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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 15.5 58 m 365.5 58 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 58 m 595.5 58 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 18.00 49.26 Td (Investor Contact: Jason Scott \(212\) 270-7325) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 18.00 41.82 Td ( 1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 21.41 38.65 Td (For notes on key performance measures and non-GAAP) Tj ET Q q 0 0 0 rg BT 178.42 38.65 Td ( financial measures, including managed basis reporting,) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 18.00 28.65 Td ( see page 5. ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 18.00 18.70 Td ( For additional notes see page 6.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 49.26 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 132.30 704.80 Td (JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 264.17 704.80 Td (TS SECOND-QUAR) Tj ET Q q 0 0 0 rg BT 353.00 704.80 Td (TER 2016 NET) Tj ET Q q 0 0 0 rg BT 418.94 704.80 Td ( INCOME OF) Tj ET Q q 0 0 0 rg BT 479.68 704.80 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 222.35 686.80 Td ($6.2 BILLION, OR $1.55 PER SHARE ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.40 668.80 Td (13% RETURN ON ) Tj ET Q q 0 0 0 rg BT 273.95 668.80 Td (T) Tj ET Q q 0 0 0 rg BT 279.87 668.80 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 419.33 673.33 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.90 650.80 Td (16% GROWTH IN ) Tj ET Q q 0 0 0 rg BT 187.19 650.80 Td (A) Tj ET Q q 0 0 0 rg BT 193.12 650.80 Td (VERAGE CORE LOANS) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 304.25 655.33 Td (1 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.12 650.80 Td ( ) Tj ET Q q 0 0 0 rg BT 311.07 650.80 Td (AND 10% GROWTH IN RET) Tj ET Q q 0 0 0 rg BT 440.90 650.80 Td (AIL) Tj ET Q q 0 0 0 rg BT 458.13 650.80 Td ( DEPOSITS) Tj ET Q 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 640.3 m 17.5 636.3 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 640.3 m 593.5 636.3 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 640.3 m 593.5 640.3 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 636.3 m 593.5 636.3 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 615.35 Td (SECOND-QUAR) Tj ET Q q 0 0 0 rg BT 84.69 615.35 Td (TER RESUL) Tj ET Q q 0 0 0 rg BT 134.63 615.35 Td (TS) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 145.63 619.43 Td (2) Tj ET Q 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 85.50 598.85 130.00 -30.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 240.50 598.85 130.00 -30.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 395.50 598.85 130.00 -30.00 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 130.65 586.27 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 165.65 591.04 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 139.95 576.27 Td (13%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 250.75 586.27 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 335.01 586.27 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 355.58 591.04 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 291.05 576.27 Td (1) Tj ET Q q 1 1 1 rg BT 296.06 576.27 Td (1.9%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 418.35 586.27 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 478.16 586.27 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 492.60 591.04 Td (3,4) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 449.95 576.27 Td (56%) Tj ET Q BT /F1 6.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 527.00 569.35 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 21.00 543.05 68.00 -41.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 493.05 68.00 -23.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 470.05 68.00 -37.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 21.00 424.05 68.00 -24.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 21.00 400.05 68.00 -15.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 gs 21.00 376.05 68.00 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512.31 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 171.30 516.39 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 174.22 512.31 Td ( up 16% ) Tj ET Q q 0 0 0 rg BT 206.13 512.31 Td (Y) Tj ET Q q 0 0 0 rg BT 211.73 512.31 Td (oY) Tj ET Q q 0 0 0 rg BT 222.40 512.31 Td ( and 3% 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 43.65 478.97 Td (CCB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 480.79 cm /I3 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 484.31 Td (A) Tj ET Q q 0 0 0 rg BT 108.33 484.31 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 171.30 488.39 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 175.68 484.31 Td (up 23%; record growth in average ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 473.51 Td (deposits, up $54 billion, or 10%) 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 25.80 449.53 Td (2Q16 ROE 20%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 457.69 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 102.50 460.41 Td (Nearly 25 million active mobile customers, up 18%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 442.79 cm /I5 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 446.31 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 191.72 450.39 Td (5 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.11 446.31 Td (up 8% and Merchant ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 435.51 Td (processing volume up 13%) 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 45.85 409.47 Td (CIB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 411.79 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 102.50 415.31 Td (Maintained #1 ranking for Global Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 404.51 Td (Banking fees with 7.9% wallet share for 2Q16) 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 25.80 390.53 Td (2Q16 ROE 15%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 387.79 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 102.50 391.31 Td (Markets revenue up 23%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 47.25 364.67 Td (CB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 363.79 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 102.50 365.91 Td (Average loan balances up 13%) 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 25.80 346.03 Td (2Q16 ROE 16%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 347.79 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 102.50 351.31 Td (Gross Investment Banking revenue of $595 million) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 46.70 315.67 Td (AM) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 314.79 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 102.50 316.91 Td (Record average loan balances, up 4%) 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 25.80 297.03 Td (2Q16 ROE 22%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 298.84 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 102.50 302.31 Td (81% of mutual fund AUM ranked in the 1st or 2nd) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 291.51 Td (quartiles over 5 years) Tj ET Q BT /F1 10.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 329.50 543.05 240.00 -257.00 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 329.5 543.05 m 329.5 286.05 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 569.5 543.05 m 569.5 286.05 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 543.05 m 569.5 543.05 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 286.05 m 569.5 286.05 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 533.06 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 332.00 522.71 Td (results: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 360.25 522.71 Td (JPMor) Tj ET Q q 0 0 0 rg BT 389.91 522.71 Td (gan Chase continued to perform well in all of ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 512.35 Td (our major businesses.W) Tj ET Q q 0 0 0 rg BT 419.68 512.35 Td (e saw str) Tj ET Q q 0 0 0 rg BT 451.35 512.35 Td (ong underlying performance ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 502.00 Td (with r) Tj ET Q q 0 0 0 rg BT 352.92 502.00 Td (ecor) Tj ET Q q 0 0 0 rg BT 368.58 502.00 Td (d consumer deposits \(up 10%\), cr) Tj ET Q q 0 0 0 rg BT 489.73 502.00 Td (edit car) Tj ET Q q 0 0 0 rg BT 517.14 502.00 Td (d sales ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 491.65 Td (volume \(up 8%\), mer) Tj ET Q q 0 0 0 rg BT 407.64 491.65 Td (chant pr) Tj ET Q q 0 0 0 rg BT 437.56 491.65 Td (ocessing volume \(up 13%\) and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 481.30 Td (br) Tj ET Q q 0 0 0 rg BT 339.67 481.30 Td (oad cor) Tj ET Q q 0 0 0 rg BT 367.08 481.30 Td (e loan gr) Tj ET Q q 0 0 0 rg BT 399.25 481.30 Td (owth \(up 16%\) - particularly in mortgage and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 470.95 Td (commer) Tj ET Q q 0 0 0 rg BT 360.66 470.95 Td (cial r) Tj ET Q q 0 0 0 rg BT 379.57 470.95 Td (eal estate.Outside of ener) Tj ET Q q 0 0 0 rg BT 473.46 470.95 Td (gy) Tj ET Q q 0 0 0 rg BT 481.46 470.95 Td (, both wholesale and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 460.65 Td (consumer cr) Tj ET Q q 0 0 0 rg BT 376.41 460.65 Td (edit quality r) Tj ET Q q 0 0 0 rg BT 422.57 460.65 Td (emained very good.") Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 444.26 Td (Dimon added: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 385.49 444.26 Td (And thr) Tj ET Q q 0 0 0 rg BT 417.41 444.26 Td (oughout the r) Tj ET Q q 0 0 0 rg BT 465.58 444.26 Td (ecent uncertainty and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 433.95 Td (turbulence in the markets, we continued to be ther) Tj ET Q q 0 0 0 rg BT 512.37 433.95 Td (e for our ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 423.60 Td (clients - solid and steadfast to meet their needs, execute their ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 413.25 Td (transactions and pr) Tj ET Q q 0 0 0 rg BT 402.17 413.25 Td (ovide liquidity) Tj ET Q q 0 0 0 rg BT 453.41 413.25 Td (.") Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 396.91 Td (Dimon continued: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 399.49 396.91 Td (W) Tj ET Q q 0 0 0 rg BT 411.17 396.91 Td (e wer) Tj ET Q q 0 0 0 rg BT 430.58 396.91 Td (e also pleased to incr) Tj ET Q q 0 0 0 rg BT 507.23 396.91 Td (ease capital ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 386.55 Td (r) Tj ET Q q 0 0 0 rg BT 335.17 386.55 Td (eturn in the quarter and to r) Tj ET Q q 0 0 0 rg BT 436.33 386.55 Td (eceive a non-objection fr) Tj ET Q q 0 0 0 rg BT 525.71 386.55 Td (om the ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 376.20 Td (Federal Reserve for our new capital distribution plan that ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 365.85 Td (includes a meaningful incr) Tj ET Q q 0 0 0 rg BT 427.90 365.85 Td (ease in our equity buyback pr) Tj ET Q q 0 0 0 rg BT 534.29 365.85 Td (ogram." ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 349.51 Td (Dimon concluded:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 398.74 349.51 Td ( Overall, our performance r) Tj ET Q q 0 0 0 rg BT 504.14 349.51 Td (eflected the ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 339.15 Td (str) Tj ET Q q 0 0 0 rg BT 341.17 339.15 Td (ength of our balance sheet and our ability to invest in the ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 328.80 Td (futur) Tj ET Q q 0 0 0 rg BT 349.17 328.80 Td (e of our company) Tj ET Q q 0 0 0 rg BT 411.41 328.80 Td (.W) Tj ET Q q 0 0 0 rg BT 422.58 328.80 Td (e will continue to be a sour) Tj ET Q q 0 0 0 rg BT 520.24 328.80 Td (ce of ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 318.45 Td (str) Tj ET Q q 0 0 0 rg BT 341.17 318.45 Td (ength for our clients, communities, governments and markets ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 308.10 Td (ar) Tj ET Q q 0 0 0 rg BT 339.67 308.10 Td (ound the world.") Tj ET Q BT /F1 10.00 Tf ET 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 263.25 m 17.5 259.25 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 263.25 m 593.5 259.25 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 263.25 m 593.5 263.25 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 259.25 m 593.5 259.25 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 236.15 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 236.15 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 221.50 cm /I12 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 223.35 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 223.35 Td (T) Tj ET Q q 0 0 0 rg BT 34.87 223.35 Td (angible book value per share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 138.33 227.43 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 141.25 223.35 Td ( of $50.21, up 9%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 208.70 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 210.55 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 210.55 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 210.55 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 210.55 Td (ier 1 capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 169.47 214.63 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.86 210.55 Td (of $179 billion; ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 248.60 214.63 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.53 210.55 Td ( of 1) Tj ET Q q 0 0 0 rg BT 267.69 210.55 Td (1.9% ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 195.90 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 197.75 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 197.75 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 201.83 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 197.75 Td ( of 6.6% and Bank SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 155.18 201.83 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 158.10 197.75 Td ( of 6.6%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 184.10 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 185.95 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 185.95 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 124.26 190.03 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 127.18 185.95 Td ( ?HQLA) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 161.18 190.03 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 164.10 185.95 Td ( of $516 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 162.35 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 162.35 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 147.70 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 149.55 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 149.55 Td (2Q16 reported expense of $13.6 billion; reported overhead ratio of 56%;) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.9333333333333333 0.15294117647058825 0.1411764705882353 rg BT 291.17 149.55 Td ( ) Tj ET 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 30.00 138.75 Td (2Q16 adjusted expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 113.48 142.83 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 116.40 138.75 Td ( of $14.1 billion; adjusted overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 263.12 142.83 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.51 138.75 Td (of 56%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 118.95 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 45.33 118.95 Td (AL) Tj ET Q q 0 0 0 rg BT 57.34 118.95 Td ( RETURN) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 104.30 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 106.15 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 106.15 Td ($4.4 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 71.50 110.23 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.43 106.15 Td ( returned to shareholders in the second quarter) Tj ET Q /GS0 gs q 6.72 0 0 9.78 27.00 92.50 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 33.72 94.35 Td ( ) Tj ET Q q 0 0 0 rg BT 40.50 94.35 Td ($2.6 billion of net repurchases) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.72 98.43 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 151.18 94.35 Td (and common dividend of $0.48 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 236.15 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 236.15 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 221.50 cm /I19 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 223.35 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 223.35 Td ($1.2 trillion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 223.35 Td ( of credit and capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 436.46 227.43 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.39 223.35 Td ( raised ) Tj ET Q q 0 0 0 rg BT 465.04 223.35 Td (YTD) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 209.70 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 211.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 211.55 Td ($123 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 211.55 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 197.90 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 199.75 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 199.75 Td ($12 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 199.75 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 186.10 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 187.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 187.95 Td ($369 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 187.95 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 174.30 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 176.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 176.15 Td ($599 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 176.15 Td ( of capital raised for corporate clients and non-U.S. ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 165.35 Td (government entities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 151.70 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 153.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 153.55 Td ($47 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 153.55 Td ( of credit and capital raised for nonprofit and U.S. government ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 142.75 Td (entities, including states, municipalities, hospitals and universities) Tj ET 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 of r) Tj ET Q q 0 0 0 rg BT 133.02 742.10 Td (esults below of JPMor) Tj ET Q q 0 0 0 rg BT 222.36 742.10 Td (gan Chase as a Firm and of its business segments, information is pr) Tj ET Q q 0 0 0 rg BT 493.94 742.10 Td (esented on a ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (managed basis. For mor) Tj ET Q q 0 0 0 rg BT 147.46 730.10 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 403.38 730.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 473.01 730.10 Td (es and key ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (performance measur) Tj ET Q q 0 0 0 rg BT 132.17 718.10 Td (es used by management to evaluate the performance of each line of business, see page 5. Comparisons ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (noted in the sections below ar) Tj ET Q q 0 0 0 rg BT 168.84 706.10 Td (e calculated for the second quarter of 2016 versus the prior) Tj ET Q q 0 0 0 rg BT 407.49 706.10 Td (-year second quarter) Tj ET Q q 0 0 0 rg BT 490.25 706.10 Td (, unless otherwise ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (specified. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 683.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 675.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 668.50 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 652.10 Td (Net revenue on a reported basis totaled $24.4 billion, $23.2 billion, and $23.8 billion for the second quarter of 2016, first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 640.10 Td (quarter of 2016, and second quarter of 2015, respectively) Tj ET Q q 0 0 0 rg BT 277.66 640.10 Td (.) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 629.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 629.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 629.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 613.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 613.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 549.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 549.60 45.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 613.6 m 423 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 613.6 m 468 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 613.6 m 472 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 613.6 m 517 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 613.6 m 562 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 597.6 m 213 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 613.6 m 264 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 597.6 m 264 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 613.6 m 268 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 597.6 m 268 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 613.6 m 319 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 597.6 m 319 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 613.6 m 323 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 597.6 m 323 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 613.6 m 374 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 597.6 m 374 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 613.6 m 378 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 597.6 m 378 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 613.6 m 423 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 597.6 m 423 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 597.6 m 468 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 597.6 m 472 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 597.6 m 517 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 597.6 m 562 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 549.6 m 213 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 533.6 m 213 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 549.6 m 264 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 533.6 m 264 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 549.6 m 268 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 533.6 m 268 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 549.6 m 319 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 533.6 m 319 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 549.6 m 323 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 533.6 m 323 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 549.6 m 374 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 533.6 m 374 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 549.6 m 378 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 533.6 m 378 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 549.6 m 423 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 533.6 m 423 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 549.6 m 468 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 533.6 m 468 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 549.6 m 472 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 533.6 m 472 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 549.6 m 517 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 533.6 m 517 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 549.6 m 562 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 533.6 m 562 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 517.6 m 213 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 517.6 m 264 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 517.6 m 268 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 517.6 m 319 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 517.6 m 323 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 517.6 m 374 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 517.6 m 378 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 517.6 m 423 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 517.6 m 468 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 517.6 m 472 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 517.6 m 517 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 517.6 m 562 517.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 501.6 m 213 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 501.6 m 264 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 501.6 m 268 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 501.6 m 319 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 501.6 m 323 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 501.6 m 374 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 501.6 m 378 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 501.6 m 423 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 501.6 m 468 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 501.6 m 472 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 501.6 m 517 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 501.6 m 562 501.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 618.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 618.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 618.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 602.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 602.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 602.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 602.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 602.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 602.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 602.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 602.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.17 Td (Net revenue - managed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 586.27 Td (25,214) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 586.27 Td (24,083) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 586.27 Td (24,531) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 586.27 Td (1,131) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 586.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 586.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 586.27 Td (683) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 586.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 586.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 572.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 570.27 Td (13,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 570.27 Td (13,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 570.27 Td (14,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 570.32 Td (\(199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 570.32 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 570.32 Td (\(862) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 570.27 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 556.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 554.27 Td (1,402) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 554.27 Td (1,824) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 554.27 Td (935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 554.32 Td (\(422) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 554.32 Td (\(23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 554.27 Td (467) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 554.27 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 540.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 538.27 Td (6,200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 538.27 Td (5,520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 538.27 Td (6,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 538.27 Td (680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 538.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 538.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 538.32 Td (\(90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 538.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 538.27 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 538.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 524.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 522.27 Td (1.55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 522.27 Td (1.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 522.27 Td (1.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 522.27 Td (0.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 522.27 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 522.27 Td (0.01) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 522.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 508.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 506.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 506.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 506.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 472.10 Td (Net income was $6.2 billion, relatively flat compared with the prior) Tj ET Q q 0 0 0 rg BT 319.78 472.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 370.58 472.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (Net revenue was $25.2 billion, up 3%. Net interest income was $1) Tj ET Q q 0 0 0 rg BT 314.07 454.10 Td (1.7 billion, up 6%, primarily driven by loan growth and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (impact of higher rates, partially of) Tj ET Q q 0 0 0 rg BT 185.94 442.10 Td (fset by lower investment securities balances. Noninterest revenue of $13.6 billion was flat, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (with the increase in CIB Markets revenue lar) Tj ET Q q 0 0 0 rg BT 228.98 430.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 256.84 430.10 Td (fset by lower revenue in ) Tj ET Q q 0 0 0 rg BT 355.42 430.10 Td (Asset Management, lower CIB Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (Banking revenue and the impact of renegotiated Card co-brand partnership agreements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 400.10 Td (Noninterest expense was $13.6 billion, down 6%, driven by lower legal expense and continued expense reduction initiatives. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (The provision for credit losses was $1.4 billion, up from $935 million due to reserve increases in the current quarter versus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (reserve releases in the prior) Tj ET Q q 0 0 0 rg BT 159.25 370.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 210.20 370.10 Td (, and higher net char) Tj ET Q q 0 0 0 rg BT 291.93 370.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 312.84 370.10 Td (fs. ) Tj ET Q q 0 0 0 rg BT 324.89 370.10 Td (The Consumer provision reflected an increase in reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (primarily driven by higher loss rates in newer Card vintages, in line with expectations, as well as growth in the Card and ) Tj ET Q q 0 0 0 rg BT 533.27 358.10 Td (Auto ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (portfolios, partially of) Tj ET Q q 0 0 0 rg BT 137.36 346.10 Td (fset by releases for Mortgage Banking and Student loans. ) Tj ET Q q 0 0 0 rg BT 368.79 346.10 Td (The ) Tj ET Q q 0 0 0 rg BT 386.65 346.10 Td (Wholesale provision reflected higher net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (char) Tj ET Q q 0 0 0 rg BT 66.53 334.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 87.44 334.10 Td (fs primarily driven by Oil & Gas and Metals & Mining and a reserve build of approximately $50 million, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (reflected a net increase of approximately $200 million, driven by one Oil & Gas name in the CIB, and of) Tj ET Q q 0 0 0 rg BT 468.36 322.10 Td (fsetting net releases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (across the remainder of the portfolio.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 290.60 511.00 -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 52.50 282.95 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 275.50 Td (CONSUMER & COMMUNITY BANKING \(CCB\)) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 260.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 260.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 260.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 260.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 260.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 260.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 260.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 260.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 260.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 260.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 245.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 245.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 245.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 245.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 245.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 245.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 245.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 245.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 422.50 245.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 245.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 245.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 516.50 245.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 49.50 140.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 230.50 140.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 275.50 140.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 279.50 140.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 324.50 140.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 328.50 140.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 373.50 140.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 377.50 140.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 422.50 140.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 467.50 140.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 471.50 140.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 516.50 140.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 245.60000000000002 m 422.5 245.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 245.60000000000002 m 467.5 245.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 245.60000000000002 m 471.5 245.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 245.60000000000002 m 516.5 245.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 245.60000000000002 m 561.5 245.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 230.60000000000002 m 230.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 230.60000000000002 m 275.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 230.60000000000002 m 279.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 230.60000000000002 m 324.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 230.60000000000002 m 328.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 230.60000000000002 m 373.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 230.60000000000002 m 377.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 230.60000000000002 m 422.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 230.60000000000002 m 467.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 230.60000000000002 m 471.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 230.60000000000002 m 516.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 230.60000000000002 m 275.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 230.60000000000002 m 467.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 230.60000000000002 m 471.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 230.60000000000002 m 516.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 230.60000000000002 m 561.5 230.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 140.60000000000002 m 230.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 125.60000000000002 m 230.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 140.60000000000002 m 275.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 125.60000000000002 m 275.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 140.60000000000002 m 279.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 125.60000000000002 m 279.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 140.60000000000002 m 324.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 125.60000000000002 m 324.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 140.60000000000002 m 328.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 125.60000000000002 m 328.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 140.60000000000002 m 373.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 125.60000000000002 m 373.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 140.60000000000002 m 377.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 125.60000000000002 m 377.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 140.60000000000002 m 422.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 125.60000000000002 m 422.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 140.60000000000002 m 467.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 125.60000000000002 m 467.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 140.60000000000002 m 471.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 125.60000000000002 m 471.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 140.60000000000002 m 516.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 125.60000000000002 m 516.5 125.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 140.60000000000002 m 561.5 140.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 125.60000000000002 m 561.5 125.60000000000002 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 250.27 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.85 250.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.85 250.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 235.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.35 235.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.35 235.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.35 235.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 235.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.10 235.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 235.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 235.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 221.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 220.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 220.27 Td (11,451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 220.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.10 220.27 Td (11,117) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 220.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.10 220.27 Td (11,015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 220.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 220.27 Td (334) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 220.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 220.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 220.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 220.27 Td (436) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 220.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 220.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 206.17 Td (Consumer & Business Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 205.27 Td (4,616) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 205.27 Td (4,550) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 205.27 Td (4,483) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 205.27 Td (66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 205.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 205.27 Td (133) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 205.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 191.17 Td (Mortgage Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 190.27 Td (1,921) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 190.27 Td (1,876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 190.27 Td (1,833) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 190.27 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 190.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.65 190.27 Td (88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 190.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 176.17 Td (Card, Commerce Solutions & Auto) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 175.27 Td (4,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 175.27 Td (4,691) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 175.27 Td (4,699) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 175.27 Td (223) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 175.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 175.27 Td (215) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 175.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 161.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 160.27 Td (6,004) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 160.27 Td (6,088) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 160.27 Td (6,210) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 160.32 Td (\(84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 160.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 160.32 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 160.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 160.32 Td (\(206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 160.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 160.32 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 160.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 146.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 145.27 Td (1,201) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 145.27 Td (1,050) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.65 145.27 Td (702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 145.27 Td (151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 145.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 145.27 Td (499) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 145.27 Td (71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 131.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 130.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 130.27 Td (2,656) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 130.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 130.27 Td (2,490) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 130.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 130.27 Td (2,533) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 130.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 130.27 Td (166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 130.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 130.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 130.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 130.27 Td (123) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 130.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 130.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 108.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 108.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 108.10 Td (Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.39 90.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.28 90.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.28 90.10 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 136.23 90.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.30 90.10 Td (an ) Tj ET Q q 0 0 0 rg BT 179.19 90.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.40 90.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.18 90.10 Td (5%. ) Tj ET Q q 0 0 0 rg BT 243.46 90.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 260.35 90.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 294.45 90.10 Td (was ) Tj ET Q q 0 0 0 rg BT 312.46 90.10 Td ($1) Tj ET Q q 0 0 0 rg BT 322.09 90.10 Td (1.5 ) Tj ET Q q 0 0 0 rg BT 337.04 90.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 368.10 90.10 Td (including ) Tj ET Q q 0 0 0 rg BT 408.33 90.10 Td (nearly ) Tj ET Q q 0 0 0 rg BT 435.77 90.10 Td ($200 ) Tj ET Q q 0 0 0 rg BT 458.22 90.10 Td (million ) Tj ET Q q 0 0 0 rg BT 489.57 90.10 Td (of ) Tj ET Q q 0 0 0 rg BT 500.35 90.10 Td (non-core ) Tj ET Q q 0 0 0 rg BT 538.34 90.10 Td (items, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.10 Td (principally ) Tj ET Q q 0 0 0 rg BT 95.30 78.10 Td (related ) Tj ET Q q 0 0 0 rg BT 124.97 78.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.23 78.10 Td (a ) Tj ET Q q 0 0 0 rg BT 142.14 78.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 161.83 78.10 Td (on ) Tj ET Q q 0 0 0 rg BT 174.31 78.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.00 78.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 207.02 78.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.65 78.10 Td (V) Tj ET Q q 0 0 0 rg BT 224.27 78.10 Td (isa ) Tj ET Q q 0 0 0 rg BT 237.86 78.10 Td (Europe ) Tj ET Q q 0 0 0 rg BT 269.21 78.10 Td (and ) Tj ET Q q 0 0 0 rg BT 286.12 78.10 Td (mark-to-market ) Tj ET Q q 0 0 0 rg BT 351.35 78.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 377.71 78.10 Td (on ) Tj ET Q q 0 0 0 rg BT 390.19 78.10 Td (Square. ) Tj ET Q q 0 0 0 rg BT 422.93 78.10 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 466.51 78.10 Td (these ) Tj ET Q q 0 0 0 rg BT 489.54 78.10 Td (items, ) Tj ET Q q 0 0 0 rg BT 516.18 78.10 Td (net ) Tj ET Q q 0 0 0 rg BT 530.87 78.10 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.10 Td (would ) Tj ET Q q 0 0 0 rg BT 77.00 66.10 Td (have ) Tj ET Q q 0 0 0 rg BT 98.38 66.10 Td (been ) Tj ET Q q 0 0 0 rg BT 119.75 66.10 Td (up ) Tj ET Q q 0 0 0 rg BT 132.25 66.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 148.08 66.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 190.01 66.10 Td (with ) Tj ET Q q 0 0 0 rg BT 210.29 66.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.00 66.10 Td (prior) Tj ET Q q 0 0 0 rg BT 244.24 66.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 267.28 66.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 298.09 66.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 326.14 66.10 Td (by ) Tj ET Q q 0 0 0 rg BT 338.64 66.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 366.69 66.10 Td (net ) Tj ET Q q 0 0 0 rg BT 381.40 66.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 413.34 66.10 Td (income ) Tj ET Q q 0 0 0 rg BT 445.27 66.10 Td (on ) Tj ET Q q 0 0 0 rg BT 457.77 66.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 485.82 66.10 Td (volumes.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.7529411764705882 0 0 rg BT 522.21 66.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 49.50 46.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.09 46.60 Td (& ) Tj ET Q q 0 0 0 rg BT 103.34 46.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 141.38 46.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 177.74 46.60 Td (net ) Tj ET Q q 0 0 0 rg BT 192.44 46.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 226.56 46.60 Td (was ) Tj ET Q q 0 0 0 rg BT 244.59 46.60 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 264.57 46.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 295.66 46.60 Td (up ) Tj ET Q q 0 0 0 rg BT 308.13 46.60 Td (3%, ) Tj ET Q q 0 0 0 rg BT 326.44 46.60 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 367.23 46.60 Td (strong ) Tj ET Q q 0 0 0 rg BT 394.70 46.60 Td (deposit ) Tj ET Q q 0 0 0 rg BT 426.07 46.60 Td (and ) Tj ET Q q 0 0 0 rg BT 442.98 46.60 Td (account ) Tj ET Q q 0 0 0 rg BT 476.55 46.60 Td (growth, ) Tj ET Q q 0 0 0 rg BT 509.86 46.60 Td (lar) Tj ET Q q 0 0 0 rg BT 520.23 46.60 Td (gely ) Tj ET Q q 0 0 0 rg BT 539.92 46.60 Td (of) Tj ET Q q 0 0 0 rg BT 548.07 46.60 Td (fset ) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 740.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.59 740.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 89.77 740.10 Td (compression.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.7529411764705882 0 0 rg BT 142.82 740.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 144.90 740.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 185.87 740.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 221.84 740.10 Td (net ) Tj ET Q q 0 0 0 rg BT 236.14 740.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 269.88 740.10 Td (was ) Tj ET Q q 0 0 0 rg BT 287.51 740.10 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 307.10 740.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 337.80 740.10 Td (up ) Tj ET Q q 0 0 0 rg BT 349.89 740.10 Td (5%, ) Tj ET Q q 0 0 0 rg BT 367.80 740.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 395.44 740.10 Td (by ) Tj ET Q q 0 0 0 rg BT 407.52 740.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 444.60 740.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 475.02 740.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.55 740.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 519.18 740.10 Td (production ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 86.55 728.10 Td (lar) Tj ET Q q 0 0 0 rg BT 96.91 728.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 117.03 728.10 Td (of) Tj ET Q q 0 0 0 rg BT 125.18 728.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 142.52 728.10 Td (by ) Tj ET Q q 0 0 0 rg BT 155.42 728.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 181.09 728.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 220.65 728.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 257.70 728.10 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 301.70 728.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 362.36 728.10 Td ($200 ) Tj ET Q q 0 0 0 rg BT 385.27 728.10 Td (million ) Tj ET Q q 0 0 0 rg BT 417.06 728.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.29 728.10 Td (non-core ) Tj ET Q q 0 0 0 rg BT 466.73 728.10 Td (items, ) Tj ET Q q 0 0 0 rg BT 493.80 728.10 Td (Card, ) Tj ET Q q 0 0 0 rg BT 518.64 728.10 Td (Commerce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.10 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 89.46 716.10 Td (& ) Tj ET Q q 0 0 0 rg BT 98.93 716.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 121.10 716.10 Td (net ) Tj ET Q q 0 0 0 rg BT 135.49 716.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 169.30 716.10 Td (would ) Tj ET Q q 0 0 0 rg BT 196.47 716.10 Td (have ) Tj ET Q q 0 0 0 rg BT 217.52 716.10 Td (been ) Tj ET Q q 0 0 0 rg BT 238.57 716.10 Td (flat, ) Tj ET Q q 0 0 0 rg BT 256.56 716.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 284.28 716.10 Td (by ) Tj ET Q q 0 0 0 rg BT 296.45 716.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 324.17 716.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 343.55 716.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 365.71 716.10 Td (and ) Tj ET Q q 0 0 0 rg BT 382.32 716.10 Td (card ) Tj ET Q q 0 0 0 rg BT 401.70 716.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 423.31 716.10 Td (volumes, ) Tj ET Q q 0 0 0 rg BT 461.86 716.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.47 716.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 506.19 716.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 525.58 716.10 Td (balances, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 704.10 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 704.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 75.04 704.10 Td (by ) Tj ET Q q 0 0 0 rg BT 88.00 704.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.17 704.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 133.33 704.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.62 704.10 Td (renegotiated ) Tj ET Q q 0 0 0 rg BT 196.99 704.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 219.38 704.10 Td (co-brand ) Tj ET Q q 0 0 0 rg BT 257.87 704.10 Td (partnership ) Tj ET Q q 0 0 0 rg BT 305.81 704.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 354.30 704.10 Td (and ) Tj ET Q q 0 0 0 rg BT 371.69 704.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 400.19 704.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 453.68 704.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.97 704.10 Td (new ) Tj ET Q q 0 0 0 rg BT 484.58 704.10 Td (account ) Tj ET Q q 0 0 0 rg BT 518.63 704.10 Td (origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.10 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 673.60 Td (Noninterest expense was $6.0 billion, a decrease of 3%, driven by continued expense initiatives and lower legal expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 655.10 Td (The provision for credit losses was $1.2 billion, an increase of $499 million, reflecting a net reserve build detailed in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 643.10 Td (JPMor) Tj ET Q q 0 0 0 rg BT 75.99 643.10 Td (gan Chase section above, compared with a release in the prior) Tj ET Q q 0 0 0 rg BT 323.20 643.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 374.00 643.10 Td (.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 632.60 511.00 -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 52.50 624.95 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 617.50 Td (CORPORATE & INVESTMENT BANK \(CIB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 602.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 602.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 602.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 602.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 602.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 602.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 602.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 602.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 602.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 602.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 587.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 587.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 587.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 587.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 587.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 587.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 587.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 587.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 587.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 587.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 587.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 587.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 497.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 497.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 497.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 497.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 497.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 497.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 497.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 497.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 497.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 497.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 497.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 497.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 587.6 m 423 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 587.6 m 468 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 587.6 m 472 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 587.6 m 517 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 587.6 m 562 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 572.6 m 231 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 572.6 m 276 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 572.6 m 280 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 572.6 m 325 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 572.6 m 329 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 572.6 m 374 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 572.6 m 378 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 572.6 m 423 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 572.6 m 468 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 572.6 m 472 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 572.6 m 517 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 572.6 m 562 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 572.6 m 276 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 572.6 m 280 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 572.6 m 325 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 572.6 m 329 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 572.6 m 374 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 572.6 m 378 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 572.6 m 423 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 572.6 m 468 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 572.6 m 472 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 572.6 m 517 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 572.6 m 562 572.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 497.6 m 231 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 482.6 m 231 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 497.6 m 276 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 482.6 m 276 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 497.6 m 280 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 482.6 m 280 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 497.6 m 325 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 482.6 m 325 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 497.6 m 329 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 482.6 m 329 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 497.6 m 374 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 482.6 m 374 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 497.6 m 378 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 482.6 m 378 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 497.6 m 423 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 482.6 m 423 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 497.6 m 468 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 482.6 m 468 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 497.6 m 472 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 482.6 m 472 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 497.6 m 517 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 482.6 m 517 482.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 497.6 m 562 497.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 482.6 m 562 482.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 592.27 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 592.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 592.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 577.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 577.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 577.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 577.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 577.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 577.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 577.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 577.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 563.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 562.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 562.27 Td (9,165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 562.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 562.27 Td (8,135) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 562.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 562.27 Td (8,723) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 562.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 562.27 Td (1,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 562.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 562.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 562.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 562.27 Td (442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 562.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 562.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 548.17 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 547.27 Td (2,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 547.27 Td (2,417) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 547.27 Td (2,949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 547.27 Td (244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 547.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 547.32 Td (\(288) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 547.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 547.32 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 547.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 533.17 Td (Markets & Investor Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 532.27 Td (6,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 532.27 Td (5,718) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 532.27 Td (5,774) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 532.27 Td (786) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 532.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 532.27 Td (730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 532.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 518.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 517.27 Td (5,078) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 517.27 Td (4,808) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 517.27 Td (5,137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 517.27 Td (270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 517.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 517.32 Td (\(59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 517.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 517.32 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 517.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 503.17 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 502.27 Td (235) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 502.27 Td (459) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 502.27 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 502.32 Td (\(224) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 502.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 502.32 Td (\(49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 502.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 502.27 Td (185) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.15 502.27 Td (370) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 488.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 487.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 487.27 Td (2,493) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 487.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 487.27 Td (1,979) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 487.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 487.27 Td (2,341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 487.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 487.27 Td (514) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 487.27 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 487.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 487.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 487.27 Td (152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 487.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 487.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 465.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 453.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 453.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 453.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 453.10 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 136.42 453.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 453.10 Td (an ) Tj ET Q q 0 0 0 rg BT 179.48 453.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.73 453.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.56 453.10 Td (6%. ) Tj ET Q q 0 0 0 rg BT 243.89 453.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 260.83 453.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 294.97 453.10 Td (was ) Tj ET Q q 0 0 0 rg BT 313.03 453.10 Td ($9.2 ) Tj ET Q q 0 0 0 rg BT 333.03 453.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 364.14 453.10 Td (an ) Tj ET Q q 0 0 0 rg BT 376.08 453.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 411.33 453.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.16 453.10 Td (5%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 85.72 435.10 Td (revenuewas ) Tj ET Q q 0 0 0 rg BT 137.75 435.10 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 157.59 435.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 188.53 435.10 Td (down ) Tj ET Q q 0 0 0 rg BT 213.09 435.10 Td (10%. ) Tj ET Q q 0 0 0 rg BT 236.25 435.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 283.02 435.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 319.24 435.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 353.22 435.10 Td (was ) Tj ET Q q 0 0 0 rg BT 371.11 435.10 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 390.94 435.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 421.89 435.10 Td (down ) Tj ET Q q 0 0 0 rg BT 446.44 435.10 Td (15%, ) Tj ET Q q 0 0 0 rg BT 469.61 435.10 Td (lar) Tj ET Q q 0 0 0 rg BT 479.97 435.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 499.52 435.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 527.41 435.10 Td (by ) Tj ET Q q 0 0 0 rg BT 539.74 435.10 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 76.00 423.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 129.15 423.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 146.75 423.10 Td (on ) Tj ET Q q 0 0 0 rg BT 158.25 423.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 182.52 423.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 216.80 423.10 Td (issuance. ) Tj ET Q q 0 0 0 rg BT 254.57 423.10 Td (The ) Tj ET Q q 0 0 0 rg BT 271.62 423.10 Td (business ) Tj ET Q q 0 0 0 rg BT 307.02 423.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 347.95 423.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.23 423.10 Td (rank ) Tj ET Q q 0 0 0 rg BT 376.50 423.10 Td (#1 ) Tj ET Q q 0 0 0 rg BT 388.00 423.10 Td (in ) Tj ET Q q 0 0 0 rg BT 397.28 423.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 426.00 423.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 471.94 423.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 507.32 423.10 Td (fees. ) Tj ET Q q 0 0 0 rg BT 527.32 423.10 Td (T) Tj ET Q q 0 0 0 rg BT 533.07 423.10 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 85.59 411.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 119.44 411.10 Td (was ) Tj ET Q q 0 0 0 rg BT 137.20 411.10 Td ($892 ) Tj ET Q q 0 0 0 rg BT 159.41 411.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 193.01 411.10 Td (down ) Tj ET Q q 0 0 0 rg BT 217.44 411.10 Td (1%. ) Tj ET Q q 0 0 0 rg BT 235.48 411.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 271.02 411.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 304.87 411.10 Td (was ) Tj ET Q q 0 0 0 rg BT 322.63 411.10 Td ($277 ) Tj ET Q q 0 0 0 rg BT 344.84 411.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 378.45 411.10 Td (down ) Tj ET Q q 0 0 0 rg BT 402.88 411.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 420.92 411.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 461.44 411.10 Td (mark-to-market ) Tj ET Q q 0 0 0 rg BT 526.39 411.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.50 411.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 79.77 399.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.60 399.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 121.96 399.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 381.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 84.20 381.10 Td (& ) Tj ET Q q 0 0 0 rg BT 93.91 381.10 Td (Investor ) Tj ET Q q 0 0 0 rg BT 128.62 381.10 Td (Servicesrevenue ) Tj ET Q q 0 0 0 rg BT 198.57 381.10 Td (was ) Tj ET Q q 0 0 0 rg BT 216.06 381.10 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 235.49 381.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 266.04 381.10 Td (up ) Tj ET Q q 0 0 0 rg BT 277.97 381.10 Td (13%, ) Tj ET Q q 0 0 0 rg BT 300.74 381.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 328.22 381.10 Td (by ) Tj ET Q q 0 0 0 rg BT 340.15 381.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 367.63 381.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 402.33 381.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 438.41 381.10 Td (up ) Tj ET Q q 0 0 0 rg BT 450.34 381.10 Td (23%. ) Tj ET Q q 0 0 0 rg BT 473.11 381.10 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 497.82 381.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 529.74 381.10 Td (Markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 369.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 86.60 369.10 Td (up ) Tj ET Q q 0 0 0 rg BT 99.55 369.10 Td (35%, ) Tj ET Q q 0 0 0 rg BT 123.34 369.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 161.26 369.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 189.22 369.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 242.69 369.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.43 369.10 Td (Rates ) Tj ET Q q 0 0 0 rg BT 278.60 369.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.99 369.10 Td (Currencies ) Tj ET Q q 0 0 0 rg BT 342.26 369.10 Td (& ) Tj ET Q q 0 0 0 rg BT 352.99 369.10 Td (Emer) Tj ET Q q 0 0 0 rg BT 374.47 369.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 395.20 369.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 430.92 369.10 Td (on ) Tj ET Q q 0 0 0 rg BT 443.88 369.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 472.38 369.10 Td (client ) Tj ET Q q 0 0 0 rg BT 497.54 369.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 522.72 369.10 Td (as ) Tj ET Q q 0 0 0 rg BT 534.00 369.10 Td (well ) Tj ET Q q 0 0 0 rg BT 554.17 369.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 357.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 89.84 357.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 142.38 357.10 Td (in ) Tj ET Q q 0 0 0 rg BT 152.17 357.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 179.18 357.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.64 357.10 Td (Securitized ) Tj ET Q q 0 0 0 rg BT 242.63 357.10 Td (Products ) Tj ET Q q 0 0 0 rg BT 279.65 357.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 307.21 357.10 Td (by ) Tj ET Q q 0 0 0 rg BT 319.23 357.10 Td (better ) Tj ET Q q 0 0 0 rg BT 344.01 357.10 Td (market ) Tj ET Q q 0 0 0 rg BT 373.79 357.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 419.97 357.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 448.65 357.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 483.43 357.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 517.09 357.10 Td (was ) Tj ET Q q 0 0 0 rg BT 534.66 357.10 Td (up ) Tj ET Q q 0 0 0 rg BT 546.68 357.10 Td (2%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 345.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 91.43 345.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 127.81 345.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 161.96 345.10 Td (was ) Tj ET Q q 0 0 0 rg BT 180.01 345.10 Td ($907 ) Tj ET Q q 0 0 0 rg BT 202.51 345.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 236.40 345.10 Td (down ) Tj ET Q q 0 0 0 rg BT 261.12 345.10 Td (9%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 76.12 327.10 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 128.76 327.10 Td (& ) Tj ET Q q 0 0 0 rg BT 138.63 327.10 Td (Other) Tj ET Q q 0 0 0 rg BT 160.99 327.10 Td (, ) Tj ET Q q 0 0 0 rg BT 165.58 327.10 Td (was ) Tj ET Q q 0 0 0 rg BT 183.21 327.10 Td ($38 ) Tj ET Q q 0 0 0 rg BT 200.30 327.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 233.78 327.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 275.29 327.10 Td (with ) Tj ET Q q 0 0 0 rg BT 295.15 327.10 Td ($272 ) Tj ET Q q 0 0 0 rg BT 317.23 327.10 Td (million ) Tj ET Q q 0 0 0 rg BT 348.21 327.10 Td (in ) Tj ET Q q 0 0 0 rg BT 358.07 327.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.38 327.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 393.90 327.10 Td (year) Tj ET Q q 0 0 0 rg BT 410.55 327.10 Td (. ) Tj ET Q q 0 0 0 rg BT 414.99 327.10 Td (The ) Tj ET Q q 0 0 0 rg BT 432.62 327.10 Td (prior) Tj ET Q q 0 0 0 rg BT 451.86 327.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 474.48 327.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 504.88 327.10 Td (included ) Tj ET Q q 0 0 0 rg BT 541.40 327.10 Td (gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.00 315.10 Td (wider ) Tj ET Q q 0 0 0 rg BT 87.27 315.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 120.88 315.10 Td (spreads.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 297.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 297.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 297.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 297.10 Td ($5.1 ) Tj ET Q q 0 0 0 rg BT 171.41 297.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 297.10 Td (down ) Tj ET Q q 0 0 0 rg BT 227.25 297.10 Td (1%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.18 279.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.09 279.10 Td (for ) Tj ET Q q 0 0 0 rg BT 120.88 279.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.78 279.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.80 279.10 Td (was ) Tj ET Q q 0 0 0 rg BT 189.49 279.10 Td ($235 ) Tj ET Q q 0 0 0 rg BT 211.62 279.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 245.15 279.10 Td (an ) Tj ET Q q 0 0 0 rg BT 256.72 279.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 291.60 279.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.07 279.10 Td ($185 ) Tj ET Q q 0 0 0 rg BT 324.20 279.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 357.72 279.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 398.17 279.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 425.85 279.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 460.74 279.10 Td (in ) Tj ET Q q 0 0 0 rg BT 470.65 279.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.00 279.10 Td (Oil ) Tj ET Q q 0 0 0 rg BT 499.91 279.10 Td (& ) Tj ET Q q 0 0 0 rg BT 509.82 279.10 Td (Gas ) Tj ET Q q 0 0 0 rg BT 527.51 279.10 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 77.55 267.10 Td (by ) Tj ET Q q 0 0 0 rg BT 90.05 267.10 Td (one ) Tj ET Q q 0 0 0 rg BT 106.99 267.10 Td (name.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 247.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 52.50 232.50 Td (COMMERCIAL BANKING \(CB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 217.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 217.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 217.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 217.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 217.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 217.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 217.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 217.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 217.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 217.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 202.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 202.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 202.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 202.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 202.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 202.60 45.00 -15.00 re 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0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 127.60000000000002 m 329 127.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 142.60000000000002 m 374 142.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 127.60000000000002 m 374 127.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 142.60000000000002 m 378 142.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 127.60000000000002 m 378 127.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 142.60000000000002 m 423 142.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 127.60000000000002 m 423 127.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 142.60000000000002 m 468 142.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 127.60000000000002 m 468 127.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 142.60000000000002 m 472 142.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 127.60000000000002 m 472 127.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 142.60000000000002 m 517 142.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 127.60000000000002 m 517 127.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 142.60000000000002 m 562 142.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 127.60000000000002 m 562 127.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 207.27 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 207.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 207.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 192.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 192.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 192.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 192.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 192.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 192.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 192.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 192.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 178.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 177.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 177.27 Td (1,817) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 177.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 177.27 Td (1,803) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 177.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 177.27 Td (1,739) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 177.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 177.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 177.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 177.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 177.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 177.27 Td (78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 177.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 177.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 163.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 162.27 Td (731) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 162.27 Td (713) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 162.27 Td (703) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 162.27 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 162.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 162.27 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 162.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 148.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.80 147.27 Td (\(25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 147.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 147.27 Td (304) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 147.27 Td (182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 147.32 Td (\(329) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 147.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 147.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 147.32 Td (\(207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 147.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 147.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 133.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 132.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 132.27 Td (696) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 132.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 132.27 Td (496) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 132.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 132.27 Td (525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 132.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 132.27 Td (200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 132.27 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 132.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 132.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 132.27 Td (171) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 132.27 Td (33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 132.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 110.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 110.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 110.10 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 98.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 98.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 98.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 98.10 Td ($696 ) Tj ET Q q 0 0 0 rg BT 138.92 98.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 98.10 Td (an ) Tj ET Q q 0 0 0 rg BT 184.75 98.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.01 98.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.84 98.10 Td (33%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 80.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.09 80.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.90 80.10 Td (was ) Tj ET Q q 0 0 0 rg BT 117.60 80.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 137.26 80.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 168.03 80.10 Td (up ) Tj ET Q q 0 0 0 rg BT 180.18 80.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 198.17 80.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 238.64 80.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 266.34 80.10 Td (net ) Tj ET Q q 0 0 0 rg BT 280.71 80.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 312.30 80.10 Td (income ) Tj ET Q q 0 0 0 rg BT 343.89 80.10 Td (from ) Tj ET Q q 0 0 0 rg BT 365.48 80.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 393.19 80.10 Td (average ) Tj ET Q q 0 0 0 rg BT 426.43 80.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 445.80 80.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 482.38 80.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.97 80.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 530.02 80.10 Td (spreads. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 62.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 62.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 62.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 62.10 Td ($731 ) Tj ET Q q 0 0 0 rg BT 173.91 62.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 207.81 62.10 Td (up ) Tj ET Q q 0 0 0 rg BT 220.31 62.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 238.64 62.10 Td (due ) Tj ET Q q 0 0 0 rg BT 255.57 62.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.85 62.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 307.79 62.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 358.06 62.10 Td (in ) Tj ET Q q 0 0 0 rg BT 368.34 62.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 415.27 62.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.21 62.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 472.46 62.10 Td (hiring ) Tj ET Q q 0 0 0 rg BT 498.85 62.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.68 62.10 Td (bankers. ) 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 BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 740.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.20 740.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.13 740.10 Td (for ) Tj ET Q q 0 0 0 rg BT 120.95 740.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.87 740.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.91 740.10 Td (was ) Tj ET Q q 0 0 0 rg BT 189.62 740.10 Td (a ) Tj ET Q q 0 0 0 rg BT 196.21 740.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 226.13 740.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.62 740.10 Td ($25 ) Tj ET Q q 0 0 0 rg BT 253.77 740.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 287.32 740.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 328.90 740.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.83 740.10 Td (an ) Tj ET Q q 0 0 0 rg BT 350.42 740.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 384.79 740.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.27 740.10 Td ($182 ) Tj ET Q q 0 0 0 rg BT 417.43 740.10 Td (million ) Tj ET Q q 0 0 0 rg BT 448.47 740.10 Td (in ) Tj ET Q q 0 0 0 rg BT 458.40 740.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.78 740.10 Td (prior) Tj ET Q q 0 0 0 rg BT 492.01 740.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 514.71 740.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 542.47 740.10 Td (. ) Tj ET Q q 0 0 0 rg BT 546.97 740.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (current ) Tj ET Q q 0 0 0 rg BT 81.07 728.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 112.64 728.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 143.66 728.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 176.34 728.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 219.03 728.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 247.29 728.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 278.31 728.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 304.33 728.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 358.10 728.10 Td (in ) Tj ET Q q 0 0 0 rg BT 369.14 728.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.61 728.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 422.86 728.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.56 728.10 Td (somewhat ) Tj ET Q q 0 0 0 rg BT 484.36 728.10 Td (more ) Tj ET Q q 0 0 0 rg BT 508.16 728.10 Td (stable ) Tj ET Q q 0 0 0 rg BT 534.74 728.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 93.67 716.10 Td (in ) Tj ET Q q 0 0 0 rg BT 103.94 716.10 Td (Oil ) Tj ET Q q 0 0 0 rg BT 119.22 716.10 Td (& ) Tj ET Q q 0 0 0 rg BT 129.50 716.10 Td (Gas ) Tj ET Q q 0 0 0 rg BT 147.55 716.10 Td (while ) Tj ET Q q 0 0 0 rg BT 172.27 716.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.99 716.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 208.92 716.10 Td (year ) Tj ET Q q 0 0 0 rg BT 228.63 716.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 266.10 716.10 Td (select ) Tj ET Q q 0 0 0 rg BT 291.37 716.10 Td (downgrades.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 696.60 511.00 -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 52.50 688.95 148.71 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 681.50 Td (ASSET MANAGEMENT \(AM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 666.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 666.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 666.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 666.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 666.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 666.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 666.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 666.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 666.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 666.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 651.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 651.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 651.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 651.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 651.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 651.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 651.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 651.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 651.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 651.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 651.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 651.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 591.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 591.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 591.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 591.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 591.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 591.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 591.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 591.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 591.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 591.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 591.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 591.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 651.6 m 423 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 651.6 m 468 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 651.6 m 472 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 651.6 m 517 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 651.6 m 562 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 636.6 m 231 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 636.6 m 276 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 636.6 m 280 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 636.6 m 325 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 636.6 m 329 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 636.6 m 374 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 636.6 m 378 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 636.6 m 423 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 636.6 m 468 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 636.6 m 472 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 636.6 m 517 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 636.6 m 562 636.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 591.6 m 231 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 576.6 m 231 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 591.6 m 276 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 576.6 m 276 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 591.6 m 280 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 576.6 m 280 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 591.6 m 325 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 576.6 m 325 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 591.6 m 329 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 576.6 m 329 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 591.6 m 374 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 576.6 m 374 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 591.6 m 378 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 576.6 m 378 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 591.6 m 423 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 576.6 m 423 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 591.6 m 468 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 576.6 m 468 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 591.6 m 472 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 576.6 m 472 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 591.6 m 517 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 576.6 m 517 576.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 591.6 m 562 591.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 576.6 m 562 576.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 656.27 Td (Results for AM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 656.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 656.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 641.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 641.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 641.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 641.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 641.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 641.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 641.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 641.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 627.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 626.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 626.27 Td (2,939) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 626.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 626.27 Td (2,972) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 626.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 626.27 Td (3,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 626.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 626.32 Td (\(33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 626.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 626.27 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 626.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 626.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 626.32 Td (\(236) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 626.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 626.27 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 626.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 612.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 611.27 Td (2,098) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 611.27 Td (2,075) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 611.27 Td (2,406) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 611.27 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 611.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 611.32 Td (\(308) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 611.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 611.27 Td (\(13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 611.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 597.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.80 596.27 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 596.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 596.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 596.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 596.32 Td (\(21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 596.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 596.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.80 596.32 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 596.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 596.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 582.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 581.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 581.27 Td (521) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 581.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 581.27 Td (587) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 581.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 581.27 Td (451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 581.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 581.32 Td (\(66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 581.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 581.27 Td (\(11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 581.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 581.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 581.27 Td (70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 581.27 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 581.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 559.10 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 559.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 547.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 547.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 547.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 547.10 Td ($521 ) Tj ET Q q 0 0 0 rg BT 138.92 547.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 547.10 Td (an ) Tj ET Q q 0 0 0 rg BT 184.75 547.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.01 547.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.84 547.10 Td (16%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 529.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.32 529.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.35 529.10 Td (was ) Tj ET Q q 0 0 0 rg BT 118.28 529.10 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 138.16 529.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 169.16 529.10 Td (a ) Tj ET Q q 0 0 0 rg BT 175.98 529.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 212.77 529.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.49 529.10 Td (7%, ) Tj ET Q q 0 0 0 rg BT 241.70 529.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 269.63 529.10 Td (by ) Tj ET Q q 0 0 0 rg BT 282.01 529.10 Td (weaker ) Tj ET Q q 0 0 0 rg BT 313.26 529.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 349.79 529.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 374.95 529.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 427.85 529.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 446.33 529.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.15 529.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 488.30 529.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 530.66 529.10 Td (activity) Tj ET Q q 0 0 0 rg BT 560.00 529.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 511.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.23 511.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.50 511.10 Td (was ) Tj ET Q q 0 0 0 rg BT 153.13 511.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 173.70 511.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 205.38 511.10 Td (a ) Tj ET Q q 0 0 0 rg BT 212.89 511.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 250.38 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 261.78 511.10 Td (13%, ) Tj ET Q q 0 0 0 rg BT 285.68 511.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 325.96 511.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 354.58 511.10 Td (by ) Tj ET Q q 0 0 0 rg BT 367.65 511.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 393.49 511.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 416.00 511.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 453.56 511.10 Td (The ) Tj ET Q q 0 0 0 rg BT 472.17 511.10 Td (prior) Tj ET Q q 0 0 0 rg BT 491.41 511.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 515.02 511.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 546.41 511.10 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 499.10 Td (included ) Tj ET Q q 0 0 0 rg BT 86.43 499.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.37 499.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 111.43 499.10 Td (on ) Tj ET Q q 0 0 0 rg BT 123.93 499.10 Td (an ) Tj ET Q q 0 0 0 rg BT 135.87 499.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 157.81 499.10 Td (held ) Tj ET Q q 0 0 0 rg BT 177.53 499.10 Td (for ) Tj ET Q q 0 0 0 rg BT 191.69 499.10 Td (sale. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 481.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 77.92 481.10 Td (under ) Tj ET Q q 0 0 0 rg BT 103.00 481.10 Td (management ) Tj ET Q q 0 0 0 rg BT 156.40 481.10 Td (were ) Tj ET Q q 0 0 0 rg BT 178.13 481.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 197.94 481.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 229.97 481.10 Td (down ) Tj ET Q q 0 0 0 rg BT 254.50 481.10 Td (5%, ) Tj ET Q q 0 0 0 rg BT 272.64 481.10 Td (due ) Tj ET Q q 0 0 0 rg BT 289.39 481.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.48 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.00 481.10 Td (ef) Tj ET Q q 0 0 0 rg BT 321.59 481.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 338.88 481.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.52 481.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 374.60 481.10 Td (market ) Tj ET Q q 0 0 0 rg BT 404.67 481.10 Td (levels, ) Tj ET Q q 0 0 0 rg BT 432.80 481.10 Td (outflows ) Tj ET Q q 0 0 0 rg BT 470.11 481.10 Td (from ) Tj ET Q q 0 0 0 rg BT 491.86 481.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 528.06 481.10 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 469.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 469.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 88.38 469.10 Td (sales. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 449.60 511.00 -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 52.50 441.95 69.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 434.50 Td (CORPORATE) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 419.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 419.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 419.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 419.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 419.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 419.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 419.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 419.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 419.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 419.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 404.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 404.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 404.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 404.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 404.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 404.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 374.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 374.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 374.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 374.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 374.60 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 374.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 359.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 359.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 359.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 359.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 359.60 4.00 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/GS0 gs 423.00 344.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 344.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 344.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 344.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 404.6 m 423 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 404.6 m 468 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 404.6 m 472 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 404.6 m 517 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 404.6 m 562 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 389.6 m 231 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 389.6 m 276 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 389.6 m 280 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 389.6 m 325 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 389.6 m 329 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 389.6 m 374 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 389.6 m 378 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 389.6 m 423 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 389.6 m 468 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 389.6 m 472 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 389.6 m 517 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 389.6 m 562 389.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 344.6 m 231 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 329.6 m 231 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 344.6 m 276 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 329.6 m 276 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 344.6 m 280 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 329.6 m 280 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 344.6 m 325 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 329.6 m 325 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 344.6 m 329 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 329.6 m 329 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 344.6 m 374 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 329.6 m 374 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 344.6 m 378 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 329.6 m 378 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 344.6 m 423 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 329.6 m 423 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 344.6 m 468 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 329.6 m 468 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 344.6 m 472 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 329.6 m 472 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 344.6 m 517 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 329.6 m 517 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 344.6 m 562 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 329.6 m 562 329.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 409.27 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 409.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 409.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 394.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 394.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 394.27 Td (1Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 394.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 394.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 394.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 394.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 394.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 380.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 379.27 Td (\(158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 379.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 379.27 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 379.32 Td (\(121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 379.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 379.32 Td (\(214) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 379.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 379.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 379.32 Td (\(37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 379.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 379.27 Td (\(31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 379.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 365.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 364.27 Td (\(273) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 364.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 364.27 Td (153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 364.27 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 364.32 Td (\(426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 364.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 364.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 364.32 Td (\(317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 364.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 364.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 350.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.80 349.27 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 349.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 349.32 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 349.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 349.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 349.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 349.27 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.80 349.32 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 349.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 349.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 335.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 334.27 Td (\(166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 334.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 334.32 Td (\(32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 334.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 334.27 Td (440) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 334.32 Td (\(134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 334.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.45 334.27 Td (\(419) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 334.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 334.32 Td (\(606) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 334.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 334.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 318.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 300.10 Td (Net loss was $166 million, compared with net income of $440 million in the prior) Tj ET Q q 0 0 0 rg BT 376.75 300.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 427.55 300.10 Td (. ) Tj ET Q q 0 0 0 rg BT 432.37 300.10 Td (The current quarter included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 288.10 Td (two items that substantially of) Tj ET Q q 0 0 0 rg BT 169.86 288.10 Td (fset each other: a net legal benefit and the impact of tax items in the quarter) Tj ET Q q 0 0 0 rg BT 471.13 288.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.10 Td (Net revenue was a loss of $158 million, compared with a loss of $121 million in the prior) Tj ET Q q 0 0 0 rg BT 407.01 270.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 457.82 270.10 Td (. Noninterest expense was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.10 Td (a benefit of $273 million, down $317 million, driven by a net legal benefit in the current quarter) Tj ET Q q 0 0 0 rg BT 433.01 258.10 Td (.) 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 (key ) Tj ET Q q 0 0 0 rg BT 116.44 740.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 173.92 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 205.40 740.25 Td (es ) Tj ET Q q 0 0 0 rg BT 216.23 740.25 Td (and ) Tj ET Q q 0 0 0 rg BT 234.85 740.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 282.08 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 284.58 740.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 324.31 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 355.79 740.25 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 716.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 716.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 716.25 Td (key ) Tj ET Q q 0 0 0 rg BT 106.44 716.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 163.92 716.25 Td (measur) Tj ET Q q 0 0 0 rg BT 195.40 716.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 692.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.91 692.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 103.60 692.25 Td (common ) Tj ET Q q 0 0 0 rg BT 139.84 692.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 166.09 692.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 204.26 692.25 Td (return ) Tj ET Q q 0 0 0 rg BT 229.39 692.25 Td (on ) Tj ET Q q 0 0 0 rg BT 240.64 692.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 274.11 692.25 Td (common ) Tj ET Q q 0 0 0 rg BT 310.35 692.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 336.60 692.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 386.17 692.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.86 692.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 435.32 692.25 Td (book ) Tj ET Q q 0 0 0 rg BT 456.57 692.25 Td (value ) Tj ET Q q 0 0 0 rg BT 479.48 692.25 Td (per ) Tj ET Q q 0 0 0 rg BT 493.50 692.25 Td (share ) Tj ET Q q 0 0 0 rg BT 515.85 692.25 Td (\(TBVPS\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 680.25 Td (are ) Tj ET Q q 0 0 0 rg BT 83.52 680.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 130.65 680.25 Td (key ) Tj ET Q q 0 0 0 rg BT 148.90 680.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 187.70 680.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 242.04 680.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 285.28 680.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 307.98 680.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 352.33 680.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.37 680.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 390.59 680.25 Td (s ) Tj ET Q q 0 0 0 rg BT 398.30 680.25 Td (common ) Tj ET Q q 0 0 0 rg BT 437.11 680.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 490.24 680.25 Td ( ) Tj ET Q q 0 0 0 rg BT 494.06 680.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 522.87 680.25 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 544.73 680.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 668.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 120.63 668.25 Td ( ) Tj ET Q q 0 0 0 rg BT 123.59 668.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 151.54 668.25 Td (less ) Tj ET Q q 0 0 0 rg BT 169.49 668.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 209.08 668.25 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 236.47 668.25 Td (less ) Tj ET Q q 0 0 0 rg BT 254.43 668.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 292.94 668.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.33 668.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 358.82 668.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 401.77 668.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 428.05 668.25 Td (\(other ) Tj ET Q q 0 0 0 rg BT 454.88 668.25 Td (than ) Tj ET Q q 0 0 0 rg BT 475.05 668.25 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 508.85 668.25 Td (net ) Tj ET Q q 0 0 0 rg BT 524.02 668.25 Td (of ) Tj ET Q q 0 0 0 rg BT 535.31 668.25 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 656.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 103.65 656.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 118.70 656.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 161.26 656.25 Td (For ) Tj ET Q q 0 0 0 rg BT 177.99 656.25 Td (a ) Tj ET Q q 0 0 0 rg BT 185.27 656.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 243.08 656.25 Td (from ) Tj ET Q q 0 0 0 rg BT 265.36 656.25 Td (common ) Tj ET Q q 0 0 0 rg BT 303.19 656.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 356.33 656.25 Td ( ) Tj ET Q q 0 0 0 rg BT 359.17 656.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 387.00 656.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.41 656.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 421.64 656.25 Td (see ) Tj ET Q q 0 0 0 rg BT 437.25 656.25 Td (page ) Tj ET Q q 0 0 0 rg BT 458.96 656.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 466.80 656.25 Td (of ) Tj ET Q q 0 0 0 rg BT 477.97 656.25 Td (the ) Tj ET Q q 0 0 0 rg BT 493.03 656.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 531.42 656.25 Td (Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 106.59 644.25 Td (Supplement. ) Tj ET Q q 0 0 0 rg BT 158.75 644.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 193.40 644.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 232.49 644.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.59 644.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 268.81 644.25 Td (s ) Tj ET Q q 0 0 0 rg BT 274.58 644.25 Td (net ) Tj ET Q q 0 0 0 rg BT 288.68 644.25 Td (income ) Tj ET Q q 0 0 0 rg BT 320.00 644.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 362.96 644.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.62 644.25 Td (common ) Tj ET Q q 0 0 0 rg BT 409.50 644.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 436.37 644.25 Td (as ) Tj ET Q q 0 0 0 rg BT 446.58 644.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.90 644.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 498.08 644.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.29 644.25 Td (average ) Tj ET Q q 0 0 0 rg BT 541.12 644.25 Td (TCE. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 632.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 101.70 632.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 145.31 632.25 Td (the ) Tj ET Q q 0 0 0 rg BT 160.61 632.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 188.60 632.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 210.56 632.25 Td (at ) Tj ET Q q 0 0 0 rg BT 220.86 632.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 267.25 632.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 300.32 632.25 Td (by ) Tj ET Q q 0 0 0 rg BT 313.40 632.25 Td (common ) Tj ET Q q 0 0 0 rg BT 351.47 632.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 379.53 632.25 Td (at ) Tj ET Q q 0 0 0 rg BT 389.83 632.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 438.50 632.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 462.96 632.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 498.81 632.25 Td (and ) Tj ET Q q 0 0 0 rg BT 516.11 632.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 550.31 632.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 115.54 620.25 Td (to ) Tj ET Q q 0 0 0 rg BT 125.82 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.54 620.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 164.99 620.25 Td (as ) Tj ET Q q 0 0 0 rg BT 175.82 620.25 Td (well ) Tj ET Q q 0 0 0 rg BT 195.53 620.25 Td (as ) Tj ET Q q 0 0 0 rg BT 206.36 620.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 244.97 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 261.91 620.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 299.13 620.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.40 620.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 349.13 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 363.84 620.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 386.07 620.25 Td (s ) Tj ET Q q 0 0 0 rg BT 392.46 620.25 Td (use ) Tj ET Q q 0 0 0 rg BT 408.29 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.12 620.25 Td (equity) Tj ET Q q 0 0 0 rg BT 443.47 620.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 596.25 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 596.25 Td (Core ) Tj ET Q q 0 0 0 rg BT 89.56 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 113.29 596.25 Td (include ) Tj ET Q q 0 0 0 rg BT 145.35 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 169.08 596.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 215.01 596.25 Td (central ) Tj ET Q q 0 0 0 rg BT 244.84 596.25 Td (to ) Tj ET Q q 0 0 0 rg BT 255.24 596.25 Td (the ) Tj ET Q q 0 0 0 rg BT 270.08 596.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 292.30 596.25 Td (s ) Tj ET Q q 0 0 0 rg BT 298.82 596.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 334.22 596.25 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 381.84 596.25 Td (core ) Tj ET Q q 0 0 0 rg BT 401.67 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 425.40 596.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 459.12 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 482.85 596.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 523.23 596.25 Td (as ) Tj ET Q q 0 0 0 rg BT 534.18 596.25 Td (trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.61 584.25 Td (runof) Tj ET Q q 0 0 0 rg BT 117.09 584.25 Td (f ) Tj ET Q q 0 0 0 rg BT 122.71 584.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 166.37 584.25 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 219.76 584.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 260.93 584.25 Td (and ) Tj ET Q q 0 0 0 rg BT 277.65 584.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 318.82 584.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.32 584.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 355.05 584.25 Td (has ) Tj ET Q q 0 0 0 rg BT 370.66 584.25 Td (an ) Tj ET Q q 0 0 0 rg BT 382.39 584.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 407.44 584.25 Td (to ) Tj ET Q q 0 0 0 rg BT 417.50 584.25 Td (exit. ) Tj ET Q q 0 0 0 rg BT 437.28 584.25 Td (For ) Tj ET Q q 0 0 0 rg BT 453.45 584.25 Td (further ) Tj ET Q q 0 0 0 rg BT 482.94 584.25 Td (information ) Tj ET Q q 0 0 0 rg BT 532.44 584.25 Td (on ) Tj ET Q q 0 0 0 rg BT 544.72 584.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 91.11 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.05 572.25 Td (core ) Tj ET Q q 0 0 0 rg BT 127.75 572.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 153.86 572.25 Td (see ) Tj ET Q q 0 0 0 rg BT 169.13 572.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 194.40 572.25 Td (3, ) Tj ET Q q 0 0 0 rg BT 204.40 572.25 Td (12, ) Tj ET Q q 0 0 0 rg BT 219.40 572.25 Td (16, ) Tj ET Q q 0 0 0 rg BT 234.40 572.25 Td (19, ) Tj ET Q q 0 0 0 rg BT 249.40 572.25 Td (21 ) Tj ET Q q 0 0 0 rg BT 261.90 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.84 572.25 Td (23 ) Tj ET Q q 0 0 0 rg BT 291.34 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.17 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 316.88 572.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 354.93 572.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 388.53 572.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 428.24 572.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 548.25 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 109.65 548.25 Td (as ) Tj ET Q q 0 0 0 rg BT 120.13 548.25 Td (of ) Tj ET Q q 0 0 0 rg BT 130.61 548.25 Td (June ) Tj ET Q q 0 0 0 rg BT 151.10 548.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 165.75 548.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 190.41 548.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 229.79 548.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 256.78 548.25 Td (T) Tj ET Q q 0 0 0 rg BT 262.54 548.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 275.24 548.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 282.40 548.25 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 323.98 548.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 355.28 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.65 548.25 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 395.69 548.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 416.17 548.25 Td (and ) Tj ET Q q 0 0 0 rg BT 432.77 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.14 548.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 508.17 548.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 544.18 548.25 Td (ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 536.25 Td (\(SLR\) ) Tj ET Q q 0 0 0 rg BT 103.72 536.25 Td (under ) Tj ET Q q 0 0 0 rg BT 128.84 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 143.40 536.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 167.96 536.25 Td (III ) Tj ET Q q 0 0 0 rg BT 179.78 536.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 222.67 536.25 Td (Fully ) Tj ET Q q 0 0 0 rg BT 246.13 536.25 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 288.47 536.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 317.46 536.25 Td (rules, ) Tj ET Q q 0 0 0 rg BT 341.75 536.25 Td (to ) Tj ET Q q 0 0 0 rg BT 351.87 536.25 Td (which ) Tj ET Q q 0 0 0 rg BT 378.66 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 393.22 536.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 415.01 536.25 Td (will ) Tj ET Q q 0 0 0 rg BT 432.92 536.25 Td (be ) Tj ET Q q 0 0 0 rg BT 444.70 536.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 475.37 536.25 Td (as ) Tj ET Q q 0 0 0 rg BT 486.05 536.25 Td (of ) Tj ET Q q 0 0 0 rg BT 496.73 536.25 Td (January ) Tj ET Q q 0 0 0 rg BT 530.17 536.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 540.02 536.25 Td (2019, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 524.25 Td (are ) Tj ET Q q 0 0 0 rg BT 81.69 524.25 Td (each ) Tj ET Q q 0 0 0 rg BT 101.99 524.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 147.29 524.25 Td (key ) Tj ET Q q 0 0 0 rg BT 163.71 524.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 206.79 524.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 235.42 524.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 276.97 524.25 Td (These ) Tj ET Q q 0 0 0 rg BT 302.83 524.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 342.02 524.25 Td (are ) Tj ET Q q 0 0 0 rg BT 356.21 524.25 Td (used ) Tj ET Q q 0 0 0 rg BT 376.53 524.25 Td (by ) Tj ET Q q 0 0 0 rg BT 388.51 524.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 444.08 524.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 465.51 524.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 509.98 524.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 548.07 524.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 512.25 Td (analysts ) Tj ET Q q 0 0 0 rg BT 104.20 512.25 Td (to ) Tj ET Q q 0 0 0 rg BT 116.46 512.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 145.39 512.25 Td (and ) Tj ET Q q 0 0 0 rg BT 164.31 512.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 200.46 512.25 Td (the ) Tj ET Q q 0 0 0 rg BT 217.17 512.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 239.39 512.25 Td (s ) Tj ET Q q 0 0 0 rg BT 247.77 512.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 278.90 512.25 Td (position. ) Tj ET Q q 0 0 0 rg BT 318.11 512.25 Td (For ) Tj ET Q q 0 0 0 rg BT 336.49 512.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 380.96 512.25 Td (information ) Tj ET Q q 0 0 0 rg BT 432.66 512.25 Td (on ) Tj ET Q q 0 0 0 rg BT 447.14 512.25 Td (these ) Tj ET Q q 0 0 0 rg BT 472.18 512.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 516.37 512.25 Td (see ) Tj ET Q q 0 0 0 rg BT 533.62 512.25 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 500.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 121.92 500.25 Td (on ) Tj ET Q q 0 0 0 rg BT 134.14 500.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 159.13 500.25 Td (149-158 ) Tj ET Q q 0 0 0 rg BT 194.68 500.25 Td (of ) Tj ET Q q 0 0 0 rg BT 205.23 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 219.66 500.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 246.53 500.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 278.19 500.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 307.63 500.25 Td (on ) Tj ET Q q 0 0 0 rg BT 319.85 500.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 343.74 500.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 366.51 500.25 Td (for ) Tj ET Q q 0 0 0 rg BT 380.39 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 394.82 500.25 Td (year ) Tj ET Q q 0 0 0 rg BT 414.25 500.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 440.35 500.25 Td (December ) Tj ET Q q 0 0 0 rg BT 483.65 500.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 498.37 500.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 523.09 500.25 Td (and ) Tj ET Q q 0 0 0 rg BT 539.74 500.25 Td (pages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 488.25 Td (54-60 ) Tj ET Q q 0 0 0 rg BT 93.33 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.16 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 118.88 488.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 141.10 488.25 Td (s ) Tj ET Q q 0 0 0 rg BT 147.50 488.25 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 188.31 488.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 218.03 488.25 Td (on ) Tj ET Q q 0 0 0 rg BT 230.53 488.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 254.70 488.25 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 277.75 488.25 Td (for ) Tj ET Q q 0 0 0 rg BT 291.91 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.63 488.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 337.44 488.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 363.82 488.25 Td (March ) Tj ET Q q 0 0 0 rg BT 392.42 488.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 407.42 488.25 Td (2016.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 452.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 452.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 452.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 136.17 452.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.67 452.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.40 452.25 Td (measur) Tj ET Q q 0 0 0 rg BT 209.88 452.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 428.25 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 428.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.98 428.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.91 428.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.84 428.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.86 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.23 428.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 205.53 428.25 Td (results ) Tj ET Q q 0 0 0 rg BT 233.79 428.25 Td (on ) Tj ET Q q 0 0 0 rg BT 245.94 428.25 Td (a ) Tj ET Q q 0 0 0 rg BT 252.53 428.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 288.00 428.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 312.65 428.25 Td (management ) Tj ET Q q 0 0 0 rg BT 365.89 428.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 399.14 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 413.51 428.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 440.81 428.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.57 428.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.49 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.86 428.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 416.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 91.40 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.91 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.20 416.25 Td (results ) Tj ET Q q 0 0 0 rg BT 153.38 416.25 Td (of ) Tj ET Q q 0 0 0 rg BT 164.78 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.07 416.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 202.03 416.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.43 416.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 252.90 416.25 Td (on ) Tj ET Q q 0 0 0 rg BT 265.97 416.25 Td (a ) Tj ET Q q 0 0 0 rg BT 273.48 416.25 Td (managed?) Tj ET Q q 0 0 0 rg BT 321.53 416.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 347.10 416.25 Td (which ) Tj ET Q q 0 0 0 rg BT 374.61 416.25 Td (are ) Tj ET Q q 0 0 0 rg BT 389.89 416.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 435.08 416.25 Td ( ) Tj ET Q q 0 0 0 rg BT 438.15 416.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 476.20 416.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 518.76 416.25 Td (The ) Tj ET Q q 0 0 0 rg BT 537.38 416.25 Td (Firm's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 404.25 Td (definition ) Tj ET Q q 0 0 0 rg BT 108.90 404.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.74 404.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 158.35 404.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 180.86 404.25 Td (starts ) Tj ET Q q 0 0 0 rg BT 204.48 404.25 Td (with ) Tj ET Q q 0 0 0 rg BT 224.77 404.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.50 404.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 275.33 404.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 295.63 404.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 322.49 404.25 Td ( ) Tj ET Q q 0 0 0 rg BT 325.00 404.25 Td (results ) Tj ET Q q 0 0 0 rg BT 353.62 404.25 Td (and ) Tj ET Q q 0 0 0 rg BT 370.57 404.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 406.41 404.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 436.13 404.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 503.06 404.25 Td (to ) Tj ET Q q 0 0 0 rg BT 513.35 404.25 Td (present ) Tj ET Q q 0 0 0 rg BT 544.74 404.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 392.25 Td (net ) Tj ET Q q 0 0 0 rg BT 81.42 392.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 114.77 392.25 Td (for ) Tj ET Q q 0 0 0 rg BT 128.13 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.05 392.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.20 392.25 Td (\(and ) Tj ET Q q 0 0 0 rg BT 182.67 392.25 Td (each ) Tj ET Q q 0 0 0 rg BT 202.69 392.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.73 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.65 392.25 Td (business ) Tj ET Q q 0 0 0 rg BT 262.24 392.25 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 304.49 392.25 Td (on ) Tj ET Q q 0 0 0 rg BT 316.19 392.25 Td (a ) Tj ET Q q 0 0 0 rg BT 322.34 392.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 342.93 392.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 418.48 392.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 453.50 392.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 477.33 392.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 526.66 392.25 Td (, ) Tj ET Q q 0 0 0 rg BT 530.87 392.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.25 Td (from ) Tj ET Q q 0 0 0 rg BT 89.14 380.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 139.11 380.25 Td (that ) Tj ET Q q 0 0 0 rg BT 156.31 380.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 187.37 380.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 201.79 380.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 230.65 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.29 380.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 294.47 380.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 334.43 380.25 Td (is ) Tj ET Q q 0 0 0 rg BT 343.31 380.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 383.82 380.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.80 380.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.22 380.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 446.51 380.25 Td (results ) Tj ET Q q 0 0 0 rg BT 474.82 380.25 Td (on ) Tj ET Q q 0 0 0 rg BT 487.03 380.25 Td (a ) Tj ET Q q 0 0 0 rg BT 493.67 380.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 515.87 380.25 Td (comparable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 368.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.49 368.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 108.57 368.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 158.56 368.25 Td (and ) Tj ET Q q 0 0 0 rg BT 175.21 368.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 217.53 368.25 Td (These ) Tj ET Q q 0 0 0 rg BT 243.61 368.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 288.80 368.25 Td ( ) Tj ET Q q 0 0 0 rg BT 291.01 368.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 328.20 368.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 367.62 368.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 392.05 368.25 Td (management ) Tj ET Q q 0 0 0 rg BT 445.35 368.25 Td (to ) Tj ET Q q 0 0 0 rg BT 455.34 368.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 482.00 368.25 Td (the ) Tj ET Q q 0 0 0 rg BT 496.43 368.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 554.18 368.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 356.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.34 356.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 130.75 356.25 Td (from ) Tj ET Q q 0 0 0 rg BT 152.38 356.25 Td (both ) Tj ET Q q 0 0 0 rg BT 172.34 356.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 203.41 356.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.04 356.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 267.21 356.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 301.73 356.25 Td (The ) Tj ET Q q 0 0 0 rg BT 319.47 356.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 378.87 356.25 Td (income ) Tj ET Q q 0 0 0 rg BT 410.49 356.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 424.90 356.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 454.31 356.25 Td (related ) Tj ET Q q 0 0 0 rg BT 483.70 356.25 Td (to ) Tj ET Q q 0 0 0 rg BT 493.67 356.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 540.84 356.25 Td (items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 344.25 Td (is ) Tj ET Q q 0 0 0 rg BT 76.63 344.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 114.07 344.25 Td (within ) Tj ET Q q 0 0 0 rg BT 142.09 344.25 Td (income ) Tj ET Q q 0 0 0 rg BT 173.99 344.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 188.66 344.25 Td (expense. ) Tj ET Q q 0 0 0 rg BT 225.66 344.25 Td (These ) Tj ET Q q 0 0 0 rg BT 252.00 344.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 302.23 344.25 Td (have ) Tj ET Q q 0 0 0 rg BT 323.57 344.25 Td (no ) Tj ET Q q 0 0 0 rg BT 336.03 344.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 365.71 344.25 Td (on ) Tj ET Q q 0 0 0 rg BT 378.17 344.25 Td (net ) Tj ET Q q 0 0 0 rg BT 392.85 344.25 Td (income ) Tj ET Q q 0 0 0 rg BT 424.74 344.25 Td (as ) Tj ET Q q 0 0 0 rg BT 435.54 344.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 471.31 344.25 Td (by ) Tj ET Q q 0 0 0 rg BT 483.78 344.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.46 344.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 520.37 344.25 Td (as ) Tj ET Q q 0 0 0 rg BT 531.16 344.25 Td (a ) Tj ET Q q 0 0 0 rg BT 538.06 344.25 Td (whole ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 332.25 Td (or ) Tj ET Q q 0 0 0 rg BT 79.05 332.25 Td (by ) Tj ET Q q 0 0 0 rg BT 92.27 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 107.70 332.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 129.80 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.35 332.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 180.96 332.25 Td (For ) Tj ET Q q 0 0 0 rg BT 198.07 332.25 Td (a ) Tj ET Q q 0 0 0 rg BT 205.73 332.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 263.92 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 275.47 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.90 332.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 313.13 332.25 Td (s ) Tj ET Q q 0 0 0 rg BT 320.24 332.25 Td (results ) Tj ET Q q 0 0 0 rg BT 349.57 332.25 Td (from ) Tj ET Q q 0 0 0 rg BT 372.22 332.25 Td (a ) Tj ET Q q 0 0 0 rg BT 379.88 332.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 416.41 332.25 Td (to ) Tj ET Q q 0 0 0 rg BT 427.41 332.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 466.72 332.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 492.44 332.25 Td (see ) Tj ET Q q 0 0 0 rg BT 508.42 332.25 Td (page ) Tj ET Q q 0 0 0 rg BT 530.52 332.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 538.74 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 550.28 332.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 320.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 105.55 320.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 139.14 320.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 178.85 320.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 295.05 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 295.05 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 105.74 295.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.07 295.05 Td (and ) Tj ET Q q 0 0 0 rg BT 156.64 295.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 192.09 295.05 Td (overhead ) Tj ET Q q 0 0 0 rg BT 230.86 295.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 251.32 295.05 Td (are ) Tj ET Q q 0 0 0 rg BT 265.65 295.05 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 310.84 295.05 Td ( ) Tj ET Q q 0 0 0 rg BT 312.97 295.05 Td (financial ) Tj ET Q q 0 0 0 rg BT 350.07 295.05 Td (measures) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 387.28 295.05 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.37 295.05 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 430.61 295.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 464.94 295.05 Td (excludes ) Tj ET Q q 0 0 0 rg BT 502.06 295.05 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 543.07 295.05 Td (legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 283.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 102.19 283.05 Td (\(a ) Tj ET Q q 0 0 0 rg BT 112.45 283.05 Td (benefit ) Tj ET Q q 0 0 0 rg BT 142.70 283.05 Td (of ) Tj ET Q q 0 0 0 rg BT 153.52 283.05 Td ($430 ) Tj ET Q q 0 0 0 rg BT 176.01 283.05 Td (million ) Tj ET Q q 0 0 0 rg BT 207.39 283.05 Td (in ) Tj ET Q q 0 0 0 rg BT 217.65 283.05 Td (the ) Tj ET Q q 0 0 0 rg BT 232.36 283.05 Td (second ) Tj ET Q q 0 0 0 rg BT 262.61 283.05 Td (quarter ) Tj ET Q q 0 0 0 rg BT 293.42 283.05 Td (of ) Tj ET Q q 0 0 0 rg BT 304.24 283.05 Td (2016\). ) Tj ET Q q 0 0 0 rg BT 332.37 283.05 Td (The ) Tj ET Q q 0 0 0 rg BT 350.41 283.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 386.22 283.05 Td (overhead ) Tj ET Q q 0 0 0 rg BT 425.35 283.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 446.17 283.05 Td (measures ) Tj ET Q q 0 0 0 rg BT 485.86 283.05 Td (the ) Tj ET Q q 0 0 0 rg BT 500.57 283.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 522.79 283.05 Td (s ) Tj ET Q q 0 0 0 rg BT 529.17 283.05 Td (adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 271.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 101.80 271.05 Td (as ) Tj ET Q q 0 0 0 rg BT 112.22 271.05 Td (a ) Tj ET Q q 0 0 0 rg BT 118.75 271.05 Td (percentage ) Tj ET Q q 0 0 0 rg BT 164.14 271.05 Td (of ) Tj ET Q q 0 0 0 rg BT 174.56 271.05 Td (managed ) Tj ET Q q 0 0 0 rg BT 212.74 271.05 Td (net ) Tj ET Q q 0 0 0 rg BT 227.05 271.05 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 263.28 271.05 Td (Management ) Tj ET Q q 0 0 0 rg BT 317.57 271.05 Td (believes ) Tj ET Q q 0 0 0 rg BT 352.43 271.05 Td (this ) Tj ET Q q 0 0 0 rg BT 368.96 271.05 Td (information ) Tj ET Q q 0 0 0 rg BT 418.27 271.05 Td (helps ) Tj ET Q q 0 0 0 rg BT 441.46 271.05 Td (investors ) Tj ET Q q 0 0 0 rg BT 479.66 271.05 Td (understand ) Tj ET Q q 0 0 0 rg BT 525.63 271.05 Td (the ) Tj ET Q q 0 0 0 rg BT 539.94 271.05 Td (ef) Tj ET Q q 0 0 0 rg BT 547.52 271.05 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 259.05 Td (of ) Tj ET Q q 0 0 0 rg BT 78.33 259.05 Td (these ) Tj ET Q q 0 0 0 rg BT 101.38 259.05 Td (items ) Tj ET Q q 0 0 0 rg BT 125.54 259.05 Td (on ) Tj ET Q q 0 0 0 rg BT 138.04 259.05 Td (reported ) Tj ET Q q 0 0 0 rg BT 173.86 259.05 Td (results ) Tj ET Q q 0 0 0 rg BT 202.47 259.05 Td (and ) Tj ET Q q 0 0 0 rg BT 219.40 259.05 Td (provides ) Tj ET Q q 0 0 0 rg BT 256.34 259.05 Td (an ) Tj ET Q q 0 0 0 rg BT 268.28 259.05 Td (alternate ) Tj ET Q q 0 0 0 rg BT 305.20 259.05 Td (presentation ) Tj ET Q q 0 0 0 rg BT 356.57 259.05 Td (of ) Tj ET Q q 0 0 0 rg BT 367.40 259.05 Td (the ) Tj ET Q q 0 0 0 rg BT 382.12 259.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 404.35 259.05 Td (s ) Tj ET Q q 0 0 0 rg BT 410.74 259.05 Td (performance.) 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 49.50 710.25 Td (2. ) Tj ET Q q 0 0 0 rg BT 59.51 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 62.03 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 64.54 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.06 710.25 Td (Percentage ) Tj ET Q q 0 0 0 rg BT 113.44 710.25 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 166.50 710.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 191.23 710.25 Td (in ) Tj ET Q q 0 0 0 rg BT 201.52 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 216.25 710.25 Td (bullet ) Tj ET Q q 0 0 0 rg BT 241.54 710.25 Td (points ) Tj ET Q q 0 0 0 rg BT 268.50 710.25 Td (are ) Tj ET Q q 0 0 0 rg BT 283.23 710.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 326.27 710.25 Td (for ) Tj ET Q q 0 0 0 rg BT 340.44 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 355.17 710.25 Td (second ) Tj ET Q q 0 0 0 rg BT 385.46 710.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 416.29 710.25 Td (of ) Tj ET Q q 0 0 0 rg BT 427.13 710.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 449.65 710.25 Td (versus ) Tj ET Q q 0 0 0 rg BT 477.71 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 492.44 710.25 Td (prior) Tj ET Q q 0 0 0 rg BT 511.68 710.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 534.73 710.25 Td (second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 698.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 95.42 698.25 Td (, ) Tj ET Q q 0 0 0 rg BT 100.42 698.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 127.92 698.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 169.29 698.25 Td (specified. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 680.25 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 680.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 680.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 680.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 680.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 680.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 662.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 662.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 136.64 662.25 Td (issuance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 644.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 644.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 626.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (Represents ) Tj ET Q q 0 0 0 rg BT 113.88 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 128.59 626.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 169.41 626.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 205.81 626.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 244.39 626.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 265.21 626.25 Td (\("LCR"\) ) Tj ET Q q 0 0 0 rg BT 301.99 626.25 Td (based ) Tj ET Q q 0 0 0 rg BT 327.26 626.25 Td (on ) Tj ET Q q 0 0 0 rg BT 339.76 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 354.47 626.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 374.76 626.25 Td (LCR ) Tj ET Q q 0 0 0 rg BT 396.70 626.25 Td (rules.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 608.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 608.25 Td (High ) Tj ET Q q 0 0 0 rg BT 90.00 608.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 120.27 608.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 146.11 608.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 171.94 608.25 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 217.75 608.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 260.79 608.25 Td (the ) Tj ET Q q 0 0 0 rg BT 275.50 608.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 316.32 608.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 348.82 608.25 Td (of ) Tj ET Q q 0 0 0 rg BT 359.65 608.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 385.48 608.25 Td (that ) Tj ET Q q 0 0 0 rg BT 402.97 608.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 433.80 608.25 Td (for ) Tj ET Q q 0 0 0 rg BT 447.96 608.25 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 487.12 608.25 Td (in ) Tj ET Q q 0 0 0 rg BT 497.40 608.25 Td (the ) Tj ET Q q 0 0 0 rg BT 512.12 608.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 532.40 608.25 Td (LCR.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 590.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 590.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.05 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.88 590.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.15 590.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.20 590.25 Td (to ) Tj ET Q q 0 0 0 rg BT 202.48 590.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.09 590.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.13 590.25 Td (new ) Tj ET Q q 0 0 0 rg BT 293.30 590.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 590.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.61 590.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.38 590.25 Td (including ) Tj ET Q q 0 0 0 rg BT 414.66 590.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.27 590.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.21 590.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.47 590.25 Td (The ) Tj ET Q q 0 0 0 rg BT 532.52 590.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 578.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.90 578.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 102.74 578.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.36 578.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.22 578.25 Td (small ) Tj ET Q q 0 0 0 rg BT 173.96 578.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.25 578.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.75 578.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.93 578.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.44 578.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.27 578.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.23 578.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.64 578.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.48 578.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 423.10 578.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.17 578.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 478.35 578.25 Td (& ) Tj ET Q q 0 0 0 rg BT 488.21 578.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.84 578.25 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 566.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 91.61 566.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 137.65 566.25 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 177.61 566.25 Td (& ) Tj ET Q q 0 0 0 rg BT 187.08 566.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 212.03 566.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.64 566.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 280.24 566.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 318.64 566.25 Td (The ) Tj ET Q q 0 0 0 rg BT 336.35 566.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 368.52 566.25 Td (of ) Tj ET Q q 0 0 0 rg BT 379.02 566.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 403.95 566.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 441.67 566.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.62 566.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 491.01 566.25 Td (and ) Tj ET Q q 0 0 0 rg BT 507.62 566.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 527.57 566.25 Td (and ) Tj ET Q q 0 0 0 rg BT 544.18 566.25 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 554.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.07 554.25 Td (government ) Tj ET Q q 0 0 0 rg BT 138.62 554.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 172.78 554.25 Td (including ) Tj ET Q q 0 0 0 rg BT 213.34 554.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 233.91 554.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 261.41 554.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 323.35 554.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 361.69 554.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.91 554.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 430.30 554.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 473.62 554.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 499.17 554.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 537.50 554.25 Td (by ) Tj ET Q q 0 0 0 rg BT 550.29 554.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 542.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 109.99 542.25 Td (& ) Tj ET Q q 0 0 0 rg BT 120.26 542.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 167.20 542.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 190.81 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.74 542.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 259.67 542.25 Td (Banking.) 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 409.65 725.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.22 725.70 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 430.02 725.70 Td (trillion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.24 725.70 Td ( ) Tj ET Q q 0 0 0 rg BT 458.54 725.70 Td (and ) Tj ET Q q 0 0 0 rg BT 474.29 725.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 517.25 725.70 Td (worldwide. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.70 Td (The ) Tj ET Q q 0 0 0 rg BT 67.21 713.70 Td (Firm ) Tj ET Q q 0 0 0 rg BT 88.82 713.70 Td (is ) Tj ET Q q 0 0 0 rg BT 97.65 713.70 Td (a ) Tj ET Q q 0 0 0 rg BT 104.26 713.70 Td (leader ) Tj ET Q q 0 0 0 rg BT 130.84 713.70 Td (in ) Tj ET Q q 0 0 0 rg BT 140.78 713.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 186.83 713.70 Td (banking, ) Tj ET Q q 0 0 0 rg BT 223.71 713.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 260.85 713.70 Td (services ) Tj ET Q q 0 0 0 rg BT 295.22 713.70 Td (for ) Tj ET Q q 0 0 0 rg BT 309.05 713.70 Td (consumers ) Tj ET Q q 0 0 0 rg BT 353.98 713.70 Td (and ) Tj ET Q q 0 0 0 rg BT 370.58 713.70 Td (small ) Tj ET Q q 0 0 0 rg BT 394.41 713.70 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 441.29 713.70 Td (commercial ) Tj ET Q q 0 0 0 rg BT 490.65 713.70 Td (banking, ) Tj ET Q q 0 0 0 rg BT 527.53 713.70 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 701.70 Td (transaction ) Tj ET Q q 0 0 0 rg BT 95.60 701.70 Td (processing, ) Tj ET Q q 0 0 0 rg BT 143.09 701.70 Td (and ) Tj ET Q q 0 0 0 rg BT 159.75 701.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 181.41 701.70 Td (management. ) Tj ET Q q 0 0 0 rg BT 236.74 701.70 Td (A) Tj ET Q q 0 0 0 rg BT 243.41 701.70 Td ( ) Tj ET Q q 0 0 0 rg BT 245.63 701.70 Td (component ) Tj ET Q q 0 0 0 rg BT 292.29 701.70 Td (of ) Tj ET Q q 0 0 0 rg BT 302.84 701.70 Td (the ) Tj ET Q q 0 0 0 rg BT 317.28 701.70 Td (Dow ) Tj ET Q q 0 0 0 rg BT 338.95 701.70 Td (Jones ) Tj ET Q q 0 0 0 rg BT 363.40 701.70 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 403.46 701.70 Td (A) Tj ET Q q 0 0 0 rg BT 409.93 701.70 Td (verage, ) Tj ET Q q 0 0 0 rg BT 441.30 701.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 467.80 701.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 484.46 701.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 511.12 701.70 Td (& ) Tj ET Q q 0 0 0 rg BT 521.13 701.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 537.52 701.70 Td (serves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 689.70 Td (millions ) Tj ET Q q 0 0 0 rg BT 84.22 689.70 Td (of ) Tj ET Q q 0 0 0 rg BT 94.49 689.70 Td (consumers ) Tj ET Q q 0 0 0 rg BT 139.20 689.70 Td (in ) Tj ET Q q 0 0 0 rg BT 148.92 689.70 Td (the ) Tj ET Q q 0 0 0 rg BT 163.08 689.70 Td (United ) Tj ET Q q 0 0 0 rg BT 192.23 689.70 Td (States ) Tj ET Q q 0 0 0 rg BT 218.06 689.70 Td (and ) Tj ET Q q 0 0 0 rg BT 234.44 689.70 Td (many ) Tj ET Q q 0 0 0 rg BT 258.60 689.70 Td (of ) Tj ET Q q 0 0 0 rg BT 268.87 689.70 Td (the ) Tj ET Q q 0 0 0 rg BT 283.02 689.70 Td (world's ) Tj ET Q q 0 0 0 rg BT 313.99 689.70 Td (most ) Tj ET Q q 0 0 0 rg BT 335.37 689.70 Td (prominent ) Tj ET Q q 0 0 0 rg BT 378.42 689.70 Td (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 rg BT 384.38 677.70 Td (is ) Tj ET Q q 0 0 0 rg BT 393.55 677.70 Td (available ) Tj ET Q q 0 0 0 rg BT 432.14 677.70 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 441.85 677.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 462.87 677.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 489.08 677.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 545.44 677.70 Td (.) 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