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The benefit resulted in a reduction in the Firm's effective tax rate of 4.1 percentage\npoints in the fourth quarter of 2023.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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QUARTERLY TRENDS FULL YEAR 4Q23 Change 2023 Change REVENUE 4Q23 3Q23 2Q23 1Q23 4Q22 3Q23 4Q22 2023 2022 2022 Investment banking fees $ 1,635 $ 1,722 $ 1,513 $ 1,649 $ 1,418 (5)% 15% $ 6,519 $ 6,686 (2)% Principal transactions 3,725 6,210 6,910 7,615 4,434 (40) (16) 24,460 19,912 23 Lending- and deposit-related fees 1,926 2,039 1,828 1,620 1,655 (6) 16 7,413 7,098 4 Asset management fees 4,077 3,904 3,774 3,465 3,432 4 19 15,220 14,096 8 Commissions and other fees 1,697 1,705 1,739 1,695 1,574 8 6,836 6,581 4 Investment securities losses (743) (669) (900) (868) (874) (11) 15 (3,180) (2,380) (34) Mortgage fees and related income 263 414 278 221 98 (36) 168 1,176 1,250 (6) Card income 1,247 1,209 1,094 1,234 1,226 3 2 4,784 4,420 8 Other income 696 614 3,292 1,007 1,392 13 (50) 5,609 4,322 30 Noninterest revenue 14,523 17,148 19,528 17,638 14,355 (15) 1 68,837 61,985 11 Interest income 47,384 44,556 41,644 37,004 33,054 6 43 170,588 92,807 84 Interest expense 23,333 21,830 19,865 16,293 12,862 7 81 81,321 26,097 212 Net interest income 24,051 22,726 21,779 20,711 20,192 6 19 89,267 66,710 34 TOTAL NET REVENUE 38,574 39,874 41,307 38,349 34,547 (3) 12 158,104 128,695 23 Provision for credit losses 2,762 1,384 2,899 2,275 2,288 100 21 9,320 6,389 46 NONINTEREST EXPENSE Compensation expense 11,847 11,726 11,216 11,676 10,009 1 18 46,465 41,636 12 Occupancy expense 1,208 1,197 1,070 1,115 1,271 1 (5) 4,590 4,696 (2) Technology, communications and equipment expense 2,409 2,386 2,267 2,184 2,256 1 7 9,246 9,358 (1) Professional and outside services 2,606 2,620 2,561 2,448 2,652 (1) (2) 10,235 10,174 1 Marketing 1,298 1,126 1,122 1,045 1,093 15 19 4,591 3,911 17 Other expense (a) 5,118 (d) 2,702 2,586 1,639 1,741 89 194 12,045 (d) 6,365 89 TOTAL NONINTEREST EXPENSE 24,486 21,757 20,822 20,107 19,022 13 29 87,172 76,140 14 Income before income tax expense 11,326 16,733 17,586 15,967 13,237 (32) (14) 61,612 46,166 33 Income tax expense 2,019 (e) 3,582 3,114 (f) 3,345 2,229 (44) (9) 12,060 (e)(f) 8,490 42 NET INCOME $ 9,307 $ 13,151 $ 14,472 $ 12,622 $ 11,008 (29) (15) $ 49,552 $ 37,676 32 NET INCOME PER COMMON SHARE DATA Basic earnings per share $ 3.04 $ 4.33 $ 4.76 $ 4.11 $ 3.58 (30) (15) $ 16.25 $ 12.10 34 Diluted earnings per share 3.04 4.33 4.75 4.10 3.57 (30) (15) 16.23 12.09 34 FINANCIAL RATIOS Return on common equity (b) 12% 18% 20% 18% 16% 17% 14% Return on tangible common equity (b)(c) 15 22 25 23 20 21 18 Return on assets (b) 0.95 1.36 1.51 1.38 1.16 1.30 0.98 Effective income tax rate 17.8 (e) 21.4 17.7 (f) 20.9 16.8 19.6 18.4 Overhead ratio 63 55 50 52 55 55 59", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:55.246+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "95678478-963b-43b3-8233-bf734de4997f", "parentComponentId": null }, { "bbox": { "h": 0.029, "w": 0.37, "x": 0.048, "y": 0.069 }, "kind": "title", "text": "CONSOLIDATED STATEMENTS OF INCOME", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:55.246+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f2fdf8ce-e81c-4713-8b98-616697d1f4b1", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "dc98f697-8d76-4431-a079-8f0ce88d61f8", "evidence": "table/data: JPMORGAN CHASE & Co. 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Refer to page 30 for additional information.\n(a) Included a five-year $50 billion Purchase Money Note issued to the FDIC, as well as FHLB advances associated with the First Republic acquisition.\n(b) Included an addition to the allowance for loan losses of $1.1 billion associated with the First Republic acquisition.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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Taxable-equivalent amounts are used where applicable.\n(d) Net yield on interest-earning assets excluding Markets is a non-GAAP financial measure. Refer to page 29 for further discussion of this measure.", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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debt and all other interest-bearing liabilities (b)\nBeneficial interests issued by consolidated VIEs\nLong-term debt\nTotal interest-bearing liabilities\nNoninterest-bearing deposits\nTrading liabilities - equity and other instruments\nTrading liabilities - derivative payables\nAll other noninterest-bearing liabilities\nTOTAL LIABILITIES\nPreferred stock\nCommon stockholders' equity\nTOTAL STOCKHOLDERS' EQUITY\nTOTAL LIABILITIES AND STOCKHOLDERS' EQUITY\nAVERAGE RATES (c)\nINTEREST-EARNING ASSETS\nDeposits with banks\nFederal funds sold and securities purchased under resale agreements\nSecurities borrowed\nTrading assets - debt instruments\nInvestment securities\nLoans\nAll other interest-earning assets (a)\nTotal interest-earning assets\nINTEREST-BEARING LIABILITIES\nInterest-bearing deposits\nFederal funds purchased and securities loaned or\nsold under repurchase agreements\nShort-term borrowings\nTrading liabilities - debt and all other interest-bearing liabilities (b)\nBeneficial interests issued by consolidated VIEs\nLong-term debt\nTotal interest-bearing liabilities\nINTEREST RATE SPREAD\nNET YIELD ON INTEREST-EARNING ASSETS\nMemo: Net yield on interest-earning assets excluding Markets (d)", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:46.737+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d8ec5cba-cc33-4153-9e4e-afcbc413db13", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.52, "x": 0.076, "y": 0.049 }, "kind": "title", "text": "CONDENSED AVERAGE BALANCE SHEETS AND ANNUALIZED YIELDS", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:46.737+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5b5e007c-6754-4f14-a3c1-9fea47c4b1ff", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "4ae0188d-91e6-416b-b39f-490d9e0c5bb8", "evidence": "table/data: AVERAGE BALANCES", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:59:39.205084+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 7, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 10, "arc": { "name": "Monroe's Motivated Sequence", "slug": "monroes-sequence", "status": "active", "bestFor": "Persuasive speeches, call-to-action decks", "canonId": "019dd956-5f25-7189-a428-2e6d7f9e5606", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Attention -> Need -> Satisfaction -> Visualization -> Action", "description": null, "familyLabel": null }, "from": 5, "name": "Need", "beatId": "55877764-c4be-4ff5-9a23-7ff191cbbd08", "matchId": "3a8e2d6b-a107-4a6e-a36c-294efe3ff0eb", "beatType": { "name": "Need", "slug": "monroes-sequence-need", "status": "active", "canonId": "019dd9b8-160b-710a-b2d6-2bafabd78694", "version": 1, "description": null }, "evidence": "The presentation then delves into detailed financial information to address investor needs", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. 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That presentation, which is referred to as \"reported\" basis, provides the reader with an understanding of the Firm's results that can be tracked consistently from year-to-year and enables a comparison of the Firm's performance with other companies' U.S. GAAP financial statements. In addition to analyzing the Firm's results on a reported basis, management reviews Firmwide results, including the overhead ratio, on a \"managed\" basis; these Firmwide managed basis results are non-GAAP financial measures. The Firm also reviews the results of the lines of business on a managed basis. Refer to the notes on Non-GAAP Financial Measures on page 29 for additional information on managed basis.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:54.203+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a9d0a162-0179-4147-9cb7-78fae8cd0a69", "parentComponentId": null }, { "bbox": { "h": 0.013, "w": 0.66, "x": 0.03, "y": 0.209 }, "kind": "paragraph", "text": "The following summary table provides a reconciliation from reported U.S. GAAP results to managed basis.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:54.203+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c038de75-95f7-45b5-a5f2-39879bd3466c", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.04, "x": 0.906, "y": 0.96 }, "kind": "source-note", "text": "Page 7", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:54.203+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "23951b93-f0a0-4433-b2d1-8704070c026e", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.35, "x": 0.03, "y": 0.847 }, "kind": "source-note", "text": "(a) Predominantly recognized in CIB, CB and Corporate.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:54.203+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8cace30a-2d2f-4930-b1ec-9577e2903d3a", "parentComponentId": null }, { "bbox": { "h": 0.63, "w": 0.94, "x": 0.029, "y": 0.229 }, "kind": "table", "text": "QUARTERLY TRENDS\n4Q23\n3Q23\n2Q23\n1Q23\n4Q22\n4Q23 Change\n3Q23\n4Q22\nFULL YEAR\n2023\n2023 Change\n2022\n2022\nOTHER INCOME\nOther income - reported\n$ 696\n$ 614\n$ 3,292\n$ 1,007\n$ 1,392\n13 %\n(50)%\n$ 5,609\n$ 4,322\n30%\nFully taxable-equivalent adjustments (a)\n1,243\n682\n990\n867\n898\n82\n38\n3,782\n3,148\n20\nOther income - managed\n$ 1,939\n$ 1,296\n$ 4,282\n$ 1,874\n$ 2,290\n50\n(15)\n$ 9,391\n$ 7,470\n26\nTOTAL NONINTEREST REVENUE\nTotal noninterest revenue - reported\n$ 14,523\n$ 17,148\n$ 19,528\n$ 17,638\n$ 14,355\n(15)\n1\n$ 68,837\n$ 61,985\n11\nFully taxable-equivalent adjustments\n1,243\n682\n990\n867\n898\n82\n38\n3,782\n3,148\n20\nTotal noninterest revenue - managed\n$ 15,766\n$ 17,830\n$ 20,518\n$ 18,505\n$ 15,253\n(12)\n3\n$ 72,619\n$ 65,133\n11\nNET INTEREST INCOME\nNet interest income - reported\n$ 24,051\n$ 22,726\n$ 21,779\n$ 20,711\n$ 20,192\n6\n19\n$ 89,267\n$ 66,710\n34\nFully taxable-equivalent adjustments (a)\n126\n130\n104\n120\n121\n(3)\n4\n480\n434\n11\nNet interest income managed\n$ 24,177\n$ 22,856\n$ 21,883\n$ 20,831\n$ 20,313\n6\n19\n$ 89,747\n$ 67,144\n34\nTOTAL NET REVENUE\nTotal net revenue - reported\n$ 38,574\n$ 39,874\n$ 41,307\n$ 38,349\n$ 34,547\n(3)\n12\n$ 158,104\n$ 128,695\n23\nFully taxable-equivalent adjustments\n1,369\n812\n1,094\n987\n1,019\n69\n34\n4,262\n3,582\n19\nTotal net revenue - managed\n$ 39,943\n$ 40,686\n$ 42,401\n$ 39,336\n$ 35,566\n(2)\n12\n$ 162,366\n$ 132,277\n23\nPRE-PROVISION PROFIT\nPre-provision profit - reported\n$ 14,088\n$ 18,117\n$ 20,485\n$ 18,242\n$ 15,525\n(22)\n(9)\n$ 70,932\n$ 52,555\n35\nFully taxable-equivalent adjustments\n1,369\n812\n1,094\n987\n1,019\n69\n34\n4,262\n3,582\n19\nPre-provision profit - managed\n$ 15,457\n$ 18,929\n$ 21,579\n$ 19,229\n$ 16,544\n(18)\n(7)\n$ 75,194\n$ 56,137\n34\nINCOME BEFORE INCOME TAX EXPENSE\nIncome before income tax expense reported\n$ 11,326\n$ 16,733\n$ 17,586\n$ 15,967\n$ 13,237\n(32)\n(14)\n$ 61,612\n$ 46,166\n33\nFully taxable-equivalent adjustments\n1,369\n812\n1,094\n987\n1,019\n69\n34\n4,262\n3,582\n19\nIncome before income tax expense managed\n$ 12,695\n$ 17,545\n$ 18,680\n$ 16,954\n$ 14,256\n(28)\n(11)\n$ 65,874\n$ 49,748\n32\nINCOME TAX EXPENSE\nIncome tax expense reported\n$ 2,019\n$ 3,582\n$ 3,114\n$ 3,345\n$ 2,229\n(44)\n(9)\n$ 12,060\n$ 8,490\n42\nFully taxable-equivalent adjustments\n1,369\n812\n1,094\n987\n1,019\n69\n34\n4,262\n3,582\n19\nIncome tax expense managed\n$ 3,388\n$ 4,394\n$ 4,208\n$ 4,332\n$ 3,248\n(23)\n4\n$ 16,322\n$ 12,072\n35\nOVERHEAD RATIO\nOverhead ratio - reported\n63 %\n55%\n50 %\n52 %\n55 %\n55 %\n59%\nOverhead ratio - managed\n61\n53\n49\n51\n53\n54\n58", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:54.203+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "abd108fa-0cf4-4701-a258-40d5777c73e4", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.406, "x": 0.045, "y": 0.079 }, "kind": "title", "text": "RECONCILIATION FROM REPORTED TO MANAGED BASIS", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:54.203+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d8c912dc-e225-4db9-a739-71e40c3c238e", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 10, "arc": { "name": "Monroe's Motivated Sequence", "slug": "monroes-sequence", "status": "active", "bestFor": "Persuasive speeches, call-to-action decks", "canonId": "019dd956-5f25-7189-a428-2e6d7f9e5606", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Attention -> Need -> Satisfaction -> Visualization -> Action", "description": null, "familyLabel": null }, "from": 5, "name": "Need", "beatId": "55877764-c4be-4ff5-9a23-7ff191cbbd08", "matchId": "3a8e2d6b-a107-4a6e-a36c-294efe3ff0eb", "beatType": { "name": "Need", "slug": "monroes-sequence-need", "status": "active", "canonId": "019dd9b8-160b-710a-b2d6-2bafabd78694", "version": 1, "description": null }, "evidence": "The presentation then delves into detailed financial information to address investor needs", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. 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Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:52.16+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "def25c90-5f8b-4d94-83c8-fd8315199638", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.96, "x": 0.03, "y": 0.62 }, "kind": "source-note", "text": "(a) At December 31, 2023, September 30, 2023, June 30, 2023, March 31, 2023 and December 31, 2022 included $94 million, $129 million, $163 million, $205 million and $350 million of loans, respectively, in Business Banking under the Paycheck Protection Program (\"PPP\").\nRefer to pages 108-109 of the Firm's 2022 Form 10-K for further information on the PPP.\n(b) At December 31, 2023, September 30, 2023, June 30, 2023, March 31, 2023 and December 31, 2022, Home Lending loans held-for-sale and loans at fair value were $3.4 billion, $4.1 billion, $3.9 billion, $4.2 billion and $3.0 billion, respectively.\n(c) Average Home Lending loans held-for sale and loans at fair value were $4.7 billion, $5.7 billion, $5.3 billion, $3.5 billion and $4.5 billion for the three months ended December 31, 2023, September 30, 2023, June 30, 2023, March 31, 2023 and December 31, 2022, respectively,\nand $4.8 billion and $7.3 billion for the full year 2023 and 2022, respectively.\n(d) At December 31, 2023, included $4.0 billion and $90.7 billion for Banking & Wealth Management and Home Lending, respectively, $3.1 billion and $91.2 billion, respectively, at September 30, 2023, and $3.4 billion and $91.3 billion, respectively, at June 30, 2023, associated\nwith First Republic.\n(e) Includes First Republic. In the fourth quarter of 2023, CCB transferred certain deposits associated with First Republic to AWM, CB, and CIB. Refer to page 30 for additional information.\n(f) Average Banking & Wealth Management and Home Lending loans associated with First Republic were $3.4 billion and $91.1 billion, respectively, for the three months ended December 31, 2023, $3.2 billion and $91.1 billion, respectively, for the three months ended September\n30, 2023, $2.7 billion and $57.2 billion, respectively, for the three months ended June 30, 2023, and $2.4 billion and $60.2 billion, respectively, for the full year 2023.\n(g) Average deposits associated with First Republic were $42.9 billion, $66.7 billion and $47.2 billion for the three months ended December 31, 2023, September 30, 2023, and June 30, 2023, respectively, and $39.4 billion for the full year 2023.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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These amounts have been excluded based upon the government guarantee. In addition, the Firm's policy is generally to exempt credit card loans from being placed on nonaccrual status as permitted by regulatory guidance.\n(b) Generally excludes loans that were under payment deferral programs offered in response to the COVID-19 pandemic.\n(c) At December 31, 2023, September 30, 2023, June 30, 2023, March 31, 2023 and December 31, 2022, included $94 million, $129 million, $163 million, $205 million and $350 million of loans, respectively, under the PPP. Given that PPP loans are guaranteed by the SBA, the\nFirm does not expect to realize material credit losses on these loans. Refer to pages 108-109 of the Firm's 2022 Form 10-K for further information on the PPP.\n(d) At December 31, 2023, September 30, 2023, June 30, 2023, March 31, 2023 and December 31, 2022, the principal balance of loans under payment deferral programs offered in response to the COVID-19 pandemic was $29 million, $89 million, $177 million, $353 million and\n$449 million in Home Lending, respectively. Loans that are performing according to their modified terms are generally not considered delinquent.\n(e) At December 31, 2023, September 30, 2023, June 30, 2023, March 31, 2023 and December 31, 2022, excluded mortgage loans 30 or more days past due and insured by U.S. government agencies of $176 million, $175 million, $195 million, $219 million and $258 million,\nrespectively. These amounts have been excluded based upon the government guarantee.\n(f) At December 31, 2023, September 30, 2023, and June 30, 2023, included $396 million, $396 million, and $377 million allowance, respectively, associated with First Republic.\n(g) On January 1, 2023, the Firm adopted the Financial Instruments - Credit Losses: Troubled Debt Restructurings accounting guidance. The adoption of this guidance resulted in a net decrease in the allowance for loan losses of $591 million, driven by residential real estate and\ncredit card. Refer to Credit-related information on pages 27-28, and Note 1 of the Firm's Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2023 for further information.", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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Morgan mutual funds where AWM is the investment manager. Refer to AWM segment results on pages 21-23 for additional information. At December 31, 2023, September 30, 2023, and June 30, 2023, included $144.6\nbillion, $140.6 billion and $150.9 billion of client investment assets associated with First Republic, respectively.\n(e) Firmwide mortgage origination volume was $8.6 billion, $13.0 billion, $13.0 billion, $6.8 billion and $8.5 billion for the three months ended December 31, 2023, September 30, 2023, June 30, 2023, March 31, 2023 and December 31, 2022, respectively, and $41.4 billion and\n$81.8 billion for the full year 2023 and 2022, respectively.\n(f) Excludes First Republic.\n(g) Included $42.9 billion, $66.7 billion, and $47.2 billion for the three months ended December 31, 2023 September 30, 2023, and June 30, 2023, respectively, and $39.4 billion for the full year 2023, associated with First Republic.\n(h) Included $410 million, $730 million, and $1.1 billion for the three months ended December 31, 2023 September 30, 2023, and June 30, 2023, respectively, and $2.3 billion for the full year 2023, associated with First Republic.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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Prior-period amounts have been revised to conform with the current presentation.\n(c) Includes CB's share of revenue from Investment Banking and Markets' products sold to CB clients through the CIB which is reported in All other income.\n(d) Includes gross revenues earned by the Firm that are subject to a revenue sharing arrangement between CB and the CIB for Investment Banking and Markets' products sold to CB clients. This includes revenues related to fixed income and equity markets products. Refer to page 61\nof the Firm's 2022 Form 10-K for discussion of revenue sharing.\n(e) Includes First Republic. 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(b) Included $1.2 billion of provision for credit losses associated with the First Republic acquisition. (c) On January 1, 2023, the Firm adopted the Financial Instruments - Credit Losses: Troubled Debt Restructurings accounting guidance. The adoption of this guidance eliminated the existing accounting and disclosure requirements for trouble debt restructurings (\"TDRs\"), including the requirement to measure the allowance using a discounted cash flow (\"DCF\") methodology. The Firm elected to apply its portfolio-based allowance approach to substantially all its non-collateral dependent modified loans to troubled borrowers, resulting in a net decrease in the beginning balance of the allowance for loan losses of $587 million, predominantly driven by residential real estate and credit card. 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TCE, ROTCE, and TBVPS are utilized by the Firm, as well as investors and analysts, in assessing the Firm's use of equity.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:11:07.717+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "23ede201-20ac-4d52-be6a-e96943843e54", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.94, "x": 0.03, "y": 0.38 }, "kind": "paragraph", "text": "(d) The ratio of the wholesale and CIB's allowance for loan losses to period-end loans retained, excluding trade finance and conduits, is calculated excluding loans accounted for at fair value, loans held-for-sale, CIB's trade finance loans and consolidated Firm-administered multi-seller conduits, as well as their related allowances, to provide a more meaningful assessment of the respective allowance coverage ratio.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:11:07.717+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "48ab511b-6ff1-4ec3-b5d3-f79bbfbe2600", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.94, "x": 0.03, "y": 0.12 }, "kind": "paragraph", "text": "(a) In addition to analyzing the Firm's results on a reported basis, management reviews Firmwide results, including the overhead ratio, on a \"managed\" basis; these Firmwide managed basis results are non-GAAP financial measures. The Firm also reviews the results of the lines of business on a managed basis. The Firm's definition of managed basis starts, in each case, with the reported U.S. GAAP results and includes certain reclassifications to present total net revenue for the Firm and each of the reportable business segments on an FTE basis. Accordingly, revenue from investments that receive tax credits and tax-exempt securities is presented in the managed results on a basis comparable to taxable investments and securities. These financial measures allow management to assess the comparability of revenue from year-to-year arising from both taxable and tax-exempt sources. The corresponding income tax impact related to tax-exempt items is recorded within income tax expense. These adjustments have no impact on net income as reported by the Firm as a whole or by the lines of business.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:11:07.717+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8ade1242-c3b3-4fc0-b61e-3601b4ec5a2a", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.94, "x": 0.03, "y": 0.25 }, "kind": "paragraph", "text": "(b) Pre-provision profit is a non-GAAP financial measure which represents total net revenue less total noninterest expense. The Firm believes that this financial measure is useful in assessing the ability of a lending institution to generate income in excess of its provision for credit losses.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:11:07.717+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ad6c973f-325e-4ae7-8001-15f7f8f29f85", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.94, "x": 0.03, "y": 0.45 }, "kind": "paragraph", "text": "(e) In addition to reviewing net interest income (\"NII\"), net yield, and noninterest revenue (\"NIR\") on a managed basis, management also reviews these metrics excluding CIB Markets (\"Markets\", which is composed of Fixed Income Markets and Equity Markets), as shown below. Markets revenue consists of principal transactions, fees, commissions and other income, as well as net interest income. These metrics, which exclude Markets, are non-GAAP financial measures. Management reviews these metrics to assess the performance of the Firm's lending, investing (including asset-liability management) and deposit-raising activities, apart from any volatility associated with Markets activities. In addition, management also assesses Markets business performance on a total revenue basis as offsets may occur across revenue lines. For example, securities that generate net interest income may be risk-managed by derivatives that are reflected at fair value in principal transactions revenue. Management believes these measures provide investors and analysts with alternative measures to analyze the revenue trends of the Firm. For additional information on Markets revenue, refer to page 70 of the Firm's 2022 Form 10-K.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:11:07.717+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c778b85b-75dd-4583-bc9d-1b539f26977d", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.05, "x": 0.91, "y": 0.95 }, "kind": "source-note", "text": "Page 29", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:11:07.717+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fa31f7e2-3564-4098-bdad-353b0f7ec886", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.94, "x": 0.04, "y": 0.59 }, "kind": "table", "text": "QUARTERLY TRENDS\n(in millions, except rates)\n4Q23\n3Q23\n2Q23\n1Q23\n4Q23 Change\n4Q22\n3Q23\n4Q22\nFULL YEAR\n2023\n2022\n2023 Change\n2022\nNet interest income - reported\n$ 24,051\n$ 22,726\n$ 21,779\n$ 20,711\n$ 20,192\n6%\n19%\n$ 89,267\n$ 66,710\n34%\nFully taxable-equivalent adjustments\n126\n130\n104\n120\n121\n(3)\n4\n480\n434\n11\nNet interest income - managed basis (a)\n$ 24,177\n$ 22,856\n$ 21,883\n$ 20,831\n$ 20,313\n6\n19\n$ 89,747\n$ 67,144\n34\nLess: Markets net interest income\n615\n(317)\n(487)\n(105)\n315\nNM\n95\n(294)\n4,789\nNM\nNet interest income excluding Markets (a)\n$ 23,562\n$ 23,173\n$ 22,370\n$ 20,936\n$ 19,998\n2\n18\n$ 90,041\n$ 62,355\n44\nAverage interest-earning assets\n$3,408,395\n$3,331,728\n$3,343,780\n$3,216,757\n$3,265,071\n2\n4\n$3,325,708\n$3,349,079\n(1)\nLess: Average Markets interest-earning assets\n985,997\n970,789\n1,003,877\n982,572\n939,420\n2\n5\n985,777\n953,195\n3\nAverage interest-earning assets excluding Markets\n$2,422,398\n$2,360,939\n$2,339,903\n$2,234,185\n$2,325,651\n3\n4\n$2,339,931\n$2,395,884\n(2)\nNet yield on average interest-earning assets - managed basis\n2.81%\n2.72%\n2.62%\n2.63%\n2.47%\n2.70%\n2.00%\nNet yield on average Markets interest-earning assets\n0.25\n(0.13)\n(0.19)\n(0.04)\n0.13\n(0.03)\n0.50\nNet yield on average interest-earning assets excluding Markets\n3.86\n3.89\n3.83\n3.80\n3.41\n3.85\n2.60\nNoninterest revenue - reported\n$ 14,523\n$ 17,148\n$ 19,528\n$ 17,638\n$ 14,355\n(15)\n1\n$ 68,837\n$ 61,985\n11\nFully taxable-equivalent adjustments\n1,243\n682\n990\n867\n898\n82\n38\n3,782\n3,148\n20\nNoninterest revenue - managed basis\n$ 15,766\n$ 17,830\n$ 20,518\n$ 18,505\n$ 15,253\n(12)\n3\n$ 72,619\n$ 65,133\n11\nLess: Markets noninterest revenue\n5,196\n6,898\n7,505\n8,487\n5,355\n(25)\n(3)\n28,086\n24,195\n16\nNoninterest revenue excluding Markets\n$ 10,570\n$ 10,932\n$ 13,013\n$ 10,018\n$ 9,898\n(3)\n7\n$ 44,533\n$ 40,938\n9\nMemo: Markets total net revenue\n$ 5,811\n$ 6,581\n$ 7,018\n$ 8,382\n$ 5,670\n(12)\n2\n$ 27,792\n$ 28,984\n(4)", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:11:07.717+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "202fc2b8-5093-4485-b550-24cfac0a0998", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.29, "x": 0.03, "y": 0.06 }, "kind": "title", "text": "NON-GAAP FINANCIAL MEASURES", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:11:07.717+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8d182e72-08e3-4b14-90fd-a78d2b289f6c", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "b00bdfc5-b0e6-44eb-9e64-1cde07e473b8", "evidence": "The slide contains a table with data on QUARTERLY TRENDS.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 01:59:39.978552+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 30, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 31, "arc": { "name": "Monroe's Motivated Sequence", "slug": "monroes-sequence", "status": "active", "bestFor": "Persuasive speeches, call-to-action decks", "canonId": "019dd956-5f25-7189-a428-2e6d7f9e5606", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Attention -> Need -> Satisfaction -> Visualization -> Action", "description": null, "familyLabel": null }, "from": 21, "name": "Action", "beatId": "76e8d900-ab4c-4a4a-b47a-5be2c8c62281", "matchId": "3a8e2d6b-a107-4a6e-a36c-294efe3ff0eb", "beatType": { "name": "Action", "slug": "monroes-sequence-action", "status": "active", "canonId": "019dd9b8-181e-760d-befc-010c2424fa89", "version": 1, "description": null }, "evidence": "The presentation concludes with additional financial information and disclaimers", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. 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The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 31, "type": "appendix", "function": "appendix", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "dense", "densityScore": 65, "componentCount": 4, "textChars": 1510, "nDataPoints": 100, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 07:10:59.839+00", "seconds": 5.174, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de517-d3ff-720c-825b-d916924a3058/31", "deck": "/decks/019de517-d3ff-720c-825b-d916924a3058", "deckAnchor": "/decks/019de517-d3ff-720c-825b-d916924a3058#slide-31", "deckJson": "/decks/019de517-d3ff-720c-825b-d916924a3058.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.96, "x": 0.03, "y": 0.67 }, "kind": "source-note", "text": "All references to \"excludes First Republic\", \"includes First Republic\" or \"associated with First Republic\" refer to the effects of the First Republic acquisition, as well as subsequent related business and activities, as applicable.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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