The full dataset viewer is not available (click to read why). Only showing a preview of the rows.
Error code: DatasetGenerationError Exception: TypeError Message: Couldn't cast array of type struct<html_seq: string, otsl_seq: string> to null Traceback: Traceback (most recent call last): File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/builder.py", line 1625, in _prepare_split_single writer.write(example, key) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/arrow_writer.py", line 537, in write self.write_examples_on_file() File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/arrow_writer.py", line 495, in write_examples_on_file self.write_batch(batch_examples=batch_examples) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/arrow_writer.py", line 605, in write_batch arrays.append(pa.array(typed_sequence)) File "pyarrow/array.pxi", line 247, in pyarrow.lib.array File "pyarrow/array.pxi", line 112, in pyarrow.lib._handle_arrow_array_protocol File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/arrow_writer.py", line 243, in __arrow_array__ out = cast_array_to_feature( File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2013, in cast_array_to_feature casted_array_values = _c(array.values, feature[0]) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2005, in cast_array_to_feature arrays = [ File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2006, in <listcomp> _c(array.field(name) if name in array_fields else null_array, subfeature) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2065, in cast_array_to_feature casted_array_values = _c(array.values, feature.feature) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2102, in cast_array_to_feature return array_cast( File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1950, in array_cast raise TypeError(f"Couldn't cast array of type {_short_str(array.type)} to {_short_str(pa_type)}") TypeError: Couldn't cast array of type struct<html_seq: string, otsl_seq: string> to null During handling of the above exception, another exception occurred: Traceback (most recent call last): File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/builder.py", line 1634, in _prepare_split_single num_examples, num_bytes = writer.finalize() File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/arrow_writer.py", line 636, in finalize self.write_examples_on_file() File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/arrow_writer.py", line 495, in write_examples_on_file self.write_batch(batch_examples=batch_examples) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/arrow_writer.py", line 605, in write_batch arrays.append(pa.array(typed_sequence)) File "pyarrow/array.pxi", line 247, in pyarrow.lib.array File "pyarrow/array.pxi", line 112, in pyarrow.lib._handle_arrow_array_protocol File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/arrow_writer.py", line 243, in __arrow_array__ out = cast_array_to_feature( File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2013, in cast_array_to_feature casted_array_values = _c(array.values, feature[0]) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2005, in cast_array_to_feature arrays = [ File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2006, in <listcomp> _c(array.field(name) if name in array_fields else null_array, subfeature) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2065, in cast_array_to_feature casted_array_values = _c(array.values, feature.feature) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2102, in cast_array_to_feature return array_cast( File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1797, in wrapper return func(array, *args, **kwargs) File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 1950, in array_cast raise TypeError(f"Couldn't cast array of type {_short_str(array.type)} to {_short_str(pa_type)}") TypeError: Couldn't cast array of type struct<html_seq: string, otsl_seq: string> to null The above exception was the direct cause of the following exception: Traceback (most recent call last): File "/src/services/worker/src/worker/job_runners/config/parquet_and_info.py", line 1412, in compute_config_parquet_and_info_response parquet_operations, partial, estimated_dataset_info = stream_convert_to_parquet( File "/src/services/worker/src/worker/job_runners/config/parquet_and_info.py", line 988, in stream_convert_to_parquet builder._prepare_split( File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/builder.py", line 1486, in _prepare_split for job_id, done, content in self._prepare_split_single( File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/builder.py", line 1643, in _prepare_split_single raise DatasetGenerationError("An error occurred while generating the dataset") from e datasets.exceptions.DatasetGenerationError: An error occurred while generating the dataset
Need help to make the dataset viewer work? Make sure to review how to configure the dataset viewer, and open a discussion for direct support.
__key__
string | __url__
string | png
image | txt
string | cells.json
list | segments.json
list | metadata.json
dict |
---|---|---|---|---|---|---|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-0 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | [] | [
{
"index_in_doc": 0,
"label": "picture",
"text": "",
"bbox": [
0.15232514876988515,
0.4708433187784363,
0.3197052984839947,
0.8442405418113426
],
"data": []
},
{
"index_in_doc": 1,
"label": "picture",
"text": "",
"bbox": [
0.4157502210378066,
0.11257127783764367,
0.5861982501862827,
0.8449735872894716
],
"data": []
},
{
"index_in_doc": 2,
"label": "picture",
"text": "",
"bbox": [
0.6791480345976807,
0.11213974447238187,
0.849899575317193,
0.48466454672782966
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 0
} |
||
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-1 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | 64175 Synchroy . indd 3 3/13/20 4:25 PM CHANGING WHAT'S POSSIBLE It's been five fast-paced, growthfilled years since our IPO. Today, we are delivering on our shortterm priorities while investing for long-term success-driven by our strategy: - 1. Expand our existing partnerships while adding new programs. - 2. Diversify by accelerating growth in our Payment Solutions and CareCredit platforms. - 3. Deliver best-in-class customer experiences through technology and data analytics. - 4. Operate with a strong balance sheet and financial profile. In 2019, all four were in play. The results are inside. | [
{
"text": "It’s been five fast-paced, growth\u0002",
"bbox": [
0.6701426339979789,
0.5151519580514647,
0.8826136043415734,
0.5248888973075311
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "filled years since our IPO. Today, ",
"bbox": [
0.6693333361674699,
0.5307943409886854,
0.8757544876528814,
0.540521029768319
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "we are delivering on our short\u0002",
"bbox": [
0.669121079579317,
0.5464367629011015,
0.8716551114868366,
0.556173702157168
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "term priorities while investing ",
"bbox": [
0.6696915507909671,
0.5620893573395593,
0.8662422142218594,
0.5718160850943885
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "for long-term success—driven by ",
"bbox": [
0.6693333361674699,
0.5777215677507384,
0.8788324612290112,
0.5874585070068048
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our strategy: ",
"bbox": [
0.66946598388267,
0.5937828560898587,
0.7498374926312448,
0.6031008899440253
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "1. Expand our existing partnerships ",
"bbox": [
0.6700630251250259,
0.6147586047877753,
0.8862009127539386,
0.6244955440438418
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "while adding new programs.",
"bbox": [
0.6809287000058303,
0.6304010267001916,
0.8614262063704913,
0.6401379659562579
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "2. Diversify by accelerating growth ",
"bbox": [
0.6698772879579965,
0.6517956418248124,
0.8845955768034826,
0.6615325810808789
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in our Payment Solutions and ",
"bbox": [
0.6840464527136453,
0.6674380637372286,
0.8684046604542393,
0.6771647525168623
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CareCredit platforms.",
"bbox": [
0.6836484083488806,
0.683070235173212,
0.8216915605080068,
0.692704981466515
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3. Deliver best-in-class customer ",
"bbox": [
0.6700099356731966,
0.7044751007742657,
0.879721367932473,
0.7119335890729765
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "experiences through technology ",
"bbox": [
0.6837412769323953,
0.7201277147003213,
0.8860895716728856,
0.7298544034799549
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and data analytics.",
"bbox": [
0.6837412769323953,
0.7357599056239025,
0.8055588957879871,
0.745486594403536
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4. Operate with a strong balance ",
"bbox": [
0.6698772879579965,
0.757154540236121,
0.8782222108856758,
0.766891440516992
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "sheet and financial profile.",
"bbox": [
0.6844046167275601,
0.7727969426609395,
0.8536119856446932,
0.7824214579654075
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "In 2019, all four were in play. ",
"bbox": [
0.6701426339979789,
0.7942017887743954,
0.8539302186981758,
0.8039182660527917
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "The results are inside. ",
"bbox": [
0.6692139481628316,
0.8098339796979765,
0.8116086640365879,
0.8172924679966874
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CHANGING ",
"bbox": [
0.15875441517995958,
0.1084646953324553,
0.3406324497305141,
0.12478010194663952
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "WHAT’S ",
"bbox": [
0.21407476270179052,
0.13277469406030493,
0.3406324497305141,
0.14904543510037516
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "POSSIBLE ",
"bbox": [
0.18957104532675165,
0.1570467309476772,
0.3406324497305141,
0.17331747198774744
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "64175 Synchroy",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.08837479422143837,
1.0284827586791525
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.08934991434834293,
1.0260383147998484,
0.09038474112996217,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.09191707908415281,
1.0213486584971538,
0.10948921317484842,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3 ",
"bbox": [
0.11869319833530913,
1.0214636012207654,
0.12354892205638475,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/13/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4:25 PM",
"bbox": [
0.9571642519822762,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 3,
"label": "text",
"text": "64175 Synchroy . indd",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.10948921317484842,
1.0284827586791525
],
"data": []
},
{
"index_in_doc": 4,
"label": "text",
"text": "3",
"bbox": [
0.11869319833530913,
1.0214636012207654,
0.12354892205638475,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 5,
"label": "text",
"text": "3/13/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 6,
"label": "text",
"text": "4:25 PM",
"bbox": [
0.9571642519822762,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 7,
"label": "section_header",
"text": "CHANGING WHAT'S POSSIBLE",
"bbox": [
0.15669595898680427,
0.10657595735552362,
0.3406324497305141,
0.1737628025722382
],
"data": []
},
{
"index_in_doc": 8,
"label": "picture",
"text": "",
"bbox": [
0.13781844561372825,
0.4645735739443646,
0.33404821898806747,
0.8367568365611031
],
"data": []
},
{
"index_in_doc": 9,
"label": "picture",
"text": "",
"bbox": [
0.4012382848938899,
0.10617591594827586,
0.5984710642749793,
0.8376351815682871
],
"data": []
},
{
"index_in_doc": 10,
"label": "picture",
"text": "",
"bbox": [
0.665812731184572,
0.10641810781349777,
0.8628651380143553,
0.47919266312210645
],
"data": []
},
{
"index_in_doc": 11,
"label": "text",
"text": "It's been five fast-paced, growthfilled years since our IPO. Today, we are delivering on our shortterm priorities while investing for long-term success-driven by our strategy:",
"bbox": [
0.668267447754716,
0.5142041592457894,
0.8828725229646041,
0.6039706604081857
],
"data": []
},
{
"index_in_doc": 12,
"label": "text",
"text": "- 1. Expand our existing partnerships while adding new programs.",
"bbox": [
0.6680987660169206,
0.6135414094303759,
0.8869393065596497,
0.6402886440623005
],
"data": []
},
{
"index_in_doc": 13,
"label": "text",
"text": "- 2. Diversify by accelerating growth in our Payment Solutions and CareCredit platforms.",
"bbox": [
0.6681397091689988,
0.6508259779344269,
0.8857645569353753,
0.6929508370001197
],
"data": []
},
{
"index_in_doc": 14,
"label": "text",
"text": "- 3. Deliver best-in-class customer experiences through technology and data analytics.",
"bbox": [
0.6680385406139874,
0.7028012720256626,
0.8877551330262748,
0.7461494845296536
],
"data": []
},
{
"index_in_doc": 15,
"label": "text",
"text": "- 4. Operate with a strong balance sheet and financial profile.",
"bbox": [
0.6679985084343906,
0.7555221616079981,
0.8795524331467661,
0.7831876908225575
],
"data": []
},
{
"index_in_doc": 16,
"label": "text",
"text": "In 2019, all four were in play. The results are inside.",
"bbox": [
0.6681321177316543,
0.7932530350764287,
0.8555423363326596,
0.8179527857598978
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 1
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-2 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | STRATEGIC PRIORITIES FOCUS ON LONG-TERM VALUE CREATION WHILE DIVERSIFYING FOR THE FUTURE: Grow core partnerships and continue to add new programs at attractive returns. - · Drive growth for our partners and continue to strengthen our relationships by delivering new products and capabilities. - · Launch new programs with a focus on fast-growing partners where we can leverage our advanced technology. Diversify the business through targeted strategies in Payment Solutions, CareCredit and Synchrony-branded products. - ?jgo HYqe]fl Kgdmlagfk l'jgm_' hgafl%g^%kYd] [YhYZadala]kYf\ affgnYlan] hjg\m[l g÷]jaf_k& - · Grow CareCredit through broader acceptance and further expansion of the network (e.g., health systems). - · Invest in Synchrony-branded products-Auto and Home Networks, Synchrony Mastercard and additional banking products. - D]n]jY_] Y[imakalagfk lg \]n]dgh Yf\ _jgo f]o j]n]fm] kgmj[]k ]&_&$ ]%_aøaf_$ h]lk!& Deliver best-in-class customer experience through technology and data analytics. - · Continue expansion of advanced analytics leveraging customer-level data and insights. - · Further develop capabilities to deliver a frictionless customer experience. - · Leverage alternative data and machine learning to further drive innovation (e.g., underwriting and authentication). Gh]jYl] oal' Y kljgf_ ZYdYf[] k']]l Yf\ ÕfYf[aYd hjgÕd]& - · Disciplined capital allocation approach to drive growth, launch new programs and invest in new products and capabilities and continue to return capital to shareholders. 1 FINANCIALS AT A GLANCE NET EARNINGS $3.7 BILLION NET INTEREST INCOME $16.8 BILLION 1 Subject to board and regulatory approvals. Use For Revised Pages from 3-19-20 . indd 4 3/20/20 8:37 AM AVERAGE LOAN RECEIVABLES (INCLUDING HELD FOR SALE) $89 BILLION PURCHASE VOLUME $149 BILLION $4.2 BILLION | [
{
"text": "1",
"bbox": [
0.12068114272792936,
0.9547617682095232,
0.12281300812020626,
0.9583997470665708
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Subject to board and regulatory approvals.",
"bbox": [
0.12334643311761505,
0.9549399725474312,
0.34848402032804726,
0.9634597676010425
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "NET INTEREST ",
"bbox": [
0.2938474082630467,
0.8528467424375649,
0.3881802535175684,
0.8612145610239313
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "INCOME ",
"bbox": [
0.3124892201589708,
0.8668697352305835,
0.3694235325650394,
0.8752605394385327
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "$16.8 BILLION",
"bbox": [
0.2925936823855981,
0.8977892742912127,
0.3874952022115983,
0.9072030702008751
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "NET EARNINGS ",
"bbox": [
0.13737129730174,
0.8528697378029464,
0.24043547217525654,
0.8612605420108956
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "$3.7 BILLION",
"bbox": [
0.14398322413809858,
0.8978007622301045,
0.23188920914632566,
0.9072145581397669
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "AVERAGE LOAN ",
"bbox": [
0.43829517775704807,
0.8528237568159822,
0.5418071082575404,
0.8612145610239313
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "RECEIVABLES ",
"bbox": [
0.44642950409087373,
0.8668697352305835,
0.5360325043078876,
0.8752605394385327
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "(INCLUDING HELD FOR SALE) ",
"bbox": [
0.42468160499585406,
0.8807841626163644,
0.5581303686644901,
0.8880638619492337
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "$89 BILLION ",
"bbox": [
0.44785740284579706,
0.8978288633461047,
0.5326872109180659,
0.9072426592557671
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "PURCHASE ",
"bbox": [
0.6058424511556799,
0.8528288625666008,
0.6791813029578669,
0.86121966677455
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "VOLUME ",
"bbox": [
0.6138126000045346,
0.8668978266027848,
0.6704618286335251,
0.8752656451891513
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "$149 BILLION",
"bbox": [
0.5963201064177809,
0.8978288633461047,
0.6869618683114376,
0.9072426592557671
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "TOTAL CAPITAL ",
"bbox": [
0.7404991643345771,
0.8528288625666008,
0.8443574162067268,
0.86121966677455
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "RETURN",
"bbox": [
0.7655589038855203,
0.8670127741982958,
0.8177857659942475,
0.8752656451891513
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "$4.2 BILLION",
"bbox": [
0.7465290430173352,
0.8977828823591405,
0.836423048332556,
0.9071966782688029
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "FINANCIALS AT A GLANCE",
"bbox": [
0.12150729354934313,
0.7680050982673811,
0.367517221428664,
0.7791928502030452
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "STRATEGIC ",
"bbox": [
0.12022702294597974,
0.07086844218949553,
0.39988382064287936,
0.0988378220286558
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "PRIORITIES",
"bbox": [
0.12181907388108287,
0.10925924366918104,
0.3894111291686101,
0.13715199827386654
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Grow core partnerships and continue to add new programs at attractive returns.",
"bbox": [
0.1208572134647401,
0.23278411046755268,
0.7672668760688743,
0.24496806840178
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Drive growth for our partners and continue to strengthen our relationships by delivering ",
"bbox": [
0.12131367393987096,
0.25376765420458175,
0.7268022882009225,
0.26502595124421297
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "new products and capabilities.",
"bbox": [
0.13320215582649902,
0.27036570893698114,
0.34209716695655834,
0.28149406267460886
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Launch new programs with a focus on fast-growing partners where we can leverage our ",
"bbox": [
0.12132900864330691,
0.29272866279533843,
0.7310232791932266,
0.30397518932590994
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "advanced technology. ",
"bbox": [
0.132880013182784,
0.309316116274545,
0.28490671945448537,
0.32057441331417624
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Diversify the business through targeted strategies in Payment Solutions, ",
"bbox": [
0.12128839445351368,
0.3469476029942928,
0.7086521737018034,
0.3591187380891802
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CareCredit and Synchrony-branded products. ",
"bbox": [
0.1208572134647401,
0.363537667811602,
0.49354064840187084,
0.37570880290648945
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "\u0003\u0003\u0003?jgo\u0003HYqe]fl\u0003Kgdmlagfk\u0003l`jgm_`\u0003hgafl%g^%kYd]\u0003[YhYZadala]kYf\\\u0003affgnYlan]\u0003hjg\\m[l\u0003g÷]jaf_k&",
"bbox": [
0.12105289541469087,
0.3845328651321041,
0.7465016126237303,
0.3954367607184906
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Grow CareCredit through broader acceptance and further expansion of the network ",
"bbox": [
0.12132900864330691,
0.4068604684880867,
0.7068630237484452,
0.4181305750119732
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "(e.g., health systems). ",
"bbox": [
0.13363165404666122,
0.4229268625778257,
0.2825980368340589,
0.434728590769177
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Invest in Synchrony-branded products—Auto and Home Networks, Synchrony Mastercard ",
"bbox": [
0.12134434334674285,
0.44582151605403897,
0.7452940679901275,
0.4570680036094149
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and additional banking products.",
"bbox": [
0.13289534788621996,
0.4624195318112428,
0.35461461207957606,
0.47367782885087406
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "\u0003\u0003\u0003D]n]jY_]\u0003Y[imakalagfk\u0003lg\u0003\\]n]dgh\u0003Yf\\\u0003_jgo\u0003f]o\u0003j]n]fm]\u0003kgmj[]k\u0003 ]&_&$\u0003]%_aøaf_$\u0003h]lk!&",
"bbox": [
0.12109891217739428,
0.4847837328758581,
0.7282164211494611,
0.49568762846224457
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Deliver best-in-class customer experience through technology and data analytics.",
"bbox": [
0.12128839445351368,
0.5236781328573994,
0.7763563570493884,
0.5358492679522868
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Continue expansion of advanced analytics leveraging customer-level data and insights.",
"bbox": [
0.12131367393987096,
0.5446370052956377,
0.7378513215983883,
0.5559071118195242
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Further develop capabilities to deliver a frictionless customer experience.",
"bbox": [
0.12132900864330691,
0.5670000371043862,
0.6417199889225746,
0.5781283908420138
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Leverage alternative data and machine learning to further drive innovation (e.g., underwriting ",
"bbox": [
0.12134435599913843,
0.5888077893019636,
0.7794479446031561,
0.6006095174933149
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and authentication).",
"bbox": [
0.13289534788621996,
0.605405844034363,
0.2735045576965433,
0.6166287126212284
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Gh]jYl]\u0003oal`\u0003Y\u0003kljgf_\u0003ZYdYf[]\u0003k`]]l\u0003Yf\\\u0003ÕfYf[aYd\u0003hjgÕd]&",
"bbox": [
0.1206913785159489,
0.6448659300042904,
0.5842036663200922,
0.6566539389268039
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Disciplined capital allocation approach to drive growth, launch new programs and invest",
"bbox": [
0.12131367393987096,
0.6658237501122486,
0.7476479702723362,
0.6770820471518798
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in new products and capabilities and continue to return capital to shareholders.",
"bbox": [
0.1332788546484699,
0.6824217658694525,
0.6692176426623393,
0.6935501196070801
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "1",
"bbox": [
0.6703917849716262,
0.6821914419512791,
0.6732088661510157,
0.6869987205222801
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "FOCUS ON LONG-TERM VALUE CREATION WHILE DIVERSIFYING ",
"bbox": [
0.12150729354934313,
0.17451853161418424,
0.7144348245750415,
0.18570620559945722
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "FOR THE FUTURE:",
"bbox": [
0.12150729354934313,
0.19243425975814177,
0.27852419320228283,
0.20359129923970307
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Use For Revised Pages from 3-19-20",
"bbox": [
0.017369817540815617,
1.0212720308267293,
0.18099153180225175,
1.028528737230167
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.1822353255491747,
1.0260383147998484,
0.18327015233079394,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.1848024839587868,
1.0213486584971538,
0.20237462437568018,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4 ",
"bbox": [
0.2114892203614091,
1.0214636012207654,
0.21644442986888474,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/20/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "8:37 AM",
"bbox": [
0.9572934076362977,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 17,
"label": "section_header",
"text": "STRATEGIC PRIORITIES",
"bbox": [
0.11814311013292911,
0.0695556017021871,
0.39988382064287936,
0.1382841497545498
],
"data": []
},
{
"index_in_doc": 18,
"label": "section_header",
"text": "FOCUS ON LONG-TERM VALUE CREATION WHILE DIVERSIFYING FOR THE FUTURE:",
"bbox": [
0.11894052736399384,
0.17329689308449073,
0.7144348245750415,
0.20421006944444445
],
"data": []
},
{
"index_in_doc": 19,
"label": "section_header",
"text": "Grow core partnerships and continue to add new programs at attractive returns.",
"bbox": [
0.11902722157846833,
0.23153261693805874,
0.7679889229795035,
0.24496806840178
],
"data": []
},
{
"index_in_doc": 20,
"label": "text",
"text": "- · Drive growth for our partners and continue to strengthen our relationships by delivering new products and capabilities.",
"bbox": [
0.11789074545080587,
0.2527963923311782,
0.7268326033407183,
0.28173477348239945
],
"data": []
},
{
"index_in_doc": 21,
"label": "text",
"text": "- · Launch new programs with a focus on fast-growing partners where we can leverage our advanced technology.",
"bbox": [
0.11835834003404203,
0.29225191820322477,
0.7310232791932266,
0.32057441331417624
],
"data": []
},
{
"index_in_doc": 22,
"label": "section_header",
"text": "Diversify the business through targeted strategies in Payment Solutions, CareCredit and Synchrony-branded products.",
"bbox": [
0.1192639225948707,
0.34576603096563696,
0.7086521737018034,
0.3759337287600774
],
"data": []
},
{
"index_in_doc": 23,
"label": "text",
"text": "- ?jgo HYqe]fl Kgdmlagfk l'jgm_' hgafl%g^%kYd] [YhYZadala]kYf\\ affgnYlan] hjg\\m[l g÷]jaf_k&",
"bbox": [
0.11803671613854555,
0.3845328651321041,
0.747505909174829,
0.3962950334999601
],
"data": []
},
{
"index_in_doc": 24,
"label": "text",
"text": "- · Grow CareCredit through broader acceptance and further expansion of the network (e.g., health systems).",
"bbox": [
0.11833533797888811,
0.405933794238406,
0.7068630237484452,
0.4353378900013969
],
"data": []
},
{
"index_in_doc": 25,
"label": "text",
"text": "- · Invest in Synchrony-branded products-Auto and Home Networks, Synchrony Mastercard and additional banking products.",
"bbox": [
0.11867881256154125,
0.4451110761893359,
0.7457093196128731,
0.47367782885087406
],
"data": []
},
{
"index_in_doc": 26,
"label": "text",
"text": "- D]n]jY_] Y[imakalagfk lg \\]n]dgh Yf\\ _jgo f]o j]n]fm] kgmj[]k ]&_&$ ]%_aøaf_$ h]lk!&",
"bbox": [
0.11810707611033375,
0.4847526696449952,
0.7288547092013888,
0.49639253384917786
],
"data": []
},
{
"index_in_doc": 27,
"label": "section_header",
"text": "Deliver best-in-class customer experience through technology and data analytics.",
"bbox": [
0.12001723357496372,
0.5226005466505029,
0.7768650845706364,
0.5365045189400742
],
"data": []
},
{
"index_in_doc": 28,
"label": "text",
"text": "- · Continue expansion of advanced analytics leveraging customer-level data and insights.",
"bbox": [
0.11915027877782312,
0.5437510601253193,
0.7378513215983883,
0.5559071118195242
],
"data": []
},
{
"index_in_doc": 29,
"label": "text",
"text": "- · Further develop capabilities to deliver a frictionless customer experience.",
"bbox": [
0.11848184006724191,
0.5660533296041866,
0.6418399842422005,
0.5781283908420138
],
"data": []
},
{
"index_in_doc": 30,
"label": "text",
"text": "- · Leverage alternative data and machine learning to further drive innovation (e.g., underwriting and authentication).",
"bbox": [
0.11852928655064521,
0.5879952734000838,
0.7794959730967558,
0.616677158789312
],
"data": []
},
{
"index_in_doc": 31,
"label": "section_header",
"text": "Gh]jYl] oal' Y kljgf_ ZYdYf[] k']]l Yf\\ ÕfYf[aYd hjgÕd]&",
"bbox": [
0.11882575748374015,
0.6443269810000599,
0.5853333228065403,
0.6572390345625798
],
"data": []
},
{
"index_in_doc": 32,
"label": "text",
"text": "- · Disciplined capital allocation approach to drive growth, launch new programs and invest in new products and capabilities and continue to return capital to shareholders. 1",
"bbox": [
0.11785011860861708,
0.6648883843939576,
0.7476479702723362,
0.6937193499062101
],
"data": []
},
{
"index_in_doc": 33,
"label": "section_header",
"text": "FINANCIALS AT A GLANCE",
"bbox": [
0.11947390175182032,
0.7662588925806194,
0.36828021149137125,
0.7792265637472062
],
"data": []
},
{
"index_in_doc": 34,
"label": "picture",
"text": "",
"bbox": [
0.16281340489933147,
0.8107129093330939,
0.21438181103758552,
0.8330188035051485
],
"data": []
},
{
"index_in_doc": 35,
"label": "text",
"text": "NET EARNINGS",
"bbox": [
0.13567363682077893,
0.8520061936262772,
0.24060169934831052,
0.8618564727510377
],
"data": []
},
{
"index_in_doc": 36,
"label": "text",
"text": "$3.7 BILLION",
"bbox": [
0.14210425482855904,
0.8973878979835169,
0.23349052163498912,
0.9073855033475016
],
"data": []
},
{
"index_in_doc": 37,
"label": "picture",
"text": "",
"bbox": [
0.31811624656664594,
0.8053800112747446,
0.3633928188241734,
0.8416861074942129
],
"data": []
},
{
"index_in_doc": 38,
"label": "picture",
"text": "",
"bbox": [
0.46666569496268656,
0.8011356904284402,
0.5142744832964086,
0.8405335330110553
],
"data": []
},
{
"index_in_doc": 39,
"label": "text",
"text": "NET INTEREST INCOME",
"bbox": [
0.29228944288162056,
0.8517037461087165,
0.3881802535175684,
0.8755049626337005
],
"data": []
},
{
"index_in_doc": 40,
"label": "text",
"text": "$16.8 BILLION",
"bbox": [
0.29107164980760264,
0.8971851490162037,
0.38918763725318717,
0.9072430879829183
],
"data": []
},
{
"index_in_doc": 41,
"label": "page_footer",
"text": "1 Subject to board and regulatory approvals.",
"bbox": [
0.11928905025248109,
0.9540344472132424,
0.34848402032804726,
0.9641705704222542
],
"data": []
},
{
"index_in_doc": 42,
"label": "text",
"text": "Use For Revised Pages from 3-19-20 . indd",
"bbox": [
0.017369817540815617,
1.0212720308267293,
0.20237462437568018,
1.028528737230167
],
"data": []
},
{
"index_in_doc": 43,
"label": "text",
"text": "4",
"bbox": [
0.2114892203614091,
1.0214636012207654,
0.21644442986888474,
1.0268505749270072
],
"data": []
},
{
"index_in_doc": 44,
"label": "text",
"text": "3/20/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 45,
"label": "text",
"text": "8:37 AM",
"bbox": [
0.9572934076362977,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 46,
"label": "text",
"text": "AVERAGE LOAN RECEIVABLES (INCLUDING HELD FOR SALE)",
"bbox": [
0.42238355038770986,
0.8519063391752475,
0.5582170122693823,
0.888130119781689
],
"data": []
},
{
"index_in_doc": 47,
"label": "text",
"text": "$89 BILLION",
"bbox": [
0.44601197503692475,
0.8966784714738985,
0.534141831532442,
0.9072426592557671
],
"data": []
},
{
"index_in_doc": 48,
"label": "picture",
"text": "",
"bbox": [
0.6191393091508602,
0.8048967968001677,
0.6645739098291097,
0.8409546989742975
],
"data": []
},
{
"index_in_doc": 49,
"label": "text",
"text": "PURCHASE VOLUME",
"bbox": [
0.6043259350221548,
0.8512988717772191,
0.679858155511505,
0.8755189937041028
],
"data": []
},
{
"index_in_doc": 50,
"label": "text",
"text": "$149 BILLION",
"bbox": [
0.5944465902907339,
0.8969590928819444,
0.688452168681333,
0.9072821411288713
],
"data": []
},
{
"index_in_doc": 51,
"label": "picture",
"text": "",
"bbox": [
0.7387037894025964,
0.8024332526390885,
0.8443574162067268,
0.8754316892660441
],
"data": []
},
{
"index_in_doc": 52,
"label": "text",
"text": "$4.2 BILLION",
"bbox": [
0.7446842225234505,
0.8969253403625878,
0.8381863873989428,
0.9071966782688029
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 2
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-3 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | PUTTING THE FUTURE WITHIN REACH 64175 Synchroy . indd 1 3/13/20 4:25 PM Dear Stakeholders, This annual report marks an important milestone. On July 31, 2019, we celebrated five years since our IPO. I am pleased to report that Synchrony continued our history of strong performance while executing our strategy to grow and diversify our business. In 2019, we renewed more than 50 existing relationships and signed 30 new business partnerships across our platforms. We diversified our partner base, adding new digital programs, including Venmo, a social payment service, and in early 2020, announcing a new partnership with Verizon. In Payment Solutions, we drove growth through our approximately 160,000 small and medium-sized merchant locations and increased our consumer reach by broadening our Synchrony Home and Synchrony Car Care programs. In CareCredit, we expanded our health Yf\ o]ddf]kk g÷]jaf_k Z]qgf\ af\ana\mYd \g[lgjÌk offices to health systems and networks. We Ydkg ]pl]f\]\ gmj j]Y[' Z]qgf\ l'] n]lÌk g÷a[]$ expanding from "vet to pet" through our acquisition g^ H]lk :]kl$ o'a[' g÷]jk h]l afkmjYf[] Yf\ wellness plans for dogs and cats. It gives pet owners new ways to pay for pet care. 1 | [
{
"text": "1",
"bbox": [
0.9526831783465485,
0.9640766255852515,
0.9567462168325042,
0.9703167273471487
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Dear Stakeholders, ",
"bbox": [
0.5631462843659307,
0.35320015976712166,
0.6923057847157442,
0.3632889281135257
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "This annual report marks an important milestone. ",
"bbox": [
0.5622719026125881,
0.3755750010601253,
0.8875836677614531,
0.38669154531349775
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "On July 31, 2019, we celebrated five years since ",
"bbox": [
0.5626247526203617,
0.39214939784881864,
0.8820858476173818,
0.40340769488844985
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our IPO. I am pleased to report that Synchrony ",
"bbox": [
0.5625173590867278,
0.40874858286188936,
0.8876205115373652,
0.4200068799015206
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "continued our history of strong performance ",
"bbox": [
0.5625173590867278,
0.42534659861909324,
0.8734693637930141,
0.43661670514297973
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "while executing our strategy to grow and diversify ",
"bbox": [
0.5621492249851006,
0.4419446143762971,
0.8911208726873445,
0.4532147209001836
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our business. ",
"bbox": [
0.5625173590867278,
0.45854263013350094,
0.6516886089571673,
0.46717832523896474
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "In 2019, we renewed more than 50 existing ",
"bbox": [
0.5632383431961288,
0.4808938524579941,
0.8647745363352508,
0.4921639589818806
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "relationships and signed 30 new business ",
"bbox": [
0.562992886721989,
0.4974930374710648,
0.8604992412611422,
0.5087631439949513
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "partnerships across our platforms. We diversified ",
"bbox": [
0.562992886721989,
0.5140910922034643,
0.8925921944638785,
0.5252312554253472
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our partner base, adding new digital programs, ",
"bbox": [
0.5625173590867278,
0.5306890689854725,
0.8976757245672679,
0.541959175509359
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "including Venmo, a social payment service, and ",
"bbox": [
0.563084945552187,
0.5472871237178719,
0.888772284411277,
0.5585572302417584
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in early 2020, announcing a new partnership ",
"bbox": [
0.563083427264718,
0.5639099666746488,
0.8808508725901741,
0.5751564542300247
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "with Verizon. In Payment Solutions, we drove ",
"bbox": [
0.5621492249851006,
0.5804843244881466,
0.8793811703202736,
0.5917426215277778
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "growth through our approximately 160,000 small ",
"bbox": [
0.5625480284935997,
0.5971059981890565,
0.8974579009250622,
0.6083524857444325
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and medium-sized merchant locations and ",
"bbox": [
0.5625787485100538,
0.6136804339529454,
0.8735951792146041,
0.6223161290584092
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "increased our consumer reach by broadening ",
"bbox": [
0.563084945552187,
0.6302784107349537,
0.8814169913777467,
0.6415485172588402
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our Synchrony Home and Synchrony Car Care ",
"bbox": [
0.5625173590867278,
0.6468646559830978,
0.8834430953954188,
0.6581347625069843
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "programs. In CareCredit, we expanded our health ",
"bbox": [
0.562992886721989,
0.6634627107154973,
0.894893209732587,
0.674744626723639
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Yf\\\u0003o]ddf]kk\u0003g÷]jaf_k\u0003Z]qgf\\\u0003af\\ana\\mYd\u0003\\g[lgjÌk",
"bbox": [
0.5625940832134898,
0.680037068528995,
0.8910625704485385,
0.6910000310242557
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "offices to health systems and networks. We ",
"bbox": [
0.5625173590867278,
0.6966705517141603,
0.8719950054415423,
0.7079288487537915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Ydkg\u0003]pl]f\\]\\\u0003gmj\u0003j]Y[`\u0003Z]qgf\\\u0003l`]\u0003n]lÌk\u0003g÷a[]$",
"bbox": [
0.5625940832134898,
0.7132342887868675,
0.8886864505597015,
0.7240791174643798
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "expanding from “vet to pet” through our acquisition ",
"bbox": [
0.5625173590867278,
0.7298677914596304,
0.9065008210898632,
0.7411378979835169
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "g^\u0003H]lk\u0003:]kl$\u0003o`a[`\u0003g÷]jk\u0003h]l\u0003afkmjYf[]\u0003Yf\\",
"bbox": [
0.5625940832134898,
0.7464894261853449,
0.8687719848025498,
0.7572751879539831
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "wellness plans for dogs and cats. It gives pet ",
"bbox": [
0.5621492249851006,
0.7630638229740382,
0.8826240299155266,
0.7743339294979247
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "owners new ways to pay for pet care.",
"bbox": [
0.5625173590867278,
0.7796866659308149,
0.8215053172451544,
0.7909213440019357
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "PUTTING THE ",
"bbox": [
0.23462022873101937,
0.07618894613565613,
0.9419202409178068,
0.13873945798910442
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "FUTURE WITHIN ",
"bbox": [
0.0897313461177187,
0.15397057466275543,
0.9419870455664386,
0.21540865648447477
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "REACH ",
"bbox": [
0.5638424191704239,
0.229527421076788,
0.9419091068097015,
0.29207793293023626
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Margaret Keane ",
"bbox": [
0.3757330038851964,
0.5103792894541228,
0.4601485978311567,
0.5188007768847781
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ";`a]^\u0003=p][mlan]\u0003G÷a[]j",
"bbox": [
0.37545439813465226,
0.5217867445671696,
0.49488043587401537,
0.5283307968276062
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "64175 Synchroy",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.08837479422143837,
1.0284827586791525
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.08934992067454071,
1.0260383147998484,
0.09038474745615996,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.0919170854103506,
1.0213486584971538,
0.10948922582724399,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "1 ",
"bbox": [
0.11935986571050995,
1.0214636012207654,
0.12192702412012205,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/13/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 53,
"label": "section_header",
"text": "PUTTING THE FUTURE WITHIN REACH",
"bbox": [
0.08674067407105099,
0.07438798029912995,
0.9419870455664386,
0.29289298221982757
],
"data": []
},
{
"index_in_doc": 54,
"label": "picture",
"text": "",
"bbox": [
0.0007314532748106898,
0.2932570105463761,
0.49488043587401537,
1
],
"data": []
},
{
"index_in_doc": 55,
"label": "text",
"text": "64175 Synchroy . indd",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.10948922582724399,
1.0284827586791525
],
"data": []
},
{
"index_in_doc": 56,
"label": "text",
"text": "1",
"bbox": [
0.11935986571050995,
1.0214636012207654,
0.12192702412012205,
1.0268505749270072
],
"data": []
},
{
"index_in_doc": 57,
"label": "text",
"text": "3/13/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 58,
"label": "text",
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 59,
"label": "text",
"text": "Dear Stakeholders,",
"bbox": [
0.5611501412209784,
0.3520004642725295,
0.6927959385202892,
0.3632889281135257
],
"data": []
},
{
"index_in_doc": 60,
"label": "text",
"text": "This annual report marks an important milestone. On July 31, 2019, we celebrated five years since our IPO. I am pleased to report that Synchrony continued our history of strong performance while executing our strategy to grow and diversify our business.",
"bbox": [
0.5606143375732017,
0.373852609217852,
0.8911208726873445,
0.4685440550666507
],
"data": []
},
{
"index_in_doc": 61,
"label": "text",
"text": "In 2019, we renewed more than 50 existing relationships and signed 30 new business partnerships across our platforms. We diversified our partner base, adding new digital programs, including Venmo, a social payment service, and in early 2020, announcing a new partnership with Verizon. In Payment Solutions, we drove growth through our approximately 160,000 small and medium-sized merchant locations and increased our consumer reach by broadening our Synchrony Home and Synchrony Car Care programs. In CareCredit, we expanded our health Yf\\ o]ddf]kk g÷]jaf_k Z]qgf\\ af\\ana\\mYd \\g[lgjÌk offices to health systems and networks. We Ydkg ]pl]f\\]\\ gmj j]Y[' Z]qgf\\ l'] n]lÌk g÷a[]$ expanding from \"vet to pet\" through our acquisition g^ H]lk :]kl$ o'a[' g÷]jk h]l afkmjYf[] Yf\\ wellness plans for dogs and cats. It gives pet owners new ways to pay for pet care.",
"bbox": [
0.5602290468231758,
0.4795282005806992,
0.9065008210898632,
0.7909213440019357
],
"data": []
},
{
"index_in_doc": 62,
"label": "page_footer",
"text": "1",
"bbox": [
0.9508130530615153,
0.9633245748273866,
0.9567462168325042,
0.9705080151710169
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 3
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-4 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | Synchrony partners with businesses of all sizes- from small shops on Main Street, to digitally driven companies and major franchises-to enhance the customer experience and drive sales through every touchpoint-online, mobile and in-store. Synchrony partners with businesses of all sizes- from small shops on Main Street, to digitally driven companies and major franchises-to enhance the customer experience and drive sales through every touchpoint-online, mobile and in-store. During this milestone year, we also launched our new rallying cry-Changing What's Possible. It underscores our 2019 accomplishments, and signals where we are going as a business. It defines what we do and how we do it. The "what" is helping people and businesses reach their ambitions. The "how" is providing our business partners with the right payment tools and technology 2 3/13/20 4:25 PM 2 64175 Synchroy . indd to give customers the buying power they need. With our substantial investment in new products, mobile technology, digital innovation, data analytics and our people, we are Changing What's Possible-for our customers, our partners, our employees, and you, our shareholders. BUILDING ON EXPERIENCE- EXPANDING OUR PARTNERSHIPS Our capabilities and track record are rooted in more than 85 years of industry knowledge, experience and leadership. Today, we combine that heritage with digital technologies and innovative new approaches to deliver results to our partners and satisfaction to our customers. Our vast experience in consumer credit and ability to forge strong, trusted partnerships have driven organic growth in our existing programs and have made us a winning choice for fast-growing companies in new markets. We are increasingly becoming a partner of choice for digitally driven companies who take a tech-forward approach to consumer experience. In 2019, we completed the conversion of the $7.6 billion PayPal portfolio, lengthened our agreement with them and Z][Ye] l'] ]p[dmkan] akkm]j g^ N]fegÌk ^ajkl consumer credit card. In addition, Verizon chose us to launch their first consumer credit card. Partnerships with these digitally driven companies, combined with our existing relationships, are key to our strategy of driving diversification and future growth for Synchrony. The investments we will make in 2020 to develop new digital innovations and technologies for these programs can be utilized by our partners across all of Kqf['jgfqÌk hdYl^gjek$ [j]Ylaf_ Y\\alagfYd nYdm] ^gj Kqf['jgfqÌk hYjlf]jk Yf\ gmj shareholders for years to come. | [
{
"text": "to give customers the buying power they ",
"bbox": [
0.5351567560958229,
0.11644642563158525,
0.8158643225927653,
0.12770472267121646
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "need. With our substantial investment in ",
"bbox": [
0.5353714925535085,
0.13304448036398467,
0.8135832474994817,
0.14166836598519317
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "new products, mobile technology, digital ",
"bbox": [
0.5353714925535085,
0.14964245714599297,
0.8233946235618781,
0.1609007541856242
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "innovation, data analytics and our people, ",
"bbox": [
0.5354482166802705,
0.1662405118783924,
0.8283741003640651,
0.1774869604585728
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "we are Changing What’s Possible—for our ",
"bbox": [
0.5345738349269279,
0.18282664020094988,
0.8253659174019227,
0.19409678570003192
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "customers, our partners, our employees, ",
"bbox": [
0.5349573037319911,
0.19944831390185983,
0.8221891033115671,
0.21068299197298052
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and you, our shareholders.",
"bbox": [
0.5349419690285552,
0.21603452017480843,
0.7190890335918065,
0.22728096875498882
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "BUILDING ON EXPERIENCE—",
"bbox": [
0.535805975817527,
0.2470076403855364,
0.7795700149156561,
0.25726310564335886
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "EXPANDING OUR PARTNERSHIPS",
"bbox": [
0.535805975817527,
0.26233455808987866,
0.8156456385876607,
0.27259002334770116
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Our capabilities and track record are rooted ",
"bbox": [
0.535049362562189,
0.2842375266902139,
0.833698633298352,
0.2953658804278416
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in more than 85 years of industry knowledge, ",
"bbox": [
0.5354482166802705,
0.30083558142261335,
0.8389694188562397,
0.31209387846224457
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "experience and leadership. Today, we combine ",
"bbox": [
0.5349573037319911,
0.31743355820462166,
0.8484709124462324,
0.328680006784802
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "that heritage with digital technologies ",
"bbox": [
0.5351567560958229,
0.33403161293702105,
0.8028146924071051,
0.3452899099766523
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and innovative new approaches to deliver ",
"bbox": [
0.5349419690285552,
0.3506307589748962,
0.8212456394783894,
0.3617591127125239
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "results to our partners and satisfaction to ",
"bbox": [
0.5353714925535085,
0.3672287747321001,
0.826680602521248,
0.3783571284697278
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our customers. Our vast experience in ",
"bbox": [
0.5349573037319911,
0.38383859997355924,
0.7938145879489272,
0.3949551442269317
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "consumer credit and ability to forge strong, ",
"bbox": [
0.5349573037319911,
0.40042480624650784,
0.8342078669154229,
0.41168310328613905
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "trusted partnerships have driven organic ",
"bbox": [
0.5351567560958229,
0.41702399125957856,
0.8184888849210976,
0.4282822882992098
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "growth in our existing programs and have ",
"bbox": [
0.5349573037319911,
0.4336220070167824,
0.8226199932952425,
0.44488030405641366
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "made us a winning choice for fast-growing ",
"bbox": [
0.5353714925535085,
0.45022006174918183,
0.8290535846159826,
0.46147835878881305
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "companies in new markets. ",
"bbox": [
0.5349573037319911,
0.4668298480154454,
0.722942497797471,
0.47794639226881785
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We are increasingly becoming a partner of ",
"bbox": [
0.5346045043337998,
0.4891692608556833,
0.8333227559306333,
0.5004275578953145
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "choice for digitally driven companies who ",
"bbox": [
0.5349573037319911,
0.505768445868754,
0.823775308839915,
0.5170267429083852
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "take a tech-forward approach to consumer ",
"bbox": [
0.5351567560958229,
0.5223665006011534,
0.8358401777732432,
0.5334948543387811
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "experience. In 2019, we completed the ",
"bbox": [
0.5349573037319911,
0.5389645553335528,
0.8092652379379146,
0.5500929090711806
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "conversion of the $7.6 billion PayPal portfolio, ",
"bbox": [
0.5349573037319911,
0.5552199401465717,
0.8361468212323798,
0.5668090196709371
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "lengthened our agreement with them and ",
"bbox": [
0.5354482166802705,
0.5721617561038275,
0.8227275386576234,
0.5834200531434587
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Z][Ye]\u0003l`]\u0003]p[dmkan]\u0003akkm]j\u0003g^\u0003N]fegÌk\u0003^ajkl",
"bbox": [
0.5354788860871424,
0.5887125728992058,
0.8342261875842143,
0.5974309343944564
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "consumer credit card. In addition, Verizon ",
"bbox": [
0.5349573037319911,
0.6053577876182351,
0.8326646795320274,
0.615115773479905
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "chose us to launch their first consumer ",
"bbox": [
0.5349573037319911,
0.6219676518348899,
0.8143577765469527,
0.6305679184875878
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "credit card. ",
"bbox": [
0.5349573037319911,
0.6385550273637053,
0.6150917571970875,
0.6471789129849138
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Partnerships with these digitally driven ",
"bbox": [
0.5355708943077581,
0.6609062496881984,
0.8084905570616967,
0.6721645467278297
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "companies, combined with our existing ",
"bbox": [
0.5349573037319911,
0.6775042654454023,
0.8121152659553793,
0.6887625624850335
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "relationships, are key to our strategy of ",
"bbox": [
0.5353714925535085,
0.6941140906868615,
0.8076327752513475,
0.7053605782422374
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "driving diversification and future growth for ",
"bbox": [
0.5349573037319911,
0.7107002579846144,
0.8311705834434597,
0.7219585550242457
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Synchrony. The investments we will make ",
"bbox": [
0.5349726384354271,
0.727311291457136,
0.8195106417780887,
0.7385459695282567
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in 2020 to develop new digital innovations ",
"bbox": [
0.5354482166802705,
0.7438974977300846,
0.8277159733558769,
0.7551557947697158
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and technologies for these programs can ",
"bbox": [
0.5349419690285552,
0.7604955134872885,
0.8215969205891117,
0.7717538105269197
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "be utilized by our partners across all of ",
"bbox": [
0.5353714925535085,
0.7770935292444924,
0.8117255721716936,
0.7883400167998683
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Kqf[`jgfqÌk\u0003hdYl^gjek$\u0003[j]Ylaf_\u0003Y\\\\alagfYd",
"bbox": [
0.5350186931553171,
0.7936454958081398,
0.8308621180393605,
0.8046084583034003
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "nYdm]\u0003^gj\u0003Kqf[`jgfqÌk\u0003hYjlf]jk\u0003Yf\\\u0003gmj",
"bbox": [
0.534374382563096,
0.8102434725901481,
0.8088631448065662,
0.8210883012676604
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "shareholders for years to come.",
"bbox": [
0.5348499608079395,
0.8268887457719708,
0.7586171923585199,
0.8381352430711456
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "During this milestone year, we also launched ",
"bbox": [
0.12004190574633344,
0.7044059977525343,
0.4112896262907468,
0.7156642947921655
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our new rallying cry—Changing What’s ",
"bbox": [
0.11942830251817087,
0.7209922040254829,
0.3825547453973622,
0.7322623105493694
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Possible. It underscores our 2019 ",
"bbox": [
0.12004193105112458,
0.7376032374980045,
0.3578037242984297,
0.7462271231192129
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "accomplishments, and signals where we ",
"bbox": [
0.11941299311952606,
0.7542012142800127,
0.406466684926604,
0.765459511319644
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "are going as a business. It defines what we ",
"bbox": [
0.11941299311952606,
0.7707992300372166,
0.4167198826424518,
0.7820575270768478
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "do and how we do it. The “what” is helping ",
"bbox": [
0.11942832782296202,
0.7873972457944205,
0.4109000590310168,
0.7986555428340517
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "people and businesses reach their ambitions. ",
"bbox": [
0.11984250399208385,
0.8039964697826868,
0.42779237358131217,
0.8151248235203145
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "The “how” is providing our business partners ",
"bbox": [
0.11915221459434598,
0.8205944855398907,
0.42205053933619663,
0.8318527825795219
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "with the right payment tools and technology ",
"bbox": [
0.11904483371310765,
0.8371924623218989,
0.4266648426973207,
0.848450769105329
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Synchrony partners with businesses of all sizes—",
"bbox": [
0.1200124383170411,
0.5763218515525224,
0.43367148631840796,
0.5869604040075231
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "from small shops on Main Street, to digitally driven ",
"bbox": [
0.1198383033967532,
0.5897318132383461,
0.4435967845505545,
0.6003815515744731
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "companies and major franchises—to enhance the ",
"bbox": [
0.11999792601931747,
0.6031417749241699,
0.44153074957245025,
0.6137803273791707
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "customer experience and drive sales through every ",
"bbox": [
0.11999792601931747,
0.6165517366099936,
0.4500542129845564,
0.6272014749461207
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "touchpoint—online, mobile and in-store.",
"bbox": [
0.12018657323732898,
0.6299616982958174,
0.3766993179447813,
0.6404885088651421
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "2",
"bbox": [
0.04604411401954259,
0.9640140460368773,
0.05161625433521682,
0.9703167273471487
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "64175 Synchroy",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.08837479422143837,
1.0284827586791525
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.08934992067454071,
1.0260383147998484,
0.09038474745615996,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.0919170854103506,
1.0213486584971538,
0.10948922582724399,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "2 ",
"bbox": [
0.11861358946235619,
1.0214636012207654,
0.12339966174579577,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/13/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 63,
"label": "caption",
"text": "Synchrony partners with businesses of all sizes- from small shops on Main Street, to digitally driven companies and major franchises-to enhance the customer experience and drive sales through every touchpoint-online, mobile and in-store.",
"bbox": [
0.11912680858403296,
0.5751244555944683,
0.4519109267302809,
0.6406263641318447
],
"data": []
},
{
"index_in_doc": 64,
"label": "picture",
"text": "Synchrony partners with businesses of all sizes- from small shops on Main Street, to digitally driven companies and major franchises-to enhance the customer experience and drive sales through every touchpoint-online, mobile and in-store.",
"bbox": [
0.000005781650543212891,
0.1135309251027698,
0.4762398133032753,
0.5537714270035121
],
"data": []
},
{
"index_in_doc": 65,
"label": "text",
"text": "During this milestone year, we also launched our new rallying cry-Changing What's Possible. It underscores our 2019 accomplishments, and signals where we are going as a business. It defines what we do and how we do it. The \"what\" is helping people and businesses reach their ambitions. The \"how\" is providing our business partners with the right payment tools and technology",
"bbox": [
0.11733783576421279,
0.7035184156240022,
0.4293245786853493,
0.8490217849517082
],
"data": []
},
{
"index_in_doc": 66,
"label": "text",
"text": "2",
"bbox": [
0.11861358946235619,
1.0214636012207654,
0.12339966174579577,
1.0268505749270072
],
"data": []
},
{
"index_in_doc": 67,
"label": "text",
"text": "3/13/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 68,
"label": "text",
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 69,
"label": "page_footer",
"text": "2",
"bbox": [
0.04457722690765735,
0.9632667356371727,
0.05161625433521682,
0.9709105509907806
],
"data": []
},
{
"index_in_doc": 70,
"label": "text",
"text": "64175 Synchroy . indd",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.10948922582724399,
1.0284827586791525
],
"data": []
},
{
"index_in_doc": 71,
"label": "text",
"text": "to give customers the buying power they need. With our substantial investment in new products, mobile technology, digital innovation, data analytics and our people, we are Changing What's Possible-for our customers, our partners, our employees, and you, our shareholders.",
"bbox": [
0.5325381150886194,
0.11549535290948276,
0.8301177523029384,
0.2277476577466475
],
"data": []
},
{
"index_in_doc": 72,
"label": "section_header",
"text": "BUILDING ON EXPERIENCE- EXPANDING OUR PARTNERSHIPS",
"bbox": [
0.5329945629113547,
0.2458577162156769,
0.8163625739304778,
0.27259002334770116
],
"data": []
},
{
"index_in_doc": 73,
"label": "text",
"text": "Our capabilities and track record are rooted in more than 85 years of industry knowledge, experience and leadership. Today, we combine that heritage with digital technologies and innovative new approaches to deliver results to our partners and satisfaction to our customers. Our vast experience in consumer credit and ability to forge strong, trusted partnerships have driven organic growth in our existing programs and have made us a winning choice for fast-growing companies in new markets.",
"bbox": [
0.5323172042618937,
0.28281773826628354,
0.8489169346950145,
0.4783266732519157
],
"data": []
},
{
"index_in_doc": 74,
"label": "text",
"text": "We are increasingly becoming a partner of choice for digitally driven companies who take a tech-forward approach to consumer experience. In 2019, we completed the conversion of the $7.6 billion PayPal portfolio, lengthened our agreement with them and Z][Ye] l'] ]p[dmkan] akkm]j g^ N]fegÌk ^ajkl consumer credit card. In addition, Verizon chose us to launch their first consumer credit card.",
"bbox": [
0.5325968222040838,
0.4880355503671775,
0.836841083482328,
0.6476381966894157
],
"data": []
},
{
"index_in_doc": 75,
"label": "text",
"text": "Partnerships with these digitally driven companies, combined with our existing relationships, are key to our strategy of driving diversification and future growth for Synchrony. The investments we will make in 2020 to develop new digital innovations and technologies for these programs can be utilized by our partners across all of Kqf['jgfqÌk hdYl^gjek$ [j]Ylaf_ Y\\\\alagfYd nYdm] ^gj Kqf['jgfqÌk hYjlf]jk Yf\\ gmj shareholders for years to come.",
"bbox": [
0.5325627113456157,
0.6596034258261494,
0.832261928476109,
0.8390944908405172
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 4
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-5 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | 64175 Synchroy . indd 3 3/13/20 4:25 PM DIVERSIFYING WITH NEW PRODUCTS AND MARKETS In 2019, we expanded our Payment Solutions and CareCredit platforms. Both command leadership positions in their respective markets and represent continuing growth opportunities for Synchrony. Payment Solutions Payment Solutions surpassed $20 billion in loan receivables in 2019. This platform provides consumer financing through small and mediumsized merchants. It allows consumers to finance major purchases when shopping at national or local stores for big-ticket items like jewelry, furniture, tires, sporting goods and more. Our products and technology help our partners drive kYd]k Zq g÷]jaf_ [gfkme]jk afklYfl Y[[]kk lg credit and extended financing at the time of purchase-whether in-store, online or via mobile. As part of our diversification strategy, we launched l'] Kqf['jgfq @GE= [Yj\ af *()1$ g÷]jaf_ consumers financing at more than 1.3 million home-related retail locations nationwide. We Ydkg [gehd]l]\ Y eYbgj ]phYfkagf g^ Kqf['jgfqÌk ;Yj ;Yj] [Yj\& Fgo$ al g÷]jk ]f'Yf[]\ ^afYf[af_ at a network of more than 730,000 car repair, maintenance, gas and other auto-related merchant locations. We also launched Synchrony Small Business Solutions, a comprehensive Payment Solutions program aimed at increasing our engagement with small and medium-sized business partners. The program gives new partners the training and business-building tools they need to succeed- resources many small businesses cannot build or acquire on their own. CareCredit CareCredit is a leading provider of consumer financing for healthcare expenses not covered Zq afkmjYf[]& G÷]j]\ fYlagfoa\] l'jgm_' egj] than 240,000 locations, CareCredit helps h]ghd] Y÷gj\ ']Ydl'$ o]ddf]kk$ h]jkgfYd Yf\ veterinary care. In 2019, cardholder balances surpassed $10 billion. Also in 2019, CareCredit expanded into national health systems like D]'a_' NYdd]q H'qka[aYf ?jgmh Yf\ Kl& Dmc]Ìk University Health Network. These large networks integrate our CareCredit program into their payment platforms as an option for hYla]flk& AlÌk Y dg_a[Yd ]pl]fkagf g^ gmj Zmkaf]kk$ gf] l'Yl g÷]jk eYfq dgf_%l]je ghhgjlmfala]k& The Synchrony HOME card provides families and individuals the opportunity to make their house their home by giving them the financial flexibility to furnish, decorate and improve their living spaces to match their own ambitions and dreams. 3 | [
{
"text": "3",
"bbox": [
0.9513665194535137,
0.9640140460368773,
0.9560214876140133,
0.9704061267019688
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "DIVERSIFYING WITH NEW ",
"bbox": [
0.14366252386747902,
0.11662703668781929,
0.36829058645574214,
0.12688250194564177
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "PRODUCTS AND MARKETS ",
"bbox": [
0.14366252386747902,
0.13195395439216157,
0.3686846326635054,
0.14220941964998404
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "In 2019, we expanded our Payment Solutions ",
"bbox": [
0.14351700866598,
0.15386877145194763,
0.45788655194081673,
0.16510344952306832
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and CareCredit platforms. Both command ",
"bbox": [
0.1429801042597883,
0.17044320721583653,
0.4410677731135987,
0.18158340941291506
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "leadership positions in their respective markets ",
"bbox": [
0.1433789457254742,
0.1870659722222222,
0.46405945330314574,
0.19818255545079022
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and represent continuing growth opportunities ",
"bbox": [
0.1429801042597883,
0.20366402695462166,
0.46126130010753524,
0.21491055348519317
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "for Synchrony.",
"bbox": [
0.14278068985314313,
0.22026200373662994,
0.24028764158536745,
0.23149668180775063
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Payment Solutions",
"bbox": [
0.143470979250881,
0.24835579240002395,
0.28273797232910963,
0.25959047047114464
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Payment Solutions surpassed $20 billion in loan ",
"bbox": [
0.143470979250881,
0.26828529094827586,
0.4589636250712583,
0.2798743314974457
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "receivables in 2019. This platform provides ",
"bbox": [
0.14331758160693925,
0.2852376302083333,
0.4409666551681696,
0.2963542134369013
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "consumer financing through small and medium\u0002",
"bbox": [
0.1429801042597883,
0.30183568494073276,
0.4633676203131478,
0.3130822114713043
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "sized merchants. It allows consumers to finance ",
"bbox": [
0.14290340543781743,
0.31843490892899906,
0.4624288631711235,
0.3270470240411478
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "major purchases when shopping at national ",
"bbox": [
0.14331758160693925,
0.33503288571100737,
0.448211669921875,
0.3462793732663833
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "or local stores for big-ticket items like jewelry, ",
"bbox": [
0.1429801042597883,
0.35163094044340676,
0.4568863041563018,
0.36287742799878275
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "furniture, tires, sporting goods and more. Our ",
"bbox": [
0.14278068985314313,
0.3682301254564775,
0.45134111344320066,
0.3794766130118534
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "products and technology help our partners drive ",
"bbox": [
0.14331758160693925,
0.38482814121368136,
0.4644936329096704,
0.3960746287690573
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "kYd]k\u0003Zq\u0003g÷]jaf_\u0003[gfkme]jk\u0003afklYfl\u0003Y[[]kk\u0003lg",
"bbox": [
0.14310281984446258,
0.40142619594608075,
0.4542172560051306,
0.41233009153246725
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "credit and extended financing at the time of ",
"bbox": [
0.1429801042597883,
0.41802421170328463,
0.45587082288751557,
0.4292706992586606
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "purchase—whether in-store, online or via mobile. ",
"bbox": [
0.14331758160693925,
0.43462339671635536,
0.4673835412779851,
0.4457399409697278
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "As part of our diversification strategy, we launched ",
"bbox": [
0.1425966101499339,
0.4569746190408485,
0.47232779381089346,
0.46822110659622446
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "l`]\u0003Kqf[`jgfq\u0003@GE=\u0003[Yj\\\u0003af\u0003*()1$\u0003g÷]jaf_",
"bbox": [
0.1425812627941024,
0.47357263479805234,
0.44101731536004873,
0.48447653038443883
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "consumers financing at more than 1.3 million ",
"bbox": [
0.1429801042597883,
0.4901706895304518,
0.45591525810077216,
0.5014171770858278
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "home-related retail locations nationwide. We ",
"bbox": [
0.14331758160693925,
0.5067687052876556,
0.4584542396254405,
0.5153807814246089
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Ydkg\u0003[gehd]l]\\\u0003Y\u0003eYbgj\u0003]phYfkagf\u0003g^\u0003Kqf[`jgfqÌk",
"bbox": [
0.14314884925956156,
0.5233088818546456,
0.47071228533439574,
0.5341773100130707
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ";Yj\u0003;Yj]\u0003[Yj\\&\u0003Fgo$\u0003al\u0003g÷]jk\u0003]f`Yf[]\\\u0003^afYf[af_",
"bbox": [
0.14322554808153246,
0.5399659060579303,
0.4666781449199316,
0.5508698016443168
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "at a network of more than 730,000 car repair, ",
"bbox": [
0.1429801042597883,
0.5565639218151341,
0.46329236386427236,
0.5676804660685065
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "maintenance, gas and other auto-related ",
"bbox": [
0.14331758160693925,
0.5731619375723379,
0.4316154214280162,
0.584408425127714
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "merchant locations.",
"bbox": [
0.14331758160693925,
0.5897611615606042,
0.27846424615205223,
0.5983614282133022
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We also launched Synchrony Small Business ",
"bbox": [
0.14265796161607328,
0.6121123449099019,
0.4502042197864842,
0.6233470229810225
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Solutions, a comprehensive Payment Solutions ",
"bbox": [
0.14299545161561983,
0.6287103606671057,
0.4635960213580535,
0.6399450387382264
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "program aimed at increasing our engagement ",
"bbox": [
0.14331758160693925,
0.6453083764243095,
0.4588698961248445,
0.6565548639796855
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "with small and medium-sized business partners. ",
"bbox": [
0.14264262691263732,
0.6619063532063179,
0.46902491125103646,
0.6730228974596902
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "The program gives new partners the training and ",
"bbox": [
0.14275000779387567,
0.6785055771945842,
0.45835610764536694,
0.6897520647499601
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "business-building tools they need to succeed—",
"bbox": [
0.14331758160693925,
0.695103592951788,
0.4622722771234971,
0.706350080507164
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "resources many small businesses cannot build ",
"bbox": [
0.14331758160693925,
0.7117016087089919,
0.45798928939287936,
0.7229362867801126
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "or acquire on their own. ",
"bbox": [
0.1429801042597883,
0.7282996244661957,
0.3013238353318045,
0.7394161687195682
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CareCredit ",
"bbox": [
0.14305680308175917,
0.7563697941610792,
0.22543086973984244,
0.765005489266543
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CareCredit is a leading provider of consumer ",
"bbox": [
0.14305680308175917,
0.7766536162121848,
0.44303906695364326,
0.7879237227360713
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "financing for healthcare expenses not covered ",
"bbox": [
0.14278068985314313,
0.7932752509378991,
0.4520636664496528,
0.804521738493275
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Zq\u0003afkmjYf[]&\u0003G÷]j]\\\u0003fYlagfoa\\]\u0003l`jgm_`\u0003egj]",
"bbox": [
0.14360904219138682,
0.8098732277199074,
0.45925184664243884,
0.8207771233062939
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "than 240,000 locations, CareCredit helps ",
"bbox": [
0.14308748514102665,
0.8264488327396632,
0.437418670401249,
0.8375889959615461
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "The Synchrony HOME card provides families and",
"bbox": [
0.5263951239894279,
0.3572269990221903,
0.8371246489719372,
0.3678544045712604
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "individuals the opportunity to make their house their ",
"bbox": [
0.5269900396293273,
0.37063696070801405,
0.8624764564223155,
0.38126436625708415
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "home by giving them the financial flexibility to furnish,",
"bbox": [
0.5269319904384329,
0.3840469223938378,
0.870986862562189,
0.39468551382403416
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "decorate and improve their living spaces to match ",
"bbox": [
0.5266127451933044,
0.39745688407966157,
0.8492889151248963,
0.4080954755098579
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "their own ambitions and dreams.",
"bbox": [
0.5267143692345564,
0.4108668457654853,
0.7368072965251866,
0.41901340216664673
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "h]ghd]\u0003Y÷gj\\\u0003`]Ydl`$\u0003o]ddf]kk$\u0003h]jkgfYd\u0003Yf\\",
"bbox": [
0.5272699106194288,
0.11658587888130588,
0.8357307092467351,
0.12737164064994413
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "veterinary care. In 2019, cardholder balances ",
"bbox": [
0.5262728006290164,
0.1331839336137053,
0.8344773123315713,
0.14441861168482598
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "surpassed $10 billion. Also in 2019, CareCredit ",
"bbox": [
0.5265642612134639,
0.14942754791766444,
0.8343730565920398,
0.1608984936242816
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "expanded into national health systems like ",
"bbox": [
0.526640985340226,
0.16637996512811304,
0.8246120370640289,
0.17761464319923373
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "D]`a_`\u0003NYdd]q\u0003H`qka[aYf\u0003?jgmh\u0003Yf\\\u0003Kl&\u0003Dmc]Ìk",
"bbox": [
0.5274233082633707,
0.18291885551364942,
0.825379278331649,
0.19388187647170338
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "University Health Network. These large ",
"bbox": [
0.5270551235521611,
0.19957599664252076,
0.8023185666718491,
0.21082252317309227
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "networks integrate our CareCredit program ",
"bbox": [
0.5269784500349813,
0.21615035445601852,
0.8264253277881426,
0.22742049995510058
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "into their payment platforms as an option for ",
"bbox": [
0.5270397888487252,
0.2327720281569285,
0.8312100589176513,
0.24400670622804918
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "hYla]flk&\u0003AlÌk\u0003Y\u0003dg_a[Yd\u0003]pl]fkagf\u0003g^\u0003gmj\u0003Zmkaf]kk$",
"bbox": [
0.5272699106194288,
0.24931216574872286,
0.8446614785771662,
0.2602751867067768
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "gf]\u0003l`Yl\u0003g÷]jk\u0003eYfq\u0003dgf_%l]je\u0003ghhgjlmfala]k&",
"bbox": [
0.5268097176876037,
0.26596922892720304,
0.837160075679545,
0.2768731634887851
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "64175 Synchroy",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.08837479422143837,
1.0284827586791525
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.08934992067454071,
1.0260383147998484,
0.09038474745615996,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.0919170854103506,
1.0213486584971538,
0.10948922582724399,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3 ",
"bbox": [
0.11869319833530913,
1.0214636012207654,
0.12354892205638475,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/13/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 76,
"label": "text",
"text": "64175 Synchroy . indd",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.10948922582724399,
1.0284827586791525
],
"data": []
},
{
"index_in_doc": 77,
"label": "text",
"text": "3",
"bbox": [
0.11869319833530913,
1.0214636012207654,
0.12354892205638475,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 78,
"label": "text",
"text": "3/13/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 79,
"label": "text",
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 80,
"label": "section_header",
"text": "DIVERSIFYING WITH NEW PRODUCTS AND MARKETS",
"bbox": [
0.1416994034749754,
0.11564657666826308,
0.3686846326635054,
0.14281782245270594
],
"data": []
},
{
"index_in_doc": 81,
"label": "text",
"text": "In 2019, we expanded our Payment Solutions and CareCredit platforms. Both command leadership positions in their respective markets and represent continuing growth opportunities for Synchrony.",
"bbox": [
0.1412863280642685,
0.1527007627913474,
0.46490114126632465,
0.23220478316072
],
"data": []
},
{
"index_in_doc": 82,
"label": "section_header",
"text": "Payment Solutions",
"bbox": [
0.14139214004845563,
0.24722418657207854,
0.28471189786743367,
0.260114219149106
],
"data": []
},
{
"index_in_doc": 83,
"label": "text",
"text": "Payment Solutions surpassed $20 billion in loan receivables in 2019. This platform provides consumer financing through small and mediumsized merchants. It allows consumers to finance major purchases when shopping at national or local stores for big-ticket items like jewelry, furniture, tires, sporting goods and more. Our products and technology help our partners drive kYd]k Zq g÷]jaf_ [gfkme]jk afklYfl Y[[]kk lg credit and extended financing at the time of purchase-whether in-store, online or via mobile.",
"bbox": [
0.14117389887719606,
0.26747936185444604,
0.4695686606032338,
0.4462751483551844
],
"data": []
},
{
"index_in_doc": 84,
"label": "text",
"text": "As part of our diversification strategy, we launched l'] Kqf['jgfq @GE= [Yj\\ af *()1$ g÷]jaf_ consumers financing at more than 1.3 million home-related retail locations nationwide. We Ydkg [gehd]l]\\ Y eYbgj ]phYfkagf g^ Kqf['jgfqÌk ;Yj ;Yj] [Yj\\& Fgo$ al g÷]jk ]f'Yf[]\\ ^afYf[af_ at a network of more than 730,000 car repair, maintenance, gas and other auto-related merchant locations.",
"bbox": [
0.1407485506427822,
0.45555849428530093,
0.4753722132339604,
0.5993584916661678
],
"data": []
},
{
"index_in_doc": 85,
"label": "text",
"text": "We also launched Synchrony Small Business Solutions, a comprehensive Payment Solutions program aimed at increasing our engagement with small and medium-sized business partners. The program gives new partners the training and business-building tools they need to succeed- resources many small businesses cannot build or acquire on their own.",
"bbox": [
0.1408407866065182,
0.6104751918203225,
0.47029308616423093,
0.7399839983437101
],
"data": []
},
{
"index_in_doc": 86,
"label": "section_header",
"text": "CareCredit",
"bbox": [
0.1414693449662495,
0.7551950817668422,
0.22678973702451286,
0.7657699877274904
],
"data": []
},
{
"index_in_doc": 87,
"label": "text",
"text": "CareCredit is a leading provider of consumer financing for healthcare expenses not covered Zq afkmjYf[]& G÷]j]\\ fYlagfoa\\] l'jgm_' egj] than 240,000 locations, CareCredit helps",
"bbox": [
0.14135691577917703,
0.7753920281070402,
0.45925184664243884,
0.8375889959615461
],
"data": []
},
{
"index_in_doc": 88,
"label": "text",
"text": "h]ghd] Y÷gj\\ ']Ydl'$ o]ddf]kk$ h]jkgfYd Yf\\ veterinary care. In 2019, cardholder balances surpassed $10 billion. Also in 2019, CareCredit expanded into national health systems like D]'a_' NYdd]q H'qka[aYf ?jgmh Yf\\ Kl& Dmc]Ìk University Health Network. These large networks integrate our CareCredit program into their payment platforms as an option for hYla]flk& AlÌk Y dg_a[Yd ]pl]fkagf g^ gmj Zmkaf]kk$ gf] l'Yl g÷]jk eYfq dgf_%l]je ghhgjlmfala]k&",
"bbox": [
0.5246461580444134,
0.11537414005128512,
0.8455915308710354,
0.2768731634887851
],
"data": []
},
{
"index_in_doc": 89,
"label": "text",
"text": "The Synchrony HOME card provides families and individuals the opportunity to make their house their home by giving them the financial flexibility to furnish, decorate and improve their living spaces to match their own ambitions and dreams.",
"bbox": [
0.5254697783867123,
0.35582724384877873,
0.872763360119973,
0.4197800052881545
],
"data": []
},
{
"index_in_doc": 90,
"label": "picture",
"text": "",
"bbox": [
0.524330860346704,
0.442716011446859,
0.9997456362393761,
0.9044240900383141
],
"data": []
},
{
"index_in_doc": 91,
"label": "page_footer",
"text": "3",
"bbox": [
0.9499824485968594,
0.9627952137212644,
0.9570415743547885,
0.9707298619841555
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 5
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-6 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | In addition to helping people stay healthier, CareCredit is doing the same for their pets. Today, approximately 85% of eligible veterinary practices have enrolled with CareCredit. In 2019, we acquired Pets Best, a pioneer in the fast-growing pet health insurance market. Pets Best is a natural complement to our popular veterinary ^afYf[af_ hjg_jYek$ g÷]jaf_ Y [gehj]']fkan] kmal] g^ ghlagfk lg ']dh h]ghd] Y÷gj\ l'] care they want for the pets they love. At Synchrony, we are constantly asking ourselves how we can better delight our partners and customers. Synchrony's Innovation Stations™ are hubs of thinking, creativity and action that bring a collaborative energy and Agile development to infuse the most modern technology into our products and services so we can continue to deliver best-in-class customer experience. 4 64175 Synchroy . indd 4 3/13/20 4:25 PM Our focus on diversification and growth in these areas continues to position our company for long-term success, while helping our smaller partners and healthcare providers enhance and grow their businesses today. ENHANCING OUR CUSTOMER EXPERIENCE Today, consumers expect a buying experience l'YlÌk h]jkgfYdar]\$ ]÷gjld]kk Yf\ ^Ykl& Teams across Synchrony are busy creating experiences that do just that-delighting consumers and helping our partners grow. We are helping our partners build positive user experiences at every touchpoint. Our unique digital infrastructure lets their customers easily apply for credit, make purchases and access account information digitally, from any device, at any time. We believe the future of our business and l'Yl g^ gmj hYjlf]jk ak la]\ lg Kqf['jgfqÌk ability to anticipate what customers need and deliver it in a personalized, secure way. This requires deep insight into consumer behavior and preferences that can only be gained by analyzing massive amounts of data-our own, as well as from partners and third parties. Following strict privacy and security protocols, we use our findings to accelerate decision making. For example, we are ready to help customers even before l']q ]fl]j gmj hYjlf]jkÌ klgj]k Z][Ymk] g^ improvements we have made in building credit risk profiles. We can approve credit line increases in seconds, whether customers Yj] Yl 'ge]$ af l'] klgj]Ìk hYjcaf_ dgl gj Yl the point of purchase. This leads to more satisfied customers, and ultimately, to more profits for Synchrony and our partners. | [
{
"text": "4",
"bbox": [
0.04584079318576389,
0.9640766255852515,
0.05215588533265476,
0.9703435471535947
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Our focus on diversification and growth in ",
"bbox": [
0.5351567560958229,
0.11657410837224617,
0.8137443884095149,
0.1278324054118774
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "these areas continues to position our company ",
"bbox": [
0.5353408231466366,
0.1331839336137053,
0.8496660577321725,
0.14441861168482598
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "for long-term success, while helping our ",
"bbox": [
0.5348959649182473,
0.1497819103957136,
0.8170026333177861,
0.16102843692628513
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "smaller partners and healthcare providers ",
"bbox": [
0.5349419690285552,
0.16636819461905333,
0.833003561295087,
0.17749654835668102
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "enhance and grow their businesses today.",
"bbox": [
0.5350340278587531,
0.1829661714010616,
0.8299540303042081,
0.19422446844069285
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "ENHANCING OUR ",
"bbox": [
0.5360614023793792,
0.21392970371368136,
0.6920498014484867,
0.22418516897150384
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CUSTOMER EXPERIENCE",
"bbox": [
0.535313443362614,
0.2292552183109834,
0.7422886179454291,
0.23951068356880587
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Today, consumers expect a buying experience ",
"bbox": [
0.5347425672743056,
0.25115966796875,
0.8420297296881478,
0.2624179650083812
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "l`YlÌk\u0003h]jkgfYdar]\\$\u0003]÷gjld]kk\u0003Yf\\\u0003^Ykl&",
"bbox": [
0.534451106689858,
0.26771040681373726,
0.809208352767413,
0.27855525497884737
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Teams across Synchrony are busy creating ",
"bbox": [
0.5347425672743056,
0.28435569948315775,
0.8359045025523425,
0.29561399652278897
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "experiences that do just that—delighting ",
"bbox": [
0.5350340278587531,
0.30095375421555715,
0.8201487780012697,
0.31221205125518836
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "consumers and helping our partners grow. ",
"bbox": [
0.5350340278587531,
0.31755173099756545,
0.8324990343691697,
0.32881002803719667
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We are helping our partners build positive user ",
"bbox": [
0.5346811778509795,
0.3341497857299649,
0.8533583304182214,
0.3454080827695961
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "experiences at every touchpoint. Our unique ",
"bbox": [
0.5350340278587531,
0.3507595330210329,
0.8380212989414905,
0.3619942110921536
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "digital infrastructure lets their customers easily ",
"bbox": [
0.5350340278587531,
0.367345778269177,
0.856676497071932,
0.3786040753088083
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "apply for credit, make purchases and access ",
"bbox": [
0.535049362562189,
0.38394496328224775,
0.8423825290863391,
0.39519145083762375
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "account information digitally, from any device, ",
"bbox": [
0.535049362562189,
0.40054297903945163,
0.850990004405058,
0.41180127607908285
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "at any time.",
"bbox": [
0.535049362562189,
0.4171528042809108,
0.6126327388124482,
0.42838748235203145
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We believe the future of our business and ",
"bbox": [
0.5346811778509795,
0.4394922171211486,
0.8235880027758343,
0.44811610274235714
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "l`Yl\u0003g^\u0003gmj\u0003hYjlf]jk\u0003ak\u0003la]\\\u0003lg\u0003Kqf[`jgfqÌk",
"bbox": [
0.534451106689858,
0.45604299494133144,
0.8231568597442475,
0.46688780413124603
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "ability to anticipate what customers need ",
"bbox": [
0.535049362562189,
0.4726894178914232,
0.8270670572916666,
0.48393590544679915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and deliver it in a personalized, secure way. ",
"bbox": [
0.535049362562189,
0.48928747262382266,
0.8357096050509173,
0.5005339601791986
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "This requires deep insight into consumer ",
"bbox": [
0.5347425672743056,
0.5058854883810265,
0.8209205235217143,
0.5171437854206578
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "behavior and preferences that can only be ",
"bbox": [
0.5355555596043221,
0.5224835041382304,
0.8343030635397233,
0.5337299916936064
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "gained by analyzing massive amounts of ",
"bbox": [
0.535049362562189,
0.5390827281264966,
0.8206750670475746,
0.5503410251661279
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "data—our own, as well as from partners and ",
"bbox": [
0.5350340278587531,
0.5556807828588961,
0.8346926054946621,
0.5668091365965238
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "third parties. Following strict privacy and ",
"bbox": [
0.5353408231466366,
0.5722787596409044,
0.8210461365049752,
0.5835370566805356
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "security protocols, we use our findings to ",
"bbox": [
0.5349419690285552,
0.5888768143733037,
0.8235804113384898,
0.6001351114129351
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "accelerate decision making. For example, ",
"bbox": [
0.535049362562189,
0.6054759993863745,
0.8275534153775393,
0.6167342964260057
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "we are ready to help customers even before ",
"bbox": [
0.5346351737406716,
0.6220752233746408,
0.8332277111350798,
0.6333217109300168
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "l`]q\u0003]fl]j\u0003gmj\u0003hYjlf]jkÌ\u0003klgj]k\u0003Z][Ymk]\u0003g^",
"bbox": [
0.534451106689858,
0.6386259622196281,
0.8295030989259432,
0.6494707714095427
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "improvements we have made in building ",
"bbox": [
0.5356476184345201,
0.655271215913853,
0.8170715635688743,
0.6665295129534842
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "credit risk profiles. We can approve credit line ",
"bbox": [
0.5350340278587531,
0.6718704399021193,
0.8390276704854633,
0.6829987936397469
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "increases in seconds, whether customers ",
"bbox": [
0.5356476184345201,
0.6884684556593231,
0.8245468013124482,
0.6982382510052483
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Yj]\u0003Yl\u0003`ge]$\u0003af\u0003l`]\u0003klgj]Ìk\u0003hYjcaf_\u0003dgl\u0003gj\u0003Yl",
"bbox": [
0.5350186931553171,
0.7050192139919081,
0.8279306592039801,
0.7159821764871688
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "the point of purchase. This leads to more ",
"bbox": [
0.5353408231466366,
0.7216644481985353,
0.8246847630337893,
0.732792801936163
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "satisfied customers, and ultimately, to more ",
"bbox": [
0.5349419690285552,
0.7382636721868016,
0.8387578201926565,
0.7495101597421775
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "profits for Synchrony and our partners.",
"bbox": [
0.5355402249008862,
0.7548616879440054,
0.7980178149778452,
0.7661081754993814
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "At Synchrony, we are constantly asking ourselves how",
"bbox": [
0.1190526528935725,
0.3304070756505428,
0.46882626864052135,
0.34104566708073913
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "we can better delight our partners and customers. ",
"bbox": [
0.11909618978674337,
0.3438058904304358,
0.44275479292988185,
0.3544556287665629
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Synchrony’s Innovation Stations™ are hubs of thinking,",
"bbox": [
0.11950248351342248,
0.35721585211625956,
0.46684409374028296,
0.36786559045238665
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "creativity and action that bring a collaborative energy ",
"bbox": [
0.11947345891797523,
0.3706258138020833,
0.46851137581947033,
0.3812755521382104
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and Agile development to infuse the most modern",
"bbox": [
0.11948797121569885,
0.38403577548790707,
0.44073931692449214,
0.39468551382403416
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "technology into our products and services so we can ",
"bbox": [
0.1197636795676565,
0.39744573717373083,
0.4590447522316801,
0.4080954755098579
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "continue to deliver best-in-class customer experience.",
"bbox": [
0.11947345891797523,
0.4108556988595546,
0.46810209612743575,
0.42138250942887934
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "In addition to helping people stay healthier, ",
"bbox": [
0.12035530558470668,
0.11657410837224617,
0.4137291093766195,
0.1278324054118774
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CareCredit is doing the same for their ",
"bbox": [
0.11963432147530577,
0.13316031464519476,
0.3880854617699264,
0.14443046014427682
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "pets. Today, approximately 85% of eligible ",
"bbox": [
0.1200178282375557,
0.14975829142720307,
0.4191516224622331,
0.16102843692628513
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "veterinary practices have enrolled with ",
"bbox": [
0.11909742972150963,
0.16636819461905333,
0.3961020702153296,
0.17761464319923373
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CareCredit. In 2019, we acquired Pets Best, ",
"bbox": [
0.11963432147530577,
0.1829543229416108,
0.42450857083398114,
0.19409452513868933
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "a pioneer in the fast-growing pet health ",
"bbox": [
0.119526953246463,
0.19957599664252076,
0.3992068415652856,
0.21082252317309227
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "insurance market. Pets Best is a natural ",
"bbox": [
0.12012520911879405,
0.21617397342452904,
0.3987449785172445,
0.22477424007722702
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "complement to our popular veterinary ",
"bbox": [
0.11951160589063148,
0.2327720281569285,
0.39015764581227974,
0.24400670622804918
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "^afYf[af_\u0003hjg_jYek$\u0003g÷]jaf_\u0003Y\u0003[gehj]`]fkan]",
"bbox": [
0.11892868472173637,
0.24937000493893677,
0.4264105801558613,
0.26027393950051886
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "kmal]\u0003g^\u0003ghlagfk\u0003lg\u0003`]dh\u0003h]ghd]\u0003Y÷gj\\\u0003l`]",
"bbox": [
0.11945024177209655,
0.2659680596713362,
0.40103989533128626,
0.27675382143997446
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "care they want for the pets they love.",
"bbox": [
0.11951160589063148,
0.2825660364533445,
0.3790253849567268,
0.2938007145244652
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "64175 Synchroy",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.08837479422143837,
1.0284827586791525
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.08934992067454071,
1.0260383147998484,
0.09038474745615996,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.0919170854103506,
1.0213486584971538,
0.10948922582724399,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4 ",
"bbox": [
0.11860364467943486,
1.0214636012207654,
0.12355886683930607,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/13/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "1",
"bbox": [
0.1531232725262576,
0.7330779054916986,
0.2603648424543947,
0.7824606215410814
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 92,
"label": "text",
"text": "In addition to helping people stay healthier, CareCredit is doing the same for their pets. Today, approximately 85% of eligible veterinary practices have enrolled with CareCredit. In 2019, we acquired Pets Best, a pioneer in the fast-growing pet health insurance market. Pets Best is a natural complement to our popular veterinary ^afYf[af_ hjg_jYek$ g÷]jaf_ Y [gehj]']fkan] kmal] g^ ghlagfk lg ']dh h]ghd] Y÷gj\\ l'] care they want for the pets they love.",
"bbox": [
0.1177489880107924,
0.11522985387731481,
0.42723774316892105,
0.2943840173012452
],
"data": []
},
{
"index_in_doc": 93,
"label": "text",
"text": "At Synchrony, we are constantly asking ourselves how we can better delight our partners and customers. Synchrony's Innovation Stations™ are hubs of thinking, creativity and action that bring a collaborative energy and Agile development to infuse the most modern technology into our products and services so we can continue to deliver best-in-class customer experience.",
"bbox": [
0.11835877021549156,
0.32925278625878035,
0.47055620538259224,
0.42138250942887934
],
"data": []
},
{
"index_in_doc": 94,
"label": "picture",
"text": "",
"bbox": [
0,
0.4425852106905532,
0.4749077690972222,
0.9041252282387452
],
"data": []
},
{
"index_in_doc": 95,
"label": "page_footer",
"text": "4",
"bbox": [
0.044404458446091484,
0.962942228158924,
0.05215588533265476,
0.9704500200800208
],
"data": []
},
{
"index_in_doc": 96,
"label": "text",
"text": "64175 Synchroy . indd",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.10948922582724399,
1.0284827586791525
],
"data": []
},
{
"index_in_doc": 97,
"label": "text",
"text": "4",
"bbox": [
0.11860364467943486,
1.0214636012207654,
0.12355886683930607,
1.0268505749270072
],
"data": []
},
{
"index_in_doc": 98,
"label": "text",
"text": "3/13/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 99,
"label": "text",
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 100,
"label": "text",
"text": "Our focus on diversification and growth in these areas continues to position our company for long-term success, while helping our smaller partners and healthcare providers enhance and grow their businesses today.",
"bbox": [
0.5328632816548766,
0.11521699206277937,
0.8496660577321725,
0.19466597945601852
],
"data": []
},
{
"index_in_doc": 101,
"label": "section_header",
"text": "ENHANCING OUR CUSTOMER EXPERIENCE",
"bbox": [
0.5328167714487458,
0.21258295480623404,
0.7422886179454291,
0.23971943471623564
],
"data": []
},
{
"index_in_doc": 102,
"label": "text",
"text": "Today, consumers expect a buying experience l'YlÌk h]jkgfYdar]\\$ ]÷gjld]kk Yf\\ ^Ykl& Teams across Synchrony are busy creating experiences that do just that-delighting consumers and helping our partners grow. We are helping our partners build positive user experiences at every touchpoint. Our unique digital infrastructure lets their customers easily apply for credit, make purchases and access account information digitally, from any device, at any time.",
"bbox": [
0.532320848151819,
0.24963792043322958,
0.856676497071932,
0.42851489226632344
],
"data": []
},
{
"index_in_doc": 103,
"label": "text",
"text": "We believe the future of our business and l'Yl g^ gmj hYjlf]jk ak la]\\ lg Kqf['jgfqÌk ability to anticipate what customers need and deliver it in a personalized, secure way. This requires deep insight into consumer behavior and preferences that can only be gained by analyzing massive amounts of data-our own, as well as from partners and third parties. Following strict privacy and security protocols, we use our findings to accelerate decision making. For example, we are ready to help customers even before l']q ]fl]j gmj hYjlf]jkÌ klgj]k Z][Ymk] g^ improvements we have made in building credit risk profiles. We can approve credit line increases in seconds, whether customers Yj] Yl 'ge]$ af l'] klgj]Ìk hYjcaf_ dgl gj Yl the point of purchase. This leads to more satisfied customers, and ultimately, to more profits for Synchrony and our partners.",
"bbox": [
0.5322785891506011,
0.4377396584775104,
0.8397913690823228,
0.7664879887801325
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 6
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-7 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | 64175 Synchroy . indd 5 3/13/20 4:25 PM SPOTLIGHTING OUR TECHNOLOGY HERE ARE FOUR DIGITAL PRODUCTS AND CAPABILITIES THAT ARE DELIVERING RADICALLY SIMPLE CUSTOMER EXPERIENCES: FASTER dApplyak Kqf['jgfqÌk \a_alYd [j]\al approval process for mobile, tablet or desktop that makes applying for credit a quick, easy process. By reducing the number of form fields Zq 0( $ o]Ìn] eY\] al ]n]f ]Yka]j& Now, customers can apply and buy in just three simple steps. TIMELIER Sydneyak Kqf['jgfqÌk afl]dda_]fl virtual assistant, available 24/7. Built on a machine learning and artificial afl]dda_]f[] hdYl^gje$ k']Ìk Z]]f answering questions for customers since 2017-currently handling more than half a million inquiries a month. Fgo$ k']Ìk Ydkg ']dhaf_ gmj [mklge]j service representatives quickly find the information they need to do their bgZk egj] ]÷a[a]fldq& Kq\f]q d]Yjfk with every interaction and is making our teams smarter too. Synchrony is going beyond digital transformation to create positive experiences to meet the increasingly rapid pace of changing customer expectations. Speed and ease of use are key, while creating personalized experiences at every touchpoint are becoming ever more important." CAROL JUEL EXECUTIVE VICE PRESIDENT AND CHIEF INFORMATION OFFICER BETTER SyPIak Kqf['jgfqÌk hYl]fl]\ aGK and Android plug-in that lives oal'af Y hYjlf]jÌk ]paklaf_ egZad] app. Because SyPI integrates k]Yed]kkdq oal' gmj hYjlf]jÌk applications, customers can securely access all of their credit and account management functions, special promotions and loyalty features in one place. SMARTER PRISMak Kqf['jgfqÌk f]o ]fl]jhjak]% wide credit platform, combining artificial intelligence, machine learning and data analytics to give us a more holistic view of our customers. We expect PRISM to boost our approval rates and reduce fraud, leading to higher sales and lower losses for our partners and ourselves. 5 | [
{
"text": "“",
"bbox": [
0.1752819232086637,
0.7496040899634818,
0.2168739533938381,
0.7817879941119392
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "FASTER ",
"bbox": [
0.20849088096302343,
0.24267430019256864,
0.29130910996773945,
0.25569084625439015
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "dApplyak\u0003Kqf[`jgfqÌk\u0003\\a_alYd\u0003[j]\\al",
"bbox": [
0.20724709986849607,
0.2693268640744732,
0.45414078492628007,
0.28062062854206576
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "approval process for mobile, tablet ",
"bbox": [
0.20724709986849607,
0.28598517445921134,
0.4517062615794724,
0.29710175768777936
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "or desktop that makes applying ",
"bbox": [
0.20724709986849607,
0.30258315124121965,
0.42151258478117226,
0.31382967777179116
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "for credit a quick, easy process. By ",
"bbox": [
0.20707835486872278,
0.3191812059736191,
0.44093001383058666,
0.33041588404473976
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "reducing the number of form fields ",
"bbox": [
0.20767661074105384,
0.3357791827556274,
0.4451762083948746,
0.34702567031100334
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Zq\u00030(\u001d$\u0003o]Ìn]\u0003eY\\]\u0003al\u0003]n]f\u0003]Yka]j&",
"bbox": [
0.2077839916222922,
0.3523193593226173,
0.4435315994085562,
0.3631641685125319
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Now, customers can apply and buy ",
"bbox": [
0.20786069044426306,
0.3689764225010975,
0.4468113533893035,
0.38021110057221824
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in just three simple steps. ",
"bbox": [
0.2077533095630247,
0.3855744382583014,
0.37738421742200456,
0.3968091163294221
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "BETTER",
"bbox": [
0.586489195056618,
0.24285304043941572,
0.6624328208404592,
0.2555299566471105
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "SyPIak\u0003Kqf[`jgfqÌk\u0003hYl]fl]\\\u0003aGK",
"bbox": [
0.5852607486655266,
0.2693268640744732,
0.8055947779818357,
0.28062062854206576
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and Android plug-in that lives ",
"bbox": [
0.5852454139620906,
0.28598517445921134,
0.7847677708462893,
0.2972317009897829
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "oal`af\u0003Y\u0003hYjlf]jÌk\u0003]paklaf_\u0003egZad]",
"bbox": [
0.5849846227845149,
0.30252406484474775,
0.808816229723777,
0.3134870858028017
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "app. Because SyPI integrates ",
"bbox": [
0.5852454139620906,
0.3191812059736191,
0.788711623765936,
0.3304277325041906
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "k]Yed]kkdq\u0003oal`\u0003gmj\u0003hYjlf]jÌk",
"bbox": [
0.5852760833689625,
0.3357200963591555,
0.7875412771753213,
0.3465649445242657
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "applications, customers can ",
"bbox": [
0.5852454139620906,
0.3523784067438937,
0.7828288165293324,
0.36349495099726614
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "securely access all of their credit ",
"bbox": [
0.5851534057414749,
0.3689764225010975,
0.8042925428197554,
0.38021110057221824
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and account management ",
"bbox": [
0.5852454139620906,
0.3855744382583014,
0.7719650142030732,
0.39682092581367734
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "functions, special promotions and ",
"bbox": [
0.5850766816147129,
0.4021736622465677,
0.8092135149448072,
0.41329020649994014
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "loyalty features in one place. ",
"bbox": [
0.585751661613806,
0.4187716780037716,
0.7794523982463982,
0.43000635607489224
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "TIMELIER",
"bbox": [
0.20716749099554313,
0.4634904142845027,
0.3056736277110541,
0.47616729151700193
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Sydneyak\u0003Kqf[`jgfqÌk\u0003afl]dda_]fl",
"bbox": [
0.207262434571932,
0.4899642379195602,
0.43919046126787936,
0.5012579634119572
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "virtual assistant, available 24/7. Built ",
"bbox": [
0.2068635931062461,
0.5063850334625439,
0.46687461131840796,
0.5163438585069444
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "on a machine learning and artificial ",
"bbox": [
0.20724709986849607,
0.5232193168552443,
0.45642940084732586,
0.5344658044106202
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "afl]dda_]f[]\u0003hdYl^gje$\u0003k`]Ìk\u0003Z]]f",
"bbox": [
0.20755389515637956,
0.5397594934222342,
0.4353509146973466,
0.550722436429897
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "answering questions for customers ",
"bbox": [
0.20724709986849607,
0.5564165566007144,
0.4538309530634588,
0.5676630441560904
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "since 2017—currently handling more ",
"bbox": [
0.20715505369069367,
0.5730145723579183,
0.46059279813497617,
0.5842610599132942
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "than half a million inquiries a month. ",
"bbox": [
0.20746184897857717,
0.5896125881151221,
0.4522753157228182,
0.6007291323684946
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Fgo$\u0003k`]Ìk\u0003Ydkg\u0003`]dhaf_\u0003gmj\u0003[mklge]j",
"bbox": [
0.20793738926623392,
0.6061527257069165,
0.4599869002157183,
0.6171156687145793
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "service representatives quickly find ",
"bbox": [
0.20715505369069367,
0.6228109971164592,
0.45205308904695274,
0.6340456751875798
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "the information they need to do their ",
"bbox": [
0.20746184897857717,
0.6394101821295298,
0.46146556038168535,
0.6506448602006505
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "bgZk\u0003egj]\u0003]÷a[a]fldq&\u0003Kq\\f]q\u0003d]Yjfk",
"bbox": [
0.20634203605588594,
0.6560093671426006,
0.4520515201499015,
0.6668187478797494
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "with every interaction and is making ",
"bbox": [
0.20687894046207764,
0.6726085911308669,
0.45648613418908063,
0.6838550786862428
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our teams smarter too.",
"bbox": [
0.20724709986849607,
0.6896803309025283,
0.3641642859919154,
0.6978080427966356
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "SMARTER",
"bbox": [
0.585583739019745,
0.4633115960872645,
0.6858125753070584,
0.4763282200994772
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "PRISMak\u0003Kqf[`jgfqÌk\u0003f]o\u0003]fl]jhjak]%",
"bbox": [
0.5858590045378576,
0.4899642379195602,
0.8298886427238806,
0.5008090471094748
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "wide credit platform, combining ",
"bbox": [
0.5848772798604633,
0.5066213010980404,
0.811592671408582,
0.5178677886534163
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "artificial intelligence, machine ",
"bbox": [
0.5852454139620906,
0.5232193168552443,
0.800288717545087,
0.5344658044106202
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "learning and data analytics to ",
"bbox": [
0.585751661613806,
0.5398185408435106,
0.79756445433963,
0.5510650283988865
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "give us a more holistic view of our ",
"bbox": [
0.5852607486655266,
0.5564165566007144,
0.8190249416167859,
0.5676630441560904
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "customers. We expect PRISM ",
"bbox": [
0.5852454139620906,
0.5730145723579183,
0.7922858242964863,
0.5841311166112907
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "to boost our approval rates and ",
"bbox": [
0.5854602010293584,
0.5896125881151221,
0.8075906680788765,
0.6007291323684946
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "reduce fraud, leading to higher sales ",
"bbox": [
0.5856749374870439,
0.6062117731281929,
0.8293457537345823,
0.6174582606835688
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and lower losses for our partners ",
"bbox": [
0.5852454139620906,
0.6228109971164592,
0.8180370425703514,
0.6339275413698315
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and ourselves. ",
"bbox": [
0.5852454139620906,
0.6394101821295298,
0.684610041022103,
0.6480222582664831
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "HERE ARE FOUR DIGITAL PRODUCTS AND CAPABILITIES THAT ARE DELIVERING ",
"bbox": [
0.14461027686275654,
0.17451853161418424,
0.8811339825935427,
0.18570620559945722
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "RADICALLY SIMPLE CUSTOMER EXPERIENCES:",
"bbox": [
0.14461027686275654,
0.19240362525443008,
0.564473065175425,
0.20359129923970307
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "SPOTLIGHTING ",
"bbox": [
0.14368575366575326,
0.07081457846922892,
0.5235912519110179,
0.09878395830838921
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "OUR TECHNOLOGY",
"bbox": [
0.14393449976274228,
0.10912875471443965,
0.5832876834901016,
0.13709813455359993
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Synchrony is going beyond digital transformation to create positive ",
"bbox": [
0.19036857642937655,
0.7993694125159643,
0.6928782803106861,
0.8106159000713402
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "experiences to meet the increasingly rapid pace of changing customer ",
"bbox": [
0.19035324172594062,
0.8159686170166327,
0.7196883016557836,
0.8272151045720088
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "expectations. Speed and ease of use are key, while creating personalized ",
"bbox": [
0.19035324172594062,
0.8325666327738366,
0.7355943872758602,
0.8438131300730115
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "experiences at every touchpoint are becoming ever more important.” ",
"bbox": [
0.19035324172594062,
0.8491646680186382,
0.7044571960348,
0.8604111555740143
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CAROL JUEL ",
"bbox": [
0.25012768797613494,
0.8749272040784892,
0.3333769334884821,
0.8833180082864384
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "EXECUTIVE VICE PRESIDENT AND CHIEF INFORMATION OFFICER",
"bbox": [
0.25063515025782546,
0.8889731824930904,
0.7050754933017206,
0.8973639867010397
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "5",
"bbox": [
0.9512504210717247,
0.9640855655207335,
0.9566716183081986,
0.9703971867664868
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "64175 Synchroy",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.08837479422143837,
1.0284827586791525
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.08934992067454071,
1.0260383147998484,
0.09038474745615996,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.0919170854103506,
1.0213486584971538,
0.10948922582724399,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "5 ",
"bbox": [
0.11867329611707089,
1.0215785439443772,
0.1234693131834318,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/13/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 104,
"label": "text",
"text": "64175 Synchroy . indd",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.10948922582724399,
1.0284827586791525
],
"data": []
},
{
"index_in_doc": 105,
"label": "text",
"text": "5",
"bbox": [
0.11867329611707089,
1.0215785439443772,
0.1234693131834318,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 106,
"label": "text",
"text": "3/13/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 107,
"label": "text",
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 108,
"label": "section_header",
"text": "SPOTLIGHTING OUR TECHNOLOGY",
"bbox": [
0.14211517384593958,
0.07019619801644317,
0.588168522216392,
0.13855424785979406
],
"data": []
},
{
"index_in_doc": 109,
"label": "text",
"text": "HERE ARE FOUR DIGITAL PRODUCTS AND CAPABILITIES THAT ARE DELIVERING RADICALLY SIMPLE CUSTOMER EXPERIENCES:",
"bbox": [
0.1424370760941387,
0.17303864343869732,
0.8811339825935427,
0.2044716709570562
],
"data": []
},
{
"index_in_doc": 110,
"label": "picture",
"text": "",
"bbox": [
0.1376687677740853,
0.23087455973619092,
0.19085423863349268,
0.2711318833313378
],
"data": []
},
{
"index_in_doc": 111,
"label": "picture",
"text": "",
"bbox": [
0.5231949788816335,
0.23070353657806514,
0.5721290803469631,
0.2679523648277858
],
"data": []
},
{
"index_in_doc": 112,
"label": "picture",
"text": "",
"bbox": [
0.14088692989317733,
0.4573162366299489,
0.18735528189942216,
0.4908829222541507
],
"data": []
},
{
"index_in_doc": 113,
"label": "section_header",
"text": "FASTER",
"bbox": [
0.2071293313704913,
0.24130260715996169,
0.29130910996773945,
0.25674146162595785
],
"data": []
},
{
"index_in_doc": 114,
"label": "text",
"text": "dApplyak Kqf['jgfqÌk \\a_alYd [j]\\al approval process for mobile, tablet or desktop that makes applying for credit a quick, easy process. By reducing the number of form fields Zq 0( $ o]Ìn] eY\\] al ]n]f ]Yka]j& Now, customers can apply and buy in just three simple steps.",
"bbox": [
0.20604085843163739,
0.26847096877993293,
0.45414078492628007,
0.3974828805351014
],
"data": []
},
{
"index_in_doc": 115,
"label": "section_header",
"text": "TIMELIER",
"bbox": [
0.20704413013869455,
0.46213259642151583,
0.30783437852242695,
0.47654196007193883
],
"data": []
},
{
"index_in_doc": 116,
"label": "text",
"text": "Sydneyak Kqf['jgfqÌk afl]dda_]fl virtual assistant, available 24/7. Built on a machine learning and artificial afl]dda_]f[] hdYl^gje$ k']Ìk Z]]f answering questions for customers since 2017-currently handling more than half a million inquiries a month. Fgo$ k']Ìk Ydkg ']dhaf_ gmj [mklge]j service representatives quickly find the information they need to do their bgZk egj] ]÷a[a]fldq& Kq\\f]q d]Yjfk with every interaction and is making our teams smarter too.",
"bbox": [
0.20545333179075326,
0.48926420443207214,
0.46687461131840796,
0.6992996625059866
],
"data": []
},
{
"index_in_doc": 117,
"label": "picture",
"text": "",
"bbox": [
0.1752819232086637,
0.7457816366339399,
0.24514292247259795,
0.7880569399545019
],
"data": []
},
{
"index_in_doc": 118,
"label": "text",
"text": "Synchrony is going beyond digital transformation to create positive experiences to meet the increasingly rapid pace of changing customer expectations. Speed and ease of use are key, while creating personalized experiences at every touchpoint are becoming ever more important.\"",
"bbox": [
0.18862143242932472,
0.7977846031140245,
0.7378363411620285,
0.86134823620091
],
"data": []
},
{
"index_in_doc": 119,
"label": "text",
"text": "CAROL JUEL EXECUTIVE VICE PRESIDENT AND CHIEF INFORMATION OFFICER",
"bbox": [
0.24852037825196932,
0.8745082889327905,
0.7073903755959784,
0.8980351980314096
],
"data": []
},
{
"index_in_doc": 120,
"label": "picture",
"text": "",
"bbox": [
0.5274361124876917,
0.45184567818087484,
0.5667378945927912,
0.4878120276206298
],
"data": []
},
{
"index_in_doc": 121,
"label": "section_header",
"text": "BETTER",
"bbox": [
0.585348809338723,
0.2416443416746488,
0.6643659550554519,
0.25627352542804116
],
"data": []
},
{
"index_in_doc": 122,
"label": "text",
"text": "SyPIak Kqf['jgfqÌk hYl]fl]\\ aGK and Android plug-in that lives oal'af Y hYjlf]jÌk ]paklaf_ egZad] app. Because SyPI integrates k]Yed]kkdq oal' gmj hYjlf]jÌk applications, customers can securely access all of their credit and account management functions, special promotions and loyalty features in one place.",
"bbox": [
0.5837099698447865,
0.26871144573655015,
0.8093422657221704,
0.4303579513140565
],
"data": []
},
{
"index_in_doc": 123,
"label": "section_header",
"text": "SMARTER",
"bbox": [
0.5847865368794051,
0.4620525413698316,
0.6871273616455483,
0.4764304910126317
],
"data": []
},
{
"index_in_doc": 124,
"label": "text",
"text": "PRISMak Kqf['jgfqÌk f]o ]fl]jhjak]% wide credit platform, combining artificial intelligence, machine learning and data analytics to give us a more holistic view of our customers. We expect PRISM to boost our approval rates and reduce fraud, leading to higher sales and lower losses for our partners and ourselves.",
"bbox": [
0.5836796547049907,
0.48943152494661957,
0.8312612758149357,
0.6489469837563857
],
"data": []
},
{
"index_in_doc": 125,
"label": "picture",
"text": "",
"bbox": [
0.7164568798261298,
0.7087707909283205,
0.9998452358973362,
0.9383317306732918
],
"data": []
},
{
"index_in_doc": 126,
"label": "page_footer",
"text": "5",
"bbox": [
0.9500151423870232,
0.9629160368275064,
0.9566716183081986,
0.9706662544649984
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 7
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-8 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | CHANGING WHAT'S POSSIBLE OUR VISION: To build a future where every ambition is within reach. OUR MISSION: We create financial and technology solutions to move our customers and partners forward. OUR VALUES: Honest. Passionate. Caring. Responsible. Bold. Driven. 6 64175 Synchroy . indd 6 3/13/20 4:25 PM LIVING OUR VALUES Honest. Passionate. Caring. Responsible. Bold. Driven. We have worked hard to build a successful company-and a caring one too. We have achieved both, thanks in large e]Ykmj] lg gmj [gehYfqÌk nYdm]k Yf\ l'] kljgf_ [mdlmj] they underpin. It is this strength that powers our leadership in diversity and inclusion, our focus on innovation and our intense spirit of volunteerism and community engagement. In 2019, Synchrony again put caring into action-extending a helping hand to the communities in which we live and work. In total, more than 6,500 Synchrony volunteers donated nearly 50,000 hours of their time to give back to our communities. Our strong culture is the force behind our global diversity networks. More than 10,000 employees now participate in these eight groups. They play a vital role in promoting diversity, inclusion and belonging throughout the company. In addition, Synchrony continues to create an environment where employees can be l']ek]dn]k$ 'Yn] l']aj nga[]k ']Yj\ Yf\ l'jan]& AÌe hjgm\ lg kYq in 2019, Synchrony was once again named one of the Fortune 100 Best Companies to Work For® and was certified as a Great Place to Work.® In 2019, we continued to concentrate on employee development and enrichment. We invested in training and development to ensure our people have the skills that matter in the digital economy. We also implemented new work methods across the company that foster speed and collaboration. To support continuing education, we expanded our tuition reimbursement programs to cover degrees in education and healthcare, responding to increasing demand for these skills in the communities in which we operate. Since 2015, we have paid out more than $12 million in tuition reimbursement to employees. We have also increased starting salaries for our hourly workers in the U.S. to at least $15 an hour and made our employees owners of the company with a special stock award as part of our five-year IPO anniversary celebration. L']k] Yf\ gl']j ]ehdgq]] hjg_jYek j]^d][l Kqf['jgfqÌk [gflafm]\ commitment to create an inclusive, fair and caring workplace and a workforce dedicated to the success of our partners, customers and our company. You can read about our diversity and inclusion programs, and how Synchrony and our employees are giving back in our 2019 Corporate Social Responsibility Report available at synchronyannualreport.com. CONTINUOUS PROGRESS During the five years since our IPO, Synchrony has made substantial investments in technology, data analytics, marketing, credit decisioning and talent development. In the year ahead, we will continue investing in the technology and systems that enable mk lg Zmad\ af\mkljq%d]Y\af_ hYjlf]j hjg_jYek& Lg \]dan]j$ o]Ìn] | [
{
"text": "LIVING OUR VALUES",
"bbox": [
0.4049999939268501,
0.08036778865341634,
0.5768900755823746,
0.09063728498164113
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Honest. Passionate. Caring. Responsible. Bold. Driven. ",
"bbox": [
0.40476202767089037,
0.10226241656190134,
0.823440627672186,
0.11354441052043422
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We have worked hard to build a successful company—and ",
"bbox": [
0.40379561239214085,
0.12462544837064975,
0.810404358416252,
0.13588374541028098
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "a caring one too. We have achieved both, thanks in large ",
"bbox": [
0.40417910650199523,
0.14122350310304918,
0.8000069233908582,
0.15249364860213122
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "e]Ykmj]\u0003lg\u0003gmj\u0003[gehYfqÌk\u0003nYdm]k\u0003Yf\\\u0003l`]\u0003kljgf_\u0003[mdlmj]",
"bbox": [
0.4046546594420476,
0.15778725966335408,
0.7988381456972947,
0.16875028062140804
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "they underpin. It is this strength that powers our leadership ",
"bbox": [
0.40433250414593697,
0.17442070387332376,
0.8149324989635157,
0.18569084937240582
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in diversity and inclusion, our focus on innovation and our ",
"bbox": [
0.40468532884891945,
0.19101875860572318,
0.8067213978933457,
0.20227705564535442
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "intense spirit of volunteerism and community engagement. ",
"bbox": [
0.40468532884891945,
0.20761673538773148,
0.8142208776268398,
0.21888688088681355
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "In 2019, Synchrony again put caring into action—extending a ",
"bbox": [
0.40483872649286123,
0.22996799668742018,
0.8315552162689158,
0.24123814218650225
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "helping hand to the communities in which we live and work. In ",
"bbox": [
0.4045932953235126,
0.24656714272529534,
0.8339499604840381,
0.2578372882243774
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "total, more than 6,500 Synchrony volunteers donated nearly ",
"bbox": [
0.40433250414593697,
0.26316636671356164,
0.8271467167742019,
0.27442466375319285
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "50,000 hours of their time to give back to our communities. Our ",
"bbox": [
0.4047466929674544,
0.2797655907018279,
0.8349148827801098,
0.29103573620090994
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "strong culture is the force behind our global diversity networks. ",
"bbox": [
0.40404104356148945,
0.2963635674838362,
0.8370300596626243,
0.30763371298291825
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "More than 10,000 employees now participate in these eight ",
"bbox": [
0.40476202767089037,
0.31298641044061304,
0.8252872195014511,
0.32423293697118455
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "groups. They play a vital role in promoting diversity, inclusion ",
"bbox": [
0.4041484370951233,
0.32956084620450193,
0.8335448813873342,
0.340830991703584
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and belonging throughout the company. In addition, Synchrony ",
"bbox": [
0.40417910650199523,
0.34615886196170575,
0.8385733482651845,
0.35742896848559225
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "continues to create an environment where employees can be ",
"bbox": [
0.4041177423834603,
0.3627580469747765,
0.830605780505027,
0.37401634401440775
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "l`]ek]dn]k$\u0003`Yn]\u0003l`]aj\u0003nga[]k\u0003`]Yj\\\u0003Yf\\\u0003l`jan]&\u0003AÌe\u0003hjgm\\\u0003lg\u0003kYq",
"bbox": [
0.40362688004476316,
0.3793206732544101,
0.8368888589280161,
0.3901654824443247
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in 2019, Synchrony was once again named one of the Fortune 100 ",
"bbox": [
0.4046853541537106,
0.3959541174643798,
0.8421658694645263,
0.4072242239882663
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Best Companies to Work For® and was certified as a Great Place ",
"bbox": [
0.40476205297568146,
0.41251670476881785,
0.834976272203436,
0.4236922964434666
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "to Work.®",
"bbox": [
0.4043325294507281,
0.42911592875708415,
0.4717455305665682,
0.4377870523153137
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "In 2019, we continued to concentrate on employee development ",
"bbox": [
0.4048387517976524,
0.4515025405591475,
0.8433534233131219,
0.46276083759877873
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and enrichment. We invested in training and development to ensure ",
"bbox": [
0.4041791318067864,
0.46810059529154696,
0.856579326673922,
0.47937070181543345
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our people have the skills that matter in the digital economy. We ",
"bbox": [
0.4041177676882515,
0.4846986110487508,
0.8414231232347378,
0.4959687175726373
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "also implemented new work methods across the company that ",
"bbox": [
0.4041791318067864,
0.5012966268059547,
0.8425585998231498,
0.5125549238455859
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "foster speed and collaboration. To support continuing education, ",
"bbox": [
0.4041484623999145,
0.517895850794221,
0.8397006767108468,
0.5291659573181074
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "we expanded our tuition reimbursement programs to cover degrees ",
"bbox": [
0.40374960828183304,
0.5344938275762292,
0.864113069094631,
0.5457639341001157
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in education and healthcare, responding to increasing demand ",
"bbox": [
0.4046853541537106,
0.5510918433334331,
0.8363676308399409,
0.5623619498573196
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "for these skills in the communities in which we operate. Since 2015, ",
"bbox": [
0.4041484623999145,
0.5677134780591475,
0.8575243087945689,
0.57883002231252
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "we have paid out more than $12 million in tuition reimbursement ",
"bbox": [
0.40374960828183304,
0.5839464911099138,
0.8398171799692942,
0.5954292463007862
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "to employees. ",
"bbox": [
0.4043325294507281,
0.6009107178046177,
0.49868253135364843,
0.6121453958757384
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We have also increased starting salaries for our hourly workers ",
"bbox": [
0.403795637696932,
0.6232382821854047,
0.8428604353719683,
0.6345083887092912
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in the U.S. to at least $15 an hour and made our employees owners ",
"bbox": [
0.4046853541537106,
0.6394937059736191,
0.8579091440583541,
0.6510945949822398
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "of the company with a special stock award as part of our five-year ",
"bbox": [
0.4041177676882515,
0.6564342747246169,
0.8553231968413143,
0.6676925717642481
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "IPO anniversary celebration. ",
"bbox": [
0.4048387517976524,
0.6730334987128831,
0.5983248531917237,
0.6842917957525144
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "L`]k]\u0003Yf\\\u0003gl`]j\u0003]ehdgq]]\u0003hjg_jYek\u0003j]^d][l\u0003Kqf[`jgfqÌk\u0003[gflafm]\\",
"bbox": [
0.4038876712223388,
0.6953481038411459,
0.8515153318692993,
0.7063110663364065
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "commitment to create an inclusive, fair and caring workplace and ",
"bbox": [
0.4041177676882515,
0.7119827757697758,
0.8532431430089138,
0.7232528822936622
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "a workforce dedicated to the success of our partners, customers ",
"bbox": [
0.4041791318067864,
0.728580752551784,
0.8480412877021144,
0.7397209157736669
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and our company. You can read about our diversity and inclusion ",
"bbox": [
0.4041791318067864,
0.7451787683089879,
0.8476332226400549,
0.7564370653486191
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "programs, and how Synchrony and our employees are giving back ",
"bbox": [
0.4045933206283038,
0.7617767450909961,
0.8564471344449627,
0.7730468516148826
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in our 2019 Corporate Social Responsibility Report available at ",
"bbox": [
0.4046853541537106,
0.7783641595950072,
0.840492463625881,
0.7896342661188936
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "synchronyannualreport.com.",
"bbox": [
0.40404106886628055,
0.7949976427801724,
0.6061129087634743,
0.8062323208512931
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CONTINUOUS PROGRESS",
"bbox": [
0.4043615287413842,
0.8260638552455001,
0.6215996433846394,
0.836333332086127
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "During the five years since our IPO, Synchrony has made substantial ",
"bbox": [
0.40476202767089037,
0.8479703023820392,
0.8577268483429208,
0.8592404186497247
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "investments in technology, data analytics, marketing, credit ",
"bbox": [
0.40468532884891945,
0.8645683278830419,
0.8325847163919984,
0.8758384441507274
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "decisioning and talent development. In the year ahead, we will ",
"bbox": [
0.4041177423834603,
0.8811663436402458,
0.8433918865956676,
0.8924364599079312
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "continue investing in the technology and systems that enable ",
"bbox": [
0.4041177423834603,
0.8977655481409144,
0.8368396664140236,
0.9090356644085997
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "mk\u0003lg\u0003Zmad\\\u0003af\\mkljq%d]Y\\af_\u0003hYjlf]j\u0003hjg_jYek&\u0003Lg\u0003\\]dan]j$\u0003o]Ìn]",
"bbox": [
0.40462396473038453,
0.9143281257015535,
0.8462861473880597,
0.9252910881968142
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CHANGING ",
"bbox": [
0.09082576568249248,
0.4584865838022829,
0.27282350454757465,
0.4748244011539152
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "WHAT’S ",
"bbox": [
0.08998803159293053,
0.4828189932675806,
0.21660554547412675,
0.49908973430765086
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "POSSIBLE ",
"bbox": [
0.09187293487599438,
0.5070910301549529,
0.24314376805749896,
0.5233617711950231
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "OUR VISION: ",
"bbox": [
0.09051078429467248,
0.563938691393778,
0.23546535814579447,
0.5769553154059905
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "To build a future ",
"bbox": [
0.08993698550298637,
0.5865351456487468,
0.2456631636738184,
0.598671787695562
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "where every ambition ",
"bbox": [
0.0897645143727165,
0.6082516179383182,
0.2974734836154514,
0.624074066279035
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "is within reach. ",
"bbox": [
0.09107960436870012,
0.6300012970945083,
0.2352890596658634,
0.6421047322747047
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "OUR MISSION: ",
"bbox": [
0.09051078429467248,
0.6827126377539312,
0.253495882201946,
0.695729242278546
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We create financial ",
"bbox": [
0.08982919341889187,
0.7053422599003233,
0.277563851073409,
0.7174457145681175
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and technology ",
"bbox": [
0.09036816016556216,
0.7270255253232759,
0.24248323709415165,
0.7428646160724977
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "solutions to move ",
"bbox": [
0.09017413567943162,
0.748775204479466,
0.26006234898100644,
0.7608786591472602
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our customers and ",
"bbox": [
0.09028192776352612,
0.7704584699024186,
0.2721655546729244,
0.7825951314368315
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "partners forward.",
"bbox": [
0.09095025260254716,
0.7921749616795877,
0.2534006855776456,
0.8078314146624062
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "OUR VALUES:",
"bbox": [
0.09051078429467248,
0.8449093171919899,
0.22869518779798922,
0.8579259217166048
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Honest. Passionate. ",
"bbox": [
0.09118739645279463,
0.8675389490821809,
0.2831907003475461,
0.8796423940061762
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Caring. Responsible. ",
"bbox": [
0.09043283921173753,
0.8892056110718242,
0.28927463006419724,
0.9050612955105564
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Bold. Driven. ",
"bbox": [
0.09118739645279463,
0.9109386965385038,
0.21351243963289024,
0.9230753483291178
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "6",
"bbox": [
0.04580596746694587,
0.9640766255852515,
0.05310779147677951,
0.9703971867664868
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "64175 Synchroy",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.08837479422143837,
1.0284827586791525
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.08934992067454071,
1.0260383147998484,
0.09038474745615996,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.0919170854103506,
1.0213486584971538,
0.10948922582724399,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "6 ",
"bbox": [
0.11873299011939002,
1.0214636012207654,
0.12350911761990827,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/13/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 127,
"label": "section_header",
"text": "CHANGING WHAT'S POSSIBLE",
"bbox": [
0.08791641690837804,
0.4575983780706218,
0.27282350454757465,
0.5241789641203703
],
"data": []
},
{
"index_in_doc": 128,
"label": "section_header",
"text": "OUR VISION:",
"bbox": [
0.08888370520242213,
0.5633131784802043,
0.23546535814579447,
0.5777377424568966
],
"data": []
},
{
"index_in_doc": 129,
"label": "text",
"text": "To build a future where every ambition is within reach.",
"bbox": [
0.08781209790686866,
0.5851806406773826,
0.2974734836154514,
0.6427943593849776
],
"data": []
},
{
"index_in_doc": 130,
"label": "section_header",
"text": "OUR MISSION:",
"bbox": [
0.0887056733442974,
0.6814140232130029,
0.253495882201946,
0.6963296746537755
],
"data": []
},
{
"index_in_doc": 131,
"label": "text",
"text": "We create financial and technology solutions to move our customers and partners forward.",
"bbox": [
0.0881379097453002,
0.7042453809716236,
0.277563851073409,
0.8082290201199314
],
"data": []
},
{
"index_in_doc": 132,
"label": "section_header",
"text": "OUR VALUES:",
"bbox": [
0.08895626669104024,
0.8439848645284562,
0.22937209096120958,
0.8586216874201787
],
"data": []
},
{
"index_in_doc": 133,
"label": "text",
"text": "Honest. Passionate. Caring. Responsible. Bold. Driven.",
"bbox": [
0.08869518450836637,
0.8646631545338442,
0.28927463006419724,
0.9240230789282008
],
"data": []
},
{
"index_in_doc": 134,
"label": "page_footer",
"text": "6",
"bbox": [
0.04384295145670573,
0.9631336743195242,
0.05310779147677951,
0.9709855392670418
],
"data": []
},
{
"index_in_doc": 135,
"label": "text",
"text": "64175 Synchroy . indd",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.10948922582724399,
1.0284827586791525
],
"data": []
},
{
"index_in_doc": 136,
"label": "text",
"text": "6",
"bbox": [
0.11873299011939002,
1.0214636012207654,
0.12350911761990827,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 137,
"label": "text",
"text": "3/13/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 138,
"label": "text",
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 139,
"label": "section_header",
"text": "LIVING OUR VALUES",
"bbox": [
0.40182130728194965,
0.0789739577097302,
0.5769519711015236,
0.09085952154673531
],
"data": []
},
{
"index_in_doc": 140,
"label": "section_header",
"text": "Honest. Passionate. Caring. Responsible. Bold. Driven.",
"bbox": [
0.4021632762295294,
0.10042847770992976,
0.8245631482075301,
0.11369485477530332
],
"data": []
},
{
"index_in_doc": 141,
"label": "text",
"text": "We have worked hard to build a successful company-and a caring one too. We have achieved both, thanks in large e]Ykmj] lg gmj [gehYfqÌk nYdm]k Yf\\ l'] kljgf_ [mdlmj] they underpin. It is this strength that powers our leadership in diversity and inclusion, our focus on innovation and our intense spirit of volunteerism and community engagement.",
"bbox": [
0.4020704076460147,
0.12282580769077267,
0.8159035450190454,
0.21925831450051883
],
"data": []
},
{
"index_in_doc": 142,
"label": "text",
"text": "In 2019, Synchrony again put caring into action-extending a helping hand to the communities in which we live and work. In total, more than 6,500 Synchrony volunteers donated nearly 50,000 hours of their time to give back to our communities. Our strong culture is the force behind our global diversity networks. More than 10,000 employees now participate in these eight groups. They play a vital role in promoting diversity, inclusion and belonging throughout the company. In addition, Synchrony continues to create an environment where employees can be l']ek]dn]k$ 'Yn] l']aj nga[]k ']Yj\\ Yf\\ l'jan]& AÌe hjgm\\ lg kYq in 2019, Synchrony was once again named one of the Fortune 100 Best Companies to Work For® and was certified as a Great Place to Work.®",
"bbox": [
0.4021157032221704,
0.22865905371966794,
0.8421658694645263,
0.438826403855364
],
"data": []
},
{
"index_in_doc": 143,
"label": "text",
"text": "In 2019, we continued to concentrate on employee development and enrichment. We invested in training and development to ensure our people have the skills that matter in the digital economy. We also implemented new work methods across the company that foster speed and collaboration. To support continuing education, we expanded our tuition reimbursement programs to cover degrees in education and healthcare, responding to increasing demand for these skills in the communities in which we operate. Since 2015, we have paid out more than $12 million in tuition reimbursement to employees.",
"bbox": [
0.4019988203918558,
0.45010913834261257,
0.864113069094631,
0.6126218286662876
],
"data": []
},
{
"index_in_doc": 144,
"label": "text",
"text": "We have also increased starting salaries for our hourly workers in the U.S. to at least $15 an hour and made our employees owners of the company with a special stock award as part of our five-year IPO anniversary celebration.",
"bbox": [
0.4018898073515884,
0.6216535117586606,
0.8579091440583541,
0.684328042684387
],
"data": []
},
{
"index_in_doc": 145,
"label": "text",
"text": "L']k] Yf\\ gl']j ]ehdgq]] hjg_jYek j]^d][l Kqf['jgfqÌk [gflafm]\\ commitment to create an inclusive, fair and caring workplace and a workforce dedicated to the success of our partners, customers and our company. You can read about our diversity and inclusion programs, and how Synchrony and our employees are giving back in our 2019 Corporate Social Responsibility Report available at synchronyannualreport.com.",
"bbox": [
0.40198085399014044,
0.6941819854775303,
0.8564471344449627,
0.806895444828584
],
"data": []
},
{
"index_in_doc": 146,
"label": "section_header",
"text": "CONTINUOUS PROGRESS",
"bbox": [
0.40248171172134123,
0.8256935714000638,
0.6215996433846394,
0.8372907967403017
],
"data": []
},
{
"index_in_doc": 147,
"label": "text",
"text": "During the five years since our IPO, Synchrony has made substantial investments in technology, data analytics, marketing, credit decisioning and talent development. In the year ahead, we will continue investing in the technology and systems that enable mk lg Zmad\\ af\\mkljq%d]Y\\af_ hYjlf]j hjg_jYek& Lg \\]dan]j$ o]Ìn]",
"bbox": [
0.4022600923604633,
0.8464293108437101,
0.8584218191270211,
0.925541474596903
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 8
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-9 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | 64175 Synchroy . indd 7 3/13/20 4:25 PM ^Ykl%ljY[c]\ 'go o] ogjc& O]Ìn] ]phYf\]\ gmj cross-functional, team-based Agile approach Z]qgf\ gmj kgøoYj] \]n]dghe]fl l]Yek& Using these methods, we are driving new levels of speed-adopting a continuous, iterative approach to our work across Synchrony. We continue to deliver on our strategy to drive Kqf['jgfqÌk _jgol' Yf\ \an]jka^a[Ylagf& O] oadd continue to expand our current partnerships and add new ones; continue to extend Payment Solutions and CareCredit into new markets; continue to enhance the customer experiences o] g÷]j3 Yf\ [gflafm] lg c]]h gmj ZYdYf[] sheet strong. Lg l'] ]flaj] Kqf['jgfq l]Ye$ l'Yfc qgm& QgmÌn] helped make 2019 a year we can all be proud of. In addition to being our most valued asset, as o] []d]ZjYl]\ l'] ^aø' Yffan]jkYjq g^ gmj AHG on July 31, 2019, you also became shareholders. I also want to thank our board of directors for l']aj [gfljaZmlagfk Yf\ \]\a[Ylagf lg Kqf['jgfqÌk success. In 2019, we welcomed two new independent directors to our board, Ellen Zane and Fernando Aguirre. By every measure- expertise, experience, ideas, ethnicity and gender-Synchrony continues to have one of the most diverse boards of any public company. Qgm [Yf j]Y\ egj] ^jge Kqf['jgfqÌk ZgYj\ g^ directors in our first annual letter to Synchrony shareholders within this report. To our partners, customers and communities, our deep appreciation for your help in making 2019 another standout year. And to you, our shareholders: A sincere thank you for investing and believing in us. Your continued support keeps us moving forward. Without question, we are proud of the progress Synchrony has made over the last five-plus years. The diversification of our business, our thinking and our people are evident in all facets of our company and our work. But in everything we do, we never stop asking ourselves how we can do it better. L'YlÌk o'Yl Changing What's Possible is all about. Sincerely, Margaret Keane ;'a]^ =p][mlan] G÷a[]j For more than 30 years, CareCredit has helped people care for themselves and their families, including their pets. With our expansion in 2019 from "vet to pet," o] Yj] fgo hjgna\af_ h]Y[] g^ eaf\ Zq g÷]jaf_ h]l insurance through Pets Best and flexible options to pay for pet care through CareCredit. 7 | [
{
"text": "For more than 30 years, CareCredit has helped people ",
"bbox": [
0.5272222363929052,
0.5763106656713961,
0.8690571191892102,
0.5869604040075231
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "care for themselves and their families, including their ",
"bbox": [
0.526685319334318,
0.5897429601442769,
0.86880305908608,
0.6003815515744731
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "pets. With our expansion in 2019 from “vet to pet,” ",
"bbox": [
0.5270480888202218,
0.6031529218301006,
0.8509577154915526,
0.6136685854934946
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "o]\u0003Yj]\u0003fgo\u0003hjgna\\af_\u0003h]Y[]\u0003g^\u0003eaf\\\u0003Zq\u0003g÷]jaf_\u0003h]l\u0003",
"bbox": [
0.5270771387204602,
0.6165628835159244,
0.8635182040643139,
0.6268773961950231
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "insurance through Pets Best and flexible options to ",
"bbox": [
0.5271206629612355,
0.6299728452017481,
0.8586917706389925,
0.6406114366319444
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "pay for pet care through CareCredit.",
"bbox": [
0.5270480888202218,
0.6433604741005149,
0.7614304778192371,
0.6540213983177682
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "^Ykl%ljY[c]\\\u0003`go\u0003o]\u0003ogjc&\u0003O]Ìn]\u0003]phYf\\]\\\u0003gmj",
"bbox": [
0.16246732392319005,
0.07927001329521871,
0.4878878111072243,
0.09011486146032886
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "cross-functional, team-based Agile approach ",
"bbox": [
0.1629428642108468,
0.09592715442409004,
0.47299573907804726,
0.10717368095466155
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Z]qgf\\\u0003gmj\u0003kgøoYj]\u0003\\]n]dghe]fl\u0003l]Yek&",
"bbox": [
0.16349510332047446,
0.11252513120609833,
0.4520352744739842,
0.12331089297473659
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Using these methods, we are driving new levels ",
"bbox": [
0.1634337518543351,
0.12912318593849775,
0.48794004019615467,
0.1403697124690693
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "of speed—adopting a continuous, iterative ",
"bbox": [
0.1629428642108468,
0.14572116272050606,
0.4588031926953773,
0.1569676892510776
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "approach to our work across Synchrony. ",
"bbox": [
0.16292752950741085,
0.16231921745290548,
0.4414767997577218,
0.17355389552402617
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We continue to deliver on our strategy to drive ",
"bbox": [
0.1625900521602599,
0.18467040080220307,
0.4745559312810945,
0.19591692733277458
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Kqf[`jgfqÌk\u0003_jgol`\u0003Yf\\\u0003\\an]jka^a[Ylagf&\u0003O]\u0003oadd",
"bbox": [
0.1630349103886492,
0.2012093691381306,
0.48138382185750933,
0.21217239009618455
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "continue to expand our current partnerships ",
"bbox": [
0.1629428642108468,
0.2178664323166108,
0.46421214241293535,
0.2289830155451788
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and add new ones; continue to extend Payment ",
"bbox": [
0.16292752950741085,
0.23446565630487706,
0.4871729507572813,
0.24570033437599775
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Solutions and CareCredit into new markets; ",
"bbox": [
0.1629428642108468,
0.251040092068766,
0.4641433133810116,
0.260786229470985
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "continue to enhance the customer experiences ",
"bbox": [
0.1629428642108468,
0.2676616878192848,
0.48439499078500725,
0.2787782710478528
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "o]\u0003g÷]j3\u0003Yf\\\u0003[gflafm]\u0003lg\u0003c]]h\u0003gmj\u0003ZYdYf[]",
"bbox": [
0.16269743304149825,
0.2842609118075511,
0.4543408952146818,
0.29504667357618936
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "sheet strong.",
"bbox": [
0.16285083068543998,
0.3008588885895594,
0.25038680903749483,
0.3121054151201309
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Lg\u0003l`]\u0003]flaj]\u0003Kqf[`jgfq\u0003l]Ye$\u0003l`Yfc\u0003qgm&\u0003QgmÌn]",
"bbox": [
0.16272810244837013,
0.32315106349277617,
0.4833839631594631,
0.33399591165788634
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "helped make 2019 a year we can all be proud of. ",
"bbox": [
0.16332637097309677,
0.33980812667125637,
0.4837002730488184,
0.3510428047423771
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "In addition to being our most valued asset, as ",
"bbox": [
0.16357180214244532,
0.3564061814036558,
0.47619127871385264,
0.36765266895903176
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "o]\u0003[]d]ZjYl]\\\u0003l`]\u0003^aø`\u0003Yffan]jkYjq\u0003g^\u0003gmj\u0003AHG",
"bbox": [
0.16269743304149825,
0.3730054053919221,
0.47463559076362977,
0.38379116716056033
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "on July 31, 2019, you also became shareholders. ",
"bbox": [
0.1629428642108468,
0.38960342114912594,
0.4850714384619869,
0.40083809922024666
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "I also want to thank our board of directors for ",
"bbox": [
0.16357180214244532,
0.4119546434736191,
0.47074082913881116,
0.4205667196105723
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "l`]aj\u0003[gfljaZmlagfk\u0003Yf\\\u0003\\]\\a[Ylagf\u0003lg\u0003Kqf[`jgfqÌk",
"bbox": [
0.16246732392319005,
0.4284936118095466,
0.48698270933742743,
0.4393384209994612
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "success. In 2019, we welcomed two new ",
"bbox": [
0.16285083068543998,
0.4451506749880268,
0.44737058927368367,
0.4548732323969309
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "independent directors to our board, Ellen Zane ",
"bbox": [
0.16340306979506763,
0.4617498989762931,
0.4789876099645004,
0.47286644322966553
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and Fernando Aguirre. By every measure—",
"bbox": [
0.16292752950741085,
0.4783478757583014,
0.46111190062059493,
0.48959436331367734
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "expertise, experience, ideas, ethnicity and ",
"bbox": [
0.1629428642108468,
0.4949458915155053,
0.45971922613495025,
0.5061805695866259
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "gender—Synchrony continues to have one of ",
"bbox": [
0.1629428642108468,
0.5115439072727092,
0.4689385206940558,
0.5227903948280851
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "the most diverse boards of any public company. ",
"bbox": [
0.16311160921062007,
0.5281431312609755,
0.4877575420423922,
0.5393778093320961
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Qgm\u0003[Yf\u0003j]Y\\\u0003egj]\u0003^jge\u0003Kqf[`jgfqÌk\u0003ZgYj\\\u0003g^",
"bbox": [
0.16242130716048664,
0.544682099596903,
0.4738640982910966,
0.5555269087868175
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "directors in our first annual letter to Synchrony ",
"bbox": [
0.1629428642108468,
0.5613391238001876,
0.47781559325767,
0.5725738018713082
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "shareholders within this report.",
"bbox": [
0.16285083068543998,
0.5779371395573915,
0.3729224513419232,
0.5890536838107638
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "To our partners, customers and communities, ",
"bbox": [
0.16268208568566672,
0.600288322906689,
0.4781576634244144,
0.6114048671600615
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "our deep appreciation for your help in making ",
"bbox": [
0.1629428642108468,
0.6168875468949553,
0.47838930348258707,
0.6281340344503312
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "2019 another standout year. ",
"bbox": [
0.16326500685456183,
0.6334855626521592,
0.35616040585645986,
0.6447202407232798
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "And to you, our shareholders: A sincere thank ",
"bbox": [
0.16252868804172496,
0.6558367460014567,
0.47171946663168535,
0.6670714240725775
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "you for investing and believing in us. Your ",
"bbox": [
0.16260538686369586,
0.6724347617586606,
0.45227607486655264,
0.6836812493140365
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "continued support keeps us moving forward.",
"bbox": [
0.1629428642108468,
0.6890327775158644,
0.47192959761738185,
0.7002792650712404
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Without question, we are proud of the progress ",
"bbox": [
0.1625900521602599,
0.7113839608651621,
0.4829791877202529,
0.722630448420538
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Synchrony has made over the last five-plus ",
"bbox": [
0.1629428642108468,
0.7279831848534283,
0.4637964859135313,
0.739217862924549
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "years. The diversification of our business, our ",
"bbox": [
0.16260538686369586,
0.7445812006106322,
0.47817147984038144,
0.7558158786817529
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "thinking and our people are evident in all facets ",
"bbox": [
0.16311160921062007,
0.7611791773926405,
0.4926494136576233,
0.7724256649480165
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "of our company and our work. But in everything ",
"bbox": [
0.1629428642108468,
0.7777772321250399,
0.48241291710393347,
0.7890237196804158
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "we do, we never stop asking ourselves how we ",
"bbox": [
0.16257470480442837,
0.7943764561133062,
0.48259101222403605,
0.8056229436686821
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "can do it better. ",
"bbox": [
0.1629428642108468,
0.8109744328953145,
0.27074909368360023,
0.8195865090322677
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "L`YlÌk\u0003o`Yl Changing What’s Possible is all about.",
"bbox": [
0.16272810244837013,
0.833266549335738,
0.4918532237089293,
0.8445721135437869
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Sincerely,",
"bbox": [
0.16294288951563796,
0.8614170761400712,
0.2268001119888837,
0.8726517542111919
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Margaret Keane ",
"bbox": [
0.1635104759810971,
0.9259556737439386,
0.2714424702658582,
0.9370840274815663
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ";`a]^\u0003=p][mlan]\u0003G÷a[]j",
"bbox": [
0.16311163451541122,
0.9424355167081986,
0.31896107232392723,
0.9510830261698171
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "7",
"bbox": [
0.9516566135792393,
0.9640855655207335,
0.9563116829589035,
0.9703167273471487
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "64175 Synchroy",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.08837479422143837,
1.0284827586791525
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.08934992067454071,
1.0260383147998484,
0.09038474745615996,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.0919170854103506,
1.0213486584971538,
0.10948922582724399,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "7 ",
"bbox": [
0.1187230453364687,
1.0215785439443772,
0.12355886683930607,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/13/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 148,
"label": "text",
"text": "64175 Synchroy . indd",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.10948922582724399,
1.0284827586791525
],
"data": []
},
{
"index_in_doc": 149,
"label": "text",
"text": "7",
"bbox": [
0.1187230453364687,
1.0215785439443772,
0.12355886683930607,
1.0268505749270072
],
"data": []
},
{
"index_in_doc": 150,
"label": "text",
"text": "3/13/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 151,
"label": "text",
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 152,
"label": "text",
"text": "^Ykl%ljY[c]\\ 'go o] ogjc& O]Ìn] ]phYf\\]\\ gmj cross-functional, team-based Agile approach Z]qgf\\ gmj kgøoYj] \\]n]dghe]fl l]Yek& Using these methods, we are driving new levels of speed-adopting a continuous, iterative approach to our work across Synchrony.",
"bbox": [
0.16111888221247278,
0.07802249523567209,
0.4902011751140133,
0.17461526804956898
],
"data": []
},
{
"index_in_doc": 153,
"label": "text",
"text": "We continue to deliver on our strategy to drive Kqf['jgfqÌk _jgol' Yf\\ \\an]jka^a[Ylagf& O] oadd continue to expand our current partnerships and add new ones; continue to extend Payment Solutions and CareCredit into new markets; continue to enhance the customer experiences o] g÷]j3 Yf\\ [gflafm] lg c]]h gmj ZYdYf[] sheet strong.",
"bbox": [
0.1610329724465239,
0.18329878571998723,
0.4871729507572813,
0.31225788608516925
],
"data": []
},
{
"index_in_doc": 154,
"label": "text",
"text": "Lg l'] ]flaj] Kqf['jgfq l]Ye$ l'Yfc qgm& QgmÌn] helped make 2019 a year we can all be proud of. In addition to being our most valued asset, as o] []d]ZjYl]\\ l'] ^aø' Yffan]jkYjq g^ gmj AHG on July 31, 2019, you also became shareholders.",
"bbox": [
0.16101286778995647,
0.32227661600514845,
0.4871188997233883,
0.4009592341280532
],
"data": []
},
{
"index_in_doc": 155,
"label": "text",
"text": "I also want to thank our board of directors for l']aj [gfljaZmlagfk Yf\\ \\]\\a[Ylagf lg Kqf['jgfqÌk success. In 2019, we welcomed two new independent directors to our board, Ellen Zane and Fernando Aguirre. By every measure- expertise, experience, ideas, ethnicity and gender-Synchrony continues to have one of the most diverse boards of any public company. Qgm [Yf j]Y\\ egj] ^jge Kqf['jgfqÌk ZgYj\\ g^ directors in our first annual letter to Synchrony shareholders within this report.",
"bbox": [
0.1610829620614376,
0.4103832025637572,
0.48954578102326907,
0.5890536838107638
],
"data": []
},
{
"index_in_doc": 156,
"label": "text",
"text": "To our partners, customers and communities, our deep appreciation for your help in making 2019 another standout year.",
"bbox": [
0.1610857202836728,
0.5984647124815413,
0.480688851073409,
0.6447202407232798
],
"data": []
},
{
"index_in_doc": 157,
"label": "text",
"text": "And to you, our shareholders: A sincere thank you for investing and believing in us. Your continued support keeps us moving forward.",
"bbox": [
0.1606040056269758,
0.6547513257802522,
0.47519011995685634,
0.7006392399774505
],
"data": []
},
{
"index_in_doc": 158,
"label": "text",
"text": "Without question, we are proud of the progress Synchrony has made over the last five-plus years. The diversification of our business, our thinking and our people are evident in all facets of our company and our work. But in everything we do, we never stop asking ourselves how we can do it better.",
"bbox": [
0.16073056753990464,
0.7102796766493056,
0.4933538484336132,
0.8208572952835648
],
"data": []
},
{
"index_in_doc": 159,
"label": "text",
"text": "L'YlÌk o'Yl Changing What's Possible is all about.",
"bbox": [
0.16086866843759717,
0.8320102813447877,
0.49317140088943306,
0.8445721135437869
],
"data": []
},
{
"index_in_doc": 160,
"label": "text",
"text": "Sincerely,",
"bbox": [
0.16154066247133472,
0.8600610413922813,
0.22843642100370543,
0.8731464176494652
],
"data": []
},
{
"index_in_doc": 161,
"label": "picture",
"text": "",
"bbox": [
0.1634867400869999,
0.8790655805994572,
0.46871710377150705,
0.9192579715187978
],
"data": []
},
{
"index_in_doc": 162,
"label": "text",
"text": "Margaret Keane ;'a]^ =p][mlan] G÷a[]j",
"bbox": [
0.16133099962427447,
0.9254354620649745,
0.3197140669941309,
0.9515881300886015
],
"data": []
},
{
"index_in_doc": 163,
"label": "picture",
"text": "",
"bbox": [
0.5241019532059753,
0.09086638118115421,
0.9994149532286484,
0.553470265667405
],
"data": []
},
{
"index_in_doc": 164,
"label": "text",
"text": "For more than 30 years, CareCredit has helped people care for themselves and their families, including their pets. With our expansion in 2019 from \"vet to pet,\" o] Yj] fgo hjgna\\af_ h]Y[] g^ eaf\\ Zq g÷]jaf_ h]l insurance through Pets Best and flexible options to pay for pet care through CareCredit.",
"bbox": [
0.5249069998315713,
0.5749545627170138,
0.8716758614155784,
0.6541598382124042
],
"data": []
},
{
"index_in_doc": 165,
"label": "page_footer",
"text": "7",
"bbox": [
0.9512010261194029,
0.9628249128202826,
0.9571872287326388,
0.9712084773856561
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 9
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-10 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | 8 64175 Synchroy . indd GROWTH HIGHLIGHTS RETAIL CARD Consumer payments provider for major digital partners and retailers. - · Loan receivables of more than $56 billion in 2019. - · Continued growth and diversification through digitally driven partners. - · Extended and expanded relationship with PayPal, including becoming the exclusive akkm]j g^ N]fegÌk ^ajkl [g%ZjYf\]\ [gfkme]j credit card. - · Extended <A;CÌK Sporting Goods relationship and signed new partnerships with Norwegian Air and Verizon. CARECREDIT Consumer financing for health, wellness, personal and veterinary care. - · Loan receivables of more than $10 billion in 2019. - · Expanded CareCredit network into health systems and networks-five agreements signed. - · Expanded reach from "vet to pet" with acquisition g^ H]lk :]kl$ g÷]jaf_ h]l afkmjYf[] Yf\ o]ddf]kk plans for dogs and cats. - · Signed five tech partnerships-including Loyale and Simplee-to increase acceptance of CareCredit and improve the patient financial experience. We are focused on delivering our short-term commitments while driving long-term value creation for all of our stakeholders. We do this by investing in our core while diversifying across the business, strengthening our existing partner relationships, winning new partners, extending into new markets and delivering innovative products and capabilities that drive value to our customers, our partners and Synchrony." BRIAN DOUBLES PRESIDENT 8 3/13/20 4:25 PM PAYMENT SOLUTIONS Consumer payments provider for small and medium-sized businesses. - · Loan receivables of more than $20 billion in 2019. - · Expanded Synchrony Car Care acceptance to 730,000+ auto retailers and launched out-of-network promotional financing. - · Launched the Synchrony HOME card, the one card for all home purchases, now accepted at 1.3 million locations. - · Extended partnerships with PC Richard & Son, Polaris, Rooms To Go, Suzuki and more; announced new partnerships with Mor Furniture for Less, Samsung HVAC, Zero Motorcycles and more. SYNCHRONY BANK Gfdaf] \aj][l ZYfc g÷]jaf_ Y jYf_] of FDIC-insured deposit products. - · Retail deposits of more than $53 billion in 2019. - · Total deposits accounted for 77% of Kqf['jgfqÌk ^mf\af_& - · Launched native digital app and streamlined the new account opening process. - Aehjgn]\ eYjc]laf_ ]÷a[a]f[q mkaf_ data driven decisions and launched new capabilities, including social media. | [
{
"text": "“",
"bbox": [
0.1488615197328786,
0.7521583683798292,
0.18906053381772778,
0.7840357521027898
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "PAYMENT SOLUTIONS",
"bbox": [
0.5198158782908375,
0.1746283637152778,
0.7504884836883292,
0.1876449097770993
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Consumer payments provider for ",
"bbox": [
0.518842807852016,
0.19924743574393358,
0.7647225805380649,
0.21050573278356483
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "small and medium-sized businesses.",
"bbox": [
0.5186740755046383,
0.21586910944484355,
0.7916473338062293,
0.22448122455699235
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Loan receivables of more than $20 billion in 2019.",
"bbox": [
0.5192723313769693,
0.2357996992985712,
0.84515755370284,
0.2454631313358078
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Expanded Synchrony Car Care acceptance ",
"bbox": [
0.5192723313769693,
0.25641430383441094,
0.8252970377604166,
0.26767260087404215
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "to 730,000+ auto retailers and launched ",
"bbox": [
0.530547235340226,
0.2730359775353209,
0.8146925083242641,
0.28274672545996965
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "out-of-network promotional financing. ",
"bbox": [
0.5304245071031561,
0.2896339543173292,
0.7973645970991398,
0.3008804808479007
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Launched the Synchrony HOME card, the one ",
"bbox": [
0.5192876660804052,
0.3099189845994971,
0.8378588421823175,
0.3211536626706178
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "card for all home purchases, now accepted ",
"bbox": [
0.5303631682894123,
0.3265170393318966,
0.8243751336092973,
0.3376336225604646
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "at 1.3 million locations.",
"bbox": [
0.5303478335859764,
0.3431150161139049,
0.6834345322540941,
0.3517270922508581
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Extended partnerships with PC Richard & Son, ",
"bbox": [
0.5193045696808924,
0.3633752581716954,
0.8417308294951026,
0.3745154213935784
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Polaris, Rooms To Go, Suzuki and more; announced ",
"bbox": [
0.5309629424492123,
0.3799744821599617,
0.8592690235346704,
0.38972065853737625
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "new partnerships with Mor Furniture for Less, ",
"bbox": [
0.5308095448052705,
0.39659728614154294,
0.8331310974424752,
0.4077138303949154
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Samsung HVAC, Zero Motorcycles and more.",
"bbox": [
0.5304567454070792,
0.41317168293023626,
0.8347771234970979,
0.42444178945412275
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "RETAIL CARD",
"bbox": [
0.1236729787949899,
0.1745925844857519,
0.26011376831662003,
0.1876449097770993
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Consumer payments provider for ",
"bbox": [
0.12269992100856394,
0.19924743574393358,
0.3685796683898217,
0.21050573278356483
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "major digital partners and retailers.",
"bbox": [
0.12297604688957556,
0.21586910944484355,
0.3868909237989739,
0.22711563597541506
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Loan receivables of more than $56 billion ",
"bbox": [
0.1231294445335173,
0.2357996992985712,
0.42002668744493676,
0.2454631313358078
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in 2019.",
"bbox": [
0.13514062935242407,
0.2527521165090198,
0.18398001498448513,
0.26136423162116856
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Continued growth and diversification ",
"bbox": [
0.1231294445335173,
0.27301235856681033,
0.39516376855954605,
0.2842825040658924
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "through digitally driven partners.",
"bbox": [
0.13486451612380804,
0.2896339543173292,
0.3634591679865646,
0.3008804808479007
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Extended and expanded relationship with ",
"bbox": [
0.12314477923695326,
0.3099189845994971,
0.41651240865982586,
0.32103556782806514
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "PayPal, including becoming the exclusive ",
"bbox": [
0.13526335758949393,
0.3265170393318966,
0.4133647456888733,
0.3377635658624681
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "akkm]j\u0003g^\u0003N]fegÌk\u0003^ajkl\u0003[g%ZjYf\\]\\\u0003[gfkme]j",
"bbox": [
0.13512529464898812,
0.34305592971743293,
0.42988573773385674,
0.3517743301878791
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "credit card.",
"bbox": [
0.13475713524256971,
0.3597142401021711,
0.20881695850176202,
0.3683263162391244
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Extended <A;CÌK Sporting Goods relationship ",
"bbox": [
0.12316012659278477,
0.3799390537071959,
0.434885205321051,
0.3912445886838482
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and signed new partnerships with Norwegian ",
"bbox": [
0.1347571478949653,
0.3965960779104805,
0.43272063348621476,
0.40784256546585645
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Air and Verizon.",
"bbox": [
0.13437364113271533,
0.41319413264287996,
0.23555761941432163,
0.42180620877983316
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "GROWTH ",
"bbox": [
0.1205752927865555,
0.07086844218949553,
0.3504409663515107,
0.0988378220286558
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "HIGHLIGHTS",
"bbox": [
0.12196832153927628,
0.10918261843470625,
0.4219483585895393,
0.13715199827386654
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We are focused on delivering our short-term commitments while driving ",
"bbox": [
0.16552156160522258,
0.8006465517241379,
0.6986793024622979,
0.8118930392795138
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "long-term value creation for all of our stakeholders. We do this by investing ",
"bbox": [
0.1662732151214954,
0.8172457562248064,
0.7214464279351939,
0.8284922437801824
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in our core while diversifying across the business, strengthening our ",
"bbox": [
0.1662732151214954,
0.8338437719820103,
0.6747590882663506,
0.8450902692811851
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "existing partner relationships, winning new partners, extending into new ",
"bbox": [
0.16585903895237356,
0.850441807226812,
0.7075869938232017,
0.8616882947821879
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "markets and delivering innovative products and capabilities that drive ",
"bbox": [
0.16621186365535603,
0.8670398229840158,
0.6872861239052135,
0.8782863105393918
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "value to our customers, our partners and Synchrony.” ",
"bbox": [
0.16547554484251917,
0.8836390274846843,
0.5600177518170865,
0.894873705555805
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "BRIAN DOUBLES ",
"bbox": [
0.5543963430730462,
0.9094329483207615,
0.6676083085548818,
0.9178007669071281
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "PRESIDENT",
"bbox": [
0.5543963430730462,
0.9234789267353628,
0.6311068052478493,
0.9318467453217293
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "8",
"bbox": [
0.04558557222533977,
0.9639961661659133,
0.05067014931446284,
0.9704150666374508
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "CARECREDIT",
"bbox": [
0.12114576399820559,
0.4602886409442848,
0.25777459342285963,
0.4733410052108277
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Consumer financing for health, wellness, ",
"bbox": [
0.12082279894877825,
0.48494349220246646,
0.42417072656735855,
0.49621359872635296
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "personal and veterinary care.",
"bbox": [
0.12108357747395833,
0.5015651269281809,
0.338886621579602,
0.5127998049993016
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Loan receivables of more than $10 billion ",
"bbox": [
0.1212523224737316,
0.521495755757104,
0.42153363836740776,
0.5311592267695362
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in 2019.",
"bbox": [
0.13280331436081314,
0.5384481729675527,
0.18271649615286198,
0.5470602491045059
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Expanded CareCredit network into health ",
"bbox": [
0.1212523224737316,
0.5587084150253432,
0.4290533619338205,
0.5698485782472262
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "systems and networks—five agreements signed.",
"bbox": [
0.13231242671732482,
0.5753300107758621,
0.44652105682524873,
0.586576498331238
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Expanded reach from “vet to pet” with acquisition ",
"bbox": [
0.12126765717716755,
0.59561504105803,
0.4545946010507359,
0.6067315853114025
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "g^\u0003H]lk\u0003:]kl$\u0003g÷]jaf_\u0003h]l\u0003afkmjYf[]\u0003Yf\\\u0003o]ddf]kk",
"bbox": [
0.13255788319146455,
0.6122130957904295,
0.4542399290979996,
0.623116991376816
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "plans for dogs and cats.",
"bbox": [
0.13275728494571415,
0.6288110725724377,
0.29495444226620804,
0.6400575601278137
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Signed five tech partnerships—including Loyale ",
"bbox": [
0.1212829918806035,
0.6490949335987388,
0.4543091630065817,
0.6603414211541148
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and Simplee—to increase acceptance of CareCredit ",
"bbox": [
0.13241982025095875,
0.6656705386184946,
0.4755518772511142,
0.6768106823527797
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and improve the patient financial experience.",
"bbox": [
0.13241982025095875,
0.6822921538566112,
0.44005826377552343,
0.6934086981099836
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "SYNCHRONY BANK",
"bbox": [
0.5190496998244455,
0.4602886409442848,
0.7239744271805038,
0.4733410052108277
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Gfdaf]\u0003\\aj][l\u0003ZYfc\u0003g÷]jaf_\u0003Y\u0003jYf_]",
"bbox": [
0.5186740755046383,
0.484967111170977,
0.7781251619506634,
0.4958710067573635
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "of FDIC-insured deposit products.",
"bbox": [
0.5187661343348362,
0.5015415079596703,
0.7689639671920346,
0.5126816711815533
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Retail deposits of more than $53 billion ",
"bbox": [
0.5192723313769693,
0.521495755757104,
0.8030387410279333,
0.5329667014637213
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in 2019.",
"bbox": [
0.5312835541530628,
0.5384481729675527,
0.5806613498263888,
0.5470602491045059
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Total deposits accounted for 77% of ",
"bbox": [
0.5192723313769693,
0.5587320339938537,
0.7832608199238185,
0.5698485782472262
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Kqf[`jgfqÌk\u0003^mf\\af_&",
"bbox": [
0.5305625700436619,
0.5752709633545857,
0.675809034660681,
0.5862339063622486
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Launched native digital app and streamlined ",
"bbox": [
0.5192876660804052,
0.59561504105803,
0.8265320127876243,
0.6068615286134059
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "the new account opening process.",
"bbox": [
0.5305625700436619,
0.6122130957904295,
0.7643711982081779,
0.6234595833458054
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "\u0003\u0003\u0003Aehjgn]\\\u0003eYjc]laf_\u0003]÷a[a]f[q\u0003mkaf_",
"bbox": [
0.5191051679266429,
0.632496917841535,
0.786732434831053,
0.6434008134279214
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "data driven decisions and launched new ",
"bbox": [
0.5310702853732638,
0.6490949335987388,
0.8147463063102457,
0.6577070097356921
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "capabilities, including social media.",
"bbox": [
0.5310702853732638,
0.6656941575870051,
0.7825060286134432,
0.6769406256547833
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "64175 Synchroy",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.08837479422143837,
1.0284827586791525
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.08934992067454071,
1.0260383147998484,
0.09038474745615996,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.0919170854103506,
1.0213486584971538,
0.10948922582724399,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "8 ",
"bbox": [
0.11873299011939002,
1.0214636012207654,
0.12349916018459137,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/13/20 ",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 166,
"label": "page_footer",
"text": "8",
"bbox": [
0.044161061149331465,
0.9630080182890326,
0.05151294436225448,
0.9709263749201787
],
"data": []
},
{
"index_in_doc": 167,
"label": "text",
"text": "64175 Synchroy . indd",
"bbox": [
0.01696185686101961,
1.0212030642181824,
0.10948922582724399,
1.0284827586791525
],
"data": []
},
{
"index_in_doc": 168,
"label": "section_header",
"text": "GROWTH HIGHLIGHTS",
"bbox": [
0.11905596782121294,
0.06990965237867178,
0.4280102478331001,
0.13820004128252714
],
"data": []
},
{
"index_in_doc": 169,
"label": "section_header",
"text": "RETAIL CARD",
"bbox": [
0.12188701724531639,
0.17357330517141603,
0.2651374272841522,
0.18803637664132344
],
"data": []
},
{
"index_in_doc": 170,
"label": "text",
"text": "Consumer payments provider for major digital partners and retailers.",
"bbox": [
0.12068086437522674,
0.19812284545118933,
0.38905764654105773,
0.2278239711795578
],
"data": []
},
{
"index_in_doc": 171,
"label": "text",
"text": "- · Loan receivables of more than $56 billion in 2019.",
"bbox": [
0.12114821856294698,
0.2342585421156609,
0.4219059983691568,
0.26299339479565775
],
"data": []
},
{
"index_in_doc": 172,
"label": "text",
"text": "- · Continued growth and diversification through digitally driven partners.",
"bbox": [
0.12101739279270964,
0.27212816728029215,
0.39729286307719214,
0.3008804808479007
],
"data": []
},
{
"index_in_doc": 173,
"label": "text",
"text": "- · Extended and expanded relationship with PayPal, including becoming the exclusive akkm]j g^ N]fegÌk ^ajkl [g%ZjYf\\]\\ [gfkme]j credit card.",
"bbox": [
0.12087490151375285,
0.30843231473998245,
0.4310161027544569,
0.3691122510576309
],
"data": []
},
{
"index_in_doc": 174,
"label": "text",
"text": "- · Extended <A;CÌK Sporting Goods relationship and signed new partnerships with Norwegian Air and Verizon.",
"bbox": [
0.12090994864949342,
0.3782491671780212,
0.4370711343996165,
0.42216867809855924
],
"data": []
},
{
"index_in_doc": 175,
"label": "section_header",
"text": "CARECREDIT",
"bbox": [
0.11914639449238185,
0.4593523398213003,
0.2602890799096963,
0.47366675989533447
],
"data": []
},
{
"index_in_doc": 176,
"label": "text",
"text": "Consumer financing for health, wellness, personal and veterinary care.",
"bbox": [
0.11934756758201182,
0.48410162797832856,
0.42623030882371993,
0.5128328949403337
],
"data": []
},
{
"index_in_doc": 177,
"label": "text",
"text": "- · Loan receivables of more than $10 billion in 2019.",
"bbox": [
0.11833481923066957,
0.5207905775438019,
0.42341583403781874,
0.5481535033400183
],
"data": []
},
{
"index_in_doc": 178,
"label": "text",
"text": "- · Expanded CareCredit network into health systems and networks-five agreements signed.",
"bbox": [
0.1192016095466677,
0.5573562875409084,
0.44794217389614427,
0.586576498331238
],
"data": []
},
{
"index_in_doc": 179,
"label": "text",
"text": "- · Expanded reach from \"vet to pet\" with acquisition g^ H]lk :]kl$ g÷]jaf_ h]l afkmjYf[] Yf\\ o]ddf]kk plans for dogs and cats.",
"bbox": [
0.11903149808817241,
0.5945958007188897,
0.456549446776534,
0.6407585290199952
],
"data": []
},
{
"index_in_doc": 180,
"label": "text",
"text": "- · Signed five tech partnerships-including Loyale and Simplee-to increase acceptance of CareCredit and improve the patient financial experience.",
"bbox": [
0.11904824985991268,
0.6482630470246648,
0.4760836321323072,
0.6937360312899106
],
"data": []
},
{
"index_in_doc": 181,
"label": "picture",
"text": "",
"bbox": [
0.1488615197328786,
0.7478269769466396,
0.22155885712226628,
0.791209409672334
],
"data": []
},
{
"index_in_doc": 182,
"label": "text",
"text": "We are focused on delivering our short-term commitments while driving long-term value creation for all of our stakeholders. We do this by investing in our core while diversifying across the business, strengthening our existing partner relationships, winning new partners, extending into new markets and delivering innovative products and capabilities that drive value to our customers, our partners and Synchrony.\"",
"bbox": [
0.16392332364868367,
0.7993849246437978,
0.7230874436411692,
0.8951175928420338
],
"data": []
},
{
"index_in_doc": 183,
"label": "text",
"text": "BRIAN DOUBLES PRESIDENT",
"bbox": [
0.5523645201725746,
0.9080855758101852,
0.6696248473614997,
0.9323329024235713
],
"data": []
},
{
"index_in_doc": 184,
"label": "text",
"text": "8",
"bbox": [
0.11873299011939002,
1.0214636012207654,
0.12349916018459137,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 185,
"label": "text",
"text": "3/13/20",
"bbox": [
0.9157611600202115,
1.0212030642181824,
0.9482387460484039,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 186,
"label": "text",
"text": "4:25 PM",
"bbox": [
0.957164049543947,
1.0213486584971538,
0.9932536414606654,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 187,
"label": "section_header",
"text": "PAYMENT SOLUTIONS",
"bbox": [
0.5171792708819185,
0.17368469628033206,
0.7538382813309753,
0.18786176776520594
],
"data": []
},
{
"index_in_doc": 188,
"label": "text",
"text": "Consumer payments provider for small and medium-sized businesses.",
"bbox": [
0.516437030747953,
0.19828194219947318,
0.7932483173326078,
0.22679409061202904
],
"data": []
},
{
"index_in_doc": 189,
"label": "text",
"text": "- · Loan receivables of more than $20 billion in 2019.",
"bbox": [
0.5169366991539698,
0.23439612455599457,
0.8464270444651741,
0.24570805146471902
],
"data": []
},
{
"index_in_doc": 190,
"label": "text",
"text": "- · Expanded Synchrony Car Care acceptance to 730,000+ auto retailers and launched out-of-network promotional financing.",
"bbox": [
0.5168514726173818,
0.25445314994412516,
0.8261363976828099,
0.3008804808479007
],
"data": []
},
{
"index_in_doc": 191,
"label": "text",
"text": "- · Launched the Synchrony HOME card, the one card for all home purchases, now accepted at 1.3 million locations.",
"bbox": [
0.5167109804169258,
0.30858314874680715,
0.839195036374119,
0.35363746146132663
],
"data": []
},
{
"index_in_doc": 192,
"label": "text",
"text": "- · Extended partnerships with PC Richard & Son, Polaris, Rooms To Go, Suzuki and more; announced new partnerships with Mor Furniture for Less, Samsung HVAC, Zero Motorcycles and more.",
"bbox": [
0.5176605680095616,
0.36204187775632585,
0.8614162868923612,
0.42444178945412275
],
"data": []
},
{
"index_in_doc": 193,
"label": "section_header",
"text": "SYNCHRONY BANK",
"bbox": [
0.5170573017885831,
0.4596127331028496,
0.728116517834007,
0.47373457673561226
],
"data": []
},
{
"index_in_doc": 194,
"label": "text",
"text": "Gfdaf] \\aj][l ZYfc g÷]jaf_ Y jYf_] of FDIC-insured deposit products.",
"bbox": [
0.5171291167858624,
0.48435488879909006,
0.7781251619506634,
0.5127621159851932
],
"data": []
},
{
"index_in_doc": 195,
"label": "text",
"text": "- · Retail deposits of more than $53 billion in 2019.",
"bbox": [
0.5167518729594216,
0.5206232570292545,
0.8053557995342299,
0.5488551348105244
],
"data": []
},
{
"index_in_doc": 196,
"label": "text",
"text": "- · Total deposits accounted for 77% of Kqf['jgfqÌk ^mf\\af_&",
"bbox": [
0.5170572005694185,
0.5573109204132742,
0.7832608199238185,
0.5864985089649186
],
"data": []
},
{
"index_in_doc": 197,
"label": "text",
"text": "- · Launched native digital app and streamlined the new account opening process.",
"bbox": [
0.5168907456532442,
0.5946392580619413,
0.8284184849677394,
0.6234595833458054
],
"data": []
},
{
"index_in_doc": 198,
"label": "text",
"text": "- Aehjgn]\\ eYjc]laf_ ]÷a[a]f[q mkaf_ data driven decisions and launched new capabilities, including social media.",
"bbox": [
0.5170697517458281,
0.6316615234998603,
0.8158177617770522,
0.677221539376796
],
"data": []
},
{
"index_in_doc": 199,
"label": "picture",
"text": "",
"bbox": [
0.694558417223777,
0.7174501772280093,
0.9987775761492019,
0.9558343996946839
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 10
} |
|
000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae-11 | hf://datasets/artefactory/Argimi-Ardian-Finance-10k-text-image@fb3734d7069a3f175c11c47ffcd63b20bede81b0/00/document-000a677a773e03a2cfa615d6a9678de6f59595f384a89a9190fdf3a38b334cae.tar.gz | A MESSAGE FROM THE BOARD OF DIRECTORS Dear Stakeholders, As Synchrony's board of directors, we are committed to overseeing the creation of longterm value for our stakeholders. We believe that our stockholders are best served when Synchrony achieves results responsibly, based on a culture of doing what's right, and in a manner that delivers value to all stakeholders-including our cardholders, partners, employees, regulators, suppliers and communitities. We value this opportunity to share an overview of the board's actions to further our commitment to stockholders and other stakeholders during the past year. STRATEGY We actively oversee Synchrony's strategic direction and review our strategic plan regularly. At our annual two-day strategy meeting, we worked with management to build a longterm strategic plan focusing on growing the core and diversifying the business. We are pleased to share Synchrony's progress executing this plan: - · Further diversifying Retail Card in e-commerce and mobile payments, extending our hYjlf]jk'ah oal' 9eYrgf Yf\ hYjlf]jaf_ oal' HYqHYd lg dYmf[' N]fegÌk Õjkl%]n]j [j]\al card, and expanding into new verticals such as telecommunications. - · Positioning Payment Solutions for continued success by driving organic growth and developing Synchrony-branded consumer products like the Synchrony Car Care and Synchrony HOME card networks. - · Expanding our CareCredit network by creating broader acceptance and utility for our [Yj\k Yf\ egnaf_ aflg f]o Y\bY[]f[a]k km[' Yk h]l afkmjYf[] Yf\hYla]fl ÕfYf[aYd care platforms. - =ngdnaf_ gmj g÷]jaf_k af l'] \aj][l%lg%[gfkme]j khY[]$ eYcaf_ ka_faÕ[Yfl hjg_j]kk building our consumer banking platform and launching Synchrony's general-purpose credit card. Looking ahead, Synchrony remains focused on improving all aspects of the customer experience, starting with a quick, seamless account opening process all the way through account self-servicing features. We will continue to invest heavily in digital innovations to develop new products and services that drive deeper customer relationships. BOARD EFFECTIVENESS We partner with management to build a culture founded on strong values and a shared vision and mission. That culture stands for our commitment to do the right thing for all of our stakeholders. Included in this commitment is the recognition of the critical role that diversity and inclusion play in long-term, sustainable growth. Kqf['jgfq 'Yk l'] egkl \an]jk] ZgYj\ g^ \aj][lgjk g^ Yfq ÕfYf[aYd k]jna[]k [gehYfq gj commercial bank in the Fortune 200.* * Our board includes four women directors and four minority directors, as well as cognitive diversity with expertise in consumer banking, credit cards, retail, technology, cybersecurityty, risk management, marketing, government Y÷Yajk Yf\ Y[[gmflaf_& Af *()1$ o] Y\\]\ log f]o \aj][lgjk lg l'] ZgYj\$ Zjaf_af_ expertise in healthcare and consumer sectors. Also, given the importance of technology and innovation to our future, we created a new board committee-the Technology Committee-to better leverage the board's technology expertise. This board diversity ]fYZd]k mk lg _ma\] Yf\ gn]jk]] eYfY_]e]fl egj] ]÷][lan]dq Zq Zjaf_af_ kljYl]_a[Yddq relevant, forward looking and inclusive perspectives to our boardroom. O] eYaflYaf kljgf_$ ]÷][lan] h]j^gjeYf[] Zq [gfka\]jaf_ ZgYj\ h]j^gjeYf[] Yl ]n]jq meeting and conducting a formal board evaluatition annually. Every third year, including in *()1$ o] ]f_Y_] Yf ]pl]jfYd [gfkmdlYfl lg ^Y[adalYl] l'] YffmYd]nYdmYlagf Yf\ Z]f['eYjc board performance. ":Yk]\gf*()1\ak[dgkmj]k& Use For Revised Pages from 3-19-20 . indd 14 3/20/20 9:13 AM | [
{
"text": "Dear Stakeholders, ",
"bbox": [
0.16382747226291233,
0.11074544582634897,
0.32201555040147567,
0.1202777653057152
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "As Synchrony's board of directors, we are committed to overseeing the creation of long\u0002",
"bbox": [
0.16263087998088607,
0.13182143872725097,
0.8964009733281584,
0.14248240191969988
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "term value for our stakeholders. We believe that our stockholders are best served when ",
"bbox": [
0.16332266065809461,
0.1471423542514767,
0.8899187919421073,
0.15531132139008622
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Synchrony achieves results responsibly, based on a culture of doing what’s right, and ",
"bbox": [
0.1631169930482522,
0.16246428313078703,
0.8801503629765959,
0.17312524632323595
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "in a manner that delivers value to all stakeholders—including our cardholders, partners, ",
"bbox": [
0.1637339795756544,
0.17778519865501277,
0.8893285898061899,
0.18844616184746169
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "employees, regulators, suppliers and communitities. We value this opportunity to share ",
"bbox": [
0.16307959597334903,
0.1931061141792385,
0.8838812673193777,
0.20376707737168742
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "an overview of the board’s actions to further our commitment to stockholders and other ",
"bbox": [
0.16315439012315539,
0.2084269517530731,
0.8924630319970286,
0.21659591889168264
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "stakeholders during the past year.",
"bbox": [
0.16298611958821616,
0.22374895858277458,
0.44578676142244256,
0.2344099217752235
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "STRATEGY ",
"bbox": [
0.16331410204243457,
0.24978407741658684,
0.2812186021071214,
0.26005357374481164
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We actively oversee Synchrony’s strategic direction and review our strategic plan regularly. ",
"bbox": [
0.16268697559324086,
0.27087378958632663,
0.9043822981353499,
0.28153475277877554
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "At our annual two-day strategy meeting, we worked with management to build a long\u0002",
"bbox": [
0.16263087998088607,
0.28619470511055234,
0.8882885142269298,
0.29685566830300125
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "term strategic plan focusing on growing the core and diversifying the business. We are ",
"bbox": [
0.16332266065809461,
0.30151554268438696,
0.8944117880275106,
0.3121765058768359
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "pleased to share Synchrony’s progress executing this plan:",
"bbox": [
0.1636218046530699,
0.3168364582086127,
0.6575667552458935,
0.32749742140106164
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Further diversifying Retail Card in e-commerce and mobile payments, extending our ",
"bbox": [
0.16403312357062969,
0.3379023955090597,
0.8751561743581396,
0.34857450560743936
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "hYjlf]jk`ah\u0003oal`\u00039eYrgf\u0003Yf\\\u0003hYjlf]jaf_\u0003oal`\u0003HYqHYd\u0003lg\u0003dYmf[`\u0003N]fegÌk\u0003Õjkl%]n]j\u0003[j]\\al",
"bbox": [
0.17452191083859175,
0.3532009392710329,
0.8904458070412661,
0.36357130340537197
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "card, and expanding into new verticals such as telecommunications.",
"bbox": [
0.1738488286988348,
0.36855533448824634,
0.7467476608406785,
0.3792162587054997
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Positioning Payment Solutions for continued success by driving organic growth and ",
"bbox": [
0.16403312357062969,
0.38963245766981963,
0.8687291593633146,
0.400293381887073
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "developing Synchrony-branded consumer products like the Synchrony Car Care and ",
"bbox": [
0.1738488286988348,
0.4049421483377235,
0.8776309021517762,
0.4156142584361031
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Synchrony HOME card networks.",
"bbox": [
0.17388622577373797,
0.42027421076787996,
0.4432273929954594,
0.430923949104007
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "• Expanding our CareCredit network by creating broader acceptance and utility for our ",
"bbox": [
0.16403312357062969,
0.44134014806832694,
0.8882656912518363,
0.4520122581667066
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "[Yj\\k\u0003Yf\\\u0003egnaf_\u0003aflg\u0003f]o\u0003Y\\bY[]f[a]k\u0003km[`\u0003Yk\u0003h]l\u0003afkmjYf[]\u0003Yf\\hYla]fl\u0003ÕfYf[aYd",
"bbox": [
0.17426016391851964,
0.4566945432855404,
0.8688512296758146,
0.4670090559646392
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "care platforms.",
"bbox": [
0.17414795639168504,
0.47201541983457057,
0.3014791765783587,
0.4825310834979646
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "\u0003\u0003=ngdnaf_\u0003gmj\u0003g÷]jaf_k\u0003af\u0003l`]\u0003\\aj][l%lg%[gfkme]j\u0003khY[]$\u0003eYcaf_\u0003ka_faÕ[Yfl\u0003hjg_j]kk",
"bbox": [
0.16339742220365083,
0.49309254301614386,
0.8671798053969685,
0.5034070556952427
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "building our consumer banking platform and launching Synchrony’s general-purpose ",
"bbox": [
0.17470703777085003,
0.5083910867781171,
0.8850615411742121,
0.5190520109953703
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "credit card.",
"bbox": [
0.17414613055367756,
0.5237120023023427,
0.26929302704639924,
0.5318808914905612
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Looking ahead, Synchrony remains focused on improving all aspects of the customer ",
"bbox": [
0.1638256301227798,
0.5447890865087205,
0.8840736323951656,
0.5554500107259738
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "experience, starting with a quick, seamless account opening process all the way through ",
"bbox": [
0.1630777538332165,
0.5601323348200032,
0.889383560571915,
0.5707709262501995
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "account self-servicing features. We will continue to invest heavily in digital innovations ",
"bbox": [
0.16315254798302284,
0.5754308396067808,
0.8955185066940438,
0.5860917638240342
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "to develop new products and services that drive deeper customer relationships. ",
"bbox": [
0.16332081851796207,
0.5907517551310065,
0.8365067702073318,
0.6012897515814576
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "BOARD EFFECTIVENESS ",
"bbox": [
0.16420727917271802,
0.6168071800417065,
0.42700619167751735,
0.6270766373947357
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "We partner with management to build a culture founded on strong values and a shared ",
"bbox": [
0.16268697559324086,
0.6378981394177043,
0.8971483279497195,
0.6485590636349577
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "vision and mission. That culture stands for our commitment to do the right thing for all ",
"bbox": [
0.1625934829059829,
0.6532190159667345,
0.8853562835954193,
0.6638799401839879
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "of our stakeholders. Included in this commitment is the recognition of the critical role ",
"bbox": [
0.16307959597334903,
0.6685398925157647,
0.8812965327857906,
0.679200816733018
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "that diversity and inclusion play in long-term, sustainable growth.",
"bbox": [
0.16332266065809461,
0.6838607885523926,
0.7141073504064837,
0.694521712769646
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Kqf[`jgfq\u0003`Yk\u0003l`]\u0003egkl\u0003\\an]jk]\u0003ZgYj\\\u0003g^\u0003\\aj][lgjk\u0003g^\u0003Yfq\u0003ÕfYf[aYd\u0003k]jna[]k\u0003[gehYfq\u0003gj",
"bbox": [
0.16319178719805855,
0.7049602445210229,
0.892479986207098,
0.7151629763392501
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "commercial bank in the Fortune 200.* ",
"bbox": [
0.16307959597334903,
0.7202587687953983,
0.47311192699986643,
0.728438843864743
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "* ",
"bbox": [
0.47171581300914794,
0.7199591469795159,
0.4769508492233407,
0.7228735756904534
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Our board includes four women directors and four ",
"bbox": [
0.48237287081204927,
0.7202723711386494,
0.9063178820487781,
0.7284412603268678
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "minority directors, as well as cognitive diversity with expertise in consumer banking, ",
"bbox": [
0.16363360739161825,
0.7355943779683509,
0.8715718587239584,
0.7462553021856042
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "credit cards, retail, technology, cybersecurityty, risk management, marketing, government ",
"bbox": [
0.16307270017444578,
0.7509152545173811,
0.8966049455169939,
0.7615761787346345
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Y÷Yajk\u0003Yf\\\u0003Y[[gmflaf_&\u0003Af\u0003*()1$\u0003o]\u0003Y\\\\]\\\u0003log\u0003f]o\u0003\\aj][lgjk\u0003lg\u0003l`]\u0003ZgYj\\$\u0003Zjaf_af_",
"bbox": [
0.16318489139915532,
0.766258483341066,
0.8587649744800013,
0.7765729765325671
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "expertise in healthcare and consumer sectors. Also, given the importance of technology ",
"bbox": [
0.16307270017444578,
0.7815570076154414,
0.893740988185263,
0.7922179318326947
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "and innovation to our future, we created a new board committee—the Technology ",
"bbox": [
0.16314749432425213,
0.7968790144451429,
0.8622073312091012,
0.8075399386623963
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Committee—to better leverage the board’s technology expertise. This board diversity ",
"bbox": [
0.16320357363448185,
0.8121887051130467,
0.8855665158002805,
0.8228608152114264
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "]fYZd]k\u0003mk\u0003lg\u0003_ma\\]\u0003Yf\\\u0003gn]jk]]\u0003eYfY_]e]fl\u0003egj]\u0003]÷][lan]dq\u0003Zq\u0003Zjaf_af_\u0003kljYl]_a[Yddq",
"bbox": [
0.16318489139915532,
0.827543119817858,
0.8944194174220419,
0.837857613009359
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "relevant, forward looking and inclusive perspectives to our boardroom.",
"bbox": [
0.16363360739161825,
0.8428427743729047,
0.7615225376226963,
0.8535036985901581
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "O]\u0003eYaflYaf\u0003kljgf_$\u0003]÷][lan]\u0003h]j^gjeYf[]\u0003Zq\u0003[gfka\\]jaf_\u0003ZgYj\\\u0003h]j^gjeYf[]\u0003Yl\u0003]n]jq",
"bbox": [
0.16256790487175313,
0.8639399892677901,
0.8905996338933961,
0.87425449220309
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "meeting and conducting a formal board evaluatition annually. Every third year, including in ",
"bbox": [
0.16363360739161825,
0.8792385330297633,
0.89762206770416,
0.8898994475032178
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "*()1$\u0003o]\u0003]f_Y_]\u0003Yf\u0003]pl]jfYd\u0003[gfkmdlYfl\u0003lg\u0003^Y[adalYl]\u0003l`]\u0003YffmYd]nYdmYlagf\u0003Yf\\\u0003Z]f[`eYjc",
"bbox": [
0.16316808390821147,
0.8945817521096494,
0.9000713641826923,
0.9048962550449493
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "board performance.",
"bbox": [
0.163635498438126,
0.909881416408495,
0.32945355798444176,
0.9204194079870465
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "A MESSAGE FROM THE BOARD OF DIRECTORS",
"bbox": [
0.16073451898036858,
0.05912513781629151,
0.8946267804528913,
0.07429592088721264
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "\":Yk]\\\u0003gf\u0003*()1\u0003\\ak[dgkmj]k&",
"bbox": [
0.16302351666311932,
0.9568607919822099,
0.35166758349818045,
0.9633690918085676
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "Use For Revised Pages from 3-19-20",
"bbox": [
0.022380341831435505,
1.0212720308267293,
0.23320062751443976,
1.028528737230167
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": ".",
"bbox": [
0.23480320791912895,
1.0260383147998484,
0.2361365424262153,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "indd ",
"bbox": [
0.23811089279305223,
1.0213486584971538,
0.26075191986866486,
1.0269578541527915
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "14 ",
"bbox": [
0.2734700879480085,
1.0214636012207654,
0.28600855770274103,
1.0268505749270072
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "3/20/20 ",
"bbox": [
0.8914615598499266,
1.0212030642181824,
0.9333076803093283,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
},
{
"text": "9:13 AM",
"bbox": [
0.945025647807325,
1.0213486584971538,
0.9913077721228967,
1.0269885057081511
],
"ocr": false,
"ocr_confidence": 1
}
] | [
{
"index_in_doc": 200,
"label": "section_header",
"text": "A MESSAGE FROM THE BOARD OF DIRECTORS",
"bbox": [
0.1585626031598474,
0.057962429782287675,
0.8946267804528913,
0.07538636890864464
],
"data": []
},
{
"index_in_doc": 201,
"label": "text",
"text": "Dear Stakeholders,",
"bbox": [
0.16095474438789564,
0.11010001658784323,
0.322399661072299,
0.1202777653057152
],
"data": []
},
{
"index_in_doc": 202,
"label": "text",
"text": "As Synchrony's board of directors, we are committed to overseeing the creation of longterm value for our stakeholders. We believe that our stockholders are best served when Synchrony achieves results responsibly, based on a culture of doing what's right, and in a manner that delivers value to all stakeholders-including our cardholders, partners, employees, regulators, suppliers and communitities. We value this opportunity to share an overview of the board's actions to further our commitment to stockholders and other stakeholders during the past year.",
"bbox": [
0.16012933519151476,
0.13026040419460408,
0.8964009733281584,
0.23447633550846106
],
"data": []
},
{
"index_in_doc": 203,
"label": "section_header",
"text": "STRATEGY",
"bbox": [
0.1608893565642528,
0.24851442144596106,
0.2812186021071214,
0.26005357374481164
],
"data": []
},
{
"index_in_doc": 204,
"label": "text",
"text": "We actively oversee Synchrony's strategic direction and review our strategic plan regularly. At our annual two-day strategy meeting, we worked with management to build a longterm strategic plan focusing on growing the core and diversifying the business. We are pleased to share Synchrony's progress executing this plan:",
"bbox": [
0.16022664257603833,
0.269993106067409,
0.9049559373121995,
0.3279831302881545
],
"data": []
},
{
"index_in_doc": 205,
"label": "text",
"text": "- · Further diversifying Retail Card in e-commerce and mobile payments, extending our hYjlf]jk'ah oal' 9eYrgf Yf\\ hYjlf]jaf_ oal' HYqHYd lg dYmf[' N]fegÌk Õjkl%]n]j [j]\\al card, and expanding into new verticals such as telecommunications.",
"bbox": [
0.16088438441610745,
0.33746096244412516,
0.8915741749298878,
0.379623900275882
],
"data": []
},
{
"index_in_doc": 206,
"label": "text",
"text": "- · Positioning Payment Solutions for continued success by driving organic growth and developing Synchrony-branded consumer products like the Synchrony Car Care and Synchrony HOME card networks.",
"bbox": [
0.16065079126602563,
0.3880938338746209,
0.8782872257069645,
0.43095146559207376
],
"data": []
},
{
"index_in_doc": 207,
"label": "text",
"text": "- · Expanding our CareCredit network by creating broader acceptance and utility for our [Yj\\k Yf\\ egnaf_ aflg f]o Y\\bY[]f[a]k km[' Yk h]l afkmjYf[] Yf\\hYla]fl ÕfYf[aYd care platforms.",
"bbox": [
0.16081177475106004,
0.44037718791157804,
0.8882656912518363,
0.4825310834979646
],
"data": []
},
{
"index_in_doc": 208,
"label": "text",
"text": "- =ngdnaf_ gmj g÷]jaf_k af l'] \\aj][l%lg%[gfkme]j khY[]$ eYcaf_ ka_faÕ[Yfl hjg_j]kk building our consumer banking platform and launching Synchrony's general-purpose credit card.",
"bbox": [
0.1606709732968583,
0.4922975659522669,
0.8850615411742121,
0.5326058301280132
],
"data": []
},
{
"index_in_doc": 209,
"label": "text",
"text": "Looking ahead, Synchrony remains focused on improving all aspects of the customer experience, starting with a quick, seamless account opening process all the way through account self-servicing features. We will continue to invest heavily in digital innovations to develop new products and services that drive deeper customer relationships.",
"bbox": [
0.1605946793515458,
0.5440477782891323,
0.8955185066940438,
0.6021553906748882
],
"data": []
},
{
"index_in_doc": 210,
"label": "section_header",
"text": "BOARD EFFECTIVENESS",
"bbox": [
0.16115431500296307,
0.616232646683928,
0.42700619167751735,
0.6275937602894516
],
"data": []
},
{
"index_in_doc": 211,
"label": "text",
"text": "We partner with management to build a culture founded on strong values and a shared vision and mission. That culture stands for our commitment to do the right thing for all of our stakeholders. Included in this commitment is the recognition of the critical role that diversity and inclusion play in long-term, sustainable growth.",
"bbox": [
0.1600605239216079,
0.6368308816376317,
0.8971483279497195,
0.6946507011793582
],
"data": []
},
{
"index_in_doc": 212,
"label": "text",
"text": "Kqf['jgfq 'Yk l'] egkl \\an]jk] ZgYj\\ g^ \\aj][lgjk g^ Yfq ÕfYf[aYd k]jna[]k [gehYfq gj commercial bank in the Fortune 200.* * Our board includes four women directors and four minority directors, as well as cognitive diversity with expertise in consumer banking, credit cards, retail, technology, cybersecurityty, risk management, marketing, government Y÷Yajk Yf\\ Y[[gmflaf_& Af *()1$ o] Y\\\\]\\ log f]o \\aj][lgjk lg l'] ZgYj\\$ Zjaf_af_ expertise in healthcare and consumer sectors. Also, given the importance of technology and innovation to our future, we created a new board committee-the Technology Committee-to better leverage the board's technology expertise. This board diversity ]fYZd]k mk lg _ma\\] Yf\\ gn]jk]] eYfY_]e]fl egj] ]÷][lan]dq Zq Zjaf_af_ kljYl]_a[Yddq relevant, forward looking and inclusive perspectives to our boardroom.",
"bbox": [
0.16056143931853464,
0.7041850473688936,
0.9063178820487781,
0.8536839978448276
],
"data": []
},
{
"index_in_doc": 213,
"label": "text",
"text": "O] eYaflYaf kljgf_$ ]÷][lan] h]j^gjeYf[] Zq [gfka\\]jaf_ ZgYj\\ h]j^gjeYf[] Yl ]n]jq meeting and conducting a formal board evaluatition annually. Every third year, including in *()1$ o] ]f_Y_] Yf ]pl]jfYd [gfkmdlYfl lg ^Y[adalYl] l'] YffmYd]nYdmYlagf Yf\\ Z]f['eYjc board performance.",
"bbox": [
0.16045335622934195,
0.8634219504559786,
0.9002765101245326,
0.9208132377225016
],
"data": []
},
{
"index_in_doc": 214,
"label": "page_footer",
"text": "\":Yk]\\\u0003gf\u0003*()1\u0003\\ak[dgkmj]k&",
"bbox": [
0.16073169871273205,
0.9564324350953863,
0.3520451407147269,
0.9642578748603129
],
"data": []
},
{
"index_in_doc": 215,
"label": "text",
"text": "Use For Revised Pages from 3-19-20 . indd",
"bbox": [
0.022380341831435505,
1.0212720308267293,
0.26075191986866486,
1.028528737230167
],
"data": []
},
{
"index_in_doc": 216,
"label": "text",
"text": "14",
"bbox": [
0.2734700879480085,
1.0214636012207654,
0.28600855770274103,
1.0268505749270072
],
"data": []
},
{
"index_in_doc": 217,
"label": "text",
"text": "3/20/20",
"bbox": [
0.8914615598499266,
1.0212030642181824,
0.9333076803093283,
1.0269885057081511
],
"data": []
},
{
"index_in_doc": 218,
"label": "text",
"text": "9:13 AM",
"bbox": [
0.945025647807325,
1.0213486584971538,
0.9913077721228967,
1.0269885057081511
],
"data": []
}
] | {
"filename": "NYSE_SYF_2019.pdf",
"page": 11
} |
The ArGiMI Ardian datasets : text and images
The ArGiMi project is committed to open-source principles and data sharing. Thanks to our generous partners, we are releasing several valuable datasets to the public.
Dataset description
This dataset comprises 11,000 financial annual reports, written in english, meticulously extracted from their original PDF format to provide a valuable resource for researchers and developers in financial analysis and natural language processing (NLP). These reports were published from the late 90s to 2023.
This dataset provides images of each document pages. A lighter, text-only version, is also available at
artefactory/Argimi-Ardian-Finance-10k-text
.
You can load the dataset with:
from datasets import load_dataset
ds = load_dataset("artefactory/Argimi-Ardian-Finance-10k-text-image", split="train")
# Or you can stream the dataset to save memory space :
ds = load_dataset("artefactory/Argimi-Ardian-Finance-10k-text-image", split="train", streaming=True)
Dataset composition:
Each PDF was divided into individual pages to facilitate granular analysis.
For each page, the following data points were extracted:
- Raw Text: The complete textual content of the page, capturing all textual information present.
- Screenshot: A high-resolution image of the page, preserving the visual layout and formatting.
- Cells: Each cell within tables was identified and represented as a
Cell
object within thedocling
framework. EachCell
object encapsulates:id
: A unique identifier assigned to each cell, ensuring unambiguous referencing.text
: The textual content contained within the cell.bbox
: The precise bounding box coordinates of the cell, defining its location and dimensions on the page.- When OCR is employed, cells are further represented as
OcrCell
objects, which include an additionalconfidence
attribute. This attribute quantifies the confidence level of the OCR process in accurately recognizing the cell's textual content.
- Segments: Beyond individual cells,
docling
segments each page into distinct content units, each represented as aSegment
object. These segments provide a structured representation of the document's layout and content, encompassing elements such as tables, headers, paragraphs, and other structural components. EachSegment
object contains:text
: The textual content of the segment.bbox
: The bounding box coordinates, specifying the segment's position and size on the page.label
: A categorical label indicating the type of content the segment represents (e.g., "table," "header," "paragraph").
To guarantee unique identification, each document is assigned a distinct identifier derived from the hash of its content.
Parsing description:
The dataset creation involved a systematic process using the docling
library (Documentation).
- PDFs were processed using the
DocumentConverter
class, employing thePyPdfiumDocumentBackend
for handling of the PDF format. - To ensure high-quality extraction, the following
PdfPipelineOptions
were configured:pipeline_options = PdfPipelineOptions(ocr_options=EasyOcrOptions(use_gpu=True)) pipeline_options.images_scale = 2.0 # Scale image resolution by a factor of 2 pipeline_options.generate_page_images = True # Generate page images pipeline_options.do_ocr = True # Perform OCR pipeline_options.do_table_structure = True # Extract table structure pipeline_options.table_structure_options.do_cell_matching = True # Perform cell matching in tables pipeline_options.table_structure_options.mode = TableFormerMode.ACCURATE # Use accurate mode for table structure extraction
- These options collectively enable:
- GPU-accelerated Optical Character Recognition (OCR) via
EasyOcr
. - Upscaling of image resolution by a factor of 2, enhancing the clarity of visual elements.
- Generation of page images, providing a visual representation of each page within the document.
- Comprehensive table structure extraction, including cell matching, to accurately capture tabular data within the reports.
- The "accurate" mode for table structure extraction, prioritizing precision in identifying and delineating tables.
- GPU-accelerated Optical Character Recognition (OCR) via
Disclaimer:
This dataset, made available for experimental purposes as part of the ArGiMi research project, is provided "as is" for informational purposes only. The original publicly available data was provided by Ardian. Artefact has processed this dataset and now publicly releases it through Ardian, with Ardian's agreement. None of ArGiMi, Artefact, or Ardian make any representations or warranties of any kind (express or implied) regarding the completeness, accuracy, reliability, suitability, or availability of the dataset or its contents. Any reliance you place on such information is strictly at your own risk. In no event shall ArGiMi, Artefact, or Ardian be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this dataset. This disclaimer includes, but is not limited to, claims relating to intellectual property infringement, negligence, breach of contract, and defamation.
Acknowledgement:
The ArGiMi consortium gratefully acknowledges Ardian for their invaluable contribution in gathering the documents that comprise this dataset. Their effort and collaboration were essential in enabling the creation and release of this dataset for public use. The ArGiMi project is a collaborative project with Giskard, Mistral, INA and BnF, and is sponsored by the France 2030 program of the French Government.
Citation:
If you find our datasets useful for your research, consider citing us in your works:
@misc{argimi2024Datasets,
title={The ArGiMi datasets},
author={Hicham Randrianarivo, Charles Moslonka and Emmanuel Malherbe},
year={2024},
}
- Downloads last month
- 18