- JPMorgan Chase & Co. reported a net loss of $380 million for the third quarter of 2013 compared to net income of $6.496 billion for the second quarter of 2013. - Total net revenue was $23.117 billion for the third quarter, down 8% from the prior quarter, driven by lower investment banking and mortgage fees and higher noninterest expense, including legal expense. - The firm recorded a provision for credit losses of $543 million for the third quarter compared to $47 million in the prior quarter, reflecting a higher allowance for loan losses.

1. EARNINGS RELEASE FINANCIAL SUPPLEMENT
THIRD QUARTER 2013

2. JPMORGAN CHASE & CO.
TABLE OF CONTENTS
Page(s)
Consolidated Results
Consolidated Financial Highlights
Consolidated Statements of Income
Consolidated Balance Sheets
Condensed Average Balance Sheets and Annualized Yields
Core Net Interest Income
Reconciliation from Reported to Managed Summary
Business Detail
Line of Business Financial Highlights - Managed Basis
Consumer & Community Banking
Consumer & Business Banking
Mortgage Banking
Card, Merchant Services & Auto
Corporate & Investment Bank
Commercial Banking
Asset Management
Corporate/Private Equity
Credit-Related Information
Market Risk-Related Information
Supplemental Detail
Capital and Other Selected Balance Sheet Items
Mortgage Repurchase Liability
Per Share-Related Information
Non-GAAP Financial Measures
Glossary of Terms
2-3
4
5
6
7
8
9
10-11
12
13-16
17-18
19-22
23-24
25-29
30-31
32-37
38
39
40
41
42
43-47
Page 1

3. JPMORGAN CHASE & CO.
CONSOLIDATED FINANCIAL HIGHLIGHTS
(in millions, except per share and ratio data)
QUARTERLY TRENDS
SELECTED INCOME STATEMENT DATA
Reported Basis
Total net revenue
Total noninterest expense
Pre-provision profit/(loss)
Provision for credit losses
NET INCOME(LOSS)
3Q13
$
Managed Basis (a)
Total net revenue
Total noninterest expense
Pre-provision profit
Provision for credit losses
NET INCOME/(LOSS)
FINANCIAL RATIOS (d)
Return on common equity ("ROE")
Return on tangible common equity ("ROTCE") (b)
Return on assets
Return on risk-weighted assets (e)(f)
CAPITAL RATIOS (f)
Tier 1 capital ratio
Total capital ratio
Tier 1 common capital ratio (g)
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
(i)
$
23,880
23,626
254
(543)
(380)
PER COMMON SHARE DATA
Net income/(loss): Basic
Diluted
Cash dividends declared
Book value
Tangible book value (b)
COMMON SHARES OUTSTANDING
Average: Basic
Diluted
Common shares at period-end
Closing share price (c)
Market capitalization
23,117
23,626
(509)
(543)
(380)
2Q13
$
(1) %
(2)
(0.06)
(0.11) (i)
11.7 (i)
14.3 (i)
10.5 (i)
$
25,958
15,866
10,092
47
6,496
(0.17)
(0.17)
0.38
52.01
39.51
3,767.0
3,767.0
3,759.2
51.69
194,312
25,211
15,866
9,345
47
6,496
1Q13
$
$
23,653
16,047
7,606
656
5,692
3Q12
$
25,146
15,371
9,775
1,789
5,708
(8) %
49
NM
NM
NM
(8) %
54
NM
NM
NM
25,848
15,423
10,425
617
6,529
$
24,378
16,047
8,331
656
5,692
25,863
15,371
10,492
1,789
5,708
(8)
49
(97)
NM
NM
1.40
1.39
0.30
51.27
38.75
1.41
1.40
0.30
50.17
37.53
NM
NM
(1)
(1)
NM
NM
27
4
5
3,818.2
3,847.0
3,789.8
47.46
179,863
3,806.7
3,820.9
3,804.0
43.97
167,260
3,803.3
3,813.9
3,799.6
40.48
153,806
(1)
(2)
(2)
$
(8)
54
(98)
NM
NM
1.61
1.59
0.30
52.02
39.54
1.61
1.60
0.38 (h)
52.48
39.97
3,782.4
3,814.3
3,769.0
52.79
198,966
25,122
15,423
9,699
617
6,529
4Q12
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
$
$
(1)
(1)
(1)
28
26
73,450
54,915
18,535
121
12,645
$
$
3,789.2
3,820.9
3,759.2
51.69
194,312
$
13
(23)
(96)
(19)
3.82
3.81
0.90
50.17
37.53
3.08
3.05
1.06 (h)
52.01
39.51
- %
13
(25)
(96)
(19)
75,512
48,682
26,830
2,729
15,592
75,686
54,915
20,771
121
12,645
73,378
48,682
24,696
2,729
15,592
(19)
(20)
18
4
5
3,810.4
3,822.6
3,799.6
40.48
153,806
(1)
(1)
28
26
13 %
17
1.09
1.85
13 %
17
1.14
1.88
11 %
15
0.98
1.76
12 %
16
1.01
1.74
8 %
11
0.71
1.20 (i)
11 %
15
0.92
1.61
11.6
14.1
10.4
11.6
14.1
10.2
12.6
15.3
11.0
11.9
14.7
10.4
11.7 (i)
14.3 (i)
10.5 (i)
11.9
14.7
10.4
For a further discussion of managed basis, see Reconciliation from Reported to Managed Summary on page 8.
Tangible book value per share and ROTCE are non-GAAP financial measures. Tangible book value per share represents the Firm's tangible common equity divided by period-end common shares. ROTCE measures the Firm's annualized earnings as a percentage of tangible
common equity. For further discussion of these measures, see page 42.
Share price shown for JPMorgan Chase's common stock is from the New York Stock Exchange. JPMorgan Chase's common stock is also listed and traded on the London Stock Exchange and the Tokyo Stock Exchange.
Ratios are based upon annualized amounts.
Return on Basel I risk-weighted assets is the annualized earnings of the Firm divided by its average risk-weighted assets.
Basel 2.5 rules became effective for the Firm on January 1, 2013. The implementation of these rules in the first quarter of 2013 resulted in an increase of approximately $150 billion in risk-weighted assets compared with the Basel I rules. The implementation of these rules also
resulted in decreases of the Firm’s Tier 1 capital, Total capital and Tier 1 common capital ratios by 140 basis points, 160 basis points and 120 basis points, respectively, at March 31, 2013. For further discussion of Basel 2.5, see Regulatory capital on pages 60-63 of JPMorgan
Chase's 2Q13 Form 10-Q.
Basel I Tier 1 common capital ratio (“Tier 1 common ratio”) is Tier 1 common capital (“Tier 1 common”) divided by risk-weighted assets. The Firm uses Tier 1 common capital along with the other capital measures to assess and monitor its capital position. For further discussion
of the Tier 1 common capital ratio, see page 42.
On May 21, 2013, the Board of Directors of JPMorgan Chase increased the Firm's quarterly common stock dividend from $0.30 to $0.38 per share.
Estimated.
Page 2

4. JPMORGAN CHASE & CO.
CONSOLIDATED FINANCIAL HIGHLIGHTS,
(in millions, except ratio and headcount data)
QUARTERLY TRENDS
3Q13
SELECTED BALANCE SHEET DATA (period-end)
Total assets
Loans:
Consumer, excluding credit card loans
Credit card loans
Wholesale loans
Total Loans
Deposits
Common stockholders' equity
Total stockholders' equity
2Q13
1Q13
4Q12
3Q12
$ 2,463,309
$ 2,439,494
$ 2,389,349
$ 2,359,141
$ 2,321,284
288,350
123,982
316,347
728,679
1,281,102
195,512
206,670
288,096
124,288
313,202
725,586
1,202,950
197,781
209,239
290,082
121,865
316,939
728,886
1,202,507
197,128
207,086
292,620
127,993
313,183
733,796
1,193,593
195,011
204,069
295,079
124,537
302,331
721,947
1,139,611
190,635
199,693
Loans-to-deposits ratio
57 %
Headcount (a)
LINE OF BUSINESS NET INCOME/(LOSS) (b)
Consumer & Community Banking
Corporate & Investment Bank
Commercial Banking
Asset Management
Corporate/Private Equity
NET INCOME/(LOSS)
(a)
(b)
60 %
255,041
$
$
2,702
2,240
665
476
(6,463)
(380)
61 %
254,063
$
$
3,089
2,838
621
500
(552)
6,496
61 %
255,898
$
$
2,586
2,610
596
487
250
6,529
$
1,989
2,005
692
483
523
5,692
1 %
1
6
(1)
(1)
6 %
$ 2,463,309
$ 2,321,284
288,350
123,982
316,347
728,679
1,281,102
195,512
206,670
295,079
124,537
302,331
721,947
1,139,611
190,635
199,693
(2)
5
1
12
3
3
63 %
258,753
$
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
259,144
$
$
2,355
1,992
690
443
228
5,708
57 %
-
(13)
(21)
7
(5)
NM
NM
(2)
15
12
(4)
7
NM
NM
$
8,377
7,688
1,882
1,463
(6,765)
12,645
(2)
5
1
12
3
3
63 %
255,041
$
6 %
259,144
$
$
8,562
6,401
1,954
1,220
(2,545)
15,592
(2)
(2)
20
(4)
20
(166)
(19)
Effective January 1, 2013, interns are excluded from the firmwide and business segment headcount metrics reported on this page and throughout this Financial Supplement. Prior periods were revised to conform with this presentation.
In the second quarter of 2013, the 2012 net income/(loss) data of Consumer & Community Banking ("CCB") and Corporate/Private Equity were revised to reflect the transfer of certain technology and operations, as well as real estate-related functions and staff, from Corporate/
Private Equity to CCB, effective January 1, 2013. For further information on this transfer, see CCB on page 10, Consumer & Business Banking on page 12 and Corporate/Private Equity on page 30.
Page 3

5. JPMORGAN CHASE & CO.
CONSOLIDATED STATEMENTS OF INCOME
(in millions, except per share and ratio data)
QUARTERLY TRENDS
REVENUE
Investment banking fees
Principal transactions
Lending- and deposit-related fees
Asset management, administration and commissions
Securities gains
Mortgage fees and related income
Card income
Other income
Noninterest revenue
Interest income
Interest expense
Net interest income
TOTAL NET REVENUE
$
Provision for credit losses
NONINTEREST EXPENSE
Compensation expense
Occupancy expense
Technology, communications and equipment expense
Professional and outside services
Marketing
Other expense (a)
Amortization of intangibles
TOTAL NONINTEREST EXPENSE
Income before income tax expense
Income tax expense
NET INCOME/(LOSS)
PER COMMON SHARE DATA
Basic earnings
Diluted earnings
FINANCIAL RATIOS
Return on common equity (b)
Return on tangible common equity (b)(c)
Return on assets (b)
Return on risk-weighted assets (b)(c)(d)
Effective income tax rate
Overhead ratio
(a)
(b)
(c)
(d)
(e)
3Q13
1,507
2,662
1,519
3,667
26
841
1,518
602
12,342
13,162
2,387
10,775
23,117
$
2Q13
1,717
3,760
1,489
3,865
124
1,823
1,503
226
14,507
13,145
2,441
10,704
25,211
$
1Q13
1,445
3,761
1,468
3,599
509
1,452
1,419
536
14,189
13,427
2,494
10,933
25,122
$
4Q12
1,727
1,194
1,571
3,679
102
2,035
1,502
721
12,531
13,634
2,512
11,122
23,653
$
3Q12
1,443
2,047
1,562
3,336
458
2,377
1,428
1,519
14,170
13,629
2,653
10,976
25,146
3Q13 Change
2Q13
3Q12
(12) %
4 %
(29)
30
2
(3)
(5)
10
(79)
(94)
(54)
(65)
1
6
166
(60)
(15)
(13)
(3)
(2)
(10)
1
(2)
(8)
(8)
(543)
$
$
47
617
656
1,789
NM
NM
7,325
947
1,356
1,897
588
11,373
140
23,626
34
414
(380)
8,019
904
1,361
1,901
578
2,951
152
15,866
9,298
2,802
6,496
8,414
901
1,332
1,734
589
2,301
152
15,423
9,082
2,553
6,529
7,042
911
1,359
2,018
648
3,678
391
16,047
6,950
1,258
5,692
7,503
973
1,312
1,759
607
3,035
182
15,371
7,986
2,278
5,708
(9)
5
2
285
(8)
49
(100)
(85)
NM
(2)
(3)
3
8
(3)
275
(23)
54
(100)
(82)
NM
NM
NM
NM
NM
$
(0.17)
(0.17)
(1) %
(2)
(0.06)
(0.11) (e)
NM
102
$
$
1.61
1.60
13 %
17
1.09
1.85
30
63
$
$
1.61
1.59
13 %
17
1.14
1.88
28
61
$
$
1.40
1.39
11 %
15
0.98
1.76
18
68
$
$
1.41
1.40
12 %
16
1.01
1.74
29
61
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
4,669
$
4,081
14 %
10,183
4,342
135
4,476
4,625
(3)
11,131
10,189
9
659
2,008
(67)
4,116
6,652
(38)
4,440
4,156
7
1,364
3,537
(61)
41,038
39,590
4
39,734
42,429
(6)
7,322
8,641
(15)
32,412
33,788
(4)
73,450
73,378
121
$
$
2,729
(96)
23,758
2,752
4,049
5,532
1,755
16,625
444
54,915
18,414
5,769
12,645
23,543
3,014
3,865
5,411
1,929
10,354
566
48,682
21,967
6,375
15,592
1
(9)
5
2
(9)
61
(22)
13
(16)
(10)
(19)
3.82
3.81
(19)
(20)
3.08
3.05
8 %
11
0.71
1.20 (e)
31
75
$
$
11 %
15
0.92
1.61
29
66
Included litigation expense of $9.3 billion, $0.7 billion, $0.3 billion, $1.2 billion and $0.8 billion for the three months ended September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively, and $10.3 billion and $3.8 billion for the
nine months ended September 30, 2013 and 2012, respectively.
Ratios are based upon annualized amounts.
For further discussion of ROTCE and return on Basel I risk-weighted assets, see pages 2 and 42.
In the first quarter of 2013, the Firm implemented Basel 2.5. For further information, see footnote (f) on page 2.
Estimated.
Page 4

6. JPMORGAN CHASE & CO.
CONSOLIDATED BALANCE SHEETS
(in millions)
Sep 30,
2013
ASSETS
Cash and due from banks
Deposits with banks
Federal funds sold and securities purchased under
resale agreements
Securities borrowed
Trading assets:
Debt and equity instruments
Derivative receivables
Securities
Loans
Less: Allowance for loan losses
Loans, net of allowance for loan losses
Accrued interest and accounts receivable
Premises and equipment
Goodwill
Mortgage servicing rights
Other intangible assets
Other assets
TOTAL ASSETS
LIABILITIES
Deposits
Federal funds purchased and securities loaned or sold
under repurchase agreements
Commercial paper
Other borrowed funds
Trading liabilities:
Debt and equity instruments
Derivative payables
Accounts payable and other liabilities
Beneficial interests issued by consolidated VIEs
Long-term debt
TOTAL LIABILITIES
STOCKHOLDERS' EQUITY
Preferred stock
Common stock
Capital surplus
Retained earnings
Accumulated other comprehensive income
Shares held in RSU Trust, at cost
Treasury stock, at cost
TOTAL STOCKHOLDERS' EQUITY
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY
$
30,664
371,445
Jun 30,
2013
$
29,214
311,318
Mar 31,
2013
$
45,524
257,635
Dec 31,
2012
$
53,723
121,814
Sep 30,
2012
$
Sep 30, 2013
Change
Jun 30,
Sep 30,
2013
2012
53,343
104,344
5
19
%
(43)
%
256
235,916
122,438
252,507
117,158
218,343
114,058
296,296
119,017
281,991
133,526
(7)
5
(16)
316,560
66,788
356,556
728,679
17,571
711,108
66,269
14,876
48,100
9,490
1,817
111,282
$ 2,463,309
327,719
73,751
354,725
725,586
19,384
706,202
81,562
14,574
48,057
9,335
1,951
111,421
$ 2,439,494
360,382
70,609
365,744
728,886
20,780
708,106
74,208
14,541
48,067
7,949
2,082
102,101
$ 2,389,349
375,045
74,983
371,152
733,796
21,936
711,860
60,933
14,519
48,175
7,614
2,235
101,775
$ 2,359,141
367,090
79,963
365,901
721,947
22,824
699,123
62,989
14,271
48,178
7,080
2,641
100,844
$ 2,321,284
(3)
(9)
1
(9)
1
(19)
2
2
(7)
1
(14)
(16)
$ 1,281,102
$ 1,202,950
$ 1,202,507
$ 1,193,593
$ 1,139,611
6
12
218,728
53,741
30,436
258,962
56,631
30,385
248,245
58,835
27,200
240,103
55,367
26,636
257,218
55,474
22,255
(16)
(5)
-
(15)
87,334
60,785
212,283
48,858
263,372
2,256,639
84,208
64,385
211,432
55,090
266,212
2,230,255
63,737
61,989
193,089
58,300
268,361
2,182,263
61,262
70,656
195,240
63,191
249,024
2,155,072
71,471
73,462
203,042
57,918
241,140
2,121,591
4
(6)
(11)
(1)
1
22
(17)
(3)
(2)
187
(4)
(1)
1
23
11,158
4,105
93,555
112,135
390
(21)
(14,652)
206,670
$ 2,463,309
11,458
4,105
93,416
114,216
136
(21)
(14,071)
209,239
$ 2,439,494
9,958
4,105
93,161
109,402
3,491
(21)
(13,010)
207,086
$ 2,389,349
9,058
4,105
94,604
104,223
4,102
(21)
(12,002)
204,069
$ 2,359,141
9,058
4,105
94,431
99,888
4,426
(38)
(12,177)
199,693
$ 2,321,284
(8)
(3)
1
(23)
2
5
4
34
(31)
10
6
(3)
37
5
(16)
9
6
(1)
12
(91)
45
(20)
3
6
Page 5

7. JPMORGAN CHASE & CO.
CONDENSED AVERAGE BALANCE SHEETS AND ANNUALIZED YIELDS
(in millions, except rates)
QUARTERLY TRENDS
AVERAGE BALANCES
ASSETS
Deposits with banks
Federal funds sold and securities purchased under
resale agreements
Securities borrowed
Trading assets - debt instruments
Securities
Loans
Other assets (a)
Total interest-earning assets
Trading assets - equity instruments
Trading assets - derivative receivables
All other noninterest-earning assets
TOTAL ASSETS
LIABILITIES
Interest-bearing deposits
Federal funds purchased and securities loaned or
sold under repurchase agreements
Commercial paper
Trading liabilities - debt, short-term and other liabilities (b)
Beneficial interests issued by consolidated VIEs
Long-term debt
Total interest-bearing liabilities
Noninterest-bearing deposits
Trading liabilities - equity instruments
Trading liabilities - derivative payables
All other noninterest-bearing liabilities
TOTAL LIABILITIES
Preferred stock
Common stockholders' equity
TOTAL STOCKHOLDERS' EQUITY
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY
AVERAGE RATES (c)
INTEREST-EARNING ASSETS
Deposits with banks
Federal funds sold and securities purchased under
resale agreements
Securities borrowed (d)
Trading assets - debt instruments
Securities
Loans
Other assets (a)(e)
Total interest-earning assets
INTEREST-BEARING LIABILITIES
Interest-bearing deposits
Federal funds purchased and securities loaned or
sold under repurchase agreements
Commercial paper
Trading liabilities - debt, short-term and other liabilities (b)(d)
Beneficial interests issued by consolidated VIEs
Long-term debt
Total interest-bearing liabilities
INTEREST RATE SPREAD
NET YIELD ON INTEREST-EARNING ASSETS
(a)
(b)
(c)
(d)
(e)
3Q13
$
321,271
2Q13
$
265,821
1Q13
$
156,988
4Q12
$
124,832
3Q12
$
126,605
229,730
119,950
212,228
351,648
723,538
39,048
1,997,413
103,347
71,657
217,352
$ 2,389,769
231,972
115,194
240,952
359,108
727,499
39,920
1,980,466
116,333
75,310
227,861
$ 2,399,970
231,421
120,337
250,502
368,673
725,124
43,039
1,896,084
120,192
74,918
230,836
$ 2,322,030
252,529
128,329
244,346
365,883
725,610
33,004
1,874,533
119,598
77,974
238,684
$ 2,310,789
233,576
134,980
228,120
351,733
723,077
31,689
1,829,780
103,279
85,303
233,395
$ 2,251,757
$
$
$
$
$
832,192
231,938
53,287
213,261
52,522
265,396
1,648,596
364,495
14,696
63,378
89,419
2,180,584
11,953
197,232
209,185
$ 2,389,769
0.33 %
810,096
264,240
54,391
201,668
56,742
270,796
1,657,933
363,537
13,737
66,246
90,139
2,191,592
11,095
197,283
208,378
$ 2,399,970
0.34 %
787,870
250,827
53,084
184,824
60,341
254,326
1,591,272
355,913
13,203
68,683
88,618
2,117,689
9,608
194,733
204,341
$ 2,322,030
0.42 %
758,645
260,415
53,401
181,089
58,973
245,343
1,557,866
374,893
14,264
72,049
90,684
2,109,756
9,058
191,975
201,033
$ 2,310,789
0.43 %
742,570
251,071
52,523
189,981
56,609
231,723
1,524,477
355,478
16,244
77,851
82,839
2,056,889
8,278
186,590
194,868
$ 2,251,757
0.41 %
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
21 %
154 %
$
248,628
(1)
4
(12)
(2)
(1)
(2)
1
(11)
(5)
(5)
-
(2)
(11)
(7)
23
9
(16)
(7)
6
231,035
118,492
234,420
359,748
725,381
40,655
1,958,359
113,229
73,950
225,300
$ 2,370,838
235,393
132,493
230,826
362,341
721,301
32,954
1,831,633
113,607
88,353
225,357
$ 2,258,950
3
12
$
$
(12)
(2)
6
(7)
(2)
(1)
7
(4)
(1)
(1)
8
-
(8)
1
12
(7)
15
8
3
(10)
(19)
8
6
44
6
7
6
810,215
248,932
53,588
200,022
56,506
263,547
1,632,810
361,346
13,884
66,083
89,396
2,163,519
10,894
196,425
207,319
$ 2,370,838
0.35 %
$
116,325
748,564
244,582
49,901
197,609
60,657
245,770
1,547,083
348,033
14,141
77,543
82,398
2,069,198
7,961
181,791
189,752
$ 2,258,950
114 %
(2)
(11)
2
(1)
1
23
7
(16)
5
8
2
7
1
(7)
7
6
4
(2)
(15)
8
5
37
8
9
5
0.48 %
0.84
(0.12)
3.78
2.40
4.57
1.54
2.65
0.85
(0.11)
3.69
2.10
4.62
1.48
2.70
0.90
(0.02)
3.72
2.19
4.78
0.75
2.91
0.91
(0.03)
3.81
2.04
4.83
1.01
2.93
0.97
(0.05)
3.81
2.11
4.98
0.55
3.01
0.86
(0.08)
3.73
2.23
4.66
1.24
2.75
1.06
0.01
4.02
2.38
5.02
0.71
3.14
0.25
0.27
0.28
0.30
0.34
0.26
0.37
0.19
0.21
0.72
0.85
1.85
0.57
0.24
0.21
0.65
0.89
1.87
0.59
0.27
0.20
0.72
0.90
2.06
0.64
0.22
0.19
0.63
0.98
2.17
0.64
0.22
0.19
0.50
1.09
2.51
0.69
0.23
0.21
0.69
0.88
1.92
0.60
0.21
0.17
0.59
1.11
2.57
0.75
2.08 %
2.18 %
2.11 %
2.20 %
2.27 %
2.37 %
2.29 %
2.40 %
2.32 %
2.43 %
2.15 %
2.25 %
2.39 %
2.51 %
Includes margin loans.
Includes brokerage customer payables.
Interest includes the effect of related hedging derivatives. Taxable-equivalent amounts are used where applicable.
Negative yield is the result of increased client-driven demand for certain securities combined with the impact of low interest rates; the offset of this matched book activity is reflected as lower net interest expense reported within trading liabilities - debt, short-term and other
liabilities.
Effective April 1, 2013, the net results previously recorded in net interest income for the Firm's hedges of investments in non-U.S. subsidiaries have been reclassified to other income. The effect of this reclassification on the total interest-earning assets rate and net yield on
interest-earning assets was not material; and therefore, prior period amounts have not been revised.
Page 6

8. JPMORGAN CHASE & CO.
CORE NET INTEREST INCOME
(in millions, except rates)
In addition to reviewing JPMorgan Chase's net interest income on a managed basis, management also reviews core net interest income to assess the performance of its core lending, investing (including asset-liability management) and deposit-raising activities (which excludes the
impact of Corporate & Investment Bank's ("CIB") market-based activities). The core data presented below are non-GAAP financial measures due to the exclusion of CIB's market-based net interest income and the related assets. Management believes this exclusion provides investors
and analysts a more meaningful measure by which to analyze the non-market-related business trends of the Firm and provides a comparable measure to other financial institutions that are primarily focused on core lending, investing and deposit-raising activities. For a further
discussion of these measures, see Explanation and Reconciliation of the Firm's Use of Non-GAAP Financial Measures on pages 76-77 of JPMorgan Chase's Annual Report on Form 10-K for the year ended December 31, 2012 (the "2012 Annual Report").
QUARTERLY TRENDS
3Q13
CORE NET INTEREST INCOME DATA (a)
Net interest income - managed basis (b)(c)
Less: Market-based net interest income
Core net interest income (b)
Average interest-earning assets
Less: Average market-based earning assets
Core average interest-earning assets
Net interest yield on interest-earning assets managed basis
Net interest yield on market-based activities
Core net interest yield on core average interest-earning
assets
(a)
(b)
(c)
$
$
2Q13
10,956
1,109
9,847
$
$
$ 1,997,413
493,780
$ 1,503,633
2.18
0.89
2.60
1Q13
10,869
1,345
9,524
$
$
$ 1,980,466
512,631
$ 1,467,835
%
2.20
1.05
2.60
4Q12
11,095
1,432
9,663
$
$
$ 1,896,084
508,941
$ 1,387,143
%
2.37
1.14
2.83
3Q12
11,299
1,487
9,812
$
2.40
1.17
2.85
1
(18)
3
$ 1,829,780
497,469
$ 1,332,311
$ 1,874,533
503,825
$ 1,370,708
%
11,176
1,386
9,790
1
(4)
2
$
%
2.43
1.11
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
%
(2)
(20)
%
1
9
(1)
13
%
2.92
$
$
32,920
3,886
29,034
$
$
$ 1,958,359
505,062
$ 1,453,297
2.25
1.03
2.67
34,354
4,300
30,054
(4)
(10)
(3)
$ 1,831,633
497,832
$ 1,333,801
%
2.51
1.15
7
1
9
%
3.01
Includes core lending, investing and deposit-raising activities on a managed basis across the Firm's business segments and Corporate/Private Equity; excludes the market-based activities within the CIB.
Interest includes the effect of related hedging derivatives. Taxable-equivalent amounts are used where applicable.
For a reconciliation of net interest income on a reported and managed basis, see Reconciliation from Reported to Managed Summary on page 8.
Page 7
%

9. JPMORGAN CHASE & CO.
RECONCILIATION FROM REPORTED TO MANAGED SUMMARY
(in millions, except ratios)
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 the Firm's results and the results of the lines of business on
a “managed” basis, which is a non-GAAP financial measure. For additional information on managed basis, refer to the notes on Non-GAAP Financial Measures on page 42.
The following summary table provides a reconciliation from the Firm's reported U.S. GAAP results to managed basis.
QUARTERLY TRENDS
3Q13
OTHER INCOME
Other income - reported
Fully taxable-equivalent adjustments (a)
Other income - managed
TOTAL NONINTEREST REVENUE
Total noninterest revenue - reported
Fully taxable-equivalent adjustments (a)
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 (a)
Total net revenue - managed
PRE-PROVISION PROFIT/(LOSS)
Pre-provision profit - reported
Fully taxable-equivalent adjustments (a)
Pre-provision profit - managed
INCOME BEFORE INCOME TAX EXPENSE
Income before income tax expense - reported
Fully taxable-equivalent adjustments (a)
Income before income tax expense - managed
INCOME TAX EXPENSE
Income tax expense - reported
Fully taxable-equivalent adjustments (a)
Income tax expense - managed
OVERHEAD RATIO
Overhead ratio - reported
Overhead ratio - managed
(a)
$
$
$
$
$
$
$
$
$
$
$
$
$
$
2Q13
602
582
1,184
$
12,342
582
12,924
$
10,775
181
10,956
$
23,117
763
23,880
$
$
$
$
$
(509)
763
254
$
34
763
797
$
414
763
1,177
$
102 %
99
$
$
$
1Q13
226
582
808
$
14,507
582
15,089
$
10,704
165
10,869
$
25,211
747
25,958
$
9,345
747
10,092
$
9,298
747
10,045
$
2,802
747
3,549
$
63 %
61
$
$
$
$
$
$
$
4Q12
536
564
1,100
$
14,189
564
14,753
$
10,933
162
11,095
$
25,122
726
25,848
$
9,699
726
10,425
$
9,082
726
9,808
$
2,553
726
3,279
$
61 %
60
$
$
$
$
$
$
$
3Q12
721
548
1,269
$
12,531
548
13,079
$
11,122
177
11,299
$
23,653
725
24,378
$
7,606
725
8,331
$
6,950
725
7,675
$
1,258
725
1,983
$
68 %
66
$
$
$
$
$
$
$
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
1,519
517
2,036
166 %
47
(60) %
13
(42)
$
14,170
517
14,687
(15)
(14)
(13)
13
(12)
$
10,976
200
11,176
1
10
1
(2)
(10)
(2)
$
25,146
717
25,863
(8)
2
(8)
(8)
6
(8)
$
9,775
717
10,492
NM
2
(97)
NM
6
(98)
$
7,986
717
8,703
(100)
2
(92)
(100)
6
(91)
$
2,278
717
2,995
(85)
2
(67)
(82)
6
(61)
$
61 %
59
$
$
$
$
$
$
$
1,364
1,728
3,092
$
41,038
1,728
42,766
$
32,412
508
32,920
$
73,450
2,236
75,686
$
18,535
2,236
20,771
$
18,414
2,236
20,650
$
5,769
2,236
8,005
$
75 %
73
$
$
$
$
$
$
$
3,537
1,568
5,105
(61) %
10
(39)
39,590
1,568
41,158
4
10
4
33,788
566
34,354
(4)
(10)
(4)
73,378
2,134
75,512
5
-
24,696
2,134
26,830
(25)
5
(23)
21,967
2,134
24,101
(16)
5
(14)
6,375
2,134
8,509
(10)
5
(6)
66 %
64
Predominantly recognized in the Corporate & Investment Bank and Commercial Banking business segments and Corporate/Private Equity.
Page 8

10. JPMORGAN CHASE & CO.
LINE OF BUSINESS FINANCIAL HIGHLIGHTS - MANAGED BASIS
(in millions)
QUARTERLY TRENDS
3Q13
TOTAL NET REVENUE (fully taxable-equivalent ("FTE")) (a)
Consumer & Community Banking
Corporate & Investment Bank
Commercial Banking
Asset Management
Corporate/Private Equity
TOTAL NET REVENUE
TOTAL NONINTEREST EXPENSE (a)
Consumer & Community Banking
Corporate & Investment Bank
Commercial Banking
Asset Management
Corporate/Private Equity
TOTAL NONINTEREST EXPENSE
PRE-PROVISION PROFIT/(LOSS) (a)
Consumer & Community Banking
Corporate & Investment Bank
Commercial Banking
Asset Management
Corporate/Private Equity
PRE-PROVISION PROFIT
PROVISION FOR CREDIT LOSSES
Consumer & Community Banking
Corporate & Investment Bank
Commercial Banking
Asset Management
Corporate/Private Equity
PROVISION FOR CREDIT LOSSES
NET INCOME/(LOSS) (a)
Consumer & Community Banking
Corporate & Investment Bank
Commercial Banking
Asset Management
Corporate/Private Equity
TOTAL NET INCOME/(LOSS)
(a)
$
$
$
$
$
$
$
$
$
$
2Q13
11,082
8,189
1,725
2,763
121
23,880
$
6,867
4,999
661
2,003
9,096
23,626
$
4,215
3,190
1,064
760
(8,975)
254
$
(267)
(218)
(41)
—
(17)
(543)
$
2,702
2,240
665
476
(6,463)
(380)
$
$
$
$
$
$
1Q13
12,015
9,876
1,728
2,725
(386)
25,958
$
6,864
5,742
652
1,892
716
15,866
$
5,151
4,134
1,076
833
(1,102)
10,092
$
(19)
(6)
44
23
5
47
$
3,089
2,838
621
500
(552)
6,496
$
$
$
$
$
$
4Q12
11,615
10,140
1,673
2,653
(233)
25,848
$
6,790
6,111
644
1,876
2
15,423
$
4,825
4,029
1,029
777
(235)
10,425
$
549
11
39
21
(3)
617
$
2,586
2,610
596
487
250
6,529
$
$
$
$
$
$
3Q12
12,362
7,642
1,745
2,753
(124)
24,378
$
7,989
4,996
599
1,943
520
16,047
$
$
$
4,373
2,646
1,146
810
(644)
8,331
$
1,091
(445)
(3)
19
(6)
656
$
1,989
2,005
692
483
523
5,692
$
$
$
$
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
12,720
8,360
1,732
2,459
592
25,863
(8) %
(17)
1
NM
(8)
(13) %
(2)
12
(80)
(8)
$
6,956
5,350
601
1,731
733
15,371
(13)
1
6
NM
49
(1)
(7)
10
16
NM
54
$
5,764
3,010
1,131
728
(141)
10,492
(18)
(23)
(1)
(9)
NM
(97)
(27)
6
(6)
4
NM
(98)
$
1,862
(60)
(16)
14
(11)
1,789
NM
NM
NM
NM
NM
NM
NM
(263)
(156)
NM
(55)
NM
$
2,355
1,992
690
443
228
5,708
(13)
(21)
7
(5)
NM
NM
15
12
(4)
7
NM
NM
$
$
$
$
$
$
34,712
28,205
5,126
8,141
(498)
75,686
$
20,521
16,852
1,957
5,771
9,814
54,915
$
14,191
11,353
3,169
2,370
(10,312)
20,771
$
263
(213)
42
44
(15)
121
$
8,377
7,688
1,882
1,463
(6,765)
12,645
$
$
$
$
$
$
37,522
26,684
5,080
7,193
(967)
75,512
(7) %
6
1
13
49
-
20,838
16,854
1,790
5,161
4,039
48,682
(2)
9
12
143
13
16,684
9,830
3,290
2,032
(5,006)
26,830
(15)
15
(4)
17
(106)
(23)
2,683
(34)
44
67
(31)
2,729
(90)
NM
(5)
(34)
52
(96)
8,562
6,401
1,954
1,220
(2,545)
15,592
(2)
20
(4)
20
(166)
(19)
In the second quarter of 2013, the 2012 data for certain income statement line items were revised to reflect the transfer of certain functions and staff from Corporate/Private Equity to CCB, effective January 1, 2013. For further information on this transfer, see CCB on page 10,
Consumer & Business Banking on page 12 and Corporate/Private Equity on page 30.
Page 9

11. JPMORGAN CHASE & CO.
CONSUMER & COMMUNITY BANKING
FINANCIAL HIGHLIGHTS
(in millions, except ratio and headcount data)
QUARTERLY TRENDS
3Q13
INCOME STATEMENT (a)
REVENUE
Lending- and deposit-related fees
Asset management, administration and commissions
Mortgage fees and related income
Card income
All other income
Noninterest revenue
Net interest income
TOTAL NET REVENUE
$
Provision for credit losses
2Q13
780
515
839
1,460
367
3,961
7,121
11,082
$
(267)
1Q13
727
561
1,819
1,445
369
4,921
7,094
12,015
$
(19)
4Q12
723
533
1,450
1,362
338
4,406
7,209
11,615
$
3Q12
789
495
2,031
1,448
350
5,113
7,249
12,362
$
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
797
523
2,376
1,376
353
5,425
7,295
12,720
549
1,091
1,862
7 %
(8)
(54)
1
(1)
(20)
(8)
(2) %
(2)
(65)
6
4
(27)
(2)
(13)
NM
$
NM
2,230
1,609
4,108
4,267
1,074
13,288
21,424
34,712
$
2,332
1,598
6,649
3,998
1,123
15,700
21,822
37,522
(4) %
1
(38)
7
(4)
(15)
(2)
(7)
263
2,683
(90)
NONINTEREST EXPENSE
Compensation expense
Noncompensation expense
Amortization of intangibles
TOTAL NONINTEREST EXPENSE
2,949
3,817
101
6,867
2,966
3,789
109
6,864
3,006
3,676
108
6,790
2,852
4,790
347
7,989
2,947
3,872
137
6,956
(1)
1
(7)
-
(1)
(26)
(1)
8,921
11,282
318
20,521
8,780
11,630
428
20,838
2
(3)
(26)
(2)
Income before income tax expense
Income tax expense
NET INCOME
4,482
1,780
2,702
5,170
2,081
3,089
4,276
1,690
2,586
3,282
1,293
1,989
3,902
1,547
2,355
(13)
(14)
(13)
15
15
15
13,928
5,551
8,377
14,001
5,439
8,562
(1)
2
(2)
$
FINANCIAL RATIOS
ROE
Overhead ratio
SELECTED BALANCE SHEET DATA (period-end) (a)
Total assets
Loans:
Loans retained
Loans held-for-sale and loans at fair value (b)
Total loans
Deposits
Equity
SELECTED BALANCE SHEET DATA (average) (a)
Total assets
Loans:
Loans retained
Loans held-for-sale and loans at fair value (b)
Total loans
Deposits
Equity
Headcount (a)
(a)
(b)
$
23 %
62
$
451,166
27 %
57
$
390,345
10,758
401,103
458,867
46,000
$
453,881
$
460,642
23 %
58
$
392,067
15,274
407,341
456,814
46,000
$
457,644
$
458,902
18 %
65
$
393,575
16,277
409,852
457,176
46,000
$
463,527
$
467,282
22 %
55
$
462,690
24
59
$
463,602
(2)
(3)
402,431
15,356
417,787
422,101
43,000
402,963
18,801
421,764
438,517
43,000
$
$
(30)
(2)
-
(3)
(30)
(4)
9
7
463,812
(1)
(2)
$
451,166
$
%
27
56
$
458,315
$
463,602
(3)
402,431
15,356
417,787
422,101
43,000
390,345
10,758
401,103
458,867
46,000
$
%
(3)
(30)
(4)
9
7
469,303
(2)
390,865
14,127
404,992
456,940
46,000
392,935
18,199
411,134
453,586
46,000
397,118
21,181
418,299
441,335
46,000
400,798
19,104
419,902
426,038
43,000
404,772
17,988
422,760
416,686
43,000
(1)
(22)
(1)
1
-
(3)
(21)
(4)
10
7
393,616
17,810
411,426
450,677
46,000
411,165
17,637
428,802
409,889
43,000
(4)
1
(4)
10
7
156,064
157,886
161,123
164,391
165,179
(1)
(6)
156,064
165,179
(6)
In the second quarter of 2013, the 2012 data for certain income statement (predominantly net interest income, compensation and noncompensation expense) and balance sheet (predominantly total assets) line items, as well as headcount were revised to reflect the transfer of
certain technology and operations, as well as real estate-related functions and staff, from Corporate/Private Equity to CCB, effective January 1, 2013.
Predominantly consists of prime mortgages originated with the intent to sell that are accounted for at fair value and classified as trading assets on the Consolidated Balance Sheets and Condensed Average Balance Sheets.
Page 10

12. JPMORGAN CHASE & CO.
CONSUMER & COMMUNITY BANKING
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio data and where otherwise noted)
QUARTERLY TRENDS
3Q13
CREDIT DATA AND QUALITY STATISTICS
Net charge-offs (a)
Nonaccrual loans:
Nonaccrual loans retained
Nonaccrual loans held-for-sale and loans
at fair value
Total nonaccrual loans (b)(c)(d)
Nonperforming assets (b)(c)(d)
Allowance for loan losses
Net charge-off rate (a)(e)
Net charge-off rate, excluding purchased credit-impaired
("PCI") loans (a)(e)
Allowance for loan losses to period-end loans retained
Allowance for loan losses to period-end loans retained,
excluding PCI loans (f)
Allowance for loan losses to nonaccrual loans
retained, excluding credit card (b)(f)
Nonaccrual loans to total period-end loans, excluding
credit card
Nonaccrual loans to total period-end loans, excluding
credit card and PCI loans (b)
BUSINESS METRICS
Number of:
Branches
ATMs
Active online customers (in thousands)
Active mobile customers (in thousands)
(a)
(b)
(c)
(d)
(e)
(f)
$
2Q13
1,330
$
1Q13
1,481
$
4Q12
1,699
$
3Q12
1,791
$
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
2,817
(10) %
(53) %
$
4,510
$
7,489
(40) %
8,029
8,540
8,996
9,114
9,398
(6)
(15)
8,029
9,398
(15)
40
8,069
8,713
13,500
41
8,581
9,212
15,095
42
9,038
9,708
16,599
39
9,153
9,830
17,752
89
9,487
10,185
18,454
(2)
(6)
(5)
(11)
(55)
(15)
(14)
(27)
40
8,069
8,713
13,500
89
9,487
10,185
18,454
(55)
(15)
(14)
(27)
1.35 %
1.51 %
1.74 %
1.78 %
2.77 %
1.53 %
2.43 %
1.57
3.46
1.77
3.85
2.04
4.22
2.09
4.41
3.27
4.59
1.79
3.46
2.88
4.59
2.54
2.80
3.25
3.51
3.73
2.54
3.73
55
58
65
72
77
55
77
2.91
3.03
3.14
3.12
3.23
2.91
3.23
3.63
3.79
3.94
3.91
4.09
3.63
4.09
5,652
19,171
32,916
14,993
5,657
19,075
32,245
14,013
5,632
18,830
32,281
13,263
5,614
18,699
31,114
12,359
5,596
18,485
30,765
11,573
5,652
19,171
32,916
14,993
5,596
18,485
30,765
11,573
1
2
7
1
4
7
30
1
4
7
30
Net charge-offs and the net charge-off rate for the three months ended September 30, 2012 included $880 million of charge-offs recorded in accordance with regulatory guidance requiring loans discharged under Chapter 7 bankruptcy and not reaffirmed by the borrower
(“Chapter 7 loans”) to be charged off to the net realizable value of the collateral and to be considered nonaccrual, regardless of their delinquency status. Excluding these charge-offs, net charge-offs for the three months ended September 30, 2012 would have been $1.9 billion,
and excluding these charge-offs and PCI loans for the same period, the net charge-off rate would have been 2.25%. For further information, see Consumer Credit Portfolio on pages 140-142 of JPMorgan Chase's 2012 Annual Report.
Excludes PCI loans. Because the Firm is recognizing interest income on each pool of PCI loans, they are all considered to be performing.
Certain mortgage loans originated with the intent to sell are classified as trading assets on the Consolidated Balance Sheets and Condensed Average Balance Sheets.
At September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, nonperforming assets excluded: (1) mortgage loans insured by U.S. government agencies of $8.9 billion, $10.1 billion, $10.9 billion, $10.6 billion and $11.0 billion,
respectively, that are 90 or more days past due; (2) real estate owned insured by U.S. government agencies of $1.9 billion, $1.8 billion, $1.7 billion, $1.6 billion and $1.5 billion, respectively; and (3) student loans insured by U.S. government agencies under the Federal Family
Education Loan Program (“FFELP”) of $456 million, $488 million, $523 million, $525 million and $536 million, respectively, that are 90 or more days past due. These amounts were excluded from nonaccrual loans as reimbursement of insured amounts is proceeding normally.
Loans held-for-sale and loans accounted for at fair value were excluded when calculating the net charge-off rate.
The allowance for loan losses for PCI loans was $5.0 billion at September 30, 2013 and $5.7 billion at June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012; these amounts were also excluded from the applicable ratios.
Page 11

13. JPMORGAN CHASE & CO.
CONSUMER & COMMUNITY BANKING
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio data and where otherwise noted)
QUARTERLY TRENDS
3Q13
2Q13
1Q13
4Q12
3Q12
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
CONSUMER & BUSINESS BANKING (a)
Lending- and deposit-related fees
Asset management, administration and commissions
Card income
All other income
Noninterest revenue
Net interest income
Total net revenue
Provision for credit losses
Noninterest expense
Income before income tax expense
Net income
ROE
Overhead ratio
Overhead ratio, excluding core deposit intangibles (b)
Equity (period-end and average)
BUSINESS METRICS
Business banking origination volume
Period-end loans
Period-end deposits: (a)
Checking
Savings
Time and other
Total period-end deposits
Average loans
Average deposits: (a)
Checking
Savings
Time and other
Total average deposits
Deposit margin
Average assets (a)
CREDIT DATA AND QUALITY STATISTICS
Net charge-offs
Net charge-off rate
Allowance for loan losses
Nonperforming assets
RETAIL BRANCH BUSINESS METRICS
Investment sales volume
Client investment assets
% managed accounts
Number of:
Chase Private Client locations
Personal bankers
Sales specialists
Client advisors
Chase Private Clients
Accounts (in thousands) (c)
(a)
(b)
(c)
$
$
$
$
770
465
384
127
1,746
2,684
4,430
104
3,050
1,276
762
27 %
69
68
11,000
1,299
19,029
$
$
$
$
717
454
378
124
1,673
2,614
4,287
74
3,042
1,171
698
25 %
71
70
11,000
1,317
18,950
$
$
$
$
711
426
349
119
1,605
2,572
4,177
61
3,041
1,075
641
24 %
73
72
11,000
1,234
18,739
$
$
771
404
351
123
1,649
2,615
4,264
110
2,947
1,207
731
$
32 %
69
68
9,000
$
1,530
18,883
$
$
785
407
343
122
1,657
2,665
4,322
107
2,913
1,302
778
$
34 %
67
66
9,000
$
7 %
2
2
2
4
3
3
41
9
9
(2) %
14
12
4
5
1
2
(3)
5
(2)
(2)
$
$
2,198
1,345
1,111
370
5,024
7,870
12,894
239
9,133
3,522
2,101
26 %
71
70
11,000
-
22
$
1,685
18,568
(1)
-
(23)
2
$
3,850
19,029
$
$
$
$
2,297
1,234
1,002
375
4,908
7,979
12,887
201
8,543
4,143
2,472
37 %
66
65
9,000
(4) %
9
11
(1)
2
(1)
19
7
(15)
(15)
22
5,012
18,568
(23)
2
180,858
234,315
28,277
443,450
18,884
$
$
$
$
179,801
228,879
29,255
437,935
18,758
180,326
227,162
30,431
437,919
18,711
170,354
216,422
31,753
418,529
18,525
159,560
208,272
32,783
400,615
18,279
1
2
(3)
1
1
13
13
(14)
11
3
180,858
234,315
28,277
443,450
18,785
159,560
208,272
32,783
400,615
17,961
13
13
(14)
11
5
177,392
231,982
28,728
438,102
2.32 %
37,308
175,496
227,453
29,840
432,789
2.31 %
37,250
168,697
221,394
31,029
421,120
2.36 %
36,302
160,332
211,515
32,232
404,079
2.44 %
35,530
154,015
206,298
33,472
393,785
2.56 %
34,128
1
2
(4)
1
15
12
(14)
11
9
$
151,104
202,077
34,890
388,071
2.62 %
34,062
15
12
(14)
11
-
173,894
226,982
29,856
430,732
2.33 %
36,956
35
(7)
$
(22)
1
(9)
(21)
$
301
2.24 %
698
532
(14)
4
30
16
$
15
1
(1)
16
1
103
(3)
1
154
5
$
100
2.10 %
701
419
$
8,172
178,989
34 %
$
1,948
22,961
6,269
3,028
192,358
29,301
$
$
74
1.58 %
697
461
$
9,463
171,925
33 %
$
1,691
22,825
6,326
3,024
165,331
28,937
$
$
61
1.32 %
698
465
$
9,220
168,527
31 %
$
1,392
23,130
6,102
2,998
134,206
28,530
$
$
110
2.36 %
698
488
$
6,987
158,502
29 %
$
1,218
23,674
6,076
2,963
105,700
28,073
$
107
2.33 %
698
532
6,280
154,637
28 %
960
23,622
6,205
3,034
75,766
27,840
$
235
1.67 %
701
419
$
26,855
178,989
34 %
$
1,948
22,961
6,269
3,028
192,358
29,301
$
19,049
154,637
28 %
960
23,622
6,205
3,034
75,766
27,840
8
(21)
41
16
103
(3)
1
154
5
In the second quarter of 2013, the 2012 data for certain income statement and balance sheet line items were revised to reflect the transfer of certain functions and staff, as well as headcount, from Corporate/Private Equity to CCB, effective January 1, 2013. For further
information on this transfer, see CCB on page 10.
Consumer & Business Banking (“CBB”) uses the overhead ratio (excluding the amortization of core deposit intangibles ("CDI")), a non-GAAP financial measure, to evaluate the underlying expense trends of the business. Including CDI amortization expense in the overhead ratio
calculation would result in a higher overhead ratio in the earlier years and a lower overhead ratio in later years; this method would therefore result in an improving overhead ratio over time, all things remaining equal. This non-GAAP ratio excluded CBB's CDI amortization
expense related to prior business combination transactions of $41 million, $41 million, $41 million, $48 million and $51 million for the three months ended September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively, and
$123 million and $152 million for the nine months ended September 30, 2013 and 2012, respectively.
Includes checking accounts and Chase LiquidSM cards.
Page 12

14. JPMORGAN CHASE & CO.
CONSUMER & COMMUNITY BANKING
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio data)
QUARTERLY TRENDS
3Q13
2Q13
1Q13
4Q12
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
3Q12
MORTGAGE BANKING
Mortgage fees and related income
All other income
Noninterest revenue
Net interest income
Total net revenue
Provision for credit losses
Noninterest expense
Income before income tax expense
Net income
ROE
Overhead ratio
Equity (period-end and average)
FUNCTIONAL RESULTS
Mortgage Production
Production revenue
Production-related net interest & other income
Production-related revenue, excluding repurchase losses
Production expense (a)
Income, excluding repurchase losses
Repurchase losses
Income before income tax expense
Mortgage Servicing
Loan servicing revenue
Servicing-related net interest & other income
Servicing-related revenue
Changes in MSR asset fair value due to collection/realization
of expected cash flows
Default servicing expense
Core servicing expense
Income/(loss), excluding MSR risk management
MSR risk management, including related net interest
income/(expense)
Income/(loss) before income tax expense/(benefit)
Real Estate Portfolios
Noninterest revenue
Net interest income
Total net revenue
Provision for credit losses
Noninterest expense
Income before income tax expense
Mortgage Banking income before income tax
expense
Mortgage Banking net income
$
$
839
38
877
1,143
2,020
(1,044)
1,900
1,164
705
$
14 %
94
19,500
$
$
1,819
101
1,920
1,138
3,058
(657)
1,834
1,881
1,142
23 %
60
19,500
$
$
$
1,450
93
1,543
1,175
2,718
(198)
1,806
1,110
673
14 %
66
19,500
$
$
$
2,031
109
2,140
1,150
3,290
(269)
2,871
688
418
10 %
87
17,500
$
$
2,376
112
2,488
1,187
3,675
524
2,123
1,028
623
$
14
58
17,500
(54) %
(62)
(54)
(34)
(59)
4
(38)
(38)
(65) %
(66)
(65)
(4)
(45)
NM
(11)
13
13
$
$
4,108
232
4,340
3,456
7,796
(1,899)
5,540
4,155
2,520
11
$
17 %
71
19,500
%
-
$
$
6,649
366
7,015
3,658
10,673
(221)
6,250
4,644
2,923
$
22 %
59
17,500
(38) %
(37)
(38)
(6)
(27)
NM
(11)
(11)
(14)
11
$
311
273
584
669
(85)
175
90
$
1,064
222
1,286
720
566
16
582
$
995
223
1,218
710
508
(81)
427
$
1,407
205
1,612
876
736
53
789
$
1,582
196
1,778
678
1,100
(13)
1,087
(71)
23
(55)
(7)
NM
NM
(85)
(80)
39
(67)
(1)
NM
NM
(92)
$
2,370
718
3,088
2,099
989
110
1,099
$
4,376
582
4,958
1,871
3,087
(325)
2,762
(46)
23
(38)
12
(68)
NM
(60)
$
817
99
916
$
945
110
1,055
$
936
100
1,036
$
783
89
872
$
946
98
1,044
(14)
(10)
(13)
(14)
1
(12)
$
2,698
309
3,007
$
2,989
318
3,307
(10)
(3)
(9)
(284)
623
235
(226)
$
$
(258)
497
240
41
(254)
1,293
280
(955)
(290)
819
244
(309)
31
(2)
NM
2
(24)
(4)
27
(827)
1,595
715
(130)
(968)
2,414
753
(828)
15
(34)
(5)
84
(180)
(406)
$
(285)
475
240
55
78
133
(142)
(101)
42
(913)
150
(159)
NM
NM
NM
(155)
(244)
(374)
574
(254)
NM
(47)
9
997
1,006
520
386
100
(232)
(2)
(11)
(58)
(7)
27
NM
(8)
(20)
30
3,097
3,127
(226)
1,217
2,136
NM
(9)
(15)
1,028
623
(38)
(38)
13
13
4,644
2,923
(11)
(14)
(113)
922
809
(1,046)
375
1,480
$
1,164
705
$
$
Overhead ratios
Mortgage Production
Mortgage Servicing
Real Estate Portfolios
(a)
$
88 %
190
46
(34)
942
908
(662)
404
1,166
$
1,881
1,142
$
$
55 %
84
44
(17)
962
945
(202)
363
784
1,110
673
62 %
116
38
$
$
$
13
952
965
(283)
436
812
$
688
418
$
$
52 %
238
45
38 %
118
38
$
NM
(3)
NM
$
$
(164)
2,826
2,662
(1,910)
1,142
3,430
$
4,155
2,520
$
$
65 %
119
43
NM
(6)
61
40 %
109
39
Includes provision for credit losses associated with Mortgage Production.
Page 13

15. JPMORGAN CHASE & CO.
CONSUMER & COMMUNITY BANKING
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio data and where otherwise noted)
QUARTERLY TRENDS
3Q13
2Q13
1Q13
4Q12
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
3Q12
MORTGAGE BANKING (continued)
SUPPLEMENTAL MORTGAGE FEES AND RELATED
INCOME DETAILS
Net production revenue:
Production revenue
Repurchase losses
Net production revenue
Net mortgage servicing revenue:
Operating revenue:
Loan servicing revenue
Changes in MSR asset fair value due to collection/
realization of expected cash flows
Total operating revenue
Risk management:
Changes in MSR asset fair value due to market interest
rates and other (a)
Other changes in MSR asset fair value due to other inputs
and assumptions in model (b)
Changes in derivative fair value and other
Total risk management
Total net mortgage servicing revenue
Mortgage fees and related income
MORTGAGE PRODUCTION AND MORTGAGE SERVICING
SELECTED BALANCE SHEET DATA
Period-end loans:
Prime mortgage, including option ARMs (c)
Loans held-for-sale and loans at fair value (d)
Average loans:
Prime mortgage, including option ARMs (c)
Loans held-for-sale and loans at fair value (d)
Average assets
Repurchase liability (period-end)
CREDIT DATA AND QUALITY STATISTICS
Net charge-offs:
Prime mortgage, including option ARMs
Net charge-off rate:
Prime mortgage, including option ARMs
30+ day delinquency rate (e)
Nonperforming assets (f)
BUSINESS METRICS (in billions)
Mortgage origination volume by channel
Retail
Wholesale (g)
Correspondent (g)
Total mortgage origination volume (h)
Mortgage application volume by channel
Retail
Wholesale (g)
Correspondent (g)
Total mortgage application volume
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
$
311
175
486
$
1,064
16
1,080
$
995
(81)
914
$
1,407
53
1,460
$
1,582
(13)
1,569
(71) %
NM
(55)
(80) %
NM
(69)
$
2,370
110
2,480
$
4,376
(325)
4,051
(46) %
NM
(39)
817
945
936
783
946
(14)
(14)
2,698
2,989
(10)
(284)
533
(285)
660
(258)
678
(254)
529
(290)
656
(19)
2
(19)
(827)
1,871
(968)
2,021
15
(7)
(872)
80
$
$
1,072
546
285
(323)
(93)
NM
1,698
(173)
(87)
(180)
353
839
(36)
(957)
79
739
1,819
(237)
(451)
(142)
536
1,450
(69)
(174)
42
571
2,031
(5)
479
151
807
2,376
(381)
91
NM
(52)
(54)
NM
NM
NM
(56)
(65)
(446)
(1,495)
(243)
1,628
4,108
17,153
15,250
(32)
(9)
(31)
17,381
17,879
59,769
2,779
(6)
(23)
(8)
(13)
(9)
(21)
(8)
(30)
$
4
(60)
(50)
$
0.09 %
3.10
700
15,571
10,447
$
$
15,878
14,060
54,870
1,945
$
2
$
0.05 %
3.16
670
$
$
$
$
15,567
15,274
$
$
16,933
18,199
59,880
2,245
$
5
$
0.12 %
3.46
707
17.7
—
22.8
40.5
$
20.7
—
19.7
40.4
$
$
$
17,257
16,277
$
$
17,554
21,181
64,218
2,430
$
4
$
0.09 %
3.04
643
23.3
0.1
25.6
49.0
$
36.8
—
28.2
65.0
$
$
$
17,290
18,801
$
$
17,243
19,076
60,179
2,530
$
$
26.2
0.1
26.4
52.7
$
34.7
0.2
25.6
60.5
$
$
$
14
0.32 %
3.05
638
26.4
0.1
24.7
51.2
$
36.7
0.2
28.8
65.7
$
$
$
$
$
15,571
10,447
$
(5)
(4)
$
25.5
—
21.8
47.3
(24)
NM
(11)
(17)
(31)
5
(14)
$
44.7
0.2
28.3
73.2
(44)
(30)
(38)
(54)
NM
(30)
(45)
$
$
$
11
0.09 %
3.16
670
23
1,426
577
2,598
6,649
NM
NM
NM
(37)
(38)
17,153
15,250
(9)
(31)
17,366
17,068
59,722
2,779
$
16,782
17,787
59,622
1,945
$
NM
(3)
4
(30)
$
5
$
0.04 %
3.10
700
67.2
0.2
74.8
142.2
$
92.2
0.2
73.5
165.9
$
$
$
120
(4)
75.0
0.2
54.4
129.6
(10)
38
10
127.8
0.5
71.7
200.0
(28)
(60)
3
(17)
Represents both the impact of changes in estimated future prepayments due to changes in market interest rates, and the difference between actual and expected prepayments.
Represents the aggregate impact of changes in model inputs and assumptions such as projected cash flows (e.g., cost to service), discount rates and changes in prepayments other than those attributable to changes in market interest rates (e.g., changes in prepayments due
to changes in home prices).
Predominantly represents prime mortgage loans repurchased from Government National Mortgage Association (“Ginnie Mae”) pools, which are insured by U.S. government agencies.
Predominantly consists of prime mortgages originated with the intent to sell that are accounted for at fair value and classified as trading assets on the Consolidated Balance Sheets and Condensed Average Balance Sheets.
At September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, excluded mortgage loans insured by U.S. government agencies of $10.0 billion,$11.2 billion, $11.9 billion, $11.8 billion and $12.1 billion, respectively, that are 30 or more
days past due. These amounts were excluded as reimbursement of insured amounts is proceeding normally.
At September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, nonperforming assets excluded: (1) mortgage loans insured by U.S. government agencies of $8.9 billion, $10.1 billion, $10.9 billion, $10.6 billion and $11.0 billion,
respectively, that are 90 or more days past due; and (2) real estate owned insured by U.S. government agencies of $1.9 billion, $1.8 billion, $1.7 billion, $1.6 billion and $1.5 billion, respectively. These amounts were excluded from nonaccrual loans as reimbursement of insured
amounts is proceeding normally.
Includes rural housing loans sourced through brokers and correspondents, which are underwritten and closed with pre-funding loan approval from the U.S. Department of Agriculture Rural Development, which acts as the guarantor in the transaction.
Firmwide mortgage origination volume was $44.2 billion, $52.0 billion, $55.1 billion, $53.7 billion and $49.6 billion for the three months ended September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively, and $151.3 billion
and $136.1 billion for the nine months ended September 30, 2013 and 2012, respectively.
Page 14

16. JPMORGAN CHASE & CO.
CONSUMER & COMMUNITY BANKING
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio data and where otherwise noted)
QUARTERLY TRENDS
3Q13
2Q13
1Q13
4Q12
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
3Q12
MORTGAGE BANKING (continued)
MORTGAGE PRODUCTION AND MORTGAGE SERVICING
(continued)
BUSINESS METRICS (in billions)(continued)
Third-party mortgage loans serviced (period-end)
Third-party mortgage loans serviced (average)
MSR carrying value (period-end)
Ratio of MSR carrying value (period-end) to third-party mortgage
loans serviced (period-end)
Ratio of annualized loan servicing-related revenue to third-party
mortgage loans serviced (average)
MSR revenue multiple (a)
REAL ESTATE PORTFOLIOS
BUSINESS METRICS
Loans, excluding PCI loans
Period-end loans owned:
Home equity
Prime mortgage, including option ARMs
Subprime mortgage
Other
Total period-end loans owned
Average loans owned:
Home equity
Prime mortgage, including option ARMs
Subprime mortgage
Other
Total average loans owned
PCI loans
Period-end loans owned:
Home equity
Prime mortgage
Subprime mortgage
Option ARMs
Total period-end loans owned
Average loans owned:
Home equity
Prime mortgage
Subprime mortgage
Option ARMs
Total average loans owned
Total Real Estate Portfolios
Period-end loans owned:
Home equity
Prime mortgage, including option ARMs
Subprime mortgage
Other
Total period-end loans owned
Average loans owned:
Home equity
Prime mortgage, including option ARMs
Subprime mortgage
Other
Total average loans owned
Average assets
Home equity origination volume
(a)
$
831.1
831.5
9.5
1.14
$
%
1.12
0.38
3.00x
$
$
$
$
$
$
$
$
$
$
$
$
832.0
840.6
9.3
$
%
0.93
0.41
2.73x
59,825
47,958
7,376
568
115,727
$
61,005
46,177
7,529
579
115,290
$
19,411
12,487
4,297
18,564
54,759
$
19,677
12,705
4,357
18,890
55,629
$
79,236
79,009
11,673
568
170,486
$
80,682
77,772
11,886
579
170,919
163,001
580
$
$
$
$
$
$
$
849.2
854.3
7.9
$
%
0.88
0.42
2.21x
62,326
44,003
7,703
589
114,621
$
63,593
43,007
7,840
597
115,037
$
19,992
12,976
4,448
19,320
56,736
$
20,245
13,152
4,488
19,618
57,503
$
82,318
76,299
12,151
589
171,357
$
83,838
75,777
12,328
597
172,540
163,593
499
$
$
$
$
$
$
$
859.4
803.8
7.6
$
%
0.88
0.45
1.96x
64,798
41,997
8,003
604
115,402
$
66,133
41,808
8,140
619
116,700
$
20,525
13,366
4,561
19,985
58,437
$
20,745
13,524
4,589
20,227
59,085
$
85,323
75,348
12,564
604
173,839
$
86,878
75,559
12,729
619
175,785
166,373
402
$
$
$
$
$
$
$
811.4
825.7
7.1
- %
(1)
2
2 %
1
34
$
%
1.14
0.46
1.91x
67,385
41,316
8,255
633
117,589
$
68,466
41,393
8,413
643
118,915
$
20,971
13,674
4,626
20,466
59,737
$
21,184
13,860
4,654
20,738
60,436
$
88,356
75,456
12,881
633
177,326
$
89,650
75,991
13,067
643
179,351
169,375
373
$
$
$
$
$
$
$
831.1
842.0
9.5
$
%
0.88
0.40
2.85x
69,686
41,404
8,552
653
120,295
(4)
9
(4)
(4)
1
(14)
16
(14)
(13)
(4)
$
71,620
41,628
8,774
665
122,687
(4)
7
(4)
(3)
-
(15)
11
(14)
(13)
(6)
$
21,432
14,038
4,702
21,024
61,196
(3)
(4)
(3)
(4)
(3)
(9)
(11)
(9)
(12)
(11)
$
21,620
14,185
4,717
21,237
61,759
(3)
(3)
(3)
(4)
(3)
(9)
(10)
(8)
(11)
(10)
$
91,118
76,466
13,254
653
181,491
(4)
4
(4)
(4)
(1)
(13)
3
(12)
(13)
(6)
$
93,240
77,050
13,491
665
184,446
173,613
375
(4)
3
(4)
(3)
(1)
16
(13)
1
(12)
(13)
(7)
(6)
55
$
$
$
$
$
$
$
811.4
861.5
7.1
2 %
(2)
34
%
0.46
1.91x
59,825
47,958
7,376
568
115,727
$
63,558
43,680
7,834
598
115,670
$
19,411
12,487
4,297
18,564
54,759
$
20,218
13,124
4,478
19,573
57,393
$
79,236
79,009
11,673
568
170,486
$
83,776
76,377
12,312
598
173,063
164,310
1,481
$
$
$
$
$
$
$
69,686
41,404
8,552
653
120,295
(14)
16
(14)
(13)
(4)
74,087
42,620
9,126
686
126,519
(14)
2
(14)
(13)
(9)
21,432
14,038
4,702
21,024
61,196
(9)
(11)
(9)
(12)
(11)
22,060
14,582
4,818
21,816
63,276
(8)
(10)
(7)
(10)
(9)
91,118
76,466
13,254
653
181,491
(13)
3
(12)
(13)
(6)
96,147
79,018
13,944
686
189,795
177,840
1,047
(13)
(3)
(12)
(13)
(9)
(8)
41
Represents the ratio of MSR carrying value (period-end) to third-party mortgage loans serviced (period-end) divided by the ratio of annualized loan servicing-related revenue to third-party mortgage loans serviced (average).
Page 15

17. JPMORGAN CHASE & CO.
CONSUMER & COMMUNITY BANKING
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio data)
QUARTERLY TRENDS
3Q13
2Q13
1Q13
4Q12
3Q12
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
MORTGAGE BANKING (continued)
REAL ESTATE PORTFOLIOS (continued)
CREDIT DATA AND QUALITY STATISTICS
Net charge-offs/(recoveries), excluding PCI loans (a)
Home equity
Prime mortgage, including option ARMs
Subprime mortgage
Other
Total net charge-offs/(recoveries), excluding PCI loans
Net charge-off/(recovery) rate, excluding PCI loans (a)
Home equity
Prime mortgage, including option ARMs
Subprime mortgage
Other
Total net charge-off/(recovery) rate, excluding PCI loans
Net charge-off/(recovery) rate - reported (a)
Home equity
Prime mortgage, including option ARMs
Subprime mortgage
Other
Total net charge-off/(recovery) rate - reported
30+ day delinquency rate, excluding PCI loans (b)
Allowance for loan losses, excluding PCI loans
Allowance for PCI loans
Allowance for loan losses
Nonperforming assets (c)
Allowance for loan losses to period-end loans retained
Allowance for loan losses to period-end loans retained,
excluding PCI loans
(a)
(b)
(c)
$
$
218
(11)
(4)
1
204
$
$
236
16
33
3
288
$
$
333
44
67
4
448
$
$
257
66
92
2
417
$
$
1,120
143
152
5
1,420
(8) %
NM
NM
(67)
(29)
(81) %
NM
NM
(80)
(86)
$
$
787
49
96
8
940
$
$
2,128
388
394
14
2,924
1.42 %
(0.09)
(0.21)
0.69
0.70
$
2.04 %
0.43
3.34
2.62
1.56
1.49 %
0.63
4.35
1.24
1.40
6.22 %
1.37
6.89
2.99
4.60
1.66 %
0.15
1.64
1.79
1.09
3.84 %
1.22
5.77
2.73
3.09
1.07 %
(0.06)
(0.13)
0.69
0.47
$
1.49 %
0.15
1.69
2.02
1.00
1.13 %
0.08
1.07
2.02
0.67
1.55 %
0.24
2.13
2.62
1.03
1.14 %
0.35
2.80
1.24
0.92
4.78 %
0.74
4.48
2.99
3.06
1.26 %
0.09
1.04
1.79
0.73
(63) %
(87)
(76)
(43)
(68)
2.96 %
0.66
3.77
2.73
2.06
3.81 %
2,768
4,961
7,729
7,385
4.53 %
2.39
$
$
4.17 %
3,268
5,711
8,979
7,801
5.24 %
2.85
$
$
4.61 %
4,218
5,711
9,929
8,349
5.71 %
3.66
$
$
5.03 %
4,868
5,711
10,579
8,439
5.97 %
4.14
$
$
5.12 %
5,568
5,711
11,279
8,669
6.21 %
4.63
(15)
(13)
(14)
(5)
(50)
(13)
(31)
(15)
$
$
3.81 %
2,768
4,961
7,729
7,385
4.53 %
2.39
$
$
5.12 %
5,568
5,711
11,279
8,669
6.21 %
(50)
(13)
(31)
(15)
4.63
Net charge-offs and net charge-off rates for the three months ended September 30, 2012 included $825 million of charge-offs of Chapter 7 loans. Excluding these charges-offs, net charge-offs for the three months ended September 30, 2012 would have been $402 million, $97
million and $91 million for the home equity, prime mortgage, including option ARMs, and subprime mortgage portfolios, respectively. Net charge-off rates for the same period, excluding these charge-offs and PCI loans, would have been 2.23%, 0.93% and 4.13% for the home
equity, prime mortgage, including option ARMs, and subprime mortgage portfolios, respectively. For further information, see Consumer Credit Portfolio on pages 140-142 of JPMorgan Chase's 2012 Annual Report.
The 30+ day delinquency rate for PCI loans was 16.19%, 17.92%, 19.26%, 20.14% and 20.65% at September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively.
Excludes PCI loans. Because the Firm is recognizing interest income on each pool of PCI loans, they are all considered to be performing.
Page 16

18. JPMORGAN CHASE & CO.
CONSUMER & COMMUNITY BANKING
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio data and where otherwise noted)
QUARTERLY TRENDS
3Q13
2Q13
1Q13
4Q12
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
3Q12
CARD, MERCHANT SERVICES & AUTO
Card income
All other income
Noninterest revenue
Net interest income
Total net revenue
Provision for credit losses
Noninterest expense
Income before income tax expense
Net income
ROE
Overhead ratio
Equity (period-end and average)
SELECTED BALANCE SHEET DATA (period-end)
Loans:
Credit Card
Auto
Student
Total loans
SELECTED BALANCE SHEET DATA (average)
Total assets
Loans:
Credit Card
Auto
Student
Total loans
BUSINESS METRICS
Credit Card, excluding Commercial Card
Sales volume (in billions)
New accounts opened
Open accounts
Accounts with sales activity
% of accounts acquired online
Merchant Services (Chase Paymentech Solutions)
Merchant processing volume (in billions)
Total transactions (in billions)
Auto & Student
Origination volume (in billions)
Auto
Student
$
$
$
$
1,075
263
1,338
3,294
4,632
673
1,917
2,042
1,235
32 %
41
15,500
$
$
1,067
261
1,328
3,342
4,670
564
1,988
2,118
1,249
$
32
43
15,500
$
$
123,982
50,810
10,777
185,569
$
198,702
$
123,912
50,432
10,907
185,251
$
$
1,013
245
1,258
3,462
4,720
686
1,943
2,091
1,272
$
33
41
15,500
%
$
$
124,288
50,865
11,040
186,193
$
196,921
$
122,855
50,677
11,172
184,704
$
$
%
$
$
$
121,865
50,552
11,323
183,740
$
196,634
$
123,564
50,045
11,459
185,068
$
107.0
1.7
65.0
30.0
53 %
$
105.2
1.5
64.8
30.0
53 %
$
$
185.9
8.9
$
185.0
8.8
$
$
6.4
—
$
6.8
—
$
94.7
1.7
64.7
29.4
52 %
1,097
227
1,324
3,484
4,808
1,250
2,171
1,387
840
20 %
45
16,500
$
$
$
1,032
248
1,280
3,443
4,723
1,231
1,920
1,572
954
23 %
41
16,500
1 %
1
1
(1)
(1)
19
(4)
(4)
(1)
4 %
6
5
(4)
(2)
(45)
30
29
$
$
3,155
769
3,924
10,098
14,022
1,923
5,848
6,251
3,756
32 %
42
15,500
-
(6)
$
(2)
-
4
(9)
-
$
$
$
2,995
782
3,777
10,185
13,962
2,703
6,045
5,214
3,167
$
26 %
43
16,500
$
$
$
124,537
48,920
11,868
185,325
$
197,606
$
196,302
1
1
$
124,729
49,268
11,710
185,707
$
124,339
48,399
12,037
184,775
1
(2)
-
4
(9)
-
2
13
-
11
6
2
3
$
306.9
4.9
65.0
30.0
53 %
$
279.5
4.9
63.9
29.1
49 %
10
2
3
1
14
20
$
546.7
26.0
$
476.6
21.3
15
22
2
NM
$
19.7
0.1
$
17.9
0.2
10
(50)
101.6
1.8
64.5
30.6
58 %
$
96.6
1.6
63.9
29.1
52 %
175.8
8.3
$
178.6
8.2
$
163.6
7.4
6.5
0.1
$
5.5
—
$
6.3
0.1
(6)
-
$
197,427
$
123,445
50,386
11,178
185,009
(6)
127,993
49,913
11,558
189,464
$
$
$
123,982
50,810
10,777
185,569
5 %
(2)
4
(1)
(29)
(3)
20
19
$
124,537
48,920
11,868
185,325
4
(9)
-
$
197,679
-
$
125,712
48,126
12,774
186,612
(2)
5
(12)
(1)
Page 17

19. JPMORGAN CHASE & CO.
CONSUMER & COMMUNITY BANKING
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio data)
QUARTERLY TRENDS
3Q13
2Q13
1Q13
4Q12
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
3Q12
CARD, MERCHANT SERVICES & AUTO (continued)
CREDIT DATA AND QUALITY STATISTICS
Net charge-offs:
Credit Card
Auto (a)
Student
Total net charge-offs
Net charge-off rate:
Credit Card (b)
Auto (a)
Student
Total net charge-off rate
$
CARD SERVICES SUPPLEMENTAL INFORMATION
Noninterest revenue
Net interest income
Total net revenue
Provision for credit losses
Noninterest expense
Income before income tax expense
Net income
Percentage of average loans:
Noninterest revenue
Net interest income
Total net revenue
(a)
(b)
(c)
(d)
(e)
$
1,014
23
77
1,114
$
1,082
40
64
1,186
$
1,097
44
109
1,250
$
1,116
90
80
1,286
(12) %
91
14
(8)
(20) %
(51)
10
(20)
$
2,988
107
229
3,324
$
3,847
144
268
4,259
2.86 %
0.35
3.20
2.19
$
3.31 %
0.18
2.76
2.42
3.55 %
0.32
2.27
2.60
3.50 %
0.36
3.70
2.68
3.57 %
0.74
2.64
2.77
3.24 %
0.28
2.74
2.40
1.69
0.95
2.23
1.52
0.82
1.94
0.92
2.06
1.67
0.97
2.10
1.25
2.13
1.87
1.02
2.15
1.11
2.38
1.89
0.99
1.69
0.93
2.60
1.53
0.79
2.15
1.11
2.38
1.89
0.99
239
$
4,097
953
5,050
$
994
2,824
3,818
542
1,458
1,818
1,102
3.18 %
9.04
12.22
243
$
4,445
954
5,399
3.31 %
1.55
2.73
$
(22) %
(26)
(15)
(22)
4.11 %
0.40
2.80
3.06
1.69
0.93
2.60
1.53
0.79
Delinquency rates
30+ day delinquency rate:
Credit Card (c)
Auto
Student (d)
Total 30+ day delinquency rate
90+ day delinquency rate - Credit Card (c)
Nonperforming assets (e)
Allowance for loan losses:
Credit Card
Auto & Student
Total allowance for loan losses
Allowance for loan losses to period-end loans:
Credit Card (c)
Auto & Student
Total allowance for loan losses to period-end loans
892
44
88
1,024
$
994
2,863
3,857
464
1,537
1,856
1,093
3.25 %
9.35
12.59
$
4,998
954
5,952
3.58 %
1.54
2.90
$
251
$
938
2,970
3,908
582
1,501
1,825
1,113
3.08 %
9.75
12.83
$
4.30 %
1.55
3.41
$
$
1,014
3,005
4,019
1,097
1,710
1,212
736
3.23 %
9.58
12.82
284
(2)
(16)
5,503
954
6,457
5,501
954
6,455
4.10 %
1.54
3.24
$
265
(8)
(6)
$
(26)
(22)
$
971
2,923
3,894
1,116
1,517
1,261
769
3.11 %
9.35
12.46
$
3.31 %
1.55
2.73
(1)
(1)
17
(5)
(2)
1
2
(3)
(2)
(51)
(4)
44
43
$
$
2,926
8,657
11,583
1,588
4,496
5,499
3,308
3.17 %
9.38
12.55
284
(16)
5,503
954
6,457
4,097
953
5,050
4.42 %
1.57
3.49
$
239
(26)
(22)
4.42 %
1.57
3.49
$
$
2,873
8,606
11,479
2,347
4,856
4,276
2,608
2
1
1
(32)
(7)
29
27
3.05 %
9.14
12.20
Net charge-offs and net charge-off rate for the three months ended September 30, 2012 included $55 million of charge-offs of Chapter 7 loans. Excluding these incremental charge-offs, net charge-offs for the three months ended September 30, 2012 would have been $35
million, and the net charge-off rate for the same period would have been 0.29%.
Average credit card loans included loans held-for-sale of $67 million, $28 million and $109 million for the three months ended September 30, 2013, December 31, 2012 and September 30, 2012, respectively, and $23 million and $569 million for the nine months ended
September 30, 2013 and September 30, 2012, respectively. These amounts are excluded when calculating the net charge-off rate. There were no loans held-for-sale for the three months ended June 30, 2013 and March 31, 2013.
Period-end credit card loans included loans held-for-sale of $310 million and $106 million at September 30, 2013 and September 30, 2012, respectively. These amounts are excluded when calculating delinquency rates and the allowance for loan losses to period-end loans.
There were no loans held-for-sale at June 30, 2013, March 31, 2013 and December 31, 2012.
Excluded student loans insured by U.S. government agencies under the FFELP of $769 million, $812 million, $881 million, $894 million and $910 million at September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively, that
are 30 or more days past due. These amounts are excluded as reimbursement of insured amounts is proceeding normally.
Nonperforming assets excluded student loans insured by U.S. government agencies under the FFELP of $456 million, $488 million, $523 million, $525 million and $536 million at September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30,
2012, respectively, that are 90 or more days past due. These amounts are excluded as reimbursement of insured amounts is proceeding normally.
Page 18

20. JPMORGAN CHASE & CO.
CORPORATE & INVESTMENT BANK
FINANCIAL HIGHLIGHTS
(in millions, except ratio data)
QUARTERLY TRENDS
3Q13
INCOME STATEMENT
REVENUE
Investment banking fees
Principal transactions (a)
Lending- and deposit-related fees
Asset management, administration and commissions
All other income
Noninterest revenue
Net interest income
TOTAL NET REVENUE (b)
$
Provision for credit losses
2Q13
1,510
2,202
471
1,128
392
5,703
2,486
8,189
$
(218)
1Q13
1,717
3,288
486
1,289
391
7,171
2,705
9,876
$
(6)
4Q12
1,433
3,961
473
1,167
323
7,357
2,783
10,140
$
11
3Q12
1,720
966
499
1,163
435
4,783
2,859
7,642
$
(445)
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
1,429
2,263
486
1,104
290
5,572
2,788
8,360
(12)
(33)
(3)
(12)
(20)
(8)
(17)
(60)
%
6
(3)
(3)
2
35
2
(11)
(2)
NM
%
$
(263)
4,660
9,451
1,430
3,584
1,106
20,231
7,974
28,205
$
(213)
4,049
8,544
1,449
3,530
749
18,321
8,363
26,684
15 %
11
(1)
2
48
10
(5)
6
(34)
NM
NONINTEREST EXPENSE
Compensation expense
Noncompensation expense
TOTAL NONINTEREST EXPENSE
2,330
2,669
4,999
2,988
2,754
5,742
3,376
2,735
6,111
2,217
2,779
4,996
2,755
2,595
5,350
(22)
(3)
(13)
(15)
3
(7)
8,694
8,158
16,852
9,096
7,758
16,854
(4)
5
-
Income before income tax expense
Income tax expense
NET INCOME
3,408
1,168
2,240
4,140
1,302
2,838
4,018
1,408
2,610
3,091
1,086
2,005
3,070
1,078
1,992
(18)
(10)
(21)
11
8
12
11,566
3,878
7,688
9,864
3,463
6,401
17
12
20
$
FINANCIAL RATIOS
ROE (c)
Overhead ratio
Compensation expense as a percent of total net revenue (d)
REVENUE BY BUSINESS
Advisory
Equity underwriting
Debt underwriting
Total investment banking fees
Treasury Services
Lending
Total Banking
Fixed Income Markets (e)
Equity Markets
Securities Services
Credit Adjustments & Other (a)(f)
Total Markets & Investor Services
TOTAL NET REVENUE
(a)
(b)
(c)
(d)
(e)
(f)
16
61
28
$
$
322
333
855
1,510
1,053
351
2,914
3,439
1,249
996
(409)
5,275
8,189
$
%
20
58
30
$
$
304
457
956
1,717
1,051
373
3,141
4,078
1,296
1,087
274
6,735
9,876
$
%
19
60
33
$
$
255
273
905
1,433
1,044
498
2,975
4,752
1,340
974
99
7,165
10,140
$
%
17
65
29
$
$
465
265
990
1,720
1,059
382
3,161
3,177
895
995
(586)
4,481
7,642
$
%
17
64
33
$
$
389
235
805
1,429
1,064
357
2,850
3,726
1,044
965
(225)
5,510
8,360
$
%
$
18 %
60
31
6
(27)
(11)
(12)
(6)
(7)
(16)
(4)
(8)
NM
(22)
(17)
(17)
42
6
6
(1)
(2)
2
(8)
20
3
(82)
(4)
(2)
$
$
881
1,063
2,716
4,660
3,148
1,222
9,030
12,269
3,885
3,057
(36)
19,175
28,205
18
63
34
$
$
1,026
761
2,262
4,049
3,190
949
8,188
12,235
3,511
3,005
(255)
18,496
26,684
%
(14)
40
20
15
(1)
29
10
11
2
86
4
6
Included debit valuation adjustments (“DVA”) on structured notes and derivative liabilities measured at fair value. DVA gains/(losses) were ($397) million, $355 million, $126 million, ($567) million and ($211) million for the three months ended September 30, 2013, June 30,
2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively, and $84 million and ($363) million for the nine months ended September 30, 2013 and 2012, respectively.
Included tax-equivalent adjustments, predominantly due to income tax credits related to affordable housing and alternative energy investments, as well as tax-exempt income from municipal bond investments of $537 million, $550 million, $529 million, $533 million and $492
million for the three months ended September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively, and $1.6 billion and $1.5 billion for the nine months ended September 30, 2013 and 2012, respectively.
Return on equity excluding DVA, a non-GAAP financial measure, was 17%, 19%, 18%, 20% and 18% for the three months ended September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively, and 18% and 19% for the nine
months ended September 30, 2013 and 2012, respectively. For additional information on this measure, see non-GAAP financial measures on page 42.
Compensation expense as a percentage of total net revenue excluding DVA, a non-GAAP financial measure, was 27%, 31%, 34%, 27% and 32% for the three months ended September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012,
respectively, and 31% and 34% for the nine months ended September 30, 2013 and 2012, respectively. For additional information on this measure, see non-GAAP financial measures on page 42.
Includes results of the synthetic credit portfolio that was transferred from the Chief Investment Office ("CIO") effective July 2, 2012.
Primarily includes credit portfolio credit valuation adjustments (“CVA”) net of associated hedging activities; DVA on structured notes and derivative liabilities; and nonperforming derivative receivable results.
Page 19

21. JPMORGAN CHASE & CO.
CORPORATE & INVESTMENT BANK
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio and headcount data)
QUARTERLY TRENDS
3Q13
SELECTED BALANCE SHEET DATA (period-end)
Assets
Loans:
Loans retained (a)
Loans held-for-sale and loans at fair value
Total loans
Equity
SELECTED BALANCE SHEET DATA (average)
Assets
Trading assets - debt and equity instruments
Trading assets - derivative receivables
Loans:
Loans retained (a)
Loans held-for-sale and loans at fair value
Total loans
$
2Q13
867,474
$
873,527
104,269
3,687
$
106,248
4,564
107,956
56,500
$
1Q13
110,812
56,500
838,158
300,135
70,814
$
Equity
Headcount
$
107,654
5,950
108,292
CREDIT DATA AND QUALITY STATISTICS
Net charge-offs/(recoveries)
Nonperforming assets:
Nonaccrual loans:
Nonaccrual loans retained (a)(b)
Nonaccrual loans held-for-sale and loans at fair value
Total nonaccrual loans
Derivative receivables
Assets acquired in loan satisfactions
Total nonperforming assets
Allowance for credit losses:
Allowance for loan losses
Allowance for lending-related commitments
Total allowance for credit losses
Net charge-off/(recovery) rate (a)
Allowance for loan losses to period-end loans retained (a)
Allowance for loan losses to period-end loans retained,
excluding trade finance and conduits (c)
Allowance for loan losses to nonaccrual loans retained (a)(b)
Nonaccrual loans to total period-end loans
(a)
(b)
(c)
872,259
$
112,005
5,506
117,511
56,500
878,801
336,118
72,036
103,179
5,113
4Q12
3Q12
876,107
$
109,501
5,749
115,250
47,500
870,467
342,323
71,111
$
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
904,090
(1) %
(4) %
$
867,474
$
(4) %
107,903
3,899
111,802
47,500
(3)
(5)
(3)
19
851,574
305,953
75,329
1
7
(5)
107,903
3,899
111,802
47,500
863,890
333,764
73,519
$
104,269
3,687
107,956
56,500
904,090
(2)
(19)
(3)
-
(3)
(5)
(3)
19
841,678
296,811
74,812
(5)
(11)
(2)
1
(5)
(4)
(14)
(5)
(7)
82
(5)
105,862
5,438
111,300
110,457
2,977
113,434
(4)
83
(2)
$
862,357
326,037
71,319
$
109,037
5,065
114,102
111,263
2,809
114,072
56,500
56,500
56,500
47,500
47,500
-
19
56,500
47,500
19
52,445
$
113,604
106,793
5,254
112,047
51,771
51,634
52,022
52,226
1
-
52,445
52,226
-
(22)
95
82
(4)
$
176
(82)
$
19
$
(217)
$
$
(67)
$
(67)
-
61
237
227
148
375
340
104
444
535
82
617
588
213
801
(22)
(59)
(37)
(70)
(71)
(70)
176
61
237
588
213
801
(70)
(71)
(70)
431
448
38
706
46
869
412
55
911
239
64
920
282
77
1,160
(4)
(17)
(19)
53
(51)
(39)
431
38
706
282
77
1,160
53
(51)
(39)
1,138
490
1,628
1,287
556
1,843
1,246
521
1,767
1,300
473
1,773
1,459
544
2,003
(12)
(12)
(12)
(22)
(10)
(19)
1,138
490
1,628
1,459
544
2,003
(22)
(10)
(19)
(0.08) %
1.09
(0.08) %
1.35
(0.02)
1.09
%
(0.31)
1.21
2.01
647
2.35
567
0.22
0.34
%
0.07
1.11
2.17
366
0.38
%
(0.79)
1.19
2.52
243
0.54
%
(0.08)
1.35
2.92
248
0.72
%
2.01
647
0.22
2.92
248
0.72
Loans retained includes credit portfolio loans, trade finance loans, other held-for-investment loans and overdrafts.
Allowance for loan losses of $56 million, $70 million, $73 million, $153 million and $178 million were held against these nonaccrual loans at September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively.
Management uses allowance for loan losses to period-end loans retained, excluding trade finance and conduits, a non-GAAP financial measure, as it is a more relevant metric to reflect the allowance coverage of the retained loan portfolio.
Page 20

22. JPMORGAN CHASE & CO.
CORPORATE & INVESTMENT BANK
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except rankings data and where otherwise noted)
QUARTERLY TRENDS
3Q13
BUSINESS METRICS
Assets under custody ("AUC") by asset class (period-end)
(in billions):
Fixed Income
Equity
Other (a)
Total AUC
Client deposits and other third-party liabilities (average)
Trade finance loans (period-end)
$
$
2Q13
11,691
6,473
1,572
19,736
$
$
11,421
5,961
1,547
18,929
Global investment banking fees (c)
Debt, equity and equity-related
Global
U.S.
Syndicated loans
Global
U.S.
Long-term debt (d)
Global
U.S.
Equity and equity-related
Global (e)
U.S.
Announced M&A (f)
Global
U.S.
(a)
(b)
(c)
(d)
(e)
(f)
$
$
11,730
6,007
1,557
19,294
4Q12
$
$
3Q12
11,745
5,637
1,453
18,835
$
11,545
5,328
1,346
18,219
$
2
9
2
4
%
1
21
17
8
%
$
$
11,691
6,473
1,572
19,736
$
$
11,545
5,328
1,346
18,219
1 %
21
17
8
385,952
369,108
357,262
366,544
351,383
5
10
370,879
352,147
5
34,356
36,375
38,985
35,783
35,142
(6)
(2)
34,356
35,142
(2)
SEPTEMBER 30, 2013
MARKET SHARES AND RANKINGS (b)
1Q13
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
Market
Share
8.8
Rankings
%
FULL YEAR 2012
Market
Share
Rankings
#1
7.5
%
#1
7.4
11.8
1
1
7.2
11.5
1
1
9.9
17.7
1
1
9.6
17.6
1
1
7.3
11.7
1
1
7.1
11.6
1
1
8.2
12.1
2
2
7.8
10.4
4
5
27.2
39.8
2
2
19.9
24.5
2
2
Consists of mutual funds, unit investment trusts, currencies, annuities, insurance contracts, options and other contracts.
Source: Dealogic. Global investment banking fees reflects the ranking of fees and market share. The remaining rankings reflects transaction volume and market share. Global announced M&A is based on transaction value at announcement; because of joint M&A assignments,
M&A market share of all participants will add up to more than 100%. All other transaction volume-based rankings are based on proceeds, with full credit to each book manager/equal if joint.
Global investment banking fees rankings exclude money market, short-term debt and shelf deals.
Long-term debt rankings include investment-grade, high-yield, supranationals, sovereigns, agencies, covered bonds, asset-backed securities and mortgage-backed securities; and exclude money market, short-term debt, and U.S. municipal securities.
Global equity and equity-related ranking includes rights offerings and Chinese A-Shares.
Announced M&A reflects the removal of any withdrawn transactions. U.S. announced M&A represents any U.S. involvement ranking.
Page 21

23. JPMORGAN CHASE & CO.
CORPORATE & INVESTMENT BANK
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except where otherwise noted)
QUARTERLY TRENDS
INTERNATIONAL METRICS
Total net revenue (a)
Europe/Middle East/Africa
Asia/Pacific
Latin America/Caribbean
Total international net revenue
North America
Total net revenue
Loans (period-end) (a)
Europe/Middle East/Africa
Asia/Pacific
Latin America/Caribbean
Total international loans
North America
Total loans
Client deposits and other third-party liabilities (average) (a)
Europe/Middle East/Africa
Asia/Pacific
Latin America/Caribbean
Total international
North America
Total client deposits and other third-party liabilities
AUC (period-end) (in billions) (a)
North America
All other regions
Total AUC
(a)
3Q13
$
$
$
$
$
$
$
$
2Q13
2,550
1,295
264
4,109
4,080
8,189
$
30,495
26,653
9,172
66,320
37,949
104,269
$
146,685
51,895
15,760
214,340
171,612
385,952
$
10,939
8,797
19,736
$
$
$
$
$
1Q13
2,955
1,403
397
4,755
5,121
9,876
$
32,685
26,616
10,434
69,735
36,513
106,248
$
139,801
51,666
15,012
206,479
162,629
369,108
$
10,672
8,257
18,929
$
$
$
$
$
4Q12
3,383
1,165
400
4,948
5,192
10,140
$
33,674
29,908
10,308
73,890
38,115
112,005
$
134,339
51,996
12,180
198,515
158,747
357,262
$
10,788
8,506
19,294
$
$
$
$
$
3Q12
2,261
939
337
3,537
4,105
7,642
$
30,266
27,193
10,220
67,679
41,822
109,501
$
128,620
53,309
11,766
193,695
172,849
366,544
$
10,504
8,331
18,835
$
$
$
$
$
2,443
1,031
392
3,866
4,494
8,360
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
(14) %
(8)
(34)
(14)
(20)
(17)
4 %
26
(33)
6
(9)
(2)
$
27,866
27,215
9,730
64,811
43,092
107,903
(7)
(12)
(5)
4
(2)
9
(2)
(6)
2
(12)
(3)
$
125,720
50,862
10,141
186,723
164,660
351,383
5
5
4
6
5
17
2
55
15
4
10
$
10,206
8,013
18,219
3
7
4
7
10
8
$
$
$
$
$
8,888
3,863
1,061
13,812
14,393
28,205
$
30,495
26,653
9,172
66,320
37,949
104,269
$
140,320
51,852
14,331
206,503
164,376
370,879
$
10,939
8,797
19,736
$
$
$
$
$
8,378
3,161
1,187
12,726
13,958
26,684
6 %
22
(11)
9
3
6
27,866
27,215
9,730
64,811
43,092
107,903
9
(2)
(6)
2
(12)
(3)
126,891
50,465
10,813
188,169
163,978
352,147
11
3
33
10
5
10,206
8,013
18,219
7
10
8
Total net revenue is based predominantly on the domicile of the client or location of the trading desk, as applicable. Loans outstanding (excluding loans held-for-sale and loans at fair value), client deposits and other third-party liabilities, and AUC are based predominantly on the
domicile of the client.
Page 22

24. JPMORGAN CHASE & CO.
COMMERCIAL BANKING
FINANCIAL HIGHLIGHTS
(in millions, except ratio data)
QUARTERLY TRENDS
3Q13
INCOME STATEMENT
REVENUE
Lending- and deposit-related fees
Asset management, administration and commissions
All other income (a)
Noninterest revenue
Net interest income
TOTAL NET REVENUE (b)
$
2Q13
256
28
304
588
1,137
1,725
$
1Q13
265
30
256
551
1,177
1,728
$
4Q12
259
32
244
535
1,138
1,673
$
3Q12
269
30
279
578
1,167
1,745
$
263
30
293
586
1,146
1,732
(41)
44
39
NONINTEREST EXPENSE
Compensation expense
Noncompensation expense
Amortization of intangibles
TOTAL NONINTEREST EXPENSE
288
367
6
661
286
361
5
652
289
348
7
644
250
342
7
599
263
332
6
601
1
2
20
1
Income before income tax expense
Income tax expense
NET INCOME
1,105
440
665
1,032
411
621
990
394
596
1,149
457
692
1,147
457
690
7
7
7
Revenue by product:
Lending
Treasury services
Investment banking
Other (c)
Total Commercial Banking revenue
Investment banking revenue, gross (d)
Revenue by client segment:
Middle Market Banking (e)
Corporate Client Banking (e)
Commercial Term Lending
Real Estate Banking
Other
Total Commercial Banking revenue
FINANCIAL RATIOS
ROE
Overhead ratio
(a)
(b)
(c)
(d)
(e)
$
$
$
$
922
605
155
43
1,725
$
$
$
$
$
$
971
607
132
18
1,728
448
$
745
459
311
118
92
1,725
$
20 %
38
$
$
$
$
924
605
118
26
1,673
385
$
777
444
315
113
79
1,728
$
18 %
38
$
(16)
(3) %
(7)
19
7
(3)
-
Provision for credit losses
$
(3)
$
$
$
947
614
157
27
1,745
$
916
609
139
68
1,732
341
$
443
$
431
753
433
291
112
84
1,673
$
752
492
312
113
76
1,745
$
748
460
298
106
120
1,732
18 %
38
$
29 %
34
$
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
29 %
35
NM
(3) %
(7)
4
(1)
-
$
(156)
780
90
804
1,674
3,452
5,126
$
803
100
802
1,705
3,375
5,080
(3) %
(10)
(2)
2
1
42
44
(5)
10
11
10
863
1,076
18
1,957
764
1,006
20
1,790
13
7
(10)
9
(4)
(4)
(4)
3,127
1,245
1,882
3,246
1,292
1,954
(4)
(4)
(4)
3
4
(42)
1
$
(5)
17
139
-
1
(1)
12
(37)
-
$
16
(4)
3
(1)
4
16
-
$
$
$
2,817
1,817
405
87
5,126
$
2,728
1,814
388
150
5,080
4
$
1,174
$
1,154
2
4
11
(23)
-
$
2,275
1,336
917
343
255
5,126
$
2,219
1,327
882
325
327
5,080
3
1
4
6
(22)
1
$
19 %
38
$
27 %
35
Includes revenue from investment banking products and commercial card transactions.
Total net revenue included tax-equivalent adjustments from income tax credits related to equity investments in designated community development entities that provide loans to qualified businesses in low-income communities, as well as tax-exempt income from municipal bond
activity of $95 million, $90 million, $93 million, $73 million and $115 million for the three months ended September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively, and $278 million and $308 million for the nine months
ended September 30, 2013 and 2012, respectively.
Other revenue in the fourth quarter of 2012 included a $49 million year-to-date reclassification of tax equivalent revenue to Corporate/Private Equity.
Represents the total revenue related to investment banking products sold to CB clients.
Effective January 1, 2013, the financial results of financial institution clients were transferred to Corporate Client Banking from Middle Market Banking. Prior periods were revised to conform with this presentation.
Page 23

25. JPMORGAN CHASE & CO.
COMMERCIAL BANKING
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except headcount and ratio data)
QUARTERLY TRENDS
3Q13
SELECTED BALANCE SHEET DATA (period-end)
Total assets
Loans:
Loans retained (a)
Loans held-for-sale and loans at fair value
Total loans
Equity
Period-end loans by client segment:
Middle Market Banking (b)
Corporate Client Banking (b)
Commercial Term Lending
Real Estate Banking
Other
Total Commercial Banking loans
SELECTED BALANCE SHEET DATA (average)
Total assets
Loans:
Loans retained (a)
Loans held-for-sale and loans at fair value
Total loans
Client deposits and other third-party liabilities
Equity
Average loans by client segment:
Middle Market Banking (b)
Corporate Client Banking (b)
Commercial Term Lending
Real Estate Banking
Other
Total Commercial Banking loans
$
$
$
Assets acquired in loan satisfactions
Total nonperforming assets
Allowance for credit losses:
Allowance for loan losses
Allowance for lending-related commitments
Total allowance for credit losses
Net charge-off/(recovery) rate (e)
Allowance for loan losses to period-end loans retained
Allowance for loan losses to nonaccrual loans retained (d)
Nonaccrual loans to total period-end loans
(a)
(b)
(c)
(d)
(e)
192,194
$
133,090
2,071
135,161
13,500
$
$
$
52,214
21,425
47,612
10,057
3,853
135,161
$
185,744
$
131,019
599
131,618
196,802
13,500
$
$
Headcount (c)
CREDIT DATA AND QUALITY STATISTICS
Net charge-offs/(recoveries)
Nonperforming assets:
Nonaccrual loans:
Nonaccrual loans retained (d)
Nonaccrual loans held-for-sale and loans
at fair value
Total nonaccrual loans
2Q13
184,124
$
130,487
430
130,917
13,500
$
$
184,951
$
51,379
20,261
46,656
9,675
3,647
131,618
$
$
52,053
19,933
45,865
9,395
3,671
130,917
130,338
1,251
131,589
195,232
13,500
$
$
6,761
$
1Q13
$
184,689
129,534
851
130,385
13,500
$
$
$
182,620
$
52,205
21,344
45,087
9,277
3,676
131,589
$
$
52,296
20,962
44,374
9,003
3,750
130,385
128,490
800
129,290
195,968
13,500
$
$
6,660
16
4Q12
52,013
21,061
43,845
8,677
3,694
129,290
$
(7)
$
126,996
1,212
128,208
9,500
$
168,124
4
%
14
123,173
549
123,722
9,500
2
382
3
7
4
7
5
3
7
7
13
17
(10)
9
$
-
13
8
277
9
42
$
$
50,552
21,707
43,512
8,552
3,885
128,208
$
48,616
19,963
42,304
8,563
4,276
123,722
$
171,184
$
164,702
$
124,507
1,491
125,998
199,297
9,500
$
121,566
552
122,118
190,910
9,500
1
(52)
1
-
8
9
8
3
42
47,547
19,985
41,658
8,651
4,277
122,118
(2)
(5)
3
4
(1)
-
8
1
12
12
(15)
8
2
(18)
78
NM
%
$
$
11
$
$
6,511
9
3Q12
181,502
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
48,953
21,755
42,890
8,450
3,950
125,998
$
$
6,117
$
6,092
50
$
192,194
133,090
2,071
135,161
13,500
$
$
168,124
14 %
123,173
549
123,722
9,500
8
277
9
42
7
7
13
17
(10)
9
$
$
52,214
21,425
47,612
10,057
3,853
135,161
$
48,616
19,963
42,304
8,563
4,276
123,722
$
184,450
$
163,072
13
$
129,958
883
130,841
196,004
13,500
$
117,442
677
118,119
194,775
9,500
11
30
11
1
42
46,356
18,839
40,194
8,600
4,130
118,119
12
11
12
7
(11)
11
$
$
51,863
20,886
45,206
9,213
3,673
130,841
$
$
6,761
$
18
6,092
$
11
(15)
NM
558
505
643
644
843
10
(34)
558
843
(34)
8
566
8
513
26
669
29
673
33
876
10
(76)
(35)
8
566
33
876
(76)
(35)
19
585
30
543
12
681
14
687
32
908
(37)
8
(41)
(36)
19
585
32
908
(41)
(36)
2,647
171
2,818
2,691
183
2,874
2,656
183
2,839
2,610
183
2,793
2,653
196
2,849
(2)
(7)
(2)
(13)
(1)
2,647
171
2,818
2,653
196
2,849
(13)
(1)
0.05
1.99
474
0.42
%
0.03
2.06
533
0.39
%
(0.02) %
2.05
413
0.51
0.16
2.06
405
0.52
%
(0.06) %
2.15
315
0.71
0.02 %
1.99
474
0.42
(0.02) %
2.15
315
0.71
Effective January 1, 2013, whole loan financing agreements, previously reported as other assets, were reclassified as loans. For the three months ended September 30, 2013, June 30, 2013 and March 31, 2013, the impact on period-end loans was $1.6 billion, $2.1 billion and
$1.7 billion, respectively, and the impact on average loans was $1.7 billion, $1.8 billion and $1.6 billion, respectively.
Effective January 1, 2013, the financial results of financial institution clients were transferred to Corporate Client Banking from Middle Market Banking. Prior periods were revised to conform with this presentation.
Effective January 1, 2013, headcount includes transfers from other business segments largely related to operations, technology and other support staff.
Allowance for loan losses of $102 million, $79 million, $99 million, $107 million and $148 million was held against nonaccrual loans retained at September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012, respectively.
Loans held-for-sale and loans at fair value were excluded when calculating the net charge-off/(recovery) rate.
Page 24

26. JPMORGAN CHASE & CO.
ASSET MANAGEMENT
FINANCIAL HIGHLIGHTS
(in millions, except ratio and headcount data)
QUARTERLY TRENDS
3Q13
INCOME STATEMENT
REVENUE
Asset management, administration and commissions
All other income
Noninterest revenue
Net interest income
TOTAL NET REVENUE
$
Provision for credit losses
2Q13
2,017
168
2,185
578
2,763
$
1Q13
2,018
138
2,156
569
2,725
$
4Q12
1,883
211
2,094
559
2,653
$
3Q12
2,011
190
2,201
552
2,753
$
1,708
199
1,907
552
2,459
- %
22
1
2
1
—
23
21
19
14
NM
NONINTEREST EXPENSE
Compensation expense
Noncompensation expense
Amortization of intangibles
TOTAL NONINTEREST EXPENSE
1,207
774
22
2,003
1,155
716
21
1,892
1,170
684
22
1,876
1,178
742
23
1,943
1,083
625
23
1,731
5
8
5
6
Income before income tax expense
Income tax expense
NET INCOME
760
284
476
810
310
500
756
269
487
791
308
483
714
271
443
1,365
563
531
2,459
REVENUE BY CLIENT SEGMENT
Private Banking
Institutional
Retail
TOTAL NET REVENUE
$
$
$
FINANCIAL RATIOS
ROE
Overhead ratio
Pretax margin ratio
SELECTED BALANCE SHEET DATA (period-end)
Total assets
Loans (a)
Deposits
Equity
SELECTED BALANCE SHEET DATA (average)
Total assets
Loans
Deposits
Equity
Headcount
(a)
1,488
553
722
2,763
$
$
$
21 %
72
28
1,483
588
654
2,725
$
$
$
22 %
69
30
1,446
589
618
2,653
$
$
$
22 %
71
29
1,441
729
583
2,753
$
$
$
27 %
71
29
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
18 %
(16)
15
5
12
$
NM
5,918
517
6,435
1,706
8,141
$
5,030
616
5,646
1,547
7,193
18 %
(16)
14
10
13
44
67
(34)
11
24
(4)
16
3,532
2,174
65
5,771
3,227
1,866
68
5,161
9
17
(4)
12
(6)
(8)
(5)
6
5
7
2,326
863
1,463
1,965
745
1,220
18
16
20
(6)
10
1
9
(2)
36
12
3,985
1,657
1,551
7,193
11
4
29
13
$
$
$
25 %
70
29
4,417
1,730
1,994
8,141
$
$
$
22 %
71
29
23 %
72
27
$
117,475
90,538
139,553
9,000
$
115,157
86,043
137,289
9,000
$
109,734
81,403
139,679
9,000
$
108,999
80,216
144,579
7,000
$
103,608
74,924
129,653
7,000
2
5
2
-
13
21
8
29
$
117,475
90,538
139,553
9,000
$
103,608
74,924
129,653
7,000
13
21
8
29
$
114,275
87,770
138,742
9,000
$
111,431
83,621
136,577
9,000
$
107,911
80,002
139,441
9,000
$
104,232
76,528
133,693
7,000
$
99,209
71,824
127,487
7,000
3
5
2
-
15
22
9
29
$
111,229
83,826
138,251
9,000
$
95,168
66,097
127,702
7,000
17
27
8
29
18,070
5
10
18,070
10
19,928
19,026
18,604
18,465
19,928
Included $17.5 billion, $14.8 billion, $12.7 billion, $10.9 billion and $8.9 billion of prime mortgage loans reported in the Consumer, excluding credit card, loan portfolio, at September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012 and September 30, 2012,
respectively. For the same periods, excluded $4.0 billion, $4.8 billion, $5.6 billion, $6.7 billion and $8.2 billion of prime mortgage loans reported in the CIO portfolio within the Corporate/Private Equity segment, respectively.
Page 25

27. JPMORGAN CHASE & CO.
ASSET MANAGEMENT
FINANCIAL HIGHLIGHTS, CONTINUED
(in millions, except ratio data and where otherwise noted)
QUARTERLY TRENDS
3Q13
BUSINESS METRICS
Number of client advisors
% of customer assets in 4 & 5 Star Funds (a)
% of AUM in 1st and 2nd quartiles: (b)
1 year
3 years
5 years
CREDIT DATA AND QUALITY STATISTICS
Net charge-offs
Nonaccrual loans
Allowance for credit losses:
Allowance for loan losses
Allowance for lending-related commitments
Total allowance for credit losses
Net charge-off rate
Allowance for loan losses to period-end loans
Allowance for loan losses to nonaccrual loans
Nonaccrual loans to period-end loans
AM FIRMWIDE DISCLOSURES (c)
Total net revenue
Client assets (in billions) (d)
Number of client advisors
(a)
(b)
(c)
(d)
2Q13
2,995
55
2,804
52
%
73
74
74
$
$
260
%
0.22
$
3,300
2,423
6,023
$
3,226
2,323
5,828
$
%
$
3,112
2,332
5,795
2,826
45
%
67
74
76
23
259
249
5
254
0.12
0.31
96
0.32
3Q12
2,821
47
%
70
74
75
4
244
270
6
276
0.02
0.31
111
0.28
7
267
4Q12
2,797
51
%
73
77
76
9
202
0.04
0.29
129
1Q13
$
%
$
3,164
2,244
5,784
7
%
6
%
2,995
55 %
$
$
125
(17)
50
(11)
229
5
234
0.03
0.31
101
0.30
%
6
227
(4)
17
(3)
14
40
14
2
4
3
16
12
3
2,843
2,172
5,860
$
2,826
45 %
73
74
74
%
69
78
77
3
250
248
5
253
0.02
0.31
99
0.31
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
69
78
77
36
202
$
260
7
267
0.06 %
0.29
129
0.22
%
$
9,638
2,423
6,023
61
227
229
5
234
0.12 %
0.31
101
0.30
$
8,279
2,172
5,860
6 %
(41)
(11)
14
40
14
16
12
3
Derived from Morningstar for the U.S., the U.K., Luxembourg, France, Hong Kong and Taiwan; and Nomura for Japan.
Quartile ranking sourced from: Lipper for the U.S. and Taiwan; Morningstar for the U.K., Luxembourg, France and Hong Kong; and Nomura for Japan.
Includes Chase Wealth Management ("CWM"), which is a unit of Consumer & Business Banking. The firmwide metrics are presented in order to capture AM's partnership with CWM. Management reviews firmwide metrics in assessing the financial performance of AM's client
asset management business.
Excludes CWM client assets that are managed by AM.
Page 26

28. JPMORGAN CHASE & CO.
ASSET MANAGEMENT
FINANCIAL HIGHLIGHTS, CONTINUED
(in billions)
CLIENT ASSETS
Assets by asset class
Liquidity
Fixed income
Equity
Multi-asset and alternatives
TOTAL ASSETS UNDER MANAGEMENT
Custody/brokerage/administration/deposits
TOTAL CLIENT ASSETS
MEMO:
Alternatives client assets (a)
Assets by client segment
Private Banking
Institutional
Retail
TOTAL ASSETS UNDER MANAGEMENT
Private Banking
Institutional
Retail
TOTAL CLIENT ASSETS
Mutual fund assets by asset class
Liquidity
Fixed income
Equity
Multi-asset and alternatives
TOTAL MUTUAL FUND ASSETS
(a)
Sep 30,
2013
$
Jun 30,
2013
$
$
446
328
346
420
1,540
706
2,246
$
$
$
$
$
$
$
Mar 31,
2013
$
$
431
325
316
398
1,470
687
2,157
151
$
352
752
436
1,540
$
935
752
559
2,246
$
396
140
183
68
787
$
$
$
$
Dec 31,
2012
$
$
454
331
312
386
1,483
688
2,171
147
$
340
723
407
1,470
$
910
723
524
2,157
$
379
139
164
60
742
$
$
$
$
Sep 30,
2012
Sep 30, 2013
Change
Jun 30,
Sep 30,
2013
2012
$
$
458
330
277
361
1,426
669
2,095
$
437
326
266
352
1,381
650
2,031
144
$
142
$
142
3
6
339
749
395
1,483
$
318
741
367
1,426
$
311
710
360
1,381
4
4
7
5
13
6
21
12
909
749
513
2,171
$
877
741
477
2,095
$
852
710
469
2,031
3
4
7
4
10
6
19
11
400
142
159
53
754
$
410
136
139
46
731
$
390
128
134
46
698
4
1
12
13
6
2
9
37
48
13
$
$
$
$
$
$
3 %
1
9
6
5
3
4
2 %
1
30
19
12
9
11
Represents assets under management, as well as client balances in brokerage accounts.
Page 27

29. JPMORGAN CHASE & CO.
ASSET MANAGEMENT
FINANCIAL HIGHLIGHTS, CONTINUED
(in billions)
NINE MONTHS ENDED
SEPTEMBER 30,
QUARTERLY TRENDS
3Q13
CLIENT ASSETS (continued)
Assets under management rollforward
Beginning balance
Net asset flows:
Liquidity
Fixed income
Equity
Multi-asset and alternatives
Market/performance/other impacts
Ending balance
Client assets rollforward
Beginning balance
Net asset flows
Market/performance/other impacts
Ending balance
$
1,470
$
13
1
7
11
38
1,540
$
$
2,157
39
50
2,246
2Q13
$
1,483
$
(22)
4
7
14
(16)
1,470
$
$
2,171
(4)
(10)
2,157
1Q13
$
1,426
$
(2)
2
15
13
29
1,483
$
$
2,095
20
56
2,171
4Q12
$
1,381
$
22
—
4
6
13
1,426
$
$
2,031
48
16
2,095
3Q12
$
1,347
$
(15)
12
1
6
30
1,381
$
$
1,968
10
53
2,031
2013
$
1,426
$
(11)
7
29
38
51
1,540
$
$
2,095
55
96
2,246
2012
$
1,336
$
(63)
27
4
17
60
1,381
$
$
1,921
12
98
2,031
Page 28

30. JPMORGAN CHASE & CO.
ASSET MANAGEMENT
FINANCIAL HIGHLIGHTS, CONTINUED
(in billions, except where otherwise noted)
QUARTERLY TRENDS
INTERNATIONAL METRICS
Total net revenue: (in millions) (a)
Europe/Middle East/Africa
Asia/Pacific
Latin America/Caribbean
North America
Total net revenue
Assets under management:
Europe/Middle East/Africa
Asia/Pacific
Latin America/Caribbean
North America
Total assets under management
Client assets:
Europe/Middle East/Africa
Asia/Pacific
Latin America/Caribbean
North America
Total client assets
(a)
3Q13
$
$
$
$
$
$
2Q13
465
295
202
1,801
2,763
$
271
132
42
1,095
1,540
$
330
179
109
1,628
2,246
$
$
$
$
1Q13
435
291
230
1,769
2,725
$
261
124
40
1,045
1,470
$
317
171
105
1,564
2,157
$
$
$
$
4Q12
437
277
206
1,733
2,653
$
270
123
39
1,051
1,483
$
328
170
106
1,567
2,171
$
$
$
$
3Q12
471
256
240
1,786
2,753
$
258
114
45
1,009
1,426
$
317
160
110
1,508
2,095
$
$
$
$
386
245
191
1,637
2,459
NINE MONTHS ENDED SEPTEMBER 30,
2013 Change
2013
2012
2012
3Q13 Change
2Q13
3Q12
7 %
1
(12)
2
1
20
20
6
10
12
%
$
$
267
112
42
960
1,381
4
6
5
5
5
1
18
14
12
$
325
155
106
1,445
2,031
4
5
4
4
4
2
15
3
13
11
$
$
$
1,337
863
638
5,303
8,141
$
271
132
42
1,095
1,540
$
330
179
109
1,628
2,246
$
$
$
$
1,170
711
532
4,780
7,193
14 %
21
20
11
13
267
112
42
960
1,381
1
18
14
12
325
155
106
1,445
2,031
2
15
3
13
11
Regional revenue is based on the domicile of the client.
Page 29