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JPMorgan Chase (JPM) investor relations material
JPMorgan Chase The BancAnalysts Association of Boston Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.The BancAnalysts Association of Boston Conference summary6 Nov, 2025
Consumer health and credit trends
Consumers remain resilient with stable cash buffers and low delinquency rates across all income segments, with no material deterioration observed into the fourth quarter.
Spending trends have strengthened in discretionary categories, and confidence has improved since the second quarter.
Early delinquencies and payroll disruptions remain steady, indicating continued consumer stability.
Credit card and auto loan performance
Net charge-off guidance for the card portfolio was lowered from 3.6% to 3.3% for the year, driven by better-than-expected early delinquency and recovery trends.
Future guidance may trend slightly lower, depending on unemployment rates, with official forecasts forthcoming.
Auto loan originations are strong, with improving credit performance and minimal subprime exposure; earlier vintages with elevated losses are normalizing.
Deposit growth and market share strategy
Deposit inflection is delayed due to later-than-expected rate cuts and personal savings rate trends, but underlying drivers like customer and checking account growth remain strong.
The 15% market share ambition is unchanged, with growth focused on local markets and branch expansion, especially in areas with low current share.
Recent deposit outflows have moderated, and internal wealth management success may be impacting deposit growth.
How does AI drive new revenue streams?
Is wealth strategy hindering deposit growth?
What is the current P&L impact of new branches?
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Next JPMorgan Chase earnings date
Q4 202513 Jan, 2026
Next JPMorgan Chase earnings date
Q4 202513 Jan, 2026
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Frequently asked questions
One of the oldest and largest financial institutions in the world
JP Morgan Chase is a multinational investment bank and financial services company headquartered in New York City. The company was formed in 2000 through the merger of J.P. Morgan & Co. and Chase Manhattan Corporation.
The investment banking division
JPMorgan Chase generates a big part of its revenue through its investment banking services, which include advising on mergers and acquisitions, underwriting securities offerings, and managing assets for institutional and retail clients. The company's investment banking division is consistently ranked among the top performers in the industry, with JP Morgan Chase serving as a trusted advisor to some of the largest corporations in the world.
Retail services
JP Morgan Chase also operates a consumer banking division, offering a range of retail services such as checking and savings accounts, credit cards, mortgages, and auto loans. The company has a significant presence in the United States, with over 4,700 branches and 16,000 ATMs across the country.
Wealth management services to individuals and institutions
JP Morgan Chase's asset management division offers wealth management services to individuals and institutions. The company manages a wide range of assets, including equities, fixed income securities, and alternative investments. JP Morgan Chase's asset management division is one of the largest in the world, with over $3 trillion in assets under management.
JP Morgan Chase’s main competitors
JP Morgan Chase operates in a highly competitive financial services industry, with other public companies such as Bank of America, Wells Fargo, and Citigroup also offering similar services. JP Morgan Chase is known for its strong brand reputation and its focus on innovation, with the company investing heavily in technology to improve its services and stay ahead of the competition.
Interesting facts about JP Morgan Chase
JP Morgan Chase has a long history and a significant impact on the financial industry. The company's namesake, John Pierpont Morgan, was one of the most influential financiers in history, playing a pivotal role in the development of the modern financial system.
JP Morgan Chase has also been involved in some of the most significant financial transactions in history, including the financing of the construction of the Titanic and the merger of Exxon and Mobil.
The company is known for its corporate social responsibility initiatives, including investments in affordable housing and small business development.
JP Morgan Chase is also a significant employer, with over 250,000 employees worldwide. The company has been recognized for its commitment to diversity and inclusion, and its efforts to create a more equitable workplace.
Despite facing criticism over issues such as its role in the 2008 financial crisis and its ties to fossil fuel companies, JP Morgan Chase remains a leader in the financial services industry and continues to shape the future of finance through its innovative approach to technology and sustainability.
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