American Express Investor Day 2024

American Express
arc beats above · slides in the middle · loops below · scroll → 2 LOOPS
SETUP TENSION ANALYSIS EVIDENCE RESOLUTION APPENDIX
HOVER FOR DETAILS · CLICK A SLIDE FOR FULLSCREEN · STEP 10
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Deck intelligence map

4
coverage by narrative range · generated from this deck JSON

Slide inventory

201
every slide · same image gating as the playbook
01
Slide 1
front_matter
Open slide detailBeat · Attention
02
establish_context
Open slide detailBeat · Attention
03
summarize
Open slide detailBeat · AttentionLoop · Golden Circle
04
The slide uses a simple flow from industry context to company focus to future aspiration.summarize
Open slide detailBeat · AttentionLoop · Golden Circle
05
The slide uses a combination of a pillar-based competitive advantage layout and a network-effect diagram.present_solution
Open slide detailBeat · InterestLoop · Golden Circle
06
summarize
Open slide detailBeat · InterestLoop · Golden Circle
07
The chart uses vertical dashed lines to segment growth periods (6%, 9%, 19% CAGR). EPS data is provided in a table format below the x-axis.analyze_data
Open slide detailBeat · InterestLoop · Golden Circle
08
summarize
Open slide detailBeat · InterestLoop · Golden Circle
09
Includes a hub-and-spoke diagram representing the Membership Model.present_solution
Open slide detailBeat · InterestLoop · Golden Circle
10
summarize
Open slide detailBeat · InterestLoop · Golden Circle
11
The slide uses a circular flow diagram to represent the business model leading to specific financial targets.present_solution
Open slide detailBeat · Desire
12
summarize
Open slide detailBeat · Desire
13
summarize
Open slide detailBeat · Desire
14
establish_context
Open slide detailBeat · Desire
15
The diagram is a custom hub-and-spoke model showing the integration of Spend, Fees, and Lend around Card Membership, surrounded by benefit categories.present_framework
Open slide detailBeat · Desire
16
The diagram on the left is a circular hub-and-spoke model showing the integration of Spend, Fees, and Lend around Card Membership, surrounded by service categorsummarize
Open slide detailBeat · Desire
17
The slide uses a grid of metric cards to demonstrate competitive advantage.quantify_impact
Open slide detailBeat · Desire
18
Data points represent growth multiples and fee increases post-refresh for specific card products in US, Australia, and Japan.illustrate_case
Open slide detailBeat · Desire
19
The slide highlights AXP's competitive advantage in fee generation, spend volume, and a distinct revenue mix compared to the peer average.compare_peers
Open slide detailBeat · Desire
20
The slide uses two line charts to demonstrate financial performance trends.compare_peers
Open slide detailBeat · Desire
21
The chart shows US Consumer Delinquency Rate trends from 2018 to 2023, highlighting the performance gap between AXP and non-AXP customers.quantify_impact
22
summarize
23
The diagram is a hub-and-spoke model showing the integration of services around the core card membership.present_framework
24
The slide uses a three-column layout to categorize innovation activities.present_solution
25
The slide uses a combination of a four-pillar framework for product design and a horizontal timeline for execution.illustrate_case
26
The slide uses a combination of a bar chart and two comparison tables to highlight customer quality metrics (Fee paying, Lending, Spending, FICO).quantify_impact
27
Slide 27 of a deck, likely American Express (AMEX logo visible).quantify_impact
28
The slide uses a stacked bar chart for growth and a comparative table-like layout for credit risk metrics.quantify_impact
29
The slide uses three vertical pillars to present key performance indicators related to lending strategy.summarize
30
The slide uses a grid layout to categorize service offerings, each with a mix of qualitative benefits and quantitative impact metrics.summarize
31
The slide uses a table-like structure to map service categories to value propositions and performance metrics.quantify_impact
32
Slide 32 of an American Express investor presentation.quantify_impact
33
The slide uses two bar charts to show growth metrics (3.0x and 5.4x) and visual examples of card benefits.summarize
34
The slide uses a 4-column layout to categorize partnership types with associated metrics and brand logos.present_solution
35
The slide uses a circular diagram to represent the flywheel effect.present_framework
36
summarize
37
Note (1) provides source context for FICO data.summarize
38
establish_context
39
The chart uses a CAGR projection starting from 2023E.size_opportunity
40
The slide uses a bar chart to demonstrate that premium and younger segments are growing faster than the broader industry.quantify_impact
41
The slide uses a 3x2 grid of metrics to support the thesis of growth potential.summarize
42
summarize
43
transition
44
summarize
45
summarize
46
The slide highlights market growth CAGR and AXP market share gain.quantify_impact
47
The slide uses a stacked bar chart to show growth contributions and a list to categorize drivers of spend.analyze_data
48
The slide uses a three-column layout to present distinct market drivers.size_opportunity
49
summarize
50
The slide uses a comparison table structure to show evolution in product strategy.compare_options
51
Note: Global Commercial Services (GCS) segment results for 2019, Commercial Services (CS) segment results for 2023; effective Q3'22, reportable operating segmenquantify_impact
52
summarize
53
Slide 53 of the deck.summarize
54
summarize
55
The slide uses a combination of product imagery, benefit icons, and two bar charts to validate the value proposition.quantify_impact
56
The slide uses a matrix-like structure to map customer segments to strategic levers, followed by a bar chart showing growth.quantify_impact
57
The slide uses a dual-panel layout to highlight competitive advantage in both growth (spend capacity) and risk (delinquency).compare_peers
58
The slide uses a simple flow diagram to connect internal functions to a key performance metric.quantify_impact
59
summarize
60
The slide uses a simple flow diagram to show two primary drivers leading to a single outcome.present_solution
61
quantify_impact
62
The slide uses a combination of a bar chart and a visual callout to demonstrate marketing effectiveness.quantify_impact
63
Includes a play button icon suggesting this might be from a video presentation or interactive deck.size_opportunity
64
The slide uses a logo-grid layout to showcase key corporate partners.establish_context
65
Uses a causal flow diagram to link strategic pillars to the ultimate goal.present_solution
66
The slide uses a 2x2 grid layout to present four distinct strategic pillars.quantify_impact
67
The slide uses a linear process flow to connect operational steps to a quantitative business outcome.quantify_impact
68
The slide uses a hub-and-spoke diagram to illustrate the integration of various financial products into a single mobile interface.quantify_impact
69
The slide highlights a gap between spend share and lend share, suggesting an opportunity for growth.quantify_impact
70
The slide uses screenshots of mobile app interfaces to illustrate product usage.quantify_impact
71
summarize
72
summarize
73
summarize
74
summarize
75
The slide uses bar charts to visualize growth metrics for two key financial indicators.quantify_impact
76
summarize
77
The slide uses a map to visualize geographic concentration of revenue. Data source is Q2 2023 McKinsey Global Payments Map.quantify_impact
78
The slide compares company-specific growth rates (+12% and +20%) against industry benchmarks (7% and 7%).quantify_impact
79
The chart compares AXP growth rates (+17% and +18%) against industry CAGR (8%) for two distinct periods.quantify_impact
80
The chart highlights Mexico as the highest share market at 11%, with a dashed line representing the weighted average share across these top 5 countries.size_opportunity
81
summarize
82
The slide uses three distinct panels to demonstrate spending power, credit quality (delinquency rates), and product mix.quantify_impact
83
The slide uses a three-column layout to present comparative spending, growth trends, and market penetration metrics.size_opportunity
84
The slide uses donut charts to highlight the premium nature of the customer base through specific spending behaviors.quantify_impact
85
The slide emphasizes the growth potential in lending for the international segment.quantify_impact
86
summarize
87
The slide uses a hub-and-spoke style diagram to illustrate the integration of Spend, Fees, and Lend around Card Membership, surrounded by benefit categories.present_framework
88
summarize
89
Data points: AUS fee +21%, $957, ~2.5x growth; JP fee +18%, $1,117, ~1.5x growth.quantify_impact
90
present_solution
91
The slide uses a circular flow diagram to represent the exchange of innovation.present_solution
92
Includes footnotes for definitions and methodology.quantify_impact
93
The slide uses a bar chart to show growth over time (2017, 2019, 2023) and a donut chart to show the 2023 fee-based product mix.quantify_impact
94
The slide uses two large metrics to demonstrate business performance.quantify_impact
95
Includes data on merchant growth in China and acceptance rates across e-commerce, tourism, and transport sectors.quantify_impact
96
summarize
97
summarize
98
summarize
99
transition
100
The chart shows a clear upward trend in merchant acceptance locations, with supporting qualitative points on the right.quantify_impact
101
The slide uses a two-column layout to categorize merchant acquisition strategies.present_framework
102
The data compares 2023 vs 2019 performance.quantify_impact
103
The U.S. Merchant Acceptance card is highlighted in blue, indicating it is the primary focus of the current section.transition
104
The slide highlights the achievement of 99% coverage parity starting in 2019.quantify_impact
105
The slide uses indexed data to show relative growth and comparative performance across generations.quantify_impact
106
The chart shows a 21% CAGR for the 2020-2023 period.size_opportunity
107
transition
108
transition
109
present_solution
110
The slide uses a before-after framing to show growth in two key metrics.quantify_impact
111
The chart compares 2021 vs 2023 acceptance percentages for e-Commerce, Tourist Attractions, Transport, and Lodging.quantify_impact
112
LIF stands for 'Location in Force' or similar merchant coverage metric; chart uses a waterfall-style stacked bar approach to show progress.quantify_impact
113
LIF likely stands for Local Issuance/Acquiring Footprint or similar coverage metric.quantify_impact
114
The slide uses a play button icon to suggest a transition or continuation of strategy from Mexico to Europe.quantify_impact
115
The slide uses a two-part structure: quantitative bar charts for coverage and symbolic representation for spend.quantify_impact
116
transition
117
The slide uses a hub-and-spoke diagram to represent the network and icon grids for ecosystem features.present_solution
118
present_solution
119
The slide uses a three-column layout: strategic assets on the left, and two bar charts showing growth projections for value and member participation.quantify_impact
120
The triangle diagram represents the ecosystem structure.illustrate_case
121
The slide highlights Amex's expansion in transit payments with specific metrics for US, Japan, Canada, and ROW.quantify_impact
Open slide detailBeat · Action
122
summarize
Open slide detailBeat · Action
123
summarize
Open slide detailBeat · Action
124
summarize
Open slide detailBeat · Action
125
summarize
Open slide detailBeat · Action
126
The chart demonstrates operating leverage by showing revenue increasing while the percentage of revenue spent on tech expenses decreases.quantify_impact
Open slide detailBeat · ActionLoop · Cost Of Inaction
127
The chart uses a blue bar to highlight the future target aspiration.quantify_impact
Open slide detailBeat · ActionLoop · Cost Of Inaction
128
The chart shows a clear upward trend in digital engagement for both low and high tenure segments from 2019 to 2023.quantify_impact
Open slide detailBeat · ActionLoop · Cost Of Inaction
129
The chart shows a clear upward trend in digital engagement across both age groups, with younger customers consistently showing higher digital activity.analyze_data
Open slide detailBeat · ActionLoop · Cost Of Inaction
130
The chart highlights the cost-efficiency shift as chat adoption increases and overall interaction frequency decreases.quantify_impact
Open slide detailBeat · ActionLoop · Cost Of Inaction
131
quantify_impact
Open slide detailBeat · ActionLoop · Cost Of Inaction
132
transition
Open slide detailBeat · ActionLoop · Cost Of Inaction
133
The slide uses a hub-and-spoke style diagram to show the central role of technology in the Amex business model.present_framework
Open slide detailBeat · ActionLoop · Cost Of Inaction
134
The slide uses a hub-and-spoke style layout to show connectivity between three main pillars, supported by a base layer of technology.present_framework
Open slide detailBeat · ActionLoop · Cost Of Inaction
135
The slide uses a timeline framework to categorize platform development into 'On-Going' (grey) and 'Starting in 2024' (blue).plan_implementation
Open slide detailBeat · ActionLoop · Cost Of Inaction
136
The slide highlights the impact of technology on key business performance indicators.quantify_impact
Open slide detailBeat · ActionLoop · Cost Of Inaction
137
The slide uses a horizontal timeline with alternating top and bottom callout boxes to represent historical milestones.summarize
Open slide detailBeat · Action
138
The slide uses a numbered list format to categorize AI initiatives. The 'Productivity' column is highlighted with a dashed border.present_solution
Open slide detailBeat · Action
139
quantify_impact
Open slide detailBeat · Action
140
transition
Open slide detailBeat · Action
141
The slide uses a hub-and-spoke style diagram to illustrate the business model.present_framework
Open slide detailBeat · Action
142
Industry average based on third-party estimates.compare_peers
Open slide detailBeat · Action
143
present_solution
Open slide detailBeat · Action
144
VIBES stands for Valuing Interactions By Evaluating Satisfaction.summarize
Open slide detailBeat · Action
145
summarize
Open slide detailBeat · Action
146
Uses a process-flow style layout with a central screenshot of a customer portal.present_solution
Open slide detailBeat · Action
147
summarize
Open slide detailBeat · Action
148
transition
Open slide detailBeat · Action
149
summarize
Open slide detailBeat · Action
150
Data source: Q2 2023 McKinsey Global Payments Map.size_opportunity
Open slide detailBeat · Action
151
The chart aggregates revenue shares for US, top 5, and next 10 countries, totaling 81% for focus geographies.size_opportunity
Open slide detailBeat · Action
152
size_opportunity
Open slide detailBeat · Action
153
The chart includes a trend line and a specific data point for 2023 at $6T.establish_context
Open slide detailBeat · Action
154
summarize
Open slide detailBeat · Action
155
The slide uses a flywheel/virtuous cycle diagram to connect operational activities to financial outcomes.present_solution
Open slide detailBeat · Action
156
decompose_segments
Open slide detailBeat · Action
157
The slide uses a combination of bar charts and a mobile app screenshot to demonstrate the success of the Amex Offers program.quantify_impact
Open slide detailBeat · Action
158
The slide uses a 4-column layout to present key performance metrics following a specific product refresh event.quantify_impact
Open slide detailBeat · Action
159
The slide uses a circular process diagram (flywheel-like) to show how marketing initiatives, risk, and data drive financial returns.present_solution
Open slide detailBeat · Action
160
The slide uses growth multipliers (1.4x and 1.6x) to highlight the efficiency of increased marketing investment.quantify_impact
Open slide detailBeat · Action
161
The slide uses an indexed value (Gen X = 1.0) to compare lifetime value across age cohorts.quantify_impact
Open slide detailBeat · Action
162
The slide uses a stacked bar chart to show the shift in funding composition and circles to show cost of funds spread.quantify_impact
Open slide detailBeat · Action
163
The chart illustrates the compounding effect of new customer acquisition vintages on total revenue.quantify_impact
Open slide detailBeat · Action
164
summarize
Open slide detailBeat · Action
165
The slide compares historical revenue mix (2006 vs 2023) and loan growth (2019 vs 2023) with specific adjustments for NII and fee-based lending.quantify_impact
Open slide detailBeat · Action
166
Includes a footnote regarding a change in accounting recognition in 2021.quantify_impact
Open slide detailBeat · Action
167
summarize
Open slide detailBeat · Action
168
Data compares AXP to a weighted average of top 5 US issuers (JPM, C, COF, BAC, DFS).compare_peers
Open slide detailBeat · Action
169
The slide highlights a shift towards fee-based products and higher FICO scores, while reducing reliance on balance transfers.compare_options
Open slide detailBeat · Action
170
present_solution
Open slide detailBeat · Action
171
quantify_impact
Open slide detailBeat · Action
172
The slide uses a simple causal flow diagram to link strategic drivers to a financial outcome.summarize
Open slide detailBeat · Action
173
summarize
Open slide detailBeat · Action
174
The slide uses two bar charts to compare historical ROE and relative performance against the S&P 500.quantify_impact
Open slide detailBeat · Action
175
The chart shows 33 banks; American Express is the rightmost bar with 7.1.quantify_impact
Open slide detailBeat · Action
176
The chart uses a non-GAAP measure for EPS, with specific adjustments noted for 2017 and 2018 related to the Tax Cuts and Jobs Act.quantify_impact
Open slide detailBeat · Action
177
The chart combines a line graph for dividends and a bar chart for share repurchases.quantify_impact
Open slide detailBeat · Action
178
The slide uses a dual-chart approach to show capital adequacy (CET1) and capital return/equity growth (shares vs equity).quantify_impact
Open slide detailBeat · Action
179
The slide highlights revenue growth, credit quality improvement relative to peers, EPS growth, and dividend distribution.quantify_impact
Open slide detailBeat · Action
180
The slide uses a parallel structure to link past actions to future growth drivers.summarize
Open slide detailBeat · Action
181
summarize
Open slide detailBeat · Action
182
This appears to be a branding or filler slide in a corporate presentation.other
Open slide detailBeat · Action
183
appendix
Open slide detailBeat · Action
184
appendix
Open slide detailBeat · Action
185
The slide provides financial adjustments for tax impacts to normalize EPS comparisons across different fiscal years.analyze_data
Open slide detailBeat · Action
186
Includes non-GAAP reconciliation for adjusted net interest income and net interest yield.analyze_data
Open slide detailBeat · Action
187
Data in billions of dollars. Includes CAGR and YoY growth metrics.analyze_data
Open slide detailBeat · Action
188
Includes CAGR and YoY growth metrics alongside absolute revenue figures in billions.analyze_data
Open slide detailBeat · Action
189
Subtotals may not foot due to rounding.analyze_data
Open slide detailBeat · Action
190
The table compares reported vs FX-adjusted metrics for 2017, 2019, 2022, and 2023.analyze_data
Open slide detailBeat · Action
191
Includes CAGR and YoY growth percentages alongside absolute dollar values in billions.analyze_data
Open slide detailBeat · Action
192
appendix
Open slide detailBeat · Action
193
The table shows the impact of securitization activities on GAAP revenue figures.analyze_data
Open slide detailBeat · Action
194
The table reconciles GAAP figures to adjusted figures by accounting for the funding mix impact.analyze_data
Open slide detailBeat · Action
195
summarize
Open slide detailBeat · Action
196
other
Open slide detailBeat · Action
197
other
Open slide detailBeat · Action
198
other
Open slide detailBeat · Action
199
other
Open slide detailBeat · Action
200
other
Open slide detailBeat · Action
201
front_matter
Open slide detailBeat · Action