J.P.Morgan Results Presentation Deck
Commercial Banking¹
Selected income statement data ($mm)
Revenue
Middle Market Banking
Corporate Client Banking
Commercial Real Estate Banking
Other
Expense
Credit costs
Net income²
Key drivers / statistics ($B)³
Equity
ROE
Overhead ratio
Gross IB revenue ($mm)
Average loans4
Average client deposits
Allowance for loan losses
Nonaccrual loans 5
6
Net charge-off/(recovery) rate
ALL/loans
1 See note 1 on slide 10
2 See note 3 on slide 11.
For additional footnotes see slide 12
2Q22
$2,683
1,169
927
590
(3)
1,156
209
$994
2Q22
$25.0
15%
43
$788
219.5
300.4
2.6
0.8
0.00%
1.16
$ 0/(U)
1Q22
$285
189
97
(10)
27
52
$144
1Q22
$25.0
13%
47
$729
210.7
316.9
2.4
0.8
0.01%
1.11
2Q21
$200
160
76
(9)
(27)
175
586
($428)
2Q21
$24.0
23%
40
$1,164
205.3
290.3
2.6
1.0
0.01%
1.29
6
CIB
CB
AWM Corp.
Financial performance
Net income of $1.0B, down 30% YoY, driven by a net credit reserve
build compared to a net release in the prior year
■ Revenue of $2.7B, up 8% YoY, driven by higher deposit margins,
partially offset by lower investment banking revenue
■ Gross IB revenue of $788mm, down 32% YoY
■ Expense of $1.2B, up 18% YoY, predominantly driven by higher
structural and volume- and revenue-related expense
■ Credit costs of $209mm, reflecting a net reserve build, largely driven
by loan growth
■ Average loans of $219B, up 7% YoY and up 4% QOQ
■ C&17 up 7% YoY and up 6% QOQ
- Ex-PPP, up 15% YoY and up 6% QOQ
CRE7 up 6% YoY and up 3% QOQ
■ Average deposits of $300B, up 4% YoY and down 5% QoQ, driven
by migration of non-operating balances to higher yielding alternatives
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