摩根大通公司JPMORGAN CHASE 2024年第四季度及全年业绩报告「NYSE」（英文版）（19页）.pdf

1、4Q24Financial ResultsJanuary 15,2025AgendaPage1 14Q24 and FY24 Financial Results4Q24 and FY24 Financial Results1 12Financial Outlook93Notes124Q24 Financial highlights1See note 3 on slide 122Represents the estimated Basel III common equity Tier 1(“CET1”)capital and ratio and Total Loss-Absorbing Capa

2、city for the current period.See note 1 on slide 133Standardized risk-weighted assets(“RWA”).Estimated for the current period.See note 1 on slide 134Cash and marketable securities represents HQLA and unencumbered marketable securities.Estimated for the current period.See note 2 on slide 135See note 1

3、 on slide 126Includes the net impact of employee issuances.Excludes excise tax and commissions7Last twelve months(“LTM”)CET1 capital ratios2Std.15.7%15.7%|Adv.15.8%15.8%Total Loss-Absorbing Capacity2$547B$547BStd.RWA3$1.8T$1.8TCash and marketable securities4$1.4T$1.4TAverage loans$1.3T$1.3TBalance s

4、heetBalance sheetLoans:average loans of$1.3T up 2%YoY and 1%QoQDeposits:average deposits of$2.4T up 2%YoY and 1%QoQCET1 capital of$276B2 Standardized CET1 capital ratio of 15.7%2;Advanced CET1 capital ratio of 15.8%2Capital distributedCapital distributedCommon dividend of$3.5B or$1.25 per share$4.0B

5、 of common stock net repurchases6Net payout LTM of 54%6,7Income statementIncome statement4Q24 net income of$14.0B and EPS of$4.81Managed revenue of$43.7B5Expense of$22.8B and managed overhead ratio of 52%5ROTCE121%21%14Q24 3Q24 4Q23 4Q24 3Q24 4Q23 Net interest income$23.5($0.1)($0.7)Noninterest reve

6、nue20.3 0.5 4.5 Managed revenueManaged revenue1 143.7 0.4 3.8 43.7 0.4 3.8 Expense22.8 0.2(1.7)Credit costs2.6(0.5)(0.1)Net income$14.0$1.1$4.7 Expense22.8 0.2(1.7)Credit costs2.6(0.5)(0.1)Net income$14.0$1.1$4.7 Net income applicable to common stockholders$13.7$1.1$4.8 EPS diluted$4.81$0.44$1.77 RO