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  "documentTitle": "American Express Investor Day 2024",
  "authorId": "McKinsey",
  "authorName": "American Express",
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  "notes": "The slide uses a stacked bar chart to show the shift in funding composition and circles to show cost of funds spread.",
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      "kind": "callout",
      "text": "~$1B NII Benefit in '23 vs '17",
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      "kind": "disclaimer",
      "text": "Note: (1) Weighted average rate computed based on 2023 mix of 3rd Party Sweep Deposits and 3rd Party Retail CDs; (2) Net interest income benefit is calculated by applying the funding mix in 2017 to the 2023 new issuance cost of funds for each channel compared to customer deposits",
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      "text": "Net Interest Income: ~$1B",
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      "kind": "title",
      "text": "The growth in our deposit program has transformed our Net Interest Income since 2017, adding ~$1B of Revenue in 2023",
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