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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 9.5 71.5 m 371.5 71.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 71.5 m 601.5 71.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 12.00 62.76 Td (Investor Contact: Jason Scott \(212\) 270-7325) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 55.32 Td (1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 52.15 Td (Percentage comparisons noted in the bullet points are calculated for the first quarter of 2017 versus the prior) Tj ET Q q 0 0 0 rg BT 317.18 52.15 Td (-year first quarter) Tj ET Q q 0 0 0 rg BT 365.87 52.15 Td (, ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 12.00 43.07 Td (unless otherwise specified.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.23 43.07 Td ( ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 35.32 Td (2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 32.15 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 82.65 32.15 Td ( financial measures, including managed basis reporting, and key performance measures, see page 6.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 12.00 22.15 Td (For additional notes see page 7.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.75 62.76 Td (Media Contact: Joe Evangelisti \(212\) 270-7438) Tj ET Q BT /F1 10.00 Tf ET BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.15 721.60 Td (JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 267.21 721.60 Td (TS FIRST) Tj ET Q q 0 0 0 rg BT 314.80 721.60 Td (-QUAR) Tj ET Q q 0 0 0 rg BT 350.46 721.60 Td (TER 2017 NET) Tj ET Q q 0 0 0 rg BT 423.00 721.60 Td ( INCOME OF) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 214.00 702.40 Td ($6.4 BILLION, OR $1.65 PER SHARE ) Tj ET Q 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 685.9 m 17.5 681.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 685.9 m 593.5 681.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 685.9 m 593.5 685.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 681.9 m 593.5 681.9 l s BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 18.00 659.60 Td (FIRST) Tj ET Q q 0 0 0 rg BT 46.54 659.60 Td (-QUAR) Tj ET Q q 0 0 0 rg BT 78.96 659.60 Td (TER 2017 RESUL) Tj ET Q q 0 0 0 rg BT 156.95 659.60 Td (TS) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 169.18 664.13 Td (1) Tj ET Q 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 85.50 643.10 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 240.50 643.10 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 395.50 643.10 130.00 -33.00 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 128.00 630.52 Td (ROE ) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 152.45 630.52 Td (1) Tj ET Q q 1 1 1 rg BT 157.46 630.52 Td (1%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 119.75 617.52 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 154.75 622.29 Td (2) Tj ET Q BT /F4 10.00 Tf ET BT /F4 6.50 Tf ET q 1 1 1 rg BT 158.36 622.29 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 160.17 617.52 Td (13%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 250.75 629.02 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 335.01 629.02 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 355.58 633.79 Td (2) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 290.80 619.02 Td (12.4%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 418.35 629.02 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 478.16 629.02 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 492.60 633.79 Td (3,4) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 449.95 619.02 Td (69%) 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 527.00 610.60 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 19.50 598.10 71.00 -39.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 19.50 550.10 71.00 -63.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 19.50 478.10 71.00 -59.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 gs 19.50 410.10 71.00 -39.00 re f /GS0 gs 0.5176470588235295 0.29411764705882354 0.1568627450980392 rg /GS0 gs 19.50 362.10 71.00 -70.00 re f /GS0 gs BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 32.55 582.02 Td (Firmwide) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 36.95 570.02 Td (Metrics) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 585.84 cm /I1 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 104.00 588.46 Td (Reported revenue of $24.7 billion; managed revenue ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 579.46 Td (of $25.6 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 159.75 583.54 Td (2) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 561.84 cm /I2 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 565.36 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 565.36 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.80 569.44 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.18 565.36 Td (up 9% ) Tj ET Q q 0 0 0 rg BT 202.35 565.36 Td (Y) Tj ET Q q 0 0 0 rg BT 207.95 565.36 Td (oY) Tj ET Q q 0 0 0 rg BT 218.61 565.36 Td ( and 1% QoQ) 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 43.65 527.12 Td (CCB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 35.25 504.58 Td (ROE) Tj ET Q BT /F3 8.00 Tf ET BT /F3 5.20 Tf ET q 1 1 1 rg BT 52.59 508.39 Td (5) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 55.48 504.58 Td ( 15%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 537.84 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 104.00 541.36 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 541.36 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.80 545.44 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.18 541.36 Td (up 1) Tj ET Q q 0 0 0 rg BT 192.60 541.36 Td (1%; average deposits of $623 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 530.56 Td (billion, up 1) Tj ET Q q 0 0 0 rg BT 147.42 530.56 Td (1%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 513.84 cm /I4 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 517.36 Td (27.3 million active mobile customers, up 14%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 498.84 cm /I5 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 501.27 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 193.22 505.34 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.15 501.27 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.65 501.27 Td (up 15% and Merchant ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 491.96 Td (processing volume up 1) Tj ET Q q 0 0 0 rg BT 189.40 491.96 Td (1%) 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 45.85 455.12 Td (CIB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 35.25 436.58 Td (ROE) Tj ET Q BT /F3 8.00 Tf ET BT /F3 5.20 Tf ET q 1 1 1 rg BT 52.59 440.39 Td (5) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 55.48 436.58 Td ( 18%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 465.84 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 104.00 469.26 Td (Record net income and Investment Banking fees for a) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 458.46 Td (first quarter of $3.2 billion, up 64% and $1.8 billion,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 447.71 Td (up 37%, respectively) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 430.84 cm /I7 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 434.36 Td (Maintained #1 ranking for Global Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 423.56 Td (Banking fees with 8.5% wallet share in 1Q17) 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 47.25 397.12 Td (CB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 35.25 378.58 Td (ROE) Tj ET Q BT /F3 8.00 Tf ET BT /F3 5.20 Tf ET q 1 1 1 rg BT 52.59 382.39 Td (5) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 55.48 378.58 Td ( 15%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 397.84 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 104.00 401.36 Td (Record revenue of $2.0 billion, up 12%; record net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 390.56 Td (income of $799 million, up 61%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 373.84 cm /I9 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 377.36 Td (Record average loan balances of $191 billion, up 12%) 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 42.25 335.62 Td (A) Tj ET Q q 1 1 1 rg BT 48.92 335.62 Td (WM) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 35.25 313.08 Td (ROE) Tj ET Q BT /F3 8.00 Tf ET BT /F3 5.20 Tf ET q 1 1 1 rg BT 52.59 316.89 Td (5) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 55.48 313.08 Td ( 16%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 349.84 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 104.00 353.26 Td (Record average loan balances of $118 billion, up 7%;) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 342.46 Td (record average deposit balances of $159 billion, up) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 331.71 Td (5%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 314.84 cm /I11 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 318.36 Td (Record assets under management \(AUM\) of $1.8 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 307.56 Td (trillion, up 10%; 77% of mutual fund ) Tj ET Q q 0 0 0 rg BT 239.49 307.56 Td (AUM ranked in ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 296.81 Td (the 1) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.75 300.89 Td (st) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.65 296.81 Td ( or 2) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 142.14 300.89 Td (nd) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.99 296.81 Td ( quartile over 5 years) Tj ET Q BT /F1 10.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 321.50 598.10 256.00 -235.00 re f /GS0 gs 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 598.1 m 321.5 363.1 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 577.5 598.1 m 577.5 363.1 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 598.1 m 577.5 598.1 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 363.1 m 577.5 363.1 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 577.46 Td (Jamie Dimon, Chairman and CEO, commented on the financial ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 568.46 Td (results: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 352.25 568.46 Td (W) Tj ET Q q 0 0 0 rg BT 363.92 568.46 Td (e ar) Tj ET Q q 0 0 0 rg BT 377.84 568.46 Td (e off to a good start for the year with all of our ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 559.45 Td (businesses performing well and building on their momentum fr) Tj ET Q q 0 0 0 rg BT 550.16 559.45 Td (om ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 550.45 Td (last year) Tj ET Q q 0 0 0 rg BT 354.25 550.45 Td (. The consumer businesses continue to gr) Tj ET Q q 0 0 0 rg BT 502.15 550.45 Td (ow cor) Tj ET Q q 0 0 0 rg BT 526.57 550.45 Td (e loans at ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 541.45 Td (double digits, outperform the industry in deposit gr) Tj ET Q q 0 0 0 rg BT 508.16 541.45 Td (owth, and we ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 532.45 Td (once again had very str) Tj ET Q q 0 0 0 rg BT 408.65 532.45 Td (ong car) Tj ET Q q 0 0 0 rg BT 436.06 532.45 Td (d sales volume gr) Tj ET Q q 0 0 0 rg BT 498.97 532.45 Td (owth this quarter ?) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 523.45 Td (r) Tj ET Q q 0 0 0 rg BT 327.17 523.45 Td (eflecting our commitment to pr) Tj ET Q q 0 0 0 rg BT 438.31 523.45 Td (oviding our customers the innovative ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 514.45 Td (pr) Tj ET Q q 0 0 0 rg BT 331.67 514.45 Td (oducts and services they want.? Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 496.46 Td (Dimon added: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 377.49 496.46 Td (W) Tj ET Q q 0 0 0 rg BT 389.17 496.46 Td (e demonstrated the str) Tj ET Q q 0 0 0 rg BT 469.07 496.46 Td (ength of our Corporate & ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 487.45 Td (Investment Bank platform, gr) Tj ET Q q 0 0 0 rg BT 429.15 487.45 Td (owing r) Tj ET Q q 0 0 0 rg BT 456.57 487.45 Td (evenue str) Tj ET Q q 0 0 0 rg BT 492.97 487.45 Td (ongly in Banking and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 478.45 Td (Markets and maintaining leadership positions. Commer) Tj ET Q q 0 0 0 rg BT 525.16 478.45 Td (cial Banking ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 469.45 Td (continued its solid performance with r) Tj ET Q q 0 0 0 rg BT 461.41 469.45 Td (ecor) Tj ET Q q 0 0 0 rg BT 477.07 469.45 Td (d r) Tj ET Q q 0 0 0 rg BT 486.98 469.45 Td (evenue and net income ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 460.45 Td (this quarter) Tj ET Q q 0 0 0 rg BT 365.26 460.45 Td (. ) Tj ET Q q 0 0 0 rg BT 369.59 460.45 Td (Asset & W) Tj ET Q q 0 0 0 rg BT 406.76 460.45 Td (ealth Management had str) Tj ET Q q 0 0 0 rg BT 501.17 460.45 Td (ong underlying ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 451.45 Td (performance driven by r) Tj ET Q q 0 0 0 rg BT 411.39 451.45 Td (ecor) Tj ET Q q 0 0 0 rg BT 427.05 451.45 Td (d balances in banking, as well as r) Tj ET Q q 0 0 0 rg BT 551.71 451.45 Td (ecor) Tj ET Q q 0 0 0 rg BT 567.37 451.45 Td (d ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 442.45 Td (AUM & client assets.?) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 424.46 Td (Dimon concluded: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 392.99 424.46 Td (U.S. consumers and businesses ar) Tj ET Q q 0 0 0 rg BT 520.15 424.46 Td (e healthy ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 415.45 Td (overall and with pr) Tj ET Q q 0 0 0 rg BT 392.92 415.45 Td (o-gr) Tj ET Q q 0 0 0 rg BT 408.08 415.45 Td (owth initiatives and impr) Tj ET Q q 0 0 0 rg BT 498.00 415.45 Td (oving collaboration ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 406.45 Td (between government and business, the U.S. economy can continue to ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 397.45 Td (impr) Tj ET Q q 0 0 0 rg BT 340.67 397.45 Td (ove. W) Tj ET Q q 0 0 0 rg BT 364.33 397.45 Td (e will be ther) Tj ET Q q 0 0 0 rg BT 411.24 397.45 Td (e to do our part, str) Tj ET Q q 0 0 0 rg BT 481.41 397.45 Td (ong and steadfast in ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 388.45 Td (good times and bad, and working every day to support our clients ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 324.00 379.45 Td (and our communities.? Tj ET Q BT /F1 10.00 Tf ET 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 282.04999999999995 m 17.5 277.04999999999995 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 282.04999999999995 m 593.5 277.04999999999995 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 282.04999999999995 m 593.5 282.04999999999995 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 277.04999999999995 m 593.5 277.04999999999995 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 263.15 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 263.15 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 248.50 cm /I12 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 250.35 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 250.35 Td (Book value per share of $64.68, up 6%; ) Tj ET Q q 0 0 0 rg BT 175.31 250.35 Td (T) Tj ET Q q 0 0 0 rg BT 180.17 250.35 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 283.63 254.43 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.02 250.35 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 239.55 Td ($52.04, up 6%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 224.90 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 226.75 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 226.75 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 226.75 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 226.75 Td (ier 1 capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 169.47 230.83 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.86 226.75 Td (of $184 billion; ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 248.60 230.83 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.53 226.75 Td ( of 12.4% ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 212.10 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 213.95 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 213.95 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 218.03 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 213.95 Td ( of 6.6% and Bank SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 155.18 218.03 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 158.10 213.95 Td ( of 6.7%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 200.30 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 202.15 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 202.15 Td (HQLA) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 55.00 206.23 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.92 202.15 Td ( of $524 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 173.30 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 173.30 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 158.65 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 160.50 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 160.50 Td (1Q17 reported expense of $15.0 billion; reported overhead ratio of 61%; ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 149.70 Td (1Q17 adjusted expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 113.48 153.78 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 116.40 149.70 Td ( of $14.8 billion; adjusted overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 263.12 153.78 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.51 149.70 Td (of 58%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 124.10 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 45.33 124.10 Td (AL) Tj ET Q q 0 0 0 rg BT 57.34 124.10 Td ( RETURN) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 109.45 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 111.30 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 111.30 Td ($4.6 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 71.50 115.38 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.43 111.30 Td ( returned to shareholders in 1Q17) Tj ET Q /GS0 gs q 6.72 0 0 9.78 27.00 97.65 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 33.72 99.50 Td ( ) Tj ET Q q 0 0 0 rg BT 40.50 99.50 Td ($2.8 billion of net repurchases and common dividend of $0.50 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 263.15 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 263.15 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 248.50 cm /I19 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 250.35 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 250.35 Td ($561 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.76 250.35 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 436.73 254.43 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.65 250.35 Td ( raised in 1Q17) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 236.70 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 238.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 238.55 Td ($69 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 238.55 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 224.90 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 226.75 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 226.75 Td ($5 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.26 226.75 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 213.10 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 214.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 214.95 Td ($175 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 214.95 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 201.30 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 203.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 203.15 Td ($296 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 203.15 Td ( of capital raised for corporate clients and non-U.S. ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 192.35 Td (government entities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 178.70 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 180.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 180.55 Td ($16 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 180.55 Td ( of credit and capital raised for nonprofit and U.S. government ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 169.75 Td (entities, including states, municipalities, hospitals and universities) Tj ET Q /GS0 gs q 272.00 0 0 20.00 322.00 756.52 cm /I25 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 r) Tj ET Q q 0 0 0 rg BT 159.40 742.10 Td (esults of JPMor) Tj ET Q q 0 0 0 rg BT 222.36 742.10 Td (gan Chase as a Firm and of its business segments, information is pr) Tj ET Q q 0 0 0 rg BT 493.94 742.10 Td (esented on a ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (managed basis. For mor) Tj ET Q q 0 0 0 rg BT 147.46 730.10 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 403.38 730.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 473.01 730.10 Td (es and key ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (performance measur) Tj ET Q q 0 0 0 rg BT 132.17 718.10 Td (es used by management to evaluate the performance of each line of business, see page 5. Comparisons ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (noted in the sections below ar) Tj ET Q q 0 0 0 rg BT 168.84 706.10 Td (e calculated for the first quarter of 2017 versus the prior) Tj ET Q q 0 0 0 rg BT 395.84 706.10 Td (-year first quarter) Tj ET Q q 0 0 0 rg BT 466.95 706.10 Td (, unless otherwise ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (specified. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 683.60 511.00 -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 52.50 675.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 668.50 Td (JPMORGAN CHASE \(JPM\)) 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 q 0 0 0 rg BT 49.50 652.10 Td (Net revenue on a reported basis totaled $24.7 billion, $23.4 billion, and $23.2 billion for the first quarter of 2017, fourth quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 640.10 Td (of 2016, and first quarter of 2016, respectively) Tj ET Q q 0 0 0 rg BT 235.18 640.10 Td (.) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 629.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 629.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 629.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 613.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 613.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 549.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 549.60 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 378 613.6 m 423 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 613.6 m 468 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 613.6 m 472 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 613.6 m 517 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 613.6 m 562 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 597.6 m 213 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 613.6 m 264 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 597.6 m 264 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 613.6 m 268 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 597.6 m 268 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 613.6 m 319 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 597.6 m 319 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 613.6 m 323 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 597.6 m 323 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 613.6 m 374 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 597.6 m 374 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 613.6 m 378 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 597.6 m 378 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 613.6 m 423 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 597.6 m 423 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 597.6 m 468 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 597.6 m 472 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 597.6 m 517 597.6 l s 0 0 0 RG /GS0 gs 1.00 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 50 549.6 m 213 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 533.6 m 213 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 549.6 m 264 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 533.6 m 264 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 549.6 m 268 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 533.6 m 268 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 549.6 m 319 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 533.6 m 319 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 549.6 m 323 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 533.6 m 323 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 549.6 m 374 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 533.6 m 374 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 549.6 m 378 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 533.6 m 378 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 549.6 m 423 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 533.6 m 423 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 549.6 m 468 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 533.6 m 468 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 549.6 m 472 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 533.6 m 472 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 549.6 m 517 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 533.6 m 517 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 549.6 m 562 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 533.6 m 562 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 517.6 m 213 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 517.6 m 264 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 517.6 m 268 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 533.6 m 319 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 517.6 m 319 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 533.6 m 323 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 517.6 m 323 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 533.6 m 374 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 517.6 m 374 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 517.6 m 378 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 517.6 m 423 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 533.6 m 468 533.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 517.6 m 468 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 517.6 m 472 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 517.6 m 517 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 533.6 m 562 533.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 517.6 m 562 517.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 501.6 m 213 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 501.6 m 264 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 517.6 m 268 517.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 501.6 m 268 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 501.6 m 319 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 517.6 m 323 517.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 501.6 m 323 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 501.6 m 374 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 501.6 m 378 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 501.6 m 423 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 501.6 m 468 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 501.6 m 472 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 501.6 m 517 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 501.6 m 562 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 485.6 m 213 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 485.6 m 264 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 485.6 m 268 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 501.6 m 319 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 485.6 m 319 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 485.6 m 323 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 501.6 m 374 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 485.6 m 374 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 485.6 m 378 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 485.6 m 423 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 485.6 m 468 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 485.6 m 472 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 485.6 m 517 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 485.6 m 562 485.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 618.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 618.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 618.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 602.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 602.27 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 602.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 602.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 602.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 602.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 602.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 602.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.17 Td (Net revenue - managed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 586.27 Td (25,586) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 586.27 Td (24,333) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 586.27 Td (24,083) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 586.27 Td (1,253) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 586.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 586.27 Td (%) 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 490.65 586.27 Td (1,503) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 586.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 586.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 572.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 570.27 Td (15,019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 570.27 Td (13,833) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 570.27 Td (13,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 570.27 Td (1,186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 570.27 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 570.27 Td (1,182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 570.27 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 556.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 554.27 Td (1,315) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 554.27 Td (864) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 554.27 Td (1,824) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 554.27 Td (451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 554.27 Td (52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 554.32 Td (\(509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 554.32 Td (\(28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 540.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 538.27 Td (6,448) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 538.27 Td (6,727) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 538.27 Td (5,520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 538.32 Td (\(279) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 538.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 538.27 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 538.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 538.27 Td (928) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 538.27 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 538.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 524.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 522.27 Td (1.65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 522.27 Td (1.71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 522.27 Td (1.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 522.32 Td (\(0.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 522.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 522.27 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 522.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 522.27 Td (0.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 522.27 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 522.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 508.17 Td (Return on common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 506.27 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 506.27 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 506.27 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 492.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 490.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 490.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 490.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 468.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.10 Td (Net income was $6.4 billion, an increase of 17%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.10 Td (Net revenue was $25.6 billion, up 6%. Net interest income was $12.4 billion, up 6%, primarily driven by loan growth and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 420.10 Td (net impact of higher rates. Noninterest revenue was $13.2 billion, up 6%, primarily driven by the Corporate & Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 408.10 Td (Bank, lar) Tj ET Q q 0 0 0 rg BT 85.97 408.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 113.84 408.10 Td (fset by Card new account origination costs and lower MSR risk management results.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.10 Td (Noninterest expense was $15.0 billion, up 9%, primarily driven by higher compensation and legal expense, auto lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.10 Td (depreciation, and FDIC-related expense, as well as a contribution to the Firm's Foundation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 360.10 Td (The provision for credit losses was $1.3 billion, down from $1.8 billion, due to net reserve releases in the ) Tj ET Q q 0 0 0 rg BT 472.84 360.10 Td (Wholesale portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 93.47 348.10 Td (fset by an increase in the Consumer provision. ) Tj ET Q q 0 0 0 rg BT 281.30 348.10 Td (The ) Tj ET Q q 0 0 0 rg BT 299.17 348.10 Td (Wholesale net reserve releases were $93 million in the current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 77.42 336.10 Td (, primarilydriven by Oil & Gas, versus reserve increases of $713 million in the prior) Tj ET Q q 0 0 0 rg BT 416.30 336.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 467.10 336.10 Td (. ) Tj ET Q q 0 0 0 rg BT 471.92 336.10 Td (The increase in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 324.10 Td (Consumer provision included a write-down of the Student loan portfolio, and higher Card net char) Tj ET Q q 0 0 0 rg BT 442.84 324.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 463.76 324.10 Td (fs, which were in line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 312.10 Td (with expectations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.10 Td (First-quarter results included a tax benefit of $373 million related to the appreciation of the Firm? Tj ET Q q 0 0 0 rg BT 438.56 294.10 Td (s stock price upon vesting of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.10 Td (employee stock-based awards above their original grant price.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 262.60 511.00 -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 52.50 254.95 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 247.50 Td (CONSUMER & COMMUNITY BANKING \(CCB\)) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 232.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 232.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 232.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 232.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 232.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 232.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 232.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 232.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 232.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 232.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 217.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 217.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 217.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 217.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 217.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 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0.9254901960784314 rg /GS0 gs 275.50 112.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 279.50 112.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 324.50 112.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 328.50 112.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 373.50 112.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 377.50 112.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 422.50 112.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 467.50 112.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 471.50 112.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 516.50 112.60 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 377.5 217.60000000000002 m 422.5 217.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 217.60000000000002 m 467.5 217.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 217.60000000000002 m 471.5 217.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 217.60000000000002 m 516.5 217.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 217.60000000000002 m 561.5 217.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 202.60000000000002 m 230.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 202.60000000000002 m 275.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 202.60000000000002 m 279.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 202.60000000000002 m 324.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 202.60000000000002 m 328.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 202.60000000000002 m 373.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 202.60000000000002 m 377.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 202.60000000000002 m 422.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 202.60000000000002 m 467.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 202.60000000000002 m 471.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 202.60000000000002 m 516.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 202.60000000000002 m 275.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 202.60000000000002 m 467.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 202.60000000000002 m 471.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 202.60000000000002 m 516.5 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 202.60000000000002 m 561.5 202.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 112.60000000000002 m 230.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 97.60000000000002 m 230.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 112.60000000000002 m 275.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 97.60000000000002 m 275.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 112.60000000000002 m 279.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 97.60000000000002 m 279.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 112.60000000000002 m 324.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 97.60000000000002 m 324.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 112.60000000000002 m 328.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 97.60000000000002 m 328.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 112.60000000000002 m 373.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 97.60000000000002 m 373.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 112.60000000000002 m 377.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 97.60000000000002 m 377.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 112.60000000000002 m 422.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 97.60000000000002 m 422.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 112.60000000000002 m 467.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 97.60000000000002 m 467.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 112.60000000000002 m 471.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 97.60000000000002 m 471.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 112.60000000000002 m 516.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 97.60000000000002 m 516.5 97.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 112.60000000000002 m 561.5 112.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 97.60000000000002 m 561.5 97.60000000000002 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 222.27 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.85 222.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.85 222.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 207.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.35 207.27 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.35 207.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.35 207.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 207.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.10 207.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 207.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 207.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 193.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 192.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 192.27 Td (10,970) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 192.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.10 192.27 Td (11,019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 192.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.10 192.27 Td (11,117) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 192.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 192.32 Td (\(49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 192.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.30 192.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 192.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 192.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 192.32 Td (\(147) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 192.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.95 192.27 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 192.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 178.17 Td (Consumer & Business Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 177.27 Td (4,906) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 177.27 Td (4,774) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 177.27 Td (4,550) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 177.27 Td (132) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 177.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 177.27 Td (356) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 177.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 163.17 Td (Mortgage Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 162.27 Td (1,529) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 162.27 Td (1,690) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 162.27 Td (1,876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 162.32 Td (\(161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 162.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.95 162.27 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 162.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 162.32 Td (\(347) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 162.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.95 162.27 Td (\(18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 162.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 148.17 Td (Card, Commerce Solutions & Auto) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 147.27 Td (4,535) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 147.27 Td (4,555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 147.27 Td (4,691) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 147.32 Td (\(20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 147.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.30 147.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 147.32 Td (\(156) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 147.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.95 147.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 147.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 133.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 132.27 Td (6,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 132.27 Td (6,303) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 132.27 Td (6,088) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 132.27 Td (92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 132.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 132.27 Td (307) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 132.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 118.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 117.27 Td (1,430) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.65 117.27 Td (949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 117.27 Td (1,050) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 117.27 Td (481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.30 117.27 Td (51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 117.27 Td (380) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.30 117.27 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 103.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 102.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 102.27 Td (1,988) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 102.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 102.27 Td (2,364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 102.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 102.27 Td (2,490) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 102.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 102.32 Td (\(376) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 102.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.95 102.27 Td (\(16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 102.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 102.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 102.32 Td (\(502) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 102.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.95 102.27 Td (\(20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 102.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 80.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 80.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 80.10 Td (Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 62.10 Td (Net income was $2.0 billion, a decrease of 20%. Net revenue was $1) Tj ET Q q 0 0 0 rg BT 324.31 62.10 Td (1.0 billion, down 1%.) 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 (Consumer ) Tj ET Q q 0 0 0 rg BT 93.86 740.10 Td (& ) Tj ET Q q 0 0 0 rg BT 104.89 740.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 143.71 740.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 180.85 740.10 Td (net ) Tj ET Q q 0 0 0 rg BT 196.32 740.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 231.22 740.10 Td (was ) Tj ET Q q 0 0 0 rg BT 250.02 740.10 Td ($4.9 ) Tj ET Q q 0 0 0 rg BT 270.78 740.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 302.64 740.10 Td (up ) Tj ET Q q 0 0 0 rg BT 315.90 740.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 334.98 740.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 376.54 740.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 404.80 740.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 436.94 740.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 471.02 740.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 513.15 740.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 550.29 740.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 84.07 728.10 Td (was ) Tj ET Q q 0 0 0 rg BT 102.54 728.10 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 122.96 728.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 154.50 728.10 Td (down ) Tj ET Q q 0 0 0 rg BT 179.64 728.10 Td (18%, ) Tj ET Q q 0 0 0 rg BT 203.39 728.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 231.86 728.10 Td (by ) Tj ET Q q 0 0 0 rg BT 244.78 728.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 270.47 728.10 Td (net ) Tj ET Q q 0 0 0 rg BT 285.61 728.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 325.19 728.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 359.75 728.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 400.98 728.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 426.67 728.10 Td (MSR ) Tj ET Q q 0 0 0 rg BT 450.72 728.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 468.64 728.10 Td (management ) Tj ET Q q 0 0 0 rg BT 522.65 728.10 Td (results, ) Tj ET Q q 0 0 0 rg BT 554.18 728.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.10 Td (well ) Tj ET Q q 0 0 0 rg BT 69.66 716.10 Td (as ) Tj ET Q q 0 0 0 rg BT 80.93 716.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 120.52 716.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 158.46 716.10 Td (run-of) Tj ET Q q 0 0 0 rg BT 183.27 716.10 Td (f. ) Tj ET Q q 0 0 0 rg BT 192.04 716.10 Td (Card, ) Tj ET Q q 0 0 0 rg BT 216.92 716.10 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 263.73 716.10 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 304.46 716.10 Td (& ) Tj ET Q q 0 0 0 rg BT 314.53 716.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 337.47 716.10 Td (net ) Tj ET Q q 0 0 0 rg BT 352.63 716.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 387.22 716.10 Td (was ) Tj ET Q q 0 0 0 rg BT 405.71 716.10 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 426.15 716.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 457.71 716.10 Td (down ) Tj ET Q q 0 0 0 rg BT 482.87 716.10 Td (3%, ) Tj ET Q q 0 0 0 rg BT 501.64 716.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 530.13 716.10 Td (by ) Tj ET Q q 0 0 0 rg BT 543.07 716.10 Td (Card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 704.10 Td (new ) Tj ET Q q 0 0 0 rg BT 68.77 704.10 Td (account ) Tj ET Q q 0 0 0 rg BT 102.47 704.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 148.96 704.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 174.07 704.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 235.00 704.10 Td (of) Tj ET Q q 0 0 0 rg BT 243.15 704.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 260.20 704.10 Td (by ) Tj ET Q q 0 0 0 rg BT 272.81 704.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 300.96 704.10 Td (net ) Tj ET Q q 0 0 0 rg BT 315.79 704.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 347.83 704.10 Td (income ) Tj ET Q q 0 0 0 rg BT 379.87 704.10 Td (on ) Tj ET Q q 0 0 0 rg BT 392.48 704.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 420.64 704.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 440.46 704.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 477.50 704.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.54 704.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 522.70 704.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 542.52 704.10 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.10 Td (volumes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.10 Td (Noninterest expense was $6.4 billion, up 5%, primarily driven by higher auto lease depreciation and business growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 656.10 Td (The provision for credit losses was $1.4 billion, an increase of $380 million, driven by a write-down of the Student loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.10 Td (portfolio, which was transferred to held-for) Tj ET Q q 0 0 0 rg BT 222.58 644.10 Td (-sale, and higher Card net char) Tj ET Q q 0 0 0 rg BT 345.12 644.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 366.04 644.10 Td (fs, which were in line with expectations.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 621.60 511.00 -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 52.50 613.95 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 606.50 Td (CORPORATE & INVESTMENT BANK \(CIB\)) 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 50.00 591.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 591.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 591.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 591.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 591.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 591.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 591.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 591.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 591.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 591.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 576.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 576.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 576.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 576.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 576.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 576.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 576.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 576.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 576.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 576.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 576.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 576.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 486.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 486.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 486.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 486.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 486.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 486.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 486.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 486.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 486.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 486.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 486.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 486.60 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 378 576.6 m 423 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 576.6 m 468 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 576.6 m 472 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 576.6 m 517 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 576.6 m 562 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 561.6 m 231 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 561.6 m 276 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 561.6 m 280 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 561.6 m 325 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 561.6 m 329 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 561.6 m 374 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 561.6 m 378 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 561.6 m 423 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 561.6 m 468 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 561.6 m 472 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 561.6 m 517 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 561.6 m 562 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 561.6 m 276 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 561.6 m 280 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 561.6 m 325 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 561.6 m 329 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 561.6 m 374 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 561.6 m 378 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 561.6 m 423 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 561.6 m 468 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 561.6 m 472 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 561.6 m 517 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 561.6 m 562 561.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 486.6 m 231 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 471.6 m 231 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 486.6 m 276 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 471.6 m 276 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 486.6 m 280 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 471.6 m 280 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 486.6 m 325 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 471.6 m 325 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 486.6 m 329 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 471.6 m 329 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 486.6 m 374 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 471.6 m 374 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 486.6 m 378 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 471.6 m 378 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 486.6 m 423 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 471.6 m 423 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 486.6 m 468 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 471.6 m 468 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 486.6 m 472 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 471.6 m 472 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 486.6 m 517 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 471.6 m 517 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 486.6 m 562 486.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 471.6 m 562 471.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 581.27 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 581.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 581.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 566.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 566.27 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 566.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 566.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 566.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 566.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 566.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 566.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 552.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 551.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 551.27 Td (9,536) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 551.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 551.27 Td (8,461) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 551.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 551.27 Td (8,135) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 551.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 551.27 Td (1,075) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 551.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 551.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 551.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 551.27 Td (1,401) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 551.27 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 551.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 537.17 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 536.27 Td (3,021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 536.27 Td (2,783) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 536.27 Td (2,417) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 536.27 Td (238) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 536.27 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 536.27 Td (604) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 536.27 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 522.17 Td (Markets & Investor Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 521.27 Td (6,515) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 521.27 Td (5,678) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 521.27 Td (5,718) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 521.27 Td (837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 521.27 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 521.27 Td (797) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 521.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 507.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 506.27 Td (5,121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 506.27 Td (4,172) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 506.27 Td (4,808) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 506.27 Td (949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 506.27 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 506.27 Td (313) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 506.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 492.17 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.80 491.27 Td (\(96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 491.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 491.32 Td (\(198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 491.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 491.27 Td (459) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 491.27 Td (102) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 491.27 Td (52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 491.32 Td (\(555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 491.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 491.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 477.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 476.27 Td (3,241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 476.27 Td (3,431) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 476.27 Td (1,979) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 476.32 Td (\(190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 476.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 476.27 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 476.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 476.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 476.27 Td (1,262) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 476.27 Td (64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 476.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 436.10 Td (Net income was $3.2 billion, up $1.3 billion, reflecting higher net revenue, a lower provision for credit losses, and a tax benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 424.10 Td (related to the appreciation of the Firm? Tj ET Q q 0 0 0 rg BT 203.89 424.10 Td (s stock price upon vesting of employee stock-based awards above their original grant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 412.10 Td (price, partially of) Tj ET Q q 0 0 0 rg BT 118.46 412.10 Td (fset by higher noninterest expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (Net revenue was $9.5 billion, up 17%, compared with a weak prior) Tj ET Q q 0 0 0 rg BT 317.56 394.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 368.36 394.10 Td (. Banking revenue was $3.0 billion, up 25%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (Investment Banking revenue was $1.7 billion, up 34%, with higher debt and equity underwriting fees reflecting strong ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (underlying issuance activity and share gains, partially of) Tj ET Q q 0 0 0 rg BT 274.81 370.10 Td (fset by lower advisory fees. ) Tj ET Q q 0 0 0 rg BT 387.37 370.10 Td (The business continued to rank #1 in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (Global Investment Banking fees. ) Tj ET Q q 0 0 0 rg BT 183.46 358.10 Td (T) Tj ET Q q 0 0 0 rg BT 189.21 358.10 Td (reasury Services revenue was $981 million, up 1) Tj ET Q q 0 0 0 rg BT 383.24 358.10 Td (1%, driven by the impact of higher interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (rates and growth in operating deposits. Lending revenue was $389 million, up 29%, reflecting higher gains on securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (received from restructurings, and lower mark-to-market losses on hedges. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 316.10 Td (Markets & Investor Services revenue was $6.5 billion, up 14%, lar) Tj ET Q q 0 0 0 rg BT 316.20 316.10 Td (gely driven by higher Markets revenue, up 13%. Fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 304.10 Td (Income Markets revenue, up 17%, reflected robust performance in Securitized Products on strong demand and spread ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 292.10 Td (tightening. Rates improved, with increased market activity) Tj ET Q q 0 0 0 rg BT 283.23 292.10 Td (, particularly in Europe in advance of upcoming elections and in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 280.10 Td (reaction to central bank actions. Revenue from Credit Products also increased, driven by the higher market levels. Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 268.10 Td (Markets revenue was up 2%, with strength in prime services and corporate derivatives. Securities Services revenue was $916 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 256.10 Td (million, up 4%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 76.44 238.10 Td (Adjustments & Other was a loss of $222 million, lar) Tj ET Q q 0 0 0 rg BT 285.69 238.10 Td (gely driven by valuation adjustments, compared with a loss of $336 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (million in the prior) Tj ET Q q 0 0 0 rg BT 125.13 226.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 175.93 226.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 208.10 Td (Noninterest expense was $5.1 billion, up 7%, lar) Tj ET Q q 0 0 0 rg BT 243.72 208.10 Td (gely driven by higher performance-based compensation expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (The provision for credit losses was a benefit of $96 million, compared to an expense of $459 million in the prior) Tj ET Q q 0 0 0 rg BT 498.92 190.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 549.87 190.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (which included reserve builds in the Oil & Gas and Metals & Mining portfolios.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (4) 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 q 1 1 1 rg BT 52.50 731.40 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 50.00 716.50 181.00 -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 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 CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 706.17 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 706.17 Td (1Q16) 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 (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 691.17 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 691.17 Td (1Q16) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 676.17 Td (2,018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 676.17 Td (1,963) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 676.17 Td (1,803) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 676.17 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 676.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 676.17 Td (%) 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 498.15 676.17 Td (215) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 676.17 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 676.17 Td (%) 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 (825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 661.17 Td (744) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 661.17 Td (713) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 661.17 Td (81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 661.17 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 661.17 Td (112) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 661.17 Td (16) 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 258.80 646.17 Td (\(37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 646.17 Td (124) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 646.17 Td (304) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 646.22 Td (\(161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 646.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 646.22 Td (\(341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 646.17 Td (NM) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 631.17 Td (799) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 631.17 Td (687) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 631.17 Td (496) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 631.17 Td (112) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 631.17 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 631.17 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 498.15 631.17 Td (303) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 631.17 Td (61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 631.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 600.00 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 600.00 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 600.00 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 582.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 582.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 582.00 Td ($799 ) Tj ET Q q 0 0 0 rg BT 138.92 582.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 582.00 Td (an ) Tj ET Q q 0 0 0 rg BT 184.75 582.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.01 582.00 Td (of ) Tj ET Q q 0 0 0 rg BT 230.84 582.00 Td (61%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 564.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.73 564.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.17 564.00 Td (was ) Tj ET Q q 0 0 0 rg BT 119.52 564.00 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 139.81 564.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.22 564.00 Td (up ) Tj ET Q q 0 0 0 rg BT 184.02 564.00 Td (12%, ) Tj ET Q q 0 0 0 rg BT 207.64 564.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 235.98 564.00 Td (by ) Tj ET Q q 0 0 0 rg BT 248.78 564.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 277.12 564.00 Td (net ) Tj ET Q q 0 0 0 rg BT 292.13 564.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 324.36 564.00 Td (income ) Tj ET Q q 0 0 0 rg BT 356.58 564.00 Td (due ) Tj ET Q q 0 0 0 rg BT 373.82 564.00 Td (to ) Tj ET Q q 0 0 0 rg BT 384.39 564.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 412.73 564.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 444.41 564.00 Td (spreads ) Tj ET Q q 0 0 0 rg BT 477.20 564.00 Td (and ) Tj ET Q q 0 0 0 rg BT 494.43 564.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 514.44 564.00 Td (growth, ) Tj ET Q q 0 0 0 rg BT 548.07 564.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 552.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.55 552.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 123.93 552.00 Td (banking ) Tj ET Q q 0 0 0 rg BT 158.65 552.00 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.99 534.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.02 534.00 Td (was ) Tj ET Q q 0 0 0 rg BT 152.41 534.00 Td ($825 ) Tj ET Q q 0 0 0 rg BT 175.24 534.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 209.46 534.00 Td (up ) Tj ET Q q 0 0 0 rg BT 222.29 534.00 Td (16%. ) Tj ET Q q 0 0 0 rg BT 245.95 534.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 295.44 534.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 330.48 534.00 Td (in ) Tj ET Q q 0 0 0 rg BT 341.09 534.00 Td (the ) Tj ET Q q 0 0 0 rg BT 356.13 534.00 Td (current ) Tj ET Q q 0 0 0 rg BT 387.28 534.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 418.43 534.00 Td (included ) Tj ET Q q 0 0 0 rg BT 455.69 534.00 Td ($29 ) Tj ET Q q 0 0 0 rg BT 473.52 534.00 Td (million ) Tj ET Q q 0 0 0 rg BT 505.25 534.00 Td (of ) Tj ET Q q 0 0 0 rg BT 516.41 534.00 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.55 522.00 Td (on ) Tj ET Q q 0 0 0 rg BT 97.39 522.00 Td (leased ) Tj ET Q q 0 0 0 rg BT 125.21 522.00 Td (assets, ) Tj ET Q q 0 0 0 rg BT 153.89 522.00 Td (as ) Tj ET Q q 0 0 0 rg BT 165.06 522.00 Td (well ) Tj ET Q q 0 0 0 rg BT 185.11 522.00 Td (as ) Tj ET Q q 0 0 0 rg BT 196.29 522.00 Td (reflected ) Tj ET Q q 0 0 0 rg BT 234.10 522.00 Td (increased ) Tj ET Q q 0 0 0 rg BT 274.69 522.00 Td (hiring ) Tj ET Q q 0 0 0 rg BT 301.42 522.00 Td (of ) Tj ET Q q 0 0 0 rg BT 312.59 522.00 Td (bankers ) Tj ET Q q 0 0 0 rg BT 346.53 522.00 Td (and ) Tj ET Q q 0 0 0 rg BT 363.81 522.00 Td (business-related ) Tj ET Q q 0 0 0 rg BT 431.07 522.00 Td (support ) Tj ET Q q 0 0 0 rg BT 463.91 522.00 Td (staf) Tj ET Q q 0 0 0 rg BT 478.17 522.00 Td (f, ) Tj ET Q q 0 0 0 rg BT 486.84 522.00 Td (and ) Tj ET Q q 0 0 0 rg BT 504.12 522.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 554.74 522.00 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.00 Td (technology) Tj ET Q q 0 0 0 rg BT 93.28 510.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 492.00 Td (The ) Tj ET Q q 0 0 0 rg BT 68.10 492.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.93 492.00 Td (for ) Tj ET Q q 0 0 0 rg BT 123.65 492.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 149.47 492.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 176.41 492.00 Td (was ) Tj ET Q q 0 0 0 rg BT 195.02 492.00 Td (a ) Tj ET Q q 0 0 0 rg BT 202.51 492.00 Td (benefit ) Tj ET Q q 0 0 0 rg BT 233.33 492.00 Td (of ) Tj ET Q q 0 0 0 rg BT 244.71 492.00 Td ($37 ) Tj ET Q q 0 0 0 rg BT 262.77 492.00 Td (million ) Tj ET Q q 0 0 0 rg BT 294.71 492.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 323.31 492.00 Td (by ) Tj ET Q q 0 0 0 rg BT 336.37 492.00 Td (releases ) Tj ET Q q 0 0 0 rg BT 371.07 492.00 Td (in ) Tj ET Q q 0 0 0 rg BT 381.90 492.00 Td (the ) Tj ET Q q 0 0 0 rg BT 397.17 492.00 Td (Oil ) Tj ET Q q 0 0 0 rg BT 413.00 492.00 Td (& ) Tj ET Q q 0 0 0 rg BT 423.84 492.00 Td (Gas ) Tj ET Q q 0 0 0 rg BT 442.44 492.00 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 482.99 492.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 519.37 492.00 Td (of) Tj ET Q q 0 0 0 rg BT 527.52 492.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 545.01 492.00 Td (by ) Tj ET Q q 0 0 0 rg BT 558.06 492.00 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 480.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 80.82 480.00 Td (build ) Tj ET Q q 0 0 0 rg BT 103.83 480.00 Td (due ) Tj ET Q q 0 0 0 rg BT 120.73 480.00 Td (to ) Tj ET Q q 0 0 0 rg BT 130.96 480.00 Td (select ) Tj ET Q q 0 0 0 rg BT 156.18 480.00 Td (client ) Tj ET Q q 0 0 0 rg BT 180.85 480.00 Td (downgrades. ) Tj ET Q q 0 0 0 rg BT 233.94 480.00 Td (The ) Tj ET Q q 0 0 0 rg BT 251.95 480.00 Td (prior) Tj ET Q q 0 0 0 rg BT 271.18 480.00 Td (-year ) Tj ET Q q 0 0 0 rg BT 294.18 480.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 324.95 480.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 365.18 480.00 Td (for ) Tj ET Q q 0 0 0 rg BT 379.30 480.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 404.51 480.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 430.86 480.00 Td (was ) Tj ET Q q 0 0 0 rg BT 448.87 480.00 Td (an ) Tj ET Q q 0 0 0 rg BT 460.76 480.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 495.42 480.00 Td (of ) Tj ET Q q 0 0 0 rg BT 506.21 480.00 Td ( ) Tj ET Q q 0 0 0 rg BT 508.66 480.00 Td ($304 ) Tj ET Q q 0 0 0 rg BT 531.12 480.00 Td (million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 468.00 Td (which ) Tj ET Q q 0 0 0 rg BT 76.44 468.00 Td (included ) Tj ET Q q 0 0 0 rg BT 113.37 468.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 144.74 468.00 Td (builds ) Tj ET Q q 0 0 0 rg BT 171.69 468.00 Td (in ) Tj ET Q q 0 0 0 rg BT 181.97 468.00 Td (the ) Tj ET Q q 0 0 0 rg BT 196.68 468.00 Td (Oil ) Tj ET Q q 0 0 0 rg BT 211.96 468.00 Td (& ) Tj ET Q q 0 0 0 rg BT 222.24 468.00 Td (Gas ) Tj ET Q q 0 0 0 rg BT 240.29 468.00 Td (portfolio.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 448.50 511.00 -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 52.50 440.85 221.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 433.40 Td (ASSET & WEALTH MANAGEMENT \(AWM\)) 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 50.00 418.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 418.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 418.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 418.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 418.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 418.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 418.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 418.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 418.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 418.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 403.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 403.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 403.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 403.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 403.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 403.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 403.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 403.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 403.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 403.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 403.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 403.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 343.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 343.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 343.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 343.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 343.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 343.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 343.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 343.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 343.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 343.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 343.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 343.50 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 378 403.5 m 423 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 403.5 m 468 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 403.5 m 472 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 403.5 m 517 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 403.5 m 562 403.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 388.5 m 231 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 388.5 m 276 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 388.5 m 280 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 388.5 m 325 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 388.5 m 329 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 388.5 m 374 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 388.5 m 378 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 388.5 m 423 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 388.5 m 468 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 388.5 m 472 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 388.5 m 517 388.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 388.5 m 562 388.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 343.5 m 231 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 328.5 m 231 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 343.5 m 276 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 328.5 m 276 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 343.5 m 280 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 328.5 m 280 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 343.5 m 325 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 328.5 m 325 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 343.5 m 329 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 328.5 m 329 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 343.5 m 374 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 328.5 m 374 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 343.5 m 378 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 328.5 m 378 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 343.5 m 423 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 328.5 m 423 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 343.5 m 468 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 328.5 m 468 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 343.5 m 472 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 328.5 m 472 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 343.5 m 517 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 328.5 m 517 328.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 343.5 m 562 343.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 328.5 m 562 328.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 408.17 Td (Results for AWM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 408.17 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 408.17 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 393.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 393.17 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 393.17 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 393.17 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 393.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 393.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 393.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 393.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 379.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 378.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 378.17 Td (3,087) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 378.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 378.17 Td (3,087) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 378.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 378.17 Td (2,972) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 378.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 378.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 378.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 378.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 378.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 378.17 Td (115) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 378.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 378.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 364.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 363.17 Td (2,580) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 363.17 Td (2,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 363.17 Td (2,075) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 363.17 Td (405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 363.17 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 363.17 Td (505) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 363.17 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 349.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 348.17 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 348.22 Td (\(11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 348.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 348.17 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 348.17 Td (29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 348.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 348.17 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 348.17 Td (38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 334.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 333.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 333.17 Td (385) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 333.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 333.17 Td (586) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 333.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 333.17 Td (587) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 333.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 333.22 Td (\(201) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 333.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 333.17 Td (\(34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 333.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 333.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 333.22 Td (\(202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 333.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 333.17 Td (\(34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 333.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 311.00 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 311.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 293.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 293.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 293.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 293.00 Td ($385 ) Tj ET Q q 0 0 0 rg BT 138.92 293.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 293.00 Td (a ) Tj ET Q q 0 0 0 rg BT 179.75 293.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 216.67 293.00 Td (of ) Tj ET Q q 0 0 0 rg BT 227.50 293.00 Td (34%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.75 275.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.21 275.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.57 275.00 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 135.88 275.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 166.30 275.00 Td (an ) Tj ET Q q 0 0 0 rg BT 177.55 275.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 212.12 275.00 Td (of ) Tj ET Q q 0 0 0 rg BT 222.26 275.00 Td (4%, ) Tj ET Q q 0 0 0 rg BT 239.90 275.00 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 280.02 275.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 307.38 275.00 Td (market ) Tj ET Q q 0 0 0 rg BT 336.95 275.00 Td (levels ) Tj ET Q q 0 0 0 rg BT 362.08 275.00 Td (and ) Tj ET Q q 0 0 0 rg BT 378.33 275.00 Td (strong ) Tj ET Q q 0 0 0 rg BT 405.14 275.00 Td (banking ) Tj ET Q q 0 0 0 rg BT 439.17 275.00 Td (results ) Tj ET Q q 0 0 0 rg BT 467.09 275.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 494.45 275.00 Td (by ) Tj ET Q q 0 0 0 rg BT 506.26 275.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 533.62 275.00 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 263.00 Td (spreads. ) Tj ET Q q 0 0 0 rg BT 84.31 263.00 Td (The ) Tj ET Q q 0 0 0 rg BT 102.36 263.00 Td (prior) Tj ET Q q 0 0 0 rg BT 121.59 263.00 Td (-year ) Tj ET Q q 0 0 0 rg BT 144.63 263.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 175.45 263.00 Td (included ) Tj ET Q q 0 0 0 rg BT 212.38 263.00 Td (a ) Tj ET Q q 0 0 0 rg BT 219.32 263.00 Td ($150 ) Tj ET Q q 0 0 0 rg BT 241.82 263.00 Td (million ) Tj ET Q q 0 0 0 rg BT 273.21 263.00 Td (gain ) Tj ET Q q 0 0 0 rg BT 292.93 263.00 Td (on ) Tj ET Q q 0 0 0 rg BT 305.43 263.00 Td (the ) Tj ET Q q 0 0 0 rg BT 320.14 263.00 Td (sale ) Tj ET Q q 0 0 0 rg BT 338.19 263.00 Td (of ) Tj ET Q q 0 0 0 rg BT 349.02 263.00 Td (an ) Tj ET Q q 0 0 0 rg BT 360.96 263.00 Td (asset.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 245.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 245.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 245.00 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 245.00 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 171.41 245.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 245.00 Td (an ) Tj ET Q q 0 0 0 rg BT 214.47 245.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 249.72 245.00 Td (of ) Tj ET Q q 0 0 0 rg BT 260.55 245.00 Td (24%, ) Tj ET Q q 0 0 0 rg BT 283.88 245.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 344.70 245.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 372.75 245.00 Td (by ) Tj ET Q q 0 0 0 rg BT 385.25 245.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 413.29 245.00 Td (legal ) Tj ET Q q 0 0 0 rg BT 435.23 245.00 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 227.00 Td (Assets ) Tj ET Q q 0 0 0 rg BT 77.73 227.00 Td (under ) Tj ET Q q 0 0 0 rg BT 102.62 227.00 Td (management ) Tj ET Q q 0 0 0 rg BT 155.83 227.00 Td (were ) Tj ET Q q 0 0 0 rg BT 177.37 227.00 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 196.99 227.00 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 228.83 227.00 Td (up ) Tj ET Q q 0 0 0 rg BT 240.95 227.00 Td (10%, ) Tj ET Q q 0 0 0 rg BT 263.90 227.00 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 304.33 227.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 331.99 227.00 Td (market ) Tj ET Q q 0 0 0 rg BT 361.87 227.00 Td (levels, ) Tj ET Q q 0 0 0 rg BT 389.82 227.00 Td (and ) Tj ET Q q 0 0 0 rg BT 406.37 227.00 Td (net ) Tj ET Q q 0 0 0 rg BT 420.71 227.00 Td (inflows ) Tj ET Q q 0 0 0 rg BT 452.83 227.00 Td (into ) Tj ET Q q 0 0 0 rg BT 470.50 227.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 506.51 227.00 Td (and ) Tj ET Q q 0 0 0 rg BT 523.07 227.00 Td (long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.00 Td (products. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 195.50 511.00 -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 52.50 187.85 69.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 180.40 Td (CORPORATE) 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 50.00 165.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 165.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 165.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 165.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 165.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 165.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 165.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 165.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 165.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 165.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 150.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 150.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 150.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 150.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 150.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 150.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 150.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 150.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 150.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 150.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 150.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 150.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 120.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 120.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 120.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 120.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 120.50 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 120.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 105.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 105.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 105.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 105.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 105.50 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 105.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 90.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 90.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 90.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 90.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 90.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 90.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 90.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 90.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 90.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 90.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 90.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 90.50 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 378 150.5 m 423 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 150.5 m 468 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 150.5 m 472 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 150.5 m 517 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 150.5 m 562 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 135.5 m 231 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 135.5 m 276 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 135.5 m 280 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 135.5 m 325 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 135.5 m 329 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 135.5 m 374 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 135.5 m 378 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 135.5 m 423 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 135.5 m 468 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 135.5 m 472 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 135.5 m 517 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 135.5 m 562 135.5 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 90.5 m 231 90.5 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 75.5 m 231 75.5 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 90.5 m 276 90.5 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 75.5 m 276 75.5 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 90.5 m 280 90.5 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 75.5 m 280 75.5 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 90.5 m 325 90.5 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 75.5 m 325 75.5 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 90.5 m 329 90.5 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 75.5 m 329 75.5 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 90.5 m 374 90.5 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 75.5 m 374 75.5 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 90.5 m 378 90.5 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 75.5 m 378 75.5 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 90.5 m 423 90.5 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 75.5 m 423 75.5 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 90.5 m 468 90.5 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 75.5 m 468 75.5 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 90.5 m 472 90.5 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 75.5 m 472 75.5 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 90.5 m 517 90.5 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 75.5 m 517 75.5 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 90.5 m 562 90.5 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 75.5 m 562 75.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 155.17 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 155.17 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 155.17 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 140.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 140.17 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 140.17 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 140.17 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 140.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 140.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 140.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 140.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 126.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 125.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.80 125.17 Td (\(25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 125.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 125.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 125.22 Td (\(197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 125.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 125.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 125.17 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 125.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 125.17 Td (172) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 125.17 Td (87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 125.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 125.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 125.22 Td (\(81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 125.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 125.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 111.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 110.17 Td (98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 110.17 Td (439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 110.17 Td (153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 110.22 Td (\(341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 110.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 110.22 Td (\(78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 110.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 110.22 Td (\(55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 110.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 110.22 Td (\(36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 110.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 96.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 95.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 95.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.80 95.22 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 95.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 95.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 95.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 95.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.15 95.17 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 95.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 81.07 Td (Net income/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 80.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 80.17 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 80.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 80.22 Td (\(341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 80.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 80.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 80.22 Td (\(32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 80.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 80.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 80.17 Td (376) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 80.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 80.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 80.17 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 80.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 58.00 Td (Discussion of Results:) 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 BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 740.10 Td (Net income was $35 million, compared with a net loss of $32 million in the prior) Tj ET Q q 0 0 0 rg BT 373.69 740.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 424.49 740.10 Td (. ) Tj ET Q q 0 0 0 rg BT 429.31 740.10 Td (The current quarter included the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (release of certain legal reserves.) 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 (2. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 67.50 740.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 93.88 740.25 Td (on ) Tj ET Q q 0 0 0 rg BT 106.94 740.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 154.17 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 156.67 740.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 196.40 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 227.88 740.25 Td (es ) Tj ET Q q 0 0 0 rg BT 238.71 740.25 Td (and ) Tj ET Q q 0 0 0 rg BT 257.33 740.25 Td (key ) Tj ET Q q 0 0 0 rg BT 274.83 740.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 332.31 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 363.79 740.25 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 722.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 722.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 136.17 722.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.67 722.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.40 722.25 Td (measur) Tj ET Q q 0 0 0 rg BT 209.88 722.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.25 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 698.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.87 698.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.69 698.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.51 698.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.43 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.69 698.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 199.91 698.25 Td (s ) Tj ET Q q 0 0 0 rg BT 205.85 698.25 Td (results ) Tj ET Q q 0 0 0 rg BT 234.00 698.25 Td (on ) Tj ET Q q 0 0 0 rg BT 246.04 698.25 Td (a ) Tj ET Q q 0 0 0 rg BT 252.53 698.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 287.89 698.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 312.43 698.25 Td (management ) Tj ET Q q 0 0 0 rg BT 365.56 698.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 398.70 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 412.96 698.25 Td (Firm? 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Tj ET Q q 0 0 0 rg BT 320.89 686.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 346.41 686.25 Td (which ) Tj ET Q q 0 0 0 rg BT 373.87 686.25 Td (are ) Tj ET Q q 0 0 0 rg BT 389.10 686.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 434.28 686.25 Td ( ) Tj ET Q q 0 0 0 rg BT 437.30 686.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 475.31 686.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 517.81 686.25 Td (The ) Tj ET Q q 0 0 0 rg BT 536.38 686.25 Td (Firm? 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/F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (net ) Tj ET Q q 0 0 0 rg BT 81.42 662.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 114.77 662.25 Td (for ) Tj ET Q q 0 0 0 rg BT 128.13 662.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.05 662.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.20 662.25 Td (\(and ) Tj ET Q q 0 0 0 rg BT 182.67 662.25 Td (each ) Tj ET Q q 0 0 0 rg BT 202.69 662.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.73 662.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.65 662.25 Td (business ) Tj ET Q q 0 0 0 rg BT 262.24 662.25 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 304.49 662.25 Td (on ) Tj ET Q q 0 0 0 rg BT 316.19 662.25 Td (a ) Tj ET Q q 0 0 0 rg BT 322.34 662.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 342.93 662.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 418.48 662.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 453.50 662.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 477.33 662.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 526.66 662.25 Td (, ) Tj ET Q q 0 0 0 rg BT 530.87 662.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 650.25 Td (from ) Tj ET Q q 0 0 0 rg BT 89.14 650.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 139.11 650.25 Td (that ) Tj ET Q q 0 0 0 rg BT 156.31 650.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 187.37 650.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 201.79 650.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 230.65 650.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.29 650.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 294.47 650.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 334.43 650.25 Td (is ) Tj ET Q q 0 0 0 rg BT 343.31 650.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 383.82 650.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.80 650.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.22 650.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 446.51 650.25 Td (results ) Tj ET Q q 0 0 0 rg BT 474.82 650.25 Td (on ) Tj ET Q q 0 0 0 rg BT 487.03 650.25 Td (a ) Tj ET Q q 0 0 0 rg BT 493.67 650.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 515.87 650.25 Td (comparable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 638.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.49 638.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 108.57 638.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 158.56 638.25 Td (and ) Tj ET Q q 0 0 0 rg BT 175.21 638.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 217.53 638.25 Td (These ) Tj ET Q q 0 0 0 rg BT 243.61 638.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 288.80 638.25 Td ( ) Tj ET Q q 0 0 0 rg BT 291.01 638.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 328.20 638.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 367.62 638.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 392.05 638.25 Td (management ) Tj ET Q q 0 0 0 rg BT 445.35 638.25 Td (to ) Tj ET Q q 0 0 0 rg BT 455.34 638.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 482.00 638.25 Td (the ) Tj ET Q q 0 0 0 rg BT 496.43 638.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 554.18 638.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.34 626.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 130.75 626.25 Td (from ) Tj ET Q q 0 0 0 rg BT 152.38 626.25 Td (both ) Tj ET Q q 0 0 0 rg BT 172.34 626.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 203.41 626.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.04 626.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 267.21 626.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 301.73 626.25 Td (The ) Tj ET Q q 0 0 0 rg BT 319.47 626.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 378.87 626.25 Td (income ) Tj ET Q q 0 0 0 rg BT 410.49 626.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 424.90 626.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 454.31 626.25 Td (related ) Tj ET Q q 0 0 0 rg BT 483.70 626.25 Td (to ) Tj ET Q q 0 0 0 rg BT 493.67 626.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 540.84 626.25 Td (items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (is ) Tj ET Q q 0 0 0 rg BT 76.63 614.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 114.07 614.25 Td (within ) Tj ET Q q 0 0 0 rg BT 142.09 614.25 Td (income ) Tj ET Q q 0 0 0 rg BT 173.99 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 188.66 614.25 Td (expense. ) Tj ET Q q 0 0 0 rg BT 225.66 614.25 Td (These ) Tj ET Q q 0 0 0 rg BT 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BT 180.96 602.25 Td (For ) Tj ET Q q 0 0 0 rg BT 198.07 602.25 Td (a ) Tj ET Q q 0 0 0 rg BT 205.73 602.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 263.92 602.25 Td (of ) Tj ET Q q 0 0 0 rg BT 275.47 602.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.90 602.25 Td (Firm? 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 566.25 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 566.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.91 566.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 103.60 566.25 Td (common ) Tj ET Q q 0 0 0 rg BT 139.84 566.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 166.09 566.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 204.26 566.25 Td (return ) Tj ET Q q 0 0 0 rg BT 229.39 566.25 Td (on ) Tj ET Q q 0 0 0 rg BT 240.64 566.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 274.11 566.25 Td (common ) Tj ET Q q 0 0 0 rg BT 310.35 566.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 336.60 566.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 386.17 566.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.86 566.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 435.32 566.25 Td (book ) Tj ET Q q 0 0 0 rg BT 456.57 566.25 Td (value ) Tj ET Q q 0 0 0 rg BT 479.48 566.25 Td (per ) Tj ET Q q 0 0 0 rg BT 493.50 566.25 Td (share ) Tj ET Q q 0 0 0 rg BT 515.85 566.25 Td (\(TBVPS\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 554.25 Td (are ) Tj ET Q q 0 0 0 rg BT 82.92 554.25 Td (each ) Tj ET Q q 0 0 0 rg BT 104.45 554.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 149.64 554.25 Td ( ) Tj ET Q q 0 0 0 rg BT 152.85 554.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 191.05 554.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 233.73 554.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 255.84 554.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 299.59 554.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.02 554.25 Td (Firm? 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Tj ET Q q 0 0 0 rg BT 146.80 506.25 Td (s ) Tj ET Q q 0 0 0 rg BT 152.69 506.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 173.74 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 183.11 506.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 228.58 506.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 260.74 506.25 Td (by ) Tj ET Q q 0 0 0 rg BT 272.90 506.25 Td (common ) Tj ET Q q 0 0 0 rg BT 310.05 506.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 337.20 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 346.57 506.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 394.39 506.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 417.94 506.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 452.87 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 469.31 506.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 502.59 506.25 Td (are ) Tj ET Q q 0 0 0 rg BT 516.96 506.25 Td (meaningful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.78 494.25 Td (the ) Tj ET Q q 0 0 0 rg BT 92.50 494.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 116.94 494.25 Td (as ) Tj ET Q q 0 0 0 rg BT 127.77 494.25 Td (well ) Tj ET Q q 0 0 0 rg BT 147.49 494.25 Td (as ) Tj ET Q q 0 0 0 rg BT 158.32 494.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 196.93 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 213.87 494.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 251.08 494.25 Td (in ) Tj ET Q q 0 0 0 rg BT 261.36 494.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 301.08 494.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.80 494.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 338.03 494.25 Td (s ) Tj ET Q q 0 0 0 rg BT 344.42 494.25 Td (use ) Tj ET Q q 0 0 0 rg BT 360.25 494.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.08 494.25 Td (equity) Tj ET Q q 0 0 0 rg BT 395.42 494.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 469.05 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 469.05 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 105.74 469.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.07 469.05 Td (and ) Tj ET Q q 0 0 0 rg BT 156.64 469.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 192.09 469.05 Td (overhead ) Tj ET Q q 0 0 0 rg BT 230.86 469.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 251.32 469.05 Td (are ) Tj ET Q q 0 0 0 rg BT 265.65 469.05 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 310.84 469.05 Td ( ) Tj ET Q q 0 0 0 rg BT 312.97 469.05 Td (financial ) Tj ET Q q 0 0 0 rg BT 350.07 469.05 Td (measures) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 387.28 469.05 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.37 469.05 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 430.61 469.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 464.94 469.05 Td (excludes ) Tj ET Q q 0 0 0 rg BT 502.06 469.05 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 543.07 469.05 Td (legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 457.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 102.31 457.05 Td (\(an ) Tj ET Q q 0 0 0 rg BT 117.69 457.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 152.50 457.05 Td (of ) Tj ET Q q 0 0 0 rg BT 163.43 457.05 Td ($218 ) Tj ET Q q 0 0 0 rg BT 186.04 457.05 Td (million ) Tj ET Q q 0 0 0 rg BT 217.53 457.05 Td (in ) Tj ET Q q 0 0 0 rg BT 227.92 457.05 Td (the ) Tj ET Q q 0 0 0 rg BT 242.74 457.05 Td (first ) Tj ET Q q 0 0 0 rg BT 261.45 457.05 Td (quarter ) Tj ET Q q 0 0 0 rg BT 292.37 457.05 Td (of ) Tj ET Q q 0 0 0 rg BT 303.31 457.05 Td (2017\). ) Tj ET Q q 0 0 0 rg BT 331.55 457.05 Td (The ) Tj ET Q q 0 0 0 rg BT 349.71 457.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 385.64 457.05 Td (overhead ) Tj ET Q q 0 0 0 rg BT 424.89 457.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 445.82 457.05 Td (measures ) Tj ET Q q 0 0 0 rg BT 485.63 457.05 Td (the ) Tj ET Q q 0 0 0 rg BT 500.45 457.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 522.68 457.05 Td (s ) Tj ET Q q 0 0 0 rg BT 529.17 457.05 Td (adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 445.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 101.80 445.05 Td (as ) Tj ET Q q 0 0 0 rg BT 112.22 445.05 Td (a ) Tj ET Q q 0 0 0 rg BT 118.75 445.05 Td (percentage ) Tj ET Q q 0 0 0 rg BT 164.14 445.05 Td (of ) Tj ET Q q 0 0 0 rg BT 174.56 445.05 Td (managed ) Tj ET Q q 0 0 0 rg BT 212.74 445.05 Td (net ) Tj ET Q q 0 0 0 rg BT 227.05 445.05 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 263.28 445.05 Td (Management ) Tj ET Q q 0 0 0 rg BT 317.57 445.05 Td (believes ) Tj ET Q q 0 0 0 rg BT 352.43 445.05 Td (this ) Tj ET Q q 0 0 0 rg BT 368.96 445.05 Td (information ) Tj ET Q q 0 0 0 rg BT 418.27 445.05 Td (helps ) Tj ET Q q 0 0 0 rg BT 441.46 445.05 Td (investors ) Tj ET Q q 0 0 0 rg BT 479.66 445.05 Td (understand ) Tj ET Q q 0 0 0 rg BT 525.63 445.05 Td (the ) Tj ET Q q 0 0 0 rg BT 539.94 445.05 Td (ef) Tj ET Q q 0 0 0 rg BT 547.52 445.05 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 433.05 Td (of ) Tj ET Q q 0 0 0 rg BT 78.33 433.05 Td (these ) Tj ET Q q 0 0 0 rg BT 101.38 433.05 Td (items ) Tj ET Q q 0 0 0 rg BT 125.54 433.05 Td (on ) Tj ET Q q 0 0 0 rg BT 138.04 433.05 Td (reported ) Tj ET Q q 0 0 0 rg BT 173.86 433.05 Td (results ) Tj ET Q q 0 0 0 rg BT 202.47 433.05 Td (and ) Tj ET Q q 0 0 0 rg BT 219.40 433.05 Td (provides ) Tj ET Q q 0 0 0 rg BT 256.34 433.05 Td (an ) Tj ET Q q 0 0 0 rg BT 268.28 433.05 Td (alternate ) Tj ET Q q 0 0 0 rg BT 305.20 433.05 Td (presentation ) Tj ET Q q 0 0 0 rg BT 356.57 433.05 Td (of ) Tj ET Q q 0 0 0 rg BT 367.40 433.05 Td (the ) Tj ET Q q 0 0 0 rg BT 382.12 433.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 404.35 433.05 Td (s ) Tj ET Q q 0 0 0 rg BT 410.74 433.05 Td (performance.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 409.05 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 409.05 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 409.05 Td (key ) Tj ET Q q 0 0 0 rg BT 106.44 409.05 Td (performance ) Tj ET Q q 0 0 0 rg BT 163.92 409.05 Td (measur) Tj ET Q q 0 0 0 rg BT 195.40 409.05 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 385.05 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 385.05 Td (Core ) Tj ET Q q 0 0 0 rg BT 89.14 385.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 112.44 385.05 Td (represent ) Tj ET Q q 0 0 0 rg BT 151.28 385.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.59 385.05 Td (considered ) Tj ET Q q 0 0 0 rg BT 220.10 385.05 Td (central ) Tj ET Q q 0 0 0 rg BT 249.50 385.05 Td (to ) Tj ET Q q 0 0 0 rg BT 259.48 385.05 Td (the ) Tj ET Q q 0 0 0 rg BT 273.89 385.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 296.12 385.05 Td (s ) Tj ET Q q 0 0 0 rg BT 302.21 385.05 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 337.18 385.05 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 384.38 385.05 Td (core ) Tj ET Q q 0 0 0 rg BT 403.78 385.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 427.09 385.05 Td (exclude ) Tj ET Q q 0 0 0 rg BT 460.38 385.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 483.69 385.05 Td (classified ) Tj ET Q q 0 0 0 rg BT 523.65 385.05 Td (as ) Tj ET Q q 0 0 0 rg BT 534.17 385.05 Td (trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 373.05 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.83 373.05 Td (runof) Tj ET Q q 0 0 0 rg BT 117.31 373.05 Td (f ) Tj ET Q q 0 0 0 rg BT 123.14 373.05 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 167.03 373.05 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 220.63 373.05 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 262.02 373.05 Td (and ) Tj ET Q q 0 0 0 rg BT 278.96 373.05 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 320.34 373.05 Td (the ) Tj ET Q q 0 0 0 rg BT 335.06 373.05 Td (Firm ) Tj ET Q q 0 0 0 rg BT 357.01 373.05 Td (has ) Tj ET Q q 0 0 0 rg BT 372.84 373.05 Td (an ) Tj ET Q q 0 0 0 rg BT 384.78 373.05 Td (intent ) Tj ET Q q 0 0 0 rg BT 410.05 373.05 Td (to ) Tj ET Q q 0 0 0 rg BT 420.33 373.05 Td (exit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 349.05 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 349.05 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 109.83 349.05 Td (as ) Tj ET Q q 0 0 0 rg BT 120.51 349.05 Td (of ) Tj ET Q q 0 0 0 rg BT 131.18 349.05 Td (March ) Tj ET Q q 0 0 0 rg BT 159.62 349.05 Td (31, ) Tj ET Q q 0 0 0 rg BT 174.47 349.05 Td (2017. ) Tj ET Q q 0 0 0 rg BT 199.14 349.05 Td (The ) Tj ET Q q 0 0 0 rg BT 217.03 349.05 Td (Basel ) Tj ET Q q 0 0 0 rg BT 241.59 349.05 Td (III ) Tj ET Q q 0 0 0 rg BT 253.93 349.05 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 315.14 349.05 Td (leverage ) Tj ET Q q 0 0 0 rg BT 351.35 349.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 372.02 349.05 Td (\(SLR\), ) Tj ET Q q 0 0 0 rg BT 410.74 349.05 Td (which ) Tj ET Q q 0 0 0 rg BT 437.52 349.05 Td (becomes ) Tj ET Q q 0 0 0 rg BT 474.85 349.05 Td (ef) Tj ET Q q 0 0 0 rg BT 482.44 349.05 Td (fective ) Tj ET Q q 0 0 0 rg BT 511.98 349.05 Td (for?) Tj ET Q q 0 0 0 rg BT 528.49 349.05 Td (the ) Tj ET Q q 0 0 0 rg BT 543.05 349.05 Td (Firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 337.05 Td (on ) Tj ET Q q 0 0 0 rg BT 80.42 337.05 Td (January ) Tj ET Q q 0 0 0 rg BT 114.44 337.05 Td (1, ) Tj ET Q q 0 0 0 rg BT 124.86 337.05 Td (2018, ) Tj ET Q q 0 0 0 rg BT 150.28 337.05 Td (and ) Tj ET Q q 0 0 0 rg BT 167.64 337.05 Td (the ) Tj ET Q q 0 0 0 rg BT 182.78 337.05 Td (Basel ) Tj ET Q q 0 0 0 rg BT 207.92 337.05 Td (III ) Tj ET Q q 0 0 0 rg BT 220.19 337.05 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 263.65 337.05 Td (Fully ) Tj ET Q q 0 0 0 rg BT 287.69 337.05 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 330.60 337.05 Td (Common ) Tj ET Q q 0 0 0 rg BT 370.74 337.05 Td (equity ) Tj ET Q q 0 0 0 rg BT 398.45 337.05 Td (T) Tj ET Q q 0 0 0 rg BT 404.21 337.05 Td (ier ) Tj ET Q q 0 0 0 rg BT 417.67 337.05 Td (1 ) Tj ET Q q 0 0 0 rg BT 425.60 337.05 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 467.94 337.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 497.51 337.05 Td (and ) Tj ET Q q 0 0 0 rg BT 514.87 337.05 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 541.68 337.05 Td (ratio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 325.05 Td (which ) Tj ET Q q 0 0 0 rg BT 93.80 325.05 Td (become ) Tj ET Q q 0 0 0 rg BT 126.76 325.05 Td (ef) Tj ET Q q 0 0 0 rg BT 134.35 325.05 Td (fective ) Tj ET Q q 0 0 0 rg BT 163.42 325.05 Td (for ) Tj ET Q q 0 0 0 rg BT 176.94 325.05 Td (the ) Tj ET Q q 0 0 0 rg BT 191.03 325.05 Td (Firm ) Tj ET Q q 0 0 0 rg BT 212.34 325.05 Td (on ) Tj ET Q q 0 0 0 rg BT 224.20 325.05 Td (January ) Tj ET Q q 0 0 0 rg BT 257.17 325.05 Td (1, ) Tj ET Q q 0 0 0 rg BT 266.53 325.05 Td (2019, ) Tj ET Q q 0 0 0 rg BT 290.90 325.05 Td (are ) Tj ET Q q 0 0 0 rg BT 304.97 325.05 Td (each ) Tj ET Q q 0 0 0 rg BT 325.15 325.05 Td (considered ) Tj ET Q q 0 0 0 rg BT 370.33 325.05 Td (key ) Tj ET Q q 0 0 0 rg BT 386.64 325.05 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 429.59 325.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 458.11 325.05 Td (measures. ) Tj ET Q q 0 0 0 rg BT 499.55 325.05 Td (These ) Tj ET Q q 0 0 0 rg BT 525.29 325.05 Td (measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 313.05 Td (are ) Tj ET Q q 0 0 0 rg BT 81.06 313.05 Td (used ) Tj ET Q q 0 0 0 rg BT 100.74 313.05 Td (by ) Tj ET Q q 0 0 0 rg BT 112.08 313.05 Td (management, ) Tj ET Q q 0 0 0 rg BT 167.02 313.05 Td (bank ) Tj ET Q q 0 0 0 rg BT 187.81 313.05 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 231.64 313.05 Td (investors ) Tj ET Q q 0 0 0 rg BT 269.10 313.05 Td (and ) Tj ET Q q 0 0 0 rg BT 284.89 313.05 Td (analysts ) Tj ET Q q 0 0 0 rg BT 318.46 313.05 Td (to ) Tj ET Q q 0 0 0 rg BT 327.58 313.05 Td (assess ) Tj ET Q q 0 0 0 rg BT 353.38 313.05 Td (and ) Tj ET Q q 0 0 0 rg BT 369.16 313.05 Td (monitor ) Tj ET Q q 0 0 0 rg BT 402.18 313.05 Td (the ) Tj ET Q q 0 0 0 rg BT 415.74 313.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 437.97 313.05 Td (s ) Tj ET Q q 0 0 0 rg BT 443.21 313.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 471.21 313.05 Td (position. ) Tj ET Q q 0 0 0 rg BT 507.29 313.05 Td (For ) Tj ET Q q 0 0 0 rg BT 522.53 313.05 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 301.05 Td (information ) Tj ET Q q 0 0 0 rg BT 116.95 301.05 Td (on ) Tj ET Q q 0 0 0 rg BT 129.19 301.05 Td (these ) Tj ET Q q 0 0 0 rg BT 151.98 301.05 Td (measures, ) Tj ET Q q 0 0 0 rg BT 193.92 301.05 Td (see ) Tj ET Q q 0 0 0 rg BT 208.93 301.05 Td (Capital ) Tj ET Q q 0 0 0 rg BT 240.05 301.05 Td (Risk ) Tj ET Q q 0 0 0 rg BT 260.63 301.05 Td (Management ) Tj ET Q q 0 0 0 rg BT 315.07 301.05 Td (on ) Tj ET Q q 0 0 0 rg BT 327.31 301.05 Td (pages ) Tj ET Q q 0 0 0 rg BT 352.31 301.05 Td (76-85 ) Tj ET Q q 0 0 0 rg BT 377.88 301.05 Td (of ) Tj ET Q q 0 0 0 rg BT 388.45 301.05 Td (the ) Tj ET Q q 0 0 0 rg BT 402.91 301.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 425.13 301.05 Td (s ) Tj ET Q q 0 0 0 rg BT 430.77 301.05 Td (Annual ) Tj ET Q q 0 0 0 rg BT 462.45 301.05 Td (Report ) Tj ET Q q 0 0 0 rg BT 491.90 301.05 Td (on ) Tj ET Q q 0 0 0 rg BT 504.14 301.05 Td (Form ) Tj ET Q q 0 0 0 rg BT 528.05 301.05 Td (10-K ) Tj ET Q q 0 0 0 rg BT 550.84 301.05 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 289.05 Td (the ) Tj ET Q q 0 0 0 rg BT 82.22 289.05 Td (year ) Tj ET Q q 0 0 0 rg BT 101.92 289.05 Td (ended ) Tj ET Q q 0 0 0 rg BT 128.30 289.05 Td (December ) Tj ET Q q 0 0 0 rg BT 171.88 289.05 Td (31, ) Tj ET Q q 0 0 0 rg BT 186.88 289.05 Td (2016.) 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 49.50 710.25 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 710.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 710.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 710.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 710.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 710.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 692.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 692.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 692.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 136.64 692.25 Td (issuance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 674.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 106.09 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 120.43 674.25 Td (first ) Tj ET Q q 0 0 0 rg BT 138.67 674.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 169.11 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 179.57 674.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 204.20 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 218.54 674.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 240.12 674.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 271.12 674.25 Td (its ) Tj ET Q q 0 0 0 rg BT 282.70 674.25 Td (method ) Tj ET Q q 0 0 0 rg BT 314.82 674.25 Td (for ) Tj ET Q q 0 0 0 rg BT 328.61 674.25 Td (allocating ) Tj ET Q q 0 0 0 rg BT 370.17 674.25 Td (LOB ) Tj ET Q q 0 0 0 rg BT 392.30 674.25 Td (equity) Tj ET Q q 0 0 0 rg BT 416.64 674.25 Td (, ) Tj ET Q q 0 0 0 rg BT 421.27 674.25 Td (which ) Tj ET Q q 0 0 0 rg BT 447.84 674.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 483.29 674.25 Td (no ) Tj ET Q q 0 0 0 rg BT 495.42 674.25 Td (longer ) Tj ET Q q 0 0 0 rg BT 523.09 674.25 Td (allocating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (for ) Tj ET Q q 0 0 0 rg BT 81.57 662.25 Td (goodwilland ) Tj ET Q q 0 0 0 rg BT 136.48 662.25 Td (other ) Tj ET Q q 0 0 0 rg BT 159.44 662.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 201.84 662.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 230.08 662.25 Td (For ) Tj ET Q q 0 0 0 rg BT 246.39 662.25 Td (further ) Tj ET Q q 0 0 0 rg BT 276.01 662.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 328.13 662.25 Td (see ) Tj ET Q q 0 0 0 rg BT 343.31 662.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 368.49 662.25 Td (76-85 ) Tj ET Q q 0 0 0 rg BT 394.23 662.25 Td (of ) Tj ET Q q 0 0 0 rg BT 404.98 662.25 Td (the ) Tj ET Q q 0 0 0 rg BT 419.60 662.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 441.48 662.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 473.33 662.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 502.96 662.25 Td (on ) Tj ET Q q 0 0 0 rg BT 515.38 662.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 539.46 662.25 Td (10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 644.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 644.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 626.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (High ) Tj ET Q q 0 0 0 rg BT 90.97 626.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 122.21 626.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 149.02 626.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 175.82 626.25 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 222.60 626.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 266.61 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 282.30 626.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 324.09 626.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 357.55 626.25 Td (of ) Tj ET Q q 0 0 0 rg BT 369.36 626.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 396.16 626.25 Td (that ) Tj ET Q q 0 0 0 rg BT 414.62 626.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 446.42 626.25 Td (for ) Tj ET Q q 0 0 0 rg BT 461.55 626.25 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 501.68 626.25 Td (in ) Tj ET Q q 0 0 0 rg BT 512.93 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 528.62 626.25 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 106.08 614.25 Td (ratio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 596.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 596.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 596.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.05 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.88 596.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.15 596.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.20 596.25 Td (to ) Tj ET Q q 0 0 0 rg BT 202.48 596.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.09 596.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.13 596.25 Td (new ) Tj ET Q q 0 0 0 rg BT 293.30 596.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 596.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.61 596.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.38 596.25 Td (including ) Tj ET Q q 0 0 0 rg BT 414.66 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.27 596.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.21 596.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.47 596.25 Td (The ) Tj ET Q q 0 0 0 rg BT 532.52 596.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.90 584.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 102.74 584.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.36 584.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.22 584.25 Td (small ) Tj ET Q q 0 0 0 rg BT 173.96 584.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.25 584.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.75 584.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.93 584.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.44 584.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.27 584.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.23 584.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.64 584.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.48 584.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 423.10 584.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.17 584.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 478.35 584.25 Td (& ) Tj ET Q q 0 0 0 rg BT 488.21 584.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.84 584.25 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 91.61 572.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 137.65 572.25 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 177.61 572.25 Td (& ) Tj ET Q q 0 0 0 rg BT 187.08 572.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 212.03 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.64 572.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 280.24 572.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 318.64 572.25 Td (The ) Tj ET Q q 0 0 0 rg BT 336.35 572.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 368.52 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 379.02 572.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 403.95 572.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 441.67 572.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.62 572.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 491.01 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 507.62 572.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 527.57 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 544.18 572.25 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.07 560.25 Td (government ) Tj ET Q q 0 0 0 rg BT 138.62 560.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 172.78 560.25 Td (including ) Tj ET Q q 0 0 0 rg BT 213.34 560.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 233.91 560.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 261.41 560.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 323.35 560.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 361.69 560.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.91 560.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 430.30 560.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 473.62 560.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 499.17 560.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 537.50 560.25 Td (by ) Tj ET Q q 0 0 0 rg BT 550.29 560.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 109.99 548.25 Td (& ) Tj ET Q q 0 0 0 rg BT 120.26 548.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 167.20 548.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 190.81 548.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.74 548.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 259.67 548.25 Td (Banking.) 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Tj ET Q q 0 0 0 rg BT 308.52 689.70 Td (s ) Tj ET Q q 0 0 0 rg BT 314.30 689.70 Td (most ) Tj ET Q q 0 0 0 rg BT 335.63 689.70 Td (prominent ) Tj ET Q q 0 0 0 rg BT 378.62 689.70 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 420.76 689.70 Td (institutional ) Tj ET Q q 0 0 0 rg BT 470.42 689.70 Td (and ) Tj ET Q q 0 0 0 rg BT 486.75 689.70 Td (government ) Tj ET Q q 0 0 0 rg BT 536.39 689.70 Td (clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.70 Td (under ) Tj ET Q q 0 0 0 rg BT 74.77 677.70 Td (its ) Tj ET Q q 0 0 0 rg BT 86.72 677.70 Td (J.P) Tj ET Q q 0 0 0 rg BT 97.56 677.70 Td (. ) Tj ET Q q 0 0 0 rg BT 102.56 677.70 Td (Mor) Tj ET Q q 0 0 0 rg BT 119.60 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 136.54 677.70 Td (and ) Tj ET Q q 0 0 0 rg BT 153.48 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 180.42 677.70 Td (brands. ) Tj ET Q q 0 0 0 rg BT 212.08 677.70 Td (Information ) Tj ET Q q 0 0 0 rg BT 262.34 677.70 Td (about ) Tj ET Q q 0 0 0 rg BT 287.06 677.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 313.55 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 330.49 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 357.43 677.70 Td (& ) Tj ET Q q 0 0 0 rg BT 367.71 677.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 384.38 677.70 Td (is ) Tj ET Q q 0 0 0 rg BT 393.55 677.70 Td (available ) Tj ET Q q 0 0 0 rg BT 432.14 677.70 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 441.85 677.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 462.87 677.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 489.08 677.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 545.44 677.70 Td (.) 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