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JP MORGAN CHASE(JPM) - 2025 Q3 - Earnings Call Presentation
2025-10-14 12:30
Financial Performance - The company reported a net income of $14.4 billion, a 12% increase year-over-year (YoY)[2,6] - Managed revenue reached $47.1 billion, up 9% YoY[2,6] - Net interest income (NII) was $24.1 billion, a 2% increase YoY, while noninterest revenue (NIR) was $23.0 billion, up 16% YoY[3,6] - Earnings per share (EPS) diluted reached $5.07[3] - Return on tangible common equity (ROTCE) was 20%[2,3] Balance Sheet Strength - The firm's standardized Common Equity Tier 1 (CET1) capital ratio was 14.8%, and the advanced CET1 capital ratio was 14.9%[2,7] - CET1 capital totaled $287 billion[2,7] - Standardized risk-weighted assets (RWA) were $1.9 trillion[2] - Average loans amounted to $1.4 trillion, up 7% YoY and 3% quarter-over-quarter (QoQ)[2] - Average deposits reached $2.5 trillion, up 6% YoY and 1% QoQ[2] - Cash and marketable securities totaled $1.5 trillion[2] Business Segment Highlights - Consumer & Community Banking (CCB) reported net income of $5.0 billion, with a return on equity (ROE) of 35%[5] - Commercial & Investment Bank (CIB) reported net income of $6.9 billion, with an ROE of 18%[5,20] - Asset & Wealth Management (AWM) reported net income of $1.7 billion, with an ROE of 40%[5] Capital Distribution - The company distributed a common dividend of $4.1 billion, or $1.50 per share[2] - The company executed $8.0 billion of common stock net repurchases[2]