The provided text consists of excerpts from a quarterly report on Form 10-Q for American Express Company, dated October 17, 2025, which provides a comprehensive review of the company's financial performance and condition. The report details consolidated financial statements for the three and nine months ended September 30, 2025, including income statements, balance sheets, and cash flow information. It highlights strong business results, such as a significant increase in net income and record Card Member spending, while also noting competition in the global payments industry and ongoing investments in premium products and marketing. Furthermore, the document addresses credit quality indicators, capital resources, liquidity management strategies, and regulatory matters, including anti-money laundering compliance and potential tax challenges. Finally, the filing includes required CEO and CFO certifications confirming the accuracy and fairness of the financial data and the effectiveness of disclosure controls.
