Synchrony Financial (SYF) 8-K Regulation FD Disclosure

Exhibit 99.1

SYNCHRONY FINANCIAL
MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS
AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED
(unaudited, $ in billions)
The following table provides monthly charge-off and delinquency statistics as of and for each of the twelve months ended October 31, 2017. The increase in net charge-offs for the month ended October 31, 2017 was primarily due to credit normalization, as well as higher losses associated with hurricane-affected areas. We previously noted that the impact from the recent hurricanes could move our net charge-off rate for the year ended December 31, 2017 to the higher end of the low-5% range. We now believe that this will be the case. The Company’s expectations for the loan loss reserve build in the fourth quarter of 2017 remains unchanged, in the $275 million range, consistent with the outlook provided during the Company’s 3Q 2017 earnings conference call held on October 20, 2017.
	Oct 31, 2017			Sep 30, 2017			Aug 31, 2017			Jul 31, 2017			Jun 30, 2017			May 31, 2017			Apr 30, 2017			Mar 31, 2017			Feb 28, 2017			Jan 31, 2017			Dec 31, 2016			Nov 30, 2016			Oct 31, 2016
Period-end loan receivables	$	77.4		$	76.9		$	76.8		$	76.2		$	75.5		$	75.0		$	73.8		$	73.4		$	73.7		$	74.9		$	76.3		$	73.6		$	71.4
Average loan receivables, including held for sale	$	76.8		$	76.8		$	76.1		$	75.6		$	75.1		$	73.8		$	73.4		$	73.0		$	74.2		$	75.2		$	74.9		$	71.7		$	70.8
30+ days past due as a % of period-end loan receivables	4.9		%	4.8		%	4.5		%	4.4		%	4.3		%	4.1		%	4.1		%	4.3		%	4.5		%	4.4		%	4.3		%	4.4		%	4.4		%
Net charge-offs (annualized) as a % of average loan receivables, including held for sale	5.9		%	4.8		%	5.0		%	5.0		%	5.0		%	5.5		%	5.7		%	4.9		%	5.6		%	5.6		%	4.2		%	5.1		%	4.7		%
Recovery adjustment(1)	(0.1		)%	—		%	—		%	0.1		%	0.1		%	0.1		%	(0.1		)%	0.3		%	—		%	(0.4		)%	0.3		%	(0.2		)%	(0.1		)%
Adjusted net charge-offs as a % of average loan receivables, including held for sale(2)	5.8		%	4.8		%	5.0		%	5.1		%	5.1		%	5.6		%	5.6		%	5.2		%	5.6		%	5.2		%	4.5		%	4.9		%	4.6		%
(1) Represents adjustment to allocate recoveries, including debt sales, evenly across the three calendar months of each respective quarterly reporting period. The adjustments for periods other than for the last month of each calendar quarter incorporate estimated recoveries for the applicable full quarterly reporting period. Such estimates are subject to change within each applicable quarter and may differ from actual quarterly results.
(2) Adjusted net charge-offs represent a non-GAAP financial measure. Adjusted net charge-offs as a % of average loan receivables, including held for sale, represent the Company's net charge-off rate for each month including the 'recovery adjustment' defined above. We believe the presentation of this measure is useful to investors as it represents a monthly measure which is more indicative of both our quarterly and annual net charge-off rates.

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SYNCHRONY FINANCIAL
2016 MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS
AS OF AND FOR EACH OF THE TWELVE MONTHS ENDED
(unaudited, $ in billions)
	Dec 31, 2016			Nov 30, 2016			Oct 31, 2016			Sep 30, 2016			Aug 31, 2016			Jul 31, 2016			Jun 30, 2016			May 31, 2016			Apr 30, 2016			Mar 31, 2016			Feb 29, 2016			Jan 31, 2016
Period-end loan receivables	$	76.3		$	73.6		$	71.4		$	70.6		$	70.1		$	69.1		$	68.3		$	67.4		$	66.2		$	65.8		$	65.7		$	67.0
Average loan receivables, including held for sale	$	74.9		$	71.7		$	70.8		$	70.3		$	69.2		$	68.5		$	67.6		$	66.3		$	65.7		$	65.3		$	66.1		$	67.2
30+ days past due as a % of period-end loan receivables	4.3		%	4.4		%	4.4		%	4.3		%	4.0		%	3.9		%	3.8		%	3.7		%	3.7		%	3.9		%	4.2		%	4.2		%
Net charge-offs (annualized) as a % of average loan receivables, including held for sale	4.2		%	5.1		%	4.7		%	4.4		%	4.5		%	4.3		%	4.6		%	4.5		%	4.4		%	4.9		%	5.0		%	4.4		%
Recovery adjustment(1)	0.3		%	(0.2		)%	(0.1		)%	—		%	(0.1		)%	0.1		%	(0.3		)%	0.2		%	0.1		%	—		%	(0.1		)%	—		%
Adjusted net charge-offs as a % of average loan receivables, including held for sale(2)	4.5		%	4.9		%	4.6		%	4.4		%	4.4		%	4.4		%	4.3		%	4.7		%	4.5		%	4.9		%	4.9		%	4.4		%
(1) Represents adjustment to allocate recoveries, including debt sales, evenly across the three calendar months of each respective quarterly reporting period.
(2) Adjusted net charge-offs represent a non-GAAP financial measure. Adjusted net charge-offs as a % of average loan receivables, including held for sale, represent the Company's net charge-off rate for each month including the 'recovery adjustment' defined above. We believe the presentation of this measure is useful to investors as it represents a monthly measure which is more indicative of both our quarterly and annual net charge-off rates.

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SYNCHRONY FINANCIAL
2015 MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS
AS OF AND FOR EACH OF THE TWELVE MONTHS ENDED
(unaudited, $ in billions)
	Dec 31, 2015			Nov 30, 2015			Oct 31, 2015			Sep 30, 2015			Aug 31, 2015			Jul 31, 2015			Jun 30, 2015			May 31, 2015			Apr 30, 2015			Mar 31, 2015			Feb 28, 2015			Jan 31, 2015
Period-end loan receivables	$	68.3		$	65.8		$	64.0		$	63.5		$	63.0		$	62.1		$	61.4		$	60.9		$	58.7		$	58.2		$	58.3		$	59.9
Average loan receivables, including held for sale	$	67.1		$	64.3		$	63.6		$	63.0		$	62.3		$	61.6		$	61.2		$	59.9		$	58.7		$	58.1		$	59.4		$	60.7
30+ days past due as a % of period-end loan receivables	4.1		%	4.2		%	4.1		%	4.0		%	3.8		%	3.6		%	3.5		%	3.5		%	3.5		%	3.8		%	4.1		%	4.2		%
Net charge-offs (annualized) as a % of average loan receivables, including held for sale	4.5		%	4.9		%	3.4		%	4.7		%	3.8		%	3.6		%	4.4		%	4.5		%	5.0		%	4.6		%	4.8		%	4.4		%
Recovery adjustment(1)	(0.1		)%	(0.3		)%	0.4		%	(0.5		)%	0.1		%	0.4		%	—		%	0.1		%	(0.1		)%	0.3		%	—		%	(0.4		)%
Adjusted net charge-offs as a % of average loan receivables, including held for sale(2)	4.4		%	4.6		%	3.8		%	4.2		%	3.9		%	4.0		%	4.4		%	4.6		%	4.9		%	4.9		%	4.8		%	4.0		%
(1) Represents adjustment to allocate recoveries, including debt sales, evenly across the three calendar months of each respective quarterly reporting period.
(2) Adjusted net charge-offs represent a non-GAAP financial measure. Adjusted net charge-offs as a % of average loan receivables, including held for sale, represent the Company's net charge-off rate for each month including the 'recovery adjustment' defined above. We believe the presentation of this measure is useful to investors as it represents a monthly measure which is more indicative of both our quarterly and annual net charge-off rates.

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