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Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 761.26 Td (270 Park ) Tj ET Q q 0 0 0 rg BT 50.00 761.26 Td (A) Tj ET Q q 0 0 0 rg BT 55.83 761.26 Td (venue, New ) Tj ET Q q 0 0 0 rg BT 100.73 761.26 Td (Y) Tj ET Q q 0 0 0 rg BT 106.33 761.26 Td (ork, NY) Tj ET Q q 0 0 0 rg BT 135.49 761.26 Td ( 10017-2070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 752.26 Td (NYSE symbol: JPM) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 16 742.06005859375 m 109.2255859375 742.06005859375 l s q 0 0 1 rg BT 16.00 743.26 Td (www) Tj ET Q q 0 0 1 rg BT 34.91 743.26 Td (.jpmor) Tj ET Q q 0 0 1 rg BT 58.50 743.26 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 15.5 58 m 365.5 58 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 58 m 595.5 58 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 18.00 49.26 Td (Investor Contact: Jason Scott \(212\) 270-7325) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 18.00 41.82 Td ( 1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 21.41 38.65 Td (For notes on key performance measures and non-GAAP) Tj ET Q q 0 0 0 rg BT 178.42 38.65 Td ( financial measures, including managed basis reporting,) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 18.00 28.65 Td ( see page 5. ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 18.00 18.70 Td ( For additional notes see page 6.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 49.26 Td (Media Contact: Joe Evangelisti \(212\) 270-7438) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 18.00 722.80 Td (News release: IMMEDIA) Tj ET Q q 0 0 0 rg BT 109.97 722.80 Td (TE RELEASE) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 136.80 704.80 Td (JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 268.67 704.80 Td (TS ) Tj ET Q q 0 0 0 rg BT 283.22 704.80 Td (THIRD-QUAR) Tj ET Q q 0 0 0 rg BT 348.43 704.80 Td (TER 2016 NET) Tj ET Q q 0 0 0 rg BT 414.37 704.80 Td ( INCOME OF) Tj ET Q q 0 0 0 rg BT 475.11 704.80 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 222.35 686.80 Td ($6.3 BILLION, OR $1.58 PER SHARE ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.40 668.80 Td (13% RETURN ON ) Tj ET Q q 0 0 0 rg BT 273.95 668.80 Td (T) Tj ET Q q 0 0 0 rg BT 279.87 668.80 Td (ANGIBLE COMMON EQUITY) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 419.33 673.33 Td (1) Tj ET Q 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 658.3 m 17.5 654.3 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 658.3 m 593.5 654.3 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 658.3 m 593.5 658.3 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 654.3 m 593.5 654.3 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 633.35 Td (THIRD-QUAR) Tj ET Q q 0 0 0 rg BT 76.68 633.35 Td (TER RESUL) Tj ET Q q 0 0 0 rg BT 126.62 633.35 Td (TS) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 137.63 637.43 Td (2) Tj ET Q 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 85.50 616.85 130.00 -30.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 240.50 616.85 130.00 -30.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 395.50 616.85 130.00 -30.00 re f /GS0 gs BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 130.65 604.27 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 165.65 609.04 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 139.95 594.27 Td (13%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 250.75 604.27 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 335.01 604.27 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 355.58 609.04 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 291.05 594.27 Td (1) Tj ET Q q 1 1 1 rg BT 296.06 594.27 Td (1.9%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 418.35 604.27 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 478.16 604.27 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 492.60 609.04 Td (3,4) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 449.95 594.27 Td (63%) Tj ET Q BT /F1 6.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 527.00 587.35 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 21.00 561.05 68.00 -43.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 509.05 68.00 -24.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 21.00 485.05 68.00 -40.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 21.00 436.05 68.00 -24.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 21.00 412.05 68.00 -24.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 gs 21.00 379.05 68.00 -15.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 gs 21.00 364.05 68.00 -30.00 re f /GS0 gs 0.5176470588235295 0.29411764705882354 0.1568627450980392 rg /GS0 gs 21.00 325.05 68.00 -16.00 re f /GS0 gs 0.5176470588235295 0.29411764705882354 0.1568627450980392 rg /GS0 gs 21.00 309.05 68.00 -24.00 re f /GS0 gs BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 32.55 542.97 Td (Firmwide) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 36.95 530.97 Td (Metrics) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 548.79 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 102.50 551.41 Td (Reported revenue of $24.7 billion; managed revenue ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 542.41 Td (of $25.5 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 158.25 546.49 Td (1) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 524.79 cm /I2 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 528.31 Td (A) Tj ET Q q 0 0 0 rg BT 108.33 528.31 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 171.30 532.39 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 175.68 528.31 Td (up 15% ) Tj ET Q q 0 0 0 rg BT 205.35 528.31 Td (Y) Tj ET Q q 0 0 0 rg BT 210.95 528.31 Td (oY) Tj ET Q q 0 0 0 rg BT 221.61 528.31 Td ( and 2% 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 43.65 494.47 Td (CCB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 496.79 cm /I3 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 500.31 Td (A) Tj ET Q q 0 0 0 rg BT 108.33 500.31 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 171.30 504.39 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 175.68 500.31 Td (up 19%; record growth in average ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 489.51 Td (deposits, up $58 billion or 1) Tj ET Q q 0 0 0 rg BT 203.17 489.51 Td (1%) 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 36.70 463.03 Td (ROE 16%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 472.19 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 102.50 474.91 Td (26 million active mobile customers, up 17%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 456.79 cm /I5 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 459.22 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 191.72 463.29 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.65 459.22 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 197.15 459.22 Td (up 10% and Merchant ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 449.91 Td (processing volume up 13%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 45.85 421.47 Td (CIB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 423.79 cm /I6 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 427.31 Td (Maintained #1 ranking for Global Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 416.51 Td (Banking fees with 8.1% wallet share YTD) 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 36.70 398.03 Td (ROE 17%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 399.79 cm /I7 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 403.31 Td (Total revenue of $9.5 billion, up 16%; Markets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 392.51 Td (revenue up 33%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 47.25 368.67 Td (CB) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 366.79 cm /I8 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 369.41 Td (Record net income of $778 million, up 50%) 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 36.70 347.03 Td (ROE 18%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 351.79 cm /I9 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 102.50 355.31 Td (Average loan balances up 14%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 336.79 cm /I10 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 340.31 Td (C&I loans up 10%; CRE loans up 19%) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 243.24 344.39 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.17 340.31 Td ( ) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 46.70 313.67 Td (AM) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 312.79 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 102.50 314.91 Td (Record average loan balances, up 5%) 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 36.70 295.03 Td (ROE 24%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 91.50 296.84 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 102.50 300.31 Td (80% of mutual fund ) Tj ET Q q 0 0 0 rg BT 176.49 300.31 Td (AUM ranked in the 1) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 253.47 304.39 Td (st) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.38 300.31 Td ( or 2) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 273.87 304.39 Td (nd) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.72 300.31 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 102.50 289.51 Td (quartiles over 5 years ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.00 271.75 Td ( ) Tj ET Q 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 329.50 561.05 240.00 -276.00 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 329.5 561.05 m 329.5 285.05 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 569.5 561.05 m 569.5 285.05 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 561.05 m 569.5 561.05 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 285.05 m 569.5 285.05 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 545.06 Td (Jamie Dimon, Chairman and CEO, commented on the financial ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 533.81 Td (results: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 360.25 533.81 Td (W) Tj ET Q q 0 0 0 rg BT 371.92 533.81 Td (e deliver) Tj ET Q q 0 0 0 rg BT 402.82 533.81 Td (ed str) Tj ET Q q 0 0 0 rg BT 422.74 533.81 Td (ong r) Tj ET Q q 0 0 0 rg BT 441.66 533.81 Td (esults this quarter with each of ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 522.55 Td (our businesses performing well. W) Tj ET Q q 0 0 0 rg BT 455.92 522.55 Td (e had r) Tj ET Q q 0 0 0 rg BT 481.08 522.55 Td (ecor) Tj ET Q q 0 0 0 rg BT 496.74 522.55 Td (d net income in ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 511.30 Td (Commer) Tj ET Q q 0 0 0 rg BT 362.67 511.30 Td (cial Banking and r) Tj ET Q q 0 0 0 rg BT 429.57 511.30 Td (ecor) Tj ET Q q 0 0 0 rg BT 445.23 511.30 Td (d loan balances in ) Tj ET Q q 0 0 0 rg BT 513.56 511.30 Td (Asset ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 500.05 Td (Management. The Corporate & Investment Bank r) Tj ET Q q 0 0 0 rg BT 513.38 500.05 Td (eported its ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 488.80 Td (best thir) Tj ET Q q 0 0 0 rg BT 361.42 488.80 Td (d quarter r) Tj ET Q q 0 0 0 rg BT 400.59 488.80 Td (evenue. In the Consumer businesses, we gr) Tj ET Q q 0 0 0 rg BT 554.72 488.80 Td (ew ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 477.55 Td (both loans and deposits double-digits, and our new car) Tj ET Q q 0 0 0 rg BT 530.41 477.55 Td (d ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 466.30 Td (pr) Tj ET Q q 0 0 0 rg BT 339.67 466.30 Td (oduct, Sapphir) Tj ET Q q 0 0 0 rg BT 392.33 466.30 Td (e Reserve, has gotten a gr) Tj ET Q q 0 0 0 rg BT 485.47 466.30 Td (eat r) Tj ET Q q 0 0 0 rg BT 501.89 466.30 Td (esponse ?) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 455.05 Td (underscoring our unwavering commitment to enhancing ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 443.80 Td (customer engagement.? Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 426.56 Td (Dimon added: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 385.49 426.56 Td (Over the past months we have continued our ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 415.30 Td (extraor) Tj ET Q q 0 0 0 rg BT 358.16 415.30 Td (dinary efforts and submitted what we believe is a ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 404.05 Td (cr) Tj ET Q q 0 0 0 rg BT 339.16 404.05 Td (edible Resolution Plan, as we r) Tj ET Q q 0 0 0 rg BT 451.32 404.05 Td (emain focused on our ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 392.80 Td (r) Tj ET Q q 0 0 0 rg BT 335.17 392.80 Td (egulatory and contr) Tj ET Q q 0 0 0 rg BT 406.32 392.80 Td (ol agenda.? Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 375.56 Td (Dimon concluded:) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 398.74 375.56 Td ( W) Tj ET Q q 0 0 0 rg BT 412.66 375.56 Td (e deliver) Tj ET Q q 0 0 0 rg BT 443.56 375.56 Td (ed a 13% ROTCE and over $6 ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 364.30 Td (billion of net income in a thir) Tj ET Q q 0 0 0 rg BT 437.16 364.30 Td (d quarter) Tj ET Q q 0 0 0 rg BT 469.91 364.30 Td (. W) Tj ET Q q 0 0 0 rg BT 481.08 364.30 Td (e have pr) Tj ET Q q 0 0 0 rg BT 514.23 364.30 Td (ovided cr) Tj ET Q q 0 0 0 rg BT 547.64 364.30 Td (edit ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 353.05 Td (and raised capital this year totaling $1.7 trillion for our ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 341.80 Td (customers, small businesses, clients and governments ar) Tj ET Q q 0 0 0 rg BT 534.65 341.80 Td (ound the ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 330.55 Td (world. It's a testament to the power of our platform and our ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 319.30 Td (people.T) Tj ET Q q 0 0 0 rg BT 364.67 319.30 Td (o r) Tj ET Q q 0 0 0 rg BT 374.59 319.30 Td (emain best-in-class, we continue to invest significant ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 308.05 Td (r) Tj ET Q q 0 0 0 rg BT 335.17 308.05 Td (esour) Tj ET Q q 0 0 0 rg BT 354.83 308.05 Td (ces in talent development, innovation, technology) Tj ET Q q 0 0 0 rg BT 532.54 308.05 Td (, security ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.00 296.80 Td (and contr) Tj ET Q q 0 0 0 rg BT 366.41 296.80 Td (ols.? 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 17.5 261.25 m 17.5 257.25 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 261.25 m 593.5 257.25 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 261.25 m 593.5 261.25 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 257.25 m 593.5 257.25 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 234.15 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 234.15 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 219.50 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 221.35 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 221.35 Td (T) Tj ET Q q 0 0 0 rg BT 34.87 221.35 Td (angible book value per share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 138.33 225.43 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 141.25 221.35 Td ( of $51.23, up 8%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 206.70 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 208.55 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 208.55 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 208.55 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 208.55 Td (ier 1 capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 169.47 212.63 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.86 208.55 Td (of $181 billion; ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 248.60 212.63 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.53 208.55 Td ( of 1) Tj ET Q q 0 0 0 rg BT 267.69 208.55 Td (1.9% ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 193.90 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 195.75 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 195.75 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 199.83 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 195.75 Td ( of 6.6% and Bank SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 155.18 199.83 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 158.10 195.75 Td ( of 6.6%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 182.10 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 183.95 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 183.95 Td (HQLA) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 55.00 188.03 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.92 183.95 Td ( of $539 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 160.35 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 160.35 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 145.70 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 147.55 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 147.55 Td (Reported expense of $14.5 billion; reported overhead ratio of 59%;) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.9333333333333333 0.15294117647058825 0.1411764705882353 rg BT 271.93 147.55 Td ( ) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 30.00 136.75 Td (Adjusted expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 93.73 140.83 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 96.66 136.75 Td ( of $14.5 billion; adjusted overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 243.37 140.83 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.76 136.75 Td (of 57%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 116.95 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 45.33 116.95 Td (AL) Tj ET Q q 0 0 0 rg BT 57.34 116.95 Td ( RETURN) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 102.30 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 104.15 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 104.15 Td ($3.8 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 71.50 108.23 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.43 104.15 Td ( returned to shareholders in 3Q16) Tj ET Q /GS0 gs q 6.72 0 0 9.78 27.00 90.50 cm /I19 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 33.72 92.35 Td ( ) Tj ET Q q 0 0 0 rg BT 40.50 92.35 Td ($2.1 billion of net repurchases) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.72 96.43 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 151.18 92.35 Td (and common dividend of $0.48 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 234.15 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 234.15 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 219.50 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 221.35 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 221.35 Td ($1.7 trillion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 221.35 Td ( of credit and capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 436.46 225.43 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.39 221.35 Td ( raised ) Tj ET Q q 0 0 0 rg BT 465.04 221.35 Td (YTD) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 207.70 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 209.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 209.55 Td ($195 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 209.55 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 195.90 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 197.75 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 197.75 Td ($18 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 197.75 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 184.10 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 185.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 185.95 Td ($555 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 185.95 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 172.30 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 174.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 174.15 Td ($895 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 174.15 Td ( of capital raised for corporate clients and non-U.S. ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 163.35 Td (government entities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 149.70 cm /I25 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 151.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 151.55 Td ($74 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 151.55 Td ( of credit and capital raised for nonprofit and U.S. government ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 140.75 Td (entities, including states, municipalities, hospitals and universities) Tj ET Q /GS0 gs q 272.00 0 0 20.00 322.00 756.52 cm /I26 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 of r) Tj ET Q q 0 0 0 rg BT 133.02 742.10 Td (esults below of JPMor) Tj ET Q q 0 0 0 rg BT 222.36 742.10 Td (gan Chase as a Firm and of its business segments, information is pr) Tj ET Q q 0 0 0 rg BT 493.94 742.10 Td (esented on a ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (managed basis. For mor) Tj ET Q q 0 0 0 rg BT 147.46 730.10 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 403.38 730.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 473.01 730.10 Td (es and key ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (performance measur) Tj ET Q q 0 0 0 rg BT 132.17 718.10 Td (es used by management to evaluate the performance of each line of business, see page 5. Comparisons ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (noted in the sections below ar) Tj ET Q q 0 0 0 rg BT 168.84 706.10 Td (e calculated for the thir) Tj ET Q q 0 0 0 rg BT 262.89 706.10 Td (d quarter of 2016 versus the prior) Tj ET Q q 0 0 0 rg BT 398.80 706.10 Td (-year thir) Tj ET Q q 0 0 0 rg BT 436.47 706.10 Td (d quarter) Tj ET Q q 0 0 0 rg BT 472.86 706.10 Td (, unless otherwise ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (specified. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 683.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 675.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 668.50 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 652.10 Td (Net revenue on a reported basis totaled $24.7 billion, $24.4 billion, and $22.8 billion for the third quarter of 2016, second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 640.10 Td (quarter of 2016, and third quarter of 2015, respectively) Tj ET Q q 0 0 0 rg BT 268.78 640.10 Td (.) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 629.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 629.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 629.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 613.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 613.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 549.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 549.60 45.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 613.6 m 423 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 613.6 m 468 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 613.6 m 472 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 613.6 m 517 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 613.6 m 562 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 597.6 m 213 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 613.6 m 264 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 597.6 m 264 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 613.6 m 268 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 597.6 m 268 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 613.6 m 319 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 597.6 m 319 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 613.6 m 323 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 597.6 m 323 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 613.6 m 374 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 597.6 m 374 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 613.6 m 378 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 597.6 m 378 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 613.6 m 423 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 597.6 m 423 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 597.6 m 468 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 597.6 m 472 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 597.6 m 517 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 597.6 m 562 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 549.6 m 213 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 533.6 m 213 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 549.6 m 264 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 533.6 m 264 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 549.6 m 268 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 533.6 m 268 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 549.6 m 319 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 533.6 m 319 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 549.6 m 323 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 533.6 m 323 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 549.6 m 374 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 533.6 m 374 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 549.6 m 378 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 533.6 m 378 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 549.6 m 423 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 533.6 m 423 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 549.6 m 468 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 533.6 m 468 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 549.6 m 472 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 533.6 m 472 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 549.6 m 517 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 533.6 m 517 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 549.6 m 562 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 533.6 m 562 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 517.6 m 213 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 517.6 m 264 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 517.6 m 268 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 533.6 m 319 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 517.6 m 319 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 533.6 m 323 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 517.6 m 323 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 533.6 m 374 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 517.6 m 374 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 517.6 m 378 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 517.6 m 423 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 533.6 m 468 533.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 517.6 m 468 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 517.6 m 472 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 517.6 m 517 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 533.6 m 562 533.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 517.6 m 562 517.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 501.6 m 213 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 501.6 m 264 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 501.6 m 268 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 501.6 m 319 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 501.6 m 323 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 501.6 m 374 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 501.6 m 378 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 501.6 m 423 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 501.6 m 468 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 501.6 m 472 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 501.6 m 517 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 501.6 m 562 501.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 618.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 618.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 618.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 602.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 602.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 602.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 602.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 602.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 602.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 602.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 602.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.17 Td (Net revenue - managed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 586.27 Td (25,512) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 586.27 Td (25,214) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 586.27 Td (23,535) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 586.27 Td (298) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 586.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 586.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 586.27 Td (1,977) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 586.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 586.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 572.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 570.27 Td (14,463) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 570.27 Td (13,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 570.27 Td (15,368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 570.27 Td (825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 570.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 570.32 Td (\(905) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 570.27 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 556.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 554.27 Td (1,271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 554.27 Td (1,402) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 554.27 Td (682) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 554.32 Td (\(131) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 554.32 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 554.27 Td (589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 554.27 Td (86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 540.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 538.27 Td (6,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 538.27 Td (6,200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 538.27 Td (6,804) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 538.27 Td (86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 538.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 538.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 538.32 Td (\(518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 538.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 538.27 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 538.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 524.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 522.27 Td (1.58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 522.27 Td (1.55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 522.27 Td (1.68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 522.27 Td (0.03) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 522.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 522.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.30 522.32 Td (\(0.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 522.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 522.27 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 522.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 508.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 506.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 506.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 506.27 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 484.10 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (Net income was $6.3 billion, a decrease of 8%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 448.10 Td (Net revenue was $25.5 billion, up 8%. Net interest income was $1) Tj ET Q q 0 0 0 rg BT 314.07 448.10 Td (1.9 billion, up 6%, primarily driven by loan growth and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 436.10 Td (net impact of higher rates, partially of) Tj ET Q q 0 0 0 rg BT 200.65 436.10 Td (fset by lower investment securities balances. Noninterest revenue was $13.6 billion, up ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 424.10 Td (10%, primarily driven by the Corporate & Investment Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (Noninterest expense was $14.5 billion, down 6%, driven by lower legal expense, partially of) Tj ET Q q 0 0 0 rg BT 419.50 406.10 Td (fset by higher compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 376.10 Td (The provision for credit losses was $1.3 billion, up from $682 million, due to reserve increases in the current quarter versus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 364.10 Td (reserve releases in the prior) Tj ET Q q 0 0 0 rg BT 159.25 364.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 210.20 364.10 Td (, and higher net char) Tj ET Q q 0 0 0 rg BT 291.93 364.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 312.84 364.10 Td (fs. ) Tj ET Q q 0 0 0 rg BT 324.89 364.10 Td (The Consumer provision reflected an increase in reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 352.10 Td (of approximately $225 million, primarily driven by growth in the Card portfolio, including growth in newer vintages which, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 340.10 Td (expected, have higher loss rates compared to the overall portfolio. ) Tj ET Q q 0 0 0 rg BT 315.89 340.10 Td (The ) Tj ET Q q 0 0 0 rg BT 333.76 340.10 Td (Wholesale provision was a benefit, primarily driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 328.10 Td (net reserve releases in the Oil & Gas portfolio of approximately $50 million.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (Net income reflects higher income tax expense in the current quarter) Tj ET Q q 0 0 0 rg BT 323.27 310.10 Td (. ) Tj ET Q q 0 0 0 rg BT 328.09 310.10 Td (The prior) Tj ET Q q 0 0 0 rg BT 365.38 310.10 Td (-year quarter included tax benefits of $2.2 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (due to the resolution of tax audits and the release of deferred taxes.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 278.60 511.00 -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 52.50 270.95 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 263.50 Td (CONSUMER & COMMUNITY BANKING \(CCB\)) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 248.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 248.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 248.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 248.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 248.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 248.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 248.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 248.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 248.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 248.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 233.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 233.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 233.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 233.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 233.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 233.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 233.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 233.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 422.50 233.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 233.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 233.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 516.50 233.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 49.50 128.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 230.50 128.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 275.50 128.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 279.50 128.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 324.50 128.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 328.50 128.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 373.50 128.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 377.50 128.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 422.50 128.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 467.50 128.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 471.50 128.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 516.50 128.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 233.60000000000002 m 422.5 233.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 233.60000000000002 m 467.5 233.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 233.60000000000002 m 471.5 233.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 233.60000000000002 m 516.5 233.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 233.60000000000002 m 561.5 233.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 218.60000000000002 m 230.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 218.60000000000002 m 275.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 218.60000000000002 m 279.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 218.60000000000002 m 324.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 218.60000000000002 m 328.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 218.60000000000002 m 373.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 218.60000000000002 m 377.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 218.60000000000002 m 422.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 218.60000000000002 m 467.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 218.60000000000002 m 471.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 218.60000000000002 m 516.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 218.60000000000002 m 275.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 218.60000000000002 m 467.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 218.60000000000002 m 471.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 218.60000000000002 m 516.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 218.60000000000002 m 561.5 218.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 128.60000000000002 m 230.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 113.60000000000002 m 230.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 128.60000000000002 m 275.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 113.60000000000002 m 275.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 128.60000000000002 m 279.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 113.60000000000002 m 279.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 128.60000000000002 m 324.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 113.60000000000002 m 324.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 128.60000000000002 m 328.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 113.60000000000002 m 328.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 128.60000000000002 m 373.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 113.60000000000002 m 373.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 128.60000000000002 m 377.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 113.60000000000002 m 377.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 128.60000000000002 m 422.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 113.60000000000002 m 422.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 128.60000000000002 m 467.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 113.60000000000002 m 467.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 128.60000000000002 m 471.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 113.60000000000002 m 471.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 128.60000000000002 m 516.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 113.60000000000002 m 516.5 113.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 128.60000000000002 m 561.5 128.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 113.60000000000002 m 561.5 113.60000000000002 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 238.27 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.85 238.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.85 238.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 223.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.35 223.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.35 223.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.35 223.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 223.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.10 223.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 223.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 223.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 209.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 208.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 208.27 Td (11,328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 208.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.10 208.27 Td (11,451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 208.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.10 208.27 Td (10,879) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 208.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 208.32 Td (\(123) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 208.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 208.27 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 208.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 208.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 208.27 Td (449) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 208.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 208.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 194.17 Td (Consumer & Business Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 193.27 Td (4,719) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 193.27 Td (4,616) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 193.27 Td (4,555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 193.27 Td (103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 193.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 193.27 Td (164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 193.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 179.17 Td (Mortgage Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 178.27 Td (1,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 178.27 Td (1,921) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 178.27 Td (1,555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 178.32 Td (\(47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 178.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 178.27 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 178.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 178.27 Td (319) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.30 178.27 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 164.17 Td (Card, Commerce Solutions & Auto) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 163.27 Td (4,735) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 163.27 Td (4,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 163.27 Td (4,769) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 163.32 Td (\(179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 163.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 163.27 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 163.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.30 163.32 Td (\(34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 163.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.95 163.27 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 163.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 149.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 148.27 Td (6,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 148.27 Td (6,004) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 148.27 Td (6,237) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 148.27 Td (506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 148.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 148.27 Td (273) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 148.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 134.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 133.27 Td (1,294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 133.27 Td (1,201) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.65 133.27 Td (389) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 133.27 Td (93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 133.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 133.27 Td (905) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.30 133.27 Td (233) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 119.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 118.27 Td (2,204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 118.27 Td (2,656) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 118.27 Td (2,630) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 118.32 Td (\(452) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 118.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.95 118.27 Td (\(17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 118.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 118.32 Td (\(426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 118.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.95 118.27 Td (\(16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 118.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 96.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 96.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 96.10 Td (Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 78.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 78.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 78.10 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 136.42 78.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 78.10 Td (a ) Tj ET Q q 0 0 0 rg BT 174.48 78.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 211.39 78.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.22 78.10 Td (16%. ) Tj ET Q q 0 0 0 rg BT 245.55 78.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 262.49 78.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 296.63 78.10 Td (was ) Tj ET Q q 0 0 0 rg BT 314.69 78.10 Td ($1) Tj ET Q q 0 0 0 rg BT 324.31 78.10 Td (1.3 ) Tj ET Q q 0 0 0 rg BT 339.31 78.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 370.43 78.10 Td (up ) Tj ET Q q 0 0 0 rg BT 382.93 78.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 398.76 78.10 Td (over ) Tj ET Q q 0 0 0 rg BT 419.03 78.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.74 78.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 455.68 78.10 Td (year) Tj ET Q q 0 0 0 rg BT 472.34 78.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 60.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.01 60.10 Td (& ) Tj ET Q q 0 0 0 rg BT 103.20 60.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 141.16 60.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 177.45 60.10 Td (net ) Tj ET Q q 0 0 0 rg BT 192.08 60.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 226.13 60.10 Td (was ) Tj ET Q q 0 0 0 rg BT 244.08 60.10 Td ($4.7 ) Tj ET Q q 0 0 0 rg BT 263.99 60.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 295.01 60.10 Td (up ) Tj ET Q q 0 0 0 rg BT 307.41 60.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 325.65 60.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 366.36 60.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 393.77 60.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 425.06 60.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 458.29 60.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 494.02 60.10 Td (of) Tj ET Q q 0 0 0 rg BT 502.17 60.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 519.01 60.10 Td (by ) Tj ET Q q 0 0 0 rg BT 531.41 60.10 Td (spread ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 48.10 Td (compression. ) Tj ET Q q 0 0 0 rg BT 105.10 48.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 146.53 48.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 182.96 48.10 Td (net ) Tj ET Q q 0 0 0 rg BT 197.73 48.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 231.93 48.10 Td (was ) Tj ET Q q 0 0 0 rg BT 250.03 48.10 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 270.08 48.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 301.25 48.10 Td (up ) Tj ET Q q 0 0 0 rg BT 313.80 48.10 Td (21%, ) Tj ET Q q 0 0 0 rg BT 337.18 48.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 365.28 48.10 Td (by ) Tj ET Q q 0 0 0 rg BT 377.83 48.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 405.93 48.10 Td (MSR ) Tj ET Q q 0 0 0 rg BT 429.60 48.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 447.15 48.10 Td (management ) Tj ET Q q 0 0 0 rg BT 500.79 48.10 Td (results, ) Tj ET Q q 0 0 0 rg BT 531.95 48.10 Td (higher ) 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 (production ) Tj ET Q q 0 0 0 rg BT 95.04 740.10 Td (mar) Tj ET Q q 0 0 0 rg BT 110.41 740.10 Td (gins, ) Tj ET Q q 0 0 0 rg BT 131.79 740.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.44 740.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 185.65 740.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 218.70 740.10 Td (Card, ) Tj ET Q q 0 0 0 rg BT 242.85 740.10 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 288.94 740.10 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 328.94 740.10 Td (& ) Tj ET Q q 0 0 0 rg BT 338.44 740.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 360.66 740.10 Td (net ) Tj ET Q q 0 0 0 rg BT 375.09 740.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 408.95 740.10 Td (was ) Tj ET Q q 0 0 0 rg BT 426.71 740.10 Td ($4.7 ) Tj ET Q q 0 0 0 rg BT 446.43 740.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 477.26 740.10 Td (down ) Tj ET Q q 0 0 0 rg BT 501.69 740.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 519.74 740.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 547.50 740.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (new ) Tj ET Q q 0 0 0 rg BT 68.70 728.10 Td (account ) Tj ET Q q 0 0 0 rg BT 102.33 728.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 148.75 728.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 173.79 728.10 Td (an ) Tj ET Q q 0 0 0 rg BT 185.76 728.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 221.06 728.10 Td (in ) Tj ET Q q 0 0 0 rg BT 231.37 728.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.13 728.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 277.53 728.10 Td (for ) Tj ET Q q 0 0 0 rg BT 291.73 728.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 345.92 728.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 377.89 728.10 Td (and ) Tj ET Q q 0 0 0 rg BT 394.86 728.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 416.00 728.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.98 728.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.73 728.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 477.48 728.10 Td (of ) Tj ET Q q 0 0 0 rg BT 488.35 728.10 Td (renegotiated ) Tj ET Q q 0 0 0 rg BT 540.31 728.10 Td (card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.10 Td (co-brand ) Tj ET Q q 0 0 0 rg BT 87.54 716.10 Td (partnership ) Tj ET Q q 0 0 0 rg BT 135.02 716.10 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 185.55 716.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 246.38 716.10 Td (of) Tj ET Q q 0 0 0 rg BT 254.52 716.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 271.46 716.10 Td (by ) Tj ET Q q 0 0 0 rg BT 283.96 716.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 312.01 716.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 331.73 716.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 354.21 716.10 Td (and ) Tj ET Q q 0 0 0 rg BT 371.15 716.10 Td (card ) Tj ET Q q 0 0 0 rg BT 390.86 716.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 412.80 716.10 Td (volumes ) Tj ET Q q 0 0 0 rg BT 449.18 716.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.12 716.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 494.17 716.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 513.88 716.10 Td (balances. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.44 698.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 132.93 698.10 Td (was ) Tj ET Q q 0 0 0 rg BT 150.77 698.10 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 170.55 698.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 201.45 698.10 Td (an ) Tj ET Q q 0 0 0 rg BT 213.18 698.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 248.22 698.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.83 698.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 276.95 698.10 Td (including ) Tj ET Q q 0 0 0 rg BT 317.00 698.10 Td (two ) Tj ET Q q 0 0 0 rg BT 334.29 698.10 Td (items ) Tj ET Q q 0 0 0 rg BT 358.24 698.10 Td (totaling ) Tj ET Q q 0 0 0 rg BT 391.08 698.10 Td ($175 ) Tj ET Q q 0 0 0 rg BT 413.36 698.10 Td (million ) Tj ET Q q 0 0 0 rg BT 444.54 698.10 Td (in ) Tj ET Q q 0 0 0 rg BT 454.60 698.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.10 698.10 Td (current ) Tj ET Q q 0 0 0 rg BT 499.71 698.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 530.31 698.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 686.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.99 686.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 99.91 686.10 Td (from ) Tj ET Q q 0 0 0 rg BT 122.06 686.10 Td (a ) Tj ET Q q 0 0 0 rg BT 129.20 686.10 Td (merchant ) Tj ET Q q 0 0 0 rg BT 169.11 686.10 Td (in ) Tj ET Q q 0 0 0 rg BT 179.60 686.10 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 227.29 686.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.44 686.10 Td (a ) Tj ET Q q 0 0 0 rg BT 251.58 686.10 Td (modest ) Tj ET Q q 0 0 0 rg BT 283.18 686.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 318.64 686.10 Td (in ) Tj ET Q q 0 0 0 rg BT 329.12 686.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 364.59 686.10 Td (for ) Tj ET Q q 0 0 0 rg BT 378.96 686.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 419.43 686.10 Td (servicing. ) Tj ET Q q 0 0 0 rg BT 461.10 686.10 Td (The ) Tj ET Q q 0 0 0 rg BT 479.35 686.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 514.81 686.10 Td (in ) Tj ET Q q 0 0 0 rg BT 525.30 686.10 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.10 Td (also ) Tj ET Q q 0 0 0 rg BT 68.11 674.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 103.93 674.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 131.98 674.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 151.70 674.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 174.18 674.10 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 226.10 674.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.04 674.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 271.09 674.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 314.13 674.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 348.84 674.10 Td (together ) Tj ET Q q 0 0 0 rg BT 384.10 674.10 Td (totaling ) Tj ET Q q 0 0 0 rg BT 417.15 674.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 477.41 674.10 Td ($250 ) Tj ET Q q 0 0 0 rg BT 499.91 674.10 Td (million. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 656.10 Td (The provision for credit losses was $1.3 billion, an increase of $905 million, primarily reflecting a reserve build of $225 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.10 Td (million, including $200 million for Card and $25 million for ) Tj ET Q q 0 0 0 rg BT 293.09 644.10 Td (Auto, compared with a release of $575 million in Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 632.10 Td (Banking in the prior) Tj ET Q q 0 0 0 rg BT 130.12 632.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 180.92 632.10 Td (.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 615.60 511.00 -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 52.50 607.95 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 600.50 Td (CORPORATE & INVESTMENT BANK \(CIB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 585.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 585.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 585.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 585.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 585.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 585.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 585.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 585.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 585.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 585.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 570.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 570.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 570.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 570.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 570.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 570.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 570.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 570.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 570.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 570.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 570.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 570.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 480.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 480.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 480.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 480.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 480.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 480.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 480.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 480.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 480.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 480.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 480.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 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J 0 j 3 M 378 555.6 m 423 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 555.6 m 468 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 555.6 m 472 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 555.6 m 517 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 555.6 m 562 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 555.6 m 276 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 555.6 m 280 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 555.6 m 325 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 555.6 m 329 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 555.6 m 374 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 555.6 m 378 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 555.6 m 423 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 555.6 m 468 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 555.6 m 472 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 555.6 m 517 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 555.6 m 562 555.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 480.6 m 231 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 465.6 m 231 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 480.6 m 276 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 465.6 m 276 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 480.6 m 280 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 465.6 m 280 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 480.6 m 325 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 465.6 m 325 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 480.6 m 329 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 465.6 m 329 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 480.6 m 374 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 465.6 m 374 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 480.6 m 378 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 465.6 m 378 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 480.6 m 423 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 465.6 m 423 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 480.6 m 468 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 465.6 m 468 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 480.6 m 472 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 465.6 m 472 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 480.6 m 517 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 465.6 m 517 465.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 480.6 m 562 480.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 465.6 m 562 465.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 575.27 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 575.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 575.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 560.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 560.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 560.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 560.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 560.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 560.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 560.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 560.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 546.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 545.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 545.27 Td (9,455) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 545.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 545.27 Td (9,165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 545.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 545.27 Td (8,168) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 545.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 545.27 Td (290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 545.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 545.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 545.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 545.27 Td (1,287) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 545.27 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 545.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 531.17 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 530.27 Td (2,940) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 530.27 Td (2,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 530.27 Td (2,763) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 530.27 Td (279) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 530.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 530.27 Td (177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 530.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 516.17 Td (Markets & Investor Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 515.27 Td (6,515) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 515.27 Td (6,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 515.27 Td (5,405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 515.27 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 515.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 515.27 Td (1,110) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 515.27 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 501.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 500.27 Td (4,934) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 500.27 Td (5,078) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 500.27 Td (6,131) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 500.32 Td (\(144) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 500.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 500.32 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 500.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.30 500.32 Td (\(1,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 500.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 500.32 Td (\(20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 500.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 486.17 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 485.27 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 485.27 Td (235) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 485.27 Td (232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 485.32 Td (\(168) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 485.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 485.32 Td (\(71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 485.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 485.32 Td (\(165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 485.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 485.32 Td (\(71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 485.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 471.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 470.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 470.27 Td (2,912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 470.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 470.27 Td (2,493) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 470.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 470.27 Td (1,464) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 470.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 470.27 Td (419) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 470.27 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 470.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 470.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 470.27 Td (1,448) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 470.27 Td (99) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 470.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 448.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (Net income was $2.9 billion, up $1.4 billion, reflecting higher net revenue and lower legal expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 412.10 Td (Banking revenuewas $2.9 billion, up 6%, driven by higher Investment Banking revenue, up 14%, reflecting higher debt and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 400.10 Td (equity underwriting fees as well as higher advisory fees. ) Tj ET Q q 0 0 0 rg BT 277.03 400.10 Td (The business continued to rank #1 in Global Investment Banking fees. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 388.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 388.10 Td (reasury Services revenue was $917 million, up 2%. Lending revenue was $283 million, down 15%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (Markets & Investor Servicesrevenue was $6.5 billion, up 21%, driven by higher Markets revenue, up 33%. Fixed Income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (Markets revenue was up 48% reflecting broad based strength across products. Rates performance was particularly strong, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (good client activity) Tj ET Q q 0 0 0 rg BT 126.05 346.10 Td (, as markets remained active throughout the quarter) Tj ET Q q 0 0 0 rg BT 331.13 346.10 Td (, post the Brexit vote and in anticipation of Central bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (actions as well as money market reform. Credit and Securitized Products revenue was also higher) Tj ET Q q 0 0 0 rg BT 439.26 334.10 Td (, driven by improving market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (sentiment across primary and secondary markets which produced robust issuance volumes and strong client trading activity) Tj ET Q q 0 0 0 rg BT 542.88 322.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (Equity Markets revenue was up 1%, compared to a strong prior) Tj ET Q q 0 0 0 rg BT 302.84 310.10 Td (-year quarter reflecting continued strength in ) Tj ET Q q 0 0 0 rg BT 483.88 310.10 Td (Asia and strength ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (in North ) Tj ET Q q 0 0 0 rg BT 85.06 298.10 Td (America derivatives, of) Tj ET Q q 0 0 0 rg BT 179.00 298.10 Td (fset by weakness in cash equities volumes. Securities Services revenue remained flat from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 88.09 286.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 268.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 76.44 268.10 Td (Adjustments & Other was a loss of $149 million, primarily driven by derivative valuation adjustments, compared with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 256.10 Td ($154 million gain in the prior) Tj ET Q q 0 0 0 rg BT 167.34 256.10 Td (-year quarter which included funding spread gains on fair value elected liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (Noninterest expense was $4.9 billion, down 20%, driven by lower legal expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 220.10 Td (The provision for credit losses was $67 million, down $165 million from the prior year) Tj ET Q q 0 0 0 rg BT 396.95 220.10 Td (. ) Tj ET Q q 0 0 0 rg BT 401.77 220.10 Td (The current quarter reflected a lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 208.10 Td (reserve build in the Oil & Gas portfolio when compared with the prior) Tj ET Q q 0 0 0 rg BT 330.34 208.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 381.14 208.10 Td (.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 188.60 511.00 -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 52.50 173.50 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 50.00 158.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 158.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 158.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 158.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 158.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 158.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 158.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 158.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 158.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 158.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 143.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 143.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 143.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 143.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 143.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 143.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 143.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 143.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 143.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 143.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 143.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 143.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 83.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 83.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 83.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 83.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 83.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 83.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 83.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 83.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 83.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 83.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 83.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 83.60 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 378 143.60000000000002 m 423 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 143.60000000000002 m 468 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 143.60000000000002 m 472 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 143.60000000000002 m 517 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 143.60000000000002 m 562 143.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 128.60000000000002 m 231 128.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 128.60000000000002 m 276 128.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 128.60000000000002 m 280 128.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 128.60000000000002 m 325 128.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 128.60000000000002 m 329 128.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 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0 j 3 M 517 83.60000000000002 m 562 83.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 68.60000000000002 m 562 68.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 148.27 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 148.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 148.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 133.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 133.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 133.27 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 133.27 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 133.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 133.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 133.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 133.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 119.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 118.27 Td (1,870) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 118.27 Td (1,817) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 118.27 Td (1,644) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 118.27 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 118.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 118.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 118.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 118.27 Td (226) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 118.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 118.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 104.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 103.27 Td (746) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 103.27 Td (731) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 103.27 Td (719) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 103.27 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 103.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 103.27 Td (27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 103.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 89.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 88.27 Td (\(121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 88.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 88.32 Td (\(25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 88.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 88.27 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 88.32 Td (\(96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 88.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.80 88.32 Td (\(384) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 88.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 88.32 Td (\(203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 88.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 88.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 74.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 73.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 73.27 Td (778) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 73.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 73.27 Td (696) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 73.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 73.27 Td (518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 73.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 73.27 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 73.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 73.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 73.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 73.27 Td (260) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 73.27 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 73.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (4) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 740.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 740.25 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 722.25 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 722.25 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 722.25 Td ($778 ) Tj ET Q q 0 0 0 rg BT 138.92 722.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 722.25 Td (an ) Tj ET Q q 0 0 0 rg BT 184.75 722.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.01 722.25 Td (of ) Tj ET Q q 0 0 0 rg BT 230.84 722.25 Td (50%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 704.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.73 704.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.17 704.25 Td (was ) Tj ET Q q 0 0 0 rg BT 119.52 704.25 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 139.81 704.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.22 704.25 Td (up ) Tj ET Q q 0 0 0 rg BT 184.02 704.25 Td (14%, ) Tj ET Q q 0 0 0 rg BT 207.64 704.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 235.98 704.25 Td (by ) Tj ET Q q 0 0 0 rg BT 248.78 704.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 277.12 704.25 Td (net ) Tj ET Q q 0 0 0 rg BT 292.13 704.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 324.36 704.25 Td (income ) Tj ET Q q 0 0 0 rg BT 356.58 704.25 Td (due ) Tj ET Q q 0 0 0 rg BT 373.82 704.25 Td (to ) Tj ET Q q 0 0 0 rg BT 384.39 704.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 404.40 704.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 435.53 704.25 Td (and ) Tj ET Q q 0 0 0 rg BT 452.76 704.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 481.10 704.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 512.78 704.25 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 548.07 704.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.55 692.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 123.93 692.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 158.65 692.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 192.79 692.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 220.84 692.25 Td (by ) Tj ET Q q 0 0 0 rg BT 233.34 692.25 Td (lar) Tj ET Q q 0 0 0 rg BT 243.70 692.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 255.64 692.25 Td (transactions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.04 674.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.14 674.25 Td (was ) Tj ET Q q 0 0 0 rg BT 152.58 674.25 Td ($746 ) Tj ET Q q 0 0 0 rg BT 175.47 674.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 209.75 674.25 Td (up ) Tj ET Q q 0 0 0 rg BT 222.64 674.25 Td (4%, ) Tj ET Q q 0 0 0 rg BT 241.36 674.25 Td (due ) Tj ET Q q 0 0 0 rg BT 258.69 674.25 Td (to ) Tj ET Q q 0 0 0 rg BT 269.36 674.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 320.02 674.25 Td (in ) Tj ET Q q 0 0 0 rg BT 330.69 674.25 Td (technology ) Tj ET Q q 0 0 0 rg BT 378.01 674.25 Td (and ) Tj ET Q q 0 0 0 rg BT 395.34 674.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 435.99 674.25 Td (hiring ) Tj ET Q q 0 0 0 rg BT 462.76 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 473.98 674.25 Td (bankers ) Tj ET Q q 0 0 0 rg BT 507.97 674.25 Td (and ) Tj ET Q q 0 0 0 rg BT 525.30 674.25 Td (business-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (related ) Tj ET Q q 0 0 0 rg BT 79.20 662.25 Td (support ) Tj ET Q q 0 0 0 rg BT 111.70 662.25 Td (staf) Tj ET Q q 0 0 0 rg BT 125.96 662.25 Td (f. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.03 644.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.79 644.25 Td (for ) Tj ET Q q 0 0 0 rg BT 123.43 644.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 149.18 644.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 176.05 644.25 Td (was ) Tj ET Q q 0 0 0 rg BT 194.59 644.25 Td (a ) Tj ET Q q 0 0 0 rg BT 202.01 644.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 232.75 644.25 Td (of ) Tj ET Q q 0 0 0 rg BT 244.07 644.25 Td ($121 ) Tj ET Q q 0 0 0 rg BT 267.05 644.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 301.42 644.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 343.83 644.25 Td (to ) Tj ET Q q 0 0 0 rg BT 354.59 644.25 Td (an ) Tj ET Q q 0 0 0 rg BT 367.01 644.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 402.20 644.25 Td (of ) Tj ET Q q 0 0 0 rg BT 413.51 644.25 Td ($82 ) Tj ET Q q 0 0 0 rg BT 431.50 644.25 Td (million ) Tj ET Q q 0 0 0 rg BT 463.37 644.25 Td (in ) Tj ET Q q 0 0 0 rg BT 474.13 644.25 Td (the ) Tj ET Q q 0 0 0 rg BT 489.33 644.25 Td (prior) Tj ET Q q 0 0 0 rg BT 508.57 644.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 532.09 644.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 560.00 644.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 632.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 77.57 632.25 Td (by ) Tj ET Q q 0 0 0 rg BT 90.10 632.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 121.49 632.25 Td (releases, ) Tj ET Q q 0 0 0 rg BT 158.16 632.25 Td (lar) Tj ET Q q 0 0 0 rg BT 168.52 632.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 188.26 632.25 Td (in ) Tj ET Q q 0 0 0 rg BT 198.57 632.25 Td (the ) Tj ET Q q 0 0 0 rg BT 213.31 632.25 Td (Oil ) Tj ET Q q 0 0 0 rg BT 228.61 632.25 Td (& ) Tj ET Q q 0 0 0 rg BT 238.91 632.25 Td (Gas ) Tj ET Q q 0 0 0 rg BT 256.99 632.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 294.51 632.25 Td (due ) Tj ET Q q 0 0 0 rg BT 311.47 632.25 Td (to ) Tj ET Q q 0 0 0 rg BT 321.78 632.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 341.52 632.25 Td (sales. ) Tj ET Q q 0 0 0 rg BT 365.98 632.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 391.27 632.25 Td (than ) Tj ET Q q 0 0 0 rg BT 411.01 632.25 Td (the ) Tj ET Q q 0 0 0 rg BT 425.75 632.25 Td (Oil ) Tj ET Q q 0 0 0 rg BT 441.06 632.25 Td (& ) Tj ET Q q 0 0 0 rg BT 451.36 632.25 Td (Gas ) Tj ET Q q 0 0 0 rg BT 469.44 632.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 509.46 632.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 534.74 632.25 Td (quality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 620.25 Td (remains ) Tj ET Q q 0 0 0 rg BT 83.66 620.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 111.16 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 128.09 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.81 620.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 192.51 620.25 Td (real ) Tj ET Q q 0 0 0 rg BT 209.99 620.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 235.26 620.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 272.75 620.25 Td (experienced ) Tj ET Q q 0 0 0 rg BT 323.55 620.25 Td (no ) Tj ET Q q 0 0 0 rg BT 336.05 620.25 Td (net-char) Tj ET Q q 0 0 0 rg BT 368.63 620.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 389.54 620.25 Td (fs ) Tj ET Q q 0 0 0 rg BT 399.27 620.25 Td (during ) Tj ET Q q 0 0 0 rg BT 427.87 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.59 620.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 470.35 620.25 Td (.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 600.75 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 593.10 148.71 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 585.65 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 50.00 570.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 570.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 570.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 570.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 570.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 570.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 570.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 570.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 570.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 570.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 555.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 555.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 555.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 555.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 555.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 555.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 495.75 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 495.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 495.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 495.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 495.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 495.75 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 555.75 m 423 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 555.75 m 468 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 555.75 m 472 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 555.75 m 517 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 555.75 m 562 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 540.75 m 231 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 540.75 m 276 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 540.75 m 280 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 540.75 m 325 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 540.75 m 329 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 540.75 m 374 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 540.75 m 378 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 540.75 m 423 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 540.75 m 468 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 540.75 m 472 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 540.75 m 517 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 540.75 m 562 540.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 495.75 m 231 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 480.75 m 231 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 495.75 m 276 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 480.75 m 276 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 495.75 m 280 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 480.75 m 280 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 495.75 m 325 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 480.75 m 325 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 495.75 m 329 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 480.75 m 329 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 495.75 m 374 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 480.75 m 374 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 495.75 m 378 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 480.75 m 378 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 495.75 m 423 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 480.75 m 423 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 495.75 m 468 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 480.75 m 468 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 495.75 m 472 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 480.75 m 472 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 495.75 m 517 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 480.75 m 517 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 495.75 m 562 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 480.75 m 562 480.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 560.42 Td (Results for AM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 560.42 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 560.42 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 545.42 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 545.42 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 545.42 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 545.42 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 545.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 545.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 545.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 545.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 531.32 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 530.42 Td (3,047) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 530.42 Td (2,939) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 530.42 Td (2,894) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 530.42 Td (108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 530.42 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 530.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 530.42 Td (153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 530.42 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 530.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 516.32 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 515.42 Td (2,130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 515.42 Td (2,098) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 515.42 Td (2,109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 515.42 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 515.42 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 515.42 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 515.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 501.32 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 500.42 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 500.47 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 500.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 500.47 Td (\(17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 500.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 500.42 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 500.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 500.42 Td (49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 500.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 486.32 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 485.42 Td (557) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 485.42 Td (521) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 485.42 Td (475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 485.42 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 485.42 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 485.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 485.42 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 485.42 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 485.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 463.25 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 463.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 445.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 445.25 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 445.25 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 445.25 Td ($557 ) Tj ET Q q 0 0 0 rg BT 138.92 445.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 445.25 Td (an ) Tj ET Q q 0 0 0 rg BT 184.75 445.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.01 445.25 Td (of ) Tj ET Q q 0 0 0 rg BT 230.84 445.25 Td (17%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.28 427.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.26 427.25 Td (was ) Tj ET Q q 0 0 0 rg BT 118.16 427.25 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 138.00 427.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 168.95 427.25 Td (an ) Tj ET Q q 0 0 0 rg BT 180.73 427.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 215.82 427.25 Td (of ) Tj ET Q q 0 0 0 rg BT 226.49 427.25 Td (5%, ) Tj ET Q q 0 0 0 rg BT 244.66 427.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 272.55 427.25 Td (by ) Tj ET Q q 0 0 0 rg BT 284.89 427.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 312.78 427.25 Td (net ) Tj ET Q q 0 0 0 rg BT 327.34 427.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 359.11 427.25 Td (income ) Tj ET Q q 0 0 0 rg BT 390.88 427.25 Td (due ) Tj ET Q q 0 0 0 rg BT 407.66 427.25 Td (to ) Tj ET Q q 0 0 0 rg BT 417.78 427.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 445.67 427.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 476.90 427.25 Td (and ) Tj ET Q q 0 0 0 rg BT 493.67 427.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 513.23 427.25 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 548.06 427.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 415.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.22 415.25 Td (growth. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 397.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 397.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 397.25 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 397.25 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 171.41 397.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 397.25 Td (an ) Tj ET Q q 0 0 0 rg BT 214.47 397.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 249.72 397.25 Td (of ) Tj ET Q q 0 0 0 rg BT 260.55 397.25 Td (1%, ) Tj ET Q q 0 0 0 rg BT 278.88 397.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 306.93 397.25 Td (by ) Tj ET Q q 0 0 0 rg BT 319.43 397.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 347.47 397.25 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 426.59 397.25 Td (compensation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 379.25 Td (Assets ) Tj ET Q q 0 0 0 rg BT 77.72 379.25 Td (under ) Tj ET Q q 0 0 0 rg BT 102.60 379.25 Td (management ) Tj ET Q q 0 0 0 rg BT 155.80 379.25 Td (were ) Tj ET Q q 0 0 0 rg BT 177.34 379.25 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 196.95 379.25 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 228.79 379.25 Td (up ) Tj ET Q q 0 0 0 rg BT 240.90 379.25 Td (4%, ) Tj ET Q q 0 0 0 rg BT 258.84 379.25 Td (due ) Tj ET Q q 0 0 0 rg BT 275.39 379.25 Td (to ) Tj ET Q q 0 0 0 rg BT 285.28 379.25 Td (the ) Tj ET Q q 0 0 0 rg BT 299.60 379.25 Td (ef) Tj ET Q q 0 0 0 rg BT 307.19 379.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 324.29 379.25 Td (of ) Tj ET Q q 0 0 0 rg BT 334.73 379.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 362.39 379.25 Td (market ) Tj ET Q q 0 0 0 rg BT 392.26 379.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 417.70 379.25 Td (and ) Tj ET Q q 0 0 0 rg BT 434.25 379.25 Td (inflows ) Tj ET Q q 0 0 0 rg BT 466.36 379.25 Td (into ) Tj ET Q q 0 0 0 rg BT 484.02 379.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 525.57 379.25 Td (products. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 359.75 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 352.10 69.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 344.65 Td (CORPORATE) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 329.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 329.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 329.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 329.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 329.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 329.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 329.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 329.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 329.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 329.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 314.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 314.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 314.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 314.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 314.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 314.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 314.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 314.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 314.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 314.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 314.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 314.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 284.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 284.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 284.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 284.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 284.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 284.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 269.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 269.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 269.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 269.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 269.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 269.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 254.75 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 254.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 254.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 254.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 254.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 254.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 254.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 254.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 254.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 254.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 254.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 254.75 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 314.75 m 423 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 314.75 m 468 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 314.75 m 472 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 314.75 m 517 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 314.75 m 562 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 299.75 m 231 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 299.75 m 276 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 299.75 m 280 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 299.75 m 325 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 299.75 m 329 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 299.75 m 374 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 299.75 m 378 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 299.75 m 423 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 299.75 m 468 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 299.75 m 472 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 299.75 m 517 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 299.75 m 562 299.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 254.75 m 231 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 239.75 m 231 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 254.75 m 276 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 239.75 m 276 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 254.75 m 280 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 239.75 m 280 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 254.75 m 325 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 239.75 m 325 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 254.75 m 329 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 239.75 m 329 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 254.75 m 374 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 239.75 m 374 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 254.75 m 378 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 239.75 m 378 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 254.75 m 423 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 239.75 m 423 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 254.75 m 468 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 239.75 m 468 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 254.75 m 472 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 239.75 m 472 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 254.75 m 517 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 239.75 m 517 239.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 254.75 m 562 254.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 239.75 m 562 239.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 319.42 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 319.42 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 319.42 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 304.42 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 304.42 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 304.42 Td (2Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 304.42 Td (3Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 304.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 304.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 304.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 304.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 290.32 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 289.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 289.42 Td (\(188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 289.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 289.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 289.47 Td (\(158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 289.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 289.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 289.47 Td (\(50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 289.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 289.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 289.47 Td (\(30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 289.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 289.42 Td (\(19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 289.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 289.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 289.47 Td (\(138) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 289.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.45 289.42 Td (\(276) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 289.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 275.32 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 274.42 Td (143) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 274.47 Td (\(273) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 274.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 274.42 Td (172) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 274.42 Td (416) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 274.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 274.47 Td (\(29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 274.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 274.42 Td (\(17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 274.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 260.32 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.80 259.42 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 259.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 259.47 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 259.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.80 259.47 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 259.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 259.42 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 259.42 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 259.42 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 259.42 Td (75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 259.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 245.32 Td (Net income/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 244.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 244.42 Td (\(165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 244.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 244.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 244.47 Td (\(166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 244.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 244.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 244.42 Td (1,717) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 244.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 244.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 244.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 244.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 244.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.30 244.47 Td (\(1,882) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 244.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 244.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 222.25 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 204.25 Td (Net loss was $165 million, compared with net income of $1.7 billion in the prior) Tj ET Q q 0 0 0 rg BT 371.47 204.25 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 422.42 204.25 Td (, primarily driven by tax benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 192.25 Td (of $1.9 billion related to the resolution of tax audits in the prior) Tj ET Q q 0 0 0 rg BT 302.30 192.25 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 353.10 192.25 Td (.) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 59.50 740.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 85.88 740.25 Td (on ) Tj ET Q q 0 0 0 rg BT 98.94 740.25 Td (key ) Tj ET Q q 0 0 0 rg BT 116.44 740.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 173.92 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 205.40 740.25 Td (es ) Tj ET Q q 0 0 0 rg BT 216.23 740.25 Td (and ) Tj ET Q q 0 0 0 rg BT 234.85 740.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 282.08 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 284.58 740.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 324.31 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 355.79 740.25 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 716.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 716.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 716.25 Td (key ) Tj ET Q q 0 0 0 rg BT 106.44 716.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 163.92 716.25 Td (measur) Tj ET Q q 0 0 0 rg BT 195.40 716.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 692.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.91 692.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 103.60 692.25 Td (common ) Tj ET Q q 0 0 0 rg BT 139.84 692.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 166.09 692.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 204.26 692.25 Td (return ) Tj ET Q q 0 0 0 rg BT 229.39 692.25 Td (on ) Tj ET Q q 0 0 0 rg BT 240.64 692.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 274.11 692.25 Td (common ) Tj ET Q q 0 0 0 rg BT 310.35 692.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 336.60 692.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 386.17 692.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.86 692.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 435.32 692.25 Td (book ) Tj ET Q q 0 0 0 rg BT 456.57 692.25 Td (value ) Tj ET Q q 0 0 0 rg BT 479.48 692.25 Td (per ) Tj ET Q q 0 0 0 rg BT 493.50 692.25 Td (share ) Tj ET Q q 0 0 0 rg BT 515.85 692.25 Td (\(TBVPS\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 680.25 Td (are ) Tj ET Q q 0 0 0 rg BT 83.52 680.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 130.65 680.25 Td (key ) Tj ET Q q 0 0 0 rg BT 148.90 680.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 187.70 680.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 242.04 680.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 285.28 680.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 307.98 680.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 352.33 680.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.37 680.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 390.59 680.25 Td (s ) Tj ET Q q 0 0 0 rg BT 398.30 680.25 Td (common ) Tj ET Q q 0 0 0 rg BT 437.11 680.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 490.24 680.25 Td ( ) Tj ET Q q 0 0 0 rg BT 494.06 680.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 522.87 680.25 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 544.73 680.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 668.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 120.63 668.25 Td ( ) Tj ET Q q 0 0 0 rg BT 123.59 668.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 151.54 668.25 Td (less ) Tj ET Q q 0 0 0 rg BT 169.49 668.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 209.08 668.25 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 236.47 668.25 Td (less ) Tj ET Q q 0 0 0 rg BT 254.43 668.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 292.94 668.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.33 668.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 358.82 668.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 401.77 668.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 428.05 668.25 Td (\(other ) Tj ET Q q 0 0 0 rg BT 454.88 668.25 Td (than ) Tj ET Q q 0 0 0 rg BT 475.05 668.25 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 508.85 668.25 Td (net ) Tj ET Q q 0 0 0 rg BT 524.02 668.25 Td (of ) Tj ET Q q 0 0 0 rg BT 535.31 668.25 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 656.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 104.26 656.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 119.94 656.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 163.11 656.25 Td (For ) Tj ET Q q 0 0 0 rg BT 180.46 656.25 Td (a ) Tj ET Q q 0 0 0 rg BT 188.36 656.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 246.80 656.25 Td (of ) Tj ET Q q 0 0 0 rg BT 258.58 656.25 Td (common ) Tj ET Q q 0 0 0 rg BT 297.04 656.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 350.17 656.25 Td ( ) Tj ET Q q 0 0 0 rg BT 353.63 656.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 382.08 656.25 Td (to ) Tj ET Q q 0 0 0 rg BT 393.07 656.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 417.92 656.25 Td (see ) Tj ET Q q 0 0 0 rg BT 434.14 656.25 Td (page ) Tj ET Q q 0 0 0 rg BT 456.48 656.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 464.94 656.25 Td (of ) Tj ET Q q 0 0 0 rg BT 476.73 656.25 Td (the ) Tj ET Q q 0 0 0 rg BT 492.40 656.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 531.41 656.25 Td (Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 106.59 644.25 Td (Supplement. ) Tj ET Q q 0 0 0 rg BT 158.75 644.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 193.40 644.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 232.49 644.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.59 644.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 268.81 644.25 Td (s ) Tj ET Q q 0 0 0 rg BT 274.58 644.25 Td (net ) Tj ET Q q 0 0 0 rg BT 288.68 644.25 Td (income ) Tj ET Q q 0 0 0 rg BT 320.00 644.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 362.96 644.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.62 644.25 Td (common ) Tj ET Q q 0 0 0 rg BT 409.50 644.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 436.37 644.25 Td (as ) Tj ET Q q 0 0 0 rg BT 446.58 644.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.90 644.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 498.08 644.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.29 644.25 Td (average ) Tj ET Q q 0 0 0 rg BT 541.12 644.25 Td (TCE. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 632.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 101.70 632.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 145.31 632.25 Td (the ) Tj ET Q q 0 0 0 rg BT 160.61 632.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 188.60 632.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 210.56 632.25 Td (at ) Tj ET Q q 0 0 0 rg BT 220.86 632.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 267.25 632.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 300.32 632.25 Td (by ) Tj ET Q q 0 0 0 rg BT 313.40 632.25 Td (common ) Tj ET Q q 0 0 0 rg BT 351.47 632.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 379.53 632.25 Td (at ) Tj ET Q q 0 0 0 rg BT 389.83 632.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 438.50 632.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 462.96 632.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 498.81 632.25 Td (and ) Tj ET Q q 0 0 0 rg BT 516.11 632.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 550.31 632.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 115.54 620.25 Td (to ) Tj ET Q q 0 0 0 rg BT 125.82 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.54 620.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 164.99 620.25 Td (as ) Tj ET Q q 0 0 0 rg BT 175.82 620.25 Td (well ) Tj ET Q q 0 0 0 rg BT 195.53 620.25 Td (as ) Tj ET Q q 0 0 0 rg BT 206.36 620.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 244.97 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 261.91 620.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 299.13 620.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.40 620.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 349.13 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 363.84 620.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 386.07 620.25 Td (s ) Tj ET Q q 0 0 0 rg BT 392.46 620.25 Td (use ) Tj ET Q q 0 0 0 rg BT 408.29 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.12 620.25 Td (equity) Tj ET Q q 0 0 0 rg BT 443.47 620.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 596.25 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 596.25 Td (Core ) Tj ET Q q 0 0 0 rg BT 89.56 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 113.29 596.25 Td (include ) Tj ET Q q 0 0 0 rg BT 145.35 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 169.08 596.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 215.01 596.25 Td (central ) Tj ET Q q 0 0 0 rg BT 244.84 596.25 Td (to ) Tj ET Q q 0 0 0 rg BT 255.24 596.25 Td (the ) Tj ET Q q 0 0 0 rg BT 270.08 596.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 292.30 596.25 Td (s ) Tj ET Q q 0 0 0 rg BT 298.82 596.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 334.22 596.25 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 381.84 596.25 Td (core ) Tj ET Q q 0 0 0 rg BT 401.67 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 425.40 596.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 459.12 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 482.85 596.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 523.23 596.25 Td (as ) Tj ET Q q 0 0 0 rg BT 534.18 596.25 Td (trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.61 584.25 Td (runof) Tj ET Q q 0 0 0 rg BT 117.09 584.25 Td (f ) Tj ET Q q 0 0 0 rg BT 122.71 584.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 166.37 584.25 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 219.76 584.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 260.93 584.25 Td (and ) Tj ET Q q 0 0 0 rg BT 277.65 584.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 318.82 584.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.32 584.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 355.05 584.25 Td (has ) Tj ET Q q 0 0 0 rg BT 370.66 584.25 Td (an ) Tj ET Q q 0 0 0 rg BT 382.39 584.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 407.44 584.25 Td (to ) Tj ET Q q 0 0 0 rg BT 417.50 584.25 Td (exit. ) Tj ET Q q 0 0 0 rg BT 437.28 584.25 Td (For ) Tj ET Q q 0 0 0 rg BT 453.45 584.25 Td (further ) Tj ET Q q 0 0 0 rg BT 482.94 584.25 Td (information ) Tj ET Q q 0 0 0 rg BT 532.44 584.25 Td (on ) Tj ET Q q 0 0 0 rg BT 544.72 584.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 91.11 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.05 572.25 Td (core ) Tj ET Q q 0 0 0 rg BT 127.75 572.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 153.86 572.25 Td (see ) Tj ET Q q 0 0 0 rg BT 169.13 572.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 194.40 572.25 Td (3, ) Tj ET Q q 0 0 0 rg BT 204.40 572.25 Td (12, ) Tj ET Q q 0 0 0 rg BT 219.40 572.25 Td (16, ) Tj ET Q q 0 0 0 rg BT 234.40 572.25 Td (19, ) Tj ET Q q 0 0 0 rg BT 249.40 572.25 Td (21 ) Tj ET Q q 0 0 0 rg BT 261.90 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.84 572.25 Td (23 ) Tj ET Q q 0 0 0 rg BT 291.34 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.17 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 316.88 572.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 354.93 572.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 388.53 572.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 428.24 572.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 548.25 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 109.42 548.25 Td (as ) Tj ET Q q 0 0 0 rg BT 119.69 548.25 Td (of ) Tj ET Q q 0 0 0 rg BT 129.95 548.25 Td (September ) Tj ET Q q 0 0 0 rg BT 174.65 548.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 189.08 548.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 213.52 548.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 252.68 548.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 279.46 548.25 Td (T) Tj ET Q q 0 0 0 rg BT 285.22 548.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 297.70 548.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 304.64 548.25 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 345.99 548.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 377.08 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 391.23 548.25 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 417.05 548.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 437.31 548.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.68 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 467.83 548.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 528.63 548.25 Td (leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 536.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 88.37 536.25 Td (\(SLR\) ) Tj ET Q q 0 0 0 rg BT 124.79 536.25 Td (under ) Tj ET Q q 0 0 0 rg BT 150.11 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.87 536.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 189.64 536.25 Td (III ) Tj ET Q q 0 0 0 rg BT 201.61 536.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 244.69 536.25 Td (Fully ) Tj ET Q q 0 0 0 rg BT 268.36 536.25 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 310.90 536.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 340.09 536.25 Td (rules, ) Tj ET Q q 0 0 0 rg BT 364.58 536.25 Td (to ) Tj ET Q q 0 0 0 rg BT 374.90 536.25 Td (which ) Tj ET Q q 0 0 0 rg BT 401.89 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 416.65 536.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 438.64 536.25 Td (will ) Tj ET Q q 0 0 0 rg BT 456.75 536.25 Td (be ) Tj ET Q q 0 0 0 rg BT 468.73 536.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 499.60 536.25 Td (as ) Tj ET Q q 0 0 0 rg BT 510.48 536.25 Td (of ) Tj ET Q q 0 0 0 rg BT 521.36 536.25 Td (January ) Tj ET Q q 0 0 0 rg BT 555.00 536.25 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 524.25 Td (2019, ) Tj ET Q q 0 0 0 rg BT 91.48 524.25 Td (are ) Tj ET Q q 0 0 0 rg BT 105.16 524.25 Td (each ) Tj ET Q q 0 0 0 rg BT 124.95 524.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 169.75 524.25 Td (key ) Tj ET Q q 0 0 0 rg BT 185.66 524.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 228.23 524.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 256.36 524.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 297.44 524.25 Td (These ) Tj ET Q q 0 0 0 rg BT 322.79 524.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 361.48 524.25 Td (are ) Tj ET Q q 0 0 0 rg BT 375.16 524.25 Td (used ) Tj ET Q q 0 0 0 rg BT 394.97 524.25 Td (by ) Tj ET Q q 0 0 0 rg BT 406.44 524.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 461.51 524.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 482.42 524.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 526.39 524.25 Td (investors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 512.25 Td (and ) Tj ET Q q 0 0 0 rg BT 85.31 512.25 Td (analysts ) Tj ET Q q 0 0 0 rg BT 120.90 512.25 Td (to ) Tj ET Q q 0 0 0 rg BT 132.05 512.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 159.86 512.25 Td (and ) Tj ET Q q 0 0 0 rg BT 177.67 512.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 212.71 512.25 Td (the ) Tj ET Q q 0 0 0 rg BT 228.30 512.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 250.52 512.25 Td (s ) Tj ET Q q 0 0 0 rg BT 257.79 512.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 287.81 512.25 Td (position. ) Tj ET Q q 0 0 0 rg BT 325.91 512.25 Td (For ) Tj ET Q q 0 0 0 rg BT 343.17 512.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 386.53 512.25 Td (information ) Tj ET Q q 0 0 0 rg BT 437.12 512.25 Td (on ) Tj ET Q q 0 0 0 rg BT 450.49 512.25 Td (these ) Tj ET Q q 0 0 0 rg BT 474.41 512.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 517.49 512.25 Td (see ) Tj ET Q q 0 0 0 rg BT 533.63 512.25 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 500.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 121.92 500.25 Td (on ) Tj ET Q q 0 0 0 rg BT 134.14 500.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 159.13 500.25 Td (149-158 ) Tj ET Q q 0 0 0 rg BT 194.68 500.25 Td (of ) Tj ET Q q 0 0 0 rg BT 205.23 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 219.66 500.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 246.53 500.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 278.19 500.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 307.63 500.25 Td (on ) Tj ET Q q 0 0 0 rg BT 319.85 500.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 343.74 500.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 366.51 500.25 Td (for ) Tj ET Q q 0 0 0 rg BT 380.39 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 394.82 500.25 Td (year ) Tj ET Q q 0 0 0 rg BT 414.25 500.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 440.35 500.25 Td (December ) Tj ET Q q 0 0 0 rg BT 483.65 500.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 498.37 500.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 523.09 500.25 Td (and ) Tj ET Q q 0 0 0 rg BT 539.74 500.25 Td (pages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 488.25 Td (63-69 ) Tj ET Q q 0 0 0 rg BT 93.33 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.16 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 118.88 488.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 141.10 488.25 Td (s ) Tj ET Q q 0 0 0 rg BT 147.50 488.25 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 188.31 488.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 218.03 488.25 Td (on ) Tj ET Q q 0 0 0 rg BT 230.53 488.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 254.70 488.25 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 277.75 488.25 Td (for ) Tj ET Q q 0 0 0 rg BT 291.91 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.63 488.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 337.44 488.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 363.82 488.25 Td (June ) Tj ET Q q 0 0 0 rg BT 384.65 488.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 399.65 488.25 Td (2016.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 452.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 452.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 452.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 136.17 452.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.67 452.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.40 452.25 Td (measur) Tj ET Q q 0 0 0 rg BT 209.88 452.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 428.25 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 428.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.98 428.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.91 428.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.84 428.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.86 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.23 428.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 205.53 428.25 Td (results ) Tj ET Q q 0 0 0 rg BT 233.79 428.25 Td (on ) Tj ET Q q 0 0 0 rg BT 245.94 428.25 Td (a ) Tj ET Q q 0 0 0 rg BT 252.53 428.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 288.00 428.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 312.65 428.25 Td (management ) Tj ET Q q 0 0 0 rg BT 365.89 428.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 399.14 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 413.51 428.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 440.81 428.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.57 428.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.49 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.86 428.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 416.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 91.40 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.91 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.20 416.25 Td (results ) Tj ET Q q 0 0 0 rg BT 153.38 416.25 Td (of ) Tj ET Q q 0 0 0 rg BT 164.78 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.07 416.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 202.03 416.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.43 416.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 252.90 416.25 Td (on ) Tj ET Q q 0 0 0 rg BT 265.97 416.25 Td (a ) Tj ET Q q 0 0 0 rg BT 273.48 416.25 Td (managed?) Tj ET Q q 0 0 0 rg BT 321.53 416.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 347.10 416.25 Td (which ) Tj ET Q q 0 0 0 rg BT 374.61 416.25 Td (are ) Tj ET Q q 0 0 0 rg BT 389.89 416.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 435.08 416.25 Td ( ) Tj ET Q q 0 0 0 rg BT 438.15 416.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 476.20 416.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 518.76 416.25 Td (The ) Tj ET Q q 0 0 0 rg BT 537.38 416.25 Td (Firm's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 404.25 Td (definition ) Tj ET Q q 0 0 0 rg BT 108.90 404.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.74 404.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 158.35 404.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 180.86 404.25 Td (starts ) Tj ET Q q 0 0 0 rg BT 204.48 404.25 Td (with ) Tj ET Q q 0 0 0 rg BT 224.77 404.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.50 404.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 275.33 404.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 295.63 404.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 322.49 404.25 Td ( ) Tj ET Q q 0 0 0 rg BT 325.00 404.25 Td (results ) Tj ET Q q 0 0 0 rg BT 353.62 404.25 Td (and ) Tj ET Q q 0 0 0 rg BT 370.57 404.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 406.41 404.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 436.13 404.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 503.06 404.25 Td (to ) Tj ET Q q 0 0 0 rg BT 513.35 404.25 Td (present ) Tj ET Q q 0 0 0 rg BT 544.74 404.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 392.25 Td (net ) Tj ET Q q 0 0 0 rg BT 81.42 392.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 114.77 392.25 Td (for ) Tj ET Q q 0 0 0 rg BT 128.13 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.05 392.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.20 392.25 Td (\(and ) Tj ET Q q 0 0 0 rg BT 182.67 392.25 Td (each ) Tj ET Q q 0 0 0 rg BT 202.69 392.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.73 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.65 392.25 Td (business ) Tj ET Q q 0 0 0 rg BT 262.24 392.25 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 304.49 392.25 Td (on ) Tj ET Q q 0 0 0 rg BT 316.19 392.25 Td (a ) Tj ET Q q 0 0 0 rg BT 322.34 392.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 342.93 392.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 418.48 392.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 453.50 392.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 477.33 392.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 526.66 392.25 Td (, ) Tj ET Q q 0 0 0 rg BT 530.87 392.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.25 Td (from ) Tj ET Q q 0 0 0 rg BT 89.14 380.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 139.11 380.25 Td (that ) Tj ET Q q 0 0 0 rg BT 156.31 380.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 187.37 380.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 201.79 380.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 230.65 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.29 380.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 294.47 380.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 334.43 380.25 Td (is ) Tj ET Q q 0 0 0 rg BT 343.31 380.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 383.82 380.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.80 380.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.22 380.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 446.51 380.25 Td (results ) Tj ET Q q 0 0 0 rg BT 474.82 380.25 Td (on ) Tj ET Q q 0 0 0 rg BT 487.03 380.25 Td (a ) Tj ET Q q 0 0 0 rg BT 493.67 380.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 515.87 380.25 Td (comparable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 368.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.49 368.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 108.57 368.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 158.56 368.25 Td (and ) Tj ET Q q 0 0 0 rg BT 175.21 368.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 217.53 368.25 Td (These ) Tj ET Q q 0 0 0 rg BT 243.61 368.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 288.80 368.25 Td ( ) Tj ET Q q 0 0 0 rg BT 291.01 368.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 328.20 368.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 367.62 368.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 392.05 368.25 Td (management ) Tj ET Q q 0 0 0 rg BT 445.35 368.25 Td (to ) Tj ET Q q 0 0 0 rg BT 455.34 368.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 482.00 368.25 Td (the ) Tj ET Q q 0 0 0 rg BT 496.43 368.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 554.18 368.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 356.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.34 356.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 130.75 356.25 Td (from ) Tj ET Q q 0 0 0 rg BT 152.38 356.25 Td (both ) Tj ET Q q 0 0 0 rg BT 172.34 356.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 203.41 356.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.04 356.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 267.21 356.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 301.73 356.25 Td (The ) Tj ET Q q 0 0 0 rg BT 319.47 356.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 378.87 356.25 Td (income ) Tj ET Q q 0 0 0 rg BT 410.49 356.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 424.90 356.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 454.31 356.25 Td (related ) Tj ET Q q 0 0 0 rg BT 483.70 356.25 Td (to ) Tj ET Q q 0 0 0 rg BT 493.67 356.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 540.84 356.25 Td (items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 344.25 Td (is ) Tj ET Q q 0 0 0 rg BT 76.63 344.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 114.07 344.25 Td (within ) Tj ET Q q 0 0 0 rg BT 142.09 344.25 Td (income ) Tj ET Q q 0 0 0 rg BT 173.99 344.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 188.66 344.25 Td (expense. ) Tj ET Q q 0 0 0 rg BT 225.66 344.25 Td (These ) Tj ET Q q 0 0 0 rg BT 252.00 344.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 302.23 344.25 Td (have ) Tj ET Q q 0 0 0 rg BT 323.57 344.25 Td (no ) Tj ET Q q 0 0 0 rg BT 336.03 344.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 365.71 344.25 Td (on ) Tj ET Q q 0 0 0 rg BT 378.17 344.25 Td (net ) Tj ET Q q 0 0 0 rg BT 392.85 344.25 Td (income ) Tj ET Q q 0 0 0 rg BT 424.74 344.25 Td (as ) Tj ET Q q 0 0 0 rg BT 435.54 344.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 471.31 344.25 Td (by ) Tj ET Q q 0 0 0 rg BT 483.78 344.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.46 344.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 520.37 344.25 Td (as ) Tj ET Q q 0 0 0 rg BT 531.16 344.25 Td (a ) Tj ET Q q 0 0 0 rg BT 538.06 344.25 Td (whole ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 332.25 Td (or ) Tj ET Q q 0 0 0 rg BT 79.05 332.25 Td (by ) Tj ET Q q 0 0 0 rg BT 92.27 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 107.70 332.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 129.80 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.35 332.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 180.96 332.25 Td (For ) Tj ET Q q 0 0 0 rg BT 198.07 332.25 Td (a ) Tj ET Q q 0 0 0 rg BT 205.73 332.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 263.92 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 275.47 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.90 332.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 313.13 332.25 Td (s ) Tj ET Q q 0 0 0 rg BT 320.24 332.25 Td (results ) Tj ET Q q 0 0 0 rg BT 349.57 332.25 Td (from ) Tj ET Q q 0 0 0 rg BT 372.22 332.25 Td (a ) Tj ET Q q 0 0 0 rg BT 379.88 332.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 416.41 332.25 Td (to ) Tj ET Q q 0 0 0 rg BT 427.41 332.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 466.72 332.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 492.44 332.25 Td (see ) Tj ET Q q 0 0 0 rg BT 508.42 332.25 Td (page ) Tj ET Q q 0 0 0 rg BT 530.52 332.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 538.74 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 550.28 332.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 320.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 105.55 320.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 139.14 320.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 178.85 320.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 295.05 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 295.05 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 105.74 295.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.07 295.05 Td (and ) Tj ET Q q 0 0 0 rg BT 156.64 295.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 192.09 295.05 Td (overhead ) Tj ET Q q 0 0 0 rg BT 230.86 295.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 251.32 295.05 Td (are ) Tj ET Q q 0 0 0 rg BT 265.65 295.05 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 310.84 295.05 Td ( ) Tj ET Q q 0 0 0 rg BT 312.97 295.05 Td (financial ) Tj ET Q q 0 0 0 rg BT 350.07 295.05 Td (measures) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 387.28 295.05 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.37 295.05 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 430.61 295.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 464.94 295.05 Td (excludes ) Tj ET Q q 0 0 0 rg BT 502.06 295.05 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 543.07 295.05 Td (legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 283.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 102.93 283.05 Td (\(a ) Tj ET Q q 0 0 0 rg BT 113.92 283.05 Td (benefit ) Tj ET Q q 0 0 0 rg BT 144.90 283.05 Td (of ) Tj ET Q q 0 0 0 rg BT 156.46 283.05 Td ($71 ) Tj ET Q q 0 0 0 rg BT 174.68 283.05 Td (million ) Tj ET Q q 0 0 0 rg BT 206.79 283.05 Td (in ) Tj ET Q q 0 0 0 rg BT 217.79 283.05 Td (the ) Tj ET Q q 0 0 0 rg BT 233.23 283.05 Td (third ) Tj ET Q q 0 0 0 rg BT 255.34 283.05 Td (quarter ) Tj ET Q q 0 0 0 rg BT 286.88 283.05 Td (of ) Tj ET Q q 0 0 0 rg BT 298.43 283.05 Td (2016\). ) Tj ET Q q 0 0 0 rg BT 327.25 283.05 Td (The ) Tj ET Q q 0 0 0 rg BT 346.01 283.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 382.56 283.05 Td (overhead ) Tj ET Q q 0 0 0 rg BT 422.43 283.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 443.98 283.05 Td (measures ) Tj ET Q q 0 0 0 rg BT 484.40 283.05 Td (the ) Tj ET Q q 0 0 0 rg BT 499.84 283.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 522.07 283.05 Td (s ) Tj ET Q q 0 0 0 rg BT 529.18 283.05 Td (adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 271.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 101.80 271.05 Td (as ) Tj ET Q q 0 0 0 rg BT 112.22 271.05 Td (a ) Tj ET Q q 0 0 0 rg BT 118.75 271.05 Td (percentage ) Tj ET Q q 0 0 0 rg BT 164.14 271.05 Td (of ) Tj ET Q q 0 0 0 rg BT 174.56 271.05 Td (managed ) Tj ET Q q 0 0 0 rg BT 212.74 271.05 Td (net ) Tj ET Q q 0 0 0 rg BT 227.05 271.05 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 263.28 271.05 Td (Management ) Tj ET Q q 0 0 0 rg BT 317.57 271.05 Td (believes ) Tj ET Q q 0 0 0 rg BT 352.43 271.05 Td (this ) Tj ET Q q 0 0 0 rg BT 368.96 271.05 Td (information ) Tj ET Q q 0 0 0 rg BT 418.27 271.05 Td (helps ) Tj ET Q q 0 0 0 rg BT 441.46 271.05 Td (investors ) Tj ET Q q 0 0 0 rg BT 479.66 271.05 Td (understand ) Tj ET Q q 0 0 0 rg BT 525.63 271.05 Td (the ) Tj ET Q q 0 0 0 rg BT 539.94 271.05 Td (ef) Tj ET Q q 0 0 0 rg BT 547.52 271.05 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 259.05 Td (of ) Tj ET Q q 0 0 0 rg BT 78.33 259.05 Td (these ) Tj ET Q q 0 0 0 rg BT 101.38 259.05 Td (items ) Tj ET Q q 0 0 0 rg BT 125.54 259.05 Td (on ) Tj ET Q q 0 0 0 rg BT 138.04 259.05 Td (reported ) Tj ET Q q 0 0 0 rg BT 173.86 259.05 Td (results ) Tj ET Q q 0 0 0 rg BT 202.47 259.05 Td (and ) Tj ET Q q 0 0 0 rg BT 219.40 259.05 Td (provides ) Tj ET Q q 0 0 0 rg BT 256.34 259.05 Td (an ) Tj ET Q q 0 0 0 rg BT 268.28 259.05 Td (alternate ) Tj ET Q q 0 0 0 rg BT 305.20 259.05 Td (presentation ) Tj ET Q q 0 0 0 rg BT 356.57 259.05 Td (of ) Tj ET Q q 0 0 0 rg BT 367.40 259.05 Td (the ) Tj ET Q q 0 0 0 rg BT 382.12 259.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 404.35 259.05 Td (s ) Tj ET Q q 0 0 0 rg BT 410.74 259.05 Td (performance.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 97.57 740.25 Td (notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (2. ) Tj ET Q q 0 0 0 rg BT 58.86 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 60.71 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 62.57 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 64.42 710.25 Td (Percentage ) Tj ET Q q 0 0 0 rg BT 110.14 710.25 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 162.54 710.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 186.61 710.25 Td (in ) Tj ET Q q 0 0 0 rg BT 196.25 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 210.32 710.25 Td (bullet ) Tj ET Q q 0 0 0 rg BT 234.95 710.25 Td (points ) Tj ET Q q 0 0 0 rg BT 261.25 710.25 Td (are ) Tj ET Q q 0 0 0 rg BT 275.32 710.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 317.70 710.25 Td (for ) Tj ET Q q 0 0 0 rg BT 331.21 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 345.29 710.25 Td (third ) Tj ET Q q 0 0 0 rg BT 366.03 710.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 396.20 710.25 Td (of ) Tj ET Q q 0 0 0 rg BT 406.38 710.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 428.24 710.25 Td (versus ) Tj ET Q q 0 0 0 rg BT 455.65 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 469.72 710.25 Td (prior) Tj ET Q q 0 0 0 rg BT 488.96 710.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 511.35 710.25 Td (third ) Tj ET Q q 0 0 0 rg BT 532.09 710.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 560.01 710.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 698.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 95.00 698.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 136.38 698.25 Td (specified. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 680.25 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 680.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 680.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 680.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 680.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 680.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 662.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 662.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 136.64 662.25 Td (issuance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 644.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 644.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 626.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.45 626.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 137.29 626.25 Td (and ) Tj ET Q q 0 0 0 rg BT 154.13 626.25 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 194.86 626.25 Td (\(C&I\) ) Tj ET Q q 0 0 0 rg BT 221.70 626.25 Td (and ) Tj ET Q q 0 0 0 rg BT 238.54 626.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 290.38 626.25 Td (Real ) Tj ET Q q 0 0 0 rg BT 311.11 626.25 Td (Estate ) Tj ET Q q 0 0 0 rg BT 337.95 626.25 Td (\(CRE\) ) Tj ET Q q 0 0 0 rg BT 366.46 626.25 Td (groupings ) Tj ET Q q 0 0 0 rg BT 408.86 626.25 Td (are ) Tj ET Q q 0 0 0 rg BT 423.48 626.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 463.08 626.25 Td (based ) Tj ET Q q 0 0 0 rg BT 488.26 626.25 Td (on ) Tj ET Q q 0 0 0 rg BT 500.66 626.25 Td (client ) Tj ET Q q 0 0 0 rg BT 525.28 626.25 Td (segments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (and ) Tj ET Q q 0 0 0 rg BT 84.44 614.25 Td (do ) Tj ET Q q 0 0 0 rg BT 96.94 614.25 Td (not ) Tj ET Q q 0 0 0 rg BT 112.22 614.25 Td (align ) Tj ET Q q 0 0 0 rg BT 134.71 614.25 Td (with ) Tj ET Q q 0 0 0 rg BT 154.99 614.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 198.58 614.25 Td (definitions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 596.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 596.25 Td (High ) Tj ET Q q 0 0 0 rg BT 89.79 596.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 119.85 596.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 145.48 596.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 171.10 596.25 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 216.70 596.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 259.53 596.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.03 596.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 314.64 596.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 346.93 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 357.55 596.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 383.17 596.25 Td (that ) Tj ET Q q 0 0 0 rg BT 400.45 596.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 431.07 596.25 Td (for ) Tj ET Q q 0 0 0 rg BT 445.02 596.25 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 483.97 596.25 Td (in ) Tj ET Q q 0 0 0 rg BT 494.04 596.25 Td (the ) Tj ET Q q 0 0 0 rg BT 508.55 596.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 528.62 596.25 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 106.08 584.25 Td (ratio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 566.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 566.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 566.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.05 566.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.88 566.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.15 566.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.20 566.25 Td (to ) Tj ET Q q 0 0 0 rg BT 202.48 566.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.09 566.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.13 566.25 Td (new ) Tj ET Q q 0 0 0 rg BT 293.30 566.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 566.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.61 566.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.38 566.25 Td (including ) Tj ET Q q 0 0 0 rg BT 414.66 566.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.27 566.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.21 566.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.47 566.25 Td (The ) Tj ET Q q 0 0 0 rg BT 532.52 566.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 554.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.90 554.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 102.74 554.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.36 554.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.22 554.25 Td (small ) Tj ET Q q 0 0 0 rg BT 173.96 554.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.25 554.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.75 554.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.93 554.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.44 554.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.27 554.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.23 554.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.64 554.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.48 554.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 423.10 554.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.17 554.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 478.35 554.25 Td (& ) Tj ET Q q 0 0 0 rg BT 488.21 554.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.84 554.25 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 542.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 91.61 542.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 137.65 542.25 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 177.61 542.25 Td (& ) Tj ET Q q 0 0 0 rg BT 187.08 542.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 212.03 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.64 542.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 280.24 542.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 318.64 542.25 Td (The ) Tj ET Q q 0 0 0 rg BT 336.35 542.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 368.52 542.25 Td (of ) Tj ET Q q 0 0 0 rg BT 379.02 542.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 403.95 542.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 441.67 542.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.62 542.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 491.01 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 507.62 542.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 527.57 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 544.18 542.25 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 530.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.07 530.25 Td (government ) Tj ET Q q 0 0 0 rg BT 138.62 530.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 172.78 530.25 Td (including ) Tj ET Q q 0 0 0 rg BT 213.34 530.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 233.91 530.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 261.41 530.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 323.35 530.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 361.69 530.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.91 530.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 430.30 530.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 473.62 530.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 499.17 530.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 537.50 530.25 Td (by ) Tj ET Q q 0 0 0 rg BT 550.29 530.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 109.99 518.25 Td (& ) Tj ET Q q 0 0 0 rg BT 120.26 518.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 167.20 518.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 190.81 518.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.74 518.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 259.67 518.25 Td (Banking.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 725.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 75.99 725.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 91.74 725.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 117.48 725.70 Td (& ) Tj ET Q q 0 0 0 rg BT 126.56 725.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 142.03 725.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 175.56 725.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 198.54 725.70 Td (is ) Tj ET Q q 0 0 0 rg BT 206.51 725.70 Td (a ) Tj ET Q q 0 0 0 rg BT 212.25 725.70 Td (leading ) Tj ET Q q 0 0 0 rg BT 242.99 725.70 Td (global ) Tj ET Q q 0 0 0 rg BT 269.29 725.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 305.57 725.70 Td (services ) Tj ET Q q 0 0 0 rg BT 339.08 725.70 Td (firm ) Tj ET Q q 0 0 0 rg BT 357.61 725.70 Td (with ) Tj ET Q q 0 0 0 rg BT 376.69 725.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 401.32 725.70 Td (of) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 409.65 725.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.22 725.70 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 430.02 725.70 Td (trillion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.24 725.70 Td ( ) Tj ET Q q 0 0 0 rg BT 458.54 725.70 Td (and ) Tj ET Q q 0 0 0 rg BT 474.29 725.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 517.25 725.70 Td (worldwide. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.70 Td (The ) Tj ET Q q 0 0 0 rg BT 67.21 713.70 Td (Firm ) Tj ET Q q 0 0 0 rg BT 88.82 713.70 Td (is ) Tj ET Q q 0 0 0 rg BT 97.65 713.70 Td (a ) Tj ET Q q 0 0 0 rg BT 104.26 713.70 Td (leader ) Tj ET Q q 0 0 0 rg BT 130.84 713.70 Td (in ) Tj ET Q q 0 0 0 rg BT 140.78 713.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 186.83 713.70 Td (banking, ) Tj ET Q q 0 0 0 rg BT 223.71 713.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 260.85 713.70 Td (services ) Tj ET Q q 0 0 0 rg BT 295.22 713.70 Td (for ) Tj ET Q q 0 0 0 rg BT 309.05 713.70 Td (consumers ) Tj ET Q q 0 0 0 rg BT 353.98 713.70 Td (and ) Tj ET Q q 0 0 0 rg BT 370.58 713.70 Td (small ) Tj ET Q q 0 0 0 rg BT 394.41 713.70 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 441.29 713.70 Td (commercial ) Tj ET Q q 0 0 0 rg BT 490.65 713.70 Td (banking, ) Tj ET Q q 0 0 0 rg BT 527.53 713.70 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 701.70 Td (transaction ) Tj ET Q q 0 0 0 rg BT 95.60 701.70 Td (processing, ) Tj ET Q q 0 0 0 rg BT 143.09 701.70 Td (and ) Tj ET Q q 0 0 0 rg BT 159.75 701.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 181.41 701.70 Td (management. ) Tj ET Q q 0 0 0 rg BT 236.74 701.70 Td (A) Tj ET Q q 0 0 0 rg BT 243.41 701.70 Td ( ) Tj ET Q q 0 0 0 rg BT 245.63 701.70 Td (component ) Tj ET Q q 0 0 0 rg BT 292.29 701.70 Td (of ) Tj ET Q q 0 0 0 rg BT 302.84 701.70 Td (the ) Tj ET Q q 0 0 0 rg BT 317.28 701.70 Td (Dow ) Tj ET Q q 0 0 0 rg BT 338.95 701.70 Td (Jones ) Tj ET Q q 0 0 0 rg BT 363.40 701.70 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 403.46 701.70 Td (A) Tj ET Q q 0 0 0 rg BT 409.93 701.70 Td (verage, ) Tj ET Q q 0 0 0 rg BT 441.30 701.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 467.80 701.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 484.46 701.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 511.12 701.70 Td (& ) Tj ET Q q 0 0 0 rg BT 521.13 701.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 537.52 701.70 Td (serves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 689.70 Td (millions ) Tj ET Q q 0 0 0 rg BT 84.22 689.70 Td (of ) Tj ET Q q 0 0 0 rg BT 94.49 689.70 Td (consumers ) Tj ET Q q 0 0 0 rg BT 139.20 689.70 Td (in ) Tj ET Q q 0 0 0 rg BT 148.92 689.70 Td (the ) Tj ET Q q 0 0 0 rg BT 163.08 689.70 Td (United ) Tj ET Q q 0 0 0 rg BT 192.23 689.70 Td (States ) Tj ET Q q 0 0 0 rg BT 218.06 689.70 Td (and ) Tj ET Q q 0 0 0 rg BT 234.44 689.70 Td (many ) Tj ET Q q 0 0 0 rg BT 258.60 689.70 Td (of ) Tj ET Q q 0 0 0 rg BT 268.87 689.70 Td (the ) Tj ET Q q 0 0 0 rg BT 283.02 689.70 Td (world's ) Tj ET Q q 0 0 0 rg BT 313.99 689.70 Td (most ) Tj ET Q q 0 0 0 rg BT 335.37 689.70 Td (prominent ) Tj ET Q q 0 0 0 rg BT 378.42 689.70 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 420.61 689.70 Td (institutional ) Tj ET Q q 0 0 0 rg BT 470.33 689.70 Td (and ) Tj ET Q q 0 0 0 rg BT 486.71 689.70 Td (government ) Tj ET Q q 0 0 0 rg BT 536.41 689.70 Td (clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.70 Td (under ) Tj ET Q q 0 0 0 rg BT 74.77 677.70 Td (its ) Tj ET Q q 0 0 0 rg BT 86.72 677.70 Td (J.P) Tj ET Q q 0 0 0 rg BT 97.56 677.70 Td (. ) Tj ET Q q 0 0 0 rg BT 102.56 677.70 Td (Mor) Tj ET Q q 0 0 0 rg BT 119.60 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 136.54 677.70 Td (and ) Tj ET Q q 0 0 0 rg BT 153.48 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 180.42 677.70 Td (brands. ) Tj ET Q q 0 0 0 rg BT 212.08 677.70 Td (Information ) Tj ET Q q 0 0 0 rg BT 262.34 677.70 Td (about ) Tj ET Q q 0 0 0 rg BT 287.06 677.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 313.55 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 330.49 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 357.43 677.70 Td (& ) Tj ET Q q 0 0 0 rg BT 367.71 677.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 384.38 677.70 Td (is ) Tj ET Q q 0 0 0 rg BT 393.55 677.70 Td (available ) Tj ET Q q 0 0 0 rg BT 432.14 677.70 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 441.85 677.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 462.87 677.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 489.08 677.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 545.44 677.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 75.99 653.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 92.21 653.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 118.43 653.70 Td (& ) Tj ET Q q 0 0 0 rg BT 127.99 653.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 143.94 653.70 Td (will ) Tj ET Q q 0 0 0 rg BT 161.27 653.70 Td (host ) Tj ET Q q 0 0 0 rg BT 179.72 653.70 Td (a ) Tj ET Q q 0 0 0 rg BT 185.94 653.70 Td (conference ) Tj ET Q q 0 0 0 rg BT 231.58 653.70 Td (call ) Tj ET Q q 0 0 0 rg BT 247.79 653.70 Td (today ) Tj ET Q q 0 0 0 rg BT 271.79 653.70 Td (at ) Tj ET Q q 0 0 0 rg BT 280.78 653.70 Td (8:30 ) Tj ET Q q 0 0 0 rg BT 300.34 653.70 Td (a.m. ) Tj ET Q q 0 0 0 rg BT 319.34 653.70 Td (\(Eastern\) ) Tj ET Q q 0 0 0 rg BT 357.76 653.70 Td (to ) Tj ET Q q 0 0 0 rg BT 367.32 653.70 Td (present ) Tj ET Q q 0 0 0 rg BT 397.98 653.70 Td (third ) Tj ET Q q 0 0 0 rg BT 418.64 653.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 448.74 653.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 485.50 653.70 Td (results. ) Tj ET Q q 0 0 0 rg BT 515.76 653.70 Td (The ) Tj ET Q q 0 0 0 rg BT 533.08 653.70 Td (general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.70 Td (public ) Tj ET Q q 0 0 0 rg BT 77.64 641.70 Td (can ) Tj ET Q q 0 0 0 rg BT 94.67 641.70 Td (access ) Tj ET Q q 0 0 0 rg BT 123.35 641.70 Td (the ) Tj ET Q q 0 0 0 rg BT 138.72 641.70 Td (call ) Tj ET Q q 0 0 0 rg BT 156.30 641.70 Td (by ) Tj ET Q q 0 0 0 rg BT 169.45 641.70 Td (dialing ) Tj ET Q q 0 0 0 rg BT 200.37 641.70 Td (\(866\) ) Tj ET Q q 0 0 0 rg BT 225.18 641.70 Td (541-2724 ) Tj ET Q q 0 0 0 rg BT 266.66 641.70 Td (in ) Tj ET Q q 0 0 0 rg BT 277.59 641.70 Td (the ) Tj ET Q q 0 0 0 rg BT 292.95 641.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 313.88 641.70 Td (and ) Tj ET Q q 0 0 0 rg BT 331.47 641.70 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 367.10 641.70 Td (or ) Tj ET Q q 0 0 0 rg BT 378.58 641.70 Td (\(706\) ) Tj ET Q q 0 0 0 rg BT 403.39 641.70 Td (634-7246 ) Tj ET Q q 0 0 0 rg BT 444.87 641.70 Td (for ) Tj ET Q q 0 0 0 rg BT 459.68 641.70 Td (international ) Tj ET Q q 0 0 0 rg BT 513.36 641.70 Td (participants. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.70 Td (Please ) Tj ET Q q 0 0 0 rg BT 77.11 629.70 Td (dial ) Tj ET Q q 0 0 0 rg BT 94.17 629.70 Td (in ) Tj ET Q q 0 0 0 rg BT 104.01 629.70 Td (10 ) Tj ET Q q 0 0 0 rg BT 116.08 629.70 Td (minutes ) Tj ET Q q 0 0 0 rg BT 149.81 629.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 171.31 629.70 Td (to ) Tj ET Q q 0 0 0 rg BT 181.15 629.70 Td (the ) Tj ET Q q 0 0 0 rg BT 195.43 629.70 Td (start ) Tj ET Q q 0 0 0 rg BT 214.72 629.70 Td (of ) Tj ET Q q 0 0 0 rg BT 225.11 629.70 Td (the ) Tj ET Q q 0 0 0 rg BT 239.39 629.70 Td (call. ) Tj ET Q q 0 0 0 rg BT 258.24 629.70 Td (The ) Tj ET Q q 0 0 0 rg BT 275.85 629.70 Td (live ) Tj ET Q q 0 0 0 rg BT 292.91 629.70 Td (audio ) Tj ET Q q 0 0 0 rg BT 317.19 629.70 Td (webcast ) Tj ET Q q 0 0 0 rg BT 351.46 629.70 Td (and ) Tj ET Q q 0 0 0 rg BT 367.97 629.70 Td (presentation ) Tj ET Q q 0 0 0 rg BT 418.90 629.70 Td (slides ) Tj ET Q q 0 0 0 rg BT 443.75 629.70 Td (will ) Tj ET Q q 0 0 0 rg BT 461.37 629.70 Td (be ) Tj ET Q q 0 0 0 rg BT 472.87 629.70 Td (available ) Tj ET Q q 0 0 0 rg BT 511.02 629.70 Td (on ) Tj ET Q q 0 0 0 rg BT 523.09 629.70 Td (the ) Tj ET Q q 0 0 0 rg BT 537.37 629.70 Td (Firm's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 617.70 Td (website, ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 85.05 617.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 106.06 617.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 132.27 617.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 188.63 617.70 Td (, ) Tj ET Q q 0 0 0 rg BT 193.63 617.70 Td (under ) Tj ET Q q 0 0 0 rg BT 218.90 617.70 Td (Investor ) Tj ET Q q 0 0 0 rg BT 254.17 617.70 Td (Relations, ) Tj ET Q q 0 0 0 rg BT 296.94 617.70 Td (Events ) Tj ET Q q 0 0 0 rg BT 326.66 617.70 Td (& ) Tj ET Q q 0 0 0 rg BT 336.94 617.70 Td (Presentations.) 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