American Express’ Loans by Region (2013 – 2022)

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This statistic highlights American Express’ Loans by Region, split across U.S. and Non-U.S regions, reported annually from 2013 onwards.
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This statistic highlights American Express’ Loans by Region, split across U.S. and Non-U.S regions, reported annually from 2013 onwards.

American Express’ Loans by Region

The loans from both the regions primarily comprise contractual maturities of Card Member loans and receivables by customer type. The customer types are further bifurcated into loans with maturity within a year, between 1 and 5 years, between 5 and 15 years, and more than 15 years.

  • Card Member receivables: This category of loan represents transactions on the company’s card products and related fees. These card fees need to be paid in full on or before the payment due date, which is unique for each Card Member. These loans are recorded at the time of POS (Point-of-Sale) transaction with a merchant by the Card Member.
  • Card Member loans: This category of loan represents revolve-eligible transactions on the company’s card products. It also includes any interest charges and associated card-related fees. These loans are recorded at the time of POS (Point-of-Sale) transaction with a merchant by the Card Member, having revolve-eligible transactions on the company’s card products. Card Members are required to make a minimum monthly payment and have varying terms such as credit limits, interest rates, fees, and payment structures. It is to be noted that, since these loans have no stated maturity, thus included in the due within the one-year category. However, the loan payments may be deferred over a longer period.

Here we analyze the region-wise loans of the company in recent years.

Region 2019 2020 2021 Contribution in 2021
U.S. $76 $64.20 $79.56 86.98%
Non-U.S. $11.40 $9.20 $11.91 13.02%
Total $87.40 $73.40 $91.47 100.00%

(All figures in billions, except percentages)

U.S. Region

The loans provided in the U.S. are included in this category. Of the total loans provided, this region comprises of majority of the loans for American Express, with an average contribution of 87% each year. In aggregate, lending in the U.S. increased from $58.94 billion in 2013 to $79.56 billion in 2021, with an absolute increase of 35%. However, the growth over 8 years saw many fluctuations. Overall, there was a steady incline in the loans provided from 2015 to 2019. However, it fell in 2020 due to the pandemic but recovered later in 2021. In the year 2021, the loans provided in the U.S. increased from $64.2 billion in 2020 to $79.56 billion in 2021, with an increase of 24%. 

Non-U.S. Region

The loans provided in regions other than the U.S. are included in this category. In aggregate, the lending in the Non-U.S. region increased from $8.92 billion in 2013 to $11.91 billion in 2021, with an absolute increase of 33.5%. Even in this region, there were many fluctuations in the loans provided. There were declines reported from 2013 to 2016, followed by inclines until 2019. However, even this region was affected by the pandemic and saw a downfall of 19.3% in the loans provided. This was followed by a huge recovery of 29.5% in 2021. 

About the Company

American Express (NYSE: AXP) is a globally integrated payments company that provides credit and charge cards to consumers, small businesses, mid-sized companies, and large corporations around the world. It was founded in 1850 as a joint-stock association & incorporated in 1965 as a New York corporation. The company is also a component of the Dow Jones Industrial Average.

The company provides card services to its members. They maintain direct relationships with both – Card Members as well as Merchants, which helps them in creating a “closed loop”. This provides them access to information at both ends of the card transaction, which distinguishes their integrated payments platform from the bankcard networks. This platform allows them to analyze information on Card Member spending and build algorithms and other analytical tools to underwrite risk, reduce fraud and provide targeted marketing. This collection of information is done, keeping in mind the Card Members’ preferences and complying with applicable policies and legal requirements.

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