Operator Good morning, and welcome to the Synchrony Financial fourth quarter and full year 2024 earnings conference call.

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In addition to deposit growth ... Our capital levels were effectively flat or up modestly as we retain a good amount of excess capital. Our tangible book value per share declined to $32.95 ...

This is a direct result ... the quality of the deposit franchise, the absolute amount of insured to total on the backup facilities that Zach and our treasury team have put in place gives us ...

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Finance Minister Nirmala Sitharaman announced new tax slabs in the new tax regime 2025, so there will be no income tax for ...

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