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"y": 0.497 }, "kind": "table", "text": "KEY DRIVERS / STATISTICS ($B)2\n3Q24 2Q24 3Q23\nAverage equity $54.5 $54.5 $55.5\nROE 29% 30% 41%\nOverhead ratio 54 53 50\nAverage loans $572.5 $571.7 $564.3\nAverage deposits 1,053.7 1,073.5 1,143.5\nActive mobile customers (mm)³ 57.0 55.6 53.2\nDebit & credit card sales volume 4 $453.4 $453.7 $426.3", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:17:34.99+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c5257114-2951-4a4e-ad8a-8e685a996dd6", "parentComponentId": null }, { "bbox": { "h": 0.33, "w": 0.45, "x": 0.049, "y": 0.148 }, "kind": "table", "text": "SELECTED INCOME STATEMENT DATA ($MM)\n3Q24 2Q24 3Q23\nRevenue $17,791 $90 ($571)\nBanking & Wealth Management 10,090 (285) (1,255)\nHome Lending 1,295 (24) 43\nCard Services & Auto 6,406 399 641\nExpense 9,586 161 481\nCredit costs 2,795 152 1,349\nNet charge-offs (NCOS) 1,919 (145) 520\nChange in allowance 876 297 829\nNet income $4,046 ($164) ($1,849)", "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": "2026-05-01 23:17:34.99+00", "model": 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"frameworks": [], "arcBeats": [ { "to": 8, "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": "Satisfaction", "beatId": "d609debe-a192-4d0b-bac2-f9f542d72ae9", "matchId": "9631c0ac-857e-444f-b09e-bfaafccd1200", "beatType": { "name": "Satisfaction", "slug": "monroes-sequence-satisfaction", "status": "active", "canonId": "019dd9b8-16a5-73c8-a3ce-00850dc2cbd8", "version": 1, "description": null }, "evidence": "The segment performance slides demonstrate satisfaction with results", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", 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Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:17:35.15+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "aea2f84e-c45c-423e-adaf-84e026dd64a7", "parentComponentId": null }, { "bbox": { "h": 0.39, "w": 0.46, "x": 0.049, "y": 0.149 }, "kind": "table", "text": "SELECTED INCOME STATEMENT DATA ($MM)\n3Q24 2Q24 3Q23\nRevenue $17,015 ($902) $1,254\nInvestment Banking revenue 2,354 (110) 536\nPayments 4,370 (176) 153\nLending 1,894 (42) (40)\nOther 28 24 4\nTotal Banking & Payments 8,646 (304) 653\nFixed Income Markets 4,530 (292) (18)\nEquity Markets 2,622 (349) 553\nSecurities Services 1,326 65 114\nCredit Adjustments & Other (109) (22) (48)\nTotal Markets & Securities Services 8,369 (598) 601\nExpense 8,751 (415) (67)\nCredit costs 316 (68) 411\nNet income $5,691 ($206) $664", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:17:35.15+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4cf2cca1-4085-40cc-8b5a-809cf8267abd", "parentComponentId": null }, { "bbox": { "h": 0.187, "w": 0.449, "x": 0.517, "y": 0.729 }, "kind": "table", "text": "REVENUE BY CLIENT COVERAGE SEGMENT ($MM)\n$ O/(U)\n3Q24 2Q24 3Q23\nBanking & Payments revenue6 $8,646 ($304) $653\nGlobal Corporate & Investment Banking 6,139 (2) 670\nCommercial Banking 2,891 31 17\nMiddle Market Banking 1,931 (5) (18)\nCommercial Real Estate Banking 960 36 35\nOther (384) (333) (34)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:17:35.15+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "699715b8-4a20-41f6-abb5-e25a81fbde08", "parentComponentId": null }, { "bbox": { "h": 0.29, "w": 0.46, "x": 0.049, "y": 0.596 }, "kind": "table", "text": "KEY DRIVERS / STATISTICS ($B)3\n3Q24 2Q24 3Q23\nAverage equity $132.0 $132.0 $138.0\nROE 17% 17% 14%\nOverhead ratio 51 51 56\nIB fees ($mm) $2,267 $2,356 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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": "2026-05-01 23:17:35.15+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f29bd3d8-8067-49c6-8026-1ee046e5243c", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 8, "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": 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Morgan's financial performance", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:16:27.187936+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 7, "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": "overcrowded", "densityScore": 75, "componentCount": 5, "textChars": 1500, "nDataPoints": 50, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:17:34.125+00", "seconds": 7.232, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-99f2-708b-80c6-0f622a126e33/7", "deck": "/decks/019de518-99f2-708b-80c6-0f622a126e33", "deckAnchor": "/decks/019de518-99f2-708b-80c6-0f622a126e33#slide-7", "deckJson": "/decks/019de518-99f2-708b-80c6-0f622a126e33.json" }, "components": [ { "bbox": { "h": 0.649, "w": 0.43, "x": 0.517, "y": 0.176 }, "kind": "list", "text": "Net income of $1.4B, down 5% YoY\nRevenue of $5.4B, up 9% YoY, driven by growth in management fees on higher average market levels and strong net inflows, investment valuation gains compared to losses in the prior year and higher brokerage activity, partially offset by deposit margin compression\nExpense of $3.6B, up 16% YoY, predominantly driven by higher compensation, including revenue-related compensation and continued growth in private banking advisor teams, as well as higher legal expense and distribution fees\nAUM of $3.9T and client assets of $5.7T were each up 23% YoY, driven by higher market levels and continued net inflows\nFor the quarter, AUM had long-term net inflows of $72B and liquidity net inflows of $34B\nAverage loans of $229B, up 2% YoY and QoQ\nAverage deposits of $236B, up 17% YoY including the allocation of First Republic deposits to AWM in 4Q233 and up 4% QoQ", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:17:34.125+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1ecc85b3-c9ef-4a1c-adbc-5ca6749ca86e", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.202, "x": 0.049, "y": 0.899 }, "kind": "source-note", "text": "1 See note 1 on slide 9\n2 Actual numbers for all periods, not over/(under)\n3 See note 3 on slide 10", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:17:34.125+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "01a8348e-ddd6-4675-a395-6b40b10bb260", "parentComponentId": null }, { "bbox": { "h": 0.339, "w": 0.436, "x": 0.059, "y": 0.146 }, "kind": "table", "text": "SELECTED INCOME STATEMENT DATA ($MM)\n$ O/(U)\n3Q24 2Q24 3Q23\nRevenue $5,439 $187 $434\nAsset Management 2,525 88 361\nGlobal Private Bank 2,914 99 73\nExpense 3,639 96 501\nCredit costs 4 (16) 17\nNet income $1,351 $88 ($66)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:17:34.125+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0d8acd03-868b-45d9-a992-bde9e91701cc", "parentComponentId": null }, { "bbox": { "h": 0.316, "w": 0.436, "x": 0.059, "y": 0.515 }, "kind": "table", "text": "KEY DRIVERS / STATISTICS ($B)2\n3Q24 2Q24 3Q23\nAverage equity $15.5 $15.5 $17.0\nROE 34% 32% 32%\nPretax margin 33 32 38\nAssets under management (\"AUM\") $3,904 $3,682 $3,186\nClient assets 5,721 5,387 4,644\nAverage loans 229.3 224.1 223.8\nAverage deposits 236.5 227.4 202.0", "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": "2026-05-01 23:17:34.125+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f8cd146a-9147-4119-95a6-c064b5468a20", "parentComponentId": null }, { "bbox": { "h": 0.029, "w": 0.409, "x": 0.049, "y": 0.085 }, "kind": "title", "text": "Asset & Wealth Management¹", "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": "2026-05-01 23:17:34.125+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ef4813c7-de09-470f-ad9e-203efa7e2053", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 8, "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": "Satisfaction", "beatId": "d609debe-a192-4d0b-bac2-f9f542d72ae9", "matchId": "9631c0ac-857e-444f-b09e-bfaafccd1200", "beatType": { "name": "Satisfaction", "slug": "monroes-sequence-satisfaction", "status": "active", "canonId": "019dd9b8-16a5-73c8-a3ce-00850dc2cbd8", "version": 1, "description": null }, "evidence": "The segment performance slides demonstrate satisfaction with results", "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": 9, "from": 2, "loop": { "name": "01_logic_chain", "slug": "01-logic-chain", "status": "active", "bestFor": "Skeptical audiences, controversial recommendations, rigorous analysis", "canonId": "019dd956-6638-7457-8650-9b0b42e59fb3", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "Premise 1 (Accepted truth) -> Premise 2 (Observed fact) -> Therefore... (Inevitable conclusion)", "description": "Build an airtight chain of logic where each premise leads inevitably to the conclusion", "familyLabel": null }, "matchId": "77f6e9f2-d644-4527-b3f3-a226d0bf7774", "evidence": "The deck provides a logical chain of information from financial highlights to segment performance", "position": 0, "objective": "Understand the drivers of J.P. Morgan's financial performance", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:16:27.187936+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 8, "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": 58, "componentCount": 4, "textChars": 646, "nDataPoints": 24, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:17:31.553+00", "seconds": 4.565, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-99f2-708b-80c6-0f622a126e33/8", "deck": "/decks/019de518-99f2-708b-80c6-0f622a126e33", "deckAnchor": "/decks/019de518-99f2-708b-80c6-0f622a126e33#slide-8", "deckJson": "/decks/019de518-99f2-708b-80c6-0f622a126e33.json" }, "components": [ { "bbox": { "h": 0.206, "w": 0.437, "x": 0.515, "y": 0.145 }, "kind": "list", "text": "FINANCIAL PERFORMANCE\nRevenue of $3.1B, up $1.5B YoY\nNet interest income of $2.9B, up $932mm YoY, predominantly driven by the impact of balance sheet mix and securities reinvestment\nNoninterest revenue of $155mm, compared with a net loss of $425mm in the prior year, predominantly driven by lower net investment securities losses\nExpense of $589mm, down $107mm YoY", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:17:31.553+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a80110bc-63b8-40b0-a8f3-89d8f47d1968", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.107, "x": 0.046, "y": 0.92 }, "kind": "source-note", "text": "1 See note 1 on slide 9", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:17:31.553+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2938acb4-6f82-493b-885f-8b07c110256e", "parentComponentId": null }, { "bbox": { "h": 0.301, "w": 0.429, "x": 0.063, "y": 0.145 }, "kind": "table", "text": "SELECTED INCOME STATEMENT DATA ($MM)\n$ O/(U)\n3Q24 2Q24 3Q23\nRevenue $3,070 ($7,052) $1,512\nNet interest income 2,915 551 932\nNoninterest revenue 155 (7,603) 580\nExpense 589 (990) (107)\nCredit costs (4) (9) (50)\nNet income/(loss) $1,810 ($4,969) $998", "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": "2026-05-01 23:17:31.553+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "60b1f99f-b896-4aa1-a416-01fde93b8a87", "parentComponentId": null }, { "bbox": { "h": 0.021, "w": 0.133, "x": 0.046, "y": 0.086 }, "kind": "title", "text": "Corporate¹", "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": "2026-05-01 23:17:31.553+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9415afb7-3bc1-489b-83e8-245397e828ff", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 8, "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": "Satisfaction", "beatId": "d609debe-a192-4d0b-bac2-f9f542d72ae9", "matchId": "9631c0ac-857e-444f-b09e-bfaafccd1200", "beatType": { "name": "Satisfaction", "slug": "monroes-sequence-satisfaction", "status": "active", "canonId": "019dd9b8-16a5-73c8-a3ce-00850dc2cbd8", "version": 1, "description": null }, "evidence": "The segment performance slides demonstrate satisfaction with results", "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": 9, "from": 2, "loop": { "name": "01_logic_chain", "slug": "01-logic-chain", "status": "active", "bestFor": "Skeptical audiences, controversial recommendations, rigorous analysis", "canonId": "019dd956-6638-7457-8650-9b0b42e59fb3", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "Premise 1 (Accepted truth) -> Premise 2 (Observed fact) -> Therefore... (Inevitable conclusion)", "description": "Build an airtight chain of logic where each premise leads inevitably to the conclusion", "familyLabel": null }, "matchId": "77f6e9f2-d644-4527-b3f3-a226d0bf7774", "evidence": "The deck provides a logical chain of information from financial highlights to segment performance", "position": 0, "objective": "Understand the drivers of J.P. Morgan's financial performance", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:16:27.187936+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 9, "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": 73, "componentCount": 6, "textChars": 574, "nDataPoints": 10, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:17:32.533+00", "seconds": 5.541, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-99f2-708b-80c6-0f622a126e33/9", "deck": "/decks/019de518-99f2-708b-80c6-0f622a126e33", "deckAnchor": "/decks/019de518-99f2-708b-80c6-0f622a126e33#slide-9", "deckJson": "/decks/019de518-99f2-708b-80c6-0f622a126e33.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.376, "x": 0.123, "y": 0.768 }, "kind": "list", "text": "Expect FY2024 Card Services NCO rate of ~3.4%", "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": "2026-05-01 23:17:32.533+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2859fa1a-9ce7-45fb-a854-66494ff3848e", "parentComponentId": null }, { "bbox": { "h": 0.16, "w": 0.607, "x": 0.123, "y": 0.299 }, "kind": "list", "text": "Expect FY2024 net interest income of ~$92.5B, market dependent\n3Q24YTD of $69.6B implies 4Q24 of ~$22.9B\nExpect FY2024 net interest income excluding Markets of ~$91.5B, market dependent\n3Q24YTD of $69.4B implies 4Q24 of ~$22.1B", "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": "2026-05-01 23:17:32.533+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "49296efb-06bf-4a51-b28a-9526efa1750a", "parentComponentId": null }, { "bbox": { "h": 0.16, "w": 0.81, "x": 0.123, "y": 0.546 }, "kind": "list", "text": "Expect FY2024 adjusted expense of ~$91.5B, market dependent\n3Q24YTD of $68.5B implies 4Q24 of ~$23.0B\nAdjusted expense excludes Firmwide legal expense and includes the increase to the FDIC special assessment in 1Q24 and the Foundation contribution in 2Q24", "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": "2026-05-01 23:17:32.533+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "767d9b77-25b7-4145-a1ac-de00ee60cf2a", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.11, "x": 0.045, "y": 0.213 }, "kind": "paragraph", "text": "FIRMWIDE", "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": "2026-05-01 23:17:32.533+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e3a4d5ef-95b1-4853-bd4a-45f704a8d6b1", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.16, "x": 0.045, "y": 0.927 }, "kind": "source-note", "text": "See notes 1, 2 and 4 on slide 9", "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's financial performance", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:16:27.187936+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } }, { "to": 13, "from": 9, "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": "8f08bd24-d9ca-40e6-8879-90d6575f5955", "evidence": "The outlook and disclaimer slides imply the consequences of not investing", "position": 1, "objective": "Highlight the importance of staying invested in J.P. Morgan", "confidence": 0.5, "extraction": { "at": "2026-07-16 23:16:27.231068+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 10, "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": "dense", "densityScore": 63, "componentCount": 4, "textChars": 4258, "nDataPoints": 9, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:17:34.72+00", "seconds": 7.317, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-99f2-708b-80c6-0f622a126e33/10", "deck": "/decks/019de518-99f2-708b-80c6-0f622a126e33", "deckAnchor": "/decks/019de518-99f2-708b-80c6-0f622a126e33#slide-10", "deckJson": "/decks/019de518-99f2-708b-80c6-0f622a126e33.json" }, "components": [ { "bbox": { "h": 0.018, "w": 0.201, "x": 0.049, "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": "2026-05-01 23:17:34.72+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "da9267c7-29ba-4e12-b758-3059ba9bc322", "parentComponentId": null }, { "bbox": { "h": 0.516, "w": 0.889, "x": 0.05, "y": 0.186 }, "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\n2. In addition to reviewing net interest income (\"NII\") and noninterest revenue (\"NIR\") on a managed basis, management also reviews these metrics excluding 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 28 of the Earnings Release Financial Supplement. For additional information on Markets revenue, refer to page 75 of the Firm's 2023 Form 10-K\n3. 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. TBVPS represents the Firm's TCE at period-end divided by common shares at period-end. Book value per share was $115.15, $111.29 and $100.30 at September 30, 2024, June 30, 2024 and September 30, 2023, respectively. TCE, ROTCE and TBVPS are utilized by the Firm, as well as investors and analysts, in assessing the Firm's use of equity\n4. Adjusted expense and adjusted overhead ratio are each non-GAAP financial measures. Adjusted expense represents noninterest expense excluding Firmwide legal expense of $259mm, $317mm and $665mm for the three months ended September 30, 2024, June 30, 2024 and September 30, 2023, respectively. For the nine months ended September 30, 2024, noninterest expense was $69B and Firmwide legal expense was $504mm. 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": "2026-05-01 23:17:34.72+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4bf09789-70c6-4d8a-af69-adbac6a9d266", "parentComponentId": null }, { "bbox": { "h": 0.018, "w": 0.008, "x": 0.94, "y": 0.95 }, "kind": "source-note", "text": "9", "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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Morgan", "confidence": 0.5, "extraction": { "at": "2026-07-16 23:16:27.231068+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 11, "type": "appendix", "function": "appendix", "rawType": "appendix", "block": null, "metadata": { "slideType": "appendix", "slideTypeCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-0762-71f8-b564-89ab863301cc", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "balanced", "densityScore": 45, "componentCount": 2, "textChars": 1689, "nDataPoints": 3, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:17:33.813+00", "seconds": 4.695, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-99f2-708b-80c6-0f622a126e33/11", "deck": "/decks/019de518-99f2-708b-80c6-0f622a126e33", "deckAnchor": "/decks/019de518-99f2-708b-80c6-0f622a126e33#slide-11", "deckJson": "/decks/019de518-99f2-708b-80c6-0f622a126e33.json" }, "components": [ { "bbox": { "h": 0.229, "w": 0.89, "x": 0.05, "y": 0.184 }, "kind": "list", "text": "1. Reflects the Current Expected Credit Losses (\"CECL\") capital transition provisions. As of September 30, 2024 and June 30, 2024, CET1 capital and Total Loss-Absorbing Capacity reflected the remaining $720mm CECL benefit; as of September 30, 2023, CET1 capital reflected a $1.4B benefit. Refer to Note 21 of the Firm's Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2024 and Note 27 of the Firm's 2023 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 51-58 of the Firm's Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2024 and pages 102-109 of the Firm's 2023 Form 10-K for additional information\n3. 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Effective in the second quarter of 2024, the Firm reorganized its reportable business segments by combining the former Corporate & Investment Bank and Commercial Banking business segments to form one segment, the Commercial & Investment Bank (\"CIB\")\n3. Actual numbers for all periods, not over/(under)\n4. Client deposits and other third-party liabilities (\"client deposits\") pertain to the Payments and Securities Services businesses\n5. Loans held-for-sale and loans at fair value were excluded when calculating the net charge-off/(recovery) rate\n6. 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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, 2023 and Quarterly Report on Form 10-Q for the quarter ended June 30, 2024, which have been filed with the Securities and Exchange Commission and are 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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