Investor Presentaiton

Card Member Credit Metrics Q4'19 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Card Member Loans Net Write-off Rate* 2.3% 0.8% 0.8% 1.1% 1.5% 1.7% 1.8% Card Member Receivables Net Write-off Rates* 1.9% 0.8% 1.0% 1.4% 1.9% 1.9% 1.9% Corporate Net Write-off Rates** 0.8% 0.3% 0.4% 0.6% 0.6% 0.6% 0.6% Card Member Loans 30+ Days Past Due*** 1.5% 0.7% 0.9% 1.0% 1.1% 1.1% 1.3% Card Member Receivables 30+ Days Past Due*** 1.4% 0.8% 1.1% 1.3% 1.4% 1.2% 1.1% AM EX *Net write-off rates based on principal losses only (unavailable for Corporate). See Statistical Tables for the third quarter of 2023, available at ir.americanexpress.com, for net write-off rates including interest and fees. ** Corporate Net Write-off Rate is based on principal and fee losses related to U.S Corporate, International Corporate and Global Clients receivables. *** 30+ Days past due represent Global Consumer and Global Small Business Services Card Member Loans and Card Member Receivables (unavailable for Corporate). 22 22

View entire presentation