The actual capital amounts, ratios and the applicable required minimums of the Company and the Bank are as follows:


At September 30, 2026 ($ in millions)	Actual				Minimum for capital adequacy purposes
	Amount		Ratio(a)		Ratio(b)
Total risk-based capital	$	17,476	16.5	%	8.0	%
Tier 1 risk-based capital	$	15,300	14.5	%	6.0	%
Tier 1 leverage	$	15,300	12.7	%	4.0	%
Common equity Tier 1 Capital	$	13,584	12.9	%	4.5	%


At December 31, 2025 ($ in millions)	Actual(c)				Minimum for capital adequacy purposes
	Amount		Ratio(a)		Ratio(b)
Total risk-based capital	$	17,691	16.7	%	8.0	%
Tier 1 risk-based capital	$	15,512	14.6	%	6.0	%
Tier 1 leverage	$	15,512	13.3	%	4.0	%
Common equity Tier 1 Capital	$	14,290	13.5	%	4.5	%


At September 30, 2026 ($ in millions)	Actual				Minimum for capital adequacy purposes		Minimum to be well-capitalized under prompt corrective action provisions
	Amount		Ratio(a)		Ratio(b)		Ratio
Total risk-based capital	$	16,499	16.4	%	8.0	%	10.0	%
Tier 1 risk-based capital	$	14,380	14.3	%	6.0	%	8.0	%
Tier 1 leverage	$	14,380	12.5	%	4.0	%	5.0	%
Common equity Tier 1 capital	$	14,380	14.3	%	4.5	%	6.5	%


At December 31, 2025 ($ in millions)	Actual(c)				Minimum for capital adequacy purposes		Minimum to be well-capitalized under prompt corrective action provisions
	Amount		Ratio(a)		Ratio(b)		Ratio
Total risk-based capital	$	16,162	16.1	%	8.0	%	10.0	%
Tier 1 risk-based capital	$	14,045	14.0	%	6.0	%	8.0	%
Tier 1 leverage	$	14,045	12.7	%	4.0	%	5.0	%
Common equity Tier 1 capital	$	14,045	14.0	%	4.5	%	6.5	%

(a)Capital ratios are calculated based on the Basel III Standardized Approach rules.

(b)At September 30, 2026 and December 31, 2025, Synchrony Financial and the Bank also must maintain a stress capital buffer or capital conservation buffer, as applicable, in excess of minimum risk-based capital ratios, which exclude the Tier 1 leverage ratio, by at least 2.5 percentage points to avoid limits on capital distributions and certain discretionary bonus payments to executive officers and similar employees.

(c)Amounts and ratios at December 31, 2025 have been recast to reflect the change in presentation of internal-use capitalized software on our Condensed Consolidated Statements of Financial Position. See Note 2. Basis of Presentation and Summary of Significant Accounting Policies for additional information.