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Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 761.26 Td (270 Park ) Tj ET Q q 0 0 0 rg BT 50.00 761.26 Td (A) Tj ET Q q 0 0 0 rg BT 55.83 761.26 Td (venue, New ) Tj ET Q q 0 0 0 rg BT 100.73 761.26 Td (Y) Tj ET Q q 0 0 0 rg BT 106.33 761.26 Td (ork, NY) Tj ET Q q 0 0 0 rg BT 135.49 761.26 Td ( 10017-2070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 752.26 Td (NYSE symbol: JPM) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 16 742.06005859375 m 109.2255859375 742.06005859375 l s q 0 0 1 rg BT 16.00 743.26 Td (www) Tj ET Q q 0 0 1 rg BT 34.91 743.26 Td (.jpmor) Tj ET Q q 0 0 1 rg BT 58.50 743.26 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 15.5 58 m 365.5 58 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 58 m 595.5 58 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 18.00 49.26 Td (Investor Contact: Sarah ) Tj ET Q q 0 0 0 rg BT 104.89 49.26 Td (Y) Tj ET Q q 0 0 0 rg BT 110.49 49.26 Td (oungwood \(212\) 270-7325) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 18.00 41.82 Td ( 1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 21.41 38.65 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 89.79 38.65 Td ( financial measures, including managed basis reporting, see page 6.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 18.00 30.65 Td ( ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 19.75 33.82 Td (2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 22.02 30.65 Td (In addition, results included $281 million net reduction in Firmwide credit reserves \($0.05 per share increase in earnings\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 18.00 22.65 Td ( For additional notes see page 7.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 49.26 Td (Media Contact: Joe Evangelisti \(212\) 270-7438) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 18.00 722.80 Td (News release: IMMEDIA) Tj ET Q q 0 0 0 rg BT 109.97 722.80 Td (TE RELEASE) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 136.80 709.00 Td (JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 268.67 709.00 Td (TS ) Tj ET Q q 0 0 0 rg BT 283.22 709.00 Td (THIRD-QUAR) Tj ET Q q 0 0 0 rg BT 348.43 709.00 Td (TER 2015 NET) Tj ET Q q 0 0 0 rg BT 414.37 709.00 Td ( INCOME OF) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.85 693.20 Td ($6.8 BILLION, OR $1.68 PER SHARE, ON REVENUE) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 380.49 697.73 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.74 693.20 Td ( OF) Tj ET Q q 0 0 0 rg BT 399.76 693.20 Td ( $23.5 BILLION ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.40 677.40 Td (15% RETURN ON ) Tj ET Q q 0 0 0 rg BT 273.95 677.40 Td (T) Tj ET Q q 0 0 0 rg BT 279.87 677.40 Td (ANGIBLE COMMON EQUITY) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 419.33 681.93 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 123.90 651.60 Td (THIRD-QUAR) Tj ET Q q 0 0 0 rg BT 189.11 651.60 Td (TER 2015 NET) Tj ET Q q 0 0 0 rg BT 255.05 651.60 Td ( INCOME OF) Tj ET Q q 0 0 0 rg BT 315.78 651.60 Td ( $5.4 BILLION, OR $1.32 PER SHARE,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 66.75 635.80 Td (AND ROTCE OF) Tj ET Q q 0 0 0 rg BT 142.49 635.80 Td ( 12% EXCLUDING ) Tj ET Q q 0 0 0 rg BT 230.93 635.80 Td (T) Tj ET Q q 0 0 0 rg BT 236.86 635.80 Td (AX BENEFITS, LEGAL) Tj ET Q q 0 0 0 rg BT 342.72 635.80 Td ( EXPENSE ) Tj ET Q q 0 0 0 rg BT 393.29 635.80 Td (AND NET) Tj ET Q q 0 0 0 rg BT 437.84 635.80 Td ( RESER) Tj ET Q q 0 0 0 rg BT 473.33 635.80 Td (VE RELEASES) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 541.97 640.33 Td (1) Tj ET Q 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 625.3 m 17.5 621.3 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 625.3 m 593.5 621.3 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 625.3 m 593.5 625.3 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 621.3 m 593.5 621.3 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 595.00 621.80 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 607.35 Td (THIRD-QUAR) Tj ET Q q 0 0 0 rg BT 76.68 607.35 Td (TER RESUL) Tj ET Q q 0 0 0 rg BT 126.62 607.35 Td (TS) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 137.63 611.43 Td (3) Tj ET Q 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 62.00 594.85 111.00 -32.00 re f /GS0 gs 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 182.00 594.85 125.00 -32.00 re f /GS0 gs 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 317.00 594.85 111.00 -32.00 re f /GS0 gs 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 438.00 594.85 111.00 -32.00 re f /GS0 gs BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 97.65 581.27 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 132.65 586.04 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 106.95 571.27 Td (15%) Tj ET Q BT /F3 10.00 Tf ET 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 187.05 588.55 104.83 -9.38 re f /GS0 gs q 1 1 1 rg BT 187.05 581.27 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 271.31 581.27 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 291.88 593.32 9.03 -9.38 re f /GS0 gs BT /F3 6.50 Tf ET q 1 1 1 rg BT 291.88 586.04 Td (1,4) Tj ET Q BT /F4 10.00 Tf ET 0.5764705882352941 0.7568627450980392 0.5882352941176471 rg /GS0 gs 230.05 578.55 27.80 -9.38 re f /GS0 gs q 1 1 1 rg BT 230.05 571.27 Td (1) Tj ET Q q 1 1 1 rg BT 235.06 571.27 Td (1.4%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 334.90 581.27 Td (Overhead ratio) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 405.48 586.04 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 361.95 571.27 Td (65%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 451.35 581.27 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 511.16 581.27 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 525.60 586.04 Td (5,6) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 482.95 571.27 Td (49%) Tj ET Q BT /F1 6.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 550.50 563.35 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 21.00 550.85 68.00 -44.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 499.85 68.00 -23.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 476.85 68.00 -16.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 460.85 68.00 -21.00 re f /GS0 gs 0.32941176470588235 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100 Tz 0 TL q 1 1 1 rg BT 32.55 538.27 Td (Firmwide) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 35.30 526.27 Td (Balance) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 40.85 514.27 Td (Sheet) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 538.59 cm /I1 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 541.21 Td (Period-end balance sheet down $156 billion YTD) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 523.59 cm /I2 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 526.21 Td (Loans-to-deposits ratio of 64%, up 8% YTD) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 508.59 cm /I3 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 511.71 Td (Core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 141.24 515.79 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 144.17 511.71 Td ( up 15% ) Tj ET Q q 0 0 0 rg BT 176.08 511.71 Td (Y) Tj ET Q q 0 0 0 rg BT 181.68 511.71 Td (oY) Tj ET Q q 0 0 0 rg BT 192.34 511.71 Td ( and 4% QoQ) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 43.65 481.47 Td (CCB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 487.59 cm /I4 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 491.11 Td (Consumer & Business Banking average deposits up) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 480.31 Td (9%; Business Banking average loans up 6%) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 31.80 465.08 Td (ROE of 20%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 463.99 cm /I5 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 466.71 Td (Over 22 million active mobile customers, up 21%) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 34.45 452.53 Td (OH of 57%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 448.59 cm /I6 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 452.11 Td (Credit card sales volume) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 191.72 456.19 Td (8 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.11 452.11 Td (up 6% and Merchant ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 441.36 Td (processing volume up 1) Tj ET Q q 0 0 0 rg BT 187.90 441.36 Td (1%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 45.85 412.47 Td (CIB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 420.59 cm /I7 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 423.61 Td (Maintained #1 ranking for Global Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 412.81 Td (Banking fees with 8.2% wallet share for 3Q15) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 34.05 397.08 Td (ROE of 8%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 395.59 cm /I8 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 399.11 Td (#1 wallet share in North America and EMEA in 3Q15) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 34.45 384.53 Td (OH of 75%) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 47.25 362.47 Td (CB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 361.49 cm /I9 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 364.21 Td (Loan balances up 13%) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 31.80 346.08 Td (ROE of 14%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 345.59 cm /I10 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 349.11 Td (Eleventh consecutive quarter of single-digit NCO rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 338.31 Td (or net recoveries) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 34.45 333.53 Td (OH of 44%) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 46.70 311.47 Td (AM) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 311.59 cm /I11 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 313.21 Td (Record average loan balances, up 7%) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 31.80 298.08 Td (ROE of 20%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 294.59 cm /I12 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 298.11 Td (81% of mutual fund AUM ranked in the 1st or 2nd) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 287.31 Td (quartiles over 5 years) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 34.45 285.53 Td (OH of 73%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 329.50 550.85 240.00 -267.00 re f /GS0 gs 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 550.85 m 329.5 283.85 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 569.5 550.85 m 569.5 283.85 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 550.85 m 569.5 550.85 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 283.85 m 569.5 283.85 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 519.81 Td (Jamie Dimon, Chairman and CEO, commented on the financial ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 509.46 Td (results:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 490.10 Td ("W) Tj ET Q q 0 0 0 rg BT 342.45 490.10 Td (e had decent r) Tj ET Q q 0 0 0 rg BT 393.35 490.10 Td (esults this quarter) Tj ET Q q 0 0 0 rg BT 457.35 490.10 Td (. W) Tj ET Q q 0 0 0 rg BT 468.52 490.10 Td (e saw the impact of a ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 477.70 Td (challenging global envir) Tj ET Q q 0 0 0 rg BT 420.15 477.70 Td (onment and continued low rates ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 465.30 Td (r) Tj ET Q q 0 0 0 rg BT 335.17 465.30 Td (eflected in the wholesale businesses? Tj ET Q q 0 0 0 rg BT 466.14 465.30 Td ( r) Tj ET Q q 0 0 0 rg BT 471.56 465.30 Td (esults, while the ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 452.85 Td (consumer businesses benefited fr) Tj ET Q q 0 0 0 rg BT 450.40 452.85 Td (om favorable tr) Tj ET Q q 0 0 0 rg BT 506.06 452.85 Td (ends and cr) Tj ET Q q 0 0 0 rg BT 547.72 452.85 Td (edit ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 440.45 Td (quality) Tj ET Q q 0 0 0 rg BT 356.50 440.45 Td (. Overall, our risk management discipline and diversified ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 428.00 Td (platforms acr) Tj ET Q q 0 0 0 rg BT 380.42 428.00 Td (oss the businesses ar) Tj ET Q q 0 0 0 rg BT 455.34 428.00 Td (e serving us well.? Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 406.61 Td (Dimon added:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 383.24 406.61 Td ( W) Tj ET Q q 0 0 0 rg BT 397.17 406.61 Td (e continue to focus on our commitments, ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 394.20 Td (optimize our balance sheet and manage our expenses. W) Tj ET Q q 0 0 0 rg BT 535.38 394.20 Td (e ar) Tj ET Q q 0 0 0 rg BT 549.30 394.20 Td (e ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 381.75 Td (also building the businesses for the futur) Tj ET Q q 0 0 0 rg BT 478.17 381.75 Td (e, dedicating r) Tj ET Q q 0 0 0 rg BT 530.07 381.75 Td (esour) Tj ET Q q 0 0 0 rg BT 549.74 381.75 Td (ces ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 369.35 Td (to contr) Tj ET Q q 0 0 0 rg BT 359.91 369.35 Td (ols, cybersecurity and technology) Tj ET Q q 0 0 0 rg BT 480.38 369.35 Td (.? Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 347.96 Td (Dimon concluded: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 400.99 347.96 Td (Our position of str) Tj ET Q q 0 0 0 rg BT 472.42 347.96 Td (ength allows us to make ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 335.50 Td (significant investments to transform the businesses we operate, ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 323.10 Td (deliver better experiences to our customers and clients, gain ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 310.65 Td (shar) Tj ET Q q 0 0 0 rg BT 347.67 310.65 Td (e and be positioned to be a long-term winner) Tj ET Q q 0 0 0 rg BT 508.65 310.65 Td (.? Tj ET Q BT /F1 10.00 Tf ET 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 272.85 m 17.5 268.85 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 272.85 m 593.5 268.85 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 272.85 m 593.5 272.85 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 268.85 m 593.5 268.85 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 252.55 Td (SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 77.85 252.55 Td ( ITEMS) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 234.90 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 236.75 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 236.75 Td (Third-quarter results included the following significant items) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 249.95 240.83 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.87 236.75 Td (:) Tj ET Q /GS0 gs q 6.72 0 0 9.78 31.00 222.05 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.72 223.90 Td ( ) Tj ET Q q 0 0 0 rg BT 43.00 223.90 Td ($2.2 billion of tax benefits \($0.57 per share increase in earnings\)) Tj ET Q /GS0 gs q 6.72 0 0 9.78 31.00 209.15 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.72 211.00 Td ( ) Tj ET Q q 0 0 0 rg BT 43.00 211.00 Td ($1.0 billion aftertax firmwide legal expense \($0.26 per share aftertax ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.00 199.10 Td (decrease in earnings\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 182.30 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 182.30 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 164.65 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 166.50 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 166.50 Td (T) Tj ET Q q 0 0 0 rg BT 34.87 166.50 Td (angible book value per share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 138.33 170.58 Td (1,9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 145.64 166.50 Td ( of $47.36, up 8%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 148.85 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 150.70 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 150.70 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 150.70 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 150.70 Td (ier 1 capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 169.47 154.78 Td (1,4 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.25 150.70 Td (of $172 billion; ratio of 1) Tj ET Q q 0 0 0 rg BT 269.15 150.70 Td (1.4%) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 287.90 154.78 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.83 150.70 Td ( ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 133.05 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 134.90 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 134.90 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 138.98 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 134.90 Td ( of 6.3% and Bank SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 155.18 138.98 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 158.10 134.90 Td ( of 6.5%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 117.25 cm /I19 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 119.10 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 119.10 Td (Compliant with U.S. LCR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 124.26 123.18 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 130.11 119.10 Td ( ?HQLA) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 164.10 123.18 Td (1) Tj ET Q BT /F1 5.85 Tf ET q 0 0 0 rg BT 166.81 123.18 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.74 119.10 Td ( of $505 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 102.30 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 102.30 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 87.65 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 89.50 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 89.50 Td (Adjusted expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 93.73 93.58 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 96.66 89.50 Td ( of $14.0 billion and adjusted overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 256.12 93.58 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.04 89.50 Td ( of 60%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 250.55 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 333.33 250.55 Td (AL) Tj ET Q q 0 0 0 rg BT 345.34 250.55 Td ( RETURN) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 234.30 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 236.15 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 236.15 Td ($2.7 billion returned to shareholders) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 448.72 240.23 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.64 236.15 Td ( in the third quarter) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 221.40 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 223.25 Td ( ) Tj ET Q q 0 0 0 rg BT 331.00 223.25 Td ($1.0 billion of net repurchases and common dividend of $0.44 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 204.85 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 204.85 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 189.10 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 190.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 190.95 Td ($1.5 trillion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 190.95 Td ( of credit and capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 436.46 195.03 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.31 190.95 Td ( raised in the first nine months of 2015) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 176.25 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 178.10 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 178.10 Td ($177 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.76 178.10 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 163.35 cm /I25 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 165.20 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 165.20 Td ($16 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.26 165.20 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 150.45 cm /I26 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 152.30 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 152.30 Td ($462 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.76 152.30 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 137.60 cm /I27 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 139.45 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 139.45 Td ($763 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.76 139.45 Td ( of capital raised for clients) Tj ET Q /GS0 gs q 6.72 0 0 9.78 319.00 124.70 cm /I28 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.72 126.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 126.55 Td ($55 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.26 126.55 Td ( of credit and capital raised for nonprofit and government ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 114.70 Td (entities, including states, municipalities, hospitals and universities) Tj ET Q /GS0 gs q 208.00 0 0 15.00 386.00 761.52 cm /I29 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (In the discussion below of JPMor) Tj ET Q q 0 0 0 rg BT 183.28 742.10 Td (gan Chase as a Firm and of its business segments, information is pr) Tj ET Q q 0 0 0 rg BT 454.87 742.10 Td (esented on a managed) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (basis. For mor) Tj ET Q q 0 0 0 rg BT 108.30 730.10 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 364.22 730.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 433.85 730.10 Td (es used by management to) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (evaluate the performance of each line of business, see page 6. Per) Tj ET Q q 0 0 0 rg BT 313.78 718.10 Td (centage comparisons noted in the sections below ar) Tj ET Q q 0 0 0 rg BT 520.33 718.10 Td (e ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (calculated for the thir) Tj ET Q q 0 0 0 rg BT 136.61 706.10 Td (d quarter of 2015 versus the prior) Tj ET Q q 0 0 0 rg BT 272.52 706.10 Td (-year thir) Tj ET Q q 0 0 0 rg BT 310.20 706.10 Td (d quarter) Tj ET Q q 0 0 0 rg BT 346.59 706.10 Td (, unless otherwise specified. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 695.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 687.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 680.50 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F2 11.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 189.37 692.93 3.57 -9.82 re f /GS0 gs BT /F2 7.15 Tf ET q 1 1 1 rg BT 189.37 685.48 Td (9) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 665.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 665.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 665.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 665.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 665.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 665.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 665.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 665.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 665.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 665.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 649.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 649.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 649.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 649.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 649.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 649.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 649.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 649.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 649.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 649.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 649.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 649.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 585.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 585.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 585.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 585.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 585.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 585.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 585.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 585.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 585.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 585.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 585.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 585.60 45.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 649.6 m 423 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 649.6 m 468 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 649.6 m 472 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 649.6 m 517 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 649.6 m 562 649.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 633.6 m 213 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 633.6 m 264 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 633.6 m 268 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 633.6 m 319 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 633.6 m 323 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 633.6 m 374 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 633.6 m 378 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 633.6 m 423 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 633.6 m 468 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 633.6 m 472 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 633.6 m 517 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 633.6 m 562 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 633.6 m 264 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 633.6 m 319 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 633.6 m 374 633.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 585.6 m 213 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 569.6 m 213 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 585.6 m 264 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 569.6 m 264 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 585.6 m 268 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 569.6 m 268 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 585.6 m 319 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 569.6 m 319 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 585.6 m 323 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 569.6 m 323 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 585.6 m 374 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 569.6 m 374 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 585.6 m 378 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 569.6 m 378 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 585.6 m 423 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 569.6 m 423 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 585.6 m 468 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 569.6 m 468 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 585.6 m 472 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 569.6 m 472 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 585.6 m 517 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 569.6 m 517 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 585.6 m 562 585.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 569.6 m 562 569.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 553.6 m 213 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 553.6 m 264 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 553.6 m 268 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 553.6 m 319 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 553.6 m 323 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 553.6 m 374 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 553.6 m 378 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 553.6 m 423 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 553.6 m 468 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 553.6 m 472 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 553.6 m 517 553.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 553.6 m 562 553.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 537.6 m 213 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 537.6 m 264 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 537.6 m 268 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 537.6 m 319 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 537.6 m 323 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 537.6 m 374 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 537.6 m 378 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 537.6 m 423 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 537.6 m 468 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 537.6 m 472 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 537.6 m 517 537.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 537.6 m 562 537.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 654.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 654.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 654.27 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 638.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 638.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 638.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 638.27 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 638.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 638.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 638.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 638.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 624.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 622.27 Td (23,535) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 622.27 Td (24,531) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 622.27 Td (25,146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 622.32 Td (\(996) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 622.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 622.27 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 622.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.30 622.32 Td (\(1,611) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 622.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 622.27 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 622.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 608.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 606.27 Td (15,368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 606.27 Td (14,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 606.27 Td (15,798) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 606.27 Td (868) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 606.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 606.32 Td (\(430) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 606.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 606.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 606.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 592.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.15 590.27 Td (682) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 590.27 Td (935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 590.27 Td (757) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 590.32 Td (\(253) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 590.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 590.27 Td (\(27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 590.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 590.32 Td (\(75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 590.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 590.27 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 590.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 576.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 574.27 Td (6,804) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 574.27 Td (6,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 574.27 Td (5,565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 574.27 Td (514) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 574.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 574.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 574.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 574.27 Td (1,239) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 574.27 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 574.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 560.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 558.27 Td (1.68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 558.27 Td (1.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 558.27 Td (1.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 558.27 Td (0.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 558.27 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 558.27 Td (0.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 558.27 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 544.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 542.27 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 542.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 542.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 542.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 542.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 542.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 528.50 Td (Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 143.63 528.50 Td ( basis totaled $22.8 billion, $23.8 billion, and $24.5 billion for the third quarter of 2015, second quarter of 2015, and third quarter ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 518.90 Td (of 2014, respectively) Tj ET Q q 0 0 0 rg BT 116.29 518.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 509.30 Td ( ) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 497.30 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 479.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 479.30 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 479.30 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 479.30 Td ($6.8 ) Tj ET Q q 0 0 0 rg BT 136.42 479.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 479.30 Td (an ) Tj ET Q q 0 0 0 rg BT 179.48 479.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.73 479.30 Td (of ) Tj ET Q q 0 0 0 rg BT 225.56 479.30 Td (22%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 67.37 461.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 102.45 461.30 Td (was ) Tj ET Q q 0 0 0 rg BT 121.44 461.30 Td ($23.5 ) Tj ET Q q 0 0 0 rg BT 147.38 461.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 179.42 461.30 Td (down ) Tj ET Q q 0 0 0 rg BT 205.08 461.30 Td (6%, ) Tj ET Q q 0 0 0 rg BT 224.35 461.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 253.33 461.30 Td (by ) Tj ET Q q 0 0 0 rg BT 266.76 461.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 292.97 461.30 Td (CIB ) Tj ET Q q 0 0 0 rg BT 313.07 461.30 Td (Markets ) Tj ET Q q 0 0 0 rg BT 349.28 461.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 384.36 461.30 Td (including ) Tj ET Q q 0 0 0 rg BT 425.56 461.30 Td (business ) Tj ET Q q 0 0 0 rg BT 462.89 461.30 Td (simplification ) Tj ET Q q 0 0 0 rg BT 521.87 461.30 Td (and ) Tj ET Q q 0 0 0 rg BT 539.75 461.30 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 90.88 449.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 127.26 449.30 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 431.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.85 431.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 99.20 431.30 Td (income ) Tj ET Q q 0 0 0 rg BT 131.54 431.30 Td (was ) Tj ET Q q 0 0 0 rg BT 150.00 431.30 Td ($1) Tj ET Q q 0 0 0 rg BT 159.63 431.30 Td (1.2 ) Tj ET Q q 0 0 0 rg BT 175.04 431.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 206.57 431.30 Td (down ) Tj ET Q q 0 0 0 rg BT 231.70 431.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 247.94 431.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 290.28 431.30 Td (to ) Tj ET Q q 0 0 0 rg BT 300.97 431.30 Td (the ) Tj ET Q q 0 0 0 rg BT 316.10 431.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 338.45 431.30 Td (year) Tj ET Q q 0 0 0 rg BT 355.25 431.30 Td (, ) Tj ET Q q 0 0 0 rg BT 360.67 431.30 Td (as ) Tj ET Q q 0 0 0 rg BT 371.91 431.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 397.59 431.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 444.38 431.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 485.06 431.30 Td (balances ) Tj ET Q q 0 0 0 rg BT 522.39 431.30 Td (and ) Tj ET Q q 0 0 0 rg BT 539.74 431.30 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 419.30 Td (trading ) Tj ET Q q 0 0 0 rg BT 79.87 419.30 Td (net ) Tj ET Q q 0 0 0 rg BT 94.13 419.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 125.60 419.30 Td (income ) Tj ET Q q 0 0 0 rg BT 157.08 419.30 Td (were ) Tj ET Q q 0 0 0 rg BT 178.55 419.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 238.91 419.30 Td (of) Tj ET Q q 0 0 0 rg BT 247.06 419.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 263.54 419.30 Td (by ) Tj ET Q q 0 0 0 rg BT 275.59 419.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 294.85 419.30 Td (growth. ) Tj ET Q q 0 0 0 rg BT 327.72 419.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 344.20 419.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 375.67 419.30 Td (income ) Tj ET Q q 0 0 0 rg BT 407.15 419.30 Td (was ) Tj ET Q q 0 0 0 rg BT 424.75 419.30 Td (up ) Tj ET Q q 0 0 0 rg BT 436.79 419.30 Td (2% ) Tj ET Q q 0 0 0 rg BT 452.16 419.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 480.28 419.30 Td (-over) Tj ET Q q 0 0 0 rg BT 501.17 419.30 Td (-quarter) Tj ET Q q 0 0 0 rg BT 532.42 419.30 Td (, ) Tj ET Q q 0 0 0 rg BT 536.96 419.30 Td (driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.30 Td (by ) Tj ET Q q 0 0 0 rg BT 62.00 407.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 90.05 407.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 109.76 407.30 Td (yields ) Tj ET Q q 0 0 0 rg BT 136.15 407.30 Td (and ) Tj ET Q q 0 0 0 rg BT 153.09 407.30 Td (balances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 389.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 97.65 389.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 131.34 389.30 Td (was ) Tj ET Q q 0 0 0 rg BT 148.39 389.30 Td ($15.4 ) Tj ET Q q 0 0 0 rg BT 172.38 389.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.48 389.30 Td (down ) Tj ET Q q 0 0 0 rg BT 226.19 389.30 Td (3%, ) Tj ET Q q 0 0 0 rg BT 243.51 389.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 270.55 389.30 Td (by ) Tj ET Q q 0 0 0 rg BT 282.04 389.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 306.30 389.30 Td (CIB ) Tj ET Q q 0 0 0 rg BT 324.46 389.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 358.16 389.30 Td (related ) Tj ET Q q 0 0 0 rg BT 386.85 389.30 Td (to ) Tj ET Q q 0 0 0 rg BT 396.12 389.30 Td (compensation ) Tj ET Q q 0 0 0 rg BT 453.15 389.30 Td (and ) Tj ET Q q 0 0 0 rg BT 469.08 389.30 Td (business ) Tj ET Q q 0 0 0 rg BT 504.47 389.30 Td (simplification, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 85.32 377.30 Td (of) Tj ET Q q 0 0 0 rg BT 93.47 377.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 110.41 377.30 Td (by ) Tj ET Q q 0 0 0 rg BT 122.91 377.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 150.96 377.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 172.89 377.30 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 359.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.07 359.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 106.88 359.30 Td (for ) Tj ET Q q 0 0 0 rg BT 120.57 359.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.36 359.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.28 359.30 Td (was ) Tj ET Q q 0 0 0 rg BT 188.86 359.30 Td ($682 ) Tj ET Q q 0 0 0 rg BT 210.89 359.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 244.31 359.30 Td (down ) Tj ET Q q 0 0 0 rg BT 268.56 359.30 Td (10%, ) Tj ET Q q 0 0 0 rg BT 291.41 359.30 Td (due ) Tj ET Q q 0 0 0 rg BT 307.88 359.30 Td (to ) Tj ET Q q 0 0 0 rg BT 317.69 359.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 342.48 359.30 Td (net ) Tj ET Q q 0 0 0 rg BT 356.73 359.30 Td (char) Tj ET Q q 0 0 0 rg BT 373.75 359.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 394.67 359.30 Td (fs, ) Tj ET Q q 0 0 0 rg BT 406.42 359.30 Td (lar) Tj ET Q q 0 0 0 rg BT 416.79 359.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 436.03 359.30 Td (of) Tj ET Q q 0 0 0 rg BT 444.18 359.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 460.65 359.30 Td (by ) Tj ET Q q 0 0 0 rg BT 472.68 359.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 497.47 359.30 Td (reserve ) Tj ET Q q 0 0 0 rg BT 528.37 359.30 Td (releases. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.30 Td (In ) Tj ET Q q 0 0 0 rg BT 62.13 347.30 Td (the ) Tj ET Q q 0 0 0 rg BT 78.64 347.30 Td (current ) Tj ET Q q 0 0 0 rg BT 111.25 347.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 139.17 347.30 Td (, ) Tj ET Q q 0 0 0 rg BT 145.96 347.30 Td (consumer ) Tj ET Q q 0 0 0 rg BT 189.13 347.30 Td (reserve ) Tj ET Q q 0 0 0 rg BT 222.30 347.30 Td (releases ) Tj ET Q q 0 0 0 rg BT 258.24 347.30 Td (of ) Tj ET Q q 0 0 0 rg BT 270.86 347.30 Td ($591 ) Tj ET Q q 0 0 0 rg BT 295.16 347.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 324.05 351.83 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.55 347.30 Td (, ) Tj ET Q q 0 0 0 rg BT 337.35 347.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 379.95 347.30 Td (continued ) Tj ET Q q 0 0 0 rg BT 423.68 347.30 Td (improvement ) Tj ET Q q 0 0 0 rg BT 481.30 347.30 Td (in ) Tj ET Q q 0 0 0 rg BT 493.37 347.30 Td (home ) Tj ET Q q 0 0 0 rg BT 519.89 347.30 Td (prices ) Tj ET Q q 0 0 0 rg BT 548.06 347.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.30 Td (delinquencies, ) Tj ET Q q 0 0 0 rg BT 110.22 335.30 Td (were ) Tj ET Q q 0 0 0 rg BT 132.88 335.30 Td (lar) Tj ET Q q 0 0 0 rg BT 143.25 335.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 163.70 335.30 Td (of) Tj ET Q q 0 0 0 rg BT 171.85 335.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 189.53 335.30 Td (by ) Tj ET Q q 0 0 0 rg BT 202.76 335.30 Td (an ) Tj ET Q q 0 0 0 rg BT 215.44 335.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 251.43 335.30 Td (in ) Tj ET Q q 0 0 0 rg BT 262.44 335.30 Td (reserves ) Tj ET Q q 0 0 0 rg BT 298.44 335.30 Td (across ) Tj ET Q q 0 0 0 rg BT 326.66 335.30 Td (the ) Tj ET Q q 0 0 0 rg BT 342.12 335.30 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 385.34 335.30 Td (businesses ) Tj ET Q q 0 0 0 rg BT 430.80 335.30 Td (of ) Tj ET Q q 0 0 0 rg BT 442.36 335.30 Td ($310 ) Tj ET Q q 0 0 0 rg BT 465.60 335.30 Td (million ) Tj ET Q q 0 0 0 rg BT 497.73 335.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 526.51 335.30 Td (by ) Tj ET Q q 0 0 0 rg BT 539.75 335.30 Td (select ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.30 Td (downgrades, ) Tj ET Q q 0 0 0 rg BT 102.82 323.30 Td (including ) Tj ET Q q 0 0 0 rg BT 143.09 323.30 Td (Oil ) Tj ET Q q 0 0 0 rg BT 158.37 323.30 Td (& ) Tj ET Q q 0 0 0 rg BT 168.65 323.30 Td (Gas.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 305.30 Td (current ) Tj ET Q q 0 0 0 rg BT 98.36 305.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 129.18 305.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 166.65 305.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 181.37 305.30 Td (benefits ) Tj ET Q q 0 0 0 rg BT 215.52 305.30 Td (of ) Tj ET Q q 0 0 0 rg BT 226.35 305.30 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 246.35 305.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 274.96 305.30 Td (due ) Tj ET Q q 0 0 0 rg BT 291.90 305.30 Td (to ) Tj ET Q q 0 0 0 rg BT 302.18 305.30 Td (the ) Tj ET Q q 0 0 0 rg BT 316.90 305.30 Td (resolution ) Tj ET Q q 0 0 0 rg BT 359.39 305.30 Td (of ) Tj ET Q q 0 0 0 rg BT 370.22 305.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 384.94 305.30 Td (audits ) Tj ET Q q 0 0 0 rg BT 411.33 305.30 Td (and ) Tj ET Q q 0 0 0 rg BT 428.26 305.30 Td (the ) Tj ET Q q 0 0 0 rg BT 442.98 305.30 Td (release ) Tj ET Q q 0 0 0 rg BT 473.24 305.30 Td (of ) Tj ET Q q 0 0 0 rg BT 484.07 305.30 Td (deferred ) Tj ET Q q 0 0 0 rg BT 519.87 305.30 Td (taxes.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 285.80 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 278.15 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 270.70 Td (CONSUMER & COMMUNITY BANKING \(CCB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 255.80 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 255.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 255.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 255.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 255.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 255.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 255.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 255.80 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 255.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 255.80 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 240.80 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 240.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 240.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 240.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 240.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 240.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 240.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 240.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 240.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 240.80 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 240.80 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 240.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 180.80 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 180.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 180.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 180.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 180.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 180.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 180.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 180.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 180.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 180.80 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 180.80 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 180.80 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 240.79999999999995 m 423 240.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 240.79999999999995 m 468 240.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 240.79999999999995 m 472 240.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 240.79999999999995 m 517 240.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 240.79999999999995 m 562 240.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 225.79999999999995 m 231 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 225.79999999999995 m 276 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 225.79999999999995 m 280 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 225.79999999999995 m 325 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 225.79999999999995 m 329 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 225.79999999999995 m 374 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 225.79999999999995 m 378 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 225.79999999999995 m 423 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 225.79999999999995 m 468 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 225.79999999999995 m 472 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 225.79999999999995 m 517 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 225.79999999999995 m 276 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 225.79999999999995 m 468 225.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 225.79999999999995 m 562 225.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 180.79999999999995 m 231 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 165.79999999999995 m 231 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 180.79999999999995 m 276 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 165.79999999999995 m 276 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 180.79999999999995 m 280 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 165.79999999999995 m 280 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 180.79999999999995 m 325 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 165.79999999999995 m 325 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 180.79999999999995 m 329 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 165.79999999999995 m 329 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 180.79999999999995 m 374 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 165.79999999999995 m 374 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 180.79999999999995 m 378 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 165.79999999999995 m 378 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 180.79999999999995 m 423 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 165.79999999999995 m 423 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 180.79999999999995 m 468 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 165.79999999999995 m 468 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 180.79999999999995 m 472 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 165.79999999999995 m 472 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 180.79999999999995 m 517 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 165.79999999999995 m 517 165.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 180.79999999999995 m 562 180.79999999999995 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 165.79999999999995 m 562 165.79999999999995 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 245.47 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 245.47 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 245.47 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 230.47 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 230.47 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 230.47 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 230.47 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 230.47 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 230.47 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 230.47 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 230.47 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 216.37 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 215.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 215.47 Td (10,879) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 215.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.60 215.47 Td (11,015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 215.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.60 215.47 Td (11,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 215.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 215.52 Td (\(136) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 215.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 215.47 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 215.47 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 215.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 215.52 Td (\(488) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 215.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 215.47 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 215.47 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 201.37 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 200.47 Td (6,237) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 200.47 Td (6,210) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 200.47 Td (6,305) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 200.47 Td (27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 200.47 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 200.52 Td (\(68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 200.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 200.47 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 200.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 186.37 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 185.47 Td (389) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 185.47 Td (702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 185.47 Td (902) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 185.52 Td (\(313) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 185.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 185.47 Td (\(45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 185.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 185.52 Td (\(513) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 185.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 185.47 Td (\(57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 185.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 171.37 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 170.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 170.47 Td (2,630) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 170.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 170.47 Td (2,533) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 170.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 170.47 Td (2,529) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 170.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 170.47 Td (97) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 170.47 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 170.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 170.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 170.47 Td (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 170.47 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 170.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 148.30 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 148.30 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 148.30 Td (Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 129.80 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 129.80 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 129.80 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 129.80 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 136.42 129.80 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 129.80 Td (an ) Tj ET Q q 0 0 0 rg BT 179.48 129.80 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.73 129.80 Td (of ) Tj ET Q q 0 0 0 rg BT 225.56 129.80 Td (4%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.20 111.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.11 111.30 Td (was ) Tj ET Q q 0 0 0 rg BT 117.92 111.30 Td ($10.9 ) Tj ET Q q 0 0 0 rg BT 142.68 111.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 173.55 111.30 Td (a ) Tj ET Q q 0 0 0 rg BT 180.25 111.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 216.93 111.30 Td (of ) Tj ET Q q 0 0 0 rg BT 227.52 111.30 Td (4%. ) Tj ET Q q 0 0 0 rg BT 245.61 111.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 262.31 111.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 294.00 111.30 Td (income ) Tj ET Q q 0 0 0 rg BT 325.70 111.30 Td (was ) Tj ET Q q 0 0 0 rg BT 343.51 111.30 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 363.27 111.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 394.14 111.30 Td (flat ) Tj ET Q q 0 0 0 rg BT 409.73 111.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 451.41 111.30 Td (to ) Tj ET Q q 0 0 0 rg BT 461.45 111.30 Td (the ) Tj ET Q q 0 0 0 rg BT 475.93 111.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 497.63 111.30 Td (year) Tj ET Q q 0 0 0 rg BT 514.44 111.30 Td (, ) Tj ET Q q 0 0 0 rg BT 519.20 111.30 Td (reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.30 Td (spread ) Tj ET Q q 0 0 0 rg BT 78.07 99.30 Td (compression ) Tj ET Q q 0 0 0 rg BT 131.09 99.30 Td (of) Tj ET Q q 0 0 0 rg BT 139.24 99.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 156.15 99.30 Td (by ) Tj ET Q q 0 0 0 rg BT 168.63 99.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 196.65 99.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 228.01 99.30 Td (and ) Tj ET Q q 0 0 0 rg BT 244.92 99.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 264.61 99.30 Td (balances ) Tj ET Q q 0 0 0 rg BT 301.50 99.30 Td (and ) Tj ET Q q 0 0 0 rg BT 318.42 99.30 Td (a ) Tj ET Q q 0 0 0 rg BT 325.33 99.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 365.56 99.30 Td (in ) Tj ET Q q 0 0 0 rg BT 375.82 99.30 Td (the ) Tj ET Q q 0 0 0 rg BT 390.51 99.30 Td (reserve ) Tj ET Q q 0 0 0 rg BT 421.85 99.30 Td (for ) Tj ET Q q 0 0 0 rg BT 435.98 99.30 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 490.10 99.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 522.00 99.30 Td (and ) Tj ET Q q 0 0 0 rg BT 538.92 99.30 Td (fees. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 87.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 132.80 87.30 Td (was ) Tj ET Q q 0 0 0 rg BT 150.85 87.30 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 170.85 87.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 201.97 87.30 Td (down ) Tj ET Q q 0 0 0 rg BT 226.69 87.30 Td (12%, ) Tj ET Q q 0 0 0 rg BT 250.02 87.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 278.06 87.30 Td (by ) Tj ET Q q 0 0 0 rg BT 290.56 87.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 315.83 87.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 357.21 87.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 393.60 87.30 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 68.80 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 68.80 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 68.80 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 68.80 Td ($6.2 ) Tj ET Q q 0 0 0 rg BT 171.41 68.80 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 68.80 Td (a ) Tj ET Q q 0 0 0 rg BT 209.47 68.80 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.38 68.80 Td (of ) Tj ET Q q 0 0 0 rg BT 257.21 68.80 Td (1%, ) Tj ET Q q 0 0 0 rg BT 275.54 68.80 Td (driven ) Tj ET Q q 0 0 0 rg BT 303.59 68.80 Td (by ) Tj ET Q q 0 0 0 rg BT 316.09 68.80 Td (lower ) Tj ET Q q 0 0 0 rg BT 341.36 68.80 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 382.73 68.80 Td (Banking ) Tj ET Q q 0 0 0 rg BT 419.12 68.80 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 50.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.19 50.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.12 50.30 Td (for ) Tj ET Q q 0 0 0 rg BT 120.93 50.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.84 50.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.88 50.30 Td (was ) Tj ET Q q 0 0 0 rg BT 189.58 50.30 Td ($389 ) Tj ET Q q 0 0 0 rg BT 211.72 50.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 245.26 50.30 Td (a ) Tj ET Q q 0 0 0 rg BT 251.85 50.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 288.41 50.30 Td (of ) Tj ET Q q 0 0 0 rg BT 298.89 50.30 Td (57%, ) Tj ET Q q 0 0 0 rg BT 321.87 50.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 349.56 50.30 Td (by ) Tj ET Q q 0 0 0 rg BT 361.71 50.30 Td (a ) Tj ET Q q 0 0 0 rg BT 368.29 50.30 Td (lar) Tj ET Q q 0 0 0 rg BT 378.66 50.30 Td (ger ) Tj ET Q q 0 0 0 rg BT 393.58 50.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 433.49 50.30 Td (in ) Tj ET Q q 0 0 0 rg BT 443.41 50.30 Td (the ) Tj ET Q q 0 0 0 rg BT 457.78 50.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 500.46 50.30 Td (for ) Tj ET Q q 0 0 0 rg BT 514.26 50.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 533.63 50.30 Td (losses ) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 740.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 740.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 91.71 740.10 Td (net ) Tj ET Q q 0 0 0 rg BT 106.42 740.10 Td (char) Tj ET Q q 0 0 0 rg BT 123.45 740.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 144.37 740.10 Td (fs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 721.60 Td (Consumer) Tj ET Q q 0 0 0 rg BT 93.76 721.60 Td ( ) Tj ET Q q 0 0 0 rg BT 96.26 721.60 Td (& ) Tj ET Q q 0 0 0 rg BT 107.09 721.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 146.28 721.60 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.91 721.60 Td (net ) Tj ET Q q 0 0 0 rg BT 199.63 721.60 Td (income ) Tj ET Q q 0 0 0 rg BT 231.56 721.60 Td (was ) Tj ET Q q 0 0 0 rg BT 249.61 721.60 Td ($954 ) Tj ET Q q 0 0 0 rg BT 272.11 721.60 Td (million, ) Tj ET Q q 0 0 0 rg BT 306.00 721.60 Td (an ) Tj ET Q q 0 0 0 rg BT 317.94 721.60 Td (increase ) Tj ET Q q 0 0 0 rg BT 353.20 721.60 Td (of ) Tj ET Q q 0 0 0 rg BT 364.03 721.60 Td (3%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 703.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.82 703.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.35 703.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.78 703.10 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 136.17 703.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 166.66 703.10 Td (down ) Tj ET Q q 0 0 0 rg BT 190.76 703.10 Td (2%. ) Tj ET Q q 0 0 0 rg BT 208.48 703.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 224.80 703.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 256.11 703.10 Td (income ) Tj ET Q q 0 0 0 rg BT 287.43 703.10 Td (was ) Tj ET Q q 0 0 0 rg BT 304.86 703.10 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 324.25 703.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 354.74 703.10 Td (down ) Tj ET Q q 0 0 0 rg BT 378.85 703.10 Td (7%, ) Tj ET Q q 0 0 0 rg BT 396.56 703.10 Td (due ) Tj ET Q q 0 0 0 rg BT 412.88 703.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.54 703.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 450.52 703.10 Td (compression, ) Tj ET Q q 0 0 0 rg BT 505.45 703.10 Td (lar) Tj ET Q q 0 0 0 rg BT 515.82 703.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 534.92 703.10 Td (of) Tj ET Q q 0 0 0 rg BT 543.06 703.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 691.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.67 691.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 89.38 691.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 120.43 691.10 Td (balances. ) Tj ET Q q 0 0 0 rg BT 159.53 691.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 208.35 691.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 242.16 691.10 Td (was ) Tj ET Q q 0 0 0 rg BT 259.88 691.10 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 279.55 691.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 310.33 691.10 Td (up ) Tj ET Q q 0 0 0 rg BT 322.49 691.10 Td (5%, ) Tj ET Q q 0 0 0 rg BT 340.49 691.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 368.20 691.10 Td (by ) Tj ET Q q 0 0 0 rg BT 380.37 691.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 408.08 691.10 Td (deposit-related ) Tj ET Q q 0 0 0 rg BT 469.67 691.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 490.44 691.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 518.15 691.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 540.31 691.10 Td (card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 679.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 83.65 679.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.58 679.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 128.63 679.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 175.01 679.10 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 660.60 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 660.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 660.60 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 660.60 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 171.41 660.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 660.60 Td (a ) Tj ET Q q 0 0 0 rg BT 209.47 660.60 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.38 660.60 Td (of ) Tj ET Q q 0 0 0 rg BT 257.21 660.60 Td (3%, ) Tj ET Q q 0 0 0 rg BT 275.54 660.60 Td (driven ) Tj ET Q q 0 0 0 rg BT 303.59 660.60 Td (by ) Tj ET Q q 0 0 0 rg BT 316.09 660.60 Td (branch ) Tj ET Q q 0 0 0 rg BT 345.79 660.60 Td (ef) Tj ET Q q 0 0 0 rg BT 353.38 660.60 Td (ficiencies.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 642.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 93.65 642.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.78 642.10 Td ( ) Tj ET Q q 0 0 0 rg BT 132.28 642.10 Td (net ) Tj ET Q q 0 0 0 rg BT 147.00 642.10 Td (income ) Tj ET Q q 0 0 0 rg BT 178.93 642.10 Td (was ) Tj ET Q q 0 0 0 rg BT 196.98 642.10 Td ($602 ) Tj ET Q q 0 0 0 rg BT 219.48 642.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 253.37 642.10 Td (an ) Tj ET Q q 0 0 0 rg BT 265.31 642.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 300.56 642.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.39 642.10 Td (29%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 623.60 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.33 623.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.36 623.60 Td (was ) Tj ET Q q 0 0 0 rg BT 118.30 623.60 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 138.19 623.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 169.19 623.60 Td (a ) Tj ET Q q 0 0 0 rg BT 176.01 623.60 Td (decrease ) Tj ET Q q 0 0 0 rg BT 212.82 623.60 Td (of ) Tj ET Q q 0 0 0 rg BT 223.53 623.60 Td (23%, ) Tj ET Q q 0 0 0 rg BT 246.75 623.60 Td (driven ) Tj ET Q q 0 0 0 rg BT 274.69 623.60 Td (by ) Tj ET Q q 0 0 0 rg BT 287.07 623.60 Td (lower ) Tj ET Q q 0 0 0 rg BT 312.23 623.60 Td (net ) Tj ET Q q 0 0 0 rg BT 326.83 623.60 Td (servicing ) Tj ET Q q 0 0 0 rg BT 365.88 623.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 399.91 623.60 Td (and ) Tj ET Q q 0 0 0 rg BT 416.74 623.60 Td (the ) Tj ET Q q 0 0 0 rg BT 431.34 623.60 Td (absence ) Tj ET Q q 0 0 0 rg BT 465.37 623.60 Td (of ) Tj ET Q q 0 0 0 rg BT 476.09 623.60 Td (a ) Tj ET Q q 0 0 0 rg BT 482.92 623.60 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 540.28 623.60 Td (gain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 611.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 85.32 611.60 Td (in ) Tj ET Q q 0 0 0 rg BT 95.59 611.60 Td (the ) Tj ET Q q 0 0 0 rg BT 110.31 611.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 132.25 611.60 Td (year) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.7529411764705882 0.3137254901960784 0.30196078431372547 rg BT 148.90 611.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 49.50 593.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 593.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 593.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 593.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 171.41 593.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 593.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.47 593.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.38 593.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.21 593.10 Td (13%, ) Tj ET Q q 0 0 0 rg BT 280.54 593.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 321.35 593.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 366.62 593.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 406.89 593.10 Td (ef) Tj ET Q q 0 0 0 rg BT 414.48 593.10 Td (ficiencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.60 Td (The ) Tj ET Q q 0 0 0 rg BT 67.35 574.60 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.43 574.60 Td (for ) Tj ET Q q 0 0 0 rg BT 121.40 574.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 146.46 574.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 172.66 574.60 Td (was ) Tj ET Q q 0 0 0 rg BT 190.51 574.60 Td (a ) Tj ET Q q 0 0 0 rg BT 197.26 574.60 Td (benefit ) Tj ET Q q 0 0 0 rg BT 227.32 574.60 Td (of ) Tj ET Q q 0 0 0 rg BT 237.96 574.60 Td ($534 ) Tj ET Q q 0 0 0 rg BT 260.26 574.60 Td (million, ) Tj ET Q q 0 0 0 rg BT 293.96 574.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 335.68 574.60 Td (with ) Tj ET Q q 0 0 0 rg BT 355.77 574.60 Td (a ) Tj ET Q q 0 0 0 rg BT 362.51 574.60 Td (benefit ) Tj ET Q q 0 0 0 rg BT 392.58 574.60 Td (of ) Tj ET Q q 0 0 0 rg BT 403.21 574.60 Td ($19 ) Tj ET Q q 0 0 0 rg BT 420.51 574.60 Td (million ) Tj ET Q q 0 0 0 rg BT 451.71 574.60 Td (in ) Tj ET Q q 0 0 0 rg BT 461.79 574.60 Td (the ) Tj ET Q q 0 0 0 rg BT 476.31 574.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 498.05 574.60 Td (year) Tj ET Q q 0 0 0 rg BT 514.86 574.60 Td (, ) Tj ET Q q 0 0 0 rg BT 519.66 574.60 Td (driven ) Tj ET Q q 0 0 0 rg BT 547.51 574.60 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.60 Td (a ) Tj ET Q q 0 0 0 rg BT 57.30 562.60 Td (lar) Tj ET Q q 0 0 0 rg BT 67.67 562.60 Td (ger ) Tj ET Q q 0 0 0 rg BT 83.80 562.60 Td (reduction ) Tj ET Q q 0 0 0 rg BT 124.93 562.60 Td (in ) Tj ET Q q 0 0 0 rg BT 136.08 562.60 Td (the ) Tj ET Q q 0 0 0 rg BT 151.66 562.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 195.56 562.60 Td (for ) Tj ET Q q 0 0 0 rg BT 210.58 562.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 231.17 562.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 258.42 562.60 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 300.10 562.60 Td (continued ) Tj ET Q q 0 0 0 rg BT 342.90 562.60 Td (improvement ) Tj ET Q q 0 0 0 rg BT 399.59 562.60 Td (in ) Tj ET Q q 0 0 0 rg BT 410.73 562.60 Td (home ) Tj ET Q q 0 0 0 rg BT 436.31 562.60 Td (prices ) Tj ET Q q 0 0 0 rg BT 463.56 562.60 Td (and ) Tj ET Q q 0 0 0 rg BT 481.36 562.60 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 541.96 562.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.60 Td (current ) Tj ET Q q 0 0 0 rg BT 80.38 550.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 111.27 550.60 Td (provision ) Tj ET Q q 0 0 0 rg BT 151.61 550.60 Td (reflected ) Tj ET Q q 0 0 0 rg BT 189.15 550.60 Td (an ) Tj ET Q q 0 0 0 rg BT 201.16 550.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 244.26 550.60 Td (reduction ) Tj ET Q q 0 0 0 rg BT 284.59 550.60 Td (of ) Tj ET Q q 0 0 0 rg BT 295.49 550.60 Td ($575 ) Tj ET Q q 0 0 0 rg BT 318.06 550.60 Td (million, ) Tj ET Q q 0 0 0 rg BT 352.02 550.60 Td (of ) Tj ET Q q 0 0 0 rg BT 362.92 550.60 Td (which ) Tj ET Q q 0 0 0 rg BT 389.92 550.60 Td ($375 ) Tj ET Q q 0 0 0 rg BT 412.49 550.60 Td (million ) Tj ET Q q 0 0 0 rg BT 443.95 550.60 Td (was ) Tj ET Q q 0 0 0 rg BT 462.07 550.60 Td (related ) Tj ET Q q 0 0 0 rg BT 491.84 550.60 Td (to ) Tj ET Q q 0 0 0 rg BT 502.19 550.60 Td (the ) Tj ET Q q 0 0 0 rg BT 516.98 550.60 Td (purchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.60 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 113.64 538.60 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 151.13 538.60 Td (and ) Tj ET Q q 0 0 0 rg BT 168.07 538.60 Td ($200 ) Tj ET Q q 0 0 0 rg BT 190.57 538.60 Td (million ) Tj ET Q q 0 0 0 rg BT 221.96 538.60 Td (was ) Tj ET Q q 0 0 0 rg BT 240.01 538.60 Td (related ) Tj ET Q q 0 0 0 rg BT 269.71 538.60 Td (to ) Tj ET Q q 0 0 0 rg BT 279.99 538.60 Td (the ) Tj ET Q q 0 0 0 rg BT 294.71 538.60 Td (non ) Tj ET Q q 0 0 0 rg BT 312.21 538.60 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 376.35 538.60 Td (portfolio. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 518.85 Td (Card, ) Tj ET Q q 0 0 0 rg BT 76.72 518.85 Td (Commer) Tj ET Q q 0 0 0 rg BT 114.30 518.85 Td (ce ) Tj ET Q q 0 0 0 rg BT 125.68 518.85 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 167.64 518.85 Td (& ) Tj ET Q q 0 0 0 rg BT 177.92 518.85 Td (Auto) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 199.03 523.38 Td (14) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 205.53 518.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.03 518.85 Td (net ) Tj ET Q q 0 0 0 rg BT 221.75 518.85 Td (income ) Tj ET Q q 0 0 0 rg BT 253.68 518.85 Td (was ) Tj ET Q q 0 0 0 rg BT 271.73 518.85 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 291.73 518.85 Td (billion, ) Tj ET Q q 0 0 0 rg BT 322.85 518.85 Td (a ) Tj ET Q q 0 0 0 rg BT 329.78 518.85 Td (decrease ) Tj ET Q q 0 0 0 rg BT 366.70 518.85 Td (of ) Tj ET Q q 0 0 0 rg BT 377.53 518.85 Td (6%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 500.35 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.43 500.35 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.57 500.35 Td (was ) Tj ET Q q 0 0 0 rg BT 118.61 500.35 Td ($4.8 ) Tj ET Q q 0 0 0 rg BT 138.61 500.35 Td (billion, ) Tj ET Q q 0 0 0 rg BT 169.71 500.35 Td (an ) Tj ET Q q 0 0 0 rg BT 181.64 500.35 Td (increase ) Tj ET Q q 0 0 0 rg BT 216.89 500.35 Td (of ) Tj ET Q q 0 0 0 rg BT 227.71 500.35 Td (2%. ) Tj ET Q q 0 0 0 rg BT 246.04 500.35 Td (Net ) Tj ET Q q 0 0 0 rg BT 262.97 500.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 294.89 500.35 Td (income ) Tj ET Q q 0 0 0 rg BT 326.82 500.35 Td (was ) Tj ET Q q 0 0 0 rg BT 344.86 500.35 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 364.86 500.35 Td (billion, ) Tj ET Q q 0 0 0 rg BT 395.96 500.35 Td (an ) Tj ET Q q 0 0 0 rg BT 407.89 500.35 Td (increase ) Tj ET Q q 0 0 0 rg BT 443.14 500.35 Td (of ) Tj ET Q q 0 0 0 rg BT 453.96 500.35 Td (4%, ) Tj ET Q q 0 0 0 rg BT 472.29 500.35 Td (driven ) Tj ET Q q 0 0 0 rg BT 500.33 500.35 Td (by ) Tj ET Q q 0 0 0 rg BT 512.82 500.35 Td (a ) Tj ET Q q 0 0 0 rg BT 519.75 500.35 Td (reduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 488.35 Td (in ) Tj ET Q q 0 0 0 rg BT 59.16 488.35 Td (the ) Tj ET Q q 0 0 0 rg BT 73.25 488.35 Td (reserve ) Tj ET Q q 0 0 0 rg BT 103.99 488.35 Td (for ) Tj ET Q q 0 0 0 rg BT 117.53 488.35 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 171.06 488.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 202.37 488.35 Td (and ) Tj ET Q q 0 0 0 rg BT 218.68 488.35 Td (fees, ) Tj ET Q q 0 0 0 rg BT 239.16 488.35 Td (and ) Tj ET Q q 0 0 0 rg BT 255.47 488.35 Td (higher ) Tj ET Q q 0 0 0 rg BT 282.90 488.35 Td (loan ) Tj ET Q q 0 0 0 rg BT 301.99 488.35 Td (balances. ) Tj ET Q q 0 0 0 rg BT 340.79 488.35 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 389.33 488.35 Td (revenue ) Tj ET Q q 0 0 0 rg BT 422.85 488.35 Td (was ) Tj ET Q q 0 0 0 rg BT 440.28 488.35 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 459.66 488.35 Td (billion, ) Tj ET Q q 0 0 0 rg BT 490.15 488.35 Td (down ) Tj ET Q q 0 0 0 rg BT 514.25 488.35 Td (4%, ) Tj ET Q q 0 0 0 rg BT 531.95 488.35 Td (driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 476.35 Td (by ) Tj ET Q q 0 0 0 rg BT 61.38 476.35 Td (the ) Tj ET Q q 0 0 0 rg BT 75.48 476.35 Td (impact ) Tj ET Q q 0 0 0 rg BT 104.57 476.35 Td (of ) Tj ET Q q 0 0 0 rg BT 114.78 476.35 Td (changes ) Tj ET Q q 0 0 0 rg BT 148.87 476.35 Td (to ) Tj ET Q q 0 0 0 rg BT 158.52 476.35 Td (co-brand ) Tj ET Q q 0 0 0 rg BT 195.94 476.35 Td (partnerships ) Tj ET Q q 0 0 0 rg BT 246.70 476.35 Td (and ) Tj ET Q q 0 0 0 rg BT 263.02 476.35 Td (higher ) Tj ET Q q 0 0 0 rg BT 290.44 476.35 Td (amortization ) Tj ET Q q 0 0 0 rg BT 342.86 476.35 Td (of ) Tj ET Q q 0 0 0 rg BT 353.07 476.35 Td (new ) Tj ET Q q 0 0 0 rg BT 371.61 476.35 Td (account ) Tj ET Q q 0 0 0 rg BT 404.58 476.35 Td (origination ) Tj ET Q q 0 0 0 rg BT 450.34 476.35 Td (costs, ) Tj ET Q q 0 0 0 rg BT 474.72 476.35 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 534.92 476.35 Td (of) Tj ET Q q 0 0 0 rg BT 543.07 476.35 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 464.35 Td (by ) Tj ET Q q 0 0 0 rg BT 62.00 464.35 Td (higher ) Tj ET Q q 0 0 0 rg BT 90.05 464.35 Td (auto ) Tj ET Q q 0 0 0 rg BT 109.76 464.35 Td (lease ) Tj ET Q q 0 0 0 rg BT 132.25 464.35 Td (and ) Tj ET Q q 0 0 0 rg BT 149.19 464.35 Td (card ) Tj ET Q q 0 0 0 rg BT 168.89 464.35 Td (sales ) Tj ET Q q 0 0 0 rg BT 190.83 464.35 Td (volumes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 445.85 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 445.85 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 445.85 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 445.85 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 171.41 445.85 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 445.85 Td (up ) Tj ET Q q 0 0 0 rg BT 215.03 445.85 Td (8%, ) Tj ET Q q 0 0 0 rg BT 233.36 445.85 Td (driven ) Tj ET Q q 0 0 0 rg BT 261.40 445.85 Td (by ) Tj ET Q q 0 0 0 rg BT 273.90 445.85 Td (higher ) Tj ET Q q 0 0 0 rg BT 301.95 445.85 Td (auto ) Tj ET Q q 0 0 0 rg BT 321.67 445.85 Td (lease ) Tj ET Q q 0 0 0 rg BT 344.15 445.85 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 396.07 445.85 Td (and ) Tj ET Q q 0 0 0 rg BT 413.01 445.85 Td (higher ) Tj ET Q q 0 0 0 rg BT 441.06 445.85 Td (marketing ) Tj ET Q q 0 0 0 rg BT 484.10 445.85 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.35 Td (The ) Tj ET Q q 0 0 0 rg BT 66.94 427.35 Td (provision ) Tj ET Q q 0 0 0 rg BT 106.62 427.35 Td (for ) Tj ET Q q 0 0 0 rg BT 120.18 427.35 Td (credit ) Tj ET Q q 0 0 0 rg BT 144.84 427.35 Td (losses ) Tj ET Q q 0 0 0 rg BT 170.63 427.35 Td (was ) Tj ET Q q 0 0 0 rg BT 188.07 427.35 Td ($873 ) Tj ET Q q 0 0 0 rg BT 209.97 427.35 Td (million, ) Tj ET Q q 0 0 0 rg BT 243.26 427.35 Td (an ) Tj ET Q q 0 0 0 rg BT 254.60 427.35 Td (increase ) Tj ET Q q 0 0 0 rg BT 289.25 427.35 Td (of ) Tj ET Q q 0 0 0 rg BT 299.47 427.35 Td (3%, ) Tj ET Q q 0 0 0 rg BT 317.20 427.35 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 357.41 427.35 Td (a ) Tj ET Q q 0 0 0 rg BT 363.74 427.35 Td (smaller ) Tj ET Q q 0 0 0 rg BT 395.07 427.35 Td (reduction ) Tj ET Q q 0 0 0 rg BT 434.73 427.35 Td (in ) Tj ET Q q 0 0 0 rg BT 444.41 427.35 Td (the ) Tj ET Q q 0 0 0 rg BT 458.52 427.35 Td (allowance ) Tj ET Q q 0 0 0 rg BT 500.95 427.35 Td (for ) Tj ET Q q 0 0 0 rg BT 514.51 427.35 Td (loan ) Tj ET Q q 0 0 0 rg BT 533.62 427.35 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 415.35 Td (lar) Tj ET Q q 0 0 0 rg BT 59.87 415.35 Td (gely ) Tj ET Q q 0 0 0 rg BT 79.58 415.35 Td (of) Tj ET Q q 0 0 0 rg BT 87.73 415.35 Td (fset ) Tj ET Q q 0 0 0 rg BT 104.67 415.35 Td (by ) Tj ET Q q 0 0 0 rg BT 117.17 415.35 Td (lower ) Tj ET Q q 0 0 0 rg BT 142.44 415.35 Td (net ) Tj ET Q q 0 0 0 rg BT 157.16 415.35 Td (char) Tj ET Q q 0 0 0 rg BT 174.18 415.35 Td (ge-of) Tj ET Q q 0 0 0 rg BT 195.10 415.35 Td (fs.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 404.85 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 397.20 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 389.75 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 389.75 Td (TE & INVESTMENT) Tj ET Q q 1 1 1 rg BT 210.39 389.75 Td ( BANK \(CIB\)) Tj ET Q BT /F2 11.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 274.56 402.18 3.57 -9.82 re f /GS0 gs BT /F2 7.15 Tf ET q 1 1 1 rg BT 274.56 394.73 Td (9) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 374.85 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 374.85 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 374.85 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 374.85 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 374.85 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 374.85 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 374.85 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 374.85 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 374.85 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 374.85 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 359.85 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 359.85 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 359.85 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 359.85 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 359.85 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 359.85 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 359.85 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 359.85 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 359.85 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 359.85 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 359.85 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 359.85 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 299.85 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 299.85 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 299.85 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 299.85 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 299.85 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 299.85 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 299.85 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 299.85 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 299.85 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 299.85 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 299.85 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 299.85 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 359.85 m 423 359.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 359.85 m 468 359.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 359.85 m 472 359.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 359.85 m 517 359.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 359.85 m 562 359.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 344.85 m 231 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 344.85 m 276 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 344.85 m 280 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 344.85 m 325 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 344.85 m 329 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 344.85 m 374 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 344.85 m 378 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 344.85 m 423 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 344.85 m 468 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 344.85 m 472 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 344.85 m 517 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 344.85 m 562 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 344.85 m 276 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 344.85 m 280 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 344.85 m 325 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 344.85 m 329 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 344.85 m 374 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 344.85 m 378 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 344.85 m 423 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 344.85 m 468 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 344.85 m 472 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 344.85 m 517 344.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 344.85 m 562 344.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 299.85 m 231 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 284.85 m 231 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 299.85 m 276 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 284.85 m 276 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 299.85 m 280 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 284.85 m 280 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 299.85 m 325 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 284.85 m 325 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 299.85 m 329 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 284.85 m 329 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 299.85 m 374 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 284.85 m 374 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 299.85 m 378 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 284.85 m 378 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 299.85 m 423 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 284.85 m 423 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 299.85 m 468 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 284.85 m 468 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 299.85 m 472 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 284.85 m 472 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 299.85 m 517 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 284.85 m 517 284.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 299.85 m 562 299.85 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 284.85 m 562 284.85 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 364.52 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 364.52 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 364.52 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 349.52 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 349.52 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 349.52 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 349.52 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 349.52 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 349.52 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 349.52 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 349.52 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 335.42 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 334.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 334.52 Td (8,168) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 334.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 334.52 Td (8,723) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 334.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 334.52 Td (9,105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 334.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 334.57 Td (\(555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 334.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 334.52 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 334.52 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 334.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 334.57 Td (\(937) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 334.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 334.52 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 334.52 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 320.42 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 319.52 Td (6,131) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 319.52 Td (5,137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 319.52 Td (6,035) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 319.52 Td (994) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 319.52 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 319.52 Td (96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 319.52 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 305.42 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 304.52 Td (232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 304.52 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 304.57 Td (\(67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 304.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 304.52 Td (182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.80 304.52 Td (364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 304.52 Td (299) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 304.52 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 290.42 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 289.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 289.52 Td (1,464) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 289.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 289.52 Td (2,341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 289.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 289.52 Td (1,680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 289.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 289.57 Td (\(877) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 289.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 289.52 Td (\(37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 289.52 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 289.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 289.57 Td (\(216) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 289.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 289.52 Td (\(13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 289.52 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 267.35 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.35 Td (Net income was $1.5 billion, a decrease of 13%. Net revenue was $8.2 billion, a decrease of 10%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.35 Td (Banking revenue) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 117.53 223.88 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 124.03 219.35 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.03 219.35 Td (was $2.8 billion, up 2%. Investment Banking revenue was $1.5 billion, up 5%, on higher debt underwriting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.35 Td (fees and higher advisory fees, lar) Tj ET Q q 0 0 0 rg BT 181.49 207.35 Td (gely of) Tj ET Q q 0 0 0 rg BT 209.35 207.35 Td (fset by lower equity underwriting fees compared to a strong quarter in the prior year) Tj ET Q q 0 0 0 rg BT 545.51 207.35 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.35 Td (especially in EMEA. ) Tj ET Q q 0 0 0 rg BT 135.41 195.35 Td (The business continued to rank #1 in Global Investment Banking fees in third-quarter 2015. ) Tj ET Q q 0 0 0 rg BT 504.87 195.35 Td (T) Tj ET Q q 0 0 0 rg BT 510.63 195.35 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.35 Td (Services revenue) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 117.52 187.88 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.02 183.35 Td ( was $899 million, down 4%, reflecting lower net interest income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.35 Td (Markets & Investor Services) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.19 159.35 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.19 159.35 Td (revenue) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 197.84 163.88 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.34 159.35 Td ( was $5.4 billion, down 16%. Excluding the revenue decline related to business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.35 Td (simplification, total Markets revenue would have been down 6%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 308.04 151.88 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.29 147.35 Td (, and Fixed Income Markets revenue would have been down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.35 Td (1) Tj ET Q q 0 0 0 rg BT 54.13 135.35 Td (1%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 67.46 139.88 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.71 135.35 Td (.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 73.21 139.43 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.67 135.35 Td (Fixed Income Markets revenue reflected lower revenue in Commodities and continued weakness in Credit, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.35 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 123.35 Td (fset by strength in Currencies & Emer) Tj ET Q q 0 0 0 rg BT 209.65 123.35 Td (ging Markets; and also reflected higher interest costs on higher long-term debt. Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.35 Td (Markets revenue was $1.4 billion, up 9%, with strong performance across derivatives and cash driven by higher client volumes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.35 Td (Noninterest expense was $6.1 billion, up 2%, as higher legal expense was of) Tj ET Q q 0 0 0 rg BT 355.08 87.35 Td (fset by lower compensation expense and the benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.35 Td (from business simplification.) 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 303.50 33.60 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 740.10 Td (The provision for credit losses was $232 million, up $299 million from the prior year) Tj ET Q q 0 0 0 rg BT 389.88 740.10 Td (, reflecting higher reserves driven by Oil ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (& Gas.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 708.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 52.50 693.50 Td (COMMERCIAL BANKING \(CB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 678.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 678.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 678.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 678.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 678.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 678.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 678.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 678.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 678.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 678.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 663.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 663.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 663.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 663.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 663.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 663.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 663.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 663.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 663.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 663.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 663.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 663.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 603.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 603.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 603.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 603.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 603.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 603.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 603.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 603.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 603.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 603.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 603.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 603.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 663.6 m 423 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 663.6 m 468 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 663.6 m 472 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 663.6 m 517 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 663.6 m 562 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 648.6 m 231 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 648.6 m 276 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 648.6 m 280 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 648.6 m 325 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 648.6 m 329 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 648.6 m 374 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 648.6 m 378 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 648.6 m 423 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 648.6 m 468 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 648.6 m 472 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 648.6 m 517 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 648.6 m 562 648.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 603.6 m 231 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 588.6 m 231 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 603.6 m 276 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 588.6 m 276 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 603.6 m 280 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 588.6 m 280 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 603.6 m 325 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 588.6 m 325 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 603.6 m 329 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 588.6 m 329 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 603.6 m 374 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 588.6 m 374 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 603.6 m 378 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 588.6 m 378 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 603.6 m 423 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 588.6 m 423 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 603.6 m 468 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 588.6 m 468 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 603.6 m 472 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 588.6 m 472 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 603.6 m 517 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 588.6 m 517 588.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 603.6 m 562 603.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 588.6 m 562 588.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 668.27 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 668.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 668.27 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 653.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 653.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 653.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 653.27 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 653.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 653.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 653.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 653.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 639.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 638.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 638.27 Td (1,644) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 638.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 638.27 Td (1,739) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 638.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 638.27 Td (1,703) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 638.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 638.32 Td (\(95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 638.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 638.27 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 638.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 638.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 638.32 Td (\(59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 638.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 638.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 638.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 624.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 623.27 Td (719) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 623.27 Td (703) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 623.27 Td (668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 623.27 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 623.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 623.27 Td (51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 623.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 609.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 608.27 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 608.27 Td (182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 608.32 Td (\(79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 608.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 608.32 Td (\(100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 608.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 608.27 Td (\(55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 608.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 608.27 Td (161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 608.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 594.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 593.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 593.27 Td (518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 593.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 593.27 Td (525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 593.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 593.27 Td (671) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 593.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 593.32 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 593.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 593.27 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 593.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 593.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 593.32 Td (\(153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 593.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 593.27 Td (\(23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 593.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 571.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 571.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 571.10 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 559.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 559.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 559.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 559.10 Td ($518 ) Tj ET Q q 0 0 0 rg BT 138.92 559.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 559.10 Td (a ) Tj ET Q q 0 0 0 rg BT 179.75 559.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 216.67 559.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.50 559.10 Td (23%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 541.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.78 541.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.26 541.10 Td (was ) Tj ET Q q 0 0 0 rg BT 119.65 541.10 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 139.99 541.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.44 541.10 Td (down ) Tj ET Q q 0 0 0 rg BT 196.50 541.10 Td (3%, ) Tj ET Q q 0 0 0 rg BT 215.17 541.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 243.55 541.10 Td (by ) Tj ET Q q 0 0 0 rg BT 256.39 541.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 279.23 541.10 Td (compression ) Tj ET Q q 0 0 0 rg BT 332.61 541.10 Td (in ) Tj ET Q q 0 0 0 rg BT 343.23 541.10 Td (both ) Tj ET Q q 0 0 0 rg BT 363.85 541.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 387.79 541.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.07 541.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 440.69 541.10 Td (and ) Tj ET Q q 0 0 0 rg BT 457.96 541.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 483.57 541.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 530.29 541.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 529.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 86.04 529.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 121.76 529.10 Td (of) Tj ET Q q 0 0 0 rg BT 129.91 529.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 146.74 529.10 Td (by ) Tj ET Q q 0 0 0 rg BT 159.14 529.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 187.08 529.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 219.47 529.10 Td (balances. ) Tj ET Q q 0 0 0 rg BT 258.79 529.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 275.63 529.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 309.67 529.10 Td (was ) Tj ET Q q 0 0 0 rg BT 327.62 529.10 Td (down ) Tj ET Q q 0 0 0 rg BT 352.24 529.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 367.96 529.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 396.08 529.10 Td (-over) Tj ET Q q 0 0 0 rg BT 416.98 529.10 Td (-quarter) Tj ET Q q 0 0 0 rg BT 448.22 529.10 Td (, ) Tj ET Q q 0 0 0 rg BT 453.12 529.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 481.06 529.10 Td (by ) Tj ET Q q 0 0 0 rg BT 493.46 529.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 518.63 529.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 517.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.22 517.10 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 499.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.24 499.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 132.53 499.10 Td (was ) Tj ET Q q 0 0 0 rg BT 150.16 499.10 Td ($719 ) Tj ET Q q 0 0 0 rg BT 172.24 499.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 205.72 499.10 Td (up ) Tj ET Q q 0 0 0 rg BT 217.80 499.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 235.71 499.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 263.34 499.10 Td (by ) Tj ET Q q 0 0 0 rg BT 275.43 499.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 303.05 499.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 349.02 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 358.88 499.10 Td (controls, ) Tj ET Q q 0 0 0 rg BT 395.68 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.20 499.10 Td (was ) Tj ET Q q 0 0 0 rg BT 429.83 499.10 Td (lar) Tj ET Q q 0 0 0 rg BT 440.20 499.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 459.50 499.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 474.91 499.10 Td (from ) Tj ET Q q 0 0 0 rg BT 496.43 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.73 499.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 532.25 499.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 560.01 499.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 481.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.39 481.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.52 481.10 Td (for ) Tj ET Q q 0 0 0 rg BT 121.52 481.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 146.63 481.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 172.87 481.10 Td (was ) Tj ET Q q 0 0 0 rg BT 190.76 481.10 Td ($82 ) Tj ET Q q 0 0 0 rg BT 208.11 481.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 241.85 481.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 282.50 481.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 310.39 481.10 Td (reserves, ) Tj ET Q q 0 0 0 rg BT 348.00 481.10 Td (including ) Tj ET Q q 0 0 0 rg BT 388.12 481.10 Td (a ) Tj ET Q q 0 0 0 rg BT 394.90 481.10 Td (modest ) Tj ET Q q 0 0 0 rg BT 426.13 481.10 Td (build ) Tj ET Q q 0 0 0 rg BT 449.03 481.10 Td (for ) Tj ET Q q 0 0 0 rg BT 463.04 481.10 Td (Oil ) Tj ET Q q 0 0 0 rg BT 478.16 481.10 Td (& ) Tj ET Q q 0 0 0 rg BT 488.29 481.10 Td (Gas; ) Tj ET Q q 0 0 0 rg BT 508.96 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.52 481.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 545.31 481.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 469.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 80.32 469.10 Td (was ) Tj ET Q q 0 0 0 rg BT 98.37 469.10 Td (a ) Tj ET Q q 0 0 0 rg BT 105.31 469.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 135.57 469.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.40 469.10 Td ($79 ) Tj ET Q q 0 0 0 rg BT 163.90 469.10 Td (million.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 449.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 441.95 148.71 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 434.50 Td (ASSET MANAGEMENT \(AM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 419.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 419.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 419.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 419.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 419.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 419.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 419.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 419.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 419.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 419.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 404.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 404.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 404.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 404.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 404.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 404.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 404.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 344.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 344.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 344.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 344.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 344.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 344.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 344.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 344.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 344.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 344.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 344.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 344.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 404.6 m 423 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 404.6 m 468 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 404.6 m 472 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 404.6 m 517 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 404.6 m 562 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 389.6 m 231 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 389.6 m 276 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 389.6 m 280 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 389.6 m 325 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 389.6 m 329 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 389.6 m 374 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 389.6 m 378 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 389.6 m 423 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 389.6 m 468 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 389.6 m 472 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 389.6 m 517 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 389.6 m 562 389.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 344.6 m 231 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 329.6 m 231 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 344.6 m 276 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 329.6 m 276 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 344.6 m 280 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 329.6 m 280 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 344.6 m 325 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 329.6 m 325 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 344.6 m 329 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 329.6 m 329 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 344.6 m 374 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 329.6 m 374 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 344.6 m 378 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 329.6 m 378 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 344.6 m 423 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 329.6 m 423 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 344.6 m 468 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 329.6 m 468 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 344.6 m 472 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 329.6 m 472 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 344.6 m 517 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 329.6 m 517 329.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 344.6 m 562 344.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 329.6 m 562 329.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 409.27 Td (Results for AM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 409.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 409.27 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 394.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 394.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 394.27 Td (2Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 394.27 Td (3Q14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 394.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 394.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 394.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 394.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 380.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 379.27 Td (2,894) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 379.27 Td (3,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 379.27 Td (3,046) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 379.32 Td (\(281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 379.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 379.27 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 379.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 379.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 379.32 Td (\(152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 379.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 379.27 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 379.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 365.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 364.27 Td (2,109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 364.27 Td (2,406) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 364.27 Td (2,081) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 364.32 Td (\(297) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 364.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 364.27 Td (\(12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 364.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 364.27 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 364.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 350.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.80 349.27 Td (\(17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 349.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 349.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 349.27 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 349.32 Td (\(17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 349.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 349.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 349.32 Td (\(26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 349.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 349.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 335.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 334.27 Td (475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 334.27 Td (451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 334.27 Td (590) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 334.27 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 334.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 334.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 334.32 Td (\(115) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 334.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 334.27 Td (\(19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 334.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 312.10 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 312.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 300.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 300.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 300.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 300.10 Td ($475 ) Tj ET Q q 0 0 0 rg BT 138.92 300.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 300.10 Td (a ) Tj ET Q q 0 0 0 rg BT 179.75 300.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 216.67 300.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.50 300.10 Td (19%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.84 282.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.39 282.10 Td (was ) Tj ET Q q 0 0 0 rg BT 119.84 282.10 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 140.24 282.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.76 282.10 Td (a ) Tj ET Q q 0 0 0 rg BT 179.10 282.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 216.41 282.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.65 282.10 Td (5%. ) Tj ET Q q 0 0 0 rg BT 246.38 282.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 263.72 282.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 296.05 282.10 Td (income ) Tj ET Q q 0 0 0 rg BT 328.39 282.10 Td (was ) Tj ET Q q 0 0 0 rg BT 346.84 282.10 Td ($633 ) Tj ET Q q 0 0 0 rg BT 369.75 282.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 404.04 282.10 Td (up ) Tj ET Q q 0 0 0 rg BT 416.94 282.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 435.67 282.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 464.12 282.10 Td (by ) Tj ET Q q 0 0 0 rg BT 477.02 282.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 505.47 282.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 525.59 282.10 Td (balances. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.80 270.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 133.09 270.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.28 270.10 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 171.42 270.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.68 270.10 Td (down ) Tj ET Q q 0 0 0 rg BT 227.55 270.10 Td (7%, ) Tj ET Q q 0 0 0 rg BT 246.02 270.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 286.97 270.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.83 270.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 320.02 270.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.00 270.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.86 270.10 Td (Retirement ) Tj ET Q q 0 0 0 rg BT 392.93 270.10 Td (Planning ) Tj ET Q q 0 0 0 rg BT 431.13 270.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 467.65 270.10 Td (business ) Tj ET Q q 0 0 0 rg BT 504.18 270.10 Td (in ) Tj ET Q q 0 0 0 rg BT 514.60 270.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 539.75 270.10 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.10 Td (transactional ) Tj ET Q q 0 0 0 rg BT 103.09 258.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 137.23 258.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.17 258.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 179.44 258.10 Td (valuations ) Tj ET Q q 0 0 0 rg BT 223.04 258.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.88 258.10 Td (seed ) Tj ET Q q 0 0 0 rg BT 254.14 258.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 283.29 258.10 Td (investments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 240.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 240.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 240.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 240.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 171.41 240.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 240.10 Td (an ) Tj ET Q q 0 0 0 rg BT 214.47 240.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 249.72 240.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.55 240.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 278.88 240.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 306.93 240.10 Td (by ) Tj ET Q q 0 0 0 rg BT 319.43 240.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 361.36 240.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 407.74 240.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.02 240.10 Td (both ) Tj ET Q q 0 0 0 rg BT 438.30 240.10 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 494.66 240.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.60 240.10 Td (controls. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 77.64 222.10 Td (under ) Tj ET Q q 0 0 0 rg BT 102.43 222.10 Td (management ) Tj ET Q q 0 0 0 rg BT 155.54 222.10 Td (were ) Tj ET Q q 0 0 0 rg BT 177.00 222.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 196.52 222.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 228.26 222.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 243.61 222.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 285.06 222.10 Td (to ) Tj ET Q q 0 0 0 rg BT 294.86 222.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.10 222.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 330.57 222.10 Td (year) Tj ET Q q 0 0 0 rg BT 347.37 222.10 Td (, ) Tj ET Q q 0 0 0 rg BT 351.90 222.10 Td (due ) Tj ET Q q 0 0 0 rg BT 368.36 222.10 Td (to ) Tj ET Q q 0 0 0 rg BT 378.16 222.10 Td (net ) Tj ET Q q 0 0 0 rg BT 392.40 222.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 424.43 222.10 Td (to ) Tj ET Q q 0 0 0 rg BT 434.23 222.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 475.69 222.10 Td (and ) Tj ET Q q 0 0 0 rg BT 492.15 222.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 528.06 222.10 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.10 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 210.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 74.59 210.10 Td (by ) Tj ET Q q 0 0 0 rg BT 87.09 210.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.80 210.10 Td (ef) Tj ET Q q 0 0 0 rg BT 109.39 210.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 126.88 210.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.71 210.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 162.98 210.10 Td (market ) Tj ET Q q 0 0 0 rg BT 193.24 210.10 Td (levels. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 190.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 182.95 69.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 175.50 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 175.50 Td (TE) Tj ET Q BT /F2 11.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 121.96 187.93 7.15 -9.82 re f /GS0 gs BT /F2 7.15 Tf ET q 1 1 1 rg BT 121.96 180.48 Td (17) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 160.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 160.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 160.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 160.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 160.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 160.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 160.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 160.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 160.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 160.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 145.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 145.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 145.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 145.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 145.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 145.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 145.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 145.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 145.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 145.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 145.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 145.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 115.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 115.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 115.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 115.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 115.60 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 115.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 100.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 100.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 100.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 100.60 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 100.60 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 100.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 85.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 85.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 85.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 85.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 85.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 85.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 85.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 85.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 85.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 85.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 85.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 85.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 145.60000000000002 m 423 145.60000000000002 l s 0 0 0 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (5) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.25 Td (Net income was $1.7 billion, compared with net income of $95 million in the prior year) Tj ET Q q 0 0 0 rg BT 399.70 698.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (Net revenue was a loss of $50 million, compared with a loss of $75 million in the prior year) Tj ET Q q 0 0 0 rg BT 416.37 674.25 Td (. Noninterest expense was $172 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (million, a decrease of $537 million from the prior year) Tj ET Q q 0 0 0 rg BT 267.37 662.25 Td (, primarily driven by lower legal expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 638.25 Td (The current quarter reflected tax benefits of $1.9 billion from the resolution of various tax audits compared with tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 626.25 Td (benefits of approximately $400 million in the prior year) Tj ET Q q 0 0 0 rg BT 272.22 626.25 Td (.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 59.50 740.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 85.88 740.25 Td (on ) Tj ET Q q 0 0 0 rg BT 98.94 740.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 146.17 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 148.67 740.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.40 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 219.88 740.25 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.25 Td (a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 716.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.66 716.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 107.72 716.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 143.11 716.25 Td (pretax ) Tj ET Q q 0 0 0 rg BT 170.71 716.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 205.26 716.25 Td (net ) Tj ET Q q 0 0 0 rg BT 220.09 716.25 Td (income ) Tj ET Q q 0 0 0 rg BT 252.14 716.25 Td (\(assumes ) Tj ET Q q 0 0 0 rg BT 291.41 716.25 Td (a ) Tj ET Q q 0 0 0 rg BT 298.46 716.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 313.30 716.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 330.90 716.25 Td (of ) Tj ET Q q 0 0 0 rg BT 341.84 716.25 Td (38% ) Tj ET Q q 0 0 0 rg BT 362.79 716.25 Td (for ) Tj ET Q q 0 0 0 rg BT 377.06 716.25 Td (items ) Tj ET Q q 0 0 0 rg BT 401.34 716.25 Td (that ) Tj ET Q q 0 0 0 rg BT 418.95 716.25 Td (are ) Tj ET Q q 0 0 0 rg BT 433.77 716.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 448.60 716.25 Td (deductible\) ) Tj ET Q q 0 0 0 rg BT 496.20 716.25 Td (and ) Tj ET Q q 0 0 0 rg BT 513.25 716.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 549.74 716.25 Td (per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 704.25 Td (share ) Tj ET Q q 0 0 0 rg BT 90.97 704.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 132.78 704.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 162.36 704.25 Td (notable ) Tj ET Q q 0 0 0 rg BT 194.17 704.25 Td (items. ) Tj ET Q q 0 0 0 rg BT 220.54 704.25 Td (These ) Tj ET Q q 0 0 0 rg BT 246.79 704.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 286.37 704.25 Td (should ) Tj ET Q q 0 0 0 rg BT 315.42 704.25 Td (be ) Tj ET Q q 0 0 0 rg BT 327.23 704.25 Td (viewed ) Tj ET Q q 0 0 0 rg BT 358.49 704.25 Td (in ) Tj ET Q q 0 0 0 rg BT 368.64 704.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 403.79 704.25 Td (to, ) Tj ET Q q 0 0 0 rg BT 416.44 704.25 Td (and ) Tj ET Q q 0 0 0 rg BT 433.26 704.25 Td (not ) Tj ET Q q 0 0 0 rg BT 448.41 704.25 Td (as ) Tj ET Q q 0 0 0 rg BT 459.12 704.25 Td (a ) Tj ET Q q 0 0 0 rg BT 465.93 704.25 Td (substitute ) Tj ET Q q 0 0 0 rg BT 506.64 704.25 Td (for) Tj ET Q q 0 0 0 rg BT 517.90 704.25 Td (, ) Tj ET Q q 0 0 0 rg BT 522.77 704.25 Td (the ) Tj ET Q q 0 0 0 rg BT 537.37 704.25 Td (Firm's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 692.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 102.73 692.25 Td (results. ) Tj ET Q q 0 0 0 rg BT 133.25 692.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 187.37 692.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 222.04 692.25 Td (this ) Tj ET Q q 0 0 0 rg BT 238.40 692.25 Td (information ) Tj ET Q q 0 0 0 rg BT 287.53 692.25 Td (helps ) Tj ET Q q 0 0 0 rg BT 310.55 692.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 348.57 692.25 Td (understand ) Tj ET Q q 0 0 0 rg BT 394.36 692.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.49 692.25 Td (ef) Tj ET Q q 0 0 0 rg BT 416.08 692.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 432.98 692.25 Td (of ) Tj ET Q q 0 0 0 rg BT 443.22 692.25 Td (these ) Tj ET Q q 0 0 0 rg BT 465.68 692.25 Td (items ) Tj ET Q q 0 0 0 rg BT 489.26 692.25 Td (on ) Tj ET Q q 0 0 0 rg BT 501.17 692.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 536.40 692.25 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 680.25 Td (and ) Tj ET Q q 0 0 0 rg BT 83.60 680.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 119.70 680.25 Td (an ) Tj ET Q q 0 0 0 rg BT 130.79 680.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 172.44 680.25 Td (presentation ) Tj ET Q q 0 0 0 rg BT 222.97 680.25 Td (of ) Tj ET Q q 0 0 0 rg BT 232.96 680.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.84 680.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 273.64 680.25 Td (performance. ) Tj ET Q q 0 0 0 rg BT 328.20 680.25 Td (The ) Tj ET Q q 0 0 0 rg BT 345.41 680.25 Td (table ) Tj ET Q q 0 0 0 rg BT 366.50 680.25 Td (below ) Tj ET Q q 0 0 0 rg BT 392.60 680.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 428.70 680.25 Td (a ) Tj ET Q q 0 0 0 rg BT 434.79 680.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 491.43 680.25 Td (of ) Tj ET Q q 0 0 0 rg BT 501.42 680.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 536.39 680.25 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 668.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.78 668.25 Td (these ) Tj ET Q q 0 0 0 rg BT 100.83 668.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 146.01 668.25 Td ( ) Tj ET Q q 0 0 0 rg BT 148.51 668.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 185.99 668.25 Td (measures:) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 86.00 653.75 355.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 86.00 638.75 160.00 -7.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 246.00 638.75 15.00 -7.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 261.00 638.75 45.00 -7.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 306.00 638.75 15.00 -7.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 321.00 638.75 45.00 -7.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 366.00 638.75 15.00 -7.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 381.00 638.75 45.00 -7.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 426.00 638.75 15.00 -7.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 86.00 631.75 160.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 246.00 631.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 261.00 631.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 306.00 631.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 321.00 631.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 366.00 631.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 381.00 631.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 426.00 631.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 86.00 616.75 160.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 246.00 616.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 261.00 616.75 45.00 -30.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 306.00 616.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 321.00 616.75 45.00 -30.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 366.00 616.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 381.00 616.75 45.00 -30.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 426.00 616.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 86.00 601.75 160.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 246.00 601.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 306.00 601.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 366.00 601.75 15.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 426.00 601.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 246.00 571.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 306.00 571.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 366.00 571.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 426.00 571.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 246.00 556.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 306.00 556.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 366.00 556.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 426.00 556.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 246.00 541.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 306.00 541.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 366.00 541.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 426.00 541.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 246.00 526.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 306.00 526.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 366.00 526.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 426.00 526.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 246.00 511.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 306.00 511.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 366.00 511.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 426.00 511.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 246.00 496.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 306.00 496.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 366.00 496.75 15.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 426.00 496.75 15.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 86.00 466.75 160.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 246.00 466.75 15.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 261.00 466.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 306.00 466.75 15.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 321.00 466.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 366.00 466.75 15.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 381.00 466.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 426.00 466.75 15.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 586.75 m 246 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246 586.75 m 261 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261 586.75 m 306 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 586.75 m 321 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 586.75 m 366 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 586.75 m 381 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 586.75 m 426 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426 586.75 m 441 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246 586.75 m 261 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261 586.75 m 306 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 586.75 m 321 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 586.75 m 366 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 586.75 m 381 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 586.75 m 426 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426 586.75 m 441 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 481.75 m 246 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 466.75 m 246 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246 481.75 m 261 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261 481.75 m 306 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 481.75 m 321 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 481.75 m 366 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 481.75 m 381 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 481.75 m 426 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426 481.75 m 441 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 466.75 m 246 466.75 l s 0 0 0 RG /GS0 gs 1.50 w 0 i [] 0 d 0 J 0 j 3 M 86 451.75 m 246 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246 466.75 m 261 466.75 l s 0 0 0 RG /GS0 gs 1.50 w 0 i [] 0 d 0 J 0 j 3 M 246 451.75 m 261 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261 466.75 m 306 466.75 l s 0 0 0 RG /GS0 gs 1.50 w 0 i [] 0 d 0 J 0 j 3 M 261 451.75 m 306 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 466.75 m 321 466.75 l s 0 0 0 RG /GS0 gs 1.50 w 0 i [] 0 d 0 J 0 j 3 M 306 451.75 m 321 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 466.75 m 366 466.75 l s 0 0 0 RG /GS0 gs 1.50 w 0 i [] 0 d 0 J 0 j 3 M 321 451.75 m 366 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 466.75 m 381 466.75 l s 0 0 0 RG /GS0 gs 1.50 w 0 i [] 0 d 0 J 0 j 3 M 366 451.75 m 381 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 466.75 m 426 466.75 l s 0 0 0 RG /GS0 gs 1.50 w 0 i [] 0 d 0 J 0 j 3 M 381 451.75 m 426 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426 466.75 m 441 466.75 l s 0 0 0 RG /GS0 gs 1.50 w 0 i [] 0 d 0 J 0 j 3 M 426 451.75 m 441 451.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 88.50 643.43 Td (Reconciliation of reported to adjusted results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 621.42 Td (Three months ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 606.42 Td (September 30, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.20 601.42 Td (Pretax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.25 591.42 Td (income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.75 601.42 Td (Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.25 591.42 Td (income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.35 591.42 Td (EPS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 591.42 Td (\(in millions, except per share\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 577.32 Td (Reported results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.50 576.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.65 576.42 Td (6,730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.50 576.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 576.42 Td (6,804) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.50 576.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.65 576.42 Td (1.68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 547.32 Td (Adjustments:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 531.42 Td (Firmwide legal expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.65 531.42 Td (1,347) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 531.42 Td (973) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.65 531.42 Td (0.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 517.32 Td (Firmwide tax benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.15 516.42 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.30 516.47 Td (\(2,164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.15 516.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.30 516.47 Td (\(0.57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.15 516.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 502.32 Td (Consumer credit reserve releases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 501.42 Td (\(591) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.15 501.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.80 501.47 Td (\(366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.15 501.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.30 501.47 Td (\(0.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.15 501.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 487.32 Td (Wholesale credit reserve builds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.15 486.42 Td (310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 486.42 Td (192) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.65 486.42 Td (0.05) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 472.32 Td (Total adjustments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.65 471.42 Td (1,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.30 471.47 Td (\(1,365) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.15 471.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.30 471.47 Td (\(0.36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.15 471.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 88.50 457.48 Td (Adjusted results) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.50 456.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 279.65 456.43 Td (7,796) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 323.50 456.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.65 456.43 Td (5,439) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.50 456.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 456.43 Td (1.32) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 428.25 Td (b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 428.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.98 428.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.91 428.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.84 428.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.86 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.23 428.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 205.53 428.25 Td (results ) Tj ET Q q 0 0 0 rg BT 233.79 428.25 Td (on ) Tj ET Q q 0 0 0 rg BT 245.94 428.25 Td (a ) Tj ET Q q 0 0 0 rg BT 252.53 428.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 288.00 428.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 312.65 428.25 Td (management ) Tj ET Q q 0 0 0 rg BT 365.89 428.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 399.14 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 413.51 428.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 440.81 428.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.57 428.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.49 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.86 428.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 416.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 91.49 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 109.10 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.48 416.25 Td (results ) Tj ET Q q 0 0 0 rg BT 153.76 416.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.26 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.64 416.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 202.70 416.25 Td (of ) Tj ET Q q 0 0 0 rg BT 214.20 416.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 253.76 416.25 Td (on ) Tj ET Q q 0 0 0 rg BT 266.92 416.25 Td (a ) Tj ET Q q 0 0 0 rg BT 274.53 416.25 Td (managed?) Tj ET Q q 0 0 0 rg BT 322.67 416.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 348.34 416.25 Td (which ) Tj ET Q q 0 0 0 rg BT 375.94 416.25 Td (is ) Tj ET Q q 0 0 0 rg BT 385.78 416.25 Td (a ) Tj ET Q q 0 0 0 rg BT 393.39 416.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 438.57 416.25 Td ( ) Tj ET Q q 0 0 0 rg BT 441.74 416.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 479.89 416.25 Td (measure. ) Tj ET Q q 0 0 0 rg BT 518.64 416.25 Td (The ) Tj ET Q q 0 0 0 rg BT 537.36 416.25 Td (Firm's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 404.25 Td (definition ) Tj ET Q q 0 0 0 rg BT 108.90 404.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.74 404.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 158.35 404.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 180.86 404.25 Td (starts ) Tj ET Q q 0 0 0 rg BT 204.48 404.25 Td (with ) Tj ET Q q 0 0 0 rg BT 224.77 404.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.50 404.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 275.33 404.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 295.63 404.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 322.49 404.25 Td ( ) Tj ET Q q 0 0 0 rg BT 325.00 404.25 Td (results ) Tj ET Q q 0 0 0 rg BT 353.62 404.25 Td (and ) Tj ET Q q 0 0 0 rg BT 370.57 404.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 406.41 404.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 436.13 404.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 503.06 404.25 Td (to ) Tj ET Q q 0 0 0 rg BT 513.35 404.25 Td (present ) Tj ET Q q 0 0 0 rg BT 544.74 404.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 392.25 Td (net ) Tj ET Q q 0 0 0 rg BT 81.42 392.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 114.77 392.25 Td (for ) Tj ET Q q 0 0 0 rg BT 128.13 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.05 392.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.20 392.25 Td (\(and ) Tj ET Q q 0 0 0 rg BT 182.67 392.25 Td (each ) Tj ET Q q 0 0 0 rg BT 202.69 392.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.73 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.65 392.25 Td (business ) Tj ET Q q 0 0 0 rg BT 262.24 392.25 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 304.49 392.25 Td (on ) Tj ET Q q 0 0 0 rg BT 316.19 392.25 Td (a ) Tj ET Q q 0 0 0 rg BT 322.34 392.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 342.93 392.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 418.48 392.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 453.50 392.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 477.33 392.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 526.66 392.25 Td (, ) Tj ET Q q 0 0 0 rg BT 530.87 392.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.25 Td (from ) Tj ET Q q 0 0 0 rg BT 89.14 380.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 139.11 380.25 Td (that ) Tj ET Q q 0 0 0 rg BT 156.31 380.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 187.37 380.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 201.79 380.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 230.65 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.29 380.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 294.47 380.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 334.43 380.25 Td (is ) Tj ET Q q 0 0 0 rg BT 343.31 380.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 383.82 380.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.80 380.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.22 380.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 446.51 380.25 Td (results ) Tj ET Q q 0 0 0 rg BT 474.82 380.25 Td (on ) Tj ET Q q 0 0 0 rg BT 487.03 380.25 Td (a ) Tj ET Q q 0 0 0 rg BT 493.67 380.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 515.87 380.25 Td (comparable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 368.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.90 368.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 109.39 368.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 159.79 368.25 Td (and ) Tj ET Q q 0 0 0 rg BT 176.85 368.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 219.54 368.25 Td (This ) Tj ET Q q 0 0 0 rg BT 239.94 368.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 285.13 368.25 Td ( ) Tj ET Q q 0 0 0 rg BT 287.75 368.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 325.35 368.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 361.29 368.25 Td (allows ) Tj ET Q q 0 0 0 rg BT 390.02 368.25 Td (management ) Tj ET Q q 0 0 0 rg BT 443.73 368.25 Td (to ) Tj ET Q q 0 0 0 rg BT 454.13 368.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 481.19 368.25 Td (the ) Tj ET Q q 0 0 0 rg BT 496.03 368.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 554.19 368.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 356.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.34 356.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 130.75 356.25 Td (from ) Tj ET Q q 0 0 0 rg BT 152.38 356.25 Td (both ) Tj ET Q q 0 0 0 rg BT 172.34 356.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 203.41 356.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.04 356.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 267.21 356.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 301.73 356.25 Td (The ) Tj ET Q q 0 0 0 rg BT 319.47 356.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 378.87 356.25 Td (income ) Tj ET Q q 0 0 0 rg BT 410.49 356.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 424.90 356.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 454.31 356.25 Td (related ) Tj ET Q q 0 0 0 rg BT 483.70 356.25 Td (to ) Tj ET Q q 0 0 0 rg BT 493.67 356.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 540.84 356.25 Td (items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 344.25 Td (is ) Tj ET Q q 0 0 0 rg BT 76.19 344.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 113.18 344.25 Td (within ) Tj ET Q q 0 0 0 rg BT 140.76 344.25 Td (income ) Tj ET Q q 0 0 0 rg BT 172.21 344.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 186.44 344.25 Td (expense. ) Tj ET Q q 0 0 0 rg BT 223.02 344.25 Td (These ) Tj ET Q q 0 0 0 rg BT 248.92 344.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 298.71 344.25 Td (have ) Tj ET Q q 0 0 0 rg BT 319.60 344.25 Td (no ) Tj ET Q q 0 0 0 rg BT 331.62 344.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 360.85 344.25 Td (on ) Tj ET Q q 0 0 0 rg BT 372.87 344.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 425.43 344.25 Td (net ) Tj ET Q q 0 0 0 rg BT 439.66 344.25 Td (income ) Tj ET Q q 0 0 0 rg BT 471.12 344.25 Td (as ) Tj ET Q q 0 0 0 rg BT 481.46 344.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 516.80 344.25 Td (by ) Tj ET Q q 0 0 0 rg BT 528.82 344.25 Td (the ) Tj ET Q q 0 0 0 rg BT 543.05 344.25 Td (Firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 332.25 Td (as ) Tj ET Q q 0 0 0 rg BT 78.33 332.25 Td (a ) Tj ET Q q 0 0 0 rg BT 85.27 332.25 Td (whole ) Tj ET Q q 0 0 0 rg BT 112.21 332.25 Td (or ) Tj ET Q q 0 0 0 rg BT 123.04 332.25 Td (by ) Tj ET Q q 0 0 0 rg BT 135.54 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.25 332.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 171.64 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 182.47 332.25 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 308.25 Td (c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 308.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.91 308.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 103.60 308.25 Td (common ) Tj ET Q q 0 0 0 rg BT 139.84 308.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 166.09 308.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 204.26 308.25 Td (return ) Tj ET Q q 0 0 0 rg BT 229.39 308.25 Td (on ) Tj ET Q q 0 0 0 rg BT 240.64 308.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 274.11 308.25 Td (common ) Tj ET Q q 0 0 0 rg BT 310.35 308.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 336.60 308.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 386.17 308.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.86 308.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 435.32 308.25 Td (book ) Tj ET Q q 0 0 0 rg BT 456.57 308.25 Td (value ) Tj ET Q q 0 0 0 rg BT 479.48 308.25 Td (per ) Tj ET Q q 0 0 0 rg BT 493.50 308.25 Td (share ) Tj ET Q q 0 0 0 rg BT 515.85 308.25 Td (\(TBVPS\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 296.25 Td (are ) Tj ET Q q 0 0 0 rg BT 82.92 296.25 Td (each ) Tj ET Q q 0 0 0 rg BT 104.45 296.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 149.64 296.25 Td ( ) Tj ET Q q 0 0 0 rg BT 152.85 296.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 191.05 296.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 233.73 296.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 255.84 296.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 299.59 296.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.02 296.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 337.25 296.25 Td (s ) Tj ET Q q 0 0 0 rg BT 344.35 296.25 Td (common ) Tj ET Q q 0 0 0 rg BT 382.56 296.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 435.70 296.25 Td ( ) Tj ET Q q 0 0 0 rg BT 438.91 296.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 467.12 296.25 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 488.38 296.25 Td (total ) Tj ET Q q 0 0 0 rg BT 509.37 296.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 562.50 296.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 284.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 95.72 284.25 Td (less ) Tj ET Q q 0 0 0 rg BT 113.95 284.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 153.81 284.25 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 181.48 284.25 Td (less ) Tj ET Q q 0 0 0 rg BT 199.71 284.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 238.49 284.25 Td (and ) Tj ET Q q 0 0 0 rg BT 256.16 284.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 304.92 284.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 348.14 284.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 374.70 284.25 Td (\(other ) Tj ET Q q 0 0 0 rg BT 401.80 284.25 Td (than ) Tj ET Q q 0 0 0 rg BT 422.25 284.25 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 456.32 284.25 Td (net ) Tj ET Q q 0 0 0 rg BT 471.76 284.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.32 284.25 Td (related ) Tj ET Q q 0 0 0 rg BT 513.75 284.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 550.28 284.25 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 272.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 109.03 272.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 143.62 272.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 182.64 272.25 Td (the ) Tj ET Q q 0 0 0 rg BT 196.67 272.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 218.89 272.25 Td (s ) Tj ET Q q 0 0 0 rg BT 224.59 272.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 260.28 272.25 Td (as ) Tj ET Q q 0 0 0 rg BT 270.42 272.25 Td (a ) Tj ET Q q 0 0 0 rg BT 276.67 272.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 321.79 272.25 Td (of ) Tj ET Q q 0 0 0 rg BT 331.93 272.25 Td (average ) Tj ET Q q 0 0 0 rg BT 364.69 272.25 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 387.76 272.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 420.70 272.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 463.04 272.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.07 272.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 503.89 272.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 524.59 272.25 Td (at ) Tj ET Q q 0 0 0 rg BT 533.62 272.25 Td (period-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 260.25 Td (end ) Tj ET Q q 0 0 0 rg BT 84.14 260.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 116.34 260.25 Td (by ) Tj ET Q q 0 0 0 rg BT 128.54 260.25 Td (common ) Tj ET Q q 0 0 0 rg BT 165.73 260.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 192.92 260.25 Td (at ) Tj ET Q q 0 0 0 rg BT 202.34 260.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 250.20 260.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 273.79 260.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 308.77 260.25 Td (and ) Tj ET Q q 0 0 0 rg BT 325.25 260.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 358.57 260.25 Td (are ) Tj ET Q q 0 0 0 rg BT 372.98 260.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 420.72 260.25 Td (to ) Tj ET Q q 0 0 0 rg BT 430.70 260.25 Td (the ) Tj ET Q q 0 0 0 rg BT 445.12 260.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 469.27 260.25 Td (as ) Tj ET Q q 0 0 0 rg BT 479.80 260.25 Td (well ) Tj ET Q q 0 0 0 rg BT 499.22 260.25 Td (as ) Tj ET Q q 0 0 0 rg BT 509.75 260.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 548.06 260.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 248.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 104.72 248.25 Td (in ) Tj ET Q q 0 0 0 rg BT 115.00 248.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 154.72 248.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.43 248.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 191.66 248.25 Td (s ) Tj ET Q q 0 0 0 rg BT 198.05 248.25 Td (use ) Tj ET Q q 0 0 0 rg BT 213.88 248.25 Td (of ) Tj ET Q q 0 0 0 rg BT 224.71 248.25 Td (equity) Tj ET Q q 0 0 0 rg BT 249.06 248.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 224.25 Td (d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 224.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 106.11 224.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.82 224.25 Td (and ) Tj ET Q q 0 0 0 rg BT 157.75 224.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 193.58 224.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 232.72 224.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 253.55 224.25 Td (are ) Tj ET Q q 0 0 0 rg BT 268.26 224.25 Td (each ) Tj ET Q q 0 0 0 rg BT 289.07 224.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 334.26 224.25 Td ( ) Tj ET Q q 0 0 0 rg BT 336.76 224.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 374.24 224.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 416.45 224.25 Td (and ) Tj ET Q q 0 0 0 rg BT 433.38 224.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 466.98 224.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 508.36 224.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 530.30 224.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 212.25 Td (\($1.3 ) Tj ET Q q 0 0 0 rg BT 90.63 212.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 119.05 212.25 Td (in ) Tj ET Q q 0 0 0 rg BT 129.13 212.25 Td (the ) Tj ET Q q 0 0 0 rg BT 143.64 212.25 Td (third ) Tj ET Q q 0 0 0 rg BT 164.83 212.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 195.45 212.25 Td (of ) Tj ET Q q 0 0 0 rg BT 206.08 212.25 Td (2015\). ) Tj ET Q q 0 0 0 rg BT 234.21 212.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 288.71 212.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 323.78 212.25 Td (this ) Tj ET Q q 0 0 0 rg BT 340.53 212.25 Td (information ) Tj ET Q q 0 0 0 rg BT 390.04 212.25 Td (helps ) Tj ET Q q 0 0 0 rg BT 413.45 212.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 451.86 212.25 Td (understand ) Tj ET Q q 0 0 0 rg BT 498.04 212.25 Td (the ) Tj ET Q q 0 0 0 rg BT 512.56 212.25 Td (ef) Tj ET Q q 0 0 0 rg BT 520.15 212.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 537.43 212.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.06 212.25 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 200.25 Td (item ) Tj ET Q q 0 0 0 rg BT 87.77 200.25 Td (on ) Tj ET Q q 0 0 0 rg BT 100.27 200.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 136.09 200.25 Td (results ) Tj ET Q q 0 0 0 rg BT 164.70 200.25 Td (and ) Tj ET Q q 0 0 0 rg BT 181.64 200.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 218.57 200.25 Td (an ) Tj ET Q q 0 0 0 rg BT 230.51 200.25 Td (alternate ) Tj ET Q q 0 0 0 rg BT 267.43 200.25 Td (presentation ) Tj ET Q q 0 0 0 rg BT 318.80 200.25 Td (of ) Tj ET Q q 0 0 0 rg BT 329.63 200.25 Td (the ) Tj ET Q q 0 0 0 rg BT 344.35 200.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 366.58 200.25 Td (s ) Tj ET Q q 0 0 0 rg BT 372.97 200.25 Td (performance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 176.25 Td (e\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 176.25 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 109.47 176.25 Td (as ) Tj ET Q q 0 0 0 rg BT 119.78 176.25 Td (of ) Tj ET Q q 0 0 0 rg BT 130.09 176.25 Td (3Q15. ) Tj ET Q q 0 0 0 rg BT 156.80 176.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 196.01 176.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 222.84 176.25 Td (T) Tj ET Q q 0 0 0 rg BT 228.60 176.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 241.12 176.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 248.11 176.25 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 289.51 176.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 320.64 176.25 Td (the ) Tj ET Q q 0 0 0 rg BT 334.84 176.25 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 360.71 176.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 381.02 176.25 Td (and ) Tj ET Q q 0 0 0 rg BT 397.44 176.25 Td (the ) Tj ET Q q 0 0 0 rg BT 411.63 176.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 472.49 176.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 508.33 176.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 528.64 176.25 Td (\(SLR\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 164.25 Td (under ) Tj ET Q q 0 0 0 rg BT 93.39 164.25 Td (the ) Tj ET Q q 0 0 0 rg BT 108.74 164.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 134.08 164.25 Td (III ) Tj ET Q q 0 0 0 rg BT 146.50 164.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 190.17 164.25 Td (Fully ) Tj ET Q q 0 0 0 rg BT 214.41 164.25 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 257.52 164.25 Td (rules, ) Tj ET Q q 0 0 0 rg BT 282.59 164.25 Td (are ) Tj ET Q q 0 0 0 rg BT 297.92 164.25 Td (each ) Tj ET Q q 0 0 0 rg BT 319.36 164.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 364.54 164.25 Td ( ) Tj ET Q q 0 0 0 rg BT 367.67 164.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 405.78 164.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 448.38 164.25 Td (These ) Tj ET Q q 0 0 0 rg BT 475.38 164.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 515.72 164.25 Td (are ) Tj ET Q q 0 0 0 rg BT 531.05 164.25 Td (used ) Tj ET Q q 0 0 0 rg BT 552.50 164.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 152.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 123.33 152.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 145.02 152.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 189.75 152.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 228.10 152.25 Td (and ) Tj ET Q q 0 0 0 rg BT 244.79 152.25 Td (analysts ) Tj ET Q q 0 0 0 rg BT 279.25 152.25 Td (to ) Tj ET Q q 0 0 0 rg BT 289.27 152.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 315.96 152.25 Td (and ) Tj ET Q q 0 0 0 rg BT 332.64 152.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 366.55 152.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.01 152.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 403.24 152.25 Td (s ) Tj ET Q q 0 0 0 rg BT 409.38 152.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 438.27 152.25 Td (position. ) Tj ET Q q 0 0 0 rg BT 475.25 152.25 Td (For ) Tj ET Q q 0 0 0 rg BT 491.38 152.25 Td (further ) Tj ET Q q 0 0 0 rg BT 520.83 152.25 Td (discussion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 140.25 Td (of ) Tj ET Q q 0 0 0 rg BT 78.60 140.25 Td (these ) Tj ET Q q 0 0 0 rg BT 101.91 140.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 144.38 140.25 Td (see ) Tj ET Q q 0 0 0 rg BT 159.92 140.25 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 207.12 140.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 236.53 140.25 Td (on ) Tj ET Q q 0 0 0 rg BT 249.30 140.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 274.83 140.25 Td (146?53 ) Tj ET Q q 0 0 0 rg BT 312.60 140.25 Td (of ) Tj ET Q q 0 0 0 rg BT 323.70 140.25 Td (JPMor) Tj ET Q q 0 0 0 rg BT 350.19 140.25 Td (gan ) Tj ET Q q 0 0 0 rg BT 367.40 140.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 394.60 140.25 Td (& ) Tj ET Q q 0 0 0 rg BT 405.14 140.25 Td (Co.? Tj ET Q q 0 0 0 rg BT 422.09 140.25 Td (s ) Tj ET Q q 0 0 0 rg BT 428.14 140.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 460.34 140.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 490.33 140.25 Td (on ) Tj ET Q q 0 0 0 rg BT 503.09 140.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 527.53 140.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 550.85 140.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 128.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.08 128.25 Td (year ) Tj ET Q q 0 0 0 rg BT 101.66 128.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 127.91 128.25 Td (December ) Tj ET Q q 0 0 0 rg BT 171.36 128.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 186.23 128.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 208.59 128.25 Td (and ) Tj ET Q q 0 0 0 rg BT 225.40 128.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 250.54 128.25 Td (67-71 ) Tj ET Q q 0 0 0 rg BT 276.24 128.25 Td (of ) Tj ET Q q 0 0 0 rg BT 286.93 128.25 Td (the ) Tj ET Q q 0 0 0 rg BT 301.52 128.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 329.03 128.25 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 369.71 128.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 399.30 128.25 Td (on ) Tj ET Q q 0 0 0 rg BT 411.67 128.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 435.70 128.25 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 458.62 128.25 Td (for ) Tj ET Q q 0 0 0 rg BT 472.65 128.25 Td (the ) Tj ET Q q 0 0 0 rg BT 487.24 128.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 517.92 128.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 544.17 128.25 Td (June ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 116.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 82.50 116.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 92.25 Td (f\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 92.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.45 92.25 Td (CIB ) Tj ET Q q 0 0 0 rg BT 104.52 92.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 141.37 92.25 Td (the ) Tj ET Q q 0 0 0 rg BT 155.99 92.25 Td (change ) Tj ET Q q 0 0 0 rg BT 186.71 92.25 Td (in ) Tj ET Q q 0 0 0 rg BT 196.71 92.25 Td (T) Tj ET Q q 0 0 0 rg BT 202.13 92.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 219.52 92.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 254.70 92.25 Td (and ) Tj ET Q q 0 0 0 rg BT 271.54 92.25 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 296.72 92.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 329.11 92.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 364.28 92.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 398.33 92.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 440.17 92.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.79 92.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 488.84 92.25 Td (related ) Tj ET Q q 0 0 0 rg BT 518.44 92.25 Td (to ) Tj ET Q q 0 0 0 rg BT 528.63 92.25 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 80.25 Td (simplification, ) Tj ET Q q 0 0 0 rg BT 128.25 80.25 Td (a ) Tj ET Q q 0 0 0 rg BT 135.39 80.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 180.57 80.25 Td ( ) Tj ET Q q 0 0 0 rg BT 183.28 80.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 220.96 80.25 Td (measure, ) Tj ET Q q 0 0 0 rg BT 259.48 80.25 Td (to ) Tj ET Q q 0 0 0 rg BT 269.96 80.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 303.20 80.25 Td (a ) Tj ET Q q 0 0 0 rg BT 310.34 80.25 Td (more ) Tj ET Q q 0 0 0 rg BT 333.59 80.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 381.84 80.25 Td (assessment ) Tj ET Q q 0 0 0 rg BT 428.98 80.25 Td (of ) Tj ET Q q 0 0 0 rg BT 440.01 80.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.93 80.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 500.95 80.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 554.18 80.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 68.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.22 68.25 Td (business.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 97.57 740.25 Td (notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.25 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 716.25 Td (Percentage ) Tj ET Q q 0 0 0 rg BT 113.06 716.25 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 165.30 716.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 189.21 716.25 Td (in ) Tj ET Q q 0 0 0 rg BT 198.68 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.59 716.25 Td (bullet ) Tj ET Q q 0 0 0 rg BT 237.05 716.25 Td (points ) Tj ET Q q 0 0 0 rg BT 263.20 716.25 Td (are ) Tj ET Q q 0 0 0 rg BT 277.10 716.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 319.32 716.25 Td (for ) Tj ET Q q 0 0 0 rg BT 332.67 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 346.58 716.25 Td (third ) Tj ET Q q 0 0 0 rg BT 367.16 716.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 397.17 716.25 Td (of ) Tj ET Q q 0 0 0 rg BT 407.19 716.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 428.89 716.25 Td (versus ) Tj ET Q q 0 0 0 rg BT 456.13 716.25 Td (the ) Tj ET Q q 0 0 0 rg BT 470.04 716.25 Td (prior) Tj ET Q q 0 0 0 rg BT 489.28 716.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 511.51 716.25 Td (third ) Tj ET Q q 0 0 0 rg BT 532.09 716.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 560.01 716.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 704.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 95.00 704.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 136.38 704.25 Td (specified. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 686.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (Represents ) Tj ET Q q 0 0 0 rg BT 114.23 686.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 155.40 686.25 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 182.14 686.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 211.64 686.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.93 686.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 250.11 686.25 Td (under ) Tj ET Q q 0 0 0 rg BT 275.73 686.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.80 686.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 315.86 686.25 Td (III ) Tj ET Q q 0 0 0 rg BT 328.08 686.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 371.47 686.25 Td (Fully ) Tj ET Q q 0 0 0 rg BT 395.44 686.25 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 438.28 686.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 467.78 686.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 490.07 686.25 Td (to ) Tj ET Q q 0 0 0 rg BT 500.70 686.25 Td (which ) Tj ET Q q 0 0 0 rg BT 527.99 686.25 Td (the ) Tj ET Q q 0 0 0 rg BT 543.06 686.25 Td (Firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (will ) Tj ET Q q 0 0 0 rg BT 85.56 674.25 Td (be ) Tj ET Q q 0 0 0 rg BT 97.50 674.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 128.32 674.25 Td (to ) Tj ET Q q 0 0 0 rg BT 138.60 674.25 Td (as ) Tj ET Q q 0 0 0 rg BT 149.43 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 160.26 674.25 Td (January ) Tj ET Q q 0 0 0 rg BT 193.86 674.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 203.86 674.25 Td (2019. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 656.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 656.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 656.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 656.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 656.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 656.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 638.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 638.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 638.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 638.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 136.64 638.25 Td (issuance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 620.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td (Core ) Tj ET Q q 0 0 0 rg BT 89.56 620.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 113.29 620.25 Td (include ) Tj ET Q q 0 0 0 rg BT 145.35 620.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 169.08 620.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 215.01 620.25 Td (central ) Tj ET Q q 0 0 0 rg BT 244.84 620.25 Td (to ) Tj ET Q q 0 0 0 rg BT 255.24 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 270.08 620.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 292.30 620.25 Td (s ) Tj ET Q q 0 0 0 rg BT 298.82 620.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 334.22 620.25 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 381.84 620.25 Td (core ) Tj ET Q q 0 0 0 rg BT 401.67 620.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 425.40 620.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 459.12 620.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 482.85 620.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 523.23 620.25 Td (as ) Tj ET Q q 0 0 0 rg BT 534.18 620.25 Td (trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 608.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.83 608.25 Td (runof) Tj ET Q q 0 0 0 rg BT 117.31 608.25 Td (f ) Tj ET Q q 0 0 0 rg BT 123.14 608.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 167.03 608.25 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 220.63 608.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 262.02 608.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.96 608.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 320.34 608.25 Td (the ) Tj ET Q q 0 0 0 rg BT 335.06 608.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 357.01 608.25 Td (has ) Tj ET Q q 0 0 0 rg BT 372.84 608.25 Td (an ) Tj ET Q q 0 0 0 rg BT 384.78 608.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 410.05 608.25 Td (to ) Tj ET Q q 0 0 0 rg BT 420.33 608.25 Td (exit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 590.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 590.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 590.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 572.25 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 572.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 107.15 572.25 Td (January ) Tj ET Q q 0 0 0 rg BT 141.44 572.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 152.14 572.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 177.83 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.24 572.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 215.88 572.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 250.73 572.25 Td (new ) Tj ET Q q 0 0 0 rg BT 270.58 572.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 317.64 572.25 Td (guidance ) Tj ET Q q 0 0 0 rg BT 356.93 572.25 Td (for ) Tj ET Q q 0 0 0 rg BT 371.78 572.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 422.75 572.25 Td (in ) Tj ET Q q 0 0 0 rg BT 433.72 572.25 Td (af) Tj ET Q q 0 0 0 rg BT 441.31 572.25 Td (fordable ) Tj ET Q q 0 0 0 rg BT 477.81 572.25 Td (housing ) Tj ET Q q 0 0 0 rg BT 512.68 572.25 Td (projects ) Tj ET Q q 0 0 0 rg BT 547.52 572.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 97.52 560.25 Td (for ) Tj ET Q q 0 0 0 rg BT 110.87 560.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.77 560.25 Td (low-income ) Tj ET Q q 0 0 0 rg BT 174.23 560.25 Td (housing ) Tj ET Q q 0 0 0 rg BT 207.59 560.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 221.50 560.25 Td (credit. ) Tj ET Q q 0 0 0 rg BT 248.33 560.25 Td (The ) Tj ET Q q 0 0 0 rg BT 265.57 560.25 Td (guidance ) Tj ET Q q 0 0 0 rg BT 303.35 560.25 Td (was ) Tj ET Q q 0 0 0 rg BT 320.60 560.25 Td (required ) Tj ET Q q 0 0 0 rg BT 355.60 560.25 Td (to ) Tj ET Q q 0 0 0 rg BT 365.07 560.25 Td (be ) Tj ET Q q 0 0 0 rg BT 376.20 560.25 Td (applied ) Tj ET Q q 0 0 0 rg BT 407.32 560.25 Td (retrospectively ) Tj ET Q q 0 0 0 rg BT 468.43 560.25 Td (and ) Tj ET Q q 0 0 0 rg BT 484.56 560.25 Td (accordingly) Tj ET Q q 0 0 0 rg BT 531.12 560.25 Td (, ) Tj ET Q q 0 0 0 rg BT 535.31 560.25 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 89.17 548.25 Td (period ) Tj ET Q q 0 0 0 rg BT 116.95 548.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 153.06 548.25 Td (have ) Tj ET Q q 0 0 0 rg BT 174.17 548.25 Td (been ) Tj ET Q q 0 0 0 rg BT 195.28 548.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 226.39 548.25 Td (to ) Tj ET Q q 0 0 0 rg BT 236.39 548.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 272.50 548.25 Td (with ) Tj ET Q q 0 0 0 rg BT 292.51 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.96 548.25 Td (current ) Tj ET Q q 0 0 0 rg BT 337.50 548.25 Td (period ) Tj ET Q q 0 0 0 rg BT 365.28 548.25 Td (presentation. ) Tj ET Q q 0 0 0 rg BT 418.88 548.25 Td (For ) Tj ET Q q 0 0 0 rg BT 435.01 548.25 Td (further ) Tj ET Q q 0 0 0 rg BT 464.44 548.25 Td (discussion, ) Tj ET Q q 0 0 0 rg BT 510.84 548.25 Td (see ) Tj ET Q q 0 0 0 rg BT 525.84 548.25 Td (page ) Tj ET Q q 0 0 0 rg BT 546.95 548.25 Td (2 ) Tj ET Q q 0 0 0 rg BT 554.18 548.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.22 536.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 120.26 536.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 153.86 536.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 193.57 536.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 518.25 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (Represents ) Tj ET Q q 0 0 0 rg BT 114.20 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 129.24 518.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 170.39 518.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 207.10 518.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 246.01 518.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 267.16 518.25 Td (\("LCR"\) ) Tj ET Q q 0 0 0 rg BT 304.25 518.25 Td (based ) Tj ET Q q 0 0 0 rg BT 329.85 518.25 Td (on ) Tj ET Q q 0 0 0 rg BT 342.67 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 357.71 518.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 378.32 518.25 Td (LCR ) Tj ET Q q 0 0 0 rg BT 400.59 518.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 422.85 518.25 Td (which ) Tj ET Q q 0 0 0 rg BT 450.11 518.25 Td (became ) Tj ET Q q 0 0 0 rg BT 483.47 518.25 Td (ef) Tj ET Q q 0 0 0 rg BT 491.06 518.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 521.08 518.25 Td (January ) Tj ET Q q 0 0 0 rg BT 555.01 518.25 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 488.25 Td (1) Tj ET Q q 0 0 0 rg BT 54.13 488.25 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 488.25 Td (High ) Tj ET Q q 0 0 0 rg BT 90.79 488.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 121.86 488.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 148.49 488.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 175.11 488.25 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 221.72 488.25 Td (is ) Tj ET Q q 0 0 0 rg BT 231.68 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 247.19 488.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 288.80 488.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 322.09 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 333.72 488.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 360.34 488.25 Td (that ) Tj ET Q q 0 0 0 rg BT 378.63 488.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 410.25 488.25 Td (for ) Tj ET Q q 0 0 0 rg BT 425.20 488.25 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 465.16 488.25 Td (in ) Tj ET Q q 0 0 0 rg BT 476.23 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.74 488.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 512.82 488.25 Td (LCR, ) Tj ET Q q 0 0 0 rg BT 538.06 488.25 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 476.25 Td (became ) Tj ET Q q 0 0 0 rg BT 100.53 476.25 Td (ef) Tj ET Q q 0 0 0 rg BT 108.12 476.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 137.82 476.25 Td (January ) Tj ET Q q 0 0 0 rg BT 171.42 476.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 181.42 476.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 458.25 Td (12. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 458.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 458.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.05 458.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.88 458.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.15 458.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.20 458.25 Td (to ) Tj ET Q q 0 0 0 rg BT 202.48 458.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.09 458.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.13 458.25 Td (new ) Tj ET Q q 0 0 0 rg BT 293.30 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 458.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.61 458.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.38 458.25 Td (including ) Tj ET Q q 0 0 0 rg BT 414.66 458.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.27 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.21 458.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.47 458.25 Td (The ) Tj ET Q q 0 0 0 rg BT 532.52 458.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.90 446.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 102.74 446.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.36 446.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.22 446.25 Td (small ) Tj ET Q q 0 0 0 rg BT 173.96 446.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.25 446.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.75 446.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.93 446.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.44 446.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.27 446.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.23 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.64 446.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.48 446.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 423.10 446.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.17 446.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 478.35 446.25 Td (& ) Tj ET Q q 0 0 0 rg BT 488.21 446.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.84 446.25 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 434.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 92.06 434.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 138.56 434.25 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 178.97 434.25 Td (& ) Tj ET Q q 0 0 0 rg BT 188.80 434.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 214.20 434.25 Td (and ) Tj ET Q q 0 0 0 rg BT 231.26 434.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 283.31 434.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 322.14 434.25 Td (The ) Tj ET Q q 0 0 0 rg BT 340.31 434.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 372.93 434.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.88 434.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 409.27 434.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 447.44 434.25 Td (to ) Tj ET Q q 0 0 0 rg BT 457.84 434.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 497.69 434.25 Td (and ) Tj ET Q q 0 0 0 rg BT 514.75 434.25 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 422.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 101.03 422.25 Td (including ) Tj ET Q q 0 0 0 rg BT 140.96 422.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 167.82 422.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 229.13 422.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 266.84 422.25 Td (and ) Tj ET Q q 0 0 0 rg BT 283.43 422.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 334.18 422.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 376.87 422.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 401.78 422.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 439.48 422.25 Td (by ) Tj ET Q q 0 0 0 rg BT 451.63 422.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.00 422.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 508.14 422.25 Td (& ) Tj ET Q q 0 0 0 rg BT 518.07 422.25 Td (Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 410.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.11 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.05 410.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 159.98 410.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 392.25 Td (13. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 392.25 Td (Includes ) Tj ET Q q 0 0 0 rg BT 103.82 392.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 129.03 392.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 164.24 392.25 Td (related ) Tj ET Q q 0 0 0 rg BT 193.88 392.25 Td (to ) Tj ET Q q 0 0 0 rg BT 204.11 392.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 245.43 392.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 268.98 392.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 304.74 392.25 Td (in ) Tj ET Q q 0 0 0 rg BT 314.97 392.25 Td (CCB, ) Tj ET Q q 0 0 0 rg BT 339.92 392.25 Td (prime ) Tj ET Q q 0 0 0 rg BT 365.69 392.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 405.90 392.25 Td (and ) Tj ET Q q 0 0 0 rg BT 422.79 392.25 Td (home ) Tj ET Q q 0 0 0 rg BT 447.45 392.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 474.89 392.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 498.44 392.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 534.20 392.25 Td (in ) Tj ET Q q 0 0 0 rg BT 543.89 392.25 Td (AM, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 84.44 380.25 Td (prime ) Tj ET Q q 0 0 0 rg BT 110.26 380.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 150.53 380.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.14 380.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 209.95 380.25 Td (in ) Tj ET Q q 0 0 0 rg BT 220.23 380.25 Td (Corporate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 362.25 Td (14. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 362.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 94.94 362.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 141.82 362.25 Td (Solutions, ) Tj ET Q q 0 0 0 rg BT 185.11 362.25 Td (formerly ) Tj ET Q q 0 0 0 rg BT 223.11 362.25 Td (known ) Tj ET Q q 0 0 0 rg BT 253.33 362.25 Td (as ) Tj ET Q q 0 0 0 rg BT 264.67 362.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 292.11 362.25 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 333.43 362.25 Td (Services, ) Tj ET Q q 0 0 0 rg BT 372.81 362.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 409.15 362.25 Td (the ) Tj ET Q q 0 0 0 rg BT 424.37 362.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 451.81 362.25 Td (Paymentech, ) Tj ET Q q 0 0 0 rg BT 506.19 362.25 Td (ChaseNet ) Tj ET Q q 0 0 0 rg BT 548.07 362.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 350.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 94.44 350.25 Td (Of) Tj ET Q q 0 0 0 rg BT 104.81 350.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 122.30 350.25 Td (businesses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 332.25 Td (15. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 332.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 332.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 107.34 332.25 Td (in ) Tj ET Q q 0 0 0 rg BT 118.49 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 134.08 332.25 Td (second ) Tj ET Q q 0 0 0 rg BT 165.23 332.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 196.92 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.62 332.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 234.50 332.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 281.75 332.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 317.35 332.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 352.37 332.25 Td (\(formerly ) Tj ET Q q 0 0 0 rg BT 394.06 332.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 441.32 332.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 476.91 332.25 Td (fees\) ) Tj ET Q q 0 0 0 rg BT 499.71 332.25 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 552.51 332.25 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 320.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.81 320.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 145.57 320.25 Td (with ) Tj ET Q q 0 0 0 rg BT 166.02 320.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 212.56 320.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 247.45 320.25 Td (activities, ) Tj ET Q q 0 0 0 rg BT 288.71 320.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.82 320.25 Td (is ) Tj ET Q q 0 0 0 rg BT 315.15 320.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 351.13 320.25 Td (net ) Tj ET Q q 0 0 0 rg BT 366.02 320.25 Td (of ) Tj ET Q q 0 0 0 rg BT 377.01 320.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 423.56 320.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 458.44 320.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 492.75 320.25 Td (shared ) Tj ET Q q 0 0 0 rg BT 521.52 320.25 Td (with ) Tj ET Q q 0 0 0 rg BT 541.96 320.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 308.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 89.71 308.25 Td (of ) Tj ET Q q 0 0 0 rg BT 101.37 308.25 Td (business; ) Tj ET Q q 0 0 0 rg BT 141.36 308.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 186.90 308.25 Td (such ) Tj ET Q q 0 0 0 rg BT 208.55 308.25 Td (shared ) Tj ET Q q 0 0 0 rg BT 237.98 308.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 272.95 308.25 Td (had ) Tj ET Q q 0 0 0 rg BT 290.71 308.25 Td (been ) Tj ET Q q 0 0 0 rg BT 312.91 308.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 349.55 308.25 Td (in ) Tj ET Q q 0 0 0 rg BT 360.65 308.25 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 386.76 308.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 420.07 308.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 456.16 308.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.92 308.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 503.91 308.25 Td (Markets. ) Tj ET Q q 0 0 0 rg BT 542.50 308.25 Td (Prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 296.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 99.44 296.25 Td (have ) Tj ET Q q 0 0 0 rg BT 120.82 296.25 Td (been ) Tj ET Q q 0 0 0 rg BT 142.19 296.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 173.57 296.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.85 296.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 220.22 296.25 Td (with ) Tj ET Q q 0 0 0 rg BT 240.50 296.25 Td (the ) Tj ET Q q 0 0 0 rg BT 255.22 296.25 Td (current ) Tj ET Q q 0 0 0 rg BT 286.04 296.25 Td (period ) Tj ET Q q 0 0 0 rg BT 314.08 296.25 Td (presentation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 278.25 Td (16. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 278.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 278.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 107.19 278.25 Td (in ) Tj ET Q q 0 0 0 rg BT 118.19 278.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.64 278.25 Td (second ) Tj ET Q q 0 0 0 rg BT 164.63 278.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 196.18 278.25 Td (of ) Tj ET Q q 0 0 0 rg BT 207.73 278.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 233.23 278.25 Td (T) Tj ET Q q 0 0 0 rg BT 238.99 278.25 Td (rade ) Tj ET Q q 0 0 0 rg BT 259.42 278.25 Td (Finance ) Tj ET Q q 0 0 0 rg BT 294.30 278.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 329.18 278.25 Td (was ) Tj ET Q q 0 0 0 rg BT 347.96 278.25 Td (transferred ) Tj ET Q q 0 0 0 rg BT 394.49 278.25 Td (from ) Tj ET Q q 0 0 0 rg BT 416.92 278.25 Td (T) Tj ET Q q 0 0 0 rg BT 422.68 278.25 Td (reasury ) Tj ET Q q 0 0 0 rg BT 455.33 278.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 492.44 278.25 Td (to ) Tj ET Q q 0 0 0 rg BT 503.44 278.25 Td (Lending. ) Tj ET Q q 0 0 0 rg BT 542.50 278.25 Td (Prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 266.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 99.44 266.25 Td (have ) Tj ET Q q 0 0 0 rg BT 120.82 266.25 Td (been ) Tj ET Q q 0 0 0 rg BT 142.19 266.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 173.57 266.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.85 266.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 220.22 266.25 Td (with ) Tj ET Q q 0 0 0 rg BT 240.50 266.25 Td (the ) Tj ET Q q 0 0 0 rg BT 255.22 266.25 Td (current ) Tj ET Q q 0 0 0 rg BT 286.04 266.25 Td (period ) Tj ET Q q 0 0 0 rg BT 314.08 266.25 Td (presentation.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 725.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 75.99 725.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 91.74 725.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 117.48 725.70 Td (& ) Tj ET Q q 0 0 0 rg BT 126.56 725.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 142.03 725.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 175.56 725.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 198.54 725.70 Td (is ) Tj ET Q q 0 0 0 rg BT 206.51 725.70 Td (a ) Tj ET Q q 0 0 0 rg BT 212.25 725.70 Td (leading ) Tj ET Q q 0 0 0 rg BT 242.99 725.70 Td (global ) Tj ET Q q 0 0 0 rg BT 269.29 725.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 305.57 725.70 Td (services ) Tj ET Q q 0 0 0 rg BT 339.08 725.70 Td (firm ) Tj ET Q q 0 0 0 rg BT 357.61 725.70 Td (with ) Tj ET Q q 0 0 0 rg BT 376.69 725.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 401.32 725.70 Td (of) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 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