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Tj ET Q q 0 0 0 rg BT 317.25 319.65 Td (HQLA) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 349.64 324.63 Td (7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.21 319.65 Td ( ) Tj ET Q q 0 0 0 rg BT 355.96 319.65 Td (of ) Tj ET Q q 0 0 0 rg BT 367.88 319.65 Td ($576 ) Tj ET Q q 0 0 0 rg BT 392.63 319.65 Td (billion) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 104.00 303.08 cm /I9 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.00 305.45 Td (Firm ) Tj ET Q q 0 0 0 rg BT 148.57 305.45 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 223.44 305.45 Td (Leverage ) Tj ET Q q 0 0 0 rg BT 269.55 305.45 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 297.97 305.45 Td (\("SLR"\)) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 338.91 310.43 Td (1,8) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 347.84 305.45 Td ( ) Tj ET Q q 0 0 0 rg BT 350.59 305.45 Td (of ) Tj ET Q q 0 0 0 rg BT 362.51 305.45 Td (5.4%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 81.00 289.25 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 99.00 289.25 Td (Cor) Tj ET Q q 0 0 0 rg BT 117.13 289.25 Td (e ) Tj ET Q q 0 0 0 rg BT 124.76 289.25 Td (loans) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 149.21 294.23 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 152.79 289.25 Td ( ) Tj ET Q q 0 0 0 rg BT 155.54 289.25 Td (up ) Tj ET Q q 0 0 0 rg BT 170.52 289.25 Td (8% ) Tj ET Q q 0 0 0 rg BT 189.77 289.25 Td (compar) Tj ET Q q 0 0 0 rg BT 225.62 289.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 239.37 289.25 Td (with ) Tj ET Q q 0 0 0 rg BT 262.90 289.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.31 289.25 Td (prior) Tj ET Q q 0 0 0 rg BT 304.55 289.25 Td ( ) Tj ET Q q 0 0 0 rg BT 307.30 289.25 Td (year) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 81.00 273.05 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 99.00 273.05 Td (JPMorgan ) Tj ET Q q 0 0 0 rg BT 151.85 273.05 Td (Chase ) Tj ET Q q 0 0 0 rg BT 183.33 273.05 Td (supported ) Tj ET Q q 0 0 0 rg BT 233.76 273.05 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 289.36 273.05 Td (businesses ) Tj ET Q q 0 0 0 rg BT 340.41 273.05 Td (and ) Tj ET Q q 0 0 0 rg BT 360.89 273.05 Td (our) Tj ET Q q 0 0 0 rg BT 377.20 273.05 Td ( ) Tj ET Q q 0 0 0 rg BT 379.95 273.05 Td (communities) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 4.00 0 0 11.00 104.00 256.48 cm /I10 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 258.85 Td ( ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.00 258.85 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 144.00 258.85 Td (trillion ) Tj ET Q q 0 0 0 rg BT 179.14 258.85 Td (of ) Tj ET Q q 0 0 0 rg BT 191.05 258.85 Td (cr) Tj ET Q q 0 0 0 rg BT 200.62 258.85 Td (edit ) Tj ET Q q 0 0 0 rg BT 221.09 258.85 Td (and ) Tj ET Q q 0 0 0 rg BT 241.57 258.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 276.10 258.85 Td (raised ) Tj ET Q q 0 0 0 rg BT 307.57 258.85 Td (for) Tj ET Q q 0 0 0 rg BT 321.41 258.85 Td ( ) Tj ET Q q 0 0 0 rg BT 324.16 258.85 Td (the ) Tj ET Q q 0 0 0 rg BT 341.58 258.85 Td (first ) Tj ET Q q 0 0 0 rg BT 363.87 258.85 Td (six ) Tj ET Q q 0 0 0 rg BT 379.46 258.85 Td (months ) Tj ET Q q 0 0 0 rg BT 417.05 258.85 Td (of ) Tj ET Q q 0 0 0 rg BT 428.96 258.85 Td (2014) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 450.96 263.83 Td (1) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 243.28 cm /I11 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 245.65 Td ($93 ) Tj ET Q q 0 0 0 rg BT 167.75 245.65 Td (billion ) Tj ET Q q 0 0 0 rg BT 200.46 245.65 Td (of ) Tj ET Q q 0 0 0 rg BT 212.37 245.65 Td (cr) Tj ET Q q 0 0 0 rg BT 221.94 245.65 Td (edit ) Tj ET Q q 0 0 0 rg BT 242.41 245.65 Td (for) Tj ET Q q 0 0 0 rg BT 256.25 245.65 Td ( ) Tj ET Q q 0 0 0 rg BT 259.00 245.65 Td (consumers) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 230.08 cm /I12 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 232.45 Td ($10 ) Tj ET Q q 0 0 0 rg BT 167.75 232.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 200.46 232.45 Td (of ) Tj ET Q q 0 0 0 rg BT 212.37 232.45 Td (cr) Tj ET Q q 0 0 0 rg BT 221.94 232.45 Td (edit ) Tj ET Q q 0 0 0 rg BT 242.41 232.45 Td (for) Tj ET Q q 0 0 0 rg BT 256.25 232.45 Td ( ) Tj ET Q q 0 0 0 rg BT 259.00 232.45 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 281.32 232.45 Td (small ) Tj ET Q q 0 0 0 rg BT 309.12 232.45 Td (businesses) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 216.88 cm /I13 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 219.25 Td ($296 ) Tj ET Q q 0 0 0 rg BT 173.25 219.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 205.96 219.25 Td (of ) Tj ET Q q 0 0 0 rg BT 217.87 219.25 Td (cr) Tj ET Q q 0 0 0 rg BT 227.44 219.25 Td (edit ) Tj ET Q q 0 0 0 rg BT 247.91 219.25 Td (for) Tj ET Q q 0 0 0 rg BT 261.75 219.25 Td ( ) Tj ET Q q 0 0 0 rg BT 264.50 219.25 Td (corporations) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 203.68 cm /I14 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 206.05 Td ($61) Tj ET Q q 0 0 0 rg BT 164.39 206.05 Td (1 ) Tj ET Q q 0 0 0 rg BT 172.64 206.05 Td (billion ) Tj ET Q q 0 0 0 rg BT 205.35 206.05 Td (of ) Tj ET Q q 0 0 0 rg BT 217.27 206.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 251.79 206.05 Td (raised ) Tj ET Q q 0 0 0 rg BT 283.26 206.05 Td (for) Tj ET Q q 0 0 0 rg BT 297.11 206.05 Td ( ) Tj ET Q q 0 0 0 rg BT 299.86 206.05 Td (clients) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 190.48 cm /I15 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 192.85 Td ($33 ) Tj ET Q q 0 0 0 rg BT 168.36 192.85 Td (billion ) Tj ET Q q 0 0 0 rg BT 201.67 192.85 Td (of ) Tj ET Q q 0 0 0 rg BT 214.19 192.85 Td (cr) Tj ET Q q 0 0 0 rg BT 223.76 192.85 Td (edit ) Tj ET Q q 0 0 0 rg BT 244.84 192.85 Td (and ) Tj ET Q q 0 0 0 rg BT 265.93 192.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 301.06 192.85 Td (raised ) Tj ET Q q 0 0 0 rg BT 333.14 192.85 Td (for) Tj ET Q q 0 0 0 rg BT 346.98 192.85 Td ( ) Tj ET Q q 0 0 0 rg BT 350.34 192.85 Td (nonpr) Tj ET Q q 0 0 0 rg BT 378.88 192.85 Td (ofit ) Tj ET Q q 0 0 0 rg BT 398.12 192.85 Td (and ) Tj ET Q q 0 0 0 rg BT 419.21 192.85 Td (government ) Tj ET Q q 0 0 0 rg BT 478.77 192.85 Td (entities, ) Tj ET Q q 0 0 0 rg BT 518.48 192.85 Td (including ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 179.60 Td (states, ) Tj ET Q q 0 0 0 rg BT 180.27 179.60 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 251.78 179.60 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 296.10 179.60 Td (and ) Tj ET Q q 0 0 0 rg BT 316.58 179.60 Td (universities) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 104.00 162.03 cm /I16 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.00 164.40 Td (Hir) Tj ET Q q 0 0 0 rg BT 138.30 164.40 Td (ed ) Tj ET Q q 0 0 0 rg BT 152.05 164.40 Td (over) Tj ET Q q 0 0 0 rg BT 172.61 164.40 Td ( ) Tj ET Q q 0 0 0 rg BT 175.36 164.40 Td (7,200 ) Tj ET Q q 0 0 0 rg BT 202.86 164.40 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 225.17 164.40 Td (veterans ) Tj ET Q q 0 0 0 rg BT 267.63 164.40 Td (and ) Tj ET Q q 0 0 0 rg BT 288.12 164.40 Td (service ) Tj ET Q q 0 0 0 rg BT 323.23 164.40 Td (members ) Tj ET Q q 0 0 0 rg BT 369.35 164.40 Td (since ) Tj ET Q q 0 0 0 rg BT 395.32 164.40 Td (201) Tj ET Q q 0 0 0 rg BT 411.22 164.40 Td (1) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 153.89999999999998 m 299.5 153.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 153.89999999999998 m 553.5 153.89999999999998 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 48.00 145.15 Td (Investor Contact:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.24 145.15 Td ( Sarah ) Tj ET Q q 0 0 0 rg BT 135.90 145.15 Td (Y) Tj ET Q q 0 0 0 rg BT 141.49 145.15 Td (oungwood \(212\)?70-7325) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 365.25 145.15 Td (Media Contact:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.99 145.15 Td ( Kristin C. Lemkau \(212\)?70-7454) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 133.48 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 129.85 Td ( For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 130.75 129.85 Td ( financial measures, including managed basis reporting, see page 12.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 350.23 133.48 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.53 129.85 Td (For additional notes on financial measures, see page 13.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 121.48 Td (2 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 117.85 Td (Percentage comparisons noted in the bullet points are calculated versus the prior) Tj ET Q q 0 0 0 rg BT 308.77 117.85 Td (-year second quarter) Tj ET Q q 0 0 0 rg BT 373.62 117.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 109.48 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 105.85 Td ( Second quarter results also included other less significant \(positive and negative\) non-core items.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 97.48 Td (4 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 93.85 Td (The ) Tj ET Q q 0 0 0 rg BT 66.34 93.85 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 102.98 93.85 Td (amount ) Tj ET Q q 0 0 0 rg BT 128.98 93.85 Td (is ) Tj ET Q q 0 0 0 rg BT 136.31 93.85 Td (presented ) Tj ET Q q 0 0 0 rg BT 168.97 93.85 Td (on ) Tj ET Q q 0 0 0 rg BT 178.97 93.85 Td (a ) Tj ET Q q 0 0 0 rg BT 184.52 93.85 Td (trade-date ) Tj ET Q q 0 0 0 rg BT 218.49 93.85 Td (basis.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 85.48 Td (5 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 81.85 Td (Represents ) Tj ET Q q 0 0 0 rg BT 89.00 81.85 Td (the ) Tj ET Q q 0 0 0 rg BT 100.77 81.85 Td (estimated ) Tj ET Q q 0 0 0 rg BT 133.43 81.85 Td (impact ) Tj ET Q q 0 0 0 rg BT 157.20 81.85 Td (of ) Tj ET Q q 0 0 0 rg BT 165.86 81.85 Td (Basel ) Tj ET Q q 0 0 0 rg BT 185.64 81.85 Td (III ) Tj ET Q q 0 0 0 rg BT 195.19 81.85 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 229.62 81.85 Td (fully ) Tj ET Q q 0 0 0 rg BT 246.73 81.85 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 279.83 81.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 303.15 81.85 Td (rules ) Tj ET Q q 0 0 0 rg BT 320.70 81.85 Td (the ) Tj ET Q q 0 0 0 rg BT 332.47 81.85 Td (Firm ) Tj ET Q q 0 0 0 rg BT 350.03 81.85 Td (will ) Tj ET Q q 0 0 0 rg BT 364.48 81.85 Td (be ) Tj ET Q q 0 0 0 rg BT 374.03 81.85 Td (subject ) Tj ET Q q 0 0 0 rg BT 398.69 81.85 Td (to ) Tj ET Q q 0 0 0 rg BT 406.91 81.85 Td (as ) Tj ET Q q 0 0 0 rg BT 415.58 81.85 Td (of ) Tj ET Q q 0 0 0 rg BT 424.24 81.85 Td (January ) Tj ET Q q 0 0 0 rg BT 451.12 81.85 Td (1, ) Tj ET Q q 0 0 0 rg BT 459.12 81.85 Td (2019.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 73.48 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 69.85 Td ( Liquidity Coverage Ratio \("LCR"\) is based on the current understanding of the proposed rules.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 61.48 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 57.85 Td ( HQLA) Tj ET Q q 0 0 0 rg BT 74.38 57.85 Td ( \(High Quality Liquid ) Tj ET Q q 0 0 0 rg BT 149.48 57.85 Td (Assets\) is the estimated amount of assets that will qualify for inclusion in the Basel III Liquidity Coverage Ratio.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 49.48 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 45.85 Td ( Reflects the U.S. Final Leverage Ratio NPR issued on ) Tj ET Q q 0 0 0 rg BT 227.46 45.85 Td (April 8, 2014.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 208.00 0 0 15.00 346.00 729.02 cm /I17 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 24.60 Td (2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 45.00 719.20 Td (New ) Tj ET Q q 0 0 0 rg BT 68.64 719.20 Td (Y) Tj ET Q q 0 0 0 rg BT 75.36 719.20 Td (ork, ) Tj ET Q q 0 0 0 rg BT 97.98 719.20 Td (July ) Tj ET Q q 0 0 0 rg BT 121.52 719.20 Td (15, ) Tj ET Q q 0 0 0 rg BT 138.64 719.20 Td (2014 ) Tj ET Q q 0 0 0 rg BT 164.01 719.20 Td (- ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 171.04 719.20 Td (JPMor) Tj ET Q q 0 0 0 rg BT 202.83 719.20 Td (ganChase ) Tj ET Q q 0 0 0 rg BT 256.16 719.20 Td (& ) Tj ET Q q 0 0 0 rg BT 269.16 719.20 Td (Co. ) Tj ET Q q 0 0 0 rg BT 289.84 719.20 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 332.18 719.20 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 361.87 719.20 Td (today ) Tj ET Q q 0 0 0 rg BT 392.20 719.20 Td (reported ) Tj ET Q q 0 0 0 rg BT 435.85 719.20 Td (net ) Tj ET Q q 0 0 0 rg BT 454.19 719.20 Td (income ) Tj ET Q q 0 0 0 rg BT 493.18 719.20 Td (for ) Tj ET Q q 0 0 0 rg BT 510.85 719.20 Td (the ) Tj ET Q q 0 0 0 rg BT 529.18 719.20 Td (second ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 704.80 Td (quarter ) Tj ET Q q 0 0 0 rg BT 83.14 704.80 Td (of ) Tj ET Q q 0 0 0 rg BT 97.30 704.80 Td (2014 ) Tj ET Q q 0 0 0 rg BT 125.47 704.80 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 139.63 704.80 Td ($6.0 ) Tj ET Q q 0 0 0 rg BT 164.79 704.80 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 196.13 704.80 Td (, ) Tj ET Q q 0 0 0 rg BT 203.29 704.80 Td (compared ) Tj ET Q q 0 0 0 rg BT 254.77 704.80 Td (with ) Tj ET Q q 0 0 0 rg BT 280.27 704.80 Td (net ) Tj ET Q q 0 0 0 rg BT 299.09 704.80 Td (income ) Tj ET Q q 0 0 0 rg BT 338.58 704.80 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 352.74 704.80 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 377.90 704.80 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 409.24 704.80 Td ( ) Tj ET Q q 0 0 0 rg BT 413.40 704.80 Td (in ) Tj ET Q q 0 0 0 rg BT 426.90 704.80 Td (the ) Tj ET Q q 0 0 0 rg BT 445.72 704.80 Td (second ) Tj ET Q q 0 0 0 rg BT 483.21 704.80 Td (quarter ) Tj ET Q q 0 0 0 rg BT 521.35 704.80 Td (of ) Tj ET Q q 0 0 0 rg BT 535.51 704.80 Td (2013. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 690.40 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 90.51 690.40 Td (per ) Tj ET Q q 0 0 0 rg BT 108.68 690.40 Td (share ) Tj ET Q q 0 0 0 rg BT 136.85 690.40 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 163.01 690.40 Td ($1.46) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 190.01 690.40 Td (, ) Tj ET Q q 0 0 0 rg BT 195.86 690.40 Td (compared ) Tj ET Q q 0 0 0 rg BT 246.02 690.40 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 270.21 690.40 Td ($1.60) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 297.21 690.40 Td ( ) Tj ET Q q 0 0 0 rg BT 300.06 690.40 Td (in ) Tj ET Q q 0 0 0 rg BT 312.24 690.40 Td (the ) Tj ET Q q 0 0 0 rg BT 329.75 690.40 Td (second ) Tj ET Q q 0 0 0 rg BT 365.93 690.40 Td (quarter ) Tj ET Q q 0 0 0 rg BT 402.76 690.40 Td (of ) Tj ET Q q 0 0 0 rg BT 415.60 690.40 Td (2013. ) Tj ET Q q 0 0 0 rg BT 445.45 690.40 Td (Revenue) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 487.44 695.84 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 491.33 690.40 Td ( ) Tj ET Q q 0 0 0 rg BT 494.19 690.40 Td (for ) Tj ET Q q 0 0 0 rg BT 511.03 690.40 Td (the ) Tj ET Q q 0 0 0 rg BT 528.54 690.40 Td (quarter ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 676.00 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 66.38 676.00 Td ($25.3 ) Tj ET Q q 0 0 0 rg BT 96.10 676.00 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 127.44 676.00 Td (, ) Tj ET Q q 0 0 0 rg BT 133.16 676.00 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 162.54 676.00 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 168.54 676.00 Td (% ) Tj ET Q q 0 0 0 rg BT 181.26 676.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 231.29 676.00 Td (with ) Tj ET Q q 0 0 0 rg BT 255.34 676.00 Td (the ) Tj ET Q q 0 0 0 rg BT 272.72 676.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 298.77 676.00 Td (year) Tj ET Q q 0 0 0 rg BT 318.76 676.00 Td (. ) Tj ET Q q 0 0 0 rg BT 324.28 676.00 Td (The ) Tj ET Q q 0 0 0 rg BT 345.66 676.00 Td (Firm? Tj ET Q q 0 0 0 rg BT 372.33 676.00 Td (s ) Tj ET Q q 0 0 0 rg BT 379.72 676.00 Td (return ) Tj ET Q q 0 0 0 rg BT 411.09 676.00 Td (on ) Tj ET Q q 0 0 0 rg BT 425.81 676.00 Td (tangible ) Tj ET Q q 0 0 0 rg BT 467.19 676.00 Td (common ) Tj ET Q q 0 0 0 rg BT 511.90 676.00 Td (equity) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 541.90 681.44 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 545.79 676.00 Td ( ) Tj ET Q q 0 0 0 rg BT 548.51 676.00 Td (for ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 661.60 Td (the ) Tj ET Q q 0 0 0 rg BT 63.83 661.60 Td (second ) Tj ET Q q 0 0 0 rg BT 101.31 661.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 139.46 661.60 Td (of ) Tj ET Q q 0 0 0 rg BT 153.62 661.60 Td (2014 ) Tj ET Q q 0 0 0 rg BT 181.79 661.60 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 204.62 661.60 Td (14) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 216.62 661.60 Td (%, ) Tj ET Q q 0 0 0 rg BT 233.78 661.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 285.25 661.60 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 310.75 661.60 Td (17) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 322.75 661.60 Td (% ) Tj ET Q q 0 0 0 rg BT 336.91 661.60 Td (in ) Tj ET Q q 0 0 0 rg BT 350.41 661.60 Td (the ) Tj ET Q q 0 0 0 rg BT 369.24 661.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 396.73 661.60 Td (year) Tj ET Q q 0 0 0 rg BT 416.72 661.60 Td (. ) Tj ET Q q 0 0 0 rg BT 423.88 661.60 Td (Core ) Tj ET Q q 0 0 0 rg BT 451.38 661.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 480.87 661.60 Td (increased ) Tj ET Q q 0 0 0 rg BT 530.34 661.60 Td (by ) Tj ET Q q 0 0 0 rg BT 546.51 661.60 Td (8% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 647.20 Td (compared ) Tj ET Q q 0 0 0 rg BT 95.31 647.20 Td (with ) Tj ET Q q 0 0 0 rg BT 119.64 647.20 Td (the ) Tj ET Q q 0 0 0 rg BT 137.30 647.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 163.63 647.20 Td (year) Tj ET Q q 0 0 0 rg BT 183.62 647.20 Td (. ) Tj ET Q q 0 0 0 rg BT 189.40 647.20 Td (The ) Tj ET Q q 0 0 0 rg BT 211.05 647.20 Td (Firm ) Tj ET Q q 0 0 0 rg BT 237.39 647.20 Td (repurchased ) Tj ET Q q 0 0 0 rg BT 298.36 647.20 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 322.36 647.20 Td (billion ) Tj ET Q q 0 0 0 rg BT 356.70 647.20 Td (of ) Tj ET Q q 0 0 0 rg BT 369.69 647.20 Td (common ) Tj ET Q q 0 0 0 rg BT 414.69 647.20 Td (equity ) Tj ET Q q 0 0 0 rg BT 447.68 647.20 Td (in ) Tj ET Q q 0 0 0 rg BT 460.01 647.20 Td (the ) Tj ET Q q 0 0 0 rg BT 477.67 647.20 Td (second ) Tj ET Q q 0 0 0 rg BT 514.00 647.20 Td (quarter) Tj ET Q q 0 0 0 rg BT 547.31 647.20 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 626.80 Td (Jamie ) Tj ET Q q 0 0 0 rg BT 75.17 626.80 Td (Dimon, ) Tj ET Q q 0 0 0 rg BT 113.69 626.80 Td (Chairman ) Tj ET Q q 0 0 0 rg BT 163.19 626.80 Td (and ) Tj ET Q q 0 0 0 rg BT 182.70 626.80 Td (Chief ) Tj ET Q q 0 0 0 rg BT 211.54 626.80 Td (Executive ) Tj ET Q q 0 0 0 rg BT 261.70 626.80 Td (Of) Tj ET Q q 0 0 0 rg BT 274.15 626.80 Td (ficer) Tj ET Q q 0 0 0 rg BT 295.65 626.80 Td (, ) Tj ET Q q 0 0 0 rg BT 300.83 626.80 Td (commented ) Tj ET Q q 0 0 0 rg BT 358.99 626.80 Td (on ) Tj ET Q q 0 0 0 rg BT 373.17 626.80 Td (the ) Tj ET Q q 0 0 0 rg BT 390.02 626.80 Td (financial ) Tj ET Q q 0 0 0 rg BT 434.18 626.80 Td (results: ) Tj ET Q q 0 0 0 rg BT 471.02 626.80 Td (Despite ) Tj ET Q q 0 0 0 rg BT 515.19 626.80 Td (continued ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 612.40 Td (industry-wide ) Tj ET Q q 0 0 0 rg BT 116.32 612.40 Td (headwinds ) Tj ET Q q 0 0 0 rg BT 172.30 612.40 Td (in ) Tj ET Q q 0 0 0 rg BT 186.30 612.40 Td (Markets ) Tj ET Q q 0 0 0 rg BT 230.28 612.40 Td (and ) Tj ET Q q 0 0 0 rg BT 252.27 612.40 Td (Mortgage, ) Tj ET Q q 0 0 0 rg BT 306.59 612.40 Td (the ) Tj ET Q q 0 0 0 rg BT 325.91 612.40 Td (firm ) Tj ET Q q 0 0 0 rg BT 351.23 612.40 Td (has ) Tj ET Q q 0 0 0 rg BT 371.89 612.40 Td (continued ) Tj ET Q q 0 0 0 rg BT 423.87 612.40 Td (to ) Tj ET Q q 0 0 0 rg BT 437.87 612.40 Td (deliver ) Tj ET Q q 0 0 0 rg BT 475.85 612.40 Td (strong ) Tj ET Q q 0 0 0 rg BT 510.51 612.40 Td (underlying ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 598.00 Td (performance. ) Tj ET Q q 0 0 0 rg BT 112.62 598.00 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 165.95 598.00 Td (& ) Tj ET Q q 0 0 0 rg BT 179.28 598.00 Td (Community ) Tj ET Q q 0 0 0 rg BT 240.62 598.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 285.28 598.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 323.94 598.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 361.93 598.00 Td (and ) Tj ET Q q 0 0 0 rg BT 383.25 598.00 Td (card ) Tj ET Q q 0 0 0 rg BT 407.89 598.00 Td (sales ) Tj ET Q q 0 0 0 rg BT 435.22 598.00 Td (volume ) Tj ET Q q 0 0 0 rg BT 475.21 598.00 Td (both ) Tj ET Q q 0 0 0 rg BT 500.54 598.00 Td (outpaced ) Tj ET Q q 0 0 0 rg BT 547.85 598.00 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 583.60 Td (industry) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 84.33 589.04 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 88.23 583.60 Td (, ) Tj ET Q q 0 0 0 rg BT 94.25 583.60 Td (and ) Tj ET Q q 0 0 0 rg BT 114.59 583.60 Td (we ) Tj ET Q q 0 0 0 rg BT 131.60 583.60 Td (had ) Tj ET Q q 0 0 0 rg BT 151.95 583.60 Td (record ) Tj ET Q q 0 0 0 rg BT 185.61 583.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 209.29 583.60 Td (originations ) Tj ET Q q 0 0 0 rg BT 269.63 583.60 Td (in ) Tj ET Q q 0 0 0 rg BT 281.99 583.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 327.68 583.60 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 374.14 583.60 Td (The ) Tj ET Q q 0 0 0 rg BT 395.81 583.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 446.81 583.60 Td (& ) Tj ET Q q 0 0 0 rg BT 459.17 583.60 Td (Investment ) Tj ET Q q 0 0 0 rg BT 515.50 583.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 543.85 583.60 Td (saw ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 569.20 Td (strong ) Tj ET Q q 0 0 0 rg BT 77.60 569.20 Td (performance ) Tj ET Q q 0 0 0 rg BT 140.82 569.20 Td (in ) Tj ET Q q 0 0 0 rg BT 152.75 569.20 Td (fees ) Tj ET Q q 0 0 0 rg BT 174.66 569.20 Td (with ) Tj ET Q q 0 0 0 rg BT 198.59 569.20 Td (#1 ) Tj ET Q q 0 0 0 rg BT 213.19 569.20 Td (position ) Tj ET Q q 0 0 0 rg BT 254.46 569.20 Td (in ) Tj ET Q q 0 0 0 rg BT 266.38 569.20 Td (Global ) Tj ET Q q 0 0 0 rg BT 301.64 569.20 Td (IB ) Tj ET Q q 0 0 0 rg BT 316.24 569.20 Td (fees ) Tj ET Q q 0 0 0 rg BT 337.77 569.20 Td (YTD, ) Tj ET Q q 0 0 0 rg BT 368.02 569.20 Td (global ) Tj ET Q q 0 0 0 rg BT 400.61 569.20 Td (debt ) Tj ET Q q 0 0 0 rg BT 423.87 569.20 Td (and ) Tj ET Q q 0 0 0 rg BT 443.79 569.20 Td (equity) Tj ET Q q 0 0 0 rg BT 473.01 569.20 Td (, ) Tj ET Q q 0 0 0 rg BT 478.60 569.20 Td (global ) Tj ET Q q 0 0 0 rg BT 511.19 569.20 Td (syndicated ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 554.80 Td (loans ) Tj ET Q q 0 0 0 rg BT 72.94 554.80 Td (and ) Tj ET Q q 0 0 0 rg BT 92.88 554.80 Td (global ) Tj ET Q q 0 0 0 rg BT 125.48 554.80 Td (long-term ) Tj ET Q q 0 0 0 rg BT 175.41 554.80 Td (debt. ) Tj ET Q q 0 0 0 rg BT 201.68 554.80 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 263.61 554.80 Td (Banking ) Tj ET Q q 0 0 0 rg BT 306.88 554.80 Td (clients ) Tj ET Q q 0 0 0 rg BT 340.82 554.80 Td (generated ) Tj ET Q q 0 0 0 rg BT 390.06 554.80 Td (record ) Tj ET Q q 0 0 0 rg BT 423.32 554.80 Td (investment ) Tj ET Q q 0 0 0 rg BT 478.58 554.80 Td (banking ) Tj ET Q q 0 0 0 rg BT 519.86 554.80 Td (revenues ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 540.40 Td (in ) Tj ET Q q 0 0 0 rg BT 57.33 540.40 Td (the ) Tj ET Q q 0 0 0 rg BT 74.99 540.40 Td (first ) Tj ET Q q 0 0 0 rg BT 97.32 540.40 Td (half ) Tj ET Q q 0 0 0 rg BT 118.98 540.40 Td (of ) Tj ET Q q 0 0 0 rg BT 131.98 540.40 Td (the ) Tj ET Q q 0 0 0 rg BT 149.64 540.40 Td (year) Tj ET Q q 0 0 0 rg BT 169.62 540.40 Td (. ) Tj ET Q q 0 0 0 rg BT 174.96 540.40 Td (Asset ) Tj ET Q q 0 0 0 rg BT 204.63 540.40 Td (Management ) Tj ET Q q 0 0 0 rg BT 270.27 540.40 Td (had ) Tj ET Q q 0 0 0 rg BT 290.60 540.40 Td (excellent ) Tj ET Q q 0 0 0 rg BT 336.90 540.40 Td (performance ) Tj ET Q q 0 0 0 rg BT 400.53 540.40 Td (across ) Tj ET Q q 0 0 0 rg BT 433.52 540.40 Td (all ) Tj ET Q q 0 0 0 rg BT 448.51 540.40 Td (measures.? Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 520.00 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 81.80 520.00 Td (continued: ) Tj ET Q q 0 0 0 rg BT 135.92 520.00 Td (T) Tj ET Q q 0 0 0 rg BT 147.74 520.00 Td (oward ) Tj ET Q q 0 0 0 rg BT 181.19 520.00 Td (the ) Tj ET Q q 0 0 0 rg BT 199.31 520.00 Td (end ) Tj ET Q q 0 0 0 rg BT 220.10 520.00 Td (of ) Tj ET Q q 0 0 0 rg BT 233.56 520.00 Td (the ) Tj ET Q q 0 0 0 rg BT 251.69 520.00 Td (second ) Tj ET Q q 0 0 0 rg BT 288.47 520.00 Td (quarter) Tj ET Q q 0 0 0 rg BT 321.97 520.00 Td (, ) Tj ET Q q 0 0 0 rg BT 328.44 520.00 Td (we ) Tj ET Q q 0 0 0 rg BT 345.89 520.00 Td (saw ) Tj ET Q q 0 0 0 rg BT 368.02 520.00 Td (encouraging ) Tj ET Q q 0 0 0 rg BT 430.79 520.00 Td (signs ) Tj ET Q q 0 0 0 rg BT 458.93 520.00 Td (across ) Tj ET Q q 0 0 0 rg BT 492.38 520.00 Td (our ) Tj ET Q q 0 0 0 rg BT 511.84 520.00 Td (businesses ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 505.60 Td (including ) Tj ET Q q 0 0 0 rg BT 92.99 505.60 Td (an ) Tj ET Q q 0 0 0 rg BT 106.98 505.60 Td (uptick ) Tj ET Q q 0 0 0 rg BT 139.64 505.60 Td (in ) Tj ET Q q 0 0 0 rg BT 151.63 505.60 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 202.28 505.60 Td (utilization, ) Tj ET Q q 0 0 0 rg BT 256.60 505.60 Td (strengthening ) Tj ET Q q 0 0 0 rg BT 324.58 505.60 Td (pipelines ) Tj ET Q q 0 0 0 rg BT 370.57 505.60 Td (in ) Tj ET Q q 0 0 0 rg BT 382.57 505.60 Td (our ) Tj ET Q q 0 0 0 rg BT 401.23 505.60 Td (commercial ) Tj ET Q q 0 0 0 rg BT 460.53 505.60 Td (and ) Tj ET Q q 0 0 0 rg BT 480.52 505.60 Td (business ) Tj ET Q q 0 0 0 rg BT 523.85 505.60 Td (banking ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 491.20 Td (segments, ) Tj ET Q q 0 0 0 rg BT 96.12 491.20 Td (and ) Tj ET Q q 0 0 0 rg BT 116.90 491.20 Td (some ) Tj ET Q q 0 0 0 rg BT 145.68 491.20 Td (improvements ) Tj ET Q q 0 0 0 rg BT 217.79 491.20 Td (in ) Tj ET Q q 0 0 0 rg BT 230.58 491.20 Td (markets ) Tj ET Q q 0 0 0 rg BT 272.02 491.20 Td (activity) Tj ET Q q 0 0 0 rg BT 307.23 491.20 Td (. ) Tj ET Q q 0 0 0 rg BT 313.44 491.20 Td (While ) Tj ET Q q 0 0 0 rg BT 346.22 491.20 Td (it ) Tj ET Q q 0 0 0 rg BT 356.34 491.20 Td (is ) Tj ET Q q 0 0 0 rg BT 367.80 491.20 Td (too ) Tj ET Q q 0 0 0 rg BT 386.59 491.20 Td (early ) Tj ET Q q 0 0 0 rg BT 414.03 491.20 Td (to ) Tj ET Q q 0 0 0 rg BT 426.82 491.20 Td (assume ) Tj ET Q q 0 0 0 rg BT 465.60 491.20 Td (that ) Tj ET Q q 0 0 0 rg BT 487.05 491.20 Td (this ) Tj ET Q q 0 0 0 rg BT 507.84 491.20 Td (momentum ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 476.80 Td (will ) Tj ET Q q 0 0 0 rg BT 66.67 476.80 Td (continue, ) Tj ET Q q 0 0 0 rg BT 113.99 476.80 Td (we ) Tj ET Q q 0 0 0 rg BT 130.98 476.80 Td (have ) Tj ET Q q 0 0 0 rg BT 156.63 476.80 Td (confidence ) Tj ET Q q 0 0 0 rg BT 212.27 476.80 Td (in ) Tj ET Q q 0 0 0 rg BT 224.60 476.80 Td (the ) Tj ET Q q 0 0 0 rg BT 242.26 476.80 Td (long-term ) Tj ET Q q 0 0 0 rg BT 292.58 476.80 Td (growth ) Tj ET Q q 0 0 0 rg BT 329.58 476.80 Td (of ) Tj ET Q q 0 0 0 rg BT 342.57 476.80 Td (the ) Tj ET Q q 0 0 0 rg BT 360.23 476.80 Td (economy) Tj ET Q q 0 0 0 rg BT 403.44 476.80 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 456.40 Td ("Consumers, ) Tj ET Q q 0 0 0 rg BT 108.88 456.40 Td (middle ) Tj ET Q q 0 0 0 rg BT 144.19 456.40 Td (market ) Tj ET Q q 0 0 0 rg BT 179.49 456.40 Td (companies ) Tj ET Q q 0 0 0 rg BT 232.79 456.40 Td (and ) Tj ET Q q 0 0 0 rg BT 252.10 456.40 Td (corporations ) Tj ET Q q 0 0 0 rg BT 314.07 456.40 Td (are ) Tj ET Q q 0 0 0 rg BT 330.70 456.40 Td (in ) Tj ET Q q 0 0 0 rg BT 342.02 456.40 Td (increasingly ) Tj ET Q q 0 0 0 rg BT 402.65 456.40 Td (good ) Tj ET Q q 0 0 0 rg BT 428.63 456.40 Td (financial ) Tj ET Q q 0 0 0 rg BT 472.59 456.40 Td (shape ) Tj ET Q q 0 0 0 rg BT 501.90 456.40 Td (and ) Tj ET Q q 0 0 0 rg BT 521.21 456.40 Td (the ) Tj ET Q q 0 0 0 rg BT 537.85 456.40 Td (labor ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 442.00 Td (market ) Tj ET Q q 0 0 0 rg BT 82.54 442.00 Td (is ) Tj ET Q q 0 0 0 rg BT 94.78 442.00 Td (showing ) Tj ET Q q 0 0 0 rg BT 139.67 442.00 Td (steady ) Tj ET Q q 0 0 0 rg BT 174.56 442.00 Td (improvement. ) Tj ET Q q 0 0 0 rg BT 245.77 442.00 Td (JPMor) Tj ET Q q 0 0 0 rg BT 277.56 442.00 Td (gan ) Tj ET Q q 0 0 0 rg BT 299.12 442.00 Td (Chase ) Tj ET Q q 0 0 0 rg BT 332.67 442.00 Td (provided ) Tj ET Q q 0 0 0 rg BT 379.55 442.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 411.10 442.00 Td (and ) Tj ET Q q 0 0 0 rg BT 432.65 442.00 Td (raised ) Tj ET Q q 0 0 0 rg BT 465.53 442.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 501.74 442.00 Td (of ) Tj ET Q q 0 0 0 rg BT 515.96 442.00 Td (over ) Tj ET Q q 0 0 0 rg BT 541.51 442.00 Td ($1.0 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 427.60 Td (trillion ) Tj ET Q q 0 0 0 rg BT 80.67 427.60 Td (for ) Tj ET Q q 0 0 0 rg BT 97.66 427.60 Td (our ) Tj ET Q q 0 0 0 rg BT 116.65 427.60 Td (clients ) Tj ET Q q 0 0 0 rg BT 150.98 427.60 Td (during ) Tj ET Q q 0 0 0 rg BT 185.31 427.60 Td (the ) Tj ET Q q 0 0 0 rg BT 202.97 427.60 Td (first ) Tj ET Q q 0 0 0 rg BT 225.30 427.60 Td (half ) Tj ET Q q 0 0 0 rg BT 246.96 427.60 Td (of ) Tj ET Q q 0 0 0 rg BT 259.95 427.60 Td (2014, ) Tj ET Q q 0 0 0 rg BT 289.95 427.60 Td (which ) Tj ET Q q 0 0 0 rg BT 322.28 427.60 Td (included ) Tj ET Q q 0 0 0 rg BT 366.60 427.60 Td ($10 ) Tj ET Q q 0 0 0 rg BT 387.60 427.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 421.93 427.60 Td (for ) Tj ET Q q 0 0 0 rg BT 438.93 427.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 463.27 427.60 Td (small ) Tj ET Q q 0 0 0 rg BT 492.26 427.60 Td (businesses.? Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 407.20 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 81.23 407.20 Td (concluded: ) Tj ET Q q 0 0 0 rg BT 136.77 407.20 Td (This ) Tj ET Q q 0 0 0 rg BT 166.33 407.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 203.20 407.20 Td (marked ) Tj ET Q q 0 0 0 rg BT 242.08 407.20 Td (the ) Tj ET Q q 0 0 0 rg BT 259.64 407.20 Td (10-year ) Tj ET Q q 0 0 0 rg BT 299.18 407.20 Td (anniversary ) Tj ET Q q 0 0 0 rg BT 358.05 407.20 Td (of ) Tj ET Q q 0 0 0 rg BT 370.94 407.20 Td (JPMor) Tj ET Q q 0 0 0 rg BT 402.73 407.20 Td (gan ) Tj ET Q q 0 0 0 rg BT 422.96 407.20 Td (Chase ) Tj ET Q q 0 0 0 rg BT 455.18 407.20 Td (and ) Tj ET Q q 0 0 0 rg BT 475.40 407.20 Td (Bank ) Tj ET Q q 0 0 0 rg BT 503.63 407.20 Td (One ) Tj ET Q q 0 0 0 rg BT 526.51 407.20 Td (coming ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 392.80 Td (together ) Tj ET Q q 0 0 0 rg BT 87.29 392.80 Td (?) Tj ET Q q 0 0 0 rg BT 96.27 392.80 Td (the ) Tj ET Q q 0 0 0 rg BT 113.90 392.80 Td (company ) Tj ET Q q 0 0 0 rg BT 160.86 392.80 Td (overcame ) Tj ET Q q 0 0 0 rg BT 210.47 392.80 Td (significant ) Tj ET Q q 0 0 0 rg BT 264.10 392.80 Td (challenges ) Tj ET Q q 0 0 0 rg BT 317.72 392.80 Td (and ) Tj ET Q q 0 0 0 rg BT 338.02 392.80 Td (achieved ) Tj ET Q q 0 0 0 rg BT 383.64 392.80 Td (extraordinary ) Tj ET Q q 0 0 0 rg BT 451.25 392.80 Td (things ) Tj ET Q q 0 0 0 rg BT 483.56 392.80 Td (during ) Tj ET Q q 0 0 0 rg BT 517.86 392.80 Td (this ) Tj ET Q q 0 0 0 rg BT 538.18 392.80 Td (time. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 378.40 Td (Each ) Tj ET Q q 0 0 0 rg BT 70.61 378.40 Td (of ) Tj ET Q q 0 0 0 rg BT 82.23 378.40 Td (our ) Tj ET Q q 0 0 0 rg BT 99.86 378.40 Td (businesses ) Tj ET Q q 0 0 0 rg BT 152.15 378.40 Td (is ) Tj ET Q q 0 0 0 rg BT 161.78 378.40 Td (among ) Tj ET Q q 0 0 0 rg BT 196.07 378.40 Td (the ) Tj ET Q q 0 0 0 rg BT 212.36 378.40 Td (best ) Tj ET Q q 0 0 0 rg BT 233.31 378.40 Td (in ) Tj ET Q q 0 0 0 rg BT 244.28 378.40 Td (the ) Tj ET Q q 0 0 0 rg BT 260.56 378.40 Td (world, ) Tj ET Q q 0 0 0 rg BT 293.19 378.40 Td (with ) Tj ET Q q 0 0 0 rg BT 316.15 378.40 Td (increased ) Tj ET Q q 0 0 0 rg BT 363.08 378.40 Td (market ) Tj ET Q q 0 0 0 rg BT 398.02 378.40 Td (share, ) Tj ET Q q 0 0 0 rg BT 427.97 378.40 Td (strong ) Tj ET Q q 0 0 0 rg BT 459.60 378.40 Td (earnings ) Tj ET Q q 0 0 0 rg BT 501.88 378.40 Td (performance ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 364.00 Td (and ) Tj ET Q q 0 0 0 rg BT 65.67 364.00 Td (power) Tj ET Q q 0 0 0 rg BT 95.18 364.00 Td (, ) Tj ET Q q 0 0 0 rg BT 101.52 364.00 Td (and ) Tj ET Q q 0 0 0 rg BT 122.18 364.00 Td (an ) Tj ET Q q 0 0 0 rg BT 136.85 364.00 Td (unwavering ) Tj ET Q q 0 0 0 rg BT 196.84 364.00 Td (focus ) Tj ET Q q 0 0 0 rg BT 226.17 364.00 Td (on ) Tj ET Q q 0 0 0 rg BT 241.52 364.00 Td (serving ) Tj ET Q q 0 0 0 rg BT 280.18 364.00 Td (our ) Tj ET Q q 0 0 0 rg BT 299.52 364.00 Td (clients, ) Tj ET Q q 0 0 0 rg BT 337.19 364.00 Td (communities ) Tj ET Q q 0 0 0 rg BT 402.52 364.00 Td (and ) Tj ET Q q 0 0 0 rg BT 423.19 364.00 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 487.17 364.00 Td (with ) Tj ET Q q 0 0 0 rg BT 511.85 364.00 Td (distinction ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 349.60 Td (and ) Tj ET Q q 0 0 0 rg BT 66.24 349.60 Td (dedication. ) Tj ET Q q 0 0 0 rg BT 122.85 349.60 Td (W) Tj ET Q q 0 0 0 rg BT 133.21 349.60 Td (e ) Tj ET Q q 0 0 0 rg BT 142.45 349.60 Td (continue ) Tj ET Q q 0 0 0 rg BT 187.69 349.60 Td (our ) Tj ET Q q 0 0 0 rg BT 207.59 349.60 Td (progress ) Tj ET Q q 0 0 0 rg BT 252.17 349.60 Td (on ) Tj ET Q q 0 0 0 rg BT 268.08 349.60 Td (adapting ) Tj ET Q q 0 0 0 rg BT 313.31 349.60 Td (to ) Tj ET Q q 0 0 0 rg BT 326.56 349.60 Td (the ) Tj ET Q q 0 0 0 rg BT 345.13 349.60 Td (new ) Tj ET Q q 0 0 0 rg BT 369.04 349.60 Td (global ) Tj ET Q q 0 0 0 rg BT 402.94 349.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 448.83 349.60 Td (architecture ) Tj ET Q q 0 0 0 rg BT 509.37 349.60 Td (and ) Tj ET Q q 0 0 0 rg BT 530.61 349.60 Td (on ) Tj ET Q q 0 0 0 rg BT 546.52 349.60 Td (our ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 335.20 Td (control ) Tj ET Q q 0 0 0 rg BT 81.99 335.20 Td (agenda. ) Tj ET Q q 0 0 0 rg BT 121.97 335.20 Td (My ) Tj ET Q q 0 0 0 rg BT 141.64 335.20 Td (pride ) Tj ET Q q 0 0 0 rg BT 169.29 335.20 Td (in ) Tj ET Q q 0 0 0 rg BT 181.63 335.20 Td (the ) Tj ET Q q 0 0 0 rg BT 199.29 335.20 Td (company ) Tj ET Q q 0 0 0 rg BT 246.28 335.20 Td (is ) Tj ET Q q 0 0 0 rg BT 257.28 335.20 Td (greater ) Tj ET Q q 0 0 0 rg BT 293.58 335.20 Td (than ) Tj ET Q q 0 0 0 rg BT 317.24 335.20 Td (ever) Tj ET Q q 0 0 0 rg BT 337.23 335.20 Td (.? Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 305.20 Td (In the discussion below of the business segments and of JPMor) Tj ET Q q 0 0 0 rg BT 296.83 305.20 Td (gan Chase as a Firm, information is pr) Tj ET Q q 0 0 0 rg BT 453.13 305.20 Td (esented on a managed ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 293.20 Td (basis. For mor) Tj ET Q q 0 0 0 rg BT 103.80 293.20 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 359.72 293.20 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 429.35 293.20 Td (es used by management to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 281.20 Td (evaluate the performance of each line of business, see page 12. The following discussion compar) Tj ET Q q 0 0 0 rg BT 432.35 281.20 Td (es the second quarters of 2014 ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 269.20 Td (and 2013 unless otherwise noted. Footnotes in the sections that follow ar) Tj ET Q q 0 0 0 rg BT 337.39 269.20 Td (e described on page 13.) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (CONSUMER & COMMUNITY) Tj ET Q q 0 0 0 rg BT 206.91 740.90 Td ( BANKING \(CCB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 730.4 m 50.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 730.4 m 231.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 231.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 276.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 730.4 m 280.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 280.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 325.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 730.4 m 329.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 730.4 m 329.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 730.4 m 374.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 730.4 m 378.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 730.4 m 378.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 730.4 m 423.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 715.4 m 423.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 730.4 m 468.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 715.4 m 468.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 730.4 m 472.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 715.4 m 472.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 730.4 m 472.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 730.4 m 517.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 715.4 m 517.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 730.4 m 562.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 730.4 m 562.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 562.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 715.4 m 50.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 715.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 276.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 700.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 715.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 325.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 700.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 715.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 374.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 700.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 715.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 715.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 468.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 700.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 715.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 715.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 50.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 276.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 276.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 685.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 325.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 685.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 374.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 685.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 468.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 468.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 685.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 700.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 50.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 276.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 276.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 670.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 325.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 670.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 374.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 670.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 468.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 468.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 670.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 685.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 50.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 276.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 276.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 655.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 325.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 655.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 374.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 655.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 468.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 468.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 655.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 670.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 50.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 640.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 276.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 640.4 m 276.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 640.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 640.4 m 325.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 640.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 640.4 m 374.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 640.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 640.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 468.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 640.4 m 468.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 640.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 640.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 655.4 m 562.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 640.4 m 562.5 640.4 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 720.27 Td (Results for CCB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 720.27 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 720.27 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 705.27 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 705.27 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 705.27 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 705.27 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 690.27 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 690.27 Td (11,431) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 690.27 Td (10,460) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 690.27 Td (12,015) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 690.27 Td (971) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 690.27 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 690.27 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 690.27 Td (\(584) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 690.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 690.27 Td (\(5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 690.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 675.27 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 675.27 Td (852) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 675.27 Td (816) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 355.60 675.27 Td (\(19) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 675.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 675.27 Td (36) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 675.27 Td (4) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 675.27 Td (871) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 675.27 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 660.27 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 660.27 Td (6,456) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 660.27 Td (6,437) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 660.27 Td (6,864) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 660.27 Td (19) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 660.27 Td (? Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 660.27 Td (\(408) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 660.27 Td (\(6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 645.27 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 645.27 Td (2,443) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 645.27 Td (1,936) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 645.27 Td (3,089) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 645.27 Td (507) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 645.27 Td (26) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 645.27 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 645.27 Td (\(646) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 645.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 645.27 Td (\(21) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 645.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 614.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 614.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 614.50 Td (Results: ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 600.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.69 600.10 Td (income ) Tj ET Q q 0 0 0 rg BT 107.38 600.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 128.41 600.10 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 151.78 600.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 183.11 600.10 Td (, ) Tj ET Q q 0 0 0 rg BT 188.48 600.10 Td (a ) Tj ET Q q 0 0 0 rg BT 196.17 600.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 239.84 600.10 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 252.20 600.10 Td ($646 ) Tj ET Q q 0 0 0 rg BT 278.57 600.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 313.24 600.10 Td (, ) Tj ET Q q 0 0 0 rg BT 318.61 600.10 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 330.97 600.10 Td (21) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 342.97 600.10 Td (%, ) Tj ET Q q 0 0 0 rg BT 358.33 600.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 408.01 600.10 Td (with ) Tj ET Q q 0 0 0 rg BT 431.71 600.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.74 600.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 474.43 600.10 Td (year) Tj ET Q q 0 0 0 rg BT 494.60 600.10 Td (, ) Tj ET Q q 0 0 0 rg BT 499.96 600.10 Td (due ) Tj ET Q q 0 0 0 rg BT 519.66 600.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.36 600.10 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 585.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 98.33 585.70 Td (for ) Tj ET Q q 0 0 0 rg BT 115.33 585.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.64 585.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 177.31 585.70 Td (and ) Tj ET Q q 0 0 0 rg BT 197.64 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 227.96 585.70 Td (net ) Tj ET Q q 0 0 0 rg BT 245.62 585.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 289.60 585.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 332.58 585.70 Td (of) Tj ET Q q 0 0 0 rg BT 342.36 585.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 362.69 585.70 Td (by ) Tj ET Q q 0 0 0 rg BT 377.69 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 408.01 585.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 464.33 585.70 Td (expense. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 565.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.97 565.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.59 565.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 131.90 565.30 Td ($1) Tj ET Q q 0 0 0 rg BT 143.45 565.30 Td (1.4 ) Tj ET Q q 0 0 0 rg BT 161.10 565.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 192.44 565.30 Td (, ) Tj ET Q q 0 0 0 rg BT 198.08 565.30 Td (a ) Tj ET Q q 0 0 0 rg BT 206.05 565.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 250.00 565.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 262.64 565.30 Td ($584 ) Tj ET Q q 0 0 0 rg BT 289.28 565.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 323.95 565.30 Td (, ) Tj ET Q q 0 0 0 rg BT 329.60 565.30 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 342.24 565.30 Td (5) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 348.24 565.30 Td (%, ) Tj ET Q q 0 0 0 rg BT 363.88 565.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 413.83 565.30 Td (with ) Tj ET Q q 0 0 0 rg BT 437.81 565.30 Td (the ) Tj ET Q q 0 0 0 rg BT 455.12 565.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.09 565.30 Td (year) Tj ET Q q 0 0 0 rg BT 501.08 565.30 Td (. ) Tj ET Q q 0 0 0 rg BT 506.72 565.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.70 565.30 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 550.90 Td (income ) Tj ET Q q 0 0 0 rg BT 89.37 550.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 112.08 550.90 Td ($7.0 ) Tj ET Q q 0 0 0 rg BT 137.13 550.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 168.47 550.90 Td (, ) Tj ET Q q 0 0 0 rg BT 175.52 550.90 Td (down ) Tj ET Q q 0 0 0 rg BT 206.24 550.90 Td ($131 ) Tj ET Q q 0 0 0 rg BT 234.29 550.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 276.01 550.90 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 290.05 550.90 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 296.05 550.90 Td (%, ) Tj ET Q q 0 0 0 rg BT 313.10 550.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 347.81 550.90 Td (by ) Tj ET Q q 0 0 0 rg BT 363.86 550.90 Td (spread ) Tj ET Q q 0 0 0 rg BT 399.22 550.90 Td (compression ) Tj ET Q q 0 0 0 rg BT 463.93 550.90 Td (and ) Tj ET Q q 0 0 0 rg BT 485.31 550.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 516.68 550.90 Td (mortgage ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 536.50 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 106.02 536.50 Td (balances, ) Tj ET Q q 0 0 0 rg BT 155.04 536.50 Td (lar) Tj ET Q q 0 0 0 rg BT 167.48 536.50 Td (gely ) Tj ET Q q 0 0 0 rg BT 192.86 536.50 Td (of) Tj ET Q q 0 0 0 rg BT 202.64 536.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 224.67 536.50 Td (by ) Tj ET Q q 0 0 0 rg BT 241.39 536.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 276.75 536.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 316.13 536.50 Td (balances. ) Tj ET Q q 0 0 0 rg BT 365.15 536.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 425.85 536.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 468.54 536.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 491.91 536.50 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 517.63 536.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 548.96 536.50 Td (, ) Tj ET Q q 0 0 0 rg BT 556.67 536.50 Td (a ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 522.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 94.30 522.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.29 522.10 Td ($453 ) Tj ET Q q 0 0 0 rg BT 134.29 522.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 174.96 522.10 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 187.96 522.10 Td (9) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 193.96 522.10 Td (%, ) Tj ET Q q 0 0 0 rg BT 209.96 522.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 243.61 522.10 Td (by ) Tj ET Q q 0 0 0 rg BT 258.61 522.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 288.93 522.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 337.25 522.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 359.57 522.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.89 522.10 Td (related ) Tj ET Q q 0 0 0 rg BT 415.54 522.10 Td (income.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 501.70 Td (The ) Tj ET Q q 0 0 0 rg BT 71.98 501.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.63 501.70 Td (for ) Tj ET Q q 0 0 0 rg BT 137.94 501.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.58 501.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.57 501.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 222.56 501.70 Td ($852 ) Tj ET Q q 0 0 0 rg BT 249.88 501.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 284.55 501.70 Td (, ) Tj ET Q q 0 0 0 rg BT 290.87 501.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 341.50 501.70 Td (with ) Tj ET Q q 0 0 0 rg BT 366.15 501.70 Td (a ) Tj ET Q q 0 0 0 rg BT 374.80 501.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 411.44 501.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 424.75 501.70 Td ($19 ) Tj ET Q q 0 0 0 rg BT 446.07 501.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 480.74 501.70 Td ( ) Tj ET Q q 0 0 0 rg BT 484.06 501.70 Td (in ) Tj ET Q q 0 0 0 rg BT 496.72 501.70 Td (the ) Tj ET Q q 0 0 0 rg BT 514.70 501.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 541.35 501.70 Td (year ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 487.30 Td (and ) Tj ET Q q 0 0 0 rg BT 70.06 487.30 Td (a ) Tj ET Q q 0 0 0 rg BT 78.13 487.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 126.20 487.30 Td (for ) Tj ET Q q 0 0 0 rg BT 142.92 487.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 172.98 487.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 204.38 487.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 217.12 487.30 Td ($816 ) Tj ET Q q 0 0 0 rg BT 243.85 487.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 278.52 487.30 Td ( ) Tj ET Q q 0 0 0 rg BT 281.26 487.30 Td (in ) Tj ET Q q 0 0 0 rg BT 293.33 487.30 Td (the ) Tj ET Q q 0 0 0 rg BT 310.72 487.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 336.79 487.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 370.10 487.30 Td (.? Tj ET Q q 0 0 0 rg BT 375.89 487.30 Td (The ) Tj ET Q q 0 0 0 rg BT 397.28 487.30 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 471.97 487.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 520.04 487.30 Td (reflected ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 472.90 Td (a ) Tj ET Q q 0 0 0 rg BT 58.01 472.90 Td ($357 ) Tj ET Q q 0 0 0 rg BT 84.70 472.90 Td (million ) Tj ET Q q 0 0 0 rg BT 122.06 472.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 170.06 472.90 Td (in ) Tj ET Q q 0 0 0 rg BT 182.08 472.90 Td (the ) Tj ET Q q 0 0 0 rg BT 199.43 472.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 250.75 472.90 Td (for ) Tj ET Q q 0 0 0 rg BT 267.43 472.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 290.78 472.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 322.13 472.90 Td (and ) Tj ET Q q 0 0 0 rg BT 342.15 472.90 Td (total ) Tj ET Q q 0 0 0 rg BT 366.16 472.90 Td (net ) Tj ET Q q 0 0 0 rg BT 383.51 472.90 Td (char) Tj ET Q q 0 0 0 rg BT 403.94 472.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 429.04 472.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 440.39 472.90 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 453.08 472.90 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 476.76 472.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 508.10 472.90 Td (. ) Tj ET Q q 0 0 0 rg BT 513.59 472.90 Td (The ) Tj ET Q q 0 0 0 rg BT 534.93 472.90 Td (prior) Tj ET Q q 0 0 0 rg BT 558.02 472.90 Td (-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 458.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 87.50 458.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 136.36 458.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 181.85 458.50 Td (a ) Tj ET Q q 0 0 0 rg BT 190.70 458.50 Td ($450 ) Tj ET Q q 0 0 0 rg BT 218.23 458.50 Td (million ) Tj ET Q q 0 0 0 rg BT 256.42 458.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 305.26 458.50 Td (in ) Tj ET Q q 0 0 0 rg BT 318.12 458.50 Td (the ) Tj ET Q q 0 0 0 rg BT 336.30 458.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 388.47 458.50 Td (for ) Tj ET Q q 0 0 0 rg BT 405.98 458.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 430.17 458.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 462.36 458.50 Td (and ) Tj ET Q q 0 0 0 rg BT 483.21 458.50 Td (total ) Tj ET Q q 0 0 0 rg BT 508.07 458.50 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 458.50 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 458.50 Td (ge-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 444.10 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 444.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 70.49 444.10 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 82.54 444.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 105.58 444.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 136.92 444.10 Td (. ) Tj ET Q q 0 0 0 rg BT 141.82 444.10 Td (The ) Tj ET Q q 0 0 0 rg BT 162.52 444.10 Td (prior) Tj ET Q q 0 0 0 rg BT 185.61 444.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 212.30 444.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 259.69 444.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 303.70 444.10 Td (a ) Tj ET Q q 0 0 0 rg BT 311.07 444.10 Td ($1.5billion ) Tj ET Q q 0 0 0 rg BT 368.46 444.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 415.82 444.10 Td (in ) Tj ET Q q 0 0 0 rg BT 427.20 444.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.91 444.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 494.60 444.10 Td (for ) Tj ET Q q 0 0 0 rg BT 510.64 444.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 533.34 444.10 Td (losses ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 429.70 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 429.70 Td (total ) Tj ET Q q 0 0 0 rg BT 94.65 429.70 Td (net ) Tj ET Q q 0 0 0 rg BT 112.31 429.70 Td (char) Tj ET Q q 0 0 0 rg BT 132.75 429.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 157.85 429.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 169.51 429.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 182.51 429.70 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 206.51 429.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 237.85 429.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 409.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.30 409.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.26 409.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 170.24 409.30 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 193.55 409.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 224.88 409.30 Td (, ) Tj ET Q q 0 0 0 rg BT 230.20 409.30 Td (a ) Tj ET Q q 0 0 0 rg BT 237.84 409.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 281.45 409.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 293.76 409.30 Td ($408 ) Tj ET Q q 0 0 0 rg BT 320.07 409.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 354.74 409.30 Td (, ) Tj ET Q q 0 0 0 rg BT 360.05 409.30 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 372.36 409.30 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 378.36 409.30 Td (%, ) Tj ET Q q 0 0 0 rg BT 393.67 409.30 Td (from ) Tj ET Q q 0 0 0 rg BT 419.31 409.30 Td (the ) Tj ET Q q 0 0 0 rg BT 436.28 409.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 461.92 409.30 Td (year) Tj ET Q q 0 0 0 rg BT 482.09 409.30 Td (, ) Tj ET Q q 0 0 0 rg BT 487.40 409.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 520.37 409.30 Td (by ) Tj ET Q q 0 0 0 rg BT 534.68 409.30 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 394.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 99.65 394.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 143.32 394.90 Td (expense, ) Tj ET Q q 0 0 0 rg BT 187.96 394.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 230.95 394.90 Td (of) Tj ET Q q 0 0 0 rg BT 240.73 394.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 261.05 394.90 Td (by ) Tj ET Q q 0 0 0 rg BT 276.05 394.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 309.71 394.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 342.71 394.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 369.03 394.90 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 360.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 360.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 360.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 360.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 360.10 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 351.14 Td (\(All comparisons refer to the prior-year quarter except as noted; banking portal ranking is per compete.com, as of May 2014\)) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 451.85 345.70 Td ( ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 328.71 cm /I18 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 331.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 331.30 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 331.30 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 331.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 331.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 209.32 331.30 Td (19) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 221.32 331.30 Td (% ) Tj ET Q q 0 0 0 rg BT 234.31 331.30 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.31 331.30 Td ($51.0 ) Tj ET Q q 0 0 0 rg BT 279.31 331.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 310.65 331.30 Td ( ) Tj ET Q q 0 0 0 rg BT 313.65 331.30 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 331.30 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 331.30 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 331.30 Td (capital) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 445.23 336.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 449.13 331.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 314.31 cm /I19 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 316.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 316.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.13 316.90 Td (total ) Tj ET Q q 0 0 0 rg BT 171.83 316.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 214.55 316.90 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 241.24 316.90 Td ($486.1 ) Tj ET Q q 0 0 0 rg BT 277.62 316.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 308.95 316.90 Td (, ) Tj ET Q q 0 0 0 rg BT 315.33 316.90 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 330.71 316.90 Td (7) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 336.71 316.90 Td (% ) Tj ET Q q 0 0 0 rg BT 350.08 316.90 Td (from ) Tj ET Q q 0 0 0 rg BT 376.79 316.90 Td (the ) Tj ET Q q 0 0 0 rg BT 394.82 316.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.53 316.90 Td (year ) Tj ET Q q 0 0 0 rg BT 445.55 316.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 466.26 316.90 Td (3) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 472.26 316.90 Td (% ) Tj ET Q q 0 0 0 rg BT 485.63 316.90 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 316.90 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 302.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 302.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 302.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 285.51 cm /I20 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 288.10 Td (Record ) Tj ET Q q 0 0 0 rg BT 141.59 288.10 Td (client ) Tj ET Q q 0 0 0 rg BT 171.18 288.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 226.78 288.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 257.71 288.10 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 283.96 288.10 Td ($205.2 ) Tj ET Q q 0 0 0 rg BT 319.90 288.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 351.23 288.10 Td (, ) Tj ET Q q 0 0 0 rg BT 357.17 288.10 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 372.11 288.10 Td (19) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 384.11 288.10 Td (% ) Tj ET Q q 0 0 0 rg BT 397.04 288.10 Td (from ) Tj ET Q q 0 0 0 rg BT 423.30 288.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.90 288.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.16 288.10 Td (year ) Tj ET Q q 0 0 0 rg BT 490.75 288.10 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 511.01 288.10 Td (5) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 517.01 288.10 Td (% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 273.70 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 273.70 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 273.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 273.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 273.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 256.71 cm /I21 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 259.30 Td (Record ) Tj ET Q q 0 0 0 rg BT 141.40 259.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 186.83 259.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 230.24 259.30 Td (originations ) Tj ET Q q 0 0 0 rg BT 290.32 259.30 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 316.38 259.30 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 340.13 259.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 371.47 259.30 Td (, ) Tj ET Q q 0 0 0 rg BT 377.22 259.30 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 391.96 259.30 Td (46) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 403.96 259.30 Td (% ) Tj ET Q q 0 0 0 rg BT 416.71 259.30 Td (from ) Tj ET Q q 0 0 0 rg BT 442.79 259.30 Td (the ) Tj ET Q q 0 0 0 rg BT 460.20 259.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.27 259.30 Td (year ) Tj ET Q q 0 0 0 rg BT 509.67 259.30 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 244.90 Td (27) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 116.00 244.90 Td (% ) Tj ET Q q 0 0 0 rg BT 129.31 244.90 Td (from ) Tj ET Q q 0 0 0 rg BT 155.94 244.90 Td (the ) Tj ET Q q 0 0 0 rg BT 173.91 244.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.55 244.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 233.87 244.90 Td (. ) Tj ET Q q 0 0 0 rg BT 239.45 244.90 Td (A) Tj ET Q q 0 0 0 rg BT 247.22 244.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 282.51 244.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 328.49 244.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 372.47 244.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 401.11 244.90 Td (were ) Tj ET Q q 0 0 0 rg BT 427.73 244.90 Td ($19.2 ) Tj ET Q q 0 0 0 rg BT 458.04 244.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 495.69 244.90 Td (up ) Tj ET Q q 0 0 0 rg BT 511.00 244.90 Td (3% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 230.50 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 230.50 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 230.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 230.50 Td (year ) Tj ET Q q 0 0 0 rg BT 197.96 230.50 Td (and ) Tj ET Q q 0 0 0 rg BT 218.29 230.50 Td (1% ) Tj ET Q q 0 0 0 rg BT 237.28 230.50 Td (from ) Tj ET Q q 0 0 0 rg BT 263.61 230.50 Td (the ) Tj ET Q q 0 0 0 rg BT 281.27 230.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 307.60 230.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 340.91 230.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 213.51 cm /I22 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 216.10 Td (Over ) Tj ET Q q 0 0 0 rg BT 130.49 216.10 Td ($600 ) Tj ET Q q 0 0 0 rg BT 157.00 216.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.83 216.10 Td (or ) Tj ET Q q 0 0 0 rg BT 206.33 216.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 278.15 216.10 Td (16% ) Tj ET Q q 0 0 0 rg BT 302.65 216.10 Td (of ) Tj ET Q q 0 0 0 rg BT 315.15 216.10 Td (total ) Tj ET Q q 0 0 0 rg BT 338.98 216.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 362.82 216.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 392.64 216.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.47 216.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 438.97 216.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 484.12 216.10 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 520.11 221.54 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 524.01 216.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 199.11 cm /I23 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 201.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 136.09 201.70 Td (card ) Tj ET Q q 0 0 0 rg BT 158.83 201.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 184.25 201.70 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 220.25 207.14 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 224.15 201.70 Td ( ) Tj ET Q q 0 0 0 rg BT 226.24 201.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 247.00 201.70 Td ($1) Tj ET Q q 0 0 0 rg BT 258.55 201.70 Td (18.0 ) Tj ET Q q 0 0 0 rg BT 281.65 201.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 312.98 201.70 Td (, ) Tj ET Q q 0 0 0 rg BT 318.08 201.70 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 332.17 201.70 Td (12) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 344.17 201.70 Td (% ) Tj ET Q q 0 0 0 rg BT 356.26 201.70 Td (from ) Tj ET Q q 0 0 0 rg BT 381.68 201.70 Td (the ) Tj ET Q q 0 0 0 rg BT 398.44 201.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.86 201.70 Td (year) Tj ET Q q 0 0 0 rg BT 443.85 201.70 Td (. ) Tj ET Q q 0 0 0 rg BT 448.94 201.70 Td (General ) Tj ET Q q 0 0 0 rg BT 489.01 201.70 Td (purpose ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 187.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 132.84 187.30 Td (card ) Tj ET Q q 0 0 0 rg BT 155.01 187.30 Td (sales ) Tj ET Q q 0 0 0 rg BT 179.85 187.30 Td (volume ) Tj ET Q q 0 0 0 rg BT 217.37 187.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 252.88 187.30 Td (has ) Tj ET Q q 0 0 0 rg BT 270.40 187.30 Td (outperformed ) Tj ET Q q 0 0 0 rg BT 337.23 187.30 Td (the ) Tj ET Q q 0 0 0 rg BT 353.41 187.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 394.26 187.30 Td (for ) Tj ET Q q 0 0 0 rg BT 409.78 187.30 Td (25 ) Tj ET Q q 0 0 0 rg BT 423.30 187.30 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 481.46 187.30 Td (quarters) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 520.11 192.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 524.01 187.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 170.31 cm /I24 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 172.90 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 155.09 172.90 Td (processing ) Tj ET Q q 0 0 0 rg BT 211.52 172.90 Td (volume ) Tj ET Q q 0 0 0 rg BT 252.62 172.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 276.39 172.90 Td ($209.0 ) Tj ET Q q 0 0 0 rg BT 314.50 172.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 345.83 172.90 Td (, ) Tj ET Q q 0 0 0 rg BT 353.94 172.90 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 371.05 172.90 Td (13) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 383.05 172.90 Td (% ) Tj ET Q q 0 0 0 rg BT 398.15 172.90 Td (from ) Tj ET Q q 0 0 0 rg BT 426.59 172.90 Td (the ) Tj ET Q q 0 0 0 rg BT 446.35 172.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 474.79 172.90 Td (year) Tj ET Q q 0 0 0 rg BT 494.77 172.90 Td (. ) Tj ET Q q 0 0 0 rg BT 502.51 172.90 Td (T) Tj ET Q q 0 0 0 rg BT 509.01 172.90 Td (otal ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 158.50 Td (transactions ) Tj ET Q q 0 0 0 rg BT 164.32 158.50 Td (processed ) Tj ET Q q 0 0 0 rg BT 214.63 158.50 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 240.95 158.50 Td (9.3 ) Tj ET Q q 0 0 0 rg BT 258.95 158.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 290.28 158.50 Td (, ) Tj ET Q q 0 0 0 rg BT 296.28 158.50 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 311.28 158.50 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 317.28 158.50 Td (% ) Tj ET Q q 0 0 0 rg BT 330.28 158.50 Td (from ) Tj ET Q q 0 0 0 rg BT 356.60 158.50 Td (the ) Tj ET Q q 0 0 0 rg BT 374.26 158.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 400.59 158.50 Td (year) Tj ET Q q 0 0 0 rg BT 420.58 158.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 141.51 cm /I25 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 144.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 131.90 144.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 193.12 144.10 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 220.33 144.10 Td ($7.1 ) Tj ET Q q 0 0 0 rg BT 245.22 144.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 276.56 144.10 Td (, ) Tj ET Q q 0 0 0 rg BT 283.45 144.10 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 299.35 144.10 Td (4) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 305.35 144.10 Td (% ) Tj ET Q q 0 0 0 rg BT 319.24 144.10 Td (from ) Tj ET Q q 0 0 0 rg BT 346.46 144.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.02 144.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 392.24 144.10 Td (year ) Tj ET Q q 0 0 0 rg BT 416.78 144.10 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 438.00 144.10 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 444.00 144.10 Td (% ) Tj ET Q q 0 0 0 rg BT 457.89 144.10 Td (from ) Tj ET Q q 0 0 0 rg BT 485.11 144.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.67 144.10 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 129.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 129.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 112.71 cm /I26 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 115.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 154.27 115.30 Td (originations ) Tj ET Q q 0 0 0 rg BT 215.23 115.30 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 242.16 115.30 Td ($16.8 ) Tj ET Q q 0 0 0 rg BT 272.79 115.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 304.12 115.30 Td (, ) Tj ET Q q 0 0 0 rg BT 310.74 115.30 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 341.03 115.30 Td (66) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 353.03 115.30 Td (% ) Tj ET Q q 0 0 0 rg BT 366.65 115.30 Td (from ) Tj ET Q q 0 0 0 rg BT 393.60 115.30 Td (the ) Tj ET Q q 0 0 0 rg BT 411.88 115.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.83 115.30 Td (year ) Tj ET Q q 0 0 0 rg BT 463.10 115.30 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 484.05 115.30 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 490.05 115.30 Td (% ) Tj ET Q q 0 0 0 rg BT 503.67 115.30 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 100.90 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 100.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 100.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 100.90 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 83.91 cm /I27 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 86.50 Td (Active ) Tj ET Q q 0 0 0 rg BT 138.22 86.50 Td (mobile ) Tj ET Q q 0 0 0 rg BT 173.77 86.50 Td (customers ) Tj ET Q q 0 0 0 rg BT 224.66 86.50 Td (were ) Tj ET Q q 0 0 0 rg BT 250.20 86.50 Td (up ) Tj ET Q q 0 0 0 rg BT 264.43 86.50 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 266.66 86.50 Td (23) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 278.66 86.50 Td (% ) Tj ET Q q 0 0 0 rg BT 290.89 86.50 Td (over ) Tj ET Q q 0 0 0 rg BT 314.44 86.50 Td (the ) Tj ET Q q 0 0 0 rg BT 331.33 86.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.88 86.50 Td (year ) Tj ET Q q 0 0 0 rg BT 379.76 86.50 Td (to ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 391.33 86.50 Td (17.2 ) Tj ET Q q 0 0 0 rg BT 414.56 86.50 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 449.23 86.50 Td (, ) Tj ET Q q 0 0 0 rg BT 454.46 86.50 Td (and ) Tj ET Q q 0 0 0 rg BT 474.01 86.50 Td (Chase.com ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 72.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 144.99 72.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.65 72.10 Td (#1 ) Tj ET Q q 0 0 0 rg BT 177.65 72.10 Td (most ) Tj ET Q q 0 0 0 rg BT 203.98 72.10 Td (visited ) Tj ET Q q 0 0 0 rg BT 238.98 72.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 280.64 72.10 Td (portal ) Tj ET Q q 0 0 0 rg BT 311.63 72.10 Td (in ) Tj ET Q q 0 0 0 rg BT 323.97 72.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.63 72.10 Td (U.S.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 55.11 cm /I28 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 57.70 Td (Only ) Tj ET Q q 0 0 0 rg BT 131.00 57.70 Td (5-star ) Tj ET Q q 0 0 0 rg BT 161.32 57.70 Td (rated ) Tj ET Q q 0 0 0 rg BT 188.30 57.70 Td (iPhone ) Tj ET Q q 0 0 0 rg BT 224.64 57.70 Td (mobile ) Tj ET Q q 0 0 0 rg BT 260.97 57.70 Td (application ) Tj ET Q q 0 0 0 rg BT 317.28 57.70 Td (among ) Tj ET Q q 0 0 0 rg BT 352.94 57.70 Td (the ) Tj ET Q q 0 0 0 rg BT 370.60 57.70 Td (lar) Tj ET Q q 0 0 0 rg BT 383.04 57.70 Td (gest ) Tj ET Q q 0 0 0 rg BT 405.37 57.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 429.71 57.70 Td (banks.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (Consumer) Tj ET Q q 0 0 0 rg BT 103.12 726.30 Td ( ) Tj ET Q q 0 0 0 rg BT 104.78 726.30 Td (& ) Tj ET Q q 0 0 0 rg BT 116.44 726.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 162.12 726.30 Td (Banking) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 205.48 726.30 Td ( ) Tj ET Q q 0 0 0 rg BT 207.14 726.30 Td (net ) Tj ET Q q 0 0 0 rg BT 223.47 726.30 Td (income ) Tj ET Q q 0 0 0 rg BT 260.45 726.30 Td (was ) Tj ET Q q 0 0 0 rg BT 280.77 726.30 Td ($894 ) Tj ET Q q 0 0 0 rg BT 306.44 726.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 345.77 726.30 Td (an ) Tj ET Q q 0 0 0 rg BT 358.76 726.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 399.72 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 411.38 726.30 Td ($196 ) Tj ET Q q 0 0 0 rg BT 437.05 726.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 476.38 726.30 Td (or ) Tj ET Q q 0 0 0 rg BT 488.04 726.30 Td (28%, ) Tj ET Q q 0 0 0 rg BT 514.70 726.30 Td (compared ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 711.90 Td (year) Tj ET Q q 0 0 0 rg BT 138.49 711.90 Td (, ) Tj ET Q q 0 0 0 rg BT 144.49 711.90 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 217.47 711.90 Td (due ) Tj ET Q q 0 0 0 rg BT 237.80 711.90 Td (to ) Tj ET Q q 0 0 0 rg BT 250.13 711.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 283.79 711.90 Td (net ) Tj ET Q q 0 0 0 rg BT 301.45 711.90 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 691.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.17 691.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.98 691.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 132.48 691.50 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 156.32 691.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 187.66 691.50 Td (, ) Tj ET Q q 0 0 0 rg BT 193.50 691.50 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 208.34 691.50 Td (7) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 214.34 691.50 Td (% ) Tj ET Q q 0 0 0 rg BT 227.18 691.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.33 691.50 Td (with ) Tj ET Q q 0 0 0 rg BT 301.50 691.50 Td (the ) Tj ET Q q 0 0 0 rg BT 319.00 691.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 345.17 691.50 Td (year) Tj ET Q q 0 0 0 rg BT 365.15 691.50 Td (. ) Tj ET Q q 0 0 0 rg BT 370.99 691.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 391.16 691.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 429.32 691.50 Td (income ) Tj ET Q q 0 0 0 rg BT 467.48 691.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 488.98 691.50 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 512.82 691.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 544.16 691.50 Td (, ) Tj ET Q q 0 0 0 rg BT 550.00 691.50 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 56.00 677.10 Td (% ) Tj ET Q q 0 0 0 rg BT 70.59 677.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 122.48 677.10 Td (with ) Tj ET Q q 0 0 0 rg BT 148.41 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.66 677.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 195.57 677.10 Td (year) Tj ET Q q 0 0 0 rg BT 215.74 677.10 Td (, ) Tj ET Q q 0 0 0 rg BT 223.33 677.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 258.58 677.10 Td (by ) Tj ET Q q 0 0 0 rg BT 275.17 677.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 310.41 677.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 349.67 677.10 Td (balances, ) Tj ET Q q 0 0 0 rg BT 398.57 677.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 443.14 677.10 Td (of) Tj ET Q q 0 0 0 rg BT 452.92 677.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 474.84 677.10 Td (by ) Tj ET Q q 0 0 0 rg BT 491.43 677.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 530.68 677.10 Td (spread ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 662.70 Td (compression. ) Tj ET Q q 0 0 0 rg BT 116.07 662.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 174.47 662.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 214.86 662.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 235.94 662.70 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 259.36 662.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 290.69 662.70 Td (, ) Tj ET Q q 0 0 0 rg BT 296.11 662.70 Td (an ) Tj ET Q q 0 0 0 rg BT 309.85 662.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 351.57 662.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 363.98 662.70 Td (9) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 369.98 662.70 Td (%, ) Tj ET Q q 0 0 0 rg BT 385.39 662.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 418.47 662.70 Td (by ) Tj ET Q q 0 0 0 rg BT 432.88 662.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 465.95 662.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 521.03 662.70 Td (revenue, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 648.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 98.97 648.30 Td (record ) Tj ET Q q 0 0 0 rg BT 132.62 648.30 Td (client ) Tj ET Q q 0 0 0 rg BT 162.27 648.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 217.93 648.30 Td (assets, ) Tj ET Q q 0 0 0 rg BT 251.93 648.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 285.58 648.30 Td (deposit-related ) Tj ET Q q 0 0 0 rg BT 359.88 648.30 Td (fees ) Tj ET Q q 0 0 0 rg BT 382.20 648.30 Td (and ) Tj ET Q q 0 0 0 rg BT 402.53 648.30 Td (debit ) Tj ET Q q 0 0 0 rg BT 429.52 648.30 Td (card ) Tj ET Q q 0 0 0 rg BT 453.17 648.30 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 627.90 Td (The ) Tj ET Q q 0 0 0 rg BT 71.66 627.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.99 627.90 Td (for ) Tj ET Q q 0 0 0 rg BT 136.98 627.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.30 627.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.97 627.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 220.63 627.90 Td ($66 ) Tj ET Q q 0 0 0 rg BT 241.63 627.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 276.30 627.90 Td (, ) Tj ET Q q 0 0 0 rg BT 282.30 627.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 332.61 627.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 356.94 627.90 Td ($74 ) Tj ET Q q 0 0 0 rg BT 377.94 627.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 412.61 627.90 Td ( ) Tj ET Q q 0 0 0 rg BT 415.61 627.90 Td (in ) Tj ET Q q 0 0 0 rg BT 427.95 627.90 Td (the ) Tj ET Q q 0 0 0 rg BT 445.61 627.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 471.93 627.90 Td (year) Tj ET Q q 0 0 0 rg BT 491.92 627.90 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 607.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 107.49 607.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 147.65 607.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 167.82 607.50 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 190.33 607.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 221.66 607.50 Td (, ) Tj ET Q q 0 0 0 rg BT 226.17 607.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 296.99 607.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 314.48 607.50 Td (from ) Tj ET Q q 0 0 0 rg BT 339.32 607.50 Td (the ) Tj ET Q q 0 0 0 rg BT 355.49 607.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 380.32 607.50 Td (year) Tj ET Q q 0 0 0 rg BT 400.49 607.50 Td (, ) Tj ET Q q 0 0 0 rg BT 404.99 607.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 437.16 607.50 Td (by ) Tj ET Q q 0 0 0 rg BT 450.67 607.50 Td (investments ) Tj ET Q q 0 0 0 rg BT 509.50 607.50 Td (in ) Tj ET Q q 0 0 0 rg BT 520.34 607.50 Td (controls, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 593.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 92.98 593.10 Td (of) Tj ET Q q 0 0 0 rg BT 102.76 593.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 123.09 593.10 Td (by ) Tj ET Q q 0 0 0 rg BT 138.09 593.10 Td (ef) Tj ET Q q 0 0 0 rg BT 147.20 593.10 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 188.84 593.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 217.17 593.10 Td (in ) Tj ET Q q 0 0 0 rg BT 229.50 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.16 593.10 Td (branches.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 560.70 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 560.70 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 560.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 560.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 560.70 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 551.74 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 529.31 cm /I29 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 531.90 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 531.90 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 531.90 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 531.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 531.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 209.32 531.90 Td (33) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 221.32 531.90 Td (% ) Tj ET Q q 0 0 0 rg BT 234.31 531.90 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.31 531.90 Td ($1) Tj ET Q q 0 0 0 rg BT 260.87 531.90 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 278.87 531.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 310.20 531.90 Td ( ) Tj ET Q q 0 0 0 rg BT 313.20 531.90 Td (of ) Tj ET Q q 0 0 0 rg BT 326.20 531.90 Td (average ) Tj ET Q q 0 0 0 rg BT 366.50 531.90 Td (allocated ) Tj ET Q q 0 0 0 rg BT 412.81 531.90 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 514.91 cm /I30 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 517.50 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.94 517.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 159.23 517.50 Td (in ) Tj ET Q q 0 0 0 rg BT 171.85 517.50 Td (customer ) Tj ET Q q 0 0 0 rg BT 219.12 517.50 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 277.06 517.50 Td (among ) Tj ET Q q 0 0 0 rg BT 313.00 517.50 Td (the ) Tj ET Q q 0 0 0 rg BT 330.95 517.50 Td (lar) Tj ET Q q 0 0 0 rg BT 343.39 517.50 Td (gest ) Tj ET Q q 0 0 0 rg BT 366.00 517.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 390.63 517.50 Td (banks ) Tj ET Q q 0 0 0 rg BT 421.91 517.50 Td (for ) Tj ET Q q 0 0 0 rg BT 439.19 517.50 Td (the ) Tj ET Q q 0 0 0 rg BT 457.13 517.50 Td (second ) Tj ET Q q 0 0 0 rg BT 493.74 517.50 Td (year ) Tj ET Q q 0 0 0 rg BT 517.67 517.50 Td (in ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 503.10 Td (a ) Tj ET Q q 0 0 0 rg BT 112.33 503.10 Td (row) Tj ET Q q 0 0 0 rg BT 130.21 503.10 Td (, ) Tj ET Q q 0 0 0 rg BT 136.21 503.10 Td (according ) Tj ET Q q 0 0 0 rg BT 186.52 503.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.85 503.10 Td (J.D. ) Tj ET Q q 0 0 0 rg BT 221.19 503.10 Td (Power ) Tj ET Q q 0 0 0 rg BT 254.85 503.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.51 503.10 Td (American ) Tj ET Q q 0 0 0 rg BT 324.82 503.10 Td (Customer ) Tj ET Q q 0 0 0 rg BT 374.49 503.10 Td (Satisfaction ) Tj ET Q q 0 0 0 rg BT 434.14 503.10 Td (Index ) Tj ET Q q 0 0 0 rg BT 464.46 503.10 Td (\("ACSI"\).) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 486.11 cm /I31 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 488.70 Td (W) Tj ET Q q 0 0 0 rg BT 114.85 488.70 Td (inner ) Tj ET Q q 0 0 0 rg BT 142.50 488.70 Td (of ) Tj ET Q q 0 0 0 rg BT 155.50 488.70 Td (a ) Tj ET Q q 0 0 0 rg BT 163.82 488.70 Td (record ) Tj ET Q q 0 0 0 rg BT 197.47 488.70 Td (five ) Tj ET Q q 0 0 0 rg BT 218.91 488.70 Td (TNS ) Tj ET Q q 0 0 0 rg BT 244.58 488.70 Td (Choice ) Tj ET Q q 0 0 0 rg BT 280.91 488.70 Td (A) Tj ET Q q 0 0 0 rg BT 288.47 488.70 Td (wards ) Tj ET Q q 0 0 0 rg BT 320.13 488.70 Td (in ) Tj ET Q q 0 0 0 rg BT 332.46 488.70 Td (2014.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 471.71 cm /I32 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 474.30 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 144.33 474.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 160.00 474.30 Td (in ) Tj ET Q q 0 0 0 rg BT 173.01 474.30 Td (small ) Tj ET Q q 0 0 0 rg BT 202.68 474.30 Td (business ) Tj ET Q q 0 0 0 rg BT 247.03 474.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 289.36 474.30 Td (customer ) Tj ET Q q 0 0 0 rg BT 337.02 474.30 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 395.35 474.30 Td (in ) Tj ET Q q 0 0 0 rg BT 408.35 474.30 Td (three ) Tj ET Q q 0 0 0 rg BT 436.01 474.30 Td (of ) Tj ET Q q 0 0 0 rg BT 449.68 474.30 Td (the ) Tj ET Q q 0 0 0 rg BT 468.01 474.30 Td (four ) Tj ET Q q 0 0 0 rg BT 491.68 474.30 Td (regions ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 459.90 Td (\(W) Tj ET Q q 0 0 0 rg BT 118.36 459.90 Td (est, ) Tj ET Q q 0 0 0 rg BT 137.69 459.90 Td (Midwest ) Tj ET Q q 0 0 0 rg BT 182.69 459.90 Td (and ) Tj ET Q q 0 0 0 rg BT 203.02 459.90 Td (South\) ) Tj ET Q q 0 0 0 rg BT 238.02 459.90 Td (by ) Tj ET Q q 0 0 0 rg BT 253.02 459.90 Td (J.D. ) Tj ET Q q 0 0 0 rg BT 275.36 459.90 Td (Power) Tj ET Q q 0 0 0 rg BT 305.36 459.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 442.91 cm /I33 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 445.50 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 445.50 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.13 445.50 Td (total ) Tj ET Q q 0 0 0 rg BT 171.83 445.50 Td (deposits ) Tj ET Q q 0 0 0 rg BT 214.55 445.50 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 241.24 445.50 Td ($471.6 ) Tj ET Q q 0 0 0 rg BT 277.62 445.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 308.95 445.50 Td (, ) Tj ET Q q 0 0 0 rg BT 315.33 445.50 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 330.71 445.50 Td (9) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 336.71 445.50 Td (% ) Tj ET Q q 0 0 0 rg BT 350.08 445.50 Td (from ) Tj ET Q q 0 0 0 rg BT 376.79 445.50 Td (the ) Tj ET Q q 0 0 0 rg BT 394.82 445.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.53 445.50 Td (year ) Tj ET Q q 0 0 0 rg BT 445.55 445.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 466.26 445.50 Td (3) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 472.26 445.50 Td (% ) Tj ET Q q 0 0 0 rg BT 485.63 445.50 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 445.50 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 431.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 431.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 431.10 Td (. ) Tj ET Q q 0 0 0 rg BT 169.64 431.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 209.97 431.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 246.97 431.10 Td (is ) Tj ET Q q 0 0 0 rg BT 257.97 431.10 Td (among ) Tj ET Q q 0 0 0 rg BT 293.63 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.29 431.10 Td (highest ) Tj ET Q q 0 0 0 rg BT 348.96 431.10 Td (in ) Tj ET Q q 0 0 0 rg BT 361.29 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.95 431.10 Td (industry) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 418.29 436.54 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 422.18 431.10 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 414.11 cm /I34 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 416.70 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 143.73 416.70 Td (mar) Tj ET Q q 0 0 0 rg BT 162.17 416.70 Td (gin ) Tj ET Q q 0 0 0 rg BT 179.90 416.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 200.96 416.70 Td (2.23) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 221.96 416.70 Td (%, ) Tj ET Q q 0 0 0 rg BT 237.36 416.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 287.07 416.70 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 310.80 416.70 Td (2.31) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 331.80 416.70 Td (% ) Tj ET Q q 0 0 0 rg BT 344.20 416.70 Td (in ) Tj ET Q q 0 0 0 rg BT 355.93 416.70 Td (the ) Tj ET Q q 0 0 0 rg BT 372.99 416.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 398.71 416.70 Td (year ) Tj ET Q q 0 0 0 rg BT 421.76 416.70 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 441.49 416.70 Td (2.27) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 462.49 416.70 Td (% ) Tj ET Q q 0 0 0 rg BT 474.88 416.70 Td (in ) Tj ET Q q 0 0 0 rg BT 486.62 416.70 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 416.70 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 402.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 402.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 385.31 cm /I35 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 387.90 Td (Households ) Tj ET Q q 0 0 0 rg BT 162.88 387.90 Td (totaled ) Tj ET Q q 0 0 0 rg BT 197.74 387.90 Td (25.5million, ) Tj ET Q q 0 0 0 rg BT 261.62 387.90 Td (up ) Tj ET Q q 0 0 0 rg BT 275.83 387.90 Td (3% ) Tj ET Q q 0 0 0 rg BT 294.03 387.90 Td (from ) Tj ET Q q 0 0 0 rg BT 319.57 387.90 Td (the ) Tj ET Q q 0 0 0 rg BT 336.44 387.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 361.97 387.90 Td (year ) Tj ET Q q 0 0 0 rg BT 384.83 387.90 Td (and ) Tj ET Q q 0 0 0 rg BT 404.36 387.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 422.57 387.90 Td (from ) Tj ET Q q 0 0 0 rg BT 448.10 387.90 Td (the ) Tj ET Q q 0 0 0 rg BT 464.97 387.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.51 387.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 524.01 387.90 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 373.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 152.97 373.50 Td (strong ) Tj ET Q q 0 0 0 rg BT 185.97 373.50 Td (customer ) Tj ET Q q 0 0 0 rg BT 232.96 373.50 Td (retention.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 347.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 102.70 347.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.06 347.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 148.34 347.10 Td (net ) Tj ET Q q 0 0 0 rg BT 165.73 347.10 Td (income ) Tj ET Q q 0 0 0 rg BT 203.78 347.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 225.17 347.10 Td ($709 ) Tj ET Q q 0 0 0 rg BT 251.90 347.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 286.57 347.10 Td (, ) Tj ET Q q 0 0 0 rg BT 292.29 347.10 Td (a ) Tj ET Q q 0 0 0 rg BT 300.35 347.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 344.38 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.10 347.10 Td ($433 ) Tj ET Q q 0 0 0 rg BT 383.83 347.10 Td (million ) Tj ET Q q 0 0 0 rg BT 421.23 347.10 Td (from ) Tj ET Q q 0 0 0 rg BT 447.28 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.67 347.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.73 347.10 Td (year) Tj ET Q q 0 0 0 rg BT 510.90 347.10 Td (, ) Tj ET Q q 0 0 0 rg BT 516.63 347.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.01 347.10 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 332.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 79.25 332.70 Td (net ) Tj ET Q q 0 0 0 rg BT 95.83 332.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 135.73 332.70 Td (and ) Tj ET Q q 0 0 0 rg BT 154.98 332.70 Td (a ) Tj ET Q q 0 0 0 rg BT 162.23 332.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 191.48 332.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 226.72 332.70 Td (from ) Tj ET Q q 0 0 0 rg BT 251.97 332.70 Td (the ) Tj ET Q q 0 0 0 rg BT 268.56 332.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 315.82 332.70 Td (for ) Tj ET Q q 0 0 0 rg BT 331.73 332.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 360.97 332.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 394.57 332.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 436.48 332.70 Td (of) Tj ET Q q 0 0 0 rg BT 446.26 332.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 465.51 332.70 Td (by ) Tj ET Q q 0 0 0 rg BT 479.43 332.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 508.68 332.70 Td (noninterest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 318.30 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 297.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.26 297.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.16 297.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 132.76 297.90 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 156.69 297.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 188.02 297.90 Td (, ) Tj ET Q q 0 0 0 rg BT 193.95 297.90 Td (a ) Tj ET Q q 0 0 0 rg BT 202.21 297.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.44 297.90 Td (of ) Tj ET Q q 0 0 0 rg BT 259.37 297.90 Td ($772 ) Tj ET Q q 0 0 0 rg BT 286.30 297.90 Td (million ) Tj ET Q q 0 0 0 rg BT 323.90 297.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.14 297.90 Td (with ) Tj ET Q q 0 0 0 rg BT 398.40 297.90 Td (the ) Tj ET Q q 0 0 0 rg BT 416.00 297.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.25 297.90 Td (year) Tj ET Q q 0 0 0 rg BT 462.24 297.90 Td (. ) Tj ET Q q 0 0 0 rg BT 468.17 297.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.43 297.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.68 297.90 Td (income ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 283.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 71.70 283.50 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 95.73 283.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 127.07 283.50 Td (, ) Tj ET Q q 0 0 0 rg BT 133.10 283.50 Td (a ) Tj ET Q q 0 0 0 rg BT 141.46 283.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 185.79 283.50 Td (of ) Tj ET Q q 0 0 0 rg BT 198.82 283.50 Td ($125 ) Tj ET Q q 0 0 0 rg BT 225.85 283.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 266.56 283.50 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 279.59 283.50 Td (1) Tj ET Q q 0 0 0 rg BT 285.14 283.50 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 291.14 283.50 Td (%, ) Tj ET Q q 0 0 0 rg BT 307.17 283.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 340.86 283.50 Td (by ) Tj ET Q q 0 0 0 rg BT 355.89 283.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 386.25 283.50 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 440.59 283.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 484.94 283.50 Td (as ) Tj ET Q q 0 0 0 rg BT 497.97 283.50 Td (well ) Tj ET Q q 0 0 0 rg BT 521.66 283.50 Td (as ) Tj ET Q q 0 0 0 rg BT 534.69 283.50 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 269.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 72.64 269.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 115.93 269.10 Td (due ) Tj ET Q q 0 0 0 rg BT 135.24 269.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.56 269.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 190.53 269.10 Td (runof) Tj ET Q q 0 0 0 rg BT 216.31 269.10 Td (f. ) Tj ET Q q 0 0 0 rg BT 225.29 269.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 283.25 269.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 323.21 269.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 343.85 269.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 366.84 269.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 398.17 269.10 Td (, ) Tj ET Q q 0 0 0 rg BT 403.15 269.10 Td (a ) Tj ET Q q 0 0 0 rg BT 410.46 269.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 453.74 269.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.72 269.10 Td ($647 ) Tj ET Q q 0 0 0 rg BT 491.70 269.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 531.35 269.10 Td (driven ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 254.70 Td (by ) Tj ET Q q 0 0 0 rg BT 65.00 254.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 95.32 254.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 143.64 254.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 165.96 254.70 Td (and ) Tj ET Q q 0 0 0 rg BT 186.28 254.70 Td (related ) Tj ET Q q 0 0 0 rg BT 221.93 254.70 Td (income.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 234.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.98 234.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.64 234.30 Td (for ) Tj ET Q q 0 0 0 rg BT 137.96 234.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.61 234.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.60 234.30 Td (was ) Tj ET Q q 0 0 0 rg BT 222.59 234.30 Td (a ) Tj ET Q q 0 0 0 rg BT 231.24 234.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 267.89 234.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 281.21 234.30 Td ($188 ) Tj ET Q q 0 0 0 rg BT 308.54 234.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 343.21 239.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 347.11 234.30 Td (, ) Tj ET Q q 0 0 0 rg BT 353.43 234.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 404.07 234.30 Td (with ) Tj ET Q q 0 0 0 rg BT 428.73 234.30 Td (a ) Tj ET Q q 0 0 0 rg BT 437.38 234.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 474.02 234.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 487.35 234.30 Td ($657 ) Tj ET Q q 0 0 0 rg BT 514.67 234.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 549.34 234.30 Td ( ) Tj ET Q q 0 0 0 rg BT 552.67 234.30 Td (in ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 219.90 Td (the ) Tj ET Q q 0 0 0 rg BT 69.44 219.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 97.54 219.90 Td (year) Tj ET Q q 0 0 0 rg BT 117.53 219.90 Td (. ) Tj ET Q q 0 0 0 rg BT 124.96 219.90 Td (The ) Tj ET Q q 0 0 0 rg BT 148.39 219.90 Td (current ) Tj ET Q q 0 0 0 rg BT 187.15 219.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 225.90 219.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 272.65 219.90 Td (a ) Tj ET Q q 0 0 0 rg BT 282.75 219.90 Td ($300 ) Tj ET Q q 0 0 0 rg BT 311.53 219.90 Td (million ) Tj ET Q q 0 0 0 rg BT 350.98 219.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 401.07 219.90 Td (in ) Tj ET Q q 0 0 0 rg BT 415.18 219.90 Td (the ) Tj ET Q q 0 0 0 rg BT 434.62 219.90 Td (purchased ) Tj ET Q q 0 0 0 rg BT 488.04 219.90 Td (credit-impaired ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 205.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 102.26 205.50 Td (for ) Tj ET Q q 0 0 0 rg BT 119.88 205.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 144.16 205.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 179.45 205.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 229.05 205.50 Td (continued ) Tj ET Q q 0 0 0 rg BT 279.99 205.50 Td (improvement ) Tj ET Q q 0 0 0 rg BT 347.60 205.50 Td (in ) Tj ET Q q 0 0 0 rg BT 360.55 205.50 Td (home ) Tj ET Q q 0 0 0 rg BT 390.84 205.50 Td (prices ) Tj ET Q q 0 0 0 rg BT 423.11 205.50 Td (and ) Tj ET Q q 0 0 0 rg BT 444.06 205.50 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 516.40 205.50 Td (The ) Tj ET Q q 0 0 0 rg BT 538.68 205.50 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 191.10 Td (year ) Tj ET Q q 0 0 0 rg BT 73.20 191.10 Td (included ) Tj ET Q q 0 0 0 rg BT 117.07 191.10 Td (a ) Tj ET Q q 0 0 0 rg BT 124.95 191.10 Td ($950 ) Tj ET Q q 0 0 0 rg BT 151.50 191.10 Td (million ) Tj ET Q q 0 0 0 rg BT 188.72 191.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 236.59 191.10 Td (in ) Tj ET Q q 0 0 0 rg BT 248.48 191.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.69 191.10 Td (non ) Tj ET Q q 0 0 0 rg BT 286.24 191.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 362.76 191.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 413.95 191.10 Td (for ) Tj ET Q q 0 0 0 rg BT 430.49 191.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 453.70 191.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 487.92 191.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 507.80 191.10 Td (char) Tj ET Q q 0 0 0 rg BT 528.23 191.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 553.33 191.10 Td (fs ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 176.70 Td (were ) Tj ET Q q 0 0 0 rg BT 76.31 176.70 Td ($1) Tj ET Q q 0 0 0 rg BT 87.87 176.70 Td (12 ) Tj ET Q q 0 0 0 rg BT 102.87 176.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 143.54 176.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 193.85 176.70 Td (with ) Tj ET Q q 0 0 0 rg BT 218.18 176.70 Td ($293 ) Tj ET Q q 0 0 0 rg BT 245.18 176.70 Td (million ) Tj ET Q q 0 0 0 rg BT 282.85 176.70 Td (in ) Tj ET Q q 0 0 0 rg BT 295.19 176.70 Td (the ) Tj ET Q q 0 0 0 rg BT 312.85 176.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 339.17 176.70 Td (year) Tj ET Q q 0 0 0 rg BT 359.16 176.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 156.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.85 156.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.37 156.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 171.90 156.30 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 195.77 156.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 227.11 156.30 Td (, ) Tj ET Q q 0 0 0 rg BT 232.97 156.30 Td (a ) Tj ET Q q 0 0 0 rg BT 241.17 156.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 285.33 156.30 Td (of ) Tj ET Q q 0 0 0 rg BT 298.20 156.30 Td ($528 ) Tj ET Q q 0 0 0 rg BT 325.07 156.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 365.60 156.30 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 378.47 156.30 Td (29) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 390.47 156.30 Td (%, ) Tj ET Q q 0 0 0 rg BT 406.33 156.30 Td (from ) Tj ET Q q 0 0 0 rg BT 432.53 156.30 Td (the ) Tj ET Q q 0 0 0 rg BT 450.05 156.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 476.25 156.30 Td (year) Tj ET Q q 0 0 0 rg BT 496.42 156.30 Td (, ) Tj ET Q q 0 0 0 rg BT 502.29 156.30 Td (due ) Tj ET Q q 0 0 0 rg BT 522.48 156.30 Td (to ) Tj ET Q q 0 0 0 rg BT 534.68 156.30 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 141.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 91.65 141.90 Td (in ) Tj ET Q q 0 0 0 rg BT 103.98 141.90 Td (production ) Tj ET Q q 0 0 0 rg BT 158.97 141.90 Td (and ) Tj ET Q q 0 0 0 rg BT 179.30 141.90 Td (servicing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 123.90 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 109.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 102.62 109.50 Td (Production) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 157.96 109.50 Td ( ) Tj ET Q q 0 0 0 rg BT 162.58 109.50 Td (pretax ) Tj ET Q q 0 0 0 rg BT 197.17 109.50 Td (income ) Tj ET Q q 0 0 0 rg BT 237.11 109.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 260.39 109.50 Td ($63 ) Tj ET Q q 0 0 0 rg BT 283.01 109.50 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 317.68 109.50 Td (, ) Tj ET Q q 0 0 0 rg BT 325.29 109.50 Td (a ) Tj ET Q q 0 0 0 rg BT 335.24 109.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 381.15 109.50 Td (of ) Tj ET Q q 0 0 0 rg BT 395.76 109.50 Td ($519 ) Tj ET Q q 0 0 0 rg BT 424.38 109.50 Td (million ) Tj ET Q q 0 0 0 rg BT 463.67 109.50 Td (from ) Tj ET Q q 0 0 0 rg BT 491.61 109.50 Td (the ) Tj ET Q q 0 0 0 rg BT 510.89 109.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.83 109.50 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 109.50 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 95.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 97.65 95.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 126.64 95.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 169.29 95.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 210.95 95.10 Td (of) Tj ET Q q 0 0 0 rg BT 220.72 95.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 239.72 95.10 Td (by ) Tj ET Q q 0 0 0 rg BT 253.40 95.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 282.39 95.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 322.71 95.10 Td (and ) Tj ET Q q 0 0 0 rg BT 341.71 95.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 370.71 95.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 424.35 95.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 457.69 95.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 506.01 95.10 Td (production-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 80.70 Td (related ) Tj ET Q q 0 0 0 rg BT 86.01 80.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 130.35 80.70 Td (excluding ) Tj ET Q q 0 0 0 rg BT 181.04 80.70 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 236.37 80.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 271.41 80.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 293.43 80.70 Td ($339 ) Tj ET Q q 0 0 0 rg BT 320.80 80.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 355.47 80.70 Td (, ) Tj ET Q q 0 0 0 rg BT 361.84 80.70 Td (a ) Tj ET Q q 0 0 0 rg BT 370.53 80.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 415.19 80.70 Td (of ) Tj ET Q q 0 0 0 rg BT 428.55 80.70 Td ($947 ) Tj ET Q q 0 0 0 rg BT 455.92 80.70 Td (million ) Tj ET Q q 0 0 0 rg BT 493.96 80.70 Td (from ) Tj ET Q q 0 0 0 rg BT 520.65 80.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 80.70 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 66.30 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 66.30 Td (, ) Tj ET Q q 0 0 0 rg BT 76.31 66.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 124.11 66.30 Td (on ) Tj ET Q q 0 0 0 rg BT 139.26 66.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 169.72 66.30 Td (volumes. ) Tj ET Q q 0 0 0 rg BT 216.53 66.30 Td (Production ) Tj ET Q q 0 0 0 rg BT 272.34 66.30 Td (expense) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 310.99 71.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 314.89 66.30 Td ( ) Tj ET Q q 0 0 0 rg BT 318.04 66.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 339.84 66.30 Td ($413 ) Tj ET Q q 0 0 0 rg BT 366.99 66.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 401.66 66.30 Td (, ) Tj ET Q q 0 0 0 rg BT 407.80 66.30 Td (a ) Tj ET Q q 0 0 0 rg BT 416.27 66.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 460.72 66.30 Td (of ) Tj ET Q q 0 0 0 rg BT 473.86 66.30 Td ($307million ) Tj ET Q q 0 0 0 rg BT 538.67 66.30 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 51.90 Td (the ) Tj ET Q q 0 0 0 rg BT 68.66 51.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 95.99 51.90 Td (year) Tj ET Q q 0 0 0 rg BT 116.16 51.90 Td (, ) Tj ET Q q 0 0 0 rg BT 123.16 51.90 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 197.14 51.90 Td (due ) Tj ET Q q 0 0 0 rg BT 218.47 51.90 Td (to ) Tj ET Q q 0 0 0 rg BT 231.80 51.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 263.12 51.90 Td (headcount-related ) Tj ET Q q 0 0 0 rg BT 353.08 51.90 Td (expense. ) Tj ET Q q 0 0 0 rg BT 398.73 51.90 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 458.70 51.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 491.37 51.90 Td (for ) Tj ET Q q 0 0 0 rg BT 509.36 51.90 Td (the ) Tj ET Q q 0 0 0 rg BT 528.02 51.90 Td (current ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 86.98 740.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 131.94 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 140.27 740.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 176.59 740.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 189.58 740.70 Td ($137 ) Tj ET Q q 0 0 0 rg BT 216.58 740.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 251.25 740.70 Td (, ) Tj ET Q q 0 0 0 rg BT 257.25 740.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 307.56 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 331.89 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 340.22 740.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 376.54 740.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 389.53 740.70 Td ($16 ) Tj ET Q q 0 0 0 rg BT 410.53 740.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 445.20 740.70 Td ( ) Tj ET Q q 0 0 0 rg BT 448.20 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 460.54 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 478.20 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 504.52 740.70 Td (year) Tj ET Q q 0 0 0 rg BT 524.51 740.70 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 714.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 99.86 714.30 Td (Servicing ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 148.39 714.30 Td (pretax ) Tj ET Q q 0 0 0 rg BT 180.23 714.30 Td (income ) Tj ET Q q 0 0 0 rg BT 217.41 714.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 237.94 714.30 Td ($479 ) Tj ET Q q 0 0 0 rg BT 263.80 714.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 298.47 714.30 Td (, ) Tj ET Q q 0 0 0 rg BT 303.33 714.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 352.50 714.30 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 375.70 714.30 Td ($133 ) Tj ET Q q 0 0 0 rg BT 401.56 714.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 436.23 714.30 Td ( ) Tj ET Q q 0 0 0 rg BT 438.09 714.30 Td (in ) Tj ET Q q 0 0 0 rg BT 449.29 714.30 Td (the ) Tj ET Q q 0 0 0 rg BT 465.81 714.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 491.00 714.30 Td (year) Tj ET Q q 0 0 0 rg BT 511.17 714.30 Td (, ) Tj ET Q q 0 0 0 rg BT 516.03 714.30 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 699.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.64 699.90 Td (MSR ) Tj ET Q q 0 0 0 rg BT 111.96 699.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 132.94 699.90 Td (management ) Tj ET Q q 0 0 0 rg BT 197.23 699.90 Td (income ) Tj ET Q q 0 0 0 rg BT 235.53 699.90 Td (and ) Tj ET Q q 0 0 0 rg BT 255.83 699.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 286.14 699.90 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 335.43 699.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 378.40 699.90 Td (of) Tj ET Q q 0 0 0 rg BT 388.18 699.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 408.48 699.90 Td (by ) Tj ET Q q 0 0 0 rg BT 423.46 699.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 453.76 699.90 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 497.72 699.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 547.35 699.90 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 685.50 Td (servicing-related ) Tj ET Q q 0 0 0 rg BT 135.70 685.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 178.75 685.50 Td (was ) Tj ET Q q 0 0 0 rg BT 202.49 685.50 Td ($693 ) Tj ET Q q 0 0 0 rg BT 231.56 685.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 274.31 685.50 Td (a ) Tj ET Q q 0 0 0 rg BT 284.71 685.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 331.08 685.50 Td (of ) Tj ET Q q 0 0 0 rg BT 346.16 685.50 Td ($77 ) Tj ET Q q 0 0 0 rg BT 369.23 685.50 Td (million ) Tj ET Q q 0 0 0 rg BT 408.98 685.50 Td (from ) Tj ET Q q 0 0 0 rg BT 437.38 685.50 Td (the ) Tj ET Q q 0 0 0 rg BT 457.12 685.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 485.52 685.50 Td (year) Tj ET Q q 0 0 0 rg BT 505.50 685.50 Td (. ) Tj ET Q q 0 0 0 rg BT 513.58 685.50 Td (MSR ) Tj ET Q q 0 0 0 rg BT 544.00 685.50 Td (risk ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 671.10 Td (management ) Tj ET Q q 0 0 0 rg BT 113.75 671.10 Td (income ) Tj ET Q q 0 0 0 rg BT 151.51 671.10 Td (was ) Tj ET Q q 0 0 0 rg BT 172.61 671.10 Td ($338 ) Tj ET Q q 0 0 0 rg BT 199.06 671.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 239.17 671.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 272.27 671.10 Td (by ) Tj ET Q q 0 0 0 rg BT 286.71 671.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 358.46 671.10 Td ($220 ) Tj ET Q q 0 0 0 rg BT 384.90 671.10 Td (million ) Tj ET Q q 0 0 0 rg BT 422.01 671.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.45 671.10 Td (positive ) Tj ET Q q 0 0 0 rg BT 474.89 671.10 Td (model ) Tj ET Q q 0 0 0 rg BT 507.33 671.10 Td (assumption ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 656.70 Td (updates ) Tj ET Q q 0 0 0 rg BT 89.16 656.70 Td (also ) Tj ET Q q 0 0 0 rg BT 111.00 656.70 Td (on ) Tj ET Q q 0 0 0 rg BT 125.51 656.70 Td (slower ) Tj ET Q q 0 0 0 rg BT 160.00 656.70 Td (prepayments, ) Tj ET Q q 0 0 0 rg BT 226.82 656.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 276.64 656.70 Td (with ) Tj ET Q q 0 0 0 rg BT 300.48 656.70 Td ($78 ) Tj ET Q q 0 0 0 rg BT 320.98 656.70 Td (million ) Tj ET Q q 0 0 0 rg BT 358.16 656.70 Td (in ) Tj ET Q q 0 0 0 rg BT 370.00 656.70 Td (the ) Tj ET Q q 0 0 0 rg BT 387.17 656.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 413.00 656.70 Td (year; ) Tj ET Q q 0 0 0 rg BT 439.49 656.70 Td (and ) Tj ET Q q 0 0 0 rg BT 459.32 656.70 Td (a ) Tj ET Q q 0 0 0 rg BT 467.15 656.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 488.33 656.70 Td (of ) Tj ET Q q 0 0 0 rg BT 500.84 656.70 Td ($401 ) Tj ET Q q 0 0 0 rg BT 527.34 656.70 Td (million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 642.30 Td (in ) Tj ET Q q 0 0 0 rg BT 61.85 642.30 Td (the ) Tj ET Q q 0 0 0 rg BT 79.03 642.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 104.88 642.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 138.38 642.30 Td (, ) Tj ET Q q 0 0 0 rg BT 143.90 642.30 Td (which ) Tj ET Q q 0 0 0 rg BT 175.74 642.30 Td (included ) Tj ET Q q 0 0 0 rg BT 219.58 642.30 Td (a ) Tj ET Q q 0 0 0 rg BT 227.43 642.30 Td (negative ) Tj ET Q q 0 0 0 rg BT 270.59 642.30 Td ($460 ) Tj ET Q q 0 0 0 rg BT 297.11 642.30 Td (million ) Tj ET Q q 0 0 0 rg BT 334.30 642.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 353.47 642.30 Td (value ) Tj ET Q q 0 0 0 rg BT 381.98 642.30 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 437.16 642.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 484.33 642.30 Td (related ) Tj ET Q q 0 0 0 rg BT 519.49 642.30 Td (to ) Tj ET Q q 0 0 0 rg BT 531.35 642.30 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 627.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 84.91 627.90 Td (allocated ) Tj ET Q q 0 0 0 rg BT 131.15 627.90 Td (to ) Tj ET Q q 0 0 0 rg BT 143.41 627.90 Td (the ) Tj ET Q q 0 0 0 rg BT 161.01 627.90 Td (business. ) Tj ET Q q 0 0 0 rg BT 207.61 627.90 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 256.53 627.90 Td (expense) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 295.18 633.34 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 299.08 627.90 Td ( ) Tj ET Q q 0 0 0 rg BT 302.01 627.90 Td (was ) Tj ET Q q 0 0 0 rg BT 323.60 627.90 Td ($552 ) Tj ET Q q 0 0 0 rg BT 350.53 627.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 391.13 627.90 Td (a ) Tj ET Q q 0 0 0 rg BT 399.39 627.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 443.62 627.90 Td (of ) Tj ET Q q 0 0 0 rg BT 456.55 627.90 Td ($163 ) Tj ET Q q 0 0 0 rg BT 483.48 627.90 Td (million ) Tj ET Q q 0 0 0 rg BT 521.08 627.90 Td (from ) Tj ET Q q 0 0 0 rg BT 547.33 627.90 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 613.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.33 613.50 Td (year) Tj ET Q q 0 0 0 rg BT 96.49 613.50 Td (, ) Tj ET Q q 0 0 0 rg BT 102.49 613.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 151.47 613.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 181.79 613.50 Td (headcount-related ) Tj ET Q q 0 0 0 rg BT 270.74 613.50 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 575.10 Td (Key Metrics and Business Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 566.14 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 543.71 cm /I36 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 546.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 546.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 153.56 546.30 Td (application ) Tj ET Q q 0 0 0 rg BT 209.78 546.30 Td (volumes ) Tj ET Q q 0 0 0 rg BT 253.35 546.30 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 279.57 546.30 Td ($30.1 ) Tj ET Q q 0 0 0 rg BT 309.48 546.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 340.81 546.30 Td (, ) Tj ET Q q 0 0 0 rg BT 346.72 546.30 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 376.29 546.30 Td (54) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 388.29 546.30 Td (% ) Tj ET Q q 0 0 0 rg BT 401.19 546.30 Td (from ) Tj ET Q q 0 0 0 rg BT 427.43 546.30 Td (the ) Tj ET Q q 0 0 0 rg BT 444.99 546.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 471.22 546.30 Td (year ) Tj ET Q q 0 0 0 rg BT 494.78 546.30 Td (and ) Tj ET Q q 0 0 0 rg BT 515.01 546.30 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 531.90 Td (15) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 116.00 531.90 Td (% ) Tj ET Q q 0 0 0 rg BT 129.00 531.90 Td (from ) Tj ET Q q 0 0 0 rg BT 155.32 531.90 Td (the ) Tj ET Q q 0 0 0 rg BT 172.98 531.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 199.31 531.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 232.63 531.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 514.91 cm /I37 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 517.50 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.42 517.50 Td (total ) Tj ET Q q 0 0 0 rg BT 183.51 517.50 Td (third-party ) Tj ET Q q 0 0 0 rg BT 237.60 517.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 285.68 517.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 313.78 517.50 Td (serviced ) Tj ET Q q 0 0 0 rg BT 356.52 517.50 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 382.61 517.50 Td ($786.2 ) Tj ET Q q 0 0 0 rg BT 418.37 517.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 449.71 517.50 Td (, ) Tj ET Q q 0 0 0 rg BT 455.48 517.50 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 484.91 517.50 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 490.91 517.50 Td (% ) Tj ET Q q 0 0 0 rg BT 503.67 517.50 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 503.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 503.10 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 503.10 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 191.96 503.10 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 197.96 503.10 Td (% ) Tj ET Q q 0 0 0 rg BT 210.96 503.10 Td (from ) Tj ET Q q 0 0 0 rg BT 237.28 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.94 503.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.27 503.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 314.59 503.10 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 476.70 Td (Real ) Tj ET Q q 0 0 0 rg BT 76.39 476.70 Td (Estate ) Tj ET Q q 0 0 0 rg BT 110.78 476.70 Td (Portfolios) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 159.45 476.70 Td ( ) Tj ET Q q 0 0 0 rg BT 163.17 476.70 Td (pretax ) Tj ET Q q 0 0 0 rg BT 196.88 476.70 Td (income ) Tj ET Q q 0 0 0 rg BT 235.92 476.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 258.31 476.70 Td ($626 ) Tj ET Q q 0 0 0 rg BT 286.03 476.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 320.70 476.70 Td (, ) Tj ET Q q 0 0 0 rg BT 327.42 476.70 Td (down ) Tj ET Q q 0 0 0 rg BT 357.81 476.70 Td ($540million ) Tj ET Q q 0 0 0 rg BT 423.21 476.70 Td (from ) Tj ET Q q 0 0 0 rg BT 450.26 476.70 Td (the ) Tj ET Q q 0 0 0 rg BT 468.64 476.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 495.69 476.70 Td (year) Tj ET Q q 0 0 0 rg BT 515.86 476.70 Td (, ) Tj ET Q q 0 0 0 rg BT 522.58 476.70 Td (due ) Tj ET Q q 0 0 0 rg BT 543.63 476.70 Td (to ) Tj ET Q q 0 0 0 rg BT 556.69 476.70 Td (a ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 462.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.32 462.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 116.64 462.30 Td (from ) Tj ET Q q 0 0 0 rg BT 142.96 462.30 Td (the ) Tj ET Q q 0 0 0 rg BT 160.63 462.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 208.96 462.30 Td (for ) Tj ET Q q 0 0 0 rg BT 225.95 462.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 256.27 462.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 287.94 462.30 Td (and ) Tj ET Q q 0 0 0 rg BT 308.26 462.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 338.59 462.30 Td (net ) Tj ET Q q 0 0 0 rg BT 356.25 462.30 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 400.22 462.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 443.21 462.30 Td (of) Tj ET Q q 0 0 0 rg BT 452.98 462.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 473.31 462.30 Td (by ) Tj ET Q q 0 0 0 rg BT 488.31 462.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 518.63 462.30 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 441.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.55 441.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.74 441.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 133.62 441.90 Td ($779 ) Tj ET Q q 0 0 0 rg BT 160.84 441.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 195.51 441.90 Td (, ) Tj ET Q q 0 0 0 rg BT 201.73 441.90 Td (a ) Tj ET Q q 0 0 0 rg BT 210.28 441.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 254.79 441.90 Td (of ) Tj ET Q q 0 0 0 rg BT 268.01 441.90 Td ($129million, ) Tj ET Q q 0 0 0 rg BT 335.90 441.90 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 349.12 441.90 Td (14) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 361.12 441.90 Td (%, ) Tj ET Q q 0 0 0 rg BT 377.33 441.90 Td (from ) Tj ET Q q 0 0 0 rg BT 403.88 441.90 Td (the ) Tj ET Q q 0 0 0 rg BT 421.76 441.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 448.30 441.90 Td (year) Tj ET Q q 0 0 0 rg BT 468.29 441.90 Td (. ) Tj ET Q q 0 0 0 rg BT 474.28 441.90 Td (This ) Tj ET Q q 0 0 0 rg BT 498.83 441.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 543.35 441.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 427.50 Td (lar) Tj ET Q q 0 0 0 rg BT 62.44 427.50 Td (gely ) Tj ET Q q 0 0 0 rg BT 86.10 427.50 Td (due ) Tj ET Q q 0 0 0 rg BT 106.43 427.50 Td (to ) Tj ET Q q 0 0 0 rg BT 118.76 427.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 149.08 427.50 Td (net ) Tj ET Q q 0 0 0 rg BT 166.74 427.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 205.06 427.50 Td (income ) Tj ET Q q 0 0 0 rg BT 243.38 427.50 Td (resulting ) Tj ET Q q 0 0 0 rg BT 288.38 427.50 Td (from ) Tj ET Q q 0 0 0 rg BT 314.70 427.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 345.03 427.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 368.69 427.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 412.99 427.50 Td (due ) Tj ET Q q 0 0 0 rg BT 433.32 427.50 Td (to ) Tj ET Q q 0 0 0 rg BT 445.65 427.50 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 490.65 427.50 Td (runof) Tj ET Q q 0 0 0 rg BT 516.42 427.50 Td (f.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 407.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.24 407.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.16 407.10 Td (for ) Tj ET Q q 0 0 0 rg BT 135.74 407.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 165.64 407.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 196.90 407.10 Td (was ) Tj ET Q q 0 0 0 rg BT 218.14 407.10 Td (a ) Tj ET Q q 0 0 0 rg BT 226.06 407.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 261.96 407.10 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 274.54 407.10 Td ($189 ) Tj ET Q q 0 0 0 rg BT 301.12 407.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 335.79 407.10 Td (, ) Tj ET Q q 0 0 0 rg BT 341.38 407.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 391.27 407.10 Td (with ) Tj ET Q q 0 0 0 rg BT 415.19 407.10 Td (a ) Tj ET Q q 0 0 0 rg BT 423.10 407.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 459.01 407.10 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 471.59 407.10 Td ($662 ) Tj ET Q q 0 0 0 rg BT 498.17 407.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 532.84 407.10 Td ( ) Tj ET Q q 0 0 0 rg BT 535.43 407.10 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 407.10 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 392.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 75.79 392.70 Td (year) Tj ET Q q 0 0 0 rg BT 95.78 392.70 Td (. ) Tj ET Q q 0 0 0 rg BT 101.06 392.70 Td (The ) Tj ET Q q 0 0 0 rg BT 122.19 392.70 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 196.60 392.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 244.40 392.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 288.83 392.70 Td (a ) Tj ET Q q 0 0 0 rg BT 296.63 392.70 Td ($300 ) Tj ET Q q 0 0 0 rg BT 323.09 392.70 Td (million ) Tj ET Q q 0 0 0 rg BT 360.23 392.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 408.01 392.70 Td (in ) Tj ET Q q 0 0 0 rg BT 419.81 392.70 Td (the ) Tj ET Q q 0 0 0 rg BT 436.93 392.70 Td (purchased ) Tj ET Q q 0 0 0 rg BT 488.04 392.70 Td (credit-impaired ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 378.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 101.97 378.30 Td (for ) Tj ET Q q 0 0 0 rg BT 119.30 378.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 143.29 378.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 178.29 378.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 227.60 378.30 Td (continued ) Tj ET Q q 0 0 0 rg BT 278.25 378.30 Td (improvement ) Tj ET Q q 0 0 0 rg BT 345.57 378.30 Td (in ) Tj ET Q q 0 0 0 rg BT 358.23 378.30 Td (home ) Tj ET Q q 0 0 0 rg BT 388.23 378.30 Td (prices ) Tj ET Q q 0 0 0 rg BT 420.21 378.30 Td (and ) Tj ET Q q 0 0 0 rg BT 440.87 378.30 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 512.94 378.30 Td (The ) Tj ET Q q 0 0 0 rg BT 534.93 378.30 Td (prior) Tj ET Q q 0 0 0 rg BT 558.01 378.30 Td (-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 363.90 Td (year ) Tj ET Q q 0 0 0 rg BT 73.79 363.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 122.27 363.90 Td (included ) Tj ET Q q 0 0 0 rg BT 166.73 363.90 Td (a ) Tj ET Q q 0 0 0 rg BT 175.20 363.90 Td ($950 ) Tj ET Q q 0 0 0 rg BT 202.35 363.90 Td (million ) Tj ET Q q 0 0 0 rg BT 240.16 363.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 288.62 363.90 Td (in ) Tj ET Q q 0 0 0 rg BT 301.10 363.90 Td (the ) Tj ET Q q 0 0 0 rg BT 318.90 363.90 Td (non ) Tj ET Q q 0 0 0 rg BT 340.04 363.90 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 417.15 363.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 468.93 363.90 Td (for ) Tj ET Q q 0 0 0 rg BT 486.07 363.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 509.87 363.90 Td (losses. ) Tj ET Q q 0 0 0 rg BT 544.69 363.90 Td (Net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 349.50 Td (char) Tj ET Q q 0 0 0 rg BT 70.43 349.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 95.53 349.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 107.41 349.50 Td (were ) Tj ET Q q 0 0 0 rg BT 133.93 349.50 Td ($1) Tj ET Q q 0 0 0 rg BT 145.48 349.50 Td (1) Tj ET Q q 0 0 0 rg BT 151.04 349.50 Td (1million, ) Tj ET Q q 0 0 0 rg BT 200.92 349.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 251.43 349.50 Td (with ) Tj ET Q q 0 0 0 rg BT 275.98 349.50 Td ($288 ) Tj ET Q q 0 0 0 rg BT 303.18 349.50 Td (million ) Tj ET Q q 0 0 0 rg BT 341.06 349.50 Td (in ) Tj ET Q q 0 0 0 rg BT 353.60 349.50 Td (the ) Tj ET Q q 0 0 0 rg BT 371.47 349.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 398.01 349.50 Td (year) Tj ET Q q 0 0 0 rg BT 417.99 349.50 Td (. ) Tj ET Q q 0 0 0 rg BT 424.20 349.50 Td (Home ) Tj ET Q q 0 0 0 rg BT 456.73 349.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 489.94 349.50 Td (net ) Tj ET Q q 0 0 0 rg BT 507.80 349.50 Td (char) Tj ET Q q 0 0 0 rg BT 528.24 349.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 553.34 349.50 Td (fs ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 335.10 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 76.00 335.10 Td ($125 ) Tj ET Q q 0 0 0 rg BT 102.68 335.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 137.35 335.10 Td ( ) Tj ET Q q 0 0 0 rg BT 140.04 335.10 Td (\() Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 144.03 335.10 Td (0.91) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 165.03 335.10 Td (% ) Tj ET Q q 0 0 0 rg BT 177.71 335.10 Td (net ) Tj ET Q q 0 0 0 rg BT 195.05 335.10 Td (char) Tj ET Q q 0 0 0 rg BT 215.49 335.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 240.59 335.10 Td (f ) Tj ET Q q 0 0 0 rg BT 247.27 335.10 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 265.25 340.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 269.15 335.10 Td (\), ) Tj ET Q q 0 0 0 rg BT 278.83 335.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 328.82 335.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 352.84 335.10 Td ($236 ) Tj ET Q q 0 0 0 rg BT 379.52 335.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 414.19 335.10 Td ( ) Tj ET Q q 0 0 0 rg BT 416.88 335.10 Td (\() Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 420.87 335.10 Td (1.49) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 441.87 335.10 Td (% ) Tj ET Q q 0 0 0 rg BT 454.55 335.10 Td (net ) Tj ET Q q 0 0 0 rg BT 471.90 335.10 Td (char) Tj ET Q q 0 0 0 rg BT 492.33 335.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 517.43 335.10 Td (f ) Tj ET Q q 0 0 0 rg BT 524.11 335.10 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 542.09 340.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 545.99 335.10 Td (\) ) Tj ET Q q 0 0 0 rg BT 552.67 335.10 Td (in ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 320.70 Td (the ) Tj ET Q q 0 0 0 rg BT 67.06 320.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 92.78 320.70 Td (year) Tj ET Q q 0 0 0 rg BT 112.77 320.70 Td (. ) Tj ET Q q 0 0 0 rg BT 118.17 320.70 Td (Subprime ) Tj ET Q q 0 0 0 rg BT 167.23 320.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 214.94 320.70 Td (net ) Tj ET Q q 0 0 0 rg BT 232.00 320.70 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 283.70 320.70 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 309.41 320.70 Td ($5 ) Tj ET Q q 0 0 0 rg BT 323.81 320.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 358.48 320.70 Td ( ) Tj ET Q q 0 0 0 rg BT 360.88 320.70 Td (\() Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 364.87 320.70 Td (0.30) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 385.87 320.70 Td (% ) Tj ET Q q 0 0 0 rg BT 398.27 320.70 Td (net ) Tj ET Q q 0 0 0 rg BT 415.33 320.70 Td (recovery ) Tj ET Q q 0 0 0 rg BT 459.69 320.70 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 477.68 326.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 481.58 320.70 Td (\), ) Tj ET Q q 0 0 0 rg BT 490.97 320.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.68 320.70 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 306.30 Td (net ) Tj ET Q q 0 0 0 rg BT 68.53 306.30 Td (char) Tj ET Q q 0 0 0 rg BT 88.96 306.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 114.06 306.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 126.60 306.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 140.46 306.30 Td ($33 ) Tj ET Q q 0 0 0 rg BT 162.33 306.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 197.00 306.30 Td ( ) Tj ET Q q 0 0 0 rg BT 200.87 306.30 Td (\() Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 204.86 306.30 Td (1.69) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 225.86 306.30 Td (% ) Tj ET Q q 0 0 0 rg BT 239.73 306.30 Td (net ) Tj ET Q q 0 0 0 rg BT 258.26 306.30 Td (char) Tj ET Q q 0 0 0 rg BT 278.69 306.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 303.79 306.30 Td (f ) Tj ET Q q 0 0 0 rg BT 311.66 306.30 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 329.64 311.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 333.54 306.30 Td (\). ) Tj ET Q q 0 0 0 rg BT 344.40 306.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 365.60 306.30 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 418.77 306.30 Td (of ) Tj ET Q q 0 0 0 rg BT 432.63 306.30 Td (prime ) Tj ET Q q 0 0 0 rg BT 464.49 306.30 Td (mortgage, ) Tj ET Q q 0 0 0 rg BT 516.68 306.30 Td (including ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 291.90 Td (option ) Tj ET Q q 0 0 0 rg BT 83.29 291.90 Td (ARMs, ) Tj ET Q q 0 0 0 rg BT 121.66 291.90 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 148.33 291.90 Td ($12 ) Tj ET Q q 0 0 0 rg BT 169.69 291.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 204.36 291.90 Td ( ) Tj ET Q q 0 0 0 rg BT 207.72 291.90 Td (\() Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 211.72 291.90 Td (0.09) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 232.72 291.90 Td (% ) Tj ET Q q 0 0 0 rg BT 246.07 291.90 Td (net ) Tj ET Q q 0 0 0 rg BT 264.10 291.90 Td (recovery ) Tj ET Q q 0 0 0 rg BT 309.43 291.90 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 327.41 297.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 331.31 291.90 Td (\), ) Tj ET Q q 0 0 0 rg BT 341.66 291.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 392.33 291.90 Td (with ) Tj ET Q q 0 0 0 rg BT 417.03 291.90 Td (net ) Tj ET Q q 0 0 0 rg BT 435.05 291.90 Td (char) Tj ET Q q 0 0 0 rg BT 455.48 291.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 480.58 291.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 492.61 291.90 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 505.96 291.90 Td ($16 ) Tj ET Q q 0 0 0 rg BT 527.32 291.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 561.99 291.90 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 277.50 Td (\() Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 54.00 277.50 Td (0.15) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 75.00 277.50 Td (% ) Tj ET Q q 0 0 0 rg BT 87.99 277.50 Td (net ) Tj ET Q q 0 0 0 rg BT 105.65 277.50 Td (char) Tj ET Q q 0 0 0 rg BT 126.08 277.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 151.19 277.50 Td (f ) Tj ET Q q 0 0 0 rg BT 158.18 277.50 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 176.16 282.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 180.06 277.50 Td (\).) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 257.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.78 257.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 152.23 257.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 174.69 257.10 Td ($342 ) Tj ET Q q 0 0 0 rg BT 202.48 257.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 237.15 257.10 Td (, ) Tj ET Q q 0 0 0 rg BT 243.95 257.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.07 257.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 298.17 257.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.96 257.10 Td ($62million, ) Tj ET Q q 0 0 0 rg BT 374.43 257.10 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 388.22 257.10 Td (15) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 400.22 257.10 Td (%, ) Tj ET Q q 0 0 0 rg BT 417.01 257.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 468.12 257.10 Td (with ) Tj ET Q q 0 0 0 rg BT 493.25 257.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.71 257.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.83 257.10 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 257.10 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 242.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 83.66 242.70 Td (by ) Tj ET Q q 0 0 0 rg BT 98.66 242.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 128.98 242.70 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 181.95 242.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 208.28 242.70 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 201.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 201.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 201.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 201.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 201.90 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 192.94 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 192.94 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 192.94 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 192.94 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 192.94 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 192.94 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 192.94 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 192.94 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 192.94 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 192.94 Td (noted. ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 257.02 192.94 Td (A) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 261.65 192.94 Td (verage ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 284.81 192.94 Td (loans ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 304.10 192.94 Td (include ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 329.88 192.94 Td (PCI ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 344.83 192.94 Td (loans\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 170.51 cm /I38 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 173.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 173.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 152.84 173.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 195.70 173.10 Td (return ) Tj ET Q q 0 0 0 rg BT 226.54 173.10 Td (on ) Tj ET Q q 0 0 0 rg BT 240.73 173.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 272.91 173.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 293.76 173.10 Td (16) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 305.76 173.10 Td (% ) Tj ET Q q 0 0 0 rg BT 317.95 173.10 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 332.14 173.10 Td ($18.0 ) Tj ET Q q 0 0 0 rg BT 361.33 173.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 392.67 173.10 Td ( ) Tj ET Q q 0 0 0 rg BT 394.86 173.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.04 173.10 Td (average ) Tj ET Q q 0 0 0 rg BT 446.53 173.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 492.03 173.10 Td (capital. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 156.11 cm /I39 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 158.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 158.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 158.70 Td (home ) Tj ET Q q 0 0 0 rg BT 176.41 158.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 209.40 158.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.73 158.70 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 264.05 158.70 Td ($73.6 ) Tj ET Q q 0 0 0 rg BT 294.05 158.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 325.38 158.70 Td (, ) Tj ET Q q 0 0 0 rg BT 331.38 158.70 Td (down ) Tj ET Q q 0 0 0 rg BT 361.05 158.70 Td ($10.2 ) Tj ET Q q 0 0 0 rg BT 391.05 158.70 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 141.71 cm /I40 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 144.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 144.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 144.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 195.07 144.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.40 144.30 Td (were ) Tj ET Q q 0 0 0 rg BT 249.71 144.30 Td ($92.4 ) Tj ET Q q 0 0 0 rg BT 279.71 144.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 317.05 144.30 Td (up ) Tj ET Q q 0 0 0 rg BT 332.05 144.30 Td ($4.3 ) Tj ET Q q 0 0 0 rg BT 356.05 144.30 Td (billion. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 127.31 cm /I41 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 129.90 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 158.98 129.90 Td (for ) Tj ET Q q 0 0 0 rg BT 175.97 129.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.63 129.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 231.30 129.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 252.96 129.90 Td ($6.1 ) Tj ET Q q 0 0 0 rg BT 276.96 129.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 308.30 129.90 Td (, ) Tj ET Q q 0 0 0 rg BT 314.30 129.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 364.61 129.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 388.94 129.90 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 412.94 129.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 444.28 129.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 112.91 cm /I42 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 115.50 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 159.97 115.50 Td (for ) Tj ET Q q 0 0 0 rg BT 177.95 115.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 202.59 115.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 235.25 115.50 Td (to ) Tj ET Q q 0 0 0 rg BT 248.57 115.50 Td (ending ) Tj ET Q q 0 0 0 rg BT 285.22 115.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.54 115.50 Td (retained, ) Tj ET Q q 0 0 0 rg BT 360.17 115.50 Td (excluding ) Tj ET Q q 0 0 0 rg BT 411.47 115.50 Td (PCI ) Tj ET Q q 0 0 0 rg BT 434.13 115.50 Td (loans) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 459.46 120.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 463.36 115.50 Td (, ) Tj ET Q q 0 0 0 rg BT 470.35 115.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 493.00 115.50 Td (2.04) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 514.00 115.50 Td (%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 101.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 101.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 178.64 101.10 Td (2.85) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 199.64 101.10 Td (%.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Card, ) Tj ET Q q 0 0 0 rg BT 84.17 740.90 Td (Mer) Tj ET Q q 0 0 0 rg BT 105.93 740.90 Td (chant ) Tj ET Q q 0 0 0 rg BT 139.10 740.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 185.58 740.90 Td (& ) Tj ET Q q 0 0 0 rg BT 199.08 740.90 Td (Auto) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 224.42 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 228.92 740.90 Td (net ) Tj ET Q q 0 0 0 rg BT 248.08 740.90 Td (income ) Tj ET Q q 0 0 0 rg BT 287.90 740.90 Td (was ) Tj ET Q q 0 0 0 rg BT 311.06 740.90 Td ($840 ) Tj ET Q q 0 0 0 rg BT 339.56 740.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 381.73 740.90 Td (a ) Tj ET Q q 0 0 0 rg BT 391.56 740.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 437.35 740.90 Td (of ) Tj ET Q q 0 0 0 rg BT 451.85 740.90 Td ($409 ) Tj ET Q q 0 0 0 rg BT 480.35 740.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 522.52 740.90 Td (or ) Tj ET Q q 0 0 0 rg BT 537.02 740.90 Td (33%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.68 726.50 Td (with ) Tj ET Q q 0 0 0 rg BT 125.39 726.50 Td (the ) Tj ET Q q 0 0 0 rg BT 143.43 726.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 170.13 726.50 Td (year) Tj ET Q q 0 0 0 rg BT 190.30 726.50 Td (, ) Tj ET Q q 0 0 0 rg BT 196.67 726.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 230.70 726.50 Td (by ) Tj ET Q q 0 0 0 rg BT 246.08 726.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 280.11 726.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 328.82 726.50 Td (for ) Tj ET Q q 0 0 0 rg BT 346.19 726.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 376.88 726.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 411.92 726.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 445.95 726.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 502.65 726.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 544.67 726.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.32 712.10 Td (net ) Tj ET Q q 0 0 0 rg BT 97.98 712.10 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 691.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.16 691.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.98 691.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 132.48 691.70 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 156.31 691.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 187.65 691.70 Td (, ) Tj ET Q q 0 0 0 rg BT 193.49 691.70 Td (down ) Tj ET Q q 0 0 0 rg BT 222.99 691.70 Td ($1) Tj ET Q q 0 0 0 rg BT 234.54 691.70 Td (17 ) Tj ET Q q 0 0 0 rg BT 249.38 691.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 289.89 691.70 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 302.72 691.70 Td (3) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 308.72 691.70 Td (%, ) Tj ET Q q 0 0 0 rg BT 324.56 691.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.70 691.70 Td (with ) Tj ET Q q 0 0 0 rg BT 398.87 691.70 Td (the ) Tj ET Q q 0 0 0 rg BT 416.37 691.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.53 691.70 Td (year) Tj ET Q q 0 0 0 rg BT 462.52 691.70 Td (. ) Tj ET Q q 0 0 0 rg BT 468.36 691.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.52 691.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.68 691.70 Td (income ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 677.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 70.61 677.30 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 93.56 677.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 124.90 677.30 Td (, ) Tj ET Q q 0 0 0 rg BT 129.85 677.30 Td (down ) Tj ET Q q 0 0 0 rg BT 158.47 677.30 Td ($162 ) Tj ET Q q 0 0 0 rg BT 184.42 677.30 Td (million ) Tj ET Q q 0 0 0 rg BT 221.04 677.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 270.30 677.30 Td (with ) Tj ET Q q 0 0 0 rg BT 293.59 677.30 Td (the ) Tj ET Q q 0 0 0 rg BT 310.20 677.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 335.47 677.30 Td (year) Tj ET Q q 0 0 0 rg BT 355.64 677.30 Td (, ) Tj ET Q q 0 0 0 rg BT 360.59 677.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 393.20 677.30 Td (by ) Tj ET Q q 0 0 0 rg BT 407.15 677.30 Td (spread ) Tj ET Q q 0 0 0 rg BT 440.42 677.30 Td (compression. ) Tj ET Q q 0 0 0 rg BT 506.03 677.30 Td (Noninterest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 662.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 91.83 662.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 114.34 662.90 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 139.19 662.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 170.53 662.90 Td (, ) Tj ET Q q 0 0 0 rg BT 177.38 662.90 Td (up ) Tj ET Q q 0 0 0 rg BT 193.23 662.90 Td ($45 ) Tj ET Q q 0 0 0 rg BT 215.08 662.90 Td (million ) Tj ET Q q 0 0 0 rg BT 253.60 662.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 304.76 662.90 Td (with ) Tj ET Q q 0 0 0 rg BT 329.94 662.90 Td (the ) Tj ET Q q 0 0 0 rg BT 348.46 662.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 375.63 662.90 Td (year) Tj ET Q q 0 0 0 rg BT 395.80 662.90 Td (, ) Tj ET Q q 0 0 0 rg BT 402.65 662.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 437.16 662.90 Td (by ) Tj ET Q q 0 0 0 rg BT 453.01 662.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 487.52 662.90 Td (net ) Tj ET Q q 0 0 0 rg BT 506.03 662.90 Td (interchange ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 648.50 Td (income, ) Tj ET Q q 0 0 0 rg BT 91.32 648.50 Td (lar) Tj ET Q q 0 0 0 rg BT 103.76 648.50 Td (gely ) Tj ET Q q 0 0 0 rg BT 127.42 648.50 Td (of) Tj ET Q q 0 0 0 rg BT 137.20 648.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 157.53 648.50 Td (by ) Tj ET Q q 0 0 0 rg BT 172.53 648.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 206.18 648.50 Td (amortization ) Tj ET Q q 0 0 0 rg BT 269.83 648.50 Td (of ) Tj ET Q q 0 0 0 rg BT 282.82 648.50 Td (new ) Tj ET Q q 0 0 0 rg BT 305.81 648.50 Td (account ) Tj ET Q q 0 0 0 rg BT 346.13 648.50 Td (origination ) Tj ET Q q 0 0 0 rg BT 401.79 648.50 Td (costs.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (The ) Tj ET Q q 0 0 0 rg BT 72.25 628.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 121.18 628.10 Td (for ) Tj ET Q q 0 0 0 rg BT 138.77 628.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 169.68 628.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 201.94 628.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 224.20 628.10 Td ($974 ) Tj ET Q q 0 0 0 rg BT 251.79 628.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 286.46 628.10 Td (, ) Tj ET Q q 0 0 0 rg BT 293.06 628.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 343.96 628.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 368.89 628.10 Td ($564 ) Tj ET Q q 0 0 0 rg BT 396.49 628.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 431.16 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 434.75 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.68 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.93 628.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 492.85 628.10 Td (year ) Tj ET Q q 0 0 0 rg BT 517.10 628.10 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 538.02 628.10 Td ($763 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 613.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 84.67 613.70 Td ( ) Tj ET Q q 0 0 0 rg BT 87.63 613.70 Td (in ) Tj ET Q q 0 0 0 rg BT 99.93 613.70 Td (the ) Tj ET Q q 0 0 0 rg BT 117.56 613.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 143.85 613.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 177.17 613.70 Td (. ) Tj ET Q q 0 0 0 rg BT 182.92 613.70 Td (The ) Tj ET Q q 0 0 0 rg BT 204.54 613.70 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 279.46 613.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 327.75 613.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 372.68 613.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 402.97 613.70 Td (net ) Tj ET Q q 0 0 0 rg BT 420.60 613.70 Td (char) Tj ET Q q 0 0 0 rg BT 441.03 613.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 466.13 613.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 477.76 613.70 Td (and ) Tj ET Q q 0 0 0 rg BT 498.05 613.70 Td (a ) Tj ET Q q 0 0 0 rg BT 506.34 613.70 Td ($53million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 599.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 98.78 599.30 Td (in ) Tj ET Q q 0 0 0 rg BT 111.58 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 129.70 599.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 181.81 599.30 Td (for ) Tj ET Q q 0 0 0 rg BT 199.26 599.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 223.39 599.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 258.52 599.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 306.64 599.30 Td (in ) Tj ET Q q 0 0 0 rg BT 319.44 599.30 Td (Student. ) Tj ET Q q 0 0 0 rg BT 362.32 599.30 Td (The ) Tj ET Q q 0 0 0 rg BT 384.44 599.30 Td (prior) Tj ET Q q 0 0 0 rg BT 407.53 599.30 Td (-year ) Tj ET Q q 0 0 0 rg BT 435.64 599.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 484.43 599.30 Td (included ) Tj ET Q q 0 0 0 rg BT 529.22 599.30 Td (a ) Tj ET Q q 0 0 0 rg BT 538.01 599.30 Td ($550 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 584.90 Td (million ) Tj ET Q q 0 0 0 rg BT 88.41 584.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 137.47 584.90 Td (in ) Tj ET Q q 0 0 0 rg BT 150.54 584.90 Td (the ) Tj ET Q q 0 0 0 rg BT 168.95 584.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 221.33 584.90 Td (for ) Tj ET Q q 0 0 0 rg BT 239.06 584.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 263.46 584.90 Td (losses. ) Tj ET Q q 0 0 0 rg BT 298.60 584.90 Td (The ) Tj ET Q q 0 0 0 rg BT 321.00 584.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 354.73 584.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 381.80 584.90 Td (net ) Tj ET Q q 0 0 0 rg BT 400.20 584.90 Td (char) Tj ET Q q 0 0 0 rg BT 420.63 584.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 445.74 584.90 Td (f ) Tj ET Q q 0 0 0 rg BT 453.47 584.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 475.20 584.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 497.60 584.90 Td (2.88) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 518.60 584.90 Td (%, ) Tj ET Q q 0 0 0 rg BT 535.34 584.90 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 570.50 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 75.96 570.50 Td (3.31) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 96.96 570.50 Td (% ) Tj ET Q q 0 0 0 rg BT 109.59 570.50 Td (in ) Tj ET Q q 0 0 0 rg BT 121.56 570.50 Td (the ) Tj ET Q q 0 0 0 rg BT 138.85 570.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 164.81 570.50 Td (year ) Tj ET Q q 0 0 0 rg BT 188.09 570.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 208.05 570.50 Td (2.93) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 229.05 570.50 Td (% ) Tj ET Q q 0 0 0 rg BT 241.68 570.50 Td (in ) Tj ET Q q 0 0 0 rg BT 253.65 570.50 Td (the ) Tj ET Q q 0 0 0 rg BT 270.95 570.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 296.91 570.50 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 336.85 570.50 Td (the ) Tj ET Q q 0 0 0 rg BT 354.15 570.50 Td (30+ ) Tj ET Q q 0 0 0 rg BT 375.55 570.50 Td (day ) Tj ET Q q 0 0 0 rg BT 395.51 570.50 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 456.79 570.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 477.40 570.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 498.70 570.50 Td (1.41) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 519.70 570.50 Td (%, ) Tj ET Q q 0 0 0 rg BT 535.33 570.50 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (from ) Tj ET Q q 0 0 0 rg BT 76.98 556.10 Td (1.69% ) Tj ET Q q 0 0 0 rg BT 111.62 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 124.60 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.91 556.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 169.89 556.10 Td (year ) Tj ET Q q 0 0 0 rg BT 194.18 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.16 556.10 Td (1.61% ) Tj ET Q q 0 0 0 rg BT 249.80 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 262.79 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.10 556.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 308.07 556.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 341.39 556.10 Td (. ) Tj ET Q q 0 0 0 rg BT 347.77 556.10 Td (The ) Tj ET Q q 0 0 0 rg BT 369.27 556.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 396.92 556.10 Td (net ) Tj ET Q q 0 0 0 rg BT 415.23 556.10 Td (char) Tj ET Q q 0 0 0 rg BT 435.66 556.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 460.76 556.10 Td (f ) Tj ET Q q 0 0 0 rg BT 468.41 556.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 490.04 556.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 512.35 556.10 Td (0.22) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 533.35 556.10 Td (%, ) Tj ET Q q 0 0 0 rg BT 550.00 556.10 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 541.70 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 76.33 541.70 Td (0.18) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 97.33 541.70 Td (% ) Tj ET Q q 0 0 0 rg BT 110.32 541.70 Td (in ) Tj ET Q q 0 0 0 rg BT 122.66 541.70 Td (the ) Tj ET Q q 0 0 0 rg BT 140.32 541.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 166.64 541.70 Td (year ) Tj ET Q q 0 0 0 rg BT 190.29 541.70 Td (and ) Tj ET Q q 0 0 0 rg BT 210.62 541.70 Td (down ) Tj ET Q q 0 0 0 rg BT 240.28 541.70 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 266.61 541.70 Td (0.32) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 287.61 541.70 Td (% ) Tj ET Q q 0 0 0 rg BT 300.61 541.70 Td (in ) Tj ET Q q 0 0 0 rg BT 312.94 541.70 Td (the ) Tj ET Q q 0 0 0 rg BT 330.60 541.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.93 541.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 390.24 541.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 521.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 111.02 521.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 154.69 521.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 178.38 521.30 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 204.41 521.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 235.75 521.30 Td (, ) Tj ET Q q 0 0 0 rg BT 243.78 521.30 Td (up ) Tj ET Q q 0 0 0 rg BT 260.81 521.30 Td ($136 ) Tj ET Q q 0 0 0 rg BT 289.84 521.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 332.54 521.30 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 347.56 521.30 Td (7) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 353.56 521.30 Td (%, ) Tj ET Q q 0 0 0 rg BT 371.59 521.30 Td (from ) Tj ET Q q 0 0 0 rg BT 399.94 521.30 Td (the ) Tj ET Q q 0 0 0 rg BT 419.63 521.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 447.99 521.30 Td (year) Tj ET Q q 0 0 0 rg BT 468.16 521.30 Td (, ) Tj ET Q q 0 0 0 rg BT 476.19 521.30 Td (lar) Tj ET Q q 0 0 0 rg BT 488.63 521.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 514.31 521.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.00 521.30 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 506.90 Td (investments ) Tj ET Q q 0 0 0 rg BT 110.33 506.90 Td (in ) Tj ET Q q 0 0 0 rg BT 122.66 506.90 Td (controls, ) Tj ET Q q 0 0 0 rg BT 167.32 506.90 Td (timing ) Tj ET Q q 0 0 0 rg BT 201.66 506.90 Td (of ) Tj ET Q q 0 0 0 rg BT 214.65 506.90 Td (marketing ) Tj ET Q q 0 0 0 rg BT 266.30 506.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 321.96 506.90 Td (in ) Tj ET Q q 0 0 0 rg BT 334.30 506.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 367.29 506.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 393.62 506.90 Td (and ) Tj ET Q q 0 0 0 rg BT 413.94 506.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 447.60 506.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 473.92 506.90 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 472.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 472.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 472.10 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 463.14 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 463.14 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 463.14 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 463.14 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 463.14 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 463.14 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 463.14 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 463.14 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 463.14 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 463.14 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 440.71 cm /I43 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 443.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 443.30 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 443.30 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 443.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 443.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 209.32 443.30 Td (18) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 221.32 443.30 Td (% ) Tj ET Q q 0 0 0 rg BT 234.31 443.30 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.31 443.30 Td ($19.0 ) Tj ET Q q 0 0 0 rg BT 279.31 443.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 310.65 443.30 Td ( ) Tj ET Q q 0 0 0 rg BT 313.65 443.30 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 443.30 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 443.30 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 443.30 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 426.31 cm /I44 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 428.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 118.58 428.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.48 428.90 Td (card ) Tj ET Q q 0 0 0 rg BT 171.72 428.90 Td (issuer ) Tj ET Q q 0 0 0 rg BT 202.30 428.90 Td (in ) Tj ET Q q 0 0 0 rg BT 214.21 428.90 Td (the ) Tj ET Q q 0 0 0 rg BT 231.46 428.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 255.38 428.90 Td (based ) Tj ET Q q 0 0 0 rg BT 285.29 428.90 Td (on ) Tj ET Q q 0 0 0 rg BT 299.87 428.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 327.79 428.90 Td (outstandings) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 388.46 434.34 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 392.35 428.90 Td (; ) Tj ET Q q 0 0 0 rg BT 398.27 428.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 412.86 428.90 Td (global ) Tj ET Q q 0 0 0 rg BT 445.25 428.90 Td (V) Tj ET Q q 0 0 0 rg BT 453.19 428.90 Td (isa ) Tj ET Q q 0 0 0 rg BT 469.11 428.90 Td (issuer ) Tj ET Q q 0 0 0 rg BT 499.69 428.90 Td (based ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 414.50 Td (on ) Tj ET Q q 0 0 0 rg BT 119.00 414.50 Td (consumer ) Tj ET Q q 0 0 0 rg BT 168.65 414.50 Td (and ) Tj ET Q q 0 0 0 rg BT 188.98 414.50 Td (business ) Tj ET Q q 0 0 0 rg BT 232.65 414.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 262.96 414.50 Td (card ) Tj ET Q q 0 0 0 rg BT 286.61 414.50 Td (sales ) Tj ET Q q 0 0 0 rg BT 312.94 414.50 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 348.93 419.94 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 352.83 414.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 397.51 cm /I45 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 400.10 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.31 400.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 191.95 400.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 217.93 400.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 241.24 400.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 285.21 400.10 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 311.17 400.10 Td ($126.1 ) Tj ET Q q 0 0 0 rg BT 346.83 400.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 378.16 400.10 Td (, ) Tj ET Q q 0 0 0 rg BT 383.81 400.10 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 398.47 400.10 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 404.47 400.10 Td (% ) Tj ET Q q 0 0 0 rg BT 417.12 400.10 Td (from ) Tj ET Q q 0 0 0 rg BT 443.10 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.41 400.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.39 400.10 Td (year ) Tj ET Q q 0 0 0 rg BT 509.69 400.10 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 385.70 Td (4) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 110.00 385.70 Td (% ) Tj ET Q q 0 0 0 rg BT 122.45 385.70 Td (from ) Tj ET Q q 0 0 0 rg BT 148.23 385.70 Td (the ) Tj ET Q q 0 0 0 rg BT 165.34 385.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 191.12 385.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 224.44 385.70 Td (. ) Tj ET Q q 0 0 0 rg BT 229.89 385.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 262.34 385.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 288.12 385.70 Td (average ) Tj ET Q q 0 0 0 rg BT 327.88 385.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 355.66 385.70 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 381.43 385.70 Td ($123.7 ) Tj ET Q q 0 0 0 rg BT 416.88 385.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 448.22 385.70 Td (, ) Tj ET Q q 0 0 0 rg BT 453.67 385.70 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 468.12 385.70 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 474.12 385.70 Td (% ) Tj ET Q q 0 0 0 rg BT 486.57 385.70 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 385.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 371.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 371.30 Td (year ) Tj ET Q q 0 0 0 rg BT 153.97 371.30 Td (and ) Tj ET Q q 0 0 0 rg BT 174.30 371.30 Td (flat ) Tj ET Q q 0 0 0 rg BT 193.29 371.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 243.60 371.30 Td (with ) Tj ET Q q 0 0 0 rg BT 267.93 371.30 Td (the ) Tj ET Q q 0 0 0 rg BT 285.59 371.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 311.92 371.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 345.24 371.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 354.31 cm /I46 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 356.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 130.34 356.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 174.00 356.90 Td (net ) Tj ET Q q 0 0 0 rg BT 191.68 356.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.67 356.90 Td (as ) Tj ET Q q 0 0 0 rg BT 245.68 356.90 Td (a ) Tj ET Q q 0 0 0 rg BT 254.01 356.90 Td (percentage ) Tj ET Q q 0 0 0 rg BT 308.99 356.90 Td (of ) Tj ET Q q 0 0 0 rg BT 322.00 356.90 Td (average ) Tj ET Q q 0 0 0 rg BT 362.31 356.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 390.66 356.90 Td (was ) Tj ET Q q 0 0 0 rg BT 412.33 356.90 Td (12.15%, ) Tj ET Q q 0 0 0 rg BT 455.34 356.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 505.66 356.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 342.50 Td (12.59% ) Tj ET Q q 0 0 0 rg BT 144.00 342.50 Td (in ) Tj ET Q q 0 0 0 rg BT 156.33 342.50 Td (the ) Tj ET Q q 0 0 0 rg BT 173.99 342.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.32 342.50 Td (year ) Tj ET Q q 0 0 0 rg BT 223.96 342.50 Td (and ) Tj ET Q q 0 0 0 rg BT 244.29 342.50 Td (12.22% ) Tj ET Q q 0 0 0 rg BT 284.29 342.50 Td (in ) Tj ET Q q 0 0 0 rg BT 296.62 342.50 Td (the ) Tj ET Q q 0 0 0 rg BT 314.28 342.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.61 342.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 373.92 342.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 325.51 cm /I47 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 328.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 328.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.46 328.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 169.84 328.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 197.88 328.10 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 223.91 328.10 Td ($52.8 ) Tj ET Q q 0 0 0 rg BT 253.62 328.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 284.96 328.10 Td (, ) Tj ET Q q 0 0 0 rg BT 290.67 328.10 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 305.38 328.10 Td (4) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 311.38 328.10 Td (% ) Tj ET Q q 0 0 0 rg BT 324.09 328.10 Td (from ) Tj ET Q q 0 0 0 rg BT 350.13 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.50 328.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 393.54 328.10 Td (year ) Tj ET Q q 0 0 0 rg BT 416.90 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 436.94 328.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 455.64 328.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 505.67 328.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 313.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 313.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 313.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 313.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 296.71 cm /I48 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 299.30 Td (Approximately ) Tj ET Q q 0 0 0 rg BT 179.65 299.30 Td (50% ) Tj ET Q q 0 0 0 rg BT 204.65 299.30 Td (share ) Tj ET Q q 0 0 0 rg BT 232.96 299.30 Td (of ) Tj ET Q q 0 0 0 rg BT 245.96 299.30 Td (eCommerce ) Tj ET Q q 0 0 0 rg BT 306.93 299.30 Td (volume ) Tj ET Q q 0 0 0 rg BT 345.93 299.30 Td (for ) Tj ET Q q 0 0 0 rg BT 362.92 299.30 Td (the ) Tj ET Q q 0 0 0 rg BT 380.58 299.30 Td (top ) Tj ET Q q 0 0 0 rg BT 398.91 299.30 Td (500 ) Tj ET Q q 0 0 0 rg BT 419.91 299.30 Td (internet ) Tj ET Q q 0 0 0 rg BT 459.56 299.30 Td (merchants) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 508.88 304.74 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 512.78 299.30 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 270.50 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 270.50 Td (TE ) Tj ET Q q 0 0 0 rg BT 124.35 270.50 Td (& ) Tj ET Q q 0 0 0 rg BT 136.68 270.50 Td (INVESTMENT ) Tj ET Q q 0 0 0 rg BT 217.70 270.50 Td (BANK ) Tj ET Q q 0 0 0 rg BT 253.38 270.50 Td (\(CIB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 260 m 50.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 260 m 231.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 260 m 231.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 260 m 276.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 260 m 280.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 260 m 280.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 260 m 325.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 260 m 329.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 260 m 329.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 260 m 374.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 260 m 378.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 260 m 378.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 260 m 423.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 245 m 423.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 260 m 468.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 245 m 468.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 260 m 472.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 245 m 472.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 260 m 472.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 260 m 517.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 245 m 517.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 260 m 562.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 260 m 562.5 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 245 m 562.5 245 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 245 m 50.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 230 m 231.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 245 m 231.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 230 m 276.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 230 m 280.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 245 m 280.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 230 m 325.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 230 m 329.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 245 m 329.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 230 m 374.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 230 m 378.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 245 m 378.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 230 m 423.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 245 m 423.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 230 m 468.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 230 m 472.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 245 m 472.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 230 m 517.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 245 m 517.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 245 m 562.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 230 m 562.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 230 m 50.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 215 m 231.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 230 m 231.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 215 m 276.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 215 m 280.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 230 m 280.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 215 m 325.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 215 m 329.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 230 m 329.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 215 m 374.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 215 m 378.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 230 m 378.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 215 m 423.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 230 m 423.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 230 m 472.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 215 m 517.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 230 m 517.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 230 m 562.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 215 m 562.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 215 m 50.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 200 m 231.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 215 m 231.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 200 m 276.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 200 m 280.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 215 m 280.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 200 m 325.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 200 m 329.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 215 m 329.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 200 m 374.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 200 m 378.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 215 m 378.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 200 m 423.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 215 m 423.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 215 m 468.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 200 m 468.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 215 m 472.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 215 m 472.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 200 m 472.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 215 m 517.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 215 m 517.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 200 m 517.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 215 m 517.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 215 m 562.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 200 m 562.5 200 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 200 m 50.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 185 m 231.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 200 m 231.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 185 m 276.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 185 m 280.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 200 m 280.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 185 m 325.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 185 m 329.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 200 m 329.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 185 m 374.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 185 m 378.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 200 m 378.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 185 m 423.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 200 m 423.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 185 m 468.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 185 m 472.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 200 m 472.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 185 m 517.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 200 m 517.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 200 m 562.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 185 m 562.5 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 185 m 50.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 170 m 231.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 185 m 231.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 170 m 276.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 170 m 280.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 185 m 280.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 170 m 325.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 170 m 329.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 185 m 329.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 170 m 374.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 170 m 378.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 185 m 378.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 170 m 423.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 185 m 423.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 170 m 468.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 170 m 472.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 185 m 472.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 170 m 517.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 185 m 517.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 185 m 562.5 170 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 170 m 562.5 170 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 249.87 Td (Results for CIB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 249.87 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 249.87 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 234.87 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 234.87 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 234.87 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 234.87 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 234.87 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 234.87 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 234.87 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 234.87 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 219.87 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 219.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 219.87 Td (8,991) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 219.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 219.87 Td (8,606) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 219.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 219.87 Td (9,876) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 219.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 219.87 Td (385) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 219.87 Td (4) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 219.87 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 219.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 219.87 Td (\(885) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 219.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 219.87 Td (\(9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 219.87 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 204.87 Td (ProvisionforCreditLosses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 257.60 204.87 Td (\(84) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 204.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 310.25 204.87 Td (49) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 361.10 204.87 Td (\(6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 204.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 204.87 Td (\(133) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 204.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 204.87 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 204.87 Td (\(78) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 204.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 204.87 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 189.87 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 189.87 Td (6,058) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 189.87 Td (5,604) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 189.87 Td (5,742) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 189.87 Td (454) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 189.87 Td (8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 189.87 Td (316) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 189.87 Td (6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 174.87 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 174.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 174.87 Td (1,963) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 174.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 174.87 Td (1,979) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 174.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 174.87 Td (2,838) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 174.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 174.87 Td (\(16) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 174.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 174.87 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 174.87 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 174.87 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 174.87 Td (\(875) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 174.87 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 174.87 Td (\(31) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 174.87 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 144.10 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 129.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.73 129.70 Td (income ) Tj ET Q q 0 0 0 rg BT 107.46 129.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 128.53 129.70 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 151.94 129.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 183.28 129.70 Td (, ) Tj ET Q q 0 0 0 rg BT 188.69 129.70 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 217.76 129.70 Td (31) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 229.76 129.70 Td (% ) Tj ET Q q 0 0 0 rg BT 242.16 129.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 291.88 129.70 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 315.62 129.70 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 339.03 129.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 370.37 129.70 Td ( ) Tj ET Q q 0 0 0 rg BT 372.78 129.70 Td (in ) Tj ET Q q 0 0 0 rg BT 384.52 129.70 Td (the ) Tj ET Q q 0 0 0 rg BT 401.59 129.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 427.32 129.70 Td (year) Tj ET Q q 0 0 0 rg BT 447.31 129.70 Td (. ) Tj ET Q q 0 0 0 rg BT 452.54 129.70 Td (These ) Tj ET Q q 0 0 0 rg BT 483.60 129.70 Td (results ) Tj ET Q q 0 0 0 rg BT 517.34 129.70 Td (primarily ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 115.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 94.67 115.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 124.69 115.30 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 168.37 115.30 Td (as ) Tj ET Q q 0 0 0 rg BT 181.06 115.30 Td (well ) Tj ET Q q 0 0 0 rg BT 204.42 115.30 Td (as ) Tj ET Q q 0 0 0 rg BT 217.12 115.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 250.48 115.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 306.50 115.30 Td (expense. ) Tj ET Q q 0 0 0 rg BT 350.85 115.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 370.88 115.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 411.55 115.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 432.92 115.30 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 456.62 115.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 487.95 115.30 Td ( ) Tj ET Q q 0 0 0 rg BT 490.65 115.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.66 115.30 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 100.90 Td ($9.9 ) Tj ET Q q 0 0 0 rg BT 74.96 100.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 106.29 100.90 Td ( ) Tj ET Q q 0 0 0 rg BT 110.25 100.90 Td (in ) Tj ET Q q 0 0 0 rg BT 123.54 100.90 Td (the ) Tj ET Q q 0 0 0 rg BT 142.16 100.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 169.44 100.90 Td (year) Tj ET Q q 0 0 0 rg BT 189.43 100.90 Td (. ) Tj ET Q q 0 0 0 rg BT 196.38 100.90 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 249.66 100.90 Td (the ) Tj ET Q q 0 0 0 rg BT 268.28 100.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 304.89 100.90 Td (of ) Tj ET Q q 0 0 0 rg BT 318.84 100.90 Td (a ) Tj ET Q q 0 0 0 rg BT 328.13 100.90 Td (DV) Tj ET Q q 0 0 0 rg BT 343.91 100.90 Td (A) Tj ET Q q 0 0 0 rg BT 351.91 100.90 Td ( ) Tj ET Q q 0 0 0 rg BT 355.87 100.90 Td (gain ) Tj ET Q q 0 0 0 rg BT 380.49 100.90 Td (of ) Tj ET Q q 0 0 0 rg BT 394.44 100.90 Td ($355 ) Tj ET Q q 0 0 0 rg BT 422.40 100.90 Td (million ) Tj ET Q q 0 0 0 rg BT 461.02 100.90 Td (in ) Tj ET Q q 0 0 0 rg BT 474.31 100.90 Td (the ) Tj ET Q q 0 0 0 rg BT 492.93 100.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 520.21 100.90 Td (year) Tj ET Q q 0 0 0 rg BT 540.38 100.90 Td (, ) Tj ET Q q 0 0 0 rg BT 547.34 100.90 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 86.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 90.97 86.50 Td (was ) Tj ET Q q 0 0 0 rg BT 112.64 86.50 Td (down ) Tj ET Q q 0 0 0 rg BT 142.30 86.50 Td (6% ) Tj ET Q q 0 0 0 rg BT 161.30 86.50 Td (from ) Tj ET Q q 0 0 0 rg BT 187.63 86.50 Td ($9.5 ) Tj ET Q q 0 0 0 rg BT 211.63 86.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 248.96 86.50 Td (and ) Tj ET Q q 0 0 0 rg BT 269.29 86.50 Td (net ) Tj ET Q q 0 0 0 rg BT 286.95 86.50 Td (income ) Tj ET Q q 0 0 0 rg BT 325.27 86.50 Td (was ) Tj ET Q q 0 0 0 rg BT 346.93 86.50 Td (down ) Tj ET Q q 0 0 0 rg BT 376.60 86.50 Td (25% ) Tj ET Q q 0 0 0 rg BT 401.59 86.50 Td (from ) Tj ET Q q 0 0 0 rg BT 427.92 86.50 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 451.92 86.50 Td (billion.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (Banking ) Tj ET Q q 0 0 0 rg BT 93.32 740.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 133.95 740.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 155.26 740.70 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 178.92 740.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 210.25 740.70 Td (, ) Tj ET Q q 0 0 0 rg BT 215.91 740.70 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 245.23 740.70 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 251.23 740.70 Td (% ) Tj ET Q q 0 0 0 rg BT 263.88 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 289.86 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 307.17 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 333.15 740.70 Td (year) Tj ET Q q 0 0 0 rg BT 353.14 740.70 Td (. ) Tj ET Q q 0 0 0 rg BT 358.79 740.70 Td (Investment ) Tj ET Q q 0 0 0 rg BT 414.77 740.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 456.08 740.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 478.06 740.70 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 504.03 740.70 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 527.68 740.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 559.02 740.70 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 65.18 726.30 Td (3) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 71.18 726.30 Td (% ) Tj ET Q q 0 0 0 rg BT 84.35 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 110.85 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 128.69 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 155.19 726.30 Td (year) Tj ET Q q 0 0 0 rg BT 175.18 726.30 Td (. ) Tj ET Q q 0 0 0 rg BT 181.13 726.30 Td (The ) Tj ET Q q 0 0 0 rg BT 202.96 726.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 245.44 726.30 Td (was ) Tj ET Q q 0 0 0 rg BT 267.28 726.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 301.12 726.30 Td (by ) Tj ET Q q 0 0 0 rg BT 316.29 726.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 350.13 726.30 Td (advisory ) Tj ET Q q 0 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Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 498.30 Td (The ) Tj ET Q q 0 0 0 rg BT 72.19 498.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 121.06 498.30 Td (for ) Tj ET Q q 0 0 0 rg BT 138.58 498.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 169.43 498.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 201.63 498.30 Td (was ) Tj ET Q q 0 0 0 rg BT 223.83 498.30 Td (a ) Tj ET Q q 0 0 0 rg BT 232.69 498.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 269.54 498.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 283.07 498.30 Td ($84 ) Tj ET Q q 0 0 0 rg BT 304.60 498.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 339.27 498.30 Td (, ) Tj ET Q q 0 0 0 rg BT 345.80 498.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 396.65 498.30 Td (with ) Tj ET Q q 0 0 0 rg BT 421.51 498.30 Td (a ) Tj ET Q q 0 0 0 rg BT 430.37 498.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 467.22 498.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 480.75 498.30 Td ($6 ) Tj ET Q q 0 0 0 rg BT 496.29 498.30 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 530.96 498.30 Td ( ) Tj ET Q q 0 0 0 rg BT 534.49 498.30 Td (in ) Tj ET Q q 0 0 0 rg BT 547.36 498.30 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 483.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 75.82 483.90 Td (year) Tj ET Q q 0 0 0 rg BT 95.81 483.90 Td (. ) Tj ET Q q 0 0 0 rg BT 101.13 483.90 Td (The ) Tj ET Q q 0 0 0 rg BT 122.28 483.90 Td (ratio ) Tj ET Q q 0 0 0 rg BT 146.77 483.90 Td (of ) Tj ET Q q 0 0 0 rg BT 159.26 483.90 Td (the ) Tj ET Q q 0 0 0 rg BT 176.42 483.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 227.56 483.90 Td (for ) Tj ET Q q 0 0 0 rg BT 244.05 483.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 267.20 483.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 298.37 483.90 Td (to ) Tj ET Q q 0 0 0 rg BT 310.20 483.90 Td (period-end ) Tj ET Q q 0 0 0 rg BT 364.68 483.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 392.51 483.90 Td (retained ) Tj ET Q q 0 0 0 rg BT 433.65 483.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 454.81 483.90 Td (1.1) Tj ET Q q 0 0 0 rg BT 469.36 483.90 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 475.36 483.90 Td (%, ) Tj ET Q q 0 0 0 rg BT 490.85 483.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.66 483.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 469.50 Td (1.21) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 71.00 469.50 Td (% ) Tj ET Q q 0 0 0 rg BT 83.10 469.50 Td (in ) Tj ET Q q 0 0 0 rg BT 94.54 469.50 Td (the ) Tj ET Q q 0 0 0 rg BT 111.30 469.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 136.73 469.50 Td (year) Tj ET Q q 0 0 0 rg BT 156.72 469.50 Td (. ) Tj ET Q q 0 0 0 rg BT 161.82 469.50 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 213.25 469.50 Td (the ) Tj ET Q q 0 0 0 rg BT 230.01 469.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 264.77 469.50 Td (of ) Tj ET Q q 0 0 0 rg BT 276.87 469.50 Td (the ) Tj ET Q q 0 0 0 rg BT 293.63 469.50 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 360.39 469.50 Td (of ) Tj ET Q q 0 0 0 rg BT 372.49 469.50 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 463.91 469.50 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 521.33 469.50 Td (conduits ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 455.10 Td (and ) Tj ET Q q 0 0 0 rg BT 70.38 455.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 97.42 455.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 135.78 455.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 167.17 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.89 455.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 209.93 455.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.98 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.70 455.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 292.39 455.10 Td (for ) Tj ET Q q 0 0 0 rg BT 309.44 455.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 333.16 455.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 364.88 455.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.27 455.10 Td (period-end ) Tj ET Q q 0 0 0 rg BT 432.31 455.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 460.69 455.10 Td (retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 499.33 460.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 503.23 455.10 Td ( ) Tj ET Q q 0 0 0 rg BT 506.29 455.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 528.01 455.10 Td (1.80) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 549.01 455.10 Td (%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 440.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.31 440.70 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 124.64 440.70 Td (2.35) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 145.64 440.70 Td (% ) Tj ET Q q 0 0 0 rg BT 158.64 440.70 Td (in ) Tj ET Q q 0 0 0 rg BT 170.97 440.70 Td (the ) Tj ET Q q 0 0 0 rg BT 188.63 440.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 214.96 440.70 Td (year) Tj ET Q q 0 0 0 rg BT 234.95 440.70 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 420.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.07 420.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 148.81 420.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 169.55 420.30 Td ($6.1 ) Tj ET Q q 0 0 0 rg BT 192.64 420.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 223.98 420.30 Td (, ) Tj ET Q q 0 0 0 rg BT 229.06 420.30 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 243.15 420.30 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.15 420.30 Td (% ) Tj ET Q q 0 0 0 rg BT 261.23 420.30 Td (from ) Tj ET Q q 0 0 0 rg BT 286.64 420.30 Td (the ) Tj ET Q q 0 0 0 rg BT 303.39 420.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 328.80 420.30 Td (year) Tj ET Q q 0 0 0 rg BT 348.97 420.30 Td (, ) Tj ET Q q 0 0 0 rg BT 354.05 420.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 386.80 420.30 Td (by ) Tj ET Q q 0 0 0 rg BT 400.88 420.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 433.63 420.30 Td (noncompensation ) Tj ET Q q 0 0 0 rg BT 520.36 420.30 Td (expense, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 405.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 92.19 405.90 Td (of) Tj ET Q q 0 0 0 rg BT 101.97 405.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 121.50 405.90 Td (by ) Tj ET Q q 0 0 0 rg BT 135.70 405.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 165.23 405.90 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 259.38 405.90 Td (compensation. ) Tj ET Q q 0 0 0 rg BT 331.08 405.90 Td (The ) Tj ET Q q 0 0 0 rg BT 351.94 405.90 Td (current ) Tj ET Q q 0 0 0 rg BT 388.12 405.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 424.30 405.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 479.83 405.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 520.68 405.90 Td (included ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 391.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 122.89 391.50 Td ($300 ) Tj ET Q q 0 0 0 rg BT 150.47 391.50 Td (million ) Tj ET Q q 0 0 0 rg BT 188.72 391.50 Td (of ) Tj ET Q q 0 0 0 rg BT 202.29 391.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 229.19 391.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 271.42 391.50 Td (and ) Tj ET Q q 0 0 0 rg BT 292.32 391.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 365.21 391.50 Td ($300 ) Tj ET Q q 0 0 0 rg BT 392.79 391.50 Td (million ) Tj ET Q q 0 0 0 rg BT 431.04 391.50 Td (of ) Tj ET Q q 0 0 0 rg BT 444.61 391.50 Td (costs ) Tj ET Q q 0 0 0 rg BT 472.19 391.50 Td (related ) Tj ET Q q 0 0 0 rg BT 508.41 391.50 Td (to ) Tj ET Q q 0 0 0 rg BT 521.33 391.50 Td (business ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 377.10 Td (simplification. ) Tj ET Q q 0 0 0 rg BT 122.44 377.10 Td (The ) Tj ET Q q 0 0 0 rg BT 144.10 377.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 169.09 377.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.08 377.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 251.73 377.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 293.38 377.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.71 377.10 Td (total ) Tj ET Q q 0 0 0 rg BT 330.04 377.10 Td (net ) Tj ET Q q 0 0 0 rg BT 347.70 377.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 388.68 377.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 410.34 377.10 Td (31) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 422.34 377.10 Td (%.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 342.30 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 342.30 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 342.30 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 342.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 342.30 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 333.34 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 333.34 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 333.34 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 333.34 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 333.34 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 333.34 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 333.34 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 333.34 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 333.34 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 333.34 Td (noted, ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 257.31 333.34 Td (and ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 271.40 333.34 Td (all ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 281.58 333.34 Td (rankings ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 312.14 333.34 Td (are ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 324.49 333.34 Td (according ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 358.50 333.34 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 366.51 333.34 Td (Dealogic\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 310.91 cm /I49 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 313.50 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 313.50 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 313.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 313.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 209.32 313.50 Td (13) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 221.32 313.50 Td (% ) Tj ET Q q 0 0 0 rg BT 234.31 313.50 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.31 313.50 Td ($61.0 ) Tj ET Q q 0 0 0 rg BT 279.31 313.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 310.65 313.50 Td ( ) Tj ET Q q 0 0 0 rg BT 313.65 313.50 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 313.50 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 313.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 313.50 Td (capital. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 296.51 cm /I50 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 299.10 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 299.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 299.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 200.29 299.10 Td (67) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 212.29 299.10 Td (%. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 282.11 cm /I51 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 284.70 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.33 284.70 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.00 284.70 Td (in ) Tj ET Q q 0 0 0 rg BT 170.01 284.70 Td (Global ) Tj ET Q q 0 0 0 rg BT 205.34 284.70 Td (Investment ) Tj ET Q q 0 0 0 rg BT 261.33 284.70 Td (Banking ) Tj ET Q q 0 0 0 rg BT 304.67 284.70 Td (Fees ) Tj ET Q q 0 0 0 rg BT 329.33 284.70 Td (with ) Tj ET Q q 0 0 0 rg BT 353.34 284.70 Td (8.2% ) Tj ET Q q 0 0 0 rg BT 381.01 284.70 Td (wallet ) Tj ET Q q 0 0 0 rg BT 413.00 284.70 Td (share ) Tj ET Q q 0 0 0 rg BT 440.99 284.70 Td (for ) Tj ET Q q 0 0 0 rg BT 457.65 284.70 Td (the ) Tj ET Q q 0 0 0 rg BT 474.99 284.70 Td (six ) Tj ET Q q 0 0 0 rg BT 491.66 284.70 Td (months ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 270.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 135.65 270.30 Td (June ) Tj ET Q q 0 0 0 rg BT 160.65 270.30 Td (30, ) Tj ET Q q 0 0 0 rg BT 178.65 270.30 Td (2014.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 253.31 cm /I52 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 255.90 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 142.78 255.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 156.91 255.90 Td (in ) Tj ET Q q 0 0 0 rg BT 168.37 255.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 203.16 255.90 Td (Debt, ) Tj ET Q q 0 0 0 rg BT 231.61 255.90 Td (Equity ) Tj ET Q q 0 0 0 rg BT 265.74 255.90 Td (and ) Tj ET Q q 0 0 0 rg BT 285.19 255.90 Td (Equity-related ) Tj ET Q q 0 0 0 rg BT 355.95 255.90 Td (with ) Tj ET Q q 0 0 0 rg BT 379.41 255.90 Td (7.4% ) Tj ET Q q 0 0 0 rg BT 406.54 255.90 Td (wallet ) Tj ET Q q 0 0 0 rg BT 437.98 255.90 Td (share; ) Tj ET Q q 0 0 0 rg BT 468.76 255.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 482.89 255.90 Td (in ) Tj ET Q q 0 0 0 rg BT 494.35 255.90 Td (Global ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 241.50 Td (Long-T) Tj ET Q q 0 0 0 rg BT 139.82 241.50 Td (erm ) Tj ET Q q 0 0 0 rg BT 160.67 241.50 Td (Debt ) Tj ET Q q 0 0 0 rg BT 186.20 241.50 Td (with ) Tj ET Q q 0 0 0 rg BT 209.74 241.50 Td (8.0% ) Tj ET Q q 0 0 0 rg BT 236.93 241.50 Td (wallet ) Tj ET Q q 0 0 0 rg BT 268.45 241.50 Td (share; ) Tj ET Q q 0 0 0 rg BT 299.30 241.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 313.50 241.50 Td (in ) Tj ET Q q 0 0 0 rg BT 325.04 241.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 359.90 241.50 Td (Syndicated ) Tj ET Q q 0 0 0 rg BT 415.42 241.50 Td (Loans ) Tj ET Q q 0 0 0 rg BT 446.95 241.50 Td (with ) Tj ET Q q 0 0 0 rg BT 470.48 241.50 Td (9.6% ) Tj ET Q q 0 0 0 rg BT 497.68 241.50 Td (wallet ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 227.10 Td (share; ) Tj ET Q q 0 0 0 rg BT 135.99 227.10 Td (#3 ) Tj ET Q q 0 0 0 rg BT 151.33 227.10 Td (in ) Tj ET Q q 0 0 0 rg BT 164.01 227.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 200.01 227.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 235.35 227.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.02 227.10 Td (Equity-related ) Tj ET Q q 0 0 0 rg BT 328.00 227.10 Td (with ) Tj ET Q q 0 0 0 rg BT 352.67 227.10 Td (6.9% ) Tj ET Q q 0 0 0 rg BT 381.01 227.10 Td (wallet ) Tj ET Q q 0 0 0 rg BT 413.67 227.10 Td (share; ) Tj ET Q q 0 0 0 rg BT 445.66 227.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.33 227.10 Td (#2 ) Tj ET Q q 0 0 0 rg BT 481.67 227.10 Td (in ) Tj ET Q q 0 0 0 rg BT 494.35 227.10 Td (Global ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 212.70 Td (Announced ) Tj ET Q q 0 0 0 rg BT 162.54 212.70 Td (M&A, ) Tj ET Q q 0 0 0 rg BT 197.43 212.70 Td (with ) Tj ET Q q 0 0 0 rg BT 221.99 212.70 Td (8.8% ) Tj ET Q q 0 0 0 rg BT 250.20 212.70 Td (wallet ) Tj ET Q q 0 0 0 rg BT 282.74 212.70 Td (share, ) Tj ET Q q 0 0 0 rg BT 314.28 212.70 Td ( ) Tj ET Q q 0 0 0 rg BT 317.51 212.70 Td (based ) Tj ET Q q 0 0 0 rg BT 348.05 212.70 Td (on ) Tj ET Q q 0 0 0 rg BT 363.27 212.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 407.47 212.70 Td (for ) Tj ET Q q 0 0 0 rg BT 424.68 212.70 Td (the ) Tj ET Q q 0 0 0 rg BT 442.56 212.70 Td (six ) Tj ET Q q 0 0 0 rg BT 459.79 212.70 Td (months ) Tj ET Q q 0 0 0 rg BT 498.34 212.70 Td (ended ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 198.30 Td (June ) Tj ET Q q 0 0 0 rg BT 129.00 198.30 Td (30, ) Tj ET Q q 0 0 0 rg BT 147.00 198.30 Td (2014.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 181.31 cm /I53 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 183.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 183.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.86 183.90 Td (client ) Tj ET Q q 0 0 0 rg BT 176.63 183.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 219.07 183.90 Td (and ) Tj ET Q q 0 0 0 rg BT 239.51 183.90 Td (other ) Tj ET Q q 0 0 0 rg BT 267.28 183.90 Td (third-party ) Tj ET Q q 0 0 0 rg BT 321.71 183.90 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 369.48 183.90 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 395.90 183.90 Td ($403.3 ) Tj ET Q q 0 0 0 rg BT 432.01 183.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 463.35 183.90 Td (, ) Tj ET Q q 0 0 0 rg BT 469.46 183.90 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 484.57 183.90 Td (9) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 490.57 183.90 Td (% ) Tj ET Q q 0 0 0 rg BT 503.68 183.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 169.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 169.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 169.50 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 169.50 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 169.50 Td (down ) Tj ET Q q 0 0 0 rg BT 221.63 169.50 Td (2% ) Tj ET Q q 0 0 0 rg BT 240.62 169.50 Td (from ) Tj ET Q q 0 0 0 rg BT 266.95 169.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 293.28 169.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 326.59 169.50 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 152.51 cm /I54 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 155.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 138.99 155.10 Td (under ) Tj ET Q q 0 0 0 rg BT 169.96 155.10 Td (custody ) Tj ET Q q 0 0 0 rg BT 210.94 155.10 Td (were ) Tj ET Q q 0 0 0 rg BT 237.91 155.10 Td (a ) Tj ET Q q 0 0 0 rg BT 246.89 155.10 Td (record ) Tj ET Q q 0 0 0 rg BT 281.18 155.10 Td ($21.7 ) Tj ET Q q 0 0 0 rg BT 311.84 155.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 351.15 155.10 Td (up ) Tj ET Q q 0 0 0 rg BT 366.81 155.10 Td (14% ) Tj ET Q q 0 0 0 rg BT 392.45 155.10 Td (from ) Tj ET Q q 0 0 0 rg BT 419.43 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.74 155.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 464.72 155.10 Td (year ) Tj ET Q q 0 0 0 rg BT 489.02 155.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.00 155.10 Td (2% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 140.70 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 140.70 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 140.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 140.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 140.70 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 123.71 cm /I55 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 126.30 Td (International ) Tj ET Q q 0 0 0 rg BT 168.31 126.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 209.28 126.30 Td (represented ) Tj ET Q q 0 0 0 rg BT 267.58 126.30 Td (53% ) Tj ET Q q 0 0 0 rg BT 292.58 126.30 Td (of ) Tj ET Q q 0 0 0 rg BT 305.57 126.30 Td (total ) Tj ET Q q 0 0 0 rg BT 329.90 126.30 Td (revenue. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 109.31 cm /I56 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 111.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.30 111.90 Td (total ) Tj ET Q q 0 0 0 rg BT 183.28 111.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 211.26 111.90 Td (were ) Tj ET Q q 0 0 0 rg BT 237.23 111.90 Td ($108.8 ) Tj ET Q q 0 0 0 rg BT 272.88 111.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 309.87 111.90 Td (down ) Tj ET Q q 0 0 0 rg BT 339.19 111.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 357.83 111.90 Td (from ) Tj ET Q q 0 0 0 rg BT 383.81 111.90 Td (the ) Tj ET Q q 0 0 0 rg BT 401.12 111.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 427.10 111.90 Td (year ) Tj ET Q q 0 0 0 rg BT 450.40 111.90 Td (and ) Tj ET Q q 0 0 0 rg BT 470.38 111.90 Td (up ) Tj ET Q q 0 0 0 rg BT 485.03 111.90 Td (4% ) Tj ET Q q 0 0 0 rg BT 503.68 111.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 97.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.00 97.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 146.67 97.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 179.99 97.50 Td (. ) Tj ET Q q 0 0 0 rg BT 185.33 97.50 Td ( ) Tj ET Q q 0 0 0 rg BT 187.67 97.50 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 245.31 97.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.99 97.50 Td (were ) Tj ET Q q 0 0 0 rg BT 298.64 97.50 Td ($278 ) Tj ET Q q 0 0 0 rg BT 324.99 97.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 365.00 97.50 Td (down ) Tj ET Q q 0 0 0 rg BT 394.01 97.50 Td (47% ) Tj ET Q q 0 0 0 rg BT 418.35 97.50 Td (from ) Tj ET Q q 0 0 0 rg BT 444.01 97.50 Td (the ) Tj ET Q q 0 0 0 rg BT 461.02 97.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.68 97.50 Td (year ) Tj ET Q q 0 0 0 rg BT 509.68 97.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 83.10 Td (up ) Tj ET Q q 0 0 0 rg BT 119.00 83.10 Td (1) Tj ET Q q 0 0 0 rg BT 124.55 83.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 143.55 83.10 Td (from ) Tj ET Q q 0 0 0 rg BT 169.88 83.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.54 83.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 213.86 83.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 247.18 83.10 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 56.70 Td (COMMERCIAL) Tj ET Q q 0 0 0 rg BT 131.58 56.70 Td ( BANKING \(CB\)) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 748.5 m 50.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 748.5 m 231.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 748.5 m 231.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 748.5 m 276.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 748.5 m 280.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 748.5 m 280.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 748.5 m 325.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 748.5 m 329.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 748.5 m 329.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 748.5 m 374.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 748.5 m 378.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 748.5 m 378.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 748.5 m 423.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 733.5 m 423.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 748.5 m 468.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 733.5 m 468.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 748.5 m 472.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 733.5 m 472.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 748.5 m 472.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 748.5 m 517.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 733.5 m 517.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 748.5 m 562.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 748.5 m 562.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 733.5 m 562.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 733.5 m 50.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 718.5 m 231.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 733.5 m 231.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 718.5 m 276.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 718.5 m 280.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 733.5 m 280.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 718.5 m 325.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 718.5 m 329.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 733.5 m 329.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 718.5 m 374.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 718.5 m 378.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 733.5 m 378.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 718.5 m 423.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 733.5 m 423.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 718.5 m 468.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 718.5 m 472.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 733.5 m 472.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 718.5 m 517.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 733.5 m 517.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 733.5 m 562.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 718.5 m 562.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 718.5 m 50.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 703.5 m 231.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 718.5 m 231.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 703.5 m 276.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 703.5 m 280.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 718.5 m 280.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 703.5 m 325.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 703.5 m 329.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 718.5 m 329.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 703.5 m 374.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 703.5 m 378.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 718.5 m 378.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 703.5 m 423.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 718.5 m 423.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 703.5 m 468.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 703.5 m 472.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 718.5 m 472.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 703.5 m 517.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 718.5 m 517.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 718.5 m 562.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 703.5 m 562.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 703.5 m 50.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 688.5 m 231.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 703.5 m 231.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 688.5 m 276.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 688.5 m 280.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 703.5 m 280.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 688.5 m 325.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 688.5 m 329.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 703.5 m 329.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 688.5 m 374.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 688.5 m 378.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 703.5 m 378.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 688.5 m 423.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 703.5 m 423.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 688.5 m 468.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 688.5 m 472.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 703.5 m 472.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 688.5 m 517.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 703.5 m 517.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 703.5 m 562.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 688.5 m 562.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 688.5 m 50.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 673.5 m 231.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 688.5 m 231.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 673.5 m 276.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 673.5 m 280.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 688.5 m 280.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 673.5 m 325.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 673.5 m 329.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 688.5 m 329.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 673.5 m 374.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 673.5 m 378.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 688.5 m 378.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 673.5 m 423.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 688.5 m 423.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 673.5 m 468.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 673.5 m 472.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 688.5 m 472.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 673.5 m 517.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 688.5 m 517.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 688.5 m 562.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 673.5 m 562.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 673.5 m 50.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 658.5 m 231.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 673.5 m 231.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 658.5 m 276.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 658.5 m 280.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 673.5 m 280.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 658.5 m 325.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 658.5 m 329.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 673.5 m 329.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 658.5 m 374.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 658.5 m 378.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 673.5 m 378.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 658.5 m 423.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 673.5 m 423.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 658.5 m 468.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 658.5 m 472.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 673.5 m 472.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 658.5 m 517.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 673.5 m 517.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 673.5 m 562.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 658.5 m 562.5 658.5 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 738.37 Td (Results for CB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 738.37 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 738.37 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 723.37 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 723.37 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 723.37 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 723.37 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 723.37 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 723.37 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 723.37 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 723.37 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 708.37 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 708.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 708.37 Td (1,701) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 708.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 708.37 Td (1,651) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 708.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 708.37 Td (1,728) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 708.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 708.37 Td (50) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 708.37 Td (3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 708.37 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 708.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 708.37 Td (\(27) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 708.37 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 708.37 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 708.37 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 693.37 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 257.60 693.37 Td (\(67) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 693.37 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 315.80 693.37 Td (5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 693.37 Td (44) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 693.37 Td (\(72) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 693.37 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 693.37 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 693.37 Td (\(111) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 693.37 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 693.37 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 678.37 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 678.37 Td (675) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 678.37 Td (686) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 678.37 Td (652) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 678.37 Td (\(11) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 678.37 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.60 678.37 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 678.37 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 678.37 Td (23) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 678.37 Td (4) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 663.37 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 663.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 663.37 Td (658) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 663.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 663.37 Td (578) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 663.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 663.37 Td (621) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 663.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 663.37 Td (80) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 663.37 Td (14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 663.37 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 663.37 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 663.37 Td (37) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 663.37 Td (6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 663.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 632.60 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 632.60 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 632.60 Td (Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 618.20 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.25 618.20 Td (income ) Tj ET Q q 0 0 0 rg BT 108.50 618.20 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 130.08 618.20 Td ($658 ) Tj ET Q q 0 0 0 rg BT 157.01 618.20 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 191.68 618.20 Td (, ) Tj ET Q q 0 0 0 rg BT 197.60 618.20 Td (an ) Tj ET Q q 0 0 0 rg BT 211.86 618.20 Td (increase ) Tj ET Q q 0 0 0 rg BT 254.09 618.20 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 267.01 618.20 Td ($37 ) Tj ET Q q 0 0 0 rg BT 287.93 618.20 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 322.60 618.20 Td (, ) Tj ET Q q 0 0 0 rg BT 328.53 618.20 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 341.45 618.20 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 347.45 618.20 Td (%, ) Tj ET Q q 0 0 0 rg BT 363.37 618.20 Td (compared ) Tj ET Q q 0 0 0 rg BT 413.60 618.20 Td (with ) Tj ET Q q 0 0 0 rg BT 437.86 618.20 Td (the ) Tj ET Q q 0 0 0 rg BT 455.45 618.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.70 618.20 Td (year) Tj ET Q q 0 0 0 rg BT 501.87 618.20 Td (, ) Tj ET Q q 0 0 0 rg BT 507.79 618.20 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 556.69 618.20 Td (a ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 603.80 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.32 603.80 Td (provision ) Tj ET Q q 0 0 0 rg BT 128.66 603.80 Td (for ) Tj ET Q q 0 0 0 rg BT 145.65 603.80 Td (credit ) Tj ET Q q 0 0 0 rg BT 175.96 603.80 Td (losses, ) Tj ET Q q 0 0 0 rg BT 210.63 603.80 Td (partially ) Tj ET Q q 0 0 0 rg BT 253.62 603.80 Td (of) Tj ET Q q 0 0 0 rg BT 263.40 603.80 Td (fset ) Tj ET Q q 0 0 0 rg BT 283.72 603.80 Td (by ) Tj ET Q q 0 0 0 rg BT 298.72 603.80 Td (higher ) Tj ET Q q 0 0 0 rg BT 332.38 603.80 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 388.70 603.80 Td (expense ) Tj ET Q q 0 0 0 rg BT 430.35 603.80 Td (and ) Tj ET Q q 0 0 0 rg BT 450.68 603.80 Td (lower ) Tj ET Q q 0 0 0 rg BT 481.00 603.80 Td (net ) Tj ET Q q 0 0 0 rg BT 498.66 603.80 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 583.40 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.61 583.40 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.88 583.40 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 133.82 583.40 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 158.11 583.40 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 189.45 583.40 Td (, ) Tj ET Q q 0 0 0 rg BT 195.73 583.40 Td (a ) Tj ET Q q 0 0 0 rg BT 204.35 583.40 Td (decrease ) Tj ET Q q 0 0 0 rg BT 248.93 583.40 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 262.21 583.40 Td ($27 ) Tj ET Q q 0 0 0 rg BT 283.50 583.40 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 318.17 583.40 Td (, ) Tj ET Q q 0 0 0 rg BT 324.46 583.40 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 337.74 583.40 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 343.74 583.40 Td (%, ) Tj ET Q q 0 0 0 rg BT 360.03 583.40 Td (compared ) Tj ET Q q 0 0 0 rg BT 410.62 583.40 Td (with ) Tj ET Q q 0 0 0 rg BT 435.24 583.40 Td (the ) Tj ET Q q 0 0 0 rg BT 453.19 583.40 Td (prior ) Tj ET Q q 0 0 0 rg BT 479.80 583.40 Td (year) Tj ET Q q 0 0 0 rg BT 499.79 583.40 Td (. ) Tj ET Q q 0 0 0 rg BT 506.08 583.40 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.69 583.40 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 569.00 Td (income ) Tj ET Q q 0 0 0 rg BT 88.52 569.00 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 110.37 569.00 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 134.57 569.00 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 165.90 569.00 Td (, ) Tj ET Q q 0 0 0 rg BT 172.10 569.00 Td (a ) Tj ET Q q 0 0 0 rg BT 180.62 569.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 225.11 569.00 Td (of ) Tj ET Q q 0 0 0 rg BT 238.30 569.00 Td ($53 ) Tj ET Q q 0 0 0 rg BT 259.50 569.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 300.36 569.00 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 313.55 569.00 Td (5) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 319.55 569.00 Td (%, ) Tj ET Q q 0 0 0 rg BT 335.74 569.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 386.25 569.00 Td (with ) Tj ET Q q 0 0 0 rg BT 410.77 569.00 Td (the ) Tj ET Q q 0 0 0 rg BT 428.63 569.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 455.15 569.00 Td (year) Tj ET Q q 0 0 0 rg BT 475.32 569.00 Td (, ) Tj ET Q q 0 0 0 rg BT 481.51 569.00 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 530.68 569.00 Td (spread ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 554.60 Td (compression ) Tj ET Q q 0 0 0 rg BT 114.10 554.60 Td (and ) Tj ET Q q 0 0 0 rg BT 134.86 554.60 Td (lower ) Tj ET Q q 0 0 0 rg BT 165.62 554.60 Td (purchase ) Tj ET Q q 0 0 0 rg BT 211.71 554.60 Td (discounts ) Tj ET Q q 0 0 0 rg BT 260.48 554.60 Td (recognized ) Tj ET Q q 0 0 0 rg BT 316.55 554.60 Td (on ) Tj ET Q q 0 0 0 rg BT 331.99 554.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 356.09 554.60 Td (repayments, ) Tj ET Q q 0 0 0 rg BT 417.85 554.60 Td (partially ) Tj ET Q q 0 0 0 rg BT 461.27 554.60 Td (of) Tj ET Q q 0 0 0 rg BT 471.05 554.60 Td (fset ) Tj ET Q q 0 0 0 rg BT 491.81 554.60 Td (by ) Tj ET Q q 0 0 0 rg BT 507.25 554.60 Td (higher ) Tj ET Q q 0 0 0 rg BT 541.35 554.60 Td (loan ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 540.20 Td (balances. ) Tj ET Q q 0 0 0 rg BT 96.90 540.20 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 155.48 540.20 Td (revenue ) Tj ET Q q 0 0 0 rg BT 196.05 540.20 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 217.30 540.20 Td ($577 ) Tj ET Q q 0 0 0 rg BT 243.90 540.20 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 278.57 540.20 Td (, ) Tj ET Q q 0 0 0 rg BT 284.16 540.20 Td (an ) Tj ET Q q 0 0 0 rg BT 298.08 540.20 Td (increase ) Tj ET Q q 0 0 0 rg BT 339.97 540.20 Td (of ) Tj ET Q q 0 0 0 rg BT 352.56 540.20 Td ($26 ) Tj ET Q q 0 0 0 rg BT 373.16 540.20 Td (million, ) Tj ET Q q 0 0 0 rg BT 413.42 540.20 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 426.01 540.20 Td (5) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 432.01 540.20 Td (%, ) Tj ET Q q 0 0 0 rg BT 447.60 540.20 Td (compared ) Tj ET Q q 0 0 0 rg BT 497.50 540.20 Td (with ) Tj ET Q q 0 0 0 rg BT 521.42 540.20 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 540.20 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 525.80 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 525.80 Td (, ) Tj ET Q q 0 0 0 rg BT 76.17 525.80 Td (driven ) Tj ET Q q 0 0 0 rg BT 109.82 525.80 Td (by ) Tj ET Q q 0 0 0 rg BT 124.82 525.80 Td (higher ) Tj ET Q q 0 0 0 rg BT 158.48 525.80 Td (investment ) Tj ET Q q 0 0 0 rg BT 214.14 525.80 Td (banking ) Tj ET Q q 0 0 0 rg BT 255.80 525.80 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 505.40 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 94.89 505.40 Td (from ) Tj ET Q q 0 0 0 rg BT 121.12 505.40 Td (Middle ) Tj ET Q q 0 0 0 rg BT 158.68 505.40 Td (Market ) Tj ET Q q 0 0 0 rg BT 196.24 505.40 Td (Banking ) Tj ET Q q 0 0 0 rg BT 239.81 505.40 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 261.37 505.40 Td ($709 ) Tj ET Q q 0 0 0 rg BT 288.27 505.40 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 322.94 505.40 Td (, ) Tj ET Q q 0 0 0 rg BT 328.85 505.40 Td (a ) Tj ET Q q 0 0 0 rg BT 337.08 505.40 Td (decrease ) Tj ET Q q 0 0 0 rg BT 381.28 505.40 Td (of ) Tj ET Q q 0 0 0 rg BT 394.18 505.40 Td ($68 ) Tj ET Q q 0 0 0 rg BT 415.08 505.40 Td (million, ) Tj ET Q q 0 0 0 rg BT 455.65 505.40 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 468.55 505.40 Td (9) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 474.55 505.40 Td (%, ) Tj ET Q q 0 0 0 rg BT 490.45 505.40 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.66 505.40 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 491.00 Td (the ) Tj ET Q q 0 0 0 rg BT 67.14 491.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 92.94 491.00 Td (year) Tj ET Q q 0 0 0 rg BT 112.93 491.00 Td (. ) Tj ET Q q 0 0 0 rg BT 118.41 491.00 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 162.87 491.00 Td (from ) Tj ET Q q 0 0 0 rg BT 188.67 491.00 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 239.13 491.00 Td (Client ) Tj ET Q q 0 0 0 rg BT 270.95 491.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 314.09 491.00 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 335.23 491.00 Td ($477 ) Tj ET Q q 0 0 0 rg BT 361.71 491.00 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 396.38 491.00 Td (, ) Tj ET Q q 0 0 0 rg BT 401.86 491.00 Td (an ) Tj ET Q q 0 0 0 rg BT 415.66 491.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 457.44 491.00 Td (of ) Tj ET Q q 0 0 0 rg BT 469.92 491.00 Td ($33 ) Tj ET Q q 0 0 0 rg BT 490.40 491.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 530.54 491.00 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 543.02 491.00 Td (7) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 549.02 491.00 Td (%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 476.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.05 476.60 Td (with ) Tj ET Q q 0 0 0 rg BT 124.13 476.60 Td (the ) Tj ET Q q 0 0 0 rg BT 141.53 476.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 167.60 476.60 Td (year) Tj ET Q q 0 0 0 rg BT 187.58 476.60 Td (. ) Tj ET Q q 0 0 0 rg BT 193.33 476.60 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 238.05 476.60 Td (from ) Tj ET Q q 0 0 0 rg BT 264.12 476.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 325.98 476.60 Td (T) Tj ET Q q 0 0 0 rg BT 332.47 476.60 Td (erm ) Tj ET Q q 0 0 0 rg BT 353.87 476.60 Td (Lending ) Tj ET Q q 0 0 0 rg BT 396.60 476.60 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 418.00 476.60 Td ($307 ) Tj ET Q q 0 0 0 rg BT 444.75 476.60 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 479.42 476.60 Td (, ) Tj ET Q q 0 0 0 rg BT 485.16 476.60 Td (a ) Tj ET Q q 0 0 0 rg BT 493.23 476.60 Td (decrease ) Tj ET Q q 0 0 0 rg BT 537.27 476.60 Td (of ) Tj ET Q q 0 0 0 rg BT 550.00 476.60 Td ($8 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 462.20 Td (million, ) Tj ET Q q 0 0 0 rg BT 91.84 462.20 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 106.02 462.20 Td (3) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 112.02 462.20 Td (%, ) Tj ET Q q 0 0 0 rg BT 129.19 462.20 Td (compared ) Tj ET Q q 0 0 0 rg BT 180.67 462.20 Td (with ) Tj ET Q q 0 0 0 rg BT 206.18 462.20 Td (the ) Tj ET Q q 0 0 0 rg BT 225.01 462.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 252.51 462.20 Td (year) Tj ET Q q 0 0 0 rg BT 272.50 462.20 Td (. ) Tj ET Q q 0 0 0 rg BT 279.68 462.20 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 325.83 462.20 Td (from ) Tj ET Q q 0 0 0 rg BT 353.33 462.20 Td (Real ) Tj ET Q q 0 0 0 rg BT 379.50 462.20 Td (Estate ) Tj ET Q q 0 0 0 rg BT 412.99 462.20 Td (Banking ) Tj ET Q q 0 0 0 rg BT 457.83 462.20 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 480.67 462.20 Td ($129 ) Tj ET Q q 0 0 0 rg BT 508.84 462.20 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 543.51 462.20 Td (, ) Tj ET Q q 0 0 0 rg BT 550.69 462.20 Td (an ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 447.80 Td (increase ) Tj ET Q q 0 0 0 rg BT 92.30 447.80 Td (of ) Tj ET Q q 0 0 0 rg BT 105.30 447.80 Td ($16 ) Tj ET Q q 0 0 0 rg BT 126.30 447.80 Td (million, ) Tj ET Q q 0 0 0 rg BT 166.97 447.80 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 179.97 447.80 Td (14) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 191.97 447.80 Td (%, ) Tj ET Q q 0 0 0 rg BT 207.96 447.80 Td (compared ) Tj ET Q q 0 0 0 rg BT 258.27 447.80 Td (with ) Tj ET Q q 0 0 0 rg BT 282.61 447.80 Td (the ) Tj ET Q q 0 0 0 rg BT 300.27 447.80 Td (prior ) Tj ET Q q 0 0 0 rg BT 326.59 447.80 Td (year) Tj ET Q q 0 0 0 rg BT 346.58 447.80 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 427.45 Td (The ) Tj ET Q q 0 0 0 rg BT 72.05 427.45 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.78 427.45 Td (for ) Tj ET Q q 0 0 0 rg BT 138.17 427.45 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.88 427.45 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.95 427.45 Td (was ) Tj ET Q q 0 0 0 rg BT 223.00 427.45 Td (a ) Tj ET Q q 0 0 0 rg BT 231.73 427.45 Td (benefit ) Tj ET Q q 0 0 0 rg BT 268.44 427.45 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 281.83 427.45 Td ($67 ) Tj ET Q q 0 0 0 rg BT 303.22 427.45 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 337.89 427.45 Td (, ) Tj ET Q q 0 0 0 rg BT 344.29 427.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 394.99 427.45 Td (with ) Tj ET Q q 0 0 0 rg BT 419.72 427.45 Td (expense ) Tj ET Q q 0 0 0 rg BT 461.77 427.45 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 475.16 427.45 Td ($44 ) Tj ET Q q 0 0 0 rg BT 496.55 427.45 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 531.22 427.45 Td ( ) Tj ET Q q 0 0 0 rg BT 534.62 427.45 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 427.45 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 413.05 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.26 413.05 Td (year) Tj ET Q q 0 0 0 rg BT 96.25 413.05 Td (. ) Tj ET Q q 0 0 0 rg BT 102.19 413.05 Td (Net ) Tj ET Q q 0 0 0 rg BT 122.45 413.05 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 174.69 413.05 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 200.94 413.05 Td ($26 ) Tj ET Q q 0 0 0 rg BT 221.88 413.05 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 256.55 413.05 Td ( ) Tj ET Q q 0 0 0 rg BT 259.48 413.05 Td (\() Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 263.48 413.05 Td (0.07) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 284.48 413.05 Td (% ) Tj ET Q q 0 0 0 rg BT 297.41 413.05 Td (net ) Tj ET Q q 0 0 0 rg BT 315.01 413.05 Td (recovery ) Tj ET Q q 0 0 0 rg BT 359.92 413.05 Td (rate\), ) Tj ET Q q 0 0 0 rg BT 387.83 413.05 Td (compared ) Tj ET Q q 0 0 0 rg BT 438.08 413.05 Td (with ) Tj ET Q q 0 0 0 rg BT 462.35 413.05 Td (net ) Tj ET Q q 0 0 0 rg BT 479.95 413.05 Td (char) Tj ET Q q 0 0 0 rg BT 500.38 413.05 Td (ge-of) Tj ET Q q 0 0 0 rg BT 525.48 413.05 Td (fs ) Tj ET Q q 0 0 0 rg BT 537.08 413.05 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 550.02 413.05 Td ($9 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 398.65 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 84.67 398.65 Td ( ) Tj ET Q q 0 0 0 rg BT 87.77 398.65 Td (\() Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 91.76 398.65 Td (0.03) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 112.76 398.65 Td (% ) Tj ET Q q 0 0 0 rg BT 125.86 398.65 Td (net ) Tj ET Q q 0 0 0 rg BT 143.61 398.65 Td (char) Tj ET Q q 0 0 0 rg BT 164.04 398.65 Td (ge-of) Tj ET Q q 0 0 0 rg BT 189.15 398.65 Td (f ) Tj ET Q q 0 0 0 rg BT 196.24 398.65 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 221.31 398.65 Td (in ) Tj ET Q q 0 0 0 rg BT 233.74 398.65 Td (the ) Tj ET Q q 0 0 0 rg BT 251.50 398.65 Td (prior ) Tj ET Q q 0 0 0 rg BT 277.92 398.65 Td (year ) Tj ET Q q 0 0 0 rg BT 301.67 398.65 Td (and ) Tj ET Q q 0 0 0 rg BT 322.09 398.65 Td (net ) Tj ET Q q 0 0 0 rg BT 339.85 398.65 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 392.25 398.65 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 405.34 398.65 Td ($14 ) Tj ET Q q 0 0 0 rg BT 426.44 398.65 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 461.11 398.65 Td ( ) Tj ET Q q 0 0 0 rg BT 464.20 398.65 Td (\() Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 468.20 398.65 Td (0.04) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 489.20 398.65 Td (% ) Tj ET Q q 0 0 0 rg BT 502.29 398.65 Td (net ) Tj ET Q q 0 0 0 rg BT 520.05 398.65 Td (recovery ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 384.25 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 74.80 384.25 Td (in ) Tj ET Q q 0 0 0 rg BT 86.96 384.25 Td (the ) Tj ET Q q 0 0 0 rg BT 104.45 384.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.60 384.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.92 384.25 Td (. ) Tj ET Q q 0 0 0 rg BT 169.54 384.25 Td (The ) Tj ET Q q 0 0 0 rg BT 191.02 384.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 242.49 384.25 Td (for ) Tj ET Q q 0 0 0 rg BT 259.30 384.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 282.79 384.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 314.29 384.25 Td (to ) Tj ET Q q 0 0 0 rg BT 326.44 384.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 381.25 384.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 409.40 384.25 Td (retained ) Tj ET Q q 0 0 0 rg BT 450.87 384.25 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 472.36 384.25 Td (1.87) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 493.36 384.25 Td (%, ) Tj ET Q q 0 0 0 rg BT 509.18 384.25 Td (down ) Tj ET Q q 0 0 0 rg BT 538.67 384.25 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 369.85 Td (2.06) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 71.00 369.85 Td (% ) Tj ET Q q 0 0 0 rg BT 83.15 369.85 Td (in ) Tj ET Q q 0 0 0 rg BT 94.64 369.85 Td (the ) Tj ET Q q 0 0 0 rg BT 111.46 369.85 Td (prior ) Tj ET Q q 0 0 0 rg BT 136.94 369.85 Td (year ) Tj ET Q q 0 0 0 rg BT 159.75 369.85 Td (and ) Tj ET Q q 0 0 0 rg BT 179.23 369.85 Td (down ) Tj ET Q q 0 0 0 rg BT 208.05 369.85 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 233.53 369.85 Td (1.95) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 254.53 369.85 Td (% ) Tj ET Q q 0 0 0 rg BT 266.69 369.85 Td (in ) Tj ET Q q 0 0 0 rg BT 278.18 369.85 Td (the ) Tj ET Q q 0 0 0 rg BT 294.99 369.85 Td (prior ) Tj ET Q q 0 0 0 rg BT 320.47 369.85 Td (quarter) Tj ET Q q 0 0 0 rg BT 353.79 369.85 Td (. ) Tj ET Q q 0 0 0 rg BT 358.95 369.85 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 416.40 369.85 Td (loans ) Tj ET Q q 0 0 0 rg BT 443.89 369.85 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 469.36 369.85 Td ($446 ) Tj ET Q q 0 0 0 rg BT 495.52 369.85 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 530.19 369.85 Td (, ) Tj ET Q q 0 0 0 rg BT 535.34 369.85 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 355.45 Td ($67 ) Tj ET Q q 0 0 0 rg BT 71.00 355.45 Td (million, ) Tj ET Q q 0 0 0 rg BT 111.67 355.45 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 124.67 355.45 Td (13) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 136.67 355.45 Td (%, ) Tj ET Q q 0 0 0 rg BT 152.66 355.45 Td (from ) Tj ET Q q 0 0 0 rg BT 178.99 355.45 Td (the ) Tj ET Q q 0 0 0 rg BT 196.65 355.45 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.97 355.45 Td (year) Tj ET Q q 0 0 0 rg BT 243.14 355.45 Td (, ) Tj ET Q q 0 0 0 rg BT 249.14 355.45 Td (and ) Tj ET Q q 0 0 0 rg BT 269.47 355.45 Td (down ) Tj ET Q q 0 0 0 rg BT 299.13 355.45 Td (by ) Tj ET Q q 0 0 0 rg BT 314.13 355.45 Td ($39 ) Tj ET Q q 0 0 0 rg BT 335.13 355.45 Td (million, ) Tj ET Q q 0 0 0 rg BT 375.80 355.45 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 388.80 355.45 Td (8) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 394.80 355.45 Td (%, ) Tj ET Q q 0 0 0 rg BT 410.80 355.45 Td (from ) Tj ET Q q 0 0 0 rg BT 437.12 355.45 Td (the ) Tj ET Q q 0 0 0 rg BT 454.78 355.45 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.11 355.45 Td (quarter) Tj ET Q q 0 0 0 rg BT 514.43 355.45 Td (.) 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 562.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 715.4 m 50.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 715.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 276.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 700.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 715.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 325.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 700.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 715.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 374.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 700.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 715.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 715.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 468.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 700.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 715.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 715.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 50.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 276.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 685.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 325.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 685.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 374.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 685.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 468.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 685.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 700.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 50.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 276.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 670.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 325.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 670.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 374.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 670.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 468.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 670.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 685.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 50.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 276.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 655.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 325.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 655.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 374.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 655.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 468.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 655.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 670.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 50.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 640.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 640.4 m 276.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 640.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 640.4 m 325.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 640.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 640.4 m 374.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 640.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 640.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 640.4 m 468.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 640.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 640.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 655.4 m 562.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 640.4 m 562.5 640.4 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 720.27 Td (Results for AM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 720.27 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 720.27 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 705.27 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 705.27 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 705.27 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 705.27 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 690.27 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 690.27 Td (2,956) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 690.27 Td (2,778) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 690.27 Td (2,725) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 690.27 Td (178) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 690.27 Td (6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 690.27 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 690.27 Td (231) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 547.30 690.27 Td (8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 690.27 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 675.27 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 266.80 675.27 Td (1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 312.10 675.27 Td (\(9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 675.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 675.27 Td (23) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 675.27 Td (10) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 675.27 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 675.27 Td (\(22) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 675.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.10 675.27 Td (\(96) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 675.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 660.27 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 660.27 Td (2,062) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 660.27 Td (2,075) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 660.27 Td (1,892) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 660.27 Td (\(13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.60 660.27 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 660.27 Td (170) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 547.30 660.27 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 645.27 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 645.27 Td (552) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 645.27 Td (441) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 645.27 Td (500) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 645.27 Td (111) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 645.27 Td (25) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 645.27 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 645.27 Td (52) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.80 645.27 Td (10) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 645.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 612.10 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.02 612.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 597.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.21 597.70 Td (income ) Tj ET Q q 0 0 0 rg BT 108.42 597.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 129.97 597.70 Td ($552 ) Tj ET Q q 0 0 0 rg BT 156.86 597.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 191.53 597.70 Td (, ) Tj ET Q q 0 0 0 rg BT 197.41 597.70 Td (an ) Tj ET Q q 0 0 0 rg BT 211.63 597.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 253.82 597.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 266.70 597.70 Td ($52 ) Tj ET Q q 0 0 0 rg BT 287.59 597.70 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 322.26 597.70 Td (, ) Tj ET Q q 0 0 0 rg BT 328.15 597.70 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 341.03 597.70 Td (10) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 353.03 597.70 Td (%, ) Tj ET Q q 0 0 0 rg BT 368.91 597.70 Td (from ) Tj ET Q q 0 0 0 rg BT 395.13 597.70 Td (the ) Tj ET Q q 0 0 0 rg BT 412.67 597.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.89 597.70 Td (year) Tj ET Q q 0 0 0 rg BT 459.06 597.70 Td (, ) Tj ET Q q 0 0 0 rg BT 464.94 597.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 513.80 597.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 547.35 597.70 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 583.30 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 93.97 583.30 Td (lar) Tj ET Q q 0 0 0 rg BT 106.41 583.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 130.07 583.30 Td (of) Tj ET Q q 0 0 0 rg BT 139.85 583.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 160.18 583.30 Td (by ) Tj ET Q q 0 0 0 rg BT 175.18 583.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 208.84 583.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 265.16 583.30 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 562.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.45 562.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.56 562.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 133.35 562.90 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 157.47 562.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 188.81 562.90 Td (, ) Tj ET Q q 0 0 0 rg BT 194.94 562.90 Td (an ) Tj ET Q q 0 0 0 rg BT 209.39 562.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 251.82 562.90 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 264.95 562.90 Td ($231 ) Tj ET Q q 0 0 0 rg BT 292.07 562.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 326.74 562.90 Td (, ) Tj ET Q q 0 0 0 rg BT 332.87 562.90 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 345.99 562.90 Td (8) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 351.99 562.90 Td (%, ) Tj ET Q q 0 0 0 rg BT 368.12 562.90 Td (from ) Tj ET Q q 0 0 0 rg BT 394.57 562.90 Td (the ) Tj ET Q q 0 0 0 rg BT 412.36 562.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.81 562.90 Td (year) Tj ET Q q 0 0 0 rg BT 458.80 562.90 Td (. ) Tj ET Q q 0 0 0 rg BT 464.93 562.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.04 562.90 Td (revenue ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 548.50 Td (was ) Tj ET Q q 0 0 0 rg BT 72.25 548.50 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 96.85 548.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 134.77 548.50 Td (up ) Tj ET Q q 0 0 0 rg BT 150.37 548.50 Td ($224 ) Tj ET Q q 0 0 0 rg BT 177.96 548.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 219.22 548.50 Td (or ) Tj ET Q q 0 0 0 rg BT 232.81 548.50 Td (10%, ) Tj ET Q q 0 0 0 rg BT 261.39 548.50 Td (from ) Tj ET Q q 0 0 0 rg BT 288.31 548.50 Td (the ) Tj ET Q q 0 0 0 rg BT 306.56 548.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 333.48 548.50 Td (year) Tj ET Q q 0 0 0 rg BT 353.65 548.50 Td (, ) Tj ET Q q 0 0 0 rg BT 360.24 548.50 Td (due ) Tj ET Q q 0 0 0 rg BT 381.16 548.50 Td (to ) Tj ET Q q 0 0 0 rg BT 394.09 548.50 Td (net ) Tj ET Q q 0 0 0 rg BT 412.34 548.50 Td (client ) Tj ET Q q 0 0 0 rg BT 442.58 548.50 Td (inflows ) Tj ET Q q 0 0 0 rg BT 482.18 548.50 Td (and ) Tj ET Q q 0 0 0 rg BT 503.09 548.50 Td (the ) Tj ET Q q 0 0 0 rg BT 521.35 548.50 Td (ef) Tj ET Q q 0 0 0 rg BT 530.45 548.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 552.03 548.50 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 534.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.79 534.10 Td (market ) Tj ET Q q 0 0 0 rg BT 120.24 534.10 Td (levels. ) Tj ET Q q 0 0 0 rg BT 154.36 534.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 174.82 534.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 213.28 534.10 Td (income ) Tj ET Q q 0 0 0 rg BT 251.73 534.10 Td (was ) Tj ET Q q 0 0 0 rg BT 273.52 534.10 Td ($576 ) Tj ET Q q 0 0 0 rg BT 300.66 534.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 341.46 534.10 Td (up ) Tj ET Q q 0 0 0 rg BT 356.59 534.10 Td ($7million, ) Tj ET Q q 0 0 0 rg BT 412.40 534.10 Td (or ) Tj ET Q q 0 0 0 rg BT 425.53 534.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 447.66 534.10 Td (from ) Tj ET Q q 0 0 0 rg BT 474.12 534.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.91 534.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 518.37 534.10 Td (year) Tj ET Q q 0 0 0 rg BT 538.54 534.10 Td (, ) Tj ET Q q 0 0 0 rg BT 544.67 534.10 Td (due ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 519.70 Td (to ) Tj ET Q q 0 0 0 rg BT 62.33 519.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 95.99 519.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 119.65 519.70 Td (and ) Tj ET Q q 0 0 0 rg BT 139.98 519.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 177.64 519.70 Td (balances, ) Tj ET Q q 0 0 0 rg BT 224.95 519.70 Td (lar) Tj ET Q q 0 0 0 rg BT 237.39 519.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 261.05 519.70 Td (of) Tj ET Q q 0 0 0 rg BT 270.83 519.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 291.15 519.70 Td (by ) Tj ET Q q 0 0 0 rg BT 306.15 519.70 Td (spread ) Tj ET Q q 0 0 0 rg BT 340.47 519.70 Td (compression.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 499.30 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 96.99 499.30 Td (from ) Tj ET Q q 0 0 0 rg BT 125.32 499.30 Td (Private ) Tj ET Q q 0 0 0 rg BT 164.32 499.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 209.99 499.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 233.66 499.30 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 259.67 499.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 291.01 499.30 Td (, ) Tj ET Q q 0 0 0 rg BT 299.02 499.30 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 316.02 499.30 Td (5) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 322.02 499.30 Td (% ) Tj ET Q q 0 0 0 rg BT 337.03 499.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 389.34 499.30 Td (with ) Tj ET Q q 0 0 0 rg BT 415.69 499.30 Td (the ) Tj ET Q q 0 0 0 rg BT 435.35 499.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 463.69 499.30 Td (year) Tj ET Q q 0 0 0 rg BT 483.67 499.30 Td (. ) Tj ET Q q 0 0 0 rg BT 491.68 499.30 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 538.67 499.30 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 484.90 Td (Institutional ) Tj ET Q q 0 0 0 rg BT 111.00 484.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 132.66 484.90 Td ($571 ) Tj ET Q q 0 0 0 rg BT 159.66 484.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 194.33 484.90 Td (, ) Tj ET Q q 0 0 0 rg BT 200.33 484.90 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 215.33 484.90 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 221.33 484.90 Td (%. ) Tj ET Q q 0 0 0 rg BT 237.32 484.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 282.31 484.90 Td (from ) Tj ET Q q 0 0 0 rg BT 308.63 484.90 Td (Retail ) Tj ET Q q 0 0 0 rg BT 340.29 484.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 361.95 484.90 Td ($829 ) Tj ET Q q 0 0 0 rg BT 388.95 484.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 423.62 484.90 Td (, ) Tj ET Q q 0 0 0 rg BT 429.62 484.90 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 444.62 484.90 Td (22) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 456.62 484.90 Td (%. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 464.50 Td (Client ) Tj ET Q q 0 0 0 rg BT 82.90 464.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 114.46 464.50 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 141.33 464.50 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 165.90 464.50 Td (trillion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 198.56 464.50 Td (, ) Tj ET Q q 0 0 0 rg BT 205.13 464.50 Td (an ) Tj ET Q q 0 0 0 rg BT 220.02 464.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 262.89 464.50 Td (of ) Tj ET Q q 0 0 0 rg BT 276.45 464.50 Td ($316 ) Tj ET Q q 0 0 0 rg BT 304.01 464.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 341.91 464.50 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 355.47 464.50 Td (15) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 367.47 464.50 Td (%, ) Tj ET Q q 0 0 0 rg BT 384.03 464.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 434.90 464.50 Td (with ) Tj ET Q q 0 0 0 rg BT 459.80 464.50 Td (the ) Tj ET Q q 0 0 0 rg BT 478.03 464.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 504.92 464.50 Td (year) Tj ET Q q 0 0 0 rg BT 524.90 464.50 Td (. ) Tj ET Q q 0 0 0 rg BT 530.68 464.50 Td (Assets ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 450.10 Td (under ) Tj ET Q q 0 0 0 rg BT 80.86 450.10 Td (management ) Tj ET Q q 0 0 0 rg BT 145.70 450.10 Td (were ) Tj ET Q q 0 0 0 rg BT 172.55 450.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 197.09 450.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 236.29 450.10 Td (an ) Tj ET Q q 0 0 0 rg BT 251.15 450.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 293.99 450.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.53 450.10 Td ($237 ) Tj ET Q q 0 0 0 rg BT 335.06 450.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 372.93 450.10 Td (or ) Tj ET Q q 0 0 0 rg BT 386.47 450.10 Td (16%, ) Tj ET Q q 0 0 0 rg BT 415.00 450.10 Td (from ) Tj ET Q q 0 0 0 rg BT 441.86 450.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.06 450.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.92 450.10 Td (year) Tj ET Q q 0 0 0 rg BT 507.09 450.10 Td (, ) Tj ET Q q 0 0 0 rg BT 513.62 450.10 Td (due ) Tj ET Q q 0 0 0 rg BT 534.49 450.10 Td (to ) Tj ET Q q 0 0 0 rg BT 547.36 450.10 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 435.70 Td (ef) Tj ET Q q 0 0 0 rg BT 59.11 435.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 79.53 435.70 Td (of ) Tj ET Q q 0 0 0 rg BT 91.96 435.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 125.06 435.70 Td (market ) Tj ET Q q 0 0 0 rg BT 160.81 435.70 Td (levels ) Tj ET Q q 0 0 0 rg BT 191.24 435.70 Td (and ) Tj ET Q q 0 0 0 rg BT 211.01 435.70 Td (net ) Tj ET Q q 0 0 0 rg BT 228.11 435.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 266.54 435.70 Td (to ) Tj ET Q q 0 0 0 rg BT 278.32 435.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 328.08 435.70 Td (products. ) Tj ET Q q 0 0 0 rg BT 374.84 435.70 Td (Custody) Tj ET Q q 0 0 0 rg BT 414.07 435.70 Td (, ) Tj ET Q q 0 0 0 rg BT 419.51 435.70 Td (brokerage, ) Tj ET Q q 0 0 0 rg BT 472.92 435.70 Td (administration ) Tj ET Q q 0 0 0 rg BT 544.68 435.70 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 421.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 87.96 421.30 Td (balances ) Tj ET Q q 0 0 0 rg BT 132.56 421.30 Td (were ) Tj ET Q q 0 0 0 rg BT 159.16 421.30 Td ($766billion, ) Tj ET Q q 0 0 0 rg BT 223.79 421.30 Td (up ) Tj ET Q q 0 0 0 rg BT 239.08 421.30 Td ($79billion, ) Tj ET Q q 0 0 0 rg BT 297.71 421.30 Td (or ) Tj ET Q q 0 0 0 rg BT 311.00 421.30 Td (1) Tj ET Q q 0 0 0 rg BT 316.55 421.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 338.84 421.30 Td (from ) Tj ET Q q 0 0 0 rg BT 365.46 421.30 Td (the ) Tj ET Q q 0 0 0 rg BT 383.41 421.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 410.02 421.30 Td (year) Tj ET Q q 0 0 0 rg BT 430.19 421.30 Td (, ) Tj ET Q q 0 0 0 rg BT 436.48 421.30 Td (due ) Tj ET Q q 0 0 0 rg BT 457.10 421.30 Td (to ) Tj ET Q q 0 0 0 rg BT 469.73 421.30 Td (the ) Tj ET Q q 0 0 0 rg BT 487.68 421.30 Td (ef) Tj ET Q q 0 0 0 rg BT 496.78 421.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 518.06 421.30 Td (of ) Tj ET Q q 0 0 0 rg BT 531.35 421.30 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 406.90 Td (market ) Tj ET Q q 0 0 0 rg BT 86.32 406.90 Td (levels ) Tj ET Q q 0 0 0 rg BT 117.31 406.90 Td (and ) Tj ET Q q 0 0 0 rg BT 137.63 406.90 Td (custody ) Tj ET Q q 0 0 0 rg BT 177.96 406.90 Td (inflows, ) Tj ET Q q 0 0 0 rg BT 219.96 406.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 262.95 406.90 Td (of) Tj ET Q q 0 0 0 rg BT 272.73 406.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 293.05 406.90 Td (by ) Tj ET Q q 0 0 0 rg BT 308.05 406.90 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 359.02 406.90 Td (outflows.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 386.50 Td (The ) Tj ET Q q 0 0 0 rg BT 71.66 386.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.99 386.50 Td (for ) Tj ET Q q 0 0 0 rg BT 136.98 386.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.30 386.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.97 386.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 220.63 386.50 Td ($1 ) Tj ET Q q 0 0 0 rg BT 235.63 386.50 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 270.30 386.50 Td (, ) Tj ET Q q 0 0 0 rg BT 276.30 386.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 326.61 386.50 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 350.94 386.50 Td ($23 ) Tj ET Q q 0 0 0 rg BT 371.94 386.50 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 406.61 386.50 Td ( ) Tj ET Q q 0 0 0 rg BT 409.61 386.50 Td (in ) Tj ET Q q 0 0 0 rg BT 421.95 386.50 Td (the ) Tj ET Q q 0 0 0 rg BT 439.61 386.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 465.93 386.50 Td (year) Tj ET Q q 0 0 0 rg BT 485.92 386.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 366.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.67 366.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.00 366.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 171.35 366.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 195.03 366.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 226.37 366.10 Td (, ) Tj ET Q q 0 0 0 rg BT 232.05 366.10 Td (an ) Tj ET Q q 0 0 0 rg BT 246.06 366.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 288.05 366.10 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 300.73 366.10 Td ($170 ) Tj ET Q q 0 0 0 rg BT 327.41 366.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 362.08 366.10 Td (, ) Tj ET Q q 0 0 0 rg BT 367.77 366.10 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 380.45 366.10 Td (9) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 386.45 366.10 Td (%, ) Tj ET Q q 0 0 0 rg BT 402.13 366.10 Td (from ) Tj ET Q q 0 0 0 rg BT 428.13 366.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.48 366.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 471.49 366.10 Td (year) Tj ET Q q 0 0 0 rg BT 491.66 366.10 Td (, ) Tj ET Q q 0 0 0 rg BT 497.34 366.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 544.68 366.10 Td (due ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 351.70 Td (to ) Tj ET Q q 0 0 0 rg BT 62.33 351.70 Td (continued ) Tj ET Q q 0 0 0 rg BT 112.65 351.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 168.31 351.70 Td (in ) Tj ET Q q 0 0 0 rg BT 180.65 351.70 Td (controls ) Tj ET Q q 0 0 0 rg BT 222.31 351.70 Td (and ) Tj ET Q q 0 0 0 rg BT 242.63 351.70 Td (growth.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 313.30 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 313.30 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 313.30 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 313.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 313.30 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 304.34 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 304.34 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 304.34 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 304.34 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 304.34 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 304.34 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 304.34 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 304.34 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 304.34 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 304.34 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 281.91 cm /I63 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 284.50 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 284.50 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 284.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 284.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 209.32 284.50 Td (25) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 221.32 284.50 Td (% ) Tj ET Q q 0 0 0 rg BT 234.31 284.50 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.31 284.50 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 273.31 284.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 304.65 284.50 Td ( ) Tj ET Q q 0 0 0 rg BT 307.65 284.50 Td (of ) Tj ET Q q 0 0 0 rg BT 320.64 284.50 Td (average ) Tj ET Q q 0 0 0 rg BT 360.95 284.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 407.25 284.50 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 267.51 cm /I64 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 270.10 Td (Pretax ) Tj ET Q q 0 0 0 rg BT 137.66 270.10 Td (mar) Tj ET Q q 0 0 0 rg BT 156.10 270.10 Td (gin) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 171.43 275.54 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 175.33 270.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.33 270.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 199.99 270.10 Td (30) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 211.99 270.10 Td (%, ) Tj ET Q q 0 0 0 rg BT 227.99 270.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 246.98 270.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.31 270.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.97 270.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 303.30 270.10 Td (year) Tj ET Q q 0 0 0 rg BT 323.28 270.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 253.11 cm /I65 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 255.70 Td (For ) Tj ET Q q 0 0 0 rg BT 123.86 255.70 Td (the ) Tj ET Q q 0 0 0 rg BT 141.71 255.70 Td (12 ) Tj ET Q q 0 0 0 rg BT 156.89 255.70 Td (months ) Tj ET Q q 0 0 0 rg BT 195.42 255.70 Td (ended ) Tj ET Q q 0 0 0 rg BT 227.26 255.70 Td (June ) Tj ET Q q 0 0 0 rg BT 252.44 255.70 Td (30, ) Tj ET Q q 0 0 0 rg BT 270.63 255.70 Td (2014, ) Tj ET Q q 0 0 0 rg BT 300.82 255.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 332.00 255.70 Td (under ) Tj ET Q q 0 0 0 rg BT 362.51 255.70 Td (management ) Tj ET Q q 0 0 0 rg BT 427.00 255.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 472.16 255.70 Td (net ) Tj ET Q q 0 0 0 rg BT 490.00 255.70 Td (inflows ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 241.30 Td (of ) Tj ET Q q 0 0 0 rg BT 117.22 241.30 Td ($92 ) Tj ET Q q 0 0 0 rg BT 138.45 241.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 176.01 241.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 209.89 241.30 Td (by ) Tj ET Q q 0 0 0 rg BT 225.12 241.30 Td (net ) Tj ET Q q 0 0 0 rg BT 243.00 241.30 Td (inflows ) Tj ET Q q 0 0 0 rg BT 282.23 241.30 Td (of ) Tj ET Q q 0 0 0 rg BT 295.45 241.30 Td ($89 ) Tj ET Q q 0 0 0 rg BT 316.67 241.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 351.24 241.30 Td (to ) Tj ET Q q 0 0 0 rg BT 363.80 241.30 Td (long-term ) Tj ET Q q 0 0 0 rg BT 414.34 241.30 Td (products ) Tj ET Q q 0 0 0 rg BT 458.89 241.30 Td (and ) Tj ET Q q 0 0 0 rg BT 479.45 241.30 Td ($3 ) Tj ET Q q 0 0 0 rg BT 494.67 241.30 Td (billion ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 226.90 Td (to ) Tj ET Q q 0 0 0 rg BT 116.21 226.90 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 159.75 226.90 Td (products. ) Tj ET Q q 0 0 0 rg BT 206.95 226.90 Td (For ) Tj ET Q q 0 0 0 rg BT 226.49 226.90 Td (the ) Tj ET Q q 0 0 0 rg BT 244.02 226.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 277.52 226.90 Td (, ) Tj ET Q q 0 0 0 rg BT 283.39 226.90 Td (net ) Tj ET Q q 0 0 0 rg BT 300.93 226.90 Td (inflows ) Tj ET Q q 0 0 0 rg BT 339.80 226.90 Td (were ) Tj ET Q q 0 0 0 rg BT 365.99 226.90 Td ($23 ) Tj ET Q q 0 0 0 rg BT 386.86 226.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 424.07 226.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 457.60 226.90 Td (by ) Tj ET Q q 0 0 0 rg BT 472.47 226.90 Td (net ) Tj ET Q q 0 0 0 rg BT 490.00 226.90 Td (inflows ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 212.50 Td (of ) Tj ET Q q 0 0 0 rg BT 115.67 212.50 Td ($34 ) Tj ET Q q 0 0 0 rg BT 135.35 212.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 168.37 212.50 Td (to ) Tj ET Q q 0 0 0 rg BT 179.38 212.50 Td (long-term ) Tj ET Q q 0 0 0 rg BT 228.38 212.50 Td (products ) Tj ET Q q 0 0 0 rg BT 271.38 212.50 Td (and ) Tj ET Q q 0 0 0 rg BT 290.39 212.50 Td (net ) Tj ET Q q 0 0 0 rg BT 306.73 212.50 Td (outflows ) Tj ET Q q 0 0 0 rg BT 350.41 212.50 Td (of ) Tj ET Q q 0 0 0 rg BT 362.08 212.50 Td ($1) Tj ET Q q 0 0 0 rg BT 373.64 212.50 Td (1 ) Tj ET Q q 0 0 0 rg BT 381.32 212.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 414.33 212.50 Td (from ) Tj ET Q q 0 0 0 rg BT 439.33 212.50 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 481.68 212.50 Td (products.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 195.51 cm /I66 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 198.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 124.33 198.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 174.65 198.10 Td (client ) Tj ET Q q 0 0 0 rg BT 204.30 198.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 233.97 198.10 Td (were ) Tj ET Q q 0 0 0 rg BT 260.28 198.10 Td (positive ) Tj ET Q q 0 0 0 rg BT 301.28 198.10 Td (for ) Tj ET Q q 0 0 0 rg BT 318.27 198.10 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 335.93 198.10 Td (twenty-first) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 391.92 198.10 Td ( ) Tj ET Q q 0 0 0 rg BT 394.92 198.10 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 454.56 198.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 487.88 198.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 181.11 cm /I67 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 183.70 Td (Assets ) Tj ET Q q 0 0 0 rg BT 139.29 183.70 Td (under ) Tj ET Q q 0 0 0 rg BT 170.56 183.70 Td (management ) Tj ET Q q 0 0 0 rg BT 235.82 183.70 Td (ranked ) Tj ET Q q 0 0 0 rg BT 272.42 183.70 Td (in ) Tj ET Q q 0 0 0 rg BT 285.70 183.70 Td (the ) Tj ET Q q 0 0 0 rg BT 304.31 183.70 Td (top ) Tj ET Q q 0 0 0 rg BT 323.60 183.70 Td (two ) Tj ET Q q 0 0 0 rg BT 345.55 183.70 Td (quartiles ) Tj ET Q q 0 0 0 rg BT 390.82 183.70 Td (for ) Tj ET Q q 0 0 0 rg BT 408.76 183.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 465.37 183.70 Td (performance ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 169.30 Td (were ) Tj ET Q q 0 0 0 rg BT 130.31 169.30 Td (69% ) Tj ET Q q 0 0 0 rg BT 155.31 169.30 Td (over ) Tj ET Q q 0 0 0 rg BT 179.63 169.30 Td (5 ) Tj ET Q q 0 0 0 rg BT 188.63 169.30 Td (years, ) Tj ET Q q 0 0 0 rg BT 219.95 169.30 Td (67% ) Tj ET Q q 0 0 0 rg BT 244.95 169.30 Td (over ) Tj ET Q q 0 0 0 rg BT 269.27 169.30 Td (3 ) Tj ET Q q 0 0 0 rg BT 278.27 169.30 Td (years ) Tj ET Q q 0 0 0 rg BT 306.59 169.30 Td (and ) Tj ET Q q 0 0 0 rg BT 326.91 169.30 Td (48% ) Tj ET Q q 0 0 0 rg BT 351.91 169.30 Td (over ) Tj ET Q q 0 0 0 rg BT 376.23 169.30 Td (1 ) Tj ET Q q 0 0 0 rg BT 385.23 169.30 Td (year) Tj ET Q q 0 0 0 rg BT 405.22 169.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 152.31 cm /I68 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 154.90 Td (Customer ) Tj ET Q q 0 0 0 rg BT 153.66 154.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 184.66 154.90 Td (in ) Tj ET Q q 0 0 0 rg BT 196.99 154.90 Td (4 ) Tj ET Q q 0 0 0 rg BT 205.99 154.90 Td (and ) Tj ET Q q 0 0 0 rg BT 226.32 154.90 Td (5 ) Tj ET Q q 0 0 0 rg BT 235.32 154.90 Td (Star) Tj ET Q q 0 0 0 rg BT 254.41 154.90 Td (-rated ) Tj ET Q q 0 0 0 rg BT 285.39 154.90 Td (funds ) Tj ET Q q 0 0 0 rg BT 315.05 154.90 Td (were ) Tj ET Q q 0 0 0 rg BT 341.37 154.90 Td (51% ) Tj ET Q q 0 0 0 rg BT 366.37 154.90 Td (of ) Tj ET Q q 0 0 0 rg BT 379.36 154.90 Td (all ) Tj ET Q q 0 0 0 rg BT 394.36 154.90 Td (rated ) Tj ET Q q 0 0 0 rg BT 421.34 154.90 Td (mutual ) Tj ET Q q 0 0 0 rg BT 457.67 154.90 Td (fund ) Tj ET Q q 0 0 0 rg BT 482.66 154.90 Td (assets.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 137.91 cm /I69 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 140.50 Td (Client ) Tj ET Q q 0 0 0 rg BT 136.99 140.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 168.63 140.50 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 195.60 140.50 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 220.26 140.50 Td (trillion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 252.92 140.50 Td (, ) Tj ET Q q 0 0 0 rg BT 259.58 140.50 Td (a ) Tj ET Q q 0 0 0 rg BT 268.55 140.50 Td (record, ) Tj ET Q q 0 0 0 rg BT 305.85 140.50 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 321.51 140.50 Td (15) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 333.51 140.50 Td (% ) Tj ET Q q 0 0 0 rg BT 347.16 140.50 Td (from ) Tj ET Q q 0 0 0 rg BT 374.13 140.50 Td (the ) Tj ET Q q 0 0 0 rg BT 392.45 140.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 419.43 140.50 Td (year ) Tj ET Q q 0 0 0 rg BT 443.73 140.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 464.71 140.50 Td (3) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 470.71 140.50 Td (% ) Tj ET Q q 0 0 0 rg BT 484.36 140.50 Td (from ) Tj ET Q q 0 0 0 rg BT 511.34 140.50 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 126.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 126.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 126.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 109.11 cm /I70 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 111.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 111.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.63 111.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.83 111.70 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 201.03 111.70 Td ($98.7 ) Tj ET Q q 0 0 0 rg BT 230.90 111.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 262.24 111.70 Td (, ) Tj ET Q q 0 0 0 rg BT 268.12 111.70 Td (a ) Tj ET Q q 0 0 0 rg BT 276.32 111.70 Td (record, ) Tj ET Q q 0 0 0 rg BT 312.84 111.70 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 327.72 111.70 Td (18) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 339.72 111.70 Td (% ) Tj ET Q q 0 0 0 rg BT 352.59 111.70 Td (from ) Tj ET Q q 0 0 0 rg BT 378.79 111.70 Td (the ) Tj ET Q q 0 0 0 rg BT 396.33 111.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 422.53 111.70 Td (year ) Tj ET Q q 0 0 0 rg BT 446.06 111.70 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 466.26 111.70 Td (3) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 472.26 111.70 Td (% ) Tj ET Q q 0 0 0 rg BT 485.13 111.70 Td (from ) Tj ET Q q 0 0 0 rg BT 511.34 111.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 97.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 97.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 97.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 80.31 cm /I71 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 82.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.44 82.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 187.55 82.90 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 213.66 82.90 Td ($100.9 ) Tj ET Q q 0 0 0 rg BT 249.44 82.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 280.78 82.90 Td (, ) Tj ET Q q 0 0 0 rg BT 286.56 82.90 Td (a ) Tj ET Q q 0 0 0 rg BT 294.68 82.90 Td (record, ) Tj ET Q q 0 0 0 rg BT 331.11 82.90 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 345.89 82.90 Td (17) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 357.89 82.90 Td (% ) Tj ET Q q 0 0 0 rg BT 370.67 82.90 Td (from ) Tj ET Q q 0 0 0 rg BT 396.79 82.90 Td (the ) Tj ET Q q 0 0 0 rg BT 414.23 82.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.35 82.90 Td (year ) Tj ET Q q 0 0 0 rg BT 463.78 82.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 483.89 82.90 Td (4) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 489.89 82.90 Td (% ) Tj ET Q q 0 0 0 rg BT 502.67 82.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 68.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 68.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 68.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 68.50 Td (. ) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I72 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 740.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.71 740.70 Td (deposits ) Tj ET Q q 0 0 0 rg BT 189.00 740.70 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 215.27 740.70 Td ($147.7 ) Tj ET Q q 0 0 0 rg BT 251.22 740.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 282.56 740.70 Td (, ) Tj ET Q q 0 0 0 rg BT 288.51 740.70 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.47 740.70 Td (8) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 309.47 740.70 Td (% ) Tj ET Q q 0 0 0 rg BT 322.42 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 348.71 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 366.32 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 392.60 740.70 Td (year ) Tj ET Q q 0 0 0 rg BT 416.21 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 436.49 740.70 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 466.11 740.70 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 472.11 740.70 Td (% ) Tj ET Q q 0 0 0 rg BT 485.06 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 511.35 740.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 726.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 726.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.31 cm /I73 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.95 711.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 202.57 711.90 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 229.18 711.90 Td ($145.7 ) Tj ET Q q 0 0 0 rg BT 265.47 711.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 296.81 711.90 Td (, ) Tj ET Q q 0 0 0 rg BT 303.10 711.90 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 318.39 711.90 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 324.39 711.90 Td (% ) Tj ET Q q 0 0 0 rg BT 337.68 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 364.30 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 382.26 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 408.88 711.90 Td (year ) Tj ET Q q 0 0 0 rg BT 432.82 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 453.44 711.90 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 483.39 711.90 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 489.39 711.90 Td (% ) Tj ET Q q 0 0 0 rg BT 502.68 711.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 697.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 697.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 697.50 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 659.70 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 659.70 Td (TE/PRIV) Tj ET Q q 0 0 0 rg BT 151.80 659.70 Td (A) Tj ET Q q 0 0 0 rg BT 159.14 659.70 Td (TE EQUITY) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 649.2 m 50.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 649.2 m 231.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 649.2 m 231.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 649.2 m 276.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 649.2 m 280.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 649.2 m 280.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 649.2 m 325.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 649.2 m 329.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 649.2 m 329.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 649.2 m 374.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 649.2 m 378.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 649.2 m 378.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 649.2 m 423.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 622.2 m 423.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 649.2 m 468.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 622.2 m 468.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 649.2 m 472.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 622.2 m 472.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 649.2 m 472.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 649.2 m 517.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 622.2 m 517.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 649.2 m 562.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 649.2 m 562.5 649.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 622.2 m 562.5 622.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 622.2 m 50.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 607.2 m 231.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 622.2 m 231.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 607.2 m 276.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 607.2 m 280.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 622.2 m 280.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 607.2 m 325.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 607.2 m 329.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 622.2 m 329.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 607.2 m 374.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 607.2 m 378.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 622.2 m 378.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 607.2 m 423.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 622.2 m 423.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 607.2 m 468.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 607.2 m 472.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 622.2 m 472.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 607.2 m 517.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 622.2 m 517.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 622.2 m 562.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 607.2 m 562.5 607.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 607.2 m 50.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 592.2 m 231.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 607.2 m 231.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 592.2 m 276.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 592.2 m 280.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 607.2 m 280.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 592.2 m 325.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 592.2 m 329.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 607.2 m 329.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 592.2 m 374.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 592.2 m 378.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 607.2 m 378.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 592.2 m 423.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 607.2 m 423.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 592.2 m 468.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 592.2 m 472.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 607.2 m 472.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 592.2 m 517.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 607.2 m 517.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 607.2 m 562.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 592.2 m 562.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 592.2 m 50.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 577.2 m 231.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 592.2 m 231.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 577.2 m 276.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 577.2 m 280.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 592.2 m 280.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 577.2 m 325.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 577.2 m 329.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 592.2 m 329.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 577.2 m 374.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 577.2 m 378.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 592.2 m 378.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 577.2 m 423.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 592.2 m 423.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 592.2 m 468.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 577.2 m 468.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 577.2 m 472.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 592.2 m 472.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 577.2 m 517.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 592.2 m 517.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 592.2 m 562.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 592.2 m 562.5 592.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 577.2 m 562.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 577.2 m 50.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 562.2 m 231.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 577.2 m 231.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 562.2 m 276.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 562.2 m 280.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 577.2 m 280.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 562.2 m 325.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 562.2 m 329.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 577.2 m 329.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 562.2 m 374.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 562.2 m 378.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 577.2 m 378.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 562.2 m 423.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 577.2 m 423.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 562.2 m 468.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 562.2 m 472.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 577.2 m 472.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 562.2 m 517.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 577.2 m 517.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 577.2 m 562.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 577.2 m 562.5 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 562.2 m 562.5 562.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 562.2 m 50.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 547.2 m 231.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 562.2 m 231.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 547.2 m 276.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 547.2 m 280.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 562.2 m 280.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 547.2 m 325.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 547.2 m 329.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 562.2 m 329.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 547.2 m 374.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 547.2 m 378.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 562.2 m 378.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 547.2 m 423.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 562.2 m 423.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 547.2 m 468.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 547.2 m 472.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 562.2 m 472.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 547.2 m 517.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 562.2 m 517.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 562.2 m 562.5 547.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 547.2 m 562.5 547.2 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 638.12 Td (Results for ) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 627.12 Td (Corporate/Private Equity) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 627.12 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 627.12 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 612.07 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 612.07 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 612.07 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 612.07 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 612.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 612.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 612.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 612.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 597.07 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 597.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 597.07 Td (270) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 597.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 597.07 Td (368) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 597.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 350.10 597.07 Td (\(386) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 597.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 597.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 597.07 Td (\(98) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 597.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 597.07 Td (\(27) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 597.07 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 597.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 597.07 Td (656) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 597.07 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 582.07 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 257.60 582.07 Td (\(10) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 582.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 306.60 582.07 Td (\(11) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 582.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 364.80 582.07 Td (5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 413.80 582.07 Td (1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 582.07 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 582.07 Td (\(15) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 582.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 582.07 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 567.07 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 567.07 Td (180) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 301.10 567.07 Td (\(166) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 567.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 567.07 Td (716) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 567.07 Td (346) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 567.07 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 567.07 Td (\(536) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 567.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 567.07 Td (\(75) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 567.07 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 552.07 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 552.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 552.07 Td (369) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 552.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 552.07 Td (340) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 552.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 350.10 552.07 Td (\(552) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 552.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 552.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 552.07 Td (29) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 552.07 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 552.07 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 552.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 552.07 Td (921) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 552.07 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 518.90 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 504.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.33 504.50 Td (income ) Tj ET Q q 0 0 0 rg BT 108.65 504.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 130.31 504.50 Td ($369 ) Tj ET Q q 0 0 0 rg BT 157.31 504.50 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 191.98 504.50 Td (, ) Tj ET Q q 0 0 0 rg BT 197.98 504.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 248.29 504.50 Td (with ) Tj ET Q q 0 0 0 rg BT 272.62 504.50 Td (a ) Tj ET Q q 0 0 0 rg BT 280.95 504.50 Td (net ) Tj ET Q q 0 0 0 rg BT 298.61 504.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 320.28 504.50 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 333.28 504.50 Td ($552 ) Tj ET Q q 0 0 0 rg BT 360.28 504.50 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 394.95 504.50 Td ( ) Tj ET Q q 0 0 0 rg BT 397.95 504.50 Td (in ) Tj ET Q q 0 0 0 rg BT 410.28 504.50 Td (the ) Tj ET Q q 0 0 0 rg BT 427.94 504.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 454.27 504.50 Td (year) Tj ET Q q 0 0 0 rg BT 474.25 504.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (Private ) Tj ET Q q 0 0 0 rg BT 87.62 484.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 123.26 484.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 166.87 484.10 Td (net ) Tj ET Q q 0 0 0 rg BT 185.16 484.10 Td (income ) Tj ET Q q 0 0 0 rg BT 224.12 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.75 484.10 Td ($7 ) Tj ET Q q 0 0 0 rg BT 253.38 484.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 294.69 484.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 345.63 484.10 Td (with ) Tj ET Q q 0 0 0 rg BT 370.60 484.10 Td (net ) Tj ET Q q 0 0 0 rg BT 388.89 484.10 Td (income ) Tj ET Q q 0 0 0 rg BT 427.85 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.48 484.10 Td ($212 ) Tj ET Q q 0 0 0 rg BT 469.11 484.10 Td (million ) Tj ET Q q 0 0 0 rg BT 507.42 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 520.38 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 484.10 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 469.70 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 469.70 Td (. ) Tj ET Q q 0 0 0 rg BT 75.67 469.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 95.68 469.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 136.33 469.70 Td (was ) Tj ET Q q 0 0 0 rg BT 157.68 469.70 Td ($36 ) Tj ET Q q 0 0 0 rg BT 178.36 469.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 218.71 469.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 268.70 469.70 Td (with ) Tj ET Q q 0 0 0 rg BT 292.72 469.70 Td ($410 ) Tj ET Q q 0 0 0 rg BT 319.40 469.70 Td (million ) Tj ET Q q 0 0 0 rg BT 356.75 469.70 Td (in ) Tj ET Q q 0 0 0 rg BT 368.77 469.70 Td (the ) Tj ET Q q 0 0 0 rg BT 386.11 469.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 412.12 469.70 Td (year) Tj ET Q q 0 0 0 rg BT 432.29 469.70 Td (, ) Tj ET Q q 0 0 0 rg BT 437.97 469.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 485.31 469.70 Td (due ) Tj ET Q q 0 0 0 rg BT 505.31 469.70 Td (to ) Tj ET Q q 0 0 0 rg BT 517.33 469.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 547.33 469.70 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 455.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 97.65 455.30 Td (gains ) Tj ET Q q 0 0 0 rg BT 125.98 455.30 Td (on ) Tj ET Q q 0 0 0 rg BT 140.98 455.30 Td (privately ) Tj ET Q q 0 0 0 rg BT 186.63 455.30 Td (held ) Tj ET Q q 0 0 0 rg BT 210.29 455.30 Td (investments.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 434.90 Td (T) Tj ET Q q 0 0 0 rg BT 56.91 434.90 Td (reasury ) Tj ET Q q 0 0 0 rg BT 95.43 434.90 Td (and ) Tj ET Q q 0 0 0 rg BT 115.97 434.90 Td (CIO ) Tj ET Q q 0 0 0 rg BT 139.84 434.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 183.03 434.90 Td (a ) Tj ET Q q 0 0 0 rg BT 191.57 434.90 Td (net ) Tj ET Q q 0 0 0 rg BT 209.44 434.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 231.32 434.90 Td (of ) Tj ET Q q 0 0 0 rg BT 244.53 434.90 Td ($46 ) Tj ET Q q 0 0 0 rg BT 265.73 434.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 306.61 434.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 357.13 434.90 Td (with ) Tj ET Q q 0 0 0 rg BT 381.68 434.90 Td (a ) Tj ET Q q 0 0 0 rg BT 390.21 434.90 Td (net ) Tj ET Q q 0 0 0 rg BT 408.08 434.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 429.96 434.90 Td (of ) Tj ET Q q 0 0 0 rg BT 443.17 434.90 Td ($429 ) Tj ET Q q 0 0 0 rg BT 470.38 434.90 Td (million ) Tj ET Q q 0 0 0 rg BT 508.26 434.90 Td (in ) Tj ET Q q 0 0 0 rg BT 520.80 434.90 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 434.90 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 420.50 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 420.50 Td (. ) Tj ET Q q 0 0 0 rg BT 76.11 420.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 96.56 420.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 137.67 420.50 Td (was ) Tj ET Q q 0 0 0 rg BT 159.45 420.50 Td ($87 ) Tj ET Q q 0 0 0 rg BT 180.58 420.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 221.38 420.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 271.81 420.50 Td (with ) Tj ET Q q 0 0 0 rg BT 296.27 420.50 Td (a ) Tj ET Q q 0 0 0 rg BT 304.72 420.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 326.52 420.50 Td (of ) Tj ET Q q 0 0 0 rg BT 339.64 420.50 Td ($648 ) Tj ET Q q 0 0 0 rg BT 366.77 420.50 Td (million ) Tj ET Q q 0 0 0 rg BT 404.57 420.50 Td (in ) Tj ET Q q 0 0 0 rg BT 417.03 420.50 Td (the ) Tj ET Q q 0 0 0 rg BT 434.81 420.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 461.26 420.50 Td (year) Tj ET Q q 0 0 0 rg BT 481.25 420.50 Td (. ) Tj ET Q q 0 0 0 rg BT 487.38 420.50 Td (Current-quarter ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (net ) Tj ET Q q 0 0 0 rg BT 66.69 406.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 104.04 406.10 Td (income ) Tj ET Q q 0 0 0 rg BT 141.39 406.10 Td (was ) Tj ET Q q 0 0 0 rg BT 162.08 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 169.44 406.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 190.14 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.17 406.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 222.20 406.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 261.90 406.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 311.24 406.10 Td (with ) Tj ET Q q 0 0 0 rg BT 334.60 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 341.96 406.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 362.67 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 374.69 406.10 Td ($558 ) Tj ET Q q 0 0 0 rg BT 400.72 406.10 Td (million ) Tj ET Q q 0 0 0 rg BT 437.42 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 448.79 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.48 406.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.83 406.10 Td (year) Tj ET Q q 0 0 0 rg BT 511.00 406.10 Td (, ) Tj ET Q q 0 0 0 rg BT 516.03 406.10 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 391.70 Td (the ) Tj ET Q q 0 0 0 rg BT 67.66 391.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 103.98 391.70 Td (of ) Tj ET Q q 0 0 0 rg BT 116.97 391.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 150.63 391.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 188.95 391.70 Td (rates ) Tj ET Q q 0 0 0 rg BT 214.60 391.70 Td (and ) Tj ET Q q 0 0 0 rg BT 234.93 391.70 Td (reinvestment ) Tj ET Q q 0 0 0 rg BT 299.91 391.70 Td (opportunities.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 371.30 Td (Other ) Tj ET Q q 0 0 0 rg BT 80.20 371.30 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 131.06 371.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 173.91 371.30 Td (net ) Tj ET Q q 0 0 0 rg BT 191.45 371.30 Td (income ) Tj ET Q q 0 0 0 rg BT 229.65 371.30 Td (of ) Tj ET Q q 0 0 0 rg BT 242.52 371.30 Td ($408 ) Tj ET Q q 0 0 0 rg BT 269.40 371.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 309.95 371.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 360.13 371.30 Td (with ) Tj ET Q q 0 0 0 rg BT 384.34 371.30 Td (a ) Tj ET Q q 0 0 0 rg BT 392.54 371.30 Td (net ) Tj ET Q q 0 0 0 rg BT 410.08 371.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 431.63 371.30 Td (of ) Tj ET Q q 0 0 0 rg BT 444.51 371.30 Td ($335 ) Tj ET Q q 0 0 0 rg BT 471.38 371.30 Td (million ) Tj ET Q q 0 0 0 rg BT 508.93 371.30 Td (in ) Tj ET Q q 0 0 0 rg BT 521.14 371.30 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 371.30 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 356.90 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 356.90 Td (. ) Tj ET Q q 0 0 0 rg BT 75.24 356.90 Td (The ) Tj ET Q q 0 0 0 rg BT 96.32 356.90 Td (current ) Tj ET Q q 0 0 0 rg BT 132.73 356.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 169.14 356.90 Td (included ) Tj ET Q q 0 0 0 rg BT 212.89 356.90 Td ($227 ) Tj ET Q q 0 0 0 rg BT 239.32 356.90 Td (million ) Tj ET Q q 0 0 0 rg BT 276.42 356.90 Td (of ) Tj ET Q q 0 0 0 rg BT 288.84 356.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 314.59 356.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 355.67 356.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 405.40 356.90 Td (with ) Tj ET Q q 0 0 0 rg BT 429.17 356.90 Td (approximately ) Tj ET Q q 0 0 0 rg BT 500.91 356.90 Td ($600 ) Tj ET Q q 0 0 0 rg BT 527.33 356.90 Td (million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 342.50 Td (of ) Tj ET Q q 0 0 0 rg BT 62.52 342.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 88.36 342.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 129.53 342.50 Td (in ) Tj ET Q q 0 0 0 rg BT 141.38 342.50 Td (the ) Tj ET Q q 0 0 0 rg BT 158.56 342.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 184.41 342.50 Td (year) Tj ET Q q 0 0 0 rg BT 204.40 342.50 Td (. ) Tj ET Q q 0 0 0 rg BT 209.74 342.50 Td (The ) Tj ET Q q 0 0 0 rg BT 230.91 342.50 Td (current ) Tj ET Q q 0 0 0 rg BT 267.41 342.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 303.91 342.50 Td (included ) Tj ET Q q 0 0 0 rg BT 347.75 342.50 Td (over ) Tj ET Q q 0 0 0 rg BT 371.60 342.50 Td ($200 ) Tj ET Q q 0 0 0 rg BT 398.12 342.50 Td (million ) Tj ET Q q 0 0 0 rg BT 435.31 342.50 Td (of ) Tj ET Q q 0 0 0 rg BT 447.83 342.50 Td (net ) Tj ET Q q 0 0 0 rg BT 465.01 342.50 Td (income ) Tj ET Q q 0 0 0 rg BT 502.85 342.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 538.69 342.50 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 67.66 328.10 Td (adjustments.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 290.30 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 194.02 295.74 Td (\(*\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 279.79999999999995 m 50.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 279.79999999999995 m 231.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 279.79999999999995 m 231.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 279.79999999999995 m 276.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 279.79999999999995 m 280.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 279.79999999999995 m 280.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 279.79999999999995 m 325.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 279.79999999999995 m 329.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 279.79999999999995 m 329.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 279.79999999999995 m 374.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 279.79999999999995 m 378.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 279.79999999999995 m 378.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 279.79999999999995 m 423.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 264.79999999999995 m 423.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 279.79999999999995 m 468.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 264.79999999999995 m 468.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 279.79999999999995 m 472.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 264.79999999999995 m 472.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 279.79999999999995 m 472.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 279.79999999999995 m 517.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 264.79999999999995 m 517.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 279.79999999999995 m 562.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 279.79999999999995 m 562.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 264.79999999999995 m 562.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 264.79999999999995 m 50.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 249.79999999999995 m 231.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 264.79999999999995 m 231.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 249.79999999999995 m 276.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 249.79999999999995 m 280.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 264.79999999999995 m 280.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 249.79999999999995 m 325.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 249.79999999999995 m 329.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 264.79999999999995 m 329.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 249.79999999999995 m 374.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 249.79999999999995 m 378.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 264.79999999999995 m 378.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 249.79999999999995 m 423.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 264.79999999999995 m 423.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 249.79999999999995 m 468.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 249.79999999999995 m 472.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 264.79999999999995 m 472.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 249.79999999999995 m 517.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 264.79999999999995 m 517.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 264.79999999999995 m 562.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 249.79999999999995 m 562.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 249.79999999999995 m 50.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 234.79999999999995 m 231.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 249.79999999999995 m 231.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 249.79999999999995 m 276.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 234.79999999999995 m 276.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 234.79999999999995 m 280.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 249.79999999999995 m 280.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 249.79999999999995 m 325.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 234.79999999999995 m 325.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 234.79999999999995 m 329.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 249.79999999999995 m 329.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 249.79999999999995 m 374.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 234.79999999999995 m 374.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 234.79999999999995 m 378.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 249.79999999999995 m 378.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 234.79999999999995 m 423.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 249.79999999999995 m 423.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 234.79999999999995 m 472.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 249.79999999999995 m 472.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 234.79999999999995 m 517.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 249.79999999999995 m 517.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 249.79999999999995 m 562.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 234.79999999999995 m 562.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 234.79999999999995 m 50.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 219.79999999999995 m 231.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 234.79999999999995 m 231.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 234.79999999999995 m 276.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 219.79999999999995 m 276.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 219.79999999999995 m 280.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 234.79999999999995 m 280.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 234.79999999999995 m 325.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 219.79999999999995 m 325.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 219.79999999999995 m 329.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 234.79999999999995 m 329.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 234.79999999999995 m 374.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 219.79999999999995 m 374.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 219.79999999999995 m 378.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 234.79999999999995 m 378.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 219.79999999999995 m 423.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 234.79999999999995 m 423.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 234.79999999999995 m 468.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 219.79999999999995 m 468.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 219.79999999999995 m 472.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 234.79999999999995 m 472.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 219.79999999999995 m 517.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 234.79999999999995 m 517.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 234.79999999999995 m 562.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 219.79999999999995 m 562.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 219.79999999999995 m 50.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 204.79999999999995 m 231.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 219.79999999999995 m 231.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 219.79999999999995 m 276.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 204.79999999999995 m 276.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 204.79999999999995 m 280.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 219.79999999999995 m 280.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 219.79999999999995 m 325.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 204.79999999999995 m 325.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 204.79999999999995 m 329.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 219.79999999999995 m 329.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 219.79999999999995 m 374.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 204.79999999999995 m 374.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 204.79999999999995 m 378.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 219.79999999999995 m 378.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 204.79999999999995 m 423.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 219.79999999999995 m 423.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 204.79999999999995 m 468.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 204.79999999999995 m 472.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 219.79999999999995 m 472.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 204.79999999999995 m 517.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 219.79999999999995 m 517.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 219.79999999999995 m 562.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 204.79999999999995 m 562.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 204.79999999999995 m 50.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 189.79999999999995 m 231.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 204.79999999999995 m 231.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 204.79999999999995 m 276.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 189.79999999999995 m 276.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 189.79999999999995 m 280.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 204.79999999999995 m 280.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 204.79999999999995 m 325.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 189.79999999999995 m 325.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 189.79999999999995 m 329.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 204.79999999999995 m 329.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 204.79999999999995 m 374.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 189.79999999999995 m 374.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 189.79999999999995 m 378.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 204.79999999999995 m 378.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 189.79999999999995 m 423.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 204.79999999999995 m 423.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 204.79999999999995 m 468.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 189.79999999999995 m 468.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 189.79999999999995 m 472.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 204.79999999999995 m 472.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 204.79999999999995 m 517.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 204.79999999999995 m 517.5 204.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 189.79999999999995 m 517.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 204.79999999999995 m 517.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 204.79999999999995 m 562.5 189.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 189.79999999999995 m 562.5 189.79999999999995 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 269.67 Td (Results for JPM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 269.67 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 269.67 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 254.67 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 254.67 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 254.67 Td (1Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 254.67 Td (2Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 254.67 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 254.67 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 254.67 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 254.67 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 239.67 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 239.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 239.67 Td (25,349) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 239.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 239.67 Td (23,863) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 239.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 239.67 Td (25,958) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 239.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 394.50 239.67 Td (1,486) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 239.67 Td (6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 239.67 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 239.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 239.67 Td (\(609) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 239.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 239.67 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 239.67 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 224.67 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 224.67 Td (692) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 224.67 Td (850) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 224.67 Td (47) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 224.67 Td (\(158) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 224.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 224.67 Td (\(19) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 224.67 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 224.67 Td (645) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 224.67 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 209.67 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 209.67 Td (15,431) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 209.67 Td (14,636) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 209.67 Td (15,866) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 209.67 Td (795) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 209.67 Td (5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 209.67 Td (\(435) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 209.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 209.67 Td (\(3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 209.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 194.67 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 194.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 194.67 Td (5,985) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 194.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 194.67 Td (5,274) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 194.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 194.67 Td (6,496) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 194.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 194.67 Td (711) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 444.15 194.67 Td (13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 194.67 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 194.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 194.67 Td (\(511) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 194.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 194.67 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 194.67 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 180.70 Td (\(*\) Presented on a managed basis. See notes on page 12 for further explanation of managed basis. Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 458.48 180.70 Td ( basis totaled ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.25 180.70 Td ($24.5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.14 180.70 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 171.10 Td ($23.0 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 99.89 171.10 Td (, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.44 171.10 Td ($25.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 158.33 171.10 Td ( for the second quarter of 2014, first quarter of 2014, and second quarter of 2013, respectively) Tj ET Q q 0 0 0 rg BT 458.38 171.10 Td (. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 142.30 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 121.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 71.12 121.90 Td (income ) Tj ET Q q 0 0 0 rg BT 110.24 121.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 132.69 121.90 Td ($6.0 ) Tj ET Q q 0 0 0 rg BT 157.49 121.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 188.83 121.90 Td (, ) Tj ET Q q 0 0 0 rg BT 195.62 121.90 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 226.08 121.90 Td ($51) Tj ET Q q 0 0 0 rg BT 243.64 121.90 Td (1 ) Tj ET Q q 0 0 0 rg BT 253.43 121.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 288.10 121.90 Td ( ) Tj ET Q q 0 0 0 rg BT 291.90 121.90 Td (from ) Tj ET Q q 0 0 0 rg BT 319.02 121.90 Td (the ) Tj ET Q q 0 0 0 rg BT 337.48 121.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 364.60 121.90 Td (year) Tj ET Q q 0 0 0 rg BT 384.58 121.90 Td (. ) Tj ET Q q 0 0 0 rg BT 391.10 121.90 Td (The ) Tj ET Q q 0 0 0 rg BT 413.56 121.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 458.65 121.90 Td (was ) Tj ET Q q 0 0 0 rg BT 481.11 121.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 515.56 121.90 Td (by ) Tj ET Q q 0 0 0 rg BT 531.35 121.90 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 107.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 98.33 107.50 Td (for ) Tj ET Q q 0 0 0 rg BT 115.33 107.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.64 107.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 177.31 107.50 Td (and ) Tj ET Q q 0 0 0 rg BT 197.64 107.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 227.96 107.50 Td (net ) Tj ET Q q 0 0 0 rg BT 245.62 107.50 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 289.60 107.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 332.58 107.50 Td (of) Tj ET Q q 0 0 0 rg BT 342.36 107.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 362.69 107.50 Td (by ) Tj ET Q q 0 0 0 rg BT 377.69 107.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 408.01 107.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 464.33 107.50 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 87.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.56 87.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 109.78 87.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 130.68 87.10 Td ($25.3 ) Tj ET Q q 0 0 0 rg BT 159.92 87.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 191.25 87.10 Td (, ) Tj ET Q q 0 0 0 rg BT 196.49 87.10 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 225.39 87.10 Td ($609 ) Tj ET Q q 0 0 0 rg BT 251.63 87.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 286.30 87.10 Td (, ) Tj ET Q q 0 0 0 rg BT 291.54 87.10 Td (or ) Tj ET Q q 0 0 0 rg BT 303.78 87.10 Td (2%, ) Tj ET Q q 0 0 0 rg BT 325.01 87.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.56 87.10 Td (with ) Tj ET Q q 0 0 0 rg BT 398.13 87.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.03 87.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.59 87.10 Td (year) Tj ET Q q 0 0 0 rg BT 460.58 87.10 Td (. ) Tj ET Q q 0 0 0 rg BT 465.82 87.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.04 87.10 Td (revenue ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 72.70 Td (was ) Tj ET Q q 0 0 0 rg BT 71.71 72.70 Td ($14.3 ) Tj ET Q q 0 0 0 rg BT 101.76 72.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 139.15 72.70 Td (down ) Tj ET Q q 0 0 0 rg BT 168.87 72.70 Td ($782 ) Tj ET Q q 0 0 0 rg BT 195.92 72.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 236.64 72.70 Td (or ) Tj ET Q q 0 0 0 rg BT 249.69 72.70 Td (5%, ) Tj ET Q q 0 0 0 rg BT 271.74 72.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 322.10 72.70 Td (with ) Tj ET Q q 0 0 0 rg BT 346.48 72.70 Td (the ) Tj ET Q q 0 0 0 rg BT 364.19 72.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 390.57 72.70 Td (year) Tj ET Q q 0 0 0 rg BT 410.56 72.70 Td (. ) Tj ET Q q 0 0 0 rg BT 416.61 72.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 436.99 72.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 475.36 72.70 Td (income ) Tj ET Q q 0 0 0 rg BT 513.73 72.70 Td (was ) Tj ET Q q 0 0 0 rg BT 535.44 72.70 Td ($1) Tj ET Q q 0 0 0 rg BT 547.00 72.70 Td (1.0 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 58.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 88.00 58.30 Td (up ) Tj ET Q q 0 0 0 rg BT 103.66 58.30 Td ($173 ) Tj ET Q q 0 0 0 rg BT 131.33 58.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.66 58.30 Td (or ) Tj ET Q q 0 0 0 rg BT 186.32 58.30 Td (2%, ) Tj ET Q q 0 0 0 rg BT 208.98 58.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 259.95 58.30 Td (with ) Tj ET Q q 0 0 0 rg BT 284.95 58.30 Td (the ) Tj ET Q q 0 0 0 rg BT 303.27 58.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 330.26 58.30 Td (year) Tj ET Q q 0 0 0 rg BT 350.43 58.30 Td (, ) Tj ET Q q 0 0 0 rg BT 357.09 58.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 406.73 58.30 Td (the ) Tj ET Q q 0 0 0 rg BT 425.05 58.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 461.37 58.30 Td (of ) Tj ET Q q 0 0 0 rg BT 475.03 58.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 509.35 58.30 Td (investment ) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 98.22 740.70 Td (yields, ) Tj ET Q q 0 0 0 rg BT 132.79 740.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 163.02 740.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 213.25 740.70 Td (debt ) Tj ET Q q 0 0 0 rg BT 236.81 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 257.05 740.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 294.62 740.70 Td (yields, ) Tj ET Q q 0 0 0 rg BT 329.19 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 349.42 740.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 382.98 740.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 406.55 740.70 Td (balances, ) Tj ET Q q 0 0 0 rg BT 453.76 740.70 Td (lar) Tj ET Q q 0 0 0 rg BT 466.20 740.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 489.77 740.70 Td (of) Tj ET Q q 0 0 0 rg BT 499.55 740.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 519.78 740.70 Td (by ) Tj ET Q q 0 0 0 rg BT 534.69 740.70 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 73.66 726.30 Td (yields ) Tj ET Q q 0 0 0 rg BT 105.32 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 125.65 726.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 155.97 726.30 Td (trading ) Tj ET Q q 0 0 0 rg BT 192.96 726.30 Td (balances.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 705.90 Td (The ) Tj ET Q q 0 0 0 rg BT 71.73 705.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.15 705.90 Td (for ) Tj ET Q q 0 0 0 rg BT 137.22 705.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.61 705.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 199.36 705.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 221.10 705.90 Td ($692 ) Tj ET Q q 0 0 0 rg BT 248.17 705.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 282.84 705.90 Td (, ) Tj ET Q q 0 0 0 rg BT 288.92 705.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 339.31 705.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 363.72 705.90 Td ($47 ) Tj ET Q q 0 0 0 rg BT 384.80 705.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 419.47 705.90 Td ( ) Tj ET Q q 0 0 0 rg BT 422.54 705.90 Td (from ) Tj ET Q q 0 0 0 rg BT 448.95 705.90 Td (the ) Tj ET Q q 0 0 0 rg BT 466.69 705.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 493.09 705.90 Td (year) Tj ET Q q 0 0 0 rg BT 513.08 705.90 Td (. ) Tj ET Q q 0 0 0 rg BT 518.93 705.90 Td (The ) Tj ET Q q 0 0 0 rg BT 540.67 705.90 Td (total ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 691.50 Td (consumer ) Tj ET Q q 0 0 0 rg BT 99.74 691.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 148.16 691.50 Td (for ) Tj ET Q q 0 0 0 rg BT 165.23 691.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 195.63 691.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 227.39 691.50 Td (was ) Tj ET Q q 0 0 0 rg BT 249.14 691.50 Td ($848 ) Tj ET Q q 0 0 0 rg BT 276.22 691.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 316.98 691.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 367.37 691.50 Td (with ) Tj ET Q q 0 0 0 rg BT 391.79 691.50 Td (a ) Tj ET Q q 0 0 0 rg BT 400.20 691.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 436.60 691.50 Td (of ) Tj ET Q q 0 0 0 rg BT 449.68 691.50 Td ($29 ) Tj ET Q q 0 0 0 rg BT 470.77 691.50 Td (million ) Tj ET Q q 0 0 0 rg BT 508.52 691.50 Td (in ) Tj ET Q q 0 0 0 rg BT 520.94 691.50 Td (the ) Tj ET Q q 0 0 0 rg BT 538.69 691.50 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 677.10 Td (. ) Tj ET Q q 0 0 0 rg BT 76.17 677.10 Td (The ) Tj ET Q q 0 0 0 rg BT 98.27 677.10 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 173.66 677.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 223.75 677.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 272.52 677.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 317.92 677.10 Td (a ) Tj ET Q q 0 0 0 rg BT 326.68 677.10 Td ($354 ) Tj ET Q q 0 0 0 rg BT 354.12 677.10 Td (million ) Tj ET Q q 0 0 0 rg BT 392.22 677.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 440.98 677.10 Td (in ) Tj ET Q q 0 0 0 rg BT 453.75 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.84 677.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 523.92 677.10 Td (for ) Tj ET Q q 0 0 0 rg BT 541.35 677.10 Td (loan ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 662.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 83.76 662.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 133.16 662.70 Td (to ) Tj ET Q q 0 0 0 rg BT 144.58 662.70 Td (a ) Tj ET Q q 0 0 0 rg BT 152.00 662.70 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 175.09 662.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 208.52 662.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 255.92 662.70 Td (in ) Tj ET Q q 0 0 0 rg BT 267.35 662.70 Td (the ) Tj ET Q q 0 0 0 rg BT 284.10 662.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 309.51 662.70 Td (year) Tj ET Q q 0 0 0 rg BT 329.50 662.70 Td (. ) Tj ET Q q 0 0 0 rg BT 334.44 662.70 Td (The ) Tj ET Q q 0 0 0 rg BT 355.19 662.70 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 429.23 662.70 Td (consumer ) Tj ET Q q 0 0 0 rg BT 477.97 662.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 528.70 662.70 Td (release ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 648.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 97.73 648.30 Td (reflects ) Tj ET Q q 0 0 0 rg BT 136.12 648.30 Td (the ) Tj ET Q q 0 0 0 rg BT 153.86 648.30 Td (continued ) Tj ET Q q 0 0 0 rg BT 204.25 648.30 Td (improvement ) Tj ET Q q 0 0 0 rg BT 271.32 648.30 Td (in ) Tj ET Q q 0 0 0 rg BT 283.73 648.30 Td (home ) Tj ET Q q 0 0 0 rg BT 313.47 648.30 Td (prices ) Tj ET Q q 0 0 0 rg BT 345.20 648.30 Td (and ) Tj ET Q q 0 0 0 rg BT 365.60 648.30 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 437.65 648.30 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 490.06 648.30 Td (net ) Tj ET Q q 0 0 0 rg BT 507.80 648.30 Td (char) Tj ET Q q 0 0 0 rg BT 528.23 648.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 553.33 648.30 Td (fs ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 633.90 Td (were ) Tj ET Q q 0 0 0 rg BT 75.84 633.90 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 99.36 633.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 136.22 633.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 186.05 633.90 Td (with ) Tj ET Q q 0 0 0 rg BT 209.91 633.90 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 233.43 633.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 267.29 633.90 Td (in ) Tj ET Q q 0 0 0 rg BT 279.14 633.90 Td (the ) Tj ET Q q 0 0 0 rg BT 296.33 633.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 322.17 633.90 Td (year) Tj ET Q q 0 0 0 rg BT 342.34 633.90 Td (, ) Tj ET Q q 0 0 0 rg BT 347.86 633.90 Td (resulting ) Tj ET Q q 0 0 0 rg BT 392.38 633.90 Td (in ) Tj ET Q q 0 0 0 rg BT 404.24 633.90 Td (net ) Tj ET Q q 0 0 0 rg BT 421.42 633.90 Td (char) Tj ET Q q 0 0 0 rg BT 441.85 633.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 466.95 633.90 Td (f ) Tj ET Q q 0 0 0 rg BT 473.47 633.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 498.65 633.90 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 511.17 633.90 Td (1.34) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 532.17 633.90 Td (% ) Tj ET Q q 0 0 0 rg BT 544.68 633.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 619.50 Td (1.66) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 71.00 619.50 Td (%, ) Tj ET Q q 0 0 0 rg BT 86.56 619.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 143.75 619.50 Td (. ) Tj ET Q q 0 0 0 rg BT 149.13 619.50 Td (The ) Tj ET Q q 0 0 0 rg BT 170.35 619.50 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 220.89 619.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 268.79 619.50 Td (for ) Tj ET Q q 0 0 0 rg BT 285.34 619.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 315.22 619.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 346.45 619.50 Td (was ) Tj ET Q q 0 0 0 rg BT 367.68 619.50 Td (a ) Tj ET Q q 0 0 0 rg BT 375.56 619.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 411.44 619.50 Td (of ) Tj ET Q q 0 0 0 rg BT 424.00 619.50 Td ($156 ) Tj ET Q q 0 0 0 rg BT 450.56 619.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 490.79 619.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.67 619.50 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (an ) Tj ET Q q 0 0 0 rg BT 64.41 605.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 106.14 605.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.22 605.10 Td ($76 ) Tj ET Q q 0 0 0 rg BT 140.30 605.10 Td (million ) Tj ET Q q 0 0 0 rg BT 178.05 605.10 Td (in ) Tj ET Q q 0 0 0 rg BT 190.47 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.21 605.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 234.62 605.10 Td (year) Tj ET Q q 0 0 0 rg BT 254.60 605.10 Td (. ) Tj ET Q q 0 0 0 rg BT 260.46 605.10 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 314.19 605.10 Td (net ) Tj ET Q q 0 0 0 rg BT 331.93 605.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 384.31 605.10 Td (were ) Tj ET Q q 0 0 0 rg BT 410.71 605.10 Td ($44 ) Tj ET Q q 0 0 0 rg BT 431.79 605.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 472.54 605.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 522.93 605.10 Td (with ) Tj ET Q q 0 0 0 rg BT 547.35 605.10 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 590.70 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 102.31 590.70 Td (of ) Tj ET Q q 0 0 0 rg BT 115.31 590.70 Td ($67 ) Tj ET Q q 0 0 0 rg BT 136.31 590.70 Td (million ) Tj ET Q q 0 0 0 rg BT 173.99 590.70 Td (in ) Tj ET Q q 0 0 0 rg BT 186.33 590.70 Td (the ) Tj ET Q q 0 0 0 rg BT 204.00 590.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 230.33 590.70 Td (year) Tj ET Q q 0 0 0 rg BT 250.50 590.70 Td (, ) Tj ET Q q 0 0 0 rg BT 256.50 590.70 Td (resulting ) Tj ET Q q 0 0 0 rg BT 301.50 590.70 Td (in ) Tj ET Q q 0 0 0 rg BT 313.84 590.70 Td (net ) Tj ET Q q 0 0 0 rg BT 331.51 590.70 Td (recovery ) Tj ET Q q 0 0 0 rg BT 376.48 590.70 Td (rate ) Tj ET Q q 0 0 0 rg BT 397.47 590.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 410.47 590.70 Td (0.06) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 431.47 590.70 Td (% ) Tj ET Q q 0 0 0 rg BT 444.48 590.70 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 464.81 590.70 Td (0.09) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 485.81 590.70 Td (%, ) Tj ET Q q 0 0 0 rg BT 501.81 590.70 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.00 590.70 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 576.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.44 576.30 Td (Firm? Tj ET Q q 0 0 0 rg BT 98.11 576.30 Td (s ) Tj ET Q q 0 0 0 rg BT 105.57 576.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 157.00 576.30 Td (for ) Tj ET Q q 0 0 0 rg BT 173.77 576.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 197.22 576.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 228.68 576.30 Td (to ) Tj ET Q q 0 0 0 rg BT 240.80 576.30 Td (period-end ) Tj ET Q q 0 0 0 rg BT 295.56 576.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 323.68 576.30 Td (retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 362.32 581.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 366.22 576.30 Td ( ) Tj ET Q q 0 0 0 rg BT 369.00 576.30 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 390.45 576.30 Td (1.69) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 411.45 576.30 Td (%, ) Tj ET Q q 0 0 0 rg BT 427.24 576.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 477.33 576.30 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 501.45 576.30 Td (2.06) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 522.45 576.30 Td (% ) Tj ET Q q 0 0 0 rg BT 535.23 576.30 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 576.30 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 561.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.12 561.90 Td (year) Tj ET Q q 0 0 0 rg BT 96.10 561.90 Td (. ) Tj ET Q q 0 0 0 rg BT 101.69 561.90 Td (The ) Tj ET Q q 0 0 0 rg BT 123.14 561.90 Td (Firm? Tj ET Q q 0 0 0 rg BT 149.81 561.90 Td (s ) Tj ET Q q 0 0 0 rg BT 157.28 561.90 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 232.05 561.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 262.84 561.90 Td (totaled ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 298.29 561.90 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 322.08 561.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 353.41 561.90 Td (, ) Tj ET Q q 0 0 0 rg BT 359.21 561.90 Td (down ) Tj ET Q q 0 0 0 rg BT 388.66 561.90 Td (from ) Tj ET Q q 0 0 0 rg BT 414.78 561.90 Td (the ) Tj ET Q q 0 0 0 rg BT 432.23 561.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 458.35 561.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 495.12 561.90 Td (and ) Tj ET Q q 0 0 0 rg BT 515.24 561.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 541.36 561.90 Td (year ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 547.50 Td (levels ) Tj ET Q q 0 0 0 rg BT 80.99 547.50 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 93.99 547.50 Td ($9.5 ) Tj ET Q q 0 0 0 rg BT 117.99 547.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 149.32 547.50 Td ( ) Tj ET Q q 0 0 0 rg BT 152.32 547.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 172.65 547.50 Td ($1) Tj ET Q q 0 0 0 rg BT 184.20 547.50 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 202.20 547.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 233.54 547.50 Td (, ) Tj ET Q q 0 0 0 rg BT 239.54 547.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 296.73 547.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 527.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.96 527.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.58 527.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 172.22 527.10 Td ($15.4 ) Tj ET Q q 0 0 0 rg BT 202.20 527.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 233.53 527.10 Td (, ) Tj ET Q q 0 0 0 rg BT 239.51 527.10 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 269.15 527.10 Td ($435 ) Tj ET Q q 0 0 0 rg BT 296.12 527.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 330.79 527.10 Td (, ) Tj ET Q q 0 0 0 rg BT 336.77 527.10 Td (or ) Tj ET Q q 0 0 0 rg BT 349.74 527.10 Td (3%, ) Tj ET Q q 0 0 0 rg BT 371.71 527.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 422.00 527.10 Td (with ) Tj ET Q q 0 0 0 rg BT 446.30 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.94 527.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.24 527.10 Td (year) Tj ET Q q 0 0 0 rg BT 510.41 527.10 Td (, ) Tj ET Q q 0 0 0 rg BT 516.38 527.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.02 527.10 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 512.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 81.12 512.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 123.56 512.70 Td (in ) Tj ET Q q 0 0 0 rg BT 136.69 512.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 185.80 512.70 Td (production ) Tj ET Q q 0 0 0 rg BT 241.58 512.70 Td (and ) Tj ET Q q 0 0 0 rg BT 262.70 512.70 Td (servicing ) Tj ET Q q 0 0 0 rg BT 310.48 512.70 Td (and ) Tj ET Q q 0 0 0 rg BT 331.60 512.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 362.72 512.70 Td (performance-related ) Tj ET Q q 0 0 0 rg BT 463.78 512.70 Td (compensation ) Tj ET Q q 0 0 0 rg BT 534.22 512.70 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 512.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 498.30 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 99.59 498.30 Td (& ) Tj ET Q q 0 0 0 rg BT 110.53 498.30 Td (Investment ) Tj ET Q q 0 0 0 rg BT 165.46 498.30 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 195.39 498.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 266.99 498.30 Td (of) Tj ET Q q 0 0 0 rg BT 276.77 498.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 295.70 498.30 Td (by ) Tj ET Q q 0 0 0 rg BT 309.31 498.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 341.57 498.30 Td (cost ) Tj ET Q q 0 0 0 rg BT 362.51 498.30 Td (of ) Tj ET Q q 0 0 0 rg BT 374.11 498.30 Td (controls. ) Tj ET Q q 0 0 0 rg BT 417.26 498.30 Td (The ) Tj ET Q q 0 0 0 rg BT 437.52 498.30 Td (current ) Tj ET Q q 0 0 0 rg BT 473.11 498.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 508.69 498.30 Td (noninterest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 483.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 91.89 483.90 Td (included ) Tj ET Q q 0 0 0 rg BT 136.44 483.90 Td ($669 ) Tj ET Q q 0 0 0 rg BT 163.68 483.90 Td (million ) Tj ET Q q 0 0 0 rg BT 201.59 483.90 Td (of ) Tj ET Q q 0 0 0 rg BT 214.82 483.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 241.38 483.90 Td (expense, ) Tj ET Q q 0 0 0 rg BT 286.26 483.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 336.81 483.90 Td (with ) Tj ET Q q 0 0 0 rg BT 361.38 483.90 Td ($678 ) Tj ET Q q 0 0 0 rg BT 388.62 483.90 Td (million ) Tj ET Q q 0 0 0 rg BT 426.53 483.90 Td (of ) Tj ET Q q 0 0 0 rg BT 439.76 483.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 466.32 483.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 508.20 483.90 Td (in ) Tj ET Q q 0 0 0 rg BT 520.77 483.90 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 483.90 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 469.50 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 469.50 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 440.70 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 440.70 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 440.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 440.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 440.70 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 431.74 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 431.74 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 431.74 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 431.74 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 431.74 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 431.74 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 431.74 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 431.74 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 431.74 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 431.74 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 409.31 cm /I74 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 411.90 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 411.90 Td (Basel ) Tj ET Q q 0 0 0 rg BT 133.66 411.90 Td (III ) Tj ET Q q 0 0 0 rg BT 148.65 411.90 Td (Common ) Tj ET Q q 0 0 0 rg BT 196.32 411.90 Td (Equity ) Tj ET Q q 0 0 0 rg BT 231.10 411.90 Td (T) Tj ET Q q 0 0 0 rg BT 238.01 411.90 Td (ier ) Tj ET Q q 0 0 0 rg BT 253.67 411.90 Td (1 ) Tj ET Q q 0 0 0 rg BT 262.67 411.90 Td (ratio) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 284.66 417.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 288.56 411.90 Td ( ) Tj ET Q q 0 0 0 rg BT 291.56 411.90 Td (was ) Tj ET Q q 0 0 0 rg BT 313.22 411.90 Td (9.8%.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 394.91 cm /I75 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 397.50 Td (Headcount ) Tj ET Q q 0 0 0 rg BT 158.98 397.50 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 180.64 397.50 Td (245,192) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 219.64 397.50 Td (, ) Tj ET Q q 0 0 0 rg BT 225.64 397.50 Td (a ) Tj ET Q q 0 0 0 rg BT 233.97 397.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 278.26 397.50 Td (of ) Tj ET Q q 0 0 0 rg BT 291.26 397.50 Td (8,871, ) Tj ET Q q 0 0 0 rg BT 324.26 397.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.57 397.50 Td (with ) Tj ET Q q 0 0 0 rg BT 398.90 397.50 Td (the ) Tj ET Q q 0 0 0 rg BT 416.56 397.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.89 397.50 Td (year) Tj ET Q q 0 0 0 rg BT 462.88 397.50 Td (.) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (1. ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 68.00 741.60 Td (Notes ) Tj ET Q q 0 0 0 rg BT 97.02 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 111.39 741.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 163.34 741.60 Td ( ) Tj ET Q q 0 0 0 rg BT 166.09 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 209.79 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 244.42 741.60 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (In ) Tj ET Q q 0 0 0 rg BT 79.09 717.60 Td (addition ) Tj ET Q q 0 0 0 rg BT 114.62 717.60 Td (to ) Tj ET Q q 0 0 0 rg BT 125.16 717.60 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 166.79 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 181.77 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 209.67 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 238.54 717.60 Td (on ) Tj ET Q q 0 0 0 rg BT 251.30 717.60 Td (a ) Tj ET Q q 0 0 0 rg BT 258.50 717.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 294.58 717.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 319.84 717.60 Td (management ) Tj ET Q q 0 0 0 rg BT 373.69 717.60 Td (reviews ) Tj ET Q q 0 0 0 rg BT 407.55 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 422.52 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 450.42 717.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 503.73 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 532.60 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 717.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (results ) Tj ET Q q 0 0 0 rg BT 97.54 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 109.30 705.60 Td (the ) Tj ET Q q 0 0 0 rg BT 124.94 705.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 147.26 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 159.02 705.60 Td (business ) Tj ET Q q 0 0 0 rg BT 196.34 705.60 Td (on ) Tj ET Q q 0 0 0 rg BT 209.77 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 217.64 705.60 Td (managed?) Tj ET Q q 0 0 0 rg BT 266.04 705.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 291.96 705.60 Td (which ) Tj ET Q q 0 0 0 rg BT 319.83 705.60 Td (is ) Tj ET Q q 0 0 0 rg BT 329.93 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 337.80 705.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 382.98 705.60 Td ( ) Tj ET Q q 0 0 0 rg BT 386.41 705.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 424.82 705.60 Td (measure. ) Tj ET Q q 0 0 0 rg BT 463.82 705.60 Td (The ) Tj ET Q q 0 0 0 rg BT 482.80 705.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 511.37 705.60 Td (definition ) Tj ET Q q 0 0 0 rg BT 553.68 705.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 693.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 106.49 693.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 128.89 693.60 Td (starts ) Tj ET Q q 0 0 0 rg BT 152.40 693.60 Td (with ) Tj ET Q q 0 0 0 rg BT 172.58 693.60 Td (the ) Tj ET Q q 0 0 0 rg BT 187.20 693.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 222.91 693.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 243.10 693.60 Td (GAAP) Tj ET Q q 0 0 0 rg BT 269.95 693.60 Td ( ) Tj ET Q q 0 0 0 rg BT 272.35 693.60 Td (results ) Tj ET Q q 0 0 0 rg BT 300.86 693.60 Td (and ) Tj ET Q q 0 0 0 rg BT 317.70 693.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 353.42 693.60 Td (certain ) Tj ET Q q 0 0 0 rg BT 383.02 693.60 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 449.84 693.60 Td (to ) Tj ET Q q 0 0 0 rg BT 460.02 693.60 Td (present ) Tj ET Q q 0 0 0 rg BT 491.30 693.60 Td (total ) Tj ET Q q 0 0 0 rg BT 511.47 693.60 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (net ) Tj ET Q q 0 0 0 rg BT 82.99 681.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 117.40 681.60 Td (for ) Tj ET Q q 0 0 0 rg BT 131.84 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 146.82 681.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 169.04 681.60 Td (\(and ) Tj ET Q q 0 0 0 rg BT 189.58 681.60 Td (for ) Tj ET Q q 0 0 0 rg BT 204.01 681.60 Td (each ) Tj ET Q q 0 0 0 rg BT 225.10 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 236.20 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 251.19 681.60 Td (business ) Tj ET Q q 0 0 0 rg BT 287.85 681.60 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 331.17 681.60 Td (on ) Tj ET Q q 0 0 0 rg BT 343.94 681.60 Td (a ) Tj ET Q q 0 0 0 rg BT 351.15 681.60 Td (fully ) Tj ET Q q 0 0 0 rg BT 372.81 681.60 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 449.43 681.60 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 485.52 681.60 Td (basis. ) Tj ET Q q 0 0 0 rg BT 510.18 681.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 559.51 681.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 102.62 669.60 Td (from ) Tj ET Q q 0 0 0 rg BT 125.04 669.60 Td (investments ) Tj ET Q q 0 0 0 rg BT 175.79 669.60 Td (that ) Tj ET Q q 0 0 0 rg BT 193.77 669.60 Td (receive ) Tj ET Q q 0 0 0 rg BT 225.61 669.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 240.80 669.60 Td (credits ) Tj ET Q q 0 0 0 rg BT 270.44 669.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.85 669.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 335.81 669.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 376.55 669.60 Td (is ) Tj ET Q q 0 0 0 rg BT 386.20 669.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 427.50 669.60 Td (in ) Tj ET Q q 0 0 0 rg BT 438.25 669.60 Td (the ) Tj ET Q q 0 0 0 rg BT 453.45 669.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 492.52 669.60 Td (results ) Tj ET Q q 0 0 0 rg BT 521.61 669.60 Td (on ) Tj ET Q q 0 0 0 rg BT 534.59 669.60 Td (a ) Tj ET Q q 0 0 0 rg BT 542.00 669.60 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 657.60 Td (comparable ) Tj ET Q q 0 0 0 rg BT 118.61 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 130.37 657.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 163.21 657.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 204.95 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 223.36 657.60 Td (investments. ) Tj ET Q q 0 0 0 rg BT 277.32 657.60 Td (This ) Tj ET Q q 0 0 0 rg BT 299.07 657.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 344.26 657.60 Td ( ) Tj ET Q q 0 0 0 rg BT 348.23 657.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 387.18 657.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 424.47 657.60 Td (allows ) Tj ET Q q 0 0 0 rg BT 454.55 657.60 Td (management ) Tj ET Q q 0 0 0 rg BT 509.61 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 521.37 657.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 549.78 657.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (comparability ) Tj ET Q q 0 0 0 rg BT 125.84 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 136.47 645.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 170.42 645.60 Td (arising ) Tj ET Q q 0 0 0 rg BT 199.94 645.60 Td (from ) Tj ET Q q 0 0 0 rg BT 221.69 645.60 Td (both ) Tj ET Q q 0 0 0 rg BT 241.77 645.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 272.94 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.69 645.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 336.97 645.60 Td (sources. ) Tj ET Q q 0 0 0 rg BT 371.60 645.60 Td (The ) Tj ET Q q 0 0 0 rg BT 389.45 645.60 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 448.96 645.60 Td (income ) Tj ET Q q 0 0 0 rg BT 480.70 645.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.22 645.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 524.73 645.60 Td (related ) Tj ET Q q 0 0 0 rg BT 554.24 645.60 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.79 633.60 Td (items ) Tj ET Q q 0 0 0 rg BT 138.27 633.60 Td (is ) Tj ET Q q 0 0 0 rg BT 146.75 633.60 Td (recorded ) Tj ET Q q 0 0 0 rg BT 183.54 633.60 Td (within ) Tj ET Q q 0 0 0 rg BT 210.91 633.60 Td (income ) Tj ET Q q 0 0 0 rg BT 242.16 633.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 256.19 633.60 Td (expense. ) Tj ET Q q 0 0 0 rg BT 292.58 633.60 Td (These ) Tj ET Q q 0 0 0 rg BT 318.27 633.60 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 367.85 633.60 Td (have ) Tj ET Q q 0 0 0 rg BT 388.54 633.60 Td (no ) Tj ET Q q 0 0 0 rg BT 400.36 633.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 429.38 633.60 Td (on ) Tj ET Q q 0 0 0 rg BT 441.19 633.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 493.55 633.60 Td (net ) Tj ET Q q 0 0 0 rg BT 507.58 633.60 Td (income/\(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 621.60 Td (as ) Tj ET Q q 0 0 0 rg BT 78.83 621.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 114.65 621.60 Td (by ) Tj ET Q q 0 0 0 rg BT 127.15 621.60 Td (the ) Tj ET Q q 0 0 0 rg BT 141.86 621.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.81 621.60 Td (or ) Tj ET Q q 0 0 0 rg BT 174.64 621.60 Td (on ) Tj ET Q q 0 0 0 rg BT 187.14 621.60 Td (net ) Tj ET Q q 0 0 0 rg BT 201.86 621.60 Td (income/\(loss\) ) Tj ET Q q 0 0 0 rg BT 258.79 621.60 Td (as ) Tj ET Q q 0 0 0 rg BT 269.62 621.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 305.44 621.60 Td (by ) Tj ET Q q 0 0 0 rg BT 317.94 621.60 Td (the ) Tj ET Q q 0 0 0 rg BT 332.65 621.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 354.04 621.60 Td (of ) Tj ET Q q 0 0 0 rg BT 364.87 621.60 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 597.60 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 597.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.70 597.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 106.18 597.60 Td (of ) Tj ET Q q 0 0 0 rg BT 116.66 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 131.03 597.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 173.72 597.60 Td (for ) Tj ET Q q 0 0 0 rg BT 187.53 597.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 206.90 597.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 232.95 597.60 Td (to ) Tj ET Q q 0 0 0 rg BT 242.88 597.60 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 300.01 597.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 323.27 597.60 Td (excludes ) Tj ET Q q 0 0 0 rg BT 360.41 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 374.78 597.60 Td (following: ) Tj ET Q q 0 0 0 rg BT 418.60 597.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 441.86 597.60 Td (accounted ) Tj ET Q q 0 0 0 rg BT 484.54 597.60 Td (for ) Tj ET Q q 0 0 0 rg BT 498.36 597.60 Td (at ) Tj ET Q q 0 0 0 rg BT 507.73 597.60 Td (fair ) Tj ET Q q 0 0 0 rg BT 523.76 597.60 Td (value ) Tj ET Q q 0 0 0 rg BT 547.57 597.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 585.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 93.64 585.60 Td (held-for) Tj ET Q q 0 0 0 rg BT 125.65 585.60 Td (-sale; ) Tj ET Q q 0 0 0 rg BT 151.83 585.60 Td (purchased ) Tj ET Q q 0 0 0 rg BT 196.90 585.60 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 263.07 585.60 Td (\(PCI\) ) Tj ET Q q 0 0 0 rg BT 298.70 585.60 Td (loans; ) Tj ET Q q 0 0 0 rg BT 327.11 585.60 Td (and ) Tj ET Q q 0 0 0 rg BT 346.08 585.60 Td (the ) Tj ET Q q 0 0 0 rg BT 362.83 585.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 407.89 585.60 Td (for ) Tj ET Q q 0 0 0 rg BT 424.08 585.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 445.83 585.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 474.25 585.60 Td (related ) Tj ET Q q 0 0 0 rg BT 505.99 585.60 Td (to ) Tj ET Q q 0 0 0 rg BT 518.30 585.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 538.39 585.60 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 573.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 117.90 573.60 Td (, ) Tj ET Q q 0 0 0 rg BT 122.90 573.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 143.73 573.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 170.66 573.60 Td (Portfolios ) Tj ET Q q 0 0 0 rg BT 212.61 573.60 Td (net ) Tj ET Q q 0 0 0 rg BT 227.33 573.60 Td (char) Tj ET Q q 0 0 0 rg BT 244.35 573.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 265.27 573.60 Td (fs ) Tj ET Q q 0 0 0 rg BT 274.99 573.60 Td (and ) Tj ET Q q 0 0 0 rg BT 291.93 573.60 Td (net ) Tj ET Q q 0 0 0 rg BT 306.65 573.60 Td (char) Tj ET Q q 0 0 0 rg BT 323.67 573.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 344.59 573.60 Td (f ) Tj ET Q q 0 0 0 rg BT 350.42 573.60 Td (rates ) Tj ET Q q 0 0 0 rg BT 371.80 573.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 405.39 573.60 Td (the ) Tj ET Q q 0 0 0 rg BT 420.11 573.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 449.82 573.60 Td (of ) Tj ET Q q 0 0 0 rg BT 460.65 573.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 478.71 573.60 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 549.60 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 549.60 Td (T) Tj ET Q q 0 0 0 rg BT 73.41 549.60 Td (angible ) Tj ET Q q 0 0 0 rg BT 104.55 549.60 Td (common ) Tj ET Q q 0 0 0 rg BT 141.24 549.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 167.94 549.60 Td (\(TCE\) ) Tj ET Q q 0 0 0 rg BT 204.06 549.60 Td (and ) Tj ET Q q 0 0 0 rg BT 220.20 549.60 Td (return ) Tj ET Q q 0 0 0 rg BT 245.78 549.60 Td (on ) Tj ET Q q 0 0 0 rg BT 257.48 549.60 Td (tangible ) Tj ET Q q 0 0 0 rg BT 291.40 549.60 Td (common ) Tj ET Q q 0 0 0 rg BT 328.10 549.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 354.79 549.60 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 404.81 549.60 Td (are ) Tj ET Q q 0 0 0 rg BT 418.72 549.60 Td (each ) Tj ET Q q 0 0 0 rg BT 438.73 549.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 483.92 549.60 Td ( ) Tj ET Q q 0 0 0 rg BT 485.62 549.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 522.30 549.60 Td (measures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 537.60 Td (TCE ) Tj ET Q q 0 0 0 rg BT 89.72 537.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 133.10 537.60 Td (the ) Tj ET Q q 0 0 0 rg BT 148.15 537.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 170.38 537.60 Td (s ) Tj ET Q q 0 0 0 rg BT 177.10 537.60 Td (common ) Tj ET Q q 0 0 0 rg BT 214.93 537.60 Td (stockholders? Tj ET Q q 0 0 0 rg BT 268.07 537.60 Td ( ) Tj ET Q q 0 0 0 rg BT 270.90 537.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 298.74 537.60 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 319.62 537.60 Td (total ) Tj ET Q q 0 0 0 rg BT 340.23 537.60 Td (stockholders? Tj ET Q q 0 0 0 rg BT 393.36 537.60 Td ( ) Tj ET Q q 0 0 0 rg BT 396.20 537.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 424.03 537.60 Td (less ) Tj ET Q q 0 0 0 rg BT 441.87 537.60 Td (preferred ) Tj ET Q q 0 0 0 rg BT 481.34 537.60 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 508.61 537.60 Td (less ) Tj ET Q q 0 0 0 rg BT 526.45 537.60 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (and ) Tj ET Q q 0 0 0 rg BT 86.03 525.60 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 135.16 525.60 Td (intangible ) Tj ET Q q 0 0 0 rg BT 178.74 525.60 Td (assets ) Tj ET Q q 0 0 0 rg BT 205.66 525.60 Td (\(other ) Tj ET Q q 0 0 0 rg BT 233.13 525.60 Td (than ) Tj ET Q q 0 0 0 rg BT 253.94 525.60 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 288.37 525.60 Td (net ) Tj ET Q q 0 0 0 rg BT 304.18 525.60 Td (of ) Tj ET Q q 0 0 0 rg BT 316.10 525.60 Td (related ) Tj ET Q q 0 0 0 rg BT 346.90 525.60 Td (deferred ) Tj ET Q q 0 0 0 rg BT 383.79 525.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 399.60 525.60 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 442.91 525.60 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 479.28 525.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 520.08 525.60 Td (the ) Tj ET Q q 0 0 0 rg BT 535.89 525.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 558.11 525.60 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 104.01 513.60 Td (as ) Tj ET Q q 0 0 0 rg BT 114.46 513.60 Td (a ) Tj ET Q q 0 0 0 rg BT 121.03 513.60 Td (percentage ) Tj ET Q q 0 0 0 rg BT 166.46 513.60 Td (of ) Tj ET Q q 0 0 0 rg BT 176.77 513.60 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 200.13 513.60 Td (TCE ) Tj ET Q q 0 0 0 rg BT 221.14 513.60 Td (and ) Tj ET Q q 0 0 0 rg BT 237.71 513.60 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 272.62 513.60 Td (are ) Tj ET Q q 0 0 0 rg BT 286.96 513.60 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 334.63 513.60 Td (to ) Tj ET Q q 0 0 0 rg BT 344.53 513.60 Td (the ) Tj ET Q q 0 0 0 rg BT 358.88 513.60 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 382.96 513.60 Td (as ) Tj ET Q q 0 0 0 rg BT 393.42 513.60 Td (well ) Tj ET Q q 0 0 0 rg BT 412.76 513.60 Td (as ) Tj ET Q q 0 0 0 rg BT 423.22 513.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 457.57 513.60 Td (and ) Tj ET Q q 0 0 0 rg BT 474.13 513.60 Td (investors, ) Tj ET Q q 0 0 0 rg BT 514.87 513.60 Td (in ) Tj ET Q q 0 0 0 rg BT 524.78 513.60 Td (assessing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 501.60 Td (the ) Tj ET Q q 0 0 0 rg BT 82.72 501.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 104.94 501.60 Td (s ) Tj ET Q q 0 0 0 rg BT 111.33 501.60 Td (use ) Tj ET Q q 0 0 0 rg BT 127.17 501.60 Td (of ) Tj ET Q q 0 0 0 rg BT 138.00 501.60 Td (equity) Tj ET Q q 0 0 0 rg BT 162.34 501.60 Td (, ) Tj ET Q q 0 0 0 rg BT 167.34 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 178.17 501.60 Td (well ) Tj ET Q q 0 0 0 rg BT 197.89 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 208.72 501.60 Td (facilitating ) Tj ET Q q 0 0 0 rg BT 254.53 501.60 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 307.58 501.60 Td (of ) Tj ET Q q 0 0 0 rg BT 318.41 501.60 Td (the ) Tj ET Q q 0 0 0 rg BT 333.13 501.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 355.08 501.60 Td (with ) Tj ET Q q 0 0 0 rg BT 375.35 501.60 Td (competitors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 477.60 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 477.60 Td (Common ) Tj ET Q q 0 0 0 rg BT 108.24 477.60 Td (Equity ) Tj ET Q q 0 0 0 rg BT 137.71 477.60 Td (T) Tj ET Q q 0 0 0 rg BT 143.46 477.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 157.03 477.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 165.04 477.60 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 207.48 477.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 237.15 477.60 Td (and ) Tj ET Q q 0 0 0 rg BT 254.61 477.60 Td (the ) Tj ET Q q 0 0 0 rg BT 269.84 477.60 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 296.74 477.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 318.08 477.60 Td (under ) Tj ET Q q 0 0 0 rg BT 343.87 477.60 Td (the ) Tj ET Q q 0 0 0 rg BT 359.10 477.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 384.34 477.60 Td (III ) Tj ET Q q 0 0 0 rg BT 396.68 477.60 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 440.23 477.60 Td (Fully ) Tj ET Q q 0 0 0 rg BT 464.37 477.60 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 507.37 477.60 Td (rules, ) Tj ET Q q 0 0 0 rg BT 532.33 477.60 Td (and ) Tj ET Q q 0 0 0 rg BT 549.78 477.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 465.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.64 465.60 Td (proposed ) Tj ET Q q 0 0 0 rg BT 128.15 465.60 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 189.88 465.60 Td (leverage ) Tj ET Q q 0 0 0 rg BT 226.59 465.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 247.77 465.60 Td (\(SLR\) ) Tj ET Q q 0 0 0 rg BT 284.50 465.60 Td (are ) Tj ET Q q 0 0 0 rg BT 299.56 465.60 Td (each ) Tj ET Q q 0 0 0 rg BT 320.73 465.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 365.92 465.60 Td ( ) Tj ET Q q 0 0 0 rg BT 368.77 465.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 406.61 465.60 Td (measures. ) Tj ET Q q 0 0 0 rg BT 448.96 465.60 Td (These ) Tj ET Q q 0 0 0 rg BT 475.69 465.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 515.76 465.60 Td (are ) Tj ET Q q 0 0 0 rg BT 530.82 465.60 Td (used ) Tj ET Q q 0 0 0 rg BT 552.00 465.60 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (management, ) Tj ET Q q 0 0 0 rg BT 125.84 453.60 Td (bank ) Tj ET Q q 0 0 0 rg BT 149.53 453.60 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 196.27 453.60 Td (investors ) Tj ET Q q 0 0 0 rg BT 236.63 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 255.33 453.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 291.80 453.60 Td (to ) Tj ET Q q 0 0 0 rg BT 303.83 453.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 332.53 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 351.22 453.60 Td (monitor ) Tj ET Q q 0 0 0 rg BT 387.14 453.60 Td (the ) Tj ET Q q 0 0 0 rg BT 403.61 453.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 425.83 453.60 Td (s ) Tj ET Q q 0 0 0 rg BT 433.98 453.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 464.88 453.60 Td (position. ) Tj ET Q q 0 0 0 rg BT 503.86 453.60 Td (For ) Tj ET Q q 0 0 0 rg BT 522.01 453.60 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 441.60 Td (information ) Tj ET Q q 0 0 0 rg BT 117.23 441.60 Td (on ) Tj ET Q q 0 0 0 rg BT 129.25 441.60 Td (these ) Tj ET Q q 0 0 0 rg BT 151.82 441.60 Td (measures, ) Tj ET Q q 0 0 0 rg BT 193.55 441.60 Td (see ) Tj ET Q q 0 0 0 rg BT 208.34 441.60 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 254.80 441.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 283.47 441.60 Td (on ) Tj ET Q q 0 0 0 rg BT 295.49 441.60 Td (pages ) Tj ET Q q 0 0 0 rg BT 320.28 441.60 Td (161-165 ) Tj ET Q q 0 0 0 rg BT 355.63 441.60 Td (of ) Tj ET Q q 0 0 0 rg BT 365.98 441.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 392.48 441.60 Td (gan ) Tj ET Q q 0 0 0 rg BT 408.94 441.60 Td (Chase ) Tj ET Q q 0 0 0 rg BT 435.40 441.60 Td (& ) Tj ET Q q 0 0 0 rg BT 445.20 441.60 Td (Co.? Tj ET Q q 0 0 0 rg BT 462.15 441.60 Td (s ) Tj ET Q q 0 0 0 rg BT 467.61 441.60 Td (Annual ) Tj ET Q q 0 0 0 rg BT 499.07 441.60 Td (Report ) Tj ET Q q 0 0 0 rg BT 528.31 441.60 Td (on ) Tj ET Q q 0 0 0 rg BT 540.33 441.60 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (10-K ) Tj ET Q q 0 0 0 rg BT 90.61 429.60 Td (for ) Tj ET Q q 0 0 0 rg BT 104.33 429.60 Td (the ) Tj ET Q q 0 0 0 rg BT 118.60 429.60 Td (year ) Tj ET Q q 0 0 0 rg BT 137.86 429.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 163.80 429.60 Td (December ) Tj ET Q q 0 0 0 rg BT 206.94 429.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 221.50 429.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 246.05 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 262.55 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 274.61 429.60 Td (pages ) Tj ET Q q 0 0 0 rg BT 299.43 429.60 Td (63-68 ) Tj ET Q q 0 0 0 rg BT 324.82 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 335.21 429.60 Td (the ) Tj ET Q q 0 0 0 rg BT 349.48 429.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 371.71 429.60 Td (s ) Tj ET Q q 0 0 0 rg BT 377.66 429.60 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 418.03 429.60 Td (Report ) Tj ET Q q 0 0 0 rg BT 447.30 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 459.36 429.60 Td (Form ) Tj ET Q q 0 0 0 rg BT 483.09 429.60 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 505.70 429.60 Td (for ) Tj ET Q q 0 0 0 rg BT 519.41 429.60 Td (the ) Tj ET Q q 0 0 0 rg BT 533.69 429.60 Td (quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 94.38 417.60 Td (March ) Tj ET Q q 0 0 0 rg BT 122.98 417.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 137.98 417.60 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.20 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 391.20 Td (The ) Tj ET Q q 0 0 0 rg BT 87.56 391.20 Td (CIB ) Tj ET Q q 0 0 0 rg BT 108.24 391.20 Td (provides ) Tj ET Q q 0 0 0 rg BT 146.70 391.20 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 191.88 391.20 Td ( ) Tj ET Q q 0 0 0 rg BT 195.90 391.20 Td (financial ) Tj ET Q q 0 0 0 rg BT 234.89 391.20 Td (measures, ) Tj ET Q q 0 0 0 rg BT 278.61 391.20 Td (as ) Tj ET Q q 0 0 0 rg BT 290.95 391.20 Td (such ) Tj ET Q q 0 0 0 rg BT 313.30 391.20 Td (measures ) Tj ET Q q 0 0 0 rg BT 354.52 391.20 Td (are ) Tj ET Q q 0 0 0 rg BT 370.74 391.20 Td (used ) Tj ET Q q 0 0 0 rg BT 393.08 391.20 Td (by ) Tj ET Q q 0 0 0 rg BT 407.10 391.20 Td (management ) Tj ET Q q 0 0 0 rg BT 462.20 391.20 Td (to ) Tj ET Q q 0 0 0 rg BT 473.99 391.20 Td (assess ) Tj ET Q q 0 0 0 rg BT 502.45 391.20 Td (the ) Tj ET Q q 0 0 0 rg BT 518.68 391.20 Td (underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 379.20 Td (performance ) Tj ET Q q 0 0 0 rg BT 121.02 379.20 Td (of ) Tj ET Q q 0 0 0 rg BT 131.85 379.20 Td (the ) Tj ET Q q 0 0 0 rg BT 146.57 379.20 Td (business ) Tj ET Q q 0 0 0 rg BT 182.96 379.20 Td (and ) Tj ET Q q 0 0 0 rg BT 199.90 379.20 Td (for ) Tj ET Q q 0 0 0 rg BT 214.06 379.20 Td (comparability ) Tj ET Q q 0 0 0 rg BT 272.10 379.20 Td (with ) Tj ET Q q 0 0 0 rg BT 292.38 379.20 Td (peers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 367.20 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 367.20 Td (The ) Tj ET Q q 0 0 0 rg BT 123.94 367.20 Td (ratio ) Tj ET Q q 0 0 0 rg BT 146.67 367.20 Td (of ) Tj ET Q q 0 0 0 rg BT 159.39 367.20 Td (the ) Tj ET Q q 0 0 0 rg BT 176.01 367.20 Td (allowance ) Tj ET Q q 0 0 0 rg BT 220.94 367.20 Td (for ) Tj ET Q q 0 0 0 rg BT 236.99 367.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 258.61 367.20 Td (losses ) Tj ET Q q 0 0 0 rg BT 286.90 367.20 Td (to ) Tj ET Q q 0 0 0 rg BT 299.07 367.20 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 358.44 367.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 383.95 367.20 Td (excludes ) Tj ET Q q 0 0 0 rg BT 423.33 367.20 Td (the ) Tj ET Q q 0 0 0 rg BT 439.94 367.20 Td (impact ) Tj ET Q q 0 0 0 rg BT 471.55 367.20 Td (of ) Tj ET Q q 0 0 0 rg BT 484.28 367.20 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 539.22 367.20 Td (Firm-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 355.20 Td (administered ) Tj ET Q q 0 0 0 rg BT 159.50 355.20 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 209.46 355.20 Td (conduits ) Tj ET Q q 0 0 0 rg BT 247.20 355.20 Td (and ) Tj ET Q q 0 0 0 rg BT 265.49 355.20 Td (trade ) Tj ET Q q 0 0 0 rg BT 289.33 355.20 Td (finance ) Tj ET Q q 0 0 0 rg BT 322.60 355.20 Td (loans, ) Tj ET Q q 0 0 0 rg BT 350.07 355.20 Td (to ) Tj ET Q q 0 0 0 rg BT 361.70 355.20 Td (provide ) Tj ET Q q 0 0 0 rg BT 396.10 355.20 Td (a ) Tj ET Q q 0 0 0 rg BT 404.39 355.20 Td (more ) Tj ET Q q 0 0 0 rg BT 428.79 355.20 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 478.19 355.20 Td (assessment ) Tj ET Q q 0 0 0 rg BT 526.48 355.20 Td (of ) Tj ET Q q 0 0 0 rg BT 538.66 355.20 Td (CIB? Tj ET Q q 0 0 0 rg BT 558.11 355.20 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 343.20 Td (allowance ) Tj ET Q q 0 0 0 rg BT 147.03 343.20 Td (coverage ) Tj ET Q q 0 0 0 rg BT 185.62 343.20 Td (ratio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 327.20 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 327.20 Td (Prior ) Tj ET Q q 0 0 0 rg BT 126.74 327.20 Td (to ) Tj ET Q q 0 0 0 rg BT 137.26 327.20 Td (January ) Tj ET Q q 0 0 0 rg BT 171.10 327.20 Td (1, ) Tj ET Q q 0 0 0 rg BT 181.34 327.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 206.58 327.20 Td (the ) Tj ET Q q 0 0 0 rg BT 221.54 327.20 Td (CIB ) Tj ET Q q 0 0 0 rg BT 240.95 327.20 Td (provided ) Tj ET Q q 0 0 0 rg BT 279.24 327.20 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 324.42 327.20 Td ( ) Tj ET Q q 0 0 0 rg BT 327.16 327.20 Td (financial ) Tj ET Q q 0 0 0 rg BT 364.88 327.20 Td (measures ) Tj ET Q q 0 0 0 rg BT 404.83 327.20 Td (excluding ) Tj ET Q q 0 0 0 rg BT 447.01 327.20 Td (the ) Tj ET Q q 0 0 0 rg BT 461.96 327.20 Td (impact ) Tj ET Q q 0 0 0 rg BT 491.92 327.20 Td (of ) Tj ET Q q 0 0 0 rg BT 502.99 327.20 Td (FV) Tj ET Q q 0 0 0 rg BT 514.48 327.20 Td (A) Tj ET Q q 0 0 0 rg BT 521.15 327.20 Td ( ) Tj ET Q q 0 0 0 rg BT 523.89 327.20 Td (\(ef) Tj ET Q q 0 0 0 rg BT 534.81 327.20 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 315.20 Td (fourth ) Tj ET Q q 0 0 0 rg BT 130.63 315.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 161.14 315.20 Td (2013\) ) Tj ET Q q 0 0 0 rg BT 186.66 315.20 Td (and ) Tj ET Q q 0 0 0 rg BT 203.29 315.20 Td (DV) Tj ET Q q 0 0 0 rg BT 216.45 315.20 Td (A) Tj ET Q q 0 0 0 rg BT 223.12 315.20 Td ( ) Tj ET Q q 0 0 0 rg BT 225.31 315.20 Td (on ) Tj ET Q q 0 0 0 rg BT 237.50 315.20 Td (net ) Tj ET Q q 0 0 0 rg BT 251.91 315.20 Td (revenue ) Tj ET Q q 0 0 0 rg BT 285.75 315.20 Td (and ) Tj ET Q q 0 0 0 rg BT 302.38 315.20 Td (net ) Tj ET Q q 0 0 0 rg BT 316.79 315.20 Td (income. ) Tj ET Q q 0 0 0 rg BT 350.91 315.20 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 394.77 315.20 Td (in ) Tj ET Q q 0 0 0 rg BT 404.74 315.20 Td (the ) Tj ET Q q 0 0 0 rg BT 419.15 315.20 Td (first ) Tj ET Q q 0 0 0 rg BT 437.45 315.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 467.96 315.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 492.65 315.20 Td (the ) Tj ET Q q 0 0 0 rg BT 507.06 315.20 Td (Firm ) Tj ET Q q 0 0 0 rg BT 528.70 315.20 Td (does ) Tj ET Q q 0 0 0 rg BT 549.22 315.20 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 303.20 Td (exclude ) Tj ET Q q 0 0 0 rg BT 137.71 303.20 Td (FV) Tj ET Q q 0 0 0 rg BT 149.21 303.20 Td (A) Tj ET Q q 0 0 0 rg BT 155.88 303.20 Td ( ) Tj ET Q q 0 0 0 rg BT 158.50 303.20 Td (and ) Tj ET Q q 0 0 0 rg BT 175.56 303.20 Td (DV) Tj ET Q q 0 0 0 rg BT 188.71 303.20 Td (A) Tj ET Q q 0 0 0 rg BT 195.38 303.20 Td ( ) Tj ET Q q 0 0 0 rg BT 198.00 303.20 Td (from ) Tj ET Q q 0 0 0 rg BT 220.06 303.20 Td (its ) Tj ET Q q 0 0 0 rg BT 232.13 303.20 Td (assessment ) Tj ET Q q 0 0 0 rg BT 279.18 303.20 Td (of ) Tj ET Q q 0 0 0 rg BT 290.13 303.20 Td (business ) Tj ET Q q 0 0 0 rg BT 326.64 303.20 Td (performance; ) Tj ET Q q 0 0 0 rg BT 382.56 303.20 Td (however) Tj ET Q q 0 0 0 rg BT 416.59 303.20 Td (, ) Tj ET Q q 0 0 0 rg BT 421.71 303.20 Td (the ) Tj ET Q q 0 0 0 rg BT 436.55 303.20 Td (Firm ) Tj ET Q q 0 0 0 rg BT 458.62 303.20 Td (continues ) Tj ET Q q 0 0 0 rg BT 499.56 303.20 Td (to ) Tj ET Q q 0 0 0 rg BT 509.96 303.20 Td (present ) Tj ET Q q 0 0 0 rg BT 541.46 303.20 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 291.20 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 149.19 291.20 Td ( ) Tj ET Q q 0 0 0 rg BT 152.88 291.20 Td (measures ) Tj ET Q q 0 0 0 rg BT 193.78 291.20 Td (for ) Tj ET Q q 0 0 0 rg BT 209.13 291.20 Td (the ) Tj ET Q q 0 0 0 rg BT 225.04 291.20 Td (periods ) Tj ET Q q 0 0 0 rg BT 258.17 291.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.29 291.20 Td (to ) Tj ET Q q 0 0 0 rg BT 292.76 291.20 Td (January ) Tj ET Q q 0 0 0 rg BT 327.55 291.20 Td (1, ) Tj ET Q q 0 0 0 rg BT 338.75 291.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 364.94 291.20 Td (as ) Tj ET Q q 0 0 0 rg BT 376.96 291.20 Td (they ) Tj ET Q q 0 0 0 rg BT 397.87 291.20 Td (reflected ) Tj ET Q q 0 0 0 rg BT 436.53 291.20 Td (how ) Tj ET Q q 0 0 0 rg BT 457.44 291.20 Td (management ) Tj ET Q q 0 0 0 rg BT 512.22 291.20 Td (assessed ) Tj ET Q q 0 0 0 rg BT 549.80 291.20 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 279.20 Td (underlying ) Tj ET Q q 0 0 0 rg BT 149.83 279.20 Td (business ) Tj ET Q q 0 0 0 rg BT 186.22 279.20 Td (performance ) Tj ET Q q 0 0 0 rg BT 239.24 279.20 Td (of ) Tj ET Q q 0 0 0 rg BT 250.07 279.20 Td (the ) Tj ET Q q 0 0 0 rg BT 264.79 279.20 Td (CIB ) Tj ET Q q 0 0 0 rg BT 283.96 279.20 Td (in ) Tj ET Q q 0 0 0 rg BT 294.23 279.20 Td (those ) Tj ET Q q 0 0 0 rg BT 317.84 279.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 339.78 279.20 Td (periods.) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (2. ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 68.00 741.60 Td (Additional ) Tj ET Q q 0 0 0 rg BT 120.88 741.60 Td (notes ) Tj ET Q q 0 0 0 rg BT 148.07 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 162.44 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 206.14 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 240.77 741.60 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (Core ) Tj ET Q q 0 0 0 rg BT 88.80 717.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 111.27 717.60 Td (include ) Tj ET Q q 0 0 0 rg BT 142.07 717.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 164.54 717.60 Td (considered ) Tj ET Q q 0 0 0 rg BT 209.22 717.60 Td (central ) Tj ET Q q 0 0 0 rg BT 237.78 717.60 Td (to ) Tj ET Q q 0 0 0 rg BT 246.92 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 260.50 717.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 282.73 717.60 Td (s ) Tj ET Q q 0 0 0 rg BT 287.98 717.60 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 322.12 717.60 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 368.48 717.60 Td (core ) Tj ET Q q 0 0 0 rg BT 387.05 717.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 409.52 717.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 441.98 717.60 Td (runof) Tj ET Q q 0 0 0 rg BT 463.46 717.60 Td (f ) Tj ET Q q 0 0 0 rg BT 468.15 717.60 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 510.90 717.60 Td (discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 109.39 705.60 Td (and ) Tj ET Q q 0 0 0 rg BT 126.33 705.60 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 167.71 705.60 Td (the ) Tj ET Q q 0 0 0 rg BT 182.43 705.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 204.38 705.60 Td (has ) Tj ET Q q 0 0 0 rg BT 220.21 705.60 Td (an ) Tj ET Q q 0 0 0 rg BT 232.15 705.60 Td (intent ) Tj ET Q q 0 0 0 rg BT 257.42 705.60 Td (to ) Tj ET Q q 0 0 0 rg BT 267.70 705.60 Td (exit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 681.60 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (Headcount-related ) Tj ET Q q 0 0 0 rg BT 150.24 681.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 190.84 681.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 232.55 681.60 Td (salary ) Tj ET Q q 0 0 0 rg BT 264.82 681.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.65 681.60 Td (benefits ) Tj ET Q q 0 0 0 rg BT 327.69 681.60 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 378.85 681.60 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 463.86 681.60 Td (incentives\), ) Tj ET Q q 0 0 0 rg BT 518.62 681.60 Td (and ) Tj ET Q q 0 0 0 rg BT 541.45 681.60 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (noncompensation ) Tj ET Q q 0 0 0 rg BT 141.04 669.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 163.54 669.60 Td (related ) Tj ET Q q 0 0 0 rg BT 193.24 669.60 Td (to ) Tj ET Q q 0 0 0 rg BT 203.52 669.60 Td (employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 645.60 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 112.68 645.60 Td (& ) Tj ET Q q 0 0 0 rg BT 124.03 645.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 175.38 645.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 212.84 645.60 Td (allocated ) Tj ET Q q 0 0 0 rg BT 252.50 645.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 281.07 645.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 317.96 645.60 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 339.03 645.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 368.72 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 380.62 645.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 410.84 645.60 Td (held ) Tj ET Q q 0 0 0 rg BT 431.63 645.60 Td (at ) Tj ET Q q 0 0 0 rg BT 442.41 645.60 Td (the ) Tj ET Q q 0 0 0 rg BT 458.20 645.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 502.88 645.60 Td (& ) Tj ET Q q 0 0 0 rg BT 514.23 645.60 Td (Community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 104.39 633.60 Td (level ) Tj ET Q q 0 0 0 rg BT 126.32 633.60 Td (related ) Tj ET Q q 0 0 0 rg BT 156.02 633.60 Td (to ) Tj ET Q q 0 0 0 rg BT 166.30 633.60 Td (legacy ) Tj ET Q q 0 0 0 rg BT 194.89 633.60 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 235.16 633.60 Td (servicing ) Tj ET Q q 0 0 0 rg BT 274.31 633.60 Td (matters.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 609.60 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 609.60 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 609.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 111.31 609.60 Td (and ) Tj ET Q q 0 0 0 rg BT 128.25 609.60 Td (debit ) Tj ET Q q 0 0 0 rg BT 150.74 609.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 183.24 609.60 Td (metric ) Tj ET Q q 0 0 0 rg BT 211.28 609.60 Td (is ) Tj ET Q q 0 0 0 rg BT 220.45 609.60 Td (based ) Tj ET Q q 0 0 0 rg BT 245.72 609.60 Td (on ) Tj ET Q q 0 0 0 rg BT 258.22 609.60 Td (Nilson ) Tj ET Q q 0 0 0 rg BT 287.39 609.60 Td (data ) Tj ET Q q 0 0 0 rg BT 306.54 609.60 Td (as ) Tj ET Q q 0 0 0 rg BT 317.38 609.60 Td (of ) Tj ET Q q 0 0 0 rg BT 328.21 609.60 Td (2013.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 585.60 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 585.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 111.60 585.60 Td (& ) Tj ET Q q 0 0 0 rg BT 121.87 585.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 159.92 585.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 196.30 585.60 Td (deposit ) Tj ET Q q 0 0 0 rg BT 227.67 585.60 Td (rankings ) Tj ET Q q 0 0 0 rg BT 264.60 585.60 Td (are ) Tj ET Q q 0 0 0 rg BT 279.30 585.60 Td (based ) Tj ET Q q 0 0 0 rg BT 304.56 585.60 Td (on ) Tj ET Q q 0 0 0 rg BT 317.05 585.60 Td (the ) Tj ET Q q 0 0 0 rg BT 331.75 585.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 359.39 585.60 Td (and ) Tj ET Q q 0 0 0 rg BT 376.32 585.60 Td (peer ) Tj ET Q q 0 0 0 rg BT 396.01 585.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 442.94 585.60 Td (as ) Tj ET Q q 0 0 0 rg BT 453.76 585.60 Td (of ) Tj ET Q q 0 0 0 rg BT 464.58 585.60 Td (the ) Tj ET Q q 0 0 0 rg BT 479.29 585.60 Td (first ) Tj ET Q q 0 0 0 rg BT 497.89 585.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 528.69 585.60 Td (of ) Tj ET Q q 0 0 0 rg BT 539.51 585.60 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 561.60 Td (f. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 561.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 110.01 561.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 147.03 561.60 Td (provision ) Tj ET Q q 0 0 0 rg BT 187.94 561.60 Td (for ) Tj ET Q q 0 0 0 rg BT 202.73 561.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 228.63 561.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 255.65 561.60 Td (is ) Tj ET Q q 0 0 0 rg BT 265.45 561.60 Td (included ) Tj ET Q q 0 0 0 rg BT 303.02 561.60 Td (in ) Tj ET Q q 0 0 0 rg BT 313.93 561.60 Td (the ) Tj ET Q q 0 0 0 rg BT 329.28 561.60 Td (functional ) Tj ET Q q 0 0 0 rg BT 372.95 561.60 Td (results ) Tj ET Q q 0 0 0 rg BT 402.19 561.60 Td (of ) Tj ET Q q 0 0 0 rg BT 413.66 561.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 435.11 561.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 462.68 561.60 Td (Portfolios, ) Tj ET Q q 0 0 0 rg BT 507.76 561.60 Td (in ) Tj ET Q q 0 0 0 rg BT 518.67 561.60 Td (production ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 549.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 102.71 549.60 Td (in ) Tj ET Q q 0 0 0 rg BT 112.99 549.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 154.36 549.60 Td (Production, ) Tj ET Q q 0 0 0 rg BT 203.25 549.60 Td (and ) Tj ET Q q 0 0 0 rg BT 220.19 549.60 Td (in ) Tj ET Q q 0 0 0 rg BT 230.47 549.60 Td (core ) Tj ET Q q 0 0 0 rg BT 250.17 549.60 Td (servicing ) Tj ET Q q 0 0 0 rg BT 289.33 549.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 324.04 549.60 Td (in ) Tj ET Q q 0 0 0 rg BT 334.31 549.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 375.69 549.60 Td (Servicing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 525.60 Td (g. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.39 525.60 Td (card ) Tj ET Q q 0 0 0 rg BT 114.99 525.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 136.83 525.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 169.22 525.60 Td (is ) Tj ET Q q 0 0 0 rg BT 178.28 525.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 218.99 525.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 260.82 525.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 312.64 525.60 Td (Card. ) Tj ET Q q 0 0 0 rg BT 336.98 525.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 377.15 525.60 Td (and ) Tj ET Q q 0 0 0 rg BT 393.98 525.60 Td (comparison ) Tj ET Q q 0 0 0 rg BT 443.03 525.60 Td (of ) Tj ET Q q 0 0 0 rg BT 453.76 525.60 Td (general ) Tj ET Q q 0 0 0 rg BT 485.58 525.60 Td (purpose ) Tj ET Q q 0 0 0 rg BT 519.63 525.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 544.79 525.60 Td (card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 89.94 513.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 122.43 513.60 Td (are ) Tj ET Q q 0 0 0 rg BT 137.14 513.60 Td (based ) Tj ET Q q 0 0 0 rg BT 162.41 513.60 Td (on ) Tj ET Q q 0 0 0 rg BT 174.91 513.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 221.85 513.60 Td (by ) Tj ET Q q 0 0 0 rg BT 234.35 513.60 Td (peers ) Tj ET Q q 0 0 0 rg BT 257.95 513.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.88 513.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 307.93 513.60 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 350.14 513.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 390.42 513.60 Td (are ) Tj ET Q q 0 0 0 rg BT 405.12 513.60 Td (as ) Tj ET Q q 0 0 0 rg BT 415.95 513.60 Td (of ) Tj ET Q q 0 0 0 rg BT 426.78 513.60 Td (the ) Tj ET Q q 0 0 0 rg BT 441.50 513.60 Td (first ) Tj ET Q q 0 0 0 rg BT 460.11 513.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 490.92 513.60 Td (of ) Tj ET Q q 0 0 0 rg BT 501.75 513.60 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 489.60 Td (h. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (Global ) Tj ET Q q 0 0 0 rg BT 97.54 489.60 Td (V) Tj ET Q q 0 0 0 rg BT 104.16 489.60 Td (isa ) Tj ET Q q 0 0 0 rg BT 117.77 489.60 Td (ranking ) Tj ET Q q 0 0 0 rg BT 150.81 489.60 Td (based ) Tj ET Q q 0 0 0 rg BT 176.08 489.60 Td (on ) Tj ET Q q 0 0 0 rg BT 188.58 489.60 Td (consumer ) Tj ET Q q 0 0 0 rg BT 229.96 489.60 Td (and ) Tj ET Q q 0 0 0 rg BT 246.90 489.60 Td (business ) Tj ET Q q 0 0 0 rg BT 283.29 489.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 308.55 489.60 Td (card ) Tj ET Q q 0 0 0 rg BT 328.26 489.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 350.20 489.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 382.69 489.60 Td (is ) Tj ET Q q 0 0 0 rg BT 391.86 489.60 Td (based ) Tj ET Q q 0 0 0 rg BT 417.13 489.60 Td (on ) Tj ET Q q 0 0 0 rg BT 429.45 489.60 Td (V) Tj ET Q q 0 0 0 rg BT 436.07 489.60 Td (isa ) Tj ET Q q 0 0 0 rg BT 449.68 489.60 Td (data ) Tj ET Q q 0 0 0 rg BT 468.83 489.60 Td (as ) Tj ET Q q 0 0 0 rg BT 479.67 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 490.50 489.60 Td (1Q14.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 465.60 Td (i. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 465.60 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 465.60 Td (eCommerce ) Tj ET Q q 0 0 0 rg BT 136.86 465.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 169.35 465.60 Td (metric ) Tj ET Q q 0 0 0 rg BT 197.39 465.60 Td (for ) Tj ET Q q 0 0 0 rg BT 211.55 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 226.27 465.60 Td (top ) Tj ET Q q 0 0 0 rg BT 241.55 465.60 Td (500 ) Tj ET Q q 0 0 0 rg BT 259.05 465.60 Td (internet ) Tj ET Q q 0 0 0 rg BT 292.09 465.60 Td (merchants ) Tj ET Q q 0 0 0 rg BT 335.69 465.60 Td (is ) Tj ET Q q 0 0 0 rg BT 344.86 465.60 Td (based ) Tj ET Q q 0 0 0 rg BT 370.12 465.60 Td (on ) Tj ET Q q 0 0 0 rg BT 382.62 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 397.34 465.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 419.84 465.60 Td (Internet ) Tj ET Q q 0 0 0 rg BT 453.43 465.60 Td (Retailer ) Tj ET Q q 0 0 0 rg BT 487.40 465.60 Td (T) Tj ET Q q 0 0 0 rg BT 492.81 465.60 Td (op ) Tj ET Q q 0 0 0 rg BT 505.31 465.60 Td (500 ) Tj ET Q q 0 0 0 rg BT 522.81 465.60 Td (Guide.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 441.60 Td (j. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 441.60 Td (Asset ) Tj ET Q q 0 0 0 rg BT 93.40 441.60 Td (Management ) Tj ET Q q 0 0 0 rg BT 148.78 441.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 176.95 441.60 Td (mar) Tj ET Q q 0 0 0 rg BT 192.32 441.60 Td (gin ) Tj ET Q q 0 0 0 rg BT 208.27 441.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 251.99 441.60 Td (income ) Tj ET Q q 0 0 0 rg BT 284.61 441.60 Td (before ) Tj ET Q q 0 0 0 rg BT 313.32 441.60 Td (income ) Tj ET Q q 0 0 0 rg BT 345.94 441.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 361.33 441.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 396.72 441.60 Td (divided ) Tj ET Q q 0 0 0 rg BT 429.90 441.60 Td (by ) Tj ET Q q 0 0 0 rg BT 443.08 441.60 Td (total ) Tj ET Q q 0 0 0 rg BT 464.03 441.60 Td (net ) Tj ET Q q 0 0 0 rg BT 479.43 441.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 514.25 441.60 Td (which ) Tj ET Q q 0 0 0 rg BT 541.87 441.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 554.22 441.60 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (management's ) Tj ET Q q 0 0 0 rg BT 127.04 429.60 Td (view) Tj ET Q q 0 0 0 rg BT 145.83 429.60 Td (, ) Tj ET Q q 0 0 0 rg BT 150.59 429.60 Td (a ) Tj ET Q q 0 0 0 rg BT 157.28 429.60 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 220.07 429.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 255.64 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 266.23 429.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 293.47 429.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 346.25 429.60 Td (derived ) Tj ET Q q 0 0 0 rg BT 378.50 429.60 Td (by ) Tj ET Q q 0 0 0 rg BT 390.75 429.60 Td (measuring ) Tj ET Q q 0 0 0 rg BT 434.67 429.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 470.80 429.60 Td (after ) Tj ET Q q 0 0 0 rg BT 491.37 429.60 Td (all ) Tj ET Q q 0 0 0 rg BT 503.63 429.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 525.88 429.60 Td (are ) Tj ET Q q 0 0 0 rg BT 540.35 429.60 Td (taken ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (into ) Tj ET Q q 0 0 0 rg BT 86.62 417.60 Td (consideration. ) Tj ET Q q 0 0 0 rg BT 146.06 417.60 Td (It ) Tj ET Q q 0 0 0 rg BT 155.23 417.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 167.46 417.60 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 209.11 417.60 Td (another ) Tj ET Q q 0 0 0 rg BT 242.16 417.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 265.22 417.60 Td (that ) Tj ET Q q 0 0 0 rg BT 283.28 417.60 Td (management ) Tj ET Q q 0 0 0 rg BT 337.44 417.60 Td (uses ) Tj ET Q q 0 0 0 rg BT 357.72 417.60 Td (to ) Tj ET Q q 0 0 0 rg BT 368.56 417.60 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 404.94 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 420.22 417.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 473.81 417.60 Td (of ) Tj ET Q q 0 0 0 rg BT 484.52 417.60 Td (Asset ) Tj ET Q q 0 0 0 rg BT 509.81 417.60 Td (Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (against ) Tj ET Q q 0 0 0 rg BT 98.83 405.60 Td (the ) Tj ET Q q 0 0 0 rg BT 113.54 405.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 166.56 405.60 Td (of ) Tj ET Q q 0 0 0 rg BT 177.39 405.60 Td (its ) Tj ET Q q 0 0 0 rg BT 189.34 405.60 Td (peers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 381.60 Td (k. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 381.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.99 381.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.43 381.60 Td (of ) Tj ET Q q 0 0 0 rg BT 129.20 381.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.41 381.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.40 381.60 Td (to ) Tj ET Q q 0 0 0 rg BT 202.62 381.60 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.17 381.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.15 381.60 Td (new ) Tj ET Q q 0 0 0 rg BT 293.26 381.60 Td (and ) Tj ET Q q 0 0 0 rg BT 310.14 381.60 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.45 381.60 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.16 381.60 Td (including ) Tj ET Q q 0 0 0 rg BT 414.37 381.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.93 381.60 Td (and ) Tj ET Q q 0 0 0 rg BT 454.81 381.60 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.01 381.60 Td (The ) Tj ET Q q 0 0 0 rg BT 532.01 381.60 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 369.60 Td (of ) Tj ET Q q 0 0 0 rg BT 78.35 369.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 103.13 369.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.70 369.60 Td (to ) Tj ET Q q 0 0 0 rg BT 150.50 369.60 Td (small ) Tj ET Q q 0 0 0 rg BT 174.18 369.60 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.42 369.60 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.86 369.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.99 369.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.45 369.60 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.22 369.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.13 369.60 Td (of ) Tj ET Q q 0 0 0 rg BT 360.48 369.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.26 369.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 422.82 369.60 Td (by ) Tj ET Q q 0 0 0 rg BT 434.84 369.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 477.97 369.60 Td (& ) Tj ET Q q 0 0 0 rg BT 487.77 369.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.35 369.60 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 357.60 Td (Card, ) Tj ET Q q 0 0 0 rg BT 93.10 357.60 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 134.58 357.60 Td (Services ) Tj ET Q q 0 0 0 rg BT 171.62 357.60 Td (& ) Tj ET Q q 0 0 0 rg BT 181.86 357.60 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 207.80 357.60 Td (and ) Tj ET Q q 0 0 0 rg BT 225.41 357.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 278.00 357.60 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 317.32 357.60 Td (The ) Tj ET Q q 0 0 0 rg BT 336.03 357.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 369.19 357.60 Td (of ) Tj ET Q q 0 0 0 rg BT 380.68 357.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.61 357.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 445.32 357.60 Td (to ) Tj ET Q q 0 0 0 rg BT 456.26 357.60 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 496.64 357.60 Td (and ) Tj ET Q q 0 0 0 rg BT 514.24 357.60 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 345.60 Td (entities, ) Tj ET Q q 0 0 0 rg BT 102.02 345.60 Td (including ) Tj ET Q q 0 0 0 rg BT 142.42 345.60 Td (states, ) Tj ET Q q 0 0 0 rg BT 169.77 345.60 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 231.56 345.60 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 269.76 345.60 Td (and ) Tj ET Q q 0 0 0 rg BT 286.83 345.60 Td (universities, ) Tj ET Q q 0 0 0 rg BT 338.07 345.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 381.24 345.60 Td (that ) Tj ET Q q 0 0 0 rg BT 398.87 345.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 437.05 345.60 Td (by ) Tj ET Q q 0 0 0 rg BT 449.68 345.60 Td (the ) Tj ET Q q 0 0 0 rg BT 464.53 345.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 507.15 345.60 Td (& ) Tj ET Q q 0 0 0 rg BT 517.57 345.60 Td (Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 333.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.61 333.60 Td (and ) Tj ET Q q 0 0 0 rg BT 108.55 333.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 160.48 333.60 Td (Banking. ) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (JPMor) Tj ET Q q 0 0 0 rg BT 81.79 726.30 Td (gan ) Tj ET Q q 0 0 0 rg BT 102.04 726.30 Td (Chase ) Tj ET Q q 0 0 0 rg BT 134.28 726.30 Td (& ) Tj ET Q q 0 0 0 rg BT 146.54 726.30 Td (Co. ) Tj ET Q q 0 0 0 rg BT 166.46 726.30 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 208.05 726.30 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 236.98 726.30 Td (is ) Tj ET Q q 0 0 0 rg BT 247.90 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 256.14 726.30 Td (leading ) Tj ET Q q 0 0 0 rg BT 294.38 726.30 Td (global ) Tj ET Q q 0 0 0 rg BT 327.30 726.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 372.19 726.30 Td (services ) Tj ET Q q 0 0 0 rg BT 413.76 726.30 Td (firm ) Tj ET Q q 0 0 0 rg BT 437.34 726.30 Td (with ) Tj ET Q q 0 0 0 rg BT 461.59 726.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 492.51 726.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 505.43 726.30 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 529.35 726.30 Td (trillion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 562.01 726.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 69.93 711.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 122.51 711.90 Td (worldwide. ) Tj ET Q q 0 0 0 rg BT 179.25 711.90 Td (The ) Tj ET Q q 0 0 0 rg BT 200.50 711.90 Td (Firm ) Tj ET Q q 0 0 0 rg BT 226.44 711.90 Td (is ) Tj ET Q q 0 0 0 rg BT 237.05 711.90 Td (a ) Tj ET Q q 0 0 0 rg BT 244.97 711.90 Td (leader ) Tj ET Q q 0 0 0 rg BT 276.88 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 288.81 711.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 344.07 711.90 Td (banking, ) Tj ET Q q 0 0 0 rg BT 388.33 711.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.91 711.90 Td (services ) Tj ET Q q 0 0 0 rg BT 474.16 711.90 Td (for ) Tj ET Q q 0 0 0 rg BT 490.75 711.90 Td (consumers ) Tj ET Q q 0 0 0 rg BT 544.67 711.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (small ) Tj ET Q q 0 0 0 rg BT 77.74 697.50 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 133.16 697.50 Td (commercial ) Tj ET Q q 0 0 0 rg BT 191.54 697.50 Td (banking, ) Tj ET Q q 0 0 0 rg BT 234.95 697.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 278.67 697.50 Td (transaction ) Tj ET Q q 0 0 0 rg BT 333.06 697.50 Td (processing, ) Tj ET Q q 0 0 0 rg BT 389.13 697.50 Td (and ) Tj ET Q q 0 0 0 rg BT 408.20 697.50 Td (asset ) Tj ET Q q 0 0 0 rg BT 433.27 697.50 Td (management. ) Tj ET Q q 0 0 0 rg BT 498.94 697.50 Td (A) Tj ET Q q 0 0 0 rg BT 506.94 697.50 Td ( ) Tj ET Q q 0 0 0 rg BT 508.69 697.50 Td (component ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 63.58 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.82 683.10 Td (Dow ) Tj ET Q q 0 0 0 rg BT 108.74 683.10 Td (Jones ) Tj ET Q q 0 0 0 rg BT 138.99 683.10 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 187.77 683.10 Td (A) Tj ET Q q 0 0 0 rg BT 195.54 683.10 Td (verage, ) Tj ET Q q 0 0 0 rg BT 234.10 683.10 Td (JPMor) Tj ET Q q 0 0 0 rg BT 265.89 683.10 Td (gan ) Tj ET Q q 0 0 0 rg BT 286.80 683.10 Td (Chase ) Tj ET Q q 0 0 0 rg BT 319.71 683.10 Td (& ) Tj ET Q q 0 0 0 rg BT 332.63 683.10 Td (Co. ) Tj ET Q q 0 0 0 rg BT 353.22 683.10 Td (serves ) Tj ET Q q 0 0 0 rg BT 386.79 683.10 Td (millions ) Tj ET Q q 0 0 0 rg BT 429.71 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.29 683.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 498.20 683.10 Td (in ) Tj ET Q q 0 0 0 rg BT 511.11 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.36 683.10 Td (United ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (States ) Tj ET Q q 0 0 0 rg BT 81.39 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 101.45 668.70 Td (many ) Tj ET Q q 0 0 0 rg BT 130.84 668.70 Td (of ) Tj ET Q q 0 0 0 rg BT 143.56 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 160.95 668.70 Td (world's ) Tj ET Q q 0 0 0 rg BT 198.51 668.70 Td (most ) Tj ET Q q 0 0 0 rg BT 224.58 668.70 Td (prominent ) Tj ET Q q 0 0 0 rg BT 276.63 668.70 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 327.66 668.70 Td (institutional ) Tj ET Q q 0 0 0 rg BT 387.73 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 407.78 668.70 Td (government ) Tj ET Q q 0 0 0 rg BT 467.83 668.70 Td (clients ) Tj ET Q q 0 0 0 rg BT 501.88 668.70 Td (under ) Tj ET Q q 0 0 0 rg BT 531.93 668.70 Td (its ) Tj ET Q q 0 0 0 rg BT 546.00 668.70 Td (J.P) Tj ET Q q 0 0 0 rg BT 559.01 668.70 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 654.30 Td (Mor) Tj ET Q q 0 0 0 rg BT 70.45 654.30 Td (gan ) Tj ET Q q 0 0 0 rg BT 99.76 654.30 Td (and ) Tj ET Q q 0 0 0 rg BT 129.08 654.30 Td (Chase ) Tj ET Q q 0 0 0 rg BT 170.39 654.30 Td (brands. ) Tj ET Q q 0 0 0 rg BT 217.37 654.30 Td (Information ) Tj ET Q q 0 0 0 rg BT 286.67 654.30 Td (about ) Tj ET Q q 0 0 0 rg BT 325.32 654.30 Td (JPMor) Tj ET Q q 0 0 0 rg BT 357.11 654.30 Td (gan ) Tj ET Q q 0 0 0 rg BT 386.43 654.30 Td (Chase ) Tj ET Q q 0 0 0 rg BT 427.74 654.30 Td (& ) Tj ET Q q 0 0 0 rg BT 449.06 654.30 Td (Co. ) Tj ET Q q 0 0 0 rg BT 478.05 654.30 Td (is ) Tj ET Q q 0 0 0 rg BT 498.04 654.30 Td (available ) Tj ET Q q 0 0 0 rg BT 553.34 654.30 Td (at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 654.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 50.00 639.90 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 75.22 639.90 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 106.67 639.90 Td (ganchase.com.) 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675.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 416.00 675.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 675.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 675.68 Td (47,447) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 675.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 675.68 Td (50,333) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 675.68 Td (\(6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 675.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 576.00 675.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 667.68 Td (Total noninterest expense) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.60 667.68 Td (15,431) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.60 667.68 Td (14,636) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 667.68 Td (15,866) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 667.68 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 667.68 Td (\(3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 667.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 667.68 Td (30,067) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 667.68 Td (31,289) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 667.68 Td (\(4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 667.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 659.68 Td (Pre-provision profit) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 659.68 Td (9,023) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 659.68 Td (8,357) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 659.68 Td (9,345) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 659.68 Td (8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 659.68 Td (\(3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 659.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 659.68 Td (17,380) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 659.68 Td (19,044) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 659.68 Td (\(9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 659.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 651.68 Td (Provision for credit losses) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 651.68 Td (692) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 651.68 Td (850) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 651.68 Td (47) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 651.68 Td (\(19) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 651.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 651.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 651.68 Td (1,542) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 511.95 651.68 Td (664) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 560.95 651.68 Td (132) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 643.68 Td (NET INCOME) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 643.68 Td (5,985) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 643.68 Td (5,274) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 643.68 Td (6,496) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 643.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 643.68 Td (\(8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 643.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 643.68 Td (11,259) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 643.68 Td (13,025) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 643.68 Td (\(14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 643.68 Td (\)) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 631.68 Td (Managed Basis \(a\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 623.68 Td (Total net revenue) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.60 623.68 Td (25,349) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.60 623.68 Td (23,863) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 623.68 Td (25,958) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 623.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 623.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 623.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 623.68 Td (49,212) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 623.68 Td (51,806) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 623.68 Td (\(5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 623.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 615.68 Td (Total noninterest expense) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.60 615.68 Td (15,431) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.60 615.68 Td (14,636) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 615.68 Td (15,866) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 615.68 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 615.68 Td (\(3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 615.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 615.68 Td (30,067) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 615.68 Td (31,289) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 615.68 Td (\(4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 615.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 607.68 Td (Pre-provision profit) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 607.68 Td (9,918) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 607.68 Td (9,227) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 607.68 Td (10,092) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 607.68 Td (7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 607.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 607.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 607.68 Td (19,145) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 607.68 Td (20,517) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 607.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 607.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 599.68 Td (Provision for credit losses) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 599.68 Td (692) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 599.68 Td (850) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 599.68 Td (47) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 599.68 Td (\(19) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 599.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 599.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 599.68 Td (1,542) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 511.95 599.68 Td (664) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 560.95 599.68 Td (132) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 591.68 Td (NET INCOME) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 591.68 Td (5,985) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 591.68 Td (5,274) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 591.68 Td (6,496) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 591.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 591.68 Td (\(8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 591.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 591.68 Td (11,259) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 591.68 Td (13,025) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 591.68 Td (\(14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 591.68 Td (\)) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 579.23115234375 m 134.9990234375 579.23115234375 l s q 0 0 0 rg BT 53.00 580.18 Td (PER COMMON SHARE DATA) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 571.68 Td (Net income: Basic) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 571.68 Td (1.47) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 571.68 Td (1.29) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 571.68 Td (1.61) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 571.68 Td (14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 571.68 Td (\(9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 571.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 571.68 Td (2.77) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 571.68 Td (3.22) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 571.68 Td (\(14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 571.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 563.68 Td ( Diluted) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 563.68 Td (1.46) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 563.68 Td (1.28) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 563.68 Td (1.60) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 563.68 Td (14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 563.68 Td (\(9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 563.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 563.68 Td (2.74) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 563.68 Td (3.19) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 563.68 Td (\(14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 563.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 555.68 Td (Cash dividends declared) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 555.68 Td (0.40) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 555.68 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 555.68 Td (0.38) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 555.68 Td (0.38) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 555.68 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 555.68 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 555.68 Td (0.78) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 555.68 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 555.68 Td (0.68) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 527.00 555.68 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 555.68 Td (15) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 547.68 Td (Book value) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 547.68 Td (55.53) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 547.68 Td (54.05) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 547.68 Td (52.48) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 547.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 547.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 547.68 Td (55.53) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 547.68 Td (52.48) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 547.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 539.68 Td (Tangible book value \(b\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 539.68 Td (43.17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 539.68 Td (41.73) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 539.68 Td (39.97) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 539.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 539.68 Td (8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 539.68 Td (43.17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 539.68 Td (39.97) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 539.68 Td (8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 527.68 Td (Closing share price \(c\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 527.68 Td (57.62) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 527.68 Td (60.71) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 527.68 Td (52.79) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 527.68 Td (\(5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 527.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 527.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 527.68 Td (57.62) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 527.68 Td (52.79) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 527.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 519.68 Td (Market capitalization) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 519.68 Td (216,725) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 519.68 Td (229,770) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 519.68 Td (198,966) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 519.68 Td (\(6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 519.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 519.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 519.68 Td (216,725) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 519.68 Td (198,966) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 519.68 Td (9) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 507.68 Td (COMMON SHARES OUTSTANDING) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 499.68 Td (Average: Basic) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 210.95 499.68 Td (3,780.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 264.95 499.68 Td (3,787.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 318.95 499.68 Td (3,782.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 499.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.95 499.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.95 499.68 Td (3,783.9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.95 499.68 Td (3,800.3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 499.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 491.68 Td ( Diluted) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 210.95 491.68 Td (3,812.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 264.95 491.68 Td (3,823.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 318.95 491.68 Td (3,814.3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 491.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.95 491.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.95 491.68 Td (3,818.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.95 491.68 Td (3,830.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 491.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 483.68 Td (Common shares at period-end) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 210.95 483.68 Td (3,761.3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 264.95 483.68 Td (3,784.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 318.95 483.68 Td (3,769.0) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 483.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 483.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.95 483.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.95 483.68 Td (3,761.3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.95 483.68 Td (3,769.0) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 483.68 Td (? Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 471.23115234375 m 118.4375 471.23115234375 l s q 0 0 0 rg BT 53.00 472.18 Td (FINANCIAL RATIOS \(d\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 463.68 Td (Return on common equity \("ROE"\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 463.68 Td (11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 463.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 290.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 463.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 344.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 463.68 Td (11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 463.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 527.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 455.68 Td (Return on tangible common equity \("ROTCE"\) \(b\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 455.68 Td (14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 455.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 455.68 Td (17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 455.68 Td (14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 455.68 Td (17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 447.68 Td (Return on assets) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 447.68 Td (0.99) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 447.68 Td (0.89) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 447.68 Td (1.09) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 447.68 Td (0.94) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 447.68 Td (1.11) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 435.23115234375 m 111.3330078125 435.23115234375 l s q 0 0 0 rg BT 53.00 436.18 Td (CAPITAL RATIOS \(e\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 427.68 Td (Common Equity Tier 1 \(CET1\) capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 222.65 427.68 Td (9.8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 427.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 427.68 Td (10.9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 427.68 Td (10.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 460.65 427.68 Td (9.8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 427.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 427.68 Td (10.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 419.68 Td (Tier 1 capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 419.68 Td (11.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 419.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 419.68 Td (12.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 419.68 Td (11.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 419.68 Td (11.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 419.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 419.68 Td (11.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 411.68 Td (Total capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 411.68 Td (12.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 411.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 411.68 Td (14.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 411.68 Td (14.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 411.68 Td (12.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 411.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 411.68 Td (14.1) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 399.23115234375 m 171.013671875 399.23115234375 l s q 0 0 0 rg BT 53.00 400.18 Td (95% CONFIDENCE LEVEL- TOTAL VaR \(f\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 391.68 Td (Average VaR) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 391.68 Td (55) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 391.68 Td (42) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 391.68 Td (45) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 391.68 Td (31) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 391.68 Td (22) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 391.68 Td (49) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 391.68 Td (59) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 391.68 Td (\(17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 391.68 Td (\)) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 378.68115234375 m 178.888671875 378.68115234375 l s q 0 0 0 rg BT 53.00 379.63 Td (SELECTED BALANCE SHEET DATA \(period-) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 372.68115234375 m 65.6650390625 372.68115234375 l s q 0 0 0 rg BT 53.00 373.63 Td (end\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 364.68 Td (Total assets) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 204.25 364.68 Td (2,520,336) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 258.30 364.68 Td (2,476,986) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 312.30 364.68 Td (2,439,494) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 364.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 364.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 442.30 364.68 Td (2,520,336) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 495.30 364.68 Td (2,439,494) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 364.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 356.68 Td (Loans:) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 348.68 Td (Consumer, excluding credit card loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 348.68 Td (289,178) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 348.68 Td (288,168) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 348.68 Td (288,096) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 348.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.95 348.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 348.68 Td (289,178) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 348.68 Td (288,096) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 348.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 340.68 Td (Credit card loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 340.68 Td (126,129) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 340.68 Td (121,816) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 340.68 Td (124,288) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 340.68 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 340.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 340.68 Td (126,129) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 340.68 Td (124,288) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 340.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 332.68 Td (Wholesale loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 332.68 Td (331,676) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 332.68 Td (320,987) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 332.68 Td (313,202) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 332.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 332.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 332.68 Td (331,676) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 332.68 Td (313,202) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 332.68 Td (6) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 65.00 324.68 Td (Total Loans) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 209.25 324.68 Td (746,983) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 263.30 324.68 Td (730,971) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 317.30 324.68 Td (725,586) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 324.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 324.68 Td (3) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 447.30 324.68 Td (746,983) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 500.30 324.68 Td (725,586) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 324.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 316.68 Td (Deposits) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 204.25 316.68 Td (1,319,751) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 258.30 316.68 Td (1,282,705) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 312.30 316.68 Td (1,202,950) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 316.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 316.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 442.30 316.68 Td (1,319,751) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 495.30 316.68 Td (1,202,950) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 316.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 308.68 Td (Long-term debt \(g\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 308.68 Td (269,929) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 308.68 Td (274,512) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 308.68 Td (266,212) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 308.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 308.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 308.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 308.68 Td (269,929) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 308.68 Td (266,212) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 308.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 300.68 Td (Common stockholders' equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 300.68 Td (208,851) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 300.68 Td (204,572) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 300.68 Td (197,781) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 300.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 300.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 300.68 Td (208,851) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 300.68 Td (197,781) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 300.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 292.68 Td (Total stockholders' equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 292.68 Td (227,314) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 292.68 Td (219,655) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 292.68 Td (209,239) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 292.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 292.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 292.68 Td (227,314) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 292.68 Td (209,239) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 292.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 280.68 Td (Loans-to-deposits ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 280.68 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 280.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 280.68 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 290.00 280.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 280.68 Td (60) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 344.00 280.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 280.68 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 280.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 280.68 Td (60) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 527.00 280.68 Td (%) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 268.68 Td (Headcount) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 268.68 Td (245,192) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 268.68 Td (246,994) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 268.68 Td (254,063) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 268.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 268.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 268.68 Td (\(3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 268.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 268.68 Td (245,192) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 268.68 Td (254,063) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 268.68 Td (\(3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 268.68 Td (\)) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 255.68115234375 m 148.3408203125 255.68115234375 l s q 0 0 0 rg BT 53.00 256.63 Td (LINE OF BUSINESS NET INCOME) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 247.68 Td (Consumer & Community Banking) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 247.68 Td (2,443) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 247.68 Td (1,936) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 247.68 Td (3,089) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 247.68 Td (26) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 402.30 247.68 Td (\(21) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 247.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 247.68 Td (4,379) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 247.68 Td (5,675) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 247.68 Td (\(23) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 247.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 239.68 Td (Corporate & Investment Bank) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 239.68 Td (1,963) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 239.68 Td (1,979) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 239.68 Td (2,838) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 239.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 239.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 402.30 239.68 Td (\(31) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 239.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 239.68 Td (3,942) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 239.68 Td (5,448) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 239.68 Td (\(28) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 239.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 231.68 Td (Commercial Banking) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 231.68 Td (658) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 231.68 Td (578) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 231.68 Td (621) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 231.68 Td (14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 231.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 231.68 Td (1,236) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 231.68 Td (1,217) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 231.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 223.68 Td (Asset Management) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 223.68 Td (552) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 223.68 Td (441) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 223.68 Td (500) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 223.68 Td (25) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 223.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 458.95 223.68 Td (993) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 511.95 223.68 Td (987) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 223.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 215.68 Td (Corporate/Private Equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 215.68 Td (369) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 215.68 Td (340) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 326.95 215.68 Td (\(552) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 215.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 215.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 215.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 458.95 215.68 Td (709) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 509.95 215.68 Td (\(302) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 522.00 215.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 560.65 215.68 Td (NM? Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 207.68 Td (NET INCOME) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 196.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 215.95 207.68 Td (5,985) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 250.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 269.95 207.68 Td (5,274) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 304.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 323.95 207.68 Td (6,496) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 207.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 207.68 Td (\(8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 207.68 Td (\)) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 434.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 450.60 207.68 Td (11,259) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 488.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 503.60 207.68 Td (13,025) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 207.68 Td (\(14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 207.68 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 195.00 Td (\(a\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 195.00 Td (For a further discussion of managed basis, see) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 192.73 195.00 Td ( Note \(a\) on page 12.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 189.00 Td (\(b\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 189.00 Td (T) Tj ET Q q 0 0 0 rg BT 71.00 189.00 Td (angible book value per share and ROTCE are non-GAAP) Tj ET Q q 0 0 0 rg BT 222.98 189.00 Td ( financial measures. ) Tj ET Q q 0 0 0 rg BT 277.89 189.00 Td (T) Tj ET Q q 0 0 0 rg BT 280.89 189.00 Td (angible book value per share represents tangible common equity divided by period-end common shares. ROTCE ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 183.00 Td (measures the Firm's annualized earnings as a percentage of tangible common equity) Tj ET Q q 0 0 0 rg BT 293.49 183.00 Td (. For further discussion of these measures, see page 35) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 441.90 183.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 177.00 Td (\(c\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 177.00 Td (Share price shown is from the New ) Tj ET Q q 0 0 0 rg BT 162.60 177.00 Td (Y) Tj ET Q q 0 0 0 rg BT 166.05 177.00 Td (ork Stock Exchange. ) Tj ET Q q 0 0 0 rg BT 222.63 177.00 Td (The common stock is also listed and traded on the London Stock Exchange and the ) Tj ET Q q 0 0 0 rg BT 446.33 177.00 Td (T) Tj ET Q q 0 0 0 rg BT 449.33 177.00 Td (okyo Stock Exchange.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 508.70 177.00 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 171.00 Td (\(d\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 171.00 Td (Ratios are based upon annualized amounts.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 185.41 171.00 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 165.00 Td (\(e\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 165.00 Td (Basel III ) Tj ET Q q 0 0 0 rg BT 91.24 165.00 Td (T) Tj ET Q q 0 0 0 rg BT 94.68 165.00 Td (ransitional rules became ef) Tj ET Q q 0 0 0 rg BT 166.27 165.00 Td (fective on January 1, 2014; all prior period data is based on Basel I rules. Beginning with the second quarter of 2014, the capital ratios represent the Collins ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 159.00 Td (Floor) Tj ET Q q 0 0 0 rg BT 81.34 159.00 Td (, as calculated under the Basel III ) Tj ET Q q 0 0 0 rg BT 171.62 159.00 Td (T) Tj ET Q q 0 0 0 rg BT 175.06 159.00 Td (ransitional rules. See footnote \(a\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.44 159.00 Td ( on page 33 of the Earnings Release Financial Supplement ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 421.88 159.00 Td (for additional information on Basel III and the Collins Floor) Tj ET Q q 0 0 0 rg BT 575.63 159.00 Td (. ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 153.00 Td (Under Basel I CET1 represents ) Tj ET Q q 0 0 0 rg BT 152.93 153.00 Td (T) Tj ET Q q 0 0 0 rg BT 156.37 153.00 Td (ier 1 common capital. Prior to Basel III becoming ef) Tj ET Q q 0 0 0 rg BT 291.99 153.00 Td (fective on January 1, 2014, ) Tj ET Q q 0 0 0 rg BT 365.59 153.00 Td (T) Tj ET Q q 0 0 0 rg BT 369.04 153.00 Td (ier 1 common capital was a non-GAAP) Tj ET Q q 0 0 0 rg BT 471.97 153.00 Td ( financial measure. For further discussion of ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 147.00 Td (T) Tj ET Q q 0 0 0 rg BT 71.44 147.00 Td (ier 1 common capital, see page 35) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 163.16 147.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 141.00 Td (\(f\) ) Tj ET Q q 0 0 0 rg BT 68.00 141.00 Td (The increase inaverage V) Tj ET Q q 0 0 0 rg BT 137.59 141.00 Td (aR during the three months ended June 30, 2014 was due to a change in the MSR hedge position in Mortgage Banking in advance of an anticipated update to certain ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 135.00 Td (MSR model assumptions. When such updates were implemented, V) Tj ET Q q 0 0 0 rg BT 248.64 135.00 Td (aR decreased to prior levels. ) Tj ET Q q 0 0 0 rg BT 326.57 135.00 Td (The MSR model and assumptions are continuously evaluated and periodically updated to reflect ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 129.00 Td (recent market behavior) Tj ET Q q 0 0 0 rg BT 129.03 129.00 Td (.Mortgage Banking average V) Tj ET Q q 0 0 0 rg BT 209.64 129.00 Td (aR was $20 million, $5 million and $15 million for the three months ended June 30, 2014, March 31, 2014 and June 30, 2013, respectively) Tj ET Q q 0 0 0 rg BT 575.08 129.00 Td (, and ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 123.00 Td ($13 million and $17 million for the six months ended June 30, 2014 and June 30, 2013, respectively) Tj ET Q q 0 0 0 rg BT 331.72 123.00 Td (. For information regarding CIB V) Tj ET Q q 0 0 0 rg BT 420.98 123.00 Td (aR, see Corporate and Investment Bank on page 21 of the ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 117.00 Td (Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 111.00 Td (\(g\) ) Tj ET Q q 0 0 0 rg BT 68.00 111.00 Td (Included unsecured long-term debt of $205.6 billion, $206.1 billion and $199.1 billion for the periods ended ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 351.87 111.00 Td (June?0, 2014) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 389.90 111.00 Td (, ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 393.23 111.00 Td (March 31, 2014) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.93 111.00 Td ( and ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.27 111.00 Td (June?0, 2013) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 486.30 111.00 Td (, respectively) Tj ET Q q 0 0 0 rg BT 520.87 111.00 Td (.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 105.00 Td (\(h\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 105.00 Td (On May 20, 2014, the Board of Directors increased the quarterly common stock dividend from $0.38 to $0.40 per share.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 385.17 105.00 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 386.83 105.00 Td (On May 21, 2013, the Board increased the quarterly common stock dividend ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 99.00 Td (from $0.30 to $0.38 per share.) Tj ET Q BT /F6 6.00 Tf ET BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 93.00 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 68.00 93.00 Td (Estimated.) Tj ET Q /GS0 gs q 186.00 0 0 13.00 400.00 732.28 cm /I76 Do Q endstream endobj 33 0 obj <> /View <>>>>> endobj 34 0 obj <> /View <>>>>> endobj 35 0 obj <> endobj 36 0 obj <> stream xy\E?~nM{{wޑ?d??2? 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