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
3Q22
$14,331
8,010
920
5,401
8,047
529
679
(150)
1 See note 1 on slide 11
2 See note 3 on slide 12
For additional footnotes see slide 13.
$4,334
3Q22
$50.0
33%
56
$442.7
1,174.2
48.9
$395.8
$ 0/(U)
2Q22
$1,717
1,452
(81)
346
324
(232)
68
(300)
$1,234
2Q22
$50.0
24%
61
$436.6
1,180.5
47.4
$397.0
3Q21
$1,810
1,853
(480)
437
809
988
188
800
($17)
3Q21
$50.0
34%
58
$434.1
1,076.3
44.3
$349.9
Average loans up 2% YoY and 1% QOQ
■ Ex-PPP, average loans of $441.7B, up 5% YoY and 2% QOQ
Average deposits up 9% YoY and down 1% QOQ
Active mobile customers up 10% YoY
Debit & credit card sales volume up 13% YoY
■ Client investment assets down 10% YoY
4
CCB
CIB
Financial performance
■ Net income of $4.3B vs. $4.4B in 3Q21
■ Revenue of $14.3B, up 14% YoY
■ Expense of $8.0B, up 11% YoY, reflecting higher investments in the
business 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
■ Credit costs of $529mm
■NCOs of $679mm, up $188mm YoY, largely driven by Card
■ Reserve release of $150mm in Home Lending
Key drivers / statistics ($B) - detail by business
3Q22
CB
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
$21.3
1.0
615.0
1.83%
AWM Corp.
$176.9
12.1
586.7
(0.14)%
$168.1
80.4
7.5
1.40%
9.92
$272.3
2Q22
$22.8
1.2
628.5
1.31%
$177.3
21.9
575.6
(0.16)%
$158.4
83.4
7.0
1.47%
9.59
$271.2
3Q21
$35.6
0.8
681.5
1.29%
$181.2
41.6
509.3
(0.18)%
$142.0
86.5
11.5
1.39%
9.74
$232.0
JPMORGAN CHASE & Co.View entire presentation