%PDF-1.5 1 0 obj <> endobj 3 0 obj <> endobj 4 0 obj <> stream 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 13.5 740 m 305.5 740 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 740 m 597.5 740 l s BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 16.00 770.26 Td (JPMor) Tj ET Q q 0 0 0 rg BT 39.84 770.26 Td (ganChase? Co.) 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 9.5 71.5 m 371.5 71.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 71.5 m 601.5 71.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 12.00 62.76 Td (Investor Contact: Jason Scott \(212\) 270-2479) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 175.73 62.76 Td ( ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 55.32 Td (1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 52.15 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 82.65 52.15 Td ( financial measures, including managed basis reporting, and key performance measures, see page 6.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 12.00 42.15 Td (For additional notes see page 7.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 62.76 Td (Media Contact: Joseph Evangelisti \(212\) 270-7438) Tj ET Q BT /F1 10.00 Tf ET BT /F2 11.00 Tf ET q 0 0 0 rg BT 87.90 721.60 Td ( JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 235.71 721.60 Td (TS RECORD FOUR) Tj ET Q q 0 0 0 rg BT 333.11 721.60 Td (TH-QUAR) Tj ET Q q 0 0 0 rg BT 384.66 721.60 Td (TER 2018 NET) Tj ET Q q 0 0 0 rg BT 457.20 721.60 Td ( INCOME OF) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 214.00 708.40 Td ($7.1 BILLION, OR $1.98 PER SHARE) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 94.20 689.20 Td (RECORD FULL-YEAR 2018 NET) Tj ET Q q 0 0 0 rg BT 258.71 689.20 Td ( INCOME OF) Tj ET Q q 0 0 0 rg BT 325.52 689.20 Td ( $32.5 BILLION, OR $9.00 PER SHARE) Tj ET Q 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 18.5 675.7 m 18.5 671.7 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 594.5 675.7 m 594.5 671.7 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 18.5 675.7 m 594.5 675.7 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 18.5 671.7 m 594.5 671.7 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 18.00 660.20 Td (FULL-YEAR 2018 RESUL) Tj ET Q q 0 0 0 rg BT 133.76 660.20 Td (TS) Tj ET Q 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 85.50 649.70 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 240.50 649.70 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 395.50 649.70 130.00 -33.00 re f /GS0 gs BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 127.75 637.12 Td (ROE 13%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 119.75 624.12 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 154.75 628.89 Td (1 ) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 160.17 624.12 Td (17%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 250.75 635.62 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 335.01 635.62 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 355.58 640.39 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 290.80 625.62 Td (12.0%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 418.35 635.62 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 478.16 635.62 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 492.60 640.39 Td (2,3) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 449.95 625.62 Td (92%) Tj ET Q BT /F1 6.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 527.00 617.20 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 18.00 602.20 Td (FOUR) Tj ET Q q 0 0 0 rg BT 45.98 602.20 Td (TH-QUAR) Tj ET Q q 0 0 0 rg BT 92.85 602.20 Td (TER 2018 RESUL) Tj ET Q q 0 0 0 rg BT 170.84 602.20 Td (TS) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 183.07 606.73 Td (4) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 19.50 591.70 71.00 -66.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 19.50 518.70 71.00 -66.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 19.50 445.70 71.00 -66.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 gs 19.50 372.70 71.00 -44.00 re f /GS0 gs 0.5176470588235295 0.29411764705882354 0.1568627450980392 rg /GS0 gs 19.50 321.70 71.00 -44.00 re f /GS0 gs BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 32.55 562.12 Td (Firmwide) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 36.95 550.12 Td (Metrics) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 579.44 cm /I1 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 582.96 Td (Reported revenue of $26.1 billion; managed revenue ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 573.96 Td (of $26.8 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 159.75 578.04 Td (1) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 553.84 cm /I2 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 556.56 Td (ROE of 12%; ROTCE) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 184.75 560.64 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 189.13 556.56 Td (of 14%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 531.84 cm /I3 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 534.56 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 534.56 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.80 538.64 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.18 534.56 Td (ex-CIB, up 6% ) Tj ET Q q 0 0 0 rg BT 233.34 534.56 Td (Y) Tj ET Q q 0 0 0 rg BT 238.94 534.56 Td (oY) Tj ET Q q 0 0 0 rg BT 249.61 534.56 Td ( and 1% QoQ) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 43.65 499.02 Td (CCB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 25.80 476.48 Td (4Q18 ROE 30% ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 26.70 466.88 Td (2018 ROE 28% ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 502.84 cm /I4 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 505.56 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 505.56 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.80 509.64 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.18 505.56 Td (up 5%; average deposits up 3%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 480.84 cm /I5 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 483.56 Td (Client investment assets of $282.5 billion, up 3%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 462.44 cm /I6 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 465.96 Td (Credit card sales volume) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 193.22 470.04 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.15 465.96 Td ( up 10%; debit sales volume ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 456.96 Td (up 1) Tj ET Q q 0 0 0 rg BT 119.42 456.96 Td (1%; merchant processing volume up 17%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 45.85 423.22 Td (CIB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 25.80 404.68 Td (4Q18 ROE 10% ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 26.70 396.68 Td (2018 ROE 16%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 433.44 cm /I7 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 436.96 Td (#1 Global Investment Banking fees with 8.7% wallet) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 427.96 Td (share for the year) Tj ET Q q 0 0 0 rg BT 166.53 427.96 Td (, up 60 bps) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 411.44 cm /I8 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 414.96 Td (T) Tj ET Q q 0 0 0 rg BT 109.18 414.96 Td (otal Markets revenue of $3.2 billion, down 6%;) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 404.16 Td (Equity Markets revenue of $1.3 billion, up 15%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 389.44 cm /I9 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 392.96 Td (T) Tj ET Q q 0 0 0 rg BT 109.18 392.96 Td (reasury Services revenue up 13% and Security) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 383.96 Td (Services revenue up 1%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 47.25 361.22 Td (CB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 25.80 342.68 Td (4Q18 ROE 20% ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 26.70 334.68 Td (2018 ROE 20%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 356.84 cm /I10 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 359.56 Td (A) Tj ET Q q 0 0 0 rg BT 110.17 359.56 Td (verage loan balances up 2%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 334.84 cm /I11 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 337.56 Td (Strong credit quality with net char) Tj ET Q q 0 0 0 rg BT 227.14 337.56 Td (ge-of) Tj ET Q q 0 0 0 rg BT 245.96 337.56 Td (fs of 7 bps) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 42.25 310.22 Td (A) Tj ET Q q 1 1 1 rg BT 48.92 310.22 Td (WM) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 25.80 291.68 Td (4Q18 ROE 26% ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 26.70 283.68 Td (2018 ROE 31%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 305.84 cm /I12 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 308.56 Td (A) Tj ET Q q 0 0 0 rg BT 110.17 308.56 Td (verage loan balances up 13%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 287.44 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 290.96 Td (Assets under management \(AUM\) of $2.0 trillion,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 280.16 Td (down 2%) Tj ET Q BT /F1 10.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 305.50 591.70 288.00 -314.00 re f /GS0 gs 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 591.7 m 305.5 277.70000000000005 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 593.5 591.7 m 593.5 277.70000000000005 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 591.7 m 593.5 591.7 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 277.70000000000005 m 593.5 277.70000000000005 l s BT /F1 8.50 Tf ET q 0 0 0 rg BT 308.00 583.31 Td ( ) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 308.00 574.81 Td (Jamie Dimon, Chairman and CEO, commented on the financial results:) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 550.44 574.81 Td ( ?018 was ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 566.30 Td (another str) Tj ET Q q 0 0 0 rg BT 345.23 566.30 Td (ong year for JPMor) Tj ET Q q 0 0 0 rg BT 412.67 566.30 Td (gan Chase, with the Firm generating r) Tj ET Q q 0 0 0 rg BT 543.39 566.30 Td (ecor) Tj ET Q q 0 0 0 rg BT 558.18 566.30 Td (d ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 557.80 Td (r) Tj ET Q q 0 0 0 rg BT 310.99 557.80 Td (evenue and net income, even without the impact of tax r) Tj ET Q q 0 0 0 rg BT 500.22 557.80 Td (eform. Each line of ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 549.30 Td (business gr) Tj ET Q q 0 0 0 rg BT 346.18 549.30 Td (ew r) Tj ET Q q 0 0 0 rg BT 360.74 549.30 Td (evenue and net income for the year) Tj ET Q q 0 0 0 rg BT 479.23 549.30 Td (, while continuing to make ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 540.80 Td (significant investments in pr) Tj ET Q q 0 0 0 rg BT 403.78 540.80 Td (oducts, people and technology) Tj ET Q q 0 0 0 rg BT 506.70 540.80 Td (, demonstrating the ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 532.30 Td (power of the platform. W) Tj ET Q q 0 0 0 rg BT 392.45 532.30 Td (e gr) Tj ET Q q 0 0 0 rg BT 405.60 532.30 Td (ew cor) Tj ET Q q 0 0 0 rg BT 428.18 532.30 Td (e loans 7%, in-line with our expectations, ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 523.80 Td (while maintaining cr) Tj ET Q q 0 0 0 rg BT 378.52 523.80 Td (edit discipline and a fortr) Tj ET Q q 0 0 0 rg BT 465.09 523.80 Td (ess balance sheet with significant ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 515.30 Td (capital and liquidity) Tj ET Q q 0 0 0 rg BT 376.47 515.30 Td (.? ) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 308.00 506.81 Td ( ) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 308.00 498.31 Td (Dimon added:) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 356.40 498.31 Td ( Our customer) Tj ET Q q 0 0 0 rg BT 410.06 498.31 Td (-centric business model has benefited fr) Tj ET Q q 0 0 0 rg BT 545.02 498.31 Td (om a healthy ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 489.80 Td (and engaged U.S. consumer that is spending, saving and investing. W) Tj ET Q q 0 0 0 rg BT 544.25 489.80 Td (e continue to ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 481.30 Td (outpace the industry in consumer deposit gr) Tj ET Q q 0 0 0 rg BT 457.37 481.30 Td (owth, albeit slower) Tj ET Q q 0 0 0 rg BT 521.36 481.30 Td (, and client ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 472.80 Td (investment assets incr) Tj ET Q q 0 0 0 rg BT 382.29 472.80 Td (eased for the year on r) Tj ET Q q 0 0 0 rg BT 459.17 472.80 Td (ecor) Tj ET Q q 0 0 0 rg BT 473.96 472.80 Td (d net new money flows. Cr) Tj ET Q q 0 0 0 rg BT 563.83 472.80 Td (edit ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 464.30 Td (and debit sales volume, as well as mer) Tj ET Q q 0 0 0 rg BT 438.48 464.30 Td (chant pr) Tj ET Q q 0 0 0 rg BT 466.73 464.30 Td (ocessing volume, wer) Tj ET Q q 0 0 0 rg BT 539.36 464.30 Td (e all up ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 455.80 Td (double digits. Despite a challenging quarter) Tj ET Q q 0 0 0 rg BT 457.68 455.80 Td (, we gr) Tj ET Q q 0 0 0 rg BT 480.74 455.80 Td (ew Markets r) Tj ET Q q 0 0 0 rg BT 525.28 455.80 Td (evenue in the ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 447.30 Td (Investment Bank for the year with r) Tj ET Q q 0 0 0 rg BT 428.08 447.30 Td (ecor) Tj ET Q q 0 0 0 rg BT 442.87 447.30 Td (d performance in Equities and solid ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 438.80 Td (performance in Fixed Income. Investment Banking fees wer) Tj ET Q q 0 0 0 rg BT 510.21 438.80 Td (e a r) Tj ET Q q 0 0 0 rg BT 525.48 438.80 Td (ecor) Tj ET Q q 0 0 0 rg BT 540.26 438.80 Td (d for the year) Tj ET Q q 0 0 0 rg BT 585.36 438.80 Td (, ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 430.30 Td (driven by str) Tj ET Q q 0 0 0 rg BT 350.65 430.30 Td (ength in both CIB and Commer) Tj ET Q q 0 0 0 rg BT 457.29 430.30 Td (cial Banking. ) Tj ET Q q 0 0 0 rg BT 504.58 430.30 Td (Asset & W) Tj ET Q q 0 0 0 rg BT 539.69 430.30 Td (ealth ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 421.80 Td (Management deliver) Tj ET Q q 0 0 0 rg BT 377.79 421.80 Td (ed str) Tj ET Q q 0 0 0 rg BT 396.60 421.80 Td (ong banking r) Tj ET Q q 0 0 0 rg BT 443.98 421.80 Td (esults and continued its string of annual ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 413.30 Td (net long-term inflows, even as volatility and lower market levels impacted fourth ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 404.80 Td (quarter r) Tj ET Q q 0 0 0 rg BT 338.62 404.80 Td (esults.? ) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 308.00 396.31 Td ( ) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 308.00 387.81 Td (Dimon concluded:) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 371.03 387.81 Td ( In 2018 we accelerated investments in pr) Tj ET Q q 0 0 0 rg BT 517.32 387.81 Td (oducts, services and ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 379.30 Td (technology to help our employees, customers and communities. In the fourth ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 370.80 Td (quarter we opened Chase branches in new states for the first time in nearly a ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 362.30 Td (decade. While it is early days, wer) Tj ET Q q 0 0 0 rg BT 427.60 362.30 Td (e seeing terrific r) Tj ET Q q 0 0 0 rg BT 486.07 362.30 Td (esults so far ?and this is only ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 353.80 Td (the start as we continue to open branches in several new markets in the months ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 345.30 Td (and years to come. Our ) Tj ET Q q 0 0 0 rg BT 390.00 345.30 Td (AdvancingCities initiative is supporting job and wage ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 336.80 Td (gr) Tj ET Q q 0 0 0 rg BT 315.24 336.80 Td (owth in communities that need capital the most. W) Tj ET Q q 0 0 0 rg BT 486.10 336.80 Td (e extended cr) Tj ET Q q 0 0 0 rg BT 531.09 336.80 Td (edit and raised ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 328.30 Td (capital of $2.5 trillion for U.S. consumers, businesses and institutional clients. ) Tj ET Q q 0 0 0 rg BT 577.02 328.30 Td (As ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 319.80 Td (we head into 2019, we ur) Tj ET Q q 0 0 0 rg BT 393.62 319.80 Td (ge our country? Tj ET Q q 0 0 0 rg BT 445.41 319.80 Td (s leaders to strike a collaborative, ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 311.30 Td (constructive tone, which would r) Tj ET Q q 0 0 0 rg BT 418.88 311.30 Td (einfor) Tj ET Q q 0 0 0 rg BT 438.87 311.30 Td (ce alr) Tj ET Q q 0 0 0 rg BT 458.15 311.30 Td (eady-str) Tj ET Q q 0 0 0 rg BT 485.69 311.30 Td (ong consumer and business ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 302.80 Td (sentiment. Businesses, government and communities need to work together to ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 294.30 Td (solve pr) Tj ET Q q 0 0 0 rg BT 334.83 294.30 Td (oblems and help str) Tj ET Q q 0 0 0 rg BT 401.34 294.30 Td (engthen the economy for the benefit of everyone.? 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 17.5 267.65 m 17.5 262.65 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 267.65 m 593.5 262.65 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 267.65 m 593.5 267.65 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 262.65 m 593.5 262.65 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 244.75 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 244.75 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 227.10 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 228.95 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 228.95 Td (Book value per share of $70.35, up 5%; tangible 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 281.43 233.03 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.82 228.95 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 218.15 Td ($56.33, up 5%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 200.50 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 202.35 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 202.35 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 202.35 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 202.35 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 169.47 206.43 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.86 202.35 Td (of $184 billion and ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 261.35 206.43 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.27 202.35 Td ( of 12.0% ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 184.70 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 186.55 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 186.55 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 190.63 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 186.55 Td ( of 6.4%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 168.15 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 168.15 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 150.50 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 152.35 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 152.35 Td (4Q18 reported expense of $15.7 billion; reported overhead ratio of 60%; ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 141.55 Td (managed overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 116.46 145.63 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 120.85 141.55 Td (of 59%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 124.75 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 45.33 124.75 Td (AL) Tj ET Q q 0 0 0 rg BT 57.34 124.75 Td ( DISTRIBUTED) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 107.10 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 108.95 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 108.95 Td ($8.3 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 71.50 113.03 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.43 108.95 Td ( distributed to shareholders in 4Q18) Tj ET Q /GS0 gs q 9.00 0 0 9.78 18.00 91.30 cm /I19 Do Q /GS0 gs q 6.72 0 0 9.78 27.00 91.30 cm /I20 Do Q /GS0 gs q 9.00 0 0 9.78 33.72 91.30 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.72 93.15 Td ($5.7 billion of net repurchases and common dividend of $0.80 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 244.75 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 244.75 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 227.10 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 228.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 228.95 Td ($2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.75 228.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 228.95 Td (trillion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 228.95 Td ( of credit and capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 436.46 233.03 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.39 228.95 Td ( raised in 2018) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 211.30 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 213.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 213.15 Td ($227 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 213.15 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 194.50 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 196.35 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 196.35 Td ($24 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 196.35 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 177.70 cm /I25 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 179.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 179.55 Td ($937 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 179.55 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 160.90 cm /I26 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 162.75 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 162.75 Td ($1.3 trillion ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 162.75 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 328.50 151.95 Td (government entities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 133.30 cm /I27 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 135.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 135.15 Td ($57 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 135.15 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 328.50 124.35 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 /I28 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 ) Tj ET Q q 0 0 0 rg BT 61.33 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.05 742.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 122.22 742.10 Td (below ) Tj ET Q q 0 0 0 rg BT 149.60 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.88 742.10 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 203.27 742.10 Td (r) Tj ET Q q 0 0 0 rg BT 206.79 742.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 233.07 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.35 742.10 Td (JPMor) Tj ET Q q 0 0 0 rg BT 271.74 742.10 Td (gan ) Tj ET Q q 0 0 0 rg BT 290.24 742.10 Td (Chase ) Tj ET Q q 0 0 0 rg BT 318.74 742.10 Td (& ) Tj ET Q q 0 0 0 rg BT 330.02 742.10 Td (Co. ) Tj ET Q q 0 0 0 rg BT 347.69 742.10 Td (\(JPMor) Tj ET Q q 0 0 0 rg BT 383.98 742.10 Td (gan ) Tj ET Q q 0 0 0 rg BT 402.48 742.10 Td (Chase?) Tj ET Q q 0 0 0 rg BT 436.54 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 448.93 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.65 742.10 Td (Firm\), ) Tj ET Q q 0 0 0 rg BT 505.10 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 555.83 742.10 Td (is ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (pr) Tj ET Q q 0 0 0 rg BT 58.02 730.10 Td (esented ) Tj ET Q q 0 0 0 rg BT 90.59 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 103.17 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 110.75 730.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 149.99 730.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 175.64 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 202.11 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 211.36 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 218.94 730.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 262.64 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 265.22 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 303.35 730.10 Td (measur) Tj ET Q q 0 0 0 rg BT 332.42 730.10 Td (e, ) Tj ET Q q 0 0 0 rg BT 341.95 730.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 369.53 730.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 411.00 730.10 Td (specified. ) Tj ET Q q 0 0 0 rg BT 451.62 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 469.20 730.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 513.45 730.10 Td (below ) Tj ET Q q 0 0 0 rg BT 539.92 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 550.28 730.10 Td (the ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 71.54 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 78.75 718.10 Td (business ) Tj ET Q q 0 0 0 rg BT 115.95 718.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 155.93 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 165.91 718.10 Td (also ) Tj ET Q q 0 0 0 rg BT 185.90 718.10 Td (pr) Tj ET Q q 0 0 0 rg BT 194.42 718.10 Td (esented ) Tj ET Q q 0 0 0 rg BT 227.72 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 241.03 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 249.35 718.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 289.32 718.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 315.70 718.10 Td (For ) Tj ET Q q 0 0 0 rg BT 334.01 718.10 Td (mor) Tj ET Q q 0 0 0 rg BT 349.75 718.10 Td (e ) Tj ET Q q 0 0 0 rg BT 357.51 718.10 Td (information ) Tj ET Q q 0 0 0 rg BT 408.05 718.10 Td (about ) Tj ET Q q 0 0 0 rg BT 434.14 718.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 474.11 718.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 500.49 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.80 718.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 562.50 718.10 Td ( ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.97 706.10 Td (measur) Tj ET Q q 0 0 0 rg BT 116.04 706.10 Td (es ) Tj ET Q q 0 0 0 rg BT 126.29 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.21 706.10 Td (key ) Tj ET Q q 0 0 0 rg BT 158.44 706.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 211.46 706.10 Td (measur) Tj ET Q q 0 0 0 rg BT 240.53 706.10 Td (es ) Tj ET Q q 0 0 0 rg BT 250.78 706.10 Td (used ) Tj ET Q q 0 0 0 rg BT 271.03 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 282.38 706.10 Td (management ) Tj ET Q q 0 0 0 rg BT 335.40 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.10 706.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 380.89 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.02 706.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 448.04 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.73 706.10 Td (each ) Tj ET Q q 0 0 0 rg BT 478.53 706.10 Td (line ) Tj ET Q q 0 0 0 rg BT 495.44 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.14 706.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 543.45 706.10 Td (r) Tj ET Q q 0 0 0 rg BT 546.97 706.10 Td (efer ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.78 694.10 Td (page ) Tj ET Q q 0 0 0 rg BT 81.72 694.10 Td (6.) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 676.10 Td (Comparisons ) Tj ET Q q 0 0 0 rg BT 105.13 676.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 129.62 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 139.68 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.18 676.10 Td (sections ) Tj ET Q q 0 0 0 rg BT 188.67 676.10 Td (below ) Tj ET Q q 0 0 0 rg BT 214.84 676.10 Td (ar) Tj ET Q q 0 0 0 rg BT 223.36 676.10 Td (e ) Tj ET Q q 0 0 0 rg BT 230.08 676.10 Td (for ) Tj ET Q q 0 0 0 rg BT 244.03 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.53 676.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 285.26 676.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 317.54 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.60 676.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 349.88 676.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 377.71 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.21 676.10 Td (prior) Tj ET Q q 0 0 0 rg BT 412.57 676.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 435.95 676.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 462.67 676.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 491.57 676.10 Td (, ) Tj ET Q q 0 0 0 rg BT 496.35 676.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 523.63 676.10 Td (otherwise ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 664.10 Td (specified.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 653.60 511.00 -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 52.50 645.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 638.50 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 49.50 622.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.45 622.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.62 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 113.13 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 120.09 622.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 155.92 622.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 178.43 622.10 Td (was ) Tj ET Q q 0 0 0 rg BT 196.50 622.10 Td ($26.1 ) Tj ET Q q 0 0 0 rg BT 221.52 622.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 252.65 622.10 Td ($27.3 ) Tj ET Q q 0 0 0 rg BT 277.66 622.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 308.79 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 325.75 622.10 Td ($24.5 ) Tj ET Q q 0 0 0 rg BT 350.76 622.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 379.39 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 393.57 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.30 622.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 435.26 622.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 466.09 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.94 622.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 501.95 622.10 Td (third ) Tj ET Q q 0 0 0 rg BT 523.35 622.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 554.19 622.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 74.50 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 91.44 610.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 118.38 610.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 149.19 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.02 610.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 185.02 610.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 232.68 610.10 Td (.) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 599.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 599.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 599.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 599.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 599.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 599.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 599.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 599.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 599.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 599.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 583.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 583.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 583.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 583.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 583.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 583.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 583.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 583.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 583.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 583.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 583.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 583.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 519.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 519.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 519.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 519.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 519.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 519.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 519.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 519.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 519.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 519.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 519.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 519.60 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 378 583.6 m 423 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 583.6 m 468 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 583.6 m 472 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 583.6 m 517 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 583.6 m 562 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 567.6 m 213 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 583.6 m 264 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 567.6 m 264 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 583.6 m 268 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 567.6 m 268 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 583.6 m 319 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 567.6 m 319 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 583.6 m 323 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 567.6 m 323 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 583.6 m 374 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 567.6 m 374 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 583.6 m 378 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 567.6 m 378 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 583.6 m 423 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 567.6 m 423 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 567.6 m 468 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 567.6 m 472 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 567.6 m 517 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 567.6 m 562 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 519.6 m 264 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 519.6 m 319 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 519.6 m 374 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 519.6 m 468 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 519.6 m 562 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 519.6 m 213 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 503.6 m 213 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 519.6 m 264 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 503.6 m 264 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 519.6 m 268 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 503.6 m 268 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 519.6 m 319 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 503.6 m 319 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 519.6 m 323 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 503.6 m 323 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 519.6 m 374 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 503.6 m 374 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 519.6 m 378 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 503.6 m 378 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 519.6 m 423 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 503.6 m 423 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 519.6 m 468 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 503.6 m 468 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 519.6 m 472 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 503.6 m 472 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 519.6 m 517 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 503.6 m 517 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 519.6 m 562 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 503.6 m 562 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 487.6 m 213 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 503.6 m 264 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 487.6 m 264 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 487.6 m 268 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 503.6 m 319 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 487.6 m 319 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 503.6 m 323 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 487.6 m 323 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 503.6 m 374 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 487.6 m 374 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 487.6 m 378 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 487.6 m 423 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 503.6 m 468 503.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 487.6 m 468 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 487.6 m 472 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 487.6 m 517 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 503.6 m 562 503.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 487.6 m 562 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 471.6 m 213 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 487.6 m 264 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 471.6 m 264 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 487.6 m 268 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 471.6 m 268 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 487.6 m 319 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 471.6 m 319 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 487.6 m 323 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 471.6 m 323 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 487.6 m 374 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 471.6 m 374 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 471.6 m 378 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 471.6 m 423 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 471.6 m 468 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 471.6 m 472 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 471.6 m 517 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 471.6 m 562 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 455.6 m 213 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 471.6 m 264 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 455.6 m 264 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 455.6 m 268 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 471.6 m 319 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 455.6 m 319 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 455.6 m 323 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 471.6 m 374 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 455.6 m 374 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 455.6 m 378 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 455.6 m 423 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 455.6 m 468 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 455.6 m 472 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 455.6 m 517 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 455.6 m 562 455.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 588.27 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 588.27 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 572.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 572.27 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 572.27 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 572.27 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 572.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 572.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 572.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 572.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 558.17 Td (Net revenue - managed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 556.27 Td (26,804) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 556.27 Td (27,822) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 556.27 Td (25,754) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 556.32 Td (\(1,018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 556.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 556.27 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 556.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 556.27 Td (1,050) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 556.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 556.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 542.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 540.27 Td (15,720) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 540.27 Td (15,623) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 540.27 Td (14,895) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 540.27 Td (97) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 540.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 540.27 Td (825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 540.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 526.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 524.27 Td (1,548) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 524.27 Td (948) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 524.27 Td (1,308) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 524.27 Td (600) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 524.27 Td (63) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 524.27 Td (240) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 524.27 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 510.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 508.27 Td (7,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 508.27 Td (8,380) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 508.27 Td (4,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 508.32 Td (\(1,314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 508.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 508.27 Td (\(16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 508.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 508.27 Td (2,834) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 508.27 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 508.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 494.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 492.27 Td (1.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 492.27 Td (2.34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 492.27 Td (1.07) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 492.32 Td (\(0.36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 492.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 492.27 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 492.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 492.27 Td (0.91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 492.27 Td (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 492.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 478.17 Td (Return on common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 476.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 476.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 476.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 476.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 476.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 476.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 462.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 460.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 460.27 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 460.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 438.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 420.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.39 420.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.28 420.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.28 420.10 Td ($7.1 ) Tj ET Q q 0 0 0 rg BT 136.24 420.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.31 420.10 Td (an ) Tj ET Q q 0 0 0 rg BT 179.20 420.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.40 420.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.19 420.10 Td (67%. ) Tj ET Q q 0 0 0 rg BT 248.29 420.10 Td (The ) Tj ET Q q 0 0 0 rg BT 266.30 420.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 288.19 420.10 Td (year ) Tj ET Q q 0 0 0 rg BT 307.85 420.10 Td (included ) Tj ET Q q 0 0 0 rg BT 344.74 420.10 Td (a ) Tj ET Q q 0 0 0 rg BT 351.63 420.10 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 371.58 420.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 400.15 420.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 440.37 420.10 Td (to ) Tj ET Q q 0 0 0 rg BT 450.60 420.10 Td (net ) Tj ET Q q 0 0 0 rg BT 465.27 420.10 Td (income ) Tj ET Q q 0 0 0 rg BT 497.15 420.10 Td (as ) Tj ET Q q 0 0 0 rg BT 507.94 420.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.83 420.10 Td (result ) Tj ET Q q 0 0 0 rg BT 539.50 420.10 Td (of ) Tj ET Q q 0 0 0 rg BT 550.28 420.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 408.10 Td (enactment ) Tj ET Q q 0 0 0 rg BT 93.09 408.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.92 408.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.46 408.10 Td (T) Tj ET Q q 0 0 0 rg BT 123.87 408.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 135.80 408.10 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 156.64 408.10 Td (& ) Tj ET Q q 0 0 0 rg BT 166.92 408.10 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 186.65 408.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 203.59 408.10 Td (\(TCJA\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.34 390.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.40 390.10 Td (was ) Tj ET Q q 0 0 0 rg BT 118.35 390.10 Td ($26.8 ) Tj ET Q q 0 0 0 rg BT 143.26 390.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 174.28 390.10 Td (up ) Tj ET Q q 0 0 0 rg BT 186.69 390.10 Td (4%. ) Tj ET Q q 0 0 0 rg BT 204.92 390.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 221.77 390.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 253.61 390.10 Td (income ) Tj ET Q q 0 0 0 rg BT 285.45 390.10 Td (was ) Tj ET Q q 0 0 0 rg BT 303.41 390.10 Td ($14.5 ) Tj ET Q q 0 0 0 rg BT 328.31 390.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 359.33 390.10 Td (up ) Tj ET Q q 0 0 0 rg BT 371.74 390.10 Td (9%, ) Tj ET Q q 0 0 0 rg BT 389.97 390.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 417.93 390.10 Td (by ) Tj ET Q q 0 0 0 rg BT 430.33 390.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.96 390.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 474.57 390.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.31 390.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 513.26 390.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 534.55 390.10 Td (as ) Tj ET Q q 0 0 0 rg BT 545.28 390.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.50 378.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 80.39 378.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 113.90 378.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 149.89 378.10 Td (of) Tj ET Q q 0 0 0 rg BT 158.04 378.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 175.15 378.10 Td (by ) Tj ET Q q 0 0 0 rg BT 187.83 378.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 213.27 378.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 248.71 378.10 Td (net ) Tj ET Q q 0 0 0 rg BT 263.60 378.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 295.71 378.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 330.31 378.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 379.64 378.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 413.96 378.10 Td (was ) Tj ET Q q 0 0 0 rg BT 432.19 378.10 Td ($12.3 ) Tj ET Q q 0 0 0 rg BT 457.36 378.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 488.65 378.10 Td (down ) Tj ET Q q 0 0 0 rg BT 513.54 378.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 532.04 378.10 Td (with ) Tj ET Q q 0 0 0 rg BT 552.50 378.10 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.10 Td (notable ) Tj ET Q q 0 0 0 rg BT 81.43 366.10 Td (drivers ) Tj ET Q q 0 0 0 rg BT 111.70 366.10 Td (on ) Tj ET Q q 0 0 0 rg BT 124.20 366.10 Td (a ) Tj ET Q q 0 0 0 rg BT 131.14 366.10 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 172.53 366.10 Td (basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 100.13 348.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 136.30 348.10 Td (was ) Tj ET Q q 0 0 0 rg BT 155.83 348.10 Td ($15.7 ) Tj ET Q q 0 0 0 rg BT 182.30 348.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 214.88 348.10 Td (up ) Tj ET Q q 0 0 0 rg BT 228.85 348.10 Td (6%, ) Tj ET Q q 0 0 0 rg BT 248.65 348.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 310.94 348.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 340.46 348.10 Td (by ) Tj ET Q q 0 0 0 rg BT 354.43 348.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 406.18 348.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.92 348.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.11 348.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 474.47 348.10 Td (including ) Tj ET Q q 0 0 0 rg BT 516.22 348.10 Td (technology) Tj ET Q q 0 0 0 rg BT 560.00 348.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.10 Td (marketing, ) Tj ET Q q 0 0 0 rg BT 95.55 336.10 Td (real ) Tj ET Q q 0 0 0 rg BT 113.55 336.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 139.32 336.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.77 336.10 Td (front ) Tj ET Q q 0 0 0 rg BT 179.21 336.10 Td (of) Tj ET Q q 0 0 0 rg BT 187.36 336.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 205.36 336.10 Td (hires, ) Tj ET Q q 0 0 0 rg BT 230.31 336.10 Td (as ) Tj ET Q q 0 0 0 rg BT 241.65 336.10 Td (well ) Tj ET Q q 0 0 0 rg BT 261.87 336.10 Td (as ) Tj ET Q q 0 0 0 rg BT 273.21 336.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 293.44 336.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 316.43 336.10 Td (depreciation, ) Tj ET Q q 0 0 0 rg BT 371.36 336.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 407.69 336.10 Td (of) Tj ET Q q 0 0 0 rg BT 415.84 336.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 433.29 336.10 Td (by ) Tj ET Q q 0 0 0 rg BT 446.30 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.52 336.10 Td (absence ) Tj ET Q q 0 0 0 rg BT 496.18 336.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.52 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.74 336.10 Td (prior) Tj ET Q q 0 0 0 rg BT 541.98 336.10 Td (-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 324.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 74.78 324.10 Td (surchar) Tj ET Q q 0 0 0 rg BT 104.03 324.10 Td (ge. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.10 306.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 106.94 306.10 Td (for ) Tj ET Q q 0 0 0 rg BT 120.66 306.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.48 306.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.43 306.10 Td (was ) Tj ET Q q 0 0 0 rg BT 189.04 306.10 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 208.59 306.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 239.26 306.10 Td (an ) Tj ET Q q 0 0 0 rg BT 250.76 306.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 285.57 306.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.96 306.10 Td ($240 ) Tj ET Q q 0 0 0 rg BT 318.01 306.10 Td (million ) Tj ET Q q 0 0 0 rg BT 348.96 306.10 Td (from ) Tj ET Q q 0 0 0 rg BT 370.46 306.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.73 306.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 406.23 306.10 Td (year) Tj ET Q q 0 0 0 rg BT 422.88 306.10 Td (. ) Tj ET Q q 0 0 0 rg BT 427.29 306.10 Td (The ) Tj ET Q q 0 0 0 rg BT 444.90 306.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 479.71 306.10 Td (was ) Tj ET Q q 0 0 0 rg BT 497.31 306.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 524.92 306.10 Td (by ) Tj ET Q q 0 0 0 rg BT 536.98 306.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.10 Td (net ) Tj ET Q q 0 0 0 rg BT 64.58 294.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 96.32 294.10 Td (builds ) Tj ET Q q 0 0 0 rg BT 123.64 294.10 Td (in ) Tj ET Q q 0 0 0 rg BT 134.28 294.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.37 294.10 Td (current ) Tj ET Q q 0 0 0 rg BT 180.55 294.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 211.73 294.10 Td (in ) Tj ET Q q 0 0 0 rg BT 222.38 294.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.46 294.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 281.44 294.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.54 294.10 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 343.61 294.10 Td (portfolios. ) Tj ET Q q 0 0 0 rg BT 387.65 294.10 Td (The ) Tj ET Q q 0 0 0 rg BT 406.07 294.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 450.04 294.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 481.78 294.10 Td (build ) Tj ET Q q 0 0 0 rg BT 505.20 294.10 Td (included ) Tj ET Q q 0 0 0 rg BT 542.50 294.10 Td ($150 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.10 Td (million ) Tj ET Q q 0 0 0 rg BT 81.43 282.10 Td (in ) Tj ET Q q 0 0 0 rg BT 92.24 282.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.49 282.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 129.96 282.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 167.99 282.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 196.58 282.10 Td (by ) Tj ET Q q 0 0 0 rg BT 209.61 282.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 229.86 282.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 263.51 282.10 Td (The ) Tj ET Q q 0 0 0 rg BT 281.87 282.10 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 327.11 282.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 359.01 282.10 Td (build ) Tj ET Q q 0 0 0 rg BT 382.60 282.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.96 282.10 Td ($161 ) Tj ET Q q 0 0 0 rg BT 417.00 282.10 Td (million ) Tj ET Q q 0 0 0 rg BT 448.92 282.10 Td (was ) Tj ET Q q 0 0 0 rg BT 467.51 282.10 Td (lar) Tj ET Q q 0 0 0 rg BT 477.88 282.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 498.13 282.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 526.71 282.10 Td (by ) Tj ET Q q 0 0 0 rg BT 539.75 282.10 Td (select ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 101.43 270.10 Td (& ) Tj ET Q q 0 0 0 rg BT 111.71 270.10 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 152.53 270.10 Td (\(C&I\) ) Tj ET Q q 0 0 0 rg BT 179.47 270.10 Td (downgrades. ) Tj ET Q q 0 0 0 rg BT 232.79 270.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 249.73 270.10 Td (char) Tj ET Q q 0 0 0 rg BT 266.76 270.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 287.67 270.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 297.40 270.10 Td (were ) Tj ET Q q 0 0 0 rg BT 319.32 270.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 379.58 270.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 395.41 270.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.69 270.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.40 270.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 442.34 270.10 Td (year) Tj ET Q q 0 0 0 rg BT 459.00 270.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 252.10 Td ( ) 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 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 746.50 511.00 -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 52.50 738.85 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 731.40 Td (CONSUMER & COMMUNITY) Tj ET Q q 1 1 1 rg BT 203.64 731.40 Td ( BANKING \(CCB\)) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 716.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 701.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 422.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 516.50 701.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 49.50 596.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 230.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 275.50 596.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 279.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 324.50 596.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 328.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 373.50 596.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 377.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 422.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 467.50 596.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 471.50 596.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 516.50 596.50 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 377.5 701.5 m 422.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 701.5 m 467.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 701.5 m 471.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 701.5 m 516.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 701.5 m 561.5 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 686.5 m 230.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 686.5 m 275.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 686.5 m 279.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 686.5 m 324.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 686.5 m 328.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 686.5 m 373.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 686.5 m 377.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 686.5 m 422.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 686.5 m 467.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 686.5 m 471.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 686.5 m 516.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 686.5 m 275.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 686.5 m 324.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 686.5 m 373.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 686.5 m 467.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 686.5 m 471.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 686.5 m 516.5 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 686.5 m 561.5 686.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 596.5 m 275.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 596.5 m 324.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 596.5 m 373.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 596.5 m 467.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 596.5 m 561.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 596.5 m 230.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 581.5 m 230.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 596.5 m 275.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 581.5 m 275.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 596.5 m 279.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 581.5 m 279.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 596.5 m 324.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 581.5 m 324.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 596.5 m 328.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 581.5 m 328.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 596.5 m 373.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 581.5 m 373.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 596.5 m 377.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 581.5 m 377.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 596.5 m 422.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 581.5 m 422.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 596.5 m 467.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 581.5 m 467.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 596.5 m 471.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 581.5 m 471.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 596.5 m 516.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 581.5 m 516.5 581.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 596.5 m 561.5 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 581.5 m 561.5 581.5 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 52.00 706.17 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.85 706.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.85 706.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 691.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.35 691.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.35 691.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.35 691.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.10 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 677.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 676.17 Td (13,695) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.10 676.17 Td (13,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.10 676.17 Td (12,070) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 676.17 Td (405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 676.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.15 676.17 Td (1,625) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 676.17 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 662.07 Td (Consumer & Business Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 661.17 Td (6,567) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 661.17 Td (6,385) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 661.17 Td (5,557) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 661.17 Td (182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 661.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.15 661.17 Td (1,010) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 661.17 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 647.07 Td (Home Lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 646.17 Td (1,322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 646.17 Td (1,306) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 646.17 Td (1,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 646.17 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 646.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 646.22 Td (\(120) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 646.22 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 632.07 Td (Card, Merchant Services & ) Tj ET Q q 0 0 0 rg BT 169.36 632.07 Td (Auto) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 631.17 Td (5,806) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 631.17 Td (5,599) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 631.17 Td (5,071) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 631.17 Td (207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 631.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 631.17 Td (735) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 631.17 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 617.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 616.17 Td (7,065) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 616.17 Td (6,982) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 616.17 Td (6,672) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 616.17 Td (83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 616.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 616.17 Td (393) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 616.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 602.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 601.17 Td (1,348) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.65 601.17 Td (980) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 601.17 Td (1,231) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 601.17 Td (368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.30 601.17 Td (38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 601.17 Td (1) Tj ET Q q 0 0 0 rg BT 502.65 601.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 601.17 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 587.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 586.17 Td (4,028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 586.17 Td (4,086) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 586.17 Td (2,631) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 586.22 Td (\(58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 586.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 586.17 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 586.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.15 586.17 Td (1,397) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 586.17 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 586.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 564.00 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 564.00 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 564.00 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 546.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 546.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 546.00 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 136.42 546.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 546.00 Td (an ) Tj ET Q q 0 0 0 rg BT 179.48 546.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.73 546.00 Td (of ) Tj ET Q q 0 0 0 rg BT 225.56 546.00 Td (53%. ) Tj ET Q q 0 0 0 rg BT 248.89 546.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 265.83 546.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 299.97 546.00 Td (was ) Tj ET Q q 0 0 0 rg BT 318.03 546.00 Td ($13.7 ) Tj ET Q q 0 0 0 rg BT 343.03 546.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 374.14 546.00 Td (an ) Tj ET Q q 0 0 0 rg BT 386.08 546.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 421.33 546.00 Td (of ) Tj ET Q q 0 0 0 rg BT 432.16 546.00 Td (13%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 528.00 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.51 528.00 Td (& ) Tj ET Q q 0 0 0 rg BT 104.18 528.00 Td (Business ) Tj ET Q q 0 0 0 rg BT 142.64 528.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 179.42 528.00 Td (net ) Tj ET Q q 0 0 0 rg BT 194.54 528.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 229.08 528.00 Td (was ) Tj ET Q q 0 0 0 rg BT 247.53 528.00 Td ($6.6 ) Tj ET Q q 0 0 0 rg BT 267.92 528.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 299.44 528.00 Td (up ) Tj ET Q q 0 0 0 rg BT 312.33 528.00 Td (18%, ) Tj ET Q q 0 0 0 rg BT 336.06 528.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 397.28 528.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 425.72 528.00 Td (by ) Tj ET Q q 0 0 0 rg BT 438.62 528.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 467.06 528.00 Td (net ) Tj ET Q q 0 0 0 rg BT 482.17 528.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 514.51 528.00 Td (income ) Tj ET Q q 0 0 0 rg BT 546.84 528.00 Td (as ) Tj ET Q q 0 0 0 rg BT 558.06 528.00 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 516.00 Td (result ) Tj ET Q q 0 0 0 rg BT 74.65 516.00 Td (of ) Tj ET Q q 0 0 0 rg BT 85.91 516.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 114.39 516.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 146.21 516.00 Td (mar) Tj ET Q q 0 0 0 rg BT 161.58 516.00 Td (gins ) Tj ET Q q 0 0 0 rg BT 181.18 516.00 Td (and ) Tj ET Q q 0 0 0 rg BT 198.55 516.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 232.01 516.00 Td (growth. ) Tj ET Q q 0 0 0 rg BT 265.77 516.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 293.15 516.00 Td (Lending ) Tj ET Q q 0 0 0 rg BT 329.40 516.00 Td (net ) Tj ET Q q 0 0 0 rg BT 344.55 516.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 379.13 516.00 Td (was ) Tj ET Q q 0 0 0 rg BT 397.61 516.00 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 418.04 516.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 449.59 516.00 Td (down ) Tj ET Q q 0 0 0 rg BT 474.74 516.00 Td (8%, ) Tj ET Q q 0 0 0 rg BT 493.51 516.00 Td (lar) Tj ET Q q 0 0 0 rg BT 503.87 516.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 524.02 516.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 552.50 516.00 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 504.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 74.63 504.00 Td (net ) Tj ET Q q 0 0 0 rg BT 89.20 504.00 Td (production ) Tj ET Q q 0 0 0 rg BT 134.89 504.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 168.89 504.00 Td (on ) Tj ET Q q 0 0 0 rg BT 181.25 504.00 Td (mar) Tj ET Q q 0 0 0 rg BT 196.61 504.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 211.75 504.00 Td (compression ) Tj ET Q q 0 0 0 rg BT 264.66 504.00 Td (and ) Tj ET Q q 0 0 0 rg BT 281.45 504.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 306.58 504.00 Td (volumes. ) Tj ET Q q 0 0 0 rg BT 345.33 504.00 Td (Card, ) Tj ET Q q 0 0 0 rg BT 369.62 504.00 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 410.30 504.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 446.53 504.00 Td (& ) Tj ET Q q 0 0 0 rg BT 456.15 504.00 Td (Auto ) Tj ET Q q 0 0 0 rg BT 478.51 504.00 Td (net ) Tj ET Q q 0 0 0 rg BT 493.08 504.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 527.08 504.00 Td (was ) Tj ET Q q 0 0 0 rg BT 545.00 504.00 Td ($5.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 492.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 80.47 492.00 Td (up ) Tj ET Q q 0 0 0 rg BT 92.83 492.00 Td (14%, ) Tj ET Q q 0 0 0 rg BT 116.02 492.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 143.93 492.00 Td (by ) Tj ET Q q 0 0 0 rg BT 156.29 492.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 184.20 492.00 Td (Card ) Tj ET Q q 0 0 0 rg BT 205.99 492.00 Td (net ) Tj ET Q q 0 0 0 rg BT 220.57 492.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 252.36 492.00 Td (income ) Tj ET Q q 0 0 0 rg BT 284.16 492.00 Td (on ) Tj ET Q q 0 0 0 rg BT 296.52 492.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 316.09 492.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 346.78 492.00 Td (and ) Tj ET Q q 0 0 0 rg BT 363.58 492.00 Td (mar) Tj ET Q q 0 0 0 rg BT 378.95 492.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 394.09 492.00 Td (expansion, ) Tj ET Q q 0 0 0 rg BT 439.49 492.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 467.40 492.00 Td (auto ) Tj ET Q q 0 0 0 rg BT 486.98 492.00 Td (lease ) Tj ET Q q 0 0 0 rg BT 509.32 492.00 Td (volumes, ) Tj ET Q q 0 0 0 rg BT 548.07 492.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 480.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 74.77 480.00 Td (Card ) Tj ET Q q 0 0 0 rg BT 96.71 480.00 Td (net ) Tj ET Q q 0 0 0 rg BT 111.42 480.00 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 157.81 480.00 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 97.52 462.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 131.09 462.00 Td (was ) Tj ET Q q 0 0 0 rg BT 148.00 462.00 Td ($7.1 ) Tj ET Q q 0 0 0 rg BT 166.86 462.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 196.84 462.00 Td (up ) Tj ET Q q 0 0 0 rg BT 208.20 462.00 Td (6%, ) Tj ET Q q 0 0 0 rg BT 225.39 462.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 252.30 462.00 Td (by ) Tj ET Q q 0 0 0 rg BT 263.67 462.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 312.80 462.00 Td (in ) Tj ET Q q 0 0 0 rg BT 321.94 462.00 Td (technology ) Tj ET Q q 0 0 0 rg BT 367.74 462.00 Td (and ) Tj ET Q q 0 0 0 rg BT 383.54 462.00 Td (marketing, ) Tj ET Q q 0 0 0 rg BT 427.94 462.00 Td (and ) Tj ET Q q 0 0 0 rg BT 443.74 462.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 470.65 462.00 Td (auto ) Tj ET Q q 0 0 0 rg BT 489.23 462.00 Td (lease ) Tj ET Q q 0 0 0 rg BT 510.58 462.00 Td (depreciation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 85.32 450.00 Td (of) Tj ET Q q 0 0 0 rg BT 93.47 450.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 110.41 450.00 Td (by ) Tj ET Q q 0 0 0 rg BT 122.91 450.00 Td (the ) Tj ET Q q 0 0 0 rg BT 137.63 450.00 Td (absence ) Tj ET Q q 0 0 0 rg BT 171.77 450.00 Td (of ) Tj ET Q q 0 0 0 rg BT 182.60 450.00 Td (the ) Tj ET Q q 0 0 0 rg BT 197.32 450.00 Td (prior) Tj ET Q q 0 0 0 rg BT 216.56 450.00 Td (-year ) Tj ET Q q 0 0 0 rg BT 239.59 450.00 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 264.88 450.00 Td (surchar) Tj ET Q q 0 0 0 rg BT 294.12 450.00 Td (ge, ) Tj ET Q q 0 0 0 rg BT 308.56 450.00 Td (and ) Tj ET Q q 0 0 0 rg BT 325.50 450.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 360.21 450.00 Td (ef) Tj ET Q q 0 0 0 rg BT 367.80 450.00 Td (ficiencies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.46 432.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.65 432.00 Td (for ) Tj ET Q q 0 0 0 rg BT 121.72 432.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 146.90 432.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 173.20 432.00 Td (was ) Tj ET Q q 0 0 0 rg BT 191.17 432.00 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 211.08 432.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 242.10 432.00 Td (an ) Tj ET Q q 0 0 0 rg BT 253.95 432.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 289.12 432.00 Td (of ) Tj ET Q q 0 0 0 rg BT 299.86 432.00 Td ($1) Tj ET Q q 0 0 0 rg BT 309.49 432.00 Td (17 ) Tj ET Q q 0 0 0 rg BT 321.90 432.00 Td (million. ) Tj ET Q q 0 0 0 rg BT 355.53 432.00 Td (The ) Tj ET Q q 0 0 0 rg BT 373.49 432.00 Td (current ) Tj ET Q q 0 0 0 rg BT 404.22 432.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 434.95 432.00 Td (included ) Tj ET Q q 0 0 0 rg BT 471.79 432.00 Td (a ) Tj ET Q q 0 0 0 rg BT 478.64 432.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 509.92 432.00 Td (build ) Tj ET Q q 0 0 0 rg BT 532.89 432.00 Td (in ) Tj ET Q q 0 0 0 rg BT 543.08 432.00 Td (Card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 420.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.06 420.00 Td ($150 ) Tj ET Q q 0 0 0 rg BT 82.28 420.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 115.90 420.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 157.55 420.00 Td (with ) Tj ET Q q 0 0 0 rg BT 177.55 420.00 Td (a ) Tj ET Q q 0 0 0 rg BT 184.22 420.00 Td (build ) Tj ET Q q 0 0 0 rg BT 207.00 420.00 Td (of ) Tj ET Q q 0 0 0 rg BT 217.55 420.00 Td ($200 ) Tj ET Q q 0 0 0 rg BT 239.78 420.00 Td (million ) Tj ET Q q 0 0 0 rg BT 270.90 420.00 Td (in ) Tj ET Q q 0 0 0 rg BT 280.90 420.00 Td (the ) Tj ET Q q 0 0 0 rg BT 295.34 420.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 317.01 420.00 Td (year) Tj ET Q q 0 0 0 rg BT 333.81 420.00 Td (, ) Tj ET Q q 0 0 0 rg BT 338.54 420.00 Td (both ) Tj ET Q q 0 0 0 rg BT 358.54 420.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 386.32 420.00 Td (by ) Tj ET Q q 0 0 0 rg BT 398.54 420.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 417.98 420.00 Td (growth. ) Tj ET Q q 0 0 0 rg BT 450.88 420.00 Td (The ) Tj ET Q q 0 0 0 rg BT 468.65 420.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 490.31 420.00 Td (year ) Tj ET Q q 0 0 0 rg BT 509.75 420.00 Td (also ) Tj ET Q q 0 0 0 rg BT 528.08 420.00 Td (included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 408.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 80.55 408.00 Td (releases ) Tj ET Q q 0 0 0 rg BT 114.38 408.00 Td (of ) Tj ET Q q 0 0 0 rg BT 124.90 408.00 Td ($150 ) Tj ET Q q 0 0 0 rg BT 147.08 408.00 Td (million ) Tj ET Q q 0 0 0 rg BT 178.15 408.00 Td (in ) Tj ET Q q 0 0 0 rg BT 188.12 408.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 214.74 408.00 Td (Lending ) Tj ET Q q 0 0 0 rg BT 250.25 408.00 Td (and ) Tj ET Q q 0 0 0 rg BT 266.87 408.00 Td ($35 ) Tj ET Q q 0 0 0 rg BT 284.06 408.00 Td (million ) Tj ET Q q 0 0 0 rg BT 315.13 408.00 Td (in ) Tj ET Q q 0 0 0 rg BT 324.61 408.00 Td (Auto. ) Tj ET Q q 0 0 0 rg BT 349.30 408.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 365.92 408.00 Td (char) Tj ET Q q 0 0 0 rg BT 382.94 408.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 403.86 408.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 413.27 408.00 Td (were ) Tj ET Q q 0 0 0 rg BT 434.88 408.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 459.83 408.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 487.56 408.00 Td (by ) Tj ET Q q 0 0 0 rg BT 499.27 408.00 Td (Auto ) Tj ET Q q 0 0 0 rg BT 521.45 408.00 Td (and ) Tj ET Q q 0 0 0 rg BT 538.07 408.00 Td (Home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 396.00 Td (Lending, ) Tj ET Q q 0 0 0 rg BT 87.83 396.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 148.65 396.00 Td (of) Tj ET Q q 0 0 0 rg BT 156.79 396.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 173.73 396.00 Td (by ) Tj ET Q q 0 0 0 rg BT 186.23 396.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 214.28 396.00 Td (net ) Tj ET Q q 0 0 0 rg BT 229.00 396.00 Td (char) Tj ET Q q 0 0 0 rg BT 246.02 396.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 266.94 396.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 276.66 396.00 Td (in ) Tj ET Q q 0 0 0 rg BT 286.94 396.00 Td (Card, ) Tj ET Q q 0 0 0 rg BT 311.38 396.00 Td (in ) Tj ET Q q 0 0 0 rg BT 321.66 396.00 Td (line ) Tj ET Q q 0 0 0 rg BT 339.15 396.00 Td (with ) Tj ET Q q 0 0 0 rg BT 359.43 396.00 Td (expectations. ) 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 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 746.50 511.00 -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 52.50 738.85 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 731.40 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 731.40 Td (TE & INVESTMENT) Tj ET Q q 1 1 1 rg BT 210.39 731.40 Td ( 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 50.00 716.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 701.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 701.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 611.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 611.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 611.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 611.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 611.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 611.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 611.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 611.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 611.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 611.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 611.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 611.50 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 378 701.5 m 423 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 701.5 m 468 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 701.5 m 472 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 701.5 m 517 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 701.5 m 562 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 686.5 m 231 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 686.5 m 276 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 686.5 m 280 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 686.5 m 325 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 686.5 m 329 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 686.5 m 374 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 686.5 m 378 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 686.5 m 423 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 686.5 m 468 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 686.5 m 472 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 686.5 m 517 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 686.5 m 562 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 686.5 m 276 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 686.5 m 280 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 686.5 m 325 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 686.5 m 329 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 686.5 m 374 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 686.5 m 378 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 686.5 m 423 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 686.5 m 468 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 686.5 m 472 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 686.5 m 517 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 686.5 m 562 686.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 611.5 m 231 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 596.5 m 231 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 611.5 m 276 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 596.5 m 276 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 611.5 m 280 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 596.5 m 280 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 611.5 m 325 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 596.5 m 325 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 611.5 m 329 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 596.5 m 329 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 611.5 m 374 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 596.5 m 374 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 611.5 m 378 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 596.5 m 378 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 611.5 m 423 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 596.5 m 423 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 611.5 m 468 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 596.5 m 468 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 611.5 m 472 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 596.5 m 472 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 611.5 m 517 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 596.5 m 517 596.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 611.5 m 562 611.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 596.5 m 562 596.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 706.17 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 706.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 706.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 691.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 691.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 691.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 691.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 677.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 676.17 Td (7,237) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 676.17 Td (8,805) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 676.17 Td (7,518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 676.22 Td (\(1,568) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 676.17 Td (\(18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 676.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 676.22 Td (\(281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 676.17 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 676.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 662.07 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 661.17 Td (3,281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 661.17 Td (3,245) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 661.17 Td (3,091) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 661.17 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 661.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 661.17 Td (190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 661.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 647.07 Td (Markets & Investor Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 646.17 Td (3,956) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 646.17 Td (5,560) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 646.17 Td (4,427) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 646.22 Td (\(1,604) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 646.17 Td (\(29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 646.22 Td (\(471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 646.17 Td (\(1) Tj ET Q q 0 0 0 rg BT 544.78 646.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 632.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 631.17 Td (4,681) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 631.17 Td (5,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 631.17 Td (4,553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 631.22 Td (\(494) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 631.17 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 631.17 Td (128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 631.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 617.07 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 616.17 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 616.22 Td (\(42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 616.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 616.17 Td (130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 616.17 Td (124) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 616.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 616.22 Td (\(48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 616.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 616.17 Td (\(37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 616.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 602.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 601.17 Td (1,975) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 601.17 Td (2,626) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 601.17 Td (2,316) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 601.22 Td (\(651) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 601.17 Td (\(25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 601.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 601.22 Td (\(341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 601.17 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 601.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 579.00 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 561.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 561.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 561.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 561.00 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 136.42 561.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 561.00 Td (a ) Tj ET Q q 0 0 0 rg BT 174.48 561.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 211.39 561.00 Td (of ) Tj ET Q q 0 0 0 rg BT 222.22 561.00 Td (15%. ) Tj ET Q q 0 0 0 rg BT 245.55 561.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 262.49 561.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 296.63 561.00 Td (was ) Tj ET Q q 0 0 0 rg BT 314.69 561.00 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 334.69 561.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 365.80 561.00 Td (down ) Tj ET Q q 0 0 0 rg BT 390.52 561.00 Td (4%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 84.91 543.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 118.08 543.00 Td (was ) Tj ET Q q 0 0 0 rg BT 135.16 543.00 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 154.18 543.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 184.32 543.00 Td (up ) Tj ET Q q 0 0 0 rg BT 195.85 543.00 Td (6%. ) Tj ET Q q 0 0 0 rg BT 213.20 543.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 259.16 543.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 294.57 543.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 327.74 543.00 Td (was ) Tj ET Q q 0 0 0 rg BT 344.82 543.00 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 363.84 543.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 393.98 543.00 Td (up ) Tj ET Q q 0 0 0 rg BT 405.51 543.00 Td (3%, ) Tj ET Q q 0 0 0 rg BT 422.86 543.00 Td (with ) Tj ET Q q 0 0 0 rg BT 442.17 543.00 Td (overall ) Tj ET Q q 0 0 0 rg BT 471.45 543.00 Td (share ) Tj ET Q q 0 0 0 rg BT 494.08 543.00 Td (gains, ) Tj ET Q q 0 0 0 rg BT 519.21 543.00 Td (reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 76.77 531.00 Td (advisory ) Tj ET Q q 0 0 0 rg BT 112.94 531.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 130.77 531.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 190.81 531.00 Td (of) Tj ET Q q 0 0 0 rg BT 198.96 531.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 215.13 531.00 Td (by ) Tj ET Q q 0 0 0 rg BT 226.86 531.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 251.35 531.00 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 304.74 531.00 Td (fees. ) Tj ET Q q 0 0 0 rg BT 324.94 531.00 Td (T) Tj ET Q q 0 0 0 rg BT 330.69 531.00 Td (reasury ) Tj ET Q q 0 0 0 rg BT 361.85 531.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 397.46 531.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 430.83 531.00 Td (was ) Tj ET Q q 0 0 0 rg BT 448.11 531.00 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 467.33 531.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 497.68 531.00 Td (up ) Tj ET Q q 0 0 0 rg BT 509.40 531.00 Td (13%, ) Tj ET Q q 0 0 0 rg BT 531.96 531.00 Td (driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.00 Td (by ) Tj ET Q q 0 0 0 rg BT 61.68 519.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 92.20 519.00 Td (in ) Tj ET Q q 0 0 0 rg BT 102.16 519.00 Td (operating ) Tj ET Q q 0 0 0 rg BT 142.11 519.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 177.07 519.00 Td (and ) Tj ET Q q 0 0 0 rg BT 193.69 519.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 221.42 519.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 253.04 519.00 Td (rates, ) Tj ET Q q 0 0 0 rg BT 276.60 519.00 Td (as ) Tj ET Q q 0 0 0 rg BT 287.12 519.00 Td (well ) Tj ET Q q 0 0 0 rg BT 306.52 519.00 Td (as ) Tj ET Q q 0 0 0 rg BT 317.03 519.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 344.76 519.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 363.05 519.00 Td (on ) Tj ET Q q 0 0 0 rg BT 375.23 519.00 Td (increased ) Tj ET Q q 0 0 0 rg BT 415.17 519.00 Td (payments ) Tj ET Q q 0 0 0 rg BT 455.68 519.00 Td (volume. ) Tj ET Q q 0 0 0 rg BT 490.36 519.00 Td (Lending ) Tj ET Q q 0 0 0 rg BT 525.87 519.00 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.00 Td (was ) Tj ET Q q 0 0 0 rg BT 67.55 507.00 Td ($344 ) Tj ET Q q 0 0 0 rg BT 90.05 507.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 123.94 507.00 Td (up ) Tj ET Q q 0 0 0 rg BT 136.44 507.00 Td (2%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 489.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 84.18 489.00 Td (& ) Tj ET Q q 0 0 0 rg BT 93.87 489.00 Td (Investor ) Tj ET Q q 0 0 0 rg BT 128.55 489.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 164.34 489.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 197.90 489.00 Td (was ) Tj ET Q q 0 0 0 rg BT 215.36 489.00 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 234.77 489.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 265.30 489.00 Td (down ) Tj ET Q q 0 0 0 rg BT 289.43 489.00 Td (1) Tj ET Q q 0 0 0 rg BT 294.06 489.00 Td (1%. ) Tj ET Q q 0 0 0 rg BT 311.80 489.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 346.48 489.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 380.04 489.00 Td (of ) Tj ET Q q 0 0 0 rg BT 390.28 489.00 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 409.69 489.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 437.72 489.00 Td (was ) Tj ET Q q 0 0 0 rg BT 455.18 489.00 Td (down ) Tj ET Q q 0 0 0 rg BT 479.31 489.00 Td (6%, ) Tj ET Q q 0 0 0 rg BT 497.05 489.00 Td (or ) Tj ET Q q 0 0 0 rg BT 507.30 489.00 Td (down ) Tj ET Q q 0 0 0 rg BT 531.43 489.00 Td (1) Tj ET Q q 0 0 0 rg BT 536.06 489.00 Td (1%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 549.39 493.53 Td (7,8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.51 489.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 477.00 Td (excluding ) Tj ET Q q 0 0 0 rg BT 91.37 477.00 Td (the ) Tj ET Q q 0 0 0 rg BT 106.02 477.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 135.67 477.00 Td (of ) Tj ET Q q 0 0 0 rg BT 146.44 477.00 Td (the ) Tj ET Q q 0 0 0 rg BT 160.92 477.00 Td (TCJA) Tj ET Q q 0 0 0 rg BT 184.26 477.00 Td ( ) Tj ET Q q 0 0 0 rg BT 186.69 477.00 Td (and ) Tj ET Q q 0 0 0 rg BT 203.57 477.00 Td (a ) Tj ET Q q 0 0 0 rg BT 210.44 477.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 228.44 477.00 Td (on ) Tj ET Q q 0 0 0 rg BT 240.88 477.00 Td (a ) Tj ET Q q 0 0 0 rg BT 247.75 477.00 Td (mar) Tj ET Q q 0 0 0 rg BT 263.12 477.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 278.33 477.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 297.99 477.00 Td (in ) Tj ET Q q 0 0 0 rg BT 308.20 477.00 Td (the ) Tj ET Q q 0 0 0 rg BT 322.85 477.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 344.73 477.00 Td (year) Tj ET Q q 0 0 0 rg BT 361.38 477.00 Td (. ) Tj ET Q q 0 0 0 rg BT 366.32 477.00 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 391.54 477.00 Td (Income ) Tj ET Q q 0 0 0 rg BT 423.96 477.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 458.04 477.00 Td (of ) Tj ET Q q 0 0 0 rg BT 468.81 477.00 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 488.74 477.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 517.29 477.00 Td (was ) Tj ET Q q 0 0 0 rg BT 535.28 477.00 Td (down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 465.00 Td (16%, ) Tj ET Q q 0 0 0 rg BT 73.67 465.00 Td (or ) Tj ET Q q 0 0 0 rg BT 85.34 465.00 Td (down ) Tj ET Q q 0 0 0 rg BT 110.90 465.00 Td (18%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 129.23 469.53 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.48 465.00 Td ( ) Tj ET Q q 0 0 0 rg BT 135.82 465.00 Td (excluding ) Tj ET Q q 0 0 0 rg BT 178.59 465.00 Td (the ) Tj ET Q q 0 0 0 rg BT 194.15 465.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 224.70 465.00 Td (of ) Tj ET Q q 0 0 0 rg BT 236.37 465.00 Td (the ) Tj ET Q q 0 0 0 rg BT 251.69 465.00 Td (TCJA. ) Tj ET Q q 0 0 0 rg BT 281.42 465.00 Td (Challenging ) Tj ET Q q 0 0 0 rg BT 333.64 465.00 Td (market ) Tj ET Q q 0 0 0 rg BT 364.74 465.00 Td (conditions ) Tj ET Q q 0 0 0 rg BT 409.75 465.00 Td (produced ) Tj ET Q q 0 0 0 rg BT 450.30 465.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 485.28 465.00 Td (declines ) Tj ET Q q 0 0 0 rg BT 521.39 465.00 Td (in ) Tj ET Q q 0 0 0 rg BT 532.50 465.00 Td (Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 453.00 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 453.00 Td (rading, ) Tj ET Q q 0 0 0 rg BT 85.23 453.00 Td (Rates ) Tj ET Q q 0 0 0 rg BT 109.37 453.00 Td (and ) Tj ET Q q 0 0 0 rg BT 125.73 453.00 Td (Commodities, ) Tj ET Q q 0 0 0 rg BT 184.05 453.00 Td (which ) Tj ET Q q 0 0 0 rg BT 210.42 453.00 Td (were ) Tj ET Q q 0 0 0 rg BT 231.77 453.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 267.02 453.00 Td (of) Tj ET Q q 0 0 0 rg BT 275.16 453.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 291.53 453.00 Td (by ) Tj ET Q q 0 0 0 rg BT 303.45 453.00 Td (strength ) Tj ET Q q 0 0 0 rg BT 337.60 453.00 Td (in ) Tj ET Q q 0 0 0 rg BT 347.30 453.00 Td (Emer) Tj ET Q q 0 0 0 rg BT 368.77 453.00 Td (ging ) Tj ET Q q 0 0 0 rg BT 388.48 453.00 Td (Markets. ) Tj ET Q q 0 0 0 rg BT 425.67 453.00 Td (Equity ) Tj ET Q q 0 0 0 rg BT 454.26 453.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 488.96 453.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 522.53 453.00 Td (was ) Tj ET Q q 0 0 0 rg BT 540.00 453.00 Td ($1.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 441.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 80.31 441.00 Td (up ) Tj ET Q q 0 0 0 rg BT 92.51 441.00 Td (15%, ) Tj ET Q q 0 0 0 rg BT 115.54 441.00 Td (or ) Tj ET Q q 0 0 0 rg BT 126.07 441.00 Td (up ) Tj ET Q q 0 0 0 rg BT 138.27 441.00 Td (2%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 151.60 445.53 Td (8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.28 441.00 Td (excluding ) Tj ET Q q 0 0 0 rg BT 197.91 441.00 Td (the ) Tj ET Q q 0 0 0 rg BT 212.33 441.00 Td (mar) Tj ET Q q 0 0 0 rg BT 227.70 441.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 242.68 441.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 262.09 441.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 279.85 441.00 Td (in ) Tj ET Q q 0 0 0 rg BT 289.83 441.00 Td (the ) Tj ET Q q 0 0 0 rg BT 304.25 441.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 325.89 441.00 Td (year) Tj ET Q q 0 0 0 rg BT 342.69 441.00 Td (, ) Tj ET Q q 0 0 0 rg BT 347.39 441.00 Td (with ) Tj ET Q q 0 0 0 rg BT 367.37 441.00 Td (continued ) Tj ET Q q 0 0 0 rg BT 409.00 441.00 Td (strength ) Tj ET Q q 0 0 0 rg BT 443.42 441.00 Td (in ) Tj ET Q q 0 0 0 rg BT 453.40 441.00 Td (Prime. ) Tj ET Q q 0 0 0 rg BT 481.98 441.00 Td (Securities ) Tj ET Q q 0 0 0 rg BT 523.62 441.00 Td (Services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 429.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 83.93 429.00 Td (was ) Tj ET Q q 0 0 0 rg BT 102.27 429.00 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 122.56 429.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 153.96 429.00 Td (up ) Tj ET Q q 0 0 0 rg BT 166.75 429.00 Td (1%, ) Tj ET Q q 0 0 0 rg BT 185.36 429.00 Td (lar) Tj ET Q q 0 0 0 rg BT 195.73 429.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 215.73 429.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 244.07 429.00 Td (by ) Tj ET Q q 0 0 0 rg BT 256.85 429.00 Td (fee ) Tj ET Q q 0 0 0 rg BT 271.85 429.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 302.97 429.00 Td (and ) Tj ET Q q 0 0 0 rg BT 320.19 429.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 348.53 429.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 380.75 429.00 Td (rates, ) Tj ET Q q 0 0 0 rg BT 404.91 429.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 466.02 429.00 Td (of) Tj ET Q q 0 0 0 rg BT 474.17 429.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 491.39 429.00 Td (by ) Tj ET Q q 0 0 0 rg BT 504.18 429.00 Td (the ) Tj ET Q q 0 0 0 rg BT 519.18 429.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 549.18 429.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 417.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 74.04 417.00 Td (market ) Tj ET Q q 0 0 0 rg BT 103.58 417.00 Td (levels, ) Tj ET Q q 0 0 0 rg BT 131.17 417.00 Td (and ) Tj ET Q q 0 0 0 rg BT 147.39 417.00 Td (a ) Tj ET Q q 0 0 0 rg BT 153.60 417.00 Td (business ) Tj ET Q q 0 0 0 rg BT 189.26 417.00 Td (exit. ) Tj ET Q q 0 0 0 rg BT 208.53 417.00 Td (Credit ) Tj ET Q q 0 0 0 rg BT 234.90 417.00 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 287.23 417.00 Td (& ) Tj ET Q q 0 0 0 rg BT 296.78 417.00 Td (Other ) Tj ET Q q 0 0 0 rg BT 321.33 417.00 Td (was ) Tj ET Q q 0 0 0 rg BT 338.65 417.00 Td (a ) Tj ET Q q 0 0 0 rg BT 344.86 417.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 362.19 417.00 Td (of ) Tj ET Q q 0 0 0 rg BT 372.30 417.00 Td ($243 ) Tj ET Q q 0 0 0 rg BT 394.07 417.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 427.23 417.00 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 467.32 417.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 494.64 417.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 527.52 417.00 Td (spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 405.00 Td (on ) Tj ET Q q 0 0 0 rg BT 62.00 405.00 Td (derivatives. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.43 387.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 132.92 387.00 Td (was ) Tj ET Q q 0 0 0 rg BT 150.75 387.00 Td ($4.7 ) Tj ET Q q 0 0 0 rg BT 170.53 387.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 201.42 387.00 Td (up ) Tj ET Q q 0 0 0 rg BT 213.70 387.00 Td (3% ) Tj ET Q q 0 0 0 rg BT 229.31 387.00 Td (with ) Tj ET Q q 0 0 0 rg BT 249.37 387.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 299.42 387.00 Td (in ) Tj ET Q q 0 0 0 rg BT 309.48 387.00 Td (technology ) Tj ET Q q 0 0 0 rg BT 356.19 387.00 Td (and ) Tj ET Q q 0 0 0 rg BT 372.91 387.00 Td (bankers ) Tj ET Q q 0 0 0 rg BT 406.29 387.00 Td (and ) Tj ET Q q 0 0 0 rg BT 423.01 387.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 450.83 387.00 Td (volume-related ) Tj ET Q q 0 0 0 rg BT 513.64 387.00 Td (transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.00 Td (costs, ) Tj ET Q q 0 0 0 rg BT 74.75 375.00 Td (which ) Tj ET Q q 0 0 0 rg BT 101.93 375.00 Td (were ) Tj ET Q q 0 0 0 rg BT 124.11 375.00 Td (lar) Tj ET Q q 0 0 0 rg BT 134.47 375.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 154.44 375.00 Td (of) Tj ET Q q 0 0 0 rg BT 162.59 375.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 179.77 375.00 Td (by ) Tj ET Q q 0 0 0 rg BT 192.52 375.00 Td (the ) Tj ET Q q 0 0 0 rg BT 207.48 375.00 Td (absence ) Tj ET Q q 0 0 0 rg BT 241.87 375.00 Td (of ) Tj ET Q q 0 0 0 rg BT 252.95 375.00 Td (the ) Tj ET Q q 0 0 0 rg BT 267.91 375.00 Td (prior) Tj ET Q q 0 0 0 rg BT 287.15 375.00 Td (-year ) Tj ET Q q 0 0 0 rg BT 310.44 375.00 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 335.96 375.00 Td (surchar) Tj ET Q q 0 0 0 rg BT 365.21 375.00 Td (ge, ) Tj ET Q q 0 0 0 rg BT 379.90 375.00 Td (and ) Tj ET Q q 0 0 0 rg BT 397.08 375.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 422.60 375.00 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 501.97 375.00 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.00 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 345.00 Td (The ) Tj ET Q q 0 0 0 rg BT 68.01 345.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.75 345.00 Td (for ) Tj ET Q q 0 0 0 rg BT 123.37 345.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 149.10 345.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 175.96 345.00 Td (was ) Tj ET Q q 0 0 0 rg BT 194.47 345.00 Td ($82 ) Tj ET Q q 0 0 0 rg BT 212.43 345.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 246.79 345.00 Td (lar) Tj ET Q q 0 0 0 rg BT 257.15 345.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 277.33 345.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 305.84 345.00 Td (by ) Tj ET Q q 0 0 0 rg BT 318.81 345.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 350.64 345.00 Td (builds ) Tj ET Q q 0 0 0 rg BT 378.05 345.00 Td (for ) Tj ET Q q 0 0 0 rg BT 392.67 345.00 Td (select ) Tj ET Q q 0 0 0 rg BT 418.40 345.00 Td (client ) Tj ET Q q 0 0 0 rg BT 443.57 345.00 Td (downgrades, ) Tj ET Q q 0 0 0 rg BT 497.35 345.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 539.74 345.00 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 333.00 Td ($130 ) Tj ET Q q 0 0 0 rg BT 72.00 333.00 Td (million ) Tj ET Q q 0 0 0 rg BT 103.39 333.00 Td (in ) Tj ET Q q 0 0 0 rg BT 113.67 333.00 Td (the ) Tj ET Q q 0 0 0 rg BT 128.39 333.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 150.33 333.00 Td (year ) Tj ET Q q 0 0 0 rg BT 170.03 333.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 198.08 333.00 Td (by ) Tj ET Q q 0 0 0 rg BT 210.58 333.00 Td (a ) Tj ET Q q 0 0 0 rg BT 217.52 333.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 248.88 333.00 Td (build ) Tj ET Q q 0 0 0 rg BT 271.94 333.00 Td (for ) Tj ET Q q 0 0 0 rg BT 286.10 333.00 Td (a ) Tj ET Q q 0 0 0 rg BT 293.04 333.00 Td (single ) Tj ET Q q 0 0 0 rg BT 319.43 333.00 Td (name.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.58 333.00 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 316.50 511.00 -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 52.50 301.40 Td (COMMERCIAL) Tj ET Q q 1 1 1 rg BT 131.94 301.40 Td ( 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 50.00 286.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 286.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 286.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 286.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 286.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 286.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 286.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 286.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 286.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 286.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 271.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 271.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 271.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 271.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 271.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 271.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 271.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 271.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 271.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 271.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 271.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 271.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 211.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 211.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 211.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 211.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 211.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 211.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 211.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 211.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 211.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 211.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 211.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 211.50 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 378 271.5 m 423 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 271.5 m 468 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 271.5 m 472 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 271.5 m 517 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 271.5 m 562 271.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 256.5 m 231 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 256.5 m 276 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 256.5 m 280 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 256.5 m 325 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 256.5 m 329 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 256.5 m 374 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 256.5 m 378 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 256.5 m 423 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 256.5 m 468 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 256.5 m 472 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 256.5 m 517 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 256.5 m 562 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 256.5 m 276 256.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 211.5 m 231 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 196.5 m 231 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 211.5 m 276 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 196.5 m 276 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 211.5 m 280 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 196.5 m 280 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 211.5 m 325 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 196.5 m 325 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 211.5 m 329 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 196.5 m 329 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 211.5 m 374 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 196.5 m 374 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 211.5 m 378 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 196.5 m 378 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 211.5 m 423 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 196.5 m 423 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 211.5 m 468 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 196.5 m 468 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 211.5 m 472 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 196.5 m 472 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 211.5 m 517 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 196.5 m 517 196.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 211.5 m 562 211.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 196.5 m 562 196.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 276.17 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 276.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 276.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 261.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 261.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 261.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 261.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 261.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 261.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 261.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 261.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 247.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 246.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 246.17 Td (2,306) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 246.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 246.17 Td (2,271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 246.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 246.17 Td (2,353) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 246.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 246.17 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 246.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 246.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 246.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 246.22 Td (\(47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 246.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 246.17 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 246.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 232.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 231.17 Td (845) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 231.17 Td (853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 231.17 Td (912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 231.22 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 231.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 231.17 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 231.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 231.22 Td (\(67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 231.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 231.17 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 231.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 217.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 216.17 Td (106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 216.22 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 216.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 216.22 Td (\(62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 216.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 216.17 Td (121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 216.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 216.17 Td (168) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 216.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 202.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 201.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 201.17 Td (1,036) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 201.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 201.17 Td (1,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 201.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 201.17 Td (957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 201.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 201.22 Td (\(53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 201.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 201.17 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 201.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 201.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 201.17 Td (79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 201.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 201.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 179.00 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 179.00 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 179.00 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 161.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 161.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 161.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 161.00 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 136.42 161.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 161.00 Td (an ) Tj ET Q q 0 0 0 rg BT 179.48 161.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.73 161.00 Td (of ) Tj ET Q q 0 0 0 rg BT 225.56 161.00 Td (8%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.69 143.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.08 143.00 Td (was ) Tj ET Q q 0 0 0 rg BT 119.38 143.00 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 139.62 143.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 170.98 143.00 Td (down ) Tj ET Q q 0 0 0 rg BT 195.95 143.00 Td (2%, ) Tj ET Q q 0 0 0 rg BT 214.53 143.00 Td (with ) Tj ET Q q 0 0 0 rg BT 235.05 143.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 260.57 143.00 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 307.75 143.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 342.14 143.00 Td (more ) Tj ET Q q 0 0 0 rg BT 365.43 143.00 Td (than ) Tj ET Q q 0 0 0 rg BT 385.40 143.00 Td (of) Tj ET Q q 0 0 0 rg BT 393.55 143.00 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 426.29 143.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 454.58 143.00 Td (net ) Tj ET Q q 0 0 0 rg BT 469.54 143.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 501.72 143.00 Td (income. ) Tj ET Q q 0 0 0 rg BT 536.40 143.00 Td (Lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.00 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 96.08 131.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 129.88 131.00 Td (was ) Tj ET Q q 0 0 0 rg BT 147.58 131.00 Td (lar) Tj ET Q q 0 0 0 rg BT 157.95 131.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 177.31 131.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 205.01 131.00 Td (by ) Tj ET Q q 0 0 0 rg BT 217.16 131.00 Td (the ) Tj ET Q q 0 0 0 rg BT 231.53 131.00 Td (absence ) Tj ET Q q 0 0 0 rg BT 265.32 131.00 Td (of ) Tj ET Q q 0 0 0 rg BT 275.80 131.00 Td (a ) Tj ET Q q 0 0 0 rg BT 282.39 131.00 Td (benefit ) Tj ET Q q 0 0 0 rg BT 312.30 131.00 Td (in ) Tj ET Q q 0 0 0 rg BT 322.23 131.00 Td (the ) Tj ET Q q 0 0 0 rg BT 336.60 131.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 358.19 131.00 Td (year ) Tj ET Q q 0 0 0 rg BT 377.54 131.00 Td (as ) Tj ET Q q 0 0 0 rg BT 388.02 131.00 Td (a ) Tj ET Q q 0 0 0 rg BT 394.61 131.00 Td (result ) Tj ET Q q 0 0 0 rg BT 418.98 131.00 Td (of ) Tj ET Q q 0 0 0 rg BT 429.46 131.00 Td (the ) Tj ET Q q 0 0 0 rg BT 443.83 131.00 Td (enactment ) Tj ET Q q 0 0 0 rg BT 487.06 131.00 Td (of ) Tj ET Q q 0 0 0 rg BT 497.54 131.00 Td (the ) Tj ET Q q 0 0 0 rg BT 511.76 131.00 Td (TCJA, ) Tj ET Q q 0 0 0 rg BT 540.30 131.00 Td (while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 119.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.55 119.00 Td (net ) Tj ET Q q 0 0 0 rg BT 92.26 119.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 124.20 119.00 Td (income ) Tj ET Q q 0 0 0 rg BT 156.13 119.00 Td (reflected ) Tj ET Q q 0 0 0 rg BT 193.60 119.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 221.65 119.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 253.04 119.00 Td (mar) Tj ET Q q 0 0 0 rg BT 268.40 119.00 Td (gins ) Tj ET Q q 0 0 0 rg BT 287.57 119.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 323.39 119.00 Td (of) Tj ET Q q 0 0 0 rg BT 331.54 119.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 348.48 119.00 Td (by ) Tj ET Q q 0 0 0 rg BT 360.98 119.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 386.25 119.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 405.96 119.00 Td (spreads.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 101.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.41 101.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.88 101.00 Td (was ) Tj ET Q q 0 0 0 rg BT 153.68 101.00 Td ($845 ) Tj ET Q q 0 0 0 rg BT 176.94 101.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 211.59 101.00 Td (down ) Tj ET Q q 0 0 0 rg BT 237.07 101.00 Td (7%, ) Tj ET Q q 0 0 0 rg BT 256.16 101.00 Td (as ) Tj ET Q q 0 0 0 rg BT 267.74 101.00 Td (continued ) Tj ET Q q 0 0 0 rg BT 310.43 101.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 361.46 101.00 Td (in ) Tj ET Q q 0 0 0 rg BT 372.50 101.00 Td (banker ) Tj ET Q q 0 0 0 rg BT 402.96 101.00 Td (coverage ) Tj ET Q q 0 0 0 rg BT 442.30 101.00 Td (and ) Tj ET Q q 0 0 0 rg BT 460.00 101.00 Td (technology ) Tj ET Q q 0 0 0 rg BT 507.69 101.00 Td (in ) Tj ET Q q 0 0 0 rg BT 518.72 101.00 Td (the ) Tj ET Q q 0 0 0 rg BT 534.20 101.00 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 89.00 Td (period ) Tj ET Q q 0 0 0 rg BT 77.55 89.00 Td (were ) Tj ET Q q 0 0 0 rg BT 99.48 89.00 Td (more ) Tj ET Q q 0 0 0 rg BT 122.52 89.00 Td (than ) Tj ET Q q 0 0 0 rg BT 142.24 89.00 Td (of) Tj ET Q q 0 0 0 rg BT 150.39 89.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 167.33 89.00 Td (by ) Tj ET Q q 0 0 0 rg BT 179.83 89.00 Td (the ) Tj ET Q q 0 0 0 rg BT 194.54 89.00 Td (absence ) Tj ET Q q 0 0 0 rg BT 228.69 89.00 Td (of ) Tj ET Q q 0 0 0 rg BT 239.52 89.00 Td (an ) Tj ET Q q 0 0 0 rg BT 251.46 89.00 Td (impairment ) Tj ET Q q 0 0 0 rg BT 300.06 89.00 Td (on ) Tj ET Q q 0 0 0 rg BT 312.56 89.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 342.26 89.00 Td (leased ) Tj ET Q q 0 0 0 rg BT 369.74 89.00 Td (equipment ) Tj ET Q q 0 0 0 rg BT 414.46 89.00 Td (in ) Tj ET Q q 0 0 0 rg BT 424.73 89.00 Td (the ) Tj ET Q q 0 0 0 rg BT 439.45 89.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 461.39 89.00 Td (year) Tj ET Q q 0 0 0 rg BT 478.04 89.00 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 71.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.39 71.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.52 71.00 Td (for ) Tj ET Q q 0 0 0 rg BT 121.53 71.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 146.64 71.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 172.88 71.00 Td (was ) Tj ET Q q 0 0 0 rg BT 190.78 71.00 Td ($106 ) Tj ET Q q 0 0 0 rg BT 213.13 71.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 246.87 71.00 Td (including ) Tj ET Q q 0 0 0 rg BT 286.99 71.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 314.88 71.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 334.45 71.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 352.35 71.00 Td (reserves ) Tj ET Q q 0 0 0 rg BT 387.46 71.00 Td (lar) Tj ET Q q 0 0 0 rg BT 397.83 71.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 417.39 71.00 Td (due ) Tj ET Q q 0 0 0 rg BT 434.18 71.00 Td (to ) Tj ET Q q 0 0 0 rg BT 444.30 71.00 Td (select ) Tj ET Q q 0 0 0 rg BT 469.42 71.00 Td (client ) Tj ET Q q 0 0 0 rg BT 493.97 71.00 Td (downgrades. ) Tj ET Q q 0 0 0 rg BT 546.97 71.00 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 59.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 71.44 59.00 Td (year ) Tj ET Q q 0 0 0 rg BT 91.15 59.00 Td (was ) Tj ET Q q 0 0 0 rg BT 109.20 59.00 Td (a ) Tj ET Q q 0 0 0 rg BT 116.14 59.00 Td (benefit ) Tj ET Q q 0 0 0 rg BT 146.40 59.00 Td (of ) Tj ET Q q 0 0 0 rg BT 157.23 59.00 Td ($62 ) Tj ET Q q 0 0 0 rg BT 174.73 59.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 208.62 59.00 Td (lar) Tj ET Q q 0 0 0 rg BT 218.99 59.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 238.70 59.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 266.75 59.00 Td (by ) Tj ET Q q 0 0 0 rg BT 279.25 59.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 310.62 59.00 Td (releases ) Tj ET Q q 0 0 0 rg BT 344.76 59.00 Td (in ) Tj ET Q q 0 0 0 rg BT 355.04 59.00 Td (the ) Tj ET Q q 0 0 0 rg BT 369.76 59.00 Td (Oil ) Tj ET Q q 0 0 0 rg BT 385.04 59.00 Td (and ) Tj ET Q q 0 0 0 rg BT 401.98 59.00 Td (Gas ) Tj ET Q q 0 0 0 rg BT 420.03 59.00 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.52 59.00 Td ( ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (5) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 746.50 511.00 -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 52.50 738.85 221.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 731.40 Td (ASSET) Tj ET Q q 1 1 1 rg BT 87.15 731.40 Td ( & ) Tj ET Q q 1 1 1 rg BT 101.62 731.40 Td (WEAL) Tj ET Q q 1 1 1 rg BT 134.23 731.40 Td (TH MANAGEMENT) Tj ET Q q 1 1 1 rg BT 235.78 731.40 Td ( \(A) Tj ET Q q 1 1 1 rg BT 248.92 731.40 Td (WM\)) 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 50.00 716.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 716.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 716.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 716.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 701.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 701.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 701.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 701.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 641.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 641.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 641.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 641.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 641.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 641.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 641.50 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 378 701.5 m 423 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 701.5 m 468 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 701.5 m 472 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 701.5 m 517 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 701.5 m 562 701.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 686.5 m 231 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 686.5 m 276 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 686.5 m 280 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 686.5 m 325 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 686.5 m 329 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 686.5 m 374 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 686.5 m 378 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 686.5 m 423 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 686.5 m 468 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 686.5 m 472 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 686.5 m 517 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 686.5 m 562 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 686.5 m 276 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 686.5 m 325 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 686.5 m 374 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 686.5 m 468 686.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 686.5 m 562 686.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 641.5 m 276 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 641.5 m 325 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 641.5 m 374 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 641.5 m 468 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 641.5 m 562 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 641.5 m 231 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 626.5 m 231 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 641.5 m 276 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 626.5 m 276 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 641.5 m 280 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 626.5 m 280 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 641.5 m 325 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 626.5 m 325 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 641.5 m 329 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 626.5 m 329 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 641.5 m 374 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 626.5 m 374 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 641.5 m 378 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 626.5 m 378 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 641.5 m 423 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 626.5 m 423 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 641.5 m 468 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 626.5 m 468 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 641.5 m 472 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 626.5 m 472 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 641.5 m 517 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 626.5 m 517 626.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 641.5 m 562 641.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 626.5 m 562 626.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 706.17 Td (Results for ) Tj ET Q q 0 0 0 rg BT 98.33 706.17 Td (A) Tj ET Q q 0 0 0 rg BT 104.88 706.17 Td (WM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 706.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 706.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 691.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 691.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 691.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 691.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 691.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 691.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 677.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 676.17 Td (3,439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 676.17 Td (3,559) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 676.17 Td (3,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 676.22 Td (\(120) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 676.17 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 676.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 676.22 Td (\(199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 676.17 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 676.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 662.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 661.17 Td (2,621) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 661.17 Td (2,585) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 661.17 Td (2,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 661.17 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 661.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 661.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 661.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 647.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 646.17 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 646.17 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 646.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 646.22 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 646.17 Td (\(43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 646.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 646.17 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 632.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 631.17 Td (604) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 631.17 Td (724) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 631.17 Td (654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 631.22 Td (\(120) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 631.17 Td (\(17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 631.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 631.22 Td (\(50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 631.17 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 631.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 609.00 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 609.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 591.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 591.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 591.00 Td ($604 ) Tj ET Q q 0 0 0 rg BT 138.92 591.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 591.00 Td (a ) Tj ET Q q 0 0 0 rg BT 179.75 591.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 216.67 591.00 Td (of ) Tj ET Q q 0 0 0 rg BT 227.50 591.00 Td (8%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 573.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.69 573.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.09 573.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.39 573.00 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 135.65 573.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 166.01 573.00 Td (a ) Tj ET Q q 0 0 0 rg BT 172.21 573.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 208.37 573.00 Td (of ) Tj ET Q q 0 0 0 rg BT 218.46 573.00 Td (5%. ) Tj ET Q q 0 0 0 rg BT 235.91 573.00 Td (The ) Tj ET Q q 0 0 0 rg BT 253.21 573.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 282.18 573.00 Td (of ) Tj ET Q q 0 0 0 rg BT 292.26 573.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 316.78 573.00 Td (market ) Tj ET Q q 0 0 0 rg BT 346.30 573.00 Td (levels ) Tj ET Q q 0 0 0 rg BT 371.38 573.00 Td (drove ) Tj ET Q q 0 0 0 rg BT 395.90 573.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 420.42 573.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 466.05 573.00 Td (valuations, ) Tj ET Q q 0 0 0 rg BT 511.41 573.00 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 561.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 68.10 561.00 Td (and ) Tj ET Q q 0 0 0 rg BT 85.04 561.00 Td (performance ) Tj ET Q q 0 0 0 rg BT 138.06 561.00 Td (fees, ) Tj ET Q q 0 0 0 rg BT 159.16 561.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 194.98 561.00 Td (of) Tj ET Q q 0 0 0 rg BT 203.13 561.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 220.07 561.00 Td (by ) Tj ET Q q 0 0 0 rg BT 232.57 561.00 Td (strong ) Tj ET Q q 0 0 0 rg BT 260.07 561.00 Td (banking ) Tj ET Q q 0 0 0 rg BT 294.78 561.00 Td (results ) Tj ET Q q 0 0 0 rg BT 323.39 561.00 Td (and ) Tj ET Q q 0 0 0 rg BT 340.33 561.00 Td (the ) Tj ET Q q 0 0 0 rg BT 355.05 561.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 384.76 561.00 Td (of ) Tj ET Q q 0 0 0 rg BT 395.59 561.00 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 442.52 561.00 Td (net ) Tj ET Q q 0 0 0 rg BT 457.23 561.00 Td (long-term ) Tj ET Q q 0 0 0 rg BT 499.17 561.00 Td (inflows. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 97.64 543.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 131.33 543.00 Td (of ) Tj ET Q q 0 0 0 rg BT 141.14 543.00 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 160.12 543.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 187.72 543.00 Td (was ) Tj ET Q q 0 0 0 rg BT 204.75 543.00 Td (flat, ) Tj ET Q q 0 0 0 rg BT 222.06 543.00 Td (as ) Tj ET Q q 0 0 0 rg BT 231.87 543.00 Td (continued ) Tj ET Q q 0 0 0 rg BT 272.78 543.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 322.04 543.00 Td (in ) Tj ET Q q 0 0 0 rg BT 331.30 543.00 Td (advisors ) Tj ET Q q 0 0 0 rg BT 366.11 543.00 Td (and ) Tj ET Q q 0 0 0 rg BT 382.03 543.00 Td (technology ) Tj ET Q q 0 0 0 rg BT 427.95 543.00 Td (were ) Tj ET Q q 0 0 0 rg BT 448.86 543.00 Td (of) Tj ET Q q 0 0 0 rg BT 457.01 543.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 472.93 543.00 Td (by ) Tj ET Q q 0 0 0 rg BT 484.41 543.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 508.66 543.00 Td (performance-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.00 Td (based ) Tj ET Q q 0 0 0 rg BT 74.77 531.00 Td (compensation ) Tj ET Q q 0 0 0 rg BT 132.81 531.00 Td (and ) Tj ET Q q 0 0 0 rg BT 149.75 531.00 Td (revenue-driven ) Tj ET Q q 0 0 0 rg BT 212.77 531.00 Td (external ) Tj ET Q q 0 0 0 rg BT 247.47 531.00 Td (fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 513.00 Td (Assets ) Tj ET Q q 0 0 0 rg BT 77.84 513.00 Td (under ) Tj ET Q q 0 0 0 rg BT 102.84 513.00 Td (management ) Tj ET Q q 0 0 0 rg BT 156.17 513.00 Td (were ) Tj ET Q q 0 0 0 rg BT 177.83 513.00 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 197.56 513.00 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 229.51 513.00 Td (down ) Tj ET Q q 0 0 0 rg BT 253.96 513.00 Td (2%, ) Tj ET Q q 0 0 0 rg BT 272.02 513.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 299.80 513.00 Td (by ) Tj ET Q q 0 0 0 rg BT 312.03 513.00 Td (the ) Tj ET Q q 0 0 0 rg BT 326.48 513.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 355.93 513.00 Td (of ) Tj ET Q q 0 0 0 rg BT 366.49 513.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 391.49 513.00 Td (market ) Tj ET Q q 0 0 0 rg BT 421.48 513.00 Td (levels, ) Tj ET Q q 0 0 0 rg BT 449.54 513.00 Td (which ) Tj ET Q q 0 0 0 rg BT 476.21 513.00 Td (were ) Tj ET Q q 0 0 0 rg BT 497.87 513.00 Td (lar) Tj ET Q q 0 0 0 rg BT 508.24 513.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 527.68 513.00 Td (of) Tj ET Q q 0 0 0 rg BT 535.83 513.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 552.50 513.00 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 501.00 Td (net ) Tj ET Q q 0 0 0 rg BT 64.22 501.00 Td (inflows ) Tj ET Q q 0 0 0 rg BT 96.72 501.00 Td (into ) Tj ET Q q 0 0 0 rg BT 114.77 501.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 151.17 501.00 Td (and ) Tj ET Q q 0 0 0 rg BT 168.10 501.00 Td (long-term ) Tj ET Q q 0 0 0 rg BT 210.04 501.00 Td (products.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 484.50 511.00 -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 52.50 469.40 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 469.40 Td (TE) 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 50.00 454.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 454.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 454.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 454.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 454.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 454.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 454.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 454.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 454.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 454.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 439.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 439.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 439.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 439.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 439.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 439.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 439.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 439.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 439.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 439.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 439.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 439.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 409.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 409.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 409.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 409.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 409.50 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 409.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 394.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 394.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 379.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 379.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 379.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 379.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 379.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 379.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 379.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 379.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 379.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 379.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 379.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 379.50 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 378 439.5 m 423 439.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 439.5 m 468 439.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 439.5 m 472 439.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 439.5 m 517 439.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 439.5 m 562 439.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 424.5 m 231 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 424.5 m 276 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 424.5 m 280 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 424.5 m 325 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 424.5 m 329 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 424.5 m 374 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 424.5 m 378 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 424.5 m 423 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 424.5 m 468 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 424.5 m 472 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 424.5 m 517 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 424.5 m 562 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 424.5 m 276 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 424.5 m 325 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 424.5 m 374 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 424.5 m 468 424.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 424.5 m 562 424.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 379.5 m 374 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 379.5 m 231 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 364.5 m 231 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 379.5 m 276 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 364.5 m 276 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 379.5 m 280 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 364.5 m 280 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 379.5 m 325 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 364.5 m 325 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 379.5 m 329 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 364.5 m 329 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 379.5 m 374 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 364.5 m 374 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 379.5 m 378 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 364.5 m 378 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 379.5 m 423 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 364.5 m 423 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 379.5 m 468 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 364.5 m 468 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 379.5 m 472 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 364.5 m 472 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 379.5 m 517 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 364.5 m 517 364.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 379.5 m 562 379.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 364.5 m 562 364.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 444.17 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 444.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 444.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 429.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 429.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 429.17 Td (3Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 429.17 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 429.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 429.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 429.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 429.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 415.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 414.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 414.17 Td (127) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 414.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 414.22 Td (\(103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 414.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 414.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 414.17 Td (175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 414.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 414.17 Td (230) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 414.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 414.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 414.22 Td (\(48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 414.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 414.17 Td (\(27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 414.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 400.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 399.17 Td (508) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 399.17 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 399.17 Td (146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 399.17 Td (480) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 399.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 399.17 Td (362) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.80 399.17 Td (248) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 385.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.80 384.17 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 384.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 384.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 384.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.80 384.22 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 384.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 384.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.80 384.22 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 384.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 384.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 370.07 Td (Net income/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 369.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 369.17 Td (\(577) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 369.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 369.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 369.22 Td (\(145) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 369.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 369.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.30 369.22 Td (\(2,326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 369.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 369.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 369.22 Td (\(432) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 369.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.45 369.17 Td (\(298) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 369.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 369.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 369.17 Td (1,749) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 369.17 Td (75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 369.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 347.00 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 329.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.98 329.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 85.59 329.00 Td (was ) Tj ET Q q 0 0 0 rg BT 104.19 329.00 Td ($577 ) Tj ET Q q 0 0 0 rg BT 127.23 329.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 161.67 329.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 204.13 329.00 Td (with ) Tj ET Q q 0 0 0 rg BT 224.96 329.00 Td (a ) Tj ET Q q 0 0 0 rg BT 232.44 329.00 Td (net ) Tj ET Q q 0 0 0 rg BT 247.70 329.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 266.31 329.00 Td (of ) Tj ET Q q 0 0 0 rg BT 277.68 329.00 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 298.23 329.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 327.38 329.00 Td (in ) Tj ET Q q 0 0 0 rg BT 338.21 329.00 Td (the ) Tj ET Q q 0 0 0 rg BT 353.47 329.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 375.95 329.00 Td (year) Tj ET Q q 0 0 0 rg BT 392.61 329.00 Td (. ) Tj ET Q q 0 0 0 rg BT 397.93 329.00 Td (The ) Tj ET Q q 0 0 0 rg BT 416.52 329.00 Td (current ) Tj ET Q q 0 0 0 rg BT 447.88 329.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 479.24 329.00 Td (included ) Tj ET Q q 0 0 0 rg BT 516.72 329.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 546.97 329.00 Td (tax-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 317.00 Td (related ) Tj ET Q q 0 0 0 rg BT 78.78 317.00 Td (items ) Tj ET Q q 0 0 0 rg BT 102.53 317.00 Td (totaling ) Tj ET Q q 0 0 0 rg BT 135.17 317.00 Td (approximately ) Tj ET Q q 0 0 0 rg BT 195.01 317.00 Td ($300 ) Tj ET Q q 0 0 0 rg BT 217.09 317.00 Td (million ) Tj ET Q q 0 0 0 rg BT 248.06 317.00 Td (and ) Tj ET Q q 0 0 0 rg BT 264.59 317.00 Td (the ) Tj ET Q q 0 0 0 rg BT 278.88 317.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 300.41 317.00 Td (year ) Tj ET Q q 0 0 0 rg BT 319.70 317.00 Td (included ) Tj ET Q q 0 0 0 rg BT 356.21 317.00 Td (a ) Tj ET Q q 0 0 0 rg BT 362.73 317.00 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 382.31 317.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 410.51 317.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 445.35 317.00 Td (to ) Tj ET Q q 0 0 0 rg BT 455.21 317.00 Td (income ) Tj ET Q q 0 0 0 rg BT 486.72 317.00 Td (tax ) Tj ET Q q 0 0 0 rg BT 501.02 317.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 535.31 317.00 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.00 Td (to ) Tj ET Q q 0 0 0 rg BT 59.78 305.00 Td (the ) Tj ET Q q 0 0 0 rg BT 74.50 305.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 104.21 305.00 Td (of ) Tj ET Q q 0 0 0 rg BT 115.04 305.00 Td (the ) Tj ET Q q 0 0 0 rg BT 129.57 305.00 Td (TCJA.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 287.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.51 287.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 98.72 287.00 Td (of ) Tj ET Q q 0 0 0 rg BT 108.62 287.00 Td ($127 ) Tj ET Q q 0 0 0 rg BT 130.18 287.00 Td (million ) Tj ET Q q 0 0 0 rg BT 160.64 287.00 Td (included ) Tj ET Q q 0 0 0 rg BT 196.64 287.00 Td (markdowns ) Tj ET Q q 0 0 0 rg BT 244.87 287.00 Td (on ) Tj ET Q q 0 0 0 rg BT 256.44 287.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 285.21 287.00 Td (legacy ) Tj ET Q q 0 0 0 rg BT 312.87 287.00 Td (private ) Tj ET Q q 0 0 0 rg BT 342.20 287.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 368.76 287.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 418.10 287.00 Td (totaling ) Tj ET Q q 0 0 0 rg BT 450.22 287.00 Td (approximately ) Tj ET Q q 0 0 0 rg BT 509.55 287.00 Td ($150 ) Tj ET Q q 0 0 0 rg BT 531.12 287.00 Td (million.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 269.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.75 269.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 135.54 269.00 Td (of ) Tj ET Q q 0 0 0 rg BT 147.47 269.00 Td ($508 ) Tj ET Q q 0 0 0 rg BT 171.06 269.00 Td (million ) Tj ET Q q 0 0 0 rg BT 203.54 269.00 Td (included ) Tj ET Q q 0 0 0 rg BT 241.57 269.00 Td (a ) Tj ET Q q 0 0 0 rg BT 249.60 269.00 Td (contribution ) Tj ET Q q 0 0 0 rg BT 302.07 269.00 Td (to ) Tj ET Q q 0 0 0 rg BT 313.44 269.00 Td (the ) Tj ET Q q 0 0 0 rg BT 329.25 269.00 Td (JPMor) Tj ET Q q 0 0 0 rg BT 355.74 269.00 Td (gan ) Tj ET Q q 0 0 0 rg BT 373.77 269.00 Td (Chase ) Tj ET Q q 0 0 0 rg BT 401.80 269.00 Td (Foundation ) Tj ET Q q 0 0 0 rg BT 450.95 269.00 Td (of ) Tj ET Q q 0 0 0 rg BT 462.87 269.00 Td ($200 ) Tj ET Q q 0 0 0 rg BT 486.46 269.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 521.44 269.00 Td (as ) Tj ET Q q 0 0 0 rg BT 533.36 269.00 Td (well ) Tj ET Q q 0 0 0 rg BT 554.17 269.00 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 257.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 99.77 257.00 Td (in ) Tj ET Q q 0 0 0 rg BT 110.05 257.00 Td (technology ) Tj ET Q q 0 0 0 rg BT 156.99 257.00 Td (and ) Tj ET Q q 0 0 0 rg BT 173.92 257.00 Td (real ) Tj ET Q q 0 0 0 rg BT 191.41 257.00 Td (estate.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 59.50 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 62.00 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 64.50 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.00 740.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 93.38 740.25 Td (on ) Tj ET Q q 0 0 0 rg BT 106.44 740.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 153.67 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 156.17 740.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 195.90 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 227.38 740.25 Td (es ) Tj ET Q q 0 0 0 rg BT 238.21 740.25 Td (and ) Tj ET Q q 0 0 0 rg BT 256.83 740.25 Td (key ) Tj ET Q q 0 0 0 rg BT 274.33 740.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 331.81 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 363.29 740.25 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 722.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 722.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 136.17 722.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.67 722.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.40 722.25 Td (measur) Tj ET Q q 0 0 0 rg BT 209.88 722.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.25 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 698.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.96 698.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.87 698.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.78 698.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.78 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.13 698.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 200.35 698.25 Td (s ) Tj ET Q q 0 0 0 rg BT 206.38 698.25 Td (results ) Tj ET Q q 0 0 0 rg BT 234.62 698.25 Td (on ) Tj ET Q q 0 0 0 rg BT 246.75 698.25 Td (a ) Tj ET Q q 0 0 0 rg BT 253.32 698.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 288.76 698.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 313.40 698.25 Td (management ) Tj ET Q q 0 0 0 rg BT 366.62 698.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 399.85 698.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 440.86 698.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.60 698.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.51 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.86 698.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 90.46 686.25 Td (on ) Tj ET Q q 0 0 0 rg BT 102.59 686.25 Td (a ) Tj ET Q q 0 0 0 rg BT 109.16 686.25 Td (managed?) Tj ET Q q 0 0 0 rg BT 156.26 686.25 Td (basis; ) Tj ET Q q 0 0 0 rg BT 181.17 686.25 Td (these ) Tj ET Q q 0 0 0 rg BT 203.85 686.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 244.87 686.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 283.09 686.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 305.22 686.25 Td (results ) Tj ET Q q 0 0 0 rg BT 333.46 686.25 Td (are ) Tj ET Q q 0 0 0 rg BT 347.80 686.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 392.99 686.25 Td ( ) Tj ET Q q 0 0 0 rg BT 395.12 686.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.23 686.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 473.91 686.25 Td (The ) Tj ET Q q 0 0 0 rg BT 491.59 686.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 513.17 686.25 Td (also ) Tj ET Q q 0 0 0 rg BT 531.41 686.25 Td (reviews ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.35 674.25 Td (results ) Tj ET Q q 0 0 0 rg BT 111.08 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 122.04 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 136.89 674.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 158.40 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 169.36 674.25 Td (business ) Tj ET Q q 0 0 0 rg BT 205.88 674.25 Td (on ) Tj ET Q q 0 0 0 rg BT 218.51 674.25 Td (a ) Tj ET Q q 0 0 0 rg BT 225.57 674.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 264.30 674.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 289.24 674.25 Td (The ) Tj ET Q q 0 0 0 rg BT 307.41 674.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 329.64 674.25 Td (s ) Tj ET Q q 0 0 0 rg BT 336.16 674.25 Td (definition ) Tj ET Q q 0 0 0 rg BT 377.67 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 388.63 674.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 427.35 674.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 449.98 674.25 Td (starts, ) Tj ET Q q 0 0 0 rg BT 476.21 674.25 Td (in ) Tj ET Q q 0 0 0 rg BT 486.62 674.25 Td (each ) Tj ET Q q 0 0 0 rg BT 507.56 674.25 Td (case, ) Tj ET Q q 0 0 0 rg BT 529.90 674.25 Td (with ) Tj ET Q q 0 0 0 rg BT 550.31 674.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 103.80 662.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 124.56 662.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 151.42 662.25 Td ( ) Tj ET Q q 0 0 0 rg BT 154.40 662.25 Td (results ) Tj ET Q q 0 0 0 rg BT 183.49 662.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.91 662.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 237.21 662.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 267.40 662.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 334.79 662.25 Td (to ) Tj ET Q q 0 0 0 rg BT 345.55 662.25 Td (present ) Tj ET Q q 0 0 0 rg BT 377.41 662.25 Td (total ) Tj ET Q q 0 0 0 rg BT 398.17 662.25 Td (net ) Tj ET Q q 0 0 0 rg BT 413.36 662.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 447.99 662.25 Td (for ) Tj ET Q q 0 0 0 rg BT 462.63 662.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.83 662.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 500.26 662.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.68 662.25 Td (each ) Tj ET Q q 0 0 0 rg BT 538.97 662.25 Td (of ) Tj ET Q q 0 0 0 rg BT 550.29 662.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 650.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 109.91 650.25 Td (business ) Tj ET Q q 0 0 0 rg BT 145.67 650.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 184.76 650.25 Td (on ) Tj ET Q q 0 0 0 rg BT 196.64 650.25 Td (a ) Tj ET Q q 0 0 0 rg BT 202.95 650.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 223.71 650.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 299.44 650.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 334.63 650.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 358.59 650.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 407.92 650.25 Td (, ) Tj ET Q q 0 0 0 rg BT 412.30 650.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 445.82 650.25 Td (from ) Tj ET Q q 0 0 0 rg BT 467.13 650.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 516.78 650.25 Td (that ) Tj ET Q q 0 0 0 rg BT 533.65 650.25 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 638.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 82.60 638.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 112.13 638.25 Td (and ) Tj ET Q q 0 0 0 rg BT 129.45 638.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 177.31 638.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 217.95 638.25 Td (is ) Tj ET Q q 0 0 0 rg BT 227.50 638.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 268.70 638.25 Td (in ) Tj ET Q q 0 0 0 rg BT 279.36 638.25 Td (the ) Tj ET Q q 0 0 0 rg BT 294.45 638.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 333.43 638.25 Td (results ) Tj ET Q q 0 0 0 rg BT 362.42 638.25 Td (on ) Tj ET Q q 0 0 0 rg BT 375.30 638.25 Td (a ) Tj ET Q q 0 0 0 rg BT 382.61 638.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 405.49 638.25 Td (comparable ) Tj ET Q q 0 0 0 rg BT 455.01 638.25 Td (to ) Tj ET Q q 0 0 0 rg BT 465.67 638.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 497.42 638.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 548.08 638.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 109.96 626.25 Td (These ) Tj ET Q q 0 0 0 rg BT 136.20 626.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 173.55 626.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 213.12 626.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 237.70 626.25 Td (management ) Tj ET Q q 0 0 0 rg BT 291.16 626.25 Td (to ) Tj ET Q q 0 0 0 rg BT 301.30 626.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 328.11 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 342.69 626.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 400.60 626.25 Td (of ) Tj ET Q q 0 0 0 rg BT 411.29 626.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 445.30 626.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 474.89 626.25 Td (from ) Tj ET Q q 0 0 0 rg BT 496.69 626.25 Td (both ) Tj ET Q q 0 0 0 rg BT 516.83 626.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 548.07 626.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.41 614.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 148.69 614.25 Td (The ) Tj ET Q q 0 0 0 rg BT 166.17 614.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 225.31 614.25 Td (income ) Tj ET Q q 0 0 0 rg BT 256.67 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 270.82 614.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 299.96 614.25 Td (related ) Tj ET Q q 0 0 0 rg BT 329.09 614.25 Td (to ) Tj ET Q q 0 0 0 rg BT 338.80 614.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 385.71 614.25 Td (items ) Tj ET Q q 0 0 0 rg BT 409.31 614.25 Td (is ) Tj ET Q q 0 0 0 rg BT 417.91 614.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 454.81 614.25 Td (within ) Tj ET Q q 0 0 0 rg BT 482.30 614.25 Td (income ) Tj ET Q q 0 0 0 rg BT 513.66 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 527.81 614.25 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 602.25 Td (These ) Tj ET Q q 0 0 0 rg BT 94.97 602.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 146.34 602.25 Td (have ) Tj ET Q q 0 0 0 rg BT 168.81 602.25 Td (no ) Tj ET Q q 0 0 0 rg BT 182.40 602.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 213.20 602.25 Td (on ) Tj ET Q q 0 0 0 rg BT 226.80 602.25 Td (net ) Tj ET Q q 0 0 0 rg BT 242.61 602.25 Td (income ) Tj ET Q q 0 0 0 rg BT 275.63 602.25 Td (as ) Tj ET Q q 0 0 0 rg BT 287.55 602.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 324.46 602.25 Td (by ) Tj ET Q q 0 0 0 rg BT 338.06 602.25 Td (the ) Tj ET Q q 0 0 0 rg BT 353.87 602.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 376.91 602.25 Td (as ) Tj ET Q q 0 0 0 rg BT 388.83 602.25 Td (a ) Tj ET Q q 0 0 0 rg BT 396.86 602.25 Td (whole ) Tj ET Q q 0 0 0 rg BT 424.89 602.25 Td (or ) Tj ET Q q 0 0 0 rg BT 436.81 602.25 Td (by ) Tj ET Q q 0 0 0 rg BT 450.41 602.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.22 602.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 488.70 602.25 Td (of ) Tj ET Q q 0 0 0 rg BT 500.62 602.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 540.60 602.25 Td (For ) Tj ET Q q 0 0 0 rg BT 558.09 602.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 124.18 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 134.21 590.25 Td (the ) Tj ET Q q 0 0 0 rg BT 148.13 590.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 170.36 590.25 Td (s ) Tj ET Q q 0 0 0 rg BT 175.96 590.25 Td (results ) Tj ET Q q 0 0 0 rg BT 203.77 590.25 Td (from ) Tj ET Q q 0 0 0 rg BT 224.91 590.25 Td (a ) Tj ET Q q 0 0 0 rg BT 231.05 590.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 266.07 590.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.56 590.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 313.35 590.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 337.56 590.25 Td (see ) Tj ET Q q 0 0 0 rg BT 352.03 590.25 Td (page ) Tj ET Q q 0 0 0 rg BT 372.61 590.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 379.32 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 389.35 590.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.27 590.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 440.52 590.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 473.32 590.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 512.24 590.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 566.25 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 566.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.91 566.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 106.79 566.25 Td (common ) Tj ET Q q 0 0 0 rg BT 146.23 566.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 175.67 566.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 217.04 566.25 Td (return ) Tj ET Q q 0 0 0 rg BT 245.36 566.25 Td (on ) Tj ET Q q 0 0 0 rg BT 259.80 566.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 296.46 566.25 Td (common ) Tj ET Q q 0 0 0 rg BT 335.90 566.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 365.34 566.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 418.10 566.25 Td (and ) Tj ET Q q 0 0 0 rg BT 436.98 566.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 473.64 566.25 Td (book ) Tj ET Q q 0 0 0 rg BT 498.09 566.25 Td (value ) Tj ET Q q 0 0 0 rg BT 524.19 566.25 Td (per ) Tj ET Q q 0 0 0 rg BT 541.40 566.25 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 554.25 Td (\(TBVPS\), ) Tj ET Q q 0 0 0 rg BT 120.16 554.25 Td (are ) Tj ET Q q 0 0 0 rg BT 135.87 554.25 Td (each ) Tj ET Q q 0 0 0 rg BT 157.68 554.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 202.87 554.25 Td ( ) Tj ET Q q 0 0 0 rg BT 206.37 554.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 244.85 554.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 287.80 554.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 310.19 554.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 354.23 554.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.94 554.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 392.17 554.25 Td (s ) Tj ET Q q 0 0 0 rg BT 399.56 554.25 Td (common ) Tj ET Q q 0 0 0 rg BT 438.06 554.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 491.19 554.25 Td ( ) Tj ET Q q 0 0 0 rg BT 494.69 554.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 523.19 554.25 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 544.73 554.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 542.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 120.63 542.25 Td ( ) Tj ET Q q 0 0 0 rg BT 123.59 542.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 151.54 542.25 Td (less ) Tj ET Q q 0 0 0 rg BT 169.49 542.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 209.08 542.25 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 236.47 542.25 Td (less ) Tj ET Q q 0 0 0 rg BT 254.43 542.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 292.94 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.33 542.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 358.82 542.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 401.77 542.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 428.05 542.25 Td (\(other ) Tj ET Q q 0 0 0 rg BT 454.88 542.25 Td (than ) Tj ET Q q 0 0 0 rg BT 475.05 542.25 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 508.85 542.25 Td (net ) Tj ET Q q 0 0 0 rg BT 524.02 542.25 Td (of ) Tj ET Q q 0 0 0 rg BT 535.31 542.25 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 530.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 103.65 530.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 118.70 530.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 161.26 530.25 Td (For ) Tj ET Q q 0 0 0 rg BT 177.99 530.25 Td (a ) Tj ET Q q 0 0 0 rg BT 185.27 530.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 243.08 530.25 Td (from ) Tj ET Q q 0 0 0 rg BT 265.36 530.25 Td (common ) Tj ET Q q 0 0 0 rg BT 303.19 530.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 356.33 530.25 Td ( ) Tj ET Q q 0 0 0 rg BT 359.17 530.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 387.00 530.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.41 530.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 421.64 530.25 Td (see ) Tj ET Q q 0 0 0 rg BT 437.25 530.25 Td (page ) Tj ET Q q 0 0 0 rg BT 458.96 530.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 466.80 530.25 Td (of ) Tj ET Q q 0 0 0 rg BT 477.97 530.25 Td (the ) Tj ET Q q 0 0 0 rg BT 493.03 530.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 531.42 530.25 Td (Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 106.59 518.25 Td (Supplement. ) Tj ET Q q 0 0 0 rg BT 158.75 518.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 193.40 518.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 232.49 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.59 518.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 268.81 518.25 Td (s ) Tj ET Q q 0 0 0 rg BT 274.58 518.25 Td (net ) Tj ET Q q 0 0 0 rg BT 288.68 518.25 Td (income ) Tj ET Q q 0 0 0 rg BT 320.00 518.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 362.96 518.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.62 518.25 Td (common ) Tj ET Q q 0 0 0 rg BT 409.50 518.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 436.37 518.25 Td (as ) Tj ET Q q 0 0 0 rg BT 446.58 518.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.90 518.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 498.08 518.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.29 518.25 Td (average ) Tj ET Q q 0 0 0 rg BT 541.12 518.25 Td (TCE. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 100.84 506.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 143.60 506.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.04 506.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 180.27 506.25 Td (s ) Tj ET Q q 0 0 0 rg BT 186.22 506.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 207.33 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 216.77 506.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 262.31 506.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 294.52 506.25 Td (by ) Tj ET Q q 0 0 0 rg BT 306.74 506.25 Td (common ) Tj ET Q q 0 0 0 rg BT 343.96 506.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 371.17 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 380.61 506.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 428.65 506.25 Td (Book ) Tj ET Q q 0 0 0 rg BT 452.54 506.25 Td (value ) Tj ET Q q 0 0 0 rg BT 476.42 506.25 Td (per ) Tj ET Q q 0 0 0 rg BT 491.41 506.25 Td (share ) Tj ET Q q 0 0 0 rg BT 514.73 506.25 Td (was ) Tj ET Q q 0 0 0 rg BT 532.50 506.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.50 506.25 Td (70.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.00 506.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 494.25 Td (69.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 494.25 Td ( ) Tj ET Q q 0 0 0 rg BT 98.11 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 115.67 494.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.67 494.25 Td (67.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.17 494.25 Td ( ) Tj ET Q q 0 0 0 rg BT 146.28 494.25 Td (at ) Tj ET Q q 0 0 0 rg BT 156.61 494.25 Td (December ) Tj ET Q q 0 0 0 rg BT 200.81 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 216.42 494.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 242.04 494.25 Td (September ) Tj ET Q q 0 0 0 rg BT 287.92 494.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 303.53 494.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 329.15 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 346.70 494.25 Td (December ) Tj ET Q q 0 0 0 rg BT 390.90 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 406.51 494.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 432.13 494.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 479.79 494.25 Td (. ) Tj ET Q q 0 0 0 rg BT 485.18 494.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 509.68 494.25 Td (ROTCE, ) Tj ET Q q 0 0 0 rg BT 548.07 494.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 482.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 101.12 482.25 Td (are ) Tj ET Q q 0 0 0 rg BT 115.83 482.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 163.87 482.25 Td (to ) Tj ET Q q 0 0 0 rg BT 174.15 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.87 482.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 213.32 482.25 Td (as ) Tj ET Q q 0 0 0 rg BT 224.15 482.25 Td (well ) Tj ET Q q 0 0 0 rg BT 243.86 482.25 Td (as ) Tj ET Q q 0 0 0 rg BT 254.69 482.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 293.30 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 482.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 347.46 482.25 Td (in ) Tj ET Q q 0 0 0 rg BT 357.73 482.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 397.46 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 412.17 482.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 434.40 482.25 Td (s ) Tj ET Q q 0 0 0 rg BT 440.79 482.25 Td (use ) Tj ET Q q 0 0 0 rg BT 456.62 482.25 Td (of ) Tj ET Q q 0 0 0 rg BT 467.45 482.25 Td (equity) Tj ET Q q 0 0 0 rg BT 491.80 482.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 458.25 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 458.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 105.80 458.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.21 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 156.84 458.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 192.36 458.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 231.21 458.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 251.73 458.25 Td (are ) Tj ET Q q 0 0 0 rg BT 266.13 458.25 Td (each ) Tj ET Q q 0 0 0 rg BT 286.64 458.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 331.83 458.25 Td ( ) Tj ET Q q 0 0 0 rg BT 334.02 458.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 371.20 458.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 412.62 458.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 450.92 458.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 485.33 458.25 Td (excluded ) Tj ET Q q 0 0 0 rg BT 523.62 458.25 Td (Firmwide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 446.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 89.83 446.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 124.93 446.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.15 446.25 Td ($\(18\) ) Tj ET Q q 0 0 0 rg BT 160.70 446.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.59 446.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.99 446.25 Td ($20 ) Tj ET Q q 0 0 0 rg BT 212.88 446.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.77 446.25 Td ( ) Tj ET Q q 0 0 0 rg BT 244.67 446.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.00 446.25 Td ($\(207\) ) Tj ET Q q 0 0 0 rg BT 291.55 446.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.44 446.25 Td ( ) Tj ET Q q 0 0 0 rg BT 323.33 446.25 Td (for ) Tj ET Q q 0 0 0 rg BT 337.89 446.25 Td (the ) Tj ET Q q 0 0 0 rg BT 353.00 446.25 Td (three ) Tj ET Q q 0 0 0 rg BT 375.88 446.25 Td (months ) Tj ET Q q 0 0 0 rg BT 408.22 446.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.99 446.25 Td (December ) Tj ET Q q 0 0 0 rg BT 478.96 446.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 494.36 446.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.36 446.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.75 446.25 Td (September ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 434.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 83.87 434.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.87 434.25 Td ( ) Tj ET Q q 0 0 0 rg BT 107.74 434.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.05 434.25 Td (December?1, ) Tj ET Q q 0 0 0 rg BT 186.00 434.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.00 434.25 Td (, ) Tj ET Q q 0 0 0 rg BT 212.37 434.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 260.03 434.25 Td (. ) Tj ET Q q 0 0 0 rg BT 266.12 434.25 Td (The ) Tj ET Q q 0 0 0 rg BT 285.54 434.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 322.73 434.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 363.25 434.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 385.44 434.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 426.52 434.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.61 434.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 464.83 434.25 Td (s ) Tj ET Q q 0 0 0 rg BT 472.59 434.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 509.79 434.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 545.87 434.25 Td (as ) Tj ET Q q 0 0 0 rg BT 558.06 434.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 422.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 113.25 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 124.03 422.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 159.81 422.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 198.35 422.25 Td (net ) Tj ET Q q 0 0 0 rg BT 213.02 422.25 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 249.61 422.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 304.27 422.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 339.48 422.25 Td (this ) Tj ET Q q 0 0 0 rg BT 356.38 422.25 Td (information ) Tj ET Q q 0 0 0 rg BT 406.04 422.25 Td (helps ) Tj ET Q q 0 0 0 rg BT 429.60 422.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 468.16 422.25 Td (understand ) Tj ET Q q 0 0 0 rg BT 514.48 422.25 Td (the ) Tj ET Q q 0 0 0 rg BT 529.15 422.25 Td (ef) Tj ET Q q 0 0 0 rg BT 536.74 422.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 554.17 422.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 410.25 Td (these ) Tj ET Q q 0 0 0 rg BT 90.55 410.25 Td (items ) Tj ET Q q 0 0 0 rg BT 114.71 410.25 Td (on ) Tj ET Q q 0 0 0 rg BT 127.21 410.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 163.03 410.25 Td (results ) Tj ET Q q 0 0 0 rg BT 191.64 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 208.57 410.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 245.51 410.25 Td (an ) Tj ET Q q 0 0 0 rg BT 257.45 410.25 Td (alternate ) Tj ET Q q 0 0 0 rg BT 294.37 410.25 Td (presentation ) Tj ET Q q 0 0 0 rg BT 345.74 410.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.57 410.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.29 410.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 393.52 410.25 Td (s ) Tj ET Q q 0 0 0 rg BT 399.91 410.25 Td (performance.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 374.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 374.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 374.25 Td (key ) Tj ET Q q 0 0 0 rg BT 106.44 374.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 163.92 374.25 Td (measur) Tj ET Q q 0 0 0 rg BT 195.40 374.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 350.25 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 350.25 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 110.11 350.25 Td (as ) Tj ET Q q 0 0 0 rg BT 121.06 350.25 Td (of ) Tj ET Q q 0 0 0 rg BT 132.01 350.25 Td (December ) Tj ET Q q 0 0 0 rg BT 175.71 350.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 190.83 350.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 215.76 350.25 Td (The ) Tj ET Q q 0 0 0 rg BT 233.93 350.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 258.77 350.25 Td (III ) Tj ET Q q 0 0 0 rg BT 271.38 350.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 315.09 350.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 346.86 350.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 404.46 350.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 430.41 350.25 Td (and ) Tj ET Q q 0 0 0 rg BT 447.47 350.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 476.74 350.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 501.58 350.25 Td (\(which ) Tj ET Q q 0 0 0 rg BT 531.97 350.25 Td (became ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 338.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 88.79 338.25 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 130.08 338.25 Td (ef) Tj ET Q q 0 0 0 rg BT 137.67 338.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 167.28 338.25 Td (January ) Tj ET Q q 0 0 0 rg BT 200.78 338.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 210.69 338.25 Td (2019\), ) Tj ET Q q 0 0 0 rg BT 238.93 338.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.77 338.25 Td (the ) Tj ET Q q 0 0 0 rg BT 270.40 338.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 295.02 338.25 Td (III ) Tj ET Q q 0 0 0 rg BT 307.42 338.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 368.70 338.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 404.97 338.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 425.70 338.25 Td (\(SLR\) ) Tj ET Q q 0 0 0 rg BT 461.98 338.25 Td (\(which ) Tj ET Q q 0 0 0 rg BT 492.16 338.25 Td (was ) Tj ET Q q 0 0 0 rg BT 510.12 338.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 531.41 338.25 Td (phased-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 326.25 Td (in ) Tj ET Q q 0 0 0 rg BT 77.16 326.25 Td (ef) Tj ET Q q 0 0 0 rg BT 84.75 326.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 113.84 326.25 Td (January ) Tj ET Q q 0 0 0 rg BT 146.82 326.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 156.21 326.25 Td (2018\), ) Tj ET Q q 0 0 0 rg BT 183.92 326.25 Td (are ) Tj ET Q q 0 0 0 rg BT 198.01 326.25 Td (all ) Tj ET Q q 0 0 0 rg BT 209.89 326.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 255.09 326.25 Td (key ) Tj ET Q q 0 0 0 rg BT 271.42 326.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 314.39 326.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 342.93 326.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 384.39 326.25 Td (The ) Tj ET Q q 0 0 0 rg BT 401.82 326.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 430.35 326.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 469.99 326.25 Td (of ) Tj ET Q q 0 0 0 rg BT 480.21 326.25 Td (the ) Tj ET Q q 0 0 0 rg BT 494.31 326.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 515.64 326.25 Td (is ) Tj ET Q q 0 0 0 rg BT 524.19 326.25 Td (evaluated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 314.25 Td (against ) Tj ET Q q 0 0 0 rg BT 98.07 314.25 Td (the ) Tj ET Q q 0 0 0 rg BT 112.53 314.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 137.00 314.25 Td (III ) Tj ET Q q 0 0 0 rg BT 149.23 314.25 Td (approach ) Tj ET Q q 0 0 0 rg BT 188.13 314.25 Td (\(Standardized ) Tj ET Q q 0 0 0 rg BT 245.90 314.25 Td (or ) Tj ET Q q 0 0 0 rg BT 255.98 314.25 Td (Advanced\) ) Tj ET Q q 0 0 0 rg BT 302.10 314.25 Td (which, ) Tj ET Q q 0 0 0 rg BT 331.28 314.25 Td (for ) Tj ET Q q 0 0 0 rg BT 345.19 314.25 Td (each ) Tj ET Q q 0 0 0 rg BT 365.75 314.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 393.66 314.25 Td (, ) Tj ET Q q 0 0 0 rg BT 398.41 314.25 Td (results ) Tj ET Q q 0 0 0 rg BT 426.77 314.25 Td (in ) Tj ET Q q 0 0 0 rg BT 436.79 314.25 Td (the ) Tj ET Q q 0 0 0 rg BT 451.25 314.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 476.27 314.25 Td (ratio. ) Tj ET Q q 0 0 0 rg BT 499.18 314.25 Td (These ) Tj ET Q q 0 0 0 rg BT 525.30 314.25 Td (measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 302.25 Td (are ) Tj ET Q q 0 0 0 rg BT 81.06 302.25 Td (used ) Tj ET Q q 0 0 0 rg BT 100.74 302.25 Td (by ) Tj ET Q q 0 0 0 rg BT 112.08 302.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 167.02 302.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 187.81 302.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 231.64 302.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 269.10 302.25 Td (and ) Tj ET Q q 0 0 0 rg BT 284.89 302.25 Td (analysts ) Tj ET Q q 0 0 0 rg BT 318.46 302.25 Td (to ) Tj ET Q q 0 0 0 rg BT 327.58 302.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 353.38 302.25 Td (and ) Tj ET Q q 0 0 0 rg BT 369.16 302.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 402.18 302.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.74 302.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 437.97 302.25 Td (s ) Tj ET Q q 0 0 0 rg BT 443.21 302.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 471.21 302.25 Td (position. ) Tj ET Q q 0 0 0 rg BT 507.29 302.25 Td (For ) Tj ET Q q 0 0 0 rg BT 522.53 302.25 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 290.25 Td (information ) Tj ET Q q 0 0 0 rg BT 116.95 290.25 Td (on ) Tj ET Q q 0 0 0 rg BT 129.19 290.25 Td (these ) Tj ET Q q 0 0 0 rg BT 151.98 290.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 193.92 290.25 Td (see ) Tj ET Q q 0 0 0 rg BT 208.93 290.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 240.05 290.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 260.63 290.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 315.07 290.25 Td (on ) Tj ET Q q 0 0 0 rg BT 327.31 290.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 352.31 290.25 Td (82-91 ) Tj ET Q q 0 0 0 rg BT 377.88 290.25 Td (of ) Tj ET Q q 0 0 0 rg BT 388.45 290.25 Td (the ) Tj ET Q q 0 0 0 rg BT 402.91 290.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 425.13 290.25 Td (s ) Tj ET Q q 0 0 0 rg BT 430.77 290.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 462.45 290.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 491.90 290.25 Td (on ) Tj ET Q q 0 0 0 rg BT 504.14 290.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 528.05 290.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 550.84 290.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 278.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.47 278.25 Td (year ) Tj ET Q q 0 0 0 rg BT 102.44 278.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 129.07 278.25 Td (December ) Tj ET Q q 0 0 0 rg BT 172.92 278.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 188.17 278.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 213.43 278.25 Td (and ) Tj ET Q q 0 0 0 rg BT 230.63 278.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 256.15 278.25 Td (44-48 ) Tj ET Q q 0 0 0 rg BT 282.24 278.25 Td (of ) Tj ET Q q 0 0 0 rg BT 293.33 278.25 Td (the ) Tj ET Q q 0 0 0 rg BT 308.30 278.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 330.53 278.25 Td (s ) Tj ET Q q 0 0 0 rg BT 337.18 278.25 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 378.25 278.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 408.23 278.25 Td (on ) Tj ET Q q 0 0 0 rg BT 420.99 278.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 445.41 278.25 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 468.72 278.25 Td (for ) Tj ET Q q 0 0 0 rg BT 483.14 278.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.12 278.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 536.97 278.25 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 266.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 93.88 266.25 Td (September ) Tj ET Q q 0 0 0 rg BT 139.14 266.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 154.14 266.25 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 242.25 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 242.25 Td (Core ) Tj ET Q q 0 0 0 rg BT 89.14 242.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 112.44 242.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 151.28 242.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.59 242.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 220.10 242.25 Td (central ) Tj ET Q q 0 0 0 rg BT 249.50 242.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.48 242.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.89 242.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 296.12 242.25 Td (s ) Tj ET Q q 0 0 0 rg BT 302.21 242.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 337.18 242.25 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 384.38 242.25 Td (core ) Tj ET Q q 0 0 0 rg BT 403.78 242.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 427.09 242.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 460.38 242.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 483.69 242.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 523.65 242.25 Td (as ) Tj ET Q q 0 0 0 rg BT 534.17 242.25 Td (trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 230.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.83 230.25 Td (runof) Tj ET Q q 0 0 0 rg BT 117.31 230.25 Td (f ) Tj ET Q q 0 0 0 rg BT 123.14 230.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 167.03 230.25 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 220.63 230.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 262.02 230.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.96 230.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 320.34 230.25 Td (the ) Tj ET Q q 0 0 0 rg BT 335.06 230.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 357.01 230.25 Td (has ) Tj ET Q q 0 0 0 rg BT 372.84 230.25 Td (an ) Tj ET Q q 0 0 0 rg BT 384.78 230.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 410.05 230.25 Td (to ) Tj ET Q q 0 0 0 rg BT 420.33 230.25 Td (exit.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 97.57 740.25 Td (notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (2. ) Tj ET Q q 0 0 0 rg BT 59.50 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 62.00 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 64.50 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.00 710.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 86.72 710.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 115.87 710.25 Td (months ) Tj ET Q q 0 0 0 rg BT 147.82 710.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 160.78 710.25 Td (TM\).) 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 (stock ) Tj ET Q q 0 0 0 rg BT 118.88 692.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 146.38 692.25 Td (to ) Tj ET Q q 0 0 0 rg BT 156.66 692.25 Td (employees.) 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 113.29 674.25 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 165.76 674.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 189.90 674.25 Td (in ) Tj ET Q q 0 0 0 rg BT 199.61 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 213.75 674.25 Td (bullet ) Tj ET Q q 0 0 0 rg BT 238.45 674.25 Td (points ) Tj ET Q q 0 0 0 rg BT 264.83 674.25 Td (are ) Tj ET Q q 0 0 0 rg BT 278.96 674.25 Td (for ) Tj ET Q q 0 0 0 rg BT 292.55 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.69 674.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 333.05 674.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 363.30 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 373.55 674.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 395.48 674.25 Td (versus ) Tj ET Q q 0 0 0 rg BT 422.96 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.10 674.25 Td (prior) Tj ET Q q 0 0 0 rg BT 456.34 674.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 478.80 674.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 505.17 674.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 533.08 674.25 Td (, ) Tj ET Q q 0 0 0 rg BT 537.51 674.25 Td (unless ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 108.88 662.25 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 (Credit ) Tj ET Q q 0 0 0 rg BT 95.59 626.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 134.24 626.25 Td (to ) Tj ET Q q 0 0 0 rg BT 145.11 626.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 174.32 626.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 217.95 626.25 Td (new ) Tj ET Q q 0 0 0 rg BT 237.71 626.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.25 626.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 292.21 626.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 320.57 626.25 Td (including ) Tj ET Q q 0 0 0 rg BT 361.45 626.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 385.65 626.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.19 626.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 463.23 626.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 491.32 626.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 529.96 626.25 Td (to ) Tj ET Q q 0 0 0 rg BT 540.84 626.25 Td (small ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 112.18 614.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 144.06 614.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 167.62 614.25 Td (and ) Tj ET Q q 0 0 0 rg BT 184.51 614.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 224.72 614.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 246.06 614.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.85 614.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 282.07 614.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 320.07 614.25 Td (by ) Tj ET Q q 0 0 0 rg BT 332.52 614.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 376.09 614.25 Td (& ) Tj ET Q q 0 0 0 rg BT 386.32 614.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 424.34 614.25 Td (Banking; ) Tj ET Q q 0 0 0 rg BT 463.46 614.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 487.85 614.25 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 528.62 614.25 Td (Services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 602.25 Td (& ) Tj ET Q q 0 0 0 rg BT 77.31 602.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 102.70 602.25 Td (and ) Tj ET Q q 0 0 0 rg BT 119.75 602.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 171.79 602.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 210.78 602.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 238.39 602.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 276.55 602.25 Td (to ) Tj ET Q q 0 0 0 rg BT 286.93 602.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 326.76 602.25 Td (and ) Tj ET Q q 0 0 0 rg BT 343.81 602.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 364.20 602.25 Td (and ) Tj ET Q q 0 0 0 rg BT 381.25 602.25 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 419.97 602.25 Td (government ) Tj ET Q q 0 0 0 rg BT 470.35 602.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 504.34 602.25 Td (including ) Tj ET Q q 0 0 0 rg BT 544.72 602.25 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 96.77 590.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 160.47 590.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 200.58 590.25 Td (and ) Tj ET Q q 0 0 0 rg BT 219.57 590.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 272.73 590.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 317.82 590.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 345.13 590.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 385.23 590.25 Td (by ) Tj ET Q q 0 0 0 rg BT 399.78 590.25 Td (the ) Tj ET Q q 0 0 0 rg BT 416.55 590.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 461.08 590.25 Td (& ) Tj ET Q q 0 0 0 rg BT 473.41 590.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 522.40 590.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 548.06 590.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 578.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 119.43 578.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 560.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (As ) Tj ET Q q 0 0 0 rg BT 81.62 560.25 Td (a ) Tj ET Q q 0 0 0 rg BT 89.06 560.25 Td (result ) Tj ET Q q 0 0 0 rg BT 114.27 560.25 Td (of ) Tj ET Q q 0 0 0 rg BT 125.61 560.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.61 560.25 Td (TCJA, ) Tj ET Q q 0 0 0 rg BT 170.00 560.25 Td (thethreemonths ) Tj ET Q q 0 0 0 rg BT 239.65 560.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 266.53 560.25 Td (December ) Tj ET Q q 0 0 0 rg BT 310.62 560.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 326.12 560.25 Td (2018reflectsareduction ) Tj ET Q q 0 0 0 rg BT 428.25 560.25 Td (of ) Tj ET Q q 0 0 0 rg BT 439.58 560.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 500.34 560.25 Td ($163 ) Tj ET Q q 0 0 0 rg BT 523.34 560.25 Td (millionin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (FTE ) Tj ET Q q 0 0 0 rg BT 87.86 548.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 138.21 548.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 180.22 548.25 Td (with ) Tj ET Q q 0 0 0 rg BT 200.58 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 215.37 548.25 Td (prioryear) Tj ET Q q 0 0 0 rg BT 254.12 548.25 Td (, ) Tj ET Q q 0 0 0 rg BT 259.20 548.25 Td (which ) Tj ET Q q 0 0 0 rg BT 286.22 548.25 Td (included ) Tj ET Q q 0 0 0 rg BT 323.23 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.03 548.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 378.93 548.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 408.72 548.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.63 548.25 Td ($259 ) Tj ET Q q 0 0 0 rg BT 442.21 548.25 Td (million ) Tj ET Q q 0 0 0 rg BT 473.69 548.25 Td (from ) Tj ET Q q 0 0 0 rg BT 495.71 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 510.50 548.25 Td (enactment ) Tj ET Q q 0 0 0 rg BT 554.17 548.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.04 536.25 Td (TCJA.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 518.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 518.25 Td (three ) Tj ET Q q 0 0 0 rg BT 108.03 518.25 Td (months ) Tj ET Q q 0 0 0 rg BT 139.98 518.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 166.36 518.25 Td (December ) Tj ET Q q 0 0 0 rg BT 209.94 518.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 224.94 518.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 247.44 518.25 Td (included ) Tj ET Q q 0 0 0 rg BT 284.38 518.25 Td (a ) Tj ET Q q 0 0 0 rg BT 291.31 518.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 309.38 518.25 Td (of ) Tj ET Q q 0 0 0 rg BT 320.21 518.25 Td ($143mm ) Tj ET Q q 0 0 0 rg BT 358.26 518.25 Td (on ) Tj ET Q q 0 0 0 rg BT 370.76 518.25 Td (a ) Tj ET Q q 0 0 0 rg BT 377.70 518.25 Td (mar) Tj ET Q q 0 0 0 rg BT 393.07 518.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 408.34 518.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 428.06 518.25 Td (to ) Tj ET Q q 0 0 0 rg BT 438.34 518.25 Td (a ) Tj ET Q q 0 0 0 rg BT 445.28 518.25 Td (single ) Tj ET Q q 0 0 0 rg BT 471.67 518.25 Td (client.) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 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 (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 725.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 75.99 725.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 91.74 725.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 117.48 725.70 Td (& ) Tj ET Q q 0 0 0 rg BT 126.56 725.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 142.03 725.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 175.56 725.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 198.54 725.70 Td (is ) Tj ET Q q 0 0 0 rg BT 206.51 725.70 Td (a ) Tj ET Q q 0 0 0 rg BT 212.25 725.70 Td (leading ) Tj ET Q q 0 0 0 rg BT 242.99 725.70 Td (global ) Tj ET Q q 0 0 0 rg BT 269.29 725.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 305.57 725.70 Td (services ) Tj ET Q q 0 0 0 rg BT 339.08 725.70 Td (firm ) Tj ET Q q 0 0 0 rg BT 357.61 725.70 Td (with ) Tj ET Q q 0 0 0 rg BT 376.69 725.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 401.32 725.70 Td (of) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 409.65 725.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.22 725.70 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 430.02 725.70 Td (trillion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.24 725.70 Td ( ) Tj ET Q q 0 0 0 rg BT 458.54 725.70 Td (and ) Tj ET Q q 0 0 0 rg BT 474.29 725.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 517.25 725.70 Td (worldwide. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.70 Td (The ) Tj ET Q q 0 0 0 rg BT 67.21 713.70 Td (Firm ) Tj ET Q q 0 0 0 rg BT 88.82 713.70 Td (is ) Tj ET Q q 0 0 0 rg BT 97.65 713.70 Td (a ) Tj ET Q q 0 0 0 rg BT 104.26 713.70 Td (leader ) Tj ET Q q 0 0 0 rg BT 130.84 713.70 Td (in ) Tj ET Q q 0 0 0 rg BT 140.78 713.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 186.83 713.70 Td (banking, ) Tj ET Q q 0 0 0 rg BT 223.71 713.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 260.85 713.70 Td (services ) Tj ET Q q 0 0 0 rg BT 295.22 713.70 Td (for ) Tj ET Q q 0 0 0 rg BT 309.05 713.70 Td (consumers ) Tj ET Q q 0 0 0 rg BT 353.98 713.70 Td (and ) Tj ET Q q 0 0 0 rg BT 370.58 713.70 Td (small ) Tj ET Q q 0 0 0 rg BT 394.41 713.70 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 441.29 713.70 Td (commercial ) Tj ET Q q 0 0 0 rg BT 490.65 713.70 Td (banking, ) Tj ET Q q 0 0 0 rg BT 527.53 713.70 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 701.70 Td (transaction ) Tj ET Q q 0 0 0 rg BT 95.60 701.70 Td (processing, ) Tj ET Q q 0 0 0 rg BT 143.09 701.70 Td (and ) Tj ET Q q 0 0 0 rg BT 159.75 701.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 181.41 701.70 Td (management. ) Tj ET Q q 0 0 0 rg BT 236.74 701.70 Td (A) Tj ET Q q 0 0 0 rg BT 243.41 701.70 Td ( ) Tj ET Q q 0 0 0 rg BT 245.63 701.70 Td (component ) Tj ET Q q 0 0 0 rg BT 292.29 701.70 Td (of ) Tj ET Q q 0 0 0 rg BT 302.84 701.70 Td (the ) Tj ET Q q 0 0 0 rg BT 317.28 701.70 Td (Dow ) Tj ET Q q 0 0 0 rg BT 338.95 701.70 Td (Jones ) Tj ET Q q 0 0 0 rg BT 363.40 701.70 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 403.46 701.70 Td (A) Tj ET Q q 0 0 0 rg BT 409.93 701.70 Td (verage, ) Tj ET Q q 0 0 0 rg BT 441.30 701.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 467.80 701.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 484.46 701.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 511.12 701.70 Td (& ) Tj ET Q q 0 0 0 rg BT 521.13 701.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 537.52 701.70 Td (serves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 689.70 Td (millions ) Tj ET Q q 0 0 0 rg BT 84.29 689.70 Td (of ) Tj ET Q q 0 0 0 rg BT 94.63 689.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 137.19 689.70 Td (in ) Tj ET Q q 0 0 0 rg BT 146.97 689.70 Td (the ) Tj ET Q q 0 0 0 rg BT 161.20 689.70 Td (United ) Tj ET Q q 0 0 0 rg BT 190.42 689.70 Td (States ) Tj ET Q q 0 0 0 rg BT 216.32 689.70 Td (and ) Tj ET Q q 0 0 0 rg BT 232.76 689.70 Td (many ) Tj ET Q q 0 0 0 rg BT 256.99 689.70 Td (of ) Tj ET Q q 0 0 0 rg BT 267.33 689.70 Td (the ) Tj ET Q q 0 0 0 rg BT 281.55 689.70 Td (world? Tj ET Q q 0 0 0 rg BT 307.66 689.70 Td (s ) Tj ET Q q 0 0 0 rg BT 313.56 689.70 Td (most ) Tj ET Q q 0 0 0 rg BT 335.02 689.70 Td (prominent ) Tj ET Q q 0 0 0 rg BT 378.13 689.70 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 420.39 689.70 Td (institutional ) Tj ET Q q 0 0 0 rg BT 470.18 689.70 Td (and ) Tj ET Q q 0 0 0 rg BT 486.62 689.70 Td (government ) Tj ET Q q 0 0 0 rg BT 536.40 689.70 Td (clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.70 Td (under ) Tj ET Q q 0 0 0 rg BT 74.77 677.70 Td (its ) Tj ET Q q 0 0 0 rg BT 86.72 677.70 Td (J.P) Tj ET Q q 0 0 0 rg BT 97.56 677.70 Td (. ) Tj ET Q q 0 0 0 rg BT 102.56 677.70 Td (Mor) Tj ET Q q 0 0 0 rg BT 119.60 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 136.54 677.70 Td (and ) Tj ET Q q 0 0 0 rg BT 153.48 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 180.42 677.70 Td (brands. ) Tj ET Q q 0 0 0 rg BT 212.08 677.70 Td (Information ) Tj ET Q q 0 0 0 rg BT 262.34 677.70 Td (about ) Tj ET Q q 0 0 0 rg BT 287.06 677.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 313.55 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 330.49 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 357.43 677.70 Td (& ) Tj ET Q q 0 0 0 rg BT 367.71 677.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 384.38 677.70 Td (is ) Tj ET Q q 0 0 0 rg BT 393.55 677.70 Td (available ) Tj ET Q q 0 0 0 rg BT 432.14 677.70 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 441.85 677.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 462.87 677.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 489.08 677.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 545.44 677.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 75.99 653.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 92.88 653.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 119.77 653.70 Td (& ) Tj ET Q q 0 0 0 rg BT 130.00 653.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 146.61 653.70 Td (will ) Tj ET Q q 0 0 0 rg BT 164.62 653.70 Td (host ) Tj ET Q q 0 0 0 rg BT 183.74 653.70 Td (a ) Tj ET Q q 0 0 0 rg BT 190.63 653.70 Td (conference ) Tj ET Q q 0 0 0 rg BT 236.93 653.70 Td (call ) Tj ET Q q 0 0 0 rg BT 253.81 653.70 Td (today) Tj ET Q q 0 0 0 rg BT 275.38 653.70 Td (, ) Tj ET Q q 0 0 0 rg BT 280.33 653.70 Td (January ) Tj ET Q q 0 0 0 rg BT 313.87 653.70 Td (15, ) Tj ET Q q 0 0 0 rg BT 328.82 653.70 Td (2019, ) Tj ET Q q 0 0 0 rg BT 353.77 653.70 Td (at ) Tj ET Q q 0 0 0 rg BT 363.44 653.70 Td (8:30 ) Tj ET Q q 0 0 0 rg BT 383.66 653.70 Td (a.m. ) Tj ET Q q 0 0 0 rg BT 403.33 653.70 Td (\(Eastern\) ) Tj ET Q q 0 0 0 rg BT 442.42 653.70 Td (to ) Tj ET Q q 0 0 0 rg BT 452.65 653.70 Td (present ) Tj ET Q q 0 0 0 rg BT 483.98 653.70 Td (fourth-quarter ) Tj ET Q q 0 0 0 rg BT 542.51 653.70 Td (2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.91 641.70 Td (results. ) Tj ET Q q 0 0 0 rg BT 117.78 641.70 Td (The ) Tj ET Q q 0 0 0 rg BT 135.76 641.70 Td (general ) Tj ET Q q 0 0 0 rg BT 167.62 641.70 Td (public ) Tj ET Q q 0 0 0 rg BT 195.05 641.70 Td (can ) Tj ET Q q 0 0 0 rg BT 211.36 641.70 Td (access ) Tj ET Q q 0 0 0 rg BT 239.33 641.70 Td (the ) Tj ET Q q 0 0 0 rg BT 253.98 641.70 Td (call ) Tj ET Q q 0 0 0 rg BT 270.85 641.70 Td (by ) Tj ET Q q 0 0 0 rg BT 283.28 641.70 Td (dialing ) Tj ET Q q 0 0 0 rg BT 313.49 641.70 Td (\(866\) ) Tj ET Q q 0 0 0 rg BT 337.59 641.70 Td (541-2724 ) Tj ET Q q 0 0 0 rg BT 378.35 641.70 Td (in ) Tj ET Q q 0 0 0 rg BT 388.56 641.70 Td (the ) Tj ET Q q 0 0 0 rg BT 403.21 641.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 423.43 641.70 Td (and ) Tj ET Q q 0 0 0 rg BT 440.30 641.70 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 475.22 641.70 Td (or ) Tj ET Q q 0 0 0 rg BT 485.99 641.70 Td (\(706\) ) Tj ET Q q 0 0 0 rg BT 510.08 641.70 Td (634-7246 ) Tj ET Q q 0 0 0 rg BT 550.85 641.70 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.70 Td (international ) Tj ET Q q 0 0 0 rg BT 102.95 629.70 Td (participants. ) Tj ET Q q 0 0 0 rg BT 155.02 629.70 Td (Please ) Tj ET Q q 0 0 0 rg BT 183.49 629.70 Td (dial ) Tj ET Q q 0 0 0 rg BT 201.40 629.70 Td (in ) Tj ET Q q 0 0 0 rg BT 212.10 629.70 Td (10 ) Tj ET Q q 0 0 0 rg BT 225.01 629.70 Td (minutes ) Tj ET Q q 0 0 0 rg BT 259.60 629.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.95 629.70 Td (to ) Tj ET Q q 0 0 0 rg BT 292.65 629.70 Td (the ) Tj ET Q q 0 0 0 rg BT 307.78 629.70 Td (start ) Tj ET Q q 0 0 0 rg BT 327.92 629.70 Td (of ) Tj ET Q q 0 0 0 rg BT 339.16 629.70 Td (the ) Tj ET Q q 0 0 0 rg BT 354.30 629.70 Td (call. ) Tj ET Q q 0 0 0 rg BT 373.94 629.70 Td (The ) Tj ET Q q 0 0 0 rg BT 392.40 629.70 Td (live ) Tj ET Q q 0 0 0 rg BT 410.31 629.70 Td (audio ) Tj ET Q q 0 0 0 rg BT 435.45 629.70 Td (webcast ) Tj ET Q q 0 0 0 rg BT 470.57 629.70 Td (and ) Tj ET Q q 0 0 0 rg BT 487.93 629.70 Td (presentation ) Tj ET Q q 0 0 0 rg BT 539.72 629.70 Td (slides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 617.70 Td (will ) Tj ET Q q 0 0 0 rg BT 67.56 617.70 Td (be ) Tj ET Q q 0 0 0 rg BT 79.50 617.70 Td (available ) Tj ET Q q 0 0 0 rg BT 118.08 617.70 Td (on ) Tj ET Q q 0 0 0 rg BT 130.58 617.70 Td (the ) Tj ET Q q 0 0 0 rg BT 145.30 617.70 Td (Firm? Tj ET Q q 0 0 0 rg BT 167.53 617.70 Td (s ) Tj ET Q q 0 0 0 rg BT 173.92 617.70 Td (website, ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 209.47 617.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 230.48 617.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 256.69 617.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 313.05 617.70 Td (, ) Tj ET Q q 0 0 0 rg BT 318.05 617.70 Td (under ) Tj ET Q q 0 0 0 rg BT 343.32 617.70 Td (Investor ) Tj ET Q q 0 0 0 rg BT 378.59 617.70 Td (Relations, ) Tj ET Q q 0 0 0 rg BT 421.36 617.70 Td (Events ) Tj ET Q q 0 0 0 rg BT 451.08 617.70 Td (& ) Tj ET Q q 0 0 0 rg BT 461.36 617.70 Td (Presentations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 593.70 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 593.70 Td ( ) Tj ET Q q 0 0 0 rg BT 58.81 593.70 Td (replay ) Tj ET Q q 0 0 0 rg BT 86.43 593.70 Td (of ) Tj ET Q q 0 0 0 rg BT 97.39 593.70 Td (the ) Tj ET Q q 0 0 0 rg BT 112.25 593.70 Td (conference ) Tj ET Q q 0 0 0 rg BT 158.73 593.70 Td (call ) Tj ET Q q 0 0 0 rg BT 175.80 593.70 Td (will ) Tj ET Q q 0 0 0 rg BT 194.00 593.70 Td (be ) Tj ET Q q 0 0 0 rg BT 206.07 593.70 Td (available ) Tj ET Q q 0 0 0 rg BT 244.79 593.70 Td (beginning ) Tj ET Q q 0 0 0 rg BT 287.42 593.70 Td (at ) Tj ET Q q 0 0 0 rg BT 297.28 593.70 Td (approximately ) Tj ET Q q 0 0 0 rg BT 357.67 593.70 Td (12:30 ) Tj ET Q q 0 0 0 rg BT 383.09 593.70 Td (p.m. ) Tj ET Q q 0 0 0 rg BT 403.50 593.70 Td (on ) Tj ET Q q 0 0 0 rg BT 416.14 593.70 Td (January ) Tj ET Q q 0 0 0 rg BT 449.87 593.70 Td (15, ) Tj ET Q q 0 0 0 rg BT 465.01 593.70 Td (2019, ) Tj ET Q q 0 0 0 rg BT 490.14 593.70 Td (through ) Tj ET Q q 0 0 0 rg BT 523.89 593.70 Td (midnight, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.70 Td (January ) Tj ET Q q 0 0 0 rg BT 83.86 581.70 Td (29, ) Tj ET Q q 0 0 0 rg BT 99.62 581.70 Td (2019, ) Tj ET Q q 0 0 0 rg BT 125.38 581.70 Td (by ) Tj ET Q q 0 0 0 rg BT 138.64 581.70 Td (telephone ) Tj ET Q q 0 0 0 rg BT 180.77 581.70 Td (at ) Tj ET Q q 0 0 0 rg BT 191.25 581.70 Td (\(800\) ) Tj ET Q q 0 0 0 rg BT 216.17 581.70 Td (585-8367 ) Tj ET Q q 0 0 0 rg BT 257.76 581.70 Td (\(U.S. ) Tj ET Q q 0 0 0 rg BT 282.14 581.70 Td (and ) Tj ET Q q 0 0 0 rg BT 299.84 581.70 Td (Canada\) ) Tj ET Q q 0 0 0 rg BT 336.41 581.70 Td (or ) Tj ET Q q 0 0 0 rg BT 348.00 581.70 Td (\(404\) ) Tj ET Q q 0 0 0 rg BT 372.92 581.70 Td (537-3406 ) Tj ET Q q 0 0 0 rg BT 414.52 581.70 Td (\(international\); ) Tj ET Q q 0 0 0 rg BT 477.75 581.70 Td (use ) Tj ET Q q 0 0 0 rg BT 494.34 581.70 Td (Conference ) Tj ET Q q 0 0 0 rg BT 543.69 581.70 Td (ID ) Tj ET Q q 0 0 0 rg BT 557.50 581.70 Td (# ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 569.70 Td (2147608. ) Tj ET Q q 0 0 0 rg BT 91.29 569.70 Td (The ) Tj ET Q q 0 0 0 rg BT 111.45 569.70 Td (replay ) Tj ET Q q 0 0 0 rg BT 141.06 569.70 Td (will ) Tj ET Q q 0 0 0 rg BT 161.23 569.70 Td (also ) Tj ET Q q 0 0 0 rg BT 181.96 569.70 Td (be ) Tj ET Q q 0 0 0 rg BT 196.02 569.70 Td (available ) Tj ET Q q 0 0 0 rg BT 236.73 569.70 Td (via ) Tj ET Q q 0 0 0 rg BT 253.56 569.70 Td (webcast ) Tj ET Q q 0 0 0 rg BT 290.39 569.70 Td (on ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 305.01 569.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 326.03 569.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 352.23 569.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 408.59 569.70 Td ( ) Tj ET Q q 0 0 0 rg BT 413.21 569.70 Td (under ) Tj ET Q q 0 0 0 rg BT 440.60 569.70 Td (Investor ) Tj ET Q q 0 0 0 rg BT 477.99 569.70 Td (Relations, ) Tj ET Q q 0 0 0 rg BT 522.88 569.70 Td (Events ) Tj ET Q q 0 0 0 rg BT 554.72 569.70 Td (& ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 557.70 Td (Presentations. ) Tj ET Q q 0 0 0 rg BT 106.97 557.70 Td (Additional ) Tj ET Q q 0 0 0 rg BT 151.86 557.70 Td (detailed ) Tj ET Q q 0 0 0 rg BT 185.63 557.70 Td (financial, ) Tj ET Q q 0 0 0 rg BT 225.22 557.70 Td (statistical ) Tj ET Q q 0 0 0 rg BT 265.10 557.70 Td (and ) Tj ET Q q 0 0 0 rg BT 281.66 557.70 Td (business-related ) Tj ET Q q 0 0 0 rg BT 348.19 557.70 Td (information ) Tj ET Q q 0 0 0 rg BT 397.52 557.70 Td (is ) Tj ET Q q 0 0 0 rg BT 406.30 557.70 Td (included ) Tj ET Q q 0 0 0 rg BT 442.85 557.70 Td (in ) Tj ET Q q 0 0 0 rg BT 452.74 557.70 Td (a ) Tj ET Q q 0 0 0 rg BT 459.30 557.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 496.39 557.70 Td (supplement. ) Tj ET Q q 0 0 0 rg BT 546.96 557.70 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 545.70 Td (earnings ) Tj ET Q q 0 0 0 rg BT 85.88 545.70 Td (release ) Tj ET Q q 0 0 0 rg BT 116.13 545.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.07 545.70 Td (the ) Tj ET Q q 0 0 0 rg BT 147.79 545.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 185.27 545.70 Td (supplement ) Tj ET Q q 0 0 0 rg BT 233.87 545.70 Td (are ) Tj ET Q q 0 0 0 rg BT 248.58 545.70 Td (available ) Tj ET Q q 0 0 0 rg BT 287.17 545.70 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 296.88 545.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 317.90 545.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 344.10 545.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 400.47 545.70 Td (.) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 521.70 Td (This ) Tj ET Q q 0 0 0 rg BT 69.27 521.70 Td (earnings ) Tj ET Q q 0 0 0 rg BT 106.81 521.70 Td (r) Tj ET Q q 0 0 0 rg BT 110.33 521.70 Td (elease ) Tj ET Q q 0 0 0 rg BT 137.86 521.70 Td (contains ) Tj ET Q q 0 0 0 rg BT 174.29 521.70 Td (forwar) Tj ET Q q 0 0 0 rg BT 201.15 521.70 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 242.01 521.70 Td (statements ) Tj ET Q q 0 0 0 rg BT 286.77 521.70 Td (within ) Tj ET Q q 0 0 0 rg BT 314.31 521.70 Td (the ) Tj ET Q q 0 0 0 rg BT 329.07 521.70 Td (meaning ) Tj ET Q q 0 0 0 rg BT 366.05 521.70 Td (of ) Tj ET Q q 0 0 0 rg BT 376.37 521.70 Td (the ) Tj ET Q q 0 0 0 rg BT 391.13 521.70 Td (Private ) Tj ET Q q 0 0 0 rg BT 423.10 521.70 Td (Securities ) Tj ET Q q 0 0 0 rg BT 465.08 521.70 Td (Litigation ) Tj ET Q q 0 0 0 rg BT 507.07 521.70 Td (Reform ) Tj ET Q q 0 0 0 rg BT 538.86 521.70 Td (Act ) Tj ET Q q 0 0 0 rg BT 554.73 521.70 Td (of ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 509.70 Td (1995. ) Tj ET Q q 0 0 0 rg BT 73.89 509.70 Td (These ) Tj ET Q q 0 0 0 rg BT 99.10 509.70 Td (statements ) Tj ET Q q 0 0 0 rg BT 143.21 509.70 Td (ar) Tj ET Q q 0 0 0 rg BT 151.73 509.70 Td (e ) Tj ET Q q 0 0 0 rg BT 158.05 509.70 Td (based ) Tj ET Q q 0 0 0 rg BT 183.27 509.70 Td (on ) Tj ET Q q 0 0 0 rg BT 195.16 509.70 Td (the ) Tj ET Q q 0 0 0 rg BT 209.26 509.70 Td (curr) Tj ET Q q 0 0 0 rg BT 226.11 509.70 Td (ent ) Tj ET Q q 0 0 0 rg BT 240.22 509.70 Td (beliefs ) Tj ET Q q 0 0 0 rg BT 268.21 509.70 Td (and ) Tj ET Q q 0 0 0 rg BT 285.10 509.70 Td (expectations ) Tj ET Q q 0 0 0 rg BT 336.96 509.70 Td (of ) Tj ET Q q 0 0 0 rg BT 346.63 509.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 374.03 509.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 390.91 509.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 417.80 509.70 Td (& ) Tj ET Q q 0 0 0 rg BT 427.47 509.70 Td (Co.? Tj ET Q q 0 0 0 rg BT 443.68 509.70 Td (s ) Tj ET Q q 0 0 0 rg BT 449.46 509.70 Td (management ) Tj ET Q q 0 0 0 rg BT 502.44 509.70 Td (and ) Tj ET Q q 0 0 0 rg BT 519.33 509.70 Td (ar) Tj ET Q q 0 0 0 rg BT 527.85 509.70 Td (e ) Tj ET Q q 0 0 0 rg BT 534.18 509.70 Td (subject ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 497.70 Td (to ) Tj ET Q q 0 0 0 rg BT 59.34 497.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 103.62 497.70 Td (risks ) Tj ET Q q 0 0 0 rg BT 124.57 497.70 Td (and ) Tj ET Q q 0 0 0 rg BT 141.63 497.70 Td (uncertainties. ) Tj ET Q q 0 0 0 rg BT 198.25 497.70 Td (Actual ) Tj ET Q q 0 0 0 rg BT 226.42 497.70 Td (r) Tj ET Q q 0 0 0 rg BT 229.94 497.70 Td (esults ) Tj ET Q q 0 0 0 rg BT 254.77 497.70 Td (may ) Tj ET Q q 0 0 0 rg BT 273.49 497.70 Td (differ ) Tj ET Q q 0 0 0 rg BT 297.22 497.70 Td (fr) Tj ET Q q 0 0 0 rg BT 303.52 497.70 Td (om ) Tj ET Q q 0 0 0 rg BT 317.80 497.70 Td (those ) Tj ET Q q 0 0 0 rg BT 340.97 497.70 Td (set ) Tj ET Q q 0 0 0 rg BT 354.13 497.70 Td (forth ) Tj ET Q q 0 0 0 rg BT 375.64 497.70 Td (in ) Tj ET Q q 0 0 0 rg BT 385.48 497.70 Td (the ) Tj ET Q q 0 0 0 rg BT 399.76 497.70 Td (forwar) Tj ET Q q 0 0 0 rg BT 426.62 497.70 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 467.00 497.70 Td (statements. ) Tj ET Q q 0 0 0 rg BT 513.78 497.70 Td (Factors ) Tj ET Q q 0 0 0 rg BT 546.95 497.70 Td (that ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 485.70 Td (could ) Tj ET Q q 0 0 0 rg BT 74.36 485.70 Td (cause ) Tj ET Q q 0 0 0 rg BT 99.78 485.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 127.18 485.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 144.82 485.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 172.47 485.70 Td (& ) Tj ET Q q 0 0 0 rg BT 182.89 485.70 Td (Co.? Tj ET Q q 0 0 0 rg BT 199.10 485.70 Td (s ) Tj ET Q q 0 0 0 rg BT 205.64 485.70 Td (actual ) Tj ET Q q 0 0 0 rg BT 233.28 485.70 Td (r) Tj ET Q q 0 0 0 rg BT 236.80 485.70 Td (esults ) Tj ET Q q 0 0 0 rg BT 262.23 485.70 Td (to ) Tj ET Q q 0 0 0 rg BT 272.65 485.70 Td (differ ) Tj ET Q q 0 0 0 rg BT 296.97 485.70 Td (materially ) Tj ET Q q 0 0 0 rg BT 340.72 485.70 Td (fr) Tj ET Q q 0 0 0 rg BT 347.01 485.70 Td (om ) Tj ET Q q 0 0 0 rg BT 361.88 485.70 Td (those ) Tj ET Q q 0 0 0 rg BT 385.64 485.70 Td (described ) Tj ET Q q 0 0 0 rg BT 427.16 485.70 Td (in ) Tj ET Q q 0 0 0 rg BT 437.59 485.70 Td (the ) Tj ET Q q 0 0 0 rg BT 452.45 485.70 Td (forwar) Tj ET Q q 0 0 0 rg BT 479.31 485.70 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 520.28 485.70 Td (statements ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 473.70 Td (can ) Tj ET Q q 0 0 0 rg BT 66.75 473.70 Td (be ) Tj ET Q q 0 0 0 rg BT 79.01 473.70 Td (found ) Tj ET Q q 0 0 0 rg BT 104.60 473.70 Td (in ) Tj ET Q q 0 0 0 rg BT 115.19 473.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 142.59 473.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 160.41 473.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 188.22 473.70 Td (& ) Tj ET Q q 0 0 0 rg BT 198.81 473.70 Td (Co.? Tj ET Q q 0 0 0 rg BT 215.02 473.70 Td (s ) Tj ET Q q 0 0 0 rg BT 221.53 473.70 Td (Annual ) Tj ET Q q 0 0 0 rg BT 253.23 473.70 Td (Report ) Tj ET Q q 0 0 0 rg BT 283.26 473.70 Td (on ) Tj ET Q q 0 0 0 rg BT 296.08 473.70 Td (Form ) Tj ET Q q 0 0 0 rg BT 321.11 473.70 Td (10-K ) Tj ET Q q 0 0 0 rg BT 343.93 473.70 Td (for ) Tj ET Q q 0 0 0 rg BT 358.41 473.70 Td (the ) Tj ET Q q 0 0 0 rg BT 373.44 473.70 Td (year ) Tj ET Q q 0 0 0 rg BT 394.03 473.70 Td (ended ) Tj ET Q q 0 0 0 rg BT 420.72 473.70 Td (December ) Tj ET Q q 0 0 0 rg BT 464.62 473.70 Td (31, ) Tj ET Q q 0 0 0 rg BT 479.94 473.70 Td (2017, ) Tj ET Q q 0 0 0 rg BT 505.25 473.70 Td (and ) Tj ET Q q 0 0 0 rg BT 523.07 473.70 Td (Quarterly ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 461.70 Td (Reports ) Tj ET Q q 0 0 0 rg BT 83.00 461.70 Td (on ) Tj ET Q q 0 0 0 rg BT 95.38 461.70 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.99 461.70 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 142.93 461.70 Td (for ) Tj ET Q q 0 0 0 rg BT 156.99 461.70 Td (the ) Tj ET Q q 0 0 0 rg BT 171.59 461.70 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 211.20 461.70 Td (periods ) Tj ET Q q 0 0 0 rg BT 243.59 461.70 Td (ended ) Tj ET Q q 0 0 0 rg BT 269.85 461.70 Td (September ) Tj ET Q q 0 0 0 rg BT 314.45 461.70 Td (30, ) Tj ET Q q 0 0 0 rg BT 329.33 461.70 Td (2018, ) Tj ET Q q 0 0 0 rg BT 354.22 461.70 Td (June ) Tj ET Q q 0 0 0 rg BT 375.49 461.70 Td (30, ) Tj ET Q q 0 0 0 rg BT 390.37 461.70 Td (2018 ) Tj ET Q q 0 0 0 rg BT 412.76 461.70 Td (and ) Tj ET Q q 0 0 0 rg BT 430.15 461.70 Td (Mar) Tj ET Q q 0 0 0 rg BT 447.00 461.70 Td (ch ) Tj ET Q q 0 0 0 rg BT 458.83 461.70 Td (31, ) Tj ET Q q 0 0 0 rg BT 473.71 461.70 Td (2018 ) Tj ET Q q 0 0 0 rg BT 496.10 461.70 Td (which ) Tj ET Q q 0 0 0 rg BT 522.38 461.70 Td (have ) Tj ET Q q 0 0 0 rg BT 543.64 461.70 Td (been ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 449.70 Td (filed ) Tj ET Q q 0 0 0 rg BT 72.92 449.70 Td (with ) Tj ET Q q 0 0 0 rg BT 95.80 449.70 Td (the ) Tj ET Q q 0 0 0 rg BT 113.66 449.70 Td (Securities ) Tj ET Q q 0 0 0 rg BT 158.74 449.70 Td (and ) Tj ET Q q 0 0 0 rg BT 179.39 449.70 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 224.46 449.70 Td (Commission ) Tj ET Q q 0 0 0 rg BT 279.56 449.70 Td (and ) Tj ET Q q 0 0 0 rg BT 300.21 449.70 Td (ar) Tj ET Q q 0 0 0 rg BT 308.73 449.70 Td (e ) Tj ET Q q 0 0 0 rg BT 318.82 449.70 Td (available ) Tj ET Q q 0 0 0 rg BT 361.68 449.70 Td (on ) Tj ET Q q 0 0 0 rg BT 377.33 449.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 404.72 449.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 425.37 449.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 456.02 449.70 Td (& ) Tj ET Q q 0 0 0 rg BT 469.45 449.70 Td (Co.? Tj ET Q q 0 0 0 rg BT 485.66 449.70 Td (s ) Tj ET Q q 0 0 0 rg BT 495.20 449.70 Td (website ) Tj ET Q q 0 0 0 rg BT 530.84 449.70 Td (\() Tj ET Q BT /F5 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.43137254901960786 0.7490196078431373 rg BT 534.17 449.70 Td (https://) Tj ET Q BT /F5 10.00 Tf ET q 0 0.43137254901960786 0.7490196078431373 rg BT 49.50 437.70 Td (jpmor) Tj ET Q q 0 0.43137254901960786 0.7490196078431373 rg BT 73.02 437.70 Td (ganchaseco.gcs-web.com/financial-information/sec-filings) Tj ET Q BT /F5 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 307.42 437.70 Td (\), ) Tj ET Q q 0 0 0 rg BT 317.35 437.70 Td (and ) Tj ET Q q 0 0 0 rg BT 336.45 437.70 Td (on ) Tj ET Q q 0 0 0 rg BT 350.55 437.70 Td (the ) Tj ET Q q 0 0 0 rg BT 366.87 437.70 Td (Securities ) Tj ET Q q 0 0 0 rg BT 410.40 437.70 Td (and ) Tj ET Q q 0 0 0 rg BT 429.50 437.70 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 473.02 437.70 Td (Commission? Tj ET Q q 0 0 0 rg BT 524.51 437.70 Td (s ) Tj ET Q q 0 0 0 rg BT 532.50 437.70 Td (website ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 425.70 Td (\() Tj ET Q BT /F5 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.43137254901960786 0.7490196078431373 rg BT 52.83 425.70 Td (www) Tj ET Q q 0 0.43137254901960786 0.7490196078431373 rg BT 72.10 425.70 Td (.sec.gov) Tj ET Q BT /F5 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.30 425.70 Td (\). ) Tj ET Q q 0 0 0 rg BT 112.63 425.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 140.03 425.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 157.53 425.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 185.03 425.70 Td (& ) Tj ET Q q 0 0 0 rg BT 195.31 425.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 211.98 425.70 Td (does ) Tj ET Q q 0 0 0 rg BT 232.81 425.70 Td (not ) Tj ET Q q 0 0 0 rg BT 248.09 425.70 Td (undertake ) Tj ET Q q 0 0 0 rg BT 290.57 425.70 Td (to ) Tj ET Q q 0 0 0 rg BT 300.85 425.70 Td (update ) Tj ET Q q 0 0 0 rg BT 330.57 425.70 Td (any ) Tj ET Q q 0 0 0 rg BT 347.51 425.70 Td (forwar) Tj ET Q q 0 0 0 rg BT 374.37 425.70 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 415.19 425.70 Td (statements.) Tj ET Q endstream endobj 19 0 obj <> /View <>>>>> endobj 20 0 obj <> /View <>>>>> endobj 21 0 obj <> endobj 22 0 obj <> stream xy\E?~nM{{wޑ?d??2? HaG?PPA!"???b???h??TLy??uk?uΩo?H""??W?~.Xv?&rm 2\jMgwm'Cڴzl?ycǏ\ rBj?x?\DsV@?{twocmC{Iwl???1zh?1m!t-\q3D?.:yz'Wp[_F=??E"Ǣ?|K&_~?!??wn-az3¦h??V,?2bOo_eSFLlk}Fg[F>|??)EO?ii-ž%7??y??sO$p?oHn3?i@֫X?|?%?-6m5x<|'lC s~?d? r5?]ifx?9ZBT fun88