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/loans6
1 See note 1 on slide 11
2 See note 3 on slide 12
For additional footnotes see slide 13.
3Q22
$3,048
1,366
1,052
624
1,180
618
$946
3Q22
$25.0
14%
39
$761
229.1
281.3
3.1
0.8
0.07%
1.32
$ 0/(U)
2Q22
3Q21
$365
$528
197
349
125
174
34
22
9
(17)
24
148
409
981
($48) ($463)
2Q22
$25.0
15%
43
$788
219.5
300.4
2.6
0.8
0.00%
1.16
3Q21
$24.0
22%
41
$1,343
202.6
300.6
2.4
0.7
0.06%
1.17
6
CIB
CB
AWM Corp.
Financial performance
■ Net income of $946mm, down 33% YoY, driven by a net credit
reserve build compared to a net release in the prior year
■ Revenue of $3.0B, up 21% YoY, driven by higher deposit margins,
partially offset by lower investment banking revenue
■ Gross IB revenue of $761mm, down 43% YoY
■ Expense of $1.2B, up 14% YoY, largely driven by higher structural
and volume and revenue-related expense
■ Credit costs of $618mm, reflecting a net reserve build, largely driven
by growth in loans and lending-related commitments and the impact
of updates to the Firm's macroeconomic scenarios
Average loans of $229B, up 13% YoY and up 4% QOQ
■ C&17 up 18% YoY and up 7% QOQ
I CRE7 up 9% YoY and up 2% QOQ
■ Average deposits of $281B, down 6% YoY and QoQ, primarily
driven by attrition of non-operating deposits
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