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revenue of $11.0B, up 3% YoY\nBanking revenue\nIB revenue of $1.6B, up 13% YoY\nIB fees up 13% YoY, predominantly driven by higher debt and equity underwriting fees\nPayments revenue of $2.3B, up 10% YoY\nExcluding the net impact of equity investments, which included higher markdowns in the prior year, revenue was flat, as fee growth was predominantly offset by higher deposit-related client credits\nLending revenue of $150mm, down 54% YoY, driven by mark-to-market losses on hedges of retained loans, partially offset by higher net interest income\nMarkets & Securities Services revenue\nMarkets revenue of $5.8B, up 2% YoY\nFixed Income Markets revenue of $4.0B, up 8% YoY, driven by higher revenue in the Securitized Products Group7, partially offset by lower revenue in Rates\nEquity Markets revenue of $1.8B, down 8% YoY, driven by lower revenue in Derivatives and Cash\nSecurities Services revenue of $1.2B, up 3% YoY\nExpense of $6.8B, up 4% YoY, predominantly driven by the timing of revenue-related compensation\nCredit costs were $210mm\nNCOs of $121mm\nNet reserve build of $89mm", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:41.347+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "776fd40e-9f8b-4a37-ac6d-012cf4c4a6e8", "parentComponentId": null }, { "bbox": { "h": 0.036, "w": 0.17, "x": 0.047, "y": 0.899 }, "kind": "source-note", "text": "1 See note 1 on slide 13\n2 See note 3 on slide 14\nFor additional footnotes see slide 15", "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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FR)\nNet income of $1.5B, up 4% YoY\nRevenue of $3.7B, up 7% YoY, largely driven by higher net interest income, where the impact of rates was partially offset by lower deposit balances\nPayments revenue of $2.0B, up 2% YoY, reflecting fee growth, largely offset by higher deposit-related client credits\nInvestment Banking and Markets revenue, gross of $924mm, up 32% YoY, primarily reflecting increased capital markets and M&A activity\nExpense of $1.4B, up 9% YoY, driven by an increase in employees, including front office and technology investments, as well as higher volume-related expense, including the impact of new client acquisition\nCredit costs of $269mm\nNCOs of $127mm\nNet reserve build of $142mm, driven by a deterioration in the outlook related to commercial real estate valuations\nAverage loans of $242B, up 3% YoY and down 1% QoQ\nC&I⁸ up 1% YoY and down 2% QoQ\nCRE⁸ up 4% YoY and flat QoQ\nAverage deposits of $262B, down 6% YoY, primarily driven by lower non-operating deposits\nFlat QoQ, as client balances are seasonally higher at year-end", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.541+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "85c9cf7e-653e-4f03-ad10-89ab9f1be603", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.21, "x": 0.047, "y": 0.905 }, "kind": "source-note", "text": "Note: Totals may not sum due to rounding\n1 See note 1 on slide 13\nFor additional footnotes see slide 15", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.541+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3e8d1c53-48d3-4b95-a771-096d50310692", "parentComponentId": null }, { "bbox": { "h": 0.37, "w": 0.52, "x": 0.047, "y": 0.51 }, "kind": "table", "text": "KEY DRIVERS / STATISTICS ($B)2\n4Q23\nex. FR\nReported FR impact ex. FR 3Q23 4Q22\nAverage equity $30.0 $1.5 $28.5 $28.5 $25.0\nROE 21% 1% 20% 23% 22%\nOverhead ratio 35 (3) 37 37 37\nPayments revenue ($mm) $2,045 $65 $1,980 $2,045 $1,9373\nInvestment Banking and Markets revenue, gross ($mm)4 $924 - $924 $821 $700\nAverage loans5 281.0 39.0 242.0 244.0 235.3\nAverage client deposits 267.8 5.7 262.1 262.1 278.9\nAllowance for loan losses 5.0 0.7 4.3 4.2 3.3\nNonaccrual loans 0.8 0.1 0.7 0.9 0.8\nNet charge-off/(recovery) rate6 0.18% (0.03)%7 0.21% 0.08% 0.06%\nALL/loans6 1.80 (0.01) 1.81 1.72 1.42", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.541+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3bd4a76a-77f9-40f3-b225-153579d533f1", "parentComponentId": null }, { "bbox": { "h": 0.34, "w": 0.52, "x": 0.047, "y": 0.15 }, "kind": "table", "text": "SELECTED INCOME STATEMENT DATA ($MM)\n4Q23\nex. FR $ O/(U)\nReported FR impact ex. 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null, "extraction": { "at": "2026-05-02 07:10:40.264+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d880a0db-aa1e-4096-8073-9c6b18957814", "parentComponentId": null }, { "bbox": { "h": 0.61, "w": 0.878, "x": 0.06, "y": 0.219 }, "kind": "chart", "text": "NII ex. Markets¹: ~$88", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Waterfall chart", "slug": "waterfall", "status": "active", "canonId": "019de52d-002e-733e-b5cf-dd3beb6692cc", "version": 1, "description": null }, "framework": null }, "subkind": "waterfall", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.264+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fe8dda88-79e0-429a-8e75-2bc8fdb5552a", "parentComponentId": null }, { "bbox": { "h": 0.11, "w": 0.26, "x": 0.593, "y": 0.404 }, "kind": "list", "text": "Balance sheet growth / mix: Loan growth including continued growth in credit card revolving balances, Modest deposit attrition", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.264+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1f6bfcc2-fd6b-4f74-b2a2-c80410fae297", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.26, "x": 0.429, "y": 0.404 }, "kind": "list", "text": "Rate / reprice²: Assumes 6 rate cuts in 2024 (4.0% FFTUB³ at YE), Deposit reprice and internal migration", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.264+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "71a748f6-6d90-426f-b3f2-031d723ee353", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.28, "x": 0.069, "y": 0.187 }, "kind": "list", "text": "NET INTEREST INCOME ($B)", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.264+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7be52e5f-8a19-4180-a962-0fd7ec899a6c", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.44, "x": 0.048, "y": 0.877 }, "kind": "source-note", "text": "Note: Charts are not to scale; totals may not sum due to rounding\n1 See note 2 on slide 13\n2 Outlook is based on implied rate curve as of January 11, 2024\n3 Federal Funds target upper bound (FFTUB)", "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 07:10:40.264+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "76325043-e80d-46f1-ab83-bbb6ecd00248", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "4344f13e-a353-42d8-b10e-182ada97e1fb", "evidence": "The slide includes a waterfall chart illustrating the components of net interest income.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 01:59:57.368691+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 13, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 14, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 13, "name": "Problem", "beatId": "47d8b635-2a30-4576-9007-1674a4f69344", "matchId": "ebe74386-8c75-46e0-8409-f086a99bdc06", "beatType": { "name": "Problem", "slug": "sequoia-pitch-problem", "status": "active", "canonId": "019dd9b8-1ed4-767b-8e05-40e733bd2311", "version": 1, "description": null }, "evidence": "The document highlights challenges facing the company, including lower rates and loan growth.", "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. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 14, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 13, "name": "Solution", "beatId": "e3a792c4-9742-404f-8ca4-2efce3131c3e", "matchId": "ebe74386-8c75-46e0-8409-f086a99bdc06", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The document provides solutions to these challenges, including expectations for NII ex. Markets and expense outlook.", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 14, "from": 13, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "23cf7bbc-b87a-4979-9cd5-40532e167049", "evidence": "The document highlights the importance of achieving financial goals, including expectations for NII ex. Markets and expense outlook.", "position": 0, "objective": "What are the implications of not achieving our financial goals?", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:14:11.668233+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 14, "type": "setup", "function": "quantify_opportunity", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 61, "componentCount": 4, "textChars": 902, "nDataPoints": 15, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 07:10:41.315+00", "seconds": 5.439, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de517-d482-7139-b213-fddd38a52637/14", "deck": "/decks/019de517-d482-7139-b213-fddd38a52637", "deckAnchor": "/decks/019de517-d482-7139-b213-fddd38a52637#slide-14", "deckJson": "/decks/019de517-d482-7139-b213-fddd38a52637.json" }, "components": [ { "bbox": { "h": 0.64, "w": 0.566, "x": 0.068, "y": 0.179 }, "kind": "chart", "text": "ADJUSTED EXPENSE¹ ($B) 2023: $85.7 (FDIC SA $2, Corp. $2, AWM $13, CB $5, CIB $28, CCB $35). 4Q23 annualized (ex. FDIC SA): ~$86 ($21.43 for Q1-Q4). 2024: ~$90 (Corp. $2, AWM $14, CB $6, CIB $29, CCB $38).", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:41.315+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f68fe642-b848-4c56-8992-78cb48ee01e6", "parentComponentId": null }, { "bbox": { "h": 0.456, "w": 0.257, "x": 0.67, "y": 0.185 }, "kind": "list", "text": "2024 DRIVERS: Business-growth-driven hiring, primarily in front office; Increase in technology spend associated with investments and higher business volumes, net of efficiencies; Continued investments in the business (Marketing, Bankers, Advisors & Branches); Higher market-dependent volume- and revenue-related expense; Annualization of First Republic, with significantly lower 2024 exit run rate; Residual inflationary pressures.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:41.315+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e929b7a9-fa6c-40fe-9e35-d09de192f5d9", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.57, "x": 0.046, "y": 0.883 }, "kind": "source-note", "text": "Note: Totals may not sum due to rounding\n1 See note 5 on slide 13\n2 2023 FDIC special assessment\n3 Represents a non-GAAP financial measure calculated as 4Q23 Adjusted expense of $24.3B less the FDIC special assessment (\"SA\") of $2.9B", "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 07:10:41.315+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7700867e-39d5-4868-acd5-0a3533b0697f", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.604, "x": 0.046, "y": 0.079 }, "kind": "title", "text": "Our 2024 expense outlook is ~$90B", "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 07:10:41.315+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "10b61cfa-10c6-4374-9f50-8a63cc5e1150", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 14, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 13, "name": "Problem", "beatId": "47d8b635-2a30-4576-9007-1674a4f69344", "matchId": "ebe74386-8c75-46e0-8409-f086a99bdc06", "beatType": { "name": "Problem", "slug": "sequoia-pitch-problem", "status": "active", "canonId": "019dd9b8-1ed4-767b-8e05-40e733bd2311", "version": 1, "description": null }, "evidence": "The document highlights challenges facing the company, including lower rates and loan growth.", "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. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 14, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 13, "name": "Solution", "beatId": "e3a792c4-9742-404f-8ca4-2efce3131c3e", "matchId": "ebe74386-8c75-46e0-8409-f086a99bdc06", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The document provides solutions to these challenges, including expectations for NII ex. Markets and expense outlook.", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. 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Markets and expense outlook.", "position": 0, "objective": "What are the implications of not achieving our financial goals?", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:14:11.668233+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 15, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 63, "componentCount": 6, "textChars": 347, "nDataPoints": 5, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 07:10:40.247+00", "seconds": 4.32, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de517-d482-7139-b213-fddd38a52637/15", "deck": "/decks/019de517-d482-7139-b213-fddd38a52637", "deckAnchor": "/decks/019de517-d482-7139-b213-fddd38a52637#slide-15", "deckJson": "/decks/019de517-d482-7139-b213-fddd38a52637.json" }, "components": [ { "bbox": { "h": 0.076, "w": 0.65, "x": 0.066, "y": 0.335 }, "kind": "list", "text": "1\nExpect FY2024 net interest income of ~$90B, market dependent\nExpect FY2024 net interest income excluding Markets of ~$88B, market dependent", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.247+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2bbd8776-8562-4943-82d6-66614914d21b", "parentComponentId": null }, { "bbox": { "h": 0.076, "w": 0.65, "x": 0.066, "y": 0.513 }, "kind": "list", "text": "2\nExpect FY2024 adjusted expense of ~$90B, market dependent\nAdjusted expense excludes Firmwide legal expense", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.247+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4366a622-ac7f-42a4-91a0-767623f8a4da", "parentComponentId": null }, { "bbox": { "h": 0.038, "w": 0.65, "x": 0.066, "y": 0.669 }, "kind": "list", "text": "3\nExpect FY2024 Card Services NCO rate of < 3.50%", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.247+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "83fe5e5a-adc4-4b76-8100-efe449407460", "parentComponentId": null }, { "bbox": { "h": 0.018, "w": 0.1, "x": 0.045, "y": 0.23 }, "kind": "paragraph", "text": "FIRMWIDE", "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 07:10:40.247+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "255306c2-cdb9-4503-a676-2b332b9bae22", "parentComponentId": null }, { "bbox": { "h": 0.012, "w": 0.179, "x": 0.045, "y": 0.927 }, "kind": "source-note", "text": "1 See notes 1, 2 and 5 on slide 13", "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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"google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5739548c-484a-466d-a480-40b9f7e58a55", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 16, "type": "setup", "function": "front_matter", "rawType": "agenda", "block": null, "metadata": { "slideType": "agenda", "slideTypeCanon": { "name": "Agenda", "slug": "agenda", "status": "active", "canonId": "019de52d-061b-7470-b138-3ffa5e612cce", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "balanced", "densityScore": 28, "componentCount": 4, "textChars": 99, "nDataPoints": 3, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 07:10:40.063+00", "seconds": 3.905, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de517-d482-7139-b213-fddd38a52637/16", "deck": "/decks/019de517-d482-7139-b213-fddd38a52637", "deckAnchor": "/decks/019de517-d482-7139-b213-fddd38a52637#slide-16", "deckJson": "/decks/019de517-d482-7139-b213-fddd38a52637.json" }, "components": [ { "bbox": { "h": 0.01, "w": 0.2, "x": 0.045, "y": 0.95 }, "kind": "image", "text": "JPMORGAN CHASE & CO.", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.063+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "027ad203-1cc3-47c4-adf6-e993775ac4b1", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.32, "x": 0.045, "y": 0.22 }, "kind": "list", "text": "1 4Q23 and FY23 Financial Results\n2 Financial Outlook\n3 Notes", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:40.063+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b299992a-c412-431d-ba59-4f5ce30dcaeb", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.03, "x": 0.91, "y": 0.22 }, "kind": "table", "text": "Page\n1\n10\n13", "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 07:10:40.063+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fd3b4966-8543-4299-8370-2ec59fb0b9c0", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.12, "x": 0.045, "y": 0.085 }, "kind": "title", "text": "Agenda", "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 07:10:40.063+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7d5160ac-eb79-4332-a5f3-2a9bffbea74c", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 17, "type": "appendix", "function": "appendix", "rawType": "appendix_disclosure", "block": null, "metadata": { "slideType": "appendix_disclosure", "slideTypeCanon": { "name": "Appendix disclosure", "slug": "appendix_disclosure", "status": "active", "canonId": "019de52d-07b2-7549-8e8b-932a19f6e616", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 92, "componentCount": 8, "textChars": 5118, "nDataPoints": 16, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 07:10:58.299+00", "seconds": 20.88, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de517-d482-7139-b213-fddd38a52637/17", "deck": "/decks/019de517-d482-7139-b213-fddd38a52637", "deckAnchor": "/decks/019de517-d482-7139-b213-fddd38a52637#slide-17", "deckJson": "/decks/019de517-d482-7139-b213-fddd38a52637.json" }, "components": [ { "bbox": { "h": 0.16, "w": 0.88, "x": 0.058, "y": 0.652 }, "kind": "list", "text": "4. Tangible common equity (\"TCE\"), return on tangible common equity (\"ROTCE\") and tangible book value per share (\"TBVPS\"), are each non-GAAP financial measures. TCE represents the Firm's common stockholders' equity (i.e., total stockholders' equity less preferred stock) less goodwill and identifiable intangible assets (other than mortgage servicing rights), net of related deferred tax liabilities. For a reconciliation from common stockholders' equity to TCE, refer to page 10 of the Earnings Release Financial Supplement. ROTCE measures the Firm's net income applicable to common equity as a percentage of average TCE. ROTCE ex. FR uses the same average TCE. TBVPS represents the Firm's TCE at period-end divided by common shares at period-end. Book value per share was $104.45, $100.30 and $90.29 at December 31, 2023, September 30, 2023 and December 31, 2022, respectively. TCE, ROTCE and TBVPS are utilized by the Firm, as well as investors and analysts, in assessing the Firm's use of equity", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:58.299+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "27a1247d-3136-4a1f-992f-b26744173c37", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.88, "x": 0.058, "y": 0.55 }, "kind": "list", "text": "3. Fourth-quarter 2023 net income, earnings per share and ROTCE excluding significant items are non-GAAP financial measures. Significant items collectively refer to the FDIC special assessment of $2.9B and net investment securities losses of $743mm. Excluding these significant items resulted in an increase of $2.7B (after tax) to reported net income from $9.3B to $12.1B; an increase of $0.93 per share to reported EPS from $3.04 to $3.97; and an increase of approximately 4% to ROTCE from 15% to 19%. Management believes these measures provide useful information to investors and analysts in assessing the Firm's results", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:58.299+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "32bc742b-8228-4664-a8af-705a0dadbb07", "parentComponentId": null }, { "bbox": { "h": 0.19, "w": 0.88, "x": 0.058, "y": 0.358 }, "kind": "list", "text": "2. In addition to reviewing net interest income (\"NII\") 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). 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 a reconciliation of NII and NIR from reported to excluding Markets, refer to page 29 of the Earnings Release Financial Supplement. For additional information on Markets revenue, refer to page 70 of the Firm's 2022 Form 10-K", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:58.299+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b468a3d6-36e0-4627-8865-61d91f3e1031", "parentComponentId": null }, { "bbox": { "h": 0.16, "w": 0.88, "x": 0.058, "y": 0.187 }, "kind": "list", "text": "1. 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 a fully taxable-equivalent 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. For a reconciliation of the Firm's results from a reported to managed basis, refer to page 7 of the Earnings Release Financial Supplement. There are no reclassifications associated with FR managed revenue", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:58.299+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d616f20d-bdee-461b-bde8-b92841546f2e", "parentComponentId": null }, { "bbox": { "h": 0.13, "w": 0.88, "x": 0.058, "y": 0.814 }, "kind": "list", "text": "5. Adjusted expense and adjusted overhead ratio are each non-GAAP financial measures. Adjusted expense represents noninterest expense excluding Firmwide legal expense of $175mm, $665mm and $27mm for the three months ended December 31, 2023, September 30, 2023 and December 31, 2022, respectively; and $1.4B and $266mm for the full year 2023 and 2022, respectively. There was no legal expense excluded from FR adjusted expense for the three months ended December 31, 2023 and September 30, 2023, and for the full year 2023. The adjusted overhead ratio measures the Firm's adjusted expense as a percentage of managed net revenue. Management believes this information helps investors understand the effect of these items on reported results and provides an alternate presentation of the Firm's performance", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:58.299+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d88dc480-eb28-4161-861a-8a12f63da186", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.204, "x": 0.045, "y": 0.959 }, "kind": "source-note", "text": "JPMORGAN CHASE & CO.", "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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Reflects the Current Expected Credit Losses (\"CECL\") capital transition provisions. Beginning January 1, 2022, the $2.9B CECL capital benefit is being phased out at 25% per year over a three-year period. As of December 31, 2023 and September 30, 2023, CET1 capital and Total Loss-Absorbing Capacity reflected the remaining $1.4B CECL benefit; as of December 31, 2022, CET1 capital reflected a $2.2B benefit. Refer to Capital Risk Management on pages 48-53 of the Firm's Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2023 and on pages 86-96 of the Firm's 2022 Form 10-K for additional information\n2. Total excess high-quality liquid assets (\"HQLA\") represent the average eligible unencumbered liquid assets that are in excess of what is required to meet the estimated Firm and Bank total net cash outflows over a prospective 30 calendar-day period of significant stress under the LCR rule. HQLA and unencumbered marketable securities, includes end-of-period HQLA, excluding regulatory prescribed haircuts under the LCR rule where applicable, for both the Firm and the excess HQLA-eligible securities included as part of the excess liquidity at JPMorgan Chase Bank, N.A., which are not transferable to non-bank affiliates and thus excluded from the Firm's LCR. Also includes other end-of-period unencumbered marketable securities, such as equity and debt securities. Does not include borrowing capacity at Federal Home Loan Banks and the discount window at the Federal Reserve Bank. Refer to Liquidity Risk Management on pages 54-61 of the Firm's Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2023 and on pages 97-104 of the Firm's 2022 Form 10-K for additional information\n3. In the first quarter of 2023, the allocations of revenue and expense to CCB associated with a Merchant Services revenue sharing agreement were discontinued and are now retained in Payments in CIB. Prior-period amounts have been revised to conform with the current presentation\n4. The 4Q22 prior-period amount has been revised to conform with the current presentation, which uses end-of-period HQLA and end-of-period unencumbered marketable securities. 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Actual numbers for all periods, not over/(under)\n3. In the third quarter of 2023, certain revenue from CIB Markets products was reclassified from payments to investment banking. Prior-period amounts have been revised to conform with the current presentation\n4. 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 of the Firm's 2022 Form 10-K for discussion of revenue sharing\n5. Includes the impact of loans originated under the PPP. For further information, refer to page 20 of the Earnings Release Financial Supplement\n6. Loans held-for-sale and loans at fair value were excluded when calculating the net charge-off/(recovery) rate and loan loss coverage ratio\n7. Note that FR net charge-offs were a net recovery of $1mm in CB in 4Q23; the FR impact to the net charge-off rate is negative due to the addition of FR loans to the overall denominator and the net recovery\n8. Commercial and Industrial (\"C&I\") and Commercial Real Estate (\"CRE\") groupings for CB are generally based on client segments and do not align with regulatory definitions", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:44.576+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "add80549-8ff9-4c16-9b5f-69face95b879", "parentComponentId": null }, { "bbox": { "h": 0.17, "w": 0.877, "x": 0.053, "y": 0.19 }, "kind": "list", "text": "Slide 5 – Consumer & Community Banking\n3. Actual numbers for all periods, not over/(under)\n4. Users of all JPMorgan Chase mobile platforms who have logged in within the past 90 days. Excludes First Republic\n5. Excludes Commercial Card\n6. Includes the impact of loans originated under the PPP. For further information, refer to page 13 of the Earnings Release Financial Supplement\n7. Firmwide mortgage origination volume was $8.6B, $13.0B and $8.5B for the three months ended December 31, 2023, September 30, 2023 and December 31, 2022, respectively", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:10:44.576+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bc81622f-e845-4e94-ac09-49c64bd612e8", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.877, "x": 0.053, "y": 0.37 }, "kind": "list", "text": "Slide 6 - Corporate & Investment Bank\n3. Actual numbers for all periods, not over/(under)\n4. Client deposits and other third-party liabilities pertain to the Payments and Securities Services businesses\n5. Represents Firmwide merchant processing volume\n6. Loans held-for-sale and loans at fair value were excluded when calculating the net charge-off/(recovery) rate\n7. 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These statements are based on the current beliefs and expectations of JPMorgan Chase & Co.'s management and are subject to significant risks and uncertainties. Actual results may differ from those set forth in the forward-looking statements. Factors that could cause JPMorgan Chase & Co.'s actual results to differ materially from those described in the forward-looking statements can be found in JPMorgan Chase & Co.'s Annual Report on Form 10-K for the year ended December 31, 2022, and Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2023, which have been filed with the Securities and Exchange Commission and is available on JPMorgan Chase & Co.'s website (https://jpmorganchaseco.gcs-web.com/financial-information/sec-filings), and on the Securities and Exchange Commission's website (www.sec.gov). 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