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Bank Analyst Starter
JPMorgan’s Income, Credit & Capital
Practice the core workflow of a bank analyst using JPMorgan Chase’s FY2024 filing: revenue, net interest income, credit costs, capital and one-time items. Fiscal year ended December 31, 2024; USD millions unless stated; ratios at period end or full year as labeled. The Form 10-K and annual report were cross-checked. JPMorgan uses reported and managed bases; learners must retain the label. Credit and capital ratios have specific denominators. No valuation or investment recommendation is included.
What you will learn
- Explain why a bank income statement differs from an industrial company’s.
- Calculate revenue, margin and credit ratios with stated denominators.
- Separate net interest income from fees and markets revenue.
- Interpret provisions, charge-offs and reserves without conflation.
- Write a concise analyst note that isolates one-time items and uncertainty.