業務及び財産の状況に関する説明書
令和 5 年 6 月期

JP モルガン・チェース銀行
東 京 支 店

この説明書は、銀行法第21条および銀行法施行規則第19条の2（業務および財産の状況に関する説明書類の縦覧等）に基づき、当行在日支店ならびに当行持分会社の業務および財産の状況に関し作成したものです。

目

次

頁
1. 外国銀行在日支店に係る事項
１） JP モルガン・チェース銀行東京支店の概況
イ． 代表者
ロ． ジェー・ピー・モルガン・チェース・バンク・ナショナル・アソシエーションの大株主
ハ． 営業所の名称及び所在地

11２） 直近の中間事業年度における事業の概況（1）東京支店の事業内容について（2）令和 5 年 6 月期の営業の概況

11
1３） 直近の 2 中間事業年度における貸借対照表及び損益計算書
４） 確認書2. 外国銀行持分会社に係る事項
１） 事業の概況（2023 年第 1～2 四半期 ニュースリリース原文（英語））２） 事業の概況 要約部分（日本語訳）
３） 中間連結貸借対照表及び中間連結損益計算書（2023 年 1 月 1 日～2023 年 6 月 30 日 原文（英語）・日本語訳）

1
1

2～3
4

１）JP モルガン・チェース銀行東京支店の概況
イ．代表者

李家

輝：

日本における代表者(兼)東京支店長

ロ．ジェー・ピー・モルガン・チェース・バンク・ナショナル・アソシエーションの大株主
氏名又は名称
保有株式数
発行株式総数に対する保有株の割合（％）
ジェー・ピー・モルガン・チ
１168,971 千株
100％ェース・アンド・カンパニー

以上
ハ．営業所の名称及び所在地
JP モルガン・チェース銀行 東京支店
東京都千代田区丸の内２丁目７番３号 東京ビルディング

２） 直近の中間事業年度における事業の概況（１） 東京支店の事業内容について
JP モルガン・チェース・グループにおけるコーポレート・アンド・インベストメント・バンク部門のホールセール事業の日本における拠点として、日本の事業会社及び金融機関に対し、グループの持つグローバル機能を生かし、主として外国為替、デリバティブ、与信業務、財務サービス等を提供しています。
（２） 令和 5 年 6 月期の事業の概況
当中間期の経常利益は12.1億円となりました。主に、資金の運用及び調達に関して本店からの米ドル調達
による本支店為替尻支払利息、及び預金利息により5.6億円の損失を計上しましたが、役務取引等に関して
21.9億円の利益、及びその他業務に関してその他の業務収益及び外国為替売買益からくる46.2億円の利益、その他経常収益を10億円、営業経費を59.7億円計上したことによります。
税引前中間純利益は12.1億円、法人税等を差し引いた中間純利益は9.6億円となりました。

1３） 直近の 2 中間事業年度における貸借対照表及び損益計算書
中間貸借対照表（単位：百万円）
科目
現金預け金
コールローン
債券貸借取引支払保証金
買入金銭債権
有価証券
貸出金
外国為替
その他資産
金融派生商品その他の資産有形固定資産無形固定資産前払年金費用支払承諾見返
貸倒引当金
本支店勘定

令和5年6月30日
4,589,007
68,468682
11,005124,534
41,503
2,675,062
2,493,547
181,5144
164
549
11,348△ 82
657,251

令和4年6月30日
4,806,589
343,000
77,031574
14,841
92,02718,9292,689,058
2,610,350
78,707857455
12,242△ 29
341,841

資産の部合計預金
コールマネー
債券貸借取引受入担保金
外国為替
その他負債
未払法人税等
金融派生商品
金融商品等受入担保金
その他の負債
賞与引当金
繰延税金負債
支払承諾
本支店勘定

8,179,499
801,770
384,000
63,785
3,367,342
356
2,500,339
830,664
35,9811,103
011,3483,546,807

8,396,627
662,673
14,827
97,8183,064,547
608
2,613,230
418,975
31,733882
12,2424,539,771

負債の部合計持込資本金
中間繰越利益剰余金
その他有価証券評価差額金

8,176,157
2,000
1,341
0

8,392,763
2,000
2,118
△ 253

負債及び純資産の部合計

8,179,499

8,396,6272中間損益計算書
科目
経常収益
資金運用収益（損失）（うち貸出金利息）（うち有価証券利息配当金）
役務取引等収益その他業務収益その他経常収益
経常費用
資金調達費用（うち預金利息）
役務取引等費用
その他業務費用
営業経費
その他経常費用
経常利益
税引前中間純利益
法人税、住民税及び事業税
法人税等合計中間純利益
繰越利益剰余金（当期首残高）
本店への送金(又は本店からの補填金）
中間繰越利益剰余金

令和 5 年 1 月 1 日から
令和 5 年 6 月 30 日まで
21,670
7,406(
2,006 )
(
△ 6)
2,722
10,543998
20,458
7,962(
3,461 )
536
5,922
5,967
69
1,211
1,211
250
250
961
△ 945
(
1,324 )
1,341

3

（単位：百万円）
令和 4 年 1 月 1 日から
令和 4 年 6 月 30 日まで
12,170
△ 34
(
719 )
(
1)
2,062
8,929
1,212
8,839
1,489
(
476 )
153
1,183
6,012
0
3,330
3,330
521
521
2,808
△ 1,250
(
560 )
2,118

JPMorgan Chase & Co.
383 Madison Avenue, New York, NY 10179-0001
NYSE symbol: JPM
www.jpmorganchase.com

JPMORGAN CHASE REPORTS FIRST-QUARTER 2023 NET INCOME OF $12.6 BILLION ($4.10 PER SHARE)FIRST-QUARTER 2023 RESULTS1
Std. 13.8% | Adv. 13.9%

ROTCE 23%
2

Total Loss-Absorbing Capacity3 $488B

n Reported revenue of $38.3 billion and managed
Firmwide
Metricsrevenue of $39.3 billion2, including $868 million of
net investment securities lossesn Credit costs of $2.3 billion included a $1.1 billion net
reserve build and $1.1 billion of net charge-offs

n Average loans up 6%; average deposits down 8%
n Average deposits down 4%; client investment assets
down 1%CCB
ROE 40%Std. RWA3 $1.7T

CET1 Capital Ratios3

ROE 18%n Average loans up 5% YoY and flat QoQ; Card
Services net charge-off rate of 2.07%
5n Debit and credit card sales volume up 10%
6n Active mobile customers up 9%

Cash and marketable securities4 $1.4T
Average loans $1.1T

Jamie Dimon, Chairman and CEO, commented on the financial results: “Wereported strong results in the first quarter, delivering net income of $12.6
billion, record revenue of $38.3 billion, and an ROTCE of 23%. We continued
to generate considerable amounts of capital, and our CET1 ratio increased to13.8%, compared to a regulatory requirement of 12.5% and our target of 13%
for the first quarter (which we had already exceeded). Our years of investment
and innovation, vigilant risk and controls framework, and fortress balance
sheet allowed us to produce these returns, and also act as a pillar of strength in
the banking system and stand by our clients during a period of heightened
volatility and uncertainty.”
Dimon continued: “Our lines of business saw continued momentum in thequarter. In Consumer & Community Banking, consumer spending remained
healthy with combined debit and credit card sales up 10% and card loans up
21%. In the Corporate & Investment Bank, Markets revenue fell 4% versus avery strong prior year, and we focused on supporting clients as they navigatedvolatile market conditions. Global Investment Banking fees remained
challenged for the industry, although we significantly outperformed the overall
wallet. In Commercial Banking, we earned record revenue, with exceptionallystrong Payments revenue, up 98%. Finally, Asset & Wealth Management
performed well with strong long-term inflows of $47 billion across products.”

Dimon added: “The U.S. economy continues to be on generally healthy footings—consumers are still spending and have strong balance sheets, and businesses
8.7% wallet share in 1Q23
are in good shape. However, the storm clouds that we have been monitoring forpast year remain on the horizon, and the banking industry turmoil adds ton Total Markets revenue of $8.4 billion, down 4%, with thethese risks. The banking situation is distinct from 2008 as it has involved far
Fixed Income Markets flat and Equity Markets down fewer financial players and fewer issues that need to be resolved, but financial
12%
conditions will likely tighten as lenders become more conservative, and we do
not know if this will slow consumer spending. We also continue to monitor for
7n Gross Investment Banking revenue of $881 million, potentially higher inflation for longer (and thus higher interest rates), theinflationary impact of continued fiscal stimulus, the unprecedented quantitativeup 21%
tightening, and geopolitical tensions including relations with China and thewar in Ukraine. While we hope these clouds will dissipate, then Average loans up 13% YoY and up 1% QoQ; average unpredictable
Firm is prepared for a broad range of outcomes, and we are confident that we
deposits down 16%
can serve the needs of our customers and clients in all environments.”

n #1 ranking for Global Investment Banking fees withCIB
ROE 16%CB
ROE 18%AWM
ROE 34%n Assets under management (AUM) of $3.0 trillion,
up 2%

n Average loans down 1% YoY and down 1% QoQ;
average deposits down 22%

SIGNIFICANT ITEMSn 1Q23 results included:
n $868 million net investment securities losses in Corporate ($0.22
decrease in earnings per share)
CAPITAL DISTRIBUTEDn Common dividend of $3.0 billion or $1.00 per sharen $1.9 billion of common stock net repurchases8
n Net payout LTM8,9 of 33%
FORTRESS PRINCIPLESn Book value per share of $94.34, up 9%; tangible book value per share2 of$76.69, up 10%
n Basel III common equity Tier 1 capital3 of $227 billion and Standardized
ratio3 of 13.8%; Advanced ratio3 of 13.9%
n Firm supplementary leverage ratio of 5.9%

Dimon concluded: “Finally, I want to recognize our outstanding employees
across the globe. Thanks to their efforts, we extended credit and raised $588
billion in capital in the quarter for small and large businesses, governments,
and U.S. consumers, as well as efficiently onboarded a significant amount of
new clients across many of our businesses.”

OPERATING LEVERAGEn 1Q23 expense of $20.1 billion; reported overhead ratio of 52%; managed
overhead ratio2 of 51%
SUPPORTED CONSUMERS, BUSINESSES & COMMUNITIESn $588 billion of credit and capital10 raised in 1Q23
n $57 billion of credit for consumers
n $9 billion of credit for U.S. small businesses
n $232 billion of credit for corporations
n $280 billion of capital raised for corporate clients and non-U.S.
government entities
n $10 billion of credit and capital raised for nonprofit and U.S.
government entities, including states, municipalities, hospitals anduniversities

Investor Contact: Mikael Grubb (212) 270-2479
Note: Totals may not sum due to rounding
1
Percentage comparisons noted in the bullet points are for the first quarter of 2023 versus theprior-year first quarter, unless otherwise specified.
2
For notes on non-GAAP financial measures, including managed basis reporting, see page 6.
For additional notes see page 7.

Media Contact: Joseph Evangelisti (212) 270-7438

JPMorgan Chase & Co.
News Release
In the discussion below of Firmwide results of JPMorgan Chase & Co. (“JPMorgan Chase” or the “Firm”), information ispresented on a managed basis, which is a non-GAAP financial measure, unless otherwise specified. The discussion below of the
Firm’s business segments is also presented on a managed basis. For more information about managed basis, and non-GAAP
financial measures used by management to evaluate the performance of each line of business, refer to page 6.
Comparisons noted in the sections below are for the first quarter of 2023 versus the prior-year first quarter, unless otherwise
specified.

JPMORGAN CHASE (JPM)
Results for JPM($ millions, except per share data)
Net revenue - reported

4Q22
1Q23

4Q22

1Q22

$ 38,349$ 34,547$ 30,717

Net revenue - managed

39,33635,566

Noninterest expense

20,107

Provision for credit losses

2,275

Net income
Earnings per share - diluted$ O/(U)

O/(U) %$ O/(U)

O/(U) %

3,802

11 % $

7,632

25 %

31,590

3,770

11

7,746

25

19,022

19,191

1,085

6

916

5

2,288

1,463

(13)

(1)

812

56

$ 12,622$ 11,008$ 8,282$

1,614

15 % $

4,340

52 %

$

$

$

$

0.53

15 % $

1.47

56 %

4.10

3.57

2.63

Return on common equity

18 %

16 %

13 %

Return on tangible common equity

23

20

16

$

1Q22

Discussion of Results:
Net income was $12.6 billion, up 52%.
Net revenue was $39.3 billion, up 25%. Net interest income (NII) was $20.8 billion, up 49%. NII excluding Markets2 was $20.9
billion, up 78%, predominantly driven by higher rates, partially offset by lower deposit balances compared to the prior year.
Noninterest revenue was $18.5 billion, up 5%, predominantly driven by higher CIB Markets noninterest revenue, largely offset
by higher net investment securities losses in Corporate and lower Investment Banking fees and operating lease income in Auto.
Noninterest expense was $20.1 billion, up 5%, driven by higher structural expense and continued investments in the business,
primarily compensation reflecting headcount growth and wage inflation, as well as the previously announced FDIC assessment
increase, partially offset by lower auto lease depreciation.
The provision for credit losses was $2.3 billion, reflecting net charge-offs of $1.1 billion and a net reserve build of $1.1 billion.
The net reserve build included $726 million in Wholesale and $416 million in Consumer, largely driven by a deterioration in
the weighted-average economic outlook, including updates to the Firm’s macroeconomic scenarios and an increased probabilityof a moderate recession due to tightening financial conditions. The net reserve build in Wholesale also included a build forsingle name exposures in Corporate. Net charge-offs of $1.1 billion were up $555 million, largely driven by Card Services.

JPMorgan Chase & Co.
News Release

CONSUMER & COMMUNITY BANKING (CCB)
Results for CCB($ millions)
Net revenue
Banking & Wealth Management11
Home Lending
Card Services & Auto
Noninterest expense11
Provision for credit losses
Net income

1Q23$ 16,456
10,041
720
5,695
8,065
1,402
$ 5,243

4Q22$ 15,793
9,582
584
5,627
7,912
1,845
$ 4,556

1Q22$ 12,182
6,015
1,169
4,998
7,655
678
$ 2,908

4Q22
1Q22$ O/(U) O/(U) %$ O/(U) O/(U) %$663
4 % $ 4,274
35 %
459
5
4,026
67
136
23
(449)
(38)
68
1
697
14
153
2
410
5
(443)
(24)
724
107
$
687
15 % $ 2,335
80 %Discussion of Results:
Net income was $5.2 billion, up 80%. Net revenue was $16.5 billion, up 35%.
Banking & Wealth Management net revenue was $10.0 billion, up 67%, driven by higher deposit margins. Home Lending net
revenue was $720 million, down 38%, largely driven by lower net interest income from tighter loan spreads and lower
production revenue due to lower volume. Card Services & Auto net revenue was $5.7 billion, up 14%, largely driven by higher
net interest income in Card Services on higher revolving balances, partially offset by lower auto operating lease income.
Noninterest expense was $8.1 billion, up 5%, largely driven by higher compensation, including wage inflation and headcountgrowth, as well as investments in the business, largely offset by lower auto lease depreciation.
The provision for credit losses was $1.4 billion, reflecting net charge-offs of $1.1 billion and a reserve build of $350 million.
The reserve build included $300 million in Card Services and $50 million in Home Lending, driven by a deterioration in theweighted-average economic outlook. Net charge-offs of $1.1 billion were up $499 million, predominantly driven by Card
Services, reflecting continued normalization in delinquencies.

JPMorgan Chase & Co.
News Release

CORPORATE & INVESTMENT BANK (CIB)
Results for CIB($ millions)
Net revenue
Banking11
Markets & Securities Services
Noninterest expense11
Provision for credit losses
Net income

1Q23$ 13,600
4,223
9,377
7,483
58
$ 4,421

4Q22$ 10,598
3,832
6,766
6,495
141
$ 3,314

1Q22$ 13,576
4,279
9,297
7,363
445
$ 4,372

4Q22
1Q22$ O/(U) O/(U) %$ O/(U) O/(U) %$ 3,00228 % $
24
—%
391
10
(56)
(1)
2,611
39
80
1
988
15
120
2
(83)
(59)
(387)
(87)
$ 1,10733 % $
49
1%

Discussion of Results:
Net income was $4.4 billion, up 1%, with net revenue of $13.6 billion, flat to the prior year.
Banking revenue was $4.2 billion, down 1%. Investment Banking revenue was $1.6 billion, down 24%, reflecting lower
Investment Banking fees, down 19%, predominantly driven by lower debt underwriting fees. Payments revenue was $2.4
billion, up 26% and included a gain on an equity investment in the prior year. Excluding the net impact of equity investments,
Payments revenue was up 55%, predominantly driven by higher rates, partially offset by lower deposit balances. Lending
revenue was $267 million, down 17%, predominantly driven by mark-to-market losses on hedges of retained loans, largely
offset by higher net interest income on higher loan balances.
Markets & Securities Services revenue was $9.4 billion, up 1%. Markets revenue was $8.4 billion, down 4%. Fixed Income
Markets revenue was $5.7 billion, flat, reflecting higher revenue in Rates and Credit and lower revenue in Currencies &Emerging Markets. Equity Markets revenue was $2.7 billion, down 12%, against a strong first quarter in the prior year.
Securities Services revenue was $1.1 billion, up 7%, driven by higher rates, partially offset by lower deposit balances andmarket levels.
Noninterest expense was $7.5 billion, up 2%, reflecting higher compensation, including headcount growth and wage inflation,
largely offset by lower revenue-related compensation.
The provision for credit losses was $58 million, predominantly driven by net charge-offs of $50 million. The net reserve build
was driven by net downgrade activity and a deterioration in the weighted-average economic outlook, largely offset by a releaseof name-specific reserves.

COMMERCIAL BANKING (CB)Results for CB($ millions)
Net revenue
Noninterest expense
Provision for credit losses
Net income

1Q23$ 3,5111,308
417$ 1,347

4Q22$ 3,404
1,254
284$ 1,423

1Q22$ 2,398
1,129
157
$
850

4Q22
1Q22
$ O/(U) O/(U) %$ O/(U) O/(U) %$107
3 % $ 1,113
46 %
54
4
179
16
133
47
260
166
$
(76)
(5)% $
497
58 %Discussion of Results:
Net income was $1.3 billion, up 58%.
Net revenue was $3.5 billion, up 46%, driven by higher deposit margins, partially offset by lower deposit-related fees.
Noninterest expense was $1.3 billion, up 16%, largely driven by higher compensation, including headcount growth, as well as
higher volume-related expense.
The provision for credit losses was $417 million, reflecting a net reserve build, predominantly driven by a deterioration in theweighted-average economic outlook and net downgrade activity.

JPMorgan Chase & Co.
News Release

ASSET & WEALTH MANAGEMENT (AWM)
Results for AWM($ millions)
Net revenue
Noninterest expense
Provision for credit losses
Net income

1Q23
4,784
3,091
28
$ 1,367

$

4Q22
4,588
3,022
32
$ 1,134

$

1Q22
4,315
2,860
154
$ 1,008

$

4Q22
1Q22
$ O/(U) O/(U) %$ O/(U) O/(U) %
$
196
4% $
469
11 %
69
2
231
8
(4)
(13)
(126)
(82)
$
233
21 % $
359
36 %

Discussion of Results:
Net income was $1.4 billion, up 36%.
Net revenue was $4.8 billion, up 11%, driven by higher deposit margins on lower balances and a valuation gain of $339 million
on the Firm’s initial investment in the Asset Management joint venture in China as a result of taking 100% ownership, partially
offset by the impact of lower average market levels on management fees and lower performance fees.
Noninterest expense was $3.1 billion, up 8%, predominantly driven by higher compensation, including headcount growth,higher revenue-related compensation and the impact of acquisitions.
The provision for credit losses was $28 million, reflecting a net reserve build.
Assets under management were $3.0 trillion, up 2%, driven by continued net inflows, largely offset by lower market levels.

CORPORATE
Results for Corporate($ millions)
Net revenue
Noninterest expense
Provision for credit losses
Net income/(loss)

1Q23
985
160
370
$
244
$

4Q22
1Q22
4Q22
1Q22
$ O/(U) O/(U) %$ O/(U) O/(U) %$ 1,183 $ (881) $ (198)(17)% $ 1,866
NM
339
184
(179)
(53)
(24)
(13)
(14)
29
384
NM
341
NM
$
581 $ (856) $ (337)(58)% $ 1,100
NM

Discussion of Results:
Net income was $244 million, compared with a net loss of $856 million in the prior year.
Net revenue was $985 million compared with a net loss of $881 million in the prior year. Net interest income was $1.7 billion
compared with a loss of $536 million in the prior year, due to the impact of higher rates. The current quarter included $868
million of net investment securities losses, compared with $394 million of net losses in the prior year. Investment securities
losses reflected net losses on sales of mortgage-backed securities and U.S. Treasuries.
Noninterest expense was $160 million, down $24 million.
The provision for credit losses was $370 million, reflecting a net reserve build, driven by single name exposures.

JPMorgan Chase & Co.
News Release2.

Notes on non-GAAP financial measures:a.

The Firm prepares its Consolidated Financial Statements in accordance with accounting principles generally accepted in
the U.S. (“U.S. GAAP”). That presentation, which is referred to as “reported” basis, provides the reader with anunderstanding of the Firm’s results that can be tracked consistently from year-to-year and enables a comparison of the
Firm’s performance with the U.S. GAAP financial statements of other companies. In addition to analyzing the Firm’s
results on a reported basis, management reviews Firmwide results, including the overhead ratio, on a “managed” basis;these Firmwide managed basis results are non-GAAP financial measures. The Firm also reviews the results of the lines ofbusiness on a managed basis. The Firm’s definition of managed basis starts, in each case, with the reported U.S. GAAP
results and includes certain reclassifications to present total net revenue for the Firm and each of the reportable businesssegments on a fully taxable-equivalent basis. Accordingly, revenue from investments that receive tax credits and taxexempt securities is presented in the managed results on a basis comparable to taxable investments and securities. These
financial measures allow management to assess the comparability of revenue from year-to-year arising from both taxable
and tax-exempt sources. The corresponding income tax impact related to tax-exempt items is recorded within income tax
expense. These adjustments have no impact on net income as reported by the Firm as a whole or by the lines of business.
For a reconciliation of the Firm’s results from a reported to managed basis, refer to page 7 of the Earnings Release
Financial Supplement.

b.

Tangible common equity (“TCE”), return on tangible common equity (“ROTCE”) and tangible book value per share(“TBVPS”) are each non-GAAP financial measures. TCE represents the Firm’s common stockholders’ equity (i.e., total
stockholders’ equity less preferred stock) less goodwill and identifiable intangible assets (other than mortgage servicing
rights), net of related deferred tax liabilities. For a reconciliation from common stockholders’ equity to TCE, refer to page
10 of the Earnings Release Financial Supplement. ROTCE measures the Firm’s net income applicable to common equity asa percentage of average TCE. TBVPS represents the Firm’s TCE at period-end divided by common shares at period-end.
Book value per share was $94.34, $90.29 and $86.16 at March 31, 2023, December 31, 2022, and March 31, 2022,
respectively. TCE, ROTCE, and TBVPS are utilized by the Firm, as well as investors and analysts, in assessing the Firm’s
use of equity.

c.

In addition to reviewing net interest income (“NII”) and noninterest revenue (“NIR”) on a managed basis, management also
reviews these metrics excluding CIB Markets (“Markets”, which is composed of Fixed Income Markets and Equity
Markets). Markets revenue consists of principal transactions, fees, commissions and other income, as well as net interest
income. These metrics, which exclude Markets, are non-GAAP financial measures. Management reviews these metrics toassess the performance of the Firm’s lending, investing (including asset-liability management) and deposit-raising
activities, apart from any volatility associated with Markets activities. In addition, management also assesses Markets
business performance on a total revenue basis as offsets may occur across revenue lines. For example, securities thatgenerate net interest income may be risk-managed by derivatives that are reflected at fair value in principal transactions
revenue. Management believes these measures provide investors and analysts with alternative measures to analyze therevenue trends of the Firm. For a reconciliation of NII and NIR from reported to excluding Markets, refer to page 29 of theEarnings Release Financial Supplement. For additional information on Markets revenue, refer to page 70 of the Firm’s
2022 Form 10-K.

JPMorgan Chase & Co.
News Release
Additional notes:
3.

Estimated. Reflects the Current Expected Credit Losses (“CECL”) capital transition provisions. Beginning January 1, 2022,
the $2.9 billion CECL capital benefit is being phased out at 25% per year over a three-year period. As of March 31, 2023,
CET1 capital and Total Loss-Absorbing Capacity reflected the remaining $1.4 billion CECL benefit. Refer to Capital Risk
Management on pages 86-96 of the Firm’s 2022 Form 10-K for additional information.

4.

Estimated. Cash and marketable securities, includes the Firm’s average eligible high-quality liquid assets (“HQLA”), otherend-of-period HQLA-eligible securities which are included as part of the excess liquidity at JPMorgan Chase Bank, N.A.
that are not transferable to non-bank affiliates and thus excluded from the Firm’s liquidity coverage ratio (“LCR”) under
the LCR rule, and other end-of-period unencumbered marketable securities, such as equity and debt securities. Does notinclude borrowing capacity at Federal Home Loan Banks and the discount window at the Federal Reserve Bank. Refer toLiquidity Risk Management on pages 97-104 of the Firm’s 2022 Form 10-K for additional information.

5.

Excludes Commercial Card.

6.

Users of all mobile platforms who have logged in within the past 90 days.

7.

Includes gross revenues earned by the Firm, that are subject to a revenue sharing arrangement with the CIB, for products
sold to CB clients through the Investment Banking, Markets or Payments businesses. This includes revenues related to
fixed income and equity markets products. Refer to page 61 of the Firm’s 2022 Form 10-K for discussion of revenue
sharing.

8.

Includes the net impact of employee issuances.

9.

Last twelve months (“LTM”).

10. Credit provided to clients represents new and renewed credit, including loans and lending-related commitments.
11. In the first quarter of 2023, the allocations of revenue and expense to CCB associated with a Merchant Services revenue
sharing agreement were discontinued and are now retained in Payments in CIB. Prior-period amounts have been revised toconform with the current presentation.

JPMorgan Chase & Co.
News Release
JPMorgan Chase & Co. (NYSE: JPM) is a leading financial services firm based in the United States of America (“U.S.”), with
operations worldwide. JPMorgan Chase had $3.7 trillion in assets and $303 billion in stockholders’ equity as of March 31,
2023. The Firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking,financial transaction processing and asset management. Under the J.P. Morgan and Chase brands, the Firm serves millions ofcustomers predominantly in the U.S., and many of the world’s most prominent corporate, institutional and government clients
globally. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com.
JPMorgan Chase & Co. will host a conference call today, April 14, 2023, at 8:30 a.m. (EDT) to present first-quarter 2023
financial results. The general public can access the call by dialing (888) 324-3618 in the U.S. and Canada, or (312) 470-7119
for international callers; use passcode 1364784#. Please dial in 15 minutes prior to the start of the call. The live audio webcast
and presentation slides will be available on the Firm’s website, www.jpmorganchase.com, under Investor Relations, Events &Presentations.
A replay of the conference call will be available beginning at approximately 11:00 a.m. (EDT) on April 14, 2023 through 11:59
p.m. (EDT) on April 28, 2023 by telephone at (886) 405-7296 (U.S. and Canada) or (203) 369-0607 (international); use
passcode 14632#. The replay will also be available via webcast on www.jpmorganchase.com under Investor Relations, Events& Presentations. Additional detailed financial, statistical and business-related information is included in a financial supplement.
The earnings release and the financial supplement are available at www.jpmorganchase.com.
This earnings release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of1995. These statements are based on the current beliefs and expectations of JPMorgan Chase & Co.’s management and are
subject to significant risks and uncertainties. Actual results may differ from those set forth in the forward-looking statements.
Factors that could cause JPMorgan Chase & Co.’s actual results to differ materially from those described in the forwardlooking statements can be found in JPMorgan Chase & Co.’s Annual Report on Form 10-K for the year ended December 31,
2022, which has been filed with the Securities and Exchange Commission and is available on JPMorgan Chase & Co.’s website(https://jpmorganchaseco.gcs-web.com/financial-information/sec-filings), and on the Securities and Exchange Commission’s
website (www.sec.gov). JPMorgan Chase & Co. does not undertake to update any forward-looking statements.

Exhibit 99.1
JPMorgan Chase & Co.
383 Madison Avenue, New York, NY 10179-0001
NYSE symbol: JPM
www.jpmorganchase.com

JPMORGAN CHASE REPORTS SECOND-QUARTER 2023 NET INCOME OF $14.5 BILLION ($4.75 PER SHARE)EXCLUDING SIGNIFICANT ITEMS2, NET INCOME WAS $13.3 BILLION ($4.37 PER SHARE)SECOND-QUARTER 2023 RESULTS1
Std. 13.8% | Adv. 13.9%

ROTCE2 25%

Total Loss-Absorbing Capacity $494B
3

n Reported revenue of $41.3 billion and managed
2

revenue of $42.4 billion

Firmwide
Metricsn Credit costs of $2.9 billion included a $1.5 billion net
reserve build and $1.4 billion of net charge-offs

n Average loans up 13%; average deposits down 6%
n Average deposits down 2%; client investment assets
up 42%CCB
ROE 38%n Average loans up 19% YoY and 15% QoQ; Card
Services net charge-off rate of 2.41%
5n Debit and credit card sales volume up 7%
6

n Active mobile customers up 10%
n #1 ranking for Global Investment Banking fees withCIB
ROE 15%

8.4% wallet share YTD

n Total Markets revenue of $7.0 billion, down 10%,with Fixed Income Markets down 3% and Equity
Markets down 20%
7CB
ROE 16%AWM
ROE 29%Std. RWA3 $1.7T

CET1 Capital Ratios3

ROE 20%n Gross Investment Banking and Markets revenue of$767 million, down 3%

n Average loans up 23% YoY and up 14% QoQ;
average deposits down 8%

n Assets under management (AUM) of $3.2 trillion,
up 16%n Average loans up 1% YoY and up 4% QoQ; averagedeposits down 21%

Cash and marketable securities4 $1.4T
Average loans $1.2T

Jamie Dimon, Chairman and CEO, commented on the financial results: “Wereported another quarter of strong results, generating net income of $13.3 billion
and an ROTCE of 23% after excluding a net after-tax gain of $1.8 billion relating to
the First Republic transaction, as well as discretionary after-tax investment
securities losses of $0.7 billion. Even after the First Republic transaction, we
maintained an extraordinarily strong CET1 capital ratio of 13.8% and had $1.4
trillion in cash and marketable securities. While we expect material capital changes
with the finalization of Basel III and probable changes to come for bank liquidity, we
will manage to any new requirements as we have demonstrated in the past; however,
we caution that material regulatory changes would likely have real worldconsequences for markets and end users.”
Dimon continued: “Almost all of our lines of business saw continued growth in thequarter. In Consumer & Community Banking, new checking account production wasvery strong, while card loans were up 18%. In the Corporate & Investment Bank,
Investment Banking fees remained challenged, although we gained market share
YTD. In Commercial Banking, Payments revenue remained very strong and grew
79%. Finally, Asset & Wealth Management had record long-term inflows of $61
billion, with inflows across channels, regions, and asset classes.”Dimon added: “The U.S. economy continues to be resilient. Consumer balance
sheets remain healthy, and consumers are spending, albeit a little more slowly.
Labor markets have softened somewhat, but job growth remains strong. That being
said, there are still salient risks in the immediate view—many of which I havewritten about over the past year. Consumers are slowly using up their cash buffers,core inflation has been stubbornly high (increasing the risk that interest rates gohigher, and stay higher for longer), quantitative tightening of this scale has neveroccurred, fiscal deficits are large, and the war in Ukraine continues, which inaddition to the huge humanitarian crisis for Ukrainians, has large potential effects
on geopolitics and the global economy. While we cannot predict with any certainty
how these factors will play out, we are currently managing the Firm to reliably meetthe needs of our customers and clients in all environments.”
Dimon concluded: “I want to welcome our new First Republic colleagues and thankall of our employees. They did an extraordinary job serving our new First Republicclients, and they worked around the clock to onboard an unprecedented number of
new clients across all lines of business as a result of the recent banking turmoil. The
efforts by our employees also enabled us to extend credit and raise $1.2 trillion incapital in the first half of 2023 for businesses, governments, and U.S. consumers.”

SIGNIFICANT ITEMSn Basel III common equity Tier 1 capital3 of $236 billion and Standardized ratio3 of
13.8%; Advanced ratio3 of 13.9%
n 2Q23 results included:8n Firm supplementary leverage ratio of 5.8%
n $2.7 billion First Republic bargain purchase gain in Corporate ($0.91
increase in earnings per share (EPS))OPERATING LEVERAGE
n $1.2 billion net credit reserve build for First Republic ($0.30 decrease in EPS) n 2Q23 expense of $20.8 billion; reported overhead ratio of 50%; managed
n $900 million net investment securities losses in Corporate ($0.23 decrease inoverhead ratio2 of 49%
EPS)
SUPPORTED CONSUMERS, BUSINESSES & COMMUNITIESn Excluding significant items2: 2Q23 net income of $13.3 billion, EPS of $4.37
n $1.2 trillion of credit and capital11 raised YTD
and ROTCE of 23%
n $120 billion of credit for consumers
CAPITAL DISTRIBUTED
n $17 billion of credit for U.S. small businessesn Common dividend of $2.9 billion or $1.00 per sharen $520 billion of credit for corporations
n $1.8 billion of common stock net repurchases9
n $535 billion of capital raised for corporate clients and non-U.S. government
9,10
n Net payout LTM of 32%
entities
FORTRESS PRINCIPLES
n $24 billion of credit and capital raised for nonprofit and U.S. government
entities, including states, municipalities, hospitals and universities
n Book value per share of $98.11, up 14%; tangible book value per share2 of$79.90, up 15%

Investor Contact: Mikael Grubb (212) 270-2479
Note: Totals may not sum due to rounding.
1
Percentage comparisons noted in the bullet points are for the second quarter of 2023 versus theprior-year second quarter, unless otherwise specified.
2
For notes on non-GAAP financial measures, including managed basis reporting, see page 6.
For additional notes see page 7.

Media Contact: Joseph Evangelisti (212) 270-7438

JPMorgan Chase & Co.
News Release
In the discussion below of Firmwide results of JPMorgan Chase & Co. (“JPMorgan Chase” or the “Firm”), information ispresented on a managed basis, which is a non-GAAP financial measure, unless otherwise specified. The discussion below of the
Firm’s business segments is also presented on a managed basis. For more information about managed basis, and non-GAAP
financial measures used by management to evaluate the performance of each line of business, refer to page 6.
Comparisons noted in the sections below are for the second quarter of 2023 versus the prior-year second quarter, unlessotherwise specified.

JPMORGAN CHASE (JPM)
Results for JPM($ millions, except per share data)
Net revenue - reported

1Q23
2Q23

1Q23

2Q22

$ O/(U)

O/(U) %$ O/(U)

O/(U) %

2,958

8 % $ 10,592

34 %

8

10,77134$ 41,307$ 38,349$ 30,715

Net revenue - managed

42,401

39,336

31,6303,065

Noninterest expense

20,822

20,107

18,749

715

4

2,073

11

Provision for credit losses

2,899

2,275

1,101

624

27

1,798

163

Net income$ 14,472$ 12,622$ 8,649$

1,850

15 % $

5,823

67 %

Earnings per share - diluted

$

$

$

$

0.65

16 % $

1.99

72 %

4.75

4.10

2.76

Return on common equity

20 %

18 %

13 %

Return on tangible common equity

25

23

17

$

2Q22

Discussion of Results:
Net income was $14.5 billion, up 67%, or up 40% excluding First Republic.
Net revenue was $42.4 billion, up 34%, or up 21% excluding First Republic. Net interest income (NII) was $21.9 billion, up
44%, or up 38% excluding First Republic. NII excluding Markets2 was $22.4 billion, up 63%, or up 57% excluding First
Republic, predominantly driven by higher rates, partially offset by lower deposit balances. Noninterest revenue was $20.5
billion, up 25%, or up 6% excluding First Republic, predominantly driven by higher CIB Markets noninterest revenue and theabsence of certain losses in Payments in the prior year, partially offset by higher net investment securities losses in Corporate.
Noninterest expense was $20.8 billion, up 11%, or up 8% excluding First Republic, driven by higher compensation expense,
including front office hiring and wage inflation, as well as technology and marketing investments and higher legal expense.
The provision for credit losses was $2.9 billion. Excluding First Republic, the provision was $1.7 billion, reflecting net chargeoffs of $1.4 billion and a net reserve build of $326 million. The net reserve build included $389 million in Commercial Banking
and $200 million in Card Services, partially offset by a $243 million release in Corporate. Net charge-offs of $1.4 billion wereup $754 million, largely driven by Card Services.
Net income attributable to First Republic was $2.4 billion in the quarter. This included an estimated bargain purchase gain of$2.7 billion, and a provision for credit losses of $1.2 billion to establish a reserve for the acquired First Republic lending
portfolio. During the two months ending June 30, 2023, there was an additional $897 million of net interest income, $436
million of noninterest revenue and $599 million of expense that were attributable to First Republic. For additional information,
see note 8 on page 7.

JPMorgan Chase & Co.
News Release

CONSUMER & COMMUNITY BANKING (CCB)
Results for CCB($ millions)
Net revenue
Banking & Wealth Management12
Home Lending
Card Services & Auto
Noninterest expense12
Provision for credit losses
Net income

2Q23$ 17,233
10,936
1,007
5,290
8,313
1,862
$ 5,306

1Q23$ 16,456
10,041
720
5,695
8,065
1,402
$ 5,243

2Q22$ 12,558
6,502
1,001
5,055
7,658
761
$ 3,108

1Q23
2Q22$ O/(U) O/(U) %$ O/(U) O/(U) %$777
5 % $ 4,675
37 %
895
9
4,434
68
287
40
6
1
(405)
(7)
235
5
248
3
655
9
460
33
1,101
145
$
63
1 % $ 2,198
71 %Discussion of Results:
Net income was $5.3 billion, up 71%, or up 61% excluding First Republic. Net revenue was $17.2 billion, up 37%, or up 31%
excluding First Republic.
Banking & Wealth Management net revenue was $10.9 billion, up 68%, or up 59% excluding First Republic, driven by higher
deposit margins on lower balances. Home Lending net revenue was $1.0 billion, up 1%, or down 23% excluding First Republic,
driven by lower net interest income from tighter loan spreads and lower servicing and production revenue. Card Services &Auto net revenue was $5.3 billion, up 5%, largely driven by higher Card Services net interest income on higher revolving
balances, largely offset by lower auto operating lease income and card net interchange.
Noninterest expense was $8.3 billion, up 9%, or up 8% excluding First Republic, largely driven by higher compensation,
including wage inflation and headcount growth as the Firm continues to invest in front office and technology staffing, as well as
higher marketing, partially offset by lower auto lease depreciation.
The provision for credit losses was $1.9 billion and included a $408 million reserve established for the First Republic portfolio.
Excluding First Republic, the provision was $1.5 billion, reflecting net charge-offs of $1.3 billion. The net reserve build of $203
million was predominantly driven by loan growth in Card Services and changes in specific macroeconomic factors, largely
offset by reduced borrower uncertainty. Net charge-offs of $1.3 billion were up $640 million YoY, predominantly driven by
Card Services, as 30+ day delinquencies have returned to pre-pandemic levels.

JPMorgan Chase & Co.
News Release

CORPORATE & INVESTMENT BANK (CIB)
Results for CIB($ millions)
Net revenue
Banking12
Markets & Securities Services
Noninterest expense12
Provision for credit losses
Net income

2Q23$ 12,519
4,244
8,275
6,894
38
$ 4,092

1Q23$ 13,600
4,223
9,377
7,483
58
$ 4,421

2Q22$ 12,003
3,280
8,723
6,810
59
$ 3,717

1Q23
2Q22$ O/(U) O/(U) %$ O/(U) O/(U) %$ (1,081)(8)% $
516
4%
21
—
964
29
(1,102)
(12)
(448)
(5)
(589)
(8)
84
1
(20)
(34)
(21)
(36)
$ (329)(7)% $
375
10 %

Discussion of Results:
Net income was $4.1 billion, up 10%, with net revenue of $12.5 billion, up 4%.
Banking revenue was $4.2 billion, up 29%. Investment Banking revenue was $1.5 billion, up 11%. Excluding markdowns onheld-for-sale positions in the bridge book13 in the prior year, Investment Banking revenue was down 7%. Investment Banking
fees were down 6%, driven by lower advisory fees. Payments revenue was $2.5 billion, up 61%. Excluding the net impact ofequity investments, primarily markdowns in the prior year, Payments revenue was up 32%, predominantly driven by higher
rates, partially offset by lower deposit balances. Lending revenue was $299 million, down 27%, predominantly driven by markto-market losses on hedges of retained loans, partially offset by higher net interest income.
Markets & Securities Services revenue was $8.3 billion, down 5%. Markets revenue was $7.0 billion, down 10%. Fixed Income
Markets revenue was $4.6 billion, down 3%, reflecting lower revenue in macro businesses, largely offset by higher revenue in
the Securitized Products Group14 and Credit. Equity Markets revenue was $2.5 billion, down 20%, compared with a strong
second quarter in the prior year. Securities Services revenue was $1.2 billion, up 6%, driven by higher rates, largely offset bylower fees and deposit balances.
Noninterest expense was $6.9 billion, up 1%, driven by higher non-compensation expense, as well as wage inflation andheadcount growth, largely offset by lower revenue-related compensation.
The provision for credit losses was $38 million, including net charge-offs of $56 million.

COMMERCIAL BANKING (CB)Results for CB($ millions)
Net revenue
Noninterest expense
Provision for credit losses
Net income

2Q23$ 3,9881,300
1,097$ 1,208

1Q23$ 3,5111,308
417$ 1,347

2Q22$ 2,683
1,156
209
$
994

1Q23
2Q22
$ O/(U) O/(U) %$ O/(U) O/(U) %$477
14 % $ 1,305
49 %
(8)
(1)
144
12
680
163
888
425
$ (139)(10)% $
214
22 %Discussion of Results:
Net income was $1.2 billion, up 22%, or up 54% excluding First Republic.
Net revenue was $4.0 billion, up 49%, or up 42% excluding First Republic, predominantly driven by higher deposit margins,partially offset by lower deposit-related fees.
Noninterest expense was $1.3 billion, up 12%, predominantly driven by higher compensation, including front office hiring andtechnology investments, as well as higher volume-related expense.
The provision for credit losses was $1.1 billion and included a $608 million reserve established for the First Republic portfolio.
Excluding First Republic, the provision was $489 million, reflecting a net reserve build of $389 million, driven by updates tocertain assumptions related to office real estate, as well as net downgrade activity in Middle Market. Net charge-offs of $100
million were predominantly driven by office real estate.

JPMorgan Chase & Co.
News Release

ASSET & WEALTH MANAGEMENT (AWM)
Results for AWM($ millions)
Net revenue
Noninterest expense
Provision for credit losses
Net income

2Q23
4,943
3,163
145
$ 1,226

$

1Q23
4,784
3,091
28
$ 1,367

$

2Q22
4,306
2,919
44
$ 1,004

$

1Q23
2Q22
$ O/(U) O/(U) %$ O/(U) O/(U) %
$
159
3% $
637
15 %
72
2
244
8
117
418
101
230
$ (141)(10)% $
222
22 %

Discussion of Results:
Net income was $1.2 billion, up 22%, or up 10% excluding First Republic.
Net revenue was $4.9 billion, up 15%, or up 8% excluding First Republic, driven by higher deposit margins on lower balancesand higher management fees on strong net inflows.
Noninterest expense was $3.2 billion, up 8%, driven by higher compensation, including growth in private banking advisor
teams, higher revenue-related compensation and the impact of Global Shares and J.P. Morgan Asset Management China.
The provision for credit losses was $145 million, driven by a $146 million reserve established for the First Republic portfolio.
Assets under management were $3.2 trillion, up 16%, and client assets were $4.6 trillion, up 20%, driven by continued net
inflows, higher market levels and the impact of the acquisition of Global Shares.

CORPORATE
Results for Corporate($ millions)
Net revenue
Noninterest expense
Provision for credit losses
Net income/(loss)

2Q23
1Q23
$ 3,718 $
985
1,152
160
(243)
370
$ 2,640 $
244

1Q23
2Q22
2Q22
$ O/(U) O/(U) %$ O/(U) O/(U) %$80 $ 2,733
277 % $ 3,638
NM
206
992
NM
946
459
28
(613)
NM
(271)
NM
$ (174) $ 2,396
NM $ 2,814
NM

Discussion of Results:
Net income was $2.6 billion, or $339 million excluding First Republic, compared with a net loss of $174 million in the prioryear.
Net revenue was $3.7 billion and included an estimated bargain purchase gain of $2.7 billion attributable to First Republic.
Excluding First Republic, net revenue was $1.0 billion. Net interest income was $1.7 billion, compared with $324 million in theprior year, due to the impact of higher rates. The current quarter also included $900 million of net investment securities losses,
compared with $153 million of net losses in the prior year. Investment securities losses reflected net losses on sales of U.S.
Treasuries and mortgage-backed securities.
Noninterest expense was $1.2 billion, up $946 million, or up $384 million excluding First Republic, largely driven by higher
legal expense.
The provision for credit losses was a net benefit of $243 million, reflecting a reserve release associated with the deposit placedwith First Republic Bank in the first quarter of 2023.

JPMorgan Chase & Co.
News Release2.

Notes on non-GAAP financial measures:a.

The Firm prepares its Consolidated Financial Statements in accordance with accounting principles generally accepted in
the U.S. (“U.S. GAAP”). That presentation, which is referred to as “reported” basis, provides the reader with anunderstanding of the Firm’s results that can be tracked consistently from year-to-year and enables a comparison of the
Firm’s performance with the U.S. GAAP financial statements of other companies. In addition to analyzing the Firm’s
results on a reported basis, management reviews Firmwide results, including the overhead ratio, on a “managed” basis;these Firmwide managed basis results are non-GAAP financial measures. The Firm also reviews the results of the lines ofbusiness on a managed basis. The Firm’s definition of managed basis starts, in each case, with the reported U.S. GAAP
results and includes certain reclassifications to present total net revenue for the Firm and each of the reportable businesssegments on a fully taxable-equivalent basis. Accordingly, revenue from investments that receive tax credits and taxexempt securities is presented in the managed results on a basis comparable to taxable investments and securities. These
financial measures allow management to assess the comparability of revenue from year-to-year arising from both taxable
and tax-exempt sources. The corresponding income tax impact related to tax-exempt items is recorded within income tax
expense. These adjustments have no impact on net income as reported by the Firm as a whole or by the lines of business.
For a reconciliation of the Firm’s results from a reported to managed basis, refer to page 7 of the Earnings Release
Financial Supplement.

b.

Tangible common equity (“TCE”), return on tangible common equity (“ROTCE”) and tangible book value per share(“TBVPS”) are each non-GAAP financial measures. TCE represents the Firm’s common stockholders’ equity (i.e., total
stockholders’ equity less preferred stock) less goodwill and identifiable intangible assets (other than mortgage servicing
rights), net of related deferred tax liabilities. For a reconciliation from common stockholders’ equity to TCE, refer to page
10 of the Earnings Release Financial Supplement. ROTCE measures the Firm’s net income applicable to common equity asa percentage of average TCE. TBVPS represents the Firm’s TCE at period-end divided by common shares at period-end.
Book value per share was $98.11, $94.34 and $86.38 at June 30, 2023, March 31, 2023, and June 30, 2022, respectively.
TCE, ROTCE, and TBVPS are utilized by the Firm, as well as investors and analysts, in assessing the Firm’s use of equity.

c.

In addition to reviewing net interest income (“NII”) and noninterest revenue (“NIR”) on a managed basis, management also
reviews these metrics excluding CIB Markets (“Markets”, which is composed of Fixed Income Markets and Equity
Markets). Markets revenue consists of principal transactions, fees, commissions and other income, as well as net interest
income. These metrics, which exclude Markets, are non-GAAP financial measures. Management reviews these metrics toassess the performance of the Firm’s lending, investing (including asset-liability management) and deposit-raising
activities, apart from any volatility associated with Markets activities. In addition, management also assesses Markets
business performance on a total revenue basis as offsets may occur across revenue lines. For example, securities thatgenerate net interest income may be risk-managed by derivatives that are reflected at fair value in principal transactions
revenue. Management believes these measures provide investors and analysts with alternative measures to analyze therevenue trends of the Firm. For a reconciliation of NII and NIR from reported to excluding Markets, refer to page 29 of theEarnings Release Financial Supplement. For additional information on Markets revenue, refer to page 70 of the Firm’s
2022 Form 10-K.

d.

Second-quarter 2023 net income, earnings per share and ROTCE excluding significant items are non-GAAP financial
measures. Significant items collectively refer to the bargain purchase gain associated with First Republic of $2.7 billion,
the net credit reserve build associated with First Republic of $1.2 billion and net investment securities losses of $900
million. Excluding these significant items resulted in a decrease of $1.1 billion (after tax) to reported net income from
$14.5 billion to $13.3 billion; a decrease of $0.38 per share to reported EPS from $4.75 to $4.37; and a decrease of 2% to
ROTCE from 25% to 23%. Management believes these measures provide useful information to investors and analysts inassessing the Firm’s results.

JPMorgan Chase & Co.
News Release
Additional notes:
3.

Estimated. Reflects the Current Expected Credit Losses (“CECL”) capital transition provisions. Beginning January 1, 2022,
the $2.9 billion CECL capital benefit is being phased out at 25% per year over a three-year period. As of June 30, 2023,
CET1 capital and Total Loss-Absorbing Capacity reflected the remaining $1.4 billion CECL benefit. Refer to Capital Risk
Management on pages 36-41 of the Firm’s Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2023
and on pages 86-96 of the Firm’s 2022 Form 10-K for additional information.

4.

Estimated. Cash and marketable securities includes end-of-period eligible high-quality liquid assets (“HQLA”), excluding
regulatory prescribed haircuts under the liquidity coverage ratio (“LCR”) rule where applicable, for both the Firm and theexcess HQLA-eligible securities which are included as part of the excess liquidity at JPMorgan Chase Bank, N.A. that are
not transferable to non-bank affiliates and thus excluded from the Firm’s LCR. Also includes other end-of-period
unencumbered marketable securities, such as equity and debt securities. Does not include borrowing capacity at Federal
Home Loan Banks and the discount window at the Federal Reserve Bank. The presentation in prior periods reflected
average eligible Firm HQLA rather than end-of-period eligible Firm HQLA. Refer to Liquidity Risk Management on pages
42-47 of the Firm’s Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2023 and on pages 97-104 of
the Firm’s 2022 Form 10-K for additional information.

5.

Excludes Commercial Card.

6.

Users of all mobile platforms who have logged in within the past 90 days. As of June 30, 2023, excludes the impact of theFirst Republic acquisition.

7.

Includes gross revenues earned by the Firm, that are subject to a revenue sharing arrangement with the CIB, for Investment
Banking and Markets’ products sold to CB clients. This includes revenues related to fixed income and equity markets
products. Refer to page 61 of the Firm’s 2022 Form 10-K for discussion of revenue sharing.

8.

On May 1, 2023, JPMorgan Chase acquired certain assets and assumed certain liabilities of First Republic Bank (the “First
Republic acquisition") from the Federal Deposit Insurance Corporation (“FDIC”) resulting in an estimated bargain
purchase gain of $2.7 billion recorded in other income. All references in this press release to “excluding First Republic” or“attributable to First Republic” refer to excluding or including, as applicable, the relevant effects of the First Republic
acquisition. In the second quarter of 2023, expense attributable to First Republic was substantially all in Corporate.

9.

Includes the net impact of employee issuances.

10. Last twelve months (“LTM”).
11. Credit provided to clients represents new and renewed credit, including loans and lending-related commitments.
12. In the first quarter of 2023, the allocations of revenue and expense to CCB associated with a Merchant Services revenue
sharing agreement were discontinued and are now retained in Payments in CIB. Prior-period amounts have been revised toconform with the current presentation.
13. The bridge book consists of certain held-for-sale positions, including unfunded commitments, in CIB.
14. Securitized Products Group is comprised of Securitized Products and Tax Oriented Investments.

JPMorgan Chase & Co.
News Release
JPMorgan Chase & Co. (NYSE: JPM) is a leading financial services firm based in the United States of America (“U.S.”), with
operations worldwide. JPMorgan Chase had $3.9 trillion in assets and $313 billion in stockholders’ equity as of June 30, 2023.
The Firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking,financial transaction processing and asset management. Under the J.P. Morgan and Chase brands, the Firm serves millions ofcustomers predominantly in the U.S., and many of the world’s most prominent corporate, institutional and government clients
globally. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com.
JPMorgan Chase & Co. will host a conference call today, July 14, 2023, at 8:30 a.m. (EDT) to present second-quarter 2023
financial results. The general public can access the call by dialing (888) 324-3618 in the U.S. and Canada, or (312) 470-7119
for international callers; use passcode 1364784#. Please dial in 15 minutes prior to the start of the call. The live audio webcast
and presentation slides will be available on the Firm’s website, www.jpmorganchase.com, under Investor Relations, Events &Presentations.
A replay of the conference call will be available beginning at approximately 11:00 a.m. (EDT) on July 14, 2023 through 11:59
p.m. (EDT) on July 28, 2023 by telephone at (866) 511-1892 (U.S. and Canada) or (203) 369-1947 (international); use passcode14632#. The replay will also be available via webcast on www.jpmorganchase.com under Investor Relations, Events &Presentations. Additional detailed financial, statistical and business-related information is included in a financial supplement.
The earnings release and the financial supplement are available at www.jpmorganchase.com.
This earnings release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of1995. These statements are based on the current beliefs and expectations of JPMorgan Chase & Co.’s management and are
subject to significant risks and uncertainties. Actual results may differ from those set forth in the forward-looking statements.
Factors that could cause JPMorgan Chase & Co.’s actual results to differ materially from those described in the forwardlooking statements can be found in JPMorgan Chase & Co.’s Annual Report on Form 10-K for the year ended December 31,
2022 and Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2023, which have been filed with the
Securities and Exchange Commission and is available on JPMorgan Chase & Co.’s website (https://jpmorganchaseco.gcsweb.com/financial-information/sec-filings), and on the Securities and Exchange Commission’s website (www.sec.gov).
JPMorgan Chase & Co. does not undertake to update any forward-looking statements.

【ご参考】
下記は 2023 年 4 月 14 日に NY で配信したリリースの概略部分の参考和訳です。本文と原文の内容に相違がある場合は原文が優先します。
原文リリースはこちらからご覧いただけます。

JP モルガン・チェース、2023 年第 1 四半期決算 1 を発表
2023 年第 1 四半期：純利益 126 億ドル (EPS 4.10 ドル)• 株主資本利益率（ROE）18％、有形自己資本利益率（ROTCE）2 23%• 普通株式等 Tier1 比率 3 標準的手法 13.8% 先進的手法 13.9% 総損失吸収力（TLAC）3 4,880 億ドル• Std. RWA (リスクアセット標準的手法) 3 1.7 兆ドル、 手元流動性 4 1.4 兆ドル、期中平均ローン残高 1.1 兆ドル
2023 年第 1 四半期（以下、当期）の業績概要
会社全体▪ 当期収益は 383 億ドル、管理ベースでは 393 億ドル 2 （8.68 億ドルの投資有価証券関連損失を含む）▪ クレジットコストは 23 億ドル（11 億ドルの貸倒引当金繰入および 11 億ドルの貸倒償却含む）▪ 期中平均ローン残高は 6%増、期中平均預金残高は 8％減

CCB: コンシューマー＆コミュニティ・バンキング （当期 ROE: 40%）
▪ 期中平均預金残高は 4%減、顧客投資資産は 1%減▪ 期中平均ローン残高は前年比 5％増/前四半期比フラット、カード貸倒損失率 2.07%▪ デビットおよびクレジットカード販売取扱高 5 は 10%増
▪ モバイルカスタマー数 6 は 9%増
CIB: コーポレート＆インベストメント・バンク （当期 ROE: 16%）▪ グローバル投資銀行業務の手数料収入は 8.7%のウォレット・シェアで当期、業界トップを維持。
▪ フィクスト・インカム・マーケッツ収益はフラット、エクイティ・マーケッツ収益は 12％減で、マーケッツ業務収益は4％減の 84 億ドル
CB: コマーシャル・バンキング （当期 ROE: 18%）
▪ インベストメント・バンキング総収入 7 は 21%増の 8.81 億ドル▪ 期中平均ローン残高は前年比 13％増/前四半期比 1%増、期中平均預金残高は 16%減
AWM: アセット・ウェルスマネジメント （当期 ROE: 34%）
▪ 運用資産残高（AUM）は 2%増の 3.0 兆ドル▪ 期中平均ローン残高は前年比 1%減/前四半期比 1%減、期中平均預金残高は 22%減

【ご参考】
特記事項▪

以下の項目は当期（2023 年第 1 四半期）の業績に含まれる。
▪ コーポレートにおいて、8.68 億ドルの投資有価証券関連損失を計上（1 株当たり利益（EPS)0.22 ドル減）

資本還元
▪ 普通株式配当 30 億ドル、1 株当たり 1 ドル
▪ 自社株買い純総額 8 は 19 億ドル▪ 総還元性向 8, 9 33 ％盤石な財務基盤▪

1 株当たり純資産 9%増の 94.34 ドル、1 株当たり有形自己資本 2 は前年比 10％増の 76.69 ドル▪

バーゼル III 普通株式等 Tier1 自己資本 3 は 2,270 億ドル、同比率は標準的手法 3 13.8%、先進的手法 3
13.9%

▪

全社ベース SLR（補完的レバレッジ比率）は 5.9%

営業レバレッジ▪ 当期費用は 201 億ドル、オーバーヘッド比率は 52%、管理ベースオーバーヘッド比率 2 は 51%
お客様や地域社会のために▪ 2023 年第 1 四半期の融資および資本調達 10 実施額は 5,880 億ドル‑

個人のお客様向け融資 570 億ドル‑

米国のスモール・ビジネス向け融資 90 億ドル‑

法人向け融資 2,320 億ドル‑

法人および非米国政府機関向けに実施した資本調達 2,800 億ドル‑

非営利団体および州、自治体、病院、大学を含む米国政府機関向けに実施した融資・資本調達は 100 億ドル＿＿＿＿＿＿＿＿＿＿
1. 記載されている増減率は、特に注記のない限り前年同期比です。
2. Non-GAAP 財務数値（管理ベースを含む）に関する注記は、英文リリース 6 頁を参照。追加注記は 7 頁を参照。。
3. 概算値。ＣＥＣＬ資本経過措置規定を含む。2022 年 1 月 1 日以降、普通株式等 Tier1（「ＣＥＴ1」）自己資本 29 億ドルはその後 3 年間にわたって、毎年 25％ずつ減価されます。2023 年 3 月 31 日時点では、ＣＥＴ１自己資本と TLAC は 14 億ドル残存しています。追加情報については、2022 年の Form 10 K の 86～96 ページのキャピタル・リスク・マネジメントの項目をご参照ください。
4. 概算値。手元流動性には、抵当権設定のない適格流動資産（「 HQLA 」）の期中平均残高、その他 HQLA 適格証券の期末残高（これらは銀行以外の関連会社に譲渡できない JP モルガン・チェース銀行の余剰流動性の一部として含まれ、そのため当社の流動性カバレッジ比
率（「LCR」）の計算からは除外されます）、抵当権設定の無い市場性有価証券（株式や債券など）の期末残高、が含まれます。連邦住宅貸付銀行（「FHLB」）の借入能力および連邦準備銀行の貸出は含まれていません。追加情報については、2022 年の Form 10K の報告書の97～104 頁の流動性リスク管理の項目をご参照ください。
5. コマーシャルカードは除外
6. 過去 90 日以内にモバイル・プラットフォームにログインしたユーザー数を指します。
7. 同収入は CIB セグメントとレベニューシェアされている収入を含んでおり、すなわち、CB セグメント顧客に対して CIB セグメントのインベストメ
ント・バンキング部門内、マーケッツ部門内、ペイメント部門内を通して販売されるプロダクトを含みます。同収入は債券関連、株式関連の商品双方を含みます。追加情報については、2022 年の Form 10K の報告書の 61 頁、レベニューシェアの項目をご参照ください。
8. 従業員保有株分の影響を含みます。
9. 過去 12 ヵ月（LTM）
10. 顧客向け与信枠はローンおよびコミットメントを含む新規および継続更新された与信枠を指します。

【ご参考】
下記は 2023 年 7 月 14 日に NY で配信したリリースの概略部分の参考和訳です。本文と原文の内容に相違がある場合は原文が優先します。
原文リリースはこちらからご覧いただけます。

JP モルガン・チェース、2023 年第 2 四半期決算 1 を発表
2023 年第 2 四半期：純利益 145 億ドル (EPS 4.75 ドル)、
特殊要因 2 を除き、純利益は 133 億ドル（EPS 4.37 ドル）• 株主資本利益率（ROE）20％、有形自己資本利益率（ROTCE）2 25%• 普通株式等 Tier1 比率 3 標準的手法 13.8% 先進的手法 13.9% 総損失吸収力（TLAC）3 4,940 億ドル• Std. RWA (リスクアセット標準的手法) 3 1.7 兆ドル、 手元流動性 4 1.4 兆ドル、期中平均ローン残高 1.2 兆ドル
2023 年第 2 四半期（以下、当期）の業績概要
会社全体▪ 当期収益は 413 億ドル、管理ベースでは 424 億ドル 2▪ クレジットコストは 29 億ドル（15 億ドルの貸倒引当金繰入および 14 億ドルの貸倒償却含む）▪ 期中平均ローン残高は 13%増、期中平均預金残高は 6％減

CCB: コンシューマー＆コミュニティ・バンキング （当期 ROE: 38%）
▪ 期中平均預金残高は 2%減、顧客投資資産は 42%増
▪ 期中平均ローン残高は前年比 19％増/前四半期比 15％増、カード貸倒損失率 2.41%▪ デビットおよびクレジットカード販売取扱高 5 は 7%増▪ モバイルカスタマー数 6 は 10%増
CIB: コーポレート＆インベストメント・バンク （当期 ROE: 15%）▪ グローバル投資銀行業務の手数料収入は 8.4%のウォレット・シェア第 2 四半期累計で、業界トップを維持。
▪ フィクスト・インカム・マーケッツ収益は 3%減、エクイティ・マーケッツ収益は 20％減で、マーケッツ業務収益は10％減の 70 億ドル
CB: コマーシャル・バンキング （当期 ROE: 16%）
▪ インベストメント・バンキング総収入 7 は 3%減の 7.67 億ドル▪ 期中平均ローン残高は前年比 23％増/前四半期比 14%増、期中平均預金残高は 8%減
AWM: アセット・ウェルスマネジメント （当期 ROE: 29%）
▪ 運用資産残高（AUM）は 16%増の 3.2 兆ドル▪ 期中平均ローン残高は前年比 1%増/前四半期比 4%増、期中平均預金残高は 21%減

【ご参考】
特記事項▪

以下の項目は当期（2023 年第 2 四半期）の業績に含まれる。
▪ First Republic8 の買収に関して、負ののれん発生益を 27 億ドル計上した。（1 株当たり利益（EPS）0.91 ドル増）▪ First Republic に関連して、12 億ドルの引当金を計上した。（1 株当たり利益（EPS）0.30 ドル減）
▪ コーポレートにおいて、9 億ドルの投資有価証券関連損失を計上（1 株当たり利益（EPS)0.23 ドル減）▪

特殊要因 2 を除き、2023 年第 2 四半期の純利益は 133 億ドル、EPS 4.37 ドル、ROTCE 23%

資本還元▪ 普通株式配当 29 億ドル、1 株当たり 1 ドル
▪ 自社株買い純総額 9 は 18 億ドル▪ 総還元性向 9, 10 32 ％盤石な財務基盤▪

1 株当たり純資産 14%増の 98.11 ドル、1 株当たり有形自己資本 2 は前年比 15％増の 79.90 ドル▪

バーゼル III 普通株式等 Tier1 自己資本 3 は 2,360 億ドル、同比率は標準的手法 3 13.8%、先進的手法 3
13.9%

▪

全社ベース SLR（補完的レバレッジ比率）は 5.8%

営業レバレッジ▪ 当期費用は 208 億ドル、オーバーヘッド比率は 50%、管理ベースオーバーヘッド比率 2 は 49%
お客様や地域社会のために▪ 2023 年第 2 四半期累計の融資および資本調達 11 実施額は 1.2 兆ドル‑

個人のお客様向け融資 1,200 億ドル‑

米国のスモール・ビジネス向け融資 170 億ドル‑

法人向け融資 5,200 億ドル‑

法人および非米国政府機関向けに実施した資本調達 5,350 億ドル‑

非営利団体および州、自治体、病院、大学を含む米国政府機関向けに実施した融資・資本調達は 240 億ドル＿＿＿＿＿＿＿＿＿＿
1. 記載されている増減率は、特に注記のない限り前年同期比です。
2. Non-GAAP 財務数値（管理ベースを含む）に関する注記は、英文リリース 6 頁を参照。追加注記は 7 頁を参照。。
3. 概算値。ＣＥＣＬ資本経過措置規定を含む。2022 年 1 月 1 日以降、普通株式等 Tier1（「ＣＥＴ1」）自己資本 29 億ドルはその後 3 年間にわたって、毎年 25％ずつ減価されます。2023 年 6 月 30 日時点では、ＣＥＴ１自己資本と TLAC は 14 億ドル残存しています。追加情報については、2023 年 3 月 31 日に終了した四半期の Form 10 Q の四半期報告書 36～41 ページ、2022 年の Form 10 K の 86～96 ページのキャピタル・リスク・マネジメントの項目をご参照ください。
4. 概算値。手元流動性には、①適格流動資産（「 HQLA 」）の期末残高が、流動性カバレッジ比率（「LCR」）規制の下で想定される所定のヘアカット（減額）分を除き、含まれています。HQLA は、以下で構成されています。a) LCR 規制が適用される JP モルガン・チェース・アンド・カンパニーにおける HQLA、 b)ノンバンク関係会社に移転できないため、JP モルガン・チェース・アンド・カンパニーの LCR からは除外されている JP モルガン・チェース銀行における余剰流動性の一部として含まれる HQLA 適格証券。 また手元流動性には②市場性のある有価証券（株式や債券）の期末残高も含まれています。一方、③連邦住宅貸付銀行（「FHLB」）からの借入余力や連邦準備銀行（FRB）の貸出は含まれていません。なお、過去の決算における説明においては、適格流動資産（HQLA）に関しては、期末残高ではなく、平均残高に言及していました。流動性リスク管理の項目に関する追加情報については、2023 年 3 月 31 日に終了した四半期の Form 10 Q の当社四半期報告書の 42～47 ページおよび 2022 年の Form 10 K の報告書の 97～104 ページをご参照ください。

【ご参考】
5. コマーシャルカードは除外
6. 過去 90 日以内にモバイル・プラットフォームにログインしたユーザー数を指します。2023 年 6 月 30 日時点の数字は、First Republic 買収の影響を除く。
7. 同収入は CIB セグメントとレベニューシェアされている収入を含んでおり、すなわち、CB セグメント顧客に対して CIB セグメントのインベストメ
ント・バンキング部門内、マーケッツ部門内を通して販売されるプロダクトを含みます。同収入は債券関連、株式関連の商品双方を含みます。
追加情報については、2022 年の Form 10 K の報告書の 61 ページ、レベニューシェアの項目をご参照ください。
8. 2023 年 5 月 1 日、JP モルガン・チェースは、Federal Deposit Insurance Corporation(以下「FDIC」）から First Republic Bank の特定の資産を買収し、特定の負債を譲り受けたことで、その他の収益に負ののれん計上益 27 億ドルを計上した。 本プレスリリースで言及されている「First Republic を除く」または「First Republic に起因するもの」とは、First Republic 買収に関連する影響を除外または含むことを指します。 2023 年の第 2 四半期において、First Republic に起因する費用は、ほぼ全てコーポレートに計上しています。
9. 従業員保有株分の影響を含みます。
10. 過去 12 ヵ月（LTM）
11. 顧客向け与信枠はローンおよびコミットメントを含む新規および継続更新された与信枠を指します。

JPMORGAN CHASE & CO.
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)Six months ended June 30,
2023
2022

(in millions, except per share data)

Revenue
Investment banking fees
Principal transactions
Lending- and deposit-related fees
Asset management fees
Commissions and other fees
Investment securities losses
Mortgage fees and related income
Card income
Other income$

3,162 $
14,525
3,448
7,239
3,434
(1,768)
499
2,328
4,299

3,594
10,095
3,712
7,169
3,433
(547)
838
2,108
2,030

Noninterest revenue

37,16632,432

Interest income
Interest expense

78,64836,15834,142
5,142

Net interest income

42,49029,000Total net revenue

79,65661,432

Provision for credit losses

5,174

2,564

Noninterest expense
Compensation expense
Occupancy expense
Technology, communications and equipment expense
Professional and outside services
Marketing
Other expense

22,892
2,185
4,451
5,009
2,167
4,225

21,088
2,263
4,736
5,041
1,801
3,011

Total noninterest expense

40,92937,940

Income before income tax expense
Income tax expense

33,553
6,459

20,9283,997

Net income$

27,094 $16,931

Net income applicable to common stockholders$

26,204 $16,039$8.86 $
8.85
2,956.1
2,960.5

5.40
5.39
2,969.6
2,973.7

Net income per common share data
Basic earnings per share
Diluted earnings per share
Weighted-average basic shares
Weighted-average diluted shares

JPMORGAN CHASE & CO.
CONSOLIDATED BALANCE SHEETS (UNAUDITED)(in millions, except share data)

AssetsCash and due from banks
Deposits with banks
Federal funds sold and securities purchased under resale agreements (included $322,579 and $311,883 at fair value)
Securities borrowed (included $55,905 and $70,041 at fair value)
Trading assets (included assets pledged of $142,625 and $93,687)
Available-for-sale securities (amortized cost of $209,876 and $216,188; included assets pledged of $12,864 and $9,158)
Held-to-maturity securities

June 30,
2023

December 31,
2022

$

$

26,064
469,059
325,628
163,563
636,996203,262
408,941

27,697539,537
315,592
185,369
453,799
205,857
425,305

Investment securities, net of allowance for credit losses
Loans (included $38,789 and $42,079 at fair value)
Allowance for loan losses

612,2031,300,069(21,980)

631,162
1,135,647(19,726)

Loans, net of allowance for loan losses
Accrued interest and accounts receivable
Premises and equipment
Goodwill, MSRs and other intangible assets
Other assets (included $14,166 and $14,921 at fair value and assets pledged of $5,844 and $7,998)

1,278,089
111,561
29,49364,238151,346

1,115,921
125,189
27,73460,859
182,884

Total assets
Liabilities
Deposits (included $51,568 and $28,620 at fair value)
Federal funds purchased and securities loaned or sold under repurchase agreements (included $216,604 and $151,999 at fair value)
Short-term borrowings (included $17,942 and $15,792 at fair value)
Trading liabilities
Accounts payable and other liabilities (included $5,101 and $7,038 at fair value)
Beneficial interests issued by consolidated VIEs (included $1 and $5 at fair value)
Long-term debt (included $78,609 and $72,281 at fair value)$

3,868,240$

3,665,743$

2,398,962
266,272
41,022
178,809
286,934
19,647364,078$

2,340,179
202,61344,027
177,976
300,141
12,610295,865

Total liabilities

3,555,724

3,373,411

Stockholders' equity
Preferred stock ($1 par value; authorized 200,000,000 shares; issued 2,740,375 shares)
Common stock ($1 par value; authorized 9,000,000,000 shares; issued 4,104,933,895 shares)
Additional paid-in capital
Retained earnings
Accumulated other comprehensive losses
Treasury stock, at cost (1,198,848,622 and 1,170,676,094 shares)

27,404
4,105
89,578317,359(14,290)(111,640)

27,404
4,105
89,044296,456(17,341)(107,336)

Total stockholders’ equity

312,516

292,332

Total liabilities and stockholders' equity$

3,868,240$

3,665,743

ジェー・ピー・モルガン・チェース・アンド・カンパニー
連結損益計算書（未監査）
1月1日から6月30日まで
2023
2022

(単位：百万ドル, 一株当たりデータを除く)

収益
投資銀行業務関連の収益
自己勘定取引貸出金及び預金関連収益
資産運用手数料
その他の手数料
有価証券利益（損失）モーゲージ報酬及び関連利益
カード収益
その他の収益$3,162
14,525
3,448
7,239
3,434
(1,768)
499
2,328
4,299

$

3,594
10,095
3,712
7,169
3,433
(547)
838
2,108
2,030

利息以外の収益37,16632,432

受入利息
支払利息

78,64836,15834,1425,142

正味受入利息42,49029,000

収益合計（純額）

79,65661,432

信用損失引当金繰入（戻入）額

5,174

2,564

利息以外の費用
報酬費用
不動産関連費用
テクノロジー、通信及び機器関連費用
専門家報酬及び外部業務委託費用
マーケティング費用
その他の費用

22,892
2,185
4,451
5,009
2,167
4,225

21,088
2,263
4,736
5,041
1,801
3,011

利息以外の費用合計

40,92937,940

法人所得税控除前利益
法人所得税

33,553
6,459

20,928
3,997

当期純利益

$

27,094$

16,931

普通株主に帰属する当期純利益$

26,204$

16,039

$

8.86
8.85
2,956.1
2,960.5

$

5.40
5.39
2,969.6
2,973.7

普通株式一株当たり当期純利益データ
基本的一株当たり利益
希薄化後一株当たり利益
基本的加重平均普通株式数
希薄化後加重平均普通株式数

ジェー・ピー・モルガン・チェース・アンド・カンパニー
連結貸借対照表（未監査）(単位：百万ドル)

資産
現金及び無利息銀行預け金
有利息銀行預け金
フェデラル・ファンド貸出金及び売戻条件付買入有価証券
借入有価証券
トレーディング資産
売却可能有価証券
満期保有目的有価証券（信用損失引当金控除後）2023年6月30日$

26,064
469,059
325,628
163,563
636,996203,262
408,941

2022年12月31日$

27,697539,537
315,592
185,369
453,799
205,857
425,305

信用損失引当金控除後有価証券
貸出金
貸倒引当金

612,2031,300,069(21,980)

631,162
1,135,647(19,726)

貸倒引当金控除後貸出金
未収利息及び未収入金
建物・設備、及び器具・備品
のれん及びモーゲージ・サービシング権、その他の無形固定資産
その他の資産1,278,089
111,561
29,49364,238151,346

1,115,921
125,189
27,73460,859
182,884

資産合計
負債
預金
フェデラル・ファンド借入金及び貸出有価証券又は、買戻条件付売却有価証券
短期借入金
トレーディング負債
未払金及びその他の負債
連結変動持分事業体により発行された受益権
長期社債$

3,868,240$

3,665,743$

2,398,962
266,272
41,022
178,809
286,934
19,647364,078$

2,340,179
202,61344,027
177,976
300,141
12,610295,865

負債合計

3,555,724

3,373,411

株主持分
優先株式：額面1ドル
普通株式：額面1ドル
資本剰余金
利益剰余金
その他の包括利益（損失）累計額
自己株式（取得原価）

27,404
4,105
89,578317,359(14,290)(111,640)

27,404
4,105
89,044296,456(17,341)(107,336)

株主持分合計312,516

292,332

負債及び株主持分合計$

3,868,240$

3,665,743