Investor Roadshow Presentation - Wholesale Banking - Home - Our ...

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Worldwide Managed Loans Q2’06 vs. Q2’05 16% 6% 5% 5% 4% 1% AXP* Citi BAC (w/MBNA) COF** Discover JPM * On a GAAP basis, loans increased 29%. **Capital One Finance: U.S. Card portfolio only. Source: Company reports. 17
Managed Cardmember Loans 12/31/05 Other Lending 6% Costco 10% Other Co Brand 4% Blue Family 27% Optima Products 14% Total = $46B Delta 16% Lending on Charge 23% On a GAAP basis, total loans were $24.8B, which were comprised of: o Proprietary Lending (Blue Family, Optima Products, Other Lending) = 53%; Co Brand (Costco, Delta, Other Co Brand) = 27%; and Lending on Charge C = 20%. 18
Page 1 and 2: American Express Australian Debt In
Page 3 and 4: Agenda • Overview of American Exp
Page 5 and 6: Spend-Centric Model • The AXP spe
Page 7 and 8: AXP Performance vs. Long Term Targe
Page 9 and 10: Returns: AXP ROE 1995 - YTD’06 40
Page 11 and 12: Metric Trends FY 2003 FY 2004 FY 20
Page 13 and 14: AXP Average Spend vs. Visa/MasterCa
Page 15 and 16: Worldwide Total Cards-In-Force 1999
Page 17: Average Discount Rate 3.50% 3.35% 3
Page 21 and 22: Risk Management • Credit loss and
Page 23 and 24: Credit Performance - U.S. Industry
Page 25 and 26: Forecasted U.S. Consumer Spend Grow
Page 27 and 28: AXP U.S. GNS Partners YTD 2006 Visa
Page 29 and 30: Cardmember Behavior U.S. Results, 2
Page 31 and 32: Company Overview Full Year ended De
Page 33 and 34: Global Network & Merchant Services
Page 39 and 40: Credco Key Financial Metrics Americ
Page 41 and 42: Liquidity Management • Philosophy
Page 43 and 44: Credco A$ Financing Objectives •
Page 45 and 46: Appendix - Credco Income Statements
Page 47: Appendix - Note • Discount rate i

Investor Roadshow Presentation - Wholesale Banking - Home - Our ...

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