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  "documentTitle": "American Express Investor Day 2024",
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  "authorName": "American Express",
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  "notes": "The slide uses two line charts to demonstrate financial performance trends.",
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      "text": "Net Credit Margin has expanded vs. 2019; DQ rates are below 2019 and the gap to competitors has widened.",
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      "text": "Delinquency rate comparison chart",
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      "text": "Net Credit Margin: 12.4%",
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      "text": "Note: (1) Net Credit Margin is the difference between Net Interest Yield and Net Write-offs. Net Write-off Rates are principal only. Net Credit Margin and Net Interest Yield are non-GAAP measures. See Annex B for a reconciliation; (2) Delinquency rate represents 30+ days past due; peer average reflects weighted average of delinquency rates for top 5 US issuers",
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      "kind": "title",
      "text": "Our premium model also continues to deliver strong lend margins and best-in-class credit performance that has widened over time",
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