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Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 761.26 Td (270 Park ) Tj ET Q q 0 0 0 rg BT 50.00 761.26 Td (A) Tj ET Q q 0 0 0 rg BT 55.83 761.26 Td (venue, New ) Tj ET Q q 0 0 0 rg BT 100.73 761.26 Td (Y) Tj ET Q q 0 0 0 rg BT 106.33 761.26 Td (ork, NY) Tj ET Q q 0 0 0 rg BT 135.49 761.26 Td ( 10017-2070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 16.00 752.26 Td (NYSE symbol: JPM) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 16 742.06005859375 m 109.2255859375 742.06005859375 l s q 0 0 1 rg BT 16.00 743.26 Td (www) Tj ET Q q 0 0 1 rg BT 34.91 743.26 Td (.jpmor) Tj ET Q q 0 0 1 rg BT 58.50 743.26 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 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 \(212\) 270-7325) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 12.00 55.32 Td (1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 14.27 52.15 Td (For notes on non-GAAP) Tj ET Q q 0 0 0 rg BT 82.65 52.15 Td ( financial measures, including managed basis reporting and key performance measures, see page 5.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 12.00 42.15 Td (For additional notes see page 6.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.75 62.76 Td (Media Contact: Joe Evangelisti \(212\) 270-7438) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.20 Tf ET q 0 0 0 rg BT 128.45 722.10 Td (JPMORGAN CHASE REPOR) Tj ET Q q 0 0 0 rg BT 262.96 722.10 Td (TS FOUR) Tj ET Q q 0 0 0 rg BT 306.52 722.10 Td (TH-QUAR) Tj ET Q q 0 0 0 rg BT 354.33 722.10 Td (TER 2017 NET) Tj ET Q q 0 0 0 rg BT 421.60 722.10 Td ( INCOME OF) Tj ET Q BT /F2 10.20 Tf ET q 0 0 0 rg BT 220.70 709.90 Td ($4.2 BILLION, OR $1.07 PER SHARE ) Tj ET Q BT /F2 10.20 Tf ET q 0 0 0 rg BT 29.60 697.65 Td (FOUR) Tj ET Q q 0 0 0 rg BT 58.14 697.65 Td (TH-QUAR) Tj ET Q q 0 0 0 rg BT 105.95 697.65 Td (TER 2017 NET) Tj ET Q q 0 0 0 rg BT 173.21 697.65 Td ( INCOME OF) Tj ET Q q 0 0 0 rg BT 235.16 697.65 Td ( $6.7 BILLION, OR $1.76 PER SHARE EXCLUDING SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 543.58 697.65 Td ( ITEMS) Tj ET Q BT /F2 10.20 Tf ET BT /F2 6.63 Tf ET q 0 0 0 rg BT 579.01 702.27 Td (1) Tj ET Q BT /F2 10.20 Tf ET q 0 0 0 rg BT 133.00 669.15 Td (FULL-YEAR 2017 NET) Tj ET Q q 0 0 0 rg BT 238.79 669.15 Td ( INCOME OF) Tj ET Q q 0 0 0 rg BT 300.75 669.15 Td ( $24.4 BILLION, OR $6.31 PER SHARE) Tj ET Q BT /F2 10.20 Tf ET q 0 0 0 rg BT 18.00 653.90 Td ( ) Tj ET Q q 0 0 0 rg BT 27.00 653.90 Td (FULL-YEAR 2017 RECORD NET) Tj ET Q q 0 0 0 rg BT 179.54 653.90 Td ( INCOME OF) Tj ET Q q 0 0 0 rg BT 241.50 653.90 Td ( $26.5 BILLION, OR $6.87 PER SHARE EXCLUDING SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 555.02 653.90 Td ( ITEMS) Tj ET Q BT /F2 10.20 Tf ET BT /F2 6.63 Tf ET q 0 0 0 rg BT 590.44 658.52 Td (1) 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 18.5 640.4 m 18.5 636.4 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 594.5 640.4 m 594.5 636.4 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 18.5 640.4 m 594.5 640.4 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 18.5 636.4 m 594.5 636.4 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 18.00 624.90 Td (FULL-YEAR 2017 RESUL) Tj ET Q q 0 0 0 rg BT 133.76 624.90 Td (TS) Tj ET Q 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 85.50 614.40 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 240.50 614.40 130.00 -33.00 re f /GS0 gs 0.37254901960784315 0.6392156862745098 0.39215686274509803 rg /GS0 gs 395.50 614.40 130.00 -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 127.75 601.82 Td (ROE 10) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 163.32 601.82 Td (%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 120.65 588.82 Td (ROTCE) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 155.65 593.59 Td (1) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 159.26 588.82 Td (12%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 250.75 600.32 Td (Common equity T) Tj ET Q q 1 1 1 rg BT 335.01 600.32 Td (ier 1) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 355.58 605.09 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 290.80 590.32 Td (12.1%) Tj ET Q BT /F3 10.00 Tf ET q 1 1 1 rg BT 418.35 600.32 Td (Net payout L) Tj ET Q q 1 1 1 rg BT 478.16 600.32 Td (TM) Tj ET Q BT /F3 10.00 Tf ET BT /F3 6.50 Tf ET q 1 1 1 rg BT 492.60 605.09 Td (2,3) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 449.95 590.32 Td (98%) 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 527.00 581.90 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 18.00 559.10 Td (FOUR) Tj ET Q q 0 0 0 rg BT 45.98 559.10 Td (TH-QUAR) Tj ET Q q 0 0 0 rg BT 92.85 559.10 Td (TER 2017 RESUL) Tj ET Q q 0 0 0 rg BT 170.84 559.10 Td (TS) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 183.07 563.63 Td (4) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 19.50 548.60 71.00 -37.00 re f /GS0 gs 0 0.403921568627451 0.7607843137254902 rg /GS0 gs 19.50 502.60 71.00 -63.00 re f /GS0 gs 0.32941176470588235 0.18823529411764706 0.10196078431372549 rg /GS0 gs 19.50 430.60 71.00 -46.00 re f /GS0 gs 0.6705882352941176 0.5137254901960784 0.35294117647058826 rg /GS0 gs 19.50 375.60 71.00 -45.00 re f /GS0 gs 0.5176470588235295 0.29411764705882354 0.1568627450980392 rg /GS0 gs 19.50 321.60 71.00 -47.00 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 32.55 533.52 Td (Firmwide) Tj ET Q BT /F4 10.00 Tf ET q 1 1 1 rg BT 36.95 521.52 Td (Metrics) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 536.34 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 104.00 539.86 Td (Reported revenue of $24.2 billion; managed revenue ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 530.86 Td (of $25.5 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 159.75 534.94 Td (1) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 514.34 cm /I2 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 517.86 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 517.86 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 172.80 521.94 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.18 517.86 Td (up 6% ) Tj ET Q q 0 0 0 rg BT 202.35 517.86 Td (Y) Tj ET Q q 0 0 0 rg BT 207.95 517.86 Td (oY) Tj ET Q q 0 0 0 rg BT 218.61 517.86 Td ( and 2% 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 43.65 484.42 Td (CCB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 25.80 461.88 Td (4Q17 ROE 19% ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 26.70 452.28 Td (2017 ROE 17%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 490.34 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 104.00 493.86 Td (A) Tj ET Q q 0 0 0 rg BT 109.83 493.86 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 172.80 497.94 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.18 493.86 Td (up 8%; average deposits of $652 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 483.06 Td (billion, up 7%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 466.34 cm /I4 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 469.86 Td (Client investment assets of $273 billion, up 17%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 451.34 cm /I5 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 453.77 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 193.22 457.84 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.15 453.77 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.65 453.77 Td (and merchant processing ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 444.46 Td (volume each 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 45.85 418.12 Td (CIB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 25.80 399.58 Td (4Q17 ROE 12% ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 26.70 391.58 Td (2017 ROE 14%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 418.34 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 104.00 421.86 Td (Maintained #1 ranking for Global Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 411.06 Td (Banking fees with 8.1% wallet share for the year) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 394.34 cm /I7 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 397.86 Td (T) Tj ET Q q 0 0 0 rg BT 109.18 397.86 Td (reasury Services revenue, up 13%; Securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 387.06 Td (Services revenue, up 14%) 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 47.25 363.62 Td (CB) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 25.80 345.08 Td (4Q17 ROE 18% ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 26.70 337.08 Td (2017 ROE 17%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 363.34 cm /I8 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 365.86 Td (Record revenue of $2.4 billion, up 20%; record net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 355.06 Td (income of $957 million, up 39%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 337.34 cm /I9 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 340.86 Td (A) Tj ET Q q 0 0 0 rg BT 110.17 340.86 Td (verage loan balances of $203 billion, up 7%) 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 42.25 311.42 Td (A) Tj ET Q q 1 1 1 rg BT 48.92 311.42 Td (WM) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 25.80 288.88 Td (4Q17 ROE 28% ) Tj ET Q BT /F3 8.00 Tf ET q 1 1 1 rg BT 26.70 279.28 Td (2017 ROE 25%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 309.34 cm /I10 Do Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.00 312.86 Td (Record revenue of $3.4 billion, up 9%; net income of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 302.06 Td ($654 million, up 12%) Tj ET Q /GS0 gs q 7.47 0 0 9.76 93.00 285.34 cm /I11 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 288.86 Td (Record assets under management \(AUM\) of $2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 104.00 278.06 Td (trillion, up 15%) Tj ET Q BT /F1 10.00 Tf ET 0.9215686274509803 0.9490196078431372 0.9607843137254902 rg /GS0 gs 319.50 548.60 260.00 -277.00 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 319.5 548.6 m 319.5 271.6 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 579.5 548.6 m 579.5 271.6 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 548.6 m 579.5 548.6 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 271.6 m 579.5 271.6 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 533.96 Td (Jamie Dimon, Chairman and CEO, commented on the financial ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 524.96 Td (results: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 350.25 524.96 Td (?017 was a r) Tj ET Q q 0 0 0 rg BT 401.68 524.96 Td (ecor) Tj ET Q q 0 0 0 rg BT 417.33 524.96 Td (d year on many measur) Tj ET Q q 0 0 0 rg BT 501.49 524.96 Td (es for JPMor) Tj ET Q q 0 0 0 rg BT 548.64 524.96 Td (gan ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 515.95 Td (Chase as we added clients and customers and deliver) Tj ET Q q 0 0 0 rg BT 514.14 515.95 Td (ed r) Tj ET Q q 0 0 0 rg BT 528.05 515.95 Td (ecor) Tj ET Q q 0 0 0 rg BT 543.71 515.95 Td (d EPS. ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 506.95 Td (W) Tj ET Q q 0 0 0 rg BT 328.67 506.95 Td (e had healthy gr) Tj ET Q q 0 0 0 rg BT 387.07 506.95 Td (owth in T) Tj ET Q q 0 0 0 rg BT 420.59 506.95 Td (r) Tj ET Q q 0 0 0 rg BT 423.76 506.95 Td (easury Services, Securities Services and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 497.95 Td (Investment Banking ?we wer) Tj ET Q q 0 0 0 rg BT 427.64 497.95 Td (e #1 in IB fees globally) Tj ET Q q 0 0 0 rg BT 510.37 497.95 Td (, a r) Tj ET Q q 0 0 0 rg BT 524.79 497.95 Td (ecor) Tj ET Q q 0 0 0 rg BT 540.45 497.95 Td (d for the ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 488.95 Td (firm. Commer) Tj ET Q q 0 0 0 rg BT 372.17 488.95 Td (cial Banking and ) Tj ET Q q 0 0 0 rg BT 435.74 488.95 Td (Asset & W) Tj ET Q q 0 0 0 rg BT 472.91 488.95 Td (ealth Management ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 479.95 Td (generated r) Tj ET Q q 0 0 0 rg BT 363.41 479.95 Td (ecor) Tj ET Q q 0 0 0 rg BT 379.06 479.95 Td (d r) Tj ET Q q 0 0 0 rg BT 388.98 479.95 Td (evenue and net income. The Commer) Tj ET Q q 0 0 0 rg BT 522.11 479.95 Td (cial Bank ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 470.95 Td (earned a r) Tj ET Q q 0 0 0 rg BT 359.16 470.95 Td (ecor) Tj ET Q q 0 0 0 rg BT 374.82 470.95 Td (d $2.3 billion of IB r) Tj ET Q q 0 0 0 rg BT 448.48 470.95 Td (evenue and continued to add ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 461.95 Td (bankers and offices and now has offices in each of the top 50 MSAs. ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 452.95 Td (In ) Tj ET Q q 0 0 0 rg BT 331.58 452.95 Td (Asset & W) Tj ET Q q 0 0 0 rg BT 368.75 452.95 Td (ealth Management, loans and ) Tj ET Q q 0 0 0 rg BT 477.83 452.95 Td (AUM wer) Tj ET Q q 0 0 0 rg BT 512.74 452.95 Td (e up, 9% and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 443.95 Td (15%, to r) Tj ET Q q 0 0 0 rg BT 355.42 443.95 Td (ecor) Tj ET Q q 0 0 0 rg BT 371.07 443.95 Td (d levels, and we br) Tj ET Q q 0 0 0 rg BT 438.48 443.95 Td (ought in $68 billion of long-term net ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 434.95 Td (flows. Consumer & Community Banking ?which now r) Tj ET Q q 0 0 0 rg BT 520.92 434.95 Td (eaches 61 ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 425.95 Td (million households ?gr) Tj ET Q q 0 0 0 rg BT 406.92 425.95 Td (ew cor) Tj ET Q q 0 0 0 rg BT 430.83 425.95 Td (e loans and deposits 9% each, and had ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 416.95 Td (r) Tj ET Q q 0 0 0 rg BT 325.17 416.95 Td (ecor) Tj ET Q q 0 0 0 rg BT 340.83 416.95 Td (d mer) Tj ET Q q 0 0 0 rg BT 361.24 416.95 Td (chant pr) Tj ET Q q 0 0 0 rg BT 391.15 416.95 Td (ocessing volume of $1.2 trillion.? Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 398.96 Td (Dimon added: ? Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 379.48 398.96 Td (The company maintained its fortr) Tj ET Q q 0 0 0 rg BT 499.64 398.96 Td (ess balance sheet, ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 389.95 Td (discipline and client focus. Operating fr) Tj ET Q q 0 0 0 rg BT 465.65 389.95 Td (om this position of str) Tj ET Q q 0 0 0 rg BT 543.83 389.95 Td (ength ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 380.95 Td (allowed us to extend cr) Tj ET Q q 0 0 0 rg BT 405.15 380.95 Td (edit and raise capital of $2.3 trillion for U.S. ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 371.95 Td (consumers, businesses and institutional clients, while r) Tj ET Q q 0 0 0 rg BT 519.66 371.95 Td (eturning $22 ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 362.95 Td (billion to shar) Tj ET Q q 0 0 0 rg BT 372.67 362.95 Td (eholders.?) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 344.96 Td (Dimon concluded: ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 390.99 344.96 Td (The enactment of tax r) Tj ET Q q 0 0 0 rg BT 476.64 344.96 Td (eform in the fourth quarter ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 335.95 Td (is a significant positive outcome for the country) Tj ET Q q 0 0 0 rg BT 493.23 335.95 Td (. U.S. companies will ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 326.95 Td (be mor) Tj ET Q q 0 0 0 rg BT 346.91 326.95 Td (e competitive globally) Tj ET Q q 0 0 0 rg BT 425.89 326.95 Td (, which will ultimately benefit all ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 317.95 Td (Americans. The cumulative effect of r) Tj ET Q q 0 0 0 rg BT 456.63 317.95 Td (etained and r) Tj ET Q q 0 0 0 rg BT 504.29 317.95 Td (einvested capital in ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 308.95 Td (the U.S. will help gr) Tj ET Q q 0 0 0 rg BT 394.16 308.95 Td (ow the economy) Tj ET Q q 0 0 0 rg BT 451.65 308.95 Td (, ultimately gr) Tj ET Q q 0 0 0 rg BT 502.06 308.95 Td (owing jobs and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 299.95 Td (wages. W) Tj ET Q q 0 0 0 rg BT 355.67 299.95 Td (e have always invested, even in difficult times, in our ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 290.95 Td (employees, customers and communities, and as a r) Tj ET Q q 0 0 0 rg BT 504.39 290.95 Td (esult of the tax plan ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 322.00 281.95 Td (we will be incr) Tj ET Q q 0 0 0 rg BT 374.91 281.95 Td (easing and accelerating some of these investments.?) 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 17.5 264.6 m 17.5 259.6 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 593.5 264.6 m 593.5 259.6 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 17.5 264.6 m 593.5 264.6 l s 0.6745098039215687 0.6745098039215687 0.6745098039215687 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 17.5 259.6 m 593.5 259.6 l s BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 241.70 Td (SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 77.85 241.70 Td ( ITEMS) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 228.05 cm /I12 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 229.90 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 229.90 Td (4Q17 results include $2.4 billion estimated) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 184.98 233.98 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.90 229.90 Td ( net impact of the ) Tj ET Q q 0 0 0 rg BT 252.97 229.90 Td (T) Tj ET Q q 0 0 0 rg BT 257.84 229.90 Td (ax Cuts and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 219.10 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 47.76 219.10 Td (Act \($0.69 per share decrease in earnings\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 200.70 Td (FOR) Tj ET Q q 0 0 0 rg BT 36.68 200.70 Td (TRESS PRINCIPLES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 187.05 cm /I13 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 188.90 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 188.90 Td (Book value per share of $67.04, up 5%; tangible book value per share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 281.43 192.98 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.82 188.90 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 178.10 Td ($53.56, up 4%) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 164.45 cm /I14 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 166.30 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 166.30 Td (Basel III common equity ) Tj ET Q q 0 0 0 rg BT 121.81 166.30 Td (T) Tj ET Q q 0 0 0 rg BT 127.00 166.30 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 169.47 170.38 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.86 166.30 Td (of $184 billion and ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 261.35 170.38 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.27 166.30 Td ( of 12.1% ) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 152.65 cm /I15 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 154.50 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 154.50 Td (Firm SLR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.26 158.58 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 69.18 154.50 Td ( of 6.5%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 18.00 136.05 Td (OPERA) Tj ET Q q 0 0 0 rg BT 48.83 136.05 Td (TING LEVERAGE) Tj ET Q /GS0 gs q 6.72 0 0 9.78 18.00 122.40 cm /I16 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 24.72 124.25 Td ( ) Tj ET Q q 0 0 0 rg BT 30.00 124.25 Td (4Q17 reported expense of $14.6 billion; reported overhead ratio of 60%; ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 30.00 113.45 Td (4Q17 adjusted expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 113.48 117.53 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 116.40 113.45 Td ( of $14.8 billion; adjusted overhead ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 263.12 117.53 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.51 113.45 Td (of 58%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 243.30 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 333.33 243.30 Td (AL) Tj ET Q q 0 0 0 rg BT 345.34 243.30 Td ( RETURN) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 229.65 cm /I17 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 231.50 Td ( ) Tj ET Q q 0 0 0 rg BT 318.00 231.50 Td ($6.7 billion) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 359.50 235.58 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.43 231.50 Td ( returned to shareholders in 4Q17) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 217.85 cm /I18 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 219.70 Td ( ) Tj ET Q q 0 0 0 rg BT 328.50 219.70 Td ($4.7 billion of net repurchases and common dividend of $0.56 per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 201.30 Td (SUPPOR) Tj ET Q q 0 0 0 rg BT 341.68 201.30 Td (TED CONSUMERS, BUSINESSES & COMMUNITIES) Tj ET Q /GS0 gs q 6.72 0 0 9.78 306.00 188.65 cm /I19 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.72 190.50 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 190.50 Td ($2.3 trillion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 190.50 Td ( of credit and capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 436.46 194.58 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.39 190.50 Td ( raised in 2017) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 175.85 cm /I20 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 177.70 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 177.70 Td ($258 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 177.70 Td ( of credit for consumers) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 164.05 cm /I21 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 165.90 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 165.90 Td ($22 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 165.90 Td ( of credit for U.S. small businesses) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 152.25 cm /I22 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 154.10 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 154.10 Td ($817 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.26 154.10 Td ( of credit for corporations) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 140.45 cm /I23 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 142.30 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 142.30 Td ($1.1 trillion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 142.30 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 328.50 131.50 Td (government entities) Tj ET Q /GS0 gs q 6.72 0 0 9.78 315.00 117.85 cm /I24 Do Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.72 119.70 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 119.70 Td ($92 billion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.76 119.70 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 328.50 108.90 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 /I25 Do Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (In the discussion below of Firmwide r) Tj ET Q q 0 0 0 rg BT 200.79 742.10 Td (esults of JPMor) Tj ET Q q 0 0 0 rg BT 263.74 742.10 Td (gan Chase & Co. \(JPMor) Tj ET Q q 0 0 0 rg BT 371.98 742.10 Td (gan Chase?or the Firm\), information 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 on a managed basis, which is a non-GAAP) Tj ET Q q 0 0 0 rg BT 261.98 730.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 331.60 730.10 Td (e. The discussion below of the Firm? Tj ET Q q 0 0 0 rg BT 476.14 730.10 Td (s business segments ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (is also pr) Tj ET Q q 0 0 0 rg BT 86.36 718.10 Td (esented on a managed basis. For mor) Tj ET Q q 0 0 0 rg BT 236.81 718.10 Td (e information about managed basis, and non-GAAP) Tj ET Q q 0 0 0 rg BT 444.67 718.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 514.29 718.10 Td (es and key ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (performance measur) Tj ET Q q 0 0 0 rg BT 132.17 706.10 Td (es used by management to evaluate the performance of each line of business, see page 5.) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 688.10 Td (Comparisons noted in the sections below ar) Tj ET Q q 0 0 0 rg BT 224.68 688.10 Td (e calculated for the fourth quarter of 2017 versus the prior) Tj ET Q q 0 0 0 rg BT 460.01 688.10 Td (-year fourth quarter) Tj ET Q q 0 0 0 rg BT 539.45 688.10 Td (, ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 49.50 676.10 Td (unless otherwise specified.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 665.60 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 657.95 136.87 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 650.50 Td (JPMORGAN CHASE \(JPM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (Net revenue on a reported basis totaled $24.2 billion, $25.3 billion, and $23.4 billion for the fourth quarter of 2017, third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (quarter of 2017, and fourth quarter of 2016, respectively) Tj ET Q q 0 0 0 rg BT 274.33 622.10 Td (.) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 611.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 611.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 611.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 611.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 611.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 611.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 611.60 90.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 595.60 163.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 213.00 595.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 264.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 268.00 595.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 319.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 323.00 595.60 51.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 595.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 595.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 595.60 4.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 595.60 45.00 -16.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 595.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 531.60 163.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 213.00 531.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 264.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 268.00 531.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 319.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 323.00 531.60 51.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 531.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 531.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 531.60 4.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 531.60 45.00 -16.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 531.60 45.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 595.6 m 423 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 595.6 m 468 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 595.6 m 472 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 595.6 m 517 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 595.6 m 562 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 579.6 m 213 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 595.6 m 264 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213 579.6 m 264 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 595.6 m 268 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 579.6 m 268 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 595.6 m 319 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 579.6 m 319 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 595.6 m 323 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 579.6 m 323 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 595.6 m 374 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 579.6 m 374 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 595.6 m 378 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 579.6 m 378 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 595.6 m 423 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 579.6 m 423 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 579.6 m 468 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 579.6 m 472 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 579.6 m 517 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 579.6 m 562 579.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 531.6 m 264 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 531.6 m 319 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 531.6 m 374 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 531.6 m 468 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 531.6 m 562 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 531.6 m 213 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 515.6 m 213 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 531.6 m 264 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 515.6 m 264 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 531.6 m 268 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 515.6 m 268 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 531.6 m 319 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 515.6 m 319 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 531.6 m 323 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 515.6 m 323 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 531.6 m 374 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 515.6 m 374 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 531.6 m 378 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 515.6 m 378 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 531.6 m 423 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 515.6 m 423 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 531.6 m 468 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 515.6 m 468 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 531.6 m 472 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 515.6 m 472 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 531.6 m 517 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 515.6 m 517 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 531.6 m 562 531.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 515.6 m 562 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 499.6 m 213 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 515.6 m 264 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 499.6 m 264 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 499.6 m 268 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 515.6 m 319 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 499.6 m 319 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 515.6 m 323 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 499.6 m 323 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 515.6 m 374 515.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 499.6 m 374 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 499.6 m 378 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 499.6 m 423 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 515.6 m 468 515.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 499.6 m 468 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 499.6 m 472 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 499.6 m 517 499.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 515.6 m 562 515.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 499.6 m 562 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 483.6 m 213 483.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 499.6 m 264 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 483.6 m 264 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 499.6 m 268 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 483.6 m 268 483.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 499.6 m 319 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 483.6 m 319 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 499.6 m 323 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 483.6 m 323 483.6 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 499.6 m 374 499.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 483.6 m 374 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 483.6 m 378 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 483.6 m 423 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 483.6 m 468 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 483.6 m 472 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 483.6 m 517 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 483.6 m 562 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 467.6 m 213 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 483.6 m 264 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 213 467.6 m 264 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 264 467.6 m 268 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 483.6 m 319 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 268 467.6 m 319 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 319 467.6 m 323 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 483.6 m 374 483.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 323 467.6 m 374 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 467.6 m 378 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 467.6 m 423 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 467.6 m 468 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 467.6 m 472 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 467.6 m 517 467.6 l s 0.4980392156862745 0.4980392156862745 0.4980392156862745 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 467.6 m 562 467.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 600.27 Td (Results for JPM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 600.27 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 600.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 584.27 Td (\($millions, except per share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 584.27 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.85 584.27 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.85 584.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 584.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 584.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 584.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 584.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 570.17 Td (Net revenue - managed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 568.27 Td (25,450) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 568.27 Td (26,200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 568.27 Td (24,333) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 568.32 Td (\(750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 568.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 568.27 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 568.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 568.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 568.27 Td (1,1) Tj ET Q q 0 0 0 rg BT 503.15 568.27 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 568.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 568.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 554.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.60 552.27 Td (14,591) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 552.27 Td (14,318) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 552.27 Td (13,833) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 552.27 Td (273) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 552.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 552.27 Td (758) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 552.27 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 538.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 536.27 Td (1,308) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 536.27 Td (1,452) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 536.27 Td (864) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 536.32 Td (\(144) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 536.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 536.27 Td (\(10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 536.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 536.27 Td (444) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 536.27 Td (51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 522.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.65 520.27 Td (4,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 520.27 Td (6,732) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 520.27 Td (6,727) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 520.32 Td (\(2,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 520.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 520.27 Td (\(37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 520.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 520.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.30 520.32 Td (\(2,495) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 520.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 520.27 Td (\(37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 520.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 506.17 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.65 504.27 Td (1.07) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 504.27 Td (1.76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 504.27 Td (1.71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 504.32 Td (\(0.69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 504.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 504.27 Td (\(39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 504.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 504.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.30 504.32 Td (\(0.64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 504.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 504.27 Td (\(37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 504.27 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 490.17 Td (Return on common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.15 488.27 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 488.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 488.27 Td (1) Tj ET Q q 0 0 0 rg BT 305.15 488.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.15 488.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 488.27 Td (1) Tj ET Q q 0 0 0 rg BT 360.15 488.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.15 488.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 474.17 Td (Return on tangible common equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.15 472.27 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 472.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 472.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 450.10 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.10 Td (Net income was $4.2 billion, a decrease of 37% driven by a $2.4 billion impact as a result of the enactment in the fourth quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 420.10 Td (of 2017 of the ) Tj ET Q q 0 0 0 rg BT 108.20 420.10 Td (T) Tj ET Q q 0 0 0 rg BT 113.61 420.10 Td (ax Cuts and Jobs ) Tj ET Q q 0 0 0 rg BT 183.05 420.10 Td (Act \(TCJA\). Excluding the impact of the ) Tj ET Q q 0 0 0 rg BT 357.82 420.10 Td (TCJA, net income would have been $6.7 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 408.10 Td (down 1%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.10 Td (Net revenue was $25.5 billion, up 5%. Net interest income was $13.4 billion, up 1) Tj ET Q q 0 0 0 rg BT 377.68 390.10 Td (1%, driven by the net impact of rising rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.10 Td (as well as loan and deposit growth, partially of) Tj ET Q q 0 0 0 rg BT 236.22 378.10 Td (fset by declines in Markets net interest income. Noninterest revenue was $12.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.10 Td (billion, down 1%, driven by lower Markets revenue, lar) Tj ET Q q 0 0 0 rg BT 271.76 366.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 299.63 366.10 Td (fset by growth in auto lease revenue in Consumer & Community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.10 Td (Banking and growth in ) Tj ET Q q 0 0 0 rg BT 143.38 354.10 Td (Asset & ) Tj ET Q q 0 0 0 rg BT 178.20 354.10 Td (W) Tj ET Q q 0 0 0 rg BT 186.84 354.10 Td (ealth Management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.10 Td (Noninterest expense was $14.6 billion, up 5%, driven by higher compensation expense, higher contribution to the Firm? Tj ET Q q 0 0 0 rg BT 528.85 336.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 324.10 Td (Foundation, higher auto lease depreciation and impairment of certain leased equipment in the Commercial Bank, partially of) Tj ET Q q 0 0 0 rg BT 547.49 324.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 312.10 Td (by lower legal expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.10 Td (The provision for credit losses was $1.3 billion, up from $864 million in the prior year) Tj ET Q q 0 0 0 rg BT 394.72 294.10 Td (. ) Tj ET Q q 0 0 0 rg BT 399.54 294.10 Td (The increase reflected modest net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.10 Td (reserve builds in the current quarter of $28 million and $16 million in the ) Tj ET Q q 0 0 0 rg BT 344.81 282.10 Td (Wholesale and Consumer portfolios, respectively) Tj ET Q q 0 0 0 rg BT 541.60 282.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.10 Td (versus net reserve releases in the prior year of $169 million and $247 million in the ) Tj ET Q q 0 0 0 rg BT 384.79 270.10 Td (Wholesale and Consumer portfolios, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 258.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 241.60 511.00 -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 52.50 233.95 239.75 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 226.50 Td (CONSUMER & COMMUNITY) Tj ET Q q 1 1 1 rg BT 203.64 226.50 Td ( BANKING \(CCB\)) Tj ET Q 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 211.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 211.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 211.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 211.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 211.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 211.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 211.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 211.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 211.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 211.60 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 49.50 196.60 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 230.50 196.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 275.50 196.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 279.50 196.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 324.50 196.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 328.50 196.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 373.50 196.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 377.50 196.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 422.50 196.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 467.50 196.60 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 471.50 196.60 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 516.50 196.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 49.50 91.60 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 230.50 91.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 275.50 91.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 279.50 91.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 324.50 91.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 328.50 91.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 373.50 91.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 377.50 91.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 422.50 91.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 467.50 91.60 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 471.50 91.60 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 516.50 91.60 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 196.60000000000002 m 422.5 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 196.60000000000002 m 467.5 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 196.60000000000002 m 471.5 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 196.60000000000002 m 516.5 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 196.60000000000002 m 561.5 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 181.60000000000002 m 230.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 181.60000000000002 m 275.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 181.60000000000002 m 279.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 181.60000000000002 m 324.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 181.60000000000002 m 328.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 181.60000000000002 m 373.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 181.60000000000002 m 377.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 181.60000000000002 m 422.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 181.60000000000002 m 467.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 181.60000000000002 m 471.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 181.60000000000002 m 516.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 181.60000000000002 m 275.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 181.60000000000002 m 324.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 181.60000000000002 m 373.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 181.60000000000002 m 467.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 181.60000000000002 m 471.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 181.60000000000002 m 516.5 181.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 181.60000000000002 m 561.5 181.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 91.60000000000002 m 275.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 91.60000000000002 m 324.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 91.60000000000002 m 373.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 91.60000000000002 m 467.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 91.60000000000002 m 561.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 91.60000000000002 m 230.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 49.5 76.60000000000002 m 230.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 91.60000000000002 m 275.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 230.5 76.60000000000002 m 275.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 91.60000000000002 m 279.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 275.5 76.60000000000002 m 279.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 91.60000000000002 m 324.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 279.5 76.60000000000002 m 324.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 91.60000000000002 m 328.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 324.5 76.60000000000002 m 328.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 91.60000000000002 m 373.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 328.5 76.60000000000002 m 373.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 91.60000000000002 m 377.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 373.5 76.60000000000002 m 377.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 91.60000000000002 m 422.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 377.5 76.60000000000002 m 422.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 91.60000000000002 m 467.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 422.5 76.60000000000002 m 467.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 91.60000000000002 m 471.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 467.5 76.60000000000002 m 471.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 91.60000000000002 m 516.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 471.5 76.60000000000002 m 516.5 76.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 91.60000000000002 m 561.5 91.60000000000002 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 516.5 76.60000000000002 m 561.5 76.60000000000002 l s BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 201.27 Td (Results for CCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.85 201.27 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.85 201.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 186.27 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.35 186.27 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.35 186.27 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.35 186.27 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 186.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.10 186.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 186.27 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.10 186.27 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 172.17 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 171.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 171.27 Td (12,070) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 171.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.10 171.27 Td (12,033) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 171.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.10 171.27 Td (1) Tj ET Q q 0 0 0 rg BT 347.10 171.27 Td (1,019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 171.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 171.27 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 171.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 171.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 171.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.15 171.27 Td (1,051) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 171.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 171.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 157.17 Td (Consumer & Business Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 156.27 Td (5,557) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 156.27 Td (5,408) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 156.27 Td (4,774) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 156.27 Td (149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 156.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 156.27 Td (783) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 156.27 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 142.17 Td (Home Lending) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 118.26 146.70 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 141.27 Td (1,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 141.27 Td (1,558) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 141.27 Td (1,690) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 141.32 Td (\(1) Tj ET Q q 0 0 0 rg BT 408.63 141.32 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 141.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 141.32 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 141.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 141.32 Td (\(248) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.65 141.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.30 141.32 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 141.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 127.17 Td (Card, Merchant Services & ) Tj ET Q q 0 0 0 rg BT 169.36 127.17 Td (Auto) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 189.36 131.70 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 126.27 Td (5,071) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 126.27 Td (5,067) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 126.27 Td (4,555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 126.27 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 126.27 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 126.27 Td (516) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 126.27 Td (1) Tj ET Q q 0 0 0 rg BT 547.65 126.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 112.17 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 111.27 Td (6,672) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 111.27 Td (6,495) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 111.27 Td (6,303) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 111.27 Td (177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 111.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 111.27 Td (369) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 111.27 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 97.17 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 96.27 Td (1,231) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 96.27 Td (1,517) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.65 96.27 Td (949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.30 96.32 Td (\(286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 96.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.30 96.32 Td (\(19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 96.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 96.27 Td (282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 96.27 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 82.17 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 81.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 81.27 Td (2,631) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 81.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.15 81.27 Td (2,553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.00 81.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 81.27 Td (2,364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 81.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 81.27 Td (78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 81.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 81.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.00 81.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 81.27 Td (267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 81.27 Td (1) Tj ET Q q 0 0 0 rg BT 547.65 81.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 81.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (3) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 740.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 740.25 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 728.25 Td (Net income was $2.6 billion, an increase of 1) Tj ET Q q 0 0 0 rg BT 230.19 728.25 Td (1%. Net revenue was $12.1 billion, an increase of 10%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (Consumer & Business Banking net revenue was $5.6 billion, up 16%, predominantly driven by higher deposit mar) Tj ET Q q 0 0 0 rg BT 507.86 710.25 Td (gins and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.25 Td (strong deposit growth. Home Lending net revenue was $1.4 billion, down 15%, predominantly driven by lower net servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 686.25 Td (revenue and loan spread compression. Card, Merchant Services & ) Tj ET Q q 0 0 0 rg BT 315.80 686.25 Td (Auto net revenue was $5.1 billion, up 1) Tj ET Q q 0 0 0 rg BT 473.46 686.25 Td (1%, driven by higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (auto lease volumes, net interest income on higher Card loan balances and mar) Tj ET Q q 0 0 0 rg BT 360.60 674.25 Td (gins, and lower Card new account origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (costs net of annual fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.25 Td (Noninterest expense was $6.7 billion, up 6%, predominantly driven by higher auto lease depreciation and business growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 626.25 Td (The provision for credit losses was $1.2 billion, an increase of $282 million, driven by a net reserve build of $15 million in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 614.25 Td (current quarter compared with a net release in the prior year of $250 million. ) Tj ET Q q 0 0 0 rg BT 358.92 614.25 Td (The current quarter reserve build included $200 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 602.25 Td (million in Card driven by loan growth, predominantly of) Tj ET Q q 0 0 0 rg BT 275.67 602.25 Td (fset by reserve releases of $150 million in Home Lending reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 590.25 Td (continued improvement in home prices and delinquencies, and $35 million in ) Tj ET Q q 0 0 0 rg BT 361.10 590.25 Td (Auto.) Tj ET Q BT /F1 10.00 Tf ET 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 573.75 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 566.10 222.06 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 558.65 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 558.65 Td (TE & INVESTMENT) Tj ET Q q 1 1 1 rg BT 210.39 558.65 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 50.00 543.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 543.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 543.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 543.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 543.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 543.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 543.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 543.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 543.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 543.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 528.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 528.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 528.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 528.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 528.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 528.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 528.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 528.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 528.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 528.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 528.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 528.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 438.75 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 438.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 438.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 438.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 438.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 438.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 438.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 438.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 438.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 438.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 438.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 438.75 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 528.75 m 423 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 528.75 m 468 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 528.75 m 472 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 528.75 m 517 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 528.75 m 562 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 513.75 m 231 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 513.75 m 276 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 513.75 m 280 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 513.75 m 325 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 513.75 m 329 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 513.75 m 374 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 513.75 m 378 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 513.75 m 423 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 513.75 m 468 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 513.75 m 472 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 513.75 m 517 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 513.75 m 562 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 513.75 m 276 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 513.75 m 280 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 513.75 m 325 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 513.75 m 329 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 513.75 m 374 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 513.75 m 378 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 513.75 m 423 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 513.75 m 468 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 513.75 m 472 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 513.75 m 517 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 513.75 m 562 513.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 438.75 m 231 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 423.75 m 231 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 438.75 m 276 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 423.75 m 276 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 438.75 m 280 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 423.75 m 280 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 438.75 m 325 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 423.75 m 325 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 438.75 m 329 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 423.75 m 329 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 438.75 m 374 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 423.75 m 374 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 438.75 m 378 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 423.75 m 378 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 438.75 m 423 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 423.75 m 423 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 438.75 m 468 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 423.75 m 468 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 438.75 m 472 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 423.75 m 472 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 438.75 m 517 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 423.75 m 517 423.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 438.75 m 562 438.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 423.75 m 562 423.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 533.42 Td (Results for CIB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 533.42 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 533.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 518.42 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 518.42 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 518.42 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 518.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 518.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 518.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 518.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 518.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 504.32 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 503.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 503.42 Td (7,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 503.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 503.42 Td (8,590) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 503.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 503.42 Td (8,461) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 503.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 503.47 Td (\(1,1) Tj ET Q q 0 0 0 rg BT 409.13 503.47 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 503.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 503.42 Td (\(13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 503.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 503.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 503.47 Td (\(983) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 503.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 503.42 Td (\(12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 503.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 489.32 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 488.42 Td (3,051) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 488.42 Td (3,094) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 488.42 Td (2,783) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 488.47 Td (\(43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 488.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 488.42 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 488.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 488.42 Td (268) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 488.42 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 474.32 Td (Markets & Investor Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 473.42 Td (4,427) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 473.42 Td (5,496) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 473.42 Td (5,678) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 473.47 Td (\(1,069) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 473.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 473.42 Td (\(19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 473.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.30 473.47 Td (\(1,251) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 473.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 473.42 Td (\(22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 473.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 459.32 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 458.42 Td (4,513) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 458.42 Td (4,768) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 458.42 Td (4,172) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 458.47 Td (\(255) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 458.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 458.42 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 458.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 458.42 Td (341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 458.42 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 444.32 Td (Provisionforcreditlosses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 443.42 Td (130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 443.47 Td (\(26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 443.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 443.47 Td (\(198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 443.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 443.42 Td (156) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 443.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 443.42 Td (328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 443.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 429.32 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 428.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 428.42 Td (2,316) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 428.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 428.42 Td (2,546) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 428.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 428.42 Td (3,431) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 428.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 428.47 Td (\(230) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 428.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 428.42 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 428.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 428.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.30 428.47 Td (\(1,1) Tj ET Q q 0 0 0 rg BT 503.13 428.47 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 428.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.45 428.42 Td (\(32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 428.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 406.25 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 389.25 Td (Net income was $2.3 billion, a decrease of 32%. Net revenue was $7.5 billion, down 12%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 372.25 Td (Banking revenue was $3.1 billion, up 10%. Investment Banking revenue was $1.6 billion, up 10%, with strength across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 360.25 Td (products. ) Tj ET Q q 0 0 0 rg BT 88.76 360.25 Td (The business continued to rank #1 in Global Investment Banking fees. ) Tj ET Q q 0 0 0 rg BT 372.41 360.25 Td (T) Tj ET Q q 0 0 0 rg BT 378.17 360.25 Td (reasury Services revenue was $1.1 billion, up ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.25 Td (13%, driven by the impact of higher interest rates and growth in operating deposits. Lending revenue was $336 million, down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.25 Td (3%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 319.25 Td (Markets & Investor Services revenue was $4.4 billion, down 22%, driven by lower Markets revenue, down 26%. Fixed Income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 307.25 Td (Markets revenue was down 34% against a strong prior year) Tj ET Q q 0 0 0 rg BT 286.53 307.25 Td (, driven by continued low volatility) Tj ET Q q 0 0 0 rg BT 426.97 307.25 Td (, tighter credit spreads, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 295.25 Td (impact from the ) Tj ET Q q 0 0 0 rg BT 115.69 295.25 Td (TCJA) Tj ET Q q 0 0 0 rg BT 139.03 295.25 Td ( on tax-oriented investments of $259 million. Excluding the ) Tj ET Q q 0 0 0 rg BT 380.47 295.25 Td (TCJA) Tj ET Q q 0 0 0 rg BT 403.81 295.25 Td ( impact, Fixed Income Markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 283.25 Td (revenue was down 27%. Equity Markets revenue was flat compared to a strong prior year and included the impact of a mark-to-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 271.25 Td (market loss of $143 million on a mar) Tj ET Q q 0 0 0 rg BT 197.35 271.25 Td (gin loan to a single client. Excluding the mark-to-market loss, Equity Markets revenue was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 259.25 Td (up 12%, driven by strength in Prime Services, Cash Equities and corporate derivatives. Securities Services revenue was $1.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 247.25 Td (billion, up 14%, driven by higher interest rates and deposit growth, as well as higher asset-based fees driven by improving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 235.25 Td (market levels.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 218.25 Td (Noninterest expense was $4.5 billion, up 8%, driven by higher compensation expense due to the relative timing of accruals. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 201.25 Td (The provision for credit losses was an expense of $130 million, driven by a reserve build for the same single client. ) Tj ET Q q 0 0 0 rg BT 512.81 201.25 Td (The prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.25 Td (year was a benefit of $198 million, which included a net reserve release in Ener) Tj ET Q q 0 0 0 rg BT 367.81 189.25 Td (gy) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 377.81 193.78 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 189.25 Td (.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 172.75 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 52.50 157.65 Td (COMMERCIAL) Tj ET Q q 1 1 1 rg BT 131.94 157.65 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 50.00 142.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 142.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 142.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 142.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 142.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 142.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 142.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 142.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 142.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 142.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 127.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 127.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 127.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 127.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 127.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 127.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 127.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 127.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 127.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 127.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 127.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 127.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 67.75 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 67.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 67.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 67.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 67.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 67.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 67.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 67.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 67.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 67.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 67.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 67.75 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 127.75 m 423 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 127.75 m 468 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 127.75 m 472 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 127.75 m 517 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 127.75 m 562 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 112.75 m 231 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 112.75 m 276 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 112.75 m 280 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 112.75 m 325 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 112.75 m 329 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 112.75 m 374 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 112.75 m 378 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 112.75 m 423 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 112.75 m 468 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 112.75 m 472 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 112.75 m 517 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 112.75 m 562 112.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 112.75 m 276 112.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 67.75 m 231 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 52.75 m 231 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 67.75 m 276 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 52.75 m 276 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 67.75 m 280 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 52.75 m 280 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 67.75 m 325 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 52.75 m 325 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 67.75 m 329 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 52.75 m 329 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 67.75 m 374 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 52.75 m 374 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 67.75 m 378 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 52.75 m 378 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 67.75 m 423 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 52.75 m 423 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 67.75 m 468 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 52.75 m 468 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 67.75 m 472 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 52.75 m 472 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 67.75 m 517 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 52.75 m 517 52.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 67.75 m 562 67.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 52.75 m 562 52.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 132.42 Td (Results for CB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 132.42 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 132.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 117.42 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 117.42 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 117.42 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 117.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 117.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 117.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 117.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 117.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 103.32 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 102.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 102.42 Td (2,353) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 102.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 102.42 Td (2,146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 102.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 102.42 Td (1,963) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 102.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 102.42 Td (207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 102.42 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 102.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 102.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 102.42 Td (390) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 102.42 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 102.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 88.32 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 87.42 Td (912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 87.42 Td (800) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 87.42 Td (744) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 87.42 Td (1) Tj ET Q q 0 0 0 rg BT 409.15 87.42 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 87.42 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 87.42 Td (168) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 87.42 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 73.32 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.80 72.42 Td (\(62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 72.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 72.47 Td (\(47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 72.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 72.42 Td (124) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 72.47 Td (\(15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 72.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 72.47 Td (\(32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 72.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 72.47 Td (\(186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 72.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 72.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 58.32 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 57.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 57.42 Td (957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 57.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 57.42 Td (881) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 57.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 57.42 Td (687) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 57.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 57.42 Td (76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 57.42 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 57.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 57.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 57.42 Td (270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 57.42 Td (39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 57.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (4) Tj ET Q BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 97.01 740.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 740.25 Td (Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 722.25 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 722.25 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 722.25 Td ($957 ) Tj ET Q q 0 0 0 rg BT 138.92 722.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 722.25 Td (an ) Tj ET Q q 0 0 0 rg BT 184.75 722.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.01 722.25 Td (of ) Tj ET Q q 0 0 0 rg BT 230.84 722.25 Td (39%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 704.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.73 704.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 101.17 704.25 Td (was ) Tj ET Q q 0 0 0 rg BT 119.52 704.25 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 139.81 704.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 171.22 704.25 Td (up ) Tj ET Q q 0 0 0 rg BT 184.02 704.25 Td (20%, ) Tj ET Q q 0 0 0 rg BT 207.64 704.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 235.98 704.25 Td (by ) Tj ET Q q 0 0 0 rg BT 248.78 704.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 277.12 704.25 Td (net ) Tj ET Q q 0 0 0 rg BT 292.13 704.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 324.36 704.25 Td (income ) Tj ET Q q 0 0 0 rg BT 356.58 704.25 Td (due ) Tj ET Q q 0 0 0 rg BT 373.82 704.25 Td (to ) Tj ET Q q 0 0 0 rg BT 384.39 704.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 412.73 704.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 444.41 704.25 Td (spreads ) Tj ET Q q 0 0 0 rg BT 477.20 704.25 Td (and ) Tj ET Q q 0 0 0 rg BT 494.43 704.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 514.44 704.25 Td (growth, ) Tj ET Q q 0 0 0 rg BT 548.07 704.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (included ) Tj ET Q q 0 0 0 rg BT 85.54 692.25 Td (a ) Tj ET Q q 0 0 0 rg BT 91.58 692.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 120.95 692.25 Td (of ) Tj ET Q q 0 0 0 rg BT 130.88 692.25 Td ($1) Tj ET Q q 0 0 0 rg BT 140.51 692.25 Td (15 ) Tj ET Q q 0 0 0 rg BT 152.11 692.25 Td (million ) Tj ET Q q 0 0 0 rg BT 182.61 692.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 209.76 692.25 Td (by ) Tj ET Q q 0 0 0 rg BT 221.37 692.25 Td (the ) Tj ET Q q 0 0 0 rg BT 235.19 692.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 264.00 692.25 Td (of ) Tj ET Q q 0 0 0 rg BT 273.94 692.25 Td (the ) Tj ET Q q 0 0 0 rg BT 287.64 692.25 Td (TCJA) Tj ET Q q 0 0 0 rg BT 310.98 692.25 Td ( ) Tj ET Q q 0 0 0 rg BT 312.58 692.25 Td (on ) Tj ET Q q 0 0 0 rg BT 324.19 692.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 353.00 692.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 402.37 692.25 Td (that ) Tj ET Q q 0 0 0 rg BT 418.97 692.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 449.44 692.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 463.26 692.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 491.52 692.25 Td (in ) Tj ET Q q 0 0 0 rg BT 500.90 692.25 Td (the ) Tj ET Q q 0 0 0 rg BT 514.72 692.25 Td (Community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 680.25 Td (Development ) Tj ET Q q 0 0 0 rg BT 105.87 680.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 142.26 680.25 Td (business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 97.84 662.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 131.74 662.25 Td (was ) Tj ET Q q 0 0 0 rg BT 148.98 662.25 Td ($912 ) Tj ET Q q 0 0 0 rg BT 170.66 662.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 203.74 662.25 Td (up ) Tj ET Q q 0 0 0 rg BT 215.43 662.25 Td (23%, ) Tj ET Q q 0 0 0 rg BT 237.94 662.25 Td (including ) Tj ET Q q 0 0 0 rg BT 277.41 662.25 Td (an ) Tj ET Q q 0 0 0 rg BT 288.53 662.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 336.32 662.25 Td (of ) Tj ET Q q 0 0 0 rg BT 346.33 662.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 405.78 662.25 Td ($100 ) Tj ET Q q 0 0 0 rg BT 427.47 662.25 Td (million ) Tj ET Q q 0 0 0 rg BT 458.04 662.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 496.94 662.25 Td (on ) Tj ET Q q 0 0 0 rg BT 508.63 662.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 537.52 662.25 Td (leased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 650.25 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 96.37 650.25 Td (which ) Tj ET Q q 0 0 0 rg BT 122.97 650.25 Td (is ) Tj ET Q q 0 0 0 rg BT 131.80 650.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 169.50 650.25 Td (to ) Tj ET Q q 0 0 0 rg BT 179.43 650.25 Td (be ) Tj ET Q q 0 0 0 rg BT 191.03 650.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 209.86 650.25 Td (in ) Tj ET Q q 0 0 0 rg BT 219.80 650.25 Td (the ) Tj ET Q q 0 0 0 rg BT 234.18 650.25 Td (first ) Tj ET Q q 0 0 0 rg BT 252.45 650.25 Td (half ) Tj ET Q q 0 0 0 rg BT 270.16 650.25 Td (of ) Tj ET Q q 0 0 0 rg BT 280.65 650.25 Td (2018. ) Tj ET Q q 0 0 0 rg BT 305.31 650.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 354.12 650.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 388.49 650.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 430.09 650.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.46 650.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 473.84 650.25 Td (of ) Tj ET Q q 0 0 0 rg BT 484.33 650.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.70 650.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 546.96 650.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 638.25 Td (up ) Tj ET Q q 0 0 0 rg BT 62.00 638.25 Td (9%, ) Tj ET Q q 0 0 0 rg BT 80.33 638.25 Td (lar) Tj ET Q q 0 0 0 rg BT 90.70 638.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 110.41 638.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 138.46 638.25 Td (by ) Tj ET Q q 0 0 0 rg BT 150.96 638.25 Td (the ) Tj ET Q q 0 0 0 rg BT 165.68 638.25 Td (hiring ) Tj ET Q q 0 0 0 rg BT 192.06 638.25 Td (of ) Tj ET Q q 0 0 0 rg BT 202.89 638.25 Td (bankers ) Tj ET Q q 0 0 0 rg BT 236.49 638.25 Td (and ) Tj ET Q q 0 0 0 rg BT 253.43 638.25 Td (business-related ) Tj ET Q q 0 0 0 rg BT 320.35 638.25 Td (support ) Tj ET Q q 0 0 0 rg BT 352.85 638.25 Td (staf) Tj ET Q q 0 0 0 rg BT 367.11 638.25 Td (f, ) Tj ET Q q 0 0 0 rg BT 375.44 638.25 Td (and ) Tj ET Q q 0 0 0 rg BT 392.38 638.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 442.65 638.25 Td (in ) Tj ET Q q 0 0 0 rg BT 452.93 638.25 Td (technology) Tj ET Q q 0 0 0 rg BT 496.72 638.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 620.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.76 620.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.25 620.25 Td (for ) Tj ET Q q 0 0 0 rg BT 122.62 620.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.09 620.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 174.70 620.25 Td (was ) Tj ET Q q 0 0 0 rg BT 192.96 620.25 Td (a ) Tj ET Q q 0 0 0 rg BT 200.11 620.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 230.59 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 241.63 620.25 Td ($62 ) Tj ET Q q 0 0 0 rg BT 259.34 620.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 293.44 620.25 Td (lar) Tj ET Q q 0 0 0 rg BT 303.81 620.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 323.74 620.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 351.99 620.25 Td (by ) Tj ET Q q 0 0 0 rg BT 364.71 620.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 396.28 620.25 Td (releases ) Tj ET Q q 0 0 0 rg BT 430.64 620.25 Td (in ) Tj ET Q q 0 0 0 rg BT 441.13 620.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.06 620.25 Td (Oil ) Tj ET Q q 0 0 0 rg BT 471.55 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 488.70 620.25 Td (Gas ) Tj ET Q q 0 0 0 rg BT 506.96 620.25 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 546.97 620.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 608.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 71.44 608.25 Td (year ) Tj ET Q q 0 0 0 rg BT 91.15 608.25 Td (was ) Tj ET Q q 0 0 0 rg BT 109.20 608.25 Td (an ) Tj ET Q q 0 0 0 rg BT 121.14 608.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 155.84 608.25 Td (of ) Tj ET Q q 0 0 0 rg BT 166.67 608.25 Td ($124 ) Tj ET Q q 0 0 0 rg BT 189.17 608.25 Td (million ) Tj ET Q q 0 0 0 rg BT 220.56 608.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 248.61 608.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.11 608.25 Td (select ) Tj ET Q q 0 0 0 rg BT 286.38 608.25 Td (client ) Tj ET Q q 0 0 0 rg BT 311.09 608.25 Td (downgrades.) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 591.75 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 52.50 584.10 221.46 -9.82 re f /GS0 gs q 1 1 1 rg BT 52.50 576.65 Td (ASSET) Tj ET Q q 1 1 1 rg BT 87.15 576.65 Td ( & ) Tj ET Q q 1 1 1 rg BT 101.62 576.65 Td (WEAL) Tj ET Q q 1 1 1 rg BT 134.23 576.65 Td (TH MANAGEMENT) Tj ET Q q 1 1 1 rg BT 235.78 576.65 Td ( \(A) Tj ET Q q 1 1 1 rg BT 248.92 576.65 Td (WM\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 561.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 561.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 561.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 561.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 561.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 561.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 561.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 561.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 561.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 561.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 546.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 546.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 546.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 546.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 546.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 546.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 546.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 546.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 546.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 546.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 546.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 546.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 486.75 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 486.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 486.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 486.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 486.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 486.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 486.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 486.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 486.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 486.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 486.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 486.75 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 546.75 m 423 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 546.75 m 468 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 546.75 m 472 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 546.75 m 517 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 546.75 m 562 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 531.75 m 231 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 531.75 m 276 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 531.75 m 280 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 531.75 m 325 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 531.75 m 329 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 531.75 m 374 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 531.75 m 378 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 531.75 m 423 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 531.75 m 468 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 531.75 m 472 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 531.75 m 517 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 531.75 m 562 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 531.75 m 276 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 531.75 m 325 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 531.75 m 374 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 531.75 m 468 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 531.75 m 562 531.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 486.75 m 276 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 486.75 m 325 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 486.75 m 374 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 486.75 m 468 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 486.75 m 562 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 486.75 m 231 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 471.75 m 231 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 486.75 m 276 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 471.75 m 276 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 486.75 m 280 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 471.75 m 280 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 486.75 m 325 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 471.75 m 325 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 486.75 m 329 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 471.75 m 329 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 486.75 m 374 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 471.75 m 374 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 486.75 m 378 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 471.75 m 378 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 486.75 m 423 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 471.75 m 423 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 486.75 m 468 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 471.75 m 468 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 486.75 m 472 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 471.75 m 472 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 486.75 m 517 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 471.75 m 517 471.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 486.75 m 562 486.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 471.75 m 562 471.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 551.42 Td (Results for ) Tj ET Q q 0 0 0 rg BT 98.33 551.42 Td (A) Tj ET Q q 0 0 0 rg BT 104.88 551.42 Td (WM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 551.42 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 551.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 536.42 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 536.42 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 536.42 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 536.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 536.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 536.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 536.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 536.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 522.32 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 521.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 521.42 Td (3,374) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 521.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 521.42 Td (3,245) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 521.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 521.42 Td (3,087) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 521.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 521.42 Td (129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 521.42 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 521.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 521.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 521.42 Td (287) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 521.42 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 521.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 507.32 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 506.42 Td (2,348) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 506.42 Td (2,181) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 506.42 Td (2,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 506.42 Td (167) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.80 506.42 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 506.42 Td (173) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 506.42 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 492.32 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.15 491.42 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 491.42 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.80 491.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 365.13 491.47 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 491.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 491.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 491.42 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 491.42 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 491.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 477.32 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 476.42 Td (654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 476.42 Td (674) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 476.42 Td (586) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 476.47 Td (\(20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 476.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 476.42 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 476.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 476.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 476.42 Td (68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 476.42 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 476.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 454.25 Td (Discussion of Results: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.68 454.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.44 437.25 Td (income ) Tj ET Q q 0 0 0 rg BT 98.37 437.25 Td (was ) Tj ET Q q 0 0 0 rg BT 116.42 437.25 Td ($654 ) Tj ET Q q 0 0 0 rg BT 138.92 437.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 172.82 437.25 Td (an ) Tj ET Q q 0 0 0 rg BT 184.75 437.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.01 437.25 Td (of ) Tj ET Q q 0 0 0 rg BT 230.84 437.25 Td (12%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 420.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.58 420.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 100.87 420.25 Td (was ) Tj ET Q q 0 0 0 rg BT 119.07 420.25 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 139.21 420.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 170.47 420.25 Td (an ) Tj ET Q q 0 0 0 rg BT 182.55 420.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 217.95 420.25 Td (of ) Tj ET Q q 0 0 0 rg BT 228.92 420.25 Td (9%, ) Tj ET Q q 0 0 0 rg BT 247.40 420.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 288.35 420.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 316.54 420.25 Td (market ) Tj ET Q q 0 0 0 rg BT 346.95 420.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 372.92 420.25 Td (and ) Tj ET Q q 0 0 0 rg BT 390.00 420.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 417.65 420.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 452.51 420.25 Td (results ) Tj ET Q q 0 0 0 rg BT 481.26 420.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 509.45 420.25 Td (by ) Tj ET Q q 0 0 0 rg BT 522.10 420.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 550.29 420.25 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 408.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.43 408.25 Td (income ) Tj ET Q q 0 0 0 rg BT 113.37 408.25 Td (on ) Tj ET Q q 0 0 0 rg BT 125.87 408.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 161.15 408.25 Td (and ) Tj ET Q q 0 0 0 rg BT 178.08 408.25 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 391.25 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 99.07 391.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 134.20 391.25 Td (was ) Tj ET Q q 0 0 0 rg BT 152.66 391.25 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 173.08 391.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 204.61 391.25 Td (an ) Tj ET Q q 0 0 0 rg BT 216.96 391.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 252.64 391.25 Td (of ) Tj ET Q q 0 0 0 rg BT 263.88 391.25 Td (8%, ) Tj ET Q q 0 0 0 rg BT 282.63 391.25 Td (lar) Tj ET Q q 0 0 0 rg BT 292.99 391.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 313.13 391.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 341.59 391.25 Td (by ) Tj ET Q q 0 0 0 rg BT 354.51 391.25 Td (a ) Tj ET Q q 0 0 0 rg BT 361.86 391.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 414.77 391.25 Td (of ) Tj ET Q q 0 0 0 rg BT 426.02 391.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 454.48 391.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 512.94 391.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 548.06 391.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 379.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 77.55 379.25 Td (external ) Tj ET Q q 0 0 0 rg BT 112.25 379.25 Td (fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 362.25 Td (Assets ) Tj ET Q q 0 0 0 rg BT 77.87 362.25 Td (under ) Tj ET Q q 0 0 0 rg BT 102.90 362.25 Td (management ) Tj ET Q q 0 0 0 rg BT 156.24 362.25 Td (were ) Tj ET Q q 0 0 0 rg BT 177.93 362.25 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 197.69 362.25 Td (trillion, ) Tj ET Q q 0 0 0 rg BT 229.67 362.25 Td (up ) Tj ET Q q 0 0 0 rg BT 241.92 362.25 Td (15%, ) Tj ET Q q 0 0 0 rg BT 265.01 362.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 305.58 362.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 333.38 362.25 Td (market ) Tj ET Q q 0 0 0 rg BT 363.40 362.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 388.99 362.25 Td (and ) Tj ET Q q 0 0 0 rg BT 405.68 362.25 Td (net ) Tj ET Q q 0 0 0 rg BT 420.16 362.25 Td (inflows ) Tj ET Q q 0 0 0 rg BT 452.41 362.25 Td (into ) Tj ET Q q 0 0 0 rg BT 470.23 362.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 511.92 362.25 Td (and ) Tj ET Q q 0 0 0 rg BT 528.61 362.25 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 350.25 Td (products. ) Tj ET Q 0.45098039215686275 0.592156862745098 0.7372549019607844 rg /GS0 gs 50.00 333.75 511.00 -20.00 re f /GS0 gs BT /F2 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 52.50 318.65 Td (CORPORA) Tj ET Q q 1 1 1 rg BT 107.29 318.65 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 50.00 303.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 303.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 303.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 303.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 303.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 303.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 303.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 303.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 303.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 303.75 90.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 50.00 288.75 181.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 231.00 288.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 276.00 288.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 280.00 288.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 325.00 288.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 329.00 288.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 374.00 288.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 378.00 288.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 423.00 288.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 468.00 288.75 4.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 472.00 288.75 45.00 -15.00 re f /GS0 gs 0.9176470588235294 0.9176470588235294 0.9176470588235294 rg /GS0 gs 517.00 288.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 231.00 258.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 280.00 258.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 329.00 258.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 258.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 258.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 517.00 258.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 378.00 243.75 45.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 468.00 243.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 50.00 228.75 181.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 231.00 228.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 276.00 228.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 280.00 228.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 325.00 228.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 329.00 228.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 374.00 228.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 378.00 228.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 423.00 228.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 468.00 228.75 4.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 472.00 228.75 45.00 -15.00 re f /GS0 gs 0.8392156862745098 0.8784313725490196 0.9254901960784314 rg /GS0 gs 517.00 228.75 45.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 288.75 m 423 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 288.75 m 468 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 288.75 m 472 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 288.75 m 517 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 288.75 m 562 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 273.75 m 231 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 273.75 m 276 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276 273.75 m 280 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 273.75 m 325 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 273.75 m 329 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 273.75 m 374 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 273.75 m 378 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378 273.75 m 423 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 273.75 m 468 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468 273.75 m 472 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 273.75 m 517 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 273.75 m 562 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 273.75 m 276 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280 273.75 m 325 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 273.75 m 374 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 273.75 m 468 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 273.75 m 562 273.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 228.75 m 374 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 228.75 m 231 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 50 213.75 m 231 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 228.75 m 276 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 231 213.75 m 276 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 228.75 m 280 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 276 213.75 m 280 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 228.75 m 325 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 280 213.75 m 325 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 228.75 m 329 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 325 213.75 m 329 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 228.75 m 374 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 329 213.75 m 374 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 228.75 m 378 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 374 213.75 m 378 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 228.75 m 423 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 378 213.75 m 423 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 228.75 m 468 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 423 213.75 m 468 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 228.75 m 472 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 468 213.75 m 472 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 228.75 m 517 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 472 213.75 m 517 213.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 228.75 m 562 228.75 l s 0.5098039215686274 0.5098039215686274 0.5098039215686274 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 517 213.75 m 562 213.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 293.42 Td (Results for Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.35 293.42 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 293.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 278.42 Td (\($millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.85 278.42 Td (4Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 278.42 Td (3Q17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 278.42 Td (4Q16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 278.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.60 278.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 278.42 Td ($O/\(U\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.60 278.42 Td (O/\(U\)?) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 264.32 Td (Net revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 263.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 263.42 Td (175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 263.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 263.42 Td (186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 263.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 263.47 Td (\(197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 263.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 263.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 263.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 414.13 263.47 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 263.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 263.42 Td (\(6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 263.42 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 263.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.15 263.42 Td (372) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 263.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 249.32 Td (Noninterest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 248.42 Td (146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 248.42 Td (74) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 248.42 Td (439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 248.42 Td (72) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 248.42 Td (97) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.80 248.47 Td (\(293) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 248.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 248.47 Td (\(67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 248.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 234.32 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 233.42 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 233.42 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 233.42 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 233.42 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 233.42 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 233.42 Td (? Tj ET Q BT /F7 8.00 Tf ET q 0 0 0 rg BT 550.10 232.98 Td (? Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 219.32 Td (Net income/\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.50 218.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.30 218.42 Td (\(2,326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 218.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 218.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 218.42 Td (78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.50 218.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 218.47 Td (\(341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 218.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.50 218.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 218.47 Td (\(2,404) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 218.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.35 218.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 218.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.30 218.47 Td (\(1,985) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 218.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 218.42 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F6 10.00 Tf ET q 0 0 0 rg BT 49.50 196.25 Td (Discussion of Results:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.25 Td (Net loss was $2.3 billion, compared with a net loss of $341 million in the prior year) Tj ET Q q 0 0 0 rg BT 383.89 178.25 Td (. ) Tj ET Q q 0 0 0 rg BT 388.71 178.25 Td (The current quarter net loss included a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.25 Td ($2.7 billion increase to income tax expense related to the impact of the ) Tj ET Q q 0 0 0 rg BT 334.78 166.25 Td (TCJA. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 148.25 Td (Net revenue was $175 million, compared with a net loss of $197 million in the prior year) Tj ET Q q 0 0 0 rg BT 405.41 148.25 Td (, primarily due to the benefit of higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 136.25 Td (rates. ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (1. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 67.50 740.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 93.88 740.25 Td (on ) Tj ET Q q 0 0 0 rg BT 106.94 740.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 154.17 740.25 Td ( ) Tj ET Q q 0 0 0 rg BT 156.67 740.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 196.40 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 227.88 740.25 Td (es ) Tj ET Q q 0 0 0 rg BT 238.71 740.25 Td (and ) Tj ET Q q 0 0 0 rg BT 257.33 740.25 Td (key ) Tj ET Q q 0 0 0 rg BT 274.83 740.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 332.31 740.25 Td (measur) Tj ET Q q 0 0 0 rg BT 363.79 740.25 Td (es:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 722.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 722.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 136.17 722.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.67 722.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.40 722.25 Td (measur) Tj ET Q q 0 0 0 rg BT 209.88 722.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.25 Td (a. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 698.25 Td (In ) Tj ET Q q 0 0 0 rg BT 77.96 698.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 112.87 698.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.78 698.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 163.78 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.13 698.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 200.35 698.25 Td (s ) Tj ET Q q 0 0 0 rg BT 206.38 698.25 Td (results ) Tj ET Q q 0 0 0 rg BT 234.62 698.25 Td (on ) Tj ET Q q 0 0 0 rg BT 246.75 698.25 Td (a ) Tj ET Q q 0 0 0 rg BT 253.32 698.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 288.76 698.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 313.40 698.25 Td (management ) Tj ET Q q 0 0 0 rg BT 366.62 698.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 399.85 698.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 440.86 698.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 471.60 698.25 Td (including ) Tj ET Q q 0 0 0 rg BT 511.51 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.86 698.25 Td (overhead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 686.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 90.46 686.25 Td (on ) Tj ET Q q 0 0 0 rg BT 102.59 686.25 Td (a ) Tj ET Q q 0 0 0 rg BT 109.16 686.25 Td (managed?) Tj ET Q q 0 0 0 rg BT 156.26 686.25 Td (basis; ) Tj ET Q q 0 0 0 rg BT 181.17 686.25 Td (these ) Tj ET Q q 0 0 0 rg BT 203.85 686.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 244.87 686.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 283.09 686.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 305.22 686.25 Td (results ) Tj ET Q q 0 0 0 rg BT 333.46 686.25 Td (are ) Tj ET Q q 0 0 0 rg BT 347.80 686.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 392.99 686.25 Td ( ) Tj ET Q q 0 0 0 rg BT 395.12 686.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.23 686.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 473.91 686.25 Td (The ) Tj ET Q q 0 0 0 rg BT 491.59 686.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 513.17 686.25 Td (also ) Tj ET Q q 0 0 0 rg BT 531.41 686.25 Td (reviews ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.35 674.25 Td (results ) Tj ET Q q 0 0 0 rg BT 111.08 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 122.04 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 136.89 674.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 158.40 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 169.36 674.25 Td (business ) Tj ET Q q 0 0 0 rg BT 205.88 674.25 Td (on ) Tj ET Q q 0 0 0 rg BT 218.51 674.25 Td (a ) Tj ET Q q 0 0 0 rg BT 225.57 674.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 264.30 674.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 289.24 674.25 Td (The ) Tj ET Q q 0 0 0 rg BT 307.41 674.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 329.64 674.25 Td (s ) Tj ET Q q 0 0 0 rg BT 336.16 674.25 Td (definition ) Tj ET Q q 0 0 0 rg BT 377.67 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 388.63 674.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 427.35 674.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 449.98 674.25 Td (starts, ) Tj ET Q q 0 0 0 rg BT 476.21 674.25 Td (in ) Tj ET Q q 0 0 0 rg BT 486.62 674.25 Td (each ) Tj ET Q q 0 0 0 rg BT 507.56 674.25 Td (case, ) Tj ET Q q 0 0 0 rg BT 529.90 674.25 Td (with ) Tj ET Q q 0 0 0 rg BT 550.31 674.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 103.80 662.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 124.56 662.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 151.42 662.25 Td ( ) Tj ET Q q 0 0 0 rg BT 154.40 662.25 Td (results ) Tj ET Q q 0 0 0 rg BT 183.49 662.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.91 662.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 237.21 662.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 267.40 662.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 334.79 662.25 Td (to ) Tj ET Q q 0 0 0 rg BT 345.55 662.25 Td (present ) Tj ET Q q 0 0 0 rg BT 377.41 662.25 Td (total ) Tj ET Q q 0 0 0 rg BT 398.17 662.25 Td (net ) Tj ET Q q 0 0 0 rg BT 413.36 662.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 447.99 662.25 Td (for ) Tj ET Q q 0 0 0 rg BT 462.63 662.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.83 662.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 500.26 662.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.68 662.25 Td (each ) Tj ET Q q 0 0 0 rg BT 538.97 662.25 Td (of ) Tj ET Q q 0 0 0 rg BT 550.29 662.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 650.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 109.91 650.25 Td (business ) Tj ET Q q 0 0 0 rg BT 145.67 650.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 184.76 650.25 Td (on ) Tj ET Q q 0 0 0 rg BT 196.64 650.25 Td (a ) Tj ET Q q 0 0 0 rg BT 202.95 650.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 223.71 650.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 299.44 650.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 334.63 650.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 358.59 650.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 407.92 650.25 Td (, ) Tj ET Q q 0 0 0 rg BT 412.30 650.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 445.82 650.25 Td (from ) Tj ET Q q 0 0 0 rg BT 467.13 650.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 516.78 650.25 Td (that ) Tj ET Q q 0 0 0 rg BT 533.65 650.25 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 638.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 82.60 638.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 112.13 638.25 Td (and ) Tj ET Q q 0 0 0 rg BT 129.45 638.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 177.31 638.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 217.95 638.25 Td (is ) Tj ET Q q 0 0 0 rg BT 227.50 638.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 268.70 638.25 Td (in ) Tj ET Q q 0 0 0 rg BT 279.36 638.25 Td (the ) Tj ET Q q 0 0 0 rg BT 294.45 638.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 333.43 638.25 Td (results ) Tj ET Q q 0 0 0 rg BT 362.42 638.25 Td (on ) Tj ET Q q 0 0 0 rg BT 375.30 638.25 Td (a ) Tj ET Q q 0 0 0 rg BT 382.61 638.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 405.49 638.25 Td (comparable ) Tj ET Q q 0 0 0 rg BT 455.01 638.25 Td (to ) Tj ET Q q 0 0 0 rg BT 465.67 638.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 497.42 638.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 548.08 638.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 109.96 626.25 Td (These ) Tj ET Q q 0 0 0 rg BT 136.20 626.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 173.55 626.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 213.12 626.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 237.70 626.25 Td (management ) Tj ET Q q 0 0 0 rg BT 291.16 626.25 Td (to ) Tj ET Q q 0 0 0 rg BT 301.30 626.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 328.11 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 342.69 626.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 400.60 626.25 Td (of ) Tj ET Q q 0 0 0 rg BT 411.29 626.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 445.30 626.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 474.89 626.25 Td (from ) Tj ET Q q 0 0 0 rg BT 496.69 626.25 Td (both ) Tj ET Q q 0 0 0 rg BT 516.83 626.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 548.07 626.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 114.41 614.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 148.69 614.25 Td (The ) Tj ET Q q 0 0 0 rg BT 166.17 614.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 225.31 614.25 Td (income ) Tj ET Q q 0 0 0 rg BT 256.67 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 270.82 614.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 299.96 614.25 Td (related ) Tj ET Q q 0 0 0 rg BT 329.09 614.25 Td (to ) Tj ET Q q 0 0 0 rg BT 338.80 614.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 385.71 614.25 Td (items ) Tj ET Q q 0 0 0 rg BT 409.31 614.25 Td (is ) Tj ET Q q 0 0 0 rg BT 417.91 614.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 454.81 614.25 Td (within ) Tj ET Q q 0 0 0 rg BT 482.30 614.25 Td (income ) Tj ET Q q 0 0 0 rg BT 513.66 614.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 527.81 614.25 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 602.25 Td (These ) Tj ET Q q 0 0 0 rg BT 94.97 602.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 146.34 602.25 Td (have ) Tj ET Q q 0 0 0 rg BT 168.81 602.25 Td (no ) Tj ET Q q 0 0 0 rg BT 182.40 602.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 213.20 602.25 Td (on ) Tj ET Q q 0 0 0 rg BT 226.80 602.25 Td (net ) Tj ET Q q 0 0 0 rg BT 242.61 602.25 Td (income ) Tj ET Q q 0 0 0 rg BT 275.63 602.25 Td (as ) Tj ET Q q 0 0 0 rg BT 287.55 602.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 324.46 602.25 Td (by ) Tj ET Q q 0 0 0 rg BT 338.06 602.25 Td (the ) Tj ET Q q 0 0 0 rg BT 353.87 602.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 376.91 602.25 Td (as ) Tj ET Q q 0 0 0 rg BT 388.83 602.25 Td (a ) Tj ET Q q 0 0 0 rg BT 396.86 602.25 Td (whole ) Tj ET Q q 0 0 0 rg BT 424.89 602.25 Td (or ) Tj ET Q q 0 0 0 rg BT 436.81 602.25 Td (by ) Tj ET Q q 0 0 0 rg BT 450.41 602.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.22 602.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 488.70 602.25 Td (of ) Tj ET Q q 0 0 0 rg BT 500.62 602.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 540.60 602.25 Td (For ) Tj ET Q q 0 0 0 rg BT 558.09 602.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 124.18 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 134.21 590.25 Td (the ) Tj ET Q q 0 0 0 rg BT 148.13 590.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 170.36 590.25 Td (s ) Tj ET Q q 0 0 0 rg BT 175.96 590.25 Td (results ) Tj ET Q q 0 0 0 rg BT 203.77 590.25 Td (from ) Tj ET Q q 0 0 0 rg BT 224.91 590.25 Td (a ) Tj ET Q q 0 0 0 rg BT 231.05 590.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 266.07 590.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.56 590.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 313.35 590.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 337.56 590.25 Td (see ) Tj ET Q q 0 0 0 rg BT 352.03 590.25 Td (page ) Tj ET Q q 0 0 0 rg BT 372.61 590.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 379.32 590.25 Td (of ) Tj ET Q q 0 0 0 rg BT 389.35 590.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.27 590.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 440.52 590.25 Td (Release ) Tj ET Q q 0 0 0 rg BT 473.32 590.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 512.24 590.25 Td (Supplement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 566.25 Td (b. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 566.25 Td (T) Tj ET Q q 0 0 0 rg BT 72.91 566.25 Td (angible ) Tj ET Q q 0 0 0 rg BT 106.79 566.25 Td (common ) Tj ET Q q 0 0 0 rg BT 146.23 566.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 175.67 566.25 Td (\(TCE\), ) Tj ET Q q 0 0 0 rg BT 217.04 566.25 Td (return ) Tj ET Q q 0 0 0 rg BT 245.36 566.25 Td (on ) Tj ET Q q 0 0 0 rg BT 259.80 566.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 296.46 566.25 Td (common ) Tj ET Q q 0 0 0 rg BT 335.90 566.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 365.34 566.25 Td (\(ROTCE\) ) Tj ET Q q 0 0 0 rg BT 418.10 566.25 Td (and ) Tj ET Q q 0 0 0 rg BT 436.98 566.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 473.64 566.25 Td (book ) Tj ET Q q 0 0 0 rg BT 498.09 566.25 Td (value ) Tj ET Q q 0 0 0 rg BT 524.19 566.25 Td (per ) Tj ET Q q 0 0 0 rg BT 541.40 566.25 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 554.25 Td (\(TBVPS\), ) Tj ET Q q 0 0 0 rg BT 121.85 554.25 Td (are ) Tj ET Q q 0 0 0 rg BT 139.24 554.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 184.43 554.25 Td ( ) Tj ET Q q 0 0 0 rg BT 189.61 554.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 229.78 554.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 274.30 554.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 298.37 554.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 344.10 554.25 Td (the ) Tj ET Q q 0 0 0 rg BT 361.50 554.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 383.73 554.25 Td (s ) Tj ET Q q 0 0 0 rg BT 392.81 554.25 Td (common ) Tj ET Q q 0 0 0 rg BT 432.99 554.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 486.12 554.25 Td ( ) Tj ET Q q 0 0 0 rg BT 491.31 554.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 521.49 554.25 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 544.73 554.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 542.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 120.63 542.25 Td ( ) Tj ET Q q 0 0 0 rg BT 123.59 542.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 151.54 542.25 Td (less ) Tj ET Q q 0 0 0 rg BT 169.49 542.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 209.08 542.25 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 236.47 542.25 Td (less ) Tj ET Q q 0 0 0 rg BT 254.43 542.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 292.94 542.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.33 542.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 358.82 542.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 401.77 542.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 428.05 542.25 Td (\(other ) Tj ET Q q 0 0 0 rg BT 454.88 542.25 Td (than ) Tj ET Q q 0 0 0 rg BT 475.05 542.25 Td (MSRs\), ) Tj ET Q q 0 0 0 rg BT 508.85 542.25 Td (net ) Tj ET Q q 0 0 0 rg BT 524.02 542.25 Td (of ) Tj ET Q q 0 0 0 rg BT 535.31 542.25 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 530.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 103.65 530.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 118.70 530.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 161.26 530.25 Td (For ) Tj ET Q q 0 0 0 rg BT 177.99 530.25 Td (a ) Tj ET Q q 0 0 0 rg BT 185.27 530.25 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 243.08 530.25 Td (from ) Tj ET Q q 0 0 0 rg BT 265.36 530.25 Td (common ) Tj ET Q q 0 0 0 rg BT 303.19 530.25 Td (stockholders? Tj ET Q q 0 0 0 rg BT 356.33 530.25 Td ( ) Tj ET Q q 0 0 0 rg BT 359.17 530.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 387.00 530.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.41 530.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 421.64 530.25 Td (see ) Tj ET Q q 0 0 0 rg BT 437.25 530.25 Td (page ) Tj ET Q q 0 0 0 rg BT 458.96 530.25 Td (9 ) Tj ET Q q 0 0 0 rg BT 466.80 530.25 Td (of ) Tj ET Q q 0 0 0 rg BT 477.97 530.25 Td (the ) Tj ET Q q 0 0 0 rg BT 493.03 530.25 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 531.42 530.25 Td (Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 106.59 518.25 Td (Supplement. ) Tj ET Q q 0 0 0 rg BT 158.75 518.25 Td (ROTCE ) Tj ET Q q 0 0 0 rg BT 193.40 518.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 232.49 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.59 518.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 268.81 518.25 Td (s ) Tj ET Q q 0 0 0 rg BT 274.58 518.25 Td (net ) Tj ET Q q 0 0 0 rg BT 288.68 518.25 Td (income ) Tj ET Q q 0 0 0 rg BT 320.00 518.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 362.96 518.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.62 518.25 Td (common ) Tj ET Q q 0 0 0 rg BT 409.50 518.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 436.37 518.25 Td (as ) Tj ET Q q 0 0 0 rg BT 446.58 518.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.90 518.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 498.08 518.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.29 518.25 Td (average ) Tj ET Q q 0 0 0 rg BT 541.12 518.25 Td (TCE. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 506.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 100.84 506.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 143.60 506.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.04 506.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 180.27 506.25 Td (s ) Tj ET Q q 0 0 0 rg BT 186.22 506.25 Td (TCE ) Tj ET Q q 0 0 0 rg BT 207.33 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 216.77 506.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 262.31 506.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 294.52 506.25 Td (by ) Tj ET Q q 0 0 0 rg BT 306.74 506.25 Td (common ) Tj ET Q q 0 0 0 rg BT 343.96 506.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 371.17 506.25 Td (at ) Tj ET Q q 0 0 0 rg BT 380.61 506.25 Td (period-end. ) Tj ET Q q 0 0 0 rg BT 428.65 506.25 Td (Book ) Tj ET Q q 0 0 0 rg BT 452.54 506.25 Td (value ) Tj ET Q q 0 0 0 rg BT 476.42 506.25 Td (per ) Tj ET Q q 0 0 0 rg BT 491.41 506.25 Td (share ) Tj ET Q q 0 0 0 rg BT 514.73 506.25 Td (was ) Tj ET Q q 0 0 0 rg BT 532.50 506.25 Td ($67.04, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td ($66.95 ) Tj ET Q q 0 0 0 rg BT 98.11 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 115.67 494.25 Td ($64.06 ) Tj ET Q q 0 0 0 rg BT 146.28 494.25 Td (at ) Tj ET Q q 0 0 0 rg BT 156.61 494.25 Td (December ) Tj ET Q q 0 0 0 rg BT 200.81 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 216.42 494.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 242.04 494.25 Td (September ) Tj ET Q q 0 0 0 rg BT 287.92 494.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 303.53 494.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 329.15 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 346.70 494.25 Td (December ) Tj ET Q q 0 0 0 rg BT 390.90 494.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 406.51 494.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 432.13 494.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 479.79 494.25 Td (. ) Tj ET Q q 0 0 0 rg BT 485.18 494.25 Td (TCE, ) Tj ET Q q 0 0 0 rg BT 509.68 494.25 Td (ROTCE, ) Tj ET Q q 0 0 0 rg BT 548.07 494.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 482.25 Td (TBVPS ) Tj ET Q q 0 0 0 rg BT 101.12 482.25 Td (are ) Tj ET Q q 0 0 0 rg BT 115.83 482.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 163.87 482.25 Td (to ) Tj ET Q q 0 0 0 rg BT 174.15 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.87 482.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 213.32 482.25 Td (as ) Tj ET Q q 0 0 0 rg BT 224.15 482.25 Td (well ) Tj ET Q q 0 0 0 rg BT 243.86 482.25 Td (as ) Tj ET Q q 0 0 0 rg BT 254.69 482.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 293.30 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 482.25 Td (analysts, ) Tj ET Q q 0 0 0 rg BT 347.46 482.25 Td (in ) Tj ET Q q 0 0 0 rg BT 357.73 482.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 397.46 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 412.17 482.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 434.40 482.25 Td (s ) Tj ET Q q 0 0 0 rg BT 440.79 482.25 Td (use ) Tj ET Q q 0 0 0 rg BT 456.62 482.25 Td (of ) Tj ET Q q 0 0 0 rg BT 467.45 482.25 Td (equity) Tj ET Q q 0 0 0 rg BT 491.80 482.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 458.25 Td (c. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 458.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 105.72 458.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 140.05 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 156.60 458.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 192.04 458.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 230.80 458.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 251.24 458.25 Td (are ) Tj ET Q q 0 0 0 rg BT 265.57 458.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 310.75 458.25 Td ( ) Tj ET Q q 0 0 0 rg BT 312.87 458.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 349.96 458.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 391.32 458.25 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 429.54 458.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 463.87 458.25 Td (excluded ) Tj ET Q q 0 0 0 rg BT 502.08 458.25 Td (Firmwide ) Tj ET Q q 0 0 0 rg BT 543.08 458.25 Td (legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 446.25 Td (expense/\(benefit\) ) Tj ET Q q 0 0 0 rg BT 138.34 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.10 446.25 Td ($\(207\) ) Tj ET Q q 0 0 0 rg BT 176.19 446.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 209.01 446.25 Td ($\(107\) ) Tj ET Q q 0 0 0 rg BT 237.10 446.25 Td (million ) Tj ET Q q 0 0 0 rg BT 267.42 446.25 Td (and ) Tj ET Q q 0 0 0 rg BT 283.29 446.25 Td ($230 ) Tj ET Q q 0 0 0 rg BT 304.72 446.25 Td (million ) Tj ET Q q 0 0 0 rg BT 335.04 446.25 Td (for ) Tj ET Q q 0 0 0 rg BT 348.13 446.25 Td (the ) Tj ET Q q 0 0 0 rg BT 361.78 446.25 Td (three ) Tj ET Q q 0 0 0 rg BT 383.19 446.25 Td (months ) Tj ET Q q 0 0 0 rg BT 414.07 446.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 439.38 446.25 Td (December ) Tj ET Q q 0 0 0 rg BT 481.89 446.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 495.82 446.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 519.75 446.25 Td (September ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 434.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 83.64 434.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 109.78 434.25 Td (and ) Tj ET Q q 0 0 0 rg BT 127.86 434.25 Td (December ) Tj ET Q q 0 0 0 rg BT 172.59 434.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 188.73 434.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 214.87 434.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 262.53 434.25 Td (. ) Tj ET Q q 0 0 0 rg BT 268.41 434.25 Td (The ) Tj ET Q q 0 0 0 rg BT 287.60 434.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 324.57 434.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 364.85 434.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 386.82 434.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 427.67 434.25 Td (the ) Tj ET Q q 0 0 0 rg BT 443.53 434.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 465.75 434.25 Td (s ) Tj ET Q q 0 0 0 rg BT 473.29 434.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 510.25 434.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 546.10 434.25 Td (as ) Tj ET Q q 0 0 0 rg BT 558.07 434.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 422.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 113.25 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 124.03 422.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 159.81 422.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 198.35 422.25 Td (net ) Tj ET Q q 0 0 0 rg BT 213.02 422.25 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 249.61 422.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 304.27 422.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 339.48 422.25 Td (this ) Tj ET Q q 0 0 0 rg BT 356.38 422.25 Td (information ) Tj ET Q q 0 0 0 rg BT 406.04 422.25 Td (helps ) Tj ET Q q 0 0 0 rg BT 429.60 422.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 468.16 422.25 Td (understand ) Tj ET Q q 0 0 0 rg BT 514.48 422.25 Td (the ) Tj ET Q q 0 0 0 rg BT 529.15 422.25 Td (ef) Tj ET Q q 0 0 0 rg BT 536.74 422.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 554.17 422.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 410.25 Td (these ) Tj ET Q q 0 0 0 rg BT 90.55 410.25 Td (items ) Tj ET Q q 0 0 0 rg BT 114.71 410.25 Td (on ) Tj ET Q q 0 0 0 rg BT 127.21 410.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 163.03 410.25 Td (results ) Tj ET Q q 0 0 0 rg BT 191.64 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 208.57 410.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 245.51 410.25 Td (an ) Tj ET Q q 0 0 0 rg BT 257.45 410.25 Td (alternate ) Tj ET Q q 0 0 0 rg BT 294.37 410.25 Td (presentation ) Tj ET Q q 0 0 0 rg BT 345.74 410.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.57 410.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.29 410.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 393.52 410.25 Td (s ) Tj ET Q q 0 0 0 rg BT 399.91 410.25 Td (performance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 386.25 Td (d. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 386.25 Td (On ) Tj ET Q q 0 0 0 rg BT 81.70 386.25 Td (December ) Tj ET Q q 0 0 0 rg BT 124.77 386.25 Td (22, ) Tj ET Q q 0 0 0 rg BT 139.25 386.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 163.73 386.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.79 386.25 Td (T) Tj ET Q q 0 0 0 rg BT 183.20 386.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 194.62 386.25 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 214.94 386.25 Td (& ) Tj ET Q q 0 0 0 rg BT 224.70 386.25 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 244.02 386.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 260.44 386.25 Td (\(TCJA\) ) Tj ET Q q 0 0 0 rg BT 301.85 386.25 Td (was ) Tj ET Q q 0 0 0 rg BT 319.39 386.25 Td (signed ) Tj ET Q q 0 0 0 rg BT 347.48 386.25 Td (into ) Tj ET Q q 0 0 0 rg BT 365.02 386.25 Td (law) Tj ET Q q 0 0 0 rg BT 378.80 386.25 Td (. ) Tj ET Q q 0 0 0 rg BT 383.14 386.25 Td (The ) Tj ET Q q 0 0 0 rg BT 400.67 386.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 427.09 386.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 457.39 386.25 Td (of ) Tj ET Q q 0 0 0 rg BT 467.70 386.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 489.68 386.25 Td (and ) Tj ET Q q 0 0 0 rg BT 506.10 386.25 Td (full-year ) Tj ET Q q 0 0 0 rg BT 542.51 386.25 Td (2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 374.25 Td (results ) Tj ET Q q 0 0 0 rg BT 95.68 374.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 123.29 374.25 Td (the ) Tj ET Q q 0 0 0 rg BT 137.58 374.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 177.97 374.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 207.25 374.25 Td (of ) Tj ET Q q 0 0 0 rg BT 217.66 374.25 Td (the ) Tj ET Q q 0 0 0 rg BT 231.95 374.25 Td (enactment ) Tj ET Q q 0 0 0 rg BT 275.11 374.25 Td (of ) Tj ET Q q 0 0 0 rg BT 285.51 374.25 Td (the ) Tj ET Q q 0 0 0 rg BT 299.65 374.25 Td (TCJA, ) Tj ET Q q 0 0 0 rg BT 328.11 374.25 Td (which ) Tj ET Q q 0 0 0 rg BT 354.63 374.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 388.35 374.25 Td (in ) Tj ET Q q 0 0 0 rg BT 398.20 374.25 Td (a ) Tj ET Q q 0 0 0 rg BT 404.72 374.25 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 424.29 374.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 452.47 374.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 488.96 374.25 Td (in ) Tj ET Q q 0 0 0 rg BT 498.81 374.25 Td (net ) Tj ET Q q 0 0 0 rg BT 513.10 374.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 546.96 374.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 362.25 Td (full ) Tj ET Q q 0 0 0 rg BT 83.60 362.25 Td (year ) Tj ET Q q 0 0 0 rg BT 103.02 362.25 Td (results ) Tj ET Q q 0 0 0 rg BT 131.34 362.25 Td (also ) Tj ET Q q 0 0 0 rg BT 149.66 362.25 Td (included ) Tj ET Q q 0 0 0 rg BT 186.31 362.25 Td (a ) Tj ET Q q 0 0 0 rg BT 192.96 362.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 214.61 362.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 244.59 362.25 Td (of ) Tj ET Q q 0 0 0 rg BT 255.13 362.25 Td ($406 ) Tj ET Q q 0 0 0 rg BT 277.34 362.25 Td (million ) Tj ET Q q 0 0 0 rg BT 308.45 362.25 Td (\(after) Tj ET Q q 0 0 0 rg BT 329.89 362.25 Td (-tax\) ) Tj ET Q q 0 0 0 rg BT 350.98 362.25 Td (related ) Tj ET Q q 0 0 0 rg BT 380.40 362.25 Td (to ) Tj ET Q q 0 0 0 rg BT 390.39 362.25 Td (a ) Tj ET Q q 0 0 0 rg BT 397.04 362.25 Td (settlement ) Tj ET Q q 0 0 0 rg BT 440.36 362.25 Td (with ) Tj ET Q q 0 0 0 rg BT 460.35 362.25 Td (the ) Tj ET Q q 0 0 0 rg BT 474.78 362.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 499.77 362.25 Td (receivership ) Tj ET Q q 0 0 0 rg BT 550.85 362.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 350.25 Td (W) Tj ET Q q 0 0 0 rg BT 76.14 350.25 Td (ashington ) Tj ET Q q 0 0 0 rg BT 118.13 350.25 Td (Mutual ) Tj ET Q q 0 0 0 rg BT 150.12 350.25 Td (and ) Tj ET Q q 0 0 0 rg BT 167.67 350.25 Td (with ) Tj ET Q q 0 0 0 rg BT 188.55 350.25 Td (Deutsche ) Tj ET Q q 0 0 0 rg BT 228.86 350.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 253.08 350.25 Td (as ) Tj ET Q q 0 0 0 rg BT 264.51 350.25 Td (trustee ) Tj ET Q q 0 0 0 rg BT 294.27 350.25 Td (to ) Tj ET Q q 0 0 0 rg BT 305.16 350.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 335.24 350.25 Td (W) Tj ET Q q 0 0 0 rg BT 343.88 350.25 Td (ashington ) Tj ET Q q 0 0 0 rg BT 385.87 350.25 Td (Mutual ) Tj ET Q q 0 0 0 rg BT 417.86 350.25 Td (trusts. ) Tj ET Q q 0 0 0 rg BT 445.14 350.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 462.68 350.25 Td (income ) Tj ET Q q 0 0 0 rg BT 495.22 350.25 Td (and ) Tj ET Q q 0 0 0 rg BT 512.76 350.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 549.75 350.25 Td (per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 338.25 Td (share ) Tj ET Q q 0 0 0 rg BT 90.43 338.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 131.70 338.25 Td (the ) Tj ET Q q 0 0 0 rg BT 145.75 338.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 174.79 338.25 Td (of ) Tj ET Q q 0 0 0 rg BT 184.95 338.25 Td (these ) Tj ET Q q 0 0 0 rg BT 207.33 338.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 251.38 338.25 Td (items ) Tj ET Q q 0 0 0 rg BT 274.88 338.25 Td (are ) Tj ET Q q 0 0 0 rg BT 288.91 338.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 334.10 338.25 Td ( ) Tj ET Q q 0 0 0 rg BT 335.93 338.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 372.75 338.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 414.29 338.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 468.32 338.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 502.92 338.25 Td (these ) Tj ET Q q 0 0 0 rg BT 525.30 338.25 Td (measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 326.25 Td (help ) Tj ET Q q 0 0 0 rg BT 87.22 326.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 125.83 326.25 Td (understand ) Tj ET Q q 0 0 0 rg BT 172.20 326.25 Td (the ) Tj ET Q q 0 0 0 rg BT 186.92 326.25 Td (ef) Tj ET Q q 0 0 0 rg BT 194.51 326.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 211.99 326.25 Td (of ) Tj ET Q q 0 0 0 rg BT 222.82 326.25 Td (these ) Tj ET Q q 0 0 0 rg BT 245.87 326.25 Td (items ) Tj ET Q q 0 0 0 rg BT 270.03 326.25 Td (on ) Tj ET Q q 0 0 0 rg BT 282.53 326.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 318.35 326.25 Td (results. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 290.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.88 290.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 290.25 Td (key ) Tj ET Q q 0 0 0 rg BT 106.44 290.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 163.92 290.25 Td (measur) Tj ET Q q 0 0 0 rg BT 195.40 290.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 266.25 Td (e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 266.25 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 109.49 266.25 Td (as ) Tj ET Q q 0 0 0 rg BT 119.82 266.25 Td (of ) Tj ET Q q 0 0 0 rg BT 130.15 266.25 Td (December ) Tj ET Q q 0 0 0 rg BT 173.24 266.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 187.74 266.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 212.10 266.25 Td (The ) Tj ET Q q 0 0 0 rg BT 229.64 266.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 253.86 266.25 Td (III ) Tj ET Q q 0 0 0 rg BT 265.85 266.25 Td (supplementary ) Tj ET Q q 0 0 0 rg BT 326.73 266.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 362.59 266.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 382.91 266.25 Td (\(SLR\), ) Tj ET Q q 0 0 0 rg BT 421.29 266.25 Td (to ) Tj ET Q q 0 0 0 rg BT 431.07 266.25 Td (which ) Tj ET Q q 0 0 0 rg BT 457.51 266.25 Td (the ) Tj ET Q q 0 0 0 rg BT 471.73 266.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 493.18 266.25 Td (is ) Tj ET Q q 0 0 0 rg BT 501.85 266.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 532.18 266.25 Td (to ) Tj ET Q q 0 0 0 rg BT 541.95 266.25 Td (since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 254.25 Td (January ) Tj ET Q q 0 0 0 rg BT 100.38 254.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 109.67 254.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 133.95 254.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.17 254.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 174.17 254.25 Td (III ) Tj ET Q q 0 0 0 rg BT 185.95 254.25 Td (Fully ) Tj ET Q q 0 0 0 rg BT 208.85 254.25 Td (Phased-In ) Tj ET Q q 0 0 0 rg BT 250.62 254.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 281.56 254.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 338.33 254.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 363.44 254.25 Td (and ) Tj ET Q q 0 0 0 rg BT 379.66 254.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 408.10 254.25 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 434.60 254.25 Td (to ) Tj ET Q q 0 0 0 rg BT 444.16 254.25 Td (which ) Tj ET Q q 0 0 0 rg BT 470.38 254.25 Td (the ) Tj ET Q q 0 0 0 rg BT 484.38 254.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 505.61 254.25 Td (will ) Tj ET Q q 0 0 0 rg BT 522.95 254.25 Td (be ) Tj ET Q q 0 0 0 rg BT 534.17 254.25 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 242.25 Td (on ) Tj ET Q q 0 0 0 rg BT 79.79 242.25 Td (January ) Tj ET Q q 0 0 0 rg BT 113.17 242.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 122.95 242.25 Td (2019, ) Tj ET Q q 0 0 0 rg BT 147.74 242.25 Td (are ) Tj ET Q q 0 0 0 rg BT 162.23 242.25 Td (all ) Tj ET Q q 0 0 0 rg BT 174.51 242.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 220.11 242.25 Td (key ) Tj ET Q q 0 0 0 rg BT 236.84 242.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 280.21 242.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 309.15 242.25 Td (measures. ) Tj ET Q q 0 0 0 rg BT 350.98 242.25 Td (The ) Tj ET Q q 0 0 0 rg BT 368.81 242.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 397.75 242.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 437.78 242.25 Td (of ) Tj ET Q q 0 0 0 rg BT 448.40 242.25 Td (the ) Tj ET Q q 0 0 0 rg BT 462.90 242.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 484.63 242.25 Td (is ) Tj ET Q q 0 0 0 rg BT 493.59 242.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 534.19 242.25 Td (against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 230.25 Td (the ) Tj ET Q q 0 0 0 rg BT 81.66 230.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 105.83 230.25 Td (III ) Tj ET Q q 0 0 0 rg BT 117.77 230.25 Td (approach ) Tj ET Q q 0 0 0 rg BT 156.36 230.25 Td (\(Standardized ) Tj ET Q q 0 0 0 rg BT 213.84 230.25 Td (or ) Tj ET Q q 0 0 0 rg BT 223.69 230.25 Td (Advanced\) ) Tj ET Q q 0 0 0 rg BT 269.50 230.25 Td (that ) Tj ET Q q 0 0 0 rg BT 286.44 230.25 Td (results, ) Tj ET Q q 0 0 0 rg BT 317.00 230.25 Td (for ) Tj ET Q q 0 0 0 rg BT 330.60 230.25 Td (each ) Tj ET Q q 0 0 0 rg BT 350.87 230.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 378.78 230.25 Td (, ) Tj ET Q q 0 0 0 rg BT 383.23 230.25 Td (in ) Tj ET Q q 0 0 0 rg BT 392.96 230.25 Td (the ) Tj ET Q q 0 0 0 rg BT 407.12 230.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 431.84 230.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 452.11 230.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 469.60 230.25 Td (Collins ) Tj ET Q q 0 0 0 rg BT 504.88 230.25 Td (Floor\). ) Tj ET Q q 0 0 0 rg BT 538.63 230.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 218.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 107.12 218.25 Td (are ) Tj ET Q q 0 0 0 rg BT 121.73 218.25 Td (used ) Tj ET Q q 0 0 0 rg BT 142.47 218.25 Td (by ) Tj ET Q q 0 0 0 rg BT 154.88 218.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 210.88 218.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 232.72 218.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 277.62 218.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 316.13 218.25 Td (and ) Tj ET Q q 0 0 0 rg BT 332.98 218.25 Td (analysts ) Tj ET Q q 0 0 0 rg BT 367.61 218.25 Td (to ) Tj ET Q q 0 0 0 rg BT 377.79 218.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 404.65 218.25 Td (and ) Tj ET Q q 0 0 0 rg BT 421.49 218.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 455.57 218.25 Td (the ) Tj ET Q q 0 0 0 rg BT 470.19 218.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 492.42 218.25 Td (s ) Tj ET Q q 0 0 0 rg BT 498.72 218.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 527.78 218.25 Td (position. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 206.25 Td (For ) Tj ET Q q 0 0 0 rg BT 84.00 206.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 126.60 206.25 Td (information ) Tj ET Q q 0 0 0 rg BT 176.43 206.25 Td (on ) Tj ET Q q 0 0 0 rg BT 189.04 206.25 Td (these ) Tj ET Q q 0 0 0 rg BT 212.20 206.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 254.52 206.25 Td (including ) Tj ET Q q 0 0 0 rg BT 294.90 206.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.73 206.25 Td (Collins ) Tj ET Q q 0 0 0 rg BT 341.24 206.25 Td (Floor) Tj ET Q q 0 0 0 rg BT 362.51 206.25 Td (, ) Tj ET Q q 0 0 0 rg BT 367.62 206.25 Td (see ) Tj ET Q q 0 0 0 rg BT 383.00 206.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 414.49 206.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 435.44 206.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 490.25 206.25 Td (on ) Tj ET Q q 0 0 0 rg BT 502.87 206.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 528.25 206.25 Td (76-85 ) Tj ET Q q 0 0 0 rg BT 554.19 206.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 194.25 Td (the ) Tj ET Q q 0 0 0 rg BT 81.52 194.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 103.75 194.25 Td (s ) Tj ET Q q 0 0 0 rg BT 109.05 194.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 140.29 194.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 169.31 194.25 Td (on ) Tj ET Q q 0 0 0 rg BT 181.11 194.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 204.59 194.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 226.94 194.25 Td (for ) Tj ET Q q 0 0 0 rg BT 240.41 194.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.43 194.25 Td (year ) Tj ET Q q 0 0 0 rg BT 273.44 194.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 299.12 194.25 Td (December ) Tj ET Q q 0 0 0 rg BT 342.01 194.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 356.31 194.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 378.12 194.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.36 194.25 Td (pages ) Tj ET Q q 0 0 0 rg BT 418.93 194.25 Td (42-48 ) Tj ET Q q 0 0 0 rg BT 444.07 194.25 Td (of ) Tj ET Q q 0 0 0 rg BT 454.20 194.25 Td (the ) Tj ET Q q 0 0 0 rg BT 468.22 194.25 Td (Firm's ) Tj ET Q q 0 0 0 rg BT 495.17 194.25 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 535.29 194.25 Td (Report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 182.25 Td (on ) Tj ET Q q 0 0 0 rg BT 80.00 182.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 104.17 182.25 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 127.22 182.25 Td (for ) Tj ET Q q 0 0 0 rg BT 141.38 182.25 Td (the ) Tj ET Q q 0 0 0 rg BT 156.10 182.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 186.91 182.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 213.29 182.25 Td (September ) Tj ET Q q 0 0 0 rg BT 258.55 182.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 273.55 182.25 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 158.25 Td (f. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 158.25 Td (Core ) Tj ET Q q 0 0 0 rg BT 89.14 158.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 112.44 158.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 151.28 158.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.59 158.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 220.10 158.25 Td (central ) Tj ET Q q 0 0 0 rg BT 249.50 158.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.48 158.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.89 158.25 Td (Firm? Tj ET Q q 0 0 0 rg BT 296.12 158.25 Td (s ) Tj ET Q q 0 0 0 rg BT 302.21 158.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 337.18 158.25 Td (businesses; ) Tj ET Q q 0 0 0 rg BT 384.38 158.25 Td (core ) Tj ET Q q 0 0 0 rg BT 403.78 158.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 427.09 158.25 Td (exclude ) Tj ET Q q 0 0 0 rg BT 460.38 158.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 483.69 158.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 523.65 158.25 Td (as ) Tj ET Q q 0 0 0 rg BT 534.17 158.25 Td (trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 146.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 95.83 146.25 Td (runof) Tj ET Q q 0 0 0 rg BT 117.31 146.25 Td (f ) Tj ET Q q 0 0 0 rg BT 123.14 146.25 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 167.03 146.25 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 220.63 146.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 262.02 146.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.96 146.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 320.34 146.25 Td (the ) Tj ET Q q 0 0 0 rg BT 335.06 146.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 357.01 146.25 Td (has ) Tj ET Q q 0 0 0 rg BT 372.84 146.25 Td (an ) Tj ET Q q 0 0 0 rg BT 384.78 146.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 410.05 146.25 Td (to ) Tj ET Q q 0 0 0 rg BT 420.33 146.25 Td (exit.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 772.60 Td (JPMor) Tj ET Q q 0 0 0 rg BT 76.49 772.60 Td (ganChase & Co.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 760.60 Td (News Release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 740.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 97.57 740.25 Td (notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 710.25 Td (Last ) Tj ET Q q 0 0 0 rg BT 87.22 710.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 116.37 710.25 Td (months ) Tj ET Q q 0 0 0 rg BT 148.32 710.25 Td (\(L) Tj ET Q q 0 0 0 rg BT 161.28 710.25 Td (TM\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 692.25 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 692.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.44 692.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 692.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 118.88 692.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 146.38 692.25 Td (to ) Tj ET Q q 0 0 0 rg BT 156.66 692.25 Td (employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 674.25 Td (Percentage ) Tj ET Q q 0 0 0 rg BT 114.22 674.25 Td (comparisons ) Tj ET Q q 0 0 0 rg BT 167.63 674.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 192.71 674.25 Td (in ) Tj ET Q q 0 0 0 rg BT 203.35 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 218.42 674.25 Td (bullet ) Tj ET Q q 0 0 0 rg BT 244.06 674.25 Td (points ) Tj ET Q q 0 0 0 rg BT 271.37 674.25 Td (are ) Tj ET Q q 0 0 0 rg BT 286.43 674.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 329.82 674.25 Td (for ) Tj ET Q q 0 0 0 rg BT 344.34 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 359.42 674.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 386.72 674.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 417.89 674.25 Td (of ) Tj ET Q q 0 0 0 rg BT 429.08 674.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 451.94 674.25 Td (versus ) Tj ET Q q 0 0 0 rg BT 480.36 674.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.43 674.25 Td (prior) Tj ET Q q 0 0 0 rg BT 514.67 674.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 538.07 674.25 Td (fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 662.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 95.42 662.25 Td (, ) Tj ET Q q 0 0 0 rg BT 100.42 662.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 127.92 662.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 169.29 662.25 Td (specified. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.25 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 644.25 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 106.66 644.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 158.58 644.25 Td (Card.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 626.25 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 626.25 Td (Represents ) Tj ET Q q 0 0 0 rg BT 113.99 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 128.82 626.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 169.75 626.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 199.58 626.25 Td (of ) Tj ET Q q 0 0 0 rg BT 210.52 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 225.16 626.25 Td (TCJA; ) Tj ET Q q 0 0 0 rg BT 254.44 626.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.27 626.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 305.20 626.25 Td (may ) Tj ET Q q 0 0 0 rg BT 325.03 626.25 Td (be ) Tj ET Q q 0 0 0 rg BT 337.08 626.25 Td (refined ) Tj ET Q q 0 0 0 rg BT 368.01 626.25 Td (in ) Tj ET Q q 0 0 0 rg BT 378.40 626.25 Td (future ) Tj ET Q q 0 0 0 rg BT 404.89 626.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 436.94 626.25 Td (as ) Tj ET Q q 0 0 0 rg BT 447.88 626.25 Td (further ) Tj ET Q q 0 0 0 rg BT 477.70 626.25 Td (information ) Tj ET Q q 0 0 0 rg BT 527.53 626.25 Td (becomes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 614.25 Td (available.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 596.25 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 596.25 Td (The ) Tj ET Q q 0 0 0 rg BT 85.55 596.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 118.05 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.88 596.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.15 596.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.20 596.25 Td (to ) Tj ET Q q 0 0 0 rg BT 202.48 596.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 231.09 596.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 274.13 596.25 Td (new ) Tj ET Q q 0 0 0 rg BT 293.30 596.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.24 596.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.61 596.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 374.38 596.25 Td (including ) Tj ET Q q 0 0 0 rg BT 414.66 596.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.27 596.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.21 596.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 514.47 596.25 Td (The ) Tj ET Q q 0 0 0 rg BT 532.52 596.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 584.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.90 584.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 102.74 584.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 140.36 584.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.22 584.25 Td (small ) Tj ET Q q 0 0 0 rg BT 173.96 584.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 218.25 584.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 249.75 584.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.93 584.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.44 584.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 329.27 584.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 350.23 584.25 Td (of ) Tj ET Q q 0 0 0 rg BT 360.64 584.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.48 584.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 423.10 584.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.17 584.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 478.35 584.25 Td (& ) Tj ET Q q 0 0 0 rg BT 488.21 584.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 525.84 584.25 Td (Banking; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 572.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 92.14 572.25 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 133.16 572.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 169.75 572.25 Td (& ) Tj ET Q q 0 0 0 rg BT 179.63 572.25 Td (Auto; ) Tj ET Q q 0 0 0 rg BT 205.12 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 222.26 572.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 274.39 572.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 313.29 572.25 Td (The ) Tj ET Q q 0 0 0 rg BT 331.54 572.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 364.24 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 375.28 572.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 400.75 572.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 439.00 572.25 Td (to ) Tj ET Q q 0 0 0 rg BT 449.48 572.25 Td (nonprofit ) Tj ET Q q 0 0 0 rg BT 489.40 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 506.55 572.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 527.03 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 544.18 572.25 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 560.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.07 560.25 Td (government ) Tj ET Q q 0 0 0 rg BT 138.62 560.25 Td (entities, ) Tj ET Q q 0 0 0 rg BT 172.78 560.25 Td (including ) Tj ET Q q 0 0 0 rg BT 213.34 560.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 233.91 560.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 261.41 560.25 Td (municipalities, ) Tj ET Q q 0 0 0 rg BT 323.35 560.25 Td (hospitals ) Tj ET Q q 0 0 0 rg BT 361.69 560.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.91 560.25 Td (universities, ) Tj ET Q q 0 0 0 rg BT 430.30 560.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 473.62 560.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 499.17 560.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 537.50 560.25 Td (by ) Tj ET Q q 0 0 0 rg BT 550.29 560.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 548.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 109.99 548.25 Td (& ) Tj ET Q q 0 0 0 rg BT 120.26 548.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 167.20 548.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 190.81 548.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.74 548.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 259.67 548.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 530.25 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 530.25 Td (Formerly ) Tj ET Q q 0 0 0 rg BT 107.22 530.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 148.59 530.25 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 512.25 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 512.25 Td (Formerly ) Tj ET Q q 0 0 0 rg BT 107.22 512.25 Td (Card, ) Tj ET Q q 0 0 0 rg BT 131.66 512.25 Td (Commerce ) Tj ET Q q 0 0 0 rg BT 178.03 512.25 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 218.32 512.25 Td (& ) Tj ET Q q 0 0 0 rg BT 228.04 512.25 Td (Auto.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 494.25 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 494.25 Td (Ener) Tj ET Q q 0 0 0 rg BT 86.20 494.25 Td (gy ) Tj ET Q q 0 0 0 rg BT 98.70 494.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 134.52 494.25 Td (Oil ) Tj ET Q q 0 0 0 rg BT 149.80 494.25 Td (& ) Tj ET Q q 0 0 0 rg BT 160.08 494.25 Td (Gas, ) Tj ET Q q 0 0 0 rg BT 180.63 494.25 Td (Natural ) Tj ET Q q 0 0 0 rg BT 213.12 494.25 Td (Gas ) Tj ET Q q 0 0 0 rg BT 231.17 494.25 Td (Pipelines, ) Tj ET Q q 0 0 0 rg BT 272.83 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.77 494.25 Td (Metals ) Tj ET Q q 0 0 0 rg BT 319.49 494.25 Td (& ) Tj ET Q q 0 0 0 rg BT 329.77 494.25 Td (Mining.) 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 /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 ($2.5 ) Tj ET Q q 0 0 0 rg BT 430.02 725.70 Td (trillion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.24 725.70 Td ( ) Tj ET Q q 0 0 0 rg BT 458.54 725.70 Td (and ) Tj ET Q q 0 0 0 rg BT 474.29 725.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 517.25 725.70 Td (worldwide. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.70 Td (The ) Tj ET Q q 0 0 0 rg BT 67.21 713.70 Td (Firm ) Tj ET Q q 0 0 0 rg BT 88.82 713.70 Td (is ) Tj ET Q q 0 0 0 rg BT 97.65 713.70 Td (a ) Tj ET Q q 0 0 0 rg BT 104.26 713.70 Td (leader ) Tj ET Q q 0 0 0 rg BT 130.84 713.70 Td (in ) Tj ET Q q 0 0 0 rg BT 140.78 713.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 186.83 713.70 Td (banking, ) Tj ET Q q 0 0 0 rg BT 223.71 713.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 260.85 713.70 Td (services ) Tj ET Q q 0 0 0 rg BT 295.22 713.70 Td (for ) Tj ET Q q 0 0 0 rg BT 309.05 713.70 Td (consumers ) Tj ET Q q 0 0 0 rg BT 353.98 713.70 Td (and ) Tj ET Q q 0 0 0 rg BT 370.58 713.70 Td (small ) Tj ET Q q 0 0 0 rg BT 394.41 713.70 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 441.29 713.70 Td (commercial ) Tj ET Q q 0 0 0 rg BT 490.65 713.70 Td (banking, ) Tj ET Q q 0 0 0 rg BT 527.53 713.70 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 701.70 Td (transaction ) Tj ET Q q 0 0 0 rg BT 95.60 701.70 Td (processing, ) Tj ET Q q 0 0 0 rg BT 143.09 701.70 Td (and ) Tj ET Q q 0 0 0 rg BT 159.75 701.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 181.41 701.70 Td (management. ) Tj ET Q q 0 0 0 rg BT 236.74 701.70 Td (A) Tj ET Q q 0 0 0 rg BT 243.41 701.70 Td ( ) Tj ET Q q 0 0 0 rg BT 245.63 701.70 Td (component ) Tj ET Q q 0 0 0 rg BT 292.29 701.70 Td (of ) Tj ET Q q 0 0 0 rg BT 302.84 701.70 Td (the ) Tj ET Q q 0 0 0 rg BT 317.28 701.70 Td (Dow ) Tj ET Q q 0 0 0 rg BT 338.95 701.70 Td (Jones ) Tj ET Q q 0 0 0 rg BT 363.40 701.70 Td (Industrial ) Tj ET Q q 0 0 0 rg BT 403.46 701.70 Td (A) Tj ET Q q 0 0 0 rg BT 409.93 701.70 Td (verage, ) Tj ET Q q 0 0 0 rg BT 441.30 701.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 467.80 701.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 484.46 701.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 511.12 701.70 Td (& ) Tj ET Q q 0 0 0 rg BT 521.13 701.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 537.52 701.70 Td (serves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 689.70 Td (millions ) Tj ET Q q 0 0 0 rg BT 84.29 689.70 Td (of ) Tj ET Q q 0 0 0 rg BT 94.63 689.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 137.19 689.70 Td (in ) Tj ET Q q 0 0 0 rg BT 146.97 689.70 Td (the ) Tj ET Q q 0 0 0 rg BT 161.20 689.70 Td (United ) Tj ET Q q 0 0 0 rg BT 190.42 689.70 Td (States ) Tj ET Q q 0 0 0 rg BT 216.32 689.70 Td (and ) Tj ET Q q 0 0 0 rg BT 232.76 689.70 Td (many ) Tj ET Q q 0 0 0 rg BT 256.99 689.70 Td (of ) Tj ET Q q 0 0 0 rg BT 267.33 689.70 Td (the ) Tj ET Q q 0 0 0 rg BT 281.55 689.70 Td (world? Tj ET Q q 0 0 0 rg BT 307.66 689.70 Td (s ) Tj ET Q q 0 0 0 rg BT 313.56 689.70 Td (most ) Tj ET Q q 0 0 0 rg BT 335.02 689.70 Td (prominent ) Tj ET Q q 0 0 0 rg BT 378.13 689.70 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 420.39 689.70 Td (institutional ) Tj ET Q q 0 0 0 rg BT 470.18 689.70 Td (and ) Tj ET Q q 0 0 0 rg BT 486.62 689.70 Td (government ) Tj ET Q q 0 0 0 rg BT 536.40 689.70 Td (clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.70 Td (under ) Tj ET Q q 0 0 0 rg BT 74.77 677.70 Td (its ) Tj ET Q q 0 0 0 rg BT 86.72 677.70 Td (J.P) Tj ET Q q 0 0 0 rg BT 97.56 677.70 Td (. ) Tj ET Q q 0 0 0 rg BT 102.56 677.70 Td (Mor) Tj ET Q q 0 0 0 rg BT 119.60 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 136.54 677.70 Td (and ) Tj ET Q q 0 0 0 rg BT 153.48 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 180.42 677.70 Td (brands. ) Tj ET Q q 0 0 0 rg BT 212.08 677.70 Td (Information ) Tj ET Q q 0 0 0 rg BT 262.34 677.70 Td (about ) Tj ET Q q 0 0 0 rg BT 287.06 677.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 313.55 677.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 330.49 677.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 357.43 677.70 Td (& ) Tj ET Q q 0 0 0 rg BT 367.71 677.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 384.38 677.70 Td (is ) Tj ET Q q 0 0 0 rg BT 393.55 677.70 Td (available ) Tj ET Q q 0 0 0 rg BT 432.14 677.70 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 441.85 677.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 462.87 677.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 489.08 677.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 545.44 677.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.70 Td (JPMor) Tj ET Q q 0 0 0 rg BT 75.99 653.70 Td (gan ) Tj ET Q q 0 0 0 rg BT 92.88 653.70 Td (Chase ) Tj ET Q q 0 0 0 rg BT 119.77 653.70 Td (& ) Tj ET Q q 0 0 0 rg BT 130.00 653.70 Td (Co. ) Tj ET Q q 0 0 0 rg BT 146.61 653.70 Td (will ) Tj ET Q q 0 0 0 rg BT 164.62 653.70 Td (host ) Tj ET Q q 0 0 0 rg BT 183.74 653.70 Td (a ) Tj ET Q q 0 0 0 rg BT 190.63 653.70 Td (conference ) Tj ET Q q 0 0 0 rg BT 236.93 653.70 Td (call ) Tj ET Q q 0 0 0 rg BT 253.81 653.70 Td (today) Tj ET Q q 0 0 0 rg BT 275.38 653.70 Td (, ) Tj ET Q q 0 0 0 rg BT 280.33 653.70 Td (January ) Tj ET Q q 0 0 0 rg BT 313.87 653.70 Td (12, ) Tj ET Q q 0 0 0 rg BT 328.82 653.70 Td (2018, ) Tj ET Q q 0 0 0 rg BT 353.77 653.70 Td (at ) Tj ET Q q 0 0 0 rg BT 363.44 653.70 Td (8:30 ) Tj ET Q q 0 0 0 rg BT 383.66 653.70 Td (a.m. ) Tj ET Q q 0 0 0 rg BT 403.33 653.70 Td (\(Eastern\) ) Tj ET Q q 0 0 0 rg BT 442.42 653.70 Td (to ) Tj ET Q q 0 0 0 rg BT 452.65 653.70 Td (present ) Tj ET Q q 0 0 0 rg BT 483.98 653.70 Td (fourth-quarter ) Tj ET Q q 0 0 0 rg BT 542.51 653.70 Td (2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.91 641.70 Td (results. ) Tj ET Q q 0 0 0 rg BT 117.78 641.70 Td (The ) Tj ET Q q 0 0 0 rg BT 135.76 641.70 Td (general ) Tj ET Q q 0 0 0 rg BT 167.62 641.70 Td (public ) Tj ET Q q 0 0 0 rg BT 195.05 641.70 Td (can ) Tj ET Q q 0 0 0 rg BT 211.36 641.70 Td (access ) Tj ET Q q 0 0 0 rg BT 239.33 641.70 Td (the ) Tj ET Q q 0 0 0 rg BT 253.98 641.70 Td (call ) Tj ET Q q 0 0 0 rg BT 270.85 641.70 Td (by ) Tj ET Q q 0 0 0 rg BT 283.28 641.70 Td (dialing ) Tj ET Q q 0 0 0 rg BT 313.49 641.70 Td (\(866\) ) Tj ET Q q 0 0 0 rg BT 337.59 641.70 Td (541-2724 ) Tj ET Q q 0 0 0 rg BT 378.35 641.70 Td (in ) Tj ET Q q 0 0 0 rg BT 388.56 641.70 Td (the ) Tj ET Q q 0 0 0 rg BT 403.21 641.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 423.43 641.70 Td (and ) Tj ET Q q 0 0 0 rg BT 440.30 641.70 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 475.22 641.70 Td (or ) Tj ET Q q 0 0 0 rg BT 485.99 641.70 Td (\(706\) ) Tj ET Q q 0 0 0 rg BT 510.08 641.70 Td (634-7246 ) Tj ET Q q 0 0 0 rg BT 550.85 641.70 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.70 Td (international ) Tj ET Q q 0 0 0 rg BT 102.95 629.70 Td (participants. ) Tj ET Q q 0 0 0 rg BT 155.02 629.70 Td (Please ) Tj ET Q q 0 0 0 rg BT 183.49 629.70 Td (dial ) Tj ET Q q 0 0 0 rg BT 201.40 629.70 Td (in ) Tj ET Q q 0 0 0 rg BT 212.10 629.70 Td (10 ) Tj ET Q q 0 0 0 rg BT 225.01 629.70 Td (minutes ) Tj ET Q q 0 0 0 rg BT 259.60 629.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 281.95 629.70 Td (to ) Tj ET Q q 0 0 0 rg BT 292.65 629.70 Td (the ) Tj ET Q q 0 0 0 rg BT 307.78 629.70 Td (start ) Tj ET Q q 0 0 0 rg BT 327.92 629.70 Td (of ) Tj ET Q q 0 0 0 rg BT 339.16 629.70 Td (the ) Tj ET Q q 0 0 0 rg BT 354.30 629.70 Td (call. ) Tj ET Q q 0 0 0 rg BT 373.94 629.70 Td (The ) Tj ET Q q 0 0 0 rg BT 392.40 629.70 Td (live ) Tj ET Q q 0 0 0 rg BT 410.31 629.70 Td (audio ) Tj ET Q q 0 0 0 rg BT 435.45 629.70 Td (webcast ) Tj ET Q q 0 0 0 rg BT 470.57 629.70 Td (and ) Tj ET Q q 0 0 0 rg BT 487.93 629.70 Td (presentation ) Tj ET Q q 0 0 0 rg BT 539.72 629.70 Td (slides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 617.70 Td (will ) Tj ET Q q 0 0 0 rg BT 67.56 617.70 Td (be ) Tj ET Q q 0 0 0 rg BT 79.50 617.70 Td (available ) Tj ET Q q 0 0 0 rg BT 118.08 617.70 Td (on ) Tj ET Q q 0 0 0 rg BT 130.58 617.70 Td (the ) Tj ET Q q 0 0 0 rg BT 145.30 617.70 Td (Firm? Tj ET Q q 0 0 0 rg BT 167.53 617.70 Td (s ) Tj ET Q q 0 0 0 rg BT 173.92 617.70 Td (website, ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 209.47 617.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 230.48 617.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 256.69 617.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 313.05 617.70 Td (, ) Tj ET Q q 0 0 0 rg BT 318.05 617.70 Td (under ) Tj ET Q q 0 0 0 rg BT 343.32 617.70 Td (Investor ) Tj ET Q q 0 0 0 rg BT 378.59 617.70 Td (Relations, ) Tj ET Q q 0 0 0 rg BT 421.36 617.70 Td (Events ) Tj ET Q q 0 0 0 rg BT 451.08 617.70 Td (& ) Tj ET Q q 0 0 0 rg BT 461.36 617.70 Td (Presentations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 593.70 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 593.70 Td ( ) Tj ET Q q 0 0 0 rg BT 58.81 593.70 Td (replay ) Tj ET Q q 0 0 0 rg BT 86.43 593.70 Td (of ) Tj ET Q q 0 0 0 rg BT 97.39 593.70 Td (the ) Tj ET Q q 0 0 0 rg BT 112.25 593.70 Td (conference ) Tj ET Q q 0 0 0 rg BT 158.73 593.70 Td (call ) Tj ET Q q 0 0 0 rg BT 175.80 593.70 Td (will ) Tj ET Q q 0 0 0 rg BT 194.00 593.70 Td (be ) Tj ET Q q 0 0 0 rg BT 206.07 593.70 Td (available ) Tj ET Q q 0 0 0 rg BT 244.79 593.70 Td (beginning ) Tj ET Q q 0 0 0 rg BT 287.42 593.70 Td (at ) Tj ET Q q 0 0 0 rg BT 297.28 593.70 Td (approximately ) Tj ET Q q 0 0 0 rg BT 357.67 593.70 Td (12:30 ) Tj ET Q q 0 0 0 rg BT 383.09 593.70 Td (p.m. ) Tj ET Q q 0 0 0 rg BT 403.50 593.70 Td (on ) Tj ET Q q 0 0 0 rg BT 416.14 593.70 Td (January ) Tj ET Q q 0 0 0 rg BT 449.87 593.70 Td (12, ) Tj ET Q q 0 0 0 rg BT 465.01 593.70 Td (2018, ) Tj ET Q q 0 0 0 rg BT 490.14 593.70 Td (through ) Tj ET Q q 0 0 0 rg BT 523.89 593.70 Td (midnight, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.70 Td (January ) Tj ET Q q 0 0 0 rg BT 83.86 581.70 Td (26, ) Tj ET Q q 0 0 0 rg BT 99.62 581.70 Td (2018, ) Tj ET Q q 0 0 0 rg BT 125.38 581.70 Td (by ) Tj ET Q q 0 0 0 rg BT 138.64 581.70 Td (telephone ) Tj ET Q q 0 0 0 rg BT 180.77 581.70 Td (at ) Tj ET Q q 0 0 0 rg BT 191.25 581.70 Td (\(800\) ) Tj ET Q q 0 0 0 rg BT 216.17 581.70 Td (585-8367 ) Tj ET Q q 0 0 0 rg BT 257.76 581.70 Td (\(U.S. ) Tj ET Q q 0 0 0 rg BT 282.14 581.70 Td (and ) Tj ET Q q 0 0 0 rg BT 299.84 581.70 Td (Canada\) ) Tj ET Q q 0 0 0 rg BT 336.41 581.70 Td (or ) Tj ET Q q 0 0 0 rg BT 348.00 581.70 Td (\(404\) ) Tj ET Q q 0 0 0 rg BT 372.92 581.70 Td (537-3406 ) Tj ET Q q 0 0 0 rg BT 414.52 581.70 Td (\(international\); ) Tj ET Q q 0 0 0 rg BT 477.75 581.70 Td (use ) Tj ET Q q 0 0 0 rg BT 494.34 581.70 Td (Conference ) Tj ET Q q 0 0 0 rg BT 543.69 581.70 Td (ID ) Tj ET Q q 0 0 0 rg BT 557.50 581.70 Td (# ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 569.70 Td (6397578. ) Tj ET Q q 0 0 0 rg BT 91.29 569.70 Td (The ) Tj ET Q q 0 0 0 rg BT 111.45 569.70 Td (replay ) Tj ET Q q 0 0 0 rg BT 141.06 569.70 Td (will ) Tj ET Q q 0 0 0 rg BT 161.23 569.70 Td (also ) Tj ET Q q 0 0 0 rg BT 181.96 569.70 Td (be ) Tj ET Q q 0 0 0 rg BT 196.02 569.70 Td (available ) Tj ET Q q 0 0 0 rg BT 236.73 569.70 Td (via ) Tj ET Q q 0 0 0 rg BT 253.56 569.70 Td (webcast ) Tj ET Q q 0 0 0 rg BT 290.39 569.70 Td (on ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 305.01 569.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 326.03 569.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 352.23 569.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 408.59 569.70 Td ( ) Tj ET Q q 0 0 0 rg BT 413.21 569.70 Td (under ) Tj ET Q q 0 0 0 rg BT 440.60 569.70 Td (Investor ) Tj ET Q q 0 0 0 rg BT 477.99 569.70 Td (Relations, ) Tj ET Q q 0 0 0 rg BT 522.88 569.70 Td (Events ) Tj ET Q q 0 0 0 rg BT 554.72 569.70 Td (& ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 557.70 Td (Presentations. ) Tj ET Q q 0 0 0 rg BT 106.97 557.70 Td (Additional ) Tj ET Q q 0 0 0 rg BT 151.86 557.70 Td (detailed ) Tj ET Q q 0 0 0 rg BT 185.63 557.70 Td (financial, ) Tj ET Q q 0 0 0 rg BT 225.22 557.70 Td (statistical ) Tj ET Q q 0 0 0 rg BT 265.10 557.70 Td (and ) Tj ET Q q 0 0 0 rg BT 281.66 557.70 Td (business-related ) Tj ET Q q 0 0 0 rg BT 348.19 557.70 Td (information ) Tj ET Q q 0 0 0 rg BT 397.52 557.70 Td (is ) Tj ET Q q 0 0 0 rg BT 406.30 557.70 Td (included ) Tj ET Q q 0 0 0 rg BT 442.85 557.70 Td (in ) Tj ET Q q 0 0 0 rg BT 452.74 557.70 Td (a ) Tj ET Q q 0 0 0 rg BT 459.30 557.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 496.39 557.70 Td (supplement. ) Tj ET Q q 0 0 0 rg BT 546.96 557.70 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 545.70 Td (earnings ) Tj ET Q q 0 0 0 rg BT 85.88 545.70 Td (release ) Tj ET Q q 0 0 0 rg BT 116.13 545.70 Td (and ) Tj ET Q q 0 0 0 rg BT 133.07 545.70 Td (the ) Tj ET Q q 0 0 0 rg BT 147.79 545.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 185.27 545.70 Td (supplement ) Tj ET Q q 0 0 0 rg BT 233.87 545.70 Td (are ) Tj ET Q q 0 0 0 rg BT 248.58 545.70 Td (available ) Tj ET Q q 0 0 0 rg BT 287.17 545.70 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 296.88 545.70 Td (www) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 317.90 545.70 Td (.jpmor) Tj ET Q q 0.30980392156862746 0.5058823529411764 0.7411764705882353 rg BT 344.10 545.70 Td (ganchase.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 400.47 545.70 Td (.) 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