1. Commercial Banking Presented by: Vidya Nallasivan, Rebecca Hunter, John Wooley, Nicholas Jones

2. Commercial Banking: Chase ●History ●What is commercial banking ●Profit Drivers ●Industry Trends VidyaJohnRebecca Nicholas

3. History VidyaJohnRebecca Nicholas 1996: Chemical Bank of New York acquires Chase Manhattan Bank 2000: Chase acquires J.P. Morgan & Co., becoming JPMorgan Chase 2004: JPMorgan Chase acquires Bank One, moves to New York

4. Chase Commercial Bank VidyaJohnRebecca Nicholas Client and community focus Middle market banking ($20M-50M) Corporate client banking $500M-2B)

5. What is Commercial Banking Investment Banking Asset Management Commercial BankComme rcial 2014

6. Commercial Banking Activities Your Money Loans Relationships VidyaJohnRebecca Nicholas

7. Value Drivers Commercial Banking Real Estate Loans Securities Deposits VidyaJohnRebecca Nicholas

8. Assets and Liabilities Assets Cash and Balances Securities Net Loans & Leases VidyaJohnRebecca Nicholas

9. Assets and Liabilities VidyaJohnRebecca Nicholas

10. Assets VidyaJohnRebecca Nicholas

11. Liabilities Deposits Borrowings Fed Funds Purchased VidyaJohnRebecca Nicholas

12. Liabilities VidyaJohnRebecca Nicholas

13. Liabilities VidyaJohnRebecca Nicholas

14. Liabilities VidyaJohnRebecca Nicholas

15. Net Income Net interest income Non-interest income Charge Offs and Allowance for loan lease losses (ALLL) VidyaJohnRebecca Nicholas

16. Net Income VidyaJohnRebecca Nicholas

17. Net Income VidyaJohnRebecca Nicholas

18. Snapshot Analysis: Tear Sheets VidyaJohnRebecca Nicholas

19. Current Industry Trends VidyaJohnRebecca Nicholas

20. Commercial Banking VidyaJohnRebecca Nicholas