%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 (383 Madison ) Tj ET Q q 0 0 0 rg BT 65.00 761.26 Td (A) Tj ET Q q 0 0 0 rg BT 70.83 761.26 Td (venue, New ) Tj ET Q q 0 0 0 rg BT 115.73 761.26 Td (Y) Tj ET Q q 0 0 0 rg BT 121.33 761.26 Td (ork, NY) Tj ET Q q 0 0 0 rg BT 150.49 761.26 Td ( 10179-0001) 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 67 m 371.5 67 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 67 m 601.5 67 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 12.00 58.26 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 58.26 Td ( ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 50.82 Td (1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 47.65 Td (Percentage comparisons noted in the bullet points are for the first quarter of 2020 versus the prior) Tj ET Q q 0 0 0 rg BT 287.06 47.65 Td (-year first quarter) Tj ET Q q 0 0 0 rg BT 335.75 47.65 Td (, unless ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 12.00 40.65 Td (otherwise specified. ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 36.82 Td (2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 33.65 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 82.65 33.65 Td ( financial measures, including managed basis reporting, see page 6.) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 29.82 Td (3) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 26.65 Td (Includes CECL) Tj ET Q q 0 0 0 rg BT 57.37 26.65 Td ( capital transition provisions, see page 7.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 12.00 19.65 Td ( For additional notes see page 7.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 58.26 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 27.40 721.60 Td ( JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 175.21 721.60 Td (TS FIRST) Tj ET Q q 0 0 0 rg BT 222.80 721.60 Td (-QUAR) Tj ET Q q 0 0 0 rg BT 258.46 721.60 Td (TER 2020 NET) Tj ET Q q 0 0 0 rg BT 331.00 721.60 Td ( INCOME OF) Tj ET Q q 0 0 0 rg BT 397.81 721.60 Td ( $2.9 BILLION, OR $0.78 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 18.5 711.1 m 18.5 707.1 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 594.5 711.1 m 594.5 707.1 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 18.5 711.1 m 594.5 711.1 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 18.5 707.1 m 594.5 707.1 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 18.00 695.60 Td (FIRST) Tj ET Q q 0 0 0 rg BT 46.54 695.60 Td (-QUAR) Tj ET Q q 0 0 0 rg BT 78.96 695.60 Td (TER 2020 RESUL) Tj ET Q q 0 0 0 rg BT 156.95 695.60 Td (TS) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 169.18 700.13 Td (1) Tj ET Q 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 85.50 685.10 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 240.50 685.10 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 395.50 685.10 130.00 -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 130.50 672.52 Td (ROE 4%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 122.55 659.52 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 157.55 664.29 Td (2 ) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 162.97 659.52 Td (5%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 255.65 671.02 Td (CET1 Capital Ratios) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 350.67 675.79 Td (3) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 251.35 661.02 Td (Std. 1) Tj ET Q q 1 1 1 rg BT 278.02 661.02 Td (1.5%; ) Tj ET Q q 1 1 1 rg BT 306.56 661.02 Td (Adv) Tj ET Q q 1 1 1 rg BT 324.70 661.02 Td (. 12.3%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 418.35 671.02 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 478.16 671.02 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 492.60 675.79 Td (4,5) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 447.20 661.02 Td (124%) 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 527.00 652.60 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 18.50 642.10 50.00 -86.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 18.50 552.10 50.00 -72.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 18.50 476.10 50.00 -87.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 gs 18.50 385.10 50.00 -72.00 re f /GS0 gs 0.5176470588235295 0.29411764705882354 0.1568627450980392 rg /GS0 gs 18.50 309.10 50.00 -60.00 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 21.05 601.52 Td (Firmwide) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 25.45 591.52 Td (Metrics) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 629.84 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 82.00 632.46 Td (Reported revenue of $28.3 billion; managed revenue of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 623.46 Td ($29.1 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 128.00 627.54 Td (2) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 605.84 cm /I2 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 609.36 Td (Credit costs of $8.3 billion, including reserve builds of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 600.36 Td ($6.8 billion) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 583.84 cm /I3 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 587.36 Td (End-of-period \(EOP\) loans up 6%, or up 9% excluding ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 578.41 Td (the impact of loan sales in Home Lending) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 561.24 cm /I4 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 563.96 Td (EOP) Tj ET Q q 0 0 0 rg BT 98.84 563.96 Td ( deposits up 23%) 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 32.15 526.07 Td (CCB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 27.40 503.53 Td (ROE 1% ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 539.84 cm /I5 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 82.00 543.36 Td (EOP) Tj ET Q q 0 0 0 rg BT 98.67 543.36 Td ( loans down 7%; Home Lending loans down 15%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 532.56 Td (impacted by loan sales; credit card loans up 2%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 515.84 cm /I6 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 518.46 Td (EOP) Tj ET Q q 0 0 0 rg BT 98.67 518.46 Td ( deposits up 10%; client investment assets up 3%; ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 509.46 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 169.21 513.54 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 172.14 509.46 Td ( up 4%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 491.84 cm /I7 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 494.46 Td (Credit costs of $5.8 billion, including reserve builds of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 485.46 Td ($4.5 billion) 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 34.35 443.12 Td (CIB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 27.40 424.58 Td (ROE 9% ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 43.00 416.58 Td ( ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 463.84 cm /I8 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 82.00 467.36 Td (#1 ranking for Global Investment Banking fees with) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 458.36 Td (9.1% wallet share in 1Q20) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 437.24 cm /I9 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 439.96 Td (T) Tj ET Q q 0 0 0 rg BT 87.18 439.96 Td (otal Markets revenue of $7.2 billion, up 32%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 417.74 cm /I10 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 420.46 Td (EOP) Tj ET Q q 0 0 0 rg BT 98.84 420.46 Td ( loans up 30%; deposits up 37%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 400.84 cm /I11 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 404.36 Td (Credit costs of $1.4 billion, including reserve builds of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 393.56 Td ($1.3 billion) 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 35.75 359.62 Td (CB) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 43.00 349.62 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 90.23 349.62 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 27.40 341.08 Td (ROE 2% ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 372.84 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 82.00 376.36 Td (Gross Investment Banking revenue of $686 million,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 365.56 Td (down 16%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 344.24 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 346.96 Td (EOP) Tj ET Q q 0 0 0 rg BT 98.84 346.96 Td ( loans up 14%; deposits up 39%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 324.84 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 328.36 Td (Credit costs of $1.0 billion, including reserve builds of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 317.56 Td (~$900 million) 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 30.75 285.62 Td (A) Tj ET Q q 1 1 1 rg BT 37.42 285.62 Td (WM) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 43.00 275.62 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 25.20 267.08 Td (ROE 25% ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 294.24 cm /I15 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 82.00 296.96 Td (Assets under management \(AUM\) of $2.2 trillion, up 7%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 274.24 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 276.96 Td (EOP) Tj ET Q q 0 0 0 rg BT 98.84 276.96 Td ( loans up 16%; deposits up 18%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 71.00 254.24 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 82.00 256.96 Td (Credit costs of $94 million driven by reserve builds) Tj ET Q BT /F1 10.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 289.50 642.10 320.00 -400.00 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 289.5 642.1 m 289.5 242.10000000000002 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 609.5 642.1 m 609.5 242.10000000000002 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 642.1 m 609.5 642.1 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 242.10000000000002 m 609.5 242.10000000000002 l s BT /F1 7.80 Tf ET q 0 0 0 rg BT 292.00 634.19 Td (Jamie Dimon, Chairman and CEO, commented: ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 443.63 634.19 Td (My heart goes out to the communities and ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 626.38 Td (individuals, including healthcar) Tj ET Q q 0 0 0 rg BT 391.58 626.38 Td (e workers and first r) Tj ET Q q 0 0 0 rg BT 454.99 626.38 Td (esponders, most deeply hit by the COVID-19 ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 618.58 Td (crisis. Thr) Tj ET Q q 0 0 0 rg BT 323.79 618.58 Td (oughout our history) Tj ET Q q 0 0 0 rg BT 385.32 618.58 Td (, JPMor) Tj ET Q q 0 0 0 rg BT 410.59 618.58 Td (gan Chase has built its r) Tj ET Q q 0 0 0 rg BT 486.79 618.58 Td (eputation on being ther) Tj ET Q q 0 0 0 rg BT 559.51 618.58 Td (e for clients, ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 610.78 Td (customers and communities in the most critical times. This unpr) Tj ET Q q 0 0 0 rg BT 491.46 610.78 Td (ecedented envir) Tj ET Q q 0 0 0 rg BT 540.33 610.78 Td (onment is no ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 603.03 Td (differ) Tj ET Q q 0 0 0 rg BT 308.61 603.03 Td (ent. W) Tj ET Q q 0 0 0 rg BT 327.82 603.03 Td (e will do everything in our power to help the world r) Tj ET Q q 0 0 0 rg BT 491.53 603.03 Td (ecover fr) Tj ET Q q 0 0 0 rg BT 519.18 603.03 Td (om this global crisis.? Tj ET Q BT /F1 7.80 Tf ET q 0 0 0 rg BT 292.00 595.19 Td (? Tj ET Q BT /F1 7.80 Tf ET q 0 0 0 rg BT 292.00 587.39 Td (Dimon added: ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 338.36 587.39 Td (The company enter) Tj ET Q q 0 0 0 rg BT 402.19 587.39 Td (ed this crisis in a position of str) Tj ET Q q 0 0 0 rg BT 500.49 587.39 Td (ength, and we r) Tj ET Q q 0 0 0 rg BT 548.73 587.39 Td (emain well ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 579.58 Td (capitalized and highly liquid - with a CET1 ratio of 1) Tj ET Q q 0 0 0 rg BT 457.82 579.58 Td (1.5% and total liquidity r) Tj ET Q q 0 0 0 rg BT 536.61 579.58 Td (esour) Tj ET Q q 0 0 0 rg BT 553.65 579.58 Td (ces of over $1 ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 571.83 Td (trillion. ) Tj ET Q q 0 0 0 rg BT 317.43 571.83 Td (And JPMor) Tj ET Q q 0 0 0 rg BT 353.31 571.83 Td (gan Chase performed well in what was a very tough and unique operating ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 564.03 Td (envir) Tj ET Q q 0 0 0 rg BT 307.74 564.03 Td (onment - gr) Tj ET Q q 0 0 0 rg BT 343.84 564.03 Td (owing deposits in every line of business and pr) Tj ET Q q 0 0 0 rg BT 489.57 564.03 Td (oviding loans as we extended cr) Tj ET Q q 0 0 0 rg BT 589.14 564.03 Td (edit ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 556.23 Td (and served as a port in the storm for our clients and customers. In the first quarter) Tj ET Q q 0 0 0 rg BT 549.17 556.23 Td (, the underlying ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 548.43 Td (r) Tj ET Q q 0 0 0 rg BT 294.75 548.43 Td (esults of the company wer) Tj ET Q q 0 0 0 rg BT 375.48 548.43 Td (e extr) Tj ET Q q 0 0 0 rg BT 392.72 548.43 Td (emely good, however given the likelihood of a fairly sever) Tj ET Q q 0 0 0 rg BT 573.08 548.43 Td (e ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 540.63 Td (r) Tj ET Q q 0 0 0 rg BT 294.75 540.63 Td (ecession, it was necessary to build cr) Tj ET Q q 0 0 0 rg BT 410.35 540.63 Td (edit r) Tj ET Q q 0 0 0 rg BT 426.75 540.63 Td (eserves of $6.8B, r) Tj ET Q q 0 0 0 rg BT 484.73 540.63 Td (esulting in total cr) Tj ET Q q 0 0 0 rg BT 541.85 540.63 Td (edit costs of $8.3B ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 532.83 Td (for the quarter) Tj ET Q q 0 0 0 rg BT 337.07 532.83 Td (.? Tj ET Q BT /F1 7.80 Tf ET q 0 0 0 rg BT 292.00 517.24 Td (Dimon commented on the results: ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 399.66 517.24 Td (The first quarter deliver) Tj ET Q q 0 0 0 rg BT 478.89 517.24 Td (ed some unpr) Tj ET Q q 0 0 0 rg BT 520.62 517.24 Td (ecedented challenges and ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 509.43 Td (r) Tj ET Q q 0 0 0 rg BT 294.75 509.43 Td (equir) Tj ET Q q 0 0 0 rg BT 310.92 509.43 Td (ed us to focus on what we as a bank could do - outside of our or) Tj ET Q q 0 0 0 rg BT 510.39 509.43 Td (dinary course of business - to ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 501.63 Td (r) Tj ET Q q 0 0 0 rg BT 294.75 501.63 Td (emain str) Tj ET Q q 0 0 0 rg BT 323.71 501.63 Td (ong, r) Tj ET Q q 0 0 0 rg BT 342.05 501.63 Td (esilient and well-positioned to support all of our stakeholders. In Consumer & ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 493.83 Td (Community Banking, we have r) Tj ET Q q 0 0 0 rg BT 389.84 493.83 Td (emained focused on meeting our customers? Tj ET Q q 0 0 0 rg BT 526.53 493.83 Td ( needs. ) Tj ET Q q 0 0 0 rg BT 550.00 493.83 Td (Appr) Tj ET Q q 0 0 0 rg BT 565.31 493.83 Td (oximately ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 485.98 Td (thr) Tj ET Q q 0 0 0 rg BT 300.81 485.98 Td (ee quarters of our 5,000 branches have been open - all with heightened safety pr) Tj ET Q q 0 0 0 rg BT 552.45 485.98 Td (ocedur) Tj ET Q q 0 0 0 rg BT 573.82 485.98 Td (es and ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 478.18 Td (many with drive-thr) Tj ET Q q 0 0 0 rg BT 353.67 478.18 Td (ough options - and the vast majority of our over 16,000 ) Tj ET Q q 0 0 0 rg BT 528.58 478.18 Td (A) Tj ET Q q 0 0 0 rg BT 533.05 478.18 Td (TMs r) Tj ET Q q 0 0 0 rg BT 551.62 478.18 Td (emain open. In ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 470.38 Td (Mar) Tj ET Q q 0 0 0 rg BT 305.14 470.38 Td (ch alone, we opened half a million new accounts for our car) Tj ET Q q 0 0 0 rg BT 492.89 470.38 Td (d customers and extended over $6 ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 462.58 Td (billion of new and incr) Tj ET Q q 0 0 0 rg BT 362.77 462.58 Td (eased cr) Tj ET Q q 0 0 0 rg BT 388.69 462.58 Td (edit lines, and we wer) Tj ET Q q 0 0 0 rg BT 456.64 462.58 Td (e active in Home Lending and ) Tj ET Q q 0 0 0 rg BT 552.25 462.58 Td (Auto. W) Tj ET Q q 0 0 0 rg BT 576.66 462.58 Td (e lent ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 454.78 Td (over $500 million to small businesses in the month and wer) Tj ET Q q 0 0 0 rg BT 479.76 454.78 Td (e now actively supporting the SBA) Tj ET Q q 0 0 0 rg BT 586.70 454.78 Td (? Tj ET Q q 0 0 0 rg BT 588.29 454.78 Td (s ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 446.98 Td (Paycheck Pr) Tj ET Q q 0 0 0 rg BT 331.33 446.98 Td (otection Pr) Tj ET Q q 0 0 0 rg BT 365.92 446.98 Td (ogram. For the quarter) Tj ET Q q 0 0 0 rg BT 437.85 446.98 Td (, we continued to see flows into both client investment ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 439.18 Td (assets and deposits.? Tj ET Q BT /F1 7.80 Tf ET q 0 0 0 rg BT 292.00 431.39 Td (? Tj ET Q BT /F1 7.80 Tf ET q 0 0 0 rg BT 292.00 423.59 Td (Dimon continued: ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 350.49 423.59 Td (W) Tj ET Q q 0 0 0 rg BT 360.61 423.59 Td (e continued to support our wholesale clients thr) Tj ET Q q 0 0 0 rg BT 509.59 423.59 Td (oughout this challenging ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 415.78 Td (period, as they dr) Tj ET Q q 0 0 0 rg BT 346.74 415.78 Td (ew over $50 billion on their existing lines. W) Tj ET Q q 0 0 0 rg BT 486.18 415.78 Td (e also pr) Tj ET Q q 0 0 0 rg BT 513.19 415.78 Td (ovided over $25 billion of ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 407.98 Td (new cr) Tj ET Q q 0 0 0 rg BT 312.72 407.98 Td (edit extensions in Mar) Tj ET Q q 0 0 0 rg BT 381.97 407.98 Td (ch for companies most impacted by the crisis and helped our clients ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 400.18 Td (execute r) Tj ET Q q 0 0 0 rg BT 320.07 400.18 Td (ecor) Tj ET Q q 0 0 0 rg BT 333.64 400.18 Td (d Investment Grade bond issuances this quarter) Tj ET Q q 0 0 0 rg BT 482.26 400.18 Td (. In Commer) Tj ET Q q 0 0 0 rg BT 521.18 400.18 Td (cial Banking, we partner) Tj ET Q q 0 0 0 rg BT 598.45 400.18 Td (ed ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 392.38 Td (closely with clients on their liquidity needs, incr) Tj ET Q q 0 0 0 rg BT 441.61 392.38 Td (easing loans $25 billion and deposits $40 billion in ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 384.58 Td (the quarter) Tj ET Q q 0 0 0 rg BT 326.01 384.58 Td (. The Corporate & Investment Bank turned in another solid quarter with r) Tj ET Q q 0 0 0 rg BT 556.89 384.58 Td (ecor) Tj ET Q q 0 0 0 rg BT 570.46 384.58 Td (d Markets ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 376.78 Td (r) Tj ET Q q 0 0 0 rg BT 294.75 376.78 Td (evenue, as we helped clients navigate extr) Tj ET Q q 0 0 0 rg BT 425.49 376.78 Td (emely tough and volatile market conditions, and we ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 368.98 Td (maintained our #1 rank in Global IB fees as clients turned to us for financing and advice. ) Tj ET Q q 0 0 0 rg BT 573.49 368.98 Td (And in ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 361.18 Td (Asset & W) Tj ET Q q 0 0 0 rg BT 324.21 361.18 Td (ealth Management, we saw str) Tj ET Q q 0 0 0 rg BT 419.03 361.18 Td (ong gr) Tj ET Q q 0 0 0 rg BT 439.33 361.18 Td (owth in both loans and deposits, we took in $75 ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 353.38 Td (billion in liquidity flows, and mor) Tj ET Q q 0 0 0 rg BT 396.58 353.38 Td (e importantly we pr) Tj ET Q q 0 0 0 rg BT 457.60 353.38 Td (oactively r) Tj ET Q q 0 0 0 rg BT 490.45 353.38 Td (eached out and helped clients ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 345.58 Td (manage their risk. In addition, JPMor) Tj ET Q q 0 0 0 rg BT 410.64 345.58 Td (gan Chase made a $50 million commitment to help addr) Tj ET Q q 0 0 0 rg BT 586.05 345.58 Td (ess ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 337.78 Td (the immediate humanitarian crisis, as well as the long-term economic challenges that the most ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 329.98 Td (vulnerable people face. ) Tj ET Q q 0 0 0 rg BT 366.80 329.98 Td (And the firm announced a $150 million loan pr) Tj ET Q q 0 0 0 rg BT 513.83 329.98 Td (ogram to help community ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 322.18 Td (partners get capital to underserved small businesses and nonpr) Tj ET Q q 0 0 0 rg BT 489.73 322.18 Td (ofits, particularly in the har) Tj ET Q q 0 0 0 rg BT 576.32 322.18 Td (dest hit ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 314.38 Td (communities.?) Tj ET Q BT /F1 7.80 Tf ET q 0 0 0 rg BT 292.00 306.59 Td (? Tj ET Q BT /F1 7.80 Tf ET q 0 0 0 rg BT 292.00 298.79 Td (Dimon concluded: ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 351.79 298.79 Td (I want to thank our mor) Tj ET Q q 0 0 0 rg BT 430.15 298.79 Td (e than 250,000 employees for r) Tj ET Q q 0 0 0 rg BT 526.91 298.79 Td (emaining steadfast in ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 290.98 Td (helping our clients, customers, communities and governments and continuing to operate with the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 283.18 Td (highest standar) Tj ET Q q 0 0 0 rg BT 340.03 283.18 Td (ds every day) Tj ET Q q 0 0 0 rg BT 378.58 283.18 Td (. Im pr) Tj ET Q q 0 0 0 rg BT 401.90 283.18 Td (oud of the extraor) Tj ET Q q 0 0 0 rg BT 457.72 283.18 Td (dinary effort by our call center employees, ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 275.38 Td (traders, bankers, portfolio managers, technology and operations teams acr) Tj ET Q q 0 0 0 rg BT 526.34 275.38 Td (oss the globe. I also want ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 267.58 Td (to thank Daniel Pinto, Gor) Tj ET Q q 0 0 0 rg BT 375.55 267.58 Td (don Smith, our Operating Committee and our senior leaders for the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 259.78 Td (exceptional leadership they have shown under the most difficult of cir) Tj ET Q q 0 0 0 rg BT 509.20 259.78 Td (cumstances.Finally) Tj ET Q q 0 0 0 rg BT 571.15 259.78 Td (, the ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 251.98 Td (countries and citizens of the global community will get thr) Tj ET Q q 0 0 0 rg BT 473.47 251.98 Td (ough this unpr) Tj ET Q q 0 0 0 rg BT 518.69 251.98 Td (ecedented situation, ) Tj ET Q BT /F5 7.80 Tf ET q 0 0 0 rg BT 292.00 244.23 Td (undoubtedly str) Tj ET Q q 0 0 0 rg BT 340.46 244.23 Td (onger for it.T) Tj ET Q q 0 0 0 rg BT 383.51 244.23 Td (ogether) Tj ET Q q 0 0 0 rg BT 406.47 244.23 Td (, we will rise to the challenge.? 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 17.5 239.10000000000002 m 17.5 235.10000000000002 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 239.10000000000002 m 593.5 235.10000000000002 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 239.10000000000002 m 593.5 239.10000000000002 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 235.10000000000002 m 593.5 235.10000000000002 l s BT /F1 10.00 Tf ET BT /F2 8.00 Tf ET q 0 0 0 rg BT 18.00 224.55 Td (SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 71.20 224.55 Td ( ITEMS) Tj ET Q /GS0 gs q 5.97 0 0 8.81 18.00 213.31 cm /I18 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 23.97 214.95 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 214.95 Td (1Q20 results included:) Tj ET Q /GS0 gs q 5.97 0 0 8.81 27.00 201.71 cm /I19 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 32.97 203.35 Td ( ) Tj ET Q q 0 0 0 rg BT 40.50 203.35 Td ($6.8 billion of reserve builds Firmwide, lar) Tj ET Q q 0 0 0 rg BT 178.11 203.35 Td (gely as a result of COVID-19 \($1.66 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 193.75 Td (decrease in earnings per share \(EPS\)\)) Tj ET Q /GS0 gs q 5.97 0 0 8.81 27.00 182.51 cm /I20 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 32.97 184.15 Td ( ) Tj ET Q q 0 0 0 rg BT 40.50 184.15 Td ($951 million of losses within Credit ) Tj ET Q q 0 0 0 rg BT 157.39 184.15 Td (Adjustments & Other in CIB related to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 174.55 Td (funding spread widening on derivatives \($0.23 decrease in EPS\)) Tj ET Q /GS0 gs q 5.97 0 0 8.81 27.00 163.31 cm /I21 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 32.97 164.95 Td ( ) Tj ET Q q 0 0 0 rg BT 40.50 164.95 Td ($896 million of firmwide bridge book) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 162.04 168.58 Td (7 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.94 164.95 Td (markdowns \($0.22 decrease in EPS\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 18.00 150.90 Td (OPERA) Tj ET Q q 0 0 0 rg BT 45.41 150.90 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 5.97 0 0 8.81 18.00 138.66 cm /I22 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 23.97 140.30 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 140.30 Td (1Q20 reported expense of $16.9 billion; reported overhead ratio of 60%; managed ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 30.00 130.70 Td (overhead ratio) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 75.98 134.33 Td (2 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.88 130.70 Td (of 58% ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 18.00 118.10 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 42.30 118.10 Td (AL) Tj ET Q q 0 0 0 rg BT 52.97 118.10 Td ( DISTRIBUTED) Tj ET Q /GS0 gs q 5.97 0 0 8.81 18.00 105.86 cm /I23 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 23.97 107.50 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 107.50 Td (Common dividend of $0.90 per share) Tj ET Q /GS0 gs q 5.97 0 0 8.81 18.00 95.26 cm /I24 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 23.97 96.90 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 96.90 Td ($6.0 billion of net repurchases) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 127.09 100.52 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 129.69 96.90 Td ( in 1Q20 through March 15; announced suspension of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 30.00 87.30 Td (repurchases through 2Q20) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 114.42 90.92 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 221.55 Td (FOR) Tj ET Q q 0 0 0 rg BT 322.61 221.55 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 5.97 0 0 8.81 306.00 209.31 cm /I25 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.97 210.95 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 210.95 Td (Book value per share of $75.88, up 6%; tangible book value per share) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 541.49 214.58 Td (2 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 545.39 210.95 Td (of $60.71, up ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.00 201.35 Td (5%) Tj ET Q /GS0 gs q 5.97 0 0 8.81 306.00 189.11 cm /I26 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.97 190.75 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 190.75 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 399.61 190.75 Td (T) Tj ET Q q 0 0 0 rg BT 404.22 190.75 Td (ier 1 capital) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 441.98 194.38 Td (3 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.88 190.75 Td (of $184 billion and Standardized ratio) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 567.40 194.38 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 570.00 190.75 Td ( of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.00 181.15 Td (1) Tj ET Q q 0 0 0 rg BT 321.70 181.15 Td (1.5%; ) Tj ET Q q 0 0 0 rg BT 342.15 181.15 Td (Advanced ratio) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 391.24 184.77 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.84 181.15 Td ( of 12.3%) Tj ET Q /GS0 gs q 5.97 0 0 8.81 306.00 168.91 cm /I27 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.97 170.55 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 170.55 Td (Firm supplementary leverage ratio of 6.0%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 156.50 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 337.72 156.50 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 5.97 0 0 8.81 306.00 144.26 cm /I28 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.97 145.90 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.00 145.90 Td ($638 billion ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.79 145.90 Td (of credit and capital) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 423.54 149.52 Td (9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.13 145.90 Td ( raised in 1Q20) Tj ET Q /GS0 gs q 5.97 0 0 8.81 315.00 133.66 cm /I29 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.97 135.30 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.50 135.30 Td ($63 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.29 135.30 Td ( of credit for consumers) Tj ET Q /GS0 gs q 5.97 0 0 8.81 315.00 123.06 cm /I30 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.97 124.70 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.50 124.70 Td ($8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.29 124.70 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 5.97 0 0 8.81 315.00 112.46 cm /I31 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.97 114.10 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.50 114.10 Td ($213 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.29 114.10 Td ( of credit for corporations) Tj ET Q /GS0 gs q 5.97 0 0 8.81 315.00 101.86 cm /I32 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.97 103.50 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.50 103.50 Td ($334 billion ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.29 103.50 Td (of capital raised for corporate clients and non-U.S. government ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 93.90 Td (entities) Tj ET Q /GS0 gs q 5.97 0 0 8.81 315.00 81.66 cm /I33 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.97 83.30 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.50 83.30 Td ($20 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.29 83.30 Td ( of credit and capital raised for nonprofit and U.S. government entities, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.50 73.70 Td (including states, municipalities, hospitals and universities) Tj ET 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 87.55 706.10 Td (measur) Tj ET Q q 0 0 0 rg BT 116.62 706.10 Td (es ) Tj ET Q q 0 0 0 rg BT 127.45 706.10 Td (used ) Tj ET Q q 0 0 0 rg BT 148.28 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 160.22 706.10 Td (management ) Tj ET Q q 0 0 0 rg BT 213.82 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.10 706.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 260.47 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.19 706.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 328.79 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.07 706.10 Td (each ) Tj ET Q q 0 0 0 rg BT 360.44 706.10 Td (line ) Tj ET Q q 0 0 0 rg BT 377.94 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.22 706.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 427.11 706.10 Td (r) Tj ET Q q 0 0 0 rg BT 430.63 706.10 Td (efer ) Tj ET Q q 0 0 0 rg BT 448.67 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.95 706.10 Td (page ) Tj ET Q q 0 0 0 rg BT 480.89 706.10 Td (6.) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 688.10 Td (Comparisons ) Tj ET Q q 0 0 0 rg BT 106.00 688.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 131.38 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 142.31 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.68 688.10 Td (sections ) Tj ET Q q 0 0 0 rg BT 193.06 688.10 Td (below ) Tj ET Q q 0 0 0 rg BT 220.10 688.10 Td (ar) Tj ET Q q 0 0 0 rg BT 228.62 688.10 Td (e ) Tj ET Q q 0 0 0 rg BT 236.22 688.10 Td (for ) Tj ET Q q 0 0 0 rg BT 251.04 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.42 688.10 Td (first ) Tj ET Q q 0 0 0 rg BT 285.69 688.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 318.85 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.78 688.10 Td (2020 ) Tj ET Q q 0 0 0 rg BT 352.94 688.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 381.65 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.02 688.10 Td (prior) Tj ET Q q 0 0 0 rg BT 417.38 688.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 441.64 688.10 Td (first ) Tj ET Q q 0 0 0 rg BT 460.91 688.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 489.81 688.10 Td (, ) Tj ET Q q 0 0 0 rg BT 495.46 688.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 523.62 688.10 Td (otherwise ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 676.10 Td (specified.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 665.60 511.00 -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 52.50 657.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 650.50 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 49.50 634.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.58 634.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.87 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 113.51 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 120.59 634.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 156.55 634.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 179.19 634.10 Td (was ) Tj ET Q q 0 0 0 rg BT 197.38 634.10 Td ($28.3 ) Tj ET Q q 0 0 0 rg BT 222.52 634.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 253.78 634.10 Td ($28.3 ) Tj ET Q q 0 0 0 rg BT 278.92 634.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 310.17 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.25 634.10 Td ($29.1 ) Tj ET Q q 0 0 0 rg BT 352.40 634.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 381.15 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 395.45 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.31 634.10 Td (first ) Tj ET Q q 0 0 0 rg BT 429.06 634.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 460.02 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.99 634.10 Td (2020, ) Tj ET Q q 0 0 0 rg BT 496.13 634.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 523.21 634.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 554.17 634.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (2019, ) Tj ET Q q 0 0 0 rg BT 74.50 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 91.44 622.10 Td (first ) Tj ET Q q 0 0 0 rg BT 110.05 622.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 140.86 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.69 622.10 Td (2019, ) Tj ET Q q 0 0 0 rg BT 176.69 622.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 224.35 622.10 Td (.) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 611.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 611.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 611.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 611.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 611.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 611.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 595.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 595.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 595.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 595.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 595.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 595.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 595.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 595.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 531.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 531.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 531.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 531.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 531.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 531.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 531.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 531.60 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 378 595.6 m 423 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 595.6 m 468 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 595.6 m 472 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 595.6 m 517 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 595.6 m 562 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 579.6 m 213 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 595.6 m 264 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 579.6 m 264 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 595.6 m 268 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 579.6 m 268 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 595.6 m 319 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 579.6 m 319 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 595.6 m 323 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 579.6 m 323 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 595.6 m 374 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 579.6 m 374 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 595.6 m 378 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 579.6 m 378 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 595.6 m 423 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 579.6 m 423 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 579.6 m 468 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 579.6 m 472 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 579.6 m 517 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 579.6 m 562 579.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 531.6 m 264 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 531.6 m 319 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 531.6 m 374 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 531.6 m 468 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 531.6 m 562 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 531.6 m 213 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 515.6 m 213 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 531.6 m 264 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 515.6 m 264 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 531.6 m 268 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 515.6 m 268 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 531.6 m 319 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 515.6 m 319 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 531.6 m 323 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 515.6 m 323 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 531.6 m 374 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 515.6 m 374 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 531.6 m 378 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 515.6 m 378 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 531.6 m 423 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 515.6 m 423 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 531.6 m 468 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 515.6 m 468 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 531.6 m 472 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 515.6 m 472 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 531.6 m 517 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 515.6 m 517 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 531.6 m 562 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 515.6 m 562 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 499.6 m 213 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 515.6 m 264 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 499.6 m 264 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 499.6 m 268 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 515.6 m 319 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 499.6 m 319 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 515.6 m 323 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 499.6 m 323 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 515.6 m 374 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 499.6 m 374 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 499.6 m 378 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 499.6 m 423 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 515.6 m 468 515.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 499.6 m 468 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 499.6 m 472 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 499.6 m 517 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 515.6 m 562 515.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 499.6 m 562 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 483.6 m 213 483.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 499.6 m 264 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 483.6 m 264 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 499.6 m 268 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 483.6 m 268 483.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 499.6 m 319 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 483.6 m 319 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 499.6 m 323 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 483.6 m 323 483.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 499.6 m 374 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 483.6 m 374 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 483.6 m 378 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 483.6 m 423 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 483.6 m 468 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 483.6 m 472 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 483.6 m 517 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 483.6 m 562 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 467.6 m 213 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 483.6 m 264 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 467.6 m 264 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 467.6 m 268 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 483.6 m 319 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 467.6 m 319 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 467.6 m 323 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 483.6 m 374 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 467.6 m 374 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 467.6 m 378 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 467.6 m 423 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 467.6 m 468 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 467.6 m 472 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 467.6 m 517 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 467.6 m 562 467.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 600.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 600.27 Td (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 600.27 Td (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 584.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 584.27 Td (1Q20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 584.27 Td (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 584.27 Td (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 584.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 584.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 584.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 584.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 570.17 Td (Net revenue - managed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 568.27 Td (29,069) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 568.27 Td (29,21) Tj ET Q q 0 0 0 rg BT 305.10 568.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 568.27 Td (29,851) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 568.32 Td (\(142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 568.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 568.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 568.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 568.32 Td (\(782) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 568.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 568.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 568.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 554.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 552.27 Td (16,850) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 552.27 Td (16,339) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 552.27 Td (16,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 552.27 Td (51) Tj ET Q q 0 0 0 rg BT 414.15 552.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 552.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 552.27 Td (455) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 552.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 538.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 536.27 Td (8,285) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 536.27 Td (1,427) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 536.27 Td (1,495) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 536.27 Td (6,858) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.80 536.27 Td (481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 536.27 Td (6,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.80 536.27 Td (454) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 522.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 520.27 Td (2,865) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 520.27 Td (8,520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 520.27 Td (9,179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 520.32 Td (\(5,655) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 520.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 520.27 Td (\(66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 520.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.30 520.32 Td (\(6,314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 520.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 520.27 Td (\(69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 520.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 506.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 504.27 Td (0.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 504.27 Td (2.57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 504.27 Td (2.65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 504.32 Td (\(1.79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 504.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 504.27 Td (\(70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 504.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.30 504.32 Td (\(1.87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 504.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 504.27 Td (\(71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 504.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 490.17 Td (Return on common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.15 488.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 488.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 488.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 488.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 488.27 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 488.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 474.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.15 472.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 472.27 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 472.27 Td (19) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 450.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 432.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 432.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 432.10 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 136.42 432.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 432.10 Td (down ) Tj ET Q q 0 0 0 rg BT 192.26 432.10 Td (69%, ) Tj ET Q q 0 0 0 rg BT 215.59 432.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 276.41 432.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 304.46 432.10 Td (by ) Tj ET Q q 0 0 0 rg BT 316.96 432.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 348.32 432.10 Td (builds ) Tj ET Q q 0 0 0 rg BT 375.27 432.10 Td (across ) Tj ET Q q 0 0 0 rg BT 402.76 432.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.48 432.10 Td (firm.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.89 414.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.49 414.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.99 414.10 Td ($29.1 ) Tj ET Q q 0 0 0 rg BT 141.44 414.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 172.00 414.10 Td (down ) Tj ET Q q 0 0 0 rg BT 196.17 414.10 Td (3%. ) Tj ET Q q 0 0 0 rg BT 213.96 414.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 230.34 414.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 261.73 414.10 Td (income ) Tj ET Q q 0 0 0 rg BT 293.11 414.10 Td (was ) Tj ET Q q 0 0 0 rg BT 310.62 414.10 Td ($14.5 ) Tj ET Q q 0 0 0 rg BT 335.07 414.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 365.63 414.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 380.91 414.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 408.41 414.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.58 414.10 Td (prior) Tj ET Q q 0 0 0 rg BT 441.81 414.10 Td (-year) Tj ET Q q 0 0 0 rg BT 461.95 414.10 Td (, ) Tj ET Q q 0 0 0 rg BT 466.40 414.10 Td (with ) Tj ET Q q 0 0 0 rg BT 486.13 414.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.30 414.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 529.46 414.10 Td (of ) Tj ET Q q 0 0 0 rg BT 539.74 414.10 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 70.55 402.10 Td (of) Tj ET Q q 0 0 0 rg BT 78.70 402.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 95.30 402.10 Td (by ) Tj ET Q q 0 0 0 rg BT 107.47 402.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 140.17 402.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 162.89 402.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 193.39 402.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.00 402.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 227.72 402.10 Td (as ) Tj ET Q q 0 0 0 rg BT 238.22 402.10 Td (well ) Tj ET Q q 0 0 0 rg BT 257.61 402.10 Td (as ) Tj ET Q q 0 0 0 rg BT 268.11 402.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 295.83 402.10 Td (net ) Tj ET Q q 0 0 0 rg BT 310.21 402.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 341.82 402.10 Td (income ) Tj ET Q q 0 0 0 rg BT 373.42 402.10 Td (in ) Tj ET Q q 0 0 0 rg BT 383.37 402.10 Td (CIB ) Tj ET Q q 0 0 0 rg BT 402.21 402.10 Td (Markets. ) Tj ET Q q 0 0 0 rg BT 439.64 402.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 488.47 402.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 522.28 402.10 Td (was ) Tj ET Q q 0 0 0 rg BT 540.00 402.10 Td ($14.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 80.86 390.10 Td (down ) Tj ET Q q 0 0 0 rg BT 105.83 390.10 Td (5%. ) Tj ET Q q 0 0 0 rg BT 124.21 390.10 Td (This ) Tj ET Q q 0 0 0 rg BT 144.74 390.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 185.25 390.10 Td (in ) Tj ET Q q 0 0 0 rg BT 195.77 390.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 230.17 390.10 Td (included ) Tj ET Q q 0 0 0 rg BT 267.35 390.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.54 390.10 Td ($951 ) Tj ET Q q 0 0 0 rg BT 297.28 390.10 Td (million ) Tj ET Q q 0 0 0 rg BT 328.92 390.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 347.23 390.10 Td (in ) Tj ET Q q 0 0 0 rg BT 357.76 390.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 384.90 390.10 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 438.20 390.10 Td (& ) Tj ET Q q 0 0 0 rg BT 448.73 390.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 474.24 390.10 Td (in ) Tj ET Q q 0 0 0 rg BT 484.77 390.10 Td (CIB ) Tj ET Q q 0 0 0 rg BT 504.19 390.10 Td (predominantly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 77.41 378.10 Td (by ) Tj ET Q q 0 0 0 rg BT 89.77 378.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 123.25 378.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 151.71 378.10 Td (widening ) Tj ET Q q 0 0 0 rg BT 191.29 378.10 Td (on ) Tj ET Q q 0 0 0 rg BT 203.65 378.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 249.89 378.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.69 378.10 Td ($896 ) Tj ET Q q 0 0 0 rg BT 289.05 378.10 Td (million ) Tj ET Q q 0 0 0 rg BT 320.31 378.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.00 378.10 Td (markdowns ) Tj ET Q q 0 0 0 rg BT 380.02 378.10 Td (on ) Tj ET Q q 0 0 0 rg BT 392.39 378.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 424.39 378.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 445.63 378.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 484.11 378.10 Td (in ) Tj ET Q q 0 0 0 rg BT 494.26 378.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.84 378.10 Td (bridge ) Tj ET Q q 0 0 0 rg BT 536.75 378.10 Td (book) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 556.75 382.63 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.00 378.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.00 366.10 Td (were ) Tj ET Q q 0 0 0 rg BT 88.92 366.10 Td (lar) Tj ET Q q 0 0 0 rg BT 99.29 366.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 119.01 366.10 Td (of) Tj ET Q q 0 0 0 rg BT 127.16 366.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 144.09 366.10 Td (by ) Tj ET Q q 0 0 0 rg BT 156.59 366.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 184.64 366.10 Td (CIB ) Tj ET Q q 0 0 0 rg BT 203.81 366.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 239.08 366.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 286.01 366.10 Td (revenue.) 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 98.37 348.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 132.79 348.10 Td (was ) Tj ET Q q 0 0 0 rg BT 150.55 348.10 Td ($16.9 ) Tj ET Q q 0 0 0 rg BT 175.26 348.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 206.09 348.10 Td (up ) Tj ET Q q 0 0 0 rg BT 218.30 348.10 Td (3%, ) Tj ET Q q 0 0 0 rg BT 236.34 348.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 264.10 348.10 Td (by ) Tj ET Q q 0 0 0 rg BT 276.31 348.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 304.07 348.10 Td (volume- ) Tj ET Q q 0 0 0 rg BT 339.61 348.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.26 348.10 Td (revenue-related ) Tj ET Q q 0 0 0 rg BT 420.65 348.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 455.07 348.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.72 348.10 Td (investments, ) Tj ET Q q 0 0 0 rg BT 524.20 348.10 Td (as ) Tj ET Q q 0 0 0 rg BT 534.74 348.10 Td (well ) Tj ET Q q 0 0 0 rg BT 554.17 348.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.55 336.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 99.48 336.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 136.69 336.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 172.51 336.10 Td (of) Tj ET Q q 0 0 0 rg BT 180.66 336.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 197.60 336.10 Td (by ) Tj ET Q q 0 0 0 rg BT 210.10 336.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 235.36 336.10 Td (structural ) Tj ET Q q 0 0 0 rg BT 275.63 336.10 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.37 318.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 105.48 318.10 Td (for ) Tj ET Q q 0 0 0 rg BT 118.47 318.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 142.56 318.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 167.78 318.10 Td (was ) Tj ET Q q 0 0 0 rg BT 184.66 318.10 Td ($8.3 ) Tj ET Q q 0 0 0 rg BT 203.48 318.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 233.42 318.10 Td (up ) Tj ET Q q 0 0 0 rg BT 244.75 318.10 Td ($6.8 ) Tj ET Q q 0 0 0 rg BT 263.58 318.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 291.02 318.10 Td (from ) Tj ET Q q 0 0 0 rg BT 311.78 318.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.33 318.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 346.09 318.10 Td (year ) Tj ET Q q 0 0 0 rg BT 364.63 318.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 391.50 318.10 Td (by ) Tj ET Q q 0 0 0 rg BT 402.83 318.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 433.02 318.10 Td (builds ) Tj ET Q q 0 0 0 rg BT 458.80 318.10 Td (which ) Tj ET Q q 0 0 0 rg BT 484.56 318.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 511.42 318.10 Td (deterioration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.84 306.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.61 306.10 Td (macro-economic ) Tj ET Q q 0 0 0 rg BT 144.36 306.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 197.46 306.10 Td (as ) Tj ET Q q 0 0 0 rg BT 208.35 306.10 Td (a ) Tj ET Q q 0 0 0 rg BT 215.34 306.10 Td (result ) Tj ET Q q 0 0 0 rg BT 240.12 306.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.01 306.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.78 306.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 295.55 306.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.44 306.10 Td (COVID-19 ) Tj ET Q q 0 0 0 rg BT 354.00 306.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.99 306.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 412.99 306.10 Td (pressure ) Tj ET Q q 0 0 0 rg BT 448.87 306.10 Td (on ) Tj ET Q q 0 0 0 rg BT 461.42 306.10 Td (oil ) Tj ET Q q 0 0 0 rg BT 474.54 306.10 Td (prices. ) Tj ET Q q 0 0 0 rg BT 503.29 306.10 Td (The ) Tj ET Q q 0 0 0 rg BT 521.40 306.10 Td (Consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 81.04 294.10 Td (build ) Tj ET Q q 0 0 0 rg BT 104.26 294.10 Td (was ) Tj ET Q q 0 0 0 rg BT 122.48 294.10 Td ($4.4 ) Tj ET Q q 0 0 0 rg BT 142.65 294.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 173.93 294.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 234.92 294.10 Td (in ) Tj ET Q q 0 0 0 rg BT 245.37 294.10 Td (Card, ) Tj ET Q q 0 0 0 rg BT 269.97 294.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.08 294.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.77 294.10 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 346.64 294.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 378.18 294.10 Td (build ) Tj ET Q q 0 0 0 rg BT 401.40 294.10 Td (was ) Tj ET Q q 0 0 0 rg BT 419.62 294.10 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 439.79 294.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 468.57 294.10 Td (across ) Tj ET Q q 0 0 0 rg BT 496.23 294.10 Td (multiple ) Tj ET Q q 0 0 0 rg BT 532.23 294.10 Td (sectors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.78 282.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.50 282.10 Td (lar) Tj ET Q q 0 0 0 rg BT 94.86 282.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 113.47 282.10 Td (impacts ) Tj ET Q q 0 0 0 rg BT 147.07 282.10 Td (in ) Tj ET Q q 0 0 0 rg BT 157.35 282.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.07 282.10 Td (Oil ) Tj ET Q q 0 0 0 rg BT 187.35 282.10 Td (& ) Tj ET Q q 0 0 0 rg BT 197.63 282.10 Td (Gas, ) Tj ET Q q 0 0 0 rg BT 218.18 282.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 239.00 282.10 Td (Estate, ) Tj ET Q q 0 0 0 rg BT 268.44 282.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.37 282.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 328.98 282.10 Td (& ) Tj ET Q q 0 0 0 rg BT 339.26 282.10 Td (Retail ) Tj ET Q q 0 0 0 rg BT 365.64 282.10 Td (industries.) 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 (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.85 706.17 Td (1Q19) 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 (1Q20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.35 691.17 Td (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.35 691.17 Td (1Q19) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 676.17 Td (13,171) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.10 676.17 Td (13,795) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.10 676.17 Td (13,490) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 676.22 Td (\(624) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 676.17 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 676.17 Td (\)%) 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 494.30 676.22 Td (\(319) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.95 676.17 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 676.17 Td (\)%) 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 (6,091) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 661.17 Td (6,537) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 661.17 Td (6,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 661.22 Td (\(446) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 661.17 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 661.22 Td (\(570) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.95 661.17 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 661.17 Td (\)) 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 (1,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 646.17 Td (1,250) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 646.17 Td (1,346) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 646.22 Td (\(89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 646.17 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 646.22 Td (\(185) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.95 646.17 Td (\(14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 632.07 Td (Card & ) Tj ET Q q 0 0 0 rg BT 89.67 632.07 Td (Auto) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 631.17 Td (5,919) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 631.17 Td (6,008) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 631.17 Td (5,483) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 631.22 Td (\(89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 631.17 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 631.17 Td (436) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 631.17 Td (8) 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 (7,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 616.17 Td (7,01) Tj ET Q q 0 0 0 rg BT 315.65 616.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 616.17 Td (6,970) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 616.17 Td (150) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 616.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 616.17 Td (191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.30 616.17 Td (3) 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 (5,772) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 601.17 Td (1,207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 601.17 Td (1,314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 601.17 Td (4,565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.30 601.17 Td (378) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.15 601.17 Td (4,458) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.30 601.17 Td (339) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 586.17 Td (191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 586.17 Td (4,214) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 586.17 Td (3,947) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 586.22 Td (\(4,023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 586.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.95 586.17 Td (\(95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 586.17 Td (\)%) 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 486.80 586.22 Td (\(3,756) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 586.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.95 586.17 Td (\(95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 586.17 Td (\)%) 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 /F6 10.00 Tf ET BT /F6 6.50 Tf ET q 0 0 0 rg BT 137.85 568.53 Td (10) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 144.35 564.00 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.00 Td (Net income was $191 million, down 95%, predominantly driven by reserve builds. Net revenue was $13.2 billion, down 2%.) 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 93.54 528.00 Td (& ) Tj ET Q q 0 0 0 rg BT 104.24 528.00 Td (Business ) Tj ET Q q 0 0 0 rg BT 142.73 528.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 179.55 528.00 Td (net ) Tj ET Q q 0 0 0 rg BT 194.70 528.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 229.27 528.00 Td (was ) Tj ET Q q 0 0 0 rg BT 247.75 528.00 Td ($6.1 ) Tj ET Q q 0 0 0 rg BT 268.18 528.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 299.72 528.00 Td (down ) Tj ET Q q 0 0 0 rg BT 324.87 528.00 Td (9%, ) Tj ET Q q 0 0 0 rg BT 343.63 528.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 372.11 528.00 Td (by ) Tj ET Q q 0 0 0 rg BT 385.03 528.00 Td (the ) Tj ET Q q 0 0 0 rg BT 400.18 528.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 430.32 528.00 Td (of ) Tj ET Q q 0 0 0 rg BT 441.58 528.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 473.39 528.00 Td (mar) Tj ET Q q 0 0 0 rg BT 488.76 528.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 504.47 528.00 Td (compression, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 516.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 86.15 516.00 Td (of) Tj ET Q q 0 0 0 rg BT 94.30 516.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 112.07 516.00 Td (by ) Tj ET Q q 0 0 0 rg BT 125.40 516.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 157.06 516.00 Td (in ) Tj ET Q q 0 0 0 rg BT 168.17 516.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 200.39 516.00 Td (balances. ) Tj ET Q q 0 0 0 rg BT 240.65 516.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 268.42 516.00 Td (Lending ) Tj ET Q q 0 0 0 rg BT 305.07 516.00 Td (net ) Tj ET Q q 0 0 0 rg BT 320.62 516.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 355.60 516.00 Td (was ) Tj ET Q q 0 0 0 rg BT 374.48 516.00 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 395.31 516.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 427.26 516.00 Td (down ) Tj ET Q q 0 0 0 rg BT 452.81 516.00 Td (14%, ) Tj ET Q q 0 0 0 rg BT 476.97 516.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 505.85 516.00 Td (by ) Tj ET Q q 0 0 0 rg BT 519.18 516.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 545.28 516.00 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 504.00 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.12 504.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 123.73 504.00 Td (and ) Tj ET Q q 0 0 0 rg BT 141.14 504.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 166.87 504.00 Td (net ) Tj ET Q q 0 0 0 rg BT 182.05 504.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 214.45 504.00 Td (income ) Tj ET Q q 0 0 0 rg BT 246.85 504.00 Td (on ) Tj ET Q q 0 0 0 rg BT 259.81 504.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 285.55 504.00 Td (balances, ) Tj ET Q q 0 0 0 rg BT 325.44 504.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 361.72 504.00 Td (of) Tj ET Q q 0 0 0 rg BT 369.87 504.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 387.28 504.00 Td (by ) Tj ET Q q 0 0 0 rg BT 400.24 504.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 428.75 504.00 Td (net ) Tj ET Q q 0 0 0 rg BT 443.94 504.00 Td (production ) Tj ET Q q 0 0 0 rg BT 490.23 504.00 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 527.34 504.00 Td (Card ) Tj ET Q q 0 0 0 rg BT 549.74 504.00 Td (& ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 492.00 Td (Auto ) Tj ET Q q 0 0 0 rg BT 72.00 492.00 Td (net ) Tj ET Q q 0 0 0 rg BT 86.72 492.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 120.86 492.00 Td (was ) Tj ET Q q 0 0 0 rg BT 138.91 492.00 Td ($5.9 ) Tj ET Q q 0 0 0 rg BT 158.91 492.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 190.03 492.00 Td (up ) Tj ET Q q 0 0 0 rg BT 202.53 492.00 Td (8%, ) Tj ET Q q 0 0 0 rg BT 220.86 492.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 248.90 492.00 Td (by ) Tj ET Q q 0 0 0 rg BT 261.40 492.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 289.45 492.00 Td (Card ) Tj ET Q q 0 0 0 rg BT 311.39 492.00 Td (net ) Tj ET Q q 0 0 0 rg BT 326.11 492.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 358.04 492.00 Td (income ) Tj ET Q q 0 0 0 rg BT 389.97 492.00 Td (on ) Tj ET Q q 0 0 0 rg BT 402.47 492.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 422.19 492.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 453.02 492.00 Td (and ) Tj ET Q q 0 0 0 rg BT 469.96 492.00 Td (mar) Tj ET Q q 0 0 0 rg BT 485.33 492.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 500.60 492.00 Td (expansion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.68 474.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.41 474.00 Td (was ) Tj ET Q q 0 0 0 rg BT 151.48 474.00 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 171.51 474.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.64 474.00 Td (up ) Tj ET Q q 0 0 0 rg BT 215.17 474.00 Td (3%, ) Tj ET Q q 0 0 0 rg BT 233.52 474.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 261.59 474.00 Td (by ) Tj ET Q q 0 0 0 rg BT 274.12 474.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 302.19 474.00 Td (volume- ) Tj ET Q q 0 0 0 rg BT 338.03 474.00 Td (and ) Tj ET Q q 0 0 0 rg BT 355.00 474.00 Td (revenue-related ) Tj ET Q q 0 0 0 rg BT 419.70 474.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 454.43 474.00 Td (and ) Tj ET Q q 0 0 0 rg BT 471.39 474.00 Td (investments, ) Tj ET Q q 0 0 0 rg BT 524.19 474.00 Td (partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.00 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 462.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 74.59 462.00 Td (by ) Tj ET Q q 0 0 0 rg BT 87.09 462.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 112.36 462.00 Td (structural ) Tj ET Q q 0 0 0 rg BT 152.62 462.00 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 444.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.81 444.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.36 444.00 Td (for ) Tj ET Q q 0 0 0 rg BT 122.78 444.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.31 444.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 174.97 444.00 Td (was ) Tj ET Q q 0 0 0 rg BT 193.29 444.00 Td ($5.8 ) Tj ET Q q 0 0 0 rg BT 213.56 444.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 244.93 444.00 Td (up ) Tj ET Q q 0 0 0 rg BT 257.70 444.00 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 277.97 444.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 306.85 444.00 Td (from ) Tj ET Q q 0 0 0 rg BT 329.05 444.00 Td (the ) Tj ET Q q 0 0 0 rg BT 344.03 444.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 366.24 444.00 Td (year ) Tj ET Q q 0 0 0 rg BT 386.21 444.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 414.52 444.00 Td (by ) Tj ET Q q 0 0 0 rg BT 427.29 444.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 458.92 444.00 Td (builds, ) Tj ET Q q 0 0 0 rg BT 488.64 444.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 549.72 444.00 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.00 Td (Card. ) Tj ET Q q 0 0 0 rg BT 73.94 432.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 90.88 432.00 Td (char) Tj ET Q q 0 0 0 rg BT 107.90 432.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 128.82 432.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 138.54 432.00 Td (were ) Tj ET Q q 0 0 0 rg BT 160.47 432.00 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 180.47 432.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 211.58 432.00 Td (flat ) Tj ET Q q 0 0 0 rg BT 227.41 432.00 Td (versus ) Tj ET Q q 0 0 0 rg BT 255.46 432.00 Td (the ) Tj ET Q q 0 0 0 rg BT 270.18 432.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 292.12 432.00 Td (year ) Tj ET Q q 0 0 0 rg BT 311.82 432.00 Td (and ) Tj ET Q q 0 0 0 rg BT 328.76 432.00 Td (in-line ) Tj ET Q q 0 0 0 rg BT 357.37 432.00 Td (with ) Tj ET Q q 0 0 0 rg BT 377.64 432.00 Td (expectations ) Tj ET Q q 0 0 0 rg BT 430.13 432.00 Td (for ) Tj ET Q q 0 0 0 rg BT 444.29 432.00 Td (the ) Tj ET Q q 0 0 0 rg BT 459.00 432.00 Td (quarter) Tj ET Q q 0 0 0 rg BT 486.77 432.00 Td (.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 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 (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 706.17 Td (1Q19) 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 (1Q20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 691.17 Td (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 691.17 Td (1Q19) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 676.17 Td (9,948) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 676.17 Td (9,647) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.60 676.17 Td (10,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 676.17 Td (301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 676.17 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 499.80 676.22 Td (\(86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 676.17 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 676.17 Td (\)%) 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 (2,595) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 661.17 Td (3,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 661.17 Td (3,418) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 661.22 Td (\(91) Tj ET Q q 0 0 0 rg BT 414.13 661.22 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 661.17 Td (\(26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 661.22 Td (\(823) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 661.17 Td (\(24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 647.07 Td (Markets & Securities Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 646.17 Td (7,353) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 646.17 Td (6,141) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 646.17 Td (6,616) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 646.17 Td (1,212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 646.17 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 646.17 Td (737) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 646.17 Td (1) Tj ET Q q 0 0 0 rg BT 544.80 646.17 Td (1) 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 (5,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 631.17 Td (5,392) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 631.17 Td (5,629) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 631.17 Td (504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 631.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 631.17 Td (267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 631.17 Td (5) 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 249.65 616.17 Td (1,401) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 616.17 Td (98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 616.17 Td (87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 616.17 Td (1,303) 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 490.65 616.17 Td (1,314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 616.17 Td (NM) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 601.17 Td (1,988) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 601.17 Td (2,938) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 601.17 Td (3,260) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 601.22 Td (\(950) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 601.17 Td (\(32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 601.17 Td (\)%) 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 487.30 601.22 Td (\(1,272) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 601.17 Td (\(39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 601.17 Td (\)%) 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 /F6 10.00 Tf ET BT /F6 6.50 Tf ET q 0 0 0 rg BT 137.85 583.53 Td (10) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 144.35 579.00 Td (:) 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 (down ) Tj ET Q q 0 0 0 rg BT 192.26 561.00 Td (39%, ) Tj ET Q q 0 0 0 rg BT 215.59 561.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 276.41 561.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 304.46 561.00 Td (by ) Tj ET Q q 0 0 0 rg BT 316.96 561.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 348.32 561.00 Td (builds. ) Tj ET Q q 0 0 0 rg BT 377.77 561.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 394.71 561.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 428.86 561.00 Td (was ) Tj ET Q q 0 0 0 rg BT 446.91 561.00 Td ($9.9 ) Tj ET Q q 0 0 0 rg BT 466.91 561.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 498.02 561.00 Td (down ) Tj ET Q q 0 0 0 rg BT 522.74 561.00 Td (1%.) 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 85.51 543.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 119.27 543.00 Td (was ) Tj ET Q q 0 0 0 rg BT 136.95 543.00 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 156.57 543.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 187.30 543.00 Td (down ) Tj ET Q q 0 0 0 rg BT 211.64 543.00 Td (24%. ) Tj ET Q q 0 0 0 rg BT 234.59 543.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 281.15 543.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 317.15 543.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 350.92 543.00 Td (was ) Tj ET Q q 0 0 0 rg BT 368.59 543.00 Td ($886 ) Tj ET Q q 0 0 0 rg BT 390.71 543.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 424.23 543.00 Td (down ) Tj ET Q q 0 0 0 rg BT 448.57 543.00 Td (49%, ) Tj ET Q q 0 0 0 rg BT 471.52 543.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 531.96 543.00 Td (driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.00 Td (by ) Tj ET Q q 0 0 0 rg BT 61.58 531.00 Td ($820 ) Tj ET Q q 0 0 0 rg BT 83.66 531.00 Td (million ) Tj ET Q q 0 0 0 rg BT 114.64 531.00 Td (of ) Tj ET Q q 0 0 0 rg BT 125.05 531.00 Td (markdowns ) Tj ET Q q 0 0 0 rg BT 173.79 531.00 Td (on ) Tj ET Q q 0 0 0 rg BT 185.87 531.00 Td (held-for) Tj ET Q q 0 0 0 rg BT 217.88 531.00 Td (-sale ) Tj ET Q q 0 0 0 rg BT 238.84 531.00 Td (positions ) Tj ET Q q 0 0 0 rg BT 277.04 531.00 Td (in ) Tj ET Q q 0 0 0 rg BT 286.90 531.00 Td (the ) Tj ET Q q 0 0 0 rg BT 301.19 531.00 Td (bridge ) Tj ET Q q 0 0 0 rg BT 328.82 531.00 Td (book) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 348.82 535.53 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.07 531.00 Td (, ) Tj ET Q q 0 0 0 rg BT 356.65 531.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 392.06 531.00 Td (of) Tj ET Q q 0 0 0 rg BT 400.21 531.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 416.73 531.00 Td (by ) Tj ET Q q 0 0 0 rg BT 428.81 531.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 456.44 531.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 502.95 531.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 538.92 531.00 Td (fees, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.00 Td (up ) Tj ET Q q 0 0 0 rg BT 62.08 519.00 Td (3%. ) Tj ET Q q 0 0 0 rg BT 80.50 519.00 Td (Higher ) Tj ET Q q 0 0 0 rg BT 110.85 519.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 130.65 519.00 Td (and ) Tj ET Q q 0 0 0 rg BT 147.67 519.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 175.25 519.00 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 229.49 519.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 248.17 519.00 Td (were ) Tj ET Q q 0 0 0 rg BT 270.18 519.00 Td (lar) Tj ET Q q 0 0 0 rg BT 280.54 519.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 300.34 519.00 Td (of) Tj ET Q q 0 0 0 rg BT 308.49 519.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 325.52 519.00 Td (by ) Tj ET Q q 0 0 0 rg BT 338.10 519.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 363.45 519.00 Td (advisory ) Tj ET Q q 0 0 0 rg BT 400.47 519.00 Td (fees. ) Tj ET Q q 0 0 0 rg BT 421.47 519.00 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 466.25 519.00 Td (Payments ) Tj ET Q q 0 0 0 rg BT 507.72 519.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 541.95 519.00 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.00 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 69.53 507.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 100.67 507.00 Td (down ) Tj ET Q q 0 0 0 rg BT 125.41 507.00 Td (4%, ) Tj ET Q q 0 0 0 rg BT 143.77 507.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 171.84 507.00 Td (by ) Tj ET Q q 0 0 0 rg BT 184.37 507.00 Td (a ) Tj ET Q q 0 0 0 rg BT 191.33 507.00 Td (reporting ) Tj ET Q q 0 0 0 rg BT 230.51 507.00 Td (re-classification ) Tj ET Q q 0 0 0 rg BT 296.90 507.00 Td (in ) Tj ET Q q 0 0 0 rg BT 307.20 507.00 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 348.04 507.00 Td (Services. ) Tj ET Q q 0 0 0 rg BT 386.94 507.00 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 420.58 507.00 Td (mar) Tj ET Q q 0 0 0 rg BT 435.94 507.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 451.25 507.00 Td (compression ) Tj ET Q q 0 0 0 rg BT 504.32 507.00 Td (was ) Tj ET Q q 0 0 0 rg BT 522.40 507.00 Td (of) Tj ET Q q 0 0 0 rg BT 530.55 507.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 547.51 507.00 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 82.49 495.00 Td (and ) Tj ET Q q 0 0 0 rg BT 99.38 495.00 Td (fee ) Tj ET Q q 0 0 0 rg BT 114.05 495.00 Td (growth. ) Tj ET Q q 0 0 0 rg BT 147.33 495.00 Td (Lending ) Tj ET Q q 0 0 0 rg BT 183.11 495.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 217.21 495.00 Td (was ) Tj ET Q q 0 0 0 rg BT 235.22 495.00 Td ($350 ) Tj ET Q q 0 0 0 rg BT 257.68 495.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 291.53 495.00 Td (up ) Tj ET Q q 0 0 0 rg BT 303.98 495.00 Td (36%, ) Tj ET Q q 0 0 0 rg BT 327.27 495.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 388.04 495.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 416.05 495.00 Td (by ) Tj ET Q q 0 0 0 rg BT 428.50 495.00 Td (mark-to-market ) Tj ET Q q 0 0 0 rg BT 493.71 495.00 Td (gains ) Tj ET Q q 0 0 0 rg BT 517.27 495.00 Td (on ) Tj ET Q q 0 0 0 rg BT 529.73 495.00 Td (hedges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 483.00 Td (accrual ) Tj ET Q q 0 0 0 rg BT 91.69 483.00 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 465.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 85.64 465.00 Td (& ) Tj ET Q q 0 0 0 rg BT 96.79 465.00 Td (Securities ) Tj ET Q q 0 0 0 rg BT 139.60 465.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 176.85 465.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 211.87 465.00 Td (was ) Tj ET Q q 0 0 0 rg BT 230.79 465.00 Td ($7.4 ) Tj ET Q q 0 0 0 rg BT 251.67 465.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 283.65 465.00 Td (up ) Tj ET Q q 0 0 0 rg BT 297.03 465.00 Td (1) Tj ET Q q 0 0 0 rg BT 301.65 465.00 Td (1%. ) Tj ET Q q 0 0 0 rg BT 320.86 465.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 357.00 465.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 392.02 465.00 Td (was ) Tj ET Q q 0 0 0 rg BT 410.94 465.00 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 431.82 465.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 463.80 465.00 Td (up ) Tj ET Q q 0 0 0 rg BT 477.17 465.00 Td (32%. ) Tj ET Q q 0 0 0 rg BT 501.38 465.00 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 527.53 465.00 Td (Income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 453.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 85.36 453.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 120.10 453.00 Td (was ) Tj ET Q q 0 0 0 rg BT 138.74 453.00 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 159.33 453.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 191.03 453.00 Td (up ) Tj ET Q q 0 0 0 rg BT 204.12 453.00 Td (34%, ) Tj ET Q q 0 0 0 rg BT 228.04 453.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 256.68 453.00 Td (by ) Tj ET Q q 0 0 0 rg BT 269.77 453.00 Td (strong ) Tj ET Q q 0 0 0 rg BT 297.86 453.00 Td (client ) Tj ET Q q 0 0 0 rg BT 323.17 453.00 Td (activity) Tj ET Q q 0 0 0 rg BT 352.51 453.00 Td (, ) Tj ET Q q 0 0 0 rg BT 358.10 453.00 Td (particularly ) Tj ET Q q 0 0 0 rg BT 407.28 453.00 Td (in ) Tj ET Q q 0 0 0 rg BT 418.15 453.00 Td (Rates ) Tj ET Q q 0 0 0 rg BT 443.46 453.00 Td (and ) Tj ET Q q 0 0 0 rg BT 460.98 453.00 Td (Currencies ) Tj ET Q q 0 0 0 rg BT 507.39 453.00 Td (& ) Tj ET Q q 0 0 0 rg BT 518.26 453.00 Td (Emer) Tj ET Q q 0 0 0 rg BT 539.73 453.00 Td (ging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 441.00 Td (Markets. ) Tj ET Q q 0 0 0 rg BT 87.55 441.00 Td (Equity ) Tj ET Q q 0 0 0 rg BT 117.00 441.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 152.55 441.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 186.98 441.00 Td (was ) Tj ET Q q 0 0 0 rg BT 205.31 441.00 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 225.59 441.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 256.99 441.00 Td (up ) Tj ET Q q 0 0 0 rg BT 269.77 441.00 Td (28%, ) Tj ET Q q 0 0 0 rg BT 293.38 441.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 354.49 441.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 382.81 441.00 Td (by ) Tj ET Q q 0 0 0 rg BT 395.60 441.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 423.93 441.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 458.35 441.00 Td (in ) Tj ET Q q 0 0 0 rg BT 468.91 441.00 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 518.07 441.00 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 429.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 86.30 429.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 120.88 429.00 Td (was ) Tj ET Q q 0 0 0 rg BT 139.35 429.00 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 159.78 429.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 191.32 429.00 Td (up ) Tj ET Q q 0 0 0 rg BT 204.25 429.00 Td (6%, ) Tj ET Q q 0 0 0 rg BT 223.00 429.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 284.25 429.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 312.72 429.00 Td (by ) Tj ET Q q 0 0 0 rg BT 325.65 429.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 359.11 429.00 Td (and ) Tj ET Q q 0 0 0 rg BT 376.47 429.00 Td (fee ) Tj ET Q q 0 0 0 rg BT 391.60 429.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 422.86 429.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 459.11 429.00 Td (of) Tj ET Q q 0 0 0 rg BT 467.26 429.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 484.62 429.00 Td (by ) Tj ET Q q 0 0 0 rg BT 497.55 429.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 529.36 429.00 Td (mar) Tj ET Q q 0 0 0 rg BT 544.73 429.00 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 417.00 Td (compression. ) Tj ET Q q 0 0 0 rg BT 105.99 417.00 Td (Credit ) Tj ET Q q 0 0 0 rg BT 133.67 417.00 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 187.67 417.00 Td (& ) Tj ET Q q 0 0 0 rg BT 198.90 417.00 Td (Other ) Tj ET Q q 0 0 0 rg BT 225.11 417.00 Td (was ) Tj ET Q q 0 0 0 rg BT 244.11 417.00 Td (a ) Tj ET Q q 0 0 0 rg BT 251.99 417.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 271.00 417.00 Td (of ) Tj ET Q q 0 0 0 rg BT 282.77 417.00 Td ($951 ) Tj ET Q q 0 0 0 rg BT 306.22 417.00 Td (million ) Tj ET Q q 0 0 0 rg BT 338.55 417.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 400.32 417.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 429.31 417.00 Td (by ) Tj ET Q q 0 0 0 rg BT 442.75 417.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 477.31 417.00 Td (spread ) Tj ET Q q 0 0 0 rg BT 506.85 417.00 Td (widening ) Tj ET Q q 0 0 0 rg BT 547.51 417.00 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 405.00 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 99.32 387.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.70 387.00 Td (was ) Tj ET Q q 0 0 0 rg BT 153.42 387.00 Td ($5.9 ) Tj ET Q q 0 0 0 rg BT 174.09 387.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 205.87 387.00 Td (up ) Tj ET Q q 0 0 0 rg BT 219.04 387.00 Td (5%, ) Tj ET Q q 0 0 0 rg BT 238.04 387.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 266.76 387.00 Td (by ) Tj ET Q q 0 0 0 rg BT 279.92 387.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 308.64 387.00 Td (legal ) Tj ET Q q 0 0 0 rg BT 331.24 387.00 Td (expense, ) Tj ET Q q 0 0 0 rg BT 369.12 387.00 Td (as ) Tj ET Q q 0 0 0 rg BT 380.62 387.00 Td (well ) Tj ET Q q 0 0 0 rg BT 401.00 387.00 Td (as ) Tj ET Q q 0 0 0 rg BT 412.50 387.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 441.22 387.00 Td (volume- ) Tj ET Q q 0 0 0 rg BT 477.71 387.00 Td (and ) Tj ET Q q 0 0 0 rg BT 495.32 387.00 Td (revenue-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.21 375.00 Td (and ) Tj ET Q q 0 0 0 rg BT 101.15 375.00 Td (investments, ) Tj ET Q q 0 0 0 rg BT 153.92 375.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 189.74 375.00 Td (of) Tj ET Q q 0 0 0 rg BT 197.89 375.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 214.83 375.00 Td (by ) Tj ET Q q 0 0 0 rg BT 227.33 375.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 252.60 375.00 Td (structural ) Tj ET Q q 0 0 0 rg BT 292.86 375.00 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 357.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.84 357.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.42 357.00 Td (for ) Tj ET Q q 0 0 0 rg BT 122.88 357.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.44 357.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 175.13 357.00 Td (was ) Tj ET Q q 0 0 0 rg BT 193.47 357.00 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 213.77 357.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 245.18 357.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 306.30 357.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 334.64 357.00 Td (by ) Tj ET Q q 0 0 0 rg BT 347.44 357.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 379.10 357.00 Td (builds ) Tj ET Q q 0 0 0 rg BT 406.35 357.00 Td (from ) Tj ET Q q 0 0 0 rg BT 428.58 357.00 Td (the ) Tj ET Q q 0 0 0 rg BT 443.60 357.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 473.61 357.00 Td (of ) Tj ET Q q 0 0 0 rg BT 484.73 357.00 Td (COVID-19 ) Tj ET Q q 0 0 0 rg BT 532.52 357.00 Td (across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 345.00 Td (multiple ) Tj ET Q q 0 0 0 rg BT 84.76 345.00 Td (sectors ) Tj ET Q q 0 0 0 rg BT 114.46 345.00 Td (and ) Tj ET Q q 0 0 0 rg BT 130.82 345.00 Td (continued ) Tj ET Q q 0 0 0 rg BT 172.19 345.00 Td (pressure ) Tj ET Q q 0 0 0 rg BT 207.43 345.00 Td (on ) Tj ET Q q 0 0 0 rg BT 219.36 345.00 Td (oil ) Tj ET Q q 0 0 0 rg BT 231.85 345.00 Td (prices, ) Tj ET Q q 0 0 0 rg BT 260.15 345.00 Td (with ) Tj ET Q q 0 0 0 rg BT 279.86 345.00 Td (the ) Tj ET Q q 0 0 0 rg BT 294.01 345.00 Td (lar) Tj ET Q q 0 0 0 rg BT 304.37 345.00 Td (gest ) Tj ET Q q 0 0 0 rg BT 322.41 345.00 Td (impacts ) Tj ET Q q 0 0 0 rg BT 355.44 345.00 Td (in ) Tj ET Q q 0 0 0 rg BT 365.15 345.00 Td (the ) Tj ET Q q 0 0 0 rg BT 379.29 345.00 Td (Oil ) Tj ET Q q 0 0 0 rg BT 394.00 345.00 Td (& ) Tj ET Q q 0 0 0 rg BT 403.71 345.00 Td (Gas ) Tj ET Q q 0 0 0 rg BT 421.19 345.00 Td (and ) Tj ET Q q 0 0 0 rg BT 437.56 345.00 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 480.59 345.00 Td (& ) Tj ET Q q 0 0 0 rg BT 490.30 345.00 Td (Retail ) Tj ET Q q 0 0 0 rg BT 516.11 345.00 Td (industries.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 328.50 511.00 -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 52.50 313.40 Td (COMMERCIAL) Tj ET Q q 1 1 1 rg BT 131.94 313.40 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 50.00 298.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 298.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 298.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 298.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 298.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 298.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 298.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 298.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 298.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 298.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 283.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 283.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 283.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 283.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 283.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 283.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 283.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 283.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 283.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 283.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 283.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 283.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 223.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 223.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 223.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 223.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 223.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 223.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 223.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 223.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 223.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 223.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 223.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 223.50 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 378 283.5 m 423 283.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 283.5 m 468 283.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 283.5 m 472 283.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 283.5 m 517 283.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 283.5 m 562 283.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 268.5 m 231 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 268.5 m 276 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 268.5 m 280 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 268.5 m 325 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 268.5 m 329 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 268.5 m 374 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 268.5 m 378 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 268.5 m 423 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 268.5 m 468 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 268.5 m 472 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 268.5 m 517 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 268.5 m 562 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 268.5 m 276 268.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 223.5 m 231 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 208.5 m 231 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 223.5 m 276 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 208.5 m 276 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 223.5 m 280 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 208.5 m 280 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 223.5 m 325 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 208.5 m 325 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 223.5 m 329 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 208.5 m 329 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 223.5 m 374 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 208.5 m 374 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 223.5 m 378 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 208.5 m 378 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 223.5 m 423 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 208.5 m 423 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 223.5 m 468 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 208.5 m 468 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 223.5 m 472 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 208.5 m 472 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 223.5 m 517 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 208.5 m 517 208.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 223.5 m 562 223.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 208.5 m 562 208.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 288.17 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 288.17 Td (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 288.17 Td (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 273.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 273.17 Td (1Q20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 273.17 Td (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 273.17 Td (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 273.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 273.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 273.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 273.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 259.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 258.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 258.17 Td (2,178) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 258.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 258.17 Td (2,297) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 258.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 258.17 Td (2,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 258.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 258.22 Td (\(1) Tj ET Q q 0 0 0 rg BT 409.13 258.22 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 258.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 258.17 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 258.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 258.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 258.22 Td (\(235) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 258.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 258.17 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 258.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 244.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 243.17 Td (988) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 243.17 Td (943) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 243.17 Td (938) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 243.17 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 243.17 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 243.17 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 243.17 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 229.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 228.17 Td (1,010) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 228.17 Td (1) Tj ET Q q 0 0 0 rg BT 311.15 228.17 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 228.17 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 228.17 Td (900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 228.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 228.17 Td (920) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 228.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 214.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 213.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 213.17 Td (147) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 213.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 213.17 Td (944) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 213.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 213.17 Td (1,060) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 213.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 213.22 Td (\(797) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 213.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 213.17 Td (\(84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 213.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 213.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 213.22 Td (\(913) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 213.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 213.17 Td (\(86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 213.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 191.00 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 191.00 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 191.00 Td (Results) Tj ET Q BT /F6 10.00 Tf ET BT /F6 6.50 Tf ET q 0 0 0 rg BT 137.85 195.53 Td (10) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 144.35 191.00 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 173.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 173.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 173.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 173.00 Td ($147 ) Tj ET Q q 0 0 0 rg BT 138.92 173.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 173.00 Td (down ) Tj ET Q q 0 0 0 rg BT 197.54 173.00 Td (86%, ) Tj ET Q q 0 0 0 rg BT 220.87 173.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 281.69 173.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 309.73 173.00 Td (by ) Tj ET Q q 0 0 0 rg BT 322.23 173.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 353.60 173.00 Td (builds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 155.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.21 155.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.13 155.00 Td (was ) Tj ET Q q 0 0 0 rg BT 117.96 155.00 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 137.73 155.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 168.62 155.00 Td (down ) Tj ET Q q 0 0 0 rg BT 193.12 155.00 Td (10%, ) Tj ET Q q 0 0 0 rg BT 216.22 155.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 244.04 155.00 Td (by ) Tj ET Q q 0 0 0 rg BT 256.32 155.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 281.36 155.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 312.52 155.00 Td (mar) Tj ET Q q 0 0 0 rg BT 327.89 155.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 342.94 155.00 Td (and ) Tj ET Q q 0 0 0 rg BT 359.65 155.00 Td (markdowns ) Tj ET Q q 0 0 0 rg BT 408.59 155.00 Td (on ) Tj ET Q q 0 0 0 rg BT 420.86 155.00 Td (held-for) Tj ET Q q 0 0 0 rg BT 452.87 155.00 Td (-sale ) Tj ET Q q 0 0 0 rg BT 474.02 155.00 Td (positions ) Tj ET Q q 0 0 0 rg BT 512.41 155.00 Td (in ) Tj ET Q q 0 0 0 rg BT 522.47 155.00 Td (the ) Tj ET Q q 0 0 0 rg BT 536.96 155.00 Td (bridge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.00 Td (book) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 69.50 147.53 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.75 143.00 Td (, ) Tj ET Q q 0 0 0 rg BT 77.75 143.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 113.57 143.00 Td (of) Tj ET Q q 0 0 0 rg BT 121.72 143.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 138.66 143.00 Td (by ) Tj ET Q q 0 0 0 rg BT 151.16 143.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 179.20 143.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 210.59 143.00 Td (balances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 125.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 125.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 125.00 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 125.00 Td ($988 ) Tj ET Q q 0 0 0 rg BT 173.91 125.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 207.81 125.00 Td (up ) Tj ET Q q 0 0 0 rg BT 220.31 125.00 Td (5%, ) Tj ET Q q 0 0 0 rg BT 238.64 125.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 299.46 125.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 327.50 125.00 Td (by ) Tj ET Q q 0 0 0 rg BT 340.00 125.00 Td (investments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 107.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.96 107.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.65 107.00 Td (for ) Tj ET Q q 0 0 0 rg BT 123.22 107.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.90 107.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 175.70 107.00 Td (was ) Tj ET Q q 0 0 0 rg BT 194.17 107.00 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 214.58 107.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 246.11 107.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 307.34 107.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 335.80 107.00 Td (by ) Tj ET Q q 0 0 0 rg BT 348.71 107.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 380.49 107.00 Td (builds ) Tj ET Q q 0 0 0 rg BT 407.85 107.00 Td (from ) Tj ET Q q 0 0 0 rg BT 430.20 107.00 Td (the ) Tj ET Q q 0 0 0 rg BT 445.33 107.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 475.46 107.00 Td (of ) Tj ET Q q 0 0 0 rg BT 486.70 107.00 Td ( ) Tj ET Q q 0 0 0 rg BT 489.61 107.00 Td (COVID-19 ) Tj ET Q q 0 0 0 rg BT 537.52 107.00 Td (across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 95.00 Td (multiple ) Tj ET Q q 0 0 0 rg BT 85.83 95.00 Td (sectors ) Tj ET Q q 0 0 0 rg BT 116.60 95.00 Td (and ) Tj ET Q q 0 0 0 rg BT 134.04 95.00 Td (continued ) Tj ET Q q 0 0 0 rg BT 176.47 95.00 Td (pressure ) Tj ET Q q 0 0 0 rg BT 212.79 95.00 Td (on ) Tj ET Q q 0 0 0 rg BT 225.79 95.00 Td (oil ) Tj ET Q q 0 0 0 rg BT 239.35 95.00 Td (prices, ) Tj ET Q q 0 0 0 rg BT 268.73 95.00 Td (with ) Tj ET Q q 0 0 0 rg BT 289.51 95.00 Td (the ) Tj ET Q q 0 0 0 rg BT 304.72 95.00 Td (lar) Tj ET Q q 0 0 0 rg BT 315.09 95.00 Td (gest ) Tj ET Q q 0 0 0 rg BT 334.20 95.00 Td (impacts ) Tj ET Q q 0 0 0 rg BT 368.30 95.00 Td (in ) Tj ET Q q 0 0 0 rg BT 379.08 95.00 Td (the ) Tj ET Q q 0 0 0 rg BT 394.30 95.00 Td (Oil ) Tj ET Q q 0 0 0 rg BT 410.08 95.00 Td (& ) Tj ET Q q 0 0 0 rg BT 420.86 95.00 Td (Gas, ) Tj ET Q q 0 0 0 rg BT 441.91 95.00 Td (Real ) Tj ET Q q 0 0 0 rg BT 463.24 95.00 Td (Estate, ) Tj ET Q q 0 0 0 rg BT 493.17 95.00 Td (and ) Tj ET Q q 0 0 0 rg BT 510.61 95.00 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 554.72 95.00 Td (& ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 83.00 Td (Retail ) Tj ET Q q 0 0 0 rg BT 75.88 83.00 Td (industries. ) Tj ET Q q 0 0 0 rg BT 119.77 83.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 136.71 83.00 Td (char) Tj ET Q q 0 0 0 rg BT 153.73 83.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 174.65 83.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 184.37 83.00 Td (were ) Tj ET Q q 0 0 0 rg BT 206.30 83.00 Td ($100 ) Tj ET Q q 0 0 0 rg BT 228.80 83.00 Td (million ) Tj ET Q q 0 0 0 rg BT 260.19 83.00 Td (lar) Tj ET Q q 0 0 0 rg BT 270.56 83.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 290.28 83.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 318.32 83.00 Td (by ) Tj ET Q q 0 0 0 rg BT 330.82 83.00 Td (Oil ) Tj ET Q q 0 0 0 rg BT 346.10 83.00 Td (& ) Tj ET Q q 0 0 0 rg BT 356.38 83.00 Td (Gas, ) Tj ET Q q 0 0 0 rg BT 376.93 83.00 Td (up ) Tj ET Q q 0 0 0 rg BT 389.43 83.00 Td ($89 ) Tj ET Q q 0 0 0 rg BT 406.93 83.00 Td (million ) Tj ET Q q 0 0 0 rg BT 438.32 83.00 Td (versus ) Tj ET Q q 0 0 0 rg BT 466.38 83.00 Td (the ) Tj ET Q q 0 0 0 rg BT 481.09 83.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 503.03 83.00 Td (year) Tj ET Q q 0 0 0 rg BT 519.69 83.00 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 (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 706.17 Td (1Q19) 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 (1Q20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 691.17 Td (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 691.17 Td (1Q19) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 676.17 Td (3,606) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 676.17 Td (3,700) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 676.17 Td (3,489) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 676.22 Td (\(94) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 676.17 Td (\)) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 676.17 Td (1) Tj ET Q q 0 0 0 rg BT 503.15 676.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 676.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 662.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 661.17 Td (2,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 661.17 Td (2,650) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 661.17 Td (2,647) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 661.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 661.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 661.17 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 661.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 647.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 646.17 Td (94) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 646.17 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 646.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 646.17 Td (81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 646.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 646.17 Td (92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 646.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 632.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 631.17 Td (664) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 631.17 Td (785) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 631.17 Td (661) 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 (\(121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 631.17 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 631.17 Td (\)%) 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 508.15 631.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 631.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 631.17 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 ($664 ) 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 (flat ) Tj ET Q q 0 0 0 rg BT 188.64 591.00 Td (versus ) Tj ET Q q 0 0 0 rg BT 216.69 591.00 Td (the ) Tj ET Q q 0 0 0 rg BT 231.41 591.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 253.35 591.00 Td (year) Tj ET Q q 0 0 0 rg BT 270.00 591.00 Td (.) 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 66.40 573.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.50 573.00 Td (was ) Tj ET Q q 0 0 0 rg BT 118.52 573.00 Td ($3.6 ) Tj ET Q q 0 0 0 rg BT 138.48 573.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 169.55 573.00 Td (up ) Tj ET Q q 0 0 0 rg BT 182.01 573.00 Td (3%, ) Tj ET Q q 0 0 0 rg BT 200.30 573.00 Td (lar) Tj ET Q q 0 0 0 rg BT 210.67 573.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 230.34 573.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 258.35 573.00 Td (by ) Tj ET Q q 0 0 0 rg BT 270.81 573.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 298.82 573.00 Td (management ) Tj ET Q q 0 0 0 rg BT 352.36 573.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 370.92 573.00 Td (on ) Tj ET Q q 0 0 0 rg BT 383.38 573.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 411.39 573.00 Td (average ) Tj ET Q q 0 0 0 rg BT 444.93 573.00 Td (market ) Tj ET Q q 0 0 0 rg BT 475.16 573.00 Td (levels ) Tj ET Q q 0 0 0 rg BT 500.94 573.00 Td (and ) Tj ET Q q 0 0 0 rg BT 517.84 573.00 Td (net ) Tj ET Q q 0 0 0 rg BT 532.52 573.00 Td (inflows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 561.00 Td (over ) Tj ET Q q 0 0 0 rg BT 69.77 561.00 Td (the ) Tj ET Q q 0 0 0 rg BT 84.49 561.00 Td (past ) Tj ET Q q 0 0 0 rg BT 103.09 561.00 Td (year) Tj ET Q q 0 0 0 rg BT 119.90 561.00 Td (, ) Tj ET Q q 0 0 0 rg BT 124.90 561.00 Td (as ) Tj ET Q q 0 0 0 rg BT 135.73 561.00 Td (well ) Tj ET Q q 0 0 0 rg BT 155.45 561.00 Td (as ) Tj ET Q q 0 0 0 rg BT 166.28 561.00 Td (increased ) Tj ET Q q 0 0 0 rg BT 206.53 561.00 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 249.01 561.00 Td (activity) Tj ET Q q 0 0 0 rg BT 278.35 561.00 Td (, ) Tj ET Q q 0 0 0 rg BT 283.35 561.00 Td (lar) Tj ET Q q 0 0 0 rg BT 293.71 561.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 313.43 561.00 Td (of) Tj ET Q q 0 0 0 rg BT 321.58 561.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 338.52 561.00 Td (by ) Tj ET Q q 0 0 0 rg BT 351.02 561.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 376.29 561.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 422.67 561.00 Td (valuations.) 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 98.77 543.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.59 543.00 Td (was ) Tj ET Q q 0 0 0 rg BT 151.75 543.00 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 171.86 543.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 203.09 543.00 Td (flat ) Tj ET Q q 0 0 0 rg BT 219.03 543.00 Td (versus ) Tj ET Q q 0 0 0 rg BT 247.19 543.00 Td (the ) Tj ET Q q 0 0 0 rg BT 262.02 543.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 284.07 543.00 Td (year) Tj ET Q q 0 0 0 rg BT 300.88 543.00 Td (, ) Tj ET Q q 0 0 0 rg BT 305.99 543.00 Td (as ) Tj ET Q q 0 0 0 rg BT 316.93 543.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 345.09 543.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 395.48 543.00 Td (and ) Tj ET Q q 0 0 0 rg BT 412.53 543.00 Td (volume- ) Tj ET Q q 0 0 0 rg BT 448.46 543.00 Td (and ) Tj ET Q q 0 0 0 rg BT 465.52 543.00 Td (revenue-related ) Tj ET Q q 0 0 0 rg BT 530.31 543.00 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.00 Td (were ) Tj ET Q q 0 0 0 rg BT 71.43 531.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 132.25 531.00 Td (of) Tj ET Q q 0 0 0 rg BT 140.40 531.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 157.34 531.00 Td (by ) Tj ET Q q 0 0 0 rg BT 169.84 531.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 195.11 531.00 Td (structural ) Tj ET Q q 0 0 0 rg BT 235.37 531.00 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 513.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 513.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.83 513.00 Td (for ) Tj ET Q q 0 0 0 rg BT 121.99 513.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.25 513.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 173.64 513.00 Td (was ) Tj ET Q q 0 0 0 rg BT 191.69 513.00 Td ($94 ) Tj ET Q q 0 0 0 rg BT 209.19 513.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 243.08 513.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 271.13 513.00 Td (by ) Tj ET Q q 0 0 0 rg BT 283.63 513.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 315.00 513.00 Td (builds ) Tj ET Q q 0 0 0 rg BT 341.95 513.00 Td (from ) Tj ET Q q 0 0 0 rg BT 363.88 513.00 Td (the ) Tj ET Q q 0 0 0 rg BT 378.60 513.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 408.31 513.00 Td (of ) Tj ET Q q 0 0 0 rg BT 419.14 513.00 Td (COVID-19, ) Tj ET Q q 0 0 0 rg BT 469.14 513.00 Td (as ) Tj ET Q q 0 0 0 rg BT 479.97 513.00 Td (well ) Tj ET Q q 0 0 0 rg BT 499.69 513.00 Td (as ) Tj ET Q q 0 0 0 rg BT 510.52 513.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 530.23 513.00 Td (growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.00 Td (Assets ) Tj ET Q q 0 0 0 rg BT 78.74 495.00 Td (under ) Tj ET Q q 0 0 0 rg BT 104.64 495.00 Td (management ) Tj ET Q q 0 0 0 rg BT 158.85 495.00 Td (were ) Tj ET Q q 0 0 0 rg BT 181.41 495.00 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 202.04 495.00 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 234.89 495.00 Td (up ) Tj ET Q q 0 0 0 rg BT 248.01 495.00 Td (7%, ) Tj ET Q q 0 0 0 rg BT 266.97 495.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 295.65 495.00 Td (by ) Tj ET Q q 0 0 0 rg BT 308.77 495.00 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 356.33 495.00 Td (net ) Tj ET Q q 0 0 0 rg BT 371.67 495.00 Td (inflows, ) Tj ET Q q 0 0 0 rg BT 407.30 495.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 443.75 495.00 Td (of) Tj ET Q q 0 0 0 rg BT 451.90 495.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 469.46 495.00 Td (by ) Tj ET Q q 0 0 0 rg BT 482.59 495.00 Td (the ) Tj ET Q q 0 0 0 rg BT 497.94 495.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 528.27 495.00 Td (of ) Tj ET Q q 0 0 0 rg BT 539.73 495.00 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.00 Td (market ) Tj ET Q q 0 0 0 rg BT 79.76 483.00 Td (levels ) Tj ET Q q 0 0 0 rg BT 105.59 483.00 Td (at ) Tj ET Q q 0 0 0 rg BT 115.31 483.00 Td (the ) Tj ET Q q 0 0 0 rg BT 130.02 483.00 Td (end ) Tj ET Q q 0 0 0 rg BT 146.96 483.00 Td (of ) Tj ET Q q 0 0 0 rg BT 157.79 483.00 Td (the ) Tj ET Q q 0 0 0 rg BT 172.51 483.00 Td (quarter) Tj ET Q q 0 0 0 rg BT 200.27 483.00 Td (.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 466.50 511.00 -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 52.50 451.40 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 451.40 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 50.00 436.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 436.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 436.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 436.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 436.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 436.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 436.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 436.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 436.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 436.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 421.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 421.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 421.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 421.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 421.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 421.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 421.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 421.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 421.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 421.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 421.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 421.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 391.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 391.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 391.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 391.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 391.50 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 391.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 376.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 376.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 361.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 361.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 361.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 361.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 361.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 361.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 361.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 361.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 361.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 361.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 361.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 361.50 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 378 421.5 m 423 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 421.5 m 468 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 421.5 m 472 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 421.5 m 517 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 421.5 m 562 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 406.5 m 231 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 406.5 m 276 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 406.5 m 280 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 406.5 m 325 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 406.5 m 329 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 406.5 m 374 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 406.5 m 378 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 406.5 m 423 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 406.5 m 468 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 406.5 m 472 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 406.5 m 517 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 406.5 m 562 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 406.5 m 276 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 406.5 m 325 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 406.5 m 374 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 406.5 m 468 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 406.5 m 562 406.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 361.5 m 374 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 361.5 m 231 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 346.5 m 231 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 361.5 m 276 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 346.5 m 276 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 361.5 m 280 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 346.5 m 280 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 361.5 m 325 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 346.5 m 325 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 361.5 m 329 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 346.5 m 329 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 361.5 m 374 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 346.5 m 374 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 361.5 m 378 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 346.5 m 378 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 361.5 m 423 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 346.5 m 423 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 361.5 m 468 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 346.5 m 468 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 361.5 m 472 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 346.5 m 472 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 361.5 m 517 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 346.5 m 517 346.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 361.5 m 562 361.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 346.5 m 562 346.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 426.17 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 426.17 Td (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 426.17 Td (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 411.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 411.17 Td (1Q20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 411.17 Td (4Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 411.17 Td (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 411.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 411.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 411.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 411.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 397.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 396.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 396.17 Td (166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 396.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 396.22 Td (\(228) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 396.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 396.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 396.17 Td (425) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 396.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 396.17 Td (394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 396.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 396.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 396.22 Td (\(259) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 396.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 396.17 Td (\(61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 396.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 382.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 381.17 Td (146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 381.17 Td (343) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 381.17 Td (21) Tj ET Q q 0 0 0 rg BT 365.15 381.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 381.22 Td (\(197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 381.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 381.22 Td (\(57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 381.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 381.22 Td (\(65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 381.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 381.17 Td (\(31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 381.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 367.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.15 366.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 366.22 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 366.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 366.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 366.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 366.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.15 366.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.80 366.17 Td (300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 352.07 Td (Net income/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 351.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.80 351.17 Td (\(125) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 351.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 351.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 351.22 Td (\(361) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 351.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 351.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 351.17 Td (251) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 351.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 351.17 Td (236) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 351.17 Td (65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 351.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 351.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 351.22 Td (\(376) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 351.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 351.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 323.60 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.60 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 305.60 Td (loss ) Tj ET Q q 0 0 0 rg BT 84.50 305.60 Td (was ) Tj ET Q q 0 0 0 rg BT 102.55 305.60 Td ($125 ) Tj ET Q q 0 0 0 rg BT 125.05 305.60 Td (million, ) Tj ET Q q 0 0 0 rg BT 158.94 305.60 Td (compared ) Tj ET Q q 0 0 0 rg BT 200.87 305.60 Td (with ) Tj ET Q q 0 0 0 rg BT 221.15 305.60 Td (a ) Tj ET Q q 0 0 0 rg BT 228.08 305.60 Td (net ) Tj ET Q q 0 0 0 rg BT 242.80 305.60 Td (income ) Tj ET Q q 0 0 0 rg BT 274.73 305.60 Td (of ) Tj ET Q q 0 0 0 rg BT 285.56 305.60 Td ($251 ) Tj ET Q q 0 0 0 rg BT 308.06 305.60 Td (million ) Tj ET Q q 0 0 0 rg BT 339.46 305.60 Td (in ) Tj ET Q q 0 0 0 rg BT 349.73 305.60 Td (the ) Tj ET Q q 0 0 0 rg BT 364.45 305.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 386.39 305.60 Td (year) Tj ET Q q 0 0 0 rg BT 403.04 305.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 287.60 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.24 287.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.18 287.60 Td (was ) Tj ET Q q 0 0 0 rg BT 118.03 287.60 Td ($166 ) Tj ET Q q 0 0 0 rg BT 140.33 287.60 Td (million ) Tj ET Q q 0 0 0 rg BT 171.52 287.60 Td (and ) Tj ET Q q 0 0 0 rg BT 188.26 287.60 Td (included ) Tj ET Q q 0 0 0 rg BT 224.99 287.60 Td ($233 ) Tj ET Q q 0 0 0 rg BT 247.29 287.60 Td (million ) Tj ET Q q 0 0 0 rg BT 278.48 287.60 Td (of ) Tj ET Q q 0 0 0 rg BT 289.11 287.60 Td (net ) Tj ET Q q 0 0 0 rg BT 303.63 287.60 Td (investment ) Tj ET Q q 0 0 0 rg BT 349.81 287.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 389.87 287.60 Td (gains. ) Tj ET Q q 0 0 0 rg BT 415.78 287.60 Td (Net ) Tj ET Q q 0 0 0 rg BT 432.51 287.60 Td (revenue ) Tj ET Q q 0 0 0 rg BT 466.46 287.60 Td (was ) Tj ET Q q 0 0 0 rg BT 484.31 287.60 Td (down ) Tj ET Q q 0 0 0 rg BT 508.83 287.60 Td ($259 ) Tj ET Q q 0 0 0 rg BT 531.13 287.60 Td (million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.60 Td (driven ) Tj ET Q q 0 0 0 rg BT 77.55 275.60 Td (by ) Tj ET Q q 0 0 0 rg BT 90.05 275.60 Td (lower ) Tj ET Q q 0 0 0 rg BT 115.32 275.60 Td (net ) Tj ET Q q 0 0 0 rg BT 130.03 275.60 Td (interest ) Tj ET Q q 0 0 0 rg BT 161.97 275.60 Td (income ) Tj ET Q q 0 0 0 rg BT 193.90 275.60 Td (on ) Tj ET Q q 0 0 0 rg BT 206.40 275.60 Td (lower ) Tj ET Q q 0 0 0 rg BT 231.67 275.60 Td (rates, ) Tj ET Q q 0 0 0 rg BT 255.54 275.60 Td (partially ) Tj ET Q q 0 0 0 rg BT 291.37 275.60 Td (of) Tj ET Q q 0 0 0 rg BT 299.51 275.60 Td (fset ) Tj ET Q q 0 0 0 rg BT 316.45 275.60 Td (by ) Tj ET Q q 0 0 0 rg BT 328.95 275.60 Td (higher ) Tj ET Q q 0 0 0 rg BT 357.00 275.60 Td (net ) Tj ET Q q 0 0 0 rg BT 371.72 275.60 Td (investment ) Tj ET Q q 0 0 0 rg BT 418.10 275.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 458.36 275.60 Td (gains.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 257.60 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 257.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 257.60 Td (was ) Tj ET Q q 0 0 0 rg BT 151.41 257.60 Td ($146 ) Tj ET Q q 0 0 0 rg BT 173.91 257.60 Td (million ) Tj ET Q q 0 0 0 rg BT 205.31 257.60 Td (down ) Tj ET Q q 0 0 0 rg BT 230.03 257.60 Td ($65 ) Tj ET Q q 0 0 0 rg BT 247.53 257.60 Td (million.) 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 (2. ) 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 BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 710.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.87 710.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 108.14 710.25 Td (prepares ) Tj ET Q q 0 0 0 rg BT 144.83 710.25 Td (its ) Tj ET Q q 0 0 0 rg BT 157.11 710.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 212.70 710.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 252.74 710.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 299.44 710.25 Td (using ) Tj ET Q q 0 0 0 rg BT 323.94 710.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 370.63 710.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 412.89 710.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 452.92 710.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 490.71 710.25 Td (in ) Tj ET Q q 0 0 0 rg BT 501.31 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.35 710.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 536.96 710.25 Td (\(U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 698.25 Td (GAAP\). ) Tj ET Q q 0 0 0 rg BT 107.17 698.25 Td (That ) Tj ET Q q 0 0 0 rg BT 127.85 698.25 Td (presentation, ) Tj ET Q q 0 0 0 rg BT 181.57 698.25 Td (which ) Tj ET Q q 0 0 0 rg BT 208.36 698.25 Td (is ) Tj ET Q q 0 0 0 rg BT 217.37 698.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 251.36 698.25 Td (to ) Tj ET Q q 0 0 0 rg BT 261.49 698.25 Td (as ) Tj ET Q q 0 0 0 rg BT 272.16 698.25 Td (reported?) Tj ET Q q 0 0 0 rg BT 316.71 698.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 341.55 698.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 378.34 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 392.91 698.25 Td (reader ) Tj ET Q q 0 0 0 rg BT 420.23 698.25 Td (with ) Tj ET Q q 0 0 0 rg BT 440.36 698.25 Td (an ) Tj ET Q q 0 0 0 rg BT 452.14 698.25 Td (understanding ) Tj ET Q q 0 0 0 rg BT 511.15 698.25 Td (of ) Tj ET Q q 0 0 0 rg BT 521.83 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 536.39 698.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 558.62 698.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (results ) Tj ET Q q 0 0 0 rg BT 96.80 686.25 Td (that ) Tj ET Q q 0 0 0 rg BT 114.99 686.25 Td (can ) Tj ET Q q 0 0 0 rg BT 132.06 686.25 Td (be ) Tj ET Q q 0 0 0 rg BT 144.69 686.25 Td (tracked ) Tj ET Q q 0 0 0 rg BT 177.30 686.25 Td (consistently ) Tj ET Q q 0 0 0 rg BT 228.27 686.25 Td (from ) Tj ET Q q 0 0 0 rg BT 250.90 686.25 Td (year) Tj ET Q q 0 0 0 rg BT 267.91 686.25 Td (-to-year ) Tj ET Q q 0 0 0 rg BT 302.75 686.25 Td (and ) Tj ET Q q 0 0 0 rg BT 320.38 686.25 Td (enables ) Tj ET Q q 0 0 0 rg BT 353.55 686.25 Td (a ) Tj ET Q q 0 0 0 rg BT 361.19 686.25 Td (comparison ) Tj ET Q q 0 0 0 rg BT 411.03 686.25 Td (of ) Tj ET Q q 0 0 0 rg BT 422.56 686.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.96 686.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 460.19 686.25 Td (s ) Tj ET Q q 0 0 0 rg BT 467.28 686.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 520.99 686.25 Td (with ) Tj ET Q q 0 0 0 rg BT 541.96 686.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (companies? Tj ET Q q 0 0 0 rg BT 112.85 674.25 Td ( ) Tj ET Q q 0 0 0 rg BT 116.09 674.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 137.11 674.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 163.96 674.25 Td ( ) Tj ET Q q 0 0 0 rg BT 167.20 674.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 205.42 674.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 253.36 674.25 Td (In ) Tj ET Q q 0 0 0 rg BT 264.93 674.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 300.94 674.25 Td (to ) Tj ET Q q 0 0 0 rg BT 311.96 674.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 354.06 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.52 674.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 391.74 674.25 Td (s ) Tj ET Q q 0 0 0 rg BT 398.87 674.25 Td (results ) Tj ET Q q 0 0 0 rg BT 428.22 674.25 Td (on ) Tj ET Q q 0 0 0 rg BT 441.45 674.25 Td (a ) Tj ET Q q 0 0 0 rg BT 449.13 674.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 485.68 674.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 511.42 674.25 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 100.63 662.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 141.56 662.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 172.20 662.25 Td (including ) Tj ET Q q 0 0 0 rg BT 212.01 662.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.26 662.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 264.94 662.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 287.80 662.25 Td (on ) Tj ET Q q 0 0 0 rg BT 299.84 662.25 Td (a ) Tj ET Q q 0 0 0 rg BT 306.31 662.25 Td (managed?) Tj ET Q q 0 0 0 rg BT 353.32 662.25 Td (basis; ) Tj ET Q q 0 0 0 rg BT 378.13 662.25 Td (these ) Tj ET Q q 0 0 0 rg BT 400.71 662.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 441.63 662.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 479.76 662.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 501.80 662.25 Td (results ) Tj ET Q q 0 0 0 rg BT 529.94 662.25 Td (are ) Tj ET Q q 0 0 0 rg BT 544.18 662.25 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 650.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 94.36 650.25 Td ( ) Tj ET Q q 0 0 0 rg BT 96.25 650.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 133.13 650.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 174.60 650.25 Td (The ) Tj ET Q q 0 0 0 rg BT 192.05 650.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 213.39 650.25 Td (also ) Tj ET Q q 0 0 0 rg BT 231.40 650.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 264.40 650.25 Td (the ) Tj ET Q q 0 0 0 rg BT 278.51 650.25 Td (results ) Tj ET Q q 0 0 0 rg BT 306.52 650.25 Td (of ) Tj ET Q q 0 0 0 rg BT 316.75 650.25 Td (the ) Tj ET Q q 0 0 0 rg BT 330.86 650.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 351.65 650.25 Td (of ) Tj ET Q q 0 0 0 rg BT 361.88 650.25 Td (business ) Tj ET Q q 0 0 0 rg BT 397.67 650.25 Td (on ) Tj ET Q q 0 0 0 rg BT 409.56 650.25 Td (a ) Tj ET Q q 0 0 0 rg BT 415.90 650.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 453.89 650.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 478.16 650.25 Td (The ) Tj ET Q q 0 0 0 rg BT 495.60 650.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 517.83 650.25 Td (s ) Tj ET Q q 0 0 0 rg BT 523.62 650.25 Td (definition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 638.25 Td (of ) Tj ET Q q 0 0 0 rg BT 78.67 638.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 117.60 638.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 140.43 638.25 Td (starts, ) Tj ET Q q 0 0 0 rg BT 166.88 638.25 Td (in ) Tj ET Q q 0 0 0 rg BT 177.50 638.25 Td (each ) Tj ET Q q 0 0 0 rg BT 198.65 638.25 Td (case, ) Tj ET Q q 0 0 0 rg BT 221.19 638.25 Td (with ) Tj ET Q q 0 0 0 rg BT 241.81 638.25 Td (the ) Tj ET Q q 0 0 0 rg BT 256.86 638.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 293.01 638.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 313.63 638.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 340.49 638.25 Td ( ) Tj ET Q q 0 0 0 rg BT 343.33 638.25 Td (results ) Tj ET Q q 0 0 0 rg BT 372.27 638.25 Td (and ) Tj ET Q q 0 0 0 rg BT 389.55 638.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 425.71 638.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 455.75 638.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 523.00 638.25 Td (to ) Tj ET Q q 0 0 0 rg BT 533.62 638.25 Td (present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (total ) Tj ET Q q 0 0 0 rg BT 88.72 626.25 Td (net ) Tj ET Q q 0 0 0 rg BT 104.39 626.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 139.49 626.25 Td (for ) Tj ET Q q 0 0 0 rg BT 154.60 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 170.27 626.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 193.17 626.25 Td (and ) Tj ET Q q 0 0 0 rg BT 211.06 626.25 Td (each ) Tj ET Q q 0 0 0 rg BT 232.82 626.25 Td (of ) Tj ET Q q 0 0 0 rg BT 244.61 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.27 626.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 304.26 626.25 Td (business ) Tj ET Q q 0 0 0 rg BT 341.60 626.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 382.27 626.25 Td (on ) Tj ET Q q 0 0 0 rg BT 395.72 626.25 Td (a ) Tj ET Q q 0 0 0 rg BT 403.61 626.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 425.95 626.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 503.25 626.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 540.02 626.25 Td (basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 116.84 614.25 Td (, ) Tj ET Q q 0 0 0 rg BT 121.66 614.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 155.63 614.25 Td (from ) Tj ET Q q 0 0 0 rg BT 177.40 614.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 227.50 614.25 Td (that ) Tj ET Q q 0 0 0 rg BT 244.82 614.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 276.00 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 290.55 614.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 319.53 614.25 Td (and ) Tj ET Q q 0 0 0 rg BT 336.29 614.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 383.60 614.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 423.69 614.25 Td (is ) Tj ET Q q 0 0 0 rg BT 432.68 614.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 473.32 614.25 Td (in ) Tj ET Q q 0 0 0 rg BT 483.43 614.25 Td (the ) Tj ET Q q 0 0 0 rg BT 497.97 614.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 536.39 614.25 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 602.25 Td (on ) Tj ET Q q 0 0 0 rg BT 81.33 602.25 Td (a ) Tj ET Q q 0 0 0 rg BT 89.60 602.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 113.43 602.25 Td (comparable ) Tj ET Q q 0 0 0 rg BT 163.90 602.25 Td (to ) Tj ET Q q 0 0 0 rg BT 175.50 602.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 208.20 602.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 259.81 602.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.07 602.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 321.89 602.25 Td (These ) Tj ET Q q 0 0 0 rg BT 349.60 602.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 388.41 602.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 429.44 602.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 455.49 602.25 Td (management ) Tj ET Q q 0 0 0 rg BT 510.41 602.25 Td (to ) Tj ET Q q 0 0 0 rg BT 522.01 602.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 550.29 602.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 125.40 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 136.10 590.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 170.11 590.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 199.69 590.25 Td (from ) Tj ET Q q 0 0 0 rg BT 221.50 590.25 Td (both ) Tj ET Q q 0 0 0 rg BT 241.64 590.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 272.88 590.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.68 590.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 337.03 590.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 371.71 590.25 Td (The ) Tj ET Q q 0 0 0 rg BT 389.63 590.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 449.20 590.25 Td (income ) Tj ET Q q 0 0 0 rg BT 481.00 590.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.58 590.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 525.16 590.25 Td (related ) Tj ET Q q 0 0 0 rg BT 554.73 590.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 578.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.68 578.25 Td (items ) Tj ET Q q 0 0 0 rg BT 138.54 578.25 Td (is ) Tj ET Q q 0 0 0 rg BT 147.40 578.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 184.57 578.25 Td (within ) Tj ET Q q 0 0 0 rg BT 212.32 578.25 Td (income ) Tj ET Q q 0 0 0 rg BT 243.95 578.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 258.36 578.25 Td (expense. ) Tj ET Q q 0 0 0 rg BT 295.10 578.25 Td (These ) Tj ET Q q 0 0 0 rg BT 321.18 578.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 371.15 578.25 Td (have ) Tj ET Q q 0 0 0 rg BT 392.22 578.25 Td (no ) Tj ET Q q 0 0 0 rg BT 404.41 578.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 433.82 578.25 Td (on ) Tj ET Q q 0 0 0 rg BT 446.01 578.25 Td (net ) Tj ET Q q 0 0 0 rg BT 460.42 578.25 Td (income ) Tj ET Q q 0 0 0 rg BT 492.05 578.25 Td (as ) Tj ET Q q 0 0 0 rg BT 502.58 578.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 538.09 578.25 Td (by ) Tj ET Q q 0 0 0 rg BT 550.28 578.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 566.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 89.64 566.25 Td (as ) Tj ET Q q 0 0 0 rg BT 100.65 566.25 Td (a ) Tj ET Q q 0 0 0 rg BT 107.78 566.25 Td (whole ) Tj ET Q q 0 0 0 rg BT 134.90 566.25 Td (or ) Tj ET Q q 0 0 0 rg BT 145.92 566.25 Td (by ) Tj ET Q q 0 0 0 rg BT 158.61 566.25 Td (the ) Tj ET Q q 0 0 0 rg BT 173.51 566.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 195.08 566.25 Td (of ) Tj ET Q q 0 0 0 rg BT 206.10 566.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 245.18 566.25 Td (For ) Tj ET Q q 0 0 0 rg BT 261.76 566.25 Td (a ) Tj ET Q q 0 0 0 rg BT 268.88 566.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 326.55 566.25 Td (of ) Tj ET Q q 0 0 0 rg BT 337.56 566.25 Td (the ) Tj ET Q q 0 0 0 rg BT 352.47 566.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 374.69 566.25 Td (s ) Tj ET Q q 0 0 0 rg BT 381.27 566.25 Td (results ) Tj ET Q q 0 0 0 rg BT 410.07 566.25 Td (from ) Tj ET Q q 0 0 0 rg BT 432.19 566.25 Td (a ) Tj ET Q q 0 0 0 rg BT 439.32 566.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 475.32 566.25 Td (to ) Tj ET Q q 0 0 0 rg BT 485.79 566.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 524.57 566.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 549.76 566.25 Td (see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 554.25 Td (page ) Tj ET Q q 0 0 0 rg BT 88.88 554.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 96.38 554.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.21 554.25 Td (the ) Tj ET Q q 0 0 0 rg BT 121.92 554.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 159.97 554.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 193.56 554.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 233.28 554.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 530.25 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 530.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.91 530.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 106.79 530.25 Td (common ) Tj ET Q q 0 0 0 rg BT 146.23 530.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 175.67 530.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 217.04 530.25 Td (return ) Tj ET Q q 0 0 0 rg BT 245.36 530.25 Td (on ) Tj ET Q q 0 0 0 rg BT 259.80 530.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 296.46 530.25 Td (common ) Tj ET Q q 0 0 0 rg BT 335.90 530.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 365.34 530.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 418.10 530.25 Td (and ) Tj ET Q q 0 0 0 rg BT 436.98 530.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 473.64 530.25 Td (book ) Tj ET Q q 0 0 0 rg BT 498.09 530.25 Td (value ) Tj ET Q q 0 0 0 rg BT 524.19 530.25 Td (per ) Tj ET Q q 0 0 0 rg BT 541.40 530.25 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (\(TBVPS\), ) Tj ET Q q 0 0 0 rg BT 120.16 518.25 Td (are ) Tj ET Q q 0 0 0 rg BT 135.87 518.25 Td (each ) Tj ET Q q 0 0 0 rg BT 157.68 518.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 202.87 518.25 Td ( ) Tj ET Q q 0 0 0 rg BT 206.37 518.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 244.85 518.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 287.80 518.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 310.19 518.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 354.23 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.94 518.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 392.17 518.25 Td (s ) Tj ET Q q 0 0 0 rg BT 399.56 518.25 Td (common ) Tj ET Q q 0 0 0 rg BT 438.06 518.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 491.19 518.25 Td ( ) Tj ET Q q 0 0 0 rg BT 494.69 518.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 523.19 518.25 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 544.73 518.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 120.63 506.25 Td ( ) Tj ET Q q 0 0 0 rg BT 122.16 506.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 148.67 506.25 Td (less ) Tj ET Q q 0 0 0 rg BT 165.20 506.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 203.36 506.25 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 229.32 506.25 Td (less ) Tj ET Q q 0 0 0 rg BT 245.84 506.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 282.92 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 298.88 506.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 345.94 506.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 387.45 506.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 412.30 506.25 Td (\(other ) Tj ET Q q 0 0 0 rg BT 437.70 506.25 Td (than ) Tj ET Q q 0 0 0 rg BT 456.44 506.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 495.73 506.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 533.91 506.25 Td (rights\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td (net ) Tj ET Q q 0 0 0 rg BT 81.44 494.25 Td (of ) Tj ET Q q 0 0 0 rg BT 91.48 494.25 Td (related ) Tj ET Q q 0 0 0 rg BT 120.41 494.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 155.43 494.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 169.37 494.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 210.80 494.25 Td (For ) Tj ET Q q 0 0 0 rg BT 226.41 494.25 Td (a ) Tj ET Q q 0 0 0 rg BT 232.57 494.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 289.26 494.25 Td (from ) Tj ET Q q 0 0 0 rg BT 310.42 494.25 Td (common ) Tj ET Q q 0 0 0 rg BT 347.13 494.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 400.27 494.25 Td ( ) Tj ET Q q 0 0 0 rg BT 401.99 494.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 428.70 494.25 Td (to ) Tj ET Q q 0 0 0 rg BT 438.07 494.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 461.18 494.25 Td (see ) Tj ET Q q 0 0 0 rg BT 475.67 494.25 Td (page ) Tj ET Q q 0 0 0 rg BT 496.26 494.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 502.98 494.25 Td (of ) Tj ET Q q 0 0 0 rg BT 513.03 494.25 Td (the ) Tj ET Q q 0 0 0 rg BT 526.97 494.25 Td (Earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 482.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 101.92 482.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 142.46 482.25 Td (Supplement. ) Tj ET Q q 0 0 0 rg BT 196.05 482.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 232.16 482.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 272.69 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 288.23 482.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 310.46 482.25 Td (s ) Tj ET Q q 0 0 0 rg BT 317.68 482.25 Td (net ) Tj ET Q q 0 0 0 rg BT 333.22 482.25 Td (income ) Tj ET Q q 0 0 0 rg BT 365.98 482.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 410.39 482.25 Td (to ) Tj ET Q q 0 0 0 rg BT 421.49 482.25 Td (common ) Tj ET Q q 0 0 0 rg BT 459.81 482.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 488.13 482.25 Td (as ) Tj ET Q q 0 0 0 rg BT 499.79 482.25 Td (a ) Tj ET Q q 0 0 0 rg BT 507.55 482.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 554.18 482.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 470.25 Td (average ) Tj ET Q q 0 0 0 rg BT 100.30 470.25 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 123.40 470.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 156.38 470.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 198.77 470.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.83 470.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 235.06 470.25 Td (s ) Tj ET Q q 0 0 0 rg BT 240.67 470.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 261.41 470.25 Td (at ) Tj ET Q q 0 0 0 rg BT 270.47 470.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 315.64 470.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 347.48 470.25 Td (by ) Tj ET Q q 0 0 0 rg BT 359.33 470.25 Td (common ) Tj ET Q q 0 0 0 rg BT 396.18 470.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 423.02 470.25 Td (at ) Tj ET Q q 0 0 0 rg BT 432.09 470.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 479.75 470.25 Td (Book ) Tj ET Q q 0 0 0 rg BT 503.28 470.25 Td (value ) Tj ET Q q 0 0 0 rg BT 526.78 470.25 Td (per ) Tj ET Q q 0 0 0 rg BT 541.40 470.25 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 458.25 Td (was ) Tj ET Q q 0 0 0 rg BT 85.10 458.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.10 458.25 Td (75.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.60 458.25 Td (, ) Tj ET Q q 0 0 0 rg BT 117.15 458.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.15 458.25 Td (75.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.65 458.25 Td ( ) Tj ET Q q 0 0 0 rg BT 146.70 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 163.19 458.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.19 458.25 Td (71.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.69 458.25 Td ( ) Tj ET Q q 0 0 0 rg BT 192.74 458.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.01 458.25 Td (March ) Tj ET Q q 0 0 0 rg BT 230.16 458.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 244.71 458.25 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.71 458.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.26 458.25 Td (December ) Tj ET Q q 0 0 0 rg BT 312.40 458.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 326.95 458.25 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.95 458.25 Td (, ) Tj ET Q q 0 0 0 rg BT 351.50 458.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.99 458.25 Td (March ) Tj ET Q q 0 0 0 rg BT 396.14 458.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 410.69 458.25 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.69 458.25 Td (, ) Tj ET Q q 0 0 0 rg BT 435.24 458.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 482.90 458.25 Td (. ) Tj ET Q q 0 0 0 rg BT 487.30 458.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 510.74 458.25 Td (ROTCE, ) Tj ET Q q 0 0 0 rg BT 548.07 458.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 446.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 101.12 446.25 Td (are ) Tj ET Q q 0 0 0 rg BT 115.83 446.25 Td (utilized ) Tj ET Q q 0 0 0 rg BT 148.32 446.25 Td (by ) Tj ET Q q 0 0 0 rg BT 160.82 446.25 Td (the ) Tj ET Q q 0 0 0 rg BT 175.54 446.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 199.99 446.25 Td (as ) Tj ET Q q 0 0 0 rg BT 210.82 446.25 Td (well ) Tj ET Q q 0 0 0 rg BT 230.53 446.25 Td (as ) Tj ET Q q 0 0 0 rg BT 241.36 446.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 279.97 446.25 Td (and ) Tj ET Q q 0 0 0 rg BT 296.91 446.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 334.13 446.25 Td (in ) Tj ET Q q 0 0 0 rg BT 344.40 446.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 384.13 446.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.84 446.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 421.07 446.25 Td (s ) Tj ET Q q 0 0 0 rg BT 427.46 446.25 Td (use ) Tj ET Q q 0 0 0 rg BT 443.29 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 454.12 446.25 Td (equity) Tj ET Q q 0 0 0 rg BT 478.47 446.25 Td (.) 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 (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 710.25 Td (Estimated. ) Tj ET Q q 0 0 0 rg BT 111.68 710.25 Td (As ) Tj ET Q q 0 0 0 rg BT 124.96 710.25 Td (of ) Tj ET Q q 0 0 0 rg BT 135.46 710.25 Td (March ) Tj ET Q q 0 0 0 rg BT 163.73 710.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 178.40 710.25 Td (2020, ) Tj ET Q q 0 0 0 rg BT 203.07 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 217.46 710.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 246.28 710.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 285.65 710.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 313.35 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 327.74 710.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 358.79 710.25 Td (CECL) Tj ET Q q 0 0 0 rg BT 383.97 710.25 Td ( ) Tj ET Q q 0 0 0 rg BT 386.14 710.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 414.96 710.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 454.90 710.25 Td (provisions ) Tj ET Q q 0 0 0 rg BT 498.74 710.25 Td (and ) Tj ET Q q 0 0 0 rg BT 515.35 710.25 Td (the ) Tj ET Q q 0 0 0 rg BT 529.74 710.25 Td (removal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 698.25 Td (of ) Tj ET Q q 0 0 0 rg BT 79.29 698.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 106.09 698.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 150.09 698.25 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 187.99 698.25 Td (to ) Tj ET Q q 0 0 0 rg BT 199.23 698.25 Td (a ) Tj ET Q q 0 0 0 rg BT 207.13 698.25 Td (non-recourse ) Tj ET Q q 0 0 0 rg BT 262.79 698.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 283.47 698.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 322.48 698.25 Td (under ) Tj ET Q q 0 0 0 rg BT 348.72 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 364.40 698.25 Td (Money ) Tj ET Q q 0 0 0 rg BT 396.19 698.25 Td (Market ) Tj ET Q q 0 0 0 rg BT 428.53 698.25 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 469.21 698.25 Td (Facility ) Tj ET Q q 0 0 0 rg BT 503.23 698.25 Td (\(MMLF\), ) Tj ET Q q 0 0 0 rg BT 554.18 698.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 104.89 686.25 Td (by ) Tj ET Q q 0 0 0 rg BT 116.74 686.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.80 686.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 150.43 686.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 184.49 686.25 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 223.26 686.25 Td (Refer ) Tj ET Q q 0 0 0 rg BT 247.31 686.25 Td (to ) Tj ET Q q 0 0 0 rg BT 256.93 686.25 Td (page ) Tj ET Q q 0 0 0 rg BT 277.65 686.25 Td (29 ) Tj ET Q q 0 0 0 rg BT 289.50 686.25 Td (of ) Tj ET Q q 0 0 0 rg BT 299.67 686.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.73 686.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 351.13 686.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 384.06 686.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 423.12 686.25 Td (Supplement ) Tj ET Q q 0 0 0 rg BT 472.74 686.25 Td (for ) Tj ET Q q 0 0 0 rg BT 486.24 686.25 Td (further ) Tj ET Q q 0 0 0 rg BT 515.29 686.25 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (on ) Tj ET Q q 0 0 0 rg BT 79.66 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 94.03 674.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 125.07 674.25 Td (CECL) Tj ET Q q 0 0 0 rg BT 150.25 674.25 Td ( ) Tj ET Q q 0 0 0 rg BT 152.41 674.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 181.22 674.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 221.15 674.25 Td (provisions ) Tj ET Q q 0 0 0 rg BT 264.98 674.25 Td (and ) Tj ET Q q 0 0 0 rg BT 281.58 674.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 312.62 674.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 333.12 674.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 387.48 674.25 Td (on ) Tj ET Q q 0 0 0 rg BT 399.63 674.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 424.56 674.25 Td (85-92 ) Tj ET Q q 0 0 0 rg BT 450.05 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 460.54 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 474.91 674.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 497.14 674.25 Td (s ) Tj ET Q q 0 0 0 rg BT 503.19 674.25 Td (2019 ) Tj ET Q q 0 0 0 rg BT 525.35 674.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 549.17 674.25 Td (10-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (K ) Tj ET Q q 0 0 0 rg BT 77.22 662.25 Td (for ) Tj ET Q q 0 0 0 rg BT 91.38 662.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 133.87 662.25 Td (information ) Tj ET Q q 0 0 0 rg BT 183.58 662.25 Td (on ) Tj ET Q q 0 0 0 rg BT 196.08 662.25 Td (these ) Tj ET Q q 0 0 0 rg BT 219.13 662.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 248.28 662.25 Td (measures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 644.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 644.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 644.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 644.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 626.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 626.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 626.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 118.88 626.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 146.38 626.25 Td (to ) Tj ET Q q 0 0 0 rg BT 156.66 626.25 Td (employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 608.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 608.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 608.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 608.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 590.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 590.25 Td (bridge ) Tj ET Q q 0 0 0 rg BT 113.59 590.25 Td (book ) Tj ET Q q 0 0 0 rg BT 136.09 590.25 Td (consists ) Tj ET Q q 0 0 0 rg BT 170.26 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 181.09 590.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 210.80 590.25 Td (held-for) Tj ET Q q 0 0 0 rg BT 242.80 590.25 Td (-sale ) Tj ET Q q 0 0 0 rg BT 264.18 590.25 Td (positions, ) Tj ET Q q 0 0 0 rg BT 305.30 590.25 Td (including ) Tj ET Q q 0 0 0 rg BT 345.57 590.25 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 385.84 590.25 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 445.28 590.25 Td (in ) Tj ET Q q 0 0 0 rg BT 455.56 590.25 Td (CIB ) Tj ET Q q 0 0 0 rg BT 474.73 590.25 Td (and ) Tj ET Q q 0 0 0 rg BT 491.67 590.25 Td (CB.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 572.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (On ) Tj ET Q q 0 0 0 rg BT 82.13 572.25 Td (March ) Tj ET Q q 0 0 0 rg BT 110.64 572.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 125.55 572.25 Td (2020, ) Tj ET Q q 0 0 0 rg BT 150.46 572.25 Td (in ) Tj ET Q q 0 0 0 rg BT 160.65 572.25 Td (response ) Tj ET Q q 0 0 0 rg BT 198.05 572.25 Td (to ) Tj ET Q q 0 0 0 rg BT 208.23 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 222.86 572.25 Td (COVID-19 ) Tj ET Q q 0 0 0 rg BT 270.27 572.25 Td (pandemic, ) Tj ET Q q 0 0 0 rg BT 314.05 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 328.67 572.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 350.53 572.25 Td (temporarily ) Tj ET Q q 0 0 0 rg BT 399.59 572.25 Td (suspended ) Tj ET Q q 0 0 0 rg BT 443.66 572.25 Td (share ) Tj ET Q q 0 0 0 rg BT 467.17 572.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 516.78 572.25 Td (through ) Tj ET Q q 0 0 0 rg BT 550.30 572.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (second ) Tj ET Q q 0 0 0 rg BT 97.77 560.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 128.58 560.25 Td (of ) Tj ET Q q 0 0 0 rg BT 139.41 560.25 Td (2020.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 542.25 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 542.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.59 542.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 134.24 542.25 Td (to ) Tj ET Q q 0 0 0 rg BT 145.11 542.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 174.32 542.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 217.95 542.25 Td (new ) Tj ET Q q 0 0 0 rg BT 237.71 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.25 542.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 292.21 542.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 320.57 542.25 Td (including ) Tj ET Q q 0 0 0 rg BT 361.45 542.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 385.65 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.19 542.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 463.23 542.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 491.32 542.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 529.96 542.25 Td (to ) Tj ET Q q 0 0 0 rg BT 540.84 542.25 Td (small ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 530.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 113.83 530.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 147.37 530.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 172.59 530.25 Td (and ) Tj ET Q q 0 0 0 rg BT 191.14 530.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 233.00 530.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 256.00 530.25 Td (of ) Tj ET Q q 0 0 0 rg BT 268.44 530.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 295.31 530.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 334.97 530.25 Td (by ) Tj ET Q q 0 0 0 rg BT 349.08 530.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 394.30 530.25 Td (& ) Tj ET Q q 0 0 0 rg BT 406.19 530.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 445.86 530.25 Td (Banking; ) Tj ET Q q 0 0 0 rg BT 486.64 530.25 Td (Card ) Tj ET Q q 0 0 0 rg BT 510.19 530.25 Td (& ) Tj ET Q q 0 0 0 rg BT 521.17 530.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 548.06 530.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 121.32 518.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 162.09 518.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 191.48 518.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 231.42 518.25 Td (to ) Tj ET Q q 0 0 0 rg BT 243.58 518.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 285.19 518.25 Td (and ) Tj ET Q q 0 0 0 rg BT 304.02 518.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 326.19 518.25 Td (and ) Tj ET Q q 0 0 0 rg BT 345.02 518.25 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 385.52 518.25 Td (government ) Tj ET Q q 0 0 0 rg BT 437.68 518.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 473.45 518.25 Td (including ) Tj ET Q q 0 0 0 rg BT 515.61 518.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 537.78 518.25 Td (states, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 129.44 506.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 167.79 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.01 506.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 236.40 506.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 279.73 506.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 305.28 506.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 343.61 506.25 Td (by ) Tj ET Q q 0 0 0 rg BT 356.40 506.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.40 506.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 414.17 506.25 Td (& ) Tj ET Q q 0 0 0 rg BT 424.74 506.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 471.96 506.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 495.86 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 513.08 506.25 Td (Commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 476.25 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 476.25 Td (In ) Tj ET Q q 0 0 0 rg BT 78.51 476.25 Td (the ) Tj ET Q q 0 0 0 rg BT 93.41 476.25 Td (first ) Tj ET Q q 0 0 0 rg BT 112.20 476.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 143.20 476.25 Td (of ) Tj ET Q q 0 0 0 rg BT 154.21 476.25 Td (2020, ) Tj ET Q q 0 0 0 rg BT 179.39 476.25 Td (to ) Tj ET Q q 0 0 0 rg BT 189.85 476.25 Td (complete ) Tj ET Q q 0 0 0 rg BT 229.19 476.25 Td (the ) Tj ET Q q 0 0 0 rg BT 244.09 476.25 Td (realignment ) Tj ET Q q 0 0 0 rg BT 294.53 476.25 Td (of ) Tj ET Q q 0 0 0 rg BT 305.54 476.25 Td (the ) Tj ET Q q 0 0 0 rg BT 320.44 476.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 342.66 476.25 Td (s ) Tj ET Q q 0 0 0 rg BT 349.24 476.25 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 391.91 476.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 429.02 476.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 473.92 476.25 Td (the ) Tj ET Q q 0 0 0 rg BT 488.82 476.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 510.95 476.25 Td (established ) Tj ET Q q 0 0 0 rg BT 558.07 476.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 464.25 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 111.65 464.25 Td (Payments ) Tj ET Q q 0 0 0 rg BT 152.49 464.25 Td (business ) Tj ET Q q 0 0 0 rg BT 188.33 464.25 Td (unit ) Tj ET Q q 0 0 0 rg BT 205.83 464.25 Td (within ) Tj ET Q q 0 0 0 rg BT 233.33 464.25 Td (CIB. ) Tj ET Q q 0 0 0 rg BT 254.31 464.25 Td (The ) Tj ET Q q 0 0 0 rg BT 271.67 464.25 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 315.82 464.25 Td (Payments ) Tj ET Q q 0 0 0 rg BT 356.65 464.25 Td (business ) Tj ET Q q 0 0 0 rg BT 392.49 464.25 Td (comprises ) Tj ET Q q 0 0 0 rg BT 434.85 464.25 Td (T) Tj ET Q q 0 0 0 rg BT 440.60 464.25 Td (reasury ) Tj ET Q q 0 0 0 rg BT 471.98 464.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 507.81 464.25 Td (and ) Tj ET Q q 0 0 0 rg BT 524.19 464.25 Td (Merchant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 452.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 103.78 452.25 Td (across ) Tj ET Q q 0 0 0 rg BT 131.17 452.25 Td (CIB, ) Tj ET Q q 0 0 0 rg BT 152.74 452.25 Td (CCB ) Tj ET Q q 0 0 0 rg BT 175.15 452.25 Td (and ) Tj ET Q q 0 0 0 rg BT 191.99 452.25 Td (CB ) Tj ET Q q 0 0 0 rg BT 207.73 452.25 Td (as ) Tj ET Q q 0 0 0 rg BT 218.46 452.25 Td (well ) Tj ET Q q 0 0 0 rg BT 238.08 452.25 Td (as ) Tj ET Q q 0 0 0 rg BT 248.81 452.25 Td (CIB ) Tj ET Q q 0 0 0 rg BT 267.71 452.25 Td (T) Tj ET Q q 0 0 0 rg BT 273.47 452.25 Td (rade ) Tj ET Q q 0 0 0 rg BT 293.08 452.25 Td (Finance ) Tj ET Q q 0 0 0 rg BT 327.13 452.25 Td (that ) Tj ET Q q 0 0 0 rg BT 344.53 452.25 Td (was ) Tj ET Q q 0 0 0 rg BT 362.48 452.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 407.10 452.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 442.82 452.25 Td (in ) Tj ET Q q 0 0 0 rg BT 453.00 452.25 Td (Lending ) Tj ET Q q 0 0 0 rg BT 488.72 452.25 Td (in ) Tj ET Q q 0 0 0 rg BT 498.90 452.25 Td (CIB. ) Tj ET Q q 0 0 0 rg BT 519.95 452.25 Td (As ) Tj ET Q q 0 0 0 rg BT 533.46 452.25 Td (a ) Tj ET Q q 0 0 0 rg BT 540.30 452.25 Td (result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 440.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.99 440.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 112.10 440.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 152.59 440.25 Td (and ) Tj ET Q q 0 0 0 rg BT 170.30 440.25 Td (headcount ) Tj ET Q q 0 0 0 rg BT 214.67 440.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 259.04 440.25 Td (with ) Tj ET Q q 0 0 0 rg BT 280.10 440.25 Td (the ) Tj ET Q q 0 0 0 rg BT 295.59 440.25 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 337.18 440.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 374.33 440.25 Td (business ) Tj ET Q q 0 0 0 rg BT 411.50 440.25 Td (were ) Tj ET Q q 0 0 0 rg BT 434.20 440.25 Td (realigned ) Tj ET Q q 0 0 0 rg BT 474.68 440.25 Td (to ) Tj ET Q q 0 0 0 rg BT 485.73 440.25 Td (CIB ) Tj ET Q q 0 0 0 rg BT 505.68 440.25 Td (from ) Tj ET Q q 0 0 0 rg BT 528.39 440.25 Td (CCB. ) Tj ET Q q 0 0 0 rg BT 554.18 440.25 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 428.25 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 117.12 428.25 Td (with ) Tj ET Q q 0 0 0 rg BT 137.31 428.25 Td (this ) Tj ET Q q 0 0 0 rg BT 154.17 428.25 Td (realignment ) Tj ET Q q 0 0 0 rg BT 204.34 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 218.96 428.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 253.02 428.25 Td (and ) Tj ET Q q 0 0 0 rg BT 269.87 428.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 308.37 428.25 Td (of ) Tj ET Q q 0 0 0 rg BT 319.11 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.74 428.25 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 374.47 428.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 410.75 428.25 Td (business ) Tj ET Q q 0 0 0 rg BT 447.05 428.25 Td (will ) Tj ET Q q 0 0 0 rg BT 465.02 428.25 Td (be ) Tj ET Q q 0 0 0 rg BT 476.87 428.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 512.59 428.25 Td (across ) Tj ET Q q 0 0 0 rg BT 539.99 428.25 Td (CCB, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 416.25 Td (CIB ) Tj ET Q q 0 0 0 rg BT 87.16 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 104.58 416.25 Td (CB ) Tj ET Q q 0 0 0 rg BT 120.91 416.25 Td (based ) Tj ET Q q 0 0 0 rg BT 146.66 416.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 186.86 416.25 Td (on ) Tj ET Q q 0 0 0 rg BT 199.84 416.25 Td (client ) Tj ET Q q 0 0 0 rg BT 225.04 416.25 Td (relationship. ) Tj ET Q q 0 0 0 rg BT 277.74 416.25 Td (Prior ) Tj ET Q q 0 0 0 rg BT 300.73 416.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 333.15 416.25 Td (have ) Tj ET Q q 0 0 0 rg BT 355.01 416.25 Td (been ) Tj ET Q q 0 0 0 rg BT 376.88 416.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 408.74 416.25 Td (to ) Tj ET Q q 0 0 0 rg BT 419.50 416.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 448.02 416.25 Td (this ) Tj ET Q q 0 0 0 rg BT 465.45 416.25 Td (realignment ) Tj ET Q q 0 0 0 rg BT 516.20 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 533.62 416.25 Td (revised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 404.25 Td (allocation ) Tj ET Q q 0 0 0 rg BT 109.43 404.25 Td (methodology) Tj ET Q q 0 0 0 rg BT 161.55 404.25 Td (.?) Tj ET Q q 0 0 0 rg BT 169.05 404.25 Td (Refer ) Tj ET Q q 0 0 0 rg BT 193.76 404.25 Td (to ) Tj ET Q q 0 0 0 rg BT 204.04 404.25 Td (page ) Tj ET Q q 0 0 0 rg BT 225.42 404.25 Td (30 ) Tj ET Q q 0 0 0 rg BT 237.92 404.25 Td (of ) Tj ET Q q 0 0 0 rg BT 248.75 404.25 Td (the ) Tj ET Q q 0 0 0 rg BT 263.46 404.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 301.51 404.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 335.10 404.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 374.81 404.25 Td (Supplement ) Tj ET Q q 0 0 0 rg BT 425.09 404.25 Td (for ) Tj ET Q q 0 0 0 rg BT 439.25 404.25 Td (further ) Tj ET Q q 0 0 0 rg BT 468.96 404.25 Td (information.) 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 ($3.1 ) 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 92.07 653.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 118.15 653.70 Td (& ) Tj ET Q q 0 0 0 rg BT 127.56 653.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 143.37 653.70 Td (will ) Tj ET Q q 0 0 0 rg BT 160.56 653.70 Td (host ) Tj ET Q q 0 0 0 rg BT 178.87 653.70 Td (a ) Tj ET Q q 0 0 0 rg BT 184.94 653.70 Td (conference ) Tj ET Q q 0 0 0 rg BT 230.43 653.70 Td (call ) Tj ET Q q 0 0 0 rg BT 246.51 653.70 Td (today) Tj ET Q q 0 0 0 rg BT 268.07 653.70 Td (, ) Tj ET Q q 0 0 0 rg BT 271.85 653.70 Td (April ) Tj ET Q q 0 0 0 rg BT 294.59 653.70 Td (14, ) Tj ET Q q 0 0 0 rg BT 308.73 653.70 Td (2020, ) Tj ET Q q 0 0 0 rg BT 332.87 653.70 Td (at ) Tj ET Q q 0 0 0 rg BT 341.72 653.70 Td (8:30 ) Tj ET Q q 0 0 0 rg BT 361.14 653.70 Td (a.m. ) Tj ET Q q 0 0 0 rg BT 379.99 653.70 Td (\(Eastern\) ) Tj ET Q q 0 0 0 rg BT 418.27 653.70 Td (to ) Tj ET Q q 0 0 0 rg BT 427.69 653.70 Td (present ) Tj ET Q q 0 0 0 rg BT 458.20 653.70 Td (first ) Tj ET Q q 0 0 0 rg BT 475.95 653.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 505.90 653.70 Td (2020 ) Tj ET Q q 0 0 0 rg BT 527.54 653.70 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.70 Td (results. ) Tj ET Q q 0 0 0 rg BT 79.68 641.70 Td (The ) Tj ET Q q 0 0 0 rg BT 96.91 641.70 Td (general ) Tj ET Q q 0 0 0 rg BT 128.03 641.70 Td (public ) Tj ET Q q 0 0 0 rg BT 154.72 641.70 Td (can ) Tj ET Q q 0 0 0 rg BT 170.28 641.70 Td (access ) Tj ET Q q 0 0 0 rg BT 197.51 641.70 Td (the ) Tj ET Q q 0 0 0 rg BT 211.42 641.70 Td (call ) Tj ET Q q 0 0 0 rg BT 227.54 641.70 Td (by ) Tj ET Q q 0 0 0 rg BT 239.23 641.70 Td (dialing ) Tj ET Q q 0 0 0 rg BT 268.70 641.70 Td (\(866\) ) Tj ET Q q 0 0 0 rg BT 292.05 641.70 Td (541-2724 ) Tj ET Q q 0 0 0 rg BT 332.07 641.70 Td (in ) Tj ET Q q 0 0 0 rg BT 341.54 641.70 Td (the ) Tj ET Q q 0 0 0 rg BT 355.45 641.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 374.92 641.70 Td (and ) Tj ET Q q 0 0 0 rg BT 391.05 641.70 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 425.23 641.70 Td (or ) Tj ET Q q 0 0 0 rg BT 435.25 641.70 Td (\(706\) ) Tj ET Q q 0 0 0 rg BT 458.60 641.70 Td (634-7246 ) Tj ET Q q 0 0 0 rg BT 498.62 641.70 Td (for ) Tj ET Q q 0 0 0 rg BT 511.97 641.70 Td (international ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.70 Td (participants ) Tj ET Q q 0 0 0 rg BT 98.23 629.70 Td (. ) Tj ET Q q 0 0 0 rg BT 102.80 629.70 Td (Please ) Tj ET Q q 0 0 0 rg BT 130.43 629.70 Td (dial ) Tj ET Q q 0 0 0 rg BT 147.50 629.70 Td (in ) Tj ET Q q 0 0 0 rg BT 157.35 629.70 Td (10 ) Tj ET Q q 0 0 0 rg BT 169.43 629.70 Td (minutes ) Tj ET Q q 0 0 0 rg BT 203.17 629.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 224.69 629.70 Td (to ) Tj ET Q q 0 0 0 rg BT 234.54 629.70 Td (the ) Tj ET Q q 0 0 0 rg BT 248.84 629.70 Td (start ) Tj ET Q q 0 0 0 rg BT 268.13 629.70 Td (of ) Tj ET Q q 0 0 0 rg BT 278.54 629.70 Td (the ) Tj ET Q q 0 0 0 rg BT 292.83 629.70 Td (call. ) Tj ET Q q 0 0 0 rg BT 311.69 629.70 Td (The ) Tj ET Q q 0 0 0 rg BT 329.31 629.70 Td (live ) Tj ET Q q 0 0 0 rg BT 346.38 629.70 Td (audio ) Tj ET Q q 0 0 0 rg BT 370.68 629.70 Td (webcast ) Tj ET Q q 0 0 0 rg BT 404.96 629.70 Td (and ) Tj ET Q q 0 0 0 rg BT 421.48 629.70 Td (presentation ) Tj ET Q q 0 0 0 rg BT 472.43 629.70 Td (slides ) Tj ET Q q 0 0 0 rg BT 497.28 629.70 Td (will ) Tj ET Q q 0 0 0 rg BT 514.91 629.70 Td (be ) Tj ET Q q 0 0 0 rg BT 526.43 629.70 Td (available ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 617.70 Td (on ) Tj ET Q q 0 0 0 rg BT 62.00 617.70 Td (the ) Tj ET Q q 0 0 0 rg BT 76.72 617.70 Td (Firm? Tj ET Q q 0 0 0 rg BT 98.94 617.70 Td (s ) Tj ET Q q 0 0 0 rg BT 105.33 617.70 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 140.88 617.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 161.90 617.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 188.10 617.70 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 244.47 617.70 Td (, ) Tj ET Q q 0 0 0 rg BT 249.47 617.70 Td (under ) Tj ET Q q 0 0 0 rg BT 274.73 617.70 Td (Investor ) Tj ET Q q 0 0 0 rg BT 310.00 617.70 Td (Relations, ) Tj ET Q q 0 0 0 rg BT 352.78 617.70 Td (Events ) Tj ET Q q 0 0 0 rg BT 382.49 617.70 Td (& ) Tj ET Q q 0 0 0 rg BT 392.77 617.70 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 58.16 593.70 Td (replay ) Tj ET Q q 0 0 0 rg BT 85.14 593.70 Td (of ) Tj ET Q q 0 0 0 rg BT 95.46 593.70 Td (the ) Tj ET Q q 0 0 0 rg BT 109.67 593.70 Td (conference ) Tj ET Q q 0 0 0 rg BT 155.52 593.70 Td (call ) Tj ET Q q 0 0 0 rg BT 171.94 593.70 Td (will ) Tj ET Q q 0 0 0 rg BT 189.49 593.70 Td (be ) Tj ET Q q 0 0 0 rg BT 200.92 593.70 Td (available ) Tj ET Q q 0 0 0 rg BT 239.00 593.70 Td (beginning ) Tj ET Q q 0 0 0 rg BT 280.99 593.70 Td (at ) Tj ET Q q 0 0 0 rg BT 290.20 593.70 Td (approximately ) Tj ET Q q 0 0 0 rg BT 349.95 593.70 Td (12:30 ) Tj ET Q q 0 0 0 rg BT 374.72 593.70 Td (p.m. ) Tj ET Q q 0 0 0 rg BT 394.49 593.70 Td (on ) Tj ET Q q 0 0 0 rg BT 406.04 593.70 Td (April ) Tj ET Q q 0 0 0 rg BT 429.14 593.70 Td (14, ) Tj ET Q q 0 0 0 rg BT 443.64 593.70 Td (2020, ) Tj ET Q q 0 0 0 rg BT 468.13 593.70 Td (through ) Tj ET Q q 0 0 0 rg BT 501.23 593.70 Td (midnight, ) Tj ET Q q 0 0 0 rg BT 541.39 593.70 Td (April ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.70 Td (28, ) Tj ET Q q 0 0 0 rg BT 64.91 581.70 Td (2020, ) Tj ET Q q 0 0 0 rg BT 90.31 581.70 Td (by ) Tj ET Q q 0 0 0 rg BT 103.22 581.70 Td (telephone ) Tj ET Q q 0 0 0 rg BT 144.99 581.70 Td (at ) Tj ET Q q 0 0 0 rg BT 155.12 581.70 Td (\(855\) ) Tj ET Q q 0 0 0 rg BT 179.68 581.70 Td (859-2056 ) Tj ET Q q 0 0 0 rg BT 220.92 581.70 Td (\(U.S. ) Tj ET Q q 0 0 0 rg BT 244.93 581.70 Td (and ) Tj ET Q q 0 0 0 rg BT 262.28 581.70 Td (Canada\) ) Tj ET Q q 0 0 0 rg BT 298.50 581.70 Td (or ) Tj ET Q q 0 0 0 rg BT 309.73 581.70 Td (\(404\) ) Tj ET Q q 0 0 0 rg BT 334.30 581.70 Td (537-3406 ) Tj ET Q q 0 0 0 rg BT 375.54 581.70 Td (\(international\); ) Tj ET Q q 0 0 0 rg BT 438.42 581.70 Td (use ) Tj ET Q q 0 0 0 rg BT 454.65 581.70 Td (Conference ) Tj ET Q q 0 0 0 rg BT 503.64 581.70 Td (ID ) Tj ET Q q 0 0 0 rg BT 517.10 581.70 Td (# ) Tj ET Q q 0 0 0 rg BT 525.00 581.70 Td (2438738. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 569.70 Td (The ) Tj ET Q q 0 0 0 rg BT 68.42 569.70 Td (replay ) Tj ET Q q 0 0 0 rg BT 96.79 569.70 Td (will ) Tj ET Q q 0 0 0 rg BT 115.72 569.70 Td (also ) Tj ET Q q 0 0 0 rg BT 135.20 569.70 Td (be ) Tj ET Q q 0 0 0 rg BT 148.02 569.70 Td (available ) Tj ET Q q 0 0 0 rg BT 187.48 569.70 Td (via ) Tj ET Q q 0 0 0 rg BT 203.08 569.70 Td (webcast ) Tj ET Q q 0 0 0 rg BT 238.66 569.70 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 252.04 569.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 273.05 569.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 299.26 569.70 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 355.62 569.70 Td ( ) Tj ET Q q 0 0 0 rg BT 359.00 569.70 Td (under ) Tj ET Q q 0 0 0 rg BT 385.14 569.70 Td (Investor ) Tj ET Q q 0 0 0 rg BT 421.29 569.70 Td (Relations, ) Tj ET Q q 0 0 0 rg BT 464.94 569.70 Td (Events ) Tj ET Q q 0 0 0 rg BT 495.53 569.70 Td (& ) Tj ET Q q 0 0 0 rg BT 506.69 569.70 Td (Presentations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 557.70 Td (Additional ) Tj ET Q q 0 0 0 rg BT 93.83 557.70 Td (detailed ) Tj ET Q q 0 0 0 rg BT 127.03 557.70 Td (financial, ) Tj ET Q q 0 0 0 rg BT 166.06 557.70 Td (statistical ) Tj ET Q q 0 0 0 rg BT 205.38 557.70 Td (and ) Tj ET Q q 0 0 0 rg BT 221.38 557.70 Td (business-related ) Tj ET Q q 0 0 0 rg BT 287.35 557.70 Td (information ) Tj ET Q q 0 0 0 rg BT 336.12 557.70 Td (is ) Tj ET Q q 0 0 0 rg BT 344.34 557.70 Td (included ) Tj ET Q q 0 0 0 rg BT 380.33 557.70 Td (in ) Tj ET Q q 0 0 0 rg BT 389.66 557.70 Td (a ) Tj ET Q q 0 0 0 rg BT 395.65 557.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.18 557.70 Td (supplement. ) Tj ET Q q 0 0 0 rg BT 482.22 557.70 Td (The ) Tj ET Q q 0 0 0 rg BT 499.32 557.70 Td (earnings ) Tj ET Q q 0 0 0 rg BT 534.75 557.70 Td (release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 545.70 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 545.70 Td (the ) Tj ET Q q 0 0 0 rg BT 81.16 545.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 118.64 545.70 Td (supplement ) Tj ET Q q 0 0 0 rg BT 167.24 545.70 Td (are ) Tj ET Q q 0 0 0 rg BT 181.95 545.70 Td (available ) Tj ET Q q 0 0 0 rg BT 220.54 545.70 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 230.25 545.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 251.27 545.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 277.47 545.70 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 333.84 545.70 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 66.52 473.70 Td (be ) Tj ET Q q 0 0 0 rg BT 78.55 473.70 Td (found ) Tj ET Q q 0 0 0 rg BT 103.91 473.70 Td (in ) Tj ET Q q 0 0 0 rg BT 114.28 473.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 141.67 473.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 159.26 473.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 186.84 473.70 Td (& ) Tj ET Q q 0 0 0 rg BT 197.21 473.70 Td (Co.? Tj ET Q q 0 0 0 rg BT 213.42 473.70 Td (s ) Tj ET Q q 0 0 0 rg BT 219.71 473.70 Td (Annual ) Tj ET Q q 0 0 0 rg BT 251.18 473.70 Td (Report ) Tj ET Q q 0 0 0 rg BT 280.98 473.70 Td (on ) Tj ET Q q 0 0 0 rg BT 293.57 473.70 Td (Form ) Tj ET Q q 0 0 0 rg BT 318.38 473.70 Td (10-K ) Tj ET Q q 0 0 0 rg BT 340.96 473.70 Td (for ) Tj ET Q q 0 0 0 rg BT 355.22 473.70 Td (the ) Tj ET Q q 0 0 0 rg BT 370.02 473.70 Td (year ) Tj ET Q q 0 0 0 rg BT 390.37 473.70 Td (ended ) Tj ET Q q 0 0 0 rg BT 416.83 473.70 Td (December ) Tj ET Q q 0 0 0 rg BT 460.51 473.70 Td (31, ) Tj ET Q q 0 0 0 rg BT 475.59 473.70 Td (2019, ) Tj ET Q q 0 0 0 rg BT 500.68 473.70 Td (which ) Tj ET Q q 0 0 0 rg BT 527.15 473.70 Td (has ) Tj ET Q q 0 0 0 rg BT 543.63 473.70 Td (been ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 461.70 Td (filed ) Tj ET Q q 0 0 0 rg BT 73.31 461.70 Td (with ) Tj ET Q q 0 0 0 rg BT 96.58 461.70 Td (the ) Tj ET Q q 0 0 0 rg BT 114.84 461.70 Td (Securities ) Tj ET Q q 0 0 0 rg BT 160.31 461.70 Td (and ) Tj ET Q q 0 0 0 rg BT 181.36 461.70 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 226.82 461.70 Td (Commission ) Tj ET Q q 0 0 0 rg BT 282.31 461.70 Td (and ) Tj ET Q q 0 0 0 rg BT 303.36 461.70 Td (is ) Tj ET Q q 0 0 0 rg BT 316.07 461.70 Td (available ) Tj ET Q q 0 0 0 rg BT 359.32 461.70 Td (on ) Tj ET Q q 0 0 0 rg BT 375.36 461.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 402.76 461.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 423.80 461.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 454.84 461.70 Td (& ) Tj ET Q q 0 0 0 rg BT 468.66 461.70 Td (Co.? Tj ET Q q 0 0 0 rg BT 484.87 461.70 Td (s ) Tj ET Q q 0 0 0 rg BT 494.80 461.70 Td (website ) Tj ET Q q 0 0 0 rg BT 530.84 461.70 Td (\() Tj ET Q BT /F5 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.43137254901960786 0.7490196078431373 rg BT 534.17 461.70 Td (https://) Tj ET Q BT /F5 10.00 Tf ET q 0 0.43137254901960786 0.7490196078431373 rg BT 49.50 449.70 Td (jpmor) Tj ET Q q 0 0.43137254901960786 0.7490196078431373 rg BT 73.02 449.70 Td (ganchaseco.gcs-web.com/financial-information/sec-filings) Tj ET Q BT /F5 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 307.42 449.70 Td (\), ) Tj ET Q q 0 0 0 rg BT 317.35 449.70 Td (and ) Tj ET Q q 0 0 0 rg BT 336.45 449.70 Td (on ) Tj ET Q q 0 0 0 rg BT 350.55 449.70 Td (the ) Tj ET Q q 0 0 0 rg BT 366.87 449.70 Td (Securities ) Tj ET Q q 0 0 0 rg BT 410.40 449.70 Td (and ) Tj ET Q q 0 0 0 rg BT 429.50 449.70 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 473.02 449.70 Td (Commission? Tj ET Q q 0 0 0 rg BT 524.51 449.70 Td (s ) Tj ET Q q 0 0 0 rg BT 532.50 449.70 Td (website ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 437.70 Td (\() Tj ET Q BT /F5 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0.43137254901960786 0.7490196078431373 rg BT 52.83 437.70 Td (www) Tj ET Q q 0 0.43137254901960786 0.7490196078431373 rg BT 72.10 437.70 Td (.sec.gov) Tj ET Q BT /F5 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.30 437.70 Td (\). ) Tj ET Q q 0 0 0 rg BT 112.63 437.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 140.03 437.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 157.53 437.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 185.03 437.70 Td (& ) Tj ET Q q 0 0 0 rg BT 195.31 437.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 211.98 437.70 Td (does ) Tj ET Q q 0 0 0 rg BT 232.81 437.70 Td (not ) Tj ET Q q 0 0 0 rg BT 248.09 437.70 Td (undertake ) Tj ET Q q 0 0 0 rg BT 290.57 437.70 Td (to ) Tj ET Q q 0 0 0 rg BT 300.85 437.70 Td (update ) Tj ET Q q 0 0 0 rg BT 330.57 437.70 Td (any ) Tj ET Q q 0 0 0 rg BT 347.51 437.70 Td (forwar) Tj ET Q q 0 0 0 rg BT 374.37 437.70 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 415.19 437.70 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