摩根大通JPMorgan Chase & Co（JPM）2025年第三季度财务业绩报告「NYSE」（英文版）（13页）.pdf

1、October 14,20253Q25 Financial Results3Q25 Financial highlightsROTCE120%CET1 capital ratios2Std.14.8%|Adv.14.9%Total Loss-Absorbing Capacity2$568BStd.RWA3$1.9TCash and marketable securities4$1.5TAverage loans$1.4TBalance sheetLoans:average loans of$1.4T up 7%YoY and 3%QoQDeposits:average deposits of$

2、2.5T up 6%YoY and 1%QoQCET1 capital of$287B2 Standardized CET1 capital ratio of 14.8%2;Advanced CET1 capital ratio of 14.9%2Capital distributedCommon dividend of$4.1B or$1.50 per share$8.0B of common stock net repurchases6Net payout LTM of 73%6,7Income statement3Q25 net income of$14.4B and EPS of$5.

3、07Managed revenue of$47.1B5Expense of$24.3B and managed overhead ratio of 52%51See note 3 on slide 9 2Represents the estimated 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(“RW

4、A”).Estimated for the current period.See note 1 on slide 104Cash and marketable securities represent HQLA and unencumbered marketable securities.Estimated for the current period.See note 2 on slide 105See note 1 on slide 96Includes the net impact of employee issuances.Excludes excise tax and commiss

5、ions7Last twelve months(“LTM”)13Q25 2Q25 3Q24 Net interest income$24.1$0.8$0.5 Noninterest revenue23.0 0.7 3.3 Managed revenue147.1 1.4 3.8 Expense24.3 0.5 1.7 Credit costs3.4 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 R

6、OE217%18%16%ROTCE2,320 21 19 Overhead ratio managed1,252 52 52 Effective tax rate223.2 18.0 24.0 Managed tax rate1,2,425.9 21.3 26.9 Memo:NII excluding Markets5$23.4$0.6($0.1)NIR excluding Markets514.8 0.8 2.1 Markets revenue8.9 0.0 1.8 Managed revenue147.1 1.4 3.8 Adjusted expense6$24.2$0.6$1.9 Adj