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Tj ET Q q 0 0 0 rg BT 207.07 342.85 Td (compliant ) Tj ET Q q 0 0 0 rg BT 256.88 342.85 Td (with ) Tj ET Q q 0 0 0 rg BT 280.41 342.85 Td (final ) Tj ET Q q 0 0 0 rg BT 304.55 342.85 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 326.86 342.85 Td (LCR) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 350.09 347.83 Td (6 ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 355.45 342.85 Td (?) Tj ET Q q 0 0 0 rg BT 363.70 342.85 Td (HQLA) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 396.09 347.83 Td (7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.67 342.85 Td ( ) Tj ET Q q 0 0 0 rg BT 402.42 342.85 Td (of ) Tj ET Q q 0 0 0 rg BT 414.33 342.85 Td ($572 ) Tj ET Q q 0 0 0 rg BT 439.08 342.85 Td (billion) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 104.00 326.28 cm /I8 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.00 328.65 Td (Firm ) Tj ET Q q 0 0 0 rg BT 148.57 328.65 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 223.44 328.65 Td (Leverage ) Tj ET Q q 0 0 0 rg BT 269.55 328.65 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 297.97 328.65 Td (\("SLR"\)) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 338.91 333.63 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 342.48 328.65 Td ( ) Tj ET Q q 0 0 0 rg BT 345.23 328.65 Td (of ) Tj ET Q q 0 0 0 rg BT 357.14 328.65 Td (5.5%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 81.00 312.45 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 99.00 312.45 Td (Cor) Tj ET Q q 0 0 0 rg BT 117.13 312.45 Td (e ) Tj ET Q q 0 0 0 rg BT 124.76 312.45 Td (loans) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 149.21 317.43 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 152.79 312.45 Td ( ) Tj ET Q q 0 0 0 rg BT 155.54 312.45 Td (up ) Tj ET Q q 0 0 0 rg BT 170.52 312.45 Td (7% ) Tj ET Q q 0 0 0 rg BT 189.77 312.45 Td (compar) Tj ET Q q 0 0 0 rg BT 225.62 312.45 Td (ed ) Tj ET Q q 0 0 0 rg BT 239.37 312.45 Td (with ) Tj ET Q q 0 0 0 rg BT 262.90 312.45 Td (the ) Tj ET Q q 0 0 0 rg BT 280.31 312.45 Td (prior) Tj ET Q q 0 0 0 rg BT 304.55 312.45 Td ( ) Tj ET Q q 0 0 0 rg BT 307.30 312.45 Td (year) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 81.00 296.25 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 99.00 296.25 Td (JPMorgan ) Tj ET Q q 0 0 0 rg BT 151.85 296.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 183.33 296.25 Td (supported ) Tj ET Q q 0 0 0 rg BT 233.76 296.25 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 289.36 296.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 340.41 296.25 Td (and ) Tj ET Q q 0 0 0 rg BT 360.89 296.25 Td (our) Tj ET Q q 0 0 0 rg BT 377.20 296.25 Td ( ) Tj ET Q q 0 0 0 rg BT 379.95 296.25 Td (communities) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 4.00 0 0 11.00 104.00 279.68 cm /I9 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 282.05 Td ( ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.00 282.05 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 144.00 282.05 Td (trillion ) Tj ET Q q 0 0 0 rg BT 179.14 282.05 Td (of ) Tj ET Q q 0 0 0 rg BT 191.05 282.05 Td (cr) Tj ET Q q 0 0 0 rg BT 200.62 282.05 Td (edit ) Tj ET Q q 0 0 0 rg BT 221.09 282.05 Td (and ) Tj ET Q q 0 0 0 rg BT 241.57 282.05 Td (capital) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 273.35 287.03 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 276.92 282.05 Td ( ) Tj ET Q q 0 0 0 rg BT 279.67 282.05 Td (raised ) Tj ET Q q 0 0 0 rg BT 311.14 282.05 Td (for) Tj ET Q q 0 0 0 rg BT 324.99 282.05 Td ( ) Tj ET Q q 0 0 0 rg BT 327.74 282.05 Td (the ) Tj ET Q q 0 0 0 rg BT 345.15 282.05 Td (first ) Tj ET Q q 0 0 0 rg BT 367.45 282.05 Td (nine ) Tj ET Q q 0 0 0 rg BT 390.37 282.05 Td (months ) Tj ET Q q 0 0 0 rg BT 427.96 282.05 Td (of ) Tj ET Q q 0 0 0 rg BT 439.88 282.05 Td (2014) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 266.48 cm /I10 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 268.85 Td ($145 ) Tj ET Q q 0 0 0 rg BT 173.25 268.85 Td (billion ) Tj ET Q q 0 0 0 rg BT 205.96 268.85 Td (of ) Tj ET Q q 0 0 0 rg BT 217.87 268.85 Td (cr) Tj ET Q q 0 0 0 rg BT 227.44 268.85 Td (edit ) Tj ET Q q 0 0 0 rg BT 247.91 268.85 Td (for) Tj ET Q q 0 0 0 rg BT 261.75 268.85 Td ( ) Tj ET Q q 0 0 0 rg BT 264.50 268.85 Td (consumers) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 253.28 cm /I11 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 255.65 Td ($15 ) Tj ET Q q 0 0 0 rg BT 167.75 255.65 Td (billion ) Tj ET Q q 0 0 0 rg BT 200.46 255.65 Td (of ) Tj ET Q q 0 0 0 rg BT 212.37 255.65 Td (cr) Tj ET Q q 0 0 0 rg BT 221.94 255.65 Td (edit ) Tj ET Q q 0 0 0 rg BT 242.41 255.65 Td (for) Tj ET Q q 0 0 0 rg BT 256.25 255.65 Td ( ) Tj ET Q q 0 0 0 rg BT 259.00 255.65 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 281.32 255.65 Td (small ) Tj ET Q q 0 0 0 rg BT 309.12 255.65 Td (businesses) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 240.08 cm /I12 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 242.45 Td ($464 ) Tj ET Q q 0 0 0 rg BT 173.25 242.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 205.96 242.45 Td (of ) Tj ET Q q 0 0 0 rg BT 217.87 242.45 Td (cr) Tj ET Q q 0 0 0 rg BT 227.44 242.45 Td (edit ) Tj ET Q q 0 0 0 rg BT 247.91 242.45 Td (for) Tj ET Q q 0 0 0 rg BT 261.75 242.45 Td ( ) Tj ET Q q 0 0 0 rg BT 264.50 242.45 Td (corporations) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 226.88 cm /I13 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 229.25 Td ($881 ) Tj ET Q q 0 0 0 rg BT 173.25 229.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 205.96 229.25 Td (of ) Tj ET Q q 0 0 0 rg BT 217.87 229.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 252.40 229.25 Td (raised ) Tj ET Q q 0 0 0 rg BT 283.87 229.25 Td (for) Tj ET Q q 0 0 0 rg BT 297.71 229.25 Td ( ) Tj ET Q q 0 0 0 rg BT 300.46 229.25 Td (clients) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 130.50 213.68 cm /I14 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 216.05 Td ($55 ) Tj ET Q q 0 0 0 rg BT 168.36 216.05 Td (billion ) Tj ET Q q 0 0 0 rg BT 201.67 216.05 Td (of ) Tj ET Q q 0 0 0 rg BT 214.19 216.05 Td (cr) Tj ET Q q 0 0 0 rg BT 223.76 216.05 Td (edit ) Tj ET Q q 0 0 0 rg BT 244.84 216.05 Td (and ) Tj ET Q q 0 0 0 rg BT 265.93 216.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 301.06 216.05 Td (raised ) Tj ET Q q 0 0 0 rg BT 333.14 216.05 Td (for) Tj ET Q q 0 0 0 rg BT 346.98 216.05 Td ( ) Tj ET Q q 0 0 0 rg BT 350.34 216.05 Td (nonpr) Tj ET Q q 0 0 0 rg BT 378.88 216.05 Td (ofit ) Tj ET Q q 0 0 0 rg BT 398.12 216.05 Td (and ) Tj ET Q q 0 0 0 rg BT 419.21 216.05 Td (government ) Tj ET Q q 0 0 0 rg BT 478.77 216.05 Td (entities, ) Tj ET Q q 0 0 0 rg BT 518.48 216.05 Td (including ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 202.85 Td (states, ) Tj ET Q q 0 0 0 rg BT 180.27 202.85 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 251.78 202.85 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 296.10 202.85 Td (and ) Tj ET Q q 0 0 0 rg BT 316.58 202.85 Td (universities) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 104.00 185.28 cm /I15 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.00 187.65 Td (Hir) Tj ET Q q 0 0 0 rg BT 138.30 187.65 Td (ed ) Tj ET Q q 0 0 0 rg BT 152.05 187.65 Td (over) Tj ET Q q 0 0 0 rg BT 172.61 187.65 Td ( ) Tj ET Q q 0 0 0 rg BT 175.36 187.65 Td (7,700 ) Tj ET Q q 0 0 0 rg BT 202.86 187.65 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 225.17 187.65 Td (veterans ) Tj ET Q q 0 0 0 rg BT 267.63 187.65 Td (and ) Tj ET Q q 0 0 0 rg BT 288.12 187.65 Td (service ) Tj ET Q q 0 0 0 rg BT 323.23 187.65 Td (members ) Tj ET Q q 0 0 0 rg BT 369.35 187.65 Td (since ) Tj ET Q q 0 0 0 rg BT 395.32 187.65 Td (201) Tj ET Q q 0 0 0 rg BT 411.22 187.65 Td (1) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 161.95000000000005 m 299.5 161.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 161.95000000000005 m 553.5 161.95000000000005 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 48.00 153.20 Td (Investor Contact:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.24 153.20 Td ( Sarah ) Tj ET Q q 0 0 0 rg BT 135.90 153.20 Td (Y) Tj ET Q q 0 0 0 rg BT 141.49 153.20 Td (oungwood \(212\)?70-7325) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 377.75 153.20 Td (Media Contact:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.49 153.20 Td ( Joe Evangelisti \(212\)?70-7438) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 141.53 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 137.90 Td ( For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 130.75 137.90 Td ( financial measures, including managed basis reporting, see page 12.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 350.23 141.53 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.53 137.90 Td (For additional notes on financial measures, see page 13.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 129.53 Td (2 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 125.90 Td (Percentage comparisons noted in the bullet points are calculated versus the prior) Tj ET Q q 0 0 0 rg BT 308.77 125.90 Td (-year third quarter) Tj ET Q q 0 0 0 rg BT 366.52 125.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 117.53 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 113.90 Td ( ) Tj ET Q q 0 0 0 rg BT 52.16 113.90 Td (Assumes a tax rate of 38% for items that are tax deductible.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 105.53 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 101.90 Td ( ) Tj ET Q q 0 0 0 rg BT 52.46 101.90 Td (The repurchase amount is presented on a trade-date basis.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 93.53 Td (5 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 89.90 Td (Represents ) Tj ET Q q 0 0 0 rg BT 89.00 89.90 Td (the ) Tj ET Q q 0 0 0 rg BT 100.77 89.90 Td (estimated ) Tj ET Q q 0 0 0 rg BT 133.43 89.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 157.20 89.90 Td (of ) Tj ET Q q 0 0 0 rg BT 165.86 89.90 Td (Basel ) Tj ET Q q 0 0 0 rg BT 185.64 89.90 Td (III ) Tj ET Q q 0 0 0 rg BT 195.19 89.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 229.62 89.90 Td (fully ) Tj ET Q q 0 0 0 rg BT 246.73 89.90 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 279.83 89.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 303.15 89.90 Td (rules ) Tj ET Q q 0 0 0 rg BT 320.70 89.90 Td (to ) Tj ET Q q 0 0 0 rg BT 328.92 89.90 Td (which ) Tj ET Q q 0 0 0 rg BT 350.47 89.90 Td (the ) Tj ET Q q 0 0 0 rg BT 362.25 89.90 Td (Firm ) Tj ET Q q 0 0 0 rg BT 379.81 89.90 Td (will ) Tj ET Q q 0 0 0 rg BT 394.25 89.90 Td (be ) Tj ET Q q 0 0 0 rg BT 403.80 89.90 Td (subject ) Tj ET Q q 0 0 0 rg BT 428.46 89.90 Td (to ) Tj ET Q q 0 0 0 rg BT 436.68 89.90 Td (commencing ) Tj ET Q q 0 0 0 rg BT 480.00 89.90 Td (January ) Tj ET Q q 0 0 0 rg BT 506.88 89.90 Td (1, ) Tj ET Q q 0 0 0 rg BT 514.88 89.90 Td (2019.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 81.53 Td (6 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 77.90 Td (In ) Tj ET Q q 0 0 0 rg BT 60.56 77.90 Td (case ) Tj ET Q q 0 0 0 rg BT 76.33 77.90 Td (of ) Tj ET Q q 0 0 0 rg BT 84.99 77.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 101.22 77.90 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 133.00 77.90 Td (Coverage ) Tj ET Q q 0 0 0 rg BT 165.65 77.90 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 184.98 77.90 Td (\("LCR"\), ) Tj ET Q q 0 0 0 rg BT 216.40 77.90 Td (based ) Tj ET Q q 0 0 0 rg BT 236.61 77.90 Td (on ) Tj ET Q q 0 0 0 rg BT 246.61 77.90 Td (the ) Tj ET Q q 0 0 0 rg BT 258.39 77.90 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 280.50 77.90 Td (current ) Tj ET Q q 0 0 0 rg BT 305.15 77.90 Td (understanding ) Tj ET Q q 0 0 0 rg BT 352.48 77.90 Td (of ) Tj ET Q q 0 0 0 rg BT 361.14 77.90 Td (the ) Tj ET Q q 0 0 0 rg BT 372.92 77.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 389.14 77.90 Td (final ) Tj ET Q q 0 0 0 rg BT 405.80 77.90 Td (LCR ) Tj ET Q q 0 0 0 rg BT 423.36 77.90 Td (rules.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 69.53 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 65.90 Td ( ) Tj ET Q q 0 0 0 rg BT 52.60 65.90 Td (High ) Tj ET Q q 0 0 0 rg BT 70.60 65.90 Td (Quality ) Tj ET Q q 0 0 0 rg BT 96.60 65.90 Td (Liquid ) Tj ET Q q 0 0 0 rg BT 119.49 65.90 Td (Assets ) Tj ET Q q 0 0 0 rg BT 142.38 65.90 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 179.03 65.90 Td (is ) Tj ET Q q 0 0 0 rg BT 186.36 65.90 Td (the ) Tj ET Q q 0 0 0 rg BT 198.13 65.90 Td (estimated ) Tj ET Q q 0 0 0 rg BT 230.79 65.90 Td (amount ) Tj ET Q q 0 0 0 rg BT 256.79 65.90 Td (of ) Tj ET Q q 0 0 0 rg BT 265.45 65.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 286.12 65.90 Td (that ) Tj ET Q q 0 0 0 rg BT 300.11 65.90 Td (qualify ) Tj ET Q q 0 0 0 rg BT 324.77 65.90 Td (for ) Tj ET Q q 0 0 0 rg BT 336.10 65.90 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 367.43 65.90 Td (in ) Tj ET Q q 0 0 0 rg BT 375.65 65.90 Td (the ) Tj ET Q q 0 0 0 rg BT 387.43 65.90 Td (final ) Tj ET Q q 0 0 0 rg BT 404.09 65.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 420.31 65.90 Td (LCR ) Tj ET Q q 0 0 0 rg BT 437.87 65.90 Td (rules.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 208.00 0 0 15.00 346.00 729.02 cm /I16 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 24.60 Td (2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 45.00 738.70 Td (New ) Tj ET Q q 0 0 0 rg BT 68.28 738.70 Td (Y) Tj ET Q q 0 0 0 rg BT 75.01 738.70 Td (ork, ) Tj ET Q q 0 0 0 rg BT 97.21 738.70 Td (October) Tj ET Q q 0 0 0 rg BT 135.49 738.70 Td ( ) Tj ET Q q 0 0 0 rg BT 138.44 738.70 Td (14, ) Tj ET Q q 0 0 0 rg BT 155.14 738.70 Td (2014 ) Tj ET Q q 0 0 0 rg BT 180.09 738.70 Td (- ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 186.71 738.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 218.50 738.70 Td (ganChase ) Tj ET Q q 0 0 0 rg BT 271.37 738.70 Td (& ) Tj ET Q q 0 0 0 rg BT 283.92 738.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 304.14 738.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 346.03 738.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 375.26 738.70 Td (today ) Tj ET Q q 0 0 0 rg BT 405.13 738.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 448.33 738.70 Td (net ) Tj ET Q q 0 0 0 rg BT 466.21 738.70 Td (income ) Tj ET Q q 0 0 0 rg BT 504.75 738.70 Td (for ) Tj ET Q q 0 0 0 rg BT 521.96 738.70 Td (the ) Tj ET Q q 0 0 0 rg BT 539.84 738.70 Td (third ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 724.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 81.69 724.30 Td (of ) Tj ET Q q 0 0 0 rg BT 94.40 724.30 Td (2014 ) Tj ET Q q 0 0 0 rg BT 121.12 724.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 133.83 724.30 Td ($5.6 ) Tj ET Q q 0 0 0 rg BT 157.54 724.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 188.88 724.30 Td (, ) Tj ET Q q 0 0 0 rg BT 194.59 724.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 244.62 724.30 Td (with ) Tj ET Q q 0 0 0 rg BT 268.66 724.30 Td (a ) Tj ET Q q 0 0 0 rg BT 276.70 724.30 Td (net ) Tj ET Q q 0 0 0 rg BT 294.08 724.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 315.47 724.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 328.18 724.30 Td ($0.4 ) Tj ET Q q 0 0 0 rg BT 351.89 724.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 383.23 724.30 Td ( ) Tj ET Q q 0 0 0 rg BT 385.94 724.30 Td (in ) Tj ET Q q 0 0 0 rg BT 397.99 724.30 Td (the ) Tj ET Q q 0 0 0 rg BT 415.37 724.30 Td (third ) Tj ET Q q 0 0 0 rg BT 440.74 724.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 477.44 724.30 Td (of ) Tj ET Q q 0 0 0 rg BT 490.15 724.30 Td (2013. ) Tj ET Q q 0 0 0 rg BT 519.86 724.30 Td (Earnings ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 709.90 Td (per ) Tj ET Q q 0 0 0 rg BT 63.00 709.90 Td (share ) Tj ET Q q 0 0 0 rg BT 90.99 709.90 Td (were ) Tj ET Q q 0 0 0 rg BT 116.98 709.90 Td ($) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 122.98 709.90 Td (1.36) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 143.98 709.90 Td (, ) Tj ET Q q 0 0 0 rg BT 149.65 709.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 199.63 709.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 223.64 709.90 Td ($\(0.17\)) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 258.63 709.90 Td ( ) Tj ET Q q 0 0 0 rg BT 261.30 709.90 Td (in ) Tj ET Q q 0 0 0 rg BT 273.31 709.90 Td (the ) Tj ET Q q 0 0 0 rg BT 290.64 709.90 Td (third ) Tj ET Q q 0 0 0 rg BT 315.98 709.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 352.63 709.90 Td (of ) Tj ET Q q 0 0 0 rg BT 365.30 709.90 Td (2013. ) Tj ET Q q 0 0 0 rg BT 394.98 709.90 Td (Revenue) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 436.96 715.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 440.86 709.90 Td ( ) Tj ET Q q 0 0 0 rg BT 443.53 709.90 Td (for ) Tj ET Q q 0 0 0 rg BT 460.20 709.90 Td (the ) Tj ET Q q 0 0 0 rg BT 477.53 709.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 514.18 709.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 535.52 709.90 Td ($25.2 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 695.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 76.34 695.50 Td (, ) Tj ET Q q 0 0 0 rg BT 81.29 695.50 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 95.25 695.50 Td (5) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 101.25 695.50 Td (% ) Tj ET Q q 0 0 0 rg BT 113.20 695.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 162.46 695.50 Td (with ) Tj ET Q q 0 0 0 rg BT 185.75 695.50 Td (the ) Tj ET Q q 0 0 0 rg BT 202.37 695.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 227.65 695.50 Td (year) Tj ET Q q 0 0 0 rg BT 247.64 695.50 Td (. ) Tj ET Q q 0 0 0 rg BT 252.45 695.50 Td (The ) Tj ET Q q 0 0 0 rg BT 273.06 695.50 Td (Firm? 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(year ) Tj ET Q q 0 0 0 rg BT 67.81 496.30 Td (to ) Tj ET Q q 0 0 0 rg BT 79.30 496.30 Td (date, ) Tj ET Q q 0 0 0 rg BT 104.45 496.30 Td (and ) Tj ET Q q 0 0 0 rg BT 123.94 496.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 160.09 496.30 Td (in ) Tj ET Q q 0 0 0 rg BT 171.59 496.30 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 233.06 496.30 Td (Real ) Tj ET Q q 0 0 0 rg BT 257.21 496.30 Td (Estate ) Tj ET Q q 0 0 0 rg BT 288.70 496.30 Td (remains ) Tj ET Q q 0 0 0 rg BT 328.84 496.30 Td (strong. ) Tj ET Q q 0 0 0 rg BT 364.00 496.30 Td (Lastly) Tj ET Q q 0 0 0 rg BT 393.22 496.30 Td (, ) Tj ET Q q 0 0 0 rg BT 397.90 496.30 Td (Asset ) Tj ET Q q 0 0 0 rg BT 426.73 496.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 491.53 496.30 Td (saw ) Tj ET Q q 0 0 0 rg BT 512.35 496.30 Td (its ) Tj ET Q q 0 0 0 rg BT 525.85 496.30 Td (twenty-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 481.90 Td (second ) Tj ET Q q 0 0 0 rg BT 81.32 481.90 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 140.96 481.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 177.94 481.90 Td (of ) Tj ET Q q 0 0 0 rg BT 190.94 481.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 241.26 481.90 Td (inflows, ) Tj ET Q q 0 0 0 rg BT 283.26 481.90 Td (record ) Tj ET Q q 0 0 0 rg BT 316.90 481.90 Td (net ) Tj ET Q q 0 0 0 rg BT 334.56 481.90 Td (income ) Tj ET Q q 0 0 0 rg BT 372.88 481.90 Td (and ) Tj ET Q q 0 0 0 rg BT 393.21 481.90 Td (strong ) Tj ET Q q 0 0 0 rg BT 426.21 481.90 Td (mar) Tj ET Q q 0 0 0 rg BT 444.65 481.90 Td (gins.? Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 461.50 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 83.39 461.50 Td (continued: ) Tj ET Q q 0 0 0 rg BT 139.10 461.50 Td (While ) Tj ET Q q 0 0 0 rg BT 178.80 461.50 Td (challenges ) Tj ET Q q 0 0 0 rg BT 234.50 461.50 Td (remain ) Tj ET Q q 0 0 0 rg BT 272.87 461.50 Td (in ) Tj ET Q q 0 0 0 rg BT 287.26 461.50 Td (the ) Tj ET Q q 0 0 0 rg BT 306.97 461.50 Td (global ) Tj ET Q q 0 0 0 rg BT 342.02 461.50 Td (economic ) Tj ET Q q 0 0 0 rg BT 393.72 461.50 Td (recovery) Tj ET Q q 0 0 0 rg BT 434.91 461.50 Td (, ) Tj ET Q q 0 0 0 rg BT 442.97 461.50 Td (the ) Tj ET Q q 0 0 0 rg BT 462.68 461.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 489.08 461.50 Td (economy ) Tj ET Q q 0 0 0 rg BT 538.12 461.50 Td (is ) Tj ET Q q 0 0 0 rg BT 551.18 461.50 Td (an ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 447.10 Td (exception, ) Tj ET Q q 0 0 0 rg BT 98.20 447.10 Td (showing ) Tj ET Q q 0 0 0 rg BT 142.42 447.10 Td (signs ) Tj ET Q q 0 0 0 rg BT 170.65 447.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.20 447.10 Td (steady ) Tj ET Q q 0 0 0 rg BT 218.40 447.10 Td (improvement. ) Tj ET Q q 0 0 0 rg BT 288.94 447.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 339.69 447.10 Td (America ) Tj ET Q q 0 0 0 rg BT 384.55 447.10 Td (is ) Tj ET Q q 0 0 0 rg BT 396.11 447.10 Td (in ) Tj ET Q q 0 0 0 rg BT 408.99 447.10 Td (good ) Tj ET Q q 0 0 0 rg BT 436.55 447.10 Td (shape ) Tj ET Q q 0 0 0 rg BT 467.42 447.10 Td (with ) Tj ET Q q 0 0 0 rg BT 492.31 447.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 525.86 447.10 Td (balance ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 432.70 Td (sheets ) Tj ET Q q 0 0 0 rg BT 76.56 432.70 Td (and ) Tj ET Q q 0 0 0 rg BT 96.12 432.70 Td (employment ) Tj ET Q q 0 0 0 rg BT 158.35 432.70 Td (trends ) Tj ET Q q 0 0 0 rg BT 189.91 432.70 Td (continue ) Tj ET Q q 0 0 0 rg BT 233.46 432.70 Td (to ) Tj ET Q q 0 0 0 rg BT 245.03 432.70 Td (be ) Tj ET Q q 0 0 0 rg BT 258.59 432.70 Td (positive. ) Tj ET Q q 0 0 0 rg BT 301.83 432.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 333.62 432.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 353.18 432.70 Td (continued ) Tj ET Q q 0 0 0 rg BT 402.74 432.70 Td (to ) Tj ET Q q 0 0 0 rg BT 414.31 432.70 Td (support ) Tj ET Q q 0 0 0 rg BT 452.54 432.70 Td (the ) Tj ET Q q 0 0 0 rg BT 469.44 432.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 518.32 432.70 Td (recovery) Tj ET Q q 0 0 0 rg BT 559.51 432.70 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 418.30 Td (W) Tj ET Q q 0 0 0 rg BT 55.37 418.30 Td (e ) Tj ET Q q 0 0 0 rg BT 64.40 418.30 Td (provided ) Tj ET Q q 0 0 0 rg BT 110.76 418.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 141.78 418.30 Td (and ) Tj ET Q q 0 0 0 rg BT 162.81 418.30 Td (raised ) Tj ET Q q 0 0 0 rg BT 195.17 418.30 Td (capital) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 227.15 423.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 231.05 418.30 Td ( ) Tj ET Q q 0 0 0 rg BT 234.75 418.30 Td (of ) Tj ET Q q 0 0 0 rg BT 248.45 418.30 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 273.16 418.30 Td (trillion ) Tj ET Q q 0 0 0 rg BT 309.53 418.30 Td (for ) Tj ET Q q 0 0 0 rg BT 327.22 418.30 Td (our ) Tj ET Q q 0 0 0 rg BT 346.92 418.30 Td (clients ) Tj ET Q q 0 0 0 rg BT 381.95 418.30 Td (during ) Tj ET Q q 0 0 0 rg BT 416.99 418.30 Td (the ) Tj ET Q q 0 0 0 rg BT 435.35 418.30 Td (first ) Tj ET Q q 0 0 0 rg BT 458.39 418.30 Td (nine ) Tj ET Q q 0 0 0 rg BT 482.75 418.30 Td (months ) Tj ET Q q 0 0 0 rg BT 521.79 418.30 Td (of ) Tj ET Q q 0 0 0 rg BT 535.49 418.30 Td (2014, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 403.90 Td (which ) Tj ET Q q 0 0 0 rg BT 77.33 403.90 Td (included ) Tj ET Q q 0 0 0 rg BT 121.65 403.90 Td ($15 ) Tj ET Q q 0 0 0 rg BT 142.65 403.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 176.98 403.90 Td (for ) Tj ET Q q 0 0 0 rg BT 193.97 403.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 218.31 403.90 Td (small ) Tj ET Q q 0 0 0 rg BT 247.31 403.90 Td (businesses.") Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 383.50 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 80.14 383.50 Td (concluded: ) Tj ET Q q 0 0 0 rg BT 134.59 383.50 Td (Despite ) Tj ET Q q 0 0 0 rg BT 178.38 383.50 Td (challenges, ) Tj ET Q q 0 0 0 rg BT 233.83 383.50 Td (we ) Tj ET Q q 0 0 0 rg BT 249.63 383.50 Td (have ) Tj ET Q q 0 0 0 rg BT 274.09 383.50 Td (continued ) Tj ET Q q 0 0 0 rg BT 323.21 383.50 Td (to ) Tj ET Q q 0 0 0 rg BT 334.35 383.50 Td (deliver ) Tj ET Q q 0 0 0 rg BT 369.48 383.50 Td (strong ) Tj ET Q q 0 0 0 rg BT 401.28 383.50 Td (underlying ) Tj ET Q q 0 0 0 rg BT 455.08 383.50 Td (performance, ) Tj ET Q q 0 0 0 rg BT 520.51 383.50 Td (maintain ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 369.10 Td (our ) Tj ET Q q 0 0 0 rg BT 64.75 369.10 Td (fortress ) Tj ET Q q 0 0 0 rg BT 104.50 369.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 144.89 369.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 173.30 369.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.38 369.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 234.28 369.10 Td (, ) Tj ET Q q 0 0 0 rg BT 241.03 369.10 Td (simplify ) Tj ET Q q 0 0 0 rg BT 284.79 369.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.21 369.10 Td (business ) Tj ET Q q 0 0 0 rg BT 347.63 369.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.71 369.10 Td (adapt ) Tj ET Q q 0 0 0 rg BT 398.46 369.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.54 369.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 464.61 369.10 Td (changes. ) Tj ET Q q 0 0 0 rg BT 509.75 369.10 Td (W) Tj ET Q q 0 0 0 rg BT 520.11 369.10 Td (e ) Tj ET Q q 0 0 0 rg BT 529.19 369.10 Td (remain ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 354.70 Td (very ) Tj ET Q q 0 0 0 rg BT 68.93 354.70 Td (focused ) Tj ET Q q 0 0 0 rg BT 108.86 354.70 Td (on ) Tj ET Q q 0 0 0 rg BT 123.46 354.70 Td (executing ) Tj ET Q q 0 0 0 rg BT 172.72 354.70 Td (the ) Tj ET Q q 0 0 0 rg BT 189.98 354.70 Td (control ) Tj ET Q q 0 0 0 rg BT 226.58 354.70 Td (agenda ) Tj ET Q q 0 0 0 rg BT 263.17 354.70 Td (and ) Tj ET Q q 0 0 0 rg BT 283.10 354.70 Td (investing ) Tj ET Q q 0 0 0 rg BT 329.71 354.70 Td (to ) Tj ET Q q 0 0 0 rg BT 341.65 354.70 Td (protect ) Tj ET Q q 0 0 0 rg BT 377.57 354.70 Td (our ) Tj ET Q q 0 0 0 rg BT 396.18 354.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 447.44 354.70 Td (and ) Tj ET Q q 0 0 0 rg BT 467.37 354.70 Td (the ) Tj ET Q q 0 0 0 rg BT 484.64 354.70 Td (company ) Tj ET Q q 0 0 0 rg BT 531.23 354.70 Td (for ) Tj ET Q q 0 0 0 rg BT 547.83 354.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 340.30 Td (future.? Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 322.30 Td (In the discussion below of the business segments and of JPMor) Tj ET Q q 0 0 0 rg BT 296.83 322.30 Td (gan Chase as a Firm, information is pr) Tj ET Q q 0 0 0 rg BT 453.13 322.30 Td (esented on a managed ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 310.30 Td (basis. For mor) Tj ET Q q 0 0 0 rg BT 103.80 310.30 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 359.72 310.30 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 429.35 310.30 Td (es used by management to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 298.30 Td (evaluate the performance of each line of business, see page 12. The following discussion compar) Tj ET Q q 0 0 0 rg BT 432.35 298.30 Td (es the thir) Tj ET Q q 0 0 0 rg BT 471.97 298.30 Td (d quarters of 2014 ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 286.30 Td (and 2013 unless otherwise noted. Footnotes in the sections that follow ar) Tj ET Q q 0 0 0 rg BT 337.39 286.30 Td (e described on page 13.) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (CONSUMER & COMMUNITY) Tj ET Q q 0 0 0 rg BT 206.91 740.90 Td ( BANKING \(CCB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 730.4 m 50.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 730.4 m 231.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 231.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 276.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 730.4 m 280.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 280.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 325.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 730.4 m 329.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 730.4 m 329.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 730.4 m 374.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 730.4 m 378.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 730.4 m 378.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 730.4 m 423.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 715.4 m 423.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 730.4 m 468.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 715.4 m 468.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 730.4 m 472.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 715.4 m 472.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 730.4 m 472.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 730.4 m 517.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 715.4 m 517.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 730.4 m 562.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 730.4 m 562.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 562.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 715.4 m 50.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 715.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 276.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 700.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 715.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 325.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 700.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 715.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 374.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 700.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 715.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 715.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 468.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 700.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 715.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 715.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 50.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 276.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 276.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 685.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 325.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 685.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 374.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 685.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 468.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 468.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 685.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 700.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 50.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 276.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 276.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 670.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 325.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 670.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 374.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 670.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 468.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 468.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 670.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 685.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 50.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 276.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 276.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 655.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 325.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 655.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 374.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 655.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 468.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 468.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 655.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 670.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 50.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 640.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 276.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 640.4 m 276.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 640.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 640.4 m 325.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 640.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 640.4 m 374.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 640.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 640.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 468.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 640.4 m 468.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 640.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 640.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 655.4 m 562.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 640.4 m 562.5 640.4 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 720.27 Td (Results for CCB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 720.27 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 720.27 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 705.27 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 705.27 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 705.27 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 705.27 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 690.27 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 690.27 Td (11,267) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 690.27 Td (11,431) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 690.27 Td (11,082) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 690.27 Td (\(164) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 690.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 690.27 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 690.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 690.27 Td (185) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 690.27 Td (2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 690.27 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 675.27 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 675.27 Td (902) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 675.27 Td (852) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 350.10 675.27 Td (\(267) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 675.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 675.27 Td (50) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 675.27 Td (6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 488.50 675.27 Td (1,169) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 675.27 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 660.27 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 660.27 Td (6,305) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 660.27 Td (6,456) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 660.27 Td (6,867) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 660.27 Td (\(151) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 660.27 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 660.27 Td (\(562) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 660.27 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 645.27 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 645.27 Td (2,468) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 645.27 Td (2,443) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 645.27 Td (2,702) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 645.27 Td (25) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 645.27 Td (1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 645.27 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 645.27 Td (\(234) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 645.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 645.27 Td (\(9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 645.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 614.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 614.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 614.50 Td (Results: ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 600.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.01 600.10 Td (income ) Tj ET Q q 0 0 0 rg BT 108.01 600.10 Td (was ) Tj ET Q q 0 0 0 rg BT 129.35 600.10 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 153.04 600.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 190.06 600.10 Td (a ) Tj ET Q q 0 0 0 rg BT 198.06 600.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 242.04 600.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.72 600.10 Td ($234 ) Tj ET Q q 0 0 0 rg BT 281.40 600.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 321.75 600.10 Td (or ) Tj ET Q q 0 0 0 rg BT 334.43 600.10 Td (9%, ) Tj ET Q q 0 0 0 rg BT 356.11 600.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 406.10 600.10 Td (with ) Tj ET Q q 0 0 0 rg BT 430.12 600.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.46 600.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 473.47 600.10 Td (year) Tj ET Q q 0 0 0 rg BT 493.64 600.10 Td (, ) Tj ET Q q 0 0 0 rg BT 499.32 600.10 Td (due ) Tj ET Q q 0 0 0 rg BT 519.33 600.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.34 600.10 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 585.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 98.33 585.70 Td (for ) Tj ET Q q 0 0 0 rg BT 115.33 585.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.64 585.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 180.31 585.70 Td (lar) Tj ET Q q 0 0 0 rg BT 192.75 585.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 216.41 585.70 Td (of) Tj ET Q q 0 0 0 rg BT 226.19 585.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 246.52 585.70 Td (by ) Tj ET Q q 0 0 0 rg BT 261.52 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 291.84 585.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 348.16 585.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 389.81 585.70 Td (and ) Tj ET Q q 0 0 0 rg BT 410.13 585.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 443.79 585.70 Td (net ) Tj ET Q q 0 0 0 rg BT 461.45 585.70 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 565.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.75 565.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.15 565.30 Td (was ) Tj ET Q q 0 0 0 rg BT 131.23 565.30 Td ($1) Tj ET Q q 0 0 0 rg BT 142.79 565.30 Td (1.3 ) Tj ET Q q 0 0 0 rg BT 160.21 565.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 196.97 565.30 Td (an ) Tj ET Q q 0 0 0 rg BT 210.72 565.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 252.44 565.30 Td (of ) Tj ET Q q 0 0 0 rg BT 264.86 565.30 Td ($185 ) Tj ET Q q 0 0 0 rg BT 291.29 565.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 331.38 565.30 Td (or ) Tj ET Q q 0 0 0 rg BT 343.80 565.30 Td (2%, ) Tj ET Q q 0 0 0 rg BT 365.22 565.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 414.95 565.30 Td (with ) Tj ET Q q 0 0 0 rg BT 438.71 565.30 Td (the ) Tj ET Q q 0 0 0 rg BT 455.79 565.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.54 565.30 Td (year) Tj ET Q q 0 0 0 rg BT 501.52 565.30 Td (. ) Tj ET Q q 0 0 0 rg BT 506.95 565.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.70 565.30 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 550.90 Td (income ) Tj ET Q q 0 0 0 rg BT 89.77 550.90 Td (was ) Tj ET Q q 0 0 0 rg BT 112.88 550.90 Td ($7.1 ) Tj ET Q q 0 0 0 rg BT 138.33 550.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 177.12 550.90 Td (down ) Tj ET Q q 0 0 0 rg BT 208.24 550.90 Td ($68 ) Tj ET Q q 0 0 0 rg BT 230.69 550.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 272.81 550.90 Td (or ) Tj ET Q q 0 0 0 rg BT 287.25 550.90 Td (1%, ) Tj ET Q q 0 0 0 rg BT 310.70 550.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 345.80 550.90 Td (by ) Tj ET Q q 0 0 0 rg BT 362.25 550.90 Td (spread ) Tj ET Q q 0 0 0 rg BT 398.02 550.90 Td (compression ) Tj ET Q q 0 0 0 rg BT 463.13 550.90 Td (and ) Tj ET Q q 0 0 0 rg BT 484.91 550.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 516.68 550.90 Td (mortgage ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 536.50 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 103.79 536.50 Td (balances, ) Tj ET Q q 0 0 0 rg BT 150.57 536.50 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 223.03 536.50 Td (of) Tj ET Q q 0 0 0 rg BT 232.81 536.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 252.61 536.50 Td (by ) Tj ET Q q 0 0 0 rg BT 267.09 536.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 300.22 536.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 337.36 536.50 Td (balances. ) Tj ET Q q 0 0 0 rg BT 384.14 536.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 442.60 536.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 483.05 536.50 Td (was ) Tj ET Q q 0 0 0 rg BT 504.19 536.50 Td ($4.2 ) Tj ET Q q 0 0 0 rg BT 527.67 536.50 Td (billion, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 522.10 Td (an ) Tj ET Q q 0 0 0 rg BT 64.48 522.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 106.94 522.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.09 522.10 Td ($253 ) Tj ET Q q 0 0 0 rg BT 147.25 522.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 188.07 522.10 Td (or ) Tj ET Q q 0 0 0 rg BT 201.22 522.10 Td (6%, ) Tj ET Q q 0 0 0 rg BT 223.38 522.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 257.19 522.10 Td (by ) Tj ET Q q 0 0 0 rg BT 272.34 522.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.82 522.10 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 349.95 522.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 373.77 522.10 Td (in ) Tj ET Q q 0 0 0 rg BT 386.25 522.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 436.06 522.10 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 482.88 522.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 516.69 522.10 Td (mortgage ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 507.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 72.32 507.70 Td (and ) Tj ET Q q 0 0 0 rg BT 92.64 507.70 Td (related ) Tj ET Q q 0 0 0 rg BT 128.29 507.70 Td (income ) Tj ET Q q 0 0 0 rg BT 166.61 507.70 Td (and ) Tj ET Q q 0 0 0 rg BT 186.93 507.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 220.59 507.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 276.25 507.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 317.22 507.70 Td (in ) Tj ET Q q 0 0 0 rg BT 329.56 507.70 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 381.89 507.70 Td (& ) Tj ET Q q 0 0 0 rg BT 394.22 507.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 439.89 507.70 Td (Banking.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 487.30 Td (The ) Tj ET Q q 0 0 0 rg BT 70.32 487.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 117.32 487.30 Td (for ) Tj ET Q q 0 0 0 rg BT 132.98 487.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 161.97 487.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 192.30 487.30 Td (was ) Tj ET Q q 0 0 0 rg BT 212.63 487.30 Td ($902 ) Tj ET Q q 0 0 0 rg BT 238.30 487.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 277.64 487.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 326.61 487.30 Td (with ) Tj ET Q q 0 0 0 rg BT 349.61 487.30 Td (a ) Tj ET Q q 0 0 0 rg BT 356.61 487.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 391.59 487.30 Td (of ) Tj ET Q q 0 0 0 rg BT 403.25 487.30 Td ($267 ) Tj ET Q q 0 0 0 rg BT 428.92 487.30 Td (million ) Tj ET Q q 0 0 0 rg BT 465.26 487.30 Td (in ) Tj ET Q q 0 0 0 rg BT 476.26 487.30 Td (the ) Tj ET Q q 0 0 0 rg BT 492.58 487.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 517.58 487.30 Td (year) Tj ET Q q 0 0 0 rg BT 537.56 487.30 Td (.? Tj ET Q q 0 0 0 rg BT 543.35 487.30 Td (The ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 472.90 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 125.56 472.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 174.51 472.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 220.08 472.90 Td (a ) Tj ET Q q 0 0 0 rg BT 229.02 472.90 Td ($200 ) Tj ET Q q 0 0 0 rg BT 256.63 472.90 Td (million ) Tj ET Q q 0 0 0 rg BT 294.91 472.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 343.84 472.90 Td (in ) Tj ET Q q 0 0 0 rg BT 356.79 472.90 Td (the ) Tj ET Q q 0 0 0 rg BT 375.06 472.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 427.31 472.90 Td (for ) Tj ET Q q 0 0 0 rg BT 444.91 472.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 469.18 472.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 501.46 472.90 Td (and ) Tj ET Q q 0 0 0 rg BT 522.40 472.90 Td (total ) Tj ET Q q 0 0 0 rg BT 547.34 472.90 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 458.50 Td (char) Tj ET Q q 0 0 0 rg BT 70.43 458.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 95.53 458.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 107.52 458.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.83 458.50 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 145.14 458.50 Td (billion. ) Tj ET Q q 0 0 0 rg BT 182.56 458.50 Td (The ) Tj ET Q q 0 0 0 rg BT 204.53 458.50 Td (prior) Tj ET Q q 0 0 0 rg BT 227.62 458.50 Td (-year ) Tj ET Q q 0 0 0 rg BT 255.58 458.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 304.23 458.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 349.51 458.50 Td (a ) Tj ET Q q 0 0 0 rg BT 358.15 458.50 Td ($1.6billion ) Tj ET Q q 0 0 0 rg BT 416.80 458.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 465.44 458.50 Td (in ) Tj ET Q q 0 0 0 rg BT 478.09 458.50 Td (the ) Tj ET Q q 0 0 0 rg BT 496.06 458.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 548.02 458.50 Td (for ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 444.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 73.66 444.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 105.33 444.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.66 444.10 Td (total ) Tj ET Q q 0 0 0 rg BT 149.98 444.10 Td (net ) Tj ET Q q 0 0 0 rg BT 167.64 444.10 Td (char) Tj ET Q q 0 0 0 rg BT 188.08 444.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 213.18 444.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 224.84 444.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.84 444.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 261.84 444.10 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 423.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.30 423.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.26 423.70 Td (was ) Tj ET Q q 0 0 0 rg BT 170.24 423.70 Td ($6.3 ) Tj ET Q q 0 0 0 rg BT 193.55 423.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 230.20 423.70 Td (a ) Tj ET Q q 0 0 0 rg BT 237.84 423.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 281.45 423.70 Td (of ) Tj ET Q q 0 0 0 rg BT 293.76 423.70 Td ($562 ) Tj ET Q q 0 0 0 rg BT 320.07 423.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 360.05 423.70 Td (or ) Tj ET Q q 0 0 0 rg BT 372.36 423.70 Td (8%, ) Tj ET Q q 0 0 0 rg BT 393.67 423.70 Td (from ) Tj ET Q q 0 0 0 rg BT 419.31 423.70 Td (the ) Tj ET Q q 0 0 0 rg BT 436.28 423.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 461.92 423.70 Td (year) Tj ET Q q 0 0 0 rg BT 482.09 423.70 Td (, ) Tj ET Q q 0 0 0 rg BT 487.40 423.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 520.37 423.70 Td (by ) Tj ET Q q 0 0 0 rg BT 534.68 423.70 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 409.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 98.94 409.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 141.89 409.30 Td (expense, ) Tj ET Q q 0 0 0 rg BT 185.82 409.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 228.10 409.30 Td (of) Tj ET Q q 0 0 0 rg BT 237.88 409.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 257.49 409.30 Td (by ) Tj ET Q q 0 0 0 rg BT 271.77 409.30 Td (an ) Tj ET Q q 0 0 0 rg BT 285.39 409.30 Td (accrual ) Tj ET Q q 0 0 0 rg BT 322.31 409.30 Td (related ) Tj ET Q q 0 0 0 rg BT 357.24 409.30 Td (to ) Tj ET Q q 0 0 0 rg BT 368.86 409.30 Td (Home ) Tj ET Q q 0 0 0 rg BT 400.47 409.30 Td (Depot ) Tj ET Q q 0 0 0 rg BT 432.08 409.30 Td (fraud ) Tj ET Q q 0 0 0 rg BT 459.69 409.30 Td (and ) Tj ET Q q 0 0 0 rg BT 479.30 409.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 511.74 409.30 Td (Auto ) Tj ET Q q 0 0 0 rg BT 538.03 409.30 Td (lease ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 394.90 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 112.30 394.90 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 360.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 360.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 360.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 360.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 360.10 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 351.14 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 256.01 345.70 Td ( ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 328.71 cm /I17 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 331.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 331.30 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 331.30 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 331.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 331.30 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 331.30 Td (19% ) Tj ET Q q 0 0 0 rg BT 234.31 331.30 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 331.30 Td ($51.0 ) Tj ET Q q 0 0 0 rg BT 279.31 331.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.65 331.30 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 331.30 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 331.30 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 331.30 Td (capital) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 445.23 336.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 449.13 331.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 314.31 cm /I18 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 316.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 316.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.13 316.90 Td (total ) Tj ET Q q 0 0 0 rg BT 171.83 316.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 214.55 316.90 Td (were ) Tj ET Q q 0 0 0 rg BT 241.24 316.90 Td ($492.0 ) Tj ET Q q 0 0 0 rg BT 277.62 316.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 315.33 316.90 Td (up ) Tj ET Q q 0 0 0 rg BT 330.71 316.90 Td (8% ) Tj ET Q q 0 0 0 rg BT 350.08 316.90 Td (from ) Tj ET Q q 0 0 0 rg BT 376.79 316.90 Td (the ) Tj ET Q q 0 0 0 rg BT 394.82 316.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.53 316.90 Td (year ) Tj ET Q q 0 0 0 rg BT 445.55 316.90 Td (and ) Tj ET Q q 0 0 0 rg BT 466.26 316.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 485.63 316.90 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 316.90 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 302.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 302.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 302.50 Td (. ) Tj ET Q q 0 0 0 rg BT 169.64 302.50 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 209.30 302.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 224.30 302.50 Td (in ) Tj ET Q q 0 0 0 rg BT 236.63 302.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 274.30 302.50 Td (growth ) Tj ET Q q 0 0 0 rg BT 311.29 302.50 Td (for ) Tj ET Q q 0 0 0 rg BT 328.29 302.50 Td (the ) Tj ET Q q 0 0 0 rg BT 345.95 302.50 Td (third ) Tj ET Q q 0 0 0 rg BT 371.61 302.50 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 431.25 302.50 Td (year) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 451.90 307.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 455.80 302.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 285.51 cm /I19 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 288.10 Td (Record ) Tj ET Q q 0 0 0 rg BT 141.59 288.10 Td (client ) Tj ET Q q 0 0 0 rg BT 171.18 288.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 226.78 288.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 257.71 288.10 Td (were ) Tj ET Q q 0 0 0 rg BT 283.96 288.10 Td ($207.8 ) Tj ET Q q 0 0 0 rg BT 319.90 288.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 357.17 288.10 Td (up ) Tj ET Q q 0 0 0 rg BT 372.11 288.10 Td (16% ) Tj ET Q q 0 0 0 rg BT 397.04 288.10 Td (from ) Tj ET Q q 0 0 0 rg BT 423.30 288.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.90 288.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.16 288.10 Td (year ) Tj ET Q q 0 0 0 rg BT 490.75 288.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.01 288.10 Td (1% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 273.70 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 273.70 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 273.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 273.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 273.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 256.71 cm /I20 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 259.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 150.04 259.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 194.07 259.30 Td (originations ) Tj ET Q q 0 0 0 rg BT 254.76 259.30 Td (were ) Tj ET Q q 0 0 0 rg BT 281.44 259.30 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 305.80 259.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 343.50 259.30 Td (up ) Tj ET Q q 0 0 0 rg BT 358.87 259.30 Td (27% ) Tj ET Q q 0 0 0 rg BT 384.23 259.30 Td (from ) Tj ET Q q 0 0 0 rg BT 410.92 259.30 Td (the ) Tj ET Q q 0 0 0 rg BT 428.95 259.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 455.64 259.30 Td (year ) Tj ET Q q 0 0 0 rg BT 479.65 259.30 Td (and ) Tj ET Q q 0 0 0 rg BT 500.34 259.30 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 244.90 Td (14% ) Tj ET Q q 0 0 0 rg BT 129.31 244.90 Td (from ) Tj ET Q q 0 0 0 rg BT 155.94 244.90 Td (the ) Tj ET Q q 0 0 0 rg BT 173.91 244.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.55 244.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 233.87 244.90 Td (. ) Tj ET Q q 0 0 0 rg BT 239.45 244.90 Td (A) Tj ET Q q 0 0 0 rg BT 247.22 244.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 282.51 244.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 328.49 244.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 372.47 244.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 401.11 244.90 Td (were ) Tj ET Q q 0 0 0 rg BT 427.73 244.90 Td ($19.5 ) Tj ET Q q 0 0 0 rg BT 458.04 244.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 495.69 244.90 Td (up ) Tj ET Q q 0 0 0 rg BT 511.00 244.90 Td (5% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 230.50 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 230.50 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 230.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 230.50 Td (year ) Tj ET Q q 0 0 0 rg BT 197.96 230.50 Td (and ) Tj ET Q q 0 0 0 rg BT 218.29 230.50 Td (1% ) Tj ET Q q 0 0 0 rg BT 237.28 230.50 Td (from ) Tj ET Q q 0 0 0 rg BT 263.61 230.50 Td (the ) Tj ET Q q 0 0 0 rg BT 281.27 230.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 307.60 230.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 340.91 230.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 213.51 cm /I21 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 216.10 Td (Over ) Tj ET Q q 0 0 0 rg BT 130.49 216.10 Td ($600 ) Tj ET Q q 0 0 0 rg BT 157.00 216.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.83 216.10 Td (or ) Tj ET Q q 0 0 0 rg BT 206.33 216.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 278.15 216.10 Td (16% ) Tj ET Q q 0 0 0 rg BT 302.65 216.10 Td (of ) Tj ET Q q 0 0 0 rg BT 315.15 216.10 Td (total ) Tj ET Q q 0 0 0 rg BT 338.98 216.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 362.82 216.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 392.64 216.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.47 216.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 438.97 216.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 484.12 216.10 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 520.11 221.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 524.01 216.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 199.11 cm /I22 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 201.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 136.09 201.70 Td (card ) Tj ET Q q 0 0 0 rg BT 158.83 201.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 184.25 201.70 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 220.25 207.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 224.15 201.70 Td ( ) Tj ET Q q 0 0 0 rg BT 226.24 201.70 Td (was ) Tj ET Q q 0 0 0 rg BT 247.00 201.70 Td ($1) Tj ET Q q 0 0 0 rg BT 258.55 201.70 Td (19.5 ) Tj ET Q q 0 0 0 rg BT 281.65 201.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 318.08 201.70 Td (up ) Tj ET Q q 0 0 0 rg BT 332.17 201.70 Td (12% ) Tj ET Q q 0 0 0 rg BT 356.26 201.70 Td (from ) Tj ET Q q 0 0 0 rg BT 381.68 201.70 Td (the ) Tj ET Q q 0 0 0 rg BT 398.44 201.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.86 201.70 Td (year) Tj ET Q q 0 0 0 rg BT 443.85 201.70 Td (. ) Tj ET Q q 0 0 0 rg BT 448.94 201.70 Td (General ) Tj ET Q q 0 0 0 rg BT 489.01 201.70 Td (purpose ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 187.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 132.84 187.30 Td (card ) Tj ET Q q 0 0 0 rg BT 155.01 187.30 Td (sales ) Tj ET Q q 0 0 0 rg BT 179.85 187.30 Td (volume ) Tj ET Q q 0 0 0 rg BT 217.37 187.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 252.88 187.30 Td (has ) Tj ET Q q 0 0 0 rg BT 270.40 187.30 Td (outperformed ) Tj ET Q q 0 0 0 rg BT 337.23 187.30 Td (the ) Tj ET Q q 0 0 0 rg BT 353.41 187.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 394.26 187.30 Td (for ) Tj ET Q q 0 0 0 rg BT 409.78 187.30 Td (26 ) Tj ET Q q 0 0 0 rg BT 423.30 187.30 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 481.46 187.30 Td (quarters) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 520.11 192.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 524.01 187.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 170.31 cm /I23 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 172.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.02 172.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 191.38 172.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 217.07 172.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 240.09 172.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 283.76 172.90 Td (were ) Tj ET Q q 0 0 0 rg BT 309.44 172.90 Td ($127.0 ) Tj ET Q q 0 0 0 rg BT 344.81 172.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 381.51 172.90 Td (up ) Tj ET Q q 0 0 0 rg BT 395.87 172.90 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 419.23 172.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 455.93 172.90 Td (or ) Tj ET Q q 0 0 0 rg BT 468.29 172.90 Td (2% ) Tj ET Q q 0 0 0 rg BT 486.66 172.90 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 172.90 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 158.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 158.50 Td (year) Tj ET Q q 0 0 0 rg BT 150.31 158.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 141.51 cm /I24 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 144.10 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 152.20 144.10 Td (processing ) Tj ET Q q 0 0 0 rg BT 205.75 144.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 243.96 144.10 Td (was ) Tj ET Q q 0 0 0 rg BT 264.85 144.10 Td ($213.3 ) Tj ET Q q 0 0 0 rg BT 300.07 144.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 336.63 144.10 Td (up ) Tj ET Q q 0 0 0 rg BT 350.85 144.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 375.07 144.10 Td (from ) Tj ET Q q 0 0 0 rg BT 400.61 144.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.50 144.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 443.05 144.10 Td (year ) Tj ET Q q 0 0 0 rg BT 465.92 144.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.46 144.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 503.68 144.10 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 129.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.15 129.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 146.96 129.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 180.28 129.70 Td (. ) Tj ET Q q 0 0 0 rg BT 185.58 129.70 Td (T) Tj ET Q q 0 0 0 rg BT 192.08 129.70 Td (otal ) Tj ET Q q 0 0 0 rg BT 212.56 129.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 272.36 129.70 Td (processed ) Tj ET Q q 0 0 0 rg BT 322.16 129.70 Td (were ) Tj ET Q q 0 0 0 rg BT 347.97 129.70 Td (9.4 ) Tj ET Q q 0 0 0 rg BT 365.45 129.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 402.28 129.70 Td (up ) Tj ET Q q 0 0 0 rg BT 416.76 129.70 Td (6% ) Tj ET Q q 0 0 0 rg BT 435.25 129.70 Td (from ) Tj ET Q q 0 0 0 rg BT 461.06 129.70 Td (the ) Tj ET Q q 0 0 0 rg BT 478.21 129.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 504.02 129.70 Td (year) Tj ET Q q 0 0 0 rg BT 524.01 129.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 112.71 cm /I25 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 115.30 Td (Auto ) Tj ET Q q 0 0 0 rg BT 131.67 115.30 Td (originations ) Tj ET Q q 0 0 0 rg BT 192.67 115.30 Td (were ) Tj ET Q q 0 0 0 rg BT 219.66 115.30 Td ($6.8 ) Tj ET Q q 0 0 0 rg BT 244.33 115.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 282.34 115.30 Td (up ) Tj ET Q q 0 0 0 rg BT 298.01 115.30 Td (6% ) Tj ET Q q 0 0 0 rg BT 317.68 115.30 Td (from ) Tj ET Q q 0 0 0 rg BT 344.68 115.30 Td (the ) Tj ET Q q 0 0 0 rg BT 363.01 115.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 390.01 115.30 Td (year ) Tj ET Q q 0 0 0 rg BT 414.33 115.30 Td (and ) Tj ET Q q 0 0 0 rg BT 435.33 115.30 Td (down ) Tj ET Q q 0 0 0 rg BT 465.67 115.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 485.34 115.30 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 115.30 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 100.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 100.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 100.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 83.91 cm /I26 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 86.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 152.73 86.50 Td (originations ) Tj ET Q q 0 0 0 rg BT 212.14 86.50 Td (were ) Tj ET Q q 0 0 0 rg BT 237.53 86.50 Td ($21.2 ) Tj ET Q q 0 0 0 rg BT 266.61 86.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 303.02 86.50 Td (down ) Tj ET Q q 0 0 0 rg BT 331.77 86.50 Td (48% ) Tj ET Q q 0 0 0 rg BT 355.84 86.50 Td (from ) Tj ET Q q 0 0 0 rg BT 381.25 86.50 Td (the ) Tj ET Q q 0 0 0 rg BT 397.99 86.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.39 86.50 Td (year ) Tj ET Q q 0 0 0 rg BT 446.12 86.50 Td (and ) Tj ET Q q 0 0 0 rg BT 465.52 86.50 Td (up ) Tj ET Q q 0 0 0 rg BT 479.60 86.50 Td (26% ) Tj ET Q q 0 0 0 rg BT 503.68 86.50 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 72.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 72.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 72.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 72.10 Td (.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I27 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (Active ) Tj ET Q q 0 0 0 rg BT 138.38 740.70 Td (mobile ) Tj ET Q q 0 0 0 rg BT 174.09 740.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 225.14 740.70 Td (were ) Tj ET Q q 0 0 0 rg BT 250.84 740.70 Td (up ) Tj ET Q q 0 0 0 rg BT 265.23 740.70 Td (22% ) Tj ET Q q 0 0 0 rg BT 289.62 740.70 Td (over ) Tj ET Q q 0 0 0 rg BT 313.33 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 330.38 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.09 740.70 Td (year ) Tj ET Q q 0 0 0 rg BT 379.13 740.70 Td (to ) Tj ET Q q 0 0 0 rg BT 390.85 740.70 Td (18.4 ) Tj ET Q q 0 0 0 rg BT 414.24 740.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 454.30 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 474.02 740.70 Td (Chase.com ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (remains ) Tj ET Q q 0 0 0 rg BT 144.99 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 162.65 726.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 177.65 726.30 Td (most ) Tj ET Q q 0 0 0 rg BT 203.98 726.30 Td (visited ) Tj ET Q q 0 0 0 rg BT 238.98 726.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 280.64 726.30 Td (portal ) Tj ET Q q 0 0 0 rg BT 311.63 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 323.97 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 341.63 726.30 Td (U.S.) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 362.97 731.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (Consumer) Tj ET Q q 0 0 0 rg BT 103.12 697.50 Td ( ) Tj ET Q q 0 0 0 rg BT 104.78 697.50 Td (& ) Tj ET Q q 0 0 0 rg BT 116.44 697.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 162.12 697.50 Td (Banking) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 205.48 697.50 Td ( ) Tj ET Q q 0 0 0 rg BT 207.14 697.50 Td (net ) Tj ET Q q 0 0 0 rg BT 223.47 697.50 Td (income ) Tj ET Q q 0 0 0 rg BT 260.45 697.50 Td (was ) Tj ET Q q 0 0 0 rg BT 280.77 697.50 Td ($914 ) Tj ET Q q 0 0 0 rg BT 306.44 697.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 345.77 697.50 Td (an ) Tj ET Q q 0 0 0 rg BT 358.76 697.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 399.72 697.50 Td (of ) Tj ET Q q 0 0 0 rg BT 411.38 697.50 Td ($152 ) Tj ET Q q 0 0 0 rg BT 437.05 697.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 476.38 697.50 Td (or ) Tj ET Q q 0 0 0 rg BT 488.04 697.50 Td (20%, ) Tj ET Q q 0 0 0 rg BT 514.70 697.50 Td (compared ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 683.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 683.10 Td (year) Tj ET Q q 0 0 0 rg BT 138.49 683.10 Td (, ) Tj ET Q q 0 0 0 rg BT 144.49 683.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 217.47 683.10 Td (due ) Tj ET Q q 0 0 0 rg BT 237.80 683.10 Td (to ) Tj ET Q q 0 0 0 rg BT 250.13 683.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 283.79 683.10 Td (net ) Tj ET Q q 0 0 0 rg BT 301.45 683.10 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 662.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.17 662.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.98 662.70 Td (was ) Tj ET Q q 0 0 0 rg BT 132.48 662.70 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 156.32 662.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.50 662.70 Td (up ) Tj ET Q q 0 0 0 rg BT 208.34 662.70 Td (5% ) Tj ET Q q 0 0 0 rg BT 227.18 662.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.33 662.70 Td (with ) Tj ET Q q 0 0 0 rg BT 301.50 662.70 Td (the ) Tj ET Q q 0 0 0 rg BT 319.00 662.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 345.17 662.70 Td (year) Tj ET Q q 0 0 0 rg BT 365.15 662.70 Td (. ) Tj ET Q q 0 0 0 rg BT 370.99 662.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 391.16 662.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 429.32 662.70 Td (income ) Tj ET Q q 0 0 0 rg BT 467.48 662.70 Td (was ) Tj ET Q q 0 0 0 rg BT 488.98 662.70 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 512.82 662.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 550.00 662.70 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 648.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 71.04 648.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 123.40 648.30 Td (with ) Tj ET Q q 0 0 0 rg BT 149.79 648.30 Td (the ) Tj ET Q q 0 0 0 rg BT 169.49 648.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 197.87 648.30 Td (year) Tj ET Q q 0 0 0 rg BT 218.04 648.30 Td (, ) Tj ET Q q 0 0 0 rg BT 226.09 648.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 261.79 648.30 Td (by ) Tj ET Q q 0 0 0 rg BT 278.84 648.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 314.54 648.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 354.26 648.30 Td (balances, ) Tj ET Q q 0 0 0 rg BT 403.62 648.30 Td (lar) Tj ET Q q 0 0 0 rg BT 416.05 648.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 441.76 648.30 Td (of) Tj ET Q q 0 0 0 rg BT 451.54 648.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 473.92 648.30 Td (by ) Tj ET Q q 0 0 0 rg BT 490.97 648.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 530.68 648.30 Td (spread ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 633.90 Td (compression. ) Tj ET Q q 0 0 0 rg BT 116.07 633.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 174.47 633.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 214.86 633.90 Td (was ) Tj ET Q q 0 0 0 rg BT 235.94 633.90 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 259.36 633.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 296.11 633.90 Td (an ) Tj ET Q q 0 0 0 rg BT 309.85 633.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 351.57 633.90 Td (of ) Tj ET Q q 0 0 0 rg BT 363.98 633.90 Td (6%, ) Tj ET Q q 0 0 0 rg BT 385.39 633.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 418.47 633.90 Td (by ) Tj ET Q q 0 0 0 rg BT 432.88 633.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 465.95 633.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 521.03 633.90 Td (revenue, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 619.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 98.97 619.50 Td (record ) Tj ET Q q 0 0 0 rg BT 132.62 619.50 Td (client ) Tj ET Q q 0 0 0 rg BT 162.27 619.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 217.93 619.50 Td (assets, ) Tj ET Q q 0 0 0 rg BT 251.93 619.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 285.58 619.50 Td (deposit-related ) Tj ET Q q 0 0 0 rg BT 359.88 619.50 Td (fees ) Tj ET Q q 0 0 0 rg BT 382.20 619.50 Td (and ) Tj ET Q q 0 0 0 rg BT 402.53 619.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 436.19 619.50 Td (debit ) Tj ET Q q 0 0 0 rg BT 463.18 619.50 Td (card ) Tj ET Q q 0 0 0 rg BT 486.83 619.50 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 599.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.17 599.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 151.00 599.10 Td (was ) Tj ET Q q 0 0 0 rg BT 172.84 599.10 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 197.02 599.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 234.53 599.10 Td (down ) Tj ET Q q 0 0 0 rg BT 264.38 599.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 283.56 599.10 Td (from ) Tj ET Q q 0 0 0 rg BT 310.06 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.90 599.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 354.41 599.10 Td (year) Tj ET Q q 0 0 0 rg BT 374.58 599.10 Td (, ) Tj ET Q q 0 0 0 rg BT 380.76 599.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 429.91 599.10 Td (ef) Tj ET Q q 0 0 0 rg BT 439.02 599.10 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 480.84 599.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 552.67 599.10 Td (in ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 584.70 Td (the ) Tj ET Q q 0 0 0 rg BT 67.66 584.70 Td (business, ) Tj ET Q q 0 0 0 rg BT 114.33 584.70 Td (of) Tj ET Q q 0 0 0 rg BT 124.11 584.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 144.44 584.70 Td (by ) Tj ET Q q 0 0 0 rg BT 159.44 584.70 Td (increased ) Tj ET Q q 0 0 0 rg BT 207.74 584.70 Td (cost ) Tj ET Q q 0 0 0 rg BT 230.07 584.70 Td (of ) Tj ET Q q 0 0 0 rg BT 243.07 584.70 Td (controls.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 552.30 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 552.30 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 552.30 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 552.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 552.30 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 543.34 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 520.91 cm /I28 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 523.50 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 523.50 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 523.50 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 523.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 523.50 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 523.50 Td (33% ) Tj ET Q q 0 0 0 rg BT 234.31 523.50 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 523.50 Td ($1) Tj ET Q q 0 0 0 rg BT 260.87 523.50 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 278.87 523.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.20 523.50 Td (of ) Tj ET Q q 0 0 0 rg BT 326.20 523.50 Td (average ) Tj ET Q q 0 0 0 rg BT 366.50 523.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 412.81 523.50 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 506.51 cm /I29 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 509.10 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 146.99 509.10 Td (#1 ) Tj ET Q q 0 0 0 rg BT 165.32 509.10 Td (in ) Tj ET Q q 0 0 0 rg BT 180.98 509.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 231.30 509.10 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 292.28 509.10 Td (among ) Tj ET Q q 0 0 0 rg BT 331.27 509.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.26 509.10 Td (lar) Tj ET Q q 0 0 0 rg BT 364.70 509.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 390.37 509.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 418.04 509.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 452.36 509.10 Td (for ) Tj ET Q q 0 0 0 rg BT 472.69 509.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.68 509.10 Td (second ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 494.70 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 163.64 494.70 Td (year) Tj ET Q q 0 0 0 rg BT 183.81 494.70 Td (, ) Tj ET Q q 0 0 0 rg BT 189.81 494.70 Td (according ) Tj ET Q q 0 0 0 rg BT 240.12 494.70 Td (to ) Tj ET Q q 0 0 0 rg BT 251.79 494.70 Td (American ) Tj ET Q q 0 0 0 rg BT 302.10 494.70 Td (Customer ) Tj ET Q q 0 0 0 rg BT 351.76 494.70 Td (Satisfaction ) Tj ET Q q 0 0 0 rg BT 411.42 494.70 Td (Index ) Tj ET Q q 0 0 0 rg BT 441.74 494.70 Td (\("ACSI"\).) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 477.71 cm /I30 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 480.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 480.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.13 480.30 Td (total ) Tj ET Q q 0 0 0 rg BT 171.83 480.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 214.55 480.30 Td (were ) Tj ET Q q 0 0 0 rg BT 241.24 480.30 Td ($476.2 ) Tj ET Q q 0 0 0 rg BT 277.62 480.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 315.33 480.30 Td (up ) Tj ET Q q 0 0 0 rg BT 330.71 480.30 Td (9% ) Tj ET Q q 0 0 0 rg BT 350.08 480.30 Td (from ) Tj ET Q q 0 0 0 rg BT 376.79 480.30 Td (the ) Tj ET Q q 0 0 0 rg BT 394.82 480.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.53 480.30 Td (year ) Tj ET Q q 0 0 0 rg BT 445.55 480.30 Td (and ) Tj ET Q q 0 0 0 rg BT 466.26 480.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 485.63 480.30 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 480.30 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 465.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 465.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 465.90 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 448.91 cm /I31 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 451.50 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 143.73 451.50 Td (mar) Tj ET Q q 0 0 0 rg BT 162.17 451.50 Td (gin ) Tj ET Q q 0 0 0 rg BT 179.90 451.50 Td (was ) Tj ET Q q 0 0 0 rg BT 200.96 451.50 Td (2.20%, ) Tj ET Q q 0 0 0 rg BT 237.36 451.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 287.07 451.50 Td (with ) Tj ET Q q 0 0 0 rg BT 310.80 451.50 Td (2.32% ) Tj ET Q q 0 0 0 rg BT 344.20 451.50 Td (in ) Tj ET Q q 0 0 0 rg BT 355.93 451.50 Td (the ) Tj ET Q q 0 0 0 rg BT 372.99 451.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 398.71 451.50 Td (year ) Tj ET Q q 0 0 0 rg BT 421.76 451.50 Td (and ) Tj ET Q q 0 0 0 rg BT 441.49 451.50 Td (2.23% ) Tj ET Q q 0 0 0 rg BT 474.88 451.50 Td (in ) Tj ET Q q 0 0 0 rg BT 486.62 451.50 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 451.50 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 437.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 437.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 420.11 cm /I32 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 422.70 Td (Households ) Tj ET Q q 0 0 0 rg BT 164.13 422.70 Td (totaled ) Tj ET Q q 0 0 0 rg BT 200.24 422.70 Td (25.6 ) Tj ET Q q 0 0 0 rg BT 224.70 422.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 265.83 422.70 Td (up ) Tj ET Q q 0 0 0 rg BT 281.29 422.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 300.75 422.70 Td (from ) Tj ET Q q 0 0 0 rg BT 327.53 422.70 Td (the ) Tj ET Q q 0 0 0 rg BT 345.65 422.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 372.44 422.70 Td (year ) Tj ET Q q 0 0 0 rg BT 396.55 422.70 Td (and ) Tj ET Q q 0 0 0 rg BT 417.33 422.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 436.78 422.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 487.55 422.70 Td (with ) Tj ET Q q 0 0 0 rg BT 512.35 422.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 408.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 408.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 408.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 381.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 102.70 381.90 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.06 381.90 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 148.34 381.90 Td (net ) Tj ET Q q 0 0 0 rg BT 165.73 381.90 Td (income ) Tj ET Q q 0 0 0 rg BT 203.78 381.90 Td (was ) Tj ET Q q 0 0 0 rg BT 225.17 381.90 Td ($439 ) Tj ET Q q 0 0 0 rg BT 251.90 381.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 292.29 381.90 Td (a ) Tj ET Q q 0 0 0 rg BT 300.35 381.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 344.38 381.90 Td (of ) Tj ET Q q 0 0 0 rg BT 357.10 381.90 Td ($266 ) Tj ET Q q 0 0 0 rg BT 383.83 381.90 Td (million ) Tj ET Q q 0 0 0 rg BT 421.23 381.90 Td (from ) Tj ET Q q 0 0 0 rg BT 447.28 381.90 Td (the ) Tj ET Q q 0 0 0 rg BT 464.67 381.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.73 381.90 Td (year) Tj ET Q q 0 0 0 rg BT 510.90 381.90 Td (, ) Tj ET Q q 0 0 0 rg BT 516.63 381.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.01 381.90 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 367.50 Td (a ) Tj ET Q q 0 0 0 rg BT 58.33 367.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 88.65 367.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 124.96 367.50 Td (from ) Tj ET Q q 0 0 0 rg BT 151.29 367.50 Td (the ) Tj ET Q q 0 0 0 rg BT 168.95 367.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 217.29 367.50 Td (for ) Tj ET Q q 0 0 0 rg BT 234.28 367.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 264.59 367.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 299.26 367.50 Td (lar) Tj ET Q q 0 0 0 rg BT 311.70 367.50 Td (gely ) Tj ET Q q 0 0 0 rg BT 335.36 367.50 Td (of) Tj ET Q q 0 0 0 rg BT 345.14 367.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 365.47 367.50 Td (by ) Tj ET Q q 0 0 0 rg BT 380.47 367.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 410.79 367.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 467.11 367.50 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 347.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.61 347.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.87 347.10 Td (was ) Tj ET Q q 0 0 0 rg BT 133.82 347.10 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 158.10 347.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 195.72 347.10 Td (a ) Tj ET Q q 0 0 0 rg BT 204.33 347.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 248.91 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.19 347.10 Td ($36 ) Tj ET Q q 0 0 0 rg BT 283.48 347.10 Td (million ) Tj ET Q q 0 0 0 rg BT 321.43 347.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 372.02 347.10 Td (with ) Tj ET Q q 0 0 0 rg BT 396.64 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.58 347.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.20 347.10 Td (year) Tj ET Q q 0 0 0 rg BT 461.18 347.10 Td (. ) Tj ET Q q 0 0 0 rg BT 467.47 347.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.08 347.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.68 347.10 Td (income ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 332.70 Td (was ) Tj ET Q q 0 0 0 rg BT 70.39 332.70 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 93.11 332.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 129.17 332.70 Td (a ) Tj ET Q q 0 0 0 rg BT 136.23 332.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 179.25 332.70 Td (of ) Tj ET Q q 0 0 0 rg BT 190.97 332.70 Td ($127 ) Tj ET Q q 0 0 0 rg BT 216.70 332.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 256.09 332.70 Td (or ) Tj ET Q q 0 0 0 rg BT 267.81 332.70 Td (1) Tj ET Q q 0 0 0 rg BT 273.37 332.70 Td (1%, ) Tj ET Q q 0 0 0 rg BT 294.09 332.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 326.47 332.70 Td (by ) Tj ET Q q 0 0 0 rg BT 340.20 332.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 369.25 332.70 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 422.28 332.70 Td (balances, ) Tj ET Q q 0 0 0 rg BT 468.32 332.70 Td (spread ) Tj ET Q q 0 0 0 rg BT 501.36 332.70 Td (compression ) Tj ET Q BT /F1 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 70.52 318.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 101.03 318.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 124.88 318.30 Td (balances ) Tj ET Q q 0 0 0 rg BT 169.38 318.30 Td (due ) Tj ET Q q 0 0 0 rg BT 189.90 318.30 Td (to ) Tj ET Q q 0 0 0 rg BT 202.42 318.30 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 247.60 318.30 Td (runof) Tj ET Q q 0 0 0 rg BT 273.38 318.30 Td (f. ) Tj ET Q q 0 0 0 rg BT 283.57 318.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 342.74 318.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 383.91 318.30 Td (was ) Tj ET Q q 0 0 0 rg BT 405.76 318.30 Td ($968 ) Tj ET Q q 0 0 0 rg BT 432.95 318.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 473.81 318.30 Td (an ) Tj ET Q q 0 0 0 rg BT 488.33 318.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 530.82 318.30 Td (of ) Tj ET Q q 0 0 0 rg BT 544.01 318.30 Td ($91 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 303.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 89.70 303.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 122.38 303.90 Td (by ) Tj ET Q q 0 0 0 rg BT 136.40 303.90 Td (a ) Tj ET Q q 0 0 0 rg BT 143.76 303.90 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 211.75 303.90 Td (gain ) Tj ET Q q 0 0 0 rg BT 234.44 303.90 Td (and ) Tj ET Q q 0 0 0 rg BT 253.79 303.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 286.47 303.90 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 333.81 303.90 Td (fees ) Tj ET Q q 0 0 0 rg BT 355.16 303.90 Td (and ) Tj ET Q q 0 0 0 rg BT 374.51 303.90 Td (related ) Tj ET Q q 0 0 0 rg BT 409.18 303.90 Td (income, ) Tj ET Q q 0 0 0 rg BT 449.53 303.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 491.54 303.90 Td (of) Tj ET Q q 0 0 0 rg BT 501.32 303.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 520.67 303.90 Td (by ) Tj ET Q q 0 0 0 rg BT 534.69 303.90 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 289.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 90.97 289.50 Td (from ) Tj ET Q q 0 0 0 rg BT 117.30 289.50 Td (an ) Tj ET Q q 0 0 0 rg BT 131.63 289.50 Td (exited ) Tj ET Q q 0 0 0 rg BT 163.95 289.50 Td (non-core ) Tj ET Q q 0 0 0 rg BT 209.59 289.50 Td (product.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 269.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.69 269.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.05 269.10 Td (for ) Tj ET Q q 0 0 0 rg BT 137.07 269.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.42 269.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 199.12 269.10 Td (was ) Tj ET Q q 0 0 0 rg BT 220.81 269.10 Td (a ) Tj ET Q q 0 0 0 rg BT 229.16 269.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 265.51 269.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.53 269.10 Td ($19 ) Tj ET Q q 0 0 0 rg BT 299.56 269.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 334.23 274.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 338.13 269.10 Td (, ) Tj ET Q q 0 0 0 rg BT 344.16 269.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 394.50 269.10 Td (with ) Tj ET Q q 0 0 0 rg BT 418.86 269.10 Td (a ) Tj ET Q q 0 0 0 rg BT 427.22 269.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 463.56 269.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.59 269.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 500.62 269.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 534.98 269.10 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 269.10 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 254.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.02 254.70 Td (year) Tj ET Q q 0 0 0 rg BT 96.00 254.70 Td (. ) Tj ET Q q 0 0 0 rg BT 101.50 254.70 Td (The ) Tj ET Q q 0 0 0 rg BT 122.85 254.70 Td (current ) Tj ET Q q 0 0 0 rg BT 159.52 254.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 196.19 254.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 240.85 254.70 Td (a ) Tj ET Q q 0 0 0 rg BT 248.87 254.70 Td ($100 ) Tj ET Q q 0 0 0 rg BT 275.56 254.70 Td (million ) Tj ET Q q 0 0 0 rg BT 312.92 254.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 360.93 254.70 Td (in ) Tj ET Q q 0 0 0 rg BT 372.96 254.70 Td (the ) Tj ET Q q 0 0 0 rg BT 390.31 254.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 441.64 254.70 Td (for ) Tj ET Q q 0 0 0 rg BT 458.33 254.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 481.68 254.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 516.04 254.70 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 240.30 Td (continued ) Tj ET Q q 0 0 0 rg BT 100.40 240.30 Td (improvement ) Tj ET Q q 0 0 0 rg BT 167.45 240.30 Td (in ) Tj ET Q q 0 0 0 rg BT 179.86 240.30 Td (home ) Tj ET Q q 0 0 0 rg BT 209.60 240.30 Td (prices ) Tj ET Q q 0 0 0 rg BT 241.32 240.30 Td (and ) Tj ET Q q 0 0 0 rg BT 261.73 240.30 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 333.55 240.30 Td (The ) Tj ET Q q 0 0 0 rg BT 355.29 240.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 381.69 240.30 Td (year ) Tj ET Q q 0 0 0 rg BT 405.41 240.30 Td (included ) Tj ET Q q 0 0 0 rg BT 449.80 240.30 Td (a ) Tj ET Q q 0 0 0 rg BT 458.21 240.30 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 482.28 240.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 516.69 240.30 Td (reduction ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 225.90 Td (in ) Tj ET Q q 0 0 0 rg BT 62.15 225.90 Td (the ) Tj ET Q q 0 0 0 rg BT 79.63 225.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 131.09 225.90 Td (for ) Tj ET Q q 0 0 0 rg BT 147.90 225.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 171.38 225.90 Td (losses. ) Tj ET Q q 0 0 0 rg BT 205.87 225.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 226.01 225.90 Td (char) Tj ET Q q 0 0 0 rg BT 246.44 225.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 271.54 225.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 283.03 225.90 Td (were ) Tj ET Q q 0 0 0 rg BT 309.16 225.90 Td ($81 ) Tj ET Q q 0 0 0 rg BT 329.98 225.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 370.47 225.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 420.59 225.90 Td (with ) Tj ET Q q 0 0 0 rg BT 444.75 225.90 Td ($206 ) Tj ET Q q 0 0 0 rg BT 471.56 225.90 Td (million ) Tj ET Q q 0 0 0 rg BT 509.05 225.90 Td (in ) Tj ET Q q 0 0 0 rg BT 521.21 225.90 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 225.90 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 211.50 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 211.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 191.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.85 191.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.37 191.10 Td (was ) Tj ET Q q 0 0 0 rg BT 171.90 191.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 195.77 191.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.97 191.10 Td (a ) Tj ET Q q 0 0 0 rg BT 241.17 191.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 285.33 191.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.20 191.10 Td ($621 ) Tj ET Q q 0 0 0 rg BT 325.07 191.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 365.60 191.10 Td (or ) Tj ET Q q 0 0 0 rg BT 378.47 191.10 Td (33%, ) Tj ET Q q 0 0 0 rg BT 406.33 191.10 Td (from ) Tj ET Q q 0 0 0 rg BT 432.53 191.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.05 191.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 476.25 191.10 Td (year) Tj ET Q q 0 0 0 rg BT 496.42 191.10 Td (, ) Tj ET Q q 0 0 0 rg BT 502.29 191.10 Td (due ) Tj ET Q q 0 0 0 rg BT 522.48 191.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.68 191.10 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 176.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 91.65 176.70 Td (in ) Tj ET Q q 0 0 0 rg BT 103.98 176.70 Td (production ) Tj ET Q q 0 0 0 rg BT 158.97 176.70 Td (and ) Tj ET Q q 0 0 0 rg BT 179.30 176.70 Td (servicing ) Tj ET Q q 0 0 0 rg BT 226.29 176.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 275.26 176.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 305.58 176.70 Td (headcount.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.70 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 144.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 99.83 144.30 Td (Production) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 155.17 144.30 Td ( ) Tj ET Q q 0 0 0 rg BT 157.00 144.30 Td (pretax ) Tj ET Q q 0 0 0 rg BT 188.82 144.30 Td (income ) Tj ET Q q 0 0 0 rg BT 225.97 144.30 Td (was ) Tj ET Q q 0 0 0 rg BT 246.46 144.30 Td ($74 ) Tj ET Q q 0 0 0 rg BT 266.29 144.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 305.79 144.30 Td (a ) Tj ET Q q 0 0 0 rg BT 312.95 144.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 356.08 144.30 Td (of ) Tj ET Q q 0 0 0 rg BT 367.91 144.30 Td ($16 ) Tj ET Q q 0 0 0 rg BT 387.74 144.30 Td (million ) Tj ET Q q 0 0 0 rg BT 424.24 144.30 Td (from ) Tj ET Q q 0 0 0 rg BT 449.40 144.30 Td (the ) Tj ET Q q 0 0 0 rg BT 465.89 144.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 491.04 144.30 Td (year) Tj ET Q q 0 0 0 rg BT 511.21 144.30 Td (, ) Tj ET Q q 0 0 0 rg BT 516.04 144.30 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 129.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.17 129.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 121.00 129.90 Td (and ) Tj ET Q q 0 0 0 rg BT 141.18 129.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 171.35 129.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 207.52 129.90 Td (from ) Tj ET Q q 0 0 0 rg BT 233.70 129.90 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 288.52 129.90 Td (losses, ) Tj ET Q q 0 0 0 rg BT 323.04 129.90 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 395.88 129.90 Td (of) Tj ET Q q 0 0 0 rg BT 405.66 129.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 425.83 129.90 Td (by ) Tj ET Q q 0 0 0 rg BT 440.69 129.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 470.86 129.90 Td (expense. ) Tj ET Q q 0 0 0 rg BT 515.36 129.90 Td (Mortgage ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 115.50 Td (production-related ) Tj ET Q q 0 0 0 rg BT 141.13 115.50 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 184.60 115.50 Td (excluding ) Tj ET Q q 0 0 0 rg BT 234.43 115.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 288.89 115.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 323.06 115.50 Td (was ) Tj ET Q q 0 0 0 rg BT 344.23 115.50 Td ($393 ) Tj ET Q q 0 0 0 rg BT 370.73 115.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 410.90 115.50 Td (a ) Tj ET Q q 0 0 0 rg BT 418.72 115.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 462.52 115.50 Td (of ) Tj ET Q q 0 0 0 rg BT 475.02 115.50 Td ($191 ) Tj ET Q q 0 0 0 rg BT 501.52 115.50 Td (million ) Tj ET Q q 0 0 0 rg BT 538.69 115.50 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 66.62 101.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 91.90 101.10 Td (year) Tj ET Q q 0 0 0 rg BT 112.07 101.10 Td (, ) Tj ET Q q 0 0 0 rg BT 117.03 101.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 163.64 101.10 Td (on ) Tj ET Q q 0 0 0 rg BT 177.60 101.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 206.88 101.10 Td (volumes. ) Tj ET Q q 0 0 0 rg BT 252.50 101.10 Td (Production ) Tj ET Q q 0 0 0 rg BT 307.13 101.10 Td (expense) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 345.78 106.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 349.67 101.10 Td ( ) Tj ET Q q 0 0 0 rg BT 351.63 101.10 Td (was ) Tj ET Q q 0 0 0 rg BT 372.25 101.10 Td ($381 ) Tj ET Q q 0 0 0 rg BT 398.21 101.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 437.84 101.10 Td (a ) Tj ET Q q 0 0 0 rg BT 445.13 101.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 488.38 101.10 Td (of ) Tj ET Q q 0 0 0 rg BT 500.34 101.10 Td ($288million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 86.70 Td (from ) Tj ET Q q 0 0 0 rg BT 75.43 86.70 Td (the ) Tj ET Q q 0 0 0 rg BT 92.20 86.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 117.63 86.70 Td (year) Tj ET Q q 0 0 0 rg BT 137.80 86.70 Td (, ) Tj ET Q q 0 0 0 rg BT 142.91 86.70 Td (lar) Tj ET Q q 0 0 0 rg BT 155.35 86.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 178.11 86.70 Td (due ) Tj ET Q q 0 0 0 rg BT 197.54 86.70 Td (to ) Tj ET Q q 0 0 0 rg BT 208.99 86.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 238.41 86.70 Td (headcount-related ) Tj ET Q q 0 0 0 rg BT 326.47 86.70 Td (expense. ) Tj ET Q q 0 0 0 rg BT 370.23 86.70 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 428.31 86.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 459.08 86.70 Td (for ) Tj ET Q q 0 0 0 rg BT 475.18 86.70 Td (the ) Tj ET Q q 0 0 0 rg BT 491.95 86.70 Td (current ) Tj ET Q q 0 0 0 rg BT 528.03 86.70 Td (quarter ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 72.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 94.96 72.30 Td (a ) Tj ET Q q 0 0 0 rg BT 103.29 72.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 139.61 72.30 Td (of ) Tj ET Q q 0 0 0 rg BT 152.60 72.30 Td ($62 ) Tj ET Q q 0 0 0 rg BT 173.60 72.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 214.27 72.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 264.58 72.30 Td (with ) Tj ET Q q 0 0 0 rg BT 288.92 72.30 Td (a ) Tj ET Q q 0 0 0 rg BT 297.24 72.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 333.56 72.30 Td (of ) Tj ET Q q 0 0 0 rg BT 346.55 72.30 Td ($175 ) Tj ET Q q 0 0 0 rg BT 373.55 72.30 Td (million ) Tj ET Q q 0 0 0 rg BT 411.22 72.30 Td (in ) Tj ET Q q 0 0 0 rg BT 423.56 72.30 Td (the ) Tj ET Q q 0 0 0 rg BT 441.22 72.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.54 72.30 Td (year) Tj ET Q q 0 0 0 rg BT 487.53 72.30 Td (.) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 100.35 740.90 Td (Servicing ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 149.36 740.90 Td (pretax ) Tj ET Q q 0 0 0 rg BT 181.69 740.90 Td (income ) Tj ET Q q 0 0 0 rg BT 219.36 740.90 Td (was ) Tj ET Q q 0 0 0 rg BT 240.37 740.90 Td ($138 ) Tj ET Q q 0 0 0 rg BT 266.72 740.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 306.74 740.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 356.39 740.90 Td (with ) Tj ET Q q 0 0 0 rg BT 380.07 740.90 Td (a ) Tj ET Q q 0 0 0 rg BT 387.75 740.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 408.77 740.90 Td (of ) Tj ET Q q 0 0 0 rg BT 421.12 740.90 Td ($406 ) Tj ET Q q 0 0 0 rg BT 447.46 740.90 Td (million ) Tj ET Q q 0 0 0 rg BT 484.48 740.90 Td (in ) Tj ET Q q 0 0 0 rg BT 496.16 740.90 Td (the ) Tj ET Q q 0 0 0 rg BT 513.17 740.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.85 740.90 Td (year) Tj ET Q q 0 0 0 rg BT 559.01 740.90 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 98.02 726.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 127.38 726.50 Td (expenses ) Tj ET Q q 0 0 0 rg BT 172.74 726.50 Td (and ) Tj ET Q q 0 0 0 rg BT 192.11 726.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 224.81 726.50 Td (MSR ) Tj ET Q q 0 0 0 rg BT 252.20 726.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 272.25 726.50 Td (management ) Tj ET Q q 0 0 0 rg BT 335.60 726.50 Td (income. ) Tj ET Q q 0 0 0 rg BT 375.96 726.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 424.66 726.50 Td (net ) Tj ET Q q 0 0 0 rg BT 441.36 726.50 Td (servicing-related ) Tj ET Q q 0 0 0 rg BT 524.03 726.50 Td (revenue ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (was ) Tj ET Q q 0 0 0 rg BT 72.39 712.10 Td ($639 ) Tj ET Q q 0 0 0 rg BT 100.13 712.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 141.53 712.10 Td (an ) Tj ET Q q 0 0 0 rg BT 156.59 712.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 199.63 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.35 712.10 Td ($7 ) Tj ET Q q 0 0 0 rg BT 229.09 712.10 Td (million ) Tj ET Q q 0 0 0 rg BT 267.49 712.10 Td (from ) Tj ET Q q 0 0 0 rg BT 294.55 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.94 712.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.00 712.10 Td (year) Tj ET Q q 0 0 0 rg BT 359.98 712.10 Td (. ) Tj ET Q q 0 0 0 rg BT 366.72 712.10 Td (MSR ) Tj ET Q q 0 0 0 rg BT 395.80 712.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 417.53 712.10 Td (management ) Tj ET Q q 0 0 0 rg BT 482.57 712.10 Td (income ) Tj ET Q q 0 0 0 rg BT 521.62 712.10 Td (was ) Tj ET Q q 0 0 0 rg BT 544.02 712.10 Td ($76 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 697.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 91.70 697.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 143.04 697.70 Td (with ) Tj ET Q q 0 0 0 rg BT 168.41 697.70 Td (a ) Tj ET Q q 0 0 0 rg BT 177.76 697.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 200.47 697.70 Td (of ) Tj ET Q q 0 0 0 rg BT 214.50 697.70 Td ($180 ) Tj ET Q q 0 0 0 rg BT 242.53 697.70 Td (million ) Tj ET Q q 0 0 0 rg BT 281.23 697.70 Td (in ) Tj ET Q q 0 0 0 rg BT 294.59 697.70 Td (the ) Tj ET Q q 0 0 0 rg BT 313.29 697.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.64 697.70 Td (year) Tj ET Q q 0 0 0 rg BT 360.63 697.70 Td (. ) Tj ET Q q 0 0 0 rg BT 367.66 697.70 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 417.68 697.70 Td (expense) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 456.33 703.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 460.23 697.70 Td ( ) Tj ET Q q 0 0 0 rg BT 464.26 697.70 Td (was ) Tj ET Q q 0 0 0 rg BT 486.95 697.70 Td ($577 ) Tj ET Q q 0 0 0 rg BT 514.99 697.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 556.69 697.70 Td (a ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 683.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 93.98 683.30 Td (of ) Tj ET Q q 0 0 0 rg BT 106.65 683.30 Td ($281 ) Tj ET Q q 0 0 0 rg BT 133.33 683.30 Td (million ) Tj ET Q q 0 0 0 rg BT 170.69 683.30 Td (from ) Tj ET Q q 0 0 0 rg BT 196.69 683.30 Td (the ) Tj ET Q q 0 0 0 rg BT 214.03 683.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 240.04 683.30 Td (year ) Tj ET Q q 0 0 0 rg BT 263.37 683.30 Td (due ) Tj ET Q q 0 0 0 rg BT 283.38 683.30 Td (to ) Tj ET Q q 0 0 0 rg BT 295.39 683.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 325.39 683.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 366.72 683.30 Td (for ) Tj ET Q q 0 0 0 rg BT 383.40 683.30 Td (foreclosure-related ) Tj ET Q q 0 0 0 rg BT 476.69 683.30 Td (matters ) Tj ET Q q 0 0 0 rg BT 514.69 683.30 Td (and ) Tj ET Q q 0 0 0 rg BT 534.69 683.30 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 668.90 Td (headcount-related ) Tj ET Q q 0 0 0 rg BT 138.95 668.90 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 630.50 Td (Key Metrics and Business Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 621.54 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 599.11 cm /I33 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 601.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 152.73 601.70 Td (originations ) Tj ET Q q 0 0 0 rg BT 212.14 601.70 Td (were ) Tj ET Q q 0 0 0 rg BT 237.53 601.70 Td ($21.2 ) Tj ET Q q 0 0 0 rg BT 266.61 601.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 303.02 601.70 Td (down ) Tj ET Q q 0 0 0 rg BT 331.77 601.70 Td (48% ) Tj ET Q q 0 0 0 rg BT 355.84 601.70 Td (from ) Tj ET Q q 0 0 0 rg BT 381.25 601.70 Td (the ) Tj ET Q q 0 0 0 rg BT 397.99 601.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.39 601.70 Td (year ) Tj ET Q q 0 0 0 rg BT 446.12 601.70 Td (and ) Tj ET Q q 0 0 0 rg BT 465.52 601.70 Td (up ) Tj ET Q q 0 0 0 rg BT 479.60 601.70 Td (26% ) Tj ET Q q 0 0 0 rg BT 503.68 601.70 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 587.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 587.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 587.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 587.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 570.31 cm /I34 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 572.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.42 572.90 Td (total ) Tj ET Q q 0 0 0 rg BT 183.51 572.90 Td (third-party ) Tj ET Q q 0 0 0 rg BT 237.60 572.90 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 285.68 572.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 313.78 572.90 Td (serviced ) Tj ET Q q 0 0 0 rg BT 356.52 572.90 Td (were ) Tj ET Q q 0 0 0 rg BT 382.61 572.90 Td ($766.3 ) Tj ET Q q 0 0 0 rg BT 418.37 572.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 455.48 572.90 Td (down ) Tj ET Q q 0 0 0 rg BT 484.91 572.90 Td (8% ) Tj ET Q q 0 0 0 rg BT 503.67 572.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 558.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 558.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 558.50 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 558.50 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 558.50 Td (3% ) Tj ET Q q 0 0 0 rg BT 210.96 558.50 Td (from ) Tj ET Q q 0 0 0 rg BT 237.28 558.50 Td (the ) Tj ET Q q 0 0 0 rg BT 254.94 558.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.27 558.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 314.59 558.50 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 75.92 532.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 109.85 532.10 Td (Portfolios) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 158.52 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 161.78 532.10 Td (pretax ) Tj ET Q q 0 0 0 rg BT 195.02 532.10 Td (income ) Tj ET Q q 0 0 0 rg BT 233.60 532.10 Td (was ) Tj ET Q q 0 0 0 rg BT 255.52 532.10 Td ($512 ) Tj ET Q q 0 0 0 rg BT 282.78 532.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 323.71 532.10 Td (down ) Tj ET Q q 0 0 0 rg BT 353.63 532.10 Td ($968million ) Tj ET Q q 0 0 0 rg BT 418.56 532.10 Td (from ) Tj ET Q q 0 0 0 rg BT 445.15 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.07 532.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 489.65 532.10 Td (year) Tj ET Q q 0 0 0 rg BT 509.82 532.10 Td (, ) Tj ET Q q 0 0 0 rg BT 516.08 532.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.00 532.10 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 517.70 Td (a ) Tj ET Q q 0 0 0 rg BT 58.33 517.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 88.65 517.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 124.96 517.70 Td (from ) Tj ET Q q 0 0 0 rg BT 151.29 517.70 Td (the ) Tj ET Q q 0 0 0 rg BT 168.95 517.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 217.29 517.70 Td (for ) Tj ET Q q 0 0 0 rg BT 234.28 517.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 264.59 517.70 Td (losses.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 497.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.74 497.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 112.12 497.30 Td (was ) Tj ET Q q 0 0 0 rg BT 134.19 497.30 Td ($814 ) Tj ET Q q 0 0 0 rg BT 161.60 497.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 202.68 497.30 Td (an ) Tj ET Q q 0 0 0 rg BT 217.42 497.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 260.13 497.30 Td (of ) Tj ET Q q 0 0 0 rg BT 273.54 497.30 Td ($5 ) Tj ET Q q 0 0 0 rg BT 288.95 497.30 Td (million ) Tj ET Q q 0 0 0 rg BT 327.03 497.30 Td (from ) Tj ET Q q 0 0 0 rg BT 353.77 497.30 Td (the ) Tj ET Q q 0 0 0 rg BT 371.84 497.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 398.57 497.30 Td (year) Tj ET Q q 0 0 0 rg BT 418.74 497.30 Td (, ) Tj ET Q q 0 0 0 rg BT 425.15 497.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 459.22 497.30 Td (by ) Tj ET Q q 0 0 0 rg BT 474.63 497.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 508.70 497.30 Td (noninterest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 482.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 92.64 482.90 Td (resulting ) Tj ET Q q 0 0 0 rg BT 139.31 482.90 Td (from ) Tj ET Q q 0 0 0 rg BT 167.30 482.90 Td (a ) Tj ET Q q 0 0 0 rg BT 177.30 482.90 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 247.94 482.90 Td (gain, ) Tj ET Q q 0 0 0 rg BT 276.27 482.90 Td (of) Tj ET Q q 0 0 0 rg BT 286.05 482.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 308.05 482.90 Td (by ) Tj ET Q q 0 0 0 rg BT 324.72 482.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 356.71 482.90 Td (net ) Tj ET Q q 0 0 0 rg BT 376.04 482.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 416.03 482.90 Td (income ) Tj ET Q q 0 0 0 rg BT 456.02 482.90 Td (resulting ) Tj ET Q q 0 0 0 rg BT 502.68 482.90 Td (from ) Tj ET Q q 0 0 0 rg BT 530.68 482.90 Td (spread ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 468.50 Td (compression ) Tj ET Q q 0 0 0 rg BT 113.66 468.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.98 468.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 164.30 468.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 187.96 468.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 232.27 468.50 Td (due ) Tj ET Q q 0 0 0 rg BT 252.60 468.50 Td (to ) Tj ET Q q 0 0 0 rg BT 264.93 468.50 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 309.93 468.50 Td (runof) Tj ET Q q 0 0 0 rg BT 335.70 468.50 Td (f.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.89 448.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.46 448.10 Td (for ) Tj ET Q q 0 0 0 rg BT 137.69 448.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.24 448.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.14 448.10 Td (was ) Tj ET Q q 0 0 0 rg BT 222.04 448.10 Td (a ) Tj ET Q q 0 0 0 rg BT 230.60 448.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 267.15 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.38 448.10 Td ($19 ) Tj ET Q q 0 0 0 rg BT 301.61 448.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 342.52 448.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 393.06 448.10 Td (with ) Tj ET Q q 0 0 0 rg BT 417.63 448.10 Td (a ) Tj ET Q q 0 0 0 rg BT 426.19 448.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 462.74 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.97 448.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 500.21 448.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 534.78 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 547.34 448.10 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 433.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 78.16 433.70 Td (year) Tj ET Q q 0 0 0 rg BT 98.15 433.70 Td (. ) Tj ET Q q 0 0 0 rg BT 105.63 433.70 Td (The ) Tj ET Q q 0 0 0 rg BT 129.13 433.70 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 205.91 433.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 256.08 433.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 302.88 433.70 Td (a ) Tj ET Q q 0 0 0 rg BT 313.05 433.70 Td ($100 ) Tj ET Q q 0 0 0 rg BT 341.88 433.70 Td (million ) Tj ET Q q 0 0 0 rg BT 381.39 433.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 431.54 433.70 Td (in ) Tj ET Q q 0 0 0 rg BT 445.71 433.70 Td (the ) Tj ET Q q 0 0 0 rg BT 465.20 433.70 Td (non ) Tj ET Q q 0 0 0 rg BT 488.04 433.70 Td (credit-impaired ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 419.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 101.97 419.30 Td (for ) Tj ET Q q 0 0 0 rg BT 119.30 419.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 143.29 419.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 178.29 419.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 227.60 419.30 Td (continued ) Tj ET Q q 0 0 0 rg BT 278.25 419.30 Td (improvement ) Tj ET Q q 0 0 0 rg BT 345.57 419.30 Td (in ) Tj ET Q q 0 0 0 rg BT 358.23 419.30 Td (home ) Tj ET Q q 0 0 0 rg BT 388.23 419.30 Td (prices ) Tj ET Q q 0 0 0 rg BT 420.21 419.30 Td (and ) Tj ET Q q 0 0 0 rg BT 440.87 419.30 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 512.94 419.30 Td (The ) Tj ET Q q 0 0 0 rg BT 534.93 419.30 Td (prior) Tj ET Q q 0 0 0 rg BT 558.01 419.30 Td (-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 404.90 Td (year ) Tj ET Q q 0 0 0 rg BT 73.28 404.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 121.24 404.90 Td (included ) Tj ET Q q 0 0 0 rg BT 165.20 404.90 Td (a ) Tj ET Q q 0 0 0 rg BT 173.15 404.90 Td ($750 ) Tj ET Q q 0 0 0 rg BT 199.78 404.90 Td (million ) Tj ET Q q 0 0 0 rg BT 237.08 404.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 285.03 404.90 Td (in ) Tj ET Q q 0 0 0 rg BT 297.00 404.90 Td (the ) Tj ET Q q 0 0 0 rg BT 314.29 404.90 Td (purchased ) Tj ET Q q 0 0 0 rg BT 365.56 404.90 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 442.16 404.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 493.43 404.90 Td (for ) Tj ET Q q 0 0 0 rg BT 510.05 404.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 533.34 404.90 Td (losses ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 390.50 Td (and ) Tj ET Q q 0 0 0 rg BT 71.96 390.50 Td ($500 ) Tj ET Q q 0 0 0 rg BT 100.60 390.50 Td (million ) Tj ET Q q 0 0 0 rg BT 139.91 390.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 189.86 390.50 Td (in ) Tj ET Q q 0 0 0 rg BT 203.83 390.50 Td (the ) Tj ET Q q 0 0 0 rg BT 223.13 390.50 Td (non ) Tj ET Q q 0 0 0 rg BT 245.77 390.50 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 324.37 390.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 377.65 390.50 Td (for ) Tj ET Q q 0 0 0 rg BT 396.28 390.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 421.58 390.50 Td (losses. ) Tj ET Q q 0 0 0 rg BT 457.88 390.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 479.85 390.50 Td (char) Tj ET Q q 0 0 0 rg BT 500.28 390.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 525.38 390.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 538.68 390.50 Td (were ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td ($81million, ) Tj ET Q q 0 0 0 rg BT 112.11 376.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 162.85 376.10 Td (with ) Tj ET Q q 0 0 0 rg BT 187.62 376.10 Td ($204 ) Tj ET Q q 0 0 0 rg BT 215.06 376.10 Td (million ) Tj ET Q q 0 0 0 rg BT 253.17 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 265.94 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.03 376.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 310.79 376.10 Td (year) Tj ET Q q 0 0 0 rg BT 330.78 376.10 Td (. ) Tj ET Q q 0 0 0 rg BT 337.22 376.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 369.98 376.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 403.41 376.10 Td (net ) Tj ET Q q 0 0 0 rg BT 421.51 376.10 Td (char) Tj ET Q q 0 0 0 rg BT 441.94 376.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 467.04 376.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 479.14 376.10 Td (were ) Tj ET Q q 0 0 0 rg BT 505.89 376.10 Td ($95 ) Tj ET Q q 0 0 0 rg BT 527.33 376.10 Td (million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 361.70 Td (\(0.70% ) Tj ET Q q 0 0 0 rg BT 89.08 361.70 Td (net ) Tj ET Q q 0 0 0 rg BT 107.82 361.70 Td (char) Tj ET Q q 0 0 0 rg BT 128.25 361.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 153.35 361.70 Td (f ) Tj ET Q q 0 0 0 rg BT 161.43 361.70 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 179.42 367.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 183.32 361.70 Td (\), ) Tj ET Q q 0 0 0 rg BT 194.40 361.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 245.79 361.70 Td (with ) Tj ET Q q 0 0 0 rg BT 271.21 361.70 Td ($218 ) Tj ET Q q 0 0 0 rg BT 299.29 361.70 Td (million ) Tj ET Q q 0 0 0 rg BT 338.04 361.70 Td (\(1.42% ) Tj ET Q q 0 0 0 rg BT 377.12 361.70 Td (net ) Tj ET Q q 0 0 0 rg BT 395.86 361.70 Td (char) Tj ET Q q 0 0 0 rg BT 416.30 361.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 441.40 361.70 Td (f ) Tj ET Q q 0 0 0 rg BT 449.48 361.70 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 467.46 367.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 471.36 361.70 Td (\) ) Tj ET Q q 0 0 0 rg BT 479.44 361.70 Td (in ) Tj ET Q q 0 0 0 rg BT 492.86 361.70 Td (the ) Tj ET Q q 0 0 0 rg BT 511.60 361.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.01 361.70 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 361.70 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 347.30 Td (Subprime ) Tj ET Q q 0 0 0 rg BT 98.59 347.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 145.83 347.30 Td (net ) Tj ET Q q 0 0 0 rg BT 162.42 347.30 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 213.65 347.30 Td (were ) Tj ET Q q 0 0 0 rg BT 238.89 347.30 Td ($25 ) Tj ET Q q 0 0 0 rg BT 258.81 347.30 Td (million ) Tj ET Q q 0 0 0 rg BT 295.41 347.30 Td (\(1.68% ) Tj ET Q q 0 0 0 rg BT 332.33 347.30 Td (net ) Tj ET Q q 0 0 0 rg BT 348.91 347.30 Td (recovery ) Tj ET Q q 0 0 0 rg BT 392.81 347.30 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 410.79 352.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 414.69 347.30 Td (\), ) Tj ET Q q 0 0 0 rg BT 423.62 347.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 472.85 347.30 Td (with ) Tj ET Q q 0 0 0 rg BT 496.11 347.30 Td (net ) Tj ET Q q 0 0 0 rg BT 512.70 347.30 Td (recoveries ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 332.90 Td (of ) Tj ET Q q 0 0 0 rg BT 62.88 332.90 Td ($4 ) Tj ET Q q 0 0 0 rg BT 77.77 332.90 Td (million ) Tj ET Q q 0 0 0 rg BT 115.33 332.90 Td (\(0.21% ) Tj ET Q q 0 0 0 rg BT 153.21 332.90 Td (net ) Tj ET Q q 0 0 0 rg BT 170.75 332.90 Td (recovery ) Tj ET Q q 0 0 0 rg BT 215.61 332.90 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 233.59 338.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 237.49 332.90 Td (\). ) Tj ET Q q 0 0 0 rg BT 247.38 332.90 Td (Prime ) Tj ET Q q 0 0 0 rg BT 278.93 332.90 Td (mortgage, ) Tj ET Q q 0 0 0 rg BT 330.13 332.90 Td (including ) Tj ET Q q 0 0 0 rg BT 378.35 332.90 Td (option ) Tj ET Q q 0 0 0 rg BT 411.27 332.90 Td (ARMs, ) Tj ET Q q 0 0 0 rg BT 449.16 332.90 Td (net ) Tj ET Q q 0 0 0 rg BT 466.71 332.90 Td (char) Tj ET Q q 0 0 0 rg BT 487.14 332.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 512.24 332.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 523.80 332.90 Td (were ) Tj ET Q q 0 0 0 rg BT 550.00 332.90 Td ($9 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 318.50 Td (million ) Tj ET Q q 0 0 0 rg BT 86.93 318.50 Td (\(0.06% ) Tj ET Q q 0 0 0 rg BT 124.19 318.50 Td (net ) Tj ET Q q 0 0 0 rg BT 141.11 318.50 Td (char) Tj ET Q q 0 0 0 rg BT 161.54 318.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 186.65 318.50 Td (f ) Tj ET Q q 0 0 0 rg BT 192.90 318.50 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 210.89 323.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 214.79 318.50 Td (\), ) Tj ET Q q 0 0 0 rg BT 224.05 318.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 273.62 318.50 Td (with ) Tj ET Q q 0 0 0 rg BT 297.21 318.50 Td (net ) Tj ET Q q 0 0 0 rg BT 314.14 318.50 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 365.70 318.50 Td (of ) Tj ET Q q 0 0 0 rg BT 377.96 318.50 Td ($1) Tj ET Q q 0 0 0 rg BT 389.52 318.50 Td (1 ) Tj ET Q q 0 0 0 rg BT 397.78 318.50 Td (million ) Tj ET Q q 0 0 0 rg BT 434.71 318.50 Td (\(0.09% ) Tj ET Q q 0 0 0 rg BT 471.97 318.50 Td (net ) Tj ET Q q 0 0 0 rg BT 488.89 318.50 Td (recovery ) Tj ET Q q 0 0 0 rg BT 533.12 318.50 Td (rate) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 551.11 323.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 555.01 318.50 Td (\).) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.78 298.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 152.23 298.10 Td (was ) Tj ET Q q 0 0 0 rg BT 174.69 298.10 Td ($321 ) Tj ET Q q 0 0 0 rg BT 202.48 298.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 243.95 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.07 298.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 298.17 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.96 298.10 Td ($54million, ) Tj ET Q q 0 0 0 rg BT 374.43 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 388.22 298.10 Td (14%, ) Tj ET Q q 0 0 0 rg BT 417.01 298.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 468.12 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 493.25 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.71 298.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.83 298.10 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 298.10 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 283.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 83.66 283.70 Td (by ) Tj ET Q q 0 0 0 rg BT 98.66 283.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 128.98 283.70 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 181.95 283.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 208.28 283.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 249.93 283.70 Td (and ) Tj ET Q q 0 0 0 rg BT 270.25 283.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 300.58 283.70 Td (servicing ) Tj ET Q q 0 0 0 rg BT 347.56 283.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 389.21 283.70 Td (on ) Tj ET Q q 0 0 0 rg BT 404.21 283.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 434.53 283.70 Td (default ) Tj ET Q q 0 0 0 rg BT 470.85 283.70 Td (volumes.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 242.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 242.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 242.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 242.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 242.90 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 233.94 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 233.94 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 233.94 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 233.94 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 233.94 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 233.94 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 233.94 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 233.94 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 233.94 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 233.94 Td (noted. ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 257.02 233.94 Td (A) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 261.65 233.94 Td (verage ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 284.81 233.94 Td (loans ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 304.10 233.94 Td (include ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 329.88 233.94 Td (PCI ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 344.83 233.94 Td (loans\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 211.51 cm /I35 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 214.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 214.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 152.84 214.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 195.70 214.10 Td (return ) Tj ET Q q 0 0 0 rg BT 226.54 214.10 Td (on ) Tj ET Q q 0 0 0 rg BT 240.73 214.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 272.91 214.10 Td (was ) Tj ET Q q 0 0 0 rg BT 293.76 214.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 317.95 214.10 Td (on ) Tj ET Q q 0 0 0 rg BT 332.14 214.10 Td ($18.0 ) Tj ET Q q 0 0 0 rg BT 361.33 214.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 394.86 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.04 214.10 Td (average ) Tj ET Q q 0 0 0 rg BT 446.53 214.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 492.03 214.10 Td (capital. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 197.11 cm /I36 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 199.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 199.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 199.70 Td (home ) Tj ET Q q 0 0 0 rg BT 176.41 199.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 209.40 199.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.73 199.70 Td (were ) Tj ET Q q 0 0 0 rg BT 264.05 199.70 Td ($71.4 ) Tj ET Q q 0 0 0 rg BT 294.05 199.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 331.38 199.70 Td (down ) Tj ET Q q 0 0 0 rg BT 361.05 199.70 Td ($9.3 ) Tj ET Q q 0 0 0 rg BT 385.05 199.70 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 182.71 cm /I37 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 185.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 185.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 185.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 195.07 185.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.40 185.30 Td (were ) Tj ET Q q 0 0 0 rg BT 249.71 185.30 Td ($94.5 ) Tj ET Q q 0 0 0 rg BT 279.71 185.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 317.05 185.30 Td (up ) Tj ET Q q 0 0 0 rg BT 332.05 185.30 Td ($4.8 ) Tj ET Q q 0 0 0 rg BT 356.05 185.30 Td (billion. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 168.31 cm /I38 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 170.90 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 158.98 170.90 Td (for ) Tj ET Q q 0 0 0 rg BT 175.97 170.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.63 170.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 231.30 170.90 Td (was ) Tj ET Q q 0 0 0 rg BT 252.96 170.90 Td ($5.9 ) Tj ET Q q 0 0 0 rg BT 276.96 170.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 314.30 170.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 364.61 170.90 Td (with ) Tj ET Q q 0 0 0 rg BT 388.94 170.90 Td ($7.7 ) Tj ET Q q 0 0 0 rg BT 412.94 170.90 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 153.91 cm /I39 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 156.50 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 159.97 156.50 Td (for ) Tj ET Q q 0 0 0 rg BT 177.95 156.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 202.59 156.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 235.25 156.50 Td (to ) Tj ET Q q 0 0 0 rg BT 248.57 156.50 Td (ending ) Tj ET Q q 0 0 0 rg BT 285.22 156.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.54 156.50 Td (retained, ) Tj ET Q q 0 0 0 rg BT 360.17 156.50 Td (excluding ) Tj ET Q q 0 0 0 rg BT 411.47 156.50 Td (PCI ) Tj ET Q q 0 0 0 rg BT 434.13 156.50 Td (loans) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 459.46 161.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 463.36 156.50 Td (, ) Tj ET Q q 0 0 0 rg BT 470.35 156.50 Td (was ) Tj ET Q q 0 0 0 rg BT 493.00 156.50 Td (1.92%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 142.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 142.10 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 142.10 Td (2.39%.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 125.11 cm /I40 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 127.70 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 159.05 127.70 Td (for ) Tj ET Q q 0 0 0 rg BT 176.12 127.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.85 127.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 234.59 127.70 Td (excluding ) Tj ET Q q 0 0 0 rg BT 284.99 127.70 Td (PCI ) Tj ET Q q 0 0 0 rg BT 306.73 127.70 Td (loans) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 332.06 133.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 335.96 127.70 Td (, ) Tj ET Q q 0 0 0 rg BT 342.04 127.70 Td (to ) Tj ET Q q 0 0 0 rg BT 354.44 127.70 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 410.15 127.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.56 127.70 Td (retained ) Tj ET Q q 0 0 0 rg BT 480.27 127.70 Td (was ) Tj ET Q q 0 0 0 rg BT 502.01 127.70 Td (41%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 113.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 113.30 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 113.30 Td (40%.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Card, ) Tj ET Q q 0 0 0 rg BT 81.46 740.90 Td (Mer) Tj ET Q q 0 0 0 rg BT 103.22 740.90 Td (chant ) Tj ET Q q 0 0 0 rg BT 133.68 740.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 177.45 740.90 Td (& ) Tj ET Q q 0 0 0 rg BT 188.84 740.90 Td (Auto) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 214.18 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 215.97 740.90 Td (net ) Tj ET Q q 0 0 0 rg BT 232.42 740.90 Td (income ) Tj ET Q q 0 0 0 rg BT 269.53 740.90 Td (was ) Tj ET Q q 0 0 0 rg BT 289.98 740.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 312.77 740.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 348.90 740.90 Td (a ) Tj ET Q q 0 0 0 rg BT 356.01 740.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 399.10 740.90 Td (of ) Tj ET Q q 0 0 0 rg BT 410.89 740.90 Td ($120 ) Tj ET Q q 0 0 0 rg BT 436.68 740.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 476.14 740.90 Td (or ) Tj ET Q q 0 0 0 rg BT 487.92 740.90 Td (10%, ) Tj ET Q q 0 0 0 rg BT 514.71 740.90 Td (compared ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.50 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 726.50 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 726.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 726.50 Td (year) Tj ET Q q 0 0 0 rg BT 138.49 726.50 Td (, ) Tj ET Q q 0 0 0 rg BT 144.49 726.50 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 217.47 726.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 251.13 726.50 Td (by ) Tj ET Q q 0 0 0 rg BT 266.13 726.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 299.79 726.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 348.12 726.50 Td (for ) Tj ET Q q 0 0 0 rg BT 365.11 726.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 395.43 726.50 Td (losses.) 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Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.22 628.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.12 628.10 Td (for ) Tj ET Q q 0 0 0 rg BT 135.68 628.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 165.56 628.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 196.80 628.10 Td (was ) Tj ET Q q 0 0 0 rg BT 218.03 628.10 Td ($846 ) Tj ET Q q 0 0 0 rg BT 244.60 628.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 284.83 628.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 334.71 628.10 Td (with ) Tj ET Q q 0 0 0 rg BT 358.61 628.10 Td ($673 ) Tj ET Q q 0 0 0 rg BT 385.17 628.10 Td (million ) Tj ET Q q 0 0 0 rg BT 422.41 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 434.31 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.54 628.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 477.43 628.10 Td (year) Tj ET Q q 0 0 0 rg BT 497.42 628.10 Td (. ) Tj ET Q q 0 0 0 rg BT 502.80 628.10 Td (The ) Tj ET Q q 0 0 0 rg BT 524.02 628.10 Td (current-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 613.70 Td (quarter ) Tj ET Q q 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0 0 rg BT 213.85 570.50 Td (was ) Tj ET Q q 0 0 0 rg BT 235.70 570.50 Td (1.43%, ) Tj ET Q q 0 0 0 rg BT 272.89 570.50 Td (down ) Tj ET Q q 0 0 0 rg BT 302.75 570.50 Td (from ) Tj ET Q q 0 0 0 rg BT 329.26 570.50 Td (1.69% ) Tj ET Q q 0 0 0 rg BT 363.45 570.50 Td (in ) Tj ET Q q 0 0 0 rg BT 375.97 570.50 Td (the ) Tj ET Q q 0 0 0 rg BT 393.83 570.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 420.34 570.50 Td (year) Tj ET Q q 0 0 0 rg BT 440.33 570.50 Td (. ) Tj ET Q q 0 0 0 rg BT 446.29 570.50 Td (The ) Tj ET Q q 0 0 0 rg BT 467.43 570.50 Td (Auto ) Tj ET Q q 0 0 0 rg BT 494.62 570.50 Td (net ) Tj ET Q q 0 0 0 rg BT 512.47 570.50 Td (char) Tj ET Q q 0 0 0 rg BT 532.90 570.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 558.00 570.50 Td (f ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 70.98 556.10 Td (was ) Tj ET Q q 0 0 0 rg BT 92.64 556.10 Td (0.38%, ) Tj ET Q q 0 0 0 rg BT 129.64 556.10 Td (up ) Tj ET Q q 0 0 0 rg BT 144.64 556.10 Td (from ) Tj ET Q q 0 0 0 rg BT 170.97 556.10 Td (0.35% ) Tj ET Q q 0 0 0 rg BT 204.96 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 217.30 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.96 556.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 261.28 556.10 Td (year) Tj ET Q q 0 0 0 rg BT 281.27 556.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 535.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.09 535.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.83 535.70 Td (was ) Tj ET Q q 0 0 0 rg BT 172.60 535.70 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 196.70 535.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 234.13 535.70 Td (up ) Tj ET Q q 0 0 0 rg BT 249.23 535.70 Td ($77 ) Tj ET Q q 0 0 0 rg BT 270.33 535.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 311.10 535.70 Td (or ) Tj ET Q q 0 0 0 rg BT 324.20 535.70 Td (4%, ) Tj ET Q q 0 0 0 rg BT 346.29 535.70 Td (from ) Tj ET Q q 0 0 0 rg BT 372.72 535.70 Td (the ) Tj ET Q q 0 0 0 rg BT 390.48 535.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 416.90 535.70 Td (year) Tj ET Q q 0 0 0 rg BT 437.07 535.70 Td (, ) Tj ET Q q 0 0 0 rg BT 443.17 535.70 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 516.25 535.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.01 535.70 Td (by ) Tj ET Q q 0 0 0 rg BT 565.01 535.70 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 521.30 Td (an ) Tj ET Q q 0 0 0 rg BT 64.33 521.30 Td (accrual ) Tj ET Q q 0 0 0 rg BT 101.96 521.30 Td (related ) Tj ET Q q 0 0 0 rg BT 137.60 521.30 Td (to ) Tj ET Q q 0 0 0 rg BT 149.94 521.30 Td (Home ) Tj ET Q q 0 0 0 rg BT 182.26 521.30 Td (Depot ) Tj ET Q q 0 0 0 rg BT 214.59 521.30 Td (fraud ) Tj ET Q q 0 0 0 rg BT 242.91 521.30 Td (and ) Tj ET Q q 0 0 0 rg BT 263.23 521.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 296.23 521.30 Td (Auto ) Tj ET Q q 0 0 0 rg BT 323.23 521.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 350.21 521.30 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 412.51 521.30 Td (expense.) 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Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 434.71 cm /I42 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 437.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.00 437.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 149.32 437.30 Td (card ) Tj ET Q q 0 0 0 rg BT 172.96 437.30 Td (issuer ) Tj ET Q q 0 0 0 rg BT 203.96 437.30 Td (in ) Tj ET Q q 0 0 0 rg BT 216.29 437.30 Td (the ) Tj ET Q q 0 0 0 rg BT 233.96 437.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 258.29 437.30 Td (based ) Tj ET Q q 0 0 0 rg BT 288.62 437.30 Td (on ) Tj ET Q q 0 0 0 rg BT 303.62 437.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 331.95 437.30 Td (outstanding) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 387.95 442.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 391.84 437.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 420.31 cm /I43 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 422.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.00 422.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 143.34 422.90 Td (co-brand ) Tj ET Q q 0 0 0 rg BT 188.98 422.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 219.30 422.90 Td (card ) Tj ET Q q 0 0 0 rg BT 242.95 422.90 Td (issuer) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 270.95 428.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 274.84 422.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 405.91 cm /I44 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 408.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.00 408.50 Td (global ) Tj ET Q q 0 0 0 rg BT 151.78 408.50 Td (V) Tj ET Q q 0 0 0 rg BT 159.72 408.50 Td (isa ) Tj ET Q q 0 0 0 rg BT 176.05 408.50 Td (issuer) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 204.05 413.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 207.95 408.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 391.51 cm /I45 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 394.10 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.31 394.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 191.95 394.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 217.93 394.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 241.24 394.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 285.21 394.10 Td (were ) Tj ET Q q 0 0 0 rg BT 311.17 394.10 Td ($127.0 ) Tj ET Q q 0 0 0 rg BT 346.83 394.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 383.81 394.10 Td (up ) Tj ET Q q 0 0 0 rg BT 398.47 394.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 417.12 394.10 Td (from ) Tj ET Q q 0 0 0 rg BT 443.10 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.41 394.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.39 394.10 Td (year ) Tj ET Q q 0 0 0 rg BT 509.69 394.10 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 379.70 Td (1% ) Tj ET Q q 0 0 0 rg BT 122.45 379.70 Td (from ) Tj ET Q q 0 0 0 rg BT 148.23 379.70 Td (the ) Tj ET Q q 0 0 0 rg BT 165.34 379.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 191.12 379.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 224.44 379.70 Td (. ) Tj ET Q q 0 0 0 rg BT 229.89 379.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 262.34 379.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 288.12 379.70 Td (average ) Tj ET Q q 0 0 0 rg BT 327.88 379.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 355.66 379.70 Td (were ) Tj ET Q q 0 0 0 rg BT 381.43 379.70 Td ($126.1 ) Tj ET Q q 0 0 0 rg BT 416.88 379.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 453.67 379.70 Td (up ) Tj ET Q q 0 0 0 rg BT 468.12 379.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 486.57 379.70 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 379.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 365.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 365.30 Td (year ) Tj ET Q q 0 0 0 rg BT 153.97 365.30 Td (and ) Tj ET Q q 0 0 0 rg BT 174.30 365.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.63 365.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 233.94 365.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 348.31 cm /I46 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 350.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 130.34 350.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 174.00 350.90 Td (net ) Tj ET Q q 0 0 0 rg BT 191.68 350.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.67 350.90 Td (as ) Tj ET Q q 0 0 0 rg BT 245.68 350.90 Td (a ) Tj ET Q q 0 0 0 rg BT 254.01 350.90 Td (percentage ) Tj ET Q q 0 0 0 rg BT 308.99 350.90 Td (of ) Tj ET Q q 0 0 0 rg BT 322.00 350.90 Td (average ) Tj ET Q q 0 0 0 rg BT 362.31 350.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 390.66 350.90 Td (was ) Tj ET Q q 0 0 0 rg BT 412.33 350.90 Td (12.07%, ) Tj ET Q q 0 0 0 rg BT 455.34 350.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 505.66 350.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 336.50 Td (12.22% ) Tj ET Q q 0 0 0 rg BT 144.00 336.50 Td (in ) Tj ET Q q 0 0 0 rg BT 156.33 336.50 Td (the ) Tj ET Q q 0 0 0 rg BT 173.99 336.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.32 336.50 Td (year ) Tj ET Q q 0 0 0 rg BT 223.96 336.50 Td (and ) Tj ET Q q 0 0 0 rg BT 244.29 336.50 Td (12.15% ) Tj ET Q q 0 0 0 rg BT 284.29 336.50 Td (in ) Tj ET Q q 0 0 0 rg BT 296.62 336.50 Td (the ) Tj ET Q q 0 0 0 rg BT 314.28 336.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.61 336.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 373.92 336.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 319.51 cm /I47 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 322.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 322.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.46 322.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 169.84 322.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 197.88 322.10 Td (were ) Tj ET Q q 0 0 0 rg BT 223.91 322.10 Td ($52.7 ) Tj ET Q q 0 0 0 rg BT 253.62 322.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 290.67 322.10 Td (up ) Tj ET Q q 0 0 0 rg BT 305.38 322.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 324.09 322.10 Td (from ) Tj ET Q q 0 0 0 rg BT 350.13 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.50 322.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 393.54 322.10 Td (year ) Tj ET Q q 0 0 0 rg BT 416.90 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 436.94 322.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 455.64 322.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 505.67 322.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 307.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 307.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 307.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 307.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 290.71 cm /I48 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 293.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 122.20 293.30 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 197.72 293.30 Td (merchant ) Tj ET Q q 0 0 0 rg BT 248.56 293.30 Td (acquirer ) Tj ET Q q 0 0 0 rg BT 294.06 293.30 Td (with ) Tj ET Q q 0 0 0 rg BT 321.59 293.30 Td (approximately ) Tj ET Q q 0 0 0 rg BT 397.10 293.30 Td (50% ) Tj ET Q q 0 0 0 rg BT 425.29 293.30 Td (of ) Tj ET Q q 0 0 0 rg BT 441.49 293.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 469.03 293.30 Td (eCommerce ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 278.90 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 139.99 284.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 143.89 278.90 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 250.10 Td (TE ) Tj ET Q q 0 0 0 rg BT 124.35 250.10 Td (& ) Tj ET Q q 0 0 0 rg BT 136.68 250.10 Td (INVESTMENT ) Tj ET Q q 0 0 0 rg BT 217.70 250.10 Td (BANK ) Tj ET Q q 0 0 0 rg BT 253.38 250.10 Td (\(CIB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 239.60000000000002 m 50.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 239.60000000000002 m 231.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 239.60000000000002 m 231.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 239.60000000000002 m 276.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 239.60000000000002 m 280.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 239.60000000000002 m 280.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 239.60000000000002 m 325.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 239.60000000000002 m 329.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 239.60000000000002 m 329.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 239.60000000000002 m 374.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 239.60000000000002 m 378.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 239.60000000000002 m 378.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 239.60000000000002 m 423.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 224.60000000000002 m 423.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 239.60000000000002 m 468.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 224.60000000000002 m 468.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 239.60000000000002 m 472.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 224.60000000000002 m 472.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 239.60000000000002 m 472.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 239.60000000000002 m 517.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 224.60000000000002 m 517.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 239.60000000000002 m 562.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 239.60000000000002 m 562.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 224.60000000000002 m 562.5 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 224.60000000000002 m 50.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 209.60000000000002 m 231.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 224.60000000000002 m 231.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 209.60000000000002 m 276.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 209.60000000000002 m 280.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 224.60000000000002 m 280.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 209.60000000000002 m 325.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 209.60000000000002 m 329.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 224.60000000000002 m 329.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 209.60000000000002 m 374.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 209.60000000000002 m 378.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 224.60000000000002 m 378.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 209.60000000000002 m 423.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 224.60000000000002 m 423.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 209.60000000000002 m 468.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 209.60000000000002 m 472.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 224.60000000000002 m 472.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 209.60000000000002 m 517.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 224.60000000000002 m 517.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 224.60000000000002 m 562.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 209.60000000000002 m 562.5 209.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 209.60000000000002 m 50.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 194.60000000000002 m 231.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 209.60000000000002 m 231.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 194.60000000000002 m 276.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 194.60000000000002 m 280.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 209.60000000000002 m 280.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 194.60000000000002 m 325.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 194.60000000000002 m 329.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 209.60000000000002 m 329.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 194.60000000000002 m 374.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 194.60000000000002 m 378.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 209.60000000000002 m 378.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 194.60000000000002 m 423.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 209.60000000000002 m 423.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 209.60000000000002 m 472.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 194.60000000000002 m 517.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 209.60000000000002 m 517.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 209.60000000000002 m 562.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 194.60000000000002 m 562.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 194.60000000000002 m 50.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 179.60000000000002 m 231.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 194.60000000000002 m 231.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 179.60000000000002 m 276.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 179.60000000000002 m 280.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 194.60000000000002 m 280.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 179.60000000000002 m 325.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 179.60000000000002 m 329.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 194.60000000000002 m 329.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 179.60000000000002 m 374.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 179.60000000000002 m 378.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 194.60000000000002 m 378.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 179.60000000000002 m 423.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 194.60000000000002 m 423.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 194.60000000000002 m 468.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 179.60000000000002 m 468.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 194.60000000000002 m 472.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 194.60000000000002 m 472.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 179.60000000000002 m 472.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 194.60000000000002 m 517.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 194.60000000000002 m 517.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 179.60000000000002 m 517.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 194.60000000000002 m 517.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 194.60000000000002 m 562.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 179.60000000000002 m 562.5 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 179.60000000000002 m 50.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 164.60000000000002 m 231.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 179.60000000000002 m 231.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 164.60000000000002 m 276.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 164.60000000000002 m 280.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 179.60000000000002 m 280.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 164.60000000000002 m 325.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 164.60000000000002 m 329.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 179.60000000000002 m 329.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 164.60000000000002 m 374.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 164.60000000000002 m 378.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 179.60000000000002 m 378.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 164.60000000000002 m 423.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 179.60000000000002 m 423.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 164.60000000000002 m 468.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 164.60000000000002 m 472.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 179.60000000000002 m 472.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 164.60000000000002 m 517.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 179.60000000000002 m 517.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 179.60000000000002 m 562.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 164.60000000000002 m 562.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 164.60000000000002 m 50.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 149.60000000000002 m 231.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 164.60000000000002 m 231.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 149.60000000000002 m 276.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 149.60000000000002 m 280.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 164.60000000000002 m 280.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 149.60000000000002 m 325.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 149.60000000000002 m 329.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 164.60000000000002 m 329.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 149.60000000000002 m 374.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 149.60000000000002 m 378.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 164.60000000000002 m 378.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 149.60000000000002 m 423.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 164.60000000000002 m 423.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 149.60000000000002 m 468.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 149.60000000000002 m 472.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 164.60000000000002 m 472.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 149.60000000000002 m 517.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 164.60000000000002 m 517.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 164.60000000000002 m 562.5 149.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 149.60000000000002 m 562.5 149.60000000000002 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 229.47 Td (Results for CIB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 229.47 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 229.47 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 214.47 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 214.47 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 214.47 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 214.47 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 214.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 214.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 214.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 214.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 199.47 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 199.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 199.47 Td (8,787) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 199.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 199.47 Td (8,991) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 199.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 199.47 Td (8,189) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 199.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 199.47 Td (\(204) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 199.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 199.47 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 199.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 199.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 199.47 Td (598) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 199.47 Td (7) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 199.47 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 184.47 Td (ProvisionforCreditLosses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 257.60 184.47 Td (\(67) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 184.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 306.60 184.47 Td (\(84) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 184.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 350.10 184.47 Td (\(218) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 184.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 184.47 Td (17) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 184.47 Td (\(20) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 184.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 184.47 Td (151) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 184.47 Td (\(69) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 184.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 169.47 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 169.47 Td (6,035) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 169.47 Td (6,058) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 169.47 Td (4,999) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 169.47 Td (\(23) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 169.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 444.15 169.47 Td (? Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 488.50 169.47 Td (1,036) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.15 169.47 Td (21) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 154.47 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 154.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 154.47 Td (1,485) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 154.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 154.47 Td (1,963) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 154.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 154.47 Td (2,240) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 154.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 154.47 Td (\(478) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 154.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 154.47 Td (\(24) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 154.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 154.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 154.47 Td (\(755) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 154.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 154.47 Td (\(34) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 154.47 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 123.70 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 109.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 71.58 109.30 Td (income ) Tj ET Q q 0 0 0 rg BT 111.16 109.30 Td (was ) Tj ET Q q 0 0 0 rg BT 134.08 109.30 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 159.34 109.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 197.94 109.30 Td (down ) Tj ET Q q 0 0 0 rg BT 228.86 109.30 Td (34%, ) Tj ET Q q 0 0 0 rg BT 258.11 109.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 309.68 109.30 Td (with ) Tj ET Q q 0 0 0 rg BT 335.27 109.30 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 360.53 109.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 396.13 109.30 Td (in ) Tj ET Q q 0 0 0 rg BT 409.72 109.30 Td (the ) Tj ET Q q 0 0 0 rg BT 428.64 109.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 456.22 109.30 Td (year ) Tj ET Q q 0 0 0 rg BT 481.13 109.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 531.36 109.30 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 94.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 107.25 94.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.83 94.90 Td (and ) Tj ET Q q 0 0 0 rg BT 171.09 94.90 Td (a ) Tj ET Q q 0 0 0 rg BT 180.35 94.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 211.61 94.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 248.86 94.90 Td (from ) Tj ET Q q 0 0 0 rg BT 276.12 94.90 Td (the ) Tj ET Q q 0 0 0 rg BT 294.71 94.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 343.98 94.90 Td (for ) Tj ET Q q 0 0 0 rg BT 361.90 94.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 393.15 94.90 Td (losses, ) Tj ET Q q 0 0 0 rg BT 428.76 94.90 Td (lar) Tj ET Q q 0 0 0 rg BT 441.20 94.90 Td (gely ) Tj ET Q q 0 0 0 rg BT 465.79 94.90 Td (of) Tj ET Q q 0 0 0 rg BT 475.57 94.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 496.83 94.90 Td (by ) Tj ET Q q 0 0 0 rg BT 512.76 94.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 547.35 94.90 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 80.50 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 93.73 80.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 113.81 80.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 154.54 80.50 Td (was ) Tj ET Q q 0 0 0 rg BT 175.95 80.50 Td ($8.8 ) Tj ET Q q 0 0 0 rg BT 199.71 80.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 233.80 80.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 283.86 80.50 Td (with ) Tj ET Q q 0 0 0 rg BT 307.95 80.50 Td ($8.2 ) Tj ET Q q 0 0 0 rg BT 331.70 80.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 365.79 80.50 Td (in ) Tj ET Q q 0 0 0 rg BT 377.88 80.50 Td (the ) Tj ET Q q 0 0 0 rg BT 395.29 80.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.37 80.50 Td (year) Tj ET Q q 0 0 0 rg BT 441.36 80.50 Td (. ) Tj ET Q q 0 0 0 rg BT 447.11 80.50 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 499.19 80.50 Td (the ) Tj ET Q q 0 0 0 rg BT 516.61 80.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 552.01 80.50 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 66.10 Td (a ) Tj ET Q q 0 0 0 rg BT 58.38 66.10 Td (DV) Tj ET Q q 0 0 0 rg BT 74.17 66.10 Td (A) Tj ET Q q 0 0 0 rg BT 82.17 66.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.22 66.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 106.95 66.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.00 66.10 Td ($397 ) Tj ET Q q 0 0 0 rg BT 147.06 66.10 Td (million ) Tj ET Q q 0 0 0 rg BT 184.78 66.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.17 66.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.88 66.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 241.26 66.10 Td (year) Tj ET Q q 0 0 0 rg BT 261.43 66.10 Td (, ) Tj ET Q q 0 0 0 rg BT 267.49 66.10 Td (net ) Tj ET Q q 0 0 0 rg BT 285.20 66.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 326.23 66.10 Td (was ) Tj ET Q q 0 0 0 rg BT 347.94 66.10 Td (up ) Tj ET Q q 0 0 0 rg BT 363.00 66.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 382.05 66.10 Td (from ) Tj ET Q q 0 0 0 rg BT 408.43 66.10 Td ($8.6 ) Tj ET Q q 0 0 0 rg BT 432.48 66.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 466.87 66.10 Td (and ) Tj ET Q q 0 0 0 rg BT 487.25 66.10 Td (net ) Tj ET Q q 0 0 0 rg BT 504.97 66.10 Td (income ) Tj ET Q q 0 0 0 rg BT 543.34 66.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 51.70 Td (down ) Tj ET Q q 0 0 0 rg BT 79.67 51.70 Td (40% ) Tj ET Q q 0 0 0 rg BT 104.66 51.70 Td (from ) Tj ET Q q 0 0 0 rg BT 130.99 51.70 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 154.99 51.70 Td (billion.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (Banking ) Tj ET Q q 0 0 0 rg BT 93.32 740.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 133.95 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 155.26 740.70 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 178.92 740.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 215.91 740.70 Td (down ) Tj ET Q q 0 0 0 rg BT 245.23 740.70 Td (6% ) Tj ET Q q 0 0 0 rg BT 263.88 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 289.86 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 307.17 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 333.15 740.70 Td (year) Tj ET Q q 0 0 0 rg BT 353.14 740.70 Td (. ) Tj ET Q q 0 0 0 rg BT 358.79 740.70 Td (Investment ) Tj ET Q q 0 0 0 rg BT 414.77 740.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 456.08 740.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 478.06 740.70 Td (were ) Tj ET Q q 0 0 0 rg BT 504.03 740.70 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 527.68 740.70 Td (billion, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 64.77 726.30 Td (2% ) Tj ET Q q 0 0 0 rg BT 83.53 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 109.62 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 127.05 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 153.14 726.30 Td (year) Tj ET Q q 0 0 0 rg BT 173.31 726.30 Td (, ) Tj ET Q q 0 0 0 rg BT 179.08 726.30 Td ( ) Tj ET Q q 0 0 0 rg BT 181.85 726.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 215.27 726.30 Td (by ) Tj ET Q q 0 0 0 rg BT 230.04 726.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 263.46 726.30 Td (advisory ) Tj ET Q q 0 0 0 rg BT 307.55 726.30 Td (fees ) Tj ET Q q 0 0 0 rg BT 329.64 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 342.40 726.30 Td ($413 ) Tj ET Q q 0 0 0 rg BT 369.17 726.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 409.61 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 424.37 726.30 Td (28% ) Tj ET Q q 0 0 0 rg BT 449.14 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 475.23 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 492.66 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 518.75 726.30 Td (year) Tj ET Q q 0 0 0 rg BT 538.92 726.30 Td (, ) Tj ET Q q 0 0 0 rg BT 544.69 726.30 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (by ) Tj ET Q q 0 0 0 rg BT 64.44 711.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 97.54 711.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 129.97 711.90 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 194.40 711.90 Td (fees ) Tj ET Q q 0 0 0 rg BT 216.16 711.90 Td (of ) Tj ET Q q 0 0 0 rg BT 228.59 711.90 Td ($414 ) Tj ET Q q 0 0 0 rg BT 255.03 711.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 295.14 711.90 Td (up ) Tj ET Q q 0 0 0 rg BT 309.58 711.90 Td (24% ) Tj ET Q q 0 0 0 rg BT 334.02 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 359.79 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 376.89 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 402.66 711.90 Td (year) Tj ET Q q 0 0 0 rg BT 422.82 711.90 Td (, ) Tj ET Q q 0 0 0 rg BT 428.26 711.90 Td (on ) Tj ET Q q 0 0 0 rg BT 442.70 711.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 475.80 711.90 Td (levels ) Tj ET Q q 0 0 0 rg BT 506.23 711.90 Td (of ) Tj ET Q q 0 0 0 rg BT 518.67 711.90 Td (industry-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (wide ) Tj ET Q q 0 0 0 rg BT 76.52 697.50 Td (activity) Tj ET Q q 0 0 0 rg BT 111.73 697.50 Td (. ) Tj ET Q q 0 0 0 rg BT 117.69 697.50 Td (These ) Tj ET Q q 0 0 0 rg BT 149.54 697.50 Td (increases ) Tj ET Q q 0 0 0 rg BT 196.70 697.50 Td (were ) Tj ET Q q 0 0 0 rg BT 223.21 697.50 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 296.39 697.50 Td (of) Tj ET Q q 0 0 0 rg BT 306.17 697.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 326.69 697.50 Td (by ) Tj ET Q q 0 0 0 rg BT 341.88 697.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 372.40 697.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 396.25 697.50 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 461.43 697.50 Td (fees ) Tj ET Q q 0 0 0 rg BT 483.94 697.50 Td (of ) Tj ET Q q 0 0 0 rg BT 497.13 697.50 Td ($715 ) Tj ET Q q 0 0 0 rg BT 524.33 697.50 Td (million, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (down ) Tj ET Q q 0 0 0 rg BT 79.94 683.10 Td (16% ) Tj ET Q q 0 0 0 rg BT 105.22 683.10 Td (from ) Tj ET Q q 0 0 0 rg BT 131.82 683.10 Td (a ) Tj ET Q q 0 0 0 rg BT 140.43 683.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 173.71 683.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.31 683.10 Td (year) Tj ET Q q 0 0 0 rg BT 220.30 683.10 Td (. ) Tj ET Q q 0 0 0 rg BT 226.34 683.10 Td (T) Tj ET Q q 0 0 0 rg BT 233.25 683.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 271.84 683.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 315.77 683.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 357.02 683.10 Td (was ) Tj ET Q q 0 0 0 rg BT 378.96 683.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 403.24 683.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 440.86 683.10 Td (down ) Tj ET Q q 0 0 0 rg BT 470.80 683.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 490.07 683.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.66 683.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 68.08 668.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 94.83 668.70 Td (year) Tj ET Q q 0 0 0 rg BT 115.00 668.70 Td (, ) Tj ET Q q 0 0 0 rg BT 121.42 668.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 155.50 668.70 Td (by ) Tj ET Q q 0 0 0 rg BT 170.92 668.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 201.66 668.70 Td (trade ) Tj ET Q q 0 0 0 rg BT 229.07 668.70 Td (finance ) Tj ET Q q 0 0 0 rg BT 267.80 668.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 309.20 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 329.94 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 348.03 668.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 384.10 668.70 Td (of ) Tj ET Q q 0 0 0 rg BT 397.52 668.70 Td (business ) Tj ET Q q 0 0 0 rg BT 441.61 668.70 Td (simplification ) Tj ET Q q 0 0 0 rg BT 511.69 668.70 Td (initiatives, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 654.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 122.06 654.30 Td (of) Tj ET Q q 0 0 0 rg BT 131.84 654.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 151.24 654.30 Td (by ) Tj ET Q q 0 0 0 rg BT 165.31 654.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 198.04 654.30 Td (net ) Tj ET Q q 0 0 0 rg BT 214.77 654.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 252.16 654.30 Td (income ) Tj ET Q q 0 0 0 rg BT 289.56 654.30 Td (on ) Tj ET Q q 0 0 0 rg BT 303.63 654.30 Td (increased ) Tj ET Q q 0 0 0 rg BT 351.01 654.30 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 395.41 654.30 Td (Lending ) Tj ET Q q 0 0 0 rg BT 437.48 654.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 477.52 654.30 Td (was ) Tj ET Q q 0 0 0 rg BT 498.26 654.30 Td ($147 ) Tj ET Q q 0 0 0 rg BT 524.33 654.30 Td (million, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 639.90 Td (down ) Tj ET Q q 0 0 0 rg BT 80.76 639.90 Td (from ) Tj ET Q q 0 0 0 rg BT 108.18 639.90 Td ($351 ) Tj ET Q q 0 0 0 rg BT 136.27 639.90 Td (million ) Tj ET Q q 0 0 0 rg BT 175.03 639.90 Td (in ) Tj ET Q q 0 0 0 rg BT 188.46 639.90 Td (the ) Tj ET Q q 0 0 0 rg BT 207.21 639.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 234.63 639.90 Td (year) Tj ET Q q 0 0 0 rg BT 254.80 639.90 Td (, ) Tj ET Q q 0 0 0 rg BT 261.89 639.90 Td (primarily ) Tj ET Q q 0 0 0 rg BT 310.64 639.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 345.39 639.90 Td (by ) Tj ET Q q 0 0 0 rg BT 361.48 639.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 394.24 639.90 Td (of ) Tj ET Q q 0 0 0 rg BT 408.33 639.90 Td (over ) Tj ET Q q 0 0 0 rg BT 433.75 639.90 Td ($100 ) Tj ET Q q 0 0 0 rg BT 461.84 639.90 Td (million ) Tj ET Q q 0 0 0 rg BT 500.60 639.90 Td (on ) Tj ET Q q 0 0 0 rg BT 516.70 639.90 Td (securities ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 625.50 Td (received ) Tj ET Q q 0 0 0 rg BT 93.63 625.50 Td (from ) Tj ET Q q 0 0 0 rg BT 119.96 625.50 Td (restructured ) Tj ET Q q 0 0 0 rg BT 180.27 625.50 Td (loans, ) Tj ET Q q 0 0 0 rg BT 211.60 625.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 261.90 625.50 Td (to ) Tj ET Q q 0 0 0 rg BT 274.24 625.50 Td (modest ) Tj ET Q q 0 0 0 rg BT 311.90 625.50 Td (gains ) Tj ET Q q 0 0 0 rg BT 340.23 625.50 Td (in ) Tj ET Q q 0 0 0 rg BT 352.57 625.50 Td (the ) Tj ET Q q 0 0 0 rg BT 370.23 625.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 396.55 625.50 Td (period.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 92.48 605.10 Td (& ) Tj ET Q q 0 0 0 rg BT 104.96 605.10 Td (Investor ) Tj ET Q q 0 0 0 rg BT 147.44 605.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 191.25 605.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.37 605.10 Td (was ) Tj ET Q q 0 0 0 rg BT 254.19 605.10 Td ($6.1 ) Tj ET Q q 0 0 0 rg BT 278.34 605.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 315.83 605.10 Td (up ) Tj ET Q q 0 0 0 rg BT 330.99 605.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 356.14 605.10 Td (from ) Tj ET Q q 0 0 0 rg BT 382.62 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.43 605.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 426.91 605.10 Td (year) Tj ET Q q 0 0 0 rg BT 446.90 605.10 Td (. ) Tj ET Q q 0 0 0 rg BT 453.05 605.10 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 483.54 605.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 522.68 605.10 Td (Markets ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 590.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 91.55 590.70 Td (of ) Tj ET Q q 0 0 0 rg BT 105.12 590.70 Td ($3.5 ) Tj ET Q q 0 0 0 rg BT 129.69 590.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 164.60 590.70 Td (was ) Tj ET Q q 0 0 0 rg BT 186.84 590.70 Td (up ) Tj ET Q q 0 0 0 rg BT 202.41 590.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 221.98 590.70 Td (from ) Tj ET Q q 0 0 0 rg BT 248.88 590.70 Td (the ) Tj ET Q q 0 0 0 rg BT 267.12 590.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 294.02 590.70 Td (year ) Tj ET Q q 0 0 0 rg BT 318.24 590.70 Td (with ) Tj ET Q q 0 0 0 rg BT 343.15 590.70 Td (particularly ) Tj ET Q q 0 0 0 rg BT 402.03 590.70 Td (strong ) Tj ET Q q 0 0 0 rg BT 435.61 590.70 Td (performance ) Tj ET Q q 0 0 0 rg BT 499.81 590.70 Td (in ) Tj ET Q q 0 0 0 rg BT 512.71 590.70 Td (currencies ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 576.30 Td (and ) Tj ET Q q 0 0 0 rg BT 70.19 576.30 Td (emer) Tj ET Q q 0 0 0 rg BT 93.96 576.30 Td (ging ) Tj ET Q q 0 0 0 rg BT 118.16 576.30 Td (markets. ) Tj ET Q q 0 0 0 rg BT 162.01 576.30 Td (Equity ) Tj ET Q q 0 0 0 rg BT 196.87 576.30 Td (Markets ) Tj ET Q q 0 0 0 rg BT 239.06 576.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 279.90 576.30 Td (of ) Tj ET Q q 0 0 0 rg BT 292.76 576.30 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 316.63 576.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 350.83 576.30 Td (was ) Tj ET Q q 0 0 0 rg BT 372.35 576.30 Td (down ) Tj ET Q q 0 0 0 rg BT 401.88 576.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 420.75 576.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 470.92 576.30 Td (with ) Tj ET Q q 0 0 0 rg BT 495.12 576.30 Td (the ) Tj ET Q q 0 0 0 rg BT 512.64 576.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.84 576.30 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 576.30 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 561.90 Td (primarily ) Tj ET Q q 0 0 0 rg BT 96.65 561.90 Td (on ) Tj ET Q q 0 0 0 rg BT 110.65 561.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 139.97 561.90 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 194.62 561.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 234.59 561.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 283.89 561.90 Td (to ) Tj ET Q q 0 0 0 rg BT 295.23 561.90 Td (a ) Tj ET Q q 0 0 0 rg BT 302.55 561.90 Td (strong ) Tj ET Q q 0 0 0 rg BT 334.55 561.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 359.87 561.90 Td (year ) Tj ET Q q 0 0 0 rg BT 382.52 561.90 Td (lar) Tj ET Q q 0 0 0 rg BT 394.96 561.90 Td (gely ) Tj ET Q q 0 0 0 rg BT 417.62 561.90 Td (of) Tj ET Q q 0 0 0 rg BT 427.40 561.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 446.72 561.90 Td (by ) Tj ET Q q 0 0 0 rg BT 460.72 561.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 493.37 561.90 Td (prime ) Tj ET Q q 0 0 0 rg BT 523.36 561.90 Td (services ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 547.50 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 93.67 547.50 Td (Securities ) Tj ET Q q 0 0 0 rg BT 143.69 547.50 Td (Services ) Tj ET Q q 0 0 0 rg BT 187.04 547.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 227.71 547.50 Td (was ) Tj ET Q q 0 0 0 rg BT 249.08 547.50 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 272.77 547.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 309.81 547.50 Td (up ) Tj ET Q q 0 0 0 rg BT 324.51 547.50 Td (8% ) Tj ET Q q 0 0 0 rg BT 343.20 547.50 Td (from ) Tj ET Q q 0 0 0 rg BT 369.22 547.50 Td (the ) Tj ET Q q 0 0 0 rg BT 386.58 547.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 412.61 547.50 Td (year ) Tj ET Q q 0 0 0 rg BT 435.95 547.50 Td (primarily ) Tj ET Q q 0 0 0 rg BT 483.31 547.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 516.66 547.50 Td (by ) Tj ET Q q 0 0 0 rg BT 531.36 547.50 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 533.10 Td (net ) Tj ET Q q 0 0 0 rg BT 68.47 533.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 107.59 533.10 Td (income ) Tj ET Q q 0 0 0 rg BT 146.72 533.10 Td (on ) Tj ET Q q 0 0 0 rg BT 162.52 533.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 211.63 533.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 254.77 533.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.91 533.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 310.37 533.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 333.49 533.10 Td (and ) Tj ET Q q 0 0 0 rg BT 354.62 533.10 Td (commissions. ) Tj ET Q q 0 0 0 rg BT 424.10 533.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 457.06 533.10 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 521.53 533.10 Td (& ) Tj ET Q q 0 0 0 rg BT 534.67 533.10 Td (Other ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 518.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 90.65 518.70 Td (was ) Tj ET Q q 0 0 0 rg BT 112.00 518.70 Td (a ) Tj ET Q q 0 0 0 rg BT 120.00 518.70 Td (gain ) Tj ET Q q 0 0 0 rg BT 143.34 518.70 Td (of ) Tj ET Q q 0 0 0 rg BT 156.02 518.70 Td ($240 ) Tj ET Q q 0 0 0 rg BT 182.69 518.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 223.04 518.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 270.38 518.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 303.71 518.70 Td (by ) Tj ET Q q 0 0 0 rg BT 318.39 518.70 Td (DV) Tj ET Q q 0 0 0 rg BT 334.18 518.70 Td (A/FV) Tj ET Q q 0 0 0 rg BT 359.97 518.70 Td (A) Tj ET Q q 0 0 0 rg BT 367.97 518.70 Td ( ) Tj ET Q q 0 0 0 rg BT 370.65 518.70 Td (as ) Tj ET Q q 0 0 0 rg BT 383.33 518.70 Td (a ) Tj ET Q q 0 0 0 rg BT 391.33 518.70 Td (result ) Tj ET Q q 0 0 0 rg BT 420.67 518.70 Td (of ) Tj ET Q q 0 0 0 rg BT 433.35 518.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 463.34 518.70 Td (spread ) Tj ET Q q 0 0 0 rg BT 497.34 518.70 Td (widening ) Tj ET Q q 0 0 0 rg BT 544.68 518.70 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 504.30 Td (refinements ) Tj ET Q q 0 0 0 rg BT 110.09 504.30 Td (to ) Tj ET Q q 0 0 0 rg BT 122.87 504.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 158.96 504.30 Td (funding ) Tj ET Q q 0 0 0 rg BT 199.73 504.30 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 265.51 504.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 316.27 504.30 Td (with ) Tj ET Q q 0 0 0 rg BT 341.05 504.30 Td (a ) Tj ET Q q 0 0 0 rg BT 349.82 504.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 371.94 504.30 Td (of ) Tj ET Q q 0 0 0 rg BT 385.38 504.30 Td ($409 ) Tj ET Q q 0 0 0 rg BT 412.82 504.30 Td (million ) Tj ET Q q 0 0 0 rg BT 450.94 504.30 Td (in ) Tj ET Q q 0 0 0 rg BT 463.72 504.30 Td (the ) Tj ET Q q 0 0 0 rg BT 481.82 504.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 508.60 504.30 Td (year ) Tj ET Q q 0 0 0 rg BT 532.69 504.30 Td (which ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 489.90 Td (was ) Tj ET Q q 0 0 0 rg BT 71.66 489.90 Td (primarily ) Tj ET Q q 0 0 0 rg BT 119.32 489.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 152.97 489.90 Td (by ) Tj ET Q q 0 0 0 rg BT 167.97 489.90 Td (DV) Tj ET Q q 0 0 0 rg BT 183.76 489.90 Td (A.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 469.50 Td (The ) Tj ET Q q 0 0 0 rg BT 71.56 469.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.79 469.50 Td (for ) Tj ET Q q 0 0 0 rg BT 136.69 469.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.91 469.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.48 469.50 Td (was ) Tj ET Q q 0 0 0 rg BT 220.04 469.50 Td (a ) Tj ET Q q 0 0 0 rg BT 228.27 469.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 264.49 469.50 Td (of ) Tj ET Q q 0 0 0 rg BT 277.39 469.50 Td ($67 ) Tj ET Q q 0 0 0 rg BT 298.29 469.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 338.86 469.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 389.07 469.50 Td (with ) Tj ET Q q 0 0 0 rg BT 413.31 469.50 Td (a ) Tj ET Q q 0 0 0 rg BT 421.53 469.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 457.75 469.50 Td (of ) Tj ET Q q 0 0 0 rg BT 470.65 469.50 Td ($218 ) Tj ET Q q 0 0 0 rg BT 497.55 469.50 Td (million ) Tj ET Q q 0 0 0 rg BT 535.12 469.50 Td (in ) Tj ET Q q 0 0 0 rg BT 547.36 469.50 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 455.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 75.80 455.10 Td (year) Tj ET Q q 0 0 0 rg BT 95.79 455.10 Td (. ) Tj ET Q q 0 0 0 rg BT 101.08 455.10 Td (The ) Tj ET Q q 0 0 0 rg BT 122.21 455.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 146.67 455.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.14 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.27 455.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 227.38 455.10 Td (for ) Tj ET Q q 0 0 0 rg BT 243.85 455.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 266.98 455.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 298.12 455.10 Td (to ) Tj ET Q q 0 0 0 rg BT 309.93 455.10 Td (period-end ) Tj ET Q q 0 0 0 rg BT 364.38 455.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 392.18 455.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 433.30 455.10 Td (was ) Tj ET Q q 0 0 0 rg BT 454.43 455.10 Td (1.13%, ) Tj ET Q q 0 0 0 rg BT 490.90 455.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.68 455.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 440.70 Td (1.09% ) Tj ET Q q 0 0 0 rg BT 83.10 440.70 Td (in ) Tj ET Q q 0 0 0 rg BT 94.54 440.70 Td (the ) Tj ET Q q 0 0 0 rg BT 111.30 440.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 136.73 440.70 Td (year) Tj ET Q q 0 0 0 rg BT 156.72 440.70 Td (. ) Tj ET Q q 0 0 0 rg BT 161.82 440.70 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 213.25 440.70 Td (the ) Tj ET Q q 0 0 0 rg BT 230.01 440.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 264.77 440.70 Td (of ) Tj ET Q q 0 0 0 rg BT 276.87 440.70 Td (the ) Tj ET Q q 0 0 0 rg BT 293.63 440.70 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 360.39 440.70 Td (of ) Tj ET Q q 0 0 0 rg BT 372.49 440.70 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 463.91 440.70 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 521.33 440.70 Td (conduits ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 426.30 Td (and ) Tj ET Q q 0 0 0 rg BT 70.38 426.30 Td (trade ) Tj ET Q q 0 0 0 rg BT 97.42 426.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 135.78 426.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 167.17 426.30 Td (the ) Tj ET Q q 0 0 0 rg BT 184.89 426.30 Td (ratio ) Tj ET Q q 0 0 0 rg BT 209.93 426.30 Td (of ) Tj ET Q q 0 0 0 rg BT 222.98 426.30 Td (the ) Tj ET Q q 0 0 0 rg BT 240.70 426.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 292.39 426.30 Td (for ) Tj ET Q q 0 0 0 rg BT 309.44 426.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 333.16 426.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 364.88 426.30 Td (to ) Tj ET Q q 0 0 0 rg BT 377.27 426.30 Td (period-end ) Tj ET Q q 0 0 0 rg BT 432.31 426.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 460.69 426.30 Td (retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 499.33 431.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 503.23 426.30 Td ( ) Tj ET Q q 0 0 0 rg BT 506.29 426.30 Td (was ) Tj ET Q q 0 0 0 rg BT 528.01 426.30 Td (1.88%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 411.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.31 411.90 Td (with ) Tj ET Q q 0 0 0 rg BT 124.64 411.90 Td (2.01% ) Tj ET Q q 0 0 0 rg BT 158.64 411.90 Td (in ) Tj ET Q q 0 0 0 rg BT 170.97 411.90 Td (the ) Tj ET Q q 0 0 0 rg BT 188.63 411.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 214.96 411.90 Td (year) Tj ET Q q 0 0 0 rg BT 234.95 411.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 391.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.44 391.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.53 391.50 Td (was ) Tj ET Q q 0 0 0 rg BT 170.64 391.50 Td ($6.0 ) Tj ET Q q 0 0 0 rg BT 194.09 391.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 230.88 391.50 Td (up ) Tj ET Q q 0 0 0 rg BT 245.33 391.50 Td (21% ) Tj ET Q q 0 0 0 rg BT 269.77 391.50 Td (from ) Tj ET Q q 0 0 0 rg BT 295.55 391.50 Td (the ) Tj ET Q q 0 0 0 rg BT 312.66 391.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 338.43 391.50 Td (year) Tj ET Q q 0 0 0 rg BT 358.60 391.50 Td (, ) Tj ET Q q 0 0 0 rg BT 364.05 391.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 397.16 391.50 Td (by ) Tj ET Q q 0 0 0 rg BT 411.61 391.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 444.71 391.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 470.48 391.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 511.58 391.50 Td (and ) Tj ET Q q 0 0 0 rg BT 531.35 391.50 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 377.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 119.65 377.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 164.08 377.10 Td (The ) Tj ET Q q 0 0 0 rg BT 185.74 377.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 210.73 377.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.72 377.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 293.38 377.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 335.02 377.10 Td (to ) Tj ET Q q 0 0 0 rg BT 347.36 377.10 Td (total ) Tj ET Q q 0 0 0 rg BT 371.69 377.10 Td (net ) Tj ET Q q 0 0 0 rg BT 389.35 377.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 430.32 377.10 Td (was ) Tj ET Q q 0 0 0 rg BT 451.98 377.10 Td (32%.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 350.20 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 350.20 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 350.20 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 350.20 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 350.20 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 334.79 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 334.79 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 334.79 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 334.79 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 334.79 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 334.79 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 334.79 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 334.79 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 334.79 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 334.79 Td (noted, ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 257.31 334.79 Td (and ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 271.40 334.79 Td (all ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 281.58 334.79 Td (rankings ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 312.14 334.79 Td (are ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 324.49 334.79 Td (according ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 358.50 334.79 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 366.51 334.79 Td (Dealogic\)) Tj ET Q BT /F1 11.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 312.36 cm /I49 Do Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 104.00 314.95 Td (R) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 111.34 314.95 Td (eturn ) Tj ET Q q 0 0 0 rg BT 138.99 314.95 Td (on ) Tj ET Q q 0 0 0 rg BT 153.99 314.95 Td (equity ) Tj ET Q q 0 0 0 rg BT 186.99 314.95 Td (was ) Tj ET Q q 0 0 0 rg BT 208.65 314.95 Td (10% ) Tj ET Q q 0 0 0 rg BT 233.65 314.95 Td (on ) Tj ET Q q 0 0 0 rg BT 248.65 314.95 Td ($61.0 ) Tj ET Q q 0 0 0 rg BT 278.65 314.95 Td (billion ) Tj ET Q q 0 0 0 rg BT 312.98 314.95 Td (of ) Tj ET Q q 0 0 0 rg BT 325.98 314.95 Td (average ) Tj ET Q q 0 0 0 rg BT 366.28 314.95 Td (allocated ) Tj ET Q q 0 0 0 rg BT 412.58 314.95 Td (capital. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 297.96 cm /I50 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 300.55 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 300.55 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 300.55 Td (was ) Tj ET Q q 0 0 0 rg BT 200.29 300.55 Td (69%. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 283.56 cm /I51 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 286.15 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 142.97 286.15 Td (#1 ) Tj ET Q q 0 0 0 rg BT 157.29 286.15 Td (in ) Tj ET Q q 0 0 0 rg BT 168.94 286.15 Td (Global ) Tj ET Q q 0 0 0 rg BT 203.91 286.15 Td (Investment ) Tj ET Q q 0 0 0 rg BT 259.55 286.15 Td (Banking ) Tj ET Q q 0 0 0 rg BT 302.53 286.15 Td (fees ) Tj ET Q q 0 0 0 rg BT 324.16 286.15 Td (with ) Tj ET Q q 0 0 0 rg BT 347.81 286.15 Td (8.0% ) Tj ET Q q 0 0 0 rg BT 375.13 286.15 Td (wallet ) Tj ET Q q 0 0 0 rg BT 406.76 286.15 Td (share ) Tj ET Q q 0 0 0 rg BT 434.40 286.15 Td (for ) Tj ET Q q 0 0 0 rg BT 450.71 286.15 Td (the ) Tj ET Q q 0 0 0 rg BT 467.68 286.15 Td (nine ) Tj ET Q q 0 0 0 rg BT 490.66 286.15 Td (months ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 271.75 Td (ended ) Tj ET Q q 0 0 0 rg BT 135.65 271.75 Td (September ) Tj ET Q q 0 0 0 rg BT 189.97 271.75 Td (30, ) Tj ET Q q 0 0 0 rg BT 207.97 271.75 Td (2014.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 254.76 cm /I52 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 257.35 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 142.71 257.35 Td (#1 ) Tj ET Q q 0 0 0 rg BT 156.77 257.35 Td (in ) Tj ET Q q 0 0 0 rg BT 168.16 257.35 Td (Global ) Tj ET Q q 0 0 0 rg BT 202.87 257.35 Td (Debt, ) Tj ET Q q 0 0 0 rg BT 231.25 257.35 Td (Equity ) Tj ET Q q 0 0 0 rg BT 265.31 257.35 Td (and ) Tj ET Q q 0 0 0 rg BT 284.69 257.35 Td (Equity-related ) Tj ET Q q 0 0 0 rg BT 355.38 257.35 Td (with ) Tj ET Q q 0 0 0 rg BT 378.77 257.35 Td (7.5% ) Tj ET Q q 0 0 0 rg BT 405.82 257.35 Td (wallet ) Tj ET Q q 0 0 0 rg BT 437.19 257.35 Td (share; ) Tj ET Q q 0 0 0 rg BT 467.90 257.35 Td (#1 ) Tj ET Q q 0 0 0 rg BT 481.96 257.35 Td (in ) Tj ET Q q 0 0 0 rg BT 493.35 257.35 Td (Global ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 242.95 Td (Long-T) Tj ET Q q 0 0 0 rg BT 139.82 242.95 Td (erm ) Tj ET Q q 0 0 0 rg BT 160.60 242.95 Td (Debt ) Tj ET Q q 0 0 0 rg BT 186.05 242.95 Td (with ) Tj ET Q q 0 0 0 rg BT 209.51 242.95 Td (7.7% ) Tj ET Q q 0 0 0 rg BT 236.63 242.95 Td (wallet ) Tj ET Q q 0 0 0 rg BT 268.07 242.95 Td (share; ) Tj ET Q q 0 0 0 rg BT 298.85 242.95 Td (#1 ) Tj ET Q q 0 0 0 rg BT 312.97 242.95 Td (in ) Tj ET Q q 0 0 0 rg BT 324.43 242.95 Td (Global ) Tj ET Q q 0 0 0 rg BT 359.21 242.95 Td (Syndicated ) Tj ET Q q 0 0 0 rg BT 414.66 242.95 Td (Loans ) Tj ET Q q 0 0 0 rg BT 446.11 242.95 Td (with ) Tj ET Q q 0 0 0 rg BT 469.57 242.95 Td (9.5% ) Tj ET Q q 0 0 0 rg BT 496.69 242.95 Td (wallet ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 228.55 Td (share; ) Tj ET Q q 0 0 0 rg BT 135.92 228.55 Td (#3 ) Tj ET Q q 0 0 0 rg BT 151.19 228.55 Td (in ) Tj ET Q q 0 0 0 rg BT 163.79 228.55 Td (Global ) Tj ET Q q 0 0 0 rg BT 199.72 228.55 Td (Equity ) Tj ET Q q 0 0 0 rg BT 234.99 228.55 Td (and ) Tj ET Q q 0 0 0 rg BT 255.59 228.55 Td (Equity-related ) Tj ET Q q 0 0 0 rg BT 327.49 228.55 Td (with ) Tj ET Q q 0 0 0 rg BT 352.10 228.55 Td (7.2% ) Tj ET Q q 0 0 0 rg BT 380.36 228.55 Td (wallet ) Tj ET Q q 0 0 0 rg BT 412.95 228.55 Td (share; ) Tj ET Q q 0 0 0 rg BT 444.88 228.55 Td (and ) Tj ET Q q 0 0 0 rg BT 465.47 228.55 Td (#2 ) Tj ET Q q 0 0 0 rg BT 480.74 228.55 Td (in ) Tj ET Q q 0 0 0 rg BT 493.34 228.55 Td (Global ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 214.15 Td (M&A, ) Tj ET Q q 0 0 0 rg BT 138.63 214.15 Td (with ) Tj ET Q q 0 0 0 rg BT 162.92 214.15 Td (8.1% ) Tj ET Q q 0 0 0 rg BT 190.88 214.15 Td (wallet ) Tj ET Q q 0 0 0 rg BT 223.16 214.15 Td (share, ) Tj ET Q q 0 0 0 rg BT 254.44 214.15 Td ( ) Tj ET Q q 0 0 0 rg BT 257.40 214.15 Td (based ) Tj ET Q q 0 0 0 rg BT 287.68 214.15 Td (on ) Tj ET Q q 0 0 0 rg BT 302.64 214.15 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 346.58 214.15 Td (for ) Tj ET Q q 0 0 0 rg BT 363.53 214.15 Td (the ) Tj ET Q q 0 0 0 rg BT 381.15 214.15 Td (nine ) Tj ET Q q 0 0 0 rg BT 404.77 214.15 Td (months ) Tj ET Q q 0 0 0 rg BT 443.07 214.15 Td (ended ) Tj ET Q q 0 0 0 rg BT 474.68 214.15 Td (September ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 199.75 Td (30, ) Tj ET Q q 0 0 0 rg BT 122.00 199.75 Td (2014.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 182.76 cm /I53 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 185.35 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 185.35 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.78 185.35 Td (client ) Tj ET Q q 0 0 0 rg BT 176.46 185.35 Td (deposits ) Tj ET Q q 0 0 0 rg BT 218.82 185.35 Td (and ) Tj ET Q q 0 0 0 rg BT 239.18 185.35 Td (other ) Tj ET Q q 0 0 0 rg BT 266.86 185.35 Td (third-party ) Tj ET Q q 0 0 0 rg BT 321.20 185.35 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 368.89 185.35 Td (were ) Tj ET Q q 0 0 0 rg BT 395.23 185.35 Td ($419.6 ) Tj ET Q q 0 0 0 rg BT 431.26 185.35 Td (billion, ) Tj ET Q q 0 0 0 rg BT 468.63 185.35 Td (up ) Tj ET Q q 0 0 0 rg BT 483.65 185.35 Td (9% ) Tj ET Q q 0 0 0 rg BT 502.68 185.35 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 170.95 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 170.95 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 170.95 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 170.95 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 170.95 Td (up ) Tj ET Q q 0 0 0 rg BT 206.96 170.95 Td (4% ) Tj ET Q q 0 0 0 rg BT 225.96 170.95 Td (from ) Tj ET Q q 0 0 0 rg BT 252.28 170.95 Td (the ) Tj ET Q q 0 0 0 rg BT 269.94 170.95 Td (prior ) Tj ET Q q 0 0 0 rg BT 296.27 170.95 Td (quarter) Tj ET Q q 0 0 0 rg BT 329.59 170.95 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 153.96 cm /I54 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 156.55 Td (Assets ) Tj ET Q q 0 0 0 rg BT 138.45 156.55 Td (under ) Tj ET Q q 0 0 0 rg BT 168.89 156.55 Td (custody ) Tj ET Q q 0 0 0 rg BT 209.34 156.55 Td (were ) Tj ET Q q 0 0 0 rg BT 235.77 156.55 Td ($21.2 ) Tj ET Q q 0 0 0 rg BT 265.89 156.55 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 304.67 156.55 Td (up ) Tj ET Q q 0 0 0 rg BT 319.79 156.55 Td (8% ) Tj ET Q q 0 0 0 rg BT 338.90 156.55 Td (from ) Tj ET Q q 0 0 0 rg BT 365.35 156.55 Td (the ) Tj ET Q q 0 0 0 rg BT 383.12 156.55 Td (prior ) Tj ET Q q 0 0 0 rg BT 409.57 156.55 Td (year ) Tj ET Q q 0 0 0 rg BT 433.33 156.55 Td (and ) Tj ET Q q 0 0 0 rg BT 453.78 156.55 Td (down ) Tj ET Q q 0 0 0 rg BT 483.56 156.55 Td (2% ) Tj ET Q q 0 0 0 rg BT 502.67 156.55 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 142.15 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 142.15 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 142.15 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 142.15 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 125.16 cm /I55 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 127.75 Td (International ) Tj ET Q q 0 0 0 rg BT 168.31 127.75 Td (revenue ) Tj ET Q q 0 0 0 rg BT 209.28 127.75 Td (represented ) Tj ET Q q 0 0 0 rg BT 267.58 127.75 Td (51% ) Tj ET Q q 0 0 0 rg BT 292.58 127.75 Td (of ) Tj ET Q q 0 0 0 rg BT 305.57 127.75 Td (total ) Tj ET Q q 0 0 0 rg BT 329.90 127.75 Td (revenue. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 110.76 cm /I56 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 113.35 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 160.04 113.35 Td (total ) Tj ET Q q 0 0 0 rg BT 184.76 113.35 Td (loans ) Tj ET Q q 0 0 0 rg BT 213.48 113.35 Td (were ) Tj ET Q q 0 0 0 rg BT 240.18 113.35 Td ($102.3 ) Tj ET Q q 0 0 0 rg BT 276.57 113.35 Td (billion, ) Tj ET Q q 0 0 0 rg BT 314.29 113.35 Td (down ) Tj ET Q q 0 0 0 rg BT 344.34 113.35 Td (5% ) Tj ET Q q 0 0 0 rg BT 363.73 113.35 Td (from ) Tj ET Q q 0 0 0 rg BT 390.44 113.35 Td (the ) Tj ET Q q 0 0 0 rg BT 408.49 113.35 Td (prior ) Tj ET Q q 0 0 0 rg BT 435.21 113.35 Td (year ) Tj ET Q q 0 0 0 rg BT 459.24 113.35 Td (and ) Tj ET Q q 0 0 0 rg BT 479.96 113.35 Td (down ) Tj ET Q q 0 0 0 rg BT 510.01 113.35 Td (6% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 98.95 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 98.95 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 98.95 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 98.95 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 214.63 98.95 Td (both ) Tj ET Q q 0 0 0 rg BT 238.96 98.95 Td (declines ) Tj ET Q q 0 0 0 rg BT 281.28 98.95 Td (were ) Tj ET Q q 0 0 0 rg BT 307.59 98.95 Td (driven ) Tj ET Q q 0 0 0 rg BT 341.25 98.95 Td (by ) Tj ET Q q 0 0 0 rg BT 356.25 98.95 Td (a ) Tj ET Q q 0 0 0 rg BT 364.57 98.95 Td (reduction ) Tj ET Q q 0 0 0 rg BT 412.89 98.95 Td (in ) Tj ET Q q 0 0 0 rg BT 425.22 98.95 Td (client ) Tj ET Q q 0 0 0 rg BT 454.88 98.95 Td (overdrafts.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 81.96 cm /I57 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 84.55 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 161.90 84.55 Td (loans ) Tj ET Q q 0 0 0 rg BT 189.84 84.55 Td (were ) Tj ET Q q 0 0 0 rg BT 215.75 84.55 Td ($231 ) Tj ET Q q 0 0 0 rg BT 242.36 84.55 Td (million, ) Tj ET Q q 0 0 0 rg BT 282.63 84.55 Td (down ) Tj ET Q q 0 0 0 rg BT 311.90 84.55 Td (40% ) Tj ET Q q 0 0 0 rg BT 336.50 84.55 Td (from ) Tj ET Q q 0 0 0 rg BT 362.43 84.55 Td (the ) Tj ET Q q 0 0 0 rg BT 379.69 84.55 Td (prior ) Tj ET Q q 0 0 0 rg BT 405.62 84.55 Td (year ) Tj ET Q q 0 0 0 rg BT 428.87 84.55 Td (and ) Tj ET Q q 0 0 0 rg BT 448.80 84.55 Td (down ) Tj ET Q q 0 0 0 rg BT 478.07 84.55 Td (17% ) Tj ET Q q 0 0 0 rg BT 502.67 84.55 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 70.15 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 70.15 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 70.15 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 70.15 Td (.) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (COMMERCIAL) Tj ET Q q 0 0 0 rg BT 131.58 712.10 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 50.5 701.6 m 50.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 701.6 m 231.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 701.6 m 231.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 701.6 m 276.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 701.6 m 280.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 701.6 m 280.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 701.6 m 325.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 701.6 m 329.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 701.6 m 329.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 701.6 m 374.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 701.6 m 378.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 701.6 m 378.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 701.6 m 423.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 686.6 m 423.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 701.6 m 468.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 686.6 m 468.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 701.6 m 472.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 686.6 m 472.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 701.6 m 472.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 701.6 m 517.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 686.6 m 517.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 701.6 m 562.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 701.6 m 562.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 686.6 m 562.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 686.6 m 50.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 671.6 m 231.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 686.6 m 231.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 671.6 m 276.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 671.6 m 280.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 686.6 m 280.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 671.6 m 325.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 671.6 m 329.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 686.6 m 329.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 671.6 m 374.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 671.6 m 378.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 686.6 m 378.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 671.6 m 423.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 686.6 m 423.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 671.6 m 468.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 671.6 m 472.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 686.6 m 472.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 671.6 m 517.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 686.6 m 517.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 686.6 m 562.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 671.6 m 562.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 671.6 m 50.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 656.6 m 231.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 671.6 m 231.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 656.6 m 276.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 656.6 m 280.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 671.6 m 280.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 656.6 m 325.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 656.6 m 329.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 671.6 m 329.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 656.6 m 374.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 656.6 m 378.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 671.6 m 378.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 656.6 m 423.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 671.6 m 423.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 656.6 m 468.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 656.6 m 472.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 671.6 m 472.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 656.6 m 517.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 671.6 m 517.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 671.6 m 562.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 656.6 m 562.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 656.6 m 50.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 641.6 m 231.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 656.6 m 231.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 641.6 m 276.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 641.6 m 280.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 656.6 m 280.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 641.6 m 325.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 641.6 m 329.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 656.6 m 329.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 641.6 m 374.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 641.6 m 378.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 656.6 m 378.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 641.6 m 423.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 656.6 m 423.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 641.6 m 468.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 641.6 m 472.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 656.6 m 472.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 641.6 m 517.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 656.6 m 517.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 656.6 m 562.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 641.6 m 562.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 641.6 m 50.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 626.6 m 231.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 641.6 m 231.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 626.6 m 276.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 626.6 m 280.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 641.6 m 280.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 626.6 m 325.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 626.6 m 329.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 641.6 m 329.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 626.6 m 374.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 626.6 m 378.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 641.6 m 378.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 626.6 m 423.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 641.6 m 423.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 626.6 m 468.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 626.6 m 472.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 641.6 m 472.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 626.6 m 517.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 641.6 m 517.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 641.6 m 562.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 626.6 m 562.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 626.6 m 50.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 611.6 m 231.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 626.6 m 231.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 611.6 m 276.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 611.6 m 280.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 626.6 m 280.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 611.6 m 325.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 611.6 m 329.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 626.6 m 329.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 611.6 m 374.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 611.6 m 378.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 626.6 m 378.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 611.6 m 423.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 626.6 m 423.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 611.6 m 468.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 611.6 m 472.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 626.6 m 472.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 611.6 m 517.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 626.6 m 517.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 626.6 m 562.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 611.6 m 562.5 611.6 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 691.47 Td (Results for CB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 691.47 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 691.47 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 676.47 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 676.47 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 676.47 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 676.47 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 676.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 676.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 676.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 676.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 661.47 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 661.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 661.47 Td (1,667) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 661.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 661.47 Td (1,701) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 661.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 661.47 Td (1,725) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 661.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 661.47 Td (\(34) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 661.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 661.47 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 661.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 661.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 661.47 Td (\(58) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 661.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 661.47 Td (\(3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 661.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 646.47 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 257.60 646.47 Td (\(79) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 646.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 306.60 646.47 Td (\(67) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 646.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 355.60 646.47 Td (\(41) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 646.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 646.47 Td (\(12) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 646.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 444.15 646.47 Td (18) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 646.47 Td (\(38) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 646.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.15 646.47 Td (93) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 631.47 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 631.47 Td (668) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 631.47 Td (675) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 631.47 Td (661) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.10 631.47 Td (\(7) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 631.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 631.47 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 631.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 507.80 631.47 Td (7) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 631.47 Td (1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 616.47 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 616.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 616.47 Td (649) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 616.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 616.47 Td (658) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 616.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 616.47 Td (665) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 616.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.10 616.47 Td (\(9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 616.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 616.47 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 616.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 616.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 616.47 Td (\(16) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 616.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 616.47 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 616.47 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 585.70 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 585.70 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 585.70 Td (Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 571.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.97 571.30 Td (income ) Tj ET Q q 0 0 0 rg BT 109.94 571.30 Td (was ) Tj ET Q q 0 0 0 rg BT 132.25 571.30 Td ($649 ) Tj ET Q q 0 0 0 rg BT 159.89 571.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 201.21 571.30 Td (a ) Tj ET Q q 0 0 0 rg BT 210.18 571.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 255.12 571.30 Td (of ) Tj ET Q q 0 0 0 rg BT 268.77 571.30 Td ($16 ) Tj ET Q q 0 0 0 rg BT 290.41 571.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 331.73 571.30 Td (or ) Tj ET Q q 0 0 0 rg BT 345.37 571.30 Td (2%, ) Tj ET Q q 0 0 0 rg BT 368.01 571.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 418.97 571.30 Td (with ) Tj ET Q q 0 0 0 rg BT 443.95 571.30 Td (the ) Tj ET Q q 0 0 0 rg BT 462.25 571.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 489.22 571.30 Td (year) Tj ET Q q 0 0 0 rg BT 509.39 571.30 Td (, ) Tj ET Q q 0 0 0 rg BT 516.04 571.30 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 556.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.32 556.90 Td (net ) Tj ET Q q 0 0 0 rg BT 97.98 556.90 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 141.96 556.90 Td (lar) Tj ET Q q 0 0 0 rg BT 154.40 556.90 Td (gely ) Tj ET Q q 0 0 0 rg BT 178.06 556.90 Td (of) Tj ET Q q 0 0 0 rg BT 187.84 556.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 208.16 556.90 Td (by ) Tj ET Q q 0 0 0 rg BT 223.16 556.90 Td (a ) Tj ET Q q 0 0 0 rg BT 231.49 556.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 261.81 556.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 310.14 556.90 Td (for ) Tj ET Q q 0 0 0 rg BT 327.14 556.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 357.45 556.90 Td (losses.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 536.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.61 536.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.88 536.50 Td (was ) Tj ET Q q 0 0 0 rg BT 133.82 536.50 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 158.11 536.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 195.73 536.50 Td (a ) Tj ET Q q 0 0 0 rg BT 204.35 536.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 248.93 536.50 Td (of ) Tj ET Q q 0 0 0 rg BT 262.21 536.50 Td ($58 ) Tj ET Q q 0 0 0 rg BT 283.50 536.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 324.46 536.50 Td (or ) Tj ET Q q 0 0 0 rg BT 337.74 536.50 Td (3%, ) Tj ET Q q 0 0 0 rg BT 360.03 536.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 410.62 536.50 Td (with ) Tj ET Q q 0 0 0 rg BT 435.24 536.50 Td (the ) Tj ET Q q 0 0 0 rg BT 453.19 536.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 479.80 536.50 Td (year) Tj ET Q q 0 0 0 rg BT 499.79 536.50 Td (. ) Tj ET Q q 0 0 0 rg BT 506.08 536.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.69 536.50 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 522.10 Td (income ) Tj ET Q q 0 0 0 rg BT 88.95 522.10 Td (was ) Tj ET Q q 0 0 0 rg BT 111.23 522.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 135.86 522.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 173.82 522.10 Td (a ) Tj ET Q q 0 0 0 rg BT 182.77 522.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 227.69 522.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.32 522.10 Td ($41 ) Tj ET Q q 0 0 0 rg BT 262.94 522.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 304.24 522.10 Td (or ) Tj ET Q q 0 0 0 rg BT 317.86 522.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 340.48 522.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 391.41 522.10 Td (with ) Tj ET Q q 0 0 0 rg BT 416.37 522.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.66 522.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 461.61 522.10 Td (year) Tj ET Q q 0 0 0 rg BT 481.78 522.10 Td (, ) Tj ET Q q 0 0 0 rg BT 488.40 522.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 538.00 522.10 Td (yield ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 507.70 Td (compression ) Tj ET Q q 0 0 0 rg BT 114.62 507.70 Td (and ) Tj ET Q q 0 0 0 rg BT 135.92 507.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 167.21 507.70 Td (purchase ) Tj ET Q q 0 0 0 rg BT 213.82 507.70 Td (discounts ) Tj ET Q q 0 0 0 rg BT 263.12 507.70 Td (recognized ) Tj ET Q q 0 0 0 rg BT 319.73 507.70 Td (on ) Tj ET Q q 0 0 0 rg BT 335.70 507.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 360.32 507.70 Td (repayments, ) Tj ET Q q 0 0 0 rg BT 422.60 507.70 Td (lar) Tj ET Q q 0 0 0 rg BT 435.04 507.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 459.67 507.70 Td (of) Tj ET Q q 0 0 0 rg BT 469.45 507.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 490.75 507.70 Td (by ) Tj ET Q q 0 0 0 rg BT 506.71 507.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 541.34 507.70 Td (loan ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 493.30 Td (balances. ) Tj ET Q q 0 0 0 rg BT 97.15 493.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 155.98 493.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 196.80 493.30 Td (was ) Tj ET Q q 0 0 0 rg BT 218.30 493.30 Td ($571 ) Tj ET Q q 0 0 0 rg BT 245.15 493.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 285.66 493.30 Td (a ) Tj ET Q q 0 0 0 rg BT 293.83 493.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 337.97 493.30 Td (of ) Tj ET Q q 0 0 0 rg BT 350.81 493.30 Td ($17 ) Tj ET Q q 0 0 0 rg BT 371.65 493.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 412.17 493.30 Td (or ) Tj ET Q q 0 0 0 rg BT 425.01 493.30 Td (3%, ) Tj ET Q q 0 0 0 rg BT 446.85 493.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 497.00 493.30 Td (with ) Tj ET Q q 0 0 0 rg BT 521.17 493.30 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 493.30 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 478.90 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 478.90 Td (, ) Tj ET Q q 0 0 0 rg BT 76.47 478.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 110.42 478.90 Td (by ) Tj ET Q q 0 0 0 rg BT 125.72 478.90 Td (business ) Tj ET Q q 0 0 0 rg BT 169.68 478.90 Td (simplification ) Tj ET Q q 0 0 0 rg BT 239.64 478.90 Td (and ) Tj ET Q q 0 0 0 rg BT 260.26 478.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 290.88 478.90 Td (other ) Tj ET Q q 0 0 0 rg BT 318.83 478.90 Td (fees, ) Tj ET Q q 0 0 0 rg BT 344.45 478.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 387.73 478.90 Td (of) Tj ET Q q 0 0 0 rg BT 397.51 478.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 418.13 478.90 Td (by ) Tj ET Q q 0 0 0 rg BT 433.43 478.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 467.39 478.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 523.34 478.90 Td (banking ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 464.50 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 444.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 94.89 444.10 Td (from ) Tj ET Q q 0 0 0 rg BT 121.12 444.10 Td (Middle ) Tj ET Q q 0 0 0 rg BT 158.68 444.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 196.24 444.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 239.81 444.10 Td (was ) Tj ET Q q 0 0 0 rg BT 261.37 444.10 Td ($684 ) Tj ET Q q 0 0 0 rg BT 288.27 444.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 328.85 444.10 Td (a ) Tj ET Q q 0 0 0 rg BT 337.08 444.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 381.28 444.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.18 444.10 Td ($61 ) Tj ET Q q 0 0 0 rg BT 415.08 444.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 455.65 444.10 Td (or ) Tj ET Q q 0 0 0 rg BT 468.55 444.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 490.45 444.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.66 444.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 429.70 Td (the ) Tj ET Q q 0 0 0 rg BT 67.14 429.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 92.94 429.70 Td (year) Tj ET Q q 0 0 0 rg BT 112.93 429.70 Td (. ) Tj ET Q q 0 0 0 rg BT 118.41 429.70 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 162.87 429.70 Td (from ) Tj ET Q q 0 0 0 rg BT 188.67 429.70 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 239.13 429.70 Td (Client ) Tj ET Q q 0 0 0 rg BT 270.95 429.70 Td (Banking ) Tj ET Q q 0 0 0 rg BT 314.09 429.70 Td (was ) Tj ET Q q 0 0 0 rg BT 335.23 429.70 Td ($480 ) Tj ET Q q 0 0 0 rg BT 361.71 429.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 401.86 429.70 Td (an ) Tj ET Q q 0 0 0 rg BT 415.66 429.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 457.44 429.70 Td (of ) Tj ET Q q 0 0 0 rg BT 469.92 429.70 Td ($21 ) Tj ET Q q 0 0 0 rg BT 490.40 429.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 530.54 429.70 Td (or ) Tj ET Q q 0 0 0 rg BT 543.02 429.70 Td (5%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 415.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.05 415.30 Td (with ) Tj ET Q q 0 0 0 rg BT 124.13 415.30 Td (the ) Tj ET Q q 0 0 0 rg BT 141.53 415.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 167.60 415.30 Td (year) Tj ET Q q 0 0 0 rg BT 187.58 415.30 Td (. ) Tj ET Q q 0 0 0 rg BT 193.33 415.30 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 238.05 415.30 Td (from ) Tj ET Q q 0 0 0 rg BT 264.12 415.30 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 325.98 415.30 Td (T) Tj ET Q q 0 0 0 rg BT 332.47 415.30 Td (erm ) Tj ET Q q 0 0 0 rg BT 353.87 415.30 Td (Lending ) Tj ET Q q 0 0 0 rg BT 396.60 415.30 Td (was ) Tj ET Q q 0 0 0 rg BT 418.00 415.30 Td ($303 ) Tj ET Q q 0 0 0 rg BT 444.75 415.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 485.16 415.30 Td (a ) Tj ET Q q 0 0 0 rg BT 493.23 415.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 537.27 415.30 Td (of ) Tj ET Q q 0 0 0 rg BT 550.00 415.30 Td ($8 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 400.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 91.84 400.90 Td (or ) Tj ET Q q 0 0 0 rg BT 106.02 400.90 Td (3%, ) Tj ET Q q 0 0 0 rg BT 129.19 400.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 180.67 400.90 Td (with ) Tj ET Q q 0 0 0 rg BT 206.18 400.90 Td (the ) Tj ET Q q 0 0 0 rg BT 225.01 400.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 252.51 400.90 Td (year) Tj ET Q q 0 0 0 rg BT 272.50 400.90 Td (. ) Tj ET Q q 0 0 0 rg BT 279.68 400.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 325.83 400.90 Td (from ) Tj ET Q q 0 0 0 rg BT 353.33 400.90 Td (Real ) Tj ET Q q 0 0 0 rg BT 379.50 400.90 Td (Estate ) Tj ET Q q 0 0 0 rg BT 412.99 400.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 457.83 400.90 Td (was ) Tj ET Q q 0 0 0 rg BT 480.67 400.90 Td ($121 ) Tj ET Q q 0 0 0 rg BT 508.84 400.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 550.69 400.90 Td (an ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 386.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 92.30 386.50 Td (of ) Tj ET Q q 0 0 0 rg BT 105.30 386.50 Td ($3 ) Tj ET Q q 0 0 0 rg BT 120.30 386.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 160.97 386.50 Td (or ) Tj ET Q q 0 0 0 rg BT 173.97 386.50 Td (3%, ) Tj ET Q q 0 0 0 rg BT 195.96 386.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 246.27 386.50 Td (with ) Tj ET Q q 0 0 0 rg BT 270.61 386.50 Td (the ) Tj ET Q q 0 0 0 rg BT 288.27 386.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 314.59 386.50 Td (year) Tj ET Q q 0 0 0 rg BT 334.58 386.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 366.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.87 366.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.42 366.10 Td (for ) Tj ET Q q 0 0 0 rg BT 137.63 366.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.17 366.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.05 366.10 Td (was ) Tj ET Q q 0 0 0 rg BT 221.93 366.10 Td (a ) Tj ET Q q 0 0 0 rg BT 230.47 366.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 267.01 366.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.22 366.10 Td ($79 ) Tj ET Q q 0 0 0 rg BT 301.44 366.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 342.32 366.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 392.85 366.10 Td (with ) Tj ET Q q 0 0 0 rg BT 417.40 366.10 Td (a ) Tj ET Q q 0 0 0 rg BT 425.94 366.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 462.48 366.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.69 366.10 Td ($41 ) Tj ET Q q 0 0 0 rg BT 496.91 366.10 Td (million ) Tj ET Q q 0 0 0 rg BT 534.79 366.10 Td (in ) Tj ET Q q 0 0 0 rg BT 547.34 366.10 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 351.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.83 351.70 Td (year) Tj ET Q q 0 0 0 rg BT 96.81 351.70 Td (. ) Tj ET Q q 0 0 0 rg BT 103.31 351.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 124.14 351.70 Td (char) Tj ET Q q 0 0 0 rg BT 144.57 351.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 169.67 351.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 181.84 351.70 Td (were ) Tj ET Q q 0 0 0 rg BT 208.66 351.70 Td ($5 ) Tj ET Q q 0 0 0 rg BT 224.16 351.70 Td (million ) Tj ET Q q 0 0 0 rg BT 262.33 351.70 Td (\(0.01% ) Tj ET Q q 0 0 0 rg BT 300.82 351.70 Td (net ) Tj ET Q q 0 0 0 rg BT 318.98 351.70 Td (char) Tj ET Q q 0 0 0 rg BT 339.42 351.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 364.52 351.70 Td (f ) Tj ET Q q 0 0 0 rg BT 372.01 351.70 Td (rate\), ) Tj ET Q q 0 0 0 rg BT 400.49 351.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 451.30 351.70 Td (with ) Tj ET Q q 0 0 0 rg BT 476.14 351.70 Td (net ) Tj ET Q q 0 0 0 rg BT 494.30 351.70 Td (char) Tj ET Q q 0 0 0 rg BT 514.73 351.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 539.83 351.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 552.00 351.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 337.30 Td ($16 ) Tj ET Q q 0 0 0 rg BT 69.92 337.30 Td (million ) Tj ET Q q 0 0 0 rg BT 106.52 337.30 Td (\(0.05% ) Tj ET Q q 0 0 0 rg BT 143.43 337.30 Td (net ) Tj ET Q q 0 0 0 rg BT 160.02 337.30 Td (char) Tj ET Q q 0 0 0 rg BT 180.45 337.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 205.55 337.30 Td (f ) Tj ET Q q 0 0 0 rg BT 211.47 337.30 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 235.37 337.30 Td (in ) Tj ET Q q 0 0 0 rg BT 246.63 337.30 Td (the ) Tj ET Q q 0 0 0 rg BT 263.21 337.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 288.46 337.30 Td (year ) Tj ET Q q 0 0 0 rg BT 311.03 337.30 Td (and ) Tj ET Q q 0 0 0 rg BT 330.28 337.30 Td (net ) Tj ET Q q 0 0 0 rg BT 346.87 337.30 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 398.09 337.30 Td (of ) Tj ET Q q 0 0 0 rg BT 410.01 337.30 Td ($26 ) Tj ET Q q 0 0 0 rg BT 429.93 337.30 Td (million ) Tj ET Q q 0 0 0 rg BT 466.53 337.30 Td (\(0.07% ) Tj ET Q q 0 0 0 rg BT 503.44 337.30 Td (net ) Tj ET Q q 0 0 0 rg BT 520.02 337.30 Td (recovery ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 322.90 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 74.80 322.90 Td (in ) Tj ET Q q 0 0 0 rg BT 86.96 322.90 Td (the ) Tj ET Q q 0 0 0 rg BT 104.45 322.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.60 322.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.92 322.90 Td (. ) Tj ET Q q 0 0 0 rg BT 169.54 322.90 Td (The ) Tj ET Q q 0 0 0 rg BT 191.02 322.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 242.49 322.90 Td (for ) Tj ET Q q 0 0 0 rg BT 259.30 322.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 282.79 322.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 314.29 322.90 Td (to ) Tj ET Q q 0 0 0 rg BT 326.44 322.90 Td (period-end ) Tj ET Q q 0 0 0 rg BT 381.25 322.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 409.40 322.90 Td (retained ) Tj ET Q q 0 0 0 rg BT 450.87 322.90 Td (was ) Tj ET Q q 0 0 0 rg BT 472.36 322.90 Td (1.76%, ) Tj ET Q q 0 0 0 rg BT 509.18 322.90 Td (down ) Tj ET Q q 0 0 0 rg BT 538.67 322.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 308.50 Td (1.99% ) Tj ET Q q 0 0 0 rg BT 83.15 308.50 Td (in ) Tj ET Q q 0 0 0 rg BT 94.64 308.50 Td (the ) Tj ET Q q 0 0 0 rg BT 111.46 308.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 136.94 308.50 Td (year ) Tj ET Q q 0 0 0 rg BT 159.75 308.50 Td (and ) Tj ET Q q 0 0 0 rg BT 179.23 308.50 Td (down ) Tj ET Q q 0 0 0 rg BT 208.05 308.50 Td (from ) Tj ET Q q 0 0 0 rg BT 233.53 308.50 Td (1.87% ) Tj ET Q q 0 0 0 rg BT 266.69 308.50 Td (in ) Tj ET Q q 0 0 0 rg BT 278.18 308.50 Td (the ) Tj ET Q q 0 0 0 rg BT 294.99 308.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 320.47 308.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 353.79 308.50 Td (. ) Tj ET Q q 0 0 0 rg BT 358.95 308.50 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 416.40 308.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 443.89 308.50 Td (were ) Tj ET Q q 0 0 0 rg BT 469.36 308.50 Td ($375 ) Tj ET Q q 0 0 0 rg BT 495.52 308.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 535.34 308.50 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 294.10 Td ($191 ) Tj ET Q q 0 0 0 rg BT 77.00 294.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 117.67 294.10 Td (or ) Tj ET Q q 0 0 0 rg BT 130.67 294.10 Td (34%, ) Tj ET Q q 0 0 0 rg BT 158.66 294.10 Td (from ) Tj ET Q q 0 0 0 rg BT 184.99 294.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.65 294.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 228.97 294.10 Td (year) Tj ET Q q 0 0 0 rg BT 249.14 294.10 Td (, ) Tj ET Q q 0 0 0 rg BT 255.14 294.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.47 294.10 Td (down ) Tj ET Q q 0 0 0 rg BT 305.13 294.10 Td ($71 ) Tj ET Q q 0 0 0 rg BT 326.13 294.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 366.80 294.10 Td (or ) Tj ET Q q 0 0 0 rg BT 379.80 294.10 Td (16%, ) Tj ET Q q 0 0 0 rg BT 407.80 294.10 Td (from ) Tj ET Q q 0 0 0 rg BT 434.12 294.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.78 294.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 478.11 294.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 511.43 294.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 273.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.99 273.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.63 273.70 Td (was ) Tj ET Q q 0 0 0 rg BT 172.30 273.70 Td ($668 ) Tj ET Q q 0 0 0 rg BT 199.30 273.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 239.97 273.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 258.96 273.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 309.27 273.70 Td (with ) Tj ET Q q 0 0 0 rg BT 333.60 273.70 Td (the ) Tj ET Q q 0 0 0 rg BT 351.26 273.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 377.59 273.70 Td (year) Tj ET Q q 0 0 0 rg BT 397.57 273.70 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 238.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 238.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 238.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 238.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 238.90 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 229.94 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 229.94 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 229.94 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 229.94 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 229.94 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 229.94 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 229.94 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 229.94 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 229.94 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 229.94 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 207.51 cm /I58 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 210.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 210.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 210.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 210.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 210.10 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 210.10 Td (18% ) Tj ET Q q 0 0 0 rg BT 234.31 210.10 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.31 210.10 Td ($14.0 ) Tj ET Q q 0 0 0 rg BT 279.31 210.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 310.65 210.10 Td ( ) Tj ET Q q 0 0 0 rg BT 313.65 210.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 210.10 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 210.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 210.10 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 193.11 cm /I59 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 195.70 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 195.70 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 195.70 Td (was ) Tj ET Q q 0 0 0 rg BT 200.29 195.70 Td (40%, ) Tj ET Q q 0 0 0 rg BT 228.29 195.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 278.60 195.70 Td (with ) Tj ET Q q 0 0 0 rg BT 302.93 195.70 Td (38% ) Tj ET Q q 0 0 0 rg BT 327.93 195.70 Td (in ) Tj ET Q q 0 0 0 rg BT 340.26 195.70 Td (the ) Tj ET Q q 0 0 0 rg BT 357.92 195.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 384.25 195.70 Td (year) Tj ET Q q 0 0 0 rg BT 404.23 195.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 178.71 cm /I60 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 181.30 Td (Gross ) Tj ET Q q 0 0 0 rg BT 136.13 181.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 192.92 181.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 235.71 181.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 277.82 181.30 Td (\(which ) Tj ET Q q 0 0 0 rg BT 315.27 181.30 Td (is ) Tj ET Q q 0 0 0 rg BT 327.41 181.30 Td (shared ) Tj ET Q q 0 0 0 rg BT 362.86 181.30 Td (with ) Tj ET Q q 0 0 0 rg BT 388.32 181.30 Td (the ) Tj ET Q q 0 0 0 rg BT 407.11 181.30 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 459.22 181.30 Td (& ) Tj ET Q q 0 0 0 rg BT 472.69 181.30 Td (Investment ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 166.90 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 136.83 166.90 Td (was ) Tj ET Q q 0 0 0 rg BT 159.00 166.90 Td ($501 ) Tj ET Q q 0 0 0 rg BT 186.51 166.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 227.69 166.90 Td (up ) Tj ET Q q 0 0 0 rg BT 243.20 166.90 Td (12% ) Tj ET Q q 0 0 0 rg BT 268.70 166.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 319.52 166.90 Td (with ) Tj ET Q q 0 0 0 rg BT 344.36 166.90 Td (the ) Tj ET Q q 0 0 0 rg BT 362.53 166.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 389.37 166.90 Td (year ) Tj ET Q q 0 0 0 rg BT 413.52 166.90 Td (and ) Tj ET Q q 0 0 0 rg BT 434.36 166.90 Td (4% ) Tj ET Q q 0 0 0 rg BT 453.86 166.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 504.68 166.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 152.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.15 152.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 146.96 152.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 180.27 152.50 Td (. ) Tj ET Q q 0 0 0 rg BT 185.76 152.50 Td ( ) Tj ET Q q 0 0 0 rg BT 188.25 152.50 Td (Record ) Tj ET Q q 0 0 0 rg BT 225.02 152.50 Td (YTD ) Tj ET Q q 0 0 0 rg BT 252.16 152.50 Td (gross ) Tj ET Q q 0 0 0 rg BT 279.98 152.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 335.13 152.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 376.27 152.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 416.74 152.50 Td (of ) Tj ET Q q 0 0 0 rg BT 429.22 152.50 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 452.70 152.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 489.52 152.50 Td (up ) Tj ET Q q 0 0 0 rg BT 504.01 152.50 Td (22% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 138.10 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 138.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 138.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 138.10 Td (year) Tj ET Q q 0 0 0 rg BT 194.30 138.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 121.11 cm /I61 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 123.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 123.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.68 123.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 170.27 123.70 Td (balances ) Tj ET Q q 0 0 0 rg BT 214.51 123.70 Td (were ) Tj ET Q q 0 0 0 rg BT 240.76 123.70 Td ($142.8 ) Tj ET Q q 0 0 0 rg BT 276.69 123.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 313.96 123.70 Td (up ) Tj ET Q q 0 0 0 rg BT 328.89 123.70 Td (8% ) Tj ET Q q 0 0 0 rg BT 347.81 123.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 398.05 123.70 Td (with ) Tj ET Q q 0 0 0 rg BT 422.32 123.70 Td (the ) Tj ET Q q 0 0 0 rg BT 439.91 123.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.17 123.70 Td (year ) Tj ET Q q 0 0 0 rg BT 489.75 123.70 Td (and ) Tj ET Q q 0 0 0 rg BT 510.00 123.70 Td (1% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 109.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 109.30 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 109.30 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 109.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 109.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 255.95 109.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 92.31 cm /I62 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 94.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 160.05 94.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 184.10 94.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 228.81 94.90 Td (were ) Tj ET Q q 0 0 0 rg BT 255.52 94.90 Td ($143.8 ) Tj ET Q q 0 0 0 rg BT 291.91 94.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 329.64 94.90 Td (up ) Tj ET Q q 0 0 0 rg BT 345.04 94.90 Td (6% ) Tj ET Q q 0 0 0 rg BT 364.43 94.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 415.14 94.90 Td (with ) Tj ET Q q 0 0 0 rg BT 439.87 94.90 Td (the ) Tj ET Q q 0 0 0 rg BT 457.92 94.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 484.64 94.90 Td (year ) Tj ET Q q 0 0 0 rg BT 508.69 94.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 80.50 Td (1% ) Tj ET Q q 0 0 0 rg BT 123.00 80.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 173.30 80.50 Td (with ) Tj ET Q q 0 0 0 rg BT 197.64 80.50 Td (the ) Tj ET Q q 0 0 0 rg BT 215.30 80.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 241.63 80.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 274.94 80.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 63.51 cm /I63 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 66.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 66.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 149.17 66.10 Td (client ) Tj ET Q q 0 0 0 rg BT 181.25 66.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 226.01 66.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.76 66.10 Td (other ) Tj ET Q q 0 0 0 rg BT 278.84 66.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 335.58 66.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 385.66 66.10 Td (were ) Tj ET Q q 0 0 0 rg BT 414.40 66.10 Td ($204.7 ) Tj ET Q q 0 0 0 rg BT 452.82 66.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 492.58 66.10 Td (up ) Tj ET Q q 0 0 0 rg BT 510.00 66.10 Td (4% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 51.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 51.70 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 51.70 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 51.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 51.70 Td (year ) Tj ET Q q 0 0 0 rg BT 246.28 51.70 Td (and ) Tj ET Q q 0 0 0 rg BT 266.60 51.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 285.60 51.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 335.91 51.70 Td (with ) Tj ET Q q 0 0 0 rg BT 360.24 51.70 Td (the ) Tj ET Q q 0 0 0 rg BT 377.90 51.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 404.23 51.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 437.54 51.70 Td (.) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 727.70 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 50.5 717.2 m 50.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 717.2 m 231.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 717.2 m 231.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 717.2 m 276.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 717.2 m 280.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 717.2 m 280.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 717.2 m 325.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 717.2 m 329.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 717.2 m 329.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 717.2 m 374.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 717.2 m 378.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 717.2 m 378.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 717.2 m 423.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 702.2 m 423.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 717.2 m 468.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 702.2 m 468.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 717.2 m 472.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 702.2 m 472.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 717.2 m 472.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 717.2 m 517.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 702.2 m 517.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 717.2 m 562.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 717.2 m 562.5 717.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 702.2 m 562.5 702.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 702.2 m 50.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 687.2 m 231.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 702.2 m 231.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 687.2 m 276.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 687.2 m 280.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 702.2 m 280.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 687.2 m 325.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 687.2 m 329.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 702.2 m 329.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 687.2 m 374.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 687.2 m 378.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 702.2 m 378.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 687.2 m 423.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 702.2 m 423.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 687.2 m 468.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 687.2 m 472.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 702.2 m 472.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 687.2 m 517.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 702.2 m 517.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 702.2 m 562.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 687.2 m 562.5 687.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 687.2 m 50.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 672.2 m 231.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 687.2 m 231.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 672.2 m 276.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 672.2 m 280.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 687.2 m 280.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 672.2 m 325.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 672.2 m 329.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 687.2 m 329.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 672.2 m 374.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 672.2 m 378.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 687.2 m 378.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 672.2 m 423.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 687.2 m 423.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 672.2 m 468.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 672.2 m 472.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 687.2 m 472.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 672.2 m 517.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 687.2 m 517.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 687.2 m 562.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 672.2 m 562.5 672.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 672.2 m 50.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 657.2 m 231.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 672.2 m 231.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 657.2 m 276.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 657.2 m 280.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 672.2 m 280.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 657.2 m 325.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 657.2 m 329.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 672.2 m 329.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 657.2 m 374.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 657.2 m 378.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 672.2 m 378.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 657.2 m 423.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 672.2 m 423.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 657.2 m 468.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 657.2 m 472.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 672.2 m 472.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 657.2 m 517.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 672.2 m 517.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 672.2 m 562.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 657.2 m 562.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 657.2 m 50.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 642.2 m 231.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 657.2 m 231.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 642.2 m 276.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 642.2 m 280.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 657.2 m 280.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 642.2 m 325.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 642.2 m 329.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 657.2 m 329.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 642.2 m 374.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 642.2 m 378.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 657.2 m 378.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 642.2 m 423.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 657.2 m 423.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 642.2 m 468.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 642.2 m 472.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 657.2 m 472.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 642.2 m 517.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 657.2 m 517.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 657.2 m 562.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 657.2 m 562.5 657.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 642.2 m 562.5 642.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 642.2 m 50.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 627.2 m 231.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 642.2 m 231.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 627.2 m 276.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 627.2 m 280.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 642.2 m 280.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 627.2 m 325.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 627.2 m 329.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 642.2 m 329.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 627.2 m 374.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 627.2 m 378.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 642.2 m 378.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 627.2 m 423.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 642.2 m 423.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 627.2 m 468.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 627.2 m 472.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 642.2 m 472.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 627.2 m 517.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 642.2 m 517.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 642.2 m 562.5 627.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 627.2 m 562.5 627.2 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 707.07 Td (Results for AM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 707.07 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 707.07 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 692.07 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 692.07 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 692.07 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 692.07 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 692.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 692.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 692.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 692.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 677.07 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 677.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 677.07 Td (3,016) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 677.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 677.07 Td (2,956) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 677.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 677.07 Td (2,763) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 677.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 677.07 Td (60) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 677.07 Td (2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 677.07 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 677.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 677.07 Td (253) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 547.30 677.07 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 677.07 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 662.07 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 266.80 662.07 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 315.80 662.07 Td (1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 662.07 Td (? Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 413.80 662.07 Td (8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 662.07 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 507.80 662.07 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 662.07 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 647.07 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 647.07 Td (2,081) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 647.07 Td (2,062) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 647.07 Td (2,003) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 647.07 Td (19) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 647.07 Td (1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 647.07 Td (78) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 547.30 647.07 Td (4) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 632.07 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 632.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 632.07 Td (572) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 632.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 632.07 Td (552) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 632.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 632.07 Td (476) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 632.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 632.07 Td (20) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 632.07 Td (4) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 632.07 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 632.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 632.07 Td (96) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.80 632.07 Td (20) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 632.07 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 598.90 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.02 598.90 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 584.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.21 584.50 Td (income ) Tj ET Q q 0 0 0 rg BT 108.42 584.50 Td (was ) Tj ET Q q 0 0 0 rg BT 129.97 584.50 Td ($572 ) Tj ET Q q 0 0 0 rg BT 156.86 584.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 197.41 584.50 Td (an ) Tj ET Q q 0 0 0 rg BT 211.63 584.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 253.82 584.50 Td (of ) Tj ET Q q 0 0 0 rg BT 266.70 584.50 Td ($96 ) Tj ET Q q 0 0 0 rg BT 287.59 584.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 328.15 584.50 Td (or ) Tj ET Q q 0 0 0 rg BT 341.03 584.50 Td (20%, ) Tj ET Q q 0 0 0 rg BT 368.91 584.50 Td (from ) Tj ET Q q 0 0 0 rg BT 395.13 584.50 Td (the ) Tj ET Q q 0 0 0 rg BT 412.67 584.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.89 584.50 Td (year) Tj ET Q q 0 0 0 rg BT 459.06 584.50 Td (, ) Tj ET Q q 0 0 0 rg BT 464.94 584.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 513.80 584.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 547.35 584.50 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 570.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 93.97 570.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 136.96 570.10 Td (of) Tj ET Q q 0 0 0 rg BT 146.74 570.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 167.06 570.10 Td (by ) Tj ET Q q 0 0 0 rg BT 182.06 570.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 215.72 570.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 272.04 570.10 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 549.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.45 549.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.56 549.70 Td (was ) Tj ET Q q 0 0 0 rg BT 133.35 549.70 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 157.47 549.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 194.94 549.70 Td (an ) Tj ET Q q 0 0 0 rg BT 209.39 549.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 251.82 549.70 Td (of ) Tj ET Q q 0 0 0 rg BT 264.95 549.70 Td ($253 ) Tj ET Q q 0 0 0 rg BT 292.07 549.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 332.87 549.70 Td (or ) Tj ET Q q 0 0 0 rg BT 345.99 549.70 Td (9%, ) Tj ET Q q 0 0 0 rg BT 368.12 549.70 Td (from ) Tj ET Q q 0 0 0 rg BT 394.57 549.70 Td (the ) Tj ET Q q 0 0 0 rg BT 412.36 549.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.81 549.70 Td (year) Tj ET Q q 0 0 0 rg BT 458.80 549.70 Td (. ) Tj ET Q q 0 0 0 rg BT 464.93 549.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.04 549.70 Td (revenue ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 535.30 Td (was ) Tj ET Q q 0 0 0 rg BT 72.28 535.30 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 96.89 535.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 134.84 535.30 Td (up ) Tj ET Q q 0 0 0 rg BT 150.45 535.30 Td ($237 ) Tj ET Q q 0 0 0 rg BT 178.07 535.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 219.35 535.30 Td (or ) Tj ET Q q 0 0 0 rg BT 232.96 535.30 Td (1) Tj ET Q q 0 0 0 rg BT 238.52 535.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 261.13 535.30 Td (from ) Tj ET Q q 0 0 0 rg BT 288.06 535.30 Td (the ) Tj ET Q q 0 0 0 rg BT 306.34 535.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 333.28 535.30 Td (year) Tj ET Q q 0 0 0 rg BT 353.45 535.30 Td (, ) Tj ET Q q 0 0 0 rg BT 360.06 535.30 Td (due ) Tj ET Q q 0 0 0 rg BT 381.00 535.30 Td (to ) Tj ET Q q 0 0 0 rg BT 393.95 535.30 Td (net ) Tj ET Q q 0 0 0 rg BT 412.22 535.30 Td (client ) Tj ET Q q 0 0 0 rg BT 442.49 535.30 Td (inflows ) Tj ET Q q 0 0 0 rg BT 482.10 535.30 Td (and ) Tj ET Q q 0 0 0 rg BT 503.04 535.30 Td (the ) Tj ET Q q 0 0 0 rg BT 521.32 535.30 Td (ef) Tj ET Q q 0 0 0 rg BT 530.42 535.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 552.02 535.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 520.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.44 520.90 Td (market ) Tj ET Q q 0 0 0 rg BT 119.53 520.90 Td (levels. ) Tj ET Q q 0 0 0 rg BT 153.30 520.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 173.41 520.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 211.51 520.90 Td (income ) Tj ET Q q 0 0 0 rg BT 249.61 520.90 Td (was ) Tj ET Q q 0 0 0 rg BT 271.05 520.90 Td ($594 ) Tj ET Q q 0 0 0 rg BT 297.83 520.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 338.28 520.90 Td (up ) Tj ET Q q 0 0 0 rg BT 353.06 520.90 Td ($16million, ) Tj ET Q q 0 0 0 rg BT 414.51 520.90 Td (or ) Tj ET Q q 0 0 0 rg BT 427.29 520.90 Td (3%, ) Tj ET Q q 0 0 0 rg BT 449.07 520.90 Td (from ) Tj ET Q q 0 0 0 rg BT 475.17 520.90 Td (the ) Tj ET Q q 0 0 0 rg BT 492.61 520.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 518.72 520.90 Td (year) Tj ET Q q 0 0 0 rg BT 538.89 520.90 Td (, ) Tj ET Q q 0 0 0 rg BT 544.67 520.90 Td (due ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 506.50 Td (to ) Tj ET Q q 0 0 0 rg BT 62.33 506.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 95.99 506.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 119.65 506.50 Td (and ) Tj ET Q q 0 0 0 rg BT 139.98 506.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 177.64 506.50 Td (balances, ) Tj ET Q q 0 0 0 rg BT 224.95 506.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 267.93 506.50 Td (of) Tj ET Q q 0 0 0 rg BT 277.71 506.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 298.04 506.50 Td (by ) Tj ET Q q 0 0 0 rg BT 313.04 506.50 Td (spread ) Tj ET Q q 0 0 0 rg BT 347.36 506.50 Td (compression.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 486.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 96.30 486.10 Td (from ) Tj ET Q q 0 0 0 rg BT 123.95 486.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 160.92 486.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 218.56 486.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 285.52 486.10 Td (was ) Tj ET Q q 0 0 0 rg BT 308.50 486.10 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 333.82 486.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 372.48 486.10 Td (up ) Tj ET Q q 0 0 0 rg BT 388.79 486.10 Td (13% ) Tj ET Q q 0 0 0 rg BT 415.11 486.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 466.74 486.10 Td (with ) Tj ET Q q 0 0 0 rg BT 492.39 486.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.37 486.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.01 486.10 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 486.10 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 471.70 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 94.98 471.70 Td (from ) Tj ET Q q 0 0 0 rg BT 121.31 471.70 Td (Global ) Tj ET Q q 0 0 0 rg BT 156.75 471.70 Td (W) Tj ET Q q 0 0 0 rg BT 167.12 471.70 Td (ealth ) Tj ET Q q 0 0 0 rg BT 193.44 471.70 Td (Management ) Tj ET Q q 0 0 0 rg BT 259.08 471.70 Td (was ) Tj ET Q q 0 0 0 rg BT 280.74 471.70 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 304.74 471.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 342.08 471.70 Td (up ) Tj ET Q q 0 0 0 rg BT 357.08 471.70 Td (5%. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 451.30 Td (Client ) Tj ET Q q 0 0 0 rg BT 82.50 451.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 113.66 451.30 Td (were ) Tj ET Q q 0 0 0 rg BT 140.14 451.30 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 164.30 451.30 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 203.14 451.30 Td (an ) Tj ET Q q 0 0 0 rg BT 217.63 451.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 260.10 451.30 Td (of ) Tj ET Q q 0 0 0 rg BT 273.26 451.30 Td ($98 ) Tj ET Q q 0 0 0 rg BT 294.43 451.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 331.93 451.30 Td (or ) Tj ET Q q 0 0 0 rg BT 345.09 451.30 Td (4%, ) Tj ET Q q 0 0 0 rg BT 367.25 451.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 417.72 451.30 Td (with ) Tj ET Q q 0 0 0 rg BT 442.22 451.30 Td (the ) Tj ET Q q 0 0 0 rg BT 460.05 451.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.54 451.30 Td (year) Tj ET Q q 0 0 0 rg BT 506.53 451.30 Td (. ) Tj ET Q q 0 0 0 rg BT 512.69 451.30 Td (Excluding ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 436.90 Td (the ) Tj ET Q q 0 0 0 rg BT 67.65 436.90 Td (sale ) Tj ET Q q 0 0 0 rg BT 89.30 436.90 Td (of ) Tj ET Q q 0 0 0 rg BT 102.28 436.90 Td (Retirement ) Tj ET Q q 0 0 0 rg BT 158.59 436.90 Td (Plan ) Tj ET Q q 0 0 0 rg BT 182.91 436.90 Td (Services, ) Tj ET Q q 0 0 0 rg BT 229.55 436.90 Td (client ) Tj ET Q q 0 0 0 rg BT 259.20 436.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 290.18 436.90 Td (were ) Tj ET Q q 0 0 0 rg BT 316.49 436.90 Td (up ) Tj ET Q q 0 0 0 rg BT 331.48 436.90 Td (10% ) Tj ET Q q 0 0 0 rg BT 356.46 436.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 406.76 436.90 Td (with ) Tj ET Q q 0 0 0 rg BT 431.08 436.90 Td (the ) Tj ET Q q 0 0 0 rg BT 448.73 436.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 475.05 436.90 Td (year) Tj ET Q q 0 0 0 rg BT 495.04 436.90 Td (. ) Tj ET Q q 0 0 0 rg BT 500.37 436.90 Td (Assets ) Tj ET Q q 0 0 0 rg BT 534.69 436.90 Td (under ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 422.50 Td (management ) Tj ET Q q 0 0 0 rg BT 114.17 422.50 Td (were ) Tj ET Q q 0 0 0 rg BT 140.34 422.50 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 164.20 422.50 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 202.72 422.50 Td (an ) Tj ET Q q 0 0 0 rg BT 216.91 422.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 259.07 422.50 Td (of ) Tj ET Q q 0 0 0 rg BT 271.93 422.50 Td ($171 ) Tj ET Q q 0 0 0 rg BT 298.79 422.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 335.98 422.50 Td (or ) Tj ET Q q 0 0 0 rg BT 348.84 422.50 Td (1) Tj ET Q q 0 0 0 rg BT 354.39 422.50 Td (1%, ) Tj ET Q q 0 0 0 rg BT 376.25 422.50 Td (from ) Tj ET Q q 0 0 0 rg BT 402.44 422.50 Td (the ) Tj ET Q q 0 0 0 rg BT 419.96 422.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 446.14 422.50 Td (year) Tj ET Q q 0 0 0 rg BT 466.31 422.50 Td (, ) Tj ET Q q 0 0 0 rg BT 472.17 422.50 Td (due ) Tj ET Q q 0 0 0 rg BT 492.35 422.50 Td (to ) Tj ET Q q 0 0 0 rg BT 504.55 422.50 Td (the ) Tj ET Q q 0 0 0 rg BT 522.07 422.50 Td (ef) Tj ET Q q 0 0 0 rg BT 531.17 422.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 552.01 422.50 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 408.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.66 408.10 Td (market ) Tj ET Q q 0 0 0 rg BT 119.97 408.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 150.96 408.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.29 408.10 Td (net ) Tj ET Q q 0 0 0 rg BT 188.95 408.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 227.95 408.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.28 408.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 290.60 408.10 Td (products. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 387.70 Td (The ) Tj ET Q q 0 0 0 rg BT 71.51 387.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.69 387.70 Td (for ) Tj ET Q q 0 0 0 rg BT 136.53 387.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.70 387.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.21 387.70 Td (was ) Tj ET Q q 0 0 0 rg BT 219.73 387.70 Td ($9 ) Tj ET Q q 0 0 0 rg BT 234.57 387.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 275.09 387.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 325.25 387.70 Td (with ) Tj ET Q q 0 0 0 rg BT 349.43 387.70 Td (a ) Tj ET Q q 0 0 0 rg BT 357.61 387.70 Td (negligible ) Tj ET Q q 0 0 0 rg BT 408.45 387.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 456.63 387.70 Td (for ) Tj ET Q q 0 0 0 rg BT 473.47 387.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 503.64 387.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 535.16 387.70 Td (in ) Tj ET Q q 0 0 0 rg BT 547.34 387.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 373.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.33 373.30 Td (year) Tj ET Q q 0 0 0 rg BT 96.31 373.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 352.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.67 352.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.00 352.90 Td (was ) Tj ET Q q 0 0 0 rg BT 171.34 352.90 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 195.03 352.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.04 352.90 Td (an ) Tj ET Q q 0 0 0 rg BT 246.05 352.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 288.04 352.90 Td (of ) Tj ET Q q 0 0 0 rg BT 300.72 352.90 Td ($78 ) Tj ET Q q 0 0 0 rg BT 321.40 352.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 361.75 352.90 Td (or ) Tj ET Q q 0 0 0 rg BT 374.43 352.90 Td (4%, ) Tj ET Q q 0 0 0 rg BT 396.11 352.90 Td (from ) Tj ET Q q 0 0 0 rg BT 422.12 352.90 Td (the ) Tj ET Q q 0 0 0 rg BT 439.46 352.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 465.47 352.90 Td (year) Tj ET Q q 0 0 0 rg BT 485.63 352.90 Td (, ) Tj ET Q q 0 0 0 rg BT 491.32 352.90 Td (as ) Tj ET Q q 0 0 0 rg BT 503.99 352.90 Td (the ) Tj ET Q q 0 0 0 rg BT 521.34 352.90 Td (business ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 338.50 Td (continues ) Tj ET Q q 0 0 0 rg BT 98.99 338.50 Td (to ) Tj ET Q q 0 0 0 rg BT 111.32 338.50 Td (invest ) Tj ET Q q 0 0 0 rg BT 142.99 338.50 Td (in ) Tj ET Q q 0 0 0 rg BT 155.32 338.50 Td (both ) Tj ET Q q 0 0 0 rg BT 179.66 338.50 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 247.29 338.50 Td (and ) Tj ET Q q 0 0 0 rg BT 267.62 338.50 Td (controls.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 300.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 300.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 300.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 300.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 300.10 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 291.14 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 291.14 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 291.14 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 291.14 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 291.14 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 291.14 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 291.14 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 291.14 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 291.14 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 291.14 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 268.71 cm /I64 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 271.30 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 271.30 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 271.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 271.30 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 271.30 Td (25% ) Tj ET Q q 0 0 0 rg BT 234.31 271.30 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.31 271.30 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 273.31 271.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 304.65 271.30 Td ( ) Tj ET Q q 0 0 0 rg BT 307.65 271.30 Td (of ) Tj ET Q q 0 0 0 rg BT 320.64 271.30 Td (average ) Tj ET Q q 0 0 0 rg BT 360.95 271.30 Td (allocated ) Tj ET Q q 0 0 0 rg BT 407.25 271.30 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 254.31 cm /I65 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 256.90 Td (Pretax ) Tj ET Q q 0 0 0 rg BT 137.66 256.90 Td (mar) Tj ET Q q 0 0 0 rg BT 156.10 256.90 Td (gin) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 171.43 262.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 175.33 256.90 Td ( ) Tj ET Q q 0 0 0 rg BT 178.33 256.90 Td (was ) Tj ET Q q 0 0 0 rg BT 199.99 256.90 Td (31%, ) Tj ET Q q 0 0 0 rg BT 227.99 256.90 Td (up ) Tj ET Q q 0 0 0 rg BT 242.99 256.90 Td (from ) Tj ET Q q 0 0 0 rg BT 269.31 256.90 Td (28% ) Tj ET Q q 0 0 0 rg BT 294.31 256.90 Td (in ) Tj ET Q q 0 0 0 rg BT 306.64 256.90 Td (the ) Tj ET Q q 0 0 0 rg BT 324.30 256.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 350.63 256.90 Td (year) Tj ET Q q 0 0 0 rg BT 370.62 256.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 239.91 cm /I66 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 242.50 Td (For ) Tj ET Q q 0 0 0 rg BT 124.68 242.50 Td (the ) Tj ET Q q 0 0 0 rg BT 143.35 242.50 Td (12 ) Tj ET Q q 0 0 0 rg BT 159.36 242.50 Td (months ) Tj ET Q q 0 0 0 rg BT 198.71 242.50 Td (ended ) Tj ET Q q 0 0 0 rg BT 231.37 242.50 Td (September ) Tj ET Q q 0 0 0 rg BT 286.69 242.50 Td (30, ) Tj ET Q q 0 0 0 rg BT 305.70 242.50 Td (2014, ) Tj ET Q q 0 0 0 rg BT 336.71 242.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 368.72 242.50 Td (under ) Tj ET Q q 0 0 0 rg BT 400.05 242.50 Td (management ) Tj ET Q q 0 0 0 rg BT 465.36 242.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 511.34 242.50 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 228.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 143.07 228.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.15 228.10 Td ($84 ) Tj ET Q q 0 0 0 rg BT 177.22 228.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 214.63 228.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 287.69 228.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 321.42 228.10 Td (by ) Tj ET Q q 0 0 0 rg BT 336.50 228.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 386.89 228.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 434.29 228.10 Td (For ) Tj ET Q q 0 0 0 rg BT 454.04 228.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.77 228.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 505.27 228.10 Td (, ) Tj ET Q q 0 0 0 rg BT 511.34 228.10 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 213.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 143.03 213.70 Td (were ) Tj ET Q q 0 0 0 rg BT 169.37 213.70 Td ($24 ) Tj ET Q q 0 0 0 rg BT 190.40 213.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 227.76 213.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 261.45 213.70 Td (by ) Tj ET Q q 0 0 0 rg BT 276.47 213.70 Td (net ) Tj ET Q q 0 0 0 rg BT 294.16 213.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 333.19 213.70 Td (of ) Tj ET Q q 0 0 0 rg BT 346.21 213.70 Td ($16 ) Tj ET Q q 0 0 0 rg BT 367.24 213.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 401.60 213.70 Td (to ) Tj ET Q q 0 0 0 rg BT 413.97 213.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 464.31 213.70 Td (products ) Tj ET Q q 0 0 0 rg BT 508.67 213.70 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 199.30 Td ($8 ) Tj ET Q q 0 0 0 rg BT 119.00 199.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 153.34 199.30 Td (to ) Tj ET Q q 0 0 0 rg BT 165.67 199.30 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 209.34 199.30 Td (products.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 182.31 cm /I67 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 184.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 124.33 184.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 174.65 184.90 Td (client ) Tj ET Q q 0 0 0 rg BT 204.30 184.90 Td (flows ) Tj ET Q q 0 0 0 rg BT 233.97 184.90 Td (were ) Tj ET Q q 0 0 0 rg BT 260.28 184.90 Td (positive ) Tj ET Q q 0 0 0 rg BT 301.28 184.90 Td (for ) Tj ET Q q 0 0 0 rg BT 318.27 184.90 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 335.93 184.90 Td (twenty-second) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 405.91 184.90 Td ( ) Tj ET Q q 0 0 0 rg BT 408.91 184.90 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 468.55 184.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 501.87 184.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 167.91 cm /I68 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 170.50 Td (Assets ) Tj ET Q q 0 0 0 rg BT 139.29 170.50 Td (under ) Tj ET Q q 0 0 0 rg BT 170.56 170.50 Td (management ) Tj ET Q q 0 0 0 rg BT 235.82 170.50 Td (ranked ) Tj ET Q q 0 0 0 rg BT 272.42 170.50 Td (in ) Tj ET Q q 0 0 0 rg BT 285.70 170.50 Td (the ) Tj ET Q q 0 0 0 rg BT 304.31 170.50 Td (top ) Tj ET Q q 0 0 0 rg BT 323.60 170.50 Td (two ) Tj ET Q q 0 0 0 rg BT 345.55 170.50 Td (quartiles ) Tj ET Q q 0 0 0 rg BT 390.82 170.50 Td (for ) Tj ET Q q 0 0 0 rg BT 408.76 170.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 465.37 170.50 Td (performance ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 156.10 Td (were ) Tj ET Q q 0 0 0 rg BT 130.31 156.10 Td (71% ) Tj ET Q q 0 0 0 rg BT 155.31 156.10 Td (over ) Tj ET Q q 0 0 0 rg BT 179.63 156.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 188.63 156.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 219.95 156.10 Td (69% ) Tj ET Q q 0 0 0 rg BT 244.95 156.10 Td (over ) Tj ET Q q 0 0 0 rg BT 269.27 156.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 278.27 156.10 Td (years ) Tj ET Q q 0 0 0 rg BT 306.59 156.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.91 156.10 Td (54% ) Tj ET Q q 0 0 0 rg BT 351.91 156.10 Td (over ) Tj ET Q q 0 0 0 rg BT 376.23 156.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 385.23 156.10 Td (year) Tj ET Q q 0 0 0 rg BT 405.22 156.10 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 139.11 cm /I69 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 141.70 Td (Customer ) Tj ET Q q 0 0 0 rg BT 153.66 141.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 184.66 141.70 Td (in ) Tj ET Q q 0 0 0 rg BT 196.99 141.70 Td (4 ) Tj ET Q q 0 0 0 rg BT 205.99 141.70 Td (and ) Tj ET Q q 0 0 0 rg BT 226.32 141.70 Td (5 ) Tj ET Q q 0 0 0 rg BT 235.32 141.70 Td (Star) Tj ET Q q 0 0 0 rg BT 254.41 141.70 Td (-rated ) Tj ET Q q 0 0 0 rg BT 285.39 141.70 Td (funds ) Tj ET Q q 0 0 0 rg BT 315.05 141.70 Td (were ) Tj ET Q q 0 0 0 rg BT 341.37 141.70 Td (49% ) Tj ET Q q 0 0 0 rg BT 366.37 141.70 Td (of ) Tj ET Q q 0 0 0 rg BT 379.36 141.70 Td (all ) Tj ET Q q 0 0 0 rg BT 394.36 141.70 Td (rated ) Tj ET Q q 0 0 0 rg BT 421.34 141.70 Td (mutual ) Tj ET Q q 0 0 0 rg BT 457.67 141.70 Td (fund ) Tj ET Q q 0 0 0 rg BT 482.66 141.70 Td (assets. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 124.71 cm /I70 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 127.30 Td (Client ) Tj ET Q q 0 0 0 rg BT 136.67 127.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 168.01 127.30 Td (were ) Tj ET Q q 0 0 0 rg BT 194.66 127.30 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 219.00 127.30 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 258.01 127.30 Td (up ) Tj ET Q q 0 0 0 rg BT 273.35 127.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 292.68 127.30 Td (from ) Tj ET Q q 0 0 0 rg BT 319.35 127.30 Td (the ) Tj ET Q q 0 0 0 rg BT 337.35 127.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 364.02 127.30 Td (year ) Tj ET Q q 0 0 0 rg BT 388.00 127.30 Td (and ) Tj ET Q q 0 0 0 rg BT 408.67 127.30 Td (down ) Tj ET Q q 0 0 0 rg BT 438.68 127.30 Td (5% ) Tj ET Q q 0 0 0 rg BT 458.01 127.30 Td (from ) Tj ET Q q 0 0 0 rg BT 484.68 127.30 Td (the ) Tj ET Q q 0 0 0 rg BT 502.68 127.30 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 112.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 112.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 95.91 cm /I71 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 98.50 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 98.50 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.25 98.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.08 98.50 Td (were ) Tj ET Q q 0 0 0 rg BT 199.90 98.50 Td ($101.4 ) Tj ET Q q 0 0 0 rg BT 235.40 98.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 272.24 98.50 Td (a ) Tj ET Q q 0 0 0 rg BT 280.07 98.50 Td (record, ) Tj ET Q q 0 0 0 rg BT 316.21 98.50 Td (up ) Tj ET Q q 0 0 0 rg BT 330.72 98.50 Td (16% ) Tj ET Q q 0 0 0 rg BT 355.21 98.50 Td (from ) Tj ET Q q 0 0 0 rg BT 381.04 98.50 Td (the ) Tj ET Q q 0 0 0 rg BT 398.21 98.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 424.03 98.50 Td (year ) Tj ET Q q 0 0 0 rg BT 447.18 98.50 Td (and ) Tj ET Q q 0 0 0 rg BT 467.01 98.50 Td (3% ) Tj ET Q q 0 0 0 rg BT 485.51 98.50 Td (from ) Tj ET Q q 0 0 0 rg BT 511.34 98.50 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 84.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 84.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 84.10 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 67.11 cm /I72 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 69.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 69.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.86 69.70 Td (deposits ) Tj ET Q q 0 0 0 rg BT 189.31 69.70 Td (were ) Tj ET Q q 0 0 0 rg BT 215.74 69.70 Td ($151.2 ) Tj ET Q q 0 0 0 rg BT 251.85 69.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 289.30 69.70 Td (a ) Tj ET Q q 0 0 0 rg BT 297.74 69.70 Td (record, ) Tj ET Q q 0 0 0 rg BT 334.49 69.70 Td (up ) Tj ET Q q 0 0 0 rg BT 349.61 69.70 Td (9% ) Tj ET Q q 0 0 0 rg BT 368.72 69.70 Td (from ) Tj ET Q q 0 0 0 rg BT 395.16 69.70 Td (the ) Tj ET Q q 0 0 0 rg BT 412.93 69.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.37 69.70 Td (year ) Tj ET Q q 0 0 0 rg BT 463.13 69.70 Td (and ) Tj ET Q q 0 0 0 rg BT 483.57 69.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 502.68 69.70 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 55.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 55.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 55.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 55.30 Td (.) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 717.30 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 717.30 Td (TE/PRIV) Tj ET Q q 0 0 0 rg BT 151.80 717.30 Td (A) Tj ET Q q 0 0 0 rg BT 159.14 717.30 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 50.5 706.8 m 50.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 706.8 m 231.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 706.8 m 231.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 706.8 m 276.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 706.8 m 280.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 706.8 m 280.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 706.8 m 325.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 706.8 m 329.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 706.8 m 329.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 706.8 m 374.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 706.8 m 378.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 706.8 m 378.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 706.8 m 423.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 679.8 m 423.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 706.8 m 468.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 679.8 m 468.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 706.8 m 472.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 679.8 m 472.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 706.8 m 472.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 706.8 m 517.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 679.8 m 517.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 706.8 m 562.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 706.8 m 562.5 706.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 679.8 m 562.5 679.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 679.8 m 50.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 664.8 m 231.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 679.8 m 231.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 664.8 m 276.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 664.8 m 280.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 679.8 m 280.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 664.8 m 325.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 664.8 m 329.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 679.8 m 329.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 664.8 m 374.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 664.8 m 378.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 679.8 m 378.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 664.8 m 423.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 679.8 m 423.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 664.8 m 468.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 664.8 m 472.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 679.8 m 472.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 664.8 m 517.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 679.8 m 517.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 679.8 m 562.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 664.8 m 562.5 664.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 664.8 m 50.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 649.8 m 231.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 664.8 m 231.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 649.8 m 276.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 649.8 m 280.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 664.8 m 280.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 649.8 m 325.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 649.8 m 329.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 664.8 m 329.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 649.8 m 374.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 649.8 m 378.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 664.8 m 378.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 649.8 m 423.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 664.8 m 423.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 649.8 m 468.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 649.8 m 472.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 664.8 m 472.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 649.8 m 517.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 664.8 m 517.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 664.8 m 562.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 649.8 m 562.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 649.8 m 50.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 634.8 m 231.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 649.8 m 231.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 634.8 m 276.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 634.8 m 280.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 649.8 m 280.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 634.8 m 325.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 634.8 m 329.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 649.8 m 329.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 634.8 m 374.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 634.8 m 378.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 649.8 m 378.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 634.8 m 423.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 649.8 m 423.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 649.8 m 468.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 634.8 m 468.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 634.8 m 472.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 649.8 m 472.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 634.8 m 517.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 649.8 m 517.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 649.8 m 562.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 649.8 m 562.5 649.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 634.8 m 562.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 634.8 m 50.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 619.8 m 231.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 634.8 m 231.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 619.8 m 276.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 619.8 m 280.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 634.8 m 280.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 619.8 m 325.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 619.8 m 329.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 634.8 m 329.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 619.8 m 374.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 619.8 m 378.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 634.8 m 378.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 619.8 m 423.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 634.8 m 423.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 619.8 m 468.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 619.8 m 472.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 634.8 m 472.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 619.8 m 517.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 634.8 m 517.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 634.8 m 562.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 634.8 m 562.5 634.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 619.8 m 562.5 619.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 619.8 m 50.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 604.8 m 231.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 619.8 m 231.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 604.8 m 276.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 604.8 m 280.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 619.8 m 280.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 604.8 m 325.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 604.8 m 329.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 619.8 m 329.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 604.8 m 374.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 604.8 m 378.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 619.8 m 378.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 604.8 m 423.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 619.8 m 423.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 604.8 m 468.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 604.8 m 472.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 619.8 m 472.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 604.8 m 517.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 619.8 m 517.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 619.8 m 562.5 604.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 604.8 m 562.5 604.8 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 695.72 Td (Results for ) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 684.72 Td (Corporate/Private Equity) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 684.72 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 684.72 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 669.67 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 669.67 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 669.67 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 669.67 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 669.67 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 669.67 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 669.67 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 669.67 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 654.67 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 654.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 654.67 Td (422) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 654.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 654.67 Td (270) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 654.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 654.67 Td (121) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 654.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 654.67 Td (152) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 654.67 Td (56) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 654.67 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 654.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 654.67 Td (301) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 532.60 654.67 Td (249) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 654.67 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 639.67 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 263.10 639.67 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 639.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 306.60 639.67 Td (\(10) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 639.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 355.60 639.67 Td (\(17) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 639.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 413.80 639.67 Td (2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 639.67 Td (20) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 507.80 639.67 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.15 639.67 Td (53) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 624.67 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 624.67 Td (709) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 624.67 Td (180) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 624.67 Td (9,096) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 624.67 Td (529) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 442.30 624.67 Td (294) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 484.85 624.67 Td (\(8,387) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 624.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 624.67 Td (\(92) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 624.67 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 609.67 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 609.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 609.67 Td (398) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 609.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 609.67 Td (369) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 609.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 341.85 609.67 Td (\(6,463) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 609.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 609.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 609.67 Td (29) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 609.67 Td (8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 609.67 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 609.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 488.50 609.67 Td (6,861) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 609.67 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 576.50 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.33 562.10 Td (income ) Tj ET Q q 0 0 0 rg BT 108.65 562.10 Td (was ) Tj ET Q q 0 0 0 rg BT 130.31 562.10 Td ($398 ) Tj ET Q q 0 0 0 rg BT 157.31 562.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 197.98 562.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 248.29 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 272.62 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.95 562.10 Td (net ) Tj ET Q q 0 0 0 rg BT 298.61 562.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 320.28 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.28 562.10 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 357.28 562.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 391.61 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 403.95 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.61 562.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 447.93 562.10 Td (year) Tj ET Q q 0 0 0 rg BT 467.92 562.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 541.70 Td (Private ) Tj ET Q q 0 0 0 rg BT 87.27 541.70 Td (Equity ) Tj ET Q q 0 0 0 rg BT 122.55 541.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 165.81 541.70 Td (net ) Tj ET Q q 0 0 0 rg BT 183.75 541.70 Td (income ) Tj ET Q q 0 0 0 rg BT 222.35 541.70 Td (of ) Tj ET Q q 0 0 0 rg BT 235.63 541.70 Td ($71 ) Tj ET Q q 0 0 0 rg BT 256.91 541.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 297.86 541.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 348.45 541.70 Td (with ) Tj ET Q q 0 0 0 rg BT 373.07 541.70 Td (net ) Tj ET Q q 0 0 0 rg BT 391.01 541.70 Td (income ) Tj ET Q q 0 0 0 rg BT 429.61 541.70 Td (of ) Tj ET Q q 0 0 0 rg BT 442.89 541.70 Td ($242 ) Tj ET Q q 0 0 0 rg BT 470.17 541.70 Td (million ) Tj ET Q q 0 0 0 rg BT 508.12 541.70 Td (in ) Tj ET Q q 0 0 0 rg BT 520.74 541.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 541.70 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 527.30 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 527.30 Td (, ) Tj ET Q q 0 0 0 rg BT 76.17 527.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 123.82 527.30 Td (due ) Tj ET Q q 0 0 0 rg BT 144.15 527.30 Td (to ) Tj ET Q q 0 0 0 rg BT 156.48 527.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 186.80 527.30 Td (net ) Tj ET Q q 0 0 0 rg BT 204.46 527.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 252.12 527.30 Td (gains ) Tj ET Q q 0 0 0 rg BT 280.45 527.30 Td (on ) Tj ET Q q 0 0 0 rg BT 295.45 527.30 Td (investments.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 506.90 Td (T) Tj ET Q q 0 0 0 rg BT 56.91 506.90 Td (reasury ) Tj ET Q q 0 0 0 rg BT 95.43 506.90 Td (and ) Tj ET Q q 0 0 0 rg BT 115.97 506.90 Td (CIO ) Tj ET Q q 0 0 0 rg BT 139.84 506.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 183.03 506.90 Td (a ) Tj ET Q q 0 0 0 rg BT 191.57 506.90 Td (net ) Tj ET Q q 0 0 0 rg BT 209.44 506.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 231.32 506.90 Td (of ) Tj ET Q q 0 0 0 rg BT 244.53 506.90 Td ($30 ) Tj ET Q q 0 0 0 rg BT 265.73 506.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 306.61 506.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 357.13 506.90 Td (with ) Tj ET Q q 0 0 0 rg BT 381.68 506.90 Td (a ) Tj ET Q q 0 0 0 rg BT 390.21 506.90 Td (net ) Tj ET Q q 0 0 0 rg BT 408.08 506.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 429.96 506.90 Td (of ) Tj ET Q q 0 0 0 rg BT 443.17 506.90 Td ($193 ) Tj ET Q q 0 0 0 rg BT 470.38 506.90 Td (million ) Tj ET Q q 0 0 0 rg BT 508.26 506.90 Td (in ) Tj ET Q q 0 0 0 rg BT 520.80 506.90 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 506.90 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 492.50 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 492.50 Td (. ) Tj ET Q q 0 0 0 rg BT 76.83 492.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 97.99 492.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 139.81 492.50 Td (was ) Tj ET Q q 0 0 0 rg BT 162.31 492.50 Td ($132 ) Tj ET Q q 0 0 0 rg BT 190.15 492.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 231.66 492.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 282.81 492.50 Td (with ) Tj ET Q q 0 0 0 rg BT 307.99 492.50 Td (a ) Tj ET Q q 0 0 0 rg BT 317.16 492.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 339.67 492.50 Td (of ) Tj ET Q q 0 0 0 rg BT 353.51 492.50 Td ($232 ) Tj ET Q q 0 0 0 rg BT 381.35 492.50 Td (million ) Tj ET Q q 0 0 0 rg BT 419.86 492.50 Td (in ) Tj ET Q q 0 0 0 rg BT 433.03 492.50 Td (the ) Tj ET Q q 0 0 0 rg BT 451.53 492.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 478.70 492.50 Td (year) Tj ET Q q 0 0 0 rg BT 498.69 492.50 Td (. ) Tj ET Q q 0 0 0 rg BT 505.53 492.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.70 492.50 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (income ) Tj ET Q q 0 0 0 rg BT 87.63 478.10 Td (was ) Tj ET Q q 0 0 0 rg BT 108.61 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 116.25 478.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 139.22 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.53 478.10 Td ($36 ) Tj ET Q q 0 0 0 rg BT 171.84 478.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 211.83 478.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 261.45 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 285.09 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 292.73 478.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 313.72 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.03 478.10 Td ($261 ) Tj ET Q q 0 0 0 rg BT 352.34 478.10 Td (million ) Tj ET Q q 0 0 0 rg BT 389.33 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 400.97 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.95 478.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 443.58 478.10 Td (year) Tj ET Q q 0 0 0 rg BT 463.75 478.10 Td (, ) Tj ET Q q 0 0 0 rg BT 469.07 478.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 516.03 478.10 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 463.70 Td (the ) Tj ET Q q 0 0 0 rg BT 67.66 463.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 103.98 463.70 Td (of ) Tj ET Q q 0 0 0 rg BT 116.97 463.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 150.63 463.70 Td (re-investment ) Tj ET Q q 0 0 0 rg BT 219.61 463.70 Td (yields ) Tj ET Q q 0 0 0 rg BT 251.27 463.70 Td (and ) Tj ET Q q 0 0 0 rg BT 271.60 463.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 305.25 463.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 360.91 463.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 409.23 463.70 Td (balances.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 443.30 Td (Other ) Tj ET Q q 0 0 0 rg BT 80.55 443.30 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 131.76 443.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 174.97 443.30 Td (net ) Tj ET Q q 0 0 0 rg BT 192.86 443.30 Td (income ) Tj ET Q q 0 0 0 rg BT 231.41 443.30 Td (of ) Tj ET Q q 0 0 0 rg BT 244.63 443.30 Td ($357 ) Tj ET Q q 0 0 0 rg BT 271.86 443.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 312.76 443.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 363.29 443.30 Td (with ) Tj ET Q q 0 0 0 rg BT 387.86 443.30 Td (a ) Tj ET Q q 0 0 0 rg BT 396.41 443.30 Td (net ) Tj ET Q q 0 0 0 rg BT 414.30 443.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 436.20 443.30 Td (of ) Tj ET Q q 0 0 0 rg BT 449.43 443.30 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 473.66 443.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 508.22 443.30 Td (in ) Tj ET Q q 0 0 0 rg BT 520.78 443.30 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 443.30 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 428.90 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 428.90 Td (. ) Tj ET Q q 0 0 0 rg BT 75.02 428.90 Td (The ) Tj ET Q q 0 0 0 rg BT 95.87 428.90 Td (current ) Tj ET Q q 0 0 0 rg BT 132.04 428.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 168.21 428.90 Td (included ) Tj ET Q q 0 0 0 rg BT 211.72 428.90 Td ($512 ) Tj ET Q q 0 0 0 rg BT 237.91 428.90 Td (million ) Tj ET Q q 0 0 0 rg BT 274.77 428.90 Td (\(pretax\) ) Tj ET Q q 0 0 0 rg BT 314.94 428.90 Td (of ) Tj ET Q q 0 0 0 rg BT 327.13 428.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 352.64 428.90 Td (expense, ) Tj ET Q q 0 0 0 rg BT 396.48 428.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 445.98 428.90 Td (with ) Tj ET Q q 0 0 0 rg BT 469.50 428.90 Td (approximately ) Tj ET Q q 0 0 0 rg BT 541.00 428.90 Td ($9.2 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 414.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 85.35 414.50 Td (\(pretax\) ) Tj ET Q q 0 0 0 rg BT 127.33 414.50 Td (of ) Tj ET Q q 0 0 0 rg BT 141.33 414.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 168.66 414.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 211.32 414.50 Td (in ) Tj ET Q q 0 0 0 rg BT 224.67 414.50 Td (the ) Tj ET Q q 0 0 0 rg BT 243.33 414.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 270.67 414.50 Td (year) Tj ET Q q 0 0 0 rg BT 290.66 414.50 Td (. ) Tj ET Q q 0 0 0 rg BT 297.38 414.50 Td (The ) Tj ET Q q 0 0 0 rg BT 320.04 414.50 Td (current ) Tj ET Q q 0 0 0 rg BT 358.03 414.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 396.02 414.50 Td (also ) Tj ET Q q 0 0 0 rg BT 419.36 414.50 Td (included ) Tj ET Q q 0 0 0 rg BT 464.69 414.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 538.01 414.50 Td ($400 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (million ) Tj ET Q q 0 0 0 rg BT 87.67 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.67 400.10 Td (net ) Tj ET Q q 0 0 0 rg BT 118.33 400.10 Td (income ) Tj ET Q q 0 0 0 rg BT 156.65 400.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 192.96 400.10 Td (from ) Tj ET Q q 0 0 0 rg BT 219.29 400.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 236.95 400.10 Td (adjustments.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 362.30 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 194.02 367.74 Td (\(*\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 351.79999999999995 m 50.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 351.79999999999995 m 231.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 351.79999999999995 m 231.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 351.79999999999995 m 276.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 351.79999999999995 m 280.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 351.79999999999995 m 280.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 351.79999999999995 m 325.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 351.79999999999995 m 329.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 351.79999999999995 m 329.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 351.79999999999995 m 374.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 351.79999999999995 m 378.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 351.79999999999995 m 378.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 351.79999999999995 m 423.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 336.79999999999995 m 423.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 351.79999999999995 m 468.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 336.79999999999995 m 468.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 351.79999999999995 m 472.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 336.79999999999995 m 472.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 351.79999999999995 m 472.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 351.79999999999995 m 517.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 336.79999999999995 m 517.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 351.79999999999995 m 562.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 351.79999999999995 m 562.5 351.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 336.79999999999995 m 562.5 336.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 336.79999999999995 m 50.5 321.79999999999995 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 231.5 336.79999999999995 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 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 280.5 336.79999999999995 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 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 329.5 336.79999999999995 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 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 378.5 336.79999999999995 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 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 423.5 336.79999999999995 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 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 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 472.5 336.79999999999995 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 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 517.5 336.79999999999995 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 562.5 336.79999999999995 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 517.5 321.79999999999995 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 50.5 321.79999999999995 m 50.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 306.79999999999995 m 231.5 306.79999999999995 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 231.5 306.79999999999995 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 231.5 306.79999999999995 m 276.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 306.79999999999995 m 280.5 306.79999999999995 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 280.5 306.79999999999995 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 280.5 306.79999999999995 m 325.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 306.79999999999995 m 329.5 306.79999999999995 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 329.5 306.79999999999995 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 329.5 306.79999999999995 m 374.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 306.79999999999995 m 378.5 306.79999999999995 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 378.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 306.79999999999995 m 423.5 306.79999999999995 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 423.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 306.79999999999995 m 472.5 306.79999999999995 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 472.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 306.79999999999995 m 517.5 306.79999999999995 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 517.5 306.79999999999995 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 562.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 306.79999999999995 m 562.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 306.79999999999995 m 50.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 291.79999999999995 m 231.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 306.79999999999995 m 231.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 306.79999999999995 m 276.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 291.79999999999995 m 276.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 291.79999999999995 m 280.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 306.79999999999995 m 280.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 306.79999999999995 m 325.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 291.79999999999995 m 325.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 291.79999999999995 m 329.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 306.79999999999995 m 329.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 306.79999999999995 m 374.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 291.79999999999995 m 374.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 291.79999999999995 m 378.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 306.79999999999995 m 378.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 291.79999999999995 m 423.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 306.79999999999995 m 423.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 306.79999999999995 m 468.5 306.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 291.79999999999995 m 468.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 291.79999999999995 m 472.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 306.79999999999995 m 472.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 291.79999999999995 m 517.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 306.79999999999995 m 517.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 306.79999999999995 m 562.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 291.79999999999995 m 562.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 291.79999999999995 m 50.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 276.79999999999995 m 231.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 291.79999999999995 m 231.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 291.79999999999995 m 276.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 276.79999999999995 m 276.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 276.79999999999995 m 280.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 291.79999999999995 m 280.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 291.79999999999995 m 325.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 276.79999999999995 m 325.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 276.79999999999995 m 329.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 291.79999999999995 m 329.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 291.79999999999995 m 374.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 276.79999999999995 m 374.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 276.79999999999995 m 378.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 291.79999999999995 m 378.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 276.79999999999995 m 423.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 291.79999999999995 m 423.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 276.79999999999995 m 468.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 276.79999999999995 m 472.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 291.79999999999995 m 472.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 276.79999999999995 m 517.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 291.79999999999995 m 517.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 291.79999999999995 m 562.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 276.79999999999995 m 562.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 276.79999999999995 m 50.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 261.79999999999995 m 231.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 276.79999999999995 m 231.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 276.79999999999995 m 276.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 261.79999999999995 m 276.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 261.79999999999995 m 280.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 276.79999999999995 m 280.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 276.79999999999995 m 325.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 261.79999999999995 m 325.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 261.79999999999995 m 329.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 276.79999999999995 m 329.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 276.79999999999995 m 374.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 261.79999999999995 m 374.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 261.79999999999995 m 378.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 276.79999999999995 m 378.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 261.79999999999995 m 423.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 276.79999999999995 m 423.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 276.79999999999995 m 468.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 261.79999999999995 m 468.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 261.79999999999995 m 472.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 276.79999999999995 m 472.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 276.79999999999995 m 517.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 276.79999999999995 m 517.5 276.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 261.79999999999995 m 517.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 276.79999999999995 m 517.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 276.79999999999995 m 562.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 261.79999999999995 m 562.5 261.79999999999995 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 341.67 Td (Results for JPM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 341.67 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 341.67 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 326.67 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 326.67 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 326.67 Td (2Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 326.67 Td (3Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 326.67 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 326.67 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 326.67 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 326.67 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 311.67 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 311.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 311.67 Td (25,159) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 311.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 311.67 Td (25,349) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 311.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 311.67 Td (23,880) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 311.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 311.67 Td (\(190) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 311.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 311.67 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 311.67 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 311.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 488.50 311.67 Td (1,279) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 547.30 311.67 Td (5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 311.67 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 296.67 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 296.67 Td (757) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 296.67 Td (692) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 350.10 296.67 Td (\(543) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 296.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 296.67 Td (65) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 296.67 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 296.67 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 488.50 296.67 Td (1,300) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 296.67 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 281.67 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 281.67 Td (15,798) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 281.67 Td (15,431) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 281.67 Td (23,626) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 281.67 Td (367) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 281.67 Td (2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 484.85 281.67 Td (\(7,828) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 281.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.10 281.67 Td (\(33) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 281.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 266.67 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 266.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 266.67 Td (5,572) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 266.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 266.67 Td (5,985) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 266.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 350.10 266.67 Td (\(380) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 266.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 266.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 266.67 Td (\(413) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 266.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 266.67 Td (\(7) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 266.67 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 266.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 488.50 266.67 Td (5,952) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 266.67 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 252.70 Td (\(*\) Presented on a managed basis. See notes on page 12 for further explanation of managed basis. Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 458.48 252.70 Td ( basis totaled ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.25 252.70 Td ($24.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.14 252.70 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 243.10 Td ($24.5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 99.89 243.10 Td (, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.44 243.10 Td ($23.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 158.33 243.10 Td ( for the third quarter of 2014, second quarter of 2014, and third quarter of 2013, respectively) Tj ET Q q 0 0 0 rg BT 453.50 243.10 Td (. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 214.30 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 193.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.78 193.90 Td (income ) Tj ET Q q 0 0 0 rg BT 107.56 193.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 128.67 193.90 Td ($5.6 ) Tj ET Q q 0 0 0 rg BT 152.13 193.90 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 183.46 193.90 Td (, ) Tj ET Q q 0 0 0 rg BT 188.92 193.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 238.68 193.90 Td (with ) Tj ET Q q 0 0 0 rg BT 262.47 193.90 Td (a ) Tj ET Q q 0 0 0 rg BT 270.25 193.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 291.38 193.90 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.83 193.90 Td ($380 ) Tj ET Q q 0 0 0 rg BT 330.29 193.90 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 364.96 193.90 Td ( ) Tj ET Q q 0 0 0 rg BT 367.41 193.90 Td (in ) Tj ET Q q 0 0 0 rg BT 379.20 193.90 Td (the ) Tj ET Q q 0 0 0 rg BT 396.32 193.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 422.10 193.90 Td (year) Tj ET Q q 0 0 0 rg BT 442.09 193.90 Td (. ) Tj ET Q q 0 0 0 rg BT 447.36 193.90 Td (The ) Tj ET Q q 0 0 0 rg BT 468.48 193.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 510.23 193.90 Td (was ) Tj ET Q q 0 0 0 rg BT 531.35 193.90 Td (driven ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 179.50 Td (by ) Tj ET Q q 0 0 0 rg BT 65.00 179.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 95.32 179.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 151.64 179.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 193.29 179.50 Td (and ) Tj ET Q q 0 0 0 rg BT 213.62 179.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 247.27 179.50 Td (net ) Tj ET Q q 0 0 0 rg BT 264.93 179.50 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 308.91 179.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 351.89 179.50 Td (of) Tj ET Q q 0 0 0 rg BT 361.67 179.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 382.00 179.50 Td (by ) Tj ET Q q 0 0 0 rg BT 397.00 179.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 430.65 179.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 478.99 179.50 Td (for ) Tj ET Q q 0 0 0 rg BT 495.98 179.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 526.30 179.50 Td (losses.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 159.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.88 159.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 112.40 159.10 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 134.62 159.10 Td ($25.2 ) Tj ET Q q 0 0 0 rg BT 165.17 159.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 196.50 159.10 Td (, ) Tj ET Q q 0 0 0 rg BT 203.05 159.10 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 218.60 159.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 243.15 159.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 274.49 159.10 Td (, ) Tj ET Q q 0 0 0 rg BT 281.04 159.10 Td (or ) Tj ET Q q 0 0 0 rg BT 294.59 159.10 Td (5%, ) Tj ET Q q 0 0 0 rg BT 317.13 159.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 367.99 159.10 Td (with ) Tj ET Q q 0 0 0 rg BT 392.88 159.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.09 159.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 437.97 159.10 Td (year) Tj ET Q q 0 0 0 rg BT 457.95 159.10 Td (. ) Tj ET Q q 0 0 0 rg BT 464.50 159.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.04 159.10 Td (revenue ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 144.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.58 144.70 Td ($13.8 ) Tj ET Q q 0 0 0 rg BT 103.49 144.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 134.83 144.70 Td (, ) Tj ET Q q 0 0 0 rg BT 141.74 144.70 Td (up ) Tj ET Q q 0 0 0 rg BT 157.65 144.70 Td ($875 ) Tj ET Q q 0 0 0 rg BT 185.57 144.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 227.15 144.70 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 241.06 144.70 Td (7) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 247.06 144.70 Td (%, ) Tj ET Q q 0 0 0 rg BT 263.97 144.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 315.20 144.70 Td (with ) Tj ET Q q 0 0 0 rg BT 340.44 144.70 Td (the ) Tj ET Q q 0 0 0 rg BT 359.02 144.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 386.26 144.70 Td (year) Tj ET Q q 0 0 0 rg BT 406.24 144.70 Td (. ) Tj ET Q q 0 0 0 rg BT 413.16 144.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 434.40 144.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 473.63 144.70 Td (income ) Tj ET Q q 0 0 0 rg BT 512.87 144.70 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 535.44 144.70 Td ($1) Tj ET Q q 0 0 0 rg BT 547.00 144.70 Td (1.4 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 130.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 81.34 130.30 Td (, ) Tj ET Q q 0 0 0 rg BT 87.46 130.30 Td (up ) Tj ET Q q 0 0 0 rg BT 102.58 130.30 Td ($404 ) Tj ET Q q 0 0 0 rg BT 129.71 130.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 170.50 130.30 Td (or ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 183.62 130.30 Td (4) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 189.62 130.30 Td (%, ) Tj ET Q q 0 0 0 rg BT 205.74 130.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 256.17 130.30 Td (with ) Tj ET Q q 0 0 0 rg BT 280.63 130.30 Td (the ) Tj ET Q q 0 0 0 rg BT 298.41 130.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 324.86 130.30 Td (year) Tj ET Q q 0 0 0 rg BT 345.03 130.30 Td (, ) Tj ET Q q 0 0 0 rg BT 351.15 130.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 400.24 130.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 430.69 130.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 469.13 130.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 510.90 130.30 Td (and ) Tj ET Q q 0 0 0 rg BT 531.35 130.30 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 115.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 105.66 115.90 Td (securities ) Tj ET Q q 0 0 0 rg BT 153.97 115.90 Td (yields, ) Tj ET Q q 0 0 0 rg BT 188.64 115.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 231.62 115.90 Td (of) Tj ET Q q 0 0 0 rg BT 241.40 115.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 261.73 115.90 Td (by ) Tj ET Q q 0 0 0 rg BT 276.73 115.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 307.05 115.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 330.71 115.90 Td (yields.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 95.50 Td (The ) Tj ET Q q 0 0 0 rg BT 71.57 95.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.82 95.50 Td (for ) Tj ET Q q 0 0 0 rg BT 136.72 95.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.95 95.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.54 95.50 Td (was ) Tj ET Q q 0 0 0 rg BT 220.11 95.50 Td (an ) Tj ET Q q 0 0 0 rg BT 234.35 95.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 275.91 95.50 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 288.82 95.50 Td ($757 ) Tj ET Q q 0 0 0 rg BT 315.74 95.50 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 350.41 95.50 Td (, ) Tj ET Q q 0 0 0 rg BT 356.32 95.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 406.54 95.50 Td (with ) Tj ET Q q 0 0 0 rg BT 430.79 95.50 Td (a ) Tj ET Q q 0 0 0 rg BT 439.03 95.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 475.26 95.50 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 488.17 95.50 Td ($543 ) Tj ET Q q 0 0 0 rg BT 515.08 95.50 Td (million) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 549.75 95.50 Td ( ) Tj ET Q q 0 0 0 rg BT 552.67 95.50 Td (in ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 81.10 Td (the ) Tj ET Q q 0 0 0 rg BT 67.03 81.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 92.73 81.10 Td (year) Tj ET Q q 0 0 0 rg BT 112.72 81.10 Td (. ) Tj ET Q q 0 0 0 rg BT 117.92 81.10 Td (The ) Tj ET Q q 0 0 0 rg BT 138.94 81.10 Td (total ) Tj ET Q q 0 0 0 rg BT 162.64 81.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 211.67 81.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 259.37 81.10 Td (for ) Tj ET Q q 0 0 0 rg BT 275.74 81.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 305.42 81.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 336.47 81.10 Td (was ) Tj ET Q q 0 0 0 rg BT 357.50 81.10 Td (an ) Tj ET Q q 0 0 0 rg BT 371.20 81.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 412.22 81.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.59 81.10 Td ($897 ) Tj ET Q q 0 0 0 rg BT 450.96 81.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 491.00 81.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.68 81.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 66.70 Td (a ) Tj ET Q q 0 0 0 rg BT 58.20 66.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 94.40 66.70 Td (of ) Tj ET Q q 0 0 0 rg BT 107.27 66.70 Td ($273 ) Tj ET Q q 0 0 0 rg BT 134.15 66.70 Td (million ) Tj ET Q q 0 0 0 rg BT 171.69 66.70 Td (in ) Tj ET Q q 0 0 0 rg BT 183.90 66.70 Td (the ) Tj ET Q q 0 0 0 rg BT 201.44 66.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 227.64 66.70 Td (year) Tj ET Q q 0 0 0 rg BT 247.63 66.70 Td (. ) Tj ET Q q 0 0 0 rg BT 253.30 66.70 Td (The ) Tj ET Q q 0 0 0 rg BT 274.83 66.70 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 349.66 66.70 Td (consumer ) Tj ET Q q 0 0 0 rg BT 399.19 66.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 447.40 66.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 492.25 66.70 Td (a ) Tj ET Q q 0 0 0 rg BT 500.45 66.70 Td ($200 ) Tj ET Q q 0 0 0 rg BT 527.33 66.70 Td (million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 52.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 97.61 52.30 Td (in ) Tj ET Q q 0 0 0 rg BT 109.24 52.30 Td (the ) Tj ET Q q 0 0 0 rg BT 126.20 52.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 177.14 52.30 Td (for ) Tj ET Q q 0 0 0 rg BT 193.43 52.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 216.38 52.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 250.35 52.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 299.96 52.30 Td (to ) Tj ET Q q 0 0 0 rg BT 311.59 52.30 Td (a ) Tj ET Q q 0 0 0 rg BT 319.21 52.30 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 342.51 52.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 376.14 52.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 423.75 52.30 Td (in ) Tj ET Q q 0 0 0 rg BT 435.38 52.30 Td (the ) Tj ET Q q 0 0 0 rg BT 452.34 52.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 477.96 52.30 Td (year) Tj ET Q q 0 0 0 rg BT 497.95 52.30 Td (. ) Tj ET Q q 0 0 0 rg BT 503.08 52.30 Td (The ) Tj ET Q q 0 0 0 rg BT 524.03 52.30 Td (current-) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 89.11 740.70 Td (consumer ) Tj ET Q q 0 0 0 rg BT 140.88 740.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 194.65 740.70 Td (release ) Tj ET Q q 0 0 0 rg BT 233.08 740.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 282.86 740.70 Td (reflects ) Tj ET Q q 0 0 0 rg BT 323.30 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 343.09 740.70 Td (continued ) Tj ET Q q 0 0 0 rg BT 395.53 740.70 Td (improvement ) Tj ET Q q 0 0 0 rg BT 464.64 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 479.11 740.70 Td (home ) Tj ET Q q 0 0 0 rg BT 510.89 740.70 Td (prices ) Tj ET Q q 0 0 0 rg BT 544.67 740.70 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 113.45 726.30 Td (trends ) Tj ET Q q 0 0 0 rg BT 147.58 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 161.71 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 181.18 726.30 Td (residential ) Tj ET Q q 0 0 0 rg BT 235.96 726.30 Td (real ) Tj ET Q q 0 0 0 rg BT 258.74 726.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 290.86 726.30 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 337.66 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 359.79 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 379.25 726.30 Td (run-of) Tj ET Q q 0 0 0 rg BT 409.02 726.30 Td (f ) Tj ET Q q 0 0 0 rg BT 417.82 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 432.62 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 452.08 726.30 Td (student ) Tj ET Q q 0 0 0 rg BT 491.55 726.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 517.01 726.30 Td (portfolio. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 102.94 711.90 Td (net ) Tj ET Q q 0 0 0 rg BT 121.20 711.90 Td (char) Tj ET Q q 0 0 0 rg BT 141.63 711.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 166.74 711.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 179.01 711.90 Td (were ) Tj ET Q q 0 0 0 rg BT 205.93 711.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 230.54 711.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 268.48 711.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 319.39 711.90 Td (with ) Tj ET Q q 0 0 0 rg BT 344.33 711.90 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 368.94 711.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 403.88 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 416.82 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 435.09 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 462.02 711.90 Td (year) Tj ET Q q 0 0 0 rg BT 482.19 711.90 Td (, ) Tj ET Q q 0 0 0 rg BT 488.80 711.90 Td (resulting ) Tj ET Q q 0 0 0 rg BT 534.40 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 547.34 711.90 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (char) Tj ET Q q 0 0 0 rg BT 70.43 697.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 95.53 697.50 Td (f ) Tj ET Q q 0 0 0 rg BT 102.53 697.50 Td (rates ) Tj ET Q q 0 0 0 rg BT 128.18 697.50 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 141.18 697.50 Td (1.19) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 162.18 697.50 Td (% ) Tj ET Q q 0 0 0 rg BT 175.17 697.50 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 195.50 697.50 Td (1.47) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 216.50 697.50 Td (%, ) Tj ET Q q 0 0 0 rg BT 232.50 697.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 289.69 697.50 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (The ) Tj ET Q q 0 0 0 rg BT 72.17 677.10 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 123.68 677.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 172.53 677.10 Td (for ) Tj ET Q q 0 0 0 rg BT 190.04 677.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 220.87 677.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 253.06 677.10 Td (was ) Tj ET Q q 0 0 0 rg BT 275.24 677.10 Td (a ) Tj ET Q q 0 0 0 rg BT 284.09 677.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 320.92 677.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.44 677.10 Td ($140 ) Tj ET Q q 0 0 0 rg BT 361.96 677.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 403.14 677.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 453.97 677.10 Td (with ) Tj ET Q q 0 0 0 rg BT 478.82 677.10 Td (a ) Tj ET Q q 0 0 0 rg BT 487.67 677.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 524.50 677.10 Td (of ) Tj ET Q q 0 0 0 rg BT 538.02 677.10 Td ($270 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 662.70 Td (million ) Tj ET Q q 0 0 0 rg BT 87.03 662.70 Td (in ) Tj ET Q q 0 0 0 rg BT 98.72 662.70 Td (the ) Tj ET Q q 0 0 0 rg BT 115.74 662.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 141.42 662.70 Td (year) Tj ET Q q 0 0 0 rg BT 161.41 662.70 Td (. ) Tj ET Q q 0 0 0 rg BT 166.60 662.70 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 219.60 662.70 Td (net ) Tj ET Q q 0 0 0 rg BT 236.62 662.70 Td (char) Tj ET Q q 0 0 0 rg BT 257.05 662.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 282.15 662.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 293.18 662.70 Td (were ) Tj ET Q q 0 0 0 rg BT 318.85 662.70 Td ($17 ) Tj ET Q q 0 0 0 rg BT 339.21 662.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 379.23 662.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 428.90 662.70 Td (with ) Tj ET Q q 0 0 0 rg BT 452.59 662.70 Td ($26 ) Tj ET Q q 0 0 0 rg BT 472.95 662.70 Td (million ) Tj ET Q q 0 0 0 rg BT 509.98 662.70 Td (in ) Tj ET Q q 0 0 0 rg BT 521.67 662.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.69 662.70 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 648.30 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 648.30 Td (, ) Tj ET Q q 0 0 0 rg BT 76.17 648.30 Td (resulting ) Tj ET Q q 0 0 0 rg BT 121.16 648.30 Td (in ) Tj ET Q q 0 0 0 rg BT 133.50 648.30 Td (net ) Tj ET Q q 0 0 0 rg BT 151.16 648.30 Td (char) Tj ET Q q 0 0 0 rg BT 171.59 648.30 Td (ge-rates ) Tj ET Q q 0 0 0 rg BT 212.56 648.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 225.56 648.30 Td (0.02) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 246.56 648.30 Td (% ) Tj ET Q q 0 0 0 rg BT 259.55 648.30 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 279.88 648.30 Td (0.03) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 300.88 648.30 Td (%, ) Tj ET Q q 0 0 0 rg BT 316.88 648.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 374.07 648.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 627.90 Td (The ) Tj ET Q q 0 0 0 rg BT 71.44 627.90 Td (Firm? Tj ET Q q 0 0 0 rg BT 98.11 627.90 Td (s ) Tj ET Q q 0 0 0 rg BT 105.57 627.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 157.00 627.90 Td (for ) Tj ET Q q 0 0 0 rg BT 173.77 627.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 197.22 627.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 228.68 627.90 Td (to ) Tj ET Q q 0 0 0 rg BT 240.80 627.90 Td (period-end ) Tj ET Q q 0 0 0 rg BT 295.56 627.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 323.68 627.90 Td (retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 362.32 633.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 366.22 627.90 Td ( ) Tj ET Q q 0 0 0 rg BT 369.00 627.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 390.45 627.90 Td (1.63) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 411.45 627.90 Td (%, ) Tj ET Q q 0 0 0 rg BT 427.24 627.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 477.33 627.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 501.45 627.90 Td (1.89) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 522.45 627.90 Td (% ) Tj ET Q q 0 0 0 rg BT 535.23 627.90 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 627.90 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 613.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 75.75 613.50 Td (year) Tj ET Q q 0 0 0 rg BT 95.74 613.50 Td (. ) Tj ET Q q 0 0 0 rg BT 100.99 613.50 Td (The ) Tj ET Q q 0 0 0 rg BT 122.08 613.50 Td (Firm? Tj ET Q q 0 0 0 rg BT 148.75 613.50 Td (s ) Tj ET Q q 0 0 0 rg BT 155.85 613.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 206.92 613.50 Td (for ) Tj ET Q q 0 0 0 rg BT 223.34 613.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 246.43 613.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 277.53 613.50 Td (to ) Tj ET Q q 0 0 0 rg BT 289.29 613.50 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 363.70 613.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 391.46 613.50 Td (retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 430.10 618.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 434.00 613.50 Td ( ) Tj ET Q q 0 0 0 rg BT 436.43 613.50 Td (was ) Tj ET Q q 0 0 0 rg BT 457.52 613.50 Td (155%, ) Tj ET Q q 0 0 0 rg BT 490.94 613.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.68 613.50 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 599.10 Td (140% ) Tj ET Q q 0 0 0 rg BT 81.37 599.10 Td (in ) Tj ET Q q 0 0 0 rg BT 94.08 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.12 599.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 138.82 599.10 Td (year) Tj ET Q q 0 0 0 rg BT 158.81 599.10 Td (. ) Tj ET Q q 0 0 0 rg BT 164.94 599.10 Td (The ) Tj ET Q q 0 0 0 rg BT 186.97 599.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 213.65 599.10 Td (s ) Tj ET Q q 0 0 0 rg BT 221.69 599.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 297.05 599.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 328.42 599.10 Td (totaled ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 364.45 599.10 Td ($8.4 ) Tj ET Q q 0 0 0 rg BT 388.83 599.10 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 420.17 599.10 Td (, ) Tj ET Q q 0 0 0 rg BT 426.54 599.10 Td (down ) Tj ET Q q 0 0 0 rg BT 456.59 599.10 Td (from ) Tj ET Q q 0 0 0 rg BT 483.29 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.32 599.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 528.03 599.10 Td (quarter ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 584.70 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 584.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 96.65 584.70 Td (year ) Tj ET Q q 0 0 0 rg BT 120.30 584.70 Td (levels ) Tj ET Q q 0 0 0 rg BT 151.29 584.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 164.29 584.70 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 188.29 584.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 219.62 584.70 Td ( ) Tj ET Q q 0 0 0 rg BT 222.62 584.70 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 242.95 584.70 Td ($10.4 ) Tj ET Q q 0 0 0 rg BT 272.95 584.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 304.29 584.70 Td (, ) Tj ET Q q 0 0 0 rg BT 310.29 584.70 Td (respectively) Tj ET Q q 0 0 0 rg BT 367.48 584.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 564.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.98 564.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.63 564.30 Td (was ) Tj ET Q q 0 0 0 rg BT 172.28 564.30 Td ($15.8 ) Tj ET Q q 0 0 0 rg BT 202.28 564.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 239.61 564.30 Td (down ) Tj ET Q q 0 0 0 rg BT 269.27 564.30 Td ($7.8 ) Tj ET Q q 0 0 0 rg BT 293.27 564.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 330.60 564.30 Td (or ) Tj ET Q q 0 0 0 rg BT 343.59 564.30 Td (33%, ) Tj ET Q q 0 0 0 rg BT 371.58 564.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 421.89 564.30 Td (with ) Tj ET Q q 0 0 0 rg BT 446.22 564.30 Td (the ) Tj ET Q q 0 0 0 rg BT 463.87 564.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.19 564.30 Td (year) Tj ET Q q 0 0 0 rg BT 510.36 564.30 Td (, ) Tj ET Q q 0 0 0 rg BT 516.36 564.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.01 564.30 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 549.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.79 549.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 107.58 549.90 Td (expense. ) Tj ET Q q 0 0 0 rg BT 152.45 549.90 Td (The ) Tj ET Q q 0 0 0 rg BT 174.57 549.90 Td (current ) Tj ET Q q 0 0 0 rg BT 212.02 549.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 249.47 549.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 306.26 549.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 348.37 549.90 Td (included ) Tj ET Q q 0 0 0 rg BT 393.16 549.90 Td (approximately ) Tj ET Q q 0 0 0 rg BT 465.94 549.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 490.41 549.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 525.21 549.90 Td (of ) Tj ET Q q 0 0 0 rg BT 538.68 549.90 Td (legal ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 535.50 Td (expense, ) Tj ET Q q 0 0 0 rg BT 94.65 535.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 144.96 535.50 Td (with ) Tj ET Q q 0 0 0 rg BT 169.29 535.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 241.60 535.50 Td ($9.3 ) Tj ET Q q 0 0 0 rg BT 265.60 535.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 299.94 535.50 Td (of ) Tj ET Q q 0 0 0 rg BT 312.93 535.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 339.25 535.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 380.90 535.50 Td (in ) Tj ET Q q 0 0 0 rg BT 393.24 535.50 Td (the ) Tj ET Q q 0 0 0 rg BT 410.90 535.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 437.22 535.50 Td (year) Tj ET Q q 0 0 0 rg BT 457.21 535.50 Td (.) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (Notes ) Tj ET Q q 0 0 0 rg BT 79.02 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 93.39 741.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 145.34 741.60 Td ( ) Tj ET Q q 0 0 0 rg BT 148.09 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 191.79 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 226.42 741.60 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (In ) Tj ET Q q 0 0 0 rg BT 79.09 717.60 Td (addition ) Tj ET Q q 0 0 0 rg BT 114.62 717.60 Td (to ) Tj ET Q q 0 0 0 rg BT 125.16 717.60 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 166.79 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 181.77 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 209.67 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 238.54 717.60 Td (on ) Tj ET Q q 0 0 0 rg BT 251.30 717.60 Td (a ) Tj ET Q q 0 0 0 rg BT 258.50 717.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 294.58 717.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 319.84 717.60 Td (management ) Tj ET Q q 0 0 0 rg BT 373.69 717.60 Td (reviews ) Tj ET Q q 0 0 0 rg BT 407.55 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 422.52 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 450.42 717.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 503.73 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 532.60 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 717.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (results ) Tj ET Q q 0 0 0 rg BT 97.54 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 109.30 705.60 Td (the ) Tj ET Q q 0 0 0 rg BT 124.94 705.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 147.26 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 159.02 705.60 Td (business ) Tj ET Q q 0 0 0 rg BT 196.34 705.60 Td (on ) Tj ET Q q 0 0 0 rg BT 209.77 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 217.64 705.60 Td (managed?) Tj ET Q q 0 0 0 rg BT 266.04 705.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 291.96 705.60 Td (which ) Tj ET Q q 0 0 0 rg BT 319.83 705.60 Td (is ) Tj ET Q q 0 0 0 rg BT 329.93 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 337.80 705.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 382.98 705.60 Td ( ) Tj ET Q q 0 0 0 rg BT 386.41 705.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 424.82 705.60 Td (measure. ) Tj ET Q q 0 0 0 rg BT 463.82 705.60 Td (The ) Tj ET Q q 0 0 0 rg BT 482.80 705.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 511.37 705.60 Td (definition ) Tj ET Q q 0 0 0 rg BT 553.68 705.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 693.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 106.49 693.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 128.89 693.60 Td (starts ) Tj ET Q q 0 0 0 rg BT 152.40 693.60 Td (with ) Tj ET Q q 0 0 0 rg BT 172.58 693.60 Td (the ) Tj ET Q q 0 0 0 rg BT 187.20 693.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 222.91 693.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 243.10 693.60 Td (GAAP) Tj ET Q q 0 0 0 rg BT 269.95 693.60 Td ( ) Tj ET Q q 0 0 0 rg BT 272.35 693.60 Td (results ) Tj ET Q q 0 0 0 rg BT 300.86 693.60 Td (and ) Tj ET Q q 0 0 0 rg BT 317.70 693.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 353.42 693.60 Td (certain ) Tj ET Q q 0 0 0 rg BT 383.02 693.60 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 449.84 693.60 Td (to ) Tj ET Q q 0 0 0 rg BT 460.02 693.60 Td (present ) Tj ET Q q 0 0 0 rg BT 491.30 693.60 Td (total ) Tj ET Q q 0 0 0 rg BT 511.47 693.60 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (net ) Tj ET Q q 0 0 0 rg BT 82.99 681.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 117.40 681.60 Td (for ) Tj ET Q q 0 0 0 rg BT 131.84 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 146.82 681.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 169.04 681.60 Td (\(and ) Tj ET Q q 0 0 0 rg BT 189.58 681.60 Td (for ) Tj ET Q q 0 0 0 rg BT 204.01 681.60 Td (each ) Tj ET Q q 0 0 0 rg BT 225.10 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 236.20 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 251.19 681.60 Td (business ) Tj ET Q q 0 0 0 rg BT 287.85 681.60 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 331.17 681.60 Td (on ) Tj ET Q q 0 0 0 rg BT 343.94 681.60 Td (a ) Tj ET Q q 0 0 0 rg BT 351.15 681.60 Td (fully ) Tj ET Q q 0 0 0 rg BT 372.81 681.60 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 449.43 681.60 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 485.52 681.60 Td (basis. ) Tj ET Q q 0 0 0 rg BT 510.18 681.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 559.51 681.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 102.62 669.60 Td (from ) Tj ET Q q 0 0 0 rg BT 125.04 669.60 Td (investments ) Tj ET Q q 0 0 0 rg BT 175.79 669.60 Td (that ) Tj ET Q q 0 0 0 rg BT 193.77 669.60 Td (receive ) Tj ET Q q 0 0 0 rg BT 225.61 669.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 240.80 669.60 Td (credits ) Tj ET Q q 0 0 0 rg BT 270.44 669.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.85 669.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 335.81 669.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 376.55 669.60 Td (is ) Tj ET Q q 0 0 0 rg BT 386.20 669.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 427.50 669.60 Td (in ) Tj ET Q q 0 0 0 rg BT 438.25 669.60 Td (the ) Tj ET Q q 0 0 0 rg BT 453.45 669.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 492.52 669.60 Td (results ) Tj ET Q q 0 0 0 rg BT 521.61 669.60 Td (on ) Tj ET Q q 0 0 0 rg BT 534.59 669.60 Td (a ) Tj ET Q q 0 0 0 rg BT 542.00 669.60 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 657.60 Td (comparable ) Tj ET Q q 0 0 0 rg BT 118.61 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 130.37 657.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 163.21 657.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 204.95 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 223.36 657.60 Td (investments. ) Tj ET Q q 0 0 0 rg BT 277.32 657.60 Td (This ) Tj ET Q q 0 0 0 rg BT 299.07 657.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 344.26 657.60 Td ( ) Tj ET Q q 0 0 0 rg BT 348.23 657.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 387.18 657.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 424.47 657.60 Td (allows ) Tj ET Q q 0 0 0 rg BT 454.55 657.60 Td (management ) Tj ET Q q 0 0 0 rg BT 509.61 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 521.37 657.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 549.78 657.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (comparability ) Tj ET Q q 0 0 0 rg BT 125.84 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 136.47 645.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 170.42 645.60 Td (arising ) Tj ET Q q 0 0 0 rg BT 199.94 645.60 Td (from ) Tj ET Q q 0 0 0 rg BT 221.69 645.60 Td (both ) Tj ET Q q 0 0 0 rg BT 241.77 645.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 272.94 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.69 645.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 336.97 645.60 Td (sources. ) Tj ET Q q 0 0 0 rg BT 371.60 645.60 Td (The ) Tj ET Q q 0 0 0 rg BT 389.45 645.60 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 448.96 645.60 Td (income ) Tj ET Q q 0 0 0 rg BT 480.70 645.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.22 645.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 524.73 645.60 Td (related ) Tj ET Q q 0 0 0 rg BT 554.24 645.60 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.79 633.60 Td (items ) Tj ET Q q 0 0 0 rg BT 138.27 633.60 Td (is ) Tj ET Q q 0 0 0 rg BT 146.75 633.60 Td (recorded ) Tj ET Q q 0 0 0 rg BT 183.54 633.60 Td (within ) Tj ET Q q 0 0 0 rg BT 210.91 633.60 Td (income ) Tj ET Q q 0 0 0 rg BT 242.16 633.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 256.19 633.60 Td (expense. ) Tj ET Q q 0 0 0 rg BT 292.58 633.60 Td (These ) Tj ET Q q 0 0 0 rg BT 318.27 633.60 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 367.85 633.60 Td (have ) Tj ET Q q 0 0 0 rg BT 388.54 633.60 Td (no ) Tj ET Q q 0 0 0 rg BT 400.36 633.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 429.38 633.60 Td (on ) Tj ET Q q 0 0 0 rg BT 441.19 633.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 493.55 633.60 Td (net ) Tj ET Q q 0 0 0 rg BT 507.58 633.60 Td (income/\(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 621.60 Td (as ) Tj ET Q q 0 0 0 rg BT 78.83 621.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 114.65 621.60 Td (by ) Tj ET Q q 0 0 0 rg BT 127.15 621.60 Td (the ) Tj ET Q q 0 0 0 rg BT 141.86 621.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.81 621.60 Td (or ) Tj ET Q q 0 0 0 rg BT 174.64 621.60 Td (on ) Tj ET Q q 0 0 0 rg BT 187.14 621.60 Td (net ) Tj ET Q q 0 0 0 rg BT 201.86 621.60 Td (income/\(loss\) ) Tj ET Q q 0 0 0 rg BT 258.79 621.60 Td (as ) Tj ET Q q 0 0 0 rg BT 269.62 621.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 305.44 621.60 Td (by ) Tj ET Q q 0 0 0 rg BT 317.94 621.60 Td (the ) Tj ET Q q 0 0 0 rg BT 332.65 621.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 354.04 621.60 Td (of ) Tj ET Q q 0 0 0 rg BT 364.87 621.60 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 597.60 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 597.60 Td (The ) Tj ET Q q 0 0 0 rg BT 86.50 597.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 107.78 597.60 Td (of ) Tj ET Q q 0 0 0 rg BT 119.06 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 134.24 597.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 177.72 597.60 Td (for ) Tj ET Q q 0 0 0 rg BT 192.34 597.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 212.51 597.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 239.35 597.60 Td (to ) Tj ET Q q 0 0 0 rg BT 250.08 597.60 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 308.01 597.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 332.08 597.60 Td (retained, ) Tj ET Q q 0 0 0 rg BT 369.73 597.60 Td (and ) Tj ET Q q 0 0 0 rg BT 387.13 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 402.30 597.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 445.78 597.60 Td (for ) Tj ET Q q 0 0 0 rg BT 460.40 597.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 480.57 597.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 507.41 597.60 Td (to ) Tj ET Q q 0 0 0 rg BT 518.15 597.60 Td (nonaccrual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 585.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 92.16 585.60 Td (retained, ) Tj ET Q q 0 0 0 rg BT 129.92 585.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 164.06 585.60 Td (the ) Tj ET Q q 0 0 0 rg BT 179.33 585.60 Td (following: ) Tj ET Q q 0 0 0 rg BT 224.05 585.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 248.21 585.60 Td (accounted ) Tj ET Q q 0 0 0 rg BT 291.80 585.60 Td (for ) Tj ET Q q 0 0 0 rg BT 306.51 585.60 Td (at ) Tj ET Q q 0 0 0 rg BT 316.78 585.60 Td (fair ) Tj ET Q q 0 0 0 rg BT 333.71 585.60 Td (value ) Tj ET Q q 0 0 0 rg BT 358.42 585.60 Td (and ) Tj ET Q q 0 0 0 rg BT 375.91 585.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 400.07 585.60 Td (held-for) Tj ET Q q 0 0 0 rg BT 432.08 585.60 Td (-sale; ) Tj ET Q q 0 0 0 rg BT 456.79 585.60 Td (purchased ) Tj ET Q q 0 0 0 rg BT 500.38 585.60 Td (credit-impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 573.60 Td (\(PCI\) ) Tj ET Q q 0 0 0 rg BT 101.82 573.60 Td (loans; ) Tj ET Q q 0 0 0 rg BT 128.42 573.60 Td (and ) Tj ET Q q 0 0 0 rg BT 145.58 573.60 Td (the ) Tj ET Q q 0 0 0 rg BT 160.51 573.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 203.76 573.60 Td (for ) Tj ET Q q 0 0 0 rg BT 218.14 573.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 238.07 573.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 264.68 573.60 Td (related ) Tj ET Q q 0 0 0 rg BT 294.60 573.60 Td (to ) Tj ET Q q 0 0 0 rg BT 305.09 573.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 323.37 573.60 Td (loans. ) Tj ET Q q 0 0 0 rg BT 349.10 573.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 399.00 573.60 Td (, ) Tj ET Q q 0 0 0 rg BT 404.22 573.60 Td (net ) Tj ET Q q 0 0 0 rg BT 419.15 573.60 Td (char) Tj ET Q q 0 0 0 rg BT 436.18 573.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 457.10 573.60 Td (fs ) Tj ET Q q 0 0 0 rg BT 467.04 573.60 Td (and ) Tj ET Q q 0 0 0 rg BT 484.19 573.60 Td (net ) Tj ET Q q 0 0 0 rg BT 499.13 573.60 Td (char) Tj ET Q q 0 0 0 rg BT 516.15 573.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 537.07 573.60 Td (f ) Tj ET Q q 0 0 0 rg BT 543.12 573.60 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 561.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 101.59 561.60 Td (the ) Tj ET Q q 0 0 0 rg BT 116.31 561.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 146.02 561.60 Td (of ) Tj ET Q q 0 0 0 rg BT 156.85 561.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 174.91 561.60 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 537.60 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 537.60 Td (T) Tj ET Q q 0 0 0 rg BT 73.41 537.60 Td (angible ) Tj ET Q q 0 0 0 rg BT 104.55 537.60 Td (common ) Tj ET Q q 0 0 0 rg BT 141.24 537.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 167.94 537.60 Td (\(TCE\) ) Tj ET Q q 0 0 0 rg BT 204.06 537.60 Td (and ) Tj ET Q q 0 0 0 rg BT 220.20 537.60 Td (return ) Tj ET Q q 0 0 0 rg BT 245.78 537.60 Td (on ) Tj ET Q q 0 0 0 rg BT 257.48 537.60 Td (tangible ) Tj ET Q q 0 0 0 rg BT 291.40 537.60 Td (common ) Tj ET Q q 0 0 0 rg BT 328.10 537.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 354.79 537.60 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 404.81 537.60 Td (are ) Tj ET Q q 0 0 0 rg BT 418.72 537.60 Td (each ) Tj ET Q q 0 0 0 rg BT 438.73 537.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 483.92 537.60 Td ( ) Tj ET Q q 0 0 0 rg BT 485.62 537.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 522.30 537.60 Td (measures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (TCE ) Tj ET Q q 0 0 0 rg BT 89.72 525.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 133.10 525.60 Td (the ) Tj ET Q q 0 0 0 rg BT 148.15 525.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 170.38 525.60 Td (s ) Tj ET Q q 0 0 0 rg BT 177.10 525.60 Td (common ) Tj ET Q q 0 0 0 rg BT 214.93 525.60 Td (stockholders? Tj ET Q q 0 0 0 rg BT 268.07 525.60 Td ( ) Tj ET Q q 0 0 0 rg BT 270.90 525.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 298.74 525.60 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 319.62 525.60 Td (total ) Tj ET Q q 0 0 0 rg BT 340.23 525.60 Td (stockholders? Tj ET Q q 0 0 0 rg BT 393.36 525.60 Td ( ) Tj ET Q q 0 0 0 rg BT 396.20 525.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 424.03 525.60 Td (less ) Tj ET Q q 0 0 0 rg BT 441.87 525.60 Td (preferred ) Tj ET Q q 0 0 0 rg BT 481.34 525.60 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 508.61 525.60 Td (less ) Tj ET Q q 0 0 0 rg BT 526.45 525.60 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (and ) Tj ET Q q 0 0 0 rg BT 86.03 513.60 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 135.16 513.60 Td (intangible ) Tj ET Q q 0 0 0 rg BT 178.74 513.60 Td (assets ) Tj ET Q q 0 0 0 rg BT 205.66 513.60 Td (\(other ) Tj ET Q q 0 0 0 rg BT 233.13 513.60 Td (than ) Tj ET Q q 0 0 0 rg BT 253.94 513.60 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 288.37 513.60 Td (net ) Tj ET Q q 0 0 0 rg BT 304.18 513.60 Td (of ) Tj ET Q q 0 0 0 rg BT 316.10 513.60 Td (related ) Tj ET Q q 0 0 0 rg BT 346.90 513.60 Td (deferred ) Tj ET Q q 0 0 0 rg BT 383.79 513.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 399.60 513.60 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 442.91 513.60 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 479.28 513.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 520.08 513.60 Td (the ) Tj ET Q q 0 0 0 rg BT 535.89 513.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 558.11 513.60 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 501.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 103.94 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 114.33 501.60 Td (a ) Tj ET Q q 0 0 0 rg BT 120.83 501.60 Td (percentage ) Tj ET Q q 0 0 0 rg BT 166.20 501.60 Td (of ) Tj ET Q q 0 0 0 rg BT 176.59 501.60 Td (average ) Tj ET Q q 0 0 0 rg BT 209.59 501.60 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 232.89 501.60 Td (TCE ) Tj ET Q q 0 0 0 rg BT 253.84 501.60 Td (and ) Tj ET Q q 0 0 0 rg BT 270.34 501.60 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 305.18 501.60 Td (are ) Tj ET Q q 0 0 0 rg BT 319.45 501.60 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 367.06 501.60 Td (to ) Tj ET Q q 0 0 0 rg BT 376.90 501.60 Td (management, ) Tj ET Q q 0 0 0 rg BT 432.55 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 442.94 501.60 Td (well ) Tj ET Q q 0 0 0 rg BT 462.22 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 472.62 501.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 506.90 501.60 Td (and ) Tj ET Q q 0 0 0 rg BT 523.40 501.60 Td (investors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (in ) Tj ET Q q 0 0 0 rg BT 78.28 489.60 Td (assessing ) Tj ET Q q 0 0 0 rg BT 118.00 489.60 Td (the ) Tj ET Q q 0 0 0 rg BT 132.72 489.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 154.94 489.60 Td (s ) Tj ET Q q 0 0 0 rg BT 161.33 489.60 Td (use ) Tj ET Q q 0 0 0 rg BT 177.17 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 188.00 489.60 Td (equity) Tj ET Q q 0 0 0 rg BT 212.34 489.60 Td (, ) Tj ET Q q 0 0 0 rg BT 217.34 489.60 Td (as ) Tj ET Q q 0 0 0 rg BT 228.17 489.60 Td (well ) Tj ET Q q 0 0 0 rg BT 247.89 489.60 Td (as ) Tj ET Q q 0 0 0 rg BT 258.72 489.60 Td (facilitating ) Tj ET Q q 0 0 0 rg BT 304.53 489.60 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 357.58 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 368.41 489.60 Td (the ) Tj ET Q q 0 0 0 rg BT 383.13 489.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 405.08 489.60 Td (with ) Tj ET Q q 0 0 0 rg BT 425.35 489.60 Td (competitors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 465.60 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 465.60 Td (Common ) Tj ET Q q 0 0 0 rg BT 108.24 465.60 Td (Equity ) Tj ET Q q 0 0 0 rg BT 137.71 465.60 Td (T) Tj ET Q q 0 0 0 rg BT 143.46 465.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 157.03 465.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 165.04 465.60 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 207.48 465.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 237.15 465.60 Td (and ) Tj ET Q q 0 0 0 rg BT 254.61 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 269.84 465.60 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 296.74 465.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 318.08 465.60 Td (under ) Tj ET Q q 0 0 0 rg BT 343.87 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 359.10 465.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 384.34 465.60 Td (III ) Tj ET Q q 0 0 0 rg BT 396.68 465.60 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 440.23 465.60 Td (Fully ) Tj ET Q q 0 0 0 rg BT 464.37 465.60 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 507.37 465.60 Td (rules, ) Tj ET Q q 0 0 0 rg BT 532.33 465.60 Td (and ) Tj ET Q q 0 0 0 rg BT 549.78 465.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 128.76 453.60 Td (leverage ) Tj ET Q q 0 0 0 rg BT 164.52 453.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 184.73 453.60 Td (\(SLR\) ) Tj ET Q q 0 0 0 rg BT 220.50 453.60 Td (under ) Tj ET Q q 0 0 0 rg BT 245.16 453.60 Td (the ) Tj ET Q q 0 0 0 rg BT 259.27 453.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 278.94 453.60 Td (final ) Tj ET Q q 0 0 0 rg BT 299.16 453.60 Td (SLR ) Tj ET Q q 0 0 0 rg BT 319.39 453.60 Td (rule, ) Tj ET Q q 0 0 0 rg BT 339.33 453.60 Td (are ) Tj ET Q q 0 0 0 rg BT 353.43 453.60 Td (each ) Tj ET Q q 0 0 0 rg BT 373.63 453.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 418.82 453.60 Td ( ) Tj ET Q q 0 0 0 rg BT 420.71 453.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 457.58 453.60 Td (measures. ) Tj ET Q q 0 0 0 rg BT 499.04 453.60 Td (These ) Tj ET Q q 0 0 0 rg BT 524.81 453.60 Td (measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 441.60 Td (are ) Tj ET Q q 0 0 0 rg BT 81.50 441.60 Td (used ) Tj ET Q q 0 0 0 rg BT 101.12 441.60 Td (by ) Tj ET Q q 0 0 0 rg BT 112.42 441.60 Td (management, ) Tj ET Q q 0 0 0 rg BT 167.30 441.60 Td (bank ) Tj ET Q q 0 0 0 rg BT 188.03 441.60 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 231.81 441.60 Td (investors ) Tj ET Q q 0 0 0 rg BT 269.21 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 284.94 441.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 318.45 441.60 Td (to ) Tj ET Q q 0 0 0 rg BT 327.52 441.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 353.26 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 368.99 441.60 Td (monitor ) Tj ET Q q 0 0 0 rg BT 401.95 441.60 Td (the ) Tj ET Q q 0 0 0 rg BT 415.46 441.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 437.68 441.60 Td (s ) Tj ET Q q 0 0 0 rg BT 442.87 441.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 470.81 441.60 Td (position. ) Tj ET Q q 0 0 0 rg BT 506.83 441.60 Td (For ) Tj ET Q q 0 0 0 rg BT 522.02 441.60 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (information ) Tj ET Q q 0 0 0 rg BT 117.23 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 129.25 429.60 Td (these ) Tj ET Q q 0 0 0 rg BT 151.82 429.60 Td (measures, ) Tj ET Q q 0 0 0 rg BT 193.55 429.60 Td (see ) Tj ET Q q 0 0 0 rg BT 208.34 429.60 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 254.80 429.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 283.47 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 295.49 429.60 Td (pages ) Tj ET Q q 0 0 0 rg BT 320.28 429.60 Td (161-165 ) Tj ET Q q 0 0 0 rg BT 355.63 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 365.98 429.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 392.48 429.60 Td (gan ) Tj ET Q q 0 0 0 rg BT 408.94 429.60 Td (Chase ) Tj ET Q q 0 0 0 rg BT 435.40 429.60 Td (& ) Tj ET Q q 0 0 0 rg BT 445.20 429.60 Td (Co.? Tj ET Q q 0 0 0 rg BT 462.15 429.60 Td (s ) Tj ET Q q 0 0 0 rg BT 467.61 429.60 Td (Annual ) Tj ET Q q 0 0 0 rg BT 499.07 429.60 Td (Report ) Tj ET Q q 0 0 0 rg BT 528.31 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 540.33 429.60 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (10-K ) Tj ET Q q 0 0 0 rg BT 90.61 417.60 Td (for ) Tj ET Q q 0 0 0 rg BT 104.33 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 118.60 417.60 Td (year ) Tj ET Q q 0 0 0 rg BT 137.86 417.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 163.80 417.60 Td (December ) Tj ET Q q 0 0 0 rg BT 206.94 417.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 221.50 417.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 246.05 417.60 Td (and ) Tj ET Q q 0 0 0 rg BT 262.55 417.60 Td (on ) Tj ET Q q 0 0 0 rg BT 274.61 417.60 Td (pages ) Tj ET Q q 0 0 0 rg BT 299.43 417.60 Td (74-78 ) Tj ET Q q 0 0 0 rg BT 324.82 417.60 Td (of ) Tj ET Q q 0 0 0 rg BT 335.21 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 349.48 417.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 371.71 417.60 Td (s ) Tj ET Q q 0 0 0 rg BT 377.66 417.60 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 418.03 417.60 Td (Report ) Tj ET Q q 0 0 0 rg BT 447.30 417.60 Td (on ) Tj ET Q q 0 0 0 rg BT 459.36 417.60 Td (Form ) Tj ET Q q 0 0 0 rg BT 483.09 417.60 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 505.70 417.60 Td (for ) Tj ET Q q 0 0 0 rg BT 519.41 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 533.69 417.60 Td (quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 94.38 405.60 Td (June ) Tj ET Q q 0 0 0 rg BT 115.21 405.60 Td (30, ) Tj ET Q q 0 0 0 rg BT 130.21 405.60 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.20 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 379.20 Td (The ) Tj ET Q q 0 0 0 rg BT 87.56 379.20 Td (CIB ) Tj ET Q q 0 0 0 rg BT 108.24 379.20 Td (provides ) Tj ET Q q 0 0 0 rg BT 146.70 379.20 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 191.88 379.20 Td ( ) Tj ET Q q 0 0 0 rg BT 195.90 379.20 Td (financial ) Tj ET Q q 0 0 0 rg BT 234.89 379.20 Td (measures, ) Tj ET Q q 0 0 0 rg BT 278.61 379.20 Td (as ) Tj ET Q q 0 0 0 rg BT 290.95 379.20 Td (such ) Tj ET Q q 0 0 0 rg BT 313.30 379.20 Td (measures ) Tj ET Q q 0 0 0 rg BT 354.52 379.20 Td (are ) Tj ET Q q 0 0 0 rg BT 370.74 379.20 Td (used ) Tj ET Q q 0 0 0 rg BT 393.08 379.20 Td (by ) Tj ET Q q 0 0 0 rg BT 407.10 379.20 Td (management ) Tj ET Q q 0 0 0 rg BT 462.20 379.20 Td (to ) Tj ET Q q 0 0 0 rg BT 473.99 379.20 Td (assess ) Tj ET Q q 0 0 0 rg BT 502.45 379.20 Td (the ) Tj ET Q q 0 0 0 rg BT 518.68 379.20 Td (underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 367.20 Td (performance ) Tj ET Q q 0 0 0 rg BT 121.02 367.20 Td (of ) Tj ET Q q 0 0 0 rg BT 131.85 367.20 Td (the ) Tj ET Q q 0 0 0 rg BT 146.57 367.20 Td (business ) Tj ET Q q 0 0 0 rg BT 182.96 367.20 Td (and ) Tj ET Q q 0 0 0 rg BT 199.90 367.20 Td (for ) Tj ET Q q 0 0 0 rg BT 214.06 367.20 Td (comparability ) Tj ET Q q 0 0 0 rg BT 272.10 367.20 Td (with ) Tj ET Q q 0 0 0 rg BT 292.38 367.20 Td (peers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 355.20 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 355.20 Td (The ) Tj ET Q q 0 0 0 rg BT 123.94 355.20 Td (ratio ) Tj ET Q q 0 0 0 rg BT 146.67 355.20 Td (of ) Tj ET Q q 0 0 0 rg BT 159.39 355.20 Td (the ) Tj ET Q q 0 0 0 rg BT 176.01 355.20 Td (allowance ) Tj ET Q q 0 0 0 rg BT 220.94 355.20 Td (for ) Tj ET Q q 0 0 0 rg BT 236.99 355.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 258.61 355.20 Td (losses ) Tj ET Q q 0 0 0 rg BT 286.90 355.20 Td (to ) Tj ET Q q 0 0 0 rg BT 299.07 355.20 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 358.44 355.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 383.95 355.20 Td (excludes ) Tj ET Q q 0 0 0 rg BT 423.33 355.20 Td (the ) Tj ET Q q 0 0 0 rg BT 439.94 355.20 Td (impact ) Tj ET Q q 0 0 0 rg BT 471.55 355.20 Td (of ) Tj ET Q q 0 0 0 rg BT 484.28 355.20 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 539.22 355.20 Td (Firm-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 343.20 Td (administered ) Tj ET Q q 0 0 0 rg BT 159.50 343.20 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 209.46 343.20 Td (conduits ) Tj ET Q q 0 0 0 rg BT 247.20 343.20 Td (and ) Tj ET Q q 0 0 0 rg BT 265.49 343.20 Td (trade ) Tj ET Q q 0 0 0 rg BT 289.33 343.20 Td (finance ) Tj ET Q q 0 0 0 rg BT 322.60 343.20 Td (loans, ) Tj ET Q q 0 0 0 rg BT 350.07 343.20 Td (to ) Tj ET Q q 0 0 0 rg BT 361.70 343.20 Td (provide ) Tj ET Q q 0 0 0 rg BT 396.10 343.20 Td (a ) Tj ET Q q 0 0 0 rg BT 404.39 343.20 Td (more ) Tj ET Q q 0 0 0 rg BT 428.79 343.20 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 478.19 343.20 Td (assessment ) Tj ET Q q 0 0 0 rg BT 526.48 343.20 Td (of ) Tj ET Q q 0 0 0 rg BT 538.66 343.20 Td (CIB? Tj ET Q q 0 0 0 rg BT 558.11 343.20 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 331.20 Td (allowance ) Tj ET Q q 0 0 0 rg BT 147.03 331.20 Td (coverage ) Tj ET Q q 0 0 0 rg BT 185.62 331.20 Td (ratio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 315.20 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 315.20 Td (Prior ) Tj ET Q q 0 0 0 rg BT 126.74 315.20 Td (to ) Tj ET Q q 0 0 0 rg BT 137.26 315.20 Td (January ) Tj ET Q q 0 0 0 rg BT 171.10 315.20 Td (1, ) Tj ET Q q 0 0 0 rg BT 181.34 315.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 206.58 315.20 Td (the ) Tj ET Q q 0 0 0 rg BT 221.54 315.20 Td (CIB ) Tj ET Q q 0 0 0 rg BT 240.95 315.20 Td (provided ) Tj ET Q q 0 0 0 rg BT 279.24 315.20 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 324.42 315.20 Td ( ) Tj ET Q q 0 0 0 rg BT 327.16 315.20 Td (financial ) Tj ET Q q 0 0 0 rg BT 364.88 315.20 Td (measures ) Tj ET Q q 0 0 0 rg BT 404.83 315.20 Td (excluding ) Tj ET Q q 0 0 0 rg BT 447.01 315.20 Td (the ) Tj ET Q q 0 0 0 rg BT 461.96 315.20 Td (impact ) Tj ET Q q 0 0 0 rg BT 491.92 315.20 Td (of ) Tj ET Q q 0 0 0 rg BT 502.99 315.20 Td (FV) Tj ET Q q 0 0 0 rg BT 514.48 315.20 Td (A) Tj ET Q q 0 0 0 rg BT 521.15 315.20 Td ( ) Tj ET Q q 0 0 0 rg BT 523.89 315.20 Td (\(ef) Tj ET Q q 0 0 0 rg BT 534.81 315.20 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 303.20 Td (fourth ) Tj ET Q q 0 0 0 rg BT 130.63 303.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 161.14 303.20 Td (2013\) ) Tj ET Q q 0 0 0 rg BT 186.66 303.20 Td (and ) Tj ET Q q 0 0 0 rg BT 203.29 303.20 Td (DV) Tj ET Q q 0 0 0 rg BT 216.45 303.20 Td (A) Tj ET Q q 0 0 0 rg BT 223.12 303.20 Td ( ) Tj ET Q q 0 0 0 rg BT 225.31 303.20 Td (on ) Tj ET Q q 0 0 0 rg BT 237.50 303.20 Td (net ) Tj ET Q q 0 0 0 rg BT 251.91 303.20 Td (revenue ) Tj ET Q q 0 0 0 rg BT 285.75 303.20 Td (and ) Tj ET Q q 0 0 0 rg BT 302.38 303.20 Td (net ) Tj ET Q q 0 0 0 rg BT 316.79 303.20 Td (income. ) Tj ET Q q 0 0 0 rg BT 350.91 303.20 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 394.77 303.20 Td (in ) Tj ET Q q 0 0 0 rg BT 404.74 303.20 Td (the ) Tj ET Q q 0 0 0 rg BT 419.15 303.20 Td (first ) Tj ET Q q 0 0 0 rg BT 437.45 303.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 467.96 303.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 492.65 303.20 Td (the ) Tj ET Q q 0 0 0 rg BT 507.06 303.20 Td (Firm ) Tj ET Q q 0 0 0 rg BT 528.70 303.20 Td (does ) Tj ET Q q 0 0 0 rg BT 549.22 303.20 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 291.20 Td (exclude ) Tj ET Q q 0 0 0 rg BT 137.71 291.20 Td (FV) Tj ET Q q 0 0 0 rg BT 149.21 291.20 Td (A) Tj ET Q q 0 0 0 rg BT 155.88 291.20 Td ( ) Tj ET Q q 0 0 0 rg BT 158.50 291.20 Td (and ) Tj ET Q q 0 0 0 rg BT 175.56 291.20 Td (DV) Tj ET Q q 0 0 0 rg BT 188.71 291.20 Td (A) Tj ET Q q 0 0 0 rg BT 195.38 291.20 Td ( ) Tj ET Q q 0 0 0 rg BT 198.00 291.20 Td (from ) Tj ET Q q 0 0 0 rg BT 220.06 291.20 Td (its ) Tj ET Q q 0 0 0 rg BT 232.13 291.20 Td (assessment ) Tj ET Q q 0 0 0 rg BT 279.18 291.20 Td (of ) Tj ET Q q 0 0 0 rg BT 290.13 291.20 Td (business ) Tj ET Q q 0 0 0 rg BT 326.64 291.20 Td (performance; ) Tj ET Q q 0 0 0 rg BT 382.56 291.20 Td (however) Tj ET Q q 0 0 0 rg BT 416.59 291.20 Td (, ) Tj ET Q q 0 0 0 rg BT 421.71 291.20 Td (the ) Tj ET Q q 0 0 0 rg BT 436.55 291.20 Td (Firm ) Tj ET Q q 0 0 0 rg BT 458.62 291.20 Td (continues ) Tj ET Q q 0 0 0 rg BT 499.56 291.20 Td (to ) Tj ET Q q 0 0 0 rg BT 509.96 291.20 Td (present ) Tj ET Q q 0 0 0 rg BT 541.46 291.20 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 279.20 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 149.19 279.20 Td ( ) Tj ET Q q 0 0 0 rg BT 152.88 279.20 Td (measures ) Tj ET Q q 0 0 0 rg BT 193.78 279.20 Td (for ) Tj ET Q q 0 0 0 rg BT 209.13 279.20 Td (the ) Tj ET Q q 0 0 0 rg BT 225.04 279.20 Td (periods ) Tj ET Q q 0 0 0 rg BT 258.17 279.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.29 279.20 Td (to ) Tj ET Q q 0 0 0 rg BT 292.76 279.20 Td (January ) Tj ET Q q 0 0 0 rg BT 327.55 279.20 Td (1, ) Tj ET Q q 0 0 0 rg BT 338.75 279.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 364.94 279.20 Td (as ) Tj ET Q q 0 0 0 rg BT 376.96 279.20 Td (they ) Tj ET Q q 0 0 0 rg BT 397.87 279.20 Td (reflected ) Tj ET Q q 0 0 0 rg BT 436.53 279.20 Td (how ) Tj ET Q q 0 0 0 rg BT 457.44 279.20 Td (management ) Tj ET Q q 0 0 0 rg BT 512.22 279.20 Td (assessed ) Tj ET Q q 0 0 0 rg BT 549.80 279.20 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 267.20 Td (underlying ) Tj ET Q q 0 0 0 rg BT 149.83 267.20 Td (business ) Tj ET Q q 0 0 0 rg BT 186.22 267.20 Td (performance ) Tj ET Q q 0 0 0 rg BT 239.24 267.20 Td (of ) Tj ET Q q 0 0 0 rg BT 250.07 267.20 Td (the ) Tj ET Q q 0 0 0 rg BT 264.79 267.20 Td (CIB ) Tj ET Q q 0 0 0 rg BT 283.96 267.20 Td (in ) Tj ET Q q 0 0 0 rg BT 294.23 267.20 Td (those ) Tj ET Q q 0 0 0 rg BT 317.84 267.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 339.78 267.20 Td (periods.) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (Additional ) Tj ET Q q 0 0 0 rg BT 102.88 741.60 Td (notes ) Tj ET Q q 0 0 0 rg BT 130.07 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 144.44 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.14 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 222.77 741.60 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (Core ) Tj ET Q q 0 0 0 rg BT 88.80 717.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 111.27 717.60 Td (include ) Tj ET Q q 0 0 0 rg BT 142.07 717.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 164.54 717.60 Td (considered ) Tj ET Q q 0 0 0 rg BT 209.22 717.60 Td (central ) Tj ET Q q 0 0 0 rg BT 237.78 717.60 Td (to ) Tj ET Q q 0 0 0 rg BT 246.92 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 260.50 717.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 282.73 717.60 Td (s ) Tj ET Q q 0 0 0 rg BT 287.98 717.60 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 322.12 717.60 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 368.48 717.60 Td (core ) Tj ET Q q 0 0 0 rg BT 387.05 717.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 409.52 717.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 441.98 717.60 Td (runof) Tj ET Q q 0 0 0 rg BT 463.46 717.60 Td (f ) Tj ET Q q 0 0 0 rg BT 468.15 717.60 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 510.90 717.60 Td (discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 109.39 705.60 Td (and ) Tj ET Q q 0 0 0 rg BT 126.33 705.60 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 167.71 705.60 Td (the ) Tj ET Q q 0 0 0 rg BT 182.43 705.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 204.38 705.60 Td (has ) Tj ET Q q 0 0 0 rg BT 220.21 705.60 Td (an ) Tj ET Q q 0 0 0 rg BT 232.15 705.60 Td (intent ) Tj ET Q q 0 0 0 rg BT 257.42 705.60 Td (to ) Tj ET Q q 0 0 0 rg BT 267.70 705.60 Td (exit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 681.60 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.99 681.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.43 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 129.20 681.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.41 681.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.40 681.60 Td (to ) Tj ET Q q 0 0 0 rg BT 202.62 681.60 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.17 681.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.15 681.60 Td (new ) Tj ET Q q 0 0 0 rg BT 293.26 681.60 Td (and ) Tj ET Q q 0 0 0 rg BT 310.14 681.60 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.45 681.60 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.16 681.60 Td (including ) Tj ET Q q 0 0 0 rg BT 414.37 681.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.93 681.60 Td (and ) Tj ET Q q 0 0 0 rg BT 454.81 681.60 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.01 681.60 Td (The ) Tj ET Q q 0 0 0 rg BT 532.01 681.60 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (of ) Tj ET Q q 0 0 0 rg BT 78.35 669.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 103.13 669.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.70 669.60 Td (to ) Tj ET Q q 0 0 0 rg BT 150.50 669.60 Td (small ) Tj ET Q q 0 0 0 rg BT 174.18 669.60 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.42 669.60 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.86 669.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.99 669.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.45 669.60 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.22 669.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.13 669.60 Td (of ) Tj ET Q q 0 0 0 rg BT 360.48 669.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.26 669.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 422.82 669.60 Td (by ) Tj ET Q q 0 0 0 rg BT 434.84 669.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 477.97 669.60 Td (& ) Tj ET Q q 0 0 0 rg BT 487.77 669.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.35 669.60 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 657.60 Td (Card, ) Tj ET Q q 0 0 0 rg BT 93.10 657.60 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 134.58 657.60 Td (Services ) Tj ET Q q 0 0 0 rg BT 171.62 657.60 Td (& ) Tj ET Q q 0 0 0 rg BT 181.86 657.60 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 207.80 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 225.41 657.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 278.00 657.60 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 317.32 657.60 Td (The ) Tj ET Q q 0 0 0 rg BT 336.03 657.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 369.19 657.60 Td (of ) Tj ET Q q 0 0 0 rg BT 380.68 657.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.61 657.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 445.32 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 456.26 657.60 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 496.64 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 514.24 657.60 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (entities, ) Tj ET Q q 0 0 0 rg BT 102.02 645.60 Td (including ) Tj ET Q q 0 0 0 rg BT 142.42 645.60 Td (states, ) Tj ET Q q 0 0 0 rg BT 169.77 645.60 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 231.56 645.60 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 269.76 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 286.83 645.60 Td (universities, ) Tj ET Q q 0 0 0 rg BT 338.07 645.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 381.24 645.60 Td (that ) Tj ET Q q 0 0 0 rg BT 398.87 645.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 437.05 645.60 Td (by ) Tj ET Q q 0 0 0 rg BT 449.68 645.60 Td (the ) Tj ET Q q 0 0 0 rg BT 464.53 645.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 507.15 645.60 Td (& ) Tj ET Q q 0 0 0 rg BT 517.57 645.60 Td (Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.61 633.60 Td (and ) Tj ET Q q 0 0 0 rg BT 108.55 633.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 160.48 633.60 Td (Banking. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 609.60 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 609.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 111.29 609.60 Td (& ) Tj ET Q q 0 0 0 rg BT 121.25 609.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 171.22 609.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 207.29 609.60 Td (2014 ) Tj ET Q q 0 0 0 rg BT 229.48 609.60 Td (allocated ) Tj ET Q q 0 0 0 rg BT 267.75 609.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 294.93 609.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 330.44 609.60 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 350.12 609.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 378.42 609.60 Td (of ) Tj ET Q q 0 0 0 rg BT 388.93 609.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 417.77 609.60 Td (held ) Tj ET Q q 0 0 0 rg BT 437.17 609.60 Td (at ) Tj ET Q q 0 0 0 rg BT 446.57 609.60 Td (the ) Tj ET Q q 0 0 0 rg BT 460.97 609.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 504.26 609.60 Td (& ) Tj ET Q q 0 0 0 rg BT 514.23 609.60 Td (Community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 597.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 104.39 597.60 Td (level ) Tj ET Q q 0 0 0 rg BT 126.32 597.60 Td (related ) Tj ET Q q 0 0 0 rg BT 156.02 597.60 Td (to ) Tj ET Q q 0 0 0 rg BT 166.30 597.60 Td (legacy ) Tj ET Q q 0 0 0 rg BT 194.89 597.60 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 235.16 597.60 Td (servicing ) Tj ET Q q 0 0 0 rg BT 274.31 597.60 Td (matters.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 573.60 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 573.60 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 573.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 111.31 573.60 Td (and ) Tj ET Q q 0 0 0 rg BT 128.25 573.60 Td (debit ) Tj ET Q q 0 0 0 rg BT 150.74 573.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 183.24 573.60 Td (metric ) Tj ET Q q 0 0 0 rg BT 211.28 573.60 Td (is ) Tj ET Q q 0 0 0 rg BT 220.45 573.60 Td (based ) Tj ET Q q 0 0 0 rg BT 245.72 573.60 Td (on ) Tj ET Q q 0 0 0 rg BT 258.22 573.60 Td (Nilson ) Tj ET Q q 0 0 0 rg BT 287.39 573.60 Td (data ) Tj ET Q q 0 0 0 rg BT 306.54 573.60 Td (as ) Tj ET Q q 0 0 0 rg BT 317.38 573.60 Td (of ) Tj ET Q q 0 0 0 rg BT 328.21 573.60 Td (2013.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 549.60 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 549.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 111.61 549.60 Td (& ) Tj ET Q q 0 0 0 rg BT 121.89 549.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 159.95 549.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 196.33 549.60 Td (deposit ) Tj ET Q q 0 0 0 rg BT 227.72 549.60 Td (rankings ) Tj ET Q q 0 0 0 rg BT 264.66 549.60 Td (are ) Tj ET Q q 0 0 0 rg BT 279.37 549.60 Td (based ) Tj ET Q q 0 0 0 rg BT 304.64 549.60 Td (on ) Tj ET Q q 0 0 0 rg BT 317.14 549.60 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 342.42 549.60 Td (2014 ) Tj ET Q q 0 0 0 rg BT 364.92 549.60 Td (Summary ) Tj ET Q q 0 0 0 rg BT 406.31 549.60 Td (of ) Tj ET Q q 0 0 0 rg BT 417.14 549.60 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 454.64 549.60 Td (survey ) Tj ET Q q 0 0 0 rg BT 483.80 549.60 Td (per ) Tj ET Q q 0 0 0 rg BT 499.06 549.60 Td (SNL) Tj ET Q q 0 0 0 rg BT 517.58 549.60 Td ( ) Tj ET Q q 0 0 0 rg BT 520.08 549.60 Td (Financial.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 525.60 Td (f. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.39 525.60 Td (card ) Tj ET Q q 0 0 0 rg BT 114.99 525.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 136.83 525.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 169.22 525.60 Td (is ) Tj ET Q q 0 0 0 rg BT 178.28 525.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 218.99 525.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 260.82 525.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 312.64 525.60 Td (Card. ) Tj ET Q q 0 0 0 rg BT 336.98 525.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 377.15 525.60 Td (and ) Tj ET Q q 0 0 0 rg BT 393.98 525.60 Td (comparison ) Tj ET Q q 0 0 0 rg BT 443.03 525.60 Td (of ) Tj ET Q q 0 0 0 rg BT 453.76 525.60 Td (general ) Tj ET Q q 0 0 0 rg BT 485.58 525.60 Td (purpose ) Tj ET Q q 0 0 0 rg BT 519.63 525.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 544.79 525.60 Td (card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 89.94 513.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 122.43 513.60 Td (are ) Tj ET Q q 0 0 0 rg BT 137.14 513.60 Td (based ) Tj ET Q q 0 0 0 rg BT 162.41 513.60 Td (on ) Tj ET Q q 0 0 0 rg BT 174.91 513.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 221.85 513.60 Td (by ) Tj ET Q q 0 0 0 rg BT 234.35 513.60 Td (peers ) Tj ET Q q 0 0 0 rg BT 257.95 513.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.88 513.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 307.93 513.60 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 350.14 513.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 390.42 513.60 Td (are ) Tj ET Q q 0 0 0 rg BT 405.12 513.60 Td (as ) Tj ET Q q 0 0 0 rg BT 415.95 513.60 Td (of ) Tj ET Q q 0 0 0 rg BT 426.78 513.60 Td (the ) Tj ET Q q 0 0 0 rg BT 441.50 513.60 Td (second ) Tj ET Q q 0 0 0 rg BT 471.77 513.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 502.58 513.60 Td (of ) Tj ET Q q 0 0 0 rg BT 513.42 513.60 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 489.60 Td (g. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 104.39 489.60 Td (portal ) Tj ET Q q 0 0 0 rg BT 130.21 489.60 Td (ranking ) Tj ET Q q 0 0 0 rg BT 163.26 489.60 Td (is ) Tj ET Q q 0 0 0 rg BT 172.43 489.60 Td (per ) Tj ET Q q 0 0 0 rg BT 187.70 489.60 Td (compete.com, ) Tj ET Q q 0 0 0 rg BT 246.29 489.60 Td (as ) Tj ET Q q 0 0 0 rg BT 257.12 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 267.39 489.60 Td (August ) Tj ET Q q 0 0 0 rg BT 298.79 489.60 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 465.60 Td (h. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 465.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 110.73 465.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 148.46 465.60 Td (provision ) Tj ET Q q 0 0 0 rg BT 190.09 465.60 Td (for ) Tj ET Q q 0 0 0 rg BT 205.60 465.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 232.21 465.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 259.95 465.60 Td (is ) Tj ET Q q 0 0 0 rg BT 270.47 465.60 Td (included ) Tj ET Q q 0 0 0 rg BT 308.75 465.60 Td (in ) Tj ET Q q 0 0 0 rg BT 320.38 465.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 342.56 465.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 370.84 465.60 Td (Portfolios, ) Tj ET Q q 0 0 0 rg BT 416.64 465.60 Td (in ) Tj ET Q q 0 0 0 rg BT 428.26 465.60 Td (production ) Tj ET Q q 0 0 0 rg BT 475.44 465.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 511.49 465.60 Td (in ) Tj ET Q q 0 0 0 rg BT 523.12 465.60 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (Production, ) Tj ET Q q 0 0 0 rg BT 116.89 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 133.83 453.60 Td (in ) Tj ET Q q 0 0 0 rg BT 144.10 453.60 Td (core ) Tj ET Q q 0 0 0 rg BT 163.81 453.60 Td (servicing ) Tj ET Q q 0 0 0 rg BT 202.97 453.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 237.67 453.60 Td (in ) Tj ET Q q 0 0 0 rg BT 247.95 453.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 289.33 453.60 Td (Servicing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 429.60 Td (i. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (#1 ) Tj ET Q q 0 0 0 rg BT 80.50 429.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 105.76 429.60 Td (card ) Tj ET Q q 0 0 0 rg BT 125.47 429.60 Td (issuer ) Tj ET Q q 0 0 0 rg BT 151.30 429.60 Td (ranking ) Tj ET Q q 0 0 0 rg BT 184.35 429.60 Td (based ) Tj ET Q q 0 0 0 rg BT 209.62 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 222.12 429.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 269.05 429.60 Td (by ) Tj ET Q q 0 0 0 rg BT 281.55 429.60 Td (peers ) Tj ET Q q 0 0 0 rg BT 305.15 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 322.09 429.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 355.13 429.60 Td (estimates ) Tj ET Q q 0 0 0 rg BT 394.85 429.60 Td (as ) Tj ET Q q 0 0 0 rg BT 405.68 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 416.51 429.60 Td (2Q14. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 405.60 Td (j. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (#1 ) Tj ET Q q 0 0 0 rg BT 80.85 405.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 101.48 405.60 Td (co-brand ) Tj ET Q q 0 0 0 rg BT 139.86 405.60 Td (issuer ) Tj ET Q q 0 0 0 rg BT 166.04 405.60 Td (based ) Tj ET Q q 0 0 0 rg BT 191.65 405.60 Td (on ) Tj ET Q q 0 0 0 rg BT 204.50 405.60 Td (Phoenix ) Tj ET Q q 0 0 0 rg BT 240.12 405.60 Td (Credit ) Tj ET Q q 0 0 0 rg BT 267.97 405.60 Td (Card ) Tj ET Q q 0 0 0 rg BT 290.25 405.60 Td (Monitor ) Tj ET Q q 0 0 0 rg BT 325.88 405.60 Td (for ) Tj ET Q q 0 0 0 rg BT 340.38 405.60 Td (the ) Tj ET Q q 0 0 0 rg BT 355.45 405.60 Td (12-months ) Tj ET Q q 0 0 0 rg BT 401.07 405.60 Td (period ) Tj ET Q q 0 0 0 rg BT 429.46 405.60 Td (ending ) Tj ET Q q 0 0 0 rg BT 459.53 405.60 Td (June ) Tj ET Q q 0 0 0 rg BT 480.71 405.60 Td (2014; ) Tj ET Q q 0 0 0 rg BT 506.33 405.60 Td (based ) Tj ET Q q 0 0 0 rg BT 531.95 405.60 Td (on ) Tj ET Q q 0 0 0 rg BT 544.79 405.60 Td (card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 393.60 Td (accounts ) Tj ET Q q 0 0 0 rg BT 105.49 393.60 Td (and ) Tj ET Q q 0 0 0 rg BT 122.42 393.60 Td (revolving ) Tj ET Q q 0 0 0 rg BT 163.25 393.60 Td (balance ) Tj ET Q q 0 0 0 rg BT 196.28 393.60 Td (dollars.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 369.60 Td (k. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 369.60 Td (Global ) Tj ET Q q 0 0 0 rg BT 97.54 369.60 Td (V) Tj ET Q q 0 0 0 rg BT 104.16 369.60 Td (isa ) Tj ET Q q 0 0 0 rg BT 117.77 369.60 Td (ranking ) Tj ET Q q 0 0 0 rg BT 150.81 369.60 Td (based ) Tj ET Q q 0 0 0 rg BT 176.08 369.60 Td (on ) Tj ET Q q 0 0 0 rg BT 188.40 369.60 Td (V) Tj ET Q q 0 0 0 rg BT 195.02 369.60 Td (isa ) Tj ET Q q 0 0 0 rg BT 208.63 369.60 Td (data ) Tj ET Q q 0 0 0 rg BT 227.79 369.60 Td (as ) Tj ET Q q 0 0 0 rg BT 238.62 369.60 Td (of ) Tj ET Q q 0 0 0 rg BT 249.45 369.60 Td (2Q14 ) Tj ET Q q 0 0 0 rg BT 274.17 369.60 Td (based ) Tj ET Q q 0 0 0 rg BT 299.44 369.60 Td (on ) Tj ET Q q 0 0 0 rg BT 311.94 369.60 Td (consumer ) Tj ET Q q 0 0 0 rg BT 353.31 369.60 Td (and ) Tj ET Q q 0 0 0 rg BT 370.25 369.60 Td (business ) Tj ET Q q 0 0 0 rg BT 406.64 369.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 431.91 369.60 Td (card ) Tj ET Q q 0 0 0 rg BT 451.61 369.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 473.55 369.60 Td (volume.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 345.60 Td (l. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 345.60 Td (#1 ) Tj ET Q q 0 0 0 rg BT 80.06 345.60 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 139.89 345.60 Td (merchant ) Tj ET Q q 0 0 0 rg BT 179.15 345.60 Td (acquirer ) Tj ET Q q 0 0 0 rg BT 213.97 345.60 Td (based ) Tj ET Q q 0 0 0 rg BT 238.80 345.60 Td (on ) Tj ET Q q 0 0 0 rg BT 250.86 345.60 Td (Nilson ) Tj ET Q q 0 0 0 rg BT 279.59 345.60 Td (data ) Tj ET Q q 0 0 0 rg BT 298.30 345.60 Td (as ) Tj ET Q q 0 0 0 rg BT 308.69 345.60 Td (of ) Tj ET Q q 0 0 0 rg BT 319.08 345.60 Td (2013; ) Tj ET Q q 0 0 0 rg BT 343.92 345.60 Td (share ) Tj ET Q q 0 0 0 rg BT 367.08 345.60 Td (of ) Tj ET Q q 0 0 0 rg BT 377.47 345.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 397.32 345.60 Td (eCommerce ) Tj ET Q q 0 0 0 rg BT 447.69 345.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 479.74 345.60 Td (based ) Tj ET Q q 0 0 0 rg BT 504.57 345.60 Td (on ) Tj ET Q q 0 0 0 rg BT 516.63 345.60 Td (the ) Tj ET Q q 0 0 0 rg BT 530.91 345.60 Td (Internet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 333.60 Td (Retailer ) Tj ET Q q 0 0 0 rg BT 101.97 333.60 Td (T) Tj ET Q q 0 0 0 rg BT 107.38 333.60 Td (op ) Tj ET Q q 0 0 0 rg BT 119.88 333.60 Td (500 ) Tj ET Q q 0 0 0 rg BT 137.38 333.60 Td (for ) Tj ET Q q 0 0 0 rg BT 151.54 333.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 174.04 333.60 Td (and ) Tj ET Q q 0 0 0 rg BT 190.98 333.60 Td (JPMC ) Tj ET Q q 0 0 0 rg BT 218.49 333.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 251.54 333.60 Td (merchant ) Tj ET Q q 0 0 0 rg BT 291.24 333.60 Td (client ) Tj ET Q q 0 0 0 rg BT 315.95 333.60 Td (data.) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (JPMor) Tj ET Q q 0 0 0 rg BT 81.79 726.30 Td (gan ) Tj ET Q q 0 0 0 rg BT 102.04 726.30 Td (Chase ) Tj ET Q q 0 0 0 rg BT 134.28 726.30 Td (& ) Tj ET Q q 0 0 0 rg BT 146.54 726.30 Td (Co. ) Tj ET Q q 0 0 0 rg BT 166.46 726.30 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 208.05 726.30 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 236.98 726.30 Td (is ) Tj ET Q q 0 0 0 rg BT 247.90 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 256.14 726.30 Td (leading ) Tj ET Q q 0 0 0 rg BT 294.38 726.30 Td (global ) Tj ET Q q 0 0 0 rg BT 327.30 726.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 372.19 726.30 Td (services ) Tj ET Q q 0 0 0 rg BT 413.76 726.30 Td (firm ) Tj ET Q q 0 0 0 rg BT 437.34 726.30 Td (with ) Tj ET Q q 0 0 0 rg BT 461.59 726.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 492.51 726.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 505.43 726.30 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 529.35 726.30 Td (trillion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 562.01 726.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 69.93 711.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 122.51 711.90 Td (worldwide. ) Tj ET Q q 0 0 0 rg BT 179.25 711.90 Td (The ) Tj ET Q q 0 0 0 rg BT 200.50 711.90 Td (Firm ) Tj ET Q q 0 0 0 rg BT 226.44 711.90 Td (is ) Tj ET Q q 0 0 0 rg BT 237.05 711.90 Td (a ) Tj ET Q q 0 0 0 rg BT 244.97 711.90 Td (leader ) Tj ET Q q 0 0 0 rg BT 276.88 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 288.81 711.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 344.07 711.90 Td (banking, ) Tj ET Q q 0 0 0 rg BT 388.33 711.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.91 711.90 Td (services ) Tj ET Q q 0 0 0 rg BT 474.16 711.90 Td (for ) Tj ET Q q 0 0 0 rg BT 490.75 711.90 Td (consumers ) Tj ET Q q 0 0 0 rg BT 544.67 711.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (small ) 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Tj ET Q BT /F5 6.00 Tf ET BT /F5 8.00 Tf ET q 0 0 0 rg BT 53.00 730.23 Td (CONSOLIDATED FINANCIAL HIGHLIGHTS) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 721.63 Td (\(in millions, except per share, ratio and headcount data\)) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 271.45 707.68 Td (QUARTERLY TRENDS) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 453.15 707.68 Td (NINE MONTHS ENDED SEPTEMBER 30,) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 364.30 699.68 Td (3Q14 Change) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 544.95 699.68 Td (2014 Change) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 691.23115234375 m 165.44140625 691.23115234375 l s q 0 0 0 rg BT 53.00 692.18 Td (SELECTED INCOME STATEMENT DATA) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 205.65 691.68 Td (3Q14) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 259.65 691.68 Td (2Q14) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 313.65 691.68 Td (3Q13) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 357.65 691.68 Td (2Q14) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 394.15 691.68 Td (3Q13) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 444.30 691.68 Td (2014) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 497.80 691.68 Td (2013) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 556.80 691.68 Td (2013) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 683.68 Td (Reported Basis) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 675.68 Td (Total net revenue) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 675.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.60 675.68 Td (24,246) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 675.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.60 675.68 Td (24,454) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 675.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 675.68 Td (23,117) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 675.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 675.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 379.00 675.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 675.68 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 416.00 675.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 675.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 675.68 Td (71,693) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 675.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 675.68 Td (73,450) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 675.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 675.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 576.00 675.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 667.68 Td (Total noninterest expense) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.60 667.68 Td (15,798) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.60 667.68 Td (15,431) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 667.68 Td (23,626) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 667.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 402.30 667.68 Td (\(33) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 667.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 667.68 Td (45,865) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 667.68 Td (54,915) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 667.68 Td (\(16) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 667.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 659.68 Td (Pre-provision profit/\(loss\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 659.68 Td (8,448) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 659.68 Td (9,023) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 326.95 659.68 Td (\(509) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 659.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 659.68 Td (\(6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 659.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 659.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 659.68 Td (25,828) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 659.68 Td (18,535) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 659.68 Td (39) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 651.68 Td (Provision for credit losses) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 651.68 Td (757) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 651.68 Td (692) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 326.95 651.68 Td (\(543) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 651.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 651.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 651.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 651.68 Td (2,299) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 511.95 651.68 Td (121) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 560.65 651.68 Td (NM? Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 643.68 Td (NET INCOME/\(LOSS\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 643.68 Td (5,572) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 643.68 Td (5,985) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 326.95 643.68 Td (\(380) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 643.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 643.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 643.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 643.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 643.68 Td (16,831) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 643.68 Td (12,645) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 643.68 Td (33) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 631.68 Td (Managed Basis \(a\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 623.68 Td (Total net revenue) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.60 623.68 Td (25,159) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.60 623.68 Td (25,349) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 623.68 Td (23,880) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 623.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 623.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 623.68 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 623.68 Td (74,371) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 623.68 Td (75,686) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 623.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 623.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 615.68 Td (Total noninterest expense) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.60 615.68 Td (15,798) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.60 615.68 Td (15,431) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 615.68 Td (23,626) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 615.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 402.30 615.68 Td (\(33) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 615.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 615.68 Td (45,865) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 615.68 Td (54,915) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 615.68 Td (\(16) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 615.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 607.68 Td (Pre-provision profit) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 607.68 Td (9,361) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 607.68 Td (9,918) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 607.68 Td (254) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 607.68 Td (\(6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 607.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 607.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 607.68 Td (28,506) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 607.68 Td (20,771) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 607.68 Td (37) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 599.68 Td (Provision for credit losses) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 599.68 Td (757) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 599.68 Td (692) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 326.95 599.68 Td (\(543) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 599.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 599.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 599.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 599.68 Td (2,299) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 511.95 599.68 Td (121) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 560.65 599.68 Td (NM? Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 591.68 Td (NET INCOME/\(LOSS\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 591.68 Td (5,572) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 591.68 Td (5,985) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 326.95 591.68 Td (\(380) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 591.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 591.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 591.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 591.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 591.68 Td (16,831) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 591.68 Td (12,645) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 591.68 Td (33) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 579.23115234375 m 138.6728515625 579.23115234375 l s q 0 0 0 rg BT 53.00 580.18 Td (EARNINGS PER SHARE DATA) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 571.68 Td (Net income/\(loss\): Basic) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 571.68 Td (1.37) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 571.68 Td (1.47) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.30 571.68 Td (\(0.17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 571.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 571.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 571.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 571.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 571.68 Td (4.13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 571.68 Td (3.08) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 571.68 Td (34) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 71.00 563.68 Td ( Diluted) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 563.68 Td (1.36) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 563.68 Td (1.46) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.30 563.68 Td (\(0.17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 563.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 563.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 563.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 563.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 563.68 Td (4.10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 563.68 Td (3.05) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 563.68 Td (34) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 551.68 Td (Average shares: Basic) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 210.95 551.68 Td (3,755.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 264.95 551.68 Td (3,780.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 318.95 551.68 Td (3,767.0) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 551.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 551.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.95 551.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.95 551.68 Td (3,774.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.95 551.68 Td (3,789.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 551.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 543.68 Td ( Diluted) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 210.95 543.68 Td (3,788.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 264.95 543.68 Td (3,812.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 318.95 543.68 Td (3,767.0) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 543.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 543.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 543.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.95 543.68 Td (3,808.3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.95 543.68 Td (3,820.9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 543.68 Td (? Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 531.23115234375 m 176.7734375 531.23115234375 l s q 0 0 0 rg BT 53.00 532.18 Td (MARKET AND PER COMMON SHARE DATA) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 523.68 Td (Market capitalization) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 523.68 Td (225,188) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 523.68 Td (216,725) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 523.68 Td (194,312) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 523.68 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 523.68 Td (16) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 523.68 Td (225,188) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 523.68 Td (194,312) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 523.68 Td (16) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 515.68 Td (Common shares at period-end) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 210.95 515.68 Td (3,738.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 264.95 515.68 Td (3,761.3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 318.95 515.68 Td (3,759.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 515.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 515.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 515.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 515.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.95 515.68 Td (3,738.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.95 515.68 Td (3,759.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 515.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 515.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 507.68 Td (Closing share price \(b\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 507.68 Td (60.24) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 507.68 Td (57.62) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 507.68 Td (51.69) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 507.68 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 507.68 Td (17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 507.68 Td (60.24) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 507.68 Td (51.69) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 507.68 Td (17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 499.68 Td (Book value per share) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 499.68 Td (56.50) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 499.68 Td (55.53) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 499.68 Td (52.01) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 499.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 499.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 499.68 Td (56.50) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 499.68 Td (52.01) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 499.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 491.68 Td (Tangible book value per share \(c\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 491.68 Td (44.13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 491.68 Td (43.17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 491.68 Td (39.51) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 491.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 491.68 Td (12) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 491.68 Td (44.13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 491.68 Td (39.51) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 491.68 Td (12) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 483.68 Td (Cash dividends declared) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 483.68 Td (0.40) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 483.68 Td (0.40) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 290.00 483.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 483.68 Td (0.38) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 483.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 483.68 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 483.68 Td (1.18) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 483.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 483.68 Td (1.06) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 527.00 483.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 483.68 Td (11) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 471.23115234375 m 118.4375 471.23115234375 l s q 0 0 0 rg BT 53.00 472.18 Td (FINANCIAL RATIOS \(d\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 463.68 Td (Return on common equity \(ROE\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 463.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 463.68 Td (11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 290.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 333.65 463.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 463.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 344.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 463.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 518.65 463.68 Td (8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 527.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 455.68 Td (Return on tangible common equity \(ROTCE\) \(c\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 455.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 455.68 Td (14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 333.65 455.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 455.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 455.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 455.68 Td (11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 447.68 Td (Return on assets) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 447.68 Td (0.90) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 447.68 Td (0.99) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.30 447.68 Td (\(0.06) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 447.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 447.68 Td (0.93) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 447.68 Td (0.71) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 435.23115234375 m 111.3330078125 435.23115234375 l s q 0 0 0 rg BT 53.00 436.18 Td (CAPITAL RATIOS \(e\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 427.68 Td (Common Equity Tier 1 \(CET1\) capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 427.68 Td (10.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 427.68 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 276.65 427.68 Td (9.8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 427.68 Td (10.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 427.68 Td (10.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 427.68 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 427.68 Td (10.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 419.68 Td (Tier 1 capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 419.68 Td (11.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 419.68 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 419.68 Td (11.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 419.68 Td (11.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 419.68 Td (11.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 419.68 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 419.68 Td (11.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 411.68 Td (Total capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 411.68 Td (12.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 411.68 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 411.68 Td (12.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 411.68 Td (14.3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 411.68 Td (12.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 411.68 Td (\(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 411.68 Td (14.3) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 399.23115234375 m 171.013671875 399.23115234375 l s q 0 0 0 rg BT 53.00 400.18 Td (95% CONFIDENCE LEVEL- TOTAL VaR \(f\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 391.68 Td (Average VaR) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 391.68 Td (36) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 391.68 Td (55) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 391.68 Td (47) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 391.68 Td (\(35) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 391.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 402.30 391.68 Td (\(23) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 391.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 391.68 Td (44) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 391.68 Td (55) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 391.68 Td (\(20) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 391.68 Td (\)) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 378.68115234375 m 178.888671875 378.68115234375 l s q 0 0 0 rg BT 53.00 379.63 Td (SELECTED BALANCE SHEET DATA \(period-) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 372.68115234375 m 65.6650390625 372.68115234375 l s q 0 0 0 rg BT 53.00 373.63 Td (end\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 364.68 Td (Total assets) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 204.25 364.68 Td (2,527,005) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 258.30 364.68 Td (2,520,336) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 312.30 364.68 Td (2,463,309) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 364.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 364.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 442.30 364.68 Td (2,527,005) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 495.30 364.68 Td (2,463,309) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 364.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 356.68 Td (Loans:) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 348.68 Td (Consumer, excluding credit card loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 348.68 Td (288,860) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 348.68 Td (289,178) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 348.68 Td (288,350) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 348.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.95 348.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 348.68 Td (288,860) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 348.68 Td (288,350) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 348.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 340.68 Td (Credit card loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 340.68 Td (126,959) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 340.68 Td (126,129) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 340.68 Td (123,982) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 340.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 340.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 340.68 Td (126,959) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 340.68 Td (123,982) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 340.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 332.68 Td (Wholesale loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 332.68 Td (327,438) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 332.68 Td (331,676) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 332.68 Td (316,347) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 332.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 332.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 332.68 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 332.68 Td (327,438) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 332.68 Td (316,347) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 332.68 Td (4) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 65.00 324.68 Td (Total Loans) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 209.25 324.68 Td (743,257) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 263.30 324.68 Td (746,983) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 317.30 324.68 Td (728,679) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 324.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 324.68 Td (2) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 447.30 324.68 Td (743,257) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 500.30 324.68 Td (728,679) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 324.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 316.68 Td (Deposits) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 204.25 316.68 Td (1,334,534) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 258.30 316.68 Td (1,319,751) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 312.30 316.68 Td (1,281,102) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 316.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 316.68 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 442.30 316.68 Td (1,334,534) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 495.30 316.68 Td (1,281,102) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 316.68 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 308.68 Td (Long-term debt \(g\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 308.68 Td (268,721) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 308.68 Td (269,929) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 308.68 Td (263,372) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 308.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 308.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 308.68 Td (268,721) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 308.68 Td (263,372) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 308.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 300.68 Td (Common stockholders?equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 300.68 Td (211,214) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 300.68 Td (208,851) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 300.68 Td (195,512) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 300.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 300.68 Td (8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 300.68 Td (211,214) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 300.68 Td (195,512) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 300.68 Td (8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 292.68 Td (Total stockholders?equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 292.68 Td (231,277) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 292.68 Td (227,314) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 292.68 Td (206,670) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 292.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 292.68 Td (12) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 292.68 Td (231,277) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 292.68 Td (206,670) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 292.68 Td (12) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 280.68 Td (Loans-to-deposits ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 280.68 Td (56) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 280.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 280.68 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 290.00 280.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 280.68 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 344.00 280.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 280.68 Td (56) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 280.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 280.68 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 527.00 280.68 Td (%) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 268.68 Td (Headcount) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 268.68 Td (242,388) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 268.68 Td (245,192) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 268.68 Td (255,041) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 268.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 268.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 268.68 Td (\(5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 268.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 268.68 Td (242,388) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 268.68 Td (255,041) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 268.68 Td (\(5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 268.68 Td (\)) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 255.68115234375 m 170.33984375 255.68115234375 l s q 0 0 0 rg BT 53.00 256.63 Td (LINE OF BUSINESS NET INCOME/\(LOSS\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 247.68 Td (Consumer & Community Banking) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 247.68 Td (2,468) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 247.68 Td (2,443) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 247.68 Td (2,702) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 247.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 247.68 Td (\(9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 247.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 247.68 Td (6,847) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 247.68 Td (8,377) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 247.68 Td (\(18) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 247.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 239.68 Td (Corporate & Investment Bank) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 239.68 Td (1,485) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 239.68 Td (1,963) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 239.68 Td (2,240) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 239.68 Td (\(24) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 239.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 402.30 239.68 Td (\(34) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 239.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 239.68 Td (5,427) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 239.68 Td (7,688) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 239.68 Td (\(29) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 239.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 231.68 Td (Commercial Banking) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 231.68 Td (649) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 231.68 Td (658) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 231.68 Td (665) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 231.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 231.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 231.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 231.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 231.68 Td (1,885) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 231.68 Td (1,882) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 231.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 223.68 Td (Asset Management) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 223.68 Td (572) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 223.68 Td (552) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 223.68 Td (476) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 223.68 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 223.68 Td (20) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 223.68 Td (1,565) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 223.68 Td (1,463) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 223.68 Td (7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 215.68 Td (Corporate/Private Equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 215.68 Td (398) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 215.68 Td (369) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 321.95 215.68 Td (\(6,463) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 339.00 215.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 215.68 Td (8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 215.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 215.68 Td (1,107) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 504.95 215.68 Td (\(6,765) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 522.00 215.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 560.65 215.68 Td (NM? Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 207.68 Td (NET INCOME/\(LOSS\)) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 196.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 215.95 207.68 Td (5,572) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 250.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 269.95 207.68 Td (5,985) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 304.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 326.95 207.68 Td (\(380) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 339.00 207.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 207.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 207.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 207.68 Td (NM) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 434.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 450.60 207.68 Td (16,831) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 488.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 503.60 207.68 Td (12,645) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 207.68 Td (33) Tj ET Q BT /F1 10.00 Tf ET BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 195.00 Td (\(a\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 195.00 Td (For a further discussion of managed basis, see) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 192.73 195.00 Td ( Note \(a\) on page 12.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 189.00 Td (\(b\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 189.00 Td (Share price shown is from the New ) Tj ET Q q 0 0 0 rg BT 162.60 189.00 Td (Y) Tj ET Q q 0 0 0 rg BT 166.05 189.00 Td (ork Stock Exchange. ) Tj ET Q q 0 0 0 rg BT 222.63 189.00 Td (The common stock is also listed and traded on the London Stock Exchange and the ) Tj ET Q q 0 0 0 rg BT 446.33 189.00 Td (T) Tj ET Q q 0 0 0 rg BT 449.33 189.00 Td (okyo Stock Exchange.) Tj ET Q BT /F6 6.00 Tf ET BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 183.00 Td (\(c\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 183.00 Td (T) Tj ET Q q 0 0 0 rg BT 71.00 183.00 Td (angible book value per share and ROTCE are non-GAAP) Tj ET Q q 0 0 0 rg BT 222.98 183.00 Td ( financial measures. ) Tj ET Q q 0 0 0 rg BT 277.89 183.00 Td (T) Tj ET Q q 0 0 0 rg BT 280.89 183.00 Td (angible book value per share represents tangible common equity divided by common shares at period-end. ROTCE ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 177.00 Td (measures the Firm's annualized earnings as a percentage of tangible common equity) Tj ET Q q 0 0 0 rg BT 293.49 177.00 Td (. For further discussion of these measures, see page 35) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 441.90 177.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 171.00 Td (\(d\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 171.00 Td (Ratios are based upon annualized amounts.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 185.41 171.00 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 165.00 Td (\(e\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 165.00 Td (Basel III ) Tj ET Q q 0 0 0 rg BT 91.24 165.00 Td (T) Tj ET Q q 0 0 0 rg BT 94.68 165.00 Td (ransitional rules became ef) Tj ET Q q 0 0 0 rg BT 166.27 165.00 Td (fective on January 1, 2014; all prior period data is based on Basel I rules. ) Tj ET Q q 0 0 0 rg BT 361.39 165.00 Td (As of September 30, 2014, and June 30, 2014, the ratios presented are calculated ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 159.00 Td (under the Basel III ) Tj ET Q q 0 0 0 rg BT 118.03 159.00 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 146.28 159.00 Td (T) Tj ET Q q 0 0 0 rg BT 149.72 159.00 Td (ransitional ) Tj ET Q q 0 0 0 rg BT 178.41 159.00 Td (Approach.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 205.76 159.00 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 207.42 159.00 Td (See footnote \(a\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.45 159.00 Td ( on page 33 of the Earnings Release Financial Supplement ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 408.89 159.00 Td (for additional information on Basel III. CET1 capital under Basel III ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 153.00 Td (replaced ) Tj ET Q q 0 0 0 rg BT 92.57 153.00 Td (T) Tj ET Q q 0 0 0 rg BT 96.02 153.00 Td (ier 1 common capital under Basel I. Prior to Basel III becoming ef) Tj ET Q q 0 0 0 rg BT 268.66 153.00 Td (fective on January 1, 2014, ) Tj ET Q q 0 0 0 rg BT 342.26 153.00 Td (T) Tj ET Q q 0 0 0 rg BT 345.71 153.00 Td (ier 1 common capital under Basel I was a non-GAAP) Tj ET Q q 0 0 0 rg BT 485.67 153.00 Td ( financial measure. For further ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 147.00 Td (discussion of ) Tj ET Q q 0 0 0 rg BT 104.24 147.00 Td (T) Tj ET Q q 0 0 0 rg BT 107.69 147.00 Td (ier 1 common capital, see page 35) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 199.41 147.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 141.00 Td (\(f\) ) Tj ET Q q 0 0 0 rg BT 68.00 141.00 Td (The increase inaverage V) Tj ET Q q 0 0 0 rg BT 137.59 141.00 Td (aR during the three months ended June 30, 2014 was due to a change in the MSR hedge position in Mortgage Banking in advance of an anticipated update to certain ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 135.00 Td (MSR model assumptions. When such updates were implemented, V) Tj ET Q q 0 0 0 rg BT 248.64 135.00 Td (aR decreased to prior levels. ) Tj ET Q q 0 0 0 rg BT 326.57 135.00 Td (The MSR model and assumptions are continuously evaluated and periodically updated to reflect ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 129.00 Td (recent market behavior) Tj ET Q q 0 0 0 rg BT 129.03 129.00 Td (.Mortgage Banking average V) Tj ET Q q 0 0 0 rg BT 209.64 129.00 Td (aR was $3 million, $20 million and $10 million for the three months ended ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 406.08 129.00 Td (September?0, 2014) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 460.45 129.00 Td (, ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 463.78 129.00 Td (June 30, 2014) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.82 129.00 Td ( and ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.16 129.00 Td (September?0, 2013) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 569.53 129.00 Td (, ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 123.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 99.23 123.00 Td (, and $9 million and $15 million for the nine months ended ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 254.67 123.00 Td (September?0, 2014) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 309.04 123.00 Td ( and 2013, respectively) Tj ET Q q 0 0 0 rg BT 370.30 123.00 Td (. For information regarding CIB V) Tj ET Q q 0 0 0 rg BT 459.56 123.00 Td (aR, see Corporate and Investment Bank on ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 117.00 Td (page 21 of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 111.00 Td (\(g\) ) Tj ET Q q 0 0 0 rg BT 68.00 111.00 Td (Included unsecured long-term debt of $204.7 billion, $205.6 billion and $199.2 billion for the periods ended ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 351.87 111.00 Td (September?0, 2014) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 406.24 111.00 Td (, ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 409.57 111.00 Td (June 30, 2014) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.61 111.00 Td ( and ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 460.95 111.00 Td (September?0, 2013) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.32 111.00 Td (, respectively) Tj ET Q q 0 0 0 rg BT 549.89 111.00 Td (.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 105.00 Td (\(h\) ) Tj ET Q q 0 0 0 rg BT 68.00 105.00 Td (Estimated.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 99.00 Td (\(i\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 99.00 Td (On May 20, 2014, the Board of Directors increased the quarterly common stock dividend from $0.38 to $0.40 per share.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 385.17 99.00 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 386.83 99.00 Td (On May 21, 2013, the Board increased the quarterly common stock dividend ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 93.00 Td (from $0.30 to $0.38 per share.) Tj ET Q BT /F6 6.00 Tf ET /GS0 gs q 186.00 0 0 13.00 400.00 732.28 cm /I73 Do Q endstream endobj 33 0 obj <> /View <>>>>> endobj 34 0 obj <> /View <>>>>> endobj 35 0 obj <> endobj 36 0 obj <> stream xy\E?~nM{{wޑ?d??2? 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