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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

美國運通 | 8-K：美國消費者和美國小企業拖欠和註銷率統計
美股SEC公告 ·  2024/07/16 00:04

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American Express disclosed delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member lending portfolios for June 2024. Total Card Member loans reached $113.6 billion, with U.S. Consumer loans at $85.0 billion and U.S. Small Business loans at $28.6 billion.For U.S. Consumer cards, the 30-day delinquency rate was 1.3%, while the net write-off rate (principal only) was 2.3%. U.S. Small Business cards showed a 30-day delinquency rate of 1.4% and a net write-off rate of 2.4%. The three-month average net write-off rates were 2.4% for Consumer and 2.3% for Small Business portfolios.The American Express Credit Account Master Trust reported an annualized default rate of 1.5% for June 2024, with a total 30+ days delinquent amount of $0.2 billion on an ending principal balance of $25.8 billion. The company noted that Trust performance may differ from the overall portfolio due to variations in loan characteristics and calculation methods.
American Express disclosed delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member lending portfolios for June 2024. Total Card Member loans reached $113.6 billion, with U.S. Consumer loans at $85.0 billion and U.S. Small Business loans at $28.6 billion.For U.S. Consumer cards, the 30-day delinquency rate was 1.3%, while the net write-off rate (principal only) was 2.3%. U.S. Small Business cards showed a 30-day delinquency rate of 1.4% and a net write-off rate of 2.4%. The three-month average net write-off rates were 2.4% for Consumer and 2.3% for Small Business portfolios.The American Express Credit Account Master Trust reported an annualized default rate of 1.5% for June 2024, with a total 30+ days delinquent amount of $0.2 billion on an ending principal balance of $25.8 billion. The company noted that Trust performance may differ from the overall portfolio due to variations in loan characteristics and calculation methods.
美國運通披露了其美國消費和美國小型企業信用卡會員貸款投資組合在2024年6月的逾期與覈銷統計數據。信用卡會員貸款總額達到1136億，消費者貸款爲850億，小型企業貸款爲286億。對於美國消費卡，30天逾期率爲1.3%，而淨覈銷率（僅本金）爲2.3%。美國小型企業卡顯示30天逾期率爲1.4%，淨覈銷率爲2.4%。消費和小型企業投資組合的三個月平均淨覈銷率分別爲2.4%和2.3%。美國運通信用賬戶信託在2024年6月報告的年化違約率爲1.5%，逾期30天以上的總額爲2億，期末本金餘額爲258億。公司指出，信託的表現可能會因貸款特徵和計算方法的差異而與整體投資組合不同。
美國運通披露了其美國消費和美國小型企業信用卡會員貸款投資組合在2024年6月的逾期與覈銷統計數據。信用卡會員貸款總額達到1136億，消費者貸款爲850億，小型企業貸款爲286億。對於美國消費卡，30天逾期率爲1.3%，而淨覈銷率（僅本金）爲2.3%。美國小型企業卡顯示30天逾期率爲1.4%，淨覈銷率爲2.4%。消費和小型企業投資組合的三個月平均淨覈銷率分別爲2.4%和2.3%。美國運通信用賬戶信託在2024年6月報告的年化違約率爲1.5%，逾期30天以上的總額爲2億，期末本金餘額爲258億。公司指出，信託的表現可能會因貸款特徵和計算方法的差異而與整體投資組合不同。
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