J.P.Morgan Results Presentation Deck
Consumer & Community Banking ¹
SELECTED INCOME STATEMENT DATA ($MM)
Revenue
Banking & Wealth Management²
Home Lending
Card Services & Auto
Expense ²
Credit costs
Net charge-offs (NCOs)
Change in allowance
Net income
KEY DRIVERS / STATISTICS ($B)³
Equity
ROE
Overhead ratio
Average loans
Average deposits
Active mobile customers (mm)4
Debit & credit card sales volume 5
1Q23
$16,456
10,041
720
5,695
8,065
1,402
1,052
350
$5,243
1 See note 1 on slide 10
2 See note 3 on slide 11
For additional footnotes see slide 12.
JPMORGAN CHASE & CO.
1Q23
$52.0
40%
49
$449.8
1,113.0
50.9
$387.3
$ 0/(U)
4Q22
$663
459
136
68
153
(443)
207
(650)
$687 $2,335
4Q22
$50.0
Average loans up 5% YoY and flat QoQ
Average deposits down 4% YoY and 3% QoQ
EOP deposits down 4% YoY and up 1% QOQ
Active mobile customers up 9% YoY
Debit & credit card sales volume up 10% YoY
Client investment assets down 1% YoY and up 7% QOQ
1Q22
$4,274
4,026
35%
50
(449)
697
410
724
499
225
23%
63
$448.5 $428.9
1,142.5 1,153.5
49.7
46.5
$411.1 $351.5
1Q22
$50.0
CCB
CIB
FINANCIAL PERFORMANCE
• Net income of $5.2B, up 80% YoY
• Revenue of $16.5B, up 35% YoY, driven by higher net interest income
• Expense of $8.1B, up 5% YoY, largely driven by higher compensation,
including wage inflation and headcount growth, as well as investments
in the business, largely offset by lower auto lease depreciation
CB
Credit costs of $1.4B
NCOs of $1.1B, up $499mm YoY, predominantly driven by Card
Services
Banking & Wealth Management
Business Banking average loans
Business Banking loan originations
Client investment assets (EOP)
Deposit margin
Home Lending
Average loans
Loan originations
. Reserve build of $300mm in Card Services and $50mm in Home
Lending
KEY DRIVERS / STATISTICS ($B) - DETAIL BY BUSINESS
1Q23
Third-party mortgage loans serviced (EOP)
Net charge-off/(recovery) rate
Card Services & Auto
Card Services average loans
Auto average loans and leased assets
Auto loan and lease originations
Card Services net charge-off rate
Card Services net revenue rate
Card Services sales volume 5
AWM Corp.
$19.9
1.0
690.8
2.78%
$172.1
5.7
575.9
(0.04)%
$180.5
80.3
9.2
2.07%
10.38
$266.2
$20.5
1.1
647.1
2.48%
$174.5
6.7
584.3
(0.08)%
$177.0
80.0
7.5
1.62%
10.06
$284.8
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
4View entire presentation