The company aims to expand leadership in the premium consumer space by delivering membership benefits and to build on its strong position in commercial payments through innovative products and features.

The company is focused on increasing merchant acceptance, providing fraud protection services, marketing insights and connections to higher-spending Card Members, and working with network partners to offer expanded products and services.

The company's ESG strategy focuses on building financial confidence, advancing climate solutions, and promoting diversity, equity, and inclusion, indicating a commitment to sustainability and social responsibility.

91 percent of colleagues who participated in the survey said they would recommend American Express as a great place to work, indicating a positive work environment and effective management of human resources.

The company aims to provide the world's best customer experience every day and has been recognized by numerous awards for its world-class service, indicating a strong focus on customer satisfaction and loyalty.

The company is cooperating with governmental investigations related to certain historical sales practices, which could indicate potential compliance issues but also a proactive approach in addressing them.

The company is exposed to various economic and geopolitical risks, including slow economic growth, recessions, military conflicts, natural disasters and health emergencies, which could materially affect its business and results of operations.

The company faces substantial and increasing competition from card networks, issuers, acquirers, alternative payment providers and technology companies, which could materially impact its ability to compete effectively.

The company is subject to evolving and comprehensive government regulation and supervision, including banking regulations, consumer financial products regulations, payments regulations, privacy and data protection regulations, and anti-money laundering and anti-corruption laws, which could materially affect its business and results of operations.

The American Express brand is ranked among the most valuable brands in the world, and the company has a reputation for world-class service, which are key competitive advantages.

The company's spend-centric business model focuses on generating revenues primarily by driving spending on its cards, offering superior value to merchants in the form of loyal customers and larger transactions.

The company faces increasing competition from alternative payment and financing mechanisms, systems and products, including digital payment, open banking and electronic wallet platforms, point-of-sale lenders and buy now, pay later products.

The company is focused on driving marketing and operating expense efficiencies, while continuing to increase investments in its growth strategy.

The company relies on third-party providers for various services, including customer acquisition, technology, and payment processing, which could expose it to operational risks if these providers fail to fulfill their obligations.

The company's information technology systems are subject to various disruptions, including technology malfunctions, cyberattacks, and natural disasters, which could have a material adverse effect on its business and results of operations.

The company is focused on leveraging technology to allow for faster introduction and greater differentiation of products, as well as to develop and improve service capabilities to deliver a high-quality customer experience.

The company is focused on adopting new technologies, including artificial intelligence and machine learning, to enhance its products and services, but faces risks related to their implementation and regulatory scrutiny.

The company faces the risk that new technologies in the payments industry may emerge and render its existing technology obsolete, which could materially affect its ability to compete effectively.

The company returned $5.3 billion of capital to shareholders in the form of share repurchases and dividends, demonstrating a commitment to returning excess capital to investors.

The company plans to increase the regular quarterly dividend by 17 percent, indicating confidence in its future cash flow generation and a commitment to shareholder returns.

The company maintained its capital ratios within its target range of 10 to 11 percent, indicating a disciplined approach to capital management and a focus on maintaining a strong balance sheet.

The company's ESG strategy seeks to provide responsible, secure and transparent products and services to help people and businesses build financial resilience, indicating a commitment to social responsibility.

The company's ESG strategy focuses on enhancing its operations and capabilities to meet customer and community needs in the transition to a low-carbon future, indicating a commitment to environmental sustainability.

The company's ESG strategy supports a diverse, equitable and inclusive workforce, marketplace and society, indicating a commitment to social responsibility and ethical business practices.

The company's business is sensitive to economic conditions, such as consumer spending, unemployment rates, and business investment, which could materially affect its results of operations.

The company is exposed to geopolitical conditions, military conflicts, natural disasters and health emergencies, which could have a material adverse effect on its business, operations and partners.

Regulators are increasingly focused on ensuring that the company's privacy, data protection, data governance and cybersecurity-related policies and practices are adequate, which could lead to increased compliance costs and scrutiny.