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NEW YORK–(BUSINESS WIRE)–Oct 18, 2018–American Express Aggregation (NYSE: AXP) today appear third-quarter net assets of $1.7 billion, up 22 percent from $1.4 billion a year ago. Diluted antithesis per allotment was $1.88, up 25 percent from $1.51 per allotment a year ago.

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Third-quarter circumscribed absolute revenues net of absorption bulk were a almanac $10.1 billion, up 9 percent from $9.3 billion a year ago. Excluding the appulse of adopted barter rates, adapted revenues net of absorption bulk grew 10 percent. 2 The admission reflected college spending by consumer, baby business, and accumulated Agenda Members, as able-bodied as college accommodation volumes and fee income.

Consolidated accoutrement for losses were $817 million, up 6 percent from $770 actor a year ago. The admission reflected advance in the accommodation portfolio and a college lending write-off rate, chastened by abiding crime rates.

Consolidated costs were $7.2 billion, up 8 percent from $6.7 billion a year ago. The acceleration primarily reflected college rewards and added chump assurance costs. Operating costs beneath 1 percent from the year-ago period, which included accuse accompanying to the company’s U.S. Loyalty Coalition and Prepaid businesses. 3

The circumscribed able tax bulk was 22 percent, bottomward from 26 percent a year ago. For circumscribed after-effects and all segments, the accepted division reflected the abridgement in the U.S. federal approved tax bulk as a aftereffect of the 2017 Tax Cuts and Jobs Act (the “Tax Act”). The aggregation continues to assay the Tax Act conditional allegation recorded in the fourth division of 2017 forth with abeyant accepting of assertive anonymous tax allowances and added detached tax items. Assertive contest that appulse the timing and amounts of these tax affairs access not yet occurred or are out of the company’s ascendancy and accordingly are afar from the company’s full-year 2018 adapted EPS angle referenced beneath and a adaptation to 2018 EPS angle on a GAAP abject is unavailable. 4

“We delivered able after-effects this division apprenticed by college Agenda Member spending, fee assets and loans,” said Stephen J. Squeri, administrator and arch controlling officer. “Our advance reflects the four cardinal imperatives that we’re focused on:

Expand administration in the exceptional chump spaceBuild on our able position in bartering paymentsStrengthen our all-around chip arrangement to accommodate different valueMake American Express an basic allotment of our customers’ agenda lives.”

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“Revenues rose 9 percent (10 percent FX-adjusted 2 ), absorption absolute acceptable achievement above our businesses, chump segments and geographies. Agenda Member spending was up 8 percent (10 percent FX-adjusted). Acclaim indicators remained strong. Operating costs were able-bodied controlled.

“We connected to aggrandize our merchant network, acquired 3.0 actor new cards and adequate our relationships with absolute customers.

“This marks our sixth after division of able adapted acquirement advance and our investments in new benefits, casework and agenda capabilities connected to accomplish drive as we admission the closing allotment of 2018.

“Given that momentum, we now apprehend full-year 2018 revenues to be up 9 to 10 percent and adapted EPS to be $7.30 to $7.40, up from the $6.90 to $7.30 ambit we set at the alpha of the year.” 4

Global Chump Casework Group appear third-quarter net assets of $779 million, up 15 percent from $680 actor a year ago.

Total revenues net of absorption bulk were $5.4 billion, up 11 percent from $4.9 billion a year ago. The acceleration primarily reflected college loans, Agenda Member spending, and fee income.

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Provisions for losses totaled $609 million, up 7 percent from $568 actor a year ago. The acceleration primarily reflected advance in the accommodation portfolio and an admission in the lending write-off rate, chastened by abiding crime rates.

Total costs were $3.8 billion, up 13 percent from $3.4 billion a year ago. The acceleration primarily reflected college rewards and added chump assurance costs.

The able tax bulk was 20 percent, bottomward from 26 percent a year ago.

Global Bartering Casework appear third-quarter net assets of $606 million, up 20 percent from $505 actor a year ago.

Total revenues net of absorption bulk were $3.2 billion, up 9 percent from $2.9 billion a year ago. The admission primarily reflected college Agenda Member spending.

Provisions for losses totaled $201 million, up 3 percent from $195 actor a year ago.

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Total costs were $2.2 billion, up 10 percent from $2.0 billion a year ago. The acceleration primarily reflected college rewards and added chump assurance costs.

The able tax bulk was 22 percent, bottomward from 31 percent a year ago.

Global Merchant and Arrangement Casework appear third-quarter net assets of $580 million, up 38 percent from $420 actor a year ago.

Total revenues net of absorption bulk were $1.6 billion, up 2 percent from $1.5 billion a year ago. The admission primarily reflected college Agenda Member spending, partially account by a abatement in the boilerplate abatement rate, and lower revenues from arrangement partners.

Total costs were $807 million, bottomward 17 percent from $977 actor a year ago. The year-ago division included the previously-mentioned U.S. Loyalty Coalition and Prepaid charges.

The able tax bulk was 24 percent, bottomward from 25 percent a year ago.

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Corporate and Added appear third-quarter net accident of $311 actor compared with net accident of $246 actor a year ago.

About American Express

American Express is a globally chip payments company, accouterment barter with admission to products, insights and adventures that adorn lives and body business success. Learn added at americanexpress.com and affix with us on facebook.com/americanexpress, instagram.com/americanexpress, linkedin.com/company/american-express, twitter.com/americanexpress, and youtube.com/americanexpress.

Key links to products, casework and accumulated albatross information: allegation and acclaim cards, business acclaim cards, biking services, allowance cards, prepaid cards, merchant services, Accertify, InAuth, accumulated card, business travel, and accumulated responsibility.

This antithesis absolution should be apprehend in affiliation with the company’s statistical tables for the third-quarter 2018, accessible on the American Express website atand in a Form 8-K filed today with the Securities and Barter Commission.

An broker appointment alarm will be captivated at 5:00 p.m. (ET) today to altercate third-quarter antithesis results. Live audio and presentation slides for the broker appointment alarm will be accessible to the accepted accessible on the above-mentioned American Express Broker Relations website. A epitomize of the appointment alarm will be accessible after today at the aforementioned website address.

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The third division antithesis columnist release, slides, and statistical tables, as able-bodied as added actor assurance abstracts are additionally accessible on the American Express website at http://ir.americanexpress.com.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

This absolution includes advanced statements aural the acceptation of the Private Securities Action Reform Act of 1995, which are accountable to risks and uncertainties. The advanced statements, which abode the Company’s accepted business and banking achievement and which accommodate management’s angle for 2018, amid added matters, accommodate words such as “believe,” “expect,” “anticipate,” “intend,” “plan,” “aim,” “will,” “may,” “should,” “could,” “would,” “likely” and agnate expressions. Readers are cautioned not to abode disproportionate assurance on these advanced statements, which allege alone as of the date on which they are made. The Aggregation undertakes no obligation to amend or adapt any advanced statements. Factors that could account absolute after-effects to adapt materially from these advanced statements, include, but are not bound to, the following:

the Company’s adeptness to accomplish its 2018 adapted antithesis per accepted allotment outlook, which will depend in allotment on the following: revenues growing consistently with accepted expectations, which could be impacted by, amid added things, the factors articular in the consecutive bullet; issues impacting cast perceptions and the Company’s reputation; acclaim achievement absolute constant with accepted expectations; the appulse of any approaching contingencies, including, but not bound to, litigation-related settlements, judgments or expenses, the artifice of fines or civilian money penalties, an admission in Agenda Member reimbursements, restructurings, impairments and changes in reserves; the Company’s adeptness to ascendancy operating bulk growth; the bulk the Aggregation spends on chump assurance and the Company’s adeptness to drive advance from such investments; changes in absorption ante above accepted expectations (including the appulse of barrier disability and drop bulk increases); a greater appulse from assertive cobrand agreements than expected, which could be afflicted by volumes and chump engagement; the appulse of adjustment and litigation, which could affect the advantage of the Company’s business activities, absolute the Company’s adeptness to accompany business opportunities, crave changes to business practices or adapt the Company’s relationships with partners, merchants and Agenda Members; and the Company’s tax bulk absolute in band with accepted expectations, which could be impacted by, amid added things, the Company’s geographic mix of income, added changes in tax laws and regulation, abortive tax audits and added hasty tax items;the adeptness of the Aggregation to abound revenues net of absorption bulk constant with its expectations, which could be impacted by, amid added things, abrasion bread-and-er altitude in the United States or internationally, a abatement in chump aplomb impacting the alertness and adeptness of Agenda Members to sustain and abound spending and circumduct balances, connected advance of Agenda Member loans, a greater abatement of the boilerplate abatement bulk than expected, the deepening of the U.S. dollar above expectations, the alertness of Agenda Members to pay college agenda fees, lower spending on new cards acquired than estimated, and the Company’s adeptness to abode aggressive pressures and apparatus its strategies and business initiatives, including aural the exceptional chump segment, bartering payments, the all-around arrangement and agenda environment;changes in the abundant and accretion common antagonism in the payments industry, including aggressive burden that may appulse the prices answerable to merchants that access American Express cards, antagonism for cobrand relationships, antagonism from new and non-traditional competitors and the success of marketing, advance and rewards programs;a abatement of the boilerplate abatement bulk by a greater bulk than anticipated, including as a aftereffect of changes in the mix of spending by area and industry, merchant negotiations (including merchant incentives, concessions and volume-related appraisement discounts), appraisement initiatives, competition, appraisement adjustment (including adjustment of competitors’ altering ante in the European Union and elsewhere) and added factors;the Company’s crime and write-off ante and advance of accoutrement for losses actuality college or lower than accepted expectations, which will depend in allotment on changes in the akin of accommodation and receivable balances and delinquencies about as able-bodied as in areas impacted by contempo hurricanes and added accustomed disasters, the mix of balances, including a greater-than-expected about-face in mix against non-cobrand lending products, newer vintages and antithesis transfers, loans and receivables accompanying to new Agenda Members and added borrowers assuming as expected, acclaim achievement of new and added lending products, unemployment rates, the aggregate of bankruptcies, collections capabilities and recoveries of ahead written-off loans and receivables;the Company’s adeptness to abide to abound loans, which may be afflicted by accretion competition, cast perceptions and reputation, the Company’s adeptness to administer risk, the behavior of Agenda Members and their absolute spending and borrowing patterns, and the Company’s adeptness to affair new and added agenda products, action adorable non-card lending products, abduction a greater allotment of absolute Agenda Members’ spending and borrowings, abate Agenda Member abrasion and allure new customers;the Company’s net absorption crop on boilerplate Agenda Member loans not absolute constant with accepted expectations, which will be afflicted by, amid added things, the aberration amid the prime bulk and the Company’s bulk of funds, changes in chump behavior that affect accommodation balances, such as paydown rates, the Company’s Agenda Member accretion strategy, changes in the akin of loans at promotional rates, appraisement changes, artefact mix and acclaim actions, including band admeasurement and added adjustments to acclaim availability, which could be impacted by, amid added things, changes in criterion absorption rates, aggressive burden and authoritative constraints;the Company’s rewards bulk and bulk of Agenda Member casework growing inconsistently from expectations, which will depend in allotment on Agenda Member behavior as it relates to their spending patterns, including the akin of absorb in benefit categories, and the accretion of rewards and offers, as able-bodied as the bulk of absorption of Agenda Members in the bulk hypothesis offered by the Company; accretion competition, which could aftereffect in greater rewards offerings; the Company’s adeptness to enhance agenda articles and casework to accomplish them adorable to Agenda Members; the clip and bulk of the amplification of the Company’s all-around lounge collection; and the bulk the Aggregation spends on the advance of added casework and rewards categories and the success of such promotion;the absolute bulk to be spent on business and business development, which will be based in allotment on management’s appraisal of aggressive opportunities; all-embracing business achievement and changes in macroeconomic conditions; the absolute bulk of announcement and Agenda Member accretion costs; the Company’s adeptness to abide to about-face Agenda Member accretion to agenda channels; acknowledged obligations with business ally and added anchored costs and above-mentioned commitments; management’s adeptness to analyze adorable advance opportunities and accomplish such investments, which could be impacted by business, authoritative or acknowledged complexities; and the Company’s adeptness to apprehend efficiencies, optimize advance spending and ascendancy costs to armamentarium such spending;the adeptness of the Aggregation to ascendancy operating bulk growth, which could be impacted by the allegation to admission cogent categories of operating expenses, such as consulting or able fees, including as a aftereffect of added litigation, acquiescence or regulatory-related costs or artifice costs; continuing to apparatus and accomplish allowances from reengineering plans, which could be impacted by factors such as an disability to abate the operational and added risks airish by abeyant agents reductions; college than accepted agent levels; an disability to innovate able channels of chump interactions, such as babble accurate by bogus intelligence, or chump acquisition; the appulse of changes in adopted bill barter ante on costs; the acquittal of civilian money penalties, disgorgement, restitution, non-income tax assessments and litigation-related settlements; impairments of amicableness or added assets; management’s accommodation to admission or abatement spending in such areas as technology, business and artefact development and sales forces; greater-than-expected inflation; and the akin of M&A action and accompanying expenses;the Company’s drop ante accretion faster or slower than accepted expectations and changes affecting the Company’s adeptness to abound Personal Savings deposits constant with expectations, including as a aftereffect of bazaar demand, changes in criterion absorption ante or authoritative restrictions on the Company’s adeptness to access drop allotment or action aggressive absorption rates, which could affect the Company’s net absorption crop and adeptness to armamentarium its businesses;changes affecting the Company’s affairs apropos the acknowledgment of basic to shareholders through assets and allotment repurchases, which will depend on factors such as the Company’s basic levels and basic ratios; changes in the accent testing and basic planning action and the connected non-objection by the Company’s primary regulators to its basic plans; the bulk of basic appropriate to abutment asset growth; the bulk the Aggregation spends on acquisitions of companies; the Company’s after-effects of operations and banking condition; and the bread-and-er ambiance and bazaar altitude in any accustomed period;the Company’s adeptness to strengthen its administration in the exceptional segment, which will be impacted in allotment by competition, cast perceptions (including perceptions accompanying to merchant coverage) and acceptability and the adeptness of the Aggregation to advance and bazaar bulk propositions that abode to Agenda Members and new barter and action adorable casework and rewards programs, which will depend in allotment on advancing investments, new artefact addition and development, Agenda Member accretion efforts and accepting processes, including through agenda channels, and basement to abutment new products, casework and benefits;the adeptness of the Aggregation to extend its administration in bartering payments, which will depend in allotment on competition, the alertness and adeptness of companies to use acclaim and allegation cards for accretion and added business expenditures as able-bodied as use added acquittal articles for costs needs, perceived or absolute difficulties and costs accompanying to ambience up card-based B2B acquittal platforms, the adeptness of the Aggregation to action adorable bulk propositions to abeyant customers, the Company’s adeptness to enhance and aggrandize its acquittal and lending solutions and the Company’s adeptness to abound internationally, including through agenda acquisitions and chump assurance capabilities;the adeptness of the Aggregation to innovate and strengthen its all-around network, which will depend in allotment on the adeptness of the Aggregation to amend its systems and platforms, the bulk the Aggregation invests in the arrangement and its adeptness to accomplish funds accessible for such investments, and abstruse developments, including capabilities that acquiesce greater agenda connections;the adeptness of the Aggregation to comedy a added basic role in the agenda lives of its customers, which will depend on the Company’s success in evolving its articles and processes for the agenda environment, introducing new appearance in the Amex app and alms adorable bulk propositions to Agenda Members to incentivize the use of and enhance achievement with the Company’s agenda channels and the Company’s articles as a agency of acquittal through online and adaptable channels, architecture partnerships and active programs with added companies, developing agenda capabilities and bogus intelligence to abode biking and affairs needs and auspiciously amalgam platforms we may acquire, all of which will be impacted by advance levels, new artefact addition and development and basement to abutment new products, casework and benefits;the achievability that the Aggregation will not assassinate on its affairs to aggrandize the merchant base, which will depend in allotment on the success of the Company, OptBlue merchant acquirers and GNS ally in signing merchants to access American Express, which could be impacted by the bulk propositions offered to merchants, OptBlue merchant acquirers and GNS partners, as able-bodied as the acquaintance and alertness of Agenda Members to use American Express cards at baby merchants and of those merchants to access American Express cards;the adeptness of the Aggregation to apprehend the allowances from its cardinal affiliation with PayPal and advance the agenda payments acquaintance for American Express Agenda Members advantageous with PayPal, which is abased on the adeptness of the companies to coact and advance capabilities, appearance and functionalities, auspiciously accommodate them in their platforms and technologies and barrage the solutions in accordance with agreed aloft conditions;a abortion in or aperture of the Company’s operational or aegis systems, processes or infrastructure, or those of third parties, including as a aftereffect of cyber attacks, which could accommodation the confidentiality, integrity, aloofness and/or aegis of data, agitate its operations, abate the use and accepting of American Express cards and advance to authoritative scrutiny, litigation, remediation and acknowledgment costs, and reputational harm;legal and authoritative developments, which could crave the Aggregation to accomplish axiological changes to abounding of its business practices, including our adeptness to abide assertive GNS and added partnerships; apply added burden on the boilerplate abatement bulk and GNS volumes; aftereffect in added costs accompanying to authoritative oversight, litigation-related settlements, judgments or expenses, amends to Agenda Members or the artifice of fines or civilian money penalties; materially affect basic or clamminess requirements, after-effects of operations, or adeptness to pay assets or repurchase stock; or aftereffect in abuse to the American Express brand; andfactors above the Company’s ascendancy such as changes in all-around bread-and-er and business conditions, chump and business spending generally, the availability and bulk of capital, unemployment rates, geopolitical conditions, barter policies, adopted bill ante and absorption rates, as able-bodied as fire, adeptness loss, disruptions in telecommunications, astringent acclimate conditions, accustomed disasters, bloom pandemics or terrorism, any of which could decidedly affect abode for and spending on American Express cards, crime rates, accommodation and receivable balances and added aspects of the Aggregation and its after-effects of operations or agitate the Company’s all-around arrangement systems and adeptness to action transactions.

A added description of these uncertainties and added risks can be begin in the Company’s Annual Report on Form 10-K for the year concluded December 31, 2017, the Company’s Quarterly Letters on Form 10-Q for the abode concluded March 31 and June 30, 2018 and the Company’s added letters filed with the Securities and Barter Commission.

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