Dec 05, 2023 / 01:00PM GMT
Ryan Matthew Nash - Goldman Sachs Group, Inc., Research Division - MD
We get started here. Kicking off the conference for the second year in a row. We're excited to once again have Synchrony Financial. Synchrony has continued to manage the credit cycle better than most as losses during 2023 have remained below pre-pandemic levels, all while continuing to deliver double-digit growth and continuing to return capital to shareholders.
Joining us to bring their insights are CEO, Brian Doubles; and CFO, Brian Wenzel. So today's presentation is going to be a fireside chat. So Brian, Brian, welcome.
Questions and Answers:
Ryan Matthew Nash - Goldman Sachs Group, Inc., Research Division - MDI want to start with the health of the consumer. We've seen spending volumes slow a bit. Average transaction values are leveling up, but they're still up 5%, but it's clear the consumer is feeling some stress. So maybe just talk about what you're seeing out of the consumer, any recent changes in spending patterns, whether across prime or near prime. And where do you
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