Synchrony Financial Results Presentation Deck

1Q'21 Financial Highlights SYF SUMMARY $1.73 DILUTED EPS compared to $0.45 $76.9 billion LOAN RECEIVABLES compared to $82.5 billion 66.3 million AVERAGE ACTIVE ACCOUNTS compared to 72.1 million synchrony 1 FINANCIAL METRICS 13.98% NET INTEREST MARGIN compared to 15.15% 3.62% NET CHARGE-OFFS compared to 5.36% 36.1% EFFICIENCY RATIO compared to 32.7% CAPITAL 17.4% CET1 liquid assets of $22.6 billion, 23.6% of total assets $62.7 billion DEPOSITS 81% of funding $328 million CAPITAL RETURNED $200 million of share repurchases 3

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