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Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 761.26 Td (270 Park ) Tj ET Q q 0 0 0 rg BT 50.00 761.26 Td (A) Tj ET Q q 0 0 0 rg BT 55.83 761.26 Td (venue, New ) Tj ET Q q 0 0 0 rg BT 100.73 761.26 Td (Y) Tj ET Q q 0 0 0 rg BT 106.33 761.26 Td (ork, NY) Tj ET Q q 0 0 0 rg BT 135.49 761.26 Td ( 10017-2070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 752.26 Td (NYSE symbol: JPM) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 16 742.06005859375 m 109.2255859375 742.06005859375 l s q 0 0 1 rg BT 16.00 743.26 Td (www) Tj ET Q q 0 0 1 rg BT 34.91 743.26 Td (.jpmor) Tj ET Q q 0 0 1 rg BT 58.50 743.26 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 16.5 49 m 305.5 49 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 49 m 594.5 49 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 19.00 40.26 Td (Investor Contact: Sarah ) Tj ET Q q 0 0 0 rg BT 105.89 40.26 Td (Y) Tj ET Q q 0 0 0 rg BT 111.49 40.26 Td (oungwood \(212\) 270-7325) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 19.00 29.82 Td ( 1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 22.41 26.65 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 90.79 26.65 Td ( financial measures, including managed basis reporting, see page 5.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 19.00 18.70 Td ( For additional notes see page 6.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 40.26 Td (Media Contact: Joe Evangelisti \(212\) 270-7438) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 18.00 722.80 Td (News release: IMMEDIA) Tj ET Q q 0 0 0 rg BT 109.97 722.80 Td (TE RELEASE) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 132.30 709.00 Td (JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 264.17 709.00 Td (TS SECOND-QUAR) Tj ET Q q 0 0 0 rg BT 353.00 709.00 Td (TER 2015 NET) Tj ET Q q 0 0 0 rg BT 418.94 709.00 Td ( INCOME OF) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.85 693.20 Td ($6.3 BILLION, OR $1.54 PER SHARE, ON REVENUE) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 380.49 697.73 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.74 693.20 Td ( OF) Tj ET Q q 0 0 0 rg BT 399.76 693.20 Td ( $24.5 BILLION ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.40 677.40 Td (14% RETURN ON ) Tj ET Q q 0 0 0 rg BT 273.95 677.40 Td (T) Tj ET Q q 0 0 0 rg BT 279.87 677.40 Td (ANGIBLE COMMON EQUITY) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 419.33 681.93 Td (1) Tj ET Q 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 62.00 664.90 111.00 -32.00 re f /GS0 gs 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 182.00 664.90 125.00 -32.00 re f /GS0 gs 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 317.00 664.90 111.00 -32.00 re f /GS0 gs 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 438.00 664.90 111.00 -32.00 re f /GS0 gs BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 97.65 651.32 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 132.65 656.09 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 106.95 641.32 Td (14%) Tj ET Q BT /F3 10.00 Tf ET 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 187.05 658.60 104.83 -9.38 re f /GS0 gs q 1 1 1 rg BT 187.05 651.32 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 271.31 651.32 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 291.88 663.37 9.03 -9.38 re f /GS0 gs BT /F3 6.50 Tf ET q 1 1 1 rg BT 291.88 656.09 Td (1,2) Tj ET Q BT /F4 10.00 Tf ET 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 230.05 648.60 27.80 -9.38 re f /GS0 gs q 1 1 1 rg BT 230.05 641.32 Td (1) Tj ET Q q 1 1 1 rg BT 235.06 641.32 Td (1.0%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 334.90 651.32 Td (Overhead ratio) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 405.48 656.09 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 361.95 641.32 Td (59%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 451.35 651.32 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 511.16 651.32 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 525.60 656.09 Td (3,4) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 482.95 641.32 Td (52%) Tj ET Q BT /F1 6.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 550.50 633.40 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 615.40 Td (STRONG PERFORMANCE IN ) Tj ET Q q 0 0 0 rg BT 143.59 615.40 Td (THE SECOND-QUAR) Tj ET Q q 0 0 0 rg BT 231.53 615.40 Td (TER) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 250.04 619.48 Td (5) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 21.00 604.90 68.00 -50.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 544.90 68.00 -22.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 522.90 68.00 -16.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 506.90 68.00 -21.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 21.00 475.90 68.00 -22.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 21.00 453.90 68.00 -16.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 21.00 437.90 68.00 -14.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 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Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 576.64 cm /I2 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 578.76 Td (Loans-to-deposits ratio of 61%, up 5% QoQ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 560.64 cm /I3 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 561.76 Td (Core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 141.24 565.84 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.17 561.76 Td ( up 12% ) Tj ET Q q 0 0 0 rg BT 176.08 561.76 Td (Y) Tj ET Q q 0 0 0 rg BT 181.68 561.76 Td (oY) Tj ET Q q 0 0 0 rg BT 192.34 561.76 Td ( and 5% QoQ) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 43.65 527.52 Td (CCB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 532.64 cm /I4 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 536.16 Td (Consumer & Business Banking average deposits up) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 525.36 Td (9%; record client investment assets, up 8%) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 31.80 511.13 Td (ROE of 19%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 510.04 cm /I5 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 512.76 Td (Over 21 million active mobile customers, up 22%) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 34.45 498.58 Td (OH of 56%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 494.64 cm /I6 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 498.16 Td (Credit card sales volume) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 191.72 502.24 Td (7 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.11 498.16 Td (up 7% and Merchant ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 487.41 Td (processing volume up 12%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 45.85 458.52 Td (CIB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 463.64 cm /I7 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 467.16 Td (Maintained #1 ranking for Global Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 456.36 Td (Banking fees with 8.2% wallet share for 2Q15) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 31.80 442.13 Td (ROE of 14%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 441.64 cm /I8 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 445.16 Td (#1 wallet share in North America and EMEA and #2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 434.36 Td (in Asia in 2Q15) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 34.45 429.58 Td (OH of 59%) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 47.25 402.52 Td (CB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 401.04 cm /I9 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 403.76 Td (Average loan balances up 11% YoY, and 4% QoQ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 31.80 386.13 Td (ROE of 14%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 385.64 cm /I10 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 389.16 Td (Gross investment banking revenue with Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 378.36 Td (Banking clients up 22%) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 34.45 373.58 Td (OH of 40%) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 46.70 340.52 Td (AM) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 345.64 cm /I11 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 349.16 Td (Twenty-fifth consecutive quarter of positive net long-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 338.36 Td (term flows to assets under management) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 31.80 324.13 Td (ROE of 19%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 323.04 cm /I12 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 325.76 Td (Record average loan balances, up 9%) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 34.45 311.58 Td (OH of 76%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 307.04 cm /I13 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 309.76 Td (Record assets under management, up 4%) Tj ET Q BT /F1 10.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 329.50 615.70 240.00 -311.00 re f /GS0 gs 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 615.7 m 329.5 304.7 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 569.5 615.7 m 569.5 304.7 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 615.7 m 569.5 615.7 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 304.7 m 569.5 304.7 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 580.51 Td (Jamie Dimon, Chairman and CEO, commented on the financial ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 570.16 Td (results:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 549.45 Td (Our Company had str) Tj ET Q q 0 0 0 rg BT 415.43 549.45 Td (ong r) Tj ET Q q 0 0 0 rg BT 434.34 549.45 Td (esults this quarter) Tj ET Q q 0 0 0 rg BT 498.35 549.45 Td (, and each of our ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 537.05 Td (businesses performed well, with br) Tj ET Q q 0 0 0 rg BT 456.91 537.05 Td (oad and consistent underlying ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 524.65 Td (gr) Tj ET Q q 0 0 0 rg BT 339.67 524.65 Td (owth. This quarter was another example of the power of our ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 512.20 Td (platform and risk discipline, and of being ther) Tj ET Q q 0 0 0 rg BT 497.66 512.20 Td (e for our clients ?) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 499.80 Td (as we always ar) Tj ET Q q 0 0 0 rg BT 389.42 499.80 Td (e ?in good times and in volatile markets.? Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 466.36 Td (Dimon added:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 443.60 Td (W) Tj ET Q q 0 0 0 rg BT 343.68 443.60 Td (e ar) Tj ET Q q 0 0 0 rg BT 357.59 443.60 Td (e focused on executing on our commitments and weve ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 431.20 Td (made good pr) Tj ET Q q 0 0 0 rg BT 381.66 431.20 Td (ogr) Tj ET Q q 0 0 0 rg BT 393.83 431.20 Td (ess this quarter) Tj ET Q q 0 0 0 rg BT 448.34 431.20 Td (, including meeting r) Tj ET Q q 0 0 0 rg BT 522.99 431.20 Td (egulatory ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 418.75 Td (r) Tj ET Q q 0 0 0 rg BT 335.17 418.75 Td (equir) Tj ET Q q 0 0 0 rg BT 353.83 418.75 Td (ements, r) Tj ET Q q 0 0 0 rg BT 386.49 418.75 Td (educing non-operating deposits, and adding to ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 406.35 Td (our capital.W) Tj ET Q q 0 0 0 rg BT 382.92 406.35 Td (e ar) Tj ET Q q 0 0 0 rg BT 396.83 406.35 Td (e also on tar) Tj ET Q q 0 0 0 rg BT 441.75 406.35 Td (get to deliver on our expense ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 393.95 Td (commitments. W) Tj ET Q q 0 0 0 rg BT 390.66 393.95 Td (e continue to add value to our customers, clients ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 381.50 Td (and communities, and, as always, we operate with fortr) Tj ET Q q 0 0 0 rg BT 531.41 381.50 Td (ess ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 369.10 Td (principles.") Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 280.1 m 593.5 280.1 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 259.80 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 259.80 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 242.15 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 244.00 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 244.00 Td (T) Tj ET Q q 0 0 0 rg BT 34.87 244.00 Td (angible book value per share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 138.33 248.08 Td (1,8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 145.64 244.00 Td ( of $46.13, up 7% ) Tj ET Q q 0 0 0 rg BT 212.05 244.00 Td (Y) Tj ET Q q 0 0 0 rg BT 217.65 244.00 Td (oY) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 226.35 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 228.20 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 228.20 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 228.20 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 228.20 Td (ier 1) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 143.24 232.28 Td (1,2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 152.01 228.20 Td (of $169 billion; ratio of 1) Tj ET Q q 0 0 0 rg BT 242.92 228.20 Td (1.0%) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 261.67 232.28 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.59 228.20 Td ( ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 210.55 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 212.40 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 212.40 Td (Compliant with U.S. LCR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 124.26 216.48 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 127.18 212.40 Td ( ?HQLA) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 161.18 216.48 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 167.03 212.40 Td ( of $532 billion) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 194.75 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 196.60 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 196.60 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 200.68 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 196.60 Td ( of 6.0% and Bank SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 155.18 200.68 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 158.10 196.60 Td ( of 6.1%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 178.15 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 178.15 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 163.50 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 165.35 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 165.35 Td (Adjusted expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 93.73 169.43 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 96.66 165.35 Td ( of $14.2 billion and adjusted overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 256.12 169.43 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.04 165.35 Td ( of 58%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 144.95 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 45.33 144.95 Td (AL) Tj ET Q q 0 0 0 rg BT 57.34 144.95 Td ( RETURN) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 128.65 cm /I19 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 130.50 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 130.50 Td (Approximately $2.6 billion returned to shareholders) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 217.46 134.58 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.38 130.50 Td ( in the second quarter) Tj ET Q /GS0 gs q 6.72 0 0 9.78 27.00 111.25 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 33.72 113.10 Td ( ) Tj ET Q q 0 0 0 rg BT 36.00 113.10 Td ($1.0 billion of net repurchases and record common dividend of $0.44 per ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 36.00 100.70 Td (share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 258.15 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 258.15 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 242.45 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 244.30 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 244.30 Td ($1 trillion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 244.30 Td ( of credit and capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 429.71 248.38 Td (1) Tj ET Q BT /F1 5.85 Tf ET q 0 0 0 rg BT 432.42 248.38 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.35 244.30 Td ( raised in the first six months of 2015) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 229.55 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 231.40 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 231.40 Td ($1) Tj ET Q q 0 0 0 rg BT 339.50 231.40 Td (15 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.27 231.40 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 216.65 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 218.50 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 218.50 Td ($1) Tj ET Q q 0 0 0 rg BT 339.50 218.50 Td (1 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.77 218.50 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 203.80 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 205.65 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 205.65 Td ($314 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.76 205.65 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 190.90 cm /I25 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 192.75 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 192.75 Td ($556 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.76 192.75 Td ( of capital raised for clients) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 178.05 cm /I26 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 179.90 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 179.90 Td ($35 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.26 179.90 Td ( of credit and capital raised for nonprofit and government ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 168.00 Td (entities, including states, municipalities, hospitals and universities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 149.25 cm /I27 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 151.10 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 151.10 Td (Hired over ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.98 151.10 Td (9,100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.23 151.10 Td ( U.S. veterans and service members since 201) Tj ET Q q 0 0 0 rg BT 544.10 151.10 Td (1) Tj ET Q /GS0 gs q 208.00 0 0 15.00 386.00 761.52 cm /I28 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (In the discussion below of JPMor) Tj ET Q q 0 0 0 rg BT 183.28 742.10 Td (gan Chase as a Firm and of its business segments, information is pr) Tj ET Q q 0 0 0 rg BT 454.87 742.10 Td (esented on a managed) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (basis. For mor) Tj ET Q q 0 0 0 rg BT 108.30 730.10 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 364.22 730.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 433.85 730.10 Td (es used by management to) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (evaluate the performance of each line of business, see page 5. Per) Tj ET Q q 0 0 0 rg BT 313.78 718.10 Td (centage comparisons noted in the sections below ar) Tj ET Q q 0 0 0 rg BT 520.33 718.10 Td (e ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (calculated for the second quarter of 2015 versus the prior) Tj ET Q q 0 0 0 rg BT 281.21 706.10 Td (-year second quarter) Tj ET Q q 0 0 0 rg BT 363.97 706.10 Td (, unless otherwise specified. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 695.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 687.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 680.50 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F2 11.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 189.37 692.93 3.57 -9.82 re f /GS0 gs BT /F2 7.15 Tf ET q 1 1 1 rg BT 189.37 685.48 Td (8) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 665.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 665.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 665.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 665.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 665.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 665.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 665.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 665.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 665.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 665.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 649.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 649.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 649.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 649.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 649.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 649.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 649.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 649.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 649.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 649.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 649.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 649.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 585.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 585.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 585.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 585.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 585.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 585.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 585.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 585.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 585.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 585.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 585.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 585.60 45.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 649.6 m 423 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 649.6 m 468 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 649.6 m 472 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 649.6 m 517 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 649.6 m 562 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 633.6 m 213 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 633.6 m 264 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 633.6 m 268 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 633.6 m 319 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 633.6 m 323 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 633.6 m 374 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 633.6 m 378 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 633.6 m 423 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 633.6 m 468 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 633.6 m 472 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 633.6 m 517 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 633.6 m 562 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 633.6 m 264 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 633.6 m 319 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 633.6 m 374 633.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 585.6 m 213 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 569.6 m 213 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 585.6 m 264 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 569.6 m 264 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 585.6 m 268 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 569.6 m 268 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 585.6 m 319 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 569.6 m 319 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 585.6 m 323 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 569.6 m 323 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 585.6 m 374 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 569.6 m 374 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 585.6 m 378 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 569.6 m 378 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 585.6 m 423 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 569.6 m 423 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 585.6 m 468 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 569.6 m 468 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 585.6 m 472 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 569.6 m 472 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 585.6 m 517 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 569.6 m 517 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 585.6 m 562 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 569.6 m 562 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 553.6 m 213 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 553.6 m 264 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 553.6 m 268 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 553.6 m 319 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 553.6 m 323 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 553.6 m 374 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 553.6 m 378 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 553.6 m 423 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 553.6 m 468 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 553.6 m 472 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 553.6 m 517 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 553.6 m 562 553.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 537.6 m 213 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 537.6 m 264 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 537.6 m 268 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 537.6 m 319 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 537.6 m 323 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 537.6 m 374 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 537.6 m 378 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 537.6 m 423 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 537.6 m 468 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 537.6 m 472 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 537.6 m 517 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 537.6 m 562 537.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 654.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 654.27 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 654.27 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 638.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 638.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 638.27 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 638.27 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 638.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 638.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 638.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 638.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 624.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 622.27 Td (24,531) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 622.27 Td (24,820) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 622.27 Td (25,337) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 622.32 Td (\(289) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 622.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 622.27 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 622.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 622.32 Td (\(806) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 622.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 622.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 622.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 608.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 606.27 Td (14,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 606.27 Td (14,883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 606.27 Td (15,431) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 606.32 Td (\(383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 606.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 606.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 606.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 606.32 Td (\(931) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 606.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 606.27 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 606.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 592.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.15 590.27 Td (935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 590.27 Td (959) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 590.27 Td (692) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 590.32 Td (\(24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 590.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 590.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 590.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 590.27 Td (243) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 590.27 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 576.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 574.27 Td (6,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 574.27 Td (5,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 574.27 Td (5,980) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 574.27 Td (376) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 574.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 574.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 574.27 Td (310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 574.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 574.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 560.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 558.27 Td (1.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 558.27 Td (1.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 558.27 Td (1.46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 558.27 Td (0.09) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 558.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 558.27 Td (0.08) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 558.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 544.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 542.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 542.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 542.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 542.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 542.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 542.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 528.50 Td (Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 143.63 528.50 Td ( basis totaled $23.8 billion, $24.1 billion, and $24.7 billion for the second quarter of 2015, first quarter of 2015, and second ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 518.90 Td (quarter of 2014, respectively) Tj ET Q q 0 0 0 rg BT 149.95 518.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 509.30 Td ( ) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 497.30 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 479.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 479.30 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 479.30 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 479.30 Td ($6.3 ) Tj ET Q q 0 0 0 rg BT 136.42 479.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 479.30 Td (up ) Tj ET Q q 0 0 0 rg BT 180.04 479.30 Td (5%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.37 461.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.45 461.30 Td (was ) Tj ET Q q 0 0 0 rg BT 118.43 461.30 Td ($24.5 ) Tj ET Q q 0 0 0 rg BT 143.36 461.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 174.41 461.30 Td (down ) Tj ET Q q 0 0 0 rg BT 199.06 461.30 Td (3%, ) Tj ET Q q 0 0 0 rg BT 217.32 461.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 245.30 461.30 Td (by ) Tj ET Q q 0 0 0 rg BT 257.73 461.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 282.93 461.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 324.24 461.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 360.56 461.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 394.64 461.30 Td (and ) Tj ET Q q 0 0 0 rg BT 411.51 461.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 436.71 461.30 Td (CIB ) Tj ET Q q 0 0 0 rg BT 455.81 461.30 Td (Markets ) Tj ET Q q 0 0 0 rg BT 491.01 461.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 525.09 461.30 Td (related ) Tj ET Q q 0 0 0 rg BT 554.72 461.30 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.30 Td (business ) Tj ET Q q 0 0 0 rg BT 85.89 449.30 Td (simplification, ) Tj ET Q q 0 0 0 rg BT 146.44 449.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 182.26 449.30 Td (of) Tj ET Q q 0 0 0 rg BT 190.41 449.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 207.35 449.30 Td (by ) Tj ET Q q 0 0 0 rg BT 219.85 449.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 250.68 449.30 Td (in ) Tj ET Q q 0 0 0 rg BT 260.40 449.30 Td (Asset ) Tj ET Q q 0 0 0 rg BT 285.13 449.30 Td (Management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 431.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.37 431.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.79 431.30 Td (was ) Tj ET Q q 0 0 0 rg BT 153.56 431.30 Td ($14.5 ) Tj ET Q q 0 0 0 rg BT 179.28 431.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 211.10 431.30 Td (down ) Tj ET Q q 0 0 0 rg BT 236.54 431.30 Td (6%, ) Tj ET Q q 0 0 0 rg BT 255.59 431.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 284.35 431.30 Td (by ) Tj ET Q q 0 0 0 rg BT 297.56 431.30 Td (business ) Tj ET Q q 0 0 0 rg BT 334.67 431.30 Td (simplification, ) Tj ET Q q 0 0 0 rg BT 395.93 431.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 421.92 431.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 444.57 431.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 479.99 431.30 Td (and ) Tj ET Q q 0 0 0 rg BT 497.64 431.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 523.63 431.30 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 419.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 85.89 419.30 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 401.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.56 401.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.84 401.30 Td (for ) Tj ET Q q 0 0 0 rg BT 122.01 401.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.29 401.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 173.69 401.30 Td (was ) Tj ET Q q 0 0 0 rg BT 191.75 401.30 Td ($935 ) Tj ET Q q 0 0 0 rg BT 214.26 401.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 248.16 401.30 Td (up ) Tj ET Q q 0 0 0 rg BT 260.67 401.30 Td (35%, ) Tj ET Q q 0 0 0 rg BT 284.01 401.30 Td (despite ) Tj ET Q q 0 0 0 rg BT 314.85 401.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 340.13 401.30 Td (net ) Tj ET Q q 0 0 0 rg BT 354.85 401.30 Td (char) Tj ET Q q 0 0 0 rg BT 371.88 401.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 392.80 401.30 Td (fs, ) Tj ET Q q 0 0 0 rg BT 405.03 401.30 Td (due ) Tj ET Q q 0 0 0 rg BT 421.98 401.30 Td (to ) Tj ET Q q 0 0 0 rg BT 432.26 401.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 457.54 401.30 Td (reserve ) Tj ET Q q 0 0 0 rg BT 488.92 401.30 Td (releases ) Tj ET Q q 0 0 0 rg BT 523.07 401.30 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 389.30 Td (with ) Tj ET Q q 0 0 0 rg BT 69.48 389.30 Td (the ) Tj ET Q q 0 0 0 rg BT 83.89 389.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 105.53 389.30 Td (year) Tj ET Q q 0 0 0 rg BT 122.19 389.30 Td (. ) Tj ET Q q 0 0 0 rg BT 126.89 389.30 Td (In ) Tj ET Q q 0 0 0 rg BT 137.42 389.30 Td (the ) Tj ET Q q 0 0 0 rg BT 151.83 389.30 Td (current ) Tj ET Q q 0 0 0 rg BT 182.35 389.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 210.26 389.30 Td (, ) Tj ET Q q 0 0 0 rg BT 214.96 389.30 Td (consumer ) Tj ET Q q 0 0 0 rg BT 256.04 389.30 Td (reserve ) Tj ET Q q 0 0 0 rg BT 287.11 389.30 Td (releases ) Tj ET Q q 0 0 0 rg BT 320.95 389.30 Td (of ) Tj ET Q q 0 0 0 rg BT 331.48 389.30 Td ($324 ) Tj ET Q q 0 0 0 rg BT 353.68 389.30 Td (million ) Tj ET Q q 0 0 0 rg BT 384.77 389.30 Td (were ) Tj ET Q q 0 0 0 rg BT 406.40 389.30 Td (lar) Tj ET Q q 0 0 0 rg BT 416.77 389.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 436.18 389.30 Td (of) Tj ET Q q 0 0 0 rg BT 444.33 389.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 460.97 389.30 Td (by ) Tj ET Q q 0 0 0 rg BT 473.17 389.30 Td (an ) Tj ET Q q 0 0 0 rg BT 484.81 389.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 519.76 389.30 Td (in ) Tj ET Q q 0 0 0 rg BT 529.74 389.30 Td (reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.30 Td (across ) Tj ET Q q 0 0 0 rg BT 76.99 377.30 Td (the ) Tj ET Q q 0 0 0 rg BT 91.71 377.30 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 134.19 377.30 Td (businesses ) Tj ET Q q 0 0 0 rg BT 178.91 377.30 Td (of ) Tj ET Q q 0 0 0 rg BT 189.74 377.30 Td ($252 ) Tj ET Q q 0 0 0 rg BT 212.24 377.30 Td (million ) Tj ET Q q 0 0 0 rg BT 243.64 377.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 271.68 377.30 Td (by ) Tj ET Q q 0 0 0 rg BT 284.18 377.30 Td (select ) Tj ET Q q 0 0 0 rg BT 309.45 377.30 Td (downgrades, ) Tj ET Q q 0 0 0 rg BT 362.77 377.30 Td (including ) Tj ET Q q 0 0 0 rg BT 403.04 377.30 Td (Oil ) Tj ET Q q 0 0 0 rg BT 418.32 377.30 Td (& ) Tj ET Q q 0 0 0 rg BT 428.60 377.30 Td (Gas. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 357.80 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 350.15 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 342.70 Td (CONSUMER & COMMUNITY BANKING \(CCB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 327.80 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 327.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 327.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 327.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 327.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 327.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 327.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 327.80 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 327.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 327.80 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 312.80 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 312.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 312.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 312.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 312.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 312.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 312.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 312.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 312.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 312.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 312.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 312.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 252.80 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 252.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 252.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 252.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 252.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 252.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 252.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 252.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 252.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 252.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 252.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 252.80 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 312.79999999999995 m 423 312.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 312.79999999999995 m 468 312.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 312.79999999999995 m 472 312.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 312.79999999999995 m 517 312.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 312.79999999999995 m 562 312.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 297.79999999999995 m 231 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 297.79999999999995 m 276 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 297.79999999999995 m 280 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 297.79999999999995 m 325 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 297.79999999999995 m 329 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 297.79999999999995 m 374 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 297.79999999999995 m 378 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 297.79999999999995 m 423 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 297.79999999999995 m 468 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 297.79999999999995 m 472 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 297.79999999999995 m 517 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 297.79999999999995 m 276 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 297.79999999999995 m 468 297.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 297.79999999999995 m 562 297.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 252.79999999999995 m 231 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 237.79999999999995 m 231 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 252.79999999999995 m 276 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 237.79999999999995 m 276 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 252.79999999999995 m 280 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 237.79999999999995 m 280 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 252.79999999999995 m 325 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 237.79999999999995 m 325 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 252.79999999999995 m 329 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 237.79999999999995 m 329 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 252.79999999999995 m 374 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 237.79999999999995 m 374 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 252.79999999999995 m 378 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 237.79999999999995 m 378 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 252.79999999999995 m 423 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 237.79999999999995 m 423 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 252.79999999999995 m 468 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 237.79999999999995 m 468 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 252.79999999999995 m 472 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 237.79999999999995 m 472 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 252.79999999999995 m 517 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 237.79999999999995 m 517 237.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 252.79999999999995 m 562 252.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 237.79999999999995 m 562 237.79999999999995 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 317.47 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 317.47 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 317.47 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 302.47 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 302.47 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 302.47 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 302.47 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 302.47 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 302.47 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 302.47 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 302.47 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 288.37 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 287.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 287.47 Td (11,015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 287.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.60 287.47 Td (10,704) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 287.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.60 287.47 Td (11,518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 287.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 287.47 Td (311) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 287.47 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 287.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 287.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 287.52 Td (\(503) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 287.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 287.47 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 287.47 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 273.37 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 272.47 Td (6,210) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 272.47 Td (6,190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 272.47 Td (6,456) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 272.47 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 272.47 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 272.52 Td (\(246) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 272.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 272.47 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 272.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 258.37 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 257.47 Td (702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 257.47 Td (930) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 257.47 Td (852) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 257.52 Td (\(228) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 257.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 257.52 Td (\(25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 257.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 257.52 Td (\(150) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 257.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 257.47 Td (\(18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 257.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 243.37 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 242.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 242.47 Td (2,533) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 242.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 242.47 Td (2,219) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 242.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 242.47 Td (2,496) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 242.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 242.47 Td (314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 242.47 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 242.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 242.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 242.47 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 242.47 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 242.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 220.30 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 220.30 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 220.30 Td (Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 208.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 208.30 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 208.30 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 208.30 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 136.42 208.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 208.30 Td (an ) Tj ET Q q 0 0 0 rg BT 179.48 208.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.73 208.30 Td (of ) Tj ET Q q 0 0 0 rg BT 225.56 208.30 Td (1%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.43 190.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.57 190.30 Td (was ) Tj ET Q q 0 0 0 rg BT 118.62 190.30 Td ($1) Tj ET Q q 0 0 0 rg BT 128.25 190.30 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 143.25 190.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 174.35 190.30 Td (a ) Tj ET Q q 0 0 0 rg BT 181.29 190.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 218.20 190.30 Td (of ) Tj ET Q q 0 0 0 rg BT 229.02 190.30 Td (4%. ) Tj ET Q q 0 0 0 rg BT 247.35 190.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 264.28 190.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 296.21 190.30 Td (income ) Tj ET Q q 0 0 0 rg BT 328.14 190.30 Td (was ) Tj ET Q q 0 0 0 rg BT 346.18 190.30 Td ($6.9 ) Tj ET Q q 0 0 0 rg BT 366.18 190.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 397.29 190.30 Td (down ) Tj ET Q q 0 0 0 rg BT 422.00 190.30 Td (2%, ) Tj ET Q q 0 0 0 rg BT 440.33 190.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 468.37 190.30 Td (by ) Tj ET Q q 0 0 0 rg BT 480.87 190.30 Td (spread ) Tj ET Q q 0 0 0 rg BT 509.46 190.30 Td (compression, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.30 Td (lar) Tj ET Q q 0 0 0 rg BT 59.87 178.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 80.12 178.30 Td (of) Tj ET Q q 0 0 0 rg BT 88.27 178.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 105.74 178.30 Td (by ) Tj ET Q q 0 0 0 rg BT 118.77 178.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 147.35 178.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 179.27 178.30 Td (and ) Tj ET Q q 0 0 0 rg BT 196.75 178.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 217.00 178.30 Td (balances. ) Tj ET Q q 0 0 0 rg BT 256.95 178.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 306.64 178.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 341.32 178.30 Td (was ) Tj ET Q q 0 0 0 rg BT 359.91 178.30 Td ($4.1 ) Tj ET Q q 0 0 0 rg BT 380.44 178.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 412.09 178.30 Td (down ) Tj ET Q q 0 0 0 rg BT 437.34 178.30 Td (8%, ) Tj ET Q q 0 0 0 rg BT 456.21 178.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 484.79 178.30 Td (by ) Tj ET Q q 0 0 0 rg BT 497.82 178.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 523.62 178.30 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 85.89 166.30 Td (revenue. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 148.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.05 148.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.16 148.30 Td (was ) Tj ET Q q 0 0 0 rg BT 152.61 148.30 Td ($6.2 ) Tj ET Q q 0 0 0 rg BT 173.01 148.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 204.52 148.30 Td (a ) Tj ET Q q 0 0 0 rg BT 211.85 148.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 249.17 148.30 Td (of ) Tj ET Q q 0 0 0 rg BT 260.39 148.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 276.62 148.30 Td (from ) Tj ET Q q 0 0 0 rg BT 298.96 148.30 Td (the ) Tj ET Q q 0 0 0 rg BT 314.07 148.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 336.41 148.30 Td (year) Tj ET Q q 0 0 0 rg BT 353.22 148.30 Td (, ) Tj ET Q q 0 0 0 rg BT 358.61 148.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 419.83 148.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 448.28 148.30 Td (by ) Tj ET Q q 0 0 0 rg BT 461.17 148.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 486.84 148.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 528.62 148.30 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 136.30 Td (expense. ) Tj ET Q q 0 0 0 rg BT 86.53 136.30 Td (The ) Tj ET Q q 0 0 0 rg BT 104.57 136.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 144.85 136.30 Td (for ) Tj ET Q q 0 0 0 rg BT 159.01 136.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 184.28 136.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 210.67 136.30 Td (was ) Tj ET Q q 0 0 0 rg BT 228.72 136.30 Td ($702 ) Tj ET Q q 0 0 0 rg BT 251.22 136.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 285.11 136.30 Td (a ) Tj ET Q q 0 0 0 rg BT 292.05 136.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 328.96 136.30 Td (of ) Tj ET Q q 0 0 0 rg BT 339.79 136.30 Td (18%, ) Tj ET Q q 0 0 0 rg BT 363.12 136.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 403.93 136.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 429.20 136.30 Td (net ) Tj ET Q q 0 0 0 rg BT 443.92 136.30 Td (char) Tj ET Q q 0 0 0 rg BT 460.95 136.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 481.86 136.30 Td (fs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 118.30 Td (Consumer) Tj ET Q q 0 0 0 rg BT 93.76 118.30 Td ( ) Tj ET Q q 0 0 0 rg BT 96.26 118.30 Td (& ) Tj ET Q q 0 0 0 rg BT 107.09 118.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 146.28 118.30 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.41 118.30 Td ( ) Tj ET Q q 0 0 0 rg BT 184.91 118.30 Td (net ) Tj ET Q q 0 0 0 rg BT 199.63 118.30 Td (income ) Tj ET Q q 0 0 0 rg BT 231.56 118.30 Td (was ) Tj ET Q q 0 0 0 rg BT 249.61 118.30 Td ($831 ) Tj ET Q q 0 0 0 rg BT 272.11 118.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 306.00 118.30 Td (a ) Tj ET Q q 0 0 0 rg BT 312.94 118.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 349.86 118.30 Td (of ) Tj ET Q q 0 0 0 rg BT 360.69 118.30 Td (8%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 100.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.46 100.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.63 100.30 Td (was ) Tj ET Q q 0 0 0 rg BT 118.71 100.30 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 138.73 100.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 169.87 100.30 Td (down ) Tj ET Q q 0 0 0 rg BT 194.62 100.30 Td (3%, ) Tj ET Q q 0 0 0 rg BT 212.97 100.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 253.81 100.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 279.10 100.30 Td (net ) Tj ET Q q 0 0 0 rg BT 293.84 100.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 325.80 100.30 Td (income ) Tj ET Q q 0 0 0 rg BT 357.76 100.30 Td (due ) Tj ET Q q 0 0 0 rg BT 374.72 100.30 Td (to ) Tj ET Q q 0 0 0 rg BT 385.02 100.30 Td (spread ) Tj ET Q q 0 0 0 rg BT 413.65 100.30 Td (compression, ) Tj ET Q q 0 0 0 rg BT 469.22 100.30 Td (lar) Tj ET Q q 0 0 0 rg BT 479.58 100.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 499.32 100.30 Td (of) Tj ET Q q 0 0 0 rg BT 507.47 100.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 524.44 100.30 Td (by ) Tj ET Q q 0 0 0 rg BT 536.96 100.30 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 88.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 81.38 88.30 Td (balances. ) Tj ET Q q 0 0 0 rg BT 121.30 88.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 170.95 88.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 205.59 88.30 Td (was ) Tj ET Q q 0 0 0 rg BT 224.14 88.30 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 244.63 88.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 276.24 88.30 Td (up ) Tj ET Q q 0 0 0 rg BT 289.23 88.30 Td (2% ) Tj ET Q q 0 0 0 rg BT 305.56 88.30 Td (from ) Tj ET Q q 0 0 0 rg BT 327.99 88.30 Td (the ) Tj ET Q q 0 0 0 rg BT 343.20 88.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 365.64 88.30 Td (year) Tj ET Q q 0 0 0 rg BT 382.44 88.30 Td (, ) Tj ET Q q 0 0 0 rg BT 387.94 88.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 416.48 88.30 Td (by ) Tj ET Q q 0 0 0 rg BT 429.47 88.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 458.01 88.30 Td (debit ) Tj ET Q q 0 0 0 rg BT 481.00 88.30 Td (card ) Tj ET Q q 0 0 0 rg BT 501.21 88.30 Td (and ) Tj ET Q q 0 0 0 rg BT 518.64 88.30 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 76.30 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 58.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 58.30 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 58.30 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 171.41 58.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 58.30 Td (an ) Tj ET Q q 0 0 0 rg BT 214.47 58.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 249.72 58.30 Td (of ) Tj ET Q q 0 0 0 rg BT 260.55 58.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 278.88 58.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 306.93 58.30 Td (by ) Tj ET Q q 0 0 0 rg BT 319.43 58.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 347.47 58.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 369.41 58.30 Td (expense, ) Tj ET Q q 0 0 0 rg BT 406.61 58.30 Td (lar) Tj ET Q q 0 0 0 rg BT 416.98 58.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 436.70 58.30 Td (of) Tj ET Q q 0 0 0 rg BT 444.85 58.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 461.79 58.30 Td (by ) Tj ET Q q 0 0 0 rg BT 474.29 58.30 Td (branch ) Tj ET Q q 0 0 0 rg BT 503.99 58.30 Td (ef) Tj ET Q q 0 0 0 rg BT 511.58 58.30 Td (ficiencies.) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 93.65 740.25 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.78 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 132.28 740.25 Td (net ) Tj ET Q q 0 0 0 rg BT 147.00 740.25 Td (income ) Tj ET Q q 0 0 0 rg BT 178.93 740.25 Td (was ) Tj ET Q q 0 0 0 rg BT 196.98 740.25 Td ($584 ) Tj ET Q q 0 0 0 rg BT 219.48 740.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 253.37 740.25 Td (a ) Tj ET Q q 0 0 0 rg BT 260.31 740.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 297.22 740.25 Td (of ) Tj ET Q q 0 0 0 rg BT 308.05 740.25 Td (20%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.02 722.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.74 722.25 Td (was ) Tj ET Q q 0 0 0 rg BT 117.37 722.25 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 136.95 722.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.64 722.25 Td (a ) Tj ET Q q 0 0 0 rg BT 174.15 722.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 210.65 722.25 Td (of ) Tj ET Q q 0 0 0 rg BT 221.05 722.25 Td (21%, ) Tj ET Q q 0 0 0 rg BT 243.96 722.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 271.58 722.25 Td (by ) Tj ET Q q 0 0 0 rg BT 283.66 722.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 308.51 722.25 Td (net ) Tj ET Q q 0 0 0 rg BT 322.80 722.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 361.54 722.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 395.26 722.25 Td (and ) Tj ET Q q 0 0 0 rg BT 411.78 722.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 436.62 722.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 482.00 722.25 Td (benefit. ) Tj ET Q q 0 0 0 rg BT 514.35 722.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 530.86 722.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 89.75 710.25 Td (5% ) Tj ET Q q 0 0 0 rg BT 105.58 710.25 Td (from ) Tj ET Q q 0 0 0 rg BT 127.52 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.24 710.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 164.18 710.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 192.09 710.25 Td (, ) Tj ET Q q 0 0 0 rg BT 197.09 710.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 225.14 710.25 Td (by ) Tj ET Q q 0 0 0 rg BT 237.64 710.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 265.69 710.25 Td (MSR ) Tj ET Q q 0 0 0 rg BT 289.31 710.25 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 692.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 692.25 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 692.25 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 171.41 692.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 692.25 Td (a ) Tj ET Q q 0 0 0 rg BT 209.47 692.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.38 692.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.21 692.25 Td (15%, ) Tj ET Q q 0 0 0 rg BT 280.54 692.25 Td (due ) Tj ET Q q 0 0 0 rg BT 297.48 692.25 Td (to ) Tj ET Q q 0 0 0 rg BT 307.76 692.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 348.02 692.25 Td (ef) Tj ET Q q 0 0 0 rg BT 355.61 692.25 Td (ficiencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.33 674.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.39 674.25 Td (for ) Tj ET Q q 0 0 0 rg BT 121.33 674.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 146.38 674.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 172.55 674.25 Td (was ) Tj ET Q q 0 0 0 rg BT 190.39 674.25 Td (a ) Tj ET Q q 0 0 0 rg BT 197.11 674.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 227.16 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 237.77 674.25 Td ($219 ) Tj ET Q q 0 0 0 rg BT 260.05 674.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 293.73 674.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 335.43 674.25 Td (with ) Tj ET Q q 0 0 0 rg BT 355.49 674.25 Td (a ) Tj ET Q q 0 0 0 rg BT 362.21 674.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 392.26 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 402.87 674.25 Td ($188 ) Tj ET Q q 0 0 0 rg BT 425.16 674.25 Td (million ) Tj ET Q q 0 0 0 rg BT 456.33 674.25 Td (in ) Tj ET Q q 0 0 0 rg BT 466.39 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 480.89 674.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 502.61 674.25 Td (year) Tj ET Q q 0 0 0 rg BT 519.42 674.25 Td (, ) Tj ET Q q 0 0 0 rg BT 524.20 674.25 Td (reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 74.77 662.25 Td (net ) Tj ET Q q 0 0 0 rg BT 89.49 662.25 Td (char) Tj ET Q q 0 0 0 rg BT 106.51 662.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 127.43 662.25 Td (fs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 641.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 76.72 641.25 Td (Commer) Tj ET Q q 0 0 0 rg BT 114.30 641.25 Td (ce ) Tj ET Q q 0 0 0 rg BT 125.68 641.25 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 167.64 641.25 Td (& ) Tj ET Q q 0 0 0 rg BT 177.92 641.25 Td (Auto) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 199.03 645.78 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.53 641.25 Td ( ) Tj ET Q q 0 0 0 rg BT 208.03 641.25 Td (net ) Tj ET Q q 0 0 0 rg BT 222.75 641.25 Td (income ) Tj ET Q q 0 0 0 rg BT 254.68 641.25 Td (was ) Tj ET Q q 0 0 0 rg BT 272.73 641.25 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 292.73 641.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 323.85 641.25 Td (an ) Tj ET Q q 0 0 0 rg BT 335.78 641.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 371.04 641.25 Td (of ) Tj ET Q q 0 0 0 rg BT 381.87 641.25 Td (30%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 623.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.00 623.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.71 623.25 Td (was ) Tj ET Q q 0 0 0 rg BT 117.33 623.25 Td ($4.7 ) Tj ET Q q 0 0 0 rg BT 136.89 623.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.57 623.25 Td (an ) Tj ET Q q 0 0 0 rg BT 179.07 623.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 213.89 623.25 Td (of ) Tj ET Q q 0 0 0 rg BT 224.29 623.25 Td (3%. ) Tj ET Q q 0 0 0 rg BT 242.18 623.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 258.68 623.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 290.18 623.25 Td (income ) Tj ET Q q 0 0 0 rg BT 321.68 623.25 Td (was ) Tj ET Q q 0 0 0 rg BT 339.30 623.25 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 358.86 623.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 389.54 623.25 Td (an ) Tj ET Q q 0 0 0 rg BT 401.04 623.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 435.86 623.25 Td (of ) Tj ET Q q 0 0 0 rg BT 446.25 623.25 Td (1%, ) Tj ET Q q 0 0 0 rg BT 464.15 623.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 491.76 623.25 Td (by ) Tj ET Q q 0 0 0 rg BT 503.83 623.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 531.44 623.25 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 611.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.04 611.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 105.79 611.25 Td (and ) Tj ET Q q 0 0 0 rg BT 122.56 611.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 147.65 611.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 181.62 611.25 Td (reversals ) Tj ET Q q 0 0 0 rg BT 219.48 611.25 Td (lar) Tj ET Q q 0 0 0 rg BT 229.85 611.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 249.39 611.25 Td (of) Tj ET Q q 0 0 0 rg BT 257.54 611.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 274.31 611.25 Td (by ) Tj ET Q q 0 0 0 rg BT 286.63 611.25 Td (spread ) Tj ET Q q 0 0 0 rg BT 315.06 611.25 Td (compression. ) Tj ET Q q 0 0 0 rg BT 370.43 611.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 419.41 611.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 453.38 611.25 Td (was ) Tj ET Q q 0 0 0 rg BT 471.26 611.25 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 491.08 611.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 522.02 611.25 Td (up ) Tj ET Q q 0 0 0 rg BT 534.35 611.25 Td (5%, ) Tj ET Q q 0 0 0 rg BT 552.50 611.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 599.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.00 599.25 Td (Auto ) Tj ET Q q 0 0 0 rg BT 99.50 599.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 121.98 599.25 Td (income ) Tj ET Q q 0 0 0 rg BT 153.91 599.25 Td (and ) Tj ET Q q 0 0 0 rg BT 170.85 599.25 Td (net ) Tj ET Q q 0 0 0 rg BT 185.57 599.25 Td (interchange ) Tj ET Q q 0 0 0 rg BT 234.71 599.25 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 581.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 581.25 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 581.25 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 171.41 581.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 581.25 Td (down ) Tj ET Q q 0 0 0 rg BT 227.25 581.25 Td (4%, ) Tj ET Q q 0 0 0 rg BT 245.58 581.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 273.63 581.25 Td (by ) Tj ET Q q 0 0 0 rg BT 286.13 581.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 311.39 581.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 333.33 581.25 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 563.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.83 563.25 Td (for ) Tj ET Q q 0 0 0 rg BT 121.99 563.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.25 563.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 173.64 563.25 Td (was ) Tj ET Q q 0 0 0 rg BT 191.69 563.25 Td ($853 ) Tj ET Q q 0 0 0 rg BT 214.19 563.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 248.08 563.25 Td (a ) Tj ET Q q 0 0 0 rg BT 255.02 563.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 291.94 563.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.77 563.25 Td (12%, ) Tj ET Q q 0 0 0 rg BT 326.10 563.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 366.91 563.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 392.18 563.25 Td (net ) Tj ET Q q 0 0 0 rg BT 406.89 563.25 Td (char) Tj ET Q q 0 0 0 rg BT 423.92 563.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 444.84 563.25 Td (fs. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 546.75 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 539.10 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 531.65 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 531.65 Td (TE & INVESTMENT) Tj ET Q q 1 1 1 rg BT 210.39 531.65 Td ( BANK \(CIB\)) Tj ET Q BT /F2 11.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 274.56 544.08 3.57 -9.82 re f /GS0 gs BT /F2 7.15 Tf ET q 1 1 1 rg BT 274.56 536.63 Td (8) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 516.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 516.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 516.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 516.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 516.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 516.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 516.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 516.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 516.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 516.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 501.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 501.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 501.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 501.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 501.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 501.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 501.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 501.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 501.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 501.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 501.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 501.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 441.75 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 441.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 441.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 441.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 441.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 441.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 441.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 441.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 441.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 441.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 441.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 441.75 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 501.75 m 423 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 501.75 m 468 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 501.75 m 472 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 501.75 m 517 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 501.75 m 562 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 486.75 m 231 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 486.75 m 276 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 486.75 m 280 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 486.75 m 325 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 486.75 m 329 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 486.75 m 374 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 486.75 m 378 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 486.75 m 423 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 486.75 m 468 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 486.75 m 472 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 486.75 m 517 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 486.75 m 562 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 441.75 m 231 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 426.75 m 231 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 441.75 m 276 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 426.75 m 276 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 441.75 m 280 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 426.75 m 280 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 441.75 m 325 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 426.75 m 325 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 441.75 m 329 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 426.75 m 329 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 441.75 m 374 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 426.75 m 374 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 441.75 m 378 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 426.75 m 378 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 441.75 m 423 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 426.75 m 423 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 441.75 m 468 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 426.75 m 468 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 441.75 m 472 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 426.75 m 472 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 441.75 m 517 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 426.75 m 517 426.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 441.75 m 562 441.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 426.75 m 562 426.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 506.42 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 506.42 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 506.42 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 491.42 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 491.42 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 491.42 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 491.42 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 491.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 491.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 491.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 491.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 477.32 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 476.42 Td (8,723) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 476.42 Td (9,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 476.42 Td (9,265) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 476.47 Td (\(859) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 476.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 476.42 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 476.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 476.47 Td (\(542) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 476.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 476.42 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 476.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 462.32 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 461.42 Td (5,137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 461.42 Td (5,657) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 461.42 Td (6,058) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 461.47 Td (\(520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 461.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 461.42 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 461.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 461.47 Td (\(921) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 461.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 461.42 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 461.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 447.32 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 446.42 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 446.47 Td (\(31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 446.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 446.47 Td (\(84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 446.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 446.42 Td (81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 446.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 446.42 Td (134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 446.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 432.32 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 431.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 431.42 Td (2,341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 431.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 431.42 Td (2,537) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 431.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 431.42 Td (2,131) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 431.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 431.47 Td (\(196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 431.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 431.42 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 431.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 431.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 431.42 Td (210) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 431.42 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 431.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 409.25 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 397.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 397.25 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 397.25 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 397.25 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 136.42 397.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 397.25 Td (up ) Tj ET Q q 0 0 0 rg BT 180.04 397.25 Td (10%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 379.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.30 379.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.30 379.25 Td (was ) Tj ET Q q 0 0 0 rg BT 118.21 379.25 Td ($8.7 ) Tj ET Q q 0 0 0 rg BT 138.07 379.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 169.04 379.25 Td (a ) Tj ET Q q 0 0 0 rg BT 175.84 379.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 212.61 379.25 Td (of ) Tj ET Q q 0 0 0 rg BT 223.30 379.25 Td (6%. ) Tj ET Q q 0 0 0 rg BT 241.49 379.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 277.73 379.25 Td (revenue) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 309.38 383.78 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.88 379.25 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.88 379.25 Td (was ) Tj ET Q q 0 0 0 rg BT 335.79 379.25 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 355.65 379.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 386.62 379.25 Td (down ) Tj ET Q q 0 0 0 rg BT 411.20 379.25 Td (3%, ) Tj ET Q q 0 0 0 rg BT 429.39 379.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 470.05 379.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 495.18 379.25 Td (Lending ) Tj ET Q q 0 0 0 rg BT 530.87 379.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 367.25 Td (due ) Tj ET Q q 0 0 0 rg BT 65.79 367.25 Td (to ) Tj ET Q q 0 0 0 rg BT 75.41 367.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 101.15 367.25 Td (on ) Tj ET Q q 0 0 0 rg BT 113.00 367.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 152.61 367.25 Td (received ) Tj ET Q q 0 0 0 rg BT 188.32 367.25 Td (from ) Tj ET Q q 0 0 0 rg BT 209.60 367.25 Td (restructurings. ) Tj ET Q q 0 0 0 rg BT 268.94 367.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 315.22 367.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 349.28 367.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 382.77 367.25 Td (was ) Tj ET Q q 0 0 0 rg BT 400.17 367.25 Td (up ) Tj ET Q q 0 0 0 rg BT 412.02 367.25 Td (4% ) Tj ET Q q 0 0 0 rg BT 427.20 367.25 Td (on ) Tj ET Q q 0 0 0 rg BT 439.04 367.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 466.44 367.25 Td (advisory ) Tj ET Q q 0 0 0 rg BT 502.72 367.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 520.67 367.25 Td (and ) Tj ET Q q 0 0 0 rg BT 536.95 367.25 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 355.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 69.11 355.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 123.16 355.25 Td (fees, ) Tj ET Q q 0 0 0 rg BT 144.15 355.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 179.86 355.25 Td (of) Tj ET Q q 0 0 0 rg BT 188.01 355.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 204.84 355.25 Td (by ) Tj ET Q q 0 0 0 rg BT 217.23 355.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 242.40 355.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 269.78 355.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 323.83 355.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 342.32 355.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 384.14 355.25 Td (to ) Tj ET Q q 0 0 0 rg BT 394.31 355.25 Td (a ) Tj ET Q q 0 0 0 rg BT 401.14 355.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 428.53 355.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 459.24 355.25 Td (for ) Tj ET Q q 0 0 0 rg BT 473.29 355.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 500.68 355.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 554.73 355.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.91 343.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 87.54 343.25 Td (year) Tj ET Q q 0 0 0 rg BT 104.20 343.25 Td (. ) Tj ET Q q 0 0 0 rg BT 109.66 343.25 Td (T) Tj ET Q q 0 0 0 rg BT 115.41 343.25 Td (reasury ) Tj ET Q q 0 0 0 rg BT 148.03 343.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 185.10 343.25 Td (revenue) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 216.75 347.78 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.25 343.25 Td ( ) Tj ET Q q 0 0 0 rg BT 226.44 343.25 Td (was ) Tj ET Q q 0 0 0 rg BT 245.19 343.25 Td ($901 ) Tj ET Q q 0 0 0 rg BT 268.38 343.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 302.96 343.25 Td (down ) Tj ET Q q 0 0 0 rg BT 328.38 343.25 Td (2%, ) Tj ET Q q 0 0 0 rg BT 347.40 343.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 376.14 343.25 Td (by ) Tj ET Q q 0 0 0 rg BT 389.33 343.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 415.29 343.25 Td (net ) Tj ET Q q 0 0 0 rg BT 430.70 343.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 463.33 343.25 Td (income ) Tj ET Q q 0 0 0 rg BT 495.95 343.25 Td (lar) Tj ET Q q 0 0 0 rg BT 506.32 343.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 526.73 343.25 Td (of) Tj ET Q q 0 0 0 rg BT 534.88 343.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 552.51 343.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 331.25 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 96.43 331.25 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 133.08 331.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 313.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 84.00 313.25 Td (& ) Tj ET Q q 0 0 0 rg BT 93.51 313.25 Td (Investor ) Tj ET Q q 0 0 0 rg BT 128.01 313.25 Td (Services) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.89 313.25 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.89 313.25 Td (revenue) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 195.53 317.78 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.03 313.25 Td ( ) Tj ET Q q 0 0 0 rg BT 203.76 313.25 Td (was ) Tj ET Q q 0 0 0 rg BT 221.04 313.25 Td ($5.8 ) Tj ET Q q 0 0 0 rg BT 240.27 313.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 270.62 313.25 Td (down ) Tj ET Q q 0 0 0 rg BT 294.57 313.25 Td (7%. ) Tj ET Q q 0 0 0 rg BT 312.13 313.25 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 354.97 313.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.91 313.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 402.29 313.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 432.89 313.25 Td (related ) Tj ET Q q 0 0 0 rg BT 461.83 313.25 Td (to ) Tj ET Q q 0 0 0 rg BT 471.34 313.25 Td (business ) Tj ET Q q 0 0 0 rg BT 506.96 313.25 Td (simplification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 301.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.96 301.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.19 301.25 Td (Markit ) Tj ET Q q 0 0 0 rg BT 112.42 301.25 Td (IPO ) Tj ET Q q 0 0 0 rg BT 131.56 301.25 Td (gain ) Tj ET Q q 0 0 0 rg BT 151.79 301.25 Td (in ) Tj ET Q q 0 0 0 rg BT 162.59 301.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.82 301.25 Td (second ) Tj ET Q q 0 0 0 rg BT 208.61 301.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 239.94 301.25 Td (of ) Tj ET Q q 0 0 0 rg BT 251.29 301.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 276.59 301.25 Td (T) Tj ET Q q 0 0 0 rg BT 282.00 301.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 300.01 301.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 335.80 301.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 370.46 301.25 Td (would ) Tj ET Q q 0 0 0 rg BT 398.48 301.25 Td (have ) Tj ET Q q 0 0 0 rg BT 420.37 301.25 Td (been ) Tj ET Q q 0 0 0 rg BT 442.27 301.25 Td (down ) Tj ET Q q 0 0 0 rg BT 467.50 301.25 Td (1%) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 480.83 305.33 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.76 301.25 Td (, ) Tj ET Q q 0 0 0 rg BT 489.28 301.25 Td (and ) Tj ET Q q 0 0 0 rg BT 506.73 301.25 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 532.53 301.25 Td (Income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 289.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 84.28 289.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 117.93 289.25 Td (would ) Tj ET Q q 0 0 0 rg BT 144.93 289.25 Td (have ) Tj ET Q q 0 0 0 rg BT 165.82 289.25 Td (been ) Tj ET Q q 0 0 0 rg BT 186.70 289.25 Td (down ) Tj ET Q q 0 0 0 rg BT 210.93 289.25 Td (10%) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 229.26 293.33 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.19 289.25 Td (. ) Tj ET Q q 0 0 0 rg BT 236.55 289.25 Td (This ) Tj ET Q q 0 0 0 rg BT 256.33 289.25 Td (was ) Tj ET Q q 0 0 0 rg BT 273.89 289.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 301.44 289.25 Td (by ) Tj ET Q q 0 0 0 rg BT 313.45 289.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 354.89 289.25 Td (weakness ) Tj ET Q q 0 0 0 rg BT 395.22 289.25 Td (in ) Tj ET Q q 0 0 0 rg BT 405.00 289.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 432.01 289.25 Td (and ) Tj ET Q q 0 0 0 rg BT 448.45 289.25 Td (Securitized ) Tj ET Q q 0 0 0 rg BT 495.44 289.25 Td (Products, ) Tj ET Q q 0 0 0 rg BT 534.95 289.25 Td (as ) Tj ET Q q 0 0 0 rg BT 545.28 289.25 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 277.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.53 277.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 86.00 277.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 120.34 277.25 Td (in ) Tj ET Q q 0 0 0 rg BT 130.82 277.25 Td (Currencies ) Tj ET Q q 0 0 0 rg BT 176.83 277.25 Td (& ) Tj ET Q q 0 0 0 rg BT 187.31 277.25 Td (Emer) Tj ET Q q 0 0 0 rg BT 208.79 277.25 Td (ging ) Tj ET Q q 0 0 0 rg BT 229.26 277.25 Td (Markets, ) Tj ET Q q 0 0 0 rg BT 267.23 277.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 303.25 277.25 Td (of) Tj ET Q q 0 0 0 rg BT 311.40 277.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 328.54 277.25 Td (by ) Tj ET Q q 0 0 0 rg BT 341.24 277.25 Td (strength ) Tj ET Q q 0 0 0 rg BT 376.15 277.25 Td (in ) Tj ET Q q 0 0 0 rg BT 386.63 277.25 Td (Rates. ) Tj ET Q q 0 0 0 rg BT 414.05 277.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 443.41 277.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 478.88 277.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 513.22 277.25 Td (was ) Tj ET Q q 0 0 0 rg BT 531.47 277.25 Td (up ) Tj ET Q q 0 0 0 rg BT 544.17 277.25 Td (27% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 265.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 77.55 265.25 Td (by ) Tj ET Q q 0 0 0 rg BT 90.05 265.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 117.55 265.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 170.57 265.25 Td (across ) Tj ET Q q 0 0 0 rg BT 198.06 265.25 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 244.43 265.25 Td (and ) Tj ET Q q 0 0 0 rg BT 261.37 265.25 Td (cash. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 247.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.33 247.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 132.71 247.25 Td (was ) Tj ET Q q 0 0 0 rg BT 150.44 247.25 Td ($5.1 ) Tj ET Q q 0 0 0 rg BT 170.11 247.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 200.90 247.25 Td (down ) Tj ET Q q 0 0 0 rg BT 225.29 247.25 Td (15%, ) Tj ET Q q 0 0 0 rg BT 248.30 247.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 276.02 247.25 Td (by ) Tj ET Q q 0 0 0 rg BT 288.19 247.25 Td (business ) Tj ET Q q 0 0 0 rg BT 324.26 247.25 Td (simplification, ) Tj ET Q q 0 0 0 rg BT 384.48 247.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 409.42 247.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 431.03 247.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 465.41 247.25 Td (and ) Tj ET Q q 0 0 0 rg BT 482.03 247.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 506.97 247.25 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 235.25 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 217.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.66 217.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.05 217.25 Td (for ) Tj ET Q q 0 0 0 rg BT 122.33 217.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.71 217.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 174.21 217.25 Td (was ) Tj ET Q q 0 0 0 rg BT 192.38 217.25 Td ($50 ) Tj ET Q q 0 0 0 rg BT 210.00 217.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 244.00 217.25 Td (up ) Tj ET Q q 0 0 0 rg BT 256.62 217.25 Td ($134 ) Tj ET Q q 0 0 0 rg BT 279.23 217.25 Td (million ) Tj ET Q q 0 0 0 rg BT 310.74 217.25 Td (from ) Tj ET Q q 0 0 0 rg BT 332.79 217.25 Td (the ) Tj ET Q q 0 0 0 rg BT 347.62 217.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 369.68 217.25 Td (year) Tj ET Q q 0 0 0 rg BT 386.48 217.25 Td (, ) Tj ET Q q 0 0 0 rg BT 391.60 217.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 432.52 217.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 460.68 217.25 Td (reserves, ) Tj ET Q q 0 0 0 rg BT 498.56 217.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 526.72 217.25 Td (by ) Tj ET Q q 0 0 0 rg BT 539.33 217.25 Td (Oil ) Tj ET Q q 0 0 0 rg BT 554.73 217.25 Td (& ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 205.25 Td (Gas.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (4) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 746.50 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 52.50 731.40 Td (COMMERCIAL BANKING \(CB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 716.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 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0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 626.5 m 517 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 641.5 m 562 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 626.5 m 562 626.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 706.17 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 706.17 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 706.17 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 691.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 691.17 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 691.17 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 691.17 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 677.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 676.17 Td (1,739) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 676.17 Td (1,742) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 676.17 Td (1,731) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 676.22 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 676.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 676.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 676.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 662.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 661.17 Td (703) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 661.17 Td (709) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 661.17 Td (675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 661.22 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 661.17 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 661.17 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 661.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 647.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 646.17 Td (182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 646.17 Td (61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 646.22 Td (\(67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 646.17 Td (121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.80 646.17 Td (198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 646.17 Td (249) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 646.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 632.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 631.17 Td (525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 631.17 Td (598) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 631.17 Td (677) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 631.22 Td (\(73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 631.17 Td (\(12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 631.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 631.22 Td (\(152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 631.17 Td (\(22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 631.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 609.00 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 609.00 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 609.00 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 597.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 597.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 597.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 597.00 Td ($525 ) Tj ET Q q 0 0 0 rg BT 138.92 597.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 597.00 Td (a ) Tj ET Q q 0 0 0 rg BT 179.75 597.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 216.67 597.00 Td (of ) Tj ET Q q 0 0 0 rg BT 227.50 597.00 Td (22%, ) Tj ET Q q 0 0 0 rg BT 250.83 597.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 278.88 597.00 Td (by ) Tj ET Q q 0 0 0 rg BT 291.38 597.00 Td (a ) Tj ET Q q 0 0 0 rg BT 298.31 597.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 326.36 597.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 366.64 597.00 Td (for ) Tj ET Q q 0 0 0 rg BT 380.80 597.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.06 597.00 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.26 579.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.23 579.00 Td (was ) Tj ET Q q 0 0 0 rg BT 118.11 579.00 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 137.93 579.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 168.87 579.00 Td (flat ) Tj ET Q q 0 0 0 rg BT 184.52 579.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 226.27 579.00 Td (with ) Tj ET Q q 0 0 0 rg BT 246.37 579.00 Td (the ) Tj ET Q q 0 0 0 rg BT 260.91 579.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 282.67 579.00 Td (year) Tj ET Q q 0 0 0 rg BT 299.33 579.00 Td (. ) Tj ET Q q 0 0 0 rg BT 304.15 579.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 320.92 579.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 352.67 579.00 Td (income ) Tj ET Q q 0 0 0 rg BT 384.43 579.00 Td (was ) Tj ET Q q 0 0 0 rg BT 402.31 579.00 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 422.13 579.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 453.07 579.00 Td (down ) Tj ET Q q 0 0 0 rg BT 477.62 579.00 Td (2%, ) Tj ET Q q 0 0 0 rg BT 495.77 579.00 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 536.40 579.00 Td (spread ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.00 Td (compression, ) Tj ET Q q 0 0 0 rg BT 105.48 567.00 Td (lar) Tj ET Q q 0 0 0 rg BT 115.85 567.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 136.00 567.00 Td (of) Tj ET Q q 0 0 0 rg BT 144.15 567.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 161.52 567.00 Td (by ) Tj ET Q q 0 0 0 rg BT 174.46 567.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 202.94 567.00 Td (lending ) Tj ET Q q 0 0 0 rg BT 235.87 567.00 Td (balances. ) Tj ET Q q 0 0 0 rg BT 275.73 567.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 325.32 567.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 359.90 567.00 Td (was ) Tj ET Q q 0 0 0 rg BT 378.38 567.00 Td ($609 ) Tj ET Q q 0 0 0 rg BT 401.32 567.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 435.64 567.00 Td (up ) Tj ET Q q 0 0 0 rg BT 448.58 567.00 Td (6% ) Tj ET Q q 0 0 0 rg BT 464.84 567.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 507.20 567.00 Td (with ) Tj ET Q q 0 0 0 rg BT 527.91 567.00 Td (the ) Tj ET Q q 0 0 0 rg BT 543.06 567.00 Td (prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.00 Td (year ) Tj ET Q q 0 0 0 rg BT 68.31 555.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 95.46 555.00 Td (by ) Tj ET Q q 0 0 0 rg BT 107.07 555.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 134.22 555.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 179.71 555.00 Td (banking ) Tj ET Q q 0 0 0 rg BT 213.53 555.00 Td (revenue; ) Tj ET Q q 0 0 0 rg BT 249.56 555.00 Td (and ) Tj ET Q q 0 0 0 rg BT 265.61 555.00 Td (down ) Tj ET Q q 0 0 0 rg BT 289.43 555.00 Td (4% ) Tj ET Q q 0 0 0 rg BT 304.37 555.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 345.40 555.00 Td (to ) Tj ET Q q 0 0 0 rg BT 354.78 555.00 Td (the ) Tj ET Q q 0 0 0 rg BT 368.60 555.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 389.65 555.00 Td (quarter) Tj ET Q q 0 0 0 rg BT 417.56 555.00 Td (, ) Tj ET Q q 0 0 0 rg BT 421.67 555.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 448.82 555.00 Td (by ) Tj ET Q q 0 0 0 rg BT 460.43 555.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 484.80 555.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 530.29 555.00 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 83.65 543.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 125.57 543.00 Td (with ) Tj ET Q q 0 0 0 rg BT 145.85 543.00 Td (record ) Tj ET Q q 0 0 0 rg BT 173.88 543.00 Td (first ) Tj ET Q q 0 0 0 rg BT 192.49 543.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 223.31 543.00 Td (2015 ) Tj ET Q q 0 0 0 rg BT 245.81 543.00 Td (results.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 525.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.24 525.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 132.53 525.00 Td (was ) Tj ET Q q 0 0 0 rg BT 150.16 525.00 Td ($703 ) Tj ET Q q 0 0 0 rg BT 172.24 525.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 205.72 525.00 Td (up ) Tj ET Q q 0 0 0 rg BT 217.80 525.00 Td (4%, ) Tj ET Q q 0 0 0 rg BT 235.71 525.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 263.34 525.00 Td (by ) Tj ET Q q 0 0 0 rg BT 275.43 525.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 303.05 525.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 349.02 525.00 Td (in ) Tj ET Q q 0 0 0 rg BT 358.88 525.00 Td (controls, ) Tj ET Q q 0 0 0 rg BT 395.68 525.00 Td (and ) Tj ET Q q 0 0 0 rg BT 412.20 525.00 Td (was ) Tj ET Q q 0 0 0 rg BT 429.83 525.00 Td (lar) Tj ET Q q 0 0 0 rg BT 440.20 525.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 459.50 525.00 Td (flat ) Tj ET Q q 0 0 0 rg BT 474.91 525.00 Td (from ) Tj ET Q q 0 0 0 rg BT 496.43 525.00 Td (the ) Tj ET Q q 0 0 0 rg BT 510.73 525.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 532.25 525.00 Td (quarter) Tj ET Q q 0 0 0 rg BT 560.01 525.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.57 507.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.87 507.00 Td (for ) Tj ET Q q 0 0 0 rg BT 122.05 507.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.34 507.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 173.75 507.00 Td (was ) Tj ET Q q 0 0 0 rg BT 191.82 507.00 Td ($182 ) Tj ET Q q 0 0 0 rg BT 214.35 507.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 248.26 507.00 Td ($249 ) Tj ET Q q 0 0 0 rg BT 270.78 507.00 Td (million ) Tj ET Q q 0 0 0 rg BT 302.20 507.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 330.26 507.00 Td (than ) Tj ET Q q 0 0 0 rg BT 350.00 507.00 Td (the ) Tj ET Q q 0 0 0 rg BT 364.74 507.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 386.70 507.00 Td (year) Tj ET Q q 0 0 0 rg BT 403.51 507.00 Td (, ) Tj ET Q q 0 0 0 rg BT 408.53 507.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 436.60 507.00 Td (by ) Tj ET Q q 0 0 0 rg BT 449.12 507.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 477.19 507.00 Td (reserves ) Tj ET Q q 0 0 0 rg BT 512.47 507.00 Td (due ) Tj ET Q q 0 0 0 rg BT 529.43 507.00 Td (to ) Tj ET Q q 0 0 0 rg BT 539.73 507.00 Td (select ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.00 Td (downgrades.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 475.50 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 467.85 148.71 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 460.40 Td (ASSET MANAGEMENT \(AM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 445.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 445.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 445.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 445.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 445.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 445.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 445.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 445.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 445.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 445.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 430.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 430.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 430.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 430.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 430.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 430.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 430.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 430.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 430.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 430.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 430.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 430.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 370.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 370.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 370.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 370.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 370.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 370.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 370.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 370.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 370.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 370.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 370.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 370.50 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 430.5 m 423 430.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 430.5 m 468 430.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 430.5 m 472 430.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 430.5 m 517 430.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 430.5 m 562 430.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 415.5 m 231 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 415.5 m 276 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 415.5 m 280 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 415.5 m 325 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 415.5 m 329 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 415.5 m 374 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 415.5 m 378 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 415.5 m 423 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 415.5 m 468 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 415.5 m 472 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 415.5 m 517 415.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 415.5 m 562 415.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 370.5 m 231 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 355.5 m 231 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 370.5 m 276 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 355.5 m 276 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 370.5 m 280 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 355.5 m 280 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 370.5 m 325 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 355.5 m 325 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 370.5 m 329 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 355.5 m 329 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 370.5 m 374 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 355.5 m 374 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 370.5 m 378 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 355.5 m 378 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 370.5 m 423 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 355.5 m 423 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 370.5 m 468 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 355.5 m 468 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 370.5 m 472 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 355.5 m 472 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 370.5 m 517 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 355.5 m 517 355.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 370.5 m 562 370.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 355.5 m 562 355.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 435.17 Td (Results for AM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 435.17 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 435.17 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 420.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 420.17 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 420.17 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 420.17 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 420.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 420.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 420.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 420.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 406.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 405.17 Td (3,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 405.17 Td (3,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 405.17 Td (2,982) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 405.17 Td (170) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 405.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 405.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 405.17 Td (193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 405.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 405.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 391.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 390.17 Td (2,406) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 390.17 Td (2,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 390.17 Td (2,062) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 390.17 Td (231) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 390.17 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 390.17 Td (344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 390.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 376.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 375.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 375.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 375.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 375.22 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 375.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.45 375.17 Td (\(100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 375.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.80 375.22 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 375.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.45 375.17 Td (\(100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 375.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 361.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 360.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 360.17 Td (451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 360.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 360.17 Td (502) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 360.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 360.17 Td (569) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 360.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 360.22 Td (\(51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 360.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 360.17 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 360.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 360.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 360.22 Td (\(118) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 360.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 360.17 Td (\(21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 360.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 338.00 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 338.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 326.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.96 326.00 Td (income ) Tj ET Q q 0 0 0 rg BT 97.41 326.00 Td (was ) Tj ET Q q 0 0 0 rg BT 114.99 326.00 Td ($451 ) Tj ET Q q 0 0 0 rg BT 137.01 326.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 170.42 326.00 Td (a ) Tj ET Q q 0 0 0 rg BT 176.88 326.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 213.31 326.00 Td (of ) Tj ET Q q 0 0 0 rg BT 223.66 326.00 Td (21%, ) Tj ET Q q 0 0 0 rg BT 246.51 326.00 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 286.84 326.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 314.41 326.00 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 360.87 326.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 395.09 326.00 Td (due ) Tj ET Q q 0 0 0 rg BT 411.55 326.00 Td (to ) Tj ET Q q 0 0 0 rg BT 421.35 326.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 448.92 326.00 Td (legal ) Tj ET Q q 0 0 0 rg BT 470.37 326.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 504.60 326.00 Td (and ) Tj ET Q q 0 0 0 rg BT 521.06 326.00 Td (the ) Tj ET Q q 0 0 0 rg BT 535.30 326.00 Td (impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 314.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 314.00 Td (a ) Tj ET Q q 0 0 0 rg BT 67.27 314.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 85.33 314.00 Td (from ) Tj ET Q q 0 0 0 rg BT 107.27 314.00 Td (a ) Tj ET Q q 0 0 0 rg BT 114.21 314.00 Td (held-for) Tj ET Q q 0 0 0 rg BT 146.21 314.00 Td (-sale ) Tj ET Q q 0 0 0 rg BT 167.59 314.00 Td (asset, ) Tj ET Q q 0 0 0 rg BT 192.03 314.00 Td (lar) Tj ET Q q 0 0 0 rg BT 202.40 314.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 222.11 314.00 Td (of) Tj ET Q q 0 0 0 rg BT 230.26 314.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 247.20 314.00 Td (by ) Tj ET Q q 0 0 0 rg BT 259.70 314.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 287.75 314.00 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 296.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.27 296.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.24 296.00 Td (was ) Tj ET Q q 0 0 0 rg BT 118.12 296.00 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 137.94 296.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 168.88 296.00 Td (an ) Tj ET Q q 0 0 0 rg BT 180.65 296.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 215.73 296.00 Td (of ) Tj ET Q q 0 0 0 rg BT 226.38 296.00 Td (6%. ) Tj ET Q q 0 0 0 rg BT 244.54 296.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 261.31 296.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 293.07 296.00 Td (income ) Tj ET Q q 0 0 0 rg BT 324.83 296.00 Td (was ) Tj ET Q q 0 0 0 rg BT 342.71 296.00 Td ($631 ) Tj ET Q q 0 0 0 rg BT 365.03 296.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 398.75 296.00 Td (up ) Tj ET Q q 0 0 0 rg BT 411.08 296.00 Td (5%, ) Tj ET Q q 0 0 0 rg BT 429.23 296.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 457.11 296.00 Td (by ) Tj ET Q q 0 0 0 rg BT 469.43 296.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 497.31 296.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 516.85 296.00 Td (and ) Tj ET Q q 0 0 0 rg BT 533.62 296.00 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 284.00 Td (balances. ) Tj ET Q q 0 0 0 rg BT 87.98 284.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 136.19 284.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 169.39 284.00 Td (was ) Tj ET Q q 0 0 0 rg BT 186.50 284.00 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 205.55 284.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 235.72 284.00 Td (up ) Tj ET Q q 0 0 0 rg BT 247.28 284.00 Td (7%, ) Tj ET Q q 0 0 0 rg BT 264.66 284.00 Td (on ) Tj ET Q q 0 0 0 rg BT 276.22 284.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 303.32 284.00 Td (market ) Tj ET Q q 0 0 0 rg BT 332.64 284.00 Td (levels ) Tj ET Q q 0 0 0 rg BT 357.52 284.00 Td (and ) Tj ET Q q 0 0 0 rg BT 373.51 284.00 Td (net ) Tj ET Q q 0 0 0 rg BT 387.28 284.00 Td (client ) Tj ET Q q 0 0 0 rg BT 411.05 284.00 Td (inflows ) Tj ET Q q 0 0 0 rg BT 442.61 284.00 Td (into ) Tj ET Q q 0 0 0 rg BT 459.72 284.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 484.60 284.00 Td (under ) Tj ET Q q 0 0 0 rg BT 508.93 284.00 Td (management. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 266.00 Td (Assets ) Tj ET Q q 0 0 0 rg BT 78.07 266.00 Td (under ) Tj ET Q q 0 0 0 rg BT 103.30 266.00 Td (management ) Tj ET Q q 0 0 0 rg BT 156.84 266.00 Td (were ) Tj ET Q q 0 0 0 rg BT 178.73 266.00 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 198.69 266.00 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 230.87 266.00 Td (an ) Tj ET Q q 0 0 0 rg BT 242.76 266.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 277.97 266.00 Td (of ) Tj ET Q q 0 0 0 rg BT 288.76 266.00 Td (4% ) Tj ET Q q 0 0 0 rg BT 304.55 266.00 Td (from ) Tj ET Q q 0 0 0 rg BT 326.44 266.00 Td (the ) Tj ET Q q 0 0 0 rg BT 341.12 266.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 363.02 266.00 Td (year) Tj ET Q q 0 0 0 rg BT 379.82 266.00 Td (, ) Tj ET Q q 0 0 0 rg BT 384.78 266.00 Td (due ) Tj ET Q q 0 0 0 rg BT 401.68 266.00 Td (to ) Tj ET Q q 0 0 0 rg BT 411.91 266.00 Td (net ) Tj ET Q q 0 0 0 rg BT 426.59 266.00 Td (inflows ) Tj ET Q q 0 0 0 rg BT 459.04 266.00 Td (to ) Tj ET Q q 0 0 0 rg BT 469.28 266.00 Td (long-term ) Tj ET Q q 0 0 0 rg BT 511.17 266.00 Td (products ) Tj ET Q q 0 0 0 rg BT 548.07 266.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 254.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 85.89 254.00 Td (products.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 234.50 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 226.85 69.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 219.40 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 219.40 Td (TE) Tj ET Q BT /F2 11.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 121.96 231.83 7.15 -9.82 re f /GS0 gs BT /F2 7.15 Tf ET q 1 1 1 rg BT 121.96 224.38 Td (15) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 204.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 204.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 204.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 204.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 204.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 204.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 204.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 204.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 204.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 204.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 189.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 189.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 189.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 189.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 189.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 189.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 189.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 189.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 189.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 189.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 189.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 189.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 159.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 159.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 159.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 159.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 159.50 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 159.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 144.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 144.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 144.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 144.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 144.50 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 144.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 129.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 129.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 129.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 129.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 129.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 129.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 129.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 129.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 129.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 129.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 129.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 129.50 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 189.5 m 423 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 189.5 m 468 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 189.5 m 472 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 189.5 m 517 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 189.5 m 562 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 174.5 m 231 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 174.5 m 276 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 174.5 m 280 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 174.5 m 325 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 174.5 m 329 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 174.5 m 374 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 174.5 m 378 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 174.5 m 423 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 174.5 m 468 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 174.5 m 472 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 174.5 m 517 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 174.5 m 562 174.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 129.5 m 231 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 114.5 m 231 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 129.5 m 276 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 114.5 m 276 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 129.5 m 280 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 114.5 m 280 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 129.5 m 325 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 114.5 m 325 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 129.5 m 329 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 114.5 m 329 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 129.5 m 374 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 114.5 m 374 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 129.5 m 378 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 114.5 m 378 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 129.5 m 423 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 114.5 m 423 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 129.5 m 468 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 114.5 m 468 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 129.5 m 472 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 114.5 m 472 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 129.5 m 517 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 114.5 m 517 114.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 129.5 m 562 129.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 114.5 m 562 114.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 194.17 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 194.17 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 194.17 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 179.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 179.17 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 179.17 Td (1Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 179.17 Td (2Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 179.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 179.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 179.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 179.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 165.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 164.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 164.17 Td (\(121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 164.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 164.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 164.22 Td (\(213) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 164.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 164.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 164.22 Td (\(159) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 164.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 164.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 164.17 Td (92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 164.17 Td (43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 164.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 164.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 164.17 Td (38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 164.17 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 164.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 150.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 149.17 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 149.17 Td (152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 149.17 Td (180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 149.22 Td (\(108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 149.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 149.17 Td (\(71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 149.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 149.22 Td (\(136) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 149.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 149.22 Td (\(76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 149.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 135.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.15 134.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 134.22 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 134.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 134.22 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 134.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 134.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 134.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 134.17 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 134.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 120.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 119.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 119.17 Td (440) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 119.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 119.17 Td (58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 119.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 119.17 Td (107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 119.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 119.17 Td (382) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 119.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 119.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 119.17 Td (333) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.15 119.17 Td (311) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 119.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 97.00 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 85.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.35 85.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.19 85.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.15 85.00 Td ($440 ) Tj ET Q q 0 0 0 rg BT 138.56 85.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.36 85.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 214.19 85.00 Td (with ) Tj ET Q q 0 0 0 rg BT 234.38 85.00 Td (net ) Tj ET Q q 0 0 0 rg BT 249.00 85.00 Td (income ) Tj ET Q q 0 0 0 rg BT 280.85 85.00 Td (of ) Tj ET Q q 0 0 0 rg BT 291.58 85.00 Td ($107 ) Tj ET Q q 0 0 0 rg BT 313.99 85.00 Td (million ) Tj ET Q q 0 0 0 rg BT 345.29 85.00 Td (in ) Tj ET Q q 0 0 0 rg BT 355.48 85.00 Td (the ) Tj ET Q q 0 0 0 rg BT 370.11 85.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 391.95 85.00 Td (year) Tj ET Q q 0 0 0 rg BT 408.61 85.00 Td (. ) Tj ET Q q 0 0 0 rg BT 413.34 85.00 Td (The ) Tj ET Q q 0 0 0 rg BT 431.30 85.00 Td (current ) Tj ET Q q 0 0 0 rg BT 462.02 85.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 492.75 85.00 Td (reflected ) Tj ET Q q 0 0 0 rg BT 530.13 85.00 Td (a ) Tj ET Q q 0 0 0 rg BT 536.97 85.00 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 73.00 Td (benefit ) Tj ET Q q 0 0 0 rg BT 80.11 73.00 Td (from ) Tj ET Q q 0 0 0 rg BT 102.39 73.00 Td (discrete ) Tj ET Q q 0 0 0 rg BT 136.33 73.00 Td (tax ) Tj ET Q q 0 0 0 rg BT 151.40 73.00 Td (items ) Tj ET Q q 0 0 0 rg BT 175.91 73.00 Td (and ) Tj ET Q q 0 0 0 rg BT 193.19 73.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 218.80 73.00 Td (legal ) Tj ET Q q 0 0 0 rg BT 241.08 73.00 Td (expense. ) Tj ET Q q 0 0 0 rg BT 278.64 73.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 295.92 73.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 330.41 73.00 Td (was ) Tj ET Q q 0 0 0 rg BT 348.81 73.00 Td (a ) Tj ET Q q 0 0 0 rg BT 356.09 73.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 374.50 73.00 Td (of ) Tj ET Q q 0 0 0 rg BT 385.68 73.00 Td ($121 ) Tj ET Q q 0 0 0 rg BT 408.52 73.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 442.76 73.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 485.03 73.00 Td (with ) Tj ET Q q 0 0 0 rg BT 505.65 73.00 Td (a ) Tj ET Q q 0 0 0 rg BT 512.94 73.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 531.34 73.00 Td (of ) Tj ET Q q 0 0 0 rg BT 542.52 73.00 Td ($159 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 61.00 Td (million ) Tj ET Q q 0 0 0 rg BT 81.25 61.00 Td (in ) Tj ET Q q 0 0 0 rg BT 91.88 61.00 Td (the ) Tj ET Q q 0 0 0 rg BT 106.95 61.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 129.24 61.00 Td (year) Tj ET Q q 0 0 0 rg BT 145.90 61.00 Td (. ) Tj ET Q q 0 0 0 rg BT 151.25 61.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 200.76 61.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 235.82 61.00 Td (was ) Tj ET Q q 0 0 0 rg BT 254.23 61.00 Td ($44 ) Tj ET Q q 0 0 0 rg BT 272.08 61.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 306.33 61.00 Td (a ) Tj ET Q q 0 0 0 rg BT 313.62 61.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 350.89 61.00 Td (of ) Tj ET Q q 0 0 0 rg BT 362.07 61.00 Td ($136 ) Tj ET Q q 0 0 0 rg BT 384.92 61.00 Td (million ) Tj ET Q q 0 0 0 rg BT 416.67 61.00 Td (from ) Tj ET Q q 0 0 0 rg BT 438.96 61.00 Td (the ) Tj ET Q q 0 0 0 rg BT 454.03 61.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 476.33 61.00 Td (year) Tj ET Q q 0 0 0 rg BT 493.13 61.00 Td (, ) Tj ET Q q 0 0 0 rg BT 498.49 61.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 526.89 61.00 Td (by ) Tj ET Q q 0 0 0 rg BT 539.74 61.00 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 49.00 Td (legal ) Tj ET Q q 0 0 0 rg BT 71.43 49.00 Td (expense.) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 59.50 740.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 85.88 740.25 Td (on ) Tj ET Q q 0 0 0 rg BT 98.94 740.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 146.17 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 148.67 740.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.40 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 219.88 740.25 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.25 Td (a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 716.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.98 716.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.91 716.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.84 716.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.86 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.23 716.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 205.53 716.25 Td (results ) Tj ET Q q 0 0 0 rg BT 233.79 716.25 Td (on ) Tj ET Q q 0 0 0 rg BT 245.94 716.25 Td (a ) Tj ET Q q 0 0 0 rg BT 252.53 716.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 288.00 716.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 312.65 716.25 Td (management ) Tj ET Q q 0 0 0 rg BT 365.89 716.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 399.14 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 413.51 716.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 440.81 716.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.57 716.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.49 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.86 716.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 704.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 91.49 704.25 Td (and ) Tj ET Q q 0 0 0 rg BT 109.10 704.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.48 704.25 Td (results ) Tj ET Q q 0 0 0 rg BT 153.76 704.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.26 704.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.64 704.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 202.70 704.25 Td (of ) Tj ET Q q 0 0 0 rg BT 214.20 704.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 253.76 704.25 Td (on ) Tj ET Q q 0 0 0 rg BT 266.92 704.25 Td (a ) Tj ET Q q 0 0 0 rg BT 274.53 704.25 Td (managed?) 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Tj ET Q q 0 0 0 rg BT 191.66 536.25 Td (s ) Tj ET Q q 0 0 0 rg BT 198.05 536.25 Td (use ) Tj ET Q q 0 0 0 rg BT 213.88 536.25 Td (of ) Tj ET Q q 0 0 0 rg BT 224.71 536.25 Td (equity) Tj ET Q q 0 0 0 rg BT 249.06 536.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 512.25 Td (c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 512.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 106.11 512.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.82 512.25 Td (and ) Tj ET Q q 0 0 0 rg BT 157.75 512.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 193.58 512.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 232.72 512.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 253.55 512.25 Td (are ) Tj ET Q q 0 0 0 rg BT 268.26 512.25 Td (each ) Tj ET Q q 0 0 0 rg BT 289.07 512.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 334.26 512.25 Td ( ) Tj ET Q q 0 0 0 rg BT 336.76 512.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 374.24 512.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 416.45 512.25 Td (and ) Tj ET Q q 0 0 0 rg BT 433.38 512.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 466.98 512.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 508.36 512.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 530.30 512.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 500.25 Td (\($291 ) Tj ET Q q 0 0 0 rg BT 93.28 500.25 Td (million ) Tj ET Q q 0 0 0 rg BT 124.63 500.25 Td (in ) Tj ET Q q 0 0 0 rg BT 134.86 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.53 500.25 Td (second ) Tj ET Q q 0 0 0 rg BT 179.75 500.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 210.52 500.25 Td (of ) Tj ET Q q 0 0 0 rg BT 221.31 500.25 Td (2015\). ) Tj ET Q q 0 0 0 rg BT 249.59 500.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 304.25 500.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 339.46 500.25 Td (this ) Tj ET Q q 0 0 0 rg BT 356.36 500.25 Td (information ) Tj ET Q q 0 0 0 rg BT 406.03 500.25 Td (helps ) Tj ET Q q 0 0 0 rg BT 429.59 500.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 468.15 500.25 Td (understand ) Tj ET Q q 0 0 0 rg BT 514.48 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 529.16 500.25 Td (ef) Tj ET Q q 0 0 0 rg BT 536.74 500.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 554.18 500.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 488.25 Td (these ) Tj ET Q q 0 0 0 rg BT 90.55 488.25 Td (items ) Tj ET Q q 0 0 0 rg BT 114.71 488.25 Td (on ) Tj ET Q q 0 0 0 rg BT 127.21 488.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 163.03 488.25 Td (results ) Tj ET Q q 0 0 0 rg BT 191.64 488.25 Td (and ) Tj ET Q q 0 0 0 rg BT 208.57 488.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 245.51 488.25 Td (an ) Tj ET Q q 0 0 0 rg BT 257.45 488.25 Td (alternate ) Tj ET Q q 0 0 0 rg BT 294.37 488.25 Td (presentation ) Tj ET Q q 0 0 0 rg BT 345.74 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.57 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.29 488.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 393.52 488.25 Td (s ) Tj ET Q q 0 0 0 rg BT 399.91 488.25 Td (performance. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 464.25 Td (d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 464.25 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 109.47 464.25 Td (as ) Tj ET Q q 0 0 0 rg BT 119.78 464.25 Td (of ) Tj ET Q q 0 0 0 rg BT 130.09 464.25 Td (2Q15. ) Tj ET Q q 0 0 0 rg BT 156.80 464.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 196.01 464.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 222.84 464.25 Td (T) Tj ET Q q 0 0 0 rg BT 228.60 464.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 241.12 464.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 248.11 464.25 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 289.51 464.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 320.64 464.25 Td (the ) Tj ET Q q 0 0 0 rg BT 334.84 464.25 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 360.71 464.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 381.02 464.25 Td (and ) Tj ET Q q 0 0 0 rg BT 397.44 464.25 Td (the ) Tj ET Q q 0 0 0 rg BT 411.63 464.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 472.49 464.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 508.33 464.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 528.64 464.25 Td (\(SLR\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 452.25 Td (under ) Tj ET Q q 0 0 0 rg BT 93.39 452.25 Td (the ) Tj ET Q q 0 0 0 rg BT 108.74 452.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 134.08 452.25 Td (III ) Tj ET Q q 0 0 0 rg BT 146.50 452.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 190.17 452.25 Td (Fully ) Tj ET Q q 0 0 0 rg BT 214.41 452.25 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 257.52 452.25 Td (rules, ) Tj ET Q q 0 0 0 rg BT 282.59 452.25 Td (are ) Tj ET Q q 0 0 0 rg BT 297.92 452.25 Td (each ) Tj ET Q q 0 0 0 rg BT 319.36 452.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 364.54 452.25 Td ( ) Tj ET Q q 0 0 0 rg BT 367.67 452.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 405.78 452.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 448.38 452.25 Td (These ) Tj ET Q q 0 0 0 rg BT 475.38 452.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 515.72 452.25 Td (are ) Tj ET Q q 0 0 0 rg BT 531.05 452.25 Td (used ) Tj ET Q q 0 0 0 rg BT 552.50 452.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 440.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 123.33 440.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 145.02 440.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 189.75 440.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 228.10 440.25 Td (and ) Tj ET Q q 0 0 0 rg BT 244.79 440.25 Td (analysts ) Tj ET Q q 0 0 0 rg BT 279.25 440.25 Td (to ) Tj ET Q q 0 0 0 rg BT 289.27 440.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 315.96 440.25 Td (and ) Tj ET Q q 0 0 0 rg BT 332.64 440.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 366.55 440.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.01 440.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 403.24 440.25 Td (s ) Tj ET Q q 0 0 0 rg BT 409.38 440.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 438.27 440.25 Td (position. ) Tj ET Q q 0 0 0 rg BT 475.25 440.25 Td (For ) Tj ET Q q 0 0 0 rg BT 491.38 440.25 Td (further ) Tj ET Q q 0 0 0 rg BT 520.83 440.25 Td (discussion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 428.25 Td (of ) Tj ET Q q 0 0 0 rg BT 78.60 428.25 Td (these ) Tj ET Q q 0 0 0 rg BT 101.91 428.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 144.38 428.25 Td (see ) Tj ET Q q 0 0 0 rg BT 159.92 428.25 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 207.12 428.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 236.53 428.25 Td (on ) Tj ET Q q 0 0 0 rg BT 249.30 428.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 274.83 428.25 Td (146?53 ) Tj ET Q q 0 0 0 rg BT 312.60 428.25 Td (of ) Tj ET Q q 0 0 0 rg BT 323.70 428.25 Td (JPMor) Tj ET Q q 0 0 0 rg BT 350.19 428.25 Td (gan ) Tj ET Q q 0 0 0 rg BT 367.40 428.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 394.60 428.25 Td (& ) Tj ET Q q 0 0 0 rg BT 405.14 428.25 Td (Co.? Tj ET Q q 0 0 0 rg BT 422.09 428.25 Td (s ) Tj ET Q q 0 0 0 rg BT 428.14 428.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 460.34 428.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 490.33 428.25 Td (on ) Tj ET Q q 0 0 0 rg BT 503.09 428.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 527.53 428.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 550.85 428.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 81.72 416.25 Td (year ) Tj ET Q q 0 0 0 rg BT 100.92 416.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 126.80 416.25 Td (December ) Tj ET Q q 0 0 0 rg BT 169.88 416.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 184.38 416.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 206.38 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 222.81 416.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 247.58 416.25 Td (55-61 ) Tj ET Q q 0 0 0 rg BT 272.91 416.25 Td (of ) Tj ET Q q 0 0 0 rg BT 283.24 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.45 416.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 324.59 416.25 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 364.91 416.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 394.12 416.25 Td (on ) Tj ET Q q 0 0 0 rg BT 406.12 416.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 429.79 416.25 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 452.34 416.25 Td (for ) Tj ET Q q 0 0 0 rg BT 466.00 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 480.21 416.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 510.53 416.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 536.40 416.25 Td (March ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 404.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 82.50 404.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 380.25 Td (e\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.45 380.25 Td (CIB ) Tj ET Q q 0 0 0 rg BT 104.52 380.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 141.37 380.25 Td (the ) Tj ET Q q 0 0 0 rg BT 155.99 380.25 Td (change ) Tj ET Q q 0 0 0 rg BT 186.71 380.25 Td (in ) Tj ET Q q 0 0 0 rg BT 196.71 380.25 Td (T) Tj ET Q q 0 0 0 rg BT 202.13 380.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 219.52 380.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 254.70 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 271.54 380.25 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 296.72 380.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 329.11 380.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 364.28 380.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 398.33 380.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 440.17 380.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.79 380.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 488.84 380.25 Td (related ) Tj ET Q q 0 0 0 rg BT 518.44 380.25 Td (to ) Tj ET Q q 0 0 0 rg BT 528.63 380.25 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 368.25 Td (simplification ) Tj ET Q q 0 0 0 rg BT 126.29 368.25 Td (and ) Tj ET Q q 0 0 0 rg BT 143.97 368.25 Td (the ) Tj ET Q q 0 0 0 rg BT 159.43 368.25 Td (Markit ) Tj ET Q q 0 0 0 rg BT 189.89 368.25 Td (IPO ) Tj ET Q q 0 0 0 rg BT 209.25 368.25 Td (gain ) Tj ET Q q 0 0 0 rg BT 229.71 368.25 Td (in ) Tj ET Q q 0 0 0 rg BT 240.73 368.25 Td (the ) Tj ET Q q 0 0 0 rg BT 256.19 368.25 Td (second ) Tj ET Q q 0 0 0 rg BT 287.21 368.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 318.76 368.25 Td (of ) Tj ET Q q 0 0 0 rg BT 330.34 368.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 356.08 368.25 Td (a ) Tj ET Q q 0 0 0 rg BT 363.76 368.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 408.95 368.25 Td ( ) Tj ET Q q 0 0 0 rg BT 412.19 368.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 450.42 368.25 Td (measure, ) Tj ET Q q 0 0 0 rg BT 489.48 368.25 Td (to ) Tj ET Q q 0 0 0 rg BT 500.50 368.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 534.29 368.25 Td (a ) Tj ET Q q 0 0 0 rg BT 541.97 368.25 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 356.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 115.54 356.25 Td (assessment ) Tj ET Q q 0 0 0 rg BT 162.48 356.25 Td (of ) Tj ET Q q 0 0 0 rg BT 173.31 356.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.03 356.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 233.85 356.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 286.88 356.25 Td (of ) Tj ET Q q 0 0 0 rg BT 297.71 356.25 Td (the ) Tj ET Q q 0 0 0 rg BT 312.42 356.25 Td (business.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 97.57 740.25 Td (notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.25 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 716.25 Td (Represents ) Tj ET Q q 0 0 0 rg BT 113.60 716.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 154.15 716.25 Td (common ) Tj ET Q q 0 0 0 rg BT 191.37 716.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 218.43 716.25 Td (T) Tj ET Q q 0 0 0 rg BT 224.19 716.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 236.96 716.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 244.18 716.25 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 285.83 716.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 314.71 716.25 Td (and ) Tj ET Q q 0 0 0 rg BT 331.37 716.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 351.92 716.25 Td (under ) Tj ET Q q 0 0 0 rg BT 376.92 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 391.36 716.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 415.80 716.25 Td (III ) Tj ET Q q 0 0 0 rg BT 427.53 716.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 470.29 716.25 Td (Fully ) Tj ET Q q 0 0 0 rg BT 493.63 716.25 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 535.85 716.25 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 704.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 89.44 704.25 Td (to ) Tj ET Q q 0 0 0 rg BT 99.72 704.25 Td (which ) Tj ET Q q 0 0 0 rg BT 126.66 704.25 Td (the ) Tj ET Q q 0 0 0 rg BT 141.37 704.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.32 704.25 Td (will ) Tj ET Q q 0 0 0 rg BT 181.38 704.25 Td (be ) Tj ET Q q 0 0 0 rg BT 193.32 704.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 224.14 704.25 Td (to ) Tj ET Q q 0 0 0 rg BT 234.42 704.25 Td (as ) Tj ET Q q 0 0 0 rg BT 245.25 704.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.08 704.25 Td (January ) Tj ET Q q 0 0 0 rg BT 289.68 704.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 299.68 704.25 Td (2019. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 686.25 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 686.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 686.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 686.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 686.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 668.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 668.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 668.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 668.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 136.64 668.25 Td (issuance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 650.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 650.25 Td (Percentage ) Tj ET Q q 0 0 0 rg BT 113.85 650.25 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 166.89 650.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 191.60 650.25 Td (in ) Tj ET Q q 0 0 0 rg BT 201.87 650.25 Td (the ) Tj ET Q q 0 0 0 rg BT 216.57 650.25 Td (bullet ) Tj ET Q q 0 0 0 rg BT 241.84 650.25 Td (points ) Tj ET Q q 0 0 0 rg BT 268.77 650.25 Td (are ) Tj ET Q q 0 0 0 rg BT 283.47 650.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 326.49 650.25 Td (for ) Tj ET Q q 0 0 0 rg BT 340.64 650.25 Td (the ) Tj ET Q q 0 0 0 rg BT 355.35 650.25 Td (second ) Tj ET Q q 0 0 0 rg BT 385.61 650.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 416.41 650.25 Td (of ) Tj ET Q q 0 0 0 rg BT 427.23 650.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 449.72 650.25 Td (versus ) Tj ET Q q 0 0 0 rg BT 477.76 650.25 Td (the ) Tj ET Q q 0 0 0 rg BT 492.47 650.25 Td (prior) Tj ET Q q 0 0 0 rg BT 511.71 650.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 534.74 650.25 Td (second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 638.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 95.42 638.25 Td (, ) Tj ET Q q 0 0 0 rg BT 100.42 638.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 127.92 638.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 169.29 638.25 Td (specified. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 620.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td (Core ) Tj ET Q q 0 0 0 rg BT 88.36 620.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 110.90 620.25 Td (include ) Tj ET Q q 0 0 0 rg BT 141.75 620.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 164.29 620.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 209.03 620.25 Td (central ) Tj ET Q q 0 0 0 rg BT 237.66 620.25 Td (to ) Tj ET Q q 0 0 0 rg BT 246.86 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.50 620.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 282.73 620.25 Td (s ) Tj ET Q q 0 0 0 rg BT 288.04 620.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 322.25 620.25 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 368.67 620.25 Td (core ) Tj ET Q q 0 0 0 rg BT 387.30 620.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 409.84 620.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 442.35 620.25 Td (runof) Tj ET Q q 0 0 0 rg BT 463.83 620.25 Td (f ) Tj ET Q q 0 0 0 rg BT 468.59 620.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 511.40 620.25 Td (discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 608.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 108.89 608.25 Td (and ) Tj ET Q q 0 0 0 rg BT 125.83 608.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 167.21 608.25 Td (the ) Tj ET Q q 0 0 0 rg BT 181.93 608.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 203.88 608.25 Td (has ) Tj ET Q q 0 0 0 rg BT 219.71 608.25 Td (an ) Tj ET Q q 0 0 0 rg BT 231.65 608.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 256.92 608.25 Td (to ) Tj ET Q q 0 0 0 rg BT 267.20 608.25 Td (exit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 590.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 590.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 590.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 572.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 572.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 107.15 572.25 Td (January ) Tj ET Q q 0 0 0 rg BT 141.44 572.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 152.14 572.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 177.83 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.24 572.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 215.88 572.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 250.73 572.25 Td (new ) Tj ET Q q 0 0 0 rg BT 270.58 572.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 317.64 572.25 Td (guidance ) Tj ET Q q 0 0 0 rg BT 356.93 572.25 Td (for ) Tj ET Q q 0 0 0 rg BT 371.78 572.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 422.75 572.25 Td (in ) Tj ET Q q 0 0 0 rg BT 433.72 572.25 Td (af) Tj ET Q q 0 0 0 rg BT 441.31 572.25 Td (fordable ) Tj ET Q q 0 0 0 rg BT 477.81 572.25 Td (housing ) Tj ET Q q 0 0 0 rg BT 512.68 572.25 Td (projects ) Tj ET Q q 0 0 0 rg BT 547.52 572.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 97.52 560.25 Td (for ) Tj ET Q q 0 0 0 rg BT 110.87 560.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.77 560.25 Td (low-income ) Tj ET Q q 0 0 0 rg BT 174.23 560.25 Td (housing ) Tj ET Q q 0 0 0 rg BT 207.59 560.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 221.50 560.25 Td (credit. ) Tj ET Q q 0 0 0 rg BT 248.33 560.25 Td (The ) Tj ET Q q 0 0 0 rg BT 265.57 560.25 Td (guidance ) Tj ET Q q 0 0 0 rg BT 303.35 560.25 Td (was ) Tj ET Q q 0 0 0 rg BT 320.60 560.25 Td (required ) Tj ET Q q 0 0 0 rg BT 355.60 560.25 Td (to ) Tj ET Q q 0 0 0 rg BT 365.07 560.25 Td (be ) Tj ET Q q 0 0 0 rg BT 376.20 560.25 Td (applied ) Tj ET Q q 0 0 0 rg BT 407.32 560.25 Td (retrospectively ) Tj ET Q q 0 0 0 rg BT 468.43 560.25 Td (and ) Tj ET Q q 0 0 0 rg BT 484.56 560.25 Td (accordingly) Tj ET Q q 0 0 0 rg BT 531.12 560.25 Td (, ) Tj ET Q q 0 0 0 rg BT 535.31 560.25 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 89.17 548.25 Td (period ) Tj ET Q q 0 0 0 rg BT 116.95 548.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 153.06 548.25 Td (have ) Tj ET Q q 0 0 0 rg BT 174.17 548.25 Td (been ) Tj ET Q q 0 0 0 rg BT 195.28 548.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 226.39 548.25 Td (to ) Tj ET Q q 0 0 0 rg BT 236.39 548.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 272.50 548.25 Td (with ) Tj ET Q q 0 0 0 rg BT 292.51 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.96 548.25 Td (current ) Tj ET Q q 0 0 0 rg BT 337.50 548.25 Td (period ) Tj ET Q q 0 0 0 rg BT 365.28 548.25 Td (presentation. ) Tj ET Q q 0 0 0 rg BT 418.88 548.25 Td (For ) Tj ET Q q 0 0 0 rg BT 435.01 548.25 Td (further ) Tj ET Q q 0 0 0 rg BT 464.44 548.25 Td (discussion, ) Tj ET Q q 0 0 0 rg BT 510.84 548.25 Td (see ) Tj ET Q q 0 0 0 rg BT 525.84 548.25 Td (page ) Tj ET Q q 0 0 0 rg BT 546.95 548.25 Td (2 ) Tj ET Q q 0 0 0 rg BT 554.18 548.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.22 536.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 120.26 536.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 153.86 536.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 193.57 536.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 518.25 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (Represents ) Tj ET Q q 0 0 0 rg BT 114.20 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 129.24 518.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 170.39 518.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 207.10 518.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 246.01 518.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 267.16 518.25 Td (\("LCR"\) ) Tj ET Q q 0 0 0 rg BT 304.25 518.25 Td (based ) Tj ET Q q 0 0 0 rg BT 329.85 518.25 Td (on ) Tj ET Q q 0 0 0 rg BT 342.67 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 357.71 518.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 378.32 518.25 Td (LCR ) Tj ET Q q 0 0 0 rg BT 400.59 518.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 422.85 518.25 Td (which ) Tj ET Q q 0 0 0 rg BT 450.11 518.25 Td (became ) Tj ET Q q 0 0 0 rg BT 483.47 518.25 Td (ef) Tj ET Q q 0 0 0 rg BT 491.06 518.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 521.08 518.25 Td (January ) Tj ET Q q 0 0 0 rg BT 555.01 518.25 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 488.25 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 488.25 Td (High ) Tj ET Q q 0 0 0 rg BT 90.79 488.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 121.86 488.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 148.49 488.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 175.11 488.25 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 221.72 488.25 Td (is ) Tj ET Q q 0 0 0 rg BT 231.68 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 247.19 488.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 288.80 488.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 322.09 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 333.72 488.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 360.34 488.25 Td (that ) Tj ET Q q 0 0 0 rg BT 378.63 488.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 410.25 488.25 Td (for ) Tj ET Q q 0 0 0 rg BT 425.20 488.25 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 465.16 488.25 Td (in ) Tj ET Q q 0 0 0 rg BT 476.23 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.74 488.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 512.82 488.25 Td (LCR, ) Tj ET Q q 0 0 0 rg BT 538.06 488.25 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 476.25 Td (became ) Tj ET Q q 0 0 0 rg BT 100.53 476.25 Td (ef) Tj ET Q q 0 0 0 rg BT 108.12 476.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 137.82 476.25 Td (January ) Tj ET Q q 0 0 0 rg BT 171.42 476.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 181.42 476.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 458.25 Td (1) Tj ET Q q 0 0 0 rg BT 54.13 458.25 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 458.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 458.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.05 458.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.88 458.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.15 458.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.20 458.25 Td (to ) Tj ET Q q 0 0 0 rg BT 202.48 458.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.09 458.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.13 458.25 Td (new ) Tj ET Q q 0 0 0 rg BT 293.30 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 458.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.61 458.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.38 458.25 Td (including ) Tj ET Q q 0 0 0 rg BT 414.66 458.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.27 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.21 458.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.47 458.25 Td (The ) Tj ET Q q 0 0 0 rg BT 532.52 458.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.90 446.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 102.74 446.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.36 446.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.22 446.25 Td (small ) Tj ET Q q 0 0 0 rg BT 173.96 446.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.25 446.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.75 446.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.93 446.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.44 446.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.27 446.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.23 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.64 446.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.48 446.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 423.10 446.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.17 446.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 478.35 446.25 Td (& ) Tj ET Q q 0 0 0 rg BT 488.21 446.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.84 446.25 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 434.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 92.06 434.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 138.56 434.25 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 178.97 434.25 Td (& ) Tj ET Q q 0 0 0 rg BT 188.80 434.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 214.20 434.25 Td (and ) Tj ET Q q 0 0 0 rg BT 231.26 434.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 283.31 434.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 322.14 434.25 Td (The ) Tj ET Q q 0 0 0 rg BT 340.31 434.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 372.93 434.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.88 434.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 409.27 434.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 447.44 434.25 Td (to ) Tj ET Q q 0 0 0 rg BT 457.84 434.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 497.69 434.25 Td (and ) Tj ET Q q 0 0 0 rg BT 514.75 434.25 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 422.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 101.03 422.25 Td (including ) Tj ET Q q 0 0 0 rg BT 140.96 422.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 167.82 422.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 229.13 422.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 266.84 422.25 Td (and ) Tj ET Q q 0 0 0 rg BT 283.43 422.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 334.18 422.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 376.87 422.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 401.78 422.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 439.48 422.25 Td (by ) Tj ET Q q 0 0 0 rg BT 451.63 422.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.00 422.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 508.14 422.25 Td (& ) Tj ET Q q 0 0 0 rg BT 518.07 422.25 Td (Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 410.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.11 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.05 410.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 159.98 410.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 392.25 Td (12. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 392.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 94.94 392.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 141.82 392.25 Td (Solutions, ) Tj ET Q q 0 0 0 rg BT 185.11 392.25 Td (formerly ) Tj ET Q q 0 0 0 rg BT 223.11 392.25 Td (known ) Tj ET Q q 0 0 0 rg BT 253.33 392.25 Td (as ) Tj ET Q q 0 0 0 rg BT 264.67 392.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 292.11 392.25 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 333.43 392.25 Td (Services, ) Tj ET Q q 0 0 0 rg BT 372.81 392.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 409.15 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 424.37 392.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 451.81 392.25 Td (Paymentech, ) Tj ET Q q 0 0 0 rg BT 506.19 392.25 Td (ChaseNet ) Tj ET Q q 0 0 0 rg BT 548.07 392.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 94.44 380.25 Td (Of) Tj ET Q q 0 0 0 rg BT 104.81 380.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 122.30 380.25 Td (businesses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 362.25 Td (13. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 362.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 362.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 107.26 362.25 Td (in ) Tj ET Q q 0 0 0 rg BT 118.34 362.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.86 362.25 Td (second ) Tj ET Q q 0 0 0 rg BT 164.93 362.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 196.55 362.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.18 362.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 233.98 362.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 281.72 362.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 317.24 362.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 352.19 362.25 Td (\(formerly ) Tj ET Q q 0 0 0 rg BT 393.81 362.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 441.54 362.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 477.06 362.25 Td (fees\) ) Tj ET Q q 0 0 0 rg BT 499.79 362.25 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 552.52 362.25 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 350.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.81 350.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 145.57 350.25 Td (with ) Tj ET Q q 0 0 0 rg BT 166.02 350.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 212.56 350.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 247.45 350.25 Td (activities, ) Tj ET Q q 0 0 0 rg BT 288.71 350.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.82 350.25 Td (is ) Tj ET Q q 0 0 0 rg BT 315.15 350.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 351.13 350.25 Td (net ) Tj ET Q q 0 0 0 rg BT 366.02 350.25 Td (of ) Tj ET Q q 0 0 0 rg BT 377.01 350.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 423.56 350.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 458.44 350.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 492.75 350.25 Td (shared ) Tj ET Q q 0 0 0 rg BT 521.52 350.25 Td (with ) Tj ET Q q 0 0 0 rg BT 541.96 350.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 338.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 89.71 338.25 Td (of ) Tj ET Q q 0 0 0 rg BT 101.37 338.25 Td (business; ) Tj ET Q q 0 0 0 rg BT 141.36 338.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 186.90 338.25 Td (such ) Tj ET Q q 0 0 0 rg BT 208.55 338.25 Td (shared ) Tj ET Q q 0 0 0 rg BT 237.98 338.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 272.95 338.25 Td (had ) Tj ET Q q 0 0 0 rg BT 290.71 338.25 Td (been ) Tj ET Q q 0 0 0 rg BT 312.91 338.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 349.55 338.25 Td (in ) Tj ET Q q 0 0 0 rg BT 360.65 338.25 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 386.76 338.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 420.07 338.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 456.16 338.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.92 338.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 503.91 338.25 Td (Markets. ) Tj ET Q q 0 0 0 rg BT 542.50 338.25 Td (Prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 326.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 99.44 326.25 Td (have ) Tj ET Q q 0 0 0 rg BT 120.82 326.25 Td (been ) Tj ET Q q 0 0 0 rg BT 142.19 326.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 173.57 326.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.85 326.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 220.22 326.25 Td (with ) Tj ET Q q 0 0 0 rg BT 240.50 326.25 Td (the ) Tj ET Q q 0 0 0 rg BT 255.22 326.25 Td (current ) Tj ET Q q 0 0 0 rg BT 286.04 326.25 Td (period ) Tj ET Q q 0 0 0 rg BT 314.08 326.25 Td (presentation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 308.25 Td (14. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 308.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 308.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 107.19 308.25 Td (in ) Tj ET Q q 0 0 0 rg BT 118.19 308.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.64 308.25 Td (second ) Tj ET Q q 0 0 0 rg BT 164.63 308.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 196.18 308.25 Td (of ) Tj ET Q q 0 0 0 rg BT 207.73 308.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 233.23 308.25 Td (T) Tj ET Q q 0 0 0 rg BT 238.99 308.25 Td (rade ) Tj ET Q q 0 0 0 rg BT 259.42 308.25 Td (Finance ) Tj ET Q q 0 0 0 rg BT 294.30 308.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 329.18 308.25 Td (was ) Tj ET Q q 0 0 0 rg BT 347.96 308.25 Td (transferred ) Tj ET Q q 0 0 0 rg BT 394.49 308.25 Td (from ) Tj ET Q q 0 0 0 rg BT 416.92 308.25 Td (T) Tj ET Q q 0 0 0 rg BT 422.68 308.25 Td (reasury ) Tj ET Q q 0 0 0 rg BT 455.33 308.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 492.44 308.25 Td (to ) Tj ET Q q 0 0 0 rg BT 503.44 308.25 Td (Lending. ) Tj ET Q q 0 0 0 rg BT 542.50 308.25 Td (Prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 296.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 99.44 296.25 Td (have ) Tj ET Q q 0 0 0 rg BT 120.82 296.25 Td (been ) Tj ET Q q 0 0 0 rg BT 142.19 296.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 173.57 296.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.85 296.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 220.22 296.25 Td (with ) Tj ET Q q 0 0 0 rg BT 240.50 296.25 Td (the ) Tj ET Q q 0 0 0 rg BT 255.22 296.25 Td (current ) Tj ET Q q 0 0 0 rg BT 286.04 296.25 Td (period ) Tj ET Q q 0 0 0 rg BT 314.08 296.25 Td (presentation.) 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Tj ET Q q 0 0 0 rg BT 146.09 254.25 Td (s ) Tj ET Q q 0 0 0 rg BT 152.48 254.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 185.51 254.25 Td (sheets ) Tj ET Q q 0 0 0 rg BT 212.45 254.25 Td (and ) Tj ET Q q 0 0 0 rg BT 229.39 254.25 Td (results ) Tj ET Q q 0 0 0 rg BT 258.00 254.25 Td (of ) Tj ET Q q 0 0 0 rg BT 268.83 254.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 312.98 254.25 Td (were ) Tj ET Q q 0 0 0 rg BT 334.91 254.25 Td (not ) Tj ET Q q 0 0 0 rg BT 350.19 254.25 Td (impacted ) Tj ET Q q 0 0 0 rg BT 389.34 254.25 Td (by ) Tj ET Q q 0 0 0 rg BT 401.84 254.25 Td (this ) Tj ET Q q 0 0 0 rg BT 418.79 254.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 457.94 254.25 Td (change.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 725.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 75.99 725.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 91.74 725.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 117.48 725.70 Td (& ) Tj ET Q q 0 0 0 rg BT 126.56 725.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 142.03 725.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 175.56 725.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 198.54 725.70 Td (is ) Tj ET Q q 0 0 0 rg BT 206.51 725.70 Td (a ) Tj ET Q q 0 0 0 rg BT 212.25 725.70 Td (leading ) Tj ET Q q 0 0 0 rg BT 242.99 725.70 Td (global ) Tj ET Q q 0 0 0 rg BT 269.29 725.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 305.57 725.70 Td (services ) Tj ET Q q 0 0 0 rg BT 339.08 725.70 Td (firm ) Tj ET Q q 0 0 0 rg BT 357.61 725.70 Td (with ) Tj ET Q q 0 0 0 rg BT 376.69 725.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 401.32 725.70 Td (of) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 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(corporate, ) Tj ET Q q 0 0 0 rg BT 420.61 689.70 Td (institutional ) Tj ET Q q 0 0 0 rg BT 470.33 689.70 Td (and ) Tj ET Q q 0 0 0 rg BT 486.71 689.70 Td (government ) Tj ET Q q 0 0 0 rg BT 536.41 689.70 Td (clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.70 Td (under ) Tj ET Q q 0 0 0 rg BT 74.77 677.70 Td (its ) Tj ET Q q 0 0 0 rg BT 86.72 677.70 Td (J.P) Tj ET Q q 0 0 0 rg BT 97.56 677.70 Td (. ) Tj ET Q q 0 0 0 rg BT 102.56 677.70 Td (Mor) Tj ET Q q 0 0 0 rg BT 119.60 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 136.54 677.70 Td (and ) Tj ET Q q 0 0 0 rg BT 153.48 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 180.42 677.70 Td (brands. ) Tj ET Q q 0 0 0 rg BT 212.08 677.70 Td (Information ) Tj ET Q q 0 0 0 rg BT 262.34 677.70 Td (about ) Tj ET Q q 0 0 0 rg BT 287.06 677.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 313.55 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 330.49 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 357.43 677.70 Td (& ) Tj ET Q q 0 0 0 rg BT 367.71 677.70 Td (Co. ) Tj ET Q q 0 0 0 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