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  "documentTitle": "J.P.Morgan | Results Presentation Deck | 19 slides",
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  "authorName": "JPMorgan",
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  "presentationDate": "2025-01-01 00:00:00",
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      "kind": "chart",
      "text": "CARD SERVICES AVERAGE\nBALANCE ($B)\n$224\n$203\n$177\nTotal O/S $148\nRevolving\nbalances\n4Q21 4Q22 4Q23 4Q24",
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      "text": "AVERAGE DEPOSITS ($B)\nFirmwide $2,468 $2,380 $2,372 $2,417\nBWM $1,094 $1,126 $1,078 $1,035\n4Q21 4Q22 4Q23 4Q24",
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      "text": "NET INTEREST INCOME EX. MARKETS¹ ($B)\n$92\n($3)\n$1\n~$90\n4Q: $23\n3Q: $23\n2Q: $23\n1Q: $23\nRates / margins2\n1 rate cut (4.25% FFTUB³ at YE)\nAverage IORB4 declines 94bps YoY\nDeposit margin compression\nBalance sheet growth / mix\nCard revolve growth and modestly higher deposit balances\nLower rates\nOffset by growth\nQ1 Q2 Q3 Q4",
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      "text": "JPMorgan Chase",
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      "text": "2024\nMarkets NII: $1B\nFirmwide NII: $93B",
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      "text": "2025 outlook\nMarkets NII: ~$4B\nFirmwide NII: ~$94B",
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      "text": "1 See note 2 on slide 12\n2 Outlook is based on implied rate curve as of January 10, 2025\n3 Federal Funds target upper bound (\"FFTUB\")\n4 Interest on reserve balances (\"IORB\")",
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