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Investor Presentaiton

Revenue Performance ($ in millions) Q3'23 Q3'23 Q3'22 YOY% Inc/(Dec) % of Total Revenue Discount Revenue $8,408 $7,848 7% 55% Net Card Fees $1,846 $1,541 20% 12% Service Fees and Other Revenue $1,261 $1,169 8% 8% Processed Revenue $424 $420 1% 3% Net Interest Income $3,442 $2,578 34% 22% Revenues Net of Interest Expense $15,381 $13,556 13% 100% FX-Adjusted* $13,652 13% See Variance Commentary in the appendix section for an explanation of the revenue variances versus last year. Subtotals may not add to 100% due to rounding. * Total Revenues Net of Interest Expense adjusted for FX and the related growth rate are non-GAAP measures. See Slide 2 for an explanation of FX-adjusted information. AM EX 11
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