J.P.Morgan Results Presentation Deck
Consumer & Community Banking¹
Selected income statement data ($mm)
Revenue
Consumer & Business Banking
Home Lending
Card & Auto
Expense
Credit costs
Net charge-offs (NCOs)
Change in allowance
Net income²
Key drivers / statistics ($B)³
Equity
ROE
Overhead ratio
Average loans
Average deposits
Active mobile customers (mm)4
Debit & credit card sales volume 5
2Q22
$12,614
6,558
1,001
5,055
7,723
761
611
150
$3,100
1 See note 1 on slide 10
2 See note 3 on slide 11
For additional footnotes see slide 12
2Q22
$50.0
24%
61
$436.6
1,180.5
47.4
$397.0
$ 0/(U)
1Q22
$385
496
(168)
57
3
83
58
25
$205
1Q22
$50.0
23%
63
$428.9
1,153.5
46.5
$351.5
2Q21
($146)
542
(348)
(340)
661
2,629
(121)
2,750
($2,545)
2Q21
$50.0
44%
55
$430.1
1,047.8
42.9
$344.3
Average loans up 2% YoY and 2% QOQ
■ Ex-PPP, average loans of $434.4B, up 6% YoY and 2% QOQ
Average deposits up 13% YoY and 2% QOQ
Active mobile customers up 11% YoY
Debit & credit card sales volume up 15% YoY
■ Client investment assets down 7% YoY
4
CCB
CIB
Financial performance
■ Net income of $3.1B vs. $5.6B in 2Q21, reflecting the absence of
the credit reserve release recorded in the prior year
■ Revenue of $12.6B, down 1% YoY
■ Expense of $7.7B, up 9% YoY, driven by higher investments and
structural expense, partially offset by lower volume- and revenue-
related expense
Consumer & Business Banking
6
Business Banking average loans
Business Banking loan originations
Client investment assets (EOP)
Deposit margin
Home Lending
Average loans
Loan originations
CB
■ Credit costs of $761mm
■ Net charge-offs of $611mm, down $121mm YoY, driven by Card
■ Reserve build of $150mm in Card driven by loan growth
Key drivers / statistics ($B) - detail by business
2Q22
Third-party mortgage loans serviced (EOP)
Net charge-off/(recovery) rate
Card & Auto
Card average loans
Auto average loans and leased assets
Auto loan and lease originations
Card net charge-off rate
Credit Card net revenue rate
Credit Card sales volume 5
$22.8
1.2
628.5
AWM Corp.
1.31%
$177.3
21.9
575.6
(0.16)%
$158.4
83.4
7.0
1.47%
9.59
$271.2
1Q22
$24.8
1.0
696.3
1.22%
$176.5
24.7
575.4
(0.17)%
$149.4
85.7
8.4
1.37%
9.87
$236.4
2Q21
$42.4
2.2
673.7
1.28%
$177.4
39.6
463.9
(0.19)%
$136.1
86.8
12.4
2.24%
11.32
$223.7
JPMORGAN CHASE & Co.View entire presentation