J.P.Morgan Results Presentation Deck
4Q22 Financial results ¹
$B, except per share data
Net interest income
Noninterest revenue
1
Managed revenue ¹
Expense
Credit costs
Net income
Net income applicable to common stockholders
EPS - diluted
ROE²
ROTCE 2,3
Overhead ratio - managed ¹,²
Memo:
NII excluding Markets 4
NIR excluding Markets 4
Markets revenue
1
Managed revenue ¹
$B
Net charge-offs
Reserve build/(release)
Credit costs
Adjusted expense 5
Adjusted overhead ratio
Note: Totals may not sum due to rounding
1 See note 1 on slide 14
2 Actual numbers for all periods, not over/(under)
3 See note 3 on slide 14
4 See note 2 on slide 14
5 See note 4 on slide 14
6 Reflects fully taxable-equivalent ("FTE") adjustments of $1.0B in 4Q22
1,2,5
4Q22 3Q22 4Q21
$0.7
$0.6
$0.9
1.4
0.8
(1.8)
$2.3
$1.5 ($1.3)
4Q22 Tax rate
Effective rate: 16.8%
Managed rate: 22.8% 1,6
4Q22
CCB
CIB
CB
AWM
ROE O/H ratio
35%
50%
12%
61%
22%
37%
26%
66%
2
4Q22
$20.3
15.3
35.6
19.0
2.3
$11.0
$10.6
$3.57
16%
20
53
$20.0
9.9
5.7
35.6
$19.0
53%
$ 0/(U)
3Q22
$2.7
(0.6)
2.1
(0.2)
0.8
$1.3
$1.3
$0.45
15%
18
57
$3.1
0.1
(1.1)
2.1
($0.1)
57%
4Q21
$6.6
(1.4)
5.2
1.1
3.6
$0.6
$0.7
$0.24
16%
19
59
$8.4
(3.5)
0.4
5.2
$1.2
58%
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