Exhibit 99.1

SYNCHRONY FINANCIAL
SELECTED METRICS(1)
(unaudited, $ in millions)
	Quarter Ended																																	Twelve Months Ended
	Dec 31, 2016				Sep 30, 2016				Jun 30, 2016				Mar 31, 2016				Dec 31, 2015				Sep 30, 2015				Jun 30, 2015				Mar 31, 2015					Dec 31, 2016				Dec 31, 2015				YTD'16 vs. YTD'15
SELECTED METRICS
Return on assets(2)	2.6		%		2.8		%		2.4		%		2.8		%		2.6		%		2.9		%		2.9		%		3.0		%			2.7		%		2.9		%					(0.2	)%
Return on equity(3)	16.2		%		17.3		%		14.5		%		18.1		%		17.3		%		19.0		%		19.1		%		20.7		%			16.5		%		19.0		%					(2.5	)%
Return on tangible common equity(4)	18.4		%		19.6		%		16.5		%		20.7		%		19.8		%		21.7		%		22.0		%		24.0		%			18.8		%		21.8		%					(3.0	)%
Net interest margin(5)	16.26		%		16.34		%		15.94		%		15.84		%		15.71		%		15.98		%		15.79		%		15.90		%			16.10		%		15.85		%					0.25	%
Other expense as a % of average loan receivables, including held for sale	5.04		%		4.93		%		5.07		%		4.86		%		5.31		%		5.37		%		5.39		%		5.10		%			4.98		%		5.29		%					(0.31	)%
Net charge-offs as a % of average loan receivables, including held for sale	4.65		%		4.39		%		4.51		%		4.74		%		4.25		%		4.03		%		4.64		%		4.56		%			4.57		%		4.36		%					0.21	%
Average loan receivables, including held for sale	$	72,476			$	69,316			$	66,561			$	66,194			$	64,996			$	62,281			$	59,895			$	59,380				$	68,649			$	61,655			$	6,994		11.3	%
Retail Card	$	49,476			$	47,274			$	45,593			$	45,479			$	44,620			$	42,779			$	41,201			$	40,662				$	46,963			$	42,327			$	4,636		11.0	%
Payment Solutions	$	15,076			$	14,367			$	13,554			$	13,430			$	13,129			$	12,478			$	11,904			$	11,931				$	14,110			$	12,364			$	1,746		14.1	%
CareCredit	$	7,924			$	7,675			$	7,414			$	7,285			$	7,247			$	7,024			$	6,790			$	6,787				$	7,576			$	6,964			$	612		8.8	%
(1) Average balances and selected metrics are now presented based upon the use of daily averages.
(2) Return on assets represents net earnings as a percentage of average total assets.
(3) Return on equity represents net earnings as a percentage of average total equity.
(4) Return on tangible common equity represents net earnings as a percentage of average tangible common equity. Tangible common equity ("TCE") is a non-GAAP measure. For corresponding reconciliation of TCE to the most directly comparable GAAP financial measure, see "Reconciliation of non-GAAP measure."
(5) Net interest margin represents net interest income divided by average interest-earning assets.

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SYNCHRONY FINANCIAL
AVERAGE BALANCES, NET INTEREST INCOME AND NET INTEREST MARGIN(1)
(unaudited, $ in millions)
	Quarter Ended
	Dec 31, 2016											Sep 30, 2016											Jun 30, 2016											Mar 31, 2016											Dec 31, 2015											Sep 30, 2015											Jun 30, 2015											Mar 31, 2015
					Interest				Average							Interest				Average							Interest				Average							Interest				Average							Interest				Average							Interest				Average							Interest				Average							Interest				Average
	Average				Income/				Yield/			Average				Income/				Yield/			Average				Income/				Yield/			Average				Income/				Yield/			Average				Income/				Yield/			Average				Income/				Yield/			Average				Income/				Yield/			Average				Income/				Yield/
	Balance				Expense				Rate			Balance				Expense				Rate			Balance				Expense				Rate			Balance				Expense				Rate			Balance				Expense				Rate			Balance				Expense				Rate			Balance				Expense				Rate			Balance				Expense				Rate
Assets
Interest-earning assets:
Interest-earning cash and equivalents	$	12,210			$	17			0.55	%		$	12,480			$	16			0.51	%		$	11,623			$	14			0.48	%		$	12,291			$	16			0.52	%		$	12,466			$	9			0.29	%		$	11,182			$	7			0.25	%		$	11,051			$	6			0.22	%		$	11,063			$	6			0.22	%
Securities available for sale	4,076				11				1.07	%		2,960				9				1.21	%		2,858				7				0.99	%		2,977				6				0.81	%		3,564				6				0.67	%		3,589				6				0.66	%		2,904				5				0.69	%		2,892				4				0.56	%
Loan receivables:
Credit cards, including held for sale	69,660				3,851				21.99	%		66,519				3,705				22.16	%		63,876				3,432				21.61	%		63,688				3,436				21.70	%		62,394				3,432				21.82	%		59,647				3,315				22.05	%		57,365				3,106				21.72	%		57,001				3,079				21.91	%
Consumer installment loans	1,373				31				8.98	%		1,333				31				9.25	%		1,233				28				9.13	%		1,154				27				9.41	%		1,163				26				8.87	%		1,161				27				9.23	%		1,099				26				9.49	%		1,053				25				9.63	%
Commercial credit products	1,386				36				10.33	%		1,401				35				9.94	%		1,388				33				9.56	%		1,313				35				10.72	%		1,384				36				10.32	%		1,411				36				10.12	%		1,392				34				9.80	%		1,303				36				11.20	%
Other	57				1				NM			63				—				—	%		64				1				NM			39				—				—	%		55				—				—	%		62				1				NM			39				—				—	%		23				—				—	%
Total loan receivables, including held for sale	72,476				3,919				21.51	%		69,316				3,771				21.64	%		66,561				3,494				21.11	%		66,194				3,498				21.25	%		64,996				3,494				21.33	%		62,281				3,379				21.52	%		59,895				3,166				21.20	%		59,380				3,140				21.45	%
Total interest-earning assets	88,762				3,947				17.69	%		84,756				3,796				17.82	%		81,042				3,515				17.44	%		81,462				3,520				17.38	%		81,026				3,509				17.18	%		77,052				3,392				17.47	%		73,850				3,177				17.26	%		73,335				3,150				17.42	%
Non-interest-earning assets:
Cash and due from banks	739											862											895											1,367											1,429											1,345											660											759
Allowance for loan losses	(4,228		)									(3,933		)									(3,732		)									(3,590		)									(3,433		)									(3,338		)									(3,305		)									(3,289		)
Other assets	3,479											3,189											3,208											3,271											3,077											2,833											2,592											2,602
Total non-interest-earning assets	(10		)									118											371											1,048											1,073											840											(53		)									72
Total assets	$	88,752										$	84,874										$	81,413										$	82,510										$	82,099										$	77,892										$	73,797										$	73,407
Liabilities
Interest-bearing liabilities:
Interest-bearing deposit accounts	$	51,006			$	188			1.47	%		$	47,895			$	188			1.56	%		$	45,523			$	179			1.58	%		$	44,304			$	172			1.56	%		$	42,316			$	165			1.55	%		$	39,125			$	159			1.61	%		$	35,687			$	146			1.64	%		$	35,017			$	137			1.59	%
Borrowings of consolidated securitization entities	12,389				64				2.06	%		12,254				63				2.05	%		12,211				59				1.94	%		12,860				58				1.81	%		13,443				56				1.65	%		13,604				54				1.57	%		14,002				53				1.52	%		13,998				52				1.51	%
Bank term loan(2)	—				—				—	%		—				—				—	%		65				7				NM			2,170				24				4.45	%		4,495				28				2.47	%		4,819				29				2.39	%		5,311				32				2.42	%		6,052				47				3.15	%
Senior unsecured notes	7,757				67				3.44	%		7,448				64				3.42	%		6,861				58				3.40	%		6,557				57				3.50	%		5,863				52				3.52	%		5,322				47				3.50	%		4,567				39				3.43	%		4,211				35				3.37	%
Related party debt	—				—				—	%		—				—				—	%		—				—				—	%		—				—				—	%		—				—				—	%		—				—				—	%		—				—				—	%		349				4				4.65	%
Total interest-bearing liabilities	71,152				319				1.78	%		67,597				315				1.85	%		64,660				303				1.88	%		65,891				311				1.90	%		66,117				301				1.81	%		62,870				289				1.82	%		59,567				270				1.82	%		59,627				275				1.87	%
Non-interest-bearing liabilities
Non-interest-bearing deposit accounts	176											204											208											235											151											156											256											247
Other liabilities	3,321											3,175											3,002											3,455											3,290											2,863											2,614											2,725
Total non-interest-bearing liabilities	3,497											3,379											3,210											3,690											3,441											3,019											2,870											2,972
Total liabilities	74,649											70,976											67,870											69,581											69,558											65,889											62,437											62,599
Equity
Total equity	14,103											13,898											13,543											12,929											12,541											12,003											11,360											10,808
Total liabilities and equity	$	88,752										$	84,874										$	81,413										$	82,510										$	82,099										$	77,892										$	73,797										$	73,407
Net interest income					$	3,628										$	3,481										$	3,212										$	3,209										$	3,208										$	3,103										$	2,907										$	2,875
Interest rate spread(3)									15.91	%										15.97	%										15.56	%										15.48	%										15.37	%										15.65	%										15.44	%										15.55	%
Net interest margin(4)									16.26	%										16.34	%										15.94	%										15.84	%										15.71	%										15.98	%										15.79	%										15.90	%
(1) Average balances and selected metrics are now presented based upon the use of daily averages.
(2) The effective interest rates for the Bank term loan for the quarters ended June 30, 2016, March 31, 2016, December 31, 2015, September 30, 2015, June 30, 2015, and March 31, 2015 were 2.51%, 2.47%, 2.26%, 2.23%, 2.21%, and 2.21% respectively. The Bank term loan effective rate excludes the impact of charges incurred in connection with prepayments of the loan.
(3) Interest rate spread represents the difference between the yield on total interest-earning assets and the rate on total interest-bearing liabilities.
(4) Net interest margin represents net interest income divided by average interest-earning assets.

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SYNCHRONY FINANCIAL
AVERAGE BALANCES, NET INTEREST INCOME AND NET INTEREST MARGIN(1)
(unaudited, $ in millions)
	Twelve Months Ended Dec 31, 2016											Twelve Months Ended Dec 31, 2015
					Interest				Average							Interest				Average
	Average				Income/				Yield/			Average				Income/				Yield/
	Balance				Expense				Rate			Balance				Expense				Rate
Assets
Interest-earning assets:
Interest-earning cash and equivalents	$	12,152			$	63			0.52	%		$	11,409			$	28			0.25	%
Securities available for sale	3,220				33				1.02	%		3,240				21				0.65	%
Loan receivables:
Credit cards, including held for sale	65,947				14,424				21.87	%		59,118				12,932				21.87	%
Consumer installment loans	1,274				117				9.18	%		1,119				104				9.29	%
Commercial credit products	1,372				139				10.13	%		1,373				142				10.34	%
Other	56				2				3.57	%		45				1				2.22	%
Total loan receivables, including held for sale	68,649				14,682				21.39	%		61,655				13,179				21.38	%
Total interest-earning assets	84,021				14,778				17.59	%		76,304				13,228				17.34	%
Non-interest-earning assets:
Cash and due from banks	965											1,086
Allowance for loan losses	(3,872		)									(3,341		)
Other assets	3,286											2,779
Total non-interest-earning assets	379											524
Total assets	$	84,400										$	76,828
Liabilities
Interest-bearing liabilities:
Interest-bearing deposit accounts	$	47,194			$	727			1.54	%		$	38,060			$	607			1.59	%
Borrowings of consolidated securitization entities	12,428				244				1.96	%		13,760				215				1.56	%
Bank term loan(2)	556				31				5.58	%		5,164				136				2.63	%
Senior unsecured notes	7,158				246				3.44	%		4,996				173				3.46	%
Related party debt	—				—				—	%		86				4				4.65	%
Total interest-bearing liabilities	67,336				1,248				1.85	%		62,066				1,135				1.83	%
Non-interest-bearing liabilities
Non-interest-bearing deposit accounts	205											202
Other liabilities	3,239											2,877
Total non-interest-bearing liabilities	3,444											3,079
Total liabilities	70,780											65,145
Equity
Total equity	13,620											11,683
Total liabilities and equity	$	84,400										$	76,828
Net interest income					$	13,530										$	12,093
Interest rate spread(3)									15.74	%										15.51	%
Net interest margin(4)									16.10	%										15.85	%
(1) Average balances and selected metrics are now presented based upon the use of daily averages.
(2) The effective interest rates for the Bank term loan for the 12 months ended December 31, 2016 and December 31, 2015 were 2.48% and 2.23%, respectively. The Bank term loan effective rate excludes the impact of charges incurred in connection with prepayments of the loan.
(3) Interest rate spread represents the difference between the yield on total interest-earning assets and the rate on total interest-bearing liabilities.
(4) Net interest margin represents net interest income divided by average interest-earning assets.

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SYNCHRONY FINANCIAL
RECONCILIATION OF NON-GAAP MEASURE(1)
(unaudited, $ in millions)
	Quarter Ended
	Dec 31, 2016				Sep 30, 2016				Jun 30, 2016				Mar 31, 2016				Dec 31, 2015				Sep 30, 2015				Jun 30, 2015				Mar 31, 2015
COMMON EQUITY MEASURES
GAAP Total common equity	$	14,196			$	13,981			$	13,715			$	13,204			$	12,604			$	12,158			$	11,578			$	11,036
Less: Goodwill	(949		)		(949		)		(949		)		(949		)		(949		)		(949		)		(949		)		(949		)
Less: Intangible assets, net	(712		)		(733		)		(704		)		(702		)		(701		)		(646		)		(575		)		(557		)
Tangible common equity	$	12,535			$	12,299			$	12,062			$	11,553			$	10,954			$	10,563			$	10,054			$	9,530
(1) Balances represent period-end balances.

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