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  "documentTitle": "Synchrony Financial | Results Presentation Deck | 19 slides",
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  "authorName": "Synchrony Financial",
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  "presentationDate": "2020-04-01 00:00:00",
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  "notes": "The slide uses a bar chart to show the decline in NII and a callout box for qualitative drivers.",
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      "kind": "callout",
      "text": "1Q'20 Highlights: Net interest income decreased 8%... Net interest margin down 93bps.",
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      "text": "Net interest margin down 93bps. Loan receivables mix as a percent of total Earning Assets decreased from 84.4% to 81.7% driven by the proceeds of the Walmart sale. Loan receivables yield 20.67%, down 47bps. Total interest-bearing liabilities cost decreased 14bps to 2.50%.",
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      "text": "Net interest income decreased 8% compared to prior year driven by the Walmart sale. Interest and fees on loans decreased 7% compared to prior year driven by the Walmart sale.",
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