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Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 99.00 295.65 Td (JPMorgan ) Tj ET Q q 0 0 0 rg BT 151.85 295.65 Td (Chase ) Tj ET Q q 0 0 0 rg BT 183.33 295.65 Td (supported ) Tj ET Q q 0 0 0 rg BT 233.76 295.65 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 289.36 295.65 Td (businesses ) Tj ET Q q 0 0 0 rg BT 340.41 295.65 Td (and ) Tj ET Q q 0 0 0 rg BT 360.89 295.65 Td (our) Tj ET Q q 0 0 0 rg BT 377.20 295.65 Td ( ) Tj ET Q q 0 0 0 rg BT 379.95 295.65 Td (communities) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 4.00 0 0 11.00 104.00 278.08 cm /I8 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 280.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 280.45 Td ( ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 124.50 280.45 Td ($455 ) Tj ET Q q 0 0 0 rg BT 149.25 280.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 181.96 280.45 Td (of ) Tj ET Q q 0 0 0 rg BT 193.87 280.45 Td (cr) Tj ET Q q 0 0 0 rg BT 203.44 280.45 Td (edit ) Tj ET Q q 0 0 0 rg BT 223.91 280.45 Td (and ) Tj ET Q q 0 0 0 rg BT 244.39 280.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 278.92 280.45 Td (raised ) Tj ET Q q 0 0 0 rg BT 310.39 280.45 Td (in ) Tj ET Q q 0 0 0 rg BT 322.31 280.45 Td (the ) Tj ET Q q 0 0 0 rg BT 339.73 280.45 Td (first ) Tj ET Q q 0 0 0 rg BT 362.02 280.45 Td (quarter) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 398.07 285.43 Td (1) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 264.88 cm /I9 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 267.25 Td ($47 ) Tj ET Q q 0 0 0 rg BT 167.75 267.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 200.46 267.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.37 267.25 Td (cr) Tj ET Q q 0 0 0 rg BT 221.94 267.25 Td (edit ) Tj ET Q q 0 0 0 rg BT 242.41 267.25 Td (for) Tj ET Q q 0 0 0 rg BT 256.25 267.25 Td ( ) Tj ET Q q 0 0 0 rg BT 259.00 267.25 Td (consumers) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 251.68 cm /I10 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 254.05 Td ($5 ) Tj ET Q q 0 0 0 rg BT 162.25 254.05 Td (billion ) Tj ET Q q 0 0 0 rg BT 194.96 254.05 Td (of ) Tj ET Q q 0 0 0 rg BT 206.87 254.05 Td (cr) Tj ET Q q 0 0 0 rg BT 216.44 254.05 Td (edit ) Tj ET Q q 0 0 0 rg BT 236.91 254.05 Td (for) Tj ET Q q 0 0 0 rg BT 250.75 254.05 Td ( ) Tj ET Q q 0 0 0 rg BT 253.50 254.05 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 275.82 254.05 Td (small ) Tj ET Q q 0 0 0 rg BT 303.62 254.05 Td (businesses) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 238.48 cm /I11 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 240.85 Td ($138 ) Tj ET Q q 0 0 0 rg BT 173.25 240.85 Td (billion ) Tj ET Q q 0 0 0 rg BT 205.96 240.85 Td (of ) Tj ET Q q 0 0 0 rg BT 217.87 240.85 Td (cr) Tj ET Q q 0 0 0 rg BT 227.44 240.85 Td (edit ) Tj ET Q q 0 0 0 rg BT 247.91 240.85 Td (for) Tj ET Q q 0 0 0 rg BT 261.75 240.85 Td ( ) Tj ET Q q 0 0 0 rg BT 264.50 240.85 Td (corporations) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 225.28 cm /I12 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 227.65 Td ($253 ) Tj ET Q q 0 0 0 rg BT 173.25 227.65 Td (billion ) Tj ET Q q 0 0 0 rg BT 205.96 227.65 Td (of ) Tj ET Q q 0 0 0 rg BT 217.87 227.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 252.40 227.65 Td (raised ) Tj ET Q q 0 0 0 rg BT 283.87 227.65 Td (for) Tj ET Q q 0 0 0 rg BT 297.71 227.65 Td ( ) Tj ET Q q 0 0 0 rg BT 300.46 227.65 Td (clients) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 212.08 cm /I13 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 214.45 Td ($12 ) Tj ET Q q 0 0 0 rg BT 167.61 214.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 200.17 214.45 Td (of ) Tj ET Q q 0 0 0 rg BT 211.94 214.45 Td (cr) Tj ET Q q 0 0 0 rg BT 221.51 214.45 Td (edit ) Tj ET Q q 0 0 0 rg BT 241.83 214.45 Td (and ) Tj ET Q q 0 0 0 rg BT 262.18 214.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 296.56 214.45 Td (raised ) Tj ET Q q 0 0 0 rg BT 327.88 214.45 Td (for) Tj ET Q q 0 0 0 rg BT 341.73 214.45 Td ( ) Tj ET Q q 0 0 0 rg BT 344.34 214.45 Td (nonpr) Tj ET Q q 0 0 0 rg BT 372.87 214.45 Td (ofit ) Tj ET Q q 0 0 0 rg BT 391.36 214.45 Td (and ) Tj ET Q q 0 0 0 rg BT 411.70 214.45 Td (government ) Tj ET Q q 0 0 0 rg BT 470.52 214.45 Td (entities, ) Tj ET Q q 0 0 0 rg BT 509.48 214.45 Td (including ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 201.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 180.27 201.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 251.78 201.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 296.10 201.25 Td (and ) Tj ET Q q 0 0 0 rg BT 316.58 201.25 Td (universities) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 104.00 183.68 cm /I14 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.00 186.05 Td (Hir) Tj ET Q q 0 0 0 rg BT 138.30 186.05 Td (ed ) Tj ET Q q 0 0 0 rg BT 152.05 186.05 Td (over) Tj ET Q q 0 0 0 rg BT 172.61 186.05 Td ( ) Tj ET Q q 0 0 0 rg BT 175.36 186.05 Td (6,700 ) Tj ET Q q 0 0 0 rg BT 202.86 186.05 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 225.17 186.05 Td (veterans ) Tj ET Q q 0 0 0 rg BT 267.63 186.05 Td (and ) Tj ET Q q 0 0 0 rg BT 288.12 186.05 Td (service ) Tj ET Q q 0 0 0 rg BT 323.23 186.05 Td (members ) Tj ET Q q 0 0 0 rg BT 369.35 186.05 Td (since ) Tj ET Q q 0 0 0 rg BT 395.32 186.05 Td (201) Tj ET Q q 0 0 0 rg BT 411.22 186.05 Td (1) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 149.10000000000002 m 299.5 149.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 149.10000000000002 m 553.5 149.10000000000002 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 48.00 139.55 Td (Investor Contact:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.24 139.55 Td ( Sarah ) Tj ET Q q 0 0 0 rg BT 135.90 139.55 Td (Y) Tj ET Q q 0 0 0 rg BT 141.49 139.55 Td (oungwood \(212\)?70-7325) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 377.75 139.55 Td (Media Contact:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.49 139.55 Td ( Joe Evangelisti \(212\)?70-7438) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 125.98 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 122.35 Td ( For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 130.75 122.35 Td ( financial measures, including managed basis reporting, see page 12.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 350.23 125.98 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.53 122.35 Td (For additional notes on financial measures, see page 13.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 113.68 Td (2 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 110.05 Td (Percentage comparisons noted in the bullet points are calculated versus the prior) Tj ET Q q 0 0 0 rg BT 308.77 110.05 Td (-year first quarter) Tj ET Q q 0 0 0 rg BT 364.29 110.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 101.33 Td (3 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 97.70 Td (The ) Tj ET Q q 0 0 0 rg BT 66.34 97.70 Td (Firm? Tj ET Q q 0 0 0 rg BT 84.12 97.70 Td (s ) Tj ET Q q 0 0 0 rg BT 89.23 97.70 Td (dividends ) Tj ET Q q 0 0 0 rg BT 122.34 97.70 Td (are ) Tj ET Q q 0 0 0 rg BT 134.11 97.70 Td (subject ) Tj ET Q q 0 0 0 rg BT 158.77 97.70 Td (to ) Tj ET Q q 0 0 0 rg BT 166.99 97.70 Td (the ) Tj ET Q q 0 0 0 rg BT 178.76 97.70 Td (Board? Tj ET Q q 0 0 0 rg BT 200.54 97.70 Td (s ) Tj ET Q q 0 0 0 rg BT 205.65 97.70 Td (approval ) Tj ET Q q 0 0 0 rg BT 235.64 97.70 Td (at ) Tj ET Q q 0 0 0 rg BT 243.41 97.70 Td (the ) Tj ET Q q 0 0 0 rg BT 255.18 97.70 Td (customary ) Tj ET Q q 0 0 0 rg BT 290.51 97.70 Td (times ) Tj ET Q q 0 0 0 rg BT 309.84 97.70 Td (those ) Tj ET Q q 0 0 0 rg BT 328.73 97.70 Td (dividends ) Tj ET Q q 0 0 0 rg BT 361.84 97.70 Td (are ) Tj ET Q q 0 0 0 rg BT 373.60 97.70 Td (declared.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 88.33 Td (4 ) Tj ET Q BT /F1 5.20 Tf ET q 0 0 0 rg BT 51.90 88.33 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.20 84.70 Td (Represents ) Tj ET Q q 0 0 0 rg BT 90.30 84.70 Td (the ) Tj ET Q q 0 0 0 rg BT 102.07 84.70 Td (estimated ) Tj ET Q q 0 0 0 rg BT 134.73 84.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 158.50 84.70 Td (of ) Tj ET Q q 0 0 0 rg BT 167.16 84.70 Td (Basel ) Tj ET Q q 0 0 0 rg BT 186.94 84.70 Td (III ) Tj ET Q q 0 0 0 rg BT 196.49 84.70 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 230.92 84.70 Td (fully ) Tj ET Q q 0 0 0 rg BT 248.03 84.70 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 281.13 84.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 304.45 84.70 Td (rules ) Tj ET Q q 0 0 0 rg BT 322.00 84.70 Td (the ) Tj ET Q q 0 0 0 rg BT 333.77 84.70 Td (Firm ) Tj ET Q q 0 0 0 rg BT 351.33 84.70 Td (will ) Tj ET Q q 0 0 0 rg BT 365.78 84.70 Td (be ) Tj ET Q q 0 0 0 rg BT 375.33 84.70 Td (subject ) Tj ET Q q 0 0 0 rg BT 399.99 84.70 Td (to ) Tj ET Q q 0 0 0 rg BT 408.21 84.70 Td (as ) Tj ET Q q 0 0 0 rg BT 416.88 84.70 Td (of ) Tj ET Q q 0 0 0 rg BT 425.54 84.70 Td (January ) Tj ET Q q 0 0 0 rg BT 452.42 84.70 Td (1, ) Tj ET Q q 0 0 0 rg BT 460.42 84.70 Td (2019.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 74.98 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 71.35 Td ( HQLA) Tj ET Q q 0 0 0 rg BT 74.38 71.35 Td ( is the estimated amount of assets that will qualify for inclusion in the Basel III Liquidity Coverage Ratio.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 61.98 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 58.35 Td ( Estimated.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 208.00 0 0 15.00 346.00 731.02 cm /I15 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 45.00 702.00 Td (New ) Tj ET Q q 0 0 0 rg BT 68.71 702.00 Td (Y) Tj ET Q q 0 0 0 rg BT 75.43 702.00 Td (ork, ) Tj ET Q q 0 0 0 rg BT 97.37 702.00 Td (April ) Tj ET Q q 0 0 0 rg BT 125.88 702.00 Td (1) Tj ET Q q 0 0 0 rg BT 130.77 702.00 Td (1, ) Tj ET Q q 0 0 0 rg BT 142.47 702.00 Td (2014 ) Tj ET Q q 0 0 0 rg BT 167.93 702.00 Td (- ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 175.04 702.00 Td (JPMor) Tj ET Q q 0 0 0 rg BT 206.83 702.00 Td (ganChase ) Tj ET Q q 0 0 0 rg BT 260.25 702.00 Td (& ) Tj ET Q q 0 0 0 rg BT 273.35 702.00 Td (Co. ) Tj ET Q q 0 0 0 rg BT 294.12 702.00 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 336.55 702.00 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 366.32 702.00 Td (today ) Tj ET Q q 0 0 0 rg BT 396.75 702.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 440.49 702.00 Td (net ) Tj ET Q q 0 0 0 rg BT 458.91 702.00 Td (income ) Tj ET Q q 0 0 0 rg BT 498.00 702.00 Td (for ) Tj ET Q q 0 0 0 rg BT 515.76 702.00 Td (the ) Tj ET Q q 0 0 0 rg BT 534.18 702.00 Td (first ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 687.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 80.94 687.60 Td (of ) Tj ET Q q 0 0 0 rg BT 92.90 687.60 Td (2014 ) Tj ET Q q 0 0 0 rg BT 118.86 687.60 Td (of ) Tj ET Q q 0 0 0 rg BT 130.82 687.60 Td ($5.3 ) Tj ET Q q 0 0 0 rg BT 153.79 687.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 190.08 687.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 239.36 687.60 Td (with ) Tj ET Q q 0 0 0 rg BT 262.65 687.60 Td (net ) Tj ET Q q 0 0 0 rg BT 279.28 687.60 Td (income ) Tj ET Q q 0 0 0 rg BT 316.56 687.60 Td (of ) Tj ET Q q 0 0 0 rg BT 328.52 687.60 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 351.48 687.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 384.78 687.60 Td (in ) Tj ET Q q 0 0 0 rg BT 396.08 687.60 Td (the ) Tj ET Q q 0 0 0 rg BT 412.70 687.60 Td (first ) Tj ET Q q 0 0 0 rg BT 433.99 687.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 469.93 687.60 Td (of ) Tj ET Q q 0 0 0 rg BT 481.89 687.60 Td (2013. ) Tj ET Q q 0 0 0 rg BT 510.86 687.60 Td (Earnings ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 673.20 Td (per ) Tj ET Q q 0 0 0 rg BT 63.12 673.20 Td (share ) Tj ET Q q 0 0 0 rg BT 91.25 673.20 Td (were ) Tj ET Q q 0 0 0 rg BT 117.36 673.20 Td ($1.28, ) Tj ET Q q 0 0 0 rg BT 150.16 673.20 Td (compared ) Tj ET Q q 0 0 0 rg BT 200.27 673.20 Td (with ) Tj ET Q q 0 0 0 rg BT 224.41 673.20 Td ($1.59 ) Tj ET Q q 0 0 0 rg BT 254.21 673.20 Td (in ) Tj ET Q q 0 0 0 rg BT 266.35 673.20 Td (the ) Tj ET Q q 0 0 0 rg BT 283.81 673.20 Td (first ) Tj ET Q q 0 0 0 rg BT 305.94 673.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 342.73 673.20 Td (of ) Tj ET Q q 0 0 0 rg BT 355.52 673.20 Td (2013. ) Tj ET Q q 0 0 0 rg BT 385.33 673.20 Td (Revenue) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 427.31 678.64 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 431.21 673.20 Td ( ) Tj ET Q q 0 0 0 rg BT 434.01 673.20 Td (for ) Tj ET Q q 0 0 0 rg BT 450.80 673.20 Td (the ) Tj ET Q q 0 0 0 rg BT 468.27 673.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 505.05 673.20 Td (was ) Tj ET Q q 0 0 0 rg BT 526.51 673.20 Td ($23.9 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 658.80 Td (billion, ) Tj ET Q q 0 0 0 rg BT 82.21 658.80 Td (down ) Tj ET Q q 0 0 0 rg BT 111.76 658.80 Td (8% ) Tj ET Q q 0 0 0 rg BT 130.63 658.80 Td (compared ) Tj ET Q q 0 0 0 rg BT 180.82 658.80 Td (with ) Tj ET Q q 0 0 0 rg BT 205.03 658.80 Td (the ) Tj ET Q q 0 0 0 rg BT 222.57 658.80 Td (prior ) Tj ET Q q 0 0 0 rg BT 248.78 658.80 Td (year) Tj ET Q q 0 0 0 rg BT 268.76 658.80 Td (. ) Tj ET Q q 0 0 0 rg BT 274.43 658.80 Td (The ) Tj ET Q q 0 0 0 rg BT 295.97 658.80 Td (Firm? Tj ET Q q 0 0 0 rg BT 322.64 658.80 Td (s ) Tj ET Q q 0 0 0 rg BT 330.19 658.80 Td (return ) Tj ET Q q 0 0 0 rg BT 361.72 658.80 Td (on ) Tj ET Q q 0 0 0 rg BT 376.60 658.80 Td (tangible ) Tj ET Q q 0 0 0 rg BT 418.13 658.80 Td (common ) Tj ET Q q 0 0 0 rg BT 463.00 658.80 Td (equity) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 493.00 664.24 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 496.90 658.80 Td ( ) Tj ET Q q 0 0 0 rg BT 499.77 658.80 Td (for ) Tj ET Q q 0 0 0 rg BT 516.64 658.80 Td (the ) Tj ET Q q 0 0 0 rg BT 534.18 658.80 Td (first ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 644.40 Td (quarter ) Tj ET Q q 0 0 0 rg BT 81.98 644.40 Td (of ) Tj ET Q q 0 0 0 rg BT 94.97 644.40 Td (2014 ) Tj ET Q q 0 0 0 rg BT 121.97 644.40 Td (was ) Tj ET Q q 0 0 0 rg BT 143.64 644.40 Td (13%, ) Tj ET Q q 0 0 0 rg BT 171.63 644.40 Td (compared ) Tj ET Q q 0 0 0 rg BT 221.94 644.40 Td (with ) Tj ET Q q 0 0 0 rg BT 246.28 644.40 Td (17% ) Tj ET Q q 0 0 0 rg BT 271.27 644.40 Td (in ) Tj ET Q q 0 0 0 rg BT 283.61 644.40 Td (the ) Tj ET Q q 0 0 0 rg BT 301.27 644.40 Td (prior ) Tj ET Q q 0 0 0 rg BT 327.59 644.40 Td (year) Tj ET Q q 0 0 0 rg BT 347.58 644.40 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 624.00 Td (As ) Tj ET Q q 0 0 0 rg BT 62.51 624.00 Td (previously ) Tj ET Q q 0 0 0 rg BT 117.35 624.00 Td (announced, ) Tj ET Q q 0 0 0 rg BT 176.51 624.00 Td (the ) Tj ET Q q 0 0 0 rg BT 195.35 624.00 Td (Board ) Tj ET Q q 0 0 0 rg BT 228.85 624.00 Td (of ) Tj ET Q q 0 0 0 rg BT 243.02 624.00 Td (Directors ) Tj ET Q q 0 0 0 rg BT 291.85 624.00 Td (intends ) Tj ET Q q 0 0 0 rg BT 330.69 624.00 Td (to ) Tj ET Q q 0 0 0 rg BT 344.20 624.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 387.69 624.00 Td (the ) Tj ET Q q 0 0 0 rg BT 406.52 624.00 Td (second-quarter ) Tj ET Q q 0 0 0 rg BT 482.00 624.00 Td (common ) Tj ET Q q 0 0 0 rg BT 528.17 624.00 Td (stock ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 609.60 Td (dividend ) Tj ET Q q 0 0 0 rg BT 90.18 609.60 Td (to ) Tj ET Q q 0 0 0 rg BT 102.71 609.60 Td ($0.40 ) Tj ET Q q 0 0 0 rg BT 132.90 609.60 Td (per ) Tj ET Q q 0 0 0 rg BT 151.41 609.60 Td (share) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 176.73 615.04 Td (3) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 180.63 609.60 Td ( ) Tj ET Q q 0 0 0 rg BT 183.82 609.60 Td (from ) Tj ET Q q 0 0 0 rg BT 210.34 609.60 Td (the ) Tj ET Q q 0 0 0 rg BT 228.19 609.60 Td (current ) Tj ET Q q 0 0 0 rg BT 265.36 609.60 Td ($0.38 ) Tj ET Q q 0 0 0 rg BT 295.55 609.60 Td (per ) Tj ET Q q 0 0 0 rg BT 314.06 609.60 Td (share; ) Tj ET Q q 0 0 0 rg BT 345.90 609.60 Td (and ) Tj ET Q q 0 0 0 rg BT 366.42 609.60 Td (the ) Tj ET Q q 0 0 0 rg BT 384.27 609.60 Td (Board ) Tj ET Q q 0 0 0 rg BT 416.79 609.60 Td (has ) Tj ET Q q 0 0 0 rg BT 435.97 609.60 Td (also ) Tj ET Q q 0 0 0 rg BT 458.49 609.60 Td (authorized ) Tj ET Q q 0 0 0 rg BT 512.33 609.60 Td (the ) Tj ET Q q 0 0 0 rg BT 530.18 609.60 Td (Firm ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 595.20 Td (to ) Tj ET Q q 0 0 0 rg BT 57.86 595.20 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 113.36 595.20 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 137.89 595.20 Td (billion ) Tj ET Q q 0 0 0 rg BT 172.76 595.20 Td (of ) Tj ET Q q 0 0 0 rg BT 186.28 595.20 Td (common ) Tj ET Q q 0 0 0 rg BT 231.81 595.20 Td (equity ) Tj ET Q q 0 0 0 rg BT 265.33 595.20 Td (commencing ) Tj ET Q q 0 0 0 rg BT 330.84 595.20 Td (within ) Tj ET Q q 0 0 0 rg BT 365.04 595.20 Td (the ) Tj ET Q q 0 0 0 rg BT 383.23 595.20 Td (second ) Tj ET Q q 0 0 0 rg BT 420.08 595.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 457.59 595.20 Td (of ) Tj ET Q q 0 0 0 rg BT 471.12 595.20 Td (this ) Tj ET Q q 0 0 0 rg BT 491.99 595.20 Td (year ) Tj ET Q q 0 0 0 rg BT 516.17 595.20 Td (through ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 580.80 Td (the ) Tj ET Q q 0 0 0 rg BT 63.04 580.80 Td (end ) Tj ET Q q 0 0 0 rg BT 83.75 580.80 Td (of ) Tj ET Q q 0 0 0 rg BT 97.13 580.80 Td (the ) Tj ET Q q 0 0 0 rg BT 115.18 580.80 Td (first ) Tj ET Q q 0 0 0 rg BT 137.89 580.80 Td (quarter ) Tj ET Q q 0 0 0 rg BT 175.25 580.80 Td (of ) Tj ET Q q 0 0 0 rg BT 188.63 580.80 Td (2015. ) Tj ET Q q 0 0 0 rg BT 219.02 580.80 Td (During ) Tj ET Q q 0 0 0 rg BT 256.40 580.80 Td (the ) Tj ET Q q 0 0 0 rg BT 274.44 580.80 Td (first ) Tj ET Q q 0 0 0 rg BT 297.16 580.80 Td (quarter ) Tj ET Q q 0 0 0 rg BT 334.52 580.80 Td (of ) Tj ET Q q 0 0 0 rg BT 347.90 580.80 Td (2014, ) Tj ET Q q 0 0 0 rg BT 378.28 580.80 Td (the ) Tj ET Q q 0 0 0 rg BT 396.33 580.80 Td (Firm ) Tj ET Q q 0 0 0 rg BT 423.05 580.80 Td (repurchased ) Tj ET Q q 0 0 0 rg BT 484.40 580.80 Td ($0.4 ) Tj ET Q q 0 0 0 rg BT 508.78 580.80 Td (billion ) Tj ET Q q 0 0 0 rg BT 543.50 580.80 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 566.40 Td (common ) Tj ET Q q 0 0 0 rg BT 89.30 566.40 Td (equity) Tj ET Q q 0 0 0 rg BT 118.52 566.40 Td (. ) Tj ET Q q 0 0 0 rg BT 123.66 566.40 Td (The ) Tj ET Q q 0 0 0 rg BT 144.62 566.40 Td (Federal ) Tj ET Q q 0 0 0 rg BT 182.91 566.40 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 223.87 566.40 Td (Board ) Tj ET Q q 0 0 0 rg BT 255.50 566.40 Td (informed ) Tj ET Q q 0 0 0 rg BT 301.79 566.40 Td (the ) Tj ET Q q 0 0 0 rg BT 318.76 566.40 Td (Firm ) Tj ET Q q 0 0 0 rg BT 344.40 566.40 Td (that ) Tj ET Q q 0 0 0 rg BT 364.71 566.40 Td (it ) Tj ET Q q 0 0 0 rg BT 373.68 566.40 Td (does ) Tj ET Q q 0 0 0 rg BT 397.98 566.40 Td (not ) Tj ET Q q 0 0 0 rg BT 415.63 566.40 Td (object ) Tj ET Q q 0 0 0 rg BT 447.25 566.40 Td (to ) Tj ET Q q 0 0 0 rg BT 458.89 566.40 Td (the ) Tj ET Q q 0 0 0 rg BT 475.86 566.40 Td (Firm? Tj ET Q q 0 0 0 rg BT 502.53 566.40 Td (s ) Tj ET Q q 0 0 0 rg BT 509.51 566.40 Td (proposed ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 552.00 Td (2014 ) Tj ET Q q 0 0 0 rg BT 72.00 552.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 106.98 552.00 Td (distribution ) Tj ET Q q 0 0 0 rg BT 165.32 552.00 Td (plan.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 531.60 Td (Jamie ) Tj ET Q q 0 0 0 rg BT 74.91 531.60 Td (Dimon, ) Tj ET Q q 0 0 0 rg BT 113.16 531.60 Td (Chairman ) Tj ET Q q 0 0 0 rg BT 162.39 531.60 Td (and ) Tj ET Q q 0 0 0 rg BT 181.63 531.60 Td (Chief ) Tj ET Q q 0 0 0 rg BT 210.21 531.60 Td (Executive ) Tj ET Q q 0 0 0 rg BT 260.10 531.60 Td (Of) Tj ET Q q 0 0 0 rg BT 272.55 531.60 Td (ficer) Tj ET Q q 0 0 0 rg BT 294.05 531.60 Td (, ) Tj ET Q q 0 0 0 rg BT 298.96 531.60 Td (commented ) Tj ET Q q 0 0 0 rg BT 356.86 531.60 Td (on ) Tj ET Q q 0 0 0 rg BT 370.78 531.60 Td (the ) Tj ET Q q 0 0 0 rg BT 387.35 531.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 431.24 531.60 Td (results: ) Tj ET Q q 0 0 0 rg BT 467.82 531.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 504.94 531.60 Td (gan ) Tj ET Q q 0 0 0 rg BT 524.19 531.60 Td (Chase ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 517.20 Td (had ) Tj ET Q q 0 0 0 rg BT 64.65 517.20 Td (a ) Tj ET Q q 0 0 0 rg BT 72.29 517.20 Td (good ) Tj ET Q q 0 0 0 rg BT 98.61 517.20 Td (start ) Tj ET Q q 0 0 0 rg BT 121.59 517.20 Td (to ) Tj ET Q q 0 0 0 rg BT 133.25 517.20 Td (the ) Tj ET Q q 0 0 0 rg BT 150.23 517.20 Td (year) Tj ET Q q 0 0 0 rg BT 170.40 517.20 Td (, ) Tj ET Q q 0 0 0 rg BT 175.72 517.20 Td (given ) Tj ET Q q 0 0 0 rg BT 204.70 517.20 Td (there ) Tj ET Q q 0 0 0 rg BT 231.00 517.20 Td (were ) Tj ET Q q 0 0 0 rg BT 256.63 517.20 Td (industry-wide ) Tj ET Q q 0 0 0 rg BT 325.61 517.20 Td (headwinds ) Tj ET Q q 0 0 0 rg BT 379.25 517.20 Td (in ) Tj ET Q q 0 0 0 rg BT 390.91 517.20 Td (Markets ) Tj ET Q q 0 0 0 rg BT 432.55 517.20 Td (and ) Tj ET Q q 0 0 0 rg BT 452.20 517.20 Td (Mortgage. ) Tj ET Q q 0 0 0 rg BT 504.17 517.20 Td (Consumer ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 502.80 Td (& ) Tj ET Q q 0 0 0 rg BT 56.76 502.80 Td (Community ) Tj ET Q q 0 0 0 rg BT 116.53 502.80 Td (Banking ) Tj ET Q q 0 0 0 rg BT 159.62 502.80 Td (deposit ) Tj ET Q q 0 0 0 rg BT 196.71 502.80 Td (growth ) Tj ET Q q 0 0 0 rg BT 233.13 502.80 Td (and ) Tj ET Q q 0 0 0 rg BT 252.88 502.80 Td (card ) Tj ET Q q 0 0 0 rg BT 275.95 502.80 Td (sales ) Tj ET Q q 0 0 0 rg BT 301.71 502.80 Td (volume ) Tj ET Q q 0 0 0 rg BT 340.13 502.80 Td (both ) Tj ET Q q 0 0 0 rg BT 363.88 502.80 Td (remain ) Tj ET Q q 0 0 0 rg BT 399.63 502.80 Td (above ) Tj ET Q q 0 0 0 rg BT 430.71 502.80 Td (the ) Tj ET Q q 0 0 0 rg BT 447.79 502.80 Td (industry ) Tj ET Q q 0 0 0 rg BT 489.55 502.80 Td (average) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 526.85 508.24 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 530.75 502.80 Td (, ) Tj ET Q q 0 0 0 rg BT 536.18 502.80 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 488.40 Td (we ) Tj ET Q q 0 0 0 rg BT 61.15 488.40 Td (have ) Tj ET Q q 0 0 0 rg BT 85.97 488.40 Td (made ) Tj ET Q q 0 0 0 rg BT 114.12 488.40 Td (significant ) Tj ET Q q 0 0 0 rg BT 166.93 488.40 Td (progress ) Tj ET Q q 0 0 0 rg BT 209.75 488.40 Td (in ) Tj ET Q q 0 0 0 rg BT 221.25 488.40 Td (Business ) Tj ET Q q 0 0 0 rg BT 266.09 488.40 Td (Banking ) Tj ET Q q 0 0 0 rg BT 308.91 488.40 Td (originations ) Tj ET Q q 0 0 0 rg BT 368.40 488.40 Td (?) Tj ET Q q 0 0 0 rg BT 376.56 488.40 Td (up ) Tj ET Q q 0 0 0 rg BT 390.73 488.40 Td (22%. ) Tj ET Q q 0 0 0 rg BT 417.73 488.40 Td (The ) Tj ET Q q 0 0 0 rg BT 438.55 488.40 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 488.69 488.40 Td (& ) Tj ET Q q 0 0 0 rg BT 500.19 488.40 Td (Investment ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 474.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 74.00 474.00 Td (was ) Tj ET Q q 0 0 0 rg BT 96.33 474.00 Td (#1 ) Tj ET Q q 0 0 0 rg BT 112.00 474.00 Td (in ) Tj ET Q q 0 0 0 rg BT 125.00 474.00 Td (Global ) Tj ET Q q 0 0 0 rg BT 161.33 474.00 Td (IB ) Tj ET Q q 0 0 0 rg BT 176.99 474.00 Td (fees, ) Tj ET Q q 0 0 0 rg BT 202.98 474.00 Td (with ) Tj ET Q q 0 0 0 rg BT 227.98 474.00 Td (#1 ) Tj ET Q q 0 0 0 rg BT 243.65 474.00 Td (positions ) Tj ET Q q 0 0 0 rg BT 290.66 474.00 Td (in ) Tj ET Q q 0 0 0 rg BT 303.66 474.00 Td (global ) Tj ET Q q 0 0 0 rg BT 337.32 474.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 361.65 474.00 Td (and ) Tj ET Q q 0 0 0 rg BT 382.65 474.00 Td (equity) Tj ET Q q 0 0 0 rg BT 411.86 474.00 Td (, ) Tj ET Q q 0 0 0 rg BT 418.53 474.00 Td (global ) Tj ET Q q 0 0 0 rg BT 452.19 474.00 Td (syndicated ) Tj ET Q q 0 0 0 rg BT 507.18 474.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 536.17 474.00 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 459.60 Td (global ) Tj ET Q q 0 0 0 rg BT 78.22 459.60 Td (long-term ) Tj ET Q q 0 0 0 rg BT 128.77 459.60 Td (debt. ) Tj ET Q q 0 0 0 rg BT 155.65 459.60 Td (Gross ) Tj ET Q q 0 0 0 rg BT 186.88 459.60 Td (investment ) Tj ET Q q 0 0 0 rg BT 242.76 459.60 Td (banking ) Tj ET Q q 0 0 0 rg BT 284.65 459.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 325.85 459.60 Td (with ) Tj ET Q q 0 0 0 rg BT 350.41 459.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 412.95 459.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 456.84 459.60 Td (clients ) Tj ET Q q 0 0 0 rg BT 491.39 459.60 Td (was ) Tj ET Q q 0 0 0 rg BT 513.28 459.60 Td (up ) Tj ET Q q 0 0 0 rg BT 528.50 459.60 Td (31%. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 445.20 Td (Asset ) Tj ET Q q 0 0 0 rg BT 75.76 445.20 Td (Management ) Tj ET Q q 0 0 0 rg BT 142.50 445.20 Td (had ) Tj ET Q q 0 0 0 rg BT 163.92 445.20 Td (its ) Tj ET Q q 0 0 0 rg BT 179.35 445.20 Td (twentieth ) Tj ET Q q 0 0 0 rg BT 228.10 445.20 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 288.83 445.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 326.91 445.20 Td (of ) Tj ET Q q 0 0 0 rg BT 341.00 445.20 Td (positive ) Tj ET Q q 0 0 0 rg BT 383.09 445.20 Td (net ) Tj ET Q q 0 0 0 rg BT 401.84 445.20 Td (long-term ) Tj ET Q q 0 0 0 rg BT 453.26 445.20 Td (client ) Tj ET Q q 0 0 0 rg BT 484.01 445.20 Td (flows ) Tj ET Q q 0 0 0 rg BT 514.77 445.20 Td (and ) Tj ET Q q 0 0 0 rg BT 536.19 445.20 Td (had ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 430.80 Td (record ) Tj ET Q q 0 0 0 rg BT 78.64 430.80 Td (loan ) Tj ET Q q 0 0 0 rg BT 102.30 430.80 Td (balances, ) Tj ET Q q 0 0 0 rg BT 149.61 430.80 Td (up ) Tj ET Q q 0 0 0 rg BT 164.61 430.80 Td (20%.?) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 410.40 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 82.13 410.40 Td (continued: ) Tj ET Q q 0 0 0 rg BT 136.57 410.40 Td (W) Tj ET Q q 0 0 0 rg BT 152.26 410.40 Td (e ) Tj ET Q q 0 0 0 rg BT 161.38 410.40 Td (have ) Tj ET Q q 0 0 0 rg BT 187.82 410.40 Td (growing ) Tj ET Q q 0 0 0 rg BT 231.61 410.40 Td (confidence ) Tj ET Q q 0 0 0 rg BT 288.04 410.40 Td (in ) Tj ET Q q 0 0 0 rg BT 301.16 410.40 Td (the ) Tj ET Q q 0 0 0 rg BT 319.61 410.40 Td (economy ) Tj ET Q q 0 0 0 rg BT 367.39 410.40 Td (?) Tj ET Q q 0 0 0 rg BT 377.18 410.40 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 435.29 410.40 Td (corporations ) Tj ET Q q 0 0 0 rg BT 499.07 410.40 Td (and ) Tj ET Q q 0 0 0 rg BT 520.18 410.40 Td (middle ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 396.00 Td (market ) Tj ET Q q 0 0 0 rg BT 80.19 396.00 Td (companies ) Tj ET Q q 0 0 0 rg BT 133.38 396.00 Td (are ) Tj ET Q q 0 0 0 rg BT 149.91 396.00 Td (in ) Tj ET Q q 0 0 0 rg BT 161.12 396.00 Td (increasingly ) Tj ET Q q 0 0 0 rg BT 221.64 396.00 Td (good ) Tj ET Q q 0 0 0 rg BT 247.51 396.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 291.36 396.00 Td (shape ) Tj ET Q q 0 0 0 rg BT 320.56 396.00 Td (and ) Tj ET Q q 0 0 0 rg BT 339.76 396.00 Td (housing ) Tj ET Q q 0 0 0 rg BT 379.64 396.00 Td (has ) Tj ET Q q 0 0 0 rg BT 397.51 396.00 Td (turned ) Tj ET Q q 0 0 0 rg BT 430.04 396.00 Td (the ) Tj ET Q q 0 0 0 rg BT 446.58 396.00 Td (corner ) Tj ET Q q 0 0 0 rg BT 479.10 396.00 Td (in ) Tj ET Q q 0 0 0 rg BT 490.31 396.00 Td (most ) Tj ET Q q 0 0 0 rg BT 515.52 396.00 Td (markets ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 381.60 Td (?) Tj ET Q q 0 0 0 rg BT 54.00 381.60 Td (and ) Tj ET Q q 0 0 0 rg BT 74.33 381.60 Td (we ) Tj ET Q q 0 0 0 rg BT 91.32 381.60 Td (are ) Tj ET Q q 0 0 0 rg BT 108.97 381.60 Td (doing ) Tj ET Q q 0 0 0 rg BT 139.30 381.60 Td (our ) Tj ET Q q 0 0 0 rg BT 158.30 381.60 Td (part ) Tj ET Q q 0 0 0 rg BT 179.95 381.60 Td (to ) Tj ET Q q 0 0 0 rg BT 192.29 381.60 Td (support ) Tj ET Q q 0 0 0 rg BT 231.29 381.60 Td (the ) Tj ET Q q 0 0 0 rg BT 248.95 381.60 Td (recovery) Tj ET Q q 0 0 0 rg BT 290.14 381.60 Td (. ) Tj ET Q q 0 0 0 rg BT 296.14 381.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 327.93 381.60 Td (gan ) Tj ET Q q 0 0 0 rg BT 348.26 381.60 Td (Chase ) Tj ET Q q 0 0 0 rg BT 380.58 381.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 426.24 381.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 456.56 381.60 Td (and ) Tj ET Q q 0 0 0 rg BT 476.88 381.60 Td (raised ) Tj ET Q q 0 0 0 rg BT 508.54 381.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 543.52 381.60 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 367.20 Td (over ) Tj ET Q q 0 0 0 rg BT 69.60 367.20 Td ($450 ) Tj ET Q q 0 0 0 rg BT 96.87 367.20 Td (billion ) Tj ET Q q 0 0 0 rg BT 131.48 367.20 Td (for ) Tj ET Q q 0 0 0 rg BT 148.75 367.20 Td (our ) Tj ET Q q 0 0 0 rg BT 168.02 367.20 Td (clients ) Tj ET Q q 0 0 0 rg BT 202.61 367.20 Td (during ) Tj ET Q q 0 0 0 rg BT 237.22 367.20 Td (the ) Tj ET Q q 0 0 0 rg BT 255.15 367.20 Td (first ) Tj ET Q q 0 0 0 rg BT 277.76 367.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 315.01 367.20 Td (of ) Tj ET Q q 0 0 0 rg BT 328.28 367.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 358.55 367.20 Td (which ) Tj ET Q q 0 0 0 rg BT 391.15 367.20 Td (included ) Tj ET Q q 0 0 0 rg BT 435.75 367.20 Td ($5 ) Tj ET Q q 0 0 0 rg BT 451.02 367.20 Td (billion ) Tj ET Q q 0 0 0 rg BT 485.63 367.20 Td (for ) Tj ET Q q 0 0 0 rg BT 502.90 367.20 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 527.51 367.20 Td (small ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 352.80 Td (businesses.? Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 332.40 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 81.58 332.40 Td (concluded: ) Tj ET Q q 0 0 0 rg BT 137.47 332.40 Td (As ) Tj ET Q q 0 0 0 rg BT 159.37 332.40 Td (I ) Tj ET Q q 0 0 0 rg BT 166.61 332.40 Td (said ) Tj ET Q q 0 0 0 rg BT 189.18 332.40 Td (in ) Tj ET Q q 0 0 0 rg BT 201.76 332.40 Td (my ) Tj ET Q q 0 0 0 rg BT 220.34 332.40 Td (letter ) Tj ET Q q 0 0 0 rg BT 248.23 332.40 Td (to ) Tj ET Q q 0 0 0 rg BT 260.81 332.40 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 324.70 332.40 Td (this ) Tj ET Q q 0 0 0 rg BT 345.28 332.40 Td (week, ) Tj ET Q q 0 0 0 rg BT 376.84 332.40 Td (we ) Tj ET Q q 0 0 0 rg BT 394.08 332.40 Td (will ) Tj ET Q q 0 0 0 rg BT 415.99 332.40 Td (dedicate ) Tj ET Q q 0 0 0 rg BT 459.20 332.40 Td (extraordinary ) Tj ET Q q 0 0 0 rg BT 527.08 332.40 Td (ef) Tj ET Q q 0 0 0 rg BT 536.19 332.40 Td (fort ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 318.00 Td (in ) Tj ET Q q 0 0 0 rg BT 56.85 318.00 Td (2014 ) Tj ET Q q 0 0 0 rg BT 83.38 318.00 Td (adapting ) Tj ET Q q 0 0 0 rg BT 127.22 318.00 Td (to ) Tj ET Q q 0 0 0 rg BT 139.07 318.00 Td (the ) Tj ET Q q 0 0 0 rg BT 156.25 318.00 Td (new ) Tj ET Q q 0 0 0 rg BT 178.77 318.00 Td (global ) Tj ET Q q 0 0 0 rg BT 211.28 318.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 255.78 318.00 Td (architecture, ) Tj ET Q q 0 0 0 rg BT 317.93 318.00 Td (and ) Tj ET Q q 0 0 0 rg BT 337.77 318.00 Td (we ) Tj ET Q q 0 0 0 rg BT 354.29 318.00 Td (will ) Tj ET Q q 0 0 0 rg BT 375.47 318.00 Td (continue ) Tj ET Q q 0 0 0 rg BT 419.32 318.00 Td (to ) Tj ET Q q 0 0 0 rg BT 431.17 318.00 Td (make ) Tj ET Q q 0 0 0 rg BT 459.68 318.00 Td (significant ) Tj ET Q q 0 0 0 rg BT 512.85 318.00 Td (progress ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 303.60 Td (on ) Tj ET Q q 0 0 0 rg BT 60.29 303.60 Td (our ) Tj ET Q q 0 0 0 rg BT 79.57 303.60 Td (control ) Tj ET Q q 0 0 0 rg BT 116.85 303.60 Td (agenda. ) Tj ET Q q 0 0 0 rg BT 156.88 303.60 Td (W) Tj ET Q q 0 0 0 rg BT 167.25 303.60 Td (e ) Tj ET Q q 0 0 0 rg BT 175.86 303.60 Td (face ) Tj ET Q q 0 0 0 rg BT 199.12 303.60 Td (the ) Tj ET Q q 0 0 0 rg BT 217.07 303.60 Td (future ) Tj ET Q q 0 0 0 rg BT 249.01 303.60 Td (with ) Tj ET Q q 0 0 0 rg BT 273.64 303.60 Td (a ) Tj ET Q q 0 0 0 rg BT 282.25 303.60 Td (strong ) Tj ET Q q 0 0 0 rg BT 315.54 303.60 Td (foundation, ) Tj ET Q q 0 0 0 rg BT 373.82 303.60 Td (a ) Tj ET Q q 0 0 0 rg BT 382.43 303.60 Td (fortress ) Tj ET Q q 0 0 0 rg BT 421.71 303.60 Td (balance ) Tj ET Q q 0 0 0 rg BT 461.64 303.60 Td (sheet ) Tj ET Q q 0 0 0 rg BT 489.58 303.60 Td (and ) Tj ET Q q 0 0 0 rg BT 510.20 303.60 Td (excellent ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 289.20 Td (franchises ) Tj ET Q q 0 0 0 rg BT 96.64 289.20 Td (built ) Tj ET Q q 0 0 0 rg BT 121.65 289.20 Td (to ) Tj ET Q q 0 0 0 rg BT 133.98 289.20 Td (serve ) Tj ET Q q 0 0 0 rg BT 162.30 289.20 Td (our ) Tj ET Q q 0 0 0 rg BT 181.29 289.20 Td (clients.? Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 250.80 Td (In ) Tj ET Q q 0 0 0 rg BT 56.39 250.80 Td (the ) Tj ET Q q 0 0 0 rg BT 71.67 250.80 Td (discussion ) Tj ET Q q 0 0 0 rg BT 116.40 250.80 Td (below ) Tj ET Q q 0 0 0 rg BT 143.35 250.80 Td (of ) Tj ET Q q 0 0 0 rg BT 154.19 250.80 Td (the ) Tj ET Q q 0 0 0 rg BT 169.47 250.80 Td (business ) Tj ET Q q 0 0 0 rg BT 206.42 250.80 Td (segments ) Tj ET Q q 0 0 0 rg BT 246.14 250.80 Td (and ) Tj ET Q q 0 0 0 rg BT 264.20 250.80 Td (of ) Tj ET Q q 0 0 0 rg BT 275.04 250.80 Td (JPMor) Tj ET Q q 0 0 0 rg BT 302.44 250.80 Td (gan ) Tj ET Q q 0 0 0 rg BT 320.50 250.80 Td (Chase ) Tj ET Q q 0 0 0 rg BT 348.56 250.80 Td (as ) Tj ET Q q 0 0 0 rg BT 360.52 250.80 Td (a ) Tj ET Q q 0 0 0 rg BT 368.58 250.80 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 394.14 250.80 Td (information ) Tj ET Q q 0 0 0 rg BT 444.43 250.80 Td (is ) Tj ET Q q 0 0 0 rg BT 454.16 250.80 Td (pr) Tj ET Q q 0 0 0 rg BT 462.68 250.80 Td (esented ) Tj ET Q q 0 0 0 rg BT 495.73 250.80 Td (on ) Tj ET Q q 0 0 0 rg BT 508.79 250.80 Td (a ) Tj ET Q q 0 0 0 rg BT 516.85 250.80 Td (managed ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 238.80 Td (basis. ) Tj ET Q q 0 0 0 rg BT 69.61 238.80 Td (For ) Tj ET Q q 0 0 0 rg BT 86.15 238.80 Td (mor) Tj ET Q q 0 0 0 rg BT 101.89 238.80 Td (e ) Tj ET Q q 0 0 0 rg BT 107.88 238.80 Td (information ) Tj ET Q q 0 0 0 rg BT 156.65 238.80 Td (about ) Tj ET Q q 0 0 0 rg BT 180.97 238.80 Td (managed ) Tj ET Q q 0 0 0 rg BT 219.18 238.80 Td (basis, ) Tj ET Q q 0 0 0 rg BT 243.79 238.80 Td (as ) Tj ET Q q 0 0 0 rg BT 254.22 238.80 Td (well ) Tj ET Q q 0 0 0 rg BT 272.43 238.80 Td (as ) Tj ET Q q 0 0 0 rg BT 282.87 238.80 Td (other ) Tj ET Q q 0 0 0 rg BT 305.52 238.80 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 349.22 238.80 Td ( ) Tj ET Q q 0 0 0 rg BT 350.77 238.80 Td (financial ) Tj ET Q q 0 0 0 rg BT 387.86 238.80 Td (measur) Tj ET Q q 0 0 0 rg BT 416.94 238.80 Td (es ) Tj ET Q q 0 0 0 rg BT 426.81 238.80 Td (used ) Tj ET Q q 0 0 0 rg BT 446.69 238.80 Td (by ) Tj ET Q q 0 0 0 rg BT 457.67 238.80 Td (management ) Tj ET Q q 0 0 0 rg BT 510.31 238.80 Td (to ) Tj ET Q q 0 0 0 rg BT 519.64 238.80 Td (evaluate ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 226.80 Td (the ) Tj ET Q q 0 0 0 rg BT 60.05 226.80 Td (performance ) Tj ET Q q 0 0 0 rg BT 113.98 226.80 Td (of ) Tj ET Q q 0 0 0 rg BT 124.60 226.80 Td (each ) Tj ET Q q 0 0 0 rg BT 146.31 226.80 Td (line ) Tj ET Q q 0 0 0 rg BT 164.14 226.80 Td (of ) Tj ET Q q 0 0 0 rg BT 174.75 226.80 Td (business, ) Tj ET Q q 0 0 0 rg BT 213.98 226.80 Td (see ) Tj ET Q q 0 0 0 rg BT 229.58 226.80 Td (page ) Tj ET Q q 0 0 0 rg BT 251.85 226.80 Td (12. ) Tj ET Q q 0 0 0 rg BT 267.19 226.80 Td (The ) Tj ET Q q 0 0 0 rg BT 285.02 226.80 Td (following ) Tj ET Q q 0 0 0 rg BT 325.64 226.80 Td (discussion ) Tj ET Q q 0 0 0 rg BT 370.14 226.80 Td (compar) Tj ET Q q 0 0 0 rg BT 400.32 226.80 Td (es ) Tj ET Q q 0 0 0 rg BT 411.49 226.80 Td (the ) Tj ET Q q 0 0 0 rg BT 426.54 226.80 Td (first ) Tj ET Q q 0 0 0 rg BT 445.49 226.80 Td (quarters ) Tj ET Q q 0 0 0 rg BT 482.22 226.80 Td (of ) Tj ET Q q 0 0 0 rg BT 492.83 226.80 Td (2014 ) Tj ET Q q 0 0 0 rg BT 515.67 226.80 Td (and ) Tj ET Q q 0 0 0 rg BT 533.50 226.80 Td (2013 ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 214.80 Td (unless ) Tj ET Q q 0 0 0 rg BT 72.50 214.80 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 113.89 214.80 Td (noted. ) Tj ET Q q 0 0 0 rg BT 141.10 214.80 Td (Footnotes ) Tj ET Q q 0 0 0 rg BT 183.60 214.80 Td (in ) Tj ET Q q 0 0 0 rg BT 193.88 214.80 Td (the ) Tj ET Q q 0 0 0 rg BT 208.59 214.80 Td (sections ) Tj ET Q q 0 0 0 rg BT 243.31 214.80 Td (that ) Tj ET Q q 0 0 0 rg BT 261.37 214.80 Td (follow ) Tj ET Q q 0 0 0 rg BT 288.87 214.80 Td (ar) Tj ET Q q 0 0 0 rg BT 297.39 214.80 Td (e ) Tj ET Q q 0 0 0 rg BT 304.33 214.80 Td (described ) Tj ET Q q 0 0 0 rg BT 345.71 214.80 Td (on ) Tj ET Q q 0 0 0 rg BT 358.21 214.80 Td (page ) Tj ET Q q 0 0 0 rg BT 380.15 214.80 Td (13.) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 731.90 Td (CONSUMER & COMMUNITY) Tj ET Q q 0 0 0 rg BT 206.91 731.90 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 50.5 721.4 m 50.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 721.4 m 231.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 721.4 m 231.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 721.4 m 276.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 721.4 m 280.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 721.4 m 280.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 721.4 m 325.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 721.4 m 329.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 721.4 m 329.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 721.4 m 374.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 721.4 m 378.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 721.4 m 378.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 721.4 m 423.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 706.4 m 423.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 721.4 m 468.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 706.4 m 468.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 721.4 m 472.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 706.4 m 472.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 721.4 m 472.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 721.4 m 517.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 706.4 m 517.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 721.4 m 562.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 721.4 m 562.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 706.4 m 562.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 706.4 m 50.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 691.4 m 231.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 706.4 m 231.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 691.4 m 276.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 691.4 m 280.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 706.4 m 280.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 691.4 m 325.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 691.4 m 329.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 706.4 m 329.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 691.4 m 374.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 691.4 m 378.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 706.4 m 378.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 691.4 m 423.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 706.4 m 423.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 691.4 m 468.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 691.4 m 472.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 706.4 m 472.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 691.4 m 517.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 706.4 m 517.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 706.4 m 562.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 691.4 m 50.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 676.4 m 231.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 691.4 m 231.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 691.4 m 276.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 676.4 m 276.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 676.4 m 280.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 691.4 m 280.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 676.4 m 325.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 676.4 m 329.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 691.4 m 329.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 676.4 m 374.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 676.4 m 378.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 691.4 m 378.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 676.4 m 423.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 691.4 m 423.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 691.4 m 468.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 676.4 m 468.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 676.4 m 472.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 691.4 m 472.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 676.4 m 517.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 691.4 m 517.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 691.4 m 562.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 691.4 m 562.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 676.4 m 562.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 676.4 m 50.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 661.4 m 231.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 676.4 m 231.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 676.4 m 276.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 661.4 m 276.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 661.4 m 280.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 676.4 m 280.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 661.4 m 325.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 661.4 m 329.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 676.4 m 329.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 661.4 m 374.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 661.4 m 378.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 676.4 m 378.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 661.4 m 423.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 676.4 m 423.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 676.4 m 468.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 661.4 m 468.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 661.4 m 472.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 676.4 m 472.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 661.4 m 517.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 676.4 m 517.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 676.4 m 562.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 661.4 m 562.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 661.4 m 50.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 646.4 m 231.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 661.4 m 231.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 661.4 m 276.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 646.4 m 276.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 646.4 m 280.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 661.4 m 280.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 646.4 m 325.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 646.4 m 329.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 661.4 m 329.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 646.4 m 374.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 646.4 m 378.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 661.4 m 378.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 646.4 m 423.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 661.4 m 423.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 661.4 m 468.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 646.4 m 468.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 646.4 m 472.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 661.4 m 472.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 646.4 m 517.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 661.4 m 517.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 661.4 m 562.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 661.4 m 562.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 646.4 m 50.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 631.4 m 231.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 646.4 m 231.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 646.4 m 276.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 631.4 m 276.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 631.4 m 280.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 646.4 m 280.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 631.4 m 325.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 631.4 m 329.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 646.4 m 329.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 631.4 m 374.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 631.4 m 378.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 646.4 m 378.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 631.4 m 423.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 646.4 m 423.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 646.4 m 468.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 631.4 m 468.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 631.4 m 472.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 646.4 m 472.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 631.4 m 517.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 646.4 m 517.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 646.4 m 562.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 646.4 m 562.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 631.4 m 562.5 631.4 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 711.27 Td (Results for CCB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 711.27 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 711.27 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 696.27 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 696.27 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 696.27 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 696.27 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 696.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 696.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 696.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 696.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 681.27 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 681.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 681.27 Td (10,460) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 681.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 681.27 Td (11,314) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 681.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 681.27 Td (11,615) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 681.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 681.27 Td (\(854) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 681.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 681.27 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 681.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 681.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 484.85 681.27 Td (\(1,155) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 681.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 681.27 Td (\(10) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 681.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 666.27 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 666.27 Td (816) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 310.25 666.27 Td (72) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 666.27 Td (549) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 666.27 Td (744) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 666.27 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 666.27 Td (267) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.15 666.27 Td (49) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 651.27 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 651.27 Td (6,437) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 651.27 Td (7,321) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 651.27 Td (6,790) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 651.27 Td (\(884) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 651.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 651.27 Td (\(12) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 651.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 651.27 Td (\(353) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 651.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 651.27 Td (\(5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 651.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 636.27 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 636.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 636.27 Td (1,936) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 636.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 636.27 Td (2,372) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 636.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 636.27 Td (2,586) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 636.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 636.27 Td (\(436) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 636.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 636.27 Td (\(18) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 636.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 636.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 636.27 Td (\(650) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 636.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 636.27 Td (\(25) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 636.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 605.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 605.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 605.50 Td (Results: ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 591.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.87 591.10 Td (income ) Tj ET Q q 0 0 0 rg BT 107.73 591.10 Td (was ) Tj ET Q q 0 0 0 rg BT 128.93 591.10 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 152.47 591.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 189.35 591.10 Td (a ) Tj ET Q q 0 0 0 rg BT 197.22 591.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 241.06 591.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.60 591.10 Td ($650 ) Tj ET Q q 0 0 0 rg BT 280.14 591.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 320.35 591.10 Td (or ) Tj ET Q q 0 0 0 rg BT 332.89 591.10 Td (25%, ) Tj ET Q q 0 0 0 rg BT 360.42 591.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 410.27 591.10 Td (with ) Tj ET Q q 0 0 0 rg BT 434.15 591.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.35 591.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 477.22 591.10 Td (year) Tj ET Q q 0 0 0 rg BT 497.39 591.10 Td (, ) Tj ET Q q 0 0 0 rg BT 502.93 591.10 Td (due ) Tj ET Q q 0 0 0 rg BT 522.80 591.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.67 591.10 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 576.70 Td (net ) Tj ET Q q 0 0 0 rg BT 67.66 576.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 108.63 576.70 Td (and ) Tj ET Q q 0 0 0 rg BT 128.96 576.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 162.62 576.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 210.95 576.70 Td (for ) Tj ET Q q 0 0 0 rg BT 227.94 576.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 258.26 576.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 292.93 576.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 335.91 576.70 Td (of) Tj ET Q q 0 0 0 rg BT 345.69 576.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 366.02 576.70 Td (by ) Tj ET Q q 0 0 0 rg BT 381.02 576.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 411.34 576.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 467.66 576.70 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 556.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.96 556.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.58 556.30 Td (was ) Tj ET Q q 0 0 0 rg BT 131.88 556.30 Td ($10.5 ) Tj ET Q q 0 0 0 rg BT 161.52 556.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 198.49 556.30 Td (a ) Tj ET Q q 0 0 0 rg BT 206.45 556.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 250.39 556.30 Td (of ) Tj ET Q q 0 0 0 rg BT 263.02 556.30 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 286.66 556.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 323.64 556.30 Td (or ) Tj ET Q q 0 0 0 rg BT 336.27 556.30 Td (10%, ) Tj ET Q q 0 0 0 rg BT 363.90 556.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 413.85 556.30 Td (with ) Tj ET Q q 0 0 0 rg BT 437.82 556.30 Td (the ) Tj ET Q q 0 0 0 rg BT 455.12 556.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.09 556.30 Td (year) Tj ET Q q 0 0 0 rg BT 501.07 556.30 Td (. ) Tj ET Q q 0 0 0 rg BT 506.71 556.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.67 556.30 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 541.90 Td (income ) Tj ET Q q 0 0 0 rg BT 87.93 541.90 Td (was ) Tj ET Q q 0 0 0 rg BT 109.20 541.90 Td ($7.0 ) Tj ET Q q 0 0 0 rg BT 132.80 541.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 169.75 541.90 Td (down ) Tj ET Q q 0 0 0 rg BT 199.02 541.90 Td ($183 ) Tj ET Q q 0 0 0 rg BT 225.63 541.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 265.91 541.90 Td (or ) Tj ET Q q 0 0 0 rg BT 278.51 541.90 Td (3%, ) Tj ET Q q 0 0 0 rg BT 300.11 541.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 333.38 541.90 Td (by ) Tj ET Q q 0 0 0 rg BT 347.98 541.90 Td (spread ) Tj ET Q q 0 0 0 rg BT 381.91 541.90 Td (compression ) Tj ET Q q 0 0 0 rg BT 445.17 541.90 Td (in ) Tj ET Q q 0 0 0 rg BT 457.12 541.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 489.72 541.90 Td (Card, ) Tj ET Q q 0 0 0 rg BT 518.07 541.90 Td (Auto ) Tj ET Q q 0 0 0 rg BT 544.68 541.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 527.50 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 101.61 527.50 Td (& ) Tj ET Q q 0 0 0 rg BT 113.22 527.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 158.17 527.50 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 204.11 527.50 Td (and ) Tj ET Q q 0 0 0 rg BT 223.72 527.50 Td (by ) Tj ET Q q 0 0 0 rg BT 238.00 527.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 267.60 527.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 315.19 527.50 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 368.78 527.50 Td (balances, ) Tj ET Q q 0 0 0 rg BT 415.36 527.50 Td (lar) Tj ET Q q 0 0 0 rg BT 427.80 527.50 Td (gely ) Tj ET Q q 0 0 0 rg BT 450.74 527.50 Td (of) Tj ET Q q 0 0 0 rg BT 460.52 527.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 480.13 527.50 Td (by ) Tj ET Q q 0 0 0 rg BT 494.40 527.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 527.34 527.50 Td (deposit ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 513.10 Td (balances. ) Tj ET Q q 0 0 0 rg BT 96.19 513.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 154.05 513.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 193.90 513.10 Td (was ) Tj ET Q q 0 0 0 rg BT 214.44 513.10 Td ($3.4billion, ) Tj ET Q q 0 0 0 rg BT 274.66 513.10 Td (a ) Tj ET Q q 0 0 0 rg BT 281.86 513.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 325.04 513.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.91 513.10 Td ($972 ) Tj ET Q q 0 0 0 rg BT 362.79 513.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 402.34 513.10 Td (or ) Tj ET Q q 0 0 0 rg BT 414.21 513.10 Td (22%, ) Tj ET Q q 0 0 0 rg BT 441.08 513.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 473.62 513.10 Td (by ) Tj ET Q q 0 0 0 rg BT 487.50 513.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 516.70 513.10 Td (mortgage ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 498.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 72.32 498.70 Td (and ) Tj ET Q q 0 0 0 rg BT 92.64 498.70 Td (related ) Tj ET Q q 0 0 0 rg BT 128.29 498.70 Td (income.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 478.30 Td (The ) Tj ET Q q 0 0 0 rg BT 70.22 478.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 117.11 478.30 Td (for ) Tj ET Q q 0 0 0 rg BT 132.67 478.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 161.54 478.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 191.78 478.30 Td (was ) Tj ET Q q 0 0 0 rg BT 212.00 478.30 Td ($816million, ) Tj ET Q q 0 0 0 rg BT 278.23 478.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 327.10 478.30 Td (with ) Tj ET Q q 0 0 0 rg BT 350.00 478.30 Td ($549million ) Tj ET Q q 0 0 0 rg BT 413.23 478.30 Td (in ) Tj ET Q q 0 0 0 rg BT 424.12 478.30 Td (the ) Tj ET Q q 0 0 0 rg BT 440.35 478.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 465.23 478.30 Td (year ) Tj ET Q q 0 0 0 rg BT 487.44 478.30 Td (and ) Tj ET Q q 0 0 0 rg BT 506.33 478.30 Td ($72million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 463.90 Td (in ) Tj ET Q q 0 0 0 rg BT 63.03 463.90 Td (the ) Tj ET Q q 0 0 0 rg BT 81.39 463.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 108.41 463.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 141.72 463.90 Td (.? Tj ET Q q 0 0 0 rg BT 147.51 463.90 Td (The ) Tj ET Q q 0 0 0 rg BT 169.86 463.90 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 245.51 463.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 294.54 463.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 340.20 463.90 Td (a ) Tj ET Q q 0 0 0 rg BT 349.22 463.90 Td ($450 ) Tj ET Q q 0 0 0 rg BT 376.92 463.90 Td (million ) Tj ET Q q 0 0 0 rg BT 415.28 463.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 464.29 463.90 Td (in ) Tj ET Q q 0 0 0 rg BT 477.32 463.90 Td (the ) Tj ET Q q 0 0 0 rg BT 495.68 463.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 548.01 463.90 Td (for ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 449.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 75.12 449.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 108.25 449.50 Td (and ) Tj ET Q q 0 0 0 rg BT 130.04 449.50 Td (total ) Tj ET Q q 0 0 0 rg BT 155.83 449.50 Td (net ) Tj ET Q q 0 0 0 rg BT 174.95 449.50 Td (char) Tj ET Q q 0 0 0 rg BT 195.39 449.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 220.49 449.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 233.62 449.50 Td (of ) Tj ET Q q 0 0 0 rg BT 248.07 449.50 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 273.54 449.50 Td (billion. ) Tj ET Q q 0 0 0 rg BT 312.01 449.50 Td (The ) Tj ET Q q 0 0 0 rg BT 335.13 449.50 Td (prior) Tj ET Q q 0 0 0 rg BT 358.21 449.50 Td (-quarter ) Tj ET Q q 0 0 0 rg BT 400.65 449.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 450.45 449.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 496.87 449.50 Td (a ) Tj ET Q q 0 0 0 rg BT 506.66 449.50 Td ($1.2billion ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 435.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 98.22 435.10 Td (in ) Tj ET Q q 0 0 0 rg BT 110.45 435.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.01 435.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 179.54 435.10 Td (for ) Tj ET Q q 0 0 0 rg BT 196.44 435.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 220.00 435.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 251.56 435.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.79 435.10 Td (total ) Tj ET Q q 0 0 0 rg BT 296.02 435.10 Td (net ) Tj ET Q q 0 0 0 rg BT 313.58 435.10 Td (char) Tj ET Q q 0 0 0 rg BT 334.01 435.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 359.11 435.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 370.67 435.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.57 435.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 407.47 435.10 Td (billion. ) Tj ET Q q 0 0 0 rg BT 444.49 435.10 Td (The ) Tj ET Q q 0 0 0 rg BT 466.05 435.10 Td (prior) Tj ET Q q 0 0 0 rg BT 489.13 435.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 516.68 435.10 Td (provision ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 420.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 94.96 420.70 Td (a ) Tj ET Q q 0 0 0 rg BT 103.29 420.70 Td ($1.2billion ) Tj ET Q q 0 0 0 rg BT 161.63 420.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 209.94 420.70 Td (in ) Tj ET Q q 0 0 0 rg BT 222.28 420.70 Td (the ) Tj ET Q q 0 0 0 rg BT 239.94 420.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 291.58 420.70 Td (for ) Tj ET Q q 0 0 0 rg BT 308.57 420.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 332.23 420.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 363.90 420.70 Td (and ) Tj ET Q q 0 0 0 rg BT 384.22 420.70 Td (total ) Tj ET Q q 0 0 0 rg BT 408.55 420.70 Td (net ) Tj ET Q q 0 0 0 rg BT 426.21 420.70 Td (char) Tj ET Q q 0 0 0 rg BT 446.64 420.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 471.75 420.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 483.41 420.70 Td (of ) Tj ET Q q 0 0 0 rg BT 496.41 420.70 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 520.41 420.70 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 400.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.21 400.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.09 400.30 Td (was ) Tj ET Q q 0 0 0 rg BT 169.98 400.30 Td ($6.4billion, ) Tj ET Q q 0 0 0 rg BT 230.54 400.30 Td (a ) Tj ET Q q 0 0 0 rg BT 238.09 400.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 281.62 400.30 Td (of ) Tj ET Q q 0 0 0 rg BT 293.84 400.30 Td ($353million, ) Tj ET Q q 0 0 0 rg BT 360.73 400.30 Td (or ) Tj ET Q q 0 0 0 rg BT 372.96 400.30 Td (5%, ) Tj ET Q q 0 0 0 rg BT 394.18 400.30 Td (from ) Tj ET Q q 0 0 0 rg BT 419.73 400.30 Td (the ) Tj ET Q q 0 0 0 rg BT 436.62 400.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 462.17 400.30 Td (year) Tj ET Q q 0 0 0 rg BT 482.34 400.30 Td (, ) Tj ET Q q 0 0 0 rg BT 487.57 400.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 520.45 400.30 Td (by ) Tj ET Q q 0 0 0 rg BT 534.68 400.30 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 385.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 99.65 385.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 143.32 385.90 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 351.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 351.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 351.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 351.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 351.10 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 342.14 Td (\(All comparisons refer to the prior-year quarter except as noted; banking portal ranking is per compete.com, as of February 2014\)) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 467.89 336.70 Td ( ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 319.71 cm /I16 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 322.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 322.30 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 322.30 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 322.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 322.30 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 322.30 Td (15% ) Tj ET Q q 0 0 0 rg BT 234.31 322.30 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 322.30 Td ($51.0billion ) Tj ET Q q 0 0 0 rg BT 313.65 322.30 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 322.30 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 322.30 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 322.30 Td (capital) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 445.23 327.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 449.13 322.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 305.31 cm /I17 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 307.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 307.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.16 307.90 Td (total ) Tj ET Q q 0 0 0 rg BT 171.89 307.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 214.63 307.90 Td (were ) Tj ET Q q 0 0 0 rg BT 241.35 307.90 Td ($471.6billion, ) Tj ET Q q 0 0 0 rg BT 315.09 307.90 Td (up ) Tj ET Q q 0 0 0 rg BT 330.50 307.90 Td (7% ) Tj ET Q q 0 0 0 rg BT 349.90 307.90 Td (from ) Tj ET Q q 0 0 0 rg BT 376.63 307.90 Td (the ) Tj ET Q q 0 0 0 rg BT 394.70 307.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.43 307.90 Td (year ) Tj ET Q q 0 0 0 rg BT 445.48 307.90 Td (and ) Tj ET Q q 0 0 0 rg BT 466.21 307.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 485.62 307.90 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 307.90 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 293.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 293.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 293.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 276.51 cm /I18 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 279.10 Td (Record ) Tj ET Q q 0 0 0 rg BT 141.59 279.10 Td (client ) Tj ET Q q 0 0 0 rg BT 171.18 279.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 226.78 279.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 257.71 279.10 Td (were ) Tj ET Q q 0 0 0 rg BT 283.96 279.10 Td ($195.7 ) Tj ET Q q 0 0 0 rg BT 319.90 279.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 357.17 279.10 Td (up ) Tj ET Q q 0 0 0 rg BT 372.11 279.10 Td (16% ) Tj ET Q q 0 0 0 rg BT 397.04 279.10 Td (from ) Tj ET Q q 0 0 0 rg BT 423.30 279.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.90 279.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.16 279.10 Td (year ) Tj ET Q q 0 0 0 rg BT 490.75 279.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.01 279.10 Td (4% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 264.70 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 264.70 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 264.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 264.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 264.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 247.71 cm /I19 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 250.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 250.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.11 250.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 193.14 250.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 237.16 250.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 265.85 250.30 Td (were ) Tj ET Q q 0 0 0 rg BT 292.53 250.30 Td ($18.9billion, ) Tj ET Q q 0 0 0 rg BT 360.22 250.30 Td (up ) Tj ET Q q 0 0 0 rg BT 375.58 250.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 394.94 250.30 Td (from ) Tj ET Q q 0 0 0 rg BT 421.62 250.30 Td (the ) Tj ET Q q 0 0 0 rg BT 439.64 250.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.32 250.30 Td (year ) Tj ET Q q 0 0 0 rg BT 490.33 250.30 Td (and ) Tj ET Q q 0 0 0 rg BT 511.02 250.30 Td (2% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 235.90 Td (from ) Tj ET Q q 0 0 0 rg BT 131.14 235.90 Td (the ) Tj ET Q q 0 0 0 rg BT 149.62 235.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 176.76 235.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 210.08 235.90 Td (. ) Tj ET Q q 0 0 0 rg BT 216.90 235.90 Td (Originations ) Tj ET Q q 0 0 0 rg BT 280.71 235.90 Td (were ) Tj ET Q q 0 0 0 rg BT 307.84 235.90 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 332.66 235.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 370.81 235.90 Td (up ) Tj ET Q q 0 0 0 rg BT 386.63 235.90 Td (22% ) Tj ET Q q 0 0 0 rg BT 412.44 235.90 Td (from ) Tj ET Q q 0 0 0 rg BT 439.59 235.90 Td (the ) Tj ET Q q 0 0 0 rg BT 458.06 235.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 485.21 235.90 Td (year ) Tj ET Q q 0 0 0 rg BT 509.67 235.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 221.50 Td (16% ) Tj ET Q q 0 0 0 rg BT 129.00 221.50 Td (from ) Tj ET Q q 0 0 0 rg BT 155.32 221.50 Td (the ) Tj ET Q q 0 0 0 rg BT 172.98 221.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 199.31 221.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 232.63 221.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 204.51 cm /I20 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 207.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 136.06 207.10 Td (card ) Tj ET Q q 0 0 0 rg BT 158.77 207.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 184.16 207.10 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 220.15 212.54 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 224.05 207.10 Td ( ) Tj ET Q q 0 0 0 rg BT 226.11 207.10 Td (was ) Tj ET Q q 0 0 0 rg BT 246.84 207.10 Td ($104.5 ) Tj ET Q q 0 0 0 rg BT 281.90 207.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 318.30 207.10 Td (up ) Tj ET Q q 0 0 0 rg BT 332.36 207.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 356.42 207.10 Td (from ) Tj ET Q q 0 0 0 rg BT 381.81 207.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.53 207.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.92 207.10 Td (year) Tj ET Q q 0 0 0 rg BT 443.91 207.10 Td (. ) Tj ET Q q 0 0 0 rg BT 448.97 207.10 Td (General ) Tj ET Q q 0 0 0 rg BT 489.00 207.10 Td (purpose ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 192.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 132.84 192.70 Td (card ) Tj ET Q q 0 0 0 rg BT 155.01 192.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 179.85 192.70 Td (volume ) Tj ET Q q 0 0 0 rg BT 217.37 192.70 Td (growth ) Tj ET Q q 0 0 0 rg BT 252.88 192.70 Td (has ) Tj ET Q q 0 0 0 rg BT 270.40 192.70 Td (outperformed ) Tj ET Q q 0 0 0 rg BT 337.23 192.70 Td (the ) Tj ET Q q 0 0 0 rg BT 353.41 192.70 Td (industry ) Tj ET Q q 0 0 0 rg BT 394.26 192.70 Td (for ) Tj ET Q q 0 0 0 rg BT 409.78 192.70 Td (24 ) Tj ET Q q 0 0 0 rg BT 423.30 192.70 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 481.46 192.70 Td (quarters) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 520.11 198.14 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 524.01 192.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 175.71 cm /I21 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 178.30 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 155.12 178.30 Td (processing ) Tj ET Q q 0 0 0 rg BT 211.59 178.30 Td (volume ) Tj ET Q q 0 0 0 rg BT 252.73 178.30 Td (was ) Tj ET Q q 0 0 0 rg BT 276.54 178.30 Td ($195.4 ) Tj ET Q q 0 0 0 rg BT 314.68 178.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 354.16 178.30 Td (up ) Tj ET Q q 0 0 0 rg BT 371.31 178.30 Td (1) Tj ET Q q 0 0 0 rg BT 376.86 178.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 398.00 178.30 Td (from ) Tj ET Q q 0 0 0 rg BT 426.48 178.30 Td (the ) Tj ET Q q 0 0 0 rg BT 446.28 178.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 474.75 178.30 Td (year) Tj ET Q q 0 0 0 rg BT 494.74 178.30 Td (. ) Tj ET Q q 0 0 0 rg BT 502.51 178.30 Td (T) Tj ET Q q 0 0 0 rg BT 509.00 178.30 Td (otal ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 163.90 Td (transactions ) Tj ET Q q 0 0 0 rg BT 164.32 163.90 Td (processed ) Tj ET Q q 0 0 0 rg BT 214.63 163.90 Td (were ) Tj ET Q q 0 0 0 rg BT 240.95 163.90 Td (9.1billion, ) Tj ET Q q 0 0 0 rg BT 296.28 163.90 Td (up ) Tj ET Q q 0 0 0 rg BT 311.28 163.90 Td (10% ) Tj ET Q q 0 0 0 rg BT 336.28 163.90 Td (from ) Tj ET Q q 0 0 0 rg BT 362.60 163.90 Td (the ) Tj ET Q q 0 0 0 rg BT 380.26 163.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 406.59 163.90 Td (year) Tj ET Q q 0 0 0 rg BT 426.58 163.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 146.91 cm /I22 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 149.50 Td (Auto ) Tj ET Q q 0 0 0 rg BT 131.90 149.50 Td (originations ) Tj ET Q q 0 0 0 rg BT 193.12 149.50 Td (were ) Tj ET Q q 0 0 0 rg BT 220.33 149.50 Td ($6.7 ) Tj ET Q q 0 0 0 rg BT 245.22 149.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 283.45 149.50 Td (up ) Tj ET Q q 0 0 0 rg BT 299.35 149.50 Td (3% ) Tj ET Q q 0 0 0 rg BT 319.24 149.50 Td (from ) Tj ET Q q 0 0 0 rg BT 346.46 149.50 Td (the ) Tj ET Q q 0 0 0 rg BT 365.02 149.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 392.24 149.50 Td (year ) Tj ET Q q 0 0 0 rg BT 416.78 149.50 Td (and ) Tj ET Q q 0 0 0 rg BT 438.00 149.50 Td (5% ) Tj ET Q q 0 0 0 rg BT 457.89 149.50 Td (from ) Tj ET Q q 0 0 0 rg BT 485.11 149.50 Td (the ) Tj ET Q q 0 0 0 rg BT 503.67 149.50 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 135.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 135.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 118.11 cm /I23 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 120.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 153.81 120.70 Td (originations ) Tj ET Q q 0 0 0 rg BT 214.30 120.70 Td (were ) Tj ET Q q 0 0 0 rg BT 240.78 120.70 Td ($17.0 ) Tj ET Q q 0 0 0 rg BT 270.94 120.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 308.44 120.70 Td (down ) Tj ET Q q 0 0 0 rg BT 338.26 120.70 Td (68% ) Tj ET Q q 0 0 0 rg BT 363.42 120.70 Td (from ) Tj ET Q q 0 0 0 rg BT 389.91 120.70 Td (the ) Tj ET Q q 0 0 0 rg BT 407.73 120.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 434.22 120.70 Td (year ) Tj ET Q q 0 0 0 rg BT 458.03 120.70 Td (and ) Tj ET Q q 0 0 0 rg BT 478.51 120.70 Td (27% ) Tj ET Q q 0 0 0 rg BT 503.67 120.70 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 106.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 106.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 106.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 106.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 89.31 cm /I24 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 91.90 Td (Active ) Tj ET Q q 0 0 0 rg BT 138.38 91.90 Td (mobile ) Tj ET Q q 0 0 0 rg BT 174.09 91.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 225.14 91.90 Td (were ) Tj ET Q q 0 0 0 rg BT 250.84 91.90 Td (up ) Tj ET Q q 0 0 0 rg BT 265.23 91.90 Td (24% ) Tj ET Q q 0 0 0 rg BT 289.62 91.90 Td (over ) Tj ET Q q 0 0 0 rg BT 313.33 91.90 Td (the ) Tj ET Q q 0 0 0 rg BT 330.38 91.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.09 91.90 Td (year ) Tj ET Q q 0 0 0 rg BT 379.13 91.90 Td (to ) Tj ET Q q 0 0 0 rg BT 390.85 91.90 Td (16.4 ) Tj ET Q q 0 0 0 rg BT 414.24 91.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 454.30 91.90 Td (and ) Tj ET Q q 0 0 0 rg BT 474.02 91.90 Td (Chase.com ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 77.50 Td (remains ) Tj ET Q q 0 0 0 rg BT 144.99 77.50 Td (the ) Tj ET Q q 0 0 0 rg BT 162.65 77.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 177.65 77.50 Td (most ) Tj ET Q q 0 0 0 rg BT 203.98 77.50 Td (visited ) Tj ET Q q 0 0 0 rg BT 238.98 77.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 280.64 77.50 Td (portal ) Tj ET Q q 0 0 0 rg BT 311.63 77.50 Td (in ) Tj ET Q q 0 0 0 rg BT 323.97 77.50 Td (the ) Tj ET Q q 0 0 0 rg BT 341.63 77.50 Td (U.S.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Consumer) Tj ET Q q 0 0 0 rg BT 103.12 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 105.15 740.90 Td (& ) Tj ET Q q 0 0 0 rg BT 117.19 740.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 163.25 740.90 Td (Banking) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 206.60 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 208.64 740.90 Td (net ) Tj ET Q q 0 0 0 rg BT 225.34 740.90 Td (income ) Tj ET Q q 0 0 0 rg BT 262.70 740.90 Td (was ) Tj ET Q q 0 0 0 rg BT 283.40 740.90 Td ($740 ) Tj ET Q q 0 0 0 rg BT 309.44 740.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 349.14 740.90 Td (an ) Tj ET Q q 0 0 0 rg BT 362.51 740.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 403.85 740.90 Td (of ) Tj ET Q q 0 0 0 rg BT 415.88 740.90 Td ($99 ) Tj ET Q q 0 0 0 rg BT 435.92 740.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 475.63 740.90 Td (or ) Tj ET Q q 0 0 0 rg BT 487.66 740.90 Td (15%, ) Tj ET Q q 0 0 0 rg BT 514.70 740.90 Td (compared ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.50 Td (with ) Tj ET Q q 0 0 0 rg BT 75.51 726.50 Td (the ) Tj ET Q q 0 0 0 rg BT 94.35 726.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 121.86 726.50 Td (year) Tj ET Q q 0 0 0 rg BT 142.03 726.50 Td (, ) Tj ET Q q 0 0 0 rg BT 149.21 726.50 Td (due ) Tj ET Q q 0 0 0 rg BT 170.71 726.50 Td (to ) Tj ET Q q 0 0 0 rg BT 184.22 726.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 219.06 726.50 Td (net ) Tj ET Q q 0 0 0 rg BT 237.90 726.50 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 283.05 726.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 327.22 726.50 Td (of) Tj ET Q q 0 0 0 rg BT 337.00 726.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 358.50 726.50 Td (by ) Tj ET Q q 0 0 0 rg BT 374.68 726.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 409.52 726.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 467.01 726.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 509.84 726.50 Td (and ) Tj ET Q q 0 0 0 rg BT 531.35 726.50 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 98.33 712.10 Td (for ) Tj ET Q q 0 0 0 rg BT 115.33 712.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.64 712.10 Td (losses.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 691.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.16 691.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.96 691.70 Td (was ) Tj ET Q q 0 0 0 rg BT 132.46 691.70 Td ($4.4 ) Tj ET Q q 0 0 0 rg BT 156.29 691.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.46 691.70 Td (up ) Tj ET Q q 0 0 0 rg BT 208.29 691.70 Td (5% ) Tj ET Q q 0 0 0 rg BT 227.12 691.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.26 691.70 Td (with ) Tj ET Q q 0 0 0 rg BT 301.42 691.70 Td (the ) Tj ET Q q 0 0 0 rg BT 318.91 691.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 345.07 691.70 Td (year) Tj ET Q q 0 0 0 rg BT 365.06 691.70 Td (. ) Tj ET Q q 0 0 0 rg BT 370.89 691.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 391.05 691.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 429.20 691.70 Td (income ) Tj ET Q q 0 0 0 rg BT 467.35 691.70 Td (was ) Tj ET Q q 0 0 0 rg BT 488.84 691.70 Td ($2.7billion, ) Tj ET Q q 0 0 0 rg BT 550.01 691.70 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 677.30 Td (5% ) Tj ET Q q 0 0 0 rg BT 70.59 677.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 122.48 677.30 Td (with ) Tj ET Q q 0 0 0 rg BT 148.41 677.30 Td (the ) Tj ET Q q 0 0 0 rg BT 167.66 677.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 195.57 677.30 Td (year) Tj ET Q q 0 0 0 rg BT 215.74 677.30 Td (, ) Tj ET Q q 0 0 0 rg BT 223.33 677.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 258.58 677.30 Td (by ) Tj ET Q q 0 0 0 rg BT 275.17 677.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 310.41 677.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 349.67 677.30 Td (balances, ) Tj ET Q q 0 0 0 rg BT 398.57 677.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 443.14 677.30 Td (of) Tj ET Q q 0 0 0 rg BT 452.92 677.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 474.84 677.30 Td (by ) Tj ET Q q 0 0 0 rg BT 491.43 677.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 530.68 677.30 Td (spread ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 662.90 Td (compression. ) Tj ET Q q 0 0 0 rg BT 116.07 662.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 174.47 662.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 214.86 662.90 Td (was ) Tj ET Q q 0 0 0 rg BT 235.94 662.90 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 259.36 662.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 296.11 662.90 Td (an ) Tj ET Q q 0 0 0 rg BT 309.85 662.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 351.57 662.90 Td (of ) Tj ET Q q 0 0 0 rg BT 363.98 662.90 Td (4%, ) Tj ET Q q 0 0 0 rg BT 385.39 662.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 418.47 662.90 Td (by ) Tj ET Q q 0 0 0 rg BT 432.88 662.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 465.95 662.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 521.03 662.90 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 642.50 Td (The ) Tj ET Q q 0 0 0 rg BT 70.79 642.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 118.26 642.50 Td (for ) Tj ET Q q 0 0 0 rg BT 134.39 642.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 163.84 642.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 194.64 642.50 Td (was ) Tj ET Q q 0 0 0 rg BT 215.44 642.50 Td ($76 ) Tj ET Q q 0 0 0 rg BT 235.57 642.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 275.38 642.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 324.82 642.50 Td (with ) Tj ET Q q 0 0 0 rg BT 348.29 642.50 Td ($61 ) Tj ET Q q 0 0 0 rg BT 368.42 642.50 Td (million ) Tj ET Q q 0 0 0 rg BT 405.22 642.50 Td (in ) Tj ET Q q 0 0 0 rg BT 416.69 642.50 Td (the ) Tj ET Q q 0 0 0 rg BT 433.49 642.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 458.95 642.50 Td (year ) Tj ET Q q 0 0 0 rg BT 481.73 642.50 Td (and ) Tj ET Q q 0 0 0 rg BT 501.19 642.50 Td ($108 ) Tj ET Q q 0 0 0 rg BT 527.33 642.50 Td (million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 62.33 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.99 628.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 106.32 628.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 139.64 628.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 607.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.99 607.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.63 607.70 Td (was ) Tj ET Q q 0 0 0 rg BT 172.30 607.70 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 196.30 607.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 233.63 607.70 Td (up ) Tj ET Q q 0 0 0 rg BT 248.63 607.70 Td (1% ) Tj ET Q q 0 0 0 rg BT 267.63 607.70 Td (from ) Tj ET Q q 0 0 0 rg BT 293.96 607.70 Td (the ) Tj ET Q q 0 0 0 rg BT 311.62 607.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 337.94 607.70 Td (year) Tj ET Q q 0 0 0 rg BT 357.93 607.70 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 575.30 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 575.30 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 575.30 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 575.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 575.30 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 566.34 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 543.91 cm /I25 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 546.50 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 546.50 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 546.50 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 546.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 546.50 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 546.50 Td (27% ) Tj ET Q q 0 0 0 rg BT 234.31 546.50 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 546.50 Td ($1) Tj ET Q q 0 0 0 rg BT 260.87 546.50 Td (1.0billion ) Tj ET Q q 0 0 0 rg BT 313.20 546.50 Td (of ) Tj ET Q q 0 0 0 rg BT 326.20 546.50 Td (average ) Tj ET Q q 0 0 0 rg BT 366.50 546.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 412.81 546.50 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 529.51 cm /I26 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 532.10 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.55 532.10 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.44 532.10 Td (in ) Tj ET Q q 0 0 0 rg BT 170.66 532.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 217.54 532.10 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 275.08 532.10 Td (among ) Tj ET Q q 0 0 0 rg BT 310.63 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.18 532.10 Td (lar) Tj ET Q q 0 0 0 rg BT 340.62 532.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 362.84 532.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 393.72 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 410.61 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.16 532.10 Td (second ) Tj ET Q q 0 0 0 rg BT 464.37 532.10 Td (year ) Tj ET Q q 0 0 0 rg BT 487.91 532.10 Td (in ) Tj ET Q q 0 0 0 rg BT 500.13 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 508.35 532.10 Td (row ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 517.70 Td (by ) Tj ET Q q 0 0 0 rg BT 118.34 517.70 Td (American ) Tj ET Q q 0 0 0 rg BT 168.65 517.70 Td (Customer ) Tj ET Q q 0 0 0 rg BT 218.31 517.70 Td (Satisfaction ) Tj ET Q q 0 0 0 rg BT 277.96 517.70 Td (Index ) Tj ET Q q 0 0 0 rg BT 308.29 517.70 Td (\(ACSI\).) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 500.71 cm /I27 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 503.30 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 144.33 503.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 160.00 503.30 Td (in ) Tj ET Q q 0 0 0 rg BT 173.01 503.30 Td (small ) Tj ET Q q 0 0 0 rg BT 202.68 503.30 Td (business ) Tj ET Q q 0 0 0 rg BT 247.03 503.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 289.36 503.30 Td (customer ) Tj ET Q q 0 0 0 rg BT 337.02 503.30 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 395.35 503.30 Td (in ) Tj ET Q q 0 0 0 rg BT 408.35 503.30 Td (three ) Tj ET Q q 0 0 0 rg BT 436.01 503.30 Td (of ) Tj ET Q q 0 0 0 rg BT 449.68 503.30 Td (the ) Tj ET Q q 0 0 0 rg BT 468.01 503.30 Td (four ) Tj ET Q q 0 0 0 rg BT 491.68 503.30 Td (regions ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 488.90 Td (\(W) Tj ET Q q 0 0 0 rg BT 118.36 488.90 Td (est, ) Tj ET Q q 0 0 0 rg BT 137.69 488.90 Td (Midwest ) Tj ET Q q 0 0 0 rg BT 182.69 488.90 Td (and ) Tj ET Q q 0 0 0 rg BT 203.02 488.90 Td (South\) ) Tj ET Q q 0 0 0 rg BT 238.02 488.90 Td (by ) Tj ET Q q 0 0 0 rg BT 253.02 488.90 Td (J.D. ) Tj ET Q q 0 0 0 rg BT 275.36 488.90 Td (Power) Tj ET Q q 0 0 0 rg BT 305.36 488.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 471.91 cm /I28 Do Q BT /F1 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 147.16 474.50 Td (total ) Tj ET Q q 0 0 0 rg BT 171.89 474.50 Td (deposits ) Tj ET Q q 0 0 0 rg BT 214.63 474.50 Td (were ) Tj ET Q q 0 0 0 rg BT 241.35 474.50 Td ($458.5billion, ) Tj ET Q q 0 0 0 rg BT 315.09 474.50 Td (up ) Tj ET Q q 0 0 0 rg BT 330.50 474.50 Td (9% ) Tj ET Q q 0 0 0 rg BT 349.90 474.50 Td (from ) Tj ET Q q 0 0 0 rg BT 376.63 474.50 Td (the ) Tj ET Q q 0 0 0 rg BT 394.70 474.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.43 474.50 Td (year ) Tj ET Q q 0 0 0 rg BT 445.48 474.50 Td (and ) Tj ET Q q 0 0 0 rg BT 466.21 474.50 Td (3% ) Tj ET Q q 0 0 0 rg BT 485.62 474.50 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 474.50 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 460.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 460.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 460.10 Td (. ) Tj ET Q q 0 0 0 rg BT 169.64 460.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 209.97 460.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 246.97 460.10 Td (is ) Tj ET Q q 0 0 0 rg BT 257.97 460.10 Td (among ) Tj ET Q q 0 0 0 rg BT 293.63 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.29 460.10 Td (highest ) Tj ET Q q 0 0 0 rg BT 348.96 460.10 Td (in ) Tj ET Q q 0 0 0 rg BT 361.29 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.95 460.10 Td (industry) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 418.29 465.54 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 422.18 460.10 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 443.11 cm /I29 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 445.70 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 143.73 445.70 Td (mar) Tj ET Q q 0 0 0 rg BT 162.17 445.70 Td (gin ) Tj ET Q q 0 0 0 rg BT 179.90 445.70 Td (was ) Tj ET Q q 0 0 0 rg BT 200.96 445.70 Td (2.27%, ) Tj ET Q q 0 0 0 rg BT 237.36 445.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 287.07 445.70 Td (with ) Tj ET Q q 0 0 0 rg BT 310.80 445.70 Td (2.36% ) Tj ET Q q 0 0 0 rg BT 344.20 445.70 Td (in ) Tj ET Q q 0 0 0 rg BT 355.93 445.70 Td (the ) Tj ET Q q 0 0 0 rg BT 372.99 445.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 398.71 445.70 Td (year ) Tj ET Q q 0 0 0 rg BT 421.76 445.70 Td (and ) Tj ET Q q 0 0 0 rg BT 441.49 445.70 Td (2.29% ) Tj ET Q q 0 0 0 rg BT 474.88 445.70 Td (in ) Tj ET Q q 0 0 0 rg BT 486.62 445.70 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 445.70 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 431.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 431.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 414.31 cm /I30 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 416.90 Td (Households) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 160.67 422.34 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 164.57 416.90 Td ( ) Tj ET Q q 0 0 0 rg BT 166.50 416.90 Td (totaled ) Tj ET Q q 0 0 0 rg BT 201.08 416.90 Td (25.2million, ) Tj ET Q q 0 0 0 rg BT 264.68 416.90 Td (up ) Tj ET Q q 0 0 0 rg BT 278.61 416.90 Td (3% ) Tj ET Q q 0 0 0 rg BT 296.54 416.90 Td (from ) Tj ET Q q 0 0 0 rg BT 321.80 416.90 Td (the ) Tj ET Q q 0 0 0 rg BT 338.39 416.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 363.64 416.90 Td (year ) Tj ET Q q 0 0 0 rg BT 386.22 416.90 Td (and ) Tj ET Q q 0 0 0 rg BT 405.48 416.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 423.41 416.90 Td (from ) Tj ET Q q 0 0 0 rg BT 448.66 416.90 Td (the ) Tj ET Q q 0 0 0 rg BT 465.25 416.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.51 416.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 524.01 416.90 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 402.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 152.97 402.50 Td (strong ) Tj ET Q q 0 0 0 rg BT 185.97 402.50 Td (customer ) Tj ET Q q 0 0 0 rg BT 232.96 402.50 Td (retention.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 102.73 376.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.09 376.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 148.39 376.10 Td (net ) Tj ET Q q 0 0 0 rg BT 165.80 376.10 Td (income ) Tj ET Q q 0 0 0 rg BT 203.88 376.10 Td (was ) Tj ET Q q 0 0 0 rg BT 225.29 376.10 Td ($1) Tj ET Q q 0 0 0 rg BT 236.85 376.10 Td (14 ) Tj ET Q q 0 0 0 rg BT 251.60 376.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 292.03 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 300.11 376.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 344.16 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.92 376.10 Td ($559 ) Tj ET Q q 0 0 0 rg BT 383.67 376.10 Td (million ) Tj ET Q q 0 0 0 rg BT 421.10 376.10 Td (from ) Tj ET Q q 0 0 0 rg BT 447.18 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.59 376.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.67 376.10 Td (year) Tj ET Q q 0 0 0 rg BT 510.84 376.10 Td (, ) Tj ET Q q 0 0 0 rg BT 516.60 376.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.01 376.10 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 361.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 79.70 361.70 Td (net ) Tj ET Q q 0 0 0 rg BT 96.74 361.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 137.09 361.70 Td (and ) Tj ET Q q 0 0 0 rg BT 156.80 361.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 186.50 361.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 222.20 361.70 Td (from ) Tj ET Q q 0 0 0 rg BT 247.90 361.70 Td (the ) Tj ET Q q 0 0 0 rg BT 264.94 361.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 312.65 361.70 Td (for ) Tj ET Q q 0 0 0 rg BT 329.02 361.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 358.72 361.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 392.77 361.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 435.13 361.70 Td (of) Tj ET Q q 0 0 0 rg BT 444.91 361.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 464.62 361.70 Td (by ) Tj ET Q q 0 0 0 rg BT 478.99 361.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 508.70 361.70 Td (noninterest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 347.30 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 326.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.63 326.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.91 326.90 Td (was ) Tj ET Q q 0 0 0 rg BT 133.88 326.90 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 158.18 326.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 195.82 326.90 Td (a ) Tj ET Q q 0 0 0 rg BT 204.45 326.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 249.05 326.90 Td (of ) Tj ET Q q 0 0 0 rg BT 262.36 326.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 286.66 326.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 321.30 326.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 371.91 326.90 Td (with ) Tj ET Q q 0 0 0 rg BT 396.55 326.90 Td (the ) Tj ET Q q 0 0 0 rg BT 414.52 326.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.15 326.90 Td (year) Tj ET Q q 0 0 0 rg BT 461.13 326.90 Td (. ) Tj ET Q q 0 0 0 rg BT 467.44 326.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.07 326.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.70 326.90 Td (income ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 312.50 Td (was ) Tj ET Q q 0 0 0 rg BT 71.70 312.50 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 95.73 312.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 133.10 312.50 Td (a ) Tj ET Q q 0 0 0 rg BT 141.46 312.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 185.79 312.50 Td (of ) Tj ET Q q 0 0 0 rg BT 198.82 312.50 Td ($1) Tj ET Q q 0 0 0 rg BT 210.37 312.50 Td (17 ) Tj ET Q q 0 0 0 rg BT 225.41 312.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 266.11 312.50 Td (or ) Tj ET Q q 0 0 0 rg BT 279.14 312.50 Td (10%, ) Tj ET Q q 0 0 0 rg BT 307.17 312.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 340.86 312.50 Td (by ) Tj ET Q q 0 0 0 rg BT 355.89 312.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 386.25 312.50 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 440.59 312.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 484.94 312.50 Td (as ) Tj ET Q q 0 0 0 rg BT 497.97 312.50 Td (well ) Tj ET Q q 0 0 0 rg BT 521.66 312.50 Td (as ) Tj ET Q q 0 0 0 rg BT 534.69 312.50 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 72.60 298.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 115.86 298.10 Td (due ) Tj ET Q q 0 0 0 rg BT 135.13 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.40 298.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 190.34 298.10 Td (runof) Tj ET Q q 0 0 0 rg BT 216.12 298.10 Td (f. ) Tj ET Q q 0 0 0 rg BT 225.06 298.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 282.99 298.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 322.91 298.10 Td (was ) Tj ET Q q 0 0 0 rg BT 343.51 298.10 Td ($51) Tj ET Q q 0 0 0 rg BT 361.07 298.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 369.01 298.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 408.62 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 415.89 298.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 459.14 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.08 298.10 Td ($1.0billion, ) Tj ET Q q 0 0 0 rg BT 531.35 298.10 Td (driven ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 283.70 Td (by ) Tj ET Q q 0 0 0 rg BT 65.00 283.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 95.32 283.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 143.64 283.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 165.96 283.70 Td (and ) Tj ET Q q 0 0 0 rg BT 186.28 283.70 Td (related ) Tj ET Q q 0 0 0 rg BT 221.93 283.70 Td (income.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 263.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.35 263.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.38 263.30 Td (for ) Tj ET Q q 0 0 0 rg BT 136.07 263.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.08 263.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.45 263.30 Td (was ) Tj ET Q q 0 0 0 rg BT 218.80 263.30 Td (a ) Tj ET Q q 0 0 0 rg BT 226.82 263.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 262.84 263.30 Td (of ) Tj ET Q q 0 0 0 rg BT 275.53 263.30 Td ($23 ) Tj ET Q q 0 0 0 rg BT 296.22 263.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 330.89 268.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 334.79 263.30 Td (, ) Tj ET Q q 0 0 0 rg BT 340.49 263.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 390.49 263.30 Td (with ) Tj ET Q q 0 0 0 rg BT 414.52 263.30 Td (a ) Tj ET Q q 0 0 0 rg BT 422.54 263.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 458.55 263.30 Td (of ) Tj ET Q q 0 0 0 rg BT 471.25 263.30 Td ($198 ) Tj ET Q q 0 0 0 rg BT 497.94 263.30 Td (million ) Tj ET Q q 0 0 0 rg BT 535.31 263.30 Td (in ) Tj ET Q q 0 0 0 rg BT 547.33 263.30 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 248.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.02 248.90 Td (year) Tj ET Q q 0 0 0 rg BT 96.00 248.90 Td (. ) Tj ET Q q 0 0 0 rg BT 101.50 248.90 Td (The ) Tj ET Q q 0 0 0 rg BT 122.85 248.90 Td (current ) Tj ET Q q 0 0 0 rg BT 159.52 248.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 196.19 248.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 240.85 248.90 Td (a ) Tj ET Q q 0 0 0 rg BT 248.87 248.90 Td ($200 ) Tj ET Q q 0 0 0 rg BT 275.56 248.90 Td (million ) Tj ET Q q 0 0 0 rg BT 312.92 248.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 360.93 248.90 Td (in ) Tj ET Q q 0 0 0 rg BT 372.96 248.90 Td (the ) Tj ET Q q 0 0 0 rg BT 390.31 248.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 441.64 248.90 Td (for ) Tj ET Q q 0 0 0 rg BT 458.33 248.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 481.68 248.90 Td (losses, ) Tj ET Q q 0 0 0 rg BT 516.04 248.90 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 234.50 Td (continued ) Tj ET Q q 0 0 0 rg BT 99.94 234.50 Td (improvement ) Tj ET Q q 0 0 0 rg BT 166.54 234.50 Td (in ) Tj ET Q q 0 0 0 rg BT 178.50 234.50 Td (home ) Tj ET Q q 0 0 0 rg BT 207.78 234.50 Td (prices ) Tj ET Q q 0 0 0 rg BT 239.05 234.50 Td (and ) Tj ET Q q 0 0 0 rg BT 258.99 234.50 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 330.40 234.50 Td (The ) Tj ET Q q 0 0 0 rg BT 351.67 234.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 377.62 234.50 Td (year ) Tj ET Q q 0 0 0 rg BT 400.89 234.50 Td (included ) Tj ET Q q 0 0 0 rg BT 444.83 234.50 Td (a ) Tj ET Q q 0 0 0 rg BT 452.77 234.50 Td ($650 ) Tj ET Q q 0 0 0 rg BT 479.39 234.50 Td (million ) Tj ET Q q 0 0 0 rg BT 516.68 234.50 Td (reduction ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (in ) Tj ET Q q 0 0 0 rg BT 61.80 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.92 220.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 130.03 220.10 Td (for ) Tj ET Q q 0 0 0 rg BT 146.49 220.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 169.61 220.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 203.75 220.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 223.54 220.10 Td (char) Tj ET Q q 0 0 0 rg BT 243.97 220.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 269.07 220.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 280.20 220.10 Td (were ) Tj ET Q q 0 0 0 rg BT 305.98 220.10 Td ($177 ) Tj ET Q q 0 0 0 rg BT 332.45 220.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 372.58 220.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 422.36 220.10 Td (with ) Tj ET Q q 0 0 0 rg BT 446.16 220.10 Td ($452 ) Tj ET Q q 0 0 0 rg BT 472.62 220.10 Td (million ) Tj ET Q q 0 0 0 rg BT 509.76 220.10 Td (in ) Tj ET Q q 0 0 0 rg BT 521.56 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 220.10 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 205.70 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 205.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 185.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.85 185.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.37 185.30 Td (was ) Tj ET Q q 0 0 0 rg BT 171.90 185.30 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 195.77 185.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.97 185.30 Td (a ) Tj ET Q q 0 0 0 rg BT 241.17 185.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 285.33 185.30 Td (of ) Tj ET Q q 0 0 0 rg BT 298.20 185.30 Td ($403 ) Tj ET Q q 0 0 0 rg BT 325.07 185.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 365.60 185.30 Td (or ) Tj ET Q q 0 0 0 rg BT 378.47 185.30 Td (22%, ) Tj ET Q q 0 0 0 rg BT 406.33 185.30 Td (from ) Tj ET Q q 0 0 0 rg BT 432.53 185.30 Td (the ) Tj ET Q q 0 0 0 rg BT 450.05 185.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 476.25 185.30 Td (year) Tj ET Q q 0 0 0 rg BT 496.42 185.30 Td (, ) Tj ET Q q 0 0 0 rg BT 502.29 185.30 Td (due ) Tj ET Q q 0 0 0 rg BT 522.48 185.30 Td (to ) Tj ET Q q 0 0 0 rg BT 534.68 185.30 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 170.90 Td (headcount-related ) Tj ET Q q 0 0 0 rg BT 138.95 170.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 180.60 170.90 Td (in ) Tj ET Q q 0 0 0 rg BT 192.93 170.90 Td (production ) Tj ET Q q 0 0 0 rg BT 247.92 170.90 Td (and ) Tj ET Q q 0 0 0 rg BT 268.25 170.90 Td (servicing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.90 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 138.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 100.46 138.50 Td (Production) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 155.80 138.50 Td ( ) Tj ET Q q 0 0 0 rg BT 158.27 138.50 Td (pretax ) Tj ET Q q 0 0 0 rg BT 190.71 138.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 211.85 138.50 Td (was ) Tj ET Q q 0 0 0 rg BT 232.97 138.50 Td ($58million, ) Tj ET Q q 0 0 0 rg BT 294.10 138.50 Td (a ) Tj ET Q q 0 0 0 rg BT 301.89 138.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 345.65 138.50 Td (of ) Tj ET Q q 0 0 0 rg BT 358.11 138.50 Td ($485 ) Tj ET Q q 0 0 0 rg BT 384.57 138.50 Td (million ) Tj ET Q q 0 0 0 rg BT 421.71 138.50 Td (from ) Tj ET Q q 0 0 0 rg BT 447.49 138.50 Td (the ) Tj ET Q q 0 0 0 rg BT 464.62 138.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.41 138.50 Td (year) Tj ET Q q 0 0 0 rg BT 510.57 138.50 Td (, ) Tj ET Q q 0 0 0 rg BT 516.04 138.50 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.25 124.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 124.14 124.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 167.05 124.10 Td (of) Tj ET Q q 0 0 0 rg BT 176.83 124.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 197.08 124.10 Td (by ) Tj ET Q q 0 0 0 rg BT 212.01 124.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 242.25 124.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 283.82 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.07 124.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 334.32 124.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 389.21 124.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 423.80 124.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 473.38 124.10 Td (production-related ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 109.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 93.61 109.70 Td (excluding ) Tj ET Q q 0 0 0 rg BT 143.57 109.70 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 198.17 109.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 232.47 109.70 Td (was ) Tj ET Q q 0 0 0 rg BT 253.77 109.70 Td ($292 ) Tj ET Q q 0 0 0 rg BT 280.41 109.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 320.71 109.70 Td (a ) Tj ET Q q 0 0 0 rg BT 328.67 109.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 372.60 109.70 Td (of ) Tj ET Q q 0 0 0 rg BT 385.24 109.70 Td ($926 ) Tj ET Q q 0 0 0 rg BT 411.87 109.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 452.18 109.70 Td (from ) Tj ET Q q 0 0 0 rg BT 478.14 109.70 Td (the ) Tj ET Q q 0 0 0 rg BT 495.43 109.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 521.39 109.70 Td (year ) Tj ET Q q 0 0 0 rg BT 544.68 109.70 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 95.30 Td ($202 ) Tj ET Q q 0 0 0 rg BT 76.14 95.30 Td (million ) Tj ET Q q 0 0 0 rg BT 112.94 95.30 Td (from ) Tj ET Q q 0 0 0 rg BT 138.41 95.30 Td (the ) Tj ET Q q 0 0 0 rg BT 155.21 95.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 180.67 95.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 214.17 95.30 Td (, ) Tj ET Q q 0 0 0 rg BT 219.30 95.30 Td (lar) Tj ET Q q 0 0 0 rg BT 231.74 95.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 254.54 95.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 302.65 95.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 332.11 95.30 Td (volumes. ) Tj ET Q q 0 0 0 rg BT 377.91 95.30 Td (Production ) Tj ET Q q 0 0 0 rg BT 432.71 95.30 Td (expense) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 471.36 100.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 475.26 95.30 Td ( ) Tj ET Q q 0 0 0 rg BT 477.40 95.30 Td (was ) Tj ET Q q 0 0 0 rg BT 498.20 95.30 Td ($478 ) Tj ET Q q 0 0 0 rg BT 524.33 95.30 Td (million, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 80.90 Td (a ) Tj ET Q q 0 0 0 rg BT 58.18 80.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 102.34 80.90 Td (of ) Tj ET Q q 0 0 0 rg BT 115.19 80.90 Td ($232million ) Tj ET Q q 0 0 0 rg BT 179.72 80.90 Td (from ) Tj ET Q q 0 0 0 rg BT 205.90 80.90 Td (the ) Tj ET Q q 0 0 0 rg BT 223.42 80.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 249.61 80.90 Td (year) Tj ET Q q 0 0 0 rg BT 269.77 80.90 Td (, ) Tj ET Q q 0 0 0 rg BT 275.63 80.90 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 348.48 80.90 Td (due ) Tj ET Q q 0 0 0 rg BT 368.66 80.90 Td (to ) Tj ET Q q 0 0 0 rg BT 380.85 80.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 411.03 80.90 Td (headcount-related ) Tj ET Q q 0 0 0 rg BT 499.84 80.90 Td (expense; ) Tj ET Q q 0 0 0 rg BT 544.68 80.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 66.50 Td (a ) Tj ET Q q 0 0 0 rg BT 59.08 66.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 104.13 66.50 Td (of ) Tj ET Q q 0 0 0 rg BT 117.89 66.50 Td ($51) Tj ET Q q 0 0 0 rg BT 135.44 66.50 Td (1 ) Tj ET Q q 0 0 0 rg BT 145.20 66.50 Td (million ) Tj ET Q q 0 0 0 rg BT 183.62 66.50 Td (from ) Tj ET Q q 0 0 0 rg BT 210.71 66.50 Td (the ) Tj ET Q q 0 0 0 rg BT 229.12 66.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 256.20 66.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 289.70 66.50 Td (, ) Tj ET Q q 0 0 0 rg BT 296.46 66.50 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 370.20 66.50 Td (due ) Tj ET Q q 0 0 0 rg BT 391.28 66.50 Td (to ) Tj ET Q q 0 0 0 rg BT 404.37 66.50 Td (the ) Tj ET Q q 0 0 0 rg BT 422.79 66.50 Td (absence ) Tj ET Q q 0 0 0 rg BT 464.52 66.50 Td (of ) Tj ET Q q 0 0 0 rg BT 478.27 66.50 Td (non-MBS ) Tj ET Q q 0 0 0 rg BT 529.37 66.50 Td (related ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 76.31 52.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 120.95 52.10 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 179.92 52.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 211.58 52.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.56 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.21 52.10 Td (current ) Tj ET Q q 0 0 0 rg BT 283.18 52.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 320.15 52.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 365.11 52.10 Td (a ) Tj ET Q q 0 0 0 rg BT 373.43 52.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 409.73 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.72 52.10 Td ($128 ) Tj ET Q q 0 0 0 rg BT 449.71 52.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 490.37 52.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.67 52.10 Td (with ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 81.67 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 94.67 740.70 Td ($81 ) Tj ET Q q 0 0 0 rg BT 115.67 740.70 Td (million ) Tj ET Q q 0 0 0 rg BT 153.34 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 165.67 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 183.33 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 209.66 740.70 Td (year) Tj ET Q q 0 0 0 rg BT 229.64 740.70 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 714.30 Td (Mortgage Servicing ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 150.66 714.30 Td (pretax loss was $270 million, compared with a pretax loss of $101 million in the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 699.90 Td (prior year) Tj ET Q q 0 0 0 rg BT 96.49 699.90 Td (, reflecting a higher MSR risk management loss, lar) Tj ET Q q 0 0 0 rg BT 344.22 699.90 Td (gely of) Tj ET Q q 0 0 0 rg BT 377.66 699.90 Td (fset by lower expenses. Mortgage net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 685.50 Td (servicing-related revenue was $713 million, a decrease of $65 million from the prior year) Tj ET Q q 0 0 0 rg BT 478.52 685.50 Td (. MSR risk ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 671.10 Td (management was a loss of $401 million, which includes a negative $460 million fair value adjustment ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 656.70 Td (primarily related to higher capital allocated to the business, compared with a MSR risk management loss ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 642.30 Td (of $142 million in the prior year) Tj ET Q q 0 0 0 rg BT 203.97 642.30 Td (. Servicing expense) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 297.61 647.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 301.51 642.30 Td ( was $582 million, a decrease of $155 million from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 627.90 Td (the prior year) Tj ET Q q 0 0 0 rg BT 114.15 627.90 Td (, reflecting lower headcount-related expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 601.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 601.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 601.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 601.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 601.50 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 592.54 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 570.11 cm /I31 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 572.70 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 572.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 152.79 572.70 Td (application ) Tj ET Q q 0 0 0 rg BT 208.24 572.70 Td (volumes ) Tj ET Q q 0 0 0 rg BT 251.04 572.70 Td (were ) Tj ET Q q 0 0 0 rg BT 276.49 572.70 Td ($26.1 ) Tj ET Q q 0 0 0 rg BT 305.63 572.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 342.10 572.70 Td (down ) Tj ET Q q 0 0 0 rg BT 370.91 572.70 Td (57% ) Tj ET Q q 0 0 0 rg BT 395.04 572.70 Td (from ) Tj ET Q q 0 0 0 rg BT 420.50 572.70 Td (the ) Tj ET Q q 0 0 0 rg BT 437.30 572.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 462.77 572.70 Td (year ) Tj ET Q q 0 0 0 rg BT 485.55 572.70 Td (and ) Tj ET Q q 0 0 0 rg BT 505.01 572.70 Td (17% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 558.30 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 558.30 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 558.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 558.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 558.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 541.31 cm /I32 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 543.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.42 543.90 Td (total ) Tj ET Q q 0 0 0 rg BT 183.51 543.90 Td (third-party ) Tj ET Q q 0 0 0 rg BT 237.60 543.90 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 285.68 543.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 313.78 543.90 Td (serviced ) Tj ET Q q 0 0 0 rg BT 356.52 543.90 Td (were ) Tj ET Q q 0 0 0 rg BT 382.61 543.90 Td ($803.1 ) Tj ET Q q 0 0 0 rg BT 418.37 543.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 455.48 543.90 Td (down ) Tj ET Q q 0 0 0 rg BT 484.91 543.90 Td (5% ) Tj ET Q q 0 0 0 rg BT 503.67 543.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 529.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 529.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 529.50 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 529.50 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 529.50 Td (2% ) Tj ET Q q 0 0 0 rg BT 210.96 529.50 Td (from ) Tj ET Q q 0 0 0 rg BT 237.28 529.50 Td (the ) Tj ET Q q 0 0 0 rg BT 254.94 529.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.27 529.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 314.59 529.50 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 503.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 76.39 503.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 110.78 503.10 Td (Portfolios) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 159.45 503.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.17 503.10 Td (pretax ) Tj ET Q q 0 0 0 rg BT 196.88 503.10 Td (income ) Tj ET Q q 0 0 0 rg BT 235.92 503.10 Td (was ) Tj ET Q q 0 0 0 rg BT 258.31 503.10 Td ($517 ) Tj ET Q q 0 0 0 rg BT 286.03 503.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 327.42 503.10 Td (down ) Tj ET Q q 0 0 0 rg BT 357.81 503.10 Td ($267million ) Tj ET Q q 0 0 0 rg BT 423.21 503.10 Td (from ) Tj ET Q q 0 0 0 rg BT 450.26 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.64 503.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 495.69 503.10 Td (year) Tj ET Q q 0 0 0 rg BT 515.86 503.10 Td (, ) Tj ET Q q 0 0 0 rg BT 522.58 503.10 Td (due ) Tj ET Q q 0 0 0 rg BT 543.63 503.10 Td (to ) Tj ET Q q 0 0 0 rg BT 556.69 503.10 Td (a ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 488.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.32 488.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 116.64 488.70 Td (from ) Tj ET Q q 0 0 0 rg BT 142.96 488.70 Td (the ) Tj ET Q q 0 0 0 rg BT 160.63 488.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 208.96 488.70 Td (for ) Tj ET Q q 0 0 0 rg BT 225.95 488.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 256.27 488.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 287.94 488.70 Td (and ) Tj ET Q q 0 0 0 rg BT 308.26 488.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 338.59 488.70 Td (net ) Tj ET Q q 0 0 0 rg BT 356.25 488.70 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 468.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.57 468.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.79 468.30 Td (was ) Tj ET Q q 0 0 0 rg BT 133.70 468.30 Td ($837 ) Tj ET Q q 0 0 0 rg BT 160.95 468.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 201.86 468.30 Td (a ) Tj ET Q q 0 0 0 rg BT 210.44 468.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 254.98 468.30 Td (of ) Tj ET Q q 0 0 0 rg BT 268.22 468.30 Td ($108million, ) Tj ET Q q 0 0 0 rg BT 336.14 468.30 Td (or ) Tj ET Q q 0 0 0 rg BT 349.38 468.30 Td (1) Tj ET Q q 0 0 0 rg BT 354.93 468.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 377.18 468.30 Td (from ) Tj ET Q q 0 0 0 rg BT 403.75 468.30 Td (the ) Tj ET Q q 0 0 0 rg BT 421.65 468.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 448.23 468.30 Td (year) Tj ET Q q 0 0 0 rg BT 468.21 468.30 Td (. ) Tj ET Q q 0 0 0 rg BT 474.22 468.30 Td (This ) Tj ET Q q 0 0 0 rg BT 498.80 468.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 543.35 468.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 453.90 Td (lar) Tj ET Q q 0 0 0 rg BT 62.44 453.90 Td (gely ) Tj ET Q q 0 0 0 rg BT 86.10 453.90 Td (due ) Tj ET Q q 0 0 0 rg BT 106.43 453.90 Td (to ) Tj ET Q q 0 0 0 rg BT 118.76 453.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 149.08 453.90 Td (net ) Tj ET Q q 0 0 0 rg BT 166.74 453.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 205.06 453.90 Td (income ) Tj ET Q q 0 0 0 rg BT 243.38 453.90 Td (resulting ) Tj ET Q q 0 0 0 rg BT 288.38 453.90 Td (from ) Tj ET Q q 0 0 0 rg BT 314.70 453.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 345.03 453.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 368.69 453.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 412.99 453.90 Td (due ) Tj ET Q q 0 0 0 rg BT 433.32 453.90 Td (to ) Tj ET Q q 0 0 0 rg BT 445.65 453.90 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 490.65 453.90 Td (runof) Tj ET Q q 0 0 0 rg BT 516.42 453.90 Td (f.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 433.50 Td (The ) Tj ET Q q 0 0 0 rg BT 71.55 433.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.78 433.50 Td (for ) Tj ET Q q 0 0 0 rg BT 136.67 433.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.88 433.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.45 433.50 Td (was ) Tj ET Q q 0 0 0 rg BT 220.01 433.50 Td (a ) Tj ET Q q 0 0 0 rg BT 228.23 433.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 264.44 433.50 Td (of ) Tj ET Q q 0 0 0 rg BT 277.33 433.50 Td ($26 ) Tj ET Q q 0 0 0 rg BT 298.23 433.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 338.80 433.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 389.00 433.50 Td (with ) Tj ET Q q 0 0 0 rg BT 413.23 433.50 Td (a ) Tj ET Q q 0 0 0 rg BT 421.45 433.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 457.66 433.50 Td (of ) Tj ET Q q 0 0 0 rg BT 470.56 433.50 Td ($202million ) Tj ET Q q 0 0 0 rg BT 535.12 433.50 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 433.50 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 419.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 78.16 419.10 Td (year) Tj ET Q q 0 0 0 rg BT 98.15 419.10 Td (. ) Tj ET Q q 0 0 0 rg BT 105.63 419.10 Td (The ) Tj ET Q q 0 0 0 rg BT 129.13 419.10 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 205.91 419.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 256.08 419.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 302.88 419.10 Td (a ) Tj ET Q q 0 0 0 rg BT 313.05 419.10 Td ($200 ) Tj ET Q q 0 0 0 rg BT 341.88 419.10 Td (million ) Tj ET Q q 0 0 0 rg BT 381.39 419.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 431.54 419.10 Td (in ) Tj ET Q q 0 0 0 rg BT 445.71 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.20 419.10 Td (non ) Tj ET Q q 0 0 0 rg BT 488.04 419.10 Td (credit-impaired ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 404.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 101.97 404.70 Td (for ) Tj ET Q q 0 0 0 rg BT 119.30 404.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 143.29 404.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 178.29 404.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 227.60 404.70 Td (continued ) Tj ET Q q 0 0 0 rg BT 278.25 404.70 Td (improvement ) Tj ET Q q 0 0 0 rg BT 345.57 404.70 Td (in ) Tj ET Q q 0 0 0 rg BT 358.23 404.70 Td (home ) Tj ET Q q 0 0 0 rg BT 388.23 404.70 Td (prices ) Tj ET Q q 0 0 0 rg BT 420.21 404.70 Td (and ) Tj ET Q q 0 0 0 rg BT 440.87 404.70 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 512.94 404.70 Td (The ) Tj ET Q q 0 0 0 rg BT 534.93 404.70 Td (prior) Tj ET Q q 0 0 0 rg BT 558.01 404.70 Td (-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 390.30 Td (year ) Tj ET Q q 0 0 0 rg BT 72.49 390.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.67 390.30 Td (included ) Tj ET Q q 0 0 0 rg BT 162.83 390.30 Td (a ) Tj ET Q q 0 0 0 rg BT 170.00 390.30 Td ($650 ) Tj ET Q q 0 0 0 rg BT 195.84 390.30 Td (million ) Tj ET Q q 0 0 0 rg BT 232.36 390.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 279.51 390.30 Td (in ) Tj ET Q q 0 0 0 rg BT 290.69 390.30 Td (the ) Tj ET Q q 0 0 0 rg BT 307.19 390.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 357.68 390.30 Td (for ) Tj ET Q q 0 0 0 rg BT 373.51 390.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 396.01 390.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 426.53 390.30 Td (from ) Tj ET Q q 0 0 0 rg BT 451.70 390.30 Td (the ) Tj ET Q q 0 0 0 rg BT 468.20 390.30 Td (non ) Tj ET Q q 0 0 0 rg BT 488.04 390.30 Td (credit-impaired ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 375.90 Td (allowance. ) Tj ET Q q 0 0 0 rg BT 104.77 375.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 125.24 375.90 Td (char) Tj ET Q q 0 0 0 rg BT 145.67 375.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 170.77 375.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 182.57 375.90 Td (were ) Tj ET Q q 0 0 0 rg BT 209.02 375.90 Td ($174million, ) Tj ET Q q 0 0 0 rg BT 276.83 375.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 327.27 375.90 Td (with ) Tj ET Q q 0 0 0 rg BT 351.74 375.90 Td ($448 ) Tj ET Q q 0 0 0 rg BT 378.88 375.90 Td (million ) Tj ET Q q 0 0 0 rg BT 416.69 375.90 Td (in ) Tj ET Q q 0 0 0 rg BT 429.16 375.90 Td (the ) Tj ET Q q 0 0 0 rg BT 446.95 375.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 473.42 375.90 Td (year) Tj ET Q q 0 0 0 rg BT 493.40 375.90 Td (. ) Tj ET Q q 0 0 0 rg BT 499.54 375.90 Td (Home ) Tj ET Q q 0 0 0 rg BT 532.00 375.90 Td (equity ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 361.50 Td (net ) Tj ET Q q 0 0 0 rg BT 68.75 361.50 Td (char) Tj ET Q q 0 0 0 rg BT 89.18 361.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 114.28 361.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 127.03 361.50 Td (were ) Tj ET Q q 0 0 0 rg BT 154.43 361.50 Td ($166million ) Tj ET Q q 0 0 0 rg BT 220.19 361.50 Td (\(1.18% ) Tj ET Q q 0 0 0 rg BT 259.27 361.50 Td (net ) Tj ET Q q 0 0 0 rg BT 278.02 361.50 Td (char) Tj ET Q q 0 0 0 rg BT 298.45 361.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 323.55 361.50 Td (f ) Tj ET Q q 0 0 0 rg BT 331.63 361.50 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 349.62 366.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 353.52 361.50 Td (\), ) Tj ET Q q 0 0 0 rg BT 364.60 361.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 415.99 361.50 Td (with ) Tj ET Q q 0 0 0 rg BT 441.42 361.50 Td ($333 ) Tj ET Q q 0 0 0 rg BT 469.50 361.50 Td (million ) Tj ET Q q 0 0 0 rg BT 508.26 361.50 Td (\(2.04% ) Tj ET Q q 0 0 0 rg BT 547.34 361.50 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 347.10 Td (char) Tj ET Q q 0 0 0 rg BT 70.43 347.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 95.53 347.10 Td (f ) Tj ET Q q 0 0 0 rg BT 102.46 347.10 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 120.44 352.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 124.34 347.10 Td (\) ) Tj ET Q q 0 0 0 rg BT 131.27 347.10 Td (in ) Tj ET Q q 0 0 0 rg BT 143.54 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.13 347.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 187.39 347.10 Td (year) Tj ET Q q 0 0 0 rg BT 207.38 347.10 Td (. ) Tj ET Q q 0 0 0 rg BT 213.31 347.10 Td (Subprime ) Tj ET Q q 0 0 0 rg BT 262.91 347.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 311.16 347.10 Td (net ) Tj ET Q q 0 0 0 rg BT 328.75 347.10 Td (char) Tj ET Q q 0 0 0 rg BT 349.18 347.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 374.28 347.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 385.88 347.10 Td (were ) Tj ET Q q 0 0 0 rg BT 412.13 347.10 Td ($13million ) Tj ET Q q 0 0 0 rg BT 470.73 347.10 Td (\(0.75% ) Tj ET Q q 0 0 0 rg BT 508.65 347.10 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 347.10 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 347.10 Td (ge-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 332.70 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 332.70 Td (f ) Tj ET Q q 0 0 0 rg BT 66.01 332.70 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 83.99 338.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 87.89 332.70 Td (\), ) Tj ET Q q 0 0 0 rg BT 97.12 332.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 146.66 332.70 Td (with ) Tj ET Q q 0 0 0 rg BT 170.23 332.70 Td (net ) Tj ET Q q 0 0 0 rg BT 187.13 332.70 Td (char) Tj ET Q q 0 0 0 rg BT 207.56 332.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 232.66 332.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 243.56 332.70 Td (of ) Tj ET Q q 0 0 0 rg BT 255.79 332.70 Td ($67million ) Tj ET Q q 0 0 0 rg BT 313.69 332.70 Td (\(3.34% ) Tj ET Q q 0 0 0 rg BT 350.92 332.70 Td (net ) Tj ET Q q 0 0 0 rg BT 367.81 332.70 Td (char) Tj ET Q q 0 0 0 rg BT 388.24 332.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 413.35 332.70 Td (f ) Tj ET Q q 0 0 0 rg BT 419.58 332.70 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 437.56 338.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 441.46 332.70 Td (\). ) Tj ET Q q 0 0 0 rg BT 450.69 332.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 470.25 332.70 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 521.78 332.70 Td (of ) Tj ET Q q 0 0 0 rg BT 534.01 332.70 Td (prime ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 318.30 Td (mortgage, ) Tj ET Q q 0 0 0 rg BT 101.46 318.30 Td (including ) Tj ET Q q 0 0 0 rg BT 149.93 318.30 Td (option ) Tj ET Q q 0 0 0 rg BT 183.04 318.30 Td (ARMs, ) Tj ET Q q 0 0 0 rg BT 221.19 318.30 Td (were ) Tj ET Q q 0 0 0 rg BT 247.65 318.30 Td ($7million ) Tj ET Q q 0 0 0 rg BT 300.46 318.30 Td (\(0.06% ) Tj ET Q q 0 0 0 rg BT 338.59 318.30 Td (net ) Tj ET Q q 0 0 0 rg BT 356.39 318.30 Td (recovery ) Tj ET Q q 0 0 0 rg BT 401.50 318.30 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 419.48 323.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 423.38 318.30 Td (\), ) Tj ET Q q 0 0 0 rg BT 433.52 318.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 483.97 318.30 Td (with ) Tj ET Q q 0 0 0 rg BT 508.44 318.30 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 318.30 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 318.30 Td (ge-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 303.90 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 303.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 71.45 303.90 Td (of ) Tj ET Q q 0 0 0 rg BT 84.44 303.90 Td ($44 ) Tj ET Q q 0 0 0 rg BT 105.44 303.90 Td (million ) Tj ET Q q 0 0 0 rg BT 143.11 303.90 Td (\(0.43% ) Tj ET Q q 0 0 0 rg BT 181.10 303.90 Td (net ) Tj ET Q q 0 0 0 rg BT 198.76 303.90 Td (char) Tj ET Q q 0 0 0 rg BT 219.20 303.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 244.30 303.90 Td (f ) Tj ET Q q 0 0 0 rg BT 251.29 303.90 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 269.28 309.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 273.17 303.90 Td (\).) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 283.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 107.94 283.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 148.54 283.50 Td (was ) Tj ET Q q 0 0 0 rg BT 169.16 283.50 Td ($346million, ) Tj ET Q q 0 0 0 rg BT 235.78 283.50 Td (a ) Tj ET Q q 0 0 0 rg BT 243.06 283.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 286.31 283.50 Td (of ) Tj ET Q q 0 0 0 rg BT 298.26 283.50 Td ($17million, ) Tj ET Q q 0 0 0 rg BT 358.89 283.50 Td (or ) Tj ET Q q 0 0 0 rg BT 370.84 283.50 Td (5%, ) Tj ET Q q 0 0 0 rg BT 391.79 283.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 441.05 283.50 Td (with ) Tj ET Q q 0 0 0 rg BT 464.34 283.50 Td (the ) Tj ET Q q 0 0 0 rg BT 480.95 283.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 506.23 283.50 Td (year) Tj ET Q q 0 0 0 rg BT 526.40 283.50 Td (, ) Tj ET Q q 0 0 0 rg BT 531.36 283.50 Td (driven ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 269.10 Td (by ) Tj ET Q q 0 0 0 rg BT 65.00 269.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 95.32 269.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 148.30 269.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 174.62 269.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 219.27 269.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 262.26 269.10 Td (of) Tj ET Q q 0 0 0 rg BT 272.04 269.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 292.36 269.10 Td (by ) Tj ET Q q 0 0 0 rg BT 307.36 269.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 341.02 269.10 Td (professional ) Tj ET Q q 0 0 0 rg BT 402.67 269.10 Td (fees.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 228.30 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 228.30 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 228.30 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 228.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 228.30 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 219.34 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 219.34 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 219.34 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 219.34 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 219.34 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 219.34 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 219.34 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 219.34 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 219.34 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 219.34 Td (noted. ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 257.02 219.34 Td (A) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 261.65 219.34 Td (verage ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 284.81 219.34 Td (loans ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 304.10 219.34 Td (include ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 329.88 219.34 Td (PCI ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 344.83 219.34 Td (loans\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 196.91 cm /I33 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 199.50 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 199.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 153.27 199.50 Td (Banking ) Tj ET Q q 0 0 0 rg BT 196.56 199.50 Td (return ) Tj ET Q q 0 0 0 rg BT 227.83 199.50 Td (on ) Tj ET Q q 0 0 0 rg BT 242.46 199.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 275.07 199.50 Td (was ) Tj ET Q q 0 0 0 rg BT 296.36 199.50 Td (3% ) Tj ET Q q 0 0 0 rg BT 314.98 199.50 Td (on ) Tj ET Q q 0 0 0 rg BT 329.60 199.50 Td ($18.0billion ) Tj ET Q q 0 0 0 rg BT 393.56 199.50 Td (of ) Tj ET Q q 0 0 0 rg BT 406.17 199.50 Td (average ) Tj ET Q q 0 0 0 rg BT 446.10 199.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 492.03 199.50 Td (capital. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 182.51 cm /I34 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 185.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 185.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 185.10 Td (home ) Tj ET Q q 0 0 0 rg BT 176.41 185.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 209.40 185.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.73 185.10 Td (were ) Tj ET Q q 0 0 0 rg BT 264.05 185.10 Td ($75.7billion, ) Tj ET Q q 0 0 0 rg BT 331.38 185.10 Td (down ) Tj ET Q q 0 0 0 rg BT 361.05 185.10 Td ($1) Tj ET Q q 0 0 0 rg BT 372.61 185.10 Td (1.1 ) Tj ET Q q 0 0 0 rg BT 390.61 185.10 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 168.11 cm /I35 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 170.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 170.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 170.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 195.07 170.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.40 170.70 Td (were ) Tj ET Q q 0 0 0 rg BT 249.71 170.70 Td ($91.4 ) Tj ET Q q 0 0 0 rg BT 279.71 170.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 317.05 170.70 Td (up ) Tj ET Q q 0 0 0 rg BT 332.05 170.70 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 356.05 170.70 Td (billion. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 153.71 cm /I36 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 156.30 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 158.98 156.30 Td (for ) Tj ET Q q 0 0 0 rg BT 175.97 156.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.63 156.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 231.30 156.30 Td (was ) Tj ET Q q 0 0 0 rg BT 252.96 156.30 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 276.96 156.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 314.30 156.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 364.61 156.30 Td (with ) Tj ET Q q 0 0 0 rg BT 388.94 156.30 Td ($9.9 ) Tj ET Q q 0 0 0 rg BT 412.94 156.30 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 139.31 cm /I37 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 141.90 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 159.97 141.90 Td (for ) Tj ET Q q 0 0 0 rg BT 177.95 141.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 202.59 141.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 235.25 141.90 Td (to ) Tj ET Q q 0 0 0 rg BT 248.57 141.90 Td (ending ) Tj ET Q q 0 0 0 rg BT 285.22 141.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.54 141.90 Td (retained, ) Tj ET Q q 0 0 0 rg BT 360.17 141.90 Td (excluding ) Tj ET Q q 0 0 0 rg BT 411.47 141.90 Td (PCI ) Tj ET Q q 0 0 0 rg BT 434.13 141.90 Td (loans) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 459.46 147.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 463.36 141.90 Td (, ) Tj ET Q q 0 0 0 rg BT 470.35 141.90 Td (was ) Tj ET Q q 0 0 0 rg BT 493.00 141.90 Td (2.06%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 127.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 127.50 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 127.50 Td (3.66%.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 98.70 Td (Card, ) Tj ET Q q 0 0 0 rg BT 81.46 98.70 Td (Mer) Tj ET Q q 0 0 0 rg BT 103.22 98.70 Td (chant ) Tj ET Q q 0 0 0 rg BT 133.68 98.70 Td (Services ) Tj ET Q q 0 0 0 rg BT 177.45 98.70 Td (& ) Tj ET Q q 0 0 0 rg BT 188.84 98.70 Td (Auto) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 214.18 98.70 Td ( ) Tj ET Q q 0 0 0 rg BT 215.97 98.70 Td (net ) Tj ET Q q 0 0 0 rg BT 232.42 98.70 Td (income ) Tj ET Q q 0 0 0 rg BT 269.53 98.70 Td (was ) Tj ET Q q 0 0 0 rg BT 289.98 98.70 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 312.77 98.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 348.90 98.70 Td (a ) Tj ET Q q 0 0 0 rg BT 356.01 98.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 399.10 98.70 Td (of ) Tj ET Q q 0 0 0 rg BT 410.89 98.70 Td ($190 ) Tj ET Q q 0 0 0 rg BT 436.68 98.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 476.14 98.70 Td (or ) Tj ET Q q 0 0 0 rg BT 487.92 98.70 Td (15%, ) Tj ET Q q 0 0 0 rg BT 514.71 98.70 Td (compared ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 84.30 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 84.30 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 84.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 84.30 Td (year) Tj ET Q q 0 0 0 rg BT 138.49 84.30 Td (, ) Tj ET Q q 0 0 0 rg BT 144.49 84.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 178.14 84.30 Td (by ) Tj ET Q q 0 0 0 rg BT 193.14 84.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 223.47 84.30 Td (net ) Tj ET Q q 0 0 0 rg BT 241.13 84.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 282.10 84.30 Td (and ) Tj ET Q q 0 0 0 rg BT 302.43 84.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 336.08 84.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 384.42 84.30 Td (for ) Tj ET Q q 0 0 0 rg BT 401.41 84.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 431.73 84.30 Td (losses.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.14 740.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.92 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 132.40 740.70 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 156.21 740.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.35 740.70 Td (down ) Tj ET Q q 0 0 0 rg BT 222.83 740.70 Td ($209 ) Tj ET Q q 0 0 0 rg BT 249.64 740.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 290.12 740.70 Td (or ) Tj ET Q q 0 0 0 rg BT 302.93 740.70 Td (4%, ) Tj ET Q q 0 0 0 rg BT 324.74 740.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.86 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 399.00 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 416.47 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.61 740.70 Td (year) Tj ET Q q 0 0 0 rg BT 462.60 740.70 Td (. ) Tj ET Q q 0 0 0 rg BT 468.41 740.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.54 740.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.68 740.70 Td (income ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (was ) Tj ET Q q 0 0 0 rg BT 74.50 726.30 Td ($3.3billion, ) Tj ET Q q 0 0 0 rg BT 138.68 726.30 Td (down ) Tj ET Q q 0 0 0 rg BT 171.18 726.30 Td ($202 ) Tj ET Q q 0 0 0 rg BT 201.02 726.30 Td (million ) Tj ET Q q 0 0 0 rg BT 241.53 726.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 294.68 726.30 Td (with ) Tj ET Q q 0 0 0 rg BT 321.85 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 342.35 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 371.52 726.30 Td (year) Tj ET Q q 0 0 0 rg BT 391.69 726.30 Td (, ) Tj ET Q q 0 0 0 rg BT 400.52 726.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 476.35 726.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 512.84 726.30 Td (by ) Tj ET Q q 0 0 0 rg BT 530.68 726.30 Td (spread ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (compression ) Tj ET Q q 0 0 0 rg BT 113.66 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 125.99 711.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 158.98 711.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 185.31 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 204.97 711.90 Td (Auto. ) Tj ET Q q 0 0 0 rg BT 234.97 711.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 293.96 711.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 334.94 711.90 Td (was ) Tj ET Q q 0 0 0 rg BT 356.60 711.90 Td ($1.3billion, ) Tj ET Q q 0 0 0 rg BT 417.93 711.90 Td (down ) Tj ET Q q 0 0 0 rg BT 447.60 711.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 466.60 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 492.92 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 510.58 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 536.91 711.90 Td (year) Tj ET Q q 0 0 0 rg BT 556.89 711.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 691.50 Td (The ) Tj ET Q q 0 0 0 rg BT 73.97 691.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 124.63 691.50 Td (for ) Tj ET Q q 0 0 0 rg BT 143.94 691.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 176.57 691.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 210.56 691.50 Td (was ) Tj ET Q q 0 0 0 rg BT 234.54 691.50 Td ($763 ) Tj ET Q q 0 0 0 rg BT 263.86 691.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 306.85 691.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 359.47 691.50 Td (with ) Tj ET Q q 0 0 0 rg BT 386.13 691.50 Td ($686 ) Tj ET Q q 0 0 0 rg BT 415.45 691.50 Td (million ) Tj ET Q q 0 0 0 rg BT 455.43 691.50 Td (in ) Tj ET Q q 0 0 0 rg BT 470.09 691.50 Td (the ) Tj ET Q q 0 0 0 rg BT 490.06 691.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 518.71 691.50 Td (year ) Tj ET Q q 0 0 0 rg BT 544.68 691.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td ($746million ) Tj ET Q q 0 0 0 rg BT 117.08 677.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.83 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.90 677.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 180.63 677.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 213.95 677.10 Td (. ) Tj ET Q q 0 0 0 rg BT 221.97 677.10 Td (The ) Tj ET Q q 0 0 0 rg BT 246.04 677.10 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 323.40 677.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 374.15 677.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 421.52 677.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 454.26 677.10 Td (net ) Tj ET Q q 0 0 0 rg BT 474.33 677.10 Td (char) Tj ET Q q 0 0 0 rg BT 494.76 677.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 519.86 677.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 533.94 677.10 Td (and ) Tj ET Q q 0 0 0 rg BT 556.68 677.10 Td (a ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 662.70 Td ($250million ) Tj ET Q q 0 0 0 rg BT 115.19 662.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 164.03 662.70 Td (in ) Tj ET Q q 0 0 0 rg BT 176.88 662.70 Td (the ) Tj ET Q q 0 0 0 rg BT 195.06 662.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 247.22 662.70 Td (for ) Tj ET Q q 0 0 0 rg BT 264.73 662.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 288.91 662.70 Td (losses. ) Tj ET Q q 0 0 0 rg BT 323.85 662.70 Td (The ) Tj ET Q q 0 0 0 rg BT 346.02 662.70 Td (prior) Tj ET Q q 0 0 0 rg BT 369.11 662.70 Td (-year ) Tj ET Q q 0 0 0 rg BT 397.27 662.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 446.13 662.70 Td (included ) Tj ET Q q 0 0 0 rg BT 490.97 662.70 Td (a ) Tj ET Q q 0 0 0 rg BT 499.81 662.70 Td ($500 ) Tj ET Q q 0 0 0 rg BT 527.33 662.70 Td (million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 648.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 97.68 648.30 Td (in ) Tj ET Q q 0 0 0 rg BT 109.37 648.30 Td (the ) Tj ET Q q 0 0 0 rg BT 126.39 648.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 177.39 648.30 Td (for ) Tj ET Q q 0 0 0 rg BT 193.74 648.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 216.76 648.30 Td (losses. ) Tj ET Q q 0 0 0 rg BT 250.62 648.30 Td (The ) Tj ET Q q 0 0 0 rg BT 271.64 648.30 Td (Credit ) Tj ET Q q 0 0 0 rg BT 303.99 648.30 Td (Card ) Tj ET Q q 0 0 0 rg BT 329.68 648.30 Td (net ) Tj ET Q q 0 0 0 rg BT 346.70 648.30 Td (char) Tj ET Q q 0 0 0 rg BT 367.13 648.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 392.23 648.30 Td (f ) Tj ET Q q 0 0 0 rg BT 398.59 648.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 418.93 648.30 Td (was ) Tj ET Q q 0 0 0 rg BT 439.95 648.30 Td (2.93%, ) Tj ET Q q 0 0 0 rg BT 476.31 648.30 Td (down ) Tj ET Q q 0 0 0 rg BT 505.33 648.30 Td (from ) Tj ET Q q 0 0 0 rg BT 531.02 648.30 Td (3.55% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 633.90 Td (in ) Tj ET Q q 0 0 0 rg BT 62.97 633.90 Td (the ) Tj ET Q q 0 0 0 rg BT 81.26 633.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 108.22 633.90 Td (year ) Tj ET Q q 0 0 0 rg BT 132.51 633.90 Td (and ) Tj ET Q q 0 0 0 rg BT 153.47 633.90 Td (up ) Tj ET Q q 0 0 0 rg BT 169.10 633.90 Td (from ) Tj ET Q q 0 0 0 rg BT 196.06 633.90 Td (2.86% ) Tj ET Q q 0 0 0 rg BT 230.69 633.90 Td (in ) Tj ET Q q 0 0 0 rg BT 243.66 633.90 Td (the ) Tj ET Q q 0 0 0 rg BT 261.95 633.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 288.91 633.90 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 329.86 633.90 Td (the ) Tj ET Q q 0 0 0 rg BT 348.16 633.90 Td (30+ ) Tj ET Q q 0 0 0 rg BT 370.56 633.90 Td (day ) Tj ET Q q 0 0 0 rg BT 391.52 633.90 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 453.80 633.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 475.42 633.90 Td (was ) Tj ET Q q 0 0 0 rg BT 497.71 633.90 Td (1.61%, ) Tj ET Q q 0 0 0 rg BT 535.34 633.90 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 619.50 Td (from ) Tj ET Q q 0 0 0 rg BT 76.76 619.50 Td (1.94% ) Tj ET Q q 0 0 0 rg BT 111.20 619.50 Td (in ) Tj ET Q q 0 0 0 rg BT 123.97 619.50 Td (the ) Tj ET Q q 0 0 0 rg BT 142.06 619.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 168.83 619.50 Td (year ) Tj ET Q q 0 0 0 rg BT 192.91 619.50 Td (and ) Tj ET Q q 0 0 0 rg BT 213.67 619.50 Td (1.67% ) Tj ET Q q 0 0 0 rg BT 248.11 619.50 Td (in ) Tj ET Q q 0 0 0 rg BT 260.88 619.50 Td (the ) Tj ET Q q 0 0 0 rg BT 278.97 619.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 305.74 619.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 339.05 619.50 Td (. ) Tj ET Q q 0 0 0 rg BT 345.24 619.50 Td (The ) Tj ET Q q 0 0 0 rg BT 366.57 619.50 Td (Auto ) Tj ET Q q 0 0 0 rg BT 394.01 619.50 Td (net ) Tj ET Q q 0 0 0 rg BT 412.11 619.50 Td (char) Tj ET Q q 0 0 0 rg BT 432.54 619.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 457.64 619.50 Td (f ) Tj ET Q q 0 0 0 rg BT 465.07 619.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 486.49 619.50 Td (was ) Tj ET Q q 0 0 0 rg BT 508.59 619.50 Td (0.32%, ) Tj ET Q q 0 0 0 rg BT 546.02 619.50 Td (flat ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 83.66 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.32 605.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 127.65 605.10 Td (year ) Tj ET Q q 0 0 0 rg BT 151.30 605.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.62 605.10 Td (down ) Tj ET Q q 0 0 0 rg BT 201.29 605.10 Td (from ) Tj ET Q q 0 0 0 rg BT 227.62 605.10 Td (0.39% ) Tj ET Q q 0 0 0 rg BT 261.61 605.10 Td (in ) Tj ET Q q 0 0 0 rg BT 273.95 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 291.61 605.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 317.93 605.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 351.25 605.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 584.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.99 584.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.63 584.70 Td (was ) Tj ET Q q 0 0 0 rg BT 172.30 584.70 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 196.30 584.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 233.63 584.70 Td (up ) Tj ET Q q 0 0 0 rg BT 248.63 584.70 Td ($26 ) Tj ET Q q 0 0 0 rg BT 269.63 584.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 310.30 584.70 Td (or ) Tj ET Q q 0 0 0 rg BT 323.30 584.70 Td (1% ) Tj ET Q q 0 0 0 rg BT 342.29 584.70 Td (from ) Tj ET Q q 0 0 0 rg BT 368.62 584.70 Td (the ) Tj ET Q q 0 0 0 rg BT 386.28 584.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 412.61 584.70 Td (year) Tj ET Q q 0 0 0 rg BT 432.59 584.70 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 549.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 549.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 549.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 549.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 549.90 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 540.94 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 540.94 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 540.94 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 540.94 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 540.94 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 540.94 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 540.94 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 540.94 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 540.94 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 540.94 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 518.51 cm /I38 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 521.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 521.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 521.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 521.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 521.10 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 521.10 Td (23% ) Tj ET Q q 0 0 0 rg BT 234.31 521.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 521.10 Td ($19.0 ) Tj ET Q q 0 0 0 rg BT 279.31 521.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.65 521.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 521.10 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 521.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 521.10 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 504.11 cm /I39 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 506.70 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.48 506.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 150.27 506.70 Td (card ) Tj ET Q q 0 0 0 rg BT 174.39 506.70 Td (issuer ) Tj ET Q q 0 0 0 rg BT 205.87 506.70 Td (in ) Tj ET Q q 0 0 0 rg BT 218.68 506.70 Td (the ) Tj ET Q q 0 0 0 rg BT 236.81 506.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 261.63 506.70 Td (based ) Tj ET Q q 0 0 0 rg BT 292.43 506.70 Td (on ) Tj ET Q q 0 0 0 rg BT 307.90 506.70 Td (outstandings) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 368.57 512.14 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 372.47 506.70 Td (; ) Tj ET Q q 0 0 0 rg BT 379.28 506.70 Td (#1 ) Tj ET Q q 0 0 0 rg BT 394.76 506.70 Td (global ) Tj ET Q q 0 0 0 rg BT 427.97 506.70 Td (V) Tj ET Q q 0 0 0 rg BT 435.92 506.70 Td (isa ) Tj ET Q q 0 0 0 rg BT 452.73 506.70 Td (issuer ) Tj ET Q q 0 0 0 rg BT 484.20 506.70 Td (based ) Tj ET Q q 0 0 0 rg BT 515.00 506.70 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 492.30 Td (consumer ) Tj ET Q q 0 0 0 rg BT 153.65 492.30 Td (and ) Tj ET Q q 0 0 0 rg BT 173.98 492.30 Td (business ) Tj ET Q q 0 0 0 rg BT 217.65 492.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 247.96 492.30 Td (card ) Tj ET Q q 0 0 0 rg BT 271.61 492.30 Td (sales ) Tj ET Q q 0 0 0 rg BT 297.94 492.30 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 333.93 497.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 337.83 492.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 475.31 cm /I40 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 477.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 160.14 477.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 193.61 477.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 220.42 477.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 244.57 477.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 289.36 477.90 Td (were ) Tj ET Q q 0 0 0 rg BT 316.16 477.90 Td ($121.8 ) Tj ET Q q 0 0 0 rg BT 352.64 477.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 390.46 477.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 409.93 477.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 460.72 477.90 Td (with ) Tj ET Q q 0 0 0 rg BT 485.54 477.90 Td (the ) Tj ET Q q 0 0 0 rg BT 503.69 477.90 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 463.50 Td (year ) Tj ET Q q 0 0 0 rg BT 126.73 463.50 Td (and ) Tj ET Q q 0 0 0 rg BT 146.14 463.50 Td (down ) Tj ET Q q 0 0 0 rg BT 174.89 463.50 Td (5% ) Tj ET Q q 0 0 0 rg BT 192.97 463.50 Td (from ) Tj ET Q q 0 0 0 rg BT 218.39 463.50 Td (the ) Tj ET Q q 0 0 0 rg BT 235.13 463.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 260.54 463.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 294.04 463.50 Td (, ) Tj ET Q q 0 0 0 rg BT 299.12 463.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 347.18 463.50 Td (seasonality) Tj ET Q q 0 0 0 rg BT 399.72 463.50 Td (. ) Tj ET Q q 0 0 0 rg BT 404.81 463.50 Td (Credit ) Tj ET Q q 0 0 0 rg BT 436.88 463.50 Td (Card ) Tj ET Q q 0 0 0 rg BT 462.29 463.50 Td (average ) Tj ET Q q 0 0 0 rg BT 501.68 463.50 Td (loans ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 449.10 Td (were ) Tj ET Q q 0 0 0 rg BT 129.35 449.10 Td ($123.3billion, ) Tj ET Q q 0 0 0 rg BT 201.72 449.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 219.74 449.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 269.08 449.10 Td (with ) Tj ET Q q 0 0 0 rg BT 292.45 449.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.14 449.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 334.50 449.10 Td (year ) Tj ET Q q 0 0 0 rg BT 357.18 449.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.54 449.10 Td (down ) Tj ET Q q 0 0 0 rg BT 405.24 449.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 423.27 449.10 Td (from ) Tj ET Q q 0 0 0 rg BT 448.63 449.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.32 449.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.68 449.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 524.00 449.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 432.11 cm /I41 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 434.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 130.34 434.70 Td (Services ) Tj ET Q q 0 0 0 rg BT 174.00 434.70 Td (net ) Tj ET Q q 0 0 0 rg BT 191.68 434.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.67 434.70 Td (as ) Tj ET Q q 0 0 0 rg BT 245.68 434.70 Td (a ) Tj ET Q q 0 0 0 rg BT 254.01 434.70 Td (percentage ) Tj ET Q q 0 0 0 rg BT 308.99 434.70 Td (of ) Tj ET Q q 0 0 0 rg BT 322.00 434.70 Td (average ) Tj ET Q q 0 0 0 rg BT 362.31 434.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 390.66 434.70 Td (was ) Tj ET Q q 0 0 0 rg BT 412.33 434.70 Td (12.22%, ) Tj ET Q q 0 0 0 rg BT 455.34 434.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 505.66 434.70 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 420.30 Td (12.83% ) Tj ET Q q 0 0 0 rg BT 144.00 420.30 Td (in ) Tj ET Q q 0 0 0 rg BT 156.33 420.30 Td (the ) Tj ET Q q 0 0 0 rg BT 173.99 420.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.32 420.30 Td (year ) Tj ET Q q 0 0 0 rg BT 223.96 420.30 Td (and ) Tj ET Q q 0 0 0 rg BT 244.29 420.30 Td (12.34% ) Tj ET Q q 0 0 0 rg BT 284.29 420.30 Td (in ) Tj ET Q q 0 0 0 rg BT 296.62 420.30 Td (the ) Tj ET Q q 0 0 0 rg BT 314.28 420.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.61 420.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 373.92 420.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 403.31 cm /I42 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 405.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 405.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 405.90 Td (auto ) Tj ET Q q 0 0 0 rg BT 170.41 405.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 198.74 405.90 Td (were ) Tj ET Q q 0 0 0 rg BT 225.06 405.90 Td ($52.7 ) Tj ET Q q 0 0 0 rg BT 255.06 405.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 292.40 405.90 Td (up ) Tj ET Q q 0 0 0 rg BT 307.40 405.90 Td (5% ) Tj ET Q q 0 0 0 rg BT 326.40 405.90 Td (from ) Tj ET Q q 0 0 0 rg BT 352.73 405.90 Td (the ) Tj ET Q q 0 0 0 rg BT 370.39 405.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 396.72 405.90 Td (year ) Tj ET Q q 0 0 0 rg BT 420.37 405.90 Td (and ) Tj ET Q q 0 0 0 rg BT 440.69 405.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 459.69 405.90 Td (from ) Tj ET Q q 0 0 0 rg BT 486.02 405.90 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 405.90 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 391.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 391.50 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 362.70 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 362.70 Td (TE ) Tj ET Q q 0 0 0 rg BT 124.35 362.70 Td (& ) Tj ET Q q 0 0 0 rg BT 136.68 362.70 Td (INVESTMENT ) Tj ET Q q 0 0 0 rg BT 217.70 362.70 Td (BANK ) Tj ET Q q 0 0 0 rg BT 253.38 362.70 Td (\(CIB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 352.20000000000005 m 50.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 352.20000000000005 m 231.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 352.20000000000005 m 231.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 352.20000000000005 m 276.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 352.20000000000005 m 280.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 352.20000000000005 m 280.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 352.20000000000005 m 325.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 352.20000000000005 m 329.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 352.20000000000005 m 329.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 352.20000000000005 m 374.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 352.20000000000005 m 378.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 352.20000000000005 m 378.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 352.20000000000005 m 423.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 337.20000000000005 m 423.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 352.20000000000005 m 468.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 337.20000000000005 m 468.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 352.20000000000005 m 472.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 337.20000000000005 m 472.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 352.20000000000005 m 472.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 352.20000000000005 m 517.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 337.20000000000005 m 517.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 352.20000000000005 m 562.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 352.20000000000005 m 562.5 352.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 337.20000000000005 m 562.5 337.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 337.20000000000005 m 50.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 322.20000000000005 m 231.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 337.20000000000005 m 231.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 322.20000000000005 m 276.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 322.20000000000005 m 280.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 337.20000000000005 m 280.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 322.20000000000005 m 325.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 322.20000000000005 m 329.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 337.20000000000005 m 329.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 322.20000000000005 m 374.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 322.20000000000005 m 378.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 337.20000000000005 m 378.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 322.20000000000005 m 423.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 337.20000000000005 m 423.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 322.20000000000005 m 468.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 322.20000000000005 m 472.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 337.20000000000005 m 472.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 322.20000000000005 m 517.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 337.20000000000005 m 517.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 337.20000000000005 m 562.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 322.20000000000005 m 562.5 322.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 322.20000000000005 m 50.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 307.20000000000005 m 231.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 322.20000000000005 m 231.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 307.20000000000005 m 276.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 307.20000000000005 m 280.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 322.20000000000005 m 280.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 307.20000000000005 m 325.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 307.20000000000005 m 329.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 322.20000000000005 m 329.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 307.20000000000005 m 374.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 307.20000000000005 m 378.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 322.20000000000005 m 378.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 307.20000000000005 m 423.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 322.20000000000005 m 423.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 322.20000000000005 m 472.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 307.20000000000005 m 517.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 322.20000000000005 m 517.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 322.20000000000005 m 562.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 307.20000000000005 m 562.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 307.20000000000005 m 50.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 292.20000000000005 m 231.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 307.20000000000005 m 231.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 292.20000000000005 m 276.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 292.20000000000005 m 280.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 307.20000000000005 m 280.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 292.20000000000005 m 325.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 292.20000000000005 m 329.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 307.20000000000005 m 329.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 292.20000000000005 m 374.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 292.20000000000005 m 378.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 307.20000000000005 m 378.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 292.20000000000005 m 423.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 307.20000000000005 m 423.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 307.20000000000005 m 468.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 292.20000000000005 m 468.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 307.20000000000005 m 472.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 307.20000000000005 m 472.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 292.20000000000005 m 472.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 307.20000000000005 m 517.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 307.20000000000005 m 517.5 307.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 292.20000000000005 m 517.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 307.20000000000005 m 517.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 307.20000000000005 m 562.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 292.20000000000005 m 562.5 292.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 292.20000000000005 m 50.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 277.20000000000005 m 231.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 292.20000000000005 m 231.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 277.20000000000005 m 276.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 277.20000000000005 m 280.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 292.20000000000005 m 280.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 277.20000000000005 m 325.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 277.20000000000005 m 329.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 292.20000000000005 m 329.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 277.20000000000005 m 374.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 277.20000000000005 m 378.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 292.20000000000005 m 378.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 277.20000000000005 m 423.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 292.20000000000005 m 423.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 277.20000000000005 m 468.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 277.20000000000005 m 472.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 292.20000000000005 m 472.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 277.20000000000005 m 517.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 292.20000000000005 m 517.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 292.20000000000005 m 562.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 277.20000000000005 m 562.5 277.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 277.20000000000005 m 50.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 262.20000000000005 m 231.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 277.20000000000005 m 231.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 262.20000000000005 m 276.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 262.20000000000005 m 280.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 277.20000000000005 m 280.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 262.20000000000005 m 325.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 262.20000000000005 m 329.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 277.20000000000005 m 329.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 262.20000000000005 m 374.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 262.20000000000005 m 378.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 277.20000000000005 m 378.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 262.20000000000005 m 423.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 277.20000000000005 m 423.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 262.20000000000005 m 468.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 262.20000000000005 m 472.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 277.20000000000005 m 472.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 262.20000000000005 m 517.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 277.20000000000005 m 517.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 277.20000000000005 m 562.5 262.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 262.20000000000005 m 562.5 262.20000000000005 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 342.07 Td (Results for CIB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 342.07 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 342.07 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 327.07 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 327.07 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 327.07 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 327.07 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 327.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 327.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 327.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 327.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 312.07 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 312.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 312.07 Td (8,606) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 312.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 312.07 Td (6,020) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 312.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 312.07 Td (10,140) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 312.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 394.50 312.07 Td (2,586) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 312.07 Td (43) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 312.07 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 312.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 484.85 312.07 Td (\(1,534) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 312.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 312.07 Td (\(15) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 312.07 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 297.07 Td (ProvisionforCreditLosses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 261.25 297.07 Td (49) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 306.60 297.07 Td (\(19) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 297.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 297.07 Td (11) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 297.07 Td (68) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 297.07 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 297.07 Td (38) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 532.60 297.07 Td (345) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 282.07 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 282.07 Td (5,604) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 282.07 Td (4,892) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 282.07 Td (6,111) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 282.07 Td (712) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 282.07 Td (15) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 282.07 Td (\(507) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 282.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 282.07 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 282.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 267.07 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 267.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 267.07 Td (1,979) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 267.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 267.07 Td (858) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 267.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 267.07 Td (2,610) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 267.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 394.50 267.07 Td (1,121) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 442.30 267.07 Td (131) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 267.07 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 267.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 267.07 Td (\(631) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 267.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 267.07 Td (\(24) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 267.07 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 241.80 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 213.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.70 213.00 Td (income ) Tj ET Q q 0 0 0 rg BT 107.39 213.00 Td (was ) Tj ET Q q 0 0 0 rg BT 128.42 213.00 Td ($2.0billion, ) Tj ET Q q 0 0 0 rg BT 189.13 213.00 Td (down ) Tj ET Q q 0 0 0 rg BT 218.17 213.00 Td (24% ) Tj ET Q q 0 0 0 rg BT 242.54 213.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 292.22 213.00 Td (with ) Tj ET Q q 0 0 0 rg BT 315.92 213.00 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 339.29 213.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 373.00 213.00 Td (in ) Tj ET Q q 0 0 0 rg BT 384.71 213.00 Td (the ) Tj ET Q q 0 0 0 rg BT 401.74 213.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 427.44 213.00 Td (year) Tj ET Q q 0 0 0 rg BT 447.42 213.00 Td (. ) Tj ET Q q 0 0 0 rg BT 452.62 213.00 Td (These ) Tj ET Q q 0 0 0 rg BT 483.65 213.00 Td (results ) Tj ET Q q 0 0 0 rg BT 517.35 213.00 Td (primarily ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 198.60 Td (reflected ) Tj ET Q q 0 0 0 rg BT 95.14 198.60 Td (lower ) Tj ET Q q 0 0 0 rg BT 125.63 198.60 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 169.78 198.60 Td (partially ) Tj ET Q q 0 0 0 rg BT 212.93 198.60 Td (of) Tj ET Q q 0 0 0 rg BT 222.71 198.60 Td (fset ) Tj ET Q q 0 0 0 rg BT 243.21 198.60 Td (by ) Tj ET Q q 0 0 0 rg BT 258.38 198.60 Td (lower ) Tj ET Q q 0 0 0 rg BT 288.87 198.60 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 345.37 198.60 Td (expense. ) Tj ET Q q 0 0 0 rg BT 390.19 198.60 Td (Net ) Tj ET Q q 0 0 0 rg BT 410.68 198.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 451.83 198.60 Td (was ) Tj ET Q q 0 0 0 rg BT 473.66 198.60 Td ($8.6 ) Tj ET Q q 0 0 0 rg BT 497.83 198.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 535.34 198.60 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 184.20 Td (15% ) Tj ET Q q 0 0 0 rg BT 75.71 184.20 Td (compared ) Tj ET Q q 0 0 0 rg BT 126.74 184.20 Td (with ) Tj ET Q q 0 0 0 rg BT 151.79 184.20 Td ($10.1 ) Tj ET Q q 0 0 0 rg BT 182.50 184.20 Td (billion ) Tj ET Q q 0 0 0 rg BT 217.56 184.20 Td (in ) Tj ET Q q 0 0 0 rg BT 230.61 184.20 Td (the ) Tj ET Q q 0 0 0 rg BT 248.98 184.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 276.03 184.20 Td (year) Tj ET Q q 0 0 0 rg BT 296.01 184.20 Td (. ) Tj ET Q q 0 0 0 rg BT 302.73 184.20 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 355.77 184.20 Td (the ) Tj ET Q q 0 0 0 rg BT 374.15 184.20 Td (impact ) Tj ET Q q 0 0 0 rg BT 410.52 184.20 Td (of ) Tj ET Q q 0 0 0 rg BT 424.23 184.20 Td (a ) Tj ET Q q 0 0 0 rg BT 433.27 184.20 Td (debit ) Tj ET Q q 0 0 0 rg BT 460.98 184.20 Td (valuation ) Tj ET Q q 0 0 0 rg BT 509.35 184.20 Td (adjustment ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 169.80 Td (\(DV) Tj ET Q q 0 0 0 rg BT 75.11 169.80 Td (A\) ) Tj ET Q q 0 0 0 rg BT 96.26 169.80 Td (gain ) Tj ET Q q 0 0 0 rg BT 120.09 169.80 Td (of ) Tj ET Q q 0 0 0 rg BT 133.25 169.80 Td ($126 ) Tj ET Q q 0 0 0 rg BT 160.41 169.80 Td (million ) Tj ET Q q 0 0 0 rg BT 198.25 169.80 Td (in ) Tj ET Q q 0 0 0 rg BT 210.75 169.80 Td (the ) Tj ET Q q 0 0 0 rg BT 228.57 169.80 Td (prior ) Tj ET Q q 0 0 0 rg BT 255.07 169.80 Td (year) Tj ET Q q 0 0 0 rg BT 275.23 169.80 Td (, ) Tj ET Q q 0 0 0 rg BT 281.40 169.80 Td (net ) Tj ET Q q 0 0 0 rg BT 299.23 169.80 Td (revenue ) Tj ET Q q 0 0 0 rg BT 340.37 169.80 Td (was ) Tj ET Q q 0 0 0 rg BT 362.19 169.80 Td (down ) Tj ET Q q 0 0 0 rg BT 392.02 169.80 Td (14% ) Tj ET Q q 0 0 0 rg BT 417.19 169.80 Td (from ) Tj ET Q q 0 0 0 rg BT 443.68 169.80 Td ($10.0 ) Tj ET Q q 0 0 0 rg BT 473.84 169.80 Td (billion ) Tj ET Q q 0 0 0 rg BT 508.35 169.80 Td (in ) Tj ET Q q 0 0 0 rg BT 520.84 169.80 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 169.80 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 155.40 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 155.40 Td (, ) Tj ET Q q 0 0 0 rg BT 76.17 155.40 Td (and ) Tj ET Q q 0 0 0 rg BT 96.49 155.40 Td (net ) Tj ET Q q 0 0 0 rg BT 114.15 155.40 Td (income ) Tj ET Q q 0 0 0 rg BT 152.47 155.40 Td (was ) Tj ET Q q 0 0 0 rg BT 174.14 155.40 Td (down ) Tj ET Q q 0 0 0 rg BT 203.80 155.40 Td (22% ) Tj ET Q q 0 0 0 rg BT 228.80 155.40 Td (from ) Tj ET Q q 0 0 0 rg BT 255.13 155.40 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 279.13 155.40 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.46 155.40 Td (in ) Tj ET Q q 0 0 0 rg BT 325.79 155.40 Td (the ) Tj ET Q q 0 0 0 rg BT 343.46 155.40 Td (prior ) Tj ET Q q 0 0 0 rg BT 369.78 155.40 Td (year) Tj ET Q q 0 0 0 rg BT 389.77 155.40 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 135.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 93.32 135.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 133.95 135.00 Td (was ) Tj ET Q q 0 0 0 rg BT 155.26 135.00 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 178.92 135.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 215.91 135.00 Td (down ) Tj ET Q q 0 0 0 rg BT 245.23 135.00 Td (8% ) Tj ET Q q 0 0 0 rg BT 263.88 135.00 Td (from ) Tj ET Q q 0 0 0 rg BT 289.86 135.00 Td (the ) Tj ET Q q 0 0 0 rg BT 307.17 135.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 333.15 135.00 Td (year) Tj ET Q q 0 0 0 rg BT 353.14 135.00 Td (. ) Tj ET Q q 0 0 0 rg BT 358.79 135.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 414.77 135.00 Td (banking ) Tj ET Q q 0 0 0 rg BT 456.08 135.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 478.06 135.00 Td (were ) Tj ET Q q 0 0 0 rg BT 504.03 135.00 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 527.68 135.00 Td (billion, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 120.60 Td (up ) Tj ET Q q 0 0 0 rg BT 65.19 120.60 Td (1% ) Tj ET Q q 0 0 0 rg BT 84.37 120.60 Td (from ) Tj ET Q q 0 0 0 rg BT 110.88 120.60 Td (the ) Tj ET Q q 0 0 0 rg BT 128.73 120.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 155.25 120.60 Td (year) Tj ET Q q 0 0 0 rg BT 175.23 120.60 Td (. ) Tj ET Q q 0 0 0 rg BT 181.19 120.60 Td (The ) Tj ET Q q 0 0 0 rg BT 203.03 120.60 Td (increase ) Tj ET Q q 0 0 0 rg BT 245.53 120.60 Td (was ) Tj ET Q q 0 0 0 rg BT 267.38 120.60 Td (driven ) Tj ET Q q 0 0 0 rg BT 301.22 120.60 Td (by ) Tj ET Q q 0 0 0 rg BT 316.41 120.60 Td (higher ) Tj ET Q q 0 0 0 rg BT 350.25 120.60 Td (advisory ) Tj ET Q q 0 0 0 rg BT 394.76 120.60 Td (fees ) Tj ET Q q 0 0 0 rg BT 417.27 120.60 Td (of ) Tj ET Q q 0 0 0 rg BT 430.45 120.60 Td ($383million, ) Tj ET Q q 0 0 0 rg BT 498.31 120.60 Td (up ) Tj ET Q q 0 0 0 rg BT 513.50 120.60 Td (50% ) Tj ET Q q 0 0 0 rg BT 538.68 120.60 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 106.20 Td (the ) Tj ET Q q 0 0 0 rg BT 68.02 106.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 94.72 106.20 Td (year ) Tj ET Q q 0 0 0 rg BT 118.73 106.20 Td (on ) Tj ET Q q 0 0 0 rg BT 134.09 106.20 Td (strong ) Tj ET Q q 0 0 0 rg BT 167.46 106.20 Td (wallet ) Tj ET Q q 0 0 0 rg BT 200.14 106.20 Td (share ) Tj ET Q q 0 0 0 rg BT 228.83 106.20 Td (of ) Tj ET Q q 0 0 0 rg BT 242.19 106.20 Td (completed ) Tj ET Q q 0 0 0 rg BT 295.53 106.20 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 359.21 106.20 Td (as ) Tj ET Q q 0 0 0 rg BT 372.57 106.20 Td (well ) Tj ET Q q 0 0 0 rg BT 396.60 106.20 Td (as ) Tj ET Q q 0 0 0 rg BT 409.96 106.20 Td (higher ) Tj ET Q q 0 0 0 rg BT 443.98 106.20 Td (equity ) Tj ET Q q 0 0 0 rg BT 477.34 106.20 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 542.69 106.20 Td (fees ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 91.80 Td (of ) Tj ET Q q 0 0 0 rg BT 62.11 91.80 Td ($353 ) Tj ET Q q 0 0 0 rg BT 88.21 91.80 Td (million, ) Tj ET Q q 0 0 0 rg BT 127.99 91.80 Td (up ) Tj ET Q q 0 0 0 rg BT 142.10 91.80 Td (29% ) Tj ET Q q 0 0 0 rg BT 166.21 91.80 Td (from ) Tj ET Q q 0 0 0 rg BT 191.64 91.80 Td (the ) Tj ET Q q 0 0 0 rg BT 208.41 91.80 Td (prior ) Tj ET Q q 0 0 0 rg BT 233.85 91.80 Td (year ) Tj ET Q q 0 0 0 rg BT 256.61 91.80 Td (on ) Tj ET Q q 0 0 0 rg BT 270.72 91.80 Td (higher ) Tj ET Q q 0 0 0 rg BT 303.48 91.80 Td (industry-wide ) Tj ET Q q 0 0 0 rg BT 372.25 91.80 Td (wallet ) Tj ET Q q 0 0 0 rg BT 403.68 91.80 Td (levels. ) Tj ET Q q 0 0 0 rg BT 436.63 91.80 Td (These ) Tj ET Q q 0 0 0 rg BT 467.39 91.80 Td (were ) Tj ET Q q 0 0 0 rg BT 492.81 91.80 Td (partially ) Tj ET Q q 0 0 0 rg BT 534.90 91.80 Td (of) Tj ET Q q 0 0 0 rg BT 544.68 91.80 Td (fset ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 77.40 Td (by ) Tj ET Q q 0 0 0 rg BT 65.24 77.40 Td (lower ) Tj ET Q q 0 0 0 rg BT 95.80 77.40 Td (debt ) Tj ET Q q 0 0 0 rg BT 119.69 77.40 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 184.92 77.40 Td (fees ) Tj ET Q q 0 0 0 rg BT 207.47 77.40 Td (of ) Tj ET Q q 0 0 0 rg BT 220.71 77.40 Td ($708 ) Tj ET Q q 0 0 0 rg BT 247.94 77.40 Td (million, ) Tj ET Q q 0 0 0 rg BT 288.85 77.40 Td (down ) Tj ET Q q 0 0 0 rg BT 318.75 77.40 Td (22% ) Tj ET Q q 0 0 0 rg BT 343.99 77.40 Td (from ) Tj ET Q q 0 0 0 rg BT 370.55 77.40 Td (the ) Tj ET Q q 0 0 0 rg BT 388.45 77.40 Td (prior ) Tj ET Q q 0 0 0 rg BT 415.01 77.40 Td (year ) Tj ET Q q 0 0 0 rg BT 438.90 77.40 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 488.11 77.40 Td (lower ) Tj ET Q q 0 0 0 rg BT 518.67 77.40 Td (industry-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 63.00 Td (wide ) Tj ET Q q 0 0 0 rg BT 76.51 63.00 Td (volumes ) Tj ET Q q 0 0 0 rg BT 120.37 63.00 Td (of ) Tj ET Q q 0 0 0 rg BT 133.55 63.00 Td (high-yield ) Tj ET Q q 0 0 0 rg BT 186.06 63.00 Td (bond ) Tj ET Q q 0 0 0 rg BT 213.25 63.00 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 278.42 63.00 Td (and ) Tj ET Q q 0 0 0 rg BT 298.94 63.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 322.78 63.00 Td (syndications. ) Tj ET Q q 0 0 0 rg BT 388.73 63.00 Td (T) Tj ET Q q 0 0 0 rg BT 395.64 63.00 Td (reasury ) Tj ET Q q 0 0 0 rg BT 434.14 63.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 477.98 63.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 519.15 63.00 Td (was ) Tj ET Q q 0 0 0 rg BT 541.00 63.00 Td ($1.0 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 48.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 87.25 48.60 Td (down ) Tj ET Q q 0 0 0 rg BT 116.84 48.60 Td (3% ) Tj ET Q q 0 0 0 rg BT 135.75 48.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 185.98 48.60 Td (with ) Tj ET Q q 0 0 0 rg BT 210.23 48.60 Td (the ) Tj ET Q q 0 0 0 rg BT 227.81 48.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 254.05 48.60 Td (year ) Tj ET Q q 0 0 0 rg BT 277.62 48.60 Td (driven ) Tj ET Q q 0 0 0 rg BT 311.19 48.60 Td (by ) Tj ET Q q 0 0 0 rg BT 326.11 48.60 Td (lower ) Tj ET Q q 0 0 0 rg BT 356.35 48.60 Td (trade ) Tj ET Q q 0 0 0 rg BT 383.25 48.60 Td (finance ) Tj ET Q q 0 0 0 rg BT 421.48 48.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 462.37 48.60 Td (as ) Tj ET Q q 0 0 0 rg BT 475.29 48.60 Td (well ) Tj ET Q q 0 0 0 rg BT 498.86 48.60 Td (as ) Tj ET Q q 0 0 0 rg BT 511.78 48.60 Td (the ) Tj ET Q q 0 0 0 rg BT 529.36 48.60 Td (impact ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 62.65 740.70 Td (business ) Tj ET Q q 0 0 0 rg BT 105.97 740.70 Td (simplification ) Tj ET Q q 0 0 0 rg BT 175.27 740.70 Td (initiatives. ) Tj ET Q q 0 0 0 rg BT 228.25 740.70 Td (Lending ) Tj ET Q q 0 0 0 rg BT 270.89 740.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 311.51 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 332.82 740.70 Td ($284million, ) Tj ET Q q 0 0 0 rg BT 400.14 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 408.12 740.70 Td (decline ) Tj ET Q q 0 0 0 rg BT 445.42 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 471.39 740.70 Td ($498 ) Tj ET Q q 0 0 0 rg BT 498.04 740.70 Td (million ) Tj ET Q q 0 0 0 rg BT 535.36 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 740.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.33 726.30 Td (year ) Tj ET Q q 0 0 0 rg BT 99.97 726.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 147.63 726.30 Td (due ) Tj ET Q q 0 0 0 rg BT 167.96 726.30 Td (to ) Tj ET Q q 0 0 0 rg BT 180.29 726.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 210.61 726.30 Td (gains ) Tj ET Q q 0 0 0 rg BT 238.94 726.30 Td (on ) Tj ET Q q 0 0 0 rg BT 253.94 726.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 302.26 726.30 Td (received ) Tj ET Q q 0 0 0 rg BT 345.89 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 372.22 726.30 Td (restructured ) Tj ET Q q 0 0 0 rg BT 432.52 726.30 Td (loans.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 705.90 Td (Markets ) Tj ET Q q 0 0 0 rg BT 91.56 705.90 Td (& ) Tj ET Q q 0 0 0 rg BT 103.13 705.90 Td (Investor ) Tj ET Q q 0 0 0 rg BT 144.69 705.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 187.58 705.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 227.80 705.90 Td (was ) Tj ET Q q 0 0 0 rg BT 248.70 705.90 Td ($5.9 ) Tj ET Q q 0 0 0 rg BT 271.94 705.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 308.51 705.90 Td (down ) Tj ET Q q 0 0 0 rg BT 337.41 705.90 Td (18% ) Tj ET Q q 0 0 0 rg BT 361.65 705.90 Td (from ) Tj ET Q q 0 0 0 rg BT 387.21 705.90 Td (the ) Tj ET Q q 0 0 0 rg BT 404.11 705.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 429.68 705.90 Td (year) Tj ET Q q 0 0 0 rg BT 449.66 705.90 Td (. ) Tj ET Q q 0 0 0 rg BT 454.90 705.90 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 484.47 705.90 Td (Income ) Tj ET Q q 0 0 0 rg BT 522.69 705.90 Td (Markets ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 691.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 90.51 691.50 Td (of ) Tj ET Q q 0 0 0 rg BT 103.05 691.50 Td ($3.8 ) Tj ET Q q 0 0 0 rg BT 126.59 691.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 160.47 691.50 Td (was ) Tj ET Q q 0 0 0 rg BT 181.67 691.50 Td (down ) Tj ET Q q 0 0 0 rg BT 210.88 691.50 Td (21% ) Tj ET Q q 0 0 0 rg BT 235.41 691.50 Td (from ) Tj ET Q q 0 0 0 rg BT 261.28 691.50 Td (the ) Tj ET Q q 0 0 0 rg BT 278.48 691.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 304.34 691.50 Td (year ) Tj ET Q q 0 0 0 rg BT 327.53 691.50 Td (on ) Tj ET Q q 0 0 0 rg BT 342.07 691.50 Td (weaker ) Tj ET Q q 0 0 0 rg BT 379.25 691.50 Td (performance ) Tj ET Q q 0 0 0 rg BT 442.42 691.50 Td (across ) Tj ET Q q 0 0 0 rg BT 474.95 691.50 Td (most ) Tj ET Q q 0 0 0 rg BT 500.83 691.50 Td (products ) Tj ET Q q 0 0 0 rg BT 544.69 691.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.04 677.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 110.74 677.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.46 677.10 Td (client ) Tj ET Q q 0 0 0 rg BT 152.83 677.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 191.53 677.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 241.55 677.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.60 677.10 Td (a ) Tj ET Q q 0 0 0 rg BT 261.65 677.10 Td (stronger ) Tj ET Q q 0 0 0 rg BT 303.68 677.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 329.73 677.10 Td (year) Tj ET Q q 0 0 0 rg BT 349.71 677.10 Td (. ) Tj ET Q q 0 0 0 rg BT 355.43 677.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 390.14 677.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 432.18 677.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 472.87 677.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.58 677.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 509.30 677.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 543.35 677.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 662.70 Td (down ) Tj ET Q q 0 0 0 rg BT 79.40 662.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 98.13 662.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 148.17 662.70 Td (with ) Tj ET Q q 0 0 0 rg BT 172.24 662.70 Td (the ) Tj ET Q q 0 0 0 rg BT 189.63 662.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 215.69 662.70 Td (year) Tj ET Q q 0 0 0 rg BT 235.86 662.70 Td (, ) Tj ET Q q 0 0 0 rg BT 241.59 662.70 Td (on ) Tj ET Q q 0 0 0 rg BT 256.33 662.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 286.38 662.70 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 341.76 662.70 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 385.47 662.70 Td (Securities ) Tj ET Q q 0 0 0 rg BT 435.52 662.70 Td (Services ) Tj ET Q q 0 0 0 rg BT 478.91 662.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 519.62 662.70 Td (was ) Tj ET Q q 0 0 0 rg BT 541.01 662.70 Td ($1.0 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 648.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 88.17 648.30 Td (up ) Tj ET Q q 0 0 0 rg BT 104.00 648.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 123.82 648.30 Td (from ) Tj ET Q q 0 0 0 rg BT 150.98 648.30 Td (the ) Tj ET Q q 0 0 0 rg BT 169.47 648.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 196.63 648.30 Td (year ) Tj ET Q q 0 0 0 rg BT 221.11 648.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 269.59 648.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 304.08 648.30 Td (by ) Tj ET Q q 0 0 0 rg BT 319.91 648.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 354.40 648.30 Td (net ) Tj ET Q q 0 0 0 rg BT 372.89 648.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 412.04 648.30 Td (income ) Tj ET Q q 0 0 0 rg BT 451.19 648.30 Td (on ) Tj ET Q q 0 0 0 rg BT 467.02 648.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 501.51 648.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 544.67 648.30 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 633.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.68 633.90 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 141.36 633.90 Td (custody ) Tj ET Q q 0 0 0 rg BT 181.71 633.90 Td (fees. ) Tj ET Q q 0 0 0 rg BT 207.06 633.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 239.41 633.90 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 303.11 633.90 Td (& ) Tj ET Q q 0 0 0 rg BT 315.47 633.90 Td (Other ) Tj ET Q q 0 0 0 rg BT 345.82 633.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 386.82 633.90 Td (was ) Tj ET Q q 0 0 0 rg BT 408.51 633.90 Td (a ) Tj ET Q q 0 0 0 rg BT 416.87 633.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 438.57 633.90 Td (of ) Tj ET Q q 0 0 0 rg BT 451.59 633.90 Td ($197 ) Tj ET Q q 0 0 0 rg BT 478.62 633.90 Td (million ) Tj ET Q q 0 0 0 rg BT 516.32 633.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.00 633.90 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 619.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 80.30 619.50 Td (on ) Tj ET Q q 0 0 0 rg BT 93.93 619.50 Td (net ) Tj ET Q q 0 0 0 rg BT 110.22 619.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 139.16 619.50 Td (valuation ) Tj ET Q q 0 0 0 rg BT 185.45 619.50 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 244.40 619.50 Td (\(CV) Tj ET Q q 0 0 0 rg BT 268.85 619.50 Td (A\) ) Tj ET Q q 0 0 0 rg BT 288.46 619.50 Td (as ) Tj ET Q q 0 0 0 rg BT 300.09 619.50 Td (well ) Tj ET Q q 0 0 0 rg BT 322.38 619.50 Td (as ) Tj ET Q q 0 0 0 rg BT 334.00 619.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 367.30 619.50 Td (net ) Tj ET Q q 0 0 0 rg BT 383.59 619.50 Td (of ) Tj ET Q q 0 0 0 rg BT 395.22 619.50 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 433.17 619.50 Td (related ) Tj ET Q q 0 0 0 rg BT 467.44 619.50 Td (to ) Tj ET Q q 0 0 0 rg BT 478.40 619.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 517.36 619.50 Td (valuation ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (adjustments/DV) Tj ET Q q 0 0 0 rg BT 126.45 605.10 Td (A; ) Tj ET Q q 0 0 0 rg BT 141.45 605.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 167.77 605.10 Td (year ) Tj ET Q q 0 0 0 rg BT 191.42 605.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.40 605.10 Td (was ) Tj ET Q q 0 0 0 rg BT 254.06 605.10 Td (a ) Tj ET Q q 0 0 0 rg BT 262.38 605.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 286.04 605.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.04 605.10 Td ($99 ) Tj ET Q q 0 0 0 rg BT 320.04 605.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 360.71 605.10 Td (mainly ) Tj ET Q q 0 0 0 rg BT 397.04 605.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 430.70 605.10 Td (by ) Tj ET Q q 0 0 0 rg BT 445.70 605.10 Td (DV) Tj ET Q q 0 0 0 rg BT 461.48 605.10 Td (A.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 584.70 Td (The ) Tj ET Q q 0 0 0 rg BT 72.11 584.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.90 584.70 Td (for ) Tj ET Q q 0 0 0 rg BT 138.34 584.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 169.11 584.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 201.23 584.70 Td (was ) Tj ET Q q 0 0 0 rg BT 223.35 584.70 Td ($49 ) Tj ET Q q 0 0 0 rg BT 244.80 584.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 285.92 584.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 336.68 584.70 Td (with ) Tj ET Q q 0 0 0 rg BT 361.47 584.70 Td ($1) Tj ET Q q 0 0 0 rg BT 373.02 584.70 Td (1 ) Tj ET Q q 0 0 0 rg BT 382.48 584.70 Td (million ) Tj ET Q q 0 0 0 rg BT 420.60 584.70 Td (in ) Tj ET Q q 0 0 0 rg BT 433.39 584.70 Td (the ) Tj ET Q q 0 0 0 rg BT 451.50 584.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 478.28 584.70 Td (year) Tj ET Q q 0 0 0 rg BT 498.26 584.70 Td (. ) Tj ET Q q 0 0 0 rg BT 504.47 584.70 Td (The ) Tj ET Q q 0 0 0 rg BT 526.58 584.70 Td (ratio ) Tj ET Q q 0 0 0 rg BT 552.02 584.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 570.30 Td (the ) Tj ET Q q 0 0 0 rg BT 66.89 570.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 117.76 570.30 Td (for ) Tj ET Q q 0 0 0 rg BT 133.99 570.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 156.88 570.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 187.78 570.30 Td (to ) Tj ET Q q 0 0 0 rg BT 199.35 570.30 Td (period-end ) Tj ET Q q 0 0 0 rg BT 253.56 570.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 281.12 570.30 Td (retained ) Tj ET Q q 0 0 0 rg BT 322.00 570.30 Td (was ) Tj ET Q q 0 0 0 rg BT 342.89 570.30 Td (1.23%, ) Tj ET Q q 0 0 0 rg BT 379.12 570.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 428.66 570.30 Td (with ) Tj ET Q q 0 0 0 rg BT 452.23 570.30 Td (1.1) Tj ET Q q 0 0 0 rg BT 466.78 570.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 485.01 570.30 Td (in ) Tj ET Q q 0 0 0 rg BT 496.58 570.30 Td (the ) Tj ET Q q 0 0 0 rg BT 513.47 570.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.03 570.30 Td (year) Tj ET Q q 0 0 0 rg BT 559.02 570.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 555.90 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 101.31 555.90 Td (the ) Tj ET Q q 0 0 0 rg BT 117.95 555.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 152.59 555.90 Td (of ) Tj ET Q q 0 0 0 rg BT 164.57 555.90 Td (the ) Tj ET Q q 0 0 0 rg BT 181.22 555.90 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 247.86 555.90 Td (of ) Tj ET Q q 0 0 0 rg BT 259.84 555.90 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 351.14 555.90 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 408.45 555.90 Td (conduits ) Tj ET Q q 0 0 0 rg BT 451.09 555.90 Td (and ) Tj ET Q q 0 0 0 rg BT 470.41 555.90 Td (trade ) Tj ET Q q 0 0 0 rg BT 496.37 555.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 533.67 555.90 Td (loans, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 541.50 Td (the ) Tj ET Q q 0 0 0 rg BT 67.48 541.50 Td (ratio ) Tj ET Q q 0 0 0 rg BT 92.29 541.50 Td (of ) Tj ET Q q 0 0 0 rg BT 105.10 541.50 Td (the ) Tj ET Q q 0 0 0 rg BT 122.58 541.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 174.04 541.50 Td (for ) Tj ET Q q 0 0 0 rg BT 190.85 541.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 214.33 541.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 245.81 541.50 Td (to ) Tj ET Q q 0 0 0 rg BT 257.97 541.50 Td (period-end ) Tj ET Q q 0 0 0 rg BT 312.76 541.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 340.91 541.50 Td (retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 379.55 546.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 383.45 541.50 Td ( ) Tj ET Q q 0 0 0 rg BT 386.27 541.50 Td (was ) Tj ET Q q 0 0 0 rg BT 407.75 541.50 Td (2.18%, ) Tj ET Q q 0 0 0 rg BT 444.57 541.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 494.69 541.50 Td (with ) Tj ET Q q 0 0 0 rg BT 518.85 541.50 Td (2.17% ) Tj ET Q q 0 0 0 rg BT 552.66 541.50 Td (in ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 67.66 527.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 93.99 527.10 Td (year) Tj ET Q q 0 0 0 rg BT 113.97 527.10 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 506.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.45 506.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.57 506.70 Td (was ) Tj ET Q q 0 0 0 rg BT 170.69 506.70 Td ($5.6 ) Tj ET Q q 0 0 0 rg BT 194.16 506.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 230.96 506.70 Td (down ) Tj ET Q q 0 0 0 rg BT 260.09 506.70 Td (8% ) Tj ET Q q 0 0 0 rg BT 278.55 506.70 Td (from ) Tj ET Q q 0 0 0 rg BT 304.34 506.70 Td (the ) Tj ET Q q 0 0 0 rg BT 321.47 506.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 347.26 506.70 Td (year) Tj ET Q q 0 0 0 rg BT 367.43 506.70 Td (, ) Tj ET Q q 0 0 0 rg BT 372.89 506.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 420.01 506.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 453.14 506.70 Td (by ) Tj ET Q q 0 0 0 rg BT 467.60 506.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 497.39 506.70 Td (performance-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 492.30 Td (based ) Tj ET Q q 0 0 0 rg BT 80.32 492.30 Td (compensation. ) Tj ET Q q 0 0 0 rg BT 152.76 492.30 Td (The ) Tj ET Q q 0 0 0 rg BT 174.41 492.30 Td (compensation ) Tj ET Q q 0 0 0 rg BT 244.06 492.30 Td (ratio) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 266.05 497.74 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 268.00 492.30 Td (was ) Tj ET Q q 0 0 0 rg BT 289.66 492.30 Td (33%.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 459.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 459.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 459.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 459.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 459.90 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 450.94 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 450.94 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 450.94 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 450.94 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 450.94 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 450.94 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 450.94 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 450.94 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 450.94 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 450.94 Td (noted, ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 257.31 450.94 Td (and ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 271.40 450.94 Td (all ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 281.58 450.94 Td (rankings ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 312.14 450.94 Td (are ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 324.49 450.94 Td (according ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 358.50 450.94 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 366.51 450.94 Td (Dealogic\)) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 428.51 cm /I43 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 431.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 431.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 431.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 431.10 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 431.10 Td (13% ) Tj ET Q q 0 0 0 rg BT 234.31 431.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 431.10 Td ($61.0billion ) Tj ET Q q 0 0 0 rg BT 313.65 431.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 431.10 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 431.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 431.10 Td (capital. ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 414.11 cm /I44 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 416.70 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 416.70 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 416.70 Td (was ) Tj ET Q q 0 0 0 rg BT 200.29 416.70 Td (65%. ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 399.71 cm /I45 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 402.30 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 144.77 402.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 160.88 402.30 Td (in ) Tj ET Q q 0 0 0 rg BT 174.32 402.30 Td (Global ) Tj ET Q q 0 0 0 rg BT 211.09 402.30 Td (Investment ) Tj ET Q q 0 0 0 rg BT 268.52 402.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 313.30 402.30 Td (Fees ) Tj ET Q q 0 0 0 rg BT 339.40 402.30 Td (for ) Tj ET Q q 0 0 0 rg BT 357.51 402.30 Td (the ) Tj ET Q q 0 0 0 rg BT 376.28 402.30 Td (three ) Tj ET Q q 0 0 0 rg BT 404.37 402.30 Td (months ) Tj ET Q q 0 0 0 rg BT 443.82 402.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 476.58 402.30 Td (March ) Tj ET Q q 0 0 0 rg BT 512.01 402.30 Td (31, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 387.90 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 370.91 cm /I46 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 373.50 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.55 373.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.44 373.50 Td (in ) Tj ET Q q 0 0 0 rg BT 170.67 373.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 206.22 373.50 Td (Debt, ) Tj ET Q q 0 0 0 rg BT 235.44 373.50 Td (Equity ) Tj ET Q q 0 0 0 rg BT 270.33 373.50 Td (and ) Tj ET Q q 0 0 0 rg BT 290.55 373.50 Td (Equity-related; ) Tj ET Q q 0 0 0 rg BT 365.42 373.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 380.31 373.50 Td (in ) Tj ET Q q 0 0 0 rg BT 392.54 373.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 428.09 373.50 Td (Long-T) Tj ET Q q 0 0 0 rg BT 463.91 373.50 Td (erm ) Tj ET Q q 0 0 0 rg BT 485.46 373.50 Td (Debt; ) Tj ET Q q 0 0 0 rg BT 515.01 373.50 Td (#1 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 359.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.22 359.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 149.77 359.10 Td (Syndicated ) Tj ET Q q 0 0 0 rg BT 204.98 359.10 Td (Loans; ) Tj ET Q q 0 0 0 rg BT 239.53 359.10 Td (#3 ) Tj ET Q q 0 0 0 rg BT 253.42 359.10 Td (in ) Tj ET Q q 0 0 0 rg BT 264.64 359.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 298.77 359.10 Td (Announced ) Tj ET Q q 0 0 0 rg BT 355.98 359.10 Td (M&A; ) Tj ET Q q 0 0 0 rg BT 389.87 359.10 Td (#3 ) Tj ET Q q 0 0 0 rg BT 403.76 359.10 Td (in ) Tj ET Q q 0 0 0 rg BT 414.98 359.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 437.79 359.10 Td (Announced ) Tj ET Q q 0 0 0 rg BT 495.00 359.10 Td (M&A; ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 344.70 Td (and ) Tj ET Q q 0 0 0 rg BT 123.88 344.70 Td (#3 ) Tj ET Q q 0 0 0 rg BT 138.44 344.70 Td (in ) Tj ET Q q 0 0 0 rg BT 150.33 344.70 Td (Global ) Tj ET Q q 0 0 0 rg BT 185.54 344.70 Td (Equity ) Tj ET Q q 0 0 0 rg BT 220.10 344.70 Td (and ) Tj ET Q q 0 0 0 rg BT 239.98 344.70 Td (Equity-related, ) Tj ET Q q 0 0 0 rg BT 314.17 344.70 Td (based ) Tj ET Q q 0 0 0 rg BT 344.05 344.70 Td (on ) Tj ET Q q 0 0 0 rg BT 358.61 344.70 Td (volume, ) Tj ET Q q 0 0 0 rg BT 400.16 344.70 Td (for ) Tj ET Q q 0 0 0 rg BT 416.71 344.70 Td (the ) Tj ET Q q 0 0 0 rg BT 433.92 344.70 Td (three ) Tj ET Q q 0 0 0 rg BT 460.46 344.70 Td (months ) Tj ET Q q 0 0 0 rg BT 498.36 344.70 Td (ended ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 330.30 Td (March ) Tj ET Q q 0 0 0 rg BT 138.32 330.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 156.32 330.30 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 313.31 cm /I47 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 315.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 315.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.36 315.90 Td (client ) Tj ET Q q 0 0 0 rg BT 175.63 315.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 217.57 315.90 Td (and ) Tj ET Q q 0 0 0 rg BT 237.51 315.90 Td (other ) Tj ET Q q 0 0 0 rg BT 264.78 315.90 Td (third-party ) Tj ET Q q 0 0 0 rg BT 318.71 315.90 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 365.98 315.90 Td (were ) Tj ET Q q 0 0 0 rg BT 391.91 315.90 Td ($412.6 ) Tj ET Q q 0 0 0 rg BT 427.52 315.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 464.47 315.90 Td (up ) Tj ET Q q 0 0 0 rg BT 479.08 315.90 Td (15% ) Tj ET Q q 0 0 0 rg BT 503.69 315.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 301.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 301.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 301.50 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 301.50 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 301.50 Td (down ) Tj ET Q q 0 0 0 rg BT 221.63 301.50 Td (2% ) Tj ET Q q 0 0 0 rg BT 240.62 301.50 Td (from ) Tj ET Q q 0 0 0 rg BT 266.95 301.50 Td (the ) Tj ET Q q 0 0 0 rg BT 284.61 301.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 310.94 301.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 344.25 301.50 Td (. ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 284.51 cm /I48 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 287.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 138.85 287.10 Td (under ) Tj ET Q q 0 0 0 rg BT 169.70 287.10 Td (custody ) Tj ET Q q 0 0 0 rg BT 210.54 287.10 Td (were ) Tj ET Q q 0 0 0 rg BT 237.38 287.10 Td ($21.1 ) Tj ET Q q 0 0 0 rg BT 267.90 287.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 307.08 287.10 Td (up ) Tj ET Q q 0 0 0 rg BT 322.60 287.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 348.11 287.10 Td (from ) Tj ET Q q 0 0 0 rg BT 374.96 287.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.14 287.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 419.98 287.10 Td (year ) Tj ET Q q 0 0 0 rg BT 444.15 287.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.99 287.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 484.51 287.10 Td (from ) Tj ET Q q 0 0 0 rg BT 511.35 287.10 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 272.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 272.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 272.70 Td (. ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 255.71 cm /I49 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 258.30 Td (International ) Tj ET Q q 0 0 0 rg BT 168.31 258.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 209.28 258.30 Td (represented ) Tj ET Q q 0 0 0 rg BT 267.58 258.30 Td (50% ) Tj ET Q q 0 0 0 rg BT 292.58 258.30 Td (of ) Tj ET Q q 0 0 0 rg BT 305.57 258.30 Td (total ) Tj ET Q q 0 0 0 rg BT 329.90 258.30 Td (revenue. ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 241.31 cm /I50 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 243.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.95 243.90 Td (total ) Tj ET Q q 0 0 0 rg BT 184.58 243.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 213.22 243.90 Td (were ) Tj ET Q q 0 0 0 rg BT 239.83 243.90 Td ($104.7 ) Tj ET Q q 0 0 0 rg BT 276.13 243.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 313.77 243.90 Td (down ) Tj ET Q q 0 0 0 rg BT 343.74 243.90 Td (1) Tj ET Q q 0 0 0 rg BT 349.29 243.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 368.59 243.90 Td (from ) Tj ET Q q 0 0 0 rg BT 395.22 243.90 Td (the ) Tj ET Q q 0 0 0 rg BT 413.18 243.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.81 243.90 Td (year ) Tj ET Q q 0 0 0 rg BT 463.76 243.90 Td (and ) Tj ET Q q 0 0 0 rg BT 484.39 243.90 Td (3% ) Tj ET Q q 0 0 0 rg BT 503.69 243.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 229.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.00 229.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 146.67 229.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 179.99 229.50 Td (. ) Tj ET Q q 0 0 0 rg BT 185.33 229.50 Td ( ) Tj ET Q q 0 0 0 rg BT 187.67 229.50 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 245.31 229.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.99 229.50 Td (were ) Tj ET Q q 0 0 0 rg BT 298.64 229.50 Td ($251 ) Tj ET Q q 0 0 0 rg BT 324.99 229.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 365.00 229.50 Td (down ) Tj ET Q q 0 0 0 rg BT 394.01 229.50 Td (58% ) Tj ET Q q 0 0 0 rg BT 418.35 229.50 Td (from ) Tj ET Q q 0 0 0 rg BT 444.01 229.50 Td (the ) Tj ET Q q 0 0 0 rg BT 461.02 229.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.68 229.50 Td (year ) Tj ET Q q 0 0 0 rg BT 509.68 229.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 215.10 Td (27% ) Tj ET Q q 0 0 0 rg BT 129.00 215.10 Td (from ) Tj ET Q q 0 0 0 rg BT 155.32 215.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.98 215.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 199.31 215.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 232.63 215.10 Td (.) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (COMMERCIAL) Tj ET Q q 0 0 0 rg BT 131.58 740.90 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 50.5 730.4 m 50.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 730.4 m 231.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 231.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 276.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 730.4 m 280.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 280.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 325.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 730.4 m 329.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 730.4 m 329.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 730.4 m 374.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 730.4 m 378.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 730.4 m 378.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 730.4 m 423.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 715.4 m 423.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 730.4 m 468.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 715.4 m 468.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 730.4 m 472.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 715.4 m 472.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 730.4 m 472.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 730.4 m 517.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 715.4 m 517.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 730.4 m 562.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 730.4 m 562.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 562.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 715.4 m 50.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 715.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 276.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 700.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 715.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 325.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 700.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 715.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 374.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 700.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 715.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 715.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 468.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 700.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 715.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 715.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 50.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 276.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 685.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 325.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 685.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 374.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 685.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 468.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 685.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 700.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 50.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 276.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 670.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 325.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 670.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 374.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 670.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 468.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 670.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 685.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 50.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 276.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 655.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 325.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 655.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 374.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 655.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 468.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 655.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 670.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 50.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 640.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 640.4 m 276.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 640.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 640.4 m 325.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 640.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 640.4 m 374.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 640.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 640.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 640.4 m 468.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 640.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 640.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 655.4 m 562.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 640.4 m 562.5 640.4 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 720.27 Td (Results for CB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 720.27 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 720.27 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 705.27 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 705.27 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 705.27 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 705.27 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 690.27 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 690.27 Td (1,651) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 690.27 Td (1,847) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 690.27 Td (1,673) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 690.27 Td (\(196) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 690.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 690.27 Td (\(11) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 690.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 690.27 Td (\(22) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 690.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 690.27 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 690.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 675.27 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 266.80 675.27 Td (5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 310.25 675.27 Td (43) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 675.27 Td (39) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 675.27 Td (\(38) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 675.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 675.27 Td (\(88) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 675.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 675.27 Td (\(34) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 675.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 675.27 Td (\(87) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 675.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 660.27 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 660.27 Td (686) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 660.27 Td (653) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 660.27 Td (644) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 660.27 Td (33) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 660.27 Td (5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 660.27 Td (42) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 660.27 Td (7) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 645.27 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 645.27 Td (578) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 645.27 Td (693) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 645.27 Td (596) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 645.27 Td (\(115) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 645.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 645.27 Td (\(17) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 645.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 645.27 Td (\(18) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 645.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 645.27 Td (\(3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 645.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 614.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 614.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 614.50 Td (Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 600.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.14 600.10 Td (income ) Tj ET Q q 0 0 0 rg BT 108.27 600.10 Td (was ) Tj ET Q q 0 0 0 rg BT 129.75 600.10 Td ($578 ) Tj ET Q q 0 0 0 rg BT 156.56 600.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 197.05 600.10 Td (a ) Tj ET Q q 0 0 0 rg BT 205.19 600.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 249.30 600.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.11 600.10 Td ($18 ) Tj ET Q q 0 0 0 rg BT 282.92 600.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 323.41 600.10 Td (or ) Tj ET Q q 0 0 0 rg BT 336.22 600.10 Td (3%, ) Tj ET Q q 0 0 0 rg BT 358.03 600.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 408.15 600.10 Td (with ) Tj ET Q q 0 0 0 rg BT 432.30 600.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.77 600.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 475.91 600.10 Td (year) Tj ET Q q 0 0 0 rg BT 496.08 600.10 Td (, ) Tj ET Q q 0 0 0 rg BT 501.89 600.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 550.68 600.10 Td (an ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 585.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 91.87 585.70 Td (in ) Tj ET Q q 0 0 0 rg BT 103.77 585.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 159.66 585.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 200.87 585.70 Td (and ) Tj ET Q q 0 0 0 rg BT 220.77 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 250.65 585.70 Td (net ) Tj ET Q q 0 0 0 rg BT 267.88 585.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 311.42 585.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 353.97 585.70 Td (of) Tj ET Q q 0 0 0 rg BT 363.75 585.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 383.64 585.70 Td (by ) Tj ET Q q 0 0 0 rg BT 398.21 585.70 Td (a ) Tj ET Q q 0 0 0 rg BT 406.10 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 435.99 585.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 483.89 585.70 Td (for ) Tj ET Q q 0 0 0 rg BT 500.45 585.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 530.33 585.70 Td (losses.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 565.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.45 565.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.54 565.30 Td (was ) Tj ET Q q 0 0 0 rg BT 133.32 565.30 Td ($1.7billion, ) Tj ET Q q 0 0 0 rg BT 194.78 565.30 Td (a ) Tj ET Q q 0 0 0 rg BT 203.23 565.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 247.64 565.30 Td (of ) Tj ET Q q 0 0 0 rg BT 260.76 565.30 Td ($22 ) Tj ET Q q 0 0 0 rg BT 281.88 565.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 322.67 565.30 Td (or ) Tj ET Q q 0 0 0 rg BT 335.79 565.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 357.90 565.30 Td ( ) Tj ET Q q 0 0 0 rg BT 361.02 565.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 411.45 565.30 Td (with ) Tj ET Q q 0 0 0 rg BT 435.90 565.30 Td (the ) Tj ET Q q 0 0 0 rg BT 453.68 565.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 480.13 565.30 Td (year) Tj ET Q q 0 0 0 rg BT 500.12 565.30 Td (. ) Tj ET Q q 0 0 0 rg BT 506.24 565.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.68 565.30 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 550.90 Td (income ) Tj ET Q q 0 0 0 rg BT 88.52 550.90 Td (was ) Tj ET Q q 0 0 0 rg BT 110.37 550.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 134.57 550.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 172.10 550.90 Td (a ) Tj ET Q q 0 0 0 rg BT 180.62 550.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 225.11 550.90 Td (of ) Tj ET Q q 0 0 0 rg BT 238.30 550.90 Td ($45 ) Tj ET Q q 0 0 0 rg BT 259.50 550.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 300.36 550.90 Td (or ) Tj ET Q q 0 0 0 rg BT 313.55 550.90 Td (4%, ) Tj ET Q q 0 0 0 rg BT 335.74 550.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 386.25 550.90 Td (with ) Tj ET Q q 0 0 0 rg BT 410.77 550.90 Td (the ) Tj ET Q q 0 0 0 rg BT 428.63 550.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 455.15 550.90 Td (year) Tj ET Q q 0 0 0 rg BT 475.32 550.90 Td (, ) Tj ET Q q 0 0 0 rg BT 481.51 550.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 530.68 550.90 Td (spread ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 536.50 Td (compression, ) Tj ET Q q 0 0 0 rg BT 118.38 536.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 153.77 536.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 195.82 536.50 Td (costs ) Tj ET Q q 0 0 0 rg BT 224.55 536.50 Td (on ) Tj ET Q q 0 0 0 rg BT 241.28 536.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 266.67 536.50 Td (products, ) Tj ET Q q 0 0 0 rg BT 315.72 536.50 Td (and ) Tj ET Q q 0 0 0 rg BT 337.77 536.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 369.82 536.50 Td (purchase ) Tj ET Q q 0 0 0 rg BT 417.19 536.50 Td (discounts ) Tj ET Q q 0 0 0 rg BT 467.25 536.50 Td (recognized ) Tj ET Q q 0 0 0 rg BT 524.62 536.50 Td (on ) Tj ET Q q 0 0 0 rg BT 541.34 536.50 Td (loan ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 522.10 Td (repayments, ) Tj ET Q q 0 0 0 rg BT 111.47 522.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 154.61 522.10 Td (of) Tj ET Q q 0 0 0 rg BT 164.39 522.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 184.88 522.10 Td (by ) Tj ET Q q 0 0 0 rg BT 200.04 522.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 233.85 522.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 257.67 522.10 Td (balances. ) Tj ET Q q 0 0 0 rg BT 305.13 522.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 364.28 522.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 405.41 522.10 Td (was ) Tj ET Q q 0 0 0 rg BT 427.23 522.10 Td ($558million, ) Tj ET Q q 0 0 0 rg BT 495.06 522.10 Td (an ) Tj ET Q q 0 0 0 rg BT 509.54 522.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 552.01 522.10 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 507.70 Td ($23 ) Tj ET Q q 0 0 0 rg BT 71.00 507.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 111.67 507.70 Td (or ) Tj ET Q q 0 0 0 rg BT 124.67 507.70 Td (4%, ) Tj ET Q q 0 0 0 rg BT 146.66 507.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 196.97 507.70 Td (with ) Tj ET Q q 0 0 0 rg BT 221.30 507.70 Td (the ) Tj ET Q q 0 0 0 rg BT 238.96 507.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 265.29 507.70 Td (year) Tj ET Q q 0 0 0 rg BT 285.46 507.70 Td (, ) Tj ET Q q 0 0 0 rg BT 291.46 507.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 325.12 507.70 Td (by ) Tj ET Q q 0 0 0 rg BT 340.12 507.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 373.77 507.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 429.43 507.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 471.09 507.70 Td (fees.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 487.30 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 94.89 487.30 Td (from ) Tj ET Q q 0 0 0 rg BT 121.12 487.30 Td (Middle ) Tj ET Q q 0 0 0 rg BT 158.68 487.30 Td (Market ) Tj ET Q q 0 0 0 rg BT 196.24 487.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 239.81 487.30 Td (was ) Tj ET Q q 0 0 0 rg BT 261.37 487.30 Td ($698 ) Tj ET Q q 0 0 0 rg BT 288.27 487.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 328.85 487.30 Td (a ) Tj ET Q q 0 0 0 rg BT 337.08 487.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 381.28 487.30 Td (of ) Tj ET Q q 0 0 0 rg BT 394.18 487.30 Td ($55 ) Tj ET Q q 0 0 0 rg BT 415.08 487.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 455.65 487.30 Td (or ) Tj ET Q q 0 0 0 rg BT 468.55 487.30 Td (7%, ) Tj ET Q q 0 0 0 rg BT 490.45 487.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.66 487.30 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 472.90 Td (the ) Tj ET Q q 0 0 0 rg BT 67.10 472.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 92.88 472.90 Td (year) Tj ET Q q 0 0 0 rg BT 112.86 472.90 Td (. ) Tj ET Q q 0 0 0 rg BT 118.31 472.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 162.73 472.90 Td (from ) Tj ET Q q 0 0 0 rg BT 188.51 472.90 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 238.93 472.90 Td (Client ) Tj ET Q q 0 0 0 rg BT 270.71 472.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 313.82 472.90 Td (was ) Tj ET Q q 0 0 0 rg BT 334.93 472.90 Td ($446million, ) Tj ET Q q 0 0 0 rg BT 402.04 472.90 Td (an ) Tj ET Q q 0 0 0 rg BT 415.81 472.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 457.56 472.90 Td (of ) Tj ET Q q 0 0 0 rg BT 470.00 472.90 Td ($13 ) Tj ET Q q 0 0 0 rg BT 490.45 472.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 530.56 472.90 Td (or ) Tj ET Q q 0 0 0 rg BT 543.00 472.90 Td (3%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 458.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.77 458.50 Td (with ) Tj ET Q q 0 0 0 rg BT 125.57 458.50 Td (the ) Tj ET Q q 0 0 0 rg BT 143.69 458.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 170.47 458.50 Td (year) Tj ET Q q 0 0 0 rg BT 190.46 458.50 Td (. ) Tj ET Q q 0 0 0 rg BT 196.92 458.50 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 242.37 458.50 Td (from ) Tj ET Q q 0 0 0 rg BT 269.15 458.50 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 331.68 458.50 Td (T) Tj ET Q q 0 0 0 rg BT 338.17 458.50 Td (erm ) Tj ET Q q 0 0 0 rg BT 360.29 458.50 Td (Lending ) Tj ET Q q 0 0 0 rg BT 403.74 458.50 Td (was ) Tj ET Q q 0 0 0 rg BT 425.86 458.50 Td ($308 ) Tj ET Q q 0 0 0 rg BT 453.33 458.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 494.46 458.50 Td (an ) Tj ET Q q 0 0 0 rg BT 509.25 458.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 552.01 458.50 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 444.10 Td ($17 ) Tj ET Q q 0 0 0 rg BT 70.89 444.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 111.45 444.10 Td (or ) Tj ET Q q 0 0 0 rg BT 124.34 444.10 Td (6%, ) Tj ET Q q 0 0 0 rg BT 146.22 444.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 196.42 444.10 Td (with ) Tj ET Q q 0 0 0 rg BT 220.65 444.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.20 444.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 264.41 444.10 Td (year) Tj ET Q q 0 0 0 rg BT 284.40 444.10 Td (. ) Tj ET Q q 0 0 0 rg BT 290.29 444.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 335.16 444.10 Td (from ) Tj ET Q q 0 0 0 rg BT 361.38 444.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 386.26 444.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 418.47 444.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 462.02 444.10 Td (was ) Tj ET Q q 0 0 0 rg BT 483.57 444.10 Td ($1) Tj ET Q q 0 0 0 rg BT 495.13 444.10 Td (16million, ) Tj ET Q q 0 0 0 rg BT 550.69 444.10 Td (an ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 429.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 92.30 429.70 Td (of ) Tj ET Q q 0 0 0 rg BT 105.30 429.70 Td ($4 ) Tj ET Q q 0 0 0 rg BT 120.30 429.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 160.97 429.70 Td (or ) Tj ET Q q 0 0 0 rg BT 173.97 429.70 Td (4%, ) Tj ET Q q 0 0 0 rg BT 195.96 429.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 246.27 429.70 Td (with ) Tj ET Q q 0 0 0 rg BT 270.61 429.70 Td (the ) Tj ET Q q 0 0 0 rg BT 288.27 429.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 314.59 429.70 Td (year) Tj ET Q q 0 0 0 rg BT 334.58 429.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 409.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.68 409.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.04 409.30 Td (for ) Tj ET Q q 0 0 0 rg BT 137.06 409.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.40 409.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 199.10 409.30 Td (was ) Tj ET Q q 0 0 0 rg BT 220.79 409.30 Td ($5 ) Tj ET Q q 0 0 0 rg BT 235.82 409.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 276.51 409.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 326.85 409.30 Td (with ) Tj ET Q q 0 0 0 rg BT 351.21 409.30 Td ($39 ) Tj ET Q q 0 0 0 rg BT 372.23 409.30 Td (million ) Tj ET Q q 0 0 0 rg BT 409.93 409.30 Td (in ) Tj ET Q q 0 0 0 rg BT 422.29 409.30 Td (the ) Tj ET Q q 0 0 0 rg BT 439.98 409.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.33 409.30 Td (year) Tj ET Q q 0 0 0 rg BT 486.32 409.30 Td (. ) Tj ET Q q 0 0 0 rg BT 492.34 409.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 512.69 409.30 Td (recoveries ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 394.90 Td (were ) Tj ET Q q 0 0 0 rg BT 75.72 394.90 Td ($14 ) Tj ET Q q 0 0 0 rg BT 96.13 394.90 Td (million ) Tj ET Q q 0 0 0 rg BT 133.21 394.90 Td (\(0.04% ) Tj ET Q q 0 0 0 rg BT 170.61 394.90 Td (net ) Tj ET Q q 0 0 0 rg BT 187.68 394.90 Td (recovery ) Tj ET Q q 0 0 0 rg BT 232.06 394.90 Td (rate\), ) Tj ET Q q 0 0 0 rg BT 259.44 394.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 309.16 394.90 Td (with ) Tj ET Q q 0 0 0 rg BT 332.90 394.90 Td (net ) Tj ET Q q 0 0 0 rg BT 349.97 394.90 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 401.68 394.90 Td (of ) Tj ET Q q 0 0 0 rg BT 414.08 394.90 Td ($7 ) Tj ET Q q 0 0 0 rg BT 428.49 394.90 Td (million ) Tj ET Q q 0 0 0 rg BT 465.57 394.90 Td (\(0.02% ) Tj ET Q q 0 0 0 rg BT 502.97 394.90 Td (net ) Tj ET Q q 0 0 0 rg BT 520.04 394.90 Td (recovery ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 380.50 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 74.59 380.50 Td (in ) Tj ET Q q 0 0 0 rg BT 86.53 380.50 Td (the ) Tj ET Q q 0 0 0 rg BT 103.79 380.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 129.73 380.50 Td (year ) Tj ET Q q 0 0 0 rg BT 152.98 380.50 Td (and ) Tj ET Q q 0 0 0 rg BT 172.92 380.50 Td (net ) Tj ET Q q 0 0 0 rg BT 190.19 380.50 Td (char) Tj ET Q q 0 0 0 rg BT 210.62 380.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 235.72 380.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 246.99 380.50 Td (of ) Tj ET Q q 0 0 0 rg BT 259.60 380.50 Td ($25million ) Tj ET Q q 0 0 0 rg BT 317.87 380.50 Td (\(0.07% ) Tj ET Q q 0 0 0 rg BT 355.47 380.50 Td (net ) Tj ET Q q 0 0 0 rg BT 372.74 380.50 Td (char) Tj ET Q q 0 0 0 rg BT 393.17 380.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 418.27 380.50 Td (f ) Tj ET Q q 0 0 0 rg BT 424.88 380.50 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 449.46 380.50 Td (in ) Tj ET Q q 0 0 0 rg BT 461.40 380.50 Td (the ) Tj ET Q q 0 0 0 rg BT 478.67 380.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 504.61 380.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 537.92 380.50 Td (. ) Tj ET Q q 0 0 0 rg BT 543.34 380.50 Td (The ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 366.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 101.92 366.10 Td (for ) Tj ET Q q 0 0 0 rg BT 119.20 366.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 143.14 366.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 175.10 366.10 Td (to ) Tj ET Q q 0 0 0 rg BT 187.72 366.10 Td (period-end ) Tj ET Q q 0 0 0 rg BT 242.98 366.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 271.59 366.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 313.52 366.10 Td (was ) Tj ET Q q 0 0 0 rg BT 335.47 366.10 Td (1.95%, ) Tj ET Q q 0 0 0 rg BT 372.75 366.10 Td (down ) Tj ET Q q 0 0 0 rg BT 402.70 366.10 Td (from ) Tj ET Q q 0 0 0 rg BT 429.31 366.10 Td (2.05% ) Tj ET Q q 0 0 0 rg BT 463.59 366.10 Td (in ) Tj ET Q q 0 0 0 rg BT 476.21 366.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.15 366.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 520.76 366.10 Td (year ) Tj ET Q q 0 0 0 rg BT 544.69 366.10 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 351.70 Td (down ) Tj ET Q q 0 0 0 rg BT 80.36 351.70 Td (from ) Tj ET Q q 0 0 0 rg BT 107.38 351.70 Td (1.97% ) Tj ET Q q 0 0 0 rg BT 142.08 351.70 Td (in ) Tj ET Q q 0 0 0 rg BT 155.11 351.70 Td (the ) Tj ET Q q 0 0 0 rg BT 173.46 351.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.48 351.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 233.80 351.70 Td (. ) Tj ET Q q 0 0 0 rg BT 240.50 351.70 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 299.49 351.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 328.52 351.70 Td (were ) Tj ET Q q 0 0 0 rg BT 355.53 351.70 Td ($485million, ) Tj ET Q q 0 0 0 rg BT 423.89 351.70 Td (down ) Tj ET Q q 0 0 0 rg BT 454.26 351.70 Td ($184 ) Tj ET Q q 0 0 0 rg BT 481.95 351.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 523.32 351.70 Td (or ) Tj ET Q q 0 0 0 rg BT 537.01 351.70 Td (28%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 337.30 Td (from ) Tj ET Q q 0 0 0 rg BT 76.33 337.30 Td (the ) Tj ET Q q 0 0 0 rg BT 93.99 337.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 120.31 337.30 Td (year) Tj ET Q q 0 0 0 rg BT 140.48 337.30 Td (, ) Tj ET Q q 0 0 0 rg BT 146.48 337.30 Td (and ) Tj ET Q q 0 0 0 rg BT 166.81 337.30 Td (down ) Tj ET Q q 0 0 0 rg BT 196.47 337.30 Td (by ) Tj ET Q q 0 0 0 rg BT 211.47 337.30 Td ($29 ) Tj ET Q q 0 0 0 rg BT 232.47 337.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 273.14 337.30 Td (or ) Tj ET Q q 0 0 0 rg BT 286.14 337.30 Td (6%, ) Tj ET Q q 0 0 0 rg BT 308.13 337.30 Td (from ) Tj ET Q q 0 0 0 rg BT 334.46 337.30 Td (the ) Tj ET Q q 0 0 0 rg BT 352.12 337.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 378.45 337.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 411.76 337.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 316.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.35 316.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.37 316.90 Td (was ) Tj ET Q q 0 0 0 rg BT 170.40 316.90 Td ($686 ) Tj ET Q q 0 0 0 rg BT 196.77 316.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 236.81 316.90 Td (up ) Tj ET Q q 0 0 0 rg BT 251.18 316.90 Td (7% ) Tj ET Q q 0 0 0 rg BT 269.54 316.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 319.22 316.90 Td (with ) Tj ET Q q 0 0 0 rg BT 342.92 316.90 Td (the ) Tj ET Q q 0 0 0 rg BT 359.95 316.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 385.65 316.90 Td (year) Tj ET Q q 0 0 0 rg BT 405.81 316.90 Td (, ) Tj ET Q q 0 0 0 rg BT 411.18 316.90 Td (lar) Tj ET Q q 0 0 0 rg BT 423.62 316.90 Td (gely ) Tj ET Q q 0 0 0 rg BT 446.65 316.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 494.99 316.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 528.02 316.90 Td (control ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 302.50 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 302.50 Td (headcount-related) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 156.28 307.94 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 160.18 302.50 Td ( ) Tj ET Q q 0 0 0 rg BT 163.18 302.50 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 267.70 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 267.70 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 267.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 267.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 267.70 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 258.74 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 258.74 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 258.74 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 258.74 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 258.74 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 258.74 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 258.74 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 258.74 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 258.74 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 258.74 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 236.31 cm /I51 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 238.90 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 238.90 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 238.90 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 238.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 238.90 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 238.90 Td (17% ) Tj ET Q q 0 0 0 rg BT 234.31 238.90 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 238.90 Td ($14.0 ) Tj ET Q q 0 0 0 rg BT 279.31 238.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.65 238.90 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 238.90 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 238.90 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 238.90 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 221.91 cm /I52 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 224.50 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 224.50 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 224.50 Td (was ) Tj ET Q q 0 0 0 rg BT 200.29 224.50 Td (42%, ) Tj ET Q q 0 0 0 rg BT 228.29 224.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 278.60 224.50 Td (with ) Tj ET Q q 0 0 0 rg BT 302.93 224.50 Td (38% ) Tj ET Q q 0 0 0 rg BT 327.93 224.50 Td (in ) Tj ET Q q 0 0 0 rg BT 340.26 224.50 Td (the ) Tj ET Q q 0 0 0 rg BT 357.92 224.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 384.25 224.50 Td (year) Tj ET Q q 0 0 0 rg BT 404.23 224.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 207.51 cm /I53 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 210.10 Td (Gross ) Tj ET Q q 0 0 0 rg BT 136.13 210.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 192.92 210.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 235.71 210.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 277.82 210.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 315.27 210.10 Td (is ) Tj ET Q q 0 0 0 rg BT 327.41 210.10 Td (shared ) Tj ET Q q 0 0 0 rg BT 362.86 210.10 Td (with ) Tj ET Q q 0 0 0 rg BT 388.32 210.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.11 210.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 459.22 210.10 Td (& ) Tj ET Q q 0 0 0 rg BT 472.69 210.10 Td (Investment ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 195.70 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 136.06 195.70 Td (was ) Tj ET Q q 0 0 0 rg BT 157.45 195.70 Td ($447 ) Tj ET Q q 0 0 0 rg BT 184.18 195.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 224.58 195.70 Td (up ) Tj ET Q q 0 0 0 rg BT 239.31 195.70 Td (31% ) Tj ET Q q 0 0 0 rg BT 264.04 195.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 314.08 195.70 Td (with ) Tj ET Q q 0 0 0 rg BT 338.14 195.70 Td (the ) Tj ET Q q 0 0 0 rg BT 355.53 195.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 381.59 195.70 Td (year ) Tj ET Q q 0 0 0 rg BT 404.97 195.70 Td (and ) Tj ET Q q 0 0 0 rg BT 425.02 195.70 Td (down ) Tj ET Q q 0 0 0 rg BT 454.42 195.70 Td (1) Tj ET Q q 0 0 0 rg BT 459.97 195.70 Td (1% ) Tj ET Q q 0 0 0 rg BT 478.70 195.70 Td (compared ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 181.30 Td (with ) Tj ET Q q 0 0 0 rg BT 128.33 181.30 Td (the ) Tj ET Q q 0 0 0 rg BT 145.99 181.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 172.32 181.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 205.64 181.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 164.31 cm /I54 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 166.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 166.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.68 166.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 170.27 166.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 214.51 166.90 Td (were ) Tj ET Q q 0 0 0 rg BT 240.76 166.90 Td ($137.7 ) Tj ET Q q 0 0 0 rg BT 276.69 166.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 313.96 166.90 Td (up ) Tj ET Q q 0 0 0 rg BT 328.89 166.90 Td (6% ) Tj ET Q q 0 0 0 rg BT 347.81 166.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 398.05 166.90 Td (with ) Tj ET Q q 0 0 0 rg BT 422.32 166.90 Td (the ) Tj ET Q q 0 0 0 rg BT 439.91 166.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.17 166.90 Td (year ) Tj ET Q q 0 0 0 rg BT 489.75 166.90 Td (and ) Tj ET Q q 0 0 0 rg BT 510.00 166.90 Td (2% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 152.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 152.50 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 152.50 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 152.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 152.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 255.95 152.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 135.51 cm /I55 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 138.10 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 160.05 138.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 184.10 138.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 228.81 138.10 Td (were ) Tj ET Q q 0 0 0 rg BT 255.52 138.10 Td ($138.9 ) Tj ET Q q 0 0 0 rg BT 291.91 138.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 329.64 138.10 Td (up ) Tj ET Q q 0 0 0 rg BT 345.04 138.10 Td (7% ) Tj ET Q q 0 0 0 rg BT 364.43 138.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 415.14 138.10 Td (with ) Tj ET Q q 0 0 0 rg BT 439.87 138.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.92 138.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 484.64 138.10 Td (year ) Tj ET Q q 0 0 0 rg BT 508.69 138.10 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 123.70 Td (1% ) Tj ET Q q 0 0 0 rg BT 123.00 123.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 173.30 123.70 Td (with ) Tj ET Q q 0 0 0 rg BT 197.64 123.70 Td (the ) Tj ET Q q 0 0 0 rg BT 215.30 123.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 241.63 123.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 274.94 123.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 106.71 cm /I56 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 109.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 109.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 149.17 109.30 Td (client ) Tj ET Q q 0 0 0 rg BT 181.25 109.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 226.01 109.30 Td (and ) Tj ET Q q 0 0 0 rg BT 248.76 109.30 Td (other ) Tj ET Q q 0 0 0 rg BT 278.84 109.30 Td (third-party ) Tj ET Q q 0 0 0 rg BT 335.58 109.30 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 385.66 109.30 Td (were ) Tj ET Q q 0 0 0 rg BT 414.40 109.30 Td ($202.9 ) Tj ET Q q 0 0 0 rg BT 452.82 109.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 492.58 109.30 Td (up ) Tj ET Q q 0 0 0 rg BT 510.00 109.30 Td (4% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 94.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 94.90 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 94.90 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 94.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 94.90 Td (year ) Tj ET Q q 0 0 0 rg BT 246.28 94.90 Td (and ) Tj ET Q q 0 0 0 rg BT 266.60 94.90 Td (down ) Tj ET Q q 0 0 0 rg BT 296.27 94.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 315.27 94.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 365.57 94.90 Td (with ) Tj ET Q q 0 0 0 rg BT 389.91 94.90 Td (the ) Tj ET Q q 0 0 0 rg BT 407.57 94.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 433.89 94.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 467.21 94.90 Td (.) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 726.50 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 50.5 716 m 50.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 716 m 231.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 716 m 231.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 716 m 276.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 716 m 280.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 716 m 280.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 716 m 325.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 716 m 329.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 716 m 329.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 716 m 374.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 716 m 378.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 716 m 378.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 716 m 423.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 701 m 423.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 716 m 468.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 701 m 468.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 716 m 472.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 701 m 472.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 716 m 472.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 716 m 517.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 701 m 517.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 716 m 562.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 716 m 562.5 716 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 701 m 562.5 701 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 701 m 50.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 686 m 231.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 701 m 231.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 686 m 276.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 686 m 280.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 701 m 280.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 686 m 325.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 686 m 329.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 701 m 329.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 686 m 374.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 686 m 378.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 701 m 378.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 686 m 423.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 701 m 423.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 686 m 468.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 686 m 472.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 701 m 472.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 686 m 517.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 701 m 517.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 701 m 562.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 686 m 562.5 686 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 686 m 50.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 671 m 231.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 686 m 231.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 671 m 276.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 671 m 280.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 686 m 280.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 671 m 325.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 671 m 329.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 686 m 329.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 671 m 374.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 671 m 378.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 686 m 378.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 671 m 423.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 686 m 423.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 671 m 468.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 671 m 472.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 686 m 472.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 671 m 517.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 686 m 517.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 686 m 562.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 671 m 562.5 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 671 m 50.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 656 m 231.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 671 m 231.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 656 m 276.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 656 m 280.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 671 m 280.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 656 m 325.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 656 m 329.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 671 m 329.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 656 m 374.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 656 m 378.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 671 m 378.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 656 m 423.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 671 m 423.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 656 m 468.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 656 m 472.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 671 m 472.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 656 m 517.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 671 m 517.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 671 m 562.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 656 m 562.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 656 m 50.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 641 m 231.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 656 m 231.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 641 m 276.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 641 m 280.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 656 m 280.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 641 m 325.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 641 m 329.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 656 m 329.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 641 m 374.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 641 m 378.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 656 m 378.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 641 m 423.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 656 m 423.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 641 m 468.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 641 m 472.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 656 m 472.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 641 m 517.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 656 m 517.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 656 m 562.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 656 m 562.5 656 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 641 m 562.5 641 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 641 m 50.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 626 m 231.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 641 m 231.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 626 m 276.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 626 m 280.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 641 m 280.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 626 m 325.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 626 m 329.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 641 m 329.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 626 m 374.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 626 m 378.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 641 m 378.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 626 m 423.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 641 m 423.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 626 m 468.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 626 m 472.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 641 m 472.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 626 m 517.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 641 m 517.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 641 m 562.5 626 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 626 m 562.5 626 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 705.87 Td (Results for AM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 705.87 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 705.87 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 690.87 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 690.87 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 690.87 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 690.87 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 690.87 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 690.87 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 690.87 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 690.87 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 675.87 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 675.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 675.87 Td (2,778) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 675.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 675.87 Td (3,179) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 675.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 675.87 Td (2,653) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 675.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 675.87 Td (\(401) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 675.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 675.87 Td (\(13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 675.87 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 675.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 675.87 Td (125) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 675.87 Td (5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 675.87 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 660.87 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 263.10 660.87 Td (\(9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 660.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 310.25 660.87 Td (21) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 660.87 Td (21) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 660.87 Td (\(30) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 660.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 660.87 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 660.87 Td (\(30) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 660.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 660.87 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 645.87 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 645.87 Td (2,075) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 645.87 Td (2,245) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 645.87 Td (1,876) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 645.87 Td (\(170) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 645.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 645.87 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 645.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 645.87 Td (199) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.15 645.87 Td (11) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 630.87 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 630.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 630.87 Td (441) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 630.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 630.87 Td (568) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 630.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 630.87 Td (487) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 630.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 630.87 Td (\(127) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 630.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 630.87 Td (\(22) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 630.87 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 630.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 630.87 Td (\(46) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 630.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 630.87 Td (\(9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 630.87 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 597.70 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.02 597.70 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 583.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 71.93 583.30 Td (income ) Tj ET Q q 0 0 0 rg BT 111.85 583.30 Td (was ) Tj ET Q q 0 0 0 rg BT 135.11 583.30 Td ($441million, ) Tj ET Q q 0 0 0 rg BT 204.39 583.30 Td (a ) Tj ET Q q 0 0 0 rg BT 214.31 583.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 260.21 583.30 Td (of ) Tj ET Q q 0 0 0 rg BT 274.81 583.30 Td ($46 ) Tj ET Q q 0 0 0 rg BT 297.41 583.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 339.69 583.30 Td (or ) Tj ET Q q 0 0 0 rg BT 354.28 583.30 Td (9%, ) Tj ET Q q 0 0 0 rg BT 377.88 583.30 Td (from ) Tj ET Q q 0 0 0 rg BT 405.81 583.30 Td (the ) Tj ET Q q 0 0 0 rg BT 425.07 583.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 453.00 583.30 Td (year) Tj ET Q q 0 0 0 rg BT 473.17 583.30 Td (, ) Tj ET Q q 0 0 0 rg BT 480.77 583.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 531.35 583.30 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 568.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 106.32 568.90 Td (expense, ) Tj ET Q q 0 0 0 rg BT 150.97 568.90 Td (lar) Tj ET Q q 0 0 0 rg BT 163.41 568.90 Td (gely ) Tj ET Q q 0 0 0 rg BT 187.07 568.90 Td (of) Tj ET Q q 0 0 0 rg BT 196.85 568.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 217.17 568.90 Td (by ) Tj ET Q q 0 0 0 rg BT 232.17 568.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 265.83 568.90 Td (net ) Tj ET Q q 0 0 0 rg BT 283.49 568.90 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 548.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.47 548.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.59 548.50 Td (was ) Tj ET Q q 0 0 0 rg BT 133.39 548.50 Td ($2.8billion, ) Tj ET Q q 0 0 0 rg BT 194.87 548.50 Td (an ) Tj ET Q q 0 0 0 rg BT 209.34 548.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 251.79 548.50 Td (of ) Tj ET Q q 0 0 0 rg BT 264.93 548.50 Td ($125million, ) Tj ET Q q 0 0 0 rg BT 332.74 548.50 Td (or ) Tj ET Q q 0 0 0 rg BT 345.88 548.50 Td (5%, ) Tj ET Q q 0 0 0 rg BT 368.02 548.50 Td (from ) Tj ET Q q 0 0 0 rg BT 394.49 548.50 Td (the ) Tj ET Q q 0 0 0 rg BT 412.30 548.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.77 548.50 Td (year) Tj ET Q q 0 0 0 rg BT 458.75 548.50 Td (. ) Tj ET Q q 0 0 0 rg BT 464.90 548.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.03 548.50 Td (revenue ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 534.10 Td (was ) Tj ET Q q 0 0 0 rg BT 70.87 534.10 Td ($2.2billion, ) Tj ET Q q 0 0 0 rg BT 131.42 534.10 Td (up ) Tj ET Q q 0 0 0 rg BT 145.63 534.10 Td ($124 ) Tj ET Q q 0 0 0 rg BT 171.83 534.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 211.71 534.10 Td (or ) Tj ET Q q 0 0 0 rg BT 223.92 534.10 Td (6%, ) Tj ET Q q 0 0 0 rg BT 245.12 534.10 Td (from ) Tj ET Q q 0 0 0 rg BT 270.66 534.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.53 534.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 313.06 534.10 Td (year) Tj ET Q q 0 0 0 rg BT 333.23 534.10 Td (, ) Tj ET Q q 0 0 0 rg BT 338.44 534.10 Td (due ) Tj ET Q q 0 0 0 rg BT 357.97 534.10 Td (to ) Tj ET Q q 0 0 0 rg BT 369.52 534.10 Td (net ) Tj ET Q q 0 0 0 rg BT 386.39 534.10 Td (client ) Tj ET Q q 0 0 0 rg BT 415.25 534.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 453.46 534.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.99 534.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.86 534.10 Td (ef) Tj ET Q q 0 0 0 rg BT 498.97 534.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 519.16 534.10 Td (of ) Tj ET Q q 0 0 0 rg BT 531.37 534.10 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 519.70 Td (market ) Tj ET Q q 0 0 0 rg BT 87.72 519.70 Td (levels, ) Tj ET Q q 0 0 0 rg BT 123.12 519.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 167.51 519.70 Td (of) Tj ET Q q 0 0 0 rg BT 177.29 519.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 199.03 519.70 Td (by ) Tj ET Q q 0 0 0 rg BT 215.44 519.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 247.17 519.70 Td (valuations ) Tj ET Q q 0 0 0 rg BT 300.90 519.70 Td (of ) Tj ET Q q 0 0 0 rg BT 315.30 519.70 Td (seed ) Tj ET Q q 0 0 0 rg BT 341.03 519.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 377.42 519.70 Td (investments. ) Tj ET Q q 0 0 0 rg BT 442.15 519.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 463.89 519.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 503.62 519.70 Td (income ) Tj ET Q q 0 0 0 rg BT 543.34 519.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 505.30 Td ($560million, ) Tj ET Q q 0 0 0 rg BT 117.29 505.30 Td (up ) Tj ET Q q 0 0 0 rg BT 131.91 505.30 Td ($1million, ) Tj ET Q q 0 0 0 rg BT 187.20 505.30 Td (or ) Tj ET Q q 0 0 0 rg BT 199.82 505.30 Td (flat ) Tj ET Q q 0 0 0 rg BT 218.43 505.30 Td (to ) Tj ET Q q 0 0 0 rg BT 230.38 505.30 Td (the ) Tj ET Q q 0 0 0 rg BT 247.66 505.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 273.61 505.30 Td (year) Tj ET Q q 0 0 0 rg BT 293.78 505.30 Td (, ) Tj ET Q q 0 0 0 rg BT 299.40 505.30 Td (due ) Tj ET Q q 0 0 0 rg BT 319.35 505.30 Td (to ) Tj ET Q q 0 0 0 rg BT 331.30 505.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 364.58 505.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 387.86 505.30 Td (and ) Tj ET Q q 0 0 0 rg BT 407.81 505.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 445.09 505.30 Td (balances, ) Tj ET Q q 0 0 0 rg BT 492.02 505.30 Td (predominantly ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 490.90 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 490.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 80.11 490.90 Td (by ) Tj ET Q q 0 0 0 rg BT 95.11 490.90 Td (narrower ) Tj ET Q q 0 0 0 rg BT 141.41 490.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 165.07 490.90 Td (spreads.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 470.50 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 96.99 470.50 Td (from ) Tj ET Q q 0 0 0 rg BT 125.32 470.50 Td (Private ) Tj ET Q q 0 0 0 rg BT 164.32 470.50 Td (Banking ) Tj ET Q q 0 0 0 rg BT 209.99 470.50 Td (was ) Tj ET Q q 0 0 0 rg BT 233.66 470.50 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 259.67 470.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 299.02 470.50 Td (up ) Tj ET Q q 0 0 0 rg BT 316.02 470.50 Td (4% ) Tj ET Q q 0 0 0 rg BT 337.03 470.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 389.34 470.50 Td (with ) Tj ET Q q 0 0 0 rg BT 415.69 470.50 Td (the ) Tj ET Q q 0 0 0 rg BT 435.35 470.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 463.69 470.50 Td (year) Tj ET Q q 0 0 0 rg BT 483.67 470.50 Td (. ) Tj ET Q q 0 0 0 rg BT 491.68 470.50 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 538.67 470.50 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 456.10 Td (Institutional ) Tj ET Q q 0 0 0 rg BT 111.00 456.10 Td (was ) Tj ET Q q 0 0 0 rg BT 132.66 456.10 Td ($500 ) Tj ET Q q 0 0 0 rg BT 159.66 456.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 200.33 456.10 Td (down ) Tj ET Q q 0 0 0 rg BT 229.99 456.10 Td (12%. ) Tj ET Q q 0 0 0 rg BT 257.99 456.10 Td (Retail ) Tj ET Q q 0 0 0 rg BT 289.65 456.10 Td (was ) Tj ET Q q 0 0 0 rg BT 311.31 456.10 Td ($769million, ) Tj ET Q q 0 0 0 rg BT 378.98 456.10 Td (up ) Tj ET Q q 0 0 0 rg BT 393.98 456.10 Td (20%. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 435.70 Td (Client ) Tj ET Q q 0 0 0 rg BT 82.93 435.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 114.53 435.70 Td (were ) Tj ET Q q 0 0 0 rg BT 141.44 435.70 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 166.04 435.70 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 205.30 435.70 Td (an ) Tj ET Q q 0 0 0 rg BT 220.23 435.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 263.13 435.70 Td (of ) Tj ET Q q 0 0 0 rg BT 276.73 435.70 Td ($223billion, ) Tj ET Q q 0 0 0 rg BT 341.66 435.70 Td (or ) Tj ET Q q 0 0 0 rg BT 355.26 435.70 Td (10%, ) Tj ET Q q 0 0 0 rg BT 383.85 435.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 434.76 435.70 Td (with ) Tj ET Q q 0 0 0 rg BT 459.69 435.70 Td (the ) Tj ET Q q 0 0 0 rg BT 477.95 435.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 504.88 435.70 Td (year) Tj ET Q q 0 0 0 rg BT 524.87 435.70 Td (. ) Tj ET Q q 0 0 0 rg BT 530.67 435.70 Td (Assets ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 421.30 Td (under ) Tj ET Q q 0 0 0 rg BT 80.88 421.30 Td (management ) Tj ET Q q 0 0 0 rg BT 145.75 421.30 Td (were ) Tj ET Q q 0 0 0 rg BT 172.63 421.30 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 197.19 421.30 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 236.41 421.30 Td (an ) Tj ET Q q 0 0 0 rg BT 251.30 421.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 294.17 421.30 Td (of ) Tj ET Q q 0 0 0 rg BT 307.72 421.30 Td ($165 ) Tj ET Q q 0 0 0 rg BT 335.29 421.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 373.18 421.30 Td (or ) Tj ET Q q 0 0 0 rg BT 386.74 421.30 Td (1) Tj ET Q q 0 0 0 rg BT 392.29 421.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 414.85 421.30 Td (from ) Tj ET Q q 0 0 0 rg BT 441.74 421.30 Td (the ) Tj ET Q q 0 0 0 rg BT 459.96 421.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.85 421.30 Td (year) Tj ET Q q 0 0 0 rg BT 507.02 421.30 Td (, ) Tj ET Q q 0 0 0 rg BT 513.58 421.30 Td (due ) Tj ET Q q 0 0 0 rg BT 534.46 421.30 Td (to ) Tj ET Q q 0 0 0 rg BT 547.36 421.30 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 406.90 Td (ef) Tj ET Q q 0 0 0 rg BT 59.11 406.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 79.53 406.90 Td (of ) Tj ET Q q 0 0 0 rg BT 91.96 406.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 125.06 406.90 Td (market ) Tj ET Q q 0 0 0 rg BT 160.81 406.90 Td (levels ) Tj ET Q q 0 0 0 rg BT 191.24 406.90 Td (and ) Tj ET Q q 0 0 0 rg BT 211.01 406.90 Td (net ) Tj ET Q q 0 0 0 rg BT 228.11 406.90 Td (inflows ) Tj ET Q q 0 0 0 rg BT 266.54 406.90 Td (to ) Tj ET Q q 0 0 0 rg BT 278.32 406.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 328.08 406.90 Td (products. ) Tj ET Q q 0 0 0 rg BT 374.84 406.90 Td (Custody) Tj ET Q q 0 0 0 rg BT 414.07 406.90 Td (, ) Tj ET Q q 0 0 0 rg BT 419.51 406.90 Td (brokerage, ) Tj ET Q q 0 0 0 rg BT 472.92 406.90 Td (administration ) Tj ET Q q 0 0 0 rg BT 544.68 406.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 392.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 88.28 392.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 133.21 392.50 Td (were ) Tj ET Q q 0 0 0 rg BT 160.14 392.50 Td ($746billion, ) Tj ET Q q 0 0 0 rg BT 225.10 392.50 Td (up ) Tj ET Q q 0 0 0 rg BT 240.71 392.50 Td ($58billion, ) Tj ET Q q 0 0 0 rg BT 299.67 392.50 Td (or ) Tj ET Q q 0 0 0 rg BT 313.28 392.50 Td (8%, ) Tj ET Q q 0 0 0 rg BT 335.90 392.50 Td (from ) Tj ET Q q 0 0 0 rg BT 362.84 392.50 Td (the ) Tj ET Q q 0 0 0 rg BT 381.12 392.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 408.06 392.50 Td (year) Tj ET Q q 0 0 0 rg BT 428.23 392.50 Td (, ) Tj ET Q q 0 0 0 rg BT 434.85 392.50 Td (due ) Tj ET Q q 0 0 0 rg BT 455.79 392.50 Td (to ) Tj ET Q q 0 0 0 rg BT 468.75 392.50 Td (the ) Tj ET Q q 0 0 0 rg BT 487.02 392.50 Td (ef) Tj ET Q q 0 0 0 rg BT 496.13 392.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 517.73 392.50 Td (of ) Tj ET Q q 0 0 0 rg BT 531.34 392.50 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 378.10 Td (market ) Tj ET Q q 0 0 0 rg BT 86.32 378.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 117.31 378.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.63 378.10 Td (custody ) Tj ET Q q 0 0 0 rg BT 177.96 378.10 Td (inflows, ) Tj ET Q q 0 0 0 rg BT 219.96 378.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 262.95 378.10 Td (of) Tj ET Q q 0 0 0 rg BT 272.73 378.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 293.05 378.10 Td (by ) Tj ET Q q 0 0 0 rg BT 308.05 378.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 359.02 378.10 Td (outflows.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 357.70 Td (The ) Tj ET Q q 0 0 0 rg BT 72.09 357.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.85 357.70 Td (for ) Tj ET Q q 0 0 0 rg BT 138.28 357.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 169.03 357.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 201.13 357.70 Td (was ) Tj ET Q q 0 0 0 rg BT 223.22 357.70 Td (a ) Tj ET Q q 0 0 0 rg BT 231.98 357.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 268.73 357.70 Td (of ) Tj ET Q q 0 0 0 rg BT 282.16 357.70 Td ($9 ) Tj ET Q q 0 0 0 rg BT 297.59 357.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 338.69 357.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 389.43 357.70 Td (with ) Tj ET Q q 0 0 0 rg BT 414.20 357.70 Td (a ) Tj ET Q q 0 0 0 rg BT 422.96 357.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 471.72 357.70 Td (for ) Tj ET Q q 0 0 0 rg BT 489.15 357.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 519.90 357.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.00 357.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 343.30 Td ($21 ) Tj ET Q q 0 0 0 rg BT 71.00 343.30 Td (million ) Tj ET Q q 0 0 0 rg BT 108.67 343.30 Td (in ) Tj ET Q q 0 0 0 rg BT 121.00 343.30 Td (the ) Tj ET Q q 0 0 0 rg BT 138.66 343.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 164.99 343.30 Td (year) Tj ET Q q 0 0 0 rg BT 184.98 343.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 322.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.57 322.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 151.81 322.90 Td (was ) Tj ET Q q 0 0 0 rg BT 174.06 322.90 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 198.65 322.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 236.57 322.90 Td (an ) Tj ET Q q 0 0 0 rg BT 251.48 322.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 294.38 322.90 Td (of ) Tj ET Q q 0 0 0 rg BT 307.96 322.90 Td ($199 ) Tj ET Q q 0 0 0 rg BT 335.55 322.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 376.80 322.90 Td (or ) Tj ET Q q 0 0 0 rg BT 390.39 322.90 Td (1) Tj ET Q q 0 0 0 rg BT 395.94 322.90 Td (1%, ) Tj ET Q q 0 0 0 rg BT 418.53 322.90 Td (from ) Tj ET Q q 0 0 0 rg BT 445.44 322.90 Td (the ) Tj ET Q q 0 0 0 rg BT 463.69 322.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.60 322.90 Td (year) Tj ET Q q 0 0 0 rg BT 510.77 322.90 Td (, ) Tj ET Q q 0 0 0 rg BT 517.36 322.90 Td (primarily ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 308.50 Td (due ) Tj ET Q q 0 0 0 rg BT 70.33 308.50 Td (to ) Tj ET Q q 0 0 0 rg BT 82.66 308.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 116.32 308.50 Td (headcount-related) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 202.27 313.94 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 206.17 308.50 Td ( ) Tj ET Q q 0 0 0 rg BT 209.17 308.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 250.82 308.50 Td (and ) Tj ET Q q 0 0 0 rg BT 271.14 308.50 Td (costs ) Tj ET Q q 0 0 0 rg BT 298.14 308.50 Td (related ) Tj ET Q q 0 0 0 rg BT 333.78 308.50 Td (to ) Tj ET Q q 0 0 0 rg BT 346.12 308.50 Td (the ) Tj ET Q q 0 0 0 rg BT 363.78 308.50 Td (control ) Tj ET Q q 0 0 0 rg BT 400.77 308.50 Td (agenda.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 270.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 270.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 270.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 270.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 270.10 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 261.14 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 261.14 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 261.14 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 261.14 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 261.14 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 261.14 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 261.14 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 261.14 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 261.14 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 261.14 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 238.71 cm /I57 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 241.30 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 241.30 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 241.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 241.30 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 241.30 Td (20% ) Tj ET Q q 0 0 0 rg BT 234.31 241.30 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 241.30 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 273.31 241.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 307.65 241.30 Td (of ) Tj ET Q q 0 0 0 rg BT 320.64 241.30 Td (average ) Tj ET Q q 0 0 0 rg BT 360.95 241.30 Td (allocated ) Tj ET Q q 0 0 0 rg BT 407.25 241.30 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 224.31 cm /I58 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 226.90 Td (Pretax ) Tj ET Q q 0 0 0 rg BT 137.66 226.90 Td (mar) Tj ET Q q 0 0 0 rg BT 156.10 226.90 Td (gin) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 171.43 232.34 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 175.33 226.90 Td ( ) Tj ET Q q 0 0 0 rg BT 178.33 226.90 Td (was ) Tj ET Q q 0 0 0 rg BT 199.99 226.90 Td (26%, ) Tj ET Q q 0 0 0 rg BT 227.99 226.90 Td (down ) Tj ET Q q 0 0 0 rg BT 257.65 226.90 Td (from ) Tj ET Q q 0 0 0 rg BT 283.98 226.90 Td (29% ) Tj ET Q q 0 0 0 rg BT 308.98 226.90 Td (in ) Tj ET Q q 0 0 0 rg BT 321.31 226.90 Td (the ) Tj ET Q q 0 0 0 rg BT 338.97 226.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 365.30 226.90 Td (year) Tj ET Q q 0 0 0 rg BT 385.28 226.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 209.91 cm /I59 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 212.50 Td (For ) Tj ET Q q 0 0 0 rg BT 123.14 212.50 Td (the ) Tj ET Q q 0 0 0 rg BT 140.27 212.50 Td (12 ) Tj ET Q q 0 0 0 rg BT 154.74 212.50 Td (months ) Tj ET Q q 0 0 0 rg BT 192.55 212.50 Td (ended ) Tj ET Q q 0 0 0 rg BT 223.68 212.50 Td (March ) Tj ET Q q 0 0 0 rg BT 257.47 212.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 274.94 212.50 Td (2014, ) Tj ET Q q 0 0 0 rg BT 304.41 212.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 334.88 212.50 Td (under ) Tj ET Q q 0 0 0 rg BT 364.67 212.50 Td (management ) Tj ET Q q 0 0 0 rg BT 428.45 212.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 472.88 212.50 Td (net ) Tj ET Q q 0 0 0 rg BT 490.01 212.50 Td (inflows ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 198.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.33 198.10 Td ($72 ) Tj ET Q q 0 0 0 rg BT 136.67 198.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 173.35 198.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 206.34 198.10 Td (by ) Tj ET Q q 0 0 0 rg BT 220.68 198.10 Td (net ) Tj ET Q q 0 0 0 rg BT 237.68 198.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 276.01 198.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.35 198.10 Td ($80 ) Tj ET Q q 0 0 0 rg BT 308.69 198.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 342.36 198.10 Td (to ) Tj ET Q q 0 0 0 rg BT 354.03 198.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 403.69 198.10 Td (products ) Tj ET Q q 0 0 0 rg BT 447.35 198.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.02 198.10 Td (net ) Tj ET Q q 0 0 0 rg BT 484.02 198.10 Td (outflows ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 183.70 Td (of ) Tj ET Q q 0 0 0 rg BT 116.54 183.70 Td ($8 ) Tj ET Q q 0 0 0 rg BT 131.08 183.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 164.95 183.70 Td (from ) Tj ET Q q 0 0 0 rg BT 190.82 183.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 234.03 183.70 Td (products. ) Tj ET Q q 0 0 0 rg BT 280.89 183.70 Td (For ) Tj ET Q q 0 0 0 rg BT 300.10 183.70 Td (the ) Tj ET Q q 0 0 0 rg BT 317.30 183.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 350.80 183.70 Td (, ) Tj ET Q q 0 0 0 rg BT 356.34 183.70 Td (net ) Tj ET Q q 0 0 0 rg BT 373.54 183.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 412.08 183.70 Td (were ) Tj ET Q q 0 0 0 rg BT 437.94 183.70 Td ($14 ) Tj ET Q q 0 0 0 rg BT 458.48 183.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 495.35 183.70 Td (driven ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 169.30 Td (by ) Tj ET Q q 0 0 0 rg BT 119.43 169.30 Td (net ) Tj ET Q q 0 0 0 rg BT 137.51 169.30 Td (inflows ) Tj ET Q q 0 0 0 rg BT 176.94 169.30 Td (of ) Tj ET Q q 0 0 0 rg BT 190.36 169.30 Td ($20 ) Tj ET Q q 0 0 0 rg BT 211.79 169.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 246.55 169.30 Td (to ) Tj ET Q q 0 0 0 rg BT 259.31 169.30 Td (long-term ) Tj ET Q q 0 0 0 rg BT 310.06 169.30 Td (products ) Tj ET Q q 0 0 0 rg BT 354.81 169.30 Td (and ) Tj ET Q q 0 0 0 rg BT 375.56 169.30 Td (net ) Tj ET Q q 0 0 0 rg BT 393.65 169.30 Td (outflows ) Tj ET Q q 0 0 0 rg BT 439.07 169.30 Td (of ) Tj ET Q q 0 0 0 rg BT 452.50 169.30 Td ($6 ) Tj ET Q q 0 0 0 rg BT 467.92 169.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 502.69 169.30 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 154.90 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 147.67 154.90 Td (products.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 137.91 cm /I60 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 140.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 124.33 140.50 Td (long-term ) Tj ET Q q 0 0 0 rg BT 174.65 140.50 Td (client ) Tj ET Q q 0 0 0 rg BT 204.30 140.50 Td (flows ) Tj ET Q q 0 0 0 rg BT 233.97 140.50 Td (were ) Tj ET Q q 0 0 0 rg BT 260.28 140.50 Td (positive ) Tj ET Q q 0 0 0 rg BT 301.28 140.50 Td (for ) Tj ET Q q 0 0 0 rg BT 318.27 140.50 Td (the ) Tj ET Q q 0 0 0 rg BT 335.93 140.50 Td (twentieth ) Tj ET Q q 0 0 0 rg BT 383.59 140.50 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 443.23 140.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 476.54 140.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 123.51 cm /I61 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 126.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 139.29 126.10 Td (under ) Tj ET Q q 0 0 0 rg BT 170.56 126.10 Td (management ) Tj ET Q q 0 0 0 rg BT 235.82 126.10 Td (ranked ) Tj ET Q q 0 0 0 rg BT 272.42 126.10 Td (in ) Tj ET Q q 0 0 0 rg BT 285.70 126.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.31 126.10 Td (top ) Tj ET Q q 0 0 0 rg BT 323.60 126.10 Td (two ) Tj ET Q q 0 0 0 rg BT 345.55 126.10 Td (quartiles ) Tj ET Q q 0 0 0 rg BT 390.82 126.10 Td (for ) Tj ET Q q 0 0 0 rg BT 408.76 126.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 465.37 126.10 Td (performance ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 111.70 Td (were ) Tj ET Q q 0 0 0 rg BT 130.31 111.70 Td (67% ) Tj ET Q q 0 0 0 rg BT 155.31 111.70 Td (over ) Tj ET Q q 0 0 0 rg BT 179.63 111.70 Td (5 ) Tj ET Q q 0 0 0 rg BT 188.63 111.70 Td (years, ) Tj ET Q q 0 0 0 rg BT 219.95 111.70 Td (68% ) Tj ET Q q 0 0 0 rg BT 244.95 111.70 Td (over ) Tj ET Q q 0 0 0 rg BT 269.27 111.70 Td (3 ) Tj ET Q q 0 0 0 rg BT 278.27 111.70 Td (years ) Tj ET Q q 0 0 0 rg BT 306.59 111.70 Td (and ) Tj ET Q q 0 0 0 rg BT 326.91 111.70 Td (65% ) Tj ET Q q 0 0 0 rg BT 351.91 111.70 Td (over ) Tj ET Q q 0 0 0 rg BT 376.23 111.70 Td (1 ) Tj ET Q q 0 0 0 rg BT 385.23 111.70 Td (year) Tj ET Q q 0 0 0 rg BT 405.22 111.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 94.71 cm /I62 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 97.30 Td (Customer ) Tj ET Q q 0 0 0 rg BT 153.66 97.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 184.66 97.30 Td (in ) Tj ET Q q 0 0 0 rg BT 196.99 97.30 Td (4 ) Tj ET Q q 0 0 0 rg BT 205.99 97.30 Td (and ) Tj ET Q q 0 0 0 rg BT 226.32 97.30 Td (5 ) Tj ET Q q 0 0 0 rg BT 235.32 97.30 Td (Star) Tj ET Q q 0 0 0 rg BT 254.41 97.30 Td (-rated ) Tj ET Q q 0 0 0 rg BT 285.39 97.30 Td (funds ) Tj ET Q q 0 0 0 rg BT 315.05 97.30 Td (were ) Tj ET Q q 0 0 0 rg BT 341.37 97.30 Td (47% ) Tj ET Q q 0 0 0 rg BT 366.37 97.30 Td (of ) Tj ET Q q 0 0 0 rg BT 379.36 97.30 Td (all ) Tj ET Q q 0 0 0 rg BT 394.36 97.30 Td (rated ) Tj ET Q q 0 0 0 rg BT 421.34 97.30 Td (mutual ) Tj ET Q q 0 0 0 rg BT 457.67 97.30 Td (fund ) Tj ET Q q 0 0 0 rg BT 482.66 97.30 Td (assets.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 80.31 cm /I63 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 82.90 Td (Client ) Tj ET Q q 0 0 0 rg BT 136.99 82.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 168.63 82.90 Td (were ) Tj ET Q q 0 0 0 rg BT 195.60 82.90 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 220.26 82.90 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 259.58 82.90 Td (a ) Tj ET Q q 0 0 0 rg BT 268.55 82.90 Td (record, ) Tj ET Q q 0 0 0 rg BT 305.85 82.90 Td (up ) Tj ET Q q 0 0 0 rg BT 321.51 82.90 Td (10% ) Tj ET Q q 0 0 0 rg BT 347.16 82.90 Td (from ) Tj ET Q q 0 0 0 rg BT 374.13 82.90 Td (the ) Tj ET Q q 0 0 0 rg BT 392.45 82.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 419.43 82.90 Td (year ) Tj ET Q q 0 0 0 rg BT 443.73 82.90 Td (and ) Tj ET Q q 0 0 0 rg BT 464.71 82.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 484.36 82.90 Td (from ) Tj ET Q q 0 0 0 rg BT 511.34 82.90 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 68.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 68.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 68.50 Td (.) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I64 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 740.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.62 740.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.82 740.70 Td (were ) Tj ET Q q 0 0 0 rg BT 201.00 740.70 Td ($95.7billion, ) Tj ET Q q 0 0 0 rg BT 268.21 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 276.40 740.70 Td (record, ) Tj ET Q q 0 0 0 rg BT 312.92 740.70 Td (up ) Tj ET Q q 0 0 0 rg BT 327.79 740.70 Td (20% ) Tj ET Q q 0 0 0 rg BT 352.65 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 378.85 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 396.38 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 422.58 740.70 Td (year ) Tj ET Q q 0 0 0 rg BT 446.09 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 466.29 740.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 485.16 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 511.35 740.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 726.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 726.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.31 cm /I65 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.85 711.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 188.38 711.90 Td (were ) Tj ET Q q 0 0 0 rg BT 214.89 711.90 Td ($96.9billion, ) Tj ET Q q 0 0 0 rg BT 282.43 711.90 Td (a ) Tj ET Q q 0 0 0 rg BT 290.96 711.90 Td (record, ) Tj ET Q q 0 0 0 rg BT 327.80 711.90 Td (up ) Tj ET Q q 0 0 0 rg BT 343.00 711.90 Td (19% ) Tj ET Q q 0 0 0 rg BT 368.19 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 394.72 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 412.58 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.10 711.90 Td (year ) Tj ET Q q 0 0 0 rg BT 462.95 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 483.48 711.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 502.67 711.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 697.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 697.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 697.50 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 680.51 cm /I66 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 683.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 683.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.86 683.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 189.31 683.10 Td (were ) Tj ET Q q 0 0 0 rg BT 215.74 683.10 Td ($149.4 ) Tj ET Q q 0 0 0 rg BT 251.85 683.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 289.30 683.10 Td (a ) Tj ET Q q 0 0 0 rg BT 297.74 683.10 Td (record, ) Tj ET Q q 0 0 0 rg BT 334.49 683.10 Td (up ) Tj ET Q q 0 0 0 rg BT 349.61 683.10 Td (7% ) Tj ET Q q 0 0 0 rg BT 368.72 683.10 Td (from ) Tj ET Q q 0 0 0 rg BT 395.16 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.93 683.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.37 683.10 Td (year ) Tj ET Q q 0 0 0 rg BT 463.13 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.57 683.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 502.68 683.10 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 668.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 668.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 668.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 651.71 cm /I67 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 654.30 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 158.91 654.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 200.49 654.30 Td (were ) Tj ET Q q 0 0 0 rg BT 226.06 654.30 Td ($147.8 ) Tj ET Q q 0 0 0 rg BT 261.31 654.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 297.90 654.30 Td (a ) Tj ET Q q 0 0 0 rg BT 305.48 654.30 Td (record, ) Tj ET Q q 0 0 0 rg BT 341.38 654.30 Td (up ) Tj ET Q q 0 0 0 rg BT 355.63 654.30 Td (6% ) Tj ET Q q 0 0 0 rg BT 373.88 654.30 Td (from ) Tj ET Q q 0 0 0 rg BT 399.46 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 416.37 654.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.95 654.30 Td (year ) Tj ET Q q 0 0 0 rg BT 464.85 654.30 Td (and ) Tj ET Q q 0 0 0 rg BT 484.43 654.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 502.68 654.30 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 639.90 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 639.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 639.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 639.90 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 602.10 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 602.10 Td (TE/PRIV) Tj ET Q q 0 0 0 rg BT 151.80 602.10 Td (A) Tj ET Q q 0 0 0 rg BT 159.14 602.10 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 50.5 591.6 m 50.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 591.6 m 231.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 591.6 m 231.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 591.6 m 276.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 591.6 m 280.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 591.6 m 280.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 591.6 m 325.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 591.6 m 329.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 591.6 m 329.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 591.6 m 374.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 591.6 m 378.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 591.6 m 378.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 591.6 m 423.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 564.6 m 423.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 591.6 m 468.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 564.6 m 468.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 591.6 m 472.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 564.6 m 472.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 591.6 m 472.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 591.6 m 517.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 564.6 m 517.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 591.6 m 562.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 591.6 m 562.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 564.6 m 562.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 564.6 m 50.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 549.6 m 231.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 564.6 m 231.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 549.6 m 276.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 549.6 m 280.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 564.6 m 280.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 549.6 m 325.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 549.6 m 329.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 564.6 m 329.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 549.6 m 374.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 549.6 m 378.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 564.6 m 378.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 549.6 m 423.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 564.6 m 423.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 549.6 m 468.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 549.6 m 472.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 564.6 m 472.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 549.6 m 517.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 564.6 m 517.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 564.6 m 562.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 549.6 m 562.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 549.6 m 50.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 534.6 m 231.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 549.6 m 231.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 534.6 m 276.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 534.6 m 280.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 549.6 m 280.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 534.6 m 325.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 534.6 m 329.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 549.6 m 329.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 534.6 m 374.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 534.6 m 378.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 549.6 m 378.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 534.6 m 423.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 549.6 m 423.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 534.6 m 468.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 534.6 m 472.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 549.6 m 472.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 534.6 m 517.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 549.6 m 517.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 549.6 m 562.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 534.6 m 562.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 534.6 m 50.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 519.6 m 231.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 534.6 m 231.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 519.6 m 276.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 519.6 m 280.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 534.6 m 280.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 519.6 m 325.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 519.6 m 329.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 534.6 m 329.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 519.6 m 374.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 519.6 m 378.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 534.6 m 378.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 519.6 m 423.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 534.6 m 423.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 534.6 m 468.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 519.6 m 468.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 519.6 m 472.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 534.6 m 472.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 519.6 m 517.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 534.6 m 517.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 534.6 m 562.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 534.6 m 562.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 519.6 m 562.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 519.6 m 50.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 504.6 m 231.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 519.6 m 231.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 504.6 m 276.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 504.6 m 280.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 519.6 m 280.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 504.6 m 325.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 504.6 m 329.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 519.6 m 329.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 504.6 m 374.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 504.6 m 378.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 519.6 m 378.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 504.6 m 423.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 519.6 m 423.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 504.6 m 468.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 504.6 m 472.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 519.6 m 472.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 504.6 m 517.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 519.6 m 517.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 519.6 m 562.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 519.6 m 562.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 504.6 m 562.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 504.6 m 50.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 489.6 m 231.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 504.6 m 231.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 489.6 m 276.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 489.6 m 280.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 504.6 m 280.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 489.6 m 325.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 489.6 m 329.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 504.6 m 329.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 489.6 m 374.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 489.6 m 378.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 504.6 m 378.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 489.6 m 423.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 504.6 m 423.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 489.6 m 468.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 489.6 m 472.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 504.6 m 472.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 489.6 m 517.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 504.6 m 517.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 504.6 m 562.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 489.6 m 562.5 489.6 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 580.52 Td (Results for ) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 569.52 Td (Corporate/Private Equity) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 569.52 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 569.52 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 554.47 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 554.47 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 554.47 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 554.47 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 554.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 554.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 554.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 554.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 539.47 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 539.47 Td (368) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 539.47 Td (1,752) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 350.10 539.47 Td (\(233) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 539.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 390.85 539.47 Td (\(1,384) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 539.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 539.47 Td (\(79) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 539.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 539.47 Td (601) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 539.47 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 524.47 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 257.60 524.47 Td (\(11) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 524.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 306.60 524.47 Td (\(13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 524.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 361.10 524.47 Td (\(3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 524.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 413.80 524.47 Td (2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 444.15 524.47 Td (15) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.10 524.47 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 524.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 532.60 524.47 Td (\(267) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 524.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 509.47 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 252.10 509.47 Td (\(166) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 509.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 509.47 Td (441) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 364.80 509.47 Td (2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 509.47 Td (\(607) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 509.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 509.47 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 509.47 Td (\(168) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 509.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 509.47 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 494.47 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 494.47 Td (340) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 494.47 Td (787) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 494.47 Td (250) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 494.47 Td (\(447) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 494.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 494.47 Td (\(57) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 494.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 494.47 Td (90) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.80 494.47 Td (36) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 494.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 461.30 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 446.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.33 446.90 Td (income ) Tj ET Q q 0 0 0 rg BT 108.65 446.90 Td (was ) Tj ET Q q 0 0 0 rg BT 130.31 446.90 Td ($340 ) Tj ET Q q 0 0 0 rg BT 157.31 446.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 197.98 446.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 248.29 446.90 Td (with ) Tj ET Q q 0 0 0 rg BT 272.62 446.90 Td (net ) Tj ET Q q 0 0 0 rg BT 290.28 446.90 Td (income ) Tj ET Q q 0 0 0 rg BT 328.60 446.90 Td (of ) Tj ET Q q 0 0 0 rg BT 341.60 446.90 Td ($250 ) Tj ET Q q 0 0 0 rg BT 368.60 446.90 Td (million ) Tj ET Q q 0 0 0 rg BT 406.27 446.90 Td (in ) Tj ET Q q 0 0 0 rg BT 418.60 446.90 Td (the ) Tj ET Q q 0 0 0 rg BT 436.26 446.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 462.59 446.90 Td (year) Tj ET Q q 0 0 0 rg BT 482.57 446.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 426.50 Td (Private ) Tj ET Q q 0 0 0 rg BT 87.38 426.50 Td (Equity ) Tj ET Q q 0 0 0 rg BT 122.78 426.50 Td (reported ) Tj ET Q q 0 0 0 rg BT 166.15 426.50 Td (net ) Tj ET Q q 0 0 0 rg BT 184.20 426.50 Td (income ) Tj ET Q q 0 0 0 rg BT 222.92 426.50 Td (of ) Tj ET Q q 0 0 0 rg BT 236.31 426.50 Td ($215 ) Tj ET Q q 0 0 0 rg BT 263.70 426.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 304.77 426.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 355.47 426.50 Td (with ) Tj ET Q q 0 0 0 rg BT 380.20 426.50 Td (a ) Tj ET Q q 0 0 0 rg BT 388.92 426.50 Td (net ) Tj ET Q q 0 0 0 rg BT 406.97 426.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 429.04 426.50 Td (of ) Tj ET Q q 0 0 0 rg BT 442.43 426.50 Td ($182 ) Tj ET Q q 0 0 0 rg BT 469.82 426.50 Td (million ) Tj ET Q q 0 0 0 rg BT 507.89 426.50 Td (in ) Tj ET Q q 0 0 0 rg BT 520.61 426.50 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 426.50 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 412.10 Td (. ) Tj ET Q q 0 0 0 rg BT 76.30 412.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 96.94 412.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 138.22 412.10 Td (was ) Tj ET Q q 0 0 0 rg BT 160.20 412.10 Td ($363 ) Tj ET Q q 0 0 0 rg BT 187.51 412.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 228.49 412.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 279.11 412.10 Td (with ) Tj ET Q q 0 0 0 rg BT 303.76 412.10 Td (a ) Tj ET Q q 0 0 0 rg BT 312.40 412.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 334.38 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.69 412.10 Td ($276 ) Tj ET Q q 0 0 0 rg BT 375.00 412.10 Td (million ) Tj ET Q q 0 0 0 rg BT 412.98 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 425.63 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.60 412.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 470.24 412.10 Td (year) Tj ET Q q 0 0 0 rg BT 490.41 412.10 Td (, ) Tj ET Q q 0 0 0 rg BT 496.72 412.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 544.69 412.10 Td (due ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 397.70 Td (to ) Tj ET Q q 0 0 0 rg BT 62.33 397.70 Td (net ) Tj ET Q q 0 0 0 rg BT 79.99 397.70 Td (valuation ) Tj ET Q q 0 0 0 rg BT 127.65 397.70 Td (gains ) Tj ET Q q 0 0 0 rg BT 155.98 397.70 Td (on ) Tj ET Q q 0 0 0 rg BT 170.98 397.70 Td (public ) Tj ET Q q 0 0 0 rg BT 203.97 397.70 Td (and ) Tj ET Q q 0 0 0 rg BT 224.30 397.70 Td (private ) Tj ET Q q 0 0 0 rg BT 260.62 397.70 Td (investments ) Tj ET Q q 0 0 0 rg BT 320.94 397.70 Td (and ) Tj ET Q q 0 0 0 rg BT 341.27 397.70 Td (gains ) Tj ET Q q 0 0 0 rg BT 369.60 397.70 Td (from ) Tj ET Q q 0 0 0 rg BT 395.93 397.70 Td (sales.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 377.30 Td (T) Tj ET Q q 0 0 0 rg BT 56.91 377.30 Td (reasury ) Tj ET Q q 0 0 0 rg BT 95.32 377.30 Td (and ) Tj ET Q q 0 0 0 rg BT 115.75 377.30 Td (CIO ) Tj ET Q q 0 0 0 rg BT 139.51 377.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 182.59 377.30 Td (a ) Tj ET Q q 0 0 0 rg BT 191.01 377.30 Td (net ) Tj ET Q q 0 0 0 rg BT 208.77 377.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 230.54 377.30 Td (of ) Tj ET Q q 0 0 0 rg BT 243.63 377.30 Td ($94 ) Tj ET Q q 0 0 0 rg BT 264.73 377.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 305.50 377.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 355.91 377.30 Td (with ) Tj ET Q q 0 0 0 rg BT 380.34 377.30 Td (net ) Tj ET Q q 0 0 0 rg BT 398.10 377.30 Td (income ) Tj ET Q q 0 0 0 rg BT 436.52 377.30 Td (of ) Tj ET Q q 0 0 0 rg BT 449.61 377.30 Td ($24 ) Tj ET Q q 0 0 0 rg BT 470.71 377.30 Td (million ) Tj ET Q q 0 0 0 rg BT 508.48 377.30 Td (in ) Tj ET Q q 0 0 0 rg BT 520.91 377.30 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 377.30 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 362.90 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 362.90 Td (. ) Tj ET Q q 0 0 0 rg BT 75.71 362.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 95.76 362.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 136.46 362.90 Td (was ) Tj ET Q q 0 0 0 rg BT 157.85 362.90 Td ($2 ) Tj ET Q q 0 0 0 rg BT 172.57 362.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 212.97 362.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 263.00 362.90 Td (with ) Tj ET Q q 0 0 0 rg BT 287.06 362.90 Td ($1) Tj ET Q q 0 0 0 rg BT 298.61 362.90 Td (13 ) Tj ET Q q 0 0 0 rg BT 313.34 362.90 Td (million ) Tj ET Q q 0 0 0 rg BT 350.73 362.90 Td (in ) Tj ET Q q 0 0 0 rg BT 362.79 362.90 Td (the ) Tj ET Q q 0 0 0 rg BT 380.18 362.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 406.23 362.90 Td (year) Tj ET Q q 0 0 0 rg BT 426.21 362.90 Td (. ) Tj ET Q q 0 0 0 rg BT 431.94 362.90 Td (Current-quarter ) Tj ET Q q 0 0 0 rg BT 509.29 362.90 Td (net ) Tj ET Q q 0 0 0 rg BT 526.68 362.90 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 348.50 Td (income ) Tj ET Q q 0 0 0 rg BT 87.45 348.50 Td (was ) Tj ET Q q 0 0 0 rg BT 108.25 348.50 Td (a ) Tj ET Q q 0 0 0 rg BT 115.70 348.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 136.51 348.50 Td (of ) Tj ET Q q 0 0 0 rg BT 148.64 348.50 Td ($87 ) Tj ET Q q 0 0 0 rg BT 168.77 348.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 208.57 348.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 258.01 348.50 Td (with ) Tj ET Q q 0 0 0 rg BT 281.47 348.50 Td (a ) Tj ET Q q 0 0 0 rg BT 288.93 348.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 309.74 348.50 Td (of ) Tj ET Q q 0 0 0 rg BT 321.86 348.50 Td ($472 ) Tj ET Q q 0 0 0 rg BT 347.99 348.50 Td (million ) Tj ET Q q 0 0 0 rg BT 384.80 348.50 Td (in ) Tj ET Q q 0 0 0 rg BT 396.26 348.50 Td (the ) Tj ET Q q 0 0 0 rg BT 413.05 348.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.51 348.50 Td (year) Tj ET Q q 0 0 0 rg BT 458.68 348.50 Td (, ) Tj ET Q q 0 0 0 rg BT 463.81 348.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 511.91 348.50 Td (the ) Tj ET Q q 0 0 0 rg BT 528.71 348.50 Td (benefit ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 63.00 334.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 96.65 334.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 134.97 334.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 160.63 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.95 334.10 Td (reinvestment ) Tj ET Q q 0 0 0 rg BT 245.93 334.10 Td (opportunities.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 313.70 Td (Other ) Tj ET Q q 0 0 0 rg BT 79.70 313.70 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 130.07 313.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 172.42 313.70 Td (net ) Tj ET Q q 0 0 0 rg BT 189.46 313.70 Td (income ) Tj ET Q q 0 0 0 rg BT 227.17 313.70 Td (of ) Tj ET Q q 0 0 0 rg BT 239.54 313.70 Td ($219 ) Tj ET Q q 0 0 0 rg BT 265.92 313.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 305.97 313.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 355.66 313.70 Td (with ) Tj ET Q q 0 0 0 rg BT 379.38 313.70 Td (net ) Tj ET Q q 0 0 0 rg BT 396.42 313.70 Td (income ) Tj ET Q q 0 0 0 rg BT 434.12 313.70 Td (of ) Tj ET Q q 0 0 0 rg BT 446.49 313.70 Td ($408 ) Tj ET Q q 0 0 0 rg BT 472.87 313.70 Td (million ) Tj ET Q q 0 0 0 rg BT 509.92 313.70 Td (in ) Tj ET Q q 0 0 0 rg BT 521.64 313.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 313.70 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 299.30 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 299.30 Td (. ) Tj ET Q q 0 0 0 rg BT 74.92 299.30 Td (The ) Tj ET Q q 0 0 0 rg BT 95.66 299.30 Td (current ) Tj ET Q q 0 0 0 rg BT 131.72 299.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 167.79 299.30 Td (included ) Tj ET Q q 0 0 0 rg BT 211.19 299.30 Td (an ) Tj ET Q q 0 0 0 rg BT 224.60 299.30 Td (after ) Tj ET Q q 0 0 0 rg BT 248.67 299.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 265.41 299.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 300.15 299.30 Td (of ) Tj ET Q q 0 0 0 rg BT 312.23 299.30 Td (approximately ) Tj ET Q q 0 0 0 rg BT 383.62 299.30 Td ($90 ) Tj ET Q q 0 0 0 rg BT 403.71 299.30 Td (million ) Tj ET Q q 0 0 0 rg BT 440.46 299.30 Td (for ) Tj ET Q q 0 0 0 rg BT 456.54 299.30 Td (writing ) Tj ET Q q 0 0 0 rg BT 493.29 299.30 Td (down ) Tj ET Q q 0 0 0 rg BT 522.04 299.30 Td (deferred ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 284.90 Td (tax ) Tj ET Q q 0 0 0 rg BT 68.04 284.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 99.42 284.90 Td (following ) Tj ET Q q 0 0 0 rg BT 149.46 284.90 Td (New ) Tj ET Q q 0 0 0 rg BT 174.99 284.90 Td (Y) Tj ET Q q 0 0 0 rg BT 182.46 284.90 Td (ork ) Tj ET Q q 0 0 0 rg BT 201.83 284.90 Td (State ) Tj ET Q q 0 0 0 rg BT 229.21 284.90 Td (tax ) Tj ET Q q 0 0 0 rg BT 247.25 284.90 Td (law ) Tj ET Q q 0 0 0 rg BT 267.95 284.90 Td (changes ) Tj ET Q q 0 0 0 rg BT 309.98 284.90 Td (enacted ) Tj ET Q q 0 0 0 rg BT 350.00 284.90 Td (March ) Tj ET Q q 0 0 0 rg BT 384.70 284.90 Td (31, ) Tj ET Q q 0 0 0 rg BT 403.08 284.90 Td (2014. ) Tj ET Q q 0 0 0 rg BT 433.21 284.90 Td (The ) Tj ET Q q 0 0 0 rg BT 455.25 284.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.95 284.90 Td (year ) Tj ET Q q 0 0 0 rg BT 505.98 284.90 Td (included ) Tj ET Q q 0 0 0 rg BT 550.68 284.90 Td (an ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 270.50 Td (after) Tj ET Q q 0 0 0 rg BT 71.74 270.50 Td (-tax ) Tj ET Q q 0 0 0 rg BT 93.39 270.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 129.71 270.50 Td (of ) Tj ET Q q 0 0 0 rg BT 142.71 270.50 Td ($227 ) Tj ET Q q 0 0 0 rg BT 169.71 270.50 Td (million ) Tj ET Q q 0 0 0 rg BT 207.38 270.50 Td (for ) Tj ET Q q 0 0 0 rg BT 224.37 270.50 Td (tax ) Tj ET Q q 0 0 0 rg BT 242.03 270.50 Td (adjustments.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 223.70 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 194.02 229.14 Td (\(*\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 213.20000000000005 m 50.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 213.20000000000005 m 231.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 213.20000000000005 m 231.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 213.20000000000005 m 276.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 213.20000000000005 m 280.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 213.20000000000005 m 280.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 213.20000000000005 m 325.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 213.20000000000005 m 329.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 213.20000000000005 m 329.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 213.20000000000005 m 374.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 213.20000000000005 m 378.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 213.20000000000005 m 378.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 213.20000000000005 m 423.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 198.20000000000005 m 423.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 213.20000000000005 m 468.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 198.20000000000005 m 468.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 213.20000000000005 m 472.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 198.20000000000005 m 472.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 213.20000000000005 m 472.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 213.20000000000005 m 517.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 198.20000000000005 m 517.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 213.20000000000005 m 562.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 213.20000000000005 m 562.5 213.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 198.20000000000005 m 562.5 198.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 198.20000000000005 m 50.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 183.20000000000005 m 231.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 198.20000000000005 m 231.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 183.20000000000005 m 276.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 183.20000000000005 m 280.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 198.20000000000005 m 280.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 183.20000000000005 m 325.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 183.20000000000005 m 329.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 198.20000000000005 m 329.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 183.20000000000005 m 374.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 183.20000000000005 m 378.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 198.20000000000005 m 378.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 183.20000000000005 m 423.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 198.20000000000005 m 423.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 183.20000000000005 m 468.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 183.20000000000005 m 472.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 198.20000000000005 m 472.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 183.20000000000005 m 517.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 198.20000000000005 m 517.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 198.20000000000005 m 562.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 183.20000000000005 m 562.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 183.20000000000005 m 50.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 168.20000000000005 m 231.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 183.20000000000005 m 231.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 183.20000000000005 m 276.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 168.20000000000005 m 276.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 168.20000000000005 m 280.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 183.20000000000005 m 280.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 183.20000000000005 m 325.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 168.20000000000005 m 325.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 168.20000000000005 m 329.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 183.20000000000005 m 329.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 183.20000000000005 m 374.5 183.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 168.20000000000005 m 374.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 168.20000000000005 m 378.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 183.20000000000005 m 378.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 168.20000000000005 m 423.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 183.20000000000005 m 423.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 168.20000000000005 m 472.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 183.20000000000005 m 472.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 168.20000000000005 m 517.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 183.20000000000005 m 517.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 183.20000000000005 m 562.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 168.20000000000005 m 562.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 168.20000000000005 m 50.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 153.20000000000005 m 231.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 168.20000000000005 m 231.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 168.20000000000005 m 276.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 153.20000000000005 m 276.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 153.20000000000005 m 280.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 168.20000000000005 m 280.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 168.20000000000005 m 325.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 153.20000000000005 m 325.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 153.20000000000005 m 329.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 168.20000000000005 m 329.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 168.20000000000005 m 374.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 153.20000000000005 m 374.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 153.20000000000005 m 378.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 168.20000000000005 m 378.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 153.20000000000005 m 423.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 168.20000000000005 m 423.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 168.20000000000005 m 468.5 168.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 153.20000000000005 m 468.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 153.20000000000005 m 472.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 168.20000000000005 m 472.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 153.20000000000005 m 517.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 168.20000000000005 m 517.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 168.20000000000005 m 562.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 153.20000000000005 m 562.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 153.20000000000005 m 50.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 138.20000000000005 m 231.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 153.20000000000005 m 231.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 153.20000000000005 m 276.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 138.20000000000005 m 276.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 138.20000000000005 m 280.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 153.20000000000005 m 280.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 153.20000000000005 m 325.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 138.20000000000005 m 325.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 138.20000000000005 m 329.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 153.20000000000005 m 329.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 153.20000000000005 m 374.5 153.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 138.20000000000005 m 374.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 138.20000000000005 m 378.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 153.20000000000005 m 378.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 138.20000000000005 m 423.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 153.20000000000005 m 423.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 138.20000000000005 m 468.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 138.20000000000005 m 472.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 153.20000000000005 m 472.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 138.20000000000005 m 517.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 153.20000000000005 m 517.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 153.20000000000005 m 562.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 138.20000000000005 m 562.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 138.20000000000005 m 50.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 123.20000000000005 m 231.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 138.20000000000005 m 231.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 138.20000000000005 m 276.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 123.20000000000005 m 276.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 123.20000000000005 m 280.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 138.20000000000005 m 280.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 138.20000000000005 m 325.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 123.20000000000005 m 325.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 123.20000000000005 m 329.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 138.20000000000005 m 329.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 138.20000000000005 m 374.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 123.20000000000005 m 374.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 123.20000000000005 m 378.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 138.20000000000005 m 378.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 123.20000000000005 m 423.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 138.20000000000005 m 423.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 138.20000000000005 m 468.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 123.20000000000005 m 468.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 123.20000000000005 m 472.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 138.20000000000005 m 472.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 138.20000000000005 m 517.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 138.20000000000005 m 517.5 138.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 123.20000000000005 m 517.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 138.20000000000005 m 517.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 138.20000000000005 m 562.5 123.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 123.20000000000005 m 562.5 123.20000000000005 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 203.07 Td (Results for JPM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 203.07 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 203.07 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 188.07 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 188.07 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 188.07 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 188.07 Td (1Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 188.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 188.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 188.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 188.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 173.07 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 173.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 173.07 Td (23,863) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 173.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 173.07 Td (24,112) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 173.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 173.07 Td (25,848) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 173.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 173.07 Td (\(249) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 173.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 173.07 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 173.07 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 173.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 484.85 173.07 Td (\(1,985) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 173.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 173.07 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 173.07 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 158.07 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 158.07 Td (850) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 158.07 Td (104) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 158.07 Td (617) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 158.07 Td (746) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 158.07 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 158.07 Td (233) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.15 158.07 Td (38) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 143.07 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 143.07 Td (14,636) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 143.07 Td (15,552) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 143.07 Td (15,423) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 143.07 Td (\(916) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 143.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 143.07 Td (\(6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 143.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 143.07 Td (\(787) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 143.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 143.07 Td (\(5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 143.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 128.07 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 128.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 128.07 Td (5,274) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 128.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 128.07 Td (5,278) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 128.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 128.07 Td (6,529) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 128.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.10 128.07 Td (\(4) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 128.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 451.45 128.07 Td (-) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 128.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 484.85 128.07 Td (\(1,255) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 128.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 128.07 Td (\(19) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 128.07 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 114.10 Td (\(*\) Presented on a managed basis. See notes on page 12 for further explanation of managed basis. Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 458.48 114.10 Td ( basis totaled ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.25 114.10 Td ($22,993 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 553.36 114.10 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 104.50 Td ($23,156 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 110.11 104.50 Td (, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 127.66 104.50 Td ($25,122 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 178.78 104.50 Td ( for the first quarter of 2014, fourth quarter of 2013, and first quarter of 2013, respectively) Tj ET Q q 0 0 0 rg BT 466.83 104.50 Td (. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 75.70 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 55.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.61 55.30 Td (income ) Tj ET Q q 0 0 0 rg BT 109.21 55.30 Td (was ) Tj ET Q q 0 0 0 rg BT 131.15 55.30 Td ($5.3 ) Tj ET Q q 0 0 0 rg BT 155.43 55.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.04 55.30 Td (down ) Tj ET Q q 0 0 0 rg BT 222.99 55.30 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 247.27 55.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 281.88 55.30 Td (from ) Tj ET Q q 0 0 0 rg BT 308.49 55.30 Td (the ) Tj ET Q q 0 0 0 rg BT 326.43 55.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 353.04 55.30 Td (year) Tj ET Q q 0 0 0 rg BT 373.02 55.30 Td (. ) Tj ET Q q 0 0 0 rg BT 379.07 55.30 Td (The ) Tj ET Q q 0 0 0 rg BT 401.00 55.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 445.58 55.30 Td (was ) Tj ET Q q 0 0 0 rg BT 467.52 55.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 501.46 55.30 Td (by ) Tj ET Q q 0 0 0 rg BT 516.74 55.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 547.34 55.30 Td (net ) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 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 /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 90.97 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 111.30 740.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 144.96 740.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 193.29 740.70 Td (for ) Tj ET Q q 0 0 0 rg BT 210.28 740.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 240.60 740.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 275.27 740.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 318.25 740.70 Td (of) Tj ET Q q 0 0 0 rg BT 328.03 740.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 348.36 740.70 Td (by ) Tj ET Q q 0 0 0 rg BT 363.36 740.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 393.68 740.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 450.00 740.70 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 720.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.96 720.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.57 720.30 Td (was ) Tj ET Q q 0 0 0 rg BT 131.86 720.30 Td ($23.9 ) Tj ET Q q 0 0 0 rg BT 161.50 720.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 198.47 720.30 Td (down ) Tj ET Q q 0 0 0 rg BT 227.77 720.30 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 251.40 720.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 288.37 720.30 Td (or ) Tj ET Q q 0 0 0 rg BT 301.00 720.30 Td (8%, ) Tj ET Q q 0 0 0 rg BT 322.63 720.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 372.57 720.30 Td (with ) Tj ET Q q 0 0 0 rg BT 396.54 720.30 Td (the ) Tj ET Q q 0 0 0 rg BT 413.83 720.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.79 720.30 Td (year) Tj ET Q q 0 0 0 rg BT 459.78 720.30 Td (. ) Tj ET Q q 0 0 0 rg BT 465.42 720.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.04 720.30 Td (revenue ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 705.90 Td (was ) Tj ET Q q 0 0 0 rg BT 71.71 705.90 Td ($13.0 ) Tj ET Q q 0 0 0 rg BT 101.75 705.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 139.13 705.90 Td (down ) Tj ET Q q 0 0 0 rg BT 168.85 705.90 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 192.89 705.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 230.27 705.90 Td (or ) Tj ET Q q 0 0 0 rg BT 243.31 705.90 Td (12%, ) Tj ET Q q 0 0 0 rg BT 271.36 705.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 321.71 705.90 Td (with ) Tj ET Q q 0 0 0 rg BT 346.09 705.90 Td (the ) Tj ET Q q 0 0 0 rg BT 363.79 705.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 390.17 705.90 Td (year) Tj ET Q q 0 0 0 rg BT 410.15 705.90 Td (. ) Tj ET Q q 0 0 0 rg BT 416.20 705.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 436.57 705.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 474.94 705.90 Td (income ) Tj ET Q q 0 0 0 rg BT 513.30 705.90 Td (was ) Tj ET Q q 0 0 0 rg BT 535.01 705.90 Td ($10.9 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 691.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 87.31 691.50 Td (down ) Tj ET Q q 0 0 0 rg BT 116.96 691.50 Td ($202 ) Tj ET Q q 0 0 0 rg BT 143.94 691.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 184.58 691.50 Td (or ) Tj ET Q q 0 0 0 rg BT 197.56 691.50 Td (2%, ) Tj ET Q q 0 0 0 rg BT 219.53 691.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 269.82 691.50 Td (with ) Tj ET Q q 0 0 0 rg BT 294.13 691.50 Td (the ) Tj ET Q q 0 0 0 rg BT 311.77 691.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 338.07 691.50 Td (year) Tj ET Q q 0 0 0 rg BT 358.24 691.50 Td (, ) Tj ET Q q 0 0 0 rg BT 364.22 691.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 413.17 691.50 Td (the ) Tj ET Q q 0 0 0 rg BT 430.81 691.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 466.44 691.50 Td (of ) Tj ET Q q 0 0 0 rg BT 479.41 691.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 509.71 691.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 533.35 691.50 Td (yields ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 677.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 100.65 677.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 137.65 677.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.98 677.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 213.64 677.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 261.96 677.10 Td (balances, ) Tj ET Q q 0 0 0 rg BT 309.27 677.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 382.26 677.10 Td (of) Tj ET Q q 0 0 0 rg BT 392.04 677.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 412.36 677.10 Td (by ) Tj ET Q q 0 0 0 rg BT 427.37 677.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 461.03 677.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 516.69 677.10 Td (securities ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 662.70 Td (yields, ) Tj ET Q q 0 0 0 rg BT 84.66 662.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 114.99 662.70 Td (long ) Tj ET Q q 0 0 0 rg BT 139.32 662.70 Td (term ) Tj ET Q q 0 0 0 rg BT 164.31 662.70 Td (debt ) Tj ET Q q 0 0 0 rg BT 187.97 662.70 Td (and ) Tj ET Q q 0 0 0 rg BT 208.30 662.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 245.96 662.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 284.28 662.70 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 642.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.97 642.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.62 642.30 Td (for ) Tj ET Q q 0 0 0 rg BT 137.92 642.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.55 642.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.54 642.30 Td (was ) Tj ET Q q 0 0 0 rg BT 222.51 642.30 Td ($850 ) Tj ET Q q 0 0 0 rg BT 249.83 642.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 290.81 642.30 Td (up ) Tj ET Q q 0 0 0 rg BT 306.12 642.30 Td ($233 ) Tj ET Q q 0 0 0 rg BT 333.44 642.30 Td (million ) Tj ET Q q 0 0 0 rg BT 371.42 642.30 Td (from ) Tj ET Q q 0 0 0 rg BT 398.06 642.30 Td (the ) Tj ET Q q 0 0 0 rg BT 416.03 642.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.67 642.30 Td (year) Tj ET Q q 0 0 0 rg BT 462.66 642.30 Td (. ) Tj ET Q q 0 0 0 rg BT 468.73 642.30 Td (The ) Tj ET Q q 0 0 0 rg BT 490.70 642.30 Td (total ) Tj ET Q q 0 0 0 rg BT 515.34 642.30 Td (consumer ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 627.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 99.23 627.90 Td (for ) Tj ET Q q 0 0 0 rg BT 117.13 627.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.34 627.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 180.91 627.90 Td (was ) Tj ET Q q 0 0 0 rg BT 203.47 627.90 Td ($807 ) Tj ET Q q 0 0 0 rg BT 231.37 627.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 272.94 627.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 324.15 627.90 Td (with ) Tj ET Q q 0 0 0 rg BT 349.38 627.90 Td ($545 ) Tj ET Q q 0 0 0 rg BT 377.28 627.90 Td (million ) Tj ET Q q 0 0 0 rg BT 415.85 627.90 Td (in ) Tj ET Q q 0 0 0 rg BT 429.08 627.90 Td (the ) Tj ET Q q 0 0 0 rg BT 447.64 627.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 474.87 627.90 Td (year) Tj ET Q q 0 0 0 rg BT 494.86 627.90 Td (. ) Tj ET Q q 0 0 0 rg BT 501.47 627.90 Td (The ) Tj ET Q q 0 0 0 rg BT 524.03 627.90 Td (current-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 613.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 86.59 613.50 Td (consumer ) Tj ET Q q 0 0 0 rg BT 135.85 613.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 183.80 613.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 228.37 613.50 Td (a ) Tj ET Q q 0 0 0 rg BT 236.31 613.50 Td ($449 ) Tj ET Q q 0 0 0 rg BT 262.92 613.50 Td (million ) Tj ET Q q 0 0 0 rg BT 300.20 613.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 348.13 613.50 Td (in ) Tj ET Q q 0 0 0 rg BT 360.07 613.50 Td (the ) Tj ET Q q 0 0 0 rg BT 377.34 613.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 428.59 613.50 Td (for ) Tj ET Q q 0 0 0 rg BT 445.19 613.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 468.46 613.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 502.74 613.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 552.66 613.50 Td (to ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 599.10 Td (a ) Tj ET Q q 0 0 0 rg BT 58.17 599.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 82.01 599.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 116.18 599.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 164.34 599.10 Td (in ) Tj ET Q q 0 0 0 rg BT 176.51 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.01 599.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 220.18 599.10 Td (year) Tj ET Q q 0 0 0 rg BT 240.17 599.10 Td (. ) Tj ET Q q 0 0 0 rg BT 245.80 599.10 Td (The ) Tj ET Q q 0 0 0 rg BT 267.30 599.10 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 342.09 599.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 391.59 599.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 443.06 599.10 Td (release ) Tj ET Q q 0 0 0 rg BT 479.21 599.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 526.70 599.10 Td (reflects ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 584.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 79.25 584.70 Td (estimated ) Tj ET Q q 0 0 0 rg BT 127.16 584.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 157.76 584.70 Td (in ) Tj ET Q q 0 0 0 rg BT 169.02 584.70 Td (the ) Tj ET Q q 0 0 0 rg BT 185.61 584.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 232.85 584.70 Td (and ) Tj ET Q q 0 0 0 rg BT 252.11 584.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 281.35 584.70 Td (card ) Tj ET Q q 0 0 0 rg BT 303.93 584.70 Td (portfolios. ) Tj ET Q q 0 0 0 rg BT 355.52 584.70 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 406.78 584.70 Td (net ) Tj ET Q q 0 0 0 rg BT 423.37 584.70 Td (char) Tj ET Q q 0 0 0 rg BT 443.80 584.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 468.90 584.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 479.49 584.70 Td (were ) Tj ET Q q 0 0 0 rg BT 504.73 584.70 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 527.66 584.70 Td (billion, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 570.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 99.06 570.30 Td (with ) Tj ET Q q 0 0 0 rg BT 122.16 570.30 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 144.91 570.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 178.00 570.30 Td (in ) Tj ET Q q 0 0 0 rg BT 189.09 570.30 Td (the ) Tj ET Q q 0 0 0 rg BT 205.51 570.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 230.59 570.30 Td (year) Tj ET Q q 0 0 0 rg BT 250.76 570.30 Td (, ) Tj ET Q q 0 0 0 rg BT 255.52 570.30 Td (resulting ) Tj ET Q q 0 0 0 rg BT 299.27 570.30 Td (in ) Tj ET Q q 0 0 0 rg BT 310.36 570.30 Td (net ) Tj ET Q q 0 0 0 rg BT 326.77 570.30 Td (char) Tj ET Q q 0 0 0 rg BT 347.21 570.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 372.31 570.30 Td (f ) Tj ET Q q 0 0 0 rg BT 378.06 570.30 Td (rates ) Tj ET Q q 0 0 0 rg BT 402.47 570.30 Td (of ) Tj ET Q q 0 0 0 rg BT 414.22 570.30 Td (1.42% ) Tj ET Q q 0 0 0 rg BT 446.97 570.30 Td (and ) Tj ET Q q 0 0 0 rg BT 466.06 570.30 Td (1.92%, ) Tj ET Q q 0 0 0 rg BT 501.81 570.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.00 570.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 555.90 Td (The ) Tj ET Q q 0 0 0 rg BT 72.66 555.90 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 124.65 555.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 173.99 555.90 Td (for ) Tj ET Q q 0 0 0 rg BT 191.99 555.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 223.31 555.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 255.99 555.90 Td (was ) Tj ET Q q 0 0 0 rg BT 278.66 555.90 Td ($43 ) Tj ET Q q 0 0 0 rg BT 300.66 555.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 342.34 555.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 393.66 555.90 Td (with ) Tj ET Q q 0 0 0 rg BT 419.00 555.90 Td ($72 ) Tj ET Q q 0 0 0 rg BT 441.00 555.90 Td (million ) Tj ET Q q 0 0 0 rg BT 479.68 555.90 Td (in ) Tj ET Q q 0 0 0 rg BT 493.02 555.90 Td (the ) Tj ET Q q 0 0 0 rg BT 511.69 555.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.02 555.90 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 555.90 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 541.50 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 103.32 541.50 Td (net ) Tj ET Q q 0 0 0 rg BT 120.66 541.50 Td (char) Tj ET Q q 0 0 0 rg BT 141.09 541.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 166.19 541.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 177.54 541.50 Td (were ) Tj ET Q q 0 0 0 rg BT 203.53 541.50 Td ($13 ) Tj ET Q q 0 0 0 rg BT 224.21 541.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 264.56 541.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 314.55 541.50 Td (with ) Tj ET Q q 0 0 0 rg BT 338.56 541.50 Td (net ) Tj ET Q q 0 0 0 rg BT 355.90 541.50 Td (char) Tj ET Q q 0 0 0 rg BT 376.33 541.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 401.44 541.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 412.78 541.50 Td (of ) Tj ET Q q 0 0 0 rg BT 425.46 541.50 Td ($35 ) Tj ET Q q 0 0 0 rg BT 446.13 541.50 Td (million ) Tj ET Q q 0 0 0 rg BT 483.48 541.50 Td (in ) Tj ET Q q 0 0 0 rg BT 495.50 541.50 Td (the ) Tj ET Q q 0 0 0 rg BT 512.84 541.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.84 541.50 Td (year) Tj ET Q q 0 0 0 rg BT 559.01 541.50 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 527.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 95.14 527.10 Td (in ) Tj ET Q q 0 0 0 rg BT 107.61 527.10 Td (net ) Tj ET Q q 0 0 0 rg BT 125.41 527.10 Td (char) Tj ET Q q 0 0 0 rg BT 145.85 527.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 170.95 527.10 Td (f ) Tj ET Q q 0 0 0 rg BT 178.09 527.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 203.88 527.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.02 527.10 Td (0.02% ) Tj ET Q q 0 0 0 rg BT 251.16 527.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.63 527.10 Td (0.05%, ) Tj ET Q q 0 0 0 rg BT 308.76 527.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 365.96 527.10 Td (. ) Tj ET Q q 0 0 0 rg BT 371.87 527.10 Td (The ) Tj ET Q q 0 0 0 rg BT 393.67 527.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 420.34 527.10 Td (s ) Tj ET Q q 0 0 0 rg BT 428.15 527.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 479.93 527.10 Td (for ) Tj ET Q q 0 0 0 rg BT 497.07 527.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 520.87 527.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.68 527.10 Td (to ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 512.70 Td (period-end ) Tj ET Q q 0 0 0 rg BT 105.39 512.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 134.14 512.70 Td (retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 172.78 518.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 176.68 512.70 Td ( ) Tj ET Q q 0 0 0 rg BT 180.10 512.70 Td (was ) Tj ET Q q 0 0 0 rg BT 202.18 512.70 Td (1.75%, ) Tj ET Q q 0 0 0 rg BT 239.59 512.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 290.31 512.70 Td (with ) Tj ET Q q 0 0 0 rg BT 315.06 512.70 Td (2.27% ) Tj ET Q q 0 0 0 rg BT 349.48 512.70 Td (in ) Tj ET Q q 0 0 0 rg BT 362.23 512.70 Td (the ) Tj ET Q q 0 0 0 rg BT 380.30 512.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 407.04 512.70 Td (year) Tj ET Q q 0 0 0 rg BT 427.03 512.70 Td (. ) Tj ET Q q 0 0 0 rg BT 433.20 512.70 Td (The ) Tj ET Q q 0 0 0 rg BT 455.27 512.70 Td (Firm? Tj ET Q q 0 0 0 rg BT 481.94 512.70 Td (s ) Tj ET Q q 0 0 0 rg BT 490.03 512.70 Td (nonperforming ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 498.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 80.45 498.30 Td (totaled ) Tj ET Q q 0 0 0 rg BT 115.56 498.30 Td ($9.5 ) Tj ET Q q 0 0 0 rg BT 139.02 498.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 175.81 498.30 Td (down ) Tj ET Q q 0 0 0 rg BT 204.94 498.30 Td (from ) Tj ET Q q 0 0 0 rg BT 230.72 498.30 Td (the ) Tj ET Q q 0 0 0 rg BT 247.83 498.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 273.62 498.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 310.05 498.30 Td (and ) Tj ET Q q 0 0 0 rg BT 329.83 498.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 355.62 498.30 Td (year ) Tj ET Q q 0 0 0 rg BT 378.72 498.30 Td (levels ) Tj ET Q q 0 0 0 rg BT 409.17 498.30 Td (of ) Tj ET Q q 0 0 0 rg BT 421.62 498.30 Td ($9.7 ) Tj ET Q q 0 0 0 rg BT 445.08 498.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 478.87 498.30 Td (and ) Tj ET Q q 0 0 0 rg BT 498.65 498.30 Td ($1) Tj ET Q q 0 0 0 rg BT 510.21 498.30 Td (1.7 ) Tj ET Q q 0 0 0 rg BT 527.67 498.30 Td (billion, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 483.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 107.19 483.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 463.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.03 463.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.71 463.50 Td (was ) Tj ET Q q 0 0 0 rg BT 172.42 463.50 Td ($14.6 ) Tj ET Q q 0 0 0 rg BT 202.46 463.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 239.83 463.50 Td (down ) Tj ET Q q 0 0 0 rg BT 269.54 463.50 Td ($787 ) Tj ET Q q 0 0 0 rg BT 296.58 463.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 337.29 463.50 Td (or ) Tj ET Q q 0 0 0 rg BT 350.32 463.50 Td (5%, ) Tj ET Q q 0 0 0 rg BT 372.36 463.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 422.70 463.50 Td (with ) Tj ET Q q 0 0 0 rg BT 447.08 463.50 Td (the ) Tj ET Q q 0 0 0 rg BT 464.78 463.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 491.14 463.50 Td (year) Tj ET Q q 0 0 0 rg BT 511.31 463.50 Td (, ) Tj ET Q q 0 0 0 rg BT 517.35 463.50 Td (primarily ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 449.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 84.89 449.10 Td (by ) Tj ET Q q 0 0 0 rg BT 101.13 449.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 132.68 449.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 228.86 449.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 299.75 449.10 Td (in ) Tj ET Q q 0 0 0 rg BT 313.32 449.10 Td (CIB ) Tj ET Q q 0 0 0 rg BT 337.56 449.10 Td (and ) Tj ET Q q 0 0 0 rg BT 359.12 449.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 390.67 449.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 440.23 449.10 Td (production ) Tj ET Q q 0 0 0 rg BT 496.45 449.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.01 449.10 Td (servicing ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 434.70 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 399.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 399.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 399.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 399.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 399.90 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 390.94 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 390.94 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 390.94 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 390.94 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 390.94 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 390.94 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 390.94 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 390.94 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 390.94 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 390.94 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 368.51 cm /I68 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 371.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 371.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 133.66 371.10 Td (III ) Tj ET Q q 0 0 0 rg BT 148.43 371.10 Td (T) Tj ET Q q 0 0 0 rg BT 155.34 371.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 171.00 371.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 180.00 371.10 Td (common ) Tj ET Q q 0 0 0 rg BT 224.99 371.10 Td (ratio) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 246.98 376.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 250.88 371.10 Td ( ) Tj ET Q q 0 0 0 rg BT 253.88 371.10 Td (was ) Tj ET Q q 0 0 0 rg BT 275.54 371.10 Td (9.5%.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 354.11 cm /I69 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 356.70 Td (Headcount ) Tj ET Q q 0 0 0 rg BT 158.98 356.70 Td (was ) Tj ET Q q 0 0 0 rg BT 180.64 356.70 Td (246,994, ) Tj ET Q q 0 0 0 rg BT 225.64 356.70 Td (a ) Tj ET Q q 0 0 0 rg BT 233.97 356.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 278.26 356.70 Td (of ) Tj ET Q q 0 0 0 rg BT 291.26 356.70 Td (8,904, ) Tj ET Q q 0 0 0 rg BT 324.26 356.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.57 356.70 Td (with ) Tj ET Q q 0 0 0 rg BT 398.90 356.70 Td (the ) Tj ET Q q 0 0 0 rg BT 416.56 356.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.89 356.70 Td (year) Tj ET Q q 0 0 0 rg BT 462.88 356.70 Td (.) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (1. ) Tj ET Q BT /F2 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F1 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 79.09 717.60 Td (addition ) Tj ET Q q 0 0 0 rg BT 114.62 717.60 Td (to ) Tj ET Q q 0 0 0 rg BT 125.16 717.60 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 166.79 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 181.77 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 209.67 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 238.54 717.60 Td (on ) Tj ET Q q 0 0 0 rg BT 251.30 717.60 Td (a ) Tj ET Q q 0 0 0 rg BT 258.50 717.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 294.58 717.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 319.84 717.60 Td (management ) Tj ET Q q 0 0 0 rg BT 373.69 717.60 Td (reviews ) Tj ET Q q 0 0 0 rg BT 407.55 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 422.52 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 450.42 717.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 503.73 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 532.60 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 717.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (results ) Tj ET Q q 0 0 0 rg BT 97.54 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 109.30 705.60 Td (the ) Tj ET Q q 0 0 0 rg BT 124.94 705.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 147.26 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 159.02 705.60 Td (business ) Tj ET Q q 0 0 0 rg BT 196.34 705.60 Td (on ) Tj ET Q q 0 0 0 rg BT 209.77 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 217.64 705.60 Td (managed?) Tj ET Q q 0 0 0 rg BT 266.04 705.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 291.96 705.60 Td (which ) Tj ET Q q 0 0 0 rg BT 319.83 705.60 Td (is ) Tj ET Q q 0 0 0 rg BT 329.93 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 337.80 705.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 382.98 705.60 Td ( ) Tj ET Q q 0 0 0 rg BT 386.41 705.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 424.82 705.60 Td (measure. ) Tj ET Q q 0 0 0 rg BT 463.82 705.60 Td (The ) Tj ET Q q 0 0 0 rg BT 482.80 705.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 511.37 705.60 Td (definition ) Tj ET Q q 0 0 0 rg BT 553.68 705.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 693.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 106.49 693.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 128.89 693.60 Td (starts ) Tj ET Q q 0 0 0 rg BT 152.40 693.60 Td (with ) Tj ET Q q 0 0 0 rg BT 172.58 693.60 Td (the ) Tj ET Q q 0 0 0 rg BT 187.20 693.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 222.91 693.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 243.10 693.60 Td (GAAP) Tj ET Q q 0 0 0 rg BT 269.95 693.60 Td ( ) Tj ET Q q 0 0 0 rg BT 272.35 693.60 Td (results ) Tj ET Q q 0 0 0 rg BT 300.86 693.60 Td (and ) Tj ET Q q 0 0 0 rg BT 317.70 693.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 353.42 693.60 Td (certain ) Tj ET Q q 0 0 0 rg BT 383.02 693.60 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 449.84 693.60 Td (to ) Tj ET Q q 0 0 0 rg BT 460.02 693.60 Td (present ) Tj ET Q q 0 0 0 rg BT 491.30 693.60 Td (total ) Tj ET Q q 0 0 0 rg BT 511.47 693.60 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (net ) Tj ET Q q 0 0 0 rg BT 82.99 681.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 117.40 681.60 Td (for ) Tj ET Q q 0 0 0 rg BT 131.84 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 146.82 681.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 169.04 681.60 Td (\(and ) Tj ET Q q 0 0 0 rg BT 189.58 681.60 Td (for ) Tj ET Q q 0 0 0 rg BT 204.01 681.60 Td (each ) Tj ET Q q 0 0 0 rg BT 225.10 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 236.20 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 251.19 681.60 Td (business ) Tj ET Q q 0 0 0 rg BT 287.85 681.60 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 331.17 681.60 Td (on ) Tj ET Q q 0 0 0 rg BT 343.94 681.60 Td (a ) Tj ET Q q 0 0 0 rg BT 351.15 681.60 Td (fully ) Tj ET Q q 0 0 0 rg BT 372.81 681.60 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 449.43 681.60 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 485.52 681.60 Td (basis. ) Tj ET Q q 0 0 0 rg BT 510.18 681.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 559.51 681.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 102.62 669.60 Td (from ) Tj ET Q q 0 0 0 rg BT 125.04 669.60 Td (investments ) Tj ET Q q 0 0 0 rg BT 175.79 669.60 Td (that ) Tj ET Q q 0 0 0 rg BT 193.77 669.60 Td (receive ) Tj ET Q q 0 0 0 rg BT 225.61 669.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 240.80 669.60 Td (credits ) Tj ET Q q 0 0 0 rg BT 270.44 669.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.85 669.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 335.81 669.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 376.55 669.60 Td (is ) Tj ET Q q 0 0 0 rg BT 386.20 669.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 427.50 669.60 Td (in ) Tj ET Q q 0 0 0 rg BT 438.25 669.60 Td (the ) Tj ET Q q 0 0 0 rg BT 453.45 669.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 492.52 669.60 Td (results ) Tj ET Q q 0 0 0 rg BT 521.61 669.60 Td (on ) Tj ET Q q 0 0 0 rg BT 534.59 669.60 Td (a ) Tj ET Q q 0 0 0 rg BT 542.00 669.60 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 657.60 Td (comparable ) Tj ET Q q 0 0 0 rg BT 118.61 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 130.37 657.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 163.21 657.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 204.95 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 223.36 657.60 Td (investments. ) Tj ET Q q 0 0 0 rg BT 277.32 657.60 Td (This ) Tj ET Q q 0 0 0 rg BT 299.07 657.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 344.26 657.60 Td ( ) Tj ET Q q 0 0 0 rg BT 348.23 657.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 387.18 657.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 424.47 657.60 Td (allows ) Tj ET Q q 0 0 0 rg BT 454.55 657.60 Td (management ) Tj ET Q q 0 0 0 rg BT 509.61 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 521.37 657.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 549.78 657.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (comparability ) Tj ET Q q 0 0 0 rg BT 125.84 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 136.47 645.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 170.42 645.60 Td (arising ) Tj ET Q q 0 0 0 rg BT 199.94 645.60 Td (from ) Tj ET Q q 0 0 0 rg BT 221.69 645.60 Td (both ) Tj ET Q q 0 0 0 rg BT 241.77 645.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 272.94 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.69 645.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 336.97 645.60 Td (sources. ) Tj ET Q q 0 0 0 rg BT 371.60 645.60 Td (The ) Tj ET Q q 0 0 0 rg BT 389.45 645.60 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 448.96 645.60 Td (income ) Tj ET Q q 0 0 0 rg BT 480.70 645.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.22 645.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 524.73 645.60 Td (related ) Tj ET Q q 0 0 0 rg BT 554.24 645.60 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.79 633.60 Td (items ) Tj ET Q q 0 0 0 rg BT 138.27 633.60 Td (is ) Tj ET Q q 0 0 0 rg BT 146.75 633.60 Td (recorded ) Tj ET Q q 0 0 0 rg BT 183.54 633.60 Td (within ) Tj ET Q q 0 0 0 rg BT 210.91 633.60 Td (income ) Tj ET Q q 0 0 0 rg BT 242.16 633.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 256.19 633.60 Td (expense. ) Tj ET Q q 0 0 0 rg BT 292.58 633.60 Td (These ) Tj ET Q q 0 0 0 rg BT 318.27 633.60 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 367.85 633.60 Td (have ) Tj ET Q q 0 0 0 rg BT 388.54 633.60 Td (no ) Tj ET Q q 0 0 0 rg BT 400.36 633.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 429.38 633.60 Td (on ) Tj ET Q q 0 0 0 rg BT 441.19 633.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 493.55 633.60 Td (net ) Tj ET Q q 0 0 0 rg BT 507.58 633.60 Td (income/\(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 621.60 Td (as ) Tj ET Q q 0 0 0 rg BT 78.83 621.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 114.65 621.60 Td (by ) Tj ET Q q 0 0 0 rg BT 127.15 621.60 Td (the ) Tj ET Q q 0 0 0 rg BT 141.86 621.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.81 621.60 Td (or ) Tj ET Q q 0 0 0 rg BT 174.64 621.60 Td (on ) Tj ET Q q 0 0 0 rg BT 187.14 621.60 Td (net ) Tj ET Q q 0 0 0 rg BT 201.86 621.60 Td (income/\(loss\) ) Tj ET Q q 0 0 0 rg BT 258.79 621.60 Td (as ) Tj ET Q q 0 0 0 rg BT 269.62 621.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 305.44 621.60 Td (by ) Tj ET Q q 0 0 0 rg BT 317.94 621.60 Td (the ) Tj ET Q q 0 0 0 rg BT 332.65 621.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 354.04 621.60 Td (of ) Tj ET Q q 0 0 0 rg BT 364.87 621.60 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 597.60 Td (b. ) Tj ET Q BT /F1 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 /F1 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 /F1 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 122.90 573.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 143.73 573.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 170.66 573.60 Td (Portfolios ) Tj ET Q q 0 0 0 rg BT 212.61 573.60 Td (net ) Tj ET Q q 0 0 0 rg BT 227.33 573.60 Td (char) Tj ET Q q 0 0 0 rg BT 244.35 573.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 265.27 573.60 Td (fs ) Tj ET Q q 0 0 0 rg BT 274.99 573.60 Td (and ) Tj ET Q q 0 0 0 rg BT 291.93 573.60 Td (net ) Tj ET Q q 0 0 0 rg BT 306.65 573.60 Td (char) Tj ET Q q 0 0 0 rg BT 323.67 573.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 344.59 573.60 Td (f ) Tj ET Q q 0 0 0 rg BT 350.42 573.60 Td (rates ) Tj ET Q q 0 0 0 rg BT 371.80 573.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 405.39 573.60 Td (the ) Tj ET Q q 0 0 0 rg BT 420.11 573.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 449.82 573.60 Td (of ) Tj ET Q q 0 0 0 rg BT 460.65 573.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 478.71 573.60 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 549.60 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 549.60 Td (T) Tj ET Q q 0 0 0 rg BT 73.41 549.60 Td (angible ) Tj ET Q q 0 0 0 rg BT 104.55 549.60 Td (common ) Tj ET Q q 0 0 0 rg BT 141.24 549.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 167.94 549.60 Td (\(TCE\) ) Tj ET Q q 0 0 0 rg BT 204.06 549.60 Td (and ) Tj ET Q q 0 0 0 rg BT 220.20 549.60 Td (return ) Tj ET Q q 0 0 0 rg BT 245.78 549.60 Td (on ) Tj ET Q q 0 0 0 rg BT 257.48 549.60 Td (tangible ) Tj ET Q q 0 0 0 rg BT 291.40 549.60 Td (common ) Tj ET Q q 0 0 0 rg BT 328.10 549.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 354.79 549.60 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 404.81 549.60 Td (are ) Tj ET Q q 0 0 0 rg BT 418.72 549.60 Td (each ) Tj ET Q q 0 0 0 rg BT 438.73 549.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 483.92 549.60 Td ( ) Tj ET Q q 0 0 0 rg BT 485.62 549.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 522.30 549.60 Td (measures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 537.60 Td (TCE ) Tj ET Q q 0 0 0 rg BT 89.72 537.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 133.10 537.60 Td (the ) Tj ET Q q 0 0 0 rg BT 148.15 537.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 170.38 537.60 Td (s ) Tj ET Q q 0 0 0 rg BT 177.10 537.60 Td (common ) Tj ET Q q 0 0 0 rg BT 214.93 537.60 Td (stockholders? Tj ET Q q 0 0 0 rg BT 268.07 537.60 Td ( ) Tj ET Q q 0 0 0 rg BT 270.90 537.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 298.74 537.60 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 319.62 537.60 Td (total ) Tj ET Q q 0 0 0 rg BT 340.23 537.60 Td (stockholders? Tj ET Q q 0 0 0 rg BT 393.36 537.60 Td ( ) Tj ET Q q 0 0 0 rg BT 396.20 537.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 424.03 537.60 Td (less ) Tj ET Q q 0 0 0 rg BT 441.87 537.60 Td (preferred ) Tj ET Q q 0 0 0 rg BT 481.34 537.60 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 508.61 537.60 Td (less ) Tj ET Q q 0 0 0 rg BT 526.45 537.60 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (and ) Tj ET Q q 0 0 0 rg BT 86.03 525.60 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 135.16 525.60 Td (intangible ) Tj ET Q q 0 0 0 rg BT 178.74 525.60 Td (assets ) Tj ET Q q 0 0 0 rg BT 205.66 525.60 Td (\(other ) Tj ET Q q 0 0 0 rg BT 233.13 525.60 Td (than ) Tj ET Q q 0 0 0 rg BT 253.94 525.60 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 288.37 525.60 Td (net ) Tj ET Q q 0 0 0 rg BT 304.18 525.60 Td (of ) Tj ET Q q 0 0 0 rg BT 316.10 525.60 Td (related ) Tj ET Q q 0 0 0 rg BT 346.90 525.60 Td (deferred ) Tj ET Q q 0 0 0 rg BT 383.79 525.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 399.60 525.60 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 442.91 525.60 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 479.28 525.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 520.08 525.60 Td (the ) Tj ET Q q 0 0 0 rg BT 535.89 525.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 558.11 525.60 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 104.01 513.60 Td (as ) Tj ET Q q 0 0 0 rg BT 114.46 513.60 Td (a ) Tj ET Q q 0 0 0 rg BT 121.03 513.60 Td (percentage ) Tj ET Q q 0 0 0 rg BT 166.46 513.60 Td (of ) Tj ET Q q 0 0 0 rg BT 176.77 513.60 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 200.13 513.60 Td (TCE ) Tj ET Q q 0 0 0 rg BT 221.14 513.60 Td (and ) Tj ET Q q 0 0 0 rg BT 237.71 513.60 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 272.62 513.60 Td (are ) Tj ET Q q 0 0 0 rg BT 286.96 513.60 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 334.63 513.60 Td (to ) Tj ET Q q 0 0 0 rg BT 344.53 513.60 Td (the ) Tj ET Q q 0 0 0 rg BT 358.88 513.60 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 382.96 513.60 Td (as ) Tj ET Q q 0 0 0 rg BT 393.42 513.60 Td (well ) Tj ET Q q 0 0 0 rg BT 412.76 513.60 Td (as ) Tj ET Q q 0 0 0 rg BT 423.22 513.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 457.57 513.60 Td (and ) Tj ET Q q 0 0 0 rg BT 474.13 513.60 Td (investors, ) Tj ET Q q 0 0 0 rg BT 514.87 513.60 Td (in ) Tj ET Q q 0 0 0 rg BT 524.78 513.60 Td (assessing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 501.60 Td (the ) Tj ET Q q 0 0 0 rg BT 82.72 501.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 104.94 501.60 Td (s ) Tj ET Q q 0 0 0 rg BT 111.33 501.60 Td (use ) Tj ET Q q 0 0 0 rg BT 127.17 501.60 Td (of ) Tj ET Q q 0 0 0 rg BT 138.00 501.60 Td (equity) Tj ET Q q 0 0 0 rg BT 162.34 501.60 Td (, ) Tj ET Q q 0 0 0 rg BT 167.34 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 178.17 501.60 Td (well ) Tj ET Q q 0 0 0 rg BT 197.89 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 208.72 501.60 Td (facilitating ) Tj ET Q q 0 0 0 rg BT 254.53 501.60 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 307.58 501.60 Td (of ) Tj ET Q q 0 0 0 rg BT 318.41 501.60 Td (the ) Tj ET Q q 0 0 0 rg BT 333.13 501.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 355.08 501.60 Td (with ) Tj ET Q q 0 0 0 rg BT 375.35 501.60 Td (competitors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 477.60 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 477.60 Td (T) Tj ET Q q 0 0 0 rg BT 73.76 477.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 86.63 477.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 93.95 477.60 Td (common ) Tj ET Q q 0 0 0 rg BT 131.27 477.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 160.25 477.60 Td (and ) Tj ET Q q 0 0 0 rg BT 177.01 477.60 Td (the ) Tj ET Q q 0 0 0 rg BT 191.38 477.60 Td (T) Tj ET Q q 0 0 0 rg BT 197.14 477.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 210.01 477.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 217.33 477.60 Td (common ) Tj ET Q q 0 0 0 rg BT 254.65 477.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 275.30 477.60 Td (under ) Tj ET Q q 0 0 0 rg BT 300.40 477.60 Td (the ) Tj ET Q q 0 0 0 rg BT 314.94 477.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 339.48 477.60 Td (III ) Tj ET Q q 0 0 0 rg BT 351.28 477.60 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 394.14 477.60 Td (Fully ) Tj ET Q q 0 0 0 rg BT 417.58 477.60 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 459.90 477.60 Td (rules ) Tj ET Q q 0 0 0 rg BT 481.66 477.60 Td (are ) Tj ET Q q 0 0 0 rg BT 496.19 477.60 Td (each ) Tj ET Q q 0 0 0 rg BT 516.83 477.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 562.02 477.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 465.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 106.34 465.60 Td (measures. ) Tj ET Q q 0 0 0 rg BT 148.66 465.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 198.57 465.60 Td (, ) Tj ET Q q 0 0 0 rg BT 204.42 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 220.00 465.60 Td (supplemental ) Tj ET Q q 0 0 0 rg BT 276.68 465.60 Td (leverage ) Tj ET Q q 0 0 0 rg BT 313.90 465.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 335.58 465.60 Td (\(SLR\) ) Tj ET Q q 0 0 0 rg BT 372.82 465.60 Td (under ) Tj ET Q q 0 0 0 rg BT 398.94 465.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 424.52 465.60 Td (III ) Tj ET Q q 0 0 0 rg BT 437.87 465.60 Td (rules ) Tj ET Q q 0 0 0 rg BT 460.67 465.60 Td (is ) Tj ET Q q 0 0 0 rg BT 470.69 465.60 Td (a ) Tj ET Q q 0 0 0 rg BT 478.49 465.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 523.68 465.60 Td ( ) Tj ET Q q 0 0 0 rg BT 527.03 465.60 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (measure. ) Tj ET Q q 0 0 0 rg BT 106.10 453.60 Td (These ) Tj ET Q q 0 0 0 rg BT 132.43 453.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 172.10 453.60 Td (are ) Tj ET Q q 0 0 0 rg BT 186.77 453.60 Td (used ) Tj ET Q q 0 0 0 rg BT 207.56 453.60 Td (by ) Tj ET Q q 0 0 0 rg BT 220.02 453.60 Td (management, ) Tj ET Q q 0 0 0 rg BT 276.07 453.60 Td (bank ) Tj ET Q q 0 0 0 rg BT 297.97 453.60 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 342.91 453.60 Td (investors ) Tj ET Q q 0 0 0 rg BT 381.48 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 398.38 453.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 433.05 453.60 Td (to ) Tj ET Q q 0 0 0 rg BT 443.29 453.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 470.20 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 487.09 453.60 Td (monitor ) Tj ET Q q 0 0 0 rg BT 521.22 453.60 Td (the ) Tj ET Q q 0 0 0 rg BT 535.90 453.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 558.12 453.60 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 441.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 97.67 441.60 Td (position. ) Tj ET Q q 0 0 0 rg BT 135.41 441.60 Td (For ) Tj ET Q q 0 0 0 rg BT 152.32 441.60 Td (additional ) Tj ET Q q 0 0 0 rg BT 195.33 441.60 Td (information ) Tj ET Q q 0 0 0 rg BT 245.56 441.60 Td (on ) Tj ET Q q 0 0 0 rg BT 258.36 441.60 Td (T) Tj ET Q q 0 0 0 rg BT 264.11 441.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 277.68 441.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 285.70 441.60 Td (common ) Tj ET Q q 0 0 0 rg BT 323.71 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 341.17 441.60 Td (the ) Tj ET Q q 0 0 0 rg BT 356.18 441.60 Td (T) Tj ET Q q 0 0 0 rg BT 361.94 441.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 375.50 441.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 383.52 441.60 Td (common ) Tj ET Q q 0 0 0 rg BT 421.53 441.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 442.88 441.60 Td (under ) Tj ET Q q 0 0 0 rg BT 468.66 441.60 Td (the ) Tj ET Q q 0 0 0 rg BT 483.90 441.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 509.13 441.60 Td (III ) Tj ET Q q 0 0 0 rg BT 521.47 441.60 Td (Advanced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (Fully ) Tj ET Q q 0 0 0 rg BT 92.15 429.60 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 135.17 429.60 Td (rules, ) Tj ET Q q 0 0 0 rg BT 160.14 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 177.61 429.60 Td (the ) Tj ET Q q 0 0 0 rg BT 192.86 429.60 Td (SLR ) Tj ET Q q 0 0 0 rg BT 214.24 429.60 Td (under ) Tj ET Q q 0 0 0 rg BT 240.04 429.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 265.29 429.60 Td (III ) Tj ET Q q 0 0 0 rg BT 278.31 429.60 Td (rules, ) Tj ET Q q 0 0 0 rg BT 303.28 429.60 Td (see ) Tj ET Q q 0 0 0 rg BT 319.08 429.60 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 366.54 429.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 396.23 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 409.26 429.60 Td (pages ) Tj ET Q q 0 0 0 rg BT 435.06 429.60 Td (161-165 ) Tj ET Q q 0 0 0 rg BT 471.42 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 482.79 429.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 509.28 429.60 Td (gan ) Tj ET Q q 0 0 0 rg BT 526.75 429.60 Td (Chase ) Tj ET Q q 0 0 0 rg BT 554.22 429.60 Td (& ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (Co.? Tj ET Q q 0 0 0 rg BT 84.95 417.60 Td (s ) Tj ET Q q 0 0 0 rg BT 90.79 417.60 Td (Annual ) Tj ET Q q 0 0 0 rg BT 122.73 417.60 Td (Report ) Tj ET Q q 0 0 0 rg BT 152.44 417.60 Td (on ) Tj ET Q q 0 0 0 rg BT 164.94 417.60 Td (Form ) Tj ET Q q 0 0 0 rg BT 189.11 417.60 Td (10-K ) Tj ET Q q 0 0 0 rg BT 212.17 417.60 Td (for ) Tj ET Q q 0 0 0 rg BT 226.33 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 241.04 417.60 Td (year ) Tj ET Q q 0 0 0 rg BT 260.75 417.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 287.13 417.60 Td (December ) Tj ET Q q 0 0 0 rg BT 330.71 417.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 345.71 417.60 Td (2013. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 393.60 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 393.60 Td (The ) Tj ET Q q 0 0 0 rg BT 87.56 393.60 Td (CIB ) Tj ET Q q 0 0 0 rg BT 108.24 393.60 Td (provides ) Tj ET Q q 0 0 0 rg BT 146.70 393.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 191.88 393.60 Td ( ) Tj ET Q q 0 0 0 rg BT 195.90 393.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 234.89 393.60 Td (measures, ) Tj ET Q q 0 0 0 rg BT 278.61 393.60 Td (as ) Tj ET Q q 0 0 0 rg BT 290.95 393.60 Td (such ) Tj ET Q q 0 0 0 rg BT 313.30 393.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 354.52 393.60 Td (are ) Tj ET Q q 0 0 0 rg BT 370.74 393.60 Td (used ) Tj ET Q q 0 0 0 rg BT 393.08 393.60 Td (by ) Tj ET Q q 0 0 0 rg BT 407.10 393.60 Td (management ) Tj ET Q q 0 0 0 rg BT 462.20 393.60 Td (to ) Tj ET Q q 0 0 0 rg BT 473.99 393.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 502.45 393.60 Td (the ) Tj ET Q q 0 0 0 rg BT 518.68 393.60 Td (underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 381.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 121.02 381.60 Td (of ) Tj ET Q q 0 0 0 rg BT 131.85 381.60 Td (the ) Tj ET Q q 0 0 0 rg BT 146.57 381.60 Td (business ) Tj ET Q q 0 0 0 rg BT 182.96 381.60 Td (and ) Tj ET Q q 0 0 0 rg BT 199.90 381.60 Td (for ) Tj ET Q q 0 0 0 rg BT 214.06 381.60 Td (comparability ) Tj ET Q q 0 0 0 rg BT 272.10 381.60 Td (with ) Tj ET Q q 0 0 0 rg BT 292.38 381.60 Td (peers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 365.60 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 365.60 Td (The ) Tj ET Q q 0 0 0 rg BT 121.79 365.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 142.36 365.60 Td (for ) Tj ET Q q 0 0 0 rg BT 156.27 365.60 Td (the ) Tj ET Q q 0 0 0 rg BT 170.73 365.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 213.51 365.60 Td (for ) Tj ET Q q 0 0 0 rg BT 227.41 365.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 246.87 365.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 273.01 365.60 Td (to ) Tj ET Q q 0 0 0 rg BT 283.03 365.60 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 340.25 365.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 363.61 365.60 Td (is ) Tj ET Q q 0 0 0 rg BT 372.52 365.60 Td (calculated ) Tj ET Q q 0 0 0 rg BT 415.30 365.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 456.97 365.60 Td (the ) Tj ET Q q 0 0 0 rg BT 471.44 365.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 500.89 365.60 Td (of ) Tj ET Q q 0 0 0 rg BT 511.47 365.60 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 353.60 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 180.66 353.60 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 228.98 353.60 Td (conduits ) Tj ET Q q 0 0 0 rg BT 265.09 353.60 Td (and ) Tj ET Q q 0 0 0 rg BT 281.76 353.60 Td (trade ) Tj ET Q q 0 0 0 rg BT 303.97 353.60 Td (finance ) Tj ET Q q 0 0 0 rg BT 335.62 353.60 Td (loans, ) Tj ET Q q 0 0 0 rg BT 361.46 353.60 Td (to ) Tj ET Q q 0 0 0 rg BT 371.46 353.60 Td (provide ) Tj ET Q q 0 0 0 rg BT 404.23 353.60 Td (a ) Tj ET Q q 0 0 0 rg BT 410.90 353.60 Td (more ) Tj ET Q q 0 0 0 rg BT 433.67 353.60 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 481.44 353.60 Td (assessment ) Tj ET Q q 0 0 0 rg BT 528.11 353.60 Td (of ) Tj ET Q q 0 0 0 rg BT 538.66 353.60 Td (CIB? Tj ET Q q 0 0 0 rg BT 558.11 353.60 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 341.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 147.03 341.60 Td (coverage ) Tj ET Q q 0 0 0 rg BT 185.62 341.60 Td (ratio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 325.60 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 325.60 Td (Prior ) Tj ET Q q 0 0 0 rg BT 126.74 325.60 Td (to ) Tj ET Q q 0 0 0 rg BT 137.26 325.60 Td (January ) Tj ET Q q 0 0 0 rg BT 171.10 325.60 Td (1, ) Tj ET Q q 0 0 0 rg BT 181.34 325.60 Td (2014, ) Tj ET Q q 0 0 0 rg BT 206.58 325.60 Td (the ) Tj ET Q q 0 0 0 rg BT 221.54 325.60 Td (CIB ) Tj ET Q q 0 0 0 rg BT 240.95 325.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 279.24 325.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 324.42 325.60 Td ( ) Tj ET Q q 0 0 0 rg BT 327.16 325.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 364.88 325.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 404.83 325.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 447.01 325.60 Td (the ) Tj ET Q q 0 0 0 rg BT 461.96 325.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 491.92 325.60 Td (of ) Tj ET Q q 0 0 0 rg BT 502.99 325.60 Td (FV) Tj ET Q q 0 0 0 rg BT 514.48 325.60 Td (A) Tj ET Q q 0 0 0 rg BT 521.15 325.60 Td ( ) Tj ET Q q 0 0 0 rg BT 523.89 325.60 Td (\(ef) Tj ET Q q 0 0 0 rg BT 534.81 325.60 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 313.60 Td (fourth ) Tj ET Q q 0 0 0 rg BT 130.91 313.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 161.70 313.60 Td (2013\) ) Tj ET Q q 0 0 0 rg BT 187.50 313.60 Td (and ) Tj ET Q q 0 0 0 rg BT 204.41 313.60 Td (DV) Tj ET Q q 0 0 0 rg BT 217.56 313.60 Td (A) Tj ET Q q 0 0 0 rg BT 224.23 313.60 Td ( ) Tj ET Q q 0 0 0 rg BT 226.70 313.60 Td (on ) Tj ET Q q 0 0 0 rg BT 239.17 313.60 Td (net ) Tj ET Q q 0 0 0 rg BT 253.86 313.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 287.97 313.60 Td (and ) Tj ET Q q 0 0 0 rg BT 304.88 313.60 Td (net ) Tj ET Q q 0 0 0 rg BT 319.57 313.60 Td (income. ) Tj ET Q q 0 0 0 rg BT 353.98 313.60 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 398.11 313.60 Td (in ) Tj ET Q q 0 0 0 rg BT 408.36 313.60 Td (the ) Tj ET Q q 0 0 0 rg BT 423.05 313.60 Td (first ) Tj ET Q q 0 0 0 rg BT 441.63 313.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 472.41 313.60 Td (2014, ) Tj ET Q q 0 0 0 rg BT 497.38 313.60 Td (the ) Tj ET Q q 0 0 0 rg BT 512.07 313.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 533.99 313.60 Td (did ) Tj ET Q q 0 0 0 rg BT 549.24 313.60 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 301.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 137.64 301.60 Td (FV) Tj ET Q q 0 0 0 rg BT 149.14 301.60 Td (A) Tj ET Q q 0 0 0 rg BT 155.81 301.60 Td ( ) Tj ET Q q 0 0 0 rg BT 158.36 301.60 Td (and ) Tj ET Q q 0 0 0 rg BT 175.35 301.60 Td (DV) Tj ET Q q 0 0 0 rg BT 188.50 301.60 Td (A) Tj ET Q q 0 0 0 rg BT 195.17 301.60 Td ( ) Tj ET Q q 0 0 0 rg BT 197.72 301.60 Td (from ) Tj ET Q q 0 0 0 rg BT 219.71 301.60 Td (its ) Tj ET Q q 0 0 0 rg BT 231.71 301.60 Td (assessment ) Tj ET Q q 0 0 0 rg BT 278.70 301.60 Td (of ) Tj ET Q q 0 0 0 rg BT 289.58 301.60 Td (business ) Tj ET Q q 0 0 0 rg BT 326.02 301.60 Td (performance; ) Tj ET Q q 0 0 0 rg BT 381.87 301.60 Td (however) Tj ET Q q 0 0 0 rg BT 415.90 301.60 Td (, ) Tj ET Q q 0 0 0 rg BT 420.95 301.60 Td (the ) Tj ET Q q 0 0 0 rg BT 435.72 301.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 457.72 301.60 Td (continued ) Tj ET Q q 0 0 0 rg BT 499.70 301.60 Td (to ) Tj ET Q q 0 0 0 rg BT 510.03 301.60 Td (present ) Tj ET Q q 0 0 0 rg BT 541.46 301.60 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 289.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 149.19 289.60 Td ( ) Tj ET Q q 0 0 0 rg BT 152.88 289.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 193.78 289.60 Td (for ) Tj ET Q q 0 0 0 rg BT 209.13 289.60 Td (the ) Tj ET Q q 0 0 0 rg BT 225.04 289.60 Td (periods ) Tj ET Q q 0 0 0 rg BT 258.17 289.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.29 289.60 Td (to ) Tj ET Q q 0 0 0 rg BT 292.76 289.60 Td (January ) Tj ET Q q 0 0 0 rg BT 327.55 289.60 Td (1, ) Tj ET Q q 0 0 0 rg BT 338.75 289.60 Td (2014, ) Tj ET Q q 0 0 0 rg BT 364.94 289.60 Td (as ) Tj ET Q q 0 0 0 rg BT 376.96 289.60 Td (they ) Tj ET Q q 0 0 0 rg BT 397.87 289.60 Td (reflected ) Tj ET Q q 0 0 0 rg BT 436.53 289.60 Td (how ) Tj ET Q q 0 0 0 rg BT 457.44 289.60 Td (management ) Tj ET Q q 0 0 0 rg BT 512.22 289.60 Td (assessed ) Tj ET Q q 0 0 0 rg BT 549.80 289.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 277.60 Td (underlying ) Tj ET Q q 0 0 0 rg BT 149.83 277.60 Td (business ) Tj ET Q q 0 0 0 rg BT 186.22 277.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 239.24 277.60 Td (of ) Tj ET Q q 0 0 0 rg BT 250.07 277.60 Td (the ) Tj ET Q q 0 0 0 rg BT 264.79 277.60 Td (CIB ) Tj ET Q q 0 0 0 rg BT 283.96 277.60 Td (in ) Tj ET Q q 0 0 0 rg BT 294.23 277.60 Td (those ) Tj ET Q q 0 0 0 rg BT 317.84 277.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 339.78 277.60 Td (periods.) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (2. ) Tj ET Q BT /F2 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F1 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 /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 681.60 Td (b. ) Tj ET Q BT /F1 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 111.75 681.60 Td (& ) Tj ET Q q 0 0 0 rg BT 122.17 681.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 172.60 681.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 209.13 681.60 Td (allocated ) Tj ET Q q 0 0 0 rg BT 247.86 681.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 275.50 681.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 311.47 681.60 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 331.61 681.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 360.37 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 371.34 681.60 Td (operational ) Tj ET Q q 0 0 0 rg BT 418.96 681.60 Td (risk ) Tj ET Q q 0 0 0 rg BT 436.61 681.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 465.90 681.60 Td (held ) Tj ET Q q 0 0 0 rg BT 485.76 681.60 Td (at ) Tj ET Q q 0 0 0 rg BT 495.62 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 510.48 681.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 554.23 681.60 Td (& ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 118.28 669.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 154.67 669.60 Td (level ) Tj ET Q q 0 0 0 rg BT 176.60 669.60 Td (related ) Tj ET Q q 0 0 0 rg BT 206.31 669.60 Td (to ) Tj ET Q q 0 0 0 rg BT 216.58 669.60 Td (legacy ) Tj ET Q q 0 0 0 rg BT 245.18 669.60 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 285.44 669.60 Td (servicing ) Tj ET Q q 0 0 0 rg BT 324.60 669.60 Td (matters.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 645.60 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 111.18 645.60 Td (& ) Tj ET Q q 0 0 0 rg BT 121.03 645.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 158.67 645.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 194.63 645.60 Td (deposit ) Tj ET Q q 0 0 0 rg BT 225.59 645.60 Td (rankings ) Tj ET Q q 0 0 0 rg BT 262.10 645.60 Td (are ) Tj ET Q q 0 0 0 rg BT 276.38 645.60 Td (based ) Tj ET Q q 0 0 0 rg BT 301.22 645.60 Td (on ) Tj ET Q q 0 0 0 rg BT 313.29 645.60 Td (the ) Tj ET Q q 0 0 0 rg BT 327.58 645.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 354.79 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 371.31 645.60 Td (peer ) Tj ET Q q 0 0 0 rg BT 390.59 645.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 437.10 645.60 Td (as ) Tj ET Q q 0 0 0 rg BT 447.50 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 457.90 645.60 Td (the ) Tj ET Q q 0 0 0 rg BT 472.19 645.60 Td (fourth ) Tj ET Q q 0 0 0 rg BT 498.70 645.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 529.09 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 539.49 645.60 Td (2013.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 621.60 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 621.60 Td (A) Tj ET Q q 0 0 0 rg BT 74.67 621.60 Td ( ) Tj ET Q q 0 0 0 rg BT 76.40 621.60 Td (household ) Tj ET Q q 0 0 0 rg BT 119.23 621.60 Td (is ) Tj ET Q q 0 0 0 rg BT 127.63 621.60 Td (a ) Tj ET Q q 0 0 0 rg BT 133.80 621.60 Td (collection ) Tj ET Q q 0 0 0 rg BT 174.95 621.60 Td (of ) Tj ET Q q 0 0 0 rg BT 185.01 621.60 Td (individuals ) Tj ET Q q 0 0 0 rg BT 231.18 621.60 Td (or ) Tj ET Q q 0 0 0 rg BT 241.24 621.60 Td (entities ) Tj ET Q q 0 0 0 rg BT 271.85 621.60 Td (aggregated ) Tj ET Q q 0 0 0 rg BT 317.44 621.60 Td (together ) Tj ET Q q 0 0 0 rg BT 351.93 621.60 Td (by ) Tj ET Q q 0 0 0 rg BT 363.66 621.60 Td (name, ) Tj ET Q q 0 0 0 rg BT 389.54 621.60 Td (address, ) Tj ET Q q 0 0 0 rg BT 423.76 621.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 437.70 621.60 Td (identifier ) Tj ET Q q 0 0 0 rg BT 476.08 621.60 Td (and ) Tj ET Q q 0 0 0 rg BT 492.25 621.60 Td (phone. ) Tj ET Q q 0 0 0 rg BT 520.91 621.60 Td (Consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 609.60 Td (& ) Tj ET Q q 0 0 0 rg BT 78.83 609.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 117.44 609.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 154.37 609.60 Td (households ) Tj ET Q q 0 0 0 rg BT 202.42 609.60 Td (are ) Tj ET Q q 0 0 0 rg BT 217.68 609.60 Td (households ) Tj ET Q q 0 0 0 rg BT 265.73 609.60 Td (that ) Tj ET Q q 0 0 0 rg BT 283.77 609.60 Td (have ) Tj ET Q q 0 0 0 rg BT 305.70 609.60 Td (a ) Tj ET Q q 0 0 0 rg BT 313.19 609.60 Td (personal ) Tj ET Q q 0 0 0 rg BT 350.11 609.60 Td (or ) Tj ET Q q 0 0 0 rg BT 361.49 609.60 Td (business ) Tj ET Q q 0 0 0 rg BT 398.43 609.60 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 432.87 609.60 Td (personal ) Tj ET Q q 0 0 0 rg BT 469.80 609.60 Td (investment ) Tj ET Q q 0 0 0 rg BT 516.73 609.60 Td (or ) Tj ET Q q 0 0 0 rg BT 528.11 609.60 Td (business ) Tj ET Q BT /F1 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 93.26 597.60 Td (relationship ) Tj ET Q q 0 0 0 rg BT 142.98 597.60 Td (with ) Tj ET Q q 0 0 0 rg BT 163.25 597.60 Td (Chase. ) Tj ET Q q 0 0 0 rg BT 192.69 597.60 Td (Reported ) Tj ET Q q 0 0 0 rg BT 231.85 597.60 Td (on ) Tj ET Q q 0 0 0 rg BT 244.35 597.60 Td (a ) Tj ET Q q 0 0 0 rg BT 251.29 597.60 Td (one-month ) Tj ET Q q 0 0 0 rg BT 297.11 597.60 Td (lag.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 573.60 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 573.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 110.01 573.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 147.03 573.60 Td (provision ) Tj ET Q q 0 0 0 rg BT 187.94 573.60 Td (for ) Tj ET Q q 0 0 0 rg BT 202.73 573.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 228.63 573.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 255.65 573.60 Td (is ) Tj ET Q q 0 0 0 rg BT 265.45 573.60 Td (included ) Tj ET Q q 0 0 0 rg BT 303.02 573.60 Td (in ) Tj ET Q q 0 0 0 rg BT 313.93 573.60 Td (the ) Tj ET Q q 0 0 0 rg BT 329.28 573.60 Td (functional ) Tj ET Q q 0 0 0 rg BT 372.95 573.60 Td (results ) Tj ET Q q 0 0 0 rg BT 402.19 573.60 Td (of ) Tj ET Q q 0 0 0 rg BT 413.66 573.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 435.11 573.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 462.68 573.60 Td (Portfolios, ) Tj ET Q q 0 0 0 rg BT 507.76 573.60 Td (in ) Tj ET Q q 0 0 0 rg BT 518.67 573.60 Td (production ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 561.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 102.71 561.60 Td (in ) Tj ET Q q 0 0 0 rg BT 112.99 561.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 154.36 561.60 Td (Production, ) Tj ET Q q 0 0 0 rg BT 203.25 561.60 Td (and ) Tj ET Q q 0 0 0 rg BT 220.19 561.60 Td (in ) Tj ET Q q 0 0 0 rg BT 230.47 561.60 Td (core ) Tj ET Q q 0 0 0 rg BT 250.17 561.60 Td (servicing ) Tj ET Q q 0 0 0 rg BT 289.33 561.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 324.04 561.60 Td (in ) Tj ET Q q 0 0 0 rg BT 334.31 561.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 375.69 561.60 Td (Servicing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 537.60 Td (f. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 537.60 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.39 537.60 Td (card ) Tj ET Q q 0 0 0 rg BT 114.99 537.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 136.83 537.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 169.22 537.60 Td (is ) Tj ET Q q 0 0 0 rg BT 178.28 537.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 218.99 537.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 260.82 537.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 312.64 537.60 Td (Card. ) Tj ET Q q 0 0 0 rg BT 336.98 537.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 377.15 537.60 Td (and ) Tj ET Q q 0 0 0 rg BT 393.98 537.60 Td (comparison ) Tj ET Q q 0 0 0 rg BT 443.03 537.60 Td (of ) Tj ET Q q 0 0 0 rg BT 453.76 537.60 Td (general ) Tj ET Q q 0 0 0 rg BT 485.58 537.60 Td (purpose ) Tj ET Q q 0 0 0 rg BT 519.63 537.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 544.79 537.60 Td (card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 89.94 525.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 122.43 525.60 Td (are ) Tj ET Q q 0 0 0 rg BT 137.14 525.60 Td (based ) Tj ET Q q 0 0 0 rg BT 162.41 525.60 Td (on ) Tj ET Q q 0 0 0 rg BT 174.91 525.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 221.85 525.60 Td (by ) Tj ET Q q 0 0 0 rg BT 234.35 525.60 Td (peers ) Tj ET Q q 0 0 0 rg BT 257.95 525.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.88 525.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 307.93 525.60 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 350.14 525.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 390.42 525.60 Td (are ) Tj ET Q q 0 0 0 rg BT 405.12 525.60 Td (as ) Tj ET Q q 0 0 0 rg BT 415.95 525.60 Td (of ) Tj ET Q q 0 0 0 rg BT 426.78 525.60 Td (the ) Tj ET Q q 0 0 0 rg BT 441.50 525.60 Td (fourth ) Tj ET Q q 0 0 0 rg BT 468.44 525.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 499.25 525.60 Td (of ) Tj ET Q q 0 0 0 rg BT 510.08 525.60 Td (2013.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 501.60 Td (g. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 501.60 Td (Asset ) Tj ET Q q 0 0 0 rg BT 93.40 501.60 Td (Management ) Tj ET Q q 0 0 0 rg BT 148.78 501.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 176.95 501.60 Td (mar) Tj ET Q q 0 0 0 rg BT 192.32 501.60 Td (gin ) Tj ET Q q 0 0 0 rg BT 208.27 501.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 251.99 501.60 Td (income ) Tj ET Q q 0 0 0 rg BT 284.61 501.60 Td (before ) Tj ET Q q 0 0 0 rg BT 313.32 501.60 Td (income ) Tj ET Q q 0 0 0 rg BT 345.94 501.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 361.33 501.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 396.72 501.60 Td (divided ) Tj ET Q q 0 0 0 rg BT 429.90 501.60 Td (by ) Tj ET Q q 0 0 0 rg BT 443.08 501.60 Td (total ) Tj ET Q q 0 0 0 rg BT 464.03 501.60 Td (net ) Tj ET Q q 0 0 0 rg BT 479.43 501.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 514.25 501.60 Td (which ) Tj ET Q q 0 0 0 rg BT 541.87 501.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 554.22 501.60 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (management's ) Tj ET Q q 0 0 0 rg BT 127.04 489.60 Td (view) Tj ET Q q 0 0 0 rg BT 145.83 489.60 Td (, ) Tj ET Q q 0 0 0 rg BT 150.59 489.60 Td (a ) Tj ET Q q 0 0 0 rg BT 157.28 489.60 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 220.07 489.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 255.64 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 266.23 489.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 293.47 489.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 346.25 489.60 Td (derived ) Tj ET Q q 0 0 0 rg BT 378.50 489.60 Td (by ) Tj ET Q q 0 0 0 rg BT 390.75 489.60 Td (measuring ) Tj ET Q q 0 0 0 rg BT 434.67 489.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 470.80 489.60 Td (after ) Tj ET Q q 0 0 0 rg BT 491.37 489.60 Td (all ) Tj ET Q q 0 0 0 rg BT 503.63 489.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 525.88 489.60 Td (are ) Tj ET Q q 0 0 0 rg BT 540.35 489.60 Td (taken ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 477.60 Td (into ) Tj ET Q q 0 0 0 rg BT 86.62 477.60 Td (consideration. ) Tj ET Q q 0 0 0 rg BT 146.06 477.60 Td (It ) Tj ET Q q 0 0 0 rg BT 155.23 477.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 167.46 477.60 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 209.11 477.60 Td (another ) Tj ET Q q 0 0 0 rg BT 242.16 477.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 265.22 477.60 Td (that ) Tj ET Q q 0 0 0 rg BT 283.28 477.60 Td (management ) Tj ET Q q 0 0 0 rg BT 337.44 477.60 Td (uses ) Tj ET Q q 0 0 0 rg BT 357.72 477.60 Td (to ) Tj ET Q q 0 0 0 rg BT 368.56 477.60 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 404.94 477.60 Td (the ) Tj ET Q q 0 0 0 rg BT 420.22 477.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 473.81 477.60 Td (of ) Tj ET Q q 0 0 0 rg BT 484.52 477.60 Td (Asset ) Tj ET Q q 0 0 0 rg BT 509.81 477.60 Td (Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 465.60 Td (against ) Tj ET Q q 0 0 0 rg BT 98.83 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 113.54 465.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 166.56 465.60 Td (of ) Tj ET Q q 0 0 0 rg BT 177.39 465.60 Td (its ) Tj ET Q q 0 0 0 rg BT 189.34 465.60 Td (peers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 441.60 Td (h. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 441.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.99 441.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.43 441.60 Td (of ) Tj ET Q q 0 0 0 rg BT 129.20 441.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.41 441.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.40 441.60 Td (to ) Tj ET Q q 0 0 0 rg BT 202.62 441.60 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.17 441.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.15 441.60 Td (new ) Tj ET Q q 0 0 0 rg BT 293.26 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 310.14 441.60 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.45 441.60 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.16 441.60 Td (including ) Tj ET Q q 0 0 0 rg BT 414.37 441.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.93 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 454.81 441.60 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.01 441.60 Td (The ) Tj ET Q q 0 0 0 rg BT 532.01 441.60 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 78.35 429.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 103.13 429.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.70 429.60 Td (to ) Tj ET Q q 0 0 0 rg BT 150.50 429.60 Td (small ) Tj ET Q q 0 0 0 rg BT 174.18 429.60 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.42 429.60 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.86 429.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.99 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.45 429.60 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.22 429.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.13 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 360.48 429.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.26 429.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 422.82 429.60 Td (by ) Tj ET Q q 0 0 0 rg BT 434.84 429.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 477.97 429.60 Td (& ) Tj ET Q q 0 0 0 rg BT 487.77 429.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.35 429.60 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (Card, ) Tj ET Q q 0 0 0 rg BT 93.10 417.60 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 134.58 417.60 Td (Services ) Tj ET Q q 0 0 0 rg BT 171.62 417.60 Td (& ) Tj ET Q q 0 0 0 rg BT 181.86 417.60 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 207.80 417.60 Td (and ) Tj ET Q q 0 0 0 rg BT 225.41 417.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 278.00 417.60 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 317.32 417.60 Td (The ) Tj ET Q q 0 0 0 rg BT 336.03 417.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 369.19 417.60 Td (of ) Tj ET Q q 0 0 0 rg BT 380.68 417.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.61 417.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 445.32 417.60 Td (to ) Tj ET Q q 0 0 0 rg BT 456.26 417.60 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 496.64 417.60 Td (and ) Tj ET Q q 0 0 0 rg BT 514.24 417.60 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (entities, ) Tj ET Q q 0 0 0 rg BT 102.02 405.60 Td (including ) Tj ET Q q 0 0 0 rg BT 142.42 405.60 Td (states, ) Tj ET Q q 0 0 0 rg BT 169.77 405.60 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 231.56 405.60 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 269.76 405.60 Td (and ) Tj ET Q q 0 0 0 rg BT 286.83 405.60 Td (universities, ) Tj ET Q q 0 0 0 rg BT 338.07 405.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 381.24 405.60 Td (that ) Tj ET Q q 0 0 0 rg BT 398.87 405.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 437.05 405.60 Td (by ) Tj ET Q q 0 0 0 rg BT 449.68 405.60 Td (the ) Tj ET Q q 0 0 0 rg BT 464.53 405.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 507.15 405.60 Td (& ) Tj ET Q q 0 0 0 rg BT 517.57 405.60 Td (Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 393.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.61 393.60 Td (and ) Tj ET Q q 0 0 0 rg BT 108.55 393.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 160.48 393.60 Td (Banking. ) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 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 /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (JPMor) Tj ET Q q 0 0 0 rg BT 81.79 726.30 Td (gan ) Tj ET Q q 0 0 0 rg BT 103.17 726.30 Td (Chase ) Tj ET Q q 0 0 0 rg BT 136.55 726.30 Td (& ) Tj ET Q q 0 0 0 rg BT 149.93 726.30 Td (Co. ) Tj ET Q q 0 0 0 rg BT 170.98 726.30 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 213.70 726.30 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 243.76 726.30 Td (is ) Tj ET Q q 0 0 0 rg BT 255.81 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 265.19 726.30 Td (leading ) Tj ET Q q 0 0 0 rg BT 304.56 726.30 Td (global ) Tj ET Q q 0 0 0 rg BT 338.61 726.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 384.63 726.30 Td (services ) Tj ET Q q 0 0 0 rg BT 427.33 726.30 Td (Firm ) Tj ET Q q 0 0 0 rg BT 454.72 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 476.10 726.30 Td (one ) Tj ET Q q 0 0 0 rg BT 497.47 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 511.52 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 530.23 726.30 Td (lar) Tj ET Q q 0 0 0 rg BT 542.67 726.30 Td (gest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 92.05 711.90 Td (institutions ) Tj ET Q q 0 0 0 rg BT 148.78 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 161.50 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 179.55 711.90 Td (United ) Tj ET Q q 0 0 0 rg BT 215.60 711.90 Td (States ) Tj ET Q q 0 0 0 rg BT 247.65 711.90 Td (of ) Tj ET Q q 0 0 0 rg BT 260.29 711.90 Td (America ) Tj ET Q q 0 0 0 rg BT 304.98 711.90 Td (\(U.S.\), ) Tj ET Q q 0 0 0 rg BT 340.71 711.90 Td (with ) Tj ET Q q 0 0 0 rg BT 365.43 711.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 418.80 711.90 Td (worldwide; ) Tj ET Q q 0 0 0 rg BT 476.85 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 494.89 711.90 Td (Firm ) Tj ET Q q 0 0 0 rg BT 521.62 711.90 Td (has ) Tj ET Q q 0 0 0 rg BT 541.00 711.90 Td ($2.5 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (trillion ) Tj ET Q q 0 0 0 rg BT 86.86 697.50 Td (in ) Tj ET Q q 0 0 0 rg BT 100.38 697.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 132.57 697.50 Td (and ) Tj ET Q q 0 0 0 rg BT 154.09 697.50 Td ($219.7 ) Tj ET Q q 0 0 0 rg BT 191.28 697.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 226.80 697.50 Td (in ) Tj ET Q q 0 0 0 rg BT 240.33 697.50 Td (stockholders? Tj ET Q q 0 0 0 rg BT 304.09 697.50 Td ( ) Tj ET Q q 0 0 0 rg BT 308.28 697.50 Td (equity) Tj ET Q q 0 0 0 rg BT 337.50 697.50 Td (. ) Tj ET Q q 0 0 0 rg BT 344.38 697.50 Td (The ) Tj ET Q q 0 0 0 rg BT 367.23 697.50 Td (Firm ) Tj ET Q q 0 0 0 rg BT 394.76 697.50 Td (is ) Tj ET Q q 0 0 0 rg BT 406.96 697.50 Td (a ) Tj ET Q q 0 0 0 rg BT 416.47 697.50 Td (leader ) Tj ET Q q 0 0 0 rg BT 449.97 697.50 Td (in ) Tj ET Q q 0 0 0 rg BT 463.50 697.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 520.35 697.50 Td (banking, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 93.96 683.10 Td (services ) Tj ET Q q 0 0 0 rg BT 134.59 683.10 Td (for ) Tj ET Q q 0 0 0 rg BT 150.57 683.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 203.88 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.19 683.10 Td (small ) Tj ET Q q 0 0 0 rg BT 251.17 683.10 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 306.82 683.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 365.45 683.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 409.09 683.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 453.05 683.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 507.68 683.10 Td (processing, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 76.38 668.70 Td (management ) Tj ET Q q 0 0 0 rg BT 140.73 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 161.11 668.70 Td (private ) Tj ET Q q 0 0 0 rg BT 197.47 668.70 Td (equity) Tj ET Q q 0 0 0 rg BT 226.69 668.70 Td (. ) Tj ET Q q 0 0 0 rg BT 232.07 668.70 Td (A) Tj ET Q q 0 0 0 rg BT 240.07 668.70 Td ( ) Tj ET Q q 0 0 0 rg BT 243.12 668.70 Td (component ) Tj ET Q q 0 0 0 rg BT 299.49 668.70 Td (of ) Tj ET Q q 0 0 0 rg BT 312.54 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 330.25 668.70 Td (Dow ) Tj ET Q q 0 0 0 rg BT 356.63 668.70 Td (Jones ) Tj ET Q q 0 0 0 rg BT 386.34 668.70 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 434.71 668.70 Td (A) Tj ET Q q 0 0 0 rg BT 442.49 668.70 Td (verage, ) Tj ET Q q 0 0 0 rg BT 480.51 668.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 512.30 668.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 532.68 668.70 Td (Chase ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 654.30 Td (& ) Tj ET Q q 0 0 0 rg BT 60.91 654.30 Td (Co. ) Tj ET Q q 0 0 0 rg BT 79.48 654.30 Td (serves ) Tj ET Q q 0 0 0 rg BT 111.05 654.30 Td (millions ) Tj ET Q q 0 0 0 rg BT 151.96 654.30 Td (of ) Tj ET Q q 0 0 0 rg BT 163.53 654.30 Td (consumers ) Tj ET Q q 0 0 0 rg BT 216.42 654.30 Td (in ) Tj ET Q q 0 0 0 rg BT 227.33 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 243.56 654.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 266.48 654.30 Td (and ) Tj ET Q q 0 0 0 rg BT 285.38 654.30 Td (many ) Tj ET Q q 0 0 0 rg BT 313.61 654.30 Td (of ) Tj ET Q q 0 0 0 rg BT 325.18 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 341.41 654.30 Td (world? Tj ET Q q 0 0 0 rg BT 372.74 654.30 Td (s ) Tj ET Q q 0 0 0 rg BT 378.99 654.30 Td (most ) Tj ET Q q 0 0 0 rg BT 403.90 654.30 Td (prominent ) Tj ET Q q 0 0 0 rg BT 454.79 654.30 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 504.67 654.30 Td (institutional ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 639.90 Td (and ) Tj ET Q q 0 0 0 rg BT 69.58 639.90 Td (government ) Tj ET Q q 0 0 0 rg BT 129.15 639.90 Td (clients ) Tj ET Q q 0 0 0 rg BT 162.72 639.90 Td (under ) Tj ET Q q 0 0 0 rg BT 192.29 639.90 Td (its ) Tj ET Q q 0 0 0 rg BT 205.88 639.90 Td (J.P) Tj ET Q q 0 0 0 rg BT 218.90 639.90 Td (. ) Tj ET Q q 0 0 0 rg BT 224.15 639.90 Td (Mor) Tj ET Q q 0 0 0 rg BT 244.60 639.90 Td (gan ) Tj ET Q q 0 0 0 rg BT 264.18 639.90 Td (and ) Tj ET Q q 0 0 0 rg BT 283.75 639.90 Td (Chase ) Tj ET Q q 0 0 0 rg BT 315.33 639.90 Td (brands. ) Tj ET Q q 0 0 0 rg BT 352.58 639.90 Td (Information ) Tj ET Q q 0 0 0 rg BT 412.14 639.90 Td (about ) Tj ET Q q 0 0 0 rg BT 441.05 639.90 Td (J.P) Tj ET Q q 0 0 0 rg BT 454.07 639.90 Td (. ) Tj ET Q q 0 0 0 rg BT 459.32 639.90 Td (Mor) Tj ET Q q 0 0 0 rg BT 479.77 639.90 Td (gan? Tj ET Q q 0 0 0 rg BT 500.43 639.90 Td (s ) Tj ET Q q 0 0 0 rg BT 507.35 639.90 Td (capabilities ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 625.50 Td (can ) Tj ET Q q 0 0 0 rg BT 69.99 625.50 Td (be ) Tj ET Q q 0 0 0 rg BT 84.65 625.50 Td (found ) Tj ET Q q 0 0 0 rg BT 115.98 625.50 Td (at ) Tj ET Q q 0 0 0 rg BT 127.98 625.50 Td (jpmor) Tj ET Q q 0 0 0 rg BT 156.42 625.50 Td (gan.com ) Tj ET Q q 0 0 0 rg BT 200.75 625.50 Td (and ) Tj ET Q q 0 0 0 rg BT 221.41 625.50 Td (about ) Tj ET Q q 0 0 0 rg BT 251.40 625.50 Td (Chase? Tj ET Q q 0 0 0 rg BT 284.06 625.50 Td (s ) Tj ET Q q 0 0 0 rg BT 292.07 625.50 Td (capabilities ) Tj ET Q q 0 0 0 rg BT 350.05 625.50 Td (at ) Tj ET Q q 0 0 0 rg BT 362.04 625.50 Td (chase.com. ) Tj ET Q q 0 0 0 rg BT 418.69 625.50 Td (Information ) Tj ET Q q 0 0 0 rg BT 479.34 625.50 Td (about ) Tj ET Q q 0 0 0 rg BT 509.34 625.50 Td (the ) Tj ET Q q 0 0 0 rg BT 527.33 625.50 Td (Firm ) Tj ET Q q 0 0 0 rg BT 554.00 625.50 Td (is ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 611.10 Td (available ) Tj ET Q q 0 0 0 rg BT 96.31 611.10 Td (at ) Tj ET Q BT /F1 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 107.97 611.10 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 133.19 611.10 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 164.63 611.10 Td (ganchase.com.) 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/F6 6.00 Tf ET q 0 0 0 rg BT 371.65 615.63 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 615.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 408.65 615.63 Td (\(8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 615.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 606.63 Td (Total noninterest expense) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 214.60 606.63 Td (14,636) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 268.60 606.63 Td (15,552) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 322.60 606.63 Td (15,423) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 371.65 606.63 Td (\(6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 606.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 408.65 606.63 Td (\(5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 606.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 597.63 Td (Pre-provision profit) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 217.95 597.63 Td (9,227) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 271.95 597.63 Td (8,560) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 322.60 597.63 Td (10,425) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 597.63 Td (8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.30 597.63 Td (\(11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 597.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 588.63 Td (Provision for credit losses) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 222.95 588.63 Td (850) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 276.95 588.63 Td (104) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 330.95 588.63 Td (617) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 366.65 588.63 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.30 588.63 Td (38) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 579.63 Td (NET INCOME) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 217.95 579.63 Td (5,274) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 271.95 579.63 Td (5,278) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.95 579.63 Td (6,529) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 375.00 579.63 Td (-) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 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6.00 Tf ET q 0 0 0 rg BT 329.30 548.63 Td (1.59) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 371.65 548.63 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 548.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.30 548.63 Td (\(19) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 548.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 539.63 Td (Cash dividends declared) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 221.25 539.63 Td (0.38) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 275.30 539.63 Td (0.38) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 292.00 539.63 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 329.30 539.63 Td (0.30) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 375.00 539.63 Td (-) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.30 539.63 Td (27) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 530.63 Td (Book value) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 217.95 530.63 Td (54.05) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 271.95 530.63 Td (53.25) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.95 530.63 Td (52.02) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 530.63 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 410.65 530.63 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 521.63 Td (Tangible book value \(b\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 217.95 521.63 Td (41.73) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 271.95 521.63 Td (40.81) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.95 521.63 Td (39.54) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 521.63 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 410.65 521.63 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 508.63 Td (Closing share price \(c\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 217.95 508.63 Td (60.71) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 271.95 508.63 Td (58.48) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.95 508.63 Td (47.46) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 508.63 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.30 508.63 Td (28) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 499.63 Td (Market capitalization) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 211.25 499.63 Td (229,770) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 265.30 499.63 Td (219,657) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 319.30 499.63 Td (179,863) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 499.63 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.30 499.63 Td (28) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 486.63 Td (COMMON SHARES OUTSTANDING) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 477.63 Td (Average: Basic) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.95 477.63 Td (3,787.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.95 477.63 Td (3,762.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.95 477.63 Td (3,818.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 477.63 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 408.65 477.63 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 477.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 468.63 Td ( Diluted) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.95 468.63 Td (3,823.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.95 468.63 Td (3,797.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.95 468.63 Td (3,847.0) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 468.63 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 408.65 468.63 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 468.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 459.63 Td (Common shares at period-end) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.95 459.63 Td (3,784.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.95 459.63 Td (3,756.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.95 459.63 Td (3,789.8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 459.63 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 412.00 459.63 Td (-) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 445.68115234375 m 118.4375 445.68115234375 l s q 0 0 0 rg BT 53.00 446.63 Td (FINANCIAL RATIOS \(d\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 437.63 Td (Return on common equity \("ROE"\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 226.25 437.63 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 238.00 437.63 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 280.30 437.63 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 292.00 437.63 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 334.30 437.63 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 346.00 437.63 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 428.28 Td (Return on tangible common equity \("ROTCE"\) \(b\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 226.25 428.28 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 280.30 428.28 Td (14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 334.30 428.28 Td (17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 417.63 Td (Return on assets) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 221.25 417.63 Td (0.89) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 275.30 417.63 Td (0.87) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 329.30 417.63 Td (1.14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 408.63 Td (Return on risk-weighted assets \(e\)\(f\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 221.25 408.63 Td (1.51) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 238.00 408.63 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 275.30 408.63 Td (1.52) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 329.30 408.63 Td (1.88) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 394.68115234375 m 109.994140625 394.68115234375 l s q 0 0 0 rg BT 53.00 395.63 Td (CAPITAL RATIOS \(f\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 386.63 Td (Tier 1 capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 221.25 386.63 Td (12.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 238.00 386.63 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 275.30 386.63 Td (11.9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 329.30 386.63 Td (11.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 377.63 Td (Total capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 221.25 377.63 Td (14.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 238.00 377.63 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 275.30 377.63 Td (14.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 329.30 377.63 Td (14.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 368.63 Td (Tier 1 common capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 221.25 368.63 Td (10.9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 238.00 368.63 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 275.30 368.63 Td (10.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 329.30 368.63 Td (10.2) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 350.33115234375 m 191.5537109375 350.33115234375 l s q 0 0 0 rg BT 53.00 351.28 Td (SELECTED BALANCE SHEET DATA \(period-end\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 340.63 Td (Total assets) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 198.00 340.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 206.25 340.63 Td (2,476,986) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 252.00 340.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 260.30 340.63 Td (2,415,689) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 306.00 340.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 314.30 340.63 Td (2,389,349) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 340.63 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 410.65 340.63 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 331.63 Td (Loans:) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 322.63 Td (Consumer, excluding credit card loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 211.25 322.63 Td (288,168) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 265.30 322.63 Td (289,063) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 319.30 322.63 Td (290,082) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 375.00 322.63 Td (-) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 408.65 322.63 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 322.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 313.63 Td (Credit card loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 211.25 313.63 Td (121,816) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 265.30 313.63 Td (127,791) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 319.30 313.63 Td (121,865) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 371.65 313.63 Td (\(5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 313.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 412.00 313.63 Td (-) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 304.63 Td (Wholesale loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 211.25 304.63 Td (320,987) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 265.30 304.63 Td (321,564) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 319.30 304.63 Td (316,939) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 375.00 304.63 Td (-) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 410.65 304.63 Td (1) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 65.00 295.63 Td (Total Loans) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 211.25 295.63 Td (730,971) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 265.30 295.63 Td (738,418) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 319.30 295.63 Td (728,886) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 371.65 295.63 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 295.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 412.00 295.63 Td (-) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 286.63 Td (Deposits) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 206.25 286.63 Td (1,282,705) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 260.30 286.63 Td (1,287,765) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 314.30 286.63 Td (1,202,507) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 375.00 286.63 Td (-) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 410.65 286.63 Td (7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 277.63 Td (Long-term debt \(g\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 211.25 277.63 Td (274,512) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 265.30 277.63 Td (267,889) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 319.30 277.63 Td (268,361) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 277.63 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 410.65 277.63 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 268.63 Td (Common stockholders' equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 211.25 268.63 Td (204,572) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 265.30 268.63 Td (200,020) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 319.30 268.63 Td (197,128) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 268.63 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 410.65 268.63 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 259.63 Td (Total stockholders' equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 211.25 259.63 Td (219,655) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 265.30 259.63 Td (211,178) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 319.30 259.63 Td (207,086) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 373.65 259.63 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 410.65 259.63 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 246.63 Td (Loans-to-deposits ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 226.25 246.63 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 238.00 246.63 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 280.30 246.63 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 292.00 246.63 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 334.30 246.63 Td (61) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 346.00 246.63 Td (%) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 233.63 Td (Headcount) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 211.25 233.63 Td (246,994) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 265.30 233.63 Td (251,196) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 319.30 233.63 Td (255,898) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 371.65 233.63 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 233.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 408.65 233.63 Td (\(3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 233.63 Td (\)) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 219.68115234375 m 148.3408203125 219.68115234375 l s q 0 0 0 rg BT 53.00 220.63 Td (LINE OF BUSINESS NET INCOME) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 211.63 Td (Consumer & Community Banking) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 198.00 211.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 217.95 211.63 Td (1,936) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 252.00 211.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 271.95 211.63 Td (2,372) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 306.00 211.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.95 211.63 Td (2,586) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.30 211.63 Td (\(18) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 211.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.30 211.63 Td (\(25) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 211.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 202.63 Td (Corporate & Investment Bank) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 217.95 202.63 Td (1,979) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 276.95 202.63 Td (858) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.95 202.63 Td (2,610) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 366.95 202.63 Td (131) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.30 202.63 Td (\(24) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 202.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 193.63 Td (Commercial Banking) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 222.95 193.63 Td (578) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 276.95 193.63 Td (693) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 330.95 193.63 Td (596) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.30 193.63 Td (\(17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 193.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 408.65 193.63 Td (\(3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 193.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 184.63 Td (Asset Management) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 222.95 184.63 Td (441) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 276.95 184.63 Td (568) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 330.95 184.63 Td (487) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.30 184.63 Td (\(22) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 184.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 408.65 184.63 Td (\(9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 184.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 175.63 Td (Corporate/Private Equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 222.95 175.63 Td (340) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 276.95 175.63 Td (787) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 330.95 175.63 Td (250) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.30 175.63 Td (\(57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 377.00 175.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.30 175.63 Td (36) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 166.63 Td (NET INCOME) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 198.00 166.63 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 217.95 166.63 Td (5,274) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 252.00 166.63 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 271.95 166.63 Td (5,278) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 306.00 166.63 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 325.95 166.63 Td (6,529) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 375.00 166.63 Td (-) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.30 166.63 Td (\(19) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 414.00 166.63 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 153.00 Td (\(a\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 153.00 Td (For a further discussion of managed basis, see) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 192.73 153.00 Td ( Note \(a\) on page 12.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 147.00 Td (\(b\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 147.00 Td (T) Tj ET Q q 0 0 0 rg BT 71.00 147.00 Td (angible book value per share and ROTCE are non-GAAP) Tj ET Q q 0 0 0 rg BT 222.98 147.00 Td ( financial measures. ) Tj ET Q q 0 0 0 rg BT 277.89 147.00 Td (T) Tj ET Q q 0 0 0 rg BT 280.89 147.00 Td (angible book value per share represents tangible common equity divided by period-end common shares. ROTCE ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 141.00 Td (measures the Firm's annualized earnings as a percentage of tangible common equity) Tj ET Q q 0 0 0 rg BT 293.49 141.00 Td (. For further discussion of these measures, see page 35) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 441.90 141.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 135.00 Td (\(c\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 135.00 Td (Share price shown is from the New ) Tj ET Q q 0 0 0 rg BT 162.60 135.00 Td (Y) Tj ET Q q 0 0 0 rg BT 166.05 135.00 Td (ork Stock Exchange. ) Tj ET Q q 0 0 0 rg BT 222.63 135.00 Td (The common stock is also listed and traded on the London Stock Exchange and the ) Tj ET Q q 0 0 0 rg BT 446.33 135.00 Td (T) Tj ET Q q 0 0 0 rg BT 449.33 135.00 Td (okyo Stock Exchange.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 508.70 135.00 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 129.00 Td (\(d\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 129.00 Td (Ratios are based upon annualized amounts.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 185.41 129.00 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 123.00 Td (\(e\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 123.00 Td (Return on Basel risk-weighted assets is annualized earnings divided by average risk-weighted assets.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 338.14 123.00 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 117.00 Td (\(f\) ) Tj ET Q q 0 0 0 rg BT 68.00 117.00 Td (Basel III rules became ef) Tj ET Q q 0 0 0 rg BT 133.92 117.00 Td (fective on January 1, 2014; all prior period data is based on Basel I rules. For a further discussion, see page 33 of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 111.00 Td (\(g\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 111.00 Td (Included unsecured long-term debt of $206.1 billion, $199.4 billion) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 243.12 111.00 Td ( and $206.1 billion for the periods ended March?1, 2014, December 31, 2013) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 449.59 111.00 Td ( and ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.94 111.00 Td (March 31, 2013) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 504.63 111.00 Td (, respectively) Tj ET Q q 0 0 0 rg BT 539.20 111.00 Td (.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 105.00 Td (\(h\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 105.00 Td (Estimated.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 99.00 Td (\(i\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 99.00 Td (On May 21, 2013, the Board of Directors increased the quarterly common stock dividend from $0.30 to $0.38 per share.) 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