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Exhibit 12.1
SYNCHRONY FINANCIAL | |||||||||||||||||||||||
Ratio of Earnings to Fixed Charges | |||||||||||||||||||||||
Year Ended December 31, | |||||||||||||||||||||||
2017 | 2016 | 2015 | 2014 | 2013 | |||||||||||||||||||
Earnings (a) | $ | 3,324 | $ | 3,570 | $ | 3,531 | $ | 3,386 | $ | 3,142 | |||||||||||||
Plus: | |||||||||||||||||||||||
Interest included in expense (b) | 1,348 | 1,184 | 1,063 | 877 | 703 | ||||||||||||||||||
Amortization of debt expense and discount or premium on indebtedness | 43 | 64 | 72 | 45 | 39 | ||||||||||||||||||
One third of rental expense (c) | 25 | 25 | 28 | 21 | 17 | ||||||||||||||||||
Adjusted "earnings" | $ | 4,740 | $ | 4,843 | $ | 4,694 | $ | 4,329 | $ | 3,901 | |||||||||||||
Fixed Charges: | |||||||||||||||||||||||
Interest included in expense (b) | $ | 1,348 | $ | 1,184 | $ | 1,063 | $ | 877 | $ | 703 | |||||||||||||
Amortization of debt expense and discount or premium on indebtedness | 43 | 64 | 72 | 45 | 39 | ||||||||||||||||||
One third of rental expense (c) | 25 | 25 | 28 | 21 | 17 | ||||||||||||||||||
Total fixed charges | $ | 1,416 | $ | 1,273 | $ | 1,163 | $ | 943 | $ | 759 | |||||||||||||
Ratio of earnings to fixed charges | 3.3 | 3.8 | 4.0 | 4.6 | 5.1 | ||||||||||||||||||
(a) | Earnings before income taxes | ||||||||||||||||||||||
(b) | Includes interest on tax deficiencies | ||||||||||||||||||||||
(c) | Considered to be representative of interest factor in rental expense | ||||||||||||||||||||||