Capital Management and Funding Strategy

Card Member Loans and Card Member Receivables Credit Metrics AM EX 30+ Days Past Due* Net Write-off Rates* Pre-Pandemic 1.5% 1.1% 1.2% 1.2% 1.2% 0.9% Q4'19 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Pre-Pandemic 2.2% 1 1.8% 1.8% 1.6% 1.2% 0.9% Q4'19 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Corporate Net Write- off Rates (P&F)** 0.8% 0.4% 0.6% 0.6% 0.6% 0.6% Note: See Slide 16 for credit metrics for Card Member Loans and Card Member Receivables presented separately. Net write-off rates based on principal losses only unless otherwise indicated. See Statistical Tables for the third quarter of 2023, available at ir.americanexpress.com, for net write-off rates including interest and fees.* Card Member Loans and Card Member Receivables Net Write- off Rates and 30+ Days past due as a % both represent Global Consumer and Global Small Business Services Card Member Loans and Card Member Receivables (unavailable for Corporate). Corporate Net Write-off Rate based on principal and fee losses related to U.S. Corporate, International Corporate and Global Clients Receivables. ** 5

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