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  "documentTitle": "2019 ccb investor day ba56d0e8",
  "authorId": "JPMorgan",
  "authorName": "JPMorgan Chase & Co.",
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  "notes": "This is a standard appendix disclosure slide providing definitions for customer segmentation (Digitally-centric, Multi-channel, Branch-centric, Other) and data sources.",
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      "text": "1. Average teller transactions among all Consumer Banking customers. Represents 4Q14 and 4Q18.\n2. Novantas Customer Knowledge, 2018 U.S. Shopper Study. Prospective switchers (N=4,866). Convenient branch locations ranked top among “Reasons for Future Consideration”\n3. Consumer Banking households who visited a branch at least once in 2018\n4. Deposit growth from 4Q14 to 4Q18. Includes multi-channel and branch-centric channel segments. Consumer Banking household channel segments are defined based on the tenure of the household as of the respective time period. For households with tenure of greater than 12 months, we use the following thresholds calculated over a year: Digitally-centric – <=4 branch visits and 12+ digital transactions or 100+ digital log-ins and 24+ external ACH transactions per year; Multi-channel – >4 branch visits and 12+ digital transactions or 100+ digital log-ins and 24+ external ACH transactions per year; Branch-centric – >4 branch visits and <12 digital transactions and <100 digital log-ins and <24 external ACH transactions per year; Other – <=4 branch visits and <12 digital transactions and <100 digital log-ins and <24 external ACH transactions per year. For households that are less than 12 months on book, we reduce the thresholds by 75% and track the household activity over a three-month time period",
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      "kind": "title",
      "text": "Notes on slide 13 – Our physical network has been critical to achieving industry-leading deposit growth",
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