公司业务范围与合作伙伴 - 公司提供了广泛的信用产品，通过与各类合作伙伴建立的计划，包括国家和地区零售商、本地商家、制造商、购买团体、行业协会和医疗服务提供商[9] - 公司通过五个销售平台管理信用产品，包括家居与汽车、数字化、多元化与价值、健康与健康以及生活方式[23] - 五大合作伙伴中，与Lowe's的合作关系已有43年[45] - 我们与购买团体、制造商和行业协会建立的计划受到合作协议的约束，根据合作协议，我们向其成员或经销商提供我们的信用产品[54] 销售平台表现 - 数字化销售平台在2022年的总利息和贷款费用中占比27%，达到46亿美元[27] - 健康与健康销售平台在2022年的总利息和贷款费用中占比16%，达到27亿美元[33] 合作协议细则 - 其他收入主要包括当我们的双卡或通用合作品牌卡在合作伙伴的销售渠道之外使用时赚取的互换费[46] - 合作协议通常具有约三到十年的合同期限[47] - 大多数与大型零售商和某些其他合作伙伴的合作协议包含零售商份额安排，如果计划的经济绩效超过合同规定的阈值，则向我们的合作伙伴支付费用[49] - 某些合作协议规定了计划的经济条款，包括适用于每种促销融资产品的商家折扣[50] - 合作协议通常规定各方将制定支持计划的营销计划，并设定与我们的产品使用相关的奖励计划的基本条款[51] - 合作协议规定了在合同到期之前一方可以终止协议的情况[52] 公司产品与服务优势 - 公司通过数字化能力的投资，不断增强新产品，并实现新的分销渠道[98] - 公司通过数据分析，能够对超过7000万活跃账户进行个性化产品、体验、信息和服务的对齐，支持业务决策[99] - 公司的存款产品强调可靠性、信任、安全性、便利性和有吸引力的利率，为客户提供基于资历或余额金额的奖励，包括降低费用、旅行优惠和电话支持[108] - 公司通过自主信用工具Synchrony PRISM，利用广泛的数据产生强大的专有见解，实现对申请和客户的更全面视图[110] 公司运营与风险控制 - 公司通过多种渠道开展信用账户的发起，包括实体店、邮件、互联网、手机、电话和预先批准的征求意见[112] - 公司通过内部收集活动、使用外部供应商和将债务出售给第三方买家等技术，限制对逾期账户的风险敞口[120] - 公司持续调整安全控制以适应不断变化的威胁和技术[130] - 公司通过内部和外部资源进行漏洞和渗透测试，确保产品和服务的安全性[132] - 公司遵守适用的隐私、信息安全和数据保护法规[133] 财务表现与展望 - 2022年12月31日结束的一年中，公司净收入下降了28.5%，为30亿美元，主要是由于信贷损失准备金增加，部分抵消了更高的净利息收入[154] - 2022年12月31日，贷款应收款项增长了14.5%，达到925亿美元，主要受到购买量增长和客户支付率的调节的推动[155] - 2022年12月31日结束的一年中，净利息收入增长了9.7%，达到156亿美元。贷款利息和费用增长了10.9%，主要是由于平均贷款应收款项增长，部分抵消了2022年第二季度出售的投资组合的影响。利息支出增加了47.4%，主要是由于较高的基准利率和更高的融资负债[156]

2 4Q'22 Business Highlights Financial Results • Retailer share arrangements decreased (18)% – Decrease driven by the impact of portfolios sold during 2Q'22 and higher net charge-offs, partially offset by higher net interest income 4Q'22 Highlights Accounts Disclaimers This presentation contains certain 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, which are subject to the "safe harbor" creat ...

Synchrony Financial (NYSE:SYF) Q4 2022 Earnings Conference Call January 23, 2023 8:00 AM ET Kathryn Miller - SVP, IR Brian Doubles - President & CEO Brian Wenzel - EVP & CFO Operator Kathryn Miller During the call, we will refer to non-GAAP financial measures in discussing the company's performance. You can find a reconciliation of these measures to GAAP financial measures in our materials for today's call. I will now turn the call over to Brian Doubles. and a return on tangible common equity of 28.5%. This ...

Synchrony Financial (NYSE:SYF) Q3 2022 Earnings Conference Call October 25, 2022 8:00 AM ET Company Participants Kathryn Miller - SVP, IR Brian Doubles - President, CEO & Director Brian Wenzel - EVP & CFO Conference Call Participants Ryan Nash - Goldman Sachs Group Moshe Orenbuch - Crédit Suisse Mihir Bhatia - Bank of America Merrill Lynch Sanjay Sakhrani - KBW Kevin Barker - Piper Sandler & Co. Betsy Graseck - Morgan Stanley Richard Shane - JPMorgan Chase & Co. John Hecht - Jefferies Operator Welcome to th ...

Synchrony Financial (NYSE:SYF) Q2 2022 Results Conference Call July 18, 2022 8:00 AM ET Company Participants Kathryn Miller - Senior Vice President, Investor Relations Brian Doubles - President and Chief Executive Officer Brian Wenzel - Executive Vice President and Chief Financial Officer Conference Call Participants Ryan Nash - Goldman Sachs Moshe Orenbuch - Credit Suisse Betsy Graseck - Morgan Stanley John Pancari - Evercore ISI Sanjay Sakhrani - KBW Mihir Bhatia - Bank of America Brian Foran - Autonomous ...

Synchrony Financial (NYSE:SYF) Q1 2022 Earnings Conference Call April 18, 2022 8:00 AM ET Company Participants Kathryn Miller - SVP, IR Brian Doubles - President, CEO Brian Wenzel - EVP, CFO Conference Call Participants Moshe Orenbuch - Credit Suisse Ryan Nash - Goldman Sachs Betsy Graseck - Morgan Stanley Sanjay Sakhrani - KBW John Hecht – Jefferies Don Fandetti - Wells Fargo Mihir Bhatia - Bank of America Rich Shane - JPMorgan Kevin Barker - Piper Sandler Arren Cyganovich - Citi Brian Foran - Autonomous R ...

,| synchrony 1Q'22 FINANCIAL RESULTS April 18, 2022 Disclaimers Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.synchr ...

Synchrony Financial (NYSE:SYF) Q4 2021 Earnings Conference Call January 28, 2022 8:00 AM ET Company Participants Kathryn Miller – Senior Vice President, Director of Investor Relations Brian Doubles – President and Chief Executive Officer Brian Wenzel – Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani – KBW Moshe Orenbuch – Credit Suisse Ryan Nash – Goldman Sachs Arren Cyganovich – Citi Betsy Graseck – Morgan Stanley Don Fandetti – Wells Fargo Kevin Barker – P ...

4Q'21 FINANCIAL RESULTS January 28th, 2021 Disclaimers Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.synchronyfinanc ...

3Q'21 FINANCIAL RESULTS October 19, 2021 Disclaimers Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.synchronyfinancia ...