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Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 99.00 318.05 Td (Cor) Tj ET Q q 0 0 0 rg BT 117.13 318.05 Td (e ) Tj ET Q q 0 0 0 rg BT 124.76 318.05 Td (loans) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 149.21 323.03 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 152.79 318.05 Td ( ) Tj ET Q q 0 0 0 rg BT 155.54 318.05 Td (up ) Tj ET Q q 0 0 0 rg BT 170.52 318.05 Td (8% ) Tj ET Q q 0 0 0 rg BT 189.77 318.05 Td (compar) Tj ET Q q 0 0 0 rg BT 225.62 318.05 Td (ed ) Tj ET Q q 0 0 0 rg BT 239.37 318.05 Td (with ) Tj ET Q q 0 0 0 rg BT 262.90 318.05 Td (the ) Tj ET Q q 0 0 0 rg BT 280.31 318.05 Td (prior) Tj ET Q q 0 0 0 rg BT 304.55 318.05 Td ( ) Tj ET Q q 0 0 0 rg BT 307.30 318.05 Td (year) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 81.00 301.85 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 99.00 301.85 Td (JPMorgan ) Tj ET Q q 0 0 0 rg BT 151.85 301.85 Td (Chase ) Tj ET Q q 0 0 0 rg BT 183.33 301.85 Td (supported ) Tj ET Q q 0 0 0 rg BT 233.76 301.85 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 289.36 301.85 Td (businesses ) Tj ET Q q 0 0 0 rg BT 340.41 301.85 Td (and ) Tj ET Q q 0 0 0 rg BT 360.89 301.85 Td (our) Tj ET Q q 0 0 0 rg BT 377.20 301.85 Td ( ) Tj ET Q q 0 0 0 rg BT 379.95 301.85 Td (communities) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 104.00 285.28 cm /I8 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.00 287.65 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 144.00 287.65 Td (trillion ) Tj ET Q q 0 0 0 rg BT 179.14 287.65 Td (of ) Tj ET Q q 0 0 0 rg BT 191.05 287.65 Td (cr) Tj ET Q q 0 0 0 rg BT 200.62 287.65 Td (edit ) Tj ET Q q 0 0 0 rg BT 221.09 287.65 Td (and ) Tj ET Q q 0 0 0 rg BT 241.57 287.65 Td (capital) Tj ET Q BT /F2 11.00 Tf ET BT /F2 7.15 Tf ET q 0 0 0 rg BT 273.35 292.63 Td (1) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 276.92 287.65 Td ( ) Tj ET Q q 0 0 0 rg BT 279.67 287.65 Td (raised ) Tj ET Q q 0 0 0 rg BT 311.14 287.65 Td (in ) Tj ET Q q 0 0 0 rg BT 323.06 287.65 Td (2014) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 130.50 274.45 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 274.45 Td ($197 ) Tj ET Q q 0 0 0 rg BT 173.25 274.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 205.96 274.45 Td (of ) Tj ET Q q 0 0 0 rg BT 217.87 274.45 Td (cr) Tj ET Q q 0 0 0 rg BT 227.44 274.45 Td (edit ) Tj ET Q q 0 0 0 rg BT 247.91 274.45 Td (for) Tj ET Q q 0 0 0 rg BT 261.75 274.45 Td ( ) Tj ET Q q 0 0 0 rg BT 264.50 274.45 Td (consumers) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 130.50 261.25 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 261.25 Td ($19 ) Tj ET Q q 0 0 0 rg BT 167.75 261.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 200.46 261.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.37 261.25 Td (cr) Tj ET Q q 0 0 0 rg BT 221.94 261.25 Td (edit ) Tj ET Q q 0 0 0 rg BT 242.41 261.25 Td (for) Tj ET Q q 0 0 0 rg BT 256.25 261.25 Td ( ) Tj ET Q q 0 0 0 rg BT 259.00 261.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 281.32 261.25 Td (small ) Tj ET Q q 0 0 0 rg BT 309.12 261.25 Td (businesses) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 130.50 248.05 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 248.05 Td ($668 ) Tj ET Q q 0 0 0 rg BT 173.25 248.05 Td (billion ) Tj ET Q q 0 0 0 rg BT 205.96 248.05 Td (of ) Tj ET Q q 0 0 0 rg BT 217.87 248.05 Td (cr) Tj ET Q q 0 0 0 rg BT 227.44 248.05 Td (edit ) Tj ET Q q 0 0 0 rg BT 247.91 248.05 Td (for) Tj ET Q q 0 0 0 rg BT 261.75 248.05 Td ( ) Tj ET Q q 0 0 0 rg BT 264.50 248.05 Td (corporations) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 130.50 234.85 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 234.85 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 170.50 234.85 Td (trillion ) Tj ET Q q 0 0 0 rg BT 205.64 234.85 Td (of ) Tj ET Q q 0 0 0 rg BT 217.55 234.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 252.08 234.85 Td (raised ) Tj ET Q q 0 0 0 rg BT 283.55 234.85 Td (for) Tj ET Q q 0 0 0 rg BT 297.39 234.85 Td ( ) Tj ET Q q 0 0 0 rg BT 300.14 234.85 Td (clients) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 130.50 221.65 Td (?) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 221.65 Td ($75 ) Tj ET Q q 0 0 0 rg BT 168.36 221.65 Td (billion ) Tj ET Q q 0 0 0 rg BT 201.67 221.65 Td (of ) Tj ET Q q 0 0 0 rg BT 214.19 221.65 Td (cr) Tj ET Q q 0 0 0 rg BT 223.76 221.65 Td (edit ) Tj ET Q q 0 0 0 rg BT 244.84 221.65 Td (and ) Tj ET Q q 0 0 0 rg BT 265.93 221.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 301.06 221.65 Td (raised ) Tj ET Q q 0 0 0 rg BT 333.14 221.65 Td (for) Tj ET Q q 0 0 0 rg BT 346.98 221.65 Td ( ) Tj ET Q q 0 0 0 rg BT 350.34 221.65 Td (nonpr) Tj ET Q q 0 0 0 rg BT 378.88 221.65 Td (ofit ) Tj ET Q q 0 0 0 rg BT 398.12 221.65 Td (and ) Tj ET Q q 0 0 0 rg BT 419.21 221.65 Td (government ) Tj ET Q q 0 0 0 rg BT 478.77 221.65 Td (entities, ) Tj ET Q q 0 0 0 rg BT 518.48 221.65 Td (including ) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 148.50 208.45 Td (states, ) Tj ET Q q 0 0 0 rg BT 180.27 208.45 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 251.78 208.45 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 296.10 208.45 Td (and ) Tj ET Q q 0 0 0 rg BT 316.58 208.45 Td (universities) Tj ET Q BT /F2 11.00 Tf ET /GS0 gs q 18.00 0 0 11.00 104.00 190.83 cm /I9 Do Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 122.00 193.20 Td (Hir) Tj ET Q q 0 0 0 rg BT 138.30 193.20 Td (ed ) Tj ET Q q 0 0 0 rg BT 152.05 193.20 Td (over) Tj ET Q q 0 0 0 rg BT 172.61 193.20 Td ( ) Tj ET Q q 0 0 0 rg BT 175.36 193.20 Td (8,200 ) Tj ET Q q 0 0 0 rg BT 202.86 193.20 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 225.17 193.20 Td (veterans ) Tj ET Q q 0 0 0 rg BT 267.63 193.20 Td (and ) Tj ET Q q 0 0 0 rg BT 288.12 193.20 Td (service ) Tj ET Q q 0 0 0 rg BT 323.23 193.20 Td (members ) Tj ET Q q 0 0 0 rg BT 369.35 193.20 Td (since ) Tj ET Q q 0 0 0 rg BT 395.32 193.20 Td (201) Tj ET Q q 0 0 0 rg BT 411.22 193.20 Td (1 ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 167.5 m 299.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 167.5 m 553.5 167.5 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 48.00 158.75 Td (Investor Contact:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 111.24 158.75 Td ( Sarah ) Tj ET Q q 0 0 0 rg BT 135.90 158.75 Td (Y) Tj ET Q q 0 0 0 rg BT 141.49 158.75 Td (oungwood \(212\)?70-7325) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 377.75 158.75 Td (Media Contact:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.49 158.75 Td ( Joe Evangelisti \(212\)?70-7438) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 147.08 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 143.45 Td ( For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 130.75 143.45 Td ( financial measures, including managed basis reporting, see page 12.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 350.23 147.08 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.53 143.45 Td (For additional notes on financial measures, see page 13.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 135.08 Td (2 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 131.45 Td (Percentage comparisons noted in the bullet points are calculated versus the prior) Tj ET Q q 0 0 0 rg BT 308.77 131.45 Td (-year fourth quarter) Tj ET Q q 0 0 0 rg BT 370.96 131.45 Td (.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 123.08 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 119.45 Td ( ) Tj ET Q q 0 0 0 rg BT 52.16 119.45 Td (Assumes a tax rate of 38% for items that are tax deductible.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 111.08 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 107.45 Td ( Net of employee issuances.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 99.08 Td (5 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.90 95.45 Td (Represents ) Tj ET Q q 0 0 0 rg BT 89.00 95.45 Td (the ) Tj ET Q q 0 0 0 rg BT 100.77 95.45 Td (estimated ) Tj ET Q q 0 0 0 rg BT 133.43 95.45 Td (impact ) Tj ET Q q 0 0 0 rg BT 157.20 95.45 Td (of ) Tj ET Q q 0 0 0 rg BT 165.86 95.45 Td (Basel ) Tj ET Q q 0 0 0 rg BT 185.64 95.45 Td (III ) Tj ET Q q 0 0 0 rg BT 195.19 95.45 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 229.62 95.45 Td (fully ) Tj ET Q q 0 0 0 rg BT 246.73 95.45 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 279.83 95.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 303.15 95.45 Td (rules ) Tj ET Q q 0 0 0 rg BT 320.70 95.45 Td (to ) Tj ET Q q 0 0 0 rg BT 328.92 95.45 Td (which ) Tj ET Q q 0 0 0 rg BT 350.47 95.45 Td (the ) Tj ET Q q 0 0 0 rg BT 362.25 95.45 Td (Firm ) Tj ET Q q 0 0 0 rg BT 379.81 95.45 Td (will ) Tj ET Q q 0 0 0 rg BT 394.25 95.45 Td (be ) Tj ET Q q 0 0 0 rg BT 403.80 95.45 Td (subject ) Tj ET Q q 0 0 0 rg BT 428.46 95.45 Td (to ) Tj ET Q q 0 0 0 rg BT 436.68 95.45 Td (commencing ) Tj ET Q q 0 0 0 rg BT 480.00 95.45 Td (January ) Tj ET Q q 0 0 0 rg BT 506.88 95.45 Td (1, ) Tj ET Q q 0 0 0 rg BT 514.88 95.45 Td (2019.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 87.08 Td (6 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.68 83.45 Td (The ) Tj ET Q q 0 0 0 rg BT 65.78 83.45 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 81.67 83.45 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 113.11 83.45 Td (Coverage ) Tj ET Q q 0 0 0 rg BT 145.43 83.45 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 164.43 83.45 Td (\("LCR"\) ) Tj ET Q q 0 0 0 rg BT 193.51 83.45 Td (is ) Tj ET Q q 0 0 0 rg BT 200.51 83.45 Td (based ) Tj ET Q q 0 0 0 rg BT 220.39 83.45 Td (on ) Tj ET Q q 0 0 0 rg BT 230.05 83.45 Td (the ) Tj ET Q q 0 0 0 rg BT 241.49 83.45 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 263.27 83.45 Td (current ) Tj ET Q q 0 0 0 rg BT 287.58 83.45 Td (understanding ) Tj ET Q q 0 0 0 rg BT 334.57 83.45 Td (of ) Tj ET Q q 0 0 0 rg BT 342.90 83.45 Td (the ) Tj ET Q q 0 0 0 rg BT 354.34 83.45 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 370.23 83.45 Td (final ) Tj ET Q q 0 0 0 rg BT 386.55 83.45 Td (LCR ) Tj ET Q q 0 0 0 rg BT 403.77 83.45 Td (rules ) Tj ET Q q 0 0 0 rg BT 420.99 83.45 Td (which ) Tj ET Q q 0 0 0 rg BT 442.20 83.45 Td (became ) Tj ET Q q 0 0 0 rg BT 468.29 83.45 Td (ef) Tj ET Q q 0 0 0 rg BT 474.36 83.45 Td (fective ) Tj ET Q q 0 0 0 rg BT 497.79 83.45 Td (January ) Tj ET Q q 0 0 0 rg BT 524.33 83.45 Td (1, ) Tj ET Q q 0 0 0 rg BT 532.00 83.45 Td (2015.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 48.00 75.08 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.60 71.45 Td ( ) Tj ET Q q 0 0 0 rg BT 52.60 71.45 Td (High ) Tj ET Q q 0 0 0 rg BT 70.60 71.45 Td (Quality ) Tj ET Q q 0 0 0 rg BT 96.60 71.45 Td (Liquid ) Tj ET Q q 0 0 0 rg BT 119.49 71.45 Td (Assets ) Tj ET Q q 0 0 0 rg BT 142.38 71.45 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 179.03 71.45 Td (is ) Tj ET Q q 0 0 0 rg BT 186.36 71.45 Td (the ) Tj ET Q q 0 0 0 rg BT 198.13 71.45 Td (estimated ) Tj ET Q q 0 0 0 rg BT 230.79 71.45 Td (amount ) Tj ET Q q 0 0 0 rg BT 256.79 71.45 Td (of ) Tj ET Q q 0 0 0 rg BT 265.45 71.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 286.12 71.45 Td (that ) Tj ET Q q 0 0 0 rg BT 300.11 71.45 Td (qualify ) Tj ET Q q 0 0 0 rg BT 324.77 71.45 Td (for ) Tj ET Q q 0 0 0 rg BT 336.10 71.45 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 367.43 71.45 Td (in ) Tj ET Q q 0 0 0 rg BT 375.65 71.45 Td (the ) Tj ET Q q 0 0 0 rg BT 387.43 71.45 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 409.54 71.45 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 451.97 71.45 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 468.20 71.45 Td (LCR ) Tj ET Q q 0 0 0 rg BT 485.76 71.45 Td (for ) Tj ET Q q 0 0 0 rg BT 497.09 71.45 Td (4Q14.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 208.00 0 0 15.00 346.00 729.02 cm /I10 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 24.60 Td (2) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 45.00 738.70 Td (New ) Tj ET Q q 0 0 0 rg BT 67.93 738.70 Td (Y) Tj ET Q q 0 0 0 rg BT 74.65 738.70 Td (ork, ) Tj ET Q q 0 0 0 rg BT 96.43 738.70 Td (January ) Tj ET Q q 0 0 0 rg BT 138.08 738.70 Td (14, ) Tj ET Q q 0 0 0 rg BT 154.36 738.70 Td (2015 ) Tj ET Q q 0 0 0 rg BT 178.89 738.70 Td (- ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 185.09 738.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 216.88 738.70 Td (ganChase ) Tj ET Q q 0 0 0 rg BT 269.29 738.70 Td (& ) Tj ET Q q 0 0 0 rg BT 281.39 738.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 301.15 738.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 342.58 738.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 371.35 738.70 Td (today ) Tj ET Q q 0 0 0 rg BT 400.77 738.70 Td (reported ) Tj ET Q q 0 0 0 rg BT 443.51 738.70 Td (net ) Tj ET Q q 0 0 0 rg BT 460.93 738.70 Td (income ) Tj ET Q q 0 0 0 rg BT 499.02 738.70 Td (for ) Tj ET Q q 0 0 0 rg BT 515.77 738.70 Td (the ) Tj ET Q q 0 0 0 rg BT 533.19 738.70 Td (fourth ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 724.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 80.89 724.30 Td (of ) Tj ET Q q 0 0 0 rg BT 92.79 724.30 Td (2014 ) Tj ET Q q 0 0 0 rg BT 118.71 724.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 130.61 724.30 Td ($4.9 ) Tj ET Q q 0 0 0 rg BT 153.52 724.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 184.86 724.30 Td (, ) Tj ET Q q 0 0 0 rg BT 189.77 724.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 238.99 724.30 Td (with ) Tj ET Q q 0 0 0 rg BT 262.23 724.30 Td (net ) Tj ET Q q 0 0 0 rg BT 278.80 724.30 Td (income ) Tj ET Q q 0 0 0 rg BT 316.03 724.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 327.94 724.30 Td ($5.3 ) Tj ET Q q 0 0 0 rg BT 350.85 724.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 382.18 724.30 Td ( ) Tj ET Q q 0 0 0 rg BT 384.09 724.30 Td (in ) Tj ET Q q 0 0 0 rg BT 395.34 724.30 Td (the ) Tj ET Q q 0 0 0 rg BT 411.91 724.30 Td (fourth ) Tj ET Q q 0 0 0 rg BT 443.14 724.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 479.03 724.30 Td (of ) Tj ET Q q 0 0 0 rg BT 490.94 724.30 Td (2013. ) Tj ET Q q 0 0 0 rg BT 519.85 724.30 Td (Earnings ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 709.90 Td (per ) Tj ET Q q 0 0 0 rg BT 63.07 709.90 Td (share ) Tj ET Q q 0 0 0 rg BT 91.13 709.90 Td (were ) Tj ET Q q 0 0 0 rg BT 117.19 709.90 Td ($) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 123.19 709.90 Td (1.19) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 144.19 709.90 Td (, ) Tj ET Q q 0 0 0 rg BT 149.94 709.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 200.00 709.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 224.08 709.90 Td ($1.30) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 251.08 709.90 Td ( ) Tj ET Q q 0 0 0 rg BT 253.82 709.90 Td (in ) Tj ET Q q 0 0 0 rg BT 265.90 709.90 Td (the ) Tj ET Q q 0 0 0 rg BT 283.31 709.90 Td (fourth ) Tj ET Q q 0 0 0 rg BT 315.38 709.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 352.11 709.90 Td (of ) Tj ET Q q 0 0 0 rg BT 364.85 709.90 Td (2013. ) Tj ET Q q 0 0 0 rg BT 394.60 709.90 Td (Revenue) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 436.58 715.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 440.48 709.90 Td ( ) Tj ET Q q 0 0 0 rg BT 443.23 709.90 Td (for ) Tj ET Q q 0 0 0 rg BT 459.97 709.90 Td (the ) Tj ET Q q 0 0 0 rg BT 477.37 709.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 514.10 709.90 Td (was ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 535.51 709.90 Td ($23.6 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 695.50 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 76.34 695.50 Td (, ) Tj ET Q q 0 0 0 rg BT 82.16 695.50 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 111.64 695.50 Td (2) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 117.64 695.50 Td (% ) Tj ET Q q 0 0 0 rg BT 130.46 695.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 180.59 695.50 Td (with ) Tj ET Q q 0 0 0 rg BT 204.74 695.50 Td (the ) Tj ET Q q 0 0 0 rg BT 222.22 695.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 248.37 695.50 Td (year) Tj ET Q q 0 0 0 rg BT 268.35 695.50 Td (. ) Tj ET Q q 0 0 0 rg BT 273.97 695.50 Td (The ) Tj ET Q q 0 0 0 rg BT 295.44 695.50 Td (Firm? 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Tj ET Q q 0 0 0 rg BT 426.43 617.50 Td (s ) Tj ET Q q 0 0 0 rg BT 433.63 617.50 Td (return ) Tj ET Q q 0 0 0 rg BT 464.81 617.50 Td (on ) Tj ET Q q 0 0 0 rg BT 479.34 617.50 Td (tangible ) Tj ET Q q 0 0 0 rg BT 520.52 617.50 Td (common ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 603.10 Td (equity) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 74.99 608.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 78.89 603.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.89 603.10 Td (for ) Tj ET Q q 0 0 0 rg BT 98.89 603.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.55 603.10 Td (year ) Tj ET Q q 0 0 0 rg BT 140.19 603.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 167.19 603.10 Td (was ) Tj ET Q q 0 0 0 rg BT 188.86 603.10 Td (13%.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 582.70 Td (Jamie ) Tj ET Q q 0 0 0 rg BT 76.30 582.70 Td (Dimon, ) Tj ET Q q 0 0 0 rg BT 115.94 582.70 Td (Chairman ) Tj ET Q q 0 0 0 rg BT 166.57 582.70 Td (and ) Tj ET Q q 0 0 0 rg BT 187.21 582.70 Td (Chief ) Tj ET Q q 0 0 0 rg BT 217.18 582.70 Td (Executive ) Tj ET Q q 0 0 0 rg BT 268.46 582.70 Td (Of) Tj ET Q q 0 0 0 rg BT 280.91 582.70 Td (ficer) Tj ET Q q 0 0 0 rg BT 302.41 582.70 Td (, ) Tj ET Q q 0 0 0 rg BT 308.71 582.70 Td (commented ) Tj ET Q q 0 0 0 rg BT 368.00 582.70 Td (on ) Tj ET Q q 0 0 0 rg BT 383.31 582.70 Td (the ) Tj ET Q q 0 0 0 rg BT 401.28 582.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 446.57 582.70 Td (results: ) Tj ET Q q 0 0 0 rg BT 484.54 582.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 511.84 582.70 Td (businesses ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 568.30 Td (continue ) Tj ET Q q 0 0 0 rg BT 91.89 568.30 Td (to ) Tj ET Q q 0 0 0 rg BT 106.79 568.30 Td (demonstrate ) Tj ET Q q 0 0 0 rg BT 171.00 568.30 Td (strong ) Tj ET Q q 0 0 0 rg BT 206.57 568.30 Td (momentum ) Tj ET Q q 0 0 0 rg BT 266.80 568.30 Td (and ) Tj ET Q q 0 0 0 rg BT 289.69 568.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 333.91 568.30 Td (discipline. ) Tj ET Q q 0 0 0 rg BT 389.13 568.30 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 444.03 568.30 Td (& ) Tj ET Q q 0 0 0 rg BT 458.93 568.30 Td (Community ) Tj ET Q q 0 0 0 rg BT 521.84 568.30 Td (Banking ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 553.90 Td (delivered ) Tj ET Q q 0 0 0 rg BT 93.64 553.90 Td (impressive ) Tj ET Q q 0 0 0 rg BT 149.63 553.90 Td (growth ) Tj ET Q q 0 0 0 rg BT 187.62 553.90 Td (in ) Tj ET Q q 0 0 0 rg BT 200.95 553.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 244.28 553.90 Td (and ) Tj ET Q q 0 0 0 rg BT 265.60 553.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 322.25 553.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 354.25 553.90 Td (in ) Tj ET Q q 0 0 0 rg BT 367.58 553.90 Td (the ) Tj ET Q q 0 0 0 rg BT 386.23 553.90 Td (fourth ) Tj ET Q q 0 0 0 rg BT 419.55 553.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 457.53 553.90 Td (and ) Tj ET Q q 0 0 0 rg BT 478.85 553.90 Td (throughout ) Tj ET Q q 0 0 0 rg BT 535.51 553.90 Td (2014, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 539.50 Td (while ) Tj ET Q q 0 0 0 rg BT 74.95 539.50 Td (outperforming ) Tj ET Q q 0 0 0 rg BT 147.57 539.50 Td (its ) Tj ET Q q 0 0 0 rg BT 162.20 539.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 204.14 539.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 252.75 539.50 Td (tar) Tj ET Q q 0 0 0 rg BT 265.19 539.50 Td (get ) Tj ET Q q 0 0 0 rg BT 283.15 539.50 Td (for ) Tj ET Q q 0 0 0 rg BT 300.43 539.50 Td (the ) Tj ET Q q 0 0 0 rg BT 318.39 539.50 Td (year) Tj ET Q q 0 0 0 rg BT 338.37 539.50 Td (. ) Tj ET Q q 0 0 0 rg BT 344.67 539.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 394.61 539.50 Td (originations ) Tj ET Q q 0 0 0 rg BT 455.24 539.50 Td (improved ) Tj ET Q q 0 0 0 rg BT 504.52 539.50 Td (sequentially ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 525.10 Td (in ) Tj ET Q q 0 0 0 rg BT 56.61 525.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.54 525.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 105.15 525.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 138.64 525.10 Td (, ) Tj ET Q q 0 0 0 rg BT 143.92 525.10 Td (despite ) Tj ET Q q 0 0 0 rg BT 180.18 525.10 Td (a ) Tj ET Q q 0 0 0 rg BT 187.78 525.10 Td (seasonally ) Tj ET Q q 0 0 0 rg BT 240.05 525.10 Td (slow ) Tj ET Q q 0 0 0 rg BT 264.99 525.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 298.31 525.10 Td (. ) Tj ET Q q 0 0 0 rg BT 303.58 525.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 324.52 525.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 350.12 525.10 Td (business ) Tj ET Q q 0 0 0 rg BT 393.06 525.10 Td (delivered ) Tj ET Q q 0 0 0 rg BT 439.98 525.10 Td (double-digit ) Tj ET Q q 0 0 0 rg BT 500.92 525.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 526.52 525.10 Td (volume ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 510.70 Td (growth, ) Tj ET Q q 0 0 0 rg BT 85.86 510.70 Td (outpacing ) Tj ET Q q 0 0 0 rg BT 137.04 510.70 Td (the ) Tj ET Q q 0 0 0 rg BT 155.57 510.70 Td (industry ) Tj ET Q q 0 0 0 rg BT 198.77 510.70 Td (for ) Tj ET Q q 0 0 0 rg BT 216.62 510.70 Td (the ) Tj ET Q q 0 0 0 rg BT 235.15 510.70 Td (27th ) Tj ET Q q 0 0 0 rg BT 260.35 510.70 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 320.85 510.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 354.17 510.70 Td (. ) Tj ET Q q 0 0 0 rg BT 360.18 510.70 Td (Auto ) Tj ET Q q 0 0 0 rg BT 388.05 510.70 Td (had ) Tj ET Q q 0 0 0 rg BT 409.24 510.70 Td (a ) Tj ET Q q 0 0 0 rg BT 418.43 510.70 Td (good ) Tj ET Q q 0 0 0 rg BT 446.29 510.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 484.13 510.70 Td (and ) Tj ET Q q 0 0 0 rg BT 505.32 510.70 Td (the ) Tj ET Q q 0 0 0 rg BT 523.85 510.70 Td (pipeline ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 496.30 Td (remains ) Tj ET Q q 0 0 0 rg BT 85.99 496.30 Td (strong.? Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 475.90 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 80.47 475.90 Td (added: ) Tj ET Q q 0 0 0 rg BT 114.58 475.90 Td (The ) Tj ET Q q 0 0 0 rg BT 140.70 475.90 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 190.81 475.90 Td (& ) Tj ET Q q 0 0 0 rg BT 202.28 475.90 Td (Investment ) Tj ET Q q 0 0 0 rg BT 257.73 475.90 Td (Bank ) Tj ET Q q 0 0 0 rg BT 285.19 475.90 Td (saw ) Tj ET Q q 0 0 0 rg BT 305.98 475.90 Td (strong ) Tj ET Q q 0 0 0 rg BT 338.11 475.90 Td (performance ) Tj ET Q q 0 0 0 rg BT 400.87 475.90 Td (in ) Tj ET Q q 0 0 0 rg BT 412.34 475.90 Td (fees, ) Tj ET Q q 0 0 0 rg BT 436.79 475.90 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 496.24 475.90 Td (its ) Tj ET Q q 0 0 0 rg BT 509.71 475.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 523.84 475.90 Td (position ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 461.50 Td (in ) Tj ET Q q 0 0 0 rg BT 56.22 461.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 90.77 461.50 Td (IB ) Tj ET Q q 0 0 0 rg BT 104.66 461.50 Td (fees ) Tj ET Q q 0 0 0 rg BT 125.87 461.50 Td (in ) Tj ET Q q 0 0 0 rg BT 137.09 461.50 Td (2014 ) Tj ET Q q 0 0 0 rg BT 162.98 461.50 Td (with ) Tj ET Q q 0 0 0 rg BT 186.20 461.50 Td (particular ) Tj ET Q q 0 0 0 rg BT 234.06 461.50 Td (strength ) Tj ET Q q 0 0 0 rg BT 274.61 461.50 Td (in ) Tj ET Q q 0 0 0 rg BT 285.83 461.50 Td (Europe, ) Tj ET Q q 0 0 0 rg BT 325.37 461.50 Td (although ) Tj ET Q q 0 0 0 rg BT 369.25 461.50 Td (Markets ) Tj ET Q q 0 0 0 rg BT 410.46 461.50 Td (remained ) Tj ET Q q 0 0 0 rg BT 456.99 461.50 Td (somewhat ) Tj ET Q q 0 0 0 rg BT 507.54 461.50 Td (challenged. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 447.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 109.11 447.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 154.56 447.10 Td (grew ) Tj ET Q q 0 0 0 rg BT 183.34 447.10 Td (period-end ) Tj ET Q q 0 0 0 rg BT 240.12 447.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 270.24 447.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 291.03 447.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 326.48 447.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.93 447.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 374.05 447.10 Td (year ) Tj ET Q q 0 0 0 rg BT 399.49 447.10 Td (and ) Tj ET Q q 0 0 0 rg BT 421.61 447.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 485.72 447.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 531.18 447.10 Td (clients ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 432.70 Td (generated ) Tj ET Q q 0 0 0 rg BT 95.25 432.70 Td (record ) Tj ET Q q 0 0 0 rg BT 129.51 432.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 185.78 432.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 228.06 432.70 Td (revenues ) Tj ET Q q 0 0 0 rg BT 274.32 432.70 Td (for ) Tj ET Q q 0 0 0 rg BT 291.93 432.70 Td (the ) Tj ET Q q 0 0 0 rg BT 310.20 432.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 347.79 432.70 Td (and ) Tj ET Q q 0 0 0 rg BT 368.74 432.70 Td (the ) Tj ET Q q 0 0 0 rg BT 387.01 432.70 Td (year) Tj ET Q q 0 0 0 rg BT 407.00 432.70 Td (. ) Tj ET Q q 0 0 0 rg BT 413.61 432.70 Td (Lastly) Tj ET Q q 0 0 0 rg BT 442.83 432.70 Td (, ) Tj ET Q q 0 0 0 rg BT 448.65 432.70 Td (Asset ) Tj ET Q q 0 0 0 rg BT 478.93 432.70 Td (Management ) Tj ET Q q 0 0 0 rg BT 545.18 432.70 Td (had ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 418.30 Td (over ) Tj ET Q q 0 0 0 rg BT 70.11 418.30 Td ($80 ) Tj ET Q q 0 0 0 rg BT 91.91 418.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 127.04 418.30 Td (of ) Tj ET Q q 0 0 0 rg BT 140.82 418.30 Td (net ) Tj ET Q q 0 0 0 rg BT 159.28 418.30 Td (long-term ) Tj ET Q q 0 0 0 rg BT 210.39 418.30 Td (inflows ) Tj ET Q q 0 0 0 rg BT 250.18 418.30 Td (for ) Tj ET Q q 0 0 0 rg BT 267.97 418.30 Td (the ) Tj ET Q q 0 0 0 rg BT 286.42 418.30 Td (second ) Tj ET Q q 0 0 0 rg BT 323.53 418.30 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 383.97 418.30 Td (year ) Tj ET Q q 0 0 0 rg BT 408.41 418.30 Td (and ) Tj ET Q q 0 0 0 rg BT 429.53 418.30 Td (overall ) Tj ET Q q 0 0 0 rg BT 465.80 418.30 Td (AUM ) Tj ET Q q 0 0 0 rg BT 497.60 418.30 Td (grew ) Tj ET Q q 0 0 0 rg BT 525.38 418.30 Td (9% ) Tj ET Q q 0 0 0 rg BT 545.16 418.30 Td (this ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 403.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 81.98 403.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 132.29 403.90 Td (to ) Tj ET Q q 0 0 0 rg BT 144.62 403.90 Td (the ) Tj ET Q q 0 0 0 rg BT 162.28 403.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 188.61 403.90 Td (year) Tj ET Q q 0 0 0 rg BT 208.59 403.90 Td (.? Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 383.50 Td (Dimon ) Tj ET Q q 0 0 0 rg BT 82.89 383.50 Td (concluded: ) Tj ET Q q 0 0 0 rg BT 140.08 383.50 Td (?014 ) Tj ET Q q 0 0 0 rg BT 173.96 383.50 Td (was ) Tj ET Q q 0 0 0 rg BT 197.18 383.50 Td (a ) Tj ET Q q 0 0 0 rg BT 207.06 383.50 Td (record ) Tj ET Q q 0 0 0 rg BT 242.25 383.50 Td (year ) Tj ET Q q 0 0 0 rg BT 267.45 383.50 Td (for ) Tj ET Q q 0 0 0 rg BT 286.00 383.50 Td (the ) Tj ET Q q 0 0 0 rg BT 305.21 383.50 Td (Firm ) Tj ET Q q 0 0 0 rg BT 333.10 383.50 Td (for ) Tj ET Q q 0 0 0 rg BT 351.65 383.50 Td (net ) Tj ET Q q 0 0 0 rg BT 370.86 383.50 Td (income ) Tj ET Q q 0 0 0 rg BT 410.73 383.50 Td (and ) Tj ET Q q 0 0 0 rg BT 432.61 383.50 Td (EPS. ) Tj ET Q q 0 0 0 rg BT 460.51 383.50 Td (W) Tj ET Q q 0 0 0 rg BT 470.88 383.50 Td (e ) Tj ET Q q 0 0 0 rg BT 480.75 383.50 Td (delivered ) Tj ET Q q 0 0 0 rg BT 529.95 383.50 Td (on ) Tj ET Q q 0 0 0 rg BT 546.50 383.50 Td (our ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 369.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 112.65 369.10 Td (?) Tj ET Q q 0 0 0 rg BT 120.96 369.10 Td (including ) Tj ET Q q 0 0 0 rg BT 168.61 369.10 Td (business ) Tj ET Q q 0 0 0 rg BT 211.60 369.10 Td (simplification, ) Tj ET Q q 0 0 0 rg BT 283.57 369.10 Td (controls, ) Tj ET Q q 0 0 0 rg BT 327.55 369.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 368.52 369.10 Td (discipline ) Tj ET Q q 0 0 0 rg BT 417.50 369.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.14 369.10 Td (meeting ) Tj ET Q q 0 0 0 rg BT 478.12 369.10 Td (our ) Tj ET Q q 0 0 0 rg BT 496.43 369.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 530.73 369.10 Td (tar) Tj ET Q q 0 0 0 rg BT 543.17 369.10 Td (gets ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 354.70 Td (for ) Tj ET Q q 0 0 0 rg BT 61.98 354.70 Td (the ) Tj ET Q q 0 0 0 rg BT 79.62 354.70 Td (year ) Tj ET Q q 0 0 0 rg BT 103.26 354.70 Td (?) Tj ET Q q 0 0 0 rg BT 112.24 354.70 Td (while ) Tj ET Q q 0 0 0 rg BT 141.89 354.70 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 202.20 354.70 Td (excellent ) Tj ET Q q 0 0 0 rg BT 248.49 354.70 Td (customer ) Tj ET Q q 0 0 0 rg BT 295.46 354.70 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 353.09 354.70 Td (rankings. ) Tj ET Q q 0 0 0 rg BT 400.41 354.70 Td (I ) Tj ET Q q 0 0 0 rg BT 407.39 354.70 Td (am ) Tj ET Q q 0 0 0 rg BT 425.03 354.70 Td (proud ) Tj ET Q q 0 0 0 rg BT 456.01 354.70 Td (of ) Tj ET Q q 0 0 0 rg BT 469.00 354.70 Td (this ) Tj ET Q q 0 0 0 rg BT 489.32 354.70 Td (great ) Tj ET Q q 0 0 0 rg BT 516.29 354.70 Td (company) Tj ET Q q 0 0 0 rg BT 559.49 354.70 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 340.30 Td (its ) Tj ET Q q 0 0 0 rg BT 58.17 340.30 Td (exceptional ) Tj ET Q q 0 0 0 rg BT 115.32 340.30 Td (management ) Tj ET Q q 0 0 0 rg BT 178.46 340.30 Td (team ) Tj ET Q q 0 0 0 rg BT 203.61 340.30 Td (and ) Tj ET Q q 0 0 0 rg BT 222.77 340.30 Td (employees, ) Tj ET Q q 0 0 0 rg BT 278.93 340.30 Td (and ) Tj ET Q q 0 0 0 rg BT 298.09 340.30 Td (everything ) Tj ET Q q 0 0 0 rg BT 351.24 340.30 Td (we ) Tj ET Q q 0 0 0 rg BT 367.07 340.30 Td (are ) Tj ET Q q 0 0 0 rg BT 383.55 340.30 Td (achieving ) Tj ET Q q 0 0 0 rg BT 432.03 340.30 Td (for ) Tj ET Q q 0 0 0 rg BT 447.86 340.30 Td (our ) Tj ET Q q 0 0 0 rg BT 465.69 340.30 Td (clients, ) Tj ET Q q 0 0 0 rg BT 501.85 340.30 Td (shareholders ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 325.90 Td (and ) Tj ET Q q 0 0 0 rg BT 64.83 325.90 Td (communities. ) Tj ET Q q 0 0 0 rg BT 132.33 325.90 Td (Each ) Tj ET Q q 0 0 0 rg BT 158.82 325.90 Td (of ) Tj ET Q q 0 0 0 rg BT 171.33 325.90 Td (our ) Tj ET Q q 0 0 0 rg BT 189.83 325.90 Td (businesses ) Tj ET Q q 0 0 0 rg BT 243.01 325.90 Td (and ) Tj ET Q q 0 0 0 rg BT 262.84 325.90 Td (the ) Tj ET Q q 0 0 0 rg BT 280.01 325.90 Td (company ) Tj ET Q q 0 0 0 rg BT 326.50 325.90 Td (are ) Tj ET Q q 0 0 0 rg BT 343.66 325.90 Td (very ) Tj ET Q q 0 0 0 rg BT 367.49 325.90 Td (well ) Tj ET Q q 0 0 0 rg BT 390.66 325.90 Td (positioned ) Tj ET Q q 0 0 0 rg BT 443.16 325.90 Td (going ) Tj ET Q q 0 0 0 rg BT 473.00 325.90 Td (into ) Tj ET Q q 0 0 0 rg BT 494.18 325.90 Td (2015 ) Tj ET Q q 0 0 0 rg BT 520.69 325.90 Td (for ) Tj ET Q q 0 0 0 rg BT 537.19 325.90 Td (long-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 45.00 311.50 Td (term ) Tj ET Q q 0 0 0 rg BT 69.99 311.50 Td (growth ) Tj ET Q q 0 0 0 rg BT 106.99 311.50 Td (and ) Tj ET Q q 0 0 0 rg BT 127.31 311.50 Td (success.? Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 273.10 Td (In the discussion below of the business segments and of JPMor) Tj ET Q q 0 0 0 rg BT 296.83 273.10 Td (gan Chase as a Firm, information is pr) Tj ET Q q 0 0 0 rg BT 453.13 273.10 Td (esented on a managed ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 261.10 Td (basis. For mor) Tj ET Q q 0 0 0 rg BT 103.80 261.10 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 359.72 261.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 429.35 261.10 Td (es used by management to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 249.10 Td (evaluate the performance of each line of business, see page 12. Effective with the fourth quarter of 2014, the Firm r) Tj ET Q q 0 0 0 rg BT 507.60 249.10 Td (evised its ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 237.10 Td (methodology for allocating the cost of its outstanding pr) Tj ET Q q 0 0 0 rg BT 270.18 237.10 Td (eferr) Tj ET Q q 0 0 0 rg BT 289.24 237.10 Td (ed stock to its business segments to be consistent with the Firmwide ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 225.10 Td (income statement pr) Tj ET Q q 0 0 0 rg BT 125.72 225.10 Td (esentation. Prior period business segment r) Tj ET Q q 0 0 0 rg BT 299.79 225.10 Td (esults have been r) Tj ET Q q 0 0 0 rg BT 371.34 225.10 Td (evised to conform with the curr) Tj ET Q q 0 0 0 rg BT 496.23 225.10 Td (ent period ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 213.10 Td (pr) Tj ET Q q 0 0 0 rg BT 53.52 213.10 Td (esentation. For further discussion, see page 2 of the Earnings Release Financial Supplement. The following discussion ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 201.10 Td (compar) Tj ET Q q 0 0 0 rg BT 75.18 201.10 Td (es the fourth quarters of 2014 and 2013 unless otherwise noted. Footnotes in the sections that follow ar) Tj ET Q q 0 0 0 rg BT 489.24 201.10 Td (e described on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 45.00 189.10 Td (page 13.) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (CONSUMER & COMMUNITY) Tj ET Q q 0 0 0 rg BT 206.91 740.90 Td ( BANKING \(CCB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 730.4 m 50.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 730.4 m 231.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 231.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 730.4 m 276.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 730.4 m 280.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 280.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 730.4 m 325.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 730.4 m 329.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 730.4 m 329.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 730.4 m 374.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 730.4 m 378.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 730.4 m 378.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 730.4 m 423.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 715.4 m 423.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 730.4 m 468.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 715.4 m 468.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 730.4 m 472.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 715.4 m 472.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 730.4 m 472.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 730.4 m 517.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 715.4 m 517.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 730.4 m 562.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 730.4 m 562.5 730.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 562.5 715.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 715.4 m 50.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 715.4 m 231.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 276.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 700.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 715.4 m 280.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 325.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 700.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 715.4 m 329.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 374.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 700.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 715.4 m 378.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 715.4 m 423.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 468.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 700.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 715.4 m 472.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 715.4 m 517.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 715.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 700.4 m 50.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 231.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 700.4 m 276.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 276.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 685.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 700.4 m 280.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 325.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 685.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 700.4 m 329.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 374.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 685.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 700.4 m 378.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 423.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 700.4 m 468.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 468.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 685.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 700.4 m 472.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 517.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 700.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.4 m 562.5 700.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 562.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 685.4 m 50.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 231.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 685.4 m 276.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 276.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 670.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 685.4 m 280.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 325.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 670.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 685.4 m 329.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 374.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 670.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.4 m 378.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 423.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 685.4 m 468.5 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 468.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 670.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 685.4 m 472.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 685.4 m 517.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 685.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.4 m 50.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 231.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 670.4 m 276.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 276.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 655.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.4 m 280.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 325.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 655.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 670.4 m 329.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 374.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 655.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 670.4 m 378.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 423.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 670.4 m 468.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 468.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 655.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 670.4 m 472.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 517.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 670.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 670.4 m 562.5 670.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.4 m 50.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 640.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 231.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 655.4 m 276.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 640.4 m 276.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 640.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 655.4 m 280.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 640.4 m 325.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 640.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 655.4 m 329.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 640.4 m 374.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 640.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 655.4 m 378.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 640.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 423.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 655.4 m 468.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 640.4 m 468.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 640.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 655.4 m 472.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 640.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 517.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 655.4 m 562.5 640.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 655.4 m 562.5 655.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 640.4 m 562.5 640.4 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 720.27 Td (Results for CCB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 720.27 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 720.27 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 705.27 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 705.27 Td (4Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 705.27 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 705.27 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 705.27 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 705.27 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 690.27 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 690.27 Td (10,949) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 690.27 Td (11,367) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 690.27 Td (11,439) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 690.27 Td (\(418) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 690.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 690.27 Td (\(4) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 690.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 690.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 690.27 Td (\(490) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 690.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 690.27 Td (\(4) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 690.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 675.27 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 675.27 Td (950) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 675.27 Td (902) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 675.27 Td (72) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 675.27 Td (48) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 675.27 Td (5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 675.27 Td (878) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 675.27 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 660.27 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 660.27 Td (6,411) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 660.27 Td (6,305) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 660.27 Td (7,321) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 660.27 Td (106) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 660.27 Td (2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 660.27 Td (\(910) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 660.27 Td (\(12) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 660.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 645.27 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 645.27 Td (2,179) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 645.27 Td (2,529) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 645.27 Td (2,448) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 645.27 Td (\(350) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 645.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 645.27 Td (\(14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 645.27 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 645.27 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 645.27 Td (\(269) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 645.27 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 645.27 Td (\(11) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 645.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 614.50 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 614.50 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 614.50 Td (Results: ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 600.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.72 600.10 Td (income ) Tj ET Q q 0 0 0 rg BT 107.43 600.10 Td (was ) Tj ET Q q 0 0 0 rg BT 128.48 600.10 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 151.87 600.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 188.60 600.10 Td (a ) Tj ET Q q 0 0 0 rg BT 196.31 600.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 240.00 600.10 Td (of ) Tj ET Q q 0 0 0 rg BT 252.39 600.10 Td ($269 ) Tj ET Q q 0 0 0 rg BT 278.78 600.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 318.84 600.10 Td (or ) Tj ET Q q 0 0 0 rg BT 331.23 600.10 Td (1) Tj ET Q q 0 0 0 rg BT 336.78 600.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 358.17 600.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 407.87 600.10 Td (with ) Tj ET Q q 0 0 0 rg BT 431.59 600.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.64 600.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 474.36 600.10 Td (year) Tj ET Q q 0 0 0 rg BT 494.53 600.10 Td (, ) Tj ET Q q 0 0 0 rg BT 499.92 600.10 Td (due ) Tj ET Q q 0 0 0 rg BT 519.63 600.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.36 600.10 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 585.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 98.33 585.70 Td (for ) Tj ET Q q 0 0 0 rg BT 115.33 585.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.64 585.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 177.31 585.70 Td (and ) Tj ET Q q 0 0 0 rg BT 197.64 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 227.96 585.70 Td (net ) Tj ET Q q 0 0 0 rg BT 245.62 585.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 289.60 585.70 Td (lar) Tj ET Q q 0 0 0 rg BT 302.04 585.70 Td (gely ) Tj ET Q q 0 0 0 rg BT 325.70 585.70 Td (of) Tj ET Q q 0 0 0 rg BT 335.47 585.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 355.80 585.70 Td (by ) Tj ET Q q 0 0 0 rg BT 370.80 585.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 401.12 585.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 457.44 585.70 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 565.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.95 565.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.54 565.30 Td (was ) Tj ET Q q 0 0 0 rg BT 131.82 565.30 Td ($10.9 ) Tj ET Q q 0 0 0 rg BT 161.45 565.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 198.40 565.30 Td (a ) Tj ET Q q 0 0 0 rg BT 206.35 565.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 250.27 565.30 Td (of ) Tj ET Q q 0 0 0 rg BT 262.88 565.30 Td ($490 ) Tj ET Q q 0 0 0 rg BT 289.50 565.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 329.79 565.30 Td (or ) Tj ET Q q 0 0 0 rg BT 342.41 565.30 Td (4%, ) Tj ET Q q 0 0 0 rg BT 364.03 565.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 413.96 565.30 Td (with ) Tj ET Q q 0 0 0 rg BT 437.91 565.30 Td (the ) Tj ET Q q 0 0 0 rg BT 455.19 565.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.14 565.30 Td (year) Tj ET Q q 0 0 0 rg BT 501.13 565.30 Td (. ) Tj ET Q q 0 0 0 rg BT 506.75 565.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.69 565.30 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 550.90 Td (income ) Tj ET Q q 0 0 0 rg BT 88.39 550.90 Td (was ) Tj ET Q q 0 0 0 rg BT 110.12 550.90 Td ($7.1 ) Tj ET Q q 0 0 0 rg BT 134.19 550.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.59 550.90 Td (down ) Tj ET Q q 0 0 0 rg BT 201.33 550.90 Td ($47 ) Tj ET Q q 0 0 0 rg BT 222.40 550.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 263.14 550.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 296.86 550.90 Td (by ) Tj ET Q q 0 0 0 rg BT 311.93 550.90 Td (spread ) Tj ET Q q 0 0 0 rg BT 346.32 550.90 Td (compression, ) Tj ET Q q 0 0 0 rg BT 413.04 550.90 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 486.10 550.90 Td (of) Tj ET Q q 0 0 0 rg BT 495.88 550.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 516.27 550.90 Td (by ) Tj ET Q q 0 0 0 rg BT 531.34 550.90 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 536.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 88.46 536.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 133.56 536.50 Td (in ) Tj ET Q q 0 0 0 rg BT 146.68 536.50 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 199.81 536.50 Td (& ) Tj ET Q q 0 0 0 rg BT 212.93 536.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 259.40 536.50 Td (Banking ) Tj ET Q q 0 0 0 rg BT 303.86 536.50 Td (and ) Tj ET Q q 0 0 0 rg BT 324.97 536.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 359.42 536.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 383.88 536.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 428.98 536.50 Td (in ) Tj ET Q q 0 0 0 rg BT 442.10 536.50 Td (Credit ) Tj ET Q q 0 0 0 rg BT 475.89 536.50 Td (Card. ) Tj ET Q q 0 0 0 rg BT 506.01 536.50 Td (Noninterest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 522.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 91.63 522.10 Td (was ) Tj ET Q q 0 0 0 rg BT 113.95 522.10 Td ($3.8 ) Tj ET Q q 0 0 0 rg BT 138.61 522.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 176.60 522.10 Td (a ) Tj ET Q q 0 0 0 rg BT 185.59 522.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 230.54 522.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.20 522.10 Td ($443 ) Tj ET Q q 0 0 0 rg BT 271.85 522.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 313.18 522.10 Td (or ) Tj ET Q q 0 0 0 rg BT 326.83 522.10 Td (10%, ) Tj ET Q q 0 0 0 rg BT 355.49 522.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 389.80 522.10 Td (by ) Tj ET Q q 0 0 0 rg BT 405.46 522.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 436.44 522.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 485.41 522.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 508.39 522.10 Td (and ) Tj ET Q q 0 0 0 rg BT 529.37 522.10 Td (related ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 507.70 Td (income ) Tj ET Q q 0 0 0 rg BT 88.32 507.70 Td (and ) Tj ET Q q 0 0 0 rg BT 108.65 507.70 Td (non-core ) Tj ET Q q 0 0 0 rg BT 154.29 507.70 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 199.29 507.70 Td (exits ) Tj ET Q q 0 0 0 rg BT 224.95 507.70 Td (in ) Tj ET Q q 0 0 0 rg BT 237.28 507.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 270.28 507.70 Td (Card.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 487.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.57 487.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.82 487.30 Td (for ) Tj ET Q q 0 0 0 rg BT 136.73 487.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.96 487.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.55 487.30 Td (was ) Tj ET Q q 0 0 0 rg BT 220.13 487.30 Td ($950 ) Tj ET Q q 0 0 0 rg BT 247.05 487.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 287.63 487.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 337.86 487.30 Td (with ) Tj ET Q q 0 0 0 rg BT 362.11 487.30 Td ($72 ) Tj ET Q q 0 0 0 rg BT 383.02 487.30 Td (million ) Tj ET Q q 0 0 0 rg BT 420.61 487.30 Td (in ) Tj ET Q q 0 0 0 rg BT 432.86 487.30 Td (the ) Tj ET Q q 0 0 0 rg BT 450.44 487.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 476.68 487.30 Td (year) Tj ET Q q 0 0 0 rg BT 496.67 487.30 Td (.? Tj ET Q q 0 0 0 rg BT 502.45 487.30 Td (The ) Tj ET Q q 0 0 0 rg BT 524.02 487.30 Td (current-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 472.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 87.50 472.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 136.36 472.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 181.85 472.90 Td (a ) Tj ET Q q 0 0 0 rg BT 190.70 472.90 Td ($251 ) Tj ET Q q 0 0 0 rg BT 218.23 472.90 Td (million ) Tj ET Q q 0 0 0 rg BT 256.42 472.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 305.26 472.90 Td (in ) Tj ET Q q 0 0 0 rg BT 318.12 472.90 Td (the ) Tj ET Q q 0 0 0 rg BT 336.30 472.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 388.47 472.90 Td (for ) Tj ET Q q 0 0 0 rg BT 405.98 472.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 430.17 472.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 462.36 472.90 Td (and ) Tj ET Q q 0 0 0 rg BT 483.21 472.90 Td (total ) Tj ET Q q 0 0 0 rg BT 508.07 472.90 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 472.90 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 472.90 Td (ge-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 458.50 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 458.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 70.49 458.50 Td (of ) Tj ET Q q 0 0 0 rg BT 82.54 458.50 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 105.58 458.50 Td (billion. ) Tj ET Q q 0 0 0 rg BT 141.82 458.50 Td (The ) Tj ET Q q 0 0 0 rg BT 162.52 458.50 Td (prior) Tj ET Q q 0 0 0 rg BT 185.61 458.50 Td (-year ) Tj ET Q q 0 0 0 rg BT 212.30 458.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 259.69 458.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 303.70 458.50 Td (a ) Tj ET Q q 0 0 0 rg BT 311.07 458.50 Td ($1.2billion ) Tj ET Q q 0 0 0 rg BT 368.46 458.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 415.82 458.50 Td (in ) Tj ET Q q 0 0 0 rg BT 427.20 458.50 Td (the ) Tj ET Q q 0 0 0 rg BT 443.91 458.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 494.60 458.50 Td (for ) Tj ET Q q 0 0 0 rg BT 510.64 458.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 533.34 458.50 Td (losses ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 444.10 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 444.10 Td (total ) Tj ET Q q 0 0 0 rg BT 94.65 444.10 Td (net ) Tj ET Q q 0 0 0 rg BT 112.31 444.10 Td (char) Tj ET Q q 0 0 0 rg BT 132.75 444.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 157.85 444.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 169.51 444.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.51 444.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 206.51 444.10 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 423.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.21 423.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 149.09 423.70 Td (was ) Tj ET Q q 0 0 0 rg BT 169.98 423.70 Td ($6.4 ) Tj ET Q q 0 0 0 rg BT 193.20 423.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 229.77 423.70 Td (a ) Tj ET Q q 0 0 0 rg BT 237.32 423.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 280.84 423.70 Td (of ) Tj ET Q q 0 0 0 rg BT 293.06 423.70 Td ($910 ) Tj ET Q q 0 0 0 rg BT 319.29 423.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 359.19 423.70 Td (or ) Tj ET Q q 0 0 0 rg BT 371.41 423.70 Td (12%, ) Tj ET Q q 0 0 0 rg BT 398.63 423.70 Td (from ) Tj ET Q q 0 0 0 rg BT 424.19 423.70 Td (the ) Tj ET Q q 0 0 0 rg BT 441.07 423.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 466.63 423.70 Td (year) Tj ET Q q 0 0 0 rg BT 486.79 423.70 Td (, ) Tj ET Q q 0 0 0 rg BT 492.02 423.70 Td (predominantly ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 409.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 83.66 409.30 Td (by ) Tj ET Q q 0 0 0 rg BT 98.66 409.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 128.98 409.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 178.63 409.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 222.29 409.30 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 374.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 374.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 374.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 374.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 374.50 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 365.54 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 256.01 360.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 343.11 cm /I11 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 345.70 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 345.70 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 345.70 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 345.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 345.70 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 345.70 Td (16% ) Tj ET Q q 0 0 0 rg BT 234.31 345.70 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 345.70 Td ($51.0 ) Tj ET Q q 0 0 0 rg BT 279.31 345.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.65 345.70 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 345.70 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 345.70 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 345.70 Td (capital) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 445.23 351.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 449.13 345.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 328.71 cm /I12 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 331.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 331.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.31 331.30 Td (total ) Tj ET Q q 0 0 0 rg BT 172.19 331.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 215.08 331.30 Td (were ) Tj ET Q q 0 0 0 rg BT 241.95 331.30 Td ($497.7 ) Tj ET Q q 0 0 0 rg BT 278.50 331.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 316.39 331.30 Td (up ) Tj ET Q q 0 0 0 rg BT 331.95 331.30 Td (8% ) Tj ET Q q 0 0 0 rg BT 351.50 331.30 Td (from ) Tj ET Q q 0 0 0 rg BT 378.38 331.30 Td (the ) Tj ET Q q 0 0 0 rg BT 396.60 331.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.48 331.30 Td (year ) Tj ET Q q 0 0 0 rg BT 447.68 331.30 Td (and ) Tj ET Q q 0 0 0 rg BT 468.56 331.30 Td (up ) Tj ET Q q 0 0 0 rg BT 484.12 331.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 503.67 331.30 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 316.90 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 316.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 316.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 316.90 Td (. ) Tj ET Q q 0 0 0 rg BT 187.30 316.90 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 226.96 316.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 241.96 316.90 Td (in ) Tj ET Q q 0 0 0 rg BT 254.29 316.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 291.96 316.90 Td (growth ) Tj ET Q q 0 0 0 rg BT 328.95 316.90 Td (for ) Tj ET Q q 0 0 0 rg BT 345.95 316.90 Td (the ) Tj ET Q q 0 0 0 rg BT 363.61 316.90 Td (third ) Tj ET Q q 0 0 0 rg BT 389.27 316.90 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 448.91 316.90 Td (year) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 469.56 322.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 473.46 316.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 299.91 cm /I13 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 302.50 Td (Record ) Tj ET Q q 0 0 0 rg BT 141.88 302.50 Td (client ) Tj ET Q q 0 0 0 rg BT 171.75 302.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 227.63 302.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 258.85 302.50 Td (were ) Tj ET Q q 0 0 0 rg BT 285.39 302.50 Td ($213.5 ) Tj ET Q q 0 0 0 rg BT 321.61 302.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 359.17 302.50 Td (up ) Tj ET Q q 0 0 0 rg BT 374.39 302.50 Td (13% ) Tj ET Q q 0 0 0 rg BT 399.61 302.50 Td (from ) Tj ET Q q 0 0 0 rg BT 426.16 302.50 Td (the ) Tj ET Q q 0 0 0 rg BT 444.04 302.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 470.59 302.50 Td (year ) Tj ET Q q 0 0 0 rg BT 494.46 302.50 Td (and ) Tj ET Q q 0 0 0 rg BT 515.01 302.50 Td (up ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 288.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 123.00 288.10 Td (from ) Tj ET Q q 0 0 0 rg BT 149.32 288.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.98 288.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 193.31 288.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 226.63 288.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 271.11 cm /I14 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 273.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 150.04 273.70 Td (Banking ) Tj ET Q q 0 0 0 rg BT 194.07 273.70 Td (originations ) Tj ET Q q 0 0 0 rg BT 254.76 273.70 Td (were ) Tj ET Q q 0 0 0 rg BT 281.44 273.70 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 305.80 273.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 343.50 273.70 Td (up ) Tj ET Q q 0 0 0 rg BT 358.87 273.70 Td (18% ) Tj ET Q q 0 0 0 rg BT 384.23 273.70 Td (from ) Tj ET Q q 0 0 0 rg BT 410.92 273.70 Td (the ) Tj ET Q q 0 0 0 rg BT 428.95 273.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 455.64 273.70 Td (year ) Tj ET Q q 0 0 0 rg BT 479.65 273.70 Td (and ) Tj ET Q q 0 0 0 rg BT 500.34 273.70 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 259.30 Td (7% ) Tj ET Q q 0 0 0 rg BT 123.78 259.30 Td (from ) Tj ET Q q 0 0 0 rg BT 150.88 259.30 Td (the ) Tj ET Q q 0 0 0 rg BT 169.32 259.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 196.43 259.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 229.75 259.30 Td (. ) Tj ET Q q 0 0 0 rg BT 235.69 259.30 Td (A) Tj ET Q q 0 0 0 rg BT 243.47 259.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 279.23 259.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 325.68 259.30 Td (Banking ) Tj ET Q q 0 0 0 rg BT 370.12 259.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 399.24 259.30 Td (were ) Tj ET Q q 0 0 0 rg BT 426.33 259.30 Td ($19.8 ) Tj ET Q q 0 0 0 rg BT 457.11 259.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 495.23 259.30 Td (up ) Tj ET Q q 0 0 0 rg BT 511.01 259.30 Td (6% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 244.90 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 244.90 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 244.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 244.90 Td (year ) Tj ET Q q 0 0 0 rg BT 197.96 244.90 Td (and ) Tj ET Q q 0 0 0 rg BT 218.29 244.90 Td (up ) Tj ET Q q 0 0 0 rg BT 233.29 244.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 252.28 244.90 Td (from ) Tj ET Q q 0 0 0 rg BT 278.61 244.90 Td (the ) Tj ET Q q 0 0 0 rg BT 296.27 244.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 322.60 244.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 355.91 244.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 227.91 cm /I15 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 230.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 153.59 230.50 Td (originations ) Tj ET Q q 0 0 0 rg BT 213.85 230.50 Td (were ) Tj ET Q q 0 0 0 rg BT 240.10 230.50 Td ($23.0 ) Tj ET Q q 0 0 0 rg BT 270.04 230.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 307.31 230.50 Td (down ) Tj ET Q q 0 0 0 rg BT 336.91 230.50 Td (1% ) Tj ET Q q 0 0 0 rg BT 355.84 230.50 Td (from ) Tj ET Q q 0 0 0 rg BT 382.10 230.50 Td (the ) Tj ET Q q 0 0 0 rg BT 399.70 230.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 425.96 230.50 Td (year ) Tj ET Q q 0 0 0 rg BT 449.54 230.50 Td (and ) Tj ET Q q 0 0 0 rg BT 469.81 230.50 Td (up ) Tj ET Q q 0 0 0 rg BT 484.74 230.50 Td (8% ) Tj ET Q q 0 0 0 rg BT 503.67 230.50 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 216.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 216.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 216.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 216.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 199.11 cm /I16 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 201.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 136.78 201.70 Td (cardholders ) Tj ET Q q 0 0 0 rg BT 196.21 201.70 Td (accounted ) Tj ET Q q 0 0 0 rg BT 248.30 201.70 Td (for ) Tj ET Q q 0 0 0 rg BT 265.75 201.70 Td (over ) Tj ET Q q 0 0 0 rg BT 290.52 201.70 Td ($600 ) Tj ET Q q 0 0 0 rg BT 317.98 201.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 355.77 201.70 Td (or ) Tj ET Q q 0 0 0 rg BT 369.22 201.70 Td (approximately ) Tj ET Q q 0 0 0 rg BT 441.98 201.70 Td (16% ) Tj ET Q q 0 0 0 rg BT 467.43 201.70 Td (of ) Tj ET Q q 0 0 0 rg BT 480.88 201.70 Td (total ) Tj ET Q q 0 0 0 rg BT 505.67 201.70 Td (U.S. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 187.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 134.32 187.30 Td (and ) Tj ET Q q 0 0 0 rg BT 154.64 187.30 Td (debit ) Tj ET Q q 0 0 0 rg BT 181.64 187.30 Td (purchase ) Tj ET Q q 0 0 0 rg BT 227.28 187.30 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 263.28 192.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 267.17 187.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 170.31 cm /I17 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 172.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 136.06 172.90 Td (card ) Tj ET Q q 0 0 0 rg BT 158.77 172.90 Td (sales ) Tj ET Q q 0 0 0 rg BT 184.16 172.90 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 220.15 178.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 224.05 172.90 Td ( ) Tj ET Q q 0 0 0 rg BT 226.11 172.90 Td (was ) Tj ET Q q 0 0 0 rg BT 246.84 172.90 Td ($123.6 ) Tj ET Q q 0 0 0 rg BT 281.90 172.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 318.30 172.90 Td (up ) Tj ET Q q 0 0 0 rg BT 332.36 172.90 Td (10% ) Tj ET Q q 0 0 0 rg BT 356.42 172.90 Td (from ) Tj ET Q q 0 0 0 rg BT 381.81 172.90 Td (the ) Tj ET Q q 0 0 0 rg BT 398.53 172.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.92 172.90 Td (year) Tj ET Q q 0 0 0 rg BT 443.91 172.90 Td (. ) Tj ET Q q 0 0 0 rg BT 448.97 172.90 Td (General ) Tj ET Q q 0 0 0 rg BT 489.00 172.90 Td (purpose ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 158.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 132.84 158.50 Td (card ) Tj ET Q q 0 0 0 rg BT 155.01 158.50 Td (sales ) Tj ET Q q 0 0 0 rg BT 179.85 158.50 Td (volume ) Tj ET Q q 0 0 0 rg BT 217.37 158.50 Td (growth ) Tj ET Q q 0 0 0 rg BT 252.88 158.50 Td (has ) Tj ET Q q 0 0 0 rg BT 270.40 158.50 Td (outperformed ) Tj ET Q q 0 0 0 rg BT 337.23 158.50 Td (the ) Tj ET Q q 0 0 0 rg BT 353.41 158.50 Td (industry ) Tj ET Q q 0 0 0 rg BT 394.26 158.50 Td (for ) Tj ET Q q 0 0 0 rg BT 409.78 158.50 Td (27 ) Tj ET Q q 0 0 0 rg BT 423.30 158.50 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 481.46 158.50 Td (quarters) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 520.11 163.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 524.01 158.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 141.51 cm /I18 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 144.10 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.02 144.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 191.38 144.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 217.07 144.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 240.09 144.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 283.76 144.10 Td (were ) Tj ET Q q 0 0 0 rg BT 309.44 144.10 Td ($131.0 ) Tj ET Q q 0 0 0 rg BT 344.81 144.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 381.51 144.10 Td (up ) Tj ET Q q 0 0 0 rg BT 395.87 144.10 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 419.23 144.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 455.93 144.10 Td (or ) Tj ET Q q 0 0 0 rg BT 468.29 144.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 486.66 144.10 Td (from ) Tj ET Q q 0 0 0 rg BT 512.35 144.10 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 129.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 129.70 Td (year) Tj ET Q q 0 0 0 rg BT 150.31 129.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 112.71 cm /I19 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 115.30 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 153.01 115.30 Td (processing ) Tj ET Q q 0 0 0 rg BT 207.36 115.30 Td (volume ) Tj ET Q q 0 0 0 rg BT 246.39 115.30 Td (was ) Tj ET Q q 0 0 0 rg BT 268.08 115.30 Td ($230.2 ) Tj ET Q q 0 0 0 rg BT 304.11 115.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 341.48 115.30 Td (up ) Tj ET Q q 0 0 0 rg BT 356.51 115.30 Td (13% ) Tj ET Q q 0 0 0 rg BT 381.54 115.30 Td (from ) Tj ET Q q 0 0 0 rg BT 407.89 115.30 Td (the ) Tj ET Q q 0 0 0 rg BT 425.58 115.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 451.94 115.30 Td (year ) Tj ET Q q 0 0 0 rg BT 475.62 115.30 Td (and ) Tj ET Q q 0 0 0 rg BT 495.98 115.30 Td (up ) Tj ET Q q 0 0 0 rg BT 511.01 115.30 Td (8% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 100.90 Td (from ) Tj ET Q q 0 0 0 rg BT 129.36 100.90 Td (the ) Tj ET Q q 0 0 0 rg BT 146.05 100.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 171.41 100.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 204.72 100.90 Td (. ) Tj ET Q q 0 0 0 rg BT 209.61 100.90 Td (T) Tj ET Q q 0 0 0 rg BT 216.10 100.90 Td (otal ) Tj ET Q q 0 0 0 rg BT 236.13 100.90 Td (transactions ) Tj ET Q q 0 0 0 rg BT 295.48 100.90 Td (processed ) Tj ET Q q 0 0 0 rg BT 344.82 100.90 Td (were ) Tj ET Q q 0 0 0 rg BT 370.17 100.90 Td (10.3 ) Tj ET Q q 0 0 0 rg BT 393.20 100.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 429.57 100.90 Td (up ) Tj ET Q q 0 0 0 rg BT 443.60 100.90 Td (7% ) Tj ET Q q 0 0 0 rg BT 461.63 100.90 Td (from ) Tj ET Q q 0 0 0 rg BT 486.98 100.90 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 100.90 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 86.50 Td (year) Tj ET Q q 0 0 0 rg BT 123.99 86.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 69.51 cm /I20 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 72.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 130.90 72.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 191.13 72.10 Td (were ) Tj ET Q q 0 0 0 rg BT 217.35 72.10 Td ($6.9 ) Tj ET Q q 0 0 0 rg BT 241.25 72.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 278.49 72.10 Td (up ) Tj ET Q q 0 0 0 rg BT 293.39 72.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 312.29 72.10 Td (from ) Tj ET Q q 0 0 0 rg BT 338.52 72.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.08 72.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 382.31 72.10 Td (year ) Tj ET Q q 0 0 0 rg BT 405.86 72.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.08 72.10 Td (up ) Tj ET Q q 0 0 0 rg BT 440.99 72.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 459.88 72.10 Td (from ) Tj ET Q q 0 0 0 rg BT 486.11 72.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.67 72.10 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 57.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 57.70 Td (.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I21 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (Active ) Tj ET Q q 0 0 0 rg BT 138.97 740.70 Td (online ) Tj ET Q q 0 0 0 rg BT 171.94 740.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 223.58 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 236.55 740.70 Td (36.4 ) Tj ET Q q 0 0 0 rg BT 260.53 740.70 Td (million ) Tj ET Q q 0 0 0 rg BT 298.18 740.70 Td (which ) Tj ET Q q 0 0 0 rg BT 330.49 740.70 Td (includes ) Tj ET Q q 0 0 0 rg BT 373.46 740.70 Td (active ) Tj ET Q q 0 0 0 rg BT 405.08 740.70 Td (mobile ) Tj ET Q q 0 0 0 rg BT 441.39 740.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 493.02 740.70 Td (of ) Tj ET Q q 0 0 0 rg BT 506.00 740.70 Td (19.1 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 144.51 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 159.34 726.30 Td (3.5 ) Tj ET Q q 0 0 0 rg BT 177.18 726.30 Td (million ) Tj ET Q q 0 0 0 rg BT 214.69 726.30 Td (or ) Tj ET Q q 0 0 0 rg BT 227.52 726.30 Td (22%. ) Tj ET Q q 0 0 0 rg BT 255.36 726.30 Td (Chase.com ) Tj ET Q q 0 0 0 rg BT 311.18 726.30 Td (remains ) Tj ET Q q 0 0 0 rg BT 352.00 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 369.50 726.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 384.34 726.30 Td (most ) Tj ET Q q 0 0 0 rg BT 410.51 726.30 Td (visited ) Tj ET Q q 0 0 0 rg BT 445.35 726.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 486.85 726.30 Td (portal ) Tj ET Q q 0 0 0 rg BT 517.67 726.30 Td (in ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 711.90 Td (U.S.) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 143.00 717.34 Td (1) Tj ET Q BT /F2 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 /F1 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 ($861 ) 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 ($65 ) 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 (8%, ) Tj ET Q q 0 0 0 rg BT 514.70 683.10 Td (compared ) Tj ET Q BT /F1 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 BT /F1 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 69.95 648.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.54 648.30 Td (was ) Tj ET Q q 0 0 0 rg BT 131.82 648.30 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 155.44 648.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 192.39 648.30 Td (up ) Tj ET Q q 0 0 0 rg BT 207.01 648.30 Td (3% ) Tj ET Q q 0 0 0 rg BT 225.63 648.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 275.56 648.30 Td (with ) Tj ET Q q 0 0 0 rg BT 299.51 648.30 Td (the ) Tj ET Q q 0 0 0 rg BT 316.79 648.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 342.73 648.30 Td (year) Tj ET Q q 0 0 0 rg BT 362.72 648.30 Td (. ) Tj ET Q q 0 0 0 rg BT 368.34 648.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 388.29 648.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 426.22 648.30 Td (income ) Tj ET Q q 0 0 0 rg BT 464.16 648.30 Td (was ) Tj ET Q q 0 0 0 rg BT 485.45 648.30 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 509.06 648.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 546.02 648.30 Td (flat ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 633.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 101.68 633.90 Td (with ) Tj ET Q q 0 0 0 rg BT 127.38 633.90 Td (the ) Tj ET Q q 0 0 0 rg BT 146.41 633.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.11 633.90 Td (year) Tj ET Q q 0 0 0 rg BT 194.28 633.90 Td (, ) Tj ET Q q 0 0 0 rg BT 201.65 633.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 236.67 633.90 Td (by ) Tj ET Q q 0 0 0 rg BT 253.04 633.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 288.07 633.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 327.10 633.90 Td (balances, ) Tj ET Q q 0 0 0 rg BT 375.78 633.90 Td (of) Tj ET Q q 0 0 0 rg BT 385.56 633.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 407.25 633.90 Td (by ) Tj ET Q q 0 0 0 rg BT 423.62 633.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 462.66 633.90 Td (spread ) Tj ET Q q 0 0 0 rg BT 498.34 633.90 Td (compression. ) Tj ET Q BT /F1 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 109.66 619.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 151.32 619.50 Td (was ) Tj ET Q q 0 0 0 rg BT 173.66 619.50 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 198.34 619.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 236.35 619.50 Td (an ) Tj ET Q q 0 0 0 rg BT 251.35 619.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 294.34 619.50 Td (of ) Tj ET Q q 0 0 0 rg BT 308.01 619.50 Td (6%, ) Tj ET Q q 0 0 0 rg BT 330.69 619.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 365.02 619.50 Td (by ) Tj ET Q q 0 0 0 rg BT 380.70 619.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 415.03 619.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 471.37 619.50 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 516.02 619.50 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (record ) Tj ET Q q 0 0 0 rg BT 83.64 605.10 Td (client ) Tj ET Q q 0 0 0 rg BT 113.30 605.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 168.96 605.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 202.95 605.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 236.61 605.10 Td (deposit-related ) Tj ET Q q 0 0 0 rg BT 310.91 605.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 333.23 605.10 Td (and ) Tj ET Q q 0 0 0 rg BT 353.56 605.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 387.21 605.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 414.21 605.10 Td (card ) Tj ET Q q 0 0 0 rg BT 437.86 605.10 Td (revenue.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 584.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.69 584.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.05 584.70 Td (was ) Tj ET Q q 0 0 0 rg BT 171.42 584.70 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 195.13 584.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.18 584.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 250.87 584.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 300.89 584.70 Td (with ) Tj ET Q q 0 0 0 rg BT 324.93 584.70 Td (the ) Tj ET Q q 0 0 0 rg BT 342.30 584.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 368.34 584.70 Td (year) Tj ET Q q 0 0 0 rg BT 388.50 584.70 Td (, ) Tj ET Q q 0 0 0 rg BT 394.21 584.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 442.89 584.70 Td (ef) Tj ET Q q 0 0 0 rg BT 452.00 584.70 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 493.35 584.70 Td (improvements ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 570.30 Td (in ) Tj ET Q q 0 0 0 rg BT 62.33 570.30 Td (the ) Tj ET Q q 0 0 0 rg BT 79.99 570.30 Td (business, ) Tj ET Q q 0 0 0 rg BT 126.66 570.30 Td (of) Tj ET Q q 0 0 0 rg BT 136.44 570.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 156.77 570.30 Td (by ) Tj ET Q q 0 0 0 rg BT 171.77 570.30 Td (increased ) Tj ET Q q 0 0 0 rg BT 220.07 570.30 Td (cost ) Tj ET Q q 0 0 0 rg BT 242.40 570.30 Td (of ) Tj ET Q q 0 0 0 rg BT 255.40 570.30 Td (controls.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 537.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 537.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 537.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 537.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 537.90 Td (Updates: ) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 528.94 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 506.51 cm /I22 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 509.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 509.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 509.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 509.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 509.10 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 509.10 Td (31% ) Tj ET Q q 0 0 0 rg BT 234.31 509.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 509.10 Td ($1) Tj ET Q q 0 0 0 rg BT 260.87 509.10 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 278.87 509.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.20 509.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.20 509.10 Td (average ) Tj ET Q q 0 0 0 rg BT 366.50 509.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 412.81 509.10 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 492.11 cm /I23 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 494.70 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 142.96 494.70 Td (#1 ) Tj ET Q q 0 0 0 rg BT 157.27 494.70 Td (in ) Tj ET Q q 0 0 0 rg BT 168.91 494.70 Td (customer ) Tj ET Q q 0 0 0 rg BT 215.21 494.70 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 272.16 494.70 Td (among ) Tj ET Q q 0 0 0 rg BT 307.13 494.70 Td (the ) Tj ET Q q 0 0 0 rg BT 324.10 494.70 Td (lar) Tj ET Q q 0 0 0 rg BT 336.54 494.70 Td (gest ) Tj ET Q q 0 0 0 rg BT 358.17 494.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 381.82 494.70 Td (banks ) Tj ET Q q 0 0 0 rg BT 412.12 494.70 Td (for ) Tj ET Q q 0 0 0 rg BT 428.42 494.70 Td (the ) Tj ET Q q 0 0 0 rg BT 445.39 494.70 Td (third ) Tj ET Q q 0 0 0 rg BT 470.36 494.70 Td (consecutive ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 480.30 Td (year) Tj ET Q q 0 0 0 rg BT 124.17 480.30 Td (, ) Tj ET Q q 0 0 0 rg BT 130.17 480.30 Td (according ) Tj ET Q q 0 0 0 rg BT 180.48 480.30 Td (to ) Tj ET Q q 0 0 0 rg BT 192.15 480.30 Td (American ) Tj ET Q q 0 0 0 rg BT 242.46 480.30 Td (Customer ) Tj ET Q q 0 0 0 rg BT 292.12 480.30 Td (Satisfaction ) Tj ET Q q 0 0 0 rg BT 351.78 480.30 Td (Index ) Tj ET Q q 0 0 0 rg BT 382.10 480.30 Td (\("ACSI"\).) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 463.31 cm /I24 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 465.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 465.90 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.31 465.90 Td (total ) Tj ET Q q 0 0 0 rg BT 172.19 465.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 215.08 465.90 Td (were ) Tj ET Q q 0 0 0 rg BT 241.95 465.90 Td ($482.8 ) Tj ET Q q 0 0 0 rg BT 278.50 465.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 316.39 465.90 Td (up ) Tj ET Q q 0 0 0 rg BT 331.95 465.90 Td (8% ) Tj ET Q q 0 0 0 rg BT 351.50 465.90 Td (from ) Tj ET Q q 0 0 0 rg BT 378.38 465.90 Td (the ) Tj ET Q q 0 0 0 rg BT 396.60 465.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.48 465.90 Td (year ) Tj ET Q q 0 0 0 rg BT 447.68 465.90 Td (and ) Tj ET Q q 0 0 0 rg BT 468.56 465.90 Td (up ) Tj ET Q q 0 0 0 rg BT 484.12 465.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 503.67 465.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 451.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 451.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 451.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 451.50 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 434.51 cm /I25 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 437.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 143.76 437.10 Td (mar) Tj ET Q q 0 0 0 rg BT 162.20 437.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 179.96 437.10 Td (was ) Tj ET Q q 0 0 0 rg BT 201.05 437.10 Td (2.1) Tj ET Q q 0 0 0 rg BT 215.61 437.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 237.03 437.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 286.77 437.10 Td (with ) Tj ET Q q 0 0 0 rg BT 310.53 437.10 Td (2.29% ) Tj ET Q q 0 0 0 rg BT 343.96 437.10 Td (in ) Tj ET Q q 0 0 0 rg BT 355.72 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.81 437.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 398.56 437.10 Td (year ) Tj ET Q q 0 0 0 rg BT 421.64 437.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.39 437.10 Td (2.20% ) Tj ET Q q 0 0 0 rg BT 474.82 437.10 Td (in ) Tj ET Q q 0 0 0 rg BT 486.58 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.67 437.10 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 422.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 422.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 405.71 cm /I26 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 408.30 Td (Households ) Tj ET Q q 0 0 0 rg BT 162.93 408.30 Td (totaled ) Tj ET Q q 0 0 0 rg BT 197.85 408.30 Td (25.7 ) Tj ET Q q 0 0 0 rg BT 221.11 408.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 261.04 408.30 Td (up ) Tj ET Q q 0 0 0 rg BT 275.31 408.30 Td (approximately ) Tj ET Q q 0 0 0 rg BT 346.88 408.30 Td (700,000 ) Tj ET Q q 0 0 0 rg BT 388.14 408.30 Td (or ) Tj ET Q q 0 0 0 rg BT 400.40 408.30 Td (3% ) Tj ET Q q 0 0 0 rg BT 418.66 408.30 Td (from ) Tj ET Q q 0 0 0 rg BT 444.25 408.30 Td (the ) Tj ET Q q 0 0 0 rg BT 461.17 408.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.76 408.30 Td (year ) Tj ET Q q 0 0 0 rg BT 509.68 408.30 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 393.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 122.99 393.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 173.30 393.90 Td (with ) Tj ET Q q 0 0 0 rg BT 197.63 393.90 Td (the ) Tj ET Q q 0 0 0 rg BT 215.29 393.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 241.62 393.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 274.94 393.90 Td (.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 367.50 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 102.70 367.50 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.06 367.50 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 148.34 367.50 Td (net ) Tj ET Q q 0 0 0 rg BT 165.73 367.50 Td (income ) Tj ET Q q 0 0 0 rg BT 203.78 367.50 Td (was ) Tj ET Q q 0 0 0 rg BT 225.17 367.50 Td ($338 ) Tj ET Q q 0 0 0 rg BT 251.90 367.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 292.29 367.50 Td (a ) Tj ET Q q 0 0 0 rg BT 300.35 367.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 344.38 367.50 Td (of ) Tj ET Q q 0 0 0 rg BT 357.10 367.50 Td ($255 ) Tj ET Q q 0 0 0 rg BT 383.83 367.50 Td (million ) Tj ET Q q 0 0 0 rg BT 421.23 367.50 Td (from ) Tj ET Q q 0 0 0 rg BT 447.28 367.50 Td (the ) Tj ET Q q 0 0 0 rg BT 464.67 367.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.73 367.50 Td (year) Tj ET Q q 0 0 0 rg BT 510.90 367.50 Td (, ) Tj ET Q q 0 0 0 rg BT 516.63 367.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.01 367.50 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 353.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.66 353.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 131.99 353.10 Td (for ) Tj ET Q q 0 0 0 rg BT 148.98 353.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 179.30 353.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 210.97 353.10 Td (and ) Tj ET Q q 0 0 0 rg BT 231.29 353.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 261.62 353.10 Td (net ) Tj ET Q q 0 0 0 rg BT 279.28 353.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 323.25 353.10 Td (lar) Tj ET Q q 0 0 0 rg BT 335.69 353.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 359.35 353.10 Td (of) Tj ET Q q 0 0 0 rg BT 369.13 353.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 389.46 353.10 Td (by ) Tj ET Q q 0 0 0 rg BT 404.46 353.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 434.78 353.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 491.10 353.10 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 332.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.26 332.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.16 332.70 Td (was ) Tj ET Q q 0 0 0 rg BT 132.76 332.70 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 156.69 332.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.95 332.70 Td (a ) Tj ET Q q 0 0 0 rg BT 202.21 332.70 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.44 332.70 Td (of ) Tj ET Q q 0 0 0 rg BT 259.37 332.70 Td ($405 ) Tj ET Q q 0 0 0 rg BT 286.30 332.70 Td (million ) Tj ET Q q 0 0 0 rg BT 323.90 332.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.14 332.70 Td (with ) Tj ET Q q 0 0 0 rg BT 398.40 332.70 Td (the ) Tj ET Q q 0 0 0 rg BT 416.00 332.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.25 332.70 Td (year) Tj ET Q q 0 0 0 rg BT 462.24 332.70 Td (. ) Tj ET Q q 0 0 0 rg BT 468.17 332.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 488.43 332.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.68 332.70 Td (income ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 318.30 Td (was ) Tj ET Q q 0 0 0 rg BT 71.25 318.30 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 94.83 318.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 131.75 318.30 Td (a ) Tj ET Q q 0 0 0 rg BT 139.66 318.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 183.54 318.30 Td (of ) Tj ET Q q 0 0 0 rg BT 196.12 318.30 Td ($1) Tj ET Q q 0 0 0 rg BT 207.68 318.30 Td (12 ) Tj ET Q q 0 0 0 rg BT 222.26 318.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 262.51 318.30 Td (or ) Tj ET Q q 0 0 0 rg BT 275.09 318.30 Td (10%, ) Tj ET Q q 0 0 0 rg BT 302.67 318.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 335.91 318.30 Td (by ) Tj ET Q q 0 0 0 rg BT 350.50 318.30 Td (spread ) Tj ET Q q 0 0 0 rg BT 384.40 318.30 Td (compression ) Tj ET Q q 0 0 0 rg BT 447.64 318.30 Td (and ) Tj ET Q q 0 0 0 rg BT 467.55 318.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 497.46 318.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 520.70 318.30 Td (balances ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 303.90 Td (due ) Tj ET Q q 0 0 0 rg BT 70.33 303.90 Td (to ) Tj ET Q q 0 0 0 rg BT 82.66 303.90 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 127.66 303.90 Td (runof) Tj ET Q q 0 0 0 rg BT 153.43 303.90 Td (f. ) Tj ET Q q 0 0 0 rg BT 163.43 303.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 222.42 303.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 263.40 303.90 Td (was ) Tj ET Q q 0 0 0 rg BT 285.06 303.90 Td ($845 ) Tj ET Q q 0 0 0 rg BT 312.06 303.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 352.73 303.90 Td (a ) Tj ET Q q 0 0 0 rg BT 361.06 303.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 405.36 303.90 Td (of ) Tj ET Q q 0 0 0 rg BT 418.36 303.90 Td ($293 ) Tj ET Q q 0 0 0 rg BT 445.36 303.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 486.03 303.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 519.69 303.90 Td (by ) Tj ET Q q 0 0 0 rg BT 534.69 303.90 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 289.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 98.32 289.50 Td (fees ) Tj ET Q q 0 0 0 rg BT 120.63 289.50 Td (and ) Tj ET Q q 0 0 0 rg BT 140.96 289.50 Td (related ) Tj ET Q q 0 0 0 rg BT 176.60 289.50 Td (income.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 269.10 Td (The ) Tj ET Q q 0 0 0 rg BT 71.63 269.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.94 269.10 Td (for ) Tj ET Q q 0 0 0 rg BT 136.91 269.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.20 269.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.84 269.10 Td (was ) Tj ET Q q 0 0 0 rg BT 220.48 269.10 Td ($13 ) Tj ET Q q 0 0 0 rg BT 241.46 269.10 Td (million) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 276.13 274.54 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 280.03 269.10 Td (, ) Tj ET Q q 0 0 0 rg BT 286.00 269.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 336.28 269.10 Td (with ) Tj ET Q q 0 0 0 rg BT 360.59 269.10 Td (a ) Tj ET Q q 0 0 0 rg BT 368.90 269.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 405.19 269.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.16 269.10 Td ($782 ) Tj ET Q q 0 0 0 rg BT 445.13 269.10 Td (million ) Tj ET Q q 0 0 0 rg BT 482.78 269.10 Td (in ) Tj ET Q q 0 0 0 rg BT 495.09 269.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.72 269.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.02 269.10 Td (year) Tj ET Q q 0 0 0 rg BT 559.01 269.10 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 254.70 Td (The ) Tj ET Q q 0 0 0 rg BT 71.45 254.70 Td (current ) Tj ET Q q 0 0 0 rg BT 108.22 254.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 144.98 254.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 189.74 254.70 Td (a ) Tj ET Q q 0 0 0 rg BT 197.86 254.70 Td ($100 ) Tj ET Q q 0 0 0 rg BT 224.65 254.70 Td (million ) Tj ET Q q 0 0 0 rg BT 262.11 254.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 310.21 254.70 Td (in ) Tj ET Q q 0 0 0 rg BT 322.34 254.70 Td (the ) Tj ET Q q 0 0 0 rg BT 339.79 254.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 391.22 254.70 Td (for ) Tj ET Q q 0 0 0 rg BT 408.00 254.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 431.45 254.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 465.91 254.70 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 514.68 254.70 Td (continued ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 240.30 Td (improvement ) Tj ET Q q 0 0 0 rg BT 117.99 240.30 Td (in ) Tj ET Q q 0 0 0 rg BT 131.33 240.30 Td (home ) Tj ET Q q 0 0 0 rg BT 162.00 240.30 Td (prices ) Tj ET Q q 0 0 0 rg BT 194.66 240.30 Td (and ) Tj ET Q q 0 0 0 rg BT 215.99 240.30 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 288.68 240.30 Td (The ) Tj ET Q q 0 0 0 rg BT 311.34 240.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 338.68 240.30 Td (year ) Tj ET Q q 0 0 0 rg BT 363.33 240.30 Td (included ) Tj ET Q q 0 0 0 rg BT 408.66 240.30 Td (a ) Tj ET Q q 0 0 0 rg BT 417.99 240.30 Td ($950 ) Tj ET Q q 0 0 0 rg BT 446.00 240.30 Td (million ) Tj ET Q q 0 0 0 rg BT 484.67 240.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 534.00 240.30 Td (in ) Tj ET Q q 0 0 0 rg BT 547.34 240.30 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 225.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 101.35 225.90 Td (for ) Tj ET Q q 0 0 0 rg BT 118.05 225.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 141.42 225.90 Td (losses. ) Tj ET Q q 0 0 0 rg BT 175.80 225.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 195.84 225.90 Td (char) Tj ET Q q 0 0 0 rg BT 216.27 225.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 241.37 225.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 252.75 225.90 Td (were ) Tj ET Q q 0 0 0 rg BT 278.77 225.90 Td ($1) Tj ET Q q 0 0 0 rg BT 290.33 225.90 Td (13 ) Tj ET Q q 0 0 0 rg BT 305.04 225.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 345.42 225.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 395.43 225.90 Td (with ) Tj ET Q q 0 0 0 rg BT 419.48 225.90 Td ($168 ) Tj ET Q q 0 0 0 rg BT 446.19 225.90 Td (million ) Tj ET Q q 0 0 0 rg BT 483.57 225.90 Td (in ) Tj ET Q q 0 0 0 rg BT 495.61 225.90 Td (the ) Tj ET Q q 0 0 0 rg BT 512.98 225.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.02 225.90 Td (year) Tj ET Q q 0 0 0 rg BT 559.00 225.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 205.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.67 205.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.00 205.50 Td (was ) Tj ET Q q 0 0 0 rg BT 171.35 205.50 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 195.03 205.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.05 205.50 Td (a ) Tj ET Q q 0 0 0 rg BT 240.06 205.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 284.04 205.50 Td (of ) Tj ET Q q 0 0 0 rg BT 296.72 205.50 Td ($766 ) Tj ET Q q 0 0 0 rg BT 323.40 205.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 363.76 205.50 Td (or ) Tj ET Q q 0 0 0 rg BT 376.44 205.50 Td (37%, ) Tj ET Q q 0 0 0 rg BT 404.12 205.50 Td (from ) Tj ET Q q 0 0 0 rg BT 430.13 205.50 Td (the ) Tj ET Q q 0 0 0 rg BT 447.47 205.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 473.48 205.50 Td (year) Tj ET Q q 0 0 0 rg BT 493.65 205.50 Td (, ) Tj ET Q q 0 0 0 rg BT 499.33 205.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 532.67 205.50 Td (by ) Tj ET Q q 0 0 0 rg BT 547.36 205.50 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 191.10 Td (absence ) Tj ET Q q 0 0 0 rg BT 90.97 191.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.97 191.10 Td (non-MBS ) Tj ET Q q 0 0 0 rg BT 154.31 191.10 Td (related ) Tj ET Q q 0 0 0 rg BT 189.96 191.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 216.28 191.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 257.93 191.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.25 191.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 308.57 191.10 Td (headcount-related ) Tj ET Q q 0 0 0 rg BT 397.53 191.10 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 173.10 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 158.70 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 101.95 158.70 Td (Production) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 157.29 158.70 Td ( ) Tj ET Q q 0 0 0 rg BT 161.24 158.70 Td (pretax ) Tj ET Q q 0 0 0 rg BT 195.18 158.70 Td (income ) Tj ET Q q 0 0 0 rg BT 234.45 158.70 Td (was ) Tj ET Q q 0 0 0 rg BT 257.06 158.70 Td ($204 ) Tj ET Q q 0 0 0 rg BT 285.01 158.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 326.63 158.70 Td (an ) Tj ET Q q 0 0 0 rg BT 341.91 158.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 385.16 158.70 Td (of ) Tj ET Q q 0 0 0 rg BT 399.11 158.70 Td ($472 ) Tj ET Q q 0 0 0 rg BT 427.06 158.70 Td (million ) Tj ET Q q 0 0 0 rg BT 465.68 158.70 Td (from ) Tj ET Q q 0 0 0 rg BT 492.96 158.70 Td (the ) Tj ET Q q 0 0 0 rg BT 511.57 158.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.85 158.70 Td (year) Tj ET Q q 0 0 0 rg BT 559.01 158.70 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 144.30 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 99.95 144.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 131.25 144.30 Td (expense, ) Tj ET Q q 0 0 0 rg BT 176.87 144.30 Td (partially ) Tj ET Q q 0 0 0 rg BT 220.84 144.30 Td (of) Tj ET Q q 0 0 0 rg BT 230.62 144.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 251.92 144.30 Td (by ) Tj ET Q q 0 0 0 rg BT 267.90 144.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 299.19 144.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 336.49 144.30 Td (from ) Tj ET Q q 0 0 0 rg BT 363.79 144.30 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 419.74 144.30 Td (losses. ) Tj ET Q q 0 0 0 rg BT 455.38 144.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 506.01 144.30 Td (production-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 129.90 Td (related ) Tj ET Q q 0 0 0 rg BT 86.41 129.90 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 131.15 129.90 Td (excluding ) Tj ET Q q 0 0 0 rg BT 182.24 129.90 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 237.97 129.90 Td (losses, ) Tj ET Q q 0 0 0 rg BT 273.40 129.90 Td (was ) Tj ET Q q 0 0 0 rg BT 295.83 129.90 Td ($447 ) Tj ET Q q 0 0 0 rg BT 323.60 129.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 365.04 129.90 Td (a ) Tj ET Q q 0 0 0 rg BT 374.13 129.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 419.19 129.90 Td (of ) Tj ET Q q 0 0 0 rg BT 432.95 129.90 Td ($53 ) Tj ET Q q 0 0 0 rg BT 454.72 129.90 Td (million ) Tj ET Q q 0 0 0 rg BT 493.15 129.90 Td (from ) Tj ET Q q 0 0 0 rg BT 520.25 129.90 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 129.90 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 115.50 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 115.50 Td (, ) Tj ET Q q 0 0 0 rg BT 74.87 115.50 Td (primarily ) Tj ET Q q 0 0 0 rg BT 121.23 115.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 168.91 115.50 Td (tighter ) Tj ET Q q 0 0 0 rg BT 201.94 115.50 Td (mar) Tj ET Q q 0 0 0 rg BT 220.38 115.50 Td (gins ) Tj ET Q q 0 0 0 rg BT 242.09 115.50 Td (due ) Tj ET Q q 0 0 0 rg BT 261.12 115.50 Td (to ) Tj ET Q q 0 0 0 rg BT 272.16 115.50 Td (shift ) Tj ET Q q 0 0 0 rg BT 295.20 115.50 Td (in ) Tj ET Q q 0 0 0 rg BT 306.24 115.50 Td (mix. ) Tj ET Q q 0 0 0 rg BT 329.61 115.50 Td (Production ) Tj ET Q q 0 0 0 rg BT 383.98 115.50 Td (expense) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 422.63 120.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 426.53 115.50 Td ( ) Tj ET Q q 0 0 0 rg BT 428.23 115.50 Td (was ) Tj ET Q q 0 0 0 rg BT 448.60 115.50 Td ($374 ) Tj ET Q q 0 0 0 rg BT 474.30 115.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 513.68 115.50 Td (a ) Tj ET Q q 0 0 0 rg BT 520.71 115.50 Td (decrease ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 101.10 Td (of ) Tj ET Q q 0 0 0 rg BT 63.64 101.10 Td ($615million ) Tj ET Q q 0 0 0 rg BT 128.95 101.10 Td (from ) Tj ET Q q 0 0 0 rg BT 155.92 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.22 101.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 201.19 101.10 Td (year) Tj ET Q q 0 0 0 rg BT 221.35 101.10 Td (, ) Tj ET Q q 0 0 0 rg BT 228.00 101.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 301.62 101.10 Td (due ) Tj ET Q q 0 0 0 rg BT 322.59 101.10 Td (to ) Tj ET Q q 0 0 0 rg BT 335.57 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.87 101.10 Td (absence ) Tj ET Q q 0 0 0 rg BT 395.48 101.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.12 101.10 Td (non-MBS ) Tj ET Q q 0 0 0 rg BT 460.11 101.10 Td (related ) Tj ET Q q 0 0 0 rg BT 496.39 101.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 523.35 101.10 Td (expense ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 86.70 Td (and ) Tj ET Q q 0 0 0 rg BT 70.46 86.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 100.92 86.70 Td (headcount-related ) Tj ET Q q 0 0 0 rg BT 190.01 86.70 Td (expense. ) Tj ET Q q 0 0 0 rg BT 234.79 86.70 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 293.90 86.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 325.71 86.70 Td (for ) Tj ET Q q 0 0 0 rg BT 342.84 86.70 Td (the ) Tj ET Q q 0 0 0 rg BT 360.63 86.70 Td (current ) Tj ET Q q 0 0 0 rg BT 397.75 86.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 434.86 86.70 Td (reflected ) Tj ET Q q 0 0 0 rg BT 479.97 86.70 Td (a ) Tj ET Q q 0 0 0 rg BT 488.43 86.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 524.88 86.70 Td (of ) Tj ET Q q 0 0 0 rg BT 538.01 86.70 Td ($131 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 72.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 90.67 72.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 140.98 72.30 Td (with ) Tj ET Q q 0 0 0 rg BT 165.31 72.30 Td (a ) Tj ET Q q 0 0 0 rg BT 173.64 72.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 209.96 72.30 Td (of ) Tj ET Q q 0 0 0 rg BT 222.95 72.30 Td ($221 ) Tj ET Q q 0 0 0 rg BT 249.95 72.30 Td (million ) Tj ET Q q 0 0 0 rg BT 287.62 72.30 Td (in ) Tj ET Q q 0 0 0 rg BT 299.96 72.30 Td (the ) Tj ET Q q 0 0 0 rg BT 317.62 72.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 343.94 72.30 Td (year) Tj ET Q q 0 0 0 rg BT 363.93 72.30 Td (.) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 100.69 740.90 Td (Servicing ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 150.05 740.90 Td (pretax ) Tj ET Q q 0 0 0 rg BT 182.72 740.90 Td (income ) Tj ET Q q 0 0 0 rg BT 220.74 740.90 Td (was ) Tj ET Q q 0 0 0 rg BT 242.09 740.90 Td ($23 ) Tj ET Q q 0 0 0 rg BT 262.78 740.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 303.15 740.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 353.15 740.90 Td (with ) Tj ET Q q 0 0 0 rg BT 377.17 740.90 Td ($1) Tj ET Q q 0 0 0 rg BT 388.73 740.90 Td (1 ) Tj ET Q q 0 0 0 rg BT 397.42 740.90 Td (million ) Tj ET Q q 0 0 0 rg BT 434.78 740.90 Td (in ) Tj ET Q q 0 0 0 rg BT 446.81 740.90 Td (the ) Tj ET Q q 0 0 0 rg BT 464.16 740.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.18 740.90 Td (year) Tj ET Q q 0 0 0 rg BT 510.35 740.90 Td (, ) Tj ET Q q 0 0 0 rg BT 516.04 740.90 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 79.61 726.50 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 128.21 726.50 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 200.48 726.50 Td (of) Tj ET Q q 0 0 0 rg BT 210.26 726.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 229.87 726.50 Td (by ) Tj ET Q q 0 0 0 rg BT 244.16 726.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 273.76 726.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 314.02 726.50 Td (and ) Tj ET Q q 0 0 0 rg BT 333.63 726.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 363.24 726.50 Td (MSR ) Tj ET Q q 0 0 0 rg BT 390.88 726.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 411.16 726.50 Td (management ) Tj ET Q q 0 0 0 rg BT 474.75 726.50 Td (income. ) Tj ET Q q 0 0 0 rg BT 515.36 726.50 Td (Mortgage ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (net ) Tj ET Q q 0 0 0 rg BT 68.53 712.10 Td (servicing-related ) Tj ET Q q 0 0 0 rg BT 153.03 712.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 194.88 712.10 Td (was ) Tj 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412.33 654.50 Td (due ) Tj ET Q q 0 0 0 rg BT 432.90 654.50 Td (to ) Tj ET Q q 0 0 0 rg BT 445.48 654.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 476.05 654.50 Td (headcount-related ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 91.65 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.97 640.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 142.30 640.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 183.95 640.10 Td (on ) Tj ET Q q 0 0 0 rg BT 198.95 640.10 Td (foreclosure-related ) Tj ET Q q 0 0 0 rg BT 292.55 640.10 Td (matters.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 601.70 Td (Key Metrics and Business Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 592.74 Td (\(All comparisons refer to the prior-year quarter except as noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 570.31 cm /I27 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 572.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 153.59 572.90 Td (originations ) Tj ET Q q 0 0 0 rg BT 213.85 572.90 Td (were ) Tj ET Q q 0 0 0 rg BT 240.10 572.90 Td ($23.0 ) Tj ET Q q 0 0 0 rg BT 270.04 572.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 307.31 572.90 Td (down ) Tj ET Q q 0 0 0 rg BT 336.91 572.90 Td (1% ) Tj ET Q q 0 0 0 rg BT 355.84 572.90 Td (from ) Tj ET Q q 0 0 0 rg BT 382.10 572.90 Td (the ) Tj ET Q q 0 0 0 rg BT 399.70 572.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 425.96 572.90 Td (year ) Tj ET Q q 0 0 0 rg BT 449.54 572.90 Td (and ) Tj ET Q q 0 0 0 rg BT 469.81 572.90 Td (up ) Tj ET Q q 0 0 0 rg BT 484.74 572.90 Td (8% ) Tj ET Q q 0 0 0 rg BT 503.67 572.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 558.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 558.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 558.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 558.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 541.51 cm /I28 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 544.10 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.42 544.10 Td (total ) Tj ET Q q 0 0 0 rg BT 183.51 544.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 237.60 544.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 285.68 544.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 313.78 544.10 Td (serviced ) Tj ET Q q 0 0 0 rg BT 356.52 544.10 Td (were ) Tj ET Q q 0 0 0 rg BT 382.61 544.10 Td ($751.5 ) Tj ET Q q 0 0 0 rg BT 418.37 544.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 455.48 544.10 Td (down ) Tj ET Q q 0 0 0 rg BT 484.91 544.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 503.67 544.10 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 529.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 529.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 529.70 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 529.70 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 529.70 Td (down ) Tj ET Q q 0 0 0 rg BT 221.63 529.70 Td (2% ) Tj ET Q q 0 0 0 rg BT 240.62 529.70 Td (from ) Tj ET Q q 0 0 0 rg BT 266.95 529.70 Td (the ) Tj ET Q q 0 0 0 rg BT 284.61 529.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 310.94 529.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 344.25 529.70 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 503.30 Td (Real ) Tj ET Q q 0 0 0 rg BT 75.92 503.30 Td (Estate ) Tj ET Q q 0 0 0 rg BT 109.85 503.30 Td (Portfolios) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 158.52 503.30 Td ( ) Tj ET Q q 0 0 0 rg BT 161.78 503.30 Td (pretax ) Tj ET Q q 0 0 0 rg BT 195.02 503.30 Td (income ) Tj ET Q q 0 0 0 rg BT 233.60 503.30 Td (was ) Tj ET Q q 0 0 0 rg BT 255.52 503.30 Td ($339 ) Tj ET Q q 0 0 0 rg BT 282.78 503.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 323.71 503.30 Td (down ) Tj ET Q q 0 0 0 rg BT 353.63 503.30 Td ($918million ) Tj ET Q q 0 0 0 rg BT 418.56 503.30 Td (from ) Tj ET Q q 0 0 0 rg BT 445.15 503.30 Td (the ) Tj ET Q q 0 0 0 rg BT 463.07 503.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 489.65 503.30 Td (year) Tj ET Q q 0 0 0 rg BT 509.82 503.30 Td (, ) Tj ET Q q 0 0 0 rg BT 516.08 503.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.00 503.30 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 488.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.66 488.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 131.99 488.90 Td (for ) Tj ET Q q 0 0 0 rg BT 148.98 488.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 179.30 488.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 210.97 488.90 Td (and ) Tj ET Q q 0 0 0 rg BT 231.29 488.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 261.62 488.90 Td (net ) Tj ET Q q 0 0 0 rg BT 279.28 488.90 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 323.25 488.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 366.24 488.90 Td (of) Tj ET Q q 0 0 0 rg BT 376.02 488.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 396.34 488.90 Td (by ) Tj ET Q q 0 0 0 rg BT 411.34 488.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 441.66 488.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 497.98 488.90 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 468.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.46 468.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.57 468.50 Td (was ) Tj ET Q q 0 0 0 rg BT 133.37 468.50 Td ($714 ) Tj ET Q q 0 0 0 rg BT 160.51 468.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 201.31 468.50 Td (a ) Tj ET Q q 0 0 0 rg BT 209.78 468.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 254.21 468.50 Td (of ) Tj ET Q q 0 0 0 rg BT 267.34 468.50 Td ($171 ) Tj ET Q q 0 0 0 rg BT 294.48 468.50 Td (million ) Tj ET Q q 0 0 0 rg BT 332.28 468.50 Td (from ) Tj ET Q q 0 0 0 rg BT 358.75 468.50 Td (the ) Tj ET Q q 0 0 0 rg BT 376.54 468.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 403.01 468.50 Td (year) Tj ET Q q 0 0 0 rg BT 423.17 468.50 Td (, ) Tj ET Q q 0 0 0 rg BT 429.31 468.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 463.10 468.50 Td (by ) Tj ET Q q 0 0 0 rg BT 478.24 468.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 508.70 468.50 Td (noninterest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 91.32 454.10 Td (due ) Tj ET Q q 0 0 0 rg BT 111.99 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.67 454.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 158.67 454.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 182.67 454.10 Td (retention, ) Tj ET Q q 0 0 0 rg BT 231.67 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.34 454.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 283.00 454.10 Td (net ) Tj ET Q q 0 0 0 rg BT 301.01 454.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 339.67 454.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 381.34 454.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 402.01 454.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 440.67 454.10 Td (income ) Tj ET Q q 0 0 0 rg BT 479.34 454.10 Td (was ) Tj ET Q q 0 0 0 rg BT 501.34 454.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 532.01 454.10 Td (due ) Tj ET Q q 0 0 0 rg BT 552.68 454.10 Td (to ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 439.70 Td (spread ) Tj ET Q q 0 0 0 rg BT 84.32 439.70 Td (compression ) Tj ET Q q 0 0 0 rg BT 147.97 439.70 Td (and ) Tj ET Q q 0 0 0 rg BT 168.30 439.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 198.62 439.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 222.28 439.70 Td (balances ) Tj ET Q q 0 0 0 rg BT 266.59 439.70 Td (due ) Tj ET Q q 0 0 0 rg BT 286.92 439.70 Td (to ) Tj ET Q q 0 0 0 rg BT 299.25 439.70 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 344.25 439.70 Td (runof) Tj ET Q q 0 0 0 rg BT 370.02 439.70 Td (f.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 419.30 Td (The ) Tj ET Q q 0 0 0 rg BT 71.87 419.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 120.42 419.30 Td (for ) Tj ET Q q 0 0 0 rg BT 137.63 419.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.17 419.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 200.05 419.30 Td (was ) Tj ET Q q 0 0 0 rg BT 221.93 419.30 Td ($1) Tj ET Q q 0 0 0 rg BT 233.49 419.30 Td (1 ) Tj ET Q q 0 0 0 rg BT 242.70 419.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 283.59 419.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 334.12 419.30 Td (with ) Tj ET Q q 0 0 0 rg BT 358.67 419.30 Td (a ) Tj ET Q q 0 0 0 rg BT 367.21 419.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 403.74 419.30 Td (of ) Tj ET Q q 0 0 0 rg BT 416.96 419.30 Td ($783 ) Tj ET Q q 0 0 0 rg BT 444.17 419.30 Td (million ) Tj ET Q q 0 0 0 rg BT 482.06 419.30 Td (in ) Tj ET Q q 0 0 0 rg BT 494.61 419.30 Td (the ) Tj ET Q q 0 0 0 rg BT 512.49 419.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.03 419.30 Td (year) Tj ET Q q 0 0 0 rg BT 559.02 419.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 404.90 Td (The ) Tj ET Q q 0 0 0 rg BT 72.21 404.90 Td (current-quarter ) Tj ET Q q 0 0 0 rg BT 147.72 404.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 196.60 404.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 242.12 404.90 Td (a ) Tj ET Q q 0 0 0 rg BT 251.00 404.90 Td ($100 ) Tj ET Q q 0 0 0 rg BT 278.56 404.90 Td (million ) Tj ET Q q 0 0 0 rg BT 316.78 404.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 365.65 404.90 Td (in ) Tj ET Q q 0 0 0 rg BT 378.54 404.90 Td (the ) Tj ET Q q 0 0 0 rg BT 396.75 404.90 Td (non ) Tj ET Q q 0 0 0 rg BT 418.31 404.90 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 495.82 404.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 548.01 404.90 Td (for ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 390.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 73.99 390.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 108.99 390.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 158.30 390.50 Td (continued ) Tj ET Q q 0 0 0 rg BT 208.95 390.50 Td (improvement ) Tj ET Q q 0 0 0 rg BT 276.26 390.50 Td (in ) Tj ET Q q 0 0 0 rg BT 288.93 390.50 Td (home ) Tj ET Q q 0 0 0 rg BT 318.92 390.50 Td (prices ) Tj ET Q q 0 0 0 rg BT 350.90 390.50 Td (and ) Tj ET Q q 0 0 0 rg BT 371.56 390.50 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 443.63 390.50 Td (The ) Tj ET Q q 0 0 0 rg BT 465.61 390.50 Td (prior) Tj ET Q q 0 0 0 rg BT 488.70 390.50 Td (-year ) Tj ET Q q 0 0 0 rg BT 516.68 390.50 Td (provision ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (included ) Tj ET Q q 0 0 0 rg BT 95.06 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 104.13 376.10 Td ($750 ) Tj ET Q q 0 0 0 rg BT 131.88 376.10 Td (million ) Tj ET Q q 0 0 0 rg BT 170.29 376.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 219.35 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.43 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.84 376.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 303.22 376.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 380.93 376.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 433.31 376.10 Td (for ) Tj ET Q q 0 0 0 rg BT 451.05 376.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 475.46 376.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 507.87 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.94 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 538.01 376.10 Td ($200 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 361.70 Td (million ) Tj ET Q q 0 0 0 rg BT 87.94 361.70 Td (reduction ) Tj ET Q q 0 0 0 rg BT 136.52 361.70 Td (in ) Tj ET Q q 0 0 0 rg BT 149.12 361.70 Td (the ) Tj ET Q q 0 0 0 rg BT 167.05 361.70 Td (non ) Tj ET Q q 0 0 0 rg BT 188.32 361.70 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 265.55 361.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 317.46 361.70 Td (for ) Tj ET Q q 0 0 0 rg BT 334.72 361.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 358.65 361.70 Td (losses. ) Tj ET Q q 0 0 0 rg BT 393.58 361.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 414.18 361.70 Td (char) Tj ET Q q 0 0 0 rg BT 434.61 361.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 459.71 361.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 471.65 361.70 Td (were ) Tj ET Q q 0 0 0 rg BT 498.23 361.70 Td ($1) Tj ET Q q 0 0 0 rg BT 509.78 361.70 Td (1) Tj ET Q q 0 0 0 rg BT 515.34 361.70 Td (1million, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 347.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.31 347.30 Td (with ) Tj ET Q q 0 0 0 rg BT 124.64 347.30 Td ($167 ) Tj ET Q q 0 0 0 rg BT 151.64 347.30 Td (million ) Tj ET Q q 0 0 0 rg BT 189.31 347.30 Td (in ) Tj ET Q q 0 0 0 rg BT 201.65 347.30 Td (the ) Tj ET Q q 0 0 0 rg BT 219.31 347.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 245.63 347.30 Td (year) Tj ET Q q 0 0 0 rg BT 265.62 347.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 326.90 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 109.81 326.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 152.29 326.90 Td (was ) Tj ET Q q 0 0 0 rg BT 174.78 326.90 Td ($364 ) Tj ET Q q 0 0 0 rg BT 202.61 326.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 244.10 326.90 Td (a ) Tj ET Q q 0 0 0 rg BT 253.26 326.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 298.38 326.90 Td (of ) Tj ET Q q 0 0 0 rg BT 312.21 326.90 Td ($47million, ) Tj ET Q q 0 0 0 rg BT 374.70 326.90 Td (or ) Tj ET Q q 0 0 0 rg BT 388.53 326.90 Td (1) Tj ET Q q 0 0 0 rg BT 394.08 326.90 Td (1%, ) Tj ET Q q 0 0 0 rg BT 416.91 326.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 468.04 326.90 Td (with ) Tj ET Q q 0 0 0 rg BT 493.20 326.90 Td (the ) Tj ET Q q 0 0 0 rg BT 511.69 326.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.85 326.90 Td (year) Tj ET Q q 0 0 0 rg BT 559.01 326.90 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 312.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 83.66 312.50 Td (by ) Tj ET Q q 0 0 0 rg BT 98.66 312.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 128.98 312.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 175.96 312.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 217.61 312.50 Td (on ) Tj ET Q q 0 0 0 rg BT 232.61 312.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 262.94 312.50 Td (default ) Tj ET Q q 0 0 0 rg BT 299.25 312.50 Td (volumes ) Tj ET Q q 0 0 0 rg BT 342.92 312.50 Td (and ) Tj ET Q q 0 0 0 rg BT 363.24 312.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 393.56 312.50 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 446.54 312.50 Td (asset ) Tj ET Q q 0 0 0 rg BT 472.87 312.50 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 271.70 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 271.70 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 271.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 271.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 271.70 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 262.74 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 262.74 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 262.74 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 262.74 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 262.74 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 262.74 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 262.74 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 262.74 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 262.74 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 262.74 Td (noted. ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 257.02 262.74 Td (A) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 261.65 262.74 Td (verage ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 284.81 262.74 Td (loans ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 304.10 262.74 Td (include ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 329.88 262.74 Td (PCI ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 344.83 262.74 Td (loans\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 240.31 cm /I29 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 242.90 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 242.90 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 153.30 242.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 196.62 242.90 Td (return ) Tj ET Q q 0 0 0 rg BT 227.92 242.90 Td (on ) Tj ET Q q 0 0 0 rg BT 242.57 242.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 275.22 242.90 Td (was ) Tj ET Q q 0 0 0 rg BT 296.53 242.90 Td (7% ) Tj ET Q q 0 0 0 rg BT 315.18 242.90 Td (on ) Tj ET Q q 0 0 0 rg BT 329.83 242.90 Td ($18.0 ) Tj ET Q q 0 0 0 rg BT 359.48 242.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 393.47 242.90 Td (of ) Tj ET Q q 0 0 0 rg BT 406.12 242.90 Td (average ) Tj ET Q q 0 0 0 rg BT 446.07 242.90 Td (allocated ) Tj ET Q q 0 0 0 rg BT 492.03 242.90 Td (capital. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 225.91 cm /I30 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 228.50 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 228.50 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 228.50 Td (home ) Tj ET Q q 0 0 0 rg BT 176.41 228.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 209.40 228.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.73 228.50 Td (were ) Tj ET Q q 0 0 0 rg BT 264.05 228.50 Td ($69.1 ) Tj ET Q q 0 0 0 rg BT 294.05 228.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 331.38 228.50 Td (down ) Tj ET Q q 0 0 0 rg BT 361.05 228.50 Td ($8.9 ) Tj ET Q q 0 0 0 rg BT 385.05 228.50 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 211.51 cm /I31 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 214.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 214.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 214.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 195.07 214.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.40 214.10 Td (were ) Tj ET Q q 0 0 0 rg BT 249.71 214.10 Td ($98.9 ) Tj ET Q q 0 0 0 rg BT 279.71 214.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 317.05 214.10 Td (up ) Tj ET Q q 0 0 0 rg BT 332.05 214.10 Td ($8.1 ) Tj ET Q q 0 0 0 rg BT 356.05 214.10 Td (billion. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 197.11 cm /I32 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 199.70 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 158.98 199.70 Td (for ) Tj ET Q q 0 0 0 rg BT 175.97 199.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.63 199.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 231.30 199.70 Td (was ) Tj ET Q q 0 0 0 rg BT 252.96 199.70 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 276.96 199.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 314.30 199.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 364.61 199.70 Td (with ) Tj ET Q q 0 0 0 rg BT 388.94 199.70 Td ($6.7 ) Tj ET Q q 0 0 0 rg BT 412.94 199.70 Td (billion.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 182.71 cm /I33 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 185.30 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 159.97 185.30 Td (for ) Tj ET Q q 0 0 0 rg BT 177.95 185.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 202.59 185.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 235.25 185.30 Td (to ) Tj ET Q q 0 0 0 rg BT 248.57 185.30 Td (ending ) Tj ET Q q 0 0 0 rg BT 285.22 185.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.54 185.30 Td (retained, ) Tj ET Q q 0 0 0 rg BT 360.17 185.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 411.47 185.30 Td (PCI ) Tj ET Q q 0 0 0 rg BT 434.13 185.30 Td (loans) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 459.46 190.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 463.36 185.30 Td (, ) Tj ET Q q 0 0 0 rg BT 470.35 185.30 Td (was ) Tj ET Q q 0 0 0 rg BT 493.00 185.30 Td (1.76%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 170.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 170.90 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 170.90 Td (2.23%.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 153.91 cm /I34 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 156.50 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 159.05 156.50 Td (for ) Tj ET Q q 0 0 0 rg BT 176.12 156.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.85 156.50 Td (losses, ) Tj ET Q q 0 0 0 rg BT 234.59 156.50 Td (excluding ) Tj ET Q q 0 0 0 rg BT 284.99 156.50 Td (PCI ) Tj ET Q q 0 0 0 rg BT 306.73 156.50 Td (loans) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 332.06 161.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 335.96 156.50 Td (, ) Tj ET Q q 0 0 0 rg BT 342.04 156.50 Td (to ) Tj ET Q q 0 0 0 rg BT 354.44 156.50 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 410.15 156.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.56 156.50 Td (retained ) Tj ET Q q 0 0 0 rg BT 480.27 156.50 Td (was ) Tj ET Q q 0 0 0 rg BT 502.01 156.50 Td (41%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 142.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 154.31 142.10 Td (with ) Tj ET Q q 0 0 0 rg BT 178.64 142.10 Td (40%.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 107.30 Td (Card, ) Tj ET Q q 0 0 0 rg BT 81.79 107.30 Td (Mer) Tj ET Q q 0 0 0 rg BT 103.55 107.30 Td (chant ) Tj ET Q q 0 0 0 rg BT 134.35 107.30 Td (Services ) Tj ET Q q 0 0 0 rg BT 178.46 107.30 Td (& ) Tj ET Q q 0 0 0 rg BT 190.11 107.30 Td (Auto) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 215.45 107.30 Td ( ) Tj ET Q q 0 0 0 rg BT 217.58 107.30 Td (net ) Tj ET Q q 0 0 0 rg BT 234.36 107.30 Td (income ) Tj ET Q q 0 0 0 rg BT 271.81 107.30 Td (was ) Tj ET Q q 0 0 0 rg BT 292.60 107.30 Td ($980 ) Tj ET Q q 0 0 0 rg BT 318.73 107.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 358.52 107.30 Td (a ) Tj ET Q q 0 0 0 rg BT 365.98 107.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 409.40 107.30 Td (of ) Tj ET Q q 0 0 0 rg BT 421.52 107.30 Td ($79 ) Tj ET Q q 0 0 0 rg BT 441.65 107.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 481.45 107.30 Td (or ) Tj ET Q q 0 0 0 rg BT 493.57 107.30 Td (7%, ) Tj ET Q q 0 0 0 rg BT 514.69 107.30 Td (compared ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 92.90 Td (with ) Tj ET Q q 0 0 0 rg BT 74.95 92.90 Td (the ) Tj ET Q q 0 0 0 rg BT 93.23 92.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 120.17 92.90 Td (year) Tj ET Q q 0 0 0 rg BT 140.34 92.90 Td (, ) Tj ET Q q 0 0 0 rg BT 146.96 92.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 181.24 92.90 Td (by ) Tj ET Q q 0 0 0 rg BT 196.85 92.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 227.79 92.90 Td (net ) Tj ET Q q 0 0 0 rg BT 246.07 92.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 287.67 92.90 Td (and ) Tj ET Q q 0 0 0 rg BT 308.61 92.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 342.88 92.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 391.84 92.90 Td (for ) Tj ET Q q 0 0 0 rg BT 409.45 92.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 440.38 92.90 Td (losses, ) Tj ET Q q 0 0 0 rg BT 475.67 92.90 Td (partially ) Tj ET Q q 0 0 0 rg BT 519.27 92.90 Td (of) Tj ET Q q 0 0 0 rg BT 529.05 92.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 550.00 92.90 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 78.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.32 78.50 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 136.64 78.50 Td (expense.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.18 740.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.00 740.70 Td (was ) Tj ET Q q 0 0 0 rg BT 132.51 740.70 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 156.36 740.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.54 740.70 Td (down ) Tj ET Q q 0 0 0 rg BT 223.06 740.70 Td ($201 ) Tj ET Q q 0 0 0 rg BT 249.91 740.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 290.43 740.70 Td (or ) Tj ET Q q 0 0 0 rg BT 303.27 740.70 Td (4%, ) Tj ET Q q 0 0 0 rg BT 325.12 740.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 375.28 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 399.46 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 416.97 740.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 443.14 740.70 Td (year ) Tj ET Q q 0 0 0 rg BT 466.64 740.70 Td (due ) Tj ET Q q 0 0 0 rg BT 486.82 740.70 Td (to ) Tj ET Q q 0 0 0 rg BT 499.00 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 516.51 740.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 552.01 740.70 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (non-core ) Tj ET Q q 0 0 0 rg BT 95.47 726.30 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 140.30 726.30 Td (exits. ) Tj ET Q q 0 0 0 rg BT 168.79 726.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 188.95 726.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 227.10 726.30 Td (income ) Tj ET Q q 0 0 0 rg BT 265.25 726.30 Td (was ) Tj ET Q q 0 0 0 rg BT 286.74 726.30 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 310.57 726.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 347.74 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 362.57 726.30 Td ($55 ) Tj ET Q q 0 0 0 rg BT 383.40 726.30 Td (million ) Tj ET Q q 0 0 0 rg BT 420.90 726.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 471.04 726.30 Td (with ) Tj ET Q q 0 0 0 rg BT 495.20 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 512.69 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 538.85 726.30 Td (year) Tj ET Q q 0 0 0 rg BT 559.02 726.30 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 83.68 711.90 Td (by ) Tj ET Q q 0 0 0 rg BT 98.70 711.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 132.37 711.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 156.05 711.90 Td (balances ) Tj ET Q q 0 0 0 rg BT 200.38 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 220.73 711.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 251.07 711.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 292.07 711.90 Td (reversals ) Tj ET Q q 0 0 0 rg BT 337.73 711.90 Td (associated ) Tj ET Q q 0 0 0 rg BT 390.07 711.90 Td (with ) Tj ET Q q 0 0 0 rg BT 414.42 711.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 444.76 711.90 Td (net ) Tj ET Q q 0 0 0 rg BT 462.44 711.90 Td (char) Tj ET Q q 0 0 0 rg BT 482.88 711.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 507.98 711.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 519.66 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 532.02 711.90 Td (Credit ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (Card, ) Tj ET Q q 0 0 0 rg BT 81.34 697.50 Td (lar) Tj ET Q q 0 0 0 rg BT 93.78 697.50 Td (gely ) Tj ET Q q 0 0 0 rg BT 119.46 697.50 Td (of) Tj ET Q q 0 0 0 rg BT 129.24 697.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 151.58 697.50 Td (by ) Tj ET Q q 0 0 0 rg BT 168.59 697.50 Td (spread ) Tj ET Q q 0 0 0 rg BT 204.93 697.50 Td (compression. ) Tj ET Q q 0 0 0 rg BT 273.60 697.50 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 334.60 697.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 377.59 697.50 Td (was ) Tj ET Q q 0 0 0 rg BT 401.27 697.50 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 427.28 697.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 466.63 697.50 Td (down ) Tj ET Q q 0 0 0 rg BT 498.31 697.50 Td ($256 ) Tj ET Q q 0 0 0 rg BT 527.33 697.50 Td (million ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.56 683.10 Td (with ) Tj ET Q q 0 0 0 rg BT 125.16 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.07 683.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 169.65 683.10 Td (year; ) Tj ET Q q 0 0 0 rg BT 196.89 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.81 683.10 Td (variance ) Tj ET Q q 0 0 0 rg BT 258.70 683.10 Td (was ) Tj ET Q q 0 0 0 rg BT 280.62 683.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 314.53 683.10 Td (by ) Tj ET Q q 0 0 0 rg BT 329.79 683.10 Td (non-core ) Tj ET Q q 0 0 0 rg BT 375.69 683.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 420.94 683.10 Td (exits ) Tj ET Q q 0 0 0 rg BT 446.86 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.44 683.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 501.35 683.10 Td (amortization ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (of ) Tj ET Q q 0 0 0 rg BT 62.71 668.70 Td (new ) Tj ET Q q 0 0 0 rg BT 85.41 668.70 Td (account ) Tj ET Q q 0 0 0 rg BT 125.44 668.70 Td (origination ) Tj ET Q q 0 0 0 rg BT 180.81 668.70 Td (costs, ) Tj ET Q q 0 0 0 rg BT 210.52 668.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 253.22 668.70 Td (of) Tj ET Q q 0 0 0 rg BT 263.00 668.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 283.04 668.70 Td (by ) Tj ET Q q 0 0 0 rg BT 297.75 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 315.13 668.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 351.15 668.70 Td (of ) Tj ET Q q 0 0 0 rg BT 363.86 668.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 397.23 668.70 Td (net ) Tj ET Q q 0 0 0 rg BT 414.61 668.70 Td (interchange ) Tj ET Q q 0 0 0 rg BT 473.29 668.70 Td (income ) Tj ET Q q 0 0 0 rg BT 511.32 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 531.36 668.70 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 654.30 Td (Auto ) Tj ET Q q 0 0 0 rg BT 77.00 654.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 103.98 654.30 Td (income.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 633.90 Td (The ) Tj ET Q q 0 0 0 rg BT 71.22 633.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.12 633.90 Td (for ) Tj ET Q q 0 0 0 rg BT 135.68 633.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 165.56 633.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 196.80 633.90 Td (was ) Tj ET Q q 0 0 0 rg BT 218.03 633.90 Td ($849 ) Tj ET Q q 0 0 0 rg BT 244.60 633.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 284.83 633.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 334.71 633.90 Td (with ) Tj ET Q q 0 0 0 rg BT 358.61 633.90 Td ($746 ) Tj ET Q q 0 0 0 rg BT 385.17 633.90 Td (million ) Tj ET Q q 0 0 0 rg BT 422.41 633.90 Td (in ) Tj ET Q q 0 0 0 rg BT 434.31 633.90 Td (the ) Tj ET Q q 0 0 0 rg BT 451.54 633.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 477.43 633.90 Td (year) Tj ET Q q 0 0 0 rg BT 497.42 633.90 Td (. ) Tj ET Q q 0 0 0 rg BT 502.80 633.90 Td (The ) Tj ET Q q 0 0 0 rg BT 524.02 633.90 Td (current-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 619.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 85.91 619.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 133.17 619.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 177.07 619.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 206.32 619.50 Td (net ) Tj ET Q q 0 0 0 rg BT 222.91 619.50 Td (char) Tj ET Q q 0 0 0 rg BT 243.34 619.50 Td (ge-of) Tj ET Q q 0 0 0 rg BT 268.45 619.50 Td (fs ) Tj ET Q q 0 0 0 rg BT 279.04 619.50 Td (and ) Tj ET Q q 0 0 0 rg BT 298.30 619.50 Td (a ) Tj ET Q q 0 0 0 rg BT 305.56 619.50 Td ($150million ) Tj ET Q q 0 0 0 rg BT 369.16 619.50 Td (reduction ) Tj ET Q q 0 0 0 rg BT 416.40 619.50 Td (in ) Tj ET Q q 0 0 0 rg BT 427.67 619.50 Td (the ) Tj ET Q q 0 0 0 rg BT 444.26 619.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 494.83 619.50 Td (for ) Tj ET Q q 0 0 0 rg BT 510.75 619.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 533.34 619.50 Td (losses ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (in ) Tj ET Q q 0 0 0 rg BT 62.31 605.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.28 605.10 Td (Card. ) Tj ET Q q 0 0 0 rg BT 124.37 605.10 Td (The ) Tj ET Q q 0 0 0 rg BT 146.00 605.10 Td (prior) Tj ET Q q 0 0 0 rg BT 169.09 605.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 196.71 605.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 245.02 605.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 289.96 605.10 Td (a ) Tj ET Q q 0 0 0 rg BT 298.26 605.10 Td ($300 ) Tj ET Q q 0 0 0 rg BT 325.24 605.10 Td (million ) Tj ET Q q 0 0 0 rg BT 362.89 605.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 411.18 605.10 Td (in ) Tj ET Q q 0 0 0 rg BT 423.49 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.13 605.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 492.74 605.10 Td (for ) Tj ET Q q 0 0 0 rg BT 509.71 605.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 533.35 605.10 Td (losses ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 590.70 Td (in ) Tj ET Q q 0 0 0 rg BT 61.56 590.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 93.78 590.70 Td (Card. ) Tj ET Q q 0 0 0 rg BT 122.18 590.70 Td (The ) Tj ET Q q 0 0 0 rg BT 143.06 590.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 175.28 590.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 200.84 590.70 Td (net ) Tj ET Q q 0 0 0 rg BT 217.73 590.70 Td (char) Tj ET Q q 0 0 0 rg BT 238.16 590.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 263.26 590.70 Td (f ) Tj ET Q q 0 0 0 rg BT 269.48 590.70 Td (rate ) Tj ET Q q 0 0 0 rg BT 289.69 590.70 Td (was ) Tj ET Q q 0 0 0 rg BT 310.58 590.70 Td (2.69%, ) Tj ET Q q 0 0 0 rg BT 346.81 590.70 Td (down ) Tj ET Q q 0 0 0 rg BT 375.70 590.70 Td (from ) Tj ET Q q 0 0 0 rg BT 401.26 590.70 Td (2.86% ) Tj ET Q q 0 0 0 rg BT 434.48 590.70 Td (in ) Tj ET Q q 0 0 0 rg BT 446.04 590.70 Td (the ) Tj ET Q q 0 0 0 rg BT 462.93 590.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 488.48 590.70 Td (year; ) Tj ET Q q 0 0 0 rg BT 514.70 590.70 Td (excluding ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 576.30 Td (non-core ) Tj ET Q q 0 0 0 rg BT 94.46 576.30 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 138.26 576.30 Td (exits, ) Tj ET Q q 0 0 0 rg BT 165.74 576.30 Td (the ) Tj ET Q q 0 0 0 rg BT 182.21 576.30 Td (Credit ) Tj ET Q q 0 0 0 rg BT 214.02 576.30 Td (Card ) Tj ET Q q 0 0 0 rg BT 239.16 576.30 Td (net ) Tj ET Q q 0 0 0 rg BT 255.63 576.30 Td (char) Tj ET Q q 0 0 0 rg BT 276.06 576.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 301.16 576.30 Td (f ) Tj ET Q q 0 0 0 rg BT 306.97 576.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 326.76 576.30 Td (would ) Tj ET Q q 0 0 0 rg BT 358.58 576.30 Td (have ) Tj ET Q q 0 0 0 rg BT 383.04 576.30 Td (been ) Tj ET Q q 0 0 0 rg BT 407.50 576.30 Td (2.48%. ) Tj ET Q q 0 0 0 rg BT 443.18 576.30 Td (The ) Tj ET Q q 0 0 0 rg BT 463.65 576.30 Td (30+ ) Tj ET Q q 0 0 0 rg BT 484.23 576.30 Td (day ) Tj ET Q q 0 0 0 rg BT 503.37 576.30 Td (delinquency ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 561.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 70.46 561.90 Td (was ) Tj ET Q q 0 0 0 rg BT 91.59 561.90 Td (1.44%, ) Tj ET Q q 0 0 0 rg BT 128.06 561.90 Td (down ) Tj ET Q q 0 0 0 rg BT 157.20 561.90 Td (from ) Tj ET Q q 0 0 0 rg BT 183.00 561.90 Td (1.67% ) Tj ET Q q 0 0 0 rg BT 216.46 561.90 Td (in ) Tj ET Q q 0 0 0 rg BT 228.27 561.90 Td (the ) Tj ET Q q 0 0 0 rg BT 245.40 561.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 271.20 561.90 Td (year) Tj ET Q q 0 0 0 rg BT 291.19 561.90 Td (. ) Tj ET Q q 0 0 0 rg BT 296.48 561.90 Td (The ) Tj ET Q q 0 0 0 rg BT 317.07 561.90 Td (Auto ) Tj ET Q q 0 0 0 rg BT 343.54 561.90 Td (net ) Tj ET Q q 0 0 0 rg BT 360.67 561.90 Td (char) Tj ET Q q 0 0 0 rg BT 381.10 561.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 406.21 561.90 Td (f ) Tj ET Q q 0 0 0 rg BT 412.67 561.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 433.13 561.90 Td (was ) Tj ET Q q 0 0 0 rg BT 454.26 561.90 Td (0.45%, ) Tj ET Q q 0 0 0 rg BT 490.73 561.90 Td (up ) Tj ET Q q 0 0 0 rg BT 505.21 561.90 Td (from ) Tj ET Q q 0 0 0 rg BT 531.00 561.90 Td (0.39% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 547.50 Td (in ) Tj ET Q q 0 0 0 rg BT 62.33 547.50 Td (the ) Tj ET Q q 0 0 0 rg BT 79.99 547.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 106.32 547.50 Td (year) Tj ET Q q 0 0 0 rg BT 126.31 547.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 527.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 110.46 527.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 153.58 527.10 Td (was ) Tj ET Q q 0 0 0 rg BT 176.72 527.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 202.19 527.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 241.00 527.10 Td (down ) Tj ET Q q 0 0 0 rg BT 272.14 527.10 Td ($141 ) Tj ET Q q 0 0 0 rg BT 300.61 527.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 342.76 527.10 Td (or ) Tj ET Q q 0 0 0 rg BT 357.23 527.10 Td (6%, ) Tj ET Q q 0 0 0 rg BT 380.70 527.10 Td (from ) Tj ET Q q 0 0 0 rg BT 408.50 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.63 527.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 455.43 527.10 Td (year) Tj ET Q q 0 0 0 rg BT 475.60 527.10 Td (, ) Tj ET Q q 0 0 0 rg BT 483.07 527.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 518.20 527.10 Td (by ) Tj ET Q q 0 0 0 rg BT 534.68 527.10 Td (lower ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 512.70 Td (remediation ) Tj ET Q q 0 0 0 rg BT 110.21 512.70 Td (costs ) Tj ET Q q 0 0 0 rg BT 137.11 512.70 Td (and ) Tj ET Q q 0 0 0 rg BT 157.34 512.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 187.56 512.70 Td (marketing ) Tj ET Q q 0 0 0 rg BT 239.11 512.70 Td (expense, ) Tj ET Q q 0 0 0 rg BT 283.66 512.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 326.54 512.70 Td (of) Tj ET Q q 0 0 0 rg BT 336.32 512.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 356.55 512.70 Td (by ) Tj ET Q q 0 0 0 rg BT 371.45 512.70 Td (higher ) Tj ET Q q 0 0 0 rg BT 404.37 512.70 Td (Auto ) Tj ET Q q 0 0 0 rg BT 431.27 512.70 Td (lease ) Tj ET Q q 0 0 0 rg BT 458.15 512.70 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 520.35 512.70 Td (expense.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 471.90 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 471.90 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 471.90 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 471.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 471.90 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 462.94 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 462.94 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 462.94 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 462.94 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 462.94 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 462.94 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 462.94 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 462.94 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 462.94 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 462.94 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 440.51 cm /I35 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 443.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 443.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 443.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 443.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 443.10 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 443.10 Td (20% ) Tj ET Q q 0 0 0 rg BT 234.31 443.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.31 443.10 Td ($19.0 ) Tj ET Q q 0 0 0 rg BT 279.31 443.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 313.65 443.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 443.10 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 443.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 443.10 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 426.11 cm /I36 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 428.70 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.00 428.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 149.32 428.70 Td (card ) Tj ET Q q 0 0 0 rg BT 172.96 428.70 Td (issuer ) Tj ET Q q 0 0 0 rg BT 203.96 428.70 Td (in ) Tj ET Q q 0 0 0 rg BT 216.29 428.70 Td (the ) Tj ET Q q 0 0 0 rg BT 233.96 428.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 258.29 428.70 Td (based ) Tj ET Q q 0 0 0 rg BT 288.62 428.70 Td (on ) Tj ET Q q 0 0 0 rg BT 303.62 428.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 331.95 428.70 Td (outstanding) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 387.95 434.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 391.84 428.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 411.71 cm /I37 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 414.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.00 414.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 143.34 414.30 Td (co-brand ) Tj ET Q q 0 0 0 rg BT 188.98 414.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 219.30 414.30 Td (card ) Tj ET Q q 0 0 0 rg BT 242.95 414.30 Td (issuer) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 270.95 419.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 274.84 414.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 397.31 cm /I38 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 399.90 Td (#1 ) Tj ET Q q 0 0 0 rg BT 119.00 399.90 Td (global ) Tj ET Q q 0 0 0 rg BT 151.78 399.90 Td (V) Tj ET Q q 0 0 0 rg BT 159.72 399.90 Td (isa ) Tj ET Q q 0 0 0 rg BT 176.05 399.90 Td (issuer) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 204.05 405.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 207.95 399.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 382.91 cm /I39 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 385.50 Td (Chase ) Tj ET Q q 0 0 0 rg BT 135.26 385.50 Td (cardholders ) Tj ET Q q 0 0 0 rg BT 193.17 385.50 Td (accounted ) Tj ET Q q 0 0 0 rg BT 243.74 385.50 Td (for ) Tj ET Q q 0 0 0 rg BT 259.66 385.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 330.90 385.50 Td (21% ) Tj ET Q q 0 0 0 rg BT 354.83 385.50 Td (of ) Tj ET Q q 0 0 0 rg BT 366.76 385.50 Td (total ) Tj ET Q q 0 0 0 rg BT 390.02 385.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 413.29 385.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 442.54 385.50 Td (purchase ) Tj ET Q q 0 0 0 rg BT 487.12 385.50 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 523.11 390.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 368.51 cm /I40 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 371.10 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.31 371.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 191.95 371.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 217.93 371.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 241.24 371.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 285.21 371.10 Td (were ) Tj ET Q q 0 0 0 rg BT 311.17 371.10 Td ($131.0 ) Tj ET Q q 0 0 0 rg BT 346.83 371.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 383.81 371.10 Td (up ) Tj ET Q q 0 0 0 rg BT 398.47 371.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 417.12 371.10 Td (from ) Tj ET Q q 0 0 0 rg BT 443.10 371.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.41 371.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.39 371.10 Td (year ) Tj ET Q q 0 0 0 rg BT 509.69 371.10 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 356.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.67 356.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.99 356.70 Td (. ) Tj ET Q q 0 0 0 rg BT 170.33 356.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 203.67 356.70 Td (Card ) Tj ET Q q 0 0 0 rg BT 230.33 356.70 Td (average ) Tj ET Q q 0 0 0 rg BT 270.98 356.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 299.65 356.70 Td (were ) Tj ET Q q 0 0 0 rg BT 326.31 356.70 Td ($127.4 ) Tj ET Q q 0 0 0 rg BT 362.65 356.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 400.33 356.70 Td (up ) Tj ET Q q 0 0 0 rg BT 415.67 356.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 435.01 356.70 Td (from ) Tj ET Q q 0 0 0 rg BT 461.68 356.70 Td (the ) Tj ET Q q 0 0 0 rg BT 479.68 356.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 506.35 356.70 Td (year ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 342.30 Td (and ) Tj ET Q q 0 0 0 rg BT 124.33 342.30 Td (up ) Tj ET Q q 0 0 0 rg BT 139.33 342.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 158.32 342.30 Td (from ) Tj ET Q q 0 0 0 rg BT 184.65 342.30 Td (the ) Tj ET Q q 0 0 0 rg BT 202.31 342.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 228.63 342.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 261.95 342.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 325.31 cm /I41 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 327.90 Td (Card ) Tj ET Q q 0 0 0 rg BT 130.37 327.90 Td (Services ) Tj ET Q q 0 0 0 rg BT 174.08 327.90 Td (net ) Tj ET Q q 0 0 0 rg BT 191.78 327.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.81 327.90 Td (as ) Tj ET Q q 0 0 0 rg BT 245.85 327.90 Td (a ) Tj ET Q q 0 0 0 rg BT 254.23 327.90 Td (percentage ) Tj ET Q q 0 0 0 rg BT 309.23 327.90 Td (of ) Tj ET Q q 0 0 0 rg BT 322.28 327.90 Td (average ) Tj ET Q q 0 0 0 rg BT 362.63 327.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 391.01 327.90 Td (was ) Tj ET Q q 0 0 0 rg BT 412.72 327.90 Td (1) Tj ET Q q 0 0 0 rg BT 418.27 327.90 Td (1.47%, ) Tj ET Q q 0 0 0 rg BT 455.32 327.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 505.67 327.90 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 313.50 Td (12.47% ) Tj ET Q q 0 0 0 rg BT 144.00 313.50 Td (in ) Tj ET Q q 0 0 0 rg BT 156.33 313.50 Td (the ) Tj ET Q q 0 0 0 rg BT 173.99 313.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 200.32 313.50 Td (year ) Tj ET Q q 0 0 0 rg BT 223.96 313.50 Td (and ) Tj ET Q q 0 0 0 rg BT 244.29 313.50 Td (12.17% ) Tj ET Q q 0 0 0 rg BT 284.29 313.50 Td (in ) Tj ET Q q 0 0 0 rg BT 296.62 313.50 Td (the ) Tj ET Q q 0 0 0 rg BT 314.28 313.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 340.61 313.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 373.92 313.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 296.51 cm /I42 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 299.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 299.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.75 299.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 170.41 299.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 198.74 299.10 Td (were ) Tj ET Q q 0 0 0 rg BT 225.06 299.10 Td ($53.6 ) Tj ET Q q 0 0 0 rg BT 255.06 299.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 292.40 299.10 Td (up ) Tj ET Q q 0 0 0 rg BT 307.40 299.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 326.40 299.10 Td (from ) Tj ET Q q 0 0 0 rg BT 352.73 299.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.39 299.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 396.72 299.10 Td (year ) Tj ET Q q 0 0 0 rg BT 420.37 299.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.69 299.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 459.69 299.10 Td (from ) Tj ET Q q 0 0 0 rg BT 486.02 299.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.68 299.10 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 284.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 284.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 267.71 cm /I43 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 270.30 Td (#1 ) Tj ET Q q 0 0 0 rg BT 122.20 270.30 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 197.72 270.30 Td (merchant ) Tj ET Q q 0 0 0 rg BT 248.56 270.30 Td (acquirer ) Tj ET Q q 0 0 0 rg BT 294.06 270.30 Td (with ) Tj ET Q q 0 0 0 rg BT 321.59 270.30 Td (approximately ) Tj ET Q q 0 0 0 rg BT 397.10 270.30 Td (50% ) Tj ET Q q 0 0 0 rg BT 425.29 270.30 Td (of ) Tj ET Q q 0 0 0 rg BT 441.49 270.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 469.03 270.30 Td (eCommerce ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 255.90 Td (volume) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 139.99 261.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 143.89 255.90 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 227.10 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 227.10 Td (TE ) Tj ET Q q 0 0 0 rg BT 124.35 227.10 Td (& ) Tj ET Q q 0 0 0 rg BT 136.68 227.10 Td (INVESTMENT ) Tj ET Q q 0 0 0 rg BT 217.70 227.10 Td (BANK ) Tj ET Q q 0 0 0 rg BT 253.38 227.10 Td (\(CIB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 216.60000000000002 m 50.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 216.60000000000002 m 231.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 216.60000000000002 m 231.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 216.60000000000002 m 276.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 216.60000000000002 m 280.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 216.60000000000002 m 280.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 216.60000000000002 m 325.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 216.60000000000002 m 329.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 216.60000000000002 m 329.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 216.60000000000002 m 374.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 216.60000000000002 m 378.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 216.60000000000002 m 378.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 216.60000000000002 m 423.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 201.60000000000002 m 423.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 216.60000000000002 m 468.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 201.60000000000002 m 468.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 216.60000000000002 m 472.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 201.60000000000002 m 472.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 216.60000000000002 m 472.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 216.60000000000002 m 517.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 201.60000000000002 m 517.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 216.60000000000002 m 562.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 216.60000000000002 m 562.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 201.60000000000002 m 562.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 201.60000000000002 m 50.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 186.60000000000002 m 231.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 201.60000000000002 m 231.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 186.60000000000002 m 276.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 186.60000000000002 m 280.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 201.60000000000002 m 280.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 186.60000000000002 m 325.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 186.60000000000002 m 329.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 201.60000000000002 m 329.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 186.60000000000002 m 374.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 186.60000000000002 m 378.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 201.60000000000002 m 378.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 186.60000000000002 m 423.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 201.60000000000002 m 423.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 186.60000000000002 m 468.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 186.60000000000002 m 472.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 201.60000000000002 m 472.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 186.60000000000002 m 517.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 201.60000000000002 m 517.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 201.60000000000002 m 562.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 186.60000000000002 m 562.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 186.60000000000002 m 50.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 171.60000000000002 m 231.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 186.60000000000002 m 231.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 171.60000000000002 m 276.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 171.60000000000002 m 280.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 186.60000000000002 m 280.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 171.60000000000002 m 325.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 171.60000000000002 m 329.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 186.60000000000002 m 329.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 171.60000000000002 m 374.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 171.60000000000002 m 378.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 186.60000000000002 m 378.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 171.60000000000002 m 423.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 186.60000000000002 m 423.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 186.60000000000002 m 472.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 171.60000000000002 m 517.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 186.60000000000002 m 517.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 186.60000000000002 m 562.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 171.60000000000002 m 562.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 171.60000000000002 m 50.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 156.60000000000002 m 231.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 171.60000000000002 m 231.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 156.60000000000002 m 276.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 156.60000000000002 m 280.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 171.60000000000002 m 280.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 156.60000000000002 m 325.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 156.60000000000002 m 329.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 171.60000000000002 m 329.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 156.60000000000002 m 374.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 156.60000000000002 m 378.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 171.60000000000002 m 378.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 156.60000000000002 m 423.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 171.60000000000002 m 423.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 171.60000000000002 m 468.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 156.60000000000002 m 468.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 171.60000000000002 m 472.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 171.60000000000002 m 472.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 156.60000000000002 m 472.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 171.60000000000002 m 517.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 171.60000000000002 m 517.5 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 156.60000000000002 m 517.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 171.60000000000002 m 517.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 171.60000000000002 m 562.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 156.60000000000002 m 562.5 156.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 156.60000000000002 m 50.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 141.60000000000002 m 231.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 156.60000000000002 m 231.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 141.60000000000002 m 276.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 141.60000000000002 m 280.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 156.60000000000002 m 280.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 141.60000000000002 m 325.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 141.60000000000002 m 329.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 156.60000000000002 m 329.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 141.60000000000002 m 374.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 141.60000000000002 m 378.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 156.60000000000002 m 378.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 141.60000000000002 m 423.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 156.60000000000002 m 423.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 141.60000000000002 m 468.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 141.60000000000002 m 472.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 156.60000000000002 m 472.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 141.60000000000002 m 517.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 156.60000000000002 m 517.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 156.60000000000002 m 562.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 141.60000000000002 m 562.5 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 141.60000000000002 m 50.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 126.60000000000002 m 231.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 141.60000000000002 m 231.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 126.60000000000002 m 276.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 126.60000000000002 m 280.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 141.60000000000002 m 280.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 126.60000000000002 m 325.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 126.60000000000002 m 329.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 141.60000000000002 m 329.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 126.60000000000002 m 374.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 126.60000000000002 m 378.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 141.60000000000002 m 378.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 126.60000000000002 m 423.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 141.60000000000002 m 423.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 126.60000000000002 m 468.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 126.60000000000002 m 472.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 141.60000000000002 m 472.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 126.60000000000002 m 517.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 141.60000000000002 m 517.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 141.60000000000002 m 562.5 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 126.60000000000002 m 562.5 126.60000000000002 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 206.47 Td (Results for CIB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 206.47 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 206.47 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 191.47 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 191.47 Td (4Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 191.47 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 191.47 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 191.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 191.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 191.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 191.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 176.47 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 176.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 176.47 Td (7,386) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 176.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 176.47 Td (9,118) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 176.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 176.47 Td (6,157) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 176.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 390.85 176.47 Td (\(1,732) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 176.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 176.47 Td (\(19) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 176.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 176.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 488.50 176.47 Td (1,229) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.80 176.47 Td (20) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 176.47 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 161.47 Td (ProvisionforCreditLosses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 257.60 161.47 Td (\(59) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 161.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 306.60 161.47 Td (\(67) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 161.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 355.60 161.47 Td (\(19) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 161.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 413.80 161.47 Td (8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 161.47 Td (\(12) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 161.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 161.47 Td (\(40) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 161.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 536.30 161.47 Td (211) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 146.47 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 146.47 Td (5,576) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 146.47 Td (6,035) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 146.47 Td (4,892) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 146.47 Td (\(459) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 146.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 146.47 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 146.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 146.47 Td (684) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.80 146.47 Td (14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 131.47 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 131.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 131.47 Td (972) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 131.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 131.47 Td (1,687) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 131.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 131.47 Td (941) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 131.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 131.47 Td (\(715) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 131.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 131.47 Td (\(42) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 131.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 131.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 131.47 Td (31) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 547.30 131.47 Td (3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 552.80 131.47 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 100.70 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 86.30 Td (Net income was $972 million, up 3%, compared with $941 million in the prior year) Tj ET Q q 0 0 0 rg BT 450.78 86.30 Td (, reflecting higher net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 71.90 Td (revenue, predominantly of) Tj ET Q q 0 0 0 rg BT 176.74 71.90 Td (fset by higher noninterest expense due to increased legal expense. Net revenue ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 57.50 Td (was $7.4 billion, compared with $6.2 billion in the prior year) Tj ET Q q 0 0 0 rg BT 342.28 57.50 Td (. Excluding the impact of certain refinements ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (to net FV) Tj ET Q q 0 0 0 rg BT 93.79 740.70 Td (A/DV) Tj ET Q q 0 0 0 rg BT 121.57 740.70 Td (A) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 130.24 746.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 134.14 740.70 Td (, net revenue was $7.6 billion and net income was $1.1 billion. In the prior year) Tj ET Q q 0 0 0 rg BT 515.23 740.70 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (excluding the impact of FV) Tj ET Q q 0 0 0 rg BT 180.42 726.30 Td (A/DV) Tj ET Q q 0 0 0 rg BT 208.21 726.30 Td (A) Tj ET Q q 0 0 0 rg BT 216.21 726.30 Td ( losses, net of hedges) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 317.86 731.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 321.76 726.30 Td (, of $2.0 billion, net revenue was $8.2 billion and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (net income was $2.2 billion.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (Banking revenue was $3.1 billion, up 1% from the prior year) Tj ET Q q 0 0 0 rg BT 341.93 683.10 Td (. Investment banking fees were $1.8 billion, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (up 8% from the prior year) Tj ET Q q 0 0 0 rg BT 174.48 668.70 Td (, driven by record debt underwriting fees of $1.1 billion, up 31% from the prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 654.30 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 654.30 Td (. ) Tj ET Q q 0 0 0 rg BT 75.77 654.30 Td (This increase was partially of) Tj ET Q q 0 0 0 rg BT 216.83 654.30 Td (fset by lower equity underwriting fees of $327 million, down 25% from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 639.90 Td (a strong prior year) Tj ET Q q 0 0 0 rg BT 137.64 639.90 Td (. ) Tj ET Q q 0 0 0 rg BT 142.98 639.90 Td (Advisory fees of $434 million remained flat from the prior year) Tj ET Q q 0 0 0 rg BT 447.56 639.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 450.56 639.90 Td ( ) Tj ET Q BT /F1 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 453.34 639.90 Td (T) Tj ET Q q 0 0 0 rg BT 460.25 639.90 Td (reasury Services ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 625.50 Td (revenue was $1.0 billion, up 3% compared with the prior year) Tj ET Q q 0 0 0 rg BT 346.77 625.50 Td (, driven by the absence of a mark-to-market ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 611.10 Td (loss on the repositioning of the trade finance portfolio in the prior year) Tj ET Q q 0 0 0 rg BT 388.09 611.10 Td (, partially of) Tj ET Q q 0 0 0 rg BT 446.86 611.10 Td (fset by lower trade ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 596.70 Td (finance revenue and the impact of business simplification initiatives. Lending revenue was $264 million, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 582.30 Td (down 33% from the prior year) Tj ET Q q 0 0 0 rg BT 195.14 582.30 Td (,) Tj ET Q BT /F1 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 198.14 582.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 201.14 582.30 Td (primarily reflecting mark-to-market losses on securities received from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 567.90 Td (restructurings compared to gains in the prior year) Tj ET Q q 0 0 0 rg BT 286.26 567.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 539.10 Td (Markets & Investor Services revenue was $4.3 billion, up 38% from the prior year) Tj ET Q q 0 0 0 rg BT 444.90 539.10 Td (. Fixed Income Markets ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 524.70 Td (revenue of $2.5 billion was down 23% from the prior year) Tj ET Q q 0 0 0 rg BT 329.11 524.70 Td (,) Tj ET Q BT /F1 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 332.11 524.70 Td ( ) Tj ET Q BT /F1 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 335.11 524.70 Td (driven by lower revenues in credit-related and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 510.30 Td (securitized products and by the impact of business simplification initiatives, including the sales of the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 495.90 Td (Physical Commodities and Global Special Opportunities Group businesses. Excluding the revenue decline ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 481.50 Td (related to business simplification, Fixed Income Markets was down 14%) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 399.27 486.94 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 403.17 481.50 Td (. Equity Markets revenue of $1.1 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 467.10 Td (billion was up 25% compared with the prior year) Tj ET Q q 0 0 0 rg BT 284.79 467.10 Td (, primarily on higher derivatives revenue and higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 452.70 Td (prime services revenue. Securities Services revenue was $1.1 billion, up 6% from the prior year primarily ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 438.30 Td (driven by higher fees and commissions as well as higher net interest income on increased deposits. Credit ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 423.90 Td (Adjustments & Other revenue was a loss of $452 million, compared with a loss of $2.1 billion driven by a ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 409.50 Td ($1.5 billion loss as a result of implementing the FV) Tj ET Q q 0 0 0 rg BT 295.10 409.50 Td (A) Tj ET Q q 0 0 0 rg BT 303.10 409.50 Td ( framework as well as losses of $536 million from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 395.10 Td (DV) Tj ET Q q 0 0 0 rg BT 65.79 395.10 Td (A) Tj ET Q q 0 0 0 rg BT 73.79 395.10 Td ( in the prior year) Tj ET Q q 0 0 0 rg BT 153.10 395.10 Td (. ) Tj ET Q q 0 0 0 rg BT 158.88 395.10 Td (The current period includes net losses on CV) Tj ET Q q 0 0 0 rg BT 373.61 395.10 Td (A) Tj ET Q q 0 0 0 rg BT 381.62 395.10 Td ( as well as refinements to net FV) Tj ET Q q 0 0 0 rg BT 537.70 395.10 Td (A/) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 380.70 Td (DV) Tj ET Q q 0 0 0 rg BT 65.79 380.70 Td (A. ? Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 351.90 Td (The provision for credit losses was a benefit of $59 million, compared with a benefit of $19 million in the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 337.50 Td (prior year) Tj ET Q q 0 0 0 rg BT 96.31 337.50 Td (. ) Tj ET Q q 0 0 0 rg BT 102.10 337.50 Td (The ratio of the allowance for loan losses to period-end loans retained was 1.07%, compared ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 323.10 Td (with 1.15% in the prior year) Tj ET Q q 0 0 0 rg BT 184.64 323.10 Td (. Excluding the impact of the consolidation of Firm-administered multi-seller ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 308.70 Td (conduits and trade finance loans, the ratio of the allowance for loan losses to period-end loans retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 542.16 314.14 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 546.06 308.70 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 294.30 Td (was 1.82%, compared with 2.02% in the prior year) Tj ET Q q 0 0 0 rg BT 293.60 294.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 265.50 Td (Noninterest expense was $5.6 billion, up 14% from the prior year) Tj ET Q q 0 0 0 rg BT 364.11 265.50 Td (, driven by higher legal expense and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 251.10 Td (higher cost of controls, partially of) Tj ET Q q 0 0 0 rg BT 216.41 251.10 Td (fset by the impact of business simplification and lower compensation ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 236.70 Td (expense. ) Tj ET Q q 0 0 0 rg BT 94.43 236.70 Td (The ratio of compensation expense to total net revenue was 27%.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 215.80 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 215.80 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 215.80 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 215.80 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 215.80 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 200.39 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 200.39 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 200.39 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 200.39 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 200.39 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 200.39 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 200.39 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 200.39 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 200.39 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 200.39 Td (noted, ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 257.31 200.39 Td (and ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 271.40 200.39 Td (all ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 281.58 200.39 Td (rankings ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 312.14 200.39 Td (are ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 324.49 200.39 Td (according ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 358.50 200.39 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 366.51 200.39 Td (Dealogic\)) Tj ET Q BT /F1 11.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 177.96 cm /I44 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 180.55 Td (Return ) Tj ET Q q 0 0 0 rg BT 140.18 180.55 Td (on ) Tj ET Q q 0 0 0 rg BT 155.71 180.55 Td (equity ) Tj ET Q q 0 0 0 rg BT 189.22 180.55 Td (was ) Tj ET Q q 0 0 0 rg BT 211.41 180.55 Td (5% ) Tj ET Q q 0 0 0 rg BT 230.93 180.55 Td (on ) Tj ET Q q 0 0 0 rg BT 246.45 180.55 Td ($61.0 ) Tj ET Q q 0 0 0 rg BT 276.97 180.55 Td (billion ) Tj ET Q q 0 0 0 rg BT 311.83 180.55 Td (of ) Tj ET Q q 0 0 0 rg BT 325.35 180.55 Td (average ) Tj ET Q q 0 0 0 rg BT 366.17 180.55 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.00 180.55 Td (capital; ) Tj ET Q q 0 0 0 rg BT 451.84 180.55 Td (excluding ) Tj ET Q q 0 0 0 rg BT 502.69 180.55 Td (legal ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 166.15 Td (expense, ) Tj ET Q q 0 0 0 rg BT 148.65 166.15 Td (return ) Tj ET Q q 0 0 0 rg BT 180.30 166.15 Td (on ) Tj ET Q q 0 0 0 rg BT 195.30 166.15 Td (equity ) Tj ET Q q 0 0 0 rg BT 228.29 166.15 Td (was ) Tj ET Q q 0 0 0 rg BT 249.96 166.15 Td (1) Tj ET Q q 0 0 0 rg BT 255.51 166.15 Td (1%) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 271.51 171.59 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 275.41 166.15 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 149.16 cm /I45 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 151.75 Td (Overhead ratio was 75%. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 134.76 cm /I46 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 137.35 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 143.45 137.35 Td (#1 ) Tj ET Q q 0 0 0 rg BT 158.25 137.35 Td (in ) Tj ET Q q 0 0 0 rg BT 170.38 137.35 Td (Global ) Tj ET Q q 0 0 0 rg BT 205.83 137.35 Td (Investment ) Tj ET Q q 0 0 0 rg BT 261.95 137.35 Td (Banking ) Tj ET Q q 0 0 0 rg BT 305.40 137.35 Td (fees ) Tj ET Q q 0 0 0 rg BT 327.52 137.35 Td (with ) Tj ET Q q 0 0 0 rg BT 351.65 137.35 Td (8.1% ) Tj ET Q q 0 0 0 rg BT 379.44 137.35 Td (wallet ) Tj ET Q q 0 0 0 rg BT 411.55 137.35 Td (share ) Tj ET Q q 0 0 0 rg BT 439.67 137.35 Td (for ) Tj ET Q q 0 0 0 rg BT 456.45 137.35 Td (the ) Tj ET Q q 0 0 0 rg BT 473.91 137.35 Td (year ) Tj ET Q q 0 0 0 rg BT 497.35 137.35 Td (ended ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 122.95 Td (December ) Tj ET Q q 0 0 0 rg BT 156.30 122.95 Td (31, ) Tj ET Q q 0 0 0 rg BT 174.30 122.95 Td (2014.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 105.96 cm /I47 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 108.55 Td (Ranked ) Tj ET Q q 0 0 0 rg BT 142.71 108.55 Td (#1 ) Tj ET Q q 0 0 0 rg BT 156.77 108.55 Td (in ) Tj ET Q q 0 0 0 rg BT 168.16 108.55 Td (Global ) Tj ET Q q 0 0 0 rg BT 202.87 108.55 Td (Debt, ) Tj ET Q q 0 0 0 rg BT 231.25 108.55 Td (Equity ) Tj ET Q q 0 0 0 rg BT 265.31 108.55 Td (and ) Tj ET Q q 0 0 0 rg BT 284.69 108.55 Td (Equity-related ) Tj ET Q q 0 0 0 rg BT 355.38 108.55 Td (with ) Tj ET Q q 0 0 0 rg BT 378.77 108.55 Td (7.6% ) Tj ET Q q 0 0 0 rg BT 405.82 108.55 Td (wallet ) Tj ET Q q 0 0 0 rg BT 437.19 108.55 Td (share; ) Tj ET Q q 0 0 0 rg BT 467.90 108.55 Td (#1 ) Tj ET Q q 0 0 0 rg BT 481.96 108.55 Td (in ) Tj ET Q q 0 0 0 rg BT 493.35 108.55 Td (Global ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 94.15 Td (Long-T) Tj ET Q q 0 0 0 rg BT 139.82 94.15 Td (erm ) Tj ET Q q 0 0 0 rg BT 160.60 94.15 Td (Debt ) Tj ET Q q 0 0 0 rg BT 186.05 94.15 Td (with ) Tj ET Q q 0 0 0 rg BT 209.51 94.15 Td (8.0% ) Tj ET Q q 0 0 0 rg BT 236.63 94.15 Td (wallet ) Tj ET Q q 0 0 0 rg BT 268.07 94.15 Td (share; ) Tj ET Q q 0 0 0 rg BT 298.85 94.15 Td (#1 ) Tj ET Q q 0 0 0 rg BT 312.97 94.15 Td (in ) Tj ET Q q 0 0 0 rg BT 324.43 94.15 Td (Global ) Tj ET Q q 0 0 0 rg BT 359.21 94.15 Td (Syndicated ) Tj ET Q q 0 0 0 rg BT 414.66 94.15 Td (Loans ) Tj ET Q q 0 0 0 rg BT 446.11 94.15 Td (with ) Tj ET Q q 0 0 0 rg BT 469.57 94.15 Td (9.5% ) Tj ET Q q 0 0 0 rg BT 496.69 94.15 Td (wallet ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 79.75 Td (share; ) Tj ET Q q 0 0 0 rg BT 135.92 79.75 Td (#3 ) Tj ET Q q 0 0 0 rg BT 151.19 79.75 Td (in ) Tj ET Q q 0 0 0 rg BT 163.79 79.75 Td (Global ) Tj ET Q q 0 0 0 rg BT 199.72 79.75 Td (Equity ) Tj ET Q q 0 0 0 rg BT 234.99 79.75 Td (and ) Tj ET Q q 0 0 0 rg BT 255.59 79.75 Td (Equity-related ) Tj ET Q q 0 0 0 rg BT 327.49 79.75 Td (with ) Tj ET Q q 0 0 0 rg BT 352.10 79.75 Td (7.1% ) Tj ET Q q 0 0 0 rg BT 380.36 79.75 Td (wallet ) Tj ET Q q 0 0 0 rg BT 412.95 79.75 Td (share; ) Tj ET Q q 0 0 0 rg BT 444.88 79.75 Td (and ) Tj ET Q q 0 0 0 rg BT 465.47 79.75 Td (#2 ) Tj ET Q q 0 0 0 rg BT 480.74 79.75 Td (in ) Tj ET Q q 0 0 0 rg BT 493.34 79.75 Td (Global ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 65.35 Td (M&A, ) Tj ET Q q 0 0 0 rg BT 138.13 65.35 Td (with ) Tj ET Q q 0 0 0 rg BT 161.91 65.35 Td (8.2% ) Tj ET Q q 0 0 0 rg BT 189.37 65.35 Td (wallet ) Tj ET Q q 0 0 0 rg BT 221.14 65.35 Td (share, ) Tj ET Q q 0 0 0 rg BT 251.91 65.35 Td ( ) Tj ET Q q 0 0 0 rg BT 254.37 65.35 Td (based ) Tj ET Q q 0 0 0 rg BT 284.15 65.35 Td (on ) Tj ET Q q 0 0 0 rg BT 298.60 65.35 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 342.03 65.35 Td (for ) Tj ET Q q 0 0 0 rg BT 358.48 65.35 Td (the ) Tj ET Q q 0 0 0 rg BT 375.59 65.35 Td (year ) Tj ET Q q 0 0 0 rg BT 398.70 65.35 Td (ended ) Tj ET Q q 0 0 0 rg BT 429.80 65.35 Td (December ) Tj ET Q q 0 0 0 rg BT 481.56 65.35 Td (31, ) Tj ET Q q 0 0 0 rg BT 499.02 65.35 Td (2014.) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I48 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 740.70 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.78 740.70 Td (client ) Tj ET Q q 0 0 0 rg BT 176.46 740.70 Td (deposits ) Tj ET Q q 0 0 0 rg BT 218.82 740.70 Td (and ) Tj ET Q q 0 0 0 rg BT 239.18 740.70 Td (other ) Tj ET Q q 0 0 0 rg BT 266.86 740.70 Td (third-party ) Tj ET Q q 0 0 0 rg BT 321.20 740.70 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 368.89 740.70 Td (were ) Tj ET Q q 0 0 0 rg BT 395.23 740.70 Td ($433.8 ) Tj ET Q q 0 0 0 rg BT 431.26 740.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 468.63 740.70 Td (up ) Tj ET Q q 0 0 0 rg BT 483.65 740.70 Td (3% ) Tj ET Q q 0 0 0 rg BT 502.68 740.70 Td (from ) Tj ET Q BT /F1 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 121.66 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 726.30 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 206.96 726.30 Td (3% ) Tj ET Q q 0 0 0 rg BT 225.96 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 252.28 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 269.94 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 296.27 726.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 329.59 726.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.31 cm /I49 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (Assets ) Tj ET Q q 0 0 0 rg BT 138.28 711.90 Td (under ) Tj ET Q q 0 0 0 rg BT 168.54 711.90 Td (custody ) Tj ET Q q 0 0 0 rg BT 208.81 711.90 Td (were ) Tj ET Q q 0 0 0 rg BT 235.07 711.90 Td ($20.5 ) Tj ET Q q 0 0 0 rg BT 265.01 711.90 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 303.62 711.90 Td (flat ) Tj ET Q q 0 0 0 rg BT 322.55 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 348.82 711.90 Td (the ) Tj ET Q q 0 0 0 rg BT 366.42 711.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 392.69 711.90 Td (year ) Tj ET Q q 0 0 0 rg BT 416.28 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 436.54 711.90 Td (down ) Tj ET Q q 0 0 0 rg BT 466.15 711.90 Td (3% ) Tj ET Q q 0 0 0 rg BT 485.09 711.90 Td (from ) Tj ET Q q 0 0 0 rg BT 511.36 711.90 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 697.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 130.33 697.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 163.64 697.50 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 680.51 cm /I50 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 683.10 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 158.61 683.10 Td (total ) Tj ET Q q 0 0 0 rg BT 181.90 683.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 209.19 683.10 Td (were ) Tj ET Q q 0 0 0 rg BT 234.46 683.10 Td ($102.0 ) Tj ET Q q 0 0 0 rg BT 269.42 683.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 305.71 683.10 Td (down ) Tj ET Q q 0 0 0 rg BT 334.34 683.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 352.29 683.10 Td (from ) Tj ET Q q 0 0 0 rg BT 377.58 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.19 683.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 419.48 683.10 Td (year ) Tj ET Q q 0 0 0 rg BT 442.09 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.37 683.10 Td (down ) Tj ET Q q 0 0 0 rg BT 490.00 683.10 Td (slightly ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 668.70 Td (from ) Tj ET Q q 0 0 0 rg BT 130.33 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 668.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 174.31 668.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 207.63 668.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 651.71 cm /I51 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 654.30 Td (Nonaccrual loans were $121 million, down 65% from the prior year and down 48% ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 639.90 Td (from the prior quarter) Tj ET Q q 0 0 0 rg BT 207.63 639.90 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 611.10 Td (COMMERCIAL) Tj ET Q q 0 0 0 rg BT 131.58 611.10 Td ( BANKING \(CB\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 600.6 m 50.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 600.6 m 231.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 600.6 m 231.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 600.6 m 276.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 600.6 m 280.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 600.6 m 280.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 600.6 m 325.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 600.6 m 329.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 600.6 m 329.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 600.6 m 374.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 600.6 m 378.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 600.6 m 378.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 600.6 m 423.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 585.6 m 423.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 600.6 m 468.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 585.6 m 468.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 600.6 m 472.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 585.6 m 472.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 600.6 m 472.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 600.6 m 517.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 585.6 m 517.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 600.6 m 562.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 600.6 m 562.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 585.6 m 562.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 585.6 m 50.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 570.6 m 231.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 585.6 m 231.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 570.6 m 276.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 570.6 m 280.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 585.6 m 280.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 570.6 m 325.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 570.6 m 329.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 585.6 m 329.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 570.6 m 374.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 570.6 m 378.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 585.6 m 378.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 570.6 m 423.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 585.6 m 423.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 570.6 m 468.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 570.6 m 472.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 585.6 m 472.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 570.6 m 517.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 585.6 m 517.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 585.6 m 562.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 570.6 m 562.5 570.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 570.6 m 50.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 555.6 m 231.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 570.6 m 231.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 555.6 m 276.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 555.6 m 280.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 570.6 m 280.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 555.6 m 325.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 555.6 m 329.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 570.6 m 329.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 555.6 m 374.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 555.6 m 378.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 570.6 m 378.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 555.6 m 423.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 570.6 m 423.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 555.6 m 468.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 555.6 m 472.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 570.6 m 472.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 555.6 m 517.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 570.6 m 517.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 570.6 m 562.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 555.6 m 562.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 555.6 m 50.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 540.6 m 231.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 555.6 m 231.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 540.6 m 276.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 540.6 m 280.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 555.6 m 280.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 540.6 m 325.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 540.6 m 329.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 555.6 m 329.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 540.6 m 374.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 540.6 m 378.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 555.6 m 378.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 540.6 m 423.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 555.6 m 423.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 540.6 m 468.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 540.6 m 472.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 555.6 m 472.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 540.6 m 517.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 555.6 m 517.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 555.6 m 562.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 540.6 m 562.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 540.6 m 50.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 525.6 m 231.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 540.6 m 231.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 525.6 m 276.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 525.6 m 280.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 540.6 m 280.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 525.6 m 325.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 525.6 m 329.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 540.6 m 329.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 525.6 m 374.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 525.6 m 378.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 540.6 m 378.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 525.6 m 423.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 540.6 m 423.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 525.6 m 468.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 525.6 m 472.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 540.6 m 472.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 525.6 m 517.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 540.6 m 517.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 540.6 m 562.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 525.6 m 562.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 525.6 m 50.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 510.6 m 231.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 525.6 m 231.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 510.6 m 276.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 510.6 m 280.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 525.6 m 280.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 510.6 m 325.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 510.6 m 329.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 525.6 m 329.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 510.6 m 374.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 510.6 m 378.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 525.6 m 378.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 510.6 m 423.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 525.6 m 423.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 510.6 m 468.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 510.6 m 472.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 525.6 m 472.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 510.6 m 517.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 525.6 m 517.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 525.6 m 562.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 510.6 m 562.5 510.6 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 590.47 Td (Results for CB) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 590.47 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 590.47 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 575.47 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 575.47 Td (4Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 575.47 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 575.47 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 575.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 575.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 575.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 575.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 560.47 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 560.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 560.47 Td (1,770) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 560.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 560.47 Td (1,703) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 560.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 560.47 Td (1,876) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 560.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 560.47 Td (67) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 560.47 Td (4) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 560.47 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 560.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 560.47 Td (\(106) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 560.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 560.47 Td (\(6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 560.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 545.47 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 257.60 545.47 Td (\(48) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 545.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 306.60 545.47 Td (\(79) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 545.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 545.47 Td (43) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 545.47 Td (31) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 444.10 545.47 Td (\(39) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 545.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 545.47 Td (\(91) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 545.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 545.47 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 530.47 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 530.47 Td (666) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 530.47 Td (668) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 530.47 Td (653) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.10 530.47 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 530.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 530.47 Td (? Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 530.47 Td (13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 530.47 Td (2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 515.47 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 515.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 515.47 Td (693) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 515.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 515.47 Td (671) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 515.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 515.47 Td (711) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 515.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 515.47 Td (22) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 453.30 515.47 Td (3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 515.47 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 515.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 515.47 Td (\(18) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 515.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 515.47 Td (\(3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 515.47 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 484.70 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 107.02 484.70 Td (of ) Tj ET Q q 0 0 0 rg BT 120.01 484.70 Td (Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 470.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.97 470.30 Td (income ) Tj ET Q q 0 0 0 rg BT 109.94 470.30 Td (was ) Tj ET Q q 0 0 0 rg BT 132.25 470.30 Td ($693 ) Tj ET Q q 0 0 0 rg BT 159.89 470.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 201.21 470.30 Td (a ) Tj ET Q q 0 0 0 rg BT 210.18 470.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 255.12 470.30 Td (of ) Tj ET Q q 0 0 0 rg BT 268.77 470.30 Td ($18 ) Tj ET Q q 0 0 0 rg BT 290.41 470.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 331.73 470.30 Td (or ) Tj ET Q q 0 0 0 rg BT 345.37 470.30 Td (3%, ) Tj ET Q q 0 0 0 rg BT 368.01 470.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 418.97 470.30 Td (with ) Tj ET Q q 0 0 0 rg BT 443.95 470.30 Td (the ) Tj ET Q q 0 0 0 rg BT 462.25 470.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 489.22 470.30 Td (year) Tj ET Q q 0 0 0 rg BT 509.39 470.30 Td (, ) Tj ET Q q 0 0 0 rg BT 516.04 470.30 Td (reflecting ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 455.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 79.26 455.90 Td (net ) Tj ET Q q 0 0 0 rg BT 95.86 455.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 135.77 455.90 Td (and ) Tj ET Q q 0 0 0 rg BT 155.03 455.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 187.62 455.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 242.88 455.90 Td (expense, ) Tj ET Q q 0 0 0 rg BT 286.46 455.90 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 358.38 455.90 Td (of) Tj ET Q q 0 0 0 rg BT 368.16 455.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 387.43 455.90 Td (by ) Tj ET Q q 0 0 0 rg BT 401.36 455.90 Td (a ) Tj ET Q q 0 0 0 rg BT 408.63 455.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 437.88 455.90 Td (provision ) Tj ET Q q 0 0 0 rg BT 485.16 455.90 Td (for ) Tj ET Q q 0 0 0 rg BT 501.08 455.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 530.34 455.90 Td (losses.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 435.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.28 435.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 111.21 435.50 Td (was ) Tj ET Q q 0 0 0 rg BT 132.82 435.50 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 156.78 435.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 194.06 435.50 Td (a ) Tj ET Q q 0 0 0 rg BT 202.34 435.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.59 435.50 Td (of ) Tj ET Q q 0 0 0 rg BT 259.54 435.50 Td ($106 ) Tj ET Q q 0 0 0 rg BT 286.50 435.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 327.12 435.50 Td (or ) Tj ET Q q 0 0 0 rg BT 340.07 435.50 Td (6%, ) Tj ET Q q 0 0 0 rg BT 362.02 435.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 412.28 435.50 Td (with ) Tj ET Q q 0 0 0 rg BT 436.57 435.50 Td (the ) Tj ET Q q 0 0 0 rg BT 454.18 435.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 480.46 435.50 Td (year) Tj ET Q q 0 0 0 rg BT 500.45 435.50 Td (. ) Tj ET Q q 0 0 0 rg BT 506.40 435.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 526.68 435.50 Td (interest ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (income ) Tj ET Q q 0 0 0 rg BT 88.79 421.10 Td (was ) Tj ET Q q 0 0 0 rg BT 110.92 421.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 135.39 421.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 173.19 421.10 Td (a ) Tj ET Q q 0 0 0 rg BT 181.99 421.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 226.75 421.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.22 421.10 Td ($125 ) Tj ET Q q 0 0 0 rg BT 267.69 421.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 308.83 421.10 Td (or ) Tj ET Q q 0 0 0 rg BT 322.29 421.10 Td (10%, ) Tj ET Q q 0 0 0 rg BT 350.76 421.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 401.53 421.10 Td (with ) Tj ET Q q 0 0 0 rg BT 426.34 421.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.46 421.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 471.26 421.10 Td (year) Tj ET Q q 0 0 0 rg BT 491.43 421.10 Td (, ) Tj ET Q q 0 0 0 rg BT 497.90 421.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 547.34 421.10 Td (the ) Tj ET Q q 0 0 0 rg BT 565.00 421.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 406.70 Td (absence ) Tj ET Q q 0 0 0 rg BT 90.48 406.70 Td (of ) Tj ET Q q 0 0 0 rg BT 102.98 406.70 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 148.13 406.70 Td (from ) Tj ET Q q 0 0 0 rg BT 173.96 406.70 Td (a ) Tj ET Q q 0 0 0 rg BT 181.79 406.70 Td ( ) Tj ET Q q 0 0 0 rg BT 184.30 406.70 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 259.43 406.70 Td (workout ) Tj ET Q q 0 0 0 rg BT 301.94 406.70 Td (in ) Tj ET Q q 0 0 0 rg BT 313.77 406.70 Td (the ) Tj ET Q q 0 0 0 rg BT 330.94 406.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 356.77 406.70 Td (year ) Tj ET Q q 0 0 0 rg BT 379.92 406.70 Td (and ) Tj ET Q q 0 0 0 rg BT 399.75 406.70 Td (yield ) Tj ET Q q 0 0 0 rg BT 426.25 406.70 Td (compression, ) Tj ET Q q 0 0 0 rg BT 492.42 406.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 534.90 406.70 Td (of) Tj ET Q q 0 0 0 rg BT 544.68 406.70 Td (fset ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 392.30 Td (by ) Tj ET Q q 0 0 0 rg BT 64.34 392.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 97.34 392.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 120.35 392.30 Td (balances. ) Tj ET Q q 0 0 0 rg BT 167.00 392.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 225.33 392.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 265.65 392.30 Td (was ) Tj ET Q q 0 0 0 rg BT 286.65 392.30 Td ($643 ) Tj ET Q q 0 0 0 rg BT 313.00 392.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 353.01 392.30 Td (an ) Tj ET Q q 0 0 0 rg BT 366.68 392.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 408.33 392.30 Td (of ) Tj ET Q q 0 0 0 rg BT 420.67 392.30 Td ($19 ) Tj ET Q q 0 0 0 rg BT 441.01 392.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 481.03 392.30 Td (or ) Tj ET Q q 0 0 0 rg BT 493.37 392.30 Td (3%, ) Tj ET Q q 0 0 0 rg BT 514.71 392.30 Td (compared ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 377.90 Td (with ) Tj ET Q q 0 0 0 rg BT 74.72 377.90 Td (the ) Tj ET Q q 0 0 0 rg BT 92.76 377.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 119.47 377.90 Td (year) Tj ET Q q 0 0 0 rg BT 139.64 377.90 Td (, ) Tj ET Q q 0 0 0 rg BT 146.02 377.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 180.06 377.90 Td (by ) Tj ET Q q 0 0 0 rg BT 195.45 377.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 229.49 377.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 285.53 377.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 327.57 377.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 368.93 377.90 Td (lar) Tj ET Q q 0 0 0 rg BT 381.37 377.90 Td (gely ) Tj ET Q q 0 0 0 rg BT 405.42 377.90 Td (of) Tj ET Q q 0 0 0 rg BT 415.19 377.90 Td (fset ) Tj ET Q q 0 0 0 rg BT 435.90 377.90 Td (by ) Tj ET Q q 0 0 0 rg BT 451.29 377.90 Td (business ) Tj ET Q q 0 0 0 rg BT 495.34 377.90 Td (simplification ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 363.50 Td (and ) Tj ET Q q 0 0 0 rg BT 70.33 363.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 100.65 363.50 Td (other ) Tj ET Q q 0 0 0 rg BT 128.30 363.50 Td (fees.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 94.89 343.10 Td (from ) Tj ET Q q 0 0 0 rg BT 121.12 343.10 Td (Middle ) Tj ET Q q 0 0 0 rg BT 158.68 343.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 196.24 343.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 239.81 343.10 Td (was ) Tj ET Q q 0 0 0 rg BT 261.37 343.10 Td ($705 ) Tj ET Q q 0 0 0 rg BT 288.27 343.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 328.85 343.10 Td (a ) Tj ET Q q 0 0 0 rg BT 337.08 343.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 381.28 343.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.18 343.10 Td ($53 ) Tj ET Q q 0 0 0 rg BT 415.08 343.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 455.65 343.10 Td (or ) Tj ET Q q 0 0 0 rg BT 468.55 343.10 Td (7%, ) Tj ET Q q 0 0 0 rg BT 490.45 343.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 540.66 343.10 Td (with ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 328.70 Td (the ) Tj ET Q q 0 0 0 rg BT 67.17 328.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 93.00 328.70 Td (year) Tj ET Q q 0 0 0 rg BT 112.98 328.70 Td (. ) Tj ET Q q 0 0 0 rg BT 118.49 328.70 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 162.97 328.70 Td (from ) Tj ET Q q 0 0 0 rg BT 188.81 328.70 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 239.29 328.70 Td (Client ) Tj ET Q q 0 0 0 rg BT 271.13 328.70 Td (Banking ) Tj ET Q q 0 0 0 rg BT 314.30 328.70 Td (was ) Tj ET Q q 0 0 0 rg BT 335.47 328.70 Td ($51) Tj ET Q q 0 0 0 rg BT 353.02 328.70 Td (1 ) Tj ET Q q 0 0 0 rg BT 361.53 328.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 401.70 328.70 Td (an ) Tj ET Q q 0 0 0 rg BT 415.53 328.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 457.34 328.70 Td (of ) Tj ET Q q 0 0 0 rg BT 469.84 328.70 Td ($17 ) Tj ET Q q 0 0 0 rg BT 490.35 328.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 530.52 328.70 Td (or ) Tj ET Q q 0 0 0 rg BT 543.02 328.70 Td (3%, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 314.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.77 314.30 Td (with ) Tj ET Q q 0 0 0 rg BT 125.57 314.30 Td (the ) Tj ET Q q 0 0 0 rg BT 143.69 314.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 170.47 314.30 Td (year) Tj ET Q q 0 0 0 rg BT 190.46 314.30 Td (. ) Tj ET Q q 0 0 0 rg BT 196.92 314.30 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 242.37 314.30 Td (from ) Tj ET Q q 0 0 0 rg BT 269.15 314.30 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 331.68 314.30 Td (T) Tj ET Q q 0 0 0 rg BT 338.17 314.30 Td (erm ) Tj ET Q q 0 0 0 rg BT 360.29 314.30 Td (Lending ) Tj ET Q q 0 0 0 rg BT 403.74 314.30 Td (was ) Tj ET Q q 0 0 0 rg BT 425.86 314.30 Td ($313 ) Tj ET Q q 0 0 0 rg BT 453.33 314.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 494.46 314.30 Td (an ) Tj ET Q q 0 0 0 rg BT 509.25 314.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 552.01 314.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 299.90 Td ($9 ) Tj ET Q q 0 0 0 rg BT 65.58 299.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 106.82 299.90 Td (or ) Tj ET Q q 0 0 0 rg BT 120.39 299.90 Td (3%, ) Tj ET Q q 0 0 0 rg BT 142.96 299.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 193.85 299.90 Td (with ) Tj ET Q q 0 0 0 rg BT 218.76 299.90 Td (the ) Tj ET Q q 0 0 0 rg BT 236.99 299.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 263.90 299.90 Td (year) Tj ET Q q 0 0 0 rg BT 283.88 299.90 Td (. ) Tj ET Q q 0 0 0 rg BT 290.46 299.90 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 336.02 299.90 Td (from ) Tj ET Q q 0 0 0 rg BT 362.92 299.90 Td (Real ) Tj ET Q q 0 0 0 rg BT 388.48 299.90 Td (Estate ) Tj ET Q q 0 0 0 rg BT 421.38 299.90 Td (Banking ) Tj ET Q q 0 0 0 rg BT 465.62 299.90 Td (was ) Tj ET Q q 0 0 0 rg BT 487.86 299.90 Td ($120 ) Tj ET Q q 0 0 0 rg BT 515.43 299.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 556.68 299.90 Td (a ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 285.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 94.83 285.50 Td (of ) Tj ET Q q 0 0 0 rg BT 108.37 285.50 Td ($89 ) Tj ET Q q 0 0 0 rg BT 129.91 285.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 171.11 285.50 Td (or ) Tj ET Q q 0 0 0 rg BT 184.65 285.50 Td (43%, ) Tj ET Q q 0 0 0 rg BT 213.18 285.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 264.03 285.50 Td (with ) Tj ET Q q 0 0 0 rg BT 288.90 285.50 Td (the ) Tj ET Q q 0 0 0 rg BT 307.10 285.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 333.96 285.50 Td (year) Tj ET Q q 0 0 0 rg BT 354.13 285.50 Td (, ) Tj ET Q q 0 0 0 rg BT 360.67 285.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 394.86 285.50 Td (by ) Tj ET Q q 0 0 0 rg BT 410.40 285.50 Td (the ) Tj ET Q q 0 0 0 rg BT 428.59 285.50 Td (absence ) Tj ET Q q 0 0 0 rg BT 470.11 285.50 Td (of ) Tj ET Q q 0 0 0 rg BT 483.64 285.50 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 529.82 285.50 Td (from ) Tj ET Q q 0 0 0 rg BT 556.69 285.50 Td (a ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 125.63 271.10 Td (workout.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 250.70 Td (The ) Tj ET Q q 0 0 0 rg BT 71.28 250.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.23 250.70 Td (for ) Tj ET Q q 0 0 0 rg BT 135.84 250.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 165.78 250.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.07 250.70 Td (was ) Tj ET Q q 0 0 0 rg BT 218.35 250.70 Td (a ) Tj ET Q q 0 0 0 rg BT 226.30 250.70 Td (benefit ) Tj ET Q q 0 0 0 rg BT 262.24 250.70 Td (of ) Tj ET Q q 0 0 0 rg BT 274.85 250.70 Td ($48 ) Tj ET Q q 0 0 0 rg BT 295.48 250.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 335.77 250.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 385.70 250.70 Td (with ) Tj ET Q q 0 0 0 rg BT 409.65 250.70 Td (an ) Tj ET Q q 0 0 0 rg BT 423.60 250.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 464.87 250.70 Td (of ) Tj ET Q q 0 0 0 rg BT 477.48 250.70 Td ($43 ) Tj ET Q q 0 0 0 rg BT 498.10 250.70 Td (million ) Tj ET Q q 0 0 0 rg BT 535.39 250.70 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 250.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 236.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 76.43 236.30 Td (year) Tj ET Q q 0 0 0 rg BT 96.41 236.30 Td (. ) Tj ET Q q 0 0 0 rg BT 102.51 236.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 122.94 236.30 Td (char) Tj ET Q q 0 0 0 rg BT 143.37 236.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 168.48 236.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 180.24 236.30 Td (were ) Tj ET Q q 0 0 0 rg BT 206.66 236.30 Td ($28 ) Tj ET Q q 0 0 0 rg BT 227.76 236.30 Td (million ) Tj ET Q q 0 0 0 rg BT 265.53 236.30 Td (\(0.08% ) Tj ET Q q 0 0 0 rg BT 303.62 236.30 Td (net ) Tj ET Q q 0 0 0 rg BT 321.38 236.30 Td (char) Tj ET Q q 0 0 0 rg BT 341.82 236.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 366.92 236.30 Td (f ) Tj ET Q q 0 0 0 rg BT 374.01 236.30 Td (rate\), ) Tj ET Q q 0 0 0 rg BT 402.09 236.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 452.50 236.30 Td (with ) Tj ET Q q 0 0 0 rg BT 476.94 236.30 Td (net ) Tj ET Q q 0 0 0 rg BT 494.70 236.30 Td (char) Tj ET Q q 0 0 0 rg BT 515.13 236.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 540.23 236.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 552.00 236.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 221.90 Td ($25 ) Tj ET Q q 0 0 0 rg BT 70.33 221.90 Td (million ) Tj ET Q q 0 0 0 rg BT 107.33 221.90 Td (\(0.07% ) Tj ET Q q 0 0 0 rg BT 144.65 221.90 Td (net ) Tj ET Q q 0 0 0 rg BT 161.64 221.90 Td (char) Tj ET Q q 0 0 0 rg BT 182.08 221.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 207.18 221.90 Td (f ) Tj ET Q q 0 0 0 rg BT 213.50 221.90 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 237.81 221.90 Td (in ) Tj ET Q q 0 0 0 rg BT 249.48 221.90 Td (the ) Tj ET Q q 0 0 0 rg BT 266.47 221.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 292.13 221.90 Td (year ) Tj ET Q q 0 0 0 rg BT 315.10 221.90 Td (and ) Tj ET Q q 0 0 0 rg BT 334.76 221.90 Td (net ) Tj ET Q q 0 0 0 rg BT 351.75 221.90 Td (char) Tj ET Q q 0 0 0 rg BT 372.18 221.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 397.29 221.90 Td (fs ) Tj ET Q q 0 0 0 rg BT 408.28 221.90 Td (of ) Tj ET Q q 0 0 0 rg BT 420.61 221.90 Td ($5 ) Tj ET Q q 0 0 0 rg BT 434.94 221.90 Td (million ) Tj ET Q q 0 0 0 rg BT 471.94 221.90 Td (\(0.01% ) Tj ET Q q 0 0 0 rg BT 509.26 221.90 Td (net ) Tj ET Q q 0 0 0 rg BT 526.25 221.90 Td (char) Tj ET Q q 0 0 0 rg BT 546.68 221.90 Td (ge-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 207.50 Td (of) Tj ET Q q 0 0 0 rg BT 59.78 207.50 Td (f ) Tj ET Q q 0 0 0 rg BT 67.17 207.50 Td (rate\) ) Tj ET Q q 0 0 0 rg BT 92.53 207.50 Td (in ) Tj ET Q q 0 0 0 rg BT 105.26 207.50 Td (the ) Tj ET Q q 0 0 0 rg BT 123.31 207.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 150.02 207.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 183.34 207.50 Td (. ) Tj ET Q q 0 0 0 rg BT 189.48 207.50 Td (The ) Tj ET Q q 0 0 0 rg BT 211.53 207.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 263.56 207.50 Td (for ) Tj ET Q q 0 0 0 rg BT 280.94 207.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 304.99 207.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 337.05 207.50 Td (to ) Tj ET Q q 0 0 0 rg BT 349.77 207.50 Td (period-end ) Tj ET Q q 0 0 0 rg BT 405.14 207.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 433.86 207.50 Td (retained ) Tj ET Q q 0 0 0 rg BT 475.89 207.50 Td (was ) Tj ET Q q 0 0 0 rg BT 497.94 207.50 Td (1.67%, ) Tj ET Q q 0 0 0 rg BT 535.33 207.50 Td (down ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (from ) Tj ET Q q 0 0 0 rg BT 75.67 193.10 Td (1.97% ) Tj ET Q q 0 0 0 rg BT 109.01 193.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.68 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.69 193.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 163.35 193.10 Td (year ) Tj ET Q q 0 0 0 rg BT 186.34 193.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.01 193.10 Td (down ) Tj ET Q q 0 0 0 rg BT 235.02 193.10 Td (from ) Tj ET Q q 0 0 0 rg BT 260.69 193.10 Td (1.76% ) Tj ET Q q 0 0 0 rg BT 294.03 193.10 Td (in ) Tj ET Q q 0 0 0 rg BT 305.70 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.71 193.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 348.38 193.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 381.69 193.10 Td (. ) Tj ET Q q 0 0 0 rg BT 387.03 193.10 Td (Nonaccrual ) Tj ET Q q 0 0 0 rg BT 444.68 193.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 472.35 193.10 Td (were ) Tj ET Q q 0 0 0 rg BT 498.01 193.10 Td ($331 ) Tj ET Q q 0 0 0 rg BT 524.35 193.10 Td (million, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 178.70 Td (down ) Tj ET Q q 0 0 0 rg BT 79.67 178.70 Td ($183 ) Tj ET Q q 0 0 0 rg BT 106.67 178.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 147.34 178.70 Td (or ) Tj ET Q q 0 0 0 rg BT 160.33 178.70 Td (36%, ) Tj ET Q q 0 0 0 rg BT 188.33 178.70 Td (from ) Tj ET Q q 0 0 0 rg BT 214.65 178.70 Td (the ) Tj ET Q q 0 0 0 rg BT 232.31 178.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 258.64 178.70 Td (year) Tj ET Q q 0 0 0 rg BT 278.81 178.70 Td (, ) Tj ET Q q 0 0 0 rg BT 284.81 178.70 Td (and ) Tj ET Q q 0 0 0 rg BT 305.13 178.70 Td (down ) Tj ET Q q 0 0 0 rg BT 334.80 178.70 Td ($44 ) Tj ET Q q 0 0 0 rg BT 355.80 178.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 396.47 178.70 Td (or ) Tj ET Q q 0 0 0 rg BT 409.47 178.70 Td (12%, ) Tj ET Q q 0 0 0 rg BT 437.46 178.70 Td (from ) Tj ET Q q 0 0 0 rg BT 463.79 178.70 Td (the ) Tj ET Q q 0 0 0 rg BT 481.45 178.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 507.78 178.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 541.09 178.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 158.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.73 158.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.13 158.30 Td (was ) Tj ET Q q 0 0 0 rg BT 171.54 158.30 Td ($666 ) Tj ET Q q 0 0 0 rg BT 198.28 158.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 238.70 158.30 Td (up ) Tj ET Q q 0 0 0 rg BT 253.45 158.30 Td (2% ) Tj ET Q q 0 0 0 rg BT 272.19 158.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 322.24 158.30 Td (with ) Tj ET Q q 0 0 0 rg BT 346.32 158.30 Td (the ) Tj ET Q q 0 0 0 rg BT 363.73 158.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 389.80 158.30 Td (year) Tj ET Q q 0 0 0 rg BT 409.97 158.30 Td (, ) Tj ET Q q 0 0 0 rg BT 415.72 158.30 Td (driven ) Tj ET Q q 0 0 0 rg BT 449.12 158.30 Td (by ) Tj ET Q q 0 0 0 rg BT 463.87 158.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 497.27 158.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 552.68 158.30 Td (in ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 143.90 Td (controls.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 109.10 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 109.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 109.10 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 100.14 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 100.14 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 100.14 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 100.14 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 100.14 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 100.14 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 100.14 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 100.14 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 100.14 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 100.14 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 5.00 0 0 11.91 86.00 77.71 cm /I52 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.00 80.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 80.30 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 80.30 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 80.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 80.30 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 80.30 Td (19% ) Tj ET Q q 0 0 0 rg BT 234.31 80.30 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.31 80.30 Td ($14.0 ) Tj ET Q q 0 0 0 rg BT 279.31 80.30 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 310.65 80.30 Td ( ) Tj ET Q q 0 0 0 rg BT 313.65 80.30 Td (of ) Tj ET Q q 0 0 0 rg BT 326.64 80.30 Td (average ) Tj ET Q q 0 0 0 rg BT 366.95 80.30 Td (allocated ) Tj ET Q q 0 0 0 rg BT 413.25 80.30 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 63.31 cm /I53 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 65.90 Td (Overhead ) Tj ET Q q 0 0 0 rg BT 153.64 65.90 Td (ratio ) Tj ET Q q 0 0 0 rg BT 178.63 65.90 Td (was ) Tj ET Q q 0 0 0 rg BT 200.29 65.90 Td (38%, ) Tj ET Q q 0 0 0 rg BT 228.29 65.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 278.60 65.90 Td (with ) Tj ET Q q 0 0 0 rg BT 302.93 65.90 Td (35% ) Tj ET Q q 0 0 0 rg BT 327.93 65.90 Td (in ) Tj ET Q q 0 0 0 rg BT 340.26 65.90 Td (the ) Tj ET Q q 0 0 0 rg BT 357.92 65.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 384.25 65.90 Td (year) Tj ET Q q 0 0 0 rg BT 404.23 65.90 Td (.) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I54 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (Gross ) Tj ET Q q 0 0 0 rg BT 136.13 740.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 192.92 740.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 235.71 740.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 277.82 740.70 Td (\(which ) Tj ET Q q 0 0 0 rg BT 315.27 740.70 Td (is ) Tj ET Q q 0 0 0 rg BT 327.41 740.70 Td (shared ) Tj ET Q q 0 0 0 rg BT 362.86 740.70 Td (with ) Tj ET Q q 0 0 0 rg BT 388.32 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 407.11 740.70 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 459.22 740.70 Td (& ) Tj ET Q q 0 0 0 rg BT 472.69 740.70 Td (Investment ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 136.19 726.30 Td (was ) Tj ET Q q 0 0 0 rg BT 157.72 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 165.91 726.30 Td (record ) Tj ET Q q 0 0 0 rg BT 199.41 726.30 Td ($557 ) Tj ET Q q 0 0 0 rg BT 226.28 726.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 266.81 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 281.68 726.30 Td (1) Tj ET Q q 0 0 0 rg BT 287.23 726.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 306.09 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 332.28 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 349.80 726.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 375.99 726.30 Td (year ) Tj ET Q q 0 0 0 rg BT 399.51 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 419.70 726.30 Td (up ) Tj ET Q q 0 0 0 rg BT 434.56 726.30 Td (1) Tj ET Q q 0 0 0 rg BT 440.11 726.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 458.97 726.30 Td (from ) Tj ET Q q 0 0 0 rg BT 485.16 726.30 Td (the ) Tj ET Q q 0 0 0 rg BT 502.69 726.30 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 137.32 711.90 Td (. ) Tj ET Q q 0 0 0 rg BT 143.46 711.90 Td ( ) Tj ET Q q 0 0 0 rg BT 146.61 711.90 Td (Record ) Tj ET Q q 0 0 0 rg BT 183.94 711.90 Td (YTD ) Tj ET Q q 0 0 0 rg BT 211.74 711.90 Td (gross ) Tj ET Q q 0 0 0 rg BT 240.23 711.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 296.03 711.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 337.83 711.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 378.95 711.90 Td (was ) Tj ET Q q 0 0 0 rg BT 400.76 711.90 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 424.91 711.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 462.39 711.90 Td (up ) Tj ET Q q 0 0 0 rg BT 477.53 711.90 Td (18% ) Tj ET Q q 0 0 0 rg BT 502.67 711.90 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 697.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 697.50 Td (year) Tj ET Q q 0 0 0 rg BT 167.97 697.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 680.51 cm /I55 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 683.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 683.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 147.15 683.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 171.21 683.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 215.92 683.10 Td (were ) Tj ET Q q 0 0 0 rg BT 242.64 683.10 Td ($145.7 ) Tj ET Q q 0 0 0 rg BT 279.04 683.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 316.78 683.10 Td (up ) Tj ET Q q 0 0 0 rg BT 332.18 683.10 Td (7% ) Tj ET Q q 0 0 0 rg BT 351.58 683.10 Td (from ) Tj ET Q q 0 0 0 rg BT 378.30 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.37 683.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.09 683.10 Td (year ) Tj ET Q q 0 0 0 rg BT 447.14 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.87 683.10 Td (up ) Tj ET Q q 0 0 0 rg BT 483.27 683.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 502.67 683.10 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 668.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 668.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 668.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 651.71 cm /I56 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 654.30 Td (Period-end ) Tj ET Q q 0 0 0 rg BT 159.19 654.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 182.40 654.30 Td (balances ) Tj ET Q q 0 0 0 rg BT 226.25 654.30 Td (were ) Tj ET Q q 0 0 0 rg BT 252.10 654.30 Td ($148.5 ) Tj ET Q q 0 0 0 rg BT 287.64 654.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 324.52 654.30 Td (up ) Tj ET Q q 0 0 0 rg BT 339.06 654.30 Td (8% ) Tj ET Q q 0 0 0 rg BT 357.60 654.30 Td (from ) Tj ET Q q 0 0 0 rg BT 383.47 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 400.67 654.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 426.54 654.30 Td (year ) Tj ET Q q 0 0 0 rg BT 449.73 654.30 Td (and ) Tj ET Q q 0 0 0 rg BT 469.59 654.30 Td (up ) Tj ET Q q 0 0 0 rg BT 484.14 654.30 Td (3% ) Tj ET Q q 0 0 0 rg BT 502.67 654.30 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 639.90 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 639.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 639.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 639.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 622.91 cm /I57 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 625.50 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 625.50 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.78 625.50 Td (client ) Tj ET Q q 0 0 0 rg BT 176.46 625.50 Td (deposits ) Tj ET Q q 0 0 0 rg BT 218.82 625.50 Td (and ) Tj ET Q q 0 0 0 rg BT 239.18 625.50 Td (other ) Tj ET Q q 0 0 0 rg BT 266.86 625.50 Td (third-party ) Tj ET Q q 0 0 0 rg BT 321.20 625.50 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 368.89 625.50 Td (were ) Tj ET Q q 0 0 0 rg BT 395.23 625.50 Td ($208.4 ) Tj ET Q q 0 0 0 rg BT 431.26 625.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 468.63 625.50 Td (up ) Tj ET Q q 0 0 0 rg BT 483.65 625.50 Td (2% ) Tj ET Q q 0 0 0 rg BT 502.68 625.50 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 611.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 611.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 611.10 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 611.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 611.10 Td (up ) Tj ET Q q 0 0 0 rg BT 206.96 611.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 225.96 611.10 Td (from ) Tj ET Q q 0 0 0 rg BT 252.28 611.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.94 611.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 296.27 611.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 329.59 611.10 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 584.70 Td (ASSET MANAGEMENT \(AM\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 574.2 m 50.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 574.2 m 231.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 574.2 m 231.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 574.2 m 276.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 574.2 m 280.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 574.2 m 280.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 574.2 m 325.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 574.2 m 329.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 574.2 m 329.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 574.2 m 374.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 574.2 m 378.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 574.2 m 378.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 574.2 m 423.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 559.2 m 423.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 574.2 m 468.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 559.2 m 468.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 574.2 m 472.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 559.2 m 472.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 574.2 m 472.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 574.2 m 517.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 559.2 m 517.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 574.2 m 562.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 574.2 m 562.5 574.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 559.2 m 562.5 559.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 559.2 m 50.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 544.2 m 231.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 559.2 m 231.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 544.2 m 276.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 544.2 m 280.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 559.2 m 280.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 544.2 m 325.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 544.2 m 329.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 559.2 m 329.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 544.2 m 374.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 544.2 m 378.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 559.2 m 378.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 544.2 m 423.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 559.2 m 423.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 544.2 m 468.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 544.2 m 472.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 559.2 m 472.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 544.2 m 517.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 559.2 m 517.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 559.2 m 562.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 544.2 m 562.5 544.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 544.2 m 50.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 529.2 m 231.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 544.2 m 231.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 529.2 m 276.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 529.2 m 280.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 544.2 m 280.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 529.2 m 325.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 529.2 m 329.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 544.2 m 329.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 529.2 m 374.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 529.2 m 378.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 544.2 m 378.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 529.2 m 423.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 544.2 m 423.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 529.2 m 468.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 529.2 m 472.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 544.2 m 472.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 529.2 m 517.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 544.2 m 517.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 544.2 m 562.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 529.2 m 562.5 529.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 529.2 m 50.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 514.2 m 231.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 529.2 m 231.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 514.2 m 276.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 514.2 m 280.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 529.2 m 280.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 514.2 m 325.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 514.2 m 329.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 529.2 m 329.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 514.2 m 374.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 514.2 m 378.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 529.2 m 378.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 514.2 m 423.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 529.2 m 423.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 514.2 m 468.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 514.2 m 472.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 529.2 m 472.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 514.2 m 517.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 529.2 m 517.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 529.2 m 562.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 514.2 m 562.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 514.2 m 50.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 499.2 m 231.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 514.2 m 231.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 499.2 m 276.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 499.2 m 280.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 514.2 m 280.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 499.2 m 325.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 499.2 m 329.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 514.2 m 329.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 499.2 m 374.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 499.2 m 378.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 514.2 m 378.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 499.2 m 423.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 514.2 m 423.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 499.2 m 468.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 499.2 m 472.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 514.2 m 472.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 499.2 m 517.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 514.2 m 517.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 514.2 m 562.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 514.2 m 562.5 514.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 499.2 m 562.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 499.2 m 50.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 484.2 m 231.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 499.2 m 231.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 484.2 m 276.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 484.2 m 280.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 499.2 m 280.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 484.2 m 325.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 484.2 m 329.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 499.2 m 329.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 484.2 m 374.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 484.2 m 378.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 499.2 m 378.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 484.2 m 423.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 499.2 m 423.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 484.2 m 468.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 484.2 m 472.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 499.2 m 472.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 484.2 m 517.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 499.2 m 517.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 499.2 m 562.5 484.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 484.2 m 562.5 484.2 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 564.07 Td (Results for AM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 564.07 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 564.07 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 549.07 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 549.07 Td (4Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 549.07 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 549.07 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 549.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 549.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 549.07 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 549.07 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 534.07 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 534.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 534.07 Td (3,200) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 534.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 534.07 Td (3,046) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 534.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 534.07 Td (3,200) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 534.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 534.07 Td (154) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 449.65 534.07 Td (5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 534.07 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 534.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 534.07 Td (? Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.15 534.07 Td (? Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 534.07 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 519.07 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 266.80 519.07 Td (3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 315.80 519.07 Td (9) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 359.25 519.07 Td (21) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.10 519.07 Td (\(6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 519.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 519.07 Td (\(67) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 519.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 519.07 Td (\(18) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 519.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 519.07 Td (\(86) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 519.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 504.07 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 504.07 Td (2,320) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 504.07 Td (2,081) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 504.07 Td (2,245) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 504.07 Td (239) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 444.15 504.07 Td (11) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 502.25 504.07 Td (75) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 543.65 504.07 Td (3) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 489.07 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 489.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 489.07 Td (540) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 489.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 489.07 Td (590) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 489.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 489.07 Td (581) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 489.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 404.60 489.07 Td (\(50) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 489.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 489.07 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 489.07 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 489.07 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 489.07 Td (\(41) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 489.07 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 489.07 Td (\(7) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 489.07 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 455.90 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.02 455.90 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 441.50 Td (Net ) Tj ET Q q 0 0 0 rg BT 71.83 441.50 Td (income ) Tj ET Q q 0 0 0 rg BT 111.66 441.50 Td (was ) Tj ET Q q 0 0 0 rg BT 134.83 441.50 Td ($540 ) Tj ET Q q 0 0 0 rg BT 163.34 441.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 205.52 441.50 Td (a ) Tj ET Q q 0 0 0 rg BT 215.35 441.50 Td (decrease ) Tj ET Q q 0 0 0 rg BT 261.16 441.50 Td (of ) Tj ET Q q 0 0 0 rg BT 275.66 441.50 Td ($41 ) Tj ET Q q 0 0 0 rg BT 298.17 441.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 340.35 441.50 Td (or ) Tj ET Q q 0 0 0 rg BT 354.85 441.50 Td (7%, ) Tj ET Q q 0 0 0 rg BT 378.35 441.50 Td (from ) Tj ET Q q 0 0 0 rg BT 406.19 441.50 Td (the ) Tj ET Q q 0 0 0 rg BT 425.36 441.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 453.19 441.50 Td (year) Tj ET Q q 0 0 0 rg BT 473.36 441.50 Td (, ) Tj ET Q q 0 0 0 rg BT 480.87 441.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 531.35 441.50 Td (higher ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 106.32 427.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 150.97 427.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 193.95 427.10 Td (of) Tj ET Q q 0 0 0 rg BT 203.73 427.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 224.06 427.10 Td (by ) Tj ET Q q 0 0 0 rg BT 239.06 427.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 269.38 427.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 317.71 427.10 Td (for ) Tj ET Q q 0 0 0 rg BT 334.71 427.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 365.02 427.10 Td (losses.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 406.70 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.04 406.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 110.73 406.70 Td (was ) Tj ET Q q 0 0 0 rg BT 132.10 406.70 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 155.81 406.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 192.86 406.70 Td (flat ) Tj ET Q q 0 0 0 rg BT 211.57 406.70 Td (to ) Tj ET Q q 0 0 0 rg BT 223.61 406.70 Td (the ) Tj ET Q q 0 0 0 rg BT 240.99 406.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 267.03 406.70 Td (year) Tj ET Q q 0 0 0 rg BT 287.01 406.70 Td (. ) Tj ET Q q 0 0 0 rg BT 292.72 406.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 351.42 406.70 Td (revenue ) Tj ET Q q 0 0 0 rg BT 392.11 406.70 Td (was ) Tj ET Q q 0 0 0 rg BT 413.49 406.70 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 437.20 406.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 474.25 406.70 Td (down ) Tj ET Q q 0 0 0 rg BT 503.63 406.70 Td ($26 ) Tj ET Q q 0 0 0 rg BT 524.34 406.70 Td (million, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 392.30 Td (or ) Tj ET Q q 0 0 0 rg BT 62.81 392.30 Td (1%, ) Tj ET Q q 0 0 0 rg BT 84.62 392.30 Td (from ) Tj ET Q q 0 0 0 rg BT 110.76 392.30 Td (the ) Tj ET Q q 0 0 0 rg BT 128.24 392.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 154.38 392.30 Td (year) Tj ET Q q 0 0 0 rg BT 174.55 392.30 Td (, ) Tj ET Q q 0 0 0 rg BT 180.37 392.30 Td (due ) Tj ET Q q 0 0 0 rg BT 200.51 392.30 Td (to ) Tj ET Q q 0 0 0 rg BT 212.66 392.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 242.79 392.30 Td (valuations ) Tj ET Q q 0 0 0 rg BT 294.93 392.30 Td (of ) Tj ET Q q 0 0 0 rg BT 307.75 392.30 Td (seed ) Tj ET Q q 0 0 0 rg BT 331.88 392.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 366.68 392.30 Td (investments, ) Tj ET Q q 0 0 0 rg BT 429.82 392.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 502.62 392.30 Td (of) Tj ET Q q 0 0 0 rg BT 512.40 392.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 532.54 392.30 Td (by ) Tj ET Q q 0 0 0 rg BT 547.36 392.30 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 377.90 Td (client ) Tj ET Q q 0 0 0 rg BT 80.61 377.90 Td (inflows. ) Tj ET Q q 0 0 0 rg BT 123.57 377.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 144.85 377.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 184.13 377.90 Td (income ) Tj ET Q q 0 0 0 rg BT 223.40 377.90 Td (was ) Tj ET Q q 0 0 0 rg BT 246.02 377.90 Td ($632 ) Tj ET Q q 0 0 0 rg BT 273.98 377.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 315.61 377.90 Td (up ) Tj ET Q q 0 0 0 rg BT 331.56 377.90 Td ($26million, ) Tj ET Q q 0 0 0 rg BT 394.19 377.90 Td (or ) Tj ET Q q 0 0 0 rg BT 408.14 377.90 Td (4%, ) Tj ET Q q 0 0 0 rg BT 431.09 377.90 Td (from ) Tj ET Q q 0 0 0 rg BT 458.38 377.90 Td (the ) Tj ET Q q 0 0 0 rg BT 476.99 377.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 504.28 377.90 Td (year) Tj ET Q q 0 0 0 rg BT 524.44 377.90 Td (, ) Tj ET Q q 0 0 0 rg BT 531.40 377.90 Td (due ) Tj ET Q q 0 0 0 rg BT 552.68 377.90 Td (to ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 363.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 83.66 363.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 107.32 363.50 Td (and ) Tj ET Q q 0 0 0 rg BT 127.64 363.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 165.31 363.50 Td (balances, ) Tj ET Q q 0 0 0 rg BT 212.62 363.50 Td (partially ) Tj ET Q q 0 0 0 rg BT 255.60 363.50 Td (of) Tj ET Q q 0 0 0 rg BT 265.38 363.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 285.71 363.50 Td (by ) Tj ET Q q 0 0 0 rg BT 300.71 363.50 Td (spread ) Tj ET Q q 0 0 0 rg BT 335.02 363.50 Td (compression.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 95.68 343.10 Td (from ) Tj ET Q q 0 0 0 rg BT 122.71 343.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 159.07 343.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 216.09 343.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 282.43 343.10 Td (was ) Tj ET Q q 0 0 0 rg BT 304.79 343.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 329.50 343.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 367.53 343.10 Td (down ) Tj ET Q q 0 0 0 rg BT 397.90 343.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 417.59 343.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 468.60 343.10 Td (with ) Tj ET Q q 0 0 0 rg BT 493.64 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.00 343.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.02 343.10 Td (year) Tj ET Q q 0 0 0 rg BT 559.01 343.10 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 328.70 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 94.98 328.70 Td (from ) Tj ET Q q 0 0 0 rg BT 121.31 328.70 Td (Global ) Tj ET Q q 0 0 0 rg BT 156.75 328.70 Td (W) Tj ET Q q 0 0 0 rg BT 167.12 328.70 Td (ealth ) Tj ET Q q 0 0 0 rg BT 193.44 328.70 Td (Management ) Tj ET Q q 0 0 0 rg BT 259.08 328.70 Td (was ) Tj ET Q q 0 0 0 rg BT 280.74 328.70 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 304.74 328.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 342.08 328.70 Td (up ) Tj ET Q q 0 0 0 rg BT 357.08 328.70 Td (4% ) Tj ET Q q 0 0 0 rg BT 376.07 328.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 426.38 328.70 Td (with ) Tj ET Q q 0 0 0 rg BT 450.72 328.70 Td (the ) Tj ET Q q 0 0 0 rg BT 468.38 328.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 494.70 328.70 Td (year) Tj ET Q q 0 0 0 rg BT 514.69 328.70 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 308.30 Td (Client ) Tj ET Q q 0 0 0 rg BT 82.50 308.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 113.66 308.30 Td (were ) Tj ET Q q 0 0 0 rg BT 140.14 308.30 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 164.30 308.30 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 203.14 308.30 Td (an ) Tj ET Q q 0 0 0 rg BT 217.63 308.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 260.10 308.30 Td (of ) Tj ET Q q 0 0 0 rg BT 273.26 308.30 Td ($44 ) Tj ET Q q 0 0 0 rg BT 294.43 308.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 331.93 308.30 Td (or ) Tj ET Q q 0 0 0 rg BT 345.09 308.30 Td (2%, ) Tj ET Q q 0 0 0 rg BT 367.25 308.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 417.72 308.30 Td (with ) Tj ET Q q 0 0 0 rg BT 442.22 308.30 Td (the ) Tj ET Q q 0 0 0 rg BT 460.05 308.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 486.54 308.30 Td (year) Tj ET Q q 0 0 0 rg BT 506.53 308.30 Td (. ) Tj ET Q q 0 0 0 rg BT 512.69 308.30 Td (Excluding ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 293.90 Td (Retirement ) Tj ET Q q 0 0 0 rg BT 105.90 293.90 Td (Plan ) Tj ET Q q 0 0 0 rg BT 129.81 293.90 Td (Services, ) Tj ET Q q 0 0 0 rg BT 176.05 293.90 Td (client ) Tj ET Q q 0 0 0 rg BT 205.29 293.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 235.86 293.90 Td (were ) Tj ET Q q 0 0 0 rg BT 261.76 293.90 Td (up ) Tj ET Q q 0 0 0 rg BT 276.34 293.90 Td (8% ) Tj ET Q q 0 0 0 rg BT 294.92 293.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 344.81 293.90 Td (with ) Tj ET Q q 0 0 0 rg BT 368.73 293.90 Td (the ) Tj ET Q q 0 0 0 rg BT 385.97 293.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 411.88 293.90 Td (year) Tj ET Q q 0 0 0 rg BT 431.87 293.90 Td (. ) Tj ET Q q 0 0 0 rg BT 436.88 293.90 Td (Assets ) Tj ET Q q 0 0 0 rg BT 470.80 293.90 Td (under ) Tj ET Q q 0 0 0 rg BT 500.70 293.90 Td (management ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 279.50 Td (were ) Tj ET Q q 0 0 0 rg BT 76.77 279.50 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 101.22 279.50 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 140.34 279.50 Td (an ) Tj ET Q q 0 0 0 rg BT 155.12 279.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 197.88 279.50 Td (of ) Tj ET Q q 0 0 0 rg BT 211.33 279.50 Td ($146 ) Tj ET Q q 0 0 0 rg BT 238.79 279.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 276.58 279.50 Td (or ) Tj ET Q q 0 0 0 rg BT 290.03 279.50 Td (9%, ) Tj ET Q q 0 0 0 rg BT 312.48 279.50 Td (from ) Tj ET Q q 0 0 0 rg BT 339.26 279.50 Td (the ) Tj ET Q q 0 0 0 rg BT 357.37 279.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 384.15 279.50 Td (year) Tj ET Q q 0 0 0 rg BT 404.32 279.50 Td (, ) Tj ET Q q 0 0 0 rg BT 410.77 279.50 Td (due ) Tj ET Q q 0 0 0 rg BT 431.55 279.50 Td (to ) Tj ET Q q 0 0 0 rg BT 444.34 279.50 Td (net ) Tj ET Q q 0 0 0 rg BT 462.46 279.50 Td (inflows ) Tj ET Q q 0 0 0 rg BT 501.91 279.50 Td (to ) Tj ET Q q 0 0 0 rg BT 514.70 279.50 Td (long-term ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (products ) Tj ET Q q 0 0 0 rg BT 94.33 265.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.65 265.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.31 265.10 Td (ef) Tj ET Q q 0 0 0 rg BT 141.42 265.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 162.40 265.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.40 265.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 209.05 265.10 Td (market ) Tj ET Q q 0 0 0 rg BT 245.37 265.10 Td (levels. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 244.70 Td (The ) Tj ET Q q 0 0 0 rg BT 71.66 244.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 119.99 244.70 Td (for ) Tj ET Q q 0 0 0 rg BT 136.98 244.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.30 244.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 198.97 244.70 Td (was ) Tj ET Q q 0 0 0 rg BT 220.63 244.70 Td ($3 ) Tj ET Q q 0 0 0 rg BT 235.63 244.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 276.30 244.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 326.61 244.70 Td (with ) Tj ET Q q 0 0 0 rg BT 350.94 244.70 Td ($21 ) Tj ET Q q 0 0 0 rg BT 371.94 244.70 Td (million ) Tj ET Q q 0 0 0 rg BT 409.61 244.70 Td (in ) Tj ET Q q 0 0 0 rg BT 421.95 244.70 Td (the ) Tj ET Q q 0 0 0 rg BT 439.61 244.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 465.93 244.70 Td (year) Tj ET Q q 0 0 0 rg BT 485.92 244.70 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 224.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.67 224.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.00 224.30 Td (was ) Tj ET Q q 0 0 0 rg BT 171.34 224.30 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 195.03 224.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 232.04 224.30 Td (an ) Tj ET Q q 0 0 0 rg BT 246.05 224.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 288.04 224.30 Td (of ) Tj ET Q q 0 0 0 rg BT 300.72 224.30 Td ($75 ) Tj ET Q q 0 0 0 rg BT 321.40 224.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 361.75 224.30 Td (or ) Tj ET Q q 0 0 0 rg BT 374.43 224.30 Td (3%, ) Tj ET Q q 0 0 0 rg BT 396.11 224.30 Td (from ) Tj ET Q q 0 0 0 rg BT 422.12 224.30 Td (the ) Tj ET Q q 0 0 0 rg BT 439.46 224.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 465.47 224.30 Td (year) Tj ET Q q 0 0 0 rg BT 485.63 224.30 Td (, ) Tj ET Q q 0 0 0 rg BT 491.32 224.30 Td (as ) Tj ET Q q 0 0 0 rg BT 503.99 224.30 Td (the ) Tj ET Q q 0 0 0 rg BT 521.34 224.30 Td (business ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 209.90 Td (continues ) Tj ET Q q 0 0 0 rg BT 98.99 209.90 Td (to ) Tj ET Q q 0 0 0 rg BT 111.32 209.90 Td (invest ) Tj ET Q q 0 0 0 rg BT 142.99 209.90 Td (in ) Tj ET Q q 0 0 0 rg BT 155.32 209.90 Td (both ) Tj ET Q q 0 0 0 rg BT 179.66 209.90 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 247.29 209.90 Td (and ) Tj ET Q q 0 0 0 rg BT 267.62 209.90 Td (controls.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 171.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 71.66 171.50 Td (Metrics ) Tj ET Q q 0 0 0 rg BT 111.99 171.50 Td (and ) Tj ET Q q 0 0 0 rg BT 133.66 171.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 180.68 171.50 Td (Updates:) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 50.00 162.54 Td (\(All ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 64.08 162.54 Td (comparisons ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 106.77 162.54 Td (refer ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 124.31 162.54 Td (to ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 132.32 162.54 Td (the ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 144.24 162.54 Td (prior-year ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 178.68 162.54 Td (quarter ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 204.46 162.54 Td (except ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 226.76 162.54 Td (as ) Tj ET Q BT /F4 7.80 Tf ET q 0 0 0 rg BT 235.65 162.54 Td (noted\)) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 140.11 cm /I58 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 142.70 Td (Return ) Tj ET Q q 0 0 0 rg BT 139.66 142.70 Td (on ) Tj ET Q q 0 0 0 rg BT 154.66 142.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 187.65 142.70 Td (was ) Tj ET Q q 0 0 0 rg BT 209.32 142.70 Td (23% ) Tj ET Q q 0 0 0 rg BT 234.31 142.70 Td (on ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 249.31 142.70 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 273.31 142.70 Td (billion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 304.65 142.70 Td ( ) Tj ET Q q 0 0 0 rg BT 307.65 142.70 Td (of ) Tj ET Q q 0 0 0 rg BT 320.64 142.70 Td (average ) Tj ET Q q 0 0 0 rg BT 360.95 142.70 Td (allocated ) Tj ET Q q 0 0 0 rg BT 407.25 142.70 Td (capital.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 125.71 cm /I59 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 128.30 Td (Pretax ) Tj ET Q q 0 0 0 rg BT 137.66 128.30 Td (mar) Tj ET Q q 0 0 0 rg BT 156.10 128.30 Td (gin ) Tj ET Q q 0 0 0 rg BT 174.43 128.30 Td (was ) Tj ET Q q 0 0 0 rg BT 196.09 128.30 Td (27%, ) Tj ET Q q 0 0 0 rg BT 224.09 128.30 Td (down ) Tj ET Q q 0 0 0 rg BT 253.75 128.30 Td (from ) Tj ET Q q 0 0 0 rg BT 280.08 128.30 Td (29% ) Tj ET Q q 0 0 0 rg BT 305.08 128.30 Td (in ) Tj ET Q q 0 0 0 rg BT 317.41 128.30 Td (the ) Tj ET Q q 0 0 0 rg BT 335.07 128.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 361.40 128.30 Td (year) Tj ET Q q 0 0 0 rg BT 381.38 128.30 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 111.31 cm /I60 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 113.90 Td (For ) Tj ET Q q 0 0 0 rg BT 124.85 113.90 Td (the ) Tj ET Q q 0 0 0 rg BT 143.69 113.90 Td (12 ) Tj ET Q q 0 0 0 rg BT 159.86 113.90 Td (months ) Tj ET Q q 0 0 0 rg BT 199.38 113.90 Td (ended ) Tj ET Q q 0 0 0 rg BT 232.21 113.90 Td (December ) Tj ET Q q 0 0 0 rg BT 285.69 113.90 Td (31, ) Tj ET Q q 0 0 0 rg BT 304.87 113.90 Td (2014, ) Tj ET Q q 0 0 0 rg BT 336.04 113.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 368.22 113.90 Td (under ) Tj ET Q q 0 0 0 rg BT 399.72 113.90 Td (management ) Tj ET Q q 0 0 0 rg BT 465.20 113.90 Td (reflected ) Tj ET Q q 0 0 0 rg BT 511.34 113.90 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 99.50 Td (inflows ) Tj ET Q q 0 0 0 rg BT 142.52 99.50 Td (of ) Tj ET Q q 0 0 0 rg BT 155.03 99.50 Td ($98 ) Tj ET Q q 0 0 0 rg BT 175.54 99.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 212.39 99.50 Td (driven ) Tj ET Q q 0 0 0 rg BT 245.56 99.50 Td (by ) Tj ET Q q 0 0 0 rg BT 260.08 99.50 Td (net ) Tj ET Q q 0 0 0 rg BT 277.25 99.50 Td (inflows ) Tj ET Q q 0 0 0 rg BT 315.77 99.50 Td (of ) Tj ET Q q 0 0 0 rg BT 328.28 99.50 Td ($80 ) Tj ET Q q 0 0 0 rg BT 348.80 99.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 382.65 99.50 Td (to ) Tj ET Q q 0 0 0 rg BT 394.50 99.50 Td (long-term ) Tj ET Q q 0 0 0 rg BT 444.33 99.50 Td (products ) Tj ET Q q 0 0 0 rg BT 488.17 99.50 Td (and ) Tj ET Q q 0 0 0 rg BT 508.01 99.50 Td ($18 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 85.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 138.54 85.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.08 85.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 194.96 85.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 242.49 85.10 Td (For ) Tj ET Q q 0 0 0 rg BT 262.37 85.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.24 85.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 313.73 85.10 Td (, ) Tj ET Q q 0 0 0 rg BT 319.94 85.10 Td (net ) Tj ET Q q 0 0 0 rg BT 337.81 85.10 Td (inflows ) Tj ET Q q 0 0 0 rg BT 377.01 85.10 Td (were ) Tj ET Q q 0 0 0 rg BT 403.53 85.10 Td ($37 ) Tj ET Q q 0 0 0 rg BT 424.74 85.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 462.28 85.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 496.15 85.10 Td (by ) Tj ET Q q 0 0 0 rg BT 511.35 85.10 Td (net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 70.70 Td (inflows ) Tj ET Q q 0 0 0 rg BT 143.00 70.70 Td (of ) Tj ET Q q 0 0 0 rg BT 156.00 70.70 Td ($27 ) Tj ET Q q 0 0 0 rg BT 177.00 70.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 211.33 70.70 Td (to ) Tj ET Q q 0 0 0 rg BT 223.67 70.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 267.34 70.70 Td (products ) Tj ET Q q 0 0 0 rg BT 311.66 70.70 Td (and ) Tj ET Q q 0 0 0 rg BT 331.99 70.70 Td ($10 ) Tj ET Q q 0 0 0 rg BT 352.99 70.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 387.32 70.70 Td (to ) Tj ET Q q 0 0 0 rg BT 399.66 70.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 449.98 70.70 Td (products.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 53.71 cm /I61 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 56.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 124.33 56.30 Td (long-term ) Tj ET Q q 0 0 0 rg BT 174.65 56.30 Td (client ) Tj ET Q q 0 0 0 rg BT 204.30 56.30 Td (flows ) Tj ET Q q 0 0 0 rg BT 233.97 56.30 Td (were ) Tj ET Q q 0 0 0 rg BT 260.28 56.30 Td (positive ) Tj ET Q q 0 0 0 rg BT 301.28 56.30 Td (for ) Tj ET Q q 0 0 0 rg BT 318.27 56.30 Td (the ) Tj ET Q q 0 0 0 rg BT 335.93 56.30 Td (twenty-third ) Tj ET Q q 0 0 0 rg BT 398.25 56.30 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 457.89 56.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 491.21 56.30 Td (.) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 738.11 cm /I62 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 740.70 Td (Assets ) Tj ET Q q 0 0 0 rg BT 139.29 740.70 Td (under ) Tj ET Q q 0 0 0 rg BT 170.56 740.70 Td (management ) Tj ET Q q 0 0 0 rg BT 235.82 740.70 Td (ranked ) Tj ET Q q 0 0 0 rg BT 272.42 740.70 Td (in ) Tj ET Q q 0 0 0 rg BT 285.70 740.70 Td (the ) Tj ET Q q 0 0 0 rg BT 304.31 740.70 Td (top ) Tj ET Q q 0 0 0 rg BT 323.60 740.70 Td (two ) Tj ET Q q 0 0 0 rg BT 345.55 740.70 Td (quartiles ) Tj ET Q q 0 0 0 rg BT 390.82 740.70 Td (for ) Tj ET Q q 0 0 0 rg BT 408.76 740.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 465.37 740.70 Td (performance ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 726.30 Td (were ) Tj ET Q q 0 0 0 rg BT 130.31 726.30 Td (76% ) Tj ET Q q 0 0 0 rg BT 155.31 726.30 Td (over ) Tj ET Q q 0 0 0 rg BT 179.63 726.30 Td (5 ) Tj ET Q q 0 0 0 rg BT 188.63 726.30 Td (years, ) Tj ET Q q 0 0 0 rg BT 219.95 726.30 Td (72% ) Tj ET Q q 0 0 0 rg BT 244.95 726.30 Td (over ) Tj ET Q q 0 0 0 rg BT 269.27 726.30 Td (3 ) Tj ET Q q 0 0 0 rg BT 278.27 726.30 Td (years ) Tj ET Q q 0 0 0 rg BT 306.59 726.30 Td (and ) Tj ET Q q 0 0 0 rg BT 326.91 726.30 Td (72% ) Tj ET Q q 0 0 0 rg BT 351.91 726.30 Td (over ) Tj ET Q q 0 0 0 rg BT 376.23 726.30 Td (1 ) Tj ET Q q 0 0 0 rg BT 385.23 726.30 Td (year) Tj ET Q q 0 0 0 rg BT 405.22 726.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 709.31 cm /I63 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 711.90 Td (Customer ) Tj ET Q q 0 0 0 rg BT 153.66 711.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 184.66 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 196.99 711.90 Td (4 ) Tj ET Q q 0 0 0 rg BT 205.99 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 226.32 711.90 Td (5 ) Tj ET Q q 0 0 0 rg BT 235.32 711.90 Td (Star) Tj ET Q q 0 0 0 rg BT 254.41 711.90 Td (-rated ) Tj ET Q q 0 0 0 rg BT 285.39 711.90 Td (funds ) Tj ET Q q 0 0 0 rg BT 315.05 711.90 Td (were ) Tj ET Q q 0 0 0 rg BT 341.37 711.90 Td (52% ) Tj ET Q q 0 0 0 rg BT 366.37 711.90 Td (of ) Tj ET Q q 0 0 0 rg BT 379.36 711.90 Td (all ) Tj ET Q q 0 0 0 rg BT 394.36 711.90 Td (rated ) Tj ET Q q 0 0 0 rg BT 421.34 711.90 Td (mutual ) Tj ET Q q 0 0 0 rg BT 457.67 711.90 Td (fund ) Tj ET Q q 0 0 0 rg BT 482.66 711.90 Td (assets. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 694.91 cm /I64 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 697.50 Td (Client ) Tj ET Q q 0 0 0 rg BT 135.20 697.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 165.07 697.50 Td (were ) Tj ET Q q 0 0 0 rg BT 190.25 697.50 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 213.13 697.50 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 250.66 697.50 Td (up ) Tj ET Q q 0 0 0 rg BT 264.53 697.50 Td (2% ) Tj ET Q q 0 0 0 rg BT 282.40 697.50 Td (from ) Tj ET Q q 0 0 0 rg BT 307.60 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 324.13 697.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 349.32 697.50 Td (year ) Tj ET Q q 0 0 0 rg BT 371.84 697.50 Td (and ) Tj ET Q q 0 0 0 rg BT 391.04 697.50 Td (up ) Tj ET Q q 0 0 0 rg BT 404.91 697.50 Td (2% ) Tj ET Q q 0 0 0 rg BT 422.78 697.50 Td (from ) Tj ET Q q 0 0 0 rg BT 447.97 697.50 Td (the ) Tj ET Q q 0 0 0 rg BT 464.50 697.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 489.70 697.50 Td (quarter) Tj ET Q q 0 0 0 rg BT 523.02 697.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 680.51 cm /I65 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 683.10 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 683.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 146.45 683.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.47 683.10 Td (were ) Tj ET Q q 0 0 0 rg BT 200.48 683.10 Td ($103.3 ) Tj ET Q q 0 0 0 rg BT 236.18 683.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 273.21 683.10 Td (a ) Tj ET Q q 0 0 0 rg BT 281.24 683.10 Td (record, ) Tj ET Q q 0 0 0 rg BT 317.58 683.10 Td (up ) Tj ET Q q 0 0 0 rg BT 332.28 683.10 Td (1) Tj ET Q q 0 0 0 rg BT 337.83 683.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 356.52 683.10 Td (from ) Tj ET Q q 0 0 0 rg BT 382.55 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.90 683.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 425.93 683.10 Td (year ) Tj ET Q q 0 0 0 rg BT 449.27 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.29 683.10 Td (up ) Tj ET Q q 0 0 0 rg BT 483.99 683.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 502.68 683.10 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 668.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 668.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 668.70 Td (. ) Tj ET Q BT /F1 12.00 Tf ET /GS0 gs q 18.00 0 0 11.91 86.00 651.71 cm /I66 Do Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 654.30 Td (A) Tj ET Q q 0 0 0 rg BT 111.78 654.30 Td (verage ) Tj ET Q q 0 0 0 rg BT 145.92 654.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 187.42 654.30 Td (were ) Tj ET Q q 0 0 0 rg BT 212.90 654.30 Td ($152.0 ) Tj ET Q q 0 0 0 rg BT 248.07 654.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 284.57 654.30 Td (a ) Tj ET Q q 0 0 0 rg BT 292.07 654.30 Td (record, ) Tj ET Q q 0 0 0 rg BT 327.88 654.30 Td (up ) Tj ET Q q 0 0 0 rg BT 342.05 654.30 Td (6% ) Tj ET Q q 0 0 0 rg BT 360.21 654.30 Td (from ) Tj ET Q q 0 0 0 rg BT 385.71 654.30 Td (the ) Tj ET Q q 0 0 0 rg BT 402.54 654.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 428.03 654.30 Td (year ) Tj ET Q q 0 0 0 rg BT 450.85 654.30 Td (and ) Tj ET Q q 0 0 0 rg BT 470.34 654.30 Td (up ) Tj ET Q q 0 0 0 rg BT 484.51 654.30 Td (1% ) Tj ET Q q 0 0 0 rg BT 502.67 654.30 Td (from ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 104.00 639.90 Td (the ) Tj ET Q q 0 0 0 rg BT 121.66 639.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 147.99 639.90 Td (quarter) Tj ET Q q 0 0 0 rg BT 181.30 639.90 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 602.10 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 106.02 602.10 Td (TE/PRIV) Tj ET Q q 0 0 0 rg BT 151.80 602.10 Td (A) Tj ET Q q 0 0 0 rg BT 159.14 602.10 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 50.5 591.6 m 50.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 591.6 m 231.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 591.6 m 231.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 591.6 m 276.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 591.6 m 280.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 591.6 m 280.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 591.6 m 325.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 591.6 m 329.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 591.6 m 329.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 591.6 m 374.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 591.6 m 378.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 591.6 m 378.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 591.6 m 423.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 564.6 m 423.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 591.6 m 468.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 564.6 m 468.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 591.6 m 472.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 564.6 m 472.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 591.6 m 472.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 591.6 m 517.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 564.6 m 517.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 591.6 m 562.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 591.6 m 562.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 564.6 m 562.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 564.6 m 50.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 549.6 m 231.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 564.6 m 231.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 549.6 m 276.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 549.6 m 280.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 564.6 m 280.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 549.6 m 325.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 549.6 m 329.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 564.6 m 329.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 549.6 m 374.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 549.6 m 378.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 564.6 m 378.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 549.6 m 423.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 564.6 m 423.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 549.6 m 468.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 549.6 m 472.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 564.6 m 472.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 549.6 m 517.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 564.6 m 517.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 564.6 m 562.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 549.6 m 562.5 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 549.6 m 50.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 534.6 m 231.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 549.6 m 231.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 534.6 m 276.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 534.6 m 280.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 549.6 m 280.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 534.6 m 325.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 534.6 m 329.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 549.6 m 329.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 534.6 m 374.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 534.6 m 378.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 549.6 m 378.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 534.6 m 423.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 549.6 m 423.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 534.6 m 468.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 534.6 m 472.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 549.6 m 472.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 534.6 m 517.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 549.6 m 517.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 549.6 m 562.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 534.6 m 562.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 534.6 m 50.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 519.6 m 231.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 534.6 m 231.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 519.6 m 276.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 519.6 m 280.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 534.6 m 280.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 519.6 m 325.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 519.6 m 329.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 534.6 m 329.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 519.6 m 374.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 519.6 m 378.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 534.6 m 378.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 519.6 m 423.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 534.6 m 423.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 534.6 m 468.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 519.6 m 468.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 519.6 m 472.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 534.6 m 472.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 519.6 m 517.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 534.6 m 517.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 534.6 m 562.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 534.6 m 562.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 519.6 m 562.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 519.6 m 50.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 504.6 m 231.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 519.6 m 231.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 504.6 m 276.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 504.6 m 280.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 519.6 m 280.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 504.6 m 325.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 504.6 m 329.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 519.6 m 329.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 504.6 m 374.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 504.6 m 378.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 519.6 m 378.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 504.6 m 423.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 519.6 m 423.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 504.6 m 468.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 504.6 m 472.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 519.6 m 472.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 504.6 m 517.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 519.6 m 517.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 519.6 m 562.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 519.6 m 562.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 504.6 m 562.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 504.6 m 50.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 489.6 m 231.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 504.6 m 231.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 489.6 m 276.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 489.6 m 280.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 504.6 m 280.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 489.6 m 325.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 489.6 m 329.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 504.6 m 329.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 489.6 m 374.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 489.6 m 378.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 504.6 m 378.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 489.6 m 423.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 504.6 m 423.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 489.6 m 468.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 489.6 m 472.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 504.6 m 472.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 489.6 m 517.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 504.6 m 517.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 504.6 m 562.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 489.6 m 562.5 489.6 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 580.52 Td (Results for ) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 569.52 Td (Corporate/Private Equity) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 569.52 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 569.52 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 554.47 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 554.47 Td (4Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 554.47 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 554.47 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 554.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 554.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 554.47 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 554.47 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 539.47 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 539.47 Td (247) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 306.60 539.47 Td (\(75) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 539.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 539.47 Td (1,440) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 539.47 Td (322) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.25 539.47 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 539.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 484.85 539.47 Td (\(1,193) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 539.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 534.45 539.47 Td (\(83) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 539.47 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 524.47 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 263.10 524.47 Td (\(6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 272.30 524.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 312.10 524.47 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 321.30 524.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 355.60 524.47 Td (\(13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 370.30 524.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 413.80 524.47 Td (2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 447.80 524.47 Td (25) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 524.47 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 507.80 524.47 Td (7) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 538.15 524.47 Td (54) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 509.47 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 509.47 Td (436) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 509.47 Td (709) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 509.47 Td (441) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 509.47 Td (\(273) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 509.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 444.10 509.47 Td (\(39) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 509.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.10 509.47 Td (\(5) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 509.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 509.47 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 509.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 494.47 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 494.47 Td (547) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 310.25 494.47 Td (95) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 494.47 Td (597) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 402.75 494.47 Td (452) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 442.30 494.47 Td (476) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 458.80 494.47 Td (%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 494.47 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 498.60 494.47 Td (\(50) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 494.47 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 494.47 Td (\(8) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 494.47 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 461.30 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 446.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.33 446.90 Td (income ) Tj ET Q q 0 0 0 rg BT 108.65 446.90 Td (was ) Tj ET Q q 0 0 0 rg BT 130.31 446.90 Td ($547 ) Tj ET Q q 0 0 0 rg BT 157.31 446.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 197.98 446.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 248.29 446.90 Td (with ) Tj ET Q q 0 0 0 rg BT 272.62 446.90 Td (net ) Tj ET Q q 0 0 0 rg BT 290.28 446.90 Td (income ) Tj ET Q q 0 0 0 rg BT 328.60 446.90 Td (of ) Tj ET Q q 0 0 0 rg BT 341.60 446.90 Td ($597 ) Tj ET Q q 0 0 0 rg BT 368.60 446.90 Td (million ) Tj ET Q q 0 0 0 rg BT 406.27 446.90 Td (in ) Tj ET Q q 0 0 0 rg BT 418.60 446.90 Td (the ) Tj ET Q q 0 0 0 rg BT 436.26 446.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 462.59 446.90 Td (year) Tj ET Q q 0 0 0 rg BT 482.57 446.90 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 426.50 Td (Private ) Tj ET Q q 0 0 0 rg BT 87.27 426.50 Td (Equity ) Tj ET Q q 0 0 0 rg BT 122.55 426.50 Td (reported ) Tj ET Q q 0 0 0 rg BT 165.81 426.50 Td (net ) Tj ET Q q 0 0 0 rg BT 183.75 426.50 Td (income ) Tj ET Q q 0 0 0 rg BT 222.35 426.50 Td (of ) Tj ET Q q 0 0 0 rg BT 235.63 426.50 Td ($107 ) Tj ET Q q 0 0 0 rg BT 262.91 426.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 303.86 426.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 354.45 426.50 Td (with ) Tj ET Q q 0 0 0 rg BT 379.07 426.50 Td (net ) Tj ET Q q 0 0 0 rg BT 397.01 426.50 Td (income ) Tj ET Q q 0 0 0 rg BT 435.61 426.50 Td (of ) Tj ET Q q 0 0 0 rg BT 448.89 426.50 Td ($13 ) Tj ET Q q 0 0 0 rg BT 470.17 426.50 Td (million ) Tj ET Q q 0 0 0 rg BT 508.12 426.50 Td (in ) Tj ET Q q 0 0 0 rg BT 520.74 426.50 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 426.50 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (year) Tj ET Q q 0 0 0 rg BT 70.17 412.10 Td (, ) Tj ET Q q 0 0 0 rg BT 76.60 412.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 124.69 412.10 Td (due ) Tj ET Q q 0 0 0 rg BT 145.45 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.22 412.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 192.31 412.10 Td (net ) Tj ET Q q 0 0 0 rg BT 210.40 412.10 Td (gains, ) Tj ET Q q 0 0 0 rg BT 242.16 412.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 285.58 412.10 Td (of) Tj ET Q q 0 0 0 rg BT 295.36 412.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 316.12 412.10 Td (by ) Tj ET Q q 0 0 0 rg BT 331.55 412.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 404.30 412.10 Td ($200 ) Tj ET Q q 0 0 0 rg BT 431.73 412.10 Td (million ) Tj ET Q q 0 0 0 rg BT 469.84 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.27 412.10 Td (related ) Tj ET Q q 0 0 0 rg BT 519.34 412.10 Td (goodwill ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 397.70 Td (impairment. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 377.30 Td (T) Tj ET Q q 0 0 0 rg BT 56.91 377.30 Td (reasury ) Tj ET Q q 0 0 0 rg BT 95.13 377.30 Td (and ) Tj ET Q q 0 0 0 rg BT 115.37 377.30 Td (CIO ) Tj ET Q q 0 0 0 rg BT 138.95 377.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 181.84 377.30 Td (a ) Tj ET Q q 0 0 0 rg BT 190.07 377.30 Td (net ) Tj ET Q q 0 0 0 rg BT 207.64 377.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 229.23 377.30 Td (of ) Tj ET Q q 0 0 0 rg BT 242.13 377.30 Td ($205 ) Tj ET Q q 0 0 0 rg BT 269.05 377.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 309.63 377.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 359.85 377.30 Td (with ) Tj ET Q q 0 0 0 rg BT 384.09 377.30 Td (a ) Tj ET Q q 0 0 0 rg BT 392.33 377.30 Td (net ) Tj ET Q q 0 0 0 rg BT 409.90 377.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 431.48 377.30 Td (of ) Tj ET Q q 0 0 0 rg BT 444.39 377.30 Td ($268 ) Tj ET Q q 0 0 0 rg BT 471.30 377.30 Td (million ) Tj ET Q q 0 0 0 rg BT 508.88 377.30 Td (in ) Tj ET Q q 0 0 0 rg BT 521.12 377.30 Td (the ) Tj ET Q q 0 0 0 rg BT 538.70 377.30 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 362.90 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 362.90 Td (. ) Tj ET Q q 0 0 0 rg BT 76.51 362.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 97.36 362.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 138.86 362.90 Td (was ) Tj ET Q q 0 0 0 rg BT 161.04 362.90 Td (a ) Tj ET Q q 0 0 0 rg BT 169.89 362.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 192.09 362.90 Td (of ) Tj ET Q q 0 0 0 rg BT 205.61 362.90 Td ($243 ) Tj ET Q q 0 0 0 rg BT 233.13 362.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 274.32 362.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 325.15 362.90 Td (with ) Tj ET Q q 0 0 0 rg BT 350.01 362.90 Td (a ) Tj ET Q q 0 0 0 rg BT 358.86 362.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 381.06 362.90 Td (of ) Tj ET Q q 0 0 0 rg BT 394.58 362.90 Td ($337 ) Tj ET Q q 0 0 0 rg BT 422.10 362.90 Td (million ) Tj ET Q q 0 0 0 rg BT 460.29 362.90 Td (in ) Tj ET Q q 0 0 0 rg BT 473.15 362.90 Td (the ) Tj ET Q q 0 0 0 rg BT 491.33 362.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 518.18 362.90 Td (year) Tj ET Q q 0 0 0 rg BT 538.17 362.90 Td (. ) Tj ET Q q 0 0 0 rg BT 544.69 362.90 Td (Net ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 348.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 88.32 348.50 Td (income ) Tj ET Q q 0 0 0 rg BT 126.64 348.50 Td (was ) Tj ET Q q 0 0 0 rg BT 148.30 348.50 Td (a ) Tj ET Q q 0 0 0 rg BT 156.63 348.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 178.30 348.50 Td (of ) Tj ET Q q 0 0 0 rg BT 191.30 348.50 Td ($339 ) Tj ET Q q 0 0 0 rg BT 218.30 348.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 258.97 348.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 309.28 348.50 Td (with ) Tj ET Q q 0 0 0 rg BT 333.61 348.50 Td (a ) Tj ET Q q 0 0 0 rg BT 341.94 348.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 363.61 348.50 Td (of ) Tj ET Q q 0 0 0 rg BT 376.61 348.50 Td ($408 ) Tj ET Q q 0 0 0 rg BT 403.61 348.50 Td (million ) Tj ET Q q 0 0 0 rg BT 441.28 348.50 Td (in ) Tj ET Q q 0 0 0 rg BT 453.61 348.50 Td (the ) Tj ET Q q 0 0 0 rg BT 471.27 348.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 497.60 348.50 Td (year) Tj ET Q q 0 0 0 rg BT 517.58 348.50 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 79.70 328.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 130.07 328.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 172.42 328.10 Td (net ) Tj ET Q q 0 0 0 rg BT 189.46 328.10 Td (income ) Tj ET Q q 0 0 0 rg BT 227.17 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.54 328.10 Td ($645 ) Tj ET Q q 0 0 0 rg BT 265.92 328.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 305.97 328.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 355.66 328.10 Td (with ) Tj ET Q q 0 0 0 rg BT 379.38 328.10 Td (net ) Tj ET Q q 0 0 0 rg BT 396.42 328.10 Td (income ) Tj ET Q q 0 0 0 rg BT 434.12 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.49 328.10 Td ($852 ) Tj ET Q q 0 0 0 rg BT 472.87 328.10 Td (million ) Tj ET Q q 0 0 0 rg BT 509.92 328.10 Td (in ) Tj ET Q q 0 0 0 rg BT 521.64 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 328.10 Td (prior ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 313.70 Td (year) Tj ET Q q 0 0 0 rg BT 69.99 313.70 Td (. ) Tj ET Q q 0 0 0 rg BT 76.17 313.70 Td (The ) Tj ET Q q 0 0 0 rg BT 98.25 313.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 125.01 313.70 Td (year ) Tj ET Q q 0 0 0 rg BT 149.09 313.70 Td (included ) Tj ET Q q 0 0 0 rg BT 193.84 313.70 Td (a ) Tj ET Q q 0 0 0 rg BT 202.59 313.70 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 227.02 313.70 Td (billion ) Tj ET Q q 0 0 0 rg BT 261.79 313.70 Td (gain ) Tj ET Q q 0 0 0 rg BT 285.87 313.70 Td (on ) Tj ET Q q 0 0 0 rg BT 301.30 313.70 Td (the ) Tj ET Q q 0 0 0 rg BT 319.39 313.70 Td (sale ) Tj ET Q q 0 0 0 rg BT 341.48 313.70 Td (of ) Tj ET Q q 0 0 0 rg BT 354.66 313.70 Td (V) Tj ET Q q 0 0 0 rg BT 362.60 313.70 Td (isa ) Tj ET Q q 0 0 0 rg BT 379.36 313.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 412.78 313.70 Td (and ) Tj ET Q q 0 0 0 rg BT 433.53 313.70 Td (a ) Tj ET Q q 0 0 0 rg BT 442.29 313.70 Td ($493 ) Tj ET Q q 0 0 0 rg BT 469.72 313.70 Td (million ) Tj ET Q q 0 0 0 rg BT 507.82 313.70 Td (gain ) Tj ET Q q 0 0 0 rg BT 531.91 313.70 Td (on ) Tj ET Q q 0 0 0 rg BT 547.34 313.70 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 299.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 72.69 299.30 Td (of ) Tj ET Q q 0 0 0 rg BT 86.72 299.30 Td (One ) Tj ET Q q 0 0 0 rg BT 110.74 299.30 Td (Chase ) Tj ET Q q 0 0 0 rg BT 144.10 299.30 Td (Manhattan ) Tj ET Q q 0 0 0 rg BT 199.45 299.30 Td (Plaza. ) Tj ET Q q 0 0 0 rg BT 232.18 299.30 Td (The ) Tj ET Q q 0 0 0 rg BT 254.87 299.30 Td (current ) Tj ET Q q 0 0 0 rg BT 292.88 299.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 330.89 299.30 Td (included ) Tj ET Q q 0 0 0 rg BT 376.24 299.30 Td ($84 ) Tj ET Q q 0 0 0 rg BT 398.28 299.30 Td (million ) Tj ET Q q 0 0 0 rg BT 436.98 299.30 Td (\(pretax\) ) Tj ET Q q 0 0 0 rg BT 478.99 299.30 Td (of ) Tj ET Q q 0 0 0 rg BT 493.01 299.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 520.37 299.30 Td (expense, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 284.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.02 284.90 Td (with ) Tj ET Q q 0 0 0 rg BT 124.06 284.90 Td ($412 ) Tj ET Q q 0 0 0 rg BT 150.77 284.90 Td (million ) Tj ET Q q 0 0 0 rg BT 188.15 284.90 Td (\(pretax\) ) Tj ET Q q 0 0 0 rg BT 228.83 284.90 Td (of ) Tj ET Q q 0 0 0 rg BT 241.53 284.90 Td (legal ) Tj ET Q q 0 0 0 rg BT 267.56 284.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 308.92 284.90 Td (in ) Tj ET Q q 0 0 0 rg BT 320.96 284.90 Td (the ) Tj ET Q q 0 0 0 rg BT 338.33 284.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 364.37 284.90 Td (year) Tj ET Q q 0 0 0 rg BT 384.35 284.90 Td (. ) Tj ET Q q 0 0 0 rg BT 389.86 284.90 Td (The ) Tj ET Q q 0 0 0 rg BT 411.23 284.90 Td (current ) Tj ET Q q 0 0 0 rg BT 447.92 284.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 484.60 284.90 Td (also ) Tj ET Q q 0 0 0 rg BT 506.64 284.90 Td (included ) Tj ET Q q 0 0 0 rg BT 550.67 284.90 Td (an ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 270.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 121.60 270.50 Td ($500 ) Tj ET Q q 0 0 0 rg BT 147.90 270.50 Td (million ) Tj ET Q q 0 0 0 rg BT 184.86 270.50 Td (benefit ) Tj ET Q q 0 0 0 rg BT 220.47 270.50 Td (from ) Tj ET Q q 0 0 0 rg BT 246.09 270.50 Td (tax ) Tj ET Q q 0 0 0 rg BT 263.04 270.50 Td (adjustments, ) Tj ET Q q 0 0 0 rg BT 325.66 270.50 Td (and ) Tj ET Q q 0 0 0 rg BT 345.28 270.50 Td (a ) Tj ET Q q 0 0 0 rg BT 352.90 270.50 Td ($149 ) Tj ET Q q 0 0 0 rg BT 379.19 270.50 Td (million ) Tj ET Q q 0 0 0 rg BT 416.15 270.50 Td (contribution ) Tj ET Q q 0 0 0 rg BT 477.10 270.50 Td (to ) Tj ET Q q 0 0 0 rg BT 488.73 270.50 Td (our ) Tj ET Q q 0 0 0 rg BT 507.02 270.50 Td (foundation, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 100.31 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.64 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 120.97 256.10 Td ($355 ) Tj ET Q q 0 0 0 rg BT 147.97 256.10 Td (million ) Tj ET Q q 0 0 0 rg BT 185.64 256.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 221.96 256.10 Td (from ) Tj ET Q q 0 0 0 rg BT 248.28 256.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 265.94 256.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 326.27 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 338.60 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.26 256.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 382.59 256.10 Td (year) Tj ET Q q 0 0 0 rg BT 402.58 256.10 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 218.30 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F4 12.00 Tf ET BT /F4 7.80 Tf ET q 0 0 0 rg BT 194.02 223.74 Td (\(*\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 207.79999999999995 m 50.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 207.79999999999995 m 231.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 207.79999999999995 m 231.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 207.79999999999995 m 276.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 207.79999999999995 m 280.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 207.79999999999995 m 280.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 207.79999999999995 m 325.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 207.79999999999995 m 329.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 207.79999999999995 m 329.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 207.79999999999995 m 374.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 207.79999999999995 m 378.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 207.79999999999995 m 378.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 207.79999999999995 m 423.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 192.79999999999995 m 423.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 207.79999999999995 m 468.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 192.79999999999995 m 468.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 207.79999999999995 m 472.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 192.79999999999995 m 472.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 207.79999999999995 m 472.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 207.79999999999995 m 517.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 192.79999999999995 m 517.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 207.79999999999995 m 562.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 207.79999999999995 m 562.5 207.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 192.79999999999995 m 562.5 192.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 192.79999999999995 m 50.5 177.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 177.79999999999995 m 231.5 177.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 192.79999999999995 m 231.5 177.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 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s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 177.79999999999995 m 231.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 177.79999999999995 m 276.5 177.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 162.79999999999995 m 276.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 162.79999999999995 m 280.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 177.79999999999995 m 280.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 177.79999999999995 m 325.5 177.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 162.79999999999995 m 325.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 162.79999999999995 m 329.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 177.79999999999995 m 329.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 177.79999999999995 m 374.5 177.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 162.79999999999995 m 374.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 162.79999999999995 m 378.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 177.79999999999995 m 378.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 162.79999999999995 m 423.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 177.79999999999995 m 423.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 162.79999999999995 m 472.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 177.79999999999995 m 472.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 162.79999999999995 m 517.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 177.79999999999995 m 517.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 177.79999999999995 m 562.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 162.79999999999995 m 562.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 162.79999999999995 m 50.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 147.79999999999995 m 231.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 162.79999999999995 m 231.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 162.79999999999995 m 276.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 147.79999999999995 m 276.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 147.79999999999995 m 280.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 162.79999999999995 m 280.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 162.79999999999995 m 325.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 147.79999999999995 m 325.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 147.79999999999995 m 329.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 162.79999999999995 m 329.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 162.79999999999995 m 374.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 147.79999999999995 m 374.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 147.79999999999995 m 378.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 162.79999999999995 m 378.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 147.79999999999995 m 423.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 162.79999999999995 m 423.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 162.79999999999995 m 468.5 162.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 147.79999999999995 m 468.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 147.79999999999995 m 472.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 162.79999999999995 m 472.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 147.79999999999995 m 517.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 162.79999999999995 m 517.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 162.79999999999995 m 562.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 147.79999999999995 m 562.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 147.79999999999995 m 50.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 132.79999999999995 m 231.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 147.79999999999995 m 231.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 147.79999999999995 m 276.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 132.79999999999995 m 276.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 132.79999999999995 m 280.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 147.79999999999995 m 280.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 147.79999999999995 m 325.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 132.79999999999995 m 325.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 132.79999999999995 m 329.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 147.79999999999995 m 329.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 147.79999999999995 m 374.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 132.79999999999995 m 374.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 132.79999999999995 m 378.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 147.79999999999995 m 378.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 132.79999999999995 m 423.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 147.79999999999995 m 423.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 132.79999999999995 m 468.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 132.79999999999995 m 472.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 147.79999999999995 m 472.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 132.79999999999995 m 517.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 147.79999999999995 m 517.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 147.79999999999995 m 562.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 147.79999999999995 m 562.5 147.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 132.79999999999995 m 562.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 132.79999999999995 m 50.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 117.79999999999995 m 231.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 132.79999999999995 m 231.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 132.79999999999995 m 276.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 117.79999999999995 m 276.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 117.79999999999995 m 280.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 132.79999999999995 m 280.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 132.79999999999995 m 325.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 117.79999999999995 m 325.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 117.79999999999995 m 329.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 132.79999999999995 m 329.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 132.79999999999995 m 374.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 117.79999999999995 m 374.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 117.79999999999995 m 378.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 132.79999999999995 m 378.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 117.79999999999995 m 423.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 132.79999999999995 m 423.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 132.79999999999995 m 468.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 117.79999999999995 m 468.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 117.79999999999995 m 472.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 132.79999999999995 m 472.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 132.79999999999995 m 517.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 132.79999999999995 m 517.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 117.79999999999995 m 517.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 132.79999999999995 m 517.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 132.79999999999995 m 562.5 117.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 132.79999999999995 m 562.5 132.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 117.79999999999995 m 562.5 117.79999999999995 l s BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 197.67 Td (Results for JPM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 410.75 197.67 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 504.75 197.67 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 182.67 Td (\($millions\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 241.25 182.67 Td (4Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 290.25 182.67 Td (3Q14) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 339.25 182.67 Td (4Q13) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 383.20 182.67 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 426.40 182.67 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 477.20 182.67 Td ($O/\(U\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 520.40 182.67 Td (O/\(U\)?) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 167.67 Td (Net Revenue) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 167.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 167.67 Td (23,552) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 167.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 167.67 Td (25,159) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 167.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 167.67 Td (24,112) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 167.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 390.85 167.67 Td (\(1,607) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 167.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 167.67 Td (\(6) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 167.67 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 167.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 167.67 Td (\(560) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 167.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 167.67 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 167.67 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 152.67 Td (Provision for Credit Losses) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 255.75 152.67 Td (840) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 304.75 152.67 Td (757) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 353.75 152.67 Td (104) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 408.25 152.67 Td (83) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 444.15 152.67 Td (11) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 496.75 152.67 Td (736) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 541.25 152.67 Td (NM) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 137.67 Td (Noninterest Expense) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 242.00 137.67 Td (15,409) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 291.00 137.67 Td (15,798) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 340.00 137.67 Td (15,552) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 137.67 Td (\(389) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 137.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 445.95 137.67 Td (\(2) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 137.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 137.67 Td (\(143) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 137.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 137.67 Td (\(1) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 137.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 53.00 122.67 Td (Net Income) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 234.00 122.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 247.50 122.67 Td (4,931) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 283.00 122.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 296.50 122.67 Td (5,572) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 332.00 122.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 345.50 122.67 Td (5,278) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 381.00 122.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 399.10 122.67 Td (\(641) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 419.30 122.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 440.45 122.67 Td (\(12) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 455.15 122.67 Td (\)%) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 475.00 122.67 Td ($) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 493.10 122.67 Td (\(347) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 513.30 122.67 Td (\)) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 539.95 122.67 Td (\(7) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 549.15 122.67 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 108.70 Td (\(*\) Presented on a managed basis. See notes on page 12 for further explanation of managed basis. Net revenue on a U.S. GAAP) Tj ET Q q 0 0 0 rg BT 458.48 108.70 Td ( basis totaled ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.25 108.70 Td ($22.5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.14 108.70 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 99.10 Td ($24.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 99.89 99.10 Td (, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.44 99.10 Td ($23.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 158.33 99.10 Td ( for the fourth quarter of 2014, third quarter of 2014, and fourth quarter of 2013, respectively) Tj ET Q q 0 0 0 rg BT 455.27 99.10 Td (. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 70.30 Td (Discussion of Results:) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 49.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 70.25 49.90 Td (income ) Tj ET Q q 0 0 0 rg BT 108.50 49.90 Td (was ) Tj ET Q q 0 0 0 rg BT 130.09 49.90 Td ($4.9 ) Tj ET Q q 0 0 0 rg BT 154.02 49.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 191.28 49.90 Td (down ) Tj ET Q q 0 0 0 rg BT 220.87 49.90 Td ($347 ) Tj ET Q q 0 0 0 rg BT 247.80 49.90 Td (million ) Tj ET Q q 0 0 0 rg BT 285.39 49.90 Td (from ) Tj ET Q q 0 0 0 rg BT 311.65 49.90 Td (the ) Tj ET Q q 0 0 0 rg BT 329.23 49.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 355.49 49.90 Td (year) Tj ET Q q 0 0 0 rg BT 375.47 49.90 Td (. ) Tj ET Q q 0 0 0 rg BT 381.19 49.90 Td (The ) Tj ET Q q 0 0 0 rg BT 402.77 49.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 447.00 49.90 Td (was ) Tj ET Q q 0 0 0 rg BT 468.58 49.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 502.17 49.90 Td (by ) Tj ET Q q 0 0 0 rg BT 517.09 49.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 547.34 49.90 Td (net ) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 740.70 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 93.97 740.70 Td (partially ) Tj ET Q q 0 0 0 rg BT 136.96 740.70 Td (of) Tj ET Q q 0 0 0 rg BT 146.74 740.70 Td (fset ) Tj ET Q q 0 0 0 rg BT 167.06 740.70 Td (by ) Tj ET Q q 0 0 0 rg BT 182.06 740.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 212.39 740.70 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 268.71 740.70 Td (expense.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 720.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 69.56 720.30 Td (revenue ) Tj ET Q q 0 0 0 rg BT 109.78 720.30 Td (was ) Tj ET Q q 0 0 0 rg BT 130.68 720.30 Td ($23.6 ) Tj ET Q q 0 0 0 rg BT 159.92 720.30 Td (billion, ) Tj ET Q q 0 0 0 rg BT 196.49 720.30 Td (down ) Tj ET Q q 0 0 0 rg BT 225.39 720.30 Td ($560 ) Tj ET Q q 0 0 0 rg BT 251.63 720.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 291.54 720.30 Td (or ) Tj ET Q q 0 0 0 rg BT 303.78 720.30 Td (2%, ) Tj ET Q q 0 0 0 rg BT 325.01 720.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 374.56 720.30 Td (with ) Tj ET Q q 0 0 0 rg BT 398.13 720.30 Td (the ) Tj ET Q q 0 0 0 rg BT 415.03 720.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.59 720.30 Td (year) Tj ET Q q 0 0 0 rg BT 460.58 720.30 Td (. ) Tj ET Q q 0 0 0 rg BT 465.82 720.30 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 524.04 720.30 Td (revenue ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 705.90 Td (was ) Tj ET Q q 0 0 0 rg BT 71.71 705.90 Td ($12.2 ) Tj ET Q q 0 0 0 rg BT 101.76 705.90 Td (billion, ) Tj ET Q q 0 0 0 rg BT 139.15 705.90 Td (down ) Tj ET Q q 0 0 0 rg BT 168.87 705.90 Td ($788 ) Tj ET Q q 0 0 0 rg BT 195.92 705.90 Td (million, ) Tj ET Q q 0 0 0 rg BT 236.64 705.90 Td (or ) Tj ET Q q 0 0 0 rg BT 249.69 705.90 Td (6%, ) Tj ET Q q 0 0 0 rg BT 271.74 705.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 322.10 705.90 Td (with ) Tj ET Q q 0 0 0 rg BT 346.48 705.90 Td (the ) Tj ET Q q 0 0 0 rg BT 364.19 705.90 Td (prior ) Tj ET Q q 0 0 0 rg BT 390.57 705.90 Td (year) Tj ET Q q 0 0 0 rg BT 410.56 705.90 Td (. ) Tj ET Q q 0 0 0 rg BT 416.61 705.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 436.99 705.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 475.36 705.90 Td (income ) Tj ET Q q 0 0 0 rg BT 513.73 705.90 Td (was ) Tj ET Q q 0 0 0 rg BT 535.44 705.90 Td ($1) Tj ET Q q 0 0 0 rg BT 547.00 705.90 Td (1.3 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 691.50 Td (billion, ) Tj ET Q q 0 0 0 rg BT 87.06 691.50 Td (up ) Tj ET Q q 0 0 0 rg BT 101.79 691.50 Td ($228 ) Tj ET Q q 0 0 0 rg BT 128.52 691.50 Td (million, ) Tj ET Q q 0 0 0 rg BT 168.92 691.50 Td (or ) Tj ET Q q 0 0 0 rg BT 181.64 691.50 Td (2%, ) Tj ET Q q 0 0 0 rg BT 203.36 691.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 253.40 691.50 Td (with ) Tj ET Q q 0 0 0 rg BT 277.46 691.50 Td (the ) Tj ET Q q 0 0 0 rg BT 294.85 691.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 320.90 691.50 Td (year) Tj ET Q q 0 0 0 rg BT 341.07 691.50 Td (, ) Tj ET Q q 0 0 0 rg BT 346.80 691.50 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 395.50 691.50 Td (lower ) Tj ET Q q 0 0 0 rg BT 425.55 691.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 463.60 691.50 Td (expense, ) Tj ET Q q 0 0 0 rg BT 507.97 691.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 541.36 691.50 Td (loan ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 94.31 677.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.63 677.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 148.29 677.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 203.95 677.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 252.27 677.10 Td (yields, ) Tj ET Q q 0 0 0 rg BT 286.93 677.10 Td (lar) Tj ET Q q 0 0 0 rg BT 299.37 677.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 323.03 677.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.81 677.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 353.13 677.10 Td (by ) Tj ET Q q 0 0 0 rg BT 368.13 677.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 398.46 677.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 422.12 677.10 Td (yields. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 656.70 Td (The provision for credit losses was $840 million, compared with $104 million from the prior year) Tj ET Q q 0 0 0 rg BT 517.91 656.70 Td (. ) Tj ET Q q 0 0 0 rg BT 523.70 656.70 Td (The ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 642.30 Td (total consumer provision for credit losses was $946 million, compared with $65 million in the prior year) Tj ET Q q 0 0 0 rg BT 550.24 642.30 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 627.90 Td (The current-quarter consumer provision reflected a $250 million reduction in the allowance for loan ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 613.50 Td (losses, compared to a $1.2 billion reduction in the prior year) Tj ET Q q 0 0 0 rg BT 338.60 613.50 Td (. ) Tj ET Q q 0 0 0 rg BT 344.38 613.50 Td (The current-quarter consumer allowance ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 599.10 Td (release primarily reflects the continued improvement in home prices and delinquency trends in the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 584.70 Td (residential real estate portfolio and the impact of the sustained improvement in the economy on the credit ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 570.30 Td (card portfolio. Consumer net char) Tj ET Q q 0 0 0 rg BT 212.06 570.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 237.17 570.30 Td (fs were $1.2 billion, compared with $1.3 billion in the prior year) Tj ET Q q 0 0 0 rg BT 545.95 570.30 Td (, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 555.90 Td (resulting in net char) Tj ET Q q 0 0 0 rg BT 145.42 555.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 170.52 555.90 Td (f rates of 1.28% and 1.44%, respectively) Tj ET Q q 0 0 0 rg BT 364.68 555.90 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 535.50 Td (The wholesale provision for credit losses was a benefit of $106 million, compared with an expense of $39 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 521.10 Td (million in the prior year) Tj ET Q q 0 0 0 rg BT 163.98 521.10 Td (. ) Tj ET Q q 0 0 0 rg BT 169.76 521.10 Td (Wholesale net char) Tj ET Q q 0 0 0 rg BT 261.49 521.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 286.60 521.10 Td (fs were $26 million, compared with $22 million in the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 506.70 Td (prior year) Tj ET Q q 0 0 0 rg BT 96.49 506.70 Td (, resulting in a net char) Tj ET Q q 0 0 0 rg BT 206.24 506.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 231.34 506.70 Td (f rate of 0.03% for both periods. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 486.30 Td (The Firm? Tj ET Q q 0 0 0 rg BT 98.33 486.30 Td (s allowance for loan losses to period-end loans retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 364.24 491.74 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 368.14 486.30 Td ( was 1.55%, compared with 1.80% in ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 471.90 Td (the prior year) Tj ET Q q 0 0 0 rg BT 113.97 471.90 Td (. ) Tj ET Q q 0 0 0 rg BT 119.76 471.90 Td (The Firm? Tj ET Q q 0 0 0 rg BT 168.08 471.90 Td (s allowance for loan losses to nonperforming loans retained) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 454.00 477.34 Td (1) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 457.90 471.90 Td (, excluding credit ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 457.50 Td (card,) Tj ET Q BT /F1 12.00 Tf ET BT /F1 7.80 Tf ET q 0 0 0 rg BT 73.65 462.94 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 75.60 457.50 Td (was 106%, compared with 100% in the prior year) Tj ET Q q 0 0 0 rg BT 313.20 457.50 Td (. ) Tj ET Q q 0 0 0 rg BT 318.98 457.50 Td (The Firm? Tj ET Q q 0 0 0 rg BT 367.31 457.50 Td (s nonperforming assets totaled $8.0 ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 443.10 Td (billion, down from the prior quarter and prior year levels of $8.4 billion and $9.7 billion, respectively) Tj ET Q q 0 0 0 rg BT 535.77 443.10 Td (.) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 422.70 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 108.96 422.70 Td (expense ) Tj ET Q q 0 0 0 rg BT 150.58 422.70 Td (was ) Tj ET Q q 0 0 0 rg BT 172.22 422.70 Td ($15.4 ) Tj ET Q q 0 0 0 rg BT 202.20 422.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 239.51 422.70 Td (down ) Tj ET Q q 0 0 0 rg BT 269.15 422.70 Td ($143 ) Tj ET Q q 0 0 0 rg BT 296.12 422.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 336.77 422.70 Td (or ) Tj ET Q q 0 0 0 rg BT 349.74 422.70 Td (1%, ) Tj ET Q q 0 0 0 rg BT 371.71 422.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 422.00 422.70 Td (with ) Tj ET Q q 0 0 0 rg BT 446.30 422.70 Td (the ) Tj ET Q q 0 0 0 rg BT 463.94 422.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.24 422.70 Td (year) Tj ET Q q 0 0 0 rg BT 510.41 422.70 Td (, ) Tj ET Q q 0 0 0 rg BT 516.38 422.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 550.02 422.70 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 408.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 80.20 408.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 136.39 408.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 177.91 408.30 Td (in ) Tj ET Q q 0 0 0 rg BT 190.12 408.30 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 239.65 408.30 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 286.19 408.30 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 359.04 408.30 Td (of) Tj ET Q q 0 0 0 rg BT 368.82 408.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 389.02 408.30 Td (by ) Tj ET Q q 0 0 0 rg BT 403.90 408.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 437.43 408.30 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 493.62 408.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 535.14 408.30 Td (in ) Tj ET Q q 0 0 0 rg BT 547.35 408.30 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 393.90 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 100.62 393.90 Td (& ) Tj ET Q q 0 0 0 rg BT 112.60 393.90 Td (Investment ) Tj ET Q q 0 0 0 rg BT 168.56 393.90 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 199.33 393.90 Td (The ) Tj ET Q q 0 0 0 rg BT 220.63 393.90 Td (current ) Tj ET Q q 0 0 0 rg BT 257.25 393.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 293.87 393.90 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 349.83 393.90 Td (expense ) Tj ET Q q 0 0 0 rg BT 391.11 393.90 Td (included ) Tj ET Q q 0 0 0 rg BT 435.07 393.90 Td (approximately ) Tj ET Q q 0 0 0 rg BT 507.02 393.90 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 530.66 393.90 Td (billion ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 379.50 Td (of ) Tj ET Q q 0 0 0 rg BT 63.00 379.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 89.32 379.50 Td (expense, ) Tj ET Q q 0 0 0 rg BT 133.96 379.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 184.27 379.50 Td (with ) Tj ET Q q 0 0 0 rg BT 208.61 379.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 280.92 379.50 Td ($847 ) Tj ET Q q 0 0 0 rg BT 307.92 379.50 Td (million ) Tj ET Q q 0 0 0 rg BT 345.59 379.50 Td (of ) Tj ET Q q 0 0 0 rg BT 358.58 379.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 384.90 379.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 426.55 379.50 Td (in ) Tj ET Q q 0 0 0 rg BT 438.89 379.50 Td (the ) Tj ET Q q 0 0 0 rg BT 456.55 379.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 482.87 379.50 Td (year) Tj ET Q q 0 0 0 rg BT 502.86 379.50 Td (.) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (Notes ) Tj ET Q q 0 0 0 rg BT 79.02 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 93.39 741.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 145.34 741.60 Td ( ) Tj ET Q q 0 0 0 rg BT 148.09 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 191.79 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 226.42 741.60 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (In ) Tj ET Q q 0 0 0 rg BT 79.09 717.60 Td (addition ) Tj ET Q q 0 0 0 rg BT 114.62 717.60 Td (to ) Tj ET Q q 0 0 0 rg BT 125.16 717.60 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 166.79 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 181.77 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 209.67 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 238.54 717.60 Td (on ) Tj ET Q q 0 0 0 rg BT 251.30 717.60 Td (a ) Tj ET Q q 0 0 0 rg BT 258.50 717.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 294.58 717.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 319.84 717.60 Td (management ) Tj ET Q q 0 0 0 rg BT 373.69 717.60 Td (reviews ) Tj ET Q q 0 0 0 rg BT 407.55 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 422.52 717.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 450.42 717.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 503.73 717.60 Td (results ) Tj ET Q q 0 0 0 rg BT 532.60 717.60 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 717.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (results ) Tj ET Q q 0 0 0 rg BT 97.54 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 109.30 705.60 Td (the ) Tj ET Q q 0 0 0 rg BT 124.94 705.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 147.26 705.60 Td (of ) Tj ET Q q 0 0 0 rg BT 159.02 705.60 Td (business ) Tj ET Q q 0 0 0 rg BT 196.34 705.60 Td (on ) Tj ET Q q 0 0 0 rg BT 209.77 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 217.64 705.60 Td (managed?) Tj ET Q q 0 0 0 rg BT 266.04 705.60 Td (basis, ) Tj ET Q q 0 0 0 rg BT 291.96 705.60 Td (which ) Tj ET Q q 0 0 0 rg BT 319.83 705.60 Td (is ) Tj ET Q q 0 0 0 rg BT 329.93 705.60 Td (a ) Tj ET Q q 0 0 0 rg BT 337.80 705.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 382.98 705.60 Td ( ) Tj ET Q q 0 0 0 rg BT 386.41 705.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 424.82 705.60 Td (measure. ) Tj ET Q q 0 0 0 rg BT 463.82 705.60 Td (The ) Tj ET Q q 0 0 0 rg BT 482.80 705.60 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 511.37 705.60 Td (definition ) Tj ET Q q 0 0 0 rg BT 553.68 705.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 693.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 106.49 693.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 128.89 693.60 Td (starts ) Tj ET Q q 0 0 0 rg BT 152.40 693.60 Td (with ) Tj ET Q q 0 0 0 rg BT 172.58 693.60 Td (the ) Tj ET Q q 0 0 0 rg BT 187.20 693.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 222.91 693.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 243.10 693.60 Td (GAAP) Tj ET Q q 0 0 0 rg BT 269.95 693.60 Td ( ) Tj ET Q q 0 0 0 rg BT 272.35 693.60 Td (results ) Tj ET Q q 0 0 0 rg BT 300.86 693.60 Td (and ) Tj ET Q q 0 0 0 rg BT 317.70 693.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 353.42 693.60 Td (certain ) Tj ET Q q 0 0 0 rg BT 383.02 693.60 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 449.84 693.60 Td (to ) Tj ET Q q 0 0 0 rg BT 460.02 693.60 Td (present ) Tj ET Q q 0 0 0 rg BT 491.30 693.60 Td (total ) Tj ET Q q 0 0 0 rg BT 511.47 693.60 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (net ) Tj ET Q q 0 0 0 rg BT 82.99 681.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 117.40 681.60 Td (for ) Tj ET Q q 0 0 0 rg BT 131.84 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 146.82 681.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 169.04 681.60 Td (\(and ) Tj ET Q q 0 0 0 rg BT 189.58 681.60 Td (for ) Tj ET Q q 0 0 0 rg BT 204.01 681.60 Td (each ) Tj ET Q q 0 0 0 rg BT 225.10 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 236.20 681.60 Td (the ) Tj ET Q q 0 0 0 rg BT 251.19 681.60 Td (business ) Tj ET Q q 0 0 0 rg BT 287.85 681.60 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 331.17 681.60 Td (on ) Tj ET Q q 0 0 0 rg BT 343.94 681.60 Td (a ) Tj ET Q q 0 0 0 rg BT 351.15 681.60 Td (fully ) Tj ET Q q 0 0 0 rg BT 372.81 681.60 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 449.43 681.60 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 485.52 681.60 Td (basis. ) Tj ET Q q 0 0 0 rg BT 510.18 681.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 559.51 681.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 102.62 669.60 Td (from ) Tj ET Q q 0 0 0 rg BT 125.04 669.60 Td (investments ) Tj ET Q q 0 0 0 rg BT 175.79 669.60 Td (that ) Tj ET Q q 0 0 0 rg BT 193.77 669.60 Td (receive ) Tj ET Q q 0 0 0 rg BT 225.61 669.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 240.80 669.60 Td (credits ) Tj ET Q q 0 0 0 rg BT 270.44 669.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.85 669.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 335.81 669.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 376.55 669.60 Td (is ) Tj ET Q q 0 0 0 rg BT 386.20 669.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 427.50 669.60 Td (in ) Tj ET Q q 0 0 0 rg BT 438.25 669.60 Td (the ) Tj ET Q q 0 0 0 rg BT 453.45 669.60 Td (managed ) Tj ET Q q 0 0 0 rg BT 492.52 669.60 Td (results ) Tj ET Q q 0 0 0 rg BT 521.61 669.60 Td (on ) Tj ET Q q 0 0 0 rg BT 534.59 669.60 Td (a ) Tj ET Q q 0 0 0 rg BT 542.00 669.60 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 657.60 Td (comparable ) Tj ET Q q 0 0 0 rg BT 118.61 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 130.37 657.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 163.21 657.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 204.95 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 223.36 657.60 Td (investments. ) Tj ET Q q 0 0 0 rg BT 277.32 657.60 Td (This ) Tj ET Q q 0 0 0 rg BT 299.07 657.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 344.26 657.60 Td ( ) Tj ET Q q 0 0 0 rg BT 348.23 657.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 387.18 657.60 Td (measure ) Tj ET Q q 0 0 0 rg BT 424.47 657.60 Td (allows ) Tj ET Q q 0 0 0 rg BT 454.55 657.60 Td (management ) Tj ET Q q 0 0 0 rg BT 509.61 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 521.37 657.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 549.78 657.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (comparability ) Tj ET Q q 0 0 0 rg BT 125.84 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 136.47 645.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 170.42 645.60 Td (arising ) Tj ET Q q 0 0 0 rg BT 199.94 645.60 Td (from ) Tj ET Q q 0 0 0 rg BT 221.69 645.60 Td (both ) Tj ET Q q 0 0 0 rg BT 241.77 645.60 Td (taxable ) Tj ET Q q 0 0 0 rg BT 272.94 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.69 645.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 336.97 645.60 Td (sources. ) Tj ET Q q 0 0 0 rg BT 371.60 645.60 Td (The ) Tj ET Q q 0 0 0 rg BT 389.45 645.60 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 448.96 645.60 Td (income ) Tj ET Q q 0 0 0 rg BT 480.70 645.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.22 645.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 524.73 645.60 Td (related ) Tj ET Q q 0 0 0 rg BT 554.24 645.60 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.79 633.60 Td (items ) Tj ET Q q 0 0 0 rg BT 138.27 633.60 Td (is ) Tj ET Q q 0 0 0 rg BT 146.75 633.60 Td (recorded ) Tj ET Q q 0 0 0 rg BT 183.54 633.60 Td (within ) Tj ET Q q 0 0 0 rg BT 210.91 633.60 Td (income ) Tj ET Q q 0 0 0 rg BT 242.16 633.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 256.19 633.60 Td (expense. ) Tj ET Q q 0 0 0 rg BT 292.58 633.60 Td (These ) Tj ET Q q 0 0 0 rg BT 318.27 633.60 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 367.85 633.60 Td (have ) Tj ET Q q 0 0 0 rg BT 388.54 633.60 Td (no ) Tj ET Q q 0 0 0 rg BT 400.36 633.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 429.38 633.60 Td (on ) Tj ET Q q 0 0 0 rg BT 441.19 633.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 493.55 633.60 Td (net ) Tj ET Q q 0 0 0 rg BT 507.58 633.60 Td (income/\(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 621.60 Td (as ) Tj ET Q q 0 0 0 rg BT 78.83 621.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 114.65 621.60 Td (by ) Tj ET Q q 0 0 0 rg BT 127.15 621.60 Td (the ) Tj ET Q q 0 0 0 rg BT 141.86 621.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.81 621.60 Td (or ) Tj ET Q q 0 0 0 rg BT 174.64 621.60 Td (on ) Tj ET Q q 0 0 0 rg BT 187.14 621.60 Td (net ) Tj ET Q q 0 0 0 rg BT 201.86 621.60 Td (income/\(loss\) ) Tj ET Q q 0 0 0 rg BT 258.79 621.60 Td (as ) Tj ET Q q 0 0 0 rg BT 269.62 621.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 305.44 621.60 Td (by ) Tj ET Q q 0 0 0 rg BT 317.94 621.60 Td (the ) Tj ET Q q 0 0 0 rg BT 332.65 621.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 354.04 621.60 Td (of ) Tj ET Q q 0 0 0 rg BT 364.87 621.60 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 597.60 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 597.60 Td (The ) Tj ET Q q 0 0 0 rg BT 86.50 597.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 107.78 597.60 Td (of ) Tj ET Q q 0 0 0 rg BT 119.06 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 134.24 597.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 177.72 597.60 Td (for ) Tj ET Q q 0 0 0 rg BT 192.34 597.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 212.51 597.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 239.35 597.60 Td (to ) Tj ET Q q 0 0 0 rg BT 250.08 597.60 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 308.01 597.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 332.08 597.60 Td (retained, ) Tj ET Q q 0 0 0 rg BT 369.73 597.60 Td (and ) Tj ET Q q 0 0 0 rg BT 387.13 597.60 Td (the ) Tj ET Q q 0 0 0 rg BT 402.30 597.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 445.78 597.60 Td (for ) Tj ET Q q 0 0 0 rg BT 460.40 597.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 480.57 597.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 507.41 597.60 Td (to ) Tj ET Q q 0 0 0 rg BT 518.15 597.60 Td (nonaccrual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 585.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 92.16 585.60 Td (retained, ) Tj ET Q q 0 0 0 rg BT 129.92 585.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 164.06 585.60 Td (the ) Tj ET Q q 0 0 0 rg BT 179.33 585.60 Td (following: ) Tj ET Q q 0 0 0 rg BT 224.05 585.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 248.21 585.60 Td (accounted ) Tj ET Q q 0 0 0 rg BT 291.80 585.60 Td (for ) Tj ET Q q 0 0 0 rg BT 306.51 585.60 Td (at ) Tj ET Q q 0 0 0 rg BT 316.78 585.60 Td (fair ) Tj ET Q q 0 0 0 rg BT 333.71 585.60 Td (value ) Tj ET Q q 0 0 0 rg BT 358.42 585.60 Td (and ) Tj ET Q q 0 0 0 rg BT 375.91 585.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 400.07 585.60 Td (held-for) Tj ET Q q 0 0 0 rg BT 432.08 585.60 Td (-sale; ) Tj ET Q q 0 0 0 rg BT 456.79 585.60 Td (purchased ) Tj ET Q q 0 0 0 rg BT 500.38 585.60 Td (credit-impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 573.60 Td (\(PCI\) ) Tj ET Q q 0 0 0 rg BT 101.82 573.60 Td (loans; ) Tj ET Q q 0 0 0 rg BT 128.42 573.60 Td (and ) Tj ET Q q 0 0 0 rg BT 145.58 573.60 Td (the ) Tj ET Q q 0 0 0 rg BT 160.51 573.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 203.76 573.60 Td (for ) Tj ET Q q 0 0 0 rg BT 218.14 573.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 238.07 573.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 264.68 573.60 Td (related ) Tj ET Q q 0 0 0 rg BT 294.60 573.60 Td (to ) Tj ET Q q 0 0 0 rg BT 305.09 573.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 323.37 573.60 Td (loans. ) Tj ET Q q 0 0 0 rg BT 349.10 573.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 399.00 573.60 Td (, ) Tj ET Q q 0 0 0 rg BT 404.22 573.60 Td (net ) Tj ET Q q 0 0 0 rg BT 419.15 573.60 Td (char) Tj ET Q q 0 0 0 rg BT 436.18 573.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 457.10 573.60 Td (fs ) Tj ET Q q 0 0 0 rg BT 467.04 573.60 Td (and ) Tj ET Q q 0 0 0 rg BT 484.19 573.60 Td (net ) Tj ET Q q 0 0 0 rg BT 499.13 573.60 Td (char) Tj ET Q q 0 0 0 rg BT 516.15 573.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 537.07 573.60 Td (f ) Tj ET Q q 0 0 0 rg BT 543.12 573.60 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 561.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 101.59 561.60 Td (the ) Tj ET Q q 0 0 0 rg BT 116.31 561.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 146.02 561.60 Td (of ) Tj ET Q q 0 0 0 rg BT 156.85 561.60 Td (PCI ) Tj ET Q q 0 0 0 rg BT 174.91 561.60 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 537.60 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 537.60 Td (T) Tj ET Q q 0 0 0 rg BT 73.41 537.60 Td (angible ) Tj ET Q q 0 0 0 rg BT 104.55 537.60 Td (common ) Tj ET Q q 0 0 0 rg BT 141.24 537.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 167.94 537.60 Td (\(TCE\) ) Tj ET Q q 0 0 0 rg BT 204.06 537.60 Td (and ) Tj ET Q q 0 0 0 rg BT 220.20 537.60 Td (return ) Tj ET Q q 0 0 0 rg BT 245.78 537.60 Td (on ) Tj ET Q q 0 0 0 rg BT 257.48 537.60 Td (tangible ) Tj ET Q q 0 0 0 rg BT 291.40 537.60 Td (common ) Tj ET Q q 0 0 0 rg BT 328.10 537.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 354.79 537.60 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 404.81 537.60 Td (are ) Tj ET Q q 0 0 0 rg BT 418.72 537.60 Td (each ) Tj ET Q q 0 0 0 rg BT 438.73 537.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 483.92 537.60 Td ( ) Tj ET Q q 0 0 0 rg BT 485.62 537.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 522.30 537.60 Td (measures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (TCE ) Tj ET Q q 0 0 0 rg BT 89.72 525.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 133.10 525.60 Td (the ) Tj ET Q q 0 0 0 rg BT 148.15 525.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 170.38 525.60 Td (s ) Tj ET Q q 0 0 0 rg BT 177.10 525.60 Td (common ) Tj ET Q q 0 0 0 rg BT 214.93 525.60 Td (stockholders? Tj ET Q q 0 0 0 rg BT 268.07 525.60 Td ( ) Tj ET Q q 0 0 0 rg BT 270.90 525.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 298.74 525.60 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 319.62 525.60 Td (total ) Tj ET Q q 0 0 0 rg BT 340.23 525.60 Td (stockholders? Tj ET Q q 0 0 0 rg BT 393.36 525.60 Td ( ) Tj ET Q q 0 0 0 rg BT 396.20 525.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 424.03 525.60 Td (less ) Tj ET Q q 0 0 0 rg BT 441.87 525.60 Td (preferred ) Tj ET Q q 0 0 0 rg BT 481.34 525.60 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 508.61 525.60 Td (less ) Tj ET Q q 0 0 0 rg BT 526.45 525.60 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (and ) Tj ET Q q 0 0 0 rg BT 86.03 513.60 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 135.16 513.60 Td (intangible ) Tj ET Q q 0 0 0 rg BT 178.74 513.60 Td (assets ) Tj ET Q q 0 0 0 rg BT 205.66 513.60 Td (\(other ) Tj ET Q q 0 0 0 rg BT 233.13 513.60 Td (than ) Tj ET Q q 0 0 0 rg BT 253.94 513.60 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 288.37 513.60 Td (net ) Tj ET Q q 0 0 0 rg BT 304.18 513.60 Td (of ) Tj ET Q q 0 0 0 rg BT 316.10 513.60 Td (related ) Tj ET Q q 0 0 0 rg BT 346.90 513.60 Td (deferred ) Tj ET Q q 0 0 0 rg BT 383.79 513.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 399.60 513.60 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 442.91 513.60 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 479.28 513.60 Td (measures ) Tj ET Q q 0 0 0 rg BT 520.08 513.60 Td (the ) Tj ET Q q 0 0 0 rg BT 535.89 513.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 558.11 513.60 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 501.60 Td (earnings ) Tj ET Q q 0 0 0 rg BT 103.94 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 114.33 501.60 Td (a ) Tj ET Q q 0 0 0 rg BT 120.83 501.60 Td (percentage ) Tj ET Q q 0 0 0 rg BT 166.20 501.60 Td (of ) Tj ET Q q 0 0 0 rg BT 176.59 501.60 Td (average ) Tj ET Q q 0 0 0 rg BT 209.59 501.60 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 232.89 501.60 Td (TCE ) Tj ET Q q 0 0 0 rg BT 253.84 501.60 Td (and ) Tj ET Q q 0 0 0 rg BT 270.34 501.60 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 305.18 501.60 Td (are ) Tj ET Q q 0 0 0 rg BT 319.45 501.60 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 367.06 501.60 Td (to ) Tj ET Q q 0 0 0 rg BT 376.90 501.60 Td (management, ) Tj ET Q q 0 0 0 rg BT 432.55 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 442.94 501.60 Td (well ) Tj ET Q q 0 0 0 rg BT 462.22 501.60 Td (as ) Tj ET Q q 0 0 0 rg BT 472.62 501.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 506.90 501.60 Td (and ) Tj ET Q q 0 0 0 rg BT 523.40 501.60 Td (investors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (in ) Tj ET Q q 0 0 0 rg BT 78.28 489.60 Td (assessing ) Tj ET Q q 0 0 0 rg BT 118.00 489.60 Td (the ) Tj ET Q q 0 0 0 rg BT 132.72 489.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 154.94 489.60 Td (s ) Tj ET Q q 0 0 0 rg BT 161.33 489.60 Td (use ) Tj ET Q q 0 0 0 rg BT 177.17 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 188.00 489.60 Td (equity) Tj ET Q q 0 0 0 rg BT 212.34 489.60 Td (, ) Tj ET Q q 0 0 0 rg BT 217.34 489.60 Td (as ) Tj ET Q q 0 0 0 rg BT 228.17 489.60 Td (well ) Tj ET Q q 0 0 0 rg BT 247.89 489.60 Td (as ) Tj ET Q q 0 0 0 rg BT 258.72 489.60 Td (facilitating ) Tj ET Q q 0 0 0 rg BT 304.53 489.60 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 357.58 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 368.41 489.60 Td (the ) Tj ET Q q 0 0 0 rg BT 383.13 489.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 405.08 489.60 Td (with ) Tj ET Q q 0 0 0 rg BT 425.35 489.60 Td (competitors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 465.60 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 465.60 Td (Common ) Tj ET Q q 0 0 0 rg BT 108.24 465.60 Td (Equity ) Tj ET Q q 0 0 0 rg BT 137.71 465.60 Td (T) Tj ET Q q 0 0 0 rg BT 143.46 465.60 Td (ier ) Tj ET Q q 0 0 0 rg BT 157.03 465.60 Td (1 ) Tj ET Q q 0 0 0 rg BT 165.04 465.60 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 207.48 465.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 237.15 465.60 Td (and ) Tj ET Q q 0 0 0 rg BT 254.61 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 269.84 465.60 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 296.74 465.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 318.08 465.60 Td (under ) Tj ET Q q 0 0 0 rg BT 343.87 465.60 Td (the ) Tj ET Q q 0 0 0 rg BT 359.10 465.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 384.34 465.60 Td (III ) Tj ET Q q 0 0 0 rg BT 396.68 465.60 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 440.23 465.60 Td (Fully ) Tj ET Q q 0 0 0 rg BT 464.37 465.60 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 507.37 465.60 Td (rules, ) Tj ET Q q 0 0 0 rg BT 532.33 465.60 Td (and ) Tj ET Q q 0 0 0 rg BT 549.78 465.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 128.76 453.60 Td (leverage ) Tj ET Q q 0 0 0 rg BT 164.52 453.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 184.73 453.60 Td (\(SLR\) ) Tj ET Q q 0 0 0 rg BT 220.50 453.60 Td (under ) Tj ET Q q 0 0 0 rg BT 245.16 453.60 Td (the ) Tj ET Q q 0 0 0 rg BT 259.27 453.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 278.94 453.60 Td (final ) Tj ET Q q 0 0 0 rg BT 299.16 453.60 Td (SLR ) Tj ET Q q 0 0 0 rg BT 319.39 453.60 Td (rule, ) Tj ET Q q 0 0 0 rg BT 339.33 453.60 Td (are ) Tj ET Q q 0 0 0 rg BT 353.43 453.60 Td (each ) Tj ET Q q 0 0 0 rg BT 373.63 453.60 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 418.82 453.60 Td ( ) Tj ET Q q 0 0 0 rg BT 420.71 453.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 457.58 453.60 Td (measures. ) Tj ET Q q 0 0 0 rg BT 499.04 453.60 Td (These ) Tj ET Q q 0 0 0 rg BT 524.81 453.60 Td (measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 441.60 Td (are ) Tj ET Q q 0 0 0 rg BT 81.50 441.60 Td (used ) Tj ET Q q 0 0 0 rg BT 101.12 441.60 Td (by ) Tj ET Q q 0 0 0 rg BT 112.42 441.60 Td (management, ) Tj ET Q q 0 0 0 rg BT 167.30 441.60 Td (bank ) Tj ET Q q 0 0 0 rg BT 188.03 441.60 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 231.81 441.60 Td (investors ) Tj ET Q q 0 0 0 rg BT 269.21 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 284.94 441.60 Td (analysts ) Tj ET Q q 0 0 0 rg BT 318.45 441.60 Td (to ) Tj ET Q q 0 0 0 rg BT 327.52 441.60 Td (assess ) Tj ET Q q 0 0 0 rg BT 353.26 441.60 Td (and ) Tj ET Q q 0 0 0 rg BT 368.99 441.60 Td (monitor ) Tj ET Q q 0 0 0 rg BT 401.95 441.60 Td (the ) Tj ET Q q 0 0 0 rg BT 415.46 441.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 437.68 441.60 Td (s ) Tj ET Q q 0 0 0 rg BT 442.87 441.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 470.81 441.60 Td (position. ) Tj ET Q q 0 0 0 rg BT 506.83 441.60 Td (For ) Tj ET Q q 0 0 0 rg BT 522.02 441.60 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (information ) Tj ET Q q 0 0 0 rg BT 117.23 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 129.25 429.60 Td (these ) Tj ET Q q 0 0 0 rg BT 151.82 429.60 Td (measures, ) Tj ET Q q 0 0 0 rg BT 193.55 429.60 Td (see ) Tj ET Q q 0 0 0 rg BT 208.34 429.60 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 254.80 429.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 283.47 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 295.49 429.60 Td (pages ) Tj ET Q q 0 0 0 rg BT 320.28 429.60 Td (161-165 ) Tj ET Q q 0 0 0 rg BT 355.63 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 365.98 429.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 392.48 429.60 Td (gan ) Tj ET Q q 0 0 0 rg BT 408.94 429.60 Td (Chase ) Tj ET Q q 0 0 0 rg BT 435.40 429.60 Td (& ) Tj ET Q q 0 0 0 rg BT 445.20 429.60 Td (Co.? Tj ET Q q 0 0 0 rg BT 462.15 429.60 Td (s ) Tj ET Q q 0 0 0 rg BT 467.61 429.60 Td (Annual ) Tj ET Q q 0 0 0 rg BT 499.07 429.60 Td (Report ) Tj ET Q q 0 0 0 rg BT 528.31 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 540.33 429.60 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 417.60 Td (10-K ) Tj ET Q q 0 0 0 rg BT 90.61 417.60 Td (for ) Tj ET Q q 0 0 0 rg BT 104.33 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 118.60 417.60 Td (year ) Tj ET Q q 0 0 0 rg BT 137.86 417.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 163.80 417.60 Td (December ) Tj ET Q q 0 0 0 rg BT 206.94 417.60 Td (31, ) Tj ET Q q 0 0 0 rg BT 221.50 417.60 Td (2013, ) Tj ET Q q 0 0 0 rg BT 246.05 417.60 Td (and ) Tj ET Q q 0 0 0 rg BT 262.55 417.60 Td (on ) Tj ET Q q 0 0 0 rg BT 274.61 417.60 Td (pages ) Tj ET Q q 0 0 0 rg BT 299.43 417.60 Td (73-77 ) Tj ET Q q 0 0 0 rg BT 324.82 417.60 Td (of ) Tj ET Q q 0 0 0 rg BT 335.21 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 349.48 417.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 371.71 417.60 Td (s ) Tj ET Q q 0 0 0 rg BT 377.66 417.60 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 418.03 417.60 Td (Report ) Tj ET Q q 0 0 0 rg BT 447.30 417.60 Td (on ) Tj ET Q q 0 0 0 rg BT 459.36 417.60 Td (Form ) Tj ET Q q 0 0 0 rg BT 483.09 417.60 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 505.70 417.60 Td (for ) Tj ET Q q 0 0 0 rg BT 519.41 417.60 Td (the ) Tj ET Q q 0 0 0 rg BT 533.69 417.60 Td (quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (ended ) Tj ET Q q 0 0 0 rg BT 94.38 405.60 Td (September ) Tj ET Q q 0 0 0 rg BT 139.64 405.60 Td (30, ) Tj ET Q q 0 0 0 rg BT 154.64 405.60 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.20 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 379.20 Td (The ) Tj ET Q q 0 0 0 rg BT 87.56 379.20 Td (CIB ) Tj ET Q q 0 0 0 rg BT 108.24 379.20 Td (provides ) Tj ET Q q 0 0 0 rg BT 146.70 379.20 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 191.88 379.20 Td ( ) Tj ET Q q 0 0 0 rg BT 195.90 379.20 Td (financial ) Tj ET Q q 0 0 0 rg BT 234.89 379.20 Td (measures, ) Tj ET Q q 0 0 0 rg BT 278.61 379.20 Td (as ) Tj ET Q q 0 0 0 rg BT 290.95 379.20 Td (such ) Tj ET Q q 0 0 0 rg BT 313.30 379.20 Td (measures ) Tj ET Q q 0 0 0 rg BT 354.52 379.20 Td (are ) Tj ET Q q 0 0 0 rg BT 370.74 379.20 Td (used ) Tj ET Q q 0 0 0 rg BT 393.08 379.20 Td (by ) Tj ET Q q 0 0 0 rg BT 407.10 379.20 Td (management ) Tj ET Q q 0 0 0 rg BT 462.20 379.20 Td (to ) Tj ET Q q 0 0 0 rg BT 473.99 379.20 Td (assess ) Tj ET Q q 0 0 0 rg BT 502.45 379.20 Td (the ) Tj ET Q q 0 0 0 rg BT 518.68 379.20 Td (underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 367.20 Td (performance ) Tj ET Q q 0 0 0 rg BT 121.02 367.20 Td (of ) Tj ET Q q 0 0 0 rg BT 131.85 367.20 Td (the ) Tj ET Q q 0 0 0 rg BT 146.57 367.20 Td (business ) Tj ET Q q 0 0 0 rg BT 182.96 367.20 Td (and ) Tj ET Q q 0 0 0 rg BT 199.90 367.20 Td (for ) Tj ET Q q 0 0 0 rg BT 214.06 367.20 Td (comparability ) Tj ET Q q 0 0 0 rg BT 272.10 367.20 Td (with ) Tj ET Q q 0 0 0 rg BT 292.38 367.20 Td (peers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 351.20 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 351.20 Td (The ) Tj ET Q q 0 0 0 rg BT 123.94 351.20 Td (ratio ) Tj ET Q q 0 0 0 rg BT 146.67 351.20 Td (of ) Tj ET Q q 0 0 0 rg BT 159.39 351.20 Td (the ) Tj ET Q q 0 0 0 rg BT 176.01 351.20 Td (allowance ) Tj ET Q q 0 0 0 rg BT 220.94 351.20 Td (for ) Tj ET Q q 0 0 0 rg BT 236.99 351.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 258.61 351.20 Td (losses ) Tj ET Q q 0 0 0 rg BT 286.90 351.20 Td (to ) Tj ET Q q 0 0 0 rg BT 299.07 351.20 Td (end-of-period ) Tj ET Q q 0 0 0 rg BT 358.44 351.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 383.95 351.20 Td (excludes ) Tj ET Q q 0 0 0 rg BT 423.33 351.20 Td (the ) Tj ET Q q 0 0 0 rg BT 439.94 351.20 Td (impact ) Tj ET Q q 0 0 0 rg BT 471.55 351.20 Td (of ) Tj ET Q q 0 0 0 rg BT 484.28 351.20 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 539.22 351.20 Td (Firm-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 339.20 Td (administered ) Tj ET Q q 0 0 0 rg BT 159.50 339.20 Td (multi-seller ) Tj ET Q q 0 0 0 rg BT 209.46 339.20 Td (conduits ) Tj ET Q q 0 0 0 rg BT 247.20 339.20 Td (and ) Tj ET Q q 0 0 0 rg BT 265.49 339.20 Td (trade ) Tj ET Q q 0 0 0 rg BT 289.33 339.20 Td (finance ) Tj ET Q q 0 0 0 rg BT 322.60 339.20 Td (loans, ) Tj ET Q q 0 0 0 rg BT 350.07 339.20 Td (to ) Tj ET Q q 0 0 0 rg BT 361.70 339.20 Td (provide ) Tj ET Q q 0 0 0 rg BT 396.10 339.20 Td (a ) Tj ET Q q 0 0 0 rg BT 404.39 339.20 Td (more ) Tj ET Q q 0 0 0 rg BT 428.79 339.20 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 478.19 339.20 Td (assessment ) Tj ET Q q 0 0 0 rg BT 526.48 339.20 Td (of ) Tj ET Q q 0 0 0 rg BT 538.66 339.20 Td (CIB? Tj ET Q q 0 0 0 rg BT 558.11 339.20 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 327.20 Td (allowance ) Tj ET Q q 0 0 0 rg BT 147.03 327.20 Td (coverage ) Tj ET Q q 0 0 0 rg BT 185.62 327.20 Td (ratio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 311.20 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 311.20 Td (ROE ) Tj ET Q q 0 0 0 rg BT 126.50 311.20 Td (for ) Tj ET Q q 0 0 0 rg BT 140.66 311.20 Td (the ) Tj ET Q q 0 0 0 rg BT 155.38 311.20 Td (fourth ) Tj ET Q q 0 0 0 rg BT 182.32 311.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 213.13 311.20 Td (2014 ) Tj ET Q q 0 0 0 rg BT 235.63 311.20 Td (is ) Tj ET Q q 0 0 0 rg BT 244.80 311.20 Td (calculated ) Tj ET Q q 0 0 0 rg BT 287.83 311.20 Td (excluding ) Tj ET Q q 0 0 0 rg BT 329.76 311.20 Td (legal ) Tj ET Q q 0 0 0 rg BT 351.70 311.20 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 295.20 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 295.20 Td (Prior ) Tj ET Q q 0 0 0 rg BT 126.74 295.20 Td (to ) Tj ET Q q 0 0 0 rg BT 137.26 295.20 Td (January ) Tj ET Q q 0 0 0 rg BT 171.10 295.20 Td (1, ) Tj ET Q q 0 0 0 rg BT 181.34 295.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 206.58 295.20 Td (the ) Tj ET Q q 0 0 0 rg BT 221.54 295.20 Td (CIB ) Tj ET Q q 0 0 0 rg BT 240.95 295.20 Td (provided ) Tj ET Q q 0 0 0 rg BT 279.24 295.20 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 324.42 295.20 Td ( ) Tj ET Q q 0 0 0 rg BT 327.16 295.20 Td (financial ) Tj ET Q q 0 0 0 rg BT 364.88 295.20 Td (measures ) Tj ET Q q 0 0 0 rg BT 404.83 295.20 Td (excluding ) Tj ET Q q 0 0 0 rg BT 447.01 295.20 Td (the ) Tj ET Q q 0 0 0 rg BT 461.96 295.20 Td (impact ) Tj ET Q q 0 0 0 rg BT 491.92 295.20 Td (of ) Tj ET Q q 0 0 0 rg BT 502.99 295.20 Td (FV) Tj ET Q q 0 0 0 rg BT 514.48 295.20 Td (A) Tj ET Q q 0 0 0 rg BT 521.15 295.20 Td ( ) Tj ET Q q 0 0 0 rg BT 523.89 295.20 Td (\(ef) Tj ET Q q 0 0 0 rg BT 534.81 295.20 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 283.20 Td (fourth ) Tj ET Q q 0 0 0 rg BT 130.63 283.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 161.14 283.20 Td (2013\) ) Tj ET Q q 0 0 0 rg BT 186.66 283.20 Td (and ) Tj ET Q q 0 0 0 rg BT 203.29 283.20 Td (DV) Tj ET Q q 0 0 0 rg BT 216.45 283.20 Td (A) Tj ET Q q 0 0 0 rg BT 223.12 283.20 Td ( ) Tj ET Q q 0 0 0 rg BT 225.31 283.20 Td (on ) Tj ET Q q 0 0 0 rg BT 237.50 283.20 Td (net ) Tj ET Q q 0 0 0 rg BT 251.91 283.20 Td (revenue ) Tj ET Q q 0 0 0 rg BT 285.75 283.20 Td (and ) Tj ET Q q 0 0 0 rg BT 302.38 283.20 Td (net ) Tj ET Q q 0 0 0 rg BT 316.79 283.20 Td (income. ) Tj ET Q q 0 0 0 rg BT 350.91 283.20 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 394.77 283.20 Td (in ) Tj ET Q q 0 0 0 rg BT 404.74 283.20 Td (the ) Tj ET Q q 0 0 0 rg BT 419.15 283.20 Td (first ) Tj ET Q q 0 0 0 rg BT 437.45 283.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 467.96 283.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 492.65 283.20 Td (the ) Tj ET Q q 0 0 0 rg BT 507.06 283.20 Td (Firm ) Tj ET Q q 0 0 0 rg BT 528.70 283.20 Td (does ) Tj ET Q q 0 0 0 rg BT 549.22 283.20 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 271.20 Td (exclude ) Tj ET Q q 0 0 0 rg BT 138.00 271.20 Td (FV) Tj ET Q q 0 0 0 rg BT 149.50 271.20 Td (A) Tj ET Q q 0 0 0 rg BT 156.17 271.20 Td ( ) Tj ET Q q 0 0 0 rg BT 159.08 271.20 Td (and ) Tj ET Q q 0 0 0 rg BT 176.42 271.20 Td (DV) Tj ET Q q 0 0 0 rg BT 189.58 271.20 Td (A) Tj ET Q q 0 0 0 rg BT 196.25 271.20 Td ( ) Tj ET Q q 0 0 0 rg BT 199.16 271.20 Td (from ) Tj ET Q q 0 0 0 rg BT 221.50 271.20 Td (its ) Tj ET Q q 0 0 0 rg BT 233.86 271.20 Td (assessment ) Tj ET Q q 0 0 0 rg BT 281.21 271.20 Td (of ) Tj ET Q q 0 0 0 rg BT 292.45 271.20 Td (business ) Tj ET Q q 0 0 0 rg BT 329.25 271.20 Td (performance, ) Tj ET Q q 0 0 0 rg BT 385.18 271.20 Td (with ) Tj ET Q q 0 0 0 rg BT 405.87 271.20 Td (the ) Tj ET Q q 0 0 0 rg BT 421.00 271.20 Td (exception ) Tj ET Q q 0 0 0 rg BT 462.78 271.20 Td (of ) Tj ET Q q 0 0 0 rg BT 474.02 271.20 Td (certain ) Tj ET Q q 0 0 0 rg BT 504.13 271.20 Td (refinements ) Tj ET Q q 0 0 0 rg BT 554.24 271.20 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 259.20 Td (net ) Tj ET Q q 0 0 0 rg BT 118.44 259.20 Td (FV) Tj ET Q q 0 0 0 rg BT 129.94 259.20 Td (A) Tj ET Q q 0 0 0 rg BT 136.61 259.20 Td ( ) Tj ET Q q 0 0 0 rg BT 138.83 259.20 Td (and ) Tj ET Q q 0 0 0 rg BT 155.50 259.20 Td (DV) Tj ET Q q 0 0 0 rg BT 168.65 259.20 Td (A) Tj ET Q q 0 0 0 rg BT 175.32 259.20 Td ( ) Tj ET Q q 0 0 0 rg BT 177.55 259.20 Td (in ) Tj ET Q q 0 0 0 rg BT 187.55 259.20 Td (the ) Tj ET Q q 0 0 0 rg BT 201.99 259.20 Td (fourth ) Tj ET Q q 0 0 0 rg BT 228.66 259.20 Td (quarter ) Tj ET Q q 0 0 0 rg BT 259.20 259.20 Td (2014; ) Tj ET Q q 0 0 0 rg BT 284.20 259.20 Td (however) Tj ET Q q 0 0 0 rg BT 318.23 259.20 Td (, ) Tj ET Q q 0 0 0 rg BT 322.96 259.20 Td (the ) Tj ET Q q 0 0 0 rg BT 337.40 259.20 Td (Firm ) Tj ET Q q 0 0 0 rg BT 359.07 259.20 Td (continues ) Tj ET Q q 0 0 0 rg BT 399.62 259.20 Td (to ) Tj ET Q q 0 0 0 rg BT 409.63 259.20 Td (present ) Tj ET Q q 0 0 0 rg BT 440.73 259.20 Td (these ) Tj ET Q q 0 0 0 rg BT 463.50 259.20 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 508.69 259.20 Td ( ) Tj ET Q q 0 0 0 rg BT 510.91 259.20 Td (measures ) Tj ET Q q 0 0 0 rg BT 550.34 259.20 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 247.20 Td (the ) Tj ET Q q 0 0 0 rg BT 117.80 247.20 Td (periods ) Tj ET Q q 0 0 0 rg BT 148.83 247.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 169.85 247.20 Td (to ) Tj ET Q q 0 0 0 rg BT 179.22 247.20 Td (January ) Tj ET Q q 0 0 0 rg BT 211.90 247.20 Td (1, ) Tj ET Q q 0 0 0 rg BT 220.99 247.20 Td (2014, ) Tj ET Q q 0 0 0 rg BT 245.07 247.20 Td (as ) Tj ET Q q 0 0 0 rg BT 254.99 247.20 Td (they ) Tj ET Q q 0 0 0 rg BT 273.79 247.20 Td (reflected ) Tj ET Q q 0 0 0 rg BT 310.35 247.20 Td (how ) Tj ET Q q 0 0 0 rg BT 329.16 247.20 Td (management ) Tj ET Q q 0 0 0 rg BT 381.83 247.20 Td (assessed ) Tj ET Q q 0 0 0 rg BT 417.30 247.20 Td (the ) Tj ET Q q 0 0 0 rg BT 431.10 247.20 Td (underlying ) Tj ET Q q 0 0 0 rg BT 476.01 247.20 Td (business ) Tj ET Q q 0 0 0 rg BT 511.49 247.20 Td (performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 235.20 Td (of ) Tj ET Q q 0 0 0 rg BT 114.83 235.20 Td (the ) Tj ET Q q 0 0 0 rg BT 129.55 235.20 Td (CIB ) Tj ET Q q 0 0 0 rg BT 148.72 235.20 Td (in ) Tj ET Q q 0 0 0 rg BT 159.00 235.20 Td (those ) Tj ET Q q 0 0 0 rg BT 182.60 235.20 Td (prior ) Tj ET Q q 0 0 0 rg BT 204.54 235.20 Td (periods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 219.20 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 219.20 Td (The ) Tj ET Q q 0 0 0 rg BT 123.44 219.20 Td (change ) Tj ET Q q 0 0 0 rg BT 155.65 219.20 Td (in ) Tj ET Q q 0 0 0 rg BT 167.33 219.20 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 194.00 219.20 Td (Income ) Tj ET Q q 0 0 0 rg BT 227.88 219.20 Td (Markets ) Tj ET Q q 0 0 0 rg BT 264.55 219.20 Td (revenue ) Tj ET Q q 0 0 0 rg BT 300.09 219.20 Td (excludes ) Tj ET Q q 0 0 0 rg BT 338.97 219.20 Td (the ) Tj ET Q q 0 0 0 rg BT 355.08 219.20 Td (revenue ) Tj ET Q q 0 0 0 rg BT 390.63 219.20 Td (decline ) Tj ET Q q 0 0 0 rg BT 423.39 219.20 Td (related ) Tj ET Q q 0 0 0 rg BT 454.49 219.20 Td (to ) Tj ET Q q 0 0 0 rg BT 466.17 219.20 Td (business ) Tj ET Q q 0 0 0 rg BT 503.95 219.20 Td (simplification, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 207.20 Td (including ) Tj ET Q q 0 0 0 rg BT 144.27 207.20 Td (the ) Tj ET Q q 0 0 0 rg BT 158.99 207.20 Td (sales ) Tj ET Q q 0 0 0 rg BT 180.93 207.20 Td (of ) Tj ET Q q 0 0 0 rg BT 191.76 207.20 Td (Physical ) Tj ET Q q 0 0 0 rg BT 228.15 207.20 Td (Commodities ) Tj ET Q q 0 0 0 rg BT 284.54 207.20 Td (and ) Tj ET Q q 0 0 0 rg BT 301.48 207.20 Td (Global ) Tj ET Q q 0 0 0 rg BT 331.19 207.20 Td (Special ) Tj ET Q q 0 0 0 rg BT 363.13 207.20 Td (Opportunities ) Tj ET Q q 0 0 0 rg BT 420.62 207.20 Td (Group ) Tj ET Q q 0 0 0 rg BT 448.67 207.20 Td (businesses.) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 50.00 741.60 Td (Additional ) Tj ET Q q 0 0 0 rg BT 102.88 741.60 Td (notes ) Tj ET Q q 0 0 0 rg BT 130.07 741.60 Td (on ) Tj ET Q q 0 0 0 rg BT 144.44 741.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.14 741.60 Td (measur) Tj ET Q q 0 0 0 rg BT 222.77 741.60 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 717.60 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 717.60 Td (Core ) Tj ET Q q 0 0 0 rg BT 88.80 717.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 111.27 717.60 Td (include ) Tj ET Q q 0 0 0 rg BT 142.07 717.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 164.54 717.60 Td (considered ) Tj ET Q q 0 0 0 rg BT 209.22 717.60 Td (central ) Tj ET Q q 0 0 0 rg BT 237.78 717.60 Td (to ) Tj ET Q q 0 0 0 rg BT 246.92 717.60 Td (the ) Tj ET Q q 0 0 0 rg BT 260.50 717.60 Td (Firm? Tj ET Q q 0 0 0 rg BT 282.73 717.60 Td (s ) Tj ET Q q 0 0 0 rg BT 287.98 717.60 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 322.12 717.60 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 368.48 717.60 Td (core ) Tj ET Q q 0 0 0 rg BT 387.05 717.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 409.52 717.60 Td (exclude ) Tj ET Q q 0 0 0 rg BT 441.98 717.60 Td (runof) Tj ET Q q 0 0 0 rg BT 463.46 717.60 Td (f ) Tj ET Q q 0 0 0 rg BT 468.15 717.60 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 510.90 717.60 Td (discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 705.60 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 109.39 705.60 Td (and ) Tj ET Q q 0 0 0 rg BT 126.33 705.60 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 167.71 705.60 Td (the ) Tj ET Q q 0 0 0 rg BT 182.43 705.60 Td (Firm ) Tj ET Q q 0 0 0 rg BT 204.38 705.60 Td (has ) Tj ET Q q 0 0 0 rg BT 220.21 705.60 Td (an ) Tj ET Q q 0 0 0 rg BT 232.15 705.60 Td (intent ) Tj ET Q q 0 0 0 rg BT 257.42 705.60 Td (to ) Tj ET Q q 0 0 0 rg BT 267.70 705.60 Td (exit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 681.60 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 681.60 Td (The ) Tj ET Q q 0 0 0 rg BT 85.99 681.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.43 681.60 Td (of ) Tj ET Q q 0 0 0 rg BT 129.20 681.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.41 681.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.40 681.60 Td (to ) Tj ET Q q 0 0 0 rg BT 202.62 681.60 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.17 681.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.15 681.60 Td (new ) Tj ET Q q 0 0 0 rg BT 293.26 681.60 Td (and ) Tj ET Q q 0 0 0 rg BT 310.14 681.60 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.45 681.60 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.16 681.60 Td (including ) Tj ET Q q 0 0 0 rg BT 414.37 681.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.93 681.60 Td (and ) Tj ET Q q 0 0 0 rg BT 454.81 681.60 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.01 681.60 Td (The ) Tj ET Q q 0 0 0 rg BT 532.01 681.60 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 669.60 Td (of ) Tj ET Q q 0 0 0 rg BT 78.35 669.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 103.13 669.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.70 669.60 Td (to ) Tj ET Q q 0 0 0 rg BT 150.50 669.60 Td (small ) Tj ET Q q 0 0 0 rg BT 174.18 669.60 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.42 669.60 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.86 669.60 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.99 669.60 Td (and ) Tj ET Q q 0 0 0 rg BT 289.45 669.60 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.22 669.60 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.13 669.60 Td (of ) Tj ET Q q 0 0 0 rg BT 360.48 669.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.26 669.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 422.82 669.60 Td (by ) Tj ET Q q 0 0 0 rg BT 434.84 669.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 477.97 669.60 Td (& ) Tj ET Q q 0 0 0 rg BT 487.77 669.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.35 669.60 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 657.60 Td (Card, ) Tj ET Q q 0 0 0 rg BT 93.10 657.60 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 134.58 657.60 Td (Services ) Tj ET Q q 0 0 0 rg BT 171.62 657.60 Td (& ) Tj ET Q q 0 0 0 rg BT 181.86 657.60 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 207.80 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 225.41 657.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 278.00 657.60 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 317.32 657.60 Td (The ) Tj ET Q q 0 0 0 rg BT 336.03 657.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 369.19 657.60 Td (of ) Tj ET Q q 0 0 0 rg BT 380.68 657.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.61 657.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 445.32 657.60 Td (to ) Tj ET Q q 0 0 0 rg BT 456.26 657.60 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 496.64 657.60 Td (and ) Tj ET Q q 0 0 0 rg BT 514.24 657.60 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 645.60 Td (entities, ) Tj ET Q q 0 0 0 rg BT 102.02 645.60 Td (including ) Tj ET Q q 0 0 0 rg BT 142.42 645.60 Td (states, ) Tj ET Q q 0 0 0 rg BT 169.77 645.60 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 231.56 645.60 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 269.76 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 286.83 645.60 Td (universities, ) Tj ET Q q 0 0 0 rg BT 338.07 645.60 Td (represents ) Tj ET Q q 0 0 0 rg BT 381.24 645.60 Td (that ) Tj ET Q q 0 0 0 rg BT 398.87 645.60 Td (provided ) Tj ET Q q 0 0 0 rg BT 437.05 645.60 Td (by ) Tj ET Q q 0 0 0 rg BT 449.68 645.60 Td (the ) Tj ET Q q 0 0 0 rg BT 464.53 645.60 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 507.15 645.60 Td (& ) Tj ET Q q 0 0 0 rg BT 517.57 645.60 Td (Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 633.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 91.61 633.60 Td (and ) Tj ET Q q 0 0 0 rg BT 108.55 633.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 160.48 633.60 Td (Banking. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 609.60 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 609.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 111.29 609.60 Td (& ) Tj ET Q q 0 0 0 rg BT 121.25 609.60 Td (Community ) Tj ET Q q 0 0 0 rg BT 171.22 609.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 207.29 609.60 Td (2014 ) Tj ET Q q 0 0 0 rg BT 229.48 609.60 Td (allocated ) Tj ET Q q 0 0 0 rg BT 267.75 609.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 294.93 609.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 330.44 609.60 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 350.12 609.60 Td (billion ) Tj ET Q q 0 0 0 rg BT 378.42 609.60 Td (of ) Tj ET Q q 0 0 0 rg BT 388.93 609.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 417.77 609.60 Td (held ) Tj ET Q q 0 0 0 rg BT 437.17 609.60 Td (at ) Tj ET Q q 0 0 0 rg BT 446.57 609.60 Td (the ) Tj ET Q q 0 0 0 rg BT 460.97 609.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 504.26 609.60 Td (& ) Tj ET Q q 0 0 0 rg BT 514.23 609.60 Td (Community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 597.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 104.39 597.60 Td (level ) Tj ET Q q 0 0 0 rg BT 126.32 597.60 Td (related ) Tj ET Q q 0 0 0 rg BT 156.02 597.60 Td (to ) Tj ET Q q 0 0 0 rg BT 166.30 597.60 Td (legacy ) Tj ET Q q 0 0 0 rg BT 194.89 597.60 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 235.16 597.60 Td (servicing ) Tj ET Q q 0 0 0 rg BT 274.31 597.60 Td (matters.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 573.60 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 573.60 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 111.61 573.60 Td (& ) Tj ET Q q 0 0 0 rg BT 121.89 573.60 Td (Business ) Tj ET Q q 0 0 0 rg BT 159.95 573.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 196.33 573.60 Td (deposit ) Tj ET Q q 0 0 0 rg BT 227.72 573.60 Td (rankings ) Tj ET Q q 0 0 0 rg BT 264.66 573.60 Td (are ) Tj ET Q q 0 0 0 rg BT 279.37 573.60 Td (based ) Tj ET Q q 0 0 0 rg BT 304.64 573.60 Td (on ) Tj ET Q q 0 0 0 rg BT 317.14 573.60 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 342.42 573.60 Td (2014 ) Tj ET Q q 0 0 0 rg BT 364.92 573.60 Td (Summary ) Tj ET Q q 0 0 0 rg BT 406.31 573.60 Td (of ) Tj ET Q q 0 0 0 rg BT 417.14 573.60 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 454.64 573.60 Td (survey ) Tj ET Q q 0 0 0 rg BT 483.80 573.60 Td (per ) Tj ET Q q 0 0 0 rg BT 499.06 573.60 Td (SNL) Tj ET Q q 0 0 0 rg BT 517.58 573.60 Td ( ) Tj ET Q q 0 0 0 rg BT 520.08 573.60 Td (Financial.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 549.60 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 549.60 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 549.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 111.31 549.60 Td (and ) Tj ET Q q 0 0 0 rg BT 128.25 549.60 Td (debit ) Tj ET Q q 0 0 0 rg BT 150.74 549.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 183.24 549.60 Td (metric ) Tj ET Q q 0 0 0 rg BT 211.28 549.60 Td (is ) Tj ET Q q 0 0 0 rg BT 220.45 549.60 Td (based ) Tj ET Q q 0 0 0 rg BT 245.72 549.60 Td (on ) Tj ET Q q 0 0 0 rg BT 258.22 549.60 Td (Nilson ) Tj ET Q q 0 0 0 rg BT 287.39 549.60 Td (data ) Tj ET Q q 0 0 0 rg BT 306.54 549.60 Td (as ) Tj ET Q q 0 0 0 rg BT 317.38 549.60 Td (of ) Tj ET Q q 0 0 0 rg BT 328.21 549.60 Td (2013.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 525.60 Td (f. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.39 525.60 Td (card ) Tj ET Q q 0 0 0 rg BT 114.99 525.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 136.83 525.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 169.22 525.60 Td (is ) Tj ET Q q 0 0 0 rg BT 178.28 525.60 Td (presented ) Tj ET Q q 0 0 0 rg BT 218.99 525.60 Td (excluding ) Tj ET Q q 0 0 0 rg BT 260.82 525.60 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 312.64 525.60 Td (Card. ) Tj ET Q q 0 0 0 rg BT 336.98 525.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 377.15 525.60 Td (and ) Tj ET Q q 0 0 0 rg BT 393.98 525.60 Td (comparison ) Tj ET Q q 0 0 0 rg BT 443.03 525.60 Td (of ) Tj ET Q q 0 0 0 rg BT 453.76 525.60 Td (general ) Tj ET Q q 0 0 0 rg BT 485.58 525.60 Td (purpose ) Tj ET Q q 0 0 0 rg BT 519.63 525.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 544.79 525.60 Td (card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 513.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 89.94 513.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 122.43 513.60 Td (are ) Tj ET Q q 0 0 0 rg BT 137.14 513.60 Td (based ) Tj ET Q q 0 0 0 rg BT 162.41 513.60 Td (on ) Tj ET Q q 0 0 0 rg BT 174.91 513.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 221.85 513.60 Td (by ) Tj ET Q q 0 0 0 rg BT 234.35 513.60 Td (peers ) Tj ET Q q 0 0 0 rg BT 257.95 513.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.88 513.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 307.93 513.60 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 350.14 513.60 Td (Rankings ) Tj ET Q q 0 0 0 rg BT 390.42 513.60 Td (are ) Tj ET Q q 0 0 0 rg BT 405.12 513.60 Td (as ) Tj ET Q q 0 0 0 rg BT 415.95 513.60 Td (of ) Tj ET Q q 0 0 0 rg BT 426.78 513.60 Td (3Q14.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 489.60 Td (g. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 489.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 104.39 489.60 Td (portal ) Tj ET Q q 0 0 0 rg BT 130.21 489.60 Td (ranking ) Tj ET Q q 0 0 0 rg BT 163.26 489.60 Td (is ) Tj ET Q q 0 0 0 rg BT 172.43 489.60 Td (per ) Tj ET Q q 0 0 0 rg BT 187.70 489.60 Td (compete.com, ) Tj ET Q q 0 0 0 rg BT 246.29 489.60 Td (as ) Tj ET Q q 0 0 0 rg BT 257.12 489.60 Td (of ) Tj ET Q q 0 0 0 rg BT 267.95 489.60 Td (November ) Tj ET Q q 0 0 0 rg BT 312.65 489.60 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 465.60 Td (h. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 465.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 110.73 465.60 Td (Banking ) Tj ET Q q 0 0 0 rg BT 148.46 465.60 Td (provision ) Tj ET Q q 0 0 0 rg BT 190.09 465.60 Td (for ) Tj ET Q q 0 0 0 rg BT 205.60 465.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 232.21 465.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 259.95 465.60 Td (is ) Tj ET Q q 0 0 0 rg BT 270.47 465.60 Td (included ) Tj ET Q q 0 0 0 rg BT 308.75 465.60 Td (in ) Tj ET Q q 0 0 0 rg BT 320.38 465.60 Td (Real ) Tj ET Q q 0 0 0 rg BT 342.56 465.60 Td (Estate ) Tj ET Q q 0 0 0 rg BT 370.84 465.60 Td (Portfolios, ) Tj ET Q q 0 0 0 rg BT 416.64 465.60 Td (in ) Tj ET Q q 0 0 0 rg BT 428.26 465.60 Td (production ) Tj ET Q q 0 0 0 rg BT 475.44 465.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 511.49 465.60 Td (in ) Tj ET Q q 0 0 0 rg BT 523.12 465.60 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 453.60 Td (Production, ) Tj ET Q q 0 0 0 rg BT 116.89 453.60 Td (and ) Tj ET Q q 0 0 0 rg BT 133.83 453.60 Td (in ) Tj ET Q q 0 0 0 rg BT 144.10 453.60 Td (core ) Tj ET Q q 0 0 0 rg BT 163.81 453.60 Td (servicing ) Tj ET Q q 0 0 0 rg BT 202.97 453.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 237.67 453.60 Td (in ) Tj ET Q q 0 0 0 rg BT 247.95 453.60 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 289.33 453.60 Td (Servicing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 429.60 Td (i. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 429.60 Td (#1 ) Tj ET Q q 0 0 0 rg BT 80.50 429.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 105.76 429.60 Td (card ) Tj ET Q q 0 0 0 rg BT 125.47 429.60 Td (issuer ) Tj ET Q q 0 0 0 rg BT 151.30 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 168.24 429.60 Td (21% ) Tj ET Q q 0 0 0 rg BT 189.07 429.60 Td (market ) Tj ET Q q 0 0 0 rg BT 219.33 429.60 Td (share ) Tj ET Q q 0 0 0 rg BT 242.93 429.60 Td (rankings ) Tj ET Q q 0 0 0 rg BT 279.87 429.60 Td (based ) Tj ET Q q 0 0 0 rg BT 305.14 429.60 Td (on ) Tj ET Q q 0 0 0 rg BT 317.64 429.60 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 364.58 429.60 Td (by ) Tj ET Q q 0 0 0 rg BT 377.08 429.60 Td (peers ) Tj ET Q q 0 0 0 rg BT 400.68 429.60 Td (and ) Tj ET Q q 0 0 0 rg BT 417.61 429.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 450.66 429.60 Td (estimates ) Tj ET Q q 0 0 0 rg BT 490.37 429.60 Td (as ) Tj ET Q q 0 0 0 rg BT 501.20 429.60 Td (of ) Tj ET Q q 0 0 0 rg BT 512.03 429.60 Td (3Q14. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 405.60 Td (j. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 405.60 Td (#1 ) Tj ET Q q 0 0 0 rg BT 80.60 405.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 100.99 405.60 Td (co-brand ) Tj ET Q q 0 0 0 rg BT 139.13 405.60 Td (issuer ) Tj ET Q q 0 0 0 rg BT 165.07 405.60 Td (based ) Tj ET Q q 0 0 0 rg BT 190.44 405.60 Td (on ) Tj ET Q q 0 0 0 rg BT 203.04 405.60 Td (Phoenix ) Tj ET Q q 0 0 0 rg BT 238.43 405.60 Td (Credit ) Tj ET Q q 0 0 0 rg BT 266.02 405.60 Td (Card ) Tj ET Q q 0 0 0 rg BT 288.07 405.60 Td (Monitor ) Tj ET Q q 0 0 0 rg BT 323.45 405.60 Td (for ) Tj ET Q q 0 0 0 rg BT 337.71 405.60 Td (the ) Tj ET Q q 0 0 0 rg BT 352.53 405.60 Td (12-months ) Tj ET Q q 0 0 0 rg BT 397.92 405.60 Td (period ) Tj ET Q q 0 0 0 rg BT 426.07 405.60 Td (ending ) Tj ET Q q 0 0 0 rg BT 455.89 405.60 Td (September ) Tj ET Q q 0 0 0 rg BT 501.26 405.60 Td (2014; ) Tj ET Q q 0 0 0 rg BT 526.64 405.60 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 405.60 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 393.60 Td (card ) Tj ET Q q 0 0 0 rg BT 87.71 393.60 Td (accounts ) Tj ET Q q 0 0 0 rg BT 125.19 393.60 Td (and ) Tj ET Q q 0 0 0 rg BT 142.13 393.60 Td (revolving ) Tj ET Q q 0 0 0 rg BT 182.96 393.60 Td (balance ) Tj ET Q q 0 0 0 rg BT 215.99 393.60 Td (dollars.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 369.60 Td (k. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 369.60 Td (Global ) Tj ET Q q 0 0 0 rg BT 97.54 369.60 Td (V) Tj ET Q q 0 0 0 rg BT 104.16 369.60 Td (isa ) Tj ET Q q 0 0 0 rg BT 117.77 369.60 Td (ranking ) Tj ET Q q 0 0 0 rg BT 150.81 369.60 Td (based ) Tj ET Q q 0 0 0 rg BT 176.08 369.60 Td (on ) Tj ET Q q 0 0 0 rg BT 188.40 369.60 Td (V) Tj ET Q q 0 0 0 rg BT 195.02 369.60 Td (isa ) Tj ET Q q 0 0 0 rg BT 208.63 369.60 Td (data ) Tj ET Q q 0 0 0 rg BT 227.79 369.60 Td (as ) Tj ET Q q 0 0 0 rg BT 238.62 369.60 Td (of ) Tj ET Q q 0 0 0 rg BT 249.45 369.60 Td (3Q14 ) Tj ET Q q 0 0 0 rg BT 274.17 369.60 Td (based ) Tj ET Q q 0 0 0 rg BT 299.44 369.60 Td (on ) Tj ET Q q 0 0 0 rg BT 311.94 369.60 Td (consumer ) Tj ET Q q 0 0 0 rg BT 353.31 369.60 Td (and ) Tj ET Q q 0 0 0 rg BT 370.25 369.60 Td (business ) Tj ET Q q 0 0 0 rg BT 406.64 369.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 431.91 369.60 Td (card ) Tj ET Q q 0 0 0 rg BT 451.61 369.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 473.55 369.60 Td (volume.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 345.60 Td (l. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 345.60 Td (#1 ) Tj ET Q q 0 0 0 rg BT 80.06 345.60 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 139.89 345.60 Td (merchant ) Tj ET Q q 0 0 0 rg BT 179.15 345.60 Td (acquirer ) Tj ET Q q 0 0 0 rg BT 213.97 345.60 Td (based ) Tj ET Q q 0 0 0 rg BT 238.80 345.60 Td (on ) Tj ET Q q 0 0 0 rg BT 250.86 345.60 Td (Nilson ) Tj ET Q q 0 0 0 rg BT 279.59 345.60 Td (data ) Tj ET Q q 0 0 0 rg BT 298.30 345.60 Td (as ) Tj ET Q q 0 0 0 rg BT 308.69 345.60 Td (of ) Tj ET Q q 0 0 0 rg BT 319.08 345.60 Td (2013; ) Tj ET Q q 0 0 0 rg BT 343.92 345.60 Td (share ) Tj ET Q q 0 0 0 rg BT 367.08 345.60 Td (of ) Tj ET Q q 0 0 0 rg BT 377.47 345.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 397.32 345.60 Td (eCommerce ) Tj ET Q q 0 0 0 rg BT 447.69 345.60 Td (volume ) Tj ET Q q 0 0 0 rg BT 479.74 345.60 Td (based ) Tj ET Q q 0 0 0 rg BT 504.57 345.60 Td (on ) Tj ET Q q 0 0 0 rg BT 516.63 345.60 Td (the ) Tj ET Q q 0 0 0 rg BT 530.91 345.60 Td (Internet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 333.60 Td (Retailer ) Tj ET Q q 0 0 0 rg BT 101.97 333.60 Td (T) Tj ET Q q 0 0 0 rg BT 107.38 333.60 Td (op ) Tj ET Q q 0 0 0 rg BT 119.88 333.60 Td (500 ) Tj ET Q q 0 0 0 rg BT 137.38 333.60 Td (for ) Tj ET Q q 0 0 0 rg BT 151.54 333.60 Td (2013 ) Tj ET Q q 0 0 0 rg BT 174.04 333.60 Td (and ) Tj ET Q q 0 0 0 rg BT 190.98 333.60 Td (JPMC ) Tj ET Q q 0 0 0 rg BT 218.49 333.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 251.54 333.60 Td (merchant ) Tj ET Q q 0 0 0 rg BT 291.24 333.60 Td (client ) Tj ET Q q 0 0 0 rg BT 315.95 333.60 Td (data.) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 726.30 Td (JPMor) Tj ET Q q 0 0 0 rg BT 81.79 726.30 Td (gan ) Tj ET Q q 0 0 0 rg BT 102.04 726.30 Td (Chase ) Tj ET Q q 0 0 0 rg BT 134.28 726.30 Td (& ) Tj ET Q q 0 0 0 rg BT 146.54 726.30 Td (Co. ) Tj ET Q q 0 0 0 rg BT 166.46 726.30 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 208.05 726.30 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 236.98 726.30 Td (is ) Tj ET Q q 0 0 0 rg BT 247.90 726.30 Td (a ) Tj ET Q q 0 0 0 rg BT 256.14 726.30 Td (leading ) Tj ET Q q 0 0 0 rg BT 294.38 726.30 Td (global ) Tj ET Q q 0 0 0 rg BT 327.30 726.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 372.19 726.30 Td (services ) Tj ET Q q 0 0 0 rg BT 413.76 726.30 Td (firm ) Tj ET Q q 0 0 0 rg BT 437.34 726.30 Td (with ) Tj ET Q q 0 0 0 rg BT 461.59 726.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 492.51 726.30 Td (of ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 505.43 726.30 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 529.35 726.30 Td (trillion) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 562.01 726.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 711.90 Td (and ) Tj ET Q q 0 0 0 rg BT 69.93 711.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 122.51 711.90 Td (worldwide. ) Tj ET Q q 0 0 0 rg BT 179.25 711.90 Td (The ) Tj ET Q q 0 0 0 rg BT 200.50 711.90 Td (Firm ) Tj ET Q q 0 0 0 rg BT 226.44 711.90 Td (is ) Tj ET Q q 0 0 0 rg BT 237.05 711.90 Td (a ) Tj ET Q q 0 0 0 rg BT 244.97 711.90 Td (leader ) Tj ET Q q 0 0 0 rg BT 276.88 711.90 Td (in ) Tj ET Q q 0 0 0 rg BT 288.81 711.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 344.07 711.90 Td (banking, ) Tj ET Q q 0 0 0 rg BT 388.33 711.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.91 711.90 Td (services ) Tj ET Q q 0 0 0 rg BT 474.16 711.90 Td (for ) Tj ET Q q 0 0 0 rg BT 490.75 711.90 Td (consumers ) Tj ET Q q 0 0 0 rg BT 544.67 711.90 Td (and ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 697.50 Td (small ) Tj ET Q q 0 0 0 rg BT 77.74 697.50 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 133.16 697.50 Td (commercial ) Tj ET Q q 0 0 0 rg BT 191.54 697.50 Td (banking, ) Tj ET Q q 0 0 0 rg BT 234.95 697.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 278.67 697.50 Td (transaction ) Tj ET Q q 0 0 0 rg BT 333.06 697.50 Td (processing, ) Tj ET Q q 0 0 0 rg BT 389.13 697.50 Td (and ) Tj ET Q q 0 0 0 rg BT 408.20 697.50 Td (asset ) Tj ET Q q 0 0 0 rg BT 433.27 697.50 Td (management. ) Tj ET Q q 0 0 0 rg BT 498.94 697.50 Td (A) Tj ET Q q 0 0 0 rg BT 506.94 697.50 Td ( ) Tj ET Q q 0 0 0 rg BT 508.69 697.50 Td (component ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 63.58 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.82 683.10 Td (Dow ) Tj ET Q q 0 0 0 rg BT 108.74 683.10 Td (Jones ) Tj ET Q q 0 0 0 rg BT 138.99 683.10 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 187.77 683.10 Td (A) Tj ET Q q 0 0 0 rg BT 195.54 683.10 Td (verage, ) Tj ET Q q 0 0 0 rg BT 234.10 683.10 Td (JPMor) Tj ET Q q 0 0 0 rg BT 265.89 683.10 Td (gan ) Tj ET Q q 0 0 0 rg BT 286.80 683.10 Td (Chase ) Tj ET Q q 0 0 0 rg BT 319.71 683.10 Td (& ) Tj ET Q q 0 0 0 rg BT 332.63 683.10 Td (Co. ) Tj ET Q q 0 0 0 rg BT 353.22 683.10 Td (serves ) Tj ET Q q 0 0 0 rg BT 386.79 683.10 Td (millions ) Tj ET Q q 0 0 0 rg BT 429.71 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.29 683.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 498.20 683.10 Td (in ) Tj ET Q q 0 0 0 rg BT 511.11 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.36 683.10 Td (United ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 668.70 Td (States ) Tj ET Q q 0 0 0 rg BT 81.39 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 101.45 668.70 Td (many ) Tj ET Q q 0 0 0 rg BT 130.84 668.70 Td (of ) Tj ET Q q 0 0 0 rg BT 143.56 668.70 Td (the ) Tj ET Q q 0 0 0 rg BT 160.95 668.70 Td (world's ) Tj ET Q q 0 0 0 rg BT 198.51 668.70 Td (most ) Tj ET Q q 0 0 0 rg BT 224.58 668.70 Td (prominent ) Tj ET Q q 0 0 0 rg BT 276.63 668.70 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 327.66 668.70 Td (institutional ) Tj ET Q q 0 0 0 rg BT 387.73 668.70 Td (and ) Tj ET Q q 0 0 0 rg BT 407.78 668.70 Td (government ) Tj ET Q q 0 0 0 rg BT 467.83 668.70 Td (clients ) Tj ET Q q 0 0 0 rg BT 501.88 668.70 Td (under ) Tj ET Q q 0 0 0 rg BT 531.93 668.70 Td (its ) Tj ET Q q 0 0 0 rg BT 546.00 668.70 Td (J.P) Tj ET Q q 0 0 0 rg BT 559.01 668.70 Td (. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 50.00 654.30 Td (Mor) Tj ET Q q 0 0 0 rg BT 70.45 654.30 Td (gan ) Tj ET Q q 0 0 0 rg BT 99.76 654.30 Td (and ) Tj ET Q q 0 0 0 rg BT 129.08 654.30 Td (Chase ) Tj ET Q q 0 0 0 rg BT 170.39 654.30 Td (brands. ) Tj ET Q q 0 0 0 rg BT 217.37 654.30 Td (Information ) Tj ET Q q 0 0 0 rg BT 286.67 654.30 Td (about ) Tj ET Q q 0 0 0 rg BT 325.32 654.30 Td (JPMor) Tj ET Q q 0 0 0 rg BT 357.11 654.30 Td (gan ) Tj ET Q q 0 0 0 rg BT 386.43 654.30 Td (Chase ) Tj ET Q q 0 0 0 rg BT 427.74 654.30 Td (& ) Tj ET Q q 0 0 0 rg BT 449.06 654.30 Td (Co. ) Tj ET Q q 0 0 0 rg BT 478.05 654.30 Td (is ) Tj ET Q q 0 0 0 rg BT 498.04 654.30 Td (available ) Tj ET Q q 0 0 0 rg BT 553.34 654.30 Td (at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 654.30 Td ( ) Tj ET Q BT /F1 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 50.00 639.90 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 75.22 639.90 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 106.67 639.90 Td (ganchase.com.) 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0 0 rg BT 255.14 387.90 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 303.47 387.90 Td (statements. ) Tj ET Q q 0 0 0 rg BT 359.47 387.90 Td (Factors ) Tj ET Q q 0 0 0 rg BT 399.14 387.90 Td (that ) Tj ET Q q 0 0 0 rg BT 420.14 387.90 Td (could ) Tj ET Q q 0 0 0 rg BT 449.14 387.90 Td (cause ) Tj ET Q q 0 0 0 rg BT 478.80 387.90 Td (JPMor) Tj ET Q q 0 0 0 rg BT 511.68 387.90 Td (gan ) Tj ET Q q 0 0 0 rg BT 532.02 387.90 Td (Chase ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 373.50 Td (& ) Tj ET Q q 0 0 0 rg BT 63.10 373.50 Td (Co.'s ) Tj ET Q q 0 0 0 rg BT 91.11 373.50 Td (actual ) Tj ET Q q 0 0 0 rg BT 124.87 373.50 Td (r) Tj ET Q q 0 0 0 rg BT 129.09 373.50 Td (esults ) Tj ET Q q 0 0 0 rg BT 160.19 373.50 Td (to ) Tj ET Q q 0 0 0 rg BT 173.29 373.50 Td (differ ) Tj ET Q q 0 0 0 rg BT 203.06 373.50 Td (materially ) Tj ET Q q 0 0 0 rg BT 256.15 373.50 Td (fr) Tj ET Q q 0 0 0 rg BT 263.70 373.50 Td (om ) Tj ET Q q 0 0 0 rg BT 282.14 373.50 Td (those ) Tj ET Q q 0 0 0 rg BT 311.23 373.50 Td 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Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 643.68 Td (NET INCOME) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 643.68 Td (4,931) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 643.68 Td (5,572) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 643.68 Td (5,278) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 643.68 Td (\(12) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 643.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 643.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 643.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 643.68 Td (21,762) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 643.68 Td (17,923) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 643.68 Td (21) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 631.68 Td (Managed Basis \(a\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 623.68 Td (Total net revenue) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.60 623.68 Td (23,552) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.60 623.68 Td (25,159) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 623.68 Td (24,112) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 623.68 Td (\(6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 623.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 623.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 623.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 623.68 Td (97,923) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 623.68 Td (99,798) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 623.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 623.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 615.68 Td (Total noninterest expense) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 212.60 615.68 Td (15,409) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 266.60 615.68 Td (15,798) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 320.60 615.68 Td (15,552) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 615.68 Td (\(2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 615.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 615.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 615.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 615.68 Td (61,274) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 615.68 Td (70,467) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 615.68 Td (\(13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 615.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 607.68 Td (Pre-provision profit) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 607.68 Td (8,143) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 607.68 Td (9,361) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 607.68 Td (8,560) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 607.68 Td (\(13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 607.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 607.68 Td (\(5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 607.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 607.68 Td (36,649) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 607.68 Td (29,331) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 607.68 Td (25) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 599.68 Td (Provision for credit losses) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 599.68 Td (840) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 599.68 Td (757) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 599.68 Td (104) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 599.68 Td (11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 400.65 599.68 Td (NM) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 599.68 Td (3,139) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 511.95 599.68 Td (225) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 560.65 599.68 Td (NM? Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 591.68 Td (NET INCOME) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 591.68 Td (4,931) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 591.68 Td (5,572) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 591.68 Td (5,278) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 591.68 Td (\(12) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 591.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 591.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 591.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 450.60 591.68 Td (21,762) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 591.68 Td (17,923) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 591.68 Td (21) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 579.23115234375 m 138.6728515625 579.23115234375 l s q 0 0 0 rg BT 53.00 580.18 Td (EARNINGS PER SHARE DATA) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 571.68 Td (Net income: Basic) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 571.68 Td (1.20) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 571.68 Td (1.37) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 571.68 Td (1.31) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 571.68 Td (\(12) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 571.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 571.68 Td (\(8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 571.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 571.68 Td (5.34) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 571.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 571.68 Td (4.39) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 571.68 Td (22) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 71.00 563.68 Td ( Diluted) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 563.68 Td (1.19) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 563.68 Td (1.36) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 563.68 Td (1.30) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 563.68 Td (\(13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 563.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 563.68 Td (\(8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 563.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 563.68 Td (5.29) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 563.68 Td (4.35) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 563.68 Td (22) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 551.68 Td (Average shares: Basic) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 210.95 551.68 Td (3,730.9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 264.95 551.68 Td (3,755.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 318.95 551.68 Td (3,762.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 551.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 551.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 551.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 551.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.95 551.68 Td (3,763.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.95 551.68 Td (3,782.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 551.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 543.68 Td ( Diluted) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 210.95 543.68 Td (3,765.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 264.95 543.68 Td (3,788.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 318.95 543.68 Td (3,797.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 543.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 543.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 543.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 543.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.95 543.68 Td (3,797.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.95 543.68 Td (3,814.9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 543.68 Td (? Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 531.23115234375 m 176.7734375 531.23115234375 l s q 0 0 0 rg BT 53.00 532.18 Td (MARKET AND PER COMMON SHARE DATA) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 523.68 Td (Market capitalization) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 523.68 Td (232,472) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 523.68 Td (225,188) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 523.68 Td (219,657) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 523.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 523.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 523.68 Td (232,472) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 523.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 523.68 Td (219,657) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 523.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 515.68 Td (Common shares at period-end) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 210.95 515.68 Td (3,714.8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 264.95 515.68 Td (3,738.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 318.95 515.68 Td (3,756.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 515.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 515.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 515.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 515.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 448.95 515.68 Td (3,714.8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 501.95 515.68 Td (3,756.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 515.68 Td (\(1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 515.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 507.68 Td (Closing share price \(b\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 507.68 Td (62.58) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 507.68 Td (60.24) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 507.68 Td (58.48) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 507.68 Td (4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 507.68 Td (7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 507.68 Td (62.58) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 507.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 507.68 Td (58.48) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 507.68 Td (7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 499.68 Td (Book value per share) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 499.68 Td (57.07) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 499.68 Td (56.50) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 499.68 Td (53.25) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 499.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 499.68 Td (7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 499.68 Td (57.07) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 499.68 Td (53.25) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 499.68 Td (7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 491.68 Td (Tangible book value per share \(c\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 491.68 Td (44.69) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 491.68 Td (44.13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 491.68 Td (40.81) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 491.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 491.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 491.68 Td (44.69) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 491.68 Td (40.81) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 491.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 483.68 Td (Cash dividends declared per share) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 483.68 Td (0.40) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 483.68 Td (0.40) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 483.68 Td (0.38) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 483.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 483.68 Td (5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 483.68 Td (1.58) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 483.68 Td (\(j\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 483.68 Td (1.44) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 527.00 483.68 Td (\(j\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 483.68 Td (10) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 471.23115234375 m 118.4375 471.23115234375 l s q 0 0 0 rg BT 53.00 472.18 Td (FINANCIAL RATIOS \(d\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 463.68 Td (Return on common equity \(ROE\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 227.65 463.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 463.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 290.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 463.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 344.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 463.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 518.65 463.68 Td (9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 527.00 463.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 455.68 Td (Return on tangible common equity \(ROTCE\) \(c\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 455.68 Td (11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 455.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 455.68 Td (14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 455.68 Td (13) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 455.68 Td (11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 447.68 Td (Return on assets) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 447.68 Td (0.78) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 447.68 Td (0.90) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 447.68 Td (0.87) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 447.68 Td (0.89) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 447.68 Td (0.75) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 435.23115234375 m 111.3330078125 435.23115234375 l s q 0 0 0 rg BT 53.00 436.18 Td (CAPITAL RATIOS \(e\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 427.68 Td (Common Equity Tier 1 \(CET1\) capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 427.68 Td (10.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 427.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 427.68 Td (10.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 427.68 Td (10.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 427.68 Td (10.2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 427.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 427.68 Td (10.7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 419.68 Td (Tier 1 capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 419.68 Td (11.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 419.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 419.68 Td (11.5) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 419.68 Td (11.9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 419.68 Td (11.6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 419.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 419.68 Td (11.9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 411.68 Td (Total capital ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 219.25 411.68 Td (13.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 411.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 273.30 411.68 Td (12.8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 327.30 411.68 Td (14.4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 457.30 411.68 Td (13.1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 411.68 Td (\(i\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 510.30 411.68 Td (14.4) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 399.23115234375 m 171.013671875 399.23115234375 l s q 0 0 0 rg BT 53.00 400.18 Td (95% CONFIDENCE LEVEL- TOTAL VaR \(f\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 391.68 Td (Average VaR) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 391.68 Td (40) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 391.68 Td (36) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 391.68 Td (44) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.30 391.68 Td (11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 391.68 Td (\(9) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 391.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 391.68 Td (43) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 391.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 391.68 Td (52) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 391.68 Td (\(17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 391.68 Td (\)) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 378.68115234375 m 178.888671875 378.68115234375 l s q 0 0 0 rg BT 53.00 379.63 Td (SELECTED BALANCE SHEET DATA \(period-) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 372.68115234375 m 65.6650390625 372.68115234375 l s q 0 0 0 rg BT 53.00 373.63 Td (end\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 364.68 Td (Total assets) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 204.25 364.68 Td (2,573,126) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 258.30 364.68 Td (2,527,005) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 312.30 364.68 Td (2,415,689) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 364.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 364.68 Td (7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 442.30 364.68 Td (2,573,126) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 364.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 495.30 364.68 Td (2,415,689) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 364.68 Td (7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 356.68 Td (Loans:) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 348.68 Td (Consumer, excluding credit card loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 348.68 Td (295,374) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 348.68 Td (288,860) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 348.68 Td (289,063) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 348.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 348.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 348.68 Td (295,374) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 348.68 Td (289,063) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 348.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 340.68 Td (Credit card loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 340.68 Td (131,048) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 340.68 Td (126,959) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 340.68 Td (127,791) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 340.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 340.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 340.68 Td (131,048) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 340.68 Td (127,791) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 340.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 59.00 332.68 Td (Wholesale loans) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 332.68 Td (330,914) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 332.68 Td (327,438) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 332.68 Td (321,564) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 332.68 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 332.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 332.68 Td (330,914) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 332.68 Td (321,564) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 332.68 Td (3) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 65.00 324.68 Td (Total Loans) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 209.25 324.68 Td (757,336) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 263.30 324.68 Td (743,257) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 317.30 324.68 Td (738,418) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 324.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 324.68 Td (3) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 447.30 324.68 Td (757,336) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 500.30 324.68 Td (738,418) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 324.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 316.68 Td (Deposits) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 204.25 316.68 Td (1,363,427) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 258.30 316.68 Td (1,334,534) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 312.30 316.68 Td (1,287,765) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 316.68 Td (2) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 316.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 442.30 316.68 Td (1,363,427) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 495.30 316.68 Td (1,287,765) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 316.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 308.68 Td (Long-term debt \(g\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 308.68 Td (276,836) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 308.68 Td (268,721) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 308.68 Td (267,889) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 308.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 308.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 308.68 Td (276,836) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 308.68 Td (267,889) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 308.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 300.68 Td (Common stockholders?equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 300.68 Td (212,002) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 300.68 Td (211,214) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 300.68 Td (200,020) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 300.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 300.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 300.68 Td (212,002) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 300.68 Td (200,020) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 300.68 Td (6) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 292.68 Td (Total stockholders?equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 292.68 Td (232,065) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 292.68 Td (231,277) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 292.68 Td (211,178) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 292.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.30 292.68 Td (10) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 292.68 Td (232,065) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 292.68 Td (211,178) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 292.68 Td (10) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 53.00 280.68 Td (Headcount) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 209.25 280.68 Td (241,359) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 263.30 280.68 Td (242,388) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 317.30 280.68 Td (251,196) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 367.95 280.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 280.68 Td (\(4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 280.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 447.30 280.68 Td (241,359) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 500.30 280.68 Td (251,196) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.65 280.68 Td (\(4) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 280.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 268.68 Td (Loans to deposits ratio) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 224.25 268.68 Td (56) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 236.00 268.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 268.68 Td (56) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 290.00 268.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 332.30 268.68 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 344.00 268.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.30 268.68 Td (56) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 474.00 268.68 Td (%) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 515.30 268.68 Td (57) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 527.00 268.68 Td (%) Tj ET Q BT /F5 6.00 Tf ET 0 0 0 RG /GS0 gs 0.63 w 0 i [] 0 d 1 J 1 j 3 M 53 255.68115234375 m 179.66796875 255.68115234375 l s q 0 0 0 rg BT 53.00 256.63 Td (LINE OF BUSINESS NET INCOME/\(LOSS\) \(h\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 247.68 Td (Consumer & Community Banking) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 196.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 215.95 247.68 Td (2,179) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 250.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 247.68 Td (2,529) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 323.95 247.68 Td (2,448) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 247.68 Td (\(14) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 247.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 402.30 247.68 Td (\(11) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 247.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 434.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 247.68 Td (9,185) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 488.00 247.68 Td ($) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 503.60 247.68 Td (11,061) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 247.68 Td (\(17) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 247.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 239.68 Td (Corporate & Investment Bank) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 239.68 Td (972) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 269.95 239.68 Td (1,687) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 239.68 Td (941) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 239.68 Td (\(42) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 239.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.65 239.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 239.68 Td (6,925) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 239.68 Td (8,887) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 562.30 239.68 Td (\(22) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 571.00 239.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 231.68 Td (Commercial Banking) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 231.68 Td (693) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 231.68 Td (671) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 231.68 Td (711) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 370.65 231.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 231.68 Td (\(3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 231.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 231.68 Td (2,635) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 231.68 Td (2,648) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 565.00 231.68 Td (? Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 223.68 Td (Asset Management) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 223.68 Td (540) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 274.95 223.68 Td (590) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 223.68 Td (581) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 368.65 223.68 Td (\(8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 223.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 223.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 223.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 453.95 223.68 Td (2,153) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 506.95 223.68 Td (2,083) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 567.65 223.68 Td (3) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 53.00 215.68 Td (Corporate/Private Equity) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 220.95 215.68 Td (547) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 278.30 215.68 Td (95) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 328.95 215.68 Td (597) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 363.95 215.68 Td (476) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 215.68 Td (\(8) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 215.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 458.95 215.68 Td (864) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 504.95 215.68 Td (\(6,756) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 522.00 215.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 560.65 215.68 Td (NM? Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 59.00 207.68 Td (NET INCOME) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 196.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 215.95 207.68 Td (4,931) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 250.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 269.95 207.68 Td (5,572) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 304.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 323.95 207.68 Td (5,278) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 365.30 207.68 Td (\(12) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 374.00 207.68 Td (\)) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 405.65 207.68 Td (\(7) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 411.00 207.68 Td (\)) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 434.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 450.60 207.68 Td (21,762) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 488.00 207.68 Td ($) Tj ET Q BT /F5 6.00 Tf ET q 0 0 0 rg BT 503.60 207.68 Td (17,923) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 564.30 207.68 Td (21) Tj ET Q BT /F1 10.00 Tf ET BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 195.00 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 68.00 195.00 Td (For a further discussion of managed basis, see Note \(a\) on page 12.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 187.80 Td (\(b\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 187.80 Td (Share price shown is from the New ) Tj ET Q q 0 0 0 rg BT 162.60 187.80 Td (Y) Tj ET Q q 0 0 0 rg BT 166.05 187.80 Td (ork Stock Exchange. ) Tj ET Q q 0 0 0 rg BT 222.63 187.80 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 446.33 187.80 Td (T) Tj ET Q q 0 0 0 rg BT 449.33 187.80 Td (okyo Stock Exchange.) Tj ET Q BT /F6 6.00 Tf ET BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 180.60 Td (\(c\) ) Tj ET Q q 0 0 0 rg BT 68.00 180.60 Td (T) Tj ET Q q 0 0 0 rg BT 71.00 180.60 Td (angible book value per share and ROTCE are non-GAAP) Tj ET Q q 0 0 0 rg BT 222.98 180.60 Td ( financial measures. ) Tj ET Q q 0 0 0 rg BT 277.89 180.60 Td (T) Tj ET Q q 0 0 0 rg BT 280.89 180.60 Td (angible book value per share represents tangible common equity divided by common shares at period-end. ROTCE ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 173.40 Td (measures the Firm's annualized earnings as a percentage of tangible common equity) Tj ET Q q 0 0 0 rg BT 293.49 173.40 Td (. For further discussion of these measures, see page ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 435.23 173.40 Td (36) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 441.90 173.40 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 166.20 Td (\(d\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 166.20 Td (Ratios are based upon annualized amounts.) Tj ET Q BT /F6 6.00 Tf ET BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 159.00 Td (\(e\) ) Tj ET Q q 0 0 0 rg BT 68.00 159.00 Td (Basel III ) Tj ET Q q 0 0 0 rg BT 91.24 159.00 Td (T) Tj ET Q q 0 0 0 rg BT 94.68 159.00 Td (ransitional rules became ef) Tj ET Q q 0 0 0 rg BT 166.27 159.00 Td (fective on January 1, 2014; December 31, 2013 data is based on Basel I rules. ) Tj ET Q q 0 0 0 rg BT 376.07 159.00 Td (As of December 31, 2014, and September 30, 2014, the ratios presented are ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 151.80 Td (calculated under the Basel III ) Tj ET Q q 0 0 0 rg BT 146.72 151.80 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 174.96 151.80 Td (T) Tj ET Q q 0 0 0 rg BT 178.41 151.80 Td (ransitional ) Tj ET Q q 0 0 0 rg BT 207.09 151.80 Td (Approach. See footnote \(a\) on page ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 304.16 151.80 Td (1) Tj ET Q q 0 0 0 rg BT 307.05 151.80 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 310.39 151.80 Td ( of the Earnings Release Financial Supplement for additional information on Basel III. CET1 capital under ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 144.60 Td (Basel III replaced ) Tj ET Q q 0 0 0 rg BT 115.92 144.60 Td (T) Tj ET Q q 0 0 0 rg BT 119.36 144.60 Td (ier 1 common capital under Basel I. Prior to Basel III becoming ef) Tj ET Q q 0 0 0 rg BT 292.00 144.60 Td (fective on January 1, 2014, ) Tj ET Q q 0 0 0 rg BT 365.61 144.60 Td (T) Tj ET Q q 0 0 0 rg BT 369.05 144.60 Td (ier 1 common capital under Basel I was a non-GAAP) Tj ET Q q 0 0 0 rg BT 509.01 144.60 Td ( financial measure. For further ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 137.40 Td (discussion of ) Tj ET Q q 0 0 0 rg BT 104.24 137.40 Td (T) Tj ET Q q 0 0 0 rg BT 107.69 137.40 Td (ier 1 common capital, see page ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 192.73 137.40 Td (1) Tj ET Q q 0 0 0 rg BT 195.62 137.40 Td (1) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 198.96 137.40 Td ( of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 130.20 Td (\(f\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 130.20 Td (The increase inaverage V) Tj ET Q q 0 0 0 rg BT 137.59 130.20 Td (aR during the three months ended June 30, 2014 was due to a change in the MSR hedge position in Mortgage Banking in advance of an anticipated update to certain ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 123.00 Td (MSR model assumptions. When such updates were implemented, V) Tj ET Q q 0 0 0 rg BT 248.64 123.00 Td (aR decreased to prior levels. ) Tj ET Q q 0 0 0 rg BT 326.57 123.00 Td (The MSR model and assumptions are continuously evaluated and periodically updated to reflect ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 115.80 Td (recent market behavior) Tj ET Q q 0 0 0 rg BT 129.03 115.80 Td (. Mortgage Banking average V) Tj ET Q q 0 0 0 rg BT 209.64 115.80 Td (aR was $3 million, $3 million, $20 million, $5 million and $6 million for the three months ended December 31, 2014, September 30, 2014, June ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 108.60 Td (30, 2014, March 31, 2014 and December 31, 2013, respectively) Tj ET Q q 0 0 0 rg BT 236.99 108.60 Td (, and $7 million and $12 million for full year 2014 and 2013, respectively) Tj ET Q q 0 0 0 rg BT 427.00 108.60 Td (.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 428.66 108.60 Td ( For information regarding CIB V) Tj ET Q q 0 0 0 rg BT 514.59 108.60 Td (aR, see Corporate and ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 101.40 Td (Investment Bank on page 24 of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 95.40 Td (\(g\) ) Tj ET Q q 0 0 0 rg BT 68.00 95.40 Td (Included unsecured long-term debt of $207.5 billion, $204.7 billion and $199.4 billion for the periods ended ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 351.87 95.40 Td (December?1, 2014) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 404.57 95.40 Td (, ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 407.90 95.40 Td (September 30, 2014) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 462.27 95.40 Td ( and ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 475.62 95.40 Td (December?1, 2013) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 528.32 95.40 Td (, respectively) Tj ET Q q 0 0 0 rg BT 562.88 95.40 Td (.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 89.40 Td (\(h\) ) Tj ET Q q 0 0 0 rg BT 68.00 89.40 Td (Ef) Tj ET Q q 0 0 0 rg BT 73.56 89.40 Td (fective with the fourth quarter of 2014, the Firm changed the methodology it uses to allocate preferred stock dividends to the lines of business. Prior period amounts for net income/\(loss\) for each ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 83.40 Td (line of business were revised to conform with the current allocation methodology) Tj ET Q q 0 0 0 rg BT 280.33 83.40 Td (. ) Tj ET Q q 0 0 0 rg BT 283.56 83.40 Td (The Firm? Tj ET Q q 0 0 0 rg BT 308.78 83.40 Td (s Consolidated balance sheets and consolidated results of operations were not af) Tj ET Q q 0 0 0 rg BT 524.48 83.40 Td (fected by this reporting ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 77.40 Td (change. For further discussion, see page 2 of the Earnings Release Financial Supplement.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 71.40 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 68.00 71.40 Td (Estimated.) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 50.00 65.40 Td (\(j\) ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 65.40 Td (On May 20, 2014, the Board of Directors increased the quarterly common stock dividend from $0.38 to $0.40 per share) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 383.50 65.40 Td ( ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 385.17 65.40 Td (On May 21, 2013, the Board increased the quarterly common stock dividend ) Tj ET Q BT /F6 6.00 Tf ET q 0 0 0 rg BT 68.00 59.40 Td (from $0.30 to $0.38 per share.) Tj ET Q BT /F6 6.00 Tf ET /GS0 gs q 186.00 0 0 13.00 400.00 732.28 cm /I67 Do Q endstream endobj 33 0 obj <> /View <>>>>> endobj 34 0 obj <> /View <>>>>> endobj 35 0 obj <> endobj 36 0 obj <> stream xy\E?~nM{{wޑ?d??2? 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