Jp Morgan Chase & Co. · NYSE:JPM
Jp Morgan Chase & — Q3 2025 Earnings Presentation
13 slides from Jp Morgan Chase &'s earnings presentation, Oct 14, 2025
Slide 1: 3Q25 Financial Results
October 14, 2025 3Q25 Financial Results Exhibit 99
Slide 2: 3Q25 Financial highlights
3Q25 Financial highlights ROTCE1 20% CET1 capital ratios2 Std. 14.8% | Adv. 14.9% Total Loss-Absorbing Capacity2 $568B Std. RWA3 $1.9T Cash and marketable securities4 $1.5T Average loans $1.4T Balance sheet ⚫ Loans: average loans of $1.4T up 7% YoY and 3% QoQ ⚫ Deposits: average deposits of $2.5T up
Slide 3: 3Q25 Financial results
3Q25 2Q25 3Q24 Net interest income $24.1 $0.8 $0.5 Noninterest revenue 23.0 0.7 3.3 Managed revenue1 47.1 1.4 3.8 Expense 24.3 0.5 1.7 Credit costs 3.4 0.6 0.3 Net income $14.4 ($0.6) $1.5 Net income applicable to common stockholders $14.0 ($0.6) $1.5 EPS – diluted $5.07 ($0.17) $0.70 ROE2 17% 18% 1
Slide 4: Fortress balance sheet
Fortress balance sheet $B, EXCEPT PER SHARE DATA STANDARDIZED RISK-WEIGHTED ASSETS ($B)1 Note: Totals may not sum due to rounding 1 Estimated for the current period. See note 1 on slide 10 2 Estimated for the current period. Represents the supplementary leverage ratio (“SLR”) 3 Estimated for the cur
Slide 5: Consumer & Community Banking
Consumer & Community Banking1 CIB AWM Corp.CCB ⚫ Average loans up 1% YoY and QoQ ⚫ Average deposits flat YoY and QoQ ⚫ Active mobile customers up 7% YoY ⚫ Debit & credit card sales volume up 9% YoY ⚫ Client investment assets up 15% YoY and 7% QoQ KEY DRIVERS / STATISTICS ($B) – DETAIL BY BUSINESS FI
Slide 6: Commercial & Investment Bank
REVENUE BY CLIENT COVERAGE SEGMENT ($MM) KEY DRIVERS / STATISTICS ($B)3 FINANCIAL PERFORMANCE Commercial & Investment Bank1 1 See note 1 on slide 9; For additional footnotes see slide 11 CCB CIB AWM Corp. SELECTED INCOME STATEMENT DATA ($MM) ⚫ Net income of $6.9B, up 21% YoY; revenue of $19.9B, up 1
Slide 7: Asset & Wealth Management
FINANCIAL PERFORMANCESELECTED INCOME STATEMENT DATA ($MM) Asset & Wealth Management1 1 See note 1 on slide 9 2 Actual numbers for all periods, not over/(under) CCB CIB AWM Corp. KEY DRIVERS / STATISTICS ($B)2 ⚫ Net income of $1.7B, up 23% YoY ⚫ Revenue of $6.1B, up 12% YoY, predominantly driven by g
Slide 8: Corporate
Corporate1 1 See note 1 on slide 9 2 See note 3 on slide 10 CCB CIB AWM Corp. SELECTED INCOME STATEMENT DATA ($MM) FINANCIAL PERFORMANCE ⚫ Revenue of $1.7B, down $1.4B YoY ⚫ Net interest income of $1.4B, down $1.5B YoY, predominantly driven by the impact of lower rates and changes in funds transfer
Slide 9: Outlook
Net interest income excluding Markets of ~$95B – YoY growth driven by balance sheet growth and mix, partially offset by the impact of lower rates Outlook1 1 See notes 1, 2 and 4 on slide 9 3Q25YTD 4Q outlook (market dependent) FY25 implied Net interest income excluding Markets $68.7B ~$23.5B ~$92.2B
Slide 10: Notes on non-GAAP financial measures
Notes on non-GAAP financial measures 1. 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
Slide 11: Additional notes
Additional notes 1. As of January 1, 2025, the benefit from the Current Expected Credit Losses ("CECL") capital transition provision had been fully phased-out; as of September 30, 2024, CET1 capital and Total Loss-Absorbing Capacity reflected the remaining $720mm CECL benefit. Refer to Note 21 of th
Slide 12: Additional notes on slides 4-5
Additional notes on slides 4-5 Slide 4 – Consumer & Community Banking 3. Actual numbers for all periods, not over/(under) 4. Users of all mobile platforms who have logged in within the past 90 days 5. Excludes Commercial Card 6. Firmwide mortgage origination volume was $16.9B, $16.3B and $13.3B for
Slide 13: Forward-looking statements
Forward-looking statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of JPMorgan Chase & Co.’s management and are subject to significant risks an