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American Express | 8-K: U.S. Consumer and U.S. Small Business Delinquency and Write-off Rate Statistics

American Express | 8-K: U.S. Consumer and U.S. Small Business Delinquency and Write-off Rate Statistics

美国运通 | 8-K：美国消费者和美国小企业卡会员贷款组合的拖欠和注销统计数据
美股SEC公告 ·  2024/12/17 01:02

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American Express disclosed its November 2024 U.S. lending portfolio performance, with total Card Member loans reaching $120.0 billion, up from $118.5 billion in October. The 30-day delinquency rates remained steady at 1.4% for Consumer cards and 1.5% for Small Business cards.In the Consumer segment, which holds $89.3 billion in loans, the net write-off rate decreased to 2.0% from October's 2.4%. However, the Small Business portfolio, totaling $30.7 billion, saw its write-off rate increase slightly to 2.3% from 2.2%. The American Express Credit Account Master Trust, representing $25.9 billion in securitized loans, maintained a lower annualized default rate of 1.3%.
American Express disclosed its November 2024 U.S. lending portfolio performance, with total Card Member loans reaching $120.0 billion, up from $118.5 billion in October. The 30-day delinquency rates remained steady at 1.4% for Consumer cards and 1.5% for Small Business cards.In the Consumer segment, which holds $89.3 billion in loans, the net write-off rate decreased to 2.0% from October's 2.4%. However, the Small Business portfolio, totaling $30.7 billion, saw its write-off rate increase slightly to 2.3% from 2.2%. The American Express Credit Account Master Trust, representing $25.9 billion in securitized loans, maintained a lower annualized default rate of 1.3%.
美国运通披露了其2024年11月美国信贷投资组合的表现，卡会员贷款总额达到1200亿美金，较10月的1185亿美金有所上升。消费卡的30天逾期率保持稳定，为1.4%，小型企业卡为1.5%。在消费领域，贷款额为893亿美金，净注销率从10月的2.4%下降至2.0%。然而，小型企业投资组合的贷款总额为307亿美金，注销率略微上升至2.3%，较上月的2.2%有所增加。美国运通信贷账户信托，代表着259亿美金的证券化贷款，维持了1.3%的较低年化违约率。
美国运通披露了其2024年11月美国信贷投资组合的表现，卡会员贷款总额达到1200亿美金，较10月的1185亿美金有所上升。消费卡的30天逾期率保持稳定，为1.4%，小型企业卡为1.5%。在消费领域，贷款额为893亿美金，净注销率从10月的2.4%下降至2.0%。然而，小型企业投资组合的贷款总额为307亿美金，注销率略微上升至2.3%，较上月的2.2%有所增加。美国运通信贷账户信托，代表着259亿美金的证券化贷款，维持了1.3%的较低年化违约率。
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