AMERICAN EXPRESS CO 10-K form for the fiscal year ended 2023-12-31, page 43: 
TABLE 1: SUMMARY OF FINANCIAL PERFORMANCE
|    |                                                                          |         |         |         |      |         |               |         |               |     |        |       |         |    |    |      |    |        |     |    |
|---:|:-------------------------------------------------------------------------|:--------|:--------|:--------|:-----|:--------|:--------------|:--------|:--------------|:----|:-------|:------|:--------|:---|:---|:-----|:---|:-------|:----|:---|
|  1 | Years Ended December 31,                                                 |         |         |         |      |         | Change        |         | Change        |     |        |       |         |    |    |      |    |        |     |    |
|  2 | (Millions, except percentages, per share amounts and where indicated)    | 2023    |         | 2022    |      | 2021    | 2023 vs. 2022 |         | 2022 vs. 2021 |     |        |       |         |    |    |      |    |        |     |    |
|  3 | Selected Income Statement Data                                           |         |         |         |      |         |               |         |               |     |        |       |         |    |    |      |    |        |     |    |
|  4 | Total revenues net of interest expense                                   | $       | 60,515  |         | $    | 52,862  | $             | 42,380  |               | $   | 7,653  |       |         | 14 | %  |      | $  | 10,482 | 25  | %  |
|  5 | Provisions for credit losses                                             | 4,923   |         | 2,182   |      | (1,419) | 2,741         |         |               | #   |        | 3,601 |         |    | #  |      |    |        |     |    |
|  6 | Total expenses                                                           | 45,079  |         | 41,095  |      | 33,110  | 3,984         |         |               | 10  |        |       | 7,985   |    |    | 24   |    |        |     |    |
|  7 | Pretax income                                                            | 10,513  |         | 9,585   |      | 10,689  | 928           |         |               | 10  |        |       | (1,104) |    |    | (10) |    |        |     |    |
|  8 | Income tax provision                                                     | 2,139   |         | 2,071   |      | 2,629   | 68            |         |               | 3   |        |       | (558)   |    |    | (21) |    |        |     |    |
|  9 | Net income                                                               | 8,374   |         | 7,514   |      | 8,060   | 860           |         |               | 11  |        |       | (546)   |    |    | (7)  |    |        |     |    |
| 10 | Earnings per common share - diluted (a)                                  | $       | 11.21   |         | $    | 9.85    | $             | 10.02   |               | $   | 1.36   |       |         | 14 | %  |      | $  | (0.17) | (2) | %  |
| 12 | Selected Balance Sheet Data                                              |         |         |         |      |         |               |         |               |     |        |       |         |    |    |      |    |        |     |    |
| 13 | Cash and cash equivalents                                                | $       | 46,596  |         | $    | 33,914  | $             | 22,028  |               | $   | 12,682 |       |         | 37 | %  |      | $  | 11,886 | 54  | %  |
| 14 | Card Member receivables                                                  | 60,411  |         | 57,613  |      | 53,645  | 2,798         |         |               | 5   |        |       | 3,968   |    |    | 7    |    |        |     |    |
| 15 | Card Member loans                                                        | 125,995 |         | 107,964 |      | 88,562  | 18,031        |         |               | 17  |        |       | 19,402  |    |    | 22   |    |        |     |    |
| 16 | Customer deposits                                                        | 129,144 |         | 110,239 |      | 84,382  | 18,905        |         |               | 17  |        |       | 25,857  |    |    | 31   |    |        |     |    |
| 17 | Long-term debt                                                           | $       | 47,866  |         | $    | 42,573  | $             | 38,675  |               | $   | 5,293  |       |         | 12 | %  |      | $  | 3,898  | 10  | %  |
| 19 | Common Share Statistics (b)                                              |         |         |         |      |         |               |         |               |     |        |       |         |    |    |      |    |        |     |    |
| 20 | Cash dividends declared per common share                                 | $       | 2.40    |         | $    | 2.08    | $             | 1.72    |               | $   | 0.32   |       |         | 15 | %  |      | $  | 0.36   | 21  | %  |
| 21 | Average common shares outstanding:                                       |         |         |         |      |         |               |         |               |     |        |       |         |    |    |      |    |        |     |    |
| 22 | Basic                                                                    | 735     |         | 751     |      | 789     | (16)          |         |               | (2) | %      |       | (38)    |    |    | (5)  | %  |        |     |    |
| 23 | Diluted                                                                  | 736     |         | 752     |      | 790     | (16)          |         |               | (2) | %      |       | (38)    |    |    | (5)  | %  |        |     |    |
| 25 | Selected Metrics and Ratios                                              |         |         |         |      |         |               |         |               |     |        |       |         |    |    |      |    |        |     |    |
| 26 | Network volumes (Billions)                                               | $       | 1,680.1 |         | $    | 1,552.8 | $             | 1,284.2 |               | $   | 127    |       |         | 8  | %  |      | $  | 269    | 21  | %  |
| 27 | Billed business (Billions)                                               | $       | 1,459.6 |         | $    | 1,338.3 | $             | 1,089.8 |               | $   | 121    |       |         | 9  | %  |      | $  | 249    | 23  | %  |
| 28 | Card Member loans and receivables                                        |         |         |         |      |         |               |         |               |     |        |       |         |    |    |      |    |        |     |    |
| 29 | Net write-off rate - principal, interest and fees (c)                    | 2.0     | %       |         | 1.0  | %       | 0.8           | %       |               |     |        |       |         |    |    |      |    |        |     |    |
| 30 | Net write-off rate - principal only - consumer and small business (c)(d) | 1.8     | %       |         | 0.9  | %       | 0.7           | %       |               |     |        |       |         |    |    |      |    |        |     |    |
| 31 | 30+ days past due as a % of total - consumer and small business (e)      | 1.3     | %       |         | 1.1  | %       | 0.7           | %       |               |     |        |       |         |    |    |      |    |        |     |    |
| 32 | Effective tax rate                                                       | 20.3    | %       |         | 21.6 | %       | 24.6          | %       |               |     |        |       |         |    |    |      |    |        |     |    |
| 35 | Return on average equity (f)                                             | 31.5    | %       |         | 32.3 | %       | 33.7          | %       |               |     |        |       |         |    |    |      |    |        |     |    |
| 36 | Common Equity Tier 1                                                     | 10.5    | %       |         | 10.3 | %       | 10.5          | %       |               |     |        |       |         |    |    |      |    |        |     |    |
| 44 | # Denotes a variance of 100 percent or more                              |         |         |         |      |         |               |         |               |     |        |       |         |    |    |      |    |        |     |    |
(a)Represents net income, less (i) earnings allocated to participating share awards of $64 million, $57 million and $56 million for the years ended December 31, 2023, 2022 and 2021, respectively, (ii) dividends on preferred shares of $58 million, $57 million and $71 million for the years ended December 31, 2023, 2022 and 2021, respectively, and (iii) equity-related adjustments of $16 million related to the redemption of preferred shares for the year ended December 31, 2021. Refer to Note 16 and Note 21 to the "Consolidated Financial Statements" for further details on preferred shares and earnings per common share (EPS), respectively.
(b)Our common stock trades principally on The New York Stock Exchange under the trading symbol AXP.
(c)We present a net write-off rate based on principal losses only (i.e., excluding interest and/or fees) to be consistent with industry convention. In addition, as our practice is to include uncollectible interest and/or fees as part of our total provision for credit losses, a net write-off rate including principal, interest and/or fees is also presented.
(d)A net write-off rate based on principal losses only is not available for corporate receivables due to system constraints.
(e)For corporate receivables, delinquency data is tracked based on days past billing status rather than days past due. Refer to Table 12 for 90+ days past billing metrics for corporate receivables.
(f)Return on average equity (ROE) is calculated by dividing (i) net income for the period by (ii) average shareholders' equity for the period.
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Question: What is the trend of card member loans of American Express between FY 2021 to 2023?
Answer: Trend in Card Member Loans:
2021: $88,562 million
2022: $107,964 million (22% increase from 2021)
2023: $125,995 million (17% increase from 2022)
Analysis:
Loan Growth: Card Member loans increased significantly by 22% in 2022 and 17% in 2023, reflecting higher borrowing and usage.