Capital Management and Funding Strategy

Total Network Volumes Growth ($in billions) $427 $413 $420 Total Network Volumes $395 $394 $399 $59 $54 $56 $350 $54 $55 $53 Processed Volumes $49 AM EX G&S, 6% YoY Billed Business $341 $357 $368 $366 $339 $346 $301 T&E, 13% YoY Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 % Increase/(decrease) vs. Prior Year (FX-adjusted): Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Billed Business 35% 30% 24% 15% 16% 8% 7% Processed Volumes 15% 19% 19% 17% 15% 13% (1%) Total Network 32% 28% 23% 16% 16% 9% 6% Volumes Note: All growth rates reflect FX-adjusted rates. See Annex 1 for reported billings growth rates. Billed business represents transaction volumes on payment products issued by American Express. Processed volumes represent transaction volumes from cards issued by network partners and alternative payment solutions facilitated by American Express. G&S= Goods & Services billed business. T&E = Travel & Entertainment billed business. 3

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