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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 a dual-panel layout to highlight competitive advantage in both growth (spend capacity) and risk (delinquency).",
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      "text": "US SBS Delinquency Rates, Competitors vs. AXP",
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      "text": "~3.3x",
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      "text": "Delinquency Rate: ~3.3x",
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      "text": "Avg AXP spend capacity vs competitors for SBS customers spending $1M+",
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      "text": "Note: (1) Data used: Sep 2023 AXP US SBS Customers with Annual spend >$1MM, Small Business Financial Exchange (SBFE) data from Duns & Bradstreet used for competitor capacity. Capacity = Maximum (Exposure, Line) (2) US SBS delinquency rates represent Small Business Card Member Loans and Card Member Receivables. Source: Experian Analytical Sandbox, with delinquency defined as 60 days past billing, or approximately 30 days past due",
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      "kind": "title",
      "text": "Our exposure management capabilities provide more spend capacity, while controlling credit losses",
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