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Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 104.00 385.25 Td (Fortr) Tj ET Q q 0 0 0 rg BT 129.45 385.25 Td (ess ) Tj ET Q q 0 0 0 rg BT 145.64 385.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 184.45 385.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 211.02 385.25 Td (str) Tj ET Q q 0 0 0 rg BT 223.65 385.25 Td (engthened) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 366.68 cm /I4 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 369.05 Td (Basel ) Tj ET Q q 0 0 0 rg BT 154.81 369.05 Td (I ) Tj ET Q q 0 0 0 rg BT 161.64 369.05 Td (T) Tj ET Q q 0 0 0 rg BT 168.78 369.05 Td (ier) Tj ET Q q 0 0 0 rg BT 181.40 369.05 Td ( ) Tj ET Q q 0 0 0 rg BT 184.15 369.05 Td (1 ) Tj ET Q q 0 0 0 rg BT 192.40 369.05 Td (common) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 232.72 374.03 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 236.30 369.05 Td ( ) Tj ET Q q 0 0 0 rg BT 239.05 369.05 Td (of ) Tj ET Q q 0 0 0 rg BT 250.96 369.05 Td ($143 ) Tj ET Q q 0 0 0 rg BT 275.71 369.05 Td (billion, ) Tj ET Q q 0 0 0 rg BT 311.17 369.05 Td (or) Tj ET Q q 0 0 0 rg BT 321.36 369.05 Td ( ) Tj ET Q q 0 0 0 rg BT 324.11 369.05 Td (10.2% ) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 350.48 cm /I5 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 352.85 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 177.41 352.85 Td (Basel ) Tj ET Q q 0 0 0 rg BT 205.22 352.85 Td (III ) Tj ET Q q 0 0 0 rg BT 220.61 352.85 Td (T) Tj ET Q q 0 0 0 rg BT 227.75 352.85 Td (ier) Tj ET Q q 0 0 0 rg BT 240.37 352.85 Td ( ) Tj ET Q q 0 0 0 rg BT 243.12 352.85 Td (1 ) Tj ET Q q 0 0 0 rg BT 251.37 352.85 Td (common) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 291.70 357.83 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 295.27 352.85 Td ( ) Tj ET Q q 0 0 0 rg BT 298.02 352.85 Td (of ) Tj ET Q q 0 0 0 rg BT 309.94 352.85 Td (8.9%) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 334.69 357.83 Td (4) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 338.26 352.85 Td (, ) Tj ET Q q 0 0 0 rg BT 343.76 352.85 Td (up ) Tj ET Q q 0 0 0 rg BT 358.75 352.85 Td (fr) Tj ET Q q 0 0 0 rg BT 367.09 352.85 Td (om ) Tj ET Q q 0 0 0 rg BT 384.51 352.85 Td (8.7% ) Tj ET Q q 0 0 0 rg BT 412.01 352.85 Td (in ) Tj ET Q q 0 0 0 rg BT 423.93 352.85 Td (the ) Tj ET Q q 0 0 0 rg BT 441.34 352.85 Td (prior) Tj ET Q q 0 0 0 rg BT 465.58 352.85 Td ( ) Tj ET Q q 0 0 0 rg BT 468.33 352.85 Td (quarter) Tj ET Q q 0 0 0 rg BT 504.18 352.85 Td ( ) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 334.28 cm /I6 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 336.65 Td (High ) Tj ET Q q 0 0 0 rg BT 152.98 336.65 Td (Quality ) Tj ET Q q 0 0 0 rg BT 191.18 336.65 Td (Liquid ) Tj ET Q q 0 0 0 rg BT 225.12 336.65 Td (Assets) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 254.46 341.63 Td (5) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 258.03 336.65 Td ( ) Tj ET Q q 0 0 0 rg BT 260.78 336.65 Td (of ) Tj ET Q q 0 0 0 rg BT 272.69 336.65 Td ($413 ) Tj ET Q q 0 0 0 rg BT 297.44 336.65 Td (billion) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 86.00 320.45 Td (?) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 104.00 320.45 Td (First-quarter) Tj ET Q q 0 0 0 rg BT 166.11 320.45 Td ( ) Tj ET Q q 0 0 0 rg BT 168.86 320.45 Td (r) Tj ET Q q 0 0 0 rg BT 173.54 320.45 Td (esults ) Tj ET Q q 0 0 0 rg BT 202.58 320.45 Td (included ) Tj ET Q q 0 0 0 rg BT 245.67 320.45 Td (the ) Tj ET Q q 0 0 0 rg BT 263.09 320.45 Td (following ) Tj ET Q q 0 0 0 rg BT 309.23 320.45 Td (significant ) Tj ET Q q 0 0 0 rg BT 360.87 320.45 Td (items) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 301.88 cm /I7 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 304.25 Td ($650 ) Tj ET Q q 0 0 0 rg BT 153.59 304.25 Td (million ) Tj ET Q q 0 0 0 rg BT 191.18 304.25 Td (pr) Tj ET Q q 0 0 0 rg BT 201.98 304.25 Td (etax ) Tj ET Q q 0 0 0 rg BT 226.11 304.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 263.08 304.25 Td (\($0.10 ) Tj ET Q q 0 0 0 rg BT 296.08 304.25 Td (per) Tj ET Q q 0 0 0 rg BT 311.77 304.25 Td ( ) Tj ET Q q 0 0 0 rg BT 316.35 304.25 Td (shar) Tj ET Q q 0 0 0 rg BT 336.93 304.25 Td (e ) Tj ET Q q 0 0 0 rg BT 346.40 304.25 Td (after) Tj ET Q q 0 0 0 rg BT 368.59 304.25 Td (-tax ) Tj ET Q q 0 0 0 rg BT 391.50 304.25 Td (incr) Tj ET Q q 0 0 0 rg BT 410.24 304.25 Td (ease ) Tj ET Q q 0 0 0 rg BT 434.37 304.25 Td (in ) Tj ET Q q 0 0 0 rg BT 448.13 304.25 Td (earnings\) ) Tj ET Q q 0 0 0 rg BT 496.72 304.25 Td (fr) Tj ET Q q 0 0 0 rg BT 505.07 304.25 Td (om ) Tj ET Q q 0 0 0 rg BT 524.32 304.25 Td (r) Tj ET Q q 0 0 0 rg BT 529.00 304.25 Td (educed ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 291.05 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 174.34 291.05 Td (loan ) Tj ET Q q 0 0 0 rg BT 197.26 291.05 Td (loss ) Tj ET Q q 0 0 0 rg BT 217.13 291.05 Td (r) Tj ET Q q 0 0 0 rg BT 221.82 291.05 Td (eserves ) Tj ET Q q 0 0 0 rg BT 258.16 291.05 Td (in ) Tj ET Q q 0 0 0 rg BT 270.08 291.05 Td (Real ) Tj ET Q q 0 0 0 rg BT 294.21 291.05 Td (Estate ) Tj ET Q q 0 0 0 rg BT 326.29 291.05 Td (Portfolios) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 272.48 cm /I8 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 274.85 Td ($500 ) Tj ET Q q 0 0 0 rg BT 151.14 274.85 Td (million ) Tj ET Q q 0 0 0 rg BT 186.28 274.85 Td (pr) Tj ET Q q 0 0 0 rg BT 197.08 274.85 Td (etax ) Tj ET Q q 0 0 0 rg BT 218.76 274.85 Td (benefit ) Tj ET Q q 0 0 0 rg BT 253.28 274.85 Td (\($0.08 ) Tj ET Q q 0 0 0 rg BT 283.82 274.85 Td (per) Tj ET Q q 0 0 0 rg BT 299.51 274.85 Td ( ) Tj ET Q q 0 0 0 rg BT 301.64 274.85 Td (shar) Tj ET Q q 0 0 0 rg BT 322.22 274.85 Td (e ) Tj ET Q q 0 0 0 rg BT 329.24 274.85 Td (after) Tj ET Q q 0 0 0 rg BT 351.42 274.85 Td (-tax ) Tj ET Q q 0 0 0 rg BT 371.89 274.85 Td (incr) Tj ET Q q 0 0 0 rg BT 390.63 274.85 Td (ease ) Tj ET Q q 0 0 0 rg BT 412.31 274.85 Td (in ) Tj ET Q q 0 0 0 rg BT 423.62 274.85 Td (earnings\) ) Tj ET Q q 0 0 0 rg BT 469.75 274.85 Td (fr) Tj ET Q q 0 0 0 rg BT 478.10 274.85 Td (om ) Tj ET Q q 0 0 0 rg BT 494.90 274.85 Td (r) Tj ET Q q 0 0 0 rg BT 499.58 274.85 Td (educed ) Tj ET Q q 0 0 0 rg BT 534.71 274.85 Td (cr) Tj ET Q q 0 0 0 rg BT 544.28 274.85 Td (edit ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 261.65 Td (card ) Tj ET Q q 0 0 0 rg BT 151.13 261.65 Td (loan ) Tj ET Q q 0 0 0 rg BT 174.06 261.65 Td (loss ) Tj ET Q q 0 0 0 rg BT 193.92 261.65 Td (r) Tj ET Q q 0 0 0 rg BT 198.61 261.65 Td (eserves ) Tj ET Q q 0 0 0 rg BT 234.95 261.65 Td (in ) Tj ET Q q 0 0 0 rg BT 246.87 261.65 Td (Card ) Tj ET Q q 0 0 0 rg BT 274.07 261.65 Td (Services) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 86.00 245.45 Td (?) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 104.00 245.45 Td (JPMorgan ) Tj ET Q q 0 0 0 rg BT 156.85 245.45 Td (Chase ) Tj ET Q q 0 0 0 rg BT 188.33 245.45 Td (supported ) Tj ET Q q 0 0 0 rg BT 238.76 245.45 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 294.36 245.45 Td (businesses ) Tj ET Q q 0 0 0 rg BT 345.41 245.45 Td (and ) Tj ET Q q 0 0 0 rg BT 365.89 245.45 Td (our) Tj ET Q q 0 0 0 rg BT 382.20 245.45 Td ( ) Tj ET Q q 0 0 0 rg BT 384.95 245.45 Td (communities) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 226.88 cm /I9 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 229.25 Td ($480 ) Tj ET Q q 0 0 0 rg BT 151.75 229.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 184.46 229.25 Td (of ) Tj ET Q q 0 0 0 rg BT 196.37 229.25 Td (cr) Tj ET Q q 0 0 0 rg BT 205.94 229.25 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 223.66 234.23 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 227.23 229.25 Td ( ) Tj ET Q q 0 0 0 rg BT 229.98 229.25 Td (pr) Tj ET Q q 0 0 0 rg BT 240.78 229.25 Td (ovided ) Tj ET Q q 0 0 0 rg BT 274.71 229.25 Td (and ) Tj ET Q q 0 0 0 rg BT 295.19 229.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 329.72 229.25 Td (raised ) Tj ET Q q 0 0 0 rg BT 361.19 229.25 Td (in ) Tj ET Q q 0 0 0 rg BT 373.11 229.25 Td (the ) Tj ET Q q 0 0 0 rg BT 390.52 229.25 Td (first ) Tj ET Q q 0 0 0 rg BT 412.82 229.25 Td (quarter) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 213.05 Td (?) Tj ET Q q 0 0 0 rg BT 140.00 213.05 Td ($78 ) Tj ET Q q 0 0 0 rg BT 159.25 213.05 Td (billion ) Tj ET Q q 0 0 0 rg BT 191.96 213.05 Td (of ) Tj ET Q q 0 0 0 rg BT 203.87 213.05 Td (cr) Tj ET Q q 0 0 0 rg BT 213.44 213.05 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 231.16 218.03 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 234.73 213.05 Td ( ) Tj ET Q q 0 0 0 rg BT 237.48 213.05 Td (pr) Tj ET Q q 0 0 0 rg BT 248.28 213.05 Td (ovided ) Tj ET Q q 0 0 0 rg BT 282.21 213.05 Td (for) Tj ET Q q 0 0 0 rg BT 296.05 213.05 Td ( ) Tj ET Q q 0 0 0 rg BT 298.80 213.05 Td (consumers; ) Tj ET Q q 0 0 0 rg BT 355.32 213.05 Td (originated ) Tj ET Q q 0 0 0 rg BT 406.35 213.05 Td (mor) Tj ET Q q 0 0 0 rg BT 425.70 213.05 Td (e ) Tj ET Q q 0 0 0 rg BT 433.33 213.05 Td (than ) Tj ET Q q 0 0 0 rg BT 457.48 213.05 Td (260,000 ) Tj ET Q q 0 0 0 rg BT 495.98 213.05 Td (mortgages) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 196.85 Td (?) Tj ET Q q 0 0 0 rg BT 140.00 196.85 Td (Nearly ) Tj ET Q q 0 0 0 rg BT 174.51 196.85 Td ($4 ) Tj ET Q q 0 0 0 rg BT 188.26 196.85 Td (billion ) Tj ET Q q 0 0 0 rg BT 220.97 196.85 Td (of ) Tj ET Q q 0 0 0 rg BT 232.89 196.85 Td (cr) Tj ET Q q 0 0 0 rg BT 242.45 196.85 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 260.17 201.83 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 263.75 196.85 Td ( ) Tj ET Q q 0 0 0 rg BT 266.50 196.85 Td (pr) Tj ET Q q 0 0 0 rg BT 277.30 196.85 Td (ovided ) Tj ET Q q 0 0 0 rg BT 311.22 196.85 Td (for) Tj ET Q q 0 0 0 rg BT 325.07 196.85 Td ( ) Tj ET Q q 0 0 0 rg BT 327.82 196.85 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 350.13 196.85 Td (small ) Tj ET Q q 0 0 0 rg BT 377.94 196.85 Td (businesses) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 180.60 Td (?) Tj ET Q q 0 0 0 rg BT 140.00 180.60 Td ($123 ) Tj ET Q q 0 0 0 rg BT 164.75 180.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 197.46 180.60 Td (of ) Tj ET Q q 0 0 0 rg BT 209.37 180.60 Td (cr) Tj ET Q q 0 0 0 rg BT 218.94 180.60 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 236.66 185.58 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 240.23 180.60 Td ( ) Tj ET Q q 0 0 0 rg BT 242.98 180.60 Td (pr) Tj ET Q q 0 0 0 rg BT 253.78 180.60 Td (ovided ) Tj ET Q q 0 0 0 rg BT 287.71 180.60 Td (for) Tj ET Q q 0 0 0 rg BT 301.55 180.60 Td ( ) Tj ET Q q 0 0 0 rg BT 304.30 180.60 Td (corporations) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 155.10000000000002 m 306.5 155.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 155.10000000000002 m 562.5 155.10000000000002 l s BT /F4 9.00 Tf ET q 0 0 0 rg BT 53.00 145.55 Td (Investor Contact:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 116.24 145.55 Td ( Sarah ) Tj ET Q q 0 0 0 rg BT 140.90 145.55 Td (Y) Tj ET Q q 0 0 0 rg BT 146.49 145.55 Td (oungwood \(212\)?70-7325) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 386.75 145.55 Td (Media Contact:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.49 145.55 Td ( Joe Evangelisti \(212\)?70-7438) Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 53.00 132.31 Td (1) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 55.76 128.46 Td ( For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 140.92 128.46 Td ( measures, including managed basis reporting, see page 13.) Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 342.27 132.31 Td ( ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 343.65 128.46 Td (For additional notes on financial measures, see page 14.) Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 53.00 119.31 Td (2) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 55.76 115.46 Td ( Percentage comparisons noted in the bullet points are calculated versus prior) Tj ET Q q 0 0 0 rg BT 318.31 115.46 Td (-year first quarter) Tj ET Q q 0 0 0 rg BT 377.31 115.46 Td (.) Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 53.00 106.31 Td (3 ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 57.14 102.46 Td (The Firm's dividends are subject to the Board's approval at the customary times those dividends are declared.? Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 53.00 93.31 Td (4 ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 57.14 89.46 Td (Includes ) Tj ET Q q 0 0 0 rg BT 88.06 89.46 Td (the ) Tj ET Q q 0 0 0 rg BT 100.57 89.46 Td (estimated ) Tj ET Q q 0 0 0 rg BT 135.27 89.46 Td (impact ) Tj ET Q q 0 0 0 rg BT 160.53 89.46 Td (of ) Tj ET Q q 0 0 0 rg BT 169.74 89.46 Td (final ) Tj ET Q q 0 0 0 rg BT 187.44 89.46 Td (Basel ) Tj ET Q q 0 0 0 rg BT 208.45 89.46 Td (2.5 ) Tj ET Q q 0 0 0 rg BT 221.20 89.46 Td (rules ) Tj ET Q q 0 0 0 rg BT 239.85 89.46 Td (and ) Tj ET Q q 0 0 0 rg BT 254.24 89.46 Td (the ) Tj ET Q q 0 0 0 rg BT 266.75 89.46 Td (Basel ) Tj ET Q q 0 0 0 rg BT 287.76 89.46 Td (III ) Tj ET Q q 0 0 0 rg BT 297.91 89.46 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 334.50 89.46 Td (Notice ) Tj ET Q q 0 0 0 rg BT 359.28 89.46 Td (of ) Tj ET Q q 0 0 0 rg BT 368.48 89.46 Td (Proposed ) Tj ET Q q 0 0 0 rg BT 402.25 89.46 Td (Rulemaking.) Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 53.00 80.31 Td (5 ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 57.07 76.46 Td (High ) Tj ET Q q 0 0 0 rg BT 76.09 76.46 Td (Quality ) Tj ET Q q 0 0 0 rg BT 103.61 76.46 Td (Liquid ) Tj ET Q q 0 0 0 rg BT 127.85 76.46 Td (Assets ) Tj ET Q q 0 0 0 rg BT 152.06 76.46 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 190.90 76.46 Td (is ) Tj ET Q q 0 0 0 rg BT 198.58 76.46 Td (the ) Tj ET Q q 0 0 0 rg BT 210.99 76.46 Td (estimated ) Tj ET Q q 0 0 0 rg BT 245.58 76.46 Td (amount ) Tj ET Q q 0 0 0 rg BT 273.09 76.46 Td (of ) Tj ET Q q 0 0 0 rg BT 282.19 76.46 Td (assets ) Tj ET Q q 0 0 0 rg BT 304.04 76.46 Td (the ) Tj ET Q q 0 0 0 rg BT 316.45 76.46 Td (Firm ) Tj ET Q q 0 0 0 rg BT 335.00 76.46 Td (believes ) Tj ET Q q 0 0 0 rg BT 364.86 76.46 Td (will ) Tj ET Q q 0 0 0 rg BT 380.11 76.46 Td (qualify ) Tj ET Q q 0 0 0 rg BT 406.20 76.46 Td (for ) Tj ET Q q 0 0 0 rg BT 418.13 76.46 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 451.31 76.46 Td (in ) Tj ET Q q 0 0 0 rg BT 459.94 76.46 Td (the ) Tj ET Q q 0 0 0 rg BT 472.35 76.46 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 506.01 76.46 Td (Coverage ) Tj ET Q q 0 0 0 rg BT 540.59 76.46 Td (Ratio ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 57.50 67.96 Td (based ) Tj ET Q q 0 0 0 rg BT 78.98 67.96 Td (on ) Tj ET Q q 0 0 0 rg BT 89.60 67.96 Td (its ) Tj ET Q q 0 0 0 rg BT 99.76 67.96 Td (current ) Tj ET Q q 0 0 0 rg BT 125.95 67.96 Td (understanding ) Tj ET Q q 0 0 0 rg BT 176.24 67.96 Td (of ) Tj ET Q q 0 0 0 rg BT 185.44 67.96 Td (the ) Tj ET Q q 0 0 0 rg BT 197.95 67.96 Td (rules.) Tj ET Q BT /F2 10.00 Tf ET /GS0 gs q 208.00 0 0 15.00 351.00 731.02 cm /I10 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 741.60 Td (?) Tj ET Q q 0 0 0 rg BT 140.00 741.60 Td (Mor) Tj ET Q q 0 0 0 rg BT 160.57 741.60 Td (e ) Tj ET Q q 0 0 0 rg BT 168.20 741.60 Td (than ) Tj ET Q q 0 0 0 rg BT 192.35 741.60 Td ($255 ) Tj ET Q q 0 0 0 rg BT 217.10 741.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 249.81 741.60 Td (of ) Tj ET Q q 0 0 0 rg BT 261.72 741.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 296.25 741.60 Td (raised ) Tj ET Q q 0 0 0 rg BT 327.71 741.60 Td (for) Tj ET Q q 0 0 0 rg BT 341.56 741.60 Td ( ) Tj ET Q q 0 0 0 rg BT 344.31 741.60 Td (clients) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 725.40 Td (?) Tj ET Q q 0 0 0 rg BT 140.00 725.40 Td (Mor) Tj ET Q q 0 0 0 rg BT 160.57 725.40 Td (e ) Tj ET Q q 0 0 0 rg BT 168.24 725.40 Td (than ) Tj ET Q q 0 0 0 rg BT 192.42 725.40 Td ($17 ) Tj ET Q q 0 0 0 rg BT 211.71 725.40 Td (billion ) Tj ET Q q 0 0 0 rg BT 244.46 725.40 Td (of ) Tj ET Q q 0 0 0 rg BT 256.42 725.40 Td (cr) Tj ET Q q 0 0 0 rg BT 265.98 725.40 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 283.70 730.38 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 287.27 725.40 Td ( ) Tj ET Q q 0 0 0 rg BT 290.06 725.40 Td (pr) Tj ET Q q 0 0 0 rg BT 300.87 725.40 Td (ovided ) Tj ET Q q 0 0 0 rg BT 334.83 725.40 Td (and ) Tj ET Q q 0 0 0 rg BT 355.35 725.40 Td (capital ) Tj ET Q q 0 0 0 rg BT 389.92 725.40 Td (raised ) Tj ET Q q 0 0 0 rg BT 421.43 725.40 Td (for) Tj ET Q q 0 0 0 rg BT 435.27 725.40 Td ( ) Tj ET Q q 0 0 0 rg BT 438.06 725.40 Td (nonpr) Tj ET Q q 0 0 0 rg BT 466.60 725.40 Td (ofit ) Tj ET Q q 0 0 0 rg BT 485.27 725.40 Td (and ) Tj ET Q q 0 0 0 rg BT 505.79 725.40 Td (government ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 140.00 712.20 Td (entities, ) Tj ET Q q 0 0 0 rg BT 179.10 712.20 Td (including ) Tj ET Q q 0 0 0 rg BT 225.87 712.20 Td (states, ) Tj ET Q q 0 0 0 rg BT 257.64 712.20 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 329.15 712.20 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 373.47 712.20 Td (and ) Tj ET Q q 0 0 0 rg BT 393.96 712.20 Td (universities) Tj ET Q BT /F2 10.00 Tf ET /GS0 gs q 18.00 0 0 10.82 109.00 693.63 cm /I11 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 696.00 Td (Hir) Tj ET Q q 0 0 0 rg BT 143.30 696.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 157.05 696.00 Td (nearly ) Tj ET Q q 0 0 0 rg BT 189.73 696.00 Td (5,300 ) Tj ET Q q 0 0 0 rg BT 217.23 696.00 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 239.55 696.00 Td (veterans ) Tj ET Q q 0 0 0 rg BT 282.00 696.00 Td (and ) Tj ET Q q 0 0 0 rg BT 302.49 696.00 Td (service ) Tj ET Q q 0 0 0 rg BT 337.61 696.00 Td (members ) Tj ET Q q 0 0 0 rg BT 383.73 696.00 Td (since ) Tj ET Q q 0 0 0 rg BT 409.70 696.00 Td (the ) Tj ET Q q 0 0 0 rg BT 427.11 696.00 Td (beginning ) Tj ET Q q 0 0 0 rg BT 476.33 696.00 Td (of ) Tj ET Q q 0 0 0 rg BT 488.24 696.00 Td (201) Tj ET Q q 0 0 0 rg BT 504.13 696.00 Td (1) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 659.40 Td (New ) Tj ET Q q 0 0 0 rg BT 75.98 659.40 Td (Y) Tj ET Q q 0 0 0 rg BT 83.32 659.40 Td (ork, ) Tj ET Q q 0 0 0 rg BT 107.36 659.40 Td (April ) Tj ET Q q 0 0 0 rg BT 138.59 659.40 Td (12, ) Tj ET Q q 0 0 0 rg BT 157.49 659.40 Td (2013 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 185.39 659.40 Td (- ) Tj ET Q q 0 0 0 rg BT 193.29 659.40 Td (JPMor) Tj ET Q q 0 0 0 rg BT 225.08 659.40 Td (ganChase ) Tj ET Q q 0 0 0 rg BT 278.64 659.40 Td (& ) Tj ET Q q 0 0 0 rg BT 291.87 659.40 Td (Co. ) Tj ET Q q 0 0 0 rg BT 312.78 659.40 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 355.34 659.40 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 385.25 659.40 Td (today ) Tj ET Q q 0 0 0 rg BT 415.81 659.40 Td (reported ) Tj ET Q q 0 0 0 rg BT 459.69 659.40 Td (record ) Tj ET Q q 0 0 0 rg BT 494.24 659.40 Td (net ) Tj ET Q q 0 0 0 rg BT 512.80 659.40 Td (income ) Tj ET Q q 0 0 0 rg BT 552.02 659.40 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 645.00 Td ($6.5billion ) Tj ET Q q 0 0 0 rg BT 107.57 645.00 Td (for ) Tj ET Q q 0 0 0 rg BT 123.80 645.00 Td (the ) Tj ET Q q 0 0 0 rg BT 140.69 645.00 Td (first ) Tj ET Q q 0 0 0 rg BT 162.26 645.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 198.47 645.00 Td (of ) Tj ET Q q 0 0 0 rg BT 210.71 645.00 Td (2013, ) Tj ET Q q 0 0 0 rg BT 239.94 645.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 289.48 645.00 Td (with ) Tj ET Q q 0 0 0 rg BT 313.05 645.00 Td (net ) Tj ET Q q 0 0 0 rg BT 329.95 645.00 Td (income ) Tj ET Q q 0 0 0 rg BT 367.50 645.00 Td (of ) Tj ET Q q 0 0 0 rg BT 379.74 645.00 Td ($4.9 ) Tj ET Q q 0 0 0 rg BT 402.97 645.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 436.54 645.00 Td (in ) Tj ET Q q 0 0 0 rg BT 448.11 645.00 Td (the ) Tj ET Q q 0 0 0 rg BT 465.01 645.00 Td (first ) Tj ET Q q 0 0 0 rg BT 486.57 645.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 522.79 645.00 Td (of ) Tj ET Q q 0 0 0 rg BT 535.02 645.00 Td (2012. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 630.60 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 95.71 630.60 Td (per ) Tj ET Q q 0 0 0 rg BT 114.08 630.60 Td (share ) Tj ET Q q 0 0 0 rg BT 142.46 630.60 Td (were ) Tj ET Q q 0 0 0 rg BT 168.82 630.60 Td (a ) Tj ET Q q 0 0 0 rg BT 177.20 630.60 Td (record ) Tj ET Q q 0 0 0 rg BT 210.90 630.60 Td ($1.59, ) Tj ET Q q 0 0 0 rg BT 243.95 630.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 294.31 630.60 Td (with ) Tj ET Q q 0 0 0 rg BT 318.70 630.60 Td ($1.19 ) Tj ET Q q 0 0 0 rg BT 348.75 630.60 Td (in ) Tj ET Q q 0 0 0 rg BT 361.14 630.60 Td (the ) Tj ET Q q 0 0 0 rg BT 378.85 630.60 Td (first ) Tj ET Q q 0 0 0 rg BT 401.23 630.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 438.27 630.60 Td (of ) Tj ET Q q 0 0 0 rg BT 451.31 630.60 Td (2012. ) Tj ET Q q 0 0 0 rg BT 481.37 630.60 Td (Revenue) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 523.35 636.04 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 527.25 630.60 Td ( ) Tj ET Q q 0 0 0 rg BT 530.30 630.60 Td (for ) Tj ET Q q 0 0 0 rg BT 547.35 630.60 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 616.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 85.79 616.20 Td (was ) Tj ET Q q 0 0 0 rg BT 106.26 616.20 Td ($25.8 ) Tj ET Q q 0 0 0 rg BT 135.07 616.20 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.21 616.20 Td (compared ) Tj ET Q q 0 0 0 rg BT 220.33 616.20 Td (with ) Tj ET Q q 0 0 0 rg BT 243.47 616.20 Td ($26.8 ) Tj ET Q q 0 0 0 rg BT 272.28 616.20 Td (billion ) Tj ET Q q 0 0 0 rg BT 305.43 616.20 Td (in ) Tj ET Q q 0 0 0 rg BT 316.57 616.20 Td (the ) Tj ET Q q 0 0 0 rg BT 333.04 616.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 358.18 616.20 Td (year) Tj ET Q q 0 0 0 rg BT 378.16 616.20 Td (. ) Tj ET Q q 0 0 0 rg BT 382.84 616.20 Td (The ) Tj ET Q q 0 0 0 rg BT 403.31 616.20 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 435.28 616.20 Td (return ) Tj ET Q q 0 0 0 rg BT 465.75 616.20 Td (on ) Tj ET Q q 0 0 0 rg BT 479.55 616.20 Td (tangible ) Tj ET Q q 0 0 0 rg BT 520.02 616.20 Td (common ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 601.80 Td (equity) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 79.99 607.24 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 83.89 601.80 Td ( ) Tj ET Q q 0 0 0 rg BT 86.89 601.80 Td (for ) Tj ET Q q 0 0 0 rg BT 103.89 601.80 Td (the ) Tj ET Q q 0 0 0 rg BT 121.55 601.80 Td (first ) Tj ET Q q 0 0 0 rg BT 143.88 601.80 Td (quarter ) Tj ET Q q 0 0 0 rg BT 180.85 601.80 Td (of ) Tj ET Q q 0 0 0 rg BT 193.85 601.80 Td (2013 ) Tj ET Q q 0 0 0 rg BT 220.85 601.80 Td (was ) Tj ET Q q 0 0 0 rg BT 242.51 601.80 Td (17%, ) Tj ET Q q 0 0 0 rg BT 270.51 601.80 Td (compared ) Tj ET Q q 0 0 0 rg BT 320.82 601.80 Td (with ) Tj ET Q q 0 0 0 rg BT 345.15 601.80 Td (15% ) Tj ET Q q 0 0 0 rg BT 370.15 601.80 Td (in ) Tj ET Q q 0 0 0 rg BT 382.48 601.80 Td (the ) Tj ET Q q 0 0 0 rg BT 400.14 601.80 Td (prior ) Tj ET Q q 0 0 0 rg BT 426.47 601.80 Td (year) Tj ET Q q 0 0 0 rg BT 446.45 601.80 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 581.40 Td (As ) Tj ET Q q 0 0 0 rg BT 67.78 581.40 Td (previously ) Tj ET Q q 0 0 0 rg BT 122.89 581.40 Td (announced, ) Tj ET Q q 0 0 0 rg BT 182.32 581.40 Td (the ) Tj ET Q q 0 0 0 rg BT 201.42 581.40 Td (Board ) Tj ET Q q 0 0 0 rg BT 235.20 581.40 Td (of ) Tj ET Q q 0 0 0 rg BT 249.64 581.40 Td (Directors ) Tj ET Q q 0 0 0 rg BT 298.74 581.40 Td (intends ) Tj ET Q q 0 0 0 rg BT 337.85 581.40 Td (to ) Tj ET Q q 0 0 0 rg BT 351.63 581.40 Td (increase ) Tj ET Q q 0 0 0 rg BT 395.38 581.40 Td (the ) Tj ET Q q 0 0 0 rg BT 414.49 581.40 Td (second-quarter ) Tj ET Q q 0 0 0 rg BT 490.23 581.40 Td (common ) Tj ET Q q 0 0 0 rg BT 536.67 581.40 Td (stock ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 567.00 Td (dividend ) Tj ET Q q 0 0 0 rg BT 94.54 567.00 Td (to ) Tj ET Q q 0 0 0 rg BT 106.41 567.00 Td ($0.38 ) Tj ET Q q 0 0 0 rg BT 135.96 567.00 Td (per ) Tj ET Q q 0 0 0 rg BT 153.82 567.00 Td (share) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 179.14 572.44 Td (3) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 183.04 567.00 Td ( ) Tj ET Q q 0 0 0 rg BT 185.58 567.00 Td (from ) Tj ET Q q 0 0 0 rg BT 211.45 567.00 Td (the ) Tj ET Q q 0 0 0 rg BT 228.66 567.00 Td (current ) Tj ET Q q 0 0 0 rg BT 265.18 567.00 Td ($0.30 ) Tj ET Q q 0 0 0 rg BT 294.72 567.00 Td (per ) Tj ET Q q 0 0 0 rg BT 312.58 567.00 Td (share, ) Tj ET Q q 0 0 0 rg BT 343.45 567.00 Td (returning ) Tj ET Q q 0 0 0 rg BT 389.98 567.00 Td (the ) Tj ET Q q 0 0 0 rg BT 407.18 567.00 Td (dividend ) Tj ET Q q 0 0 0 rg BT 451.72 567.00 Td (to ) Tj ET Q q 0 0 0 rg BT 463.59 567.00 Td (its ) Tj ET Q q 0 0 0 rg BT 477.47 567.00 Td (highest ) Tj ET Q q 0 0 0 rg BT 514.68 567.00 Td (level. ) Tj ET Q q 0 0 0 rg BT 543.36 567.00 Td (The ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 552.60 Td (Board ) Tj ET Q q 0 0 0 rg BT 81.88 552.60 Td (has ) Tj ET Q q 0 0 0 rg BT 100.42 552.60 Td (also ) Tj ET Q q 0 0 0 rg BT 122.30 552.60 Td (authorized ) Tj ET Q q 0 0 0 rg BT 175.50 552.60 Td (the ) Tj ET Q q 0 0 0 rg BT 192.71 552.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 218.59 552.60 Td (to ) Tj ET Q q 0 0 0 rg BT 230.48 552.60 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 285.00 552.60 Td ($6 ) Tj ET Q q 0 0 0 rg BT 299.55 552.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 333.43 552.60 Td (of ) Tj ET Q q 0 0 0 rg BT 345.98 552.60 Td (common ) Tj ET Q q 0 0 0 rg BT 390.52 552.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 423.07 552.60 Td (commencing ) Tj ET Q q 0 0 0 rg BT 487.60 552.60 Td (with ) Tj ET Q q 0 0 0 rg BT 511.48 552.60 Td (the ) Tj ET Q q 0 0 0 rg BT 528.69 552.60 Td (second ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 538.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 87.42 538.20 Td (of ) Tj ET Q q 0 0 0 rg BT 100.86 538.20 Td (this ) Tj ET Q q 0 0 0 rg BT 121.64 538.20 Td (year ) Tj ET Q q 0 0 0 rg BT 145.72 538.20 Td (through ) Tj ET Q q 0 0 0 rg BT 186.50 538.20 Td (the ) Tj ET Q q 0 0 0 rg BT 204.60 538.20 Td (end ) Tj ET Q q 0 0 0 rg BT 225.36 538.20 Td (of ) Tj ET Q q 0 0 0 rg BT 238.80 538.20 Td (the ) Tj ET Q q 0 0 0 rg BT 256.90 538.20 Td (first ) Tj ET Q q 0 0 0 rg BT 279.67 538.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 317.09 538.20 Td (of ) Tj ET Q q 0 0 0 rg BT 330.53 538.20 Td (2014. ) Tj ET Q q 0 0 0 rg BT 360.97 538.20 Td (During ) Tj ET Q q 0 0 0 rg BT 398.41 538.20 Td (the ) Tj ET Q q 0 0 0 rg BT 416.51 538.20 Td (first ) Tj ET Q q 0 0 0 rg BT 439.28 538.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 476.70 538.20 Td (of ) Tj ET Q q 0 0 0 rg BT 490.14 538.20 Td (2013, ) Tj ET Q q 0 0 0 rg BT 520.58 538.20 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 538.20 Td (Firm ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 523.80 Td (repurchased ) Tj ET Q q 0 0 0 rg BT 110.66 523.80 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 134.35 523.80 Td (billion ) Tj ET Q q 0 0 0 rg BT 168.38 523.80 Td (of ) Tj ET Q q 0 0 0 rg BT 181.06 523.80 Td (common ) Tj ET Q q 0 0 0 rg BT 225.75 523.80 Td (equity) Tj ET Q q 0 0 0 rg BT 254.96 523.80 Td (. ) Tj ET Q q 0 0 0 rg BT 260.46 523.80 Td (The ) Tj ET Q q 0 0 0 rg BT 281.81 523.80 Td (Federal ) Tj ET Q q 0 0 0 rg BT 320.48 523.80 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 361.82 523.80 Td (asked ) Tj ET Q q 0 0 0 rg BT 391.83 523.80 Td (the ) Tj ET Q q 0 0 0 rg BT 409.18 523.80 Td (Firm ) Tj ET Q q 0 0 0 rg BT 435.21 523.80 Td (to ) Tj ET Q q 0 0 0 rg BT 447.24 523.80 Td (submit ) Tj ET Q q 0 0 0 rg BT 482.60 523.80 Td (by ) Tj ET Q q 0 0 0 rg BT 497.29 523.80 Td (the ) Tj ET Q q 0 0 0 rg BT 514.64 523.80 Td (end ) Tj ET Q q 0 0 0 rg BT 534.66 523.80 Td (of ) Tj ET Q q 0 0 0 rg BT 547.35 523.80 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 509.40 Td (third ) Tj ET Q q 0 0 0 rg BT 75.37 509.40 Td (quarter ) Tj ET Q q 0 0 0 rg BT 112.06 509.40 Td (an ) Tj ET Q q 0 0 0 rg BT 126.10 509.40 Td (additional ) Tj ET Q q 0 0 0 rg BT 176.80 509.40 Td (capital ) Tj ET Q q 0 0 0 rg BT 211.49 509.40 Td (plan ) Tj ET Q q 0 0 0 rg BT 234.86 509.40 Td (addressing ) Tj ET Q q 0 0 0 rg BT 288.89 509.40 Td (the ) Tj ET Q q 0 0 0 rg BT 306.26 509.40 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 364.95 509.40 Td (it ) Tj ET Q q 0 0 0 rg BT 374.33 509.40 Td (identified ) Tj ET Q q 0 0 0 rg BT 423.02 509.40 Td (in ) Tj ET Q q 0 0 0 rg BT 435.07 509.40 Td (the ) Tj ET Q q 0 0 0 rg BT 452.44 509.40 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 485.32 509.40 Td (capital ) Tj ET Q q 0 0 0 rg BT 520.01 509.40 Td (planning ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 495.00 Td (processes.? Tj ET Q q 0 0 0 rg BT 101.77 495.00 Td (The ) Tj ET Q q 0 0 0 rg BT 124.66 495.00 Td (Firm ) Tj ET Q q 0 0 0 rg BT 152.23 495.00 Td (is ) Tj ET Q q 0 0 0 rg BT 164.47 495.00 Td (dramatically ) Tj ET Q q 0 0 0 rg BT 228.67 495.00 Td (increasing ) Tj ET Q q 0 0 0 rg BT 282.22 495.00 Td (the ) Tj ET Q q 0 0 0 rg BT 301.11 495.00 Td (resources ) Tj ET Q q 0 0 0 rg BT 350.65 495.00 Td (deployed ) Tj ET Q q 0 0 0 rg BT 398.87 495.00 Td (and ) Tj ET Q q 0 0 0 rg BT 420.43 495.00 Td (intends ) Tj ET Q q 0 0 0 rg BT 459.33 495.00 Td (to ) Tj ET Q q 0 0 0 rg BT 472.90 495.00 Td (fully ) Tj ET Q q 0 0 0 rg BT 499.79 495.00 Td (address ) Tj ET Q q 0 0 0 rg BT 540.02 495.00 Td (their ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 480.60 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 120.71 480.60 Td (Following ) Tj ET Q q 0 0 0 rg BT 175.11 480.60 Td (their ) Tj ET Q q 0 0 0 rg BT 202.17 480.60 Td (review) Tj ET Q q 0 0 0 rg BT 234.04 480.60 Td (, ) Tj ET Q q 0 0 0 rg BT 242.10 480.60 Td (the ) Tj ET Q q 0 0 0 rg BT 261.83 480.60 Td (Federal ) Tj ET Q q 0 0 0 rg BT 302.88 480.60 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 346.59 480.60 Td (may ) Tj ET Q q 0 0 0 rg BT 372.31 480.60 Td (require ) Tj ET Q q 0 0 0 rg BT 411.36 480.60 Td (the ) Tj ET Q q 0 0 0 rg BT 431.08 480.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 459.49 480.60 Td (to ) Tj ET Q q 0 0 0 rg BT 473.88 480.60 Td (modify ) Tj ET Q q 0 0 0 rg BT 513.61 480.60 Td (its ) Tj ET Q q 0 0 0 rg BT 530.02 480.60 Td (capital ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 466.20 Td (distributions.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 446.80 Td (Jamie ) Tj ET Q q 0 0 0 rg BT 80.17 446.80 Td (Dimon, ) Tj ET Q q 0 0 0 rg BT 118.69 446.80 Td (Chairman ) Tj ET Q q 0 0 0 rg BT 168.20 446.80 Td (and ) Tj ET Q q 0 0 0 rg BT 187.71 446.80 Td (Chief ) Tj ET Q q 0 0 0 rg BT 216.55 446.80 Td (Executive ) Tj ET Q q 0 0 0 rg BT 266.71 446.80 Td (Of) Tj ET Q q 0 0 0 rg BT 279.16 446.80 Td (ficer) Tj ET Q q 0 0 0 rg BT 300.66 446.80 Td (, ) Tj ET Q q 0 0 0 rg BT 305.84 446.80 Td (commented ) Tj ET Q q 0 0 0 rg BT 364.00 446.80 Td (on ) Tj ET Q q 0 0 0 rg BT 378.19 446.80 Td (the ) Tj ET Q q 0 0 0 rg BT 395.03 446.80 Td (financial ) Tj ET Q q 0 0 0 rg BT 439.19 446.80 Td (results: ) Tj ET Q q 0 0 0 rg BT 476.04 446.80 Td (JPMor) Tj ET Q q 0 0 0 rg BT 513.16 446.80 Td (gan ) Tj ET Q q 0 0 0 rg BT 532.67 446.80 Td (Chase ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 432.40 Td (had ) Tj ET Q q 0 0 0 rg BT 70.67 432.40 Td (a ) Tj ET Q q 0 0 0 rg BT 79.34 432.40 Td (very ) Tj ET Q q 0 0 0 rg BT 104.01 432.40 Td (good ) Tj ET Q q 0 0 0 rg BT 131.36 432.40 Td (start ) Tj ET Q q 0 0 0 rg BT 155.36 432.40 Td (to ) Tj ET Q q 0 0 0 rg BT 168.04 432.40 Td (the ) Tj ET Q q 0 0 0 rg BT 186.05 432.40 Td (year) Tj ET Q q 0 0 0 rg BT 206.04 432.40 Td (. ) Tj ET Q q 0 0 0 rg BT 211.64 432.40 Td (All ) Tj ET Q q 0 0 0 rg BT 230.32 432.40 Td (our ) Tj ET Q q 0 0 0 rg BT 249.66 432.40 Td (businesses ) Tj ET Q q 0 0 0 rg BT 303.68 432.40 Td (had ) Tj ET Q q 0 0 0 rg BT 324.35 432.40 Td (strong ) Tj ET Q q 0 0 0 rg BT 357.69 432.40 Td (performance, ) Tj ET Q q 0 0 0 rg BT 424.67 432.40 Td (and ) Tj ET Q q 0 0 0 rg BT 445.34 432.40 Td (our ) Tj ET Q q 0 0 0 rg BT 464.68 432.40 Td (client ) Tj ET Q q 0 0 0 rg BT 494.68 432.40 Td (franchises ) Tj ET Q q 0 0 0 rg BT 546.67 432.40 Td (did ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 418.00 Td (exceptionally ) Tj ET Q q 0 0 0 rg BT 118.34 418.00 Td (well. ) Tj ET Q q 0 0 0 rg BT 145.44 418.00 Td (The ) Tj ET Q q 0 0 0 rg BT 167.79 418.00 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 219.48 418.00 Td (& ) Tj ET Q q 0 0 0 rg BT 232.51 418.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 289.54 418.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 318.57 418.00 Td (was ) Tj ET Q q 0 0 0 rg BT 340.93 418.00 Td (#1 ) Tj ET Q q 0 0 0 rg BT 356.63 418.00 Td (in ) Tj ET Q q 0 0 0 rg BT 369.67 418.00 Td (fees, ) Tj ET Q q 0 0 0 rg BT 395.69 418.00 Td (global ) Tj ET Q q 0 0 0 rg BT 429.38 418.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 453.75 418.00 Td (and ) Tj ET Q q 0 0 0 rg BT 474.77 418.00 Td (equity) Tj ET Q q 0 0 0 rg BT 503.99 418.00 Td (, ) Tj ET Q q 0 0 0 rg BT 510.69 418.00 Td (syndicated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 403.60 Td (loans, ) Tj ET Q q 0 0 0 rg BT 81.69 403.60 Td (and ) Tj ET Q q 0 0 0 rg BT 102.37 403.60 Td (announced ) Tj ET Q q 0 0 0 rg BT 157.71 403.60 Td (M&A. ) Tj ET Q q 0 0 0 rg BT 192.49 403.60 Td (Those ) Tj ET Q q 0 0 0 rg BT 225.18 403.60 Td (leadership ) Tj ET Q q 0 0 0 rg BT 277.85 403.60 Td (positions ) Tj ET Q q 0 0 0 rg BT 324.54 403.60 Td (reflect ) Tj ET Q q 0 0 0 rg BT 358.54 403.60 Td (the ) Tj ET Q q 0 0 0 rg BT 376.56 403.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 415.91 403.60 Td (of ) Tj ET Q q 0 0 0 rg BT 429.26 403.60 Td (business ) Tj ET Q q 0 0 0 rg BT 473.29 403.60 Td (we ) Tj ET Q q 0 0 0 rg BT 490.64 403.60 Td (do ) Tj ET Q q 0 0 0 rg BT 506.00 403.60 Td (with ) Tj ET Q q 0 0 0 rg BT 530.69 403.60 Td (clients ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 389.20 Td (and ) Tj ET Q q 0 0 0 rg BT 70.92 389.20 Td (it ) Tj ET Q q 0 0 0 rg BT 81.18 389.20 Td (is ) Tj ET Q q 0 0 0 rg BT 92.78 389.20 Td (a ) Tj ET Q q 0 0 0 rg BT 101.70 389.20 Td (great ) Tj ET Q q 0 0 0 rg BT 129.28 389.20 Td (result. ) Tj ET Q q 0 0 0 rg BT 162.54 389.20 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 215.46 389.20 Td (& ) Tj ET Q q 0 0 0 rg BT 228.39 389.20 Td (Community ) Tj ET Q q 0 0 0 rg BT 289.32 389.20 Td (Banking ) Tj ET Q q 0 0 0 rg BT 333.58 389.20 Td (deposits ) Tj ET Q q 0 0 0 rg BT 376.51 389.20 Td (were ) Tj ET Q q 0 0 0 rg BT 403.42 389.20 Td (up ) Tj ET Q q 0 0 0 rg BT 419.01 389.20 Td (10% ) Tj ET Q q 0 0 0 rg BT 444.61 389.20 Td (compared ) Tj ET Q q 0 0 0 rg BT 495.51 389.20 Td (with ) Tj ET Q q 0 0 0 rg BT 520.44 389.20 Td (the ) Tj ET Q q 0 0 0 rg BT 538.69 389.20 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 374.80 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 374.80 Td (, ) Tj ET Q q 0 0 0 rg BT 75.26 374.80 Td (client ) Tj ET Q q 0 0 0 rg BT 104.01 374.80 Td (investment ) Tj ET Q q 0 0 0 rg BT 158.76 374.80 Td (assets ) Tj ET Q q 0 0 0 rg BT 188.86 374.80 Td (were ) Tj ET Q q 0 0 0 rg BT 214.26 374.80 Td (up ) Tj ET Q q 0 0 0 rg BT 228.36 374.80 Td (15%, ) Tj ET Q q 0 0 0 rg BT 255.45 374.80 Td (and ) Tj ET Q q 0 0 0 rg BT 274.87 374.80 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 322.28 374.80 Td (loan ) Tj ET Q q 0 0 0 rg BT 345.04 374.80 Td (originations ) Tj ET Q q 0 0 0 rg BT 404.46 374.80 Td (were ) Tj ET Q q 0 0 0 rg BT 429.87 374.80 Td (up ) Tj ET Q q 0 0 0 rg BT 443.96 374.80 Td (37%. ) Tj ET Q q 0 0 0 rg BT 470.59 374.80 Td (Asset ) Tj ET Q q 0 0 0 rg BT 499.35 374.80 Td (Management ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 360.40 Td (also ) Tj ET Q q 0 0 0 rg BT 70.84 360.40 Td (had ) Tj ET Q q 0 0 0 rg BT 89.68 360.40 Td (strong ) Tj ET Q q 0 0 0 rg BT 121.19 360.40 Td (performance ) Tj ET Q q 0 0 0 rg BT 183.32 360.40 Td (with ) Tj ET Q q 0 0 0 rg BT 206.17 360.40 Td (loan ) Tj ET Q q 0 0 0 rg BT 228.34 360.40 Td (balances ) Tj ET Q q 0 0 0 rg BT 271.16 360.40 Td (up ) Tj ET Q q 0 0 0 rg BT 284.67 360.40 Td (27% ) Tj ET Q q 0 0 0 rg BT 308.17 360.40 Td (compared ) Tj ET Q q 0 0 0 rg BT 356.99 360.40 Td (with ) Tj ET Q q 0 0 0 rg BT 379.84 360.40 Td (the ) Tj ET Q q 0 0 0 rg BT 396.01 360.40 Td (prior ) Tj ET Q q 0 0 0 rg BT 420.84 360.40 Td (year) Tj ET Q q 0 0 0 rg BT 440.83 360.40 Td (. ) Tj ET Q q 0 0 0 rg BT 445.01 360.40 Td (Assets ) Tj ET Q q 0 0 0 rg BT 477.85 360.40 Td (under ) Tj ET Q q 0 0 0 rg BT 506.69 360.40 Td (supervision ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 346.00 Td (were ) Tj ET Q q 0 0 0 rg BT 75.98 346.00 Td (up ) Tj ET Q q 0 0 0 rg BT 90.65 346.00 Td (8% ) Tj ET Q q 0 0 0 rg BT 109.31 346.00 Td (to ) Tj ET Q q 0 0 0 rg BT 121.31 346.00 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 144.97 346.00 Td (trillion. ) Tj ET Q q 0 0 0 rg BT 183.11 346.00 Td (This ) Tj ET Q q 0 0 0 rg BT 207.11 346.00 Td (business ) Tj ET Q q 0 0 0 rg BT 250.45 346.00 Td (achieved ) Tj ET Q q 0 0 0 rg BT 295.75 346.00 Td (a ) Tj ET Q q 0 0 0 rg BT 303.75 346.00 Td (record ) Tj ET Q q 0 0 0 rg BT 337.06 346.00 Td ($31billion ) Tj ET Q q 0 0 0 rg BT 392.06 346.00 Td (of ) Tj ET Q q 0 0 0 rg BT 404.72 346.00 Td (net ) Tj ET Q q 0 0 0 rg BT 422.05 346.00 Td (long-term ) Tj ET Q q 0 0 0 rg BT 472.03 346.00 Td (client ) Tj ET Q q 0 0 0 rg BT 501.35 346.00 Td (flows ) Tj ET Q q 0 0 0 rg BT 530.69 346.00 Td (for ) Tj ET Q q 0 0 0 rg BT 547.34 346.00 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 331.60 Td (first ) Tj ET Q q 0 0 0 rg BT 72.33 331.60 Td (quarter) Tj ET Q q 0 0 0 rg BT 105.65 331.60 Td (.?) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 312.20 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 86.41 312.20 Td (continued: ) Tj ET Q q 0 0 0 rg BT 140.13 312.20 Td (W) Tj ET Q q 0 0 0 rg BT 155.82 312.20 Td (e ) Tj ET Q q 0 0 0 rg BT 164.22 312.20 Td (are ) Tj ET Q q 0 0 0 rg BT 181.94 312.20 Td (seeing ) Tj ET Q q 0 0 0 rg BT 215.67 312.20 Td (positive ) Tj ET Q q 0 0 0 rg BT 256.74 312.20 Td (signs ) Tj ET Q q 0 0 0 rg BT 284.48 312.20 Td (that ) Tj ET Q q 0 0 0 rg BT 305.55 312.20 Td (the ) Tj ET Q q 0 0 0 rg BT 323.28 312.20 Td (economy ) Tj ET Q q 0 0 0 rg BT 370.34 312.20 Td (is ) Tj ET Q q 0 0 0 rg BT 381.42 312.20 Td (healthy ) Tj ET Q q 0 0 0 rg BT 419.81 312.20 Td (and ) Tj ET Q q 0 0 0 rg BT 440.21 312.20 Td (getting ) Tj ET Q q 0 0 0 rg BT 476.61 312.20 Td (stronger) Tj ET Q q 0 0 0 rg BT 515.27 312.20 Td (. ) Tj ET Q q 0 0 0 rg BT 521.34 312.20 Td (Housing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 297.80 Td (prices ) Tj ET Q q 0 0 0 rg BT 82.24 297.80 Td (continued ) Tj ET Q q 0 0 0 rg BT 133.15 297.80 Td (to ) Tj ET Q q 0 0 0 rg BT 146.08 297.80 Td (improve ) Tj ET Q q 0 0 0 rg BT 189.66 297.80 Td (and ) Tj ET Q q 0 0 0 rg BT 210.57 297.80 Td (new ) Tj ET Q q 0 0 0 rg BT 234.16 297.80 Td (home ) Tj ET Q q 0 0 0 rg BT 264.41 297.80 Td (purchases ) Tj ET Q q 0 0 0 rg BT 315.31 297.80 Td (are ) Tj ET Q q 0 0 0 rg BT 333.55 297.80 Td (also ) Tj ET Q q 0 0 0 rg BT 356.47 297.80 Td (starting ) Tj ET Q q 0 0 0 rg BT 396.06 297.80 Td (to ) Tj ET Q q 0 0 0 rg BT 408.98 297.80 Td (come ) Tj ET Q q 0 0 0 rg BT 438.56 297.80 Td (back. ) Tj ET Q q 0 0 0 rg BT 467.54 297.80 Td (W) Tj ET Q q 0 0 0 rg BT 477.91 297.80 Td (e ) Tj ET Q q 0 0 0 rg BT 486.82 297.80 Td (also ) Tj ET Q q 0 0 0 rg BT 509.74 297.80 Td (saw ) Tj ET Q q 0 0 0 rg BT 532.00 297.80 Td (strong ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 283.40 Td (performance ) Tj ET Q q 0 0 0 rg BT 113.16 283.40 Td (in ) Tj ET Q q 0 0 0 rg BT 125.02 283.40 Td (our ) Tj ET Q q 0 0 0 rg BT 143.55 283.40 Td (credit ) Tj ET Q q 0 0 0 rg BT 173.39 283.40 Td (card ) Tj ET Q q 0 0 0 rg BT 196.57 283.40 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 244.09 283.40 Td (with ) Tj ET Q q 0 0 0 rg BT 267.96 283.40 Td (net ) Tj ET Q q 0 0 0 rg BT 285.15 283.40 Td (char) Tj ET Q q 0 0 0 rg BT 305.58 283.40 Td (ge-of) Tj ET Q q 0 0 0 rg BT 330.68 283.40 Td (fs ) Tj ET Q q 0 0 0 rg BT 341.88 283.40 Td (remaining ) Tj ET Q q 0 0 0 rg BT 393.06 283.40 Td (near ) Tj ET Q q 0 0 0 rg BT 416.24 283.40 Td (historic ) Tj ET Q q 0 0 0 rg BT 454.76 283.40 Td (lows, ) Tj ET Q q 0 0 0 rg BT 482.96 283.40 Td (another ) Tj ET Q q 0 0 0 rg BT 521.47 283.40 Td (sign ) Tj ET Q q 0 0 0 rg BT 544.01 283.40 Td (that ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 269.00 Td (consumers ) Tj ET Q q 0 0 0 rg BT 103.00 269.00 Td (are ) Tj ET Q q 0 0 0 rg BT 119.33 269.00 Td (healthier ) Tj ET Q q 0 0 0 rg BT 162.99 269.00 Td (and ) Tj ET Q q 0 0 0 rg BT 181.99 269.00 Td (more ) Tj ET Q q 0 0 0 rg BT 208.33 269.00 Td (confident. ) Tj ET Q q 0 0 0 rg BT 257.96 269.00 Td (As ) Tj ET Q q 0 0 0 rg BT 272.97 269.00 Td (a ) Tj ET Q q 0 0 0 rg BT 279.98 269.00 Td (result, ) Tj ET Q q 0 0 0 rg BT 311.32 269.00 Td (we ) Tj ET Q q 0 0 0 rg BT 326.99 269.00 Td (reduced ) Tj ET Q q 0 0 0 rg BT 366.65 269.00 Td (the ) Tj ET Q q 0 0 0 rg BT 382.99 269.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 433.31 269.00 Td (for ) Tj ET Q q 0 0 0 rg BT 448.98 269.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 471.32 269.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 501.67 269.00 Td (in ) Tj ET Q q 0 0 0 rg BT 512.68 269.00 Td (Consumer ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 254.60 Td (& ) Tj ET Q q 0 0 0 rg BT 62.96 254.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 123.92 254.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 168.20 254.60 Td (in ) Tj ET Q q 0 0 0 rg BT 181.16 254.60 Td (the ) Tj ET Q q 0 0 0 rg BT 199.44 254.60 Td (first ) Tj ET Q q 0 0 0 rg BT 222.39 254.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 259.99 254.60 Td (by ) Tj ET Q q 0 0 0 rg BT 275.61 254.60 Td (a ) Tj ET Q q 0 0 0 rg BT 284.56 254.60 Td (total ) Tj ET Q q 0 0 0 rg BT 309.51 254.60 Td (of ) Tj ET Q q 0 0 0 rg BT 323.12 254.60 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 347.74 254.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 382.70 254.60 Td (and ) Tj ET Q q 0 0 0 rg BT 403.65 254.60 Td (are ) Tj ET Q q 0 0 0 rg BT 421.92 254.60 Td (likely ) Tj ET Q q 0 0 0 rg BT 452.87 254.60 Td (to ) Tj ET Q q 0 0 0 rg BT 465.82 254.60 Td (see ) Tj ET Q q 0 0 0 rg BT 484.77 254.60 Td (further ) Tj ET Q q 0 0 0 rg BT 521.04 254.60 Td (releases. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 240.20 Td (Credit ) Tj ET Q q 0 0 0 rg BT 82.99 240.20 Td (conditions ) Tj ET Q q 0 0 0 rg BT 135.99 240.20 Td (were ) Tj ET Q q 0 0 0 rg BT 162.31 240.20 Td (also ) Tj ET Q q 0 0 0 rg BT 184.64 240.20 Td (favorable ) Tj ET Q q 0 0 0 rg BT 232.94 240.20 Td (across ) Tj ET Q q 0 0 0 rg BT 265.93 240.20 Td (the ) Tj ET Q q 0 0 0 rg BT 283.59 240.20 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 334.57 240.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 358.23 240.20 Td (portfolios.? 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Tj ET Q q 0 0 0 rg BT 121.99 163.20 Td (W) Tj ET Q q 0 0 0 rg BT 132.83 163.20 Td (ith ) Tj ET Q q 0 0 0 rg BT 147.95 163.20 Td (approximately ) Tj ET Q q 0 0 0 rg BT 219.71 163.20 Td (2 ) Tj ET Q q 0 0 0 rg BT 228.16 163.20 Td (million ) Tj ET Q q 0 0 0 rg BT 265.28 163.20 Td (small ) Tj ET Q q 0 0 0 rg BT 293.73 163.20 Td (business ) Tj ET Q q 0 0 0 rg BT 336.85 163.20 Td (customers, ) Tj ET Q q 0 0 0 rg BT 390.95 163.20 Td (Chase ) Tj ET Q q 0 0 0 rg BT 422.73 163.20 Td (remains ) Tj ET Q q 0 0 0 rg BT 463.16 163.20 Td (the ) Tj ET Q q 0 0 0 rg BT 480.27 163.20 Td (nation's ) Tj ET Q q 0 0 0 rg BT 519.55 163.20 Td (#1 ) Tj ET Q q 0 0 0 rg BT 534.00 163.20 Td (Small ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 148.80 Td (Business ) Tj ET Q q 0 0 0 rg BT 95.01 148.80 Td (Administration ) Tj ET Q q 0 0 0 rg BT 170.67 148.80 Td (lender ) Tj ET Q q 0 0 0 rg BT 203.66 148.80 Td (and ) Tj ET Q q 0 0 0 rg BT 223.98 148.80 Td (we ) Tj ET Q q 0 0 0 rg BT 240.97 148.80 Td (plan ) Tj ET Q q 0 0 0 rg BT 264.63 148.80 Td (to ) Tj ET Q q 0 0 0 rg BT 276.97 148.80 Td (serve ) Tj ET Q q 0 0 0 rg BT 305.29 148.80 Td (more ) Tj ET Q q 0 0 0 rg BT 332.94 148.80 Td (customers ) Tj ET Q q 0 0 0 rg BT 384.60 148.80 Td (when ) Tj ET Q q 0 0 0 rg BT 413.59 148.80 Td (loan ) Tj ET Q q 0 0 0 rg BT 437.25 148.80 Td (demand ) Tj ET Q q 0 0 0 rg BT 478.24 148.80 Td (comes ) Tj ET Q q 0 0 0 rg BT 511.89 148.80 Td (back.?) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 129.40 Td (Commenting ) Tj ET Q q 0 0 0 rg BT 115.14 129.40 Td (on ) Tj ET Q q 0 0 0 rg BT 129.62 129.40 Td (the ) Tj ET Q q 0 0 0 rg BT 146.75 129.40 Td (balance ) Tj ET Q q 0 0 0 rg BT 185.87 129.40 Td (sheet, ) Tj ET Q q 0 0 0 rg BT 216.00 129.40 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 251.81 129.40 Td (said: ) Tj ET Q q 0 0 0 rg BT 276.95 129.40 Td (W) Tj ET Q q 0 0 0 rg BT 292.64 129.40 Td (e ) Tj ET Q q 0 0 0 rg BT 300.44 129.40 Td (strengthened ) Tj ET Q q 0 0 0 rg BT 364.23 129.40 Td (our ) Tj ET Q q 0 0 0 rg BT 382.70 129.40 Td (fortress ) Tj ET Q q 0 0 0 rg BT 421.17 129.40 Td (balance ) Tj ET Q q 0 0 0 rg BT 460.28 129.40 Td (sheet, ) Tj ET Q q 0 0 0 rg BT 490.41 129.40 Td (ending ) Tj ET Q q 0 0 0 rg BT 525.55 129.40 Td (the ) Tj ET Q q 0 0 0 rg BT 542.68 129.40 Td (first ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 115.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 86.85 115.00 Td (with ) Tj ET Q q 0 0 0 rg BT 111.05 115.00 Td (Basel ) Tj ET Q q 0 0 0 rg BT 140.58 115.00 Td (I ) Tj ET Q q 0 0 0 rg BT 147.24 115.00 Td (T) Tj ET Q q 0 0 0 rg BT 154.15 115.00 Td (ier ) Tj ET Q q 0 0 0 rg BT 169.67 115.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 178.54 115.00 Td (common ) Tj ET Q q 0 0 0 rg BT 223.41 115.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 258.26 115.00 Td (of ) Tj ET Q q 0 0 0 rg BT 271.12 115.00 Td ($143 ) Tj ET Q q 0 0 0 rg BT 297.99 115.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 332.20 115.00 Td (and ) Tj ET Q q 0 0 0 rg BT 352.39 115.00 Td (a ) Tj ET Q q 0 0 0 rg BT 360.59 115.00 Td (resulting ) Tj ET Q q 0 0 0 rg BT 405.45 115.00 Td (ratio) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 427.44 120.44 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 431.34 115.00 Td ( ) Tj ET Q q 0 0 0 rg BT 434.21 115.00 Td (of ) Tj ET Q q 0 0 0 rg BT 447.08 115.00 Td (10.2%; ) Tj ET Q q 0 0 0 rg BT 484.28 115.00 Td (this ) Tj ET Q q 0 0 0 rg BT 504.49 115.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 547.35 115.00 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 100.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 85.58 100.60 Td (of ) Tj ET Q q 0 0 0 rg BT 98.50 100.60 Td (the ) Tj ET Q q 0 0 0 rg BT 116.09 100.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 145.67 100.60 Td (2.5 ) Tj ET Q q 0 0 0 rg BT 163.60 100.60 Td (rules ) Tj ET Q q 0 0 0 rg BT 189.85 100.60 Td (that ) Tj ET Q q 0 0 0 rg BT 210.77 100.60 Td (became ) Tj ET Q q 0 0 0 rg BT 250.33 100.60 Td (ef) Tj ET Q q 0 0 0 rg BT 259.44 100.60 Td (fective ) Tj ET Q q 0 0 0 rg BT 295.01 100.60 Td (at ) Tj ET Q q 0 0 0 rg BT 306.59 100.60 Td (the ) Tj ET Q q 0 0 0 rg BT 324.18 100.60 Td (beginning ) Tj ET Q q 0 0 0 rg BT 375.10 100.60 Td (of ) Tj ET Q q 0 0 0 rg BT 388.02 100.60 Td (this ) Tj ET Q q 0 0 0 rg BT 408.28 100.60 Td (year) Tj ET Q q 0 0 0 rg BT 428.27 100.60 Td (. ) Tj ET Q q 0 0 0 rg BT 433.98 100.60 Td (W) Tj ET Q q 0 0 0 rg BT 444.35 100.60 Td (e ) Tj ET Q q 0 0 0 rg BT 452.60 100.60 Td (estimate ) Tj ET Q q 0 0 0 rg BT 495.51 100.60 Td (that ) Tj ET Q q 0 0 0 rg BT 516.43 100.60 Td (our ) Tj ET Q q 0 0 0 rg BT 535.35 100.60 Td (Basel ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 86.20 Td (III ) Tj ET Q q 0 0 0 rg BT 64.59 86.20 Td (T) Tj ET Q q 0 0 0 rg BT 71.50 86.20 Td (ier ) Tj ET Q q 0 0 0 rg BT 86.96 86.20 Td (1 ) Tj ET Q q 0 0 0 rg BT 95.77 86.20 Td (common ) Tj ET Q q 0 0 0 rg BT 140.56 86.20 Td (ratio) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 162.56 91.64 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 166.45 86.20 Td ( ) Tj ET Q q 0 0 0 rg BT 169.26 86.20 Td (was ) Tj ET Q q 0 0 0 rg BT 190.73 86.20 Td (approximately ) Tj ET Q q 0 0 0 rg BT 262.84 86.20 Td (8.9%) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 287.84 91.64 Td (4 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 293.56 86.20 Td (at ) Tj ET Q q 0 0 0 rg BT 305.03 86.20 Td (the ) Tj ET Q q 0 0 0 rg BT 322.49 86.20 Td (end ) Tj ET Q q 0 0 0 rg BT 342.62 86.20 Td (of ) Tj ET Q q 0 0 0 rg BT 355.42 86.20 Td (the ) Tj ET Q q 0 0 0 rg BT 372.89 86.20 Td (first ) Tj ET Q q 0 0 0 rg BT 395.03 86.20 Td (quarter) Tj ET Q q 0 0 0 rg BT 428.52 86.20 Td (, ) Tj ET Q q 0 0 0 rg BT 434.33 86.20 Td (up ) Tj ET Q q 0 0 0 rg BT 449.13 86.20 Td (from ) Tj ET Q q 0 0 0 rg BT 475.27 86.20 Td (8.7% ) Tj ET Q q 0 0 0 rg BT 503.07 86.20 Td (in ) Tj ET Q q 0 0 0 rg BT 515.21 86.20 Td (the ) Tj ET Q q 0 0 0 rg BT 532.67 86.20 Td (fourth ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 71.80 Td (quarter) Tj ET Q q 0 0 0 rg BT 83.32 71.80 Td (.?) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 85.83 740.70 Td (continued: ) Tj ET Q q 0 0 0 rg BT 138.98 740.70 Td (W) Tj ET Q q 0 0 0 rg BT 154.67 740.70 Td (e ) Tj ET Q q 0 0 0 rg BT 162.50 740.70 Td (are ) Tj ET Q q 0 0 0 rg BT 179.64 740.70 Td (pleased ) Tj ET Q q 0 0 0 rg BT 218.12 740.70 Td (that ) Tj ET Q q 0 0 0 rg BT 238.62 740.70 Td (our ) Tj ET Q q 0 0 0 rg BT 257.11 740.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 291.59 740.70 Td (strength ) Tj ET Q q 0 0 0 rg BT 332.75 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 352.57 740.70 Td (earnings ) Tj ET Q q 0 0 0 rg BT 395.72 740.70 Td (power ) Tj ET Q q 0 0 0 rg BT 428.21 740.70 Td (will ) Tj ET Q q 0 0 0 rg BT 449.37 740.70 Td (allow ) Tj ET Q q 0 0 0 rg BT 478.53 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 495.69 740.70 Td (Firm ) Tj ET Q q 0 0 0 rg BT 521.52 740.70 Td (to ) Tj ET Q q 0 0 0 rg BT 533.35 740.70 Td (return ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (excess ) Tj ET Q q 0 0 0 rg BT 84.49 726.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 119.65 726.30 Td (to ) Tj ET Q q 0 0 0 rg BT 132.16 726.30 Td (our ) Tj ET Q q 0 0 0 rg BT 151.33 726.30 Td (shareholders. ) Tj ET Q q 0 0 0 rg BT 217.92 726.30 Td (W) Tj ET Q q 0 0 0 rg BT 228.29 726.30 Td (e ) Tj ET Q q 0 0 0 rg BT 236.79 726.30 Td (are ) Tj ET Q q 0 0 0 rg BT 254.61 726.30 Td (also ) Tj ET Q q 0 0 0 rg BT 277.12 726.30 Td (doing ) Tj ET Q q 0 0 0 rg BT 307.63 726.30 Td (our ) Tj ET Q q 0 0 0 rg BT 326.80 726.30 Td (part ) Tj ET Q q 0 0 0 rg BT 348.63 726.30 Td (to ) Tj ET Q q 0 0 0 rg BT 361.14 726.30 Td (support ) Tj ET Q q 0 0 0 rg BT 400.32 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 418.16 726.30 Td (economic ) Tj ET Q q 0 0 0 rg BT 467.98 726.30 Td (recovery) Tj ET Q q 0 0 0 rg BT 509.17 726.30 Td (, ) Tj ET Q q 0 0 0 rg BT 515.34 726.30 Td (providing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (credit) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 77.32 717.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 81.22 711.90 Td ( ) Tj ET Q q 0 0 0 rg BT 84.78 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 105.68 711.90 Td (raising ) Tj ET Q q 0 0 0 rg BT 141.90 711.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 177.45 711.90 Td (totaling ) Tj ET Q q 0 0 0 rg BT 217.68 711.90 Td ($480 ) Tj ET Q q 0 0 0 rg BT 245.25 711.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 280.15 711.90 Td (for ) Tj ET Q q 0 0 0 rg BT 297.71 711.90 Td (our ) Tj ET Q q 0 0 0 rg BT 317.27 711.90 Td (clients ) Tj ET Q q 0 0 0 rg BT 352.16 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 365.06 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 383.29 711.90 Td (first ) Tj ET Q q 0 0 0 rg BT 406.19 711.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 439.50 711.90 Td (. ) Tj ET Q q 0 0 0 rg BT 445.28 711.90 Td (As ) Tj ET Q q 0 0 0 rg BT 462.19 711.90 Td (I ) Tj ET Q q 0 0 0 rg BT 469.75 711.90 Td (said ) Tj ET Q q 0 0 0 rg BT 492.65 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 505.55 711.90 Td (my ) Tj ET Q q 0 0 0 rg BT 524.45 711.90 Td (letter ) Tj ET Q q 0 0 0 rg BT 552.67 711.90 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 113.53 697.50 Td (distributed ) Tj ET Q q 0 0 0 rg BT 167.75 697.50 Td (this ) Tj ET Q q 0 0 0 rg BT 187.98 697.50 Td (week ) Tj ET Q q 0 0 0 rg BT 216.19 697.50 Td (in ) Tj ET Q q 0 0 0 rg BT 228.41 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 245.96 697.50 Td (2012 ) Tj ET Q q 0 0 0 rg BT 272.85 697.50 Td (annual ) Tj ET Q q 0 0 0 rg BT 307.73 697.50 Td (report, ) Tj ET Q q 0 0 0 rg BT 342.27 697.50 Td (we ) Tj ET Q q 0 0 0 rg BT 359.16 697.50 Td (have ) Tj ET Q q 0 0 0 rg BT 384.70 697.50 Td (work ) Tj ET Q q 0 0 0 rg BT 412.25 697.50 Td (to ) Tj ET Q q 0 0 0 rg BT 424.47 697.50 Td (do ) Tj ET Q q 0 0 0 rg BT 439.36 697.50 Td (to ) Tj ET Q q 0 0 0 rg BT 451.59 697.50 Td (strengthen ) Tj ET Q q 0 0 0 rg BT 504.46 697.50 Td (our ) Tj ET Q q 0 0 0 rg BT 523.35 697.50 Td (controls ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 70.32 683.10 Td (carry ) Tj ET Q q 0 0 0 rg BT 97.96 683.10 Td (out ) Tj ET Q q 0 0 0 rg BT 116.28 683.10 Td (our ) Tj ET Q q 0 0 0 rg BT 135.27 683.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 193.57 683.10 Td (mission. ) Tj ET Q q 0 0 0 rg BT 236.69 683.10 Td (T) Tj ET Q q 0 0 0 rg BT 243.18 683.10 Td (o ) Tj ET Q q 0 0 0 rg BT 252.17 683.10 Td (do ) Tj ET Q q 0 0 0 rg BT 267.17 683.10 Td (so, ) Tj ET Q q 0 0 0 rg BT 283.83 683.10 Td (we ) Tj ET Q q 0 0 0 rg BT 300.81 683.10 Td (have ) Tj ET Q q 0 0 0 rg BT 326.46 683.10 Td (reprioritized ) Tj ET Q q 0 0 0 rg BT 388.75 683.10 Td (our ) Tj ET Q q 0 0 0 rg BT 407.74 683.10 Td (business ) Tj ET Q q 0 0 0 rg BT 451.41 683.10 Td (agenda ) Tj ET Q q 0 0 0 rg BT 488.38 683.10 Td (to ) Tj ET Q q 0 0 0 rg BT 500.70 683.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 529.69 683.10 Td (on ) Tj ET Q q 0 0 0 rg BT 544.68 683.10 Td (this ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (critical ) Tj ET Q q 0 0 0 rg BT 87.47 668.70 Td (ef) Tj ET Q q 0 0 0 rg BT 96.58 668.70 Td (fort ) Tj ET Q q 0 0 0 rg BT 118.07 668.70 Td (?) Tj ET Q q 0 0 0 rg BT 128.23 668.70 Td (it ) Tj ET Q q 0 0 0 rg BT 139.06 668.70 Td (is ) Tj ET Q q 0 0 0 rg BT 151.23 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 170.05 668.70 Td (top ) Tj ET Q q 0 0 0 rg BT 189.55 668.70 Td (priority ) Tj ET Q q 0 0 0 rg BT 229.71 668.70 Td (for ) Tj ET Q q 0 0 0 rg BT 247.86 668.70 Td (our ) Tj ET Q q 0 0 0 rg BT 268.02 668.70 Td (company) Tj ET Q q 0 0 0 rg BT 311.23 668.70 Td (. ) Tj ET Q q 0 0 0 rg BT 318.09 668.70 Td (There ) Tj ET Q q 0 0 0 rg BT 350.23 668.70 Td (is ) Tj ET Q q 0 0 0 rg BT 362.40 668.70 Td (no ) Tj ET Q q 0 0 0 rg BT 378.56 668.70 Td (room ) Tj ET Q q 0 0 0 rg BT 408.06 668.70 Td (for ) Tj ET Q q 0 0 0 rg BT 426.21 668.70 Td (compromise ) Tj ET Q q 0 0 0 rg BT 489.69 668.70 Td (in ) Tj ET Q q 0 0 0 rg BT 503.19 668.70 Td (meeting ) Tj ET Q q 0 0 0 rg BT 546.01 668.70 Td (our ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 654.30 Td (obligations ) Tj ET Q q 0 0 0 rg BT 105.79 654.30 Td (to ) Tj ET Q q 0 0 0 rg BT 117.59 654.30 Td (comply ) Tj ET Q q 0 0 0 rg BT 156.05 654.30 Td (with ) Tj ET Q q 0 0 0 rg BT 179.84 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 196.97 654.30 Td (new ) Tj ET Q q 0 0 0 rg BT 219.42 654.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 271.20 654.30 Td (requirements ) Tj ET Q q 0 0 0 rg BT 336.30 654.30 Td (and ) Tj ET Q q 0 0 0 rg BT 356.09 654.30 Td (ensure ) Tj ET Q q 0 0 0 rg BT 389.87 654.30 Td (that ) Tj ET Q q 0 0 0 rg BT 410.33 654.30 Td (our ) Tj ET Q q 0 0 0 rg BT 428.79 654.30 Td (systems, ) Tj ET Q q 0 0 0 rg BT 472.25 654.30 Td (practices, ) Tj ET Q q 0 0 0 rg BT 520.35 654.30 Td (controls, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 639.90 Td (technology ) Tj ET Q q 0 0 0 rg BT 104.90 639.90 Td (and, ) Tj ET Q q 0 0 0 rg BT 126.80 639.90 Td (above ) Tj ET Q q 0 0 0 rg BT 157.03 639.90 Td (all, ) Tj ET Q q 0 0 0 rg BT 173.60 639.90 Td (culture ) Tj ET Q q 0 0 0 rg BT 208.50 639.90 Td (meet ) Tj ET Q q 0 0 0 rg BT 233.40 639.90 Td (the ) Tj ET Q q 0 0 0 rg BT 249.63 639.90 Td (highest ) Tj ET Q q 0 0 0 rg BT 285.88 639.90 Td (standards. ) Tj ET Q q 0 0 0 rg BT 335.43 639.90 Td (And ) Tj ET Q q 0 0 0 rg BT 357.67 639.90 Td (we ) Tj ET Q q 0 0 0 rg BT 373.24 639.90 Td (will ) Tj ET Q q 0 0 0 rg BT 393.49 639.90 Td (continue ) Tj ET Q q 0 0 0 rg BT 436.38 639.90 Td (to ) Tj ET Q q 0 0 0 rg BT 447.30 639.90 Td (work ) Tj ET Q q 0 0 0 rg BT 473.54 639.90 Td (with ) Tj ET Q q 0 0 0 rg BT 496.45 639.90 Td (our ) Tj ET Q q 0 0 0 rg BT 514.02 639.90 Td (regulators ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 625.50 Td (on ) Tj ET Q q 0 0 0 rg BT 65.00 625.50 Td (our ) Tj ET Q q 0 0 0 rg BT 84.00 625.50 Td (common ) Tj ET Q q 0 0 0 rg BT 128.99 625.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 167.31 625.50 Td (?) Tj ET Q q 0 0 0 rg BT 176.31 625.50 Td (to ) Tj ET Q q 0 0 0 rg BT 188.64 625.50 Td (build ) Tj ET Q q 0 0 0 rg BT 216.31 625.50 Td (and ) Tj ET Q q 0 0 0 rg BT 236.64 625.50 Td (sustain ) Tj ET Q q 0 0 0 rg BT 272.97 625.50 Td (a ) Tj ET Q q 0 0 0 rg BT 281.30 625.50 Td (strong ) Tj ET Q q 0 0 0 rg BT 314.30 625.50 Td (and ) Tj ET Q q 0 0 0 rg BT 334.63 625.50 Td (safe ) Tj ET Q q 0 0 0 rg BT 356.94 625.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 401.92 625.50 Td (system.?) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (Dimon concluded: W) Tj ET Q q 0 0 0 rg BT 157.67 605.10 Td (e are very pleased with our first-quarter results, are proud of our accomplishments ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 590.70 Td (and remain optimistic about the future.? Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 572.70 Td (In ) Tj ET Q q 0 0 0 rg BT 60.31 572.70 Td (the ) Tj ET Q q 0 0 0 rg BT 74.51 572.70 Td (discussion ) Tj ET Q q 0 0 0 rg BT 118.17 572.70 Td (below ) Tj ET Q q 0 0 0 rg BT 144.04 572.70 Td (of ) Tj ET Q q 0 0 0 rg BT 153.80 572.70 Td (the ) Tj ET Q q 0 0 0 rg BT 168.00 572.70 Td (business ) Tj ET Q q 0 0 0 rg BT 203.88 572.70 Td (segments ) Tj ET Q q 0 0 0 rg BT 242.52 572.70 Td (and ) Tj ET Q q 0 0 0 rg BT 259.51 572.70 Td (of ) Tj ET Q q 0 0 0 rg BT 269.27 572.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 296.67 572.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 313.65 572.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 340.63 572.70 Td (as ) Tj ET Q q 0 0 0 rg BT 351.51 572.70 Td (a ) Tj ET Q q 0 0 0 rg BT 358.49 572.70 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 382.98 572.70 Td (information ) Tj ET Q q 0 0 0 rg BT 432.19 572.70 Td (is ) Tj ET Q q 0 0 0 rg BT 440.84 572.70 Td (pr) Tj ET Q q 0 0 0 rg BT 449.36 572.70 Td (esented ) Tj ET Q q 0 0 0 rg BT 481.33 572.70 Td (on ) Tj ET Q q 0 0 0 rg BT 493.31 572.70 Td (a ) Tj ET Q q 0 0 0 rg BT 500.30 572.70 Td (managed ) Tj ET Q q 0 0 0 rg BT 538.94 572.70 Td (basis. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 560.70 Td (For ) Tj ET Q q 0 0 0 rg BT 67.34 560.70 Td (mor) Tj ET Q q 0 0 0 rg BT 83.08 560.70 Td (e ) Tj ET Q q 0 0 0 rg BT 89.87 560.70 Td (information ) Tj ET Q q 0 0 0 rg BT 139.44 560.70 Td (about ) Tj ET Q q 0 0 0 rg BT 164.56 560.70 Td (managed ) Tj ET Q q 0 0 0 rg BT 203.56 560.70 Td (basis, ) Tj ET Q q 0 0 0 rg BT 228.96 560.70 Td (as ) Tj ET Q q 0 0 0 rg BT 240.20 560.70 Td (well ) Tj ET Q q 0 0 0 rg BT 259.21 560.70 Td (as ) Tj ET Q q 0 0 0 rg BT 270.44 560.70 Td (other ) Tj ET Q q 0 0 0 rg BT 293.89 560.70 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 337.59 560.70 Td ( ) Tj ET Q q 0 0 0 rg BT 339.93 560.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 377.83 560.70 Td (measur) Tj ET Q q 0 0 0 rg BT 406.90 560.70 Td (es ) Tj ET Q q 0 0 0 rg BT 417.57 560.70 Td (used ) Tj ET Q q 0 0 0 rg BT 438.24 560.70 Td (by ) Tj ET Q q 0 0 0 rg BT 450.02 560.70 Td (management ) Tj ET Q q 0 0 0 rg BT 503.47 560.70 Td (to ) Tj ET Q q 0 0 0 rg BT 513.59 560.70 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 549.80 560.70 Td (the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 548.70 Td (performance ) Tj ET Q q 0 0 0 rg BT 103.47 548.70 Td (of ) Tj ET Q q 0 0 0 rg BT 113.62 548.70 Td (each ) Tj ET Q q 0 0 0 rg BT 134.87 548.70 Td (line ) Tj ET Q q 0 0 0 rg BT 152.23 548.70 Td (of ) Tj ET Q q 0 0 0 rg BT 162.38 548.70 Td (business, ) Tj ET Q q 0 0 0 rg BT 201.14 548.70 Td (see ) Tj ET Q q 0 0 0 rg BT 216.28 548.70 Td (page ) Tj ET Q q 0 0 0 rg BT 238.09 548.70 Td (13. ) Tj ET Q q 0 0 0 rg BT 252.96 548.70 Td (The ) Tj ET Q q 0 0 0 rg BT 270.33 548.70 Td (following ) Tj ET Q q 0 0 0 rg BT 310.49 548.70 Td (discussion ) Tj ET Q q 0 0 0 rg BT 354.53 548.70 Td (compar) Tj ET Q q 0 0 0 rg BT 384.71 548.70 Td (es ) Tj ET Q q 0 0 0 rg BT 395.41 548.70 Td (the ) Tj ET Q q 0 0 0 rg BT 410.00 548.70 Td (first ) Tj ET Q q 0 0 0 rg BT 428.48 548.70 Td (quarters ) Tj ET Q q 0 0 0 rg BT 464.75 548.70 Td (of ) Tj ET Q q 0 0 0 rg BT 474.90 548.70 Td (2013 ) Tj ET Q q 0 0 0 rg BT 497.27 548.70 Td (and ) Tj ET Q q 0 0 0 rg BT 514.64 548.70 Td (2012 ) Tj ET Q q 0 0 0 rg BT 537.01 548.70 Td (unless ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 536.70 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 91.39 536.70 Td (noted. ) Tj ET Q q 0 0 0 rg BT 118.60 536.70 Td (Footnotes ) Tj ET Q q 0 0 0 rg BT 161.10 536.70 Td (in ) Tj ET Q q 0 0 0 rg BT 171.38 536.70 Td (the ) Tj ET Q q 0 0 0 rg BT 186.09 536.70 Td (sections ) Tj ET Q q 0 0 0 rg BT 220.81 536.70 Td (that ) Tj ET Q q 0 0 0 rg BT 238.87 536.70 Td (follow ) Tj ET Q q 0 0 0 rg BT 266.37 536.70 Td (ar) Tj ET Q q 0 0 0 rg BT 274.89 536.70 Td (e ) Tj ET Q q 0 0 0 rg BT 281.83 536.70 Td (described ) Tj ET Q q 0 0 0 rg BT 323.21 536.70 Td (on ) Tj ET Q q 0 0 0 rg BT 335.71 536.70 Td (pages ) Tj ET Q q 0 0 0 rg BT 361.54 536.70 Td (13 ) Tj ET Q q 0 0 0 rg BT 374.04 536.70 Td (and ) Tj ET Q q 0 0 0 rg BT 391.54 536.70 Td (14.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 513.30 Td (CONSUMER & COMMUNITY) Tj ET Q q 0 0 0 rg BT 206.91 513.30 Td ( BANKING \(CCB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 492 m 50.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 492 m 231.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 492 m 231.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 492 m 276.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 492 m 280.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 492 m 280.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 492 m 325.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 492 m 329.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 492 m 329.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 492 m 374.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 492 m 378.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 492 m 378.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 492 m 423.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 477 m 423.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 492 m 468.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 477 m 468.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 492 m 472.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 477 m 472.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 492 m 472.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 492 m 517.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 477 m 517.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 492 m 562.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 492 m 562.5 492 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 477 m 562.5 477 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 477 m 50.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 462 m 231.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 477 m 231.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 462 m 276.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 462 m 280.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 477 m 280.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 462 m 325.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 462 m 329.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 477 m 329.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 462 m 374.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 462 m 378.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 477 m 378.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 462 m 423.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 477 m 423.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 462 m 468.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 462 m 472.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 477 m 472.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 462 m 517.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 477 m 517.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 477 m 562.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 462 m 562.5 462 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 462 m 50.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 447 m 231.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 462 m 231.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 447 m 276.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 447 m 280.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 462 m 280.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 447 m 325.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 447 m 329.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 462 m 329.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 447 m 374.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 447 m 378.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 462 m 378.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 447 m 423.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 462 m 423.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 447 m 468.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 447 m 472.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 462 m 472.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 447 m 517.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 462 m 517.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 462 m 562.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 447 m 562.5 447 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 447 m 50.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 432 m 231.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 447 m 231.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 432 m 276.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 432 m 280.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 447 m 280.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 432 m 325.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 432 m 329.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 447 m 329.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 432 m 374.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 432 m 378.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 447 m 378.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 432 m 423.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 447 m 423.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 432 m 468.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 432 m 472.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 447 m 472.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 432 m 517.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 447 m 517.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 447 m 562.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 432 m 562.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 432 m 50.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 417 m 231.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 432 m 231.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 417 m 276.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 417 m 280.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 432 m 280.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 417 m 325.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 417 m 329.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 432 m 329.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 417 m 374.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 417 m 378.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 432 m 378.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 417 m 423.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 432 m 423.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 417 m 468.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 417 m 472.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 432 m 472.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 417 m 517.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 432 m 517.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 432 m 562.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 417 m 562.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 417 m 50.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 402 m 231.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 417 m 231.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 402 m 276.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 402 m 280.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 417 m 280.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 402 m 325.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 402 m 329.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 417 m 329.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 402 m 374.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 402 m 378.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 417 m 378.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 402 m 423.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 417 m 423.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 402 m 468.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 402 m 472.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 417 m 472.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 402 m 517.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 417 m 517.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 417 m 562.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 402 m 562.5 402 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 481.87 Td (Results for CCB) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 481.87 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 481.87 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 466.87 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 466.87 Td (1Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 466.87 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 466.87 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 466.87 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 466.87 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 466.87 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 466.87 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 451.87 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 451.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 451.87 Td (11,615) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 451.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 291.00 451.87 Td (12,378) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 451.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 340.00 451.87 Td (12,363) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 451.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 451.87 Td (\(763) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 451.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 445.95 451.87 Td (\(6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 451.87 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 451.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 451.87 Td (\(748) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 451.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 451.87 Td (\(6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 451.87 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 436.87 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 436.87 Td (549) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 436.87 Td (1,091) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 436.87 Td (642) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 436.87 Td (\(542) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 436.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 436.87 Td (\(50) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 436.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 498.60 436.87 Td (\(93) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 436.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 436.87 Td (\(14) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 436.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 421.87 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 421.87 Td (6,790) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 421.87 Td (7,966) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 421.87 Td (7,038) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 390.85 421.87 Td (\(1,176) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 421.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 421.87 Td (\(15) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 421.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 421.87 Td (\(248) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 421.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 421.87 Td (\(4) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 421.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 406.87 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 406.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 406.87 Td (2,586) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 406.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 406.87 Td (2,014) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 406.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 406.87 Td (2,936) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 406.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 406.87 Td (572) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 444.15 406.87 Td (28) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 406.87 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 406.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 406.87 Td (\(350) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 406.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 406.87 Td (\(12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 406.87 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 376.10 Td (Results: ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 361.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.33 361.70 Td (income ) Tj ET Q q 0 0 0 rg BT 108.65 361.70 Td (was ) Tj ET Q q 0 0 0 rg BT 130.31 361.70 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 154.31 361.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 191.64 361.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 241.95 361.70 Td (with ) Tj ET Q q 0 0 0 rg BT 266.29 361.70 Td ($2.9billion ) Tj ET Q q 0 0 0 rg BT 324.62 361.70 Td (in ) Tj ET Q q 0 0 0 rg BT 336.96 361.70 Td (the ) Tj ET Q q 0 0 0 rg BT 354.62 361.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 380.94 361.70 Td (year) Tj ET Q q 0 0 0 rg BT 400.93 361.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 335.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.97 335.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.59 335.30 Td (was ) Tj ET Q q 0 0 0 rg BT 131.90 335.30 Td ($1) Tj ET Q q 0 0 0 rg BT 143.45 335.30 Td (1.6 ) Tj ET Q q 0 0 0 rg BT 161.10 335.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 198.08 335.30 Td (a ) Tj ET Q q 0 0 0 rg BT 206.05 335.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 250.00 335.30 Td (of ) Tj ET Q q 0 0 0 rg BT 262.64 335.30 Td ($748 ) Tj ET Q q 0 0 0 rg BT 289.28 335.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 329.60 335.30 Td (or ) Tj ET Q q 0 0 0 rg BT 342.24 335.30 Td (6%, ) Tj ET Q q 0 0 0 rg BT 363.88 335.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 413.83 335.30 Td (with ) Tj ET Q q 0 0 0 rg BT 437.81 335.30 Td (the ) Tj ET Q q 0 0 0 rg BT 455.12 335.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.09 335.30 Td (year) Tj ET Q q 0 0 0 rg BT 501.08 335.30 Td (. ) Tj ET Q q 0 0 0 rg BT 506.72 335.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.70 335.30 Td (interest ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 320.90 Td (income ) Tj ET Q q 0 0 0 rg BT 87.42 320.90 Td (was ) Tj ET Q q 0 0 0 rg BT 108.18 320.90 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 131.28 320.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.71 320.90 Td (down ) Tj ET Q q 0 0 0 rg BT 196.47 320.90 Td ($179 ) Tj ET Q q 0 0 0 rg BT 222.57 320.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 262.34 320.90 Td (or ) Tj ET Q q 0 0 0 rg BT 274.43 320.90 Td (2%, ) Tj ET Q q 0 0 0 rg BT 295.53 320.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 328.28 320.90 Td (by ) Tj ET Q q 0 0 0 rg BT 342.38 320.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 371.80 320.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 408.56 320.90 Td (mar) Tj ET Q q 0 0 0 rg BT 427.00 320.90 Td (gins ) Tj ET Q q 0 0 0 rg BT 449.10 320.90 Td (and ) Tj ET Q q 0 0 0 rg BT 468.52 320.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 497.94 320.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 520.70 320.90 Td (balances ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 306.50 Td (due ) Tj ET Q q 0 0 0 rg BT 71.07 306.50 Td (to ) Tj ET Q q 0 0 0 rg BT 84.15 306.50 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 129.90 306.50 Td (runof) Tj ET Q q 0 0 0 rg BT 155.67 306.50 Td (f, ) Tj ET Q q 0 0 0 rg BT 166.41 306.50 Td (lar) Tj ET Q q 0 0 0 rg BT 178.85 306.50 Td (gely ) Tj ET Q q 0 0 0 rg BT 203.26 306.50 Td (of) Tj ET Q q 0 0 0 rg BT 213.04 306.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 234.11 306.50 Td (by ) Tj ET Q q 0 0 0 rg BT 249.86 306.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 284.26 306.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 322.67 306.50 Td (balances. ) Tj ET Q q 0 0 0 rg BT 370.73 306.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 430.46 306.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 472.19 306.50 Td (was ) Tj ET Q q 0 0 0 rg BT 494.59 306.50 Td ($4.4billion, ) Tj ET Q q 0 0 0 rg BT 556.68 306.50 Td (a ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 94.30 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.29 292.10 Td ($569million, ) Tj ET Q q 0 0 0 rg BT 174.96 292.10 Td (or ) Tj ET Q q 0 0 0 rg BT 187.96 292.10 Td (1) Tj ET Q q 0 0 0 rg BT 193.51 292.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 215.51 292.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 249.17 292.10 Td (by ) Tj ET Q q 0 0 0 rg BT 264.17 292.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 294.49 292.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 342.80 292.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 365.12 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.45 292.10 Td (related ) Tj ET Q q 0 0 0 rg BT 421.09 292.10 Td (income. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 265.70 Td (The ) Tj ET Q q 0 0 0 rg BT 70.24 265.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 117.16 265.70 Td (for ) Tj ET Q q 0 0 0 rg BT 132.73 265.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 161.63 265.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 191.89 265.70 Td (was ) Tj ET Q q 0 0 0 rg BT 212.13 265.70 Td ($549million, ) Tj ET Q q 0 0 0 rg BT 278.39 265.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 327.28 265.70 Td (with ) Tj ET Q q 0 0 0 rg BT 350.19 265.70 Td ($642million ) Tj ET Q q 0 0 0 rg BT 413.45 265.70 Td (in ) Tj ET Q q 0 0 0 rg BT 424.37 265.70 Td (the ) Tj ET Q q 0 0 0 rg BT 440.61 265.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 465.52 265.70 Td (year ) Tj ET Q q 0 0 0 rg BT 487.75 265.70 Td (and ) Tj ET Q q 0 0 0 rg BT 506.66 265.70 Td ($1.1billion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 251.30 Td (in ) Tj ET Q q 0 0 0 rg BT 62.33 251.30 Td (the ) Tj ET Q q 0 0 0 rg BT 79.99 251.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 106.32 251.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 139.64 251.30 Td (.? Tj ET Q q 0 0 0 rg BT 145.42 251.30 Td (The ) Tj ET Q q 0 0 0 rg BT 167.08 251.30 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 242.03 251.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 290.36 251.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 335.33 251.30 Td (a ) Tj ET Q q 0 0 0 rg BT 343.65 251.30 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 367.65 251.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 401.99 251.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 450.31 251.30 Td (in ) Tj ET Q q 0 0 0 rg BT 462.64 251.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 236.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 102.31 236.90 Td (for ) Tj ET Q q 0 0 0 rg BT 119.98 236.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 144.32 236.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 176.66 236.90 Td (and ) Tj ET Q q 0 0 0 rg BT 197.66 236.90 Td (total ) Tj ET Q q 0 0 0 rg BT 222.67 236.90 Td (net ) Tj ET Q q 0 0 0 rg BT 241.00 236.90 Td (char) Tj ET Q q 0 0 0 rg BT 261.43 236.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 286.54 236.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 298.88 236.90 Td (of ) Tj ET Q q 0 0 0 rg BT 312.55 236.90 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 337.22 236.90 Td (billion. ) Tj ET Q q 0 0 0 rg BT 374.97 236.90 Td (The ) Tj ET Q q 0 0 0 rg BT 397.30 236.90 Td (prior) Tj ET Q q 0 0 0 rg BT 420.39 236.90 Td (-quarter ) Tj ET Q q 0 0 0 rg BT 462.04 236.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 511.05 236.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 556.69 236.90 Td (a ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 222.50 Td ($700million ) Tj ET Q q 0 0 0 rg BT 114.67 222.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 162.99 222.50 Td (in ) Tj ET Q q 0 0 0 rg BT 175.32 222.50 Td (the ) Tj ET Q q 0 0 0 rg BT 192.98 222.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 244.62 222.50 Td (for ) Tj ET Q q 0 0 0 rg BT 261.61 222.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 285.27 222.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 316.94 222.50 Td (and ) Tj ET Q q 0 0 0 rg BT 337.27 222.50 Td (total ) Tj ET Q q 0 0 0 rg BT 361.60 222.50 Td (net ) Tj ET Q q 0 0 0 rg BT 379.26 222.50 Td (char) Tj ET Q q 0 0 0 rg BT 399.69 222.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 424.79 222.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 436.46 222.50 Td (of ) Tj ET Q q 0 0 0 rg BT 449.45 222.50 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 473.45 222.50 Td (billion.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.25 196.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.17 196.10 Td (was ) Tj ET Q q 0 0 0 rg BT 170.10 196.10 Td ($6.8billion, ) Tj ET Q q 0 0 0 rg BT 230.70 196.10 Td (a ) Tj ET Q q 0 0 0 rg BT 238.29 196.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 281.85 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.11 196.10 Td ($248million ) Tj ET Q q 0 0 0 rg BT 358.05 196.10 Td (from ) Tj ET Q q 0 0 0 rg BT 383.64 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.57 196.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 426.16 196.10 Td (year) Tj ET Q q 0 0 0 rg BT 446.15 196.10 Td (. ) Tj ET Q q 0 0 0 rg BT 451.25 196.10 Td (The ) Tj ET Q q 0 0 0 rg BT 472.17 196.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 497.77 196.10 Td (year ) Tj ET Q q 0 0 0 rg BT 520.68 196.10 Td (included ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 181.70 Td (approximately ) Tj ET Q q 0 0 0 rg BT 122.08 181.70 Td ($200 ) Tj ET Q q 0 0 0 rg BT 148.85 181.70 Td (million ) Tj ET Q q 0 0 0 rg BT 186.29 181.70 Td (for ) Tj ET Q q 0 0 0 rg BT 203.06 181.70 Td (foreclosure-related ) Tj ET Q q 0 0 0 rg BT 296.44 181.70 Td (matters, ) Tj ET Q q 0 0 0 rg BT 337.53 181.70 Td (including ) Tj ET Q q 0 0 0 rg BT 385.63 181.70 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 445.73 181.70 Td (for ) Tj ET Q q 0 0 0 rg BT 462.49 181.70 Td (the ) Tj ET Q q 0 0 0 rg BT 479.93 181.70 Td (global ) Tj ET Q q 0 0 0 rg BT 512.69 181.70 Td (settlement ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 167.30 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 167.30 Td (federal ) Tj ET Q q 0 0 0 rg BT 110.64 167.30 Td (and ) Tj ET Q q 0 0 0 rg BT 130.96 167.30 Td (state ) Tj ET Q q 0 0 0 rg BT 155.96 167.30 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 203.26 167.30 Td ( ) Tj ET Q q 0 0 0 rg BT 206.26 167.30 Td ( ) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 740.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 740.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 740.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 740.90 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 731.94 Td (\(All comparisons refer to the prior-year quarter except as noted; banking portal ranking is per compete.com, as of February 2013\) ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.51 cm /I12 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 712.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 712.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 712.10 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 712.10 Td (23% ) Tj ET Q q 0 0 0 rg BT 234.31 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 712.10 Td ($46.0billion ) Tj ET Q q 0 0 0 rg BT 313.65 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 712.10 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 712.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 712.10 Td (capital. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 695.11 cm /I13 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 697.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 697.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.73 697.70 Td (total ) Tj ET Q q 0 0 0 rg BT 171.03 697.70 Td (deposits ) Tj ET Q q 0 0 0 rg BT 213.34 697.70 Td (were ) Tj ET Q q 0 0 0 rg BT 239.63 697.70 Td ($441.3billion, ) Tj ET Q q 0 0 0 rg BT 312.95 697.70 Td (up ) Tj ET Q q 0 0 0 rg BT 327.92 697.70 Td (10% ) Tj ET Q q 0 0 0 rg BT 352.89 697.70 Td (from ) Tj ET Q q 0 0 0 rg BT 379.20 697.70 Td (the ) Tj ET Q q 0 0 0 rg BT 396.83 697.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.14 697.70 Td (year ) Tj ET Q q 0 0 0 rg BT 446.76 697.70 Td (and ) Tj ET Q q 0 0 0 rg BT 467.06 697.70 Td (4% ) Tj ET Q q 0 0 0 rg BT 486.04 697.70 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 697.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 683.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 683.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 683.30 Td (. ) Tj ET Q q 0 0 0 rg BT 169.64 683.30 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 209.97 683.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 246.97 683.30 Td (was ) Tj ET Q q 0 0 0 rg BT 268.63 683.30 Td (amongst ) Tj ET Q q 0 0 0 rg BT 312.29 683.30 Td (the ) Tj ET Q q 0 0 0 rg BT 329.96 683.30 Td (best ) Tj ET Q q 0 0 0 rg BT 352.29 683.30 Td (in ) Tj ET Q q 0 0 0 rg BT 364.62 683.30 Td (the ) Tj ET Q q 0 0 0 rg BT 382.28 683.30 Td (industry) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 421.61 688.74 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 425.51 683.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 666.31 cm /I14 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 668.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 154.02 668.90 Td (originations ) Tj ET Q q 0 0 0 rg BT 214.71 668.90 Td (were ) Tj ET Q q 0 0 0 rg BT 241.39 668.90 Td ($52.7 ) Tj ET Q q 0 0 0 rg BT 271.75 668.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 309.45 668.90 Td (up ) Tj ET Q q 0 0 0 rg BT 324.82 668.90 Td (37% ) Tj ET Q q 0 0 0 rg BT 350.18 668.90 Td (from ) Tj ET Q q 0 0 0 rg BT 376.87 668.90 Td (the ) Tj ET Q q 0 0 0 rg BT 394.90 668.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.59 668.90 Td (year ) Tj ET Q q 0 0 0 rg BT 445.60 668.90 Td (and ) Tj ET Q q 0 0 0 rg BT 466.29 668.90 Td (3% ) Tj ET Q q 0 0 0 rg BT 485.65 668.90 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 668.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 654.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 654.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 654.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 637.51 cm /I15 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 640.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 137.82 640.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 164.97 640.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 192.12 640.10 Td (volume) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 228.11 645.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 232.01 640.10 Td ( ) Tj ET Q q 0 0 0 rg BT 235.83 640.10 Td (was ) Tj ET Q q 0 0 0 rg BT 258.32 640.10 Td ($94.7billion, ) Tj ET Q q 0 0 0 rg BT 326.48 640.10 Td (up ) Tj ET Q q 0 0 0 rg BT 342.30 640.10 Td (9% ) Tj ET Q q 0 0 0 rg BT 362.12 640.10 Td (from ) Tj ET Q q 0 0 0 rg BT 389.27 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.75 640.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 434.90 640.10 Td (year ) Tj ET Q q 0 0 0 rg BT 459.37 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.52 640.10 Td (down ) Tj ET Q q 0 0 0 rg BT 511.01 640.10 Td (7% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 625.70 Td (from ) Tj ET Q q 0 0 0 rg BT 129.62 625.70 Td (the ) Tj ET Q q 0 0 0 rg BT 146.57 625.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 172.19 625.70 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 211.80 625.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 237.42 625.70 Td (Services ) Tj ET Q q 0 0 0 rg BT 280.37 625.70 Td (general ) Tj ET Q q 0 0 0 rg BT 317.97 625.70 Td (purpose ) Tj ET Q q 0 0 0 rg BT 358.26 625.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 387.87 625.70 Td (card ) Tj ET Q q 0 0 0 rg BT 410.81 625.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 436.43 625.70 Td (volume ) Tj ET Q q 0 0 0 rg BT 474.72 625.70 Td (growth ) Tj ET Q q 0 0 0 rg BT 511.01 625.70 Td (has ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 611.30 Td (outperformed ) Tj ET Q q 0 0 0 rg BT 172.31 611.30 Td (the ) Tj ET Q q 0 0 0 rg BT 189.97 611.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 232.30 611.30 Td (since ) Tj ET Q q 0 0 0 rg BT 259.96 611.30 Td (the ) Tj ET Q q 0 0 0 rg BT 277.62 611.30 Td (first ) Tj ET Q q 0 0 0 rg BT 299.95 611.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 336.93 611.30 Td (of ) Tj ET Q q 0 0 0 rg BT 349.92 611.30 Td (2008) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 373.92 616.74 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 377.82 611.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 594.31 cm /I16 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 596.90 Td (Auto ) Tj ET Q q 0 0 0 rg BT 131.10 596.90 Td (originations ) Tj ET Q q 0 0 0 rg BT 191.52 596.90 Td (were ) Tj ET Q q 0 0 0 rg BT 217.93 596.90 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 242.02 596.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 279.45 596.90 Td (up ) Tj ET Q q 0 0 0 rg BT 294.55 596.90 Td (12% ) Tj ET Q q 0 0 0 rg BT 319.64 596.90 Td (from ) Tj ET Q q 0 0 0 rg BT 346.06 596.90 Td (the ) Tj ET Q q 0 0 0 rg BT 363.82 596.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 390.24 596.90 Td (year ) Tj ET Q q 0 0 0 rg BT 413.98 596.90 Td (and ) Tj ET Q q 0 0 0 rg BT 434.40 596.90 Td (18% ) Tj ET Q q 0 0 0 rg BT 459.50 596.90 Td (from ) Tj ET Q q 0 0 0 rg BT 485.92 596.90 Td (the ) Tj ET Q q 0 0 0 rg BT 503.67 596.90 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 582.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 582.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 565.51 cm /I17 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 568.10 Td (Client ) Tj ET Q q 0 0 0 rg BT 136.89 568.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 193.10 568.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 224.65 568.10 Td (were ) Tj ET Q q 0 0 0 rg BT 251.52 568.10 Td ($168.5 ) Tj ET Q q 0 0 0 rg BT 288.08 568.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 325.97 568.10 Td (up ) Tj ET Q q 0 0 0 rg BT 341.52 568.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 367.07 568.10 Td (from ) Tj ET Q q 0 0 0 rg BT 393.96 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.17 568.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.05 568.10 Td (year ) Tj ET Q q 0 0 0 rg BT 463.26 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.14 568.10 Td (6% ) Tj ET Q q 0 0 0 rg BT 503.69 568.10 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 553.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 553.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 553.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 553.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 536.71 cm /I18 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 539.30 Td (Number ) Tj ET Q q 0 0 0 rg BT 146.79 539.30 Td (of ) Tj ET Q q 0 0 0 rg BT 160.26 539.30 Td (active ) Tj ET Q q 0 0 0 rg BT 192.37 539.30 Td (mobile ) Tj ET Q q 0 0 0 rg BT 229.17 539.30 Td (customers ) Tj ET Q q 0 0 0 rg BT 281.29 539.30 Td (was ) Tj ET Q q 0 0 0 rg BT 303.42 539.30 Td (13.3 ) Tj ET Q q 0 0 0 rg BT 327.89 539.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 369.03 539.30 Td (up ) Tj ET Q q 0 0 0 rg BT 384.50 539.30 Td (32% ) Tj ET Q q 0 0 0 rg BT 409.96 539.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 460.74 539.30 Td (with ) Tj ET Q q 0 0 0 rg BT 485.54 539.30 Td (the ) Tj ET Q q 0 0 0 rg BT 503.67 539.30 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 524.90 Td (year ) Tj ET Q q 0 0 0 rg BT 127.65 524.90 Td (and ) Tj ET Q q 0 0 0 rg BT 147.97 524.90 Td (7% ) Tj ET Q q 0 0 0 rg BT 166.97 524.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 217.28 524.90 Td (with ) Tj ET Q q 0 0 0 rg BT 241.61 524.90 Td (the ) Tj ET Q q 0 0 0 rg BT 259.27 524.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 285.60 524.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 318.92 524.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 507.91 cm /I19 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 510.50 Td (Number ) Tj ET Q q 0 0 0 rg BT 145.73 510.50 Td (of ) Tj ET Q q 0 0 0 rg BT 158.14 510.50 Td (active ) Tj ET Q q 0 0 0 rg BT 189.20 510.50 Td (online ) Tj ET Q q 0 0 0 rg BT 221.61 510.50 Td (customers ) Tj ET Q q 0 0 0 rg BT 272.68 510.50 Td (was ) Tj ET Q q 0 0 0 rg BT 293.75 510.50 Td (32.3 ) Tj ET Q q 0 0 0 rg BT 317.17 510.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 357.25 510.50 Td (up ) Tj ET Q q 0 0 0 rg BT 371.66 510.50 Td (5% ) Tj ET Q q 0 0 0 rg BT 390.07 510.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 439.79 510.50 Td (with ) Tj ET Q q 0 0 0 rg BT 463.54 510.50 Td (the ) Tj ET Q q 0 0 0 rg BT 480.61 510.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 506.35 510.50 Td (year ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.91 496.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 142.48 496.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 192.37 496.10 Td (with ) Tj ET Q q 0 0 0 rg BT 216.28 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 233.52 496.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 259.43 496.10 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 299.32 496.10 Td (Chase.com ) Tj ET Q q 0 0 0 rg BT 354.89 496.10 Td (is ) Tj ET Q q 0 0 0 rg BT 365.47 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.71 496.10 Td (#1 ) Tj ET Q q 0 0 0 rg BT 397.29 496.10 Td (most ) Tj ET Q q 0 0 0 rg BT 423.21 496.10 Td (visited ) Tj ET Q q 0 0 0 rg BT 457.78 496.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 499.02 496.10 Td (portal ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 481.70 Td (in ) Tj ET Q q 0 0 0 rg BT 116.33 481.70 Td (the ) Tj ET Q q 0 0 0 rg BT 133.99 481.70 Td (U.S. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 464.71 cm /I20 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 467.30 Td (W) Tj ET Q q 0 0 0 rg BT 114.85 467.30 Td (inner ) Tj ET Q q 0 0 0 rg BT 141.64 467.30 Td (of ) Tj ET Q q 0 0 0 rg BT 153.78 467.30 Td (four ) Tj ET Q q 0 0 0 rg BT 175.76 467.30 Td (TNS ) Tj ET Q q 0 0 0 rg BT 200.57 467.30 Td (Choice ) Tj ET Q q 0 0 0 rg BT 236.22 467.30 Td (A) Tj ET Q q 0 0 0 rg BT 243.79 467.30 Td (wards ) Tj ET Q q 0 0 0 rg BT 274.59 467.30 Td (for ) Tj ET Q q 0 0 0 rg BT 290.72 467.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 319.86 467.30 Td (more ) Tj ET Q q 0 0 0 rg BT 346.66 467.30 Td (than ) Tj ET Q q 0 0 0 rg BT 369.46 467.30 Td (any ) Tj ET Q q 0 0 0 rg BT 388.92 467.30 Td (previous ) Tj ET Q q 0 0 0 rg BT 432.39 467.30 Td (winner) Tj ET Q q 0 0 0 rg BT 465.23 467.30 Td (, ) Tj ET Q q 0 0 0 rg BT 470.37 467.30 Td (recognizing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 452.90 Td (superior ) Tj ET Q q 0 0 0 rg BT 147.52 452.90 Td (performance ) Tj ET Q q 0 0 0 rg BT 212.35 452.90 Td (in ) Tj ET Q q 0 0 0 rg BT 225.89 452.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 274.07 452.90 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 333.93 452.90 Td (retention, ) Tj ET Q q 0 0 0 rg BT 383.79 452.90 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 442.64 452.90 Td (and ) Tj ET Q q 0 0 0 rg BT 464.16 452.90 Td (market ) Tj ET Q q 0 0 0 rg BT 501.68 452.90 Td (share ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 438.50 Td (with ) Tj ET Q q 0 0 0 rg BT 128.33 438.50 Td (consumer ) Tj ET Q q 0 0 0 rg BT 177.99 438.50 Td (and ) Tj ET Q q 0 0 0 rg BT 198.31 438.50 Td (af) Tj ET Q q 0 0 0 rg BT 207.42 438.50 Td (fluent ) Tj ET Q q 0 0 0 rg BT 238.41 438.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 280.07 438.50 Td (customers.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 421.51 cm /I21 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 424.10 Td (Number ) Tj ET Q q 0 0 0 rg BT 147.10 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.88 424.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 207.31 424.10 Td (was ) Tj ET Q q 0 0 0 rg BT 229.75 424.10 Td (5,632, ) Tj ET Q q 0 0 0 rg BT 263.53 424.10 Td (an ) Tj ET Q q 0 0 0 rg BT 278.64 424.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 321.72 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.50 424.10 Td (91 ) Tj ET Q q 0 0 0 rg BT 351.28 424.10 Td (from ) Tj ET Q q 0 0 0 rg BT 378.39 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.83 424.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.93 424.10 Td (year ) Tj ET Q q 0 0 0 rg BT 448.36 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.47 424.10 Td (18 ) Tj ET Q q 0 0 0 rg BT 485.25 424.10 Td (from ) Tj ET Q q 0 0 0 rg BT 512.36 424.10 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 409.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 409.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 409.70 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 380.90 Td (Consumer) Tj ET Q q 0 0 0 rg BT 103.12 380.90 Td ( ) Tj ET Q q 0 0 0 rg BT 105.03 380.90 Td (& ) Tj ET Q q 0 0 0 rg BT 116.94 380.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 162.87 380.90 Td (Banking) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 206.23 380.90 Td ( ) Tj ET Q q 0 0 0 rg BT 208.14 380.90 Td (net ) Tj ET Q q 0 0 0 rg BT 224.72 380.90 Td (income ) Tj ET Q q 0 0 0 rg BT 261.95 380.90 Td (was ) Tj ET Q q 0 0 0 rg BT 282.53 380.90 Td ($641 ) Tj ET Q q 0 0 0 rg BT 308.44 380.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 348.02 380.90 Td (a ) Tj ET Q q 0 0 0 rg BT 355.26 380.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 398.47 380.90 Td (of ) Tj ET Q q 0 0 0 rg BT 410.38 380.90 Td ($133 ) Tj ET Q q 0 0 0 rg BT 436.29 380.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 475.88 380.90 Td (or ) Tj ET Q q 0 0 0 rg BT 487.79 380.90 Td (17%, ) Tj ET Q q 0 0 0 rg BT 514.70 380.90 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 366.50 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 366.50 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 366.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 366.50 Td (year) Tj ET Q q 0 0 0 rg BT 138.31 366.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.17 346.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.98 346.10 Td (was ) Tj ET Q q 0 0 0 rg BT 132.49 346.10 Td ($4.2 ) Tj ET Q q 0 0 0 rg BT 156.33 346.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.51 346.10 Td (down ) Tj ET Q q 0 0 0 rg BT 223.02 346.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 241.85 346.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 292.00 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 316.18 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.68 346.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 359.85 346.10 Td (year) Tj ET Q q 0 0 0 rg BT 379.84 346.10 Td (. ) Tj ET Q q 0 0 0 rg BT 385.68 346.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 405.85 346.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 444.01 346.10 Td (income ) Tj ET Q q 0 0 0 rg BT 482.17 346.10 Td (was ) Tj ET Q q 0 0 0 rg BT 503.67 346.10 Td ($2.6billion, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 331.70 Td (down ) Tj ET Q q 0 0 0 rg BT 79.22 331.70 Td (4% ) Tj ET Q q 0 0 0 rg BT 97.77 331.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 147.63 331.70 Td (with ) Tj ET Q q 0 0 0 rg BT 171.52 331.70 Td (the ) Tj ET Q q 0 0 0 rg BT 188.73 331.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 214.61 331.70 Td (year) Tj ET Q q 0 0 0 rg BT 234.78 331.70 Td (, ) Tj ET Q q 0 0 0 rg BT 240.33 331.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 273.54 331.70 Td (by ) Tj ET Q q 0 0 0 rg BT 288.09 331.70 Td (the ) Tj ET Q q 0 0 0 rg BT 305.31 331.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 340.52 331.70 Td (of ) Tj ET Q q 0 0 0 rg BT 353.06 331.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 382.94 331.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 420.16 331.70 Td (mar) Tj ET Q q 0 0 0 rg BT 438.60 331.70 Td (gins ) Tj ET Q q 0 0 0 rg BT 461.15 331.70 Td (and ) Tj ET Q q 0 0 0 rg BT 481.03 331.70 Td (fewer ) Tj ET Q q 0 0 0 rg BT 510.90 331.70 Td (days ) Tj ET Q q 0 0 0 rg BT 535.45 331.70 Td (in ) Tj ET Q q 0 0 0 rg BT 547.33 331.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 317.30 Td (period, ) Tj ET Q q 0 0 0 rg BT 87.65 317.30 Td (lar) Tj ET Q q 0 0 0 rg BT 100.09 317.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 124.75 317.30 Td (of) Tj ET Q q 0 0 0 rg BT 134.52 317.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 155.85 317.30 Td (by ) Tj ET Q q 0 0 0 rg BT 171.84 317.30 Td (the ) Tj ET Q q 0 0 0 rg BT 190.49 317.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 227.14 317.30 Td (of ) Tj ET Q q 0 0 0 rg BT 241.13 317.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 275.79 317.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 314.44 317.30 Td (balances. ) Tj ET Q q 0 0 0 rg BT 362.75 317.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 422.73 317.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 464.70 317.30 Td (was ) Tj ET Q q 0 0 0 rg BT 487.35 317.30 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 512.35 317.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 550.68 317.30 Td (an ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 302.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 92.68 302.90 Td (of ) Tj ET Q q 0 0 0 rg BT 106.05 302.90 Td (1%, ) Tj ET Q q 0 0 0 rg BT 128.42 302.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 162.45 302.90 Td (by ) Tj ET Q q 0 0 0 rg BT 177.82 302.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 211.85 302.90 Td (debit ) Tj ET Q q 0 0 0 rg BT 239.22 302.90 Td (card ) Tj ET Q q 0 0 0 rg BT 263.24 302.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 304.59 302.90 Td (and ) Tj ET Q q 0 0 0 rg BT 325.29 302.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 381.32 302.90 Td (sales ) Tj ET Q q 0 0 0 rg BT 408.02 302.90 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 452.37 302.90 Td (lar) Tj ET Q q 0 0 0 rg BT 464.81 302.90 Td (gely ) Tj ET Q q 0 0 0 rg BT 488.84 302.90 Td (of) Tj ET Q q 0 0 0 rg BT 498.62 302.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 519.32 302.90 Td (by ) Tj ET Q q 0 0 0 rg BT 534.69 302.90 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 288.50 Td (deposit-related ) Tj ET Q q 0 0 0 rg BT 124.30 288.50 Td (fees.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.35 268.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.37 268.10 Td (for ) Tj ET Q q 0 0 0 rg BT 136.05 268.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.06 268.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.42 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.43 268.10 Td (net ) Tj ET Q q 0 0 0 rg BT 234.78 268.10 Td (char) Tj ET Q q 0 0 0 rg BT 255.21 268.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 280.31 268.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 291.67 268.10 Td (were ) Tj ET Q q 0 0 0 rg BT 317.67 268.10 Td (both ) Tj ET Q q 0 0 0 rg BT 341.70 268.10 Td ($61 ) Tj ET Q q 0 0 0 rg BT 362.39 268.10 Td (million ) Tj ET Q q 0 0 0 rg BT 399.75 268.10 Td (\(1.32% ) Tj ET Q q 0 0 0 rg BT 437.43 268.10 Td (net ) Tj ET Q q 0 0 0 rg BT 454.78 268.10 Td (char) Tj ET Q q 0 0 0 rg BT 475.21 268.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 500.31 268.10 Td (f ) Tj ET Q q 0 0 0 rg BT 507.00 268.10 Td (rate\). ) Tj ET Q q 0 0 0 rg BT 534.66 268.10 Td (In ) Tj ET Q q 0 0 0 rg BT 547.35 268.10 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 253.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.65 253.70 Td (year) Tj ET Q q 0 0 0 rg BT 96.82 253.70 Td (, ) Tj ET Q q 0 0 0 rg BT 103.14 253.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.13 253.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 169.78 253.70 Td (for ) Tj ET Q q 0 0 0 rg BT 187.10 253.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 217.74 253.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 249.73 253.70 Td (and ) Tj ET Q q 0 0 0 rg BT 270.38 253.70 Td (net ) Tj ET Q q 0 0 0 rg BT 288.37 253.70 Td (char) Tj ET Q q 0 0 0 rg BT 308.80 253.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 333.90 253.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 345.89 253.70 Td (were ) Tj ET Q q 0 0 0 rg BT 372.53 253.70 Td (both ) Tj ET Q q 0 0 0 rg BT 397.19 253.70 Td ($96million ) Tj ET Q q 0 0 0 rg BT 456.18 253.70 Td (\(2.19% ) Tj ET Q q 0 0 0 rg BT 494.50 253.70 Td (net ) Tj ET Q q 0 0 0 rg BT 512.48 253.70 Td (char) Tj ET Q q 0 0 0 rg BT 532.91 253.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 558.01 253.70 Td (f ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 239.30 Td (rate\). ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 218.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.51 218.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.69 218.90 Td (was ) Tj ET Q q 0 0 0 rg BT 170.88 218.90 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 194.41 218.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 231.27 218.90 Td (up ) Tj ET Q q 0 0 0 rg BT 245.80 218.90 Td (6% ) Tj ET Q q 0 0 0 rg BT 264.33 218.90 Td (from ) Tj ET Q q 0 0 0 rg BT 290.18 218.90 Td (the ) Tj ET Q q 0 0 0 rg BT 307.37 218.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 333.22 218.90 Td (year) Tj ET Q q 0 0 0 rg BT 353.39 218.90 Td (, ) Tj ET Q q 0 0 0 rg BT 358.92 218.90 Td (primarily ) Tj ET Q q 0 0 0 rg BT 406.10 218.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 439.29 218.90 Td (by ) Tj ET Q q 0 0 0 rg BT 453.82 218.90 Td (investments, ) Tj ET Q q 0 0 0 rg BT 516.67 218.90 Td (including ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 204.50 Td (new ) Tj ET Q q 0 0 0 rg BT 72.99 204.50 Td (branch ) Tj ET Q q 0 0 0 rg BT 108.64 204.50 Td (builds, ) Tj ET Q q 0 0 0 rg BT 143.98 204.50 Td (and ) Tj ET Q q 0 0 0 rg BT 164.30 204.50 Td (a ) Tj ET Q q 0 0 0 rg BT 172.63 204.50 Td (one-time ) Tj ET Q q 0 0 0 rg BT 218.28 204.50 Td (cost ) Tj ET Q q 0 0 0 rg BT 240.61 204.50 Td (related ) Tj ET Q q 0 0 0 rg BT 276.25 204.50 Td (to ) Tj ET Q q 0 0 0 rg BT 288.59 204.50 Td (a ) Tj ET Q q 0 0 0 rg BT 296.91 204.50 Td (contract ) Tj ET Q q 0 0 0 rg BT 338.56 204.50 Td (renegotiation. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 178.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 178.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 178.10 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 169.14 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 146.71 cm /I22 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 149.30 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 149.30 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 149.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 149.30 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 149.30 Td (24% ) Tj ET Q q 0 0 0 rg BT 234.31 149.30 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 149.30 Td ($1) Tj ET Q q 0 0 0 rg BT 260.87 149.30 Td (1.0billion ) Tj ET Q q 0 0 0 rg BT 313.20 149.30 Td (of ) Tj ET Q q 0 0 0 rg BT 326.20 149.30 Td (average ) Tj ET Q q 0 0 0 rg BT 366.50 149.30 Td (allocated ) Tj ET Q q 0 0 0 rg BT 412.81 149.30 Td (capital. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 132.31 cm /I23 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 134.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 134.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.76 134.90 Td (total ) Tj ET Q q 0 0 0 rg BT 171.10 134.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 213.44 134.90 Td (were ) Tj ET Q q 0 0 0 rg BT 239.76 134.90 Td ($421.1billion, ) Tj ET Q q 0 0 0 rg BT 313.11 134.90 Td (up ) Tj ET Q q 0 0 0 rg BT 328.12 134.90 Td (1) Tj ET Q q 0 0 0 rg BT 333.67 134.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 352.67 134.90 Td (from ) Tj ET Q q 0 0 0 rg BT 379.01 134.90 Td (the ) Tj ET Q q 0 0 0 rg BT 396.68 134.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.01 134.90 Td (year ) Tj ET Q q 0 0 0 rg BT 446.67 134.90 Td (and ) Tj ET Q q 0 0 0 rg BT 467.01 134.90 Td (4% ) Tj ET Q q 0 0 0 rg BT 486.01 134.90 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 134.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 120.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 120.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 120.50 Td (. ) Tj ET Q q 0 0 0 rg BT 169.64 120.50 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 209.97 120.50 Td (growth ) Tj ET Q q 0 0 0 rg BT 246.97 120.50 Td (was ) Tj ET Q q 0 0 0 rg BT 268.63 120.50 Td (amongst ) Tj ET Q q 0 0 0 rg BT 312.29 120.50 Td (the ) Tj ET Q q 0 0 0 rg BT 329.96 120.50 Td (best ) Tj ET Q q 0 0 0 rg BT 352.29 120.50 Td (in ) Tj ET Q q 0 0 0 rg BT 364.62 120.50 Td (the ) Tj ET Q q 0 0 0 rg BT 382.28 120.50 Td (industry) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 421.61 125.94 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 425.51 120.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 103.51 cm /I24 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 106.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 143.73 106.10 Td (mar) Tj ET Q q 0 0 0 rg BT 162.17 106.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 179.90 106.10 Td (was ) Tj ET Q q 0 0 0 rg BT 200.96 106.10 Td (2.36%, ) Tj ET Q q 0 0 0 rg BT 237.36 106.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 287.07 106.10 Td (with ) Tj ET Q q 0 0 0 rg BT 310.80 106.10 Td (2.68% ) Tj ET Q q 0 0 0 rg BT 344.20 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 355.93 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.99 106.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 398.71 106.10 Td (year ) Tj ET Q q 0 0 0 rg BT 421.76 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.49 106.10 Td (2.44% ) Tj ET Q q 0 0 0 rg BT 474.88 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 486.62 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 106.10 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 91.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 91.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 74.71 cm /I25 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 77.30 Td (Accounts) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 149.32 82.74 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 153.22 77.30 Td ( ) Tj ET Q q 0 0 0 rg BT 155.98 77.30 Td (totaled ) Tj ET Q q 0 0 0 rg BT 191.38 77.30 Td (28.5million, ) Tj ET Q q 0 0 0 rg BT 255.81 77.30 Td (up ) Tj ET Q q 0 0 0 rg BT 270.56 77.30 Td (6% ) Tj ET Q q 0 0 0 rg BT 289.31 77.30 Td (from ) Tj ET Q q 0 0 0 rg BT 315.39 77.30 Td (the ) Tj ET Q q 0 0 0 rg BT 332.81 77.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 358.89 77.30 Td (year ) Tj ET Q q 0 0 0 rg BT 382.29 77.30 Td (and ) Tj ET Q q 0 0 0 rg BT 402.37 77.30 Td (2% ) Tj ET Q q 0 0 0 rg BT 421.12 77.30 Td (from ) Tj ET Q q 0 0 0 rg BT 447.20 77.30 Td (the ) Tj ET Q q 0 0 0 rg BT 464.61 77.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.69 77.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 524.01 77.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 60.31 cm /I26 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 62.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 62.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.11 62.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 193.14 62.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 237.16 62.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 265.85 62.90 Td (were ) Tj ET Q q 0 0 0 rg BT 292.53 62.90 Td ($18.7billion, ) Tj ET Q q 0 0 0 rg BT 360.22 62.90 Td (up ) Tj ET Q q 0 0 0 rg BT 375.58 62.90 Td (6% ) Tj ET Q q 0 0 0 rg BT 394.94 62.90 Td (from ) Tj ET Q q 0 0 0 rg BT 421.62 62.90 Td (the ) Tj ET Q q 0 0 0 rg BT 439.64 62.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.32 62.90 Td (year ) Tj ET Q q 0 0 0 rg BT 490.33 62.90 Td (and ) Tj ET Q q 0 0 0 rg BT 511.02 62.90 Td (1% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 48.50 Td (from ) Tj ET Q q 0 0 0 rg BT 130.22 48.50 Td (the ) Tj ET Q q 0 0 0 rg BT 147.77 48.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 173.98 48.50 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 214.19 48.50 Td (originations ) Tj ET Q q 0 0 0 rg BT 274.40 48.50 Td (were ) Tj ET Q q 0 0 0 rg BT 300.61 48.50 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 324.50 48.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 361.72 48.50 Td (down ) Tj ET Q q 0 0 0 rg BT 391.28 48.50 Td (20% ) Tj ET Q q 0 0 0 rg BT 416.17 48.50 Td (from ) Tj ET Q q 0 0 0 rg BT 442.38 48.50 Td (the ) Tj ET Q q 0 0 0 rg BT 459.93 48.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.15 48.50 Td (year ) Tj ET Q q 0 0 0 rg BT 509.69 48.50 Td (and ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (19% ) Tj ET Q q 0 0 0 rg BT 129.00 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 155.32 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 172.98 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 199.31 740.70 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 239.62 740.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 271.95 740.70 Td (continues ) Tj ET Q q 0 0 0 rg BT 320.94 740.70 Td (to ) Tj ET Q q 0 0 0 rg BT 333.27 740.70 Td (be ) Tj ET Q q 0 0 0 rg BT 347.60 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 365.26 740.70 Td (#1 ) Tj ET Q q 0 0 0 rg BT 380.26 740.70 Td (SBA) Tj ET Q q 0 0 0 rg BT 402.94 740.70 Td ( ) Tj ET Q q 0 0 0 rg BT 405.94 740.70 Td (lender) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 435.92 746.14 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 439.82 740.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 723.71 cm /I27 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (Branch ) Tj ET Q q 0 0 0 rg BT 141.31 726.30 Td (sales ) Tj ET Q q 0 0 0 rg BT 167.28 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 179.93 726.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 235.24 726.30 Td (products ) Tj ET Q q 0 0 0 rg BT 279.22 726.30 Td (were ) Tj ET Q q 0 0 0 rg BT 305.19 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 319.84 726.30 Td (40% ) Tj ET Q q 0 0 0 rg BT 344.49 726.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 394.45 726.30 Td (with ) Tj ET Q q 0 0 0 rg BT 418.44 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 435.75 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 461.73 726.30 Td (year ) Tj ET Q q 0 0 0 rg BT 485.03 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 505.01 726.30 Td (32% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 711.90 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 711.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 255.95 711.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 694.91 cm /I28 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 697.50 Td (Client ) Tj ET Q q 0 0 0 rg BT 136.89 697.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 193.10 697.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 224.65 697.50 Td (were ) Tj ET Q q 0 0 0 rg BT 251.52 697.50 Td ($168.5 ) Tj ET Q q 0 0 0 rg BT 288.08 697.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 325.97 697.50 Td (up ) Tj ET Q q 0 0 0 rg BT 341.52 697.50 Td (15% ) Tj ET Q q 0 0 0 rg BT 367.07 697.50 Td (from ) Tj ET Q q 0 0 0 rg BT 393.96 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 412.17 697.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.05 697.50 Td (year ) Tj ET Q q 0 0 0 rg BT 463.26 697.50 Td (and ) Tj ET Q q 0 0 0 rg BT 484.14 697.50 Td (6% ) Tj ET Q q 0 0 0 rg BT 503.69 697.50 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 683.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 683.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 683.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 666.11 cm /I29 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 668.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 136.62 668.70 Td (Private ) Tj ET Q q 0 0 0 rg BT 173.90 668.70 Td (Client ) Tj ET Q q 0 0 0 rg BT 206.52 668.70 Td (branch ) Tj ET Q q 0 0 0 rg BT 242.46 668.70 Td (locations ) Tj ET Q q 0 0 0 rg BT 289.08 668.70 Td (totaled ) Tj ET Q q 0 0 0 rg BT 325.02 668.70 Td (1,392, ) Tj ET Q q 0 0 0 rg BT 358.32 668.70 Td (an ) Tj ET Q q 0 0 0 rg BT 372.93 668.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 415.53 668.70 Td (of ) Tj ET Q q 0 0 0 rg BT 428.82 668.70 Td (1,026 ) Tj ET Q q 0 0 0 rg BT 459.11 668.70 Td (from ) Tj ET Q q 0 0 0 rg BT 485.73 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 668.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 654.30 Td (year ) Tj ET Q q 0 0 0 rg BT 127.65 654.30 Td (and ) Tj ET Q q 0 0 0 rg BT 147.97 654.30 Td (174 ) Tj ET Q q 0 0 0 rg BT 168.97 654.30 Td (from ) Tj ET Q q 0 0 0 rg BT 195.30 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 212.96 654.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 239.29 654.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 272.60 654.30 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 627.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 102.67 627.90 Td (Banking ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 148.72 627.90 Td (net ) Tj ET Q q 0 0 0 rg BT 166.08 627.90 Td (income ) Tj ET Q q 0 0 0 rg BT 204.09 627.90 Td (was ) Tj ET Q q 0 0 0 rg BT 225.45 627.90 Td ($673 ) Tj ET Q q 0 0 0 rg BT 252.14 627.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 292.50 627.90 Td (a ) Tj ET Q q 0 0 0 rg BT 300.52 627.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 344.51 627.90 Td (of ) Tj ET Q q 0 0 0 rg BT 357.20 627.90 Td ($306 ) Tj ET Q q 0 0 0 rg BT 383.90 627.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 424.26 627.90 Td (or ) Tj ET Q q 0 0 0 rg BT 436.95 627.90 Td (31%, ) Tj ET Q q 0 0 0 rg BT 464.64 627.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 514.64 627.90 Td (with ) Tj ET Q q 0 0 0 rg BT 538.67 627.90 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 613.50 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 613.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 587.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.26 587.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.16 587.10 Td (was ) Tj ET Q q 0 0 0 rg BT 132.76 587.10 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 156.69 587.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.95 587.10 Td (a ) Tj ET Q q 0 0 0 rg BT 202.21 587.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.44 587.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.37 587.10 Td ($671 ) Tj ET Q q 0 0 0 rg BT 286.30 587.10 Td (million ) Tj ET Q q 0 0 0 rg BT 323.90 587.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.14 587.10 Td (with ) Tj ET Q q 0 0 0 rg BT 398.40 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.00 587.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.25 587.10 Td (year) Tj ET Q q 0 0 0 rg BT 462.24 587.10 Td (. ) Tj ET Q q 0 0 0 rg BT 468.17 587.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.43 587.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.68 587.10 Td (income ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 572.70 Td (was ) Tj ET Q q 0 0 0 rg BT 70.94 572.70 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 94.22 572.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 130.84 572.70 Td (a ) Tj ET Q q 0 0 0 rg BT 138.44 572.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 182.02 572.70 Td (of ) Tj ET Q q 0 0 0 rg BT 194.29 572.70 Td ($75 ) Tj ET Q q 0 0 0 rg BT 214.57 572.70 Td (million. ) Tj ET Q q 0 0 0 rg BT 254.52 572.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 312.79 572.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 353.04 572.70 Td (was ) Tj ET Q q 0 0 0 rg BT 373.98 572.70 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 397.26 572.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 433.88 572.70 Td (a ) Tj ET Q q 0 0 0 rg BT 441.48 572.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 485.06 572.70 Td (of ) Tj ET Q q 0 0 0 rg BT 497.33 572.70 Td ($596million, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 558.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 83.66 558.30 Td (by ) Tj ET Q q 0 0 0 rg BT 98.66 558.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 128.98 558.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 177.29 558.30 Td (fees ) Tj ET Q q 0 0 0 rg BT 199.61 558.30 Td (and ) Tj ET Q q 0 0 0 rg BT 219.94 558.30 Td (related ) Tj ET Q q 0 0 0 rg BT 255.58 558.30 Td (income.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 531.90 Td (The ) Tj ET Q q 0 0 0 rg BT 72.00 531.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.68 531.90 Td (for ) Tj ET Q q 0 0 0 rg BT 138.02 531.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.68 531.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.70 531.90 Td (was ) Tj ET Q q 0 0 0 rg BT 222.71 531.90 Td (a ) Tj ET Q q 0 0 0 rg BT 231.38 531.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 268.04 531.90 Td (of ) Tj ET Q q 0 0 0 rg BT 281.38 531.90 Td ($198 ) Tj ET Q q 0 0 0 rg BT 308.73 531.90 Td (million) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 343.40 537.34 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 347.30 531.90 Td (, ) Tj ET Q q 0 0 0 rg BT 353.64 531.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 404.30 531.90 Td (with ) Tj ET Q q 0 0 0 rg BT 428.98 531.90 Td (a ) Tj ET Q q 0 0 0 rg BT 437.65 531.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 474.31 531.90 Td (of ) Tj ET Q q 0 0 0 rg BT 487.65 531.90 Td ($192million ) Tj ET Q q 0 0 0 rg BT 552.67 531.90 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 517.50 Td (the ) Tj ET Q q 0 0 0 rg BT 67.66 517.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 93.99 517.50 Td (year) Tj ET Q q 0 0 0 rg BT 113.97 517.50 Td (. ) Tj ET Q q 0 0 0 rg BT 119.76 517.50 Td (The ) Tj ET Q q 0 0 0 rg BT 141.41 517.50 Td (current ) Tj ET Q q 0 0 0 rg BT 178.39 517.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 215.37 517.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 260.33 517.50 Td (a ) Tj ET Q q 0 0 0 rg BT 268.66 517.50 Td ($650 ) Tj ET Q q 0 0 0 rg BT 295.66 517.50 Td (million ) Tj ET Q q 0 0 0 rg BT 333.33 517.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 381.65 517.50 Td (in ) Tj ET Q q 0 0 0 rg BT 393.98 517.50 Td (the ) Tj ET Q q 0 0 0 rg BT 411.64 517.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 463.28 517.50 Td (for ) Tj ET Q q 0 0 0 rg BT 480.27 517.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 503.93 517.50 Td (losses.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 491.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.67 491.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.00 491.10 Td (was ) Tj ET Q q 0 0 0 rg BT 171.35 491.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 195.04 491.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.06 491.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.07 491.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 284.05 491.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.73 491.10 Td ($337 ) Tj ET Q q 0 0 0 rg BT 323.42 491.10 Td (million ) Tj ET Q q 0 0 0 rg BT 360.77 491.10 Td (from ) Tj ET Q q 0 0 0 rg BT 386.78 491.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.13 491.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 430.14 491.10 Td (year) Tj ET Q q 0 0 0 rg BT 450.31 491.10 Td (, ) Tj ET Q q 0 0 0 rg BT 455.99 491.10 Td (due ) Tj ET Q q 0 0 0 rg BT 476.00 491.10 Td (to ) Tj ET Q q 0 0 0 rg BT 488.02 491.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 518.03 491.10 Td (servicing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 476.70 Td (expense. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 462.30 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 447.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 102.32 447.90 Td (Production) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 157.66 447.90 Td ( ) Tj ET Q q 0 0 0 rg BT 161.98 447.90 Td (pretax ) Tj ET Q q 0 0 0 rg BT 196.27 447.90 Td (income ) Tj ET Q q 0 0 0 rg BT 235.91 447.90 Td (was ) Tj ET Q q 0 0 0 rg BT 258.89 447.90 Td ($427million, ) Tj ET Q q 0 0 0 rg BT 327.88 447.90 Td (a ) Tj ET Q q 0 0 0 rg BT 337.52 447.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 383.13 447.90 Td (of ) Tj ET Q q 0 0 0 rg BT 397.45 447.90 Td ($317 ) Tj ET Q q 0 0 0 rg BT 425.76 447.90 Td (million ) Tj ET Q q 0 0 0 rg BT 464.75 447.90 Td (from ) Tj ET Q q 0 0 0 rg BT 492.39 447.90 Td (the ) Tj ET Q q 0 0 0 rg BT 511.37 447.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.01 447.90 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 447.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 433.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 103.77 433.50 Td (production-related ) Tj ET Q q 0 0 0 rg BT 199.52 433.50 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 247.61 433.50 Td (excluding ) Tj ET Q q 0 0 0 rg BT 302.04 433.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 361.13 433.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 399.92 433.50 Td (was ) Tj ET Q q 0 0 0 rg BT 425.70 433.50 Td ($1.2billion, ) Tj ET Q q 0 0 0 rg BT 491.15 433.50 Td (a ) Tj ET Q q 0 0 0 rg BT 503.59 433.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 552.01 433.50 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 419.10 Td ($401million, ) Tj ET Q q 0 0 0 rg BT 117.86 419.10 Td (or ) Tj ET Q q 0 0 0 rg BT 131.04 419.10 Td (25%, ) Tj ET Q q 0 0 0 rg BT 159.22 419.10 Td (from ) Tj ET Q q 0 0 0 rg BT 185.74 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.59 419.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 230.10 419.10 Td (year) Tj ET Q q 0 0 0 rg BT 250.09 419.10 Td (. ) Tj ET Q q 0 0 0 rg BT 256.04 419.10 Td (These ) Tj ET Q q 0 0 0 rg BT 287.88 419.10 Td (results ) Tj ET Q q 0 0 0 rg BT 322.40 419.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 367.55 419.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 398.06 419.10 Td (mar) Tj ET Q q 0 0 0 rg BT 416.50 419.10 Td (gins, ) Tj ET Q q 0 0 0 rg BT 442.69 419.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 485.87 419.10 Td (of) Tj ET Q q 0 0 0 rg BT 495.64 419.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 516.16 419.10 Td (by ) Tj ET Q q 0 0 0 rg BT 531.35 419.10 Td (higher ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 404.70 Td (volumes. ) Tj ET Q q 0 0 0 rg BT 96.62 404.70 Td (Production ) Tj ET Q q 0 0 0 rg BT 152.24 404.70 Td (expense) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 190.89 410.14 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 194.79 404.70 Td ( ) Tj ET Q q 0 0 0 rg BT 197.74 404.70 Td (was ) Tj ET Q q 0 0 0 rg BT 219.36 404.70 Td ($710 ) Tj ET Q q 0 0 0 rg BT 246.31 404.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 286.94 404.70 Td (an ) Tj ET Q q 0 0 0 rg BT 301.22 404.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 343.48 404.70 Td (of ) Tj ET Q q 0 0 0 rg BT 356.43 404.70 Td ($137million ) Tj ET Q q 0 0 0 rg BT 421.05 404.70 Td (from ) Tj ET Q q 0 0 0 rg BT 447.33 404.70 Td (the ) Tj ET Q q 0 0 0 rg BT 464.95 404.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 491.23 404.70 Td (year) Tj ET Q q 0 0 0 rg BT 511.40 404.70 Td (, ) Tj ET Q q 0 0 0 rg BT 517.35 404.70 Td (primarily ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 390.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 98.51 390.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 131.71 390.30 Td (volumes. ) Tj ET Q q 0 0 0 rg BT 177.91 390.30 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 236.43 390.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 267.64 390.30 Td (were ) Tj ET Q q 0 0 0 rg BT 293.49 390.30 Td ($81 ) Tj ET Q q 0 0 0 rg BT 314.03 390.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 354.24 390.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 404.09 390.30 Td (with ) Tj ET Q q 0 0 0 rg BT 427.96 390.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 459.17 390.30 Td (of ) Tj ET Q q 0 0 0 rg BT 471.71 390.30 Td ($302 ) Tj ET Q q 0 0 0 rg BT 498.25 390.30 Td (million ) Tj ET Q q 0 0 0 rg BT 535.46 390.30 Td (in ) Tj ET Q q 0 0 0 rg BT 547.33 390.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 375.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 77.41 375.90 Td (year ) Tj ET Q q 0 0 0 rg BT 102.14 375.90 Td (and ) Tj ET Q q 0 0 0 rg BT 123.55 375.90 Td (a ) Tj ET Q q 0 0 0 rg BT 132.96 375.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 170.36 375.90 Td (of ) Tj ET Q q 0 0 0 rg BT 184.43 375.90 Td ($53 ) Tj ET Q q 0 0 0 rg BT 206.52 375.90 Td (million ) Tj ET Q q 0 0 0 rg BT 245.27 375.90 Td (in ) Tj ET Q q 0 0 0 rg BT 258.69 375.90 Td (the ) Tj ET Q q 0 0 0 rg BT 277.43 375.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 304.84 375.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 338.15 375.90 Td (. ) Tj ET Q q 0 0 0 rg BT 344.94 375.90 Td (The ) Tj ET Q q 0 0 0 rg BT 367.68 375.90 Td (current ) Tj ET Q q 0 0 0 rg BT 405.74 375.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 443.80 375.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 489.85 375.90 Td (a ) Tj ET Q q 0 0 0 rg BT 499.26 375.90 Td ($100 ) Tj ET Q q 0 0 0 rg BT 527.34 375.90 Td (million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 361.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 97.77 361.50 Td (in ) Tj ET Q q 0 0 0 rg BT 109.57 361.50 Td (the ) Tj ET Q q 0 0 0 rg BT 126.68 361.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 181.11 361.50 Td (liability ) Tj ET Q q 0 0 0 rg BT 220.90 361.50 Td (and ) Tj ET Q q 0 0 0 rg BT 240.68 361.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 270.46 361.50 Td (realized ) Tj ET Q q 0 0 0 rg BT 310.89 361.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 365.31 361.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 396.44 361.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 446.21 361.50 Td (with ) Tj ET Q q 0 0 0 rg BT 470.00 361.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 495.78 361.50 Td (year ) Tj ET Q q 0 0 0 rg BT 518.89 361.50 Td (and ) Tj ET Q q 0 0 0 rg BT 538.67 361.50 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 347.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 83.50 347.10 Td (, ) Tj ET Q q 0 0 0 rg BT 89.50 347.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 137.15 347.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 170.81 347.10 Td (by ) Tj ET Q q 0 0 0 rg BT 185.81 347.10 Td (a ) Tj ET Q q 0 0 0 rg BT 194.13 347.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 231.78 347.10 Td (in ) Tj ET Q q 0 0 0 rg BT 244.12 347.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 303.11 347.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 358.08 347.10 Td (demands.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 320.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 100.92 320.70 Td (Servicing) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 147.58 320.70 Td ( ) Tj ET Q q 0 0 0 rg BT 150.51 320.70 Td (pretax ) Tj ET Q q 0 0 0 rg BT 183.41 320.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 205.00 320.70 Td (was ) Tj ET Q q 0 0 0 rg BT 226.59 320.70 Td ($101 ) Tj ET Q q 0 0 0 rg BT 253.51 320.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 294.10 320.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 344.33 320.70 Td (with ) Tj ET Q q 0 0 0 rg BT 368.58 320.70 Td (a ) Tj ET Q q 0 0 0 rg BT 376.83 320.70 Td (pretax ) Tj ET Q q 0 0 0 rg BT 409.73 320.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 431.33 320.70 Td (of ) Tj ET Q q 0 0 0 rg BT 444.25 320.70 Td ($160million ) Tj ET Q q 0 0 0 rg BT 508.84 320.70 Td (in ) Tj ET Q q 0 0 0 rg BT 521.09 320.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 320.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 306.30 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 306.30 Td (. ) Tj ET Q q 0 0 0 rg BT 76.28 306.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 126.22 306.30 Td (servicing ) Tj ET Q q 0 0 0 rg BT 173.50 306.30 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 217.77 306.30 Td (including ) Tj ET Q q 0 0 0 rg BT 266.39 306.30 Td (amortization, ) Tj ET Q q 0 0 0 rg BT 333.33 306.30 Td (was ) Tj ET Q q 0 0 0 rg BT 355.29 306.30 Td ($778 ) Tj ET Q q 0 0 0 rg BT 382.58 306.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 423.54 306.30 Td (a ) Tj ET Q q 0 0 0 rg BT 432.16 306.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 476.75 306.30 Td (of ) Tj ET Q q 0 0 0 rg BT 490.04 306.30 Td ($22million, ) Tj ET Q q 0 0 0 rg BT 552.00 306.30 Td (or ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 291.90 Td (3%, ) Tj ET Q q 0 0 0 rg BT 72.14 291.90 Td (from ) Tj ET Q q 0 0 0 rg BT 98.62 291.90 Td (the ) Tj ET Q q 0 0 0 rg BT 116.43 291.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 142.90 291.90 Td (year ) Tj ET Q q 0 0 0 rg BT 166.70 291.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 215.82 291.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 246.29 291.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 270.10 291.90 Td (servicing ) Tj ET Q q 0 0 0 rg BT 317.23 291.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 358.35 291.90 Td (due ) Tj ET Q q 0 0 0 rg BT 378.83 291.90 Td (to ) Tj ET Q q 0 0 0 rg BT 391.31 291.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 421.78 291.90 Td (average ) Tj ET Q q 0 0 0 rg BT 462.23 291.90 Td (third-party ) Tj ET Q q 0 0 0 rg BT 516.69 291.90 Td (mortgage ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 277.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 78.24 277.50 Td (serviced. ) Tj ET Q q 0 0 0 rg BT 124.14 277.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 173.70 277.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 220.60 277.50 Td (rights ) Tj ET Q q 0 0 0 rg BT 250.85 277.50 Td (\(MSR\) ) Tj ET Q q 0 0 0 rg BT 297.75 277.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 318.67 277.50 Td (management ) Tj ET Q q 0 0 0 rg BT 382.89 277.50 Td (was ) Tj ET Q q 0 0 0 rg BT 404.46 277.50 Td (a ) Tj ET Q q 0 0 0 rg BT 412.70 277.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 434.29 277.50 Td (of ) Tj ET Q q 0 0 0 rg BT 447.20 277.50 Td ($142 ) Tj ET Q q 0 0 0 rg BT 474.11 277.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 514.70 277.50 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 263.10 Td (with ) Tj ET Q q 0 0 0 rg BT 75.53 263.10 Td (MSR ) Tj ET Q q 0 0 0 rg BT 105.07 263.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 127.27 263.10 Td (management ) Tj ET Q q 0 0 0 rg BT 192.77 263.10 Td (income ) Tj ET Q q 0 0 0 rg BT 232.29 263.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.48 263.10 Td ($191 ) Tj ET Q q 0 0 0 rg BT 274.67 263.10 Td (million ) Tj ET Q q 0 0 0 rg BT 313.54 263.10 Td (in ) Tj ET Q q 0 0 0 rg BT 327.07 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.92 263.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 373.44 263.10 Td (year) Tj ET Q q 0 0 0 rg BT 393.61 263.10 Td (, ) Tj ET Q q 0 0 0 rg BT 400.81 263.10 Td (lar) Tj ET Q q 0 0 0 rg BT 413.25 263.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 438.10 263.10 Td (due ) Tj ET Q q 0 0 0 rg BT 459.62 263.10 Td (to ) Tj ET Q q 0 0 0 rg BT 473.15 263.10 Td (model ) Tj ET Q q 0 0 0 rg BT 507.34 263.10 Td (assumption ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 248.70 Td (updates, ) Tj ET Q q 0 0 0 rg BT 92.33 248.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 139.67 248.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 173.00 248.70 Td (by ) Tj ET Q q 0 0 0 rg BT 187.68 248.70 Td (an ) Tj ET Q q 0 0 0 rg BT 201.68 248.70 Td (improvement ) Tj ET Q q 0 0 0 rg BT 268.34 248.70 Td (in ) Tj ET Q q 0 0 0 rg BT 280.36 248.70 Td (housing ) Tj ET Q q 0 0 0 rg BT 321.04 248.70 Td (price ) Tj ET Q q 0 0 0 rg BT 347.70 248.70 Td (appreciation ) Tj ET Q q 0 0 0 rg BT 409.68 248.70 Td (assumptions. ) Tj ET Q q 0 0 0 rg BT 474.69 248.70 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 523.36 248.70 Td (expense ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 234.30 Td (was ) Tj ET Q q 0 0 0 rg BT 70.60 234.30 Td ($737million, ) Tj ET Q q 0 0 0 rg BT 137.21 234.30 Td (a ) Tj ET Q q 0 0 0 rg BT 144.47 234.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 187.70 234.30 Td (of ) Tj ET Q q 0 0 0 rg BT 199.63 234.30 Td ($414 ) Tj ET Q q 0 0 0 rg BT 225.57 234.30 Td (million ) Tj ET Q q 0 0 0 rg BT 262.18 234.30 Td (from ) Tj ET Q q 0 0 0 rg BT 287.44 234.30 Td (the ) Tj ET Q q 0 0 0 rg BT 304.04 234.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 329.30 234.30 Td (year) Tj ET Q q 0 0 0 rg BT 349.47 234.30 Td (, ) Tj ET Q q 0 0 0 rg BT 354.40 234.30 Td (which ) Tj ET Q q 0 0 0 rg BT 385.67 234.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 429.57 234.30 Td (the ) Tj ET Q q 0 0 0 rg BT 446.16 234.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 480.75 234.30 Td (of ) Tj ET Q q 0 0 0 rg BT 492.69 234.30 Td (approximately ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 219.90 Td ($200 ) Tj ET Q q 0 0 0 rg BT 77.00 219.90 Td (million ) Tj ET Q q 0 0 0 rg BT 114.67 219.90 Td (for ) Tj ET Q q 0 0 0 rg BT 131.66 219.90 Td (foreclosure-related ) Tj ET Q q 0 0 0 rg BT 225.27 219.90 Td (matters ) Tj ET Q q 0 0 0 rg BT 263.59 219.90 Td (in ) Tj ET Q q 0 0 0 rg BT 275.93 219.90 Td (the ) Tj ET Q q 0 0 0 rg BT 293.59 219.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 319.91 219.90 Td (year ) Tj ET Q q 0 0 0 rg BT 343.56 219.90 Td (and ) Tj ET Q q 0 0 0 rg BT 363.89 219.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 394.21 219.90 Td (servicing ) Tj ET Q q 0 0 0 rg BT 441.20 219.90 Td (headcount.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 193.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 193.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 193.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 193.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 193.50 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 184.54 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 162.11 cm /I30 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 164.70 Td (Mortgage Banking return on equity) Tj ET Q q 0 0 0 rg BT 273.18 164.70 Td (, including Mortgage Production, Servicing and Real Estate ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 150.30 Td (Portfolios, was 14% on $19.5billion of average allocated capital. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 133.31 cm /I31 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 135.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 154.02 135.90 Td (originations ) Tj ET Q q 0 0 0 rg BT 214.71 135.90 Td (were ) Tj ET Q q 0 0 0 rg BT 241.39 135.90 Td ($52.7 ) Tj ET Q q 0 0 0 rg BT 271.75 135.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 309.45 135.90 Td (up ) Tj ET Q q 0 0 0 rg BT 324.82 135.90 Td (37% ) Tj ET Q q 0 0 0 rg BT 350.18 135.90 Td (from ) Tj ET Q q 0 0 0 rg BT 376.87 135.90 Td (the ) Tj ET Q q 0 0 0 rg BT 394.90 135.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.59 135.90 Td (year ) Tj ET Q q 0 0 0 rg BT 445.60 135.90 Td (and ) Tj ET Q q 0 0 0 rg BT 466.29 135.90 Td (3% ) Tj ET Q q 0 0 0 rg BT 485.65 135.90 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 135.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 121.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 121.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 121.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 104.51 cm /I32 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 107.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 154.02 107.10 Td (application ) Tj ET Q q 0 0 0 rg BT 210.70 107.10 Td (volumes ) Tj ET Q q 0 0 0 rg BT 254.73 107.10 Td (were ) Tj ET Q q 0 0 0 rg BT 281.42 107.10 Td ($60.5 ) Tj ET Q q 0 0 0 rg BT 311.78 107.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 349.49 107.10 Td (up ) Tj ET Q q 0 0 0 rg BT 364.85 107.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 384.22 107.10 Td (from ) Tj ET Q q 0 0 0 rg BT 410.91 107.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.94 107.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 455.63 107.10 Td (year ) Tj ET Q q 0 0 0 rg BT 479.65 107.10 Td (and ) Tj ET Q q 0 0 0 rg BT 500.34 107.10 Td (down ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 92.70 Td (8% ) Tj ET Q q 0 0 0 rg BT 123.00 92.70 Td (from ) Tj ET Q q 0 0 0 rg BT 149.32 92.70 Td (the ) Tj ET Q q 0 0 0 rg BT 166.98 92.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 193.31 92.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 226.63 92.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 75.71 cm /I33 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 78.30 Td (T) Tj ET Q q 0 0 0 rg BT 110.49 78.30 Td (otal ) Tj ET Q q 0 0 0 rg BT 131.98 78.30 Td (third-party ) Tj ET Q q 0 0 0 rg BT 186.80 78.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 235.61 78.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 264.44 78.30 Td (serviced ) Tj ET Q q 0 0 0 rg BT 307.91 78.30 Td (were ) Tj ET Q q 0 0 0 rg BT 334.72 78.30 Td ($849.2 ) Tj ET Q q 0 0 0 rg BT 371.22 78.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 409.05 78.30 Td (down ) Tj ET Q q 0 0 0 rg BT 439.21 78.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 458.71 78.30 Td (from ) Tj ET Q q 0 0 0 rg BT 485.53 78.30 Td (the ) Tj ET Q q 0 0 0 rg BT 503.69 78.30 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 63.90 Td (year ) Tj ET Q q 0 0 0 rg BT 127.65 63.90 Td (and ) Tj ET Q q 0 0 0 rg BT 147.97 63.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 166.97 63.90 Td (from ) Tj ET Q q 0 0 0 rg BT 193.30 63.90 Td (the ) Tj ET Q q 0 0 0 rg BT 210.96 63.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 237.28 63.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 270.60 63.90 Td (.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Real ) Tj ET Q q 0 0 0 rg BT 75.76 740.90 Td (Estate ) Tj ET Q q 0 0 0 rg BT 109.52 740.90 Td (Portfolios) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 158.19 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 161.29 740.90 Td (pretax ) Tj ET Q q 0 0 0 rg BT 194.36 740.90 Td (income ) Tj ET Q q 0 0 0 rg BT 232.78 740.90 Td (was ) Tj ET Q q 0 0 0 rg BT 254.54 740.90 Td ($784 ) Tj ET Q q 0 0 0 rg BT 281.63 740.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 322.40 740.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 372.80 740.90 Td (with ) Tj ET Q q 0 0 0 rg BT 397.23 740.90 Td ($854million ) Tj ET Q q 0 0 0 rg BT 461.99 740.90 Td (in ) Tj ET Q q 0 0 0 rg BT 474.42 740.90 Td (the ) Tj ET Q q 0 0 0 rg BT 492.18 740.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 518.60 740.90 Td (year) Tj ET Q q 0 0 0 rg BT 538.59 740.90 Td (. ) Tj ET Q q 0 0 0 rg BT 544.68 740.90 Td (Net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 90.54 726.50 Td (was ) Tj ET Q q 0 0 0 rg BT 111.77 726.50 Td ($945million, ) Tj ET Q q 0 0 0 rg BT 179.00 726.50 Td (a ) Tj ET Q q 0 0 0 rg BT 186.89 726.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 230.75 726.50 Td (of ) Tj ET Q q 0 0 0 rg BT 243.32 726.50 Td ($136million, ) Tj ET Q q 0 0 0 rg BT 310.55 726.50 Td (or ) Tj ET Q q 0 0 0 rg BT 323.11 726.50 Td (13%, ) Tj ET Q q 0 0 0 rg BT 350.67 726.50 Td (from ) Tj ET Q q 0 0 0 rg BT 376.56 726.50 Td (the ) Tj ET Q q 0 0 0 rg BT 393.79 726.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 419.68 726.50 Td (year) Tj ET Q q 0 0 0 rg BT 439.67 726.50 Td (. ) Tj ET Q q 0 0 0 rg BT 445.05 726.50 Td (The ) Tj ET Q q 0 0 0 rg BT 466.27 726.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 510.13 726.50 Td (was ) Tj ET Q q 0 0 0 rg BT 531.36 726.50 Td (driven ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (by ) Tj ET Q q 0 0 0 rg BT 65.00 712.10 Td (a ) Tj ET Q q 0 0 0 rg BT 73.33 712.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 110.97 712.10 Td (in ) Tj ET Q q 0 0 0 rg BT 123.31 712.10 Td (net ) Tj ET Q q 0 0 0 rg BT 140.97 712.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 179.29 712.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 220.61 712.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 265.60 712.10 Td (from ) Tj ET Q q 0 0 0 rg BT 291.93 712.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 322.25 712.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 345.91 712.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 390.22 712.10 Td (due ) Tj ET Q q 0 0 0 rg BT 410.54 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.88 712.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 467.87 712.10 Td (runof) Tj ET Q q 0 0 0 rg BT 493.65 712.10 Td (f.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 685.70 Td (The ) Tj ET Q q 0 0 0 rg BT 71.58 685.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.84 685.70 Td (for ) Tj ET Q q 0 0 0 rg BT 136.76 685.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.00 685.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.60 685.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 243.49 685.70 Td (a ) Tj ET Q q 0 0 0 rg BT 251.74 685.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 287.98 685.70 Td (of ) Tj ET Q q 0 0 0 rg BT 300.90 685.70 Td ($202 ) Tj ET Q q 0 0 0 rg BT 327.83 685.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 368.42 685.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 418.65 685.70 Td (with ) Tj ET Q q 0 0 0 rg BT 442.91 685.70 Td (a ) Tj ET Q q 0 0 0 rg BT 451.17 685.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 487.41 685.70 Td (of ) Tj ET Q q 0 0 0 rg BT 500.33 685.70 Td ($192million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 671.30 Td (in ) Tj ET Q q 0 0 0 rg BT 62.30 671.30 Td (the ) Tj ET Q q 0 0 0 rg BT 79.92 671.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 106.21 671.30 Td (year) Tj ET Q q 0 0 0 rg BT 126.20 671.30 Td (. ) Tj ET Q q 0 0 0 rg BT 131.95 671.30 Td (The ) Tj ET Q q 0 0 0 rg BT 153.57 671.30 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 228.48 671.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 276.78 671.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 321.71 671.30 Td (a ) Tj ET Q q 0 0 0 rg BT 330.00 671.30 Td ($650 ) Tj ET Q q 0 0 0 rg BT 356.96 671.30 Td (million ) Tj ET Q q 0 0 0 rg BT 394.59 671.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 442.87 671.30 Td (in ) Tj ET Q q 0 0 0 rg BT 455.17 671.30 Td (the ) Tj ET Q q 0 0 0 rg BT 472.79 671.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 524.40 671.30 Td (for ) Tj ET Q q 0 0 0 rg BT 541.35 671.30 Td (loan ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 656.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 81.99 656.90 Td (due ) Tj ET Q q 0 0 0 rg BT 102.63 656.90 Td (to ) Tj ET Q q 0 0 0 rg BT 115.28 656.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 145.92 656.90 Td (estimated ) Tj ET Q q 0 0 0 rg BT 195.23 656.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 227.21 656.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 276.50 656.90 Td (improved ) Tj ET Q q 0 0 0 rg BT 325.81 656.90 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 387.78 656.90 Td (trends, ) Tj ET Q q 0 0 0 rg BT 423.42 656.90 Td (primarily ) Tj ET Q q 0 0 0 rg BT 471.39 656.90 Td (in ) Tj ET Q q 0 0 0 rg BT 484.04 656.90 Td (the ) Tj ET Q q 0 0 0 rg BT 502.02 656.90 Td (home ) Tj ET Q q 0 0 0 rg BT 532.00 656.90 Td (equity ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 642.50 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 97.45 642.50 Td (including ) Tj ET Q q 0 0 0 rg BT 145.23 642.50 Td (the ) Tj ET Q q 0 0 0 rg BT 162.34 642.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 197.45 642.50 Td (of ) Tj ET Q q 0 0 0 rg BT 209.90 642.50 Td (improved ) Tj ET Q q 0 0 0 rg BT 258.34 642.50 Td (home ) Tj ET Q q 0 0 0 rg BT 287.46 642.50 Td (prices. ) Tj ET Q q 0 0 0 rg BT 321.56 642.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 341.34 642.50 Td (char) Tj ET Q q 0 0 0 rg BT 361.78 642.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 386.88 642.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 398.00 642.50 Td (totaled ) Tj ET Q q 0 0 0 rg BT 433.10 642.50 Td ($448million. ) Tj ET Q q 0 0 0 rg BT 500.23 642.50 Td (Home ) Tj ET Q q 0 0 0 rg BT 532.01 642.50 Td (equity ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (net ) Tj ET Q q 0 0 0 rg BT 68.75 628.10 Td (char) Tj ET Q q 0 0 0 rg BT 89.18 628.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 114.28 628.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 127.03 628.10 Td (were ) Tj ET Q q 0 0 0 rg BT 154.43 628.10 Td ($333million ) Tj ET Q q 0 0 0 rg BT 220.19 628.10 Td (\(2.04% ) Tj ET Q q 0 0 0 rg BT 259.27 628.10 Td (net ) Tj ET Q q 0 0 0 rg BT 278.02 628.10 Td (char) Tj ET Q q 0 0 0 rg BT 298.45 628.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 323.55 628.10 Td (f ) Tj ET Q q 0 0 0 rg BT 331.63 628.10 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 349.62 633.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 353.52 628.10 Td (\), ) Tj ET Q q 0 0 0 rg BT 364.60 628.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 415.99 628.10 Td (with ) Tj ET Q q 0 0 0 rg BT 441.42 628.10 Td ($542 ) Tj ET Q q 0 0 0 rg BT 469.50 628.10 Td (million ) Tj ET Q q 0 0 0 rg BT 508.26 628.10 Td (\(2.85% ) Tj ET Q q 0 0 0 rg BT 547.34 628.10 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 613.70 Td (char) Tj ET Q q 0 0 0 rg BT 70.43 613.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 95.53 613.70 Td (f ) Tj ET Q q 0 0 0 rg BT 102.47 613.70 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 120.45 619.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 124.35 613.70 Td (\) ) Tj ET Q q 0 0 0 rg BT 131.28 613.70 Td (in ) Tj ET Q q 0 0 0 rg BT 143.55 613.70 Td (the ) Tj ET Q q 0 0 0 rg BT 161.15 613.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 187.41 613.70 Td (year) Tj ET Q q 0 0 0 rg BT 207.40 613.70 Td (. ) Tj ET Q q 0 0 0 rg BT 213.34 613.70 Td (Subprime ) Tj ET Q q 0 0 0 rg BT 262.94 613.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 311.19 613.70 Td (net ) Tj ET Q q 0 0 0 rg BT 328.79 613.70 Td (char) Tj ET Q q 0 0 0 rg BT 349.22 613.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 374.32 613.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 385.92 613.70 Td (were ) Tj ET Q q 0 0 0 rg BT 412.18 613.70 Td ($67 ) Tj ET Q q 0 0 0 rg BT 433.11 613.70 Td (million ) Tj ET Q q 0 0 0 rg BT 470.72 613.70 Td (\(3.34% ) Tj ET Q q 0 0 0 rg BT 508.65 613.70 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 613.70 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 613.70 Td (ge-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 599.30 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 599.30 Td (f ) Tj ET Q q 0 0 0 rg BT 65.57 599.30 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 83.56 604.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 87.46 599.30 Td (\), ) Tj ET Q q 0 0 0 rg BT 96.25 599.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 145.36 599.30 Td (with ) Tj ET Q q 0 0 0 rg BT 168.49 599.30 Td ($130million ) Tj ET Q q 0 0 0 rg BT 231.96 599.30 Td (\(5.51% ) Tj ET Q q 0 0 0 rg BT 268.75 599.30 Td (net ) Tj ET Q q 0 0 0 rg BT 285.21 599.30 Td (char) Tj ET Q q 0 0 0 rg BT 305.64 599.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 330.74 599.30 Td (f ) Tj ET Q q 0 0 0 rg BT 336.54 599.30 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 354.52 604.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 358.42 599.30 Td (\). ) Tj ET Q q 0 0 0 rg BT 367.21 599.30 Td (Prime ) Tj ET Q q 0 0 0 rg BT 397.68 599.30 Td (mortgage, ) Tj ET Q q 0 0 0 rg BT 447.79 599.30 Td (including ) Tj ET Q q 0 0 0 rg BT 494.92 599.30 Td (option ) Tj ET Q q 0 0 0 rg BT 526.99 599.30 Td (ARMs, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 584.90 Td (net ) Tj ET Q q 0 0 0 rg BT 66.33 584.90 Td (char) Tj ET Q q 0 0 0 rg BT 86.76 584.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 111.86 584.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 122.20 584.90 Td (were ) Tj ET Q q 0 0 0 rg BT 147.18 584.90 Td ($44million ) Tj ET Q q 0 0 0 rg BT 204.52 584.90 Td (\(0.43% ) Tj ET Q q 0 0 0 rg BT 241.19 584.90 Td (net ) Tj ET Q q 0 0 0 rg BT 257.52 584.90 Td (char) Tj ET Q q 0 0 0 rg BT 277.95 584.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 303.05 584.90 Td (f ) Tj ET Q q 0 0 0 rg BT 308.71 584.90 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 326.70 590.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 330.60 584.90 Td (\), ) Tj ET Q q 0 0 0 rg BT 339.26 584.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 388.24 584.90 Td (with ) Tj ET Q q 0 0 0 rg BT 411.25 584.90 Td ($131 ) Tj ET Q q 0 0 0 rg BT 436.92 584.90 Td (million ) Tj ET Q q 0 0 0 rg BT 473.25 584.90 Td (\(1.21% ) Tj ET Q q 0 0 0 rg BT 509.92 584.90 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 584.90 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 584.90 Td (ge-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 570.50 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 570.50 Td (f ) Tj ET Q q 0 0 0 rg BT 66.78 570.50 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 84.76 575.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 88.66 570.50 Td (\).) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.63 544.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 151.91 544.10 Td (was ) Tj ET Q q 0 0 0 rg BT 174.21 544.10 Td ($363million, ) Tj ET Q q 0 0 0 rg BT 242.52 544.10 Td (a ) Tj ET Q q 0 0 0 rg BT 251.49 544.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 296.42 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.06 544.10 Td ($56million ) Tj ET Q q 0 0 0 rg BT 369.37 544.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 420.31 544.10 Td (with ) Tj ET Q q 0 0 0 rg BT 445.29 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.58 544.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.55 544.10 Td (year) Tj ET Q q 0 0 0 rg BT 510.72 544.10 Td (, ) Tj ET Q q 0 0 0 rg BT 517.36 544.10 Td (primarily ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 529.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 83.66 529.70 Td (by ) Tj ET Q q 0 0 0 rg BT 98.66 529.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 128.98 529.70 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 181.95 529.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 208.28 529.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 249.93 529.70 Td (due ) Tj ET Q q 0 0 0 rg BT 270.25 529.70 Td (to ) Tj ET Q q 0 0 0 rg BT 282.59 529.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 312.91 529.70 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 369.88 529.70 Td (inventory) Tj ET Q q 0 0 0 rg BT 415.09 529.70 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 503.30 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 503.30 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 503.30 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 503.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 503.30 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 494.34 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 494.34 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 494.34 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 494.34 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 494.34 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 494.34 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 494.34 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 494.34 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 494.34 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 494.34 Td (noted. ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 257.02 494.34 Td (A) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 261.65 494.34 Td (verage ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 284.81 494.34 Td (loans ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 304.10 494.34 Td (include ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 329.88 494.34 Td (PCI ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 344.83 494.34 Td (loans\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 471.91 cm /I34 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 474.50 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 474.50 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 474.50 Td (home ) Tj ET Q q 0 0 0 rg BT 176.41 474.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 209.40 474.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.73 474.50 Td (were ) Tj ET Q q 0 0 0 rg BT 264.05 474.50 Td ($86.9billion, ) Tj ET Q q 0 0 0 rg BT 331.38 474.50 Td (down ) Tj ET Q q 0 0 0 rg BT 361.05 474.50 Td ($12.2 ) Tj ET Q q 0 0 0 rg BT 391.05 474.50 Td (billion.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 457.51 cm /I35 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 460.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 460.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 460.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 195.07 460.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.40 460.10 Td (were ) Tj ET Q q 0 0 0 rg BT 249.71 460.10 Td ($88.3 ) Tj ET Q q 0 0 0 rg BT 279.71 460.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 317.05 460.10 Td (down ) Tj ET Q q 0 0 0 rg BT 346.71 460.10 Td ($7.2billion. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 443.11 cm /I36 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 445.70 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 158.98 445.70 Td (for ) Tj ET Q q 0 0 0 rg BT 175.97 445.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.63 445.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 231.30 445.70 Td (was ) Tj ET Q q 0 0 0 rg BT 252.96 445.70 Td ($9.9 ) Tj ET Q q 0 0 0 rg BT 276.96 445.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 314.30 445.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 364.61 445.70 Td (with ) Tj ET Q q 0 0 0 rg BT 388.94 445.70 Td ($13.4 ) Tj ET Q q 0 0 0 rg BT 418.94 445.70 Td (billion.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 428.71 cm /I37 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 431.30 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 159.97 431.30 Td (for ) Tj ET Q q 0 0 0 rg BT 177.95 431.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 202.59 431.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 235.25 431.30 Td (to ) Tj ET Q q 0 0 0 rg BT 248.57 431.30 Td (ending ) Tj ET Q q 0 0 0 rg BT 285.22 431.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.54 431.30 Td (retained, ) Tj ET Q q 0 0 0 rg BT 360.17 431.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 411.47 431.30 Td (PCI ) Tj ET Q q 0 0 0 rg BT 434.13 431.30 Td (loans) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 459.46 436.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 463.36 431.30 Td (, ) Tj ET Q q 0 0 0 rg BT 470.35 431.30 Td (was ) Tj ET Q q 0 0 0 rg BT 493.00 431.30 Td (3.66%, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 416.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 416.90 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 416.90 Td (6.01%.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 390.50 Td (Card, ) Tj ET Q q 0 0 0 rg BT 81.93 390.50 Td (Mer) Tj ET Q q 0 0 0 rg BT 103.69 390.50 Td (chant ) Tj ET Q q 0 0 0 rg BT 134.63 390.50 Td (Services ) Tj ET Q q 0 0 0 rg BT 178.88 390.50 Td (& ) Tj ET Q q 0 0 0 rg BT 190.64 390.50 Td (Auto) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 215.98 390.50 Td ( ) Tj ET Q q 0 0 0 rg BT 218.24 390.50 Td (net ) Tj ET Q q 0 0 0 rg BT 235.17 390.50 Td (income ) Tj ET Q q 0 0 0 rg BT 272.76 390.50 Td (was ) Tj ET Q q 0 0 0 rg BT 293.68 390.50 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 316.95 390.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 353.55 390.50 Td (an ) Tj ET Q q 0 0 0 rg BT 367.14 390.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 408.71 390.50 Td (of ) Tj ET Q q 0 0 0 rg BT 420.98 390.50 Td ($89 ) Tj ET Q q 0 0 0 rg BT 441.24 390.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 481.18 390.50 Td (or ) Tj ET Q q 0 0 0 rg BT 493.44 390.50 Td (8%, ) Tj ET Q q 0 0 0 rg BT 514.70 390.50 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 376.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 376.10 Td (year) Tj ET Q q 0 0 0 rg BT 138.49 376.10 Td (, ) Tj ET Q q 0 0 0 rg BT 144.49 376.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 178.14 376.10 Td (by ) Tj ET Q q 0 0 0 rg BT 193.14 376.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 223.47 376.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 279.79 376.10 Td (expense. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 349.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.84 349.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 112.32 349.70 Td (was ) Tj ET Q q 0 0 0 rg BT 134.49 349.70 Td ($4.7 ) Tj ET Q q 0 0 0 rg BT 159.00 349.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 196.85 349.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 216.35 349.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 267.17 349.70 Td (with ) Tj ET Q q 0 0 0 rg BT 292.01 349.70 Td (the ) Tj ET Q q 0 0 0 rg BT 310.18 349.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 337.02 349.70 Td (year) Tj ET Q q 0 0 0 rg BT 357.00 349.70 Td (. ) Tj ET Q q 0 0 0 rg BT 363.51 349.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 384.35 349.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 423.18 349.70 Td (income ) Tj ET Q q 0 0 0 rg BT 462.01 349.70 Td (was ) Tj ET Q q 0 0 0 rg BT 484.18 349.70 Td ($3.5billion, ) Tj ET Q q 0 0 0 rg BT 546.03 349.70 Td (flat ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 335.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.94 335.30 Td (with ) Tj ET Q q 0 0 0 rg BT 125.90 335.30 Td (the ) Tj ET Q q 0 0 0 rg BT 144.19 335.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 171.15 335.30 Td (year) Tj ET Q q 0 0 0 rg BT 191.13 335.30 Td (. ) Tj ET Q q 0 0 0 rg BT 197.50 335.30 Td (The ) Tj ET Q q 0 0 0 rg BT 219.79 335.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 256.07 335.30 Td (of ) Tj ET Q q 0 0 0 rg BT 269.70 335.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 300.65 335.30 Td (average ) Tj ET Q q 0 0 0 rg BT 341.58 335.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 372.53 335.30 Td (card ) Tj ET Q q 0 0 0 rg BT 396.81 335.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 421.10 335.30 Td (balances ) Tj ET Q q 0 0 0 rg BT 466.03 335.30 Td (was ) Tj ET Q q 0 0 0 rg BT 488.33 335.30 Td (of) Tj ET Q q 0 0 0 rg BT 498.11 335.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 519.06 335.30 Td (by ) Tj ET Q q 0 0 0 rg BT 534.69 335.30 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 320.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 90.54 320.90 Td (reversals ) Tj ET Q q 0 0 0 rg BT 135.74 320.90 Td (associated ) Tj ET Q q 0 0 0 rg BT 187.62 320.90 Td (with ) Tj ET Q q 0 0 0 rg BT 211.51 320.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 241.40 320.90 Td (net ) Tj ET Q q 0 0 0 rg BT 258.62 320.90 Td (char) Tj ET Q q 0 0 0 rg BT 279.05 320.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 304.15 320.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 315.38 320.90 Td (in ) Tj ET Q q 0 0 0 rg BT 327.28 320.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 357.16 320.90 Td (card. ) Tj ET Q q 0 0 0 rg BT 383.37 320.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 441.91 320.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 482.45 320.90 Td (was ) Tj ET Q q 0 0 0 rg BT 503.68 320.90 Td ($1.3billion, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 306.50 Td (relatively ) Tj ET Q q 0 0 0 rg BT 97.27 306.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 115.22 306.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 164.49 306.50 Td (with ) Tj ET Q q 0 0 0 rg BT 187.78 306.50 Td (the ) Tj ET Q q 0 0 0 rg BT 204.40 306.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 229.69 306.50 Td (year) Tj ET Q q 0 0 0 rg BT 249.68 306.50 Td (. ) Tj ET Q q 0 0 0 rg BT 254.49 306.50 Td (The ) Tj ET Q q 0 0 0 rg BT 275.11 306.50 Td (current ) Tj ET Q q 0 0 0 rg BT 311.05 306.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 346.99 306.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 390.91 306.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 423.53 306.50 Td (net ) Tj ET Q q 0 0 0 rg BT 440.15 306.50 Td (interchange ) Tj ET Q q 0 0 0 rg BT 498.08 306.50 Td (and ) Tj ET Q q 0 0 0 rg BT 517.36 306.50 Td (merchant ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 96.99 292.10 Td (revenue; ) Tj ET Q q 0 0 0 rg BT 141.29 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.96 292.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 185.28 292.10 Td (year ) Tj ET Q q 0 0 0 rg BT 208.93 292.10 Td (included ) Tj ET Q q 0 0 0 rg BT 253.25 292.10 Td (a ) Tj ET Q q 0 0 0 rg BT 261.58 292.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 285.24 292.10 Td (on ) Tj ET Q q 0 0 0 rg BT 300.24 292.10 Td (an ) Tj ET Q q 0 0 0 rg BT 314.56 292.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 370.22 292.10 Td (security) Tj ET Q q 0 0 0 rg BT 407.43 292.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 265.70 Td (The ) Tj ET Q q 0 0 0 rg BT 70.33 265.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 117.34 265.70 Td (for ) Tj ET Q q 0 0 0 rg BT 133.00 265.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 161.99 265.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 192.33 265.70 Td (was ) Tj ET Q q 0 0 0 rg BT 212.67 265.70 Td ($686 ) Tj ET Q q 0 0 0 rg BT 238.34 265.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 277.68 265.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 326.67 265.70 Td (with ) Tj ET Q q 0 0 0 rg BT 349.67 265.70 Td ($738million ) Tj ET Q q 0 0 0 rg BT 413.01 265.70 Td (in ) Tj ET Q q 0 0 0 rg BT 424.02 265.70 Td (the ) Tj ET Q q 0 0 0 rg BT 440.35 265.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 465.35 265.70 Td (year ) Tj ET Q q 0 0 0 rg BT 487.67 265.70 Td (and ) Tj ET Q q 0 0 0 rg BT 506.67 265.70 Td ($1.3billion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 251.30 Td (in ) Tj ET Q q 0 0 0 rg BT 61.10 251.30 Td (the ) Tj ET Q q 0 0 0 rg BT 77.53 251.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 102.63 251.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 135.95 251.30 Td (. ) Tj ET Q q 0 0 0 rg BT 140.59 251.30 Td (The ) Tj ET Q q 0 0 0 rg BT 161.01 251.30 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 234.74 251.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 281.84 251.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 325.57 251.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 354.67 251.30 Td (net ) Tj ET Q q 0 0 0 rg BT 371.09 251.30 Td (char) Tj ET Q q 0 0 0 rg BT 391.53 251.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 416.63 251.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 427.06 251.30 Td (and ) Tj ET Q q 0 0 0 rg BT 446.16 251.30 Td (a ) Tj ET Q q 0 0 0 rg BT 453.25 251.30 Td ($500million ) Tj ET Q q 0 0 0 rg BT 516.69 251.30 Td (reduction ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 236.90 Td (in ) Tj ET Q q 0 0 0 rg BT 62.40 236.90 Td (the ) Tj ET Q q 0 0 0 rg BT 80.13 236.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 131.84 236.90 Td (for ) Tj ET Q q 0 0 0 rg BT 148.90 236.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 172.63 236.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 204.37 236.90 Td (due ) Tj ET Q q 0 0 0 rg BT 224.76 236.90 Td (to ) Tj ET Q q 0 0 0 rg BT 237.17 236.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 267.56 236.90 Td (estimated ) Tj ET Q q 0 0 0 rg BT 316.61 236.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 348.35 236.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 397.39 236.90 Td (improved ) Tj ET Q q 0 0 0 rg BT 446.45 236.90 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 508.17 236.90 Td (trends. ) Tj ET Q q 0 0 0 rg BT 543.34 236.90 Td (The ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 222.50 Td (prior) Tj ET Q q 0 0 0 rg BT 73.09 222.50 Td (-year ) Tj ET Q q 0 0 0 rg BT 100.41 222.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 148.43 222.50 Td (included ) Tj ET Q q 0 0 0 rg BT 192.43 222.50 Td (a ) Tj ET Q q 0 0 0 rg BT 200.44 222.50 Td ($750 ) Tj ET Q q 0 0 0 rg BT 227.12 222.50 Td (million ) Tj ET Q q 0 0 0 rg BT 264.47 222.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 312.47 222.50 Td (in ) Tj ET Q q 0 0 0 rg BT 324.49 222.50 Td (the ) Tj ET Q q 0 0 0 rg BT 341.83 222.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 393.15 222.50 Td (for ) Tj ET Q q 0 0 0 rg BT 409.83 222.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 433.17 222.50 Td (losses. ) Tj ET Q q 0 0 0 rg BT 467.33 222.50 Td (The ) Tj ET Q q 0 0 0 rg BT 488.66 222.50 Td (Credit ) Tj ET Q q 0 0 0 rg BT 521.34 222.50 Td (Card ) Tj ET Q q 0 0 0 rg BT 547.35 222.50 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (char) Tj ET Q q 0 0 0 rg BT 70.43 208.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 95.53 208.10 Td (f ) Tj ET Q q 0 0 0 rg BT 102.48 208.10 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 120.46 213.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 124.36 208.10 Td ( ) Tj ET Q q 0 0 0 rg BT 127.31 208.10 Td (was ) Tj ET Q q 0 0 0 rg BT 148.92 208.10 Td (3.55%, ) Tj ET Q q 0 0 0 rg BT 185.86 208.10 Td (down ) Tj ET Q q 0 0 0 rg BT 215.48 208.10 Td (from ) Tj ET Q q 0 0 0 rg BT 241.75 208.10 Td (4.37% ) Tj ET Q q 0 0 0 rg BT 275.70 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 287.98 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.59 208.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 331.87 208.10 Td (year ) Tj ET Q q 0 0 0 rg BT 355.46 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.74 208.10 Td (up ) Tj ET Q q 0 0 0 rg BT 390.69 208.10 Td (from ) Tj ET Q q 0 0 0 rg BT 416.96 208.10 Td (3.50% ) Tj ET Q q 0 0 0 rg BT 450.91 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 463.19 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.80 208.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 507.07 208.10 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 547.33 208.10 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 193.70 Td (30+ ) Tj ET Q q 0 0 0 rg BT 72.20 193.70 Td (day ) Tj ET Q q 0 0 0 rg BT 92.96 193.70 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 155.04 193.70 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 173.02 199.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 176.92 193.70 Td ( ) Tj ET Q q 0 0 0 rg BT 180.36 193.70 Td (was ) Tj ET Q q 0 0 0 rg BT 202.45 193.70 Td (1.94%, ) Tj ET Q q 0 0 0 rg BT 239.88 193.70 Td (down ) Tj ET Q q 0 0 0 rg BT 269.98 193.70 Td (from ) Tj ET Q q 0 0 0 rg BT 296.74 193.70 Td (2.55% ) Tj ET Q q 0 0 0 rg BT 331.17 193.70 Td (in ) Tj ET Q q 0 0 0 rg BT 343.94 193.70 Td (the ) Tj ET Q q 0 0 0 rg BT 362.03 193.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 388.79 193.70 Td (year ) Tj ET Q q 0 0 0 rg BT 412.87 193.70 Td (and ) Tj ET Q q 0 0 0 rg BT 433.63 193.70 Td (2.10% ) Tj ET Q q 0 0 0 rg BT 468.06 193.70 Td (in ) Tj ET Q q 0 0 0 rg BT 480.83 193.70 Td (the ) Tj ET Q q 0 0 0 rg BT 498.92 193.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 525.68 193.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 559.00 193.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 179.30 Td (The ) Tj ET Q q 0 0 0 rg BT 70.81 179.30 Td (Auto ) Tj ET Q q 0 0 0 rg BT 97.57 179.30 Td (net ) Tj ET Q q 0 0 0 rg BT 114.99 179.30 Td (char) Tj ET Q q 0 0 0 rg BT 135.42 179.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 160.52 179.30 Td (f ) Tj ET Q q 0 0 0 rg BT 167.28 179.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 188.02 179.30 Td (was ) Tj ET Q q 0 0 0 rg BT 209.44 179.30 Td (0.32%, ) Tj ET Q q 0 0 0 rg BT 246.20 179.30 Td (up ) Tj ET Q q 0 0 0 rg BT 260.96 179.30 Td (from ) Tj ET Q q 0 0 0 rg BT 287.04 179.30 Td (0.28% ) Tj ET Q q 0 0 0 rg BT 320.80 179.30 Td (in ) Tj ET Q q 0 0 0 rg BT 332.89 179.30 Td (the ) Tj ET Q q 0 0 0 rg BT 350.31 179.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 376.40 179.30 Td (year ) Tj ET Q q 0 0 0 rg BT 399.81 179.30 Td (and ) Tj ET Q q 0 0 0 rg BT 419.89 179.30 Td (down ) Tj ET Q q 0 0 0 rg BT 449.32 179.30 Td (from ) Tj ET Q q 0 0 0 rg BT 475.40 179.30 Td (0.36% ) Tj ET Q q 0 0 0 rg BT 509.16 179.30 Td (in ) Tj ET Q q 0 0 0 rg BT 521.25 179.30 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 179.30 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 164.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 83.32 164.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 138.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.69 138.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 152.04 138.50 Td (was ) Tj ET Q q 0 0 0 rg BT 174.40 138.50 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 199.10 138.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 237.14 138.50 Td (a ) Tj ET Q q 0 0 0 rg BT 246.17 138.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 291.17 138.50 Td (of ) Tj ET Q q 0 0 0 rg BT 304.87 138.50 Td ($86 ) Tj ET Q q 0 0 0 rg BT 326.57 138.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 367.94 138.50 Td (or ) Tj ET Q q 0 0 0 rg BT 381.64 138.50 Td (4% ) Tj ET Q q 0 0 0 rg BT 401.33 138.50 Td (from ) Tj ET Q q 0 0 0 rg BT 428.36 138.50 Td (the ) Tj ET Q q 0 0 0 rg BT 446.72 138.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 473.75 138.50 Td (year) Tj ET Q q 0 0 0 rg BT 493.92 138.50 Td (, ) Tj ET Q q 0 0 0 rg BT 500.62 138.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 534.98 138.50 Td (by ) Tj ET Q q 0 0 0 rg BT 550.68 138.50 Td (an ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 91.65 124.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 136.62 124.10 Td (in ) Tj ET Q q 0 0 0 rg BT 148.95 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.61 124.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 192.94 124.10 Td (year ) Tj ET Q q 0 0 0 rg BT 216.59 124.10 Td (related ) Tj ET Q q 0 0 0 rg BT 252.23 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 264.56 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 272.89 124.10 Td (non-core ) Tj ET Q q 0 0 0 rg BT 318.54 124.10 Td (product.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 740.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 740.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 740.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 740.90 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 731.94 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 731.94 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 731.94 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 731.94 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 731.94 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 731.94 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 731.94 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 731.94 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 731.94 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 731.94 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.51 cm /I38 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 712.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 712.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 712.10 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 712.10 Td (33% ) Tj ET Q q 0 0 0 rg BT 234.31 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 712.10 Td ($15.5billion ) Tj ET Q q 0 0 0 rg BT 313.65 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 712.10 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 712.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 712.10 Td (capital. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 695.11 cm /I39 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 697.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 137.52 697.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 164.37 697.70 Td (average ) Tj ET Q q 0 0 0 rg BT 205.19 697.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 234.04 697.70 Td (were ) Tj ET Q q 0 0 0 rg BT 260.88 697.70 Td ($123.6billion, ) Tj ET Q q 0 0 0 rg BT 334.74 697.70 Td (down ) Tj ET Q q 0 0 0 rg BT 364.93 697.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 384.45 697.70 Td (from ) Tj ET Q q 0 0 0 rg BT 411.30 697.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.15 697.70 Td (year ) Tj ET Q q 0 0 0 rg BT 462.32 697.70 Td (and ) Tj ET Q q 0 0 0 rg BT 483.17 697.70 Td (1% ) Tj ET Q q 0 0 0 rg BT 502.69 697.70 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 683.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 683.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 683.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 683.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 666.31 cm /I40 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 668.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.31 668.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 149.93 668.90 Td (card ) Tj ET Q q 0 0 0 rg BT 173.89 668.90 Td (issuer ) Tj ET Q q 0 0 0 rg BT 205.20 668.90 Td (in ) Tj ET Q q 0 0 0 rg BT 217.84 668.90 Td (the ) Tj ET Q q 0 0 0 rg BT 235.81 668.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 260.46 668.90 Td (based ) Tj ET Q q 0 0 0 rg BT 291.09 668.90 Td (on ) Tj ET Q q 0 0 0 rg BT 306.40 668.90 Td (outstandings) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 367.07 674.34 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 370.97 668.90 Td (; ) Tj ET Q q 0 0 0 rg BT 377.61 668.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 392.92 668.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 428.65 668.90 Td (V) Tj ET Q q 0 0 0 rg BT 436.59 668.90 Td (isa ) Tj ET Q q 0 0 0 rg BT 453.23 668.90 Td (issuer) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 481.23 674.34 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 483.38 668.90 Td (based ) Tj ET Q q 0 0 0 rg BT 514.01 668.90 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 654.50 Td (consumer ) Tj ET Q q 0 0 0 rg BT 153.65 654.50 Td (and ) Tj ET Q q 0 0 0 rg BT 173.98 654.50 Td (business ) Tj ET Q q 0 0 0 rg BT 217.65 654.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 247.96 654.50 Td (card ) Tj ET Q q 0 0 0 rg BT 271.61 654.50 Td (sales ) Tj ET Q q 0 0 0 rg BT 297.94 654.50 Td (volume) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 333.93 659.94 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 337.83 654.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 340.83 659.94 Td ( ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 637.51 cm /I41 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 640.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 137.75 640.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 164.82 640.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 191.90 640.10 Td (volume) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 227.90 645.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 231.79 640.10 Td ( ) Tj ET Q q 0 0 0 rg BT 235.55 640.10 Td (was ) Tj ET Q q 0 0 0 rg BT 257.96 640.10 Td ($94.7billion, ) Tj ET Q q 0 0 0 rg BT 326.05 640.10 Td (up ) Tj ET Q q 0 0 0 rg BT 341.80 640.10 Td (9% ) Tj ET Q q 0 0 0 rg BT 361.55 640.10 Td (from ) Tj ET Q q 0 0 0 rg BT 388.62 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.04 640.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 434.11 640.10 Td (year ) Tj ET Q q 0 0 0 rg BT 458.51 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.59 640.10 Td (down ) Tj ET Q q 0 0 0 rg BT 510.01 640.10 Td (7% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 625.70 Td (from ) Tj ET Q q 0 0 0 rg BT 131.06 625.70 Td (the ) Tj ET Q q 0 0 0 rg BT 149.46 625.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 176.52 625.70 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 217.57 625.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 244.63 625.70 Td (Services ) Tj ET Q q 0 0 0 rg BT 289.02 625.70 Td (general ) Tj ET Q q 0 0 0 rg BT 328.06 625.70 Td (purpose ) Tj ET Q q 0 0 0 rg BT 369.79 625.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 400.84 625.70 Td (card ) Tj ET Q q 0 0 0 rg BT 425.22 625.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 452.28 625.70 Td (volume ) Tj ET Q q 0 0 0 rg BT 492.01 625.70 Td (growth ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 611.30 Td (has ) Tj ET Q q 0 0 0 rg BT 123.00 611.30 Td (outperformed ) Tj ET Q q 0 0 0 rg BT 191.30 611.30 Td (the ) Tj ET Q q 0 0 0 rg BT 208.96 611.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 251.30 611.30 Td (since ) Tj ET Q q 0 0 0 rg BT 278.96 611.30 Td (the ) Tj ET Q q 0 0 0 rg BT 296.62 611.30 Td (first ) Tj ET Q q 0 0 0 rg BT 318.95 611.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 355.92 611.30 Td (of ) Tj ET Q q 0 0 0 rg BT 368.92 611.30 Td (2008.) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 395.92 616.74 Td (2 ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 594.31 cm /I42 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 596.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 130.26 596.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 173.85 596.90 Td (net ) Tj ET Q q 0 0 0 rg BT 191.45 596.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.36 596.90 Td (as ) Tj ET Q q 0 0 0 rg BT 245.29 596.90 Td (a ) Tj ET Q q 0 0 0 rg BT 253.56 596.90 Td (percentage ) Tj ET Q q 0 0 0 rg BT 308.46 596.90 Td (of ) Tj ET Q q 0 0 0 rg BT 321.39 596.90 Td (average ) Tj ET Q q 0 0 0 rg BT 361.63 596.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 389.89 596.90 Td (was ) Tj ET Q q 0 0 0 rg BT 411.49 596.90 Td (12.83%, ) Tj ET Q q 0 0 0 rg BT 454.43 596.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 504.67 596.90 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 582.50 Td (12.22% ) Tj ET Q q 0 0 0 rg BT 144.00 582.50 Td (in ) Tj ET Q q 0 0 0 rg BT 156.33 582.50 Td (the ) Tj ET Q q 0 0 0 rg BT 173.99 582.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.32 582.50 Td (year ) Tj ET Q q 0 0 0 rg BT 223.96 582.50 Td (and ) Tj ET Q q 0 0 0 rg BT 244.29 582.50 Td (12.82% ) Tj ET Q q 0 0 0 rg BT 284.29 582.50 Td (in ) Tj ET Q q 0 0 0 rg BT 296.62 582.50 Td (the ) Tj ET Q q 0 0 0 rg BT 314.28 582.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.61 582.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 373.92 582.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 565.51 cm /I43 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 568.10 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 153.27 568.10 Td (processing ) Tj ET Q q 0 0 0 rg BT 207.88 568.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 247.17 568.10 Td (was ) Tj ET Q q 0 0 0 rg BT 269.12 568.10 Td ($175.8 ) Tj ET Q q 0 0 0 rg BT 305.41 568.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 343.03 568.10 Td (up ) Tj ET Q q 0 0 0 rg BT 358.32 568.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 383.61 568.10 Td (from ) Tj ET Q q 0 0 0 rg BT 410.23 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.18 568.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 454.79 568.10 Td (year ) Tj ET Q q 0 0 0 rg BT 478.73 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.35 568.10 Td (down ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 553.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 122.60 553.70 Td (from ) Tj ET Q q 0 0 0 rg BT 148.52 553.70 Td (the ) Tj ET Q q 0 0 0 rg BT 165.78 553.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 191.71 553.70 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 231.62 553.70 Td (total ) Tj ET Q q 0 0 0 rg BT 255.55 553.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 315.47 553.70 Td (processed ) Tj ET Q q 0 0 0 rg BT 365.38 553.70 Td (were ) Tj ET Q q 0 0 0 rg BT 391.30 553.70 Td (8.3billion, ) Tj ET Q q 0 0 0 rg BT 446.23 553.70 Td (up ) Tj ET Q q 0 0 0 rg BT 460.83 553.70 Td (22% ) Tj ET Q q 0 0 0 rg BT 485.43 553.70 Td (from ) Tj ET Q q 0 0 0 rg BT 511.35 553.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 539.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 539.30 Td (year ) Tj ET Q q 0 0 0 rg BT 153.97 539.30 Td (and ) Tj ET Q q 0 0 0 rg BT 174.30 539.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 193.30 539.30 Td (from ) Tj ET Q q 0 0 0 rg BT 219.62 539.30 Td (the ) Tj ET Q q 0 0 0 rg BT 237.28 539.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 263.61 539.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 296.93 539.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 522.31 cm /I44 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 524.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 524.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.69 524.90 Td (auto ) Tj ET Q q 0 0 0 rg BT 170.29 524.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 198.56 524.90 Td (were ) Tj ET Q q 0 0 0 rg BT 224.81 524.90 Td ($50.0 ) Tj ET Q q 0 0 0 rg BT 254.75 524.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 292.02 524.90 Td (up ) Tj ET Q q 0 0 0 rg BT 306.96 524.90 Td (5% ) Tj ET Q q 0 0 0 rg BT 325.89 524.90 Td (from ) Tj ET Q q 0 0 0 rg BT 352.16 524.90 Td (the ) Tj ET Q q 0 0 0 rg BT 369.76 524.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 396.02 524.90 Td (year ) Tj ET Q q 0 0 0 rg BT 419.61 524.90 Td (and ) Tj ET Q q 0 0 0 rg BT 439.87 524.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 458.81 524.90 Td (from ) Tj ET Q q 0 0 0 rg BT 485.07 524.90 Td (the ) Tj ET Q q 0 0 0 rg BT 502.67 524.90 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 510.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 510.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 493.51 cm /I45 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 496.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 131.03 496.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 191.39 496.10 Td (were ) Tj ET Q q 0 0 0 rg BT 217.73 496.10 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 241.76 496.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 279.13 496.10 Td (up ) Tj ET Q q 0 0 0 rg BT 294.15 496.10 Td (12% ) Tj ET Q q 0 0 0 rg BT 319.18 496.10 Td (from ) Tj ET Q q 0 0 0 rg BT 345.54 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.22 496.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 389.58 496.10 Td (year ) Tj ET Q q 0 0 0 rg BT 413.26 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.61 496.10 Td (18% ) Tj ET Q q 0 0 0 rg BT 458.64 496.10 Td (from ) Tj ET Q q 0 0 0 rg BT 484.99 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 502.68 496.10 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 481.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 481.70 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 453.30 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 453.30 Td (TE & INVESTMENT BANK \(CIB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 432 m 50.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 432 m 231.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 432 m 231.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 432 m 276.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 432 m 280.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 432 m 280.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 432 m 325.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 432 m 329.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 432 m 329.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 432 m 374.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 432 m 378.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 432 m 378.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 432 m 423.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 417 m 423.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 432 m 468.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 417 m 468.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 432 m 472.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 417 m 472.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 432 m 472.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 432 m 517.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 417 m 517.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 432 m 562.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 432 m 562.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 417 m 562.5 417 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 417 m 50.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 402 m 231.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 417 m 231.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 402 m 276.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 402 m 280.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 417 m 280.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 402 m 325.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 402 m 329.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 417 m 329.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 402 m 374.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 402 m 378.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 417 m 378.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 402 m 423.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 417 m 423.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 402 m 468.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 402 m 472.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 417 m 472.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 402 m 517.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 417 m 517.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 417 m 562.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 402 m 562.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 402 m 50.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 387 m 231.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 402 m 231.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 387 m 276.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 387 m 280.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 402 m 280.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 387 m 325.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 387 m 329.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 402 m 329.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 387 m 374.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 387 m 378.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 402 m 378.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 387 m 423.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 402 m 423.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 387 m 468.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 387 m 472.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 402 m 472.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 387 m 517.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 402 m 517.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 402 m 562.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 387 m 562.5 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 387 m 50.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 372 m 231.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 387 m 231.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 372 m 276.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 372 m 280.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 387 m 280.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 372 m 325.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 372 m 329.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 387 m 329.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 372 m 374.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 372 m 378.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 387 m 378.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 372 m 423.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 387 m 423.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 372 m 468.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 372 m 472.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 387 m 472.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 372 m 517.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 387 m 517.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 387 m 562.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 372 m 562.5 372 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 372 m 50.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 357 m 231.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 372 m 231.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 357 m 276.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 357 m 280.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 372 m 280.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 357 m 325.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 357 m 329.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 372 m 329.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 357 m 374.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 357 m 378.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 372 m 378.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 357 m 423.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 372 m 423.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 357 m 468.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 357 m 472.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 372 m 472.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 357 m 517.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 372 m 517.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 372 m 562.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 357 m 562.5 357 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 357 m 50.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 342 m 231.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 357 m 231.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 342 m 276.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 342 m 280.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 357 m 280.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 342 m 325.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 342 m 329.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 357 m 329.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 342 m 374.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 342 m 378.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 357 m 378.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 342 m 423.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 357 m 423.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 342 m 468.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 342 m 472.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 357 m 472.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 342 m 517.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 357 m 517.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 357 m 562.5 342 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 342 m 562.5 342 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 421.87 Td (Results for CIB) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 421.87 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 421.87 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 406.87 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 406.87 Td (1Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 406.87 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 406.87 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 406.87 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 406.87 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 406.87 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 406.87 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 391.87 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 391.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 391.87 Td (10,140) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 391.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 391.87 Td (7,642) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 391.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 391.87 Td (9,338) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 391.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 394.50 391.87 Td (2,498) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.80 391.87 Td (33) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 391.87 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 391.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 391.87 Td (802) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 547.30 391.87 Td (9) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 391.87 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 376.87 Td (ProvisionforCreditLosses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 261.25 376.87 Td (11) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 301.10 376.87 Td (\(445) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 376.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 361.10 376.87 Td (\(3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 370.30 376.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 376.87 Td (456) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 376.87 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 502.25 376.87 Td (14) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 376.87 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 361.87 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 361.87 Td (6,111) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 361.87 Td (4,996) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 361.87 Td (6,211) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 394.50 361.87 Td (1,115) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.80 361.87 Td (22) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 361.87 Td (\(100) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 361.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 543.60 361.87 Td (\(2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 361.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 346.87 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 346.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 346.87 Td (2,610) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 346.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 346.87 Td (2,005) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 346.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 346.87 Td (2,033) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 346.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 346.87 Td (605) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.80 346.87 Td (30) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 346.87 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 346.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 346.87 Td (577) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 346.87 Td (28) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 346.87 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 313.70 Td (Discussion of Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 299.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.43 299.30 Td (income ) Tj ET Q q 0 0 0 rg BT 106.85 299.30 Td (was ) Tj ET Q q 0 0 0 rg BT 127.62 299.30 Td ($2.6billion, ) Tj ET Q q 0 0 0 rg BT 188.06 299.30 Td (up ) Tj ET Q q 0 0 0 rg BT 202.16 299.30 Td (28% ) Tj ET Q q 0 0 0 rg BT 226.26 299.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 275.67 299.30 Td (with ) Tj ET Q q 0 0 0 rg BT 299.11 299.30 Td (the ) Tj ET Q q 0 0 0 rg BT 315.88 299.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 341.30 299.30 Td (year) Tj ET Q q 0 0 0 rg BT 361.29 299.30 Td (. ) Tj ET Q q 0 0 0 rg BT 366.24 299.30 Td (These ) Tj ET Q q 0 0 0 rg BT 397.00 299.30 Td (results ) Tj ET Q q 0 0 0 rg BT 430.43 299.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 474.50 299.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 507.26 299.30 Td (net ) Tj ET Q q 0 0 0 rg BT 524.02 299.30 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 284.90 Td (and ) Tj ET Q q 0 0 0 rg BT 70.17 284.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 100.33 284.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 156.50 284.90 Td (expense. ) Tj ET Q q 0 0 0 rg BT 200.99 284.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 221.16 284.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 261.98 284.90 Td (was ) Tj ET Q q 0 0 0 rg BT 283.48 284.90 Td ($10.1billion, ) Tj ET Q q 0 0 0 rg BT 350.66 284.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 400.81 284.90 Td (with ) Tj ET Q q 0 0 0 rg BT 424.99 284.90 Td ($9.3billion ) Tj ET Q q 0 0 0 rg BT 483.17 284.90 Td (in ) Tj ET Q q 0 0 0 rg BT 495.35 284.90 Td (the ) Tj ET Q q 0 0 0 rg BT 512.85 284.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.02 284.90 Td (year) Tj ET Q q 0 0 0 rg BT 559.01 284.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 270.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.71 270.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.06 270.50 Td (included ) Tj ET Q q 0 0 0 rg BT 153.76 270.50 Td (a ) Tj ET Q q 0 0 0 rg BT 161.46 270.50 Td ($126 ) Tj ET Q q 0 0 0 rg BT 187.84 270.50 Td (million ) Tj ET Q q 0 0 0 rg BT 224.89 270.50 Td (gain ) Tj ET Q q 0 0 0 rg BT 247.93 270.50 Td (from ) Tj ET Q q 0 0 0 rg BT 273.63 270.50 Td (debit ) Tj ET Q q 0 0 0 rg BT 300.01 270.50 Td (valuation ) Tj ET Q q 0 0 0 rg BT 347.04 270.50 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 406.75 270.50 Td (\(DV) Tj ET Q q 0 0 0 rg BT 431.86 270.50 Td (A\) ) Tj ET Q q 0 0 0 rg BT 452.22 270.50 Td (on ) Tj ET Q q 0 0 0 rg BT 466.60 270.50 Td (structured ) Tj ET Q q 0 0 0 rg BT 516.96 270.50 Td (notes ) Tj ET Q q 0 0 0 rg BT 544.67 270.50 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 101.06 256.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 148.80 256.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 193.88 256.10 Td (from ) Tj ET Q q 0 0 0 rg BT 220.29 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.03 256.10 Td (widening ) Tj ET Q q 0 0 0 rg BT 285.77 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.85 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.59 256.10 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 349.84 256.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 380.24 256.10 Td (spreads; ) Tj ET Q q 0 0 0 rg BT 422.64 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.39 256.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.79 256.10 Td (year ) Tj ET Q q 0 0 0 rg BT 490.53 256.10 Td (included ) Tj ET Q q 0 0 0 rg BT 534.93 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 543.34 256.10 Td (loss ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 241.70 Td (from ) Tj ET Q q 0 0 0 rg BT 75.86 241.70 Td (DV) Tj ET Q q 0 0 0 rg BT 91.65 241.70 Td (A) Tj ET Q q 0 0 0 rg BT 99.65 241.70 Td ( ) Tj ET Q q 0 0 0 rg BT 102.19 241.70 Td (of ) Tj ET Q q 0 0 0 rg BT 114.72 241.70 Td ($907 ) Tj ET Q q 0 0 0 rg BT 141.25 241.70 Td (million. ) Tj ET Q q 0 0 0 rg BT 181.46 241.70 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 233.32 241.70 Td (the ) Tj ET Q q 0 0 0 rg BT 250.52 241.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 285.71 241.70 Td (of ) Tj ET Q q 0 0 0 rg BT 298.24 241.70 Td (DV) Tj ET Q q 0 0 0 rg BT 314.02 241.70 Td (A, ) Tj ET Q q 0 0 0 rg BT 328.22 241.70 Td (net ) Tj ET Q q 0 0 0 rg BT 345.42 241.70 Td (income ) Tj ET Q q 0 0 0 rg BT 383.28 241.70 Td (was ) Tj ET Q q 0 0 0 rg BT 404.47 241.70 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 428.01 241.70 Td (billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 459.34 247.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 463.24 241.70 Td ( ) Tj ET Q q 0 0 0 rg BT 465.78 241.70 Td (and ) Tj ET Q q 0 0 0 rg BT 485.64 241.70 Td (net ) Tj ET Q q 0 0 0 rg BT 502.84 241.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 543.35 241.70 Td (was ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 227.30 Td ($10.0 ) Tj ET Q q 0 0 0 rg BT 80.00 227.30 Td (billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 111.34 232.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 115.24 227.30 Td (, ) Tj ET Q q 0 0 0 rg BT 121.24 227.30 Td (both ) Tj ET Q q 0 0 0 rg BT 145.57 227.30 Td (down ) Tj ET Q q 0 0 0 rg BT 175.24 227.30 Td (2% ) Tj ET Q q 0 0 0 rg BT 194.23 227.30 Td (from ) Tj ET Q q 0 0 0 rg BT 220.56 227.30 Td (the ) Tj ET Q q 0 0 0 rg BT 238.22 227.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 264.54 227.30 Td (year) Tj ET Q q 0 0 0 rg BT 284.53 227.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 200.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 94.45 200.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 136.21 200.90 Td (was ) Tj ET Q q 0 0 0 rg BT 158.66 200.90 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 183.44 200.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 221.56 200.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 272.66 200.90 Td (with ) Tj ET Q q 0 0 0 rg BT 297.78 200.90 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 322.56 200.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 357.68 200.90 Td (in ) Tj ET Q q 0 0 0 rg BT 370.80 200.90 Td (the ) Tj ET Q q 0 0 0 rg BT 389.25 200.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 416.36 200.90 Td (year) Tj ET Q q 0 0 0 rg BT 436.34 200.90 Td (. ) Tj ET Q q 0 0 0 rg BT 443.13 200.90 Td (Investment ) Tj ET Q q 0 0 0 rg BT 500.23 200.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 542.68 200.90 Td (fees ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 186.50 Td (were ) Tj ET Q q 0 0 0 rg BT 75.95 186.50 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 99.59 186.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 133.57 186.50 Td (\(up ) Tj ET Q q 0 0 0 rg BT 152.21 186.50 Td (4%\), ) Tj ET Q q 0 0 0 rg BT 177.84 186.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 211.13 186.50 Td (by ) Tj ET Q q 0 0 0 rg BT 225.77 186.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 259.07 186.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 282.37 186.50 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 346.99 186.50 Td (fees ) Tj ET Q q 0 0 0 rg BT 368.95 186.50 Td (totaling ) Tj ET Q q 0 0 0 rg BT 408.25 186.50 Td ($905 ) Tj ET Q q 0 0 0 rg BT 434.89 186.50 Td (million ) Tj ET Q q 0 0 0 rg BT 472.20 186.50 Td (\(up ) Tj ET Q q 0 0 0 rg BT 490.84 186.50 Td (1) Tj ET Q q 0 0 0 rg BT 496.39 186.50 Td (1%\), ) Tj ET Q q 0 0 0 rg BT 522.03 186.50 Td (partially ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 172.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 80.24 172.10 Td (by ) Tj ET Q q 0 0 0 rg BT 95.37 172.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 125.83 172.10 Td (advisory ) Tj ET Q q 0 0 0 rg BT 170.29 172.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 192.74 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.87 172.10 Td ($255million ) Tj ET Q q 0 0 0 rg BT 270.67 172.10 Td (\(down ) Tj ET Q q 0 0 0 rg BT 304.47 172.10 Td (9%\); ) Tj ET Q q 0 0 0 rg BT 330.93 172.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 364.05 172.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 429.17 172.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 451.63 172.10 Td (were ) Tj ET Q q 0 0 0 rg BT 478.07 172.10 Td ($273 ) Tj ET Q q 0 0 0 rg BT 505.21 172.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 546.01 172.10 Td (flat ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 157.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 99.94 157.70 Td (with ) Tj ET Q q 0 0 0 rg BT 123.91 157.70 Td (the ) Tj ET Q q 0 0 0 rg BT 141.20 157.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 167.16 157.70 Td (year) Tj ET Q q 0 0 0 rg BT 187.14 157.70 Td (. ) Tj ET Q q 0 0 0 rg BT 192.59 157.70 Td (T) Tj ET Q q 0 0 0 rg BT 199.49 157.70 Td (reasury ) Tj ET Q q 0 0 0 rg BT 237.44 157.70 Td (Services ) Tj ET Q q 0 0 0 rg BT 280.73 157.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 321.33 157.70 Td (was ) Tj ET Q q 0 0 0 rg BT 342.63 157.70 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 366.26 157.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 403.23 157.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 421.85 157.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 471.79 157.70 Td (with ) Tj ET Q q 0 0 0 rg BT 495.76 157.70 Td (the ) Tj ET Q q 0 0 0 rg BT 513.05 157.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.01 157.70 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 157.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 143.30 Td (Lending ) Tj ET Q q 0 0 0 rg BT 94.01 143.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 136.00 143.30 Td (was ) Tj ET Q q 0 0 0 rg BT 158.68 143.30 Td ($498million, ) Tj ET Q q 0 0 0 rg BT 227.37 143.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 278.70 143.30 Td (with ) Tj ET Q q 0 0 0 rg BT 304.05 143.30 Td ($222 ) Tj ET Q q 0 0 0 rg BT 332.07 143.30 Td (million ) Tj ET Q q 0 0 0 rg BT 370.75 143.30 Td (in ) Tj ET Q q 0 0 0 rg BT 384.11 143.30 Td (the ) Tj ET Q q 0 0 0 rg BT 402.78 143.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 430.13 143.30 Td (year) Tj ET Q q 0 0 0 rg BT 450.30 143.30 Td (, ) Tj ET Q q 0 0 0 rg BT 457.31 143.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 491.99 143.30 Td (by ) Tj ET Q q 0 0 0 rg BT 508.01 143.30 Td (net ) Tj ET Q q 0 0 0 rg BT 526.69 143.30 Td (interest ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 128.90 Td (income ) Tj ET Q q 0 0 0 rg BT 88.47 128.90 Td (on ) Tj ET Q q 0 0 0 rg BT 103.61 128.90 Td (retained ) Tj ET Q q 0 0 0 rg BT 145.40 128.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 173.87 128.90 Td (and ) Tj ET Q q 0 0 0 rg BT 194.34 128.90 Td (fees ) Tj ET Q q 0 0 0 rg BT 216.81 128.90 Td (on ) Tj ET Q q 0 0 0 rg BT 231.95 128.90 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 307.73 128.90 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 379.20 128.90 Td (as ) Tj ET Q q 0 0 0 rg BT 392.34 128.90 Td (well ) Tj ET Q q 0 0 0 rg BT 416.15 128.90 Td (as ) Tj ET Q q 0 0 0 rg BT 429.29 128.90 Td (gains ) Tj ET Q q 0 0 0 rg BT 457.76 128.90 Td (on ) Tj ET Q q 0 0 0 rg BT 472.91 128.90 Td (securities ) Tj ET Q q 0 0 0 rg BT 521.37 128.90 Td (received ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 114.50 Td (from ) Tj ET Q q 0 0 0 rg BT 76.33 114.50 Td (restructured ) Tj ET Q q 0 0 0 rg BT 136.63 114.50 Td (loans.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 92.06 88.10 Td (& ) Tj ET Q q 0 0 0 rg BT 104.12 88.10 Td (Investor ) Tj ET Q q 0 0 0 rg BT 146.18 88.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 189.56 88.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 230.27 88.10 Td (was ) Tj ET Q q 0 0 0 rg BT 251.67 88.10 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 275.40 88.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 312.47 88.10 Td (up ) Tj ET Q q 0 0 0 rg BT 327.20 88.10 Td (7% ) Tj ET Q q 0 0 0 rg BT 345.93 88.10 Td (from ) Tj ET Q q 0 0 0 rg BT 371.99 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.39 88.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 415.45 88.10 Td (year) Tj ET Q q 0 0 0 rg BT 435.43 88.10 Td (. ) Tj ET Q q 0 0 0 rg BT 441.17 88.10 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 471.23 88.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 509.95 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.01 88.10 Td (Equity ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 73.70 Td (Markets ) Tj ET Q q 0 0 0 rg BT 92.63 73.70 Td (combined ) Tj ET Q q 0 0 0 rg BT 143.26 73.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 184.54 73.70 Td (was ) Tj ET Q q 0 0 0 rg BT 206.51 73.70 Td ($6.1billion, ) Tj ET Q q 0 0 0 rg BT 268.15 73.70 Td (down ) Tj ET Q q 0 0 0 rg BT 298.13 73.70 Td (5% ) Tj ET Q q 0 0 0 rg BT 317.43 73.70 Td (from ) Tj ET Q q 0 0 0 rg BT 344.06 73.70 Td (the ) Tj ET Q q 0 0 0 rg BT 362.03 73.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 388.67 73.70 Td (year) Tj ET Q q 0 0 0 rg BT 408.83 73.70 Td (, ) Tj ET Q q 0 0 0 rg BT 415.14 73.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 464.42 73.70 Td (solid ) Tj ET Q q 0 0 0 rg BT 491.07 73.70 Td (client ) Tj ET Q q 0 0 0 rg BT 521.03 73.70 Td (revenue, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 59.30 Td (but ) Tj ET Q q 0 0 0 rg BT 68.23 59.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 98.45 59.30 Td (rates ) Tj ET Q q 0 0 0 rg BT 123.99 59.30 Td (product ) Tj ET Q q 0 0 0 rg BT 163.54 59.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 204.41 59.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 254.62 59.30 Td (with ) Tj ET Q q 0 0 0 rg BT 278.84 59.30 Td (a ) Tj ET Q q 0 0 0 rg BT 287.06 59.30 Td (particularly ) Tj ET Q q 0 0 0 rg BT 345.27 59.30 Td (strong ) Tj ET Q q 0 0 0 rg BT 378.16 59.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 404.38 59.30 Td (year) Tj ET Q q 0 0 0 rg BT 424.37 59.30 Td (. ) Tj ET Q q 0 0 0 rg BT 430.26 59.30 Td (Securities ) Tj ET Q q 0 0 0 rg BT 480.48 59.30 Td (Services ) Tj ET Q q 0 0 0 rg BT 524.02 59.30 Td (revenue ) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 71.48 740.70 Td ($974 ) Tj ET Q q 0 0 0 rg BT 98.30 740.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 138.78 740.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 157.59 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 183.73 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 201.21 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 227.35 740.70 Td (year) Tj ET Q q 0 0 0 rg BT 247.34 740.70 Td (. ) Tj ET Q q 0 0 0 rg BT 253.16 740.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 285.35 740.70 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 348.83 740.70 Td (& ) Tj ET Q q 0 0 0 rg BT 360.98 740.70 Td (Other ) Tj ET Q q 0 0 0 rg BT 391.12 740.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 431.91 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 453.39 740.70 Td ($99 ) Tj ET Q q 0 0 0 rg BT 474.21 740.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 514.69 740.70 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 82.66 726.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 104.33 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 117.33 726.30 Td ($713 ) Tj ET Q q 0 0 0 rg BT 144.33 726.30 Td (million ) Tj ET Q q 0 0 0 rg BT 182.00 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 194.33 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 211.99 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 238.32 726.30 Td (year; ) Tj ET Q q 0 0 0 rg BT 265.30 726.30 Td (both ) Tj ET Q q 0 0 0 rg BT 289.64 726.30 Td (periods ) Tj ET Q q 0 0 0 rg BT 327.96 726.30 Td (were ) Tj ET Q q 0 0 0 rg BT 354.28 726.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 387.93 726.30 Td (by ) Tj ET Q q 0 0 0 rg BT 402.93 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 420.59 726.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 456.25 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 469.24 726.30 Td (DV) Tj ET Q q 0 0 0 rg BT 485.03 726.30 Td (A.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 699.90 Td (The ) Tj ET Q q 0 0 0 rg BT 71.33 699.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.33 699.90 Td (for ) Tj ET Q q 0 0 0 rg BT 136.00 699.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 165.99 699.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.33 699.90 Td (was ) Tj ET Q q 0 0 0 rg BT 218.66 699.90 Td ($1) Tj ET Q q 0 0 0 rg BT 230.22 699.90 Td (1 ) Tj ET Q q 0 0 0 rg BT 238.89 699.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 279.23 699.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 329.21 699.90 Td (with ) Tj ET Q q 0 0 0 rg BT 353.22 699.90 Td (a ) Tj ET Q q 0 0 0 rg BT 361.21 699.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 397.20 699.90 Td (in ) Tj ET Q q 0 0 0 rg BT 409.21 699.90 Td (the ) Tj ET Q q 0 0 0 rg BT 426.54 699.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 452.54 699.90 Td (year ) Tj ET Q q 0 0 0 rg BT 475.86 699.90 Td (of ) Tj ET Q q 0 0 0 rg BT 488.53 699.90 Td ($3 ) Tj ET Q q 0 0 0 rg BT 503.20 699.90 Td (million. ) Tj ET Q q 0 0 0 rg BT 543.35 699.90 Td (The ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 685.50 Td (ratio ) Tj ET Q q 0 0 0 rg BT 75.30 685.50 Td (of ) Tj ET Q q 0 0 0 rg BT 88.60 685.50 Td (the ) Tj ET Q q 0 0 0 rg BT 106.57 685.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 158.52 685.50 Td (for ) Tj ET Q q 0 0 0 rg BT 175.82 685.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.79 685.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 231.77 685.50 Td (to ) Tj ET Q q 0 0 0 rg BT 244.41 685.50 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 313.69 685.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 342.33 685.50 Td (retained ) Tj ET Q q 0 0 0 rg BT 384.28 685.50 Td (was ) Tj ET Q q 0 0 0 rg BT 406.26 685.50 Td (1.1) Tj ET Q q 0 0 0 rg BT 420.81 685.50 Td (1%, ) Tj ET Q q 0 0 0 rg BT 443.12 685.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 493.73 685.50 Td (with ) Tj ET Q q 0 0 0 rg BT 518.38 685.50 Td (1.34% ) Tj ET Q q 0 0 0 rg BT 552.68 685.50 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 671.10 Td (the ) Tj ET Q q 0 0 0 rg BT 66.69 671.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 92.06 671.10 Td (year) Tj ET Q q 0 0 0 rg BT 112.04 671.10 Td (. ) Tj ET Q q 0 0 0 rg BT 117.08 671.10 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 168.44 671.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.13 671.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 219.82 671.10 Td (of ) Tj ET Q q 0 0 0 rg BT 231.85 671.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.54 671.10 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 315.24 671.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.27 671.10 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 418.62 671.10 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 475.97 671.10 Td (conduits ) Tj ET Q q 0 0 0 rg BT 518.67 671.10 Td (and ) Tj ET Q q 0 0 0 rg BT 538.03 671.10 Td (trade ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 656.70 Td (finance ) Tj ET Q q 0 0 0 rg BT 87.31 656.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 117.63 656.70 Td (the ) Tj ET Q q 0 0 0 rg BT 134.29 656.70 Td (ratio ) Tj ET Q q 0 0 0 rg BT 158.28 656.70 Td (of ) Tj ET Q q 0 0 0 rg BT 170.27 656.70 Td (the ) Tj ET Q q 0 0 0 rg BT 186.92 656.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 237.56 656.70 Td (for ) Tj ET Q q 0 0 0 rg BT 253.55 656.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 276.21 656.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 306.87 656.70 Td (to ) Tj ET Q q 0 0 0 rg BT 318.20 656.70 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 386.17 656.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 413.50 656.70 Td (retained) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 452.14 662.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 456.04 656.70 Td ( ) Tj ET Q q 0 0 0 rg BT 458.04 656.70 Td (was ) Tj ET Q q 0 0 0 rg BT 478.69 656.70 Td (2.17%, ) Tj ET Q q 0 0 0 rg BT 514.69 656.70 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 642.30 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 642.30 Td (2.93% ) Tj ET Q q 0 0 0 rg BT 108.33 642.30 Td (in ) Tj ET Q q 0 0 0 rg BT 120.66 642.30 Td (the ) Tj ET Q q 0 0 0 rg BT 138.32 642.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 164.65 642.30 Td (year) Tj ET Q q 0 0 0 rg BT 184.64 642.30 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 615.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.72 615.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.10 615.90 Td (was ) Tj ET Q q 0 0 0 rg BT 171.49 615.90 Td ($6.1 ) Tj ET Q q 0 0 0 rg BT 195.22 615.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.29 615.90 Td (down ) Tj ET Q q 0 0 0 rg BT 261.68 615.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 280.41 615.90 Td (from ) Tj ET Q q 0 0 0 rg BT 306.46 615.90 Td (the ) Tj ET Q q 0 0 0 rg BT 323.86 615.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 349.91 615.90 Td (year) Tj ET Q q 0 0 0 rg BT 370.08 615.90 Td (, ) Tj ET Q q 0 0 0 rg BT 375.81 615.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 409.20 615.90 Td (by ) Tj ET Q q 0 0 0 rg BT 423.93 615.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 453.98 615.90 Td (compensation ) Tj ET Q q 0 0 0 rg BT 523.36 615.90 Td (expense ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 601.50 Td (and ) Tj ET Q q 0 0 0 rg BT 72.14 601.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 104.28 601.50 Td (noncompensation ) Tj ET Q q 0 0 0 rg BT 193.75 601.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 237.22 601.50 Td (related ) Tj ET Q q 0 0 0 rg BT 274.68 601.50 Td (to ) Tj ET Q q 0 0 0 rg BT 288.83 601.50 Td (ef) Tj ET Q q 0 0 0 rg BT 297.93 601.50 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 341.39 601.50 Td (initiatives, ) Tj ET Q q 0 0 0 rg BT 396.54 601.50 Td (lar) Tj ET Q q 0 0 0 rg BT 408.98 601.50 Td (gely ) Tj ET Q q 0 0 0 rg BT 434.45 601.50 Td (of) Tj ET Q q 0 0 0 rg BT 444.23 601.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 466.38 601.50 Td (by ) Tj ET Q q 0 0 0 rg BT 483.19 601.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 518.67 601.50 Td (litigation ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 587.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 94.43 587.10 Td (The ) Tj ET Q q 0 0 0 rg BT 116.09 587.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 185.74 587.10 Td (ratio) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 207.73 592.54 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 209.68 587.10 Td (for ) Tj ET Q q 0 0 0 rg BT 226.67 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.33 587.10 Td (current ) Tj ET Q q 0 0 0 rg BT 281.31 587.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 318.29 587.10 Td (was ) Tj ET Q q 0 0 0 rg BT 339.95 587.10 Td (34%, ) Tj ET Q q 0 0 0 rg BT 367.95 587.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 418.27 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.93 587.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 471.58 587.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.58 587.10 Td (DV) Tj ET Q q 0 0 0 rg BT 500.36 587.10 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 509.03 592.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 512.93 587.10 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 560.70 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 560.70 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 560.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 560.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 560.70 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 551.74 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 551.74 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 551.74 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 551.74 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 551.74 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 551.74 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 551.74 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 551.74 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 551.74 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 551.74 Td (noted, ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 257.31 551.74 Td (and ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 271.40 551.74 Td (all ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 281.58 551.74 Td (rankings ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 312.14 551.74 Td (are ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 324.49 551.74 Td (according ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 358.50 551.74 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 366.51 551.74 Td (Dealogic\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 529.31 cm /I46 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 531.90 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 144.77 531.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 160.88 531.90 Td (in ) Tj ET Q q 0 0 0 rg BT 174.32 531.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 211.09 531.90 Td (Investment ) Tj ET Q q 0 0 0 rg BT 268.52 531.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 313.30 531.90 Td (Fees ) Tj ET Q q 0 0 0 rg BT 339.40 531.90 Td (for ) Tj ET Q q 0 0 0 rg BT 357.51 531.90 Td (the ) Tj ET Q q 0 0 0 rg BT 376.28 531.90 Td (three ) Tj ET Q q 0 0 0 rg BT 404.37 531.90 Td (months ) Tj ET Q q 0 0 0 rg BT 443.82 531.90 Td (ended ) Tj ET Q q 0 0 0 rg BT 476.58 531.90 Td (March ) Tj ET Q q 0 0 0 rg BT 512.01 531.90 Td (31, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 517.50 Td (2013.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 500.51 cm /I47 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 503.10 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.55 503.10 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.44 503.10 Td (in ) Tj ET Q q 0 0 0 rg BT 170.67 503.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 206.22 503.10 Td (Debt, ) Tj ET Q q 0 0 0 rg BT 235.44 503.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 270.33 503.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.55 503.10 Td (Equity-related; ) Tj ET Q q 0 0 0 rg BT 365.42 503.10 Td (#1 ) Tj ET Q q 0 0 0 rg BT 380.31 503.10 Td (in ) Tj ET Q q 0 0 0 rg BT 392.54 503.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 428.09 503.10 Td (Long-T) Tj ET Q q 0 0 0 rg BT 463.91 503.10 Td (erm ) Tj ET Q q 0 0 0 rg BT 485.46 503.10 Td (Debt; ) Tj ET Q q 0 0 0 rg BT 515.01 503.10 Td (#1 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 488.70 Td (in ) Tj ET Q q 0 0 0 rg BT 115.73 488.70 Td (Global ) Tj ET Q q 0 0 0 rg BT 150.79 488.70 Td (Syndicated ) Tj ET Q q 0 0 0 rg BT 206.51 488.70 Td (Loans; ) Tj ET Q q 0 0 0 rg BT 241.57 488.70 Td (#1 ) Tj ET Q q 0 0 0 rg BT 255.97 488.70 Td (in ) Tj ET Q q 0 0 0 rg BT 267.71 488.70 Td (Global ) Tj ET Q q 0 0 0 rg BT 302.23 488.70 Td (Announced ) Tj ET Q q 0 0 0 rg BT 359.95 488.70 Td (M&A; ) Tj ET Q q 0 0 0 rg BT 394.36 488.70 Td (and ) Tj ET Q q 0 0 0 rg BT 414.08 488.70 Td (#6 ) Tj ET Q q 0 0 0 rg BT 428.48 488.70 Td (in ) Tj ET Q q 0 0 0 rg BT 440.21 488.70 Td (Global ) Tj ET Q q 0 0 0 rg BT 475.27 488.70 Td (Equity ) Tj ET Q q 0 0 0 rg BT 509.67 488.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 474.30 Td (Equity-related, ) Tj ET Q q 0 0 0 rg BT 178.64 474.30 Td (based ) Tj ET Q q 0 0 0 rg BT 208.96 474.30 Td (on ) Tj ET Q q 0 0 0 rg BT 223.96 474.30 Td (volume, ) Tj ET Q q 0 0 0 rg BT 265.95 474.30 Td (for ) Tj ET Q q 0 0 0 rg BT 282.95 474.30 Td (the ) Tj ET Q q 0 0 0 rg BT 300.61 474.30 Td (three ) Tj ET Q q 0 0 0 rg BT 327.59 474.30 Td (months ) Tj ET Q q 0 0 0 rg BT 365.93 474.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 397.58 474.30 Td (March ) Tj ET Q q 0 0 0 rg BT 431.90 474.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 449.90 474.30 Td (2013.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 457.31 cm /I48 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 459.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 459.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.64 459.90 Td (client ) Tj ET Q q 0 0 0 rg BT 176.18 459.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 218.41 459.90 Td (and ) Tj ET Q q 0 0 0 rg BT 238.63 459.90 Td (other ) Tj ET Q q 0 0 0 rg BT 266.17 459.90 Td (third-party ) Tj ET Q q 0 0 0 rg BT 320.38 459.90 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 367.93 459.90 Td (were ) Tj ET Q q 0 0 0 rg BT 394.13 459.90 Td ($357.3 ) Tj ET Q q 0 0 0 rg BT 430.02 459.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 467.25 459.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 486.13 459.90 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 459.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 445.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 445.50 Td (year ) Tj ET Q q 0 0 0 rg BT 153.97 445.50 Td (and ) Tj ET Q q 0 0 0 rg BT 174.30 445.50 Td (down ) Tj ET Q q 0 0 0 rg BT 203.97 445.50 Td (3% ) Tj ET Q q 0 0 0 rg BT 222.96 445.50 Td (from ) Tj ET Q q 0 0 0 rg BT 249.29 445.50 Td (the ) Tj ET Q q 0 0 0 rg BT 266.95 445.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 293.28 445.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 326.59 445.50 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 428.51 cm /I49 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 431.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 137.55 431.10 Td (under ) Tj ET Q q 0 0 0 rg BT 167.09 431.10 Td (custody ) Tj ET Q q 0 0 0 rg BT 206.63 431.10 Td (were ) Tj ET Q q 0 0 0 rg BT 232.16 431.10 Td ($19.3 ) Tj ET Q q 0 0 0 rg BT 261.38 431.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 299.26 431.10 Td (up ) Tj ET Q q 0 0 0 rg BT 313.47 431.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 331.68 431.10 Td (from ) Tj ET Q q 0 0 0 rg BT 357.22 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.10 431.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 399.64 431.10 Td (year ) Tj ET Q q 0 0 0 rg BT 422.50 431.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.04 431.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 460.26 431.10 Td (from ) Tj ET Q q 0 0 0 rg BT 485.80 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 502.67 431.10 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 416.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 416.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 399.71 cm /I50 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 402.30 Td (International ) Tj ET Q q 0 0 0 rg BT 168.84 402.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 210.35 402.30 Td (was ) Tj ET Q q 0 0 0 rg BT 232.55 402.30 Td ($4.9 ) Tj ET Q q 0 0 0 rg BT 257.08 402.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 294.95 402.30 Td (up ) Tj ET Q q 0 0 0 rg BT 310.49 402.30 Td (8% ) Tj ET Q q 0 0 0 rg BT 330.02 402.30 Td (from ) Tj ET Q q 0 0 0 rg BT 356.88 402.30 Td (the ) Tj ET Q q 0 0 0 rg BT 375.07 402.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 401.93 402.30 Td (year) Tj ET Q q 0 0 0 rg BT 422.10 402.30 Td (, ) Tj ET Q q 0 0 0 rg BT 428.64 402.30 Td (representing ) Tj ET Q q 0 0 0 rg BT 491.48 402.30 Td (49% ) Tj ET Q q 0 0 0 rg BT 517.01 402.30 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 387.90 Td (total ) Tj ET Q q 0 0 0 rg BT 128.33 387.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 169.30 387.90 Td (\(and ) Tj ET Q q 0 0 0 rg BT 193.63 387.90 Td (49% ) Tj ET Q q 0 0 0 rg BT 218.62 387.90 Td (of ) Tj ET Q q 0 0 0 rg BT 231.62 387.90 Td (total ) Tj ET Q q 0 0 0 rg BT 255.95 387.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 296.92 387.90 Td (excluding ) Tj ET Q q 0 0 0 rg BT 347.24 387.90 Td (DV) Tj ET Q q 0 0 0 rg BT 363.03 387.90 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 371.69 393.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 375.59 387.90 Td (\). ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 370.91 cm /I51 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 373.50 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.96 373.50 Td (on ) Tj ET Q q 0 0 0 rg BT 155.26 373.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 188.56 373.50 Td (was ) Tj ET Q q 0 0 0 rg BT 210.52 373.50 Td (19% ) Tj ET Q q 0 0 0 rg BT 235.82 373.50 Td (on ) Tj ET Q q 0 0 0 rg BT 251.12 373.50 Td ($56.5billion ) Tj ET Q q 0 0 0 rg BT 315.76 373.50 Td (of ) Tj ET Q q 0 0 0 rg BT 329.06 373.50 Td (average ) Tj ET Q q 0 0 0 rg BT 369.66 373.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 416.27 373.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 451.55 373.50 Td (\(18%) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 477.54 378.94 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 479.69 373.50 Td (excluding ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 359.10 Td (DV) Tj ET Q q 0 0 0 rg BT 119.79 359.10 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 128.45 364.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 132.35 359.10 Td (\).) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 342.11 cm /I52 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 344.70 Td (End-of-period ) Tj ET Q q 0 0 0 rg BT 174.43 344.70 Td (total ) Tj ET Q q 0 0 0 rg BT 198.22 344.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 226.01 344.70 Td (were ) Tj ET Q q 0 0 0 rg BT 251.79 344.70 Td ($1) Tj ET Q q 0 0 0 rg BT 263.34 344.70 Td (17.5 ) Tj ET Q q 0 0 0 rg BT 286.80 344.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 323.59 344.70 Td (up ) Tj ET Q q 0 0 0 rg BT 338.05 344.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 356.51 344.70 Td (from ) Tj ET Q q 0 0 0 rg BT 382.30 344.70 Td (the ) Tj ET Q q 0 0 0 rg BT 399.42 344.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 425.20 344.70 Td (year ) Tj ET Q q 0 0 0 rg BT 448.31 344.70 Td (and ) Tj ET Q q 0 0 0 rg BT 468.09 344.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 486.55 344.70 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 344.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 330.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 131.16 330.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 164.47 330.30 Td (. ) Tj ET Q q 0 0 0 rg BT 171.30 330.30 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 230.44 330.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 259.60 330.30 Td (were ) Tj ET Q q 0 0 0 rg BT 286.74 330.30 Td ($444 ) Tj ET Q q 0 0 0 rg BT 314.57 330.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 356.07 330.30 Td (down ) Tj ET Q q 0 0 0 rg BT 386.57 330.30 Td (50% ) Tj ET Q q 0 0 0 rg BT 412.40 330.30 Td (from ) Tj ET Q q 0 0 0 rg BT 439.55 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 458.04 330.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 485.20 330.30 Td (year ) Tj ET Q q 0 0 0 rg BT 509.68 330.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 315.90 Td (28% ) Tj ET Q q 0 0 0 rg BT 129.00 315.90 Td (from ) Tj ET Q q 0 0 0 rg BT 155.32 315.90 Td (the ) Tj ET Q q 0 0 0 rg BT 172.98 315.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 199.31 315.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 232.63 315.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 298.91 cm /I53 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 301.50 Td (End-of-period ) Tj ET Q q 0 0 0 rg BT 174.63 301.50 Td (trade ) Tj ET Q q 0 0 0 rg BT 201.26 301.50 Td (finance ) Tj ET Q q 0 0 0 rg BT 239.22 301.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 267.21 301.50 Td (were ) Tj ET Q q 0 0 0 rg BT 293.17 301.50 Td ($39.0 ) Tj ET Q q 0 0 0 rg BT 322.83 301.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 359.82 301.50 Td (up ) Tj ET Q q 0 0 0 rg BT 374.47 301.50 Td (9% ) Tj ET Q q 0 0 0 rg BT 393.12 301.50 Td (from ) Tj ET Q q 0 0 0 rg BT 419.10 301.50 Td (both ) Tj ET Q q 0 0 0 rg BT 443.08 301.50 Td (the ) Tj ET Q q 0 0 0 rg BT 460.40 301.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.38 301.50 Td (year ) Tj ET Q q 0 0 0 rg BT 509.68 301.50 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 287.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 287.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 287.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 287.10 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 263.70 Td (COMMERCIAL) Tj ET Q q 0 0 0 rg BT 131.58 263.70 Td ( BANKING \(CB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 242.39999999999998 m 50.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 242.39999999999998 m 231.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 242.39999999999998 m 231.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 242.39999999999998 m 276.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 242.39999999999998 m 280.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 242.39999999999998 m 280.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 242.39999999999998 m 325.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 242.39999999999998 m 329.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 242.39999999999998 m 329.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 242.39999999999998 m 374.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 242.39999999999998 m 378.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 242.39999999999998 m 378.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 242.39999999999998 m 423.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 227.39999999999998 m 423.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 242.39999999999998 m 468.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 227.39999999999998 m 468.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 242.39999999999998 m 472.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 227.39999999999998 m 472.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 242.39999999999998 m 472.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 242.39999999999998 m 517.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 227.39999999999998 m 517.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 242.39999999999998 m 562.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 242.39999999999998 m 562.5 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 227.39999999999998 m 562.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 227.39999999999998 m 50.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 212.39999999999998 m 231.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 227.39999999999998 m 231.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 212.39999999999998 m 276.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 212.39999999999998 m 280.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 227.39999999999998 m 280.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 212.39999999999998 m 325.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 212.39999999999998 m 329.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 227.39999999999998 m 329.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 212.39999999999998 m 374.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 212.39999999999998 m 378.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 227.39999999999998 m 378.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 212.39999999999998 m 423.5 212.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 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182.39999999999998 m 329.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 167.39999999999998 m 374.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 167.39999999999998 m 378.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 182.39999999999998 m 378.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 167.39999999999998 m 423.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 182.39999999999998 m 423.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 167.39999999999998 m 468.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 167.39999999999998 m 472.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 182.39999999999998 m 472.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 167.39999999999998 m 517.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 182.39999999999998 m 517.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 182.39999999999998 m 562.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 167.39999999999998 m 562.5 167.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 167.39999999999998 m 50.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 152.39999999999998 m 231.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 167.39999999999998 m 231.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 152.39999999999998 m 276.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 152.39999999999998 m 280.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 167.39999999999998 m 280.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 152.39999999999998 m 325.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 152.39999999999998 m 329.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 167.39999999999998 m 329.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 152.39999999999998 m 374.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 152.39999999999998 m 378.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 167.39999999999998 m 378.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 152.39999999999998 m 423.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 167.39999999999998 m 423.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 152.39999999999998 m 468.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 152.39999999999998 m 472.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 167.39999999999998 m 472.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 152.39999999999998 m 517.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 167.39999999999998 m 517.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 167.39999999999998 m 562.5 152.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 152.39999999999998 m 562.5 152.39999999999998 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 232.27 Td (Results for CB) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 232.27 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 232.27 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 217.27 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 217.27 Td (1Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 217.27 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 217.27 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 217.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 217.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 217.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 217.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 202.27 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 202.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 202.27 Td (1,673) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 202.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 202.27 Td (1,745) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 202.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 202.27 Td (1,657) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 202.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 404.60 202.27 Td (\(72) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 202.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 445.95 202.27 Td (\(4) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 202.27 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 202.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 502.25 202.27 Td (16) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 547.30 202.27 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 202.27 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 187.27 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 261.25 187.27 Td (39) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 312.10 187.27 Td (\(3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 187.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 359.25 187.27 Td (77) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 408.25 187.27 Td (42) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 187.27 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 498.60 187.27 Td (\(38) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 187.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 538.10 187.27 Td (\(49) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 187.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 172.27 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 172.27 Td (644) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 172.27 Td (599) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 172.27 Td (598) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 408.25 172.27 Td (45) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.65 172.27 Td (8) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 502.25 172.27 Td (46) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 547.30 172.27 Td (8) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 157.27 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 157.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 157.27 Td (596) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 157.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 157.27 Td (692) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 157.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 157.27 Td (591) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 157.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 404.60 157.27 Td (\(96) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 157.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 157.27 Td (\(14) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 157.27 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 157.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 507.80 157.27 Td (5) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 547.30 157.27 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 157.27 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 126.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 126.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 126.50 Td (Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.60 112.10 Td (income ) Tj ET Q q 0 0 0 rg BT 107.18 112.10 Td (was ) Tj ET Q q 0 0 0 rg BT 128.12 112.10 Td ($596million, ) Tj ET Q q 0 0 0 rg BT 195.05 112.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 213.31 112.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 262.89 112.10 Td (with ) Tj ET Q q 0 0 0 rg BT 286.49 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.42 112.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 329.02 112.10 Td (year) Tj ET Q q 0 0 0 rg BT 349.19 112.10 Td (, ) Tj ET Q q 0 0 0 rg BT 354.46 112.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 402.70 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 410.29 112.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 439.88 112.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 487.49 112.10 Td (for ) Tj ET Q q 0 0 0 rg BT 503.75 112.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 533.33 112.10 Td (losses ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 97.70 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 97.70 Td (an ) Tj ET Q q 0 0 0 rg BT 84.65 97.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 126.96 97.70 Td (in ) Tj ET Q q 0 0 0 rg BT 139.29 97.70 Td (net ) Tj ET Q q 0 0 0 rg BT 156.95 97.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 200.93 97.70 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 273.91 97.70 Td (of) Tj ET Q q 0 0 0 rg BT 283.69 97.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 304.02 97.70 Td (by ) Tj ET Q q 0 0 0 rg BT 319.02 97.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 352.67 97.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 408.99 97.70 Td (expense.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 71.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.44 71.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.53 71.30 Td (was ) Tj ET Q q 0 0 0 rg BT 133.31 71.30 Td ($1.7billion, ) Tj ET Q q 0 0 0 rg BT 194.76 71.30 Td (an ) Tj ET Q q 0 0 0 rg BT 209.20 71.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 251.62 71.30 Td (of ) Tj ET Q q 0 0 0 rg BT 264.73 71.30 Td ($16 ) Tj ET Q q 0 0 0 rg BT 285.84 71.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 326.62 71.30 Td (essentially ) Tj ET Q q 0 0 0 rg BT 380.39 71.30 Td (flat ) Tj ET Q q 0 0 0 rg BT 399.50 71.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 449.92 71.30 Td (with ) Tj ET Q q 0 0 0 rg BT 474.37 71.30 Td (the ) Tj ET Q q 0 0 0 rg BT 492.14 71.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 518.58 71.30 Td (year) Tj ET Q q 0 0 0 rg BT 538.57 71.30 Td (. ) Tj ET Q q 0 0 0 rg BT 544.68 71.30 Td (Net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 56.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 89.66 56.90 Td (income ) Tj ET Q q 0 0 0 rg BT 129.32 56.90 Td (was ) Tj ET Q q 0 0 0 rg BT 152.33 56.90 Td ($1.1billion, ) Tj ET Q q 0 0 0 rg BT 215.01 56.90 Td (an ) Tj ET Q q 0 0 0 rg BT 230.67 56.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 274.32 56.90 Td (of ) Tj ET Q q 0 0 0 rg BT 288.66 56.90 Td ($38million, ) Tj ET Q q 0 0 0 rg BT 351.67 56.90 Td (or ) Tj ET Q q 0 0 0 rg BT 366.01 56.90 Td (3%, ) Tj ET Q q 0 0 0 rg BT 389.35 56.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 424.34 56.90 Td (by ) Tj ET Q q 0 0 0 rg BT 440.69 56.90 Td (growth ) Tj ET Q q 0 0 0 rg BT 479.02 56.90 Td (in ) Tj ET Q q 0 0 0 rg BT 492.70 56.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 517.70 56.90 Td (balances, ) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 92.49 740.70 Td (of) Tj ET Q q 0 0 0 rg BT 102.27 740.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 122.10 740.70 Td (by ) Tj ET Q q 0 0 0 rg BT 136.60 740.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 166.43 740.70 Td (purchase ) Tj ET Q q 0 0 0 rg BT 211.57 740.70 Td (discounts ) Tj ET Q q 0 0 0 rg BT 259.41 740.70 Td (recognized ) Tj ET Q q 0 0 0 rg BT 314.55 740.70 Td (on ) Tj ET Q q 0 0 0 rg BT 329.05 740.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 352.22 740.70 Td (repayments ) Tj ET Q q 0 0 0 rg BT 410.03 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 429.86 740.70 Td (spread ) Tj ET Q q 0 0 0 rg BT 463.68 740.70 Td (compression ) Tj ET Q q 0 0 0 rg BT 526.84 740.70 Td (on ) Tj ET Q q 0 0 0 rg BT 541.35 740.70 Td (loan ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (products. ) Tj ET Q q 0 0 0 rg BT 98.51 726.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 158.69 726.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 200.85 726.30 Td (was ) Tj ET Q q 0 0 0 rg BT 223.70 726.30 Td ($535million, ) Tj ET Q q 0 0 0 rg BT 292.55 726.30 Td (down ) Tj ET Q q 0 0 0 rg BT 323.40 726.30 Td ($22 ) Tj ET Q q 0 0 0 rg BT 345.59 726.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 387.45 726.30 Td (or ) Tj ET Q q 0 0 0 rg BT 401.63 726.30 Td (4%, ) Tj ET Q q 0 0 0 rg BT 424.81 726.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 459.66 726.30 Td (by ) Tj ET Q q 0 0 0 rg BT 475.84 726.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 507.35 726.30 Td (community ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (development ) Tj ET Q q 0 0 0 rg BT 114.98 711.90 Td (investment-related ) Tj ET Q q 0 0 0 rg BT 207.28 711.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 248.25 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 268.58 711.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 298.90 711.90 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 374.53 711.90 Td (fees.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 685.50 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 94.91 685.50 Td (from ) Tj ET Q q 0 0 0 rg BT 121.17 685.50 Td (Middle ) Tj ET Q q 0 0 0 rg BT 158.76 685.50 Td (Market ) Tj ET Q q 0 0 0 rg BT 196.34 685.50 Td (Banking ) Tj ET Q q 0 0 0 rg BT 239.93 685.50 Td (was ) Tj ET Q q 0 0 0 rg BT 261.52 685.50 Td ($753 ) Tj ET Q q 0 0 0 rg BT 288.45 685.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 329.05 685.50 Td (an ) Tj ET Q q 0 0 0 rg BT 343.30 685.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 385.53 685.50 Td (of ) Tj ET Q q 0 0 0 rg BT 398.46 685.50 Td ($22 ) Tj ET Q q 0 0 0 rg BT 419.39 685.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 459.98 685.50 Td (or ) Tj ET Q q 0 0 0 rg BT 472.91 685.50 Td (3%, ) Tj ET Q q 0 0 0 rg BT 494.83 685.50 Td (from ) Tj ET Q q 0 0 0 rg BT 521.09 685.50 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 685.50 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 671.10 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 671.10 Td (. ) Tj ET Q q 0 0 0 rg BT 75.47 671.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 119.94 671.10 Td (from ) Tj ET Q q 0 0 0 rg BT 145.75 671.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 196.22 671.10 Td (Client ) Tj ET Q q 0 0 0 rg BT 228.04 671.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 271.19 671.10 Td (was ) Tj ET Q q 0 0 0 rg BT 292.34 671.10 Td ($433million, ) Tj ET Q q 0 0 0 rg BT 359.49 671.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 377.97 671.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 427.76 671.10 Td (with ) Tj ET Q q 0 0 0 rg BT 451.58 671.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.73 671.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 494.54 671.10 Td (year) Tj ET Q q 0 0 0 rg BT 514.53 671.10 Td (. ) Tj ET Q q 0 0 0 rg BT 520.01 671.10 Td (Revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 656.70 Td (from ) Tj ET Q q 0 0 0 rg BT 76.77 656.70 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 139.28 656.70 Td (T) Tj ET Q q 0 0 0 rg BT 145.77 656.70 Td (erm ) Tj ET Q q 0 0 0 rg BT 167.88 656.70 Td (Lending ) Tj ET Q q 0 0 0 rg BT 211.31 656.70 Td (was ) Tj ET Q q 0 0 0 rg BT 233.42 656.70 Td ($291million, ) Tj ET Q q 0 0 0 rg BT 301.53 656.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 320.97 656.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 371.72 656.70 Td (with ) Tj ET Q q 0 0 0 rg BT 396.50 656.70 Td (the ) Tj ET Q q 0 0 0 rg BT 414.61 656.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.38 656.70 Td (year) Tj ET Q q 0 0 0 rg BT 461.37 656.70 Td (. ) Tj ET Q q 0 0 0 rg BT 467.81 656.70 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 513.24 656.70 Td (from ) Tj ET Q q 0 0 0 rg BT 540.01 656.70 Td (Real ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 642.30 Td (Estate ) Tj ET Q q 0 0 0 rg BT 82.32 642.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 125.98 642.30 Td (was ) Tj ET Q q 0 0 0 rg BT 147.65 642.30 Td ($1) Tj ET Q q 0 0 0 rg BT 159.20 642.30 Td (12million, ) Tj ET Q q 0 0 0 rg BT 214.87 642.30 Td (an ) Tj ET Q q 0 0 0 rg BT 229.20 642.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 271.50 642.30 Td (of ) Tj ET Q q 0 0 0 rg BT 284.50 642.30 Td ($7 ) Tj ET Q q 0 0 0 rg BT 299.50 642.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 340.17 642.30 Td (or ) Tj ET Q q 0 0 0 rg BT 353.16 642.30 Td (7%, ) Tj ET Q q 0 0 0 rg BT 375.16 642.30 Td (from ) Tj ET Q q 0 0 0 rg BT 401.49 642.30 Td (the ) Tj ET Q q 0 0 0 rg BT 419.15 642.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 445.47 642.30 Td (year) Tj ET Q q 0 0 0 rg BT 465.46 642.30 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 615.90 Td (The ) Tj ET Q q 0 0 0 rg BT 71.33 615.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.34 615.90 Td (for ) Tj ET Q q 0 0 0 rg BT 136.01 615.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.00 615.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.34 615.90 Td (was ) Tj ET Q q 0 0 0 rg BT 218.68 615.90 Td ($39 ) Tj ET Q q 0 0 0 rg BT 239.35 615.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 279.70 615.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 329.68 615.90 Td (with ) Tj ET Q q 0 0 0 rg BT 353.69 615.90 Td ($77 ) Tj ET Q q 0 0 0 rg BT 374.37 615.90 Td (million ) Tj ET Q q 0 0 0 rg BT 411.71 615.90 Td (in ) Tj ET Q q 0 0 0 rg BT 423.72 615.90 Td (the ) Tj ET Q q 0 0 0 rg BT 441.05 615.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.06 615.90 Td (year) Tj ET Q q 0 0 0 rg BT 487.04 615.90 Td (. ) Tj ET Q q 0 0 0 rg BT 492.72 615.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 512.72 615.90 Td (recoveries ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 601.50 Td (were ) Tj ET Q q 0 0 0 rg BT 75.77 601.50 Td ($7 ) Tj ET Q q 0 0 0 rg BT 90.23 601.50 Td (million ) Tj ET Q q 0 0 0 rg BT 127.35 601.50 Td (\(0.02% ) Tj ET Q q 0 0 0 rg BT 164.80 601.50 Td (net ) Tj ET Q q 0 0 0 rg BT 181.92 601.50 Td (recovery ) Tj ET Q q 0 0 0 rg BT 226.35 601.50 Td (rate\), ) Tj ET Q q 0 0 0 rg BT 253.78 601.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 303.55 601.50 Td (with ) Tj ET Q q 0 0 0 rg BT 327.34 601.50 Td (net ) Tj ET Q q 0 0 0 rg BT 344.45 601.50 Td (char) Tj ET Q q 0 0 0 rg BT 364.89 601.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 389.99 601.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 401.11 601.50 Td (of ) Tj ET Q q 0 0 0 rg BT 413.56 601.50 Td ($12million ) Tj ET Q q 0 0 0 rg BT 471.69 601.50 Td (\(0.04% ) Tj ET Q q 0 0 0 rg BT 509.14 601.50 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 601.50 Td (char) Tj ET Q q 0 0 0 rg BT 546.69 601.50 Td (ge-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 587.10 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 587.10 Td (f ) Tj ET Q q 0 0 0 rg BT 66.64 587.10 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 91.49 587.10 Td (in ) Tj ET Q q 0 0 0 rg BT 103.69 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.22 587.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.42 587.10 Td (year ) Tj ET Q q 0 0 0 rg BT 170.93 587.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.13 587.10 Td (net ) Tj ET Q q 0 0 0 rg BT 208.65 587.10 Td (char) Tj ET Q q 0 0 0 rg BT 229.09 587.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 254.19 587.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 265.72 587.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.59 587.10 Td ($50million ) Tj ET Q q 0 0 0 rg BT 337.12 587.10 Td (\(0.16% ) Tj ET Q q 0 0 0 rg BT 374.98 587.10 Td (net ) Tj ET Q q 0 0 0 rg BT 392.51 587.10 Td (char) Tj ET Q q 0 0 0 rg BT 412.94 587.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 438.05 587.10 Td (f ) Tj ET Q q 0 0 0 rg BT 444.91 587.10 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 469.76 587.10 Td (in ) Tj ET Q q 0 0 0 rg BT 481.96 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.49 587.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 525.68 587.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 559.00 587.10 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 572.70 Td (The ) Tj ET Q q 0 0 0 rg BT 71.86 572.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 123.71 572.70 Td (for ) Tj ET Q q 0 0 0 rg BT 140.90 572.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 164.77 572.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 196.64 572.70 Td (to ) Tj ET Q q 0 0 0 rg BT 209.18 572.70 Td (period-end ) Tj ET Q q 0 0 0 rg BT 264.37 572.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 292.90 572.70 Td (retained ) Tj ET Q q 0 0 0 rg BT 334.75 572.70 Td (was ) Tj ET Q q 0 0 0 rg BT 356.62 572.70 Td (2.05%, ) Tj ET Q q 0 0 0 rg BT 393.82 572.70 Td (down ) Tj ET Q q 0 0 0 rg BT 423.69 572.70 Td (from ) Tj ET Q q 0 0 0 rg BT 450.22 572.70 Td (2.32% ) Tj ET Q q 0 0 0 rg BT 484.42 572.70 Td (in ) Tj ET Q q 0 0 0 rg BT 496.96 572.70 Td (the ) Tj ET Q q 0 0 0 rg BT 514.82 572.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 541.36 572.70 Td (year ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 558.30 Td (and ) Tj ET Q q 0 0 0 rg BT 70.47 558.30 Td (2.06% ) Tj ET Q q 0 0 0 rg BT 104.60 558.30 Td (in ) Tj ET Q q 0 0 0 rg BT 117.08 558.30 Td (the ) Tj ET Q q 0 0 0 rg BT 134.88 558.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 161.35 558.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 194.66 558.30 Td (. ) Tj ET Q q 0 0 0 rg BT 200.80 558.30 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 259.24 558.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 287.71 558.30 Td (were ) Tj ET Q q 0 0 0 rg BT 314.17 558.30 Td ($669million, ) Tj ET Q q 0 0 0 rg BT 381.98 558.30 Td (down ) Tj ET Q q 0 0 0 rg BT 411.79 558.30 Td ($335million, ) Tj ET Q q 0 0 0 rg BT 479.60 558.30 Td (or ) Tj ET Q q 0 0 0 rg BT 492.73 558.30 Td (33%, ) Tj ET Q q 0 0 0 rg BT 520.87 558.30 Td (from ) Tj ET Q q 0 0 0 rg BT 547.34 558.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 543.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.33 543.90 Td (year ) Tj ET Q q 0 0 0 rg BT 99.97 543.90 Td (due ) Tj ET Q q 0 0 0 rg BT 120.30 543.90 Td (to ) Tj ET Q q 0 0 0 rg BT 132.63 543.90 Td (repayments, ) Tj ET Q q 0 0 0 rg BT 193.95 543.90 Td (char) Tj ET Q q 0 0 0 rg BT 214.38 543.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 239.48 543.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 251.15 543.90 Td (and ) Tj ET Q q 0 0 0 rg BT 271.47 543.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 295.13 543.90 Td (sales, ) Tj ET Q q 0 0 0 rg BT 324.46 543.90 Td (and ) Tj ET Q q 0 0 0 rg BT 344.79 543.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 363.78 543.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 414.08 543.90 Td (with ) Tj ET Q q 0 0 0 rg BT 438.42 543.90 Td (the ) Tj ET Q q 0 0 0 rg BT 456.08 543.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 482.40 543.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 515.72 543.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 517.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.87 517.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 152.41 517.50 Td (was ) Tj ET Q q 0 0 0 rg BT 174.96 517.50 Td ($644million, ) Tj ET Q q 0 0 0 rg BT 243.51 517.50 Td (an ) Tj ET Q q 0 0 0 rg BT 258.72 517.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 301.92 517.50 Td (of ) Tj ET Q q 0 0 0 rg BT 315.80 517.50 Td ($46 ) Tj ET Q q 0 0 0 rg BT 337.68 517.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 379.24 517.50 Td (or ) Tj ET Q q 0 0 0 rg BT 393.12 517.50 Td (8%, ) Tj ET Q q 0 0 0 rg BT 416.00 517.50 Td (from ) Tj ET Q q 0 0 0 rg BT 443.22 517.50 Td (the ) Tj ET Q q 0 0 0 rg BT 461.76 517.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 488.98 517.50 Td (year) Tj ET Q q 0 0 0 rg BT 509.14 517.50 Td (, ) Tj ET Q q 0 0 0 rg BT 516.03 517.50 Td (reflecting ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 503.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.66 503.10 Td (headcount-related) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 169.61 508.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 173.51 503.10 Td ( ) Tj ET Q q 0 0 0 rg BT 176.51 503.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 218.16 503.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.48 503.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 286.79 503.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 335.10 503.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 376.75 503.10 Td (for ) Tj ET Q q 0 0 0 rg BT 393.74 503.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 456.06 503.10 Td (Card. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 476.70 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 476.70 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 476.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 476.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 476.70 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 467.74 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 467.74 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 467.74 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 467.74 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 467.74 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 467.74 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 467.74 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 467.74 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 467.74 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 467.74 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 445.31 cm /I54 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 447.90 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 447.90 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 447.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 447.90 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 447.90 Td (18% ) Tj ET Q q 0 0 0 rg BT 234.31 447.90 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 447.90 Td ($13.5 ) Tj ET Q q 0 0 0 rg BT 279.31 447.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.65 447.90 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 447.90 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 447.90 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 447.90 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 430.91 cm /I55 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 433.50 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 433.50 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 433.50 Td (was ) Tj ET Q q 0 0 0 rg BT 200.29 433.50 Td (38%, ) Tj ET Q q 0 0 0 rg BT 228.29 433.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 278.60 433.50 Td (with ) Tj ET Q q 0 0 0 rg BT 302.93 433.50 Td (36% ) Tj ET Q q 0 0 0 rg BT 327.93 433.50 Td (in ) Tj ET Q q 0 0 0 rg BT 340.26 433.50 Td (the ) Tj ET Q q 0 0 0 rg BT 357.92 433.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 384.25 433.50 Td (year) Tj ET Q q 0 0 0 rg BT 404.23 433.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 416.51 cm /I56 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 419.10 Td (Gross ) Tj ET Q q 0 0 0 rg BT 136.13 419.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 192.92 419.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 235.71 419.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 277.82 419.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 315.27 419.10 Td (is ) Tj ET Q q 0 0 0 rg BT 327.41 419.10 Td (shared ) Tj ET Q q 0 0 0 rg BT 362.86 419.10 Td (with ) Tj ET Q q 0 0 0 rg BT 388.32 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.11 419.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 459.22 419.10 Td (& ) Tj ET Q q 0 0 0 rg BT 472.69 419.10 Td (Investment ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 404.70 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 135.79 404.70 Td (was ) Tj ET Q q 0 0 0 rg BT 156.91 404.70 Td ($341 ) Tj ET Q q 0 0 0 rg BT 183.37 404.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 223.50 404.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 241.95 404.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 291.72 404.70 Td (with ) Tj ET Q q 0 0 0 rg BT 315.52 404.70 Td (the ) Tj ET Q q 0 0 0 rg BT 332.64 404.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 358.43 404.70 Td (year ) Tj ET Q q 0 0 0 rg BT 381.54 404.70 Td (and ) Tj ET Q q 0 0 0 rg BT 401.32 404.70 Td (down ) Tj ET Q q 0 0 0 rg BT 430.45 404.70 Td (23% ) Tj ET Q q 0 0 0 rg BT 454.91 404.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 504.68 404.70 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 390.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 390.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 390.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 390.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 373.31 cm /I57 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 375.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 375.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.38 375.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 171.66 375.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 216.60 375.90 Td (were ) Tj ET Q q 0 0 0 rg BT 243.54 375.90 Td ($129.3 ) Tj ET Q q 0 0 0 rg BT 280.16 375.90 Td (billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 311.50 381.34 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 315.40 375.90 Td (, ) Tj ET Q q 0 0 0 rg BT 322.02 375.90 Td (up ) Tj ET Q q 0 0 0 rg BT 337.65 375.90 Td (14% ) Tj ET Q q 0 0 0 rg BT 363.27 375.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 414.20 375.90 Td (with ) Tj ET Q q 0 0 0 rg BT 439.16 375.90 Td (the ) Tj ET Q q 0 0 0 rg BT 457.45 375.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 484.40 375.90 Td (year ) Tj ET Q q 0 0 0 rg BT 508.67 375.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 361.50 Td (3% ) Tj ET Q q 0 0 0 rg BT 123.00 361.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 173.30 361.50 Td (with ) Tj ET Q q 0 0 0 rg BT 197.64 361.50 Td (the ) Tj ET Q q 0 0 0 rg BT 215.30 361.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 241.63 361.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 274.94 361.50 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 344.51 cm /I58 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 347.10 Td (End-of-period ) Tj ET Q q 0 0 0 rg BT 175.00 347.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 198.68 347.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 243.01 347.10 Td (were ) Tj ET Q q 0 0 0 rg BT 269.35 347.10 Td ($130.4billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 336.68 352.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 340.58 347.10 Td (, ) Tj ET Q q 0 0 0 rg BT 346.60 347.10 Td (up ) Tj ET Q q 0 0 0 rg BT 361.63 347.10 Td (13% ) Tj ET Q q 0 0 0 rg BT 386.64 347.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 436.97 347.10 Td (with ) Tj ET Q q 0 0 0 rg BT 461.33 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.01 347.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 505.36 347.10 Td (year ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 332.70 Td (and ) Tj ET Q q 0 0 0 rg BT 124.33 332.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 143.32 332.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 193.63 332.70 Td (with ) Tj ET Q q 0 0 0 rg BT 217.96 332.70 Td (the ) Tj ET Q q 0 0 0 rg BT 235.63 332.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 261.95 332.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 295.27 332.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 315.71 cm /I59 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 318.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 318.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.84 318.30 Td (client ) Tj ET Q q 0 0 0 rg BT 178.58 318.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 222.01 318.30 Td (and ) Tj ET Q q 0 0 0 rg BT 243.42 318.30 Td (other ) Tj ET Q q 0 0 0 rg BT 272.17 318.30 Td (third-party ) Tj ET Q q 0 0 0 rg BT 327.58 318.30 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 376.33 318.30 Td (were ) Tj ET Q q 0 0 0 rg BT 403.73 318.30 Td ($196.0 ) Tj ET Q q 0 0 0 rg BT 440.82 318.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 479.25 318.30 Td (down ) Tj ET Q q 0 0 0 rg BT 510.00 318.30 Td (2% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 303.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 303.90 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 303.90 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 303.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 303.90 Td (year ) Tj ET Q q 0 0 0 rg BT 246.28 303.90 Td (and ) Tj ET Q q 0 0 0 rg BT 266.60 303.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 285.60 303.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 335.91 303.90 Td (with ) Tj ET Q q 0 0 0 rg BT 360.24 303.90 Td (the ) Tj ET Q q 0 0 0 rg BT 377.90 303.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 404.23 303.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 437.54 303.90 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 280.50 Td (ASSET MANAGEMENT \(AM\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 259.20000000000005 m 50.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 259.20000000000005 m 231.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 259.20000000000005 m 231.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 259.20000000000005 m 276.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 259.20000000000005 m 280.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 259.20000000000005 m 280.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 259.20000000000005 m 325.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 259.20000000000005 m 329.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 259.20000000000005 m 329.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 259.20000000000005 m 374.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 259.20000000000005 m 378.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 259.20000000000005 m 378.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 259.20000000000005 m 423.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 244.20000000000005 m 423.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 259.20000000000005 m 468.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 244.20000000000005 m 468.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 259.20000000000005 m 472.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 244.20000000000005 m 472.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 259.20000000000005 m 472.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 259.20000000000005 m 517.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 244.20000000000005 m 517.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 259.20000000000005 m 562.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 259.20000000000005 m 562.5 259.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 244.20000000000005 m 562.5 244.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 244.20000000000005 m 50.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 229.20000000000005 m 231.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 244.20000000000005 m 231.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 229.20000000000005 m 276.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 229.20000000000005 m 280.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 244.20000000000005 m 280.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 229.20000000000005 m 325.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 229.20000000000005 m 329.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 244.20000000000005 m 329.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 229.20000000000005 m 374.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 229.20000000000005 m 378.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 244.20000000000005 m 378.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 229.20000000000005 m 423.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 244.20000000000005 m 423.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 229.20000000000005 m 468.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 229.20000000000005 m 472.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 244.20000000000005 m 472.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 229.20000000000005 m 517.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 244.20000000000005 m 517.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 244.20000000000005 m 562.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 229.20000000000005 m 562.5 229.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 229.20000000000005 m 50.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 214.20000000000005 m 231.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 229.20000000000005 m 231.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 214.20000000000005 m 276.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 214.20000000000005 m 280.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 229.20000000000005 m 280.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 214.20000000000005 m 325.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 214.20000000000005 m 329.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 229.20000000000005 m 329.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 214.20000000000005 m 374.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 214.20000000000005 m 378.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 229.20000000000005 m 378.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 214.20000000000005 m 423.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 229.20000000000005 m 423.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 214.20000000000005 m 468.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 214.20000000000005 m 472.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 229.20000000000005 m 472.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 214.20000000000005 m 517.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 229.20000000000005 m 517.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 229.20000000000005 m 562.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 214.20000000000005 m 562.5 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 214.20000000000005 m 50.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 199.20000000000005 m 231.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 214.20000000000005 m 231.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 199.20000000000005 m 276.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 199.20000000000005 m 280.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 214.20000000000005 m 280.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 199.20000000000005 m 325.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 199.20000000000005 m 329.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 214.20000000000005 m 329.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 199.20000000000005 m 374.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 199.20000000000005 m 378.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 214.20000000000005 m 378.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 199.20000000000005 m 423.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 214.20000000000005 m 423.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 199.20000000000005 m 468.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 199.20000000000005 m 472.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 214.20000000000005 m 472.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 199.20000000000005 m 517.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 214.20000000000005 m 517.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 214.20000000000005 m 562.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 199.20000000000005 m 562.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 199.20000000000005 m 50.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 184.20000000000005 m 231.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 199.20000000000005 m 231.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 184.20000000000005 m 276.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 184.20000000000005 m 280.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 199.20000000000005 m 280.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 184.20000000000005 m 325.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 184.20000000000005 m 329.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 199.20000000000005 m 329.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 184.20000000000005 m 374.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 184.20000000000005 m 378.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 199.20000000000005 m 378.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 184.20000000000005 m 423.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 199.20000000000005 m 423.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 184.20000000000005 m 468.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 184.20000000000005 m 472.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 199.20000000000005 m 472.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 184.20000000000005 m 517.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 199.20000000000005 m 517.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 199.20000000000005 m 562.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 199.20000000000005 m 562.5 199.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 184.20000000000005 m 562.5 184.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 184.20000000000005 m 50.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 169.20000000000005 m 231.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 184.20000000000005 m 231.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 169.20000000000005 m 276.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 169.20000000000005 m 280.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 184.20000000000005 m 280.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 169.20000000000005 m 325.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 169.20000000000005 m 329.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 184.20000000000005 m 329.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 169.20000000000005 m 374.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 169.20000000000005 m 378.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 184.20000000000005 m 378.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 169.20000000000005 m 423.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 184.20000000000005 m 423.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 169.20000000000005 m 468.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 169.20000000000005 m 472.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 184.20000000000005 m 472.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 169.20000000000005 m 517.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 184.20000000000005 m 517.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 184.20000000000005 m 562.5 169.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 169.20000000000005 m 562.5 169.20000000000005 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 249.07 Td (Results for AM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 249.07 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 249.07 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 234.07 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 234.07 Td (1Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 234.07 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 234.07 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 234.07 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 234.07 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 234.07 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 234.07 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 219.07 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 219.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 219.07 Td (2,653) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 219.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 219.07 Td (2,753) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 219.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 219.07 Td (2,370) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 219.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 219.07 Td (\(100) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 219.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 445.95 219.07 Td (\(4) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 219.07 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 219.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 219.07 Td (283) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 219.07 Td (12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 219.07 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 204.07 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 261.25 204.07 Td (21) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 310.25 204.07 Td (19) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 359.25 204.07 Td (19) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 413.80 204.07 Td (2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 444.15 204.07 Td (11) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 507.80 204.07 Td (2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 204.07 Td (11) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 189.07 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 189.07 Td (1,876) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 189.07 Td (1,943) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 189.07 Td (1,729) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 404.60 189.07 Td (\(67) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 189.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 445.95 189.07 Td (\(3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 189.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 189.07 Td (147) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 547.30 189.07 Td (9) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 174.07 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 174.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 174.07 Td (487) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 174.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 174.07 Td (483) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 174.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 174.07 Td (386) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 174.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 413.80 174.07 Td (4) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.65 174.07 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 174.07 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 174.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 174.07 Td (101) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 174.07 Td (26) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 174.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 140.90 Td (Discussion of Results: ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 163.02 140.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 126.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.91 126.50 Td (income ) Tj ET Q q 0 0 0 rg BT 107.82 126.50 Td (was ) Tj ET Q q 0 0 0 rg BT 129.07 126.50 Td ($487million, ) Tj ET Q q 0 0 0 rg BT 196.33 126.50 Td (an ) Tj ET Q q 0 0 0 rg BT 210.25 126.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 252.14 126.50 Td (of ) Tj ET Q q 0 0 0 rg BT 264.72 126.50 Td ($101 ) Tj ET Q q 0 0 0 rg BT 291.31 126.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 331.57 126.50 Td (or ) Tj ET Q q 0 0 0 rg BT 344.16 126.50 Td (26%, ) Tj ET Q q 0 0 0 rg BT 371.74 126.50 Td (from ) Tj ET Q q 0 0 0 rg BT 397.65 126.50 Td (the ) Tj ET Q q 0 0 0 rg BT 414.90 126.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.82 126.50 Td (year) Tj ET Q q 0 0 0 rg BT 460.80 126.50 Td (. ) Tj ET Q q 0 0 0 rg BT 466.21 126.50 Td (These ) Tj ET Q q 0 0 0 rg BT 497.45 126.50 Td (results ) Tj ET Q q 0 0 0 rg BT 531.36 126.50 Td (reflect ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.66 112.10 Td (net ) Tj ET Q q 0 0 0 rg BT 101.32 112.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 145.29 112.10 Td (lar) Tj ET Q q 0 0 0 rg BT 157.73 112.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 181.39 112.10 Td (of) Tj ET Q q 0 0 0 rg BT 191.17 112.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 211.50 112.10 Td (by ) Tj ET Q q 0 0 0 rg BT 226.50 112.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 260.15 112.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 316.47 112.10 Td (expense.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 85.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.07 85.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.79 85.70 Td (was ) Tj ET Q q 0 0 0 rg BT 132.19 85.70 Td ($2.7billion, ) Tj ET Q q 0 0 0 rg BT 193.27 85.70 Td (an ) Tj ET Q q 0 0 0 rg BT 207.34 85.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 249.39 85.70 Td (of ) Tj ET Q q 0 0 0 rg BT 262.13 85.70 Td ($283million, ) Tj ET Q q 0 0 0 rg BT 329.54 85.70 Td (or ) Tj ET Q q 0 0 0 rg BT 342.28 85.70 Td (12%, ) Tj ET Q q 0 0 0 rg BT 370.02 85.70 Td (from ) Tj ET Q q 0 0 0 rg BT 396.09 85.70 Td (the ) Tj ET Q q 0 0 0 rg BT 413.50 85.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.57 85.70 Td (year) Tj ET Q q 0 0 0 rg BT 459.55 85.70 Td (. ) Tj ET Q q 0 0 0 rg BT 465.30 85.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.03 85.70 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 71.30 Td (was ) Tj ET Q q 0 0 0 rg BT 71.23 71.30 Td ($2.1billion, ) Tj ET Q q 0 0 0 rg BT 132.13 71.30 Td (up ) Tj ET Q q 0 0 0 rg BT 146.70 71.30 Td ($207million, ) Tj ET Q q 0 0 0 rg BT 213.93 71.30 Td (or ) Tj ET Q q 0 0 0 rg BT 226.50 71.30 Td (1) Tj ET Q q 0 0 0 rg BT 232.05 71.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 253.61 71.30 Td (from ) Tj ET Q q 0 0 0 rg BT 279.51 71.30 Td (the ) Tj ET Q q 0 0 0 rg BT 296.73 71.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 322.63 71.30 Td (year) Tj ET Q q 0 0 0 rg BT 342.79 71.30 Td (, ) Tj ET Q q 0 0 0 rg BT 348.36 71.30 Td (due ) Tj ET Q q 0 0 0 rg BT 368.25 71.30 Td (to ) Tj ET Q q 0 0 0 rg BT 380.15 71.30 Td (net ) Tj ET Q q 0 0 0 rg BT 397.38 71.30 Td (client ) Tj ET Q q 0 0 0 rg BT 426.60 71.30 Td (inflows, ) Tj ET Q q 0 0 0 rg BT 468.17 71.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 501.39 71.30 Td (performance ) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 72.55 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 93.11 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 111.00 740.70 Td (ef) Tj ET Q q 0 0 0 rg BT 120.10 740.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 141.32 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 154.55 740.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 188.43 740.70 Td (market ) Tj ET Q q 0 0 0 rg BT 224.98 740.70 Td (levels. ) Tj ET Q q 0 0 0 rg BT 259.20 740.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 279.76 740.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 318.31 740.70 Td (income ) Tj ET Q q 0 0 0 rg BT 356.86 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 378.76 740.70 Td ($559million, ) Tj ET Q q 0 0 0 rg BT 446.66 740.70 Td (up ) Tj ET Q q 0 0 0 rg BT 461.89 740.70 Td ($76million, ) Tj ET Q q 0 0 0 rg BT 523.79 740.70 Td (or ) Tj ET Q q 0 0 0 rg BT 537.02 740.70 Td (16%, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (due ) Tj ET Q q 0 0 0 rg BT 70.33 726.30 Td (to ) Tj ET Q q 0 0 0 rg BT 82.66 726.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 116.32 726.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 139.98 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 160.30 726.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 197.97 726.30 Td (balances.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 699.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 96.18 699.90 Td (from ) Tj ET Q q 0 0 0 rg BT 123.70 699.90 Td (Private ) Tj ET Q q 0 0 0 rg BT 161.88 699.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 206.74 699.90 Td (was ) Tj ET Q q 0 0 0 rg BT 229.60 699.90 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 254.80 699.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 293.33 699.90 Td (up ) Tj ET Q q 0 0 0 rg BT 309.52 699.90 Td (13% ) Tj ET Q q 0 0 0 rg BT 335.71 699.90 Td (from ) Tj ET Q q 0 0 0 rg BT 363.24 699.90 Td (the ) Tj ET Q q 0 0 0 rg BT 382.09 699.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 409.61 699.90 Td (year) Tj ET Q q 0 0 0 rg BT 429.60 699.90 Td (. ) Tj ET Q q 0 0 0 rg BT 436.79 699.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 482.97 699.90 Td (from ) Tj ET Q q 0 0 0 rg BT 510.49 699.90 Td (Retail ) Tj ET Q q 0 0 0 rg BT 543.35 699.90 Td (was ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 685.50 Td ($618million, ) Tj ET Q q 0 0 0 rg BT 117.67 685.50 Td (up ) Tj ET Q q 0 0 0 rg BT 132.67 685.50 Td (16%. ) Tj ET Q q 0 0 0 rg BT 160.67 685.50 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 205.65 685.50 Td (from ) Tj ET Q q 0 0 0 rg BT 231.97 685.50 Td (Institutional ) Tj ET Q q 0 0 0 rg BT 292.97 685.50 Td (was ) Tj ET Q q 0 0 0 rg BT 314.63 685.50 Td ($589million, ) Tj ET Q q 0 0 0 rg BT 382.30 685.50 Td (up ) Tj ET Q q 0 0 0 rg BT 397.30 685.50 Td (6%. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 659.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 84.09 659.10 Td (under ) Tj ET Q q 0 0 0 rg BT 114.17 659.10 Td (supervision ) Tj ET Q q 0 0 0 rg BT 172.25 659.10 Td (were ) Tj ET Q q 0 0 0 rg BT 198.32 659.10 Td (a ) Tj ET Q q 0 0 0 rg BT 206.40 659.10 Td (record ) Tj ET Q q 0 0 0 rg BT 239.80 659.10 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 263.55 659.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 301.97 659.10 Td (an ) Tj ET Q q 0 0 0 rg BT 316.05 659.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 358.11 659.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.86 659.10 Td ($158billion, ) Tj ET Q q 0 0 0 rg BT 434.95 659.10 Td (or ) Tj ET Q q 0 0 0 rg BT 447.70 659.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 469.45 659.10 Td (from ) Tj ET Q q 0 0 0 rg BT 495.53 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.94 659.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.02 659.10 Td (year) Tj ET Q q 0 0 0 rg BT 559.01 659.10 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 644.70 Td (Assets ) Tj ET Q q 0 0 0 rg BT 84.16 644.70 Td (under ) Tj ET Q q 0 0 0 rg BT 114.30 644.70 Td (management ) Tj ET Q q 0 0 0 rg BT 178.43 644.70 Td (were ) Tj ET Q q 0 0 0 rg BT 204.57 644.70 Td (a ) Tj ET Q q 0 0 0 rg BT 212.72 644.70 Td (record ) Tj ET Q q 0 0 0 rg BT 246.19 644.70 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 270.01 644.70 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 308.50 644.70 Td (an ) Tj ET Q q 0 0 0 rg BT 322.65 644.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 364.77 644.70 Td (of ) Tj ET Q q 0 0 0 rg BT 377.59 644.70 Td ($101 ) Tj ET Q q 0 0 0 rg BT 404.42 644.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 441.57 644.70 Td (or ) Tj ET Q q 0 0 0 rg BT 454.39 644.70 Td (7%, ) Tj ET Q q 0 0 0 rg BT 476.21 644.70 Td (due ) Tj ET Q q 0 0 0 rg BT 496.36 644.70 Td (to ) Tj ET Q q 0 0 0 rg BT 508.52 644.70 Td (net ) Tj ET Q q 0 0 0 rg BT 526.00 644.70 Td (inflows ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 630.30 Td (to ) Tj ET Q q 0 0 0 rg BT 62.47 630.30 Td (long-term ) Tj ET Q q 0 0 0 rg BT 112.94 630.30 Td (products ) Tj ET Q q 0 0 0 rg BT 157.40 630.30 Td (and ) Tj ET Q q 0 0 0 rg BT 177.87 630.30 Td (the ) Tj ET Q q 0 0 0 rg BT 195.67 630.30 Td (ef) Tj ET Q q 0 0 0 rg BT 204.78 630.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 225.90 630.30 Td (of ) Tj ET Q q 0 0 0 rg BT 239.04 630.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 272.83 630.30 Td (market ) Tj ET Q q 0 0 0 rg BT 309.29 630.30 Td (levels, ) Tj ET Q q 0 0 0 rg BT 343.42 630.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 386.54 630.30 Td (of) Tj ET Q q 0 0 0 rg BT 396.32 630.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 416.79 630.30 Td (by ) Tj ET Q q 0 0 0 rg BT 431.93 630.30 Td (net ) Tj ET Q q 0 0 0 rg BT 449.73 630.30 Td (outflows ) Tj ET Q q 0 0 0 rg BT 494.87 630.30 Td (from ) Tj ET Q q 0 0 0 rg BT 521.34 630.30 Td (liquidity ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 615.90 Td (products) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 91.33 615.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 94.33 615.90 Td ( ) Tj ET Q q 0 0 0 rg BT 96.90 615.90 Td (Custody) Tj ET Q q 0 0 0 rg BT 136.13 615.90 Td (, ) Tj ET Q q 0 0 0 rg BT 141.70 615.90 Td (brokerage, ) Tj ET Q q 0 0 0 rg BT 195.25 615.90 Td (administration ) Tj ET Q q 0 0 0 rg BT 267.14 615.90 Td (and ) Tj ET Q q 0 0 0 rg BT 287.04 615.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 324.28 615.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 368.16 615.90 Td (were ) Tj ET Q q 0 0 0 rg BT 394.05 615.90 Td ($688billion, ) Tj ET Q q 0 0 0 rg BT 457.96 615.90 Td (up ) Tj ET Q q 0 0 0 rg BT 472.53 615.90 Td ($57billion, ) Tj ET Q q 0 0 0 rg BT 530.44 615.90 Td (or ) Tj ET Q q 0 0 0 rg BT 543.01 615.90 Td (9%, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 601.50 Td (due ) Tj ET Q q 0 0 0 rg BT 70.33 601.50 Td (to ) Tj ET Q q 0 0 0 rg BT 82.66 601.50 Td (the ) Tj ET Q q 0 0 0 rg BT 100.32 601.50 Td (ef) Tj ET Q q 0 0 0 rg BT 109.43 601.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 130.41 601.50 Td (of ) Tj ET Q q 0 0 0 rg BT 143.40 601.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 177.06 601.50 Td (market ) Tj ET Q q 0 0 0 rg BT 213.38 601.50 Td (levels ) Tj ET Q q 0 0 0 rg BT 244.37 601.50 Td (and ) Tj ET Q q 0 0 0 rg BT 264.69 601.50 Td (custody ) Tj ET Q q 0 0 0 rg BT 305.02 601.50 Td (and ) Tj ET Q q 0 0 0 rg BT 325.35 601.50 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 376.32 601.50 Td (inflows.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 575.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.66 575.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.99 575.10 Td (for ) Tj ET Q q 0 0 0 rg BT 136.98 575.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.30 575.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.97 575.10 Td (was ) Tj ET Q q 0 0 0 rg BT 220.63 575.10 Td ($21million, ) Tj ET Q q 0 0 0 rg BT 282.30 575.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 332.61 575.10 Td (with ) Tj ET Q q 0 0 0 rg BT 356.94 575.10 Td ($19 ) Tj ET Q q 0 0 0 rg BT 377.94 575.10 Td (million ) Tj ET Q q 0 0 0 rg BT 415.61 575.10 Td (in ) Tj ET Q q 0 0 0 rg BT 427.95 575.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.61 575.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 471.93 575.10 Td (year) Tj ET Q q 0 0 0 rg BT 491.92 575.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 548.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.67 548.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.00 548.70 Td (was ) Tj ET Q q 0 0 0 rg BT 171.35 548.70 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 195.03 548.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.05 548.70 Td (an ) Tj ET Q q 0 0 0 rg BT 246.06 548.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 288.05 548.70 Td (of ) Tj ET Q q 0 0 0 rg BT 300.73 548.70 Td ($147 ) Tj ET Q q 0 0 0 rg BT 327.41 548.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 367.77 548.70 Td (or ) Tj ET Q q 0 0 0 rg BT 380.45 548.70 Td (9%, ) Tj ET Q q 0 0 0 rg BT 402.13 548.70 Td (from ) Tj ET Q q 0 0 0 rg BT 428.13 548.70 Td (the ) Tj ET Q q 0 0 0 rg BT 445.48 548.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 471.49 548.70 Td (year) Tj ET Q q 0 0 0 rg BT 491.66 548.70 Td (, ) Tj ET Q q 0 0 0 rg BT 497.34 548.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 544.68 548.70 Td (due ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 534.30 Td (to ) Tj ET Q q 0 0 0 rg BT 62.33 534.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 95.99 534.30 Td (headcount-related) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 181.94 539.74 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 185.84 534.30 Td ( ) Tj ET Q q 0 0 0 rg BT 188.84 534.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 230.49 534.30 Td (and ) Tj ET Q q 0 0 0 rg BT 250.82 534.30 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 345.76 534.30 Td (compensation.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 507.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 507.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 507.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 507.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 507.90 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 498.94 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 498.94 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 498.94 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 498.94 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 498.94 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 498.94 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 498.94 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 498.94 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 498.94 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 498.94 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 476.51 cm /I60 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 479.10 Td (Pretax ) Tj ET Q q 0 0 0 rg BT 137.66 479.10 Td (mar) Tj ET Q q 0 0 0 rg BT 156.10 479.10 Td (gin) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 171.43 484.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 175.33 479.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.33 479.10 Td (was ) Tj ET Q q 0 0 0 rg BT 199.99 479.10 Td (29%, ) Tj ET Q q 0 0 0 rg BT 227.99 479.10 Td (up ) Tj ET Q q 0 0 0 rg BT 242.99 479.10 Td (from ) Tj ET Q q 0 0 0 rg BT 269.31 479.10 Td (26% ) Tj ET Q q 0 0 0 rg BT 294.31 479.10 Td (in ) Tj ET Q q 0 0 0 rg BT 306.64 479.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.30 479.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 350.63 479.10 Td (year) Tj ET Q q 0 0 0 rg BT 370.62 479.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 462.11 cm /I61 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 464.70 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 464.70 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 464.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 464.70 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 464.70 Td (22% ) Tj ET Q q 0 0 0 rg BT 234.31 464.70 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 464.70 Td ($9 ) Tj ET Q q 0 0 0 rg BT 264.31 464.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 298.65 464.70 Td (of ) Tj ET Q q 0 0 0 rg BT 311.64 464.70 Td (average ) Tj ET Q q 0 0 0 rg BT 351.95 464.70 Td (allocated ) Tj ET Q q 0 0 0 rg BT 398.25 464.70 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 447.71 cm /I62 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 450.30 Td (For ) Tj ET Q q 0 0 0 rg BT 123.14 450.30 Td (the ) Tj ET Q q 0 0 0 rg BT 140.27 450.30 Td (12 ) Tj ET Q q 0 0 0 rg BT 154.74 450.30 Td (months ) Tj ET Q q 0 0 0 rg BT 192.55 450.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 223.68 450.30 Td (March ) Tj ET Q q 0 0 0 rg BT 257.47 450.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 274.94 450.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 304.41 450.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 334.88 450.30 Td (under ) Tj ET Q q 0 0 0 rg BT 364.67 450.30 Td (management ) Tj ET Q q 0 0 0 rg BT 428.45 450.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 472.88 450.30 Td (net ) Tj ET Q q 0 0 0 rg BT 490.01 450.30 Td (inflows ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 435.90 Td (of ) Tj ET Q q 0 0 0 rg BT 116.33 435.90 Td ($53 ) Tj ET Q q 0 0 0 rg BT 136.67 435.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 173.35 435.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 206.34 435.90 Td (by ) Tj ET Q q 0 0 0 rg BT 220.68 435.90 Td (net ) Tj ET Q q 0 0 0 rg BT 237.68 435.90 Td (inflows ) Tj ET Q q 0 0 0 rg BT 276.01 435.90 Td (of ) Tj ET Q q 0 0 0 rg BT 288.35 435.90 Td ($74 ) Tj ET Q q 0 0 0 rg BT 308.69 435.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 342.36 435.90 Td (to ) Tj ET Q q 0 0 0 rg BT 354.03 435.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 403.69 435.90 Td (products ) Tj ET Q q 0 0 0 rg BT 447.35 435.90 Td (and ) Tj ET Q q 0 0 0 rg BT 467.02 435.90 Td (net ) Tj ET Q q 0 0 0 rg BT 484.02 435.90 Td (outflows ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 421.50 Td (of ) Tj ET Q q 0 0 0 rg BT 118.86 421.50 Td ($21 ) Tj ET Q q 0 0 0 rg BT 141.72 421.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 177.92 421.50 Td (from ) Tj ET Q q 0 0 0 rg BT 206.11 421.50 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 251.64 421.50 Td (products. ) Tj ET Q q 0 0 0 rg BT 300.83 421.50 Td (For ) Tj ET Q q 0 0 0 rg BT 322.36 421.50 Td (the ) Tj ET Q q 0 0 0 rg BT 341.88 421.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 375.38 421.50 Td (, ) Tj ET Q q 0 0 0 rg BT 383.24 421.50 Td (net ) Tj ET Q q 0 0 0 rg BT 402.77 421.50 Td (inflows ) Tj ET Q q 0 0 0 rg BT 443.63 421.50 Td (were ) Tj ET Q q 0 0 0 rg BT 471.80 421.50 Td ($28 ) Tj ET Q q 0 0 0 rg BT 494.67 421.50 Td (billion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 407.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 152.97 407.10 Td (record ) Tj ET Q q 0 0 0 rg BT 186.62 407.10 Td (net ) Tj ET Q q 0 0 0 rg BT 204.28 407.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 243.28 407.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.27 407.10 Td ($31 ) Tj ET Q q 0 0 0 rg BT 277.27 407.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 311.61 407.10 Td (to ) Tj ET Q q 0 0 0 rg BT 323.94 407.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 374.26 407.10 Td (products.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 390.11 cm /I63 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 392.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 124.33 392.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 174.65 392.70 Td (client ) Tj ET Q q 0 0 0 rg BT 204.30 392.70 Td (flows ) Tj ET Q q 0 0 0 rg BT 233.97 392.70 Td (were ) Tj ET Q q 0 0 0 rg BT 260.28 392.70 Td (positive ) Tj ET Q q 0 0 0 rg BT 301.28 392.70 Td (for ) Tj ET Q q 0 0 0 rg BT 318.27 392.70 Td (the ) Tj ET Q q 0 0 0 rg BT 335.93 392.70 Td (sixteenth ) Tj ET Q q 0 0 0 rg BT 382.26 392.70 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 441.90 392.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 475.21 392.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 375.71 cm /I64 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 378.30 Td (Assets ) Tj ET Q q 0 0 0 rg BT 139.29 378.30 Td (under ) Tj ET Q q 0 0 0 rg BT 170.56 378.30 Td (management ) Tj ET Q q 0 0 0 rg BT 235.82 378.30 Td (ranked ) Tj ET Q q 0 0 0 rg BT 272.42 378.30 Td (in ) Tj ET Q q 0 0 0 rg BT 285.70 378.30 Td (the ) Tj ET Q q 0 0 0 rg BT 304.31 378.30 Td (top ) Tj ET Q q 0 0 0 rg BT 323.60 378.30 Td (two ) Tj ET Q q 0 0 0 rg BT 345.55 378.30 Td (quartiles ) Tj ET Q q 0 0 0 rg BT 390.82 378.30 Td (for ) Tj ET Q q 0 0 0 rg BT 408.76 378.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 465.37 378.30 Td (performance ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 363.90 Td (were ) Tj ET Q q 0 0 0 rg BT 130.31 363.90 Td (75% ) Tj ET Q q 0 0 0 rg BT 155.31 363.90 Td (over ) Tj ET Q q 0 0 0 rg BT 179.63 363.90 Td (5 ) Tj ET Q q 0 0 0 rg BT 188.63 363.90 Td (years, ) Tj ET Q q 0 0 0 rg BT 219.95 363.90 Td (74% ) Tj ET Q q 0 0 0 rg BT 244.95 363.90 Td (over ) Tj ET Q q 0 0 0 rg BT 269.27 363.90 Td (3 ) Tj ET Q q 0 0 0 rg BT 278.27 363.90 Td (years ) Tj ET Q q 0 0 0 rg BT 306.59 363.90 Td (and ) Tj ET Q q 0 0 0 rg BT 326.91 363.90 Td (70% ) Tj ET Q q 0 0 0 rg BT 351.91 363.90 Td (over ) Tj ET Q q 0 0 0 rg BT 376.23 363.90 Td (1 ) Tj ET Q q 0 0 0 rg BT 385.23 363.90 Td (year) Tj ET Q q 0 0 0 rg BT 405.22 363.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 346.91 cm /I65 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 349.50 Td (Customer ) Tj ET Q q 0 0 0 rg BT 153.66 349.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 184.66 349.50 Td (in ) Tj ET Q q 0 0 0 rg BT 196.99 349.50 Td (4 ) Tj ET Q q 0 0 0 rg BT 205.99 349.50 Td (and ) Tj ET Q q 0 0 0 rg BT 226.32 349.50 Td (5 ) Tj ET Q q 0 0 0 rg BT 235.32 349.50 Td (Star) Tj ET Q q 0 0 0 rg BT 254.41 349.50 Td (-rated ) Tj ET Q q 0 0 0 rg BT 285.39 349.50 Td (funds ) Tj ET Q q 0 0 0 rg BT 315.05 349.50 Td (were ) Tj ET Q q 0 0 0 rg BT 341.37 349.50 Td (51% ) Tj ET Q q 0 0 0 rg BT 366.37 349.50 Td (of ) Tj ET Q q 0 0 0 rg BT 379.36 349.50 Td (all ) Tj ET Q q 0 0 0 rg BT 394.36 349.50 Td (rated ) Tj ET Q q 0 0 0 rg BT 421.34 349.50 Td (mutual ) Tj ET Q q 0 0 0 rg BT 457.67 349.50 Td (fund ) Tj ET Q q 0 0 0 rg BT 482.66 349.50 Td (assets.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 332.51 cm /I66 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 335.10 Td (Record ) Tj ET Q q 0 0 0 rg BT 142.47 335.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 174.28 335.10 Td (under ) Tj ET Q q 0 0 0 rg BT 205.42 335.10 Td (supervision ) Tj ET Q q 0 0 0 rg BT 264.57 335.10 Td (were ) Tj ET Q q 0 0 0 rg BT 291.70 335.10 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 316.52 335.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 356.00 335.10 Td (up ) Tj ET Q q 0 0 0 rg BT 371.82 335.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 391.63 335.10 Td (from ) Tj ET Q q 0 0 0 rg BT 418.78 335.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.25 335.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 464.40 335.10 Td (year ) Tj ET Q q 0 0 0 rg BT 488.86 335.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.01 335.10 Td (4% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 320.70 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 320.70 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 320.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 320.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 320.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 303.71 cm /I67 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 306.30 Td (Record ) Tj ET Q q 0 0 0 rg BT 142.21 306.30 Td (average ) Tj ET Q q 0 0 0 rg BT 183.07 306.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 211.96 306.30 Td (were ) Tj ET Q q 0 0 0 rg BT 238.83 306.30 Td ($80.0billion, ) Tj ET Q q 0 0 0 rg BT 306.72 306.30 Td (up ) Tj ET Q q 0 0 0 rg BT 322.28 306.30 Td (35% ) Tj ET Q q 0 0 0 rg BT 347.84 306.30 Td (from ) Tj ET Q q 0 0 0 rg BT 374.72 306.30 Td (the ) Tj ET Q q 0 0 0 rg BT 392.94 306.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 419.82 306.30 Td (year ) Tj ET Q q 0 0 0 rg BT 444.03 306.30 Td (and ) Tj ET Q q 0 0 0 rg BT 464.91 306.30 Td (5% ) Tj ET Q q 0 0 0 rg BT 484.47 306.30 Td (from ) Tj ET Q q 0 0 0 rg BT 511.35 306.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 291.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 291.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 291.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 274.91 cm /I68 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 277.50 Td (Record ) Tj ET Q q 0 0 0 rg BT 141.41 277.50 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 210.13 277.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 238.21 277.50 Td (were ) Tj ET Q q 0 0 0 rg BT 264.28 277.50 Td ($81.4billion, ) Tj ET Q q 0 0 0 rg BT 331.37 277.50 Td (up ) Tj ET Q q 0 0 0 rg BT 346.13 277.50 Td (27% ) Tj ET Q q 0 0 0 rg BT 370.88 277.50 Td (from ) Tj ET Q q 0 0 0 rg BT 396.96 277.50 Td (the ) Tj ET Q q 0 0 0 rg BT 414.37 277.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.45 277.50 Td (year ) Tj ET Q q 0 0 0 rg BT 463.85 277.50 Td (and ) Tj ET Q q 0 0 0 rg BT 483.93 277.50 Td (1% ) Tj ET Q q 0 0 0 rg BT 502.68 277.50 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 263.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 263.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 263.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 246.11 cm /I69 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 248.70 Td (Record ) Tj ET Q q 0 0 0 rg BT 141.24 248.70 Td (average ) Tj ET Q q 0 0 0 rg BT 181.13 248.70 Td (deposits ) Tj ET Q q 0 0 0 rg BT 223.05 248.70 Td (were ) Tj ET Q q 0 0 0 rg BT 248.95 248.70 Td ($139.4 ) Tj ET Q q 0 0 0 rg BT 284.54 248.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 321.46 248.70 Td (up ) Tj ET Q q 0 0 0 rg BT 336.05 248.70 Td (9% ) Tj ET Q q 0 0 0 rg BT 354.63 248.70 Td (from ) Tj ET Q q 0 0 0 rg BT 380.54 248.70 Td (the ) Tj ET Q q 0 0 0 rg BT 397.79 248.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.70 248.70 Td (year ) Tj ET Q q 0 0 0 rg BT 446.94 248.70 Td (and ) Tj ET Q q 0 0 0 rg BT 466.85 248.70 Td (4% ) Tj ET Q q 0 0 0 rg BT 485.43 248.70 Td (from ) Tj ET Q q 0 0 0 rg BT 511.35 248.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 234.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 234.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 234.30 Td (. ) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 740.90 Td (TE/PRIV) Tj ET Q q 0 0 0 rg BT 151.80 740.90 Td (A) Tj ET Q q 0 0 0 rg BT 159.14 740.90 Td (TE EQUITY) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 719.6 m 50.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 719.6 m 231.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 719.6 m 231.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 719.6 m 276.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 719.6 m 280.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 719.6 m 280.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 719.6 m 325.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 719.6 m 329.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 719.6 m 329.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 719.6 m 374.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 719.6 m 378.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 719.6 m 378.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 719.6 m 423.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 692.6 m 423.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 719.6 m 468.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 692.6 m 468.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 719.6 m 472.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 692.6 m 472.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 719.6 m 472.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 719.6 m 517.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 692.6 m 517.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 719.6 m 562.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 719.6 m 562.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 692.6 m 562.5 692.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 692.6 m 50.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 677.6 m 231.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 692.6 m 231.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 677.6 m 276.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 677.6 m 280.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 692.6 m 280.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 677.6 m 325.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 677.6 m 329.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 692.6 m 329.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 677.6 m 374.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 677.6 m 378.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 692.6 m 378.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 677.6 m 423.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 692.6 m 423.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 677.6 m 468.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 677.6 m 472.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 692.6 m 472.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 677.6 m 517.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 692.6 m 517.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 692.6 m 562.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 677.6 m 562.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 677.6 m 50.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 662.6 m 231.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 677.6 m 231.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 662.6 m 276.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 662.6 m 280.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 677.6 m 280.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 662.6 m 325.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 662.6 m 329.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 677.6 m 329.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 662.6 m 374.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 662.6 m 378.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 677.6 m 378.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 662.6 m 423.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 677.6 m 423.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 662.6 m 468.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 662.6 m 472.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 677.6 m 472.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 662.6 m 517.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 677.6 m 517.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 677.6 m 562.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 662.6 m 562.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 662.6 m 50.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 647.6 m 231.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 662.6 m 231.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 647.6 m 276.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 647.6 m 280.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 662.6 m 280.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 647.6 m 325.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 647.6 m 329.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 662.6 m 329.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 647.6 m 374.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 647.6 m 378.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 662.6 m 378.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 647.6 m 423.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 662.6 m 423.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 662.6 m 468.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 647.6 m 468.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 647.6 m 472.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 662.6 m 472.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 647.6 m 517.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 662.6 m 517.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 662.6 m 562.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 662.6 m 562.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 647.6 m 562.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 647.6 m 50.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 632.6 m 231.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 647.6 m 231.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 632.6 m 276.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 632.6 m 280.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 647.6 m 280.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 632.6 m 325.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 632.6 m 329.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 647.6 m 329.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 632.6 m 374.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 632.6 m 378.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 647.6 m 378.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 632.6 m 423.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 647.6 m 423.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 632.6 m 468.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 632.6 m 472.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 647.6 m 472.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 632.6 m 517.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 647.6 m 517.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 647.6 m 562.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 647.6 m 562.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 632.6 m 562.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 632.6 m 50.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 617.6 m 231.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 632.6 m 231.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 617.6 m 276.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 617.6 m 280.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 632.6 m 280.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 617.6 m 325.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 617.6 m 329.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 632.6 m 329.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 617.6 m 374.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 617.6 m 378.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 632.6 m 378.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 617.6 m 423.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 632.6 m 423.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 617.6 m 468.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 617.6 m 472.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 632.6 m 472.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 617.6 m 517.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 632.6 m 517.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 632.6 m 562.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 617.6 m 562.5 617.6 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 708.52 Td (Results for ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 697.52 Td (Corporate/Private Equity) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 697.52 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 697.52 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 682.47 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 682.47 Td (1Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 682.47 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 682.47 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 682.47 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 682.47 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 682.47 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 682.47 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 667.47 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 667.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 252.10 667.47 Td (\(233) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 667.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 667.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 301.10 667.47 Td (\(140) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 667.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 667.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 667.47 Td (1,029) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 667.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 404.60 667.47 Td (\(93) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 667.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 667.47 Td (\(66) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 667.47 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 667.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 667.47 Td (\(1,262) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 667.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 667.47 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 652.47 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 263.10 652.47 Td (\(3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 652.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 312.10 652.47 Td (\(6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 652.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 361.10 652.47 Td (\(9) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 370.30 652.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 413.80 652.47 Td (3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 444.15 652.47 Td (50) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 507.80 652.47 Td (6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 538.15 652.47 Td (67) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 652.47 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 637.47 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 266.80 637.47 Td (2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 637.47 Td (543) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 637.47 Td (2,769) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 637.47 Td (\(541) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 637.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 434.95 637.47 Td (\(100) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 637.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 637.47 Td (\(2,767) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 637.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 528.95 637.47 Td (\(100) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 637.47 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 622.47 Td (Net Income/\(Loss\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 622.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 622.47 Td (250) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 622.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 622.47 Td (498) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 622.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 341.85 622.47 Td (\(1,022) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 370.30 622.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 622.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 622.47 Td (\(248) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 622.47 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 622.47 Td (\(50) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 622.47 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 622.47 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 488.50 622.47 Td (1,272) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 622.47 Td (NM) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 589.30 Td (Discussion of Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 574.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.33 574.90 Td (income ) Tj ET Q q 0 0 0 rg BT 108.65 574.90 Td (was ) Tj ET Q q 0 0 0 rg BT 130.31 574.90 Td ($250 ) Tj ET Q q 0 0 0 rg BT 157.31 574.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 197.98 574.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 248.29 574.90 Td (with ) Tj ET Q q 0 0 0 rg BT 272.62 574.90 Td (a ) Tj ET Q q 0 0 0 rg BT 280.95 574.90 Td (net ) Tj ET Q q 0 0 0 rg BT 298.61 574.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 320.28 574.90 Td (of ) Tj ET Q q 0 0 0 rg BT 333.28 574.90 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 357.28 574.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 391.61 574.90 Td (in ) Tj ET Q q 0 0 0 rg BT 403.95 574.90 Td (the ) Tj ET Q q 0 0 0 rg BT 421.61 574.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 447.93 574.90 Td (year) Tj ET Q q 0 0 0 rg BT 467.92 574.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 548.50 Td (Private ) Tj ET Q q 0 0 0 rg BT 87.38 548.50 Td (Equity ) Tj ET Q q 0 0 0 rg BT 122.78 548.50 Td (reported ) Tj ET Q q 0 0 0 rg BT 166.15 548.50 Td (a ) Tj ET Q q 0 0 0 rg BT 174.87 548.50 Td (net ) Tj ET Q q 0 0 0 rg BT 192.92 548.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 214.99 548.50 Td (of ) Tj ET Q q 0 0 0 rg BT 228.38 548.50 Td ($182 ) Tj ET Q q 0 0 0 rg BT 255.78 548.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 296.84 548.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 347.54 548.50 Td (with ) Tj ET Q q 0 0 0 rg BT 372.27 548.50 Td (net ) Tj ET Q q 0 0 0 rg BT 390.32 548.50 Td (income ) Tj ET Q q 0 0 0 rg BT 429.04 548.50 Td (of ) Tj ET Q q 0 0 0 rg BT 442.43 548.50 Td ($134 ) Tj ET Q q 0 0 0 rg BT 469.82 548.50 Td (million ) Tj ET Q q 0 0 0 rg BT 507.89 548.50 Td (in ) Tj ET Q q 0 0 0 rg BT 520.61 548.50 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 548.50 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 534.10 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 534.10 Td (. ) Tj ET Q q 0 0 0 rg BT 76.09 534.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 96.52 534.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 137.59 534.10 Td (was ) Tj ET Q q 0 0 0 rg BT 159.36 534.10 Td (a ) Tj ET Q q 0 0 0 rg BT 167.79 534.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 189.56 534.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.66 534.10 Td ($276 ) Tj ET Q q 0 0 0 rg BT 229.77 534.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 270.54 534.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 320.95 534.10 Td (with ) Tj ET Q q 0 0 0 rg BT 345.39 534.10 Td (net ) Tj ET Q q 0 0 0 rg BT 363.15 534.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 404.23 534.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.32 534.10 Td ($254 ) Tj ET Q q 0 0 0 rg BT 444.43 534.10 Td (million ) Tj ET Q q 0 0 0 rg BT 482.20 534.10 Td (in ) Tj ET Q q 0 0 0 rg BT 494.64 534.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.40 534.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.83 534.10 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 534.10 Td (, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 519.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 97.65 519.70 Td (due ) Tj ET Q q 0 0 0 rg BT 117.98 519.70 Td (to ) Tj ET Q q 0 0 0 rg BT 130.31 519.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 163.97 519.70 Td (net ) Tj ET Q q 0 0 0 rg BT 181.63 519.70 Td (valuation ) Tj ET Q q 0 0 0 rg BT 229.29 519.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 260.96 519.70 Td (on ) Tj ET Q q 0 0 0 rg BT 275.96 519.70 Td (private ) Tj ET Q q 0 0 0 rg BT 312.27 519.70 Td (investments. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 493.30 Td (T) Tj ET Q q 0 0 0 rg BT 56.91 493.30 Td (reasury ) Tj ET Q q 0 0 0 rg BT 95.01 493.30 Td (and ) Tj ET Q q 0 0 0 rg BT 115.12 493.30 Td (CIO ) Tj ET Q q 0 0 0 rg BT 138.56 493.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 181.33 493.30 Td (net ) Tj ET Q q 0 0 0 rg BT 198.77 493.30 Td (income ) Tj ET Q q 0 0 0 rg BT 236.87 493.30 Td (of ) Tj ET Q q 0 0 0 rg BT 249.65 493.30 Td ($24 ) Tj ET Q q 0 0 0 rg BT 270.44 493.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 310.89 493.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 360.98 493.30 Td (with ) Tj ET Q q 0 0 0 rg BT 385.10 493.30 Td (a ) Tj ET Q q 0 0 0 rg BT 393.21 493.30 Td (net ) Tj ET Q q 0 0 0 rg BT 410.65 493.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 432.11 493.30 Td (of ) Tj ET Q q 0 0 0 rg BT 444.89 493.30 Td ($227 ) Tj ET Q q 0 0 0 rg BT 471.67 493.30 Td (million ) Tj ET Q q 0 0 0 rg BT 509.12 493.30 Td (in ) Tj ET Q q 0 0 0 rg BT 521.24 493.30 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 493.30 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 478.90 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 478.90 Td (. ) Tj ET Q q 0 0 0 rg BT 76.70 478.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 97.75 478.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 139.44 478.90 Td (was ) Tj ET Q q 0 0 0 rg BT 161.82 478.90 Td ($1) Tj ET Q q 0 0 0 rg BT 173.38 478.90 Td (13 ) Tj ET Q q 0 0 0 rg BT 189.09 478.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 230.48 478.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 281.51 478.90 Td (with ) Tj ET Q q 0 0 0 rg BT 306.56 478.90 Td (a ) Tj ET Q q 0 0 0 rg BT 315.60 478.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 337.99 478.90 Td (of ) Tj ET Q q 0 0 0 rg BT 351.71 478.90 Td ($233 ) Tj ET Q q 0 0 0 rg BT 379.43 478.90 Td (million ) Tj ET Q q 0 0 0 rg BT 417.81 478.90 Td (in ) Tj ET Q q 0 0 0 rg BT 430.87 478.90 Td (the ) Tj ET Q q 0 0 0 rg BT 449.24 478.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 476.29 478.90 Td (year) Tj ET Q q 0 0 0 rg BT 496.27 478.90 Td (. ) Tj ET Q q 0 0 0 rg BT 502.99 478.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 524.04 478.90 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 464.50 Td (included ) Tj ET Q q 0 0 0 rg BT 94.94 464.50 Td (net ) Tj ET Q q 0 0 0 rg BT 113.22 464.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 162.16 464.50 Td (gains ) Tj ET Q q 0 0 0 rg BT 191.11 464.50 Td (of ) Tj ET Q q 0 0 0 rg BT 204.72 464.50 Td ($503 ) Tj ET Q q 0 0 0 rg BT 232.34 464.50 Td (million ) Tj ET Q q 0 0 0 rg BT 270.63 464.50 Td (from ) Tj ET Q q 0 0 0 rg BT 297.58 464.50 Td (sales ) Tj ET Q q 0 0 0 rg BT 324.52 464.50 Td (of ) Tj ET Q q 0 0 0 rg BT 338.14 464.50 Td (available-for) Tj ET Q q 0 0 0 rg BT 399.19 464.50 Td (-sale ) Tj ET Q q 0 0 0 rg BT 425.46 464.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 481.74 464.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 530.68 464.50 Td (during ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 450.10 Td (the ) Tj ET Q q 0 0 0 rg BT 68.76 450.10 Td (current ) Tj ET Q q 0 0 0 rg BT 106.84 450.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 140.16 450.10 Td (. ) Tj ET Q q 0 0 0 rg BT 147.26 450.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 168.68 450.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 208.10 450.10 Td (income ) Tj ET Q q 0 0 0 rg BT 247.52 450.10 Td (was ) Tj ET Q q 0 0 0 rg BT 270.28 450.10 Td (a ) Tj ET Q q 0 0 0 rg BT 279.71 450.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 302.48 450.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.58 450.10 Td ($472 ) Tj ET Q q 0 0 0 rg BT 344.68 450.10 Td (million ) Tj ET Q q 0 0 0 rg BT 383.45 450.10 Td (due ) Tj ET Q q 0 0 0 rg BT 404.88 450.10 Td (to ) Tj ET Q q 0 0 0 rg BT 418.31 450.10 Td (low ) Tj ET Q q 0 0 0 rg BT 440.41 450.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 479.83 450.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 506.58 450.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.01 450.10 Td (limited ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 435.70 Td (reinvestment ) Tj ET Q q 0 0 0 rg BT 114.98 435.70 Td (opportunities.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 409.30 Td (Other Corporate reported net income of $408 million, compared with a net loss of $929 million in the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 394.90 Td (prior year) Tj ET Q q 0 0 0 rg BT 96.31 394.90 Td (. ) Tj ET Q q 0 0 0 rg BT 102.10 394.90 Td (The current quarter included an after) Tj ET Q q 0 0 0 rg BT 278.09 394.90 Td (-tax benefit of $227 million for tax adjustments. ) Tj ET Q q 0 0 0 rg BT 511.50 394.90 Td (The prior) Tj ET Q q 0 0 0 rg BT 556.24 394.90 Td (-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 380.50 Td (year noninterest expense included $2.5 billion of additional litigation reserves.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 357.10 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 194.02 362.54 Td (\(*\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 335.79999999999995 m 50.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 335.79999999999995 m 231.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 335.79999999999995 m 231.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 335.79999999999995 m 276.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 335.79999999999995 m 280.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 335.79999999999995 m 280.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 335.79999999999995 m 325.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 335.79999999999995 m 329.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 335.79999999999995 m 329.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 335.79999999999995 m 374.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 335.79999999999995 m 378.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 335.79999999999995 m 378.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 335.79999999999995 m 423.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 320.79999999999995 m 423.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 335.79999999999995 m 468.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 320.79999999999995 m 468.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 335.79999999999995 m 472.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 320.79999999999995 m 472.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 335.79999999999995 m 472.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 335.79999999999995 m 517.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 320.79999999999995 m 517.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 335.79999999999995 m 562.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 335.79999999999995 m 562.5 335.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 320.79999999999995 m 562.5 320.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 320.79999999999995 m 50.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 305.79999999999995 m 231.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 320.79999999999995 m 231.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 305.79999999999995 m 276.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 305.79999999999995 m 280.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 320.79999999999995 m 280.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 305.79999999999995 m 325.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 305.79999999999995 m 329.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 320.79999999999995 m 329.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 305.79999999999995 m 374.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 305.79999999999995 m 378.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 320.79999999999995 m 378.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 305.79999999999995 m 423.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 320.79999999999995 m 423.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 305.79999999999995 m 468.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 305.79999999999995 m 472.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 320.79999999999995 m 472.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 305.79999999999995 m 517.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 320.79999999999995 m 517.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 320.79999999999995 m 562.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 305.79999999999995 m 562.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 305.79999999999995 m 50.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 290.79999999999995 m 231.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 305.79999999999995 m 231.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 305.79999999999995 m 276.5 305.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 290.79999999999995 m 276.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 290.79999999999995 m 280.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 305.79999999999995 m 280.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 290.79999999999995 m 325.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 290.79999999999995 m 329.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 305.79999999999995 m 329.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 290.79999999999995 m 374.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 290.79999999999995 m 378.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 305.79999999999995 m 378.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 290.79999999999995 m 423.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 305.79999999999995 m 423.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 290.79999999999995 m 468.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 290.79999999999995 m 472.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 305.79999999999995 m 472.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 290.79999999999995 m 517.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 305.79999999999995 m 517.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 305.79999999999995 m 562.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 290.79999999999995 m 562.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 290.79999999999995 m 50.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 275.79999999999995 m 231.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 290.79999999999995 m 231.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 290.79999999999995 m 276.5 290.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 275.79999999999995 m 276.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 275.79999999999995 m 280.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 290.79999999999995 m 280.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 275.79999999999995 m 325.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 275.79999999999995 m 329.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 290.79999999999995 m 329.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 275.79999999999995 m 374.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 275.79999999999995 m 378.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 290.79999999999995 m 378.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 275.79999999999995 m 423.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 290.79999999999995 m 423.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 275.79999999999995 m 468.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 275.79999999999995 m 472.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 290.79999999999995 m 472.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 275.79999999999995 m 517.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 290.79999999999995 m 517.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 290.79999999999995 m 562.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 275.79999999999995 m 562.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 275.79999999999995 m 50.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 260.79999999999995 m 231.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 275.79999999999995 m 231.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 275.79999999999995 m 276.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 260.79999999999995 m 276.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 260.79999999999995 m 280.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 275.79999999999995 m 280.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 260.79999999999995 m 325.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 260.79999999999995 m 329.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 275.79999999999995 m 329.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 260.79999999999995 m 374.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 260.79999999999995 m 378.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 275.79999999999995 m 378.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 260.79999999999995 m 423.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 275.79999999999995 m 423.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 260.79999999999995 m 468.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 260.79999999999995 m 472.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 275.79999999999995 m 472.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 260.79999999999995 m 517.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 275.79999999999995 m 517.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 275.79999999999995 m 562.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 260.79999999999995 m 562.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 260.79999999999995 m 50.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 245.79999999999995 m 231.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 260.79999999999995 m 231.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 260.79999999999995 m 276.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 245.79999999999995 m 276.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 245.79999999999995 m 280.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 260.79999999999995 m 280.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 245.79999999999995 m 325.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 245.79999999999995 m 329.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 260.79999999999995 m 329.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 245.79999999999995 m 374.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 245.79999999999995 m 378.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 260.79999999999995 m 378.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 245.79999999999995 m 423.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 260.79999999999995 m 423.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 260.79999999999995 m 468.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 260.79999999999995 m 468.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 245.79999999999995 m 468.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 245.79999999999995 m 472.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 260.79999999999995 m 472.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 260.79999999999995 m 517.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 260.79999999999995 m 517.5 260.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 245.79999999999995 m 517.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 260.79999999999995 m 517.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 260.79999999999995 m 562.5 245.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 245.79999999999995 m 562.5 245.79999999999995 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 325.67 Td (Results for JPM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 325.67 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 325.67 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 310.67 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 310.67 Td (1Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 310.67 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 310.67 Td (1Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 310.67 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 310.67 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 310.67 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 310.67 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 295.67 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 295.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 295.67 Td (25,848) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 295.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 291.00 295.67 Td (24,378) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 295.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 340.00 295.67 Td (26,757) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 295.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 394.50 295.67 Td (1,470) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 453.30 295.67 Td (6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 295.67 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 295.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 295.67 Td (\(909) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 295.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 295.67 Td (\(3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 295.67 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 280.67 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 280.67 Td (617) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 280.67 Td (656) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 280.67 Td (726) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 404.60 280.67 Td (\(39) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 280.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.60 280.67 Td (\(6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 280.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 280.67 Td (\(109) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 280.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 280.67 Td (\(15) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 280.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 265.67 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 265.67 Td (15,423) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 291.00 265.67 Td (16,047) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 340.00 265.67 Td (18,345) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 265.67 Td (\(624) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 265.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.60 265.67 Td (\(4) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 265.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 265.67 Td (\(2,922) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 265.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 265.67 Td (\(16) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 265.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 250.67 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 250.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 250.67 Td (6,529) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 250.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 250.67 Td (5,692) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 250.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 250.67 Td (4,924) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 250.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 250.67 Td (837) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.80 250.67 Td (15) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 250.67 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 250.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 488.50 250.67 Td (1,605) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 538.15 250.67 Td (33) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 250.67 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F2 8.00 Tf ET q 0 0 0 rg BT 50.00 236.70 Td (\(*\) Presented on a managed basis. See notes on page 13 for further explanation of managed basis. Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 458.48 236.70 Td ( basis totaled ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.25 236.70 Td ($25,122 million) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 553.36 236.70 Td (, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 59.00 227.10 Td ($23,653 million) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 110.11 227.10 Td (, and ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 127.66 227.10 Td ($26,052 million) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 178.78 227.10 Td ( for the first quarter of 2013, fourth quarter of 2012, and first quarter of 2012, respectively) Tj ET Q q 0 0 0 rg BT 466.83 227.10 Td (. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 198.30 Td (Discussion of Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 183.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.52 183.90 Td (income ) Tj ET Q q 0 0 0 rg BT 107.03 183.90 Td (was ) Tj ET Q q 0 0 0 rg BT 127.88 183.90 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 151.07 183.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 187.60 183.90 Td (up ) Tj ET Q q 0 0 0 rg BT 201.79 183.90 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 224.98 183.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 261.51 183.90 Td (or ) Tj ET Q q 0 0 0 rg BT 273.70 183.90 Td (33%, ) Tj ET Q q 0 0 0 rg BT 300.89 183.90 Td (from ) Tj ET Q q 0 0 0 rg BT 326.40 183.90 Td (the ) Tj ET Q q 0 0 0 rg BT 343.26 183.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 368.77 183.90 Td (year) Tj ET Q q 0 0 0 rg BT 388.76 183.90 Td (. ) Tj ET Q q 0 0 0 rg BT 393.79 183.90 Td (The ) Tj ET Q q 0 0 0 rg BT 414.64 183.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 456.14 183.90 Td (in ) Tj ET Q q 0 0 0 rg BT 467.66 183.90 Td (earnings ) Tj ET Q q 0 0 0 rg BT 510.51 183.90 Td (was ) Tj ET Q q 0 0 0 rg BT 531.36 183.90 Td (driven ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 169.50 Td (by ) Tj ET Q q 0 0 0 rg BT 65.00 169.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 95.32 169.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 151.64 169.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 193.29 169.50 Td (and ) Tj ET Q q 0 0 0 rg BT 213.62 169.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 243.94 169.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 292.27 169.50 Td (for ) Tj ET Q q 0 0 0 rg BT 309.27 169.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 339.58 169.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 374.25 169.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 417.24 169.50 Td (of) Tj ET Q q 0 0 0 rg BT 427.02 169.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 447.34 169.50 Td (by ) Tj ET Q q 0 0 0 rg BT 462.34 169.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 492.66 169.50 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 143.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.56 143.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 109.78 143.10 Td (was ) Tj ET Q q 0 0 0 rg BT 130.68 143.10 Td ($25.8 ) Tj ET Q q 0 0 0 rg BT 159.92 143.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 196.49 143.10 Td (down ) Tj ET Q q 0 0 0 rg BT 225.39 143.10 Td ($909 ) Tj ET Q q 0 0 0 rg BT 251.63 143.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 291.54 143.10 Td (or ) Tj ET Q q 0 0 0 rg BT 303.78 143.10 Td (3%, ) Tj ET Q q 0 0 0 rg BT 325.01 143.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.56 143.10 Td (with ) Tj ET Q q 0 0 0 rg BT 398.13 143.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.03 143.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.59 143.10 Td (year) Tj ET Q q 0 0 0 rg BT 460.58 143.10 Td (. ) Tj ET Q q 0 0 0 rg BT 465.82 143.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.04 143.10 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 128.70 Td (was ) Tj ET Q q 0 0 0 rg BT 71.83 128.70 Td ($14.8 ) Tj ET Q q 0 0 0 rg BT 102.00 128.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 139.51 128.70 Td (down ) Tj ET Q q 0 0 0 rg BT 169.34 128.70 Td ($167 ) Tj ET Q q 0 0 0 rg BT 196.51 128.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 237.35 128.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 287.83 128.70 Td (with ) Tj ET Q q 0 0 0 rg BT 312.34 128.70 Td (the ) Tj ET Q q 0 0 0 rg BT 330.17 128.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.66 128.70 Td (year) Tj ET Q q 0 0 0 rg BT 376.65 128.70 Td (. ) Tj ET Q q 0 0 0 rg BT 382.59 128.70 Td (The ) Tj ET Q q 0 0 0 rg BT 404.42 128.70 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 479.54 128.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 520.68 128.70 Td (included ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 114.30 Td (a ) Tj ET Q q 0 0 0 rg BT 57.06 114.30 Td ($126 ) Tj ET Q q 0 0 0 rg BT 82.79 114.30 Td (million ) Tj ET Q q 0 0 0 rg BT 119.19 114.30 Td (gain ) Tj ET Q q 0 0 0 rg BT 141.58 114.30 Td (from ) Tj ET Q q 0 0 0 rg BT 166.63 114.30 Td (DV) Tj ET Q q 0 0 0 rg BT 182.42 114.30 Td (A) Tj ET Q q 0 0 0 rg BT 190.42 114.30 Td ( ) Tj ET Q q 0 0 0 rg BT 192.15 114.30 Td (on ) Tj ET Q q 0 0 0 rg BT 205.88 114.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 240.25 114.30 Td (structured ) Tj ET Q q 0 0 0 rg BT 289.97 114.30 Td (notes ) Tj ET Q q 0 0 0 rg BT 317.03 114.30 Td (and ) Tj ET Q q 0 0 0 rg BT 336.08 114.30 Td (derivative ) Tj ET Q q 0 0 0 rg BT 385.79 114.30 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 432.18 114.30 Td (resulting ) Tj ET Q q 0 0 0 rg BT 475.90 114.30 Td (from ) Tj ET Q q 0 0 0 rg BT 500.96 114.30 Td (the ) Tj ET Q q 0 0 0 rg BT 517.35 114.30 Td (widening ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 99.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.71 99.90 Td (the ) Tj ET Q q 0 0 0 rg BT 82.09 99.90 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 115.97 99.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.00 99.90 Td (spreads. ) Tj ET Q q 0 0 0 rg BT 189.71 99.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 210.75 99.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 249.78 99.90 Td (income ) Tj ET Q q 0 0 0 rg BT 288.82 99.90 Td (was ) Tj ET Q q 0 0 0 rg BT 311.19 99.90 Td ($1) Tj ET Q q 0 0 0 rg BT 322.75 99.90 Td (1.1 ) Tj ET Q q 0 0 0 rg BT 341.46 99.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 379.51 99.90 Td (down ) Tj ET Q q 0 0 0 rg BT 409.89 99.90 Td ($742million, ) Tj ET Q q 0 0 0 rg BT 478.28 99.90 Td (or ) Tj ET Q q 0 0 0 rg BT 491.99 99.90 Td (6%, ) Tj ET Q q 0 0 0 rg BT 514.70 99.90 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 85.50 Td (with ) Tj ET Q q 0 0 0 rg BT 73.79 85.50 Td (the ) Tj ET Q q 0 0 0 rg BT 90.90 85.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 116.69 85.50 Td (year) Tj ET Q q 0 0 0 rg BT 136.85 85.50 Td (, ) Tj ET Q q 0 0 0 rg BT 142.31 85.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 190.74 85.50 Td (the ) Tj ET Q q 0 0 0 rg BT 207.85 85.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 242.96 85.50 Td (of ) Tj ET Q q 0 0 0 rg BT 255.41 85.50 Td (low ) Tj ET Q q 0 0 0 rg BT 275.87 85.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 313.64 85.50 Td (rates, ) Tj ET Q q 0 0 0 rg BT 341.75 85.50 Td (as ) Tj ET Q q 0 0 0 rg BT 354.20 85.50 Td (well ) Tj ET Q q 0 0 0 rg BT 377.32 85.50 Td (as ) Tj ET Q q 0 0 0 rg BT 389.77 85.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 419.54 85.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 442.66 85.50 Td (yields ) Tj ET Q q 0 0 0 rg BT 473.78 85.50 Td (due ) Tj ET Q q 0 0 0 rg BT 493.56 85.50 Td (to ) Tj ET Q q 0 0 0 rg BT 505.35 85.50 Td (competitive ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 71.10 Td (pressures ) Tj ET Q q 0 0 0 rg BT 98.23 71.10 Td (and ) Tj ET Q q 0 0 0 rg BT 119.13 71.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 164.70 71.10 Td (run-of) Tj ET Q q 0 0 0 rg BT 194.47 71.10 Td (f, ) Tj ET Q q 0 0 0 rg BT 205.04 71.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 235.94 71.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 292.18 71.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 341.07 71.10 Td (yield, ) Tj ET Q q 0 0 0 rg BT 371.64 71.10 Td (and ) Tj ET Q q 0 0 0 rg BT 392.54 71.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 430.11 71.10 Td (reinvestment ) Tj ET Q q 0 0 0 rg BT 495.67 71.10 Td (opportunities, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 56.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 92.98 56.70 Td (of) Tj ET Q q 0 0 0 rg BT 102.76 56.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 123.09 56.70 Td (by ) Tj ET Q q 0 0 0 rg BT 138.09 56.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 168.41 56.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 218.73 56.70 Td (debt ) Tj ET Q q 0 0 0 rg BT 242.39 56.70 Td (costs, ) Tj ET Q q 0 0 0 rg BT 272.39 56.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 320.05 56.70 Td (due ) Tj ET Q q 0 0 0 rg BT 340.37 56.70 Td (to ) Tj ET Q q 0 0 0 rg BT 352.71 56.70 Td (a ) Tj ET Q q 0 0 0 rg BT 361.03 56.70 Td (change ) Tj ET Q q 0 0 0 rg BT 398.01 56.70 Td (in ) Tj ET Q q 0 0 0 rg BT 410.35 56.70 Td (mix ) Tj ET Q q 0 0 0 rg BT 432.01 56.70 Td (and ) Tj ET Q q 0 0 0 rg BT 452.34 56.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 482.66 56.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 520.33 56.70 Td (costs.) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 727.70 Td (The ) Tj ET Q q 0 0 0 rg BT 71.45 727.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.58 727.70 Td (for ) Tj ET Q q 0 0 0 rg BT 136.37 727.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.48 727.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.94 727.70 Td (was ) Tj ET Q q 0 0 0 rg BT 219.40 727.70 Td ($617 ) Tj ET Q q 0 0 0 rg BT 246.20 727.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 286.66 727.70 Td (down ) Tj ET Q q 0 0 0 rg BT 316.12 727.70 Td ($109 ) Tj ET Q q 0 0 0 rg BT 342.92 727.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 383.38 727.70 Td (or ) Tj ET Q q 0 0 0 rg BT 396.17 727.70 Td (15%, ) Tj ET Q q 0 0 0 rg BT 423.96 727.70 Td (from ) Tj ET Q q 0 0 0 rg BT 450.08 727.70 Td (the ) Tj ET Q q 0 0 0 rg BT 467.54 727.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 493.66 727.70 Td (year) Tj ET Q q 0 0 0 rg BT 513.65 727.70 Td (. ) Tj ET Q q 0 0 0 rg BT 519.24 727.70 Td (The ) Tj ET Q q 0 0 0 rg BT 540.69 727.70 Td (total ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 713.30 Td (consumer ) Tj ET Q q 0 0 0 rg BT 99.76 713.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 148.19 713.30 Td (for ) Tj ET Q q 0 0 0 rg BT 165.29 713.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 195.71 713.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 227.48 713.30 Td (was ) Tj ET Q q 0 0 0 rg BT 249.25 713.30 Td ($545 ) Tj ET Q q 0 0 0 rg BT 276.35 713.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 317.13 713.30 Td (down ) Tj ET Q q 0 0 0 rg BT 346.90 713.30 Td ($92 ) Tj ET Q q 0 0 0 rg BT 368.00 713.30 Td (million ) Tj ET Q q 0 0 0 rg BT 405.78 713.30 Td (from ) Tj ET Q q 0 0 0 rg BT 432.21 713.30 Td (the ) Tj ET Q q 0 0 0 rg BT 449.97 713.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 476.40 713.30 Td (year) Tj ET Q q 0 0 0 rg BT 496.39 713.30 Td (. ) Tj ET Q q 0 0 0 rg BT 502.27 713.30 Td (The ) Tj ET Q q 0 0 0 rg BT 524.03 713.30 Td (current-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 698.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 88.25 698.90 Td (consumer ) Tj ET Q q 0 0 0 rg BT 139.18 698.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 188.78 698.90 Td (included ) Tj ET Q q 0 0 0 rg BT 234.38 698.90 Td (a ) Tj ET Q q 0 0 0 rg BT 243.98 698.90 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 269.25 698.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 304.86 698.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 354.45 698.90 Td (in ) Tj ET Q q 0 0 0 rg BT 368.05 698.90 Td (the ) Tj ET Q q 0 0 0 rg BT 386.99 698.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 439.90 698.90 Td (for ) Tj ET Q q 0 0 0 rg BT 458.16 698.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 483.10 698.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 516.04 698.90 Td (reflecting ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 684.50 Td (improved ) Tj ET Q q 0 0 0 rg BT 97.79 684.50 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 158.23 684.50 Td (trends ) Tj ET Q q 0 0 0 rg BT 189.35 684.50 Td (and ) Tj ET Q q 0 0 0 rg BT 208.47 684.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 237.59 684.50 Td (estimated ) Tj ET Q q 0 0 0 rg BT 285.37 684.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 315.84 684.50 Td (in ) Tj ET Q q 0 0 0 rg BT 326.97 684.50 Td (the ) Tj ET Q q 0 0 0 rg BT 343.42 684.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 390.54 684.50 Td (and ) Tj ET Q q 0 0 0 rg BT 409.66 684.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 438.77 684.50 Td (card ) Tj ET Q q 0 0 0 rg BT 461.21 684.50 Td (portfolios. ) Tj ET Q q 0 0 0 rg BT 512.67 684.50 Td (Consumer ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (net ) Tj ET Q q 0 0 0 rg BT 68.25 670.10 Td (char) Tj ET Q q 0 0 0 rg BT 88.69 670.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 113.79 670.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 126.05 670.10 Td (were ) Tj ET Q q 0 0 0 rg BT 152.96 670.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 177.55 670.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 215.48 670.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 266.39 670.10 Td (with ) Tj ET Q q 0 0 0 rg BT 291.32 670.10 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 315.91 670.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 350.84 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 363.77 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.02 670.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 408.95 670.10 Td (year) Tj ET Q q 0 0 0 rg BT 429.11 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 435.71 670.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 481.30 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 494.23 670.10 Td (net ) Tj ET Q q 0 0 0 rg BT 512.48 670.10 Td (char) Tj ET Q q 0 0 0 rg BT 532.91 670.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 558.01 670.10 Td (f ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 655.70 Td (rates ) Tj ET Q q 0 0 0 rg BT 76.81 655.70 Td (of ) Tj ET Q q 0 0 0 rg BT 90.97 655.70 Td (1.92% ) Tj ET Q q 0 0 0 rg BT 126.12 655.70 Td (and ) Tj ET Q q 0 0 0 rg BT 147.61 655.70 Td (2.60%, ) Tj ET Q q 0 0 0 rg BT 185.76 655.70 Td (respectively) Tj ET Q q 0 0 0 rg BT 242.95 655.70 Td (. ) Tj ET Q q 0 0 0 rg BT 249.81 655.70 Td (The ) Tj ET Q q 0 0 0 rg BT 272.63 655.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 318.08 655.70 Td (in ) Tj ET Q q 0 0 0 rg BT 331.58 655.70 Td (consumer ) Tj ET Q q 0 0 0 rg BT 382.39 655.70 Td (net ) Tj ET Q q 0 0 0 rg BT 401.21 655.70 Td (char) Tj ET Q q 0 0 0 rg BT 421.64 655.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 446.74 655.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 459.56 655.70 Td (was ) Tj ET Q q 0 0 0 rg BT 482.38 655.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 531.20 655.70 Td (due ) Tj ET Q q 0 0 0 rg BT 552.68 655.70 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 641.30 Td (improved ) Tj ET Q q 0 0 0 rg BT 99.94 641.30 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 162.54 641.30 Td (trends. ) Tj ET Q q 0 0 0 rg BT 198.53 641.30 Td (The ) Tj ET Q q 0 0 0 rg BT 221.14 641.30 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 273.07 641.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 322.35 641.30 Td (for ) Tj ET Q q 0 0 0 rg BT 340.30 641.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 371.56 641.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 404.18 641.30 Td (was ) Tj ET Q q 0 0 0 rg BT 426.80 641.30 Td ($72million, ) Tj ET Q q 0 0 0 rg BT 489.42 641.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.68 641.30 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 626.90 Td ($89million ) Tj ET Q q 0 0 0 rg BT 108.70 626.90 Td (in ) Tj ET Q q 0 0 0 rg BT 121.07 626.90 Td (the ) Tj ET Q q 0 0 0 rg BT 138.76 626.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 165.11 626.90 Td (year) Tj ET Q q 0 0 0 rg BT 185.10 626.90 Td (. ) Tj ET Q q 0 0 0 rg BT 190.91 626.90 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 244.58 626.90 Td (net ) Tj ET Q q 0 0 0 rg BT 262.28 626.90 Td (char) Tj ET Q q 0 0 0 rg BT 282.71 626.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 307.81 626.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 319.51 626.90 Td (were ) Tj ET Q q 0 0 0 rg BT 345.85 626.90 Td ($35million, ) Tj ET Q q 0 0 0 rg BT 407.55 626.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 457.89 626.90 Td (with ) Tj ET Q q 0 0 0 rg BT 482.26 626.90 Td ($5 ) Tj ET Q q 0 0 0 rg BT 497.29 626.90 Td (million ) Tj ET Q q 0 0 0 rg BT 534.99 626.90 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 626.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 612.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.01 612.50 Td (year) Tj ET Q q 0 0 0 rg BT 96.18 612.50 Td (, ) Tj ET Q q 0 0 0 rg BT 101.86 612.50 Td (resulting ) Tj ET Q q 0 0 0 rg BT 146.53 612.50 Td (in ) Tj ET Q q 0 0 0 rg BT 158.55 612.50 Td (net ) Tj ET Q q 0 0 0 rg BT 175.89 612.50 Td (char) Tj ET Q q 0 0 0 rg BT 196.32 612.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 221.43 612.50 Td (f ) Tj ET Q q 0 0 0 rg BT 228.10 612.50 Td (rates ) Tj ET Q q 0 0 0 rg BT 253.44 612.50 Td (of ) Tj ET Q q 0 0 0 rg BT 266.12 612.50 Td (0.05% ) Tj ET Q q 0 0 0 rg BT 299.80 612.50 Td (and ) Tj ET Q q 0 0 0 rg BT 319.80 612.50 Td (0.01%, ) Tj ET Q q 0 0 0 rg BT 356.48 612.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 413.68 612.50 Td (. ) Tj ET Q q 0 0 0 rg BT 419.16 612.50 Td (The ) Tj ET Q q 0 0 0 rg BT 440.50 612.50 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 473.35 612.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 524.67 612.50 Td (for ) Tj ET Q q 0 0 0 rg BT 541.35 612.50 Td (loan ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 83.30 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.27 598.10 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 167.88 598.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 197.84 598.10 Td (retained) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 236.48 603.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 240.38 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.02 598.10 Td (was ) Tj ET Q q 0 0 0 rg BT 268.31 598.10 Td (2.27%, ) Tj ET Q q 0 0 0 rg BT 306.94 598.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 358.88 598.10 Td (with ) Tj ET Q q 0 0 0 rg BT 384.85 598.10 Td (3.1) Tj ET Q q 0 0 0 rg BT 399.41 598.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 420.04 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 434.00 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.30 598.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.26 598.10 Td (year) Tj ET Q q 0 0 0 rg BT 501.24 598.10 Td (. ) Tj ET Q q 0 0 0 rg BT 508.54 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 531.83 598.10 Td (Firm's ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 583.70 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 125.14 583.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 156.29 583.70 Td (totaled ) Tj ET Q q 0 0 0 rg BT 192.10 583.70 Td ($1) Tj ET Q q 0 0 0 rg BT 203.65 583.70 Td (1.6billion ) Tj ET Q q 0 0 0 rg BT 256.14 583.70 Td (at ) Tj ET Q q 0 0 0 rg BT 267.96 583.70 Td (March ) Tj ET Q q 0 0 0 rg BT 302.43 583.70 Td (31, ) Tj ET Q q 0 0 0 rg BT 320.59 583.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 350.74 583.70 Td (down ) Tj ET Q q 0 0 0 rg BT 380.57 583.70 Td (from ) Tj ET Q q 0 0 0 rg BT 407.05 583.70 Td ($1) Tj ET Q q 0 0 0 rg BT 418.60 583.70 Td (1.7 ) Tj ET Q q 0 0 0 rg BT 436.76 583.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 471.25 583.70 Td (in ) Tj ET Q q 0 0 0 rg BT 483.74 583.70 Td (the ) Tj ET Q q 0 0 0 rg BT 501.55 583.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 528.03 583.70 Td (quarter ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 569.30 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 569.30 Td (down ) Tj ET Q q 0 0 0 rg BT 99.99 569.30 Td (from ) Tj ET Q q 0 0 0 rg BT 126.32 569.30 Td ($12.0 ) Tj ET Q q 0 0 0 rg BT 156.32 569.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 190.65 569.30 Td (in ) Tj ET Q q 0 0 0 rg BT 202.99 569.30 Td (the ) Tj ET Q q 0 0 0 rg BT 220.65 569.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 246.97 569.30 Td (year) Tj ET Q q 0 0 0 rg BT 266.96 569.30 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 542.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.81 542.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.29 542.90 Td (was ) Tj ET Q q 0 0 0 rg BT 171.78 542.90 Td ($15.4 ) Tj ET Q q 0 0 0 rg BT 201.61 542.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 238.77 542.90 Td (down ) Tj ET Q q 0 0 0 rg BT 268.26 542.90 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 292.09 542.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 329.25 542.90 Td (or ) Tj ET Q q 0 0 0 rg BT 342.08 542.90 Td (16%, ) Tj ET Q q 0 0 0 rg BT 369.90 542.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 420.03 542.90 Td (with ) Tj ET Q q 0 0 0 rg BT 444.20 542.90 Td (the ) Tj ET Q q 0 0 0 rg BT 461.68 542.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 487.84 542.90 Td (year) Tj ET Q q 0 0 0 rg BT 507.82 542.90 Td (. ) Tj ET Q q 0 0 0 rg BT 513.45 542.90 Td (The ) Tj ET Q q 0 0 0 rg BT 534.93 542.90 Td (prior) Tj ET Q q 0 0 0 rg BT 558.01 542.90 Td (-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 528.50 Td (year ) Tj ET Q q 0 0 0 rg BT 73.65 528.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 129.97 528.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 171.62 528.50 Td (included ) Tj ET Q q 0 0 0 rg BT 215.94 528.50 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 239.94 528.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 274.27 528.50 Td (of ) Tj ET Q q 0 0 0 rg BT 287.27 528.50 Td (additional ) Tj ET Q q 0 0 0 rg BT 338.26 528.50 Td (litigation ) Tj ET Q q 0 0 0 rg BT 384.59 528.50 Td (reserves.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 502.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 502.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 502.10 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 493.14 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 493.14 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 493.14 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 493.14 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 493.14 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 493.14 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 493.14 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 493.14 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 493.14 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 493.14 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 470.71 cm /I70 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 473.30 Td (Basel ) Tj ET Q q 0 0 0 rg BT 133.67 473.30 Td (I ) Tj ET Q q 0 0 0 rg BT 140.46 473.30 Td (T) Tj ET Q q 0 0 0 rg BT 147.37 473.30 Td (ier ) Tj ET Q q 0 0 0 rg BT 163.04 473.30 Td (1 ) Tj ET Q q 0 0 0 rg BT 172.05 473.30 Td (common ) Tj ET Q q 0 0 0 rg BT 217.06 473.30 Td (ratio) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 239.05 478.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 242.95 473.30 Td ( ) Tj ET Q q 0 0 0 rg BT 245.96 473.30 Td (was ) Tj ET Q q 0 0 0 rg BT 267.63 473.30 Td (10.2% ) Tj ET Q q 0 0 0 rg BT 301.64 473.30 Td (at ) Tj ET Q q 0 0 0 rg BT 313.31 473.30 Td (March ) Tj ET Q q 0 0 0 rg BT 347.64 473.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 365.65 473.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 395.66 473.30 Td (including ) Tj ET Q q 0 0 0 rg BT 444.00 473.30 Td (the ) Tj ET Q q 0 0 0 rg BT 461.68 473.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 497.34 473.30 Td (of ) Tj ET Q q 0 0 0 rg BT 510.35 473.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 458.90 Td (Basel ) Tj ET Q q 0 0 0 rg BT 133.66 458.90 Td (2.5 ) Tj ET Q q 0 0 0 rg BT 151.66 458.90 Td (rules ) Tj ET Q q 0 0 0 rg BT 177.99 458.90 Td (that ) Tj ET Q q 0 0 0 rg BT 198.98 458.90 Td (became ) Tj ET Q q 0 0 0 rg BT 238.62 458.90 Td (ef) Tj ET Q q 0 0 0 rg BT 247.72 458.90 Td (fective ) Tj ET Q q 0 0 0 rg BT 283.37 458.90 Td (on ) Tj ET Q q 0 0 0 rg BT 298.37 458.90 Td (January ) Tj ET Q q 0 0 0 rg BT 338.69 458.90 Td (1, ) Tj ET Q q 0 0 0 rg BT 350.69 458.90 Td (2013. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 441.91 cm /I71 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 444.50 Td (Headcount ) Tj ET Q q 0 0 0 rg BT 158.98 444.50 Td (was ) Tj ET Q q 0 0 0 rg BT 180.64 444.50 Td (255,898, ) Tj ET Q q 0 0 0 rg BT 225.64 444.50 Td (a ) Tj ET Q q 0 0 0 rg BT 233.97 444.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 278.26 444.50 Td (of ) Tj ET Q q 0 0 0 rg BT 291.26 444.50 Td (5,271, ) Tj ET Q q 0 0 0 rg BT 324.26 444.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.57 444.50 Td (with ) Tj ET Q q 0 0 0 rg BT 398.90 444.50 Td (the ) Tj ET Q q 0 0 0 rg BT 416.56 444.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.89 444.50 Td (year) Tj ET Q q 0 0 0 rg BT 462.88 444.50 Td (.) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (1. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 68.00 741.60 Td (Notes ) Tj ET Q q 0 0 0 rg BT 97.02 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 111.39 741.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 163.34 741.60 Td ( ) Tj ET Q q 0 0 0 rg BT 166.09 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 209.79 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 244.42 741.60 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (In ) Tj ET Q q 0 0 0 rg BT 79.01 717.60 Td (addition ) Tj ET Q q 0 0 0 rg BT 114.46 717.60 Td (to ) Tj ET Q q 0 0 0 rg BT 124.92 717.60 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 166.47 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 181.36 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 209.18 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 237.97 717.60 Td (on ) Tj ET Q q 0 0 0 rg BT 250.65 717.60 Td (a ) Tj ET Q q 0 0 0 rg BT 257.76 717.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 293.76 717.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 318.94 717.60 Td (management ) Tj ET Q q 0 0 0 rg BT 372.70 717.60 Td (reviews ) Tj ET Q q 0 0 0 rg BT 406.48 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 421.37 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 449.19 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 477.98 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 495.10 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 509.99 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 538.78 717.60 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 717.60 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 89.98 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 101.40 705.60 Td (business ) Tj ET Q q 0 0 0 rg BT 138.39 705.60 Td (on ) Tj ET Q q 0 0 0 rg BT 151.48 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 159.01 705.60 Td (managed?) Tj ET Q q 0 0 0 rg BT 207.08 705.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 232.67 705.60 Td (which ) Tj ET Q q 0 0 0 rg BT 260.20 705.60 Td (is ) Tj ET Q q 0 0 0 rg BT 269.97 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 277.50 705.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 322.68 705.60 Td ( ) Tj ET Q q 0 0 0 rg BT 325.78 705.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 363.85 705.60 Td (measure. ) Tj ET Q q 0 0 0 rg BT 402.53 705.60 Td (The ) Tj ET Q q 0 0 0 rg BT 421.17 705.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 449.41 705.60 Td (definition ) Tj ET Q q 0 0 0 rg BT 491.38 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 502.81 705.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 542.00 705.60 Td (basis ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 693.60 Td (starts ) Tj ET Q q 0 0 0 rg BT 91.22 693.60 Td (with ) Tj ET Q q 0 0 0 rg BT 111.11 693.60 Td (the ) Tj ET Q q 0 0 0 rg BT 125.43 693.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 160.86 693.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 180.75 693.60 Td (GAAP) Tj ET Q q 0 0 0 rg BT 207.60 693.60 Td ( ) Tj ET Q q 0 0 0 rg BT 209.71 693.60 Td (results ) Tj ET Q q 0 0 0 rg BT 237.93 693.60 Td (and ) Tj ET Q q 0 0 0 rg BT 254.48 693.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 289.91 693.60 Td (certain ) Tj ET Q q 0 0 0 rg BT 319.23 693.60 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 385.75 693.60 Td (to ) Tj ET Q q 0 0 0 rg BT 395.64 693.60 Td (present ) Tj ET Q q 0 0 0 rg BT 426.63 693.60 Td (total ) Tj ET Q q 0 0 0 rg BT 446.51 693.60 Td (net ) Tj ET Q q 0 0 0 rg BT 460.84 693.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 494.59 693.60 Td (for ) Tj ET Q q 0 0 0 rg BT 508.36 693.60 Td (the ) Tj ET Q q 0 0 0 rg BT 522.69 693.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 544.25 693.60 Td (\(and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (each ) Tj ET Q q 0 0 0 rg BT 89.84 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 101.69 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 117.42 681.60 Td (business ) Tj ET Q q 0 0 0 rg BT 154.84 681.60 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 198.90 681.60 Td (on ) Tj ET Q q 0 0 0 rg BT 212.42 681.60 Td (a ) Tj ET Q q 0 0 0 rg BT 220.38 681.60 Td (fully ) Tj ET Q q 0 0 0 rg BT 242.79 681.60 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 320.16 681.60 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 357.00 681.60 Td (basis. ) Tj ET Q q 0 0 0 rg BT 382.24 681.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 431.58 681.60 Td (, ) Tj ET Q q 0 0 0 rg BT 437.60 681.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 472.77 681.60 Td (from ) Tj ET Q q 0 0 0 rg BT 495.72 681.60 Td (investments ) Tj ET Q q 0 0 0 rg BT 547.02 681.60 Td (that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (receive ) Tj ET Q q 0 0 0 rg BT 99.44 669.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 114.24 669.60 Td (credits ) Tj ET Q q 0 0 0 rg BT 143.47 669.60 Td (and ) Tj ET Q q 0 0 0 rg BT 160.49 669.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 208.04 669.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 248.39 669.60 Td (is ) Tj ET Q q 0 0 0 rg BT 257.63 669.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 298.53 669.60 Td (in ) Tj ET Q q 0 0 0 rg BT 308.88 669.60 Td (the ) Tj ET Q q 0 0 0 rg BT 323.68 669.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 362.35 669.60 Td (results ) Tj ET Q q 0 0 0 rg BT 391.04 669.60 Td (on ) Tj ET Q q 0 0 0 rg BT 403.62 669.60 Td (a ) Tj ET Q q 0 0 0 rg BT 410.63 669.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 433.21 669.60 Td (comparable ) Tj ET Q q 0 0 0 rg BT 482.43 669.60 Td (to ) Tj ET Q q 0 0 0 rg BT 492.79 669.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 524.24 669.60 Td (securities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 84.73 657.60 Td (investments. ) Tj ET Q q 0 0 0 rg BT 137.13 657.60 Td (This ) Tj ET Q q 0 0 0 rg BT 157.20 657.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 202.39 657.60 Td ( ) Tj ET Q q 0 0 0 rg BT 204.68 657.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 241.95 657.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 277.56 657.60 Td (allows ) Tj ET Q q 0 0 0 rg BT 305.96 657.60 Td (management ) Tj ET Q q 0 0 0 rg BT 359.34 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 369.41 657.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 396.15 657.60 Td (the ) Tj ET Q q 0 0 0 rg BT 410.66 657.60 Td (comparability ) Tj ET Q q 0 0 0 rg BT 468.49 657.60 Td (of ) Tj ET Q q 0 0 0 rg BT 479.11 657.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 513.05 657.60 Td (arising ) Tj ET Q q 0 0 0 rg BT 542.56 657.60 Td (from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (both ) Tj ET Q q 0 0 0 rg BT 88.60 645.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 120.30 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 137.57 645.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 185.37 645.60 Td (sources. ) Tj ET Q q 0 0 0 rg BT 220.49 645.60 Td (The ) Tj ET Q q 0 0 0 rg BT 238.86 645.60 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 298.89 645.60 Td (income ) Tj ET Q q 0 0 0 rg BT 331.15 645.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 346.19 645.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 376.23 645.60 Td (related ) Tj ET Q q 0 0 0 rg BT 406.26 645.60 Td (to ) Tj ET Q q 0 0 0 rg BT 416.87 645.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 464.67 645.60 Td (items ) Tj ET Q q 0 0 0 rg BT 489.16 645.60 Td (is ) Tj ET Q q 0 0 0 rg BT 498.66 645.60 Td (recorded ) Tj ET Q q 0 0 0 rg BT 536.46 645.60 Td (within ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (income ) Tj ET Q q 0 0 0 rg BT 100.05 633.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 114.88 633.60 Td (expense. ) Tj ET Q q 0 0 0 rg BT 152.02 633.60 Td (These ) Tj ET Q q 0 0 0 rg BT 178.51 633.60 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 228.90 633.60 Td (have ) Tj ET Q q 0 0 0 rg BT 250.39 633.60 Td (no ) Tj ET Q q 0 0 0 rg BT 263.01 633.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 292.84 633.60 Td (on ) Tj ET Q q 0 0 0 rg BT 305.45 633.60 Td (net ) Tj ET Q q 0 0 0 rg BT 320.29 633.60 Td (income ) Tj ET Q q 0 0 0 rg BT 352.34 633.60 Td (as ) Tj ET Q q 0 0 0 rg BT 363.28 633.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 399.21 633.60 Td (by ) Tj ET Q q 0 0 0 rg BT 411.83 633.60 Td (the ) Tj ET Q q 0 0 0 rg BT 426.66 633.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 448.73 633.60 Td (as ) Tj ET Q q 0 0 0 rg BT 459.67 633.60 Td (a ) Tj ET Q q 0 0 0 rg BT 466.73 633.60 Td (whole ) Tj ET Q q 0 0 0 rg BT 493.78 633.60 Td (or ) Tj ET Q q 0 0 0 rg BT 504.73 633.60 Td (by ) Tj ET Q q 0 0 0 rg BT 517.35 633.60 Td (the ) Tj ET Q q 0 0 0 rg BT 532.18 633.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 553.68 633.60 Td (of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 621.60 Td (business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 597.60 Td (b. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 597.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.70 597.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 106.18 597.60 Td (of ) Tj ET Q q 0 0 0 rg BT 116.66 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 131.03 597.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 173.72 597.60 Td (for ) Tj ET Q q 0 0 0 rg BT 187.53 597.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 206.90 597.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 232.95 597.60 Td (to ) Tj ET Q q 0 0 0 rg BT 242.88 597.60 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 300.01 597.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 323.27 597.60 Td (excludes ) Tj ET Q q 0 0 0 rg BT 360.41 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 374.78 597.60 Td (following: ) Tj ET Q q 0 0 0 rg BT 418.60 597.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 441.86 597.60 Td (accounted ) Tj ET Q q 0 0 0 rg BT 484.54 597.60 Td (for ) Tj ET Q q 0 0 0 rg BT 498.36 597.60 Td (at ) Tj ET Q q 0 0 0 rg BT 507.73 597.60 Td (fair ) Tj ET Q q 0 0 0 rg BT 523.76 597.60 Td (value ) Tj ET Q q 0 0 0 rg BT 547.57 597.60 Td (and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 585.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 93.64 585.60 Td (held-for) Tj ET Q q 0 0 0 rg BT 125.65 585.60 Td (-sale; ) Tj ET Q q 0 0 0 rg BT 151.83 585.60 Td (purchased ) Tj ET Q q 0 0 0 rg BT 196.90 585.60 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 263.07 585.60 Td (\(PCI\) ) Tj ET Q q 0 0 0 rg BT 298.70 585.60 Td (loans; ) Tj ET Q q 0 0 0 rg BT 327.11 585.60 Td (and ) Tj ET Q q 0 0 0 rg BT 346.08 585.60 Td (the ) Tj ET Q q 0 0 0 rg BT 362.83 585.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 407.89 585.60 Td (for ) Tj ET Q q 0 0 0 rg BT 424.08 585.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 445.83 585.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 474.25 585.60 Td (related ) Tj ET Q q 0 0 0 rg BT 505.99 585.60 Td (to ) Tj ET Q q 0 0 0 rg BT 518.30 585.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 538.39 585.60 Td (loans. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 573.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 117.90 573.60 Td (, ) Tj ET Q q 0 0 0 rg BT 122.24 573.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 142.40 573.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 168.68 573.60 Td (Portfolios ) Tj ET Q q 0 0 0 rg BT 209.96 573.60 Td (net ) Tj ET Q q 0 0 0 rg BT 224.02 573.60 Td (char) Tj ET Q q 0 0 0 rg BT 241.04 573.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 261.96 573.60 Td (f ) Tj ET Q q 0 0 0 rg BT 267.13 573.60 Td (rates ) Tj ET Q q 0 0 0 rg BT 287.85 573.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 320.78 573.60 Td (the ) Tj ET Q q 0 0 0 rg BT 334.83 573.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 363.88 573.60 Td (of ) Tj ET Q q 0 0 0 rg BT 374.05 573.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 391.45 573.60 Td (loans. ) Tj ET Q q 0 0 0 rg BT 416.77 573.60 Td (The ) Tj ET Q q 0 0 0 rg BT 434.15 573.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 476.52 573.60 Td (for ) Tj ET Q q 0 0 0 rg BT 490.02 573.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 509.08 573.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 534.81 573.60 Td (related ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 561.60 Td (to ) Tj ET Q q 0 0 0 rg BT 77.31 561.60 Td (the ) Tj ET Q q 0 0 0 rg BT 91.06 561.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 108.15 561.60 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 144.68 561.60 Td (totaled ) Tj ET Q q 0 0 0 rg BT 173.42 561.60 Td ($5.7 ) Tj ET Q q 0 0 0 rg BT 192.46 561.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 220.10 561.60 Td (at ) Tj ET Q q 0 0 0 rg BT 228.85 561.60 Td (March ) Tj ET Q q 0 0 0 rg BT 256.48 561.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 270.51 561.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 294.55 561.60 Td (December ) Tj ET Q q 0 0 0 rg BT 337.16 561.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 351.20 561.60 Td (2012, ) Tj ET Q q 0 0 0 rg BT 375.23 561.60 Td (and ) Tj ET Q q 0 0 0 rg BT 391.20 561.60 Td (March ) Tj ET Q q 0 0 0 rg BT 418.83 561.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 432.86 561.60 Td (2012. ) Tj ET Q q 0 0 0 rg BT 456.89 561.60 Td (In ) Tj ET Q q 0 0 0 rg BT 466.76 561.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 508.27 561.60 Td (& ) Tj ET Q q 0 0 0 rg BT 517.58 561.60 Td (Investment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 549.60 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 94.68 549.60 Td (the ) Tj ET Q q 0 0 0 rg BT 109.97 549.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 131.36 549.60 Td (of ) Tj ET Q q 0 0 0 rg BT 142.77 549.60 Td (the ) Tj ET Q q 0 0 0 rg BT 158.05 549.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 201.66 549.60 Td (for ) Tj ET Q q 0 0 0 rg BT 216.39 549.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 236.68 549.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 263.64 549.60 Td (to ) Tj ET Q q 0 0 0 rg BT 274.49 549.60 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 332.54 549.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 356.72 549.60 Td (is ) Tj ET Q q 0 0 0 rg BT 366.46 549.60 Td (calculated ) Tj ET Q q 0 0 0 rg BT 410.06 549.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 452.56 549.60 Td (the ) Tj ET Q q 0 0 0 rg BT 467.85 549.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 498.13 549.60 Td (of ) Tj ET Q q 0 0 0 rg BT 509.53 549.60 Td (trade ) Tj ET Q q 0 0 0 rg BT 532.59 549.60 Td (finance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 537.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 93.20 537.60 Td (and ) Tj ET Q q 0 0 0 rg BT 111.73 537.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 166.36 537.60 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 244.88 537.60 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 295.07 537.60 Td (conduits, ) Tj ET Q q 0 0 0 rg BT 335.54 537.60 Td (as ) Tj ET Q q 0 0 0 rg BT 347.97 537.60 Td (well ) Tj ET Q q 0 0 0 rg BT 369.27 537.60 Td (as ) Tj ET Q q 0 0 0 rg BT 381.69 537.60 Td (their ) Tj ET Q q 0 0 0 rg BT 404.11 537.60 Td (related ) Tj ET Q q 0 0 0 rg BT 435.40 537.60 Td (allowances, ) Tj ET Q q 0 0 0 rg BT 486.42 537.60 Td (to ) Tj ET Q q 0 0 0 rg BT 498.28 537.60 Td (provide ) Tj ET Q q 0 0 0 rg BT 532.92 537.60 Td (a ) Tj ET Q q 0 0 0 rg BT 541.45 537.60 Td (more ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 116.04 525.60 Td (assessment ) Tj ET Q q 0 0 0 rg BT 162.98 525.60 Td (of ) Tj ET Q q 0 0 0 rg BT 173.81 525.60 Td (the ) Tj ET Q q 0 0 0 rg BT 188.53 525.60 Td (CIB's ) Tj ET Q q 0 0 0 rg BT 213.39 525.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 256.42 525.60 Td (coverage. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 501.60 Td (c. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 501.60 Td (T) Tj ET Q q 0 0 0 rg BT 73.41 501.60 Td (angible ) Tj ET Q q 0 0 0 rg BT 104.46 501.60 Td (common ) Tj ET Q q 0 0 0 rg BT 141.07 501.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 167.68 501.60 Td (\(TCE\) ) Tj ET Q q 0 0 0 rg BT 203.72 501.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 245.88 501.60 Td (common ) Tj ET Q q 0 0 0 rg BT 282.49 501.60 Td (stockholders' ) Tj ET Q q 0 0 0 rg BT 336.45 501.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 363.06 501.60 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 382.73 501.60 Td (total ) Tj ET Q q 0 0 0 rg BT 402.12 501.60 Td (stockholders' ) Tj ET Q q 0 0 0 rg BT 456.08 501.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 482.69 501.60 Td (less ) Tj ET Q q 0 0 0 rg BT 499.31 501.60 Td (preferred ) Tj ET Q q 0 0 0 rg BT 537.56 501.60 Td (stock\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (less ) Tj ET Q q 0 0 0 rg BT 85.69 489.60 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 123.95 489.60 Td (and ) Tj ET Q q 0 0 0 rg BT 141.08 489.60 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 189.31 489.60 Td (intangible ) Tj ET Q q 0 0 0 rg BT 231.99 489.60 Td (assets ) Tj ET Q q 0 0 0 rg BT 258.02 489.60 Td (\(other ) Tj ET Q q 0 0 0 rg BT 284.59 489.60 Td (than ) Tj ET Q q 0 0 0 rg BT 304.50 489.60 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 338.04 489.60 Td (net ) Tj ET Q q 0 0 0 rg BT 352.95 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 363.98 489.60 Td (related ) Tj ET Q q 0 0 0 rg BT 393.87 489.60 Td (deferred ) Tj ET Q q 0 0 0 rg BT 429.87 489.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 444.78 489.60 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 487.19 489.60 Td (Return ) Tj ET Q q 0 0 0 rg BT 517.11 489.60 Td (on ) Tj ET Q q 0 0 0 rg BT 529.80 489.60 Td (tangible ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 477.60 Td (common ) Tj ET Q q 0 0 0 rg BT 106.09 477.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 134.17 477.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 174.47 477.60 Td (the ) Tj ET Q q 0 0 0 rg BT 189.78 477.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 218.02 477.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 254.99 477.60 Td (as ) Tj ET Q q 0 0 0 rg BT 266.41 477.60 Td (a ) Tj ET Q q 0 0 0 rg BT 273.94 477.60 Td (percentage ) Tj ET Q q 0 0 0 rg BT 320.33 477.60 Td (of ) Tj ET Q q 0 0 0 rg BT 331.75 477.60 Td (average ) Tj ET Q q 0 0 0 rg BT 365.71 477.60 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 390.19 477.60 Td (In ) Tj ET Q q 0 0 0 rg BT 401.61 477.60 Td (management's ) Tj ET Q q 0 0 0 rg BT 461.48 477.60 Td (view) Tj ET Q q 0 0 0 rg BT 480.27 477.60 Td (, ) Tj ET Q q 0 0 0 rg BT 485.86 477.60 Td (these ) Tj ET Q q 0 0 0 rg BT 509.50 477.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 549.80 477.60 Td (are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 465.60 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 115.19 465.60 Td (to ) Tj ET Q q 0 0 0 rg BT 124.61 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 138.47 465.60 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 162.06 465.60 Td (as ) Tj ET Q q 0 0 0 rg BT 172.03 465.60 Td (well ) Tj ET Q q 0 0 0 rg BT 190.89 465.60 Td (as ) Tj ET Q q 0 0 0 rg BT 200.86 465.60 Td (to ) Tj ET Q q 0 0 0 rg BT 210.29 465.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 244.15 465.60 Td (and ) Tj ET Q q 0 0 0 rg BT 260.23 465.60 Td (investors, ) Tj ET Q q 0 0 0 rg BT 300.48 465.60 Td (in ) Tj ET Q q 0 0 0 rg BT 309.90 465.60 Td (assessing ) Tj ET Q q 0 0 0 rg BT 348.76 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 362.62 465.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 389.41 465.60 Td (use ) Tj ET Q q 0 0 0 rg BT 404.38 465.60 Td (of ) Tj ET Q q 0 0 0 rg BT 414.35 465.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 440.99 465.60 Td (and ) Tj ET Q q 0 0 0 rg BT 457.07 465.60 Td (in ) Tj ET Q q 0 0 0 rg BT 466.50 465.60 Td (facilitating ) Tj ET Q q 0 0 0 rg BT 511.45 465.60 Td (comparisons ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (with ) Tj ET Q q 0 0 0 rg BT 88.28 453.60 Td (peers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 429.60 Td (d. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.87 429.60 Td (T) Tj ET Q q 0 0 0 rg BT 91.62 429.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 104.67 429.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 112.17 429.60 Td (common ) Tj ET Q q 0 0 0 rg BT 149.66 429.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 170.49 429.60 Td (under ) Tj ET Q q 0 0 0 rg BT 195.75 429.60 Td (both ) Tj ET Q q 0 0 0 rg BT 216.03 429.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 240.75 429.60 Td (I ) Tj ET Q q 0 0 0 rg BT 246.58 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 263.51 429.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 288.23 429.60 Td (III ) Tj ET Q q 0 0 0 rg BT 300.72 429.60 Td (are ) Tj ET Q q 0 0 0 rg BT 315.42 429.60 Td (both ) Tj ET Q q 0 0 0 rg BT 335.70 429.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 380.89 429.60 Td ( ) Tj ET Q q 0 0 0 rg BT 383.39 429.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 420.87 429.60 Td (measures. ) Tj ET Q q 0 0 0 rg BT 462.89 429.60 Td (These ) Tj ET Q q 0 0 0 rg BT 489.27 429.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 528.97 429.60 Td (are ) Tj ET Q q 0 0 0 rg BT 543.68 429.60 Td (used ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (by ) Tj ET Q q 0 0 0 rg BT 80.04 417.60 Td (management, ) Tj ET Q q 0 0 0 rg BT 135.66 417.60 Td (bank ) Tj ET Q q 0 0 0 rg BT 157.13 417.60 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 201.65 417.60 Td (investors ) Tj ET Q q 0 0 0 rg BT 239.80 417.60 Td (and ) Tj ET Q q 0 0 0 rg BT 256.27 417.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 290.52 417.60 Td (to ) Tj ET Q q 0 0 0 rg BT 300.34 417.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 326.81 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 341.07 417.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 368.24 417.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 396.93 417.60 Td (position ) Tj ET Q q 0 0 0 rg BT 431.19 417.60 Td (and ) Tj ET Q q 0 0 0 rg BT 447.66 417.60 Td (to ) Tj ET Q q 0 0 0 rg BT 457.48 417.60 Td (compare ) Tj ET Q q 0 0 0 rg BT 493.94 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 508.19 417.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 535.37 417.60 Td (capital ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (to ) Tj ET Q q 0 0 0 rg BT 78.49 405.60 Td (that ) Tj ET Q q 0 0 0 rg BT 96.19 405.60 Td (of ) Tj ET Q q 0 0 0 rg BT 107.23 405.60 Td (other ) Tj ET Q q 0 0 0 rg BT 130.49 405.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 168.18 405.60 Td (services ) Tj ET Q q 0 0 0 rg BT 203.10 405.60 Td (companies. ) Tj ET Q q 0 0 0 rg BT 250.88 405.60 Td (The ) Tj ET Q q 0 0 0 rg BT 269.13 405.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 294.06 405.60 Td (I ) Tj ET Q q 0 0 0 rg BT 299.90 405.60 Td (T) Tj ET Q q 0 0 0 rg BT 305.66 405.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 318.92 405.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 326.63 405.60 Td (common ) Tj ET Q q 0 0 0 rg BT 364.33 405.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 385.37 405.60 Td (is ) Tj ET Q q 0 0 0 rg BT 394.55 405.60 Td (T) Tj ET Q q 0 0 0 rg BT 400.31 405.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 413.56 405.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 421.27 405.60 Td (common ) Tj ET Q q 0 0 0 rg BT 458.98 405.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 488.34 405.60 Td (divided ) Tj ET Q q 0 0 0 rg BT 521.05 405.60 Td (by ) Tj ET Q q 0 0 0 rg BT 533.76 405.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 558.68 405.60 Td (I ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 393.60 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 126.20 393.60 Td (assets. ) Tj ET Q q 0 0 0 rg BT 155.00 393.60 Td (T) Tj ET Q q 0 0 0 rg BT 160.76 393.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 174.52 393.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 182.73 393.60 Td (common ) Tj ET Q q 0 0 0 rg BT 220.93 393.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 250.80 393.60 Td (is ) Tj ET Q q 0 0 0 rg BT 260.68 393.60 Td (defined ) Tj ET Q q 0 0 0 rg BT 293.87 393.60 Td (as ) Tj ET Q q 0 0 0 rg BT 305.18 393.60 Td (T) Tj ET Q q 0 0 0 rg BT 310.94 393.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 324.69 393.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 332.90 393.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 362.77 393.60 Td (less ) Tj ET Q q 0 0 0 rg BT 380.98 393.60 Td (elements ) Tj ET Q q 0 0 0 rg BT 419.73 393.60 Td (of ) Tj ET Q q 0 0 0 rg BT 431.04 393.60 Td (T) Tj ET Q q 0 0 0 rg BT 436.79 393.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 450.55 393.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 458.76 393.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 488.62 393.60 Td (not ) Tj ET Q q 0 0 0 rg BT 504.61 393.60 Td (in ) Tj ET Q q 0 0 0 rg BT 515.60 393.60 Td (the ) Tj ET Q q 0 0 0 rg BT 531.03 393.60 Td (form ) Tj ET Q q 0 0 0 rg BT 553.68 393.60 Td (of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 381.60 Td (common ) Tj ET Q q 0 0 0 rg BT 105.72 381.60 Td (equity) Tj ET Q q 0 0 0 rg BT 130.07 381.60 Td (, ) Tj ET Q q 0 0 0 rg BT 135.29 381.60 Td (such ) Tj ET Q q 0 0 0 rg BT 156.35 381.60 Td (as ) Tj ET Q q 0 0 0 rg BT 167.41 381.60 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 207.34 381.60 Td (preferred ) Tj ET Q q 0 0 0 rg BT 246.70 381.60 Td (stock, ) Tj ET Q q 0 0 0 rg BT 273.04 381.60 Td (noncontrolling ) Tj ET Q q 0 0 0 rg BT 334.65 381.60 Td (interests ) Tj ET Q q 0 0 0 rg BT 370.70 381.60 Td (in ) Tj ET Q q 0 0 0 rg BT 381.20 381.60 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 433.65 381.60 Td (and ) Tj ET Q q 0 0 0 rg BT 450.81 381.60 Td (trust ) Tj ET Q q 0 0 0 rg BT 471.32 381.60 Td (preferred ) Tj ET Q q 0 0 0 rg BT 510.68 381.60 Td (securities. ) Tj ET Q q 0 0 0 rg BT 553.67 381.60 Td (In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 369.60 Td (December ) Tj ET Q q 0 0 0 rg BT 111.82 369.60 Td (2010, ) Tj ET Q q 0 0 0 rg BT 137.05 369.60 Td (the ) Tj ET Q q 0 0 0 rg BT 152.00 369.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 176.95 369.60 Td (Committee ) Tj ET Q q 0 0 0 rg BT 224.12 369.60 Td (issued ) Tj ET Q q 0 0 0 rg BT 251.86 369.60 Td (its ) Tj ET Q q 0 0 0 rg BT 264.04 369.60 Td (final ) Tj ET Q q 0 0 0 rg BT 285.10 369.60 Td (version ) Tj ET Q q 0 0 0 rg BT 317.27 369.60 Td (of ) Tj ET Q q 0 0 0 rg BT 328.33 369.60 Td (the ) Tj ET Q q 0 0 0 rg BT 343.28 369.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 368.23 369.60 Td (Capital ) Tj ET Q q 0 0 0 rg BT 399.24 369.60 Td (Accord, ) Tj ET Q q 0 0 0 rg BT 433.91 369.60 Td (commonly ) Tj ET Q q 0 0 0 rg BT 479.41 369.60 Td (referred ) Tj ET Q q 0 0 0 rg BT 513.78 369.60 Td (to ) Tj ET Q q 0 0 0 rg BT 524.29 369.60 Td (as ) Tj ET Q q 0 0 0 rg BT 535.36 369.60 Td (Basel ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 357.60 Td (III.?) Tj ET Q q 0 0 0 rg BT 89.42 357.60 Td (In ) Tj ET Q q 0 0 0 rg BT 102.24 357.60 Td (June ) Tj ET Q q 0 0 0 rg BT 125.06 357.60 Td (2012, ) Tj ET Q q 0 0 0 rg BT 152.05 357.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 174.33 357.60 Td (federal ) Tj ET Q q 0 0 0 rg BT 206.57 357.60 Td (banking ) Tj ET Q q 0 0 0 rg BT 243.28 357.60 Td (agencies ) Tj ET Q q 0 0 0 rg BT 282.19 357.60 Td (also ) Tj ET Q q 0 0 0 rg BT 302.79 357.60 Td (published ) Tj ET Q q 0 0 0 rg BT 346.17 357.60 Td (a ) Tj ET Q q 0 0 0 rg BT 355.10 357.60 Td (Notice ) Tj ET Q q 0 0 0 rg BT 386.24 357.60 Td (of ) Tj ET Q q 0 0 0 rg BT 399.06 357.60 Td (Proposed ) Tj ET Q q 0 0 0 rg BT 440.78 357.60 Td (Rulemaking ) Tj ET Q q 0 0 0 rg BT 494.15 357.60 Td (\(the ) Tj ET Q q 0 0 0 rg BT 514.19 357.60 Td (NPR\) ) Tj ET Q q 0 0 0 rg BT 550.34 357.60 Td (for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 345.60 Td (implementing ) Tj ET Q q 0 0 0 rg BT 126.47 345.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 151.62 345.60 Td (III ) Tj ET Q q 0 0 0 rg BT 164.53 345.60 Td (in ) Tj ET Q q 0 0 0 rg BT 175.24 345.60 Td (the ) Tj ET Q q 0 0 0 rg BT 190.38 345.60 Td (United ) Tj ET Q q 0 0 0 rg BT 220.52 345.60 Td (States. ) Tj ET Q q 0 0 0 rg BT 249.84 345.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 274.98 345.60 Td (III ) Tj ET Q q 0 0 0 rg BT 287.90 345.60 Td (revised ) Tj ET Q q 0 0 0 rg BT 319.70 345.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 344.84 345.60 Td (II ) Tj ET Q q 0 0 0 rg BT 354.43 345.60 Td (by) Tj ET Q q 0 0 0 rg BT 363.78 345.60 Td (, ) Tj ET Q q 0 0 0 rg BT 369.21 345.60 Td (among ) Tj ET Q q 0 0 0 rg BT 399.35 345.60 Td (other ) Tj ET Q q 0 0 0 rg BT 422.82 345.60 Td (things, ) Tj ET Q q 0 0 0 rg BT 452.70 345.60 Td (narrowing ) Tj ET Q q 0 0 0 rg BT 496.72 345.60 Td (the ) Tj ET Q q 0 0 0 rg BT 511.86 345.60 Td (definition ) Tj ET Q q 0 0 0 rg BT 553.67 345.60 Td (of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 333.60 Td (capital, ) Tj ET Q q 0 0 0 rg BT 99.71 333.60 Td (and ) Tj ET Q q 0 0 0 rg BT 116.70 333.60 Td (increasing ) Tj ET Q q 0 0 0 rg BT 160.36 333.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 189.56 333.60 Td (requirements ) Tj ET Q q 0 0 0 rg BT 244.32 333.60 Td (for ) Tj ET Q q 0 0 0 rg BT 258.54 333.60 Td (specific ) Tj ET Q q 0 0 0 rg BT 292.19 333.60 Td (exposures. ) Tj ET Q q 0 0 0 rg BT 337.24 333.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 362.01 333.60 Td (III ) Tj ET Q q 0 0 0 rg BT 374.56 333.60 Td (also ) Tj ET Q q 0 0 0 rg BT 393.23 333.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 429.11 333.60 Td (higher ) Tj ET Q q 0 0 0 rg BT 457.22 333.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 486.42 333.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 507.31 333.60 Td (requirements. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 321.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.87 321.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 113.34 321.60 Td (estimate ) Tj ET Q q 0 0 0 rg BT 148.99 321.60 Td (of ) Tj ET Q q 0 0 0 rg BT 159.64 321.60 Td (its ) Tj ET Q q 0 0 0 rg BT 171.25 321.60 Td (T) Tj ET Q q 0 0 0 rg BT 177.00 321.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 189.88 321.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 197.20 321.60 Td (common ) Tj ET Q q 0 0 0 rg BT 234.52 321.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 255.17 321.60 Td (under ) Tj ET Q q 0 0 0 rg BT 280.27 321.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 304.81 321.60 Td (III ) Tj ET Q q 0 0 0 rg BT 317.13 321.60 Td (reflects ) Tj ET Q q 0 0 0 rg BT 348.88 321.60 Td (the ) Tj ET Q q 0 0 0 rg BT 363.42 321.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 390.89 321.60 Td (current ) Tj ET Q q 0 0 0 rg BT 421.53 321.60 Td (understanding ) Tj ET Q q 0 0 0 rg BT 480.51 321.60 Td (of ) Tj ET Q q 0 0 0 rg BT 491.16 321.60 Td (the ) Tj ET Q q 0 0 0 rg BT 505.71 321.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 530.25 321.60 Td (III ) Tj ET Q q 0 0 0 rg BT 542.56 321.60 Td (rules ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 309.60 Td (based ) Tj ET Q q 0 0 0 rg BT 93.27 309.60 Td (on ) Tj ET Q q 0 0 0 rg BT 105.77 309.60 Td (information ) Tj ET Q q 0 0 0 rg BT 155.48 309.60 Td (currently ) Tj ET Q q 0 0 0 rg BT 194.07 309.60 Td (published ) Tj ET Q q 0 0 0 rg BT 235.46 309.60 Td (by ) Tj ET Q q 0 0 0 rg BT 247.96 309.60 Td (the ) Tj ET Q q 0 0 0 rg BT 262.67 309.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 287.39 309.60 Td (Committee ) Tj ET Q q 0 0 0 rg BT 334.32 309.60 Td (and ) Tj ET Q q 0 0 0 rg BT 351.26 309.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 371.54 309.60 Td (federal ) Tj ET Q q 0 0 0 rg BT 401.80 309.60 Td (banking ) Tj ET Q q 0 0 0 rg BT 436.51 309.60 Td (agencies ) Tj ET Q q 0 0 0 rg BT 473.44 309.60 Td (and ) Tj ET Q q 0 0 0 rg BT 490.37 309.60 Td (on ) Tj ET Q q 0 0 0 rg BT 502.87 309.60 Td (the ) Tj ET Q q 0 0 0 rg BT 517.59 309.60 Td (application ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 297.60 Td (of ) Tj ET Q q 0 0 0 rg BT 78.64 297.60 Td (such ) Tj ET Q q 0 0 0 rg BT 99.28 297.60 Td (rules ) Tj ET Q q 0 0 0 rg BT 121.03 297.60 Td (to ) Tj ET Q q 0 0 0 rg BT 131.12 297.60 Td (its ) Tj ET Q q 0 0 0 rg BT 142.87 297.60 Td (businesses ) Tj ET Q q 0 0 0 rg BT 187.40 297.60 Td (as ) Tj ET Q q 0 0 0 rg BT 198.04 297.60 Td (currently ) Tj ET Q q 0 0 0 rg BT 236.45 297.60 Td (conducted; ) Tj ET Q q 0 0 0 rg BT 282.63 297.60 Td (it ) Tj ET Q q 0 0 0 rg BT 290.50 297.60 Td (excludes ) Tj ET Q q 0 0 0 rg BT 327.79 297.60 Td (the ) Tj ET Q q 0 0 0 rg BT 342.32 297.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 371.84 297.60 Td (of ) Tj ET Q q 0 0 0 rg BT 382.48 297.60 Td (any ) Tj ET Q q 0 0 0 rg BT 399.23 297.60 Td (changes ) Tj ET Q q 0 0 0 rg BT 433.74 297.60 Td (the ) Tj ET Q q 0 0 0 rg BT 448.27 297.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 470.03 297.60 Td (may ) Tj ET Q q 0 0 0 rg BT 489.55 297.60 Td (make ) Tj ET Q q 0 0 0 rg BT 513.52 297.60 Td (in ) Tj ET Q q 0 0 0 rg BT 523.61 297.60 Td (the ) Tj ET Q q 0 0 0 rg BT 538.13 297.60 Td (future ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 285.60 Td (to ) Tj ET Q q 0 0 0 rg BT 77.87 285.60 Td (its ) Tj ET Q q 0 0 0 rg BT 89.42 285.60 Td (businesses ) Tj ET Q q 0 0 0 rg BT 133.73 285.60 Td (as ) Tj ET Q q 0 0 0 rg BT 144.16 285.60 Td (a ) Tj ET Q q 0 0 0 rg BT 150.69 285.60 Td (result ) Tj ET Q q 0 0 0 rg BT 175.00 285.60 Td (of ) Tj ET Q q 0 0 0 rg BT 185.43 285.60 Td (implementing ) Tj ET Q q 0 0 0 rg BT 243.07 285.60 Td (the ) Tj ET Q q 0 0 0 rg BT 257.38 285.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 281.69 285.60 Td (III ) Tj ET Q q 0 0 0 rg BT 293.78 285.60 Td (rules, ) Tj ET Q q 0 0 0 rg BT 317.81 285.60 Td (possible ) Tj ET Q q 0 0 0 rg BT 352.68 285.60 Td (enhancements ) Tj ET Q q 0 0 0 rg BT 411.42 285.60 Td (to ) Tj ET Q q 0 0 0 rg BT 421.29 285.60 Td (certain ) Tj ET Q q 0 0 0 rg BT 450.59 285.60 Td (market ) Tj ET Q q 0 0 0 rg BT 480.45 285.60 Td (risk ) Tj ET Q q 0 0 0 rg BT 497.54 285.60 Td (models, ) Tj ET Q q 0 0 0 rg BT 531.02 285.60 Td (and ) Tj ET Q q 0 0 0 rg BT 547.56 285.60 Td (any ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 273.60 Td (further ) Tj ET Q q 0 0 0 rg BT 97.71 273.60 Td (implementation ) Tj ET Q q 0 0 0 rg BT 162.97 273.60 Td (guidance ) Tj ET Q q 0 0 0 rg BT 201.56 273.60 Td (from ) Tj ET Q q 0 0 0 rg BT 223.50 273.60 Td (the ) Tj ET Q q 0 0 0 rg BT 238.22 273.60 Td (regulators. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 249.60 Td (e. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 249.60 Td (In ) Tj ET Q q 0 0 0 rg BT 79.03 249.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 122.84 249.60 Td (& ) Tj ET Q q 0 0 0 rg BT 133.31 249.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 183.80 249.60 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 222.88 249.60 Td (supplemental ) Tj ET Q q 0 0 0 rg BT 278.90 249.60 Td (information ) Tj ET Q q 0 0 0 rg BT 328.81 249.60 Td (is ) Tj ET Q q 0 0 0 rg BT 338.18 249.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 376.43 249.60 Td (for ) Tj ET Q q 0 0 0 rg BT 390.79 249.60 Td (Card ) Tj ET Q q 0 0 0 rg BT 412.93 249.60 Td (Services ) Tj ET Q q 0 0 0 rg BT 449.50 249.60 Td (to ) Tj ET Q q 0 0 0 rg BT 459.98 249.60 Td (provide ) Tj ET Q q 0 0 0 rg BT 493.23 249.60 Td (more ) Tj ET Q q 0 0 0 rg BT 516.47 249.60 Td (meaningful ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 237.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 107.84 237.60 Td (that ) Tj ET Q q 0 0 0 rg BT 125.47 237.60 Td (enable ) Tj ET Q q 0 0 0 rg BT 154.20 237.60 Td (comparability ) Tj ET Q q 0 0 0 rg BT 212.37 237.60 Td (with ) Tj ET Q q 0 0 0 rg BT 232.78 237.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 254.86 237.60 Td (periods. ) Tj ET Q q 0 0 0 rg BT 289.24 237.60 Td (The ) Tj ET Q q 0 0 0 rg BT 307.42 237.60 Td (net ) Tj ET Q q 0 0 0 rg BT 322.27 237.60 Td (char) Tj ET Q q 0 0 0 rg BT 339.30 237.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 360.21 237.60 Td (f ) Tj ET Q q 0 0 0 rg BT 366.18 237.60 Td (and ) Tj ET Q q 0 0 0 rg BT 383.25 237.60 Td (30+ ) Tj ET Q q 0 0 0 rg BT 401.53 237.60 Td (day ) Tj ET Q q 0 0 0 rg BT 418.60 237.60 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 470.10 237.60 Td (rates ) Tj ET Q q 0 0 0 rg BT 491.62 237.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 532.57 237.60 Td (include ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 225.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 91.61 225.60 Td (held-for) Tj ET Q q 0 0 0 rg BT 123.62 225.60 Td (-sale. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 201.60 Td (f. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 201.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 110.42 201.60 Td (& ) Tj ET Q q 0 0 0 rg BT 120.64 201.60 Td (Investment ) Tj ET Q q 0 0 0 rg BT 167.51 201.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 191.05 201.60 Td (provides ) Tj ET Q q 0 0 0 rg BT 227.93 201.60 Td (several ) Tj ET Q q 0 0 0 rg BT 258.68 201.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 298.32 201.60 Td (which ) Tj ET Q q 0 0 0 rg BT 325.20 201.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 358.73 201.60 Td (the ) Tj ET Q q 0 0 0 rg BT 373.38 201.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 403.03 201.60 Td (of ) Tj ET Q q 0 0 0 rg BT 413.80 201.60 Td (debit ) Tj ET Q q 0 0 0 rg BT 436.23 201.60 Td (valuation ) Tj ET Q q 0 0 0 rg BT 475.88 201.60 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 526.09 201.60 Td (\(DV) Tj ET Q q 0 0 0 rg BT 547.01 201.60 Td (A\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 189.60 Td (on: ) Tj ET Q q 0 0 0 rg BT 82.99 189.60 Td (net ) Tj ET Q q 0 0 0 rg BT 97.41 189.60 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 133.76 189.60 Td (net ) Tj ET Q q 0 0 0 rg BT 148.19 189.60 Td (income, ) Tj ET Q q 0 0 0 rg BT 182.33 189.60 Td (compensation ) Tj ET Q q 0 0 0 rg BT 240.08 189.60 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 263.11 189.60 Td (and ) Tj ET Q q 0 0 0 rg BT 279.75 189.60 Td (return ) Tj ET Q q 0 0 0 rg BT 305.84 189.60 Td (on ) Tj ET Q q 0 0 0 rg BT 318.04 189.60 Td (equity) Tj ET Q q 0 0 0 rg BT 342.39 189.60 Td (.? Tj ET Q q 0 0 0 rg BT 347.21 189.60 Td (These ) Tj ET Q q 0 0 0 rg BT 373.29 189.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 412.71 189.60 Td (are ) Tj ET Q q 0 0 0 rg BT 427.12 189.60 Td (used ) Tj ET Q q 0 0 0 rg BT 447.66 189.60 Td (by ) Tj ET Q q 0 0 0 rg BT 459.87 189.60 Td (management ) Tj ET Q q 0 0 0 rg BT 513.16 189.60 Td (to ) Tj ET Q q 0 0 0 rg BT 523.15 189.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 549.80 189.60 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 177.60 Td (underlying ) Tj ET Q q 0 0 0 rg BT 113.83 177.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 166.85 177.60 Td (of ) Tj ET Q q 0 0 0 rg BT 177.68 177.60 Td (the ) Tj ET Q q 0 0 0 rg BT 192.39 177.60 Td (business ) Tj ET Q q 0 0 0 rg BT 228.79 177.60 Td (and ) Tj ET Q q 0 0 0 rg BT 245.72 177.60 Td (for ) Tj ET Q q 0 0 0 rg BT 259.88 177.60 Td (comparability ) Tj ET Q q 0 0 0 rg BT 317.92 177.60 Td (with ) Tj ET Q q 0 0 0 rg BT 338.20 177.60 Td (peers. ) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (2. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 68.00 741.60 Td (Additional ) Tj ET Q q 0 0 0 rg BT 120.88 741.60 Td (notes ) Tj ET Q q 0 0 0 rg BT 148.07 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 162.44 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 206.14 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 240.77 741.60 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (Headcount-related ) Tj ET Q q 0 0 0 rg BT 150.24 717.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 190.84 717.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 232.55 717.60 Td (salary ) Tj ET Q q 0 0 0 rg BT 264.82 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.65 717.60 Td (benefits ) Tj ET Q q 0 0 0 rg BT 327.69 717.60 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 378.85 717.60 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 463.86 717.60 Td (incentives\), ) Tj ET Q q 0 0 0 rg BT 518.62 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 541.45 717.60 Td (other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (noncompensation ) Tj ET Q q 0 0 0 rg BT 141.04 705.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 163.54 705.60 Td (related ) Tj ET Q q 0 0 0 rg BT 193.24 705.60 Td (to ) Tj ET Q q 0 0 0 rg BT 203.52 705.60 Td (employees.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 681.60 Td (b. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 111.51 681.60 Td (& ) Tj ET Q q 0 0 0 rg BT 121.70 681.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 171.88 681.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 208.18 681.60 Td (deposit ) Tj ET Q q 0 0 0 rg BT 239.47 681.60 Td (rankings ) Tj ET Q q 0 0 0 rg BT 276.31 681.60 Td (are ) Tj ET Q q 0 0 0 rg BT 290.92 681.60 Td (based ) Tj ET Q q 0 0 0 rg BT 316.10 681.60 Td (on ) Tj ET Q q 0 0 0 rg BT 328.50 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 343.12 681.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 370.67 681.60 Td (and ) Tj ET Q q 0 0 0 rg BT 387.51 681.60 Td (peer ) Tj ET Q q 0 0 0 rg BT 407.12 681.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 453.97 681.60 Td (for ) Tj ET Q q 0 0 0 rg BT 468.03 681.60 Td (2012. ) Tj ET Q q 0 0 0 rg BT 492.76 681.60 Td (The ) Tj ET Q q 0 0 0 rg BT 510.71 681.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 554.23 681.60 Td (& ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 106.00 669.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 142.33 669.60 Td (SBA) Tj ET Q q 0 0 0 rg BT 161.23 669.60 Td ( ) Tj ET Q q 0 0 0 rg BT 163.67 669.60 Td (ranking ) Tj ET Q q 0 0 0 rg BT 196.66 669.60 Td (is ) Tj ET Q q 0 0 0 rg BT 205.77 669.60 Td (based ) Tj ET Q q 0 0 0 rg BT 230.98 669.60 Td (on ) Tj ET Q q 0 0 0 rg BT 243.42 669.60 Td (number ) Tj ET Q q 0 0 0 rg BT 276.41 669.60 Td (of ) Tj ET Q q 0 0 0 rg BT 287.18 669.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 310.72 669.60 Td (from ) Tj ET Q q 0 0 0 rg BT 332.60 669.60 Td (October ) Tj ET Q q 0 0 0 rg BT 367.25 669.60 Td (2012 ) Tj ET Q q 0 0 0 rg BT 389.69 669.60 Td (to ) Tj ET Q q 0 0 0 rg BT 399.91 669.60 Td (February ) Tj ET Q q 0 0 0 rg BT 438.45 669.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 460.89 669.60 Td (\(SBA) Tj ET Q q 0 0 0 rg BT 483.12 669.60 Td ( ) Tj ET Q q 0 0 0 rg BT 485.56 669.60 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 509.66 669.60 Td (year ) Tj ET Q q 0 0 0 rg BT 529.30 669.60 Td (to ) Tj ET Q q 0 0 0 rg BT 539.52 669.60 Td (date\). ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 657.60 Td (Accounts ) Tj ET Q q 0 0 0 rg BT 108.27 657.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 144.09 657.60 Td (checking ) Tj ET Q q 0 0 0 rg BT 182.69 657.60 Td (accounts ) Tj ET Q q 0 0 0 rg BT 220.17 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 237.11 657.60 Td (Chase ) Tj ET Q q 0 0 0 rg BT 264.05 657.60 Td (Liquid) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 290.71 662.13 Td (SM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.11 657.60 Td ( ) Tj ET Q q 0 0 0 rg BT 302.61 657.60 Td (cards ) Tj ET Q q 0 0 0 rg BT 326.21 657.60 Td (\(launched ) Tj ET Q q 0 0 0 rg BT 368.13 657.60 Td (2Q12\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 633.60 Td (c. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 109.17 633.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 145.36 633.60 Td (provision ) Tj ET Q q 0 0 0 rg BT 185.43 633.60 Td (for ) Tj ET Q q 0 0 0 rg BT 199.39 633.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 224.45 633.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 250.64 633.60 Td (is ) Tj ET Q q 0 0 0 rg BT 259.60 633.60 Td (included ) Tj ET Q q 0 0 0 rg BT 296.33 633.60 Td (in ) Tj ET Q q 0 0 0 rg BT 306.41 633.60 Td (the ) Tj ET Q q 0 0 0 rg BT 320.92 633.60 Td (functional ) Tj ET Q q 0 0 0 rg BT 363.76 633.60 Td (results ) Tj ET Q q 0 0 0 rg BT 392.16 633.60 Td (of ) Tj ET Q q 0 0 0 rg BT 402.79 633.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 423.41 633.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 450.14 633.60 Td (Portfolios ) Tj ET Q q 0 0 0 rg BT 491.89 633.60 Td (and ) Tj ET Q q 0 0 0 rg BT 508.62 633.60 Td (in ) Tj ET Q q 0 0 0 rg BT 518.70 633.60 Td (production ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 621.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 102.71 621.60 Td (for ) Tj ET Q q 0 0 0 rg BT 116.87 621.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 158.24 621.60 Td (Production.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 597.60 Td (d. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 597.60 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.39 597.60 Td (card ) Tj ET Q q 0 0 0 rg BT 114.99 597.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 136.83 597.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 169.22 597.60 Td (is ) Tj ET Q q 0 0 0 rg BT 178.28 597.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 218.99 597.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 260.82 597.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 312.64 597.60 Td (Card. ) Tj ET Q q 0 0 0 rg BT 336.98 597.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 377.15 597.60 Td (and ) Tj ET Q q 0 0 0 rg BT 393.98 597.60 Td (comparison ) Tj ET Q q 0 0 0 rg BT 443.03 597.60 Td (of ) Tj ET Q q 0 0 0 rg BT 453.76 597.60 Td (general ) Tj ET Q q 0 0 0 rg BT 485.58 597.60 Td (purpose ) Tj ET Q q 0 0 0 rg BT 519.63 597.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 544.79 597.60 Td (card ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 585.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 89.94 585.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 122.43 585.60 Td (are ) Tj ET Q q 0 0 0 rg BT 137.14 585.60 Td (based ) Tj ET Q q 0 0 0 rg BT 162.41 585.60 Td (on ) Tj ET Q q 0 0 0 rg BT 174.91 585.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 221.85 585.60 Td (by ) Tj ET Q q 0 0 0 rg BT 234.35 585.60 Td (peers ) Tj ET Q q 0 0 0 rg BT 257.95 585.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.88 585.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 307.93 585.60 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 350.14 585.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 390.42 585.60 Td (are ) Tj ET Q q 0 0 0 rg BT 405.12 585.60 Td (as ) Tj ET Q q 0 0 0 rg BT 415.95 585.60 Td (of ) Tj ET Q q 0 0 0 rg BT 426.78 585.60 Td (the ) Tj ET Q q 0 0 0 rg BT 441.50 585.60 Td (fourth ) Tj ET Q q 0 0 0 rg BT 468.44 585.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 499.25 585.60 Td (of ) Tj ET Q q 0 0 0 rg BT 510.08 585.60 Td (2012. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 561.60 Td (e. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 561.60 Td (In ) Tj ET Q q 0 0 0 rg BT 79.42 561.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 131.93 561.60 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 171.40 561.60 Td (ef) Tj ET Q q 0 0 0 rg BT 178.99 561.60 Td (fective ) Tj ET Q q 0 0 0 rg BT 209.28 561.60 Td (January ) Tj ET Q q 0 0 0 rg BT 243.46 561.60 Td (1, ) Tj ET Q q 0 0 0 rg BT 254.05 561.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 279.64 561.60 Td (whole ) Tj ET Q q 0 0 0 rg BT 307.16 561.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 327.46 561.60 Td (financing ) Tj ET Q q 0 0 0 rg BT 368.31 561.60 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 419.43 561.60 Td (previously ) Tj ET Q q 0 0 0 rg BT 464.73 561.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 501.13 561.60 Td (as ) Tj ET Q q 0 0 0 rg BT 512.55 561.60 Td (other ) Tj ET Q q 0 0 0 rg BT 536.18 561.60 Td (assets, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 549.60 Td (were ) Tj ET Q q 0 0 0 rg BT 89.64 549.60 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 137.38 549.60 Td (as ) Tj ET Q q 0 0 0 rg BT 147.92 549.60 Td (loans. ) Tj ET Q q 0 0 0 rg BT 173.73 549.60 Td (For ) Tj ET Q q 0 0 0 rg BT 189.83 549.60 Td (the ) Tj ET Q q 0 0 0 rg BT 204.26 549.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 234.78 549.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 260.87 549.60 Td (March ) Tj ET Q q 0 0 0 rg BT 289.18 549.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 303.88 549.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 328.59 549.60 Td (the ) Tj ET Q q 0 0 0 rg BT 343.02 549.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 372.44 549.60 Td (on ) Tj ET Q q 0 0 0 rg BT 384.65 549.60 Td (period-end ) Tj ET Q q 0 0 0 rg BT 430.17 549.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 453.49 549.60 Td (and ) Tj ET Q q 0 0 0 rg BT 470.13 549.60 Td (average ) Tj ET Q q 0 0 0 rg BT 503.43 549.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 526.74 549.60 Td (was ) Tj ET Q q 0 0 0 rg BT 544.50 549.60 Td ($1.7 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 537.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 96.61 537.60 Td (and ) Tj ET Q q 0 0 0 rg BT 113.55 537.60 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 133.55 537.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 164.67 537.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 212.33 537.60 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 513.60 Td (f. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (Asset ) Tj ET Q q 0 0 0 rg BT 93.26 513.60 Td (Management ) Tj ET Q q 0 0 0 rg BT 148.49 513.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 176.51 513.60 Td (mar) Tj ET Q q 0 0 0 rg BT 191.88 513.60 Td (gin ) Tj ET Q q 0 0 0 rg BT 207.69 513.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 251.26 513.60 Td (income ) Tj ET Q q 0 0 0 rg BT 283.73 513.60 Td (before ) Tj ET Q q 0 0 0 rg BT 312.30 513.60 Td (income ) Tj ET Q q 0 0 0 rg BT 344.76 513.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 360.02 513.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 395.26 513.60 Td (divided ) Tj ET Q q 0 0 0 rg BT 428.28 513.60 Td (by ) Tj ET Q q 0 0 0 rg BT 441.32 513.60 Td (total ) Tj ET Q q 0 0 0 rg BT 462.13 513.60 Td (net ) Tj ET Q q 0 0 0 rg BT 477.38 513.60 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 514.56 513.60 Td (which ) Tj ET Q q 0 0 0 rg BT 542.03 513.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 554.23 513.60 Td (in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 501.60 Td (management's ) Tj ET Q q 0 0 0 rg BT 127.04 501.60 Td (view) Tj ET Q q 0 0 0 rg BT 145.83 501.60 Td (, ) Tj ET Q q 0 0 0 rg BT 150.59 501.60 Td (a ) Tj ET Q q 0 0 0 rg BT 157.28 501.60 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 220.07 501.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 255.64 501.60 Td (of ) Tj ET Q q 0 0 0 rg BT 266.23 501.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 293.47 501.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 346.25 501.60 Td (derived ) Tj ET Q q 0 0 0 rg BT 378.50 501.60 Td (by ) Tj ET Q q 0 0 0 rg BT 390.75 501.60 Td (measuring ) Tj ET Q q 0 0 0 rg BT 434.67 501.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 470.80 501.60 Td (after ) Tj ET Q q 0 0 0 rg BT 491.37 501.60 Td (all ) Tj ET Q q 0 0 0 rg BT 503.63 501.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 525.88 501.60 Td (are ) Tj ET Q q 0 0 0 rg BT 540.35 501.60 Td (taken ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (into ) Tj ET Q q 0 0 0 rg BT 87.50 489.60 Td (consideration. ) Tj ET Q q 0 0 0 rg BT 147.81 489.60 Td (It ) Tj ET Q q 0 0 0 rg BT 157.86 489.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 170.96 489.60 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 213.49 489.60 Td (another ) Tj ET Q q 0 0 0 rg BT 247.41 489.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 271.35 489.60 Td (that ) Tj ET Q q 0 0 0 rg BT 290.29 489.60 Td (management ) Tj ET Q q 0 0 0 rg BT 345.32 489.60 Td (uses ) Tj ET Q q 0 0 0 rg BT 366.48 489.60 Td (to ) Tj ET Q q 0 0 0 rg BT 378.19 489.60 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 415.44 489.60 Td (the ) Tj ET Q q 0 0 0 rg BT 431.60 489.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 486.06 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 497.46 489.60 Td (AM ) Tj ET Q q 0 0 0 rg BT 517.52 489.60 Td (against ) Tj ET Q q 0 0 0 rg BT 549.78 489.60 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 477.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 121.02 477.60 Td (of ) Tj ET Q q 0 0 0 rg BT 131.85 477.60 Td (their ) Tj ET Q q 0 0 0 rg BT 152.68 477.60 Td (respective ) Tj ET Q q 0 0 0 rg BT 195.71 477.60 Td (peers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 453.60 Td (g. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.99 453.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.43 453.60 Td (of ) Tj ET Q q 0 0 0 rg BT 129.20 453.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.41 453.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.40 453.60 Td (to ) Tj ET Q q 0 0 0 rg BT 202.62 453.60 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.17 453.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.15 453.60 Td (new ) Tj ET Q q 0 0 0 rg BT 293.26 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 310.14 453.60 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.45 453.60 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.16 453.60 Td (including ) Tj ET Q q 0 0 0 rg BT 414.37 453.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.93 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 454.81 453.60 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.01 453.60 Td (The ) Tj ET Q q 0 0 0 rg BT 532.01 453.60 Td (amount ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 441.60 Td (of ) Tj ET Q q 0 0 0 rg BT 78.35 441.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 103.13 441.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.70 441.60 Td (to ) Tj ET Q q 0 0 0 rg BT 150.50 441.60 Td (small ) Tj ET Q q 0 0 0 rg BT 174.18 441.60 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.42 441.60 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.86 441.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.99 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.45 441.60 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.22 441.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.13 441.60 Td (of ) Tj ET Q q 0 0 0 rg BT 360.48 441.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.26 441.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 422.82 441.60 Td (by ) Tj ET Q q 0 0 0 rg BT 434.84 441.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 477.97 441.60 Td (& ) Tj ET Q q 0 0 0 rg BT 487.77 441.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.35 441.60 Td (Banking; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (Card, ) Tj ET Q q 0 0 0 rg BT 93.10 429.60 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 134.58 429.60 Td (Services ) Tj ET Q q 0 0 0 rg BT 171.62 429.60 Td (& ) Tj ET Q q 0 0 0 rg BT 181.86 429.60 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 207.80 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 225.41 429.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 278.00 429.60 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 317.32 429.60 Td (The ) Tj ET Q q 0 0 0 rg BT 336.03 429.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 369.19 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 380.68 429.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.61 429.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 445.32 429.60 Td (to ) Tj ET Q q 0 0 0 rg BT 456.26 429.60 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 496.64 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 514.24 429.60 Td (government ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (entities, ) Tj ET Q q 0 0 0 rg BT 102.02 417.60 Td (including ) Tj ET Q q 0 0 0 rg BT 142.42 417.60 Td (states, ) Tj ET Q q 0 0 0 rg BT 169.77 417.60 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 231.56 417.60 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 269.76 417.60 Td (and ) Tj ET Q q 0 0 0 rg BT 286.83 417.60 Td (universities, ) Tj ET Q q 0 0 0 rg BT 338.07 417.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 381.24 417.60 Td (that ) Tj ET Q q 0 0 0 rg BT 398.87 417.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 437.05 417.60 Td (by ) Tj ET Q q 0 0 0 rg BT 449.68 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 464.53 417.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 507.15 417.60 Td (& ) Tj ET Q q 0 0 0 rg BT 517.57 417.60 Td (Investment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.61 405.60 Td (and ) Tj ET Q q 0 0 0 rg BT 108.55 405.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 160.48 405.60 Td (Banking. ) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (15) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 81.79 740.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 102.03 740.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 134.27 740.70 Td (& ) Tj ET Q q 0 0 0 rg BT 146.52 740.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 166.44 740.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 208.02 740.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 236.94 740.70 Td (is ) Tj ET Q q 0 0 0 rg BT 247.86 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 256.10 740.70 Td (leading ) Tj ET Q q 0 0 0 rg BT 294.33 740.70 Td (global ) Tj ET Q q 0 0 0 rg BT 327.24 740.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 372.13 740.70 Td (services ) Tj ET Q q 0 0 0 rg BT 413.69 740.70 Td (firm ) Tj ET Q q 0 0 0 rg BT 437.27 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 461.51 740.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 492.42 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 505.33 740.70 Td ($2.4trillion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 70.11 726.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 122.87 726.30 Td (worldwide. ) Tj ET Q q 0 0 0 rg BT 179.77 726.30 Td (The ) Tj ET Q q 0 0 0 rg BT 201.21 726.30 Td (firm ) Tj ET Q q 0 0 0 rg BT 224.65 726.30 Td (is ) Tj ET Q q 0 0 0 rg BT 235.44 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 243.54 726.30 Td (leader ) Tj ET Q q 0 0 0 rg BT 275.63 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 287.75 726.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 343.18 726.30 Td (banking, ) Tj ET Q q 0 0 0 rg BT 387.62 726.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.38 726.30 Td (services ) Tj ET Q q 0 0 0 rg BT 473.81 726.30 Td (for ) Tj ET Q q 0 0 0 rg BT 490.58 726.30 Td (consumers ) Tj ET Q q 0 0 0 rg BT 544.69 726.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (small ) Tj ET Q q 0 0 0 rg BT 77.60 711.90 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 132.87 711.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 191.10 711.90 Td (banking, ) Tj ET Q q 0 0 0 rg BT 234.37 711.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 277.94 711.90 Td (transaction ) Tj ET Q q 0 0 0 rg BT 332.19 711.90 Td (processing, ) Tj ET Q q 0 0 0 rg BT 388.11 711.90 Td (asset ) Tj ET Q q 0 0 0 rg BT 413.04 711.90 Td (management ) Tj ET Q q 0 0 0 rg BT 475.95 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 494.88 711.90 Td (private ) Tj ET Q q 0 0 0 rg BT 529.79 711.90 Td (equity) Tj ET Q q 0 0 0 rg BT 559.01 711.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (A) Tj ET Q q 0 0 0 rg BT 58.00 697.50 Td ( ) Tj ET Q q 0 0 0 rg BT 60.70 697.50 Td (component ) Tj ET Q q 0 0 0 rg BT 116.71 697.50 Td (of ) Tj ET Q q 0 0 0 rg BT 129.41 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 146.76 697.50 Td (Dow ) Tj ET Q q 0 0 0 rg BT 172.79 697.50 Td (Jones ) Tj ET Q q 0 0 0 rg BT 202.15 697.50 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 250.24 697.50 Td (A) Tj ET Q q 0 0 0 rg BT 258.02 697.50 Td (verage, ) Tj ET Q q 0 0 0 rg BT 295.69 697.50 Td (JPMor) Tj ET Q q 0 0 0 rg BT 327.48 697.50 Td (gan ) Tj ET Q q 0 0 0 rg BT 347.50 697.50 Td (Chase ) Tj ET Q q 0 0 0 rg BT 379.52 697.50 Td (& ) Tj ET Q q 0 0 0 rg BT 391.55 697.50 Td (Co. ) Tj ET Q q 0 0 0 rg BT 411.25 697.50 Td (serves ) Tj ET Q q 0 0 0 rg BT 443.93 697.50 Td (millions ) Tj ET Q q 0 0 0 rg BT 485.97 697.50 Td (of ) Tj ET Q q 0 0 0 rg BT 498.66 697.50 Td (consumers ) Tj ET Q q 0 0 0 rg BT 552.68 697.50 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 68.11 683.10 Td (United ) Tj ET Q q 0 0 0 rg BT 104.22 683.10 Td (States ) Tj ET Q q 0 0 0 rg BT 136.33 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.10 683.10 Td (many ) Tj ET Q q 0 0 0 rg BT 187.21 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.66 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.76 683.10 Td (world's ) Tj ET Q q 0 0 0 rg BT 257.04 683.10 Td (most ) Tj ET Q q 0 0 0 rg BT 283.83 683.10 Td (prominent ) Tj ET Q q 0 0 0 rg BT 336.60 683.10 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 388.35 683.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 449.13 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.91 683.10 Td (government ) Tj ET Q q 0 0 0 rg BT 530.67 683.10 Td (clients ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (under ) Tj ET Q q 0 0 0 rg BT 83.27 668.70 Td (its ) Tj ET Q q 0 0 0 rg BT 100.55 668.70 Td (J.P) Tj ET Q q 0 0 0 rg BT 113.56 668.70 Td (. ) Tj ET Q q 0 0 0 rg BT 122.51 668.70 Td (Mor) Tj ET Q q 0 0 0 rg BT 142.96 668.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 166.23 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 189.50 668.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 224.77 668.70 Td (brands. ) Tj ET Q q 0 0 0 rg BT 265.71 668.70 Td (Information ) Tj ET Q q 0 0 0 rg BT 328.97 668.70 Td (about ) Tj ET Q q 0 0 0 rg BT 361.57 668.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 393.37 668.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 416.64 668.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 451.91 668.70 Td (& ) Tj ET Q q 0 0 0 rg BT 467.19 668.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 490.14 668.70 Td (is ) Tj ET Q q 0 0 0 rg BT 504.08 668.70 Td (available ) Tj ET Q q 0 0 0 rg BT 553.34 668.70 Td (at) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 562.00 668.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 50.00 654.30 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 75.22 654.30 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 106.67 654.30 Td (ganchase.com.) 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declared) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.30 525.63 Td (0.30) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 372.30 525.63 Td (0.30) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 438.30 525.63 Td (0.30) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 501.00 525.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.00 525.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 516.63 Td (Book value) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 302.95 516.63 Td (52.02) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 368.95 516.63 Td (51.27) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 434.95 516.63 Td (47.48) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 516.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 549.30 516.63 Td (10) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 507.63 Td (Tangible book value \(b\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 302.95 507.63 Td (39.54) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 368.95 507.63 Td (38.75) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 434.95 507.63 Td (34.79) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 507.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 549.30 507.63 Td (14) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 494.63 Td (Closing share price \(c\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 302.95 494.63 Td (47.46) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 368.95 494.63 Td (43.97) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 434.95 494.63 Td (45.98) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 494.63 Td (8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.65 494.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 485.63 Td (Market capitalization) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 296.30 485.63 Td (179,863) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 362.30 485.63 Td (167,260) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 428.30 485.63 Td (175,737) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 485.63 Td (8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.65 485.63 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 39.00 472.63 Td (COMMON SHARES OUTSTANDING) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 463.63 Td (Average: Basic) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 297.95 463.63 Td (3,818.2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.95 463.63 Td (3,806.7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 429.95 463.63 Td (3,818.8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 501.00 463.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.00 463.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 454.63 Td ( Diluted) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 297.95 454.63 Td (3,847.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.95 454.63 Td (3,820.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 429.95 454.63 Td (3,833.4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 454.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.00 454.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 445.63 Td (Common shares at period-end) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 297.95 445.63 Td (3,789.8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.95 445.63 Td (3,804.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 429.95 445.63 Td (3,822.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 501.00 445.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 550.65 445.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 556.00 445.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 39 431.68115234375 m 104.4375 431.68115234375 l s q 0 0 0 rg BT 39.00 432.63 Td (FINANCIAL RATIOS \(d\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 423.63 Td (Return on common equity \("ROE"\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.30 423.63 Td (13) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 323.00 423.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 377.30 423.63 Td (11) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.00 423.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 443.30 423.63 Td (11) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 455.00 423.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 414.28 Td (Return on tangible common equity \("ROTCE"\) \(b\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.30 414.28 Td (17) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 377.30 414.28 Td (15) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 443.30 414.28 Td (15) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 403.63 Td (Return on assets) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.30 403.63 Td (1.14) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 372.30 403.63 Td (0.98) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 438.30 403.63 Td (0.88) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 394.63 Td (Return on risk-weighted assets \(e\)\(f\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.30 394.63 Td (1.88) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 323.00 394.63 Td (\(i\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 372.30 394.63 Td (1.76) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 438.30 394.63 Td (1.57) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 39 380.68115234375 m 95.994140625 380.68115234375 l s q 0 0 0 rg BT 39.00 381.63 Td (CAPITAL RATIOS \(f\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 372.63 Td (Tier 1 capital ratio) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.30 372.63 Td (11.6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 323.00 372.63 Td (\(i\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 372.30 372.63 Td (12.6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 438.30 372.63 Td (11.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 363.63 Td (Total capital ratio) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.30 363.63 Td (14.1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 323.00 363.63 Td (\(i\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 372.30 363.63 Td (15.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 438.30 363.63 Td (14.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 354.63 Td (Tier 1 common capital ratio \(g\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.30 354.63 Td (10.2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 323.00 354.63 Td (\(i\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 372.30 354.63 Td (11.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 441.65 354.63 Td (9.8) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 39 339.33115234375 m 177.5537109375 339.33115234375 l s q 0 0 0 rg BT 39.00 340.28 Td (SELECTED BALANCE SHEET DATA \(period-end\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 329.63 Td (Total assets) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 275.00 329.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 291.30 329.63 Td (2,389,349) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 341.00 329.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.30 329.63 Td (2,359,141) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 407.00 329.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 423.30 329.63 Td (2,320,164) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 329.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.65 329.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 320.63 Td (Loans:) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 45.00 311.63 Td (Consumer, excluding credit card loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 296.30 311.63 Td (290,082) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 362.30 311.63 Td (292,620) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 428.30 311.63 Td (304,770) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 497.65 311.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 503.00 311.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 550.65 311.63 Td (\(5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 556.00 311.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 45.00 302.63 Td (Credit card loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 296.30 302.63 Td (121,865) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 362.30 302.63 Td (127,993) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 428.30 302.63 Td (125,331) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 497.65 302.63 Td (\(5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 503.00 302.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 550.65 302.63 Td (\(3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 556.00 302.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 45.00 293.63 Td (Wholesale loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 296.30 293.63 Td (316,939) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 362.30 293.63 Td (313,183) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 428.30 293.63 Td (290,866) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 293.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.65 293.63 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 51.00 284.63 Td (Total Loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 296.30 284.63 Td (728,886) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 362.30 284.63 Td (733,796) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 428.30 284.63 Td (720,967) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 497.65 284.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 503.00 284.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.65 284.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 275.63 Td (Deposits) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 291.30 275.63 Td (1,202,507) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.30 275.63 Td (1,193,593) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 423.30 275.63 Td (1,128,512) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 275.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.65 275.63 Td (7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 266.63 Td (Common stockholders' equity) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 296.30 266.63 Td (197,128) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 362.30 266.63 Td (195,011) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 428.30 266.63 Td (181,469) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 266.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.65 266.63 Td (9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 257.63 Td (Total stockholders' equity) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 296.30 257.63 Td (207,086) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 362.30 257.63 Td (204,069) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 428.30 257.63 Td (189,269) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 257.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.65 257.63 Td (9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 244.63 Td (Deposits-to-loans ratio) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 307.95 244.63 Td (165) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 323.00 244.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.95 244.63 Td (163) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.00 244.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 439.95 244.63 Td (157) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 455.00 244.63 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 39.00 231.63 Td (Headcount \(h\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 296.30 231.63 Td (255,898) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 362.30 231.63 Td (258,753) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 428.30 231.63 Td (261,169) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 497.65 231.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 503.00 231.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 550.65 231.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 556.00 231.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 39 217.68115234375 m 156.33984375 217.68115234375 l s q 0 0 0 rg BT 39.00 218.63 Td (LINE OF BUSINESS NET INCOME/\(LOSS\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 209.63 Td (Consumer & Community Banking) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 275.00 209.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 302.95 209.63 Td (2,586) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 341.00 209.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 368.95 209.63 Td (2,014) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 407.00 209.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 434.95 209.63 Td (2,936) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.30 209.63 Td (28) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 547.30 209.63 Td (\(12) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 556.00 209.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 200.63 Td (Corporate & Investment Bank) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 302.95 200.63 Td (2,610) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 368.95 200.63 Td (2,005) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 434.95 200.63 Td (2,033) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.30 200.63 Td (30) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 549.30 200.63 Td (28) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 191.63 Td (Commercial Banking) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 307.95 191.63 Td (596) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.95 191.63 Td (692) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 439.95 191.63 Td (591) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 494.30 191.63 Td (\(14) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 503.00 191.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.65 191.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 182.63 Td (Asset Management) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 307.95 182.63 Td (487) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.95 182.63 Td (483) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 439.95 182.63 Td (386) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.65 182.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 549.30 182.63 Td (26) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 173.63 Td (Corporate/Private Equity) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 307.95 173.63 Td (250) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.95 173.63 Td (498) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 432.95 173.63 Td (\(1,022) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.00 173.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 494.30 173.63 Td (\(50) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 503.00 173.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 545.65 173.63 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 45.00 164.63 Td (NET INCOME) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 275.00 164.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 302.95 164.63 Td (6,529) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 341.00 164.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.95 164.63 Td (5,692) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.00 164.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.95 164.63 Td (4,924) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.30 164.63 Td (15) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 549.30 164.63 Td (33) Tj ET Q BT /F2 10.00 Tf ET BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 148.00 Td (\(a\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 148.00 Td (For a further discussion of managed basis, see) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 178.73 148.00 Td ( Note \(a\) on page 13.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 142.00 Td (\(b\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 142.00 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 142.00 Td (angible book value per share and ROTCE are non-GAAP) Tj ET Q q 0 0 0 rg BT 208.98 142.00 Td ( financial measures. ) Tj ET Q q 0 0 0 rg BT 263.89 142.00 Td (T) Tj ET Q q 0 0 0 rg BT 266.89 142.00 Td (angible book value per share represents the Firm's tangible common equity divided by period-end common shares. ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 136.00 Td (ROTCE measures the Firm's annualized earnings as a percentage of tangible common equity) Tj ET Q q 0 0 0 rg BT 302.16 136.00 Td (. For further discussion of these measures, see page 42) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.57 136.00 Td ( of the Earnings Release Financial ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 130.00 Td (Supplement.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 124.00 Td (\(c\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 124.00 Td (Share prices shown for JPMorgan Chase's common stock are from the New ) Tj ET Q q 0 0 0 rg BT 257.12 124.00 Td (Y) Tj ET Q q 0 0 0 rg BT 260.57 124.00 Td (ork Stock Exchange. JPMorgan Chase's common stock is also listed and traded on the London Stock Exchange and ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 118.00 Td (the ) Tj ET Q q 0 0 0 rg BT 63.90 118.00 Td (T) Tj ET Q q 0 0 0 rg BT 66.90 118.00 Td (okyo Stock Exchange.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 126.27 118.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 112.00 Td (\(d\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 112.00 Td (Ratios are based upon annualized amounts.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 171.41 112.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 106.00 Td (\(e\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 106.00 Td (Return on Basel I risk-weighted assets is the annualized earnings of the Firm divided by its average risk-weighted assets.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 375.49 106.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 100.00 Td (\(f\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 100.00 Td (In the first quarter of 2013, the Firm implemented rules that provide for additional capital requirements for trading positions and securitizations \(Basel 2.5\). ) Tj ET Q q 0 0 0 rg BT 466.76 100.00 Td (This implementation resulted in an ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 94.00 Td (increase to risk-weighted assets of approximately $150 billion and decreases to the Firm? Tj ET Q q 0 0 0 rg BT 289.68 94.00 Td (s ) Tj ET Q q 0 0 0 rg BT 294.23 94.00 Td (T) Tj ET Q q 0 0 0 rg BT 297.68 94.00 Td (ier 1 capital, ) Tj ET Q q 0 0 0 rg BT 331.58 94.00 Td (T) Tj ET Q q 0 0 0 rg BT 334.58 94.00 Td (otal capital and ) Tj ET Q q 0 0 0 rg BT 376.51 94.00 Td (T) Tj ET Q q 0 0 0 rg BT 379.95 94.00 Td (ier 1 common capital ratios of 140 bps, 160 bps and 120 bps, ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 88.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 85.23 88.00 Td (.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 82.00 Td (\(g\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 82.00 Td (Basel I ) Tj ET Q q 0 0 0 rg BT 73.90 82.00 Td (T) Tj ET Q q 0 0 0 rg BT 77.34 82.00 Td (ier 1 common capital ratio \(T) Tj ET Q q 0 0 0 rg BT 155.14 82.00 Td (ier 1 common ratio\) is ) Tj ET Q q 0 0 0 rg BT 216.38 82.00 Td (T) Tj ET Q q 0 0 0 rg BT 219.83 82.00 Td (ier 1 common capital \(T) Tj ET Q q 0 0 0 rg BT 284.29 82.00 Td (ier 1 common\) divided by risk-weighted assets. ) Tj ET Q q 0 0 0 rg BT 412.56 82.00 Td (The Firm uses ) Tj ET Q q 0 0 0 rg BT 452.46 82.00 Td (T) Tj ET Q q 0 0 0 rg BT 455.90 82.00 Td (ier 1 common capital along with the other ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 76.00 Td (capital measures to assess and monitor its capital position. For further discussion of the ) Tj ET Q q 0 0 0 rg BT 288.00 76.00 Td (T) Tj ET Q q 0 0 0 rg BT 291.45 76.00 Td (ier 1 common capital ratio, see page 42) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 396.50 76.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 70.00 Td (\(h\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 70.00 Td (Ef) Tj ET Q q 0 0 0 rg BT 59.56 70.00 Td (fective January 1, 2013, interns are excluded from the Firmwide and business segment headcount metrics) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 341.04 70.00 Td (. Prior periods were revised to conform with this presentation.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 64.00 Td (\(i\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 64.00 Td (Estimated.) 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