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  "documentTitle": "2022 consumer community banking investor day",
  "authorId": "JPMorgan",
  "authorName": "JPMorgan Chase & Co.",
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  "notes": "The slide uses a stylized chart to illustrate the impact of different unemployment recovery paths on net credit losses.",
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      "text": "Primary driver of stress scenario is unemployment rate (UER) – both peak UER rate and recovery path.",
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      "text": "Note: Federal Reserve's 2021 DFAST Results and Methodology Disclosure remains instructive data point for more severe recession",
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      "text": "Primary driver of stress scenario is unemployment rate (UER) – both peak UER rate and recovery path\nAverage outstandings remain constant at $150B in each scenario – assumes no growth for simplicity\nTable on the right shows annualized average losses (%) over the two-year period 1Q23 – 4Q24; cumulative losses ($) over same period",
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      "text": "Net Credit Losses: ~$9B",
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      "text": "2 Year Net Credit Losses (2023-2024) table comparing Baseline and Moderate recession scenarios",
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