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Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 761.26 Td (270 Park ) Tj ET Q q 0 0 0 rg BT 50.00 761.26 Td (A) Tj ET Q q 0 0 0 rg BT 55.83 761.26 Td (venue, New ) Tj ET Q q 0 0 0 rg BT 100.73 761.26 Td (Y) Tj ET Q q 0 0 0 rg BT 106.33 761.26 Td (ork, NY) Tj ET Q q 0 0 0 rg BT 135.49 761.26 Td ( 10017-2070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 752.26 Td (NYSE symbol: JPM) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 16 742.06005859375 m 109.2255859375 742.06005859375 l s q 0 0 1 rg BT 16.00 743.26 Td (www) Tj ET Q q 0 0 1 rg BT 34.91 743.26 Td (.jpmor) Tj ET Q q 0 0 1 rg BT 58.50 743.26 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 15.5 58 m 365.5 58 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 58 m 595.5 58 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 18.00 49.26 Td (Investor Contact: Jason Scott \(212\) 270-7325) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 18.00 41.82 Td ( 1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 21.41 38.65 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 89.79 38.65 Td ( financial measures, including managed basis reporting and key performance measures) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 18.00 28.65 Td ( see page 5. ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 18.00 18.70 Td ( For additional notes see page 6.) 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Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 359.04 508.31 Td (Our r) Tj ET Q q 0 0 0 rg BT 380.06 508.31 Td (esults this quarter wer) Tj ET Q q 0 0 0 rg BT 464.95 508.31 Td (e a str) Tj ET Q q 0 0 0 rg BT 488.35 508.31 Td (ong end to another ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 498.80 Td (r) Tj ET Q q 0 0 0 rg BT 328.34 498.80 Td (ecor) Tj ET Q q 0 0 0 rg BT 344.87 498.80 Td (d year) Tj ET Q q 0 0 0 rg BT 367.83 498.80 Td (, r) Tj ET Q q 0 0 0 rg BT 375.92 498.80 Td (eflecting our intense client focus and solid ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 489.30 Td (performance acr) Tj ET Q q 0 0 0 rg BT 388.23 489.30 Td (oss our businesses. In the Consumer business, ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 479.80 Td (we had double digit gr) Tj ET Q q 0 0 0 rg BT 410.67 479.80 Td (owth in deposits and cor) Tj ET Q q 0 0 0 rg BT 503.74 479.80 Td (e loan balances, ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 470.30 Td (our cr) Tj ET Q q 0 0 0 rg BT 348.13 470.30 Td (edit car) Tj ET Q q 0 0 0 rg BT 377.07 470.30 Td (d sales volume was a r) Tj ET Q q 0 0 0 rg BT 463.00 470.30 Td (ecor) Tj ET Q q 0 0 0 rg BT 479.53 470.30 Td (d, and for the year we ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 460.80 Td (had over $1 trillion of mer) Tj ET Q q 0 0 0 rg BT 425.71 460.80 Td (chant pr) Tj ET Q q 0 0 0 rg BT 457.29 460.80 Td (ocessing volume. W) Tj ET Q q 0 0 0 rg BT 531.61 460.80 Td (e saw ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 451.30 Td (continued momentum fr) Tj ET Q q 0 0 0 rg BT 414.89 451.30 Td (om the thir) Tj ET Q q 0 0 0 rg BT 456.23 451.30 Td (d quarter in CIB with str) Tj ET Q q 0 0 0 rg BT 550.09 451.30 Td (ong ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 441.80 Td (Markets r) Tj ET Q q 0 0 0 rg BT 361.85 441.80 Td (esults acr) Tj ET Q q 0 0 0 rg BT 398.18 441.80 Td (oss pr) Tj ET Q q 0 0 0 rg BT 420.79 441.80 Td (oducts. ) Tj ET Q q 0 0 0 rg BT 450.17 441.80 Td (Asset Management and ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 432.30 Td (Commer) Tj ET Q q 0 0 0 rg BT 357.37 432.30 Td (cial Banking both gr) Tj ET Q q 0 0 0 rg BT 435.38 432.30 Td (ew loans and deposits nicely in a ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 422.80 Td (competitive envir) Tj ET Q q 0 0 0 rg BT 390.33 422.80 Td (onment.? Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 325.00 403.81 Td (Dimon added: ? 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Looking ahead ther) Tj ET Q q 0 0 0 rg BT 445.50 308.80 Td (e is opportunity for good, ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 299.30 Td (rational and thoughtful policy decisions to be implemented, ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 289.80 Td (which would spur gr) Tj ET Q q 0 0 0 rg BT 403.03 289.80 Td (owth, cr) Tj ET Q q 0 0 0 rg BT 433.82 289.80 Td (eate jobs for ) Tj ET Q q 0 0 0 rg BT 483.52 289.80 Td (Americans acr) Tj ET Q q 0 0 0 rg BT 538.84 289.80 Td (oss the ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 280.30 Td (income spectrum and help communities, and we ar) Tj ET Q q 0 0 0 rg BT 517.79 280.30 Td (e well-) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 270.80 Td (positioned to play our part. Business plays a critical positive ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 261.30 Td (r) Tj ET Q q 0 0 0 rg BT 328.34 261.30 Td (ole in society) Tj ET Q q 0 0 0 rg BT 377.94 261.30 Td (, and in collaboration with nonpr) Tj ET Q q 0 0 0 rg BT 504.27 261.30 Td (ofits, ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 251.80 Td (governments and educational institutions, it can help str) Tj ET Q q 0 0 0 rg BT 538.91 251.80 Td (engthen ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 242.30 Td (our economy and our country) Tj ET Q q 0 0 0 rg BT 437.40 242.30 Td (. I am extr) Tj ET Q q 0 0 0 rg BT 476.09 242.30 Td (emely pr) Tj ET Q q 0 0 0 rg BT 508.71 242.30 Td (oud of our Firm ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 232.80 Td (- we earn our stripes every day by doing a gr) Tj ET Q q 0 0 0 rg BT 496.15 232.80 Td (eat job for clients ) Tj ET Q BT /F5 9.50 Tf ET q 0 0 0 rg BT 325.00 223.30 Td (and communities.? Tj ET Q BT /F1 10.00 Tf ET 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 215.89999999999998 m 17.5 210.89999999999998 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 215.89999999999998 m 593.5 210.89999999999998 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 215.89999999999998 m 593.5 215.89999999999998 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 210.89999999999998 m 593.5 210.89999999999998 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 199.60 Td (SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 77.85 199.60 Td ( ITEMS) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 184.95 cm /I12 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 186.80 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 186.80 Td (4Q16 results included tax benefit of $475 million) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 172.35 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 172.35 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 157.70 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 159.55 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 159.55 Td (Book value per share of $64.06, up 6%; ) Tj ET Q q 0 0 0 rg BT 175.31 159.55 Td (T) Tj ET Q q 0 0 0 rg BT 180.17 159.55 Td (angible book value per share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 283.63 163.63 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.56 159.55 Td ( of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 148.75 Td ($51.44, up 7%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 134.10 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 135.95 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 135.95 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 135.95 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 135.95 Td (ier 1 capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 169.47 140.03 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.86 135.95 Td (of $182 billion; ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 248.60 140.03 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.53 135.95 Td ( of 12.2% ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 121.30 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 123.15 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 123.15 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 127.23 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 123.15 Td ( of 6.5% and Bank SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 155.18 127.23 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 158.10 123.15 Td ( of 6.6%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 109.50 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 111.35 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 111.35 Td (HQLA) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 55.00 115.43 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.92 111.35 Td ( of $524 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 96.95 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 96.95 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 82.30 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 84.15 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 84.15 Td (4Q16 reported expense of $13.8 billion; reported overhead ratio of 59%; ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 73.35 Td (4Q16 adjusted expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 113.48 77.43 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 116.40 73.35 Td ( of $13.6 billion; adjusted overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 263.12 77.43 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.51 73.35 Td (of 56%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 197.60 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 333.33 197.60 Td (AL) Tj ET Q q 0 0 0 rg BT 345.34 197.60 Td ( RETURN) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 182.95 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 184.80 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 184.80 Td ($3.8 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 359.50 188.88 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.43 184.80 Td ( returned to shareholders in 4Q16) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 171.15 cm /I19 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 173.00 Td ( ) Tj ET Q q 0 0 0 rg BT 328.50 173.00 Td ($2.1 billion of net repurchases) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 437.72 177.08 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.18 173.00 Td (and common dividend of $0.48 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 158.55 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 158.55 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 143.90 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 145.75 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 145.75 Td ($2.4 trillion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 145.75 Td ( of credit and capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 436.46 149.83 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.39 145.75 Td ( raised in 2016) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 132.10 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 133.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 133.95 Td ($265 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 133.95 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 120.30 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 122.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 122.15 Td ($24 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 122.15 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 108.50 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 110.35 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 110.35 Td ($772 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 110.35 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 96.70 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 98.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 98.55 Td ($1.2 trillion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 98.55 Td ( of capital raised for corporate clients and non-U.S. ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 87.75 Td (government entities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 74.10 cm /I25 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 75.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 75.95 Td ($90 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 75.95 Td ( of credit and capital raised for nonprofit and U.S. government ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 65.15 Td (entities, including states, municipalities, hospitals and universities) Tj ET Q /GS0 gs q 272.00 0 0 20.00 322.00 756.52 cm /I26 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (In the discussion below of r) Tj ET Q q 0 0 0 rg BT 159.40 742.10 Td (esults of JPMor) Tj ET Q q 0 0 0 rg BT 222.36 742.10 Td (gan Chase as a Firm and of its business segments, information is pr) Tj ET Q q 0 0 0 rg BT 493.94 742.10 Td (esented on a ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (managed basis. For mor) Tj ET Q q 0 0 0 rg BT 147.46 730.10 Td (e information about managed basis, as well as other non-GAAP) Tj ET Q q 0 0 0 rg BT 403.38 730.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 473.01 730.10 Td (es and key ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (performance measur) Tj ET Q q 0 0 0 rg BT 132.17 718.10 Td (es used by management to evaluate the performance of each line of business, see page 5. Comparisons ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (noted in the sections below ar) Tj ET Q q 0 0 0 rg BT 168.84 706.10 Td (e calculated for the fourth quarter of 2016 versus the prior) Tj ET Q q 0 0 0 rg BT 404.17 706.10 Td (-year fourth quarter) Tj ET Q q 0 0 0 rg BT 483.61 706.10 Td (, unless otherwise ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (specified. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 683.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 675.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 668.50 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 652.10 Td (Net revenue on a reported basis totaled $23.4 billion, $24.7 billion, and $22.9 billion for the fourth quarter of 2016, third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 640.10 Td (quarter of 2016, and fourth quarter of 2015, respectively) Tj ET Q q 0 0 0 rg BT 274.33 640.10 Td (.) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 629.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 629.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 629.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 629.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 629.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 613.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 613.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 613.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 613.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 613.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 549.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 549.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 549.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 549.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 549.60 45.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 613.6 m 423 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 613.6 m 468 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 613.6 m 472 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 613.6 m 517 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 613.6 m 562 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 597.6 m 213 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 613.6 m 264 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 597.6 m 264 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 613.6 m 268 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 597.6 m 268 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 613.6 m 319 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 597.6 m 319 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 613.6 m 323 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 597.6 m 323 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 613.6 m 374 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 597.6 m 374 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 613.6 m 378 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 597.6 m 378 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 613.6 m 423 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 597.6 m 423 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 597.6 m 468 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 597.6 m 472 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 597.6 m 517 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 597.6 m 562 597.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 549.6 m 213 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 533.6 m 213 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 549.6 m 264 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 533.6 m 264 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 549.6 m 268 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 533.6 m 268 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 549.6 m 319 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 533.6 m 319 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 549.6 m 323 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 533.6 m 323 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 549.6 m 374 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 533.6 m 374 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 549.6 m 378 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 533.6 m 378 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 549.6 m 423 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 533.6 m 423 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 549.6 m 468 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 533.6 m 468 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 549.6 m 472 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 533.6 m 472 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 549.6 m 517 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 533.6 m 517 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 549.6 m 562 549.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 533.6 m 562 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 517.6 m 213 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 517.6 m 264 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 517.6 m 268 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 533.6 m 319 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 517.6 m 319 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 533.6 m 323 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 517.6 m 323 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 533.6 m 374 533.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 517.6 m 374 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 517.6 m 378 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 517.6 m 423 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 533.6 m 468 533.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 517.6 m 468 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 517.6 m 472 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 517.6 m 517 517.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 533.6 m 562 533.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 517.6 m 562 517.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 501.6 m 213 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 501.6 m 264 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 517.6 m 268 517.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 501.6 m 268 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 501.6 m 319 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 517.6 m 323 517.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 501.6 m 323 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 501.6 m 374 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 501.6 m 378 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 501.6 m 423 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 501.6 m 468 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 501.6 m 472 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 501.6 m 517 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 501.6 m 562 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 485.6 m 213 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 485.6 m 264 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 485.6 m 268 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 501.6 m 319 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 485.6 m 319 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 485.6 m 323 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 501.6 m 374 501.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 485.6 m 374 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 485.6 m 378 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 485.6 m 423 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 485.6 m 468 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 485.6 m 472 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 485.6 m 517 485.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 485.6 m 562 485.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 618.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 618.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 618.27 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 602.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 602.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 602.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 602.27 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 602.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 602.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 602.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 602.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.17 Td (Net revenue - managed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 586.27 Td (24,333) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 586.27 Td (25,512) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 586.27 Td (23,747) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 586.32 Td (\(1,179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 586.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 586.27 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 586.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 586.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 586.27 Td (586) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 586.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 586.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 572.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 570.27 Td (13,833) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 570.27 Td (14,463) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 570.27 Td (14,263) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 570.32 Td (\(630) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 570.27 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 570.32 Td (\(430) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 570.32 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 556.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.15 554.27 Td (864) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 554.27 Td (1,271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 554.27 Td (1,251) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 554.32 Td (\(407) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 554.27 Td (\(32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 554.32 Td (\(387) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 554.32 Td (\(31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 554.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 540.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 538.27 Td (6,727) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 538.27 Td (6,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 538.27 Td (5,434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 538.27 Td (441) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 538.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 538.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 538.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 538.27 Td (1,293) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 538.27 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 538.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 524.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 522.27 Td (1.71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 522.27 Td (1.58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 522.27 Td (1.32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 522.27 Td (0.13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 522.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 522.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 522.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 522.27 Td (0.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 522.27 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 522.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 508.17 Td (Return on common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 506.27 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 506.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 506.27 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 506.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 492.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 490.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 490.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 490.27 Td (11) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 468.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.10 Td (Net income was $6.7 billion, an increase of 24%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.10 Td (Net revenue was $24.3 billion, up 2%. Net interest income was $12.1 billion, up 5%, primarily driven by loan growth and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 420.10 Td (net impact of higher rates, partially of) Tj ET Q q 0 0 0 rg BT 200.65 420.10 Td (fset by lower investment securities balances. Noninterest revenue was $12.3 billion, flat ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 408.10 Td (compared with the prior) Tj ET Q q 0 0 0 rg BT 145.66 408.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 196.46 408.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.10 Td (Noninterest expense was $13.8 billion, down 3%, primarily driven by lower legal expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 372.10 Td (The provision for credit losses was $864 million, down from $1.3 billion, due to net reserve releases in the current quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 360.10 Td (approximately $400 million across Consumer and ) Tj ET Q q 0 0 0 rg BT 251.51 360.10 Td (Wholesale, versus reserve increases in the prior) Tj ET Q q 0 0 0 rg BT 441.51 360.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 492.31 360.10 Td (. ) Tj ET Q q 0 0 0 rg BT 497.13 360.10 Td (The reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.10 Td (releases reflected a decrease in Consumer reserves of approximately $250 million primarily driven by releases in Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.10 Td (Banking, partially of) Tj ET Q q 0 0 0 rg BT 132.36 336.10 Td (fset by increases in Card and Consumer & Business Banking. ) Tj ET Q q 0 0 0 rg BT 380.75 336.10 Td (The ) Tj ET Q q 0 0 0 rg BT 398.62 336.10 Td (Wholesale provision was a benefit, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 324.10 Td (primarily driven by releases in the Oil & Gas and Metals & Mining portfolios.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.10 Td (Fourth-quarter results included a tax benefit of $475 million related to the utilization of certain deferred tax assets.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 286.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 278.95 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 271.50 Td (CONSUMER & COMMUNITY BANKING \(CCB\)) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 256.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 256.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 256.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 256.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 256.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 256.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 256.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 256.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 256.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 256.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 241.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 241.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 241.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 241.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 241.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 241.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 241.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 241.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 422.50 241.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 241.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 241.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 516.50 241.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 49.50 136.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 230.50 136.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 275.50 136.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 279.50 136.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 324.50 136.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 328.50 136.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 373.50 136.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 377.50 136.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 422.50 136.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 467.50 136.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 471.50 136.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 516.50 136.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 241.60000000000002 m 422.5 241.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 241.60000000000002 m 467.5 241.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 241.60000000000002 m 471.5 241.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 241.60000000000002 m 516.5 241.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 241.60000000000002 m 561.5 241.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 226.60000000000002 m 230.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 226.60000000000002 m 275.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 226.60000000000002 m 279.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 226.60000000000002 m 324.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 226.60000000000002 m 328.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 226.60000000000002 m 373.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 226.60000000000002 m 377.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 226.60000000000002 m 422.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 226.60000000000002 m 467.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 226.60000000000002 m 471.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 226.60000000000002 m 516.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 226.60000000000002 m 275.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 226.60000000000002 m 467.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 226.60000000000002 m 471.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 226.60000000000002 m 516.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 226.60000000000002 m 561.5 226.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 136.60000000000002 m 230.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 121.60000000000002 m 230.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 136.60000000000002 m 275.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 121.60000000000002 m 275.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 136.60000000000002 m 279.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 121.60000000000002 m 279.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 136.60000000000002 m 324.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 121.60000000000002 m 324.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 136.60000000000002 m 328.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 121.60000000000002 m 328.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 136.60000000000002 m 373.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 121.60000000000002 m 373.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 136.60000000000002 m 377.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 121.60000000000002 m 377.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 136.60000000000002 m 422.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 121.60000000000002 m 422.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 136.60000000000002 m 467.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 121.60000000000002 m 467.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 136.60000000000002 m 471.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 121.60000000000002 m 471.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 136.60000000000002 m 516.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 121.60000000000002 m 516.5 121.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 136.60000000000002 m 561.5 136.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 121.60000000000002 m 561.5 121.60000000000002 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 246.27 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.85 246.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.85 246.27 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 231.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.35 231.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.35 231.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.35 231.27 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 231.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.10 231.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 231.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 231.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 217.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 216.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 216.27 Td (11,019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 216.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.10 216.27 Td (11,328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 216.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.10 216.27 Td (11,222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 216.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 216.32 Td (\(309) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 216.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 216.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 216.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 216.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 216.32 Td (\(203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 216.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.95 216.27 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 216.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 202.17 Td (Consumer & Business Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 201.27 Td (4,774) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 201.27 Td (4,719) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 201.27 Td (4,587) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 201.27 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 201.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 201.27 Td (187) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 201.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 187.17 Td (Mortgage Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 186.27 Td (1,690) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 186.27 Td (1,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 186.27 Td (1,680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 186.32 Td (\(184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 186.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.95 186.27 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 186.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.65 186.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 186.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 172.17 Td (Card, Commerce Solutions & Auto) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 171.27 Td (4,555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 171.27 Td (4,735) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 171.27 Td (4,955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 171.32 Td (\(180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 171.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 171.27 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 171.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 171.32 Td (\(400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 171.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.95 171.27 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 171.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 157.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 156.27 Td (6,303) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 156.27 Td (6,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 156.27 Td (6,272) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 156.32 Td (\(207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 156.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 156.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 156.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.65 156.27 Td (31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.30 156.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 142.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 141.27 Td (949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 141.27 Td (1,294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 141.27 Td (1,038) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 141.32 Td (\(345) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 141.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.95 141.27 Td (\(27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 141.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.30 141.32 Td (\(89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 141.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.95 141.27 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 141.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 127.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 126.27 Td (2,364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 126.27 Td (2,204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 126.27 Td (2,407) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 126.27 Td (160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 126.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 126.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.30 126.32 Td (\(43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 126.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.95 126.27 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 126.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 104.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 104.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 104.10 Td (Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 85.60 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 85.60 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 85.60 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 85.60 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 136.42 85.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 85.60 Td (a ) Tj ET Q q 0 0 0 rg BT 174.48 85.60 Td (decrease ) Tj ET Q q 0 0 0 rg BT 211.39 85.60 Td (of ) Tj ET Q q 0 0 0 rg BT 222.22 85.60 Td (2%. ) Tj ET Q q 0 0 0 rg BT 240.55 85.60 Td (Net ) Tj ET Q q 0 0 0 rg BT 257.49 85.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 291.63 85.60 Td (was ) Tj ET Q q 0 0 0 rg BT 309.69 85.60 Td ($1) Tj ET Q q 0 0 0 rg BT 319.31 85.60 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 334.31 85.60 Td (billion, ) Tj ET Q q 0 0 0 rg BT 365.43 85.60 Td (down ) Tj ET Q q 0 0 0 rg BT 390.15 85.60 Td (2% ) Tj ET Q q 0 0 0 rg BT 405.98 85.60 Td (from ) Tj ET Q q 0 0 0 rg BT 427.92 85.60 Td (the ) Tj ET Q q 0 0 0 rg BT 442.63 85.60 Td (prior) Tj ET Q q 0 0 0 rg BT 461.87 85.60 Td (-year ) Tj ET Q q 0 0 0 rg BT 484.91 85.60 Td (quarter) Tj ET Q q 0 0 0 rg BT 512.67 85.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 67.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 92.79 67.10 Td (& ) Tj ET Q q 0 0 0 rg BT 102.75 67.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 140.50 67.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 176.57 67.10 Td (net ) Tj ET Q q 0 0 0 rg BT 190.96 67.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 224.79 67.10 Td (was ) Tj ET Q q 0 0 0 rg BT 242.53 67.10 Td ($4.8 ) Tj ET Q q 0 0 0 rg BT 262.21 67.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 293.01 67.10 Td (up ) Tj ET Q q 0 0 0 rg BT 305.19 67.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 323.20 67.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 363.69 67.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 390.88 67.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 421.95 67.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 454.96 67.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 490.46 67.10 Td (of) Tj ET Q q 0 0 0 rg BT 498.61 67.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 515.23 67.10 Td (by ) Tj ET Q q 0 0 0 rg BT 527.42 67.10 Td (spread ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 55.10 Td (compression. ) Tj ET Q q 0 0 0 rg BT 104.19 55.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 144.71 55.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 180.24 55.10 Td (net ) Tj ET Q q 0 0 0 rg BT 194.11 55.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 227.40 55.10 Td (was ) Tj ET Q q 0 0 0 rg BT 244.59 55.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 263.74 55.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 293.99 55.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 333.40 55.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 348.37 55.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 389.44 55.10 Td (to ) Tj ET Q q 0 0 0 rg BT 398.86 55.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.72 55.10 Td (prior) Tj ET Q q 0 0 0 rg BT 431.96 55.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 454.14 55.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 481.90 55.10 Td (. ) Tj ET Q q 0 0 0 rg BT 486.05 55.10 Td (Card, ) Tj ET Q q 0 0 0 rg BT 509.63 55.10 Td (Commerce ) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 740.10 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 89.31 740.10 Td (& ) Tj ET Q q 0 0 0 rg BT 98.67 740.10 Td (Auto ) Tj ET Q q 0 0 0 rg BT 120.69 740.10 Td (net ) Tj ET Q q 0 0 0 rg BT 134.93 740.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 168.60 740.10 Td (was ) Tj ET Q q 0 0 0 rg BT 186.18 740.10 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 205.70 740.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 236.34 740.10 Td (down ) Tj ET Q q 0 0 0 rg BT 260.58 740.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 278.44 740.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 306.01 740.10 Td (by ) Tj ET Q q 0 0 0 rg BT 318.03 740.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 339.50 740.10 Td (new ) Tj ET Q q 0 0 0 rg BT 358.18 740.10 Td (account ) Tj ET Q q 0 0 0 rg BT 391.30 740.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 437.20 740.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 461.73 740.10 Td (lar) Tj ET Q q 0 0 0 rg BT 472.09 740.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 491.33 740.10 Td (of) Tj ET Q q 0 0 0 rg BT 499.48 740.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 515.95 740.10 Td (by ) Tj ET Q q 0 0 0 rg BT 527.97 740.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 68.75 728.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 105.21 728.10 Td (and ) Tj ET Q q 0 0 0 rg BT 121.69 728.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 149.27 728.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 168.52 728.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 190.54 728.10 Td (volumes. ) Tj ET Q q 0 0 0 rg BT 228.82 728.10 Td (The ) Tj ET Q q 0 0 0 rg BT 246.40 728.10 Td (prior) Tj ET Q q 0 0 0 rg BT 265.64 728.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 288.22 728.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 318.57 728.10 Td (included ) Tj ET Q q 0 0 0 rg BT 355.04 728.10 Td (a ) Tj ET Q q 0 0 0 rg BT 361.51 728.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 380.76 728.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.13 728.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 450.93 728.10 Td ($160 ) Tj ET Q q 0 0 0 rg BT 472.96 728.10 Td (million ) Tj ET Q q 0 0 0 rg BT 503.89 728.10 Td (on ) Tj ET Q q 0 0 0 rg BT 515.93 728.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.18 728.10 Td (initial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 716.10 Td (public ) Tj ET Q q 0 0 0 rg BT 77.00 716.10 Td (of) Tj ET Q q 0 0 0 rg BT 85.14 716.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 111.52 716.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.35 716.10 Td (Square.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.53 698.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 135.12 698.10 Td (was ) Tj ET Q q 0 0 0 rg BT 154.05 698.10 Td ($6.3 ) Tj ET Q q 0 0 0 rg BT 174.93 698.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 206.92 698.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 223.62 698.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 266.42 698.10 Td (with ) Tj ET Q q 0 0 0 rg BT 287.58 698.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.17 698.10 Td (prior) Tj ET Q q 0 0 0 rg BT 322.41 698.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 346.33 698.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 374.24 698.10 Td (, ) Tj ET Q q 0 0 0 rg BT 380.12 698.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 421.81 698.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 453.52 698.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.67 698.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.27 698.10 Td (business ) Tj ET Q q 0 0 0 rg BT 517.54 698.10 Td (of) Tj ET Q q 0 0 0 rg BT 525.69 698.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 543.50 698.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 686.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 91.43 686.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 126.14 686.10 Td (ef) Tj ET Q q 0 0 0 rg BT 133.73 686.10 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 174.54 686.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.48 686.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 216.75 686.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 238.68 686.10 Td (expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 668.10 Td (The provision for credit losses was $949 million, a decrease of $89 million, driven by a net reserve release, lar) Tj ET Q q 0 0 0 rg BT 490.85 668.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 518.71 668.10 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 656.10 Td (higher Card net char) Tj ET Q q 0 0 0 rg BT 131.23 656.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 152.15 656.10 Td (fs. ) Tj ET Q q 0 0 0 rg BT 164.19 656.10 Td (The current quarter included a release of $425 million in Mortgage Banking, driven by $275 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.10 Td (million and $150 million in the purchased credit-impaired and non-credit-impaired portfolios, respectively) Tj ET Q q 0 0 0 rg BT 474.84 644.10 Td (, reflecting lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 632.10 Td (delinquencies and improvements in housing prices, as well as a release of $25 million in the Student loan portfolio. ) Tj ET Q q 0 0 0 rg BT 512.83 632.10 Td (The reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 620.10 Td (releases were partially of) Tj ET Q q 0 0 0 rg BT 149.54 620.10 Td (fset by a build of $200 million, including $150 million in Card and $50 million in Business Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 608.10 Td (driven by loan growth.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 585.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 577.95 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 570.50 Td (CORPORATE & INVESTMENT BANK \(CIB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 555.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 555.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 555.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 555.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 555.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 555.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 555.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 555.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 555.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 555.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 540.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 540.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 540.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 540.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 540.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 540.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 540.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 540.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 540.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 540.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 540.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 540.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 450.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 450.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 450.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 450.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 450.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 450.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 450.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 450.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 450.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 450.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 450.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 450.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 540.6 m 423 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 540.6 m 468 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 540.6 m 472 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 540.6 m 517 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 540.6 m 562 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 525.6 m 231 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 525.6 m 276 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 525.6 m 280 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 525.6 m 325 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 525.6 m 329 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 525.6 m 374 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 525.6 m 378 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 525.6 m 423 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 525.6 m 468 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 525.6 m 472 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 525.6 m 517 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 525.6 m 562 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 525.6 m 276 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 525.6 m 280 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 525.6 m 325 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 525.6 m 329 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 525.6 m 374 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 525.6 m 378 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 525.6 m 423 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 525.6 m 468 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 525.6 m 472 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 525.6 m 517 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 525.6 m 562 525.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 450.6 m 231 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 435.6 m 231 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 450.6 m 276 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 435.6 m 276 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 450.6 m 280 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 435.6 m 280 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 450.6 m 325 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 435.6 m 325 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 450.6 m 329 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 435.6 m 329 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 450.6 m 374 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 435.6 m 374 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 450.6 m 378 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 435.6 m 378 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 450.6 m 423 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 435.6 m 423 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 450.6 m 468 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 435.6 m 468 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 450.6 m 472 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 435.6 m 472 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 450.6 m 517 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 435.6 m 517 435.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 450.6 m 562 450.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 435.6 m 562 435.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 545.27 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 545.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 545.27 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 530.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 530.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 530.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 530.27 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 530.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 530.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 530.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 530.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 516.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 515.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 515.27 Td (8,461) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 515.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 515.27 Td (9,455) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 515.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 515.27 Td (7,069) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 515.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 515.32 Td (\(994) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 515.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 515.27 Td (\(11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 515.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 515.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 515.27 Td (1,392) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 515.27 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 515.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 501.17 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 500.27 Td (2,783) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 500.27 Td (2,940) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 500.27 Td (2,761) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 500.32 Td (\(157) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 500.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 500.27 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 500.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 500.27 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 500.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 486.17 Td (Markets & Investor Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 485.27 Td (5,678) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 485.27 Td (6,515) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 485.27 Td (4,308) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 485.32 Td (\(837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 485.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 485.27 Td (\(13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 485.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 485.27 Td (1,370) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 485.27 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 471.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 470.27 Td (4,172) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 470.27 Td (4,934) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 470.27 Td (4,436) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 470.32 Td (\(762) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 470.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 470.27 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 470.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 470.32 Td (\(264) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 470.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 470.32 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 470.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 456.17 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 455.27 Td (\(198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 455.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 455.27 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 455.27 Td (81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 455.32 Td (\(265) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 455.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 455.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 455.32 Td (\(279) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 455.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 455.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 441.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 440.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 440.27 Td (3,431) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 440.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 440.27 Td (2,912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 440.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 440.27 Td (1,748) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 440.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 440.27 Td (519) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 440.27 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 440.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 440.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 440.27 Td (1,683) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 440.27 Td (96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 440.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 400.10 Td (Net income was $3.4 billion, up $1.7 billion, reflecting higher net revenue, lower noninterest expense, lower provision for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 388.10 Td (credit losses and a tax benefit related to the utilization of certain deferred tax assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (Banking revenuewas $2.8 billion, up 1%. Investment Banking revenue was $1.5 billion, up 1%, reflecting higher debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (underwriting fees, lar) Tj ET Q q 0 0 0 rg BT 135.12 358.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 162.99 358.10 Td (fset by lower advisory and equity underwriting fees. ) Tj ET Q q 0 0 0 rg BT 374.14 358.10 Td (The business continued to rank #1 in Global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (Investment Banking fees. ) Tj ET Q q 0 0 0 rg BT 153.74 346.10 Td (T) Tj ET Q q 0 0 0 rg BT 159.50 346.10 Td (reasury Services revenue was $950 million, up 5%, driven by higher interest rates and balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (growth as well as higher fees on increased payment volumes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 316.10 Td (Markets & Investor Servicesrevenue was $5.7 billion, up 32%, lar) Tj ET Q q 0 0 0 rg BT 316.20 316.10 Td (gely driven by higher Markets revenue, up 24%. Fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 304.10 Td (Income Markets revenue was up 31% reflecting broad-based strength across products. Credit and Securitized Products revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 292.10 Td (reflected increased client risk appetite. Commodities revenue improved on increased client activity in a better ener) Tj ET Q q 0 0 0 rg BT 506.91 292.10 Td (gy market. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 280.10 Td (Equity Markets revenue was up 8%, reflecting strong performance in derivatives. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 76.44 262.10 Td (Adjustments & Other was a gain of $272 million, up $535 million, lar) Tj ET Q q 0 0 0 rg BT 356.23 262.10 Td (gely driven by funding spread losses on fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (option elected liabilities in the prior) Tj ET Q q 0 0 0 rg BT 192.32 250.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 243.12 250.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 232.10 Td (Noninterest expense was $4.2 billion, down 6%, driven by lower compensation and lower legal expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (The provision for credit losses was a benefit of $198 million, compared to an expense of $81 million in the prior) Tj ET Q q 0 0 0 rg BT 498.92 214.10 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 549.87 214.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (primarily driven by reserve releases in the Oil & Gas and Metals & Mining portfolios.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 170.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 52.50 155.50 Td (COMMERCIAL BANKING \(CB\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 140.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 140.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 140.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 140.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 140.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 140.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 140.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 140.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 140.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 140.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 125.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 125.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 125.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 125.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 125.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 125.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 125.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 125.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 125.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 125.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 125.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 125.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 65.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 65.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 65.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 65.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 65.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 65.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 65.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 65.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 65.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 65.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 65.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 65.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 125.60000000000002 m 423 125.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 125.60000000000002 m 468 125.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 125.60000000000002 m 472 125.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 125.60000000000002 m 517 125.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 125.60000000000002 m 562 125.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 110.60000000000002 m 231 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 110.60000000000002 m 276 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 110.60000000000002 m 280 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 110.60000000000002 m 325 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 110.60000000000002 m 329 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 110.60000000000002 m 374 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 110.60000000000002 m 378 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 110.60000000000002 m 423 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 110.60000000000002 m 468 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 110.60000000000002 m 472 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 110.60000000000002 m 517 110.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 110.60000000000002 m 562 110.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 65.60000000000002 m 231 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 50.60000000000002 m 231 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 65.60000000000002 m 276 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 50.60000000000002 m 276 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 65.60000000000002 m 280 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 50.60000000000002 m 280 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 65.60000000000002 m 325 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 50.60000000000002 m 325 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 65.60000000000002 m 329 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 50.60000000000002 m 329 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 65.60000000000002 m 374 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 50.60000000000002 m 374 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 65.60000000000002 m 378 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 50.60000000000002 m 378 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 65.60000000000002 m 423 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 50.60000000000002 m 423 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 65.60000000000002 m 468 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 50.60000000000002 m 468 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 65.60000000000002 m 472 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 50.60000000000002 m 472 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 65.60000000000002 m 517 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 50.60000000000002 m 517 50.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 65.60000000000002 m 562 65.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 50.60000000000002 m 562 50.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 130.27 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 130.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 130.27 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 115.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 115.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 115.27 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 115.27 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 115.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 115.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 115.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 115.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 101.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 100.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 100.27 Td (1,963) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 100.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 100.27 Td (1,870) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 100.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 100.27 Td (1,760) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 100.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 100.27 Td (93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 100.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 100.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 100.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 100.27 Td (203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 100.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 100.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 86.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 85.27 Td (744) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 85.27 Td (746) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 85.27 Td (750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 85.32 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 85.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 85.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.80 85.32 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 85.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 85.32 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 85.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 71.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 70.27 Td (124) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 70.32 Td (\(121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 70.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 70.27 Td (117) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 70.27 Td (245) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 70.27 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 70.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 70.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 56.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 55.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 55.27 Td (687) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 55.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 55.27 Td (778) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 55.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 55.27 Td (550) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 55.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 55.32 Td (\(91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 55.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 55.27 Td (\(12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 55.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 55.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 55.27 Td (137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 55.27 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 55.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (4) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 740.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 740.25 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 722.25 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 722.25 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 722.25 Td ($687 ) Tj ET Q q 0 0 0 rg BT 138.92 722.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 722.25 Td (an ) Tj ET Q q 0 0 0 rg BT 184.75 722.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.01 722.25 Td (of ) Tj ET Q q 0 0 0 rg BT 230.84 722.25 Td (25%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 704.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.73 704.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.17 704.25 Td (was ) Tj ET Q q 0 0 0 rg BT 119.52 704.25 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 139.81 704.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.22 704.25 Td (up ) Tj ET Q q 0 0 0 rg BT 184.02 704.25 Td (12%, ) Tj ET Q q 0 0 0 rg BT 207.64 704.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 235.98 704.25 Td (by ) Tj ET Q q 0 0 0 rg BT 248.78 704.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 277.12 704.25 Td (net ) Tj ET Q q 0 0 0 rg BT 292.13 704.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 324.36 704.25 Td (income ) Tj ET Q q 0 0 0 rg BT 356.58 704.25 Td (due ) Tj ET Q q 0 0 0 rg BT 373.82 704.25 Td (to ) Tj ET Q q 0 0 0 rg BT 384.39 704.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 412.73 704.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 444.41 704.25 Td (spreads ) Tj ET Q q 0 0 0 rg BT 477.20 704.25 Td (and ) Tj ET Q q 0 0 0 rg BT 494.43 704.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 514.44 704.25 Td (growth, ) Tj ET Q q 0 0 0 rg BT 548.07 704.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.55 692.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 123.93 692.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 158.65 692.25 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.60 674.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.24 674.25 Td (was ) Tj ET Q q 0 0 0 rg BT 151.24 674.25 Td ($744 ) Tj ET Q q 0 0 0 rg BT 173.68 674.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 207.51 674.25 Td (down ) Tj ET Q q 0 0 0 rg BT 232.17 674.25 Td (1%. ) Tj ET Q q 0 0 0 rg BT 250.44 674.25 Td ( ) Tj ET Q q 0 0 0 rg BT 252.70 674.25 Td (The ) Tj ET Q q 0 0 0 rg BT 270.69 674.25 Td (current ) Tj ET Q q 0 0 0 rg BT 301.45 674.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 332.20 674.25 Td (reflected ) Tj ET Q q 0 0 0 rg BT 369.61 674.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 397.60 674.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 432.25 674.25 Td (from ) Tj ET Q q 0 0 0 rg BT 454.13 674.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 494.32 674.25 Td (hiring ) Tj ET Q q 0 0 0 rg BT 520.65 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 531.42 674.25 Td (bankers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.14 662.25 Td (business-related ) Tj ET Q q 0 0 0 rg BT 132.76 662.25 Td (support ) Tj ET Q q 0 0 0 rg BT 164.96 662.25 Td (staf) Tj ET Q q 0 0 0 rg BT 179.22 662.25 Td (f ) Tj ET Q q 0 0 0 rg BT 184.75 662.25 Td (and ) Tj ET Q q 0 0 0 rg BT 201.39 662.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 251.36 662.25 Td (in ) Tj ET Q q 0 0 0 rg BT 261.34 662.25 Td (technology) Tj ET Q q 0 0 0 rg BT 305.12 662.25 Td (. ) Tj ET Q q 0 0 0 rg BT 309.66 662.25 Td (The ) Tj ET Q q 0 0 0 rg BT 327.41 662.25 Td (prior) Tj ET Q q 0 0 0 rg BT 346.65 662.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 369.38 662.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 399.90 662.25 Td (reflected ) Tj ET Q q 0 0 0 rg BT 437.07 662.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 485.37 662.25 Td (on ) Tj ET Q q 0 0 0 rg BT 497.57 662.25 Td (leased ) Tj ET Q q 0 0 0 rg BT 524.75 662.25 Td (corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 650.25 Td (aircraft. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 632.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.07 632.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 106.87 632.25 Td (for ) Tj ET Q q 0 0 0 rg BT 120.55 632.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.33 632.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.24 632.25 Td (was ) Tj ET Q q 0 0 0 rg BT 188.82 632.25 Td ($124 ) Tj ET Q q 0 0 0 rg BT 210.84 632.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 244.25 632.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 285.69 632.25 Td (to ) Tj ET Q q 0 0 0 rg BT 295.49 632.25 Td ($1) Tj ET Q q 0 0 0 rg BT 305.12 632.25 Td (17 ) Tj ET Q q 0 0 0 rg BT 317.14 632.25 Td (million ) Tj ET Q q 0 0 0 rg BT 348.05 632.25 Td (in ) Tj ET Q q 0 0 0 rg BT 357.85 632.25 Td (the ) Tj ET Q q 0 0 0 rg BT 372.09 632.25 Td (prior) Tj ET Q q 0 0 0 rg BT 391.33 632.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 413.88 632.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 441.80 632.25 Td (, ) Tj ET Q q 0 0 0 rg BT 446.32 632.25 Td (lar) Tj ET Q q 0 0 0 rg BT 456.69 632.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 475.92 632.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 503.49 632.25 Td (by ) Tj ET Q q 0 0 0 rg BT 515.51 632.25 Td (select ) Tj ET Q q 0 0 0 rg BT 540.30 632.25 Td (client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 620.25 Td (downgrades.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 600.75 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 593.10 148.71 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 585.65 Td (ASSET MANAGEMENT \(AM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 570.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 570.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 570.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 570.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 570.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 570.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 570.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 570.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 570.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 570.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 555.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 555.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 555.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 555.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 555.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 555.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 555.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 495.75 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 495.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 495.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 495.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 495.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 495.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 495.75 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 555.75 m 423 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 555.75 m 468 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 555.75 m 472 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 555.75 m 517 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 555.75 m 562 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 540.75 m 231 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 540.75 m 276 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 540.75 m 280 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 540.75 m 325 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 540.75 m 329 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 540.75 m 374 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 540.75 m 378 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 540.75 m 423 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 540.75 m 468 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 540.75 m 472 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 540.75 m 517 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 540.75 m 562 540.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 495.75 m 231 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 480.75 m 231 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 495.75 m 276 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 480.75 m 276 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 495.75 m 280 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 480.75 m 280 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 495.75 m 325 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 480.75 m 325 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 495.75 m 329 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 480.75 m 329 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 495.75 m 374 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 480.75 m 374 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 495.75 m 378 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 480.75 m 378 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 495.75 m 423 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 480.75 m 423 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 495.75 m 468 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 480.75 m 468 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 495.75 m 472 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 480.75 m 472 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 495.75 m 517 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 480.75 m 517 480.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 495.75 m 562 495.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 480.75 m 562 480.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 560.42 Td (Results for AM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 560.42 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 560.42 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 545.42 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 545.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 545.42 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 545.42 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 545.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 545.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 545.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 545.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 531.32 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 530.42 Td (3,087) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 530.42 Td (3,047) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 530.42 Td (3,045) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 530.42 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 530.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 530.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 530.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 530.42 Td (42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 530.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 530.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 516.32 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 515.42 Td (2,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 515.42 Td (2,130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 515.42 Td (2,196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 515.42 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 515.42 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 515.47 Td (\(21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 515.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 515.47 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 515.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 501.32 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.80 500.42 Td (\(11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 500.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 500.42 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 500.42 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 500.47 Td (\(43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 500.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 500.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 500.47 Td (\(28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 500.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 500.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 486.32 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 485.42 Td (586) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 485.42 Td (557) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 485.42 Td (507) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 485.42 Td (29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 485.42 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 485.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 485.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 485.42 Td (79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 485.42 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 485.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 463.25 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 463.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 445.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 445.25 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 445.25 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 445.25 Td ($586 ) Tj ET Q q 0 0 0 rg BT 138.92 445.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 445.25 Td (an ) Tj ET Q q 0 0 0 rg BT 184.75 445.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.01 445.25 Td (of ) Tj ET Q q 0 0 0 rg BT 230.84 445.25 Td (16%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.68 427.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.07 427.25 Td (was ) Tj ET Q q 0 0 0 rg BT 116.36 427.25 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 135.60 427.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 165.95 427.25 Td (an ) Tj ET Q q 0 0 0 rg BT 177.13 427.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 211.63 427.25 Td (of ) Tj ET Q q 0 0 0 rg BT 221.70 427.25 Td (1%, ) Tj ET Q q 0 0 0 rg BT 239.27 427.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 279.32 427.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 306.06 427.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 340.02 427.25 Td (results ) Tj ET Q q 0 0 0 rg BT 367.87 427.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 395.15 427.25 Td (by ) Tj ET Q q 0 0 0 rg BT 406.90 427.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 434.18 427.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 464.81 427.25 Td (spreads ) Tj ET Q q 0 0 0 rg BT 496.54 427.25 Td (and ) Tj ET Q q 0 0 0 rg BT 512.72 427.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 531.68 427.25 Td (growth, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 415.25 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 110.32 415.25 Td (of) Tj ET Q q 0 0 0 rg BT 118.47 415.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 135.41 415.25 Td (by ) Tj ET Q q 0 0 0 rg BT 147.91 415.25 Td (a ) Tj ET Q q 0 0 0 rg BT 154.85 415.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 195.11 415.25 Td (in ) Tj ET Q q 0 0 0 rg BT 205.39 415.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 239.53 415.25 Td (related ) Tj ET Q q 0 0 0 rg BT 269.24 415.25 Td (to ) Tj ET Q q 0 0 0 rg BT 279.51 415.25 Td (a ) Tj ET Q q 0 0 0 rg BT 286.45 415.25 Td (prior) Tj ET Q q 0 0 0 rg BT 305.69 415.25 Td (-period ) Tj ET Q q 0 0 0 rg BT 337.07 415.25 Td (disposal ) Tj ET Q q 0 0 0 rg BT 372.35 415.25 Td (of ) Tj ET Q q 0 0 0 rg BT 383.18 415.25 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 397.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 397.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 397.25 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 397.25 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 171.41 397.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.53 397.25 Td (a ) Tj ET Q q 0 0 0 rg BT 209.47 397.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 246.38 397.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.21 397.25 Td (1%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 379.25 Td (Assets ) Tj ET Q q 0 0 0 rg BT 77.39 379.25 Td (under ) Tj ET Q q 0 0 0 rg BT 101.94 379.25 Td (management ) Tj ET Q q 0 0 0 rg BT 154.81 379.25 Td (were ) Tj ET Q q 0 0 0 rg BT 176.01 379.25 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 195.29 379.25 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 226.79 379.25 Td (up ) Tj ET Q q 0 0 0 rg BT 238.57 379.25 Td (3%, ) Tj ET Q q 0 0 0 rg BT 256.18 379.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 296.27 379.25 Td (net ) Tj ET Q q 0 0 0 rg BT 310.27 379.25 Td (inflows ) Tj ET Q q 0 0 0 rg BT 342.05 379.25 Td (into ) Tj ET Q q 0 0 0 rg BT 359.38 379.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 395.05 379.25 Td (and ) Tj ET Q q 0 0 0 rg BT 411.27 379.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 452.48 379.25 Td (products, ) Tj ET Q q 0 0 0 rg BT 491.20 379.25 Td (and ) Tj ET Q q 0 0 0 rg BT 507.42 379.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 534.74 379.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 367.25 Td (levels. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 347.75 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 340.10 69.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 332.65 Td (CORPORATE) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 317.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 317.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 317.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 317.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 317.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 317.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 317.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 317.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 317.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 317.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 302.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 302.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 302.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 302.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 302.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 302.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 302.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 302.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 302.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 302.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 302.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 302.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 272.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 272.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 272.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 272.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 272.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 272.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 257.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 257.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 257.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 257.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 257.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 257.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 242.75 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 242.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 242.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 242.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 242.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 242.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 242.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 242.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 242.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 242.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 242.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 242.75 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 302.75 m 423 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 302.75 m 468 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 302.75 m 472 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 302.75 m 517 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 302.75 m 562 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 287.75 m 231 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 287.75 m 276 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 287.75 m 280 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 287.75 m 325 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 287.75 m 329 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 287.75 m 374 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 287.75 m 378 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 287.75 m 423 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 287.75 m 468 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 287.75 m 472 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 287.75 m 517 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 287.75 m 562 287.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 242.75 m 231 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 227.75 m 231 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 242.75 m 276 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 227.75 m 276 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 242.75 m 280 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 227.75 m 280 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 242.75 m 325 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 227.75 m 325 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 242.75 m 329 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 227.75 m 329 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 242.75 m 374 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 227.75 m 374 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 242.75 m 378 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 227.75 m 378 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 242.75 m 423 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 227.75 m 423 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 242.75 m 468 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 227.75 m 468 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 242.75 m 472 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 227.75 m 472 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 242.75 m 517 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 227.75 m 517 227.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 242.75 m 562 242.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 227.75 m 562 227.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 307.42 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 307.42 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 307.42 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 292.42 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 292.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 292.42 Td (3Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 292.42 Td (4Q15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 292.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 292.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 292.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 292.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 278.32 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 277.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 277.42 Td (\(197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 277.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 277.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 277.47 Td (\(188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 277.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 277.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 277.42 Td (651) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 277.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 277.47 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 277.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 277.42 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 277.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 277.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 277.47 Td (\(848) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 277.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 277.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 263.32 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 262.42 Td (439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 262.42 Td (143) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 262.42 Td (609) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 262.42 Td (296) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.80 262.42 Td (207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 262.47 Td (\(170) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 262.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 262.47 Td (\(28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 262.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 248.32 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 247.42 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 247.47 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 247.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.80 247.47 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 247.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 247.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.80 247.42 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 247.42 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.15 247.42 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 247.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 233.32 Td (Net income/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 232.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 232.42 Td (\(341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 232.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 232.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 232.47 Td (\(165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 232.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 232.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 232.42 Td (222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 232.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 232.47 Td (\(176) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 232.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.45 232.42 Td (\(107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 232.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 232.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 232.47 Td (\(563) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 232.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 232.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 210.25 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 192.25 Td (Net loss was $341 million, compared with net income of $222 million in the prior) Tj ET Q q 0 0 0 rg BT 376.75 192.25 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 427.55 192.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.25 Td (Net revenue was a loss of $197 million, compared with a gain of $651 million in the prior) Tj ET Q q 0 0 0 rg BT 408.67 174.25 Td (-year quarter) Tj ET Q q 0 0 0 rg BT 459.47 174.25 Td (. Net revenue in the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.25 Td (year included benefits of $514 million from a legal settlement and approximately $178 million as a result of recognizing the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.25 Td (unamortized discount on certain debt securities that were called at par) Tj ET Q q 0 0 0 rg BT 328.28 150.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 132.25 Td (Noninterest expense was $439 million, down $170 million driven by lower legal expense.) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 59.50 740.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 85.88 740.25 Td (on ) Tj ET Q q 0 0 0 rg BT 98.94 740.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 146.17 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 148.67 740.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.40 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 219.88 740.25 Td (es ) Tj ET Q q 0 0 0 rg BT 230.71 740.25 Td (and ) Tj ET Q q 0 0 0 rg BT 249.33 740.25 Td (key ) Tj ET Q q 0 0 0 rg BT 266.83 740.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 324.31 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 355.79 740.25 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 716.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 716.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 716.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 136.17 716.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.67 716.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.40 716.25 Td (measur) Tj ET Q q 0 0 0 rg BT 209.88 716.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 692.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.87 692.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.69 692.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.51 692.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.43 692.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.69 692.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 199.91 692.25 Td (s ) Tj ET Q q 0 0 0 rg BT 205.85 692.25 Td (results ) Tj ET Q q 0 0 0 rg BT 234.00 692.25 Td (on ) Tj ET Q q 0 0 0 rg BT 246.04 692.25 Td (a ) Tj ET Q q 0 0 0 rg BT 252.53 692.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 287.89 692.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 312.43 692.25 Td (management ) Tj ET Q q 0 0 0 rg BT 365.56 692.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 398.70 692.25 Td (the ) Tj ET Q q 0 0 0 rg BT 412.96 692.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 435.19 692.25 Td (s ) Tj ET Q q 0 0 0 rg BT 441.13 692.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.78 692.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.59 692.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.85 692.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 680.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 91.35 680.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.80 680.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.04 680.25 Td (results ) Tj ET Q q 0 0 0 rg BT 153.17 680.25 Td (of ) Tj ET Q q 0 0 0 rg BT 164.52 680.25 Td (the ) Tj ET Q q 0 0 0 rg BT 179.76 680.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 201.66 680.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.01 680.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 252.42 680.25 Td (on ) Tj ET Q q 0 0 0 rg BT 265.44 680.25 Td (a ) Tj ET Q q 0 0 0 rg BT 272.90 680.25 Td (managed?) Tj ET Q q 0 0 0 rg BT 320.89 680.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 346.41 680.25 Td (which ) Tj ET Q q 0 0 0 rg BT 373.87 680.25 Td (are ) Tj ET Q q 0 0 0 rg BT 389.10 680.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 434.28 680.25 Td ( ) Tj ET Q q 0 0 0 rg BT 437.30 680.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 475.31 680.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 517.81 680.25 Td (The ) Tj ET Q q 0 0 0 rg BT 536.38 680.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 558.61 680.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 668.25 Td (definition ) Tj ET Q q 0 0 0 rg BT 108.90 668.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.74 668.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 158.35 668.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 180.86 668.25 Td (starts ) Tj ET Q q 0 0 0 rg BT 204.48 668.25 Td (with ) Tj ET Q q 0 0 0 rg BT 224.77 668.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.50 668.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 275.33 668.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 295.63 668.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 322.49 668.25 Td ( ) Tj ET Q q 0 0 0 rg BT 325.00 668.25 Td (results ) Tj ET Q q 0 0 0 rg BT 353.62 668.25 Td (and ) Tj ET Q q 0 0 0 rg BT 370.57 668.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 406.41 668.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 436.13 668.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 503.06 668.25 Td (to ) Tj ET Q q 0 0 0 rg BT 513.35 668.25 Td (present ) Tj ET Q q 0 0 0 rg BT 544.74 668.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 656.25 Td (net ) Tj ET Q q 0 0 0 rg BT 81.42 656.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 114.77 656.25 Td (for ) Tj ET Q q 0 0 0 rg BT 128.13 656.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.05 656.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 163.20 656.25 Td (\(and ) Tj ET Q q 0 0 0 rg BT 182.67 656.25 Td (each ) Tj ET Q q 0 0 0 rg BT 202.69 656.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.73 656.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.65 656.25 Td (business ) Tj ET Q q 0 0 0 rg BT 262.24 656.25 Td (segments\) ) Tj ET Q q 0 0 0 rg BT 304.49 656.25 Td (on ) Tj ET Q q 0 0 0 rg BT 316.19 656.25 Td (a ) Tj ET Q q 0 0 0 rg BT 322.34 656.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 342.93 656.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 418.48 656.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 453.50 656.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 477.33 656.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 526.66 656.25 Td (, ) Tj ET Q q 0 0 0 rg BT 530.87 656.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (from ) Tj ET Q q 0 0 0 rg BT 89.14 644.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 139.11 644.25 Td (that ) Tj ET Q q 0 0 0 rg BT 156.31 644.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 187.37 644.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 201.79 644.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 230.65 644.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.29 644.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 294.47 644.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 334.43 644.25 Td (is ) Tj ET Q q 0 0 0 rg BT 343.31 644.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 383.82 644.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.80 644.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.22 644.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 446.51 644.25 Td (results ) Tj ET Q q 0 0 0 rg BT 474.82 644.25 Td (on ) Tj ET Q q 0 0 0 rg BT 487.03 644.25 Td (a ) Tj ET Q q 0 0 0 rg BT 493.67 644.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 515.87 644.25 Td (comparable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 632.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.49 632.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 108.57 632.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 158.56 632.25 Td (and ) Tj ET Q q 0 0 0 rg BT 175.21 632.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 217.53 632.25 Td (These ) Tj ET Q q 0 0 0 rg BT 243.61 632.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 288.80 632.25 Td ( ) Tj ET Q q 0 0 0 rg BT 291.01 632.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 328.20 632.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 367.62 632.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 392.05 632.25 Td (management ) Tj ET Q q 0 0 0 rg BT 445.35 632.25 Td (to ) Tj ET Q q 0 0 0 rg BT 455.34 632.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 482.00 632.25 Td (the ) Tj ET Q q 0 0 0 rg BT 496.43 632.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 554.18 632.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.34 620.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 130.75 620.25 Td (from ) Tj ET Q q 0 0 0 rg BT 152.38 620.25 Td (both ) Tj ET Q q 0 0 0 rg BT 172.34 620.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 203.41 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.04 620.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 267.21 620.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 301.73 620.25 Td (The ) Tj ET Q q 0 0 0 rg BT 319.47 620.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 378.87 620.25 Td (income ) Tj ET Q q 0 0 0 rg BT 410.49 620.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 424.90 620.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 454.31 620.25 Td (related ) Tj ET Q q 0 0 0 rg BT 483.70 620.25 Td (to ) Tj ET Q q 0 0 0 rg BT 493.67 620.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 540.84 620.25 Td (items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 608.25 Td (is ) Tj ET Q q 0 0 0 rg BT 76.63 608.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 114.07 608.25 Td (within ) Tj ET Q q 0 0 0 rg BT 142.09 608.25 Td (income ) Tj ET Q q 0 0 0 rg BT 173.99 608.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 188.66 608.25 Td (expense. ) Tj ET Q q 0 0 0 rg BT 225.66 608.25 Td (These ) Tj ET Q q 0 0 0 rg BT 252.00 608.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 302.23 608.25 Td (have ) Tj ET Q q 0 0 0 rg BT 323.57 608.25 Td (no ) Tj ET Q q 0 0 0 rg BT 336.03 608.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 365.71 608.25 Td (on ) Tj ET Q q 0 0 0 rg BT 378.17 608.25 Td (net ) Tj ET Q q 0 0 0 rg BT 392.85 608.25 Td (income ) Tj ET Q q 0 0 0 rg BT 424.74 608.25 Td (as ) Tj ET Q q 0 0 0 rg BT 435.54 608.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 471.31 608.25 Td (by ) Tj ET Q q 0 0 0 rg BT 483.78 608.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.46 608.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 520.37 608.25 Td (as ) Tj ET Q q 0 0 0 rg BT 531.16 608.25 Td (a ) Tj ET Q q 0 0 0 rg BT 538.06 608.25 Td (whole ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 596.25 Td (or ) Tj ET Q q 0 0 0 rg BT 79.05 596.25 Td (by ) Tj ET Q q 0 0 0 rg BT 92.27 596.25 Td (the ) Tj ET Q q 0 0 0 rg BT 107.70 596.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 129.80 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.35 596.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 180.96 596.25 Td (For ) Tj ET Q q 0 0 0 rg BT 198.07 596.25 Td (a ) Tj ET Q q 0 0 0 rg BT 205.73 596.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 263.92 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 275.47 596.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.90 596.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 313.13 596.25 Td (s ) Tj ET Q q 0 0 0 rg BT 320.24 596.25 Td (results ) Tj ET Q q 0 0 0 rg BT 349.57 596.25 Td (from ) Tj ET Q q 0 0 0 rg BT 372.22 596.25 Td (a ) Tj ET Q q 0 0 0 rg BT 379.88 596.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 416.41 596.25 Td (to ) Tj ET Q q 0 0 0 rg BT 427.41 596.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 466.72 596.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 492.44 596.25 Td (see ) Tj ET Q q 0 0 0 rg BT 508.42 596.25 Td (page ) Tj ET Q q 0 0 0 rg BT 530.52 596.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 538.74 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 550.28 596.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 105.55 584.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 139.14 584.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 178.85 584.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 560.25 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.91 560.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 103.60 560.25 Td (common ) Tj ET Q q 0 0 0 rg BT 139.84 560.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 166.09 560.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 204.26 560.25 Td (return ) Tj ET Q q 0 0 0 rg BT 229.39 560.25 Td (on ) Tj ET Q q 0 0 0 rg BT 240.64 560.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 274.11 560.25 Td (common ) Tj ET Q q 0 0 0 rg BT 310.35 560.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 336.60 560.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 386.17 560.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.86 560.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 435.32 560.25 Td (book ) Tj ET Q q 0 0 0 rg BT 456.57 560.25 Td (value ) Tj ET Q q 0 0 0 rg BT 479.48 560.25 Td (per ) Tj ET Q q 0 0 0 rg BT 493.50 560.25 Td (share ) Tj ET Q q 0 0 0 rg BT 515.85 560.25 Td (\(TBVPS\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (are ) Tj ET Q q 0 0 0 rg BT 82.92 548.25 Td (each ) Tj ET Q q 0 0 0 rg BT 104.45 548.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 149.64 548.25 Td ( ) Tj ET Q q 0 0 0 rg BT 152.85 548.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 191.05 548.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 233.73 548.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 255.84 548.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 299.59 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.02 548.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 337.25 548.25 Td (s ) Tj ET Q q 0 0 0 rg BT 344.35 548.25 Td (common ) Tj ET Q q 0 0 0 rg BT 382.56 548.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 435.70 548.25 Td ( ) Tj ET Q q 0 0 0 rg BT 438.91 548.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 467.12 548.25 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 488.38 548.25 Td (total ) Tj ET Q q 0 0 0 rg BT 509.37 548.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 562.50 548.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 536.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 95.72 536.25 Td (less ) Tj ET Q q 0 0 0 rg BT 113.95 536.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 153.81 536.25 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 181.48 536.25 Td (less ) Tj ET Q q 0 0 0 rg BT 199.71 536.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 238.49 536.25 Td (and ) Tj ET Q q 0 0 0 rg BT 256.16 536.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 304.92 536.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 348.14 536.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 374.70 536.25 Td (\(other ) Tj ET Q q 0 0 0 rg BT 401.80 536.25 Td (than ) Tj ET Q q 0 0 0 rg BT 422.25 536.25 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 456.32 536.25 Td (net ) Tj ET Q q 0 0 0 rg BT 471.76 536.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.32 536.25 Td (related ) Tj ET Q q 0 0 0 rg BT 513.75 536.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 550.28 536.25 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 524.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 111.37 524.25 Td (For ) Tj ET Q q 0 0 0 rg BT 129.42 524.25 Td (a ) Tj ET Q q 0 0 0 rg BT 138.01 524.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 197.14 524.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.62 524.25 Td (common ) Tj ET Q q 0 0 0 rg BT 248.77 524.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 301.91 524.25 Td ( ) Tj ET Q q 0 0 0 rg BT 306.06 524.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 335.21 524.25 Td (to ) Tj ET Q q 0 0 0 rg BT 346.84 524.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 372.38 524.25 Td (see ) Tj ET Q q 0 0 0 rg BT 389.30 524.25 Td (page ) Tj ET Q q 0 0 0 rg BT 412.33 524.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 421.49 524.25 Td (of ) Tj ET Q q 0 0 0 rg BT 433.97 524.25 Td (the ) Tj ET Q q 0 0 0 rg BT 450.34 524.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 490.04 524.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 525.29 524.25 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 512.25 Td (Supplement. ) Tj ET Q q 0 0 0 rg BT 120.02 512.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 155.05 512.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 194.51 512.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.98 512.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 231.20 512.25 Td (s ) Tj ET Q q 0 0 0 rg BT 237.34 512.25 Td (net ) Tj ET Q q 0 0 0 rg BT 251.81 512.25 Td (income ) Tj ET Q q 0 0 0 rg BT 283.49 512.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 326.83 512.25 Td (to ) Tj ET Q q 0 0 0 rg BT 336.86 512.25 Td (common ) Tj ET Q q 0 0 0 rg BT 374.11 512.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 401.35 512.25 Td (as ) Tj ET Q q 0 0 0 rg BT 411.93 512.25 Td (a ) Tj ET Q q 0 0 0 rg BT 418.62 512.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 464.17 512.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.75 512.25 Td (average ) Tj ET Q q 0 0 0 rg BT 507.92 512.25 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 531.40 512.25 Td (TBVPS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 500.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 110.20 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.57 500.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 146.80 500.25 Td (s ) Tj ET Q q 0 0 0 rg BT 152.69 500.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 173.74 500.25 Td (at ) Tj ET Q q 0 0 0 rg BT 183.11 500.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 228.58 500.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 260.74 500.25 Td (by ) Tj ET Q q 0 0 0 rg BT 272.90 500.25 Td (common ) Tj ET Q q 0 0 0 rg BT 310.05 500.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 337.20 500.25 Td (at ) Tj ET Q q 0 0 0 rg BT 346.57 500.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 394.39 500.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 417.94 500.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 452.87 500.25 Td (and ) Tj ET Q q 0 0 0 rg BT 469.31 500.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 502.59 500.25 Td (are ) Tj ET Q q 0 0 0 rg BT 516.96 500.25 Td (meaningful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 488.25 Td (to ) Tj ET Q q 0 0 0 rg BT 77.78 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 92.50 488.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 116.94 488.25 Td (as ) Tj ET Q q 0 0 0 rg BT 127.77 488.25 Td (well ) Tj ET Q q 0 0 0 rg BT 147.49 488.25 Td (as ) Tj ET Q q 0 0 0 rg BT 158.32 488.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 196.93 488.25 Td (and ) Tj ET Q q 0 0 0 rg BT 213.87 488.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 251.08 488.25 Td (in ) Tj ET Q q 0 0 0 rg BT 261.36 488.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 301.08 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.80 488.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 338.03 488.25 Td (s ) Tj ET Q q 0 0 0 rg BT 344.42 488.25 Td (use ) Tj ET Q q 0 0 0 rg BT 360.25 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.08 488.25 Td (equity) Tj ET Q q 0 0 0 rg BT 395.42 488.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 463.05 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 463.05 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 105.74 463.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.07 463.05 Td (and ) Tj ET Q q 0 0 0 rg BT 156.64 463.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 192.09 463.05 Td (overhead ) Tj ET Q q 0 0 0 rg BT 230.86 463.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 251.32 463.05 Td (are ) Tj ET Q q 0 0 0 rg BT 265.65 463.05 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 310.84 463.05 Td ( ) Tj ET Q q 0 0 0 rg BT 312.97 463.05 Td (financial ) Tj ET Q q 0 0 0 rg BT 350.07 463.05 Td (measures) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 387.28 463.05 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.37 463.05 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 430.61 463.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 464.94 463.05 Td (excludes ) Tj ET Q q 0 0 0 rg BT 502.06 463.05 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 543.07 463.05 Td (legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 451.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 101.87 451.05 Td (\(an ) Tj ET Q q 0 0 0 rg BT 116.81 451.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 151.18 451.05 Td (of ) Tj ET Q q 0 0 0 rg BT 161.67 451.05 Td ($230 ) Tj ET Q q 0 0 0 rg BT 183.84 451.05 Td (million ) Tj ET Q q 0 0 0 rg BT 214.90 451.05 Td (in ) Tj ET Q q 0 0 0 rg BT 224.84 451.05 Td (the ) Tj ET Q q 0 0 0 rg BT 239.22 451.05 Td (fourth ) Tj ET Q q 0 0 0 rg BT 265.83 451.05 Td (quarter ) Tj ET Q q 0 0 0 rg BT 296.31 451.05 Td (of ) Tj ET Q q 0 0 0 rg BT 306.80 451.05 Td (2016\). ) Tj ET Q q 0 0 0 rg BT 334.64 451.05 Td (The ) Tj ET Q q 0 0 0 rg BT 352.36 451.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 387.85 451.05 Td (overhead ) Tj ET Q q 0 0 0 rg BT 426.66 451.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 447.15 451.05 Td (measures ) Tj ET Q q 0 0 0 rg BT 486.52 451.05 Td (the ) Tj ET Q q 0 0 0 rg BT 500.90 451.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 523.13 451.05 Td (s ) Tj ET Q q 0 0 0 rg BT 529.19 451.05 Td (adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 439.05 Td (expense ) Tj ET Q q 0 0 0 rg BT 101.80 439.05 Td (as ) Tj ET Q q 0 0 0 rg BT 112.22 439.05 Td (a ) Tj ET Q q 0 0 0 rg BT 118.75 439.05 Td (percentage ) Tj ET Q q 0 0 0 rg BT 164.14 439.05 Td (of ) Tj ET Q q 0 0 0 rg BT 174.56 439.05 Td (managed ) Tj ET Q q 0 0 0 rg BT 212.74 439.05 Td (net ) Tj ET Q q 0 0 0 rg BT 227.05 439.05 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 263.28 439.05 Td (Management ) Tj ET Q q 0 0 0 rg BT 317.57 439.05 Td (believes ) Tj ET Q q 0 0 0 rg BT 352.43 439.05 Td (this ) Tj ET Q q 0 0 0 rg BT 368.96 439.05 Td (information ) Tj ET Q q 0 0 0 rg BT 418.27 439.05 Td (helps ) Tj ET Q q 0 0 0 rg BT 441.46 439.05 Td (investors ) Tj ET Q q 0 0 0 rg BT 479.66 439.05 Td (understand ) Tj ET Q q 0 0 0 rg BT 525.63 439.05 Td (the ) Tj ET Q q 0 0 0 rg BT 539.94 439.05 Td (ef) Tj ET Q q 0 0 0 rg BT 547.52 439.05 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 427.05 Td (of ) Tj ET Q q 0 0 0 rg BT 78.33 427.05 Td (these ) Tj ET Q q 0 0 0 rg BT 101.38 427.05 Td (items ) Tj ET Q q 0 0 0 rg BT 125.54 427.05 Td (on ) Tj ET Q q 0 0 0 rg BT 138.04 427.05 Td (reported ) Tj ET Q q 0 0 0 rg BT 173.86 427.05 Td (results ) Tj ET Q q 0 0 0 rg BT 202.47 427.05 Td (and ) Tj ET Q q 0 0 0 rg BT 219.40 427.05 Td (provides ) Tj ET Q q 0 0 0 rg BT 256.34 427.05 Td (an ) Tj ET Q q 0 0 0 rg BT 268.28 427.05 Td (alternate ) Tj ET Q q 0 0 0 rg BT 305.20 427.05 Td (presentation ) Tj ET Q q 0 0 0 rg BT 356.57 427.05 Td (of ) Tj ET Q q 0 0 0 rg BT 367.40 427.05 Td (the ) Tj ET Q q 0 0 0 rg BT 382.12 427.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 404.35 427.05 Td (s ) Tj ET Q q 0 0 0 rg BT 410.74 427.05 Td (performance.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 403.05 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 403.05 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 403.05 Td (key ) Tj ET Q q 0 0 0 rg BT 106.44 403.05 Td (performance ) Tj ET Q q 0 0 0 rg BT 163.92 403.05 Td (measur) Tj ET Q q 0 0 0 rg BT 195.40 403.05 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 379.05 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 379.05 Td (Core ) Tj ET Q q 0 0 0 rg BT 89.14 379.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 112.44 379.05 Td (represent ) Tj ET Q q 0 0 0 rg BT 151.28 379.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.59 379.05 Td (considered ) Tj ET Q q 0 0 0 rg BT 220.10 379.05 Td (central ) Tj ET Q q 0 0 0 rg BT 249.50 379.05 Td (to ) Tj ET Q q 0 0 0 rg BT 259.48 379.05 Td (the ) Tj ET Q q 0 0 0 rg BT 273.89 379.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 296.12 379.05 Td (s ) Tj ET Q q 0 0 0 rg BT 302.21 379.05 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 337.18 379.05 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 384.38 379.05 Td (core ) Tj ET Q q 0 0 0 rg BT 403.78 379.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 427.09 379.05 Td (exclude ) Tj ET Q q 0 0 0 rg BT 460.38 379.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 483.69 379.05 Td (classified ) Tj ET Q q 0 0 0 rg BT 523.65 379.05 Td (as ) Tj ET Q q 0 0 0 rg BT 534.17 379.05 Td (trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 367.05 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.61 367.05 Td (runof) Tj ET Q q 0 0 0 rg BT 117.09 367.05 Td (f ) Tj ET Q q 0 0 0 rg BT 122.71 367.05 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 166.37 367.05 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 219.76 367.05 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 260.93 367.05 Td (and ) Tj ET Q q 0 0 0 rg BT 277.65 367.05 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 318.82 367.05 Td (the ) Tj ET Q q 0 0 0 rg BT 333.32 367.05 Td (Firm ) Tj ET Q q 0 0 0 rg BT 355.05 367.05 Td (has ) Tj ET Q q 0 0 0 rg BT 370.66 367.05 Td (an ) Tj ET Q q 0 0 0 rg BT 382.39 367.05 Td (intent ) Tj ET Q q 0 0 0 rg BT 407.44 367.05 Td (to ) Tj ET Q q 0 0 0 rg BT 417.50 367.05 Td (exit. ) Tj ET Q q 0 0 0 rg BT 437.28 367.05 Td (For ) Tj ET Q q 0 0 0 rg BT 453.45 367.05 Td (further ) Tj ET Q q 0 0 0 rg BT 482.94 367.05 Td (information ) Tj ET Q q 0 0 0 rg BT 532.44 367.05 Td (on ) Tj ET Q q 0 0 0 rg BT 544.72 367.05 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 355.05 Td (loans ) Tj ET Q q 0 0 0 rg BT 91.11 355.05 Td (and ) Tj ET Q q 0 0 0 rg BT 108.05 355.05 Td (core ) Tj ET Q q 0 0 0 rg BT 127.75 355.05 Td (loans, ) Tj ET Q q 0 0 0 rg BT 153.86 355.05 Td (see ) Tj ET Q q 0 0 0 rg BT 169.13 355.05 Td (pages ) Tj ET Q q 0 0 0 rg BT 194.40 355.05 Td (3, ) Tj ET Q q 0 0 0 rg BT 204.40 355.05 Td (12, ) Tj ET Q q 0 0 0 rg BT 219.40 355.05 Td (16, ) Tj ET Q q 0 0 0 rg BT 234.40 355.05 Td (19, ) Tj ET Q q 0 0 0 rg BT 249.40 355.05 Td (21 ) Tj ET Q q 0 0 0 rg BT 261.90 355.05 Td (and ) Tj ET Q q 0 0 0 rg BT 278.84 355.05 Td (23 ) Tj ET Q q 0 0 0 rg BT 291.34 355.05 Td (of ) Tj ET Q q 0 0 0 rg BT 302.17 355.05 Td (the ) Tj ET Q q 0 0 0 rg BT 316.88 355.05 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 354.93 355.05 Td (Release ) Tj ET Q q 0 0 0 rg BT 388.53 355.05 Td (Financial ) Tj ET Q q 0 0 0 rg BT 428.24 355.05 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 331.05 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 331.05 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 109.52 331.05 Td (as ) Tj ET Q q 0 0 0 rg BT 119.88 331.05 Td (of ) Tj ET Q q 0 0 0 rg BT 130.23 331.05 Td (December ) Tj ET Q q 0 0 0 rg BT 173.35 331.05 Td (31, ) Tj ET Q q 0 0 0 rg BT 187.87 331.05 Td (2016. ) Tj ET Q q 0 0 0 rg BT 212.40 331.05 Td (Common ) Tj ET Q q 0 0 0 rg BT 251.66 331.05 Td (equity ) Tj ET Q q 0 0 0 rg BT 278.53 331.05 Td (T) Tj ET Q q 0 0 0 rg BT 284.29 331.05 Td (ier ) Tj ET Q q 0 0 0 rg BT 296.86 331.05 Td (1 ) Tj ET Q q 0 0 0 rg BT 303.89 331.05 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 345.34 331.05 Td (capital, ) Tj ET Q q 0 0 0 rg BT 376.52 331.05 Td (the ) Tj ET Q q 0 0 0 rg BT 390.77 331.05 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 416.68 331.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 437.03 331.05 Td (and ) Tj ET Q q 0 0 0 rg BT 453.50 331.05 Td (the ) Tj ET Q q 0 0 0 rg BT 467.74 331.05 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 528.64 331.05 Td (leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 319.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 88.37 319.05 Td (\(SLR\) ) Tj ET Q q 0 0 0 rg BT 124.79 319.05 Td (under ) Tj ET Q q 0 0 0 rg BT 150.11 319.05 Td (the ) Tj ET Q q 0 0 0 rg BT 164.87 319.05 Td (Basel ) Tj ET Q q 0 0 0 rg BT 189.64 319.05 Td (III ) Tj ET Q q 0 0 0 rg BT 201.61 319.05 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 244.69 319.05 Td (Fully ) Tj ET Q q 0 0 0 rg BT 268.36 319.05 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 310.90 319.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 340.09 319.05 Td (rules, ) Tj ET Q q 0 0 0 rg BT 364.58 319.05 Td (to ) Tj ET Q q 0 0 0 rg BT 374.90 319.05 Td (which ) Tj ET Q q 0 0 0 rg BT 401.89 319.05 Td (the ) Tj ET Q q 0 0 0 rg BT 416.65 319.05 Td (Firm ) Tj ET Q q 0 0 0 rg BT 438.64 319.05 Td (will ) Tj ET Q q 0 0 0 rg BT 456.75 319.05 Td (be ) Tj ET Q q 0 0 0 rg BT 468.73 319.05 Td (subject ) Tj ET Q q 0 0 0 rg BT 499.60 319.05 Td (as ) Tj ET Q q 0 0 0 rg BT 510.48 319.05 Td (of ) Tj ET Q q 0 0 0 rg BT 521.36 319.05 Td (January ) Tj ET Q q 0 0 0 rg BT 555.00 319.05 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 307.05 Td (2019, ) Tj ET Q q 0 0 0 rg BT 91.48 307.05 Td (are ) Tj ET Q q 0 0 0 rg BT 105.16 307.05 Td (each ) Tj ET Q q 0 0 0 rg BT 124.95 307.05 Td (considered ) Tj ET Q q 0 0 0 rg BT 169.75 307.05 Td (key ) Tj ET Q q 0 0 0 rg BT 185.66 307.05 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 228.23 307.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 256.36 307.05 Td (measures. ) Tj ET Q q 0 0 0 rg BT 297.44 307.05 Td (These ) Tj ET Q q 0 0 0 rg BT 322.79 307.05 Td (measures ) Tj ET Q q 0 0 0 rg BT 361.48 307.05 Td (are ) Tj ET Q q 0 0 0 rg BT 375.16 307.05 Td (used ) Tj ET Q q 0 0 0 rg BT 394.97 307.05 Td (by ) Tj ET Q q 0 0 0 rg BT 406.44 307.05 Td (management, ) Tj ET Q q 0 0 0 rg BT 461.51 307.05 Td (bank ) Tj ET Q q 0 0 0 rg BT 482.42 307.05 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 526.39 307.05 Td (investors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 295.05 Td (and ) Tj ET Q q 0 0 0 rg BT 85.31 295.05 Td (analysts ) Tj ET Q q 0 0 0 rg BT 120.90 295.05 Td (to ) Tj ET Q q 0 0 0 rg BT 132.05 295.05 Td (assess ) Tj ET Q q 0 0 0 rg BT 159.86 295.05 Td (and ) Tj ET Q q 0 0 0 rg BT 177.67 295.05 Td (monitor ) Tj ET Q q 0 0 0 rg BT 212.71 295.05 Td (the ) Tj ET Q q 0 0 0 rg BT 228.30 295.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 250.52 295.05 Td (s ) Tj ET Q q 0 0 0 rg BT 257.79 295.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 287.81 295.05 Td (position. ) Tj ET Q q 0 0 0 rg BT 325.91 295.05 Td (For ) Tj ET Q q 0 0 0 rg BT 343.17 295.05 Td (additional ) Tj ET Q q 0 0 0 rg BT 386.53 295.05 Td (information ) Tj ET Q q 0 0 0 rg BT 437.12 295.05 Td (on ) Tj ET Q q 0 0 0 rg BT 450.49 295.05 Td (these ) Tj ET Q q 0 0 0 rg BT 474.41 295.05 Td (measures, ) Tj ET Q q 0 0 0 rg BT 517.49 295.05 Td (see ) Tj ET Q q 0 0 0 rg BT 533.63 295.05 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 283.05 Td (Management ) Tj ET Q q 0 0 0 rg BT 121.87 283.05 Td (on ) Tj ET Q q 0 0 0 rg BT 134.04 283.05 Td (pages ) Tj ET Q q 0 0 0 rg BT 158.98 283.05 Td (149-158 ) Tj ET Q q 0 0 0 rg BT 194.48 283.05 Td (of ) Tj ET Q q 0 0 0 rg BT 204.98 283.05 Td (the ) Tj ET Q q 0 0 0 rg BT 219.36 283.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 241.59 283.05 Td (s ) Tj ET Q q 0 0 0 rg BT 247.17 283.05 Td (Annual ) Tj ET Q q 0 0 0 rg BT 278.78 283.05 Td (Report ) Tj ET Q q 0 0 0 rg BT 308.17 283.05 Td (on ) Tj ET Q q 0 0 0 rg BT 320.34 283.05 Td (Form ) Tj ET Q q 0 0 0 rg BT 344.18 283.05 Td (10-K ) Tj ET Q q 0 0 0 rg BT 366.90 283.05 Td (for ) Tj ET Q q 0 0 0 rg BT 380.73 283.05 Td (the ) Tj ET Q q 0 0 0 rg BT 395.11 283.05 Td (year ) Tj ET Q q 0 0 0 rg BT 414.49 283.05 Td (ended ) Tj ET Q q 0 0 0 rg BT 440.54 283.05 Td (December ) Tj ET Q q 0 0 0 rg BT 483.79 283.05 Td (31, ) Tj ET Q q 0 0 0 rg BT 498.46 283.05 Td (2015, ) Tj ET Q q 0 0 0 rg BT 523.13 283.05 Td (and ) Tj ET Q q 0 0 0 rg BT 539.74 283.05 Td (pages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 271.05 Td (67-73 ) Tj ET Q q 0 0 0 rg BT 93.33 271.05 Td (of ) Tj ET Q q 0 0 0 rg BT 104.16 271.05 Td (the ) Tj ET Q q 0 0 0 rg BT 118.88 271.05 Td (Firm? Tj ET Q q 0 0 0 rg BT 141.10 271.05 Td (s ) Tj ET Q q 0 0 0 rg BT 147.50 271.05 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 188.31 271.05 Td (Report ) Tj ET Q q 0 0 0 rg BT 218.03 271.05 Td (on ) Tj ET Q q 0 0 0 rg BT 230.53 271.05 Td (Form ) Tj ET Q q 0 0 0 rg BT 254.70 271.05 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 277.75 271.05 Td (for ) Tj ET Q q 0 0 0 rg BT 291.91 271.05 Td (the ) Tj ET Q q 0 0 0 rg BT 306.63 271.05 Td (quarter ) Tj ET Q q 0 0 0 rg BT 337.44 271.05 Td (ended ) Tj ET Q q 0 0 0 rg BT 363.82 271.05 Td (September ) Tj ET Q q 0 0 0 rg BT 409.08 271.05 Td (30, ) Tj ET Q q 0 0 0 rg BT 424.08 271.05 Td (2016.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 97.57 740.25 Td (notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 710.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 710.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 710.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 710.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 710.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 692.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 692.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 692.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 136.64 692.25 Td (issuance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (Percentage ) Tj ET Q q 0 0 0 rg BT 114.22 674.25 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 167.63 674.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 192.71 674.25 Td (in ) Tj ET Q q 0 0 0 rg BT 203.35 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 218.42 674.25 Td (bullet ) Tj ET Q q 0 0 0 rg BT 244.06 674.25 Td (points ) Tj ET Q q 0 0 0 rg BT 271.37 674.25 Td (are ) Tj ET Q q 0 0 0 rg BT 286.43 674.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 329.82 674.25 Td (for ) Tj ET Q q 0 0 0 rg BT 344.34 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 359.42 674.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 386.72 674.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 417.89 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 429.08 674.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 451.94 674.25 Td (versus ) Tj ET Q q 0 0 0 rg BT 480.36 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.43 674.25 Td (prior) Tj ET Q q 0 0 0 rg BT 514.67 674.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 538.07 674.25 Td (fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 95.42 662.25 Td (, ) Tj ET Q q 0 0 0 rg BT 100.42 662.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 127.92 662.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 169.29 662.25 Td (specified. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 644.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 644.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 626.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (High ) Tj ET Q q 0 0 0 rg BT 89.79 626.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 119.85 626.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 145.48 626.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 171.10 626.25 Td (\(HQLA\) ) Tj ET Q q 0 0 0 rg BT 216.70 626.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 259.53 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.03 626.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 314.64 626.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 346.93 626.25 Td (of ) Tj ET Q q 0 0 0 rg BT 357.55 626.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 383.17 626.25 Td (that ) Tj ET Q q 0 0 0 rg BT 400.45 626.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 431.07 626.25 Td (for ) Tj ET Q q 0 0 0 rg BT 445.02 626.25 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 483.97 626.25 Td (in ) Tj ET Q q 0 0 0 rg BT 494.04 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 508.55 626.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 528.62 626.25 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 106.08 614.25 Td (ratio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 596.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 596.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 596.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.05 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.88 596.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.15 596.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.20 596.25 Td (to ) Tj ET Q q 0 0 0 rg BT 202.48 596.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.09 596.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.13 596.25 Td (new ) Tj ET Q q 0 0 0 rg BT 293.30 596.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 596.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.61 596.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.38 596.25 Td (including ) Tj ET Q q 0 0 0 rg BT 414.66 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.27 596.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.21 596.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.47 596.25 Td (The ) Tj ET Q q 0 0 0 rg BT 532.52 596.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.90 584.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 102.74 584.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.36 584.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.22 584.25 Td (small ) Tj ET Q q 0 0 0 rg BT 173.96 584.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.25 584.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.75 584.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.93 584.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.44 584.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.27 584.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.23 584.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.64 584.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.48 584.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 423.10 584.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.17 584.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 478.35 584.25 Td (& ) Tj ET Q q 0 0 0 rg BT 488.21 584.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.84 584.25 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 91.61 572.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 137.65 572.25 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 177.61 572.25 Td (& ) Tj ET Q q 0 0 0 rg BT 187.08 572.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 212.03 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.64 572.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 280.24 572.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 318.64 572.25 Td (The ) Tj ET Q q 0 0 0 rg BT 336.35 572.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 368.52 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 379.02 572.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 403.95 572.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 441.67 572.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.62 572.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 491.01 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 507.62 572.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 527.57 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 544.18 572.25 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.07 560.25 Td (government ) Tj ET Q q 0 0 0 rg BT 138.62 560.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 172.78 560.25 Td (including ) Tj ET Q q 0 0 0 rg BT 213.34 560.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 233.91 560.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 261.41 560.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 323.35 560.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 361.69 560.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.91 560.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 430.30 560.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 473.62 560.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 499.17 560.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 537.50 560.25 Td (by ) Tj ET Q q 0 0 0 rg BT 550.29 560.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 109.99 548.25 Td (& ) Tj ET Q q 0 0 0 rg BT 120.26 548.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 167.20 548.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 190.81 548.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.74 548.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 259.67 548.25 Td (Banking.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) 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