v3.25.2
Regulatory and Capital Adequacy (Capital Amounts and Ratios) (Details) - Basel III
$ in Millions
Jun. 30, 2025
USD ($)
Dec. 31, 2024
USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Capital conservation buffer 0.025 0.025
Total risk-based capital    
Actual $ 17,153 $ 17,407
Actual (percent) [1] 0.169 0.165
Minimum for capital adequacy purposes $ 8,137 $ 8,433
Minimum for capital adequacy purposes (percent) [2] 0.080 0.080
Tier 1 risk-based capital    
Banking Regulation, Tier One Risk-Based Capital, Actual $ 15,025 $ 15,239
Actual (percent) [1] 0.148 0.145
Minimum for capital adequacy purposes $ 6,103 $ 6,325
Minimum for capital adequacy purposes (percent) [2] 0.060 0.060
Tier 1 leverage    
Banking Regulation, Tier One Leverage Capital, Actual $ 15,025 $ 15,239
Actual (percent) [1] 0.127 0.129
Minimum for capital adequacy purposes $ 4,741 $ 4,717
Minimum for capital adequacy purposes (percent) [2] 0.040 0.040
Common equity Tier 1 capital    
Common equity, actual $ 13,803 $ 14,017
Common equity, actual (percent) [1] 0.136 0.133
Common equity, minimum for capital adequacy purposes $ 4,577 $ 4,744
Common Equity Tier One Capital Required for Capital Adequacy to Risk Weighted Assets [2] 0.045 0.045
Synchrony Bank    
Total risk-based capital    
Actual $ 15,928 $ 15,916
Actual (percent) [1] 0.164 0.158
Minimum for capital adequacy purposes $ 7,758 $ 8,037
Minimum for capital adequacy purposes (percent) [2] 0.080 0.080
Minimum to be well-capitalized under prompt corrective action provisions $ 9,698 $ 10,046
Minimum to be well-capitalized under prompt corrective action provisions (percent) 0.100 0.100
Tier 1 risk-based capital    
Banking Regulation, Tier One Risk-Based Capital, Actual $ 13,854 $ 13,805
Actual (percent) [1] 0.143 0.137
Minimum for capital adequacy purposes $ 5,819 $ 6,027
Minimum for capital adequacy purposes (percent) [2] 0.060 0.060
Minimum to be well-capitalized under prompt corrective action provisions $ 7,758 $ 8,037
Minimum to be well-capitalized under prompt corrective action provisions (percent) 0.080 0.080
Tier 1 leverage    
Banking Regulation, Tier One Leverage Capital, Actual $ 13,854 $ 13,805
Actual (percent) [1] 0.123 0.124
Minimum for capital adequacy purposes $ 4,508 $ 4,466
Minimum for capital adequacy purposes (percent) [2] 0.040 0.040
Minimum to be well-capitalized under prompt corrective action provisions $ 5,635 $ 5,582
Minimum to be well-capitalized under prompt corrective action provisions (percent) 0.050 0.050
Common equity Tier 1 capital    
Common equity, actual $ 13,854 $ 13,805
Common equity, actual (percent) [1] 0.143 0.137
Common equity, minimum for capital adequacy purposes $ 4,364 $ 4,521
Common Equity Tier One Capital Required for Capital Adequacy to Risk Weighted Assets [2] 0.045 0.045
Common equity, minimum to be well-capitalized under prompt corrective action provisions $ 6,303 $ 6,530
Common Equity Tier One Capital Required to be Well Capitalized Risk Weighted Assets 0.065 0.065
[1] Capital ratios are calculated based on the Basel III Standardized Approach rules. Capital amounts and ratios at December 31, 2024 in the above tables reflect the applicable CECL regulatory capital transition adjustment.
[2] At June 30, 2025 and December 31, 2024, Synchrony Financial and the Bank also must maintain a capital conservation buffer of common equity Tier 1 capital in excess of minimum risk-based capital ratios by at least 2.5 percentage points to avoid limits on capital distributions and certain discretionary bonus payments to executive officers and similar employees.