Below are the financial statements of American Express, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in billions of USD | 2024 | 2023 | 2022 |
|---|---|---|---|
| Revenues | — | — | — |
| Non-interest revenues | — | — | — |
| Discount revenue | 35.19a | 33.42a | 30.74a |
| Net card fees | 8.45a | 7.26a | 6.07a |
| Service fees and other revenue | 5.13a | 5.01a | 4.52a |
| Processed revenue | 1.64a | 1.71a | 1.64a |
| Total non-interest revenues | 50.41a | 47.38a | 42.97a |
| Interest income | — | — | — |
| Interest on loans | 21.1a | 17.7a | 11.97a |
| Interest and dividends on investment securities | 0.09a | 0.13a | 0.1a |
| Deposits with banks and other | 2.61a | 2.16a | 0.6a |
| Total interest income | 23.8a | 19.98a | 12.66a |
| Interest expense | — | — | — |
| Deposits | -5.7a | -4.87a | -1.53a |
| Long-term debt and other | -2.56a | -1.98a | -1.24a |
| Total interest expense | -8.25a | -6.85a | -2.76a |
| Net interest income | 15.54a | 13.13a | 9.9a |
| Total revenues net of interest expense | 65.95a | 60.52a | 52.86a |
| Provisions for credit losses | — | — | — |
| Card member receivables | -0.77a | -0.88a | -0.63a |
| Card member loans | -4.11a | -3.84a | -1.51a |
| Other | -0.3a | -0.2a | -0.04a |
| Total provisions for credit losses | -5.19a | -4.92a | -2.18a |
| Total revenues net of interest expense after provisions for credit losses | 60.76a | 55.59a | 50.68a |
| Expenses | — | — | — |
| Card member rewards | -16.6a | -15.37a | -14a |
| Business development | -5.89a | -5.66a | -4.94a |
| Card member services | -4.78a | -3.97a | -2.96a |
| Marketing | -6.04a | -5.21a | -5.46a |
| Salaries and employee benefits | -8.2a | -8.07a | -7.25a |
| Other, net | -6.36a | -6.81a | -6.48a |
| Total expenses | -47.87a | -45.08a | -41.1a |
| Pretax income | 12.9a | 10.51a | 9.59a |
| Income tax provision | -2.77a | -2.14a | -2.07a |
| Net income | 10.13a | 8.37a | 7.51a |
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