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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 q 0 0 0 rg BT 175.73 62.76 Td ( ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 58.32 Td (1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 55.15 Td (Percentage comparisons noted in the bullet points are calculated for the first quarter of 2018 versus the prior) Tj ET Q q 0 0 0 rg BT 317.18 55.15 Td (-year first quarter) Tj ET Q q 0 0 0 rg BT 365.87 55.15 Td (, ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 12.00 48.15 Td (unless otherwise specified. ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 41.32 Td (2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 38.15 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 82.65 38.15 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 28.15 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 2018 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 214.00 708.40 Td ($8.7 BILLION, OR $2.37 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 18.5 694.9 m 18.5 690.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 594.5 694.9 m 594.5 690.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 18.5 694.9 m 594.5 694.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 18.5 690.9 m 594.5 690.9 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 18.00 679.40 Td (FIRST) Tj ET Q q 0 0 0 rg BT 46.54 679.40 Td (-QUAR) Tj ET Q q 0 0 0 rg BT 78.96 679.40 Td (TER 2018 RESUL) Tj ET Q q 0 0 0 rg BT 156.95 679.40 Td (TS) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 169.18 683.93 Td (1) Tj ET Q 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 85.50 668.90 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 240.50 668.90 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 395.50 668.90 130.00 -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 127.75 656.32 Td (ROE 15%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 119.75 643.32 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 154.75 648.09 Td (2 ) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 160.17 643.32 Td (19%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 250.75 654.82 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 335.01 654.82 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 355.58 659.59 Td (2) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 291.05 644.82 Td (1) Tj ET Q q 1 1 1 rg BT 296.06 644.82 Td (1.8%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 418.35 654.82 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 478.16 654.82 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 492.60 659.59 Td (3,4) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 449.95 644.82 Td (97%) 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 527.00 636.40 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 19.50 623.90 71.00 -37.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 19.50 577.90 71.00 -72.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 19.50 496.90 71.00 -68.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 gs 19.50 419.90 71.00 -36.00 re f /GS0 gs 0.5176470588235295 0.29411764705882354 0.1568627450980392 rg /GS0 gs 19.50 374.90 71.00 -43.00 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 32.55 608.82 Td (Firmwide) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 36.95 596.82 Td (Metrics) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 611.64 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 104.00 615.16 Td (Reported revenue of $27.9 billion; managed revenue ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 606.16 Td (of $28.5 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 159.75 610.24 Td (2) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 589.64 cm /I2 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 593.16 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 593.16 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 172.80 597.24 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.18 593.16 Td (ex-CIB, up 8% ) Tj ET Q q 0 0 0 rg BT 233.34 593.16 Td (Y) Tj ET Q q 0 0 0 rg BT 238.94 593.16 Td (oY) Tj ET Q q 0 0 0 rg BT 249.61 593.16 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 43.65 550.42 Td (CCB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 36.70 527.88 Td (ROE 25%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 565.64 cm /I3 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 569.16 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 569.16 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 172.80 573.24 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.18 569.16 Td (up 8%; average deposits of $660 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 558.36 Td (billion, up 6%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 541.64 cm /I4 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 545.16 Td (Client investment assets of $276 billion, up 13%, with) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 536.16 Td (record net flows this quarter) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 517.64 cm /I5 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 521.16 Td (Credit card sales volume) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 193.22 525.24 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.15 521.16 Td ( up 12% and merchant ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 512.16 Td (processing volume up 15%) 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 45.85 469.42 Td (CIB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 36.70 450.88 Td (ROE 22%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 484.64 cm /I6 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 488.16 Td (Maintained #1 ranking for Global Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 479.16 Td (Banking fees with 8.1% wallet share in 1Q18) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 460.64 cm /I7 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 464.16 Td (Record Equity Markets revenue of $2.0 billion) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 438.64 cm /I8 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 442.16 Td (T) Tj ET Q q 0 0 0 rg BT 109.18 442.16 Td (reasury Services revenue, up 14%; Securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 433.16 Td (Services revenue, up 16%) 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 47.25 408.42 Td (CB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 36.70 389.88 Td (ROE 20% ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 407.64 cm /I9 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 411.16 Td (A) Tj ET Q q 0 0 0 rg BT 110.17 411.16 Td (verage loan balances of $202 billion, up 6%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 389.64 cm /I10 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 393.16 Td (Strong credit quality with 0 bps net char) Tj ET Q q 0 0 0 rg BT 248.56 393.16 Td (ge-of) Tj ET Q q 0 0 0 rg BT 267.38 393.16 Td (f rate) 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 42.25 361.92 Td (A) Tj ET Q q 1 1 1 rg BT 48.92 361.92 Td (WM) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 36.70 339.38 Td (ROE 34%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 362.64 cm /I11 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 104.00 364.26 Td (Record average loan balances of $133 billion, up 12%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 345.64 cm /I12 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 348.16 Td (Assets under management \(AUM\) of $2.0 trillion,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 337.36 Td (up 10%) Tj ET Q BT /F1 10.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 319.50 623.90 260.00 -284.00 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 319.5 623.9 m 319.5 339.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 579.5 623.9 m 579.5 339.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 623.9 m 579.5 623.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 339.9 m 579.5 339.9 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 605.76 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 322.00 596.76 Td (results:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 348.00 596.76 Td (?018 is off to a good start with our businesses performing ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 587.75 Td (well acr) Tj ET Q q 0 0 0 rg BT 350.91 587.75 Td (oss the boar) Tj ET Q q 0 0 0 rg BT 394.58 587.75 Td (d, driving str) Tj ET Q q 0 0 0 rg BT 441.00 587.75 Td (ong top-line gr) Tj ET Q q 0 0 0 rg BT 494.66 587.75 Td (owth and building on ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 578.75 Td (the momentum fr) Tj ET Q q 0 0 0 rg BT 382.66 578.75 Td (om last year) Tj ET Q q 0 0 0 rg BT 426.15 578.75 Td (. W) Tj ET Q q 0 0 0 rg BT 437.33 578.75 Td (e have been outpacing the industry on ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 569.75 Td (consumer deposit gr) Tj ET Q q 0 0 0 rg BT 395.16 569.75 Td (owth while attracting significant net new money ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 560.75 Td (and gr) Tj ET Q q 0 0 0 rg BT 345.42 560.75 Td (owing client investment assets 13%. Car) Tj ET Q q 0 0 0 rg BT 491.07 560.75 Td (d sales and mer) Tj ET Q q 0 0 0 rg BT 547.48 560.75 Td (chant ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 551.75 Td (pr) Tj ET Q q 0 0 0 rg BT 329.67 551.75 Td (ocessing volume both gr) Tj ET Q q 0 0 0 rg BT 417.07 551.75 Td (ew double digits, r) Tj ET Q q 0 0 0 rg BT 483.74 551.75 Td (eflecting our investments ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 542.75 Td (in new pr) Tj ET Q q 0 0 0 rg BT 355.67 542.75 Td (oducts and innovation focused on our customers' needs.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.07 542.75 Td (? ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 524.76 Td (Dimon added:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 379.48 524.76 Td (In the Corporate & Investment Bank we maintained ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 515.75 Td (our #1 rank in Global IB fees, including #1 in M&A) Tj ET Q q 0 0 0 rg BT 509.07 515.75 Td ( which gr) Tj ET Q q 0 0 0 rg BT 542.73 515.75 Td (ew shar) Tj ET Q q 0 0 0 rg BT 570.65 515.75 Td (e ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 506.75 Td (in every r) Tj ET Q q 0 0 0 rg BT 356.15 506.75 Td (egion. ) Tj ET Q q 0 0 0 rg BT 380.48 506.75 Td (A) Tj ET Q q 0 0 0 rg BT 385.82 506.75 Td ( str) Tj ET Q q 0 0 0 rg BT 397.24 506.75 Td (ong Markets performance was driven by r) Tj ET Q q 0 0 0 rg BT 548.38 506.75 Td (ecor) Tj ET Q q 0 0 0 rg BT 564.04 506.75 Td (d ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 497.75 Td (Equities r) Tj ET Q q 0 0 0 rg BT 356.91 497.75 Td (evenue.Our multi-year investments in T) Tj ET Q q 0 0 0 rg BT 500.88 497.75 Td (r) Tj ET Q q 0 0 0 rg BT 504.05 497.75 Td (easury Services ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 488.75 Td (and Securities Services ar) Tj ET Q q 0 0 0 rg BT 415.39 488.75 Td (e paying off, with r) Tj ET Q q 0 0 0 rg BT 483.31 488.75 Td (evenue up 14% and 16% ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 479.75 Td (in those businesses. Commer) Tj ET Q q 0 0 0 rg BT 425.66 479.75 Td (cial Banking continued to see r) Tj ET Q q 0 0 0 rg BT 537.55 479.75 Td (evenue ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 470.75 Td (gr) Tj ET Q q 0 0 0 rg BT 329.67 470.75 Td (owth driven by rates and good capital markets flows. Despite client ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 461.75 Td (sentiment r) Tj ET Q q 0 0 0 rg BT 361.91 461.75 Td (emaining high, the envir) Tj ET Q q 0 0 0 rg BT 449.56 461.75 Td (onment is intensely competitive ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 452.75 Td (and lending was flat for the quarter) Tj ET Q q 0 0 0 rg BT 449.50 452.75 Td (. Our ) Tj ET Q q 0 0 0 rg BT 470.59 452.75 Td (Asset & W) Tj ET Q q 0 0 0 rg BT 507.76 452.75 Td (ealth Management ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 443.75 Td (business deliver) Tj ET Q q 0 0 0 rg BT 379.41 443.75 Td (ed str) Tj ET Q q 0 0 0 rg BT 399.32 443.75 Td (ong r) Tj ET Q q 0 0 0 rg BT 418.24 443.75 Td (esults, with long-term net inflows this ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 434.75 Td (quarter acr) Tj ET Q q 0 0 0 rg BT 362.91 434.75 Td (oss all r) Tj ET Q q 0 0 0 rg BT 391.59 434.75 Td (egions, even as volatility r) Tj ET Q q 0 0 0 rg BT 485.98 434.75 Td (eturned to the market.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.46 434.75 Td (? ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 416.76 Td (Dimon concluded:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 394.98 416.76 Td (The global economy continues to do well, and we ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 407.75 Td (r) Tj ET Q q 0 0 0 rg BT 325.17 407.75 Td (emain optimistic about the positive impact of tax r) Tj ET Q q 0 0 0 rg BT 505.81 407.75 Td (eform in the U.S. ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 398.75 Td (as business sentiment r) Tj ET Q q 0 0 0 rg BT 404.92 398.75 Td (emains upbeat, and consumers benefit fr) Tj ET Q q 0 0 0 rg BT 550.56 398.75 Td (om job ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 389.75 Td (and wage gr) Tj ET Q q 0 0 0 rg BT 366.67 389.75 Td (owth. W) Tj ET Q q 0 0 0 rg BT 395.34 389.75 Td (e ar) Tj ET Q q 0 0 0 rg BT 409.25 389.75 Td (e committed to doing our part - and this ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 380.75 Td (company can be an engine that helps drive inclusive economic gr) Tj ET Q q 0 0 0 rg BT 557.10 380.75 Td (owth ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 371.75 Td (for all ) Tj ET Q q 0 0 0 rg BT 346.34 371.75 Td (Americans, including our $20 billion long-term investment in ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 362.75 Td (our employees and communities, and wer) Tj ET Q q 0 0 0 rg BT 474.14 362.75 Td (e working to tackle br) Tj ET Q q 0 0 0 rg BT 552.79 362.75 Td (oader ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 353.75 Td (issues, like healthcar) Tj ET Q q 0 0 0 rg BT 397.40 353.75 Td (e, that can help the whole country) Tj ET Q q 0 0 0 rg BT 519.13 353.75 Td (.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.38 353.75 Td (? 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 17.5 321.9 m 17.5 316.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 321.9 m 593.5 316.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 321.9 m 593.5 321.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 316.9 m 593.5 316.9 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 298.95 Td (SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 77.85 298.95 Td ( ITEMS) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 281.30 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 283.15 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 283.15 Td (1Q18 results included $505 million \(pretax\) mark-to-market gains related to ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 272.35 Td (the adoption of new recognition and measurement accounting guidance for ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 261.55 Td (certain equity investments previously held at cost \($0.1) Tj ET Q q 0 0 0 rg BT 228.62 261.55 Td (1 increase in ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 250.75 Td (earnings per share\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 98.47 254.83 Td (6 ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 232.35 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 232.35 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 214.70 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 216.55 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 216.55 Td (Book value per share of $67.59, up 4%; tangible 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 281.43 220.63 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.82 216.55 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 205.75 Td ($54.05, up 4%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 188.10 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 189.95 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 189.95 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 189.95 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 189.95 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 169.47 194.03 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.86 189.95 Td (of $184 billion and ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 261.35 194.03 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.27 189.95 Td ( of 1) Tj ET Q q 0 0 0 rg BT 280.44 189.95 Td (1.8% ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 172.30 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 174.15 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 174.15 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 178.23 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 174.15 Td ( of 6.5%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 155.70 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 155.70 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 138.05 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 139.90 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 139.90 Td (1Q18 reported expense of $16.1 billion; reported overhead ratio of 58%; ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 129.10 Td (1Q18 adjusted expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 113.48 133.18 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 116.40 129.10 Td ( of $16.0 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 263.12 133.18 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.51 129.10 Td (of 56%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 112.30 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 45.33 112.30 Td (AL) Tj ET Q q 0 0 0 rg BT 57.34 112.30 Td ( DISTRIBUTED) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 94.65 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 96.50 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 96.50 Td ($6.7 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 71.50 100.58 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.43 96.50 Td ( distributed to shareholders in 1Q18) Tj ET Q /GS0 gs q 6.72 0 0 9.78 27.00 78.85 cm /I19 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 33.72 80.70 Td ( ) Tj ET Q q 0 0 0 rg BT 40.50 80.70 Td ($4.7 billion of net repurchases and common dividend of $0.56 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 298.95 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 298.95 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 281.30 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 283.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 283.15 Td ($617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 283.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.25 283.15 Td (billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.76 283.15 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 436.73 287.23 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.65 283.15 Td ( raised in 1Q18) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 265.50 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 267.35 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 267.35 Td ($55 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 267.35 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 248.70 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 250.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 250.55 Td ($5 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.26 250.55 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 231.90 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 233.75 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 233.75 Td ($217 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 233.75 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 215.10 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 216.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 216.95 Td ($331 billion ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.51 216.95 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 328.50 206.15 Td (government entities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 187.50 cm /I25 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 189.35 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 189.35 Td ($9 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.26 189.35 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 328.50 178.55 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 /I26 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 Firmwide r) Tj ET Q q 0 0 0 rg BT 200.79 742.10 Td (esults of JPMor) Tj ET Q q 0 0 0 rg BT 263.74 742.10 Td (gan Chase & Co. \(JPMor) Tj ET Q q 0 0 0 rg BT 371.98 742.10 Td (gan Chase?or the Firm\), information is ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (pr) Tj ET Q q 0 0 0 rg BT 58.02 730.10 Td (esented on a managed basis, which is a non-GAAP) Tj ET Q q 0 0 0 rg BT 261.98 730.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 331.60 730.10 Td (e. The discussion below of the Firm? Tj ET Q q 0 0 0 rg BT 476.14 730.10 Td (s business segments ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (is also pr) Tj ET Q q 0 0 0 rg BT 86.36 718.10 Td (esented on a managed basis. For mor) Tj ET Q q 0 0 0 rg BT 236.81 718.10 Td (e information about managed basis, and non-GAAP) Tj ET Q q 0 0 0 rg BT 444.67 718.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 514.29 718.10 Td (es and key ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (performance measur) Tj ET Q q 0 0 0 rg BT 132.17 706.10 Td (es used by management to evaluate the performance of each line of business, see page 6.) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 688.10 Td (Comparisons noted in the sections below ar) Tj ET Q q 0 0 0 rg BT 224.68 688.10 Td (e calculated for the first quarter of 2018 versus the prior) Tj ET Q q 0 0 0 rg BT 451.68 688.10 Td (-year first quarter) Tj ET Q q 0 0 0 rg BT 522.79 688.10 Td (, unless ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 676.10 Td (otherwise specified.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 665.60 511.00 -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 52.50 657.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 650.50 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 49.50 634.10 Td (Net revenue on a reported basis was $27.9 billion, $24.5 billion, and $24.9 billion for the first quarter of 2018, fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (2017, and first quarter of 2017, respectively) Tj ET Q q 0 0 0 rg BT 224.35 622.10 Td (.) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 611.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 611.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 611.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 611.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 611.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 611.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 595.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 595.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 595.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 595.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 595.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 595.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 595.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 595.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 531.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 531.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 531.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 531.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 531.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 531.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 531.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 531.60 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 378 595.6 m 423 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 595.6 m 468 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 595.6 m 472 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 595.6 m 517 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 595.6 m 562 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 579.6 m 213 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 595.6 m 264 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 579.6 m 264 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 595.6 m 268 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 579.6 m 268 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 595.6 m 319 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 579.6 m 319 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 595.6 m 323 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 579.6 m 323 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 595.6 m 374 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 579.6 m 374 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 595.6 m 378 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 579.6 m 378 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 595.6 m 423 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 579.6 m 423 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 579.6 m 468 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 579.6 m 472 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 579.6 m 517 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 579.6 m 562 579.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 531.6 m 264 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 531.6 m 319 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 531.6 m 374 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 531.6 m 468 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 531.6 m 562 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 531.6 m 213 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 515.6 m 213 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 531.6 m 264 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 515.6 m 264 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 531.6 m 268 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 515.6 m 268 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 531.6 m 319 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 515.6 m 319 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 531.6 m 323 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 515.6 m 323 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 531.6 m 374 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 515.6 m 374 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 531.6 m 378 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 515.6 m 378 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 531.6 m 423 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 515.6 m 423 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 531.6 m 468 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 515.6 m 468 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 531.6 m 472 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 515.6 m 472 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 531.6 m 517 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 515.6 m 517 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 531.6 m 562 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 515.6 m 562 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 499.6 m 213 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 515.6 m 264 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 499.6 m 264 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 499.6 m 268 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 515.6 m 319 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 499.6 m 319 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 515.6 m 323 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 499.6 m 323 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 515.6 m 374 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 499.6 m 374 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 499.6 m 378 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 499.6 m 423 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 515.6 m 468 515.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 499.6 m 468 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 499.6 m 472 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 499.6 m 517 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 515.6 m 562 515.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 499.6 m 562 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 483.6 m 213 483.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 499.6 m 264 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 483.6 m 264 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 499.6 m 268 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 483.6 m 268 483.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 499.6 m 319 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 483.6 m 319 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 499.6 m 323 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 483.6 m 323 483.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 499.6 m 374 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 483.6 m 374 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 483.6 m 378 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 483.6 m 423 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 483.6 m 468 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 483.6 m 472 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 483.6 m 517 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 483.6 m 562 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 467.6 m 213 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 483.6 m 264 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 467.6 m 264 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 467.6 m 268 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 483.6 m 319 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 467.6 m 319 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 467.6 m 323 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 483.6 m 374 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 467.6 m 374 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 467.6 m 378 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 467.6 m 423 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 467.6 m 468 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 467.6 m 472 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 467.6 m 517 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 467.6 m 562 467.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 600.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 600.27 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 600.27 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 584.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 584.27 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 584.27 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 584.27 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 584.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 584.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 584.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 584.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 570.17 Td (Net revenue - managed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 568.27 Td (28,520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 568.27 Td (25,754) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 568.27 Td (25,850) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 568.27 Td (2,766) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 568.27 Td (1) Tj ET Q q 0 0 0 rg BT 454.15 568.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 568.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 568.27 Td (2,670) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 568.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 568.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 554.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 552.27 Td (16,080) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 552.27 Td (14,895) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 552.27 Td (15,283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 552.27 Td (1,185) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 552.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 552.27 Td (797) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 552.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 538.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 536.27 Td (1,165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 536.27 Td (1,308) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 536.27 Td (1,315) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 536.32 Td (\(143) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 536.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 536.32 Td (\(1) Tj ET Q q 0 0 0 rg BT 454.13 536.32 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 536.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 536.32 Td (\(150) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 536.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 536.32 Td (\(1) Tj ET Q q 0 0 0 rg BT 548.13 536.32 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 536.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 522.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 98.87 526.70 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 520.27 Td (8,712) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 520.27 Td (4,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 520.27 Td (6,448) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 520.27 Td (4,480) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 520.27 Td (106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 520.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 520.27 Td (2,264) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 520.27 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 520.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 506.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 504.27 Td (2.37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 504.27 Td (1.07) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 504.27 Td (1.65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 504.27 Td (1.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 504.27 Td (121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 504.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 504.27 Td (0.72) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 504.27 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 504.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 490.17 Td (Return on common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 488.27 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 488.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.15 488.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 488.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 488.27 Td (1) Tj ET Q q 0 0 0 rg BT 360.15 488.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 488.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 474.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 472.27 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.15 472.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 472.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 450.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.10 Td (Net income was $8.7 billion, an increase of 35%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.10 Td (Net revenue was $28.5 billion, up 10%. Net interest income was $13.5 billion, up 9%, driven by the impact of higher rates and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.10 Td (loan growth, partially of) Tj ET Q q 0 0 0 rg BT 146.52 402.10 Td (fset by lower Markets net interest income. Noninterest revenue was $15.1 billion, up 12%, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.10 Td (higher Markets revenue, lower Card net acquisition costs, higher auto lease income and higher management fees in ) Tj ET Q q 0 0 0 rg BT 511.85 390.10 Td (Asset & ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 378.10 Td (ealth Management \(A) Tj ET Q q 0 0 0 rg BT 148.96 378.10 Td (WM\), partially of) Tj ET Q q 0 0 0 rg BT 224.03 378.10 Td (fset by lower investment banking fees. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 360.10 Td (Noninterest expense was $16.1 billion, up 5%, driven by higher compensation expense, volume-related transaction costs in CIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.10 Td (Markets and auto lease depreciation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.10 Td (The provision for credit losses was $1.2 billion, down from $1.3 billion in the prior year) Tj ET Q q 0 0 0 rg BT 401.67 330.10 Td (. ) Tj ET Q q 0 0 0 rg BT 406.49 330.10 Td (The consumer provision reflected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.10 Td (higher net char) Tj ET Q q 0 0 0 rg BT 109.29 318.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 130.21 318.10 Td (fs in Card in the current quarter) Tj ET Q q 0 0 0 rg BT 255.87 318.10 Td (, in line with expectations. ) Tj ET Q q 0 0 0 rg BT 363.72 318.10 Td (The prior year included a write-down of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.10 Td (student loan portfolio which was sold in 2017. In ) Tj ET Q q 0 0 0 rg BT 248.19 306.10 Td (Wholesale, the provision for credit losses was a benefit, reflecting net reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.10 Td (releases of $170 million in the current quarter) Tj ET Q q 0 0 0 rg BT 232.09 294.10 Td (, driven by a reserve release in the Oil & Gas portfolio related to a single name.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 276.10 Td (Income tax expense decreased by approximately $240 million despite a $2.0 billion increase in pre-tax income, reflecting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 264.10 Td (lower income tax rate as a result of the enactment of the ) Tj ET Q q 0 0 0 rg BT 275.89 264.10 Td (T) Tj ET Q q 0 0 0 rg BT 281.30 264.10 Td (ax Cuts & Jobs ) Tj ET Q q 0 0 0 rg BT 344.09 264.10 Td (Act \(TCJA\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 400.46 268.63 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.71 264.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.10 Td (In the first quarter of 2018, JPMor) Tj ET Q q 0 0 0 rg BT 186.79 246.10 Td (gan Chase also adopted new accounting guidance on revenue recognition) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 479.75 250.63 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.00 246.10 Td (, which resulted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.10 Td (revenue and expense increasing by $313 million in the current quarter) Tj ET Q q 0 0 0 rg BT 329.00 234.10 Td (, predominantly in ) Tj ET Q q 0 0 0 rg BT 404.55 234.10 Td (A) Tj ET Q q 0 0 0 rg BT 410.97 234.10 Td (WM and the remainder in CIB; net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.10 Td (income was not impacted. Prior periods have been revised accordingly) Tj ET Q q 0 0 0 rg BT 331.54 222.10 Td (.) 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 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 746.50 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 738.85 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 731.40 Td (CONSUMER & COMMUNITY) Tj ET Q q 1 1 1 rg BT 203.64 731.40 Td ( BANKING \(CCB\)) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 716.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 701.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 422.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 516.50 701.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 49.50 596.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 230.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 275.50 596.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 279.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 324.50 596.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 328.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 373.50 596.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 377.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 422.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 467.50 596.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 471.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 516.50 596.50 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 377.5 701.5 m 422.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 701.5 m 467.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 701.5 m 471.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 701.5 m 516.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 701.5 m 561.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 686.5 m 230.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 686.5 m 275.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 686.5 m 279.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 686.5 m 324.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 686.5 m 328.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 686.5 m 373.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 686.5 m 377.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 686.5 m 422.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 686.5 m 467.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 686.5 m 471.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 686.5 m 516.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 686.5 m 275.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 686.5 m 324.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 686.5 m 373.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 686.5 m 467.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 686.5 m 471.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 686.5 m 516.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 686.5 m 561.5 686.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 596.5 m 275.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 596.5 m 324.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 596.5 m 373.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 596.5 m 467.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 596.5 m 561.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 596.5 m 230.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 581.5 m 230.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 596.5 m 275.5 596.5 l 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328.5 596.5 m 373.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 581.5 m 373.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 596.5 m 377.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 581.5 m 377.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 596.5 m 422.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 581.5 m 422.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 596.5 m 467.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 581.5 m 467.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 596.5 m 471.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 581.5 m 471.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 596.5 m 516.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 581.5 m 516.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 596.5 m 561.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 581.5 m 561.5 581.5 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 52.00 706.17 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.85 706.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.85 706.17 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 691.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.35 691.17 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.35 691.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.35 691.17 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.10 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 677.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 676.17 Td (12,597) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.10 676.17 Td (12,070) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.10 676.17 Td (10,970) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 676.17 Td (527) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 676.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.15 676.17 Td (1,627) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 676.17 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 662.07 Td (Consumer & Business Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 661.17 Td (5,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 661.17 Td (5,557) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 661.17 Td (4,906) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 661.17 Td (165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 661.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 661.17 Td (816) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 661.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 647.07 Td (Home Lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 646.17 Td (1,509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 646.17 Td (1,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 646.17 Td (1,529) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 646.17 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 646.17 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.30 646.22 Td (\(20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 646.22 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 632.07 Td (Card, Merchant Services & ) Tj ET Q q 0 0 0 rg BT 169.36 632.07 Td (Auto) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 631.17 Td (5,366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 631.17 Td (5,071) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 631.17 Td (4,535) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 631.17 Td (295) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 631.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 631.17 Td (831) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 631.17 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 617.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 616.17 Td (6,909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 616.17 Td (6,672) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 616.17 Td (6,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 616.17 Td (237) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 616.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 616.17 Td (514) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 616.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 602.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 601.17 Td (1,317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 601.17 Td (1,231) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 601.17 Td (1,430) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 601.17 Td (86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 601.17 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 601.22 Td (\(1) Tj ET Q q 0 0 0 rg BT 502.63 601.22 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 601.22 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 587.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 586.17 Td (3,326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 586.17 Td (2,631) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 586.17 Td (1,988) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 586.17 Td (695) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 586.17 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 586.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.15 586.17 Td (1,338) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 586.17 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 586.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 564.00 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 564.00 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 564.00 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 552.00 Td (Net income was $3.3 billion, an increase of 67%. Net revenue was $12.6 billion, an increase of 15%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.00 Td (Consumer & Business Banking net revenue was $5.7 billion, up 17%, predominantly driven by higher net interest income as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.00 Td (result of higher deposit mar) Tj ET Q q 0 0 0 rg BT 159.85 522.00 Td (gins and growth. Home Lending net revenue was $1.5 billion, down 1%, driven by portfolio loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.00 Td (spread and production mar) Tj ET Q q 0 0 0 rg BT 156.23 510.00 Td (gin compression, predominantly of) Tj ET Q q 0 0 0 rg BT 296.02 510.00 Td (fset by higher net servicing revenue. Card, Merchant Services & ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.00 Td (Auto net revenue was $5.4 billion, up 18%, driven by lower Card net acquisition costs, higher Card net interest income on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.00 Td (mar) Tj ET Q q 0 0 0 rg BT 64.87 486.00 Td (gin expansion and loan growth, and higher auto lease volumes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 468.00 Td (Noninterest expense was $6.9 billion, up 8%, predominantly driven by investments in technology and marketing, higher auto ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 456.00 Td (lease depreciation, and continued business growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.00 Td (The provision for credit losses was $1.3 billion, a decrease of $1) Tj ET Q q 0 0 0 rg BT 307.12 438.00 Td (13 million, driven by the $218 million write-down in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.00 Td (connection with the sale of the student loan portfolio in the prior year) Tj ET Q q 0 0 0 rg BT 326.80 426.00 Td (, and lower net char) Tj ET Q q 0 0 0 rg BT 405.75 426.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 426.67 426.00 Td (fs in Home Lending in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.00 Td (current quarter) Tj ET Q q 0 0 0 rg BT 108.23 414.00 Td (, lar) Tj ET Q q 0 0 0 rg BT 123.60 414.00 Td (gely of) Tj ET Q q 0 0 0 rg BT 151.46 414.00 Td (fset by higher net char) Tj ET Q q 0 0 0 rg BT 240.69 414.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 261.61 414.00 Td (fs in Card, in line with expectations.) Tj ET Q BT /F1 10.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 397.50 511.00 -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 52.50 389.85 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 382.40 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 382.40 Td (TE & INVESTMENT) Tj ET Q q 1 1 1 rg BT 210.39 382.40 Td ( 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 50.00 367.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 367.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 367.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 367.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 367.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 367.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 367.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 367.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 367.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 367.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 352.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 352.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 352.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 352.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 352.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 352.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 352.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 352.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 352.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 352.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 352.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 352.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 262.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 262.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 262.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 262.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 262.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 262.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 262.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 262.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 262.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 262.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 262.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 262.50 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 378 352.5 m 423 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 352.5 m 468 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 352.5 m 472 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 352.5 m 517 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 352.5 m 562 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 337.5 m 231 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 337.5 m 276 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 337.5 m 280 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 337.5 m 325 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 337.5 m 329 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 337.5 m 374 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 337.5 m 378 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 337.5 m 423 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 337.5 m 468 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 337.5 m 472 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 337.5 m 517 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 337.5 m 562 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 337.5 m 276 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 337.5 m 280 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 337.5 m 325 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 337.5 m 329 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 337.5 m 374 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 337.5 m 378 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 337.5 m 423 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 337.5 m 468 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 337.5 m 472 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 337.5 m 517 337.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 337.5 m 562 337.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 262.5 m 231 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 247.5 m 231 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 262.5 m 276 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 247.5 m 276 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 262.5 m 280 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 247.5 m 280 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 262.5 m 325 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 247.5 m 325 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 262.5 m 329 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 247.5 m 329 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 262.5 m 374 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 247.5 m 374 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 262.5 m 378 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 247.5 m 378 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 262.5 m 423 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 247.5 m 423 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 262.5 m 468 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 247.5 m 468 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 262.5 m 472 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 247.5 m 472 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 262.5 m 517 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 247.5 m 517 247.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 262.5 m 562 262.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 247.5 m 562 247.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 357.17 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 357.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 357.17 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 342.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 342.17 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 342.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 342.17 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 342.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 342.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 342.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 342.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 328.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 327.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 327.17 Td (10,483) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 327.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 327.17 Td (7,518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 327.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 327.17 Td (9,599) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 327.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 327.17 Td (2,965) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 327.17 Td (39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 327.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 327.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 327.17 Td (884) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 327.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 327.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 313.07 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 312.17 Td (3,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 312.17 Td (3,091) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 312.17 Td (3,084) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 312.22 Td (\(86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 312.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 312.22 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 312.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 312.22 Td (\(79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 312.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 312.22 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 312.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 298.07 Td (Markets & Investor Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 297.17 Td (7,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 297.17 Td (4,427) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 297.17 Td (6,515) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 297.17 Td (3,051) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 297.17 Td (69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 297.17 Td (963) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 297.17 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 283.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 282.17 Td (5,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 282.17 Td (4,553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 282.17 Td (5,184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 282.17 Td (1,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 282.17 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 282.17 Td (475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 282.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 268.07 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 267.17 Td (\(158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 267.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 267.17 Td (130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 267.22 Td (\(96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 267.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 267.22 Td (\(288) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 267.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 267.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 267.22 Td (\(62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 267.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 267.22 Td (\(65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 267.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 253.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 252.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 252.17 Td (3,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 252.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 252.17 Td (2,316) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 252.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 252.17 Td (3,241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 252.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 252.17 Td (1,658) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 252.17 Td (72) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 252.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 252.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 252.17 Td (733) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 252.17 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 252.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 230.00 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 211.50 Td (Net income was $4.0 billion, an increase of 23%. Net revenue was $10.5 billion, up 9%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 193.00 Td (Banking revenue was $3.0 billion, down 3%. Investment Banking revenue was $1.6 billion, down 7%, driven by lower debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 181.00 Td (and equity underwriting fees, which were partially of) Tj ET Q q 0 0 0 rg BT 262.02 181.00 Td (fset by higher advisory fees. ) Tj ET Q q 0 0 0 rg BT 377.37 181.00 Td (The business continued to rank #1 in Global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 169.00 Td (Investment Banking fees. ) Tj ET Q q 0 0 0 rg BT 153.74 169.00 Td (T) Tj ET Q q 0 0 0 rg BT 159.50 169.00 Td (reasury Services revenue was $1.1 billion, up 14%, predominantly driven by higher interest rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 157.00 Td (and growth in operating deposits. Lending revenue was $302 million, down 22%, predominantly driven by prior) Tj ET Q q 0 0 0 rg BT 498.66 157.00 Td (-year gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 145.00 Td (on securities received from restructurings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 127.00 Td (Markets & Investor Services revenue was $7.5 billion, up 15%, driven by higher Markets revenue, which included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 115.00 Td (approximately $500 million of mark-to-market gains on certain equity investments previously held at cost) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 473.57 119.53 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.82 115.00 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 103.00 Td (approximately $150 million reduction in tax-equivalent adjustments as a result of the enactment of the ) Tj ET Q q 0 0 0 rg BT 461.15 103.00 Td (TCJA. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 91.00 Td (impact of these items, Markets revenue was up 7% with strong growth in Equity Markets, and Fixed Income Markets flat. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 79.00 Td (Equity Markets revenue was $2.0 billion, up 25%, driven by strong performance across products, predominantly in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 67.00 Td (derivatives and Prime Services. Fixed Income Markets revenue reflected strong performance in Currencies & Emer) Tj ET Q q 0 0 0 rg BT 511.09 67.00 Td (ging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 55.00 Td (Markets and Commodities, of) Tj ET Q q 0 0 0 rg BT 168.75 55.00 Td (fset by lower client activity in Rates and Credit. Securities Services revenue was $1.1 billion, ) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 740.10 Td (up 16%, driven by higher interest rates and deposit growth, as well as higher asset-based fees driven by net client inflows and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (improving market levels.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.10 Td (Noninterest expense was $5.7 billion, up 9%, lar) Tj ET Q q 0 0 0 rg BT 243.72 710.10 Td (gely driven by higher compensation and volume-related transaction costs in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.10 Td (Markets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 679.90 Td (The provision for credit losses was a benefit of $158 million, driven by a reserve release in the Oil & Gas portfolio related to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 667.90 Td (single name. ) Tj ET Q q 0 0 0 rg BT 102.36 667.90 Td (The prior year was a benefit of $96 million primarily driven by releases in the Oil & Gas portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.53 667.90 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 651.40 511.00 -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 52.50 636.30 Td (COMMERCIAL) Tj ET Q q 1 1 1 rg BT 131.94 636.30 Td ( 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 50.00 621.40 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 621.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 621.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 621.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 621.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 621.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 621.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 621.40 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 621.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 621.40 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 606.40 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 606.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 606.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 606.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 606.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 606.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 606.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 606.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 606.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 606.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 606.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 606.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 546.40 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 546.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 546.40 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 546.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 546.40 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 546.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 546.40 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 546.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 546.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 546.40 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 546.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 546.40 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 378 606.4 m 423 606.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 606.4 m 468 606.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 606.4 m 472 606.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 606.4 m 517 606.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 606.4 m 562 606.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 591.4 m 231 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 591.4 m 276 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 591.4 m 280 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 591.4 m 325 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 591.4 m 329 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 591.4 m 374 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 591.4 m 378 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 591.4 m 423 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 591.4 m 468 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 591.4 m 472 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 591.4 m 517 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 591.4 m 562 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 591.4 m 276 591.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 546.4 m 231 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 531.4 m 231 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 546.4 m 276 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 531.4 m 276 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 546.4 m 280 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 531.4 m 280 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 546.4 m 325 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 531.4 m 325 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 546.4 m 329 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 531.4 m 329 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 546.4 m 374 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 531.4 m 374 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 546.4 m 378 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 531.4 m 378 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 546.4 m 423 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 531.4 m 423 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 546.4 m 468 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 531.4 m 468 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 546.4 m 472 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 531.4 m 472 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 546.4 m 517 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 531.4 m 517 531.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 546.4 m 562 546.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 531.4 m 562 531.4 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 611.07 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 611.07 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 611.07 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 596.07 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 596.07 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 596.07 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 596.07 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 596.07 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 596.07 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 596.07 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 596.07 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 581.97 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 581.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 581.07 Td (2,166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 581.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 581.07 Td (2,353) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 581.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 581.07 Td (2,018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 581.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 581.12 Td (\(187) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 581.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 581.07 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 581.07 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 581.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 581.07 Td (148) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 581.07 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 581.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 566.97 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 566.07 Td (844) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 566.07 Td (912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 566.07 Td (825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 566.12 Td (\(68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 566.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 566.07 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 566.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 566.07 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 566.07 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 551.97 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.80 551.07 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 551.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 551.12 Td (\(62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 551.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 551.12 Td (\(37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 551.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 551.07 Td (57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 551.07 Td (92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 551.07 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 551.07 Td (86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 536.97 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 536.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 536.07 Td (1,025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 536.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 536.07 Td (957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 536.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 536.07 Td (799) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 536.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 536.07 Td (68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 536.07 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 536.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 536.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 536.07 Td (226) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 536.07 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 536.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 513.90 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 513.90 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 513.90 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 495.90 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 495.90 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 495.90 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 136.42 495.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 495.90 Td (an ) Tj ET Q q 0 0 0 rg BT 179.48 495.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.73 495.90 Td (of ) Tj ET Q q 0 0 0 rg BT 225.56 495.90 Td (28%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 477.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.20 477.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.10 477.90 Td (was ) Tj ET Q q 0 0 0 rg BT 117.91 477.90 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 137.67 477.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 168.54 477.90 Td (up ) Tj ET Q q 0 0 0 rg BT 180.79 477.90 Td (7%, ) Tj ET Q q 0 0 0 rg BT 198.88 477.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 226.68 477.90 Td (by ) Tj ET Q q 0 0 0 rg BT 238.94 477.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 266.75 477.90 Td (net ) Tj ET Q q 0 0 0 rg BT 281.22 477.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 312.91 477.90 Td (income ) Tj ET Q q 0 0 0 rg BT 344.60 477.90 Td (due ) Tj ET Q q 0 0 0 rg BT 361.30 477.90 Td (to ) Tj ET Q q 0 0 0 rg BT 371.33 477.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 399.14 477.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 430.28 477.90 Td (mar) Tj ET Q q 0 0 0 rg BT 445.65 477.90 Td (gins, ) Tj ET Q q 0 0 0 rg BT 467.08 477.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 502.65 477.90 Td (of) Tj ET Q q 0 0 0 rg BT 510.80 477.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 527.50 477.90 Td (by ) Tj ET Q q 0 0 0 rg BT 539.76 477.90 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 465.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 95.88 465.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 130.60 465.90 Td (revenue. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 97.56 447.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 131.17 447.90 Td (was ) Tj ET Q q 0 0 0 rg BT 148.13 447.90 Td ($844 ) Tj ET Q q 0 0 0 rg BT 169.54 447.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 202.33 447.90 Td (up ) Tj ET Q q 0 0 0 rg BT 213.74 447.90 Td (2%. ) Tj ET Q q 0 0 0 rg BT 230.97 447.90 Td ( ) Tj ET Q q 0 0 0 rg BT 232.38 447.90 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 274.89 447.90 Td (the ) Tj ET Q q 0 0 0 rg BT 288.51 447.90 Td (impairment ) Tj ET Q q 0 0 0 rg BT 336.01 447.90 Td (of ) Tj ET Q q 0 0 0 rg BT 345.75 447.90 Td (leased ) Tj ET Q q 0 0 0 rg BT 372.14 447.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 396.87 447.90 Td (in ) Tj ET Q q 0 0 0 rg BT 406.06 447.90 Td (the ) Tj ET Q q 0 0 0 rg BT 419.68 447.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.52 447.90 Td (year ) Tj ET Q q 0 0 0 rg BT 459.14 447.90 Td (of ) Tj ET Q q 0 0 0 rg BT 468.87 447.90 Td ($29 ) Tj ET Q q 0 0 0 rg BT 485.28 447.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 518.07 447.90 Td (noninterest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.47 435.90 Td (would ) Tj ET Q q 0 0 0 rg BT 112.23 435.90 Td (have ) Tj ET Q q 0 0 0 rg BT 133.87 435.90 Td (been ) Tj ET Q q 0 0 0 rg BT 155.51 435.90 Td (up ) Tj ET Q q 0 0 0 rg BT 168.27 435.90 Td (6%, ) Tj ET Q q 0 0 0 rg BT 186.86 435.90 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 247.94 435.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 276.25 435.90 Td (by ) Tj ET Q q 0 0 0 rg BT 289.01 435.90 Td (the ) Tj ET Q q 0 0 0 rg BT 303.99 435.90 Td (hiring ) Tj ET Q q 0 0 0 rg BT 330.64 435.90 Td (of ) Tj ET Q q 0 0 0 rg BT 341.73 435.90 Td (bankers, ) Tj ET Q q 0 0 0 rg BT 378.09 435.90 Td (business-related ) Tj ET Q q 0 0 0 rg BT 445.27 435.90 Td (support ) Tj ET Q q 0 0 0 rg BT 478.03 435.90 Td (staf) Tj ET Q q 0 0 0 rg BT 492.29 435.90 Td (f, ) Tj ET Q q 0 0 0 rg BT 500.88 435.90 Td (and ) Tj ET Q q 0 0 0 rg BT 518.08 435.90 Td (technology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.90 Td (investments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 405.90 Td (The ) Tj ET Q q 0 0 0 rg BT 67.75 405.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.23 405.90 Td (for ) Tj ET Q q 0 0 0 rg BT 122.59 405.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.05 405.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 174.64 405.90 Td (was ) Tj ET Q q 0 0 0 rg BT 192.89 405.90 Td (a ) Tj ET Q q 0 0 0 rg BT 200.03 405.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 230.50 405.90 Td (of ) Tj ET Q q 0 0 0 rg BT 241.53 405.90 Td ($5 ) Tj ET Q q 0 0 0 rg BT 254.23 405.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 288.32 405.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 329.33 405.90 Td (strong ) Tj ET Q q 0 0 0 rg BT 357.03 405.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 382.49 405.90 Td (performance. ) Tj ET Q q 0 0 0 rg BT 438.02 405.90 Td (The ) Tj ET Q q 0 0 0 rg BT 456.27 405.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 478.41 405.90 Td (year ) Tj ET Q q 0 0 0 rg BT 498.31 405.90 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.57 405.90 Td (a ) Tj ET Q q 0 0 0 rg BT 523.70 405.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 554.17 405.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 393.90 Td ($37 ) Tj ET Q q 0 0 0 rg BT 66.39 393.90 Td (million ) Tj ET Q q 0 0 0 rg BT 97.18 393.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 124.62 393.90 Td (by ) Tj ET Q q 0 0 0 rg BT 136.52 393.90 Td (reserve ) Tj ET Q q 0 0 0 rg BT 167.28 393.90 Td (releases ) Tj ET Q q 0 0 0 rg BT 200.82 393.90 Td (in ) Tj ET Q q 0 0 0 rg BT 210.49 393.90 Td (the ) Tj ET Q q 0 0 0 rg BT 224.60 393.90 Td (Oil ) Tj ET Q q 0 0 0 rg BT 239.28 393.90 Td (& ) Tj ET Q q 0 0 0 rg BT 248.95 393.90 Td (Gas ) Tj ET Q q 0 0 0 rg BT 266.39 393.90 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 305.78 393.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 341.00 393.90 Td (of) Tj ET Q q 0 0 0 rg BT 349.15 393.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 365.48 393.90 Td (by ) Tj ET Q q 0 0 0 rg BT 377.38 393.90 Td (a ) Tj ET Q q 0 0 0 rg BT 383.71 393.90 Td (reserve ) Tj ET Q q 0 0 0 rg BT 414.47 393.90 Td (build ) Tj ET Q q 0 0 0 rg BT 436.92 393.90 Td (due ) Tj ET Q q 0 0 0 rg BT 453.25 393.90 Td (to ) Tj ET Q q 0 0 0 rg BT 462.93 393.90 Td (select ) Tj ET Q q 0 0 0 rg BT 487.59 393.90 Td (client ) Tj ET Q q 0 0 0 rg BT 511.69 393.90 Td (downgrades. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 377.40 511.00 -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 52.50 369.75 221.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 362.30 Td (ASSET) Tj ET Q q 1 1 1 rg BT 87.15 362.30 Td ( & ) Tj ET Q q 1 1 1 rg BT 101.62 362.30 Td (WEAL) Tj ET Q q 1 1 1 rg BT 134.23 362.30 Td (TH MANAGEMENT) Tj ET Q q 1 1 1 rg BT 235.78 362.30 Td ( \(A) Tj ET Q q 1 1 1 rg BT 248.92 362.30 Td (WM\)) 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 50.00 347.40 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 347.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 347.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 347.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 347.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 347.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 347.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 347.40 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 347.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 347.40 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 332.40 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 332.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 332.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 332.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 332.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 332.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 332.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 332.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 332.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 332.40 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 332.40 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 332.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 272.40 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 272.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 272.40 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 272.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 272.40 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 272.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 272.40 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 272.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 272.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 272.40 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 272.40 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 272.40 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 378 332.4 m 423 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 332.4 m 468 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 332.4 m 472 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 332.4 m 517 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 332.4 m 562 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 317.4 m 231 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 317.4 m 276 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 317.4 m 280 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 317.4 m 325 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 317.4 m 329 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 317.4 m 374 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 317.4 m 378 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 317.4 m 423 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 317.4 m 468 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 317.4 m 472 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 317.4 m 517 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 317.4 m 562 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 317.4 m 276 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 317.4 m 325 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 317.4 m 374 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 317.4 m 468 317.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 317.4 m 562 317.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 272.4 m 276 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 272.4 m 325 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 272.4 m 374 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 272.4 m 468 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 272.4 m 562 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 272.4 m 231 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 257.4 m 231 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 272.4 m 276 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 257.4 m 276 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 272.4 m 280 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 257.4 m 280 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 272.4 m 325 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 257.4 m 325 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 272.4 m 329 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 257.4 m 329 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 272.4 m 374 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 257.4 m 374 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 272.4 m 378 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 257.4 m 378 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 272.4 m 423 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 257.4 m 423 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 272.4 m 468 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 257.4 m 468 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 272.4 m 472 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 257.4 m 472 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 272.4 m 517 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 257.4 m 517 257.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 272.4 m 562 272.4 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 257.4 m 562 257.4 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 337.07 Td (Results for ) Tj ET Q q 0 0 0 rg BT 98.33 337.07 Td (A) Tj ET Q q 0 0 0 rg BT 104.88 337.07 Td (WM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 337.07 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 337.07 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 322.07 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 322.07 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 322.07 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 322.07 Td (1Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 322.07 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 322.07 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 322.07 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 322.07 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 307.97 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 307.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 307.07 Td (3,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 307.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 307.07 Td (3,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 307.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 307.07 Td (3,288) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 307.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 307.12 Td (\(132) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 307.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 307.07 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 307.07 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 307.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 307.07 Td (218) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 307.07 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 307.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 292.97 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 292.07 Td (2,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 292.07 Td (2,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 292.07 Td (2,781) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 292.12 Td (\(31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 292.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 292.07 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 292.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 292.12 Td (\(200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 292.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 292.12 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 292.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 277.97 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 277.07 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 277.07 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 277.07 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 277.07 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 277.07 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.80 277.12 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 277.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 277.12 Td (\(17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 277.07 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 262.97 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 262.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 262.07 Td (770) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 262.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 262.07 Td (654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 262.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 262.07 Td (385) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 262.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 262.07 Td (1) Tj ET Q q 0 0 0 rg BT 409.15 262.07 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 262.07 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 262.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 262.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 262.07 Td (385) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.15 262.07 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 262.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 239.90 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 239.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 222.90 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 222.90 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 222.90 Td ($770 ) Tj ET Q q 0 0 0 rg BT 138.92 222.90 Td (million.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 205.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.58 205.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.87 205.90 Td (was ) Tj ET Q q 0 0 0 rg BT 119.07 205.90 Td ($3.5 ) Tj ET Q q 0 0 0 rg BT 139.21 205.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 170.47 205.90 Td (an ) Tj ET Q q 0 0 0 rg BT 182.55 205.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 217.95 205.90 Td (of ) Tj ET Q q 0 0 0 rg BT 228.92 205.90 Td (7%, ) Tj ET Q q 0 0 0 rg BT 247.40 205.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 275.59 205.90 Td (by ) Tj ET Q q 0 0 0 rg BT 288.23 205.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 316.42 205.90 Td (management ) Tj ET Q q 0 0 0 rg BT 370.16 205.90 Td (fees ) Tj ET Q q 0 0 0 rg BT 388.90 205.90 Td (on ) Tj ET Q q 0 0 0 rg BT 401.54 205.90 Td (growth ) Tj ET Q q 0 0 0 rg BT 432.52 205.90 Td (in ) Tj ET Q q 0 0 0 rg BT 442.94 205.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 468.91 205.90 Td (under ) Tj ET Q q 0 0 0 rg BT 494.33 205.90 Td (management ) Tj ET Q q 0 0 0 rg BT 548.06 205.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 193.90 Td (strong ) Tj ET Q q 0 0 0 rg BT 77.00 193.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 111.72 193.90 Td (results ) Tj ET Q q 0 0 0 rg BT 140.33 193.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 168.37 193.90 Td (by ) Tj ET Q q 0 0 0 rg BT 180.87 193.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 208.92 193.90 Td (net ) Tj ET Q q 0 0 0 rg BT 223.64 193.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 255.57 193.90 Td (income ) Tj ET Q q 0 0 0 rg BT 287.50 193.90 Td (from ) Tj ET Q q 0 0 0 rg BT 309.44 193.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 340.83 193.90 Td (mar) Tj ET Q q 0 0 0 rg BT 356.19 193.90 Td (gin ) Tj ET Q q 0 0 0 rg BT 371.47 193.90 Td (expansion ) Tj ET Q q 0 0 0 rg BT 414.52 193.90 Td (and ) Tj ET Q q 0 0 0 rg BT 431.46 193.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 451.17 193.90 Td (growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 176.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.70 176.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.45 176.90 Td (was ) Tj ET Q q 0 0 0 rg BT 151.55 176.90 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 171.60 176.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.75 176.90 Td (a ) Tj ET Q q 0 0 0 rg BT 209.74 176.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.70 176.90 Td (of ) Tj ET Q q 0 0 0 rg BT 257.57 176.90 Td (7%, ) Tj ET Q q 0 0 0 rg BT 275.95 176.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 304.04 176.90 Td (by ) Tj ET Q q 0 0 0 rg BT 316.59 176.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 341.90 176.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 363.88 176.90 Td (expense, ) Tj ET Q q 0 0 0 rg BT 401.13 176.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 437.00 176.90 Td (of) Tj ET Q q 0 0 0 rg BT 445.15 176.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 462.13 176.90 Td (by ) Tj ET Q q 0 0 0 rg BT 474.68 176.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 502.77 176.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 536.96 176.90 Td (driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 164.90 Td (external ) Tj ET Q q 0 0 0 rg BT 84.20 164.90 Td (fees ) Tj ET Q q 0 0 0 rg BT 102.80 164.90 Td (and ) Tj ET Q q 0 0 0 rg BT 119.74 164.90 Td (compensation ) Tj ET Q q 0 0 0 rg BT 177.78 164.90 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.90 Td (Assets ) Tj ET Q q 0 0 0 rg BT 78.82 147.90 Td (under ) Tj ET Q q 0 0 0 rg BT 104.80 147.90 Td (management ) Tj ET Q q 0 0 0 rg BT 159.09 147.90 Td (were ) Tj ET Q q 0 0 0 rg BT 181.73 147.90 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 202.43 147.90 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 235.36 147.90 Td (up ) Tj ET Q q 0 0 0 rg BT 248.57 147.90 Td (10%, ) Tj ET Q q 0 0 0 rg BT 272.61 147.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 314.13 147.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 342.88 147.90 Td (market ) Tj ET Q q 0 0 0 rg BT 373.85 147.90 Td (levels ) Tj ET Q q 0 0 0 rg BT 400.38 147.90 Td (and ) Tj ET Q q 0 0 0 rg BT 418.03 147.90 Td (net ) Tj ET Q q 0 0 0 rg BT 433.45 147.90 Td (inflows ) Tj ET Q q 0 0 0 rg BT 466.66 147.90 Td (into ) Tj ET Q q 0 0 0 rg BT 485.42 147.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 528.06 147.90 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 85.32 135.90 Td (of) Tj ET Q q 0 0 0 rg BT 93.47 135.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 110.41 135.90 Td (by ) Tj ET Q q 0 0 0 rg BT 122.91 135.90 Td (outflows ) Tj ET Q q 0 0 0 rg BT 160.41 135.90 Td (from ) Tj ET Q q 0 0 0 rg BT 182.35 135.90 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 218.74 135.90 Td (products.) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 691.17 Td (O/\(U\)?) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 646.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 646.22 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 646.17 Td (\)) 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 504.80 646.22 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 646.17 Td (\)) 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/\(loss\)) 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 253.80 631.17 Td (\(383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 631.17 Td (\)) 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 295.30 631.22 Td (\(2,326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 631.17 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 631.17 Td (1,943) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 631.17 Td (84) 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 494.80 631.22 Td (\(418) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 631.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 609.00 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 592.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 592.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 84.50 592.00 Td (was ) Tj ET Q q 0 0 0 rg BT 102.55 592.00 Td ($383 ) Tj ET Q q 0 0 0 rg BT 125.05 592.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 158.94 592.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 200.87 592.00 Td (with ) Tj ET Q q 0 0 0 rg BT 221.15 592.00 Td (net ) Tj ET Q q 0 0 0 rg BT 235.86 592.00 Td (income ) Tj ET Q q 0 0 0 rg BT 267.80 592.00 Td (of ) Tj ET Q q 0 0 0 rg BT 278.63 592.00 Td ($35 ) Tj ET Q q 0 0 0 rg BT 296.13 592.00 Td (million ) Tj ET Q q 0 0 0 rg BT 327.52 592.00 Td (in ) Tj ET Q q 0 0 0 rg BT 337.80 592.00 Td (the ) Tj ET Q q 0 0 0 rg BT 352.51 592.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 374.45 592.00 Td (year) Tj ET Q q 0 0 0 rg BT 391.11 592.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 575.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.25 575.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.21 575.00 Td (was ) Tj ET Q q 0 0 0 rg BT 118.07 575.00 Td (a ) Tj ET Q q 0 0 0 rg BT 124.82 575.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 142.70 575.00 Td (of ) Tj ET Q q 0 0 0 rg BT 153.34 575.00 Td ($232 ) Tj ET Q q 0 0 0 rg BT 175.65 575.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 209.35 575.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 248.88 575.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 276.74 575.00 Td (by ) Tj ET Q q 0 0 0 rg BT 289.05 575.00 Td ($245 ) Tj ET Q q 0 0 0 rg BT 311.36 575.00 Td (million ) Tj ET Q q 0 0 0 rg BT 342.56 575.00 Td (of ) Tj ET Q q 0 0 0 rg BT 353.21 575.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 399.40 575.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 439.48 575.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 465.68 575.00 Td (and ) Tj ET Q q 0 0 0 rg BT 482.43 575.00 Td (approximately ) Tj ET Q q 0 0 0 rg BT 542.50 575.00 Td ($130 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.00 Td (million ) Tj ET Q q 0 0 0 rg BT 80.89 563.00 Td (\(pretax\) ) Tj ET Q q 0 0 0 rg BT 115.04 563.00 Td (of ) Tj ET Q q 0 0 0 rg BT 125.87 563.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 152.26 563.00 Td (on ) Tj ET Q q 0 0 0 rg BT 164.76 563.00 Td (legacy ) Tj ET Q q 0 0 0 rg BT 193.35 563.00 Td (Private ) Tj ET Q q 0 0 0 rg BT 224.18 563.00 Td (Equity ) Tj ET Q q 0 0 0 rg BT 253.34 563.00 Td (investments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.00 Td (Income ) Tj ET Q q 0 0 0 rg BT 81.99 546.00 Td (tax ) Tj ET Q q 0 0 0 rg BT 96.70 546.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 131.41 546.00 Td (was ) Tj ET Q q 0 0 0 rg BT 149.46 546.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 177.51 546.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 217.22 546.00 Td (due ) Tj ET Q q 0 0 0 rg BT 234.16 546.00 Td (to ) Tj ET Q q 0 0 0 rg BT 244.44 546.00 Td (tax ) Tj ET Q q 0 0 0 rg BT 259.15 546.00 Td (adjustments.) 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 77.96 698.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.87 698.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.78 698.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.78 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.13 698.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 200.35 698.25 Td (s ) Tj ET Q q 0 0 0 rg BT 206.38 698.25 Td (results ) Tj ET Q q 0 0 0 rg BT 234.62 698.25 Td (on ) Tj ET Q q 0 0 0 rg BT 246.75 698.25 Td (a ) Tj ET Q q 0 0 0 rg BT 253.32 698.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 288.76 698.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 313.40 698.25 Td (management ) Tj ET Q q 0 0 0 rg BT 366.62 698.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 399.85 698.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 440.86 698.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.60 698.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.51 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.86 698.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 90.46 686.25 Td (on ) Tj ET Q q 0 0 0 rg BT 102.59 686.25 Td (a ) Tj ET Q q 0 0 0 rg BT 109.16 686.25 Td (managed?) Tj ET Q q 0 0 0 rg BT 156.26 686.25 Td (basis; ) Tj ET Q q 0 0 0 rg BT 181.17 686.25 Td (these ) Tj ET Q q 0 0 0 rg BT 203.85 686.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 244.87 686.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 283.09 686.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 305.22 686.25 Td (results ) Tj ET Q q 0 0 0 rg BT 333.46 686.25 Td (are ) Tj ET Q q 0 0 0 rg BT 347.80 686.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 392.99 686.25 Td ( ) Tj ET Q q 0 0 0 rg BT 395.12 686.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.23 686.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 473.91 686.25 Td (The ) Tj ET Q q 0 0 0 rg BT 491.59 686.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 513.17 686.25 Td (also ) Tj ET Q q 0 0 0 rg BT 531.41 686.25 Td (reviews ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.35 674.25 Td (results ) Tj ET Q q 0 0 0 rg BT 111.08 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 122.04 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 136.89 674.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 158.40 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 169.36 674.25 Td (business ) Tj ET Q q 0 0 0 rg BT 205.88 674.25 Td (on ) Tj ET Q q 0 0 0 rg BT 218.51 674.25 Td (a ) Tj ET Q q 0 0 0 rg BT 225.57 674.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 264.30 674.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 289.24 674.25 Td (The ) Tj ET Q q 0 0 0 rg BT 307.41 674.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 329.64 674.25 Td (s ) Tj ET Q q 0 0 0 rg BT 336.16 674.25 Td (definition ) Tj ET Q q 0 0 0 rg BT 377.67 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 388.63 674.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 427.35 674.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 449.98 674.25 Td (starts, ) Tj ET Q q 0 0 0 rg BT 476.21 674.25 Td (in ) Tj ET Q q 0 0 0 rg BT 486.62 674.25 Td (each ) Tj ET Q q 0 0 0 rg BT 507.56 674.25 Td (case, ) Tj ET Q q 0 0 0 rg BT 529.90 674.25 Td (with ) Tj ET Q q 0 0 0 rg BT 550.31 674.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 103.80 662.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 124.56 662.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 151.42 662.25 Td ( ) Tj ET Q q 0 0 0 rg BT 154.40 662.25 Td (results ) Tj ET Q q 0 0 0 rg BT 183.49 662.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.91 662.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 237.21 662.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 267.40 662.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 334.79 662.25 Td (to ) Tj ET Q q 0 0 0 rg BT 345.55 662.25 Td (present ) Tj ET Q q 0 0 0 rg BT 377.41 662.25 Td (total ) Tj ET Q q 0 0 0 rg BT 398.17 662.25 Td (net ) Tj ET Q q 0 0 0 rg BT 413.36 662.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 447.99 662.25 Td (for ) Tj ET Q q 0 0 0 rg BT 462.63 662.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.83 662.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 500.26 662.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.68 662.25 Td (each ) Tj ET Q q 0 0 0 rg BT 538.97 662.25 Td (of ) Tj ET Q q 0 0 0 rg BT 550.29 662.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 650.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 109.91 650.25 Td (business ) Tj ET Q q 0 0 0 rg BT 145.67 650.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 184.76 650.25 Td (on ) Tj ET Q q 0 0 0 rg BT 196.64 650.25 Td (a ) Tj ET Q q 0 0 0 rg BT 202.95 650.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 223.71 650.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 299.44 650.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 334.63 650.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 358.59 650.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 407.92 650.25 Td (, ) Tj ET Q q 0 0 0 rg BT 412.30 650.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 445.82 650.25 Td (from ) Tj ET Q q 0 0 0 rg BT 467.13 650.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 516.78 650.25 Td (that ) Tj ET Q q 0 0 0 rg BT 533.65 650.25 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 638.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 82.60 638.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 112.13 638.25 Td (and ) Tj ET Q q 0 0 0 rg BT 129.45 638.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 177.31 638.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 217.95 638.25 Td (is ) Tj ET Q q 0 0 0 rg BT 227.50 638.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 268.70 638.25 Td (in ) Tj ET Q q 0 0 0 rg BT 279.36 638.25 Td (the ) Tj ET Q q 0 0 0 rg BT 294.45 638.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 333.43 638.25 Td (results ) Tj ET Q q 0 0 0 rg BT 362.42 638.25 Td (on ) Tj ET Q q 0 0 0 rg BT 375.30 638.25 Td (a ) Tj ET Q q 0 0 0 rg BT 382.61 638.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 405.49 638.25 Td (comparable ) Tj ET Q q 0 0 0 rg BT 455.01 638.25 Td (to ) Tj ET Q q 0 0 0 rg BT 465.67 638.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 497.42 638.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 548.08 638.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 109.96 626.25 Td (These ) Tj ET Q q 0 0 0 rg BT 136.20 626.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 173.55 626.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 213.12 626.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 237.70 626.25 Td (management ) Tj ET Q q 0 0 0 rg BT 291.16 626.25 Td (to ) Tj ET Q q 0 0 0 rg BT 301.30 626.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 328.11 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 342.69 626.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 400.60 626.25 Td (of ) Tj ET Q q 0 0 0 rg BT 411.29 626.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 445.30 626.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 474.89 626.25 Td (from ) Tj ET Q q 0 0 0 rg BT 496.69 626.25 Td (both ) Tj ET Q q 0 0 0 rg BT 516.83 626.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 548.07 626.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.41 614.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 148.69 614.25 Td (The ) Tj ET Q q 0 0 0 rg BT 166.17 614.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 225.31 614.25 Td (income ) Tj ET Q q 0 0 0 rg BT 256.67 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 270.82 614.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 299.96 614.25 Td (related ) Tj ET Q q 0 0 0 rg BT 329.09 614.25 Td (to ) Tj ET Q q 0 0 0 rg BT 338.80 614.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 385.71 614.25 Td (items ) Tj ET Q q 0 0 0 rg BT 409.31 614.25 Td (is ) Tj ET Q q 0 0 0 rg BT 417.91 614.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 454.81 614.25 Td (within ) Tj ET Q q 0 0 0 rg BT 482.30 614.25 Td (income ) Tj ET Q q 0 0 0 rg BT 513.66 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 527.81 614.25 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 602.25 Td (These ) Tj ET Q q 0 0 0 rg BT 94.97 602.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 146.34 602.25 Td (have ) Tj ET Q q 0 0 0 rg BT 168.81 602.25 Td (no ) Tj ET Q q 0 0 0 rg BT 182.40 602.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 213.20 602.25 Td (on ) Tj ET Q q 0 0 0 rg BT 226.80 602.25 Td (net ) Tj ET Q q 0 0 0 rg BT 242.61 602.25 Td (income ) Tj ET Q q 0 0 0 rg BT 275.63 602.25 Td (as ) Tj ET Q q 0 0 0 rg BT 287.55 602.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 324.46 602.25 Td (by ) Tj ET Q q 0 0 0 rg BT 338.06 602.25 Td (the ) Tj ET Q q 0 0 0 rg BT 353.87 602.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 376.91 602.25 Td (as ) Tj ET Q q 0 0 0 rg BT 388.83 602.25 Td (a ) Tj ET Q q 0 0 0 rg BT 396.86 602.25 Td (whole ) Tj ET Q q 0 0 0 rg BT 424.89 602.25 Td (or ) Tj ET Q q 0 0 0 rg BT 436.81 602.25 Td (by ) Tj ET Q q 0 0 0 rg BT 450.41 602.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.22 602.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 488.70 602.25 Td (of ) Tj ET Q q 0 0 0 rg BT 500.62 602.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 540.60 602.25 Td (For ) Tj ET Q q 0 0 0 rg BT 558.09 602.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 124.18 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 134.21 590.25 Td (the ) Tj ET Q q 0 0 0 rg BT 148.13 590.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 170.36 590.25 Td (s ) Tj ET Q q 0 0 0 rg BT 175.96 590.25 Td (results ) Tj ET Q q 0 0 0 rg BT 203.77 590.25 Td (from ) Tj ET Q q 0 0 0 rg BT 224.91 590.25 Td (a ) Tj ET Q q 0 0 0 rg BT 231.05 590.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 266.07 590.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.56 590.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 313.35 590.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 337.56 590.25 Td (see ) Tj ET Q q 0 0 0 rg BT 352.03 590.25 Td (page ) Tj ET Q q 0 0 0 rg BT 372.61 590.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 379.32 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 389.35 590.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.27 590.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 440.52 590.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 473.32 590.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 512.24 590.25 Td (Supplement.) 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 106.79 566.25 Td (common ) Tj ET Q q 0 0 0 rg BT 146.23 566.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 175.67 566.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 217.04 566.25 Td (return ) Tj ET Q q 0 0 0 rg BT 245.36 566.25 Td (on ) Tj ET Q q 0 0 0 rg BT 259.80 566.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 296.46 566.25 Td (common ) Tj ET Q q 0 0 0 rg BT 335.90 566.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 365.34 566.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 418.10 566.25 Td (and ) Tj ET Q q 0 0 0 rg BT 436.98 566.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 473.64 566.25 Td (book ) Tj ET Q q 0 0 0 rg BT 498.09 566.25 Td (value ) Tj ET Q q 0 0 0 rg BT 524.19 566.25 Td (per ) Tj ET Q q 0 0 0 rg BT 541.40 566.25 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 554.25 Td (\(TBVPS\), ) Tj ET Q q 0 0 0 rg BT 120.16 554.25 Td (are ) Tj ET Q q 0 0 0 rg BT 135.87 554.25 Td (each ) Tj ET Q q 0 0 0 rg BT 157.68 554.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 202.87 554.25 Td ( ) Tj ET Q q 0 0 0 rg BT 206.37 554.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 244.85 554.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 287.80 554.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 310.19 554.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 354.23 554.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.94 554.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 392.17 554.25 Td (s ) Tj ET Q q 0 0 0 rg BT 399.56 554.25 Td (common ) Tj ET Q q 0 0 0 rg BT 438.06 554.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 491.19 554.25 Td ( ) Tj ET Q q 0 0 0 rg BT 494.69 554.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 523.19 554.25 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 544.73 554.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 542.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 120.63 542.25 Td ( ) Tj ET Q q 0 0 0 rg BT 123.59 542.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 151.54 542.25 Td (less ) Tj ET Q q 0 0 0 rg BT 169.49 542.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 209.08 542.25 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 236.47 542.25 Td (less ) Tj ET Q q 0 0 0 rg BT 254.43 542.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 292.94 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.33 542.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 358.82 542.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 401.77 542.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 428.05 542.25 Td (\(other ) Tj ET Q q 0 0 0 rg BT 454.88 542.25 Td (than ) Tj ET Q q 0 0 0 rg BT 475.05 542.25 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 508.85 542.25 Td (net ) Tj ET Q q 0 0 0 rg BT 524.02 542.25 Td (of ) Tj ET Q q 0 0 0 rg BT 535.31 542.25 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 530.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 103.65 530.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 118.70 530.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 161.26 530.25 Td (For ) Tj ET Q q 0 0 0 rg BT 177.99 530.25 Td (a ) Tj ET Q q 0 0 0 rg BT 185.27 530.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 243.08 530.25 Td (from ) Tj ET Q q 0 0 0 rg BT 265.36 530.25 Td (common ) Tj ET Q q 0 0 0 rg BT 303.19 530.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 356.33 530.25 Td ( ) Tj ET Q q 0 0 0 rg BT 359.17 530.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 387.00 530.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.41 530.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 421.64 530.25 Td (see ) Tj ET Q q 0 0 0 rg BT 437.25 530.25 Td (page ) Tj ET Q q 0 0 0 rg BT 458.96 530.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 466.80 530.25 Td (of ) Tj ET Q q 0 0 0 rg BT 477.97 530.25 Td (the ) Tj ET Q q 0 0 0 rg BT 493.03 530.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 531.42 530.25 Td (Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 106.59 518.25 Td (Supplement. ) Tj ET Q q 0 0 0 rg BT 158.75 518.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 193.40 518.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 232.49 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.59 518.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 268.81 518.25 Td (s ) Tj ET Q q 0 0 0 rg BT 274.58 518.25 Td (net ) Tj ET Q q 0 0 0 rg BT 288.68 518.25 Td (income ) Tj ET Q q 0 0 0 rg BT 320.00 518.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 362.96 518.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.62 518.25 Td (common ) Tj ET Q q 0 0 0 rg BT 409.50 518.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 436.37 518.25 Td (as ) Tj ET Q q 0 0 0 rg BT 446.58 518.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.90 518.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 498.08 518.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.29 518.25 Td (average ) Tj ET Q q 0 0 0 rg BT 541.12 518.25 Td (TCE. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 100.84 506.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 143.60 506.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.04 506.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 180.27 506.25 Td (s ) Tj ET Q q 0 0 0 rg BT 186.22 506.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 207.33 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 216.77 506.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 262.31 506.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 294.52 506.25 Td (by ) Tj ET Q q 0 0 0 rg BT 306.74 506.25 Td (common ) Tj ET Q q 0 0 0 rg BT 343.96 506.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 371.17 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 380.61 506.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 428.65 506.25 Td (Book ) Tj ET Q q 0 0 0 rg BT 452.54 506.25 Td (value ) Tj ET Q q 0 0 0 rg BT 476.42 506.25 Td (per ) Tj ET Q q 0 0 0 rg BT 491.41 506.25 Td (share ) Tj ET Q q 0 0 0 rg BT 514.73 506.25 Td (was ) Tj ET Q q 0 0 0 rg BT 532.50 506.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.50 506.25 Td (67.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.00 506.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 494.25 Td (67.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 494.25 Td ( ) Tj ET Q q 0 0 0 rg BT 97.18 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.79 494.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.79 494.25 Td (64.68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.29 494.25 Td ( ) Tj ET Q q 0 0 0 rg BT 143.47 494.25 Td (at ) Tj ET Q q 0 0 0 rg BT 152.86 494.25 Td (March ) Tj ET Q q 0 0 0 rg BT 181.14 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 195.81 494.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 220.49 494.25 Td (December ) Tj ET Q q 0 0 0 rg BT 263.75 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 278.43 494.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 303.11 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 319.72 494.25 Td (March ) Tj ET Q q 0 0 0 rg BT 348.00 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 362.67 494.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 387.35 494.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 435.01 494.25 Td (. ) Tj ET Q q 0 0 0 rg BT 439.53 494.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 463.09 494.25 Td (ROTCE, ) Tj ET Q q 0 0 0 rg BT 500.55 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.01 494.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 550.31 494.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 482.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 115.54 482.25 Td (to ) Tj ET Q q 0 0 0 rg BT 125.82 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.54 482.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 164.99 482.25 Td (as ) Tj ET Q q 0 0 0 rg BT 175.82 482.25 Td (well ) Tj ET Q q 0 0 0 rg BT 195.53 482.25 Td (as ) Tj ET Q q 0 0 0 rg BT 206.36 482.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 244.97 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 261.91 482.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 299.13 482.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.40 482.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 349.13 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 363.84 482.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 386.07 482.25 Td (s ) Tj ET Q q 0 0 0 rg BT 392.46 482.25 Td (use ) Tj ET Q q 0 0 0 rg BT 408.29 482.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.12 482.25 Td (equity) Tj ET Q q 0 0 0 rg BT 443.47 482.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 458.25 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 458.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 105.80 458.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.21 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 156.84 458.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 192.36 458.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 231.21 458.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 251.73 458.25 Td (are ) Tj ET Q q 0 0 0 rg BT 266.13 458.25 Td (each ) Tj ET Q q 0 0 0 rg BT 286.64 458.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 331.83 458.25 Td ( ) Tj ET Q q 0 0 0 rg BT 334.02 458.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 371.20 458.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 412.62 458.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 450.92 458.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 485.33 458.25 Td (excluded ) Tj ET Q q 0 0 0 rg BT 523.62 458.25 Td (Firmwide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 446.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 88.78 446.25 Td (expense/\(benefit\) ) Tj ET Q q 0 0 0 rg BT 160.03 446.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.20 446.25 Td ($70 ) Tj ET Q q 0 0 0 rg BT 187.05 446.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.94 446.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.28 446.25 Td ($\(207\) ) Tj ET Q q 0 0 0 rg BT 248.78 446.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.68 446.25 Td ( ) Tj ET Q q 0 0 0 rg BT 279.52 446.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.80 446.25 Td ($218 ) Tj ET Q q 0 0 0 rg BT 317.64 446.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.54 446.25 Td ( ) Tj ET Q q 0 0 0 rg BT 348.38 446.25 Td (for ) Tj ET Q q 0 0 0 rg BT 361.88 446.25 Td (the ) Tj ET Q q 0 0 0 rg BT 375.94 446.25 Td (three ) Tj ET Q q 0 0 0 rg BT 397.77 446.25 Td (months ) Tj ET Q q 0 0 0 rg BT 429.06 446.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 454.78 446.25 Td (March ) Tj ET Q q 0 0 0 rg BT 482.72 446.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 497.07 446.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 521.41 446.25 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 434.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 81.86 434.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 106.22 434.25 Td (and ) Tj ET Q q 0 0 0 rg BT 122.52 434.25 Td (March ) Tj ET Q q 0 0 0 rg BT 150.47 434.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 164.83 434.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 189.19 434.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 236.85 434.25 Td (. ) Tj ET Q q 0 0 0 rg BT 241.08 434.25 Td (The ) Tj ET Q q 0 0 0 rg BT 258.49 434.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 293.67 434.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 332.17 434.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 352.36 434.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 391.43 434.25 Td (the ) Tj ET Q q 0 0 0 rg BT 405.50 434.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 427.73 434.25 Td (s ) Tj ET Q q 0 0 0 rg BT 433.48 434.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 468.66 434.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 502.73 434.25 Td (as ) Tj ET Q q 0 0 0 rg BT 512.92 434.25 Td (a ) Tj ET Q q 0 0 0 rg BT 519.22 434.25 Td (percentage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 78.19 422.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 113.88 422.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 152.34 422.25 Td (net ) Tj ET Q q 0 0 0 rg BT 166.92 422.25 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 203.44 422.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 258.00 422.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 293.13 422.25 Td (this ) Tj ET Q q 0 0 0 rg BT 309.94 422.25 Td (information ) Tj ET Q q 0 0 0 rg BT 359.52 422.25 Td (helps ) Tj ET Q q 0 0 0 rg BT 382.99 422.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 421.47 422.25 Td (understand ) Tj ET Q q 0 0 0 rg BT 467.71 422.25 Td (the ) Tj ET Q q 0 0 0 rg BT 482.29 422.25 Td (ef) Tj ET Q q 0 0 0 rg BT 489.88 422.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 507.23 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 517.92 422.25 Td (these ) Tj ET Q q 0 0 0 rg BT 540.83 422.25 Td (items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 410.25 Td (on ) Tj ET Q q 0 0 0 rg BT 80.00 410.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 115.82 410.25 Td (results ) Tj ET Q q 0 0 0 rg BT 144.42 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.36 410.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 198.30 410.25 Td (an ) Tj ET Q q 0 0 0 rg BT 210.24 410.25 Td (alternate ) Tj ET Q q 0 0 0 rg BT 247.16 410.25 Td (presentation ) Tj ET Q q 0 0 0 rg BT 298.53 410.25 Td (of ) Tj ET Q q 0 0 0 rg BT 309.36 410.25 Td (the ) Tj ET Q q 0 0 0 rg BT 324.08 410.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 346.30 410.25 Td (s ) Tj ET Q q 0 0 0 rg BT 352.70 410.25 Td (performance.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 374.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 374.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 374.25 Td (key ) Tj ET Q q 0 0 0 rg BT 106.44 374.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 163.92 374.25 Td (measur) Tj ET Q q 0 0 0 rg BT 195.40 374.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 350.25 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 350.25 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 110.68 350.25 Td (as ) Tj ET Q q 0 0 0 rg BT 122.21 350.25 Td (of ) Tj ET Q q 0 0 0 rg BT 133.73 350.25 Td (March ) Tj ET Q q 0 0 0 rg BT 163.02 350.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 178.71 350.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 204.17 350.25 Td (The ) Tj ET Q q 0 0 0 rg BT 222.91 350.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 248.32 350.25 Td (III ) Tj ET Q q 0 0 0 rg BT 261.50 350.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 305.79 350.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 338.13 350.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 396.31 350.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 422.83 350.25 Td (and ) Tj ET Q q 0 0 0 rg BT 440.46 350.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 470.31 350.25 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 498.22 350.25 Td (\(fully ) Tj ET Q q 0 0 0 rg BT 523.62 350.25 Td (phased-in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 338.25 Td (ef) Tj ET Q q 0 0 0 rg BT 75.09 338.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 104.01 338.25 Td (January ) Tj ET Q q 0 0 0 rg BT 136.82 338.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 146.04 338.25 Td (2019\), ) Tj ET Q q 0 0 0 rg BT 173.58 338.25 Td (and ) Tj ET Q q 0 0 0 rg BT 189.74 338.25 Td (the ) Tj ET Q q 0 0 0 rg BT 203.67 338.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 227.60 338.25 Td (III ) Tj ET Q q 0 0 0 rg BT 239.31 338.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 299.90 338.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 335.48 338.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 355.52 338.25 Td (\(SLR\), ) Tj ET Q q 0 0 0 rg BT 393.61 338.25 Td (\(fully-phased ) Tj ET Q q 0 0 0 rg BT 448.65 338.25 Td (in ) Tj ET Q q 0 0 0 rg BT 458.14 338.25 Td (ef) Tj ET Q q 0 0 0 rg BT 465.73 338.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 494.65 338.25 Td (January ) Tj ET Q q 0 0 0 rg BT 527.46 338.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 536.68 338.25 Td (2018\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 326.25 Td (are ) Tj ET Q q 0 0 0 rg BT 81.46 326.25 Td (all ) Tj ET Q q 0 0 0 rg BT 93.22 326.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 138.29 326.25 Td (key ) Tj ET Q q 0 0 0 rg BT 154.49 326.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 197.34 326.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 225.75 326.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 267.08 326.25 Td (The ) Tj ET Q q 0 0 0 rg BT 284.39 326.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 312.80 326.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 352.31 326.25 Td (of ) Tj ET Q q 0 0 0 rg BT 362.40 326.25 Td (the ) Tj ET Q q 0 0 0 rg BT 376.37 326.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 397.58 326.25 Td (is ) Tj ET Q q 0 0 0 rg BT 406.01 326.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 446.07 326.25 Td (against ) Tj ET Q q 0 0 0 rg BT 476.16 326.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.13 326.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 514.11 326.25 Td (III ) Tj ET Q q 0 0 0 rg BT 525.85 326.25 Td (approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 314.25 Td (\(Standardized ) Tj ET Q q 0 0 0 rg BT 125.84 314.25 Td (or ) Tj ET Q q 0 0 0 rg BT 136.36 314.25 Td (Advanced\) ) Tj ET Q q 0 0 0 rg BT 183.04 314.25 Td (that ) Tj ET Q q 0 0 0 rg BT 200.84 314.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 232.26 314.25 Td (for ) Tj ET Q q 0 0 0 rg BT 246.73 314.25 Td (each ) Tj ET Q q 0 0 0 rg BT 267.86 314.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 295.77 314.25 Td (, ) Tj ET Q q 0 0 0 rg BT 301.08 314.25 Td (in ) Tj ET Q q 0 0 0 rg BT 311.67 314.25 Td (the ) Tj ET Q q 0 0 0 rg BT 326.70 314.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 352.28 314.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 373.41 314.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 391.77 314.25 Td (Collins ) Tj ET Q q 0 0 0 rg BT 427.92 314.25 Td (Floor\). ) Tj ET Q q 0 0 0 rg BT 462.46 314.25 Td (These ) Tj ET Q q 0 0 0 rg BT 489.15 314.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 529.16 314.25 Td (are ) Tj ET Q q 0 0 0 rg BT 544.18 314.25 Td (used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 302.25 Td (by ) Tj ET Q q 0 0 0 rg BT 80.93 302.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 137.94 302.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 160.80 302.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 206.71 302.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 246.25 302.25 Td (and ) Tj ET Q q 0 0 0 rg BT 264.11 302.25 Td (analysts ) Tj ET Q q 0 0 0 rg BT 299.75 302.25 Td (to ) Tj ET Q q 0 0 0 rg BT 310.96 302.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 338.83 302.25 Td (and ) Tj ET Q q 0 0 0 rg BT 356.69 302.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 391.78 302.25 Td (the ) Tj ET Q q 0 0 0 rg BT 407.42 302.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 429.65 302.25 Td (s ) Tj ET Q q 0 0 0 rg BT 436.97 302.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 467.04 302.25 Td (position. ) Tj ET Q q 0 0 0 rg BT 505.19 302.25 Td (For ) Tj ET Q q 0 0 0 rg BT 522.51 302.25 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 290.25 Td (information ) Tj ET Q q 0 0 0 rg BT 116.43 290.25 Td (on ) Tj ET Q q 0 0 0 rg BT 128.14 290.25 Td (these ) Tj ET Q q 0 0 0 rg BT 150.40 290.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 191.83 290.25 Td (including ) Tj ET Q q 0 0 0 rg BT 231.32 290.25 Td (the ) Tj ET Q q 0 0 0 rg BT 245.25 290.25 Td (Collins ) Tj ET Q q 0 0 0 rg BT 275.86 290.25 Td (Floor) Tj ET Q q 0 0 0 rg BT 297.13 290.25 Td (, ) Tj ET Q q 0 0 0 rg BT 301.34 290.25 Td (see ) Tj ET Q q 0 0 0 rg BT 315.83 290.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 346.43 290.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 366.48 290.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 420.40 290.25 Td (on ) Tj ET Q q 0 0 0 rg BT 432.11 290.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 456.60 290.25 Td (82-91 ) Tj ET Q q 0 0 0 rg BT 481.64 290.25 Td (of ) Tj ET Q q 0 0 0 rg BT 491.69 290.25 Td (the ) Tj ET Q q 0 0 0 rg BT 505.62 290.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 527.85 290.25 Td (s ) Tj ET Q q 0 0 0 rg BT 533.08 290.25 Td (Annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 278.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 97.22 278.25 Td (on ) Tj ET Q q 0 0 0 rg BT 109.72 278.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 133.89 278.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 156.94 278.25 Td (for ) Tj ET Q q 0 0 0 rg BT 171.10 278.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.82 278.25 Td (year ) Tj ET Q q 0 0 0 rg BT 205.52 278.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 231.90 278.25 Td (December ) Tj ET Q q 0 0 0 rg BT 275.48 278.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 290.48 278.25 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 254.25 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 254.25 Td (Core ) Tj ET Q q 0 0 0 rg BT 89.14 254.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 112.44 254.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 151.28 254.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.59 254.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 220.10 254.25 Td (central ) Tj ET Q q 0 0 0 rg BT 249.50 254.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.48 254.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.89 254.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 296.12 254.25 Td (s ) Tj ET Q q 0 0 0 rg BT 302.21 254.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 337.18 254.25 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 384.38 254.25 Td (core ) Tj ET Q q 0 0 0 rg BT 403.78 254.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 427.09 254.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 460.38 254.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 483.69 254.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 523.65 254.25 Td (as ) Tj ET Q q 0 0 0 rg BT 534.17 254.25 Td (trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 242.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.83 242.25 Td (runof) Tj ET Q q 0 0 0 rg BT 117.31 242.25 Td (f ) Tj ET Q q 0 0 0 rg BT 123.14 242.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 167.03 242.25 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 220.63 242.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 262.02 242.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.96 242.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 320.34 242.25 Td (the ) Tj ET Q q 0 0 0 rg BT 335.06 242.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 357.01 242.25 Td (has ) Tj ET Q q 0 0 0 rg BT 372.84 242.25 Td (an ) Tj ET Q q 0 0 0 rg BT 384.78 242.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 410.05 242.25 Td (to ) Tj ET Q q 0 0 0 rg BT 420.33 242.25 Td (exit.) 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 (stock ) Tj ET Q q 0 0 0 rg BT 118.88 692.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 146.38 692.25 Td (to ) Tj ET Q q 0 0 0 rg BT 156.66 692.25 Td (employees.) 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 (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 674.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 674.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 656.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 656.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 656.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 106.74 656.25 Td (January ) Tj ET Q q 0 0 0 rg BT 140.62 656.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 150.91 656.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 176.19 656.25 Td (the ) Tj ET Q q 0 0 0 rg BT 191.19 656.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 213.42 656.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 247.85 656.25 Td (several ) Tj ET Q q 0 0 0 rg BT 278.95 656.25 Td (new ) Tj ET Q q 0 0 0 rg BT 298.39 656.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 345.05 656.25 Td (standards, ) Tj ET Q q 0 0 0 rg BT 388.10 656.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.10 656.25 Td (most ) Tj ET Q q 0 0 0 rg BT 425.33 656.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 470.32 656.25 Td (of ) Tj ET Q q 0 0 0 rg BT 481.44 656.25 Td (which ) Tj ET Q q 0 0 0 rg BT 508.66 656.25 Td (were ) Tj ET Q q 0 0 0 rg BT 530.87 656.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (recognition, ) Tj ET Q q 0 0 0 rg BT 116.91 644.25 Td (and ) Tj ET Q q 0 0 0 rg BT 132.72 644.25 Td (recognition ) Tj ET Q q 0 0 0 rg BT 179.63 644.25 Td (and ) Tj ET Q q 0 0 0 rg BT 195.44 644.25 Td (measurement ) Tj ET Q q 0 0 0 rg BT 250.12 644.25 Td (of ) Tj ET Q q 0 0 0 rg BT 259.82 644.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 296.17 644.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 323.27 644.25 Td (The ) Tj ET Q q 0 0 0 rg BT 340.19 644.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 373.20 644.25 Td (recognition ) Tj ET Q q 0 0 0 rg BT 420.11 644.25 Td (guidance ) Tj ET Q q 0 0 0 rg BT 457.58 644.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 491.15 644.25 Td (gross ) Tj ET Q q 0 0 0 rg BT 513.64 644.25 Td (presentation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 632.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.71 632.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 106.78 632.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 128.66 632.25 Td (that ) Tj ET Q q 0 0 0 rg BT 145.53 632.25 Td (were ) Tj ET Q q 0 0 0 rg BT 166.83 632.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 210.92 632.25 Td (of) Tj ET Q q 0 0 0 rg BT 219.07 632.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 235.39 632.25 Td (against ) Tj ET Q q 0 0 0 rg BT 265.59 632.25 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 301.47 632.25 Td (This ) Tj ET Q q 0 0 0 rg BT 321.12 632.25 Td (change ) Tj ET Q q 0 0 0 rg BT 351.31 632.25 Td (was ) Tj ET Q q 0 0 0 rg BT 368.74 632.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 402.27 632.25 Td (retrospectively ) Tj ET Q q 0 0 0 rg BT 463.57 632.25 Td (and ) Tj ET Q q 0 0 0 rg BT 479.88 632.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 501.19 632.25 Td (period ) Tj ET Q q 0 0 0 rg BT 528.61 632.25 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td (were ) Tj ET Q q 0 0 0 rg BT 89.15 620.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 120.24 620.25 Td (accordingly) Tj ET Q q 0 0 0 rg BT 166.80 620.25 Td (, ) Tj ET Q q 0 0 0 rg BT 171.52 620.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 208.73 620.25 Td (in ) Tj ET Q q 0 0 0 rg BT 218.73 620.25 Td (both ) Tj ET Q q 0 0 0 rg BT 238.73 620.25 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 285.38 620.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 319.24 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 335.90 620.25 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 382.55 620.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 416.98 620.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 460.29 620.25 Td (by ) Tj ET Q q 0 0 0 rg BT 472.51 620.25 Td ($304 ) Tj ET Q q 0 0 0 rg BT 494.73 620.25 Td (million ) Tj ET Q q 0 0 0 rg BT 525.84 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 542.50 620.25 Td ($264 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 608.25 Td (million ) Tj ET Q q 0 0 0 rg BT 99.69 608.25 Td (for ) Tj ET Q q 0 0 0 rg BT 114.65 608.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.17 608.25 Td (three ) Tj ET Q q 0 0 0 rg BT 153.46 608.25 Td (months ) Tj ET Q q 0 0 0 rg BT 186.21 608.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 213.38 608.25 Td (December ) Tj ET Q q 0 0 0 rg BT 257.77 608.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 273.57 608.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 296.87 608.25 Td (and ) Tj ET Q q 0 0 0 rg BT 314.61 608.25 Td (March ) Tj ET Q q 0 0 0 rg BT 344.01 608.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 359.81 608.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 385.61 608.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 433.27 608.25 Td (, ) Tj ET Q q 0 0 0 rg BT 439.07 608.25 Td (with ) Tj ET Q q 0 0 0 rg BT 460.15 608.25 Td (no ) Tj ET Q q 0 0 0 rg BT 473.45 608.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 503.96 608.25 Td (to ) Tj ET Q q 0 0 0 rg BT 515.04 608.25 Td (net ) Tj ET Q q 0 0 0 rg BT 530.56 608.25 Td (income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 596.25 Td (JPMor) Tj ET Q q 0 0 0 rg BT 93.99 596.25 Td (gan ) Tj ET Q q 0 0 0 rg BT 111.60 596.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 139.21 596.25 Td (expects ) Tj ET Q q 0 0 0 rg BT 172.36 596.25 Td (the ) Tj ET Q q 0 0 0 rg BT 187.75 596.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 210.92 596.25 Td (full-year ) Tj ET Q q 0 0 0 rg BT 248.51 596.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 278.89 596.25 Td (to ) Tj ET Q q 0 0 0 rg BT 289.84 596.25 Td (be ) Tj ET Q q 0 0 0 rg BT 302.45 596.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 363.37 596.25 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 384.04 596.25 Td (billion. ) Tj ET Q q 0 0 0 rg BT 415.60 596.25 Td (The ) Tj ET Q q 0 0 0 rg BT 434.31 596.25 Td (adoption ) Tj ET Q q 0 0 0 rg BT 472.48 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.98 596.25 Td (the ) Tj ET Q q 0 0 0 rg BT 499.36 596.25 Td (recognition ) Tj ET Q q 0 0 0 rg BT 548.07 596.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (measurement ) Tj ET Q q 0 0 0 rg BT 122.68 584.25 Td (guidance ) Tj ET Q q 0 0 0 rg BT 160.64 584.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 194.16 584.25 Td (in ) Tj ET Q q 0 0 0 rg BT 203.80 584.25 Td ($505 ) Tj ET Q q 0 0 0 rg BT 225.67 584.25 Td (million ) Tj ET Q q 0 0 0 rg BT 256.43 584.25 Td (of ) Tj ET Q q 0 0 0 rg BT 266.63 584.25 Td (mark-to-market ) Tj ET Q q 0 0 0 rg BT 331.24 584.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 354.22 584.25 Td (on ) Tj ET Q q 0 0 0 rg BT 366.08 584.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 395.15 584.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 422.01 584.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 471.65 584.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 515.74 584.25 Td (held ) Tj ET Q q 0 0 0 rg BT 534.82 584.25 Td (at ) Tj ET Q q 0 0 0 rg BT 543.91 584.25 Td (cost. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (For ) Tj ET Q q 0 0 0 rg BT 84.02 572.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 126.65 572.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 178.99 572.25 Td (including ) Tj ET Q q 0 0 0 rg BT 219.39 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 234.24 572.25 Td (impacts ) Tj ET Q q 0 0 0 rg BT 267.98 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 278.94 572.25 Td (each ) Tj ET Q q 0 0 0 rg BT 299.89 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 310.85 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 325.70 572.25 Td (new ) Tj ET Q q 0 0 0 rg BT 344.99 572.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 391.49 572.25 Td (standards, ) Tj ET Q q 0 0 0 rg BT 434.39 572.25 Td (see ) Tj ET Q q 0 0 0 rg BT 449.79 572.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 475.20 572.25 Td (29-30 ) Tj ET Q q 0 0 0 rg BT 501.16 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 512.12 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 526.97 572.25 Td (Earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 101.09 560.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 140.81 560.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 542.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 542.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 542.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.05 542.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.88 542.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.15 542.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.20 542.25 Td (to ) Tj ET Q q 0 0 0 rg BT 202.48 542.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.09 542.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.13 542.25 Td (new ) Tj ET Q q 0 0 0 rg BT 293.30 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 542.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.61 542.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.38 542.25 Td (including ) Tj ET Q q 0 0 0 rg BT 414.66 542.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.27 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.21 542.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.47 542.25 Td (The ) Tj ET Q q 0 0 0 rg BT 532.52 542.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 530.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.90 530.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 102.74 530.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.36 530.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.22 530.25 Td (small ) Tj ET Q q 0 0 0 rg BT 173.96 530.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.25 530.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.75 530.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.93 530.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.44 530.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.27 530.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.23 530.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.64 530.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.48 530.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 423.10 530.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.17 530.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 478.35 530.25 Td (& ) Tj ET Q q 0 0 0 rg BT 488.21 530.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.84 530.25 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 92.14 518.25 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 133.16 518.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 169.75 518.25 Td (& ) Tj ET Q q 0 0 0 rg BT 179.63 518.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 205.12 518.25 Td (and ) Tj ET Q q 0 0 0 rg BT 222.26 518.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 274.39 518.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 313.29 518.25 Td (The ) Tj ET Q q 0 0 0 rg BT 331.54 518.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 364.24 518.25 Td (of ) Tj ET Q q 0 0 0 rg BT 375.28 518.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 400.75 518.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 439.00 518.25 Td (to ) Tj ET Q q 0 0 0 rg BT 449.48 518.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 489.40 518.25 Td (and ) Tj ET Q q 0 0 0 rg BT 506.55 518.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 527.03 518.25 Td (and ) Tj ET Q q 0 0 0 rg BT 544.18 518.25 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.07 506.25 Td (government ) Tj ET Q q 0 0 0 rg BT 138.62 506.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 172.78 506.25 Td (including ) Tj ET Q q 0 0 0 rg BT 213.34 506.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 233.91 506.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 261.41 506.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 323.35 506.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 361.69 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.91 506.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 430.30 506.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 473.62 506.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 499.17 506.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 537.50 506.25 Td (by ) Tj ET Q q 0 0 0 rg BT 550.29 506.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 109.99 494.25 Td (& ) Tj ET Q q 0 0 0 rg BT 120.26 494.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 167.20 494.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 190.81 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.74 494.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 259.67 494.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 476.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 476.25 Td (On ) Tj ET Q q 0 0 0 rg BT 82.77 476.25 Td (December ) Tj ET Q q 0 0 0 rg BT 126.89 476.25 Td (22, ) Tj ET Q q 0 0 0 rg BT 142.44 476.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 167.98 476.25 Td (the ) Tj ET Q q 0 0 0 rg BT 183.02 476.25 Td (T) Tj ET Q q 0 0 0 rg BT 188.43 476.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 200.92 476.25 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 222.30 476.25 Td (& ) Tj ET Q q 0 0 0 rg BT 233.12 476.25 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 253.28 476.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 270.76 476.25 Td (\(TCJA\) ) Tj ET Q q 0 0 0 rg BT 313.24 476.25 Td (was ) Tj ET Q q 0 0 0 rg BT 331.83 476.25 Td (signed ) Tj ET Q q 0 0 0 rg BT 360.99 476.25 Td (into ) Tj ET Q q 0 0 0 rg BT 379.59 476.25 Td (law ) Tj ET Q q 0 0 0 rg BT 397.07 476.25 Td (and ) Tj ET Q q 0 0 0 rg BT 414.55 476.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 449.25 476.25 Td (in ) Tj ET Q q 0 0 0 rg BT 460.07 476.25 Td (a ) Tj ET Q q 0 0 0 rg BT 467.56 476.25 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 488.10 476.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 517.26 476.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 554.72 476.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 464.25 Td (JPMor) Tj ET Q q 0 0 0 rg BT 93.99 464.25 Td (gan ) Tj ET Q q 0 0 0 rg BT 110.93 464.25 Td (Chase? Tj ET Q q 0 0 0 rg BT 138.15 464.25 Td (s ) Tj ET Q q 0 0 0 rg BT 144.54 464.25 Td (net ) Tj ET Q q 0 0 0 rg BT 159.26 464.25 Td (income ) Tj ET Q q 0 0 0 rg BT 191.19 464.25 Td (in ) Tj ET Q q 0 0 0 rg BT 201.47 464.25 Td (the ) Tj ET Q q 0 0 0 rg BT 216.19 464.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 243.13 464.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 273.94 464.25 Td (of ) Tj ET Q q 0 0 0 rg BT 284.77 464.25 Td (2017.) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) 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