Synchrony Financial : Q1 2026 Basel III Pillar 3 Regulatory Capital Disclosure Report

About this update from Synchrony Financial

SYNCHRONY FINANCIAL Basel III Pillar 3 Regulatory Capital Disclosure Report March 31, 2026 Synchrony Financial Table of Contents Page Introduction 4 Capital Structure 6 Capital Adequacy 7 Stress Capital Buffer 9 Credit Risk: General Disclosures 9 Credit Risk Mitigation 14 Securitizations 14 Equities Not Subject to Market Risk Rule 15 Interest Rate Risk for Non-Trading Activities 15 Appendix A - Disclosure Index 16 Certain Defined Terms: Except as the context may otherwise require in this report, references to: "we," "us," "our" and the "Company" are to SYNCHRONY FINANCIAL and its subsidiaries; "Synchrony" are to SYNCHRONY FINANCIAL only; the "Bank" are to Synchrony Bank (a subsidiary of Synchrony); the "Board of Directors" are to Synchrony's board of directors; "CECL" are to the impairment model known as the Current Expected Credit Loss model, which is based on expected credit losses; and the "Federal Banking Agencies" are to the Board of Governors of the Federal Reserve System ("Federal Reserve Board"), the Office of the Comptroller of the Currency ("OCC") and the Federal Deposit Insurance Corporation ("FDIC"), collectively. Cautionary Note Regarding Forward-Looking Statements: Various statements in this report may contain "forward-looking statements" as defined in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), which are subject to the "safe harbor" created by those sections. Forward-looking statements may be identified by words such as "expects," "intends," "anticipates," "plans," "believes," "seeks," "targets," "outlook," "estimates," "will," "should," "may," "aim," "focus," "goal," "confident," "trajectory," "priorities," "designed," "consider" or words of similar meaning, but these words are not the exclusive means of identifying forward-looking statements. Forward-looking statements are based on management's current expectations and assumptions, and are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. As a result, actual results could differ materially from those indicated in these forward-looking statements. Factors that could cause actual results to differ materially include global political, economic, business, competitive, market, regulatory and other factors and risks, such as: the impact of macroe...

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