%PDF-1.5 1 0 obj <> endobj 3 0 obj <> endobj 4 0 obj <> stream BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 707.5 m 306.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 707.5 m 562.5 707.5 l s BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 53.00 738.96 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.84 738.96 Td (ganChase? Co.) 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) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 488.45 Td (client ) Tj ET Q q 0 0 0 rg BT 155.41 488.45 Td (deposits ) Tj ET Q q 0 0 0 rg BT 196.06 488.45 Td (wer) Tj ET Q q 0 0 0 rg BT 213.57 488.45 Td (e ) Tj ET Q q 0 0 0 rg BT 221.20 488.45 Td ($386.0billion, ) Tj ET Q q 0 0 0 rg BT 289.66 488.45 Td (up ) Tj ET Q q 0 0 0 rg BT 304.64 488.45 Td (10%; ) Tj ET Q q 0 0 0 rg BT 333.06 488.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 362.69 488.45 Td (under) Tj ET Q q 0 0 0 rg BT 390.61 488.45 Td ( ) Tj ET Q q 0 0 0 rg BT 393.36 488.45 Td (custody ) Tj ET Q q 0 0 0 rg BT 432.17 488.45 Td (wer) Tj ET Q q 0 0 0 rg BT 449.68 488.45 Td (e ) Tj ET Q q 0 0 0 rg BT 457.32 488.45 Td (a ) Tj ET Q q 0 0 0 rg BT 465.57 488.45 Td (r) Tj ET Q q 0 0 0 rg BT 470.25 488.45 Td (ecord ) Tj ET Q q 0 0 0 rg BT 499.27 488.45 Td ($19.7 ) Tj ET Q q 0 0 0 rg BT 526.77 488.45 Td (trillion) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 472.88 cm /I3 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 475.25 Td (Asset ) Tj ET Q q 0 0 0 rg BT 154.40 475.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 218.46 475.25 Td (achieved ) Tj ET Q q 0 0 0 rg BT 261.75 475.25 Td (its ) Tj ET Q q 0 0 0 rg BT 275.10 475.25 Td (eighteenth ) Tj ET Q q 0 0 0 rg BT 326.33 475.25 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 382.45 475.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 418.29 475.25 Td ( ) Tj ET Q q 0 0 0 rg BT 420.64 475.25 Td (of ) Tj ET Q q 0 0 0 rg BT 432.16 475.25 Td (positive ) Tj ET Q q 0 0 0 rg BT 470.56 475.25 Td (net ) Tj ET Q q 0 0 0 rg BT 487.57 475.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 536.35 475.25 Td (client ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 462.05 Td (flows, ) Tj ET Q q 0 0 0 rg BT 158.41 462.05 Td (with ) Tj ET Q q 0 0 0 rg BT 183.40 462.05 Td ($19 ) Tj ET Q q 0 0 0 rg BT 204.11 462.05 Td (billion ) Tj ET Q q 0 0 0 rg BT 238.28 462.05 Td (for) Tj ET Q q 0 0 0 rg BT 252.13 462.05 Td ( ) Tj ET Q q 0 0 0 rg BT 256.34 462.05 Td (the ) Tj ET Q q 0 0 0 rg BT 275.22 462.05 Td (third ) Tj ET Q q 0 0 0 rg BT 303.26 462.05 Td (quarter; 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Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 104.00 435.65 Td (Third-quarter) Tj ET Q q 0 0 0 rg BT 171.02 435.65 Td ( ) Tj ET Q q 0 0 0 rg BT 173.77 435.65 Td (r) Tj ET Q q 0 0 0 rg BT 178.45 435.65 Td (esults ) Tj ET Q q 0 0 0 rg BT 207.48 435.65 Td (included ) Tj ET Q q 0 0 0 rg BT 250.58 435.65 Td (the ) Tj ET Q q 0 0 0 rg BT 268.00 435.65 Td (following ) Tj ET Q q 0 0 0 rg BT 314.14 435.65 Td (significant ) Tj ET Q q 0 0 0 rg BT 365.78 435.65 Td (items) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 417.08 cm /I4 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 419.45 Td ($9.15 ) Tj ET Q q 0 0 0 rg BT 155.98 419.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 190.18 419.45 Td (pr) Tj ET Q q 0 0 0 rg BT 200.98 419.45 Td (etax ) Tj ET Q q 0 0 0 rg BT 224.76 419.45 Td (expense; ) Tj ET Q q 0 0 0 rg BT 269.32 419.45 Td ($7.20 ) Tj ET Q q 0 0 0 rg BT 298.30 419.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 332.50 419.45 Td (after) Tj ET Q q 0 0 0 rg BT 354.68 419.45 Td (-tax ) Tj ET Q q 0 0 0 rg BT 377.24 419.45 Td ( ) Tj ET Q q 0 0 0 rg BT 381.47 419.45 Td (\($1.85 ) Tj ET Q q 0 0 0 rg BT 414.12 419.45 Td (per) Tj ET Q q 0 0 0 rg BT 429.80 419.45 Td ( ) Tj ET Q q 0 0 0 rg BT 434.04 419.45 Td (shar) Tj ET Q q 0 0 0 rg BT 454.62 419.45 Td (e ) Tj ET Q q 0 0 0 rg BT 463.74 419.45 Td (after) Tj ET Q q 0 0 0 rg BT 485.92 419.45 Td (-tax ) Tj ET Q q 0 0 0 rg BT 508.48 419.45 Td (decr) Tj ET Q q 0 0 0 rg BT 529.04 419.45 Td (ease ) Tj ET Q q 0 0 0 rg BT 552.82 419.45 Td (in ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 406.25 Td (earnings\) ) Tj ET Q q 0 0 0 rg BT 175.76 406.25 Td (for) Tj ET Q q 0 0 0 rg BT 189.61 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 194.37 406.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 221.12 406.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 262.55 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 276.48 406.25 Td (Corporate, ) Tj ET Q q 0 0 0 rg BT 332.86 406.25 Td (including ) Tj ET Q q 0 0 0 rg BT 381.65 406.25 Td (r) Tj ET Q q 0 0 0 rg BT 386.33 406.25 Td (eserves ) Tj ET Q q 0 0 0 rg BT 424.68 406.25 Td (for) Tj ET Q q 0 0 0 rg BT 438.53 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 443.29 406.25 Td (litigation ) Tj ET Q q 0 0 0 rg BT 490.22 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 512.71 406.25 Td (r) Tj ET Q q 0 0 0 rg BT 517.40 406.25 Td (egulatory ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 393.05 Td (pr) Tj ET Q q 0 0 0 rg BT 137.80 393.05 Td (oceedings) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 377.48 cm /I5 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 379.85 Td ($1.60 ) Tj ET Q q 0 0 0 rg BT 156.82 379.85 Td (billion ) Tj ET Q q 0 0 0 rg BT 191.85 379.85 Td (pr) Tj ET Q q 0 0 0 rg BT 202.65 379.85 Td (etax ) Tj ET Q q 0 0 0 rg BT 227.27 379.85 Td (benefit; ) Tj ET Q q 0 0 0 rg BT 268.39 379.85 Td ($992 ) Tj ET Q q 0 0 0 rg BT 295.46 379.85 Td (million ) Tj ET Q q 0 0 0 rg BT 333.54 379.85 Td (after) Tj ET Q q 0 0 0 rg BT 355.72 379.85 Td (-tax ) Tj ET Q q 0 0 0 rg BT 379.12 379.85 Td (\($0.26 ) Tj ET Q q 0 0 0 rg BT 412.60 379.85 Td (per) Tj ET Q q 0 0 0 rg BT 428.28 379.85 Td ( ) Tj ET Q q 0 0 0 rg BT 433.35 379.85 Td (shar) Tj ET Q q 0 0 0 rg BT 453.94 379.85 Td (e ) Tj ET Q q 0 0 0 rg BT 463.89 379.85 Td (after) Tj ET Q q 0 0 0 rg BT 486.07 379.85 Td (-tax ) Tj ET Q q 0 0 0 rg BT 509.47 379.85 Td (incr) Tj ET Q q 0 0 0 rg BT 528.21 379.85 Td (ease ) Tj ET Q q 0 0 0 rg BT 552.83 379.85 Td (in ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 366.65 Td (earnings\) ) Tj ET Q q 0 0 0 rg BT 173.75 366.65 Td (fr) Tj ET Q q 0 0 0 rg BT 182.10 366.65 Td (om ) Tj ET Q q 0 0 0 rg BT 199.51 366.65 Td (r) Tj ET Q q 0 0 0 rg BT 204.19 366.65 Td (educed ) Tj ET Q q 0 0 0 rg BT 239.94 366.65 Td (r) Tj ET Q q 0 0 0 rg BT 244.63 366.65 Td (eserves ) Tj ET Q q 0 0 0 rg BT 280.97 366.65 Td (in ) Tj ET Q q 0 0 0 rg BT 292.89 366.65 Td (Consumer) Tj ET Q q 0 0 0 rg BT 341.58 366.65 Td ( ) Tj ET Q q 0 0 0 rg BT 344.33 366.65 Td (& ) Tj ET Q q 0 0 0 rg BT 356.24 366.65 Td (Community ) Tj ET Q q 0 0 0 rg BT 415.22 366.65 Td (Banking) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 86.00 353.45 Td (?) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 104.00 353.45 Td (Fortr) Tj ET Q q 0 0 0 rg BT 129.45 353.45 Td (ess ) Tj ET Q q 0 0 0 rg BT 145.64 353.45 Td (balance ) Tj ET Q q 0 0 0 rg BT 184.45 353.45 Td (sheet ) Tj ET Q q 0 0 0 rg BT 211.02 353.45 Td (r) Tj ET Q q 0 0 0 rg BT 215.71 353.45 Td (emains ) Tj ET Q q 0 0 0 rg BT 251.46 353.45 Td (str) Tj ET Q q 0 0 0 rg BT 264.09 353.45 Td (ong) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 337.88 cm /I6 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 340.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 154.81 340.25 Td (I ) Tj ET Q q 0 0 0 rg BT 161.64 340.25 Td (T) Tj ET Q q 0 0 0 rg BT 168.78 340.25 Td (ier) Tj ET Q q 0 0 0 rg BT 181.40 340.25 Td ( ) Tj ET Q q 0 0 0 rg BT 184.15 340.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 192.40 340.25 Td (common) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 232.72 345.23 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 236.30 340.25 Td ( ) Tj ET Q q 0 0 0 rg BT 239.05 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 250.96 340.25 Td ($145 ) Tj ET Q q 0 0 0 rg BT 275.71 340.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 311.17 340.25 Td (and ) Tj ET Q q 0 0 0 rg BT 331.66 340.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 357.01 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 368.92 340.25 Td (10.5% ) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 324.68 cm /I7 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 327.05 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 177.41 327.05 Td (Basel ) Tj ET Q q 0 0 0 rg BT 205.22 327.05 Td (III ) Tj ET Q q 0 0 0 rg BT 220.61 327.05 Td (T) Tj ET Q q 0 0 0 rg BT 227.75 327.05 Td (ier) Tj ET Q q 0 0 0 rg BT 240.37 327.05 Td ( ) Tj ET Q q 0 0 0 rg BT 243.12 327.05 Td (1 ) Tj ET Q q 0 0 0 rg BT 251.37 327.05 Td (common) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 291.70 332.03 Td (1,3) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 300.64 327.05 Td ( ) Tj ET Q q 0 0 0 rg BT 303.39 327.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 328.74 327.05 Td (of ) Tj ET Q q 0 0 0 rg BT 340.65 327.05 Td (9.3%) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 311.48 cm /I8 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 313.85 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 177.41 313.85 Td (Firm ) Tj ET Q q 0 0 0 rg BT 203.98 313.85 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 277.01 313.85 Td (leverage ) Tj ET Q q 0 0 0 rg BT 318.85 313.85 Td (ratio ) Tj ET Q q 0 0 0 rg BT 344.20 313.85 Td (\("SLR"\) ) Tj ET Q q 0 0 0 rg BT 387.89 313.85 Td (of ) Tj ET Q q 0 0 0 rg BT 399.80 313.85 Td (4.7%) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 298.28 cm /I9 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 300.65 Td (As ) Tj ET Q q 0 0 0 rg BT 141.21 300.65 Td (planned, ) Tj ET Q q 0 0 0 rg BT 183.85 300.65 Td (r) Tj ET Q q 0 0 0 rg BT 188.53 300.65 Td (esubmitted ) Tj ET Q q 0 0 0 rg BT 242.46 300.65 Td (our) Tj ET Q q 0 0 0 rg BT 258.76 300.65 Td ( ) Tj ET Q q 0 0 0 rg BT 260.74 300.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 294.50 300.65 Td (plan ) Tj ET Q q 0 0 0 rg BT 317.27 300.65 Td (to ) Tj ET Q q 0 0 0 rg BT 328.42 300.65 Td (the ) Tj ET Q q 0 0 0 rg BT 345.06 300.65 Td (Federal ) Tj ET Q q 0 0 0 rg BT 383.08 300.65 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 422.32 300.65 Td (and ) Tj ET Q q 0 0 0 rg BT 442.04 300.65 Td (expect ) Tj ET Q q 0 0 0 rg BT 473.95 300.65 Td (to ) Tj ET Q q 0 0 0 rg BT 485.09 300.65 Td (r) Tj ET Q q 0 0 0 rg BT 489.77 300.65 Td (eceive ) Tj ET Q q 0 0 0 rg BT 519.84 300.65 Td (feedback ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 287.45 Td (by ) Tj ET Q q 0 0 0 rg BT 141.37 287.45 Td (year) Tj ET Q q 0 0 0 rg BT 161.72 287.45 Td (-end ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 86.00 274.25 Td (?) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 104.00 274.25 Td (JPMorgan ) Tj ET Q q 0 0 0 rg BT 156.85 274.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 188.33 274.25 Td (supported ) Tj ET Q q 0 0 0 rg BT 238.76 274.25 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 294.36 274.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 345.41 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 365.89 274.25 Td (our) Tj ET Q q 0 0 0 rg BT 382.20 274.25 Td ( ) Tj ET Q q 0 0 0 rg BT 384.95 274.25 Td (communities) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 109.00 258.68 cm /I10 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 127.00 261.05 Td ($1.6) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 146.25 261.05 Td ( ) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 149.00 261.05 Td (trillion ) Tj ET Q q 0 0 0 rg BT 184.14 261.05 Td (of ) Tj ET Q q 0 0 0 rg BT 196.05 261.05 Td (cr) Tj ET Q q 0 0 0 rg BT 205.62 261.05 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 223.34 266.03 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 226.91 261.05 Td ( ) Tj ET Q q 0 0 0 rg BT 229.66 261.05 Td (pr) Tj ET Q q 0 0 0 rg BT 240.46 261.05 Td (ovided ) Tj ET Q q 0 0 0 rg BT 274.39 261.05 Td (and ) Tj ET Q q 0 0 0 rg BT 294.87 261.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 329.40 261.05 Td (raised ) Tj ET Q q 0 0 0 rg BT 360.87 261.05 Td (in ) Tj ET Q q 0 0 0 rg BT 372.79 261.05 Td (the ) Tj ET Q q 0 0 0 rg BT 390.20 261.05 Td (first ) Tj ET Q q 0 0 0 rg BT 412.50 261.05 Td (nine ) Tj ET Q q 0 0 0 rg BT 435.42 261.05 Td (months ) Tj ET Q q 0 0 0 rg BT 473.01 261.05 Td (of ) Tj ET Q q 0 0 0 rg BT 484.93 261.05 Td (2013) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 247.85 Td (-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 125.66 247.85 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 140.00 247.85 Td ($221 ) Tj ET Q q 0 0 0 rg BT 164.75 247.85 Td (billion ) Tj ET Q q 0 0 0 rg BT 197.46 247.85 Td (of ) Tj ET Q q 0 0 0 rg BT 209.37 247.85 Td (cr) Tj ET Q q 0 0 0 rg BT 218.94 247.85 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 236.66 252.83 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 240.23 247.85 Td ( ) Tj ET Q q 0 0 0 rg BT 242.98 247.85 Td (pr) Tj ET Q q 0 0 0 rg BT 253.78 247.85 Td (ovided ) Tj ET Q q 0 0 0 rg BT 287.71 247.85 Td (for) Tj ET Q q 0 0 0 rg BT 301.55 247.85 Td ( ) Tj ET Q q 0 0 0 rg BT 304.30 247.85 Td (consumers; ) Tj ET Q q 0 0 0 rg BT 360.82 247.85 Td (originated ) Tj ET Q q 0 0 0 rg BT 411.85 247.85 Td (mor) Tj ET Q q 0 0 0 rg BT 431.20 247.85 Td (e ) Tj ET Q q 0 0 0 rg BT 438.83 247.85 Td (than ) Tj ET Q q 0 0 0 rg BT 462.98 247.85 Td (700,000 ) Tj ET Q q 0 0 0 rg BT 501.48 247.85 Td (mortgages) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 231.65 Td (-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 125.66 231.65 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 140.00 231.65 Td ($14 ) Tj ET Q q 0 0 0 rg BT 159.25 231.65 Td (billion ) Tj ET Q q 0 0 0 rg BT 191.96 231.65 Td (of ) Tj ET Q q 0 0 0 rg BT 203.87 231.65 Td (cr) Tj ET Q q 0 0 0 rg BT 213.44 231.65 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 231.16 236.63 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 234.73 231.65 Td ( ) Tj ET Q q 0 0 0 rg BT 237.48 231.65 Td (pr) Tj ET Q q 0 0 0 rg BT 248.28 231.65 Td (ovided ) Tj ET Q q 0 0 0 rg BT 282.21 231.65 Td (for) Tj ET Q q 0 0 0 rg BT 296.05 231.65 Td ( ) Tj ET Q q 0 0 0 rg BT 298.80 231.65 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 321.12 231.65 Td (small ) Tj ET Q q 0 0 0 rg BT 348.92 231.65 Td (businesses) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 215.45 Td (-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 125.66 215.45 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 140.00 215.45 Td ($442) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 162.00 215.45 Td ( ) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 164.75 215.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 197.46 215.45 Td (of ) Tj ET Q q 0 0 0 rg BT 209.37 215.45 Td (cr) Tj ET Q q 0 0 0 rg BT 218.94 215.45 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 236.66 220.43 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 240.23 215.45 Td ( ) Tj ET Q q 0 0 0 rg BT 242.98 215.45 Td (pr) Tj ET Q q 0 0 0 rg BT 253.78 215.45 Td (ovided ) Tj ET Q q 0 0 0 rg BT 287.71 215.45 Td (for) Tj ET Q q 0 0 0 rg BT 301.55 215.45 Td ( ) Tj ET Q q 0 0 0 rg BT 304.30 215.45 Td (corporations) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 199.25 Td (-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 125.66 199.25 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 140.00 199.25 Td ($829) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 162.00 199.25 Td ( ) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 164.75 199.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 197.46 199.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.37 199.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 243.90 199.25 Td (raised ) Tj ET Q q 0 0 0 rg BT 275.37 199.25 Td (for) Tj ET Q q 0 0 0 rg BT 289.21 199.25 Td ( ) Tj ET Q q 0 0 0 rg BT 291.96 199.25 Td (clients) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 122.00 183.05 Td (-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 125.66 183.05 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 140.00 183.05 Td ($59) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 156.50 183.05 Td ( ) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 160.40 183.05 Td (billion ) Tj ET Q q 0 0 0 rg BT 194.25 183.05 Td (of ) Tj ET Q q 0 0 0 rg BT 207.31 183.05 Td (cr) Tj ET Q q 0 0 0 rg BT 216.88 183.05 Td (edit) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 234.60 188.03 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 238.17 183.05 Td ( ) Tj ET Q q 0 0 0 rg BT 242.07 183.05 Td (pr) Tj ET Q q 0 0 0 rg BT 252.87 183.05 Td (ovided ) Tj ET Q q 0 0 0 rg BT 287.94 183.05 Td (and ) Tj ET Q q 0 0 0 rg BT 309.58 183.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 345.25 183.05 Td (raised ) Tj ET Q q 0 0 0 rg BT 377.86 183.05 Td (for) Tj ET Q q 0 0 0 rg BT 391.71 183.05 Td ( ) Tj ET Q q 0 0 0 rg BT 395.61 183.05 Td (nonpr) Tj ET Q q 0 0 0 rg BT 424.14 183.05 Td (ofit ) Tj ET Q q 0 0 0 rg BT 443.92 183.05 Td (and ) Tj ET Q q 0 0 0 rg BT 465.56 183.05 Td (government ) Tj ET Q q 0 0 0 rg BT 525.66 183.05 Td (entities, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 140.00 169.85 Td (including ) Tj ET Q q 0 0 0 rg BT 186.77 169.85 Td (states, ) Tj ET Q q 0 0 0 rg BT 218.54 169.85 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 290.05 169.85 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 334.37 169.85 Td (and ) Tj ET Q q 0 0 0 rg BT 354.85 169.85 Td (universities) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 86.00 153.60 Td (? Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 89.85 153.60 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 104.00 153.60 Td (Hir) Tj ET Q q 0 0 0 rg BT 120.30 153.60 Td (ed ) Tj ET Q q 0 0 0 rg BT 134.05 153.60 Td (mor) Tj ET Q q 0 0 0 rg BT 153.39 153.60 Td (e ) Tj ET Q q 0 0 0 rg BT 161.02 153.60 Td (than) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 182.42 153.60 Td ( ) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 185.17 153.60 Td (6,000) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 209.92 153.60 Td ( ) Tj ET Q BT /F3 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 212.67 153.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 234.98 153.60 Td (veterans ) Tj ET Q q 0 0 0 rg BT 277.44 153.60 Td (and ) Tj ET Q q 0 0 0 rg BT 297.93 153.60 Td (service ) Tj ET Q q 0 0 0 rg BT 333.04 153.60 Td (members ) Tj ET Q q 0 0 0 rg BT 379.17 153.60 Td (since ) Tj ET Q q 0 0 0 rg BT 405.14 153.60 Td (the ) Tj ET Q q 0 0 0 rg BT 422.55 153.60 Td (beginning ) Tj ET Q q 0 0 0 rg BT 471.76 153.60 Td (of ) Tj ET Q q 0 0 0 rg BT 483.68 153.60 Td (201) Tj ET Q q 0 0 0 rg BT 499.57 153.60 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 86.00 140.40 Td (?) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 104.00 140.40 Td (Ended ) Tj ET Q q 0 0 0 rg BT 137.87 140.40 Td (the ) Tj ET Q q 0 0 0 rg BT 155.82 140.40 Td (quarter) Tj ET Q q 0 0 0 rg BT 191.67 140.40 Td ( ) Tj ET Q q 0 0 0 rg BT 194.96 140.40 Td (with ) Tj ET Q q 0 0 0 rg BT 219.04 140.40 Td (over) Tj ET Q q 0 0 0 rg BT 239.60 140.40 Td ( ) Tj ET Q q 0 0 0 rg BT 242.90 140.40 Td (5,600 ) Tj ET Q q 0 0 0 rg BT 270.94 140.40 Td (branches, ) Tj ET Q q 0 0 0 rg BT 319.77 140.40 Td (32.9 ) Tj ET Q q 0 0 0 rg BT 342.31 140.40 Td (million ) Tj ET Q q 0 0 0 rg BT 378.61 140.40 Td (active ) Tj ET Q q 0 0 0 rg BT 409.39 140.40 Td (online ) Tj ET Q q 0 0 0 rg BT 441.41 140.40 Td (customers ) Tj ET Q q 0 0 0 rg BT 492.36 140.40 Td (and ) Tj ET Q q 0 0 0 rg BT 513.39 140.40 Td (over) Tj ET Q q 0 0 0 rg BT 533.95 140.40 Td ( ) Tj ET Q q 0 0 0 rg BT 537.25 140.40 Td (1,900 ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 104.00 127.20 Td (Chase ) Tj ET Q q 0 0 0 rg BT 135.47 127.20 Td (Private ) Tj ET Q q 0 0 0 rg BT 172.43 127.20 Td (Client ) Tj ET Q q 0 0 0 rg BT 203.90 127.20 Td (locations) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 116.70000000000005 m 306.5 116.70000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 116.70000000000005 m 562.5 116.70000000000005 l s BT /F4 9.00 Tf ET q 0 0 0 rg BT 53.00 107.15 Td (Investor Contact:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 116.24 107.15 Td ( Sarah ) Tj ET Q q 0 0 0 rg BT 140.90 107.15 Td (Y) Tj ET Q q 0 0 0 rg BT 146.49 107.15 Td (oungwood \(212\)?70-7325) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 386.75 107.15 Td (Media Contact:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.49 107.15 Td ( Joe Evangelisti \(212\)?70-7438) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 53.00 90.58 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 55.60 86.95 Td ( For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 135.75 86.95 Td ( measures, including managed basis reporting, see page 13.) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 325.25 90.58 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 326.55 86.95 Td (For additional notes on financial measures, see page 14.) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 53.00 78.28 Td (2 ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 56.90 74.65 Td (Percentage comparisons noted in the bullet points are calculated versus prior) Tj ET Q q 0 0 0 rg BT 301.99 74.65 Td (-year third quarter) Tj ET Q q 0 0 0 rg BT 359.74 74.65 Td (.) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 53.00 65.93 Td (3 ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 56.90 62.30 Td (Includes ) Tj ET Q q 0 0 0 rg BT 86.00 62.30 Td (the ) Tj ET Q q 0 0 0 rg BT 97.77 62.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 130.43 62.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 154.20 62.30 Td (of ) Tj ET Q q 0 0 0 rg BT 162.86 62.30 Td (final ) Tj ET Q q 0 0 0 rg BT 179.52 62.30 Td (Basel ) Tj ET Q q 0 0 0 rg BT 199.30 62.30 Td (III ) Tj ET Q q 0 0 0 rg BT 209.29 62.30 Td (rules ) Tj ET Q q 0 0 0 rg BT 226.84 62.30 Td (issued ) Tj ET Q q 0 0 0 rg BT 248.84 62.30 Td (on ) Tj ET Q q 0 0 0 rg BT 258.84 62.30 Td (July ) Tj ET Q q 0 0 0 rg BT 274.18 62.30 Td (2, ) Tj ET Q q 0 0 0 rg BT 282.18 62.30 Td (2013.) Tj ET Q BT /F2 10.00 Tf ET /GS0 gs q 208.00 0 0 15.00 351.00 731.02 cm /I11 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (New ) Tj ET Q q 0 0 0 rg BT 74.76 740.90 Td (Y) Tj ET Q q 0 0 0 rg BT 82.10 740.90 Td (ork, ) Tj ET Q q 0 0 0 rg BT 105.57 740.90 Td (October) Tj ET Q q 0 0 0 rg BT 147.33 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 149.80 740.90 Td (1) Tj ET Q q 0 0 0 rg BT 155.14 740.90 Td (1, ) Tj ET Q q 0 0 0 rg BT 166.61 740.90 Td (2013 ) Tj ET Q q 0 0 0 rg BT 193.08 740.90 Td (-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 197.08 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 199.55 740.90 Td (JPMor) Tj ET Q q 0 0 0 rg BT 231.34 740.90 Td (ganChase ) Tj ET Q q 0 0 0 rg BT 283.46 740.90 Td (& ) Tj ET Q q 0 0 0 rg BT 295.26 740.90 Td (Co. ) Tj ET Q q 0 0 0 rg BT 314.74 740.90 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 355.87 740.90 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 384.35 740.90 Td (today ) Tj ET Q q 0 0 0 rg BT 413.48 740.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 455.93 740.90 Td (net ) Tj ET Q q 0 0 0 rg BT 473.06 740.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 494.20 740.90 Td (of ) Tj ET Q q 0 0 0 rg BT 506.67 740.90 Td ($0.4billion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.50 Td (for ) Tj ET Q q 0 0 0 rg BT 66.54 726.50 Td (the ) Tj ET Q q 0 0 0 rg BT 83.76 726.50 Td (third ) Tj ET Q q 0 0 0 rg BT 108.97 726.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 145.50 726.50 Td (of ) Tj ET Q q 0 0 0 rg BT 158.05 726.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 187.60 726.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 237.46 726.50 Td (with ) Tj ET Q q 0 0 0 rg BT 261.35 726.50 Td (net ) Tj ET Q q 0 0 0 rg BT 278.56 726.50 Td (income ) Tj ET Q q 0 0 0 rg BT 316.43 726.50 Td (of ) Tj ET Q q 0 0 0 rg BT 328.98 726.50 Td ($5.7) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 349.98 726.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 352.53 726.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 386.42 726.50 Td (in ) Tj ET Q q 0 0 0 rg BT 398.30 726.50 Td (the ) Tj ET Q q 0 0 0 rg BT 415.52 726.50 Td (third ) Tj ET Q q 0 0 0 rg BT 440.73 726.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 477.26 726.50 Td (of ) Tj ET Q q 0 0 0 rg BT 489.81 726.50 Td (2012. ) Tj ET Q q 0 0 0 rg BT 519.36 726.50 Td (Earnings ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (per ) Tj ET Q q 0 0 0 rg BT 67.69 712.10 Td (share ) Tj ET Q q 0 0 0 rg BT 95.38 712.10 Td (were ) Tj ET Q q 0 0 0 rg BT 121.06 712.10 Td ($\(0.17\), ) Tj ET Q q 0 0 0 rg BT 161.42 712.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 211.09 712.10 Td (with ) Tj ET Q q 0 0 0 rg BT 234.79 712.10 Td ($1.40 ) Tj ET Q q 0 0 0 rg BT 264.16 712.10 Td (in ) Tj ET Q q 0 0 0 rg BT 275.86 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.89 712.10 Td (third ) Tj ET Q q 0 0 0 rg BT 317.92 712.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 354.27 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.63 712.10 Td (2012. ) Tj ET Q q 0 0 0 rg BT 396.00 712.10 Td (Revenue) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 437.98 717.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 441.88 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 444.25 712.10 Td (for ) Tj ET Q q 0 0 0 rg BT 460.60 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.63 712.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 513.98 712.10 Td (was ) Tj ET Q q 0 0 0 rg BT 535.01 712.10 Td ($23.9 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 697.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 87.15 697.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 137.28 697.70 Td (with ) Tj ET Q q 0 0 0 rg BT 161.43 697.70 Td ($25.9 ) Tj ET Q q 0 0 0 rg BT 191.25 697.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 225.41 697.70 Td (in ) Tj ET Q q 0 0 0 rg BT 237.56 697.70 Td (the ) Tj ET Q q 0 0 0 rg BT 255.04 697.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.18 697.70 Td (year) Tj ET Q q 0 0 0 rg BT 301.17 697.70 Td (. ) Tj ET Q q 0 0 0 rg BT 306.78 697.70 Td (The ) Tj ET Q q 0 0 0 rg BT 328.26 697.70 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 361.25 697.70 Td (return ) Tj ET Q q 0 0 0 rg BT 392.72 697.70 Td (on ) Tj ET Q q 0 0 0 rg BT 407.53 697.70 Td (tangible ) Tj ET Q q 0 0 0 rg BT 449.01 697.70 Td (common ) Tj ET Q q 0 0 0 rg BT 493.82 697.70 Td (equity) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 523.81 703.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 527.71 697.70 Td ( ) Tj ET Q q 0 0 0 rg BT 530.53 697.70 Td (for ) Tj ET Q q 0 0 0 rg BT 547.34 697.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 683.30 Td (third ) Tj ET Q q 0 0 0 rg BT 75.66 683.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 112.64 683.30 Td (of ) Tj ET Q q 0 0 0 rg BT 125.64 683.30 Td (2013 ) Tj ET Q q 0 0 0 rg BT 152.64 683.30 Td (was ) Tj ET Q q 0 0 0 rg BT 174.30 683.30 Td (\(2\)%, ) Tj ET Q q 0 0 0 rg BT 204.29 683.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 254.60 683.30 Td (with ) Tj ET Q q 0 0 0 rg BT 278.93 683.30 Td (16% ) Tj ET Q q 0 0 0 rg BT 303.93 683.30 Td (in ) Tj ET Q q 0 0 0 rg BT 316.26 683.30 Td (the ) Tj ET Q q 0 0 0 rg BT 333.92 683.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 360.25 683.30 Td (year) Tj ET Q q 0 0 0 rg BT 380.23 683.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 662.90 Td (Third-quarter ) Tj ET Q q 0 0 0 rg BT 116.86 662.90 Td (results ) Tj ET Q q 0 0 0 rg BT 150.42 662.90 Td (included ) Tj ET Q q 0 0 0 rg BT 193.97 662.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 219.52 662.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 260.39 662.90 Td (in ) Tj ET Q q 0 0 0 rg BT 271.96 662.90 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 322.17 662.90 Td (of ) Tj ET Q q 0 0 0 rg BT 334.39 662.90 Td ($9.2 ) Tj ET Q q 0 0 0 rg BT 357.62 662.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 391.18 662.90 Td (\($7.2 ) Tj ET Q q 0 0 0 rg BT 418.41 662.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 451.97 662.90 Td (after) Tj ET Q q 0 0 0 rg BT 473.71 662.90 Td (-tax\), ) Tj ET Q q 0 0 0 rg BT 501.59 662.90 Td (and ) Tj ET Q q 0 0 0 rg BT 521.14 662.90 Td (a ) Tj ET Q q 0 0 0 rg BT 528.70 662.90 Td (benefit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 648.50 Td (from ) Tj ET Q q 0 0 0 rg BT 75.48 648.50 Td (reserve ) Tj ET Q q 0 0 0 rg BT 112.26 648.50 Td (releases ) Tj ET Q q 0 0 0 rg BT 152.39 648.50 Td (of ) Tj ET Q q 0 0 0 rg BT 164.53 648.50 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 187.68 648.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 221.17 648.50 Td (\($992 ) Tj ET Q q 0 0 0 rg BT 251.31 648.50 Td (million ) Tj ET Q q 0 0 0 rg BT 288.13 648.50 Td (after) Tj ET Q q 0 0 0 rg BT 309.87 648.50 Td (-tax\). ) Tj ET Q q 0 0 0 rg BT 337.67 648.50 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 389.14 648.50 Td (these ) Tj ET Q q 0 0 0 rg BT 415.95 648.50 Td (items, ) Tj ET Q q 0 0 0 rg BT 447.10 648.50 Td (third-quarter ) Tj ET Q q 0 0 0 rg BT 509.88 648.50 Td (net ) Tj ET Q q 0 0 0 rg BT 526.69 648.50 Td (income ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (would ) Tj ET Q q 0 0 0 rg BT 83.00 634.10 Td (have ) Tj ET Q q 0 0 0 rg BT 108.65 634.10 Td (been ) Tj ET Q q 0 0 0 rg BT 134.30 634.10 Td ($5.8 ) Tj ET Q q 0 0 0 rg BT 158.30 634.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 195.64 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 208.64 634.10 Td ($1.42 ) Tj ET Q q 0 0 0 rg BT 238.64 634.10 Td (per ) Tj ET Q q 0 0 0 rg BT 256.96 634.10 Td (share) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 282.28 639.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 286.18 634.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 613.70 Td (Jamie ) Tj ET Q q 0 0 0 rg BT 80.38 613.70 Td (Dimon, ) Tj ET Q q 0 0 0 rg BT 119.11 613.70 Td (Chairman ) Tj ET Q q 0 0 0 rg BT 168.83 613.70 Td (and ) Tj ET Q q 0 0 0 rg BT 188.54 613.70 Td (Chief ) Tj ET Q q 0 0 0 rg BT 217.60 613.70 Td (Executive ) Tj ET Q q 0 0 0 rg BT 267.97 613.70 Td (Of) Tj ET Q q 0 0 0 rg BT 280.41 613.70 Td (ficer) Tj ET Q q 0 0 0 rg BT 301.91 613.70 Td (, ) Tj ET Q q 0 0 0 rg BT 307.31 613.70 Td (commented ) Tj ET Q q 0 0 0 rg BT 365.68 613.70 Td (on ) Tj ET Q q 0 0 0 rg BT 380.07 613.70 Td (the ) Tj ET Q q 0 0 0 rg BT 397.13 613.70 Td (Company? Tj ET Q q 0 0 0 rg BT 447.13 613.70 Td (s ) Tj ET Q q 0 0 0 rg BT 454.19 613.70 Td (results: ) Tj ET Q q 0 0 0 rg BT 491.25 613.70 Td (While ) Tj ET Q q 0 0 0 rg BT 528.29 613.70 Td (we ) Tj ET Q q 0 0 0 rg BT 544.67 613.70 Td (had ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 599.30 Td (strong ) Tj ET Q q 0 0 0 rg BT 83.37 599.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 138.73 599.30 Td (performance ) Tj ET Q q 0 0 0 rg BT 202.73 599.30 Td (across ) Tj ET Q q 0 0 0 rg BT 236.09 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 254.13 599.30 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 311.16 599.30 Td (unfortunately) Tj ET Q q 0 0 0 rg BT 375.03 599.30 Td (, ) Tj ET Q q 0 0 0 rg BT 381.40 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 399.44 599.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 436.79 599.30 Td (was ) Tj ET Q q 0 0 0 rg BT 458.82 599.30 Td (marred ) Tj ET Q q 0 0 0 rg BT 496.17 599.30 Td (by ) Tj ET Q q 0 0 0 rg BT 511.54 599.30 Td (lar) Tj ET Q q 0 0 0 rg BT 523.98 599.30 Td (ge ) Tj ET Q q 0 0 0 rg BT 538.68 599.30 Td (legal ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 584.90 Td (expense. ) Tj ET Q q 0 0 0 rg BT 97.25 584.90 Td (W) Tj ET Q q 0 0 0 rg BT 107.61 584.90 Td (e ) Tj ET Q q 0 0 0 rg BT 118.97 584.90 Td (continuously ) Tj ET Q q 0 0 0 rg BT 187.00 584.90 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 233.01 584.90 Td (our ) Tj ET Q q 0 0 0 rg BT 255.04 584.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 284.39 584.90 Td (reserves, ) Tj ET Q q 0 0 0 rg BT 332.74 584.90 Td (but ) Tj ET Q q 0 0 0 rg BT 354.10 584.90 Td (in ) Tj ET Q q 0 0 0 rg BT 369.47 584.90 Td (this ) Tj ET Q q 0 0 0 rg BT 392.84 584.90 Td (highly ) Tj ET Q q 0 0 0 rg BT 429.55 584.90 Td (char) Tj ET Q q 0 0 0 rg BT 449.98 584.90 Td (ged ) Tj ET Q q 0 0 0 rg BT 473.34 584.90 Td (and ) Tj ET Q q 0 0 0 rg BT 496.70 584.90 Td (unpredictable ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 570.50 Td (environment, ) Tj ET Q q 0 0 0 rg BT 116.38 570.50 Td (with ) Tj ET Q q 0 0 0 rg BT 140.44 570.50 Td (escalating ) Tj ET Q q 0 0 0 rg BT 191.15 570.50 Td (demands ) Tj ET Q q 0 0 0 rg BT 236.53 570.50 Td (and ) Tj ET Q q 0 0 0 rg BT 256.59 570.50 Td (penalties ) Tj ET Q q 0 0 0 rg BT 301.97 570.50 Td (from ) Tj ET Q q 0 0 0 rg BT 328.02 570.50 Td (multiple ) Tj ET Q q 0 0 0 rg BT 370.75 570.50 Td (government ) Tj ET Q q 0 0 0 rg BT 430.79 570.50 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 477.83 570.50 Td (we ) Tj ET Q q 0 0 0 rg BT 494.55 570.50 Td (thought ) Tj ET Q q 0 0 0 rg BT 533.95 570.50 Td (it ) Tj ET Q q 0 0 0 rg BT 543.35 570.50 Td (was ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (prudent ) Tj ET Q q 0 0 0 rg BT 90.14 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.95 556.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 166.42 556.10 Td (strengthen ) Tj ET Q q 0 0 0 rg BT 219.89 556.10 Td (them. ) Tj ET Q q 0 0 0 rg BT 250.11 556.10 Td (While ) Tj ET Q q 0 0 0 rg BT 282.91 556.10 Td (we ) Tj ET Q q 0 0 0 rg BT 300.38 556.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 335.18 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 354.65 556.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 401.46 556.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 428.94 556.10 Td (should ) Tj ET Q q 0 0 0 rg BT 464.43 556.10 Td (abate ) Tj ET Q q 0 0 0 rg BT 493.22 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 514.03 556.10 Td (normalize ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 541.70 Td (over ) Tj ET Q q 0 0 0 rg BT 74.32 541.70 Td (time, ) Tj ET Q q 0 0 0 rg BT 101.65 541.70 Td (they ) Tj ET Q q 0 0 0 rg BT 125.31 541.70 Td (may ) Tj ET Q q 0 0 0 rg BT 148.97 541.70 Td (continue ) Tj ET Q q 0 0 0 rg BT 193.29 541.70 Td (to ) Tj ET Q q 0 0 0 rg BT 205.63 541.70 Td (be ) Tj ET Q q 0 0 0 rg BT 219.95 541.70 Td (volatile ) Tj ET Q q 0 0 0 rg BT 258.94 541.70 Td (over ) Tj ET Q q 0 0 0 rg BT 283.26 541.70 Td (the ) Tj ET Q q 0 0 0 rg BT 300.92 541.70 Td (next ) Tj ET Q q 0 0 0 rg BT 324.58 541.70 Td (several ) Tj ET Q q 0 0 0 rg BT 361.56 541.70 Td (quarters.?) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 521.30 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 86.86 521.30 Td (continued: ) Tj ET Q q 0 0 0 rg BT 141.03 521.30 Td (The ) Tj ET Q q 0 0 0 rg BT 168.54 521.30 Td (Board ) Tj ET Q q 0 0 0 rg BT 201.38 521.30 Td (continues ) Tj ET Q q 0 0 0 rg BT 250.89 521.30 Td (to ) Tj ET Q q 0 0 0 rg BT 263.75 521.30 Td (seek ) Tj ET Q q 0 0 0 rg BT 288.59 521.30 Td (a ) Tj ET Q q 0 0 0 rg BT 297.44 521.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 317.62 521.30 Td (and ) Tj ET Q q 0 0 0 rg BT 338.46 521.30 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 393.29 521.30 Td (settlement ) Tj ET Q q 0 0 0 rg BT 446.13 521.30 Td (with ) Tj ET Q q 0 0 0 rg BT 470.98 521.30 Td (the ) Tj ET Q q 0 0 0 rg BT 489.17 521.30 Td (government ) Tj ET Q q 0 0 0 rg BT 550.00 521.30 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 506.90 Td (mortgage-related ) Tj ET Q q 0 0 0 rg BT 135.11 506.90 Td (issues ) Tj ET Q q 0 0 0 rg BT 166.94 506.90 Td (?) Tj ET Q q 0 0 0 rg BT 176.10 506.90 Td (and ) Tj ET Q q 0 0 0 rg BT 196.58 506.90 Td (one ) Tj ET Q q 0 0 0 rg BT 217.06 506.90 Td (that ) Tj ET Q q 0 0 0 rg BT 238.21 506.90 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 292.67 506.90 Td (the ) Tj ET Q q 0 0 0 rg BT 310.49 506.90 Td (extraordinary ) Tj ET Q q 0 0 0 rg BT 378.28 506.90 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 449.41 506.90 Td (of ) Tj ET Q q 0 0 0 rg BT 462.56 506.90 Td (the ) Tj ET Q q 0 0 0 rg BT 480.38 506.90 Td (Bear ) Tj ET Q q 0 0 0 rg BT 506.19 506.90 Td (Stearns ) Tj ET Q q 0 0 0 rg BT 544.67 506.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 492.50 Td (W) Tj ET Q q 0 0 0 rg BT 60.37 492.50 Td (ashington ) Tj ET Q q 0 0 0 rg BT 112.17 492.50 Td (Mutual ) Tj ET Q q 0 0 0 rg BT 151.97 492.50 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 217.42 492.50 Td (which ) Tj ET Q q 0 0 0 rg BT 251.88 492.50 Td (were ) Tj ET Q q 0 0 0 rg BT 280.34 492.50 Td (undertaken ) Tj ET Q q 0 0 0 rg BT 338.78 492.50 Td (at ) Tj ET Q q 0 0 0 rg BT 352.58 492.50 Td (the ) Tj ET Q q 0 0 0 rg BT 372.38 492.50 Td (request ) Tj ET Q q 0 0 0 rg BT 412.17 492.50 Td (or ) Tj ET Q q 0 0 0 rg BT 427.30 492.50 Td (encouragement ) Tj ET Q q 0 0 0 rg BT 505.73 492.50 Td (of ) Tj ET Q q 0 0 0 rg BT 520.87 492.50 Td (the ) Tj ET Q q 0 0 0 rg BT 540.66 492.50 Td (U.S. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Government.? Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 457.70 Td (Commenting ) Tj ET Q q 0 0 0 rg BT 116.77 457.70 Td (on ) Tj ET Q q 0 0 0 rg BT 132.88 457.70 Td (the ) Tj ET Q q 0 0 0 rg BT 151.65 457.70 Td (business ) Tj ET Q q 0 0 0 rg BT 196.43 457.70 Td (performance, ) Tj ET Q q 0 0 0 rg BT 264.17 457.70 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 301.61 457.70 Td (continued: ) Tj ET Q q 0 0 0 rg BT 356.37 457.70 Td (W) Tj ET Q q 0 0 0 rg BT 372.06 457.70 Td (e ) Tj ET Q q 0 0 0 rg BT 381.50 457.70 Td (maintained ) Tj ET Q q 0 0 0 rg BT 438.92 457.70 Td (our ) Tj ET Q q 0 0 0 rg BT 459.03 457.70 Td (#1 ) Tj ET Q q 0 0 0 rg BT 475.14 457.70 Td (ranking ) Tj ET Q q 0 0 0 rg BT 515.90 457.70 Td (in ) Tj ET Q q 0 0 0 rg BT 529.35 457.70 Td (Global ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 443.30 Td (Investment ) Tj ET Q q 0 0 0 rg BT 105.18 443.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 147.70 443.30 Td (fees ) Tj ET Q q 0 0 0 rg BT 168.88 443.30 Td (and ) Tj ET Q q 0 0 0 rg BT 188.06 443.30 Td (our ) Tj ET Q q 0 0 0 rg BT 205.92 443.30 Td (unparalleled ) Tj ET Q q 0 0 0 rg BT 267.08 443.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 300.92 443.30 Td (raising ) Tj ET Q q 0 0 0 rg BT 335.44 443.30 Td (and ) Tj ET Q q 0 0 0 rg BT 354.62 443.30 Td (advisory ) Tj ET Q q 0 0 0 rg BT 397.81 443.30 Td (capabilities ) Tj ET Q q 0 0 0 rg BT 454.31 443.30 Td (led ) Tj ET Q q 0 0 0 rg BT 470.83 443.30 Td (to ) Tj ET Q q 0 0 0 rg BT 482.02 443.30 Td (ground-breaking ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 428.90 Td (transactions ) Tj ET Q q 0 0 0 rg BT 110.60 428.90 Td (and ) Tj ET Q q 0 0 0 rg BT 131.22 428.90 Td (market ) Tj ET Q q 0 0 0 rg BT 167.82 428.90 Td (share ) Tj ET Q q 0 0 0 rg BT 196.43 428.90 Td (gains.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 224.76 428.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 227.50 428.90 Td (Equity ) Tj ET Q q 0 0 0 rg BT 262.79 428.90 Td (Markets ) Tj ET Q q 0 0 0 rg BT 305.40 428.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 346.66 428.90 Td (was ) Tj ET Q q 0 0 0 rg BT 368.61 428.90 Td (up ) Tj ET Q q 0 0 0 rg BT 383.90 428.90 Td (20%, ) Tj ET Q q 0 0 0 rg BT 412.19 428.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 446.13 428.90 Td (by ) Tj ET Q q 0 0 0 rg BT 461.42 428.90 Td (broad-based ) Tj ET Q q 0 0 0 rg BT 523.35 428.90 Td (strength ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 414.50 Td (across ) Tj ET Q q 0 0 0 rg BT 83.66 414.50 Td (products. ) Tj ET Q q 0 0 0 rg BT 131.67 414.50 Td (In ) Tj ET Q q 0 0 0 rg BT 145.34 414.50 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 198.34 414.50 Td (Banking ) Tj ET Q q 0 0 0 rg BT 242.68 414.50 Td (and ) Tj ET Q q 0 0 0 rg BT 263.68 414.50 Td (Credit ) Tj ET Q q 0 0 0 rg BT 297.35 414.50 Td (Card, ) Tj ET Q q 0 0 0 rg BT 327.35 414.50 Td (our ) Tj ET Q q 0 0 0 rg BT 347.02 414.50 Td (customer ) Tj ET Q q 0 0 0 rg BT 394.69 414.50 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 453.01 414.50 Td (scores ) Tj ET Q q 0 0 0 rg BT 486.68 414.50 Td (continue ) Tj ET Q q 0 0 0 rg BT 531.67 414.50 Td (to ) Tj ET Q q 0 0 0 rg BT 544.68 414.50 Td (rise ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 69.84 400.10 Td (our ) Tj ET Q q 0 0 0 rg BT 88.35 400.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 134.85 400.10 Td (attrition ) Tj ET Q q 0 0 0 rg BT 175.36 400.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 215.86 400.10 Td (low) Tj ET Q q 0 0 0 rg BT 233.08 400.10 Td (. ) Tj ET Q q 0 0 0 rg BT 238.59 400.10 Td (For ) Tj ET Q q 0 0 0 rg BT 257.77 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.95 400.10 Td (second ) Tj ET Q q 0 0 0 rg BT 310.78 400.10 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 369.94 400.10 Td (year) Tj ET Q q 0 0 0 rg BT 390.11 400.10 Td (, ) Tj ET Q q 0 0 0 rg BT 395.62 400.10 Td (we ) Tj ET Q q 0 0 0 rg BT 412.13 400.10 Td (led ) Tj ET Q q 0 0 0 rg BT 429.30 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.47 400.10 Td (nation ) Tj ET Q q 0 0 0 rg BT 478.98 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 490.83 400.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 528.01 400.10 Td (growth ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 385.70 Td (?) Tj ET Q q 0 0 0 rg BT 58.69 385.70 Td (up ) Tj ET Q q 0 0 0 rg BT 73.38 385.70 Td (10% ) Tj ET Q q 0 0 0 rg BT 98.07 385.70 Td (from ) Tj ET Q q 0 0 0 rg BT 124.09 385.70 Td (the ) Tj ET Q q 0 0 0 rg BT 141.44 385.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 167.46 385.70 Td (year ) Tj ET Q q 0 0 0 rg BT 190.80 385.70 Td (?) Tj ET Q q 0 0 0 rg BT 199.50 385.70 Td (more ) Tj ET Q q 0 0 0 rg BT 226.84 385.70 Td (than ) Tj ET Q q 0 0 0 rg BT 250.20 385.70 Td (twice ) Tj ET Q q 0 0 0 rg BT 278.88 385.70 Td (the ) Tj ET Q q 0 0 0 rg BT 296.23 385.70 Td (industry ) Tj ET Q q 0 0 0 rg BT 338.25 385.70 Td (average.) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 378.56 385.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 381.25 385.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 413.93 385.70 Td (card ) Tj ET Q q 0 0 0 rg BT 437.28 385.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 463.29 385.70 Td (volume ) Tj ET Q q 0 0 0 rg BT 501.98 385.70 Td (was ) Tj ET Q q 0 0 0 rg BT 523.33 385.70 Td (a ) Tj ET Q q 0 0 0 rg BT 531.35 385.70 Td (record ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 371.30 Td ($107.0 ) Tj ET Q q 0 0 0 rg BT 85.73 371.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 122.79 371.30 Td (up ) Tj ET Q q 0 0 0 rg BT 137.52 371.30 Td (1) Tj ET Q q 0 0 0 rg BT 143.07 371.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 164.80 371.30 Td (and ) Tj ET Q q 0 0 0 rg BT 184.85 371.30 Td (general ) Tj ET Q q 0 0 0 rg BT 222.89 371.30 Td (purpose ) Tj ET Q q 0 0 0 rg BT 263.61 371.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 293.65 371.30 Td (card ) Tj ET Q q 0 0 0 rg BT 317.03 371.30 Td (sales ) Tj ET Q q 0 0 0 rg BT 343.08 371.30 Td (volume ) Tj ET Q q 0 0 0 rg BT 381.80 371.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 418.53 371.30 Td (has ) Tj ET Q q 0 0 0 rg BT 437.25 371.30 Td (outperformed ) Tj ET Q q 0 0 0 rg BT 505.29 371.30 Td (the ) Tj ET Q q 0 0 0 rg BT 522.67 371.30 Td (industry ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 356.90 Td (for ) Tj ET Q q 0 0 0 rg BT 67.24 356.90 Td (22 ) Tj ET Q q 0 0 0 rg BT 82.50 356.90 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 142.39 356.90 Td (quarters. ) Tj ET Q q 0 0 0 rg BT 186.57 356.90 Td (Asset ) Tj ET Q q 0 0 0 rg BT 216.49 356.90 Td (Management ) Tj ET Q q 0 0 0 rg BT 282.39 356.90 Td (continued ) Tj ET Q q 0 0 0 rg BT 332.96 356.90 Td (to ) Tj ET Q q 0 0 0 rg BT 345.54 356.90 Td (have ) Tj ET Q q 0 0 0 rg BT 371.45 356.90 Td (strong ) Tj ET Q q 0 0 0 rg BT 404.70 356.90 Td (performance, ) Tj ET Q q 0 0 0 rg BT 471.58 356.90 Td (with ) Tj ET Q q 0 0 0 rg BT 496.17 356.90 Td ($19 ) Tj ET Q q 0 0 0 rg BT 517.42 356.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 552.00 356.90 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 342.50 Td (net ) Tj ET Q q 0 0 0 rg BT 67.16 342.50 Td (long-term ) Tj ET Q q 0 0 0 rg BT 116.98 342.50 Td (client ) Tj ET Q q 0 0 0 rg BT 146.13 342.50 Td (flows, ) Tj ET Q q 0 0 0 rg BT 178.30 342.50 Td (the ) Tj ET Q q 0 0 0 rg BT 195.46 342.50 Td (18th ) Tj ET Q q 0 0 0 rg BT 219.29 342.50 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 278.43 342.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 314.91 342.50 Td (of ) Tj ET Q q 0 0 0 rg BT 327.40 342.50 Td (positive ) Tj ET Q q 0 0 0 rg BT 367.90 342.50 Td (net ) Tj ET Q q 0 0 0 rg BT 385.06 342.50 Td (long-term ) Tj ET Q q 0 0 0 rg BT 434.88 342.50 Td (client ) Tj ET Q q 0 0 0 rg BT 464.03 342.50 Td (flows. ) Tj ET Q q 0 0 0 rg BT 496.02 342.50 Td (W) Tj ET Q q 0 0 0 rg BT 506.38 342.50 Td (e ) Tj ET Q q 0 0 0 rg BT 514.21 342.50 Td (are ) Tj ET Q q 0 0 0 rg BT 531.35 342.50 Td (seeing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 101.42 328.10 Td (positive ) Tj ET Q q 0 0 0 rg BT 143.51 328.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 176.93 328.10 Td (in ) Tj ET Q q 0 0 0 rg BT 190.36 328.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 241.11 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 262.53 328.10 Td (stability ) Tj ET Q q 0 0 0 rg BT 305.29 328.10 Td (in ) Tj ET Q q 0 0 0 rg BT 318.72 328.10 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 370.80 328.10 Td (?) Tj ET Q q 0 0 0 rg BT 380.90 328.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 403.67 328.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 430.41 328.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.84 328.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 493.26 328.10 Td (are ) Tj ET Q q 0 0 0 rg BT 512.00 328.10 Td (improving ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 313.70 Td (steadily ) Tj ET Q q 0 0 0 rg BT 90.78 313.70 Td (as ) Tj ET Q q 0 0 0 rg BT 104.24 313.70 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 173.67 313.70 Td (continue ) Tj ET Q q 0 0 0 rg BT 218.45 313.70 Td (to ) Tj ET Q q 0 0 0 rg BT 231.24 313.70 Td (decline, ) Tj ET Q q 0 0 0 rg BT 272.35 313.70 Td (and ) Tj ET Q q 0 0 0 rg BT 293.13 313.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 323.91 313.70 Td (card ) Tj ET Q q 0 0 0 rg BT 348.02 313.70 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 417.45 313.70 Td (are ) Tj ET Q q 0 0 0 rg BT 435.56 313.70 Td (at ) Tj ET Q q 0 0 0 rg BT 447.68 313.70 Td (20-year ) Tj ET Q q 0 0 0 rg BT 487.78 313.70 Td (lows ) Tj ET Q q 0 0 0 rg BT 513.91 313.70 Td (across ) Tj ET Q q 0 0 0 rg BT 547.35 313.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 299.30 Td (industry) Tj ET Q q 0 0 0 rg BT 88.55 299.30 Td (.?) Tj ET Q q 0 0 0 rg BT 99.88 299.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 278.90 Td (Dimon concluded: W) Tj ET Q q 0 0 0 rg BT 157.67 278.90 Td (e continue our intense focus on our legal, control, and regulatory agenda ?we are ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 264.50 Td (simplifying our business and making unprecedented investments in controls, which will make our ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (company better and stronger for the long-run. ) Tj ET Q q 0 0 0 rg BT 271.71 250.10 Td (W) Tj ET Q q 0 0 0 rg BT 282.08 250.10 Td (e are extremely gratified that, in light of the issues the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 235.70 Td (Company is facing, our people continue to do an unwavering and excellent job in serving their clients and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 221.30 Td (communities, which you see in the underlying performance of our businesses.? 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j 3 M 517.5 655.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 655.4 m 562.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 640.4 m 562.5 640.4 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 720.27 Td (Results for CCB) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 720.27 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 720.27 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 705.27 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 705.27 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 705.27 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 705.27 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 690.27 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 690.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 690.27 Td (11,082) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 690.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 291.00 690.27 Td (12,015) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 690.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 340.00 690.27 Td (12,720) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 690.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 690.27 Td (\(933) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 690.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 445.95 690.27 Td (\(8) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 690.27 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 690.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 690.27 Td (\(1,638) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 690.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 690.27 Td (\(13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 690.27 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 675.27 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 252.10 675.27 Td (\(267) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 675.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 306.60 675.27 Td (\(19) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 675.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 675.27 Td (1,862) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 675.27 Td (\(248) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 675.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 675.27 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 675.27 Td (\(2,129) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 675.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 675.27 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 660.27 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 660.27 Td (6,867) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 660.27 Td (6,864) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 660.27 Td (6,956) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 413.80 660.27 Td (3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 451.45 660.27 Td (-) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 498.60 660.27 Td (\(89) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 660.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 660.27 Td (\(1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 660.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 645.27 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 645.27 Td (2,702) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 645.27 Td (3,089) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 645.27 Td (2,355) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 645.27 Td (\(387) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 645.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 645.27 Td (\(13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 645.27 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 645.27 Td (347) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 538.15 645.27 Td (15) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 645.27 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 614.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 614.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 614.50 Td (Results: ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 600.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.81 600.10 Td (income ) Tj ET Q q 0 0 0 rg BT 107.62 600.10 Td (was ) Tj ET Q q 0 0 0 rg BT 128.77 600.10 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 152.26 600.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 189.09 600.10 Td (an ) Tj ET Q q 0 0 0 rg BT 202.90 600.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 244.70 600.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.18 600.10 Td ($347 ) Tj ET Q q 0 0 0 rg BT 283.67 600.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 323.83 600.10 Td (or ) Tj ET Q q 0 0 0 rg BT 336.31 600.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 360.80 600.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 410.60 600.10 Td (with ) Tj ET Q q 0 0 0 rg BT 434.42 600.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.57 600.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 477.38 600.10 Td (year) Tj ET Q q 0 0 0 rg BT 497.55 600.10 Td (, ) Tj ET Q q 0 0 0 rg BT 503.04 600.10 Td (due ) Tj ET Q q 0 0 0 rg BT 522.85 600.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.68 600.10 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 585.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 98.33 585.70 Td (for ) Tj ET Q q 0 0 0 rg BT 115.33 585.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.64 585.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 177.31 585.70 Td (and ) Tj ET Q q 0 0 0 rg BT 197.64 585.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 253.96 585.70 Td (expense, ) Tj ET Q q 0 0 0 rg BT 298.61 585.70 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 371.59 585.70 Td (of) Tj ET Q q 0 0 0 rg BT 381.37 585.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 401.70 585.70 Td (by ) Tj ET Q q 0 0 0 rg BT 416.70 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 447.02 585.70 Td (net ) Tj ET Q q 0 0 0 rg BT 464.68 585.70 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 559.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.99 559.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.63 559.30 Td (was ) Tj ET Q q 0 0 0 rg BT 131.95 559.30 Td ($1) Tj ET Q q 0 0 0 rg BT 143.51 559.30 Td (1.1 ) Tj ET Q q 0 0 0 rg BT 161.17 559.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 198.17 559.30 Td (a ) Tj ET Q q 0 0 0 rg BT 206.16 559.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 250.12 559.30 Td (of ) Tj ET Q q 0 0 0 rg BT 262.78 559.30 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 286.44 559.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 323.44 559.30 Td (or ) Tj ET Q q 0 0 0 rg BT 336.10 559.30 Td (13%, ) Tj ET Q q 0 0 0 rg BT 363.76 559.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 413.73 559.30 Td (with ) Tj ET Q q 0 0 0 rg BT 437.73 559.30 Td (the ) Tj ET Q q 0 0 0 rg BT 455.05 559.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.04 559.30 Td (year) Tj ET Q q 0 0 0 rg BT 501.03 559.30 Td (. ) Tj ET Q q 0 0 0 rg BT 506.69 559.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.68 559.30 Td (interest ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 544.90 Td (income ) Tj ET Q q 0 0 0 rg BT 88.47 544.90 Td (was ) Tj ET Q q 0 0 0 rg BT 110.29 544.90 Td ($7.1 ) Tj ET Q q 0 0 0 rg BT 134.44 544.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.93 544.90 Td (down ) Tj ET Q q 0 0 0 rg BT 201.75 544.90 Td ($174 ) Tj ET Q q 0 0 0 rg BT 228.91 544.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 269.73 544.90 Td (or ) Tj ET Q q 0 0 0 rg BT 282.88 544.90 Td (2%, ) Tj ET Q q 0 0 0 rg BT 305.03 544.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 338.84 544.90 Td (by ) Tj ET Q q 0 0 0 rg BT 353.99 544.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 384.47 544.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 422.29 544.90 Td (mar) Tj ET Q q 0 0 0 rg BT 440.73 544.90 Td (gins, ) Tj ET Q q 0 0 0 rg BT 466.89 544.90 Td (spread ) Tj ET Q q 0 0 0 rg BT 501.36 544.90 Td (compression ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 530.50 Td (in ) Tj ET Q q 0 0 0 rg BT 63.06 530.50 Td (Credit ) Tj ET Q q 0 0 0 rg BT 96.77 530.50 Td (Card ) Tj ET Q q 0 0 0 rg BT 123.82 530.50 Td (and ) Tj ET Q q 0 0 0 rg BT 144.05 530.50 Td (Auto ) Tj ET Q q 0 0 0 rg BT 171.77 530.50 Td (and ) Tj ET Q q 0 0 0 rg BT 192.82 530.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 223.86 530.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 248.25 530.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 293.28 530.50 Td (due ) Tj ET Q q 0 0 0 rg BT 314.32 530.50 Td (to ) Tj ET Q q 0 0 0 rg BT 327.38 530.50 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 373.10 530.50 Td (runof) Tj ET Q q 0 0 0 rg BT 398.87 530.50 Td (f, ) Tj ET Q q 0 0 0 rg BT 409.59 530.50 Td (lar) Tj ET Q q 0 0 0 rg BT 422.03 530.50 Td (gely ) Tj ET Q q 0 0 0 rg BT 446.41 530.50 Td (of) Tj ET Q q 0 0 0 rg BT 456.19 530.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 477.24 530.50 Td (by ) Tj ET Q q 0 0 0 rg BT 492.96 530.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 527.34 530.50 Td (deposit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 516.10 Td (balances. ) Tj ET Q q 0 0 0 rg BT 96.56 516.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 154.79 516.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 195.02 516.10 Td (was ) Tj ET Q q 0 0 0 rg BT 215.93 516.10 Td ($4.0billion, ) Tj ET Q q 0 0 0 rg BT 276.52 516.10 Td (a ) Tj ET Q q 0 0 0 rg BT 284.09 516.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 327.64 516.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.89 516.10 Td ($1.5billion, ) Tj ET Q q 0 0 0 rg BT 400.47 516.10 Td (or ) Tj ET Q q 0 0 0 rg BT 412.72 516.10 Td (27%, ) Tj ET Q q 0 0 0 rg BT 439.96 516.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 472.87 516.10 Td (by ) Tj ET Q q 0 0 0 rg BT 487.12 516.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 516.69 516.10 Td (mortgage ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 501.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 72.32 501.70 Td (and ) Tj ET Q q 0 0 0 rg BT 92.64 501.70 Td (related ) Tj ET Q q 0 0 0 rg BT 128.29 501.70 Td (income.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 475.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.41 475.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.50 475.30 Td (for ) Tj ET Q q 0 0 0 rg BT 136.24 475.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.31 475.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.73 475.30 Td (was ) Tj ET Q q 0 0 0 rg BT 219.15 475.30 Td (a ) Tj ET Q q 0 0 0 rg BT 227.22 475.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 263.29 475.30 Td (of ) Tj ET Q q 0 0 0 rg BT 276.04 475.30 Td ($267million, ) Tj ET Q q 0 0 0 rg BT 343.46 475.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 393.52 475.30 Td (with ) Tj ET Q q 0 0 0 rg BT 417.61 475.30 Td (a ) Tj ET Q q 0 0 0 rg BT 425.69 475.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 473.78 475.30 Td (for ) Tj ET Q q 0 0 0 rg BT 490.52 475.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 520.59 475.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.01 475.30 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 460.90 Td ($1.9billion ) Tj ET Q q 0 0 0 rg BT 108.32 460.90 Td (in ) Tj ET Q q 0 0 0 rg BT 120.63 460.90 Td (the ) Tj ET Q q 0 0 0 rg BT 138.27 460.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 164.57 460.90 Td (year ) Tj ET Q q 0 0 0 rg BT 188.20 460.90 Td (and ) Tj ET Q q 0 0 0 rg BT 208.51 460.90 Td (a ) Tj ET Q q 0 0 0 rg BT 216.81 460.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 253.11 460.90 Td (of ) Tj ET Q q 0 0 0 rg BT 266.08 460.90 Td ($19million ) Tj ET Q q 0 0 0 rg BT 324.73 460.90 Td (in ) Tj ET Q q 0 0 0 rg BT 337.05 460.90 Td (the ) Tj ET Q q 0 0 0 rg BT 354.69 460.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 380.99 460.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 414.31 460.90 Td (.? Tj ET Q q 0 0 0 rg BT 420.09 460.90 Td (The ) Tj ET Q q 0 0 0 rg BT 441.73 460.90 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 516.66 460.90 Td (provision ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 446.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 95.39 446.50 Td (a ) Tj ET Q q 0 0 0 rg BT 104.15 446.50 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 128.57 446.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 163.34 446.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 212.08 446.50 Td (in ) Tj ET Q q 0 0 0 rg BT 224.84 446.50 Td (the ) Tj ET Q q 0 0 0 rg BT 242.93 446.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 295.00 446.50 Td (for ) Tj ET Q q 0 0 0 rg BT 312.42 446.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 336.51 446.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 368.60 446.50 Td (and ) Tj ET Q q 0 0 0 rg BT 389.36 446.50 Td (total ) Tj ET Q q 0 0 0 rg BT 414.11 446.50 Td (net ) Tj ET Q q 0 0 0 rg BT 432.20 446.50 Td (char) Tj ET Q q 0 0 0 rg BT 452.63 446.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 477.73 446.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 489.83 446.50 Td (of ) Tj ET Q q 0 0 0 rg BT 503.25 446.50 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 527.68 446.50 Td (billion. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 432.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.97 432.10 Td (prior) Tj ET Q q 0 0 0 rg BT 95.06 432.10 Td (-quarter ) Tj ET Q q 0 0 0 rg BT 136.35 432.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 185.00 432.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 230.28 432.10 Td (a ) Tj ET Q q 0 0 0 rg BT 238.92 432.10 Td ($1.5billion ) Tj ET Q q 0 0 0 rg BT 297.58 432.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 346.21 432.10 Td (in ) Tj ET Q q 0 0 0 rg BT 358.86 432.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.84 432.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 428.79 432.10 Td (for ) Tj ET Q q 0 0 0 rg BT 446.10 432.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 470.08 432.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 502.06 432.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.71 432.10 Td (total ) Tj ET Q q 0 0 0 rg BT 547.35 432.10 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 417.70 Td (char) Tj ET Q q 0 0 0 rg BT 70.43 417.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 95.53 417.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 107.06 417.70 Td (of ) Tj ET Q q 0 0 0 rg BT 119.92 417.70 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 143.78 417.70 Td (billion. ) Tj ET Q q 0 0 0 rg BT 180.77 417.70 Td (The ) Tj ET Q q 0 0 0 rg BT 202.29 417.70 Td (prior) Tj ET Q q 0 0 0 rg BT 225.37 417.70 Td (-year ) Tj ET Q q 0 0 0 rg BT 252.88 417.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 301.07 417.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 345.90 417.70 Td (a ) Tj ET Q q 0 0 0 rg BT 354.08 417.70 Td ($955million ) Tj ET Q q 0 0 0 rg BT 418.61 417.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 466.79 417.70 Td (in ) Tj ET Q q 0 0 0 rg BT 478.99 417.70 Td (the ) Tj ET Q q 0 0 0 rg BT 496.51 417.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 548.01 417.70 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 403.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 74.08 403.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 106.16 403.30 Td (and ) Tj ET Q q 0 0 0 rg BT 126.90 403.30 Td (total ) Tj ET Q q 0 0 0 rg BT 151.65 403.30 Td (net ) Tj ET Q q 0 0 0 rg BT 169.72 403.30 Td (char) Tj ET Q q 0 0 0 rg BT 190.16 403.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 215.26 403.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 227.34 403.30 Td (of ) Tj ET Q q 0 0 0 rg BT 240.75 403.30 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 265.17 403.30 Td (billion. ) Tj ET Q q 0 0 0 rg BT 302.92 403.30 Td (Prior) Tj ET Q q 0 0 0 rg BT 326.68 403.30 Td (-year ) Tj ET Q q 0 0 0 rg BT 354.74 403.30 Td (total ) Tj ET Q q 0 0 0 rg BT 379.48 403.30 Td (net ) Tj ET Q q 0 0 0 rg BT 397.56 403.30 Td (char) Tj ET Q q 0 0 0 rg BT 417.99 403.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 443.09 403.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 455.18 403.30 Td (included ) Tj ET Q q 0 0 0 rg BT 499.91 403.30 Td ($880 ) Tj ET Q q 0 0 0 rg BT 527.33 403.30 Td (million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 388.90 Td (of ) Tj ET Q q 0 0 0 rg BT 61.91 388.90 Td (incremental ) Tj ET Q q 0 0 0 rg BT 120.46 388.90 Td (char) Tj ET Q q 0 0 0 rg BT 140.89 388.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 166.00 388.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 176.58 388.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 218.47 388.90 Td (in ) Tj ET Q q 0 0 0 rg BT 229.72 388.90 Td (accordance ) Tj ET Q q 0 0 0 rg BT 285.58 388.90 Td (with ) Tj ET Q q 0 0 0 rg BT 308.83 388.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 360.06 388.90 Td (guidance ) Tj ET Q q 0 0 0 rg BT 405.29 388.90 Td (on ) Tj ET Q q 0 0 0 rg BT 419.20 388.90 Td (certain ) Tj ET Q q 0 0 0 rg BT 453.76 388.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 481.00 388.90 Td (dischar) Tj ET Q q 0 0 0 rg BT 515.44 388.90 Td (ged ) Tj ET Q q 0 0 0 rg BT 534.68 388.90 Td (under ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 374.50 Td (Chapter ) Tj ET Q q 0 0 0 rg BT 90.99 374.50 Td (7 ) Tj ET Q q 0 0 0 rg BT 99.99 374.50 Td (bankruptcy) Tj ET Q q 0 0 0 rg BT 153.19 374.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 348.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.59 348.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.84 348.10 Td (was ) Tj ET Q q 0 0 0 rg BT 171.10 348.10 Td ($6.9billion, ) Tj ET Q q 0 0 0 rg BT 232.04 348.10 Td (a ) Tj ET Q q 0 0 0 rg BT 239.97 348.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 283.87 348.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.46 348.10 Td ($89million, ) Tj ET Q q 0 0 0 rg BT 357.73 348.10 Td (or ) Tj ET Q q 0 0 0 rg BT 370.33 348.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 391.93 348.10 Td (from ) Tj ET Q q 0 0 0 rg BT 417.86 348.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.12 348.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 461.05 348.10 Td (year) Tj ET Q q 0 0 0 rg BT 481.21 348.10 Td (, ) Tj ET Q q 0 0 0 rg BT 486.82 348.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 520.07 348.10 Td (by ) Tj ET Q q 0 0 0 rg BT 534.68 348.10 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 333.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 98.96 333.70 Td (servicing ) Tj ET Q q 0 0 0 rg BT 146.58 333.70 Td (expense, ) Tj ET Q q 0 0 0 rg BT 191.87 333.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 235.50 333.70 Td (of) Tj ET Q q 0 0 0 rg BT 245.28 333.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 266.24 333.70 Td (by ) Tj ET Q q 0 0 0 rg BT 281.88 333.70 Td (continued ) Tj ET Q q 0 0 0 rg BT 332.84 333.70 Td (investments ) Tj ET Q q 0 0 0 rg BT 393.81 333.70 Td (in ) Tj ET Q q 0 0 0 rg BT 406.78 333.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 439.75 333.70 Td (Private ) Tj ET Q q 0 0 0 rg BT 477.38 333.70 Td (Client ) Tj ET Q q 0 0 0 rg BT 510.35 333.70 Td (expansion, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 319.30 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 319.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 97.33 319.30 Td (related ) Tj ET Q q 0 0 0 rg BT 132.97 319.30 Td (to ) Tj ET Q q 0 0 0 rg BT 145.30 319.30 Td (the ) Tj ET Q q 0 0 0 rg BT 162.96 319.30 Td (control ) Tj ET Q q 0 0 0 rg BT 199.95 319.30 Td (agenda.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 290.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 290.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 290.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 290.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 290.50 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 281.54 Td (\(All comparisons refer to the prior-year quarter except as noted; banking portal ranking is per compete.com, as of ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 417.12 281.54 Td (August 2013\)) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 460.25 276.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 259.11 cm /I12 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 261.70 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 261.70 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 261.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 261.70 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 261.70 Td (23% ) Tj ET Q q 0 0 0 rg BT 234.31 261.70 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 261.70 Td ($46.0billion ) Tj ET Q q 0 0 0 rg BT 313.65 261.70 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 261.70 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 261.70 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 261.70 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 244.71 cm /I13 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 247.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 247.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.73 247.30 Td (total ) Tj ET Q q 0 0 0 rg BT 171.03 247.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 213.34 247.30 Td (were ) Tj ET Q q 0 0 0 rg BT 239.63 247.30 Td ($456.9billion, ) Tj ET Q q 0 0 0 rg BT 312.95 247.30 Td (up ) Tj ET Q q 0 0 0 rg BT 327.92 247.30 Td (10% ) Tj ET Q q 0 0 0 rg BT 352.89 247.30 Td (from ) Tj ET Q q 0 0 0 rg BT 379.20 247.30 Td (the ) Tj ET Q q 0 0 0 rg BT 396.83 247.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.14 247.30 Td (year ) Tj ET Q q 0 0 0 rg BT 446.76 247.30 Td (and ) Tj ET Q q 0 0 0 rg BT 467.06 247.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 486.04 247.30 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 247.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 232.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 131.67 232.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 164.99 232.90 Td (. ) Tj ET Q q 0 0 0 rg BT 171.38 232.90 Td (According ) Tj ET Q q 0 0 0 rg BT 226.37 232.90 Td (to ) Tj ET Q q 0 0 0 rg BT 240.05 232.90 Td (the ) Tj ET Q q 0 0 0 rg BT 259.06 232.90 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 290.74 232.90 Td (2013 ) Tj ET Q q 0 0 0 rg BT 319.09 232.90 Td (Summary ) Tj ET Q q 0 0 0 rg BT 370.10 232.90 Td (of ) Tj ET Q q 0 0 0 rg BT 384.44 232.90 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 430.79 232.90 Td (survey) Tj ET Q q 0 0 0 rg BT 462.00 232.90 Td (, ) Tj ET Q q 0 0 0 rg BT 469.35 232.90 Td (Chase ) Tj ET Q q 0 0 0 rg BT 503.02 232.90 Td (grew ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 218.50 Td (deposits ) Tj ET Q q 0 0 0 rg BT 146.37 218.50 Td (more ) Tj ET Q q 0 0 0 rg BT 174.06 218.50 Td (than ) Tj ET Q q 0 0 0 rg BT 197.76 218.50 Td (any ) Tj ET Q q 0 0 0 rg BT 218.12 218.50 Td (other ) Tj ET Q q 0 0 0 rg BT 245.81 218.50 Td (bank ) Tj ET Q q 0 0 0 rg BT 272.17 218.50 Td (for ) Tj ET Q q 0 0 0 rg BT 289.20 218.50 Td (the ) Tj ET Q q 0 0 0 rg BT 306.89 218.50 Td (second ) Tj ET Q q 0 0 0 rg BT 343.25 218.50 Td (year ) Tj ET Q q 0 0 0 rg BT 366.93 218.50 Td (in ) Tj ET Q q 0 0 0 rg BT 379.30 218.50 Td (a ) Tj ET Q q 0 0 0 rg BT 387.66 218.50 Td (row) Tj ET Q q 0 0 0 rg BT 405.55 218.50 Td (, ) Tj ET Q q 0 0 0 rg BT 411.58 218.50 Td (with ) Tj ET Q q 0 0 0 rg BT 435.95 218.50 Td (a ) Tj ET Q q 0 0 0 rg BT 444.31 218.50 Td (growth ) Tj ET Q q 0 0 0 rg BT 481.34 218.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 502.36 218.50 Td (more ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 204.10 Td (than ) Tj ET Q q 0 0 0 rg BT 127.66 204.10 Td (twice ) Tj ET Q q 0 0 0 rg BT 156.65 204.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.31 204.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 216.64 204.10 Td (average) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 253.94 209.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 257.84 204.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 187.11 cm /I14 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 189.70 Td (Active ) Tj ET Q q 0 0 0 rg BT 138.38 189.70 Td (mobile ) Tj ET Q q 0 0 0 rg BT 174.09 189.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 225.14 189.70 Td (were ) Tj ET Q q 0 0 0 rg BT 250.84 189.70 Td (up ) Tj ET Q q 0 0 0 rg BT 265.23 189.70 Td (30% ) Tj ET Q q 0 0 0 rg BT 289.62 189.70 Td (over ) Tj ET Q q 0 0 0 rg BT 313.33 189.70 Td (the ) Tj ET Q q 0 0 0 rg BT 330.38 189.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.09 189.70 Td (year ) Tj ET Q q 0 0 0 rg BT 379.13 189.70 Td (to ) Tj ET Q q 0 0 0 rg BT 390.85 189.70 Td (15.0 ) Tj ET Q q 0 0 0 rg BT 414.24 189.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 454.30 189.70 Td (and ) Tj ET Q q 0 0 0 rg BT 474.02 189.70 Td (Chase.com ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 175.30 Td (remains ) Tj ET Q q 0 0 0 rg BT 144.99 175.30 Td (the ) Tj ET Q q 0 0 0 rg BT 162.65 175.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 177.65 175.30 Td (most ) Tj ET Q q 0 0 0 rg BT 203.98 175.30 Td (visited ) Tj ET Q q 0 0 0 rg BT 238.98 175.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 280.64 175.30 Td (portal ) Tj ET Q q 0 0 0 rg BT 311.63 175.30 Td (in ) Tj ET Q q 0 0 0 rg BT 323.97 175.30 Td (the ) Tj ET Q q 0 0 0 rg BT 341.63 175.30 Td (U.S.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 158.31 cm /I15 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 160.90 Td (Client ) Tj ET Q q 0 0 0 rg BT 135.81 160.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 190.94 160.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 221.41 160.90 Td (were ) Tj ET Q q 0 0 0 rg BT 247.20 160.90 Td (a ) Tj ET Q q 0 0 0 rg BT 255.00 160.90 Td (record ) Tj ET Q q 0 0 0 rg BT 288.12 160.90 Td ($179.0 ) Tj ET Q q 0 0 0 rg BT 323.59 160.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 360.40 160.90 Td (up ) Tj ET Q q 0 0 0 rg BT 374.87 160.90 Td (16% ) Tj ET Q q 0 0 0 rg BT 399.34 160.90 Td (from ) Tj ET Q q 0 0 0 rg BT 425.15 160.90 Td (the ) Tj ET Q q 0 0 0 rg BT 442.28 160.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 468.08 160.90 Td (year ) Tj ET Q q 0 0 0 rg BT 491.20 160.90 Td (and ) Tj ET Q q 0 0 0 rg BT 511.00 160.90 Td (4% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 146.50 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 146.50 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 146.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 146.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 146.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 129.51 cm /I16 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 132.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 136.35 132.10 Td (card ) Tj ET Q q 0 0 0 rg BT 159.35 132.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 185.04 132.10 Td (volume) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 221.03 137.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 224.93 132.10 Td ( ) Tj ET Q q 0 0 0 rg BT 227.28 132.10 Td (was ) Tj ET Q q 0 0 0 rg BT 248.30 132.10 Td (a ) Tj ET Q q 0 0 0 rg BT 255.98 132.10 Td (record ) Tj ET Q q 0 0 0 rg BT 288.98 132.10 Td ($107.0billion, ) Tj ET Q q 0 0 0 rg BT 361.67 132.10 Td (up ) Tj ET Q q 0 0 0 rg BT 376.03 132.10 Td (1) Tj ET Q q 0 0 0 rg BT 381.58 132.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 399.94 132.10 Td (from ) Tj ET Q q 0 0 0 rg BT 425.62 132.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.63 132.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 468.32 132.10 Td (year ) Tj ET Q q 0 0 0 rg BT 491.32 132.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.00 132.10 Td (2% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 117.70 Td (from ) Tj ET Q q 0 0 0 rg BT 129.56 117.70 Td (the ) Tj ET Q q 0 0 0 rg BT 146.46 117.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 172.02 117.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 205.33 117.70 Td (. ) Tj ET Q q 0 0 0 rg BT 210.57 117.70 Td (General ) Tj ET Q q 0 0 0 rg BT 250.78 117.70 Td (purpose ) Tj ET Q q 0 0 0 rg BT 291.01 117.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 320.56 117.70 Td (card ) Tj ET Q q 0 0 0 rg BT 343.44 117.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 369.00 117.70 Td (volume ) Tj ET Q q 0 0 0 rg BT 407.23 117.70 Td (growth ) Tj ET Q q 0 0 0 rg BT 443.47 117.70 Td (has ) Tj ET Q q 0 0 0 rg BT 461.70 117.70 Td (outperformed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 103.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 103.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 163.99 103.30 Td (for ) Tj ET Q q 0 0 0 rg BT 180.99 103.30 Td (22 ) Tj ET Q q 0 0 0 rg BT 195.99 103.30 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 255.63 103.30 Td (quarters) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 294.28 108.74 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 298.18 103.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 86.31 cm /I17 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 88.90 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 154.17 88.90 Td (processing ) Tj ET Q q 0 0 0 rg BT 209.68 88.90 Td (volume ) Tj ET Q q 0 0 0 rg BT 249.86 88.90 Td (was ) Tj ET Q q 0 0 0 rg BT 272.71 88.90 Td ($185.9 ) Tj ET Q q 0 0 0 rg BT 309.90 88.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 348.42 88.90 Td (up ) Tj ET Q q 0 0 0 rg BT 364.61 88.90 Td (14% ) Tj ET Q q 0 0 0 rg BT 390.79 88.90 Td (from ) Tj ET Q q 0 0 0 rg BT 418.31 88.90 Td (the ) Tj ET Q q 0 0 0 rg BT 437.16 88.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 464.67 88.90 Td (year ) Tj ET Q q 0 0 0 rg BT 489.51 88.90 Td (and ) Tj ET Q q 0 0 0 rg BT 511.02 88.90 Td (flat ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 74.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.29 74.50 Td (with ) Tj ET Q q 0 0 0 rg BT 178.61 74.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 204.92 74.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 238.24 74.50 Td (. ) Tj ET Q q 0 0 0 rg BT 244.01 74.50 Td (T) Tj ET Q q 0 0 0 rg BT 250.50 74.50 Td (otal ) Tj ET Q q 0 0 0 rg BT 271.48 74.50 Td (transactions ) Tj ET Q q 0 0 0 rg BT 331.78 74.50 Td (processed ) Tj ET Q q 0 0 0 rg BT 382.08 74.50 Td (were ) Tj ET Q q 0 0 0 rg BT 408.38 74.50 Td (8.9billion, ) Tj ET Q q 0 0 0 rg BT 463.71 74.50 Td (up ) Tj ET Q q 0 0 0 rg BT 478.69 74.50 Td (20% ) Tj ET Q q 0 0 0 rg BT 503.67 74.50 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 60.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 60.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 60.10 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 60.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 60.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 210.96 60.10 Td (from ) Tj ET Q q 0 0 0 rg BT 237.28 60.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.94 60.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.27 60.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 314.59 60.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 43.11 cm /I18 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 45.70 Td (Auto ) Tj ET Q q 0 0 0 rg BT 131.00 45.70 Td (originations ) Tj ET Q q 0 0 0 rg BT 191.33 45.70 Td (were ) Tj ET Q q 0 0 0 rg BT 217.64 45.70 Td ($6.4 ) Tj ET Q q 0 0 0 rg BT 241.64 45.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 278.98 45.70 Td (up ) Tj ET Q q 0 0 0 rg BT 293.98 45.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 312.97 45.70 Td (from ) Tj ET Q q 0 0 0 rg BT 339.30 45.70 Td (the ) Tj ET Q q 0 0 0 rg BT 356.96 45.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 383.29 45.70 Td (year) Tj ET Q q 0 0 0 rg BT 403.27 45.70 Td (.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I19 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 153.81 740.70 Td (originations ) Tj ET Q q 0 0 0 rg BT 214.30 740.70 Td (were ) Tj ET Q q 0 0 0 rg BT 240.78 740.70 Td ($40.5 ) Tj ET Q q 0 0 0 rg BT 270.94 740.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 308.44 740.70 Td (down ) Tj ET Q q 0 0 0 rg BT 338.26 740.70 Td (14% ) Tj ET Q q 0 0 0 rg BT 363.42 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 389.91 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 407.73 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 434.22 740.70 Td (year ) Tj ET Q q 0 0 0 rg BT 458.03 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 478.51 740.70 Td (17% ) Tj ET Q q 0 0 0 rg BT 503.67 740.70 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.47 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.61 726.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.11 726.30 Td (, ) Tj ET Q q 0 0 0 rg BT 186.93 726.30 Td (including ) Tj ET Q q 0 0 0 rg BT 235.07 726.30 Td (purchase ) Tj ET Q q 0 0 0 rg BT 280.53 726.30 Td (originations ) Tj ET Q q 0 0 0 rg BT 340.67 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 353.48 726.30 Td ($20.0 ) Tj ET Q q 0 0 0 rg BT 383.29 726.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 420.44 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 435.26 726.30 Td (57% ) Tj ET Q q 0 0 0 rg BT 460.07 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 486.21 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 726.30 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (year ) Tj ET Q q 0 0 0 rg BT 127.65 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 147.97 711.90 Td (15% ) Tj ET Q q 0 0 0 rg BT 172.97 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 199.30 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 216.96 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 243.28 711.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 276.60 711.90 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (Consumer) Tj ET Q q 0 0 0 rg BT 103.12 668.70 Td ( ) Tj ET Q q 0 0 0 rg BT 105.78 668.70 Td (& ) Tj ET Q q 0 0 0 rg BT 118.44 668.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 165.12 668.70 Td (Banking) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 208.48 668.70 Td ( ) Tj ET Q q 0 0 0 rg BT 211.14 668.70 Td (net ) Tj ET Q q 0 0 0 rg BT 228.47 668.70 Td (income ) Tj ET Q q 0 0 0 rg BT 266.45 668.70 Td (was ) Tj ET Q q 0 0 0 rg BT 287.78 668.70 Td ($762 ) Tj ET Q q 0 0 0 rg BT 314.44 668.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 354.77 668.70 Td (a ) Tj ET Q q 0 0 0 rg BT 362.76 668.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 406.72 668.70 Td (of ) Tj ET Q q 0 0 0 rg BT 419.38 668.70 Td ($16 ) Tj ET Q q 0 0 0 rg BT 440.04 668.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 480.38 668.70 Td (or ) Tj ET Q q 0 0 0 rg BT 493.04 668.70 Td (2%, ) Tj ET Q q 0 0 0 rg BT 514.70 668.70 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 654.30 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 654.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 654.30 Td (year) Tj ET Q q 0 0 0 rg BT 138.49 654.30 Td (, ) Tj ET Q q 0 0 0 rg BT 144.49 654.30 Td (due ) Tj ET Q q 0 0 0 rg BT 164.81 654.30 Td (to ) Tj ET Q q 0 0 0 rg BT 177.15 654.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 210.80 654.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 267.13 654.30 Td (expense, ) Tj ET Q q 0 0 0 rg BT 311.77 654.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 384.76 654.30 Td (of) Tj ET Q q 0 0 0 rg BT 394.54 654.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 414.86 654.30 Td (by ) Tj ET Q q 0 0 0 rg BT 429.86 654.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 463.52 654.30 Td (net ) Tj ET Q q 0 0 0 rg BT 481.18 654.30 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 633.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.16 633.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.96 633.90 Td (was ) Tj ET Q q 0 0 0 rg BT 132.46 633.90 Td ($4.4 ) Tj ET Q q 0 0 0 rg BT 156.29 633.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.46 633.90 Td (up ) Tj ET Q q 0 0 0 rg BT 208.29 633.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 227.12 633.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.26 633.90 Td (with ) Tj ET Q q 0 0 0 rg BT 301.42 633.90 Td (the ) Tj ET Q q 0 0 0 rg BT 318.91 633.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 345.07 633.90 Td (year) Tj ET Q q 0 0 0 rg BT 365.06 633.90 Td (. ) Tj ET Q q 0 0 0 rg BT 370.89 633.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 391.05 633.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 429.20 633.90 Td (income ) Tj ET Q q 0 0 0 rg BT 467.35 633.90 Td (was ) Tj ET Q q 0 0 0 rg BT 488.84 633.90 Td ($2.7billion, ) Tj ET Q q 0 0 0 rg BT 550.01 633.90 Td (up ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 619.50 Td (1% ) Tj ET Q q 0 0 0 rg BT 68.85 619.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 119.02 619.50 Td (with ) Tj ET Q q 0 0 0 rg BT 143.21 619.50 Td (the ) Tj ET Q q 0 0 0 rg BT 160.72 619.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 186.91 619.50 Td (year) Tj ET Q q 0 0 0 rg BT 207.08 619.50 Td (, ) Tj ET Q q 0 0 0 rg BT 212.93 619.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 246.44 619.50 Td (by ) Tj ET Q q 0 0 0 rg BT 261.30 619.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 294.81 619.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 332.33 619.50 Td (balances, ) Tj ET Q q 0 0 0 rg BT 379.50 619.50 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 452.34 619.50 Td (of) Tj ET Q q 0 0 0 rg BT 462.12 619.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 482.30 619.50 Td (by ) Tj ET Q q 0 0 0 rg BT 497.16 619.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 527.34 619.50 Td (deposit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (mar) Tj ET Q q 0 0 0 rg BT 68.44 605.10 Td (gins. ) Tj ET Q q 0 0 0 rg BT 94.22 605.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 152.99 605.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 193.75 605.10 Td (was ) Tj ET Q q 0 0 0 rg BT 215.19 605.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 238.97 605.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 276.08 605.10 Td (an ) Tj ET Q q 0 0 0 rg BT 290.19 605.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 332.28 605.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.05 605.10 Td (5%, ) Tj ET Q q 0 0 0 rg BT 366.83 605.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 400.26 605.10 Td (by ) Tj ET Q q 0 0 0 rg BT 415.04 605.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 448.48 605.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 503.92 605.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 544.67 605.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 590.70 Td (debit ) Tj ET Q q 0 0 0 rg BT 76.99 590.70 Td (card ) Tj ET Q q 0 0 0 rg BT 100.64 590.70 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 570.30 Td (The ) Tj ET Q q 0 0 0 rg BT 72.60 570.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 121.88 570.30 Td (for ) Tj ET Q q 0 0 0 rg BT 139.82 570.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 171.08 570.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 203.70 570.30 Td (was ) Tj ET Q q 0 0 0 rg BT 226.31 570.30 Td ($104 ) Tj ET Q q 0 0 0 rg BT 254.25 570.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 295.87 570.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 347.13 570.30 Td (with ) Tj ET Q q 0 0 0 rg BT 372.41 570.30 Td ($107 ) Tj ET Q q 0 0 0 rg BT 400.35 570.30 Td (million ) Tj ET Q q 0 0 0 rg BT 438.97 570.30 Td (in ) Tj ET Q q 0 0 0 rg BT 452.25 570.30 Td (the ) Tj ET Q q 0 0 0 rg BT 470.86 570.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 498.13 570.30 Td (year ) Tj ET Q q 0 0 0 rg BT 522.72 570.30 Td (and ) Tj ET Q q 0 0 0 rg BT 544.00 570.30 Td ($74 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 555.90 Td (million ) Tj ET Q q 0 0 0 rg BT 87.94 555.90 Td (in ) Tj ET Q q 0 0 0 rg BT 100.55 555.90 Td (the ) Tj ET Q q 0 0 0 rg BT 118.48 555.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 145.08 555.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 178.40 555.90 Td (. ) Tj ET Q q 0 0 0 rg BT 184.43 555.90 Td (The ) Tj ET Q q 0 0 0 rg BT 206.36 555.90 Td (net ) Tj ET Q q 0 0 0 rg BT 224.29 555.90 Td (char) Tj ET Q q 0 0 0 rg BT 244.73 555.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 269.83 555.90 Td (f ) Tj ET Q q 0 0 0 rg BT 277.10 555.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 298.35 555.90 Td (was ) Tj ET Q q 0 0 0 rg BT 320.29 555.90 Td (2.10%, ) Tj ET Q q 0 0 0 rg BT 357.55 555.90 Td (down ) Tj ET Q q 0 0 0 rg BT 387.49 555.90 Td (from ) Tj ET Q q 0 0 0 rg BT 414.09 555.90 Td (2.33% ) Tj ET Q q 0 0 0 rg BT 448.36 555.90 Td (in ) Tj ET Q q 0 0 0 rg BT 460.97 555.90 Td (the ) Tj ET Q q 0 0 0 rg BT 478.90 555.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 505.50 555.90 Td (year ) Tj ET Q q 0 0 0 rg BT 529.42 555.90 Td (and ) Tj ET Q q 0 0 0 rg BT 550.02 555.90 Td (up ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 541.50 Td (from ) Tj ET Q q 0 0 0 rg BT 76.33 541.50 Td (1.58% ) Tj ET Q q 0 0 0 rg BT 110.32 541.50 Td (in ) Tj ET Q q 0 0 0 rg BT 122.66 541.50 Td (the ) Tj ET Q q 0 0 0 rg BT 140.32 541.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 166.64 541.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 199.96 541.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 521.10 Td (Noninterest expense was $3.1 billion, up 5% from the prior year) Tj ET Q q 0 0 0 rg BT 358.11 521.10 Td (, reflecting continued investments in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 506.70 Td (Chase Private Client expansion, and costs related to the control agenda.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 480.30 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 480.30 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 480.30 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 480.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 480.30 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 471.34 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 448.91 cm /I20 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 451.50 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 451.50 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 451.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 451.50 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 451.50 Td (27% ) Tj ET Q q 0 0 0 rg BT 234.31 451.50 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 451.50 Td ($1) Tj ET Q q 0 0 0 rg BT 260.87 451.50 Td (1.0billion ) Tj ET Q q 0 0 0 rg BT 313.20 451.50 Td (of ) Tj ET Q q 0 0 0 rg BT 326.20 451.50 Td (average ) Tj ET Q q 0 0 0 rg BT 366.50 451.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 412.81 451.50 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 434.51 cm /I21 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 437.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 437.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.76 437.10 Td (total ) Tj ET Q q 0 0 0 rg BT 171.10 437.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 213.44 437.10 Td (were ) Tj ET Q q 0 0 0 rg BT 239.76 437.10 Td ($438.1billion, ) Tj ET Q q 0 0 0 rg BT 313.11 437.10 Td (up ) Tj ET Q q 0 0 0 rg BT 328.12 437.10 Td (1) Tj ET Q q 0 0 0 rg BT 333.67 437.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 352.67 437.10 Td (from ) Tj ET Q q 0 0 0 rg BT 379.01 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.68 437.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.01 437.10 Td (year ) Tj ET Q q 0 0 0 rg BT 446.67 437.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.01 437.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 486.01 437.10 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 437.10 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 422.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 422.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 422.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 405.71 cm /I22 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 408.30 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.92 408.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 159.19 408.30 Td (in ) Tj ET Q q 0 0 0 rg BT 171.79 408.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 214.39 408.30 Td (in ) Tj ET Q q 0 0 0 rg BT 226.99 408.30 Td (our ) Tj ET Q q 0 0 0 rg BT 246.25 408.30 Td (three ) Tj ET Q q 0 0 0 rg BT 273.50 408.30 Td (lar) Tj ET Q q 0 0 0 rg BT 285.94 408.30 Td (gest ) Tj ET Q q 0 0 0 rg BT 308.54 408.30 Td (markets ) Tj ET Q q 0 0 0 rg BT 349.79 408.30 Td (- ) Tj ET Q q 0 0 0 rg BT 357.05 408.30 Td (New ) Tj ET Q q 0 0 0 rg BT 382.49 408.30 Td (Y) Tj ET Q q 0 0 0 rg BT 389.96 408.30 Td (ork, ) Tj ET Q q 0 0 0 rg BT 412.22 408.30 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 458.48 408.30 Td (Houston ) Tj ET Q q 0 0 0 rg BT 502.42 408.30 Td (- ) Tj ET Q q 0 0 0 rg BT 509.68 408.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 393.90 Td (grew ) Tj ET Q q 0 0 0 rg BT 130.99 393.90 Td (share ) Tj ET Q q 0 0 0 rg BT 159.31 393.90 Td (in ) Tj ET Q q 0 0 0 rg BT 171.64 393.90 Td (each. ) Tj ET Q q 0 0 0 rg BT 199.62 393.90 Td (Grew ) Tj ET Q q 0 0 0 rg BT 229.27 393.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 266.94 393.90 Td (share ) Tj ET Q q 0 0 0 rg BT 295.26 393.90 Td (in ) Tj ET Q q 0 0 0 rg BT 307.59 393.90 Td (20 ) Tj ET Q q 0 0 0 rg BT 322.59 393.90 Td (of ) Tj ET Q q 0 0 0 rg BT 335.59 393.90 Td (25 ) Tj ET Q q 0 0 0 rg BT 350.59 393.90 Td (of ) Tj ET Q q 0 0 0 rg BT 363.58 393.90 Td (our ) Tj ET Q q 0 0 0 rg BT 382.58 393.90 Td (lar) Tj ET Q q 0 0 0 rg BT 395.02 393.90 Td (gest ) Tj ET Q q 0 0 0 rg BT 417.35 393.90 Td (markets) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 455.33 399.34 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 459.23 393.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 376.91 cm /I23 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 379.50 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 143.73 379.50 Td (mar) Tj ET Q q 0 0 0 rg BT 162.17 379.50 Td (gin ) Tj ET Q q 0 0 0 rg BT 179.90 379.50 Td (was ) Tj ET Q q 0 0 0 rg BT 200.96 379.50 Td (2.32%, ) Tj ET Q q 0 0 0 rg BT 237.36 379.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 287.07 379.50 Td (with ) Tj ET Q q 0 0 0 rg BT 310.80 379.50 Td (2.56% ) Tj ET Q q 0 0 0 rg BT 344.20 379.50 Td (in ) Tj ET Q q 0 0 0 rg BT 355.93 379.50 Td (the ) Tj ET Q q 0 0 0 rg BT 372.99 379.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 398.71 379.50 Td (year ) Tj ET Q q 0 0 0 rg BT 421.76 379.50 Td (and ) Tj ET Q q 0 0 0 rg BT 441.49 379.50 Td (2.31% ) Tj ET Q q 0 0 0 rg BT 474.88 379.50 Td (in ) Tj ET Q q 0 0 0 rg BT 486.62 379.50 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 379.50 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 365.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 365.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 348.11 cm /I24 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 350.70 Td (Accounts) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 149.32 356.14 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 153.22 350.70 Td ( ) Tj ET Q q 0 0 0 rg BT 155.96 350.70 Td (totaled ) Tj ET Q q 0 0 0 rg BT 191.36 350.70 Td (29.3million, ) Tj ET Q q 0 0 0 rg BT 255.77 350.70 Td (up ) Tj ET Q q 0 0 0 rg BT 270.51 350.70 Td (5% ) Tj ET Q q 0 0 0 rg BT 289.25 350.70 Td (from ) Tj ET Q q 0 0 0 rg BT 315.31 350.70 Td (the ) Tj ET Q q 0 0 0 rg BT 332.71 350.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 358.78 350.70 Td (year ) Tj ET Q q 0 0 0 rg BT 382.17 350.70 Td (and ) Tj ET Q q 0 0 0 rg BT 402.24 350.70 Td (1% ) Tj ET Q q 0 0 0 rg BT 420.97 350.70 Td (from ) Tj ET Q q 0 0 0 rg BT 447.04 350.70 Td (the ) Tj ET Q q 0 0 0 rg BT 464.44 350.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.51 350.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 524.01 350.70 Td (, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 336.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 152.97 336.30 Td (strong ) Tj ET Q q 0 0 0 rg BT 185.97 336.30 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 246.30 336.30 Td (and ) Tj ET Q q 0 0 0 rg BT 266.63 336.30 Td (low ) Tj ET Q q 0 0 0 rg BT 287.63 336.30 Td (customer ) Tj ET Q q 0 0 0 rg BT 334.61 336.30 Td (attrition.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 319.31 cm /I25 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 321.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 321.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.11 321.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 193.14 321.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 237.16 321.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 265.85 321.90 Td (were ) Tj ET Q q 0 0 0 rg BT 292.53 321.90 Td ($18.6billion, ) Tj ET Q q 0 0 0 rg BT 360.22 321.90 Td (up ) Tj ET Q q 0 0 0 rg BT 375.58 321.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 394.94 321.90 Td (from ) Tj ET Q q 0 0 0 rg BT 421.62 321.90 Td (the ) Tj ET Q q 0 0 0 rg BT 439.64 321.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.32 321.90 Td (year ) Tj ET Q q 0 0 0 rg BT 490.33 321.90 Td (and ) Tj ET Q q 0 0 0 rg BT 511.02 321.90 Td (flat ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 307.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.19 307.50 Td (with ) Tj ET Q q 0 0 0 rg BT 178.40 307.50 Td (the ) Tj ET Q q 0 0 0 rg BT 195.94 307.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.15 307.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 255.46 307.50 Td (. ) Tj ET Q q 0 0 0 rg BT 261.34 307.50 Td (Originations ) Tj ET Q q 0 0 0 rg BT 324.22 307.50 Td (were ) Tj ET Q q 0 0 0 rg BT 350.41 307.50 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 374.29 307.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 411.51 307.50 Td (down ) Tj ET Q q 0 0 0 rg BT 441.05 307.50 Td (1% ) Tj ET Q q 0 0 0 rg BT 459.93 307.50 Td (from ) Tj ET Q q 0 0 0 rg BT 486.14 307.50 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 307.50 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 293.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 140.98 293.10 Td (and ) Tj ET Q q 0 0 0 rg BT 161.30 293.10 Td (23% ) Tj ET Q q 0 0 0 rg BT 186.30 293.10 Td (from ) Tj ET Q q 0 0 0 rg BT 212.63 293.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.29 293.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 256.61 293.10 Td (year) Tj ET Q q 0 0 0 rg BT 276.60 293.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 276.11 cm /I26 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 278.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 136.65 278.70 Td (Private ) Tj ET Q q 0 0 0 rg BT 173.96 278.70 Td (Client ) Tj ET Q q 0 0 0 rg BT 206.61 278.70 Td (locations ) Tj ET Q q 0 0 0 rg BT 253.25 278.70 Td (totaled ) Tj ET Q q 0 0 0 rg BT 289.22 278.70 Td (1,948, ) Tj ET Q q 0 0 0 rg BT 322.54 278.70 Td (an ) Tj ET Q q 0 0 0 rg BT 337.19 278.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 379.81 278.70 Td (of ) Tj ET Q q 0 0 0 rg BT 393.13 278.70 Td (988 ) Tj ET Q q 0 0 0 rg BT 414.45 278.70 Td (from ) Tj ET Q q 0 0 0 rg BT 441.09 278.70 Td (the ) Tj ET Q q 0 0 0 rg BT 459.07 278.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 485.72 278.70 Td (year ) Tj ET Q q 0 0 0 rg BT 509.69 278.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 264.30 Td (257 ) Tj ET Q q 0 0 0 rg BT 125.00 264.30 Td (from ) Tj ET Q q 0 0 0 rg BT 151.33 264.30 Td (the ) Tj ET Q q 0 0 0 rg BT 168.99 264.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 195.31 264.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 228.63 264.30 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 237.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 103.37 237.90 Td (Banking) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 146.73 237.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 149.56 237.90 Td (net ) Tj ET Q q 0 0 0 rg BT 167.61 237.90 Td (income ) Tj ET Q q 0 0 0 rg BT 206.33 237.90 Td (was ) Tj ET Q q 0 0 0 rg BT 228.39 237.90 Td ($705 ) Tj ET Q q 0 0 0 rg BT 255.78 237.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 296.85 237.90 Td (an ) Tj ET Q q 0 0 0 rg BT 311.57 237.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 354.27 237.90 Td (of ) Tj ET Q q 0 0 0 rg BT 367.66 237.90 Td ($82 ) Tj ET Q q 0 0 0 rg BT 389.06 237.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 430.12 237.90 Td (or ) Tj ET Q q 0 0 0 rg BT 443.52 237.90 Td (13%, ) Tj ET Q q 0 0 0 rg BT 471.91 237.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 522.61 237.90 Td (with ) Tj ET Q q 0 0 0 rg BT 547.34 237.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 223.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 75.43 223.50 Td (year) Tj ET Q q 0 0 0 rg BT 95.59 223.50 Td (, ) Tj ET Q q 0 0 0 rg BT 100.70 223.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 133.45 223.50 Td (by ) Tj ET Q q 0 0 0 rg BT 147.55 223.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 176.98 223.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 224.41 223.50 Td (for ) Tj ET Q q 0 0 0 rg BT 240.50 223.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 269.92 223.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 300.69 223.50 Td (and ) Tj ET Q q 0 0 0 rg BT 320.12 223.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 375.54 223.50 Td (expense, ) Tj ET Q q 0 0 0 rg BT 419.29 223.50 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 491.37 223.50 Td (of) Tj ET Q q 0 0 0 rg BT 501.15 223.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 520.58 223.50 Td (by ) Tj ET Q q 0 0 0 rg BT 534.68 223.50 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 209.10 Td (net ) Tj ET Q q 0 0 0 rg BT 67.66 209.10 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 180.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.63 180.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.91 180.30 Td (was ) Tj ET Q q 0 0 0 rg BT 133.88 180.30 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 158.18 180.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 195.82 180.30 Td (a ) Tj ET Q q 0 0 0 rg BT 204.45 180.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 249.05 180.30 Td (of ) Tj ET Q q 0 0 0 rg BT 262.36 180.30 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 286.66 180.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 321.30 180.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 371.91 180.30 Td (with ) Tj ET Q q 0 0 0 rg BT 396.55 180.30 Td (the ) Tj ET Q q 0 0 0 rg BT 414.52 180.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.15 180.30 Td (year) Tj ET Q q 0 0 0 rg BT 461.13 180.30 Td (. ) Tj ET Q q 0 0 0 rg BT 467.44 180.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.07 180.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.70 180.30 Td (income ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 165.90 Td (was ) Tj ET Q q 0 0 0 rg BT 72.18 165.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 96.70 165.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 134.56 165.90 Td (a ) Tj ET Q q 0 0 0 rg BT 143.40 165.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 188.22 165.90 Td (of ) Tj ET Q q 0 0 0 rg BT 201.74 165.90 Td ($44 ) Tj ET Q q 0 0 0 rg BT 223.26 165.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 264.45 165.90 Td (or ) Tj ET Q q 0 0 0 rg BT 277.96 165.90 Td (4%, ) Tj ET Q q 0 0 0 rg BT 300.48 165.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 334.66 165.90 Td (by ) Tj ET Q q 0 0 0 rg BT 350.18 165.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 381.02 165.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 405.20 165.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 450.03 165.90 Td (due ) Tj ET Q q 0 0 0 rg BT 470.87 165.90 Td (to ) Tj ET Q q 0 0 0 rg BT 483.73 165.90 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 529.24 165.90 Td (runof) Tj ET Q q 0 0 0 rg BT 555.02 165.90 Td (f. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 151.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.53 151.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 149.05 151.50 Td (was ) Tj ET Q q 0 0 0 rg BT 170.26 151.50 Td ($877 ) Tj ET Q q 0 0 0 rg BT 196.80 151.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 237.02 151.50 Td (a ) Tj ET Q q 0 0 0 rg BT 244.89 151.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 288.73 151.50 Td (of ) Tj ET Q q 0 0 0 rg BT 301.27 151.50 Td ($1.6billion, ) Tj ET Q q 0 0 0 rg BT 362.15 151.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 395.35 151.50 Td (by ) Tj ET Q q 0 0 0 rg BT 409.89 151.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 439.76 151.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 487.62 151.50 Td (fees ) Tj ET Q q 0 0 0 rg BT 509.48 151.50 Td (and ) Tj ET Q q 0 0 0 rg BT 529.35 151.50 Td (related ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 137.10 Td (income.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 108.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.56 108.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.79 108.30 Td (for ) Tj ET Q q 0 0 0 rg BT 136.69 108.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.91 108.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.48 108.30 Td (was ) Tj ET Q q 0 0 0 rg BT 220.04 108.30 Td (a ) Tj ET Q q 0 0 0 rg BT 228.27 108.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 264.49 108.30 Td (of ) Tj ET Q q 0 0 0 rg BT 277.39 108.30 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 301.29 108.30 Td (billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 332.62 113.74 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 336.52 108.30 Td (, ) Tj ET Q q 0 0 0 rg BT 342.43 108.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 392.64 108.30 Td (with ) Tj ET Q q 0 0 0 rg BT 416.87 108.30 Td (a ) Tj ET Q q 0 0 0 rg BT 425.10 108.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 473.34 108.30 Td (for ) Tj ET Q q 0 0 0 rg BT 490.23 108.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 520.45 108.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.02 108.30 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 93.90 Td ($524million ) Tj ET Q q 0 0 0 rg BT 115.18 93.90 Td (in ) Tj ET Q q 0 0 0 rg BT 128.02 93.90 Td (the ) Tj ET Q q 0 0 0 rg BT 146.18 93.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 173.02 93.90 Td (year) Tj ET Q q 0 0 0 rg BT 193.00 93.90 Td (. ) Tj ET Q q 0 0 0 rg BT 199.26 93.90 Td (The ) Tj ET Q q 0 0 0 rg BT 221.42 93.90 Td (current ) Tj ET Q q 0 0 0 rg BT 258.91 93.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 296.39 93.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 341.86 93.90 Td (a ) Tj ET Q q 0 0 0 rg BT 350.70 93.90 Td ($1.25 ) Tj ET Q q 0 0 0 rg BT 381.20 93.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 416.05 93.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 464.87 93.90 Td (in ) Tj ET Q q 0 0 0 rg BT 477.71 93.90 Td (the ) Tj ET Q q 0 0 0 rg BT 495.88 93.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 548.02 93.90 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 79.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 75.54 79.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 109.10 79.50 Td (due ) Tj ET Q q 0 0 0 rg BT 131.31 79.50 Td (to ) Tj ET Q q 0 0 0 rg BT 145.52 79.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 177.73 79.50 Td (estimated ) Tj ET Q q 0 0 0 rg BT 228.60 79.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 262.15 79.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 313.01 79.50 Td (continued ) Tj ET Q q 0 0 0 rg BT 365.21 79.50 Td (home ) Tj ET Q q 0 0 0 rg BT 396.75 79.50 Td (price ) Tj ET Q q 0 0 0 rg BT 425.62 79.50 Td (improvement ) Tj ET Q q 0 0 0 rg BT 494.49 79.50 Td (and ) Tj ET Q q 0 0 0 rg BT 516.70 79.50 Td (favorable ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 65.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 111.88 65.10 Td (trends. ) Tj ET Q q 0 0 0 rg BT 147.21 65.10 Td (The ) Tj ET Q q 0 0 0 rg BT 169.09 65.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 195.65 65.10 Td (year ) Tj ET Q q 0 0 0 rg BT 219.53 65.10 Td (included ) Tj ET Q q 0 0 0 rg BT 264.09 65.10 Td (a ) Tj ET Q q 0 0 0 rg BT 272.65 65.10 Td ($900 ) Tj ET Q q 0 0 0 rg BT 299.88 65.10 Td (million ) Tj ET Q q 0 0 0 rg BT 337.78 65.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 386.33 65.10 Td (in ) Tj ET Q q 0 0 0 rg BT 398.90 65.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.79 65.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 468.66 65.10 Td (for ) Tj ET Q q 0 0 0 rg BT 485.89 65.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 509.78 65.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 544.68 65.10 Td (Net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 50.70 Td (char) Tj ET Q q 0 0 0 rg BT 70.43 50.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 95.53 50.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 107.06 50.70 Td (were ) Tj ET Q q 0 0 0 rg BT 133.24 50.70 Td ($206 ) Tj ET Q q 0 0 0 rg BT 160.10 50.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 200.63 50.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 250.80 50.70 Td (with ) Tj ET Q q 0 0 0 rg BT 275.00 50.70 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 298.86 50.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 333.06 50.70 Td (in ) Tj ET Q q 0 0 0 rg BT 345.26 50.70 Td (the ) Tj ET Q q 0 0 0 rg BT 362.78 50.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 388.97 50.70 Td (year) Tj ET Q q 0 0 0 rg BT 408.95 50.70 Td (. ) Tj ET Q q 0 0 0 rg BT 414.82 50.70 Td (Prior) Tj ET Q q 0 0 0 rg BT 438.58 50.70 Td (-year ) Tj ET Q q 0 0 0 rg BT 466.08 50.70 Td (total ) Tj ET Q q 0 0 0 rg BT 490.27 50.70 Td (net ) Tj ET Q q 0 0 0 rg BT 507.80 50.70 Td (char) Tj ET Q q 0 0 0 rg BT 528.23 50.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 553.33 50.70 Td (fs ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (included ) Tj ET Q q 0 0 0 rg BT 93.57 740.70 Td ($825 ) Tj ET Q q 0 0 0 rg BT 119.83 740.70 Td (million ) Tj ET Q q 0 0 0 rg BT 156.75 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 169.00 740.70 Td (incremental ) Tj ET Q q 0 0 0 rg BT 227.90 740.70 Td (char) Tj ET Q q 0 0 0 rg BT 248.33 740.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 273.43 740.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 284.35 740.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 326.58 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 338.17 740.70 Td (accordance ) Tj ET Q q 0 0 0 rg BT 394.38 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 417.97 740.70 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 469.53 740.70 Td (guidance ) Tj ET Q q 0 0 0 rg BT 515.10 740.70 Td (on ) Tj ET Q q 0 0 0 rg BT 529.35 740.70 Td (certain ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 78.33 726.30 Td (dischar) Tj ET Q q 0 0 0 rg BT 112.77 726.30 Td (ged ) Tj ET Q q 0 0 0 rg BT 133.09 726.30 Td (under ) Tj ET Q q 0 0 0 rg BT 163.41 726.30 Td (Chapter ) Tj ET Q q 0 0 0 rg BT 204.40 726.30 Td (7 ) Tj ET Q q 0 0 0 rg BT 213.40 726.30 Td (bankruptcy) Tj ET Q q 0 0 0 rg BT 266.60 726.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (Noninterest expense was $1.9 billion, a decrease of $223 million, or 1) Tj ET Q q 0 0 0 rg BT 385.47 697.50 Td (1%, from the prior year) Tj ET Q q 0 0 0 rg BT 497.95 697.50 Td (, due to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (lower servicing expense.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 654.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 102.73 654.30 Td (Production) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 158.07 654.30 Td ( ) Tj ET Q q 0 0 0 rg BT 162.81 654.30 Td (pretax ) Tj ET Q q 0 0 0 rg BT 197.52 654.30 Td (income ) Tj ET Q q 0 0 0 rg BT 237.57 654.30 Td (was ) Tj ET Q q 0 0 0 rg BT 260.97 654.30 Td ($90million, ) Tj ET Q q 0 0 0 rg BT 324.37 654.30 Td (a ) Tj ET Q q 0 0 0 rg BT 334.43 654.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 380.46 654.30 Td (of ) Tj ET Q q 0 0 0 rg BT 395.19 654.30 Td ($997 ) Tj ET Q q 0 0 0 rg BT 423.92 654.30 Td (million ) Tj ET Q q 0 0 0 rg BT 463.32 654.30 Td (from ) Tj ET Q q 0 0 0 rg BT 491.38 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 510.77 654.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.83 654.30 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 654.30 Td (, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 639.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 102.24 639.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 135.84 639.90 Td (volumes ) Tj ET Q q 0 0 0 rg BT 182.77 639.90 Td (and ) Tj ET Q q 0 0 0 rg BT 206.37 639.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 239.96 639.90 Td (mar) Tj ET Q q 0 0 0 rg BT 258.40 639.90 Td (gins, ) Tj ET Q q 0 0 0 rg BT 287.67 639.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 333.93 639.90 Td (of) Tj ET Q q 0 0 0 rg BT 343.71 639.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 367.30 639.90 Td (by ) Tj ET Q q 0 0 0 rg BT 385.58 639.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 419.17 639.90 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 477.41 639.90 Td (losses. ) Tj ET Q q 0 0 0 rg BT 515.35 639.90 Td (Mortgage ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 625.50 Td (production-related ) Tj ET Q q 0 0 0 rg BT 142.48 625.50 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 187.30 625.50 Td (excluding ) Tj ET Q q 0 0 0 rg BT 238.46 625.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 294.28 625.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 329.79 625.50 Td (was ) Tj ET Q q 0 0 0 rg BT 352.30 625.50 Td ($584 ) Tj ET Q q 0 0 0 rg BT 380.15 625.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 421.67 625.50 Td (a ) Tj ET Q q 0 0 0 rg BT 430.84 625.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 475.98 625.50 Td (of ) Tj ET Q q 0 0 0 rg BT 489.83 625.50 Td ($1.2billion, ) Tj ET Q q 0 0 0 rg BT 552.01 625.50 Td (or ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 611.10 Td (67%, ) Tj ET Q q 0 0 0 rg BT 77.56 611.10 Td (from ) Tj ET Q q 0 0 0 rg BT 103.46 611.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.69 611.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 146.58 611.10 Td (year) Tj ET Q q 0 0 0 rg BT 166.75 611.10 Td (, ) Tj ET Q q 0 0 0 rg BT 172.32 611.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 220.86 611.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 250.75 611.10 Td (volumes ) Tj ET Q q 0 0 0 rg BT 293.98 611.10 Td (from ) Tj ET Q q 0 0 0 rg BT 319.87 611.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 349.77 611.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 374.99 611.10 Td (and ) Tj ET Q q 0 0 0 rg BT 394.89 611.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 424.78 611.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 465.32 611.10 Td (mar) Tj ET Q q 0 0 0 rg BT 483.76 611.10 Td (gins. ) Tj ET Q q 0 0 0 rg BT 509.33 611.10 Td (Production ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 596.70 Td (expense) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 88.65 602.14 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 92.55 596.70 Td ( ) Tj ET Q q 0 0 0 rg BT 95.75 596.70 Td (was ) Tj ET Q q 0 0 0 rg BT 117.62 596.70 Td ($669 ) Tj ET Q q 0 0 0 rg BT 144.82 596.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 185.69 596.70 Td (a ) Tj ET Q q 0 0 0 rg BT 194.22 596.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 238.72 596.70 Td (of ) Tj ET Q q 0 0 0 rg BT 251.92 596.70 Td ($9million ) Tj ET Q q 0 0 0 rg BT 304.80 596.70 Td (from ) Tj ET Q q 0 0 0 rg BT 331.33 596.70 Td (the ) Tj ET Q q 0 0 0 rg BT 349.19 596.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 375.72 596.70 Td (year) Tj ET Q q 0 0 0 rg BT 395.71 596.70 Td (. ) Tj ET Q q 0 0 0 rg BT 401.91 596.70 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 461.09 596.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 492.96 596.70 Td (for ) Tj ET Q q 0 0 0 rg BT 510.16 596.70 Td (the ) Tj ET Q q 0 0 0 rg BT 528.02 596.70 Td (current ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 582.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 86.18 582.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 130.35 582.30 Td (a ) Tj ET Q q 0 0 0 rg BT 137.87 582.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 173.39 582.30 Td (of ) Tj ET Q q 0 0 0 rg BT 185.59 582.30 Td ($175 ) Tj ET Q q 0 0 0 rg BT 211.79 582.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 251.66 582.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 301.17 582.30 Td (with ) Tj ET Q q 0 0 0 rg BT 324.71 582.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 355.58 582.30 Td (of ) Tj ET Q q 0 0 0 rg BT 367.78 582.30 Td ($13 ) Tj ET Q q 0 0 0 rg BT 387.98 582.30 Td (million ) Tj ET Q q 0 0 0 rg BT 424.85 582.30 Td (in ) Tj ET Q q 0 0 0 rg BT 436.39 582.30 Td (the ) Tj ET Q q 0 0 0 rg BT 453.25 582.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 478.78 582.30 Td (year ) Tj ET Q q 0 0 0 rg BT 501.63 582.30 Td (and ) Tj ET Q q 0 0 0 rg BT 521.16 582.30 Td (a ) Tj ET Q q 0 0 0 rg BT 528.68 582.30 Td (benefit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 567.90 Td (of ) Tj ET Q q 0 0 0 rg BT 64.17 567.90 Td ($16 ) Tj ET Q q 0 0 0 rg BT 86.35 567.90 Td (million ) Tj ET Q q 0 0 0 rg BT 125.19 567.90 Td (in ) Tj ET Q q 0 0 0 rg BT 138.71 567.90 Td (the ) Tj ET Q q 0 0 0 rg BT 157.54 567.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 185.04 567.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 218.36 567.90 Td (. ) Tj ET Q q 0 0 0 rg BT 225.23 567.90 Td (The ) Tj ET Q q 0 0 0 rg BT 248.07 567.90 Td (current ) Tj ET Q q 0 0 0 rg BT 286.22 567.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 324.38 567.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 370.52 567.90 Td (a ) Tj ET Q q 0 0 0 rg BT 380.02 567.90 Td ($300 ) Tj ET Q q 0 0 0 rg BT 408.20 567.90 Td (million ) Tj ET Q q 0 0 0 rg BT 447.04 567.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 496.54 567.90 Td (in ) Tj ET Q q 0 0 0 rg BT 510.05 567.90 Td (repurchase ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 553.50 Td (liability ) Tj ET Q q 0 0 0 rg BT 89.60 553.50 Td (and ) Tj ET Q q 0 0 0 rg BT 109.20 553.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 138.80 553.50 Td (realized ) Tj ET Q q 0 0 0 rg BT 179.04 553.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 233.28 553.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 267.22 553.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 316.81 553.50 Td (with ) Tj ET Q q 0 0 0 rg BT 340.41 553.50 Td (a ) Tj ET Q q 0 0 0 rg BT 348.01 553.50 Td ($218 ) Tj ET Q q 0 0 0 rg BT 374.29 553.50 Td (million ) Tj ET Q q 0 0 0 rg BT 411.23 553.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 458.82 553.50 Td (in ) Tj ET Q q 0 0 0 rg BT 470.43 553.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 524.67 553.50 Td (liability ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 539.10 Td (in ) Tj ET Q q 0 0 0 rg BT 62.33 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.99 539.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 106.32 539.10 Td (year ) Tj ET Q q 0 0 0 rg BT 129.97 539.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.29 539.10 Td (a ) Tj ET Q q 0 0 0 rg BT 158.62 539.10 Td ($185 ) Tj ET Q q 0 0 0 rg BT 185.62 539.10 Td (million ) Tj ET Q q 0 0 0 rg BT 223.29 539.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 271.61 539.10 Td (in ) Tj ET Q q 0 0 0 rg BT 283.94 539.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 338.91 539.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 379.24 539.10 Td (in ) Tj ET Q q 0 0 0 rg BT 391.57 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.23 539.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 435.56 539.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 468.88 539.10 Td (. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 512.70 Td (Mortgage Servicing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 150.66 512.70 Td (pretax loss was $406 million, a decrease of $247 million from the prior year) Tj ET Q q 0 0 0 rg BT 515.24 512.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 498.30 Td (Mortgage net servicing-related revenue was $632 million, a decrease of $122 million, or 16%, from the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 483.90 Td (prior year) Tj ET Q q 0 0 0 rg BT 96.49 483.90 Td (, driven by lower revenue from an exited non-core product and lower gains on Government ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 469.50 Td (National Mortgage ) Tj ET Q q 0 0 0 rg BT 143.31 469.50 Td (Association \(Ginnie Mae\) buy outs. MSR risk management was a loss of $180 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 455.10 Td (million, compared with income of $150 million in the prior year) Tj ET Q q 0 0 0 rg BT 357.61 455.10 Td (. Servicing expense was $858 million, a ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 440.70 Td (decrease of $205 million from the prior year) Tj ET Q q 0 0 0 rg BT 262.44 440.70 Td (, reflecting lower costs associated with the Independent ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 426.30 Td (Foreclosure Review and lower servicing headcount, partially of) Tj ET Q q 0 0 0 rg BT 355.02 426.30 Td (fset by higher expense for foreclosure-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 411.90 Td (related matters. ) Tj ET Q q 0 0 0 rg BT 126.75 411.90 Td (The current quarter included approximately $200 million of expense related to refined ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 397.50 Td (estimates of servicing liabilities resulting from foreclosure delays.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 371.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 371.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 371.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 371.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 371.10 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 362.14 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 339.71 cm /I27 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 342.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 152.79 342.30 Td (application ) Tj ET Q q 0 0 0 rg BT 208.24 342.30 Td (volumes ) Tj ET Q q 0 0 0 rg BT 251.04 342.30 Td (were ) Tj ET Q q 0 0 0 rg BT 276.49 342.30 Td ($40.4 ) Tj ET Q q 0 0 0 rg BT 305.63 342.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 342.10 342.30 Td (down ) Tj ET Q q 0 0 0 rg BT 370.91 342.30 Td (45% ) Tj ET Q q 0 0 0 rg BT 395.04 342.30 Td (from ) Tj ET Q q 0 0 0 rg BT 420.50 342.30 Td (the ) Tj ET Q q 0 0 0 rg BT 437.30 342.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 462.77 342.30 Td (year ) Tj ET Q q 0 0 0 rg BT 485.55 342.30 Td (and ) Tj ET Q q 0 0 0 rg BT 505.01 342.30 Td (38% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 327.90 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 327.90 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 327.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 327.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 327.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 310.91 cm /I28 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 313.50 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.19 313.50 Td (total ) Tj ET Q q 0 0 0 rg BT 183.05 313.50 Td (third-party ) Tj ET Q q 0 0 0 rg BT 236.91 313.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 284.76 313.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 312.63 313.50 Td (serviced ) Tj ET Q q 0 0 0 rg BT 355.14 313.50 Td (were ) Tj ET Q q 0 0 0 rg BT 381.00 313.50 Td ($831.1 ) Tj ET Q q 0 0 0 rg BT 416.53 313.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 453.41 313.50 Td (up ) Tj ET Q q 0 0 0 rg BT 467.94 313.50 Td (2% ) Tj ET Q q 0 0 0 rg BT 486.48 313.50 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 313.50 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 299.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 299.10 Td (year ) Tj ET Q q 0 0 0 rg BT 153.97 299.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.30 299.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 193.29 299.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 243.60 299.10 Td (with ) Tj ET Q q 0 0 0 rg BT 267.93 299.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.59 299.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 311.92 299.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 345.24 299.10 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 272.70 Td (Real ) Tj ET Q q 0 0 0 rg BT 75.48 272.70 Td (Estate ) Tj ET Q q 0 0 0 rg BT 108.97 272.70 Td (Portfolios) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 157.64 272.70 Td ( ) Tj ET Q q 0 0 0 rg BT 160.46 272.70 Td (pretax ) Tj ET Q q 0 0 0 rg BT 193.26 272.70 Td (income ) Tj ET Q q 0 0 0 rg BT 231.40 272.70 Td (was ) Tj ET Q q 0 0 0 rg BT 252.88 272.70 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 276.70 272.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 313.86 272.70 Td (up ) Tj ET Q q 0 0 0 rg BT 328.68 272.70 Td ($1.4billion ) Tj ET Q q 0 0 0 rg BT 386.83 272.70 Td (from ) Tj ET Q q 0 0 0 rg BT 412.98 272.70 Td (the ) Tj ET Q q 0 0 0 rg BT 430.46 272.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 456.61 272.70 Td (year) Tj ET Q q 0 0 0 rg BT 476.59 272.70 Td (. ) Tj ET Q q 0 0 0 rg BT 482.41 272.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 502.56 272.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 543.35 272.70 Td (was ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 258.30 Td ($809 ) Tj ET Q q 0 0 0 rg BT 76.96 258.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 117.60 258.30 Td (a ) Tj ET Q q 0 0 0 rg BT 125.89 258.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 170.15 258.30 Td (of ) Tj ET Q q 0 0 0 rg BT 183.11 258.30 Td ($197million, ) Tj ET Q q 0 0 0 rg BT 250.75 258.30 Td (or ) Tj ET Q q 0 0 0 rg BT 263.71 258.30 Td (20%, ) Tj ET Q q 0 0 0 rg BT 291.67 258.30 Td (from ) Tj ET Q q 0 0 0 rg BT 317.96 258.30 Td (the ) Tj ET Q q 0 0 0 rg BT 335.59 258.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 361.88 258.30 Td (year) Tj ET Q q 0 0 0 rg BT 381.86 258.30 Td (. ) Tj ET Q q 0 0 0 rg BT 387.61 258.30 Td (The ) Tj ET Q q 0 0 0 rg BT 409.23 258.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 453.50 258.30 Td (was ) Tj ET Q q 0 0 0 rg BT 475.12 258.30 Td (due ) Tj ET Q q 0 0 0 rg BT 495.41 258.30 Td (to ) Tj ET Q q 0 0 0 rg BT 507.71 258.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 541.33 258.30 Td (loan ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 243.90 Td (retention ) Tj ET Q q 0 0 0 rg BT 95.84 243.90 Td (driving ) Tj ET Q q 0 0 0 rg BT 133.69 243.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 164.20 243.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 220.71 243.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 261.88 243.90 Td (and ) Tj ET Q q 0 0 0 rg BT 282.39 243.90 Td (a ) Tj ET Q q 0 0 0 rg BT 290.91 243.90 Td (decline ) Tj ET Q q 0 0 0 rg BT 328.74 243.90 Td (in ) Tj ET Q q 0 0 0 rg BT 341.27 243.90 Td (net ) Tj ET Q q 0 0 0 rg BT 359.11 243.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 397.62 243.90 Td (income, ) Tj ET Q q 0 0 0 rg BT 439.13 243.90 Td (resulting ) Tj ET Q q 0 0 0 rg BT 484.32 243.90 Td (from ) Tj ET Q q 0 0 0 rg BT 510.83 243.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 541.34 243.90 Td (loan ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 229.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 94.31 229.50 Td (due ) Tj ET Q q 0 0 0 rg BT 114.63 229.50 Td (to ) Tj ET Q q 0 0 0 rg BT 126.97 229.50 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 171.96 229.50 Td (runof) Tj ET Q q 0 0 0 rg BT 197.74 229.50 Td (f.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 203.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.77 203.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.23 203.10 Td (for ) Tj ET Q q 0 0 0 rg BT 137.34 203.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.77 203.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 199.56 203.10 Td (was ) Tj ET Q q 0 0 0 rg BT 221.34 203.10 Td (a ) Tj ET Q q 0 0 0 rg BT 229.79 203.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 266.22 203.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.34 203.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 303.46 203.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 340.91 203.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 391.34 203.10 Td (with ) Tj ET Q q 0 0 0 rg BT 415.79 203.10 Td (a ) Tj ET Q q 0 0 0 rg BT 424.24 203.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 472.69 203.10 Td (for ) Tj ET Q q 0 0 0 rg BT 489.80 203.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 520.23 203.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.02 203.10 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 188.70 Td ($520million ) Tj ET Q q 0 0 0 rg BT 116.63 188.70 Td (in ) Tj ET Q q 0 0 0 rg BT 130.93 188.70 Td (the ) Tj ET Q q 0 0 0 rg BT 150.56 188.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 178.85 188.70 Td (year) Tj ET Q q 0 0 0 rg BT 198.83 188.70 Td (. ) Tj ET Q q 0 0 0 rg BT 206.44 188.70 Td (The ) Tj ET Q q 0 0 0 rg BT 230.06 188.70 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 306.98 188.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 357.28 188.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 404.21 188.70 Td (a ) Tj ET Q q 0 0 0 rg BT 414.50 188.70 Td ($1.25 ) Tj ET Q q 0 0 0 rg BT 446.46 188.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 482.76 188.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 533.04 188.70 Td (in ) Tj ET Q q 0 0 0 rg BT 547.34 188.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 174.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 100.77 174.30 Td (for ) Tj ET Q q 0 0 0 rg BT 116.89 174.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 139.68 174.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 173.48 174.30 Td ($750 ) Tj ET Q q 0 0 0 rg BT 199.61 174.30 Td (million ) Tj ET Q q 0 0 0 rg BT 236.41 174.30 Td (from ) Tj ET Q q 0 0 0 rg BT 261.87 174.30 Td (the ) Tj ET Q q 0 0 0 rg BT 278.66 174.30 Td (purchased ) Tj ET Q q 0 0 0 rg BT 329.43 174.30 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 405.52 174.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 456.29 174.30 Td (and ) Tj ET Q q 0 0 0 rg BT 475.75 174.30 Td ($500 ) Tj ET Q q 0 0 0 rg BT 501.88 174.30 Td (million ) Tj ET Q q 0 0 0 rg BT 538.68 174.30 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 159.90 Td (the ) Tj ET Q q 0 0 0 rg BT 71.42 159.90 Td (non ) Tj ET Q q 0 0 0 rg BT 96.19 159.90 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 176.91 159.90 Td (allowance, ) Tj ET Q q 0 0 0 rg BT 235.32 159.90 Td (due ) Tj ET Q q 0 0 0 rg BT 259.41 159.90 Td (to ) Tj ET Q q 0 0 0 rg BT 275.50 159.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 309.59 159.90 Td (estimated ) Tj ET Q q 0 0 0 rg BT 362.34 159.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 397.77 159.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 450.51 159.90 Td (continued ) Tj ET Q q 0 0 0 rg BT 504.59 159.90 Td (home ) Tj ET Q q 0 0 0 rg BT 538.02 159.90 Td (price ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 145.50 Td (improvement ) Tj ET Q q 0 0 0 rg BT 116.75 145.50 Td (and ) Tj ET Q q 0 0 0 rg BT 136.85 145.50 Td (favorable ) Tj ET Q q 0 0 0 rg BT 184.93 145.50 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 246.34 145.50 Td (trends. ) Tj ET Q q 0 0 0 rg BT 281.24 145.50 Td (The ) Tj ET Q q 0 0 0 rg BT 302.66 145.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 328.76 145.50 Td (year ) Tj ET Q q 0 0 0 rg BT 352.18 145.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 400.28 145.50 Td (included ) Tj ET Q q 0 0 0 rg BT 444.37 145.50 Td (a ) Tj ET Q q 0 0 0 rg BT 452.47 145.50 Td ($900 ) Tj ET Q q 0 0 0 rg BT 479.24 145.50 Td (million ) Tj ET Q q 0 0 0 rg BT 516.68 145.50 Td (reduction ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 131.10 Td (in ) Tj ET Q q 0 0 0 rg BT 62.16 131.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.65 131.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 131.11 131.10 Td (for ) Tj ET Q q 0 0 0 rg BT 147.93 131.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 171.42 131.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 205.92 131.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 226.07 131.10 Td (char) Tj ET Q q 0 0 0 rg BT 246.50 131.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 271.60 131.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 283.10 131.10 Td (were ) Tj ET Q q 0 0 0 rg BT 309.24 131.10 Td ($204million, ) Tj ET Q q 0 0 0 rg BT 376.74 131.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 426.87 131.10 Td (with ) Tj ET Q q 0 0 0 rg BT 451.03 131.10 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 474.86 131.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 509.02 131.10 Td (in ) Tj ET Q q 0 0 0 rg BT 521.18 131.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 131.10 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 116.70 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 116.70 Td (. ) Tj ET Q q 0 0 0 rg BT 75.01 116.70 Td (Prior) Tj ET Q q 0 0 0 rg BT 98.77 116.70 Td (-year ) Tj ET Q q 0 0 0 rg BT 125.44 116.70 Td (total ) Tj ET Q q 0 0 0 rg BT 148.80 116.70 Td (net ) Tj ET Q q 0 0 0 rg BT 165.48 116.70 Td (char) Tj ET Q q 0 0 0 rg BT 185.91 116.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 211.02 116.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 221.71 116.70 Td (included ) Tj ET Q q 0 0 0 rg BT 265.05 116.70 Td ($825 ) Tj ET Q q 0 0 0 rg BT 291.08 116.70 Td (million ) Tj ET Q q 0 0 0 rg BT 327.78 116.70 Td (of ) Tj ET Q q 0 0 0 rg BT 339.80 116.70 Td (incremental ) Tj ET Q q 0 0 0 rg BT 398.46 116.70 Td (char) Tj ET Q q 0 0 0 rg BT 418.89 116.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 443.99 116.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 454.69 116.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 496.69 116.70 Td (in ) Tj ET Q q 0 0 0 rg BT 508.05 116.70 Td (accordance ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 102.30 Td (with ) Tj ET Q q 0 0 0 rg BT 74.12 102.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 126.23 102.30 Td (guidance ) Tj ET Q q 0 0 0 rg BT 172.33 102.30 Td (on ) Tj ET Q q 0 0 0 rg BT 187.12 102.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 222.55 102.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 250.67 102.30 Td (dischar) Tj ET Q q 0 0 0 rg BT 285.11 102.30 Td (ged ) Tj ET Q q 0 0 0 rg BT 305.23 102.30 Td (under ) Tj ET Q q 0 0 0 rg BT 335.34 102.30 Td (Chapter ) Tj ET Q q 0 0 0 rg BT 376.12 102.30 Td (7 ) Tj ET Q q 0 0 0 rg BT 384.91 102.30 Td (bankruptcy) Tj ET Q q 0 0 0 rg BT 438.11 102.30 Td (. ) Tj ET Q q 0 0 0 rg BT 443.90 102.30 Td (Home ) Tj ET Q q 0 0 0 rg BT 476.02 102.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 508.80 102.30 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 102.30 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 102.30 Td (ge-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 87.90 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 87.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 70.91 87.90 Td (were ) Tj ET Q q 0 0 0 rg BT 96.68 87.90 Td ($218million ) Tj ET Q q 0 0 0 rg BT 160.82 87.90 Td (\(1.42% ) Tj ET Q q 0 0 0 rg BT 198.27 87.90 Td (net ) Tj ET Q q 0 0 0 rg BT 215.39 87.90 Td (char) Tj ET Q q 0 0 0 rg BT 235.83 87.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 260.93 87.90 Td (f ) Tj ET Q q 0 0 0 rg BT 267.39 87.90 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 285.37 93.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 289.27 87.90 Td (\), ) Tj ET Q q 0 0 0 rg BT 298.73 87.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 348.50 87.90 Td (with ) Tj ET Q q 0 0 0 rg BT 372.29 87.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 395.76 87.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 429.55 87.90 Td (\(6.22% ) Tj ET Q q 0 0 0 rg BT 467.01 87.90 Td (net ) Tj ET Q q 0 0 0 rg BT 484.13 87.90 Td (char) Tj ET Q q 0 0 0 rg BT 504.56 87.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 529.66 87.90 Td (f ) Tj ET Q q 0 0 0 rg BT 536.12 87.90 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 554.11 93.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 558.00 87.90 Td (\) ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 73.50 Td (in ) Tj ET Q q 0 0 0 rg BT 62.54 73.50 Td (the ) Tj ET Q q 0 0 0 rg BT 80.42 73.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 106.95 73.50 Td (year) Tj ET Q q 0 0 0 rg BT 126.94 73.50 Td (. ) Tj ET Q q 0 0 0 rg BT 133.15 73.50 Td (Subprime ) Tj ET Q q 0 0 0 rg BT 183.03 73.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 231.55 73.50 Td (net ) Tj ET Q q 0 0 0 rg BT 249.42 73.50 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 301.94 73.50 Td (were ) Tj ET Q q 0 0 0 rg BT 328.46 73.50 Td ($4million ) Tj ET Q q 0 0 0 rg BT 381.34 73.50 Td (\(0.21% ) Tj ET Q q 0 0 0 rg BT 419.54 73.50 Td (net ) Tj ET Q q 0 0 0 rg BT 437.42 73.50 Td (recovery ) Tj ET Q q 0 0 0 rg BT 482.60 73.50 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 500.58 78.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 504.48 73.50 Td (\), ) Tj ET Q q 0 0 0 rg BT 514.69 73.50 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 59.10 Td (with ) Tj ET Q q 0 0 0 rg BT 74.00 59.10 Td (net ) Tj ET Q q 0 0 0 rg BT 91.33 59.10 Td (char) Tj ET Q q 0 0 0 rg BT 111.76 59.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 136.87 59.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 148.20 59.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.87 59.10 Td ($152million ) Tj ET Q q 0 0 0 rg BT 225.20 59.10 Td (\(6.89% ) Tj ET Q q 0 0 0 rg BT 262.87 59.10 Td (net ) Tj ET Q q 0 0 0 rg BT 280.19 59.10 Td (char) Tj ET Q q 0 0 0 rg BT 300.63 59.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 325.73 59.10 Td (f ) Tj ET Q q 0 0 0 rg BT 332.39 59.10 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 350.38 64.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 354.27 59.10 Td (\). ) Tj ET Q q 0 0 0 rg BT 363.94 59.10 Td (Prime ) Tj ET Q q 0 0 0 rg BT 395.27 59.10 Td (mortgage, ) Tj ET Q q 0 0 0 rg BT 446.26 59.10 Td (including ) Tj ET Q q 0 0 0 rg BT 494.25 59.10 Td (option ) Tj ET Q q 0 0 0 rg BT 527.00 59.10 Td (ARMs, ) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (net ) Tj ET Q q 0 0 0 rg BT 67.72 740.70 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 120.08 740.70 Td (were ) Tj ET Q q 0 0 0 rg BT 146.46 740.70 Td ($1) Tj ET Q q 0 0 0 rg BT 158.01 740.70 Td (1million ) Tj ET Q q 0 0 0 rg BT 204.74 740.70 Td (\(0.09% ) Tj ET Q q 0 0 0 rg BT 242.79 740.70 Td (net ) Tj ET Q q 0 0 0 rg BT 260.51 740.70 Td (recovery ) Tj ET Q q 0 0 0 rg BT 305.54 740.70 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 323.53 746.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 327.43 740.70 Td (\), ) Tj ET Q q 0 0 0 rg BT 337.48 740.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 387.85 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 412.24 740.70 Td (net ) Tj ET Q q 0 0 0 rg BT 429.96 740.70 Td (char) Tj ET Q q 0 0 0 rg BT 450.40 740.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 475.50 740.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 487.22 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 500.28 740.70 Td ($143 ) Tj ET Q q 0 0 0 rg BT 527.34 740.70 Td (million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (\(1.37% ) Tj ET Q q 0 0 0 rg BT 87.99 726.30 Td (net ) Tj ET Q q 0 0 0 rg BT 105.65 726.30 Td (char) Tj ET Q q 0 0 0 rg BT 126.08 726.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 151.19 726.30 Td (f ) Tj ET Q q 0 0 0 rg BT 158.18 726.30 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 176.16 731.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 180.06 726.30 Td (\).) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 699.90 Td (Noninterest expense was $375million, a decrease of $1) Tj ET Q q 0 0 0 rg BT 317.14 699.90 Td (1million, or 3%, compared with the prior year) Tj ET Q q 0 0 0 rg BT 540.42 699.90 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 673.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 673.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 673.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 673.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 673.50 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 664.54 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 664.54 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 664.54 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 664.54 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 664.54 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 664.54 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 664.54 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 664.54 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 664.54 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 664.54 Td (noted. ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 257.02 664.54 Td (A) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 261.65 664.54 Td (verage ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 284.81 664.54 Td (loans ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 304.10 664.54 Td (include ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 329.88 664.54 Td (PCI ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 344.83 664.54 Td (loans\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 642.11 cm /I29 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 644.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 153.16 644.70 Td (Banking ) Tj ET Q q 0 0 0 rg BT 196.32 644.70 Td (return ) Tj ET Q q 0 0 0 rg BT 227.48 644.70 Td (on ) Tj ET Q q 0 0 0 rg BT 241.98 644.70 Td (equity) Tj ET Q q 0 0 0 rg BT 271.20 644.70 Td (, ) Tj ET Q q 0 0 0 rg BT 276.70 644.70 Td (including ) Tj ET Q q 0 0 0 rg BT 324.53 644.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 373.69 644.70 Td (Production, ) Tj ET Q q 0 0 0 rg BT 431.86 644.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 481.01 644.70 Td (Servicing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 630.30 Td (and ) Tj ET Q q 0 0 0 rg BT 124.33 630.30 Td (Real ) Tj ET Q q 0 0 0 rg BT 149.32 630.30 Td (Estate ) Tj ET Q q 0 0 0 rg BT 181.64 630.30 Td (Portfolios, ) Tj ET Q q 0 0 0 rg BT 234.97 630.30 Td (was ) Tj ET Q q 0 0 0 rg BT 256.64 630.30 Td (14% ) Tj ET Q q 0 0 0 rg BT 281.63 630.30 Td (on ) Tj ET Q q 0 0 0 rg BT 296.63 630.30 Td ($19.5billion ) Tj ET Q q 0 0 0 rg BT 360.97 630.30 Td (of ) Tj ET Q q 0 0 0 rg BT 373.96 630.30 Td (average ) Tj ET Q q 0 0 0 rg BT 414.27 630.30 Td (allocated ) Tj ET Q q 0 0 0 rg BT 460.57 630.30 Td (capital. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 613.31 cm /I30 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 615.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 615.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 615.90 Td (home ) Tj ET Q q 0 0 0 rg BT 176.41 615.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 209.40 615.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.73 615.90 Td (were ) Tj ET Q q 0 0 0 rg BT 264.05 615.90 Td ($80.7billion, ) Tj ET Q q 0 0 0 rg BT 331.38 615.90 Td (down ) Tj ET Q q 0 0 0 rg BT 361.05 615.90 Td ($12.6 ) Tj ET Q q 0 0 0 rg BT 391.05 615.90 Td (billion.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 598.91 cm /I31 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 601.50 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 601.50 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 601.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 195.07 601.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.40 601.50 Td (were ) Tj ET Q q 0 0 0 rg BT 249.71 601.50 Td ($89.7 ) Tj ET Q q 0 0 0 rg BT 279.71 601.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 317.05 601.50 Td (down ) Tj ET Q q 0 0 0 rg BT 346.71 601.50 Td ($883million. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 584.51 cm /I32 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 587.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 158.98 587.10 Td (for ) Tj ET Q q 0 0 0 rg BT 175.97 587.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.63 587.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 231.30 587.10 Td (was ) Tj ET Q q 0 0 0 rg BT 252.96 587.10 Td ($7.7 ) Tj ET Q q 0 0 0 rg BT 276.96 587.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 314.30 587.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 364.61 587.10 Td (with ) Tj ET Q q 0 0 0 rg BT 388.94 587.10 Td ($1) Tj ET Q q 0 0 0 rg BT 400.50 587.10 Td (1.3 ) Tj ET Q q 0 0 0 rg BT 418.50 587.10 Td (billion.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 570.11 cm /I33 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 572.70 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 159.97 572.70 Td (for ) Tj ET Q q 0 0 0 rg BT 177.95 572.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 202.59 572.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 235.25 572.70 Td (to ) Tj ET Q q 0 0 0 rg BT 248.57 572.70 Td (ending ) Tj ET Q q 0 0 0 rg BT 285.22 572.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.54 572.70 Td (retained, ) Tj ET Q q 0 0 0 rg BT 360.17 572.70 Td (excluding ) Tj ET Q q 0 0 0 rg BT 411.47 572.70 Td (PCI ) Tj ET Q q 0 0 0 rg BT 434.13 572.70 Td (loans) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 459.46 578.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 463.36 572.70 Td (, ) Tj ET Q q 0 0 0 rg BT 470.35 572.70 Td (was ) Tj ET Q q 0 0 0 rg BT 493.00 572.70 Td (2.39%, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 558.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 558.30 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 558.30 Td (4.63%.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 529.50 Td (Card, ) Tj ET Q q 0 0 0 rg BT 81.22 529.50 Td (Mer) Tj ET Q q 0 0 0 rg BT 102.98 529.50 Td (chant ) Tj ET Q q 0 0 0 rg BT 133.20 529.50 Td (Services ) Tj ET Q q 0 0 0 rg BT 176.73 529.50 Td (& ) Tj ET Q q 0 0 0 rg BT 187.94 529.50 Td (Auto) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 213.27 529.50 Td ( ) Tj ET Q q 0 0 0 rg BT 214.83 529.50 Td (net ) Tj ET Q q 0 0 0 rg BT 231.04 529.50 Td (income ) Tj ET Q q 0 0 0 rg BT 267.91 529.50 Td (was ) Tj ET Q q 0 0 0 rg BT 288.12 529.50 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 310.67 529.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 346.56 529.50 Td (an ) Tj ET Q q 0 0 0 rg BT 359.44 529.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 400.29 529.50 Td (of ) Tj ET Q q 0 0 0 rg BT 411.84 529.50 Td ($281 ) Tj ET Q q 0 0 0 rg BT 437.39 529.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 476.61 529.50 Td (or ) Tj ET Q q 0 0 0 rg BT 488.16 529.50 Td (29%, ) Tj ET Q q 0 0 0 rg BT 514.71 529.50 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 515.10 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 515.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 515.10 Td (year) Tj ET Q q 0 0 0 rg BT 138.49 515.10 Td (, ) Tj ET Q q 0 0 0 rg BT 144.49 515.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 178.14 515.10 Td (by ) Tj ET Q q 0 0 0 rg BT 193.14 515.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 223.47 515.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 271.80 515.10 Td (for ) Tj ET Q q 0 0 0 rg BT 288.79 515.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 319.11 515.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 353.78 515.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 396.76 515.10 Td (of) Tj ET Q q 0 0 0 rg BT 406.54 515.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 426.87 515.10 Td (by ) Tj ET Q q 0 0 0 rg BT 441.87 515.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 472.19 515.10 Td (net ) Tj ET Q q 0 0 0 rg BT 489.85 515.10 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 488.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.49 488.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.63 488.70 Td (was ) Tj ET Q q 0 0 0 rg BT 133.46 488.70 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 157.62 488.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 195.12 488.70 Td (down ) Tj ET Q q 0 0 0 rg BT 224.95 488.70 Td ($91 ) Tj ET Q q 0 0 0 rg BT 246.11 488.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 286.95 488.70 Td (or ) Tj ET Q q 0 0 0 rg BT 300.11 488.70 Td (2%, ) Tj ET Q q 0 0 0 rg BT 322.27 488.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 372.74 488.70 Td (with ) Tj ET Q q 0 0 0 rg BT 397.24 488.70 Td (the ) Tj ET Q q 0 0 0 rg BT 415.06 488.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.55 488.70 Td (year) Tj ET Q q 0 0 0 rg BT 461.54 488.70 Td (. ) Tj ET Q q 0 0 0 rg BT 467.70 488.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.19 488.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.68 488.70 Td (income ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 474.30 Td (was ) Tj ET Q q 0 0 0 rg BT 71.56 474.30 Td ($3.3billion, ) Tj ET Q q 0 0 0 rg BT 132.80 474.30 Td (down ) Tj ET Q q 0 0 0 rg BT 162.36 474.30 Td ($149 ) Tj ET Q q 0 0 0 rg BT 189.26 474.30 Td (million ) Tj ET Q q 0 0 0 rg BT 226.83 474.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.04 474.30 Td (with ) Tj ET Q q 0 0 0 rg BT 301.27 474.30 Td (the ) Tj ET Q q 0 0 0 rg BT 318.83 474.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 345.05 474.30 Td (year) Tj ET Q q 0 0 0 rg BT 365.22 474.30 Td (, ) Tj ET Q q 0 0 0 rg BT 371.12 474.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 418.67 474.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 452.23 474.30 Td (by ) Tj ET Q q 0 0 0 rg BT 467.13 474.30 Td (spread ) Tj ET Q q 0 0 0 rg BT 501.34 474.30 Td (compression ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 459.90 Td (in ) Tj ET Q q 0 0 0 rg BT 61.84 459.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 94.35 459.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 120.18 459.90 Td (and ) Tj ET Q q 0 0 0 rg BT 139.46 459.90 Td (Auto. ) Tj ET Q q 0 0 0 rg BT 168.97 459.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 227.47 459.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 267.95 459.90 Td (was ) Tj ET Q q 0 0 0 rg BT 289.12 459.90 Td ($1.3billion, ) Tj ET Q q 0 0 0 rg BT 349.97 459.90 Td (up ) Tj ET Q q 0 0 0 rg BT 364.48 459.90 Td ($58 ) Tj ET Q q 0 0 0 rg BT 384.99 459.90 Td (million ) Tj ET Q q 0 0 0 rg BT 422.17 459.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 471.98 459.90 Td (with ) Tj ET Q q 0 0 0 rg BT 495.83 459.90 Td (the ) Tj ET Q q 0 0 0 rg BT 513.00 459.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.83 459.90 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 459.90 Td (, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 445.50 Td (primarily ) Tj ET Q q 0 0 0 rg BT 96.45 445.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 128.90 445.50 Td (by ) Tj ET Q q 0 0 0 rg BT 142.69 445.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 175.14 445.50 Td (net ) Tj ET Q q 0 0 0 rg BT 191.59 445.50 Td (interchange ) Tj ET Q q 0 0 0 rg BT 249.35 445.50 Td (income, ) Tj ET Q q 0 0 0 rg BT 289.47 445.50 Td (auto ) Tj ET Q q 0 0 0 rg BT 311.92 445.50 Td (lease ) Tj ET Q q 0 0 0 rg BT 337.70 445.50 Td (income ) Tj ET Q q 0 0 0 rg BT 374.81 445.50 Td (and ) Tj ET Q q 0 0 0 rg BT 393.93 445.50 Td (merchant ) Tj ET Q q 0 0 0 rg BT 440.36 445.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 486.14 445.50 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 528.91 445.50 Td (lar) Tj ET Q q 0 0 0 rg BT 541.35 445.50 Td (gely ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 431.10 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 431.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 80.11 431.10 Td (by ) Tj ET Q q 0 0 0 rg BT 95.11 431.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 125.43 431.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 166.40 431.10 Td (from ) Tj ET Q q 0 0 0 rg BT 192.73 431.10 Td (an ) Tj ET Q q 0 0 0 rg BT 207.05 431.10 Td (exited ) Tj ET Q q 0 0 0 rg BT 239.38 431.10 Td (non-core ) Tj ET Q q 0 0 0 rg BT 285.02 431.10 Td (product. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 404.70 Td (The ) Tj ET Q q 0 0 0 rg BT 70.33 404.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 117.34 404.70 Td (for ) Tj ET Q q 0 0 0 rg BT 133.00 404.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 161.99 404.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 192.33 404.70 Td (was ) Tj ET Q q 0 0 0 rg BT 212.67 404.70 Td ($673 ) Tj ET Q q 0 0 0 rg BT 238.34 404.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 277.68 404.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 326.67 404.70 Td (with ) Tj ET Q q 0 0 0 rg BT 349.67 404.70 Td ($1.2billion ) Tj ET Q q 0 0 0 rg BT 406.68 404.70 Td (in ) Tj ET Q q 0 0 0 rg BT 417.69 404.70 Td (the ) Tj ET Q q 0 0 0 rg BT 434.02 404.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 459.02 404.70 Td (year ) Tj ET Q q 0 0 0 rg BT 481.34 404.70 Td (and ) Tj ET Q q 0 0 0 rg BT 500.34 404.70 Td ($564million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 390.30 Td (in ) Tj ET Q q 0 0 0 rg BT 61.10 390.30 Td (the ) Tj ET Q q 0 0 0 rg BT 77.53 390.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 102.63 390.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 135.95 390.30 Td (. ) Tj ET Q q 0 0 0 rg BT 140.59 390.30 Td (The ) Tj ET Q q 0 0 0 rg BT 161.01 390.30 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 234.74 390.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 281.84 390.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 325.57 390.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 354.67 390.30 Td (net ) Tj ET Q q 0 0 0 rg BT 371.09 390.30 Td (char) Tj ET Q q 0 0 0 rg BT 391.53 390.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 416.63 390.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 427.06 390.30 Td (and ) Tj ET Q q 0 0 0 rg BT 446.16 390.30 Td (a ) Tj ET Q q 0 0 0 rg BT 453.25 390.30 Td ($351million ) Tj ET Q q 0 0 0 rg BT 516.69 390.30 Td (reduction ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 375.90 Td (in ) Tj ET Q q 0 0 0 rg BT 62.68 375.90 Td (the ) Tj ET Q q 0 0 0 rg BT 80.68 375.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 132.66 375.90 Td (for ) Tj ET Q q 0 0 0 rg BT 150.00 375.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 174.00 375.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 206.01 375.90 Td (due ) Tj ET Q q 0 0 0 rg BT 226.68 375.90 Td (to ) Tj ET Q q 0 0 0 rg BT 239.36 375.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 270.02 375.90 Td (estimated ) Tj ET Q q 0 0 0 rg BT 319.35 375.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 351.36 375.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 400.68 375.90 Td (improved ) Tj ET Q q 0 0 0 rg BT 450.01 375.90 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 512.00 375.90 Td (trends ) Tj ET Q q 0 0 0 rg BT 544.67 375.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 361.50 Td (restructured ) Tj ET Q q 0 0 0 rg BT 110.51 361.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 134.38 361.50 Td (performance. ) Tj ET Q q 0 0 0 rg BT 200.98 361.50 Td (The ) Tj ET Q q 0 0 0 rg BT 222.84 361.50 Td (prior) Tj ET Q q 0 0 0 rg BT 245.92 361.50 Td (-year ) Tj ET Q q 0 0 0 rg BT 273.77 361.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 322.31 361.50 Td (included ) Tj ET Q q 0 0 0 rg BT 366.84 361.50 Td (a ) Tj ET Q q 0 0 0 rg BT 375.37 361.50 Td ($55 ) Tj ET Q q 0 0 0 rg BT 396.57 361.50 Td (million ) Tj ET Q q 0 0 0 rg BT 434.45 361.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 482.97 361.50 Td (in ) Tj ET Q q 0 0 0 rg BT 495.51 361.50 Td (the ) Tj ET Q q 0 0 0 rg BT 513.37 361.50 Td (allowance ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 347.10 Td (for ) Tj ET Q q 0 0 0 rg BT 67.82 347.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 92.32 347.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 127.54 347.10 Td (The ) Tj ET Q q 0 0 0 rg BT 150.03 347.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 183.86 347.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 211.01 347.10 Td (net ) Tj ET Q q 0 0 0 rg BT 229.51 347.10 Td (char) Tj ET Q q 0 0 0 rg BT 249.94 347.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 275.04 347.10 Td (f ) Tj ET Q q 0 0 0 rg BT 282.87 347.10 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 300.85 352.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 304.75 347.10 Td ( ) Tj ET Q q 0 0 0 rg BT 308.58 347.10 Td (was ) Tj ET Q q 0 0 0 rg BT 331.08 347.10 Td (2.86%, ) Tj ET Q q 0 0 0 rg BT 368.90 347.10 Td (down ) Tj ET Q q 0 0 0 rg BT 399.40 347.10 Td (from ) Tj ET Q q 0 0 0 rg BT 426.56 347.10 Td (3.57% ) Tj ET Q q 0 0 0 rg BT 461.39 347.10 Td (in ) Tj ET Q q 0 0 0 rg BT 474.55 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.05 347.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 520.20 347.10 Td (year ) Tj ET Q q 0 0 0 rg BT 544.69 347.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 332.70 Td (3.31% ) Tj ET Q q 0 0 0 rg BT 84.52 332.70 Td (in ) Tj ET Q q 0 0 0 rg BT 97.38 332.70 Td (the ) Tj ET Q q 0 0 0 rg BT 115.57 332.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 142.43 332.70 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 183.27 332.70 Td (the ) Tj ET Q q 0 0 0 rg BT 201.45 332.70 Td (30+ ) Tj ET Q q 0 0 0 rg BT 223.75 332.70 Td (day ) Tj ET Q q 0 0 0 rg BT 244.60 332.70 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 306.78 332.70 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 324.76 338.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 328.66 332.70 Td ( ) Tj ET Q q 0 0 0 rg BT 332.18 332.70 Td (was ) Tj ET Q q 0 0 0 rg BT 354.37 332.70 Td (1.68%, ) Tj ET Q q 0 0 0 rg BT 391.90 332.70 Td (down ) Tj ET Q q 0 0 0 rg BT 422.09 332.70 Td (from ) Tj ET Q q 0 0 0 rg BT 448.94 332.70 Td (2.15% ) Tj ET Q q 0 0 0 rg BT 483.47 332.70 Td (in ) Tj ET Q q 0 0 0 rg BT 496.33 332.70 Td (the ) Tj ET Q q 0 0 0 rg BT 514.52 332.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 541.37 332.70 Td (year ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 318.30 Td (and ) Tj ET Q q 0 0 0 rg BT 70.19 318.30 Td (1.69% ) Tj ET Q q 0 0 0 rg BT 104.05 318.30 Td (in ) Tj ET Q q 0 0 0 rg BT 116.25 318.30 Td (the ) Tj ET Q q 0 0 0 rg BT 133.78 318.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 159.97 318.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 193.29 318.30 Td (. ) Tj ET Q q 0 0 0 rg BT 198.94 318.30 Td (The ) Tj ET Q q 0 0 0 rg BT 219.83 318.30 Td (Auto ) Tj ET Q q 0 0 0 rg BT 246.70 318.30 Td (net ) Tj ET Q q 0 0 0 rg BT 264.22 318.30 Td (char) Tj ET Q q 0 0 0 rg BT 284.65 318.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 309.76 318.30 Td (f ) Tj ET Q q 0 0 0 rg BT 316.62 318.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 337.47 318.30 Td (was ) Tj ET Q q 0 0 0 rg BT 358.99 318.30 Td (0.35%, ) Tj ET Q q 0 0 0 rg BT 395.85 318.30 Td (down ) Tj ET Q q 0 0 0 rg BT 425.39 318.30 Td (from ) Tj ET Q q 0 0 0 rg BT 451.58 318.30 Td (0.74% ) Tj ET Q q 0 0 0 rg BT 485.44 318.30 Td (in ) Tj ET Q q 0 0 0 rg BT 497.64 318.30 Td (the ) Tj ET Q q 0 0 0 rg BT 515.16 318.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 541.35 318.30 Td (year ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 303.90 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 303.90 Td (up ) Tj ET Q q 0 0 0 rg BT 85.33 303.90 Td (from ) Tj ET Q q 0 0 0 rg BT 111.65 303.90 Td (0.18% ) Tj ET Q q 0 0 0 rg BT 145.65 303.90 Td (in ) Tj ET Q q 0 0 0 rg BT 157.98 303.90 Td (the ) Tj ET Q q 0 0 0 rg BT 175.64 303.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 201.97 303.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 235.29 303.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 277.50 Td (Noninterest expense was $1.9 billion, flat from the prior year) Tj ET Q q 0 0 0 rg BT 342.92 277.50 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 248.70 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 248.70 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 248.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 248.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 248.70 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 239.74 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 239.74 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 239.74 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 239.74 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 239.74 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 239.74 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 239.74 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 239.74 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 239.74 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 239.74 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 217.31 cm /I34 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 219.90 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 219.90 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 219.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 219.90 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 219.90 Td (32% ) Tj ET Q q 0 0 0 rg BT 234.31 219.90 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 219.90 Td ($15.5billion ) Tj ET Q q 0 0 0 rg BT 313.65 219.90 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 219.90 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 219.90 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 219.90 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 202.91 cm /I35 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 205.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.41 205.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 150.14 205.50 Td (card ) Tj ET Q q 0 0 0 rg BT 174.20 205.50 Td (issuer ) Tj ET Q q 0 0 0 rg BT 205.60 205.50 Td (in ) Tj ET Q q 0 0 0 rg BT 218.35 205.50 Td (the ) Tj ET Q q 0 0 0 rg BT 236.42 205.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 261.17 205.50 Td (based ) Tj ET Q q 0 0 0 rg BT 291.90 205.50 Td (on ) Tj ET Q q 0 0 0 rg BT 307.31 205.50 Td (outstandings) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 367.98 210.94 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 371.88 205.50 Td (; ) Tj ET Q q 0 0 0 rg BT 378.62 205.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 394.03 205.50 Td (global ) Tj ET Q q 0 0 0 rg BT 427.19 205.50 Td (V) Tj ET Q q 0 0 0 rg BT 435.13 205.50 Td (isa ) Tj ET Q q 0 0 0 rg BT 451.87 205.50 Td (issuer ) Tj ET Q q 0 0 0 rg BT 483.28 205.50 Td (based ) Tj ET Q q 0 0 0 rg BT 514.01 205.50 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 191.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 153.65 191.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.98 191.10 Td (business ) Tj ET Q q 0 0 0 rg BT 217.65 191.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 247.96 191.10 Td (card ) Tj ET Q q 0 0 0 rg BT 271.61 191.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 297.94 191.10 Td (volume) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 333.93 196.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 337.83 191.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 174.11 cm /I36 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 176.70 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 160.05 176.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 193.45 176.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 220.17 176.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 244.23 176.70 Td (balances ) Tj ET Q q 0 0 0 rg BT 288.94 176.70 Td (were ) Tj ET Q q 0 0 0 rg BT 315.66 176.70 Td ($124.0 ) Tj ET Q q 0 0 0 rg BT 352.06 176.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 389.79 176.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 409.18 176.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 459.89 176.70 Td (with ) Tj ET Q q 0 0 0 rg BT 484.62 176.70 Td (the ) Tj ET Q q 0 0 0 rg BT 502.68 176.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 162.30 Td (year ) Tj ET Q q 0 0 0 rg BT 127.72 162.30 Td (and ) Tj ET Q q 0 0 0 rg BT 148.11 162.30 Td (the ) Tj ET Q q 0 0 0 rg BT 165.84 162.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 192.24 162.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 225.55 162.30 Td (. ) Tj ET Q q 0 0 0 rg BT 231.62 162.30 Td (Credit ) Tj ET Q q 0 0 0 rg BT 264.68 162.30 Td (Card ) Tj ET Q q 0 0 0 rg BT 291.08 162.30 Td (average ) Tj ET Q q 0 0 0 rg BT 331.45 162.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 359.85 162.30 Td (were ) Tj ET Q q 0 0 0 rg BT 386.23 162.30 Td ($123.9billion, ) Tj ET Q q 0 0 0 rg BT 459.64 162.30 Td (flat ) Tj ET Q q 0 0 0 rg BT 478.70 162.30 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 147.90 Td (with ) Tj ET Q q 0 0 0 rg BT 128.33 147.90 Td (the ) Tj ET Q q 0 0 0 rg BT 145.99 147.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 172.32 147.90 Td (year ) Tj ET Q q 0 0 0 rg BT 195.97 147.90 Td (and ) Tj ET Q q 0 0 0 rg BT 216.29 147.90 Td (up ) Tj ET Q q 0 0 0 rg BT 231.29 147.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 250.29 147.90 Td (from ) Tj ET Q q 0 0 0 rg BT 276.62 147.90 Td (the ) Tj ET Q q 0 0 0 rg BT 294.28 147.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 320.60 147.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 353.92 147.90 Td (.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I37 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 130.26 740.70 Td (Services ) Tj ET Q q 0 0 0 rg BT 173.85 740.70 Td (net ) Tj ET Q q 0 0 0 rg BT 191.45 740.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.36 740.70 Td (as ) Tj ET Q q 0 0 0 rg BT 245.29 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 253.56 740.70 Td (percentage ) Tj ET Q q 0 0 0 rg BT 308.46 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 321.39 740.70 Td (average ) Tj ET Q q 0 0 0 rg BT 361.63 740.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 389.89 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 411.49 740.70 Td (12.22%, ) Tj ET Q q 0 0 0 rg BT 454.43 740.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 504.67 740.70 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (12.46% ) Tj ET Q q 0 0 0 rg BT 144.00 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 156.33 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 173.99 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.32 726.30 Td (year ) Tj ET Q q 0 0 0 rg BT 223.96 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 244.29 726.30 Td (12.59% ) Tj ET Q q 0 0 0 rg BT 284.29 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 296.62 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 314.28 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.61 726.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 373.92 726.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.31 cm /I38 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 711.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.40 711.90 Td (auto ) Tj ET Q q 0 0 0 rg BT 169.70 711.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 197.68 711.90 Td (were ) Tj ET Q q 0 0 0 rg BT 223.64 711.90 Td ($50.4 ) Tj ET Q q 0 0 0 rg BT 253.29 711.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 290.27 711.90 Td (up ) Tj ET Q q 0 0 0 rg BT 304.92 711.90 Td (4% ) Tj ET Q q 0 0 0 rg BT 323.56 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 349.54 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 366.84 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 392.82 711.90 Td (year ) Tj ET Q q 0 0 0 rg BT 416.11 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 436.08 711.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 454.72 711.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 504.68 711.90 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 697.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 697.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 697.50 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 668.70 Td (TE ) Tj ET Q q 0 0 0 rg BT 124.35 668.70 Td (& ) Tj ET Q q 0 0 0 rg BT 136.68 668.70 Td (INVESTMENT ) Tj ET Q q 0 0 0 rg BT 217.70 668.70 Td (BANK ) Tj ET Q q 0 0 0 rg BT 253.38 668.70 Td (\(CIB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 658.2 m 50.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 658.2 m 231.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 658.2 m 231.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 658.2 m 276.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 658.2 m 280.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 658.2 m 280.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 658.2 m 325.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 658.2 m 329.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 658.2 m 329.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 658.2 m 374.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 658.2 m 378.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 658.2 m 378.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 658.2 m 423.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 643.2 m 423.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 658.2 m 468.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 643.2 m 468.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 658.2 m 472.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 643.2 m 472.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 658.2 m 472.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 658.2 m 517.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 643.2 m 517.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 658.2 m 562.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 658.2 m 562.5 658.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 643.2 m 562.5 643.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 643.2 m 50.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 628.2 m 231.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 643.2 m 231.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 628.2 m 276.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 628.2 m 280.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 643.2 m 280.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 628.2 m 325.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 628.2 m 329.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 643.2 m 329.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 628.2 m 374.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 628.2 m 378.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 643.2 m 378.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 628.2 m 423.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 643.2 m 423.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 628.2 m 468.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 628.2 m 472.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 643.2 m 472.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 628.2 m 517.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 643.2 m 517.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 643.2 m 562.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 628.2 m 562.5 628.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 628.2 m 50.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 613.2 m 231.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 628.2 m 231.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 613.2 m 276.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 613.2 m 280.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 628.2 m 280.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 613.2 m 325.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 613.2 m 329.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 628.2 m 329.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 613.2 m 374.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 613.2 m 378.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 628.2 m 378.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 613.2 m 423.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 628.2 m 423.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 628.2 m 472.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 613.2 m 517.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 628.2 m 517.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 628.2 m 562.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 613.2 m 562.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 613.2 m 50.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 598.2 m 231.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 613.2 m 231.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 598.2 m 276.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 598.2 m 280.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 613.2 m 280.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 598.2 m 325.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 598.2 m 329.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 613.2 m 329.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 598.2 m 374.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 598.2 m 378.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 613.2 m 378.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 598.2 m 423.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 613.2 m 423.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 613.2 m 468.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 598.2 m 468.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 613.2 m 472.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 613.2 m 472.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 598.2 m 472.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 613.2 m 517.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 613.2 m 517.5 613.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 598.2 m 517.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 613.2 m 517.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 613.2 m 562.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 598.2 m 562.5 598.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 598.2 m 50.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 583.2 m 231.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 598.2 m 231.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 583.2 m 276.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 583.2 m 280.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 598.2 m 280.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 583.2 m 325.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 583.2 m 329.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 598.2 m 329.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 583.2 m 374.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 583.2 m 378.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 598.2 m 378.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 583.2 m 423.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 598.2 m 423.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 583.2 m 468.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 583.2 m 472.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 598.2 m 472.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 583.2 m 517.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 598.2 m 517.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 598.2 m 562.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 583.2 m 562.5 583.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 583.2 m 50.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 568.2 m 231.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 583.2 m 231.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 568.2 m 276.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 568.2 m 280.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 583.2 m 280.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 568.2 m 325.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 568.2 m 329.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 583.2 m 329.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 568.2 m 374.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 568.2 m 378.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 583.2 m 378.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 568.2 m 423.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 583.2 m 423.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 568.2 m 468.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 568.2 m 472.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 583.2 m 472.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 568.2 m 517.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 583.2 m 517.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 583.2 m 562.5 568.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 568.2 m 562.5 568.2 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 648.07 Td (Results for CIB) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 648.07 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 648.07 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 633.07 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 633.07 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 633.07 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 633.07 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 633.07 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 633.07 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 633.07 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 633.07 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 618.07 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 618.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 618.07 Td (8,189) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 618.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 618.07 Td (9,876) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 618.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 618.07 Td (8,360) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 618.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 390.85 618.07 Td (\(1,687) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 618.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 618.07 Td (\(17) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 618.07 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 618.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 618.07 Td (\(171) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 618.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 618.07 Td (\(2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 618.07 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 603.07 Td (ProvisionforCreditLosses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 252.10 603.07 Td (\(218) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 603.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 312.10 603.07 Td (\(6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 603.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 355.60 603.07 Td (\(60) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 370.30 603.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 603.07 Td (\(212) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 603.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 603.07 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 603.07 Td (\(158) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 603.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 528.95 603.07 Td (\(263) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 603.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 588.07 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 588.07 Td (4,999) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 588.07 Td (5,742) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 588.07 Td (5,350) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 588.07 Td (\(743) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 588.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 588.07 Td (\(13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 588.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 588.07 Td (\(351) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 588.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 588.07 Td (\(7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 588.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 573.07 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 573.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 573.07 Td (2,240) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 573.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 573.07 Td (2,838) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 573.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 573.07 Td (1,992) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 573.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 573.07 Td (\(598) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 573.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 573.07 Td (\(21) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 573.07 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 573.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 573.07 Td (248) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 538.15 573.07 Td (12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 573.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 539.90 Td (Discussion of Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 525.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.33 525.50 Td (income ) Tj ET Q q 0 0 0 rg BT 108.65 525.50 Td (was ) Tj ET Q q 0 0 0 rg BT 130.32 525.50 Td ($2.2billion, ) Tj ET Q q 0 0 0 rg BT 191.66 525.50 Td (up ) Tj ET Q q 0 0 0 rg BT 206.66 525.50 Td (12% ) Tj ET Q q 0 0 0 rg BT 231.66 525.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 281.97 525.50 Td (with ) Tj ET Q q 0 0 0 rg BT 306.31 525.50 Td (the ) Tj ET Q q 0 0 0 rg BT 323.97 525.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 350.30 525.50 Td (year) Tj ET Q q 0 0 0 rg BT 370.29 525.50 Td (. ) Tj ET Q q 0 0 0 rg BT 376.07 525.50 Td (These ) Tj ET Q q 0 0 0 rg BT 407.73 525.50 Td (results ) Tj ET Q q 0 0 0 rg BT 442.06 525.50 Td (primarily ) Tj ET Q q 0 0 0 rg BT 489.72 525.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 534.68 525.50 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 106.82 511.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 148.97 511.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.80 511.10 Td (a ) Tj ET Q q 0 0 0 rg BT 178.63 511.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 212.79 511.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 249.61 511.10 Td (from ) Tj ET Q q 0 0 0 rg BT 276.44 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.60 511.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 343.44 511.10 Td (for ) Tj ET Q q 0 0 0 rg BT 360.93 511.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 391.75 511.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 426.92 511.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 470.41 511.10 Td (of) Tj ET Q q 0 0 0 rg BT 480.19 511.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 501.02 511.10 Td (by ) Tj ET Q q 0 0 0 rg BT 516.52 511.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 547.34 511.10 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 496.70 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 93.81 496.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 113.97 496.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 154.77 496.70 Td (was ) Tj ET Q q 0 0 0 rg BT 176.27 496.70 Td ($8.2billion, ) Tj ET Q q 0 0 0 rg BT 237.44 496.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 287.58 496.70 Td (with ) Tj ET Q q 0 0 0 rg BT 311.75 496.70 Td ($8.4billion ) Tj ET Q q 0 0 0 rg BT 369.92 496.70 Td (in ) Tj ET Q q 0 0 0 rg BT 382.08 496.70 Td (the ) Tj ET Q q 0 0 0 rg BT 399.58 496.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 425.74 496.70 Td (year) Tj ET Q q 0 0 0 rg BT 445.72 496.70 Td (. ) Tj ET Q q 0 0 0 rg BT 451.55 496.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 471.71 496.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 512.52 496.70 Td (included ) Tj ET Q q 0 0 0 rg BT 556.67 496.70 Td (a ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 482.30 Td ($397 ) Tj ET Q q 0 0 0 rg BT 77.36 482.30 Td (million ) Tj ET Q q 0 0 0 rg BT 115.38 482.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 137.42 482.30 Td (from ) Tj ET Q q 0 0 0 rg BT 164.10 482.30 Td (debit ) Tj ET Q q 0 0 0 rg BT 191.45 482.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 239.46 482.30 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 300.15 482.30 Td (\(DV) Tj ET Q q 0 0 0 rg BT 325.26 482.30 Td (A\) ) Tj ET Q q 0 0 0 rg BT 346.60 482.30 Td (on ) Tj ET Q q 0 0 0 rg BT 361.96 482.30 Td (structured ) Tj ET Q q 0 0 0 rg BT 413.30 482.30 Td (notes ) Tj ET Q q 0 0 0 rg BT 441.99 482.30 Td (and ) Tj ET Q q 0 0 0 rg BT 462.67 482.30 Td (derivative ) Tj ET Q q 0 0 0 rg BT 514.00 482.30 Td (liabilities; ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 467.90 Td (the ) Tj ET Q q 0 0 0 rg BT 67.08 467.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 92.83 467.90 Td (year ) Tj ET Q q 0 0 0 rg BT 115.89 467.90 Td (included ) Tj ET Q q 0 0 0 rg BT 159.63 467.90 Td (a ) Tj ET Q q 0 0 0 rg BT 167.38 467.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 188.47 467.90 Td (from ) Tj ET Q q 0 0 0 rg BT 214.22 467.90 Td (DV) Tj ET Q q 0 0 0 rg BT 230.01 467.90 Td (A) Tj ET Q q 0 0 0 rg BT 238.01 467.90 Td ( ) Tj ET Q q 0 0 0 rg BT 240.43 467.90 Td (of ) Tj ET Q q 0 0 0 rg BT 252.85 467.90 Td ($21) Tj ET Q q 0 0 0 rg BT 270.40 467.90 Td (1 ) Tj ET Q q 0 0 0 rg BT 278.82 467.90 Td (million. ) Tj ET Q q 0 0 0 rg BT 318.91 467.90 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 370.65 467.90 Td (the ) Tj ET Q q 0 0 0 rg BT 387.73 467.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 422.81 467.90 Td (of ) Tj ET Q q 0 0 0 rg BT 435.22 467.90 Td (DV) Tj ET Q q 0 0 0 rg BT 451.01 467.90 Td (A, ) Tj ET Q q 0 0 0 rg BT 465.10 467.90 Td (net ) Tj ET Q q 0 0 0 rg BT 482.18 467.90 Td (income ) Tj ET Q q 0 0 0 rg BT 519.92 467.90 Td (was ) Tj ET Q q 0 0 0 rg BT 541.00 467.90 Td ($2.5 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 453.50 Td (billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 81.34 458.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 85.24 453.50 Td (, ) Tj ET Q q 0 0 0 rg BT 91.24 453.50 Td (up ) Tj ET Q q 0 0 0 rg BT 106.24 453.50 Td (17% ) Tj ET Q q 0 0 0 rg BT 131.23 453.50 Td (from ) Tj ET Q q 0 0 0 rg BT 157.56 453.50 Td (the ) Tj ET Q q 0 0 0 rg BT 175.22 453.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 201.54 453.50 Td (year) Tj ET Q q 0 0 0 rg BT 221.71 453.50 Td (, ) Tj ET Q q 0 0 0 rg BT 227.71 453.50 Td (and ) Tj ET Q q 0 0 0 rg BT 248.04 453.50 Td (net ) Tj ET Q q 0 0 0 rg BT 265.70 453.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 306.67 453.50 Td (was ) Tj ET Q q 0 0 0 rg BT 328.33 453.50 Td ($8.6 ) Tj ET Q q 0 0 0 rg BT 352.33 453.50 Td (billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 383.67 458.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 387.57 453.50 Td (, ) Tj ET Q q 0 0 0 rg BT 393.57 453.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 412.56 453.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 462.87 453.50 Td (with ) Tj ET Q q 0 0 0 rg BT 487.20 453.50 Td (the ) Tj ET Q q 0 0 0 rg BT 504.86 453.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 531.19 453.50 Td (year) Tj ET Q q 0 0 0 rg BT 551.18 453.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 93.32 427.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 133.95 427.10 Td (was ) Tj ET Q q 0 0 0 rg BT 155.26 427.10 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 178.92 427.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 215.91 427.10 Td (up ) Tj ET Q q 0 0 0 rg BT 230.56 427.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 249.21 427.10 Td (from ) Tj ET Q q 0 0 0 rg BT 275.19 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.51 427.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 318.49 427.10 Td (year) Tj ET Q q 0 0 0 rg BT 338.47 427.10 Td (. ) Tj ET Q q 0 0 0 rg BT 344.13 427.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 400.10 427.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 441.42 427.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 463.39 427.10 Td (were ) Tj ET Q q 0 0 0 rg BT 489.36 427.10 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 513.01 427.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 550.00 427.10 Td (up ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 412.70 Td (6% ) Tj ET Q q 0 0 0 rg BT 69.33 412.70 Td (from ) Tj ET Q q 0 0 0 rg BT 95.98 412.70 Td (the ) Tj ET Q q 0 0 0 rg BT 113.97 412.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 140.63 412.70 Td (year) Tj ET Q q 0 0 0 rg BT 160.79 412.70 Td (, ) Tj ET Q q 0 0 0 rg BT 167.12 412.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 201.11 412.70 Td (by ) Tj ET Q q 0 0 0 rg BT 216.44 412.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 250.43 412.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 283.75 412.70 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 349.07 412.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 371.71 412.70 Td (of ) Tj ET Q q 0 0 0 rg BT 385.04 412.70 Td ($333 ) Tj ET Q q 0 0 0 rg BT 412.37 412.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 453.37 412.70 Td (up ) Tj ET Q q 0 0 0 rg BT 468.70 412.70 Td (42% ) Tj ET Q q 0 0 0 rg BT 494.02 412.70 Td (from ) Tj ET Q q 0 0 0 rg BT 520.68 412.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 412.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 398.30 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 398.30 Td (, ) Tj ET Q q 0 0 0 rg BT 75.85 398.30 Td (and ) Tj ET Q q 0 0 0 rg BT 95.86 398.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 129.21 398.30 Td (debt ) Tj ET Q q 0 0 0 rg BT 152.55 398.30 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 217.22 398.30 Td (fees ) Tj ET Q q 0 0 0 rg BT 239.23 398.30 Td (of ) Tj ET Q q 0 0 0 rg BT 251.91 398.30 Td ($855 ) Tj ET Q q 0 0 0 rg BT 278.59 398.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 318.95 398.30 Td (up ) Tj ET Q q 0 0 0 rg BT 333.63 398.30 Td (6% ) Tj ET Q q 0 0 0 rg BT 352.31 398.30 Td (from ) Tj ET Q q 0 0 0 rg BT 378.32 398.30 Td (the ) Tj ET Q q 0 0 0 rg BT 395.67 398.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.68 398.30 Td (year) Tj ET Q q 0 0 0 rg BT 441.85 398.30 Td (, ) Tj ET Q q 0 0 0 rg BT 447.53 398.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 490.20 398.30 Td (of) Tj ET Q q 0 0 0 rg BT 499.98 398.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 519.99 398.30 Td (by ) Tj ET Q q 0 0 0 rg BT 534.68 398.30 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 383.90 Td (advisory ) Tj ET Q q 0 0 0 rg BT 94.60 383.90 Td (fees ) Tj ET Q q 0 0 0 rg BT 117.20 383.90 Td (of ) Tj ET Q q 0 0 0 rg BT 130.47 383.90 Td ($322million, ) Tj ET Q q 0 0 0 rg BT 198.41 383.90 Td (down ) Tj ET Q q 0 0 0 rg BT 228.35 383.90 Td (17% ) Tj ET Q q 0 0 0 rg BT 253.63 383.90 Td (from ) Tj ET Q q 0 0 0 rg BT 280.23 383.90 Td (the ) Tj ET Q q 0 0 0 rg BT 298.16 383.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 324.76 383.90 Td (year) Tj ET Q q 0 0 0 rg BT 344.75 383.90 Td (. ) Tj ET Q q 0 0 0 rg BT 350.79 383.90 Td (T) Tj ET Q q 0 0 0 rg BT 357.70 383.90 Td (reasury ) Tj ET Q q 0 0 0 rg BT 396.29 383.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 440.21 383.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 481.46 383.90 Td (was ) Tj ET Q q 0 0 0 rg BT 503.40 383.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 527.68 383.90 Td (billion, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 369.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 68.07 369.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 117.47 369.50 Td (with ) Tj ET Q q 0 0 0 rg BT 140.89 369.50 Td (the ) Tj ET Q q 0 0 0 rg BT 157.63 369.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 183.04 369.50 Td (year) Tj ET Q q 0 0 0 rg BT 203.03 369.50 Td (. ) Tj ET Q q 0 0 0 rg BT 208.11 369.50 Td (Lending ) Tj ET Q q 0 0 0 rg BT 250.19 369.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 290.25 369.50 Td (was ) Tj ET Q q 0 0 0 rg BT 310.99 369.50 Td ($351million, ) Tj ET Q q 0 0 0 rg BT 377.75 369.50 Td (primarily ) Tj ET Q q 0 0 0 rg BT 424.49 369.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 472.54 369.50 Td (net ) Tj ET Q q 0 0 0 rg BT 489.29 369.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.69 369.50 Td (income ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (on ) Tj ET Q q 0 0 0 rg BT 65.00 355.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 106.64 355.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 134.97 355.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.30 355.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 177.62 355.10 Td (on ) Tj ET Q q 0 0 0 rg BT 192.62 355.10 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 268.25 355.10 Td (commitments.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 328.70 Td (Markets ) Tj ET Q q 0 0 0 rg BT 91.94 328.70 Td (& ) Tj ET Q q 0 0 0 rg BT 103.88 328.70 Td (Investor ) Tj ET Q q 0 0 0 rg BT 145.82 328.70 Td (Services ) Tj ET Q q 0 0 0 rg BT 189.08 328.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 229.67 328.70 Td (was ) Tj ET Q q 0 0 0 rg BT 250.95 328.70 Td ($5.3 ) Tj ET Q q 0 0 0 rg BT 274.56 328.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 311.51 328.70 Td (down ) Tj ET Q q 0 0 0 rg BT 340.79 328.70 Td (4% ) Tj ET Q q 0 0 0 rg BT 359.40 328.70 Td (from ) Tj ET Q q 0 0 0 rg BT 385.34 328.70 Td (the ) Tj ET Q q 0 0 0 rg BT 402.61 328.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 428.55 328.70 Td (year) Tj ET Q q 0 0 0 rg BT 448.54 328.70 Td (. ) Tj ET Q q 0 0 0 rg BT 454.15 328.70 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 484.10 328.70 Td (Income ) Tj ET Q q 0 0 0 rg BT 522.69 328.70 Td (Markets ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 314.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 90.46 314.30 Td (was ) Tj ET Q q 0 0 0 rg BT 111.60 314.30 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 135.08 314.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.90 314.30 Td (down ) Tj ET Q q 0 0 0 rg BT 201.05 314.30 Td (8% ) Tj ET Q q 0 0 0 rg BT 219.52 314.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 269.31 314.30 Td (with ) Tj ET Q q 0 0 0 rg BT 293.13 314.30 Td (a ) Tj ET Q q 0 0 0 rg BT 300.94 314.30 Td (strong ) Tj ET Q q 0 0 0 rg BT 333.42 314.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 359.23 314.30 Td (year) Tj ET Q q 0 0 0 rg BT 379.21 314.30 Td (. ) Tj ET Q q 0 0 0 rg BT 384.51 314.30 Td (The ) Tj ET Q q 0 0 0 rg BT 405.65 314.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 431.46 314.30 Td (year ) Tj ET Q q 0 0 0 rg BT 454.59 314.30 Td (included ) Tj ET Q q 0 0 0 rg BT 498.39 314.30 Td (a ) Tj ET Q q 0 0 0 rg BT 506.20 314.30 Td (modest ) Tj ET Q q 0 0 0 rg BT 543.34 314.30 Td (loss ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 299.90 Td (from ) Tj ET Q q 0 0 0 rg BT 76.87 299.90 Td (the ) Tj ET Q q 0 0 0 rg BT 95.06 299.90 Td (synthetic ) Tj ET Q q 0 0 0 rg BT 141.93 299.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 172.78 299.90 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 221.32 299.90 Td (Equity ) Tj ET Q q 0 0 0 rg BT 256.85 299.90 Td (Markets ) Tj ET Q q 0 0 0 rg BT 299.71 299.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 341.23 299.90 Td (was ) Tj ET Q q 0 0 0 rg BT 363.43 299.90 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 387.97 299.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 425.84 299.90 Td (up ) Tj ET Q q 0 0 0 rg BT 441.38 299.90 Td (20% ) Tj ET Q q 0 0 0 rg BT 466.92 299.90 Td (from ) Tj ET Q q 0 0 0 rg BT 493.78 299.90 Td (the ) Tj ET Q q 0 0 0 rg BT 511.98 299.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.85 299.90 Td (year) Tj ET Q q 0 0 0 rg BT 559.02 299.90 Td (, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 285.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 84.13 285.50 Td (by ) Tj ET Q q 0 0 0 rg BT 99.60 285.50 Td (broad-based ) Tj ET Q q 0 0 0 rg BT 161.71 285.50 Td (strength ) Tj ET Q q 0 0 0 rg BT 203.84 285.50 Td (across ) Tj ET Q q 0 0 0 rg BT 237.30 285.50 Td (products ) Tj ET Q q 0 0 0 rg BT 282.10 285.50 Td (and ) Tj ET Q q 0 0 0 rg BT 302.90 285.50 Td (regions. ) Tj ET Q q 0 0 0 rg BT 344.70 285.50 Td (Securities ) Tj ET Q q 0 0 0 rg BT 395.49 285.50 Td (Services ) Tj ET Q q 0 0 0 rg BT 439.61 285.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 481.06 285.50 Td (was ) Tj ET Q q 0 0 0 rg BT 503.19 285.50 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 527.67 285.50 Td (billion, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (up ) Tj ET Q q 0 0 0 rg BT 64.89 271.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 83.77 271.10 Td (from ) Tj ET Q q 0 0 0 rg BT 109.98 271.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.53 271.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 153.74 271.10 Td (year) Tj ET Q q 0 0 0 rg BT 173.73 271.10 Td (. ) Tj ET Q q 0 0 0 rg BT 179.62 271.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 211.86 271.10 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 275.42 271.10 Td (& ) Tj ET Q q 0 0 0 rg BT 287.64 271.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 317.85 271.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 358.71 271.10 Td (was ) Tj ET Q q 0 0 0 rg BT 380.26 271.10 Td (a ) Tj ET Q q 0 0 0 rg BT 388.47 271.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 410.03 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.92 271.10 Td ($409million, ) Tj ET Q q 0 0 0 rg BT 490.47 271.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.67 271.10 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 256.70 Td (a ) Tj ET Q q 0 0 0 rg BT 58.33 256.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 80.00 256.70 Td (of ) Tj ET Q q 0 0 0 rg BT 93.00 256.70 Td ($225 ) Tj ET Q q 0 0 0 rg BT 120.00 256.70 Td (million ) Tj ET Q q 0 0 0 rg BT 157.67 256.70 Td (in ) Tj ET Q q 0 0 0 rg BT 170.00 256.70 Td (the ) Tj ET Q q 0 0 0 rg BT 187.66 256.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 213.99 256.70 Td (year; ) Tj ET Q q 0 0 0 rg BT 240.97 256.70 Td (both ) Tj ET Q q 0 0 0 rg BT 265.30 256.70 Td (periods ) Tj ET Q q 0 0 0 rg BT 303.63 256.70 Td (were ) Tj ET Q q 0 0 0 rg BT 329.94 256.70 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 402.93 256.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 436.58 256.70 Td (by ) Tj ET Q q 0 0 0 rg BT 451.58 256.70 Td (the ) Tj ET Q q 0 0 0 rg BT 469.24 256.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 504.90 256.70 Td (of ) Tj ET Q q 0 0 0 rg BT 517.89 256.70 Td (DV) Tj ET Q q 0 0 0 rg BT 533.68 256.70 Td (A.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 230.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.56 230.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.79 230.30 Td (for ) Tj ET Q q 0 0 0 rg BT 136.69 230.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.91 230.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.48 230.30 Td (was ) Tj ET Q q 0 0 0 rg BT 220.04 230.30 Td (a ) Tj ET Q q 0 0 0 rg BT 228.27 230.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 264.49 230.30 Td (of ) Tj ET Q q 0 0 0 rg BT 277.39 230.30 Td ($218 ) Tj ET Q q 0 0 0 rg BT 304.29 230.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 344.86 230.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 395.07 230.30 Td (with ) Tj ET Q q 0 0 0 rg BT 419.31 230.30 Td (a ) Tj ET Q q 0 0 0 rg BT 427.53 230.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 463.75 230.30 Td (of ) Tj ET Q q 0 0 0 rg BT 476.65 230.30 Td ($60 ) Tj ET Q q 0 0 0 rg BT 497.55 230.30 Td (million ) Tj ET Q q 0 0 0 rg BT 535.12 230.30 Td (in ) Tj ET Q q 0 0 0 rg BT 547.36 230.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 215.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 75.80 215.90 Td (year) Tj ET Q q 0 0 0 rg BT 95.79 215.90 Td (. ) Tj ET Q q 0 0 0 rg BT 101.08 215.90 Td (The ) Tj ET Q q 0 0 0 rg BT 122.21 215.90 Td (ratio ) Tj ET Q q 0 0 0 rg BT 146.67 215.90 Td (of ) Tj ET Q q 0 0 0 rg BT 159.14 215.90 Td (the ) Tj ET Q q 0 0 0 rg BT 176.27 215.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 227.38 215.90 Td (for ) Tj ET Q q 0 0 0 rg BT 243.85 215.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 266.98 215.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 298.12 215.90 Td (to ) Tj ET Q q 0 0 0 rg BT 309.93 215.90 Td (period-end ) Tj ET Q q 0 0 0 rg BT 364.38 215.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 392.18 215.90 Td (retained ) Tj ET Q q 0 0 0 rg BT 433.30 215.90 Td (was ) Tj ET Q q 0 0 0 rg BT 454.43 215.90 Td (1.09%, ) Tj ET Q q 0 0 0 rg BT 490.90 215.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.68 215.90 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 201.50 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 83.10 201.50 Td (in ) Tj ET Q q 0 0 0 rg BT 94.54 201.50 Td (the ) Tj ET Q q 0 0 0 rg BT 111.30 201.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 136.73 201.50 Td (year) Tj ET Q q 0 0 0 rg BT 156.72 201.50 Td (. ) Tj ET Q q 0 0 0 rg BT 161.82 201.50 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 213.25 201.50 Td (the ) Tj ET Q q 0 0 0 rg BT 230.01 201.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 264.77 201.50 Td (of ) Tj ET Q q 0 0 0 rg BT 276.87 201.50 Td (the ) Tj ET Q q 0 0 0 rg BT 293.63 201.50 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 360.39 201.50 Td (of ) Tj ET Q q 0 0 0 rg BT 372.49 201.50 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 463.91 201.50 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 521.33 201.50 Td (conduits ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (and ) Tj ET Q q 0 0 0 rg BT 70.38 187.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 97.42 187.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 135.78 187.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 167.17 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.89 187.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 209.93 187.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.98 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.70 187.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 292.39 187.10 Td (for ) Tj ET Q q 0 0 0 rg BT 309.44 187.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 333.16 187.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 364.88 187.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.27 187.10 Td (period-end ) Tj ET Q q 0 0 0 rg BT 432.31 187.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 460.69 187.10 Td (retained) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 499.33 192.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 503.23 187.10 Td ( ) Tj ET Q q 0 0 0 rg BT 506.29 187.10 Td (was ) Tj ET Q q 0 0 0 rg BT 528.01 187.10 Td (2.01%, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 172.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.31 172.70 Td (with ) Tj ET Q q 0 0 0 rg BT 124.64 172.70 Td (2.92% ) Tj ET Q q 0 0 0 rg BT 158.64 172.70 Td (in ) Tj ET Q q 0 0 0 rg BT 170.97 172.70 Td (the ) Tj ET Q q 0 0 0 rg BT 188.63 172.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 214.96 172.70 Td (year) Tj ET Q q 0 0 0 rg BT 234.95 172.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 146.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.32 146.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.29 146.30 Td (was ) Tj ET Q q 0 0 0 rg BT 170.28 146.30 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 193.61 146.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 230.28 146.30 Td (down ) Tj ET Q q 0 0 0 rg BT 259.27 146.30 Td (7% ) Tj ET Q q 0 0 0 rg BT 277.60 146.30 Td (from ) Tj ET Q q 0 0 0 rg BT 303.25 146.30 Td (the ) Tj ET Q q 0 0 0 rg BT 320.24 146.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 345.90 146.30 Td (year) Tj ET Q q 0 0 0 rg BT 366.07 146.30 Td (, ) Tj ET Q q 0 0 0 rg BT 371.40 146.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 418.38 146.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 451.36 146.30 Td (by ) Tj ET Q q 0 0 0 rg BT 465.69 146.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 495.34 146.30 Td (compensation ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 131.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 91.64 131.90 Td (on ) Tj ET Q q 0 0 0 rg BT 106.62 131.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 136.93 131.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 179.90 131.90 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 223.64 131.90 Td (The ) Tj ET Q q 0 0 0 rg BT 245.29 131.90 Td (compensation ) Tj ET Q q 0 0 0 rg BT 314.92 131.90 Td (ratio) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 336.91 137.34 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 338.85 131.90 Td (for ) Tj ET Q q 0 0 0 rg BT 355.83 131.90 Td (the ) Tj ET Q q 0 0 0 rg BT 373.48 131.90 Td (current ) Tj ET Q q 0 0 0 rg BT 410.44 131.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 447.41 131.90 Td (was ) Tj ET Q q 0 0 0 rg BT 469.06 131.90 Td (27%, ) Tj ET Q q 0 0 0 rg BT 497.04 131.90 Td (excluding ) Tj ET Q q 0 0 0 rg BT 547.35 131.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 117.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 85.65 117.50 Td (of ) Tj ET Q q 0 0 0 rg BT 98.65 117.50 Td (DV) Tj ET Q q 0 0 0 rg BT 114.44 117.50 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 123.10 122.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 127.00 117.50 Td (.) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 740.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 740.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 740.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 740.90 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 731.94 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 731.94 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 731.94 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 731.94 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 731.94 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 731.94 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 731.94 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 731.94 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 731.94 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 731.94 Td (noted, ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 257.31 731.94 Td (and ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 271.40 731.94 Td (all ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 281.58 731.94 Td (rankings ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 312.14 731.94 Td (are ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 324.49 731.94 Td (according ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 358.50 731.94 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 366.51 731.94 Td (Dealogic\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.51 cm /I39 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 712.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.88 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 155.09 712.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 188.30 712.10 Td (was ) Tj ET Q q 0 0 0 rg BT 210.18 712.10 Td (16% ) Tj ET Q q 0 0 0 rg BT 235.39 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 250.60 712.10 Td ($56.5billion ) Tj ET Q q 0 0 0 rg BT 315.16 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 328.37 712.10 Td (average ) Tj ET Q q 0 0 0 rg BT 368.88 712.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 415.41 712.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 450.60 712.10 Td (\(17%) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 476.59 717.54 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 478.68 712.10 Td (excluding ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 697.70 Td (DV) Tj ET Q q 0 0 0 rg BT 119.79 697.70 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 128.45 703.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 132.35 697.70 Td (\).) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 680.71 cm /I40 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 683.30 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.48 683.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.31 683.30 Td (in ) Tj ET Q q 0 0 0 rg BT 170.47 683.30 Td (Global ) Tj ET Q q 0 0 0 rg BT 205.96 683.30 Td (Investment ) Tj ET Q q 0 0 0 rg BT 262.11 683.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 305.60 683.30 Td (Fees ) Tj ET Q q 0 0 0 rg BT 330.42 683.30 Td (for ) Tj ET Q q 0 0 0 rg BT 347.24 683.30 Td (the ) Tj ET Q q 0 0 0 rg BT 364.73 683.30 Td (nine ) Tj ET Q q 0 0 0 rg BT 388.21 683.30 Td (months ) Tj ET Q q 0 0 0 rg BT 426.38 683.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 457.86 683.30 Td (September ) Tj ET Q q 0 0 0 rg BT 512.00 683.30 Td (30, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 668.90 Td (2013.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 651.91 cm /I41 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 654.50 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.55 654.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.44 654.50 Td (in ) Tj ET Q q 0 0 0 rg BT 170.67 654.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 206.22 654.50 Td (Debt, ) Tj ET Q q 0 0 0 rg BT 235.44 654.50 Td (Equity ) Tj ET Q q 0 0 0 rg BT 270.33 654.50 Td (and ) Tj ET Q q 0 0 0 rg BT 290.55 654.50 Td (Equity-related; ) Tj ET Q q 0 0 0 rg BT 365.42 654.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 380.31 654.50 Td (in ) Tj ET Q q 0 0 0 rg BT 392.54 654.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 428.09 654.50 Td (Long-T) Tj ET Q q 0 0 0 rg BT 463.91 654.50 Td (erm ) Tj ET Q q 0 0 0 rg BT 485.46 654.50 Td (Debt; ) Tj ET Q q 0 0 0 rg BT 515.01 654.50 Td (#1 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 640.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.73 640.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 150.79 640.10 Td (Syndicated ) Tj ET Q q 0 0 0 rg BT 206.51 640.10 Td (Loans; ) Tj ET Q q 0 0 0 rg BT 241.57 640.10 Td (#2 ) Tj ET Q q 0 0 0 rg BT 255.97 640.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.71 640.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 302.23 640.10 Td (Announced ) Tj ET Q q 0 0 0 rg BT 359.95 640.10 Td (M&A; ) Tj ET Q q 0 0 0 rg BT 394.36 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 414.08 640.10 Td (#2 ) Tj ET Q q 0 0 0 rg BT 428.48 640.10 Td (in ) Tj ET Q q 0 0 0 rg BT 440.21 640.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 475.27 640.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 509.67 640.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 625.70 Td (Equity-related, ) Tj ET Q q 0 0 0 rg BT 178.64 625.70 Td (based ) Tj ET Q q 0 0 0 rg BT 208.96 625.70 Td (on ) Tj ET Q q 0 0 0 rg BT 223.96 625.70 Td (volume, ) Tj ET Q q 0 0 0 rg BT 265.95 625.70 Td (for ) Tj ET Q q 0 0 0 rg BT 282.95 625.70 Td (the ) Tj ET Q q 0 0 0 rg BT 300.61 625.70 Td (nine ) Tj ET Q q 0 0 0 rg BT 324.27 625.70 Td (months ) Tj ET Q q 0 0 0 rg BT 362.60 625.70 Td (ended ) Tj ET Q q 0 0 0 rg BT 394.26 625.70 Td (September ) Tj ET Q q 0 0 0 rg BT 448.57 625.70 Td (30, ) Tj ET Q q 0 0 0 rg BT 466.57 625.70 Td (2013.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 608.71 cm /I42 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 611.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 611.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.36 611.30 Td (client ) Tj ET Q q 0 0 0 rg BT 175.63 611.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 217.57 611.30 Td (and ) Tj ET Q q 0 0 0 rg BT 237.51 611.30 Td (other ) Tj ET Q q 0 0 0 rg BT 264.78 611.30 Td (third-party ) Tj ET Q q 0 0 0 rg BT 318.71 611.30 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 365.98 611.30 Td (were ) Tj ET Q q 0 0 0 rg BT 391.91 611.30 Td ($386.0 ) Tj ET Q q 0 0 0 rg BT 427.52 611.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 464.47 611.30 Td (up ) Tj ET Q q 0 0 0 rg BT 479.08 611.30 Td (10% ) Tj ET Q q 0 0 0 rg BT 503.69 611.30 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 596.90 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 596.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 596.90 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 596.90 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 596.90 Td (5% ) Tj ET Q q 0 0 0 rg BT 210.96 596.90 Td (from ) Tj ET Q q 0 0 0 rg BT 237.28 596.90 Td (the ) Tj ET Q q 0 0 0 rg BT 254.94 596.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.27 596.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 314.59 596.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 579.91 cm /I43 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 582.50 Td (Assets ) Tj ET Q q 0 0 0 rg BT 137.68 582.50 Td (under ) Tj ET Q q 0 0 0 rg BT 167.34 582.50 Td (custody ) Tj ET Q q 0 0 0 rg BT 207.01 582.50 Td (were ) Tj ET Q q 0 0 0 rg BT 232.67 582.50 Td (a ) Tj ET Q q 0 0 0 rg BT 240.33 582.50 Td (record ) Tj ET Q q 0 0 0 rg BT 273.32 582.50 Td ($19.7 ) Tj ET Q q 0 0 0 rg BT 302.66 582.50 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 340.67 582.50 Td (up ) Tj ET Q q 0 0 0 rg BT 355.01 582.50 Td (8% ) Tj ET Q q 0 0 0 rg BT 373.34 582.50 Td (from ) Tj ET Q q 0 0 0 rg BT 399.01 582.50 Td (the ) Tj ET Q q 0 0 0 rg BT 416.01 582.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.68 582.50 Td (year ) Tj ET Q q 0 0 0 rg BT 464.67 582.50 Td (and ) Tj ET Q q 0 0 0 rg BT 484.33 582.50 Td (4% ) Tj ET Q q 0 0 0 rg BT 502.67 582.50 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 568.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 568.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 568.10 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 551.11 cm /I44 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 553.70 Td (International ) Tj ET Q q 0 0 0 rg BT 168.84 553.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 210.35 553.70 Td (was ) Tj ET Q q 0 0 0 rg BT 232.55 553.70 Td ($4.1 ) Tj ET Q q 0 0 0 rg BT 257.08 553.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 294.95 553.70 Td (up ) Tj ET Q q 0 0 0 rg BT 310.49 553.70 Td (6% ) Tj ET Q q 0 0 0 rg BT 330.02 553.70 Td (from ) Tj ET Q q 0 0 0 rg BT 356.88 553.70 Td (the ) Tj ET Q q 0 0 0 rg BT 375.07 553.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 401.93 553.70 Td (year) Tj ET Q q 0 0 0 rg BT 422.10 553.70 Td (, ) Tj ET Q q 0 0 0 rg BT 428.64 553.70 Td (representing ) Tj ET Q q 0 0 0 rg BT 491.48 553.70 Td (50% ) Tj ET Q q 0 0 0 rg BT 517.01 553.70 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 539.30 Td (total ) Tj ET Q q 0 0 0 rg BT 128.33 539.30 Td (revenue. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 522.31 cm /I45 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 524.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.97 524.90 Td (total ) Tj ET Q q 0 0 0 rg BT 184.61 524.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 213.26 524.90 Td (were ) Tj ET Q q 0 0 0 rg BT 239.89 524.90 Td ($108.0 ) Tj ET Q q 0 0 0 rg BT 276.21 524.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 313.86 524.90 Td (down ) Tj ET Q q 0 0 0 rg BT 343.84 524.90 Td (3% ) Tj ET Q q 0 0 0 rg BT 363.15 524.90 Td (from ) Tj ET Q q 0 0 0 rg BT 389.80 524.90 Td (both ) Tj ET Q q 0 0 0 rg BT 414.45 524.90 Td (the ) Tj ET Q q 0 0 0 rg BT 432.42 524.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 459.07 524.90 Td (year ) Tj ET Q q 0 0 0 rg BT 483.03 524.90 Td (and ) Tj ET Q q 0 0 0 rg BT 503.67 524.90 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 510.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 510.50 Td (. ) Tj ET Q q 0 0 0 rg BT 144.25 510.50 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 203.48 510.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 232.75 510.50 Td (were ) Tj ET Q q 0 0 0 rg BT 259.99 510.50 Td ($237 ) Tj ET Q q 0 0 0 rg BT 287.93 510.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 329.53 510.50 Td (down ) Tj ET Q q 0 0 0 rg BT 360.13 510.50 Td (70% ) Tj ET Q q 0 0 0 rg BT 386.06 510.50 Td (from ) Tj ET Q q 0 0 0 rg BT 413.32 510.50 Td (the ) Tj ET Q q 0 0 0 rg BT 431.91 510.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 459.17 510.50 Td (year ) Tj ET Q q 0 0 0 rg BT 483.75 510.50 Td (and ) Tj ET Q q 0 0 0 rg BT 505.01 510.50 Td (37% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 496.10 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 496.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 496.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 496.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 479.11 cm /I46 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 481.70 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.73 481.70 Td (trade ) Tj ET Q q 0 0 0 rg BT 186.80 481.70 Td (finance ) Tj ET Q q 0 0 0 rg BT 225.19 481.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 253.60 481.70 Td (were ) Tj ET Q q 0 0 0 rg BT 279.99 481.70 Td ($34.4 ) Tj ET Q q 0 0 0 rg BT 310.07 481.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 347.49 481.70 Td (down ) Tj ET Q q 0 0 0 rg BT 377.23 481.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 396.31 481.70 Td (from ) Tj ET Q q 0 0 0 rg BT 422.72 481.70 Td (the ) Tj ET Q q 0 0 0 rg BT 440.46 481.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.87 481.70 Td (year ) Tj ET Q q 0 0 0 rg BT 490.59 481.70 Td (and ) Tj ET Q q 0 0 0 rg BT 511.00 481.70 Td (6% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 467.30 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 467.30 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 467.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 467.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 467.30 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 429.50 Td (COMMERCIAL) Tj ET Q q 0 0 0 rg BT 131.58 429.50 Td ( BANKING \(CB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 419 m 50.5 404 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 419 m 231.5 419 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 419 m 231.5 404 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 419 m 276.5 419 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 419 m 280.5 419 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 419 m 280.5 404 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 419 m 325.5 419 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 419 m 329.5 419 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 419 m 329.5 404 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 419 m 374.5 419 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 419 m 378.5 419 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 419 m 378.5 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M 50.5 389 m 231.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 404 m 231.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 389 m 276.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 389 m 280.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 404 m 280.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 389 m 325.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 389 m 329.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 404 m 329.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 389 m 374.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 389 m 378.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 404 m 378.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 389 m 423.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 404 m 423.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 389 m 468.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 389 m 472.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 404 m 472.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 389 m 517.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 404 m 517.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 404 m 562.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 389 m 562.5 389 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 389 m 50.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 374 m 231.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 389 m 231.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 374 m 276.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 374 m 280.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 389 m 280.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 374 m 325.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 374 m 329.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 389 m 329.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 374 m 374.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 374 m 378.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 389 m 378.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 374 m 423.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 389 m 423.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 374 m 468.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 374 m 472.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 389 m 472.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 374 m 517.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 389 m 517.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 389 m 562.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 374 m 562.5 374 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 374 m 50.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 359 m 231.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 374 m 231.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 359 m 276.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 359 m 280.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 374 m 280.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 359 m 325.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 359 m 329.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 374 m 329.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 359 m 374.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 359 m 378.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 374 m 378.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 359 m 423.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 374 m 423.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 359 m 468.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 359 m 472.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 374 m 472.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 359 m 517.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 374 m 517.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 374 m 562.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 359 m 562.5 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 359 m 50.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 344 m 231.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 359 m 231.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 344 m 276.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 344 m 280.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 359 m 280.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 344 m 325.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 344 m 329.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 359 m 329.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 344 m 374.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 344 m 378.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 359 m 378.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 344 m 423.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 359 m 423.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 344 m 468.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 344 m 472.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 359 m 472.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 344 m 517.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 359 m 517.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 359 m 562.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 344 m 562.5 344 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 344 m 50.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 329 m 231.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 344 m 231.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 329 m 276.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 329 m 280.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 344 m 280.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 329 m 325.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 329 m 329.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 344 m 329.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 329 m 374.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 329 m 378.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 344 m 378.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 329 m 423.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 344 m 423.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 329 m 468.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 329 m 472.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 344 m 472.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 329 m 517.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 344 m 517.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 344 m 562.5 329 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 329 m 562.5 329 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 408.87 Td (Results for CB) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 408.87 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 408.87 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 393.87 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 393.87 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 393.87 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 393.87 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 393.87 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 393.87 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 393.87 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 393.87 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 378.87 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 378.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 378.87 Td (1,725) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 378.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 378.87 Td (1,728) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 378.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 378.87 Td (1,732) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 378.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.10 378.87 Td (\(3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 378.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.10 378.87 Td (-) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 378.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.10 378.87 Td (\(7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 378.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 545.45 378.87 Td (-) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 363.87 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 257.60 363.87 Td (\(41) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 363.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 310.25 363.87 Td (44) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 355.60 363.87 Td (\(16) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 370.30 363.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 404.60 363.87 Td (\(85) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 363.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 363.87 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 498.60 363.87 Td (\(25) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 363.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 528.95 363.87 Td (\(156) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 363.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 348.87 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 348.87 Td (661) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 348.87 Td (652) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 348.87 Td (601) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 413.80 348.87 Td (9) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 453.30 348.87 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 502.25 348.87 Td (60) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 538.15 348.87 Td (10) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 333.87 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 333.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 333.87 Td (665) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 333.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 333.87 Td (621) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 333.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 333.87 Td (690) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 333.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 408.25 333.87 Td (44) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 453.30 333.87 Td (7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 333.87 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 333.87 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 498.60 333.87 Td (\(25) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 333.87 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 333.87 Td (\(4) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 333.87 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 303.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 303.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 303.10 Td (Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 288.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.14 288.70 Td (income ) Tj ET Q q 0 0 0 rg BT 108.27 288.70 Td (was ) Tj ET Q q 0 0 0 rg BT 129.75 288.70 Td ($665 ) Tj ET Q q 0 0 0 rg BT 156.56 288.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 197.05 288.70 Td (a ) Tj ET Q q 0 0 0 rg BT 205.19 288.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 249.30 288.70 Td (of ) Tj ET Q q 0 0 0 rg BT 262.11 288.70 Td ($25 ) Tj ET Q q 0 0 0 rg BT 282.92 288.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 323.41 288.70 Td (or ) Tj ET Q q 0 0 0 rg BT 336.22 288.70 Td (4%, ) Tj ET Q q 0 0 0 rg BT 358.03 288.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 408.15 288.70 Td (with ) Tj ET Q q 0 0 0 rg BT 432.30 288.70 Td (the ) Tj ET Q q 0 0 0 rg BT 449.77 288.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 475.91 288.70 Td (year) Tj ET Q q 0 0 0 rg BT 496.08 288.70 Td (, ) Tj ET Q q 0 0 0 rg BT 501.89 288.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 550.68 288.70 Td (an ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 274.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 91.90 274.30 Td (in ) Tj ET Q q 0 0 0 rg BT 103.83 274.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 159.74 274.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 200.98 274.30 Td (and ) Tj ET Q q 0 0 0 rg BT 220.90 274.30 Td (a ) Tj ET Q q 0 0 0 rg BT 228.83 274.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 272.72 274.30 Td (in ) Tj ET Q q 0 0 0 rg BT 284.64 274.30 Td (net ) Tj ET Q q 0 0 0 rg BT 301.90 274.30 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 345.47 274.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 388.05 274.30 Td (of) Tj ET Q q 0 0 0 rg BT 397.83 274.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 417.75 274.30 Td (by ) Tj ET Q q 0 0 0 rg BT 432.34 274.30 Td (a ) Tj ET Q q 0 0 0 rg BT 440.26 274.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 470.18 274.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 518.11 274.30 Td (for ) Tj ET Q q 0 0 0 rg BT 534.69 274.30 Td (credit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 259.90 Td (losses.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 233.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.87 233.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 112.39 233.50 Td (was ) Tj ET Q q 0 0 0 rg BT 134.59 233.50 Td ($1.7billion, ) Tj ET Q q 0 0 0 rg BT 196.47 233.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 216.01 233.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 266.86 233.50 Td (with ) Tj ET Q q 0 0 0 rg BT 291.74 233.50 Td (the ) Tj ET Q q 0 0 0 rg BT 309.94 233.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 336.81 233.50 Td (year) Tj ET Q q 0 0 0 rg BT 356.80 233.50 Td (. ) Tj ET Q q 0 0 0 rg BT 363.34 233.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 384.21 233.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 423.07 233.50 Td (income ) Tj ET Q q 0 0 0 rg BT 461.94 233.50 Td (was ) Tj ET Q q 0 0 0 rg BT 484.14 233.50 Td ($1.1billion, ) Tj ET Q q 0 0 0 rg BT 546.02 233.50 Td (flat ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 219.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 99.20 219.10 Td (with ) Tj ET Q q 0 0 0 rg BT 122.42 219.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.97 219.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 164.18 219.10 Td (year) Tj ET Q q 0 0 0 rg BT 184.35 219.10 Td (, ) Tj ET Q q 0 0 0 rg BT 189.24 219.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 237.10 219.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 270.31 219.10 Td (compression ) Tj ET Q q 0 0 0 rg BT 332.85 219.10 Td (on ) Tj ET Q q 0 0 0 rg BT 346.74 219.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 369.29 219.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.50 219.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 427.72 219.10 Td (products ) Tj ET Q q 0 0 0 rg BT 470.93 219.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.15 219.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 519.36 219.10 Td (purchase ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 204.70 Td (discounts ) Tj ET Q q 0 0 0 rg BT 97.37 204.70 Td (recognized ) Tj ET Q q 0 0 0 rg BT 152.03 204.70 Td (on ) Tj ET Q q 0 0 0 rg BT 166.06 204.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 188.76 204.70 Td (repayments, ) Tj ET Q q 0 0 0 rg BT 249.10 204.70 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 321.12 204.70 Td (of) Tj ET Q q 0 0 0 rg BT 330.90 204.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 350.25 204.70 Td (by ) Tj ET Q q 0 0 0 rg BT 364.29 204.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 396.97 204.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 419.67 204.70 Td (balances. ) Tj ET Q q 0 0 0 rg BT 466.01 204.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.02 204.70 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 190.30 Td (was ) Tj ET Q q 0 0 0 rg BT 71.66 190.30 Td ($588million, ) Tj ET Q q 0 0 0 rg BT 139.33 190.30 Td (flat ) Tj ET Q q 0 0 0 rg BT 158.32 190.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 208.63 190.30 Td (with ) Tj ET Q q 0 0 0 rg BT 232.96 190.30 Td (the ) Tj ET Q q 0 0 0 rg BT 250.63 190.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 276.95 190.30 Td (year) Tj ET Q q 0 0 0 rg BT 296.94 190.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 163.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 95.01 163.90 Td (from ) Tj ET Q q 0 0 0 rg BT 121.37 163.90 Td (Middle ) Tj ET Q q 0 0 0 rg BT 159.06 163.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 196.75 163.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 240.44 163.90 Td (was ) Tj ET Q q 0 0 0 rg BT 262.14 163.90 Td ($745 ) Tj ET Q q 0 0 0 rg BT 289.17 163.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 329.87 163.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 348.89 163.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 399.23 163.90 Td (with ) Tj ET Q q 0 0 0 rg BT 423.59 163.90 Td (the ) Tj ET Q q 0 0 0 rg BT 441.28 163.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.64 163.90 Td (year) Tj ET Q q 0 0 0 rg BT 487.63 163.90 Td (. ) Tj ET Q q 0 0 0 rg BT 493.66 163.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 538.67 163.90 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 149.50 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 101.10 149.50 Td (Client ) Tj ET Q q 0 0 0 rg BT 133.54 149.50 Td (Banking ) Tj ET Q q 0 0 0 rg BT 177.32 149.50 Td (was ) Tj ET Q q 0 0 0 rg BT 199.09 149.50 Td ($459million, ) Tj ET Q q 0 0 0 rg BT 266.87 149.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 285.98 149.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 336.40 149.50 Td (with ) Tj ET Q q 0 0 0 rg BT 360.85 149.50 Td (the ) Tj ET Q q 0 0 0 rg BT 378.62 149.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 405.06 149.50 Td (year) Tj ET Q q 0 0 0 rg BT 425.04 149.50 Td (. ) Tj ET Q q 0 0 0 rg BT 431.16 149.50 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 476.25 149.50 Td (from ) Tj ET Q q 0 0 0 rg BT 502.69 149.50 Td (Commercial ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 135.10 Td (T) Tj ET Q q 0 0 0 rg BT 56.49 135.10 Td (erm ) Tj ET Q q 0 0 0 rg BT 78.09 135.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 121.02 135.10 Td (was ) Tj ET Q q 0 0 0 rg BT 142.63 135.10 Td ($31) Tj ET Q q 0 0 0 rg BT 160.18 135.10 Td (1million, ) Tj ET Q q 0 0 0 rg BT 209.80 135.10 Td (an ) Tj ET Q q 0 0 0 rg BT 224.07 135.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 266.31 135.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.25 135.10 Td ($13 ) Tj ET Q q 0 0 0 rg BT 300.20 135.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 340.81 135.10 Td (or ) Tj ET Q q 0 0 0 rg BT 353.75 135.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 375.69 135.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 425.94 135.10 Td (with ) Tj ET Q q 0 0 0 rg BT 450.21 135.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.82 135.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 494.09 135.10 Td (year) Tj ET Q q 0 0 0 rg BT 514.07 135.10 Td (. ) Tj ET Q q 0 0 0 rg BT 520.02 135.10 Td (Revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 120.70 Td (from ) Tj ET Q q 0 0 0 rg BT 76.85 120.70 Td (Real ) Tj ET Q q 0 0 0 rg BT 102.36 120.70 Td (Estate ) Tj ET Q q 0 0 0 rg BT 135.20 120.70 Td (Banking ) Tj ET Q q 0 0 0 rg BT 179.39 120.70 Td (was ) Tj ET Q q 0 0 0 rg BT 201.57 120.70 Td ($1) Tj ET Q q 0 0 0 rg BT 213.13 120.70 Td (18million, ) Tj ET Q q 0 0 0 rg BT 269.32 120.70 Td (an ) Tj ET Q q 0 0 0 rg BT 284.16 120.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 326.99 120.70 Td (of ) Tj ET Q q 0 0 0 rg BT 340.51 120.70 Td ($12 ) Tj ET Q q 0 0 0 rg BT 362.03 120.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 403.22 120.70 Td (or ) Tj ET Q q 0 0 0 rg BT 416.74 120.70 Td (1) Tj ET Q q 0 0 0 rg BT 422.29 120.70 Td (1%, ) Tj ET Q q 0 0 0 rg BT 444.81 120.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 495.64 120.70 Td (with ) Tj ET Q q 0 0 0 rg BT 520.50 120.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 120.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 106.30 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 106.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 79.90 Td (The ) Tj ET Q q 0 0 0 rg BT 71.87 79.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.42 79.90 Td (for ) Tj ET Q q 0 0 0 rg BT 137.63 79.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.17 79.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.05 79.90 Td (was ) Tj ET Q q 0 0 0 rg BT 221.93 79.90 Td (a ) Tj ET Q q 0 0 0 rg BT 230.47 79.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 267.01 79.90 Td (of ) Tj ET Q q 0 0 0 rg BT 280.22 79.90 Td ($41 ) Tj ET Q q 0 0 0 rg BT 301.44 79.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 342.32 79.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 392.85 79.90 Td (with ) Tj ET Q q 0 0 0 rg BT 417.40 79.90 Td (a ) Tj ET Q q 0 0 0 rg BT 425.94 79.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 462.48 79.90 Td (of ) Tj ET Q q 0 0 0 rg BT 475.69 79.90 Td ($16 ) Tj ET Q q 0 0 0 rg BT 496.91 79.90 Td (million ) Tj ET Q q 0 0 0 rg BT 534.79 79.90 Td (in ) Tj ET Q q 0 0 0 rg BT 547.34 79.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 65.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.75 65.50 Td (year) Tj ET Q q 0 0 0 rg BT 96.74 65.50 Td (. ) Tj ET Q q 0 0 0 rg BT 103.17 65.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 123.92 65.50 Td (char) Tj ET Q q 0 0 0 rg BT 144.35 65.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 169.46 65.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 181.55 65.50 Td (were ) Tj ET Q q 0 0 0 rg BT 208.29 65.50 Td ($16 ) Tj ET Q q 0 0 0 rg BT 229.72 65.50 Td (million ) Tj ET Q q 0 0 0 rg BT 267.82 65.50 Td (\(0.05% ) Tj ET Q q 0 0 0 rg BT 306.24 65.50 Td (net ) Tj ET Q q 0 0 0 rg BT 324.32 65.50 Td (char) Tj ET Q q 0 0 0 rg BT 344.76 65.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 369.86 65.50 Td (f ) Tj ET Q q 0 0 0 rg BT 377.28 65.50 Td (rate\), ) Tj ET Q q 0 0 0 rg BT 405.69 65.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 456.42 65.50 Td (with ) Tj ET Q q 0 0 0 rg BT 481.19 65.50 Td (net ) Tj ET Q q 0 0 0 rg BT 499.27 65.50 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 552.00 65.50 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 51.10 Td ($18million ) Tj ET Q q 0 0 0 rg BT 108.39 51.10 Td (\(0.06% ) Tj ET Q q 0 0 0 rg BT 146.10 51.10 Td (net ) Tj ET Q q 0 0 0 rg BT 163.48 51.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 208.17 51.10 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 232.87 51.10 Td (in ) Tj ET Q q 0 0 0 rg BT 244.92 51.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.30 51.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 288.34 51.10 Td (year ) Tj ET Q q 0 0 0 rg BT 311.71 51.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.75 51.10 Td (net ) Tj ET Q q 0 0 0 rg BT 349.13 51.10 Td (char) Tj ET Q q 0 0 0 rg BT 369.56 51.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 394.67 51.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 406.05 51.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.77 51.10 Td ($9million ) Tj ET Q q 0 0 0 rg BT 471.15 51.10 Td (\(0.03% ) Tj ET Q q 0 0 0 rg BT 508.87 51.10 Td (net ) Tj ET Q q 0 0 0 rg BT 526.24 51.10 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 51.10 Td (ge-) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 740.70 Td (f ) Tj ET Q q 0 0 0 rg BT 67.17 740.70 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 92.53 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 105.26 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 123.31 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 150.02 740.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 183.34 740.70 Td (. ) Tj ET Q q 0 0 0 rg BT 189.48 740.70 Td (The ) Tj ET Q q 0 0 0 rg BT 211.53 740.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 263.56 740.70 Td (for ) Tj ET Q q 0 0 0 rg BT 280.94 740.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 304.99 740.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 337.05 740.70 Td (to ) Tj ET Q q 0 0 0 rg BT 349.77 740.70 Td (period-end ) Tj ET Q q 0 0 0 rg BT 405.14 740.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 433.86 740.70 Td (retained ) Tj ET Q q 0 0 0 rg BT 475.89 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 497.94 740.70 Td (1.99%, ) Tj ET Q q 0 0 0 rg BT 535.33 740.70 Td (down ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 75.63 726.30 Td (2.15% ) Tj ET Q q 0 0 0 rg BT 108.93 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 120.56 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 137.53 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 163.16 726.30 Td (year ) Tj ET Q q 0 0 0 rg BT 186.11 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 205.74 726.30 Td (down ) Tj ET Q q 0 0 0 rg BT 234.71 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 260.33 726.30 Td (2.06% ) Tj ET Q q 0 0 0 rg BT 293.63 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 305.27 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 322.23 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 347.86 726.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 381.18 726.30 Td (. ) Tj ET Q q 0 0 0 rg BT 386.48 726.30 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 444.08 726.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 471.72 726.30 Td (were ) Tj ET Q q 0 0 0 rg BT 497.33 726.30 Td ($566million, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (down ) Tj ET Q q 0 0 0 rg BT 79.67 711.90 Td ($310million, ) Tj ET Q q 0 0 0 rg BT 147.34 711.90 Td (or ) Tj ET Q q 0 0 0 rg BT 160.33 711.90 Td (35%, ) Tj ET Q q 0 0 0 rg BT 188.33 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 214.65 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 232.31 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 258.64 711.90 Td (year) Tj ET Q q 0 0 0 rg BT 278.81 711.90 Td (, ) Tj ET Q q 0 0 0 rg BT 284.81 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 305.13 711.90 Td (up ) Tj ET Q q 0 0 0 rg BT 320.13 711.90 Td (by ) Tj ET Q q 0 0 0 rg BT 335.13 711.90 Td ($53 ) Tj ET Q q 0 0 0 rg BT 356.13 711.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 396.80 711.90 Td (or ) Tj ET Q q 0 0 0 rg BT 409.80 711.90 Td (10%, ) Tj ET Q q 0 0 0 rg BT 437.80 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 464.12 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 481.78 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 508.11 711.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 541.43 711.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 685.50 Td (Noninterest expense was $661 million, up 10% compared with the prior year) Tj ET Q q 0 0 0 rg BT 418.76 685.50 Td (, reflecting higher product- ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 671.10 Td (and headcount-related) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 156.28 676.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 160.18 671.10 Td ( expense.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 642.30 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 642.30 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 642.30 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 642.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 642.30 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 633.34 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 633.34 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 633.34 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 633.34 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 633.34 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 633.34 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 633.34 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 633.34 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 633.34 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 633.34 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 610.91 cm /I47 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 613.50 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 613.50 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 613.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 613.50 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 613.50 Td (20% ) Tj ET Q q 0 0 0 rg BT 234.31 613.50 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 613.50 Td ($13.5 ) Tj ET Q q 0 0 0 rg BT 279.31 613.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.65 613.50 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 613.50 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 613.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 613.50 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 596.51 cm /I48 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 599.10 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 599.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 599.10 Td (was ) Tj ET Q q 0 0 0 rg BT 200.29 599.10 Td (38%, ) Tj ET Q q 0 0 0 rg BT 228.29 599.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 278.60 599.10 Td (with ) Tj ET Q q 0 0 0 rg BT 302.93 599.10 Td (35% ) Tj ET Q q 0 0 0 rg BT 327.93 599.10 Td (in ) Tj ET Q q 0 0 0 rg BT 340.26 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.92 599.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 384.25 599.10 Td (year) Tj ET Q q 0 0 0 rg BT 404.23 599.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 582.11 cm /I49 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 584.70 Td (Gross ) Tj ET Q q 0 0 0 rg BT 136.13 584.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 192.92 584.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 235.71 584.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 277.82 584.70 Td (\(which ) Tj ET Q q 0 0 0 rg BT 315.27 584.70 Td (is ) Tj ET Q q 0 0 0 rg BT 327.41 584.70 Td (shared ) Tj ET Q q 0 0 0 rg BT 362.86 584.70 Td (with ) Tj ET Q q 0 0 0 rg BT 388.32 584.70 Td (the ) Tj ET Q q 0 0 0 rg BT 407.11 584.70 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 459.22 584.70 Td (& ) Tj ET Q q 0 0 0 rg BT 472.69 584.70 Td (Investment ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 570.30 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 137.98 570.30 Td (was ) Tj ET Q q 0 0 0 rg BT 161.29 570.30 Td (a ) Tj ET Q q 0 0 0 rg BT 171.27 570.30 Td (record ) Tj ET Q q 0 0 0 rg BT 206.57 570.30 Td ($448 ) Tj ET Q q 0 0 0 rg BT 235.22 570.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 277.54 570.30 Td (up ) Tj ET Q q 0 0 0 rg BT 294.19 570.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 314.84 570.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 366.80 570.30 Td (with ) Tj ET Q q 0 0 0 rg BT 392.79 570.30 Td (the ) Tj ET Q q 0 0 0 rg BT 412.10 570.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.08 570.30 Td (year ) Tj ET Q q 0 0 0 rg BT 465.38 570.30 Td (and ) Tj ET Q q 0 0 0 rg BT 487.35 570.30 Td (up ) Tj ET Q q 0 0 0 rg BT 504.01 570.30 Td (16% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 555.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 555.90 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 555.90 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 555.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 555.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 255.95 555.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 538.91 cm /I50 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 541.50 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 541.50 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.40 541.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 169.72 541.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 213.68 541.50 Td (were ) Tj ET Q q 0 0 0 rg BT 239.64 541.50 Td ($131.6 ) Tj ET Q q 0 0 0 rg BT 275.30 541.50 Td (billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 306.63 546.94 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 310.53 541.50 Td (, ) Tj ET Q q 0 0 0 rg BT 316.19 541.50 Td (up ) Tj ET Q q 0 0 0 rg BT 330.84 541.50 Td (8% ) Tj ET Q q 0 0 0 rg BT 349.49 541.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 399.45 541.50 Td (with ) Tj ET Q q 0 0 0 rg BT 423.44 541.50 Td (the ) Tj ET Q q 0 0 0 rg BT 440.75 541.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.73 541.50 Td (year ) Tj ET Q q 0 0 0 rg BT 490.03 541.50 Td (and ) Tj ET Q q 0 0 0 rg BT 510.01 541.50 Td (flat ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 527.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 527.10 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 527.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 527.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 255.95 527.10 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 510.11 cm /I51 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 512.70 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.75 512.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 183.52 512.70 Td (balances ) Tj ET Q q 0 0 0 rg BT 227.93 512.70 Td (were ) Tj ET Q q 0 0 0 rg BT 254.35 512.70 Td ($135.2billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 321.68 518.14 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 325.58 512.70 Td (, ) Tj ET Q q 0 0 0 rg BT 331.68 512.70 Td (up ) Tj ET Q q 0 0 0 rg BT 346.79 512.70 Td (9% ) Tj ET Q q 0 0 0 rg BT 365.88 512.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 416.30 512.70 Td (with ) Tj ET Q q 0 0 0 rg BT 440.73 512.70 Td (the ) Tj ET Q q 0 0 0 rg BT 458.50 512.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 484.92 512.70 Td (year ) Tj ET Q q 0 0 0 rg BT 508.67 512.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 498.30 Td (up ) Tj ET Q q 0 0 0 rg BT 119.00 498.30 Td (3% ) Tj ET Q q 0 0 0 rg BT 138.00 498.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 188.30 498.30 Td (with ) Tj ET Q q 0 0 0 rg BT 212.64 498.30 Td (the ) Tj ET Q q 0 0 0 rg BT 230.30 498.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 256.63 498.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 289.94 498.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 481.31 cm /I52 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 483.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 483.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 149.17 483.90 Td (client ) Tj ET Q q 0 0 0 rg BT 181.25 483.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 226.01 483.90 Td (and ) Tj ET Q q 0 0 0 rg BT 248.76 483.90 Td (other ) Tj ET Q q 0 0 0 rg BT 278.84 483.90 Td (third-party ) Tj ET Q q 0 0 0 rg BT 335.58 483.90 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 385.66 483.90 Td (were ) Tj ET Q q 0 0 0 rg BT 414.40 483.90 Td ($196.8 ) Tj ET Q q 0 0 0 rg BT 452.82 483.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 492.58 483.90 Td (up ) Tj ET Q q 0 0 0 rg BT 510.00 483.90 Td (3% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 469.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 469.50 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 469.50 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 469.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 469.50 Td (year ) Tj ET Q q 0 0 0 rg BT 246.28 469.50 Td (and ) Tj ET Q q 0 0 0 rg BT 266.60 469.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 285.59 469.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 335.90 469.50 Td (with ) Tj ET Q q 0 0 0 rg BT 360.24 469.50 Td (the ) Tj ET Q q 0 0 0 rg BT 377.90 469.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 404.22 469.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 437.54 469.50 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 431.70 Td (ASSET MANAGEMENT \(AM\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 421.2 m 50.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 421.2 m 231.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 421.2 m 231.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 421.2 m 276.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 421.2 m 280.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 421.2 m 280.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 421.2 m 325.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 421.2 m 329.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 421.2 m 329.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 421.2 m 374.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 421.2 m 378.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 421.2 m 378.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 421.2 m 423.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 406.2 m 423.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 421.2 m 468.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 406.2 m 468.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 421.2 m 472.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 406.2 m 472.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 421.2 m 472.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 421.2 m 517.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 406.2 m 517.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 421.2 m 562.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 421.2 m 562.5 421.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 406.2 m 562.5 406.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 406.2 m 50.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 391.2 m 231.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 406.2 m 231.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 391.2 m 276.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 391.2 m 280.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 406.2 m 280.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 391.2 m 325.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 391.2 m 329.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 406.2 m 329.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 391.2 m 374.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 391.2 m 378.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 406.2 m 378.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 391.2 m 423.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 406.2 m 423.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 391.2 m 468.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 391.2 m 472.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 406.2 m 472.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 391.2 m 517.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 406.2 m 517.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 406.2 m 562.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 391.2 m 562.5 391.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 391.2 m 50.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 376.2 m 231.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 391.2 m 231.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 376.2 m 276.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 376.2 m 280.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 391.2 m 280.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 376.2 m 325.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 376.2 m 329.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 391.2 m 329.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 376.2 m 374.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 376.2 m 378.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 391.2 m 378.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 376.2 m 423.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 391.2 m 423.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 376.2 m 468.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 376.2 m 472.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 391.2 m 472.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 376.2 m 517.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 391.2 m 517.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 391.2 m 562.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 376.2 m 562.5 376.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 376.2 m 50.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 361.2 m 231.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 376.2 m 231.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 361.2 m 276.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 361.2 m 280.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 376.2 m 280.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 361.2 m 325.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 361.2 m 329.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 376.2 m 329.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 361.2 m 374.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 361.2 m 378.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 376.2 m 378.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 361.2 m 423.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 376.2 m 423.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 361.2 m 468.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 361.2 m 472.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 376.2 m 472.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 361.2 m 517.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 376.2 m 517.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 376.2 m 562.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 361.2 m 562.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 361.2 m 50.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 346.2 m 231.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 361.2 m 231.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 346.2 m 276.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 346.2 m 280.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 361.2 m 280.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 346.2 m 325.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 346.2 m 329.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 361.2 m 329.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 346.2 m 374.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 346.2 m 378.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 361.2 m 378.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 346.2 m 423.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 361.2 m 423.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 346.2 m 468.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 346.2 m 472.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 361.2 m 472.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 346.2 m 517.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 361.2 m 517.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 361.2 m 562.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 361.2 m 562.5 361.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 346.2 m 562.5 346.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 346.2 m 50.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 331.2 m 231.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 346.2 m 231.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 331.2 m 276.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 331.2 m 280.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 346.2 m 280.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 331.2 m 325.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 331.2 m 329.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 346.2 m 329.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 331.2 m 374.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 331.2 m 378.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 346.2 m 378.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 331.2 m 423.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 346.2 m 423.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 331.2 m 468.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 331.2 m 472.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 346.2 m 472.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 331.2 m 517.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 346.2 m 517.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 346.2 m 562.5 331.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 331.2 m 562.5 331.2 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 411.07 Td (Results for AM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 411.07 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 411.07 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 396.07 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 396.07 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 396.07 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 396.07 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 396.07 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 396.07 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 396.07 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 396.07 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 381.07 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 381.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 381.07 Td (2,763) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 381.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 381.07 Td (2,725) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 381.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 381.07 Td (2,459) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 381.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 408.25 381.07 Td (38) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.65 381.07 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 381.07 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 381.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 381.07 Td (304) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 381.07 Td (12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 381.07 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 366.07 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 261.25 366.07 Td (? Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 310.25 366.07 Td (23) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 359.25 366.07 Td (14) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 404.60 366.07 Td (\(23) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 366.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 366.07 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 498.60 366.07 Td (\(14) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 366.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 366.07 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 351.07 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 351.07 Td (2,003) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 351.07 Td (1,892) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 351.07 Td (1,731) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 351.07 Td (111) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.65 351.07 Td (6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 351.07 Td (272) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 351.07 Td (16) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 336.07 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 336.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 336.07 Td (476) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 336.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 336.07 Td (500) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 336.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 336.07 Td (443) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 336.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 404.60 336.07 Td (\(24) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 336.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 445.95 336.07 Td (\(5) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 336.07 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 336.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 502.25 336.07 Td (33) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 547.30 336.07 Td (7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 336.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 302.90 Td (Discussion of Results: ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 163.02 302.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 288.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.56 288.50 Td (income ) Tj ET Q q 0 0 0 rg BT 109.11 288.50 Td (was ) Tj ET Q q 0 0 0 rg BT 131.01 288.50 Td ($476million, ) Tj ET Q q 0 0 0 rg BT 198.91 288.50 Td (an ) Tj ET Q q 0 0 0 rg BT 213.47 288.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 256.01 288.50 Td (of ) Tj ET Q q 0 0 0 rg BT 269.24 288.50 Td ($33 ) Tj ET Q q 0 0 0 rg BT 290.47 288.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 331.37 288.50 Td (or ) Tj ET Q q 0 0 0 rg BT 344.60 288.50 Td (7%, ) Tj ET Q q 0 0 0 rg BT 366.83 288.50 Td (from ) Tj ET Q q 0 0 0 rg BT 393.39 288.50 Td (the ) Tj ET Q q 0 0 0 rg BT 411.28 288.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 437.84 288.50 Td (year) Tj ET Q q 0 0 0 rg BT 458.01 288.50 Td (, ) Tj ET Q q 0 0 0 rg BT 464.24 288.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 513.45 288.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 547.34 288.50 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 93.97 274.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 166.96 274.10 Td (of) Tj ET Q q 0 0 0 rg BT 176.74 274.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 197.06 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 212.06 274.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 245.72 274.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 302.04 274.10 Td (expense.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 247.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.07 247.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.79 247.70 Td (was ) Tj ET Q q 0 0 0 rg BT 132.19 247.70 Td ($2.8billion, ) Tj ET Q q 0 0 0 rg BT 193.27 247.70 Td (an ) Tj ET Q q 0 0 0 rg BT 207.34 247.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 249.39 247.70 Td (of ) Tj ET Q q 0 0 0 rg BT 262.13 247.70 Td ($304million, ) Tj ET Q q 0 0 0 rg BT 329.54 247.70 Td (or ) Tj ET Q q 0 0 0 rg BT 342.28 247.70 Td (12%, ) Tj ET Q q 0 0 0 rg BT 370.02 247.70 Td (from ) Tj ET Q q 0 0 0 rg BT 396.09 247.70 Td (the ) Tj ET Q q 0 0 0 rg BT 413.50 247.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.57 247.70 Td (year) Tj ET Q q 0 0 0 rg BT 459.55 247.70 Td (. ) Tj ET Q q 0 0 0 rg BT 465.30 247.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.03 247.70 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 233.30 Td (was ) Tj ET Q q 0 0 0 rg BT 71.42 233.30 Td ($2.2billion, ) Tj ET Q q 0 0 0 rg BT 132.52 233.30 Td (up ) Tj ET Q q 0 0 0 rg BT 147.29 233.30 Td ($278 ) Tj ET Q q 0 0 0 rg BT 174.05 233.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 214.48 233.30 Td (or ) Tj ET Q q 0 0 0 rg BT 227.24 233.30 Td (15%, ) Tj ET Q q 0 0 0 rg BT 255.00 233.30 Td (from ) Tj ET Q q 0 0 0 rg BT 281.09 233.30 Td (the ) Tj ET Q q 0 0 0 rg BT 298.51 233.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 324.60 233.30 Td (year) Tj ET Q q 0 0 0 rg BT 344.77 233.30 Td (, ) Tj ET Q q 0 0 0 rg BT 350.53 233.30 Td (due ) Tj ET Q q 0 0 0 rg BT 370.62 233.30 Td (to ) Tj ET Q q 0 0 0 rg BT 382.72 233.30 Td (net ) Tj ET Q q 0 0 0 rg BT 400.14 233.30 Td (client ) Tj ET Q q 0 0 0 rg BT 429.56 233.30 Td (inflows, ) Tj ET Q q 0 0 0 rg BT 471.32 233.30 Td (the ) Tj ET Q q 0 0 0 rg BT 488.74 233.30 Td (ef) Tj ET Q q 0 0 0 rg BT 497.85 233.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 518.59 233.30 Td (of ) Tj ET Q q 0 0 0 rg BT 531.35 233.30 Td (higher ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 218.90 Td (market ) Tj ET Q q 0 0 0 rg BT 85.77 218.90 Td (levels ) Tj ET Q q 0 0 0 rg BT 116.21 218.90 Td (and ) Tj ET Q q 0 0 0 rg BT 135.99 218.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 169.10 218.90 Td (placement ) Tj ET Q q 0 0 0 rg BT 220.86 218.90 Td (fees. ) Tj ET Q q 0 0 0 rg BT 245.64 218.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 265.42 218.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 303.19 218.90 Td (income ) Tj ET Q q 0 0 0 rg BT 340.96 218.90 Td (was ) Tj ET Q q 0 0 0 rg BT 362.08 218.90 Td ($578million, ) Tj ET Q q 0 0 0 rg BT 429.20 218.90 Td (up ) Tj ET Q q 0 0 0 rg BT 443.66 218.90 Td ($26million, ) Tj ET Q q 0 0 0 rg BT 504.78 218.90 Td (or ) Tj ET Q q 0 0 0 rg BT 517.23 218.90 Td (5%, ) Tj ET Q q 0 0 0 rg BT 538.68 218.90 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 204.50 Td (the ) Tj ET Q q 0 0 0 rg BT 67.16 204.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 92.99 204.50 Td (year) Tj ET Q q 0 0 0 rg BT 113.16 204.50 Td (, ) Tj ET Q q 0 0 0 rg BT 118.66 204.50 Td (due ) Tj ET Q q 0 0 0 rg BT 138.49 204.50 Td (to ) Tj ET Q q 0 0 0 rg BT 150.32 204.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 183.48 204.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 206.64 204.50 Td (and ) Tj ET Q q 0 0 0 rg BT 226.47 204.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 263.64 204.50 Td (balances, ) Tj ET Q q 0 0 0 rg BT 310.45 204.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 352.94 204.50 Td (of) Tj ET Q q 0 0 0 rg BT 362.71 204.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 382.54 204.50 Td (by ) Tj ET Q q 0 0 0 rg BT 397.04 204.50 Td (narrower ) Tj ET Q q 0 0 0 rg BT 442.85 204.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 466.02 204.50 Td (and ) Tj ET Q q 0 0 0 rg BT 485.84 204.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 523.01 204.50 Td (spreads.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 94.89 178.10 Td (from ) Tj ET Q q 0 0 0 rg BT 121.12 178.10 Td (Private ) Tj ET Q q 0 0 0 rg BT 158.01 178.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 201.58 178.10 Td (was ) Tj ET Q q 0 0 0 rg BT 223.15 178.10 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 247.05 178.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 284.29 178.10 Td (up ) Tj ET Q q 0 0 0 rg BT 299.20 178.10 Td (9% ) Tj ET Q q 0 0 0 rg BT 318.10 178.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 368.31 178.10 Td (with ) Tj ET Q q 0 0 0 rg BT 392.55 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.12 178.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 436.35 178.10 Td (year) Tj ET Q q 0 0 0 rg BT 456.33 178.10 Td (. ) Tj ET Q q 0 0 0 rg BT 462.24 178.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 507.13 178.10 Td (from ) Tj ET Q q 0 0 0 rg BT 533.36 178.10 Td (Retail ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 163.70 Td (was ) Tj ET Q q 0 0 0 rg BT 71.66 163.70 Td ($722million, ) Tj ET Q q 0 0 0 rg BT 139.33 163.70 Td (up ) Tj ET Q q 0 0 0 rg BT 154.33 163.70 Td (36%. ) Tj ET Q q 0 0 0 rg BT 182.33 163.70 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 227.31 163.70 Td (from ) Tj ET Q q 0 0 0 rg BT 253.64 163.70 Td (Institutional ) Tj ET Q q 0 0 0 rg BT 314.63 163.70 Td (was ) Tj ET Q q 0 0 0 rg BT 336.29 163.70 Td ($553 ) Tj ET Q q 0 0 0 rg BT 363.29 163.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 403.96 163.70 Td (down ) Tj ET Q q 0 0 0 rg BT 433.63 163.70 Td (2%. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 137.30 Td (Client ) Tj ET Q q 0 0 0 rg BT 82.96 137.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 114.58 137.30 Td (were ) Tj ET Q q 0 0 0 rg BT 141.52 137.30 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 166.15 137.30 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 205.44 137.30 Td (an ) Tj ET Q q 0 0 0 rg BT 220.40 137.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 263.33 137.30 Td (of ) Tj ET Q q 0 0 0 rg BT 276.95 137.30 Td ($215billion, ) Tj ET Q q 0 0 0 rg BT 341.91 137.30 Td (or ) Tj ET Q q 0 0 0 rg BT 355.54 137.30 Td (1) Tj ET Q q 0 0 0 rg BT 361.09 137.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 383.71 137.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 434.65 137.30 Td (with ) Tj ET Q q 0 0 0 rg BT 459.61 137.30 Td (the ) Tj ET Q q 0 0 0 rg BT 477.90 137.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 504.85 137.30 Td (year) Tj ET Q q 0 0 0 rg BT 524.84 137.30 Td (. ) Tj ET Q q 0 0 0 rg BT 530.66 137.30 Td (Assets ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 122.90 Td (under ) Tj ET Q q 0 0 0 rg BT 80.86 122.90 Td (management ) Tj ET Q q 0 0 0 rg BT 145.70 122.90 Td (were ) Tj ET Q q 0 0 0 rg BT 172.55 122.90 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 197.09 122.90 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 236.29 122.90 Td (an ) Tj ET Q q 0 0 0 rg BT 251.15 122.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 293.99 122.90 Td (of ) Tj ET Q q 0 0 0 rg BT 307.53 122.90 Td ($159 ) Tj ET Q q 0 0 0 rg BT 335.06 122.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 372.93 122.90 Td (or ) Tj ET Q q 0 0 0 rg BT 386.47 122.90 Td (12%, ) Tj ET Q q 0 0 0 rg BT 415.00 122.90 Td (from ) Tj ET Q q 0 0 0 rg BT 441.86 122.90 Td (the ) Tj ET Q q 0 0 0 rg BT 460.06 122.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.92 122.90 Td (year) Tj ET Q q 0 0 0 rg BT 507.09 122.90 Td (, ) Tj ET Q q 0 0 0 rg BT 513.62 122.90 Td (due ) Tj ET Q q 0 0 0 rg BT 534.49 122.90 Td (to ) Tj ET Q q 0 0 0 rg BT 547.36 122.90 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 108.50 Td (inflows ) Tj ET Q q 0 0 0 rg BT 88.44 108.50 Td (to ) Tj ET Q q 0 0 0 rg BT 100.21 108.50 Td (long-term ) Tj ET Q q 0 0 0 rg BT 149.97 108.50 Td (products ) Tj ET Q q 0 0 0 rg BT 193.74 108.50 Td (and ) Tj ET Q q 0 0 0 rg BT 213.50 108.50 Td (the ) Tj ET Q q 0 0 0 rg BT 230.60 108.50 Td (ef) Tj ET Q q 0 0 0 rg BT 239.71 108.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 260.13 108.50 Td (of ) Tj ET Q q 0 0 0 rg BT 272.56 108.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 305.66 108.50 Td (market ) Tj ET Q q 0 0 0 rg BT 341.41 108.50 Td (levels. ) Tj ET Q q 0 0 0 rg BT 374.84 108.50 Td (Custody) Tj ET Q q 0 0 0 rg BT 414.07 108.50 Td (, ) Tj ET Q q 0 0 0 rg BT 419.51 108.50 Td (brokerage, ) Tj ET Q q 0 0 0 rg BT 472.92 108.50 Td (administration ) Tj ET Q q 0 0 0 rg BT 544.68 108.50 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 88.28 94.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 133.21 94.10 Td (were ) Tj ET Q q 0 0 0 rg BT 160.14 94.10 Td ($706billion, ) Tj ET Q q 0 0 0 rg BT 225.10 94.10 Td (up ) Tj ET Q q 0 0 0 rg BT 240.71 94.10 Td ($56billion, ) Tj ET Q q 0 0 0 rg BT 299.67 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 313.28 94.10 Td (9%, ) Tj ET Q q 0 0 0 rg BT 335.90 94.10 Td (from ) Tj ET Q q 0 0 0 rg BT 362.84 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.12 94.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 408.06 94.10 Td (year) Tj ET Q q 0 0 0 rg BT 428.23 94.10 Td (, ) Tj ET Q q 0 0 0 rg BT 434.85 94.10 Td (due ) Tj ET Q q 0 0 0 rg BT 455.79 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.75 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 487.02 94.10 Td (ef) Tj ET Q q 0 0 0 rg BT 496.13 94.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 517.73 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 531.34 94.10 Td (higher ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 79.70 Td (market ) Tj ET Q q 0 0 0 rg BT 86.32 79.70 Td (levels ) Tj ET Q q 0 0 0 rg BT 117.31 79.70 Td (and ) Tj ET Q q 0 0 0 rg BT 137.63 79.70 Td (custody ) Tj ET Q q 0 0 0 rg BT 177.96 79.70 Td (inflows.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 53.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.66 53.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.99 53.30 Td (for ) Tj ET Q q 0 0 0 rg BT 136.98 53.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.30 53.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.97 53.30 Td (was ) Tj ET Q q 0 0 0 rg BT 220.63 53.30 Td (negligible, ) Tj ET Q q 0 0 0 rg BT 274.62 53.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 324.93 53.30 Td (with ) Tj ET Q q 0 0 0 rg BT 349.26 53.30 Td ($14 ) Tj ET Q q 0 0 0 rg BT 370.26 53.30 Td (million ) Tj ET Q q 0 0 0 rg BT 407.93 53.30 Td (in ) Tj ET Q q 0 0 0 rg BT 420.27 53.30 Td (the ) Tj ET Q q 0 0 0 rg BT 437.93 53.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 464.25 53.30 Td (year) Tj ET Q q 0 0 0 rg BT 484.24 53.30 Td (.) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 727.70 Td (Noninterest expense was $2.0 billion, an increase of $272 million, or 16%, from the prior year) Tj ET Q q 0 0 0 rg BT 502.40 727.70 Td (, primarily ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 713.30 Td (due to higher headcount-related) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 202.27 718.74 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 206.17 713.30 Td ( expense, higher performance-based compensation and costs related to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 698.90 Td (the control agenda.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 672.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 672.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 672.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 672.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 672.50 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 663.54 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 663.54 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 663.54 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 663.54 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 663.54 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 663.54 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 663.54 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 663.54 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 663.54 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 663.54 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 641.11 cm /I53 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 643.70 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 643.70 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 643.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 643.70 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 643.70 Td (21% ) Tj ET Q q 0 0 0 rg BT 234.31 643.70 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 643.70 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 273.31 643.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 307.65 643.70 Td (of ) Tj ET Q q 0 0 0 rg BT 320.64 643.70 Td (average ) Tj ET Q q 0 0 0 rg BT 360.95 643.70 Td (allocated ) Tj ET Q q 0 0 0 rg BT 407.25 643.70 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 626.71 cm /I54 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 629.30 Td (Pretax ) Tj ET Q q 0 0 0 rg BT 137.66 629.30 Td (mar) Tj ET Q q 0 0 0 rg BT 156.10 629.30 Td (gin) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 171.43 634.74 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 175.33 629.30 Td ( ) Tj ET Q q 0 0 0 rg BT 178.33 629.30 Td (was ) Tj ET Q q 0 0 0 rg BT 199.99 629.30 Td (28%, ) Tj ET Q q 0 0 0 rg BT 227.99 629.30 Td (down ) Tj ET Q q 0 0 0 rg BT 257.65 629.30 Td (from ) Tj ET Q q 0 0 0 rg BT 283.98 629.30 Td (29% ) Tj ET Q q 0 0 0 rg BT 308.98 629.30 Td (in ) Tj ET Q q 0 0 0 rg BT 321.31 629.30 Td (the ) Tj ET Q q 0 0 0 rg BT 338.97 629.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 365.30 629.30 Td (year) Tj ET Q q 0 0 0 rg BT 385.28 629.30 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 612.31 cm /I55 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 614.90 Td (For ) Tj ET Q q 0 0 0 rg BT 124.68 614.90 Td (the ) Tj ET Q q 0 0 0 rg BT 143.35 614.90 Td (12 ) Tj ET Q q 0 0 0 rg BT 159.36 614.90 Td (months ) Tj ET Q q 0 0 0 rg BT 198.71 614.90 Td (ended ) Tj ET Q q 0 0 0 rg BT 231.37 614.90 Td (September ) Tj ET Q q 0 0 0 rg BT 286.69 614.90 Td (30, ) Tj ET Q q 0 0 0 rg BT 305.70 614.90 Td (2013, ) Tj ET Q q 0 0 0 rg BT 336.71 614.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 368.72 614.90 Td (under ) Tj ET Q q 0 0 0 rg BT 400.05 614.90 Td (management ) Tj ET Q q 0 0 0 rg BT 465.36 614.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 511.34 614.90 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 600.50 Td (inflows ) Tj ET Q q 0 0 0 rg BT 142.74 600.50 Td (of ) Tj ET Q q 0 0 0 rg BT 155.47 600.50 Td ($95 ) Tj ET Q q 0 0 0 rg BT 176.21 600.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 213.28 600.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 246.68 600.50 Td (by ) Tj ET Q q 0 0 0 rg BT 261.42 600.50 Td (net ) Tj ET Q q 0 0 0 rg BT 278.81 600.50 Td (inflows ) Tj ET Q q 0 0 0 rg BT 317.55 600.50 Td (of ) Tj ET Q q 0 0 0 rg BT 330.28 600.50 Td ($84 ) Tj ET Q q 0 0 0 rg BT 351.02 600.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 385.10 600.50 Td (to ) Tj ET Q q 0 0 0 rg BT 397.17 600.50 Td (long-term ) Tj ET Q q 0 0 0 rg BT 447.23 600.50 Td (products ) Tj ET Q q 0 0 0 rg BT 491.29 600.50 Td (and ) Tj ET Q q 0 0 0 rg BT 511.35 600.50 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 586.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 142.76 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.52 586.10 Td ($1) Tj ET Q q 0 0 0 rg BT 167.07 586.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 175.83 586.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 209.93 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.03 586.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 265.46 586.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 312.55 586.10 Td (For ) Tj ET Q q 0 0 0 rg BT 331.98 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.40 586.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 382.90 586.10 Td (, ) Tj ET Q q 0 0 0 rg BT 388.66 586.10 Td (net ) Tj ET Q q 0 0 0 rg BT 406.08 586.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 444.84 586.10 Td (were ) Tj ET Q q 0 0 0 rg BT 470.92 586.10 Td ($32 ) Tj ET Q q 0 0 0 rg BT 491.68 586.10 Td (billion, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 571.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 137.59 571.70 Td (by ) Tj ET Q q 0 0 0 rg BT 152.53 571.70 Td (net ) Tj ET Q q 0 0 0 rg BT 170.13 571.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 209.06 571.70 Td (of ) Tj ET Q q 0 0 0 rg BT 222.00 571.70 Td ($19 ) Tj ET Q q 0 0 0 rg BT 242.93 571.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 277.21 571.70 Td (to ) Tj ET Q q 0 0 0 rg BT 289.48 571.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 339.74 571.70 Td (products ) Tj ET Q q 0 0 0 rg BT 384.00 571.70 Td (and ) Tj ET Q q 0 0 0 rg BT 404.26 571.70 Td (net ) Tj ET Q q 0 0 0 rg BT 421.86 571.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 460.80 571.70 Td (of ) Tj ET Q q 0 0 0 rg BT 473.73 571.70 Td ($13 ) Tj ET Q q 0 0 0 rg BT 494.67 571.70 Td (billion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 557.30 Td (to ) Tj ET Q q 0 0 0 rg BT 116.33 557.30 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 160.00 557.30 Td (products.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 540.31 cm /I56 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 542.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 124.33 542.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 174.65 542.90 Td (client ) Tj ET Q q 0 0 0 rg BT 204.30 542.90 Td (flows ) Tj ET Q q 0 0 0 rg BT 233.97 542.90 Td (were ) Tj ET Q q 0 0 0 rg BT 260.28 542.90 Td (positive ) Tj ET Q q 0 0 0 rg BT 301.28 542.90 Td (for ) Tj ET Q q 0 0 0 rg BT 318.27 542.90 Td (the ) Tj ET Q q 0 0 0 rg BT 335.93 542.90 Td (eighteenth ) Tj ET Q q 0 0 0 rg BT 388.91 542.90 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 448.55 542.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 481.87 542.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 525.91 cm /I57 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 528.50 Td (Assets ) Tj ET Q q 0 0 0 rg BT 139.29 528.50 Td (under ) Tj ET Q q 0 0 0 rg BT 170.56 528.50 Td (management ) Tj ET Q q 0 0 0 rg BT 235.82 528.50 Td (ranked ) Tj ET Q q 0 0 0 rg BT 272.42 528.50 Td (in ) Tj ET Q q 0 0 0 rg BT 285.70 528.50 Td (the ) Tj ET Q q 0 0 0 rg BT 304.31 528.50 Td (top ) Tj ET Q q 0 0 0 rg BT 323.60 528.50 Td (two ) Tj ET Q q 0 0 0 rg BT 345.55 528.50 Td (quartiles ) Tj ET Q q 0 0 0 rg BT 390.82 528.50 Td (for ) Tj ET Q q 0 0 0 rg BT 408.76 528.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 465.37 528.50 Td (performance) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 526.00 528.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 514.10 Td (were ) Tj ET Q q 0 0 0 rg BT 130.31 514.10 Td (74% ) Tj ET Q q 0 0 0 rg BT 155.31 514.10 Td (over ) Tj ET Q q 0 0 0 rg BT 179.63 514.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 188.63 514.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 219.95 514.10 Td (74% ) Tj ET Q q 0 0 0 rg BT 244.95 514.10 Td (over ) Tj ET Q q 0 0 0 rg BT 269.27 514.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 278.27 514.10 Td (years ) Tj ET Q q 0 0 0 rg BT 306.59 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.91 514.10 Td (73% ) Tj ET Q q 0 0 0 rg BT 351.91 514.10 Td (over ) Tj ET Q q 0 0 0 rg BT 376.23 514.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 385.23 514.10 Td (year) Tj ET Q q 0 0 0 rg BT 405.22 514.10 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 497.11 cm /I58 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 499.70 Td (Customer ) Tj ET Q q 0 0 0 rg BT 153.66 499.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 184.66 499.70 Td (in ) Tj ET Q q 0 0 0 rg BT 196.99 499.70 Td (4 ) Tj ET Q q 0 0 0 rg BT 205.99 499.70 Td (and ) Tj ET Q q 0 0 0 rg BT 226.32 499.70 Td (5 ) Tj ET Q q 0 0 0 rg BT 235.32 499.70 Td (Star) Tj ET Q q 0 0 0 rg BT 254.41 499.70 Td (-rated ) Tj ET Q q 0 0 0 rg BT 285.39 499.70 Td (funds ) Tj ET Q q 0 0 0 rg BT 315.05 499.70 Td (were ) Tj ET Q q 0 0 0 rg BT 341.37 499.70 Td (55% ) Tj ET Q q 0 0 0 rg BT 366.37 499.70 Td (of ) Tj ET Q q 0 0 0 rg BT 379.36 499.70 Td (all ) Tj ET Q q 0 0 0 rg BT 394.36 499.70 Td (rated ) Tj ET Q q 0 0 0 rg BT 421.34 499.70 Td (mutual ) Tj ET Q q 0 0 0 rg BT 457.67 499.70 Td (fund ) Tj ET Q q 0 0 0 rg BT 482.66 499.70 Td (assets. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 482.71 cm /I59 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 485.30 Td (Client ) Tj ET Q q 0 0 0 rg BT 135.72 485.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 166.11 485.30 Td (were ) Tj ET Q q 0 0 0 rg BT 191.81 485.30 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 215.20 485.30 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 253.25 485.30 Td (up ) Tj ET Q q 0 0 0 rg BT 267.64 485.30 Td (1) Tj ET Q q 0 0 0 rg BT 273.20 485.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 291.58 485.30 Td (from ) Tj ET Q q 0 0 0 rg BT 317.30 485.30 Td (the ) Tj ET Q q 0 0 0 rg BT 334.35 485.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 360.06 485.30 Td (year ) Tj ET Q q 0 0 0 rg BT 383.10 485.30 Td (and ) Tj ET Q q 0 0 0 rg BT 402.82 485.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 421.20 485.30 Td (from ) Tj ET Q q 0 0 0 rg BT 446.92 485.30 Td (the ) Tj ET Q q 0 0 0 rg BT 463.97 485.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 489.68 485.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 523.00 485.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 468.31 cm /I60 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 470.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 470.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.62 470.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.82 470.90 Td (were ) Tj ET Q q 0 0 0 rg BT 201.00 470.90 Td ($87.8billion, ) Tj ET Q q 0 0 0 rg BT 268.21 470.90 Td (a ) Tj ET Q q 0 0 0 rg BT 276.40 470.90 Td (record, ) Tj ET Q q 0 0 0 rg BT 312.92 470.90 Td (up ) Tj ET Q q 0 0 0 rg BT 327.79 470.90 Td (22% ) Tj ET Q q 0 0 0 rg BT 352.65 470.90 Td (from ) Tj ET Q q 0 0 0 rg BT 378.85 470.90 Td (the ) Tj ET Q q 0 0 0 rg BT 396.38 470.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 422.58 470.90 Td (year ) Tj ET Q q 0 0 0 rg BT 446.09 470.90 Td (and ) Tj ET Q q 0 0 0 rg BT 466.29 470.90 Td (5% ) Tj ET Q q 0 0 0 rg BT 485.16 470.90 Td (from ) Tj ET Q q 0 0 0 rg BT 511.35 470.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 456.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 456.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 456.50 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 439.51 cm /I61 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 442.10 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.85 442.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 188.38 442.10 Td (were ) Tj ET Q q 0 0 0 rg BT 214.89 442.10 Td ($90.5billion, ) Tj ET Q q 0 0 0 rg BT 282.43 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 290.96 442.10 Td (record, ) Tj ET Q q 0 0 0 rg BT 327.80 442.10 Td (up ) Tj ET Q q 0 0 0 rg BT 343.00 442.10 Td (21% ) Tj ET Q q 0 0 0 rg BT 368.19 442.10 Td (from ) Tj ET Q q 0 0 0 rg BT 394.72 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.58 442.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.10 442.10 Td (year ) Tj ET Q q 0 0 0 rg BT 462.95 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.48 442.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 502.67 442.10 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 427.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 427.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 427.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 427.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 410.71 cm /I62 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 413.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 413.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.93 413.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 189.44 413.30 Td (were ) Tj ET Q q 0 0 0 rg BT 215.93 413.30 Td ($138.7 ) Tj ET Q q 0 0 0 rg BT 252.11 413.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 289.63 413.30 Td (up ) Tj ET Q q 0 0 0 rg BT 304.81 413.30 Td (9% ) Tj ET Q q 0 0 0 rg BT 323.98 413.30 Td (from ) Tj ET Q q 0 0 0 rg BT 350.49 413.30 Td (the ) Tj ET Q q 0 0 0 rg BT 368.33 413.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 394.83 413.30 Td (year ) Tj ET Q q 0 0 0 rg BT 418.66 413.30 Td (and ) Tj ET Q q 0 0 0 rg BT 439.16 413.30 Td (2% ) Tj ET Q q 0 0 0 rg BT 458.34 413.30 Td (from ) Tj ET Q q 0 0 0 rg BT 484.84 413.30 Td (the ) Tj ET Q q 0 0 0 rg BT 502.68 413.30 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 398.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 398.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 381.91 cm /I63 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 384.50 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 158.97 384.50 Td (deposits ) Tj ET Q q 0 0 0 rg BT 200.62 384.50 Td (were ) Tj ET Q q 0 0 0 rg BT 226.26 384.50 Td ($139.6 ) Tj ET Q q 0 0 0 rg BT 261.58 384.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 298.23 384.50 Td (up ) Tj ET Q q 0 0 0 rg BT 312.55 384.50 Td (8% ) Tj ET Q q 0 0 0 rg BT 330.86 384.50 Td (from ) Tj ET Q q 0 0 0 rg BT 356.51 384.50 Td (the ) Tj ET Q q 0 0 0 rg BT 373.49 384.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 399.13 384.50 Td (year ) Tj ET Q q 0 0 0 rg BT 422.10 384.50 Td (and ) Tj ET Q q 0 0 0 rg BT 441.75 384.50 Td (2% ) Tj ET Q q 0 0 0 rg BT 460.06 384.50 Td (from ) Tj ET Q q 0 0 0 rg BT 485.71 384.50 Td (the ) Tj ET Q q 0 0 0 rg BT 502.69 384.50 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 370.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 370.10 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 332.30 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 332.30 Td (TE/PRIV) Tj ET Q q 0 0 0 rg BT 151.80 332.30 Td (A) Tj ET Q q 0 0 0 rg BT 159.14 332.30 Td (TE EQUITY) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 321.79999999999995 m 50.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 321.79999999999995 m 231.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 321.79999999999995 m 231.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 321.79999999999995 m 276.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 321.79999999999995 m 280.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 321.79999999999995 m 280.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 321.79999999999995 m 325.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 321.79999999999995 m 329.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 321.79999999999995 m 329.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 321.79999999999995 m 374.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 321.79999999999995 m 378.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 321.79999999999995 m 378.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 321.79999999999995 m 423.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 294.79999999999995 m 423.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 321.79999999999995 m 468.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 294.79999999999995 m 468.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 321.79999999999995 m 472.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 294.79999999999995 m 472.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 321.79999999999995 m 472.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 321.79999999999995 m 517.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 294.79999999999995 m 517.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 321.79999999999995 m 562.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 321.79999999999995 m 562.5 321.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 294.79999999999995 m 562.5 294.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 294.79999999999995 m 50.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 279.79999999999995 m 231.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 294.79999999999995 m 231.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 279.79999999999995 m 276.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 279.79999999999995 m 280.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 294.79999999999995 m 280.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 279.79999999999995 m 325.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 279.79999999999995 m 329.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 294.79999999999995 m 329.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 279.79999999999995 m 374.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 279.79999999999995 m 378.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 294.79999999999995 m 378.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 279.79999999999995 m 423.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 294.79999999999995 m 423.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 279.79999999999995 m 468.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 279.79999999999995 m 472.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 294.79999999999995 m 472.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 279.79999999999995 m 517.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 294.79999999999995 m 517.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 294.79999999999995 m 562.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 279.79999999999995 m 562.5 279.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 279.79999999999995 m 50.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 264.79999999999995 m 231.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 279.79999999999995 m 231.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 264.79999999999995 m 276.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 264.79999999999995 m 280.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 279.79999999999995 m 280.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 264.79999999999995 m 325.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 264.79999999999995 m 329.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 279.79999999999995 m 329.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 264.79999999999995 m 374.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 264.79999999999995 m 378.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 279.79999999999995 m 378.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 264.79999999999995 m 423.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 279.79999999999995 m 423.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 264.79999999999995 m 468.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 264.79999999999995 m 472.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 279.79999999999995 m 472.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 264.79999999999995 m 517.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 279.79999999999995 m 517.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 279.79999999999995 m 562.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 264.79999999999995 m 562.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 264.79999999999995 m 50.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 249.79999999999995 m 231.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 264.79999999999995 m 231.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 249.79999999999995 m 276.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 249.79999999999995 m 280.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 264.79999999999995 m 280.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 249.79999999999995 m 325.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 249.79999999999995 m 329.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 264.79999999999995 m 329.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 249.79999999999995 m 374.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 249.79999999999995 m 378.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 264.79999999999995 m 378.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 249.79999999999995 m 423.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 264.79999999999995 m 423.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 264.79999999999995 m 468.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 249.79999999999995 m 468.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 249.79999999999995 m 472.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 264.79999999999995 m 472.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 249.79999999999995 m 517.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 264.79999999999995 m 517.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 264.79999999999995 m 562.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 264.79999999999995 m 562.5 264.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 249.79999999999995 m 562.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 249.79999999999995 m 50.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 234.79999999999995 m 231.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 249.79999999999995 m 231.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 234.79999999999995 m 276.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 234.79999999999995 m 280.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 249.79999999999995 m 280.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 234.79999999999995 m 325.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 234.79999999999995 m 329.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 249.79999999999995 m 329.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 234.79999999999995 m 374.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 234.79999999999995 m 378.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 249.79999999999995 m 378.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 234.79999999999995 m 423.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 249.79999999999995 m 423.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 234.79999999999995 m 468.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 234.79999999999995 m 472.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 249.79999999999995 m 472.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 234.79999999999995 m 517.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 249.79999999999995 m 517.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 249.79999999999995 m 562.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 249.79999999999995 m 562.5 249.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 234.79999999999995 m 562.5 234.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 234.79999999999995 m 50.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 219.79999999999995 m 231.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 234.79999999999995 m 231.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 219.79999999999995 m 276.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 219.79999999999995 m 280.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 234.79999999999995 m 280.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 219.79999999999995 m 325.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 219.79999999999995 m 329.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 234.79999999999995 m 329.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 219.79999999999995 m 374.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 219.79999999999995 m 378.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 234.79999999999995 m 378.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 219.79999999999995 m 423.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 234.79999999999995 m 423.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 219.79999999999995 m 468.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 219.79999999999995 m 472.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 234.79999999999995 m 472.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 219.79999999999995 m 517.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 234.79999999999995 m 517.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 234.79999999999995 m 562.5 219.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 219.79999999999995 m 562.5 219.79999999999995 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 310.72 Td (Results for ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 299.72 Td (Corporate/Private Equity) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 299.72 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 299.72 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 284.67 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 284.67 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 284.67 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 284.67 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 284.67 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 284.67 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 284.67 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 284.67 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 269.67 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 269.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 269.67 Td (121) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 269.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 301.10 269.67 Td (\(386) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 269.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 269.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 269.67 Td (592) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 269.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 269.67 Td (507) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 269.67 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 269.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 269.67 Td (\(471) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 269.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 269.67 Td (\(80) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 269.67 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 254.67 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 257.60 254.67 Td (\(17) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 254.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 315.80 254.67 Td (5) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 355.60 254.67 Td (\(11) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 370.30 254.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 404.60 254.67 Td (\(22) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 254.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 254.67 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.10 254.67 Td (\(6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 254.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 254.67 Td (\(55) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 254.67 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 239.67 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 239.67 Td (9,096) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 239.67 Td (716) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 239.67 Td (733) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 394.50 239.67 Td (8,380) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 239.67 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 488.50 239.67 Td (8,363) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 239.67 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 224.67 Td (Net Income/\(Loss\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 224.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 243.85 224.67 Td (\(6,463) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 224.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 224.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 301.10 224.67 Td (\(552) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 224.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 224.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 224.67 Td (228) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 224.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 390.85 224.67 Td (\(5,911) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 224.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 224.67 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 224.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 224.67 Td (\(6,691) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 224.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 224.67 Td (NM) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 191.50 Td (Discussion of Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 177.10 Td (Net income was a loss of $6.5 billion, compared with net income of $228 million in the prior year) Tj ET Q q 0 0 0 rg BT 519.24 177.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 150.70 Td (Private ) Tj ET Q q 0 0 0 rg BT 86.31 150.70 Td (Equity ) Tj ET Q q 0 0 0 rg BT 120.63 150.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 162.93 150.70 Td (net ) Tj ET Q q 0 0 0 rg BT 179.91 150.70 Td (income ) Tj ET Q q 0 0 0 rg BT 217.56 150.70 Td (of ) Tj ET Q q 0 0 0 rg BT 229.87 150.70 Td ($242 ) Tj ET Q q 0 0 0 rg BT 256.20 150.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 296.19 150.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 345.82 150.70 Td (with ) Tj ET Q q 0 0 0 rg BT 369.47 150.70 Td (a ) Tj ET Q q 0 0 0 rg BT 377.12 150.70 Td (net ) Tj ET Q q 0 0 0 rg BT 394.10 150.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 415.10 150.70 Td (of ) Tj ET Q q 0 0 0 rg BT 427.42 150.70 Td ($89 ) Tj ET Q q 0 0 0 rg BT 447.74 150.70 Td (million ) Tj ET Q q 0 0 0 rg BT 484.73 150.70 Td (in ) Tj ET Q q 0 0 0 rg BT 496.39 150.70 Td (the ) Tj ET Q q 0 0 0 rg BT 513.37 150.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.02 150.70 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 150.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 136.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.41 136.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.47 136.30 Td (was ) Tj ET Q q 0 0 0 rg BT 133.22 136.30 Td ($398 ) Tj ET Q q 0 0 0 rg BT 160.30 136.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 201.06 136.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 251.45 136.30 Td (with ) Tj ET Q q 0 0 0 rg BT 275.87 136.30 Td (a ) Tj ET Q q 0 0 0 rg BT 284.28 136.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 306.04 136.30 Td (of ) Tj ET Q q 0 0 0 rg BT 319.12 136.30 Td ($135 ) Tj ET Q q 0 0 0 rg BT 346.21 136.30 Td (million ) Tj ET Q q 0 0 0 rg BT 383.96 136.30 Td (in ) Tj ET Q q 0 0 0 rg BT 396.38 136.30 Td (the ) Tj ET Q q 0 0 0 rg BT 414.13 136.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.54 136.30 Td (year) Tj ET Q q 0 0 0 rg BT 460.70 136.30 Td (, ) Tj ET Q q 0 0 0 rg BT 466.79 136.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 514.53 136.30 Td (due ) Tj ET Q q 0 0 0 rg BT 534.94 136.30 Td (to ) Tj ET Q q 0 0 0 rg BT 547.36 136.30 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 121.90 Td (valuation ) Tj ET Q q 0 0 0 rg BT 97.65 121.90 Td (gains ) Tj ET Q q 0 0 0 rg BT 125.98 121.90 Td (on ) Tj ET Q q 0 0 0 rg BT 140.98 121.90 Td (private ) Tj ET Q q 0 0 0 rg BT 177.30 121.90 Td (investments.) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (T) Tj ET Q q 0 0 0 rg BT 56.91 740.70 Td (reasury ) Tj ET Q q 0 0 0 rg BT 94.69 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 114.48 740.70 Td (CIO ) Tj ET Q q 0 0 0 rg BT 137.62 740.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 180.06 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 187.85 740.70 Td (net ) Tj ET Q q 0 0 0 rg BT 204.98 740.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 226.12 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 238.58 740.70 Td ($193 ) Tj ET Q q 0 0 0 rg BT 265.05 740.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 305.19 740.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 354.96 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 378.76 740.70 Td (net ) Tj ET Q q 0 0 0 rg BT 395.89 740.70 Td (income ) Tj ET Q q 0 0 0 rg BT 433.68 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 446.14 740.70 Td ($369 ) Tj ET Q q 0 0 0 rg BT 472.61 740.70 Td (million ) Tj ET Q q 0 0 0 rg BT 509.74 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 521.54 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 740.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 726.30 Td (. ) Tj ET Q q 0 0 0 rg BT 76.10 726.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 96.54 726.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 137.63 726.30 Td (was ) Tj ET Q q 0 0 0 rg BT 159.40 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 167.84 726.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 189.63 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 202.73 726.30 Td ($232 ) Tj ET Q q 0 0 0 rg BT 229.85 726.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 270.63 726.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 321.05 726.30 Td (with ) Tj ET Q q 0 0 0 rg BT 345.50 726.30 Td (net ) Tj ET Q q 0 0 0 rg BT 363.27 726.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 404.36 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 417.47 726.30 Td ($713 ) Tj ET Q q 0 0 0 rg BT 444.58 726.30 Td (million ) Tj ET Q q 0 0 0 rg BT 482.36 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 494.81 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 512.58 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.02 726.30 Td (year) Tj ET Q q 0 0 0 rg BT 559.01 726.30 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (The ) Tj ET Q q 0 0 0 rg BT 70.16 711.90 Td (prior) Tj ET Q q 0 0 0 rg BT 93.25 711.90 Td (-year ) Tj ET Q q 0 0 0 rg BT 119.40 711.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 158.88 711.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 202.36 711.90 Td ($888 ) Tj ET Q q 0 0 0 rg BT 227.86 711.90 Td (million ) Tj ET Q q 0 0 0 rg BT 264.04 711.90 Td (extinguishment ) Tj ET Q q 0 0 0 rg BT 339.54 711.90 Td (gains ) Tj ET Q q 0 0 0 rg BT 366.38 711.90 Td (related ) Tj ET Q q 0 0 0 rg BT 400.53 711.90 Td (to ) Tj ET Q q 0 0 0 rg BT 411.37 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 427.54 711.90 Td (redemption ) Tj ET Q q 0 0 0 rg BT 483.69 711.90 Td (of ) Tj ET Q q 0 0 0 rg BT 495.20 711.90 Td (trust ) Tj ET Q q 0 0 0 rg BT 518.04 711.90 Td (preferred ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (securities. ) Tj ET Q q 0 0 0 rg BT 100.58 697.50 Td (Current-quarter ) Tj ET Q q 0 0 0 rg BT 177.47 697.50 Td (net ) Tj ET Q q 0 0 0 rg BT 194.40 697.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 231.98 697.50 Td (income ) Tj ET Q q 0 0 0 rg BT 269.56 697.50 Td (was ) Tj ET Q q 0 0 0 rg BT 290.49 697.50 Td (a ) Tj ET Q q 0 0 0 rg BT 298.08 697.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 319.02 697.50 Td (of ) Tj ET Q q 0 0 0 rg BT 331.27 697.50 Td ($261 ) Tj ET Q q 0 0 0 rg BT 357.54 697.50 Td (million ) Tj ET Q q 0 0 0 rg BT 394.47 697.50 Td (due ) Tj ET Q q 0 0 0 rg BT 414.06 697.50 Td (to ) Tj ET Q q 0 0 0 rg BT 425.66 697.50 Td (low ) Tj ET Q q 0 0 0 rg BT 445.92 697.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 483.50 697.50 Td (rates ) Tj ET Q q 0 0 0 rg BT 508.42 697.50 Td (and ) Tj ET Q q 0 0 0 rg BT 528.01 697.50 Td (limited ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (reinvestment ) Tj ET Q q 0 0 0 rg BT 114.98 683.10 Td (opportunities.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 656.70 Td (Other ) Tj ET Q q 0 0 0 rg BT 79.95 656.70 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 130.55 656.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 173.15 656.70 Td (a ) Tj ET Q q 0 0 0 rg BT 181.10 656.70 Td (net ) Tj ET Q q 0 0 0 rg BT 198.39 656.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 219.68 656.70 Td (of ) Tj ET Q q 0 0 0 rg BT 232.30 656.70 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 255.93 656.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 292.89 656.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 342.82 656.70 Td (with ) Tj ET Q q 0 0 0 rg BT 366.78 656.70 Td (a ) Tj ET Q q 0 0 0 rg BT 374.73 656.70 Td (net ) Tj ET Q q 0 0 0 rg BT 392.01 656.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 413.31 656.70 Td (of ) Tj ET Q q 0 0 0 rg BT 425.93 656.70 Td ($52 ) Tj ET Q q 0 0 0 rg BT 446.55 656.70 Td (million ) Tj ET Q q 0 0 0 rg BT 483.84 656.70 Td (in ) Tj ET Q q 0 0 0 rg BT 495.80 656.70 Td (the ) Tj ET Q q 0 0 0 rg BT 513.09 656.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.04 656.70 Td (year) Tj ET Q q 0 0 0 rg BT 559.02 656.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 642.30 Td (The ) Tj ET Q q 0 0 0 rg BT 72.16 642.30 Td (current ) Tj ET Q q 0 0 0 rg BT 109.63 642.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 147.11 642.30 Td (included ) Tj ET Q q 0 0 0 rg BT 191.93 642.30 Td (approximately ) Tj ET Q q 0 0 0 rg BT 264.74 642.30 Td ($9.2 ) Tj ET Q q 0 0 0 rg BT 289.24 642.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 324.08 642.30 Td (of ) Tj ET Q q 0 0 0 rg BT 337.57 642.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 364.39 642.30 Td (expense, ) Tj ET Q q 0 0 0 rg BT 409.54 642.30 Td (including ) Tj ET Q q 0 0 0 rg BT 458.37 642.30 Td (reserves ) Tj ET Q q 0 0 0 rg BT 501.18 642.30 Td (for ) Tj ET Q q 0 0 0 rg BT 518.67 642.30 Td (litigation ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 627.90 Td (and ) Tj ET Q q 0 0 0 rg BT 70.17 627.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 122.33 627.90 Td (proceedings, ) Tj ET Q q 0 0 0 rg BT 186.15 627.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 236.30 627.90 Td (with ) Tj ET Q q 0 0 0 rg BT 260.48 627.90 Td ($684 ) Tj ET Q q 0 0 0 rg BT 287.32 627.90 Td (million ) Tj ET Q q 0 0 0 rg BT 324.83 627.90 Td (of ) Tj ET Q q 0 0 0 rg BT 337.67 627.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 379.16 627.90 Td (for ) Tj ET Q q 0 0 0 rg BT 396.00 627.90 Td (additional ) Tj ET Q q 0 0 0 rg BT 446.83 627.90 Td (litigation ) Tj ET Q q 0 0 0 rg BT 493.00 627.90 Td (reserves ) Tj ET Q q 0 0 0 rg BT 535.16 627.90 Td (in ) Tj ET Q q 0 0 0 rg BT 547.33 627.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 613.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.33 613.50 Td (year) Tj ET Q q 0 0 0 rg BT 96.31 613.50 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 575.70 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 194.02 581.14 Td (\(*\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 565.2 m 50.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 565.2 m 231.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 565.2 m 231.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 565.2 m 276.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 565.2 m 280.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 565.2 m 280.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 565.2 m 325.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 565.2 m 329.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 565.2 m 329.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 565.2 m 374.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 565.2 m 378.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 565.2 m 378.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 565.2 m 423.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 550.2 m 423.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 565.2 m 468.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 550.2 m 468.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 565.2 m 472.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 550.2 m 472.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 565.2 m 472.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 565.2 m 517.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 550.2 m 517.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 565.2 m 562.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 565.2 m 562.5 565.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 550.2 m 562.5 550.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 550.2 m 50.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 535.2 m 231.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 550.2 m 231.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 535.2 m 276.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 535.2 m 280.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 550.2 m 280.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 535.2 m 325.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 535.2 m 329.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 550.2 m 329.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 535.2 m 374.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 535.2 m 378.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 550.2 m 378.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 535.2 m 423.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 550.2 m 423.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 535.2 m 468.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 535.2 m 472.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 550.2 m 472.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 535.2 m 517.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 550.2 m 517.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 550.2 m 562.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 535.2 m 562.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 535.2 m 50.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 520.2 m 231.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 535.2 m 231.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 535.2 m 276.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 520.2 m 276.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 520.2 m 280.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 535.2 m 280.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 535.2 m 325.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 520.2 m 325.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 520.2 m 329.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 535.2 m 329.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 535.2 m 374.5 535.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 520.2 m 374.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 520.2 m 378.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 535.2 m 378.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 520.2 m 423.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 535.2 m 423.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 520.2 m 472.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 535.2 m 472.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 520.2 m 517.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 535.2 m 517.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 535.2 m 562.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 520.2 m 562.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 520.2 m 50.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 505.2 m 231.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 520.2 m 231.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 520.2 m 276.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 505.2 m 276.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 505.2 m 280.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 520.2 m 280.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 520.2 m 325.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 505.2 m 325.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 505.2 m 329.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 520.2 m 329.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 520.2 m 374.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 505.2 m 374.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 505.2 m 378.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 520.2 m 378.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 505.2 m 423.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 520.2 m 423.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 520.2 m 468.5 520.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 505.2 m 468.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 505.2 m 472.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 520.2 m 472.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 505.2 m 517.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 520.2 m 517.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 520.2 m 562.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 505.2 m 562.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 505.2 m 50.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 490.2 m 231.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 505.2 m 231.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 505.2 m 276.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 490.2 m 276.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 490.2 m 280.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 505.2 m 280.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 505.2 m 325.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 490.2 m 325.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 490.2 m 329.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 505.2 m 329.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 505.2 m 374.5 505.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 490.2 m 374.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 490.2 m 378.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 505.2 m 378.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 490.2 m 423.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 505.2 m 423.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 490.2 m 468.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 490.2 m 472.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 505.2 m 472.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 490.2 m 517.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 505.2 m 517.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 505.2 m 562.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 490.2 m 562.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 490.2 m 50.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 475.2 m 231.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 490.2 m 231.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 490.2 m 276.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 475.2 m 276.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 475.2 m 280.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 490.2 m 280.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 490.2 m 325.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 475.2 m 325.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 475.2 m 329.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 490.2 m 329.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 490.2 m 374.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 475.2 m 374.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 475.2 m 378.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 490.2 m 378.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 475.2 m 423.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 490.2 m 423.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 490.2 m 468.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 475.2 m 468.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 475.2 m 472.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 490.2 m 472.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 490.2 m 517.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 490.2 m 517.5 490.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 475.2 m 517.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 490.2 m 517.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 490.2 m 562.5 475.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 475.2 m 562.5 475.2 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 555.07 Td (Results for JPM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 555.07 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 555.07 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 540.07 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 540.07 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 540.07 Td (2Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 540.07 Td (3Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 540.07 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 540.07 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 540.07 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 540.07 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 525.07 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 525.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 525.07 Td (23,880) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 525.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 291.00 525.07 Td (25,958) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 525.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 340.00 525.07 Td (25,863) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 525.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 390.85 525.07 Td (\(2,078) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 525.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 445.95 525.07 Td (\(8) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 525.07 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 525.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 525.07 Td (\(1,983) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 525.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 525.07 Td (\(8) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 525.07 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 510.07 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 252.10 510.07 Td (\(543) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 510.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 310.25 510.07 Td (47) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 510.07 Td (1,789) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 510.07 Td (\(590) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 510.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 510.07 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 510.07 Td (\(2,332) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 510.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 510.07 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 495.07 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 495.07 Td (23,626) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 291.00 495.07 Td (15,866) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 340.00 495.07 Td (15,371) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 394.50 495.07 Td (7,760) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 444.15 495.07 Td (49) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 488.50 495.07 Td (8,255) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 538.15 495.07 Td (54) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 480.07 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 480.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 252.10 480.07 Td (\(380) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 480.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 480.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 480.07 Td (6,496) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 480.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 480.07 Td (5,708) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 480.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 390.85 480.07 Td (\(6,876) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 480.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 480.07 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 480.07 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 480.07 Td (\(6,088) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 480.07 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 480.07 Td (NM) Tj ET Q BT /F2 10.00 Tf ET BT /F2 8.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (\(*\) Presented on a managed basis. See notes on page 13 for further explanation of managed basis. Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 458.48 466.10 Td ( basis totaled ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.25 466.10 Td ($23,1) Tj ET Q q 0 0 0 rg BT 519.95 466.10 Td (17 million) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 553.06 466.10 Td (, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 59.00 456.50 Td ($25,21) Tj ET Q q 0 0 0 rg BT 80.70 456.50 Td (1 million) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 109.82 456.50 Td (, and ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 127.37 456.50 Td ($25,146 million) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 178.48 456.50 Td ( for the third quarter of 2013, second quarter of 2013, and third quarter of 2012, respectively) Tj ET Q q 0 0 0 rg BT 473.64 456.50 Td (. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 427.70 Td (Discussion of Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 413.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.73 413.30 Td (income ) Tj ET Q q 0 0 0 rg BT 109.45 413.30 Td (was ) Tj ET Q q 0 0 0 rg BT 131.52 413.30 Td (a ) Tj ET Q q 0 0 0 rg BT 140.25 413.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 162.32 413.30 Td (of ) Tj ET Q q 0 0 0 rg BT 175.72 413.30 Td (approximately ) Tj ET Q q 0 0 0 rg BT 248.44 413.30 Td ($0.4 ) Tj ET Q q 0 0 0 rg BT 272.84 413.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 310.58 413.30 Td (down ) Tj ET Q q 0 0 0 rg BT 340.65 413.30 Td ($6.1 ) Tj ET Q q 0 0 0 rg BT 365.05 413.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 399.79 413.30 Td (from ) Tj ET Q q 0 0 0 rg BT 426.52 413.30 Td (the ) Tj ET Q q 0 0 0 rg BT 444.58 413.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 471.31 413.30 Td (year) Tj ET Q q 0 0 0 rg BT 491.48 413.30 Td (, ) Tj ET Q q 0 0 0 rg BT 497.88 413.30 Td (due ) Tj ET Q q 0 0 0 rg BT 518.61 413.30 Td (to ) Tj ET Q q 0 0 0 rg BT 531.34 413.30 Td (higher ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 398.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 106.32 398.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 147.97 398.90 Td (and ) Tj ET Q q 0 0 0 rg BT 168.29 398.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 198.62 398.90 Td (net ) Tj ET Q q 0 0 0 rg BT 216.28 398.90 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 260.25 398.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 303.24 398.90 Td (of) Tj ET Q q 0 0 0 rg BT 313.02 398.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 333.34 398.90 Td (by ) Tj ET Q q 0 0 0 rg BT 348.34 398.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 378.66 398.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 427.00 398.90 Td (for ) Tj ET Q q 0 0 0 rg BT 443.99 398.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 474.31 398.90 Td (losses.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 372.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.96 372.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.57 372.50 Td (was ) Tj ET Q q 0 0 0 rg BT 131.86 372.50 Td ($23.9 ) Tj ET Q q 0 0 0 rg BT 161.50 372.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 198.47 372.50 Td (down ) Tj ET Q q 0 0 0 rg BT 227.77 372.50 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 251.40 372.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 288.37 372.50 Td (or ) Tj ET Q q 0 0 0 rg BT 301.00 372.50 Td (8%, ) Tj ET Q q 0 0 0 rg BT 322.63 372.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 372.57 372.50 Td (with ) Tj ET Q q 0 0 0 rg BT 396.54 372.50 Td (the ) Tj ET Q q 0 0 0 rg BT 413.83 372.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.79 372.50 Td (year) Tj ET Q q 0 0 0 rg BT 459.78 372.50 Td (. ) Tj ET Q q 0 0 0 rg BT 465.42 372.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.04 372.50 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (was ) Tj ET Q q 0 0 0 rg BT 72.47 358.10 Td ($12.9 ) Tj ET Q q 0 0 0 rg BT 103.27 358.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 141.42 358.10 Td (down ) Tj ET Q q 0 0 0 rg BT 171.89 358.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 196.69 358.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 234.83 358.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.64 358.10 Td (12%, ) Tj ET Q q 0 0 0 rg BT 277.44 358.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 328.55 358.10 Td (with ) Tj ET Q q 0 0 0 rg BT 353.69 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.16 358.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 399.29 358.10 Td (year) Tj ET Q q 0 0 0 rg BT 419.28 358.10 Td (. ) Tj ET Q q 0 0 0 rg BT 425.81 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 448.27 358.10 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 524.03 358.10 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 343.70 Td (included ) Tj ET Q q 0 0 0 rg BT 95.14 343.70 Td (a ) Tj ET Q q 0 0 0 rg BT 104.29 343.70 Td ($397 ) Tj ET Q q 0 0 0 rg BT 132.11 343.70 Td (million ) Tj ET Q q 0 0 0 rg BT 170.60 343.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 193.10 343.70 Td (from ) Tj ET Q q 0 0 0 rg BT 220.25 343.70 Td (DV) Tj ET Q q 0 0 0 rg BT 236.03 343.70 Td (A) Tj ET Q q 0 0 0 rg BT 244.04 343.70 Td ( ) Tj ET Q q 0 0 0 rg BT 247.86 343.70 Td (on ) Tj ET Q q 0 0 0 rg BT 263.68 343.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 300.14 343.70 Td (structured ) Tj ET Q q 0 0 0 rg BT 351.95 343.70 Td (notes ) Tj ET Q q 0 0 0 rg BT 381.10 343.70 Td (and ) Tj ET Q q 0 0 0 rg BT 402.25 343.70 Td (derivative ) Tj ET Q q 0 0 0 rg BT 454.05 343.70 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 505.53 343.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.68 343.70 Td (interest ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 329.30 Td (income ) Tj ET Q q 0 0 0 rg BT 88.07 329.30 Td (was ) Tj ET Q q 0 0 0 rg BT 109.48 329.30 Td ($1) Tj ET Q q 0 0 0 rg BT 121.03 329.30 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 138.78 329.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 175.87 329.30 Td (down ) Tj ET Q q 0 0 0 rg BT 205.28 329.30 Td ($220 ) Tj ET Q q 0 0 0 rg BT 232.03 329.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 272.45 329.30 Td (or ) Tj ET Q q 0 0 0 rg BT 285.19 329.30 Td (2%, ) Tj ET Q q 0 0 0 rg BT 306.93 329.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 356.99 329.30 Td (with ) Tj ET Q q 0 0 0 rg BT 381.07 329.30 Td (the ) Tj ET Q q 0 0 0 rg BT 398.48 329.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 424.55 329.30 Td (year) Tj ET Q q 0 0 0 rg BT 444.72 329.30 Td (, ) Tj ET Q q 0 0 0 rg BT 450.47 329.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 499.19 329.30 Td (the ) Tj ET Q q 0 0 0 rg BT 516.60 329.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 552.00 329.30 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 314.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 79.87 314.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 103.07 314.90 Td (yields ) Tj ET Q q 0 0 0 rg BT 134.28 314.90 Td (due ) Tj ET Q q 0 0 0 rg BT 154.14 314.90 Td (to ) Tj ET Q q 0 0 0 rg BT 166.02 314.90 Td (competitive ) Tj ET Q q 0 0 0 rg BT 225.21 314.90 Td (pressures ) Tj ET Q q 0 0 0 rg BT 272.41 314.90 Td (and ) Tj ET Q q 0 0 0 rg BT 292.28 314.90 Td (replacement ) Tj ET Q q 0 0 0 rg BT 353.45 314.90 Td (of ) Tj ET Q q 0 0 0 rg BT 365.99 314.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 399.19 314.90 Td (yielding ) Tj ET Q q 0 0 0 rg BT 441.06 314.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 468.93 314.90 Td (with ) Tj ET Q q 0 0 0 rg BT 492.81 314.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 522.68 314.90 Td (yielding ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 300.50 Td (loans, ) Tj ET Q q 0 0 0 rg BT 80.71 300.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 123.08 300.50 Td (of) Tj ET Q q 0 0 0 rg BT 132.85 300.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 152.56 300.50 Td (by ) Tj ET Q q 0 0 0 rg BT 166.94 300.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 199.98 300.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 255.02 300.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 302.71 300.50 Td (yield ) Tj ET Q q 0 0 0 rg BT 329.09 300.50 Td (and ) Tj ET Q q 0 0 0 rg BT 348.79 300.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 378.50 300.50 Td (net ) Tj ET Q q 0 0 0 rg BT 395.54 300.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 433.24 300.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 474.27 300.50 Td (on ) Tj ET Q q 0 0 0 rg BT 488.65 300.50 Td (long-term ) Tj ET Q q 0 0 0 rg BT 538.35 300.50 Td (debt.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.42 274.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.52 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 136.28 274.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.36 274.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.80 274.10 Td (was ) Tj ET Q q 0 0 0 rg BT 219.22 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 227.32 274.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 263.40 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 276.16 274.10 Td ($543 ) Tj ET Q q 0 0 0 rg BT 302.93 274.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 343.36 274.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 393.44 274.10 Td (with ) Tj ET Q q 0 0 0 rg BT 417.54 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 425.63 274.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 473.73 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 490.48 274.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 520.57 274.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.00 274.10 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 259.70 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 74.26 259.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 108.85 259.70 Td (in ) Tj ET Q q 0 0 0 rg BT 121.45 259.70 Td (the ) Tj ET Q q 0 0 0 rg BT 139.37 259.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 165.95 259.70 Td (year) Tj ET Q q 0 0 0 rg BT 185.94 259.70 Td (. ) Tj ET Q q 0 0 0 rg BT 191.96 259.70 Td (The ) Tj ET Q q 0 0 0 rg BT 213.88 259.70 Td (total ) Tj ET Q q 0 0 0 rg BT 238.47 259.70 Td (consumer ) Tj ET Q q 0 0 0 rg BT 288.38 259.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 336.97 259.70 Td (for ) Tj ET Q q 0 0 0 rg BT 354.22 259.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 384.80 259.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 416.73 259.70 Td (was ) Tj ET Q q 0 0 0 rg BT 438.65 259.70 Td (a ) Tj ET Q q 0 0 0 rg BT 447.23 259.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 483.81 259.70 Td (of ) Tj ET Q q 0 0 0 rg BT 497.06 259.70 Td ($273 ) Tj ET Q q 0 0 0 rg BT 524.32 259.70 Td (million, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 245.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.86 245.30 Td (with ) Tj ET Q q 0 0 0 rg BT 125.74 245.30 Td (an ) Tj ET Q q 0 0 0 rg BT 140.61 245.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 182.81 245.30 Td (of ) Tj ET Q q 0 0 0 rg BT 196.35 245.30 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 220.90 245.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 255.78 245.30 Td (in ) Tj ET Q q 0 0 0 rg BT 268.67 245.30 Td (the ) Tj ET Q q 0 0 0 rg BT 286.87 245.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 313.75 245.30 Td (year) Tj ET Q q 0 0 0 rg BT 333.73 245.30 Td (. ) Tj ET Q q 0 0 0 rg BT 340.03 245.30 Td (The ) Tj ET Q q 0 0 0 rg BT 362.23 245.30 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 437.73 245.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 486.61 245.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 532.13 245.30 Td (a ) Tj ET Q q 0 0 0 rg BT 541.00 245.30 Td ($1.6 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 230.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 84.59 230.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 133.16 230.90 Td (in ) Tj ET Q q 0 0 0 rg BT 145.75 230.90 Td (the ) Tj ET Q q 0 0 0 rg BT 163.67 230.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 215.56 230.90 Td (for ) Tj ET Q q 0 0 0 rg BT 232.81 230.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 256.72 230.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 288.65 230.90 Td (due ) Tj ET Q q 0 0 0 rg BT 309.23 230.90 Td (to ) Tj ET Q q 0 0 0 rg BT 321.82 230.90 Td (favorable ) Tj ET Q q 0 0 0 rg BT 370.38 230.90 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 432.28 230.90 Td (trends ) Tj ET Q q 0 0 0 rg BT 464.86 230.90 Td (and ) Tj ET Q q 0 0 0 rg BT 485.44 230.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 516.02 230.90 Td (estimated ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 216.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 80.91 216.50 Td (in ) Tj ET Q q 0 0 0 rg BT 92.48 216.50 Td (the ) Tj ET Q q 0 0 0 rg BT 109.38 216.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 156.94 216.50 Td (and ) Tj ET Q q 0 0 0 rg BT 176.51 216.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 206.06 216.50 Td (card ) Tj ET Q q 0 0 0 rg BT 228.95 216.50 Td (portfolios. ) Tj ET Q q 0 0 0 rg BT 280.85 216.50 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 332.42 216.50 Td (net ) Tj ET Q q 0 0 0 rg BT 349.32 216.50 Td (char) Tj ET Q q 0 0 0 rg BT 369.75 216.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 394.86 216.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 405.76 216.50 Td (were ) Tj ET Q q 0 0 0 rg BT 431.32 216.50 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 454.56 216.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 491.13 216.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.68 216.50 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 74.12 202.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 108.57 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 121.02 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.80 202.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 165.24 202.10 Td (year) Tj ET Q q 0 0 0 rg BT 185.41 202.10 Td (, ) Tj ET Q q 0 0 0 rg BT 191.53 202.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 236.64 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.09 202.10 Td (net ) Tj ET Q q 0 0 0 rg BT 266.87 202.10 Td (char) Tj ET Q q 0 0 0 rg BT 287.30 202.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 312.40 202.10 Td (f ) Tj ET Q q 0 0 0 rg BT 319.51 202.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 345.28 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.40 202.10 Td (1.47% ) Tj ET Q q 0 0 0 rg BT 392.51 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.95 202.10 Td (3.10%, ) Tj ET Q q 0 0 0 rg BT 450.07 202.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 507.26 202.10 Td (. ) Tj ET Q q 0 0 0 rg BT 513.15 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 534.93 202.10 Td (prior) Tj ET Q q 0 0 0 rg BT 558.01 202.10 Td (-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 187.70 Td (year ) Tj ET Q q 0 0 0 rg BT 74.94 187.70 Td (total ) Tj ET Q q 0 0 0 rg BT 100.55 187.70 Td (net ) Tj ET Q q 0 0 0 rg BT 119.50 187.70 Td (char) Tj ET Q q 0 0 0 rg BT 139.93 187.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 165.03 187.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 177.99 187.70 Td (included ) Tj ET Q q 0 0 0 rg BT 223.59 187.70 Td ($880 ) Tj ET Q q 0 0 0 rg BT 251.88 187.70 Td (million ) Tj ET Q q 0 0 0 rg BT 290.84 187.70 Td (of ) Tj ET Q q 0 0 0 rg BT 305.12 187.70 Td (incremental ) Tj ET Q q 0 0 0 rg BT 366.05 187.70 Td (char) Tj ET Q q 0 0 0 rg BT 386.48 187.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 411.58 187.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 424.53 187.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 468.80 187.70 Td (in ) Tj ET Q q 0 0 0 rg BT 482.42 187.70 Td (accordance ) Tj ET Q q 0 0 0 rg BT 540.66 187.70 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 173.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 102.73 173.30 Td (guidance ) Tj ET Q q 0 0 0 rg BT 149.46 173.30 Td (on ) Tj ET Q q 0 0 0 rg BT 164.87 173.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 200.93 173.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 229.68 173.30 Td (dischar) Tj ET Q q 0 0 0 rg BT 264.11 173.30 Td (ged ) Tj ET Q q 0 0 0 rg BT 284.86 173.30 Td (under ) Tj ET Q q 0 0 0 rg BT 315.59 173.30 Td (Chapter ) Tj ET Q q 0 0 0 rg BT 357.00 173.30 Td (7 ) Tj ET Q q 0 0 0 rg BT 366.41 173.30 Td (bankruptcy) Tj ET Q q 0 0 0 rg BT 419.62 173.30 Td (. ) Tj ET Q q 0 0 0 rg BT 425.78 173.30 Td (The ) Tj ET Q q 0 0 0 rg BT 447.86 173.30 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 499.25 173.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 548.00 173.30 Td (for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 158.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 79.23 158.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 109.81 158.90 Td (was ) Tj ET Q q 0 0 0 rg BT 130.38 158.90 Td (a ) Tj ET Q q 0 0 0 rg BT 137.62 158.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 172.84 158.90 Td (of ) Tj ET Q q 0 0 0 rg BT 184.75 158.90 Td ($270 ) Tj ET Q q 0 0 0 rg BT 210.66 158.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 250.24 158.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 299.46 158.90 Td (with ) Tj ET Q q 0 0 0 rg BT 322.70 158.90 Td (a ) Tj ET Q q 0 0 0 rg BT 329.94 158.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 365.16 158.90 Td (of ) Tj ET Q q 0 0 0 rg BT 377.07 158.90 Td ($63 ) Tj ET Q q 0 0 0 rg BT 396.98 158.90 Td (million ) Tj ET Q q 0 0 0 rg BT 433.56 158.90 Td (in ) Tj ET Q q 0 0 0 rg BT 444.80 158.90 Td (the ) Tj ET Q q 0 0 0 rg BT 461.38 158.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.61 158.90 Td (year) Tj ET Q q 0 0 0 rg BT 506.60 158.90 Td (. ) Tj ET Q q 0 0 0 rg BT 511.37 158.90 Td (Wholesale ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 144.50 Td (net ) Tj ET Q q 0 0 0 rg BT 67.43 144.50 Td (char) Tj ET Q q 0 0 0 rg BT 87.86 144.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 112.96 144.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 124.40 144.50 Td (were ) Tj ET Q q 0 0 0 rg BT 150.48 144.50 Td ($26 ) Tj ET Q q 0 0 0 rg BT 171.25 144.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 211.69 144.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 261.76 144.50 Td (with ) Tj ET Q q 0 0 0 rg BT 285.87 144.50 Td (net ) Tj ET Q q 0 0 0 rg BT 303.29 144.50 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 355.36 144.50 Td (of ) Tj ET Q q 0 0 0 rg BT 368.13 144.50 Td ($34 ) Tj ET Q q 0 0 0 rg BT 388.90 144.50 Td (million ) Tj ET Q q 0 0 0 rg BT 426.34 144.50 Td (in ) Tj ET Q q 0 0 0 rg BT 438.44 144.50 Td (the ) Tj ET Q q 0 0 0 rg BT 455.87 144.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.96 144.50 Td (year) Tj ET Q q 0 0 0 rg BT 502.13 144.50 Td (, ) Tj ET Q q 0 0 0 rg BT 507.90 144.50 Td (resulting ) Tj ET Q q 0 0 0 rg BT 552.66 144.50 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 58.05 130.10 Td (net ) Tj ET Q q 0 0 0 rg BT 75.43 130.10 Td (char) Tj ET Q q 0 0 0 rg BT 95.86 130.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 120.96 130.10 Td (f ) Tj ET Q q 0 0 0 rg BT 127.68 130.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 148.38 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.10 130.10 Td (0.03% ) Tj ET Q q 0 0 0 rg BT 194.81 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 214.86 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 222.90 130.10 Td (net ) Tj ET Q q 0 0 0 rg BT 240.28 130.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 284.98 130.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 305.68 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 318.39 130.10 Td (0.05%, ) Tj ET Q q 0 0 0 rg BT 355.11 130.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 412.30 130.10 Td (. ) Tj ET Q q 0 0 0 rg BT 417.83 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 439.20 130.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 465.88 130.10 Td (s ) Tj ET Q q 0 0 0 rg BT 473.27 130.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 524.63 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 541.34 130.10 Td (loan ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 115.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 84.13 115.70 Td (to ) Tj ET Q q 0 0 0 rg BT 98.93 115.70 Td (period-end ) Tj ET Q q 0 0 0 rg BT 156.37 115.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 187.16 115.70 Td (retained) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 225.80 121.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 229.70 115.70 Td ( ) Tj ET Q q 0 0 0 rg BT 235.17 115.70 Td (was ) Tj ET Q q 0 0 0 rg BT 259.29 115.70 Td (1.89%, ) Tj ET Q q 0 0 0 rg BT 298.75 115.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 351.52 115.70 Td (with ) Tj ET Q q 0 0 0 rg BT 378.32 115.70 Td (2.61% ) Tj ET Q q 0 0 0 rg BT 414.78 115.70 Td (in ) Tj ET Q q 0 0 0 rg BT 429.57 115.70 Td (the ) Tj ET Q q 0 0 0 rg BT 449.69 115.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 478.48 115.70 Td (year) Tj ET Q q 0 0 0 rg BT 498.47 115.70 Td (. ) Tj ET Q q 0 0 0 rg BT 506.54 115.70 Td (The ) Tj ET Q q 0 0 0 rg BT 530.66 115.70 Td (Firm? Tj ET Q q 0 0 0 rg BT 557.33 115.70 Td (s ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 101.30 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 124.19 101.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 154.40 101.30 Td (totaled ) Tj ET Q q 0 0 0 rg BT 189.26 101.30 Td ($10.2 ) Tj ET Q q 0 0 0 rg BT 218.47 101.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 255.02 101.30 Td (down ) Tj ET Q q 0 0 0 rg BT 283.90 101.30 Td (from ) Tj ET Q q 0 0 0 rg BT 309.43 101.30 Td (the ) Tj ET Q q 0 0 0 rg BT 326.30 101.30 Td (prior) Tj ET Q q 0 0 0 rg BT 349.39 101.30 Td (-quarter ) Tj ET Q q 0 0 0 rg BT 389.58 101.30 Td (and ) Tj ET Q q 0 0 0 rg BT 409.11 101.30 Td (prior) Tj ET Q q 0 0 0 rg BT 432.20 101.30 Td (-year ) Tj ET Q q 0 0 0 rg BT 459.05 101.30 Td (levels ) Tj ET Q q 0 0 0 rg BT 489.25 101.30 Td (of ) Tj ET Q q 0 0 0 rg BT 501.46 101.30 Td ($10.9 ) Tj ET Q q 0 0 0 rg BT 530.67 101.30 Td (billion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 86.90 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 86.90 Td ($12.5 ) Tj ET Q q 0 0 0 rg BT 100.33 86.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 137.66 86.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 194.86 86.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 60.50 Td (Noninterest expense was $23.6 billion, up $8.3 billion, or 54%, compared with the prior year) Tj ET Q q 0 0 0 rg BT 495.76 60.50 Td (, driven by ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (higher litigation reserves. ) Tj ET Q q 0 0 0 rg BT 175.08 46.10 Td (The current quarter included approximately $9.3 billion of legal expense, ) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (including reserves for litigation and regulatory proceedings, compared with $790 million of expense for ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (additional litigation reserves in the prior year) Tj ET Q q 0 0 0 rg BT 265.94 726.30 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 697.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 697.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 697.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 697.50 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 688.54 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 688.54 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 688.54 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 688.54 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 688.54 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 688.54 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 688.54 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 688.54 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 688.54 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 688.54 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 666.11 cm /I64 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 668.70 Td (Basel ) Tj ET Q q 0 0 0 rg BT 133.66 668.70 Td (I ) Tj ET Q q 0 0 0 rg BT 140.44 668.70 Td (T) Tj ET Q q 0 0 0 rg BT 147.35 668.70 Td (ier ) Tj ET Q q 0 0 0 rg BT 163.00 668.70 Td (1 ) Tj ET Q q 0 0 0 rg BT 172.00 668.70 Td (common ) Tj ET Q q 0 0 0 rg BT 217.00 668.70 Td (ratio) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 238.99 674.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 242.89 668.70 Td ( ) Tj ET Q q 0 0 0 rg BT 245.89 668.70 Td (was ) Tj ET Q q 0 0 0 rg BT 267.55 668.70 Td (10.5%) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 651.71 cm /I65 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 654.30 Td (Headcount ) Tj ET Q q 0 0 0 rg BT 158.98 654.30 Td (was ) Tj ET Q q 0 0 0 rg BT 180.64 654.30 Td (255,041, ) Tj ET Q q 0 0 0 rg BT 225.64 654.30 Td (a ) Tj ET Q q 0 0 0 rg BT 233.97 654.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 278.26 654.30 Td (of ) Tj ET Q q 0 0 0 rg BT 291.26 654.30 Td (4,103, ) Tj ET Q q 0 0 0 rg BT 324.26 654.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.57 654.30 Td (with ) Tj ET Q q 0 0 0 rg BT 398.90 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 416.56 654.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.89 654.30 Td (year) Tj ET Q q 0 0 0 rg BT 462.88 654.30 Td (.) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (1. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 68.00 741.60 Td (Notes ) Tj ET Q q 0 0 0 rg BT 97.02 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 111.39 741.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 163.34 741.60 Td ( ) Tj ET Q q 0 0 0 rg BT 166.09 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 209.79 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 244.42 741.60 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (The ) Tj ET Q q 0 0 0 rg BT 86.37 717.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 108.64 717.60 Td (presents ) Tj ET Q q 0 0 0 rg BT 144.23 717.60 Td (net ) Tj ET Q q 0 0 0 rg BT 159.27 717.60 Td (income ) Tj ET Q q 0 0 0 rg BT 191.53 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 208.79 717.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 245.49 717.60 Td (per ) Tj ET Q q 0 0 0 rg BT 261.08 717.60 Td (share ) Tj ET Q q 0 0 0 rg BT 285.00 717.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 327.25 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 342.29 717.60 Td (aftertax ) Tj ET Q q 0 0 0 rg BT 375.65 717.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 405.68 717.60 Td (of ) Tj ET Q q 0 0 0 rg BT 416.83 717.60 Td (reductions ) Tj ET Q q 0 0 0 rg BT 461.31 717.60 Td (in ) Tj ET Q q 0 0 0 rg BT 471.91 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 486.95 717.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 530.30 717.60 Td (for ) Tj ET Q q 0 0 0 rg BT 544.79 717.60 Td (loan ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 94.70 705.60 Td (and ) Tj ET Q q 0 0 0 rg BT 111.94 705.60 Td (litigation ) Tj ET Q q 0 0 0 rg BT 150.85 705.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 185.87 705.60 Td (in ) Tj ET Q q 0 0 0 rg BT 196.45 705.60 Td (Corporate. ) Tj ET Q q 0 0 0 rg BT 241.54 705.60 Td (These ) Tj ET Q q 0 0 0 rg BT 268.22 705.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 308.23 705.60 Td (should ) Tj ET Q q 0 0 0 rg BT 337.71 705.60 Td (be ) Tj ET Q q 0 0 0 rg BT 349.95 705.60 Td (viewed ) Tj ET Q q 0 0 0 rg BT 381.63 705.60 Td (in ) Tj ET Q q 0 0 0 rg BT 392.22 705.60 Td (addition ) Tj ET Q q 0 0 0 rg BT 427.79 705.60 Td (to, ) Tj ET Q q 0 0 0 rg BT 440.88 705.60 Td (and ) Tj ET Q q 0 0 0 rg BT 458.12 705.60 Td (not ) Tj ET Q q 0 0 0 rg BT 473.71 705.60 Td (as ) Tj ET Q q 0 0 0 rg BT 484.84 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 492.08 705.60 Td (substitute ) Tj ET Q q 0 0 0 rg BT 533.22 705.60 Td (for) Tj ET Q q 0 0 0 rg BT 544.48 705.60 Td (, ) Tj ET Q q 0 0 0 rg BT 549.79 705.60 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 693.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 90.23 693.60 Td (s ) Tj ET Q q 0 0 0 rg BT 95.97 693.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 131.13 693.60 Td (results. ) Tj ET Q q 0 0 0 rg BT 161.59 693.60 Td (Management ) Tj ET Q q 0 0 0 rg BT 215.64 693.60 Td (believes ) Tj ET Q q 0 0 0 rg BT 250.26 693.60 Td (this ) Tj ET Q q 0 0 0 rg BT 266.55 693.60 Td (information ) Tj ET Q q 0 0 0 rg BT 315.62 693.60 Td (helps ) Tj ET Q q 0 0 0 rg BT 338.57 693.60 Td (investors ) Tj ET Q q 0 0 0 rg BT 376.53 693.60 Td (understand ) Tj ET Q q 0 0 0 rg BT 422.26 693.60 Td (the ) Tj ET Q q 0 0 0 rg BT 436.32 693.60 Td (ef) Tj ET Q q 0 0 0 rg BT 443.91 693.60 Td (fect ) Tj ET Q q 0 0 0 rg BT 460.75 693.60 Td (of ) Tj ET Q q 0 0 0 rg BT 470.93 693.60 Td (these ) Tj ET Q q 0 0 0 rg BT 493.32 693.60 Td (items ) Tj ET Q q 0 0 0 rg BT 516.84 693.60 Td (on ) Tj ET Q q 0 0 0 rg BT 528.69 693.60 Td (reported ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (results ) Tj ET Q q 0 0 0 rg BT 96.04 681.60 Td (and ) Tj ET Q q 0 0 0 rg BT 112.41 681.60 Td (provides ) Tj ET Q q 0 0 0 rg BT 148.78 681.60 Td (an ) Tj ET Q q 0 0 0 rg BT 160.14 681.60 Td (alternate ) Tj ET Q q 0 0 0 rg BT 196.49 681.60 Td (presentation ) Tj ET Q q 0 0 0 rg BT 247.30 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 257.56 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 271.70 681.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 298.77 681.60 Td (performance. ) Tj ET Q q 0 0 0 rg BT 353.59 681.60 Td (The ) Tj ET Q q 0 0 0 rg BT 371.06 681.60 Td (table ) Tj ET Q q 0 0 0 rg BT 392.43 681.60 Td (below ) Tj ET Q q 0 0 0 rg BT 418.80 681.60 Td (provides ) Tj ET Q q 0 0 0 rg BT 455.17 681.60 Td (a ) Tj ET Q q 0 0 0 rg BT 461.53 681.60 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 518.44 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 528.70 681.60 Td (reported ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (results ) Tj ET Q q 0 0 0 rg BT 96.61 669.60 Td (to ) Tj ET Q q 0 0 0 rg BT 106.89 669.60 Td (these ) Tj ET Q q 0 0 0 rg BT 129.93 669.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 175.12 669.60 Td ( ) Tj ET Q q 0 0 0 rg BT 177.62 669.60 Td (measures.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.5 626.1 m 300.5 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 626.1 m 390.5 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 626.1 m 480.5 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.5 566.1 m 300.5 566.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 566.1 m 390.5 566.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 566.1 m 480.5 566.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 130.5 551.1 m 300.5 551.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 551.1 m 390.5 551.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 551.1 m 480.5 551.1 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.00 638.35 Td (Three months ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.00 630.35 Td (September 30, 2013) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 352.10 630.35 Td (In millions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.80 630.35 Td (Per-share amounts) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.00 615.35 Td (Reported: Net income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.00 615.35 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.60 615.35 Td (\(380) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.30 615.35 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 393.00 615.35 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.60 615.35 Td (\(0.17) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.30 615.35 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.00 600.35 Td (Adjustments:) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 139.00 585.35 Td (Corporate litigation expense) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.30 585.35 Td (7,200) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.30 585.35 Td (1.85) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 139.00 570.35 Td (Reduction in allowance for loan losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.60 570.35 Td (\(992) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.30 570.35 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.60 570.35 Td (\(0.26) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.30 570.35 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.00 555.35 Td (As adjusted: Net income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.00 555.35 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.30 555.35 Td (5,828) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 393.00 555.35 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.30 555.35 Td (1.42) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 518.00 Td (b. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 518.00 Td (In ) Tj ET Q q 0 0 0 rg BT 79.01 518.00 Td (addition ) Tj ET Q q 0 0 0 rg BT 114.46 518.00 Td (to ) Tj ET Q q 0 0 0 rg BT 124.92 518.00 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 166.47 518.00 Td (the ) Tj ET Q q 0 0 0 rg BT 181.36 518.00 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 209.18 518.00 Td (results ) Tj ET Q q 0 0 0 rg BT 237.97 518.00 Td (on ) Tj ET Q q 0 0 0 rg BT 250.65 518.00 Td (a ) Tj ET Q q 0 0 0 rg BT 257.76 518.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 293.76 518.00 Td (basis, ) Tj ET Q q 0 0 0 rg BT 318.94 518.00 Td (management ) Tj ET Q q 0 0 0 rg BT 372.70 518.00 Td (reviews ) Tj ET Q q 0 0 0 rg BT 406.48 518.00 Td (the ) Tj ET Q q 0 0 0 rg BT 421.37 518.00 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 449.19 518.00 Td (results ) Tj ET Q q 0 0 0 rg BT 477.98 518.00 Td (and ) Tj ET Q q 0 0 0 rg BT 495.10 518.00 Td (the ) Tj ET Q q 0 0 0 rg BT 509.99 518.00 Td (results ) Tj ET Q q 0 0 0 rg BT 538.78 518.00 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 518.00 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 506.00 Td (lines ) Tj ET Q q 0 0 0 rg BT 89.98 506.00 Td (of ) Tj ET Q q 0 0 0 rg BT 101.40 506.00 Td (business ) Tj ET Q q 0 0 0 rg BT 138.39 506.00 Td (on ) Tj ET Q q 0 0 0 rg BT 151.48 506.00 Td (a ) Tj ET Q q 0 0 0 rg BT 159.01 506.00 Td (managed?) Tj ET Q q 0 0 0 rg BT 207.08 506.00 Td (basis, ) Tj ET Q q 0 0 0 rg BT 232.67 506.00 Td (which ) Tj ET Q q 0 0 0 rg BT 260.20 506.00 Td (is ) Tj ET Q q 0 0 0 rg BT 269.97 506.00 Td (a ) Tj ET Q q 0 0 0 rg BT 277.50 506.00 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 322.68 506.00 Td ( ) Tj ET Q q 0 0 0 rg BT 325.78 506.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 363.85 506.00 Td (measure. ) Tj ET Q q 0 0 0 rg BT 402.53 506.00 Td (The ) Tj ET Q q 0 0 0 rg BT 421.17 506.00 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 449.41 506.00 Td (definition ) Tj ET Q q 0 0 0 rg BT 491.38 506.00 Td (of ) Tj ET Q q 0 0 0 rg BT 502.81 506.00 Td (managed ) Tj ET Q q 0 0 0 rg BT 542.00 506.00 Td (basis ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 494.00 Td (starts ) Tj ET Q q 0 0 0 rg BT 91.22 494.00 Td (with ) Tj ET Q q 0 0 0 rg BT 111.11 494.00 Td (the ) Tj ET Q q 0 0 0 rg BT 125.43 494.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 160.86 494.00 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 180.75 494.00 Td (GAAP) Tj ET Q q 0 0 0 rg BT 207.60 494.00 Td ( ) Tj ET Q q 0 0 0 rg BT 209.71 494.00 Td (results ) Tj ET Q q 0 0 0 rg BT 237.93 494.00 Td (and ) Tj ET Q q 0 0 0 rg BT 254.48 494.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 289.91 494.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 319.23 494.00 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 385.75 494.00 Td (to ) Tj ET Q q 0 0 0 rg BT 395.64 494.00 Td (present ) Tj ET Q q 0 0 0 rg BT 426.63 494.00 Td (total ) Tj ET Q q 0 0 0 rg BT 446.51 494.00 Td (net ) Tj ET Q q 0 0 0 rg BT 460.84 494.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 494.59 494.00 Td (for ) Tj ET Q q 0 0 0 rg BT 508.36 494.00 Td (the ) Tj ET Q q 0 0 0 rg BT 522.69 494.00 Td (Firm ) Tj ET Q q 0 0 0 rg BT 544.25 494.00 Td (\(and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 482.00 Td (each ) Tj ET Q q 0 0 0 rg BT 89.84 482.00 Td (of ) Tj ET Q q 0 0 0 rg BT 101.69 482.00 Td (the ) Tj ET Q q 0 0 0 rg BT 117.42 482.00 Td (business ) Tj ET Q q 0 0 0 rg BT 154.84 482.00 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 198.90 482.00 Td (on ) Tj ET Q q 0 0 0 rg BT 212.42 482.00 Td (a ) Tj ET Q q 0 0 0 rg BT 220.38 482.00 Td (fully ) Tj ET Q q 0 0 0 rg BT 242.79 482.00 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 320.16 482.00 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 357.00 482.00 Td (basis. ) Tj ET Q q 0 0 0 rg BT 382.24 482.00 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 431.58 482.00 Td (, ) Tj ET Q q 0 0 0 rg BT 437.60 482.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 472.77 482.00 Td (from ) Tj ET Q q 0 0 0 rg BT 495.72 482.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 547.02 482.00 Td (that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 470.00 Td (receive ) Tj ET Q q 0 0 0 rg BT 99.44 470.00 Td (tax ) Tj ET Q q 0 0 0 rg BT 114.24 470.00 Td (credits ) Tj ET Q q 0 0 0 rg BT 143.47 470.00 Td (and ) Tj ET Q q 0 0 0 rg BT 160.49 470.00 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 208.04 470.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 248.39 470.00 Td (is ) Tj ET Q q 0 0 0 rg BT 257.63 470.00 Td (presented ) Tj ET Q q 0 0 0 rg BT 298.53 470.00 Td (in ) Tj ET Q q 0 0 0 rg BT 308.88 470.00 Td (the ) Tj ET Q q 0 0 0 rg BT 323.68 470.00 Td (managed ) Tj ET Q q 0 0 0 rg BT 362.35 470.00 Td (results ) Tj ET Q q 0 0 0 rg BT 391.04 470.00 Td (on ) Tj ET Q q 0 0 0 rg BT 403.62 470.00 Td (a ) Tj ET Q q 0 0 0 rg BT 410.63 470.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 433.21 470.00 Td (comparable ) Tj ET Q q 0 0 0 rg BT 482.43 470.00 Td (to ) Tj ET Q q 0 0 0 rg BT 492.79 470.00 Td (taxable ) Tj ET Q q 0 0 0 rg BT 524.24 470.00 Td (securities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 458.00 Td (and ) Tj ET Q q 0 0 0 rg BT 84.73 458.00 Td (investments. ) Tj ET Q q 0 0 0 rg BT 137.13 458.00 Td (This ) Tj ET Q q 0 0 0 rg BT 157.20 458.00 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 202.39 458.00 Td ( ) Tj ET Q q 0 0 0 rg BT 204.68 458.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 241.95 458.00 Td (measure ) Tj ET Q q 0 0 0 rg BT 277.56 458.00 Td (allows ) Tj ET Q q 0 0 0 rg BT 305.96 458.00 Td (management ) Tj ET Q q 0 0 0 rg BT 359.34 458.00 Td (to ) Tj ET Q q 0 0 0 rg BT 369.41 458.00 Td (assess ) Tj ET Q q 0 0 0 rg BT 396.15 458.00 Td (the ) Tj ET Q q 0 0 0 rg BT 410.66 458.00 Td (comparability ) Tj ET Q q 0 0 0 rg BT 468.49 458.00 Td (of ) Tj ET Q q 0 0 0 rg BT 479.11 458.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 513.05 458.00 Td (arising ) Tj ET Q q 0 0 0 rg BT 542.56 458.00 Td (from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 446.00 Td (both ) Tj ET Q q 0 0 0 rg BT 88.60 446.00 Td (taxable ) Tj ET Q q 0 0 0 rg BT 120.30 446.00 Td (and ) Tj ET Q q 0 0 0 rg BT 137.57 446.00 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 185.37 446.00 Td (sources. ) Tj ET Q q 0 0 0 rg BT 220.49 446.00 Td (The ) Tj ET Q q 0 0 0 rg BT 238.86 446.00 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 298.89 446.00 Td (income ) Tj ET Q q 0 0 0 rg BT 331.15 446.00 Td (tax ) Tj ET Q q 0 0 0 rg BT 346.19 446.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 376.23 446.00 Td (related ) Tj ET Q q 0 0 0 rg BT 406.26 446.00 Td (to ) Tj ET Q q 0 0 0 rg BT 416.87 446.00 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 464.67 446.00 Td (items ) Tj ET Q q 0 0 0 rg BT 489.16 446.00 Td (is ) Tj ET Q q 0 0 0 rg BT 498.66 446.00 Td (recorded ) Tj ET Q q 0 0 0 rg BT 536.46 446.00 Td (within ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 434.00 Td (income ) Tj ET Q q 0 0 0 rg BT 100.05 434.00 Td (tax ) Tj ET Q q 0 0 0 rg BT 114.88 434.00 Td (expense. ) Tj ET Q q 0 0 0 rg BT 152.02 434.00 Td (These ) Tj ET Q q 0 0 0 rg BT 178.51 434.00 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 228.90 434.00 Td (have ) Tj ET Q q 0 0 0 rg BT 250.39 434.00 Td (no ) Tj ET Q q 0 0 0 rg BT 263.01 434.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 292.84 434.00 Td (on ) Tj ET Q q 0 0 0 rg BT 305.45 434.00 Td (net ) Tj ET Q q 0 0 0 rg BT 320.29 434.00 Td (income ) Tj ET Q q 0 0 0 rg BT 352.34 434.00 Td (as ) Tj ET Q q 0 0 0 rg BT 363.28 434.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 399.21 434.00 Td (by ) Tj ET Q q 0 0 0 rg BT 411.83 434.00 Td (the ) Tj ET Q q 0 0 0 rg BT 426.66 434.00 Td (Firm ) Tj ET Q q 0 0 0 rg BT 448.73 434.00 Td (as ) Tj ET Q q 0 0 0 rg BT 459.67 434.00 Td (a ) Tj ET Q q 0 0 0 rg BT 466.73 434.00 Td (whole ) Tj ET Q q 0 0 0 rg BT 493.78 434.00 Td (or ) Tj ET Q q 0 0 0 rg BT 504.73 434.00 Td (by ) Tj ET Q q 0 0 0 rg BT 517.35 434.00 Td (the ) Tj ET Q q 0 0 0 rg BT 532.18 434.00 Td (lines ) Tj ET Q q 0 0 0 rg BT 553.68 434.00 Td (of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 422.00 Td (business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 398.00 Td (c. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 398.00 Td (The ) Tj ET Q q 0 0 0 rg BT 85.70 398.00 Td (ratio ) Tj ET Q q 0 0 0 rg BT 106.18 398.00 Td (of ) Tj ET Q q 0 0 0 rg BT 116.66 398.00 Td (the ) Tj ET Q q 0 0 0 rg BT 131.03 398.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 173.72 398.00 Td (for ) Tj ET Q q 0 0 0 rg BT 187.53 398.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 206.90 398.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 232.95 398.00 Td (to ) Tj ET Q q 0 0 0 rg BT 242.88 398.00 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 300.01 398.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 323.27 398.00 Td (excludes ) Tj ET Q q 0 0 0 rg BT 360.41 398.00 Td (the ) Tj ET Q q 0 0 0 rg BT 374.78 398.00 Td (following: ) Tj ET Q q 0 0 0 rg BT 418.60 398.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 441.86 398.00 Td (accounted ) Tj ET Q q 0 0 0 rg BT 484.54 398.00 Td (for ) Tj ET Q q 0 0 0 rg BT 498.36 398.00 Td (at ) Tj ET Q q 0 0 0 rg BT 507.73 398.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 523.76 398.00 Td (value ) Tj ET Q q 0 0 0 rg BT 547.57 398.00 Td (and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 386.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 93.64 386.00 Td (held-for) Tj ET Q q 0 0 0 rg BT 125.65 386.00 Td (-sale; ) Tj ET Q q 0 0 0 rg BT 151.83 386.00 Td (purchased ) Tj ET Q q 0 0 0 rg BT 196.90 386.00 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 263.07 386.00 Td (\(PCI\) ) Tj ET Q q 0 0 0 rg BT 298.70 386.00 Td (loans; ) Tj ET Q q 0 0 0 rg BT 327.11 386.00 Td (and ) Tj ET Q q 0 0 0 rg BT 346.08 386.00 Td (the ) Tj ET Q q 0 0 0 rg BT 362.83 386.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 407.89 386.00 Td (for ) Tj ET Q q 0 0 0 rg BT 424.08 386.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 445.83 386.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 474.25 386.00 Td (related ) Tj ET Q q 0 0 0 rg BT 505.99 386.00 Td (to ) Tj ET Q q 0 0 0 rg BT 518.30 386.00 Td (PCI ) Tj ET Q q 0 0 0 rg BT 538.39 386.00 Td (loans. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 374.00 Td (Additionally) Tj ET Q q 0 0 0 rg BT 117.90 374.00 Td (, ) Tj ET Q q 0 0 0 rg BT 122.24 374.00 Td (Real ) Tj ET Q q 0 0 0 rg BT 142.40 374.00 Td (Estate ) Tj ET Q q 0 0 0 rg BT 168.68 374.00 Td (Portfolios ) Tj ET Q q 0 0 0 rg BT 209.96 374.00 Td (net ) Tj ET Q q 0 0 0 rg BT 224.02 374.00 Td (char) Tj ET Q q 0 0 0 rg BT 241.04 374.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 261.96 374.00 Td (f ) Tj ET Q q 0 0 0 rg BT 267.13 374.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 287.85 374.00 Td (exclude ) Tj ET Q q 0 0 0 rg BT 320.78 374.00 Td (the ) Tj ET Q q 0 0 0 rg BT 334.83 374.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 363.88 374.00 Td (of ) Tj ET Q q 0 0 0 rg BT 374.05 374.00 Td (PCI ) Tj ET Q q 0 0 0 rg BT 391.45 374.00 Td (loans. ) Tj ET Q q 0 0 0 rg BT 416.77 374.00 Td (The ) Tj ET Q q 0 0 0 rg BT 434.15 374.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 476.52 374.00 Td (for ) Tj ET Q q 0 0 0 rg BT 490.02 374.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 509.08 374.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 534.81 374.00 Td (related ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 362.00 Td (to ) Tj ET Q q 0 0 0 rg BT 78.17 362.00 Td (the ) Tj ET Q q 0 0 0 rg BT 92.79 362.00 Td (PCI ) Tj ET Q q 0 0 0 rg BT 110.74 362.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 148.13 362.00 Td (totaled ) Tj ET Q q 0 0 0 rg BT 177.74 362.00 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 197.63 362.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 226.14 362.00 Td (at ) Tj ET Q q 0 0 0 rg BT 235.75 362.00 Td (September ) Tj ET Q q 0 0 0 rg BT 280.91 362.00 Td (30, ) Tj ET Q q 0 0 0 rg BT 295.81 362.00 Td (2013, ) Tj ET Q q 0 0 0 rg BT 320.70 362.00 Td (and ) Tj ET Q q 0 0 0 rg BT 337.54 362.00 Td ($5.7 ) Tj ET Q q 0 0 0 rg BT 357.43 362.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 385.94 362.00 Td (at ) Tj ET Q q 0 0 0 rg BT 395.55 362.00 Td (each ) Tj ET Q q 0 0 0 rg BT 416.26 362.00 Td (of ) Tj ET Q q 0 0 0 rg BT 426.99 362.00 Td (June ) Tj ET Q q 0 0 0 rg BT 447.71 362.00 Td (30, ) Tj ET Q q 0 0 0 rg BT 462.61 362.00 Td (2013, ) Tj ET Q q 0 0 0 rg BT 487.50 362.00 Td (and ) Tj ET Q q 0 0 0 rg BT 504.34 362.00 Td (September ) Tj ET Q q 0 0 0 rg BT 549.49 362.00 Td (30, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 350.00 Td (2012. ) Tj ET Q q 0 0 0 rg BT 92.21 350.00 Td (In ) Tj ET Q q 0 0 0 rg BT 102.25 350.00 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 143.95 350.00 Td (& ) Tj ET Q q 0 0 0 rg BT 153.44 350.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 199.58 350.00 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 224.90 350.00 Td (the ) Tj ET Q q 0 0 0 rg BT 238.83 350.00 Td (ratio ) Tj ET Q q 0 0 0 rg BT 258.86 350.00 Td (of ) Tj ET Q q 0 0 0 rg BT 268.90 350.00 Td (the ) Tj ET Q q 0 0 0 rg BT 282.83 350.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 325.07 350.00 Td (for ) Tj ET Q q 0 0 0 rg BT 338.44 350.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 357.37 350.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 382.97 350.00 Td (to ) Tj ET Q q 0 0 0 rg BT 392.46 350.00 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 449.15 350.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 471.97 350.00 Td (is ) Tj ET Q q 0 0 0 rg BT 480.35 350.00 Td (calculated ) Tj ET Q q 0 0 0 rg BT 522.58 350.00 Td (excluding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 338.00 Td (the ) Tj ET Q q 0 0 0 rg BT 81.94 338.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 110.87 338.00 Td (of ) Tj ET Q q 0 0 0 rg BT 120.92 338.00 Td (trade ) Tj ET Q q 0 0 0 rg BT 142.62 338.00 Td (finance ) Tj ET Q q 0 0 0 rg BT 173.76 338.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 196.59 338.00 Td (and ) Tj ET Q q 0 0 0 rg BT 212.75 338.00 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 265.01 338.00 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 341.15 338.00 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 388.97 338.00 Td (conduits, ) Tj ET Q q 0 0 0 rg BT 427.08 338.00 Td (as ) Tj ET Q q 0 0 0 rg BT 437.13 338.00 Td (well ) Tj ET Q q 0 0 0 rg BT 456.06 338.00 Td (as ) Tj ET Q q 0 0 0 rg BT 466.11 338.00 Td (their ) Tj ET Q q 0 0 0 rg BT 486.15 338.00 Td (related ) Tj ET Q q 0 0 0 rg BT 515.08 338.00 Td (allowances, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 326.00 Td (to ) Tj ET Q q 0 0 0 rg BT 78.28 326.00 Td (provide ) Tj ET Q q 0 0 0 rg BT 111.33 326.00 Td (a ) Tj ET Q q 0 0 0 rg BT 118.26 326.00 Td (more ) Tj ET Q q 0 0 0 rg BT 141.31 326.00 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 189.35 326.00 Td (assessment ) Tj ET Q q 0 0 0 rg BT 236.29 326.00 Td (of ) Tj ET Q q 0 0 0 rg BT 247.12 326.00 Td (the ) Tj ET Q q 0 0 0 rg BT 261.84 326.00 Td (CIB's ) Tj ET Q q 0 0 0 rg BT 286.70 326.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 329.73 326.00 Td (coverage.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 302.00 Td (d. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 302.00 Td (T) Tj ET Q q 0 0 0 rg BT 73.41 302.00 Td (angible ) Tj ET Q q 0 0 0 rg BT 106.08 302.00 Td (common ) Tj ET Q q 0 0 0 rg BT 144.32 302.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 172.56 302.00 Td (\(TCE\) ) Tj ET Q q 0 0 0 rg BT 210.22 302.00 Td (represents ) Tj ET Q q 0 0 0 rg BT 254.00 302.00 Td (the ) Tj ET Q q 0 0 0 rg BT 269.46 302.00 Td (Firm? Tj ET Q q 0 0 0 rg BT 291.69 302.00 Td (s ) Tj ET Q q 0 0 0 rg BT 298.82 302.00 Td (common ) Tj ET Q q 0 0 0 rg BT 337.05 302.00 Td (stockholders' ) Tj ET Q q 0 0 0 rg BT 392.64 302.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 420.88 302.00 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 442.17 302.00 Td (total ) Tj ET Q q 0 0 0 rg BT 463.18 302.00 Td (stockholders' ) Tj ET Q q 0 0 0 rg BT 518.77 302.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 547.01 302.00 Td (less ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 290.00 Td (preferred ) Tj ET Q q 0 0 0 rg BT 108.02 290.00 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 135.84 290.00 Td (less ) Tj ET Q q 0 0 0 rg BT 154.23 290.00 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 193.17 290.00 Td (and ) Tj ET Q q 0 0 0 rg BT 211.00 290.00 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 259.92 290.00 Td (intangible ) Tj ET Q q 0 0 0 rg BT 303.29 290.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 330.01 290.00 Td (\(other ) Tj ET Q q 0 0 0 rg BT 357.27 290.00 Td (than ) Tj ET Q q 0 0 0 rg BT 377.87 290.00 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 412.10 290.00 Td (net ) Tj ET Q q 0 0 0 rg BT 427.71 290.00 Td (of ) Tj ET Q q 0 0 0 rg BT 439.42 290.00 Td (related ) Tj ET Q q 0 0 0 rg BT 470.01 290.00 Td (deferred ) Tj ET Q q 0 0 0 rg BT 506.70 290.00 Td (tax ) Tj ET Q q 0 0 0 rg BT 522.30 290.00 Td (liabilities. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 278.00 Td (Return ) Tj ET Q q 0 0 0 rg BT 98.34 278.00 Td (on ) Tj ET Q q 0 0 0 rg BT 111.46 278.00 Td (tangible ) Tj ET Q q 0 0 0 rg BT 146.80 278.00 Td (common ) Tj ET Q q 0 0 0 rg BT 184.92 278.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 213.04 278.00 Td (measures ) Tj ET Q q 0 0 0 rg BT 253.37 278.00 Td (the ) Tj ET Q q 0 0 0 rg BT 268.71 278.00 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 296.98 278.00 Td (earnings ) Tj ET Q q 0 0 0 rg BT 333.98 278.00 Td (as ) Tj ET Q q 0 0 0 rg BT 345.43 278.00 Td (a ) Tj ET Q q 0 0 0 rg BT 352.99 278.00 Td (percentage ) Tj ET Q q 0 0 0 rg BT 399.42 278.00 Td (of ) Tj ET Q q 0 0 0 rg BT 410.87 278.00 Td (average ) Tj ET Q q 0 0 0 rg BT 444.85 278.00 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 469.37 278.00 Td (In ) Tj ET Q q 0 0 0 rg BT 480.82 278.00 Td (management's ) Tj ET Q q 0 0 0 rg BT 540.73 278.00 Td (view) Tj ET Q q 0 0 0 rg BT 559.52 278.00 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 266.00 Td (these ) Tj ET Q q 0 0 0 rg BT 91.20 266.00 Td (measures ) Tj ET Q q 0 0 0 rg BT 131.06 266.00 Td (are ) Tj ET Q q 0 0 0 rg BT 145.93 266.00 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 194.12 266.00 Td (to ) Tj ET Q q 0 0 0 rg BT 204.56 266.00 Td (the ) Tj ET Q q 0 0 0 rg BT 219.43 266.00 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 244.03 266.00 Td (as ) Tj ET Q q 0 0 0 rg BT 255.02 266.00 Td (well ) Tj ET Q q 0 0 0 rg BT 274.89 266.00 Td (as ) Tj ET Q q 0 0 0 rg BT 285.88 266.00 Td (to ) Tj ET Q q 0 0 0 rg BT 296.31 266.00 Td (analysts ) Tj ET Q q 0 0 0 rg BT 331.18 266.00 Td (and ) Tj ET Q q 0 0 0 rg BT 348.28 266.00 Td (investors, ) Tj ET Q q 0 0 0 rg BT 389.54 266.00 Td (in ) Tj ET Q q 0 0 0 rg BT 399.97 266.00 Td (assessing ) Tj ET Q q 0 0 0 rg BT 439.85 266.00 Td (the ) Tj ET Q q 0 0 0 rg BT 454.72 266.00 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 482.52 266.00 Td (use ) Tj ET Q q 0 0 0 rg BT 498.50 266.00 Td (of ) Tj ET Q q 0 0 0 rg BT 509.49 266.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 537.14 266.00 Td (and ) Tj ET Q q 0 0 0 rg BT 554.23 266.00 Td (in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 254.00 Td (facilitating ) Tj ET Q q 0 0 0 rg BT 113.82 254.00 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 166.86 254.00 Td (with ) Tj ET Q q 0 0 0 rg BT 187.14 254.00 Td (peers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 230.00 Td (e. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 230.00 Td (The ) Tj ET Q q 0 0 0 rg BT 86.27 230.00 Td (T) Tj ET Q q 0 0 0 rg BT 92.03 230.00 Td (ier ) Tj ET Q q 0 0 0 rg BT 105.52 230.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 113.46 230.00 Td (common ) Tj ET Q q 0 0 0 rg BT 151.40 230.00 Td (ratio ) Tj ET Q q 0 0 0 rg BT 172.66 230.00 Td (under ) Tj ET Q q 0 0 0 rg BT 198.37 230.00 Td (both ) Tj ET Q q 0 0 0 rg BT 219.09 230.00 Td (Basel ) Tj ET Q q 0 0 0 rg BT 244.25 230.00 Td (I ) Tj ET Q q 0 0 0 rg BT 250.52 230.00 Td (and ) Tj ET Q q 0 0 0 rg BT 267.90 230.00 Td (Basel ) Tj ET Q q 0 0 0 rg BT 293.06 230.00 Td (III ) Tj ET Q q 0 0 0 rg BT 305.99 230.00 Td (are ) Tj ET Q q 0 0 0 rg BT 321.14 230.00 Td (both ) Tj ET Q q 0 0 0 rg BT 341.86 230.00 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 387.04 230.00 Td ( ) Tj ET Q q 0 0 0 rg BT 389.98 230.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 427.90 230.00 Td (measures. ) Tj ET Q q 0 0 0 rg BT 470.34 230.00 Td (These ) Tj ET Q q 0 0 0 rg BT 497.16 230.00 Td (measures, ) Tj ET Q q 0 0 0 rg BT 539.80 230.00 Td (along ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 218.00 Td (with ) Tj ET Q q 0 0 0 rg BT 87.71 218.00 Td (other ) Tj ET Q q 0 0 0 rg BT 110.20 218.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 138.78 218.00 Td (measures, ) Tj ET Q q 0 0 0 rg BT 180.42 218.00 Td (are ) Tj ET Q q 0 0 0 rg BT 194.56 218.00 Td (used ) Tj ET Q q 0 0 0 rg BT 214.83 218.00 Td (by ) Tj ET Q q 0 0 0 rg BT 226.77 218.00 Td (management, ) Tj ET Q q 0 0 0 rg BT 282.29 218.00 Td (bank ) Tj ET Q q 0 0 0 rg BT 303.66 218.00 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 348.08 218.00 Td (investors ) Tj ET Q q 0 0 0 rg BT 386.13 218.00 Td (and ) Tj ET Q q 0 0 0 rg BT 402.50 218.00 Td (analysts ) Tj ET Q q 0 0 0 rg BT 436.65 218.00 Td (to ) Tj ET Q q 0 0 0 rg BT 446.37 218.00 Td (assess ) Tj ET Q q 0 0 0 rg BT 472.74 218.00 Td (and ) Tj ET Q q 0 0 0 rg BT 489.12 218.00 Td (monitor ) Tj ET Q q 0 0 0 rg BT 522.72 218.00 Td (the ) Tj ET Q q 0 0 0 rg BT 536.87 218.00 Td (Firm's ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 206.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 97.32 206.00 Td (position ) Tj ET Q q 0 0 0 rg BT 132.21 206.00 Td (and ) Tj ET Q q 0 0 0 rg BT 149.32 206.00 Td (to ) Tj ET Q q 0 0 0 rg BT 159.77 206.00 Td (compare ) Tj ET Q q 0 0 0 rg BT 196.86 206.00 Td (the ) Tj ET Q q 0 0 0 rg BT 211.75 206.00 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 239.56 206.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 268.87 206.00 Td (to ) Tj ET Q q 0 0 0 rg BT 279.32 206.00 Td (that ) Tj ET Q q 0 0 0 rg BT 296.98 206.00 Td (of ) Tj ET Q q 0 0 0 rg BT 307.98 206.00 Td (other ) Tj ET Q q 0 0 0 rg BT 331.20 206.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 368.85 206.00 Td (services ) Tj ET Q q 0 0 0 rg BT 403.72 206.00 Td (companies. ) Tj ET Q q 0 0 0 rg BT 451.46 206.00 Td (The ) Tj ET Q q 0 0 0 rg BT 469.68 206.00 Td (Basel ) Tj ET Q q 0 0 0 rg BT 494.56 206.00 Td (I ) Tj ET Q q 0 0 0 rg BT 500.37 206.00 Td (T) Tj ET Q q 0 0 0 rg BT 506.13 206.00 Td (ier ) Tj ET Q q 0 0 0 rg BT 519.34 206.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 527.01 206.00 Td (common ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 194.00 Td (ratio ) Tj ET Q q 0 0 0 rg BT 88.57 194.00 Td (is ) Tj ET Q q 0 0 0 rg BT 97.32 194.00 Td (T) Tj ET Q q 0 0 0 rg BT 103.07 194.00 Td (ier ) Tj ET Q q 0 0 0 rg BT 115.86 194.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 123.10 194.00 Td (common ) Tj ET Q q 0 0 0 rg BT 160.34 194.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 189.23 194.00 Td (divided ) Tj ET Q q 0 0 0 rg BT 221.47 194.00 Td (by ) Tj ET Q q 0 0 0 rg BT 233.71 194.00 Td (Basel ) Tj ET Q q 0 0 0 rg BT 258.17 194.00 Td (I ) Tj ET Q q 0 0 0 rg BT 263.74 194.00 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 320.96 194.00 Td (assets. ) Tj ET Q q 0 0 0 rg BT 348.87 194.00 Td (T) Tj ET Q q 0 0 0 rg BT 354.63 194.00 Td (ier ) Tj ET Q q 0 0 0 rg BT 367.42 194.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 374.66 194.00 Td (common ) Tj ET Q q 0 0 0 rg BT 411.89 194.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 440.79 194.00 Td (is ) Tj ET Q q 0 0 0 rg BT 449.70 194.00 Td (defined ) Tj ET Q q 0 0 0 rg BT 481.92 194.00 Td (as ) Tj ET Q q 0 0 0 rg BT 492.33 194.00 Td (T) Tj ET Q q 0 0 0 rg BT 498.09 194.00 Td (ier ) Tj ET Q q 0 0 0 rg BT 510.88 194.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 518.12 194.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 547.01 194.00 Td (less ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 182.00 Td (elements ) Tj ET Q q 0 0 0 rg BT 106.49 182.00 Td (of ) Tj ET Q q 0 0 0 rg BT 117.55 182.00 Td (T) Tj ET Q q 0 0 0 rg BT 123.30 182.00 Td (ier ) Tj ET Q q 0 0 0 rg BT 136.79 182.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 144.74 182.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 174.33 182.00 Td (not ) Tj ET Q q 0 0 0 rg BT 190.05 182.00 Td (in ) Tj ET Q q 0 0 0 rg BT 200.77 182.00 Td (the ) Tj ET Q q 0 0 0 rg BT 215.93 182.00 Td (form ) Tj ET Q q 0 0 0 rg BT 238.32 182.00 Td (of ) Tj ET Q q 0 0 0 rg BT 249.59 182.00 Td (common ) Tj ET Q q 0 0 0 rg BT 287.53 182.00 Td (equity) Tj ET Q q 0 0 0 rg BT 311.87 182.00 Td (, ) Tj ET Q q 0 0 0 rg BT 317.32 182.00 Td (such ) Tj ET Q q 0 0 0 rg BT 338.59 182.00 Td (as ) Tj ET Q q 0 0 0 rg BT 349.86 182.00 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 390.01 182.00 Td (preferred ) Tj ET Q q 0 0 0 rg BT 429.59 182.00 Td (stock, ) Tj ET Q q 0 0 0 rg BT 456.14 182.00 Td (noncontrolling ) Tj ET Q q 0 0 0 rg BT 517.96 182.00 Td (interests ) Tj ET Q q 0 0 0 rg BT 554.23 182.00 Td (in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 170.00 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 119.64 170.00 Td (and ) Tj ET Q q 0 0 0 rg BT 136.01 170.00 Td (trust ) Tj ET Q q 0 0 0 rg BT 155.72 170.00 Td (preferred ) Tj ET Q q 0 0 0 rg BT 194.28 170.00 Td (securities. ) Tj ET Q q 0 0 0 rg BT 236.47 170.00 Td (In ) Tj ET Q q 0 0 0 rg BT 246.73 170.00 Td (July ) Tj ET Q q 0 0 0 rg BT 265.33 170.00 Td (2013, ) Tj ET Q q 0 0 0 rg BT 289.75 170.00 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 309.47 170.00 Td (federal ) Tj ET Q q 0 0 0 rg BT 339.15 170.00 Td (banking ) Tj ET Q q 0 0 0 rg BT 373.29 170.00 Td (agencies ) Tj ET Q q 0 0 0 rg BT 409.64 170.00 Td (approved ) Tj ET Q q 0 0 0 rg BT 448.78 170.00 Td (a ) Tj ET Q q 0 0 0 rg BT 455.14 170.00 Td (final ) Tj ET Q q 0 0 0 rg BT 475.40 170.00 Td (rule ) Tj ET Q q 0 0 0 rg BT 492.87 170.00 Td (for ) Tj ET Q q 0 0 0 rg BT 506.46 170.00 Td (implementing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 158.00 Td (Basel ) Tj ET Q q 0 0 0 rg BT 92.61 158.00 Td (III ) Tj ET Q q 0 0 0 rg BT 104.99 158.00 Td (in ) Tj ET Q q 0 0 0 rg BT 115.15 158.00 Td (the ) Tj ET Q q 0 0 0 rg BT 129.76 158.00 Td (U. ) Tj ET Q q 0 0 0 rg BT 141.87 158.00 Td (S. ) Tj ET Q q 0 0 0 rg BT 152.32 158.00 Td (For ) Tj ET Q q 0 0 0 rg BT 168.60 158.00 Td (further ) Tj ET Q q 0 0 0 rg BT 198.20 158.00 Td (information ) Tj ET Q q 0 0 0 rg BT 247.80 158.00 Td (on ) Tj ET Q q 0 0 0 rg BT 260.19 158.00 Td (Basel ) Tj ET Q q 0 0 0 rg BT 284.79 158.00 Td (I ) Tj ET Q q 0 0 0 rg BT 290.51 158.00 Td (and ) Tj ET Q q 0 0 0 rg BT 307.34 158.00 Td (Basel ) Tj ET Q q 0 0 0 rg BT 331.95 158.00 Td (III, ) Tj ET Q q 0 0 0 rg BT 346.83 158.00 Td (see ) Tj ET Q q 0 0 0 rg BT 361.98 158.00 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 408.81 158.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 437.85 158.00 Td (on ) Tj ET Q q 0 0 0 rg BT 450.23 158.00 Td (pages ) Tj ET Q q 0 0 0 rg BT 475.39 158.00 Td (1) Tj ET Q q 0 0 0 rg BT 480.02 158.00 Td (17-1) Tj ET Q q 0 0 0 rg BT 497.98 158.00 Td (19 ) Tj ET Q q 0 0 0 rg BT 510.37 158.00 Td (of ) Tj ET Q q 0 0 0 rg BT 521.09 158.00 Td (JPMor) Tj ET Q q 0 0 0 rg BT 547.58 158.00 Td (gan ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 146.00 Td (Chase ) Tj ET Q q 0 0 0 rg BT 94.16 146.00 Td (& ) Tj ET Q q 0 0 0 rg BT 103.66 146.00 Td (Co.'s ) Tj ET Q q 0 0 0 rg BT 124.86 146.00 Td (Annual ) Tj ET Q q 0 0 0 rg BT 156.02 146.00 Td (Report ) Tj ET Q q 0 0 0 rg BT 184.96 146.00 Td (on ) Tj ET Q q 0 0 0 rg BT 196.68 146.00 Td (Form ) Tj ET Q q 0 0 0 rg BT 220.07 146.00 Td (10-K ) Tj ET Q q 0 0 0 rg BT 242.34 146.00 Td (for ) Tj ET Q q 0 0 0 rg BT 255.72 146.00 Td (the ) Tj ET Q q 0 0 0 rg BT 269.66 146.00 Td (year ) Tj ET Q q 0 0 0 rg BT 288.58 146.00 Td (ended ) Tj ET Q q 0 0 0 rg BT 314.18 146.00 Td (December ) Tj ET Q q 0 0 0 rg BT 356.98 146.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 371.21 146.00 Td (2012, ) Tj ET Q q 0 0 0 rg BT 395.43 146.00 Td (and ) Tj ET Q q 0 0 0 rg BT 411.58 146.00 Td (on ) Tj ET Q q 0 0 0 rg BT 423.30 146.00 Td (pages ) Tj ET Q q 0 0 0 rg BT 447.79 146.00 Td (60-63 ) Tj ET Q q 0 0 0 rg BT 472.84 146.00 Td (of ) Tj ET Q q 0 0 0 rg BT 482.89 146.00 Td (the ) Tj ET Q q 0 0 0 rg BT 496.83 146.00 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 523.69 146.00 Td (Quarterly ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 134.00 Td (Report ) Tj ET Q q 0 0 0 rg BT 97.72 134.00 Td (on ) Tj ET Q q 0 0 0 rg BT 110.22 134.00 Td (Form ) Tj ET Q q 0 0 0 rg BT 134.39 134.00 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 157.44 134.00 Td (for ) Tj ET Q q 0 0 0 rg BT 171.60 134.00 Td (the ) Tj ET Q q 0 0 0 rg BT 186.32 134.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 217.13 134.00 Td (ended ) Tj ET Q q 0 0 0 rg BT 243.51 134.00 Td (June ) Tj ET Q q 0 0 0 rg BT 264.34 134.00 Td (30, ) Tj ET Q q 0 0 0 rg BT 279.34 134.00 Td (2013.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 110.00 Td (f. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 110.00 Td (In ) Tj ET Q q 0 0 0 rg BT 78.84 110.00 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 122.47 110.00 Td (& ) Tj ET Q q 0 0 0 rg BT 132.76 110.00 Td (Community ) Tj ET Q q 0 0 0 rg BT 183.05 110.00 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 221.96 110.00 Td (supplemental ) Tj ET Q q 0 0 0 rg BT 277.79 110.00 Td (information ) Tj ET Q q 0 0 0 rg BT 327.51 110.00 Td (is ) Tj ET Q q 0 0 0 rg BT 336.70 110.00 Td (provided ) Tj ET Q q 0 0 0 rg BT 374.76 110.00 Td (for ) Tj ET Q q 0 0 0 rg BT 388.93 110.00 Td (Card ) Tj ET Q q 0 0 0 rg BT 410.88 110.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 447.28 110.00 Td (to ) Tj ET Q q 0 0 0 rg BT 457.57 110.00 Td (enable ) Tj ET Q q 0 0 0 rg BT 486.17 110.00 Td (comparability ) Tj ET Q q 0 0 0 rg BT 544.23 110.00 Td (with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 98.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 89.94 98.00 Td (periods. ) Tj ET Q q 0 0 0 rg BT 124.20 98.00 Td (The ) Tj ET Q q 0 0 0 rg BT 142.24 98.00 Td (net ) Tj ET Q q 0 0 0 rg BT 156.96 98.00 Td (char) Tj ET Q q 0 0 0 rg BT 173.99 98.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 194.90 98.00 Td (f ) Tj ET Q q 0 0 0 rg BT 200.73 98.00 Td (and ) Tj ET Q q 0 0 0 rg BT 217.67 98.00 Td (30+ ) Tj ET Q q 0 0 0 rg BT 235.81 98.00 Td (day ) Tj ET Q q 0 0 0 rg BT 252.75 98.00 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 304.12 98.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 325.50 98.00 Td (presented ) Tj ET Q q 0 0 0 rg BT 366.32 98.00 Td (include ) Tj ET Q q 0 0 0 rg BT 398.25 98.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 421.86 98.00 Td (held-for) Tj ET Q q 0 0 0 rg BT 453.86 98.00 Td (-sale. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 74.00 Td (g. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 74.00 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 110.42 74.00 Td (& ) Tj ET Q q 0 0 0 rg BT 120.64 74.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 167.51 74.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 191.05 74.00 Td (provides ) Tj ET Q q 0 0 0 rg BT 227.93 74.00 Td (several ) Tj ET Q q 0 0 0 rg BT 258.68 74.00 Td (measures ) Tj ET Q q 0 0 0 rg BT 298.32 74.00 Td (which ) Tj ET Q q 0 0 0 rg BT 325.20 74.00 Td (exclude ) Tj ET Q q 0 0 0 rg BT 358.73 74.00 Td (the ) Tj ET Q q 0 0 0 rg BT 373.38 74.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 403.03 74.00 Td (of ) Tj ET Q q 0 0 0 rg BT 413.80 74.00 Td (debit ) Tj ET Q q 0 0 0 rg BT 436.23 74.00 Td (valuation ) Tj ET Q q 0 0 0 rg BT 475.88 74.00 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 526.09 74.00 Td (\(DV) Tj ET Q q 0 0 0 rg BT 547.01 74.00 Td (A\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 62.00 Td (on: ) Tj ET Q q 0 0 0 rg BT 83.00 62.00 Td (net ) Tj ET Q q 0 0 0 rg BT 97.44 62.00 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 133.80 62.00 Td (net ) Tj ET Q q 0 0 0 rg BT 148.24 62.00 Td (income, ) Tj ET Q q 0 0 0 rg BT 182.39 62.00 Td (compensation ) Tj ET Q q 0 0 0 rg BT 240.16 62.00 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 263.20 62.00 Td (and ) Tj ET Q q 0 0 0 rg BT 279.86 62.00 Td (return ) Tj ET Q q 0 0 0 rg BT 305.96 62.00 Td (on ) Tj ET Q q 0 0 0 rg BT 318.18 62.00 Td (equity) Tj ET Q q 0 0 0 rg BT 342.53 62.00 Td (. ) Tj ET Q q 0 0 0 rg BT 347.09 62.00 Td (These ) Tj ET Q q 0 0 0 rg BT 373.18 62.00 Td (measures ) Tj ET Q q 0 0 0 rg BT 412.61 62.00 Td (are ) Tj ET Q q 0 0 0 rg BT 427.04 62.00 Td (used ) Tj ET Q q 0 0 0 rg BT 447.59 62.00 Td (by ) Tj ET Q q 0 0 0 rg BT 459.81 62.00 Td (management ) Tj ET Q q 0 0 0 rg BT 513.12 62.00 Td (to ) Tj ET Q q 0 0 0 rg BT 523.12 62.00 Td (assess ) Tj ET Q q 0 0 0 rg BT 549.78 62.00 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 50.00 Td (underlying ) Tj ET Q q 0 0 0 rg BT 113.83 50.00 Td (performance ) Tj ET Q q 0 0 0 rg BT 166.85 50.00 Td (of ) Tj ET Q q 0 0 0 rg BT 177.68 50.00 Td (the ) Tj ET Q q 0 0 0 rg BT 192.39 50.00 Td (business ) Tj ET Q q 0 0 0 rg BT 228.79 50.00 Td (and ) Tj ET Q q 0 0 0 rg BT 245.72 50.00 Td (for ) Tj ET Q q 0 0 0 rg BT 259.88 50.00 Td (comparability ) Tj ET Q q 0 0 0 rg BT 317.92 50.00 Td (with ) Tj ET Q q 0 0 0 rg BT 338.20 50.00 Td (peers. ) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (2. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 68.00 741.60 Td (Additional ) Tj ET Q q 0 0 0 rg BT 120.88 741.60 Td (notes ) Tj ET Q q 0 0 0 rg BT 148.07 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 162.44 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 206.14 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 240.77 741.60 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (Headcount-related ) Tj ET Q q 0 0 0 rg BT 150.24 717.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 190.84 717.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 232.55 717.60 Td (salary ) Tj ET Q q 0 0 0 rg BT 264.82 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.65 717.60 Td (benefits ) Tj ET Q q 0 0 0 rg BT 327.69 717.60 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 378.85 717.60 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 463.86 717.60 Td (incentives\), ) Tj ET Q q 0 0 0 rg BT 518.62 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 541.45 717.60 Td (other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (noncompensation ) Tj ET Q q 0 0 0 rg BT 141.04 705.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 163.54 705.60 Td (related ) Tj ET Q q 0 0 0 rg BT 193.24 705.60 Td (to ) Tj ET Q q 0 0 0 rg BT 203.52 705.60 Td (employees.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 681.60 Td (b. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 112.64 681.60 Td (& ) Tj ET Q q 0 0 0 rg BT 123.94 681.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 175.25 681.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 212.67 681.60 Td (deposit ) Tj ET Q q 0 0 0 rg BT 245.08 681.60 Td (rankings ) Tj ET Q q 0 0 0 rg BT 283.05 681.60 Td (are ) Tj ET Q q 0 0 0 rg BT 298.78 681.60 Td (based ) Tj ET Q q 0 0 0 rg BT 325.08 681.60 Td (on ) Tj ET Q q 0 0 0 rg BT 338.61 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 354.35 681.60 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 380.66 681.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 404.19 681.60 Td (Summary ) Tj ET Q q 0 0 0 rg BT 446.61 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 458.46 681.60 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 496.99 681.60 Td (survey ) Tj ET Q q 0 0 0 rg BT 527.18 681.60 Td (per ) Tj ET Q q 0 0 0 rg BT 543.48 681.60 Td (SNL) Tj ET Q q 0 0 0 rg BT 562.00 681.60 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (Financial. ) Tj ET Q q 0 0 0 rg BT 109.66 669.60 Td (Accounts ) Tj ET Q q 0 0 0 rg BT 149.93 669.60 Td (include ) Tj ET Q q 0 0 0 rg BT 181.86 669.60 Td (checking ) Tj ET Q q 0 0 0 rg BT 220.46 669.60 Td (accounts ) Tj ET Q q 0 0 0 rg BT 257.94 669.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.88 669.60 Td (Chase ) Tj ET Q q 0 0 0 rg BT 301.82 669.60 Td (Liquid) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 328.48 674.13 Td (SM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.88 669.60 Td ( ) Tj ET Q q 0 0 0 rg BT 340.38 669.60 Td (cards.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 645.60 Td (c. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 109.17 645.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 145.36 645.60 Td (provision ) Tj ET Q q 0 0 0 rg BT 185.43 645.60 Td (for ) Tj ET Q q 0 0 0 rg BT 199.39 645.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 224.45 645.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 250.64 645.60 Td (is ) Tj ET Q q 0 0 0 rg BT 259.60 645.60 Td (included ) Tj ET Q q 0 0 0 rg BT 296.33 645.60 Td (in ) Tj ET Q q 0 0 0 rg BT 306.41 645.60 Td (the ) Tj ET Q q 0 0 0 rg BT 320.92 645.60 Td (functional ) Tj ET Q q 0 0 0 rg BT 363.76 645.60 Td (results ) Tj ET Q q 0 0 0 rg BT 392.16 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 402.79 645.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 423.41 645.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 450.14 645.60 Td (Portfolios ) Tj ET Q q 0 0 0 rg BT 491.89 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 508.62 645.60 Td (in ) Tj ET Q q 0 0 0 rg BT 518.70 645.60 Td (production ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 102.71 633.60 Td (of ) Tj ET Q q 0 0 0 rg BT 113.54 633.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 154.91 633.60 Td (Production.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 609.60 Td (d. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 609.60 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.39 609.60 Td (card ) Tj ET Q q 0 0 0 rg BT 114.99 609.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 136.83 609.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 169.22 609.60 Td (is ) Tj ET Q q 0 0 0 rg BT 178.28 609.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 218.99 609.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 260.82 609.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 312.64 609.60 Td (Card. ) Tj ET Q q 0 0 0 rg BT 336.98 609.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 377.15 609.60 Td (and ) Tj ET Q q 0 0 0 rg BT 393.98 609.60 Td (comparison ) Tj ET Q q 0 0 0 rg BT 443.03 609.60 Td (of ) Tj ET Q q 0 0 0 rg BT 453.76 609.60 Td (general ) Tj ET Q q 0 0 0 rg BT 485.58 609.60 Td (purpose ) Tj ET Q q 0 0 0 rg BT 519.63 609.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 544.79 609.60 Td (card ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 597.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 89.94 597.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 122.43 597.60 Td (are ) Tj ET Q q 0 0 0 rg BT 137.14 597.60 Td (based ) Tj ET Q q 0 0 0 rg BT 162.41 597.60 Td (on ) Tj ET Q q 0 0 0 rg BT 174.91 597.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 221.85 597.60 Td (by ) Tj ET Q q 0 0 0 rg BT 234.35 597.60 Td (peers ) Tj ET Q q 0 0 0 rg BT 257.95 597.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.88 597.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 307.93 597.60 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 350.14 597.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 390.42 597.60 Td (are ) Tj ET Q q 0 0 0 rg BT 405.12 597.60 Td (as ) Tj ET Q q 0 0 0 rg BT 415.95 597.60 Td (of ) Tj ET Q q 0 0 0 rg BT 426.78 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 441.50 597.60 Td (second ) Tj ET Q q 0 0 0 rg BT 471.77 597.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 502.58 597.60 Td (of ) Tj ET Q q 0 0 0 rg BT 513.42 597.60 Td (2013.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 573.60 Td (e. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 573.60 Td (In ) Tj ET Q q 0 0 0 rg BT 79.42 573.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 131.93 573.60 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 171.40 573.60 Td (ef) Tj ET Q q 0 0 0 rg BT 178.99 573.60 Td (fective ) Tj ET Q q 0 0 0 rg BT 209.28 573.60 Td (January ) Tj ET Q q 0 0 0 rg BT 243.46 573.60 Td (1, ) Tj ET Q q 0 0 0 rg BT 254.05 573.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 279.64 573.60 Td (whole ) Tj ET Q q 0 0 0 rg BT 307.16 573.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 327.46 573.60 Td (financing ) Tj ET Q q 0 0 0 rg BT 368.31 573.60 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 419.43 573.60 Td (previously ) Tj ET Q q 0 0 0 rg BT 464.73 573.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 501.13 573.60 Td (as ) Tj ET Q q 0 0 0 rg BT 512.55 573.60 Td (other ) Tj ET Q q 0 0 0 rg BT 536.18 573.60 Td (assets, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 561.60 Td (were ) Tj ET Q q 0 0 0 rg BT 90.14 561.60 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 138.37 561.60 Td (as ) Tj ET Q q 0 0 0 rg BT 149.41 561.60 Td (loans. ) Tj ET Q q 0 0 0 rg BT 175.73 561.60 Td (For ) Tj ET Q q 0 0 0 rg BT 192.32 561.60 Td (the ) Tj ET Q q 0 0 0 rg BT 207.25 561.60 Td (three ) Tj ET Q q 0 0 0 rg BT 229.94 561.60 Td (months ) Tj ET Q q 0 0 0 rg BT 262.09 561.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 288.68 561.60 Td (September ) Tj ET Q q 0 0 0 rg BT 334.15 561.60 Td (30, ) Tj ET Q q 0 0 0 rg BT 349.35 561.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 374.56 561.60 Td (June ) Tj ET Q q 0 0 0 rg BT 395.60 561.60 Td (30, ) Tj ET Q q 0 0 0 rg BT 410.80 561.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 433.51 561.60 Td (and ) Tj ET Q q 0 0 0 rg BT 450.66 561.60 Td (March ) Tj ET Q q 0 0 0 rg BT 479.46 561.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 494.67 561.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 519.87 561.60 Td (the ) Tj ET Q q 0 0 0 rg BT 534.80 561.60 Td (impact ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 549.60 Td (on ) Tj ET Q q 0 0 0 rg BT 80.87 549.60 Td (period-end ) Tj ET Q q 0 0 0 rg BT 127.05 549.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 151.03 549.60 Td (was ) Tj ET Q q 0 0 0 rg BT 169.45 549.60 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 189.81 549.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 221.29 549.60 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 241.66 549.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 270.64 549.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.95 549.60 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 308.32 549.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 339.80 549.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 387.46 549.60 Td (, ) Tj ET Q q 0 0 0 rg BT 392.83 549.60 Td (and ) Tj ET Q q 0 0 0 rg BT 410.13 549.60 Td (the ) Tj ET Q q 0 0 0 rg BT 425.22 549.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 455.30 549.60 Td (on ) Tj ET Q q 0 0 0 rg BT 468.17 549.60 Td (average ) Tj ET Q q 0 0 0 rg BT 502.12 549.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 526.09 549.60 Td (was ) Tj ET Q q 0 0 0 rg BT 544.51 549.60 Td ($1.7 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 537.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 99.11 537.60 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 119.11 537.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 147.73 537.60 Td (and ) Tj ET Q q 0 0 0 rg BT 164.67 537.60 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 184.67 537.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 215.78 537.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 263.44 537.60 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 513.60 Td (f. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (Asset ) Tj ET Q q 0 0 0 rg BT 93.40 513.60 Td (Management ) Tj ET Q q 0 0 0 rg BT 148.78 513.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 176.95 513.60 Td (mar) Tj ET Q q 0 0 0 rg BT 192.32 513.60 Td (gin ) Tj ET Q q 0 0 0 rg BT 208.27 513.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 251.99 513.60 Td (income ) Tj ET Q q 0 0 0 rg BT 284.61 513.60 Td (before ) Tj ET Q q 0 0 0 rg BT 313.32 513.60 Td (income ) Tj ET Q q 0 0 0 rg BT 345.94 513.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 361.33 513.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 396.72 513.60 Td (divided ) Tj ET Q q 0 0 0 rg BT 429.90 513.60 Td (by ) Tj ET Q q 0 0 0 rg BT 443.08 513.60 Td (total ) Tj ET Q q 0 0 0 rg BT 464.03 513.60 Td (net ) Tj ET Q q 0 0 0 rg BT 479.43 513.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 514.25 513.60 Td (which ) Tj ET Q q 0 0 0 rg BT 541.87 513.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 554.22 513.60 Td (in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 501.60 Td (management's ) Tj ET Q q 0 0 0 rg BT 127.04 501.60 Td (view) Tj ET Q q 0 0 0 rg BT 145.83 501.60 Td (, ) Tj ET Q q 0 0 0 rg BT 150.59 501.60 Td (a ) Tj ET Q q 0 0 0 rg BT 157.28 501.60 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 220.07 501.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 255.64 501.60 Td (of ) Tj ET Q q 0 0 0 rg BT 266.23 501.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 293.47 501.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 346.25 501.60 Td (derived ) Tj ET Q q 0 0 0 rg BT 378.50 501.60 Td (by ) Tj ET Q q 0 0 0 rg BT 390.75 501.60 Td (measuring ) Tj ET Q q 0 0 0 rg BT 434.67 501.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 470.80 501.60 Td (after ) Tj ET Q q 0 0 0 rg BT 491.37 501.60 Td (all ) Tj ET Q q 0 0 0 rg BT 503.63 501.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 525.88 501.60 Td (are ) Tj ET Q q 0 0 0 rg BT 540.35 501.60 Td (taken ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (into ) Tj ET Q q 0 0 0 rg BT 86.62 489.60 Td (consideration. ) Tj ET Q q 0 0 0 rg BT 146.06 489.60 Td (It ) Tj ET Q q 0 0 0 rg BT 155.23 489.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 167.46 489.60 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 209.11 489.60 Td (another ) Tj ET Q q 0 0 0 rg BT 242.16 489.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 265.22 489.60 Td (that ) Tj ET Q q 0 0 0 rg BT 283.28 489.60 Td (management ) Tj ET Q q 0 0 0 rg BT 337.44 489.60 Td (uses ) Tj ET Q q 0 0 0 rg BT 357.72 489.60 Td (to ) Tj ET Q q 0 0 0 rg BT 368.56 489.60 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 404.94 489.60 Td (the ) Tj ET Q q 0 0 0 rg BT 420.22 489.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 473.81 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 484.52 489.60 Td (Asset ) Tj ET Q q 0 0 0 rg BT 509.81 489.60 Td (Management ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 477.60 Td (against ) Tj ET Q q 0 0 0 rg BT 98.83 477.60 Td (the ) Tj ET Q q 0 0 0 rg BT 113.54 477.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 166.56 477.60 Td (of ) Tj ET Q q 0 0 0 rg BT 177.39 477.60 Td (its ) Tj ET Q q 0 0 0 rg BT 189.34 477.60 Td (respective ) Tj ET Q q 0 0 0 rg BT 232.38 477.60 Td (peers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 453.60 Td (g. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.99 453.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.43 453.60 Td (of ) Tj ET Q q 0 0 0 rg BT 129.20 453.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.41 453.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.40 453.60 Td (to ) Tj ET Q q 0 0 0 rg BT 202.62 453.60 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.17 453.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.15 453.60 Td (new ) Tj ET Q q 0 0 0 rg BT 293.26 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 310.14 453.60 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.45 453.60 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.16 453.60 Td (including ) Tj ET Q q 0 0 0 rg BT 414.37 453.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.93 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 454.81 453.60 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.01 453.60 Td (The ) Tj ET Q q 0 0 0 rg BT 532.01 453.60 Td (amount ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 441.60 Td (of ) Tj ET Q q 0 0 0 rg BT 78.35 441.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 103.13 441.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.70 441.60 Td (to ) Tj ET Q q 0 0 0 rg BT 150.50 441.60 Td (small ) Tj ET Q q 0 0 0 rg BT 174.18 441.60 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.42 441.60 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.86 441.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.99 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.45 441.60 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.22 441.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.13 441.60 Td (of ) Tj ET Q q 0 0 0 rg BT 360.48 441.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.26 441.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 422.82 441.60 Td (by ) Tj ET Q q 0 0 0 rg BT 434.84 441.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 477.97 441.60 Td (& ) Tj ET Q q 0 0 0 rg BT 487.77 441.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.35 441.60 Td (Banking; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (Card, ) Tj ET Q q 0 0 0 rg BT 93.10 429.60 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 134.58 429.60 Td (Services ) Tj ET Q q 0 0 0 rg BT 171.62 429.60 Td (& ) Tj ET Q q 0 0 0 rg BT 181.86 429.60 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 207.80 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 225.41 429.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 278.00 429.60 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 317.32 429.60 Td (The ) Tj ET Q q 0 0 0 rg BT 336.03 429.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 369.19 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 380.68 429.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.61 429.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 445.32 429.60 Td (to ) Tj ET Q q 0 0 0 rg BT 456.26 429.60 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 496.64 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 514.24 429.60 Td (government ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (entities, ) Tj ET Q q 0 0 0 rg BT 102.02 417.60 Td (including ) Tj ET Q q 0 0 0 rg BT 142.42 417.60 Td (states, ) Tj ET Q q 0 0 0 rg BT 169.77 417.60 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 231.56 417.60 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 269.76 417.60 Td (and ) Tj ET Q q 0 0 0 rg BT 286.83 417.60 Td (universities, ) Tj ET Q q 0 0 0 rg BT 338.07 417.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 381.24 417.60 Td (that ) Tj ET Q q 0 0 0 rg BT 398.87 417.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 437.05 417.60 Td (by ) Tj ET Q q 0 0 0 rg BT 449.68 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 464.53 417.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 507.15 417.60 Td (& ) Tj ET Q q 0 0 0 rg BT 517.57 417.60 Td (Investment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.61 405.60 Td (and ) Tj ET Q q 0 0 0 rg BT 108.55 405.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 160.48 405.60 Td (Banking. ) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 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 /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (15) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 81.79 740.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 102.03 740.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 134.27 740.70 Td (& ) Tj ET Q q 0 0 0 rg BT 146.52 740.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 166.44 740.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 208.02 740.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 236.94 740.70 Td (is ) Tj ET Q q 0 0 0 rg BT 247.86 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 256.10 740.70 Td (leading ) Tj ET Q q 0 0 0 rg BT 294.33 740.70 Td (global ) Tj ET Q q 0 0 0 rg BT 327.24 740.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 372.13 740.70 Td (services ) Tj ET Q q 0 0 0 rg BT 413.69 740.70 Td (firm ) Tj ET Q q 0 0 0 rg BT 437.27 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 461.51 740.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 492.42 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 505.33 740.70 Td ($2.5trillion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 69.93 726.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 122.51 726.30 Td (worldwide. ) Tj ET Q q 0 0 0 rg BT 179.25 726.30 Td (The ) Tj ET Q q 0 0 0 rg BT 200.50 726.30 Td (Firm ) Tj ET Q q 0 0 0 rg BT 226.44 726.30 Td (is ) Tj ET Q q 0 0 0 rg BT 237.05 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 244.97 726.30 Td (leader ) Tj ET Q q 0 0 0 rg BT 276.88 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 288.81 726.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 344.07 726.30 Td (banking, ) Tj ET Q q 0 0 0 rg BT 388.33 726.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.91 726.30 Td (services ) Tj ET Q q 0 0 0 rg BT 474.16 726.30 Td (for ) Tj ET Q q 0 0 0 rg BT 490.75 726.30 Td (consumers ) Tj ET Q q 0 0 0 rg BT 544.67 726.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (small ) Tj ET Q q 0 0 0 rg BT 77.60 711.90 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 132.87 711.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 191.10 711.90 Td (banking, ) Tj ET Q q 0 0 0 rg BT 234.37 711.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 277.94 711.90 Td (transaction ) Tj ET Q q 0 0 0 rg BT 332.19 711.90 Td (processing, ) Tj ET Q q 0 0 0 rg BT 388.11 711.90 Td (asset ) Tj ET Q q 0 0 0 rg BT 413.04 711.90 Td (management ) Tj ET Q q 0 0 0 rg BT 475.95 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 494.88 711.90 Td (private ) Tj ET Q q 0 0 0 rg BT 529.79 711.90 Td (equity) Tj ET Q q 0 0 0 rg BT 559.01 711.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (A) Tj ET Q q 0 0 0 rg BT 58.00 697.50 Td ( ) Tj ET Q q 0 0 0 rg BT 60.70 697.50 Td (component ) Tj ET Q q 0 0 0 rg BT 116.71 697.50 Td (of ) Tj ET Q q 0 0 0 rg BT 129.41 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 146.76 697.50 Td (Dow ) Tj ET Q q 0 0 0 rg BT 172.79 697.50 Td (Jones ) Tj ET Q q 0 0 0 rg BT 202.15 697.50 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 250.24 697.50 Td (A) Tj ET Q q 0 0 0 rg BT 258.02 697.50 Td (verage, ) Tj ET Q q 0 0 0 rg BT 295.69 697.50 Td (JPMor) Tj ET Q q 0 0 0 rg BT 327.48 697.50 Td (gan ) Tj ET Q q 0 0 0 rg BT 347.50 697.50 Td (Chase ) Tj ET Q q 0 0 0 rg BT 379.52 697.50 Td (& ) Tj ET Q q 0 0 0 rg BT 391.55 697.50 Td (Co. ) Tj ET Q q 0 0 0 rg BT 411.25 697.50 Td (serves ) Tj ET Q q 0 0 0 rg BT 443.93 697.50 Td (millions ) Tj ET Q q 0 0 0 rg BT 485.97 697.50 Td (of ) Tj ET Q q 0 0 0 rg BT 498.66 697.50 Td (consumers ) Tj ET Q q 0 0 0 rg BT 552.68 697.50 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 68.11 683.10 Td (United ) Tj ET Q q 0 0 0 rg BT 104.22 683.10 Td (States ) Tj ET Q q 0 0 0 rg BT 136.33 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.10 683.10 Td (many ) Tj ET Q q 0 0 0 rg BT 187.21 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.66 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.76 683.10 Td (world's ) Tj ET Q q 0 0 0 rg BT 257.04 683.10 Td (most ) Tj ET Q q 0 0 0 rg BT 283.83 683.10 Td (prominent ) Tj ET Q q 0 0 0 rg BT 336.60 683.10 Td (corporate, ) Tj ET Q q 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Td (is ) Tj ET Q q 0 0 0 rg BT 504.08 668.70 Td (available ) Tj ET Q q 0 0 0 rg BT 553.34 668.70 Td (at) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 562.00 668.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 50.00 654.30 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 75.22 654.30 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 106.67 654.30 Td (ganchase.com.) 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Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 493.60 654.63 Td (48,682) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.30 654.63 Td (13) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 645.63 Td (Pre-provision profit/\(loss\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 206.95 645.63 Td (\(509) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 645.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 257.95 645.63 Td (9,345) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 645.63 Td (9,775) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 352.65 645.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.65 645.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 439.60 645.63 Td (18,535) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 493.60 645.63 Td (24,696) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.30 645.63 Td (\(25) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 645.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 636.63 Td (Provision for credit losses) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 206.95 636.63 Td (\(543) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 636.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 266.30 636.63 Td (47) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 636.63 Td (1,789) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 352.65 636.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.65 636.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 447.95 636.63 Td (121) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.95 636.63 Td (2,729) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.30 636.63 Td (\(96) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 636.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 45.00 627.63 Td (NET INCOME/\(LOSS\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 206.95 627.63 Td (\(380) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 627.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 257.95 627.63 Td (6,496) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 627.63 Td (5,708) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 352.65 627.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.65 627.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 439.60 627.63 Td (12,645) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 493.60 627.63 Td (15,592) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.30 627.63 Td (\(19) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 627.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 39.00 614.63 Td (Managed Basis \(a\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 605.63 Td (Total net revenue) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 200.60 605.63 Td (23,880) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 254.60 605.63 Td (25,958) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 308.60 605.63 Td (25,863) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.65 605.63 Td (\(8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 605.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 394.65 605.63 Td (\(8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 400.00 605.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 439.60 605.63 Td (75,686) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 493.60 605.63 Td (75,512) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 559.00 605.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 596.63 Td (Total noninterest expense) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 200.60 596.63 Td (23,626) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 254.60 596.63 Td (15,866) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 308.60 596.63 Td (15,371) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 356.30 596.63 Td (49) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 393.30 596.63 Td (54) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 439.60 596.63 Td (54,915) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 493.60 596.63 Td (48,682) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.30 596.63 Td (13) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 587.63 Td (Pre-provision profit) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 208.95 587.63 Td (254) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 254.60 587.63 Td (10,092) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 308.60 587.63 Td (10,492) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 354.30 587.63 Td (\(97) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 587.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 391.30 587.63 Td (\(98) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 400.00 587.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 439.60 587.63 Td (20,771) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 493.60 587.63 Td (26,830) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.30 587.63 Td (\(23) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 587.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 578.63 Td (Provision for credit losses) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 206.95 578.63 Td (\(543) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 578.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 266.30 578.63 Td (47) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 578.63 Td (1,789) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 352.65 578.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.65 578.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 447.95 578.63 Td (121) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.95 578.63 Td (2,729) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.30 578.63 Td (\(96) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 578.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 45.00 569.63 Td (NET INCOME/\(LOSS\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 206.95 569.63 Td (\(380) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 569.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 257.95 569.63 Td (6,496) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 569.63 Td (5,708) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 352.65 569.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.65 569.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 439.60 569.63 Td (12,645) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 493.60 569.63 Td (15,592) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.30 569.63 Td (\(19) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 569.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 39 555.68115234375 m 120.9990234375 555.68115234375 l s q 0 0 0 rg BT 39.00 556.63 Td (PER COMMON SHARE DATA) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 547.63 Td (Net income/\(loss\): Basic) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 205.25 547.63 Td (\(0.17) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 547.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 261.30 547.63 Td (1.61) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 315.30 547.63 Td (1.41) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 352.65 547.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.65 547.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 446.30 547.63 Td (3.08) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 500.30 547.63 Td (3.82) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.30 547.63 Td (\(19) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 547.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 538.63 Td ( Diluted) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 205.25 538.63 Td (\(0.17) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 538.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 261.30 538.63 Td (1.60) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 315.30 538.63 Td (1.40) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 352.65 538.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.65 538.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 446.30 538.63 Td (3.05) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 500.30 538.63 Td (3.81) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.30 538.63 Td (\(20) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 538.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 529.63 Td (Cash dividends declared) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 207.25 529.63 Td (0.38) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 261.30 529.63 Td (0.38) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 278.00 529.63 Td (\(j\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 315.30 529.63 Td (0.30) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 361.00 529.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 393.30 529.63 Td (27) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 446.30 529.63 Td (1.06) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 463.00 529.63 Td (\(j\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 500.30 529.63 Td (0.90) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.30 529.63 Td (18) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 520.63 Td (Book value) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 203.95 520.63 Td (52.01) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 257.95 520.63 Td (52.48) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 520.63 Td (50.17) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.65 520.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 520.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 396.65 520.63 Td (4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 442.95 520.63 Td (52.01) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.95 520.63 Td (50.17) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 557.65 520.63 Td (4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 511.63 Td (Tangible book value \(b\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 203.95 511.63 Td (39.51) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 257.95 511.63 Td (39.97) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 511.63 Td (37.53) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.65 511.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 511.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 396.65 511.63 Td (5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 442.95 511.63 Td (39.51) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.95 511.63 Td (37.53) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 557.65 511.63 Td (5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 498.63 Td (Closing share price \(c\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 203.95 498.63 Td (51.69) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 257.95 498.63 Td (52.79) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 498.63 Td (40.48) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.65 498.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 498.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 393.30 498.63 Td (28) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 442.95 498.63 Td (51.69) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.95 498.63 Td (40.48) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.30 498.63 Td (28) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 489.63 Td (Market capitalization) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 197.25 489.63 Td (194,312) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 251.30 489.63 Td (198,966) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 305.30 489.63 Td (153,806) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.65 489.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 489.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 393.30 489.63 Td (26) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 436.30 489.63 Td (194,312) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 490.30 489.63 Td (153,806) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.30 489.63 Td (26) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 39.00 476.63 Td (COMMON SHARES OUTSTANDING) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 467.63 Td (Average: Basic) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 198.95 467.63 Td (3,767.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 252.95 467.63 Td (3,782.4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.95 467.63 Td (3,803.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 361.00 467.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 394.65 467.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 400.00 467.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 437.95 467.63 Td (3,789.2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 491.95 467.63 Td (3,810.4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 555.65 467.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 467.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 458.63 Td ( Diluted) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 198.95 458.63 Td (3,767.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 252.95 458.63 Td (3,814.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.95 458.63 Td (3,813.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.65 458.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 458.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 394.65 458.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 400.00 458.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 437.95 458.63 Td (3,820.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 491.95 458.63 Td (3,822.6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 559.00 458.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 449.63 Td (Common shares at period-end) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 198.95 449.63 Td (3,759.2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 252.95 449.63 Td (3,769.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.95 449.63 Td (3,799.6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 361.00 449.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 394.65 449.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 400.00 449.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 437.95 449.63 Td (3,759.2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 491.95 449.63 Td (3,799.6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 555.65 449.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 449.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 39 435.68115234375 m 104.4375 435.68115234375 l s q 0 0 0 rg BT 39.00 436.63 Td (FINANCIAL RATIOS \(d\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 427.63 Td (Return on common equity \("ROE"\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 213.65 427.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 427.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 224.00 427.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 266.30 427.63 Td (13) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 278.00 427.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 320.30 427.63 Td (12) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 332.00 427.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 454.65 427.63 Td (8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 463.00 427.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 505.30 427.63 Td (11) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 517.00 427.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 418.28 Td (Return on tangible common equity \("ROTCE"\) \(b\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 213.65 418.28 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 418.28 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 266.30 418.28 Td (17) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 320.30 418.28 Td (16) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 451.30 418.28 Td (11) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 505.30 418.28 Td (15) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 407.63 Td (Return on assets) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 205.25 407.63 Td (\(0.06) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 407.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 261.30 407.63 Td (1.09) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 315.30 407.63 Td (1.01) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 446.30 407.63 Td (0.71) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 500.30 407.63 Td (0.92) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 398.63 Td (Return on risk-weighted assets \(e\)\(f\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 205.25 398.63 Td (\(0.11) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 398.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 224.00 398.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 261.30 398.63 Td (1.85) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 315.30 398.63 Td (1.74) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 446.30 398.63 Td (1.20) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 463.00 398.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 500.30 398.63 Td (1.61) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 39 384.68115234375 m 95.994140625 384.68115234375 l s q 0 0 0 rg BT 39.00 385.63 Td (CAPITAL RATIOS \(f\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 376.63 Td (Tier 1 capital ratio) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 207.25 376.63 Td (11.7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 224.00 376.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 261.30 376.63 Td (11.6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 315.30 376.63 Td (11.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 446.30 376.63 Td (11.7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 463.00 376.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 500.30 376.63 Td (11.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 367.63 Td (Total capital ratio) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 207.25 367.63 Td (14.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 224.00 367.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 261.30 367.63 Td (14.1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 315.30 367.63 Td (14.7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 446.30 367.63 Td (14.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 463.00 367.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 500.30 367.63 Td (14.7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 358.63 Td (Tier 1 common capital ratio \(g\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 207.25 358.63 Td (10.5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 224.00 358.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 261.30 358.63 Td (10.4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 315.30 358.63 Td (10.4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 446.30 358.63 Td (10.5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 463.00 358.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 500.30 358.63 Td (10.4) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 39 340.33115234375 m 177.5537109375 340.33115234375 l s q 0 0 0 rg BT 39.00 341.28 Td (SELECTED BALANCE SHEET DATA \(period-end\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 330.63 Td (Total assets) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 184.00 330.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 192.25 330.63 Td (2,463,309) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 238.00 330.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 246.30 330.63 Td (2,439,494) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 292.00 330.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 300.30 330.63 Td (2,321,284) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 359.65 330.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 396.65 330.63 Td (6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 423.00 330.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 431.30 330.63 Td (2,463,309) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 477.00 330.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 485.30 330.63 Td (2,321,284) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 557.65 330.63 Td (6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 321.63 Td (Loans:) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 45.00 312.63 Td (Consumer, excluding credit card loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 197.25 312.63 Td (288,350) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 251.30 312.63 Td (288,096) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 305.30 312.63 Td (295,079) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 361.00 312.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 394.65 312.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 400.00 312.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 436.30 312.63 Td (288,350) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 490.30 312.63 Td (295,079) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 555.65 312.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 312.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 45.00 303.63 Td (Credit card loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 197.25 303.63 Td (123,982) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 251.30 303.63 Td (124,288) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 305.30 303.63 Td (124,537) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 361.00 303.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 398.00 303.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 436.30 303.63 Td (123,982) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 490.30 303.63 Td (124,537) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 559.00 303.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 45.00 294.63 Td (Wholesale loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 197.25 294.63 Td (316,347) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 251.30 294.63 Td (313,202) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 305.30 294.63 Td (302,331) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 359.65 294.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 396.65 294.63 Td (5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 436.30 294.63 Td (316,347) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 490.30 294.63 Td (302,331) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 557.65 294.63 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 51.00 285.63 Td (Total Loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 197.25 285.63 Td (728,679) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 251.30 285.63 Td (725,586) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 305.30 285.63 Td (721,947) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 361.00 285.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 396.65 285.63 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 436.30 285.63 Td (728,679) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 490.30 285.63 Td (721,947) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 557.65 285.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 276.63 Td (Deposits) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 192.25 276.63 Td (1,281,102) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 246.30 276.63 Td (1,202,950) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 300.30 276.63 Td (1,139,611) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 359.65 276.63 Td (6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 393.30 276.63 Td (12) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 431.30 276.63 Td (1,281,102) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 485.30 276.63 Td (1,139,611) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.30 276.63 Td (12) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 267.63 Td (Common stockholders' equity) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 197.25 267.63 Td (195,512) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 251.30 267.63 Td (197,781) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 305.30 267.63 Td (190,635) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.65 267.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 267.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 396.65 267.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 436.30 267.63 Td (195,512) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 490.30 267.63 Td (190,635) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 557.65 267.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 258.63 Td (Total stockholders' equity) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 197.25 258.63 Td (206,670) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 251.30 258.63 Td (209,239) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 305.30 258.63 Td (199,693) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.65 258.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 258.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 396.65 258.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 436.30 258.63 Td (206,670) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 490.30 258.63 Td (199,693) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 557.65 258.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 245.63 Td (Loans-to-deposits ratio) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 212.25 245.63 Td (57) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 224.00 245.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 266.30 245.63 Td (60) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 278.00 245.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 320.30 245.63 Td (63) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 332.00 245.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 451.30 245.63 Td (57) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 463.00 245.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 505.30 245.63 Td (63) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 517.00 245.63 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 39.00 232.63 Td (Headcount \(h\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 197.25 232.63 Td (255,041) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 251.30 232.63 Td (254,063) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 305.30 232.63 Td (259,144) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 361.00 232.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 394.65 232.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 400.00 232.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 436.30 232.63 Td (255,041) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 490.30 232.63 Td (259,144) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 555.65 232.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 232.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 39 218.68115234375 m 163.669921875 218.68115234375 l s q 0 0 0 rg BT 39.00 219.63 Td (LINE OF BUSINESS NET INCOME/\(LOSS\) \(i\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 210.63 Td (Consumer & Community Banking) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 184.00 210.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 203.95 210.63 Td (2,702) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 238.00 210.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 257.95 210.63 Td (3,089) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 292.00 210.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 210.63 Td (2,355) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 354.30 210.63 Td (\(13) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 210.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 393.30 210.63 Td (15) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 423.00 210.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 442.95 210.63 Td (8,377) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 477.00 210.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.95 210.63 Td (8,562) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 555.65 210.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 210.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 201.63 Td (Corporate & Investment Bank) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 203.95 201.63 Td (2,240) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 257.95 201.63 Td (2,838) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 311.95 201.63 Td (1,992) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 354.30 201.63 Td (\(21) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 201.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 393.30 201.63 Td (12) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 442.95 201.63 Td (7,688) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.95 201.63 Td (6,401) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.30 201.63 Td (20) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 192.63 Td (Commercial Banking) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 208.95 192.63 Td (665) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 262.95 192.63 Td (621) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 316.95 192.63 Td (690) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 359.65 192.63 Td (7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 394.65 192.63 Td (\(4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 400.00 192.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 442.95 192.63 Td (1,882) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.95 192.63 Td (1,954) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 555.65 192.63 Td (\(4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 192.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 183.63 Td (Asset Management) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 208.95 183.63 Td (476) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 262.95 183.63 Td (500) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 316.95 183.63 Td (443) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 357.65 183.63 Td (\(5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 363.00 183.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 396.65 183.63 Td (7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 442.95 183.63 Td (1,463) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 496.95 183.63 Td (1,220) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 554.30 183.63 Td (20) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 174.63 Td (Corporate/Private Equity) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 201.95 174.63 Td (\(6,463) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 219.00 174.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 260.95 174.63 Td (\(552) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 273.00 174.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 316.95 174.63 Td (228) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 352.65 174.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.65 174.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 440.95 174.63 Td (\(6,765) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 458.00 174.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 494.95 174.63 Td (\(2,545) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 512.00 174.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 548.95 174.63 Td (\(166) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 174.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 45.00 165.63 Td (NET INCOME/\(LOSS\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 184.00 165.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 206.95 165.63 Td (\(380) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.00 165.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 238.00 165.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 257.95 165.63 Td (6,496) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 292.00 165.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 311.95 165.63 Td (5,708) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 352.65 165.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 389.65 165.63 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 423.00 165.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 439.60 165.63 Td (12,645) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 477.00 165.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 493.60 165.63 Td (15,592) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 552.30 165.63 Td (\(19) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 561.00 165.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 149.00 Td (\(a\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 149.00 Td (For a further discussion of managed basis, see) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 178.73 149.00 Td ( Note \(b\) on page 13.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 143.00 Td (\(b\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 143.00 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 143.00 Td (angible book value per share and ROTCE are non-GAAP) Tj ET Q q 0 0 0 rg BT 208.98 143.00 Td ( financial measures. ) Tj ET Q q 0 0 0 rg BT 263.89 143.00 Td (T) Tj ET Q q 0 0 0 rg BT 266.89 143.00 Td (angible book value per share represents the Firm's tangible common equity divided by period-end common shares. ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 137.00 Td (ROTCE measures the Firm's annualized earnings as a percentage of tangible common equity) Tj ET Q q 0 0 0 rg BT 302.16 137.00 Td (. For further discussion of these measures, see page 42) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.57 137.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 131.00 Td (\(c\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 131.00 Td (Share price shown for JPMorgan Chase's common stock is from the New ) Tj ET Q q 0 0 0 rg BT 249.78 131.00 Td (Y) Tj ET Q q 0 0 0 rg BT 253.23 131.00 Td (ork Stock Exchange. JPMorgan Chase's common stock is also listed and traded on the London Stock Exchange and the ) Tj ET Q q 0 0 0 rg BT 573.79 131.00 Td (T) Tj ET Q q 0 0 0 rg BT 576.79 131.00 Td (okyo ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 125.00 Td (Stock Exchange.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 99.03 125.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 119.00 Td (\(d\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 119.00 Td (Ratios are based upon annualized amounts.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 171.41 119.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 113.00 Td (\(e\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 113.00 Td (Return on Basel I risk-weighted assets is the annualized earnings of the Firm divided by its average risk-weighted assets.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 375.49 113.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 107.00 Td (\(f\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 107.00 Td (Basel 2.5 rules became ef) Tj ET Q q 0 0 0 rg BT 123.26 107.00 Td (fective for the Firm on January 1, 2013. ) Tj ET Q q 0 0 0 rg BT 229.21 107.00 Td (The implementation of these rules in the first quarter of 2013 resulted in an increase of approximately $150 billion in risk-weighted ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 101.00 Td (assets compared with the Basel I rules. ) Tj ET Q q 0 0 0 rg BT 159.94 101.00 Td (The implementation of these rules also resulted in decreases of the Firm? Tj ET Q q 0 0 0 rg BT 353.26 101.00 Td (s ) Tj ET Q q 0 0 0 rg BT 357.82 101.00 Td (T) Tj ET Q q 0 0 0 rg BT 361.26 101.00 Td (ier 1 capital, ) Tj ET Q q 0 0 0 rg BT 395.17 101.00 Td (T) Tj ET Q q 0 0 0 rg BT 398.17 101.00 Td (otal capital and ) Tj ET Q q 0 0 0 rg BT 440.09 101.00 Td (T) Tj ET Q q 0 0 0 rg BT 443.53 101.00 Td (ier 1 common capital ratios by 140 basis points, 160 ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 95.00 Td (basis points and 120 basis points, respectively) Tj ET Q q 0 0 0 rg BT 176.96 95.00 Td (, at March 31, 2013. For further discussion of Basel 2.5, see Regulatory capital on pages 60-63 of JPMorgan Chase's 2Q13 Form 10-Q.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 89.00 Td (\(g\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 89.00 Td (Basel I ) Tj ET Q q 0 0 0 rg BT 73.90 89.00 Td (T) Tj ET Q q 0 0 0 rg BT 77.34 89.00 Td (ier 1 common capital ratio \(T) Tj ET Q q 0 0 0 rg BT 155.14 89.00 Td (ier 1 common ratio\) is ) Tj ET Q q 0 0 0 rg BT 216.38 89.00 Td (T) Tj ET Q q 0 0 0 rg BT 219.83 89.00 Td (ier 1 common capital \(T) Tj ET Q q 0 0 0 rg BT 284.29 89.00 Td (ier 1 common\) divided by risk-weighted assets. ) Tj ET Q q 0 0 0 rg BT 412.56 89.00 Td (The Firm uses ) Tj ET Q q 0 0 0 rg BT 452.46 89.00 Td (T) Tj ET Q q 0 0 0 rg BT 455.90 89.00 Td (ier 1 common capital along with the other capital ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 83.00 Td (measures to assess and monitor its capital position. For further discussion of the ) Tj ET Q q 0 0 0 rg BT 268.99 83.00 Td (T) Tj ET Q q 0 0 0 rg BT 272.43 83.00 Td (ier 1 common capital ratio, see page 42) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 377.49 83.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 77.00 Td (\(h\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 77.00 Td (Ef) Tj ET Q q 0 0 0 rg BT 59.56 77.00 Td (fective January 1, 2013, interns are excluded from the firmwide and business segment headcount metrics) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 339.04 77.00 Td (. Prior periods were revised to conform with this presentation.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 71.00 Td (\(i\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 71.00 Td (In the second quarter of 2013, the 2012 net income/\(loss\) data of Consumer & Community Banking \("CCB"\) and Corporate/Private Equity were revised to reflect the transfer of certain technology and ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 65.00 Td (operations, as well as real estate-related functions and staf) Tj ET Q q 0 0 0 rg BT 210.31 65.00 Td (f, from Corporate/Private Equity to CCB, ef) Tj ET Q q 0 0 0 rg BT 323.58 65.00 Td (fective January 1, 2013. For further information on this transfer) Tj ET Q q 0 0 0 rg BT 489.33 65.00 Td (, see CCB on page 10, Consumer & ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 59.00 Td (Business Banking on page 12 and Corporate/Private Equity on page 30) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 243.80 59.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 53.00 Td (\(j\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 53.00 Td (On May 21, 2013, the Board of Directors of JPMorgan Chase increased the Firm's quarterly common stock dividend from $0.30 to $0.38 per share.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 36.00 47.00 Td (\(k\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 54.00 47.00 Td (Estimated.) Tj ET Q /GS0 gs q 186.00 0 0 13.00 390.00 730.28 cm /I66 Do Q BT /F1 9.00 Tf ET endstream endobj 35 0 obj <> /View <>>>>> endobj 36 0 obj <> /View <>>>>> endobj 37 0 obj <> endobj 38 0 obj <> endobj 39 0 obj <> stream xy\E?~nM{{wޑ?d??2? HaG?PPA!"???b???h??TLy??uk?uΩo?H""??W?~.Xv?&rm 2\jMgwm'Cڴzl?ycǏ\ rBj?x?\DsV@?{twocmC{Iwl???1zh?1m!t-\q3D?.:yz'Wp[_F=??E"Ǣ?|K&_~?!??wn-az3¦h??V,?2bOo_eSFLlk}Fg[F>|??)EO?ii-ž%7??y??sO$p?oHn3?i@֫X?|?%?-6m5x<|'lC s~?d? r5?]ifx?9ZBT fun88