JP Morgan Chase 2003 Annual Report Download - page 23

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Table of contents
Financial:
Managements discussion
and analysis:
22 Overview
25 Results of operations
27 Segment results
45 Risk and Capital management
46 Capital and Liquidity management
51 Credit risk management
66 M arket risk management
72 Operational risk management
74 Private equity risk management
74 Critical accounting estimates used by the
Firm
78 Accounting and reporting developments
80 Comparison betw een 2002 and 2001
Audited financial statements:
81 M anagement’s report on responsibility for
financial reporting
81 Report of independent auditors
82 Consolidated financial statements
86 Notes to consolidated financial statements
Supplementary information:
128 Selected quarterly financial data
129 Five-year summary of financial highlights
130 Glossary of terms
Corporate:
132 Community Advisory Board
133 Regional Advisory Board
134 National Advisory Board
135 JPM organ International Council
136 Board of Directors
136 Office of the Chairman
136 Executive Committee
136 Other corporate officers
137 Corporate data and shareholder
information
This section of the Annual Report provides
management’s discussion and analysis
(“ M D&A” ) of the financial condition and
results of operations for JPM organ Chase.
See Glossary of terms on pages 130 and 131
for a definition of terms used throughout
this Annual Report.
Certain forw ard-looking
statements
The M D&A contains certain forw ard-looking
statements. Those forw ard-looking state-
ments are subject to risks and uncertainties,
and JPM organ Chase’s actual results may
differ from those set forth in the forw ard-
looking statements. See JPM organ Chase’s
reports filed w ith the Securities and
Exchange Commission for a discussion of
factors that could cause JPM organ Chase’s
actual results to differ materially from those
described in the forw ard-looking statements.
J.P. Morgan Chase & Co. / 2003 Annual Report 21