Capital Management and Funding Strategy

Total Reserves ($ in billions) Balance Sheet Credit Reserves* $4.7 $0.3 $5.0 $0.2 Card Member $4.3 $0.3 $0.2 Receivables $0.1 Total Loans $4.5 $4.2 Reserves as a % of: Total Loans & CM Receivables Total Loans CM Receivables Q1'20 Beginning Reserves Q2'23 Ending Reserves 2.9% 4.6% 0.2% 2.6% 3.7% 0.4% $4.8 Q3'23 Ending Reserves 2.7% 3.9% 0.3% * Q1'20, Q2'23 and Q3'23 Balance Sheet credit reserve builds differ from P&L credit reserve builds due to other receivables and FX impacts. Reserve subtotals may not foot due to rounding. AM EX 6

View entire presentation