%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 71.5 m 371.5 71.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 71.5 m 601.5 71.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 12.00 62.76 Td (Investor Contact: Jason Scott \(212\) 270-2479) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 175.73 62.76 Td ( ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 55.32 Td (1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 52.15 Td (Percentage comparisons noted in the bullet points are for the first quarter of 2019 versus the prior) Tj ET Q q 0 0 0 rg BT 287.06 52.15 Td (-year first quarter) Tj ET Q q 0 0 0 rg BT 335.75 52.15 Td (, unless ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 12.00 45.15 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 38.32 Td (2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 35.15 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 82.65 35.15 Td ( financial measures, including managed basis reporting, and key performance measures, see page 6.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 12.00 25.15 Td (For additional notes see page 7.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 62.76 Td (Media Contact: Joseph Evangelisti \(212\) 270-7438) Tj ET Q BT /F1 10.00 Tf ET BT /F2 11.00 Tf ET q 0 0 0 rg BT 154.15 721.60 Td ( JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 301.96 721.60 Td (TS RECORD NET) Tj ET Q q 0 0 0 rg BT 391.00 721.60 Td ( INCOME OF) Tj ET Q BT /F2 11.00 Tf ET q 0 0 0 rg BT 119.40 708.40 Td ($9.2 BILLION, OR $2.65 PER SHARE, FOR ) Tj ET Q q 0 0 0 rg BT 334.64 708.40 Td (THE FIRST) Tj ET Q q 0 0 0 rg BT 392.82 708.40 Td ( QUAR) Tj ET Q q 0 0 0 rg BT 427.57 708.40 Td (TER OF) Tj ET Q q 0 0 0 rg BT 467.81 708.40 Td ( 2019 ) 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 18.5 694.9 m 18.5 690.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 594.5 694.9 m 594.5 690.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 18.5 694.9 m 594.5 694.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 18.5 690.9 m 594.5 690.9 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 18.00 679.40 Td (FIRST) Tj ET Q q 0 0 0 rg BT 47.27 679.40 Td ( QUAR) Tj ET Q q 0 0 0 rg BT 78.86 679.40 Td (TER 2019 RESUL) Tj ET Q q 0 0 0 rg BT 156.85 679.40 Td (TS) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 169.08 683.93 Td (1) Tj ET Q 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 85.50 668.90 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 240.50 668.90 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 395.50 668.90 130.00 -33.00 re f /GS0 gs BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 127.75 656.32 Td (ROE 16%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 119.75 643.32 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 154.75 648.09 Td (2 ) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 160.17 643.32 Td (19%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 250.75 654.82 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 335.01 654.82 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 355.58 659.59 Td (3) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 290.80 644.82 Td (12.1%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 418.35 654.82 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 478.16 654.82 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 492.60 659.59 Td (4,5) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 449.95 644.82 Td (93%) 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 527.00 636.40 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 19.50 623.90 71.00 -44.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 19.50 572.90 71.00 -61.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 19.50 504.90 71.00 -74.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 gs 19.50 423.90 71.00 -44.00 re f /GS0 gs 0.5176470588235295 0.29411764705882354 0.1568627450980392 rg /GS0 gs 19.50 372.90 71.00 -44.00 re f /GS0 gs BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 32.55 604.32 Td (Firmwide) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 36.95 594.32 Td (Metrics) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 611.64 cm /I1 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 615.16 Td (Record reported revenue of $29.1 billion; managed ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 606.16 Td (revenue of $29.9 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 190.48 610.24 Td (2) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 586.04 cm /I2 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 593.16 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 593.16 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.80 597.24 Td (2,6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.11 593.16 Td ( ex-CIB,) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 211.10 597.24 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.57 593.16 Td (up 5% ) Tj ET Q q 0 0 0 rg BT 237.73 593.16 Td (Y) Tj ET Q q 0 0 0 rg BT 243.33 593.16 Td (oY) Tj ET Q q 0 0 0 rg BT 253.99 593.16 Td ( and flat ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 584.16 Td (QoQ) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 43.65 550.92 Td (CCB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 36.70 528.38 Td (ROE 30% ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 558.54 cm /I3 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 561.26 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 561.26 Td (verage core loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.80 565.34 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.18 561.26 Td (up 4%; average deposits up 3%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 539.04 cm /I4 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 541.76 Td (Client investment assets of $312 billion, up 13%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 521.64 cm /I5 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 525.16 Td (Credit card sales volume) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 193.22 529.24 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.15 525.16 Td ( up 10%; merchant ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 516.16 Td (processing volume up 13%) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 45.85 474.42 Td (CIB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 36.70 455.88 Td (ROE 16% ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 492.64 cm /I6 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 496.16 Td (Maintained #1 ranking for Global Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 487.16 Td (Banking fees with 9.6% wallet share in 1Q19) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 470.64 cm /I7 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 473.66 Td (Debt underwriting revenue of $935 million, up 21%;) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 462.86 Td (Advisory revenue of $644 million, up 12%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 445.64 cm /I8 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 447.66 Td (T) Tj ET Q q 0 0 0 rg BT 108.87 447.66 Td (otal Markets revenue of $5.5 billion, down 17%, or ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 436.86 Td (down 10% adjusted) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 174.99 440.94 Td (8) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 47.25 408.42 Td (CB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 36.70 389.88 Td (ROE 19% ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 411.64 cm /I9 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 415.16 Td (Record gross Investment Banking revenue of $818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 404.36 Td (million, up 44%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 389.64 cm /I10 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 393.16 Td (Strong credit performance with net char) Tj ET Q q 0 0 0 rg BT 247.61 393.16 Td (ge-of) Tj ET Q q 0 0 0 rg BT 266.44 393.16 Td (fs of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 382.36 Td (2 bps) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 42.25 357.42 Td (A) Tj ET Q q 1 1 1 rg BT 48.92 357.42 Td (WM) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 36.70 338.88 Td (ROE 25% ) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 357.04 cm /I11 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 359.76 Td (A) Tj ET Q q 0 0 0 rg BT 110.17 359.76 Td (verage loan balances up 10%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 338.64 cm /I12 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 342.16 Td (Assets under management \(AUM\) of $2.1 trillion,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 331.36 Td (up 4%) Tj ET Q BT /F1 10.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 305.50 623.90 288.00 -314.00 re f /GS0 gs 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 623.9 m 305.5 309.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 593.5 623.9 m 593.5 309.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 623.9 m 593.5 623.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 309.9 m 593.5 309.9 l s BT /F1 8.50 Tf ET q 0 0 0 rg BT 308.00 600.91 Td (Jamie Dimon, Chairman and CEO, commented on the financial results: ? Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 556.33 600.91 Td (In the ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 592.40 Td (first quarter of 2019, we had r) Tj ET Q q 0 0 0 rg BT 410.87 592.40 Td (ecor) Tj ET Q q 0 0 0 rg BT 425.66 592.40 Td (d r) Tj ET Q q 0 0 0 rg BT 435.03 592.40 Td (evenue and net income, str) Tj ET Q q 0 0 0 rg BT 525.59 592.40 Td (ong performance ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 583.90 Td (acr) Tj ET Q q 0 0 0 rg BT 319.02 583.90 Td (oss each of our major businesses and a mor) Tj ET Q q 0 0 0 rg BT 467.93 583.90 Td (e constructive envir) Tj ET Q q 0 0 0 rg BT 534.64 583.90 Td (onment. Even ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 575.40 Td (amid some global geopolitical uncertainty) Tj ET Q q 0 0 0 rg BT 451.54 575.40 Td (, the U.S. economy continues to gr) Tj ET Q q 0 0 0 rg BT 568.08 575.40 Td (ow) Tj ET Q q 0 0 0 rg BT 577.37 575.40 Td (, ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 566.90 Td (employment and wages ar) Tj ET Q q 0 0 0 rg BT 396.69 566.90 Td (e going up, inflation is moderate, financial markets ar) Tj ET Q q 0 0 0 rg BT 580.53 566.90 Td (e ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 558.40 Td (healthy and consumer and business confidence r) Tj ET Q q 0 0 0 rg BT 472.94 558.40 Td (emains str) Tj ET Q q 0 0 0 rg BT 507.81 558.40 Td (ong.?) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 308.00 541.41 Td (Dimon added: ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 358.52 541.41 Td (In Consumer & Community Banking, client investment assets ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 532.90 Td (topped $300 billion, with r) Tj ET Q q 0 0 0 rg BT 398.59 532.90 Td (ecor) Tj ET Q q 0 0 0 rg BT 413.38 532.90 Td (d new money driven by our physical and digital ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 524.40 Td (channels. Consumer spending r) Tj ET Q q 0 0 0 rg BT 415.35 524.40 Td (emains r) Tj ET Q q 0 0 0 rg BT 444.55 524.40 Td (obust with cr) Tj ET Q q 0 0 0 rg BT 488.63 524.40 Td (edit car) Tj ET Q q 0 0 0 rg BT 514.51 524.40 Td (d sales and mer) Tj ET Q q 0 0 0 rg BT 567.79 524.40 Td (chant ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 515.90 Td (pr) Tj ET Q q 0 0 0 rg BT 315.24 515.90 Td (ocessing volume up double digits. W) Tj ET Q q 0 0 0 rg BT 438.64 515.90 Td (e continued to execute on our expansion ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 507.40 Td (plans, announcing 90 branches this year in new markets, and cr) Tj ET Q q 0 0 0 rg BT 525.83 507.40 Td (eating tr) Tj ET Q q 0 0 0 rg BT 554.56 507.40 Td (emendous ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 498.90 Td (opportunities for each of our businesses to better serve our clients. Investment ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 490.40 Td (Banking r) Tj ET Q q 0 0 0 rg BT 341.44 490.40 Td (esults wer) Tj ET Q q 0 0 0 rg BT 375.37 490.40 Td (e str) Tj ET Q q 0 0 0 rg BT 389.93 490.40 Td (ong ?particularly in debt underwriting and advisory ?as ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 481.90 Td (the Firm maintained its #1 rank in Global IB fees and Commer) Tj ET Q q 0 0 0 rg BT 522.30 481.90 Td (cial Banking ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 473.40 Td (generated r) Tj ET Q q 0 0 0 rg BT 347.11 473.40 Td (ecor) Tj ET Q q 0 0 0 rg BT 361.90 473.40 Td (d gr) Tj ET Q q 0 0 0 rg BT 375.51 473.40 Td (oss IB r) Tj ET Q q 0 0 0 rg BT 401.64 473.40 Td (evenue. ) Tj ET Q q 0 0 0 rg BT 429.33 473.40 Td (As the envir) Tj ET Q q 0 0 0 rg BT 469.62 473.40 Td (onment stabilized, the Markets ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 464.90 Td (business performed solidly) Tj ET Q q 0 0 0 rg BT 398.67 464.90 Td (, although down fr) Tj ET Q q 0 0 0 rg BT 461.17 464.90 Td (om a particularly str) Tj ET Q q 0 0 0 rg BT 531.45 464.90 Td (ong prior) Tj ET Q q 0 0 0 rg BT 563.63 464.90 Td (-year ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 456.40 Td (quarter) Tj ET Q q 0 0 0 rg BT 332.56 456.40 Td (. ) Tj ET Q q 0 0 0 rg BT 336.66 456.40 Td (And ) Tj ET Q q 0 0 0 rg BT 352.32 456.40 Td (Asset & W) Tj ET Q q 0 0 0 rg BT 387.42 456.40 Td (ealth Management gr) Tj ET Q q 0 0 0 rg BT 460.29 456.40 Td (ew ) Tj ET Q q 0 0 0 rg BT 471.71 456.40 Td (AUM 4% with continued net long- ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 447.90 Td (term inflows.? Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 308.00 430.91 Td (Dimon concluded: ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 373.15 430.91 Td (JPMor) Tj ET Q q 0 0 0 rg BT 401.17 430.91 Td (gan Chase will continue to use its capital, people and ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 422.40 Td (expertise to drive gr) Tj ET Q q 0 0 0 rg BT 376.38 422.40 Td (eat outcomes for our communities. This quarter alone, we ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 413.90 Td (announced two important pr) Tj ET Q q 0 0 0 rg BT 404.73 413.90 Td (ograms that we believe will make a differ) Tj ET Q q 0 0 0 rg BT 544.88 413.90 Td (ence in the ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 405.40 Td (long run ?first, a $350 million New Skills at W) Tj ET Q q 0 0 0 rg BT 468.02 405.40 Td (ork commitment focused on ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 396.90 Td (pr) Tj ET Q q 0 0 0 rg BT 315.24 396.90 Td (eparing people to succeed in our transformed workplaces and in the changing ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 388.40 Td (global economy) Tj ET Q q 0 0 0 rg BT 361.59 388.40 Td (. ) Tj ET Q q 0 0 0 rg BT 365.68 388.40 Td (And second, ) Tj ET Q q 0 0 0 rg BT 409.20 388.40 Td (Advancing Black Pathways, which expands existing ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 379.90 Td (Firm commitments to help cr) Tj ET Q q 0 0 0 rg BT 406.37 379.90 Td (eate economic opportunity for mor) Tj ET Q q 0 0 0 rg BT 524.56 379.90 Td (e black families, ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 371.40 Td (students, businesses, employees and communities, with the ultimate goal of ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 362.90 Td (bridging the racial wealth divide and making the Firm and the country better) Tj ET Q q 0 0 0 rg BT 570.05 362.90 Td (. ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 354.40 Td (Businesses, governments and communities need to work as partners and solve ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 345.90 Td (pr) Tj ET Q q 0 0 0 rg BT 315.24 345.90 Td (oblems that help str) Tj ET Q q 0 0 0 rg BT 382.22 345.90 Td (engthen the economy for everyone? Tj ET Q q 0 0 0 rg BT 500.55 345.90 Td (s benefit. W) Tj ET Q q 0 0 0 rg BT 539.66 345.90 Td (e ar) Tj ET Q q 0 0 0 rg BT 552.80 345.90 Td (e ) Tj ET Q BT /F5 8.50 Tf ET q 0 0 0 rg BT 308.00 337.40 Td (dedicated to doing our part.?) 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 17.5 309.9 m 17.5 305.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 309.9 m 593.5 305.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 309.9 m 593.5 309.9 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 305.9 m 593.5 305.9 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 287.95 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 287.95 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 270.30 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 272.15 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 272.15 Td (Book value per share of $71.78, up 6%; tangible book value per share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 281.43 276.23 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.82 272.15 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 261.35 Td ($57.62, up 7%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 243.70 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 245.55 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 245.55 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 245.55 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 245.55 Td (ier 1 capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 169.47 249.63 Td (3 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.86 245.55 Td (of $186 billion and ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 261.35 249.63 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.27 245.55 Td ( of 12.1% ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 227.90 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 229.75 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 229.75 Td (Firm supplementary leverage ratio of 6.4%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 211.35 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 211.35 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 193.70 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 195.55 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 195.55 Td (1Q19 reported expense of $16.4 billion; reported overhead ratio of 56%; ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 184.75 Td (managed overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 116.46 188.83 Td (2 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 120.85 184.75 Td (of 55%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 167.95 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 45.33 167.95 Td (AL) Tj ET Q q 0 0 0 rg BT 57.34 167.95 Td ( DISTRIBUTED) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 150.30 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 152.15 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 152.15 Td ($7.4 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 71.50 156.23 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.43 152.15 Td ( distributed to shareholders in 1Q19) Tj ET Q /GS0 gs q 9.00 0 0 9.78 18.00 134.50 cm /I18 Do Q /GS0 gs q 6.72 0 0 9.78 27.00 134.50 cm /I19 Do Q /GS0 gs q 9.00 0 0 9.78 33.72 134.50 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.72 136.35 Td ($4.7 billion of net repurchases and common dividend of $0.80 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 287.95 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 287.95 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 270.30 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 272.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 272.15 Td ($529 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.76 272.15 Td ( of credit and capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 436.73 276.23 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.65 272.15 Td ( raised in 1Q19) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 254.50 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 256.35 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 256.35 Td ($55 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 256.35 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 237.70 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 239.55 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 239.55 Td ($7 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.26 239.55 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 220.90 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 222.75 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 222.75 Td ($196 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 222.75 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 204.10 cm /I25 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 205.95 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 205.95 Td ($256 billion ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.51 205.95 Td (of capital raised for corporate clients and non-U.S. ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 195.15 Td (government entities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 176.50 cm /I26 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 178.35 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 178.35 Td ($15 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 178.35 Td ( of credit and capital raised for nonprofit and U.S. government ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 167.55 Td (entities, including states, municipalities, hospitals and universities) Tj ET Q /GS0 gs q 272.00 0 0 20.00 322.00 756.52 cm /I27 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.33 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.05 742.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 122.22 742.10 Td (below ) Tj ET Q q 0 0 0 rg BT 149.60 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.88 742.10 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 203.27 742.10 Td (r) Tj ET Q q 0 0 0 rg BT 206.79 742.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 233.07 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.35 742.10 Td (JPMor) Tj ET Q q 0 0 0 rg BT 271.74 742.10 Td (gan ) Tj ET Q q 0 0 0 rg BT 290.24 742.10 Td (Chase ) Tj ET Q q 0 0 0 rg BT 318.74 742.10 Td (& ) Tj ET Q q 0 0 0 rg BT 330.02 742.10 Td (Co. ) Tj ET Q q 0 0 0 rg BT 347.69 742.10 Td (\(JPMor) Tj ET Q q 0 0 0 rg BT 383.98 742.10 Td (gan ) Tj ET Q q 0 0 0 rg BT 402.48 742.10 Td (Chase?) Tj ET Q q 0 0 0 rg BT 436.54 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 448.93 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.65 742.10 Td (Firm\), ) Tj ET Q q 0 0 0 rg BT 505.10 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 555.83 742.10 Td (is ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (pr) Tj ET Q q 0 0 0 rg BT 58.02 730.10 Td (esented ) Tj ET Q q 0 0 0 rg BT 90.59 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 103.17 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 110.75 730.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 149.99 730.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 175.64 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 202.11 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 211.36 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 218.94 730.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 262.64 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 265.22 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 303.35 730.10 Td (measur) Tj ET Q q 0 0 0 rg BT 332.42 730.10 Td (e, ) Tj ET Q q 0 0 0 rg BT 341.95 730.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 369.53 730.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 411.00 730.10 Td (specified. ) Tj ET Q q 0 0 0 rg BT 451.62 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 469.20 730.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 513.45 730.10 Td (below ) Tj ET Q q 0 0 0 rg BT 539.92 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 550.28 730.10 Td (the ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (Firm? Tj ET Q q 0 0 0 rg BT 71.54 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 78.75 718.10 Td (business ) Tj ET Q q 0 0 0 rg BT 115.95 718.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 155.93 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 165.91 718.10 Td (also ) Tj ET Q q 0 0 0 rg BT 185.90 718.10 Td (pr) Tj ET Q q 0 0 0 rg BT 194.42 718.10 Td (esented ) Tj ET Q q 0 0 0 rg BT 227.72 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 241.03 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 249.35 718.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 289.32 718.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 315.70 718.10 Td (For ) Tj ET Q q 0 0 0 rg BT 334.01 718.10 Td (mor) Tj ET Q q 0 0 0 rg BT 349.75 718.10 Td (e ) Tj ET Q q 0 0 0 rg BT 357.51 718.10 Td (information ) Tj ET Q q 0 0 0 rg BT 408.05 718.10 Td (about ) Tj ET Q q 0 0 0 rg BT 434.14 718.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 474.11 718.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 500.49 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.80 718.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 562.50 718.10 Td ( ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.97 706.10 Td (measur) Tj ET Q q 0 0 0 rg BT 116.04 706.10 Td (es ) Tj ET Q q 0 0 0 rg BT 126.29 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.21 706.10 Td (key ) Tj ET Q q 0 0 0 rg BT 158.44 706.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 211.46 706.10 Td (measur) Tj ET Q q 0 0 0 rg BT 240.53 706.10 Td (es ) Tj ET Q q 0 0 0 rg BT 250.78 706.10 Td (used ) Tj ET Q q 0 0 0 rg BT 271.03 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 282.38 706.10 Td (management ) Tj ET Q q 0 0 0 rg BT 335.40 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.10 706.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 380.89 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.02 706.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 448.04 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.73 706.10 Td (each ) Tj ET Q q 0 0 0 rg BT 478.53 706.10 Td (line ) Tj ET Q q 0 0 0 rg BT 495.44 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.14 706.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 543.45 706.10 Td (r) Tj ET Q q 0 0 0 rg BT 546.97 706.10 Td (efer ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.78 694.10 Td (page ) Tj ET Q q 0 0 0 rg BT 81.72 694.10 Td (6.) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 676.10 Td (Comparisons ) Tj ET Q q 0 0 0 rg BT 106.00 676.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 131.38 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 142.31 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.68 676.10 Td (sections ) Tj ET Q q 0 0 0 rg BT 193.06 676.10 Td (below ) Tj ET Q q 0 0 0 rg BT 220.10 676.10 Td (ar) Tj ET Q q 0 0 0 rg BT 228.62 676.10 Td (e ) Tj ET Q q 0 0 0 rg BT 236.22 676.10 Td (for ) Tj ET Q q 0 0 0 rg BT 251.04 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.42 676.10 Td (first ) Tj ET Q q 0 0 0 rg BT 285.69 676.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 318.85 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.78 676.10 Td (2019 ) Tj ET Q q 0 0 0 rg BT 352.94 676.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 381.65 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.02 676.10 Td (prior) Tj ET Q q 0 0 0 rg BT 417.38 676.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 441.64 676.10 Td (first ) Tj ET Q q 0 0 0 rg BT 460.91 676.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 489.81 676.10 Td (, ) Tj ET Q q 0 0 0 rg BT 495.46 676.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 523.62 676.10 Td (otherwise ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 664.10 Td (specified.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 653.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 645.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 638.50 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.58 622.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.87 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 113.51 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 120.59 622.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 156.55 622.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 179.19 622.10 Td (was ) Tj ET Q q 0 0 0 rg BT 197.38 622.10 Td ($29.1 ) Tj ET Q q 0 0 0 rg BT 222.52 622.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 253.78 622.10 Td ($26.1 ) Tj ET Q q 0 0 0 rg BT 278.92 622.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 310.17 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.25 622.10 Td ($27.9 ) Tj ET Q q 0 0 0 rg BT 352.40 622.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 381.15 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 395.45 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.31 622.10 Td (first ) Tj ET Q q 0 0 0 rg BT 429.06 622.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 460.02 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.99 622.10 Td (2019, ) Tj ET Q q 0 0 0 rg BT 496.13 622.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 523.21 622.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 554.17 622.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 74.50 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 91.44 610.10 Td (first ) Tj ET Q q 0 0 0 rg BT 110.05 610.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 140.86 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.69 610.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 176.69 610.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 224.35 610.10 Td (.) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 599.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 599.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 599.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 599.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 599.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 599.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 599.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 599.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 599.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 599.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 583.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 583.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 583.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 583.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 583.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 583.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 583.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 583.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 583.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 583.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 583.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 583.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 519.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 519.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 519.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 519.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 519.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 519.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 519.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 519.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 519.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 519.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 519.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 519.60 45.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 583.6 m 423 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 583.6 m 468 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 583.6 m 472 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 583.6 m 517 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 583.6 m 562 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 567.6 m 213 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 583.6 m 264 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 567.6 m 264 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 583.6 m 268 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 567.6 m 268 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 583.6 m 319 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 567.6 m 319 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 583.6 m 323 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 567.6 m 323 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 583.6 m 374 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 567.6 m 374 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 583.6 m 378 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 567.6 m 378 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 583.6 m 423 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 567.6 m 423 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 567.6 m 468 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 567.6 m 472 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 567.6 m 517 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 567.6 m 562 567.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 519.6 m 264 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 519.6 m 319 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 519.6 m 374 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 519.6 m 468 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 519.6 m 562 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 519.6 m 213 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 503.6 m 213 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 519.6 m 264 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 503.6 m 264 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 519.6 m 268 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 503.6 m 268 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 519.6 m 319 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 503.6 m 319 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 519.6 m 323 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 503.6 m 323 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 519.6 m 374 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 503.6 m 374 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 519.6 m 378 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 503.6 m 378 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 519.6 m 423 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 503.6 m 423 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 519.6 m 468 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 503.6 m 468 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 519.6 m 472 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 503.6 m 472 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 519.6 m 517 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 503.6 m 517 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 519.6 m 562 519.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 503.6 m 562 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 487.6 m 213 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 503.6 m 264 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 487.6 m 264 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 487.6 m 268 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 503.6 m 319 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 487.6 m 319 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 503.6 m 323 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 487.6 m 323 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 503.6 m 374 503.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 487.6 m 374 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 487.6 m 378 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 487.6 m 423 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 503.6 m 468 503.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 487.6 m 468 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 487.6 m 472 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 487.6 m 517 487.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 503.6 m 562 503.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 487.6 m 562 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 471.6 m 213 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 487.6 m 264 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 471.6 m 264 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 487.6 m 268 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 471.6 m 268 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 487.6 m 319 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 471.6 m 319 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 487.6 m 323 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 471.6 m 323 471.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 487.6 m 374 487.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 471.6 m 374 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 471.6 m 378 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 471.6 m 423 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 471.6 m 468 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 471.6 m 472 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 471.6 m 517 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 471.6 m 562 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 455.6 m 213 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 471.6 m 264 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 455.6 m 264 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 455.6 m 268 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 471.6 m 319 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 455.6 m 319 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 455.6 m 323 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 471.6 m 374 471.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 455.6 m 374 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 455.6 m 378 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 455.6 m 423 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 455.6 m 468 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 455.6 m 472 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 455.6 m 517 455.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 455.6 m 562 455.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 588.27 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 588.27 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 572.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 572.27 Td (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 572.27 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 572.27 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 572.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 572.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 572.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 572.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 558.17 Td (Net revenue - managed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 556.27 Td (29,851) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 556.27 Td (26,804) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 556.27 Td (28,520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 556.27 Td (3,047) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 556.27 Td (1) Tj ET Q q 0 0 0 rg BT 454.15 556.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 556.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 556.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 556.27 Td (1,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 556.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 556.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 542.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 540.27 Td (16,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 540.27 Td (15,720) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 540.27 Td (16,080) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 540.27 Td (675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 540.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 540.27 Td (315) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 540.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 526.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 524.27 Td (1,495) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 524.27 Td (1,548) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 524.27 Td (1,165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 524.32 Td (\(53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 524.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 524.32 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 524.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 524.27 Td (330) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 524.27 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 510.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 508.27 Td (9,179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 508.27 Td (7,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 508.27 Td (8,712) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 508.27 Td (2,1) Tj ET Q q 0 0 0 rg BT 409.15 508.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 508.27 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 508.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 508.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 508.27 Td (467) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 508.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 508.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 494.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 492.27 Td (2.65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 492.27 Td (1.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 492.27 Td (2.37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 492.27 Td (0.67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 492.27 Td (34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 492.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 492.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 492.27 Td (0.28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 492.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 492.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 478.17 Td (Return on common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 476.27 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 476.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 476.27 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 476.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 476.27 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 476.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 462.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 460.27 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 460.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 460.27 Td (19) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 438.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 420.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 420.10 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 420.10 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 420.10 Td (a ) Tj ET Q q 0 0 0 rg BT 123.36 420.10 Td (record ) Tj ET Q q 0 0 0 rg BT 151.40 420.10 Td ($9.2 ) Tj ET Q q 0 0 0 rg BT 171.40 420.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 202.51 420.10 Td (up ) Tj ET Q q 0 0 0 rg BT 215.01 420.10 Td (5%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.13 402.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.96 402.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.48 402.10 Td ($29.9 ) Tj ET Q q 0 0 0 rg BT 135.16 402.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 163.46 402.10 Td (was ) Tj ET Q q 0 0 0 rg BT 181.20 402.10 Td (also ) Tj ET Q q 0 0 0 rg BT 199.50 402.10 Td (a ) Tj ET Q q 0 0 0 rg BT 206.13 402.10 Td (record, ) Tj ET Q q 0 0 0 rg BT 236.35 402.10 Td (up ) Tj ET Q q 0 0 0 rg BT 248.54 402.10 Td (5%. ) Tj ET Q q 0 0 0 rg BT 266.56 402.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 283.18 402.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 314.80 402.10 Td (income ) Tj ET Q q 0 0 0 rg BT 346.42 402.10 Td (was ) Tj ET Q q 0 0 0 rg BT 364.16 402.10 Td ($14.6 ) Tj ET Q q 0 0 0 rg BT 388.85 402.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 419.65 402.10 Td (up ) Tj ET Q q 0 0 0 rg BT 431.84 402.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 449.86 402.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 510.36 402.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 538.10 402.10 Td (by ) Tj ET Q q 0 0 0 rg BT 550.29 402.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.66 390.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.95 390.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 119.44 390.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 143.77 390.10 Td (as ) Tj ET Q q 0 0 0 rg BT 155.05 390.10 Td (well ) Tj ET Q q 0 0 0 rg BT 175.22 390.10 Td (as ) Tj ET Q q 0 0 0 rg BT 186.50 390.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 219.99 390.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 243.49 390.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 274.77 390.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.16 390.10 Td (mix. ) Tj ET Q q 0 0 0 rg BT 313.17 390.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 362.77 390.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 397.37 390.10 Td (was ) Tj ET Q q 0 0 0 rg BT 415.87 390.10 Td ($15.3 ) Tj ET Q q 0 0 0 rg BT 441.33 390.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 472.89 390.10 Td (up ) Tj ET Q q 0 0 0 rg BT 485.84 390.10 Td (1%. ) Tj ET Q q 0 0 0 rg BT 504.41 390.10 Td (The ) Tj ET Q q 0 0 0 rg BT 522.91 390.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 545.30 390.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.10 Td (included ) Tj ET Q q 0 0 0 rg BT 85.33 378.10 Td ($505 ) Tj ET Q q 0 0 0 rg BT 106.72 378.10 Td (million ) Tj ET Q q 0 0 0 rg BT 137.01 378.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.74 378.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 162.01 378.10 Td (value ) Tj ET Q q 0 0 0 rg BT 185.06 378.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 207.56 378.10 Td (related ) Tj ET Q q 0 0 0 rg BT 236.16 378.10 Td (to ) Tj ET Q q 0 0 0 rg BT 245.34 378.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.95 378.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 295.34 378.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.06 378.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.68 378.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 365.61 378.10 Td (and ) Tj ET Q q 0 0 0 rg BT 381.45 378.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 436.15 378.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 481.42 378.10 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 521.41 378.10 Td (Excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.10 Td (these ) Tj ET Q q 0 0 0 rg BT 71.80 366.10 Td (gains, ) Tj ET Q q 0 0 0 rg BT 97.16 366.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 143.34 366.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 176.74 366.10 Td (was ) Tj ET Q q 0 0 0 rg BT 194.05 366.10 Td (up ) Tj ET Q q 0 0 0 rg BT 205.80 366.10 Td (5%, ) Tj ET Q q 0 0 0 rg BT 223.38 366.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 250.68 366.10 Td (by ) Tj ET Q q 0 0 0 rg BT 262.43 366.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 289.73 366.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 308.70 366.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 330.44 366.10 Td (income ) Tj ET Q q 0 0 0 rg BT 361.62 366.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.81 366.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 423.45 366.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 457.41 366.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 477.76 366.10 Td (as ) Tj ET Q q 0 0 0 rg BT 487.85 366.10 Td (well ) Tj ET Q q 0 0 0 rg BT 506.82 366.10 Td (as ) Tj ET Q q 0 0 0 rg BT 516.90 366.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.87 366.10 Td (absence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.20 354.10 Td (net ) Tj ET Q q 0 0 0 rg BT 74.78 354.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 101.04 354.10 Td (on ) Tj ET Q q 0 0 0 rg BT 113.40 354.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 159.65 354.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 199.78 354.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.58 354.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 246.15 354.10 Td (legacy ) Tj ET Q q 0 0 0 rg BT 274.61 354.10 Td (private ) Tj ET Q q 0 0 0 rg BT 304.74 354.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 332.10 354.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 382.24 354.10 Td (in ) Tj ET Q q 0 0 0 rg BT 392.38 354.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.97 354.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 428.77 354.10 Td (year) Tj ET Q q 0 0 0 rg BT 445.58 354.10 Td (, ) Tj ET Q q 0 0 0 rg BT 450.44 354.10 Td (with ) Tj ET Q q 0 0 0 rg BT 470.59 354.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 495.72 354.10 Td (Markets ) Tj ET Q q 0 0 0 rg BT 530.85 354.10 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.10 Td (more ) Tj ET Q q 0 0 0 rg BT 72.55 342.10 Td (than ) Tj ET Q q 0 0 0 rg BT 92.26 342.10 Td (of) Tj ET Q q 0 0 0 rg BT 100.41 342.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 117.35 342.10 Td (by ) Tj ET Q q 0 0 0 rg BT 129.85 342.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 155.12 342.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 188.73 342.10 Td (spreads ) Tj ET Q q 0 0 0 rg BT 221.22 342.10 Td (on ) Tj ET Q q 0 0 0 rg BT 233.72 342.10 Td (derivatives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 324.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.34 324.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 132.73 324.10 Td (was ) Tj ET Q q 0 0 0 rg BT 150.46 324.10 Td ($16.4 ) Tj ET Q q 0 0 0 rg BT 175.14 324.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 205.94 324.10 Td (up ) Tj ET Q q 0 0 0 rg BT 218.12 324.10 Td (2%, ) Tj ET Q q 0 0 0 rg BT 236.13 324.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 263.86 324.10 Td (by ) Tj ET Q q 0 0 0 rg BT 276.04 324.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 325.99 324.10 Td (in ) Tj ET Q q 0 0 0 rg BT 335.95 324.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.35 324.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 388.93 324.10 Td (including ) Tj ET Q q 0 0 0 rg BT 428.88 324.10 Td (technology) Tj ET Q q 0 0 0 rg BT 472.67 324.10 Td (, ) Tj ET Q q 0 0 0 rg BT 477.35 324.10 Td (marketing, ) Tj ET Q q 0 0 0 rg BT 522.57 324.10 Td (real ) Tj ET Q q 0 0 0 rg BT 539.74 324.10 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 312.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.64 312.10 Td (front ) Tj ET Q q 0 0 0 rg BT 88.77 312.10 Td (of) Tj ET Q q 0 0 0 rg BT 96.92 312.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 114.60 312.10 Td (hires, ) Tj ET Q q 0 0 0 rg BT 139.24 312.10 Td (as ) Tj ET Q q 0 0 0 rg BT 150.27 312.10 Td (well ) Tj ET Q q 0 0 0 rg BT 170.18 312.10 Td (as ) Tj ET Q q 0 0 0 rg BT 181.21 312.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 209.46 312.10 Td (auto ) Tj ET Q q 0 0 0 rg BT 229.37 312.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 252.05 312.10 Td (depreciation, ) Tj ET Q q 0 0 0 rg BT 306.67 312.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 342.69 312.10 Td (of) Tj ET Q q 0 0 0 rg BT 350.84 312.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 367.97 312.10 Td (by ) Tj ET Q q 0 0 0 rg BT 380.67 312.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.59 312.10 Td (absence ) Tj ET Q q 0 0 0 rg BT 429.93 312.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.96 312.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.87 312.10 Td (prior) Tj ET Q q 0 0 0 rg BT 475.11 312.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 498.35 312.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 523.83 312.10 Td (surchar) Tj ET Q q 0 0 0 rg BT 553.07 312.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 300.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 300.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 91.71 300.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 170.83 300.10 Td (compensation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.71 282.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.16 282.10 Td (for ) Tj ET Q q 0 0 0 rg BT 122.48 282.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.91 282.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 174.47 282.10 Td (was ) Tj ET Q q 0 0 0 rg BT 192.68 282.10 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 212.85 282.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 244.13 282.10 Td (an ) Tj ET Q q 0 0 0 rg BT 256.23 282.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 291.65 282.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.64 282.10 Td ($330 ) Tj ET Q q 0 0 0 rg BT 325.31 282.10 Td (million ) Tj ET Q q 0 0 0 rg BT 356.87 282.10 Td (from ) Tj ET Q q 0 0 0 rg BT 378.97 282.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.85 282.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 415.95 282.10 Td (year) Tj ET Q q 0 0 0 rg BT 432.61 282.10 Td (. ) Tj ET Q q 0 0 0 rg BT 437.58 282.10 Td (The ) Tj ET Q q 0 0 0 rg BT 455.79 282.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 491.21 282.10 Td (was ) Tj ET Q q 0 0 0 rg BT 509.43 282.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 537.64 282.10 Td (by ) Tj ET Q q 0 0 0 rg BT 550.31 282.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.10 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 94.02 270.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 133.84 270.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 174.47 270.10 Td (a ) Tj ET Q q 0 0 0 rg BT 181.22 270.10 Td (net ) Tj ET Q q 0 0 0 rg BT 195.76 270.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 226.95 270.10 Td (build ) Tj ET Q q 0 0 0 rg BT 249.82 270.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.47 270.10 Td ($135 ) Tj ET Q q 0 0 0 rg BT 282.79 270.10 Td (million ) Tj ET Q q 0 0 0 rg BT 314.00 270.10 Td (on ) Tj ET Q q 0 0 0 rg BT 326.32 270.10 Td (select ) Tj ET Q q 0 0 0 rg BT 351.40 270.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 403.15 270.10 Td (& ) Tj ET Q q 0 0 0 rg BT 413.25 270.10 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 453.89 270.10 Td (\(C&I\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 478.33 274.63 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.83 270.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.15 270.10 Td (client ) Tj ET Q q 0 0 0 rg BT 511.68 270.10 Td (downgrades. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.10 Td (This ) Tj ET Q q 0 0 0 rg BT 69.78 258.10 Td (compares ) Tj ET Q q 0 0 0 rg BT 110.59 258.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.87 258.10 Td (a ) Tj ET Q q 0 0 0 rg BT 127.81 258.10 Td (net ) Tj ET Q q 0 0 0 rg BT 142.53 258.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 173.89 258.10 Td (release ) Tj ET Q q 0 0 0 rg BT 204.15 258.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.98 258.10 Td ($170 ) Tj ET Q q 0 0 0 rg BT 237.48 258.10 Td (million ) Tj ET Q q 0 0 0 rg BT 268.87 258.10 Td (in ) Tj ET Q q 0 0 0 rg BT 279.15 258.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.87 258.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 315.80 258.10 Td (year ) Tj ET Q q 0 0 0 rg BT 335.51 258.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 363.56 258.10 Td (by ) Tj ET Q q 0 0 0 rg BT 376.06 258.10 Td (a ) Tj ET Q q 0 0 0 rg BT 383.00 258.10 Td (single ) Tj ET Q q 0 0 0 rg BT 409.38 258.10 Td (name ) Tj ET Q q 0 0 0 rg BT 433.54 258.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.82 258.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.53 258.10 Td (Oil ) Tj ET Q q 0 0 0 rg BT 473.81 258.10 Td (& ) Tj ET Q q 0 0 0 rg BT 484.09 258.10 Td (Gas ) Tj ET Q q 0 0 0 rg BT 502.14 258.10 Td (Portfolio. ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 240.10 Td ( ) Tj ET Q endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 691.17 Td ($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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 676.17 Td (13,751) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.10 676.17 Td (13,695) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.10 676.17 Td (12,597) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 676.17 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.30 676.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.15 676.17 Td (1,154) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 676.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 662.07 Td (Consumer & Business Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 661.17 Td (6,568) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 661.17 Td (6,567) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 661.17 Td (5,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 661.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.30 661.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 661.17 Td (846) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 661.17 Td (15) 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 (1,346) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 646.17 Td (1,322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 646.17 Td (1,509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 646.17 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 646.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 646.22 Td (\(163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.30 646.22 Td (\(1) Tj ET Q q 0 0 0 rg BT 547.63 646.22 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 632.07 Td (Card, Merchant Services & ) Tj ET Q q 0 0 0 rg BT 169.36 632.07 Td (Auto) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 631.17 Td (5,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 631.17 Td (5,806) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 631.17 Td (5,366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 631.17 Td (31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 631.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 631.17 Td (471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 631.17 Td (9) 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 (7,21) Tj ET Q q 0 0 0 rg BT 266.65 616.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 616.17 Td (7,065) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 616.17 Td (6,909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 616.17 Td (146) 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 (302) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 616.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 602.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 601.17 Td (1,314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 601.17 Td (1,348) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 601.17 Td (1,317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 601.22 Td (\(34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 601.17 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.30 601.22 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 601.17 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 587.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 586.17 Td (3,963) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 586.17 Td (4,028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 586.17 Td (3,326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 586.22 Td (\(65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 586.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.95 586.17 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.30 586.17 Td (\)%) 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 497.65 586.17 Td (637) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 586.17 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 586.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 564.00 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 564.00 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 564.00 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 546.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 546.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 546.00 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 136.42 546.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 546.00 Td (an ) Tj ET Q q 0 0 0 rg BT 179.48 546.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.73 546.00 Td (of ) Tj ET Q q 0 0 0 rg BT 225.56 546.00 Td (19%. ) Tj ET Q q 0 0 0 rg BT 248.89 546.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 265.83 546.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 299.97 546.00 Td (was ) Tj ET Q q 0 0 0 rg BT 318.03 546.00 Td ($13.8 ) Tj ET Q q 0 0 0 rg BT 343.03 546.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 374.14 546.00 Td (an ) Tj ET Q q 0 0 0 rg BT 386.08 546.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 421.33 546.00 Td (of ) Tj ET Q q 0 0 0 rg BT 432.16 546.00 Td (9%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 528.00 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.51 528.00 Td (& ) Tj ET Q q 0 0 0 rg BT 104.18 528.00 Td (Business ) Tj ET Q q 0 0 0 rg BT 142.64 528.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 179.42 528.00 Td (net ) Tj ET Q q 0 0 0 rg BT 194.54 528.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 229.08 528.00 Td (was ) Tj ET Q q 0 0 0 rg BT 247.53 528.00 Td ($6.6 ) Tj ET Q q 0 0 0 rg BT 267.92 528.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 299.44 528.00 Td (up ) Tj ET Q q 0 0 0 rg BT 312.33 528.00 Td (15%, ) Tj ET Q q 0 0 0 rg BT 336.06 528.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 397.28 528.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 425.72 528.00 Td (by ) Tj ET Q q 0 0 0 rg BT 438.62 528.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 467.06 528.00 Td (net ) Tj ET Q q 0 0 0 rg BT 482.17 528.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 514.51 528.00 Td (income ) Tj ET Q q 0 0 0 rg BT 546.84 528.00 Td (as ) Tj ET Q q 0 0 0 rg BT 558.06 528.00 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 516.00 Td (result ) Tj ET Q q 0 0 0 rg BT 73.90 516.00 Td (of ) Tj ET Q q 0 0 0 rg BT 84.42 516.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 112.15 516.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 143.22 516.00 Td (mar) Tj ET Q q 0 0 0 rg BT 158.58 516.00 Td (gins ) Tj ET Q q 0 0 0 rg BT 177.44 516.00 Td (and ) Tj ET Q q 0 0 0 rg BT 194.06 516.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 226.78 516.00 Td (growth. ) Tj ET Q q 0 0 0 rg BT 259.79 516.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 286.41 516.00 Td (Lending ) Tj ET Q q 0 0 0 rg BT 321.92 516.00 Td (net ) Tj ET Q q 0 0 0 rg BT 336.32 516.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 370.15 516.00 Td (was ) Tj ET Q q 0 0 0 rg BT 387.89 516.00 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 407.57 516.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 438.37 516.00 Td (down ) Tj ET Q q 0 0 0 rg BT 462.78 516.00 Td (1) Tj ET Q q 0 0 0 rg BT 467.40 516.00 Td (1%, ) Tj ET Q q 0 0 0 rg BT 485.42 516.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 513.15 516.00 Td (by ) Tj ET Q q 0 0 0 rg BT 525.33 516.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 550.29 516.00 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 88.04 504.00 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 124.08 504.00 Td (Card, ) Tj ET Q q 0 0 0 rg BT 147.90 504.00 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 188.10 504.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 223.87 504.00 Td (& ) Tj ET Q q 0 0 0 rg BT 233.12 504.00 Td (Auto ) Tj ET Q q 0 0 0 rg BT 255.00 504.00 Td (net ) Tj ET Q q 0 0 0 rg BT 269.11 504.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 302.64 504.00 Td (was ) Tj ET Q q 0 0 0 rg BT 320.08 504.00 Td ($5.8 ) Tj ET Q q 0 0 0 rg BT 339.47 504.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 369.97 504.00 Td (up ) Tj ET Q q 0 0 0 rg BT 381.85 504.00 Td (9%, ) Tj ET Q q 0 0 0 rg BT 399.57 504.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 427.01 504.00 Td (by ) Tj ET Q q 0 0 0 rg BT 438.89 504.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 466.33 504.00 Td (Card ) Tj ET Q q 0 0 0 rg BT 487.65 504.00 Td (net ) Tj ET Q q 0 0 0 rg BT 501.76 504.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 533.08 504.00 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 492.00 Td (on ) Tj ET Q q 0 0 0 rg BT 62.00 492.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 81.72 492.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 112.55 492.00 Td (and ) Tj ET Q q 0 0 0 rg BT 129.49 492.00 Td (mar) Tj ET Q q 0 0 0 rg BT 144.85 492.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 160.13 492.00 Td (expansion, ) Tj ET Q q 0 0 0 rg BT 205.68 492.00 Td (and ) Tj ET Q q 0 0 0 rg BT 222.62 492.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 250.66 492.00 Td (auto ) Tj ET Q q 0 0 0 rg BT 270.38 492.00 Td (lease ) Tj ET Q q 0 0 0 rg BT 292.86 492.00 Td (volumes. ) 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 98.85 474.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.76 474.00 Td (was ) Tj ET Q q 0 0 0 rg BT 152.01 474.00 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 172.21 474.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 203.52 474.00 Td (up ) Tj ET Q q 0 0 0 rg BT 216.21 474.00 Td (4%, ) Tj ET Q q 0 0 0 rg BT 234.74 474.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 262.99 474.00 Td (by ) Tj ET Q q 0 0 0 rg BT 275.68 474.00 Td (technology) Tj ET Q q 0 0 0 rg BT 319.47 474.00 Td (, ) Tj ET Q q 0 0 0 rg BT 324.67 474.00 Td (marketing ) Tj ET Q q 0 0 0 rg BT 367.91 474.00 Td (and ) Tj ET Q q 0 0 0 rg BT 385.04 474.00 Td (other ) Tj ET Q q 0 0 0 rg BT 408.29 474.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 458.76 474.00 Td (in ) Tj ET Q q 0 0 0 rg BT 469.23 474.00 Td (the ) Tj ET Q q 0 0 0 rg BT 484.15 474.00 Td (business, ) Tj ET Q q 0 0 0 rg BT 523.24 474.00 Td (as ) Tj ET Q q 0 0 0 rg BT 534.27 474.00 Td (well ) Tj ET Q q 0 0 0 rg BT 554.18 474.00 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.55 462.00 Td (auto ) Tj ET Q q 0 0 0 rg BT 97.26 462.00 Td (lease ) Tj ET Q q 0 0 0 rg BT 119.75 462.00 Td (depreciation, ) Tj ET Q q 0 0 0 rg BT 174.17 462.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 209.99 462.00 Td (of) Tj ET Q q 0 0 0 rg BT 218.14 462.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 235.08 462.00 Td (by ) Tj ET Q q 0 0 0 rg BT 247.58 462.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 282.28 462.00 Td (ef) Tj ET Q q 0 0 0 rg BT 289.87 462.00 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 330.68 462.00 Td (and ) Tj ET Q q 0 0 0 rg BT 347.62 462.00 Td (the ) Tj ET Q q 0 0 0 rg BT 362.34 462.00 Td (absence ) Tj ET Q q 0 0 0 rg BT 396.48 462.00 Td (of ) Tj ET Q q 0 0 0 rg BT 407.31 462.00 Td (the ) Tj ET Q q 0 0 0 rg BT 422.03 462.00 Td (prior) Tj ET Q q 0 0 0 rg BT 441.27 462.00 Td (-year ) Tj ET Q q 0 0 0 rg BT 464.30 462.00 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 489.59 462.00 Td (surchar) Tj ET Q q 0 0 0 rg BT 518.84 462.00 Td (ge. ) 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 67.42 444.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 107.56 444.00 Td (for ) Tj ET Q q 0 0 0 rg BT 121.59 444.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 146.73 444.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 172.99 444.00 Td (was ) Tj ET Q q 0 0 0 rg BT 190.91 444.00 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 210.78 444.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 241.76 444.00 Td (flat ) Tj ET Q q 0 0 0 rg BT 257.46 444.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 299.25 444.00 Td (with ) Tj ET Q q 0 0 0 rg BT 319.40 444.00 Td (the ) Tj ET Q q 0 0 0 rg BT 333.99 444.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 355.79 444.00 Td (year) Tj ET Q q 0 0 0 rg BT 372.60 444.00 Td (, ) Tj ET Q q 0 0 0 rg BT 377.47 444.00 Td (as ) Tj ET Q q 0 0 0 rg BT 388.17 444.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 413.31 444.00 Td (net ) Tj ET Q q 0 0 0 rg BT 427.89 444.00 Td (char) Tj ET Q q 0 0 0 rg BT 444.92 444.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 465.84 444.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 475.43 444.00 Td (in ) Tj ET Q q 0 0 0 rg BT 485.58 444.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 512.39 444.00 Td (Lending ) Tj ET Q q 0 0 0 rg BT 548.08 444.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.00 Td (Auto ) Tj ET Q q 0 0 0 rg BT 72.00 432.00 Td (were ) Tj ET Q q 0 0 0 rg BT 93.93 432.00 Td (of) Tj ET Q q 0 0 0 rg BT 102.08 432.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 119.02 432.00 Td (by ) Tj ET Q q 0 0 0 rg BT 131.52 432.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 159.56 432.00 Td (net ) Tj ET Q q 0 0 0 rg BT 174.28 432.00 Td (char) Tj ET Q q 0 0 0 rg BT 191.31 432.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 212.22 432.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 221.95 432.00 Td (in ) Tj ET Q q 0 0 0 rg BT 232.22 432.00 Td (Card, ) Tj ET Q q 0 0 0 rg BT 256.66 432.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 284.71 432.00 Td (by ) Tj ET Q q 0 0 0 rg BT 297.21 432.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 316.93 432.00 Td (growth) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.26 432.00 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 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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 (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 706.17 Td (1Q18) 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 (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 691.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 691.17 Td (1Q18) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 676.17 Td (9,848) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 676.17 Td (7,237) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.60 676.17 Td (10,483) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 676.17 Td (2,61) Tj ET Q q 0 0 0 rg BT 414.15 676.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 676.17 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 676.22 Td (\(635) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 676.17 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 676.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 662.07 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 661.17 Td (3,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 661.17 Td (3,281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 661.17 Td (3,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 661.22 Td (\(49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 661.22 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 661.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 661.17 Td (227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 661.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 647.07 Td (Markets & Investor Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 646.17 Td (6,616) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 646.17 Td (3,956) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 646.17 Td (7,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 646.17 Td (2,660) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 646.17 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 646.22 Td (\(862) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 646.17 Td (\(12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 632.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 631.17 Td (5,453) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 631.17 Td (4,681) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 631.17 Td (5,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 631.17 Td (772) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 631.17 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 631.22 Td (\(206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.45 631.17 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 617.07 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 616.17 Td (87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 616.17 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 616.22 Td (\(158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 616.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 616.17 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 616.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 616.17 Td (245) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 601.17 Td (3,251) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 601.17 Td (1,975) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 601.17 Td (3,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 601.17 Td (1,276) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 601.17 Td (65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 601.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 601.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 601.22 Td (\(723) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 601.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 601.17 Td (\(18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 601.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 579.00 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 561.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 561.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 561.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 561.00 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 136.42 561.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 561.00 Td (a ) Tj ET Q q 0 0 0 rg BT 174.48 561.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 211.39 561.00 Td (of ) Tj ET Q q 0 0 0 rg BT 222.22 561.00 Td (18%. ) Tj ET Q q 0 0 0 rg BT 245.55 561.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 262.49 561.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 296.63 561.00 Td (was ) Tj ET Q q 0 0 0 rg BT 314.69 561.00 Td ($9.8 ) Tj ET Q q 0 0 0 rg BT 334.69 561.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 365.80 561.00 Td (a ) Tj ET Q q 0 0 0 rg BT 372.74 561.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 409.65 561.00 Td (of ) Tj ET Q q 0 0 0 rg BT 420.48 561.00 Td (6%.) 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 86.85 543.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 121.95 543.00 Td (was ) Tj ET Q q 0 0 0 rg BT 140.96 543.00 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 161.92 543.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 193.99 543.00 Td (up ) Tj ET Q q 0 0 0 rg BT 207.45 543.00 Td (8%. ) Tj ET Q q 0 0 0 rg BT 226.74 543.00 Td (Investment ) Tj ET Q q 0 0 0 rg BT 274.64 543.00 Td (Banking ) Tj ET Q q 0 0 0 rg BT 311.98 543.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 347.09 543.00 Td (was ) Tj ET Q q 0 0 0 rg BT 366.10 543.00 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 387.06 543.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 419.13 543.00 Td (up ) Tj ET Q q 0 0 0 rg BT 432.59 543.00 Td (10%, ) Tj ET Q q 0 0 0 rg BT 456.88 543.00 Td (with ) Tj ET Q q 0 0 0 rg BT 478.12 543.00 Td (overall ) Tj ET Q q 0 0 0 rg BT 509.34 543.00 Td (share ) Tj ET Q q 0 0 0 rg BT 533.90 543.00 Td (gains, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 109.86 531.00 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 150.20 531.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 177.78 531.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 197.04 531.00 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 250.73 531.00 Td (and ) Tj ET Q q 0 0 0 rg BT 267.20 531.00 Td (advisory ) Tj ET Q q 0 0 0 rg BT 303.67 531.00 Td (fees, ) Tj ET Q q 0 0 0 rg BT 324.31 531.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 359.66 531.00 Td (of) Tj ET Q q 0 0 0 rg BT 367.81 531.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 384.29 531.00 Td (by ) Tj ET Q q 0 0 0 rg BT 396.32 531.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 421.12 531.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 448.15 531.00 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 501.84 531.00 Td (fees. ) Tj ET Q q 0 0 0 rg BT 522.33 531.00 Td (T) Tj ET Q q 0 0 0 rg BT 528.09 531.00 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 86.46 519.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 121.18 519.00 Td (was ) Tj ET Q q 0 0 0 rg BT 139.81 519.00 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 160.39 519.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 192.09 519.00 Td (up ) Tj ET Q q 0 0 0 rg BT 205.17 519.00 Td (3%, ) Tj ET Q q 0 0 0 rg BT 224.08 519.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 252.71 519.00 Td (by ) Tj ET Q q 0 0 0 rg BT 265.79 519.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 299.40 519.00 Td (and ) Tj ET Q q 0 0 0 rg BT 316.92 519.00 Td (fee ) Tj ET Q q 0 0 0 rg BT 332.20 519.00 Td (growth, ) Tj ET Q q 0 0 0 rg BT 366.11 519.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 402.51 519.00 Td (of) Tj ET Q q 0 0 0 rg BT 410.66 519.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 428.18 519.00 Td (by ) Tj ET Q q 0 0 0 rg BT 441.26 519.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 473.23 519.00 Td (mar) Tj ET Q q 0 0 0 rg BT 488.59 519.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 504.45 519.00 Td (compression. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.00 Td (Lending ) Tj ET Q q 0 0 0 rg BT 85.33 507.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 119.47 507.00 Td (was ) Tj ET Q q 0 0 0 rg BT 137.52 507.00 Td ($340 ) Tj ET Q q 0 0 0 rg BT 160.02 507.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 193.91 507.00 Td (up ) Tj ET Q q 0 0 0 rg BT 206.41 507.00 Td (13%, ) Tj ET Q q 0 0 0 rg BT 229.74 507.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 257.79 507.00 Td (by ) Tj ET Q q 0 0 0 rg BT 270.29 507.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 298.34 507.00 Td (net ) Tj ET Q q 0 0 0 rg BT 313.05 507.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 344.99 507.00 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 489.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 85.25 489.00 Td (& ) Tj ET Q q 0 0 0 rg BT 96.02 489.00 Td (Investor ) Tj ET Q q 0 0 0 rg BT 131.77 489.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 168.64 489.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 203.27 489.00 Td (was ) Tj ET Q q 0 0 0 rg BT 221.80 489.00 Td ($6.6 ) Tj ET Q q 0 0 0 rg BT 242.29 489.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 273.89 489.00 Td (down ) Tj ET Q q 0 0 0 rg BT 299.10 489.00 Td (12%. ) Tj ET Q q 0 0 0 rg BT 322.91 489.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 358.67 489.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 393.30 489.00 Td (of ) Tj ET Q q 0 0 0 rg BT 404.61 489.00 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 425.10 489.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 454.20 489.00 Td (was ) Tj ET Q q 0 0 0 rg BT 472.74 489.00 Td (down ) Tj ET Q q 0 0 0 rg BT 497.94 489.00 Td (17%, ) Tj ET Q q 0 0 0 rg BT 521.76 489.00 Td (on ) Tj ET Q q 0 0 0 rg BT 534.75 489.00 Td (lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 477.00 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 74.95 477.00 Td (Income ) Tj ET Q q 0 0 0 rg BT 107.61 477.00 Td (and ) Tj ET Q q 0 0 0 rg BT 124.71 477.00 Td (Equities ) Tj ET Q q 0 0 0 rg BT 160.16 477.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 195.60 477.00 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 232.22 477.00 Td (The ) Tj ET Q q 0 0 0 rg BT 250.44 477.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 272.55 477.00 Td (year ) Tj ET Q q 0 0 0 rg BT 292.43 477.00 Td (included ) Tj ET Q q 0 0 0 rg BT 329.53 477.00 Td (approximately ) Tj ET Q q 0 0 0 rg BT 389.96 477.00 Td ($500 ) Tj ET Q q 0 0 0 rg BT 412.63 477.00 Td (million ) Tj ET Q q 0 0 0 rg BT 444.19 477.00 Td (of ) Tj ET Q q 0 0 0 rg BT 455.20 477.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 471.74 477.00 Td (value ) Tj ET Q q 0 0 0 rg BT 496.07 477.00 Td (gains ) Tj ET Q q 0 0 0 rg BT 519.85 477.00 Td (related ) Tj ET Q q 0 0 0 rg BT 549.72 477.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 465.00 Td (the ) Tj ET Q q 0 0 0 rg BT 64.17 465.00 Td (adoption ) Tj ET Q q 0 0 0 rg BT 101.62 465.00 Td (of ) Tj ET Q q 0 0 0 rg BT 112.41 465.00 Td (the ) Tj ET Q q 0 0 0 rg BT 127.08 465.00 Td (recognition ) Tj ET Q q 0 0 0 rg BT 175.08 465.00 Td (and ) Tj ET Q q 0 0 0 rg BT 191.97 465.00 Td (measurement ) Tj ET Q q 0 0 0 rg BT 247.74 465.00 Td (accounting ) Tj ET Q q 0 0 0 rg BT 294.06 465.00 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 335.11 465.00 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 378.67 465.00 Td (these ) Tj ET Q q 0 0 0 rg BT 401.67 465.00 Td (gains, ) Tj ET Q q 0 0 0 rg BT 427.74 465.00 Td (total ) Tj ET Q q 0 0 0 rg BT 447.96 465.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 483.19 465.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 517.29 465.00 Td (was ) Tj ET Q q 0 0 0 rg BT 535.29 465.00 Td (down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 453.00 Td (10%, ) Tj ET Q q 0 0 0 rg BT 72.28 453.00 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 97.01 453.00 Td (Income ) Tj ET Q q 0 0 0 rg BT 128.94 453.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 163.66 453.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 197.26 453.00 Td (was ) Tj ET Q q 0 0 0 rg BT 214.76 453.00 Td (down ) Tj ET Q q 0 0 0 rg BT 238.93 453.00 Td (8%, ) Tj ET Q q 0 0 0 rg BT 256.71 453.00 Td (and ) Tj ET Q q 0 0 0 rg BT 273.10 453.00 Td (Equity ) Tj ET Q q 0 0 0 rg BT 301.71 453.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 336.43 453.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 370.03 453.00 Td (was ) Tj ET Q q 0 0 0 rg BT 387.53 453.00 Td (down ) Tj ET Q q 0 0 0 rg BT 411.70 453.00 Td (13%. ) Tj ET Q q 0 0 0 rg BT 434.48 453.00 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 459.21 453.00 Td (Income ) Tj ET Q q 0 0 0 rg BT 491.14 453.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 525.86 453.00 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 441.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.42 441.00 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 80.52 441.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 109.23 441.00 Td (reflected ) Tj ET Q q 0 0 0 rg BT 146.79 441.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 172.15 441.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 206.39 441.00 Td (in ) Tj ET Q q 0 0 0 rg BT 216.77 441.00 Td (Currencies ) Tj ET Q q 0 0 0 rg BT 262.68 441.00 Td (& ) Tj ET Q q 0 0 0 rg BT 273.05 441.00 Td (Emer) Tj ET Q q 0 0 0 rg BT 294.52 441.00 Td (ging ) Tj ET Q q 0 0 0 rg BT 314.90 441.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 350.26 441.00 Td (and ) Tj ET Q q 0 0 0 rg BT 367.29 441.00 Td (Rates, ) Tj ET Q q 0 0 0 rg BT 394.60 441.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 422.74 441.00 Td (by ) Tj ET Q q 0 0 0 rg BT 435.34 441.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 460.70 441.00 Td (client ) Tj ET Q q 0 0 0 rg BT 485.51 441.00 Td (activity ) Tj ET Q q 0 0 0 rg BT 518.09 441.00 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 429.00 Td (to ) Tj ET Q q 0 0 0 rg BT 59.53 429.00 Td (the ) Tj ET Q q 0 0 0 rg BT 74.01 429.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 95.70 429.00 Td (year) Tj ET Q q 0 0 0 rg BT 112.51 429.00 Td (, ) Tj ET Q q 0 0 0 rg BT 117.26 429.00 Td (which ) Tj ET Q q 0 0 0 rg BT 143.96 429.00 Td (benefited ) Tj ET Q q 0 0 0 rg BT 183.42 429.00 Td (from ) Tj ET Q q 0 0 0 rg BT 205.11 429.00 Td (strong ) Tj ET Q q 0 0 0 rg BT 232.37 429.00 Td (performance. ) Tj ET Q q 0 0 0 rg BT 287.48 429.00 Td (This ) Tj ET Q q 0 0 0 rg BT 307.52 429.00 Td (decline ) Tj ET Q q 0 0 0 rg BT 338.64 429.00 Td (was ) Tj ET Q q 0 0 0 rg BT 356.45 429.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 392.03 429.00 Td (of) Tj ET Q q 0 0 0 rg BT 400.18 429.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 416.87 429.00 Td (by ) Tj ET Q q 0 0 0 rg BT 429.13 429.00 Td (improved ) Tj ET Q q 0 0 0 rg BT 469.71 429.00 Td (performance ) Tj ET Q q 0 0 0 rg BT 522.49 429.00 Td (in ) Tj ET Q q 0 0 0 rg BT 532.52 429.00 Td (Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 417.00 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 417.00 Td (rading ) Tj ET Q q 0 0 0 rg BT 83.77 417.00 Td (and ) Tj ET Q q 0 0 0 rg BT 101.17 417.00 Td (Commodities ) Tj ET Q q 0 0 0 rg BT 158.02 417.00 Td (from ) Tj ET Q q 0 0 0 rg BT 180.42 417.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 208.93 417.00 Td (client ) Tj ET Q q 0 0 0 rg BT 234.10 417.00 Td (flows. ) Tj ET Q q 0 0 0 rg BT 261.78 417.00 Td (Compared ) Tj ET Q q 0 0 0 rg BT 306.40 417.00 Td (to ) Tj ET Q q 0 0 0 rg BT 317.14 417.00 Td (a ) Tj ET Q q 0 0 0 rg BT 324.54 417.00 Td (strong ) Tj ET Q q 0 0 0 rg BT 352.50 417.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 374.90 417.00 Td (year) Tj ET Q q 0 0 0 rg BT 391.71 417.00 Td (, ) Tj ET Q q 0 0 0 rg BT 397.17 417.00 Td (Equity ) Tj ET Q q 0 0 0 rg BT 426.79 417.00 Td (Markets ) Tj ET Q q 0 0 0 rg BT 462.52 417.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 497.13 417.00 Td (of ) Tj ET Q q 0 0 0 rg BT 508.42 417.00 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 528.88 417.00 Td (billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 405.00 Td (reflected ) Tj ET Q q 0 0 0 rg BT 85.85 405.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 110.01 405.00 Td (client ) Tj ET Q q 0 0 0 rg BT 133.60 405.00 Td (activity) Tj ET Q q 0 0 0 rg BT 162.94 405.00 Td (, ) Tj ET Q q 0 0 0 rg BT 166.83 405.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 226.53 405.00 Td (in ) Tj ET Q q 0 0 0 rg BT 235.69 405.00 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 283.45 405.00 Td (Securities ) Tj ET Q q 0 0 0 rg BT 324.26 405.00 Td (Services ) Tj ET Q q 0 0 0 rg BT 359.52 405.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 392.55 405.00 Td (was ) Tj ET Q q 0 0 0 rg BT 409.49 405.00 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 428.37 405.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 458.37 405.00 Td (down ) Tj ET Q q 0 0 0 rg BT 481.97 405.00 Td (4%, ) Tj ET Q q 0 0 0 rg BT 499.19 405.00 Td (predominantly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 393.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 77.34 393.00 Td (by ) Tj ET Q q 0 0 0 rg BT 89.64 393.00 Td (fee ) Tj ET Q q 0 0 0 rg BT 104.14 393.00 Td (and ) Tj ET Q q 0 0 0 rg BT 120.88 393.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 152.06 393.00 Td (mar) Tj ET Q q 0 0 0 rg BT 167.43 393.00 Td (gin ) Tj ET Q q 0 0 0 rg BT 182.50 393.00 Td (compression, ) Tj ET Q q 0 0 0 rg BT 237.85 393.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 262.91 393.00 Td (market ) Tj ET Q q 0 0 0 rg BT 292.97 393.00 Td (levels ) Tj ET Q q 0 0 0 rg BT 318.59 393.00 Td (and ) Tj ET Q q 0 0 0 rg BT 335.33 393.00 Td (the ) Tj ET Q q 0 0 0 rg BT 349.84 393.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 379.35 393.00 Td (of ) Tj ET Q q 0 0 0 rg BT 389.97 393.00 Td (a ) Tj ET Q q 0 0 0 rg BT 396.71 393.00 Td (business ) Tj ET Q q 0 0 0 rg BT 432.90 393.00 Td (exit, ) Tj ET Q q 0 0 0 rg BT 452.69 393.00 Td (lar) Tj ET Q q 0 0 0 rg BT 463.06 393.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 482.57 393.00 Td (of) Tj ET Q q 0 0 0 rg BT 490.72 393.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 507.45 393.00 Td (by ) Tj ET Q q 0 0 0 rg BT 519.75 393.00 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 381.00 Td (client ) Tj ET Q q 0 0 0 rg BT 74.21 381.00 Td (activity) Tj ET Q q 0 0 0 rg BT 103.55 381.00 Td (. ) Tj ET Q q 0 0 0 rg BT 108.55 381.00 Td (Credit ) Tj ET Q q 0 0 0 rg BT 135.50 381.00 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 188.55 381.00 Td (& ) Tj ET Q q 0 0 0 rg BT 198.83 381.00 Td (Other ) Tj ET Q q 0 0 0 rg BT 224.10 381.00 Td (was ) Tj ET Q q 0 0 0 rg BT 242.15 381.00 Td (a ) Tj ET Q q 0 0 0 rg BT 249.09 381.00 Td (gain ) Tj ET Q q 0 0 0 rg BT 268.81 381.00 Td (of ) Tj ET Q q 0 0 0 rg BT 279.64 381.00 Td ($136 ) Tj ET Q q 0 0 0 rg BT 302.14 381.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 336.03 381.00 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 376.84 381.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 402.11 381.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 435.72 381.00 Td (spreads ) Tj ET Q q 0 0 0 rg BT 468.21 381.00 Td (on ) Tj ET Q q 0 0 0 rg BT 480.71 381.00 Td (derivatives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.51 363.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.07 363.00 Td (was ) Tj ET Q q 0 0 0 rg BT 150.98 363.00 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 170.83 363.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 201.80 363.00 Td (down ) Tj ET Q q 0 0 0 rg BT 226.38 363.00 Td (4% ) Tj ET Q q 0 0 0 rg BT 242.06 363.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 269.97 363.00 Td (by ) Tj ET Q q 0 0 0 rg BT 282.32 363.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 307.44 363.00 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 386.42 363.00 Td (compensation ) Tj ET Q q 0 0 0 rg BT 444.32 363.00 Td (and ) Tj ET Q q 0 0 0 rg BT 461.11 363.00 Td (the ) Tj ET Q q 0 0 0 rg BT 475.68 363.00 Td (absence ) Tj ET Q q 0 0 0 rg BT 509.68 363.00 Td (of ) Tj ET Q q 0 0 0 rg BT 520.37 363.00 Td (the ) Tj ET Q q 0 0 0 rg BT 534.94 363.00 Td (prior) Tj ET Q q 0 0 0 rg BT 554.18 363.00 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.00 Td (year ) Tj ET Q q 0 0 0 rg BT 69.21 351.00 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 94.49 351.00 Td (surchar) Tj ET Q q 0 0 0 rg BT 123.74 351.00 Td (ge, ) Tj ET Q q 0 0 0 rg BT 138.18 351.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 174.00 351.00 Td (of) Tj ET Q q 0 0 0 rg BT 182.15 351.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 199.08 351.00 Td (by ) Tj ET Q q 0 0 0 rg BT 211.58 351.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 239.63 351.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 289.91 351.00 Td (in ) Tj ET Q q 0 0 0 rg BT 300.18 351.00 Td (technology) Tj ET Q q 0 0 0 rg BT 343.97 351.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 333.00 Td (The ) Tj ET Q q 0 0 0 rg BT 68.24 333.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 109.20 333.00 Td (for ) Tj ET Q q 0 0 0 rg BT 124.05 333.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 150.00 333.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 177.08 333.00 Td (was ) Tj ET Q q 0 0 0 rg BT 195.82 333.00 Td (an ) Tj ET Q q 0 0 0 rg BT 208.45 333.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 243.85 333.00 Td (of ) Tj ET Q q 0 0 0 rg BT 255.36 333.00 Td ($87 ) Tj ET Q q 0 0 0 rg BT 273.55 333.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 308.13 333.00 Td (lar) Tj ET Q q 0 0 0 rg BT 318.50 333.00 Td (gely ) Tj ET Q q 0 0 0 rg BT 338.90 333.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 367.64 333.00 Td (by ) Tj ET Q q 0 0 0 rg BT 380.83 333.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 412.88 333.00 Td (builds ) Tj ET Q q 0 0 0 rg BT 440.52 333.00 Td (related ) Tj ET Q q 0 0 0 rg BT 470.91 333.00 Td (to ) Tj ET Q q 0 0 0 rg BT 481.88 333.00 Td (select ) Tj ET Q q 0 0 0 rg BT 507.83 333.00 Td (C&I) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 525.61 337.53 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.11 333.00 Td ( ) Tj ET Q q 0 0 0 rg BT 535.30 333.00 Td (client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 321.00 Td (downgrades, ) Tj ET Q q 0 0 0 rg BT 103.33 321.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 145.76 321.00 Td (with ) Tj ET Q q 0 0 0 rg BT 166.55 321.00 Td (a ) Tj ET Q q 0 0 0 rg BT 174.00 321.00 Td (benefit ) Tj ET Q q 0 0 0 rg BT 204.78 321.00 Td (of ) Tj ET Q q 0 0 0 rg BT 216.12 321.00 Td ($158 ) Tj ET Q q 0 0 0 rg BT 239.13 321.00 Td (million ) Tj ET Q q 0 0 0 rg BT 271.03 321.00 Td (in ) Tj ET Q q 0 0 0 rg BT 281.82 321.00 Td (the ) Tj ET Q q 0 0 0 rg BT 297.04 321.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 319.49 321.00 Td (year ) Tj ET Q q 0 0 0 rg BT 339.71 321.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 368.27 321.00 Td (by ) Tj ET Q q 0 0 0 rg BT 381.28 321.00 Td (a ) Tj ET Q q 0 0 0 rg BT 388.73 321.00 Td (reserve ) Tj ET Q q 0 0 0 rg BT 420.60 321.00 Td (release ) Tj ET Q q 0 0 0 rg BT 451.37 321.00 Td (in ) Tj ET Q q 0 0 0 rg BT 462.16 321.00 Td (the ) Tj ET Q q 0 0 0 rg BT 477.38 321.00 Td (Oil ) Tj ET Q q 0 0 0 rg BT 493.17 321.00 Td (& ) Tj ET Q q 0 0 0 rg BT 503.96 321.00 Td (Gas ) Tj ET Q q 0 0 0 rg BT 522.52 321.00 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 309.00 Td (related ) Tj ET Q q 0 0 0 rg BT 79.20 309.00 Td (to ) Tj ET Q q 0 0 0 rg BT 89.48 309.00 Td (a ) Tj ET Q q 0 0 0 rg BT 96.42 309.00 Td (single ) Tj ET Q q 0 0 0 rg BT 122.81 309.00 Td (name. ) Tj ET Q q 0 0 0 rg BT 149.46 309.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.96 309.00 Td ( ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 292.50 511.00 -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 52.50 277.40 Td (COMMERCIAL) Tj ET Q q 1 1 1 rg BT 131.94 277.40 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 50.00 262.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 262.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 262.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 262.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 262.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 262.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 262.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 262.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 262.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 262.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 247.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 247.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 247.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 247.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 247.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 247.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 247.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 247.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 247.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 247.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 247.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 247.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 187.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 187.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 187.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 187.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 187.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 187.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 187.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 187.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 187.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 187.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 187.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 187.50 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 378 247.5 m 423 247.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 247.5 m 468 247.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 247.5 m 472 247.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 247.5 m 517 247.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 247.5 m 562 247.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 232.5 m 231 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 232.5 m 276 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 232.5 m 280 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 232.5 m 325 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 232.5 m 329 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 232.5 m 374 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 232.5 m 378 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 232.5 m 423 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 232.5 m 468 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 232.5 m 472 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 232.5 m 517 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 232.5 m 562 232.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 232.5 m 276 232.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 187.5 m 231 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 172.5 m 231 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 187.5 m 276 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 172.5 m 276 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 187.5 m 280 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 172.5 m 280 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 187.5 m 325 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 172.5 m 325 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 187.5 m 329 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 172.5 m 329 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 187.5 m 374 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 172.5 m 374 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 187.5 m 378 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 172.5 m 378 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 187.5 m 423 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 172.5 m 423 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 187.5 m 468 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 172.5 m 468 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 187.5 m 472 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 172.5 m 472 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 187.5 m 517 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 172.5 m 517 172.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 187.5 m 562 187.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 172.5 m 562 172.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 252.17 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 252.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 252.17 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 237.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 237.17 Td (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 237.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 237.17 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 237.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 237.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 237.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 237.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 223.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 222.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 222.17 Td (2,338) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 222.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 222.17 Td (2,306) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 222.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 222.17 Td (2,166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 222.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 222.17 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 222.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 222.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 222.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 222.17 Td (172) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 222.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 222.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 208.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 207.17 Td (873) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 207.17 Td (845) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 207.17 Td (844) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 207.17 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 207.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 207.17 Td (29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 207.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 193.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 192.17 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 192.17 Td (106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.80 192.22 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 192.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 192.22 Td (\(16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 192.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 192.22 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 192.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 192.17 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 192.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 178.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 177.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 177.17 Td (1,053) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 177.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 177.17 Td (1,036) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 177.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 177.17 Td (1,025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 177.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 177.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 177.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 177.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 177.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 177.17 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 177.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 177.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 155.00 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 155.00 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 155.00 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 137.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 137.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 137.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 137.00 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 136.42 137.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 167.54 137.00 Td (an ) Tj ET Q q 0 0 0 rg BT 179.48 137.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 214.73 137.00 Td (of ) Tj ET Q q 0 0 0 rg BT 225.56 137.00 Td (3%.) 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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 (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 706.17 Td (1Q18) 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 (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 691.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 691.17 Td (1Q18) 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 ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 676.17 Td (3,489) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 676.17 Td (3,439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 676.17 Td (3,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 676.17 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 676.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 676.17 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 (\(17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 676.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.45 676.17 Td (?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 662.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 661.17 Td (2,647) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 661.17 Td (2,621) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 661.17 Td (2,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 661.17 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 661.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 661.17 Td (66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 661.17 Td (3) 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 267.15 646.17 Td (2) 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 360.15 646.17 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 646.22 Td (\(1) Tj ET Q q 0 0 0 rg BT 414.13 646.22 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 646.22 Td (\(85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 646.22 Td (\(13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 646.17 Td (\(87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 646.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 632.07 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 631.17 Td (661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 631.17 Td (604) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 631.17 Td (770) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 631.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 631.17 Td (57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 631.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 631.17 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 494.80 631.22 Td (\(109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 631.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 631.17 Td (\(14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 631.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 609.00 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 609.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 591.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 591.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 591.00 Td ($661 ) Tj ET Q q 0 0 0 rg BT 138.92 591.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 591.00 Td (a ) Tj ET Q q 0 0 0 rg BT 179.75 591.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 216.67 591.00 Td (of ) Tj ET Q q 0 0 0 rg BT 227.50 591.00 Td (14%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 573.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.80 573.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 99.30 573.00 Td (of ) Tj ET Q q 0 0 0 rg BT 109.49 573.00 Td ($3.5 ) Tj ET Q q 0 0 0 rg BT 128.85 573.00 Td (billion ) Tj ET Q q 0 0 0 rg BT 156.82 573.00 Td (was ) Tj ET Q q 0 0 0 rg BT 174.24 573.00 Td (flat, ) Tj ET Q q 0 0 0 rg BT 191.92 573.00 Td (with ) Tj ET Q q 0 0 0 rg BT 211.56 573.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 236.19 573.00 Td (management ) Tj ET Q q 0 0 0 rg BT 289.13 573.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 307.09 573.00 Td (due ) Tj ET Q q 0 0 0 rg BT 323.39 573.00 Td (to ) Tj ET Q q 0 0 0 rg BT 333.03 573.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 357.66 573.00 Td (average ) Tj ET Q q 0 0 0 rg BT 390.60 573.00 Td (market ) Tj ET Q q 0 0 0 rg BT 420.22 573.00 Td (levels, ) Tj ET Q q 0 0 0 rg BT 447.91 573.00 Td (and ) Tj ET Q q 0 0 0 rg BT 464.20 573.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 488.83 573.00 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 530.67 573.00 Td (activity) Tj ET Q q 0 0 0 rg BT 560.01 573.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 561.00 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 561.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 74.59 561.00 Td (by ) Tj ET Q q 0 0 0 rg BT 87.09 561.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 115.13 561.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 161.52 561.00 Td (valuation ) Tj ET Q q 0 0 0 rg BT 201.23 561.00 Td (gains. ) 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 98.03 543.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 132.11 543.00 Td (was ) Tj ET Q q 0 0 0 rg BT 149.53 543.00 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 168.90 543.00 Td (billion, ) Tj ET Q q 0 0 0 rg BT 199.39 543.00 Td (an ) Tj ET Q q 0 0 0 rg BT 210.70 543.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 245.32 543.00 Td (of ) Tj ET Q q 0 0 0 rg BT 255.52 543.00 Td (3%, ) Tj ET Q q 0 0 0 rg BT 273.22 543.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 333.42 543.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 360.83 543.00 Td (by ) Tj ET Q q 0 0 0 rg BT 372.71 543.00 Td (continued ) Tj ET Q q 0 0 0 rg BT 414.01 543.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 463.66 543.00 Td (in ) Tj ET Q q 0 0 0 rg BT 473.31 543.00 Td (the ) Tj ET Q q 0 0 0 rg BT 487.39 543.00 Td (business, ) Tj ET Q q 0 0 0 rg BT 525.66 543.00 Td (and ) Tj ET Q q 0 0 0 rg BT 541.97 543.00 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.00 Td (headcount ) Tj ET Q q 0 0 0 rg BT 93.09 531.00 Td (related ) Tj ET Q q 0 0 0 rg BT 122.80 531.00 Td (costs, ) Tj ET Q q 0 0 0 rg BT 147.80 531.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 183.62 531.00 Td (of) Tj ET Q q 0 0 0 rg BT 191.77 531.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 208.70 531.00 Td (by ) Tj ET Q q 0 0 0 rg BT 221.20 531.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 246.47 531.00 Td (external ) Tj ET Q q 0 0 0 rg BT 281.17 531.00 Td (fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 513.00 Td (Assets ) Tj ET Q q 0 0 0 rg BT 78.11 513.00 Td (under ) Tj ET Q q 0 0 0 rg BT 103.38 513.00 Td (management ) Tj ET Q q 0 0 0 rg BT 156.97 513.00 Td (were ) Tj ET Q q 0 0 0 rg BT 178.90 513.00 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 198.90 513.00 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 231.12 513.00 Td (up ) Tj ET Q q 0 0 0 rg BT 243.62 513.00 Td (4%, ) Tj ET Q q 0 0 0 rg BT 261.95 513.00 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 322.77 513.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 350.82 513.00 Td (by ) Tj ET Q q 0 0 0 rg BT 363.32 513.00 Td (net ) Tj ET Q q 0 0 0 rg BT 378.04 513.00 Td (inflows ) Tj ET Q q 0 0 0 rg BT 410.54 513.00 Td (into ) Tj ET Q q 0 0 0 rg BT 428.59 513.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 464.98 513.00 Td (and ) Tj ET Q q 0 0 0 rg BT 481.92 513.00 Td (long-term ) Tj ET Q q 0 0 0 rg BT 523.86 513.00 Td (products.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 496.50 511.00 -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 52.50 481.40 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 481.40 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 50.00 466.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 466.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 466.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 466.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 466.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 466.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 466.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 466.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 466.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 466.50 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 451.50 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 451.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 451.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 451.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 451.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 451.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 451.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 451.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 451.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 451.50 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 451.50 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 451.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 421.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 421.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 421.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 421.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 421.50 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 421.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 406.50 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 406.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 391.50 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 391.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 391.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 391.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 391.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 391.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 391.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 391.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 391.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 391.50 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 391.50 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 391.50 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 378 451.5 m 423 451.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 451.5 m 468 451.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 451.5 m 472 451.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 451.5 m 517 451.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 451.5 m 562 451.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 436.5 m 231 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 436.5 m 276 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 436.5 m 280 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 436.5 m 325 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 436.5 m 329 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 436.5 m 374 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 436.5 m 378 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 436.5 m 423 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 436.5 m 468 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 436.5 m 472 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 436.5 m 517 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 436.5 m 562 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 436.5 m 276 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 436.5 m 325 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 436.5 m 374 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 436.5 m 468 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 436.5 m 562 436.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 391.5 m 374 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 391.5 m 231 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 376.5 m 231 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 391.5 m 276 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 376.5 m 276 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 391.5 m 280 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 376.5 m 280 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 391.5 m 325 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 376.5 m 325 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 391.5 m 329 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 376.5 m 329 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 391.5 m 374 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 376.5 m 374 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 391.5 m 378 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 376.5 m 378 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 391.5 m 423 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 376.5 m 423 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 391.5 m 468 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 376.5 m 468 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 391.5 m 472 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 376.5 m 472 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 391.5 m 517 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 376.5 m 517 376.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 391.5 m 562 391.5 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 376.5 m 562 376.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 456.17 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 456.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 456.17 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 441.17 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 441.17 Td (1Q19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 441.17 Td (4Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 441.17 Td (1Q18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 441.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 441.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 441.17 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 441.17 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 427.07 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 426.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 426.17 Td (425) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 426.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 426.17 Td (127) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 426.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 426.22 Td (\(232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 426.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 426.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 426.17 Td (298) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 426.17 Td (235) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 426.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 426.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 426.17 Td (657) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 426.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 412.07 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 411.17 Td (21) Tj ET Q q 0 0 0 rg BT 267.15 411.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 411.17 Td (508) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 411.17 Td (87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 411.22 Td (\(297) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 411.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 411.22 Td (\(58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 411.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 411.17 Td (124) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 411.17 Td (143) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 397.07 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.15 396.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 396.22 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 396.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.80 396.22 Td (\(4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 396.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 396.17 Td (3) 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 508.15 396.17 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 396.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 382.07 Td (Net income/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 381.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 381.17 Td (251) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 381.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.80 381.22 Td (\(577) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 381.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 381.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 381.22 Td (\(383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 381.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 381.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 381.17 Td (828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 381.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 381.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 381.17 Td (634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 381.17 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 359.00 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 341.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 341.00 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 341.00 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 341.00 Td ($251 ) Tj ET Q q 0 0 0 rg BT 138.92 341.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 341.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 214.74 341.00 Td (with ) Tj ET Q q 0 0 0 rg BT 235.02 341.00 Td (a ) Tj ET Q q 0 0 0 rg BT 241.96 341.00 Td (net ) Tj ET Q q 0 0 0 rg BT 256.67 341.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 274.73 341.00 Td (of ) Tj ET Q q 0 0 0 rg BT 285.56 341.00 Td ($383 ) Tj ET Q q 0 0 0 rg BT 308.06 341.00 Td (million ) Tj ET Q q 0 0 0 rg BT 339.46 341.00 Td (in ) Tj ET Q q 0 0 0 rg BT 349.73 341.00 Td (the ) Tj ET Q q 0 0 0 rg BT 364.45 341.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 386.39 341.00 Td (year) Tj ET Q q 0 0 0 rg BT 403.04 341.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.35 323.00 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.41 323.00 Td (was ) Tj ET Q q 0 0 0 rg BT 118.38 323.00 Td ($425 ) Tj ET Q q 0 0 0 rg BT 140.79 323.00 Td (million, ) Tj ET Q q 0 0 0 rg BT 174.60 323.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 216.44 323.00 Td (with ) Tj ET Q q 0 0 0 rg BT 236.63 323.00 Td (a ) Tj ET Q q 0 0 0 rg BT 243.48 323.00 Td (net ) Tj ET Q q 0 0 0 rg BT 258.12 323.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 276.09 323.00 Td (of ) Tj ET Q q 0 0 0 rg BT 286.84 323.00 Td ($232 ) Tj ET Q q 0 0 0 rg BT 309.25 323.00 Td (million ) Tj ET Q q 0 0 0 rg BT 340.56 323.00 Td (in ) Tj ET Q q 0 0 0 rg BT 350.75 323.00 Td (the ) Tj ET Q q 0 0 0 rg BT 365.38 323.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 387.23 323.00 Td (year) Tj ET Q q 0 0 0 rg BT 403.89 323.00 Td (. ) Tj ET Q q 0 0 0 rg BT 408.63 323.00 Td (This ) Tj ET Q q 0 0 0 rg BT 428.82 323.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 463.99 323.00 Td (was ) Tj ET Q q 0 0 0 rg BT 481.96 323.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 509.92 323.00 Td (by ) Tj ET Q q 0 0 0 rg BT 522.33 323.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 550.29 323.00 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 311.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.43 311.00 Td (income ) Tj ET Q q 0 0 0 rg BT 113.37 311.00 Td (on ) Tj ET Q q 0 0 0 rg BT 125.87 311.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 153.91 311.00 Td (rates, ) Tj ET Q q 0 0 0 rg BT 177.79 311.00 Td (as ) Tj ET Q q 0 0 0 rg BT 188.62 311.00 Td (well ) Tj ET Q q 0 0 0 rg BT 208.34 311.00 Td (as ) Tj ET Q q 0 0 0 rg BT 219.17 311.00 Td (the ) Tj ET Q q 0 0 0 rg BT 233.88 311.00 Td (absence ) Tj ET Q q 0 0 0 rg BT 268.03 311.00 Td (of ) Tj ET Q q 0 0 0 rg BT 278.86 311.00 Td (net ) Tj ET Q q 0 0 0 rg BT 293.58 311.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 319.97 311.00 Td (on ) Tj ET Q q 0 0 0 rg BT 332.47 311.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 378.85 311.00 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 293.00 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 98.66 293.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 133.36 293.00 Td (of ) Tj ET Q q 0 0 0 rg BT 144.19 293.00 Td ($21) Tj ET Q q 0 0 0 rg BT 158.82 293.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 166.32 293.00 Td (million ) Tj ET Q q 0 0 0 rg BT 197.71 293.00 Td (included ) Tj ET Q q 0 0 0 rg BT 234.65 293.00 Td (a ) Tj ET Q q 0 0 0 rg BT 241.58 293.00 Td (contribution ) Tj ET Q q 0 0 0 rg BT 292.97 293.00 Td (to ) Tj ET Q q 0 0 0 rg BT 303.25 293.00 Td (the ) Tj ET Q q 0 0 0 rg BT 317.96 293.00 Td (JPMor) Tj ET Q q 0 0 0 rg BT 344.46 293.00 Td (gan ) Tj ET Q q 0 0 0 rg BT 361.39 293.00 Td (Chase ) Tj ET Q q 0 0 0 rg BT 388.33 293.00 Td (Foundation ) Tj ET Q q 0 0 0 rg BT 436.39 293.00 Td (of ) Tj ET Q q 0 0 0 rg BT 447.22 293.00 Td ($100 ) Tj ET Q q 0 0 0 rg BT 469.72 293.00 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 q 0 0 0 rg BT 238.21 740.25 Td (and ) Tj ET Q q 0 0 0 rg BT 256.83 740.25 Td (key ) Tj ET Q q 0 0 0 rg BT 274.33 740.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 331.81 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 363.29 740.25 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 722.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 722.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 136.17 722.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.67 722.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.40 722.25 Td (measur) Tj ET Q q 0 0 0 rg BT 209.88 722.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.25 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 698.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.96 698.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.87 698.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.78 698.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.78 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.13 698.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 200.35 698.25 Td (s ) Tj ET Q q 0 0 0 rg BT 206.38 698.25 Td (results ) Tj ET Q q 0 0 0 rg BT 234.62 698.25 Td (on ) Tj ET Q q 0 0 0 rg BT 246.75 698.25 Td (a ) Tj ET Q q 0 0 0 rg BT 253.32 698.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 288.76 698.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 313.40 698.25 Td (management ) Tj ET Q q 0 0 0 rg BT 366.62 698.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 399.85 698.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 440.86 698.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.60 698.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.51 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.86 698.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 90.46 686.25 Td (on ) Tj ET Q q 0 0 0 rg BT 102.59 686.25 Td (a ) Tj ET Q q 0 0 0 rg BT 109.16 686.25 Td (managed?) 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650.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 358.59 650.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 407.92 650.25 Td (, ) Tj ET Q q 0 0 0 rg BT 412.30 650.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 445.82 650.25 Td (from ) Tj ET Q q 0 0 0 rg BT 467.13 650.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 516.78 650.25 Td (that ) Tj ET Q q 0 0 0 rg BT 533.65 650.25 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 638.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 82.60 638.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 112.13 638.25 Td (and ) Tj ET Q q 0 0 0 rg BT 129.45 638.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 177.31 638.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 217.95 638.25 Td (is ) Tj ET Q q 0 0 0 rg BT 227.50 638.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 268.70 638.25 Td (in ) Tj ET Q q 0 0 0 rg BT 279.36 638.25 Td (the ) Tj ET Q q 0 0 0 rg BT 294.45 638.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 333.43 638.25 Td (results ) Tj ET Q q 0 0 0 rg BT 362.42 638.25 Td (on ) Tj ET Q q 0 0 0 rg BT 375.30 638.25 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626.25 Td (from ) Tj ET Q q 0 0 0 rg BT 496.69 626.25 Td (both ) Tj ET Q q 0 0 0 rg BT 516.83 626.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 548.07 626.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.41 614.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 148.69 614.25 Td (The ) Tj ET Q q 0 0 0 rg BT 166.17 614.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 225.31 614.25 Td (income ) Tj ET Q q 0 0 0 rg BT 256.67 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 270.82 614.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 299.96 614.25 Td (related ) Tj ET Q q 0 0 0 rg BT 329.09 614.25 Td (to ) Tj ET Q q 0 0 0 rg BT 338.80 614.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 385.71 614.25 Td (items ) Tj ET Q q 0 0 0 rg BT 409.31 614.25 Td (is ) Tj ET Q q 0 0 0 rg BT 417.91 614.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 454.81 614.25 Td (within ) Tj ET Q q 0 0 0 rg BT 482.30 614.25 Td (income ) Tj ET Q q 0 0 0 rg BT 513.66 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 527.81 614.25 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602.25 Td (of ) Tj ET Q q 0 0 0 rg BT 500.62 602.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 540.60 602.25 Td (For ) Tj ET Q q 0 0 0 rg BT 558.09 602.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 124.18 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 134.21 590.25 Td (the ) Tj ET Q q 0 0 0 rg BT 148.13 590.25 Td (Firm? 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Tj ET Q q 0 0 0 rg BT 356.33 530.25 Td ( ) Tj ET Q q 0 0 0 rg BT 359.17 530.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 387.00 530.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.41 530.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 421.64 530.25 Td (see ) Tj ET Q q 0 0 0 rg BT 437.25 530.25 Td (page ) Tj ET Q q 0 0 0 rg BT 458.96 530.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 466.80 530.25 Td (of ) Tj ET Q q 0 0 0 rg BT 477.97 530.25 Td (the ) Tj ET Q q 0 0 0 rg BT 493.03 530.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 531.42 530.25 Td (Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 106.59 518.25 Td (Supplement. ) Tj ET Q q 0 0 0 rg BT 158.75 518.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 193.40 518.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 232.49 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.59 518.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 268.81 518.25 Td (s ) Tj ET Q q 0 0 0 rg BT 274.58 518.25 Td (net ) Tj ET Q q 0 0 0 rg BT 288.68 518.25 Td (income ) Tj ET Q q 0 0 0 rg BT 320.00 518.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 362.96 518.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.62 518.25 Td (common ) Tj ET Q q 0 0 0 rg BT 409.50 518.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 436.37 518.25 Td (as ) Tj ET Q q 0 0 0 rg BT 446.58 518.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.90 518.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 498.08 518.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.29 518.25 Td (average ) Tj ET Q q 0 0 0 rg BT 541.12 518.25 Td (TCE. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 100.84 506.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 143.60 506.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.04 506.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 180.27 506.25 Td (s ) Tj ET Q q 0 0 0 rg BT 186.22 506.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 207.33 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 216.77 506.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 262.31 506.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 294.52 506.25 Td (by ) Tj ET Q q 0 0 0 rg BT 306.74 506.25 Td (common ) Tj ET Q q 0 0 0 rg BT 343.96 506.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 371.17 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 380.61 506.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 428.65 506.25 Td (Book ) Tj ET Q q 0 0 0 rg BT 452.54 506.25 Td (value ) Tj ET Q q 0 0 0 rg BT 476.42 506.25 Td (per ) Tj ET Q q 0 0 0 rg BT 491.41 506.25 Td (share ) Tj ET Q q 0 0 0 rg BT 514.73 506.25 Td (was ) Tj ET Q q 0 0 0 rg BT 532.50 506.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.50 506.25 Td (71.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.00 506.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 494.25 Td (70.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 494.25 Td ( ) Tj ET Q q 0 0 0 rg BT 97.18 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.79 494.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.79 494.25 Td (67.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.29 494.25 Td ( ) Tj ET Q q 0 0 0 rg BT 143.47 494.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.86 494.25 Td (March ) Tj ET Q q 0 0 0 rg BT 181.14 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 195.81 494.25 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.81 494.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.49 494.25 Td (December ) Tj ET Q q 0 0 0 rg BT 263.75 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 278.43 494.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.43 494.25 Td (, ) Tj ET Q q 0 0 0 rg BT 303.11 494.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.72 494.25 Td (March ) Tj ET Q q 0 0 0 rg BT 348.00 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 362.67 494.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.67 494.25 Td (, ) Tj ET Q q 0 0 0 rg BT 387.35 494.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 435.01 494.25 Td (. ) Tj ET Q q 0 0 0 rg BT 439.53 494.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 463.09 494.25 Td (ROTCE, ) Tj ET Q q 0 0 0 rg BT 500.55 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.01 494.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 550.31 494.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 482.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 115.54 482.25 Td (to ) Tj ET Q q 0 0 0 rg BT 125.82 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.54 482.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 164.99 482.25 Td (as ) Tj ET Q q 0 0 0 rg BT 175.82 482.25 Td (well ) Tj ET Q q 0 0 0 rg BT 195.53 482.25 Td (as ) Tj ET Q q 0 0 0 rg BT 206.36 482.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 244.97 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 261.91 482.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 299.13 482.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.40 482.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 349.13 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 363.84 482.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 386.07 482.25 Td (s ) Tj ET Q q 0 0 0 rg BT 392.46 482.25 Td (use ) Tj ET Q q 0 0 0 rg BT 408.29 482.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.12 482.25 Td (equity) Tj ET Q q 0 0 0 rg BT 443.47 482.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 446.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 446.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 446.25 Td (key ) Tj ET Q q 0 0 0 rg BT 106.44 446.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 163.92 446.25 Td (measur) Tj ET Q q 0 0 0 rg BT 195.40 446.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 422.25 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 422.25 Td (Core ) Tj ET Q q 0 0 0 rg BT 89.14 422.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 112.44 422.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 151.28 422.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.59 422.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 220.10 422.25 Td (central ) Tj ET Q q 0 0 0 rg BT 249.50 422.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.48 422.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.89 422.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 296.12 422.25 Td (s ) Tj ET Q q 0 0 0 rg BT 302.21 422.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 337.18 422.25 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 384.38 422.25 Td (core ) Tj ET Q q 0 0 0 rg BT 403.78 422.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 427.09 422.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 460.38 422.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 483.69 422.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 523.65 422.25 Td (as ) Tj ET Q q 0 0 0 rg BT 534.17 422.25 Td (trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 410.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.83 410.25 Td (runof) Tj ET Q q 0 0 0 rg BT 117.31 410.25 Td (f ) Tj ET Q q 0 0 0 rg BT 123.14 410.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 167.03 410.25 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 220.63 410.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 262.02 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.96 410.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 320.34 410.25 Td (the ) Tj ET Q q 0 0 0 rg BT 335.06 410.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 357.01 410.25 Td (has ) Tj ET Q q 0 0 0 rg BT 372.84 410.25 Td (an ) Tj ET Q q 0 0 0 rg BT 384.78 410.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 410.05 410.25 Td (to ) Tj ET Q q 0 0 0 rg BT 420.33 410.25 Td (exit. ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 97.57 740.25 Td (notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (3. ) 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 85.78 710.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 110.73 710.25 Td (III ) Tj ET Q q 0 0 0 rg BT 123.45 710.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 167.28 710.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 199.16 710.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 256.88 710.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 282.94 710.25 Td (and ) Tj ET Q q 0 0 0 rg BT 300.11 710.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 329.49 710.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 354.44 710.25 Td (became ) Tj ET Q q 0 0 0 rg BT 387.70 710.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 409.32 710.25 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 450.93 710.25 Td (\(FPI\) ) Tj ET Q q 0 0 0 rg BT 483.65 710.25 Td (ef) Tj ET Q q 0 0 0 rg BT 491.24 710.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 521.17 710.25 Td (January ) Tj ET Q q 0 0 0 rg BT 555.00 710.25 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 698.25 Td (2019. ) Tj ET Q q 0 0 0 rg BT 92.21 698.25 Td (The ) Tj ET Q q 0 0 0 rg BT 110.14 698.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 139.18 698.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 179.32 698.25 Td (of ) Tj ET Q q 0 0 0 rg BT 190.03 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 204.63 698.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 226.46 698.25 Td (is ) Tj ET Q q 0 0 0 rg BT 235.52 698.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 276.21 698.25 Td (against ) Tj ET Q q 0 0 0 rg BT 306.92 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 321.52 698.25 Td (FPI ) Tj ET Q q 0 0 0 rg BT 338.36 698.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 377.95 698.25 Td (under ) Tj ET Q q 0 0 0 rg BT 403.10 698.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 427.71 698.25 Td (III ) Tj ET Q q 0 0 0 rg BT 440.08 698.25 Td (and ) Tj ET Q q 0 0 0 rg BT 456.90 698.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 499.82 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 514.43 698.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 539.58 698.25 Td (of ) Tj ET Q q 0 0 0 rg BT 550.29 698.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (Standardized ) Tj ET Q q 0 0 0 rg BT 121.74 686.25 Td (or ) Tj ET Q q 0 0 0 rg BT 131.66 686.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 174.24 686.25 Td (approaches. ) Tj ET Q q 0 0 0 rg BT 223.75 686.25 Td (For ) Tj ET Q q 0 0 0 rg BT 239.69 686.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 281.72 686.25 Td (information ) Tj ET Q q 0 0 0 rg BT 330.97 686.25 Td (on ) Tj ET Q q 0 0 0 rg BT 343.01 686.25 Td (these ) Tj ET Q q 0 0 0 rg BT 365.60 686.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 407.34 686.25 Td (see ) Tj ET Q q 0 0 0 rg BT 422.15 686.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 453.07 686.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 473.45 686.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 527.70 686.25 Td (on ) Tj ET Q q 0 0 0 rg BT 539.74 686.25 Td (pages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (85-94 ) Tj ET Q q 0 0 0 rg BT 93.33 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.16 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 118.88 674.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 141.10 674.25 Td (s ) Tj ET Q q 0 0 0 rg BT 147.50 674.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 170.00 674.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 194.17 674.25 Td (10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 656.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 656.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 656.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 656.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 656.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 656.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 638.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 638.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 638.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 638.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 118.88 638.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 146.38 638.25 Td (to ) Tj ET Q q 0 0 0 rg BT 156.66 638.25 Td (employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 620.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 108.89 620.25 Td (average ) Tj ET Q q 0 0 0 rg BT 142.47 620.25 Td (core ) Tj ET Q q 0 0 0 rg BT 162.18 620.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 185.79 620.25 Td (across ) Tj ET Q q 0 0 0 rg BT 213.28 620.25 Td (all ) Tj ET Q q 0 0 0 rg BT 225.77 620.25 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 272.99 620.25 Td (up ) Tj ET Q q 0 0 0 rg BT 285.49 620.25 Td (6% ) Tj ET Q q 0 0 0 rg BT 300.95 620.25 Td (Y) Tj ET Q q 0 0 0 rg BT 307.17 620.25 Td (oY) Tj ET Q q 0 0 0 rg BT 319.02 620.25 Td ( ) Tj ET Q q 0 0 0 rg BT 321.52 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 338.46 620.25 Td (1% ) Tj ET Q q 0 0 0 rg BT 354.29 620.25 Td (QoQ. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 602.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 602.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 602.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 602.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 584.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 76.76 584.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 106.74 584.25 Td (January ) Tj ET Q q 0 0 0 rg BT 140.62 584.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 150.91 584.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 176.19 584.25 Td (the ) Tj ET Q q 0 0 0 rg BT 191.19 584.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 213.42 584.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 247.85 584.25 Td (several ) Tj ET Q q 0 0 0 rg BT 278.95 584.25 Td (new ) Tj ET Q q 0 0 0 rg BT 298.39 584.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 345.05 584.25 Td (standards, ) Tj ET Q q 0 0 0 rg BT 388.10 584.25 Td (including ) Tj ET Q q 0 0 0 rg BT 428.66 584.25 Td (the ) Tj ET Q q 0 0 0 rg BT 443.65 584.25 Td (recognition ) Tj ET Q q 0 0 0 rg BT 491.98 584.25 Td (and ) Tj ET Q q 0 0 0 rg BT 509.20 584.25 Td (measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 78.02 572.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 115.19 572.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 143.06 572.25 Td (The ) Tj ET Q q 0 0 0 rg BT 160.79 572.25 Td (adoption ) Tj ET Q q 0 0 0 rg BT 197.98 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.50 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 222.91 572.25 Td (recognition ) Tj ET Q q 0 0 0 rg BT 270.64 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 287.27 572.25 Td (measurement ) Tj ET Q q 0 0 0 rg BT 342.78 572.25 Td (guidance ) Tj ET Q q 0 0 0 rg BT 381.06 572.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 414.91 572.25 Td (in ) Tj ET Q q 0 0 0 rg BT 424.88 572.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 484.83 572.25 Td ($500 ) Tj ET Q q 0 0 0 rg BT 507.02 572.25 Td (million ) Tj ET Q q 0 0 0 rg BT 538.10 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.62 572.25 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (value ) Tj ET Q q 0 0 0 rg BT 91.05 560.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 114.06 560.25 Td (on ) Tj ET Q q 0 0 0 rg BT 125.96 560.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 155.06 560.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 181.96 560.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 231.63 560.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 275.75 560.25 Td (held ) Tj ET Q q 0 0 0 rg BT 294.86 560.25 Td (at ) Tj ET Q q 0 0 0 rg BT 303.98 560.25 Td (cost. ) Tj ET Q q 0 0 0 rg BT 324.07 560.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 362.08 560.25 Td (Markets ) Tj ET Q q 0 0 0 rg BT 396.74 560.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 430.29 560.25 Td (for ) Tj ET Q q 0 0 0 rg BT 443.85 560.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 465.75 560.25 Td (excludes ) Tj ET Q q 0 0 0 rg BT 502.63 560.25 Td (these ) Tj ET Q q 0 0 0 rg BT 525.08 560.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.85 560.25 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (gains.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 530.25 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 530.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.59 530.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 134.24 530.25 Td (to ) Tj ET Q q 0 0 0 rg BT 145.11 530.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 174.32 530.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 217.95 530.25 Td (new ) Tj ET Q q 0 0 0 rg BT 237.71 530.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.25 530.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 292.21 530.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 320.57 530.25 Td (including ) Tj ET Q q 0 0 0 rg BT 361.45 530.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 385.65 530.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.19 530.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 463.23 530.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 491.32 530.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 529.96 530.25 Td (to ) Tj ET Q q 0 0 0 rg BT 540.84 530.25 Td (small ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 112.18 518.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 144.06 518.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 167.62 518.25 Td (and ) Tj ET Q q 0 0 0 rg BT 184.51 518.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 224.72 518.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 246.06 518.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.85 518.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 282.07 518.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 320.07 518.25 Td (by ) Tj ET Q q 0 0 0 rg BT 332.52 518.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 376.09 518.25 Td (& ) Tj ET Q q 0 0 0 rg BT 386.32 518.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 424.34 518.25 Td (Banking; ) Tj ET Q q 0 0 0 rg BT 463.46 518.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 487.85 518.25 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 528.62 518.25 Td (Services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (& ) Tj ET Q q 0 0 0 rg BT 77.31 506.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 102.70 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 119.75 506.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 171.79 506.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 210.78 506.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 238.39 506.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 276.55 506.25 Td (to ) Tj ET Q q 0 0 0 rg BT 286.93 506.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 326.76 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 343.81 506.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 364.20 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 381.25 506.25 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 419.97 506.25 Td (government ) Tj ET Q q 0 0 0 rg BT 470.35 506.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 504.34 506.25 Td (including ) Tj ET Q q 0 0 0 rg BT 544.72 506.25 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 96.77 494.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 160.47 494.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 200.58 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 219.57 494.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 272.73 494.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 317.82 494.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 345.13 494.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 385.23 494.25 Td (by ) Tj ET Q q 0 0 0 rg BT 399.78 494.25 Td (the ) Tj ET Q q 0 0 0 rg BT 416.55 494.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 461.08 494.25 Td (& ) Tj ET Q q 0 0 0 rg BT 473.41 494.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 522.40 494.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 548.06 494.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 482.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 119.43 482.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 464.25 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 464.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 119.43 464.25 Td (and ) Tj ET Q q 0 0 0 rg BT 136.37 464.25 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 177.19 464.25 Td (groupings ) Tj ET Q q 0 0 0 rg BT 219.69 464.25 Td (are ) Tj ET Q q 0 0 0 rg BT 234.40 464.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 274.10 464.25 Td (based ) Tj ET Q q 0 0 0 rg BT 299.37 464.25 Td (on ) Tj ET Q q 0 0 0 rg BT 311.87 464.25 Td (client ) Tj ET Q q 0 0 0 rg BT 336.58 464.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 376.30 464.25 Td (and ) Tj ET Q q 0 0 0 rg BT 393.24 464.25 Td (do ) Tj ET Q q 0 0 0 rg BT 405.74 464.25 Td (not ) Tj ET Q q 0 0 0 rg BT 421.02 464.25 Td (align ) Tj ET Q q 0 0 0 rg BT 443.51 464.25 Td (with ) Tj ET Q q 0 0 0 rg BT 463.79 464.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 507.38 464.25 Td (definitions.) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 725.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 75.99 725.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 91.74 725.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 117.48 725.70 Td (& ) Tj ET Q q 0 0 0 rg BT 126.56 725.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 142.03 725.70 Td (\(NYSE: ) Tj ET Q q 0 0 0 rg BT 175.56 725.70 Td (JPM\) ) Tj ET Q q 0 0 0 rg BT 198.54 725.70 Td (is ) Tj ET Q q 0 0 0 rg BT 206.51 725.70 Td (a ) Tj ET Q q 0 0 0 rg BT 212.25 725.70 Td (leading ) Tj ET Q q 0 0 0 rg BT 242.99 725.70 Td (global ) Tj ET Q q 0 0 0 rg BT 269.29 725.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 305.57 725.70 Td (services ) Tj ET Q q 0 0 0 rg BT 339.08 725.70 Td (firm ) Tj ET Q q 0 0 0 rg BT 357.61 725.70 Td (with ) Tj ET Q q 0 0 0 rg BT 376.69 725.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 401.32 725.70 Td (of) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 409.65 725.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.22 725.70 Td ($2.7 ) 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 (.) 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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.) 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