J.P.Morgan Results Presentation Deck

JPMORGAN CHASE & CO. RECONCILIATION FROM REPORTED TO MANAGED BASIS (in millions, except ratios) JPMORGAN CHASE & CO. The Firm prepares its Consolidated Financial Statements using accounting principles generally accepted in the U.S. ("U.S. GAAP"). That presentation, which is referred to as "reported" basis, provides the reader with an understanding of the Firm's results that can be tracked consistently from year-to-year and enables a comparison of the Firm's performance with other companies' U.S. GAAP financial statements. In addition to analyzing the Firm's results on a reported basis, management reviews Firmwide results, including the overhead ratio, on a "managed" basis; these Firmwide managed basis results are non-GAAP financial measures. The Firm also reviews the results of the lines of business on a managed basis. Refer to the notes on Non-GAAP Financial Measures on page 28 for additional information on managed basis. The following summary table provides a reconciliation from reported U.S. GAAP results to managed basis. OTHER INCOME Other income - reported Fully taxable-equivalent adjustments (a) Other income - managed TOTAL NONINTEREST REVENUE Total noninterest revenue reported Fully taxable-equivalent adjustments Total noninterest revenue managed NET INTEREST INCOME Net interest income - reported Fully taxable-equivalent adjustments (a) Net interest income-managed TOTAL NET REVENUE Total net revenue - reported Fully taxable-equivalent adjustments Total net revenue - managed PRE-PROVISION PROFIT Pre-provision profit - reported Fully taxable-equivalent adjustments Pre-provision profit - managed INCOME BEFORE INCOME TAX EXPENSE Income before income tax expense reported Fully taxable-equivalent adjustments Income before income tax expense managed INCOME TAX EXPENSE Income tax expense - reported Fully taxable-equivalent adjustments Income tax expense - managed OVERHEAD RATIO Overhead ratio - reported Overhead ratio - managed (a) Predominantly recognized in CIB, CB and Corporate. $ $ $ $ $ $ $ 15,128 103 15,231 $ $ $ $ $ $ 2Q22 $ 540 812 1,352 15,587 812 16,399 30,715 915 31,630 11,966 915 12,881 10,865 915 11,780 2,216 915 3,131 61 % 59 $ $ $ $ $ $ $ $ $ $ $ $ $ $ 1Q22 1,490 775 2,265 16,845 775 17,620 13,872 98 13,970 30,717 873 31,590 11,526 873 12,399 10,063 873 10,936 1,781 873 2,654 62 % 61 $ $ $ $ $ $ $ $ $ 29,257 1,092 30,349 $ 4Q21 $ 1,180 984 2,164 $ 11,369 1,092 12,461 $ 15,656 984 16,640 13,601 108 13,709 12,657 1,092 13,749 2,258 1,092 $ 3,350 QUARTERLY TRENDS 61 % 59 $ $ $ $ 16,567 690 17,257 $ $ $ $ $ $ $ $ $ 3Q21 $ 1,332 690 2,022 13,080 104 13,184 29,647 794 30,441 12,584 794 13,378 14,111 794 14,905 2,424 794 3,218 58 % 56 $ $ $ $ $ $ $ $ $ $ $ $ $ $ 2Q21 1,195 807 2,002 17,738 807 18,545 12,741 109 12,850 30,479 916 31,395 12,812 916 13,728 15,097 916 16,013 3,149 916 4,065 58 % 56 2Q22 Change 1Q22 (64)% 5 (40) (7) 5 (7) 9 5 9 5 4 5 4 0000 8 5 8 24 5 18 2Q21 (55)% -@_@-@ (32) (12) (12) 19 (6) 19 1 1 (7) (6) (28) (26) (30) (23) $ $ 2,030 1,587 3,617 $ $ 32,432 1,587 34,019 $ $ 29,000 201 29,201 $ $ $ 2022 $ SIX MONTHS ENDED JUNE 30, $ 23,492 1,788 $ 25,280 $ $ 61,432 1,788 63,220 20,928 1,788 22,716 3,997 1,788 5,785 62 % 60 $ $ $ $ 37,115 1,551 38,666 $ $ $ $ $ $ $ $ $ 2021 $ 2,318 1,551 3,869 25,630 218 25,848 62,745 1,769 64,514 26,353 1,769 28,122 32,794 1,769 34,563 6,546 1,769 8,315 58 % 56 2022 Change 2021 (12)% 2 (7) (13) 2 (12) 13 (8) 13 (2) 1 (2) (11) 1 (10) (36) 1 (34) (39) 1 (30) Page 7

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