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  "documentTitle": "American Express Investor Day 2024",
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      "text": "Billed Business (Card Member spending): Represents transaction volumes (including cash advances) on cards and other payment products issued by American Express.\nBilled Business Retention: Calculated as 100% minus the percentage of prior year Billed Business from Card Members that attrited in the current period. Attrited Card Members are defined as customers with > 13 months tenure who closed all account relationships, calculated separately at the Business Unit level.\nFX-Adjusted: FX-adjusted information assumes a constant exchange rate between the periods being compared for purposes of currency translation into U.S. dollars (for example, assumes FY'23 foreign exchange rates apply to FY'22 results).\nLocations in Force (LIF): Represent proprietary and partner acquired merchant locations. LIF Coverage is the number of merchants who are enabled to accept Amex, as a percentage of all card-accepting merchants.\nNet promoter score (NPS): The metric is calculated from ratings given by customers in response to a question that asks the customer if they were having a conversation with a peer, how likely would they be to recommend American Express, using a 1-10 scale where \"1\" means \"Not at all Likely\" and \"10\" means \"Extremely Likely.\" Customers who respond with a rating of 9 or 10 are \"Promoters\" while customers who respond with a rating between 1 and 6 are \"Detractors.\" The Net Promoter Score is calculated by subtracting the percentage of Detractors from the percentage of Promoters. The survey, conducted annually, is done via email and phone and administered by an independent research company on behalf of American Express.\nNew Accounts Acquired (NAA): Includes new card acquisitions less supplementary cards.\nOperating Expenses: Represent salaries and employee benefits, professional services, data processing and equipment, and other expenses.\nReturn on Average Equity (ROE): Calculated by dividing net income for the period by average shareholders' equity for the period.",
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