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  "documentTitle": "2019 cb investor day ba56d0e8",
  "authorId": "JPMorgan",
  "authorName": "JPMorgan Chase & Co.",
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  "notes": "The chart shows a historical comparison of net charge-off performance between Commercial Banking and a peer average from 2008 to 2018.",
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      "text": "Net charge-off performance",
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      "kind": "list",
      "text": "Market commentary: Competition remains elevated particularly from non-bank lenders, with late-cycle characteristics; Maintaining underwriting discipline, limiting exposure to riskier asset classes; Continued spread compression in 2018, though have recently stabilized",
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      "text": "Portfolio summary: 71% of loans in Commercial Term Lending (Secured by stabilized multifamily properties in supply-constrained markets; New originations remain high quality; LTV ratio of 49%, DSC ratio of 1.5x); 29% of loans in Real Estate Banking, Community Development Banking and other (Focused on top-tier clients and lower-volatility asset classes; <$0.5B of loans in hospitality, homebuilders, condos and land)",
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      "text": "Net charge-off performance",
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      "text": "1 Represents weighted averages for 2018 originations; 2 Peer average based on CB-equivalent CRE segments or wholesale portfolios at BAC, CMA, FITB, KEY, PNC, USB, WFC, which may not fully align with CB segmentation",
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      "kind": "title",
      "text": "Maintaining strong risk discipline – CRE",
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      "evidence": "Financial analysis, KPI dashboards, and financial targets outline the impact and future plans.",
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