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  "docSlug": "071b09855986178e",
  "documentTitle": "2022 commercial banking investor day",
  "authorId": "JPMorgan",
  "authorName": "JPMorgan Chase & Co.",
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  "documentKindLabel": "Consulting deck",
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  "pageNumber": 9,
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  "notes": "Includes portfolio summary, market commentary, asset class breakdown, and historical performance chart.",
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      "text": "Strong credit performance, with NCOs of 2bps YTD.",
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      "kind": "chart",
      "text": "CRE portfolio by asset class",
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      "text": "CRE net charge-offs (%)",
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      "kind": "disclaimer",
      "text": "Note: Metrics in charts are as of Dec. 31, 2021, all other metrics are as of March 31, 2022 unless otherwise noted. 1 Loan to value (LTV) and debt service coverage (DSC) are weighted average calculations of new origination in CTL YTD. 2 Portfolios based on sub-LOB are not regulatory definitions; totals may not sum due to rounding. 3 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": "list",
      "text": "Portfolio summary: Strong credit performance, ~72% in Commercial Term Lending, LTV ~52%, DSC 1.56x, focused on top-tier clients.",
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      "kind": "list",
      "text": "Market commentary: Limiting exposure to risky assets, monitoring urban office/retail, strong multifamily dynamics, fixed/hybrid rate mitigation.",
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      "text": "Net charge-offs: 2bps",
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      "kind": "title",
      "text": "Maintaining risk discipline – CRE",
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      "evidence": "The slides on comprehensive payments solutions, diversified loan portfolio, and risk discipline highlight the need for Commercial Banking's services and its ability to manage risk.",
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