AmEx expansion puts it on track for tougher prudential standards

Lender is within spitting distance of category III designation, which would attract stricter capital and liquidity requirements

American Express’s systemic footprint has steadily increased in 2023, putting it on course to face the tighter leverage, liquidity and supervisory requirements it left behind in 2019, Risk Quantum analysis shows.

The payment card specialist’s consolidated assets averaged $244.2 billion in the third quarter of last year – up 2.3% and 16.6% on three and 12 months prior – bringing it closer to the $250 billion threshold that entails a jump from category IV to category III of the US Federal Reserve

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