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0 rg BT 177.98 336.65 Td (Card ) Tj ET Q q 0 0 0 rg BT 205.18 336.65 Td (Services) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 99.50 321.08 cm /I9 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 117.50 323.45 Td (A) Tj ET Q q 0 0 0 rg BT 124.84 323.45 Td ( ) Tj ET Q q 0 0 0 rg BT 126.87 323.45 Td (decr) Tj ET Q q 0 0 0 rg BT 147.43 323.45 Td (ease ) Tj ET Q q 0 0 0 rg BT 169.01 323.45 Td (of ) Tj ET Q q 0 0 0 rg BT 180.21 323.45 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 201.49 323.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 233.48 323.45 Td (after) Tj ET Q q 0 0 0 rg BT 255.66 323.45 Td (-tax ) Tj ET Q q 0 0 0 rg BT 276.02 323.45 Td (\($0.32 ) Tj ET Q q 0 0 0 rg BT 306.47 323.45 Td (per) Tj ET Q q 0 0 0 rg BT 322.15 323.45 Td ( ) Tj ET Q q 0 0 0 rg BT 324.18 323.45 Td (shar) Tj ET Q q 0 0 0 rg BT 344.76 323.45 Td (e\) ) Tj ET Q q 0 0 0 rg BT 355.34 323.45 Td (fr) Tj ET Q q 0 0 0 rg BT 363.69 323.45 Td (om ) Tj ET Q q 0 0 0 rg BT 380.38 323.45 Td (funding ) Tj ET Q q 0 0 0 rg BT 419.10 323.45 Td 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Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 94.50 297.05 Td (Fortr) Tj ET Q q 0 0 0 rg BT 119.95 297.05 Td (ess ) Tj ET Q q 0 0 0 rg BT 136.14 297.05 Td (balance ) Tj ET Q q 0 0 0 rg BT 174.95 297.05 Td (sheet ) Tj ET Q q 0 0 0 rg BT 201.52 297.05 Td (maintained) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 99.50 281.48 cm /I10 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 117.50 283.85 Td (Basel ) Tj ET Q q 0 0 0 rg BT 145.31 283.85 Td (I ) Tj ET Q q 0 0 0 rg BT 152.14 283.85 Td (T) Tj ET Q q 0 0 0 rg BT 159.28 283.85 Td (ier) Tj ET Q q 0 0 0 rg BT 171.90 283.85 Td ( ) Tj ET Q q 0 0 0 rg BT 174.65 283.85 Td (1 ) Tj ET Q q 0 0 0 rg BT 182.90 283.85 Td (common) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 223.22 288.83 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 226.80 283.85 Td ( ) Tj ET Q q 0 0 0 rg BT 229.55 283.85 Td (of ) Tj ET Q q 0 0 0 rg BT 241.46 283.85 Td ($149 ) Tj ET Q q 0 0 0 rg BT 266.21 283.85 Td (billion, ) Tj ET Q q 0 0 0 rg BT 301.67 283.85 Td (and ) Tj ET Q q 0 0 0 rg BT 322.16 283.85 Td (ratio ) Tj ET Q q 0 0 0 rg BT 347.51 283.85 Td (of ) Tj ET Q q 0 0 0 rg BT 359.42 283.85 Td (10.7%) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 99.50 268.28 cm /I11 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 117.50 270.65 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 167.91 270.65 Td (Basel ) Tj ET Q q 0 0 0 rg BT 195.72 270.65 Td (III ) Tj ET Q q 0 0 0 rg BT 211.11 270.65 Td (T) Tj ET Q q 0 0 0 rg BT 218.25 270.65 Td (ier) Tj ET Q q 0 0 0 rg BT 230.87 270.65 Td ( ) Tj ET Q q 0 0 0 rg BT 233.62 270.65 Td (1 ) Tj ET Q q 0 0 0 rg BT 241.87 270.65 Td (common) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 282.20 275.63 Td (1,4) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 291.14 270.65 Td ( ) Tj ET Q q 0 0 0 rg BT 293.89 270.65 Td (ratio ) Tj ET Q q 0 0 0 rg BT 319.24 270.65 Td (of ) Tj ET Q q 0 0 0 rg BT 331.15 270.65 Td (9.5%) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 99.50 255.08 cm /I12 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 117.50 257.45 Td (Str) Tj ET Q q 0 0 0 rg BT 131.96 257.45 Td (ong ) Tj ET Q q 0 0 0 rg BT 151.83 257.45 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 194.32 257.45 Td (?) Tj ET Q q 0 0 0 rg BT 202.57 257.45 Td (High ) Tj ET Q q 0 0 0 rg BT 228.55 257.45 Td (Quality ) Tj ET Q q 0 0 0 rg BT 266.75 257.45 Td (Liquid ) Tj ET Q q 0 0 0 rg BT 300.70 257.45 Td (Assets) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 330.03 262.43 Td (1,5) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 338.97 257.45 Td ( ) Tj ET Q q 0 0 0 rg BT 341.72 257.45 Td (\("HQLA"\) ) Tj ET Q q 0 0 0 rg BT 396.40 257.45 Td (of ) Tj ET Q q 0 0 0 rg BT 408.31 257.45 Td ($522 ) Tj ET Q q 0 0 0 rg BT 433.06 257.45 Td (billion) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 76.50 244.25 Td (?) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 94.50 244.25 Td (JPMorgan ) Tj ET Q q 0 0 0 rg BT 147.35 244.25 Td (Chase ) Tj ET Q q 0 0 0 rg BT 178.83 244.25 Td (supported ) Tj ET Q q 0 0 0 rg BT 229.26 244.25 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 284.86 244.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 335.91 244.25 Td (and ) Tj ET Q q 0 0 0 rg BT 356.39 244.25 Td (our) Tj ET Q q 0 0 0 rg BT 372.70 244.25 Td ( ) Tj ET Q q 0 0 0 rg BT 375.45 244.25 Td (communities ) Tj ET Q q 0 0 0 rg BT 438.08 244.25 Td (in ) Tj ET Q q 0 0 0 rg BT 450.00 244.25 Td (2013) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 4.00 0 0 11.00 99.50 228.68 cm /I13 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 103.50 231.05 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 117.50 231.05 Td (Pr) Tj ET Q q 0 0 0 rg BT 128.90 231.05 Td (ovided ) Tj ET Q q 0 0 0 rg BT 162.83 231.05 Td ($274 ) Tj ET Q q 0 0 0 rg BT 187.58 231.05 Td (billion ) Tj ET Q q 0 0 0 rg BT 220.29 231.05 Td (of ) Tj ET Q q 0 0 0 rg BT 232.20 231.05 Td (cr) Tj ET Q q 0 0 0 rg BT 241.77 231.05 Td (edit ) Tj ET Q q 0 0 0 rg BT 262.23 231.05 Td (to ) Tj ET Q q 0 0 0 rg BT 274.15 231.05 Td (consumers; ) Tj ET Q q 0 0 0 rg BT 330.67 231.05 Td (originated ) Tj ET Q q 0 0 0 rg BT 381.69 231.05 Td (mor) Tj ET Q q 0 0 0 rg BT 401.04 231.05 Td (e ) Tj ET Q q 0 0 0 rg BT 408.67 231.05 Td (than ) Tj ET Q q 0 0 0 rg BT 432.82 231.05 Td (800,000 ) Tj ET Q q 0 0 0 rg BT 471.32 231.05 Td (mortgages) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 4.00 0 0 11.00 99.50 215.48 cm /I14 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 103.50 217.85 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 117.50 217.85 Td (Pr) Tj ET Q q 0 0 0 rg BT 128.90 217.85 Td (ovided ) Tj ET Q q 0 0 0 rg BT 162.83 217.85 Td ($19 ) Tj ET Q q 0 0 0 rg BT 182.08 217.85 Td (billion ) Tj ET Q q 0 0 0 rg BT 214.79 217.85 Td (of ) Tj ET Q q 0 0 0 rg BT 226.70 217.85 Td (cr) Tj ET Q q 0 0 0 rg BT 236.27 217.85 Td (edit ) Tj ET Q q 0 0 0 rg BT 256.73 217.85 Td (to ) Tj ET Q q 0 0 0 rg BT 268.65 217.85 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 290.96 217.85 Td (small ) Tj ET Q q 0 0 0 rg BT 318.77 217.85 Td (businesses) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 99.50 202.28 cm /I15 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 117.50 204.65 Td (Pr) Tj ET Q q 0 0 0 rg BT 128.90 204.65 Td (ovided ) Tj ET Q q 0 0 0 rg BT 162.83 204.65 Td (over) Tj ET Q q 0 0 0 rg BT 183.39 204.65 Td ( ) Tj ET Q q 0 0 0 rg BT 186.14 204.65 Td ($589 ) Tj ET Q q 0 0 0 rg BT 210.89 204.65 Td (billion ) Tj ET Q q 0 0 0 rg BT 243.60 204.65 Td (of ) Tj ET Q q 0 0 0 rg BT 255.52 204.65 Td (cr) Tj ET Q q 0 0 0 rg BT 265.08 204.65 Td (edit ) Tj ET Q q 0 0 0 rg BT 285.55 204.65 Td (to ) Tj ET Q q 0 0 0 rg BT 297.46 204.65 Td (corporations) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 4.00 0 0 11.00 99.50 189.08 cm /I16 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 103.50 191.45 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 117.50 191.45 Td (Raised ) Tj ET Q q 0 0 0 rg BT 152.03 191.45 Td (nearly ) Tj ET Q q 0 0 0 rg BT 184.72 191.45 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 206.72 191.45 Td (trillion ) Tj ET Q q 0 0 0 rg BT 241.86 191.45 Td (of ) Tj ET Q q 0 0 0 rg BT 253.77 191.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 288.30 191.45 Td (for) Tj ET Q q 0 0 0 rg BT 302.14 191.45 Td ( ) Tj ET Q q 0 0 0 rg BT 304.89 191.45 Td (clients) Tj ET Q BT /F3 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 99.50 175.83 cm /I17 Do Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 117.50 178.20 Td ($79 ) Tj ET Q q 0 0 0 rg BT 136.75 178.20 Td (billion ) Tj ET Q q 0 0 0 rg BT 169.46 178.20 Td (of ) Tj ET Q q 0 0 0 rg BT 181.37 178.20 Td (capital ) Tj ET Q q 0 0 0 rg BT 215.90 178.20 Td (raised ) Tj ET Q q 0 0 0 rg BT 247.37 178.20 Td (and ) Tj ET Q q 0 0 0 rg BT 267.85 178.20 Td (cr) Tj ET Q q 0 0 0 rg BT 277.42 178.20 Td (edit ) Tj ET Q q 0 0 0 rg BT 297.89 178.20 Td (pr) Tj ET Q q 0 0 0 rg BT 308.69 178.20 Td (ovided ) Tj ET Q q 0 0 0 rg BT 342.61 178.20 Td (for) Tj ET Q q 0 0 0 rg BT 356.46 178.20 Td ( ) Tj ET Q q 0 0 0 rg BT 359.21 178.20 Td (nonpr) Tj ET Q q 0 0 0 rg BT 387.75 178.20 Td (ofit ) Tj ET Q q 0 0 0 rg BT 406.38 178.20 Td (and ) Tj ET Q q 0 0 0 rg BT 426.86 178.20 Td (government ) Tj ET Q q 0 0 0 rg BT 485.82 178.20 Td (entities) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 76.50 165.00 Td (?) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 94.50 165.00 Td (The ) Tj ET Q q 0 0 0 rg BT 115.05 165.00 Td (Firm ) Tj ET Q q 0 0 0 rg BT 141.08 165.00 Td (has ) Tj ET Q q 0 0 0 rg BT 159.19 165.00 Td (hir) Tj ET Q q 0 0 0 rg BT 173.05 165.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 186.26 165.00 Td (over) Tj ET Q q 0 0 0 rg BT 206.83 165.00 Td ( ) Tj ET Q q 0 0 0 rg BT 209.04 165.00 Td (6,300 ) Tj ET Q q 0 0 0 rg BT 236.00 165.00 Td (military ) Tj ET Q q 0 0 0 rg BT 276.09 165.00 Td (veterans ) Tj ET Q q 0 0 0 rg BT 318.01 165.00 Td (since ) Tj ET Q q 0 0 0 rg BT 343.44 165.00 Td (201) Tj ET Q q 0 0 0 rg BT 359.33 165.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 367.04 165.00 Td (as ) Tj ET Q q 0 0 0 rg BT 379.03 165.00 Td (a ) Tj ET Q q 0 0 0 rg BT 386.75 165.00 Td (pr) Tj ET Q q 0 0 0 rg BT 397.55 165.00 Td (oud ) Tj ET Q q 0 0 0 rg BT 417.49 165.00 Td (founding ) Tj ET Q q 0 0 0 rg BT 461.89 165.00 Td (member) Tj ET Q q 0 0 0 rg BT 500.79 165.00 Td ( ) Tj ET Q q 0 0 0 rg BT 503.00 165.00 Td (of ) Tj ET Q q 0 0 0 rg BT 514.37 165.00 Td (the ) Tj ET Q q 0 0 0 rg BT 531.25 165.00 Td (100,000 ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 94.50 151.80 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 118.65 151.80 Td (Mission) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 139.29999999999995 m 297 139.29999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297 139.29999999999995 m 553 139.29999999999995 l s BT /F4 9.00 Tf ET q 0 0 0 rg BT 43.50 129.75 Td (Investor Contact:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 106.74 129.75 Td ( Sarah ) Tj ET Q q 0 0 0 rg BT 131.40 129.75 Td (Y) Tj ET Q q 0 0 0 rg BT 136.99 129.75 Td (oungwood \(212\)?70-7325) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 377.25 129.75 Td (Media Contact:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.99 129.75 Td ( Joe Evangelisti \(212\)?70-7438) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 43.50 116.88 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 46.10 113.25 Td ( For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 126.25 113.25 Td ( financial measures, including managed basis reporting, see pages 12 and 13.) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 372.40 116.88 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.70 113.25 Td (For additional notes on financial measures, see page ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 48.00 105.25 Td (14.) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 43.50 97.88 Td (2 ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 47.40 94.25 Td (Percentage comparisons noted in the bullet points are calculated versus the prior) Tj ET Q q 0 0 0 rg BT 304.27 94.25 Td (-year fourth quarter) Tj ET Q q 0 0 0 rg BT 366.46 94.25 Td (.) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 43.50 85.53 Td (3 ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 47.40 81.90 Td (Represents ) Tj ET Q q 0 0 0 rg BT 84.50 81.90 Td (the ) Tj ET Q q 0 0 0 rg BT 96.27 81.90 Td (total ) Tj ET Q q 0 0 0 rg BT 112.49 81.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 139.81 81.90 Td (from ) Tj ET Q q 0 0 0 rg BT 157.36 81.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 194.47 81.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 222.24 81.90 Td (products ) Tj ET Q q 0 0 0 rg BT 251.79 81.90 Td (sold ) Tj ET Q q 0 0 0 rg BT 267.13 81.90 Td (to ) Tj ET Q q 0 0 0 rg BT 275.35 81.90 Td (CB ) Tj ET Q q 0 0 0 rg BT 288.02 81.90 Td (clients.) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 43.50 72.53 Td (4 ) Tj ET Q BT /F2 5.20 Tf ET q 0 0 0 rg BT 47.40 72.53 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 48.70 68.90 Td (Includes ) Tj ET Q q 0 0 0 rg BT 77.80 68.90 Td (the ) Tj ET Q q 0 0 0 rg BT 89.57 68.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 113.34 68.90 Td (of ) Tj ET Q q 0 0 0 rg BT 122.01 68.90 Td (Basel ) Tj ET Q q 0 0 0 rg BT 141.78 68.90 Td (III ) Tj ET Q q 0 0 0 rg BT 151.77 68.90 Td (interim ) Tj ET Q q 0 0 0 rg BT 176.88 68.90 Td (final ) Tj ET Q q 0 0 0 rg BT 193.54 68.90 Td (rules. ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 43.50 59.88 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 46.10 56.25 Td ( ) Tj ET Q q 0 0 0 rg BT 48.45 56.25 Td (HQLA) Tj ET Q q 0 0 0 rg BT 70.22 56.25 Td ( ) Tj ET Q q 0 0 0 rg BT 72.57 56.25 Td (is ) Tj ET Q q 0 0 0 rg BT 80.26 56.25 Td (the ) Tj ET Q q 0 0 0 rg BT 92.38 56.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 125.38 56.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 151.72 56.25 Td (of ) Tj ET Q q 0 0 0 rg BT 160.74 56.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 181.75 56.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.87 56.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 211.78 56.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 240.33 56.25 Td (will ) Tj ET Q q 0 0 0 rg BT 255.13 56.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 280.13 56.25 Td (for ) Tj ET Q q 0 0 0 rg BT 291.81 56.25 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 323.49 56.25 Td (in ) Tj ET Q q 0 0 0 rg BT 332.06 56.25 Td (the ) Tj ET Q q 0 0 0 rg BT 344.18 56.25 Td (LCR ) Tj ET Q q 0 0 0 rg BT 362.09 56.25 Td (based ) Tj ET Q q 0 0 0 rg BT 382.65 56.25 Td (on ) Tj ET Q q 0 0 0 rg BT 393.00 56.25 Td (the ) Tj ET Q q 0 0 0 rg BT 405.12 56.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 427.58 56.25 Td (current ) Tj ET Q q 0 0 0 rg BT 452.58 56.25 Td (understanding ) Tj ET Q q 0 0 0 rg BT 500.25 56.25 Td (of ) Tj ET Q q 0 0 0 rg BT 509.26 56.25 Td (the ) Tj ET Q q 0 0 0 rg BT 521.38 56.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 541.51 56.25 Td (III ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 43.50 48.25 Td (rules.) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 40.50 727.20 Td (New ) Tj ET Q q 0 0 0 rg BT 63.85 727.20 Td (Y) Tj ET Q q 0 0 0 rg BT 70.58 727.20 Td (ork, ) Tj ET Q q 0 0 0 rg BT 92.86 727.20 Td (January ) Tj ET Q q 0 0 0 rg BT 135.02 727.20 Td (14, ) Tj ET Q q 0 0 0 rg BT 151.80 727.20 Td (2014 ) Tj ET Q q 0 0 0 rg BT 176.83 727.20 Td (- ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 183.53 727.20 Td (JPMor) Tj ET Q q 0 0 0 rg BT 215.33 727.20 Td (ganChase ) Tj ET Q q 0 0 0 rg BT 268.29 727.20 Td (& ) Tj ET Q q 0 0 0 rg BT 280.93 727.20 Td (Co. ) Tj ET Q q 0 0 0 rg BT 301.25 727.20 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 343.22 727.20 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 372.54 727.20 Td (today ) Tj ET Q q 0 0 0 rg BT 402.52 727.20 Td (reported ) Tj ET Q q 0 0 0 rg BT 445.80 727.20 Td (net ) Tj ET Q q 0 0 0 rg BT 463.77 727.20 Td (income ) Tj ET Q q 0 0 0 rg BT 502.41 727.20 Td (for ) Tj ET Q q 0 0 0 rg BT 519.71 727.20 Td (the ) Tj ET Q q 0 0 0 rg BT 537.68 727.20 Td (fourth ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 712.80 Td (quarter ) Tj ET Q q 0 0 0 rg BT 76.86 712.80 Td (of ) Tj ET Q q 0 0 0 rg BT 89.24 712.80 Td (2013 ) Tj ET Q q 0 0 0 rg BT 115.62 712.80 Td (of ) Tj ET Q q 0 0 0 rg BT 128.00 712.80 Td ($5.3 ) Tj ET Q q 0 0 0 rg BT 151.39 712.80 Td (billion, ) Tj ET Q q 0 0 0 rg BT 188.11 712.80 Td (compared ) Tj ET Q q 0 0 0 rg BT 237.80 712.80 Td (with ) Tj ET Q q 0 0 0 rg BT 261.52 712.80 Td (net ) Tj ET Q q 0 0 0 rg BT 278.56 712.80 Td (income ) Tj ET Q q 0 0 0 rg BT 316.26 712.80 Td (of ) Tj ET Q q 0 0 0 rg BT 328.64 712.80 Td ($5.7 ) Tj ET Q q 0 0 0 rg BT 352.03 712.80 Td (billion ) Tj ET Q q 0 0 0 rg BT 385.74 712.80 Td (in ) Tj ET Q q 0 0 0 rg BT 397.46 712.80 Td (the ) Tj ET Q q 0 0 0 rg BT 414.51 712.80 Td (fourth ) Tj ET Q q 0 0 0 rg BT 446.21 712.80 Td (quarter ) Tj ET Q q 0 0 0 rg BT 482.58 712.80 Td (of ) Tj ET Q q 0 0 0 rg BT 494.96 712.80 Td (2012. ) Tj ET Q q 0 0 0 rg BT 524.34 712.80 Td (Earnings ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 698.40 Td (per ) Tj ET Q q 0 0 0 rg BT 59.29 698.40 Td (share ) Tj ET Q q 0 0 0 rg BT 88.07 698.40 Td (were ) Tj ET Q q 0 0 0 rg BT 114.84 698.40 Td ($1.30, ) Tj ET Q q 0 0 0 rg BT 148.31 698.40 Td (compared ) Tj ET Q q 0 0 0 rg BT 199.08 698.40 Td (with ) Tj ET Q q 0 0 0 rg BT 223.88 698.40 Td ($1.39 ) Tj ET Q q 0 0 0 rg BT 254.34 698.40 Td (in ) Tj ET Q q 0 0 0 rg BT 267.13 698.40 Td (the ) Tj ET Q q 0 0 0 rg BT 285.26 698.40 Td (fourth ) Tj ET Q q 0 0 0 rg BT 318.05 698.40 Td (quarter ) Tj ET Q q 0 0 0 rg BT 355.49 698.40 Td (of ) Tj ET Q q 0 0 0 rg BT 368.95 698.40 Td (2012. ) Tj ET Q q 0 0 0 rg BT 399.41 698.40 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 444.86 698.40 Td (for ) Tj ET Q q 0 0 0 rg BT 462.31 698.40 Td (the ) Tj ET Q q 0 0 0 rg BT 480.43 698.40 Td (quarter ) Tj ET Q q 0 0 0 rg BT 517.88 698.40 Td (was ) Tj ET Q q 0 0 0 rg BT 540.00 698.40 Td ($24.1 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 684.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 78.21 684.00 Td (down ) Tj ET Q q 0 0 0 rg BT 108.24 684.00 Td (1% ) Tj ET Q q 0 0 0 rg BT 127.61 684.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 178.29 684.00 Td (with ) Tj ET Q q 0 0 0 rg BT 202.99 684.00 Td (the ) Tj ET Q q 0 0 0 rg BT 221.02 684.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 247.72 684.00 Td (year) Tj ET Q q 0 0 0 rg BT 267.71 684.00 Td (. ) Tj ET Q q 0 0 0 rg BT 273.83 684.00 Td (The ) Tj ET Q q 0 0 0 rg BT 295.86 684.00 Td (Firm? Tj ET Q q 0 0 0 rg BT 322.53 684.00 Td (s ) Tj ET Q q 0 0 0 rg BT 330.57 684.00 Td (return ) Tj ET Q q 0 0 0 rg BT 362.60 684.00 Td (on ) Tj ET Q q 0 0 0 rg BT 377.97 684.00 Td (tangible ) Tj ET Q q 0 0 0 rg BT 419.99 684.00 Td (common ) Tj ET Q q 0 0 0 rg BT 465.36 684.00 Td (equity) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 495.35 688.98 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 498.93 684.00 Td ( ) Tj ET Q q 0 0 0 rg BT 502.30 684.00 Td (for ) Tj ET Q q 0 0 0 rg BT 519.66 684.00 Td (the ) Tj ET Q q 0 0 0 rg BT 537.69 684.00 Td (fourth ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 669.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 77.48 669.60 Td (of ) Tj ET Q q 0 0 0 rg BT 90.47 669.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 117.47 669.60 Td (was ) Tj ET Q q 0 0 0 rg BT 139.14 669.60 Td (14%, ) Tj ET Q q 0 0 0 rg BT 167.13 669.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 217.44 669.60 Td (with ) Tj ET Q q 0 0 0 rg BT 241.78 669.60 Td (15% ) Tj ET Q q 0 0 0 rg BT 266.77 669.60 Td (in ) Tj ET Q q 0 0 0 rg BT 279.11 669.60 Td (the ) Tj ET Q q 0 0 0 rg BT 296.77 669.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 323.09 669.60 Td (year) Tj ET Q q 0 0 0 rg BT 343.08 669.60 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 649.20 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 86.69 649.20 Td (for ) Tj ET Q q 0 0 0 rg BT 103.55 649.20 Td (the ) Tj ET Q q 0 0 0 rg BT 121.07 649.20 Td (significant ) Tj ET Q q 0 0 0 rg BT 174.59 649.20 Td (items ) Tj ET Q q 0 0 0 rg BT 203.45 649.20 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 250.97 649.20 Td (in ) Tj ET Q q 0 0 0 rg BT 263.17 649.20 Td (our ) Tj ET Q q 0 0 0 rg BT 282.02 649.20 Td (earnings ) Tj ET Q q 0 0 0 rg BT 325.54 649.20 Td (press ) Tj ET Q q 0 0 0 rg BT 353.06 649.20 Td (releases ) Tj ET Q q 0 0 0 rg BT 393.90 649.20 Td (this ) Tj ET Q q 0 0 0 rg BT 414.10 649.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 450.94 649.20 Td (and ) Tj ET Q q 0 0 0 rg BT 471.13 649.20 Td (in ) Tj ET Q q 0 0 0 rg BT 483.33 649.20 Td (the ) Tj ET Q q 0 0 0 rg BT 500.85 649.20 Td (fourth ) Tj ET Q q 0 0 0 rg BT 533.04 649.20 Td (quarter ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 634.80 Td (of ) Tj ET Q q 0 0 0 rg BT 53.42 634.80 Td (2012, ) Tj ET Q q 0 0 0 rg BT 83.35 634.80 Td (EPS ) Tj ET Q q 0 0 0 rg BT 106.95 634.80 Td (would ) Tj ET Q q 0 0 0 rg BT 139.88 634.80 Td (have ) Tj ET Q q 0 0 0 rg BT 165.46 634.80 Td (been ) Tj ET Q q 0 0 0 rg BT 191.04 634.80 Td ($1.40 ) Tj ET Q q 0 0 0 rg BT 220.97 634.80 Td (this ) Tj ET Q q 0 0 0 rg BT 241.23 634.80 Td (year ) Tj ET Q q 0 0 0 rg BT 264.81 634.80 Td (compared ) Tj ET Q q 0 0 0 rg BT 315.04 634.80 Td (with ) Tj ET Q q 0 0 0 rg BT 339.30 634.80 Td ($1.35 ) Tj ET Q q 0 0 0 rg BT 369.23 634.80 Td (in ) Tj ET Q q 0 0 0 rg BT 381.49 634.80 Td (the ) Tj ET Q q 0 0 0 rg BT 399.08 634.80 Td (prior ) Tj ET Q q 0 0 0 rg BT 425.33 634.80 Td (year ) Tj ET Q q 0 0 0 rg BT 448.90 634.80 Td (and ) Tj ET Q q 0 0 0 rg BT 469.16 634.80 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 511.42 634.80 Td (would ) Tj ET Q q 0 0 0 rg BT 544.34 634.80 Td (have ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 620.40 Td (been ) Tj ET Q q 0 0 0 rg BT 66.15 620.40 Td (15% ) Tj ET Q q 0 0 0 rg BT 91.15 620.40 Td (this ) Tj ET Q q 0 0 0 rg BT 111.49 620.40 Td (year) Tj ET Q q 0 0 0 rg BT 131.65 620.40 Td (, ) Tj ET Q q 0 0 0 rg BT 137.65 620.40 Td (flat ) Tj ET Q q 0 0 0 rg BT 156.64 620.40 Td (compared ) Tj ET Q q 0 0 0 rg BT 206.95 620.40 Td (with ) Tj ET Q q 0 0 0 rg BT 231.29 620.40 Td (the ) Tj ET Q q 0 0 0 rg BT 248.95 620.40 Td (prior ) Tj ET Q q 0 0 0 rg BT 275.27 620.40 Td (year) Tj ET Q q 0 0 0 rg BT 295.26 620.40 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 600.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 61.04 600.00 Td (income ) Tj ET Q q 0 0 0 rg BT 99.57 600.00 Td (for ) Tj ET Q q 0 0 0 rg BT 116.78 600.00 Td (full-year ) Tj ET Q q 0 0 0 rg BT 161.30 600.00 Td (2013 ) Tj ET Q q 0 0 0 rg BT 188.52 600.00 Td (was ) Tj ET Q q 0 0 0 rg BT 210.39 600.00 Td ($17.9 ) Tj ET Q q 0 0 0 rg BT 240.61 600.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 278.16 600.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 328.68 600.00 Td (with ) Tj ET Q q 0 0 0 rg BT 353.23 600.00 Td ($21.3 ) Tj ET Q q 0 0 0 rg BT 383.44 600.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 417.99 600.00 Td (for ) Tj ET Q q 0 0 0 rg BT 435.20 600.00 Td (the ) Tj ET Q q 0 0 0 rg BT 453.07 600.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 479.61 600.00 Td (year) Tj ET Q q 0 0 0 rg BT 499.60 600.00 Td (. ) Tj ET Q q 0 0 0 rg BT 505.81 600.00 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 551.68 600.00 Td (per ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 585.60 Td (share ) Tj ET Q q 0 0 0 rg BT 68.76 585.60 Td (were ) Tj ET Q q 0 0 0 rg BT 95.01 585.60 Td ($4.35 ) Tj ET Q q 0 0 0 rg BT 124.95 585.60 Td (for ) Tj ET Q q 0 0 0 rg BT 141.88 585.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 171.82 585.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 222.07 585.60 Td (with ) Tj ET Q q 0 0 0 rg BT 246.35 585.60 Td ($5.20 ) Tj ET Q q 0 0 0 rg BT 276.29 585.60 Td (for ) Tj ET Q q 0 0 0 rg BT 293.22 585.60 Td (2012. ) Tj ET Q q 0 0 0 rg BT 323.16 585.60 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 368.08 585.60 Td (for ) Tj ET Q q 0 0 0 rg BT 385.01 585.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 411.95 585.60 Td (was ) Tj ET Q q 0 0 0 rg BT 433.56 585.60 Td ($99.8 ) Tj ET Q q 0 0 0 rg BT 463.50 585.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 500.77 585.60 Td (flat ) Tj ET Q q 0 0 0 rg BT 519.70 585.60 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 571.20 Td (with ) Tj ET Q q 0 0 0 rg BT 64.83 571.20 Td (2012 ) Tj ET Q q 0 0 0 rg BT 91.83 571.20 Td (revenue ) Tj ET Q q 0 0 0 rg BT 132.81 571.20 Td (of ) Tj ET Q q 0 0 0 rg BT 145.80 571.20 Td ($99.9 ) Tj ET Q q 0 0 0 rg BT 175.80 571.20 Td (billion. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 550.80 Td (Jamie ) Tj ET Q q 0 0 0 rg BT 71.54 550.80 Td (Dimon, ) Tj ET Q q 0 0 0 rg BT 110.92 550.80 Td (Chairman ) Tj ET Q q 0 0 0 rg BT 161.28 550.80 Td (and ) Tj ET Q q 0 0 0 rg BT 181.65 550.80 Td (Chief ) Tj ET Q q 0 0 0 rg BT 211.36 550.80 Td (Executive ) Tj ET Q q 0 0 0 rg BT 262.38 550.80 Td (Of) Tj ET Q q 0 0 0 rg BT 274.83 550.80 Td (ficer) Tj ET Q q 0 0 0 rg BT 296.32 550.80 Td (, ) Tj ET Q q 0 0 0 rg BT 302.37 550.80 Td (commented ) Tj ET Q q 0 0 0 rg BT 361.39 550.80 Td (on ) Tj ET Q q 0 0 0 rg BT 376.44 550.80 Td (the ) Tj ET Q q 0 0 0 rg BT 394.15 550.80 Td (financial ) Tj ET Q q 0 0 0 rg BT 439.17 550.80 Td (results: ) Tj ET Q q 0 0 0 rg BT 476.88 550.80 Td (W) Tj ET Q q 0 0 0 rg BT 492.57 550.80 Td (e ) Tj ET Q q 0 0 0 rg BT 500.94 550.80 Td (are ) Tj ET Q q 0 0 0 rg BT 518.63 550.80 Td (pleased ) Tj ET Q q 0 0 0 rg BT 557.66 550.80 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 536.40 Td (have ) Tj ET Q q 0 0 0 rg BT 66.55 536.40 Td (made ) Tj ET Q q 0 0 0 rg BT 95.93 536.40 Td (progress ) Tj ET Q q 0 0 0 rg BT 139.98 536.40 Td (on ) Tj ET Q q 0 0 0 rg BT 155.37 536.40 Td (our ) Tj ET Q q 0 0 0 rg BT 174.76 536.40 Td (control, ) Tj ET Q q 0 0 0 rg BT 215.15 536.40 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 267.85 536.40 Td (and ) Tj ET Q q 0 0 0 rg BT 288.57 536.40 Td (litigation ) Tj ET Q q 0 0 0 rg BT 335.30 536.40 Td (agendas ) Tj ET Q q 0 0 0 rg BT 377.34 536.40 Td (and ) Tj ET Q q 0 0 0 rg BT 398.06 536.40 Td (to ) Tj ET Q q 0 0 0 rg BT 410.79 536.40 Td (have ) Tj ET Q q 0 0 0 rg BT 436.84 536.40 Td (put ) Tj ET Q q 0 0 0 rg BT 455.56 536.40 Td (some ) Tj ET Q q 0 0 0 rg BT 484.29 536.40 Td (significant ) Tj ET Q q 0 0 0 rg BT 538.34 536.40 Td (issues ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 522.00 Td (behind ) Tj ET Q q 0 0 0 rg BT 75.82 522.00 Td (us ) Tj ET Q q 0 0 0 rg BT 89.16 522.00 Td (this ) Tj ET Q q 0 0 0 rg BT 109.16 522.00 Td (quarter) Tj ET Q q 0 0 0 rg BT 142.48 522.00 Td (. ) Tj ET Q q 0 0 0 rg BT 147.95 522.00 Td (W) Tj ET Q q 0 0 0 rg BT 158.32 522.00 Td (e ) Tj ET Q q 0 0 0 rg BT 166.31 522.00 Td (reached ) Tj ET Q q 0 0 0 rg BT 206.27 522.00 Td (several ) Tj ET Q q 0 0 0 rg BT 242.91 522.00 Td (important ) Tj ET Q q 0 0 0 rg BT 292.24 522.00 Td (resolutions ) Tj ET Q q 0 0 0 rg BT 347.57 522.00 Td (?) Tj ET Q q 0 0 0 rg BT 356.23 522.00 Td (Global ) Tj ET Q q 0 0 0 rg BT 391.56 522.00 Td (RMBS, ) Tj ET Q q 0 0 0 rg BT 430.57 522.00 Td (Gibbs ) Tj ET Q q 0 0 0 rg BT 461.91 522.00 Td (& ) Tj ET Q q 0 0 0 rg BT 473.90 522.00 Td (Bruns, ) Tj ET Q q 0 0 0 rg BT 508.24 522.00 Td (and ) Tj ET Q q 0 0 0 rg BT 528.23 522.00 Td (Madof) Tj ET Q q 0 0 0 rg BT 560.00 522.00 Td (f. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 507.60 Td (It ) Tj ET Q q 0 0 0 rg BT 50.56 507.60 Td (was ) Tj ET Q q 0 0 0 rg BT 71.95 507.60 Td (in ) Tj ET Q q 0 0 0 rg BT 84.01 507.60 Td (the ) Tj ET Q q 0 0 0 rg BT 101.40 507.60 Td (best ) Tj ET Q q 0 0 0 rg BT 123.45 507.60 Td (interests ) Tj ET Q q 0 0 0 rg BT 166.17 507.60 Td (of ) Tj ET Q q 0 0 0 rg BT 178.90 507.60 Td (our ) Tj ET Q q 0 0 0 rg BT 197.62 507.60 Td (company ) Tj ET Q q 0 0 0 rg BT 244.33 507.60 Td (and ) Tj ET Q q 0 0 0 rg BT 264.39 507.60 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 327.76 507.60 Td (for ) Tj ET Q q 0 0 0 rg BT 344.48 507.60 Td (us ) Tj ET Q q 0 0 0 rg BT 357.88 507.60 Td (to ) Tj ET Q q 0 0 0 rg BT 369.94 507.60 Td (accept ) Tj ET Q q 0 0 0 rg BT 403.30 507.60 Td (responsibility) Tj ET Q q 0 0 0 rg BT 467.86 507.60 Td (, ) Tj ET Q q 0 0 0 rg BT 473.58 507.60 Td (resolve ) Tj ET Q q 0 0 0 rg BT 510.96 507.60 Td (these ) Tj ET Q q 0 0 0 rg BT 538.35 507.60 Td (issues ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 493.20 Td (and ) Tj ET Q q 0 0 0 rg BT 61.26 493.20 Td (move ) Tj ET Q q 0 0 0 rg BT 91.35 493.20 Td (forward. ) Tj ET Q q 0 0 0 rg BT 135.52 493.20 Td (This ) Tj ET Q q 0 0 0 rg BT 160.28 493.20 Td (will ) Tj ET Q q 0 0 0 rg BT 182.38 493.20 Td (allow ) Tj ET Q q 0 0 0 rg BT 212.47 493.20 Td (us ) Tj ET Q q 0 0 0 rg BT 226.58 493.20 Td (to ) Tj ET Q q 0 0 0 rg BT 239.34 493.20 Td (focus ) Tj ET Q q 0 0 0 rg BT 268.77 493.20 Td (on ) Tj ET Q q 0 0 0 rg BT 284.20 493.20 Td (what ) Tj ET Q q 0 0 0 rg BT 310.96 493.20 Td (we ) Tj ET Q q 0 0 0 rg BT 328.38 493.20 Td (are ) Tj ET Q q 0 0 0 rg BT 346.46 493.20 Td (here ) Tj ET Q q 0 0 0 rg BT 370.54 493.20 Td (for: ) Tj ET Q q 0 0 0 rg BT 391.30 493.20 Td (serving ) Tj ET Q q 0 0 0 rg BT 430.06 493.20 Td (our ) Tj ET Q q 0 0 0 rg BT 449.49 493.20 Td (clients ) Tj ET Q q 0 0 0 rg BT 484.24 493.20 Td (and ) Tj ET Q q 0 0 0 rg BT 505.00 493.20 Td (communities ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 478.80 Td (around ) Tj ET Q q 0 0 0 rg BT 76.56 478.80 Td (the ) Tj ET Q q 0 0 0 rg BT 93.96 478.80 Td (world. ) Tj ET Q q 0 0 0 rg BT 127.50 478.80 Td (W) Tj ET Q q 0 0 0 rg BT 137.86 478.80 Td (e ) Tj ET Q q 0 0 0 rg BT 145.93 478.80 Td (remained ) Tj ET Q q 0 0 0 rg BT 193.31 478.80 Td (focused ) Tj ET Q q 0 0 0 rg BT 233.37 478.80 Td (on ) Tj ET Q q 0 0 0 rg BT 248.11 478.80 Td (building ) Tj ET Q q 0 0 0 rg BT 290.85 478.80 Td (our ) Tj ET Q q 0 0 0 rg BT 309.58 478.80 Td (four ) Tj ET Q q 0 0 0 rg BT 332.32 478.80 Td (leading ) Tj ET Q q 0 0 0 rg BT 370.38 478.80 Td (franchises, ) Tj ET Q q 0 0 0 rg BT 424.76 478.80 Td (which ) Tj ET Q q 0 0 0 rg BT 456.82 478.80 Td (all ) Tj ET Q q 0 0 0 rg BT 471.56 478.80 Td (continued ) Tj ET Q q 0 0 0 rg BT 521.62 478.80 Td (to ) Tj ET Q q 0 0 0 rg BT 533.69 478.80 Td (deliver ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 464.40 Td (strong ) Tj ET Q q 0 0 0 rg BT 73.50 464.40 Td (underlying ) Tj ET Q q 0 0 0 rg BT 128.49 464.40 Td (performance, ) Tj ET Q q 0 0 0 rg BT 195.12 464.40 Td (for ) Tj ET Q q 0 0 0 rg BT 212.11 464.40 Td (the ) Tj ET Q q 0 0 0 rg BT 229.77 464.40 Td (quarter ) Tj ET Q q 0 0 0 rg BT 266.75 464.40 Td (and ) Tj ET Q q 0 0 0 rg BT 287.07 464.40 Td (the ) Tj ET Q q 0 0 0 rg BT 304.73 464.40 Td (year) Tj ET Q q 0 0 0 rg BT 324.72 464.40 Td (.? Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 444.00 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 77.13 444.00 Td (continued, ) Tj ET Q q 0 0 0 rg BT 130.74 444.00 Td (The ) Tj ET Q q 0 0 0 rg BT 158.01 444.00 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 209.29 444.00 Td (& ) Tj ET Q q 0 0 0 rg BT 221.91 444.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 278.52 444.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 307.14 444.00 Td (was ) Tj ET Q q 0 0 0 rg BT 329.10 444.00 Td (#1 ) Tj ET Q q 0 0 0 rg BT 344.39 444.00 Td (in ) Tj ET Q q 0 0 0 rg BT 357.01 444.00 Td (global ) Tj ET Q q 0 0 0 rg BT 390.30 444.00 Td (IB ) Tj ET Q q 0 0 0 rg BT 405.59 444.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 428.20 444.00 Td (in ) Tj ET Q q 0 0 0 rg BT 440.83 444.00 Td (2013, ) Tj ET Q q 0 0 0 rg BT 471.12 444.00 Td (with ) Tj ET Q q 0 0 0 rg BT 495.74 444.00 Td (#1 ) Tj ET Q q 0 0 0 rg BT 511.04 444.00 Td (positions ) Tj ET Q q 0 0 0 rg BT 557.67 444.00 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 429.60 Td (global ) Tj ET Q q 0 0 0 rg BT 74.77 429.60 Td (debt ) Tj ET Q q 0 0 0 rg BT 99.71 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 121.31 429.60 Td (equity) Tj ET Q q 0 0 0 rg BT 150.52 429.60 Td (, ) Tj ET Q q 0 0 0 rg BT 157.80 429.60 Td (syndicated ) Tj ET Q q 0 0 0 rg BT 213.39 429.60 Td (loans, ) Tj ET Q q 0 0 0 rg BT 246.00 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 267.60 429.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 293.21 429.60 Td (announced ) Tj ET Q q 0 0 0 rg BT 349.47 429.60 Td (M&A, ) Tj ET Q q 0 0 0 rg BT 385.42 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 407.02 429.60 Td (we ) Tj ET Q q 0 0 0 rg BT 425.29 429.60 Td (gained ) Tj ET Q q 0 0 0 rg BT 461.55 429.60 Td (share ) Tj ET Q q 0 0 0 rg BT 491.14 429.60 Td (in ) Tj ET Q q 0 0 0 rg BT 504.75 429.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 549.69 429.60 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 415.20 Td (Markets. ) Tj ET Q q 0 0 0 rg BT 84.59 415.20 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 135.69 415.20 Td (& ) Tj ET Q q 0 0 0 rg BT 146.79 415.20 Td (Community ) Tj ET Q q 0 0 0 rg BT 205.89 415.20 Td (Banking ) Tj ET Q q 0 0 0 rg BT 248.32 415.20 Td (deposits ) Tj ET Q q 0 0 0 rg BT 289.42 415.20 Td (were ) Tj ET Q q 0 0 0 rg BT 314.50 415.20 Td (up ) Tj ET Q q 0 0 0 rg BT 328.27 415.20 Td (8% ) Tj ET Q q 0 0 0 rg BT 346.03 415.20 Td (for ) Tj ET Q q 0 0 0 rg BT 361.79 415.20 Td (the ) Tj ET Q q 0 0 0 rg BT 378.22 415.20 Td (fourth ) Tj ET Q q 0 0 0 rg BT 409.31 415.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 445.06 415.20 Td (of ) Tj ET Q q 0 0 0 rg BT 456.82 415.20 Td (2013; ) Tj ET Q q 0 0 0 rg BT 485.92 415.20 Td (client ) Tj ET Q q 0 0 0 rg BT 514.34 415.20 Td (investment ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 400.80 Td (assets ) Tj ET Q q 0 0 0 rg BT 71.12 400.80 Td (were ) Tj ET Q q 0 0 0 rg BT 97.07 400.80 Td (up ) Tj ET Q q 0 0 0 rg BT 111.69 400.80 Td (19%; ) Tj ET Q q 0 0 0 rg BT 139.65 400.80 Td (and ) Tj ET Q q 0 0 0 rg BT 159.61 400.80 Td (general ) Tj ET Q q 0 0 0 rg BT 197.54 400.80 Td (purpose ) Tj ET Q q 0 0 0 rg BT 238.16 400.80 Td (credit ) Tj ET Q q 0 0 0 rg BT 268.11 400.80 Td (card ) Tj ET Q q 0 0 0 rg BT 291.38 400.80 Td (sales ) Tj ET Q q 0 0 0 rg BT 317.34 400.80 Td (volume ) Tj ET Q q 0 0 0 rg BT 355.96 400.80 Td (growth ) Tj ET Q q 0 0 0 rg BT 392.58 400.80 Td (has ) Tj ET Q q 0 0 0 rg BT 411.21 400.80 Td (outperformed ) Tj ET Q q 0 0 0 rg BT 479.14 400.80 Td (the ) Tj ET Q q 0 0 0 rg BT 496.43 400.80 Td (industry ) Tj ET Q q 0 0 0 rg BT 538.39 400.80 Td (for ) Tj ET Q q 0 0 0 rg BT 555.01 400.80 Td (23 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 386.40 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 100.35 386.40 Td (quarters. ) Tj ET Q q 0 0 0 rg BT 145.20 386.40 Td (Gross ) Tj ET Q q 0 0 0 rg BT 176.41 386.40 Td (investment ) Tj ET Q q 0 0 0 rg BT 232.27 386.40 Td (banking ) Tj ET Q q 0 0 0 rg BT 274.14 386.40 Td (revenue) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 312.11 391.84 Td (3) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 316.01 386.40 Td ( ) Tj ET Q q 0 0 0 rg BT 319.22 386.40 Td (was ) Tj ET Q q 0 0 0 rg BT 341.08 386.40 Td (a ) Tj ET Q q 0 0 0 rg BT 349.61 386.40 Td (record ) Tj ET Q q 0 0 0 rg BT 383.46 386.40 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 407.67 386.40 Td (billion ) Tj ET Q q 0 0 0 rg BT 442.21 386.40 Td (for ) Tj ET Q q 0 0 0 rg BT 459.41 386.40 Td (the ) Tj ET Q q 0 0 0 rg BT 477.27 386.40 Td (year) Tj ET Q q 0 0 0 rg BT 497.44 386.40 Td (, ) Tj ET Q q 0 0 0 rg BT 503.65 386.40 Td (up ) Tj ET Q q 0 0 0 rg BT 518.85 386.40 Td (5%. ) Tj ET Q q 0 0 0 rg BT 540.34 386.40 Td (Asset ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 372.00 Td (Management ) Tj ET Q q 0 0 0 rg BT 105.89 372.00 Td (also ) Tj ET Q q 0 0 0 rg BT 127.97 372.00 Td (had ) Tj ET Q q 0 0 0 rg BT 148.05 372.00 Td (excellent ) Tj ET Q q 0 0 0 rg BT 194.10 372.00 Td (performance ) Tj ET Q q 0 0 0 rg BT 257.48 372.00 Td (with ) Tj ET Q q 0 0 0 rg BT 281.56 372.00 Td (positive ) Tj ET Q q 0 0 0 rg BT 322.31 372.00 Td (net ) Tj ET Q q 0 0 0 rg BT 339.72 372.00 Td (long-term ) Tj ET Q q 0 0 0 rg BT 389.79 372.00 Td (client ) Tj ET Q q 0 0 0 rg BT 419.19 372.00 Td (flows ) Tj ET Q q 0 0 0 rg BT 448.61 372.00 Td (of ) Tj ET Q q 0 0 0 rg BT 461.36 372.00 Td ($90 ) Tj ET Q q 0 0 0 rg BT 482.10 372.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 516.19 372.00 Td (for ) Tj ET Q q 0 0 0 rg BT 532.93 372.00 Td (the ) Tj ET Q q 0 0 0 rg BT 550.34 372.00 Td (full ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 357.60 Td (year ) Tj ET Q q 0 0 0 rg BT 64.15 357.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 91.15 357.60 Td (and ) Tj ET Q q 0 0 0 rg BT 111.47 357.60 Td (record ) Tj ET Q q 0 0 0 rg BT 145.12 357.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 168.78 357.60 Td (balances, ) Tj ET Q q 0 0 0 rg BT 216.09 357.60 Td (up ) Tj ET Q q 0 0 0 rg BT 231.09 357.60 Td (21%.? Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 337.20 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 77.25 337.20 Td (added: ) Tj ET Q q 0 0 0 rg BT 112.64 337.20 Td (During ) Tj ET Q q 0 0 0 rg BT 155.38 337.20 Td (the ) Tj ET Q q 0 0 0 rg BT 173.45 337.20 Td (course ) Tj ET Q q 0 0 0 rg BT 208.18 337.20 Td (of ) Tj ET Q q 0 0 0 rg BT 221.59 337.20 Td (2013, ) Tj ET Q q 0 0 0 rg BT 252.00 337.20 Td (JPMor) Tj ET Q q 0 0 0 rg BT 283.79 337.20 Td (gan ) Tj ET Q q 0 0 0 rg BT 304.53 337.20 Td (Chase ) Tj ET Q q 0 0 0 rg BT 337.27 337.20 Td (continued ) Tj ET Q q 0 0 0 rg BT 388.00 337.20 Td (to ) Tj ET Q q 0 0 0 rg BT 400.74 337.20 Td (make ) Tj ET Q q 0 0 0 rg BT 430.14 337.20 Td (a ) Tj ET Q q 0 0 0 rg BT 438.88 337.20 Td (significant ) Tj ET Q q 0 0 0 rg BT 492.95 337.20 Td (positive ) Tj ET Q q 0 0 0 rg BT 534.36 337.20 Td (impact ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 322.80 Td (on ) Tj ET Q q 0 0 0 rg BT 55.91 322.80 Td (our ) Tj ET Q q 0 0 0 rg BT 75.31 322.80 Td (communities. ) Tj ET Q q 0 0 0 rg BT 143.71 322.80 Td (In ) Tj ET Q q 0 0 0 rg BT 157.11 322.80 Td (2013, ) Tj ET Q q 0 0 0 rg BT 187.51 322.80 Td (the ) Tj ET Q q 0 0 0 rg BT 205.58 322.80 Td (Firm ) Tj ET Q q 0 0 0 rg BT 232.32 322.80 Td (provided ) Tj ET Q q 0 0 0 rg BT 278.38 322.80 Td (credit ) Tj ET Q q 0 0 0 rg BT 309.11 322.80 Td (and ) Tj ET Q q 0 0 0 rg BT 329.84 322.80 Td (raised ) Tj ET Q q 0 0 0 rg BT 361.90 322.80 Td (capital ) Tj ET Q q 0 0 0 rg BT 397.28 322.80 Td (of ) Tj ET Q q 0 0 0 rg BT 410.69 322.80 Td (over ) Tj ET Q q 0 0 0 rg BT 435.41 322.80 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 459.82 322.80 Td (trillion ) Tj ET Q q 0 0 0 rg BT 495.89 322.80 Td (for ) Tj ET Q q 0 0 0 rg BT 513.29 322.80 Td (our ) Tj ET Q q 0 0 0 rg BT 532.69 322.80 Td (clients. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 308.40 Td (The ) Tj ET Q q 0 0 0 rg BT 62.40 308.40 Td (Firm ) Tj ET Q q 0 0 0 rg BT 88.98 308.40 Td (has ) Tj ET Q q 0 0 0 rg BT 108.22 308.40 Td (hired ) Tj ET Q q 0 0 0 rg BT 136.13 308.40 Td (over ) Tj ET Q q 0 0 0 rg BT 160.69 308.40 Td (6,300 ) Tj ET Q q 0 0 0 rg BT 190.94 308.40 Td (military ) Tj ET Q q 0 0 0 rg BT 232.17 308.40 Td (veterans ) Tj ET Q q 0 0 0 rg BT 275.40 308.40 Td (since ) Tj ET Q q 0 0 0 rg BT 303.30 308.40 Td (201) Tj ET Q q 0 0 0 rg BT 320.85 308.40 Td (1 ) Tj ET Q q 0 0 0 rg BT 330.10 308.40 Td (as ) Tj ET Q q 0 0 0 rg BT 343.34 308.40 Td (a ) Tj ET Q q 0 0 0 rg BT 351.91 308.40 Td (proud ) Tj ET Q q 0 0 0 rg BT 383.15 308.40 Td (founding ) Tj ET Q q 0 0 0 rg BT 429.72 308.40 Td (member ) Tj ET Q q 0 0 0 rg BT 472.28 308.40 Td (of ) Tj ET Q q 0 0 0 rg BT 485.53 308.40 Td (the ) Tj ET Q q 0 0 0 rg BT 503.43 308.40 Td (100,000 ) Tj ET Q q 0 0 0 rg BT 545.67 308.40 Td (Jobs ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 294.00 Td (Mission.? Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 273.60 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 76.44 273.60 Td (concluded: ) Tj ET Q q 0 0 0 rg BT 131.68 273.60 Td (I ) Tj ET Q q 0 0 0 rg BT 143.61 273.60 Td (am ) Tj ET Q q 0 0 0 rg BT 160.87 273.60 Td (proud ) Tj ET Q q 0 0 0 rg BT 191.47 273.60 Td (of ) Tj ET Q q 0 0 0 rg BT 204.06 273.60 Td (this ) Tj ET Q q 0 0 0 rg BT 224.00 273.60 Td (Company) Tj ET Q q 0 0 0 rg BT 269.89 273.60 Td (, ) Tj ET Q q 0 0 0 rg BT 275.49 273.60 Td (our ) Tj ET Q q 0 0 0 rg BT 294.09 273.60 Td (employees ) Tj ET Q q 0 0 0 rg BT 348.01 273.60 Td (and ) Tj ET Q q 0 0 0 rg BT 367.93 273.60 Td (what ) Tj ET Q q 0 0 0 rg BT 393.86 273.60 Td (we ) Tj ET Q q 0 0 0 rg BT 410.46 273.60 Td (do ) Tj ET Q q 0 0 0 rg BT 425.06 273.60 Td (every ) Tj ET Q q 0 0 0 rg BT 454.31 273.60 Td (day ) Tj ET Q q 0 0 0 rg BT 474.23 273.60 Td (to ) Tj ET Q q 0 0 0 rg BT 486.17 273.60 Td (serve ) Tj ET Q q 0 0 0 rg BT 514.09 273.60 Td (our ) Tj ET Q q 0 0 0 rg BT 532.69 273.60 Td (clients, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 259.20 Td (customers ) Tj ET Q q 0 0 0 rg BT 93.35 259.20 Td (and ) Tj ET Q q 0 0 0 rg BT 114.87 259.20 Td (communities. ) Tj ET Q q 0 0 0 rg BT 183.75 259.20 Td (W) Tj ET Q q 0 0 0 rg BT 194.12 259.20 Td (e ) Tj ET Q q 0 0 0 rg BT 203.64 259.20 Td (are ) Tj ET Q q 0 0 0 rg BT 222.48 259.20 Td (increasingly ) Tj ET Q q 0 0 0 rg BT 285.32 259.20 Td (optimistic ) Tj ET Q q 0 0 0 rg BT 337.51 259.20 Td (about ) Tj ET Q q 0 0 0 rg BT 368.37 259.20 Td (the ) Tj ET Q q 0 0 0 rg BT 387.22 259.20 Td (future ) Tj ET Q q 0 0 0 rg BT 420.07 259.20 Td (of ) Tj ET Q q 0 0 0 rg BT 434.26 259.20 Td (the ) Tj ET Q q 0 0 0 rg BT 453.11 259.20 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 478.65 259.20 Td (economy ) Tj ET Q q 0 0 0 rg BT 526.83 259.20 Td (and ) Tj ET Q q 0 0 0 rg BT 548.35 259.20 Td (will ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 244.80 Td (continue ) Tj ET Q q 0 0 0 rg BT 85.92 244.80 Td (to ) Tj ET Q q 0 0 0 rg BT 99.35 244.80 Td (do ) Tj ET Q q 0 0 0 rg BT 115.44 244.80 Td (our ) Tj ET Q q 0 0 0 rg BT 135.53 244.80 Td (part ) Tj ET Q q 0 0 0 rg BT 158.29 244.80 Td (to ) Tj ET Q q 0 0 0 rg BT 171.71 244.80 Td (support ) Tj ET Q q 0 0 0 rg BT 211.81 244.80 Td (growth, ) Tj ET Q q 0 0 0 rg BT 252.90 244.80 Td (economic ) Tj ET Q q 0 0 0 rg BT 303.64 244.80 Td (development ) Tj ET Q q 0 0 0 rg BT 369.72 244.80 Td (and ) Tj ET Q q 0 0 0 rg BT 391.14 244.80 Td (the ) Tj ET Q q 0 0 0 rg BT 409.90 244.80 Td (creation ) Tj ET Q q 0 0 0 rg BT 452.64 244.80 Td (of ) Tj ET Q q 0 0 0 rg BT 466.73 244.80 Td (new ) Tj ET Q q 0 0 0 rg BT 490.82 244.80 Td (jobs ) Tj ET Q q 0 0 0 rg BT 514.92 244.80 Td (around ) Tj ET Q q 0 0 0 rg BT 552.33 244.80 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 40.50 230.40 Td (world.? Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 40.50 200.40 Td (In ) Tj ET Q q 0 0 0 rg BT 51.50 200.40 Td (the ) Tj ET Q q 0 0 0 rg BT 66.40 200.40 Td (discussion ) Tj ET Q q 0 0 0 rg BT 110.74 200.40 Td (below ) Tj ET Q q 0 0 0 rg BT 137.30 200.40 Td (of ) Tj ET Q q 0 0 0 rg BT 147.76 200.40 Td (the ) Tj ET Q q 0 0 0 rg BT 162.65 200.40 Td (business ) Tj ET Q q 0 0 0 rg BT 199.21 200.40 Td (segments ) Tj ET Q q 0 0 0 rg BT 238.55 200.40 Td (and ) Tj ET Q q 0 0 0 rg BT 256.22 200.40 Td (of ) Tj ET Q q 0 0 0 rg BT 266.68 200.40 Td (JPMor) Tj ET Q q 0 0 0 rg BT 294.07 200.40 Td (gan ) Tj ET Q q 0 0 0 rg BT 311.75 200.40 Td (Chase ) Tj ET Q q 0 0 0 rg BT 339.42 200.40 Td (as ) Tj ET Q q 0 0 0 rg BT 350.99 200.40 Td (a ) Tj ET Q q 0 0 0 rg BT 358.67 200.40 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 383.84 200.40 Td (information ) Tj ET Q q 0 0 0 rg BT 433.74 200.40 Td (is ) Tj ET Q q 0 0 0 rg BT 443.09 200.40 Td (pr) Tj ET Q q 0 0 0 rg BT 451.61 200.40 Td (esented ) Tj ET Q q 0 0 0 rg BT 484.27 200.40 Td (on ) Tj ET Q q 0 0 0 rg BT 496.94 200.40 Td (a ) Tj ET Q q 0 0 0 rg BT 504.62 200.40 Td (managed ) Tj ET Q q 0 0 0 rg BT 543.95 200.40 Td (basis. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 40.50 188.40 Td (For ) Tj ET Q q 0 0 0 rg BT 58.65 188.40 Td (mor) Tj ET Q q 0 0 0 rg BT 74.39 188.40 Td (e ) Tj ET Q q 0 0 0 rg BT 81.98 188.40 Td (information ) Tj ET Q q 0 0 0 rg BT 132.35 188.40 Td (about ) Tj ET Q q 0 0 0 rg BT 158.28 188.40 Td (managed ) Tj ET Q q 0 0 0 rg BT 198.09 188.40 Td (basis, ) Tj ET Q q 0 0 0 rg BT 224.30 188.40 Td (as ) Tj ET Q q 0 0 0 rg BT 236.34 188.40 Td (well ) Tj ET Q q 0 0 0 rg BT 256.15 188.40 Td (as ) Tj ET Q q 0 0 0 rg BT 268.19 188.40 Td (other ) Tj ET Q q 0 0 0 rg BT 292.45 188.40 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 336.14 188.40 Td ( ) Tj ET Q q 0 0 0 rg BT 339.29 188.40 Td (financial ) Tj ET Q q 0 0 0 rg BT 377.99 188.40 Td (measur) Tj ET Q q 0 0 0 rg BT 407.07 188.40 Td (es ) Tj ET Q q 0 0 0 rg BT 418.54 188.40 Td (used ) Tj ET Q q 0 0 0 rg BT 440.02 188.40 Td (by ) Tj ET Q q 0 0 0 rg BT 452.61 188.40 Td (management ) Tj ET Q q 0 0 0 rg BT 506.86 188.40 Td (to ) Tj ET Q q 0 0 0 rg BT 517.78 188.40 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 554.80 188.40 Td (the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 40.50 176.40 Td (performance ) Tj ET Q q 0 0 0 rg BT 93.96 176.40 Td (of ) Tj ET Q q 0 0 0 rg BT 104.11 176.40 Td (each ) Tj ET Q q 0 0 0 rg BT 125.35 176.40 Td (line ) Tj ET Q q 0 0 0 rg BT 142.71 176.40 Td (of ) Tj ET Q q 0 0 0 rg BT 152.86 176.40 Td (business, ) Tj ET Q q 0 0 0 rg BT 191.61 176.40 Td (see ) Tj ET Q q 0 0 0 rg BT 206.75 176.40 Td (pages ) Tj ET Q q 0 0 0 rg BT 232.44 176.40 Td (12 ) Tj ET Q q 0 0 0 rg BT 244.81 176.40 Td (and ) Tj ET Q q 0 0 0 rg BT 262.17 176.40 Td (13. ) Tj ET Q q 0 0 0 rg BT 277.04 176.40 Td (The ) Tj ET Q q 0 0 0 rg BT 294.41 176.40 Td (following ) Tj ET Q q 0 0 0 rg BT 334.56 176.40 Td (discussion ) Tj ET Q q 0 0 0 rg BT 378.59 176.40 Td (compar) Tj ET Q q 0 0 0 rg BT 408.77 176.40 Td (es ) Tj ET Q q 0 0 0 rg BT 419.47 176.40 Td (the ) Tj ET Q q 0 0 0 rg BT 434.05 176.40 Td (fourth ) Tj ET Q q 0 0 0 rg BT 460.86 176.40 Td (quarters ) Tj ET Q q 0 0 0 rg BT 497.12 176.40 Td (of ) Tj ET Q q 0 0 0 rg BT 507.27 176.40 Td (2013 ) Tj ET Q q 0 0 0 rg BT 529.63 176.40 Td (and ) Tj ET Q q 0 0 0 rg BT 547.00 176.40 Td (2012 ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 40.50 164.40 Td (unless ) Tj ET Q q 0 0 0 rg BT 68.00 164.40 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 109.39 164.40 Td (noted. ) Tj ET Q q 0 0 0 rg BT 136.60 164.40 Td (Footnotes ) Tj ET Q q 0 0 0 rg BT 179.10 164.40 Td (in ) Tj ET Q q 0 0 0 rg BT 189.38 164.40 Td (the ) Tj ET Q q 0 0 0 rg BT 204.09 164.40 Td (sections ) Tj ET Q q 0 0 0 rg BT 238.81 164.40 Td (that ) Tj ET Q q 0 0 0 rg BT 256.87 164.40 Td (follow ) Tj ET Q q 0 0 0 rg BT 284.37 164.40 Td (ar) Tj ET Q q 0 0 0 rg BT 292.89 164.40 Td (e ) Tj ET Q q 0 0 0 rg BT 299.83 164.40 Td (described ) Tj ET Q q 0 0 0 rg BT 341.21 164.40 Td (on ) Tj ET Q q 0 0 0 rg BT 353.71 164.40 Td (page ) Tj ET Q q 0 0 0 rg BT 375.65 164.40 Td (14.) 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Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 731.90 Td (CONSUMER & COMMUNITY) Tj ET Q q 0 0 0 rg BT 206.91 731.90 Td ( BANKING \(CCB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 721.4 m 50.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 721.4 m 231.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 721.4 m 231.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 721.4 m 276.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 721.4 m 280.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 721.4 m 280.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 721.4 m 325.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 721.4 m 329.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 721.4 m 329.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 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0 d 0 J 0 j 3 M 517.5 721.4 m 562.5 721.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 706.4 m 562.5 706.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 706.4 m 50.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 691.4 m 231.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 706.4 m 231.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 691.4 m 276.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 691.4 m 280.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 706.4 m 280.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 691.4 m 325.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 691.4 m 329.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 706.4 m 329.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 691.4 m 374.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 691.4 m 378.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 706.4 m 378.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 691.4 m 423.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 706.4 m 423.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 691.4 m 468.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 691.4 m 472.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 706.4 m 472.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 691.4 m 517.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 706.4 m 517.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 706.4 m 562.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 691.4 m 562.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 691.4 m 50.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 676.4 m 231.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 691.4 m 231.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 691.4 m 276.5 691.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 676.4 m 276.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 676.4 m 280.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 691.4 m 280.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 676.4 m 325.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 676.4 m 329.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 691.4 m 329.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 676.4 m 374.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 676.4 m 378.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 691.4 m 378.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 676.4 m 423.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 691.4 m 423.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 676.4 m 468.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 676.4 m 472.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 691.4 m 472.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 676.4 m 517.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 691.4 m 517.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 691.4 m 562.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 676.4 m 562.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 676.4 m 50.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 661.4 m 231.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 676.4 m 231.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 676.4 m 276.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 661.4 m 276.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 661.4 m 280.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 676.4 m 280.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 661.4 m 325.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 661.4 m 329.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 676.4 m 329.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 661.4 m 374.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 661.4 m 378.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 676.4 m 378.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 661.4 m 423.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 676.4 m 423.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 676.4 m 468.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 661.4 m 468.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 661.4 m 472.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 676.4 m 472.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 661.4 m 517.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 676.4 m 517.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 676.4 m 562.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 676.4 m 562.5 676.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 661.4 m 562.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 661.4 m 50.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 646.4 m 231.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 661.4 m 231.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 661.4 m 276.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 646.4 m 276.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 646.4 m 280.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 661.4 m 280.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 646.4 m 325.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 646.4 m 329.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 661.4 m 329.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 646.4 m 374.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 646.4 m 378.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 661.4 m 378.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 646.4 m 423.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 661.4 m 423.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 661.4 m 468.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 646.4 m 468.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 646.4 m 472.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 661.4 m 472.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 646.4 m 517.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 661.4 m 517.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 661.4 m 562.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 661.4 m 562.5 661.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 646.4 m 562.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 646.4 m 50.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 631.4 m 231.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 646.4 m 231.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 646.4 m 276.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 631.4 m 276.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 631.4 m 280.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 646.4 m 280.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 631.4 m 325.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 631.4 m 329.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 646.4 m 329.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 631.4 m 374.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 631.4 m 378.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 646.4 m 378.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 631.4 m 423.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 646.4 m 423.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 646.4 m 468.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 631.4 m 468.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 631.4 m 472.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 646.4 m 472.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 631.4 m 517.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 646.4 m 517.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 646.4 m 562.5 631.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 646.4 m 562.5 646.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 631.4 m 562.5 631.4 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 711.27 Td (Results for CCB) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 711.27 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 711.27 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 696.27 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 696.27 Td (4Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 696.27 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 696.27 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 696.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 696.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 696.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 696.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 681.27 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 681.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 681.27 Td (11,314) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 681.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 291.00 681.27 Td (11,082) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 681.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 340.00 681.27 Td (12,362) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 681.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 681.27 Td (232) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.65 681.27 Td (2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.75 681.27 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 681.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 681.27 Td (\(1,048) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 681.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 681.27 Td (\(8) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 681.27 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 666.27 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 261.25 666.27 Td (72) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 301.10 666.27 Td (\(267) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 666.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 666.27 Td (1,091) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 666.27 Td (339) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 666.27 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 666.27 Td (\(1,019) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 666.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 666.27 Td (\(93) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 666.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 651.27 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 651.27 Td (7,321) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 651.27 Td (6,867) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 651.27 Td (7,989) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 651.27 Td (454) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.65 651.27 Td (7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 651.27 Td (\(668) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 651.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 651.27 Td (\(8) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 651.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 636.27 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 636.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 636.27 Td (2,372) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 636.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 636.27 Td (2,702) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 636.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 636.27 Td (1,989) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 636.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 636.27 Td (\(330) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 636.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 636.27 Td (\(12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 636.27 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 636.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 636.27 Td (383) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 538.15 636.27 Td (19) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 636.27 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 605.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 605.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 605.50 Td (Results: ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 591.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.66 591.10 Td (income ) Tj ET Q q 0 0 0 rg BT 107.31 591.10 Td (was ) Tj ET Q q 0 0 0 rg BT 128.30 591.10 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 151.63 591.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 188.30 591.10 Td (an ) Tj ET Q q 0 0 0 rg BT 201.95 591.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 243.59 591.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.92 591.10 Td ($383 ) Tj ET Q q 0 0 0 rg BT 282.25 591.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 322.25 591.10 Td (or ) Tj ET Q q 0 0 0 rg BT 334.57 591.10 Td (19%, ) Tj ET Q q 0 0 0 rg BT 361.90 591.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 411.54 591.10 Td (with ) Tj ET Q q 0 0 0 rg BT 435.20 591.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.19 591.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 477.85 591.10 Td (year) Tj ET Q q 0 0 0 rg BT 498.02 591.10 Td (, ) Tj ET Q q 0 0 0 rg BT 503.35 591.10 Td (due ) Tj ET Q q 0 0 0 rg BT 523.01 591.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.67 591.10 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 576.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 98.33 576.70 Td (for ) Tj ET Q q 0 0 0 rg BT 115.33 576.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.64 576.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 177.31 576.70 Td (and ) Tj ET Q q 0 0 0 rg BT 197.64 576.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 227.96 576.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 284.28 576.70 Td (expense, ) Tj ET Q q 0 0 0 rg BT 328.93 576.70 Td (lar) Tj ET Q q 0 0 0 rg BT 341.37 576.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 365.03 576.70 Td (of) Tj ET Q q 0 0 0 rg BT 374.81 576.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 395.13 576.70 Td (by ) Tj ET Q q 0 0 0 rg BT 410.13 576.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 440.46 576.70 Td (net ) Tj ET Q q 0 0 0 rg BT 458.12 576.70 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 556.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.32 556.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.29 556.30 Td (was ) Tj ET Q q 0 0 0 rg BT 132.95 556.30 Td ($1) Tj ET Q q 0 0 0 rg BT 144.51 556.30 Td (1.3 ) Tj ET Q q 0 0 0 rg BT 162.51 556.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 199.84 556.30 Td (a ) Tj ET Q q 0 0 0 rg BT 208.16 556.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 252.46 556.30 Td (of ) Tj ET Q q 0 0 0 rg BT 265.45 556.30 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 289.45 556.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 326.78 556.30 Td (or ) Tj ET Q q 0 0 0 rg BT 339.77 556.30 Td (8%, ) Tj ET Q q 0 0 0 rg BT 361.77 556.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 412.07 556.30 Td (with ) Tj ET Q q 0 0 0 rg BT 436.40 556.30 Td (the ) Tj ET Q q 0 0 0 rg BT 454.06 556.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 480.38 556.30 Td (year) Tj ET Q q 0 0 0 rg BT 500.37 556.30 Td (. ) Tj ET Q q 0 0 0 rg BT 506.37 556.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.69 556.30 Td (interest ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 541.90 Td (income ) Tj ET Q q 0 0 0 rg BT 88.93 541.90 Td (was ) Tj ET Q q 0 0 0 rg BT 111.20 541.90 Td ($7.1 ) Tj ET Q q 0 0 0 rg BT 135.81 541.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 173.76 541.90 Td (down ) Tj ET Q q 0 0 0 rg BT 204.03 541.90 Td ($199 ) Tj ET Q q 0 0 0 rg BT 231.64 541.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 272.92 541.90 Td (or ) Tj ET Q q 0 0 0 rg BT 286.53 541.90 Td (3%, ) Tj ET Q q 0 0 0 rg BT 309.13 541.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 343.40 541.90 Td (by ) Tj ET Q q 0 0 0 rg BT 359.01 541.90 Td (spread ) Tj ET Q q 0 0 0 rg BT 393.93 541.90 Td (compression ) Tj ET Q q 0 0 0 rg BT 458.20 541.90 Td (in ) Tj ET Q q 0 0 0 rg BT 471.14 541.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 504.75 541.90 Td (Card, ) Tj ET Q q 0 0 0 rg BT 534.68 541.90 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 527.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 87.47 527.50 Td (mar) Tj ET Q q 0 0 0 rg BT 105.91 527.50 Td (gins ) Tj ET Q q 0 0 0 rg BT 128.73 527.50 Td (and ) Tj ET Q q 0 0 0 rg BT 148.86 527.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 178.99 527.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 202.46 527.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 246.58 527.50 Td (due ) Tj ET Q q 0 0 0 rg BT 266.72 527.50 Td (to ) Tj ET Q q 0 0 0 rg BT 278.86 527.50 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 323.67 527.50 Td (runof) Tj ET Q q 0 0 0 rg BT 349.44 527.50 Td (f, ) Tj ET Q q 0 0 0 rg BT 359.25 527.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 402.04 527.50 Td (of) Tj ET Q q 0 0 0 rg BT 411.82 527.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 431.96 527.50 Td (by ) Tj ET Q q 0 0 0 rg BT 446.76 527.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 480.23 527.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 517.70 527.50 Td (balances. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 513.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.53 513.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 151.05 513.10 Td (was ) Tj ET Q q 0 0 0 rg BT 173.25 513.10 Td ($4.3billion, ) Tj ET Q q 0 0 0 rg BT 235.13 513.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.00 513.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 288.84 513.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.38 513.10 Td ($849 ) Tj ET Q q 0 0 0 rg BT 329.93 513.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 371.14 513.10 Td (or ) Tj ET Q q 0 0 0 rg BT 384.68 513.10 Td (17%, ) Tj ET Q q 0 0 0 rg BT 413.22 513.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 447.42 513.10 Td (by ) Tj ET Q q 0 0 0 rg BT 462.96 513.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 493.83 513.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 542.69 513.10 Td (fees ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 498.70 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 498.70 Td (related ) Tj ET Q q 0 0 0 rg BT 105.97 498.70 Td (income, ) Tj ET Q q 0 0 0 rg BT 147.29 498.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 190.27 498.70 Td (of) Tj ET Q q 0 0 0 rg BT 200.05 498.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 220.38 498.70 Td (by ) Tj ET Q q 0 0 0 rg BT 235.38 498.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 269.04 498.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 324.69 498.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 351.02 498.70 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 478.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.96 478.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.59 478.30 Td (for ) Tj ET Q q 0 0 0 rg BT 137.88 478.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.49 478.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.46 478.30 Td (was ) Tj ET Q q 0 0 0 rg BT 222.42 478.30 Td ($72million, ) Tj ET Q q 0 0 0 rg BT 284.39 478.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 335.00 478.30 Td (with ) Tj ET Q q 0 0 0 rg BT 359.63 478.30 Td ($1.1billion ) Tj ET Q q 0 0 0 rg BT 418.27 478.30 Td (in ) Tj ET Q q 0 0 0 rg BT 430.90 478.30 Td (the ) Tj ET Q q 0 0 0 rg BT 448.86 478.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 475.48 478.30 Td (year ) Tj ET Q q 0 0 0 rg BT 499.43 478.30 Td (and ) Tj ET Q q 0 0 0 rg BT 520.06 478.30 Td (a ) Tj ET Q q 0 0 0 rg BT 528.68 478.30 Td (benefit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 463.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.50 463.90 Td ($267million ) Tj ET Q q 0 0 0 rg BT 128.67 463.90 Td (in ) Tj ET Q q 0 0 0 rg BT 141.51 463.90 Td (the ) Tj ET Q q 0 0 0 rg BT 159.67 463.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 186.50 463.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 219.81 463.90 Td (.? Tj ET Q q 0 0 0 rg BT 225.60 463.90 Td (The ) Tj ET Q q 0 0 0 rg BT 247.76 463.90 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 323.21 463.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 372.05 463.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 417.52 463.90 Td (a ) Tj ET Q q 0 0 0 rg BT 426.34 463.90 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 450.85 463.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 485.69 463.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 534.50 463.90 Td (in ) Tj ET Q q 0 0 0 rg BT 547.34 463.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 449.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 102.31 449.50 Td (for ) Tj ET Q q 0 0 0 rg BT 119.98 449.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 144.32 449.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 176.66 449.50 Td (and ) Tj ET Q q 0 0 0 rg BT 197.66 449.50 Td (total ) Tj ET Q q 0 0 0 rg BT 222.67 449.50 Td (net ) Tj ET Q q 0 0 0 rg BT 241.00 449.50 Td (char) Tj ET Q q 0 0 0 rg BT 261.43 449.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 286.54 449.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 298.88 449.50 Td (of ) Tj ET Q q 0 0 0 rg BT 312.55 449.50 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 337.22 449.50 Td (billion. ) Tj ET Q q 0 0 0 rg BT 374.97 449.50 Td (The ) Tj ET Q q 0 0 0 rg BT 397.30 449.50 Td (prior) Tj ET Q q 0 0 0 rg BT 420.39 449.50 Td (-quarter ) Tj ET Q q 0 0 0 rg BT 462.04 449.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 511.05 449.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 556.69 449.50 Td (a ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 435.10 Td ($1.6billion ) Tj ET Q q 0 0 0 rg BT 108.90 435.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 157.79 435.10 Td (in ) Tj ET Q q 0 0 0 rg BT 170.69 435.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.91 435.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 241.12 435.10 Td (for ) Tj ET Q q 0 0 0 rg BT 258.68 435.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 282.91 435.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 315.14 435.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.04 435.10 Td (total ) Tj ET Q q 0 0 0 rg BT 360.93 435.10 Td (net ) Tj ET Q q 0 0 0 rg BT 379.16 435.10 Td (char) Tj ET Q q 0 0 0 rg BT 399.59 435.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 424.69 435.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 436.92 435.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.49 435.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 475.05 435.10 Td (billion. ) Tj ET Q q 0 0 0 rg BT 512.70 435.10 Td (The ) Tj ET Q q 0 0 0 rg BT 534.92 435.10 Td (prior) Tj ET Q q 0 0 0 rg BT 558.01 435.10 Td (-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 420.70 Td (year ) Tj ET Q q 0 0 0 rg BT 73.87 420.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 122.42 420.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 167.60 420.70 Td (a ) Tj ET Q q 0 0 0 rg BT 176.15 420.70 Td ($700million ) Tj ET Q q 0 0 0 rg BT 241.03 420.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 289.57 420.70 Td (in ) Tj ET Q q 0 0 0 rg BT 302.12 420.70 Td (the ) Tj ET Q q 0 0 0 rg BT 320.00 420.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 371.86 420.70 Td (for ) Tj ET Q q 0 0 0 rg BT 389.07 420.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 412.95 420.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 444.83 420.70 Td (and ) Tj ET Q q 0 0 0 rg BT 465.38 420.70 Td (total ) Tj ET Q q 0 0 0 rg BT 489.92 420.70 Td (net ) Tj ET Q q 0 0 0 rg BT 507.80 420.70 Td (char) Tj ET Q q 0 0 0 rg BT 528.23 420.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 553.34 420.70 Td (fs ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 406.30 Td (of ) Tj ET Q q 0 0 0 rg BT 63.00 406.30 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 87.00 406.30 Td (billion.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 385.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.21 385.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.09 385.90 Td (was ) Tj ET Q q 0 0 0 rg BT 169.98 385.90 Td ($7.3billion, ) Tj ET Q q 0 0 0 rg BT 230.54 385.90 Td (a ) Tj ET Q q 0 0 0 rg BT 238.09 385.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 281.62 385.90 Td (of ) Tj ET Q q 0 0 0 rg BT 293.84 385.90 Td ($668million, ) Tj ET Q q 0 0 0 rg BT 360.73 385.90 Td (or ) Tj ET Q q 0 0 0 rg BT 372.96 385.90 Td (8%, ) Tj ET Q q 0 0 0 rg BT 394.18 385.90 Td (from ) Tj ET Q q 0 0 0 rg BT 419.73 385.90 Td (the ) Tj ET Q q 0 0 0 rg BT 436.62 385.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 462.17 385.90 Td (year) Tj ET Q q 0 0 0 rg BT 482.34 385.90 Td (, ) Tj ET Q q 0 0 0 rg BT 487.57 385.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 520.45 385.90 Td (by ) Tj ET Q q 0 0 0 rg BT 534.68 385.90 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 371.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 96.91 371.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 142.49 371.50 Td (expense, ) Tj ET Q q 0 0 0 rg BT 185.73 371.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 227.30 371.50 Td (of) Tj ET Q q 0 0 0 rg BT 237.08 371.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 256.00 371.50 Td (by ) Tj ET Q q 0 0 0 rg BT 269.59 371.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 301.84 371.50 Td (non-MBS ) Tj ET Q q 0 0 0 rg BT 350.78 371.50 Td (related ) Tj ET Q q 0 0 0 rg BT 385.01 371.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 409.93 371.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 450.17 371.50 Td (in ) Tj ET Q q 0 0 0 rg BT 461.09 371.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 509.34 371.50 Td (Production ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 357.10 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 357.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 97.33 357.10 Td (related ) Tj ET Q q 0 0 0 rg BT 132.97 357.10 Td (to ) Tj ET Q q 0 0 0 rg BT 145.30 357.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.96 357.10 Td (control ) Tj ET Q q 0 0 0 rg BT 199.95 357.10 Td (agenda.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 322.30 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 322.30 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 322.30 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 322.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 322.30 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 313.34 Td (\(All comparisons refer to the prior-year quarter except as noted; banking portal ranking is per compete.com, as of November 2013\)) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 470.47 307.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 290.91 cm /I18 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.00 293.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 293.50 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 293.50 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 293.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 293.50 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 293.50 Td (20% ) Tj ET Q q 0 0 0 rg BT 234.31 293.50 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 293.50 Td ($46.0billion ) Tj ET Q q 0 0 0 rg BT 313.65 293.50 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 293.50 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 293.50 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 293.50 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 276.51 cm /I19 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 279.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 279.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.16 279.10 Td (total ) Tj ET Q q 0 0 0 rg BT 171.89 279.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 214.63 279.10 Td (were ) Tj ET Q q 0 0 0 rg BT 241.35 279.10 Td ($461.1billion, ) Tj ET Q q 0 0 0 rg BT 315.09 279.10 Td (up ) Tj ET Q q 0 0 0 rg BT 330.50 279.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 349.90 279.10 Td (from ) Tj ET Q q 0 0 0 rg BT 376.63 279.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.70 279.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 421.43 279.10 Td (year ) Tj ET Q q 0 0 0 rg BT 445.48 279.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.21 279.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 485.62 279.10 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 279.10 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 264.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 131.67 264.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 164.99 264.70 Td (. ) Tj ET Q q 0 0 0 rg BT 171.38 264.70 Td (According ) Tj ET Q q 0 0 0 rg BT 226.37 264.70 Td (to ) Tj ET Q q 0 0 0 rg BT 240.05 264.70 Td (the ) Tj ET Q q 0 0 0 rg BT 259.06 264.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 290.74 264.70 Td (2013 ) Tj ET Q q 0 0 0 rg BT 319.09 264.70 Td (Summary ) Tj ET Q q 0 0 0 rg BT 370.10 264.70 Td (of ) Tj ET Q q 0 0 0 rg BT 384.44 264.70 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 430.79 264.70 Td (survey) Tj ET Q q 0 0 0 rg BT 462.00 264.70 Td (, ) Tj ET Q q 0 0 0 rg BT 469.35 264.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 503.02 264.70 Td (grew ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 250.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 146.37 250.30 Td (more ) Tj ET Q q 0 0 0 rg BT 174.06 250.30 Td (than ) Tj ET Q q 0 0 0 rg BT 197.76 250.30 Td (any ) Tj ET Q q 0 0 0 rg BT 218.12 250.30 Td (other ) Tj ET Q q 0 0 0 rg BT 245.81 250.30 Td (bank ) Tj ET Q q 0 0 0 rg BT 272.17 250.30 Td (for ) Tj ET Q q 0 0 0 rg BT 289.20 250.30 Td (the ) Tj ET Q q 0 0 0 rg BT 306.89 250.30 Td (second ) Tj ET Q q 0 0 0 rg BT 343.25 250.30 Td (year ) Tj ET Q q 0 0 0 rg BT 366.93 250.30 Td (in ) Tj ET Q q 0 0 0 rg BT 379.30 250.30 Td (a ) Tj ET Q q 0 0 0 rg BT 387.66 250.30 Td (row) Tj ET Q q 0 0 0 rg BT 405.55 250.30 Td (, ) Tj ET Q q 0 0 0 rg BT 411.58 250.30 Td (with ) Tj ET Q q 0 0 0 rg BT 435.95 250.30 Td (a ) Tj ET Q q 0 0 0 rg BT 444.31 250.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 481.34 250.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 502.36 250.30 Td (more ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 235.90 Td (than ) Tj ET Q q 0 0 0 rg BT 127.66 235.90 Td (twice ) Tj ET Q q 0 0 0 rg BT 156.65 235.90 Td (the ) Tj ET Q q 0 0 0 rg BT 174.31 235.90 Td (industry ) Tj ET Q q 0 0 0 rg BT 216.64 235.90 Td (average) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 253.94 241.34 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 257.84 235.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 218.91 cm /I20 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 221.50 Td (Active ) Tj ET Q q 0 0 0 rg BT 138.38 221.50 Td (mobile ) Tj ET Q q 0 0 0 rg BT 174.09 221.50 Td (customers ) Tj ET Q q 0 0 0 rg BT 225.14 221.50 Td (were ) Tj ET Q q 0 0 0 rg BT 250.84 221.50 Td (up ) Tj ET Q q 0 0 0 rg BT 265.23 221.50 Td (26% ) Tj ET Q q 0 0 0 rg BT 289.62 221.50 Td (over ) Tj ET Q q 0 0 0 rg BT 313.33 221.50 Td (the ) Tj ET Q q 0 0 0 rg BT 330.38 221.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.09 221.50 Td (year ) Tj ET Q q 0 0 0 rg BT 379.13 221.50 Td (to ) Tj ET Q q 0 0 0 rg BT 390.85 221.50 Td (15.6 ) Tj ET Q q 0 0 0 rg BT 414.24 221.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 454.30 221.50 Td (and ) Tj ET Q q 0 0 0 rg BT 474.02 221.50 Td (Chase.com ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 207.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 144.99 207.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.65 207.10 Td (#1 ) Tj ET Q q 0 0 0 rg BT 177.65 207.10 Td (most ) Tj ET Q q 0 0 0 rg BT 203.98 207.10 Td (visited ) Tj ET Q q 0 0 0 rg BT 238.98 207.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 280.64 207.10 Td (portal ) Tj ET Q q 0 0 0 rg BT 311.63 207.10 Td (in ) Tj ET Q q 0 0 0 rg BT 323.97 207.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.63 207.10 Td (U.S.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 190.11 cm /I21 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 192.70 Td (Record ) Tj ET Q q 0 0 0 rg BT 141.59 192.70 Td (client ) Tj ET Q q 0 0 0 rg BT 171.18 192.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 226.78 192.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 257.71 192.70 Td (were ) Tj ET Q q 0 0 0 rg BT 283.96 192.70 Td ($188.8 ) Tj ET Q q 0 0 0 rg BT 319.90 192.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 357.17 192.70 Td (up ) Tj ET Q q 0 0 0 rg BT 372.11 192.70 Td (19% ) Tj ET Q q 0 0 0 rg BT 397.04 192.70 Td (from ) Tj ET Q q 0 0 0 rg BT 423.30 192.70 Td (the ) Tj ET Q q 0 0 0 rg BT 440.90 192.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.16 192.70 Td (year ) Tj ET Q q 0 0 0 rg BT 490.75 192.70 Td (and ) Tj ET Q q 0 0 0 rg BT 511.01 192.70 Td (6% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 178.30 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 178.30 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 178.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 178.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 178.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 161.31 cm /I22 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 163.90 Td (Record ) Tj ET Q q 0 0 0 rg BT 141.50 163.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 171.67 163.90 Td (card ) Tj ET Q q 0 0 0 rg BT 195.17 163.90 Td (sales ) Tj ET Q q 0 0 0 rg BT 221.35 163.90 Td (volume) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 257.35 169.34 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 261.25 163.90 Td ( ) Tj ET Q q 0 0 0 rg BT 264.10 163.90 Td (was ) Tj ET Q q 0 0 0 rg BT 285.61 163.90 Td ($1) Tj ET Q q 0 0 0 rg BT 297.17 163.90 Td (12.6 ) Tj ET Q q 0 0 0 rg BT 321.02 163.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 358.21 163.90 Td (up ) Tj ET Q q 0 0 0 rg BT 373.06 163.90 Td (1) Tj ET Q q 0 0 0 rg BT 378.61 163.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 397.46 163.90 Td (from ) Tj ET Q q 0 0 0 rg BT 423.64 163.90 Td (the ) Tj ET Q q 0 0 0 rg BT 441.15 163.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.33 163.90 Td (year ) Tj ET Q q 0 0 0 rg BT 490.83 163.90 Td (and ) Tj ET Q q 0 0 0 rg BT 511.01 163.90 Td (5% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 149.50 Td (from ) Tj ET Q q 0 0 0 rg BT 129.56 149.50 Td (the ) Tj ET Q q 0 0 0 rg BT 146.46 149.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 172.02 149.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 205.33 149.50 Td (. ) Tj ET Q q 0 0 0 rg BT 210.57 149.50 Td (General ) Tj ET Q q 0 0 0 rg BT 250.78 149.50 Td (purpose ) Tj ET Q q 0 0 0 rg BT 291.01 149.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 320.56 149.50 Td (card ) Tj ET Q q 0 0 0 rg BT 343.44 149.50 Td (sales ) Tj ET Q q 0 0 0 rg BT 369.00 149.50 Td (volume ) Tj ET Q q 0 0 0 rg BT 407.23 149.50 Td (growth ) Tj ET Q q 0 0 0 rg BT 443.47 149.50 Td (has ) Tj ET Q q 0 0 0 rg BT 461.70 149.50 Td (outperformed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 135.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 135.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 163.99 135.10 Td (for ) Tj ET Q q 0 0 0 rg BT 180.99 135.10 Td (23 ) Tj ET Q q 0 0 0 rg BT 195.99 135.10 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 255.63 135.10 Td (quarters) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 294.28 140.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 298.18 135.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 118.11 cm /I23 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 120.70 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 152.20 120.70 Td (processing ) Tj ET Q q 0 0 0 rg BT 205.75 120.70 Td (volume ) Tj ET Q q 0 0 0 rg BT 243.96 120.70 Td (was ) Tj ET Q q 0 0 0 rg BT 264.85 120.70 Td ($203.4 ) Tj ET Q q 0 0 0 rg BT 300.07 120.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 336.63 120.70 Td (up ) Tj ET Q q 0 0 0 rg BT 350.85 120.70 Td (14% ) Tj ET Q q 0 0 0 rg BT 375.07 120.70 Td (from ) Tj ET Q q 0 0 0 rg BT 400.61 120.70 Td (the ) Tj ET Q q 0 0 0 rg BT 417.50 120.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 443.05 120.70 Td (year ) Tj ET Q q 0 0 0 rg BT 465.92 120.70 Td (and ) Tj ET Q q 0 0 0 rg BT 485.46 120.70 Td (9% ) Tj ET Q q 0 0 0 rg BT 503.68 120.70 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 106.30 Td (the ) Tj ET Q q 0 0 0 rg BT 120.82 106.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 146.31 106.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 179.63 106.30 Td (. ) Tj ET Q q 0 0 0 rg BT 184.64 106.30 Td (T) Tj ET Q q 0 0 0 rg BT 191.13 106.30 Td (otal ) Tj ET Q q 0 0 0 rg BT 211.29 106.30 Td (transactions ) Tj ET Q q 0 0 0 rg BT 270.77 106.30 Td (processed ) Tj ET Q q 0 0 0 rg BT 320.25 106.30 Td (were ) Tj ET Q q 0 0 0 rg BT 345.72 106.30 Td (9.6billion, ) Tj ET Q q 0 0 0 rg BT 400.22 106.30 Td (up ) Tj ET Q q 0 0 0 rg BT 414.39 106.30 Td (17% ) Tj ET Q q 0 0 0 rg BT 438.55 106.30 Td (from ) Tj ET Q q 0 0 0 rg BT 464.04 106.30 Td (the ) Tj ET Q q 0 0 0 rg BT 480.86 106.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 506.35 106.30 Td (year ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 91.90 Td (and ) Tj ET Q q 0 0 0 rg BT 124.33 91.90 Td (8% ) Tj ET Q q 0 0 0 rg BT 143.32 91.90 Td (from ) Tj ET Q q 0 0 0 rg BT 169.65 91.90 Td (the ) Tj ET Q q 0 0 0 rg BT 187.31 91.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 213.63 91.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 246.95 91.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 74.91 cm /I24 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 77.50 Td (Auto ) Tj ET Q q 0 0 0 rg BT 131.00 77.50 Td (originations ) Tj ET Q q 0 0 0 rg BT 191.33 77.50 Td (were ) Tj ET Q q 0 0 0 rg BT 217.64 77.50 Td ($6.4 ) Tj ET Q q 0 0 0 rg BT 241.64 77.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 278.98 77.50 Td (up ) Tj ET Q q 0 0 0 rg BT 293.98 77.50 Td (16% ) Tj ET Q q 0 0 0 rg BT 318.97 77.50 Td (from ) Tj ET Q q 0 0 0 rg BT 345.30 77.50 Td (the ) Tj ET Q q 0 0 0 rg BT 362.96 77.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 389.29 77.50 Td (year) Tj ET Q q 0 0 0 rg BT 409.27 77.50 Td (.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I25 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 153.81 740.70 Td (originations ) Tj ET Q q 0 0 0 rg BT 214.30 740.70 Td (were ) Tj ET Q q 0 0 0 rg BT 240.78 740.70 Td ($23.3 ) Tj ET Q q 0 0 0 rg BT 270.94 740.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 308.44 740.70 Td (down ) Tj ET Q q 0 0 0 rg BT 338.26 740.70 Td (54% ) Tj ET Q q 0 0 0 rg BT 363.42 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 389.91 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 407.73 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 434.22 740.70 Td (year ) Tj ET Q q 0 0 0 rg BT 458.03 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 478.51 740.70 Td (42% ) Tj ET Q q 0 0 0 rg BT 503.67 740.70 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.98 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 148.62 726.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.94 726.30 Td (. ) Tj ET Q q 0 0 0 rg BT 188.26 726.30 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 234.89 726.30 Td (originations ) Tj ET Q q 0 0 0 rg BT 295.54 726.30 Td (of ) Tj ET Q q 0 0 0 rg BT 308.85 726.30 Td ($13.0 ) Tj ET Q q 0 0 0 rg BT 339.17 726.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 373.82 726.30 Td (were ) Tj ET Q q 0 0 0 rg BT 400.46 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 415.77 726.30 Td (6% ) Tj ET Q q 0 0 0 rg BT 435.09 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 461.73 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 479.71 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 506.35 726.30 Td (year ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 124.33 711.90 Td (down ) Tj ET Q q 0 0 0 rg BT 153.99 711.90 Td (35% ) Tj ET Q q 0 0 0 rg BT 178.99 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 205.31 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 222.97 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 249.30 711.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 282.62 711.90 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (Consumer) Tj ET Q q 0 0 0 rg BT 103.12 683.10 Td ( ) Tj ET Q q 0 0 0 rg BT 105.53 683.10 Td (& ) Tj ET Q q 0 0 0 rg BT 117.94 683.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 164.37 683.10 Td (Banking) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 207.73 683.10 Td ( ) Tj ET Q q 0 0 0 rg BT 210.14 683.10 Td (net ) Tj ET Q q 0 0 0 rg BT 227.22 683.10 Td (income ) Tj ET Q q 0 0 0 rg BT 264.95 683.10 Td (was ) Tj ET Q q 0 0 0 rg BT 286.02 683.10 Td ($780 ) Tj ET Q q 0 0 0 rg BT 312.44 683.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 352.52 683.10 Td (an ) Tj ET Q q 0 0 0 rg BT 366.26 683.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 407.97 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.38 683.10 Td ($49 ) Tj ET Q q 0 0 0 rg BT 440.80 683.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 480.88 683.10 Td (or ) Tj ET Q q 0 0 0 rg BT 493.29 683.10 Td (7%, ) Tj ET Q q 0 0 0 rg BT 514.70 683.10 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 668.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 668.70 Td (year) Tj ET Q q 0 0 0 rg BT 138.49 668.70 Td (, ) Tj ET Q q 0 0 0 rg BT 144.49 668.70 Td (due ) Tj ET Q q 0 0 0 rg BT 164.81 668.70 Td (to ) Tj ET Q q 0 0 0 rg BT 177.15 668.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 210.80 668.70 Td (net ) Tj ET Q q 0 0 0 rg BT 228.46 668.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 272.44 668.70 Td (lar) Tj ET Q q 0 0 0 rg BT 284.88 668.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 308.54 668.70 Td (of) Tj ET Q q 0 0 0 rg BT 318.32 668.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 338.64 668.70 Td (by ) Tj ET Q q 0 0 0 rg BT 353.64 668.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 387.30 668.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 443.62 668.70 Td (expense.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 648.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.16 648.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.96 648.30 Td (was ) Tj ET Q q 0 0 0 rg BT 132.46 648.30 Td ($4.4 ) Tj ET Q q 0 0 0 rg BT 156.29 648.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.46 648.30 Td (up ) Tj ET Q q 0 0 0 rg BT 208.29 648.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 227.12 648.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.26 648.30 Td (with ) Tj ET Q q 0 0 0 rg BT 301.42 648.30 Td (the ) Tj ET Q q 0 0 0 rg BT 318.91 648.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 345.07 648.30 Td (year) Tj ET Q q 0 0 0 rg BT 365.06 648.30 Td (. ) Tj ET Q q 0 0 0 rg BT 370.89 648.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 391.05 648.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 429.20 648.30 Td (income ) Tj ET Q q 0 0 0 rg BT 467.35 648.30 Td (was ) Tj ET Q q 0 0 0 rg BT 488.84 648.30 Td ($2.7billion, ) Tj ET Q q 0 0 0 rg BT 550.01 648.30 Td (up ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 633.90 Td (3% ) Tj ET Q q 0 0 0 rg BT 68.39 633.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 118.09 633.90 Td (with ) Tj ET Q q 0 0 0 rg BT 141.82 633.90 Td (the ) Tj ET Q q 0 0 0 rg BT 158.87 633.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 184.59 633.90 Td (year) Tj ET Q q 0 0 0 rg BT 204.76 633.90 Td (, ) Tj ET Q q 0 0 0 rg BT 210.15 633.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 243.20 633.90 Td (by ) Tj ET Q q 0 0 0 rg BT 257.60 633.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 290.65 633.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 327.71 633.90 Td (balances, ) Tj ET Q q 0 0 0 rg BT 374.41 633.90 Td (lar) Tj ET Q q 0 0 0 rg BT 386.85 633.90 Td (gely ) Tj ET Q q 0 0 0 rg BT 409.90 633.90 Td (of) Tj ET Q q 0 0 0 rg BT 419.68 633.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 439.40 633.90 Td (by ) Tj ET Q q 0 0 0 rg BT 453.79 633.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 483.51 633.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 520.57 633.90 Td (mar) Tj ET Q q 0 0 0 rg BT 539.01 633.90 Td (gins. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 619.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.23 619.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 148.44 619.50 Td (was ) Tj ET Q q 0 0 0 rg BT 169.34 619.50 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 192.58 619.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 229.16 619.50 Td (an ) Tj ET Q q 0 0 0 rg BT 242.72 619.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 284.27 619.50 Td (of ) Tj ET Q q 0 0 0 rg BT 296.50 619.50 Td (4%, ) Tj ET Q q 0 0 0 rg BT 317.74 619.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 350.64 619.50 Td (by ) Tj ET Q q 0 0 0 rg BT 364.88 619.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 397.77 619.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 452.67 619.50 Td (sales ) Tj ET Q q 0 0 0 rg BT 478.24 619.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 518.45 619.50 Td (and ) Tj ET Q q 0 0 0 rg BT 538.02 619.50 Td (debit ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (card ) Tj ET Q q 0 0 0 rg BT 73.65 605.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 117.62 605.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 160.61 605.10 Td (of) Tj ET Q q 0 0 0 rg BT 170.39 605.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 190.71 605.10 Td (by ) Tj ET Q q 0 0 0 rg BT 205.71 605.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 236.04 605.10 Td (deposit-related ) Tj ET Q q 0 0 0 rg BT 310.34 605.10 Td (fees.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 584.70 Td (The ) Tj ET Q q 0 0 0 rg BT 72.28 584.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 121.23 584.70 Td (for ) Tj ET Q q 0 0 0 rg BT 138.84 584.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 169.78 584.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 202.07 584.70 Td (was ) Tj ET Q q 0 0 0 rg BT 224.35 584.70 Td ($108 ) Tj ET Q q 0 0 0 rg BT 251.97 584.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 293.26 584.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 344.19 584.70 Td (with ) Tj ET Q q 0 0 0 rg BT 369.14 584.70 Td ($1) Tj ET Q q 0 0 0 rg BT 380.69 584.70 Td (10 ) Tj ET Q q 0 0 0 rg BT 396.31 584.70 Td (million ) Tj ET Q q 0 0 0 rg BT 434.60 584.70 Td (in ) Tj ET Q q 0 0 0 rg BT 447.56 584.70 Td (the ) Tj ET Q q 0 0 0 rg BT 465.84 584.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 492.78 584.70 Td (year ) Tj ET Q q 0 0 0 rg BT 517.05 584.70 Td (and ) Tj ET Q q 0 0 0 rg BT 538.00 584.70 Td ($104 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 570.30 Td (million ) Tj ET Q q 0 0 0 rg BT 87.67 570.30 Td (in ) Tj ET Q q 0 0 0 rg BT 100.00 570.30 Td (the ) Tj ET Q q 0 0 0 rg BT 117.66 570.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 143.99 570.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 177.31 570.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 549.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.91 549.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.48 549.90 Td (was ) Tj ET Q q 0 0 0 rg BT 172.07 549.90 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 195.99 549.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 233.25 549.90 Td (up ) Tj ET Q q 0 0 0 rg BT 248.18 549.90 Td (3% ) Tj ET Q q 0 0 0 rg BT 267.10 549.90 Td (from ) Tj ET Q q 0 0 0 rg BT 293.35 549.90 Td (the ) Tj ET Q q 0 0 0 rg BT 310.93 549.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 337.18 549.90 Td (year) Tj ET Q q 0 0 0 rg BT 357.35 549.90 Td (, ) Tj ET Q q 0 0 0 rg BT 363.27 549.90 Td (due ) Tj ET Q q 0 0 0 rg BT 383.52 549.90 Td (to ) Tj ET Q q 0 0 0 rg BT 395.78 549.90 Td (costs ) Tj ET Q q 0 0 0 rg BT 422.70 549.90 Td (related ) Tj ET Q q 0 0 0 rg BT 458.27 549.90 Td (to ) Tj ET Q q 0 0 0 rg BT 470.53 549.90 Td (the ) Tj ET Q q 0 0 0 rg BT 488.11 549.90 Td (control ) Tj ET Q q 0 0 0 rg BT 525.03 549.90 Td (agenda.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 517.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 517.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 517.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 517.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 517.50 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 508.54 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 486.11 cm /I26 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.00 488.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 488.70 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 488.70 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 488.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 488.70 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 488.70 Td (28% ) Tj ET Q q 0 0 0 rg BT 234.31 488.70 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 488.70 Td ($1) Tj ET Q q 0 0 0 rg BT 260.87 488.70 Td (1.0billion ) Tj ET Q q 0 0 0 rg BT 313.20 488.70 Td (of ) Tj ET Q q 0 0 0 rg BT 326.20 488.70 Td (average ) Tj ET Q q 0 0 0 rg BT 366.50 488.70 Td (allocated ) Tj ET Q q 0 0 0 rg BT 412.81 488.70 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 471.71 cm /I27 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 474.30 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.55 474.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.44 474.30 Td (in ) Tj ET Q q 0 0 0 rg BT 170.66 474.30 Td (customer ) Tj ET Q q 0 0 0 rg BT 217.54 474.30 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 275.08 474.30 Td (among ) Tj ET Q q 0 0 0 rg BT 310.63 474.30 Td (the ) Tj ET Q q 0 0 0 rg BT 328.18 474.30 Td (lar) Tj ET Q q 0 0 0 rg BT 340.62 474.30 Td (gest ) Tj ET Q q 0 0 0 rg BT 362.84 474.30 Td (banks ) Tj ET Q q 0 0 0 rg BT 393.72 474.30 Td (for ) Tj ET Q q 0 0 0 rg BT 410.61 474.30 Td (the ) Tj ET Q q 0 0 0 rg BT 428.16 474.30 Td (second ) Tj ET Q q 0 0 0 rg BT 464.37 474.30 Td (year ) Tj ET Q q 0 0 0 rg BT 487.91 474.30 Td (in ) Tj ET Q q 0 0 0 rg BT 500.13 474.30 Td (a ) Tj ET Q q 0 0 0 rg BT 508.35 474.30 Td (row ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 459.90 Td (by ) Tj ET Q q 0 0 0 rg BT 118.34 459.90 Td (American ) Tj ET Q q 0 0 0 rg BT 168.65 459.90 Td (Customer ) Tj ET Q q 0 0 0 rg BT 218.31 459.90 Td (Satisfaction ) Tj ET Q q 0 0 0 rg BT 277.96 459.90 Td (Index ) Tj ET Q q 0 0 0 rg BT 308.29 459.90 Td (\(ACSI\).) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 442.91 cm /I28 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 445.50 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 144.33 445.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 160.00 445.50 Td (in ) Tj ET Q q 0 0 0 rg BT 173.01 445.50 Td (small ) Tj ET Q q 0 0 0 rg BT 202.68 445.50 Td (business ) Tj ET Q q 0 0 0 rg BT 247.03 445.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 289.36 445.50 Td (customer ) Tj ET Q q 0 0 0 rg BT 337.02 445.50 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 395.35 445.50 Td (in ) Tj ET Q q 0 0 0 rg BT 408.35 445.50 Td (three ) Tj ET Q q 0 0 0 rg BT 436.01 445.50 Td (of ) Tj ET Q q 0 0 0 rg BT 449.68 445.50 Td (the ) Tj ET Q q 0 0 0 rg BT 468.01 445.50 Td (four ) Tj ET Q q 0 0 0 rg BT 491.68 445.50 Td (regions ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 431.10 Td (\(W) Tj ET Q q 0 0 0 rg BT 118.36 431.10 Td (est, ) Tj ET Q q 0 0 0 rg BT 137.69 431.10 Td (Midwest ) Tj ET Q q 0 0 0 rg BT 182.69 431.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.02 431.10 Td (South\) ) Tj ET Q q 0 0 0 rg BT 238.02 431.10 Td (by ) Tj ET Q q 0 0 0 rg BT 253.02 431.10 Td (J.D. ) Tj ET Q q 0 0 0 rg BT 275.36 431.10 Td (Power) Tj ET Q q 0 0 0 rg BT 305.36 431.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 414.11 cm /I29 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 416.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 416.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.73 416.70 Td (total ) Tj ET Q q 0 0 0 rg BT 171.03 416.70 Td (deposits ) Tj ET Q q 0 0 0 rg BT 213.34 416.70 Td (were ) Tj ET Q q 0 0 0 rg BT 239.63 416.70 Td ($446.0billion, ) Tj ET Q q 0 0 0 rg BT 312.95 416.70 Td (up ) Tj ET Q q 0 0 0 rg BT 327.92 416.70 Td (10% ) Tj ET Q q 0 0 0 rg BT 352.89 416.70 Td (from ) Tj ET Q q 0 0 0 rg BT 379.20 416.70 Td (the ) Tj ET Q q 0 0 0 rg BT 396.83 416.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.14 416.70 Td (year ) Tj ET Q q 0 0 0 rg BT 446.76 416.70 Td (and ) Tj ET Q q 0 0 0 rg BT 467.06 416.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 486.04 416.70 Td (from ) Tj ET Q q 0 0 0 rg BT 512.34 416.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 402.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 402.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 402.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 385.31 cm /I30 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 387.90 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 143.73 387.90 Td (mar) Tj ET Q q 0 0 0 rg BT 162.17 387.90 Td (gin ) Tj ET Q q 0 0 0 rg BT 179.90 387.90 Td (was ) Tj ET Q q 0 0 0 rg BT 200.96 387.90 Td (2.29%, ) Tj ET Q q 0 0 0 rg BT 237.36 387.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 287.07 387.90 Td (with ) Tj ET Q q 0 0 0 rg BT 310.80 387.90 Td (2.44% ) Tj ET Q q 0 0 0 rg BT 344.20 387.90 Td (in ) Tj ET Q q 0 0 0 rg BT 355.93 387.90 Td (the ) Tj ET Q q 0 0 0 rg BT 372.99 387.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 398.71 387.90 Td (year ) Tj ET Q q 0 0 0 rg BT 421.76 387.90 Td (and ) Tj ET Q q 0 0 0 rg BT 441.49 387.90 Td (2.32% ) Tj ET Q q 0 0 0 rg BT 474.88 387.90 Td (in ) Tj ET Q q 0 0 0 rg BT 486.62 387.90 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 387.90 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 373.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 373.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 356.51 cm /I31 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 359.10 Td (Accounts) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 149.32 364.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 153.22 359.10 Td ( ) Tj ET Q q 0 0 0 rg BT 155.33 359.10 Td (totaled ) Tj ET Q q 0 0 0 rg BT 190.10 359.10 Td (29.4million, ) Tj ET Q q 0 0 0 rg BT 253.88 359.10 Td (up ) Tj ET Q q 0 0 0 rg BT 267.99 359.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 286.10 359.10 Td (from ) Tj ET Q q 0 0 0 rg BT 311.53 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.30 359.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 353.74 359.10 Td (year ) Tj ET Q q 0 0 0 rg BT 376.50 359.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.94 359.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 414.04 359.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 463.46 359.10 Td (with ) Tj ET Q q 0 0 0 rg BT 486.90 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.67 359.10 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 344.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.50 344.70 Td (, ) Tj ET Q q 0 0 0 rg BT 143.50 344.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 192.47 344.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 226.13 344.70 Td (customer ) Tj ET Q q 0 0 0 rg BT 273.11 344.70 Td (retention.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 327.71 cm /I32 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 330.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 330.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.11 330.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 193.14 330.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 237.16 330.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 265.85 330.30 Td (were ) Tj ET Q q 0 0 0 rg BT 292.53 330.30 Td ($18.6billion, ) Tj ET Q q 0 0 0 rg BT 360.22 330.30 Td (up ) Tj ET Q q 0 0 0 rg BT 375.58 330.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 394.94 330.30 Td (from ) Tj ET Q q 0 0 0 rg BT 421.62 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 439.64 330.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.32 330.30 Td (year ) Tj ET Q q 0 0 0 rg BT 490.33 330.30 Td (and ) Tj ET Q q 0 0 0 rg BT 511.02 330.30 Td (flat ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 315.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.82 315.90 Td (with ) Tj ET Q q 0 0 0 rg BT 179.66 315.90 Td (the ) Tj ET Q q 0 0 0 rg BT 197.83 315.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 224.67 315.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 257.98 315.90 Td (. ) Tj ET Q q 0 0 0 rg BT 264.49 315.90 Td (Originations ) Tj ET Q q 0 0 0 rg BT 328.00 315.90 Td (were ) Tj ET Q q 0 0 0 rg BT 354.82 315.90 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 379.33 315.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 417.18 315.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 436.68 315.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 487.50 315.90 Td (with ) Tj ET Q q 0 0 0 rg BT 512.34 315.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 301.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 301.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 167.30 301.50 Td (and ) Tj ET Q q 0 0 0 rg BT 187.63 301.50 Td (down ) Tj ET Q q 0 0 0 rg BT 217.30 301.50 Td (15% ) Tj ET Q q 0 0 0 rg BT 242.29 301.50 Td (from ) Tj ET Q q 0 0 0 rg BT 268.62 301.50 Td (the ) Tj ET Q q 0 0 0 rg BT 286.28 301.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 312.61 301.50 Td (year) Tj ET Q q 0 0 0 rg BT 332.59 301.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 284.51 cm /I33 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 287.10 Td (Chase ) Tj ET Q q 0 0 0 rg BT 136.65 287.10 Td (Private ) Tj ET Q q 0 0 0 rg BT 173.96 287.10 Td (Client ) Tj ET Q q 0 0 0 rg BT 206.61 287.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 253.25 287.10 Td (totaled ) Tj ET Q q 0 0 0 rg BT 289.22 287.10 Td (2,149, ) Tj ET Q q 0 0 0 rg BT 322.54 287.10 Td (an ) Tj ET Q q 0 0 0 rg BT 337.19 287.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 379.81 287.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.13 287.10 Td (931 ) Tj ET Q q 0 0 0 rg BT 414.45 287.10 Td (from ) Tj ET Q q 0 0 0 rg BT 441.09 287.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.07 287.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 485.72 287.10 Td (year ) Tj ET Q q 0 0 0 rg BT 509.69 287.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 272.70 Td (201 ) Tj ET Q q 0 0 0 rg BT 125.00 272.70 Td (from ) Tj ET Q q 0 0 0 rg BT 151.33 272.70 Td (the ) Tj ET Q q 0 0 0 rg BT 168.99 272.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 195.31 272.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 228.63 272.70 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 246.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 102.99 246.30 Td (Banking) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 146.35 246.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 148.87 246.30 Td (net ) Tj ET Q q 0 0 0 rg BT 166.54 246.30 Td (income ) Tj ET Q q 0 0 0 rg BT 204.88 246.30 Td (was ) Tj ET Q q 0 0 0 rg BT 226.56 246.30 Td ($562 ) Tj ET Q q 0 0 0 rg BT 253.58 246.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 294.27 246.30 Td (an ) Tj ET Q q 0 0 0 rg BT 308.61 246.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 350.93 246.30 Td (of ) Tj ET Q q 0 0 0 rg BT 363.95 246.30 Td ($144 ) Tj ET Q q 0 0 0 rg BT 390.96 246.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 431.65 246.30 Td (or ) Tj ET Q q 0 0 0 rg BT 444.67 246.30 Td (34%, ) Tj ET Q q 0 0 0 rg BT 472.68 246.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 523.00 246.30 Td (with ) Tj ET Q q 0 0 0 rg BT 547.36 246.30 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 231.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 75.43 231.90 Td (year) Tj ET Q q 0 0 0 rg BT 95.59 231.90 Td (, ) Tj ET Q q 0 0 0 rg BT 100.70 231.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 133.45 231.90 Td (by ) Tj ET Q q 0 0 0 rg BT 147.55 231.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 176.98 231.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 232.40 231.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 273.15 231.90 Td (and ) Tj ET Q q 0 0 0 rg BT 292.57 231.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 340.01 231.90 Td (for ) Tj ET Q q 0 0 0 rg BT 356.10 231.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.52 231.90 Td (losses, ) Tj ET Q q 0 0 0 rg BT 419.29 231.90 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 491.37 231.90 Td (of) Tj ET Q q 0 0 0 rg BT 501.15 231.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 520.58 231.90 Td (by ) Tj ET Q q 0 0 0 rg BT 534.68 231.90 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 217.50 Td (net ) Tj ET Q q 0 0 0 rg BT 67.66 217.50 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 197.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.63 197.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.91 197.10 Td (was ) Tj ET Q q 0 0 0 rg BT 133.88 197.10 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 158.18 197.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 195.82 197.10 Td (a ) Tj ET Q q 0 0 0 rg BT 204.45 197.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 249.05 197.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.36 197.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 286.66 197.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 321.30 197.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 371.91 197.10 Td (with ) Tj ET Q q 0 0 0 rg BT 396.55 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.52 197.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.15 197.10 Td (year) Tj ET Q q 0 0 0 rg BT 461.13 197.10 Td (. ) Tj ET Q q 0 0 0 rg BT 467.44 197.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.07 197.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.70 197.10 Td (income ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 182.70 Td (was ) Tj ET Q q 0 0 0 rg BT 72.18 182.70 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 96.70 182.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 134.56 182.70 Td (a ) Tj ET Q q 0 0 0 rg BT 143.40 182.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 188.22 182.70 Td (of ) Tj ET Q q 0 0 0 rg BT 201.74 182.70 Td ($58 ) Tj ET Q q 0 0 0 rg BT 223.26 182.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 264.45 182.70 Td (or ) Tj ET Q q 0 0 0 rg BT 277.96 182.70 Td (5%, ) Tj ET Q q 0 0 0 rg BT 300.48 182.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 334.66 182.70 Td (by ) Tj ET Q q 0 0 0 rg BT 350.18 182.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 381.02 182.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 405.20 182.70 Td (balances ) Tj ET Q q 0 0 0 rg BT 450.03 182.70 Td (due ) Tj ET Q q 0 0 0 rg BT 470.87 182.70 Td (to ) Tj ET Q q 0 0 0 rg BT 483.73 182.70 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 529.24 182.70 Td (runof) Tj ET Q q 0 0 0 rg BT 555.02 182.70 Td (f. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 168.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.95 168.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 149.90 168.30 Td (was ) Tj ET Q q 0 0 0 rg BT 171.53 168.30 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 195.49 168.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.80 168.30 Td (a ) Tj ET Q q 0 0 0 rg BT 241.09 168.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 285.36 168.30 Td (of ) Tj ET Q q 0 0 0 rg BT 298.32 168.30 Td ($1.0billion, ) Tj ET Q q 0 0 0 rg BT 359.62 168.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 393.25 168.30 Td (by ) Tj ET Q q 0 0 0 rg BT 408.22 168.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 438.51 168.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 486.79 168.30 Td (fees ) Tj ET Q q 0 0 0 rg BT 509.08 168.30 Td (and ) Tj ET Q q 0 0 0 rg BT 529.37 168.30 Td (related ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 153.90 Td (income.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 133.50 Td (The ) Tj ET Q q 0 0 0 rg BT 71.98 133.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.64 133.50 Td (for ) Tj ET Q q 0 0 0 rg BT 137.96 133.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.61 133.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.60 133.50 Td (was ) Tj ET Q q 0 0 0 rg BT 222.59 133.50 Td (a ) Tj ET Q q 0 0 0 rg BT 231.24 133.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 267.89 133.50 Td (of ) Tj ET Q q 0 0 0 rg BT 281.21 133.50 Td ($782 ) Tj ET Q q 0 0 0 rg BT 308.54 133.50 Td (million) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 343.21 138.94 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 347.11 133.50 Td (, ) Tj ET Q q 0 0 0 rg BT 353.43 133.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 404.07 133.50 Td (with ) Tj ET Q q 0 0 0 rg BT 428.73 133.50 Td (a ) Tj ET Q q 0 0 0 rg BT 437.38 133.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 474.02 133.50 Td (of ) Tj ET Q q 0 0 0 rg BT 487.35 133.50 Td ($269 ) Tj ET Q q 0 0 0 rg BT 514.67 133.50 Td (million ) Tj ET Q q 0 0 0 rg BT 552.67 133.50 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 119.10 Td (the ) Tj ET Q q 0 0 0 rg BT 67.48 119.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 93.62 119.10 Td (year) Tj ET Q q 0 0 0 rg BT 113.61 119.10 Td (. ) Tj ET Q q 0 0 0 rg BT 119.22 119.10 Td (The ) Tj ET Q q 0 0 0 rg BT 140.70 119.10 Td (current ) Tj ET Q q 0 0 0 rg BT 177.50 119.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 214.29 119.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 259.08 119.10 Td (a ) Tj ET Q q 0 0 0 rg BT 267.22 119.10 Td ($950 ) Tj ET Q q 0 0 0 rg BT 294.04 119.10 Td (million ) Tj ET Q q 0 0 0 rg BT 331.53 119.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 379.66 119.10 Td (in ) Tj ET Q q 0 0 0 rg BT 391.81 119.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.29 119.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 460.75 119.10 Td (for ) Tj ET Q q 0 0 0 rg BT 477.56 119.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 501.04 119.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 532.53 119.10 Td (due ) Tj ET Q q 0 0 0 rg BT 552.67 119.10 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 104.70 Td (continued ) Tj ET Q q 0 0 0 rg BT 99.94 104.70 Td (improvement ) Tj ET Q q 0 0 0 rg BT 166.54 104.70 Td (in ) Tj ET Q q 0 0 0 rg BT 178.50 104.70 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 247.09 104.70 Td (and ) Tj ET Q q 0 0 0 rg BT 267.04 104.70 Td (home ) Tj ET Q q 0 0 0 rg BT 296.32 104.70 Td (prices. ) Tj ET Q q 0 0 0 rg BT 330.40 104.70 Td (The ) Tj ET Q q 0 0 0 rg BT 351.67 104.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 377.62 104.70 Td (year ) Tj ET Q q 0 0 0 rg BT 400.89 104.70 Td (included ) Tj ET Q q 0 0 0 rg BT 444.83 104.70 Td (a ) Tj ET Q q 0 0 0 rg BT 452.77 104.70 Td ($700 ) Tj ET Q q 0 0 0 rg BT 479.39 104.70 Td (million ) Tj ET Q q 0 0 0 rg BT 516.68 104.70 Td (reduction ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 90.30 Td (in ) Tj ET Q q 0 0 0 rg BT 61.80 90.30 Td (the ) Tj ET Q q 0 0 0 rg BT 78.92 90.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 130.03 90.30 Td (for ) Tj ET Q q 0 0 0 rg BT 146.49 90.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 169.61 90.30 Td (losses. ) Tj ET Q q 0 0 0 rg BT 203.75 90.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 223.54 90.30 Td (char) Tj ET Q q 0 0 0 rg BT 243.97 90.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 269.07 90.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 280.20 90.30 Td (were ) Tj ET Q q 0 0 0 rg BT 305.98 90.30 Td ($168 ) Tj ET Q q 0 0 0 rg BT 332.45 90.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 372.58 90.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 422.36 90.30 Td (with ) Tj ET Q q 0 0 0 rg BT 446.16 90.30 Td ($431 ) Tj ET Q q 0 0 0 rg BT 472.62 90.30 Td (million ) Tj ET Q q 0 0 0 rg BT 509.76 90.30 Td (in ) Tj ET Q q 0 0 0 rg BT 521.56 90.30 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 90.30 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 75.90 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 75.90 Td (.) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.85 740.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.37 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 171.90 740.70 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 195.77 740.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.97 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 241.17 740.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 285.33 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 298.20 740.70 Td ($809 ) Tj ET Q q 0 0 0 rg BT 325.07 740.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 365.60 740.70 Td (or ) Tj ET Q q 0 0 0 rg BT 378.47 740.70 Td (28%, ) Tj ET Q q 0 0 0 rg BT 406.33 740.70 Td (from ) Tj ET Q q 0 0 0 rg BT 432.53 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 450.05 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 476.25 740.70 Td (year) Tj ET Q q 0 0 0 rg BT 496.42 740.70 Td (, ) Tj ET Q q 0 0 0 rg BT 502.29 740.70 Td (due ) Tj ET Q q 0 0 0 rg BT 522.48 740.70 Td (to ) Tj ET Q q 0 0 0 rg BT 534.68 740.70 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (servicing ) Tj ET Q q 0 0 0 rg BT 96.99 726.30 Td (expense.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 708.30 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 693.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 100.48 693.90 Td (Production) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 155.83 693.90 Td ( ) Tj ET Q q 0 0 0 rg BT 158.31 693.90 Td (pretax ) Tj ET Q q 0 0 0 rg BT 190.78 693.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 211.94 693.90 Td (was ) Tj ET Q q 0 0 0 rg BT 233.08 693.90 Td ($274million, ) Tj ET Q q 0 0 0 rg BT 300.24 693.90 Td (a ) Tj ET Q q 0 0 0 rg BT 308.05 693.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 351.83 693.90 Td (of ) Tj ET Q q 0 0 0 rg BT 364.31 693.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 387.79 693.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 421.61 693.90 Td (from ) Tj ET Q q 0 0 0 rg BT 447.42 693.90 Td (the ) Tj ET Q q 0 0 0 rg BT 464.57 693.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.38 693.90 Td (year) Tj ET Q q 0 0 0 rg BT 510.55 693.90 Td (, ) Tj ET Q q 0 0 0 rg BT 516.03 693.90 Td (reflecting ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 679.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 79.15 679.50 Td (volumes, ) Tj ET Q q 0 0 0 rg BT 124.64 679.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 153.79 679.50 Td (mar) Tj ET Q q 0 0 0 rg BT 172.23 679.50 Td (gins ) Tj ET Q q 0 0 0 rg BT 194.06 679.50 Td (and ) Tj ET Q q 0 0 0 rg BT 213.22 679.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 245.70 679.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 270.85 679.50 Td (expense, ) Tj ET Q q 0 0 0 rg BT 314.33 679.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 356.14 679.50 Td (of) Tj ET Q q 0 0 0 rg BT 365.92 679.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 385.07 679.50 Td (by ) Tj ET Q q 0 0 0 rg BT 398.90 679.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 428.05 679.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 481.85 679.50 Td (losses. ) Tj ET Q q 0 0 0 rg BT 515.35 679.50 Td (Mortgage ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 665.10 Td (production-related ) Tj ET Q q 0 0 0 rg BT 142.48 665.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 187.30 665.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 238.46 665.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 294.28 665.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 329.79 665.10 Td (was ) Tj ET Q q 0 0 0 rg BT 352.30 665.10 Td ($494 ) Tj ET Q q 0 0 0 rg BT 380.15 665.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 421.67 665.10 Td (a ) Tj ET Q q 0 0 0 rg BT 430.84 665.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 475.98 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 489.83 665.10 Td ($1.1billion, ) Tj ET Q q 0 0 0 rg BT 552.01 665.10 Td (or ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 650.70 Td (69%, ) Tj ET Q q 0 0 0 rg BT 77.10 650.70 Td (from ) Tj ET Q q 0 0 0 rg BT 102.52 650.70 Td (the ) Tj ET Q q 0 0 0 rg BT 119.28 650.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 144.71 650.70 Td (year) Tj ET Q q 0 0 0 rg BT 164.88 650.70 Td (, ) Tj ET Q q 0 0 0 rg BT 169.98 650.70 Td (lar) Tj ET Q q 0 0 0 rg BT 182.42 650.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 205.18 650.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 253.25 650.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 282.68 650.70 Td (volumes ) Tj ET Q q 0 0 0 rg BT 325.44 650.70 Td (and ) Tj ET Q q 0 0 0 rg BT 344.87 650.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 374.29 650.70 Td (mar) Tj ET Q q 0 0 0 rg BT 392.73 650.70 Td (gins. ) Tj ET Q q 0 0 0 rg BT 417.83 650.70 Td (Production ) Tj ET Q q 0 0 0 rg BT 472.60 650.70 Td (expense) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 511.25 656.14 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 515.15 650.70 Td ( ) Tj ET Q q 0 0 0 rg BT 517.25 650.70 Td (was ) Tj ET Q q 0 0 0 rg BT 538.01 650.70 Td ($989 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 636.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 92.05 636.30 Td (an ) Tj ET Q q 0 0 0 rg BT 107.76 636.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 151.45 636.30 Td (of ) Tj ET Q q 0 0 0 rg BT 165.83 636.30 Td ($1) Tj ET Q q 0 0 0 rg BT 177.38 636.30 Td (13million ) Tj ET Q q 0 0 0 rg BT 231.44 636.30 Td (from ) Tj ET Q q 0 0 0 rg BT 259.14 636.30 Td (the ) Tj ET Q q 0 0 0 rg BT 278.19 636.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 305.90 636.30 Td (year) Tj ET Q q 0 0 0 rg BT 326.06 636.30 Td (, ) Tj ET Q q 0 0 0 rg BT 333.45 636.30 Td (due ) Tj ET Q q 0 0 0 rg BT 355.16 636.30 Td (to ) Tj ET Q q 0 0 0 rg BT 368.87 636.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 403.91 636.30 Td (non-MBS ) Tj ET Q q 0 0 0 rg BT 455.64 636.30 Td (related ) Tj ET Q q 0 0 0 rg BT 492.66 636.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 520.37 636.30 Td (expense, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 621.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 93.10 621.90 Td (of) Tj ET Q q 0 0 0 rg BT 102.88 621.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 123.33 621.90 Td (by ) Tj ET Q q 0 0 0 rg BT 138.45 621.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 168.89 621.90 Td (compensation-related ) Tj ET Q q 0 0 0 rg BT 275.30 621.90 Td (expense. ) Tj ET Q q 0 0 0 rg BT 320.07 621.90 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 379.17 621.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 410.96 621.90 Td (for ) Tj ET Q q 0 0 0 rg BT 428.07 621.90 Td (the ) Tj ET Q q 0 0 0 rg BT 445.85 621.90 Td (current ) Tj ET Q q 0 0 0 rg BT 482.95 621.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 520.04 621.90 Td (reflected ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 607.50 Td (a ) Tj ET Q q 0 0 0 rg BT 59.02 607.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 96.03 607.50 Td (of ) Tj ET Q q 0 0 0 rg BT 109.71 607.50 Td ($221 ) Tj ET Q q 0 0 0 rg BT 137.40 607.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 178.77 607.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 229.77 607.50 Td (with ) Tj ET Q q 0 0 0 rg BT 254.79 607.50 Td (a ) Tj ET Q q 0 0 0 rg BT 263.81 607.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 300.82 607.50 Td (of ) Tj ET Q q 0 0 0 rg BT 314.50 607.50 Td ($53 ) Tj ET Q q 0 0 0 rg BT 336.20 607.50 Td (million ) Tj ET Q q 0 0 0 rg BT 374.56 607.50 Td (in ) Tj ET Q q 0 0 0 rg BT 387.58 607.50 Td (the ) Tj ET Q q 0 0 0 rg BT 405.93 607.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 432.95 607.50 Td (year ) Tj ET Q q 0 0 0 rg BT 457.29 607.50 Td (and ) Tj ET Q q 0 0 0 rg BT 478.31 607.50 Td (a ) Tj ET Q q 0 0 0 rg BT 487.33 607.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 524.33 607.50 Td (of ) Tj ET Q q 0 0 0 rg BT 538.02 607.50 Td ($175 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 593.10 Td (million ) Tj ET Q q 0 0 0 rg BT 88.92 593.10 Td (in ) Tj ET Q q 0 0 0 rg BT 102.51 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.43 593.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 149.01 593.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 182.32 593.10 Td (. ) Tj ET Q q 0 0 0 rg BT 189.27 593.10 Td (The ) Tj ET Q q 0 0 0 rg BT 212.18 593.10 Td (current ) Tj ET Q q 0 0 0 rg BT 250.41 593.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 288.64 593.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 334.86 593.10 Td (a ) Tj ET Q q 0 0 0 rg BT 344.44 593.10 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 369.70 593.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 405.29 593.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 454.86 593.10 Td (in ) Tj ET Q q 0 0 0 rg BT 468.44 593.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 524.67 593.10 Td (liability ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 578.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 97.40 578.70 Td (as ) Tj ET Q q 0 0 0 rg BT 110.13 578.70 Td (a ) Tj ET Q q 0 0 0 rg BT 118.20 578.70 Td (result ) Tj ET Q q 0 0 0 rg BT 147.61 578.70 Td (of ) Tj ET Q q 0 0 0 rg BT 160.34 578.70 Td (the ) Tj ET Q q 0 0 0 rg BT 177.75 578.70 Td (settlement ) Tj ET Q q 0 0 0 rg BT 229.81 578.70 Td (with ) Tj ET Q q 0 0 0 rg BT 253.88 578.70 Td (the ) Tj ET Q q 0 0 0 rg BT 271.29 578.70 Td (GSEs ) Tj ET Q q 0 0 0 rg BT 301.37 578.70 Td (for ) Tj ET Q q 0 0 0 rg BT 318.10 578.70 Td (claims ) Tj ET Q q 0 0 0 rg BT 352.17 578.70 Td (associated ) Tj ET Q q 0 0 0 rg BT 404.22 578.70 Td (with ) Tj ET Q q 0 0 0 rg BT 428.30 578.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 456.37 578.70 Td (sold ) Tj ET Q q 0 0 0 rg BT 479.12 578.70 Td (to ) Tj ET Q q 0 0 0 rg BT 491.19 578.70 Td (the ) Tj ET Q q 0 0 0 rg BT 508.60 578.70 Td (GSEs ) Tj ET Q q 0 0 0 rg BT 538.68 578.70 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 564.30 Td (2000 ) Tj ET Q q 0 0 0 rg BT 77.36 564.30 Td (to ) Tj ET Q q 0 0 0 rg BT 90.05 564.30 Td (2008, ) Tj ET Q q 0 0 0 rg BT 120.41 564.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 171.08 564.30 Td (with ) Tj ET Q q 0 0 0 rg BT 195.77 564.30 Td (a ) Tj ET Q q 0 0 0 rg BT 204.46 564.30 Td ($249 ) Tj ET Q q 0 0 0 rg BT 231.81 564.30 Td (million ) Tj ET Q q 0 0 0 rg BT 269.84 564.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 318.52 564.30 Td (in ) Tj ET Q q 0 0 0 rg BT 331.21 564.30 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 386.54 564.30 Td (liability ) Tj ET Q q 0 0 0 rg BT 427.23 564.30 Td (in ) Tj ET Q q 0 0 0 rg BT 439.92 564.30 Td (the ) Tj ET Q q 0 0 0 rg BT 457.94 564.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 484.62 564.30 Td (year ) Tj ET Q q 0 0 0 rg BT 508.63 564.30 Td (and ) Tj ET Q q 0 0 0 rg BT 529.32 564.30 Td (a ) Tj ET Q q 0 0 0 rg BT 538.00 564.30 Td ($300 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 549.90 Td (million ) Tj ET Q q 0 0 0 rg BT 87.67 549.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 135.99 549.90 Td (in ) Tj ET Q q 0 0 0 rg BT 148.32 549.90 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 203.29 549.90 Td (liability ) Tj ET Q q 0 0 0 rg BT 243.62 549.90 Td (in ) Tj ET Q q 0 0 0 rg BT 255.95 549.90 Td (the ) Tj ET Q q 0 0 0 rg BT 273.61 549.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 299.94 549.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 333.25 549.90 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 523.50 Td (Mortgage Servicing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 150.66 523.50 Td (pretax income was $2 million, compared with a pretax loss of $913 million in the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 509.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 96.49 509.10 Td (, reflecting lower expense and higher revenue. Mortgage net servicing-related revenue was $689 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 494.70 Td (million, an increase of $71 million. MSR risk management was a loss of $24 million, compared with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 480.30 Td (income of $42 million in the prior year) Tj ET Q q 0 0 0 rg BT 236.29 480.30 Td (. Servicing expense was $663 million, a decrease of $910 million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 465.90 Td (from the prior year) Tj ET Q q 0 0 0 rg BT 140.48 465.90 Td (, reflecting lower costs associated with the Independent Foreclosure Review and lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 451.50 Td (servicing headcount.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 425.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 425.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 425.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 425.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 425.10 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 416.14 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 393.71 cm /I34 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.00 396.30 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 396.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 152.79 396.30 Td (application ) Tj ET Q q 0 0 0 rg BT 208.24 396.30 Td (volumes ) Tj ET Q q 0 0 0 rg BT 251.04 396.30 Td (were ) Tj ET Q q 0 0 0 rg BT 276.49 396.30 Td ($31.3 ) Tj ET Q q 0 0 0 rg BT 305.63 396.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 342.10 396.30 Td (down ) Tj ET Q q 0 0 0 rg BT 370.91 396.30 Td (52% ) Tj ET Q q 0 0 0 rg BT 395.04 396.30 Td (from ) Tj ET Q q 0 0 0 rg BT 420.50 396.30 Td (the ) Tj ET Q q 0 0 0 rg BT 437.30 396.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 462.77 396.30 Td (year ) Tj ET Q q 0 0 0 rg BT 485.55 396.30 Td (and ) Tj ET Q q 0 0 0 rg BT 505.01 396.30 Td (23% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 381.90 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 381.90 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 381.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 381.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 381.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 364.91 cm /I35 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 367.50 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.42 367.50 Td (total ) Tj ET Q q 0 0 0 rg BT 183.51 367.50 Td (third-party ) Tj ET Q q 0 0 0 rg BT 237.60 367.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 285.68 367.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 313.78 367.50 Td (serviced ) Tj ET Q q 0 0 0 rg BT 356.52 367.50 Td (were ) Tj ET Q q 0 0 0 rg BT 382.61 367.50 Td ($815.5 ) Tj ET Q q 0 0 0 rg BT 418.37 367.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 455.48 367.50 Td (down ) Tj ET Q q 0 0 0 rg BT 484.91 367.50 Td (5% ) Tj ET Q q 0 0 0 rg BT 503.67 367.50 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 353.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 353.10 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 353.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 353.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 210.96 353.10 Td (from ) Tj ET Q q 0 0 0 rg BT 237.28 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.94 353.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.27 353.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 314.59 353.10 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 326.70 Td (Real ) Tj ET Q q 0 0 0 rg BT 75.60 326.70 Td (Estate ) Tj ET Q q 0 0 0 rg BT 109.20 326.70 Td (Portfolios) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 157.87 326.70 Td ( ) Tj ET Q q 0 0 0 rg BT 160.81 326.70 Td (pretax ) Tj ET Q q 0 0 0 rg BT 193.72 326.70 Td (income ) Tj ET Q q 0 0 0 rg BT 231.98 326.70 Td (was ) Tj ET Q q 0 0 0 rg BT 253.58 326.70 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 277.51 326.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 314.79 326.70 Td (up ) Tj ET Q q 0 0 0 rg BT 329.72 326.70 Td ($410million ) Tj ET Q q 0 0 0 rg BT 394.33 326.70 Td (from ) Tj ET Q q 0 0 0 rg BT 420.59 326.70 Td (the ) Tj ET Q q 0 0 0 rg BT 438.18 326.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 464.45 326.70 Td (year) Tj ET Q q 0 0 0 rg BT 484.61 326.70 Td (, ) Tj ET Q q 0 0 0 rg BT 490.55 326.70 Td (due ) Tj ET Q q 0 0 0 rg BT 510.81 326.70 Td (to ) Tj ET Q q 0 0 0 rg BT 523.08 326.70 Td (a ) Tj ET Q q 0 0 0 rg BT 531.34 326.70 Td (higher ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 312.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 86.32 312.30 Td (from ) Tj ET Q q 0 0 0 rg BT 112.64 312.30 Td (the ) Tj ET Q q 0 0 0 rg BT 130.30 312.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 178.64 312.30 Td (for ) Tj ET Q q 0 0 0 rg BT 195.63 312.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 225.95 312.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 260.62 312.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 303.60 312.30 Td (of) Tj ET Q q 0 0 0 rg BT 313.38 312.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 333.71 312.30 Td (by ) Tj ET Q q 0 0 0 rg BT 348.71 312.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 379.03 312.30 Td (net ) Tj ET Q q 0 0 0 rg BT 396.69 312.30 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 291.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.57 291.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.79 291.90 Td (was ) Tj ET Q q 0 0 0 rg BT 133.70 291.90 Td ($850 ) Tj ET Q q 0 0 0 rg BT 160.95 291.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 201.86 291.90 Td (a ) Tj ET Q q 0 0 0 rg BT 210.44 291.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 254.98 291.90 Td (of ) Tj ET Q q 0 0 0 rg BT 268.22 291.90 Td ($1) Tj ET Q q 0 0 0 rg BT 279.78 291.90 Td (15million, ) Tj ET Q q 0 0 0 rg BT 335.69 291.90 Td (or ) Tj ET Q q 0 0 0 rg BT 348.93 291.90 Td (12%, ) Tj ET Q q 0 0 0 rg BT 377.18 291.90 Td (from ) Tj ET Q q 0 0 0 rg BT 403.75 291.90 Td (the ) Tj ET Q q 0 0 0 rg BT 421.65 291.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 448.23 291.90 Td (year) Tj ET Q q 0 0 0 rg BT 468.21 291.90 Td (. ) Tj ET Q q 0 0 0 rg BT 474.22 291.90 Td (This ) Tj ET Q q 0 0 0 rg BT 498.80 291.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 543.35 291.90 Td (was ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 277.50 Td (due ) Tj ET Q q 0 0 0 rg BT 70.50 277.50 Td (to ) Tj ET Q q 0 0 0 rg BT 83.01 277.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 113.51 277.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 170.01 277.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 211.16 277.50 Td (due ) Tj ET Q q 0 0 0 rg BT 231.67 277.50 Td (to ) Tj ET Q q 0 0 0 rg BT 244.18 277.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 278.01 277.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 301.85 277.50 Td (retention ) Tj ET Q q 0 0 0 rg BT 347.68 277.50 Td (and ) Tj ET Q q 0 0 0 rg BT 368.18 277.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 398.68 277.50 Td (net ) Tj ET Q q 0 0 0 rg BT 416.52 277.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 455.01 277.50 Td (income ) Tj ET Q q 0 0 0 rg BT 493.51 277.50 Td (resulting ) Tj ET Q q 0 0 0 rg BT 538.68 277.50 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 263.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.32 263.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 103.98 263.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 148.29 263.10 Td (due ) Tj ET Q q 0 0 0 rg BT 168.62 263.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.95 263.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 225.95 263.10 Td (runof) Tj ET Q q 0 0 0 rg BT 251.72 263.10 Td (f.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 242.70 Td (The ) Tj ET Q q 0 0 0 rg BT 71.22 242.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.11 242.70 Td (for ) Tj ET Q q 0 0 0 rg BT 135.67 242.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 165.55 242.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 196.78 242.70 Td (was ) Tj ET Q q 0 0 0 rg BT 218.00 242.70 Td (a ) Tj ET Q q 0 0 0 rg BT 225.89 242.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 261.77 242.70 Td (of ) Tj ET Q q 0 0 0 rg BT 274.33 242.70 Td ($783 ) Tj ET Q q 0 0 0 rg BT 300.89 242.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 341.12 242.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 390.99 242.70 Td (with ) Tj ET Q q 0 0 0 rg BT 414.89 242.70 Td (a ) Tj ET Q q 0 0 0 rg BT 422.78 242.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 458.65 242.70 Td (of ) Tj ET Q q 0 0 0 rg BT 471.21 242.70 Td ($283million ) Tj ET Q q 0 0 0 rg BT 535.44 242.70 Td (in ) Tj ET Q q 0 0 0 rg BT 547.34 242.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 228.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 75.97 228.30 Td (year) Tj ET Q q 0 0 0 rg BT 95.96 228.30 Td (. ) Tj ET Q q 0 0 0 rg BT 101.42 228.30 Td (The ) Tj ET Q q 0 0 0 rg BT 122.72 228.30 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 197.32 228.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 245.30 228.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 289.91 228.30 Td (a ) Tj ET Q q 0 0 0 rg BT 297.88 228.30 Td ($950 ) Tj ET Q q 0 0 0 rg BT 324.53 228.30 Td (million ) Tj ET Q q 0 0 0 rg BT 361.85 228.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 409.81 228.30 Td (in ) Tj ET Q q 0 0 0 rg BT 421.79 228.30 Td (the ) Tj ET Q q 0 0 0 rg BT 439.10 228.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 490.39 228.30 Td (for ) Tj ET Q q 0 0 0 rg BT 507.02 228.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 530.33 228.30 Td (losses, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 213.90 Td ($750 ) Tj ET Q q 0 0 0 rg BT 76.94 213.90 Td (million ) Tj ET Q q 0 0 0 rg BT 114.54 213.90 Td (from ) Tj ET Q q 0 0 0 rg BT 140.80 213.90 Td (the ) Tj ET Q q 0 0 0 rg BT 158.40 213.90 Td (purchased ) Tj ET Q q 0 0 0 rg BT 209.98 213.90 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 286.88 213.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 338.45 213.90 Td (and ) Tj ET Q q 0 0 0 rg BT 358.71 213.90 Td ($200 ) Tj ET Q q 0 0 0 rg BT 385.65 213.90 Td (million ) Tj ET Q q 0 0 0 rg BT 423.25 213.90 Td (from ) Tj ET Q q 0 0 0 rg BT 449.52 213.90 Td (the ) Tj ET Q q 0 0 0 rg BT 467.11 213.90 Td (non ) Tj ET Q q 0 0 0 rg BT 488.05 213.90 Td (credit-impaired ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 199.50 Td (allowance, ) Tj ET Q q 0 0 0 rg BT 105.34 199.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 155.01 199.50 Td (continued ) Tj ET Q q 0 0 0 rg BT 206.03 199.50 Td (improvement ) Tj ET Q q 0 0 0 rg BT 273.71 199.50 Td (in ) Tj ET Q q 0 0 0 rg BT 286.74 199.50 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 356.42 199.50 Td (and ) Tj ET Q q 0 0 0 rg BT 377.44 199.50 Td (home ) Tj ET Q q 0 0 0 rg BT 407.80 199.50 Td (prices. ) Tj ET Q q 0 0 0 rg BT 442.89 199.50 Td (The ) Tj ET Q q 0 0 0 rg BT 465.24 199.50 Td (prior) Tj ET Q q 0 0 0 rg BT 488.33 199.50 Td (-year ) Tj ET Q q 0 0 0 rg BT 516.67 199.50 Td (provision ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 185.10 Td (included ) Tj ET Q q 0 0 0 rg BT 94.24 185.10 Td (a ) Tj ET Q q 0 0 0 rg BT 102.49 185.10 Td ($700 ) Tj ET Q q 0 0 0 rg BT 129.41 185.10 Td (million ) Tj ET Q q 0 0 0 rg BT 167.01 185.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 215.24 185.10 Td (in ) Tj ET Q q 0 0 0 rg BT 227.50 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.08 185.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 296.64 185.10 Td (for ) Tj ET Q q 0 0 0 rg BT 313.56 185.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 337.14 185.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 368.73 185.10 Td (from ) Tj ET Q q 0 0 0 rg BT 394.98 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.56 185.10 Td (non ) Tj ET Q q 0 0 0 rg BT 433.49 185.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 510.37 185.10 Td (allowance. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 170.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.33 170.70 Td (char) Tj ET Q q 0 0 0 rg BT 90.77 170.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 115.87 170.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 127.54 170.70 Td (were ) Tj ET Q q 0 0 0 rg BT 153.87 170.70 Td ($167million, ) Tj ET Q q 0 0 0 rg BT 221.54 170.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 271.86 170.70 Td (with ) Tj ET Q q 0 0 0 rg BT 296.21 170.70 Td ($417 ) Tj ET Q q 0 0 0 rg BT 323.21 170.70 Td (million ) Tj ET Q q 0 0 0 rg BT 360.89 170.70 Td (in ) Tj ET Q q 0 0 0 rg BT 373.24 170.70 Td (the ) Tj ET Q q 0 0 0 rg BT 390.90 170.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 417.24 170.70 Td (year) Tj ET Q q 0 0 0 rg BT 437.23 170.70 Td (. ) Tj ET Q q 0 0 0 rg BT 443.23 170.70 Td (Home ) Tj ET Q q 0 0 0 rg BT 475.57 170.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 508.57 170.70 Td (net ) Tj ET Q q 0 0 0 rg BT 526.24 170.70 Td (char) Tj ET Q q 0 0 0 rg BT 546.67 170.70 Td (ge-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 156.30 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 156.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 70.46 156.30 Td (were ) Tj ET Q q 0 0 0 rg BT 95.78 156.30 Td ($179million ) Tj ET Q q 0 0 0 rg BT 159.46 156.30 Td (\(1.21% ) Tj ET Q q 0 0 0 rg BT 196.46 156.30 Td (net ) Tj ET Q q 0 0 0 rg BT 213.13 156.30 Td (char) Tj ET Q q 0 0 0 rg BT 233.56 156.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 258.66 156.30 Td (f ) Tj ET Q q 0 0 0 rg BT 264.67 156.30 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 282.65 161.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 286.55 156.30 Td (\), ) Tj ET Q q 0 0 0 rg BT 295.56 156.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 344.88 156.30 Td (with ) Tj ET Q q 0 0 0 rg BT 368.22 156.30 Td ($257 ) Tj ET Q q 0 0 0 rg BT 394.23 156.30 Td (million ) Tj ET Q q 0 0 0 rg BT 430.91 156.30 Td (\(1.49% ) Tj ET Q q 0 0 0 rg BT 467.91 156.30 Td (net ) Tj ET Q q 0 0 0 rg BT 484.58 156.30 Td (char) Tj ET Q q 0 0 0 rg BT 505.01 156.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 530.11 156.30 Td (f ) Tj ET Q q 0 0 0 rg BT 536.12 156.30 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 554.10 161.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 558.00 156.30 Td (\) ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 141.90 Td (in ) Tj ET Q q 0 0 0 rg BT 62.54 141.90 Td (the ) Tj ET Q q 0 0 0 rg BT 80.42 141.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 106.95 141.90 Td (year) Tj ET Q q 0 0 0 rg BT 126.94 141.90 Td (. ) Tj ET Q q 0 0 0 rg BT 133.15 141.90 Td (Subprime ) Tj ET Q q 0 0 0 rg BT 183.03 141.90 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 231.55 141.90 Td (net ) Tj ET Q q 0 0 0 rg BT 249.42 141.90 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 301.94 141.90 Td (were ) Tj ET Q q 0 0 0 rg BT 328.46 141.90 Td ($6million ) Tj ET Q q 0 0 0 rg BT 381.34 141.90 Td (\(0.33% ) Tj ET Q q 0 0 0 rg BT 419.54 141.90 Td (net ) Tj ET Q q 0 0 0 rg BT 437.42 141.90 Td (recovery ) Tj ET Q q 0 0 0 rg BT 482.60 141.90 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 500.58 147.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 504.48 141.90 Td (\), ) Tj ET Q q 0 0 0 rg BT 514.69 141.90 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 127.50 Td (with ) Tj ET Q q 0 0 0 rg BT 73.46 127.50 Td (net ) Tj ET Q q 0 0 0 rg BT 90.25 127.50 Td (char) Tj ET Q q 0 0 0 rg BT 110.69 127.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 135.79 127.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 146.58 127.50 Td (of ) Tj ET Q q 0 0 0 rg BT 158.71 127.50 Td ($92million ) Tj ET Q q 0 0 0 rg BT 216.51 127.50 Td (\(4.35% ) Tj ET Q q 0 0 0 rg BT 253.63 127.50 Td (net ) Tj ET Q q 0 0 0 rg BT 270.42 127.50 Td (char) Tj ET Q q 0 0 0 rg BT 290.85 127.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 315.95 127.50 Td (f ) Tj ET Q q 0 0 0 rg BT 322.08 127.50 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 340.06 132.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 343.96 127.50 Td (\). ) Tj ET Q q 0 0 0 rg BT 353.09 127.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 372.54 127.50 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 423.97 127.50 Td (of ) Tj ET Q q 0 0 0 rg BT 436.10 127.50 Td (prime ) Tj ET Q q 0 0 0 rg BT 466.22 127.50 Td (mortgage, ) Tj ET Q q 0 0 0 rg BT 516.67 127.50 Td (including ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 113.10 Td (option ) Tj ET Q q 0 0 0 rg BT 83.65 113.10 Td (ARMs, ) Tj ET Q q 0 0 0 rg BT 122.48 113.10 Td (were ) Tj ET Q q 0 0 0 rg BT 149.62 113.10 Td ($8million ) Tj ET Q q 0 0 0 rg BT 203.11 113.10 Td (\(0.06% ) Tj ET Q q 0 0 0 rg BT 241.93 113.10 Td (net ) Tj ET Q q 0 0 0 rg BT 260.41 113.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 306.20 113.10 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 324.19 118.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 328.09 113.10 Td (\), ) Tj ET Q q 0 0 0 rg BT 338.91 113.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 390.04 113.10 Td (with ) Tj ET Q q 0 0 0 rg BT 415.19 113.10 Td (net ) Tj ET Q q 0 0 0 rg BT 433.68 113.10 Td (char) Tj ET Q q 0 0 0 rg BT 454.11 113.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 479.21 113.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 491.70 113.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.52 113.10 Td ($66 ) Tj ET Q q 0 0 0 rg BT 527.34 113.10 Td (million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 98.70 Td (\(0.63% ) Tj ET Q q 0 0 0 rg BT 87.99 98.70 Td (net ) Tj ET Q q 0 0 0 rg BT 105.65 98.70 Td (char) Tj ET Q q 0 0 0 rg BT 126.08 98.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 151.19 98.70 Td (f ) Tj ET Q q 0 0 0 rg BT 158.18 98.70 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 176.16 104.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 180.06 98.70 Td (\).) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 78.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.99 78.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.63 78.30 Td (was ) Tj ET Q q 0 0 0 rg BT 172.30 78.30 Td ($41) Tj ET Q q 0 0 0 rg BT 189.85 78.30 Td (1million, ) Tj ET Q q 0 0 0 rg BT 239.52 78.30 Td (a ) Tj ET Q q 0 0 0 rg BT 247.85 78.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 292.14 78.30 Td (of ) Tj ET Q q 0 0 0 rg BT 305.14 78.30 Td ($25million, ) Tj ET Q q 0 0 0 rg BT 366.81 78.30 Td (or ) Tj ET Q q 0 0 0 rg BT 379.81 78.30 Td (6%, ) Tj ET Q q 0 0 0 rg BT 401.80 78.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 452.11 78.30 Td (with ) Tj ET Q q 0 0 0 rg BT 476.45 78.30 Td (the ) Tj ET Q q 0 0 0 rg BT 494.11 78.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 520.43 78.30 Td (year) Tj ET Q q 0 0 0 rg BT 540.42 78.30 Td (.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 740.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 740.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 740.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 740.90 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 731.94 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 731.94 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 731.94 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 731.94 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 731.94 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 731.94 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 731.94 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 731.94 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 731.94 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 731.94 Td (noted. ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 257.02 731.94 Td (A) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 261.65 731.94 Td (verage ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 284.81 731.94 Td (loans ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 304.10 731.94 Td (include ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 329.88 731.94 Td (PCI ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 344.83 731.94 Td (loans\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 709.51 cm /I36 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.00 712.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 712.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 152.81 712.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 195.63 712.10 Td (return ) Tj ET Q q 0 0 0 rg BT 226.45 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 240.61 712.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 272.76 712.10 Td (was ) Tj ET Q q 0 0 0 rg BT 293.58 712.10 Td (1) Tj ET Q q 0 0 0 rg BT 299.13 712.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 317.29 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 331.45 712.10 Td ($19.5billion ) Tj ET Q q 0 0 0 rg BT 394.94 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.10 712.10 Td (average ) Tj ET Q q 0 0 0 rg BT 446.56 712.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 492.03 712.10 Td (capital. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 695.11 cm /I37 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 697.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 697.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 697.70 Td (home ) Tj ET Q q 0 0 0 rg BT 176.41 697.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 209.40 697.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.73 697.70 Td (were ) Tj ET Q q 0 0 0 rg BT 264.05 697.70 Td ($78.0billion, ) Tj ET Q q 0 0 0 rg BT 331.38 697.70 Td (down ) Tj ET Q q 0 0 0 rg BT 361.05 697.70 Td ($1) Tj ET Q q 0 0 0 rg BT 372.61 697.70 Td (1.7 ) Tj ET Q q 0 0 0 rg BT 390.61 697.70 Td (billion.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 680.71 cm /I38 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 683.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 683.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 683.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 195.07 683.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.40 683.30 Td (were ) Tj ET Q q 0 0 0 rg BT 249.71 683.30 Td ($90.9 ) Tj ET Q q 0 0 0 rg BT 279.71 683.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 317.05 683.30 Td (up ) Tj ET Q q 0 0 0 rg BT 332.05 683.30 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 356.05 683.30 Td (billion. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 666.31 cm /I39 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 668.90 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 158.98 668.90 Td (for ) Tj ET Q q 0 0 0 rg BT 175.97 668.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.63 668.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 231.30 668.90 Td (was ) Tj ET Q q 0 0 0 rg BT 252.96 668.90 Td ($6.7 ) Tj ET Q q 0 0 0 rg BT 276.96 668.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 314.30 668.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 364.61 668.90 Td (with ) Tj ET Q q 0 0 0 rg BT 388.94 668.90 Td ($10.6 ) Tj ET Q q 0 0 0 rg BT 418.94 668.90 Td (billion.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 651.91 cm /I40 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 654.50 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 159.97 654.50 Td (for ) Tj ET Q q 0 0 0 rg BT 177.95 654.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 202.59 654.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 235.25 654.50 Td (to ) Tj ET Q q 0 0 0 rg BT 248.57 654.50 Td (ending ) Tj ET Q q 0 0 0 rg BT 285.22 654.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.54 654.50 Td (retained, ) Tj ET Q q 0 0 0 rg BT 360.17 654.50 Td (excluding ) Tj ET Q q 0 0 0 rg BT 411.47 654.50 Td (PCI ) Tj ET Q q 0 0 0 rg BT 434.13 654.50 Td (loans) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 459.46 659.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 463.36 654.50 Td (, ) Tj ET Q q 0 0 0 rg BT 470.35 654.50 Td (was ) Tj ET Q q 0 0 0 rg BT 493.00 654.50 Td (2.23%, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 640.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 640.10 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 640.10 Td (4.14%.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 611.30 Td (Card, ) Tj ET Q q 0 0 0 rg BT 81.22 611.30 Td (Mer) Tj ET Q q 0 0 0 rg BT 102.98 611.30 Td (chant ) Tj ET Q q 0 0 0 rg BT 133.20 611.30 Td (Services ) Tj ET Q q 0 0 0 rg BT 176.73 611.30 Td (& ) Tj ET Q q 0 0 0 rg BT 187.94 611.30 Td (Auto) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 213.27 611.30 Td ( ) Tj ET Q q 0 0 0 rg BT 214.83 611.30 Td (net ) Tj ET Q q 0 0 0 rg BT 231.04 611.30 Td (income ) Tj ET Q q 0 0 0 rg BT 267.91 611.30 Td (was ) Tj ET Q q 0 0 0 rg BT 288.12 611.30 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 310.67 611.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 346.56 611.30 Td (an ) Tj ET Q q 0 0 0 rg BT 359.44 611.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 400.29 611.30 Td (of ) Tj ET Q q 0 0 0 rg BT 411.84 611.30 Td ($190 ) Tj ET Q q 0 0 0 rg BT 437.39 611.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 476.61 611.30 Td (or ) Tj ET Q q 0 0 0 rg BT 488.16 611.30 Td (23%, ) Tj ET Q q 0 0 0 rg BT 514.71 611.30 Td (compared ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 596.90 Td (with ) Tj ET Q q 0 0 0 rg BT 74.33 596.90 Td (the ) Tj ET Q q 0 0 0 rg BT 91.99 596.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 118.32 596.90 Td (year) Tj ET Q q 0 0 0 rg BT 138.49 596.90 Td (, ) Tj ET Q q 0 0 0 rg BT 144.49 596.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 178.14 596.90 Td (by ) Tj ET Q q 0 0 0 rg BT 193.14 596.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 223.47 596.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 271.80 596.90 Td (for ) Tj ET Q q 0 0 0 rg BT 288.79 596.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 319.11 596.90 Td (losses, ) Tj ET Q q 0 0 0 rg BT 353.78 596.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 396.76 596.90 Td (of) Tj ET Q q 0 0 0 rg BT 406.54 596.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 426.87 596.90 Td (by ) Tj ET Q q 0 0 0 rg BT 441.87 596.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 472.19 596.90 Td (net ) Tj ET Q q 0 0 0 rg BT 489.85 596.90 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 576.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.14 576.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.92 576.50 Td (was ) Tj ET Q q 0 0 0 rg BT 132.40 576.50 Td ($4.7 ) Tj ET Q q 0 0 0 rg BT 156.21 576.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.35 576.50 Td (down ) Tj ET Q q 0 0 0 rg BT 222.83 576.50 Td ($140 ) Tj ET Q q 0 0 0 rg BT 249.64 576.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 290.12 576.50 Td (or ) Tj ET Q q 0 0 0 rg BT 302.93 576.50 Td (3%, ) Tj ET Q q 0 0 0 rg BT 324.74 576.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.86 576.50 Td (with ) Tj ET Q q 0 0 0 rg BT 399.00 576.50 Td (the ) Tj ET Q q 0 0 0 rg BT 416.47 576.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.61 576.50 Td (year) Tj ET Q q 0 0 0 rg BT 462.60 576.50 Td (. ) Tj ET Q q 0 0 0 rg BT 468.41 576.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.54 576.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.68 576.50 Td (income ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (was ) Tj ET Q q 0 0 0 rg BT 71.56 562.10 Td ($3.3billion, ) Tj ET Q q 0 0 0 rg BT 132.80 562.10 Td (down ) Tj ET Q q 0 0 0 rg BT 162.36 562.10 Td ($222 ) Tj ET Q q 0 0 0 rg BT 189.26 562.10 Td (million ) Tj ET Q q 0 0 0 rg BT 226.83 562.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.04 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 301.27 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.83 562.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 345.05 562.10 Td (year) Tj ET Q q 0 0 0 rg BT 365.22 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 371.12 562.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 418.67 562.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 452.23 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 467.13 562.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 501.34 562.10 Td (compression ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 547.70 Td (in ) Tj ET Q q 0 0 0 rg BT 61.75 547.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 94.17 547.70 Td (Card. ) Tj ET Q q 0 0 0 rg BT 122.91 547.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 181.31 547.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 221.71 547.70 Td (was ) Tj ET Q q 0 0 0 rg BT 242.79 547.70 Td ($1.4billion, ) Tj ET Q q 0 0 0 rg BT 303.54 547.70 Td (up ) Tj ET Q q 0 0 0 rg BT 317.96 547.70 Td ($82 ) Tj ET Q q 0 0 0 rg BT 338.38 547.70 Td (million ) Tj ET Q q 0 0 0 rg BT 375.47 547.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 425.19 547.70 Td (with ) Tj ET Q q 0 0 0 rg BT 448.95 547.70 Td (the ) Tj ET Q q 0 0 0 rg BT 466.03 547.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 491.77 547.70 Td (year) Tj ET Q q 0 0 0 rg BT 511.94 547.70 Td (, ) Tj ET Q q 0 0 0 rg BT 517.36 547.70 Td (primarily ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 533.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 83.21 533.30 Td (by ) Tj ET Q q 0 0 0 rg BT 97.77 533.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 130.98 533.30 Td (net ) Tj ET Q q 0 0 0 rg BT 148.19 533.30 Td (interchange ) Tj ET Q q 0 0 0 rg BT 206.71 533.30 Td (income, ) Tj ET Q q 0 0 0 rg BT 247.59 533.30 Td (auto ) Tj ET Q q 0 0 0 rg BT 270.80 533.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 297.34 533.30 Td (income ) Tj ET Q q 0 0 0 rg BT 335.22 533.30 Td (and ) Tj ET Q q 0 0 0 rg BT 355.10 533.30 Td (merchant ) Tj ET Q q 0 0 0 rg BT 402.29 533.30 Td (servicing ) Tj ET Q q 0 0 0 rg BT 448.84 533.30 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 492.37 533.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 534.90 533.30 Td (of) Tj ET Q q 0 0 0 rg BT 544.68 533.30 Td (fset ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 518.90 Td (by ) Tj ET Q q 0 0 0 rg BT 65.00 518.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 95.32 518.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 136.30 518.90 Td (from ) Tj ET Q q 0 0 0 rg BT 162.62 518.90 Td (an ) Tj ET Q q 0 0 0 rg BT 176.95 518.90 Td (exited ) Tj ET Q q 0 0 0 rg BT 209.27 518.90 Td (non-core ) Tj ET Q q 0 0 0 rg BT 254.91 518.90 Td (product.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 498.50 Td (The ) Tj ET Q q 0 0 0 rg BT 70.33 498.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 117.34 498.50 Td (for ) Tj ET Q q 0 0 0 rg BT 133.00 498.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 161.99 498.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 192.33 498.50 Td (was ) Tj ET Q q 0 0 0 rg BT 212.67 498.50 Td ($746 ) Tj ET Q q 0 0 0 rg BT 238.34 498.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 277.68 498.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 326.67 498.50 Td (with ) Tj ET Q q 0 0 0 rg BT 349.67 498.50 Td ($1.3billion ) Tj ET Q q 0 0 0 rg BT 406.68 498.50 Td (in ) Tj ET Q q 0 0 0 rg BT 417.69 498.50 Td (the ) Tj ET Q q 0 0 0 rg BT 434.02 498.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 459.02 498.50 Td (year ) Tj ET Q q 0 0 0 rg BT 481.34 498.50 Td (and ) Tj ET Q q 0 0 0 rg BT 500.34 498.50 Td ($673million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 61.10 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.53 484.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 102.63 484.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 135.95 484.10 Td (. ) Tj ET Q q 0 0 0 rg BT 140.59 484.10 Td (The ) Tj ET Q q 0 0 0 rg BT 161.01 484.10 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 234.74 484.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 281.84 484.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 325.57 484.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 354.67 484.10 Td (net ) Tj ET Q q 0 0 0 rg BT 371.09 484.10 Td (char) Tj ET Q q 0 0 0 rg BT 391.53 484.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 416.63 484.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 427.06 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.16 484.10 Td (a ) Tj ET Q q 0 0 0 rg BT 453.25 484.10 Td ($300million ) Tj ET Q q 0 0 0 rg BT 516.69 484.10 Td (reduction ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 469.70 Td (in ) Tj ET Q q 0 0 0 rg BT 62.33 469.70 Td (the ) Tj ET Q q 0 0 0 rg BT 79.98 469.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 131.61 469.70 Td (for ) Tj ET Q q 0 0 0 rg BT 148.59 469.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 172.24 469.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 203.90 469.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 252.87 469.70 Td (improved ) Tj ET Q q 0 0 0 rg BT 301.85 469.70 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 363.49 469.70 Td (trends ) Tj ET Q q 0 0 0 rg BT 395.80 469.70 Td (and ) Tj ET Q q 0 0 0 rg BT 416.12 469.70 Td (a ) Tj ET Q q 0 0 0 rg BT 424.44 469.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 468.73 469.70 Td (in ) Tj ET Q q 0 0 0 rg BT 481.05 469.70 Td (restructured ) Tj ET Q q 0 0 0 rg BT 541.35 469.70 Td (loan ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 455.30 Td (volume.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 434.90 Td (The ) Tj ET Q q 0 0 0 rg BT 71.64 434.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 104.62 434.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 130.93 434.90 Td (net ) Tj ET Q q 0 0 0 rg BT 148.57 434.90 Td (char) Tj ET Q q 0 0 0 rg BT 169.00 434.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 194.11 434.90 Td (f ) Tj ET Q q 0 0 0 rg BT 201.09 434.90 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 219.07 440.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 222.97 434.90 Td ( ) Tj ET Q q 0 0 0 rg BT 225.95 434.90 Td (was ) Tj ET Q q 0 0 0 rg BT 247.60 434.90 Td (2.85%, ) Tj ET Q q 0 0 0 rg BT 284.58 434.90 Td (down ) Tj ET Q q 0 0 0 rg BT 314.23 434.90 Td (from ) Tj ET Q q 0 0 0 rg BT 340.54 434.90 Td (3.50% ) Tj ET Q q 0 0 0 rg BT 374.52 434.90 Td (in ) Tj ET Q q 0 0 0 rg BT 386.83 434.90 Td (the ) Tj ET Q q 0 0 0 rg BT 404.48 434.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 430.79 434.90 Td (year ) Tj ET Q q 0 0 0 rg BT 454.42 434.90 Td (and ) Tj ET Q q 0 0 0 rg BT 474.73 434.90 Td (2.86% ) Tj ET Q q 0 0 0 rg BT 508.71 434.90 Td (in ) Tj ET Q q 0 0 0 rg BT 521.03 434.90 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 434.90 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 420.50 Td (quarter; ) Tj ET Q q 0 0 0 rg BT 89.74 420.50 Td (the ) Tj ET Q q 0 0 0 rg BT 106.83 420.50 Td (30+ ) Tj ET Q q 0 0 0 rg BT 128.03 420.50 Td (day ) Tj ET Q q 0 0 0 rg BT 147.78 420.50 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 208.86 420.50 Td (rate) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 226.84 425.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 230.74 420.50 Td ( ) Tj ET Q q 0 0 0 rg BT 233.17 420.50 Td (was ) Tj ET Q q 0 0 0 rg BT 254.26 420.50 Td (1.67%, ) Tj ET Q q 0 0 0 rg BT 290.68 420.50 Td (down ) Tj ET Q q 0 0 0 rg BT 319.78 420.50 Td (from ) Tj ET Q q 0 0 0 rg BT 345.53 420.50 Td (2.10% ) Tj ET Q q 0 0 0 rg BT 378.96 420.50 Td (in ) Tj ET Q q 0 0 0 rg BT 390.72 420.50 Td (the ) Tj ET Q q 0 0 0 rg BT 407.81 420.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 433.56 420.50 Td (year ) Tj ET Q q 0 0 0 rg BT 456.64 420.50 Td (and ) Tj ET Q q 0 0 0 rg BT 476.40 420.50 Td (1.68% ) Tj ET Q q 0 0 0 rg BT 509.82 420.50 Td (in ) Tj ET Q q 0 0 0 rg BT 521.58 420.50 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 420.50 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 83.32 406.10 Td (. ) Tj ET Q q 0 0 0 rg BT 89.70 406.10 Td (The ) Tj ET Q q 0 0 0 rg BT 111.20 406.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 138.85 406.10 Td (net ) Tj ET Q q 0 0 0 rg BT 157.16 406.10 Td (char) Tj ET Q q 0 0 0 rg BT 177.59 406.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 202.69 406.10 Td (f ) Tj ET Q q 0 0 0 rg BT 210.34 406.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 231.97 406.10 Td (was ) Tj ET Q q 0 0 0 rg BT 254.28 406.10 Td (0.39%, ) Tj ET Q q 0 0 0 rg BT 291.93 406.10 Td (up ) Tj ET Q q 0 0 0 rg BT 307.57 406.10 Td (from ) Tj ET Q q 0 0 0 rg BT 334.55 406.10 Td (0.36% ) Tj ET Q q 0 0 0 rg BT 369.19 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 382.18 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.49 406.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 427.46 406.10 Td (year ) Tj ET Q q 0 0 0 rg BT 451.76 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.73 406.10 Td (0.35% ) Tj ET Q q 0 0 0 rg BT 507.38 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 520.36 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 406.10 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 391.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 83.32 391.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 371.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.53 371.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.73 371.30 Td (was ) Tj ET Q q 0 0 0 rg BT 170.93 371.30 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 194.48 371.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 231.36 371.30 Td (up ) Tj ET Q q 0 0 0 rg BT 245.91 371.30 Td ($59 ) Tj ET Q q 0 0 0 rg BT 266.45 371.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 306.67 371.30 Td (or ) Tj ET Q q 0 0 0 rg BT 319.21 371.30 Td (3% ) Tj ET Q q 0 0 0 rg BT 337.75 371.30 Td (from ) Tj ET Q q 0 0 0 rg BT 363.63 371.30 Td (the ) Tj ET Q q 0 0 0 rg BT 380.83 371.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 406.70 371.30 Td (year) Tj ET Q q 0 0 0 rg BT 426.87 371.30 Td (, ) Tj ET Q q 0 0 0 rg BT 432.42 371.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 465.62 371.30 Td (by ) Tj ET Q q 0 0 0 rg BT 480.17 371.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 513.37 371.30 Td (marketing ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 356.90 Td (expense, ) Tj ET Q q 0 0 0 rg BT 94.71 356.90 Td (payments ) Tj ET Q q 0 0 0 rg BT 143.76 356.90 Td (to ) Tj ET Q q 0 0 0 rg BT 156.16 356.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 207.88 356.90 Td (required ) Tj ET Q q 0 0 0 rg BT 250.92 356.90 Td (by ) Tj ET Q q 0 0 0 rg BT 265.98 356.90 Td (a ) Tj ET Q q 0 0 0 rg BT 274.36 356.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 326.74 356.90 Td (consent ) Tj ET Q q 0 0 0 rg BT 366.46 356.90 Td (order ) Tj ET Q q 0 0 0 rg BT 394.84 356.90 Td (and ) Tj ET Q q 0 0 0 rg BT 415.22 356.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 448.94 356.90 Td (auto ) Tj ET Q q 0 0 0 rg BT 472.66 356.90 Td (lease ) Tj ET Q q 0 0 0 rg BT 499.71 356.90 Td (depreciation, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 342.50 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 122.98 342.50 Td (of) Tj ET Q q 0 0 0 rg BT 132.76 342.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 153.09 342.50 Td (by ) Tj ET Q q 0 0 0 rg BT 168.09 342.50 Td (the ) Tj ET Q q 0 0 0 rg BT 185.75 342.50 Td (write-of) Tj ET Q q 0 0 0 rg BT 224.18 342.50 Td (f ) Tj ET Q q 0 0 0 rg BT 231.18 342.50 Td (of ) Tj ET Q q 0 0 0 rg BT 244.17 342.50 Td (intangible ) Tj ET Q q 0 0 0 rg BT 295.16 342.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 326.16 342.50 Td (in ) Tj ET Q q 0 0 0 rg BT 338.49 342.50 Td (the ) Tj ET Q q 0 0 0 rg BT 356.15 342.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 382.48 342.50 Td (year) Tj ET Q q 0 0 0 rg BT 402.46 342.50 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 307.70 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 307.70 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 307.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 307.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 307.70 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 298.74 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 298.74 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 298.74 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 298.74 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 298.74 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 298.74 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 298.74 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 298.74 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 298.74 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 298.74 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 276.31 cm /I41 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.00 278.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 278.90 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 278.90 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 278.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 278.90 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 278.90 Td (26% ) Tj ET Q q 0 0 0 rg BT 234.31 278.90 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 278.90 Td ($15.5 ) Tj ET Q q 0 0 0 rg BT 279.31 278.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.65 278.90 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 278.90 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 278.90 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 278.90 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 261.91 cm /I42 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 264.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.48 264.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 150.27 264.50 Td (card ) Tj ET Q q 0 0 0 rg BT 174.39 264.50 Td (issuer ) Tj ET Q q 0 0 0 rg BT 205.87 264.50 Td (in ) Tj ET Q q 0 0 0 rg BT 218.68 264.50 Td (the ) Tj ET Q q 0 0 0 rg BT 236.81 264.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 261.63 264.50 Td (based ) Tj ET Q q 0 0 0 rg BT 292.43 264.50 Td (on ) Tj ET Q q 0 0 0 rg BT 307.90 264.50 Td (outstandings) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 368.57 269.94 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 372.47 264.50 Td (; ) Tj ET Q q 0 0 0 rg BT 379.28 264.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 394.76 264.50 Td (global ) Tj ET Q q 0 0 0 rg BT 427.97 264.50 Td (V) Tj ET Q q 0 0 0 rg BT 435.92 264.50 Td (isa ) Tj ET Q q 0 0 0 rg BT 452.73 264.50 Td (issuer ) Tj ET Q q 0 0 0 rg BT 484.20 264.50 Td (based ) Tj ET Q q 0 0 0 rg BT 515.00 264.50 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 250.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 153.65 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.98 250.10 Td (business ) Tj ET Q q 0 0 0 rg BT 217.65 250.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 247.96 250.10 Td (card ) Tj ET Q q 0 0 0 rg BT 271.61 250.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 297.94 250.10 Td (volume) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 333.93 255.54 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 337.83 250.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 233.11 cm /I43 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 235.70 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 160.14 235.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 193.61 235.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 220.42 235.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 244.57 235.70 Td (balances ) Tj ET Q q 0 0 0 rg BT 289.36 235.70 Td (were ) Tj ET Q q 0 0 0 rg BT 316.16 235.70 Td ($127.8 ) Tj ET Q q 0 0 0 rg BT 352.64 235.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 390.46 235.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 409.93 235.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 460.72 235.70 Td (with ) Tj ET Q q 0 0 0 rg BT 485.54 235.70 Td (the ) Tj ET Q q 0 0 0 rg BT 503.69 235.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 221.30 Td (year ) Tj ET Q q 0 0 0 rg BT 127.06 221.30 Td (and ) Tj ET Q q 0 0 0 rg BT 146.81 221.30 Td (up ) Tj ET Q q 0 0 0 rg BT 161.22 221.30 Td (3% ) Tj ET Q q 0 0 0 rg BT 179.63 221.30 Td (from ) Tj ET Q q 0 0 0 rg BT 205.37 221.30 Td (the ) Tj ET Q q 0 0 0 rg BT 222.45 221.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 248.19 221.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 281.51 221.30 Td (. ) Tj ET Q q 0 0 0 rg BT 286.92 221.30 Td (Credit ) Tj ET Q q 0 0 0 rg BT 319.33 221.30 Td (Card ) Tj ET Q q 0 0 0 rg BT 345.08 221.30 Td (average ) Tj ET Q q 0 0 0 rg BT 384.79 221.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 412.54 221.30 Td (were ) Tj ET Q q 0 0 0 rg BT 438.27 221.30 Td ($124.1billion, ) Tj ET Q q 0 0 0 rg BT 511.02 221.30 Td (flat ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 206.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 206.90 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 206.90 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 206.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 206.90 Td (year ) Tj ET Q q 0 0 0 rg BT 246.28 206.90 Td (and ) Tj ET Q q 0 0 0 rg BT 266.60 206.90 Td (the ) Tj ET Q q 0 0 0 rg BT 284.26 206.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 310.59 206.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 343.91 206.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 189.91 cm /I44 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 192.50 Td (Card ) Tj ET Q q 0 0 0 rg BT 130.34 192.50 Td (Services ) Tj ET Q q 0 0 0 rg BT 174.00 192.50 Td (net ) Tj ET Q q 0 0 0 rg BT 191.68 192.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.67 192.50 Td (as ) Tj ET Q q 0 0 0 rg BT 245.68 192.50 Td (a ) Tj ET Q q 0 0 0 rg BT 254.01 192.50 Td (percentage ) Tj ET Q q 0 0 0 rg BT 308.99 192.50 Td (of ) Tj ET Q q 0 0 0 rg BT 322.00 192.50 Td (average ) Tj ET Q q 0 0 0 rg BT 362.31 192.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 390.66 192.50 Td (was ) Tj ET Q q 0 0 0 rg BT 412.33 192.50 Td (12.34%, ) Tj ET Q q 0 0 0 rg BT 455.34 192.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 505.66 192.50 Td (with ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 178.10 Td (12.82% ) Tj ET Q q 0 0 0 rg BT 144.00 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 156.33 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.99 178.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.32 178.10 Td (year ) Tj ET Q q 0 0 0 rg BT 223.96 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.29 178.10 Td (12.22% ) Tj ET Q q 0 0 0 rg BT 284.29 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 296.62 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.28 178.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.61 178.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 373.92 178.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 161.11 cm /I45 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 163.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 163.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 163.70 Td (auto ) Tj ET Q q 0 0 0 rg BT 170.41 163.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 198.74 163.70 Td (were ) Tj ET Q q 0 0 0 rg BT 225.06 163.70 Td ($51.8 ) Tj ET Q q 0 0 0 rg BT 255.06 163.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 292.40 163.70 Td (up ) Tj ET Q q 0 0 0 rg BT 307.40 163.70 Td (5% ) Tj ET Q q 0 0 0 rg BT 326.40 163.70 Td (from ) Tj ET Q q 0 0 0 rg BT 352.73 163.70 Td (the ) Tj ET Q q 0 0 0 rg BT 370.39 163.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 396.72 163.70 Td (year ) Tj ET Q q 0 0 0 rg BT 420.37 163.70 Td (and ) Tj ET Q q 0 0 0 rg BT 440.69 163.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 459.69 163.70 Td (from ) Tj ET Q q 0 0 0 rg BT 486.02 163.70 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 163.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 149.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 149.30 Td (.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 740.90 Td (TE ) Tj ET Q q 0 0 0 rg BT 124.35 740.90 Td (& ) Tj ET Q q 0 0 0 rg BT 136.68 740.90 Td (INVESTMENT ) Tj ET Q q 0 0 0 rg BT 217.70 740.90 Td (BANK ) Tj ET Q q 0 0 0 rg BT 253.38 740.90 Td (\(CIB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 730.4 m 50.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 730.4 m 231.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 231.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 276.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 730.4 m 280.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 280.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 325.5 730.4 l s 0 0 0 RG /GS0 gs 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0 rg BT 296.50 660.27 Td (4,999) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 660.27 Td (4,996) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 399.10 660.27 Td (\(107) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 660.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 445.95 660.27 Td (\(2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 660.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 660.27 Td (\(104) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 660.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 660.27 Td (\(2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 660.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 645.27 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 645.27 Td (858) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 645.27 Td (2,240) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 645.27 Td (2,005) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 390.85 645.27 Td (\(1,382) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 645.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 440.45 645.27 Td (\(62) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 455.15 645.27 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 645.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 484.85 645.27 Td (\(1,147) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 645.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 645.27 Td (\(57) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 645.27 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 614.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 614.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 614.50 Td (Results: ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 600.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 71.00 600.10 Td (income ) Tj ET Q q 0 0 0 rg BT 109.99 600.10 Td (was ) Tj ET Q q 0 0 0 rg BT 132.33 600.10 Td ($858million, ) Tj ET Q q 0 0 0 rg BT 200.67 600.10 Td (down ) Tj ET Q q 0 0 0 rg BT 231.01 600.10 Td (57% ) Tj ET Q q 0 0 0 rg BT 256.67 600.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 307.66 600.10 Td (with ) Tj ET Q q 0 0 0 rg BT 332.66 600.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.99 600.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 377.99 600.10 Td (year) Tj ET Q q 0 0 0 rg BT 397.98 600.10 Td (. ) Tj ET Q q 0 0 0 rg BT 404.39 600.10 Td (These ) Tj ET Q q 0 0 0 rg BT 436.71 600.10 Td (results ) Tj ET Q q 0 0 0 rg BT 471.71 600.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 520.04 600.10 Td (reflected ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 81.37 585.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 123.39 585.70 Td (and ) Tj ET Q q 0 0 0 rg BT 144.76 585.70 Td (a ) Tj ET Q q 0 0 0 rg BT 154.13 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 185.49 585.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 222.85 585.70 Td (from ) Tj ET Q q 0 0 0 rg BT 250.23 585.70 Td (the ) Tj ET Q q 0 0 0 rg BT 268.93 585.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 318.31 585.70 Td (for ) Tj ET Q q 0 0 0 rg BT 336.34 585.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 367.71 585.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 403.42 585.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 447.45 585.70 Td (of) Tj ET Q q 0 0 0 rg BT 457.23 585.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 478.60 585.70 Td (by ) Tj ET Q q 0 0 0 rg BT 494.64 585.70 Td (slightly ) Tj ET Q q 0 0 0 rg BT 534.69 585.70 Td (lower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 571.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 106.08 571.30 Td (expense. ) Tj ET Q q 0 0 0 rg BT 150.49 571.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 170.57 571.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 211.31 571.30 Td (was ) Tj ET Q q 0 0 0 rg BT 232.73 571.30 Td ($6.0 ) Tj ET Q q 0 0 0 rg BT 256.49 571.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 290.59 571.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 340.65 571.30 Td (with ) Tj ET Q q 0 0 0 rg BT 364.75 571.30 Td ($7.6 ) Tj ET Q q 0 0 0 rg BT 388.51 571.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 422.60 571.30 Td (in ) Tj ET Q q 0 0 0 rg BT 434.70 571.30 Td (the ) Tj ET Q q 0 0 0 rg BT 452.12 571.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 478.20 571.30 Td (year) Tj ET Q q 0 0 0 rg BT 498.19 571.30 Td (. ) Tj ET Q q 0 0 0 rg BT 503.95 571.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 524.04 571.30 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 556.90 Td (included ) Tj ET Q q 0 0 0 rg BT 93.86 556.90 Td (a ) Tj ET Q q 0 0 0 rg BT 101.73 556.90 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 125.27 556.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 159.14 556.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 180.36 556.90 Td (as ) Tj ET Q q 0 0 0 rg BT 192.89 556.90 Td (a ) Tj ET Q q 0 0 0 rg BT 200.76 556.90 Td (result ) Tj ET Q q 0 0 0 rg BT 229.96 556.90 Td (of ) Tj ET Q q 0 0 0 rg BT 242.50 556.90 Td (implementing ) Tj ET Q q 0 0 0 rg BT 311.69 556.90 Td (a ) Tj ET Q q 0 0 0 rg BT 319.56 556.90 Td (funding ) Tj ET Q q 0 0 0 rg BT 359.43 556.90 Td (valuation ) Tj ET Q q 0 0 0 rg BT 406.62 556.90 Td (adjustment) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 459.28 562.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 463.18 556.90 Td ( ) Tj ET Q q 0 0 0 rg BT 465.72 556.90 Td (\(FV) Tj ET Q q 0 0 0 rg BT 488.83 556.90 Td (A\) ) Tj ET Q q 0 0 0 rg BT 509.36 556.90 Td (framework ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 542.50 Td (for ) Tj ET Q q 0 0 0 rg BT 66.87 542.50 Td (OTC ) Tj ET Q q 0 0 0 rg BT 93.74 542.50 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 149.26 542.50 Td (and ) Tj ET Q q 0 0 0 rg BT 169.46 542.50 Td (structured ) Tj ET Q q 0 0 0 rg BT 220.32 542.50 Td (notes. ) Tj ET Q q 0 0 0 rg BT 251.31 542.50 Td (This ) Tj ET Q q 0 0 0 rg BT 275.52 542.50 Td (change ) Tj ET Q q 0 0 0 rg BT 312.37 542.50 Td (reflects ) Tj ET Q q 0 0 0 rg BT 350.56 542.50 Td (an ) Tj ET Q q 0 0 0 rg BT 364.76 542.50 Td (industry ) Tj ET Q q 0 0 0 rg BT 406.97 542.50 Td (migration ) Tj ET Q q 0 0 0 rg BT 456.50 542.50 Td (towards ) Tj ET Q q 0 0 0 rg BT 497.36 542.50 Td (incorporating ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 528.10 Td (the ) Tj ET Q q 0 0 0 rg BT 67.54 528.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 89.76 528.10 Td (or ) Tj ET Q q 0 0 0 rg BT 102.64 528.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 138.84 528.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.72 528.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 191.93 528.10 Td (into ) Tj ET Q q 0 0 0 rg BT 213.49 528.10 Td (their ) Tj ET Q q 0 0 0 rg BT 238.36 528.10 Td (valuation; ) Tj ET Q q 0 0 0 rg BT 289.23 528.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.78 528.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 350.32 528.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.20 528.10 Td (this ) Tj ET Q q 0 0 0 rg BT 383.42 528.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 438.97 528.10 Td (relates ) Tj ET Q q 0 0 0 rg BT 473.16 528.10 Td (to ) Tj ET Q q 0 0 0 rg BT 485.38 528.10 Td (uncollateralized ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 513.70 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 109.18 513.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 130.04 513.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 171.54 513.70 Td (also ) Tj ET Q q 0 0 0 rg BT 194.40 513.70 Td (included ) Tj ET Q q 0 0 0 rg BT 239.26 513.70 Td (a ) Tj ET Q q 0 0 0 rg BT 248.11 513.70 Td ($536 ) Tj ET Q q 0 0 0 rg BT 275.65 513.70 Td (million ) Tj ET Q q 0 0 0 rg BT 313.85 513.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 336.05 513.70 Td (from ) Tj ET Q q 0 0 0 rg BT 362.91 513.70 Td (debit ) Tj ET Q q 0 0 0 rg BT 390.44 513.70 Td (valuation ) Tj ET Q q 0 0 0 rg BT 438.62 513.70 Td (adjustments) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 495.95 519.14 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 499.85 513.70 Td ( ) Tj ET Q q 0 0 0 rg BT 503.38 513.70 Td (\(DV) Tj ET Q q 0 0 0 rg BT 528.49 513.70 Td (A\) ) Tj ET Q q 0 0 0 rg BT 550.01 513.70 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 499.30 Td (structured ) Tj ET Q q 0 0 0 rg BT 100.75 499.30 Td (notes ) Tj ET Q q 0 0 0 rg BT 128.84 499.30 Td (and ) Tj ET Q q 0 0 0 rg BT 148.93 499.30 Td (derivative ) Tj ET Q q 0 0 0 rg BT 199.67 499.30 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 250.10 499.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 300.17 499.30 Td (with ) Tj ET Q q 0 0 0 rg BT 324.27 499.30 Td (a ) Tj ET Q q 0 0 0 rg BT 332.36 499.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 353.80 499.30 Td (from ) Tj ET Q q 0 0 0 rg BT 379.89 499.30 Td (DV) Tj ET Q q 0 0 0 rg BT 395.67 499.30 Td (A) Tj ET Q q 0 0 0 rg BT 403.67 499.30 Td ( ) Tj ET Q q 0 0 0 rg BT 406.44 499.30 Td (of ) Tj ET Q q 0 0 0 rg BT 419.20 499.30 Td ($567 ) Tj ET Q q 0 0 0 rg BT 445.96 499.30 Td (million ) Tj ET Q q 0 0 0 rg BT 483.40 499.30 Td (in ) Tj ET Q q 0 0 0 rg BT 495.50 499.30 Td (the ) Tj ET Q q 0 0 0 rg BT 512.92 499.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.01 499.30 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 499.30 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 484.90 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 102.47 484.90 Td (the ) Tj ET Q q 0 0 0 rg BT 120.28 484.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 156.08 484.90 Td (of ) Tj ET Q q 0 0 0 rg BT 169.23 484.90 Td (both ) Tj ET Q q 0 0 0 rg BT 193.71 484.90 Td (FV) Tj ET Q q 0 0 0 rg BT 207.50 484.90 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 216.17 490.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 220.07 484.90 Td ( ) Tj ET Q q 0 0 0 rg BT 223.21 484.90 Td (and ) Tj ET Q q 0 0 0 rg BT 243.69 484.90 Td (DV) Tj ET Q q 0 0 0 rg BT 259.47 484.90 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 268.14 490.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 272.04 484.90 Td (, ) Tj ET Q q 0 0 0 rg BT 278.19 484.90 Td (net ) Tj ET Q q 0 0 0 rg BT 296.00 484.90 Td (income ) Tj ET Q q 0 0 0 rg BT 334.46 484.90 Td (was ) Tj ET Q q 0 0 0 rg BT 356.27 484.90 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 380.42 484.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 417.91 484.90 Td (down ) Tj ET Q q 0 0 0 rg BT 447.72 484.90 Td (1) Tj ET Q q 0 0 0 rg BT 453.27 484.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 472.42 484.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 522.88 484.90 Td (with ) Tj ET Q q 0 0 0 rg BT 547.36 484.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 470.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.33 470.50 Td (year) Tj ET Q q 0 0 0 rg BT 96.49 470.50 Td (, ) Tj ET Q q 0 0 0 rg BT 102.49 470.50 Td (and ) Tj ET Q q 0 0 0 rg BT 122.82 470.50 Td (net ) Tj ET Q q 0 0 0 rg BT 140.48 470.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 181.46 470.50 Td (was ) Tj ET Q q 0 0 0 rg BT 203.12 470.50 Td ($8.0 ) Tj ET Q q 0 0 0 rg BT 227.12 470.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 264.45 470.50 Td (down ) Tj ET Q q 0 0 0 rg BT 294.12 470.50 Td (2% ) Tj ET Q q 0 0 0 rg BT 313.12 470.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 363.42 470.50 Td (with ) Tj ET Q q 0 0 0 rg BT 387.76 470.50 Td (the ) Tj ET Q q 0 0 0 rg BT 405.42 470.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 431.74 470.50 Td (year) Tj ET Q q 0 0 0 rg BT 451.73 470.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 450.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 93.32 450.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 133.95 450.10 Td (was ) Tj ET Q q 0 0 0 rg BT 155.26 450.10 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 178.92 450.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 215.91 450.10 Td (down ) Tj ET Q q 0 0 0 rg BT 245.23 450.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 263.88 450.10 Td (from ) Tj ET Q q 0 0 0 rg BT 289.86 450.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.17 450.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 333.15 450.10 Td (year) Tj ET Q q 0 0 0 rg BT 353.14 450.10 Td (. ) Tj ET Q q 0 0 0 rg BT 358.79 450.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 414.77 450.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 456.08 450.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 478.06 450.10 Td (were ) Tj ET Q q 0 0 0 rg BT 504.03 450.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 527.68 450.10 Td (billion, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 435.70 Td (down ) Tj ET Q q 0 0 0 rg BT 80.22 435.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 99.77 435.70 Td (from ) Tj ET Q q 0 0 0 rg BT 126.65 435.70 Td (the ) Tj ET Q q 0 0 0 rg BT 144.86 435.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 171.74 435.70 Td (year) Tj ET Q q 0 0 0 rg BT 191.90 435.70 Td (, ) Tj ET Q q 0 0 0 rg BT 198.46 435.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 232.66 435.70 Td (by ) Tj ET Q q 0 0 0 rg BT 248.22 435.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 279.09 435.70 Td (debt ) Tj ET Q q 0 0 0 rg BT 303.30 435.70 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 368.84 435.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 391.71 435.70 Td (of ) Tj ET Q q 0 0 0 rg BT 405.26 435.70 Td ($801 ) Tj ET Q q 0 0 0 rg BT 432.81 435.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 474.04 435.70 Td (down ) Tj ET Q q 0 0 0 rg BT 504.25 435.70 Td (19% ) Tj ET Q q 0 0 0 rg BT 529.80 435.70 Td (from ) Tj ET Q q 0 0 0 rg BT 556.68 435.70 Td (a ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 421.30 Td (record ) Tj ET Q q 0 0 0 rg BT 85.13 421.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 112.94 421.30 Td (year) Tj ET Q q 0 0 0 rg BT 133.11 421.30 Td (, ) Tj ET Q q 0 0 0 rg BT 140.60 421.30 Td (and ) Tj ET Q q 0 0 0 rg BT 162.41 421.30 Td (by ) Tj ET Q q 0 0 0 rg BT 178.90 421.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 210.71 421.30 Td (advisory ) Tj ET Q q 0 0 0 rg BT 256.52 421.30 Td (fees ) Tj ET Q q 0 0 0 rg BT 280.33 421.30 Td (of ) Tj ET Q q 0 0 0 rg BT 294.81 421.30 Td ($434million, ) Tj ET Q q 0 0 0 rg BT 363.97 421.30 Td (down ) Tj ET Q q 0 0 0 rg BT 395.12 421.30 Td (7% ) Tj ET Q q 0 0 0 rg BT 415.60 421.30 Td (from ) Tj ET Q q 0 0 0 rg BT 443.41 421.30 Td (the ) Tj ET Q q 0 0 0 rg BT 462.56 421.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.37 421.30 Td (year) Tj ET Q q 0 0 0 rg BT 510.36 421.30 Td (. ) Tj ET Q q 0 0 0 rg BT 517.52 421.30 Td (This ) Tj ET Q q 0 0 0 rg BT 543.34 421.30 Td (was ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 406.90 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 123.66 406.90 Td (of) Tj ET Q q 0 0 0 rg BT 133.44 406.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 154.44 406.90 Td (by ) Tj ET Q q 0 0 0 rg BT 170.12 406.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 204.45 406.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 238.12 406.90 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 303.79 406.90 Td (fees ) Tj ET Q q 0 0 0 rg BT 326.78 406.90 Td (of ) Tj ET Q q 0 0 0 rg BT 340.46 406.90 Td ($436 ) Tj ET Q q 0 0 0 rg BT 368.13 406.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 409.48 406.90 Td (up ) Tj ET Q q 0 0 0 rg BT 425.16 406.90 Td (65% ) Tj ET Q q 0 0 0 rg BT 450.83 406.90 Td (from ) Tj ET Q q 0 0 0 rg BT 477.83 406.90 Td (the ) Tj ET Q q 0 0 0 rg BT 496.17 406.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 523.17 406.90 Td (year) Tj ET Q q 0 0 0 rg BT 543.34 406.90 Td (, ) Tj ET Q q 0 0 0 rg BT 550.02 406.90 Td (on ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 392.50 Td (strong ) Tj ET Q q 0 0 0 rg BT 83.27 392.50 Td (market ) Tj ET Q q 0 0 0 rg BT 119.86 392.50 Td (issuance ) Tj ET Q q 0 0 0 rg BT 163.79 392.50 Td (and ) Tj ET Q q 0 0 0 rg BT 184.38 392.50 Td (improved ) Tj ET Q q 0 0 0 rg BT 233.65 392.50 Td (market ) Tj ET Q q 0 0 0 rg BT 270.24 392.50 Td (share. ) Tj ET Q q 0 0 0 rg BT 301.59 392.50 Td (T) Tj ET Q q 0 0 0 rg BT 308.50 392.50 Td (reasury ) Tj ET Q q 0 0 0 rg BT 347.09 392.50 Td (Services ) Tj ET Q q 0 0 0 rg BT 391.01 392.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 432.26 392.50 Td (was ) Tj ET Q q 0 0 0 rg BT 454.19 392.50 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 478.46 392.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 516.07 392.50 Td (down ) Tj ET Q q 0 0 0 rg BT 546.01 392.50 Td (7% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 378.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.93 378.10 Td (with ) Tj ET Q q 0 0 0 rg BT 125.88 378.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.16 378.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 171.11 378.10 Td (year) Tj ET Q q 0 0 0 rg BT 191.28 378.10 Td (, ) Tj ET Q q 0 0 0 rg BT 197.90 378.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 232.17 378.10 Td (by ) Tj ET Q q 0 0 0 rg BT 247.79 378.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 278.73 378.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 306.33 378.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 345.26 378.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 389.86 378.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 433.47 378.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 475.06 378.10 Td (was ) Tj ET Q q 0 0 0 rg BT 497.34 378.10 Td ($373million, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 363.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 97.90 363.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 147.12 363.70 Td (net ) Tj ET Q q 0 0 0 rg BT 165.02 363.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 203.59 363.70 Td (income ) Tj ET Q q 0 0 0 rg BT 242.15 363.70 Td (on ) Tj ET Q q 0 0 0 rg BT 257.40 363.70 Td (retained ) Tj ET Q q 0 0 0 rg BT 299.28 363.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 330.86 363.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 353.42 363.70 Td (on ) Tj ET Q q 0 0 0 rg BT 368.67 363.70 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 444.54 363.70 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 516.11 363.70 Td (and ) Tj ET Q q 0 0 0 rg BT 536.68 363.70 Td (gains ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 349.30 Td (on ) Tj ET Q q 0 0 0 rg BT 65.00 349.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 113.32 349.30 Td (received ) Tj ET Q q 0 0 0 rg BT 156.95 349.30 Td (from ) Tj ET Q q 0 0 0 rg BT 183.28 349.30 Td (restructured ) Tj ET Q q 0 0 0 rg BT 243.58 349.30 Td (loans.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 328.90 Td (Markets ) Tj ET Q q 0 0 0 rg BT 93.40 328.90 Td (& ) Tj ET Q q 0 0 0 rg BT 106.80 328.90 Td (Investor ) Tj ET Q q 0 0 0 rg BT 150.20 328.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 194.93 328.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 236.97 328.90 Td (was ) Tj ET Q q 0 0 0 rg BT 259.71 328.90 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 284.78 328.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 323.19 328.90 Td (down ) Tj ET Q q 0 0 0 rg BT 353.93 328.90 Td (33% ) Tj ET Q q 0 0 0 rg BT 380.00 328.90 Td (from ) Tj ET Q q 0 0 0 rg BT 407.40 328.90 Td (the ) Tj ET Q q 0 0 0 rg BT 426.14 328.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 453.54 328.90 Td (year) Tj ET Q q 0 0 0 rg BT 473.52 328.90 Td (. ) Tj ET Q q 0 0 0 rg BT 480.60 328.90 Td (Combined ) Tj ET Q q 0 0 0 rg BT 534.67 328.90 Td (Fixed ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 314.50 Td (Income ) Tj ET Q q 0 0 0 rg BT 89.43 314.50 Td (and ) Tj ET Q q 0 0 0 rg BT 110.21 314.50 Td (Equity ) Tj ET Q q 0 0 0 rg BT 145.66 314.50 Td (Markets ) Tj ET Q q 0 0 0 rg BT 188.43 314.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 229.85 314.50 Td (was ) Tj ET Q q 0 0 0 rg BT 251.96 314.50 Td ($4.1 ) Tj ET Q q 0 0 0 rg BT 276.41 314.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 314.20 314.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 333.64 314.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 384.40 314.50 Td (with ) Tj ET Q q 0 0 0 rg BT 409.18 314.50 Td (the ) Tj ET Q q 0 0 0 rg BT 427.29 314.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 454.07 314.50 Td (year) Tj ET Q q 0 0 0 rg BT 474.05 314.50 Td (. ) Tj ET Q q 0 0 0 rg BT 480.50 314.50 Td (In ) Tj ET Q q 0 0 0 rg BT 493.95 314.50 Td (the ) Tj ET Q q 0 0 0 rg BT 512.06 314.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.83 314.50 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 314.50 Td (, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 300.10 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 80.60 300.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 119.85 300.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 162.44 300.10 Td (also ) Tj ET Q q 0 0 0 rg BT 185.04 300.10 Td (included ) Tj ET Q q 0 0 0 rg BT 229.62 300.10 Td (a ) Tj ET Q q 0 0 0 rg BT 238.21 300.10 Td (modest ) Tj ET Q q 0 0 0 rg BT 276.15 300.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 298.09 300.10 Td (from ) Tj ET Q q 0 0 0 rg BT 324.68 300.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.61 300.10 Td (synthetic ) Tj ET Q q 0 0 0 rg BT 389.20 300.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 419.78 300.10 Td (portfolio. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.04 300.10 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 470.76 300.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 521.35 300.10 Td (Services ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 285.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 91.17 285.70 Td (was ) Tj ET Q q 0 0 0 rg BT 113.02 285.70 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 137.22 285.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 174.75 285.70 Td (up ) Tj ET Q q 0 0 0 rg BT 189.94 285.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 209.13 285.70 Td (from ) Tj ET Q q 0 0 0 rg BT 235.65 285.70 Td (the ) Tj ET Q q 0 0 0 rg BT 253.50 285.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 280.02 285.70 Td (year) Tj ET Q q 0 0 0 rg BT 300.19 285.70 Td (, ) Tj ET Q q 0 0 0 rg BT 306.38 285.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 354.23 285.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 388.08 285.70 Td (by ) Tj ET Q q 0 0 0 rg BT 403.27 285.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 437.12 285.70 Td (custody ) Tj ET Q q 0 0 0 rg BT 477.65 285.70 Td (and ) Tj ET Q q 0 0 0 rg BT 498.17 285.70 Td (fund ) Tj ET Q q 0 0 0 rg BT 523.36 285.70 Td (services ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 271.30 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 93.16 271.30 Td (due ) Tj ET Q q 0 0 0 rg BT 112.68 271.30 Td (lar) Tj ET Q q 0 0 0 rg BT 125.12 271.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 147.97 271.30 Td (to ) Tj ET Q q 0 0 0 rg BT 159.49 271.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 192.34 271.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 222.53 271.30 Td (under ) Tj ET Q q 0 0 0 rg BT 252.04 271.30 Td (custody ) Tj ET Q q 0 0 0 rg BT 291.56 271.30 Td (and ) Tj ET Q q 0 0 0 rg BT 311.07 271.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 343.92 271.30 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 388.44 271.30 Td (Credit ) Tj ET Q q 0 0 0 rg BT 420.15 271.30 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 483.00 271.30 Td (& ) Tj ET Q q 0 0 0 rg BT 494.53 271.30 Td (Other ) Tj ET Q q 0 0 0 rg BT 524.04 271.30 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 256.90 Td (was ) Tj ET Q q 0 0 0 rg BT 70.87 256.90 Td (a ) Tj ET Q q 0 0 0 rg BT 78.40 256.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 99.28 256.90 Td (of ) Tj ET Q q 0 0 0 rg BT 111.49 256.90 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 134.70 256.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.24 256.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 204.10 256.90 Td (by ) Tj ET Q q 0 0 0 rg BT 218.31 256.90 Td (the ) Tj ET Q q 0 0 0 rg BT 235.18 256.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 270.04 256.90 Td (of ) Tj ET Q q 0 0 0 rg BT 282.24 256.90 Td (both ) Tj ET Q q 0 0 0 rg BT 305.79 256.90 Td (FV) Tj ET Q q 0 0 0 rg BT 319.58 256.90 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 328.24 262.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 332.14 256.90 Td ( ) Tj ET Q q 0 0 0 rg BT 334.35 256.90 Td (and ) Tj ET Q q 0 0 0 rg BT 353.88 256.90 Td (DV) Tj ET Q q 0 0 0 rg BT 369.67 256.90 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 378.34 262.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 382.24 256.90 Td (, ) Tj ET Q q 0 0 0 rg BT 387.44 256.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 436.96 256.90 Td (with ) Tj ET Q q 0 0 0 rg BT 460.50 256.90 Td (a ) Tj ET Q q 0 0 0 rg BT 468.03 256.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 488.92 256.90 Td (of ) Tj ET Q q 0 0 0 rg BT 501.12 256.90 Td ($586 ) Tj ET Q q 0 0 0 rg BT 527.33 256.90 Td (million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 242.50 Td (in ) Tj ET Q q 0 0 0 rg BT 62.33 242.50 Td (the ) Tj ET Q q 0 0 0 rg BT 79.99 242.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 106.32 242.50 Td (year) Tj ET Q q 0 0 0 rg BT 126.49 242.50 Td (, ) Tj ET Q q 0 0 0 rg BT 132.49 242.50 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 205.47 242.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 239.13 242.50 Td (by ) Tj ET Q q 0 0 0 rg BT 254.13 242.50 Td (DV) Tj ET Q q 0 0 0 rg BT 269.91 242.50 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 278.58 247.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 282.48 242.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 222.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.56 222.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.79 222.10 Td (for ) Tj ET Q q 0 0 0 rg BT 136.69 222.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.91 222.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.48 222.10 Td (was ) Tj ET Q q 0 0 0 rg BT 220.04 222.10 Td (a ) Tj ET Q q 0 0 0 rg BT 228.27 222.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 264.49 222.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.39 222.10 Td ($19 ) Tj ET Q q 0 0 0 rg BT 298.29 222.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 338.86 222.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 389.07 222.10 Td (with ) Tj ET Q q 0 0 0 rg BT 413.31 222.10 Td (a ) Tj ET Q q 0 0 0 rg BT 421.53 222.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 457.75 222.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.65 222.10 Td ($445 ) Tj ET Q q 0 0 0 rg BT 497.55 222.10 Td (million ) Tj ET Q q 0 0 0 rg BT 535.12 222.10 Td (in ) Tj ET Q q 0 0 0 rg BT 547.36 222.10 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 207.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 75.98 207.70 Td (year) Tj ET Q q 0 0 0 rg BT 95.96 207.70 Td (. ) Tj ET Q q 0 0 0 rg BT 101.42 207.70 Td (The ) Tj ET Q q 0 0 0 rg BT 122.73 207.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 148.71 207.70 Td (year ) Tj ET Q q 0 0 0 rg BT 172.01 207.70 Td (included ) Tj ET Q q 0 0 0 rg BT 215.98 207.70 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 267.93 207.70 Td (and ) Tj ET Q q 0 0 0 rg BT 287.91 207.70 Td (a ) Tj ET Q q 0 0 0 rg BT 295.89 207.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 343.86 207.70 Td (in ) Tj ET Q q 0 0 0 rg BT 355.84 207.70 Td (the ) Tj ET Q q 0 0 0 rg BT 373.15 207.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 424.44 207.70 Td (for ) Tj ET Q q 0 0 0 rg BT 441.09 207.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 471.05 207.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 505.38 207.70 Td (both ) Tj ET Q q 0 0 0 rg BT 529.36 207.70 Td (related ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 193.30 Td (to ) Tj ET Q q 0 0 0 rg BT 62.58 193.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 98.47 193.30 Td (restructured ) Tj ET Q q 0 0 0 rg BT 159.03 193.30 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 234.26 193.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 265.60 193.30 Td (The ) Tj ET Q q 0 0 0 rg BT 287.51 193.30 Td (ratio ) Tj ET Q q 0 0 0 rg BT 312.75 193.30 Td (of ) Tj ET Q q 0 0 0 rg BT 325.99 193.30 Td (the ) Tj ET Q q 0 0 0 rg BT 343.90 193.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 395.79 193.30 Td (for ) Tj ET Q q 0 0 0 rg BT 413.03 193.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 436.94 193.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 468.86 193.30 Td (to ) Tj ET Q q 0 0 0 rg BT 481.44 193.30 Td (period-end ) Tj ET Q q 0 0 0 rg BT 536.67 193.30 Td (loans ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 178.90 Td (retained ) Tj ET Q q 0 0 0 rg BT 92.07 178.90 Td (was ) Tj ET Q q 0 0 0 rg BT 114.16 178.90 Td (1.15%, ) Tj ET Q q 0 0 0 rg BT 151.58 178.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 202.31 178.90 Td (with ) Tj ET Q q 0 0 0 rg BT 227.07 178.90 Td (1.19% ) Tj ET Q q 0 0 0 rg BT 261.50 178.90 Td (in ) Tj ET Q q 0 0 0 rg BT 274.26 178.90 Td (the ) Tj ET Q q 0 0 0 rg BT 292.34 178.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 319.10 178.90 Td (year) Tj ET Q q 0 0 0 rg BT 339.08 178.90 Td (. ) Tj ET Q q 0 0 0 rg BT 345.51 178.90 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 398.26 178.90 Td (the ) Tj ET Q q 0 0 0 rg BT 416.35 178.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 452.43 178.90 Td (of ) Tj ET Q q 0 0 0 rg BT 465.85 178.90 Td (the ) Tj ET Q q 0 0 0 rg BT 483.94 178.90 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 552.02 178.90 Td (of ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 164.50 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 141.92 164.50 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 199.85 164.50 Td (conduits ) Tj ET Q q 0 0 0 rg BT 243.13 164.50 Td (and ) Tj ET Q q 0 0 0 rg BT 263.06 164.50 Td (trade ) Tj ET Q q 0 0 0 rg BT 289.66 164.50 Td (finance ) Tj ET Q q 0 0 0 rg BT 327.58 164.50 Td (loans, ) Tj ET Q q 0 0 0 rg BT 358.52 164.50 Td (the ) Tj ET Q q 0 0 0 rg BT 375.79 164.50 Td (ratio ) Tj ET Q q 0 0 0 rg BT 400.39 164.50 Td (of ) Tj ET Q q 0 0 0 rg BT 412.99 164.50 Td (the ) Tj ET Q q 0 0 0 rg BT 430.26 164.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 481.51 164.50 Td (for ) Tj ET Q q 0 0 0 rg BT 498.12 164.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 521.39 164.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.67 164.50 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 150.10 Td (period-end ) Tj ET Q q 0 0 0 rg BT 104.98 150.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 133.31 150.10 Td (retained) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 171.95 155.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 175.85 150.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.85 150.10 Td (was ) Tj ET Q q 0 0 0 rg BT 200.51 150.10 Td (2.02%, ) Tj ET Q q 0 0 0 rg BT 237.51 150.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 287.82 150.10 Td (with ) Tj ET Q q 0 0 0 rg BT 312.15 150.10 Td (2.52% ) Tj ET Q q 0 0 0 rg BT 346.15 150.10 Td (in ) Tj ET Q q 0 0 0 rg BT 358.48 150.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.14 150.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 402.47 150.10 Td (year) Tj ET Q q 0 0 0 rg BT 422.45 150.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 129.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.38 129.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 151.43 129.70 Td (was ) Tj ET Q q 0 0 0 rg BT 173.48 129.70 Td ($4.9 ) Tj ET Q q 0 0 0 rg BT 197.88 129.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 235.61 129.70 Td (down ) Tj ET Q q 0 0 0 rg BT 265.67 129.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 285.06 129.70 Td (from ) Tj ET Q q 0 0 0 rg BT 311.79 129.70 Td (the ) Tj ET Q q 0 0 0 rg BT 329.84 129.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.56 129.70 Td (year) Tj ET Q q 0 0 0 rg BT 376.73 129.70 Td (, ) Tj ET Q q 0 0 0 rg BT 383.13 129.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 431.18 129.70 Td (due ) Tj ET Q q 0 0 0 rg BT 451.90 129.70 Td (to ) Tj ET Q q 0 0 0 rg BT 464.63 129.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 495.34 129.70 Td (compensation ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 115.30 Td (expense. ) Tj ET Q q 0 0 0 rg BT 94.43 115.30 Td (The ) Tj ET Q q 0 0 0 rg BT 116.09 115.30 Td (compensation ) Tj ET Q q 0 0 0 rg BT 185.74 115.30 Td (ratio) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 207.73 120.74 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 209.68 115.30 Td (was ) Tj ET Q q 0 0 0 rg BT 231.34 115.30 Td (27%, ) Tj ET Q q 0 0 0 rg BT 259.34 115.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 309.66 115.30 Td (the ) Tj ET Q q 0 0 0 rg BT 327.32 115.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 362.97 115.30 Td (of ) Tj ET Q q 0 0 0 rg BT 375.97 115.30 Td (FV) Tj ET Q q 0 0 0 rg BT 389.76 115.30 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 398.43 120.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 402.33 115.30 Td ( ) Tj ET Q q 0 0 0 rg BT 405.33 115.30 Td (and ) Tj ET Q q 0 0 0 rg BT 425.65 115.30 Td (DV) Tj ET Q q 0 0 0 rg BT 441.44 115.30 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 450.10 120.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 454.00 115.30 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 80.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 80.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 80.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 80.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 80.50 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 71.54 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 71.54 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 71.54 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 71.54 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 71.54 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 71.54 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 71.54 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 71.54 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 71.54 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 71.54 Td (noted, ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 257.31 71.54 Td (and ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 271.40 71.54 Td (all ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 281.58 71.54 Td (rankings ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 312.14 71.54 Td (are ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 324.49 71.54 Td (according ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 358.50 71.54 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 366.51 71.54 Td (Dealogic\)) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I46 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (Return ) Tj ET Q q 0 0 0 rg BT 140.28 740.70 Td (on ) Tj ET Q q 0 0 0 rg BT 155.90 740.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 189.52 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 211.80 740.70 Td (6% ) Tj ET Q q 0 0 0 rg BT 231.42 740.70 Td (on ) Tj ET Q q 0 0 0 rg BT 247.04 740.70 Td ($56.5billion ) Tj ET Q q 0 0 0 rg BT 312.00 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 325.61 740.70 Td (average ) Tj ET Q q 0 0 0 rg BT 366.54 740.70 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.46 740.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 449.06 740.70 Td (\(15% ) Tj ET Q q 0 0 0 rg BT 478.68 740.70 Td (excluding ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (FV) Tj ET Q q 0 0 0 rg BT 117.79 726.30 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 126.46 731.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 130.36 726.30 Td ( ) Tj ET Q q 0 0 0 rg BT 133.36 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 153.68 726.30 Td (DV) Tj ET Q q 0 0 0 rg BT 169.47 726.30 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 178.14 731.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 182.04 726.30 Td (\).) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.31 cm /I47 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.66 711.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.66 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 170.99 711.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 206.65 711.90 Td (Investment ) Tj ET Q q 0 0 0 rg BT 262.97 711.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 306.63 711.90 Td (Fees ) Tj ET Q q 0 0 0 rg BT 331.63 711.90 Td (for ) Tj ET Q q 0 0 0 rg BT 348.62 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 366.28 711.90 Td (year ) Tj ET Q q 0 0 0 rg BT 389.93 711.90 Td (ended ) Tj ET Q q 0 0 0 rg BT 421.58 711.90 Td (December ) Tj ET Q q 0 0 0 rg BT 473.88 711.90 Td (31, ) Tj ET Q q 0 0 0 rg BT 491.88 711.90 Td (2013.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 694.91 cm /I48 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 697.50 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.47 697.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.29 697.50 Td (in ) Tj ET Q q 0 0 0 rg BT 170.44 697.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 205.91 697.50 Td (Debt, ) Tj ET Q q 0 0 0 rg BT 235.05 697.50 Td (Equity ) Tj ET Q q 0 0 0 rg BT 269.87 697.50 Td (and ) Tj ET Q q 0 0 0 rg BT 290.01 697.50 Td (Equity-related; ) Tj ET Q q 0 0 0 rg BT 364.79 697.50 Td (#1 ) Tj ET Q q 0 0 0 rg BT 379.61 697.50 Td (in ) Tj ET Q q 0 0 0 rg BT 391.76 697.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 427.24 697.50 Td (Long-T) Tj ET Q q 0 0 0 rg BT 463.05 697.50 Td (erm ) Tj ET Q q 0 0 0 rg BT 484.53 697.50 Td (Debt; ) Tj ET Q q 0 0 0 rg BT 514.00 697.50 Td (#1 ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 683.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.14 683.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 149.61 683.10 Td (Syndicated ) Tj ET Q q 0 0 0 rg BT 204.74 683.10 Td (Loans; ) Tj ET Q q 0 0 0 rg BT 239.21 683.10 Td (#2 ) Tj ET Q q 0 0 0 rg BT 253.02 683.10 Td (in ) Tj ET Q q 0 0 0 rg BT 264.16 683.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 298.23 683.10 Td (Announced ) Tj ET Q q 0 0 0 rg BT 355.36 683.10 Td (M&A; ) Tj ET Q q 0 0 0 rg BT 389.17 683.10 Td (#1 ) Tj ET Q q 0 0 0 rg BT 402.98 683.10 Td (in ) Tj ET Q q 0 0 0 rg BT 414.13 683.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 436.88 683.10 Td (Announced ) Tj ET Q q 0 0 0 rg BT 494.00 683.10 Td (M&A; ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 123.05 668.70 Td (#2 ) Tj ET Q q 0 0 0 rg BT 136.78 668.70 Td (in ) Tj ET Q q 0 0 0 rg BT 147.84 668.70 Td (Global ) Tj ET Q q 0 0 0 rg BT 182.22 668.70 Td (Equity ) Tj ET Q q 0 0 0 rg BT 215.95 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 235.00 668.70 Td (Equity-related, ) Tj ET Q q 0 0 0 rg BT 308.36 668.70 Td (based ) Tj ET Q q 0 0 0 rg BT 337.41 668.70 Td (on ) Tj ET Q q 0 0 0 rg BT 351.13 668.70 Td (volume, ) Tj ET Q q 0 0 0 rg BT 391.85 668.70 Td (for ) Tj ET Q q 0 0 0 rg BT 407.57 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 423.96 668.70 Td (year ) Tj ET Q q 0 0 0 rg BT 446.33 668.70 Td (ended ) Tj ET Q q 0 0 0 rg BT 476.71 668.70 Td (December ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 654.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 122.00 654.30 Td (2013.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 637.31 cm /I49 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 639.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 639.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.06 639.90 Td (client ) Tj ET Q q 0 0 0 rg BT 177.02 639.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 219.66 639.90 Td (and ) Tj ET Q q 0 0 0 rg BT 240.29 639.90 Td (other ) Tj ET Q q 0 0 0 rg BT 268.26 639.90 Td (third-party ) Tj ET Q q 0 0 0 rg BT 322.88 639.90 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 370.85 639.90 Td (were ) Tj ET Q q 0 0 0 rg BT 397.47 639.90 Td (a ) Tj ET Q q 0 0 0 rg BT 406.11 639.90 Td (record ) Tj ET Q q 0 0 0 rg BT 440.06 639.90 Td ($421.6 ) Tj ET Q q 0 0 0 rg BT 476.37 639.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 514.01 639.90 Td (up ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 625.50 Td (15% ) Tj ET Q q 0 0 0 rg BT 129.00 625.50 Td (from ) Tj ET Q q 0 0 0 rg BT 155.32 625.50 Td (the ) Tj ET Q q 0 0 0 rg BT 172.98 625.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 199.31 625.50 Td (year ) Tj ET Q q 0 0 0 rg BT 222.96 625.50 Td (and ) Tj ET Q q 0 0 0 rg BT 243.28 625.50 Td (9% ) Tj ET Q q 0 0 0 rg BT 262.28 625.50 Td (from ) Tj ET Q q 0 0 0 rg BT 288.61 625.50 Td (the ) Tj ET Q q 0 0 0 rg BT 306.27 625.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 332.59 625.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 365.91 625.50 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 608.51 cm /I50 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 611.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 137.68 611.10 Td (under ) Tj ET Q q 0 0 0 rg BT 167.34 611.10 Td (custody ) Tj ET Q q 0 0 0 rg BT 207.01 611.10 Td (were ) Tj ET Q q 0 0 0 rg BT 232.67 611.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.33 611.10 Td (record ) Tj ET Q q 0 0 0 rg BT 273.32 611.10 Td ($20.5 ) Tj ET Q q 0 0 0 rg BT 302.66 611.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 340.67 611.10 Td (up ) Tj ET Q q 0 0 0 rg BT 355.01 611.10 Td (9% ) Tj ET Q q 0 0 0 rg BT 373.34 611.10 Td (from ) Tj ET Q q 0 0 0 rg BT 399.01 611.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.01 611.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.68 611.10 Td (year ) Tj ET Q q 0 0 0 rg BT 464.67 611.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.33 611.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 502.67 611.10 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 596.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 596.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 596.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 596.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 579.71 cm /I51 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 582.30 Td (International ) Tj ET Q q 0 0 0 rg BT 168.35 582.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 209.38 582.30 Td (represented ) Tj ET Q q 0 0 0 rg BT 267.72 582.30 Td (45% ) Tj ET Q q 0 0 0 rg BT 292.77 582.30 Td (of ) Tj ET Q q 0 0 0 rg BT 305.81 582.30 Td (total ) Tj ET Q q 0 0 0 rg BT 330.18 582.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 371.21 582.30 Td (\(47% ) Tj ET Q q 0 0 0 rg BT 400.24 582.30 Td (of ) Tj ET Q q 0 0 0 rg BT 413.29 582.30 Td (total ) Tj ET Q q 0 0 0 rg BT 437.66 582.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 478.68 582.30 Td (excluding ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 567.90 Td (FV) Tj ET Q q 0 0 0 rg BT 117.79 567.90 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 126.46 573.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 130.36 567.90 Td ( ) Tj ET Q q 0 0 0 rg BT 133.36 567.90 Td (and ) Tj ET Q q 0 0 0 rg BT 153.68 567.90 Td (DV) Tj ET Q q 0 0 0 rg BT 169.47 567.90 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 178.14 573.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 182.04 567.90 Td (\).) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 550.91 cm /I52 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 553.50 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.06 553.50 Td (total ) Tj ET Q q 0 0 0 rg BT 182.80 553.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 210.54 553.50 Td (were ) Tj ET Q q 0 0 0 rg BT 236.26 553.50 Td ($107.5 ) Tj ET Q q 0 0 0 rg BT 271.67 553.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 308.41 553.50 Td (down ) Tj ET Q q 0 0 0 rg BT 337.48 553.50 Td (7% ) Tj ET Q q 0 0 0 rg BT 355.89 553.50 Td (from ) Tj ET Q q 0 0 0 rg BT 381.62 553.50 Td (the ) Tj ET Q q 0 0 0 rg BT 398.69 553.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 424.43 553.50 Td (year ) Tj ET Q q 0 0 0 rg BT 447.48 553.50 Td (and ) Tj ET Q q 0 0 0 rg BT 467.22 553.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 485.62 553.50 Td (from ) Tj ET Q q 0 0 0 rg BT 511.35 553.50 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 539.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 131.08 539.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 164.40 539.10 Td (. ) Tj ET Q q 0 0 0 rg BT 171.15 539.10 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 230.21 539.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 259.29 539.10 Td (were ) Tj ET Q q 0 0 0 rg BT 286.36 539.10 Td ($343 ) Tj ET Q q 0 0 0 rg BT 314.11 539.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 355.54 539.10 Td (down ) Tj ET Q q 0 0 0 rg BT 385.96 539.10 Td (57% ) Tj ET Q q 0 0 0 rg BT 411.71 539.10 Td (from ) Tj ET Q q 0 0 0 rg BT 438.79 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.20 539.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 484.29 539.10 Td (year ) Tj ET Q q 0 0 0 rg BT 508.69 539.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 524.70 Td (1) Tj ET Q q 0 0 0 rg BT 109.55 524.70 Td (1% ) Tj ET Q q 0 0 0 rg BT 128.55 524.70 Td (from ) Tj ET Q q 0 0 0 rg BT 154.88 524.70 Td (the ) Tj ET Q q 0 0 0 rg BT 172.54 524.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 198.86 524.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 232.18 524.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 507.71 cm /I53 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 510.30 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 510.30 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 510.30 Td (was ) Tj ET Q q 0 0 0 rg BT 200.29 510.30 Td (81% ) Tj ET Q q 0 0 0 rg BT 225.29 510.30 Td (\(61% ) Tj ET Q q 0 0 0 rg BT 254.28 510.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 304.60 510.30 Td (FV) Tj ET Q q 0 0 0 rg BT 318.39 510.30 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 327.06 515.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 330.96 510.30 Td ( ) Tj ET Q q 0 0 0 rg BT 333.96 510.30 Td (and ) Tj ET Q q 0 0 0 rg BT 354.29 510.30 Td (DV) Tj ET Q q 0 0 0 rg BT 370.07 510.30 Td (A) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 378.74 515.74 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 382.64 510.30 Td (\).) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 474.90 Td (COMMERCIAL) Tj ET Q q 0 0 0 rg BT 131.58 474.90 Td ( BANKING \(CB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 464.4 m 50.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 464.4 m 231.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 464.4 m 231.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 464.4 m 276.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 464.4 m 280.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 464.4 m 280.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 464.4 m 325.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 464.4 m 329.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 464.4 m 329.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 464.4 m 374.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 464.4 m 378.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 464.4 m 378.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 464.4 m 423.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 449.4 m 423.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 464.4 m 468.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 449.4 m 468.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 464.4 m 472.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 449.4 m 472.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 464.4 m 472.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 464.4 m 517.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 449.4 m 517.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 464.4 m 562.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 464.4 m 562.5 464.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 449.4 m 562.5 449.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 449.4 m 50.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 434.4 m 231.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 449.4 m 231.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 434.4 m 276.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 434.4 m 280.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 449.4 m 280.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 434.4 m 325.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 434.4 m 329.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 449.4 m 329.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 434.4 m 374.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 434.4 m 378.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 449.4 m 378.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 434.4 m 423.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 449.4 m 423.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 434.4 m 468.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 434.4 m 472.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 449.4 m 472.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 434.4 m 517.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 449.4 m 517.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 449.4 m 562.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 434.4 m 562.5 434.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 434.4 m 50.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 419.4 m 231.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 434.4 m 231.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 419.4 m 276.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 419.4 m 280.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 434.4 m 280.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 419.4 m 325.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 419.4 m 329.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 434.4 m 329.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 419.4 m 374.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 419.4 m 378.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 434.4 m 378.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 419.4 m 423.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 434.4 m 423.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 419.4 m 468.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 419.4 m 472.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 434.4 m 472.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 419.4 m 517.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 434.4 m 517.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 434.4 m 562.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 419.4 m 562.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 419.4 m 50.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 404.4 m 231.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 419.4 m 231.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 404.4 m 276.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 404.4 m 280.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 419.4 m 280.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 404.4 m 325.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 404.4 m 329.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 419.4 m 329.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 404.4 m 374.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 404.4 m 378.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 419.4 m 378.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 404.4 m 423.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 419.4 m 423.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 404.4 m 468.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 404.4 m 472.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 419.4 m 472.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 404.4 m 517.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 419.4 m 517.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 419.4 m 562.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 404.4 m 562.5 404.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 404.4 m 50.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 389.4 m 231.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 404.4 m 231.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 389.4 m 276.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 389.4 m 280.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 404.4 m 280.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 389.4 m 325.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 389.4 m 329.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 404.4 m 329.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 389.4 m 374.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 389.4 m 378.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 404.4 m 378.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 389.4 m 423.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 404.4 m 423.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 389.4 m 468.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 389.4 m 472.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 404.4 m 472.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 389.4 m 517.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 404.4 m 517.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 404.4 m 562.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 389.4 m 562.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 389.4 m 50.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 374.4 m 231.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 389.4 m 231.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 374.4 m 276.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 374.4 m 280.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 389.4 m 280.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 374.4 m 325.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 374.4 m 329.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 389.4 m 329.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 374.4 m 374.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 374.4 m 378.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 389.4 m 378.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 374.4 m 423.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 389.4 m 423.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 374.4 m 468.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 374.4 m 472.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 389.4 m 472.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 374.4 m 517.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 389.4 m 517.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 389.4 m 562.5 374.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 374.4 m 562.5 374.4 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 454.27 Td (Results for CB) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 454.27 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 454.27 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 439.27 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 439.27 Td (4Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 439.27 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 439.27 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 439.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 439.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 439.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 439.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 424.27 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 424.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 424.27 Td (1,847) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 424.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 424.27 Td (1,725) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 424.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 424.27 Td (1,745) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 424.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 424.27 Td (122) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 453.30 424.27 Td (7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 424.27 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 424.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 424.27 Td (102) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 547.30 424.27 Td (6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 424.27 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 409.27 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 261.25 409.27 Td (43) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 306.60 409.27 Td (\(41) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 409.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 361.10 409.27 Td (\(3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 370.30 409.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 408.25 409.27 Td (84) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 409.27 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 502.25 409.27 Td (46) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 409.27 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 394.27 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 394.27 Td (653) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 394.27 Td (661) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 394.27 Td (599) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.10 394.27 Td (\(8) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 394.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.60 394.27 Td (\(1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 394.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 502.25 394.27 Td (54) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 547.30 394.27 Td (9) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 379.27 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 379.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 379.27 Td (693) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 379.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 379.27 Td (665) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 379.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 379.27 Td (692) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 379.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 408.25 379.27 Td (28) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 453.30 379.27 Td (4) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 379.27 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 379.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 507.80 379.27 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.10 379.27 Td (-) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 348.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 348.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 348.50 Td (Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.54 334.10 Td (income ) Tj ET Q q 0 0 0 rg BT 107.06 334.10 Td (was ) Tj ET Q q 0 0 0 rg BT 127.94 334.10 Td ($693 ) Tj ET Q q 0 0 0 rg BT 154.14 334.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 194.02 334.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 212.22 334.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 261.74 334.10 Td (with ) Tj ET Q q 0 0 0 rg BT 285.28 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.15 334.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 327.69 334.10 Td (year) Tj ET Q q 0 0 0 rg BT 347.86 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 353.06 334.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 401.25 334.10 Td (an ) Tj ET Q q 0 0 0 rg BT 414.78 334.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 456.29 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 467.84 334.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 523.37 334.10 Td (expense ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 319.70 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 319.70 Td (a ) Tj ET Q q 0 0 0 rg BT 78.65 319.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 112.31 319.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 160.64 319.70 Td (for ) Tj ET Q q 0 0 0 rg BT 177.63 319.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 207.95 319.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 242.62 319.70 Td (of) Tj ET Q q 0 0 0 rg BT 252.40 319.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 272.73 319.70 Td (by ) Tj ET Q q 0 0 0 rg BT 287.73 319.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 321.38 319.70 Td (net ) Tj ET Q q 0 0 0 rg BT 339.04 319.70 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 299.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.04 299.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.73 299.30 Td (was ) Tj ET Q q 0 0 0 rg BT 132.11 299.30 Td ($1.8billion, ) Tj ET Q q 0 0 0 rg BT 193.16 299.30 Td (an ) Tj ET Q q 0 0 0 rg BT 207.20 299.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 249.22 299.30 Td (of ) Tj ET Q q 0 0 0 rg BT 261.94 299.30 Td ($102 ) Tj ET Q q 0 0 0 rg BT 288.65 299.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 329.04 299.30 Td (or ) Tj ET Q q 0 0 0 rg BT 341.75 299.30 Td (6%, ) Tj ET Q q 0 0 0 rg BT 363.46 299.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 413.49 299.30 Td (with ) Tj ET Q q 0 0 0 rg BT 437.54 299.30 Td (the ) Tj ET Q q 0 0 0 rg BT 454.91 299.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 480.95 299.30 Td (year) Tj ET Q q 0 0 0 rg BT 500.94 299.30 Td (. ) Tj ET Q q 0 0 0 rg BT 506.66 299.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.70 299.30 Td (interest ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 284.90 Td (income ) Tj ET Q q 0 0 0 rg BT 87.86 284.90 Td (was ) Tj ET Q q 0 0 0 rg BT 109.05 284.90 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 132.59 284.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 169.46 284.90 Td (an ) Tj ET Q q 0 0 0 rg BT 183.32 284.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 225.16 284.90 Td (of ) Tj ET Q q 0 0 0 rg BT 237.69 284.90 Td ($56 ) Tj ET Q q 0 0 0 rg BT 258.23 284.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 298.44 284.90 Td (or ) Tj ET Q q 0 0 0 rg BT 310.97 284.90 Td (5%, ) Tj ET Q q 0 0 0 rg BT 332.50 284.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 382.34 284.90 Td (with ) Tj ET Q q 0 0 0 rg BT 406.21 284.90 Td (the ) Tj ET Q q 0 0 0 rg BT 423.41 284.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 449.27 284.90 Td (year) Tj ET Q q 0 0 0 rg BT 469.44 284.90 Td (, ) Tj ET Q q 0 0 0 rg BT 474.97 284.90 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 523.48 284.90 Td (the ) Tj ET Q q 0 0 0 rg BT 540.68 284.90 Td (one-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 270.50 Td (time ) Tj ET Q q 0 0 0 rg BT 73.95 270.50 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 119.23 270.50 Td (from ) Tj ET Q q 0 0 0 rg BT 145.18 270.50 Td (a ) Tj ET Q q 0 0 0 rg BT 153.13 270.50 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 228.39 270.50 Td (workout ) Tj ET Q q 0 0 0 rg BT 271.01 270.50 Td (and ) Tj ET Q q 0 0 0 rg BT 290.97 270.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 324.25 270.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 347.53 270.50 Td (and ) Tj ET Q q 0 0 0 rg BT 367.49 270.50 Td (liability ) Tj ET Q q 0 0 0 rg BT 407.44 270.50 Td (balances, ) Tj ET Q q 0 0 0 rg BT 454.38 270.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 496.99 270.50 Td (of) Tj ET Q q 0 0 0 rg BT 506.77 270.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 526.72 270.50 Td (by ) Tj ET Q q 0 0 0 rg BT 541.35 270.50 Td (loan ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 83.92 256.10 Td (compression ) Tj ET Q q 0 0 0 rg BT 147.17 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 167.09 256.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 197.01 256.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 242.25 256.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 290.18 256.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 345.42 256.10 Td (on ) Tj ET Q q 0 0 0 rg BT 360.01 256.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 383.27 256.10 Td (repayments. ) Tj ET Q q 0 0 0 rg BT 444.18 256.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 502.76 256.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 543.34 256.10 Td (was ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 241.70 Td ($624million, ) Tj ET Q q 0 0 0 rg BT 117.40 241.70 Td (an ) Tj ET Q q 0 0 0 rg BT 131.46 241.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 173.49 241.70 Td (of ) Tj ET Q q 0 0 0 rg BT 186.22 241.70 Td ($46 ) Tj ET Q q 0 0 0 rg BT 206.95 241.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 247.35 241.70 Td (or ) Tj ET Q q 0 0 0 rg BT 260.08 241.70 Td (8%, ) Tj ET Q q 0 0 0 rg BT 281.80 241.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 331.84 241.70 Td (with ) Tj ET Q q 0 0 0 rg BT 355.91 241.70 Td (the ) Tj ET Q q 0 0 0 rg BT 373.30 241.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 399.35 241.70 Td (year) Tj ET Q q 0 0 0 rg BT 419.52 241.70 Td (, ) Tj ET Q q 0 0 0 rg BT 425.25 241.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 473.96 241.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 507.34 241.70 Td (community ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 227.30 Td (development-related ) Tj ET Q q 0 0 0 rg BT 151.62 227.30 Td (revenue.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 206.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 95.01 206.90 Td (from ) Tj ET Q q 0 0 0 rg BT 121.37 206.90 Td (Middle ) Tj ET Q q 0 0 0 rg BT 159.06 206.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 196.75 206.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 240.44 206.90 Td (was ) Tj ET Q q 0 0 0 rg BT 262.14 206.90 Td ($744 ) Tj ET Q q 0 0 0 rg BT 289.17 206.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 329.87 206.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 348.89 206.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 399.23 206.90 Td (with ) Tj ET Q q 0 0 0 rg BT 423.59 206.90 Td (the ) Tj ET Q q 0 0 0 rg BT 441.28 206.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 467.64 206.90 Td (year) Tj ET Q q 0 0 0 rg BT 487.63 206.90 Td (. ) Tj ET Q q 0 0 0 rg BT 493.66 206.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 538.67 206.90 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 192.50 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 101.10 192.50 Td (Client ) Tj ET Q q 0 0 0 rg BT 133.54 192.50 Td (Banking ) Tj ET Q q 0 0 0 rg BT 177.32 192.50 Td (was ) Tj ET Q q 0 0 0 rg BT 199.09 192.50 Td ($488million, ) Tj ET Q q 0 0 0 rg BT 266.87 192.50 Td (flat ) Tj ET Q q 0 0 0 rg BT 285.98 192.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 336.40 192.50 Td (with ) Tj ET Q q 0 0 0 rg BT 360.85 192.50 Td (the ) Tj ET Q q 0 0 0 rg BT 378.62 192.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 405.06 192.50 Td (year) Tj ET Q q 0 0 0 rg BT 425.04 192.50 Td (. ) Tj ET Q q 0 0 0 rg BT 431.16 192.50 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 476.25 192.50 Td (from ) Tj ET Q q 0 0 0 rg BT 502.69 192.50 Td (Commercial ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (T) Tj ET Q q 0 0 0 rg BT 56.49 178.10 Td (erm ) Tj ET Q q 0 0 0 rg BT 78.31 178.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 121.47 178.10 Td (was ) Tj ET Q q 0 0 0 rg BT 143.30 178.10 Td ($298million, ) Tj ET Q q 0 0 0 rg BT 211.13 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 219.62 178.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 264.09 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.25 178.10 Td ($14 ) Tj ET Q q 0 0 0 rg BT 298.41 178.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 339.25 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 352.41 178.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 374.57 178.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 425.05 178.10 Td (with ) Tj ET Q q 0 0 0 rg BT 449.55 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.37 178.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 493.86 178.10 Td (year) Tj ET Q q 0 0 0 rg BT 513.85 178.10 Td (. ) Tj ET Q q 0 0 0 rg BT 520.02 178.10 Td (Revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 163.70 Td (from ) Tj ET Q q 0 0 0 rg BT 76.79 163.70 Td (Real ) Tj ET Q q 0 0 0 rg BT 102.25 163.70 Td (Estate ) Tj ET Q q 0 0 0 rg BT 135.03 163.70 Td (Banking ) Tj ET Q q 0 0 0 rg BT 179.16 163.70 Td (was ) Tj ET Q q 0 0 0 rg BT 201.29 163.70 Td ($206million, ) Tj ET Q q 0 0 0 rg BT 269.43 163.70 Td (an ) Tj ET Q q 0 0 0 rg BT 284.22 163.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 326.99 163.70 Td (of ) Tj ET Q q 0 0 0 rg BT 340.45 163.70 Td ($93 ) Tj ET Q q 0 0 0 rg BT 361.92 163.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 403.05 163.70 Td (or ) Tj ET Q q 0 0 0 rg BT 416.52 163.70 Td (82%, ) Tj ET Q q 0 0 0 rg BT 444.98 163.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 495.75 163.70 Td (with ) Tj ET Q q 0 0 0 rg BT 520.55 163.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 163.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 149.30 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 149.30 Td (, ) Tj ET Q q 0 0 0 rg BT 76.17 149.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 109.82 149.30 Td (by ) Tj ET Q q 0 0 0 rg BT 124.82 149.30 Td (the ) Tj ET Q q 0 0 0 rg BT 142.48 149.30 Td (one-time ) Tj ET Q q 0 0 0 rg BT 188.13 149.30 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 233.78 149.30 Td (from ) Tj ET Q q 0 0 0 rg BT 260.11 149.30 Td (a ) Tj ET Q q 0 0 0 rg BT 268.43 149.30 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 344.06 149.30 Td (workout.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 128.90 Td (The ) Tj ET Q q 0 0 0 rg BT 71.40 128.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.48 128.90 Td (for ) Tj ET Q q 0 0 0 rg BT 136.21 128.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.27 128.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.69 128.90 Td (was ) Tj ET Q q 0 0 0 rg BT 219.09 128.90 Td ($43 ) Tj ET Q q 0 0 0 rg BT 239.84 128.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 280.25 128.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 330.30 128.90 Td (with ) Tj ET Q q 0 0 0 rg BT 354.38 128.90 Td (a ) Tj ET Q q 0 0 0 rg BT 362.45 128.90 Td (benefit ) Tj ET Q q 0 0 0 rg BT 398.51 128.90 Td (of ) Tj ET Q q 0 0 0 rg BT 411.25 128.90 Td ($3 ) Tj ET Q q 0 0 0 rg BT 425.99 128.90 Td (million ) Tj ET Q q 0 0 0 rg BT 463.41 128.90 Td (in ) Tj ET Q q 0 0 0 rg BT 475.48 128.90 Td (the ) Tj ET Q q 0 0 0 rg BT 492.89 128.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 518.96 128.90 Td (year) Tj ET Q q 0 0 0 rg BT 538.94 128.90 Td (. ) Tj ET Q q 0 0 0 rg BT 544.69 128.90 Td (Net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 114.50 Td (char) Tj ET Q q 0 0 0 rg BT 70.43 114.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 95.53 114.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 108.39 114.50 Td (were ) Tj ET Q q 0 0 0 rg BT 135.90 114.50 Td ($25 ) Tj ET Q q 0 0 0 rg BT 158.09 114.50 Td (million ) Tj ET Q q 0 0 0 rg BT 196.95 114.50 Td (\(0.07% ) Tj ET Q q 0 0 0 rg BT 236.14 114.50 Td (net ) Tj ET Q q 0 0 0 rg BT 254.99 114.50 Td (char) Tj ET Q q 0 0 0 rg BT 275.42 114.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 300.52 114.50 Td (f ) Tj ET Q q 0 0 0 rg BT 308.71 114.50 Td (rate\), ) Tj ET Q q 0 0 0 rg BT 337.88 114.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 389.38 114.50 Td (with ) Tj ET Q q 0 0 0 rg BT 414.91 114.50 Td (net ) Tj ET Q q 0 0 0 rg BT 433.76 114.50 Td (char) Tj ET Q q 0 0 0 rg BT 454.19 114.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 479.30 114.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 492.15 114.50 Td (of ) Tj ET Q q 0 0 0 rg BT 506.34 114.50 Td ($50million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (\(0.16% ) Tj ET Q q 0 0 0 rg BT 88.11 100.10 Td (net ) Tj ET Q q 0 0 0 rg BT 105.89 100.10 Td (char) Tj ET Q q 0 0 0 rg BT 126.32 100.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 151.42 100.10 Td (f ) Tj ET Q q 0 0 0 rg BT 158.53 100.10 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 183.63 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 196.08 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.86 100.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 240.30 100.10 Td (year ) Tj ET Q q 0 0 0 rg BT 264.07 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.51 100.10 Td (net ) Tj ET Q q 0 0 0 rg BT 302.29 100.10 Td (char) Tj ET Q q 0 0 0 rg BT 322.72 100.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 347.82 100.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 359.60 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 372.72 100.10 Td ($16million ) Tj ET Q q 0 0 0 rg BT 431.50 100.10 Td (\(0.05% ) Tj ET Q q 0 0 0 rg BT 469.61 100.10 Td (net ) Tj ET Q q 0 0 0 rg BT 487.39 100.10 Td (char) Tj ET Q q 0 0 0 rg BT 507.82 100.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 532.92 100.10 Td (f ) Tj ET Q q 0 0 0 rg BT 540.04 100.10 Td (rate\) ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 85.70 Td (in ) Tj ET Q q 0 0 0 rg BT 61.63 85.70 Td (the ) Tj ET Q q 0 0 0 rg BT 78.58 85.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 104.20 85.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.52 85.70 Td (. ) Tj ET Q q 0 0 0 rg BT 142.65 85.70 Td (The ) Tj ET Q q 0 0 0 rg BT 163.60 85.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 214.53 85.70 Td (for ) Tj ET Q q 0 0 0 rg BT 230.82 85.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 253.77 85.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 284.73 85.70 Td (to ) Tj ET Q q 0 0 0 rg BT 296.36 85.70 Td (period-end ) Tj ET Q q 0 0 0 rg BT 350.63 85.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 378.26 85.70 Td (retained ) Tj ET Q q 0 0 0 rg BT 419.19 85.70 Td (was ) Tj ET Q q 0 0 0 rg BT 440.15 85.70 Td (1.97%, ) Tj ET Q q 0 0 0 rg BT 476.44 85.70 Td (down ) Tj ET Q q 0 0 0 rg BT 505.40 85.70 Td (from ) Tj ET Q q 0 0 0 rg BT 531.02 85.70 Td (2.06% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 71.30 Td (in ) Tj ET Q q 0 0 0 rg BT 63.51 71.30 Td (the ) Tj ET Q q 0 0 0 rg BT 82.34 71.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 109.84 71.30 Td (year ) Tj ET Q q 0 0 0 rg BT 134.67 71.30 Td (and ) Tj ET Q q 0 0 0 rg BT 156.17 71.30 Td (down ) Tj ET Q q 0 0 0 rg BT 187.01 71.30 Td (from ) Tj ET Q q 0 0 0 rg BT 214.51 71.30 Td (1.99% ) Tj ET Q q 0 0 0 rg BT 249.68 71.30 Td (in ) Tj ET Q q 0 0 0 rg BT 263.19 71.30 Td (the ) Tj ET Q q 0 0 0 rg BT 282.03 71.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 309.53 71.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 342.84 71.30 Td (. ) Tj ET Q q 0 0 0 rg BT 350.02 71.30 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 409.49 71.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 439.00 71.30 Td (were ) Tj ET Q q 0 0 0 rg BT 466.49 71.30 Td ($514million, ) Tj ET Q q 0 0 0 rg BT 535.33 71.30 Td (down ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 56.90 Td ($159million, ) Tj ET Q q 0 0 0 rg BT 117.67 56.90 Td (or ) Tj ET Q q 0 0 0 rg BT 130.67 56.90 Td (24%, ) Tj ET Q q 0 0 0 rg BT 158.66 56.90 Td (from ) Tj ET Q q 0 0 0 rg BT 184.99 56.90 Td (the ) Tj ET Q q 0 0 0 rg BT 202.65 56.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 228.97 56.90 Td (year) Tj ET Q q 0 0 0 rg BT 249.14 56.90 Td (, ) Tj ET Q q 0 0 0 rg BT 255.14 56.90 Td (and ) Tj ET Q q 0 0 0 rg BT 275.47 56.90 Td (down ) Tj ET Q q 0 0 0 rg BT 305.13 56.90 Td (by ) Tj ET Q q 0 0 0 rg BT 320.13 56.90 Td ($52 ) Tj ET Q q 0 0 0 rg BT 341.13 56.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 381.80 56.90 Td (or ) Tj ET Q q 0 0 0 rg BT 394.80 56.90 Td (9%, ) Tj ET Q q 0 0 0 rg BT 416.80 56.90 Td (from ) Tj ET Q q 0 0 0 rg BT 443.12 56.90 Td (the ) Tj ET Q q 0 0 0 rg BT 460.78 56.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 487.11 56.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 520.43 56.90 Td (.) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.96 740.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.59 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 172.23 740.70 Td ($653 ) Tj ET Q q 0 0 0 rg BT 199.20 740.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 239.85 740.70 Td (up ) Tj ET Q q 0 0 0 rg BT 254.83 740.70 Td (9% ) Tj ET Q q 0 0 0 rg BT 273.80 740.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 324.08 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 348.39 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 366.03 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 392.33 740.70 Td (year) Tj ET Q q 0 0 0 rg BT 412.50 740.70 Td (, ) Tj ET Q q 0 0 0 rg BT 418.48 740.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 467.43 740.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 501.06 740.70 Td (product- ) Tj ET Q q 0 0 0 rg BT 544.69 740.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (headcount-related) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 135.95 731.74 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 139.85 726.30 Td ( ) Tj ET Q q 0 0 0 rg BT 142.85 726.30 Td (expense.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 691.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 691.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 691.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 691.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 691.50 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 682.54 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 682.54 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 682.54 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 682.54 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 682.54 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 682.54 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 682.54 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 682.54 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 682.54 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 682.54 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 660.11 cm /I54 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.00 662.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 662.70 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 662.70 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 662.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 662.70 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 662.70 Td (20% ) Tj ET Q q 0 0 0 rg BT 234.31 662.70 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 662.70 Td ($13.5 ) Tj ET Q q 0 0 0 rg BT 279.31 662.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.65 662.70 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 662.70 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 662.70 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 662.70 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 645.71 cm /I55 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 648.30 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 648.30 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 648.30 Td (was ) Tj ET Q q 0 0 0 rg BT 200.29 648.30 Td (35%, ) Tj ET Q q 0 0 0 rg BT 228.29 648.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 278.60 648.30 Td (with ) Tj ET Q q 0 0 0 rg BT 302.93 648.30 Td (34% ) Tj ET Q q 0 0 0 rg BT 327.93 648.30 Td (in ) Tj ET Q q 0 0 0 rg BT 340.26 648.30 Td (the ) Tj ET Q q 0 0 0 rg BT 357.92 648.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 384.25 648.30 Td (year) Tj ET Q q 0 0 0 rg BT 404.23 648.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 631.31 cm /I56 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 633.90 Td (Gross ) Tj ET Q q 0 0 0 rg BT 136.13 633.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 192.92 633.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 235.71 633.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 277.82 633.90 Td (\(which ) Tj ET Q q 0 0 0 rg BT 315.27 633.90 Td (is ) Tj ET Q q 0 0 0 rg BT 327.41 633.90 Td (shared ) Tj ET Q q 0 0 0 rg BT 362.86 633.90 Td (with ) Tj ET Q q 0 0 0 rg BT 388.32 633.90 Td (the ) Tj ET Q q 0 0 0 rg BT 407.11 633.90 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 459.22 633.90 Td (& ) Tj ET Q q 0 0 0 rg BT 472.69 633.90 Td (Investment ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 619.50 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 137.58 619.50 Td (was ) Tj ET Q q 0 0 0 rg BT 160.49 619.50 Td (a ) Tj ET Q q 0 0 0 rg BT 170.07 619.50 Td (record ) Tj ET Q q 0 0 0 rg BT 204.97 619.50 Td ($502 ) Tj ET Q q 0 0 0 rg BT 233.22 619.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 275.14 619.50 Td (up ) Tj ET Q q 0 0 0 rg BT 291.40 619.50 Td (13% ) Tj ET Q q 0 0 0 rg BT 317.64 619.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 369.21 619.50 Td (with ) Tj ET Q q 0 0 0 rg BT 394.79 619.50 Td (the ) Tj ET Q q 0 0 0 rg BT 413.70 619.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.28 619.50 Td (year ) Tj ET Q q 0 0 0 rg BT 466.18 619.50 Td (and ) Tj ET Q q 0 0 0 rg BT 487.76 619.50 Td (up ) Tj ET Q q 0 0 0 rg BT 504.02 619.50 Td (12% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 605.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 605.10 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 605.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 605.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 255.95 605.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 588.11 cm /I57 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 590.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 590.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.69 590.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 170.29 590.70 Td (balances ) Tj ET Q q 0 0 0 rg BT 214.53 590.70 Td (were ) Tj ET Q q 0 0 0 rg BT 240.79 590.70 Td ($135.6 ) Tj ET Q q 0 0 0 rg BT 276.73 590.70 Td (billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 308.06 596.14 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 311.96 590.70 Td (, ) Tj ET Q q 0 0 0 rg BT 317.90 590.70 Td (up ) Tj ET Q q 0 0 0 rg BT 332.84 590.70 Td (8% ) Tj ET Q q 0 0 0 rg BT 351.77 590.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 402.02 590.70 Td (with ) Tj ET Q q 0 0 0 rg BT 426.29 590.70 Td (the ) Tj ET Q q 0 0 0 rg BT 443.89 590.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 470.16 590.70 Td (year ) Tj ET Q q 0 0 0 rg BT 493.74 590.70 Td (and ) Tj ET Q q 0 0 0 rg BT 514.01 590.70 Td (up ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 576.30 Td (3% ) Tj ET Q q 0 0 0 rg BT 123.00 576.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 173.30 576.30 Td (with ) Tj ET Q q 0 0 0 rg BT 197.64 576.30 Td (the ) Tj ET Q q 0 0 0 rg BT 215.30 576.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 241.63 576.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 274.94 576.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 559.31 cm /I58 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 561.90 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.75 561.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 183.52 561.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 227.93 561.90 Td (were ) Tj ET Q q 0 0 0 rg BT 254.35 561.90 Td ($137.1billion) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 321.68 567.34 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 325.58 561.90 Td (, ) Tj ET Q q 0 0 0 rg BT 331.68 561.90 Td (up ) Tj ET Q q 0 0 0 rg BT 346.79 561.90 Td (7% ) Tj ET Q q 0 0 0 rg BT 365.88 561.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 416.30 561.90 Td (with ) Tj ET Q q 0 0 0 rg BT 440.73 561.90 Td (the ) Tj ET Q q 0 0 0 rg BT 458.50 561.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 484.92 561.90 Td (year ) Tj ET Q q 0 0 0 rg BT 508.67 561.90 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 547.50 Td (up ) Tj ET Q q 0 0 0 rg BT 119.00 547.50 Td (1% ) Tj ET Q q 0 0 0 rg BT 138.00 547.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 188.30 547.50 Td (with ) Tj ET Q q 0 0 0 rg BT 212.64 547.50 Td (the ) Tj ET Q q 0 0 0 rg BT 230.30 547.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 256.63 547.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 289.94 547.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 530.51 cm /I59 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 533.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 533.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 149.17 533.10 Td (client ) Tj ET Q q 0 0 0 rg BT 181.25 533.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 226.01 533.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.76 533.10 Td (other ) Tj ET Q q 0 0 0 rg BT 278.84 533.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 335.58 533.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 385.66 533.10 Td (were ) Tj ET Q q 0 0 0 rg BT 414.40 533.10 Td ($205.3 ) Tj ET Q q 0 0 0 rg BT 452.82 533.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 492.58 533.10 Td (up ) Tj ET Q q 0 0 0 rg BT 510.00 533.10 Td (3% ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 518.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 518.70 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 518.70 Td (the ) Tj ET Q q 0 0 0 rg BT 196.30 518.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 222.63 518.70 Td (year ) Tj ET Q q 0 0 0 rg BT 246.28 518.70 Td (and ) Tj ET Q q 0 0 0 rg BT 266.60 518.70 Td (up ) Tj ET Q q 0 0 0 rg BT 281.60 518.70 Td (4% ) Tj ET Q q 0 0 0 rg BT 300.60 518.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 350.91 518.70 Td (with ) Tj ET Q q 0 0 0 rg BT 375.24 518.70 Td (the ) Tj ET Q q 0 0 0 rg BT 392.90 518.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 419.23 518.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 452.54 518.70 Td (.) 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378.5 457.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 472.8 m 423.5 472.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 457.8 m 423.5 457.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 472.8 m 468.5 472.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 457.8 m 468.5 457.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 472.8 m 472.5 472.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 457.8 m 472.5 457.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 472.8 m 472.5 457.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 472.8 m 517.5 472.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 457.8 m 517.5 457.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 472.8 m 562.5 457.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 472.8 m 562.5 472.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 457.8 m 562.5 457.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 457.8 m 50.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 442.8 m 231.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 457.8 m 231.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 442.8 m 276.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 442.8 m 280.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 457.8 m 280.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 442.8 m 325.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 442.8 m 329.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 457.8 m 329.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 442.8 m 374.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 442.8 m 378.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 457.8 m 378.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 442.8 m 423.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 457.8 m 423.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 442.8 m 468.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 442.8 m 472.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 457.8 m 472.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 442.8 m 517.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 457.8 m 517.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 457.8 m 562.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 442.8 m 562.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 442.8 m 50.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 427.8 m 231.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 442.8 m 231.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 427.8 m 276.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 427.8 m 280.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 442.8 m 280.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 427.8 m 325.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 427.8 m 329.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 442.8 m 329.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 427.8 m 374.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 427.8 m 378.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 442.8 m 378.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 427.8 m 423.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 442.8 m 423.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 427.8 m 468.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 427.8 m 472.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 442.8 m 472.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 427.8 m 517.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 442.8 m 517.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 442.8 m 562.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 427.8 m 562.5 427.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 427.8 m 50.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 412.8 m 231.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 427.8 m 231.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 412.8 m 276.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 412.8 m 280.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 427.8 m 280.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 412.8 m 325.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 412.8 m 329.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 427.8 m 329.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 412.8 m 374.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 412.8 m 378.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 427.8 m 378.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 412.8 m 423.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 427.8 m 423.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 412.8 m 468.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 412.8 m 472.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 427.8 m 472.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 412.8 m 517.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 427.8 m 517.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 427.8 m 562.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 412.8 m 562.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 412.8 m 50.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 397.8 m 231.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 412.8 m 231.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 397.8 m 276.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 397.8 m 280.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 412.8 m 280.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 397.8 m 325.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 397.8 m 329.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 412.8 m 329.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 397.8 m 374.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 397.8 m 378.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 412.8 m 378.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 397.8 m 423.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 412.8 m 423.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 397.8 m 468.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 397.8 m 472.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 412.8 m 472.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 397.8 m 517.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 412.8 m 517.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 412.8 m 562.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 412.8 m 562.5 412.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 397.8 m 562.5 397.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 397.8 m 50.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 382.8 m 231.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 397.8 m 231.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 382.8 m 276.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 382.8 m 280.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 397.8 m 280.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 382.8 m 325.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 382.8 m 329.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 397.8 m 329.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 382.8 m 374.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 382.8 m 378.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 397.8 m 378.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 382.8 m 423.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 397.8 m 423.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 382.8 m 468.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 382.8 m 472.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 397.8 m 472.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 382.8 m 517.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 397.8 m 517.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 397.8 m 562.5 382.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 382.8 m 562.5 382.8 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 462.67 Td (Results for AM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 462.67 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 462.67 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 447.67 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 447.67 Td (4Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 447.67 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 447.67 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 447.67 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 447.67 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 447.67 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 447.67 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 432.67 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 432.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 432.67 Td (3,179) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 432.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 432.67 Td (2,763) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 432.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 432.67 Td (2,753) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 432.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 432.67 Td (416) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.80 432.67 Td (15) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 432.67 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 432.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 432.67 Td (426) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 432.67 Td (15) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 432.67 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 417.67 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 261.25 417.67 Td (21) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 310.25 417.67 Td (? Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 359.25 417.67 Td (19) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 408.25 417.67 Td (21) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 417.67 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 507.80 417.67 Td (2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 417.67 Td (11) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 402.67 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 402.67 Td (2,245) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 402.67 Td (2,003) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 402.67 Td (1,943) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 402.67 Td (242) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.80 402.67 Td (12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 402.67 Td (302) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 402.67 Td (16) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 387.67 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 387.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 387.67 Td (568) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 387.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 387.67 Td (476) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 387.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 387.67 Td (483) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 387.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 408.25 387.67 Td (92) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.80 387.67 Td (19) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 387.67 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 387.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 502.25 387.67 Td (85) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 387.67 Td (18) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 387.67 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 354.50 Td (Discussion of Results: ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 163.02 354.50 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.21 340.10 Td (income ) Tj ET Q q 0 0 0 rg BT 108.41 340.10 Td (was ) Tj ET Q q 0 0 0 rg BT 129.95 340.10 Td ($568million, ) Tj ET Q q 0 0 0 rg BT 197.50 340.10 Td (an ) Tj ET Q q 0 0 0 rg BT 211.70 340.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 253.89 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.76 340.10 Td ($85 ) Tj ET Q q 0 0 0 rg BT 287.64 340.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 328.19 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 341.07 340.10 Td (18%, ) Tj ET Q q 0 0 0 rg BT 368.95 340.10 Td (from ) Tj ET Q q 0 0 0 rg BT 395.15 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.69 340.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 438.90 340.10 Td (year) Tj ET Q q 0 0 0 rg BT 459.07 340.10 Td (, ) Tj ET Q q 0 0 0 rg BT 464.95 340.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 513.80 340.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 547.33 340.10 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 325.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 93.97 325.70 Td (lar) Tj ET Q q 0 0 0 rg BT 106.41 325.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 130.07 325.70 Td (of) Tj ET Q q 0 0 0 rg BT 139.85 325.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 160.18 325.70 Td (by ) Tj ET Q q 0 0 0 rg BT 175.18 325.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 208.84 325.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 265.16 325.70 Td (expense.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 305.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.07 305.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.79 305.30 Td (was ) Tj ET Q q 0 0 0 rg BT 132.19 305.30 Td ($3.2billion, ) Tj ET Q q 0 0 0 rg BT 193.27 305.30 Td (an ) Tj ET Q q 0 0 0 rg BT 207.34 305.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 249.39 305.30 Td (of ) Tj ET Q q 0 0 0 rg BT 262.13 305.30 Td ($426million, ) Tj ET Q q 0 0 0 rg BT 329.54 305.30 Td (or ) Tj ET Q q 0 0 0 rg BT 342.28 305.30 Td (15%, ) Tj ET Q q 0 0 0 rg BT 370.02 305.30 Td (from ) Tj ET Q q 0 0 0 rg BT 396.09 305.30 Td (the ) Tj ET Q q 0 0 0 rg BT 413.50 305.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.57 305.30 Td (year) Tj ET Q q 0 0 0 rg BT 459.55 305.30 Td (. ) Tj ET Q q 0 0 0 rg BT 465.30 305.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.03 305.30 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 290.90 Td (was ) Tj ET Q q 0 0 0 rg BT 71.89 290.90 Td ($2.6billion, ) Tj ET Q q 0 0 0 rg BT 133.46 290.90 Td (up ) Tj ET Q q 0 0 0 rg BT 148.69 290.90 Td ($393 ) Tj ET Q q 0 0 0 rg BT 175.92 290.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 216.82 290.90 Td (or ) Tj ET Q q 0 0 0 rg BT 230.04 290.90 Td (18%, ) Tj ET Q q 0 0 0 rg BT 258.27 290.90 Td (from ) Tj ET Q q 0 0 0 rg BT 284.83 290.90 Td (the ) Tj ET Q q 0 0 0 rg BT 302.72 290.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 329.27 290.90 Td (year) Tj ET Q q 0 0 0 rg BT 349.44 290.90 Td (, ) Tj ET Q q 0 0 0 rg BT 355.67 290.90 Td (due ) Tj ET Q q 0 0 0 rg BT 376.23 290.90 Td (to ) Tj ET Q q 0 0 0 rg BT 388.79 290.90 Td (net ) Tj ET Q q 0 0 0 rg BT 406.68 290.90 Td (client ) Tj ET Q q 0 0 0 rg BT 436.56 290.90 Td (inflows, ) Tj ET Q q 0 0 0 rg BT 478.79 290.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 512.68 290.90 Td (valuations ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 276.50 Td (of ) Tj ET Q q 0 0 0 rg BT 62.75 276.50 Td (seed ) Tj ET Q q 0 0 0 rg BT 86.82 276.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 121.56 276.50 Td (investments ) Tj ET Q q 0 0 0 rg BT 181.64 276.50 Td (and ) Tj ET Q q 0 0 0 rg BT 201.72 276.50 Td (the ) Tj ET Q q 0 0 0 rg BT 219.13 276.50 Td (ef) Tj ET Q q 0 0 0 rg BT 228.23 276.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 248.97 276.50 Td (of ) Tj ET Q q 0 0 0 rg BT 261.72 276.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 295.13 276.50 Td (market ) Tj ET Q q 0 0 0 rg BT 331.19 276.50 Td (levels. ) Tj ET Q q 0 0 0 rg BT 364.94 276.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 385.02 276.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 423.09 276.50 Td (income ) Tj ET Q q 0 0 0 rg BT 461.16 276.50 Td (was ) Tj ET Q q 0 0 0 rg BT 482.58 276.50 Td ($585million, ) Tj ET Q q 0 0 0 rg BT 550.00 276.50 Td (up ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td ($33million, ) Tj ET Q q 0 0 0 rg BT 111.21 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 123.75 262.10 Td (6%, ) Tj ET Q q 0 0 0 rg BT 145.28 262.10 Td (from ) Tj ET Q q 0 0 0 rg BT 171.15 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.35 262.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 214.21 262.10 Td (year) Tj ET Q q 0 0 0 rg BT 234.38 262.10 Td (, ) Tj ET Q q 0 0 0 rg BT 239.92 262.10 Td (due ) Tj ET Q q 0 0 0 rg BT 259.79 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 271.66 262.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 304.86 262.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 328.06 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.93 262.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 385.13 262.10 Td (balances, ) Tj ET Q q 0 0 0 rg BT 431.98 262.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 474.50 262.10 Td (of) Tj ET Q q 0 0 0 rg BT 484.28 262.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 504.15 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 518.69 262.10 Td (narrower ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 247.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 73.66 247.70 Td (spreads.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 227.30 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 96.62 227.30 Td (from ) Tj ET Q q 0 0 0 rg BT 124.58 227.30 Td (Private ) Tj ET Q q 0 0 0 rg BT 163.21 227.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 208.51 227.30 Td (was ) Tj ET Q q 0 0 0 rg BT 231.81 227.30 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 257.45 227.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 296.42 227.30 Td (up ) Tj ET Q q 0 0 0 rg BT 313.06 227.30 Td (1) Tj ET Q q 0 0 0 rg BT 318.62 227.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 339.25 227.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 391.20 227.30 Td (with ) Tj ET Q q 0 0 0 rg BT 417.17 227.30 Td (the ) Tj ET Q q 0 0 0 rg BT 436.47 227.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 464.43 227.30 Td (year) Tj ET Q q 0 0 0 rg BT 484.42 227.30 Td (. ) Tj ET Q q 0 0 0 rg BT 492.05 227.30 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 538.67 227.30 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 212.90 Td (Institutional ) Tj ET Q q 0 0 0 rg BT 111.00 212.90 Td (was ) Tj ET Q q 0 0 0 rg BT 132.66 212.90 Td ($806 ) Tj ET Q q 0 0 0 rg BT 159.66 212.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 200.33 212.90 Td (up ) Tj ET Q q 0 0 0 rg BT 215.33 212.90 Td (1) Tj ET Q q 0 0 0 rg BT 220.88 212.90 Td (1%. ) Tj ET Q q 0 0 0 rg BT 242.88 212.90 Td (Retail ) Tj ET Q q 0 0 0 rg BT 274.54 212.90 Td (was ) Tj ET Q q 0 0 0 rg BT 296.20 212.90 Td ($770million, ) Tj ET Q q 0 0 0 rg BT 363.87 212.90 Td (up ) Tj ET Q q 0 0 0 rg BT 378.87 212.90 Td (32%.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 192.50 Td (Client ) Tj ET Q q 0 0 0 rg BT 82.93 192.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 114.53 192.50 Td (were ) Tj ET Q q 0 0 0 rg BT 141.44 192.50 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 166.04 192.50 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 205.30 192.50 Td (an ) Tj ET Q q 0 0 0 rg BT 220.23 192.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 263.13 192.50 Td (of ) Tj ET Q q 0 0 0 rg BT 276.73 192.50 Td ($248billion, ) Tj ET Q q 0 0 0 rg BT 341.66 192.50 Td (or ) Tj ET Q q 0 0 0 rg BT 355.26 192.50 Td (12%, ) Tj ET Q q 0 0 0 rg BT 383.85 192.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 434.76 192.50 Td (with ) Tj ET Q q 0 0 0 rg BT 459.69 192.50 Td (the ) Tj ET Q q 0 0 0 rg BT 477.95 192.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 504.88 192.50 Td (year) Tj ET Q q 0 0 0 rg BT 524.87 192.50 Td (. ) Tj ET Q q 0 0 0 rg BT 530.67 192.50 Td (Assets ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (under ) Tj ET Q q 0 0 0 rg BT 80.86 178.10 Td (management ) Tj ET Q q 0 0 0 rg BT 145.70 178.10 Td (were ) Tj ET Q q 0 0 0 rg BT 172.55 178.10 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 197.09 178.10 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 236.29 178.10 Td (an ) Tj ET Q q 0 0 0 rg BT 251.15 178.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 293.99 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.53 178.10 Td ($172 ) Tj ET Q q 0 0 0 rg BT 335.06 178.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 372.93 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 386.47 178.10 Td (12%, ) Tj ET Q q 0 0 0 rg BT 415.00 178.10 Td (from ) Tj ET Q q 0 0 0 rg BT 441.86 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.06 178.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.92 178.10 Td (year) Tj ET Q q 0 0 0 rg BT 507.09 178.10 Td (, ) Tj ET Q q 0 0 0 rg BT 513.62 178.10 Td (due ) Tj ET Q q 0 0 0 rg BT 534.49 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 547.36 178.10 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 163.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 88.44 163.70 Td (to ) Tj ET Q q 0 0 0 rg BT 100.21 163.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 149.97 163.70 Td (products ) Tj ET Q q 0 0 0 rg BT 193.74 163.70 Td (and ) Tj ET Q q 0 0 0 rg BT 213.50 163.70 Td (the ) Tj ET Q q 0 0 0 rg BT 230.60 163.70 Td (ef) Tj ET Q q 0 0 0 rg BT 239.71 163.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 260.13 163.70 Td (of ) Tj ET Q q 0 0 0 rg BT 272.56 163.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 305.66 163.70 Td (market ) Tj ET Q q 0 0 0 rg BT 341.41 163.70 Td (levels. ) Tj ET Q q 0 0 0 rg BT 374.84 163.70 Td (Custody) Tj ET Q q 0 0 0 rg BT 414.07 163.70 Td (, ) Tj ET Q q 0 0 0 rg BT 419.51 163.70 Td (brokerage, ) Tj ET Q q 0 0 0 rg BT 472.92 163.70 Td (administration ) Tj ET Q q 0 0 0 rg BT 544.68 163.70 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 149.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 87.96 149.30 Td (balances ) Tj ET Q q 0 0 0 rg BT 132.56 149.30 Td (were ) Tj ET Q q 0 0 0 rg BT 159.16 149.30 Td ($745billion, ) Tj ET Q q 0 0 0 rg BT 223.79 149.30 Td (up ) Tj ET Q q 0 0 0 rg BT 239.08 149.30 Td ($76billion, ) Tj ET Q q 0 0 0 rg BT 297.71 149.30 Td (or ) Tj ET Q q 0 0 0 rg BT 311.00 149.30 Td (1) Tj ET Q q 0 0 0 rg BT 316.55 149.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 338.84 149.30 Td (from ) Tj ET Q q 0 0 0 rg BT 365.46 149.30 Td (the ) Tj ET Q q 0 0 0 rg BT 383.41 149.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 410.02 149.30 Td (year) Tj ET Q q 0 0 0 rg BT 430.19 149.30 Td (, ) Tj ET Q q 0 0 0 rg BT 436.48 149.30 Td (due ) Tj ET Q q 0 0 0 rg BT 457.10 149.30 Td (to ) Tj ET Q q 0 0 0 rg BT 469.73 149.30 Td (the ) Tj ET Q q 0 0 0 rg BT 487.68 149.30 Td (ef) Tj ET Q q 0 0 0 rg BT 496.78 149.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 518.06 149.30 Td (of ) Tj ET Q q 0 0 0 rg BT 531.35 149.30 Td (higher ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 134.90 Td (market ) Tj ET Q q 0 0 0 rg BT 86.32 134.90 Td (levels ) Tj ET Q q 0 0 0 rg BT 117.31 134.90 Td (and ) Tj ET Q q 0 0 0 rg BT 137.63 134.90 Td (custody ) Tj ET Q q 0 0 0 rg BT 177.96 134.90 Td (inflows, ) Tj ET Q q 0 0 0 rg BT 219.96 134.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 262.95 134.90 Td (of) Tj ET Q q 0 0 0 rg BT 272.73 134.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 293.05 134.90 Td (by ) Tj ET Q q 0 0 0 rg BT 308.05 134.90 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 359.02 134.90 Td (outflows.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 114.50 Td (The ) Tj ET Q q 0 0 0 rg BT 71.66 114.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.99 114.50 Td (for ) Tj ET Q q 0 0 0 rg BT 136.98 114.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.30 114.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.97 114.50 Td (was ) Tj ET Q q 0 0 0 rg BT 220.63 114.50 Td ($21 ) Tj ET Q q 0 0 0 rg BT 241.63 114.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 282.30 114.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 332.61 114.50 Td (with ) Tj ET Q q 0 0 0 rg BT 356.94 114.50 Td ($19 ) Tj ET Q q 0 0 0 rg BT 377.94 114.50 Td (million ) Tj ET Q q 0 0 0 rg BT 415.61 114.50 Td (in ) Tj ET Q q 0 0 0 rg BT 427.95 114.50 Td (the ) Tj ET Q q 0 0 0 rg BT 445.61 114.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 471.93 114.50 Td (year) Tj ET Q q 0 0 0 rg BT 491.92 114.50 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.55 94.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 151.75 94.10 Td (was ) Tj ET Q q 0 0 0 rg BT 173.98 94.10 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 198.54 94.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 236.43 94.10 Td (an ) Tj ET Q q 0 0 0 rg BT 251.32 94.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 294.18 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.74 94.10 Td ($302 ) Tj ET Q q 0 0 0 rg BT 335.30 94.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 376.53 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 390.08 94.10 Td (16%, ) Tj ET Q q 0 0 0 rg BT 418.64 94.10 Td (from ) Tj ET Q q 0 0 0 rg BT 445.52 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.74 94.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.63 94.10 Td (year) Tj ET Q q 0 0 0 rg BT 510.80 94.10 Td (, ) Tj ET Q q 0 0 0 rg BT 517.36 94.10 Td (primarily ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 79.70 Td (due ) Tj ET Q q 0 0 0 rg BT 70.32 79.70 Td (to ) Tj ET Q q 0 0 0 rg BT 82.66 79.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 116.31 79.70 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 211.26 79.70 Td (compensation, ) Tj ET Q q 0 0 0 rg BT 283.90 79.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 317.56 79.70 Td (headcount-related) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 403.51 85.14 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 407.41 79.70 Td ( ) Tj ET Q q 0 0 0 rg BT 410.41 79.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 452.06 79.70 Td (and ) Tj ET Q q 0 0 0 rg BT 472.38 79.70 Td (costs ) Tj ET Q q 0 0 0 rg BT 499.38 79.70 Td (related ) Tj ET Q q 0 0 0 rg BT 535.02 79.70 Td (to ) Tj ET Q q 0 0 0 rg BT 547.35 79.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 65.30 Td (control ) Tj ET Q q 0 0 0 rg BT 86.99 65.30 Td (agenda.) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 740.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 740.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 740.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 740.90 Td (Updates:) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 731.94 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 731.94 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 731.94 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 731.94 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 731.94 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 731.94 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 731.94 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 731.94 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 731.94 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 731.94 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.51 cm /I60 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 712.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 712.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 712.10 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 712.10 Td (25% ) Tj ET Q q 0 0 0 rg BT 234.31 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 712.10 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 273.31 712.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 307.65 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.64 712.10 Td (average ) Tj ET Q q 0 0 0 rg BT 360.95 712.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 407.25 712.10 Td (capital.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 695.11 cm /I61 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 697.70 Td (Pretax ) Tj ET Q q 0 0 0 rg BT 137.66 697.70 Td (mar) Tj ET Q q 0 0 0 rg BT 156.10 697.70 Td (gin) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 171.43 703.14 Td (2) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 175.33 697.70 Td ( ) Tj ET Q q 0 0 0 rg BT 178.33 697.70 Td (was ) Tj ET Q q 0 0 0 rg BT 199.99 697.70 Td (29%, ) Tj ET Q q 0 0 0 rg BT 227.99 697.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 246.98 697.70 Td (to ) Tj ET Q q 0 0 0 rg BT 259.31 697.70 Td (the ) Tj ET Q q 0 0 0 rg BT 276.97 697.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 303.30 697.70 Td (year) Tj ET Q q 0 0 0 rg BT 323.28 697.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 680.71 cm /I62 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 683.30 Td (For ) Tj ET Q q 0 0 0 rg BT 124.85 683.30 Td (the ) Tj ET Q q 0 0 0 rg BT 143.69 683.30 Td (12 ) Tj ET Q q 0 0 0 rg BT 159.86 683.30 Td (months ) Tj ET Q q 0 0 0 rg BT 199.38 683.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 232.21 683.30 Td (December ) Tj ET Q q 0 0 0 rg BT 285.69 683.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 304.87 683.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 336.04 683.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 368.22 683.30 Td (under ) Tj ET Q q 0 0 0 rg BT 399.72 683.30 Td (management ) Tj ET Q q 0 0 0 rg BT 465.20 683.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 511.34 683.30 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 668.90 Td (inflows ) Tj ET Q q 0 0 0 rg BT 142.74 668.90 Td (of ) Tj ET Q q 0 0 0 rg BT 155.47 668.90 Td ($86 ) Tj ET Q q 0 0 0 rg BT 176.21 668.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 213.28 668.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 246.68 668.90 Td (by ) Tj ET Q q 0 0 0 rg BT 261.42 668.90 Td (net ) Tj ET Q q 0 0 0 rg BT 278.81 668.90 Td (inflows ) Tj ET Q q 0 0 0 rg BT 317.55 668.90 Td (of ) Tj ET Q q 0 0 0 rg BT 330.28 668.90 Td ($90 ) Tj ET Q q 0 0 0 rg BT 351.02 668.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 385.10 668.90 Td (to ) Tj ET Q q 0 0 0 rg BT 397.17 668.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 447.23 668.90 Td (products ) Tj ET Q q 0 0 0 rg BT 491.29 668.90 Td (and ) Tj ET Q q 0 0 0 rg BT 511.35 668.90 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 654.50 Td (outflows ) Tj ET Q q 0 0 0 rg BT 147.73 654.50 Td (of ) Tj ET Q q 0 0 0 rg BT 159.46 654.50 Td ($4 ) Tj ET Q q 0 0 0 rg BT 173.19 654.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 206.25 654.50 Td (from ) Tj ET Q q 0 0 0 rg BT 231.31 654.50 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 273.71 654.50 Td (products. ) Tj ET Q q 0 0 0 rg BT 319.76 654.50 Td (For ) Tj ET Q q 0 0 0 rg BT 338.16 654.50 Td (the ) Tj ET Q q 0 0 0 rg BT 354.55 654.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 388.05 654.50 Td (, ) Tj ET Q q 0 0 0 rg BT 392.78 654.50 Td (net ) Tj ET Q q 0 0 0 rg BT 409.17 654.50 Td (inflows ) Tj ET Q q 0 0 0 rg BT 446.90 654.50 Td (were ) Tj ET Q q 0 0 0 rg BT 471.95 654.50 Td ($23 ) Tj ET Q q 0 0 0 rg BT 491.68 654.50 Td (billion, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 640.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 137.99 640.10 Td (by ) Tj ET Q q 0 0 0 rg BT 153.33 640.10 Td (net ) Tj ET Q q 0 0 0 rg BT 171.33 640.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 210.66 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.00 640.10 Td ($16 ) Tj ET Q q 0 0 0 rg BT 245.33 640.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 280.01 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.68 640.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 343.33 640.10 Td (products ) Tj ET Q q 0 0 0 rg BT 388.00 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 408.66 640.10 Td (net ) Tj ET Q q 0 0 0 rg BT 426.66 640.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 466.00 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.33 640.10 Td ($7 ) Tj ET Q q 0 0 0 rg BT 494.67 640.10 Td (billion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 625.70 Td (to ) Tj ET Q q 0 0 0 rg BT 116.33 625.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 160.00 625.70 Td (products.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 608.71 cm /I63 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 611.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 124.33 611.30 Td (long-term ) Tj ET Q q 0 0 0 rg BT 174.65 611.30 Td (client ) Tj ET Q q 0 0 0 rg BT 204.30 611.30 Td (flows ) Tj ET Q q 0 0 0 rg BT 233.97 611.30 Td (were ) Tj ET Q q 0 0 0 rg BT 260.28 611.30 Td (positive ) Tj ET Q q 0 0 0 rg BT 301.28 611.30 Td (for ) Tj ET Q q 0 0 0 rg BT 318.27 611.30 Td (the ) Tj ET Q q 0 0 0 rg BT 335.93 611.30 Td (nineteenth ) Tj ET Q q 0 0 0 rg BT 388.91 611.30 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 448.55 611.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 481.87 611.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 594.31 cm /I64 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 596.90 Td (Assets ) Tj ET Q q 0 0 0 rg BT 139.29 596.90 Td (under ) Tj ET Q q 0 0 0 rg BT 170.56 596.90 Td (management ) Tj ET Q q 0 0 0 rg BT 235.82 596.90 Td (ranked ) Tj ET Q q 0 0 0 rg BT 272.42 596.90 Td (in ) Tj ET Q q 0 0 0 rg BT 285.70 596.90 Td (the ) Tj ET Q q 0 0 0 rg BT 304.31 596.90 Td (top ) Tj ET Q q 0 0 0 rg BT 323.60 596.90 Td (two ) Tj ET Q q 0 0 0 rg BT 345.55 596.90 Td (quartiles ) Tj ET Q q 0 0 0 rg BT 390.82 596.90 Td (for ) Tj ET Q q 0 0 0 rg BT 408.76 596.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 465.37 596.90 Td (performance ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 582.50 Td (were ) Tj ET Q q 0 0 0 rg BT 130.31 582.50 Td (69% ) Tj ET Q q 0 0 0 rg BT 155.31 582.50 Td (over ) Tj ET Q q 0 0 0 rg BT 179.63 582.50 Td (5 ) Tj ET Q q 0 0 0 rg BT 188.63 582.50 Td (years, ) Tj ET Q q 0 0 0 rg BT 219.95 582.50 Td (68% ) Tj ET Q q 0 0 0 rg BT 244.95 582.50 Td (over ) Tj ET Q q 0 0 0 rg BT 269.27 582.50 Td (3 ) Tj ET Q q 0 0 0 rg BT 278.27 582.50 Td (years ) Tj ET Q q 0 0 0 rg BT 306.59 582.50 Td (and ) Tj ET Q q 0 0 0 rg BT 326.91 582.50 Td (68% ) Tj ET Q q 0 0 0 rg BT 351.91 582.50 Td (over ) Tj ET Q q 0 0 0 rg BT 376.23 582.50 Td (1 ) Tj ET Q q 0 0 0 rg BT 385.23 582.50 Td (year) Tj ET Q q 0 0 0 rg BT 405.22 582.50 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 565.51 cm /I65 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 568.10 Td (Customer ) Tj ET Q q 0 0 0 rg BT 153.66 568.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 184.66 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 196.99 568.10 Td (4 ) Tj ET Q q 0 0 0 rg BT 205.99 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.32 568.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 235.32 568.10 Td (Star) Tj ET Q q 0 0 0 rg BT 254.41 568.10 Td (-rated ) Tj ET Q q 0 0 0 rg BT 285.39 568.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 315.05 568.10 Td (were ) Tj ET Q q 0 0 0 rg BT 341.37 568.10 Td (49% ) Tj ET Q q 0 0 0 rg BT 366.37 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.36 568.10 Td (all ) Tj ET Q q 0 0 0 rg BT 394.36 568.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 421.34 568.10 Td (mutual ) Tj ET Q q 0 0 0 rg BT 457.67 568.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 482.66 568.10 Td (assets. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 551.11 cm /I66 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 553.70 Td (Client ) Tj ET Q q 0 0 0 rg BT 136.99 553.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 168.63 553.70 Td (were ) Tj ET Q q 0 0 0 rg BT 195.60 553.70 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 220.26 553.70 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 259.58 553.70 Td (a ) Tj ET Q q 0 0 0 rg BT 268.55 553.70 Td (record, ) Tj ET Q q 0 0 0 rg BT 305.85 553.70 Td (up ) Tj ET Q q 0 0 0 rg BT 321.51 553.70 Td (12% ) Tj ET Q q 0 0 0 rg BT 347.16 553.70 Td (from ) Tj ET Q q 0 0 0 rg BT 374.13 553.70 Td (the ) Tj ET Q q 0 0 0 rg BT 392.45 553.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 419.43 553.70 Td (year ) Tj ET Q q 0 0 0 rg BT 443.73 553.70 Td (and ) Tj ET Q q 0 0 0 rg BT 464.71 553.70 Td (4% ) Tj ET Q q 0 0 0 rg BT 484.36 553.70 Td (from ) Tj ET Q q 0 0 0 rg BT 511.34 553.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 539.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 539.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 539.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 522.31 cm /I67 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 524.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 524.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.62 524.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.82 524.90 Td (were ) Tj ET Q q 0 0 0 rg BT 201.00 524.90 Td ($92.7billion, ) Tj ET Q q 0 0 0 rg BT 268.21 524.90 Td (a ) Tj ET Q q 0 0 0 rg BT 276.40 524.90 Td (record, ) Tj ET Q q 0 0 0 rg BT 312.92 524.90 Td (up ) Tj ET Q q 0 0 0 rg BT 327.79 524.90 Td (21% ) Tj ET Q q 0 0 0 rg BT 352.65 524.90 Td (from ) Tj ET Q q 0 0 0 rg BT 378.85 524.90 Td (the ) Tj ET Q q 0 0 0 rg BT 396.38 524.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 422.58 524.90 Td (year ) Tj ET Q q 0 0 0 rg BT 446.09 524.90 Td (and ) Tj ET Q q 0 0 0 rg BT 466.29 524.90 Td (6% ) Tj ET Q q 0 0 0 rg BT 485.16 524.90 Td (from ) Tj ET Q q 0 0 0 rg BT 511.35 524.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 510.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 510.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 510.50 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 493.51 cm /I68 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 496.10 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.85 496.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 188.38 496.10 Td (were ) Tj ET Q q 0 0 0 rg BT 214.89 496.10 Td ($95.4billion, ) Tj ET Q q 0 0 0 rg BT 282.43 496.10 Td (a ) Tj ET Q q 0 0 0 rg BT 290.96 496.10 Td (record, ) Tj ET Q q 0 0 0 rg BT 327.80 496.10 Td (up ) Tj ET Q q 0 0 0 rg BT 343.00 496.10 Td (19% ) Tj ET Q q 0 0 0 rg BT 368.19 496.10 Td (from ) Tj ET Q q 0 0 0 rg BT 394.72 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.58 496.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.10 496.10 Td (year ) Tj ET Q q 0 0 0 rg BT 462.95 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.48 496.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 502.67 496.10 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 481.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 481.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 481.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 481.70 Td (. ) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 464.71 cm /I69 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 467.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 467.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.86 467.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 189.31 467.30 Td (were ) Tj ET Q q 0 0 0 rg BT 215.74 467.30 Td ($144.0 ) Tj ET Q q 0 0 0 rg BT 251.85 467.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 289.30 467.30 Td (a ) Tj ET Q q 0 0 0 rg BT 297.74 467.30 Td (record, ) Tj ET Q q 0 0 0 rg BT 334.49 467.30 Td (up ) Tj ET Q q 0 0 0 rg BT 349.61 467.30 Td (8% ) Tj ET Q q 0 0 0 rg BT 368.72 467.30 Td (from ) Tj ET Q q 0 0 0 rg BT 395.16 467.30 Td (the ) Tj ET Q q 0 0 0 rg BT 412.93 467.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 439.37 467.30 Td (year ) Tj ET Q q 0 0 0 rg BT 463.13 467.30 Td (and ) Tj ET Q q 0 0 0 rg BT 483.57 467.30 Td (4% ) Tj ET Q q 0 0 0 rg BT 502.68 467.30 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 452.90 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 452.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 452.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 452.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 435.91 cm /I70 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 438.50 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 158.91 438.50 Td (deposits ) Tj ET Q q 0 0 0 rg BT 200.49 438.50 Td (were ) Tj ET Q q 0 0 0 rg BT 226.06 438.50 Td ($146.2 ) Tj ET Q q 0 0 0 rg BT 261.31 438.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 297.90 438.50 Td (a ) Tj ET Q q 0 0 0 rg BT 305.48 438.50 Td (record, ) Tj ET Q q 0 0 0 rg BT 341.38 438.50 Td (up ) Tj ET Q q 0 0 0 rg BT 355.63 438.50 Td (1% ) Tj ET Q q 0 0 0 rg BT 373.88 438.50 Td (from ) Tj ET Q q 0 0 0 rg BT 399.46 438.50 Td (the ) Tj ET Q q 0 0 0 rg BT 416.37 438.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 441.95 438.50 Td (year ) Tj ET Q q 0 0 0 rg BT 464.85 438.50 Td (and ) Tj ET Q q 0 0 0 rg BT 484.43 438.50 Td (5% ) Tj ET Q q 0 0 0 rg BT 502.68 438.50 Td (from ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 424.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 424.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 424.10 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 386.30 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 386.30 Td (TE/PRIV) Tj ET Q q 0 0 0 rg BT 151.80 386.30 Td (A) Tj ET Q q 0 0 0 rg BT 159.14 386.30 Td (TE EQUITY) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 375.79999999999995 m 50.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 375.79999999999995 m 231.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 375.79999999999995 m 231.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 375.79999999999995 m 276.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 375.79999999999995 m 280.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 375.79999999999995 m 280.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 375.79999999999995 m 325.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 375.79999999999995 m 329.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 375.79999999999995 m 329.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 375.79999999999995 m 374.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 375.79999999999995 m 378.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 375.79999999999995 m 378.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 375.79999999999995 m 423.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 348.79999999999995 m 423.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 375.79999999999995 m 468.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 348.79999999999995 m 468.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 375.79999999999995 m 472.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 348.79999999999995 m 472.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 375.79999999999995 m 472.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 375.79999999999995 m 517.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 348.79999999999995 m 517.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 375.79999999999995 m 562.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 375.79999999999995 m 562.5 375.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 348.79999999999995 m 562.5 348.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 348.79999999999995 m 50.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 333.79999999999995 m 231.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 348.79999999999995 m 231.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 333.79999999999995 m 276.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 333.79999999999995 m 280.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 348.79999999999995 m 280.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 333.79999999999995 m 325.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 333.79999999999995 m 329.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 348.79999999999995 m 329.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 333.79999999999995 m 374.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 333.79999999999995 m 378.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 348.79999999999995 m 378.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 333.79999999999995 m 423.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 348.79999999999995 m 423.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 333.79999999999995 m 468.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 333.79999999999995 m 472.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 348.79999999999995 m 472.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 333.79999999999995 m 517.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 348.79999999999995 m 517.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 348.79999999999995 m 562.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 333.79999999999995 m 562.5 333.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 333.79999999999995 m 50.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 318.79999999999995 m 231.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 333.79999999999995 m 231.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 318.79999999999995 m 276.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 318.79999999999995 m 280.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 333.79999999999995 m 280.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 318.79999999999995 m 325.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 318.79999999999995 m 329.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 333.79999999999995 m 329.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 318.79999999999995 m 374.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 318.79999999999995 m 378.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 333.79999999999995 m 378.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 318.79999999999995 m 423.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 333.79999999999995 m 423.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 318.79999999999995 m 468.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 318.79999999999995 m 472.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 333.79999999999995 m 472.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 318.79999999999995 m 517.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 333.79999999999995 m 517.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 333.79999999999995 m 562.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 318.79999999999995 m 562.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 318.79999999999995 m 50.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 303.79999999999995 m 231.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 318.79999999999995 m 231.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 303.79999999999995 m 276.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 303.79999999999995 m 280.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 318.79999999999995 m 280.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 303.79999999999995 m 325.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 303.79999999999995 m 329.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 318.79999999999995 m 329.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 303.79999999999995 m 374.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 303.79999999999995 m 378.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 318.79999999999995 m 378.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 303.79999999999995 m 423.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 318.79999999999995 m 423.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 318.79999999999995 m 468.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 303.79999999999995 m 468.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 303.79999999999995 m 472.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 318.79999999999995 m 472.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 303.79999999999995 m 517.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 318.79999999999995 m 517.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 318.79999999999995 m 562.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 318.79999999999995 m 562.5 318.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 303.79999999999995 m 562.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 303.79999999999995 m 50.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 288.79999999999995 m 231.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 303.79999999999995 m 231.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 288.79999999999995 m 276.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 288.79999999999995 m 280.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 303.79999999999995 m 280.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 288.79999999999995 m 325.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 288.79999999999995 m 329.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 303.79999999999995 m 329.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 288.79999999999995 m 374.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 288.79999999999995 m 378.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 303.79999999999995 m 378.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 288.79999999999995 m 423.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 303.79999999999995 m 423.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 288.79999999999995 m 468.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 288.79999999999995 m 472.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 303.79999999999995 m 472.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 288.79999999999995 m 517.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 303.79999999999995 m 517.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 303.79999999999995 m 562.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 303.79999999999995 m 562.5 303.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 288.79999999999995 m 562.5 288.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 288.79999999999995 m 50.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 273.79999999999995 m 231.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 288.79999999999995 m 231.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 273.79999999999995 m 276.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 273.79999999999995 m 280.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 288.79999999999995 m 280.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 273.79999999999995 m 325.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 273.79999999999995 m 329.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 288.79999999999995 m 329.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 273.79999999999995 m 374.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 273.79999999999995 m 378.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 288.79999999999995 m 378.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 273.79999999999995 m 423.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 288.79999999999995 m 423.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 273.79999999999995 m 468.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 273.79999999999995 m 472.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 288.79999999999995 m 472.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 273.79999999999995 m 517.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 288.79999999999995 m 517.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 288.79999999999995 m 562.5 273.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 273.79999999999995 m 562.5 273.79999999999995 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 364.72 Td (Results for ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 353.72 Td (Corporate/Private Equity) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 353.72 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 353.72 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 338.67 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 338.67 Td (4Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 338.67 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 338.67 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 338.67 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 338.67 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 338.67 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 338.67 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 323.67 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 323.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 323.67 Td (1,752) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 323.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 304.75 323.67 Td (121) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 323.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 350.10 323.67 Td (\(124) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 370.30 323.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 323.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 394.50 323.67 Td (1,631) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 323.67 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 323.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 488.50 323.67 Td (1,876) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.25 323.67 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 308.67 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 257.60 308.67 Td (\(13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 272.30 308.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 306.60 308.67 Td (\(17) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 308.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 361.10 308.67 Td (\(6) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 370.30 308.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 413.80 308.67 Td (4) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 453.25 308.67 Td (24) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.10 308.67 Td (\(7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 308.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 532.60 308.67 Td (\(117) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 308.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 293.67 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 293.67 Td (441) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 296.50 293.67 Td (9,096) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 293.67 Td (520) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 390.85 293.67 Td (\(8,655) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 293.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 449.60 293.67 Td (\(95) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 464.30 293.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 498.60 293.67 Td (\(79) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 293.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 538.10 293.67 Td (\(15) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 293.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 278.67 Td (Net Income/\(Loss\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 278.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 278.67 Td (787) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 278.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 292.85 278.67 Td (\(6,463) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 278.67 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 278.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 278.67 Td (523) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 278.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 394.50 278.67 Td (7,250) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 278.67 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 278.67 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 496.75 278.67 Td (264) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 541.80 278.67 Td (50) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 552.80 278.67 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 245.50 Td (Discussion of Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 231.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.33 231.10 Td (income ) Tj ET Q q 0 0 0 rg BT 108.65 231.10 Td (was ) Tj ET Q q 0 0 0 rg BT 130.31 231.10 Td ($787 ) Tj ET Q q 0 0 0 rg BT 157.31 231.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 197.98 231.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 248.29 231.10 Td (with ) Tj ET Q q 0 0 0 rg BT 272.62 231.10 Td (net ) Tj ET Q q 0 0 0 rg BT 290.28 231.10 Td (income ) Tj ET Q q 0 0 0 rg BT 328.60 231.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.60 231.10 Td ($523 ) Tj ET Q q 0 0 0 rg BT 368.60 231.10 Td (million ) Tj ET Q q 0 0 0 rg BT 406.27 231.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.60 231.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.26 231.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 462.59 231.10 Td (year) Tj ET Q q 0 0 0 rg BT 482.57 231.10 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 210.70 Td (Private ) Tj ET Q q 0 0 0 rg BT 87.62 210.70 Td (Equity ) Tj ET Q q 0 0 0 rg BT 123.26 210.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 166.87 210.70 Td (net ) Tj ET Q q 0 0 0 rg BT 185.16 210.70 Td (income ) Tj ET Q q 0 0 0 rg BT 224.12 210.70 Td (of ) Tj ET Q q 0 0 0 rg BT 237.75 210.70 Td ($13 ) Tj ET Q q 0 0 0 rg BT 259.38 210.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 300.69 210.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 351.63 210.70 Td (with ) Tj ET Q q 0 0 0 rg BT 376.60 210.70 Td (net ) Tj ET Q q 0 0 0 rg BT 394.89 210.70 Td (income ) Tj ET Q q 0 0 0 rg BT 433.85 210.70 Td (of ) Tj ET Q q 0 0 0 rg BT 447.48 210.70 Td ($50 ) Tj ET Q q 0 0 0 rg BT 469.11 210.70 Td (million ) Tj ET Q q 0 0 0 rg BT 507.42 210.70 Td (in ) Tj ET Q q 0 0 0 rg BT 520.38 210.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 210.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 196.30 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 196.30 Td (. ) Tj ET Q q 0 0 0 rg BT 75.99 196.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 96.31 196.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 137.29 196.30 Td (was ) Tj ET Q q 0 0 0 rg BT 158.95 196.30 Td ($57 ) Tj ET Q q 0 0 0 rg BT 179.95 196.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 220.62 196.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 270.93 196.30 Td (with ) Tj ET Q q 0 0 0 rg BT 295.26 196.30 Td (net ) Tj ET Q q 0 0 0 rg BT 312.92 196.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 353.90 196.30 Td (of ) Tj ET Q q 0 0 0 rg BT 366.89 196.30 Td ($72 ) Tj ET Q q 0 0 0 rg BT 387.89 196.30 Td (million ) Tj ET Q q 0 0 0 rg BT 425.56 196.30 Td (in ) Tj ET Q q 0 0 0 rg BT 437.90 196.30 Td (the ) Tj ET Q q 0 0 0 rg BT 455.56 196.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.88 196.30 Td (year) Tj ET Q q 0 0 0 rg BT 501.87 196.30 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 175.90 Td (T) Tj ET Q q 0 0 0 rg BT 56.91 175.90 Td (reasury ) Tj ET Q q 0 0 0 rg BT 95.43 175.90 Td (and ) Tj ET Q q 0 0 0 rg BT 115.97 175.90 Td (CIO ) Tj ET Q q 0 0 0 rg BT 139.84 175.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 183.03 175.90 Td (a ) Tj ET Q q 0 0 0 rg BT 191.57 175.90 Td (net ) Tj ET Q q 0 0 0 rg BT 209.44 175.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 231.32 175.90 Td (of ) Tj ET Q q 0 0 0 rg BT 244.53 175.90 Td ($78 ) Tj ET Q q 0 0 0 rg BT 265.73 175.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 306.61 175.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 357.13 175.90 Td (with ) Tj ET Q q 0 0 0 rg BT 381.68 175.90 Td (a ) Tj ET Q q 0 0 0 rg BT 390.21 175.90 Td (net ) Tj ET Q q 0 0 0 rg BT 408.08 175.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 429.96 175.90 Td (of ) Tj ET Q q 0 0 0 rg BT 443.17 175.90 Td ($157 ) Tj ET Q q 0 0 0 rg BT 470.38 175.90 Td (million ) Tj ET Q q 0 0 0 rg BT 508.26 175.90 Td (in ) Tj ET Q q 0 0 0 rg BT 520.80 175.90 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 175.90 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 161.50 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 161.50 Td (. ) Tj ET Q q 0 0 0 rg BT 75.67 161.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 95.67 161.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 136.32 161.50 Td (was ) Tj ET Q q 0 0 0 rg BT 157.67 161.50 Td (a ) Tj ET Q q 0 0 0 rg BT 165.67 161.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 187.02 161.50 Td (of ) Tj ET Q q 0 0 0 rg BT 199.70 161.50 Td ($25 ) Tj ET Q q 0 0 0 rg BT 220.38 161.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 260.73 161.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 310.72 161.50 Td (with ) Tj ET Q q 0 0 0 rg BT 334.73 161.50 Td (a ) Tj ET Q q 0 0 0 rg BT 342.73 161.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 364.09 161.50 Td (of ) Tj ET Q q 0 0 0 rg BT 376.76 161.50 Td ($1) Tj ET Q q 0 0 0 rg BT 388.32 161.50 Td (10 ) Tj ET Q q 0 0 0 rg BT 403.00 161.50 Td (million ) Tj ET Q q 0 0 0 rg BT 440.35 161.50 Td (in ) Tj ET Q q 0 0 0 rg BT 452.36 161.50 Td (the ) Tj ET Q q 0 0 0 rg BT 469.70 161.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 495.70 161.50 Td (year) Tj ET Q q 0 0 0 rg BT 515.69 161.50 Td (. ) Tj ET Q q 0 0 0 rg BT 521.37 161.50 Td (Current-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 147.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 88.54 147.10 Td (net ) Tj ET Q q 0 0 0 rg BT 107.76 147.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 147.63 147.10 Td (income ) Tj ET Q q 0 0 0 rg BT 187.51 147.10 Td (was ) Tj ET Q q 0 0 0 rg BT 210.73 147.10 Td (a ) Tj ET Q q 0 0 0 rg BT 220.62 147.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 243.85 147.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.41 147.10 Td ($96 ) Tj ET Q q 0 0 0 rg BT 280.96 147.10 Td (million ) Tj ET Q q 0 0 0 rg BT 320.19 147.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 370.72 147.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.94 147.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 427.82 147.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.37 147.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 477.59 147.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 517.47 147.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 544.68 147.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 132.70 Td (reinvestment ) Tj ET Q q 0 0 0 rg BT 114.98 132.70 Td (opportunities.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 112.30 Td (Other ) Tj ET Q q 0 0 0 rg BT 79.70 112.30 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 130.07 112.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 172.42 112.30 Td (net ) Tj ET Q q 0 0 0 rg BT 189.46 112.30 Td (income ) Tj ET Q q 0 0 0 rg BT 227.17 112.30 Td (of ) Tj ET Q q 0 0 0 rg BT 239.54 112.30 Td ($852 ) Tj ET Q q 0 0 0 rg BT 265.92 112.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 305.97 112.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 355.66 112.30 Td (with ) Tj ET Q q 0 0 0 rg BT 379.38 112.30 Td (net ) Tj ET Q q 0 0 0 rg BT 396.42 112.30 Td (income ) Tj ET Q q 0 0 0 rg BT 434.12 112.30 Td (of ) Tj ET Q q 0 0 0 rg BT 446.49 112.30 Td ($630 ) Tj ET Q q 0 0 0 rg BT 472.87 112.30 Td (million ) Tj ET Q q 0 0 0 rg BT 509.92 112.30 Td (in ) Tj ET Q q 0 0 0 rg BT 521.64 112.30 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 112.30 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 97.90 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 97.90 Td (. ) Tj ET Q q 0 0 0 rg BT 75.38 97.90 Td (The ) Tj ET Q q 0 0 0 rg BT 96.62 97.90 Td (current ) Tj ET Q q 0 0 0 rg BT 133.19 97.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 169.75 97.90 Td (included ) Tj ET Q q 0 0 0 rg BT 213.65 97.90 Td (a ) Tj ET Q q 0 0 0 rg BT 221.56 97.90 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 245.15 97.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 279.07 97.90 Td (gain ) Tj ET Q q 0 0 0 rg BT 302.31 97.90 Td (on ) Tj ET Q q 0 0 0 rg BT 316.90 97.90 Td (the ) Tj ET Q q 0 0 0 rg BT 334.14 97.90 Td (sale ) Tj ET Q q 0 0 0 rg BT 355.38 97.90 Td (of ) Tj ET Q q 0 0 0 rg BT 367.77 97.90 Td (V) Tj ET Q q 0 0 0 rg BT 375.72 97.90 Td (isa ) Tj ET Q q 0 0 0 rg BT 391.63 97.90 Td (shares ) Tj ET Q q 0 0 0 rg BT 424.21 97.90 Td (and ) Tj ET Q q 0 0 0 rg BT 444.12 97.90 Td (a ) Tj ET Q q 0 0 0 rg BT 452.03 97.90 Td ($0.5 ) Tj ET Q q 0 0 0 rg BT 475.61 97.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 509.53 97.90 Td (gain ) Tj ET Q q 0 0 0 rg BT 532.77 97.90 Td (on ) Tj ET Q q 0 0 0 rg BT 547.36 97.90 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 83.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 71.66 83.50 Td (of ) Tj ET Q q 0 0 0 rg BT 84.66 83.50 Td (One ) Tj ET Q q 0 0 0 rg BT 107.66 83.50 Td (Chase ) Tj ET Q q 0 0 0 rg BT 139.99 83.50 Td (Manhattan ) Tj ET Q q 0 0 0 rg BT 194.31 83.50 Td (Plaza. ) Tj ET Q q 0 0 0 rg BT 226.08 83.50 Td (The ) Tj ET Q q 0 0 0 rg BT 247.74 83.50 Td (current ) Tj ET Q q 0 0 0 rg BT 284.73 83.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 321.71 83.50 Td (also ) Tj ET Q q 0 0 0 rg BT 344.04 83.50 Td (included ) Tj ET Q q 0 0 0 rg BT 388.37 83.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 460.68 83.50 Td ($0.4 ) Tj ET Q q 0 0 0 rg BT 484.69 83.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 519.03 83.50 Td (of ) Tj ET Q q 0 0 0 rg BT 532.03 83.50 Td (pretax ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 69.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 76.27 69.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 117.88 69.10 Td (\($0.8 ) Tj ET Q q 0 0 0 rg BT 145.83 69.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 180.12 69.10 Td (after) Tj ET Q q 0 0 0 rg BT 201.86 69.10 Td (-tax\) ) Tj ET Q q 0 0 0 rg BT 227.46 69.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.73 69.10 Td (with ) Tj ET Q q 0 0 0 rg BT 302.02 69.10 Td ($0.2 ) Tj ET Q q 0 0 0 rg BT 325.97 69.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 360.26 69.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.21 69.10 Td (pretax ) Tj ET Q q 0 0 0 rg BT 406.15 69.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 432.42 69.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 474.03 69.10 Td (\($0.1 ) Tj ET Q q 0 0 0 rg BT 501.98 69.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 536.27 69.10 Td (after) Tj ET Q q 0 0 0 rg BT 558.01 69.10 Td (-) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (tax\) ) Tj ET Q q 0 0 0 rg BT 71.77 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 84.22 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 101.99 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 128.43 740.70 Td (year) Tj ET Q q 0 0 0 rg BT 148.60 740.70 Td (, ) Tj ET Q q 0 0 0 rg BT 154.72 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 175.16 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 183.60 740.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 220.03 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 233.14 740.70 Td ($0.3 ) Tj ET Q q 0 0 0 rg BT 257.25 740.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 291.70 740.70 Td (for ) Tj ET Q q 0 0 0 rg BT 308.81 740.70 Td (tax ) Tj ET Q q 0 0 0 rg BT 326.58 740.70 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 387.03 740.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 437.45 740.70 Td (to ) Tj ET Q q 0 0 0 rg BT 449.90 740.70 Td ($0.6 ) Tj ET Q q 0 0 0 rg BT 474.01 740.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 508.46 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 520.91 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 740.70 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 726.30 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 684.90 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 194.02 690.34 Td (\(*\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 674.4 m 50.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 674.4 m 231.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 674.4 m 231.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 674.4 m 276.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 674.4 m 280.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 674.4 m 280.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 674.4 m 325.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 674.4 m 329.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 674.4 m 329.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 674.4 m 374.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 674.4 m 378.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 674.4 m 378.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 674.4 m 423.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 659.4 m 423.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 674.4 m 468.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 659.4 m 468.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 674.4 m 472.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 659.4 m 472.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 674.4 m 472.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 674.4 m 517.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 659.4 m 517.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 674.4 m 562.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 674.4 m 562.5 674.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 659.4 m 562.5 659.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 659.4 m 50.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 644.4 m 231.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 659.4 m 231.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 644.4 m 276.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 644.4 m 280.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 659.4 m 280.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 644.4 m 325.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 644.4 m 329.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 659.4 m 329.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 644.4 m 374.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 644.4 m 378.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 659.4 m 378.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 644.4 m 423.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 659.4 m 423.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 644.4 m 468.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 644.4 m 472.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 659.4 m 472.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 644.4 m 517.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 659.4 m 517.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 659.4 m 562.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 644.4 m 562.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 644.4 m 50.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 629.4 m 231.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 644.4 m 231.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 644.4 m 276.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 629.4 m 276.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 629.4 m 280.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 644.4 m 280.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 644.4 m 325.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 629.4 m 325.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 629.4 m 329.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 644.4 m 329.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 644.4 m 374.5 644.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 629.4 m 374.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 629.4 m 378.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 644.4 m 378.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 629.4 m 423.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 644.4 m 423.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 629.4 m 472.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 644.4 m 472.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 629.4 m 517.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 644.4 m 517.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 644.4 m 562.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 629.4 m 562.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 629.4 m 50.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 614.4 m 231.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 629.4 m 231.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 629.4 m 276.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 614.4 m 276.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 614.4 m 280.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 629.4 m 280.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 629.4 m 325.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 614.4 m 325.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 614.4 m 329.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 629.4 m 329.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 629.4 m 374.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 614.4 m 374.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 614.4 m 378.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 629.4 m 378.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 614.4 m 423.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 629.4 m 423.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 629.4 m 468.5 629.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 614.4 m 468.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 614.4 m 472.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 629.4 m 472.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 614.4 m 517.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 629.4 m 517.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 629.4 m 562.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 614.4 m 562.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 614.4 m 50.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 599.4 m 231.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 614.4 m 231.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 614.4 m 276.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 599.4 m 276.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 599.4 m 280.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 614.4 m 280.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 614.4 m 325.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 599.4 m 325.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 599.4 m 329.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 614.4 m 329.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 614.4 m 374.5 614.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 599.4 m 374.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 599.4 m 378.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 614.4 m 378.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 599.4 m 423.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 614.4 m 423.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 599.4 m 468.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 599.4 m 472.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 614.4 m 472.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 599.4 m 517.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 614.4 m 517.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 614.4 m 562.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 599.4 m 562.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 599.4 m 50.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 584.4 m 231.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 599.4 m 231.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 599.4 m 276.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 584.4 m 276.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 584.4 m 280.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 599.4 m 280.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 599.4 m 325.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 584.4 m 325.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 584.4 m 329.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 599.4 m 329.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 599.4 m 374.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 584.4 m 374.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 584.4 m 378.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 599.4 m 378.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 584.4 m 423.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 599.4 m 423.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 599.4 m 468.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 584.4 m 468.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 584.4 m 472.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 599.4 m 472.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 599.4 m 517.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 599.4 m 517.5 599.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 584.4 m 517.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 599.4 m 517.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 599.4 m 562.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 584.4 m 562.5 584.4 l s BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 664.27 Td (Results for JPM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 410.75 664.27 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 504.75 664.27 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 649.27 Td (\($millions\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 241.25 649.27 Td (4Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 290.25 649.27 Td (3Q13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 339.25 649.27 Td (4Q12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 383.20 649.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 426.40 649.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 477.20 649.27 Td ($O/\(U\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 520.40 649.27 Td (O/\(U\)?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 634.27 Td (Net Revenue) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 634.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 634.27 Td (24,112) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 634.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 291.00 634.27 Td (23,880) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 634.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 340.00 634.27 Td (24,378) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 634.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 634.27 Td (232) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 453.30 634.27 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 634.27 Td (%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 634.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 634.27 Td (\(266) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 634.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 634.27 Td (\(1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 634.27 Td (\)%) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 619.27 Td (Provision for Credit Losses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 255.75 619.27 Td (104) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 301.10 619.27 Td (\(543) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 619.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 353.75 619.27 Td (656) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 402.75 619.27 Td (647) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 619.27 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 619.27 Td (\(552) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 619.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 534.45 619.27 Td (\(84) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 619.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 604.27 Td (Noninterest Expense) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 242.00 604.27 Td (15,552) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 291.00 604.27 Td (23,626) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 340.00 604.27 Td (16,047) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 390.85 604.27 Td (\(8,074) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 419.30 604.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 444.10 604.27 Td (\(34) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 458.80 604.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 604.27 Td (\(495) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 604.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 604.27 Td (\(3) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 604.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 53.00 589.27 Td (Net Income) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 234.00 589.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 247.50 589.27 Td (5,278) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 283.00 589.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 301.10 589.27 Td (\(380) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 321.30 589.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 332.00 589.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 345.50 589.27 Td (5,692) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 381.00 589.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 394.50 589.27 Td (5,658) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 447.25 589.27 Td (NM) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 475.00 589.27 Td ($) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 493.10 589.27 Td (\(414) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 513.30 589.27 Td (\)) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 539.95 589.27 Td (\(7) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 549.15 589.27 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET BT /F2 8.00 Tf ET q 0 0 0 rg BT 50.00 575.30 Td (\(*\) Presented on a managed basis. See notes on pages 12 and 13 for further explanation of managed basis. Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 485.14 575.30 Td ( basis totaled ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.91 575.30 Td ($23,156 ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 59.00 565.70 Td (million) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 82.11 565.70 Td (, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 86.11 565.70 Td ($23,1) Tj ET Q q 0 0 0 rg BT 103.82 565.70 Td (17 million) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 136.93 565.70 Td (, and ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 154.48 565.70 Td ($23,653 million) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 205.59 565.70 Td ( for the fourth quarter of 2013, third quarter of 2013, and fourth quarter of 2012, respectively) Tj ET Q q 0 0 0 rg BT 502.54 565.70 Td (. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 536.90 Td (Discussion of Results:) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 522.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.25 522.50 Td (income ) Tj ET Q q 0 0 0 rg BT 108.50 522.50 Td (was ) Tj ET Q q 0 0 0 rg BT 130.09 522.50 Td ($5.3 ) Tj ET Q q 0 0 0 rg BT 154.02 522.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 191.28 522.50 Td (down ) Tj ET Q q 0 0 0 rg BT 220.87 522.50 Td ($414 ) Tj ET Q q 0 0 0 rg BT 247.80 522.50 Td (million ) Tj ET Q q 0 0 0 rg BT 285.39 522.50 Td (from ) Tj ET Q q 0 0 0 rg BT 311.65 522.50 Td (the ) Tj ET Q q 0 0 0 rg BT 329.23 522.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 355.49 522.50 Td (year) Tj ET Q q 0 0 0 rg BT 375.47 522.50 Td (. ) Tj ET Q q 0 0 0 rg BT 381.19 522.50 Td (The ) Tj ET Q q 0 0 0 rg BT 402.77 522.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 447.00 522.50 Td (was ) Tj ET Q q 0 0 0 rg BT 468.58 522.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 502.17 522.50 Td (by ) Tj ET Q q 0 0 0 rg BT 517.09 522.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 547.34 522.50 Td (net ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 90.74 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.84 508.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 144.26 508.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 171.69 508.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 216.45 508.10 Td (from ) Tj ET Q q 0 0 0 rg BT 242.54 508.10 Td (non-deductible ) Tj ET Q q 0 0 0 rg BT 317.29 508.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 362.71 508.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 405.46 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.55 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 433.65 508.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 463.74 508.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 499.82 508.10 Td (related ) Tj ET Q q 0 0 0 rg BT 535.23 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 547.33 508.10 Td (tax ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 493.70 Td (adjustments, ) Tj ET Q q 0 0 0 rg BT 113.02 493.70 Td (which ) Tj ET Q q 0 0 0 rg BT 145.04 493.70 Td (were ) Tj ET Q q 0 0 0 rg BT 171.05 493.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 213.72 493.70 Td (of) Tj ET Q q 0 0 0 rg BT 223.50 493.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 243.52 493.70 Td (by ) Tj ET Q q 0 0 0 rg BT 258.21 493.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 288.23 493.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 336.25 493.70 Td (for ) Tj ET Q q 0 0 0 rg BT 352.94 493.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 382.95 493.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 414.31 493.70 Td (and ) Tj ET Q q 0 0 0 rg BT 434.33 493.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 464.34 493.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 520.36 493.70 Td (expense.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 473.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.56 473.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 109.78 473.30 Td (was ) Tj ET Q q 0 0 0 rg BT 130.68 473.30 Td ($24.1 ) Tj ET Q q 0 0 0 rg BT 159.92 473.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 196.49 473.30 Td (down ) Tj ET Q q 0 0 0 rg BT 225.39 473.30 Td ($266 ) Tj ET Q q 0 0 0 rg BT 251.63 473.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 291.54 473.30 Td (or ) Tj ET Q q 0 0 0 rg BT 303.78 473.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 325.01 473.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.56 473.30 Td (with ) Tj ET Q q 0 0 0 rg BT 398.13 473.30 Td (the ) Tj ET Q q 0 0 0 rg BT 415.03 473.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.59 473.30 Td (year) Tj ET Q q 0 0 0 rg BT 460.58 473.30 Td (. ) Tj ET Q q 0 0 0 rg BT 465.82 473.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.04 473.30 Td (revenue ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 458.90 Td (was ) Tj ET Q q 0 0 0 rg BT 72.37 458.90 Td ($13.0 ) Tj ET Q q 0 0 0 rg BT 103.08 458.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 141.13 458.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 160.83 458.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 211.85 458.90 Td (with ) Tj ET Q q 0 0 0 rg BT 236.89 458.90 Td (the ) Tj ET Q q 0 0 0 rg BT 255.26 458.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 282.30 458.90 Td (year) Tj ET Q q 0 0 0 rg BT 302.29 458.90 Td (. ) Tj ET Q q 0 0 0 rg BT 308.73 458.90 Td (The ) Tj ET Q q 0 0 0 rg BT 331.10 458.90 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 406.76 458.90 Td (included ) Tj ET Q q 0 0 0 rg BT 451.79 458.90 Td (a ) Tj ET Q q 0 0 0 rg BT 460.83 458.90 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 485.54 458.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 520.58 458.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 542.97 458.90 Td (as ) Tj ET Q q 0 0 0 rg BT 556.67 458.90 Td (a ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 444.50 Td (result ) Tj ET Q q 0 0 0 rg BT 79.66 444.50 Td (of ) Tj ET Q q 0 0 0 rg BT 92.66 444.50 Td (implementing ) Tj ET Q q 0 0 0 rg BT 162.31 444.50 Td (a ) Tj ET Q q 0 0 0 rg BT 170.64 444.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 210.97 444.50 Td (valuation ) Tj ET Q q 0 0 0 rg BT 258.62 444.50 Td (adjustment) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 311.28 449.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 315.18 444.50 Td ( ) Tj ET Q q 0 0 0 rg BT 318.18 444.50 Td (\(FV) Tj ET Q q 0 0 0 rg BT 341.30 444.50 Td (A\) ) Tj ET Q q 0 0 0 rg BT 362.28 444.50 Td (framework ) Tj ET Q q 0 0 0 rg BT 417.92 444.50 Td (for ) Tj ET Q q 0 0 0 rg BT 446.00 444.50 Td (OTC ) Tj ET Q q 0 0 0 rg BT 481.01 444.50 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 544.67 444.50 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 100.43 430.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 131.21 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.99 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 158.77 430.10 Td ($536 ) Tj ET Q q 0 0 0 rg BT 185.22 430.10 Td (million ) Tj ET Q q 0 0 0 rg BT 222.34 430.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 243.46 430.10 Td (from ) Tj ET Q q 0 0 0 rg BT 269.24 430.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 295.69 430.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 342.79 430.10 Td (adjustments) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 400.12 435.54 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 404.02 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 406.47 430.10 Td (\(DV) Tj ET Q q 0 0 0 rg BT 431.58 430.10 Td (A\) ) Tj ET Q q 0 0 0 rg BT 452.01 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 466.47 430.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 516.90 430.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 544.68 430.10 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 415.70 Td (derivative ) Tj ET Q q 0 0 0 rg BT 101.19 415.70 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 152.06 415.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 172.60 415.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 211.14 415.70 Td (income ) Tj ET Q q 0 0 0 rg BT 249.67 415.70 Td (was ) Tj ET Q q 0 0 0 rg BT 271.55 415.70 Td ($1) Tj ET Q q 0 0 0 rg BT 283.10 415.70 Td (1.1 ) Tj ET Q q 0 0 0 rg BT 301.32 415.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 338.87 415.70 Td (down ) Tj ET Q q 0 0 0 rg BT 368.75 415.70 Td ($203 ) Tj ET Q q 0 0 0 rg BT 395.96 415.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 436.84 415.70 Td (or ) Tj ET Q q 0 0 0 rg BT 450.05 415.70 Td (2%, ) Tj ET Q q 0 0 0 rg BT 472.26 415.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 522.79 415.70 Td (with ) Tj ET Q q 0 0 0 rg BT 547.33 415.70 Td (the ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 401.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.48 401.30 Td (year) Tj ET Q q 0 0 0 rg BT 96.65 401.30 Td (, ) Tj ET Q q 0 0 0 rg BT 102.80 401.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 151.93 401.30 Td (the ) Tj ET Q q 0 0 0 rg BT 169.75 401.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 205.56 401.30 Td (of ) Tj ET Q q 0 0 0 rg BT 218.71 401.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 249.19 401.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 273.00 401.30 Td (yields ) Tj ET Q q 0 0 0 rg BT 304.82 401.30 Td (and ) Tj ET Q q 0 0 0 rg BT 325.30 401.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 355.78 401.30 Td (trading ) Tj ET Q q 0 0 0 rg BT 392.93 401.30 Td (and ) Tj ET Q q 0 0 0 rg BT 413.41 401.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 469.22 401.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 517.69 401.30 Td (balances, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 386.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 92.98 386.90 Td (of) Tj ET Q q 0 0 0 rg BT 102.76 386.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 123.09 386.90 Td (by ) Tj ET Q q 0 0 0 rg BT 138.09 386.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 171.75 386.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 227.40 386.90 Td (securities ) Tj ET Q q 0 0 0 rg BT 275.72 386.90 Td (yields ) Tj ET Q q 0 0 0 rg BT 307.38 386.90 Td (and ) Tj ET Q q 0 0 0 rg BT 327.71 386.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 358.03 386.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 406.35 386.90 Td (costs.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 366.50 Td (The ) Tj ET Q q 0 0 0 rg BT 71.10 366.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 118.89 366.50 Td (for ) Tj ET Q q 0 0 0 rg BT 135.33 366.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 165.09 366.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 196.21 366.50 Td (was ) Tj ET Q q 0 0 0 rg BT 217.32 366.50 Td ($104 ) Tj ET Q q 0 0 0 rg BT 243.77 366.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 283.88 366.50 Td (down ) Tj ET Q q 0 0 0 rg BT 313.00 366.50 Td ($552 ) Tj ET Q q 0 0 0 rg BT 339.44 366.50 Td (million ) Tj ET Q q 0 0 0 rg BT 376.56 366.50 Td (from ) Tj ET Q q 0 0 0 rg BT 402.34 366.50 Td (the ) Tj ET Q q 0 0 0 rg BT 419.44 366.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 445.22 366.50 Td (year) Tj ET Q q 0 0 0 rg BT 465.20 366.50 Td (. ) Tj ET Q q 0 0 0 rg BT 470.48 366.50 Td (The ) Tj ET Q q 0 0 0 rg BT 491.58 366.50 Td (total ) Tj ET Q q 0 0 0 rg BT 515.35 366.50 Td (consumer ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 97.87 352.10 Td (for ) Tj ET Q q 0 0 0 rg BT 114.41 352.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 144.26 352.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 175.47 352.10 Td (was ) Tj ET Q q 0 0 0 rg BT 196.67 352.10 Td ($65 ) Tj ET Q q 0 0 0 rg BT 217.21 352.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 257.42 352.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 307.27 352.10 Td (with ) Tj ET Q q 0 0 0 rg BT 331.15 352.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 354.69 352.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 388.56 352.10 Td (in ) Tj ET Q q 0 0 0 rg BT 400.44 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.64 352.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 443.50 352.10 Td (year) Tj ET Q q 0 0 0 rg BT 463.49 352.10 Td (. ) Tj ET Q q 0 0 0 rg BT 468.85 352.10 Td (The ) Tj ET Q q 0 0 0 rg BT 490.04 352.10 Td (current-quarter ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 337.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 99.22 337.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 145.07 337.70 Td (a ) Tj ET Q q 0 0 0 rg BT 154.27 337.70 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 179.16 337.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 214.38 337.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 263.58 337.70 Td (in ) Tj ET Q q 0 0 0 rg BT 276.79 337.70 Td (the ) Tj ET Q q 0 0 0 rg BT 295.34 337.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 347.86 337.70 Td (for ) Tj ET Q q 0 0 0 rg BT 365.74 337.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 390.28 337.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 425.83 337.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 477.02 337.70 Td (to ) Tj ET Q q 0 0 0 rg BT 490.24 337.70 Td (a ) Tj ET Q q 0 0 0 rg BT 499.45 337.70 Td ($700 ) Tj ET Q q 0 0 0 rg BT 527.33 337.70 Td (million ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 323.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 98.13 323.30 Td (in ) Tj ET Q q 0 0 0 rg BT 110.27 323.30 Td (the ) Tj ET Q q 0 0 0 rg BT 127.74 323.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 153.88 323.30 Td (year) Tj ET Q q 0 0 0 rg BT 174.05 323.30 Td (, ) Tj ET Q q 0 0 0 rg BT 179.86 323.30 Td (due ) Tj ET Q q 0 0 0 rg BT 200.00 323.30 Td (to ) Tj ET Q q 0 0 0 rg BT 212.14 323.30 Td (favorable ) Tj ET Q q 0 0 0 rg BT 260.26 323.30 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 321.72 323.30 Td (trends ) Tj ET Q q 0 0 0 rg BT 353.85 323.30 Td (and ) Tj ET Q q 0 0 0 rg BT 373.99 323.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 404.12 323.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 452.92 323.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 484.40 323.30 Td (in ) Tj ET Q q 0 0 0 rg BT 496.54 323.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 544.67 323.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 308.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 80.60 308.90 Td (card ) Tj ET Q q 0 0 0 rg BT 104.53 308.90 Td (portfolios. ) Tj ET Q q 0 0 0 rg BT 157.48 308.90 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 210.09 308.90 Td (net ) Tj ET Q q 0 0 0 rg BT 228.03 308.90 Td (char) Tj ET Q q 0 0 0 rg BT 248.46 308.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 273.57 308.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 285.51 308.90 Td (were ) Tj ET Q q 0 0 0 rg BT 312.11 308.90 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 336.39 308.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 374.01 308.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 424.60 308.90 Td (with ) Tj ET Q q 0 0 0 rg BT 449.22 308.90 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 473.50 308.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 508.12 308.90 Td (in ) Tj ET Q q 0 0 0 rg BT 520.74 308.90 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 308.90 Td (prior ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 294.50 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 294.50 Td (, ) Tj ET Q q 0 0 0 rg BT 75.16 294.50 Td (resulting ) Tj ET Q q 0 0 0 rg BT 119.16 294.50 Td (in ) Tj ET Q q 0 0 0 rg BT 130.49 294.50 Td (net ) Tj ET Q q 0 0 0 rg BT 147.14 294.50 Td (char) Tj ET Q q 0 0 0 rg BT 167.57 294.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 192.68 294.50 Td (f ) Tj ET Q q 0 0 0 rg BT 198.67 294.50 Td (rates ) Tj ET Q q 0 0 0 rg BT 223.32 294.50 Td (of ) Tj ET Q q 0 0 0 rg BT 235.31 294.50 Td (1.44% ) Tj ET Q q 0 0 0 rg BT 268.30 294.50 Td (and ) Tj ET Q q 0 0 0 rg BT 287.63 294.50 Td (1.99%, ) Tj ET Q q 0 0 0 rg BT 323.62 294.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 380.81 294.50 Td (. ) Tj ET Q q 0 0 0 rg BT 385.66 294.50 Td (The ) Tj ET Q q 0 0 0 rg BT 406.32 294.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 449.61 294.50 Td (in ) Tj ET Q q 0 0 0 rg BT 460.94 294.50 Td (consumer ) Tj ET Q q 0 0 0 rg BT 509.59 294.50 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 294.50 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 294.50 Td (ge-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 280.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 72.11 280.10 Td (was ) Tj ET Q q 0 0 0 rg BT 94.43 280.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 142.75 280.10 Td (due ) Tj ET Q q 0 0 0 rg BT 163.74 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 176.74 280.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 226.39 280.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 288.70 280.10 Td (trends. ) Tj ET Q q 0 0 0 rg BT 324.43 280.10 Td (The ) Tj ET Q q 0 0 0 rg BT 346.75 280.10 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 398.39 280.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 447.39 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 465.05 280.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 496.03 280.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 528.36 280.10 Td (was ) Tj ET Q q 0 0 0 rg BT 550.69 280.10 Td (an ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 265.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 91.13 265.70 Td (of ) Tj ET Q q 0 0 0 rg BT 103.60 265.70 Td ($39 ) Tj ET Q q 0 0 0 rg BT 124.08 265.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 164.22 265.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 214.01 265.70 Td (with ) Tj ET Q q 0 0 0 rg BT 237.82 265.70 Td (a ) Tj ET Q q 0 0 0 rg BT 245.62 265.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 281.42 265.70 Td (of ) Tj ET Q q 0 0 0 rg BT 293.89 265.70 Td ($430 ) Tj ET Q q 0 0 0 rg BT 320.37 265.70 Td (million ) Tj ET Q q 0 0 0 rg BT 357.51 265.70 Td (in ) Tj ET Q q 0 0 0 rg BT 369.32 265.70 Td (the ) Tj ET Q q 0 0 0 rg BT 386.46 265.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 412.26 265.70 Td (year) Tj ET Q q 0 0 0 rg BT 432.25 265.70 Td (. ) Tj ET Q q 0 0 0 rg BT 437.55 265.70 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 490.67 265.70 Td (net ) Tj ET Q q 0 0 0 rg BT 507.81 265.70 Td (char) Tj ET Q q 0 0 0 rg BT 528.24 265.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 553.34 265.70 Td (fs ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 251.30 Td (were ) Tj ET Q q 0 0 0 rg BT 76.32 251.30 Td ($22 ) Tj ET Q q 0 0 0 rg BT 97.33 251.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 138.02 251.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 188.33 251.30 Td (with ) Tj ET Q q 0 0 0 rg BT 212.68 251.30 Td (net ) Tj ET Q q 0 0 0 rg BT 230.35 251.30 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 282.66 251.30 Td (of ) Tj ET Q q 0 0 0 rg BT 295.67 251.30 Td ($158 ) Tj ET Q q 0 0 0 rg BT 322.68 251.30 Td (million ) Tj ET Q q 0 0 0 rg BT 360.36 251.30 Td (in ) Tj ET Q q 0 0 0 rg BT 372.70 251.30 Td (the ) Tj ET Q q 0 0 0 rg BT 390.37 251.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 416.71 251.30 Td (year) Tj ET Q q 0 0 0 rg BT 436.88 251.30 Td (, ) Tj ET Q q 0 0 0 rg BT 442.89 251.30 Td (resulting ) Tj ET Q q 0 0 0 rg BT 487.89 251.30 Td (in ) Tj ET Q q 0 0 0 rg BT 500.23 251.30 Td (a ) Tj ET Q q 0 0 0 rg BT 508.57 251.30 Td (net ) Tj ET Q q 0 0 0 rg BT 526.24 251.30 Td (char) Tj ET Q q 0 0 0 rg BT 546.67 251.30 Td (ge-) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 236.90 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 236.90 Td (f ) Tj ET Q q 0 0 0 rg BT 67.49 236.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 89.18 236.90 Td (of ) Tj ET Q q 0 0 0 rg BT 102.89 236.90 Td (0.03% ) Tj ET Q q 0 0 0 rg BT 137.59 236.90 Td (and ) Tj ET Q q 0 0 0 rg BT 158.63 236.90 Td (a ) Tj ET Q q 0 0 0 rg BT 167.67 236.90 Td (net ) Tj ET Q q 0 0 0 rg BT 186.04 236.90 Td (recovery ) Tj ET Q q 0 0 0 rg BT 231.72 236.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 253.41 236.90 Td (of ) Tj ET Q q 0 0 0 rg BT 267.12 236.90 Td (0.21%, ) Tj ET Q q 0 0 0 rg BT 304.82 236.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 362.02 236.90 Td (. ) Tj ET Q q 0 0 0 rg BT 368.46 236.90 Td (The ) Tj ET Q q 0 0 0 rg BT 390.83 236.90 Td (Firm? Tj ET Q q 0 0 0 rg BT 417.50 236.90 Td (s ) Tj ET Q q 0 0 0 rg BT 425.88 236.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 478.23 236.90 Td (for ) Tj ET Q q 0 0 0 rg BT 495.93 236.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 520.30 236.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.68 236.90 Td (to ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 222.50 Td (period-end ) Tj ET Q q 0 0 0 rg BT 105.39 222.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 134.14 222.50 Td (retained) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 172.78 227.94 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 176.68 222.50 Td ( ) Tj ET Q q 0 0 0 rg BT 180.10 222.50 Td (was ) Tj ET Q q 0 0 0 rg BT 202.18 222.50 Td (1.80%, ) Tj ET Q q 0 0 0 rg BT 239.59 222.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 290.31 222.50 Td (with ) Tj ET Q q 0 0 0 rg BT 315.06 222.50 Td (2.43% ) Tj ET Q q 0 0 0 rg BT 349.48 222.50 Td (in ) Tj ET Q q 0 0 0 rg BT 362.23 222.50 Td (the ) Tj ET Q q 0 0 0 rg BT 380.30 222.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 407.04 222.50 Td (year) Tj ET Q q 0 0 0 rg BT 427.03 222.50 Td (. ) Tj ET Q q 0 0 0 rg BT 433.20 222.50 Td (The ) Tj ET Q q 0 0 0 rg BT 455.27 222.50 Td (Firm? Tj ET Q q 0 0 0 rg BT 481.94 222.50 Td (s ) Tj ET Q q 0 0 0 rg BT 490.03 222.50 Td (nonperforming ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 80.12 208.10 Td (totaled ) Tj ET Q q 0 0 0 rg BT 114.90 208.10 Td ($9.7 ) Tj ET Q q 0 0 0 rg BT 138.02 208.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 174.48 208.10 Td (down ) Tj ET Q q 0 0 0 rg BT 203.27 208.10 Td (from ) Tj ET Q q 0 0 0 rg BT 228.72 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.51 208.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 270.96 208.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 307.06 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.51 208.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 351.96 208.10 Td (year ) Tj ET Q q 0 0 0 rg BT 374.73 208.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 404.85 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.97 208.10 Td ($10.4 ) Tj ET Q q 0 0 0 rg BT 446.09 208.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 479.55 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.00 208.10 Td ($1) Tj ET Q q 0 0 0 rg BT 510.56 208.10 Td (1.9 ) Tj ET Q q 0 0 0 rg BT 527.68 208.10 Td (billion, ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 193.70 Td (respectively) Tj ET Q q 0 0 0 rg BT 107.19 193.70 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 173.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.03 173.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.71 173.30 Td (was ) Tj ET Q q 0 0 0 rg BT 172.42 173.30 Td ($15.6 ) Tj ET Q q 0 0 0 rg BT 202.46 173.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 239.83 173.30 Td (down ) Tj ET Q q 0 0 0 rg BT 269.54 173.30 Td ($495 ) Tj ET Q q 0 0 0 rg BT 296.58 173.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 337.29 173.30 Td (or ) Tj ET Q q 0 0 0 rg BT 350.32 173.30 Td (3%, ) Tj ET Q q 0 0 0 rg BT 372.36 173.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 422.70 173.30 Td (with ) Tj ET Q q 0 0 0 rg BT 447.08 173.30 Td (the ) Tj ET Q q 0 0 0 rg BT 464.78 173.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 491.14 173.30 Td (year) Tj ET Q q 0 0 0 rg BT 511.31 173.30 Td (, ) Tj ET Q q 0 0 0 rg BT 517.35 173.30 Td (primarily ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 158.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 82.49 158.90 Td (by ) Tj ET Q q 0 0 0 rg BT 96.32 158.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 125.48 158.90 Td (servicing ) Tj ET Q q 0 0 0 rg BT 171.29 158.90 Td (expense. ) Tj ET Q q 0 0 0 rg BT 214.64 158.90 Td (The ) Tj ET Q q 0 0 0 rg BT 235.13 158.90 Td (current ) Tj ET Q q 0 0 0 rg BT 270.94 158.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 306.75 158.90 Td (included ) Tj ET Q q 0 0 0 rg BT 349.91 158.90 Td (approximately ) Tj ET Q q 0 0 0 rg BT 421.05 158.90 Td ($847 ) Tj ET Q q 0 0 0 rg BT 446.88 158.90 Td (million ) Tj ET Q q 0 0 0 rg BT 483.39 158.90 Td (of ) Tj ET Q q 0 0 0 rg BT 495.21 158.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 520.37 158.90 Td (expense, ) Tj ET Q q 0 0 0 rg BT 565.02 158.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 144.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.31 144.50 Td (with ) Tj ET Q q 0 0 0 rg BT 124.64 144.50 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 148.64 144.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 182.98 144.50 Td (of ) Tj ET Q q 0 0 0 rg BT 195.97 144.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 222.29 144.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 263.94 144.50 Td (in ) Tj ET Q q 0 0 0 rg BT 276.28 144.50 Td (the ) Tj ET Q q 0 0 0 rg BT 293.94 144.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 320.26 144.50 Td (year) Tj ET Q q 0 0 0 rg BT 340.25 144.50 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 109.70 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 109.70 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 109.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 109.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 109.70 Td (Updates: ) Tj ET Q BT /F5 12.00 Tf ET BT /F5 7.80 Tf ET q 0 0 0 rg BT 50.00 100.74 Td (\(All ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 64.08 100.74 Td (comparisons ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 106.77 100.74 Td (refer ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 124.31 100.74 Td (to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 132.32 100.74 Td (the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 144.24 100.74 Td (prior-year ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 178.68 100.74 Td (quarter ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 204.46 100.74 Td (except ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 226.76 100.74 Td (as ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 235.65 100.74 Td (noted\)) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 78.31 cm /I71 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.00 80.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 80.90 Td (Basel ) Tj ET Q q 0 0 0 rg BT 133.66 80.90 Td (I ) Tj ET Q q 0 0 0 rg BT 140.44 80.90 Td (T) Tj ET Q q 0 0 0 rg BT 147.35 80.90 Td (ier ) Tj ET Q q 0 0 0 rg BT 163.00 80.90 Td (1 ) Tj ET Q q 0 0 0 rg BT 172.00 80.90 Td (common ) Tj ET Q q 0 0 0 rg BT 217.00 80.90 Td (ratio) Tj ET Q BT /F2 12.00 Tf ET BT /F2 7.80 Tf ET q 0 0 0 rg BT 238.99 86.34 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 242.89 80.90 Td ( ) Tj ET Q q 0 0 0 rg BT 245.89 80.90 Td (was ) Tj ET Q q 0 0 0 rg BT 267.55 80.90 Td (10.7%) Tj ET Q BT /F2 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 63.91 cm /I72 Do Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 104.00 66.50 Td (Headcount ) Tj ET Q q 0 0 0 rg BT 158.98 66.50 Td (was ) Tj ET Q q 0 0 0 rg BT 180.64 66.50 Td (251,196, ) Tj ET Q q 0 0 0 rg BT 225.64 66.50 Td (a ) Tj ET Q q 0 0 0 rg BT 233.97 66.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 278.26 66.50 Td (of ) Tj ET Q q 0 0 0 rg BT 291.26 66.50 Td (7,557, ) Tj ET Q q 0 0 0 rg BT 324.26 66.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.57 66.50 Td (with ) Tj ET Q q 0 0 0 rg BT 398.90 66.50 Td (the ) Tj ET Q q 0 0 0 rg BT 416.56 66.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.89 66.50 Td (year) Tj ET Q q 0 0 0 rg BT 462.88 66.50 Td (.) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (1. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 68.00 741.60 Td (Notes ) Tj ET Q q 0 0 0 rg BT 97.02 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 111.39 741.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 163.34 741.60 Td ( ) Tj ET Q q 0 0 0 rg BT 166.09 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 209.79 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 244.42 741.60 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (The ) Tj ET Q q 0 0 0 rg BT 86.72 717.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 109.34 717.60 Td (presents ) Tj ET Q q 0 0 0 rg BT 145.29 717.60 Td (below ) Tj ET Q q 0 0 0 rg BT 172.90 717.60 Td (net ) Tj ET Q q 0 0 0 rg BT 188.29 717.60 Td (income ) Tj ET Q q 0 0 0 rg BT 220.90 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 238.51 717.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 275.56 717.60 Td (per ) Tj ET Q q 0 0 0 rg BT 291.50 717.60 Td (share ) Tj ET Q q 0 0 0 rg BT 315.77 717.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 358.38 717.60 Td (certain ) Tj ET Q q 0 0 0 rg BT 388.76 717.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 425.25 717.60 Td (significant ) Tj ET Q q 0 0 0 rg BT 470.63 717.60 Td (items. ) Tj ET Q q 0 0 0 rg BT 497.74 717.60 Td (These ) Tj ET Q q 0 0 0 rg BT 524.79 717.60 Td (measures ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (should ) Tj ET Q q 0 0 0 rg BT 96.73 705.60 Td (be ) Tj ET Q q 0 0 0 rg BT 108.24 705.60 Td (viewed ) Tj ET Q q 0 0 0 rg BT 139.18 705.60 Td (in ) Tj ET Q q 0 0 0 rg BT 149.02 705.60 Td (addition ) Tj ET Q q 0 0 0 rg BT 183.86 705.60 Td (to, ) Tj ET Q q 0 0 0 rg BT 196.20 705.60 Td (and ) Tj ET Q q 0 0 0 rg BT 212.71 705.60 Td (not ) Tj ET Q q 0 0 0 rg BT 227.55 705.60 Td (as ) Tj ET Q q 0 0 0 rg BT 237.94 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 244.45 705.60 Td (substitute ) Tj ET Q q 0 0 0 rg BT 284.84 705.60 Td (for) Tj ET Q q 0 0 0 rg BT 296.10 705.60 Td (, ) Tj ET Q q 0 0 0 rg BT 300.67 705.60 Td (the ) Tj ET Q q 0 0 0 rg BT 314.95 705.60 Td (Firm? 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8.00 Tf ET q 0 0 0 rg BT 374.60 255.55 Td (\(0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.30 255.55 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.60 255.55 Td (\(0.08) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.30 255.55 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 139.00 240.55 Td (Firmwide legal expense) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 215.42 244.18 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.30 240.55 Td (1.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.30 240.55 Td (0.27) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 139.00 225.55 Td (Corporate legal expense) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 216.30 229.18 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.30 225.55 Td (7.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.30 225.55 Td (1.92) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 139.00 210.55 Td (Reduced reserves in CCB) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.60 210.55 Td (\(3.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.30 210.55 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.60 210.55 Td (\(0.86) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.30 210.55 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 139.00 195.55 Td (FVA and DVA) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.30 195.55 Td (1.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.30 195.55 Td (0.31) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.00 180.55 Td (As adjusted: Net income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.00 180.55 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.30 180.55 Td (23.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 393.00 180.55 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.30 180.55 Td (5.70) Tj ET Q BT /F2 10.00 Tf ET BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 131.00 170.83 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.60 167.20 Td ( ) Tj ET Q q 0 0 0 rg BT 135.60 167.20 Td (4Q13) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 131.00 161.23 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 133.60 157.60 Td ( ) Tj ET Q q 0 0 0 rg BT 135.60 157.60 Td (2Q13 ) Tj ET Q q 0 0 0 rg BT 155.38 157.60 Td (and ) Tj ET Q q 0 0 0 rg BT 168.93 157.60 Td (3Q13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 133.60 Td (b. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 133.60 Td (In ) Tj ET Q q 0 0 0 rg BT 79.09 133.60 Td (addition ) Tj ET Q q 0 0 0 rg BT 114.62 133.60 Td (to ) Tj ET Q q 0 0 0 rg BT 125.16 133.60 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 166.79 133.60 Td (the ) Tj ET Q q 0 0 0 rg BT 181.77 133.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 209.67 133.60 Td (results ) Tj ET Q q 0 0 0 rg BT 238.54 133.60 Td (on ) Tj ET Q q 0 0 0 rg BT 251.30 133.60 Td (a ) Tj ET Q q 0 0 0 rg BT 258.50 133.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 294.58 133.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 319.84 133.60 Td (management ) Tj ET Q q 0 0 0 rg BT 373.69 133.60 Td (reviews ) Tj ET Q q 0 0 0 rg BT 407.55 133.60 Td (the ) Tj ET Q q 0 0 0 rg BT 422.52 133.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 450.42 133.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 503.73 133.60 Td (results ) Tj ET Q q 0 0 0 rg BT 532.60 133.60 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 133.60 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 121.60 Td (results ) Tj ET Q q 0 0 0 rg BT 97.54 121.60 Td (of ) Tj ET Q q 0 0 0 rg BT 109.30 121.60 Td (the ) Tj ET Q q 0 0 0 rg BT 124.94 121.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 147.26 121.60 Td (of ) Tj ET Q q 0 0 0 rg BT 159.02 121.60 Td (business ) Tj ET Q q 0 0 0 rg BT 196.34 121.60 Td (on ) Tj ET Q q 0 0 0 rg BT 209.77 121.60 Td (a ) Tj ET Q q 0 0 0 rg BT 217.64 121.60 Td (managed?) Tj ET Q q 0 0 0 rg BT 266.04 121.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 291.96 121.60 Td (which ) Tj ET Q q 0 0 0 rg BT 319.83 121.60 Td (is ) Tj ET Q q 0 0 0 rg BT 329.93 121.60 Td (a ) Tj ET Q q 0 0 0 rg BT 337.80 121.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 382.98 121.60 Td ( ) Tj ET Q q 0 0 0 rg BT 386.41 121.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 424.82 121.60 Td (measure. ) Tj ET Q q 0 0 0 rg BT 463.82 121.60 Td (The ) Tj ET Q q 0 0 0 rg BT 482.80 121.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 511.37 121.60 Td (definition ) Tj ET Q q 0 0 0 rg BT 553.68 121.60 Td (of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 109.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 106.49 109.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 128.89 109.60 Td (starts ) Tj ET Q q 0 0 0 rg BT 152.40 109.60 Td (with ) Tj ET Q q 0 0 0 rg BT 172.58 109.60 Td (the ) Tj ET Q q 0 0 0 rg BT 187.20 109.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 222.91 109.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 243.10 109.60 Td (GAAP) Tj ET Q q 0 0 0 rg BT 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Tj ET Q q 0 0 0 rg BT 287.85 97.60 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 331.17 97.60 Td (on ) Tj ET Q q 0 0 0 rg BT 343.94 97.60 Td (a ) Tj ET Q q 0 0 0 rg BT 351.15 97.60 Td (fully ) Tj ET Q q 0 0 0 rg BT 372.81 97.60 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 449.43 97.60 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 485.52 97.60 Td (basis. ) Tj ET Q q 0 0 0 rg BT 510.18 97.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 559.51 97.60 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 85.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 102.62 85.60 Td (from ) Tj ET Q q 0 0 0 rg BT 125.04 85.60 Td (investments ) Tj ET Q q 0 0 0 rg BT 175.79 85.60 Td (that ) Tj ET Q q 0 0 0 rg BT 193.77 85.60 Td (receive ) Tj ET Q q 0 0 0 rg BT 225.61 85.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 240.80 85.60 Td (credits ) Tj ET Q q 0 0 0 rg BT 270.44 85.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.85 85.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 335.81 85.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 376.55 85.60 Td (is ) Tj ET Q q 0 0 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(management ) Tj ET Q q 0 0 0 rg BT 509.61 73.60 Td (to ) Tj ET Q q 0 0 0 rg BT 521.37 73.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 549.78 73.60 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 61.60 Td (comparability ) Tj ET Q q 0 0 0 rg BT 125.84 61.60 Td (of ) Tj ET Q q 0 0 0 rg BT 136.47 61.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 170.42 61.60 Td (arising ) Tj ET Q q 0 0 0 rg BT 199.94 61.60 Td (from ) Tj ET Q q 0 0 0 rg BT 221.69 61.60 Td (both ) Tj ET Q q 0 0 0 rg BT 241.77 61.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 272.94 61.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.69 61.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 336.97 61.60 Td (sources. ) Tj ET Q q 0 0 0 rg BT 371.60 61.60 Td (The ) Tj ET Q q 0 0 0 rg BT 389.45 61.60 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 448.96 61.60 Td (income ) Tj ET Q q 0 0 0 rg BT 480.70 61.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.22 61.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 524.73 61.60 Td (related ) Tj ET Q q 0 0 0 rg BT 554.24 61.60 Td (to ) Tj ET Q 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Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.10 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.79 742.10 Td (items ) Tj ET Q q 0 0 0 rg BT 138.27 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 146.75 742.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 183.54 742.10 Td (within ) Tj ET Q q 0 0 0 rg BT 210.91 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 242.16 742.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 256.19 742.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 292.58 742.10 Td (These ) Tj ET Q q 0 0 0 rg BT 318.27 742.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 367.85 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 388.54 742.10 Td (no ) Tj ET Q q 0 0 0 rg BT 400.36 742.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 429.38 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 441.19 742.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 493.55 742.10 Td (net ) Tj ET Q q 0 0 0 rg BT 507.58 742.10 Td (income/\(loss\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 78.83 730.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 114.65 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 127.15 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.86 730.10 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.81 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 174.64 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 187.14 730.10 Td (net ) Tj ET Q q 0 0 0 rg BT 201.86 730.10 Td (income/\(loss\) ) Tj ET Q q 0 0 0 rg BT 258.79 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 269.62 730.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 305.44 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 317.94 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.65 730.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 354.04 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.87 730.10 Td (business.) 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Tj ET Q q 0 0 0 rg BT 521.47 682.10 Td (allowance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 81.87 670.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 101.29 670.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 127.39 670.10 Td (related ) Tj ET Q q 0 0 0 rg BT 156.79 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 166.78 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.20 670.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 198.97 670.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 236.17 670.10 Td (totaled ) Tj ET Q q 0 0 0 rg BT 265.59 670.10 Td ($4.2 ) Tj ET Q q 0 0 0 rg BT 285.29 670.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.61 670.10 Td (at ) Tj ET Q q 0 0 0 rg BT 323.04 670.10 Td (December ) Tj ET Q q 0 0 0 rg BT 366.33 670.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 381.03 670.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 405.74 670.10 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 425.45 670.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 453.76 670.10 Td (at ) Tj ET Q q 0 0 0 rg BT 463.19 670.10 Td (September ) Tj ET Q q 0 0 0 rg BT 508.16 670.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 522.86 670.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 547.57 670.10 Td (and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 658.10 Td ($5.7 ) Tj ET Q q 0 0 0 rg BT 88.57 658.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 117.75 658.10 Td (at ) Tj ET Q q 0 0 0 rg BT 128.03 658.10 Td (December ) Tj ET Q q 0 0 0 rg BT 172.19 658.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 187.75 658.10 Td (2012. ) Tj ET Q q 0 0 0 rg BT 213.32 658.10 Td (In ) Tj ET Q q 0 0 0 rg BT 224.72 658.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 267.77 658.10 Td (& ) Tj ET Q q 0 0 0 rg BT 278.62 658.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 326.12 658.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 352.80 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.08 658.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 389.47 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.87 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.16 658.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 459.76 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 474.48 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 494.77 658.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 521.73 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.58 658.10 Td (end-of-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 646.10 Td (period ) Tj ET Q q 0 0 0 rg BT 94.92 646.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 117.39 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 125.43 646.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 167.33 646.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 208.13 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.72 646.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 250.30 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.00 646.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 281.36 646.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 312.15 646.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 334.63 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 350.44 646.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 402.35 646.10 Td (Firm-administered ) Tj ET Q q 0 0 0 rg BT 478.15 646.10 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 525.61 646.10 Td (conduits, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 78.83 634.10 Td (well ) Tj ET Q q 0 0 0 rg BT 98.55 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 109.38 634.10 Td (their ) Tj ET Q q 0 0 0 rg BT 130.20 634.10 Td (related ) Tj ET Q q 0 0 0 rg BT 159.90 634.10 Td (allowances, ) Tj ET Q q 0 0 0 rg BT 209.33 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.61 634.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 252.65 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 259.59 634.10 Td (more ) Tj ET Q q 0 0 0 rg BT 282.64 634.10 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 330.68 634.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 377.62 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.45 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.17 634.10 Td (CIB's ) Tj ET Q q 0 0 0 rg BT 428.03 634.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 471.06 634.10 Td (coverage.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (d. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 73.41 610.10 Td (angible ) Tj ET Q q 0 0 0 rg BT 105.11 610.10 Td (common ) Tj ET Q q 0 0 0 rg BT 142.38 610.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 169.64 610.10 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 208.83 610.10 Td (return ) Tj ET Q q 0 0 0 rg BT 234.98 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 247.24 610.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 281.72 610.10 Td (common ) Tj ET Q q 0 0 0 rg BT 318.99 610.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 346.25 610.10 Td (\(ROTCE\), ) Tj ET Q q 0 0 0 rg BT 399.33 610.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 433.81 610.10 Td (book ) Tj ET Q q 0 0 0 rg BT 456.08 610.10 Td (value ) Tj ET Q q 0 0 0 rg BT 480.00 610.10 Td (per ) Tj ET Q q 0 0 0 rg BT 495.04 610.10 Td (share ) Tj ET Q q 0 0 0 rg BT 518.41 610.10 Td (\(TBVS\), ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 73.76 598.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 87.68 598.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 96.05 598.10 Td (common ) Tj ET Q q 0 0 0 rg BT 134.43 598.10 Td (under ) Tj ET Q q 0 0 0 rg BT 160.57 598.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 186.16 598.10 Td (I ) Tj ET Q q 0 0 0 rg BT 192.87 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.68 598.10 Td (III ) Tj ET Q q 0 0 0 rg BT 224.05 598.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 249.36 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.17 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.77 598.10 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 345.01 598.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 382.25 598.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 403.95 598.10 Td (\(SLR\) ) Tj ET Q q 0 0 0 rg BT 441.21 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 456.79 598.10 Td (each ) Tj ET Q q 0 0 0 rg BT 478.48 598.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 523.66 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 527.04 598.10 Td (financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 586.10 Td (measures. ) Tj ET Q q 0 0 0 rg BT 110.09 586.10 Td (TCE ) Tj ET Q q 0 0 0 rg BT 131.55 586.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 174.66 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.45 586.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 211.68 586.10 Td (s ) Tj ET Q q 0 0 0 rg BT 218.14 586.10 Td (common ) Tj ET Q q 0 0 0 rg BT 255.71 586.10 Td (stockholders? Tj ET Q q 0 0 0 rg BT 308.84 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.42 586.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 338.98 586.10 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 359.60 586.10 Td (total ) Tj ET Q q 0 0 0 rg BT 379.95 586.10 Td (stockholders? Tj ET Q q 0 0 0 rg BT 433.08 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 435.65 586.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 463.22 586.10 Td (less ) Tj ET Q q 0 0 0 rg BT 480.79 586.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 520.00 586.10 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 547.01 586.10 Td (less ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 574.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 106.56 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 124.00 574.10 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 172.54 574.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 215.53 574.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 241.86 574.10 Td (\(other ) Tj ET Q q 0 0 0 rg BT 268.74 574.10 Td (than ) Tj ET Q q 0 0 0 rg BT 288.96 574.10 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 322.81 574.10 Td (net ) Tj ET Q q 0 0 0 rg BT 338.03 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.36 574.10 Td (related ) Tj ET Q q 0 0 0 rg BT 379.56 574.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 415.87 574.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 431.09 574.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 473.81 574.10 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 509.59 574.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 549.80 574.10 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 562.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 90.23 562.10 Td (s ) Tj ET Q q 0 0 0 rg BT 96.33 562.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 132.41 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 142.95 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 149.59 562.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 195.10 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.64 562.10 Td (average ) Tj ET Q q 0 0 0 rg BT 238.77 562.10 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 262.20 562.10 Td (TBVS ) Tj ET Q q 0 0 0 rg BT 289.97 562.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 332.71 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.14 562.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 369.37 562.10 Td (s ) Tj ET Q q 0 0 0 rg BT 375.46 562.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 409.88 562.10 Td (common ) Tj ET Q q 0 0 0 rg BT 447.08 562.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 474.29 562.10 Td (divided ) Tj ET Q q 0 0 0 rg BT 506.49 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 518.70 562.10 Td (period-end ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 550.10 Td (common ) Tj ET Q q 0 0 0 rg BT 105.06 550.10 Td (shares. ) Tj ET Q q 0 0 0 rg BT 134.47 550.10 Td (T) Tj ET Q q 0 0 0 rg BT 140.22 550.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 152.84 550.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 159.90 550.10 Td (common ) Tj ET Q q 0 0 0 rg BT 196.96 550.10 Td (under ) Tj ET Q q 0 0 0 rg BT 221.80 550.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 246.08 550.10 Td (I ) Tj ET Q q 0 0 0 rg BT 251.47 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.98 550.10 Td (III ) Tj ET Q q 0 0 0 rg BT 280.03 550.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 304.04 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.54 550.10 Td (SLR ) Tj ET Q q 0 0 0 rg BT 340.95 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 355.22 550.10 Td (used ) Tj ET Q q 0 0 0 rg BT 375.61 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 387.68 550.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 443.33 550.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 464.84 550.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 509.39 550.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 547.56 550.10 Td (and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 538.10 Td (analysts ) Tj ET Q q 0 0 0 rg BT 102.32 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.21 538.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 138.76 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.30 538.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 189.07 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.39 538.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 225.62 538.10 Td (s ) Tj ET Q q 0 0 0 rg BT 231.62 538.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 260.38 538.10 Td (position ) Tj ET Q q 0 0 0 rg BT 294.71 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 311.25 538.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 344.49 538.10 Td (. ) Tj ET Q q 0 0 0 rg BT 348.95 538.10 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 372.44 538.10 Td (ROTCE, ) Tj ET Q q 0 0 0 rg BT 409.82 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.22 538.10 Td (TBVS ) Tj ET Q q 0 0 0 rg BT 453.88 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 468.20 538.10 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 515.85 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 525.73 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.05 538.10 Td (Firm, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 78.98 526.10 Td (well ) Tj ET Q q 0 0 0 rg BT 98.85 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 109.84 526.10 Td (analysts ) Tj ET Q q 0 0 0 rg BT 144.71 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 161.80 526.10 Td (investors, ) Tj ET Q q 0 0 0 rg BT 203.06 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 213.49 526.10 Td (assessing ) Tj ET Q q 0 0 0 rg BT 253.36 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.23 526.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 290.46 526.10 Td (s ) Tj ET Q q 0 0 0 rg BT 297.00 526.10 Td (use ) Tj ET Q q 0 0 0 rg BT 312.99 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.97 526.10 Td (equity) Tj ET Q q 0 0 0 rg BT 348.32 526.10 Td (. ) Tj ET Q q 0 0 0 rg BT 353.47 526.10 Td (For ) Tj ET Q q 0 0 0 rg BT 370.01 526.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 412.66 526.10 Td (information ) Tj ET Q q 0 0 0 rg BT 462.52 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 474.98 526.10 Td (T) Tj ET Q q 0 0 0 rg BT 480.74 526.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 493.94 526.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 501.59 526.10 Td (common ) Tj ET Q q 0 0 0 rg BT 539.24 526.10 Td (under ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 514.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 92.97 514.10 Td (I ) Tj ET Q q 0 0 0 rg BT 99.06 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.25 514.10 Td (III, ) Tj ET Q q 0 0 0 rg BT 131.50 514.10 Td (see ) Tj ET Q q 0 0 0 rg BT 147.02 514.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 194.21 514.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 223.62 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 236.37 514.10 Td (pages ) Tj ET Q q 0 0 0 rg BT 261.90 514.10 Td (1) Tj ET Q q 0 0 0 rg BT 266.52 514.10 Td (17-1) Tj ET Q q 0 0 0 rg BT 284.48 514.10 Td (19 ) Tj ET Q q 0 0 0 rg BT 297.24 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.32 514.10 Td (JPMor) Tj ET Q q 0 0 0 rg BT 334.82 514.10 Td (gan ) Tj ET Q q 0 0 0 rg BT 352.01 514.10 Td (Chase ) Tj ET Q q 0 0 0 rg BT 379.21 514.10 Td (& ) Tj ET Q q 0 0 0 rg BT 389.74 514.10 Td (Co.? Tj ET Q q 0 0 0 rg BT 406.69 514.10 Td (s ) Tj ET Q q 0 0 0 rg BT 412.73 514.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 444.92 514.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 474.89 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 487.65 514.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 512.07 514.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 535.38 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 549.80 514.10 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 502.10 Td (year ) Tj ET Q q 0 0 0 rg BT 88.50 502.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 115.67 502.10 Td (December ) Tj ET Q q 0 0 0 rg BT 160.04 502.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 175.83 502.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 201.62 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.35 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 232.64 502.10 Td (pages ) Tj ET Q q 0 0 0 rg BT 258.70 502.10 Td (61-65 ) Tj ET Q q 0 0 0 rg BT 285.32 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.95 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.45 502.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 334.68 502.10 Td (s ) Tj ET Q q 0 0 0 rg BT 341.86 502.10 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 383.47 502.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 413.98 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 427.27 502.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 452.23 502.10 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 476.07 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 491.02 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.53 502.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 538.14 502.10 Td (ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 490.10 Td (September ) Tj ET Q q 0 0 0 rg BT 112.49 490.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 126.72 490.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 150.56 490.10 Td (All ) Tj ET Q q 0 0 0 rg BT 165.07 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.12 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.06 490.10 Td (aforementioned ) Tj ET Q q 0 0 0 rg BT 253.54 490.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 292.47 490.10 Td (are ) Tj ET Q q 0 0 0 rg BT 306.41 490.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 332.57 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 342.07 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.02 490.10 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 379.69 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 389.75 490.10 Td (well ) Tj ET Q q 0 0 0 rg BT 408.69 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 418.75 490.10 Td (analysts ) Tj ET Q q 0 0 0 rg BT 452.69 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.85 490.10 Td (investors, ) Tj ET Q q 0 0 0 rg BT 509.19 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.69 490.10 Td (facilitating ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 478.10 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 121.05 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.88 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.59 478.10 Td (Firm ) Tj ET Q q 0 0 0 rg BT 168.54 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 188.82 478.10 Td (competitors.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (e. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 454.10 Td (In ) Tj ET Q q 0 0 0 rg BT 78.84 454.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 122.47 454.10 Td (& ) Tj ET Q q 0 0 0 rg BT 132.76 454.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 183.05 454.10 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 221.96 454.10 Td (supplemental ) Tj ET Q q 0 0 0 rg BT 277.79 454.10 Td (information ) Tj ET Q q 0 0 0 rg BT 327.51 454.10 Td (is ) Tj ET Q q 0 0 0 rg BT 336.70 454.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 374.76 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 388.93 454.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 410.88 454.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 447.28 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.57 454.10 Td (enable ) Tj ET Q q 0 0 0 rg BT 486.17 454.10 Td (comparability ) Tj ET Q q 0 0 0 rg BT 544.23 454.10 Td (with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 442.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 89.94 442.10 Td (periods. ) Tj ET Q q 0 0 0 rg BT 124.20 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 142.24 442.10 Td (net ) Tj ET Q q 0 0 0 rg BT 156.96 442.10 Td (char) Tj ET Q q 0 0 0 rg BT 173.99 442.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 194.90 442.10 Td (f ) Tj ET Q q 0 0 0 rg BT 200.73 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.67 442.10 Td (30+ ) Tj ET Q q 0 0 0 rg BT 235.81 442.10 Td (day ) Tj ET Q q 0 0 0 rg BT 252.75 442.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 304.12 442.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 325.50 442.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 366.32 442.10 Td (include ) Tj ET Q q 0 0 0 rg BT 398.25 442.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 421.86 442.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 453.86 442.10 Td (-sale. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (f. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 418.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 109.84 418.10 Td (& ) Tj ET Q q 0 0 0 rg BT 119.47 418.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 165.76 418.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 188.72 418.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 225.02 418.10 Td (several ) Tj ET Q q 0 0 0 rg BT 255.19 418.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 294.25 418.10 Td (which ) Tj ET Q q 0 0 0 rg BT 320.54 418.10 Td (exclude ) Tj ET Q q 0 0 0 rg BT 353.49 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.56 418.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 396.63 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.81 418.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 439.77 418.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 478.84 418.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 528.47 418.10 Td (\("FV) Tj ET Q q 0 0 0 rg BT 547.38 418.10 Td (A"\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 406.10 Td (\(ef) Tj ET Q q 0 0 0 rg BT 78.92 406.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 108.81 406.10 Td (4Q13\) ) Tj ET Q q 0 0 0 rg BT 137.06 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.19 406.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 176.87 406.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 216.78 406.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 267.24 406.10 Td (\(DV) Tj ET Q q 0 0 0 rg BT 288.17 406.10 Td (A\) ) Tj ET Q q 0 0 0 rg BT 305.85 406.10 Td (on: ) Tj ET Q q 0 0 0 rg BT 321.32 406.10 Td (net ) Tj ET Q q 0 0 0 rg BT 336.23 406.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 373.06 406.10 Td (net ) Tj ET Q q 0 0 0 rg BT 387.97 406.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 422.60 406.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 480.83 406.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 504.35 406.10 Td (overhead ) Tj ET Q q 0 0 0 rg BT 543.69 406.10 Td (ratio ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 84.94 394.10 Td (return ) Tj ET Q q 0 0 0 rg BT 111.32 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 123.82 394.10 Td (equity) Tj ET Q q 0 0 0 rg BT 148.16 394.10 Td (. ) Tj ET Q q 0 0 0 rg BT 152.98 394.10 Td (These ) Tj ET Q q 0 0 0 rg BT 179.36 394.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 219.06 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 233.77 394.10 Td (used ) Tj ET Q q 0 0 0 rg BT 254.60 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 267.10 394.10 Td (management ) Tj ET Q q 0 0 0 rg BT 320.69 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 330.97 394.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 357.91 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.63 394.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 418.45 394.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 471.48 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.31 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.02 394.10 Td (business ) Tj ET Q q 0 0 0 rg BT 533.42 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 550.35 394.10 Td (for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 382.10 Td (comparability ) Tj ET Q q 0 0 0 rg BT 126.04 382.10 Td (with ) Tj ET Q q 0 0 0 rg BT 146.32 382.10 Td (peers. ) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (2. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 68.00 741.60 Td (Additional ) Tj ET Q q 0 0 0 rg BT 120.88 741.60 Td (notes ) Tj ET Q q 0 0 0 rg BT 148.07 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 162.44 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 206.14 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 240.77 741.60 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (Headcount-related ) Tj ET Q q 0 0 0 rg BT 150.24 717.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 190.84 717.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 232.55 717.60 Td (salary ) Tj ET Q q 0 0 0 rg BT 264.82 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.65 717.60 Td (benefits ) Tj ET Q q 0 0 0 rg BT 327.69 717.60 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 378.85 717.60 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 463.86 717.60 Td (incentives\), ) Tj ET Q q 0 0 0 rg BT 518.62 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 541.45 717.60 Td (other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (noncompensation ) Tj ET Q q 0 0 0 rg BT 141.04 705.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 163.54 705.60 Td (related ) Tj ET Q q 0 0 0 rg BT 193.24 705.60 Td (to ) Tj ET Q q 0 0 0 rg BT 203.52 705.60 Td (employees.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 681.60 Td (b. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 112.64 681.60 Td (& ) Tj ET Q q 0 0 0 rg BT 123.94 681.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 175.25 681.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 212.67 681.60 Td (deposit ) Tj ET Q q 0 0 0 rg BT 245.08 681.60 Td (rankings ) Tj ET Q q 0 0 0 rg BT 283.05 681.60 Td (are ) Tj ET Q q 0 0 0 rg BT 298.78 681.60 Td (based ) Tj ET Q q 0 0 0 rg BT 325.08 681.60 Td (on ) Tj ET Q q 0 0 0 rg BT 338.61 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 354.35 681.60 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 380.66 681.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 404.19 681.60 Td (Summary ) Tj ET Q q 0 0 0 rg BT 446.61 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 458.46 681.60 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 496.99 681.60 Td (survey ) Tj ET Q q 0 0 0 rg BT 527.18 681.60 Td (per ) Tj ET Q q 0 0 0 rg BT 543.48 681.60 Td (SNL) Tj ET Q q 0 0 0 rg BT 562.00 681.60 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (Financial. ) Tj ET Q q 0 0 0 rg BT 109.66 669.60 Td (Accounts ) Tj ET Q q 0 0 0 rg BT 149.93 669.60 Td (include ) Tj ET Q q 0 0 0 rg BT 181.86 669.60 Td (checking ) Tj ET Q q 0 0 0 rg BT 220.46 669.60 Td (accounts ) Tj ET Q q 0 0 0 rg BT 257.94 669.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.88 669.60 Td (Chase ) Tj ET Q q 0 0 0 rg BT 301.82 669.60 Td (Liquid) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 328.48 674.13 Td (SM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.88 669.60 Td ( ) Tj ET Q q 0 0 0 rg BT 340.38 669.60 Td (cards.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 645.60 Td (c. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 109.17 645.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 145.36 645.60 Td (provision ) Tj ET Q q 0 0 0 rg BT 185.43 645.60 Td (for ) Tj ET Q q 0 0 0 rg BT 199.39 645.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 224.45 645.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 250.64 645.60 Td (is ) Tj ET Q q 0 0 0 rg BT 259.60 645.60 Td (included ) Tj ET Q q 0 0 0 rg BT 296.33 645.60 Td (in ) Tj ET Q q 0 0 0 rg BT 306.41 645.60 Td (the ) Tj ET Q q 0 0 0 rg BT 320.92 645.60 Td (functional ) Tj ET Q q 0 0 0 rg BT 363.76 645.60 Td (results ) Tj ET Q q 0 0 0 rg BT 392.16 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 402.79 645.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 423.41 645.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 450.14 645.60 Td (Portfolios ) Tj ET Q q 0 0 0 rg BT 491.89 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 508.62 645.60 Td (in ) Tj ET Q q 0 0 0 rg BT 518.70 645.60 Td (production ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 102.71 633.60 Td (of ) Tj ET Q q 0 0 0 rg BT 113.54 633.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 154.91 633.60 Td (Production.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 609.60 Td (d. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 609.60 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.39 609.60 Td (card ) Tj ET Q q 0 0 0 rg BT 114.99 609.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 136.83 609.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 169.22 609.60 Td (is ) Tj ET Q q 0 0 0 rg BT 178.28 609.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 218.99 609.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 260.82 609.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 312.64 609.60 Td (Card. ) Tj ET Q q 0 0 0 rg BT 336.98 609.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 377.15 609.60 Td (and ) Tj ET Q q 0 0 0 rg BT 393.98 609.60 Td (comparison ) Tj ET Q q 0 0 0 rg BT 443.03 609.60 Td (of ) Tj ET Q q 0 0 0 rg BT 453.76 609.60 Td (general ) Tj ET Q q 0 0 0 rg BT 485.58 609.60 Td (purpose ) Tj ET Q q 0 0 0 rg BT 519.63 609.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 544.79 609.60 Td (card ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 597.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 89.94 597.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 122.43 597.60 Td (are ) Tj ET Q q 0 0 0 rg BT 137.14 597.60 Td (based ) Tj ET Q q 0 0 0 rg BT 162.41 597.60 Td (on ) Tj ET Q q 0 0 0 rg BT 174.91 597.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 221.85 597.60 Td (by ) Tj ET Q q 0 0 0 rg BT 234.35 597.60 Td (peers ) Tj ET Q q 0 0 0 rg BT 257.95 597.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.88 597.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 307.93 597.60 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 350.14 597.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 390.42 597.60 Td (are ) Tj ET Q q 0 0 0 rg BT 405.12 597.60 Td (as ) Tj ET Q q 0 0 0 rg BT 415.95 597.60 Td (of ) Tj ET Q q 0 0 0 rg BT 426.78 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 441.50 597.60 Td (third ) Tj ET Q q 0 0 0 rg BT 462.89 597.60 Td (quarter ) Tj ET Q q 0 0 0 rg BT 493.70 597.60 Td (of ) Tj ET Q q 0 0 0 rg BT 504.53 597.60 Td (2013.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 573.60 Td (e. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 573.60 Td (In ) Tj ET Q q 0 0 0 rg BT 79.42 573.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 131.93 573.60 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 171.40 573.60 Td (ef) Tj ET Q q 0 0 0 rg BT 178.99 573.60 Td (fective ) Tj ET Q q 0 0 0 rg BT 209.28 573.60 Td (January ) Tj ET Q q 0 0 0 rg BT 243.46 573.60 Td (1, ) Tj ET Q q 0 0 0 rg BT 254.05 573.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 279.64 573.60 Td (whole ) Tj ET Q q 0 0 0 rg BT 307.16 573.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 327.46 573.60 Td (financing ) Tj ET Q q 0 0 0 rg BT 368.31 573.60 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 419.43 573.60 Td (previously ) Tj ET Q q 0 0 0 rg BT 464.73 573.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 501.13 573.60 Td (as ) Tj ET Q q 0 0 0 rg BT 512.55 573.60 Td (other ) Tj ET Q q 0 0 0 rg BT 536.18 573.60 Td (assets, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 561.60 Td (were ) Tj ET Q q 0 0 0 rg BT 90.19 561.60 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 138.48 561.60 Td (as ) Tj ET Q q 0 0 0 rg BT 149.57 561.60 Td (loans. ) Tj ET Q q 0 0 0 rg BT 175.94 561.60 Td (For ) Tj ET Q q 0 0 0 rg BT 192.60 561.60 Td (the ) Tj ET Q q 0 0 0 rg BT 207.58 561.60 Td (three ) Tj ET Q q 0 0 0 rg BT 230.32 561.60 Td (months ) Tj ET Q q 0 0 0 rg BT 262.53 561.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 289.17 561.60 Td (December ) Tj ET Q q 0 0 0 rg BT 333.01 561.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 348.28 561.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 373.54 561.60 Td (September ) Tj ET Q q 0 0 0 rg BT 419.06 561.60 Td (30, ) Tj ET Q q 0 0 0 rg BT 434.32 561.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 459.58 561.60 Td (June ) Tj ET Q q 0 0 0 rg BT 480.68 561.60 Td (30, ) Tj ET Q q 0 0 0 rg BT 495.94 561.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 518.70 561.60 Td (and ) Tj ET Q q 0 0 0 rg BT 535.90 561.60 Td (March ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 549.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 83.47 549.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 108.94 549.60 Td (the ) Tj ET Q q 0 0 0 rg BT 124.12 549.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 154.30 549.60 Td (on ) Tj ET Q q 0 0 0 rg BT 167.27 549.60 Td (period-end ) Tj ET Q q 0 0 0 rg BT 213.55 549.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.63 549.60 Td (was ) Tj ET Q q 0 0 0 rg BT 256.15 549.60 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 276.61 549.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 308.20 549.60 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 328.66 549.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 360.24 549.60 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 380.71 549.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 409.79 549.60 Td (and ) Tj ET Q q 0 0 0 rg BT 427.20 549.60 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 447.67 549.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 479.25 549.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 526.91 549.60 Td (, ) Tj ET Q q 0 0 0 rg BT 532.38 549.60 Td (and ) Tj ET Q q 0 0 0 rg BT 549.78 549.60 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 537.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 97.71 537.60 Td (on ) Tj ET Q q 0 0 0 rg BT 110.21 537.60 Td (average ) Tj ET Q q 0 0 0 rg BT 143.80 537.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 167.40 537.60 Td (was ) Tj ET Q q 0 0 0 rg BT 185.46 537.60 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 205.46 537.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 236.57 537.60 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 256.57 537.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 287.68 537.60 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 307.68 537.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 336.30 537.60 Td (and ) Tj ET Q q 0 0 0 rg BT 353.23 537.60 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 373.23 537.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 404.35 537.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 452.01 537.60 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 513.60 Td (f. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (Asset ) Tj ET Q q 0 0 0 rg BT 93.40 513.60 Td (Management ) Tj ET Q q 0 0 0 rg BT 148.78 513.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 176.95 513.60 Td (mar) Tj ET Q q 0 0 0 rg BT 192.32 513.60 Td (gin ) Tj ET Q q 0 0 0 rg BT 208.27 513.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 251.99 513.60 Td (income ) Tj ET Q q 0 0 0 rg BT 284.61 513.60 Td (before ) Tj ET Q q 0 0 0 rg BT 313.32 513.60 Td (income ) Tj ET Q q 0 0 0 rg BT 345.94 513.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 361.33 513.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 396.72 513.60 Td (divided ) Tj ET Q q 0 0 0 rg BT 429.90 513.60 Td (by ) Tj ET Q q 0 0 0 rg BT 443.08 513.60 Td (total ) Tj ET Q q 0 0 0 rg BT 464.03 513.60 Td (net ) Tj ET Q q 0 0 0 rg BT 479.43 513.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 514.25 513.60 Td (which ) Tj ET Q q 0 0 0 rg BT 541.87 513.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 554.22 513.60 Td (in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 501.60 Td (management's ) Tj ET Q q 0 0 0 rg BT 127.04 501.60 Td (view) Tj ET Q q 0 0 0 rg BT 145.83 501.60 Td (, ) Tj ET Q q 0 0 0 rg BT 150.59 501.60 Td (a ) Tj ET Q q 0 0 0 rg BT 157.28 501.60 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 220.07 501.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 255.64 501.60 Td (of ) Tj ET Q q 0 0 0 rg BT 266.23 501.60 Td (pretax ) Tj ET Q q 0 0 0 rg BT 293.47 501.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 346.25 501.60 Td (derived ) Tj ET Q q 0 0 0 rg BT 378.50 501.60 Td (by ) Tj ET Q q 0 0 0 rg BT 390.75 501.60 Td (measuring ) Tj ET Q q 0 0 0 rg BT 434.67 501.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 470.80 501.60 Td (after ) Tj ET Q q 0 0 0 rg BT 491.37 501.60 Td (all ) Tj ET Q q 0 0 0 rg BT 503.63 501.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 525.88 501.60 Td (are ) Tj ET Q q 0 0 0 rg BT 540.35 501.60 Td (taken ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (into ) Tj ET Q q 0 0 0 rg BT 86.62 489.60 Td (consideration. ) Tj ET Q q 0 0 0 rg BT 146.06 489.60 Td (It ) Tj ET Q q 0 0 0 rg BT 155.23 489.60 Td (is, ) Tj ET Q q 0 0 0 rg BT 167.46 489.60 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 209.11 489.60 Td (another ) Tj ET Q q 0 0 0 rg BT 242.16 489.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 265.22 489.60 Td (that ) Tj ET Q q 0 0 0 rg BT 283.28 489.60 Td (management ) Tj ET Q q 0 0 0 rg BT 337.44 489.60 Td (uses ) Tj ET Q q 0 0 0 rg BT 357.72 489.60 Td (to ) Tj ET Q q 0 0 0 rg BT 368.56 489.60 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 404.94 489.60 Td (the ) Tj ET Q q 0 0 0 rg BT 420.22 489.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 473.81 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 484.52 489.60 Td (Asset ) Tj ET Q q 0 0 0 rg BT 509.81 489.60 Td (Management ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 477.60 Td (against ) Tj ET Q q 0 0 0 rg BT 98.83 477.60 Td (the ) Tj ET Q q 0 0 0 rg BT 113.54 477.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 166.56 477.60 Td (of ) Tj ET Q q 0 0 0 rg BT 177.39 477.60 Td (its ) Tj ET Q q 0 0 0 rg BT 189.34 477.60 Td (respective ) Tj ET Q q 0 0 0 rg BT 232.38 477.60 Td (peers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 453.60 Td (g. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.99 453.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.43 453.60 Td (of ) Tj ET Q q 0 0 0 rg BT 129.20 453.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.41 453.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.40 453.60 Td (to ) Tj ET Q q 0 0 0 rg BT 202.62 453.60 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.17 453.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.15 453.60 Td (new ) Tj ET Q q 0 0 0 rg BT 293.26 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 310.14 453.60 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.45 453.60 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.16 453.60 Td (including ) Tj ET Q q 0 0 0 rg BT 414.37 453.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.93 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 454.81 453.60 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.01 453.60 Td (The ) Tj ET Q q 0 0 0 rg BT 532.01 453.60 Td (amount ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 441.60 Td (of ) Tj ET Q q 0 0 0 rg BT 78.35 441.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 103.13 441.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.70 441.60 Td (to ) Tj ET Q q 0 0 0 rg BT 150.50 441.60 Td (small ) Tj ET Q q 0 0 0 rg BT 174.18 441.60 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.42 441.60 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.86 441.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.99 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.45 441.60 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.22 441.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.13 441.60 Td (of ) Tj ET Q q 0 0 0 rg BT 360.48 441.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.26 441.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 422.82 441.60 Td (by ) Tj ET Q q 0 0 0 rg BT 434.84 441.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 477.97 441.60 Td (& ) Tj ET Q q 0 0 0 rg BT 487.77 441.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.35 441.60 Td (Banking; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (Card, ) Tj ET Q q 0 0 0 rg BT 93.10 429.60 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 134.58 429.60 Td (Services ) Tj ET Q q 0 0 0 rg BT 171.62 429.60 Td (& ) Tj ET Q q 0 0 0 rg BT 181.86 429.60 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 207.80 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 225.41 429.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 278.00 429.60 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 317.32 429.60 Td (The ) Tj ET Q q 0 0 0 rg BT 336.03 429.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 369.19 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 380.68 429.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.61 429.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 445.32 429.60 Td (to ) Tj ET Q q 0 0 0 rg BT 456.26 429.60 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 496.64 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 514.24 429.60 Td (government ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (entities, ) Tj ET Q q 0 0 0 rg BT 102.02 417.60 Td (including ) Tj ET Q q 0 0 0 rg BT 142.42 417.60 Td (states, ) Tj ET Q q 0 0 0 rg BT 169.77 417.60 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 231.56 417.60 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 269.76 417.60 Td (and ) Tj ET Q q 0 0 0 rg BT 286.83 417.60 Td (universities, ) Tj ET Q q 0 0 0 rg BT 338.07 417.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 381.24 417.60 Td (that ) Tj ET Q q 0 0 0 rg BT 398.87 417.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 437.05 417.60 Td (by ) Tj ET Q q 0 0 0 rg BT 449.68 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 464.53 417.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 507.15 417.60 Td (& ) Tj ET Q q 0 0 0 rg BT 517.57 417.60 Td (Investment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.61 405.60 Td (and ) Tj ET Q q 0 0 0 rg BT 108.55 405.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 160.48 405.60 Td (Banking. ) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (15) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 81.79 740.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 102.03 740.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 134.27 740.70 Td (& ) Tj ET Q q 0 0 0 rg BT 146.52 740.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 166.44 740.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 208.02 740.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 236.94 740.70 Td (is ) Tj ET Q q 0 0 0 rg BT 247.86 740.70 Td (a ) Tj ET Q q 0 0 0 rg BT 256.10 740.70 Td (leading ) Tj ET Q q 0 0 0 rg BT 294.33 740.70 Td (global ) Tj ET Q q 0 0 0 rg BT 327.24 740.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 372.13 740.70 Td (services ) Tj ET Q q 0 0 0 rg BT 413.69 740.70 Td (firm ) Tj ET Q q 0 0 0 rg BT 437.27 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 461.51 740.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 492.42 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 505.33 740.70 Td ($2.4trillion ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 69.93 726.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 122.51 726.30 Td (worldwide. ) Tj ET Q q 0 0 0 rg BT 179.25 726.30 Td (The ) Tj ET Q q 0 0 0 rg BT 200.50 726.30 Td (Firm ) Tj ET Q q 0 0 0 rg BT 226.44 726.30 Td (is ) Tj ET Q q 0 0 0 rg BT 237.05 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 244.97 726.30 Td (leader ) Tj ET Q q 0 0 0 rg BT 276.88 726.30 Td (in ) Tj ET Q q 0 0 0 rg BT 288.81 726.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 344.07 726.30 Td (banking, ) Tj ET Q q 0 0 0 rg BT 388.33 726.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.91 726.30 Td (services ) Tj ET Q q 0 0 0 rg BT 474.16 726.30 Td (for ) Tj ET Q q 0 0 0 rg BT 490.75 726.30 Td (consumers ) Tj ET Q q 0 0 0 rg BT 544.67 726.30 Td (and ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (small ) Tj ET Q q 0 0 0 rg BT 77.60 711.90 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 132.87 711.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 191.10 711.90 Td (banking, ) Tj ET Q q 0 0 0 rg BT 234.37 711.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 277.94 711.90 Td (transaction ) Tj ET Q q 0 0 0 rg BT 332.19 711.90 Td (processing, ) Tj ET Q q 0 0 0 rg BT 388.11 711.90 Td (asset ) Tj ET Q q 0 0 0 rg BT 413.04 711.90 Td (management ) Tj ET Q q 0 0 0 rg BT 475.95 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 494.88 711.90 Td (private ) Tj ET Q q 0 0 0 rg BT 529.79 711.90 Td (equity) Tj ET Q q 0 0 0 rg BT 559.01 711.90 Td (. ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (A) Tj ET Q q 0 0 0 rg BT 58.00 697.50 Td ( ) Tj ET Q q 0 0 0 rg BT 60.70 697.50 Td (component ) Tj ET Q q 0 0 0 rg BT 116.71 697.50 Td (of ) Tj ET Q q 0 0 0 rg BT 129.41 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 146.76 697.50 Td (Dow ) Tj ET Q q 0 0 0 rg BT 172.79 697.50 Td (Jones ) Tj ET Q q 0 0 0 rg BT 202.15 697.50 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 250.24 697.50 Td (A) Tj ET Q q 0 0 0 rg BT 258.02 697.50 Td (verage, ) Tj ET Q q 0 0 0 rg BT 295.69 697.50 Td (JPMor) Tj ET Q q 0 0 0 rg BT 327.48 697.50 Td (gan ) Tj ET Q q 0 0 0 rg BT 347.50 697.50 Td (Chase ) Tj ET Q q 0 0 0 rg BT 379.52 697.50 Td (& ) Tj ET Q q 0 0 0 rg BT 391.55 697.50 Td (Co. ) Tj ET Q q 0 0 0 rg BT 411.25 697.50 Td (serves ) Tj ET Q q 0 0 0 rg BT 443.93 697.50 Td (millions ) Tj ET Q q 0 0 0 rg BT 485.97 697.50 Td (of ) Tj ET Q q 0 0 0 rg BT 498.66 697.50 Td (consumers ) Tj ET Q q 0 0 0 rg BT 552.68 697.50 Td (in ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 68.11 683.10 Td (United ) Tj ET Q q 0 0 0 rg BT 104.22 683.10 Td (States ) Tj ET Q q 0 0 0 rg BT 136.33 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.10 683.10 Td (many ) Tj ET Q q 0 0 0 rg BT 187.21 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.66 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.76 683.10 Td (world's ) Tj ET Q q 0 0 0 rg BT 257.04 683.10 Td (most ) Tj ET Q q 0 0 0 rg BT 283.83 683.10 Td (prominent ) Tj ET Q q 0 0 0 rg BT 336.60 683.10 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 388.35 683.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 449.13 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.91 683.10 Td (government ) Tj ET Q q 0 0 0 rg BT 530.67 683.10 Td (clients ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (under ) Tj ET Q q 0 0 0 rg BT 83.27 668.70 Td (its ) Tj ET Q q 0 0 0 rg BT 100.55 668.70 Td (J.P) Tj ET Q q 0 0 0 rg BT 113.56 668.70 Td (. ) Tj ET Q q 0 0 0 rg BT 122.51 668.70 Td (Mor) Tj ET Q q 0 0 0 rg BT 142.96 668.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 166.23 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 189.50 668.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 224.77 668.70 Td (brands. ) Tj ET Q q 0 0 0 rg BT 265.71 668.70 Td (Information ) Tj ET Q q 0 0 0 rg BT 328.97 668.70 Td (about ) Tj ET Q q 0 0 0 rg BT 361.57 668.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 393.37 668.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 416.64 668.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 451.91 668.70 Td (& ) Tj ET Q q 0 0 0 rg BT 467.19 668.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 490.14 668.70 Td (is ) Tj ET Q q 0 0 0 rg BT 504.08 668.70 Td (available ) Tj ET Q q 0 0 0 rg BT 553.34 668.70 Td (at) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 562.00 668.70 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 50.00 654.30 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 75.22 654.30 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 106.67 654.30 Td (ganchase.com.) 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0 0 rg BT 255.14 402.30 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 303.47 402.30 Td (statements. ) Tj ET Q q 0 0 0 rg BT 359.47 402.30 Td (Factors ) Tj ET Q q 0 0 0 rg BT 399.14 402.30 Td (that ) Tj ET Q q 0 0 0 rg BT 420.14 402.30 Td (could ) Tj ET Q q 0 0 0 rg BT 449.14 402.30 Td (cause ) Tj ET Q q 0 0 0 rg BT 478.80 402.30 Td (JPMor) Tj ET Q q 0 0 0 rg BT 511.68 402.30 Td (gan ) Tj ET Q q 0 0 0 rg BT 532.02 402.30 Td (Chase ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 387.90 Td (& ) Tj ET Q q 0 0 0 rg BT 63.10 387.90 Td (Co.'s ) Tj ET Q q 0 0 0 rg BT 91.11 387.90 Td (actual ) Tj ET Q q 0 0 0 rg BT 124.87 387.90 Td (r) Tj ET Q q 0 0 0 rg BT 129.09 387.90 Td (esults ) Tj ET Q q 0 0 0 rg BT 160.19 387.90 Td (to ) Tj ET Q q 0 0 0 rg BT 173.29 387.90 Td (differ ) Tj ET Q q 0 0 0 rg BT 203.06 387.90 Td (materially ) Tj ET Q q 0 0 0 rg BT 256.15 387.90 Td (fr) Tj ET Q q 0 0 0 rg BT 263.70 387.90 Td (om ) Tj ET Q q 0 0 0 rg BT 282.14 387.90 Td (those ) Tj ET Q q 0 0 0 rg BT 311.23 387.90 Td 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0 rg BT 222.95 646.63 Td (104) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 274.95 646.63 Td (\(543) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 646.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 330.95 646.63 Td (656) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 366.65 646.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 405.30 646.63 Td (\(84) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 646.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 461.95 646.63 Td (225) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 510.95 646.63 Td (3,385) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 566.30 646.63 Td (\(93) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 646.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 637.63 Td (NET INCOME/\(LOSS\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 217.95 637.63 Td (5,278) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 274.95 637.63 Td (\(380) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 637.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 325.95 637.63 Td (5,692) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 366.65 637.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 637.63 Td (\(7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 637.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 453.60 637.63 Td (17,923) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 507.60 637.63 Td (21,284) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 566.30 637.63 Td (\(16) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 637.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 624.63 Td (Managed Basis \(a\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 615.63 Td (Total net revenue) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 214.60 615.63 Td (24,112) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 268.60 615.63 Td (23,880) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 322.60 615.63 Td (24,378) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 615.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 615.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 615.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 453.60 615.63 Td (99,798) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 507.60 615.63 Td (99,890) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 573.00 615.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 606.63 Td (Total noninterest expense) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 214.60 606.63 Td (15,552) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 268.60 606.63 Td (23,626) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 322.60 606.63 Td (16,047) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 368.30 606.63 Td (\(34) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 377.00 606.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 606.63 Td (\(3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 606.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 453.60 606.63 Td (70,467) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 507.60 606.63 Td (64,729) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 606.63 Td (9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 597.63 Td (Pre-provision profit) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 217.95 597.63 Td (8,560) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 276.95 597.63 Td (254) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 325.95 597.63 Td (8,331) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 366.65 597.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 597.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 453.60 597.63 Td (29,331) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 507.60 597.63 Td (35,161) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 566.30 597.63 Td (\(17) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 597.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 588.63 Td (Provision for credit losses) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 222.95 588.63 Td (104) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 274.95 588.63 Td (\(543) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 588.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 330.95 588.63 Td (656) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 366.65 588.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 405.30 588.63 Td (\(84) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 588.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 461.95 588.63 Td (225) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 510.95 588.63 Td (3,385) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 566.30 588.63 Td (\(93) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 588.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 579.63 Td (NET INCOME/\(LOSS\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 217.95 579.63 Td (5,278) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 274.95 579.63 Td (\(380) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 579.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 325.95 579.63 Td (5,692) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 366.65 579.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 579.63 Td (\(7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 579.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 453.60 579.63 Td (17,923) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 507.60 579.63 Td (21,284) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 566.30 579.63 Td (\(16) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 579.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 565.68115234375 m 134.9990234375 565.68115234375 l s q 0 0 0 rg BT 53.00 566.63 Td (PER COMMON SHARE DATA) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 557.63 Td (Net income/\(loss\): Basic) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 221.25 557.63 Td (1.31) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 273.30 557.63 Td (\(0.17) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 557.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 329.30 557.63 Td (1.40) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 366.65 557.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 557.63 Td (\(6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 557.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 460.30 557.63 Td (4.39) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 514.30 557.63 Td (5.22) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 566.30 557.63 Td (\(16) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 557.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 548.63 Td ( Diluted) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 221.25 548.63 Td (1.30) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 273.30 548.63 Td (\(0.17) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 548.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 329.30 548.63 Td (1.39) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 366.65 548.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 548.63 Td (\(6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 548.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 460.30 548.63 Td (4.35) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 514.30 548.63 Td (5.20) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 566.30 548.63 Td (\(16) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 548.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 539.63 Td (Cash dividends declared) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 221.25 539.63 Td (0.38) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 275.30 539.63 Td (0.38) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 329.30 539.63 Td (0.30) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 375.00 539.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 407.30 539.63 Td (27) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 460.30 539.63 Td (1.44) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 477.00 539.63 Td (\(l\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 514.30 539.63 Td (1.20) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 568.30 539.63 Td (20) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 530.63 Td (Book value) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 217.95 530.63 Td (53.25) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 271.95 530.63 Td (52.01) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 325.95 530.63 Td (51.27) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 530.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 530.63 Td (4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 456.95 530.63 Td (53.25) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 510.95 530.63 Td (51.27) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 530.63 Td (4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 521.63 Td (Tangible book value \(b\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 217.95 521.63 Td (40.81) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 271.95 521.63 Td (39.51) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 325.95 521.63 Td (38.75) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 521.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 521.63 Td (5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 456.95 521.63 Td (40.81) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 510.95 521.63 Td (38.75) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 521.63 Td (5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 508.63 Td (Closing share price \(c\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 217.95 508.63 Td (58.48) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 271.95 508.63 Td (51.69) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 325.95 508.63 Td (43.97) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 370.30 508.63 Td (13) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 407.30 508.63 Td (33) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 456.95 508.63 Td (58.48) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 510.95 508.63 Td (43.97) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 568.30 508.63 Td (33) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 499.63 Td (Market capitalization) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 211.25 499.63 Td (219,657) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 265.30 499.63 Td (194,312) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 319.30 499.63 Td (167,260) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 370.30 499.63 Td (13) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 407.30 499.63 Td (31) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.30 499.63 Td (219,657) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 504.30 499.63 Td (167,260) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 568.30 499.63 Td (31) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 486.63 Td (COMMON SHARES OUTSTANDING) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 477.63 Td (Average: Basic) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 212.95 477.63 Td (3,762.1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 266.95 477.63 Td (3,767.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 320.95 477.63 Td (3,806.7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 375.00 477.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 477.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 477.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 451.95 477.63 Td (3,782.4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 505.95 477.63 Td (3,809.4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 569.65 477.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 477.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 468.63 Td ( Diluted) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 212.95 468.63 Td (3,797.1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 266.95 468.63 Td (3,767.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 320.95 468.63 Td (3,820.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 468.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 468.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 468.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 451.95 468.63 Td (3,814.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 505.95 468.63 Td (3,822.2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 573.00 468.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 459.63 Td (Common shares at period-end) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 212.95 459.63 Td (3,756.1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 266.95 459.63 Td (3,759.2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 320.95 459.63 Td (3,804.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 375.00 459.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 459.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 459.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 451.95 459.63 Td (3,756.1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 505.95 459.63 Td (3,804.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 569.65 459.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 459.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 445.68115234375 m 118.4375 445.68115234375 l s q 0 0 0 rg BT 53.00 446.63 Td (FINANCIAL RATIOS \(d\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 437.63 Td (Return on common equity \("ROE"\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 226.25 437.63 Td (10) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 238.00 437.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 281.65 437.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 437.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 292.00 437.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 334.30 437.63 Td (11) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 346.00 437.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 468.65 437.63 Td (9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 477.00 437.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 519.30 437.63 Td (11) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 531.00 437.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 428.28 Td (Return on tangible common equity \("ROTCE"\) \(b\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 226.25 428.28 Td (14) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 281.65 428.28 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 428.28 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 334.30 428.28 Td (15) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 465.30 428.28 Td (11) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 519.30 428.28 Td (15) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 417.63 Td (Return on assets) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 221.25 417.63 Td (0.87) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 273.30 417.63 Td (\(0.06) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 417.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 329.30 417.63 Td (0.98) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 460.30 417.63 Td (0.75) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 514.30 417.63 Td (0.94) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 408.63 Td (Return on risk-weighted assets \(e\)\(f\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 221.25 408.63 Td (1.51) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 238.00 408.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 273.30 408.63 Td (\(0.11) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 408.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 329.30 408.63 Td (1.76) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 460.30 408.63 Td (1.28) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 477.00 408.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 514.30 408.63 Td (1.65) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 394.68115234375 m 109.994140625 394.68115234375 l s q 0 0 0 rg BT 53.00 395.63 Td (CAPITAL RATIOS \(f\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 386.63 Td (Tier 1 capital ratio) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 221.25 386.63 Td (11.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 238.00 386.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 275.30 386.63 Td (11.7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 329.30 386.63 Td (12.6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 460.30 386.63 Td (11.9) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 477.00 386.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 514.30 386.63 Td (12.6) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 377.63 Td (Total capital ratio) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 221.25 377.63 Td (14.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 238.00 377.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 275.30 377.63 Td (14.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 329.30 377.63 Td (15.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 460.30 377.63 Td (14.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 477.00 377.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 514.30 377.63 Td (15.3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 368.63 Td (Tier 1 common capital ratio \(g\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 221.25 368.63 Td (10.7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 238.00 368.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 275.30 368.63 Td (10.5) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 329.30 368.63 Td (11.0) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 460.30 368.63 Td (10.7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 477.00 368.63 Td (\(k\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 514.30 368.63 Td (11.0) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 350.33115234375 m 191.5537109375 350.33115234375 l s q 0 0 0 rg BT 53.00 351.28 Td (SELECTED BALANCE SHEET DATA \(period-end\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 340.63 Td (Total assets) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 198.00 340.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 206.25 340.63 Td (2,415,689) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 252.00 340.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 260.30 340.63 Td (2,463,309) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.00 340.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 314.30 340.63 Td (2,359,141) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 371.65 340.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 377.00 340.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 340.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 437.00 340.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 445.30 340.63 Td (2,415,689) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 491.00 340.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.30 340.63 Td (2,359,141) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 340.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 331.63 Td (Loans:) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 59.00 322.63 Td (Consumer, excluding credit card loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 211.25 322.63 Td (289,063) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 265.30 322.63 Td (288,350) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 319.30 322.63 Td (292,620) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 375.00 322.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 322.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 322.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.30 322.63 Td (289,063) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 504.30 322.63 Td (292,620) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 569.65 322.63 Td (\(1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 322.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 59.00 313.63 Td (Credit card loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 211.25 313.63 Td (127,791) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 265.30 313.63 Td (123,982) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 319.30 313.63 Td (127,993) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 313.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 412.00 313.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.30 313.63 Td (127,791) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 504.30 313.63 Td (127,993) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 573.00 313.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 59.00 304.63 Td (Wholesale loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 211.25 304.63 Td (321,564) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 265.30 304.63 Td (316,347) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 319.30 304.63 Td (313,183) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 304.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 304.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.30 304.63 Td (321,564) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 504.30 304.63 Td (313,183) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 304.63 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 65.00 295.63 Td (Total Loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 211.25 295.63 Td (738,418) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 265.30 295.63 Td (728,679) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 319.30 295.63 Td (733,796) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 295.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 295.63 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.30 295.63 Td (738,418) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 504.30 295.63 Td (733,796) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 295.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 286.63 Td (Deposits) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 206.25 286.63 Td (1,287,765) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 260.30 286.63 Td (1,281,102) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 314.30 286.63 Td (1,193,593) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 286.63 Td (1) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 286.63 Td (8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 445.30 286.63 Td (1,287,765) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 499.30 286.63 Td (1,193,593) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 286.63 Td (8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 277.63 Td (Long-term debt \(h\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 211.25 277.63 Td (267,889) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 265.30 277.63 Td (263,372) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 319.30 277.63 Td (249,024) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 277.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 277.63 Td (8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.30 277.63 Td (267,889) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 504.30 277.63 Td (249,024) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 277.63 Td (8) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 268.63 Td (Common stockholders' equity) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 211.25 268.63 Td (200,020) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 265.30 268.63 Td (195,512) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 319.30 268.63 Td (195,011) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 268.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 268.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.30 268.63 Td (200,020) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 504.30 268.63 Td (195,011) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 268.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 259.63 Td (Total stockholders' equity) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 211.25 259.63 Td (211,178) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 265.30 259.63 Td (206,670) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 319.30 259.63 Td (204,069) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 259.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.65 259.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.30 259.63 Td (211,178) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 504.30 259.63 Td (204,069) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 259.63 Td (3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 246.63 Td (Loans-to-deposits ratio) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 226.25 246.63 Td (57) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 238.00 246.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 280.30 246.63 Td (57) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 292.00 246.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 334.30 246.63 Td (61) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 346.00 246.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 465.30 246.63 Td (57) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 477.00 246.63 Td (%) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 519.30 246.63 Td (61) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 531.00 246.63 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 233.63 Td (Headcount \(i\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 211.25 233.63 Td (251,196) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 265.30 233.63 Td (255,041) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 319.30 233.63 Td (258,753) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 371.65 233.63 Td (\(2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 377.00 233.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 233.63 Td (\(3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 233.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 450.30 233.63 Td (251,196) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 504.30 233.63 Td (258,753) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 569.65 233.63 Td (\(3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 233.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 219.68115234375 m 177.669921875 219.68115234375 l s q 0 0 0 rg BT 53.00 220.63 Td (LINE OF BUSINESS NET INCOME/\(LOSS\) \(j\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 211.63 Td (Consumer & Community Banking) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 198.00 211.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 217.95 211.63 Td (2,372) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 252.00 211.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 271.95 211.63 Td (2,702) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 306.00 211.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 325.95 211.63 Td (1,989) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 368.30 211.63 Td (\(12) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 377.00 211.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 407.30 211.63 Td (19) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 437.00 211.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 453.60 211.63 Td (10,749) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 491.00 211.63 Td ($) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 507.60 211.63 Td (10,551) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 211.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 202.63 Td (Corporate & Investment Bank) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 222.95 202.63 Td (858) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 271.95 202.63 Td (2,240) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 325.95 202.63 Td (2,005) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 368.30 202.63 Td (\(62) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 377.00 202.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 405.30 202.63 Td (\(57) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 202.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 456.95 202.63 Td (8,546) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 510.95 202.63 Td (8,406) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 571.65 202.63 Td (2) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 193.63 Td (Commercial Banking) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 222.95 193.63 Td (693) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 276.95 193.63 Td (665) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 330.95 193.63 Td (692) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 373.65 193.63 Td (4) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 412.00 193.63 Td (-) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 456.95 193.63 Td (2,575) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 510.95 193.63 Td (2,646) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 569.65 193.63 Td (\(3) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 193.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 184.63 Td (Asset Management) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 222.95 184.63 Td (568) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 276.95 184.63 Td (476) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 330.95 184.63 Td (483) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 370.30 184.63 Td (19) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 407.30 184.63 Td (18) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 456.95 184.63 Td (2,031) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 510.95 184.63 Td (1,703) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 568.30 184.63 Td (19) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 53.00 175.63 Td (Corporate/Private Equity) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 222.95 175.63 Td (787) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 269.95 175.63 Td (\(6,463) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 287.00 175.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 330.95 175.63 Td (523) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 366.65 175.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 407.30 175.63 Td (50) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 454.95 175.63 Td (\(5,978) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 472.00 175.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 508.95 175.63 Td (\(2,022) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 526.00 175.63 Td (\)) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 562.95 175.63 Td (\(196) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 175.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 166.63 Td (NET INCOME/\(LOSS\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 198.00 166.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 217.95 166.63 Td (5,278) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 252.00 166.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 166.63 Td (\(380) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 287.00 166.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 306.00 166.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 325.95 166.63 Td (5,692) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 366.65 166.63 Td (NM) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 408.65 166.63 Td (\(7) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 414.00 166.63 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 437.00 166.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.60 166.63 Td (17,923) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 491.00 166.63 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 507.60 166.63 Td (21,284) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 566.30 166.63 Td (\(16) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 575.00 166.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 153.00 Td (\(a\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 153.00 Td (For a further discussion of managed basis, see) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 192.73 153.00 Td ( Note \(b\) on page 12.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 147.00 Td (\(b\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 147.00 Td (T) Tj ET Q q 0 0 0 rg BT 71.00 147.00 Td (angible book value per share and ROTCE are non-GAAP) Tj ET Q q 0 0 0 rg BT 222.98 147.00 Td ( financial measures. ) Tj ET Q q 0 0 0 rg BT 277.89 147.00 Td (T) Tj ET Q q 0 0 0 rg BT 280.89 147.00 Td (angible book value per share represents tangible common equity divided by period-end common shares. ROTCE ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 141.00 Td (measures the Firm's annualized earnings as a percentage of tangible common equity) Tj ET Q q 0 0 0 rg BT 293.49 141.00 Td (. For further discussion of these measures, see page 42) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 441.90 141.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 135.00 Td (\(c\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 135.00 Td (Share price shown is from the New ) Tj ET Q q 0 0 0 rg BT 162.60 135.00 Td (Y) Tj ET Q q 0 0 0 rg BT 166.05 135.00 Td (ork Stock Exchange. ) Tj ET Q q 0 0 0 rg BT 222.63 135.00 Td (The common stock is also listed and traded on the London Stock Exchange and the ) Tj ET Q q 0 0 0 rg BT 446.33 135.00 Td (T) Tj ET Q q 0 0 0 rg BT 449.33 135.00 Td (okyo Stock Exchange.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 508.70 135.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 129.00 Td (\(d\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 129.00 Td (Ratios are based upon annualized amounts.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 185.41 129.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 123.00 Td (\(e\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 123.00 Td (Return on Basel I risk-weighted assets is annualized earnings divided by average risk-weighted assets.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 341.48 123.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 117.00 Td (\(f\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 117.00 Td (Basel 2.5 rules became ef) Tj ET Q q 0 0 0 rg BT 137.26 117.00 Td (fective on January 1, 2013. ) Tj ET Q q 0 0 0 rg BT 210.87 117.00 Td (The implementation of these rules in the first quarter of 2013 resulted in an increase of approximately $150 billion in risk-weighted assets ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 111.00 Td (compared with the Basel I rules. ) Tj ET Q q 0 0 0 rg BT 154.93 111.00 Td (The implementation of these rules also resulted in decreases of ) Tj ET Q q 0 0 0 rg BT 324.92 111.00 Td (T) Tj ET Q q 0 0 0 rg BT 328.36 111.00 Td (ier 1 capital, ) Tj ET Q q 0 0 0 rg BT 362.27 111.00 Td (T) Tj ET Q q 0 0 0 rg BT 365.27 111.00 Td (otal capital and ) Tj ET Q q 0 0 0 rg BT 407.19 111.00 Td (T) Tj ET Q q 0 0 0 rg BT 410.63 111.00 Td (ier 1 common capital ratios by 140 basis points, 160 basis points ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 105.00 Td (and 120 basis points, respectively) Tj ET Q q 0 0 0 rg BT 157.61 105.00 Td (, at March 31, 2013. For further discussion of Basel 2.5, see Regulatory capital on pages 61-65 of the 3Q13 Form 10-Q.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 99.00 Td (\(g\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 99.00 Td (Basel I ) Tj ET Q q 0 0 0 rg BT 87.90 99.00 Td (T) Tj ET Q q 0 0 0 rg BT 91.34 99.00 Td (ier 1 common capital ratio \(T) Tj ET Q q 0 0 0 rg BT 169.14 99.00 Td (ier 1 common ratio\) is ) Tj ET Q q 0 0 0 rg BT 230.38 99.00 Td (T) Tj ET Q q 0 0 0 rg BT 233.83 99.00 Td (ier 1 common capital \(T) Tj ET Q q 0 0 0 rg BT 298.29 99.00 Td (ier 1 common\) divided by risk-weighted assets. ) Tj ET Q q 0 0 0 rg BT 426.56 99.00 Td (The Firm uses ) Tj ET Q q 0 0 0 rg BT 466.46 99.00 Td (T) Tj ET Q q 0 0 0 rg BT 469.90 99.00 Td (ier 1 common capital along with the other ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 93.00 Td (capital measures to assess and monitor its capital position. For further discussion of the ) Tj ET Q q 0 0 0 rg BT 302.00 93.00 Td (T) Tj ET Q q 0 0 0 rg BT 305.45 93.00 Td (ier 1 common capital ratio, see page 42) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 410.50 93.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 87.00 Td (\(h\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 87.00 Td (Included unsecured long-term debt of $199.4 billion, $199.2 billion) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 243.12 87.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 244.79 87.00 Td (and $200.6 billion for the periods ended) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 350.20 87.00 Td ( ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 351.87 87.00 Td (December 31, 2013) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 404.57 87.00 Td (, ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 407.90 87.00 Td (September 30, 2013) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 462.27 87.00 Td ( and ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 475.62 87.00 Td (December 31, 2012) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 528.32 87.00 Td ( , respectively) Tj ET Q q 0 0 0 rg BT 564.55 87.00 Td (.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 81.00 Td (\(i\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 81.00 Td (Ef) Tj ET Q q 0 0 0 rg BT 73.56 81.00 Td (fective January 1, 2013, interns are excluded from the firmwide and business segment headcount metrics) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 353.04 81.00 Td (. Prior periods were revised to conform with this presentation.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 75.00 Td (\(j\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 75.00 Td (In the second quarter of 2013, the 2012 net income/\(loss\) data of Consumer & Community Banking \("CCB"\) and Corporate/Private Equity were revised to reflect the transfer of certain technology ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 69.00 Td (and operations, as well as real estate-related functions and staf) Tj ET Q q 0 0 0 rg BT 235.99 69.00 Td (f, from Corporate/Private Equity to CCB, ef) Tj ET Q q 0 0 0 rg BT 349.26 69.00 Td (fective January 1, 2013. For further information on this transfer) Tj ET Q q 0 0 0 rg BT 515.01 69.00 Td (, see CCB on page 10, ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 63.00 Td (Consumer & Business Banking on page 12 and Corporate/Private Equity on page 30) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 292.81 63.00 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 57.00 Td (\(k\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 57.00 Td (Estimated.) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 50.00 51.00 Td (\(l\) ) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 68.00 51.00 Td (On May 21, 2013, the Board of Directors increased the quarterly common stock dividend from $0.30 to $0.38 per share.) Tj ET Q BT /F1 9.00 Tf ET endstream endobj 35 0 obj <> /View <>>>>> endobj 36 0 obj <> /View <>>>>> endobj 37 0 obj <> endobj 38 0 obj <> endobj 39 0 obj <> stream xy\E?~nM{{wޑ?d??2? 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