摩根大通JPMorgan Chase & Co (JPM) 2015年年度报告「NYSE」.pdf

1、ANNUAL REPORT 2015Financial HighlightsAs of or for the year ended December 31,(in millions,except per share,ratio data and headcount)2015 2014Reported basis1Total net revenue$93,543$95,112Total noninterest expense 59,014 61,274Pre-provision profit 34,529 33,838Provision for credit losses 3,827 3,139

2、 Net income$24,442$21,745Per common share data Net income per share:Basic$6.05$5.33 Diluted 6.00 5.29Cash dividends declared 1.72 1.58Book value 60.46 56.98Tangible book value2 48.13 44.60Selected ratiosReturn on common equity 11%10%Return on tangible common equity2 13 13 Common equity Tier 1(“CET1”

3、)capital ratio3 11.6 10.2Tier 1 capital ratio3 13.3 11.4Total capital ratio3 14.7 12.7 Selected balance sheet data(period-end)Loans$837,299$757,336Total assets 2,351,698 2,572,274 Deposits 1,279,715 1,363,427Total stockholders equity 247,573 231,727Headcount 234,598 241,359Note:2014 has been revised

4、 to reflect the adoption of new accounting guidance related to debt issuance costs and investments in affordable housing projects.For additional information,see Accounting and Reporting Developments and Note 1 on pages 170 and 183,respectively.1 Results are presented in accordance with accounting pr

5、inciples generally accepted in the United States of America(U.S.GAAP),except where otherwise noted.2 Non-GAAP financial measure.For further discussion,see“Explanation and Reconciliation of the Firms Use Of Non-GAAP Financial Measures”on pages 8082.3 The ratios presented are calculated under the Base

6、l III Advanced Fully Phased-In Approach,which are non-GAAP financial measures.For further discussion,see“Regulatory capital”on pages 151155.Financial HighlightsJPMorgan Chase&Co.(NYSE:JPM)is a leading global financial services firm with assets of$2.4 trillion and operations worldwide.The firm is a l