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Credit CardReceivables$5,092M (0.32%↑ Y/Y)Consumer Loan$187M (-9.66%↓ Y/Y)Commercial PortfolioSegment$100M (132.56%↑ Y/Y)Unallocated FinancingReceivables$1M (-50.00%↓ Y/Y)Interest and fees on loans(note 4)$5,380M (0.98%↑ Y/Y)Interest on cash and debtsecurities$203M (-21.32%↓ Y/Y)Total interest income$5,583M (-0.05%↓ Y/Y)Net interest income$4,608M (1.92%↑ Y/Y)Interchange revenue$300M (11.94%↑ Y/Y)Total interestexpense$975M (-8.45%↓ Y/Y)Protection product revenue$161M (11.81%↑ Y/Y)Other$112M (69.70%↑ Y/Y)Net interestincome, after retailer...$2,380M (-0.13%↓ Y/Y)Total other income$137M (16.10%↑ Y/Y)Provision for creditlosses (note 4)$1,201M (4.80%↑ Y/Y)Retailer sharearrangements$1,027M (3.53%↑ Y/Y)Loyalty programs$436M (21.11%↑ Y/Y)Interest on deposits$767M (-10.29%↓ Y/Y)Interest on borrowings ofconsolidated securitization...$111M (6.73%↑ Y/Y)Interest on senior andsubordinated unsecured notes$97M (-8.49%↓ Y/Y)Earnings beforeprovision for income taxes$1,186M (-5.57%↓ Y/Y)Total other expense$1,331M (6.91%↑ Y/Y)Net earnings$885M (-8.48%↓ Y/Y)Provision for income taxes(note 13)$301M (4.15%↑ Y/Y)Employee costs$516M (1.38%↑ Y/Y)Information processing$248M (15.35%↑ Y/Y)Professional fees$220M (-6.78%↓ Y/Y)Other$210M (32.91%↑ Y/Y)Marketing and businessdevelopment$137M (7.87%↑ Y/Y)
Income Statement

Synchrony Financial (SYF-PB)

Synchrony Financial (SYF-PB)

source: myfinsight.com