{"id":716,"date":"2020-07-27T19:47:47","date_gmt":"2020-07-27T10:47:47","guid":{"rendered":"https:\/\/finepresa.com\/?p=716"},"modified":"2020-07-27T19:47:59","modified_gmt":"2020-07-27T10:47:59","slug":"%e6%b0%97%e3%81%ab%e3%81%aa%e3%82%8b%e3%82%a2%e3%83%a1%e3%83%aa%e3%82%ab%e3%83%b3%e3%82%a8%e3%82%af%e3%82%b9%e3%83%97%e3%83%ac%e3%82%b9%e3%81%ae%e5%9b%9b%e5%8d%8a%e6%9c%9f%e6%b1%ba%e7%ae%97%ef%bc%8820","status":"publish","type":"post","link":"https:\/\/finepresa.com\/?p=716","title":{"rendered":"\u6c17\u306b\u306a\u308b\u30a2\u30e1\u30ea\u30ab\u30f3\u30a8\u30af\u30b9\u30d7\u30ec\u30b9<AXP>\u306e\u56db\u534a\u671f\u6c7a\u7b97\uff082020-2Q\uff09"},"content":{"rendered":"\n<p>\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u304c\u7c73\u56fd\u6642\u95932020\u5e747\u670824\u65e5\u7b2c2\u56db\u534a\u671f\uff082020\u5e744\uff5e6\u6708\u671f\uff09\u306e\u6c7a\u7b97\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<p><strong>\uff1c2020-2Q><\/strong><br>\u58f2\u4e0a\u9ad8\uff1a$7.68Bn vs. \u30a2\u30ca\u30ea\u30b9\u30c8\u4e88\u60f3 $8.25Bn<br>EPS:\u3000$0.29 vs. \u30a2\u30ca\u30ea\u30b9\u30c8\u4e88\u60f3 -$0.11<\/p>\n\n\n\n<p><strong>EPS\uff08\u4e00\u682a\u5f53\u305f\u308a\u5229\u76ca\uff09\u306f\u30a2\u30ca\u30ea\u30b9\u30c8\u4e88\u60f3\u3092\u4e0a\u56de\u3063\u305f\u3082\u306e\u306e\u3001\u58f2\u4e0a\u9ad8\u306f\u30a2\u30ca\u30ea\u30b9\u30c8\u4e88\u60f3\u3092\u4e0b\u56de\u308a\u307e\u3057\u305f\u3002<\/strong><\/p>\n\n\n\n<p>\u30a2\u30e1\u30ea\u30ab\u30f3\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306b\u306f\u30013\u3064\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\uff08\u6d88\u8cbb\u8005\u5411\u3051\u3001\u30d3\u30b8\u30cd\u30b9\u5411\u3051\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u7d4c\u7531\uff09\u304c\u3042\u308a\u307e\u3059\u3002\u5f53\u56db\u534a\u671f\u7d42\u4e86\u6642\u70b9\u3067\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\u6bce\u306e\u8acb\u6c42\u6b8b\u9ad8\u306e\u5272\u5408\u306f\u3001\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3057\u305f\u3002<\/p>\n\n\n\n<ul><li>Global Consumer\uff08\u6d88\u8cbb\u8005\u5411\u3051\uff09: 44%<\/li><li>Global Commercial\uff08\u30d3\u30b8\u30cd\u30b9\u5411\u3051\uff09: 41%<\/li><li>Global Network Services\uff08\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u7d4c\u7531\uff09: 15%<\/li><\/ul>\n\n\n\n<p>\u9ad8\u6240\u5f97\u8005\u5411\u3051\u306e\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u30ab\u30fc\u30c9\u3068\u3044\u3046\u5370\u8c61\u304c\u3042\u308a\u307e\u3059\u304c\u3001<strong>\u6d88\u8cbb\u8005\u5411\u3051\u3068\u30d3\u30b8\u30cd\u30b9\u5411\u3051\u304c\u307b\u307c\u534a\u3005\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/strong><\/p>\n\n\n\n<p>\u5168\u822c\u7684\u306b\u5f53\u56db\u534a\u671f\u306f\u65b0\u578b\u30b3\u30ed\u30ca\u30a6\u30a4\u30eb\u30b9\u611f\u67d3\u6291\u5236\u306b\u5411\u3051\u305f\u4e16\u754c\u7684\u306a\u30ed\u30c3\u30af\u30c0\u30a6\u30f3\u304c\u30ab\u30fc\u30c9\u5229\u7528\u306b\u97ff\u3044\u305f\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u7279\u306b\u5f71\u97ff\u3092\u53d7\u3051\u305f\u306e\u304c\u3001<strong>\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u5927\u4f01\u696d\u5411\u3051\u306e\u51fa\u5f35\u8cbb\u7528\uff08Travel &amp; Expense\u3001\u4ee5\u4e0bT&amp;E\uff09\u95a2\u9023\u3067\u3059\u3002<\/strong>Global Commercial\u3067T&amp;E\u95a2\u9023\u306e\u6210\u9577\u7387\uff08\u524d\u5e74\u5bfe\u6bd4\uff09\u304c-80%\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u5927\u4f01\u696d\u5411\u3051\u304c-55%\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u65b0\u578b\u30b3\u30ed\u30ca\u30a6\u30a3\u30eb\u30b9\u306e\u611f\u67d3\u62e1\u5927\u306a\u3089\u3073\u306b\u305d\u308c\u306b\u4f34\u3046\u79fb\u52d5\u5236\u9650\u306b\u3088\u308a\u6210\u9577\u7387\u304c\u5927\u5e45\u306a\u30de\u30a4\u30ca\u30b9\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"910\" height=\"481\" src=\"https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/GlobalCommercialGrowth_20200724-1.jpg\" alt=\"\" class=\"wp-image-719\" srcset=\"https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/GlobalCommercialGrowth_20200724-1.jpg 910w, https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/GlobalCommercialGrowth_20200724-1-300x159.jpg 300w, https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/GlobalCommercialGrowth_20200724-1-768x406.jpg 768w\" sizes=\"(max-width: 910px) 100vw, 910px\" \/><\/figure>\n\n\n\n<p>\u307e\u305f\u3001\u5f53\u56db\u534a\u671f\u3001\u30a2\u30e1\u30ea\u30ab\u30f3\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306f\uff16\u5104\uff12\uff18\uff10\uff10\u4e07\u30c9\u30eb\u3092\u8cb8\u5012\u5f15\u5f53\u91d1\u7e70\u308a\u5165\u308c\u3068\u3057\u3066\u3001\u5f15\u5f53\u91d1\u7e70\u5165\u984d\u3068\u50b5\u52d9\u511f\u5374\u8cbb\u7528\u306e\u5408\u8a08\u304c\uff11\uff16\u5104\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u3001\u524d\u5e74\u540c\u671f\u306e9\u5104\u30c9\u30eb\u5f31\u304b\u3089\u6025\u62e1\u5927\u3057\u3066\u304a\u308a\u3001\u696d\u7e3e\u3092\u5727\u8feb\u3057\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"873\" height=\"484\" src=\"https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/TotalProvisions_ForLosses_20200724.jpg\" alt=\"\" class=\"wp-image-721\" srcset=\"https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/TotalProvisions_ForLosses_20200724.jpg 873w, https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/TotalProvisions_ForLosses_20200724-300x166.jpg 300w, https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/TotalProvisions_ForLosses_20200724-768x426.jpg 768w\" sizes=\"(max-width: 873px) 100vw, 873px\" \/><\/figure>\n\n\n\n<p>\u3054\u53c2\u8003\u307e\u3067\u306b\u30a2\u30e1\u30ea\u30ab\u30f3\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u3068\u30d3\u30b6\u306e\u682a\u4fa1\u306e\u63a8\u79fb\u30922019\u5e748\u6708\u304b\u30892020\u5e747\u670824\u65e5\u307e\u3067\u63cf\u3044\u3066\u307f\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<p>\u30d3\u30b6\u306f\u30ed\u30c3\u30af\u30c0\u30a6\u30f3\u672c\u683c\u5316\u524d\u306e\u6c34\u6e96\u306b\u307b\u307c\u623b\u308a\u3064\u3064\u3042\u308a\u307e\u3059\u304c\u3001\u30a2\u30e1\u30ea\u30ab\u30f3\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306f\u5e74\u521d\u6765-22%\u3068\u5927\u304d\u304f\u51fa\u9045\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u308c\u306f\u3001<strong>\u30a2\u30e1\u30ea\u30ab\u30f3\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u304c\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ab\u30fc\u30c9\u3067\u51fa\u5f35\u8cbb\u7528\u306e\u7ba1\u7406\u3092\u4e00\u62ec\u3057\u3066\u884c\u3046\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306a\u3069\u3001\u30d3\u30b8\u30cd\u30b9\u3068\u65c5\u884c\u8005\u306b\u6ce8\u529b\u3057\u3066\u6765\u305f\u304b\u3089\u3068\u8a00\u3048\u307e\u3059\u3002<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"427\" height=\"296\" src=\"https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/American-Express\u3068Visa\u306e\u682a\u4fa1\u63a8\u79fb\uff082019.8-2020.7.24\uff09.png\" alt=\"\" class=\"wp-image-720\" srcset=\"https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/American-Express\u3068Visa\u306e\u682a\u4fa1\u63a8\u79fb\uff082019.8-2020.7.24\uff09.png 427w, https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/American-Express\u3068Visa\u306e\u682a\u4fa1\u63a8\u79fb\uff082019.8-2020.7.24\uff09-300x208.png 300w\" sizes=\"(max-width: 427px) 100vw, 427px\" \/><\/figure>\n\n\n\n<p>\u8208\u5473\u6df1\u3044\u3053\u3068\u306b\u6295\u8cc7\u306e\u795e\u69d8\u3068\u8a00\u308f\u308c\u308b\u30a6\u30a9\u30fc\u30ec\u30f3\u30fb\u30d0\u30d5\u30a7\u30c3\u30c8\u6c0f\u304c\u7387\u3044\u308b\u30d0\u30fc\u30af\u30b7\u30e3\u30fc\u30cf\u30b5\u30a6\u30a7\u30a4\u304c\u30a2\u30e1\u30ea\u30ab\u30f3\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306e\u7b46\u982d\u682a\u4e3b\u3067\u3059\u3002\u30d0\u30fc\u30af\u30b7\u30e3\u30fc\u30cf\u30b5\u30a6\u30a7\u30a4\u306f\u3001\u822a\u7a7a\u4f1a\u793e\u306b\u3082\u5e83\u304f\u6295\u8cc7\u3092\u3057\u3066\u3044\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<p>\uff08\u306a\u304a\u3001\u822a\u7a7a\u4f1a\u793e\u682a\u306b\u3064\u3044\u3066\u306f\u30012020\u5e745\u6708\u306e\u30d0\u30fc\u30af\u30b7\u30e3\u30fc\u30cf\u30b5\u30a6\u30a7\u30a4\u306e\u5e74\u6b21\u7dcf\u4f1a\u3067\u3001\u4fdd\u6709\u3057\u3066\u3044\u305f\u30c7\u30eb\u30bf\u822a\u7a7a\u3001\u30a2\u30e1\u30ea\u30ab\u30f3\u822a\u7a7a\u3001\u30e6\u30ca\u30a4\u30c6\u30c3\u30c9\u822a\u7a7a\u3001\u30b5\u30a6\u30b9\u30a6\u30a8\u30b9\u30c8\u822a\u7a7a\u306e\u682a\u5f0f\u3092\u6295\u3052\u58f2\u308a\u3057\u3001\u3059\u3079\u3066\u58f2\u5374\u3057\u305f\u3053\u3068\u3092\u767a\u8868\u3057\u3066\u3044\u307e\u3059\u3002\uff09<\/p>\n\n\n\n<p>\u30a6\u30a9\u30fc\u30ec\u30f3\u30fb\u30d0\u30d5\u30a7\u30c3\u30c8\u6c0f\u306e\u30a2\u30e1\u30ea\u30ab\u30f3\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u793e\u3078\u306e\u6295\u8cc7\u3068\u3001\u822a\u7a7a\u4f1a\u793e\u3078\u306e\u6295\u8cc7\u306e\u5171\u901a\u9805\u3092\u8003\u3048\u308b\u3068\u540c\u6c0f\u306f\u5c06\u6765\u306e\u307e\u3059\u307e\u3059\u306e\u300c\u30b0\u30ed\u30fc\u30d0\u30ea\u30bc\u30fc\u30b7\u30e7\u30f3\u300d\u3092\u898b\u636e\u3048\u305f\u3082\u306e\u3067\u3042\u3063\u305f\u3068\u8a00\u3048\u305d\u3046\u3067\u3059\u3002\u305f\u3060\u3001\u8db3\u5143\u306f\u30b3\u30ed\u30ca\u798d\u306e\u5f71\u97ff\u3082\u3042\u308a\u3001\u6025\u901f\u306a\u9006\u56de\u8ee2\u3092\u3057\u3066\u3044\u307e\u3059\u3002<strong>\u30b3\u30ed\u30ca\u30a6\u30a3\u30eb\u30b9\u306b\u5bfe\u3059\u308b\u30ef\u30af\u30c1\u30f3\u304c\u958b\u767a\u3055\u308c\u308b\u306a\u3069\u3057\u305f\u5834\u5408\u3001\u518d\u5ea6\u300c\u30b0\u30ed\u30fc\u30d0\u30ea\u30bc\u30fc\u30b7\u30e7\u30f3\u300d\u306e\u6d41\u308c\u304c\u518d\u5ea6\u51fa\u3066\u304f\u308b\u53ef\u80fd\u6027\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u308c\u307e\u3067\u306f\u300c\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u300d\u306b\u30d5\u30a9\u30fc\u30ab\u30b9\u304c\u5f53\u305f\u308b\u5c55\u958b\u306b\u306a\u308a\u305d\u3046\u3067\u3059\u3002<\/strong><\/p>\n\n\n\n<p>\u3054\u53c2\u8003\u307e\u3067\u306b\u30ab\u30fc\u30c9\u306e\u8cb8\u5012\u61f8\u5ff5\u304c\u682a\u4fa1\u306b\u4e0e\u3048\u308b\u5f71\u97ff\u3092\u898b\u308b\u305f\u3081\u306b\u3001\u30ea\u30fc\u30de\u30f3\u30b7\u30e7\u30c3\u30af\u524d\u5f8c\u306e\u682a\u4fa1\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002\u5f53\u6642\u306f\u30a2\u30e1\u30ea\u30ab\u30f3\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306e\u682a\u4fa1\u306f30\u30c9\u30eb\u304b\u30891\/3\u306e10\u30c9\u30eb\u672a\u6e80\u307e\u30676\u304b\u6708\u307b\u3069\u304b\u3051\u3066\u4f4e\u4e0b\u3057\u3066\u3044\u304d\u307e\u3057\u305f\u304c\u3001\u305d\u306e\u5f8c3\u304b\u6708\u307b\u3069\u3067\u305d\u306e\u5927\u534a\u3092\u623b\u3057\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"415\" height=\"296\" src=\"https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/American-Express\u3068Visa\u306e\u682a\u4fa1\u63a8\u79fb\uff082008.8-2009.7\uff09.png\" alt=\"\" class=\"wp-image-722\" srcset=\"https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/American-Express\u3068Visa\u306e\u682a\u4fa1\u63a8\u79fb\uff082008.8-2009.7\uff09.png 415w, https:\/\/finepresa.com\/wp-content\/uploads\/2020\/07\/American-Express\u3068Visa\u306e\u682a\u4fa1\u63a8\u79fb\uff082008.8-2009.7\uff09-300x214.png 300w\" sizes=\"(max-width: 415px) 100vw, 415px\" 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