XML 102 R57.htm IDEA: XBRL DOCUMENT v3.19.1
Regulatory and Capital Adequacy (Capital Amounts and Ratios) (Details) - Basel III - USD ($)
$ in Millions
Mar. 31, 2019
Dec. 31, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Capital conservation buffer 2.50% 1.875%
Common equity Tier I capital    
Common equity, actual $ 12,661 $ 12,801
Common equity, actual (percent) [1] 14.50% 14.00%
Common equity, minimum for capital adequacy purposes $ 3,930 $ 4,128
Common Equity Tier One Capital Required for Capital Adequacy to Risk Weighted Assets [2] 4.50% 4.50%
Total risk-based capital    
Actual $ 13,813 $ 14,013
Actual (percent) [1] 15.80% 15.30%
Minimum for capital adequacy purposes $ 6,986 $ 7,339
Minimum for capital adequacy purposes (percent) [2] 8.00% 8.00%
Tier 1 risk-based capital    
Tier One Risk Based Capital $ 12,661 $ 12,801
Actual (percent) [1] 14.50% 14.00%
Minimum for capital adequacy purposes $ 5,240 $ 5,505
Minimum for capital adequacy purposes (percent) [2] 6.00% 6.00%
Tier 1 leverage    
Tier One Leverage Capital $ 12,661 $ 12,801
Actual (percent) [1] 12.30% 12.30%
Minimum for capital adequacy purposes $ 4,130 $ 4,157
Minimum for capital adequacy purposes (percent) [2] 4.00% 4.00%
Synchrony Bank    
Common equity Tier I capital    
Common equity, actual $ 11,239 $ 11,207
Common equity, actual (percent) [1] 14.80% 14.10%
Common equity, minimum for capital adequacy purposes $ 3,420 $ 3,570
Common Equity Tier One Capital Required for Capital Adequacy to Risk Weighted Assets [2] 4.50% 4.50%
Common equity, minimum to be well-capitalized under prompt corrective action provisions $ 4,940 $ 5,157
Common Equity Tier One Capital Required to be Well Capitalized Risk Weighted Assets 6.50% 6.50%
Total risk-based capital    
Actual $ 12,244 $ 12,258
Actual (percent) [1] 16.10% 15.40%
Minimum for capital adequacy purposes $ 6,080 $ 6,348
Minimum for capital adequacy purposes (percent) [2] 8.00% 8.00%
Minimum to be well-capitalized under prompt corrective action provisions $ 7,599 $ 7,934
Minimum to be well-capitalized under prompt corrective action provisions (percent) 10.00% 10.00%
Tier 1 risk-based capital    
Tier One Risk Based Capital $ 11,239 $ 11,207
Actual (percent) [1] 14.80% 14.10%
Minimum for capital adequacy purposes $ 4,560 $ 4,761
Minimum for capital adequacy purposes (percent) [2] 6.00% 6.00%
Minimum to be well-capitalized under prompt corrective action provisions $ 6,080 $ 6,348
Minimum to be well-capitalized under prompt corrective action provisions (percent) 8.00% 8.00%
Tier 1 leverage    
Tier One Leverage Capital $ 11,239 $ 11,207
Actual (percent) [1] 12.50% 12.40%
Minimum for capital adequacy purposes $ 3,601 $ 3,612
Minimum for capital adequacy purposes (percent) [2] 4.00% 4.00%
Minimum to be well-capitalized under prompt corrective action provisions $ 4,501 $ 4,515
Minimum to be well-capitalized under prompt corrective action provisions (percent) 5.00% 5.00%
[1] Capital ratios are calculated based on the Basel III Standardized Approach rules
[2] At March 31, 2019 and at December 31, 2018, 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 and 1.875 percentage points, respectively, to avoid limits on capital distributions and certain discretionary bonus payments to executive officers and similar employees.