Billed business grew by 6% year-over-year, with both G&S and T&E spend growth at 6%. This indicates a stable growth rate across different spending categories.

Marketing expenses increased by 19% year-over-year, indicating a continued investment in customer acquisition and growth initiatives.

The company acquired 3.3 million proprietary new cards during the quarter, demonstrating continued success in customer acquisition efforts.

Operating expenses grew at 5% year-over-year, a slower pace than revenue growth, reflecting continued operating expense discipline.

The company maintained its capital ratios within the current target range of 10 to 11 percent, indicating effective capital management.

The company returned $2.4 billion of capital to shareholders in the form of share repurchases and common stock dividends, reflecting a commitment to shareholder returns.

Provisions for credit losses increased primarily due to higher net write-offs, indicating a potential increase in credit risk.

The company acknowledges the uncertainty of the geopolitical and macroeconomic environment and the evolving regulatory and competitive landscape, indicating potential challenges.

The company is subject to extensive government regulation and supervision in jurisdictions around the world, which could lead to compliance costs and enforcement actions.

The company continues to see strength in spending by Millennial and Gen-Z Card Members, indicating a strong position in younger demographics.

The company achieved market share gains in the enterprise segment despite new competitive entries, attributed to product innovation and enhanced customer support.

International Card Services billed business grew by 13% year-over-year, driven by continued strong growth in spend across all regions and customer types outside the United States, demonstrating a strong international presence.

Operating expenses grew at 5% year-over-year, a slower pace than revenue growth, reflecting continued operating expense discipline.

Operating expense efficiencies demonstrate the earnings power of the core business that enables the company to invest in growth initiatives at elevated levels.

The company remains focused on driving marketing and operating expense efficiencies over time, indicating a commitment to cost management.

The company continues to invest in and enhance its Membership Model of premium payment products, differentiated membership services and partnerships.

The company manages a dining platform that provides digital tools for restaurants and reservation booking for diners, indicating a focus on digital innovation.

The company is focused on innovating efficient channels of customer interactions and the willingness of Card Members to self-service and address issues through digital channels.

The company returned $2.4 billion of capital to shareholders in the form of share repurchases and common stock dividends, reflecting a commitment to shareholder returns.

Board authorized an additional $5B share repurchase program, bringing total authorization to $7.5B.

The company continues to invest in growth initiatives at elevated levels, including marketing and technology.

There is no specific information regarding ESG initiatives in the provided document.

The company acknowledges the uncertainty of the geopolitical and macroeconomic environment, indicating potential challenges.

The company recognizes the evolving regulatory and competitive landscape, which could impact future performance.

The company achieved market share gains in the enterprise segment despite new competitive entries, attributed to product innovation and enhanced customer support.