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  "documentTitle": "American Express Investor Day 2024",
  "authorId": "McKinsey",
  "authorName": "American Express",
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  "notes": "The slide emphasizes the growth potential in lending for the international segment.",
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      "text": "Note: Figures based on FY 2023. (1) AXP International Revenue, Net Interest Income and Spend & Fee Revenues, each excluding GNS are non-GAAP measures. See Annex D for a reconciliation.",
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      "text": "Opportunity to capture incremental borrowing behavior from our customers; High card fees and cross-border revenue contribute to our Spend & Fee Revenues",
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      "text": "This premium base drives revenue from Spend & Fees, and presents an opportunity to grow on lend",
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