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Regulatory Matters and Capital Adequacy (Tables)
 6 Months Ended
Jun. 30, 2018
Table Text Block [Abstract]  
Regulatory capital ratios

The following table presents the regulatory capital ratios:

(Millions, except percentages)CET 1 capitalTier 1capitalTotal capitalCET 1 capital ratioTier 1capital ratioTotal capital ratioTier 1 leverage ratioSupplementary leverage ratio
June 30, 2018:(a)      
American Express Company  $15,237$16,810  $19,290  10.1%11.1%12.8%9.7%8.3%
American Express National Bank  $11,494$11,494  $13,433  12.7%12.7%14.9%10.3%8.5%
December 31, 2017:(a)      
American Express Company  $13,189$14,721  $17,142  9.0% 10.1% 11.8% 8.6% (b)% 
American Express Centurion Bank  $5,954$5,954  $6,547  12.7% 12.7% 14.0% 10.2% (b)% 
American Express Bank, FSB  $6,065$6,065  $6,653  12.9% 12.9% 14.2% 11.7% (b)% 
Well capitalized ratios(c)      6.5%8.0% 10.0% 5.0% N/A
Basel III Standards 2018(d)      6.4%7.9% 9.9% 4.0% 3.0% 
Minimum capital ratios(e)4.5%6.0% 8.0% 4.0% 3.0% 

  • As a Basel III advanced approaches institution in parallel run, capital ratios are reported using Basel III capital definitions, inclusive of transition provisions for the capital ratios as of December 31, 2017, and risk-weighted assets using the Basel III standardized approach.
  • The minimum supplementary leverage ratio (SLR) requirement of 3 percent became effective January 1, 2018.
  • Represents requirements for banking subsidiaries to be considered “well capitalized” pursuant to regulations issued under the Federal Deposit Insurance Corporation Improvement Act. There is no CET1 capital ratio, Tier 1 leverage ratio or SLR requirement for a bank holding company to be considered “well capitalized.”
  • Basel III minimum capital requirement and additional transitional capital conservation buffer as defined by the Federal Reserve and OCC for calendar year 2018 for advanced approaches institutions. The additional capital conservation buffer does not apply to Tier 1 leverage ratio or SLR.
  • As defined by the regulations issued by the Federal Reserve and OCC.