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Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 761.26 Td (270 Park ) Tj ET Q q 0 0 0 rg BT 50.00 761.26 Td (A) Tj ET Q q 0 0 0 rg BT 55.83 761.26 Td (venue, New ) Tj ET Q q 0 0 0 rg BT 100.73 761.26 Td (Y) Tj ET Q q 0 0 0 rg BT 106.33 761.26 Td (ork, NY) Tj ET Q q 0 0 0 rg BT 135.49 761.26 Td ( 10017-2070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 752.26 Td (NYSE symbol: JPM) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 16 742.06005859375 m 109.2255859375 742.06005859375 l s q 0 0 1 rg BT 16.00 743.26 Td (www) Tj ET Q q 0 0 1 rg BT 34.91 743.26 Td (.jpmor) Tj ET Q q 0 0 1 rg BT 58.50 743.26 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 16.5 49 m 305.5 49 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 49 m 594.5 49 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 19.00 40.26 Td (Investor Contact: Sarah ) Tj ET Q q 0 0 0 rg BT 105.89 40.26 Td (Y) Tj ET Q q 0 0 0 rg BT 111.49 40.26 Td (oungwood \(212\) 270-7325) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 19.00 29.82 Td ( 1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 22.41 26.65 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 90.79 26.65 Td ( financial measures, including managed basis reporting, see page 6.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 19.00 18.70 Td ( For additional notes see page 7.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 40.26 Td (Media Contact: Joe Evangelisti \(212\) 270-7438) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 18.00 722.80 Td (News release: IMMEDIA) Tj ET Q q 0 0 0 rg BT 109.97 722.80 Td (TE RELEASE) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 138.85 709.00 Td (JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 270.72 709.00 Td (TS FIRST) Tj ET Q q 0 0 0 rg BT 313.99 709.00 Td (-QUAR) Tj ET Q q 0 0 0 rg BT 346.41 709.00 Td (TER 2015 NET) Tj ET Q q 0 0 0 rg BT 412.35 709.00 Td ( INCOME OF) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.85 693.20 Td ($5.9 BILLION, OR $1.45 PER SHARE, ON REVENUE) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 380.49 697.73 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.74 693.20 Td ( OF) Tj ET Q q 0 0 0 rg BT 399.76 693.20 Td ( $24.8 BILLION ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.40 677.40 Td (14% RETURN ON ) Tj ET Q q 0 0 0 rg BT 273.95 677.40 Td (T) Tj ET Q q 0 0 0 rg BT 279.87 677.40 Td (ANGIBLE COMMON EQUITY) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 419.33 681.93 Td (1) Tj ET Q 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 62.00 664.90 111.00 -32.00 re f /GS0 gs 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 182.00 664.90 125.00 -32.00 re f /GS0 gs 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 317.00 664.90 111.00 -32.00 re f /GS0 gs 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 438.00 664.90 111.00 -32.00 re f /GS0 gs BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 97.65 651.32 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 132.65 656.09 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 106.95 641.32 Td (14%) Tj ET Q BT /F3 10.00 Tf ET 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 187.05 658.60 104.83 -9.38 re f /GS0 gs q 1 1 1 rg BT 187.05 651.32 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 271.31 651.32 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 291.88 663.37 9.03 -9.38 re f /GS0 gs BT /F3 6.50 Tf ET q 1 1 1 rg BT 291.88 656.09 Td (1,2) Tj ET Q BT /F4 10.00 Tf ET 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 229.80 648.60 28.35 -9.38 re f /GS0 gs q 1 1 1 rg BT 229.80 641.32 Td (10.6%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 334.90 651.32 Td (Overhead ratio) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 405.48 656.09 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 361.95 641.32 Td (60%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 449.50 651.32 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 509.31 651.32 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 523.75 656.09 Td (3,12) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 482.95 641.32 Td (53%) Tj ET Q BT /F1 6.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 550.50 633.40 Td ( ) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 18.00 626.20 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 615.40 Td (STRONG UNDERL) Tj ET Q q 0 0 0 rg BT 95.44 615.40 Td (YING PERFORMANCE IN ) Tj ET Q q 0 0 0 rg BT 206.52 615.40 Td (THE FIRST) Tj ET Q q 0 0 0 rg BT 253.46 615.40 Td (-QUAR) Tj ET Q q 0 0 0 rg BT 282.64 615.40 Td (TER) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 301.14 619.48 Td (4) Tj ET Q 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 22.00 604.90 68.00 -22.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 22.00 582.90 68.00 -12.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 22.00 570.90 68.00 -22.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 22.00 536.90 68.00 -22.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 22.00 514.90 68.00 -12.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 22.00 502.90 68.00 -22.00 re f /GS0 gs 0.6705882352941176 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assets, up 12%) Tj ET Q BT /F3 7.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 35.65 574.90 Td (ROE of 17%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 92.50 570.69 cm /I2 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 103.50 574.16 Td (Active mobile customer base up 22%) Tj ET Q BT /F3 7.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 37.95 563.30 Td (OH of 58%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 92.50 558.64 cm /I3 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 103.50 562.16 Td (Credit card sales volume) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 192.72 566.24 Td (5 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 197.11 562.16 Td (up 8%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 46.85 519.52 Td (CIB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 92.50 524.64 cm /I4 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 103.50 528.16 Td (Maintained #1 ranking for Global Investment ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 103.50 519.16 Td (Banking fees with 8.6% wallet share for 1Q15) Tj ET Q BT /F3 7.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 35.65 506.90 Td (ROE of 16%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 92.50 502.69 cm /I5 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 103.50 506.16 Td (Higher Markets activity) Tj ET Q BT /F3 7.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 37.95 495.30 Td (OH of 59%) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 48.25 451.52 Td (CB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 92.50 456.64 cm /I6 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 103.50 460.16 Td (Period-end loan balances up 1) Tj ET Q q 0 0 0 rg BT 211.63 460.16 Td (1% ) Tj ET Q q 0 0 0 rg BT 225.54 460.16 Td (Y) Tj ET Q q 0 0 0 rg BT 231.14 460.16 Td (oY) Tj ET Q q 0 0 0 rg BT 240.98 460.16 Td (, and 3% QoQ; ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 103.50 451.16 Td (with 4% QoQ growth in C&I) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 208.74 455.24 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.67 451.16 Td ( loans and 3% QoQ ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 103.50 442.16 Td (growth in CRE) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 158.00 446.24 Td (7 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 162.39 442.16 Td (loans) Tj ET Q BT /F3 7.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 35.65 438.90 Td (ROE of 17%) Tj ET Q BT /F3 7.00 Tf ET q 1 1 1 rg BT 37.95 427.30 Td (OH of 41%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 92.50 422.64 cm /I7 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 103.50 426.16 Td (Record gross investment banking revenue with) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 103.50 417.16 Td (Commercial Banking clients, up 68%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 47.70 383.52 Td (AM) Tj ET Q /GS0 gs q 7.47 0 0 9.76 92.50 388.64 cm /I8 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 103.50 392.16 Td (T) Tj ET Q q 0 0 0 rg BT 108.37 392.16 Td (wenty-fourth consecutive quarter of positive net ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 103.50 383.16 Td (long-term flows to assets under management) Tj ET Q BT /F3 7.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 35.65 370.90 Td (ROE of 22%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 92.50 366.69 cm /I9 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 103.50 370.16 Td (Record assets under management, up 7%) Tj ET Q BT /F3 7.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 37.95 359.30 Td (OH of 72%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 92.50 354.64 cm /I10 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 103.50 358.16 Td (A) Tj ET Q q 0 0 0 rg BT 109.33 358.16 Td (verage loan balances up 8%) Tj ET Q BT /F1 10.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 314.00 622.90 271.00 -14.00 re f /GS0 gs 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0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 314 344.9 m 585 344.9 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 614.16 Td (Jamie Dimon, Chairman and CEO, commented on the lines of business:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 575.46 614.16 Td ( ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 596.15 Td (? Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 327.51 596.15 Td (Consumer & Community Banking) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 455.29 596.15 Td ( saw healthy gr) Tj ET Q q 0 0 0 rg BT 510.21 596.15 Td (owth in deposits, ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 587.15 Td (investment assets and loans and continued to deepen r) Tj ET Q q 0 0 0 rg BT 518.14 587.15 Td (elationships ?) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 578.15 Td (winning four TNS Choice ) Tj ET Q q 0 0 0 rg BT 416.35 578.15 Td (A) Tj ET Q q 0 0 0 rg BT 421.35 578.15 Td (war) Tj ET Q q 0 0 0 rg BT 435.02 578.15 Td (ds in 2015, including #1 in consumer ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 569.15 Td (r) Tj ET Q q 0 0 0 rg BT 325.67 569.15 Td (etail banking nationally for the thir) Tj ET Q q 0 0 0 rg BT 452.57 569.15 Td (d consecutive year) Tj ET Q q 0 0 0 rg BT 518.54 569.15 Td (. In Mortgage, ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 560.15 Td (we had higher originations and continued to add high-quality loans to ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 551.20 Td (our balance sheet while managing expenses.) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 528.15 Td (The ) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 338.25 528.15 Td (Corporate & Investment Bank) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 450.51 528.15 Td ( maintained its #1 ranking in ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 519.15 Td (Global IB fees with str) Tj ET Q q 0 0 0 rg BT 403.66 519.15 Td (ong fees acr) Tj ET Q q 0 0 0 rg BT 447.32 519.15 Td (oss pr) Tj ET Q q 0 0 0 rg BT 468.74 519.15 Td (oducts, and 100 bps of market ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 510.15 Td (shar) Tj ET Q q 0 0 0 rg BT 338.17 510.15 Td (e gains over the last year) Tj ET Q q 0 0 0 rg BT 427.90 510.15 Td (. The Markets business saw an incr) Tj ET Q q 0 0 0 rg BT 554.32 510.15 Td (ease in ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 501.15 Td (activity in both Fixed Income and Equity Markets.) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 322.50 460.30 Td (Commercial Banking) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 402.26 460.30 Td ( generated healthy loan gr) Tj ET Q q 0 0 0 rg BT 497.41 460.30 Td (owth in both C&I) Tj ET Q BT /F5 9.00 Tf ET BT /F5 5.85 Tf ET q 0 0 0 rg BT 560.66 464.38 Td (6) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 563.59 460.30 Td ( and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 451.15 Td (CRE) Tj ET Q BT /F5 9.00 Tf ET BT /F5 5.85 Tf ET q 0 0 0 rg BT 339.50 455.23 Td (7) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 342.42 451.15 Td ( and also deliver) Tj ET Q q 0 0 0 rg BT 402.33 451.15 Td (ed an impr) Tj ET Q q 0 0 0 rg BT 440.99 451.15 Td (essive incr) Tj ET Q q 0 0 0 rg BT 478.90 451.15 Td (ease in gr) Tj ET Q q 0 0 0 rg BT 514.06 451.15 Td (oss investment ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 442.15 Td (banking r) Tj ET Q q 0 0 0 rg BT 356.91 442.15 Td (evenue with Commer) Tj ET Q q 0 0 0 rg BT 432.56 442.15 Td (cial Banking clients.) Tj ET Q BT /F5 9.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 322.50 439.40 2.25 -8.19 re f /GS0 gs q 0 0 0 rg BT 322.50 433.15 Td ( ) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 322.50 392.30 Td (Asset Management) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 393.26 392.30 Td ( had $16 billion of net long-term inflows, generated ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 383.15 Td (str) Tj ET Q q 0 0 0 rg BT 331.67 383.15 Td (ong investment performance and continued to gr) Tj ET Q q 0 0 0 rg BT 506.81 383.15 Td (ow loan and deposit ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.50 374.15 Td (balances.? Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 334.9 m 593.5 334.9 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 318.95 Td (SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 77.85 318.95 Td ( ITEMS) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 303.25 cm /I11 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 305.10 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 305.10 Td (First-quarter results included as a significant item $487 million \(aftertax\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 292.68 309.18 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.60 305.10 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 293.20 Td (legal expense \($0.13 per share aftertax decrease in earnings\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 247.14 297.28 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 276.40 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 276.40 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 258.75 cm /I12 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 260.60 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 260.60 Td (T) Tj ET Q q 0 0 0 rg BT 34.87 260.60 Td (angible book value per share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 138.33 264.68 Td (1,16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 148.57 260.60 Td ( of $45.45, up 9% ) Tj ET Q q 0 0 0 rg BT 214.98 260.60 Td (Y) Tj ET Q q 0 0 0 rg BT 220.58 260.60 Td (oY) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 242.95 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 244.80 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 244.80 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 244.80 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 244.80 Td (ier 1) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 143.24 248.88 Td (1,2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 152.01 244.80 Td (of $167 billion, or ratio of 10.6% ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 227.15 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 229.00 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 229.00 Td (Compliant with U.S. LCR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 124.26 233.08 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 127.18 229.00 Td ( ?HQLA) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 161.18 233.08 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 167.03 229.00 Td ( of $614 billion) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 211.35 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 213.20 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 213.20 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 217.28 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 213.20 Td ( of 5.7% and Bank SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 155.18 217.28 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 158.10 213.20 Td ( of 6.0%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 195.55 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 197.40 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 197.40 Td (Core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.74 201.48 Td (1) Tj ET Q BT /F1 5.85 Tf ET q 0 0 0 rg BT 71.45 201.48 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.37 197.40 Td ( up 10% compared with the prior year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 179.00 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 179.00 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 164.35 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 166.20 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 166.20 Td (Adjusted expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 93.73 170.28 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 96.66 166.20 Td ( of $14.2 billion and adjusted overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 256.12 170.28 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.04 166.20 Td ( of 57%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 319.50 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 333.33 319.50 Td (AL) Tj ET Q q 0 0 0 rg BT 345.34 319.50 Td ( RETURN) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 300.75 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 302.60 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 302.60 Td (Approximately $3.1 billion returned to shareholders) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 505.46 306.68 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.31 302.60 Td ( in the first quarter) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 283.90 cm /I19 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 285.75 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 285.75 Td (The Board intends to increase the quarterly common stock dividend in the ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 273.85 Td (second quarter of 2015 from the current $0.40 per share to $0.44 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 255.45 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 255.45 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 239.70 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 241.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 241.55 Td ($492 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.76 241.55 Td ( of credit and capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 436.73 245.63 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.58 241.55 Td ( raised in the first quarter) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 226.85 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 228.70 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 228.70 Td ($54 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.26 228.70 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 213.95 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 215.80 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 215.80 Td ($5 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.76 215.80 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 201.05 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 202.90 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 202.90 Td ($158 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.76 202.90 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 188.20 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 190.05 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 190.05 Td ($260 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.76 190.05 Td ( of capital raised for clients) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 175.30 cm /I25 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 177.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 177.15 Td ($16 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.26 177.15 Td ( of credit and capital raised for nonprofit and government ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 165.30 Td (entities, including states, municipalities, hospitals and universities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 146.55 cm /I26 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 148.40 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 148.40 Td (Hired nearly ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.48 148.40 Td (8,700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.73 148.40 Td ( U.S. veterans and service members since 201) Tj ET Q q 0 0 0 rg BT 550.59 148.40 Td (1) Tj ET Q 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 18.50 126.90 576.00 -59.00 re f /GS0 gs 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 18.5 126.89999999999998 m 18.5 67.89999999999998 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 594.5 126.89999999999998 m 594.5 67.89999999999998 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 18.5 126.89999999999998 m 594.5 126.89999999999998 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 18.5 67.89999999999998 m 594.5 67.89999999999998 l s BT /F1 9.50 Tf ET q 0 0 0 rg BT 21.00 117.81 Td (Jamie Dimon concluded: ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 118.35 117.81 Td (JPMor) Tj ET Q q 0 0 0 rg BT 149.67 117.81 Td (gan Chase continues to support consumers, businesses and communities and make a significant positive impact. W) Tj ET Q q 0 0 0 rg BT 585.50 117.81 Td (e ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 21.00 104.70 Td (have an outstanding franchise which is getting safer and str) Tj ET Q q 0 0 0 rg BT 248.38 104.70 Td (onger) Tj ET Q q 0 0 0 rg BT 269.49 104.70 Td (, and is gaining market shar) Tj ET Q q 0 0 0 rg BT 376.28 104.70 Td (e over time. W) Tj ET Q q 0 0 0 rg BT 430.28 104.70 Td (e continue to build the company for the ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 21.00 91.60 Td (long-term, we ar) Tj ET Q q 0 0 0 rg BT 84.24 91.60 Td (e investing in contr) Tj ET Q q 0 0 0 rg BT 156.97 91.60 Td (ols, infrastructur) Tj ET Q q 0 0 0 rg BT 221.02 91.60 Td (e, systems, technology) Tj ET Q q 0 0 0 rg BT 304.92 91.60 Td (, new pr) Tj ET Q q 0 0 0 rg BT 335.44 91.60 Td (oducts and bankers. W) Tj ET Q q 0 0 0 rg BT 421.12 91.60 Td (e will continue to navigate challenges and ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 21.00 78.50 Td (deliver for our clients, shar) Tj ET Q q 0 0 0 rg BT 124.88 78.50 Td (eholders and communities.? Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 208.00 0 0 15.00 386.00 761.52 cm /I27 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 /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (In the discussion below of JPMor) Tj ET Q q 0 0 0 rg BT 183.28 742.10 Td (gan Chase as a Firm and of its business segments, information is pr) Tj ET Q q 0 0 0 rg BT 454.87 742.10 Td (esented on a managed) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (basis. For mor) Tj ET Q q 0 0 0 rg BT 108.30 730.10 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 364.22 730.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 433.85 730.10 Td (es used by management to) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (evaluate the performance of each line of business, see page 6.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 707.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 699.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 692.50 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F2 11.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 189.37 704.93 12.51 -9.82 re f /GS0 gs BT /F2 7.15 Tf ET q 1 1 1 rg BT 189.37 697.48 Td (1,16) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 677.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 677.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 677.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 677.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 677.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 677.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 677.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 677.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 677.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 677.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 661.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 661.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 661.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 661.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 661.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 661.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 661.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 661.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 661.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 661.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 661.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 661.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 597.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 597.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 597.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 597.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 597.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 597.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 597.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 597.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 597.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 597.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 597.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 597.60 45.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 661.6 m 423 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 661.6 m 468 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 661.6 m 472 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 661.6 m 517 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 661.6 m 562 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 645.6 m 213 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 645.6 m 264 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 645.6 m 268 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 645.6 m 319 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 645.6 m 323 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 645.6 m 374 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 645.6 m 378 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 645.6 m 423 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 645.6 m 468 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 645.6 m 472 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 645.6 m 517 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 645.6 m 562 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 645.6 m 264 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 645.6 m 319 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 645.6 m 374 645.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 597.6 m 213 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 581.6 m 213 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 597.6 m 264 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 581.6 m 264 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 597.6 m 268 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 581.6 m 268 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 597.6 m 319 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 581.6 m 319 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 597.6 m 323 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 581.6 m 323 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 597.6 m 374 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 581.6 m 374 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 597.6 m 378 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 581.6 m 378 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 597.6 m 423 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 581.6 m 423 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 597.6 m 468 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 581.6 m 468 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 597.6 m 472 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 581.6 m 472 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 597.6 m 517 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 581.6 m 517 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 597.6 m 562 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 581.6 m 562 581.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 565.6 m 213 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 565.6 m 264 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 565.6 m 268 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 565.6 m 319 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 565.6 m 323 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 565.6 m 374 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 565.6 m 378 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 565.6 m 423 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 565.6 m 468 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 565.6 m 472 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 565.6 m 517 565.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 565.6 m 562 565.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 549.6 m 213 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 549.6 m 264 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 549.6 m 268 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 549.6 m 319 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 549.6 m 323 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 549.6 m 374 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 549.6 m 378 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 549.6 m 423 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 549.6 m 468 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 549.6 m 472 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 549.6 m 517 549.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 549.6 m 562 549.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 666.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 666.27 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 666.27 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 650.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 650.27 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 650.27 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 650.27 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 650.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 650.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 650.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 650.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 636.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 634.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 634.27 Td (24,820) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 634.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 634.27 Td (23,549) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 634.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 634.27 Td (23,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 634.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 634.27 Td (1,271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 634.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 634.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 634.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 634.27 Td (967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 634.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 634.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 620.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 618.27 Td (14,883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 618.27 Td (15,409) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 618.27 Td (14,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 618.32 Td (\(526) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 618.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 618.32 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 618.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 618.27 Td (247) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 618.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 604.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.15 602.27 Td (959) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 602.27 Td (840) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 602.27 Td (850) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 602.27 Td (119) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 602.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 602.27 Td (109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 602.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 586.27 Td (5,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 586.27 Td (4,931) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 586.27 Td (5,269) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 586.27 Td (983) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 586.27 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 586.27 Td (645) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 586.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 572.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 570.27 Td (1.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 570.27 Td (1.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 570.27 Td (1.28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 570.27 Td (0.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 570.27 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 570.27 Td (0.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 570.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 556.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 554.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 554.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 554.27 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 554.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 554.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 554.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 49.50 544.13 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.10 540.50 Td (Presented on a managed basis. See notes on page 6 for further explanation of managed basis. Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 445.25 540.50 Td ( basis totaled $24.1 billion, $22.8 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 530.90 Td (billion, and $23.2 billion for the first quarter of 2015, fourth quarter of 2014, and first quarter of 2014, respectively) Tj ET Q q 0 0 0 rg BT 425.89 530.90 Td (. ) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 509.30 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 491.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 491.30 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 491.30 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 491.30 Td ($5.9 ) Tj ET Q q 0 0 0 rg BT 136.42 491.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 491.30 Td (up ) Tj ET Q q 0 0 0 rg BT 180.04 491.30 Td ($645 ) Tj ET Q q 0 0 0 rg BT 202.54 491.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 236.43 491.30 Td (or ) Tj ET Q q 0 0 0 rg BT 247.26 491.30 Td (12%, ) Tj ET Q q 0 0 0 rg BT 270.59 491.30 Td (from ) Tj ET Q q 0 0 0 rg BT 292.53 491.30 Td (the ) Tj ET Q q 0 0 0 rg BT 307.24 491.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 329.18 491.30 Td (year ) Tj ET Q q 0 0 0 rg BT 348.89 491.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 409.71 491.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 437.76 491.30 Td (by ) Tj ET Q q 0 0 0 rg BT 450.26 491.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 478.30 491.30 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 473.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.24 473.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.20 473.30 Td (was ) Tj ET Q q 0 0 0 rg BT 118.05 473.30 Td ($24.8 ) Tj ET Q q 0 0 0 rg BT 142.86 473.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 173.78 473.30 Td (up ) Tj ET Q q 0 0 0 rg BT 186.09 473.30 Td ($967 ) Tj ET Q q 0 0 0 rg BT 208.39 473.30 Td (million ) Tj ET Q q 0 0 0 rg BT 239.59 473.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 281.32 473.30 Td (with ) Tj ET Q q 0 0 0 rg BT 301.40 473.30 Td (the ) Tj ET Q q 0 0 0 rg BT 315.93 473.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 337.67 473.30 Td (year) Tj ET Q q 0 0 0 rg BT 354.48 473.30 Td (, ) Tj ET Q q 0 0 0 rg BT 359.28 473.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 419.91 473.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 447.76 473.30 Td (by ) Tj ET Q q 0 0 0 rg BT 460.07 473.30 Td (strong ) Tj ET Q q 0 0 0 rg BT 487.38 473.30 Td (performance ) Tj ET Q q 0 0 0 rg BT 540.21 473.30 Td (in ) Tj ET Q q 0 0 0 rg BT 550.29 473.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.30 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 91.54 461.30 Td (& ) Tj ET Q q 0 0 0 rg BT 101.38 461.30 Td (Investment ) Tj ET Q q 0 0 0 rg BT 147.86 461.30 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 173.53 461.30 Td (both ) Tj ET Q q 0 0 0 rg BT 193.36 461.30 Td (in ) Tj ET Q q 0 0 0 rg BT 203.20 461.30 Td (Markets ) Tj ET Q q 0 0 0 rg BT 238.02 461.30 Td (and ) Tj ET Q q 0 0 0 rg BT 254.51 461.30 Td (Investment ) Tj ET Q q 0 0 0 rg BT 301.00 461.30 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 339.45 461.30 Td (In ) Tj ET Q q 0 0 0 rg BT 349.83 461.30 Td (addition, ) Tj ET Q q 0 0 0 rg BT 387.16 461.30 Td (there ) Tj ET Q q 0 0 0 rg BT 409.20 461.30 Td (was ) Tj ET Q q 0 0 0 rg BT 426.81 461.30 Td (an ) Tj ET Q q 0 0 0 rg BT 438.30 461.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 473.11 461.30 Td (in ) Tj ET Q q 0 0 0 rg BT 482.95 461.30 Td (fee ) Tj ET Q q 0 0 0 rg BT 497.21 461.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 530.91 461.30 Td (in ) Tj ET Q q 0 0 0 rg BT 540.29 461.30 Td (Asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 105.06 449.30 Td (and ) Tj ET Q q 0 0 0 rg BT 122.86 449.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 165.09 449.30 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 204.84 449.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 241.52 449.30 Td (of) Tj ET Q q 0 0 0 rg BT 249.67 449.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 267.46 449.30 Td (by ) Tj ET Q q 0 0 0 rg BT 280.82 449.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 306.95 449.30 Td (gains ) Tj ET Q q 0 0 0 rg BT 331.42 449.30 Td (in ) Tj ET Q q 0 0 0 rg BT 342.55 449.30 Td (Private ) Tj ET Q q 0 0 0 rg BT 374.24 449.30 Td (Equity) Tj ET Q q 0 0 0 rg BT 400.25 449.30 Td (. ) Tj ET Q q 0 0 0 rg BT 406.11 449.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 423.91 449.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 456.70 449.30 Td (income ) Tj ET Q q 0 0 0 rg BT 489.49 449.30 Td (was ) Tj ET Q q 0 0 0 rg BT 508.40 449.30 Td ($1) Tj ET Q q 0 0 0 rg BT 518.03 449.30 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 533.89 449.30 Td (billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.30 Td (relatively ) Tj ET Q q 0 0 0 rg BT 89.76 437.30 Td (flat ) Tj ET Q q 0 0 0 rg BT 105.58 437.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 147.51 437.30 Td (with ) Tj ET Q q 0 0 0 rg BT 167.79 437.30 Td (the ) Tj ET Q q 0 0 0 rg BT 182.50 437.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 204.44 437.30 Td (year) Tj ET Q q 0 0 0 rg BT 221.10 437.30 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 419.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.73 419.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.51 419.30 Td (was ) Tj ET Q q 0 0 0 rg BT 151.63 419.30 Td ($14.9 ) Tj ET Q q 0 0 0 rg BT 176.70 419.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 207.89 419.30 Td (up ) Tj ET Q q 0 0 0 rg BT 220.46 419.30 Td ($247 ) Tj ET Q q 0 0 0 rg BT 243.03 419.30 Td (million ) Tj ET Q q 0 0 0 rg BT 274.50 419.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 316.49 419.30 Td (with ) Tj ET Q q 0 0 0 rg BT 336.84 419.30 Td (the ) Tj ET Q q 0 0 0 rg BT 351.63 419.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 373.64 419.30 Td (year) Tj ET Q q 0 0 0 rg BT 390.45 419.30 Td (, ) Tj ET Q q 0 0 0 rg BT 395.52 419.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 423.64 419.30 Td (by ) Tj ET Q q 0 0 0 rg BT 436.21 419.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 464.33 419.30 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 505.79 419.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 527.80 419.30 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.30 Td (On ) Tj ET Q q 0 0 0 rg BT 64.61 407.30 Td (an ) Tj ET Q q 0 0 0 rg BT 76.95 407.30 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 113.16 407.30 Td (expense) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 145.37 411.83 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.62 407.30 Td ( ) Tj ET Q q 0 0 0 rg BT 151.51 407.30 Td (basis, ) Tj ET Q q 0 0 0 rg BT 176.91 407.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 212.01 407.30 Td (was ) Tj ET Q q 0 0 0 rg BT 230.45 407.30 Td ($14.2 ) Tj ET Q q 0 0 0 rg BT 255.85 407.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 284.85 407.30 Td (down ) Tj ET Q q 0 0 0 rg BT 309.97 407.30 Td ($402 ) Tj ET Q q 0 0 0 rg BT 332.86 407.30 Td (million ) Tj ET Q q 0 0 0 rg BT 364.64 407.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 406.96 407.30 Td (with ) Tj ET Q q 0 0 0 rg BT 427.63 407.30 Td (the ) Tj ET Q q 0 0 0 rg BT 442.74 407.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 465.07 407.30 Td (year) Tj ET Q q 0 0 0 rg BT 481.88 407.30 Td (, ) Tj ET Q q 0 0 0 rg BT 487.27 407.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 515.71 407.30 Td (by ) Tj ET Q q 0 0 0 rg BT 528.61 407.30 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 395.30 Td (simplification ) Tj ET Q q 0 0 0 rg BT 107.55 395.30 Td (in ) Tj ET Q q 0 0 0 rg BT 117.83 395.30 Td (the ) Tj ET Q q 0 0 0 rg BT 132.54 395.30 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 175.03 395.30 Td (& ) Tj ET Q q 0 0 0 rg BT 185.31 395.30 Td (Investment ) Tj ET Q q 0 0 0 rg BT 232.24 395.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 255.85 395.30 Td (and ) Tj ET Q q 0 0 0 rg BT 272.79 395.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 298.05 395.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 344.99 395.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 379.70 395.30 Td (in ) Tj ET Q q 0 0 0 rg BT 389.97 395.30 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 433.58 395.30 Td (& ) Tj ET Q q 0 0 0 rg BT 443.86 395.30 Td (Community ) Tj ET Q q 0 0 0 rg BT 494.14 395.30 Td (Banking. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.61 377.30 Td (current ) Tj ET Q q 0 0 0 rg BT 98.48 377.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 129.35 377.30 Td (also ) Tj ET Q q 0 0 0 rg BT 148.02 377.30 Td (benefited ) Tj ET Q q 0 0 0 rg BT 187.78 377.30 Td (from ) Tj ET Q q 0 0 0 rg BT 209.78 377.30 Td ($177 ) Tj ET Q q 0 0 0 rg BT 232.34 377.30 Td (million ) Tj ET Q q 0 0 0 rg BT 263.79 377.30 Td (in ) Tj ET Q q 0 0 0 rg BT 274.12 377.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 288.90 377.30 Td (adjustments, ) Tj ET Q q 0 0 0 rg BT 341.73 377.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 383.71 377.30 Td (to ) Tj ET Q q 0 0 0 rg BT 394.05 377.30 Td (a ) Tj ET Q q 0 0 0 rg BT 401.05 377.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 415.82 377.30 Td (char) Tj ET Q q 0 0 0 rg BT 432.85 377.30 Td (ge ) Tj ET Q q 0 0 0 rg BT 444.85 377.30 Td (of ) Tj ET Q q 0 0 0 rg BT 455.74 377.30 Td (approximately ) Tj ET Q q 0 0 0 rg BT 516.05 377.30 Td ($90 ) Tj ET Q q 0 0 0 rg BT 533.61 377.30 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 365.30 Td (in ) Tj ET Q q 0 0 0 rg BT 59.78 365.30 Td (the ) Tj ET Q q 0 0 0 rg BT 74.50 365.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 96.43 365.30 Td (year) Tj ET Q q 0 0 0 rg BT 113.09 365.30 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.02 347.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 106.78 347.30 Td (for ) Tj ET Q q 0 0 0 rg BT 120.41 347.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.15 347.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.02 347.30 Td (was ) Tj ET Q q 0 0 0 rg BT 188.54 347.30 Td ($959 ) Tj ET Q q 0 0 0 rg BT 210.52 347.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 243.88 347.30 Td ($109 ) Tj ET Q q 0 0 0 rg BT 265.86 347.30 Td (million ) Tj ET Q q 0 0 0 rg BT 296.73 347.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 324.25 347.30 Td (than ) Tj ET Q q 0 0 0 rg BT 343.44 347.30 Td (the ) Tj ET Q q 0 0 0 rg BT 357.63 347.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 379.05 347.30 Td (year) Tj ET Q q 0 0 0 rg BT 395.85 347.30 Td (, ) Tj ET Q q 0 0 0 rg BT 400.33 347.30 Td (despite ) Tj ET Q q 0 0 0 rg BT 430.63 347.30 Td ($217 ) Tj ET Q q 0 0 0 rg BT 452.60 347.30 Td (million ) Tj ET Q q 0 0 0 rg BT 483.47 347.30 Td (of ) Tj ET Q q 0 0 0 rg BT 493.77 347.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 518.52 347.30 Td (net ) Tj ET Q q 0 0 0 rg BT 532.71 347.30 Td (char) Tj ET Q q 0 0 0 rg BT 549.74 347.30 Td (ge-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.30 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 335.30 Td (fs, ) Tj ET Q q 0 0 0 rg BT 69.87 335.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 110.68 335.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 135.95 335.30 Td (reserve ) Tj ET Q q 0 0 0 rg BT 167.32 335.30 Td (releases ) Tj ET Q q 0 0 0 rg BT 201.46 335.30 Td (of ) Tj ET Q q 0 0 0 rg BT 212.29 335.30 Td ($93 ) Tj ET Q q 0 0 0 rg BT 229.79 335.30 Td (million ) Tj ET Q q 0 0 0 rg BT 261.18 335.30 Td (versus ) Tj ET Q q 0 0 0 rg BT 289.24 335.30 Td ($419 ) Tj ET Q q 0 0 0 rg BT 311.74 335.30 Td (million ) Tj ET Q q 0 0 0 rg BT 343.13 335.30 Td (in ) Tj ET Q q 0 0 0 rg BT 353.41 335.30 Td (the ) Tj ET Q q 0 0 0 rg BT 368.12 335.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 390.06 335.30 Td (year) Tj ET Q q 0 0 0 rg BT 406.72 335.30 Td (. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 297.80 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 290.15 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 282.70 Td (CONSUMER & COMMUNITY BANKING \(CCB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 267.80 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 267.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 267.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 267.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 267.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 267.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 267.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 267.80 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 267.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 267.80 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 252.80 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 252.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 252.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 252.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 252.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 252.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 252.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 252.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 252.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 252.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 252.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 252.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 192.80 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 192.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 192.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 192.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 192.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 192.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 192.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 192.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 192.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 192.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 192.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 192.80 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 252.79999999999995 m 423 252.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 252.79999999999995 m 468 252.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 252.79999999999995 m 472 252.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 252.79999999999995 m 517 252.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 252.79999999999995 m 562 252.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 237.79999999999995 m 231 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 237.79999999999995 m 276 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 237.79999999999995 m 280 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 237.79999999999995 m 325 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 237.79999999999995 m 329 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 237.79999999999995 m 374 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 237.79999999999995 m 378 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 237.79999999999995 m 423 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 237.79999999999995 m 468 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 237.79999999999995 m 472 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 237.79999999999995 m 517 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 237.79999999999995 m 276 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 237.79999999999995 m 468 237.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 237.79999999999995 m 562 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 192.79999999999995 m 231 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 177.79999999999995 m 231 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 192.79999999999995 m 276 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 177.79999999999995 m 276 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 192.79999999999995 m 280 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 177.79999999999995 m 280 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 192.79999999999995 m 325 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 177.79999999999995 m 325 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 192.79999999999995 m 329 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 177.79999999999995 m 329 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 192.79999999999995 m 374 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 177.79999999999995 m 374 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 192.79999999999995 m 378 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 177.79999999999995 m 378 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 192.79999999999995 m 423 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 177.79999999999995 m 423 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 192.79999999999995 m 468 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 177.79999999999995 m 468 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 192.79999999999995 m 472 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 177.79999999999995 m 472 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 192.79999999999995 m 517 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 177.79999999999995 m 517 177.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 192.79999999999995 m 562 192.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 177.79999999999995 m 562 177.79999999999995 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 257.47 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 257.47 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 257.47 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 242.47 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 242.47 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 242.47 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 242.47 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 242.47 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 242.47 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 242.47 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 242.47 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 228.37 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 227.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 227.47 Td (10,704) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 227.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.60 227.47 Td (10,949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 227.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.60 227.47 Td (10,534) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 227.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 227.52 Td (\(245) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 227.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 227.47 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 227.47 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 227.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 227.47 Td (170) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 227.47 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 227.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 213.37 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 212.47 Td (6,190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 212.47 Td (6,411) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 212.47 Td (6,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 212.52 Td (\(221) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 212.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 212.47 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 212.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 212.52 Td (\(247) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 212.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 212.52 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 212.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 198.37 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 197.47 Td (930) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 197.47 Td (950) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 197.47 Td (816) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 197.52 Td (\(20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 197.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 197.47 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 197.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 197.47 Td (114) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 197.47 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 183.37 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 182.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 182.47 Td (2,219) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 182.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 182.47 Td (2,179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 182.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 182.47 Td (1,981) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 182.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 182.47 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 182.47 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 182.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 182.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 182.47 Td (238) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 182.47 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 182.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 154.30 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 154.30 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 154.30 Td (Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.32 142.30 Td (income ) Tj ET Q q 0 0 0 rg BT 98.13 142.30 Td (was ) Tj ET Q q 0 0 0 rg BT 116.06 142.30 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 135.94 142.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 166.93 142.30 Td (an ) Tj ET Q q 0 0 0 rg BT 178.74 142.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 213.88 142.30 Td (of ) Tj ET Q q 0 0 0 rg BT 224.58 142.30 Td ($238 ) Tj ET Q q 0 0 0 rg BT 246.96 142.30 Td (million ) Tj ET Q q 0 0 0 rg BT 278.23 142.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 320.03 142.30 Td (with ) Tj ET Q q 0 0 0 rg BT 340.19 142.30 Td (the ) Tj ET Q q 0 0 0 rg BT 354.78 142.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 376.60 142.30 Td (year) Tj ET Q q 0 0 0 rg BT 393.41 142.30 Td (, ) Tj ET Q q 0 0 0 rg BT 398.28 142.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 426.21 142.30 Td (by ) Tj ET Q q 0 0 0 rg BT 438.59 142.30 Td (both ) Tj ET Q q 0 0 0 rg BT 458.74 142.30 Td (improved ) Tj ET Q q 0 0 0 rg BT 499.45 142.30 Td (net ) Tj ET Q q 0 0 0 rg BT 514.04 142.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 548.06 142.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 74.77 130.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 121.70 130.30 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 112.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.86 112.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.43 112.30 Td (was ) Tj ET Q q 0 0 0 rg BT 119.90 112.30 Td ($10.7 ) Tj ET Q q 0 0 0 rg BT 145.32 112.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 176.86 112.30 Td (an ) Tj ET Q q 0 0 0 rg BT 189.22 112.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 224.89 112.30 Td (of ) Tj ET Q q 0 0 0 rg BT 236.14 112.30 Td ($170 ) Tj ET Q q 0 0 0 rg BT 259.06 112.30 Td (million ) Tj ET Q q 0 0 0 rg BT 290.88 112.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 333.22 112.30 Td (with ) Tj ET Q q 0 0 0 rg BT 353.92 112.30 Td (the ) Tj ET Q q 0 0 0 rg BT 369.06 112.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 391.42 112.30 Td (year) Tj ET Q q 0 0 0 rg BT 408.23 112.30 Td (, ) Tj ET Q q 0 0 0 rg BT 413.65 112.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 442.12 112.30 Td (by ) Tj ET Q q 0 0 0 rg BT 455.04 112.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 483.51 112.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 530.86 112.30 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 100.30 Td (across ) Tj ET Q q 0 0 0 rg BT 76.22 100.30 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 122.66 100.30 Td (up ) Tj ET Q q 0 0 0 rg BT 134.39 100.30 Td ($302 ) Tj ET Q q 0 0 0 rg BT 156.11 100.30 Td (million. ) Tj ET Q q 0 0 0 rg BT 189.23 100.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 205.39 100.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 236.55 100.30 Td (income ) Tj ET Q q 0 0 0 rg BT 267.71 100.30 Td (was ) Tj ET Q q 0 0 0 rg BT 284.99 100.30 Td ($7.0 ) Tj ET Q q 0 0 0 rg BT 304.21 100.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 334.55 100.30 Td (down ) Tj ET Q q 0 0 0 rg BT 358.50 100.30 Td ($132 ) Tj ET Q q 0 0 0 rg BT 380.22 100.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 413.34 100.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 440.61 100.30 Td (by ) Tj ET Q q 0 0 0 rg BT 452.34 100.30 Td (spread ) Tj ET Q q 0 0 0 rg BT 480.16 100.30 Td (compression, ) Tj ET Q q 0 0 0 rg BT 534.93 100.30 Td (lar) Tj ET Q q 0 0 0 rg BT 545.30 100.30 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 88.30 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 88.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 74.59 88.30 Td (by ) Tj ET Q q 0 0 0 rg BT 87.09 88.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 115.13 88.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 146.52 88.30 Td (balances ) Tj ET Q q 0 0 0 rg BT 183.45 88.30 Td (in ) Tj ET Q q 0 0 0 rg BT 193.72 88.30 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 237.33 88.30 Td (& ) Tj ET Q q 0 0 0 rg BT 247.61 88.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 285.67 88.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 322.06 88.30 Td (and ) Tj ET Q q 0 0 0 rg BT 339.00 88.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 367.04 88.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 392.31 88.30 Td (card ) Tj ET Q q 0 0 0 rg BT 412.01 88.30 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.34 70.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.73 70.30 Td (was ) Tj ET Q q 0 0 0 rg BT 153.46 70.30 Td ($6.2 ) Tj ET Q q 0 0 0 rg BT 174.15 70.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 205.95 70.30 Td (a ) Tj ET Q q 0 0 0 rg BT 213.57 70.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 251.17 70.30 Td (of ) Tj ET Q q 0 0 0 rg BT 262.68 70.30 Td ($247 ) Tj ET Q q 0 0 0 rg BT 285.86 70.30 Td (million ) Tj ET Q q 0 0 0 rg BT 317.94 70.30 Td (from ) Tj ET Q q 0 0 0 rg BT 340.56 70.30 Td (the ) Tj ET Q q 0 0 0 rg BT 355.96 70.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 378.58 70.30 Td (year) Tj ET Q q 0 0 0 rg BT 395.39 70.30 Td (, ) Tj ET Q q 0 0 0 rg BT 401.07 70.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 429.80 70.30 Td (by ) Tj ET Q q 0 0 0 rg BT 442.99 70.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 468.94 70.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 511.00 70.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 548.07 70.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.30 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.11 58.30 Td (& ) Tj ET Q q 0 0 0 rg BT 103.39 58.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 141.45 58.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 177.83 58.30 Td (expense.) 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 33.60 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 740.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.20 740.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.13 740.10 Td (for ) Tj ET Q q 0 0 0 rg BT 120.95 740.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.87 740.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.91 740.10 Td (was ) Tj ET Q q 0 0 0 rg BT 189.62 740.10 Td ($930 ) Tj ET Q q 0 0 0 rg BT 211.78 740.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 245.32 740.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 305.24 740.10 Td ($100 ) Tj ET Q q 0 0 0 rg BT 327.39 740.10 Td (million ) Tj ET Q q 0 0 0 rg BT 358.44 740.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 386.14 740.10 Td (than ) Tj ET Q q 0 0 0 rg BT 405.51 740.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.88 740.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.48 740.10 Td (year) Tj ET Q q 0 0 0 rg BT 458.28 740.10 Td (, ) Tj ET Q q 0 0 0 rg BT 462.94 740.10 Td (despite ) Tj ET Q q 0 0 0 rg BT 493.42 740.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 518.34 740.10 Td (net ) Tj ET Q q 0 0 0 rg BT 532.71 740.10 Td (char) Tj ET Q q 0 0 0 rg BT 549.74 740.10 Td (ge-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 728.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 69.87 728.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 110.68 728.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 135.95 728.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 167.32 728.10 Td (releases. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (Consumer) Tj ET Q q 0 0 0 rg BT 93.76 707.10 Td ( ) Tj ET Q q 0 0 0 rg BT 96.44 707.10 Td (& ) Tj ET Q q 0 0 0 rg BT 107.45 707.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 146.81 707.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.94 707.10 Td ( ) Tj ET Q q 0 0 0 rg BT 185.62 707.10 Td (net ) Tj ET Q q 0 0 0 rg BT 200.52 707.10 Td (income ) Tj ET Q q 0 0 0 rg BT 232.63 707.10 Td (was ) Tj ET Q q 0 0 0 rg BT 250.86 707.10 Td ($828 ) Tj ET Q q 0 0 0 rg BT 273.54 707.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 307.61 707.10 Td (an ) Tj ET Q q 0 0 0 rg BT 319.72 707.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 355.16 707.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.17 707.10 Td ($77 ) Tj ET Q q 0 0 0 rg BT 383.84 707.10 Td (million ) Tj ET Q q 0 0 0 rg BT 415.41 707.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 457.52 707.10 Td (with ) Tj ET Q q 0 0 0 rg BT 477.97 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.87 707.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 514.98 707.10 Td (year) Tj ET Q q 0 0 0 rg BT 531.79 707.10 Td (, ) Tj ET Q q 0 0 0 rg BT 536.97 707.10 Td (driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.00 695.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 87.27 695.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 134.20 695.10 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.94 677.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.60 677.10 Td (was ) Tj ET Q q 0 0 0 rg BT 117.15 677.10 Td ($4.4 ) Tj ET Q q 0 0 0 rg BT 136.66 677.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.28 677.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 207.04 677.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 222.37 677.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 263.80 677.10 Td (with ) Tj ET Q q 0 0 0 rg BT 283.59 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.81 677.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 319.25 677.10 Td (year) Tj ET Q q 0 0 0 rg BT 336.06 677.10 Td (, ) Tj ET Q q 0 0 0 rg BT 340.57 677.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 380.88 677.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 405.66 677.10 Td (net ) Tj ET Q q 0 0 0 rg BT 419.88 677.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 451.32 677.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 485.26 677.10 Td (down ) Tj ET Q q 0 0 0 rg BT 509.49 677.10 Td ($1) Tj ET Q q 0 0 0 rg BT 519.12 677.10 Td (17 ) Tj ET Q q 0 0 0 rg BT 531.12 677.10 Td (million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.96 665.10 Td (to ) Tj ET Q q 0 0 0 rg BT 77.76 665.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 109.67 665.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 138.79 665.10 Td (compression; ) Tj ET Q q 0 0 0 rg BT 195.14 665.10 Td (this ) Tj ET Q q 0 0 0 rg BT 212.61 665.10 Td (was ) Tj ET Q q 0 0 0 rg BT 231.18 665.10 Td (of) Tj ET Q q 0 0 0 rg BT 239.33 665.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 256.79 665.10 Td (by ) Tj ET Q q 0 0 0 rg BT 269.82 665.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 298.39 665.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 345.84 665.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 383.01 665.10 Td (up ) Tj ET Q q 0 0 0 rg BT 396.03 665.10 Td ($77 ) Tj ET Q q 0 0 0 rg BT 414.06 665.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 448.47 665.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 477.04 665.10 Td (by ) Tj ET Q q 0 0 0 rg BT 490.06 665.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 518.63 665.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 83.65 653.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.58 653.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 123.08 653.10 Td (card ) Tj ET Q q 0 0 0 rg BT 142.79 653.10 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 635.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 635.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 635.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 635.10 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 171.41 635.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 635.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.47 635.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.38 635.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.21 635.10 Td ($107 ) Tj ET Q q 0 0 0 rg BT 279.71 635.10 Td (million ) Tj ET Q q 0 0 0 rg BT 311.10 635.10 Td (from ) Tj ET Q q 0 0 0 rg BT 333.04 635.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.76 635.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 369.70 635.10 Td (year) Tj ET Q q 0 0 0 rg BT 386.50 635.10 Td (, ) Tj ET Q q 0 0 0 rg BT 391.50 635.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 431.21 635.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 459.26 635.10 Td (by ) Tj ET Q q 0 0 0 rg BT 471.76 635.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 501.47 635.10 Td (ef) Tj ET Q q 0 0 0 rg BT 509.06 635.10 Td (ficiencies.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 614.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 93.65 614.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.78 614.10 Td ( ) Tj ET Q q 0 0 0 rg BT 132.28 614.10 Td (net ) Tj ET Q q 0 0 0 rg BT 147.00 614.10 Td (income ) Tj ET Q q 0 0 0 rg BT 178.93 614.10 Td (was ) Tj ET Q q 0 0 0 rg BT 196.98 614.10 Td ($326 ) Tj ET Q q 0 0 0 rg BT 219.48 614.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 253.37 614.10 Td (an ) Tj ET Q q 0 0 0 rg BT 265.31 614.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 300.56 614.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.39 614.10 Td ($194 ) Tj ET Q q 0 0 0 rg BT 333.89 614.10 Td (million ) Tj ET Q q 0 0 0 rg BT 365.29 614.10 Td (from ) Tj ET Q q 0 0 0 rg BT 387.22 614.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.94 614.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.88 614.10 Td (year) Tj ET Q q 0 0 0 rg BT 440.54 614.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 596.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.55 596.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.80 596.10 Td (was ) Tj ET Q q 0 0 0 rg BT 118.96 596.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 139.07 596.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 170.29 596.10 Td (an ) Tj ET Q q 0 0 0 rg BT 182.33 596.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 217.69 596.10 Td (of ) Tj ET Q q 0 0 0 rg BT 228.63 596.10 Td ($151 ) Tj ET Q q 0 0 0 rg BT 251.24 596.10 Td (million ) Tj ET Q q 0 0 0 rg BT 282.74 596.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 324.77 596.10 Td (with ) Tj ET Q q 0 0 0 rg BT 345.15 596.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.98 596.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 382.02 596.10 Td (year) Tj ET Q q 0 0 0 rg BT 398.83 596.10 Td (, ) Tj ET Q q 0 0 0 rg BT 403.94 596.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 432.09 596.10 Td (by ) Tj ET Q q 0 0 0 rg BT 444.70 596.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 470.08 596.10 Td (MSR ) Tj ET Q q 0 0 0 rg BT 493.81 596.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 511.41 596.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 584.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 78.39 584.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 114.21 584.10 Td (of) Tj ET Q q 0 0 0 rg BT 122.36 584.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 139.30 584.10 Td (by ) Tj ET Q q 0 0 0 rg BT 151.80 584.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 177.07 584.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 216.22 584.10 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 566.10 Td (MSR ) Tj ET Q q 0 0 0 rg BT 72.59 566.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 89.55 566.10 Td (management ) Tj ET Q q 0 0 0 rg BT 142.60 566.10 Td (was ) Tj ET Q q 0 0 0 rg BT 160.12 566.10 Td (a ) Tj ET Q q 0 0 0 rg BT 166.52 566.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 184.05 566.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.34 566.10 Td ($68 ) Tj ET Q q 0 0 0 rg BT 211.31 566.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 244.66 566.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 286.05 566.10 Td (with ) Tj ET Q q 0 0 0 rg BT 305.80 566.10 Td (a ) Tj ET Q q 0 0 0 rg BT 312.20 566.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 329.72 566.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.02 566.10 Td ($400 ) Tj ET Q q 0 0 0 rg BT 361.98 566.10 Td (million ) Tj ET Q q 0 0 0 rg BT 392.84 566.10 Td (in ) Tj ET Q q 0 0 0 rg BT 402.58 566.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.76 566.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.17 566.10 Td (year) Tj ET Q q 0 0 0 rg BT 454.97 566.10 Td (, ) Tj ET Q q 0 0 0 rg BT 459.44 566.10 Td (which ) Tj ET Q q 0 0 0 rg BT 485.84 566.10 Td (included ) Tj ET Q q 0 0 0 rg BT 522.24 566.10 Td (a ) Tj ET Q q 0 0 0 rg BT 528.64 566.10 Td (negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 554.10 Td ($460 ) Tj ET Q q 0 0 0 rg BT 72.00 554.10 Td (million ) Tj ET Q q 0 0 0 rg BT 103.39 554.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 119.77 554.10 Td (value ) Tj ET Q q 0 0 0 rg BT 143.92 554.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 190.31 554.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 230.02 554.10 Td (related ) Tj ET Q q 0 0 0 rg BT 259.72 554.10 Td (to ) Tj ET Q q 0 0 0 rg BT 270.00 554.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 298.04 554.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 327.20 554.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 365.78 554.10 Td (to ) Tj ET Q q 0 0 0 rg BT 376.06 554.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.78 554.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 536.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 536.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 536.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 536.10 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 171.41 536.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 536.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.47 536.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.38 536.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.21 536.10 Td ($184 ) Tj ET Q q 0 0 0 rg BT 279.71 536.10 Td (million ) Tj ET Q q 0 0 0 rg BT 311.10 536.10 Td (from ) Tj ET Q q 0 0 0 rg BT 333.04 536.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.76 536.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 369.70 536.10 Td (year) Tj ET Q q 0 0 0 rg BT 386.50 536.10 Td (, ) Tj ET Q q 0 0 0 rg BT 391.50 536.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 432.31 536.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 457.58 536.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 515.62 536.10 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 518.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.67 518.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.07 518.10 Td (for ) Tj ET Q q 0 0 0 rg BT 122.36 518.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.75 518.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 174.26 518.10 Td (was ) Tj ET Q q 0 0 0 rg BT 192.44 518.10 Td ($4 ) Tj ET Q q 0 0 0 rg BT 205.06 518.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 239.08 518.10 Td (slightly ) Tj ET Q q 0 0 0 rg BT 271.71 518.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 299.88 518.10 Td (than ) Tj ET Q q 0 0 0 rg BT 319.72 518.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.56 518.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.63 518.10 Td (year) Tj ET Q q 0 0 0 rg BT 373.43 518.10 Td (, ) Tj ET Q q 0 0 0 rg BT 378.56 518.10 Td (despite ) Tj ET Q q 0 0 0 rg BT 409.51 518.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 434.90 518.10 Td (net ) Tj ET Q q 0 0 0 rg BT 449.74 518.10 Td (char) Tj ET Q q 0 0 0 rg BT 466.77 518.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 487.69 518.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 497.53 518.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.49 518.10 Td ($104 ) Tj ET Q q 0 0 0 rg BT 531.11 518.10 Td (million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 506.10 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 506.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 74.53 506.10 Td (by ) Tj ET Q q 0 0 0 rg BT 86.98 506.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.86 506.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 134.07 506.10 Td (in ) Tj ET Q q 0 0 0 rg BT 144.29 506.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.96 506.10 Td (non ) Tj ET Q q 0 0 0 rg BT 176.40 506.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 240.48 506.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 283.46 506.10 Td (for ) Tj ET Q q 0 0 0 rg BT 297.57 506.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 317.23 506.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 343.57 506.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.34 506.10 Td ($100 ) Tj ET Q q 0 0 0 rg BT 376.79 506.10 Td (million ) Tj ET Q q 0 0 0 rg BT 408.12 506.10 Td (as ) Tj ET Q q 0 0 0 rg BT 418.90 506.10 Td (home ) Tj ET Q q 0 0 0 rg BT 443.56 506.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 469.88 506.10 Td (and ) Tj ET Q q 0 0 0 rg BT 486.77 506.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 538.08 506.10 Td (trends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 494.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 91.43 494.10 Td (to ) Tj ET Q q 0 0 0 rg BT 101.71 494.10 Td (improve.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 473.10 Td (Card, ) Tj ET Q q 0 0 0 rg BT 76.72 473.10 Td (Commer) Tj ET Q q 0 0 0 rg BT 114.30 473.10 Td (ce ) Tj ET Q q 0 0 0 rg BT 125.68 473.10 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 167.64 473.10 Td (& ) Tj ET Q q 0 0 0 rg BT 177.92 473.10 Td (Auto) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 199.03 477.63 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.53 473.10 Td ( ) Tj ET Q q 0 0 0 rg BT 208.03 473.10 Td (net ) Tj ET Q q 0 0 0 rg BT 222.75 473.10 Td (income ) Tj ET Q q 0 0 0 rg BT 254.68 473.10 Td (was ) Tj ET Q q 0 0 0 rg BT 272.73 473.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 292.73 473.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 323.85 473.10 Td (a ) Tj ET Q q 0 0 0 rg BT 330.78 473.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 367.70 473.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.53 473.10 Td ($33 ) Tj ET Q q 0 0 0 rg BT 396.03 473.10 Td (million ) Tj ET Q q 0 0 0 rg BT 427.42 473.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 469.34 473.10 Td (with ) Tj ET Q q 0 0 0 rg BT 489.62 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.34 473.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 526.28 473.10 Td (year) Tj ET Q q 0 0 0 rg BT 542.93 473.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 455.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.78 455.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.26 455.10 Td (was ) Tj ET Q q 0 0 0 rg BT 119.65 455.10 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 139.99 455.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.44 455.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 212.04 455.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 228.20 455.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 270.46 455.10 Td (with ) Tj ET Q q 0 0 0 rg BT 291.08 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.14 455.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 328.41 455.10 Td (year) Tj ET Q q 0 0 0 rg BT 345.22 455.10 Td (, ) Tj ET Q q 0 0 0 rg BT 350.56 455.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 378.94 455.10 Td (by ) Tj ET Q q 0 0 0 rg BT 391.78 455.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 420.17 455.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 467.44 455.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 501.92 455.10 Td (on ) Tj ET Q q 0 0 0 rg BT 514.76 455.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 542.52 455.10 Td (Auto ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 443.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 71.98 443.10 Td (income ) Tj ET Q q 0 0 0 rg BT 103.91 443.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.85 443.10 Td (net ) Tj ET Q q 0 0 0 rg BT 135.56 443.10 Td (interchange ) Tj ET Q q 0 0 0 rg BT 184.70 443.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 219.13 443.10 Td (lar) Tj ET Q q 0 0 0 rg BT 229.49 443.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 249.21 443.10 Td (of) Tj ET Q q 0 0 0 rg BT 257.36 443.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 274.29 443.10 Td (by ) Tj ET Q q 0 0 0 rg BT 286.79 443.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 314.83 443.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 367.87 443.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.69 443.10 Td (new ) Tj ET Q q 0 0 0 rg BT 397.85 443.10 Td (account ) Tj ET Q q 0 0 0 rg BT 431.44 443.10 Td (originations. ) Tj ET Q q 0 0 0 rg BT 484.21 443.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 501.14 443.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 533.07 443.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 431.10 Td (was ) Tj ET Q q 0 0 0 rg BT 67.55 431.10 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 87.55 431.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 118.67 431.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 134.49 431.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 176.41 431.10 Td (with ) Tj ET Q q 0 0 0 rg BT 196.69 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.41 431.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 233.35 431.10 Td (year) Tj ET Q q 0 0 0 rg BT 250.00 431.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 413.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 413.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 413.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 413.10 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 171.41 413.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 413.10 Td (up ) Tj ET Q q 0 0 0 rg BT 215.03 413.10 Td ($44 ) Tj ET Q q 0 0 0 rg BT 232.53 413.10 Td (million ) Tj ET Q q 0 0 0 rg BT 263.92 413.10 Td (from ) Tj ET Q q 0 0 0 rg BT 285.86 413.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.57 413.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 322.51 413.10 Td (year) Tj ET Q q 0 0 0 rg BT 339.32 413.10 Td (, ) Tj ET Q q 0 0 0 rg BT 344.32 413.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 384.03 413.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 412.08 413.10 Td (by ) Tj ET Q q 0 0 0 rg BT 424.58 413.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 452.07 413.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 474.57 413.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 497.06 413.10 Td (depreciation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 395.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.83 395.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.40 395.10 Td (for ) Tj ET Q q 0 0 0 rg BT 122.85 395.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.40 395.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 175.08 395.10 Td (was ) Tj ET Q q 0 0 0 rg BT 193.42 395.10 Td ($866 ) Tj ET Q q 0 0 0 rg BT 216.20 395.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 250.38 395.10 Td (an ) Tj ET Q q 0 0 0 rg BT 262.61 395.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 298.15 395.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.26 395.10 Td ($103 ) Tj ET Q q 0 0 0 rg BT 332.05 395.10 Td (million ) Tj ET Q q 0 0 0 rg BT 363.73 395.10 Td (from ) Tj ET Q q 0 0 0 rg BT 385.96 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.96 395.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.19 395.10 Td (year ) Tj ET Q q 0 0 0 rg BT 443.18 395.10 Td (despite ) Tj ET Q q 0 0 0 rg BT 474.29 395.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 499.85 395.10 Td (net ) Tj ET Q q 0 0 0 rg BT 514.85 395.10 Td (char) Tj ET Q q 0 0 0 rg BT 531.88 395.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 552.80 395.10 Td (fs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 383.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 90.52 383.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 116.00 383.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 147.57 383.10 Td (releases. ) Tj ET Q q 0 0 0 rg BT 184.23 383.10 Td (The ) Tj ET Q q 0 0 0 rg BT 202.49 383.10 Td (current ) Tj ET Q q 0 0 0 rg BT 233.51 383.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 264.54 383.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 305.02 383.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 342.70 383.10 Td (a ) Tj ET Q q 0 0 0 rg BT 349.85 383.10 Td (release ) Tj ET Q q 0 0 0 rg BT 380.31 383.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.35 383.10 Td ($25 ) Tj ET Q q 0 0 0 rg BT 409.06 383.10 Td (million ) Tj ET Q q 0 0 0 rg BT 440.66 383.10 Td (in ) Tj ET Q q 0 0 0 rg BT 451.15 383.10 Td (Student ) Tj ET Q q 0 0 0 rg BT 484.42 383.10 Td (as ) Tj ET Q q 0 0 0 rg BT 495.45 383.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 537.59 383.10 Td (with ) Tj ET Q q 0 0 0 rg BT 558.07 383.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 371.10 Td (release ) Tj ET Q q 0 0 0 rg BT 79.75 371.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.58 371.10 Td ($250 ) Tj ET Q q 0 0 0 rg BT 113.08 371.10 Td (million ) Tj ET Q q 0 0 0 rg BT 144.48 371.10 Td (in ) Tj ET Q q 0 0 0 rg BT 154.75 371.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.47 371.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 191.41 371.10 Td (year ) Tj ET Q q 0 0 0 rg BT 211.12 371.10 Td (for ) Tj ET Q q 0 0 0 rg BT 225.28 371.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 252.77 371.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 274.71 371.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.65 371.10 Td (Student.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 336.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 328.95 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 321.50 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 321.50 Td (TE & INVESTMENT) Tj ET Q q 1 1 1 rg BT 210.39 321.50 Td ( BANK \(CIB\)) Tj ET Q BT /F2 11.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 274.56 333.93 7.15 -9.82 re f /GS0 gs BT /F2 7.15 Tf ET q 1 1 1 rg BT 274.56 326.48 Td (16) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 306.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 306.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 306.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 306.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 306.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 306.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 306.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 306.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 306.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 306.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 291.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 291.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 291.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 291.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 291.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 291.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 291.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 291.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 291.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 291.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 291.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 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423.00 231.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 231.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 231.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 231.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 291.6 m 423 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 291.6 m 468 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 291.6 m 472 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 291.6 m 517 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 291.6 m 562 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 276.6 m 231 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 276.6 m 276 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 276.6 m 280 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 276.6 m 325 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 276.6 m 329 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 276.6 m 374 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 276.6 m 378 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 276.6 m 423 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 276.6 m 468 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 276.6 m 472 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 276.6 m 517 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 276.6 m 562 276.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 231.60000000000002 m 231 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 216.60000000000002 m 231 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 231.60000000000002 m 276 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 216.60000000000002 m 276 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 231.60000000000002 m 280 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 216.60000000000002 m 280 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 231.60000000000002 m 325 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 216.60000000000002 m 325 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 231.60000000000002 m 329 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 216.60000000000002 m 329 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 231.60000000000002 m 374 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 216.60000000000002 m 374 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 231.60000000000002 m 378 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 216.60000000000002 m 378 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 231.60000000000002 m 423 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 216.60000000000002 m 423 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 231.60000000000002 m 468 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 216.60000000000002 m 468 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 231.60000000000002 m 472 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 216.60000000000002 m 472 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 231.60000000000002 m 517 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 216.60000000000002 m 517 216.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 231.60000000000002 m 562 231.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 216.60000000000002 m 562 216.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 296.27 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 296.27 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 296.27 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 281.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 281.27 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 281.27 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 281.27 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 281.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 281.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 281.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 281.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 267.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 266.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 266.27 Td (9,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 266.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 266.27 Td (7,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 266.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 266.27 Td (8,842) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 266.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 266.27 Td (2,199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 266.27 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 266.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 266.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 266.27 Td (740) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 266.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 266.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 252.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 251.27 Td (5,657) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 251.27 Td (5,576) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 251.27 Td (5,604) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 251.27 Td (81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 251.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 251.27 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 251.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 237.17 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.80 236.27 Td (\(31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 236.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 236.32 Td (\(59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 236.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 236.27 Td (49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 236.27 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 236.27 Td (47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 236.32 Td (\(80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 236.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 236.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 222.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 221.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 221.27 Td (2,537) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 221.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 221.27 Td (972) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 221.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 221.27 Td (2,125) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 221.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 221.27 Td (1,565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 221.27 Td (161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 221.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 221.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 221.27 Td (412) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 221.27 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 221.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 193.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 181.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 181.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 181.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 181.10 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 136.42 181.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 181.10 Td (up ) Tj ET Q q 0 0 0 rg BT 180.04 181.10 Td ($412 ) Tj ET Q q 0 0 0 rg BT 202.54 181.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 236.43 181.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 278.35 181.10 Td (with ) Tj ET Q q 0 0 0 rg BT 298.63 181.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 318.63 181.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 347.24 181.10 Td (in ) Tj ET Q q 0 0 0 rg BT 357.52 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.24 181.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 394.18 181.10 Td (year) Tj ET Q q 0 0 0 rg BT 410.98 181.10 Td (, ) Tj ET Q q 0 0 0 rg BT 415.98 181.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 444.03 181.10 Td (by ) Tj ET Q q 0 0 0 rg BT 456.53 181.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 484.58 181.10 Td (net ) Tj ET Q q 0 0 0 rg BT 499.29 181.10 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 163.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 85.47 163.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 119.21 163.10 Td (was ) Tj ET Q q 0 0 0 rg BT 136.85 163.10 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 156.43 163.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 187.13 163.10 Td (up ) Tj ET Q q 0 0 0 rg BT 199.22 163.10 Td (12% ) Tj ET Q q 0 0 0 rg BT 219.64 163.10 Td (from ) Tj ET Q q 0 0 0 rg BT 241.17 163.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.47 163.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 277.00 163.10 Td (year) Tj ET Q q 0 0 0 rg BT 293.80 163.10 Td (, ) Tj ET Q q 0 0 0 rg BT 298.39 163.10 Td (on ) Tj ET Q q 0 0 0 rg BT 310.48 163.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 337.56 163.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 390.17 163.10 Td (in ) Tj ET Q q 0 0 0 rg BT 400.04 163.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 446.01 163.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 480.31 163.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 498.50 163.10 Td (across ) Tj ET Q q 0 0 0 rg BT 525.58 163.10 Td (products. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 151.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 151.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 86.70 151.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 122.59 151.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 156.25 151.10 Td (was ) Tj ET Q q 0 0 0 rg BT 173.82 151.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 193.34 151.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 223.97 151.10 Td (down ) Tj ET Q q 0 0 0 rg BT 248.20 151.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 263.55 151.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 304.99 151.10 Td (with ) Tj ET Q q 0 0 0 rg BT 324.78 151.10 Td (the ) Tj ET Q q 0 0 0 rg BT 339.02 151.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 360.47 151.10 Td (year) Tj ET Q q 0 0 0 rg BT 377.28 151.10 Td (, ) Tj ET Q q 0 0 0 rg BT 381.79 151.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 409.35 151.10 Td (by ) Tj ET Q q 0 0 0 rg BT 421.37 151.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 446.15 151.10 Td (net ) Tj ET Q q 0 0 0 rg BT 460.39 151.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 491.84 151.10 Td (income ) Tj ET Q q 0 0 0 rg BT 523.29 151.10 Td (and ) Tj ET Q q 0 0 0 rg BT 539.74 151.10 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 139.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 71.77 139.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 103.49 139.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 139.92 139.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 175.54 139.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 209.47 139.10 Td (was ) Tj ET Q q 0 0 0 rg BT 227.31 139.10 Td ($353 ) Tj ET Q q 0 0 0 rg BT 249.60 139.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 283.28 139.10 Td (up ) Tj ET Q q 0 0 0 rg BT 295.57 139.10 Td (9% ) Tj ET Q q 0 0 0 rg BT 311.19 139.10 Td (from ) Tj ET Q q 0 0 0 rg BT 332.92 139.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.42 139.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 369.15 139.10 Td (year) Tj ET Q q 0 0 0 rg BT 385.96 139.10 Td (, ) Tj ET Q q 0 0 0 rg BT 390.75 139.10 Td (lar) Tj ET Q q 0 0 0 rg BT 401.11 139.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 420.62 139.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 461.22 139.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 489.05 139.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 512.45 139.10 Td (on ) Tj ET Q q 0 0 0 rg BT 524.74 139.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 127.10 Td (received ) Tj ET Q q 0 0 0 rg BT 85.86 127.10 Td (from ) Tj ET Q q 0 0 0 rg BT 107.80 127.10 Td (restructurings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 109.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 84.94 109.10 Td (& ) Tj ET Q q 0 0 0 rg BT 95.39 109.10 Td (Investor ) Tj ET Q q 0 0 0 rg BT 130.83 109.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 167.38 109.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 201.69 109.10 Td (was ) Tj ET Q q 0 0 0 rg BT 219.92 109.10 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 240.09 109.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 271.37 109.10 Td (up ) Tj ET Q q 0 0 0 rg BT 284.04 109.10 Td (7% ) Tj ET Q q 0 0 0 rg BT 300.04 109.10 Td (from ) Tj ET Q q 0 0 0 rg BT 322.15 109.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.04 109.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 359.15 109.10 Td (year) Tj ET Q q 0 0 0 rg BT 375.96 109.10 Td (, ) Tj ET Q q 0 0 0 rg BT 381.13 109.10 Td (despite ) Tj ET Q q 0 0 0 rg BT 412.12 109.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.01 109.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 456.89 109.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.89 109.10 Td (business ) Tj ET Q q 0 0 0 rg BT 504.46 109.10 Td (simplification, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 97.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 78.43 97.10 Td (by ) Tj ET Q q 0 0 0 rg BT 91.81 97.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 120.74 97.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 156.89 97.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 194.41 97.10 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 238.90 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.50 97.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 289.52 97.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 321.78 97.10 Td (related ) Tj ET Q q 0 0 0 rg BT 352.36 97.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.52 97.10 Td (business ) Tj ET Q q 0 0 0 rg BT 400.79 97.10 Td (simplification, ) Tj ET Q q 0 0 0 rg BT 461.98 97.10 Td (T) Tj ET Q q 0 0 0 rg BT 467.39 97.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 485.76 97.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 521.91 97.10 Td (and ) Tj ET Q q 0 0 0 rg BT 539.73 97.10 Td (Fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 85.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 81.91 85.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 117.10 85.10 Td (would ) Tj ET Q q 0 0 0 rg BT 144.52 85.10 Td (each ) Tj ET Q q 0 0 0 rg BT 165.26 85.10 Td (have ) Tj ET Q q 0 0 0 rg BT 186.56 85.10 Td (been ) Tj ET Q q 0 0 0 rg BT 207.85 85.10 Td (up ) Tj ET Q q 0 0 0 rg BT 220.28 85.10 Td (20%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 238.61 89.63 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.86 85.10 Td (. ) Tj ET Q q 0 0 0 rg BT 246.78 85.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 275.86 85.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 311.06 85.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 345.12 85.10 Td (was ) Tj ET Q q 0 0 0 rg BT 363.10 85.10 Td (up ) Tj ET Q q 0 0 0 rg BT 375.52 85.10 Td (22%. ) Tj ET Q q 0 0 0 rg BT 398.77 85.10 Td (Macro ) Tj ET Q q 0 0 0 rg BT 427.29 85.10 Td (events ) Tj ET Q q 0 0 0 rg BT 455.26 85.10 Td (drove ) Tj ET Q q 0 0 0 rg BT 480.45 85.10 Td (robust ) Tj ET Q q 0 0 0 rg BT 507.87 85.10 Td (client ) Tj ET Q q 0 0 0 rg BT 532.51 85.10 Td (activity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 73.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.78 73.10 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 85.06 73.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 117.54 73.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 152.81 73.10 Td (including ) Tj ET Q q 0 0 0 rg BT 193.08 73.10 Td (in ) Tj ET Q q 0 0 0 rg BT 203.36 73.10 Td (Currencies ) Tj ET Q q 0 0 0 rg BT 249.18 73.10 Td (& ) Tj ET Q q 0 0 0 rg BT 259.46 73.10 Td (Emer) Tj ET Q q 0 0 0 rg BT 280.93 73.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 301.21 73.10 Td (Markets, ) Tj ET Q q 0 0 0 rg BT 338.98 73.10 Td (and ) Tj ET Q q 0 0 0 rg BT 355.92 73.10 Td (Rates, ) Tj ET Q q 0 0 0 rg BT 383.13 73.10 Td (as ) Tj ET Q q 0 0 0 rg BT 393.96 73.10 Td (well ) Tj ET Q q 0 0 0 rg BT 413.68 73.10 Td (as ) Tj ET Q q 0 0 0 rg BT 424.51 73.10 Td (in ) Tj ET Q q 0 0 0 rg BT 434.79 73.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 463.95 73.10 Td (Markets.) 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 303.50 33.60 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 740.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 100.56 740.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 137.18 740.10 Td (was ) Tj ET Q q 0 0 0 rg BT 157.14 740.10 Td ($5.7 ) Tj ET Q q 0 0 0 rg BT 179.05 740.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 212.07 740.10 Td (up ) Tj ET Q q 0 0 0 rg BT 226.48 740.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 244.22 740.10 Td (from ) Tj ET Q q 0 0 0 rg BT 268.07 740.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.69 740.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 308.54 740.10 Td (year) Tj ET Q q 0 0 0 rg BT 325.34 740.10 Td (, ) Tj ET Q q 0 0 0 rg BT 332.25 740.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 362.21 740.10 Td (by ) Tj ET Q q 0 0 0 rg BT 376.62 740.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 406.57 740.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 430.42 740.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 467.03 740.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.88 740.10 Td (performance-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 107.54 728.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 144.75 728.10 Td (lar) Tj ET Q q 0 0 0 rg BT 155.12 728.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 174.83 728.10 Td (of) Tj ET Q q 0 0 0 rg BT 182.98 728.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 199.92 728.10 Td (by ) Tj ET Q q 0 0 0 rg BT 212.42 728.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.14 728.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 256.85 728.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.68 728.10 Td (business ) Tj ET Q q 0 0 0 rg BT 304.07 728.10 Td (simplification.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.79 710.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 106.30 710.10 Td (for ) Tj ET Q q 0 0 0 rg BT 119.70 710.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 144.21 710.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 169.84 710.10 Td (was ) Tj ET Q q 0 0 0 rg BT 187.13 710.10 Td (a ) Tj ET Q q 0 0 0 rg BT 193.31 710.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 222.81 710.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.88 710.10 Td ($31 ) Tj ET Q q 0 0 0 rg BT 249.62 710.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 282.75 710.10 Td (down ) Tj ET Q q 0 0 0 rg BT 306.71 710.10 Td ($80 ) Tj ET Q q 0 0 0 rg BT 323.45 710.10 Td (million ) Tj ET Q q 0 0 0 rg BT 354.09 710.10 Td (from ) Tj ET Q q 0 0 0 rg BT 375.26 710.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.22 710.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 410.40 710.10 Td (year) Tj ET Q q 0 0 0 rg BT 427.21 710.10 Td (, ) Tj ET Q q 0 0 0 rg BT 431.45 710.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 458.73 710.10 Td (by ) Tj ET Q q 0 0 0 rg BT 470.47 710.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 497.76 710.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 528.37 710.10 Td (releases.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 672.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 52.50 657.50 Td (COMMERCIAL BANKING \(CB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 642.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 642.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 642.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 642.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 642.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 642.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 642.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 642.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 642.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 642.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 627.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 627.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 627.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 627.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 627.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 627.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 627.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 627.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 627.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 627.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 627.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 627.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 567.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 567.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 567.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 567.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 567.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 567.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 567.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 567.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 567.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 567.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 567.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 567.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 627.6 m 423 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 627.6 m 468 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 627.6 m 472 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 627.6 m 517 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 627.6 m 562 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 612.6 m 231 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 612.6 m 276 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 612.6 m 280 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 612.6 m 325 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 612.6 m 329 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 612.6 m 374 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 612.6 m 378 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 612.6 m 423 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 612.6 m 468 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 612.6 m 472 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 612.6 m 517 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 612.6 m 562 612.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 567.6 m 231 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 552.6 m 231 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 567.6 m 276 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 552.6 m 276 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 567.6 m 280 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 552.6 m 280 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 567.6 m 325 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 552.6 m 325 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 567.6 m 329 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 552.6 m 329 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 567.6 m 374 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 552.6 m 374 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 567.6 m 378 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 552.6 m 378 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 567.6 m 423 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 552.6 m 423 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 567.6 m 468 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 552.6 m 468 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 567.6 m 472 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 552.6 m 472 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 567.6 m 517 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 552.6 m 517 552.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 567.6 m 562 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 552.6 m 562 552.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 632.27 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 632.27 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 632.27 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 617.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 617.27 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 617.27 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 617.27 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 617.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 617.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 617.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 617.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 603.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 602.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 602.27 Td (1,742) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 602.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 602.27 Td (1,770) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 602.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 602.27 Td (1,678) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 602.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 602.32 Td (\(28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 602.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 602.27 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 602.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 602.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 602.27 Td (64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 602.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 602.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 587.27 Td (709) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 587.27 Td (666) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 587.27 Td (686) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 587.27 Td (43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 587.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 587.27 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 587.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 573.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 572.27 Td (61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 572.32 Td (\(48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 572.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 572.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 572.27 Td (109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 572.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 572.27 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 572.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 558.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 557.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 557.27 Td (598) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 557.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 557.27 Td (693) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 557.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 557.27 Td (594) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 557.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 557.32 Td (\(95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 557.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 557.27 Td (\(14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 557.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 557.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 557.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 557.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 557.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 529.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 529.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 529.10 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 517.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 517.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 517.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 517.10 Td ($598 ) Tj ET Q q 0 0 0 rg BT 138.92 517.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 517.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 213.07 517.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 228.90 517.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 270.82 517.10 Td (with ) Tj ET Q q 0 0 0 rg BT 291.10 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.82 517.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 327.76 517.10 Td (year) Tj ET Q q 0 0 0 rg BT 344.41 517.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 499.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.71 499.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.14 499.10 Td (was ) Tj ET Q q 0 0 0 rg BT 119.46 499.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 139.74 499.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.13 499.10 Td (an ) Tj ET Q q 0 0 0 rg BT 183.34 499.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 218.87 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.98 499.10 Td ($64 ) Tj ET Q q 0 0 0 rg BT 247.75 499.10 Td (million ) Tj ET Q q 0 0 0 rg BT 279.42 499.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 321.62 499.10 Td (with ) Tj ET Q q 0 0 0 rg BT 342.18 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.17 499.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 379.38 499.10 Td (year) Tj ET Q q 0 0 0 rg BT 396.19 499.10 Td (, ) Tj ET Q q 0 0 0 rg BT 401.47 499.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 429.79 499.10 Td (by ) Tj ET Q q 0 0 0 rg BT 442.56 499.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 470.89 499.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 518.10 499.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 552.52 499.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 487.10 Td (record ) Tj ET Q q 0 0 0 rg BT 78.61 487.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 103.30 487.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 150.75 487.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 186.54 487.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 224.26 487.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 242.27 487.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 275.28 487.10 Td (income ) Tj ET Q q 0 0 0 rg BT 308.29 487.10 Td (was ) Tj ET Q q 0 0 0 rg BT 327.41 487.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 348.48 487.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 380.67 487.10 Td (down ) Tj ET Q q 0 0 0 rg BT 406.47 487.10 Td (slightly ) Tj ET Q q 0 0 0 rg BT 440.04 487.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 483.04 487.10 Td (with ) Tj ET Q q 0 0 0 rg BT 504.39 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.18 487.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 543.19 487.10 Td (year) Tj ET Q q 0 0 0 rg BT 560.00 487.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 475.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 90.31 475.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 118.91 475.10 Td (compression ) Tj ET Q q 0 0 0 rg BT 171.96 475.10 Td (on ) Tj ET Q q 0 0 0 rg BT 184.46 475.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 204.17 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.11 475.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 254.72 475.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 294.16 475.10 Td (lar) Tj ET Q q 0 0 0 rg BT 304.52 475.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 324.24 475.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.39 475.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 349.33 475.10 Td (by ) Tj ET Q q 0 0 0 rg BT 361.83 475.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 389.88 475.10 Td (balances. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 457.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 457.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 457.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 457.10 Td ($709 ) Tj ET Q q 0 0 0 rg BT 173.91 457.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 207.81 457.10 Td (up ) Tj ET Q q 0 0 0 rg BT 220.31 457.10 Td ($23 ) Tj ET Q q 0 0 0 rg BT 237.81 457.10 Td (million ) Tj ET Q q 0 0 0 rg BT 269.20 457.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 311.12 457.10 Td (with ) Tj ET Q q 0 0 0 rg BT 331.40 457.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.12 457.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 368.05 457.10 Td (year) Tj ET Q q 0 0 0 rg BT 384.86 457.10 Td (, ) Tj ET Q q 0 0 0 rg BT 389.86 457.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 417.91 457.10 Td (by ) Tj ET Q q 0 0 0 rg BT 430.41 457.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 458.46 457.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 504.84 457.10 Td (in ) Tj ET Q q 0 0 0 rg BT 515.12 457.10 Td (controls.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 439.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.69 439.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 106.12 439.10 Td (for ) Tj ET Q q 0 0 0 rg BT 119.43 439.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 143.84 439.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 169.38 439.10 Td (was ) Tj ET Q q 0 0 0 rg BT 186.58 439.10 Td ($61 ) Tj ET Q q 0 0 0 rg BT 203.23 439.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 236.27 439.10 Td ($56 ) Tj ET Q q 0 0 0 rg BT 252.92 439.10 Td (million ) Tj ET Q q 0 0 0 rg BT 283.46 439.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 310.65 439.10 Td (than ) Tj ET Q q 0 0 0 rg BT 329.51 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.38 439.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 364.47 439.10 Td (year) Tj ET Q q 0 0 0 rg BT 381.27 439.10 Td (, ) Tj ET Q q 0 0 0 rg BT 385.42 439.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 412.62 439.10 Td (by ) Tj ET Q q 0 0 0 rg BT 424.26 439.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 451.46 439.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 481.97 439.10 Td (build ) Tj ET Q q 0 0 0 rg BT 504.18 439.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 565.00 439.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.20 427.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.48 427.10 Td (Oil ) Tj ET Q q 0 0 0 rg BT 104.76 427.10 Td (& ) Tj ET Q q 0 0 0 rg BT 115.04 427.10 Td (Gas ) Tj ET Q q 0 0 0 rg BT 133.09 427.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 175.58 427.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.52 427.10 Td (net ) Tj ET Q q 0 0 0 rg BT 207.23 427.10 Td (char) Tj ET Q q 0 0 0 rg BT 224.26 427.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 245.18 427.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 254.90 427.10 Td (in ) Tj ET Q q 0 0 0 rg BT 265.18 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.90 427.10 Td (current ) Tj ET Q q 0 0 0 rg BT 310.71 427.10 Td (period ) Tj ET Q q 0 0 0 rg BT 338.76 427.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 380.68 427.10 Td (with ) Tj ET Q q 0 0 0 rg BT 400.96 427.10 Td (net ) Tj ET Q q 0 0 0 rg BT 415.68 427.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 459.26 427.10 Td (in ) Tj ET Q q 0 0 0 rg BT 469.54 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.26 427.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 506.19 427.10 Td (year) Tj ET Q q 0 0 0 rg BT 522.85 427.10 Td (.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 389.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 381.95 148.71 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 374.50 Td (ASSET MANAGEMENT \(AM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 359.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 359.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 359.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 359.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 359.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 359.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 359.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 359.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 359.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 359.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 344.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 344.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 344.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 344.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 344.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 344.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 344.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 344.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 344.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 344.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 344.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 344.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 284.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 284.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 284.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 284.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 284.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 284.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 284.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 284.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 284.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 284.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 284.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 284.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 344.6 m 423 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 344.6 m 468 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 344.6 m 472 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 344.6 m 517 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 344.6 m 562 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 329.6 m 231 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 329.6 m 276 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 329.6 m 280 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 329.6 m 325 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 329.6 m 329 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 329.6 m 374 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 329.6 m 378 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 329.6 m 423 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 329.6 m 468 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 329.6 m 472 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 329.6 m 517 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 329.6 m 562 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 284.6 m 231 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 269.6 m 231 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 284.6 m 276 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 269.6 m 276 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 284.6 m 280 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 269.6 m 280 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 284.6 m 325 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 269.6 m 325 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 284.6 m 329 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 269.6 m 329 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 284.6 m 374 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 269.6 m 374 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 284.6 m 378 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 269.6 m 378 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 284.6 m 423 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 269.6 m 423 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 284.6 m 468 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 269.6 m 468 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 284.6 m 472 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 269.6 m 472 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 284.6 m 517 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 269.6 m 517 269.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 284.6 m 562 284.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 269.6 m 562 269.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 349.27 Td (Results for AM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 349.27 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 349.27 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 334.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 334.27 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 334.27 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 334.27 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 334.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 334.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 334.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 334.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 320.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 319.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 319.27 Td (3,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 319.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 319.27 Td (3,200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 319.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 319.27 Td (2,800) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 319.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 319.32 Td (\(195) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 319.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 319.27 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 319.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 319.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 319.27 Td (205) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 319.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 319.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 305.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 304.27 Td (2,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 304.27 Td (2,320) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 304.27 Td (2,075) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 304.32 Td (\(145) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 304.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 304.27 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 304.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 304.27 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 304.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 290.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.15 289.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 289.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.80 289.32 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 289.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 289.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 289.27 Td (33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 289.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 289.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 275.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 274.27 Td (502) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 274.27 Td (540) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 274.27 Td (454) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 274.32 Td (\(38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 274.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 274.27 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 274.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 274.27 Td (48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 274.27 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 274.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 243.70 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 243.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.62 231.70 Td (income ) Tj ET Q q 0 0 0 rg BT 98.74 231.70 Td (was ) Tj ET Q q 0 0 0 rg BT 116.97 231.70 Td ($502 ) Tj ET Q q 0 0 0 rg BT 139.66 231.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 173.73 231.70 Td (an ) Tj ET Q q 0 0 0 rg BT 185.85 231.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 221.29 231.70 Td (of ) Tj ET Q q 0 0 0 rg BT 232.30 231.70 Td ($48 ) Tj ET Q q 0 0 0 rg BT 249.99 231.70 Td (million ) Tj ET Q q 0 0 0 rg BT 281.56 231.70 Td (from ) Tj ET Q q 0 0 0 rg BT 303.68 231.70 Td (the ) Tj ET Q q 0 0 0 rg BT 318.58 231.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.70 231.70 Td (year) Tj ET Q q 0 0 0 rg BT 357.51 231.70 Td (, ) Tj ET Q q 0 0 0 rg BT 362.69 231.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 403.69 231.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 431.92 231.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 468.75 231.70 Td (lar) Tj ET Q q 0 0 0 rg BT 479.11 231.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 499.01 231.70 Td (of) Tj ET Q q 0 0 0 rg BT 507.16 231.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 524.28 231.70 Td (by ) Tj ET Q q 0 0 0 rg BT 536.97 231.70 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 96.43 219.70 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 201.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.50 201.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.71 201.70 Td (was ) Tj ET Q q 0 0 0 rg BT 118.83 201.70 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 138.89 201.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 170.07 201.70 Td (an ) Tj ET Q q 0 0 0 rg BT 182.07 201.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 217.39 201.70 Td (of ) Tj ET Q q 0 0 0 rg BT 228.28 201.70 Td ($205 ) Tj ET Q q 0 0 0 rg BT 250.84 201.70 Td (million ) Tj ET Q q 0 0 0 rg BT 282.30 201.70 Td (from ) Tj ET Q q 0 0 0 rg BT 304.30 201.70 Td (the ) Tj ET Q q 0 0 0 rg BT 319.08 201.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 341.08 201.70 Td (year) Tj ET Q q 0 0 0 rg BT 357.89 201.70 Td (, ) Tj ET Q q 0 0 0 rg BT 362.95 201.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 391.06 201.70 Td (by ) Tj ET Q q 0 0 0 rg BT 403.63 201.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 431.74 201.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 478.73 201.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 512.94 201.70 Td (on ) Tj ET Q q 0 0 0 rg BT 525.51 201.70 Td (net ) Tj ET Q q 0 0 0 rg BT 540.29 201.70 Td (client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 82.00 189.70 Td (and ) Tj ET Q q 0 0 0 rg BT 98.94 189.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 126.99 189.70 Td (market ) Tj ET Q q 0 0 0 rg BT 157.25 189.70 Td (levels, ) Tj ET Q q 0 0 0 rg BT 185.57 189.70 Td (and ) Tj ET Q q 0 0 0 rg BT 202.51 189.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 230.56 189.70 Td (net ) Tj ET Q q 0 0 0 rg BT 245.28 189.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 277.21 189.70 Td (income ) Tj ET Q q 0 0 0 rg BT 309.14 189.70 Td (on ) Tj ET Q q 0 0 0 rg BT 321.64 189.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 349.69 189.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 381.08 189.70 Td (and ) Tj ET Q q 0 0 0 rg BT 398.02 189.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 417.73 189.70 Td (balances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.22 171.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.49 171.70 Td (was ) Tj ET Q q 0 0 0 rg BT 153.11 171.70 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 173.68 171.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 205.35 171.70 Td (an ) Tj ET Q q 0 0 0 rg BT 217.86 171.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 253.68 171.70 Td (of ) Tj ET Q q 0 0 0 rg BT 265.07 171.70 Td ($100 ) Tj ET Q q 0 0 0 rg BT 288.14 171.70 Td (million ) Tj ET Q q 0 0 0 rg BT 320.10 171.70 Td (from ) Tj ET Q q 0 0 0 rg BT 342.60 171.70 Td (the ) Tj ET Q q 0 0 0 rg BT 357.88 171.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 380.39 171.70 Td (year) Tj ET Q q 0 0 0 rg BT 397.19 171.70 Td (, ) Tj ET Q q 0 0 0 rg BT 402.76 171.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 431.37 171.70 Td (by ) Tj ET Q q 0 0 0 rg BT 444.44 171.70 Td (continued ) Tj ET Q q 0 0 0 rg BT 486.93 171.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 533.88 171.70 Td (in ) Tj ET Q q 0 0 0 rg BT 544.73 171.70 Td (both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.70 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 105.86 159.70 Td (and ) Tj ET Q q 0 0 0 rg BT 122.80 159.70 Td (controls.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 141.70 Td (Assets ) Tj ET Q q 0 0 0 rg BT 78.19 141.70 Td (under ) Tj ET Q q 0 0 0 rg BT 103.53 141.70 Td (management ) Tj ET Q q 0 0 0 rg BT 157.19 141.70 Td (were ) Tj ET Q q 0 0 0 rg BT 179.19 141.70 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 199.26 141.70 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 231.55 141.70 Td (an ) Tj ET Q q 0 0 0 rg BT 243.57 141.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 278.89 141.70 Td (of ) Tj ET Q q 0 0 0 rg BT 289.79 141.70 Td ($1) Tj ET Q q 0 0 0 rg BT 299.42 141.70 Td (1) Tj ET Q q 0 0 0 rg BT 304.05 141.70 Td (1 ) Tj ET Q q 0 0 0 rg BT 311.62 141.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 340.31 141.70 Td (from ) Tj ET Q q 0 0 0 rg BT 362.32 141.70 Td (the ) Tj ET Q q 0 0 0 rg BT 377.11 141.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 399.12 141.70 Td (year) Tj ET Q q 0 0 0 rg BT 415.93 141.70 Td (, ) Tj ET Q q 0 0 0 rg BT 421.00 141.70 Td (due ) Tj ET Q q 0 0 0 rg BT 438.01 141.70 Td (to ) Tj ET Q q 0 0 0 rg BT 448.36 141.70 Td (net ) Tj ET Q q 0 0 0 rg BT 463.15 141.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 495.72 141.70 Td (to ) Tj ET Q q 0 0 0 rg BT 506.07 141.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 548.08 141.70 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 129.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 85.89 129.70 Td (products ) Tj ET Q q 0 0 0 rg BT 122.83 129.70 Td (and ) Tj ET Q q 0 0 0 rg BT 139.77 129.70 Td (the ) Tj ET Q q 0 0 0 rg BT 154.49 129.70 Td (ef) Tj ET Q q 0 0 0 rg BT 162.07 129.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 179.56 129.70 Td (of ) Tj ET Q q 0 0 0 rg BT 190.39 129.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 218.44 129.70 Td (market ) Tj ET Q q 0 0 0 rg BT 248.70 129.70 Td (levels.) 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 33.60 Td (5) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 746.50 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 738.85 69.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 731.40 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 731.40 Td (TE) Tj ET Q BT /F2 11.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 121.96 743.83 7.15 -9.82 re f /GS0 gs BT /F2 7.15 Tf ET q 1 1 1 rg BT 121.96 736.38 Td (15) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 716.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 701.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 701.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 671.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 671.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 671.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 671.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 671.50 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 671.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 656.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 656.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 656.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 656.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 656.50 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 656.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 641.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 641.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 641.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 641.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 641.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 641.50 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 701.5 m 423 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 701.5 m 468 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 701.5 m 472 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 701.5 m 517 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 701.5 m 562 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 686.5 m 231 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 686.5 m 276 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 686.5 m 280 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 686.5 m 325 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 686.5 m 329 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 686.5 m 374 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 686.5 m 378 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 686.5 m 423 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 686.5 m 468 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 686.5 m 472 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 686.5 m 517 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 686.5 m 562 686.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 641.5 m 231 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 626.5 m 231 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 641.5 m 276 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 626.5 m 276 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 641.5 m 280 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 626.5 m 280 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 641.5 m 325 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 626.5 m 325 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 641.5 m 329 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 626.5 m 329 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 641.5 m 374 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 626.5 m 374 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 641.5 m 378 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 626.5 m 378 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 641.5 m 423 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 626.5 m 423 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 641.5 m 468 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 626.5 m 468 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 641.5 m 472 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 626.5 m 472 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 641.5 m 517 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 626.5 m 517 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 641.5 m 562 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 626.5 m 562 626.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 706.17 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 706.17 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 706.17 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 691.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 691.17 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 691.17 Td (4Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 691.17 Td (1Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 677.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 676.17 Td (\(213) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 676.17 Td (247) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.80 676.22 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 676.22 Td (\(460) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 676.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 676.22 Td (\(212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 676.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 662.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 661.17 Td (152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 661.17 Td (436) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 661.22 Td (\(166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 661.22 Td (\(284) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 661.17 Td (\(65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 661.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 661.17 Td (318) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 661.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 647.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.80 646.17 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 646.22 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 646.22 Td (\(11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 646.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 646.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 646.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 646.17 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 646.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 632.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 631.17 Td (58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 631.17 Td (547) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 631.17 Td (115) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 631.22 Td (\(489) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 631.17 Td (\(89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 631.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 631.22 Td (\(57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 631.17 Td (\(50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 631.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 600.60 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 588.60 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.36 588.60 Td (income ) Tj ET Q q 0 0 0 rg BT 98.21 588.60 Td (was ) Tj ET Q q 0 0 0 rg BT 116.17 588.60 Td ($58 ) Tj ET Q q 0 0 0 rg BT 133.59 588.60 Td (million, ) Tj ET Q q 0 0 0 rg BT 167.40 588.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 209.24 588.60 Td (with ) Tj ET Q q 0 0 0 rg BT 229.44 588.60 Td (net ) Tj ET Q q 0 0 0 rg BT 244.07 588.60 Td (income ) Tj ET Q q 0 0 0 rg BT 275.92 588.60 Td (of ) Tj ET Q q 0 0 0 rg BT 286.67 588.60 Td ($1) Tj ET Q q 0 0 0 rg BT 296.30 588.60 Td (15 ) Tj ET Q q 0 0 0 rg BT 308.71 588.60 Td (million ) Tj ET Q q 0 0 0 rg BT 340.02 588.60 Td (in ) Tj ET Q q 0 0 0 rg BT 350.22 588.60 Td (the ) Tj ET Q q 0 0 0 rg BT 364.85 588.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 386.71 588.60 Td (year) Tj ET Q q 0 0 0 rg BT 403.36 588.60 Td (. ) Tj ET Q q 0 0 0 rg BT 408.28 588.60 Td (Lower ) Tj ET Q q 0 0 0 rg BT 436.79 588.60 Td (net ) Tj ET Q q 0 0 0 rg BT 451.43 588.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 485.49 588.60 Td (and ) Tj ET Q q 0 0 0 rg BT 502.35 588.60 Td (higher ) Tj ET Q q 0 0 0 rg BT 530.31 588.60 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 576.60 Td (were ) Tj ET Q q 0 0 0 rg BT 71.04 576.60 Td (lar) Tj ET Q q 0 0 0 rg BT 81.41 576.60 Td (gely ) Tj ET Q q 0 0 0 rg BT 100.74 576.60 Td (of) Tj ET Q q 0 0 0 rg BT 108.88 576.60 Td (fset ) Tj ET Q q 0 0 0 rg BT 125.44 576.60 Td (by ) Tj ET Q q 0 0 0 rg BT 137.55 576.60 Td (a ) Tj ET Q q 0 0 0 rg BT 144.10 576.60 Td (benefit ) Tj ET Q q 0 0 0 rg BT 173.97 576.60 Td (from ) Tj ET Q q 0 0 0 rg BT 195.52 576.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 209.85 576.60 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 259.74 576.60 Td (of ) Tj ET Q q 0 0 0 rg BT 270.18 576.60 Td ($177 ) Tj ET Q q 0 0 0 rg BT 292.29 576.60 Td (million ) Tj ET Q q 0 0 0 rg BT 323.29 576.60 Td (versus ) Tj ET Q q 0 0 0 rg BT 350.96 576.60 Td (a ) Tj ET Q q 0 0 0 rg BT 357.51 576.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 371.84 576.60 Td (char) Tj ET Q q 0 0 0 rg BT 388.86 576.60 Td (ge ) Tj ET Q q 0 0 0 rg BT 400.41 576.60 Td (of ) Tj ET Q q 0 0 0 rg BT 410.85 576.60 Td (approximately ) Tj ET Q q 0 0 0 rg BT 470.73 576.60 Td ($90 ) Tj ET Q q 0 0 0 rg BT 487.84 576.60 Td (million ) Tj ET Q q 0 0 0 rg BT 518.84 576.60 Td (in ) Tj ET Q q 0 0 0 rg BT 528.73 576.60 Td (the ) Tj ET Q q 0 0 0 rg BT 543.06 576.60 Td (prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 564.60 Td (year) Tj ET Q q 0 0 0 rg BT 66.16 564.60 Td (. ) Tj ET Q q 0 0 0 rg BT 70.02 564.60 Td (T) Tj ET Q q 0 0 0 rg BT 75.77 564.60 Td (reasury ) Tj ET Q q 0 0 0 rg BT 106.67 564.60 Td (& ) Tj ET Q q 0 0 0 rg BT 115.92 564.60 Td (CIO ) Tj ET Q q 0 0 0 rg BT 134.60 564.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 169.39 564.60 Td (a ) Tj ET Q q 0 0 0 rg BT 175.29 564.60 Td (net ) Tj ET Q q 0 0 0 rg BT 188.98 564.60 Td (loss ) Tj ET Q q 0 0 0 rg BT 206.01 564.60 Td (of ) Tj ET Q q 0 0 0 rg BT 215.80 564.60 Td ($221 ) Tj ET Q q 0 0 0 rg BT 237.27 564.60 Td (million, ) Tj ET Q q 0 0 0 rg BT 270.13 564.60 Td (which ) Tj ET Q q 0 0 0 rg BT 296.03 564.60 Td (included ) Tj ET Q q 0 0 0 rg BT 331.94 564.60 Td (a ) Tj ET Q q 0 0 0 rg BT 337.84 564.60 Td ($173 ) Tj ET Q q 0 0 0 rg BT 359.31 564.60 Td (million ) Tj ET Q q 0 0 0 rg BT 389.67 564.60 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 419.45 564.60 Td (loss ) Tj ET Q q 0 0 0 rg BT 436.48 564.60 Td (associated ) Tj ET Q q 0 0 0 rg BT 479.04 564.60 Td (with ) Tj ET Q q 0 0 0 rg BT 498.29 564.60 Td (the ) Tj ET Q q 0 0 0 rg BT 511.97 564.60 Td (amortization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 552.60 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 552.60 Td (cash ) Tj ET Q q 0 0 0 rg BT 80.60 552.60 Td (flow ) Tj ET Q q 0 0 0 rg BT 101.43 552.60 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 134.20 552.60 Td (primarily ) Tj ET Q q 0 0 0 rg BT 173.91 552.60 Td (related ) Tj ET Q q 0 0 0 rg BT 203.61 552.60 Td (to ) Tj ET Q q 0 0 0 rg BT 213.89 552.60 Td (the ) Tj ET Q q 0 0 0 rg BT 228.61 552.60 Td (exit ) Tj ET Q q 0 0 0 rg BT 246.10 552.60 Td (of ) Tj ET Q q 0 0 0 rg BT 256.93 552.60 Td (certain ) Tj ET Q q 0 0 0 rg BT 286.63 552.60 Td (non-operational ) Tj ET Q q 0 0 0 rg BT 352.44 552.60 Td (deposits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.18 534.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.07 534.60 Td (was ) Tj ET Q q 0 0 0 rg BT 117.86 534.60 Td (a ) Tj ET Q q 0 0 0 rg BT 124.54 534.60 Td (loss ) Tj ET Q q 0 0 0 rg BT 142.34 534.60 Td (of ) Tj ET Q q 0 0 0 rg BT 152.91 534.60 Td ($213 ) Tj ET Q q 0 0 0 rg BT 175.15 534.60 Td (million, ) Tj ET Q q 0 0 0 rg BT 208.79 534.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 250.45 534.60 Td (with ) Tj ET Q q 0 0 0 rg BT 270.47 534.60 Td (a ) Tj ET Q q 0 0 0 rg BT 277.15 534.60 Td (loss ) Tj ET Q q 0 0 0 rg BT 294.95 534.60 Td (of ) Tj ET Q q 0 0 0 rg BT 305.53 534.60 Td ($1 ) Tj ET Q q 0 0 0 rg BT 317.77 534.60 Td (million ) Tj ET Q q 0 0 0 rg BT 348.90 534.60 Td (in ) Tj ET Q q 0 0 0 rg BT 358.92 534.60 Td (the ) Tj ET Q q 0 0 0 rg BT 373.38 534.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 395.06 534.60 Td (year) Tj ET Q q 0 0 0 rg BT 411.86 534.60 Td (, ) Tj ET Q q 0 0 0 rg BT 416.60 534.60 Td (driven ) Tj ET Q q 0 0 0 rg BT 444.39 534.60 Td (by ) Tj ET Q q 0 0 0 rg BT 456.63 534.60 Td (lower ) Tj ET Q q 0 0 0 rg BT 481.64 534.60 Td (private ) Tj ET Q q 0 0 0 rg BT 511.65 534.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 538.88 534.60 Td (gains. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 516.60 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 516.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 516.60 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 516.60 Td ($152 ) Tj ET Q q 0 0 0 rg BT 173.91 516.60 Td (million, ) Tj ET Q q 0 0 0 rg BT 207.81 516.60 Td (an ) Tj ET Q q 0 0 0 rg BT 219.74 516.60 Td (increase ) Tj ET Q q 0 0 0 rg BT 255.00 516.60 Td (of ) Tj ET Q q 0 0 0 rg BT 265.83 516.60 Td ($318 ) Tj ET Q q 0 0 0 rg BT 288.33 516.60 Td (million ) Tj ET Q q 0 0 0 rg BT 319.72 516.60 Td (from ) Tj ET Q q 0 0 0 rg BT 341.66 516.60 Td (the ) Tj ET Q q 0 0 0 rg BT 356.38 516.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 378.31 516.60 Td (year) Tj ET Q q 0 0 0 rg BT 395.12 516.60 Td (, ) Tj ET Q q 0 0 0 rg BT 400.12 516.60 Td (driven ) Tj ET Q q 0 0 0 rg BT 428.17 516.60 Td (by ) Tj ET Q q 0 0 0 rg BT 440.67 516.60 Td (higher ) Tj ET Q q 0 0 0 rg BT 468.71 516.60 Td (legal ) Tj ET Q q 0 0 0 rg BT 490.65 516.60 Td (expense.) 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 33.60 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 59.50 740.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 85.88 740.25 Td (on ) Tj ET Q q 0 0 0 rg BT 98.94 740.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 146.17 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 148.67 740.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.40 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 219.88 740.25 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.25 Td (a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 716.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.98 716.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.91 716.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.84 716.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.86 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.23 716.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 205.53 716.25 Td (results ) Tj ET Q q 0 0 0 rg BT 233.79 716.25 Td (on ) Tj ET Q q 0 0 0 rg BT 245.94 716.25 Td (a ) Tj ET Q q 0 0 0 rg BT 252.53 716.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 288.00 716.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 312.65 716.25 Td (management ) Tj ET Q q 0 0 0 rg BT 365.89 716.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 399.14 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 413.51 716.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 440.81 716.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.57 716.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.49 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.86 716.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 704.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 91.49 704.25 Td (and ) Tj ET Q q 0 0 0 rg BT 109.10 704.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.48 704.25 Td (results ) Tj ET Q q 0 0 0 rg BT 153.76 704.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.26 704.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.64 704.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 202.70 704.25 Td (of ) Tj ET Q q 0 0 0 rg BT 214.20 704.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 253.76 704.25 Td (on ) Tj ET Q q 0 0 0 rg BT 266.92 704.25 Td (a ) Tj ET Q q 0 0 0 rg BT 274.53 704.25 Td (managed?) Tj ET Q q 0 0 0 rg BT 322.67 704.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 348.34 704.25 Td (which ) Tj ET Q q 0 0 0 rg BT 375.94 704.25 Td (is ) Tj ET Q q 0 0 0 rg BT 385.78 704.25 Td (a ) Tj ET Q q 0 0 0 rg BT 393.39 704.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 438.57 704.25 Td ( ) Tj ET Q q 0 0 0 rg BT 441.74 704.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 479.89 704.25 Td (measure. ) Tj ET Q q 0 0 0 rg BT 518.64 704.25 Td (The ) Tj ET Q q 0 0 0 rg BT 537.36 704.25 Td (Firm's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 692.25 Td (definition ) Tj ET Q q 0 0 0 rg BT 108.90 692.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.74 692.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 158.35 692.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 180.86 692.25 Td (starts ) Tj ET Q q 0 0 0 rg BT 204.48 692.25 Td (with ) Tj ET Q q 0 0 0 rg BT 224.77 692.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.50 692.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 275.33 692.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 295.63 692.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 322.49 692.25 Td ( ) Tj ET Q q 0 0 0 rg BT 325.00 692.25 Td (results ) Tj ET Q q 0 0 0 rg BT 353.62 692.25 Td (and ) Tj ET Q q 0 0 0 rg BT 370.57 692.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 406.41 692.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 436.13 692.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 503.06 692.25 Td (to ) Tj ET Q q 0 0 0 rg BT 513.35 692.25 Td (present ) Tj ET Q q 0 0 0 rg BT 544.74 692.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 680.25 Td (net ) Tj ET Q q 0 0 0 rg BT 81.42 680.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 114.77 680.25 Td (for ) Tj ET Q q 0 0 0 rg BT 128.13 680.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.05 680.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.20 680.25 Td (\(and ) Tj ET Q q 0 0 0 rg BT 182.67 680.25 Td (each ) Tj ET Q q 0 0 0 rg BT 202.69 680.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.73 680.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.65 680.25 Td (business ) Tj ET Q q 0 0 0 rg BT 262.24 680.25 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 304.49 680.25 Td (on ) Tj ET Q q 0 0 0 rg BT 316.19 680.25 Td (a ) Tj ET Q q 0 0 0 rg BT 322.34 680.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 342.93 680.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 418.48 680.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 453.50 680.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 477.33 680.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 526.66 680.25 Td (, ) Tj ET Q q 0 0 0 rg BT 530.87 680.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 668.25 Td (from ) Tj ET Q q 0 0 0 rg BT 89.14 668.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 139.11 668.25 Td (that ) Tj ET Q q 0 0 0 rg BT 156.31 668.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 187.37 668.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 201.79 668.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 230.65 668.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.29 668.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 294.47 668.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 334.43 668.25 Td (is ) Tj ET Q q 0 0 0 rg BT 343.31 668.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 383.82 668.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.80 668.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.22 668.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 446.51 668.25 Td (results ) Tj ET Q q 0 0 0 rg BT 474.82 668.25 Td (on ) Tj ET Q q 0 0 0 rg BT 487.03 668.25 Td (a ) Tj ET Q q 0 0 0 rg BT 493.67 668.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 515.87 668.25 Td (comparable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 656.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.90 656.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 109.39 656.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 159.79 656.25 Td (and ) Tj ET Q q 0 0 0 rg BT 176.85 656.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 219.54 656.25 Td (This ) Tj ET Q q 0 0 0 rg BT 239.94 656.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 285.13 656.25 Td ( ) Tj ET Q q 0 0 0 rg BT 287.75 656.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 325.35 656.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 361.29 656.25 Td (allows ) Tj ET Q q 0 0 0 rg BT 390.02 656.25 Td (management ) Tj ET Q q 0 0 0 rg BT 443.73 656.25 Td (to ) Tj ET Q q 0 0 0 rg BT 454.13 656.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 481.19 656.25 Td (the ) Tj ET Q q 0 0 0 rg BT 496.03 656.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 554.19 656.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.34 644.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 130.75 644.25 Td (from ) Tj ET Q q 0 0 0 rg BT 152.38 644.25 Td (both ) Tj ET Q q 0 0 0 rg BT 172.34 644.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 203.41 644.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.04 644.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 267.21 644.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 301.73 644.25 Td (The ) Tj ET Q q 0 0 0 rg BT 319.47 644.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 378.87 644.25 Td (income ) Tj ET Q q 0 0 0 rg BT 410.49 644.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 424.90 644.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 454.31 644.25 Td (related ) Tj ET Q q 0 0 0 rg BT 483.70 644.25 Td (to ) Tj ET Q q 0 0 0 rg BT 493.67 644.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 540.84 644.25 Td (items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 632.25 Td (is ) Tj ET Q q 0 0 0 rg BT 76.19 632.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 113.18 632.25 Td (within ) Tj ET Q q 0 0 0 rg BT 140.76 632.25 Td (income ) Tj ET Q q 0 0 0 rg BT 172.21 632.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 186.44 632.25 Td (expense. ) Tj ET Q q 0 0 0 rg BT 223.02 632.25 Td (These ) Tj ET Q q 0 0 0 rg BT 248.92 632.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 298.71 632.25 Td (have ) Tj ET Q q 0 0 0 rg BT 319.60 632.25 Td (no ) Tj ET Q q 0 0 0 rg BT 331.62 632.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 360.85 632.25 Td (on ) Tj ET Q q 0 0 0 rg BT 372.87 632.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 425.43 632.25 Td (net ) Tj ET Q q 0 0 0 rg BT 439.66 632.25 Td (income ) Tj ET Q q 0 0 0 rg BT 471.12 632.25 Td (as ) Tj ET Q q 0 0 0 rg BT 481.46 632.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 516.80 632.25 Td (by ) Tj ET Q q 0 0 0 rg BT 528.82 632.25 Td (the ) Tj ET Q q 0 0 0 rg BT 543.05 632.25 Td (Firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td (as ) Tj ET Q q 0 0 0 rg BT 78.33 620.25 Td (a ) Tj ET Q q 0 0 0 rg BT 85.27 620.25 Td (whole ) Tj ET Q q 0 0 0 rg BT 112.21 620.25 Td (or ) Tj ET Q q 0 0 0 rg BT 123.04 620.25 Td (by ) Tj ET Q q 0 0 0 rg BT 135.54 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.25 620.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 171.64 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 182.47 620.25 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 596.25 Td (b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 596.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.91 596.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 103.60 596.25 Td (common ) Tj ET Q q 0 0 0 rg BT 139.84 596.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 166.09 596.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 204.26 596.25 Td (return ) Tj ET Q q 0 0 0 rg BT 229.39 596.25 Td (on ) Tj ET Q q 0 0 0 rg BT 240.64 596.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 274.11 596.25 Td (common ) Tj ET Q q 0 0 0 rg BT 310.35 596.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 336.60 596.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 386.17 596.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.86 596.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 435.32 596.25 Td (book ) Tj ET Q q 0 0 0 rg BT 456.57 596.25 Td (value ) Tj ET Q q 0 0 0 rg BT 479.48 596.25 Td (per ) Tj ET Q q 0 0 0 rg BT 493.50 596.25 Td (share ) Tj ET Q q 0 0 0 rg BT 515.85 596.25 Td (\(TBVPS\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (are ) Tj ET Q q 0 0 0 rg BT 82.92 584.25 Td (each ) Tj ET Q q 0 0 0 rg BT 104.45 584.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 149.64 584.25 Td ( ) Tj ET Q q 0 0 0 rg BT 152.85 584.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 191.05 584.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 233.73 584.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 255.84 584.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 299.59 584.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.02 584.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 337.25 584.25 Td (s ) Tj ET Q q 0 0 0 rg BT 344.35 584.25 Td (common ) Tj ET Q q 0 0 0 rg BT 382.56 584.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 435.70 584.25 Td ( ) Tj ET Q q 0 0 0 rg BT 438.91 584.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 467.12 584.25 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 488.38 584.25 Td (total ) Tj ET Q q 0 0 0 rg BT 509.37 584.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 562.50 584.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 95.72 572.25 Td (less ) Tj ET Q q 0 0 0 rg BT 113.95 572.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 153.81 572.25 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 181.48 572.25 Td (less ) Tj ET Q q 0 0 0 rg BT 199.71 572.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 238.49 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 256.16 572.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 304.92 572.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 348.14 572.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 374.70 572.25 Td (\(other ) Tj ET Q q 0 0 0 rg BT 401.80 572.25 Td (than ) Tj ET Q q 0 0 0 rg BT 422.25 572.25 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 456.32 572.25 Td (net ) Tj ET Q q 0 0 0 rg BT 471.76 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.32 572.25 Td (related ) Tj ET Q q 0 0 0 rg BT 513.75 572.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 550.28 572.25 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 109.03 560.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 143.62 560.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 182.64 560.25 Td (the ) Tj ET Q q 0 0 0 rg BT 196.67 560.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 218.89 560.25 Td (s ) Tj ET Q q 0 0 0 rg BT 224.59 560.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 260.28 560.25 Td (as ) Tj ET Q q 0 0 0 rg BT 270.42 560.25 Td (a ) Tj ET Q q 0 0 0 rg BT 276.67 560.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 321.79 560.25 Td (of ) Tj ET Q q 0 0 0 rg BT 331.93 560.25 Td (average ) Tj ET Q q 0 0 0 rg BT 364.69 560.25 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 387.76 560.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 420.70 560.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 463.04 560.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.07 560.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 503.89 560.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 524.59 560.25 Td (at ) Tj ET Q q 0 0 0 rg BT 533.62 560.25 Td (period-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (end ) Tj ET Q q 0 0 0 rg BT 84.14 548.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 116.34 548.25 Td (by ) Tj ET Q q 0 0 0 rg BT 128.54 548.25 Td (common ) Tj ET Q q 0 0 0 rg BT 165.73 548.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 192.92 548.25 Td (at ) Tj ET Q q 0 0 0 rg BT 202.34 548.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 250.20 548.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 273.79 548.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 308.77 548.25 Td (and ) Tj ET Q q 0 0 0 rg BT 325.25 548.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 358.57 548.25 Td (are ) Tj ET Q q 0 0 0 rg BT 372.98 548.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 420.72 548.25 Td (to ) Tj ET Q q 0 0 0 rg BT 430.70 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 445.12 548.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 469.27 548.25 Td (as ) Tj ET Q q 0 0 0 rg BT 479.80 548.25 Td (well ) Tj ET Q q 0 0 0 rg BT 499.22 548.25 Td (as ) Tj ET Q q 0 0 0 rg BT 509.75 548.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 548.06 548.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 536.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 104.72 536.25 Td (in ) Tj ET Q q 0 0 0 rg BT 115.00 536.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 154.72 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.43 536.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 191.66 536.25 Td (s ) Tj ET Q q 0 0 0 rg BT 198.05 536.25 Td (use ) Tj ET Q q 0 0 0 rg BT 213.88 536.25 Td (of ) Tj ET Q q 0 0 0 rg BT 224.71 536.25 Td (equity) Tj ET Q q 0 0 0 rg BT 249.06 536.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 512.25 Td (c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 512.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 105.94 512.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.48 512.25 Td (and ) Tj ET Q q 0 0 0 rg BT 157.25 512.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 192.91 512.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 231.89 512.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 252.55 512.25 Td (are ) Tj ET Q q 0 0 0 rg BT 267.09 512.25 Td (each ) Tj ET Q q 0 0 0 rg BT 287.74 512.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 332.92 512.25 Td ( ) Tj ET Q q 0 0 0 rg BT 335.25 512.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 372.57 512.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 414.61 512.25 Td (and ) Tj ET Q q 0 0 0 rg BT 431.38 512.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 464.81 512.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 506.03 512.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 527.79 512.25 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 500.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 122.43 500.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 157.92 500.25 Td (this ) Tj ET Q q 0 0 0 rg BT 175.10 500.25 Td (information ) Tj ET Q q 0 0 0 rg BT 225.04 500.25 Td (helps ) Tj ET Q q 0 0 0 rg BT 248.88 500.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 287.71 500.25 Td (understand ) Tj ET Q q 0 0 0 rg BT 334.32 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.26 500.25 Td (ef) Tj ET Q q 0 0 0 rg BT 356.85 500.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 374.57 500.25 Td (of ) Tj ET Q q 0 0 0 rg BT 385.63 500.25 Td (these ) Tj ET Q q 0 0 0 rg BT 408.90 500.25 Td (items ) Tj ET Q q 0 0 0 rg BT 433.29 500.25 Td (on ) Tj ET Q q 0 0 0 rg BT 446.02 500.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 482.07 500.25 Td (results ) Tj ET Q q 0 0 0 rg BT 510.90 500.25 Td (and ) Tj ET Q q 0 0 0 rg BT 528.07 500.25 Td (provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 488.25 Td (an ) Tj ET Q q 0 0 0 rg BT 79.44 488.25 Td (alternate ) Tj ET Q q 0 0 0 rg BT 116.36 488.25 Td (presentation ) Tj ET Q q 0 0 0 rg BT 167.73 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 178.56 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.28 488.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 215.50 488.25 Td (s ) Tj ET Q q 0 0 0 rg BT 221.89 488.25 Td (performance. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 464.25 Td (d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 464.25 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 109.47 464.25 Td (as ) Tj ET Q q 0 0 0 rg BT 119.78 464.25 Td (of ) Tj ET Q q 0 0 0 rg BT 130.09 464.25 Td (1Q15. ) Tj ET Q q 0 0 0 rg BT 156.80 464.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 196.01 464.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 222.84 464.25 Td (T) Tj ET Q q 0 0 0 rg BT 228.60 464.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 241.12 464.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 248.11 464.25 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 289.51 464.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 320.64 464.25 Td (the ) Tj ET Q q 0 0 0 rg BT 334.84 464.25 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 360.71 464.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 381.02 464.25 Td (and ) Tj ET Q q 0 0 0 rg BT 397.44 464.25 Td (the ) Tj ET Q q 0 0 0 rg BT 411.63 464.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 472.49 464.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 508.33 464.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 528.64 464.25 Td (\(SLR\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 452.25 Td (under ) Tj ET Q q 0 0 0 rg BT 93.39 452.25 Td (the ) Tj ET Q q 0 0 0 rg BT 108.74 452.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 134.08 452.25 Td (III ) Tj ET Q q 0 0 0 rg BT 146.50 452.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 190.17 452.25 Td (Fully ) Tj ET Q q 0 0 0 rg BT 214.41 452.25 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 257.52 452.25 Td (rules, ) Tj ET Q q 0 0 0 rg BT 282.59 452.25 Td (are ) Tj ET Q q 0 0 0 rg BT 297.92 452.25 Td (each ) Tj ET Q q 0 0 0 rg BT 319.36 452.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 364.54 452.25 Td ( ) Tj ET Q q 0 0 0 rg BT 367.67 452.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 405.78 452.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 448.38 452.25 Td (These ) Tj ET Q q 0 0 0 rg BT 475.38 452.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 515.72 452.25 Td (are ) Tj ET Q q 0 0 0 rg BT 531.05 452.25 Td (used ) Tj ET Q q 0 0 0 rg BT 552.50 452.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 440.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 125.41 440.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 149.17 440.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 195.97 440.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 236.40 440.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.16 440.25 Td (analysts ) Tj ET Q q 0 0 0 rg BT 291.70 440.25 Td (to ) Tj ET Q q 0 0 0 rg BT 303.80 440.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 332.56 440.25 Td (and ) Tj ET Q q 0 0 0 rg BT 351.32 440.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 387.30 440.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.84 440.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 426.07 440.25 Td (s ) Tj ET Q q 0 0 0 rg BT 434.28 440.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 465.25 440.25 Td (position. ) Tj ET Q q 0 0 0 rg BT 504.30 440.25 Td (For ) Tj ET Q q 0 0 0 rg BT 522.51 440.25 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 428.25 Td (information ) Tj ET Q q 0 0 0 rg BT 116.70 428.25 Td (on ) Tj ET Q q 0 0 0 rg BT 128.68 428.25 Td (these ) Tj ET Q q 0 0 0 rg BT 151.21 428.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 192.90 428.25 Td (see ) Tj ET Q q 0 0 0 rg BT 207.65 428.25 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 254.07 428.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 282.71 428.25 Td (on ) Tj ET Q q 0 0 0 rg BT 294.69 428.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 319.44 428.25 Td (146?53 ) Tj ET Q q 0 0 0 rg BT 356.43 428.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.74 428.25 Td (JPMor) Tj ET Q q 0 0 0 rg BT 393.23 428.25 Td (gan ) Tj ET Q q 0 0 0 rg BT 409.66 428.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 436.08 428.25 Td (& ) Tj ET Q q 0 0 0 rg BT 445.84 428.25 Td (Co.? Tj ET Q q 0 0 0 rg BT 462.79 428.25 Td (s ) Tj ET Q q 0 0 0 rg BT 468.23 428.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 499.65 428.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 528.85 428.25 Td (on ) Tj ET Q q 0 0 0 rg BT 540.83 428.25 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 416.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 90.55 416.25 Td (for ) Tj ET Q q 0 0 0 rg BT 104.71 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 119.43 416.25 Td (year ) Tj ET Q q 0 0 0 rg BT 139.14 416.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 165.51 416.25 Td (December ) Tj ET Q q 0 0 0 rg BT 209.10 416.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 224.10 416.25 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 392.25 Td (e\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 392.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.45 392.25 Td (CIB ) Tj ET Q q 0 0 0 rg BT 104.52 392.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 141.37 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 155.99 392.25 Td (change ) Tj ET Q q 0 0 0 rg BT 186.71 392.25 Td (in ) Tj ET Q q 0 0 0 rg BT 196.71 392.25 Td (T) Tj ET Q q 0 0 0 rg BT 202.13 392.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 219.52 392.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 254.70 392.25 Td (and ) Tj ET Q q 0 0 0 rg BT 271.54 392.25 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 296.72 392.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 329.11 392.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 364.28 392.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 398.33 392.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 440.17 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.79 392.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 488.84 392.25 Td (related ) Tj ET Q q 0 0 0 rg BT 518.44 392.25 Td (to ) Tj ET Q q 0 0 0 rg BT 528.63 392.25 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.25 Td (simplification, ) Tj ET Q q 0 0 0 rg BT 128.25 380.25 Td (a ) Tj ET Q q 0 0 0 rg BT 135.39 380.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 180.57 380.25 Td ( ) Tj ET Q q 0 0 0 rg BT 183.28 380.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 220.96 380.25 Td (measure, ) Tj ET Q q 0 0 0 rg BT 259.48 380.25 Td (to ) Tj ET Q q 0 0 0 rg BT 269.96 380.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 303.20 380.25 Td (a ) Tj ET Q q 0 0 0 rg BT 310.34 380.25 Td (more ) Tj ET Q q 0 0 0 rg BT 333.59 380.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 381.84 380.25 Td (assessment ) Tj ET Q q 0 0 0 rg BT 428.98 380.25 Td (of ) Tj ET Q q 0 0 0 rg BT 440.01 380.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.93 380.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 500.95 380.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 554.18 380.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 368.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.22 368.25 Td (business.) 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 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 33.60 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 97.57 740.25 Td (notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.25 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 716.25 Td (Represents ) Tj ET Q q 0 0 0 rg BT 115.20 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 131.23 716.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 173.37 716.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 204.40 716.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.55 716.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 242.59 716.25 Td (III ) Tj ET Q q 0 0 0 rg BT 255.55 716.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 299.91 716.25 Td (Fully ) Tj ET Q q 0 0 0 rg BT 324.85 716.25 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 368.65 716.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 399.12 716.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 422.38 716.25 Td (to ) Tj ET Q q 0 0 0 rg BT 433.98 716.25 Td (which ) Tj ET Q q 0 0 0 rg BT 462.24 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 478.27 716.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 501.54 716.25 Td (will ) Tj ET Q q 0 0 0 rg BT 520.91 716.25 Td (be ) Tj ET Q q 0 0 0 rg BT 534.17 716.25 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 704.25 Td (commencing ) Tj ET Q q 0 0 0 rg BT 121.65 704.25 Td (January ) Tj ET Q q 0 0 0 rg BT 155.25 704.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 165.25 704.25 Td (2019.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 686.25 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 686.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 686.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 686.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 686.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 668.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 668.25 Td (Percentage ) Tj ET Q q 0 0 0 rg BT 113.36 668.25 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 165.90 668.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 190.11 668.25 Td (in ) Tj ET Q q 0 0 0 rg BT 199.88 668.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.09 668.25 Td (bullet ) Tj ET Q q 0 0 0 rg BT 238.86 668.25 Td (points ) Tj ET Q q 0 0 0 rg BT 265.30 668.25 Td (are ) Tj ET Q q 0 0 0 rg BT 279.50 668.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 322.02 668.25 Td (for ) Tj ET Q q 0 0 0 rg BT 335.67 668.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.88 668.25 Td (first ) Tj ET Q q 0 0 0 rg BT 367.99 668.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 398.30 668.25 Td (of ) Tj ET Q q 0 0 0 rg BT 408.62 668.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 430.61 668.25 Td (versus ) Tj ET Q q 0 0 0 rg BT 458.16 668.25 Td (the ) Tj ET Q q 0 0 0 rg BT 472.37 668.25 Td (prior) Tj ET Q q 0 0 0 rg BT 491.61 668.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 514.14 668.25 Td (first ) Tj ET Q q 0 0 0 rg BT 532.24 668.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 560.00 668.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 650.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 650.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 650.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 650.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 632.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 632.25 Td (CB? Tj ET Q q 0 0 0 rg BT 83.62 632.25 Td (s ) Tj ET Q q 0 0 0 rg BT 90.29 632.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 142.50 632.25 Td (and ) Tj ET Q q 0 0 0 rg BT 159.71 632.25 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 200.82 632.25 Td (\("C&I"\) ) Tj ET Q q 0 0 0 rg BT 236.20 632.25 Td (grouping ) Tj ET Q q 0 0 0 rg BT 275.08 632.25 Td (is ) Tj ET Q q 0 0 0 rg BT 284.53 632.25 Td (internally ) Tj ET Q q 0 0 0 rg BT 325.63 632.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 358.39 632.25 Td (to ) Tj ET Q q 0 0 0 rg BT 368.95 632.25 Td (include ) Tj ET Q q 0 0 0 rg BT 401.16 632.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 431.14 632.25 Td (client ) Tj ET Q q 0 0 0 rg BT 456.13 632.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 496.13 632.25 Td (\(Middle ) Tj ET Q q 0 0 0 rg BT 531.12 632.25 Td (Market, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td (which ) Tj ET Q q 0 0 0 rg BT 94.44 620.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 130.26 620.25 Td (Nonprofit ) Tj ET Q q 0 0 0 rg BT 172.20 620.25 Td (Clients ) Tj ET Q q 0 0 0 rg BT 203.04 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 219.98 620.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 262.46 620.25 Td (Client ) Tj ET Q q 0 0 0 rg BT 289.40 620.25 Td (Banking\) ) Tj ET Q q 0 0 0 rg BT 329.12 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 346.06 620.25 Td (does ) Tj ET Q q 0 0 0 rg BT 366.89 620.25 Td (not ) Tj ET Q q 0 0 0 rg BT 382.17 620.25 Td (align ) Tj ET Q q 0 0 0 rg BT 404.66 620.25 Td (with ) Tj ET Q q 0 0 0 rg BT 424.94 620.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 468.54 620.25 Td (definitions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 602.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 602.25 Td (CB's ) Tj ET Q q 0 0 0 rg BT 88.54 602.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 139.98 602.25 Td (Real ) Tj ET Q q 0 0 0 rg BT 160.31 602.25 Td (Estate ) Tj ET Q q 0 0 0 rg BT 186.75 602.25 Td (\("CRE"\) ) Tj ET Q q 0 0 0 rg BT 223.03 602.25 Td (grouping ) Tj ET Q q 0 0 0 rg BT 261.14 602.25 Td (is ) Tj ET Q q 0 0 0 rg BT 269.82 602.25 Td (internally ) Tj ET Q q 0 0 0 rg BT 310.15 602.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 342.14 602.25 Td (to ) Tj ET Q q 0 0 0 rg BT 351.92 602.25 Td (include ) Tj ET Q q 0 0 0 rg BT 383.36 602.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 412.57 602.25 Td (client ) Tj ET Q q 0 0 0 rg BT 436.79 602.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 476.02 602.25 Td (\(Real ) Tj ET Q q 0 0 0 rg BT 499.68 602.25 Td (Estate ) Tj ET Q q 0 0 0 rg BT 526.12 602.25 Td (Banking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 119.25 590.25 Td (T) Tj ET Q q 0 0 0 rg BT 124.66 590.25 Td (erm ) Tj ET Q q 0 0 0 rg BT 142.71 590.25 Td (Lending ) Tj ET Q q 0 0 0 rg BT 178.53 590.25 Td (and ) Tj ET Q q 0 0 0 rg BT 195.47 590.25 Td (Community ) Tj ET Q q 0 0 0 rg BT 245.75 590.25 Td (Development ) Tj ET Q q 0 0 0 rg BT 302.12 590.25 Td (Banking\) ) Tj ET Q q 0 0 0 rg BT 341.84 590.25 Td (and ) Tj ET Q q 0 0 0 rg BT 358.78 590.25 Td (does ) Tj ET Q q 0 0 0 rg BT 379.61 590.25 Td (not ) Tj ET Q q 0 0 0 rg BT 394.89 590.25 Td (align ) Tj ET Q q 0 0 0 rg BT 417.38 590.25 Td (with ) Tj ET Q q 0 0 0 rg BT 437.66 590.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 481.25 590.25 Td (definitions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 572.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (Assumes ) Tj ET Q q 0 0 0 rg BT 106.11 572.25 Td (a ) Tj ET Q q 0 0 0 rg BT 113.05 572.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 127.77 572.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 145.25 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 156.08 572.25 Td (38% ) Tj ET Q q 0 0 0 rg BT 176.91 572.25 Td (for ) Tj ET Q q 0 0 0 rg BT 191.07 572.25 Td (items ) Tj ET Q q 0 0 0 rg BT 215.24 572.25 Td (that ) Tj ET Q q 0 0 0 rg BT 232.73 572.25 Td (are ) Tj ET Q q 0 0 0 rg BT 247.44 572.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 262.16 572.25 Td (deductible.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 554.25 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 554.25 Td (Represents ) Tj ET Q q 0 0 0 rg BT 114.06 554.25 Td (the ) Tj ET Q q 0 0 0 rg BT 128.97 554.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 169.98 554.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 206.56 554.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 245.33 554.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 266.34 554.25 Td (\("LCR"\) ) Tj ET Q q 0 0 0 rg BT 303.30 554.25 Td (based ) Tj ET Q q 0 0 0 rg BT 328.76 554.25 Td (on ) Tj ET Q q 0 0 0 rg BT 341.45 554.25 Td (the ) Tj ET Q q 0 0 0 rg BT 356.35 554.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 384.18 554.25 Td (current ) Tj ET Q q 0 0 0 rg BT 415.19 554.25 Td (understanding ) Tj ET Q q 0 0 0 rg BT 474.53 554.25 Td (of ) Tj ET Q q 0 0 0 rg BT 485.55 554.25 Td (the ) Tj ET Q q 0 0 0 rg BT 500.45 554.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 520.92 554.25 Td (LCR ) Tj ET Q q 0 0 0 rg BT 543.06 554.25 Td (rules ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 542.25 Td (which ) Tj ET Q q 0 0 0 rg BT 94.44 542.25 Td (became ) Tj ET Q q 0 0 0 rg BT 127.47 542.25 Td (ef) Tj ET Q q 0 0 0 rg BT 135.06 542.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 164.76 542.25 Td (January ) Tj ET Q q 0 0 0 rg BT 198.36 542.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 208.36 542.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 524.25 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 524.25 Td (High ) Tj ET Q q 0 0 0 rg BT 90.79 524.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 121.86 524.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 148.49 524.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 175.11 524.25 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 221.72 524.25 Td (is ) Tj ET Q q 0 0 0 rg BT 231.68 524.25 Td (the ) Tj ET Q q 0 0 0 rg BT 247.19 524.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 288.80 524.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 322.09 524.25 Td (of ) Tj ET Q q 0 0 0 rg BT 333.72 524.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 360.34 524.25 Td (that ) Tj ET Q q 0 0 0 rg BT 378.63 524.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 410.25 524.25 Td (for ) Tj ET Q q 0 0 0 rg BT 425.20 524.25 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 465.16 524.25 Td (in ) Tj ET Q q 0 0 0 rg BT 476.23 524.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.74 524.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 512.82 524.25 Td (LCR, ) Tj ET Q q 0 0 0 rg BT 538.06 524.25 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 512.25 Td (became ) Tj ET Q q 0 0 0 rg BT 100.53 512.25 Td (ef) Tj ET Q q 0 0 0 rg BT 108.12 512.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 137.82 512.25 Td (January ) Tj ET Q q 0 0 0 rg BT 171.42 512.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 181.42 512.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 494.25 Td (1) Tj ET Q q 0 0 0 rg BT 54.13 494.25 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td (Core ) Tj ET Q q 0 0 0 rg BT 88.36 494.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 110.90 494.25 Td (include ) Tj ET Q q 0 0 0 rg BT 141.75 494.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 164.29 494.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 209.03 494.25 Td (central ) Tj ET Q q 0 0 0 rg BT 237.66 494.25 Td (to ) Tj ET Q q 0 0 0 rg BT 246.86 494.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.50 494.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 282.73 494.25 Td (s ) Tj ET Q q 0 0 0 rg BT 288.04 494.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 322.25 494.25 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 368.67 494.25 Td (core ) Tj ET Q q 0 0 0 rg BT 387.30 494.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 409.84 494.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 442.35 494.25 Td (runof) Tj ET Q q 0 0 0 rg BT 463.83 494.25 Td (f ) Tj ET Q q 0 0 0 rg BT 468.59 494.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 511.40 494.25 Td (discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 482.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 108.89 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 125.83 482.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 167.21 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 181.93 482.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 203.88 482.25 Td (has ) Tj ET Q q 0 0 0 rg BT 219.71 482.25 Td (an ) Tj ET Q q 0 0 0 rg BT 231.65 482.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 256.92 482.25 Td (to ) Tj ET Q q 0 0 0 rg BT 267.20 482.25 Td (exit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 464.25 Td (12. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 464.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 464.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 464.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 136.64 464.25 Td (issuance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 446.25 Td (13. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 446.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 446.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.05 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.88 446.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.15 446.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.20 446.25 Td (to ) Tj ET Q q 0 0 0 rg BT 202.48 446.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.09 446.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.13 446.25 Td (new ) Tj ET Q q 0 0 0 rg BT 293.30 446.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 446.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.61 446.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.38 446.25 Td (including ) Tj ET Q q 0 0 0 rg BT 414.66 446.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.27 446.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.21 446.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.47 446.25 Td (The ) Tj ET Q q 0 0 0 rg BT 532.52 446.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 434.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.90 434.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 102.74 434.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.36 434.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.22 434.25 Td (small ) Tj ET Q q 0 0 0 rg BT 173.96 434.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.25 434.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.75 434.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.93 434.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.44 434.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.27 434.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.23 434.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.64 434.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.48 434.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 423.10 434.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.17 434.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 478.35 434.25 Td (& ) Tj ET Q q 0 0 0 rg BT 488.21 434.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.84 434.25 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 422.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 92.06 422.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 138.56 422.25 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 178.97 422.25 Td (& ) Tj ET Q q 0 0 0 rg BT 188.80 422.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 214.20 422.25 Td (and ) Tj ET Q q 0 0 0 rg BT 231.26 422.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 283.31 422.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 322.14 422.25 Td (The ) Tj ET Q q 0 0 0 rg BT 340.31 422.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 372.93 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.88 422.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 409.27 422.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 447.44 422.25 Td (to ) Tj ET Q q 0 0 0 rg BT 457.84 422.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 497.69 422.25 Td (and ) Tj ET Q q 0 0 0 rg BT 514.75 422.25 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 410.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 101.03 410.25 Td (including ) Tj ET Q q 0 0 0 rg BT 140.96 410.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 167.82 410.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 229.13 410.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 266.84 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 283.43 410.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 334.18 410.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 376.87 410.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 401.78 410.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 439.48 410.25 Td (by ) Tj ET Q q 0 0 0 rg BT 451.63 410.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.00 410.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 508.14 410.25 Td (& ) Tj ET Q q 0 0 0 rg BT 518.07 410.25 Td (Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 398.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.11 398.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.05 398.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 159.98 398.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 380.25 Td (14. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 94.01 380.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 139.94 380.25 Td (Solutions, ) Tj ET Q q 0 0 0 rg BT 182.30 380.25 Td (formerly ) Tj ET Q q 0 0 0 rg BT 219.35 380.25 Td (known ) Tj ET Q q 0 0 0 rg BT 248.64 380.25 Td (as ) Tj ET Q q 0 0 0 rg BT 259.04 380.25 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 299.42 380.25 Td (Services, ) Tj ET Q q 0 0 0 rg BT 337.86 380.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 373.26 380.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 399.76 380.25 Td (Paymentech, ) Tj ET Q q 0 0 0 rg BT 453.20 380.25 Td (ChaseNet ) Tj ET Q q 0 0 0 rg BT 494.14 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 510.65 380.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 537.15 380.25 Td (Of) Tj ET Q q 0 0 0 rg BT 547.53 380.25 Td (fers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 368.25 Td (businesses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 350.25 Td (15. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 350.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 350.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 106.99 350.25 Td (with ) Tj ET Q q 0 0 0 rg BT 127.80 350.25 Td (the ) Tj ET Q q 0 0 0 rg BT 143.04 350.25 Td (first ) Tj ET Q q 0 0 0 rg BT 162.18 350.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 193.53 350.25 Td (of ) Tj ET Q q 0 0 0 rg BT 204.89 350.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 230.42 350.25 Td (the ) Tj ET Q q 0 0 0 rg BT 245.66 350.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 268.14 350.25 Td (began ) Tj ET Q q 0 0 0 rg BT 295.05 350.25 Td (including ) Tj ET Q q 0 0 0 rg BT 335.85 350.25 Td (the ) Tj ET Q q 0 0 0 rg BT 351.10 350.25 Td (results ) Tj ET Q q 0 0 0 rg BT 380.24 350.25 Td (of ) Tj ET Q q 0 0 0 rg BT 391.60 350.25 Td (Private ) Tj ET Q q 0 0 0 rg BT 422.95 350.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 452.65 350.25 Td (in ) Tj ET Q q 0 0 0 rg BT 463.45 350.25 Td (the ) Tj ET Q q 0 0 0 rg BT 478.70 350.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 504.50 350.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 547.51 350.25 Td (line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 338.25 Td (within ) Tj ET Q q 0 0 0 rg BT 95.59 338.25 Td (the ) Tj ET Q q 0 0 0 rg BT 110.34 338.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 152.87 338.25 Td (segment. ) Tj ET Q q 0 0 0 rg BT 191.23 338.25 Td (Prior ) Tj ET Q q 0 0 0 rg BT 213.76 338.25 Td (period ) Tj ET Q q 0 0 0 rg BT 241.84 338.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 278.27 338.25 Td (have ) Tj ET Q q 0 0 0 rg BT 299.68 338.25 Td (been ) Tj ET Q q 0 0 0 rg BT 321.09 338.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 352.50 338.25 Td (to ) Tj ET Q q 0 0 0 rg BT 362.82 338.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 399.23 338.25 Td (with ) Tj ET Q q 0 0 0 rg BT 419.55 338.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.30 338.25 Td (current ) Tj ET Q q 0 0 0 rg BT 465.15 338.25 Td (period ) Tj ET Q q 0 0 0 rg BT 493.23 338.25 Td (presentation. ) Tj ET Q q 0 0 0 rg BT 546.96 338.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 326.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 109.99 326.25 Td (segment? Tj ET Q q 0 0 0 rg BT 146.09 326.25 Td (s ) Tj ET Q q 0 0 0 rg BT 152.48 326.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 185.51 326.25 Td (sheets ) Tj ET Q q 0 0 0 rg BT 212.45 326.25 Td (and ) Tj ET Q q 0 0 0 rg BT 229.39 326.25 Td (results ) Tj ET Q q 0 0 0 rg BT 258.00 326.25 Td (of ) Tj ET Q q 0 0 0 rg BT 268.83 326.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 312.98 326.25 Td (were ) Tj ET Q q 0 0 0 rg BT 334.91 326.25 Td (not ) Tj ET Q q 0 0 0 rg BT 350.19 326.25 Td (impacted ) Tj ET Q q 0 0 0 rg BT 389.34 326.25 Td (by ) Tj ET Q q 0 0 0 rg BT 401.84 326.25 Td (this ) Tj ET Q q 0 0 0 rg BT 418.79 326.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 457.94 326.25 Td (change.) 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