摩根大通 JPMorgan Chase & Co（JPM）2025年第二季度财务业绩报告「NYSE」（英文版）（13页）.pdf

1、July 15,20252Q25 Financial Results2Q25 Financial highlightsROTCE121%CET1 capital ratios2Std.15.0%|Adv.15.1%Total Loss-Absorbing Capacity2$560BStd.RWA3$1.9TCash and marketable securities4$1.5TAverage loans$1.4TBalance sheetLoans:average loans of$1.4T up 5%YoY and 3%QoQDeposits:average deposits of$2.5

2、T up 6%YoY and 3%QoQCET1 capital of$284B2 Standardized CET1 capital ratio of 15.0%2;Advanced CET1 capital ratio of 15.1%2Capital distributedCommon dividend of$3.9B or$1.40 per share$7.1B of common stock net repurchases7Net payout LTM of 71%7,8Income statement2Q25 net income of$15.0B and EPS of$5.24

3、Excluding a significant item5,2Q25 net income of$14.2B,EPS of$4.96 and ROTCE of 20%Managed revenue of$45.7B6Expense of$23.8B and managed overhead ratio of 52%6SIGNIFICANT ITEMS($MM,EXCLUDING EPS)Pretax Net incomeEPSIncome tax benefit in Corporate-$774$0.281See note 3 on slide 9 2Represents the estim

4、ated Basel III common equity Tier 1(“CET1”)capital and ratio and Total Loss-Absorbing Capacity for the current period.See note 1 on slide 103Standardized risk-weighted assets(“RWA”).Estimated for the current period.See note 1 on slide 104Cash and marketable securities represent HQLA and unencumbered

5、 marketable securities.Estimated for the current period.See note 2 on slide 105See note 5 on slide 96See note 1 on slide 97Includes the net impact of employee issuances.Excludes excise tax and commissions8Last twelve months(“LTM”)12Q25 1Q25 2Q24 Net interest income$23.3($0.1)$0.5 Noninterest revenue

6、22.4(0.3)(5.8)Managed revenue145.7(0.3)(5.3)Expense23.8 0.2 0.1 Credit costs2.8(0.5)(0.2)Net income$15.0$0.3($3.2)Net income applicable to common stockholders$14.6$0.3($3.1)EPS diluted$5.24$0.17($0.88)ROE218%18%23%ROTCE2,321 21 28 Overhead ratio managed1,252 51 47 Memo:NII excluding Markets4$22.8$0.