Synchrony Financial Results Presentation Deck

Funding, Capital and Liquidity Funding Sources $ in billions Unsecured Securitization Deposits Deposits Securitization Unsecured 14.3% 1Q'20 $81.9 $8.0 $9.3 Capital Ratios CET1 Capital Ratio 17.4% synchrony $64.6 1Q'20 79% 11% 10% 1Q'21 $77.9 $8.0 $7.2 $62.7 1Q'21 81% 9% 10% 15.2% V$ $0 $(2.1) 1Q'20 $(1.9) V% Tier 1 Capital Ratio 18.3% +2 pts. (2) pts. 0 pt. 1Q'21 Liquidity) $ in billions Liquid assets Undrawn credit facilities Total liquidity % of Total assets Total Capital Ratio 19.7% 16.5% 1Q'20 1Q'21 $24.8 1Q'20 $19.2 5.6 $24.8 25.3% $28.0 1Q'21 $22.6 5.4 $28.0 29.2% Tier 1 Capital + Credit Loss Reserve Ratio 28.7% 1Q'20 24.1% 1Q'21 *The "Tier 1 Capital + Credit Loss Reserve Ratio" is the sum of our "Tier 1 Capital" and "Allowance for Credit Losses," divided by our "Total Risk-Weighted Assets." Tier 1 Capital and Risk- Weighted Assets are adjusted to reflect the fully phased-in impact of CECL. These adjusted metrics are non-GAAP measures, see non-GAAP reconciliation in appendix * 13

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