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Supplemental Information 19. Sources & Uses of Tier 1 Capital ($ in billions) Sources of Tier 1 Capital: Cash Operating Earnings Less Dividends $0.9$4.0.

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Presentation on theme: "Supplemental Information 19. Sources & Uses of Tier 1 Capital ($ in billions) Sources of Tier 1 Capital: Cash Operating Earnings Less Dividends $0.9$4.0."— Presentation transcript:

1 Supplemental Information 19

2 Sources & Uses of Tier 1 Capital ($ in billions) Sources of Tier 1 Capital: Cash Operating Earnings Less Dividends $0.9$4.0 Plus: Preferred/Non-recurring0.4(0.1) Less: Capital for Internal Growth(0.9)0.1 Free Tier 1 Capital0.44.0 Free Tier 1 Capital0.44.0 Uses of Tier 1 Capital: Increases (Decreases) in Capital Ratios0.9(0.1) Acquisitions 0.17.0 Uses of Tier 1 Capital: Increases (Decreases) in Capital Ratios0.9(0.1) Acquisitions 0.17.0 Net Repurchases(0.6)(2.9) Total$0.4$4.0 Total$0.4$4.0 TIER 1 RATIO8.7%*8.5% Sources of Tier 1 Capital: Cash Operating Earnings Less Dividends $0.9$4.0 Plus: Preferred/Non-recurring0.4(0.1) Less: Capital for Internal Growth(0.9)0.1 Free Tier 1 Capital0.44.0 Free Tier 1 Capital0.44.0 Uses of Tier 1 Capital: Increases (Decreases) in Capital Ratios0.9(0.1) Acquisitions 0.17.0 Uses of Tier 1 Capital: Increases (Decreases) in Capital Ratios0.9(0.1) Acquisitions 0.17.0 Net Repurchases(0.6)(2.9) Total$0.4$4.0 Total$0.4$4.0 TIER 1 RATIO8.7%*8.5% * Estimated 1Q01 1Q01 FY00 20

3 Common Shares Outstanding: 1Q01 4Q001924.882.32007.1 Changes first quarter 2001 due to: Changes first quarter 2001 due to: Stock Price Impact---14.214.2 Stock Price Impact---14.214.2 Restricted Stock and Options Impact41.8(30.9)10.9 Repurchases--------- 1Q011966.665.62032.2 1Q01 Period End Share Count1976.950.42027.3 4Q001924.882.32007.1 Changes first quarter 2001 due to: Changes first quarter 2001 due to: Stock Price Impact---14.214.2 Stock Price Impact---14.214.2 Restricted Stock and Options Impact41.8(30.9)10.9 Repurchases--------- 1Q011966.665.62032.2 1Q01 Period End Share Count1976.950.42027.3 (Shares in millions) Dilution Diluted Shares Basic Shares Average Shares 21

4 Operating Net Income ($ in millions) EPS (Diluted)$1.01$0.89$0.70$0.37$0.70 EPS (Diluted)$1.01$0.89$0.70$0.37$0.70 ROCE23.8%20.6%14.9%7.3%13.9% ROCE23.8%20.6%14.9%7.3%13.9% 22

5 Reported Net Income ($ in millions) EPS (Diluted)$1.01$0.83$0.69$0.34$0.58 EPS (Diluted)$1.01$0.83$0.69$0.34$0.58 ROCE23.8%19.1%14.6%6.8%11.6% ROCE23.8%19.1%14.6%6.8%11.6% 23

6 Total Operating Revenue ($ in millions) 24

7 Net Interest Income* ($ in millions) * Operating Basis $2,643 $2,742 $2,696 $2,781 Net Interest Margin2.00%1.84%1.82%1.82% 1.80% Adjusted for Securitization:2.19%2.04%2.01%1.99% 1.96% $2,703 25

8 Average Earning Asset Mix Commercial Loans117.922120.122115.824 Consumer Loans101.31895.31887.918 Securities72.81371.91373.115 Liquid Assets255.647253.247212.443 Total547.6100540.5100 489.2100 Total547.6100540.5100 489.2100 Commercial Loans117.922120.122115.824 Consumer Loans101.31895.31887.918 Securities72.81371.91373.115 Liquid Assets255.647253.247212.443 Total547.6100540.5100 489.2100 Total547.6100540.5100 489.2100 ($ in billions) $$$%% 1Q014Q001Q00 Net Interest Margin1.80%1.82%2.00% Adjusted for Securitization1.96%1.99%2.19% 26

9 Available-For-Sale (After-Tax) Securities($127)($244)$117 Loans000 Total($127)($244)$117 Securities($127)($244)$117 Loans000 Total($127)($244)$117 3/31/01 12/31/00  ($ in millions) 27

10 Noninterest Revenue* ($ in millions) *Operating basis; excludes special items 28

11 ProvisionsProvisions ($ in millions) Retained Net Charge-offs$333$335$323$409$447 Managed Net Charge-offs$587$577$559$747$688 29

12 Risk Profile Total Credit Card Loans Managed Portfolio 1992*$15.7 Bn5.59% NA% 1993*15.94.912.41 1994*17.34.302.47 1995*21.04.052.37 1996*23.74.872.38 199727.45.582.33 199832.06.022.16 199932.75.661.95 200033.35.082.18 2000**-1Q33.25.391.76 -2Q32.65.091.68 -3Q32.94.971.84 -4Q34.44.872.07 2001**-1Q36.45.051.99 1992*$15.7 Bn5.59% NA% 1993*15.94.912.41 1994*17.34.302.47 1995*21.04.052.37 1996*23.74.872.38 199727.45.582.33 199832.06.022.16 199932.75.661.95 200033.35.082.18 2000**-1Q33.25.391.76 -2Q32.65.091.68 -3Q32.94.971.84 -4Q34.44.872.07 2001**-1Q36.45.051.99 Average Loans Average Loss Ratio 90+ Days Delinquency Ratio * Does not include international card portfolio **Annualized 30

13 Risk Profile Total Credit Card Loans Managed Receivables: Average Loans ($Bn)$36.4$34.4$32.9$32.6$33.2 Net Chargeoffs ($MM) (2) 459419409415448 Loss Ratio (1) 5.05%4.87%4.97%5.09%5.39% Balance Sheet Receivables: Average Loans ($Bn)19.7$16.3$14.0$12.9$15.0 Net Chargeoffs ($MM) (2) 218174173173194 Loss Ratio (1) 4.4%4.27%4.99%5.36%5.17% Managed Receivables: Average Loans ($Bn)$36.4$34.4$32.9$32.6$33.2 Net Chargeoffs ($MM) (2) 459419409415448 Loss Ratio (1) 5.05%4.87%4.97%5.09%5.39% Balance Sheet Receivables: Average Loans ($Bn)19.7$16.3$14.0$12.9$15.0 Net Chargeoffs ($MM) (2) 218174173173194 Loss Ratio (1) 4.4%4.27%4.99%5.36%5.17% (1) Annualized (2) Excludes FFIEC reserve charge of $25mm in 4Q00 3Q002Q001Q001Q014Q00 31

14 Net Impact of Credit Card Securitizations Net Interest Income$(285)$(320)$(353)$(349)$(328) Fees,Commissions & Other Revenue446211710774 Total Revenue(241)(258)(236)(242)(254) Decrease in Provision for Possible Loan Losses241258236242254 Net Interest Income$(285)$(320)$(353)$(349)$(328) Fees,Commissions & Other Revenue446211710774 Total Revenue(241)(258)(236)(242)(254) Decrease in Provision for Possible Loan Losses241258236242254 2Q001Q003Q001Q004Q00 ($ in millions) 32

15 Risk Profile Domestic 1-4 Family Residential Mortgage Average Loans ($Bn)$51.9$49.7$48.9$46.4$44.5 Net Chargeoffs ($MM)*10107109 Loss Experience (%)**0.080.080.060.090.08 Average Loans ($Bn)$51.9$49.7$48.9$46.4$44.5 Net Chargeoffs ($MM)*10107109 Loss Experience (%)**0.080.080.060.090.08 1Q001Q014Q003Q002Q00 * Excludes FFIEC reserve charge of $35mm in 4Q00 ** Annualized 33

16 Risk Profile Auto Finance* Managed Receivables: Average Loans ($Bn)$25.6$24.7$23.9$23.6$24.1 Net Chargeoffs ($MM)***3330232626 Loss Ratio**0.52%0.49%0.38%0.44%0.43% Balance Sheet Receivables: Average Loans ($Bn)$23.2$22.8$22.1$21.3$21.4 Net Chargeoffs ($MM)***2926202221 Loss Ratio**0.50%0.46%0.36%0.41%0.39% Managed Receivables: Average Loans ($Bn)$25.6$24.7$23.9$23.6$24.1 Net Chargeoffs ($MM)***3330232626 Loss Ratio**0.52%0.49%0.38%0.44%0.43% Balance Sheet Receivables: Average Loans ($Bn)$23.2$22.8$22.1$21.3$21.4 Net Chargeoffs ($MM)***2926202221 Loss Ratio**0.50%0.46%0.36%0.41%0.39% * Includes loans and leasing ** Annualized ***Excludes FFEIC reserve charge of $30MM in 4Q00 1Q001Q014Q003Q002Q0034

17 Line of Business Results 35

18 Investment Bank Key Financial Measures* Revenue ($MM)$4,466$3,692$3,689$3,887$4,482 Cash Expense ($MM)2,6632,8342,4952,2902,531 Cash Earnings ($MM)1,0604988539521,179 Average Assets ($B)514.2489.7479.0471.2462.4 Cash ROCE22%10%19%24%29% Cash Overhead Ratio60%77%64%59%56% Revenue ($MM)$4,466$3,692$3,689$3,887$4,482 Cash Expense ($MM)2,6632,8342,4952,2902,531 Cash Earnings ($MM)1,0604988539521,179 Average Assets ($B)514.2489.7479.0471.2462.4 Cash ROCE22%10%19%24%29% Cash Overhead Ratio60%77%64%59%56% 4Q003Q002Q001Q011Q00 * operating basis 36

19 Investment Bank Key Financial Measures* Revenue ($MM)$4,466$3,692$3,976$4,224$4,811 Cash Expense ($MM)2,6632,8342,5782,5472,789 Cash Earnings ($MM)1,0604988701,0101,231 Average Assets ($B)514.2489.7483.5484.8475.9 Cash ROCE22%10%18%22%26% Cash Overhead Ratio60%77%65%60%58% Revenue ($MM)$4,466$3,692$3,976$4,224$4,811 Cash Expense ($MM)2,6632,8342,5782,5472,789 Cash Earnings ($MM)1,0604988701,0101,231 Average Assets ($B)514.2489.7483.5484.8475.9 Cash ROCE22%10%18%22%26% Cash Overhead Ratio60%77%65%60%58% 4Q003Q002Q001Q011Q00 * operating basis, pro-forma Flemings 37

20 Investment Management and Private Banking Key Financial Measures* Revenue ($MM)$807$907$886$750$806 Cash Expense ($MM)682716658545568 Cash Earnings ($MM)102128160133150 Average Assets ($B)35.234.734.128.025.7 Cash ROCE7%8%12%22%24% Cash Overhead Ratio85%79%74%73%70% Revenue ($MM)$807$907$886$750$806 Cash Expense ($MM)682716658545568 Cash Earnings ($MM)102128160133150 Average Assets ($B)35.234.734.128.025.7 Cash ROCE7%8%12%22%24% Cash Overhead Ratio85%79%74%73%70% 4Q003Q002Q001Q011Q00 * operating basis 38

21 Investment Management and Private Banking Key Financial Measures* Revenue ($MM)$807$907$945$927$1,050 Cash Expense ($MM)682716700670723 Cash Earnings ($MM)102128170166207 Average Assets ($B)35.234.735.833.134.4 Cash ROCE7%8%11%11%14% Cash Overhead Ratio85%79%74%72%69% Revenue ($MM)$807$907$945$927$1,050 Cash Expense ($MM)682716700670723 Cash Earnings ($MM)102128170166207 Average Assets ($B)35.234.735.833.134.4 Cash ROCE7%8%11%11%14% Cash Overhead Ratio85%79%74%72%69% 4Q003Q002Q001Q011Q00 * operating basis, pro-forma Flemings 39

22 Treasury and Securities Services Key Financial Measures* Revenue ($MM)$907$916$890$897$867 Cash Expense ($MM)630627597628621 Cash Earnings ($MM)177184186171157 Average Assets ($B)17.317.316.716.116.1 Cash ROCE25%25%26%24%21% Cash Overhead Ratio69%68%67%70%72% Revenue ($MM)$907$916$890$897$867 Cash Expense ($MM)630627597628621 Cash Earnings ($MM)177184186171157 Average Assets ($B)17.317.316.716.116.1 Cash ROCE25%25%26%24%21% Cash Overhead Ratio69%68%67%70%72% 4Q003Q002Q001Q011Q00 * operating basis 40

23 J.P. Morgan Partners Key Financial Measures* Revenue ($MM)$57$(140)$(76)$391$601 Cash Expense ($MM)958011375122 Cash Earnings ($MM)(22)(138)(118)204309 Average Assets ($B)13.213.013.813.413.1 Cash ROCENMNMNM11%17% Cash Overhead RatioNMNMNM19%20% Revenue ($MM)$57$(140)$(76)$391$601 Cash Expense ($MM)958011375122 Cash Earnings ($MM)(22)(138)(118)204309 Average Assets ($B)13.213.013.813.413.1 Cash ROCENMNMNM11%17% Cash Overhead RatioNMNMNM19%20% 4Q003Q002Q001Q011Q00 * operating basis 41

24 Retail & Middle Market Financial Services Key Financial Measures* Revenue ($MM)$2,565$2,568$2,595$2,516$2,400 Cash Expense ($MM)1,2941,3431,2861,2861,300 Cash Earnings ($MM)443446507451347 Average Assets ($B)157.3152.0148.2144.3141.3 Cash ROCE22%21%24%22%16% Cash Overhead Ratio50%52%50%51%54% Revenue ($MM)$2,565$2,568$2,595$2,516$2,400 Cash Expense ($MM)1,2941,3431,2861,2861,300 Cash Earnings ($MM)443446507451347 Average Assets ($B)157.3152.0148.2144.3141.3 Cash ROCE22%21%24%22%16% Cash Overhead Ratio50%52%50%51%54% 4Q003Q002Q001Q011Q00 * operating basis 42

25 Retail & Middle Market Financial Services Revenues Card Services$990$997$974$920$915 Regional Banking771784795787767 Home Finance344331352315323 Middle Markets281268280277274 Auto Finance11010610110714 Card Services$990$997$974$920$915 Regional Banking771784795787767 Home Finance344331352315323 Middle Markets281268280277274 Auto Finance11010610110714 4Q003Q002Q001Q011Q00 ($ in millions, operating basis) 43

26 Retail & Middle Market Financial Services Cash Earnings Card Services$117$148$146$126$94 Regional Banking139136157147143 Home Finance8374957168 Middle Markets7262746867 Auto Finance22222225(31) Card Services$117$148$146$126$94 Regional Banking139136157147143 Home Finance8374957168 Middle Markets7262746867 Auto Finance22222225(31) 4Q003Q002Q001Q011Q00 ($ in millions, operating basis) 44

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