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2012201120102009200820072006

$3.8

$4.1

$1.1

$4.8

$1.4

$5.7

$1.3

$6.0

$2.1

$6.4

$2.4

$6.8

$2.6

$1.0

17%

Net

income

CAGR

10%

Total

revenue

CAGR

ROE 18% 17% 20% 16% 26% 30% 28%

 Revenue  Net income

• Asset-BasedLendingandChase

EquipmentFinance—25%

and18%increaseinloans,

respectively

Firmwide contribution

• In2012,CommercialBanking

clientsaccountedfor:331%

ofNorthAmerica(NA)total

investmentbankingfees,32%

ofNAM&Afees,and34%

ofNAequityunderwritingfees

• $2.4billioninTreasuryServices

revenuein2012

• Over$110billioninassetsunder

managementfromCommercial

Bankingclients,generating$415

millioninInvestmentManage-

mentrevenue

• Morethan$180millioninGlobal

CommercialCardrevenuein2012

Performance highlights

• Thirdconsecutiveyearofrecord

earnings,revenueandgross

investmentbankingrevenue

• Grewend-of-periodloans14%

andaveragedeposits12%

• Generatedreturnonequityof

28%,exceedingtargetof20%

• Continuedtooutperform

peersincreditqualitywiththe

lowestnetcharge-oratioand

nonperformingloanratio1

Progress in key growth areas

• U.S.marketexpansion—Added

morethan250clientsin

expansionmarkets,contributing

49%ofrevenuegrowthfor

MiddleMarketBanking

• InvestmentBanking—Earned

grossrevenueof$1.6billion

• InternationalBanking—Achieved

double-digitgrowthinrevenue,

depositsandloans2

Business segment highlights

• MiddleMarketBanking—

Double-digitgrowthinbothloans

anddeposits;11consecutive

quartersofloanincreases;and

morethan900newclientsadded

• CorporateClientBanking—15%

increaseinrevenue;recordloans

andinvestmentbankingfees

• CommercialTermLending—

Recordoriginations:73%

increasein2012;improvement

increditquality

• RealEstateBanking—Record

originations:19%increasein2012;

double-digitdepositgrowth

• CommunityDevelopmentBanking

—Providednearly$900million

innewloansthatsupported

~9,500aordablehousingunitsin

theU.S.

Leadership positions

• #1largemiddlemarket

syndicatedlender4

• #1U.S.multifamilylender

since20085

• 89%customersatisfaction6

• Recognizedwith2012Greenwich

Associates’ExcellenceAwards

inTreasuryServicesproduct

capabilitiesandcustomerservice,

internationalserviceand

onlineservices

2012HIGHLIGHTSANDACCOMPLISHMENTS

Proven Business Model

Strongnancialresultsandconsistentgrowth($inbillions)

1PeeraveragesforratiosreectCommercial

Bankingequivalentsegmentsorwholesale

portfoliosatBankofAmerica,Comerica,

FifthThird,KeyCorp,PNC,U.S.Bancorpand

WellsFargo

2DenotesU.S.multinationalclientswith

overseasrevenue

3Calculatedbasedongrossdomestic

IBrevenueforsyndicatedandleveraged

nance,M&A,equityunderwritingand

bondunderwriting

4ThomsonReutersFY2012

5FederalDepositInsuranceCorporation

2008–YTD3Q12

62012ChaseRelationshipSurvey

CAGR=Compoundannualgrowthrate