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 thirteen months ended May 31, 2021.
The decreases in the over-30 day loan delinquencies as a percentage of period-end loan receivables (the “30+ delinquency rate”) at May 31, 2021 and in net charge-offs for the month ended May 31, 2021, when compared to the respective prior year period, reflect the impact of improvements in customer payment behavior.
			May 31, 2021						Apr 30, 2021						Mar 31, 2021						Feb 28, 2021						Jan 31, 2021						Dec 31, 2020						Nov 30, 2020						Oct 31, 2020						Sep 30, 2020						Aug 31, 2020						Jul 31, 2020						Jun 30, 2020						May 31, 2020
Period-end loan receivables			$	77.7					$	76.5					$	76.9					$	77.9					$	79.2					$	81.9					$	80.3					$	78.8					$	78.5					$	78.4					$	78.2					$	78.3					$	78.4
Average loan receivables, including held for sale			$	76.6					$	76.3					$	76.9					$	78.4					$	79.8					$	81.2					$	78.9					$	78.2					$	78.1					$	77.9					$	78.0					$	77.9					$	78.0
30+ days past due as a % of period-end loan receivables			2.2		%				2.4		%				2.8		%				3.1		%				3.2		%				3.1		%				3.0		%				2.8		%				2.7		%				2.6		%				2.9		%				3.1		%				3.6		%
Net charge-offs (annualized) as a % of average loan receivables, including held for sale(1)			3.7		%				3.8		%				3.8		%				4.1		%				3.0		%				3.1		%				3.2		%				3.2		%				4.2		%				4.3		%				4.8		%				5.3		%				4.6		%
Recovery adjustment(2)			—		%				(0.1)		%				—		%				(0.1)		%				0.1		%				—		%				(0.1)		%				0.1		%				(0.1)		%				—		%				—		%				(0.2)		%				0.5		%
Adjusted net charge-offs as a % of average loan receivables, including held for sale(3)			3.7		%				3.7		%				3.8		%				4.0		%				3.1		%				3.1		%				3.1		%				3.3		%				4.1		%				4.3		%				4.8		%				5.1		%				5.1		%
(1) Charge-offs are executed on charge-off cycle dates which occur on various days during each calendar month. The number of different charge-off cycle dates in each month varies based on such factors as the calendar and the timing of billing cycles. As a result, the amount of charged-off loan receivables can vary between monthly periods with no corresponding change in the performance of the portfolio. The following table sets forth the number of different charge-off cycle dates for our consumer credit card loan receivables, which represent approximately 95% of total period end loan receivables at May 31, 2021, for the calendar months indicated.
			2020						2021
January			28						28
February			26						28
March			30						29
April			28						27
May			28						28
June			28						29
July			28						25
August			28						30
September			29						28
October			25						28
November			30						28
December			28						28
(2) 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.
(3) 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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