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  "documentTitle": "Synchrony Financial | Investor Presentation Deck | 31 slides",
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  "notes": "The chart overlays historical events (Financial Crisis, CARD Act, Credit Normalization, COVID-19) against financial performance metrics.",
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      "text": "LONG-TERM TARGETS: ~2.5+% ROA, ~28+% ROTCE",
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      "text": "* Risk-adjusted return (RAR) defined as net interest income minus retailer share agreements (RSA) and net charge offs (NCOs), divided by average loan receivables (ALR)",
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      "kind": "title",
      "text": "... and Resilient Risk-Adjusted Returns through Evolving Environments",
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