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  "documentTitle": "J.P.Morgan | Results Presentation Deck | 31 slides",
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  "authorName": "JPMorgan Chase & Co.",
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  "presentationDate": "2024-01-01 00:00:00",
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      "text": "(a) On January 1, 2023, the Firm adopted the Financial Instruments - Credit Losses: Troubled Debt Restructurings accounting guidance under which it elected to change from an asset-specific allowance approach to its non-DCF, portfolio-based allowance approach for modified loans\nto troubled borrowers for all portfolios except collateral-dependent loans and nonaccrual risk-rated loans, for which the asset-specific allowance approach will continue to apply.\n(b) Management uses allowance for loan losses to period-end loans retained, excluding CIB's trade finance and conduits, a non-GAAP financial measure, to provide a more meaningful assessment of the wholesale allowance coverage ratio.\n(c) Refer to footnote (a) on page 26 for information on the Firm's nonaccrual policy for credit card loans.\n(d) At December 31, 2023, September 30, 2023 and June 30, 2023, included $396 million, $396 million and $377 million of Consumer, respectively, and $800 million, $667 million and $695 million of Wholesale, respectively, associated with First Republic.\n(e) Prior-period amounts have been revised to conform with the current presentation.",
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      "text": "Page 28",
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      "text": "(in millions, except ratio data)",
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      "text": "ALLOWANCE COMPONENTS AND RATIOS\nALLOWANCE FOR LOAN LOSSES\nConsumer, excluding credit card\nAsset-specific (a)\nPortfolio-based\nTotal consumer, excluding credit card\nCredit card\nAsset-specific (a)\nPortfolio-based\nTotal credit card\nTotal consumer\nWholesale\nAsset-specific (a)\nPortfolio-based\nTotal wholesale\nTotal allowance for loan losses\nAllowance for lending-related commitments\nAllowance for investment securities\nTotal allowance for credit losses\nCREDIT RATIOS\nConsumer, excluding credit card allowance, to total\nconsumer, excluding credit card retained loans\nCredit card allowance to total credit card retained loans\nWholesale allowance to total wholesale retained loans\nWholesale allowance to total wholesale retained loans,\nexcluding trade finance and conduits (b)\nTotal allowance to total retained loans\nConsumer, excluding credit card allowance, to consumer,\nexcluding credit card retained nonaccrual loans (c)\nTotal allowance, excluding credit card allowance, to retained\nnonaccrual loans, excluding credit card nonaccrual loans (c)\nWholesale allowance to wholesale retained nonaccrual loans\nTotal allowance to total retained nonaccrual loans",
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      "text": "CREDIT-RELATED INFORMATION, CONTINUED",
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