llamaindex.ipynb

{
 "cells": [
  {
   "cell_type": "code",
   "execution_count": 21,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "JPMORGAN CHASE & CO.\n",
      "CONSOLIDATED FINANCIAL HIGHLIGHTS\n",
      "(in millions, except per share and ratio data)\n",
      "QUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\n",
      "3Q23 Change 2023 Change\n",
      "SELECTED INCOME STATEMENT DATA 3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\n",
      "Reported Basis\n",
      "Total net revenue $ 39,874 $ 41,307 $ 38,349 $ 34,547 $ 32,716 (3)% 22 % $ 119,530 $ 94,148 27 %\n",
      "Total noninterest expense 21,757 20,822 20,107 19,022 19,178 4 13 62,686 57,118 10\n",
      "Pre-provision profit (a) 18,117 20,485 18,242 15,525 13,538 (12) 34 56,844 37,030 54\n",
      "Provision for credit losses 1,384 2,899 2,275 2,288 1,537 (52) (10) 6,558 4,101 60\n",
      "NET INCOME 13,151 14,472 12,622 11,008 9,737 (9) 35 40,245 26,668 51\n",
      "Managed Basis (b)\n",
      "Total net revenue 40,686 42,401 39,336 35,566 33,491 (4) 21 122,423 96,711 27\n",
      "Total noninterest expense 21,757 20,822 20,107 19,022 19,178 4 13 62,686 57,118 10\n",
      "Pre-provision profit (a) 18,929 21,579 19,229 16,544 14,313 (12) 32 59,737 39,593 51\n",
      "Provision for credit losses 1,384 2,899 2,275 2,288 1,537 (52) (10) 6,558 4,101 60\n",
      "NET INCOME 13,151 14,472 12,622 11,008 9,737 (9) 35 40,245 26,668 51\n",
      "EARNINGS PER SHARE DATA\n",
      "Net income: Basic $ 4.33 $ 4.76 $ 4.11 $ 3.58 $ 3.13 (9) 38 $ 13.20 $ 8.53 55\n",
      "Diluted 4.33 4.75 4.10 3.57 3.12 (9) 39 13.18 8.51 55\n",
      "Average shares: Basic 2,927.5 2,943.8 2,968.5 2,962.9 2,961.2 (1) (1) 2,946.6 2,966.8 (1)\n",
      "Diluted 2,932.1 2,948.3 2,972.7 2,967.1 2,965.4 (1) (1) 2,951.0 2,970.9 (1)\n",
      "MARKET AND PER COMMON SHARE DATA\n",
      "Market capitalization $ 419,254 $ 422,661 $ 380,803 $ 393,484 $ 306,520 (1) 37 $ 419,254 $ 306,520 37\n",
      "Common shares at period-end 2,891.0 2,906.1 2,922.3 2,934.3 2,933.2 (1) (1) 2,891.0 2,933.2 (1)\n",
      "Book value per share 100.30 98.11 94.34 90.29 87.00 2 15 100.30 87.00 15\n",
      "Tangible book value per share (“TBVPS”) (a) 82.04 79.90 76.69 73.12 69.90 3 17 82.04 69.90 17\n",
      "Cash dividends declared per share 1.05 1.00 1.00 1.00 1.00 5 5 3.05 3.00 2\n",
      "FINANCIAL RATIOS (c)\n",
      "Return on common equity (“ROE”) 18 % 20 % 18 % 16 % 15 % 19 % 14 %\n",
      "Return on tangible common equity (“ROTCE”) (a) 22 25 23 20 18 23 17\n",
      "Return on assets 1.36 1.51 1.38 1.16 1.01 1.42 0.92\n",
      "CAPITAL RATIOS (d)\n",
      "Common equity Tier 1 (“CET1”) capital ratio 14.3 % (e) 13.8 % 13.8 % 13.2 % 12.5 % 14.3 % (e) 12.5 %\n",
      "Tier 1 capital ratio 15.9 (e) 15.4 15.4 14.9 14.1 15.9 (e) 14.1\n",
      "Total capital ratio 17.8 (e) 17.3 17.4 16.8 16.0 17.8 (e) 16.0\n",
      "Tier 1 leverage ratio 7.1 (e) 6.9 6.9 6.6 6.2 7.1 (e) 6.2\n",
      "Supplementary leverage ratio (“SLR”) 6.0 (e) 5.8 5.9 5.6 5.3 6.0 (e) 5.3\n",
      "On May 1, 2023, JPMorgan Chase acquired certain assets and assumed certain liabilities of First Republic Bank (the “First Republic acquisition\") from the Federal Deposit Insurance Corporation (“FDIC”). Refer to page 30 for additional information.\n",
      "(a) Pre-provision profit, TBVPS and ROTCE are each non-GAAP financial measures. Tangible common equity (“TCE”) is also a non-GAAP financial measure; refer to page 10 for a reconciliation of common stockholders’ equity to TCE. Refer to page 29 for further discussion of these\n",
      "measures.\n",
      "(b) Refer to Reconciliation from Reported to Managed Basis on page 7 for further discussion of managed basis.\n",
      "(c) Ratios are based upon annualized amounts.\n",
      "(d) The capital metrics reflect the Current Expected Credit Losses (\"CECL\") capital transition provisions. Beginning January 1, 2022, the $2.9 billion CECL capital benefit is being phased out at 25% per year over a three-year period. As of September 30, 2023, June 30, 2023 and\n",
      "March 31, 2023, CET1 capital reflected the remaining $1.4 billion CECL benefit; as of December 31, 2022 and September 30, 2022 CET1 capital reflected a $2.2 billion benefit. Refer to Capital Risk Management on pages 48-53 of the Firm’s Quarterly Report on Form 10-Q for the\n",
      "quarterly period ended June 30, 2023, and pages 86-96 of the Firm’s 2022 Form 10-K for additional information.\n",
      "(e) Estimated.\n",
      "Page 2\n"
     ]
    }
   ],
   "source": [
    "### we will use lama index and create a simple RAG system to test the application for our PDF data.\n",
    "import os\n",
    "import sys\n",
    "import PyPDF2 as pdf\n",
    "import os\n",
    "\n",
    "os.environ['OPENAI_API_KEY'] = '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'\n",
    "\n",
    "### we will use the env file to store the API key and use it in the application.\n",
    "#os.environ['OPENAI_API_KEY'] = os.getenv('OPENAI_KEY')\n",
    "\n",
    "path = 'dataset/data1.pdf'\n",
    "reader = pdf.PdfReader(path)\n",
    "\n",
    "data = reader.pages[2].extract_text()\n",
    "print(data)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 23,
   "metadata": {},
   "outputs": [],
   "source": [
    "from llama_index.core import SimpleDirectoryReader, VectorStoreIndex\n",
    "\n",
    "# Create a reader for the directory\n",
    "reader = SimpleDirectoryReader(input_files=[\"dataset/data1.pdf\"])\n",
    "data = reader.load_data()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 24,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "[Document(id_='8e5a767b-5eab-4be0-a98b-ed8b089df8c0', embedding=None, metadata={'page_label': '1', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='EARNINGS RELEASE FINANCIAL SUPPLEMENT\\nTHIRD QUARTER 2023', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='f02659fd-a56d-43b3-b16d-93b7c69ca659', embedding=None, metadata={'page_label': '2', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nTABLE OF CONTENTS\\nPage(s)\\nConsolidated Results\\nConsolidated Financial Highlights 2–3\\nConsolidated Statements of Income 4\\nConsolidated Balance Sheets 5\\nCondensed Average Balance Sheets and Annualized Yields 6\\nReconciliation from Reported to Managed Basis 7\\nSegment Results - Managed Basis 8\\nCapital and Other Selected Balance Sheet Items 9–10\\nEarnings Per Share and Related Information 11\\nBusiness Segment Results\\nConsumer & Community Banking (“CCB”) 12–15\\nCorporate & Investment Bank (“CIB”) 16–18\\nCommercial Banking (“CB”) 19–20\\nAsset & Wealth Management (“AWM”) 21–23\\nCorporate 24\\nCredit-Related Information 25–28\\nNon-GAAP Financial Measures 29\\nSupplemental Information on First Republic 30\\nGlossary of Terms and Acronyms (a)\\n(a) Refer to the Glossary of Terms and Acronyms on pages 297–303 of JPMorgan Chase & Co.’s (the “Firm’s”) Annual Report on Form 10-K for the year ended December 31, 2022 (the “2022 Form 10-K”).', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='24b7a7e7-f502-4839-9001-dbb58b0d6060', embedding=None, metadata={'page_label': '3', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCONSOLIDATED FINANCIAL HIGHLIGHTS\\n(in millions, except per share and ratio data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\nSELECTED INCOME STATEMENT DATA 3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nReported Basis\\nTotal net revenue $ 39,874 $ 41,307 $ 38,349 $ 34,547 $ 32,716 (3)% 22 % $ 119,530 $ 94,148 27 %\\nTotal noninterest expense 21,757 20,822 20,107 19,022 19,178 4 13 62,686 57,118 10\\nPre-provision profit (a) 18,117 20,485 18,242 15,525 13,538 (12) 34 56,844 37,030 54\\nProvision for credit losses 1,384 2,899 2,275 2,288 1,537 (52) (10) 6,558 4,101 60\\nNET INCOME 13,151 14,472 12,622 11,008 9,737 (9) 35 40,245 26,668 51\\nManaged Basis (b)\\nTotal net revenue 40,686 42,401 39,336 35,566 33,491 (4) 21 122,423 96,711 27\\nTotal noninterest expense 21,757 20,822 20,107 19,022 19,178 4 13 62,686 57,118 10\\nPre-provision profit (a) 18,929 21,579 19,229 16,544 14,313 (12) 32 59,737 39,593 51\\nProvision for credit losses 1,384 2,899 2,275 2,288 1,537 (52) (10) 6,558 4,101 60\\nNET INCOME 13,151 14,472 12,622 11,008 9,737 (9) 35 40,245 26,668 51\\nEARNINGS PER SHARE DATA\\nNet income: Basic $ 4.33 $ 4.76 $ 4.11 $ 3.58 $ 3.13 (9) 38 $ 13.20 $ 8.53 55\\nDiluted 4.33 4.75 4.10 3.57 3.12 (9) 39 13.18 8.51 55\\nAverage shares: Basic 2,927.5 2,943.8 2,968.5 2,962.9 2,961.2 (1) (1) 2,946.6 2,966.8 (1)\\nDiluted 2,932.1 2,948.3 2,972.7 2,967.1 2,965.4 (1) (1) 2,951.0 2,970.9 (1)\\nMARKET AND PER COMMON SHARE DATA\\nMarket capitalization $ 419,254 $ 422,661 $ 380,803 $ 393,484 $ 306,520 (1) 37 $ 419,254 $ 306,520 37\\nCommon shares at period-end 2,891.0 2,906.1 2,922.3 2,934.3 2,933.2 (1) (1) 2,891.0 2,933.2 (1)\\nBook value per share 100.30 98.11 94.34 90.29 87.00 2 15 100.30 87.00 15\\nTangible book value per share (“TBVPS”) (a) 82.04 79.90 76.69 73.12 69.90 3 17 82.04 69.90 17\\nCash dividends declared per share 1.05 1.00 1.00 1.00 1.00 5 5 3.05 3.00 2\\nFINANCIAL RATIOS (c)\\nReturn on common equity (“ROE”) 18 % 20 % 18 % 16 % 15 % 19 % 14 %\\nReturn on tangible common equity (“ROTCE”) (a) 22 25 23 20 18 23 17\\nReturn on assets 1.36 1.51 1.38 1.16 1.01 1.42 0.92\\nCAPITAL RATIOS (d)\\nCommon equity Tier 1 (“CET1”) capital ratio 14.3 % (e) 13.8 % 13.8 % 13.2 % 12.5 % 14.3 % (e) 12.5 %\\nTier 1 capital ratio 15.9 (e) 15.4 15.4 14.9 14.1 15.9 (e) 14.1\\nTotal capital ratio 17.8 (e) 17.3 17.4 16.8 16.0 17.8 (e) 16.0\\nTier 1 leverage ratio 7.1 (e) 6.9 6.9 6.6 6.2 7.1 (e) 6.2\\nSupplementary leverage ratio (“SLR”) 6.0 (e) 5.8 5.9 5.6 5.3 6.0 (e) 5.3\\nOn May 1, 2023, JPMorgan Chase acquired certain assets and assumed certain liabilities of First Republic Bank (the “First Republic acquisition\") from the Federal Deposit Insurance Corporation (“FDIC”). Refer to page 30 for additional information.\\n(a) Pre-provision profit, TBVPS and ROTCE are each non-GAAP financial measures. Tangible common equity (“TCE”) is also a non-GAAP financial measure; refer to page 10 for a reconciliation of common stockholders’ equity to TCE. Refer to page 29 for further discussion of these\\nmeasures.\\n(b) Refer to Reconciliation from Reported to Managed Basis on page 7 for further discussion of managed basis.\\n(c) Ratios are based upon annualized amounts.\\n(d) The capital metrics reflect the Current Expected Credit Losses (\"CECL\") capital transition provisions. Beginning January 1, 2022, the $2.9 billion CECL capital benefit is being phased out at 25% per year over a three-year period. As of September 30, 2023, June 30, 2023 and\\nMarch 31, 2023, CET1 capital reflected the remaining $1.4 billion CECL benefit; as of December 31, 2022 and September 30, 2022 CET1 capital reflected a $2.2 billion benefit. Refer to Capital Risk Management on pages 48-53 of the Firm’s Quarterly Report on Form 10-Q for the\\nquarterly period ended June 30, 2023, and pages 86-96 of the Firm’s 2022 Form 10-K for additional information.\\n(e) Estimated.\\nPage 2', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='3f812b81-dacf-4572-88a8-fec29ea015aa', embedding=None, metadata={'page_label': '4', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCONSOLIDATED FINANCIAL HIGHLIGHTS, CONTINUED\\n(in millions, except ratios, headcount and where otherwise noted)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nSELECTED BALANCE SHEET DATA (period-end)\\nTotal assets $3,898,333 $3,868,240 $3,744,305 $3,665,743 $3,773,884 1 % 3 % $3,898,333 $3,773,884 3 %\\nLoans:\\nConsumer, excluding credit card loans 408,769 408,204 311,433 311,375 313,796 — 30 408,769 313,796 30\\nCredit card loans 196,935 191,348 180,079 185,175 170,462 3 16 196,935 170,462 16\\nWholesale loans 704,355 700,517 637,384 639,097 628,375 1 12 704,355 628,375 12\\nTotal loans 1,310,059 1,300,069 1,128,896 1,135,647 1,112,6331 181,310,059 1,112,63318\\nDeposits:\\nU.S. offices:\\nNoninterest-bearing 651,240 656,778 663,772 644,902 688,292 (1) (5) 651,240 688,292 (5)\\nInterest-bearing 1,295,609 1,311,893 1,290,614 1,276,346 1,304,012 (1) (1) 1,295,609 1,304,012 (1)\\nNon-U.S. offices:\\nNoninterest-bearing 22,410 24,268 25,071 27,005 26,629 (8) (16) 22,410 26,629 (16)\\nInterest-bearing 410,267 406,023 397,796 391,926 389,682 1 5 410,267 389,682 5\\nTotal deposits 2,379,526 2,398,962 2,377,253 2,340,179 2,408,615(1) (1)2,379,526 2,408,615(1)\\nLong-term debt 362,793 (e) 364,078 (e) 295,489 295,865 287,473 — 26 362,793 (e) 287,473 26\\nCommon stockholders’ equity 289,967 285,112 275,678 264,928 255,180 2 14 289,967 255,180 14\\nTotal stockholders’ equity 317,371 312,516 303,082 292,332 288,018 2 10 317,371 288,018 10\\nLoans-to-deposits ratio 55 % 54 % 47 % 49 % 46 % 55 % 46 %\\nHeadcount 308,669 (f) 300,066 296,877 293,723 288,474 3 7 308,669 (f) 288,474 7\\n95% CONFIDENCE LEVEL - TOTAL VaR\\nAverage VaR (a) $ 41 $ 47 $ 47 $ 61 $ 54 (13) (24)\\nLINE OF BUSINESS NET REVENUE (b)\\nConsumer & Community Banking $ 18,362 $ 17,233 $ 16,456 $ 15,793 (h) $ 14,281 (h) 7 29 $ 52,051 $ 39,021 (h) 33\\nCorporate & Investment Bank 11,730 12,519 13,600 10,598 (h) 11,925 (h) (6) (2) 37,849 37,504 (h) 1\\nCommercial Banking 4,031 3,988 3,511 3,404 3,048 1 32 11,530 8,129 42\\nAsset & Wealth Management 5,005 4,943 4,784 4,588 4,539 1 10 14,732 13,160 12\\nCorporate 1,558 3,718 985 1,183 (302) (58) NM 6,261 (1,103) NM\\nTOTAL NET REVENUE $ 40,686 $ 42,401 $ 39,336 $ 35,566 $ 33,491(4) 21$ 122,423 $ 96,71127\\nLINE OF BUSINESS NET INCOME/(LOSS)\\nConsumer & Community Banking $ 5,895 $ 5,306 $ 5,243 $ 4,556 $ 4,344 11 36 $ 16,444 $ 10,360 59\\nCorporate & Investment Bank 3,092 4,092 4,421 3,314 3,522 (24) (12) 11,605 11,611 —\\nCommercial Banking 1,935 1,208 1,347 1,423 946 60 105 4,490 2,790 61\\nAsset & Wealth Management 1,417 1,226 1,367 1,134 1,219 16 16 4,010 3,231 24\\nCorporate 812 2,640 244 581 (294) (69) NM 3,696 (1,324) NM\\nNET INCOME $ 13,151 $ 14,472 $ 12,622 $ 11,008 $ 9,737(9) 35$ 40,245 $ 26,66851\\nMEMO: SELECTED FIRMWIDE METRICS\\nWealth Management (c)\\nClient assets (in billions) $ 2,929 (g) $ 2,862 (g) $ 2,594 $ 2,438 $ 2,302 2 27 $ 2,929 (g) $ 2,302 27\\nNumber of client advisors 8,867 8,367 8,314 8,166 8,127 6 9 8,867 8,127 9\\nJ.P.Morgan Payments (d)\\nTotal net revenue 4,504 4,729 4,458 4,423 3,762 (5) 20 13,691 9,487 44\\nMerchant processing volume (in billions) 610.1 600.1 558.8 583.2 545.4 2 12 1,769.0 1,575.2 12\\nAverage deposits (in billions) 702 720 707 732 748 (3) (6) 710 794 (11)\\nOn May 1, 2023, JPMorgan Chase acquired certain assets and assumed certain liabilities of First Republic Bank from the FDIC. Refer to page 30 for additional information.\\n(a) Refer to Corporate & Investment Bank VaR on page 18 for further information.\\n(b) Refer to Reconciliation from Reported to Managed Basis on page 7 for a further discussion of managed basis.\\n(c) Consists of Global Private Bank in AWM and client investment assets in J.P.Morgan Wealth Management in CCB.\\n(d) Predominantly in CIB and CB. Total net revenue includes certain revenues that are reported as investment banking product revenue in CB, excludes the net impact of equity investments.\\n(e) Included a five-year $50 billion Purchase Money Note issued to the FDIC, as well as Federal Home Loan Bank (“FHLB”) advances associated with the First Republic acquisition.\\n(f) Includes 4,774 individuals associated with First Republic who became employees effective July 2, 2023.\\n(g) At September 30, 2023 and June 30, 2023, included $140.6 billion and $150.9 billion of client investment assets associated with First Republic, respectively.\\n(h) In the first quarter of 2023, the allocations of revenue and expense to CCB associated with a Merchant Services revenue sharing agreement were discontinued and are now retained in Payments in CIB. Prior-period amounts have been revised to conform with the current\\npresentation.\\nPage 3', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='0cce2199-1a99-4f79-8cef-132de494ece9', embedding=None, metadata={'page_label': '5', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCONSOLIDATED STATEMENTS OF INCOME\\n(in millions, except per share and ratio data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\nREVENUE 3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nInvestment banking fees $ 1,722 $ 1,513 $ 1,649 $ 1,418 $ 1,674 14 % 3 % $ 4,884 $ 5,268 (7)%\\nPrincipal transactions 6,210 6,910 7,615 4,434 5,383 (10) 15 20,735 15,478 34\\nLending- and deposit-related fees 2,039 1,828 1,620 1,655 1,731 12 18 5,487 5,443 1\\nAsset management fees 3,904 3,774 3,465 3,432 3,495 3 12 11,143 10,664 4\\nCommissions and other fees 1,705 1,739 1,695 1,574 1,574 (2) 8 5,139 5,007 3\\nInvestment securities losses (669) (900) (868) (874) (959) 26 30 (2,437) (1,506) (62)\\nMortgage fees and related income 414 278 221 98 314 49 32 913 1,152 (21)\\nCard income 1,209 1,094 1,234 1,226 1,086 11 11 3,537 3,194 11\\nOther income 614 3,292 1,007 1,392 900 (81) (32) 4,913 2,930 68\\nNoninterest revenue 17,148 19,528 17,638 14,355 15,198(12) 1354,314 47,63014\\nInterest income 44,556 41,644 37,004 33,054 25,611 7 74 123,204 59,753 106\\nInterest expense 21,830 19,865 16,293 12,862 8,093 10 170 57,988 13,235 338\\nNet interest income 22,726 21,779 20,711 20,192 17,5184 3065,216 46,51840\\nTOTAL NET REVENUE 39,874 41,307 38,349 34,547 32,716(3) 22119,530 94,14827\\nProvision for credit losses 1,384 2,899 2,275 2,288 1,537 (52) (10) 6,558 4,101 60\\nNONINTEREST EXPENSE\\nCompensation expense 11,726 11,216 11,676 10,009 10,539 5 11 34,618 31,627 9\\nOccupancy expense 1,197 1,070 1,115 1,271 1,162 12 3 3,382 3,425 (1)\\nTechnology, communications and equipment expense 2,386 2,267 2,184 2,256 2,366 5 1 6,837 7,102 (4)\\nProfessional and outside services 2,620 2,561 2,448 2,652 2,481 2 6 7,629 7,522 1\\nMarketing 1,126 1,122 1,045 1,093 1,017 — 11 3,293 2,818 17\\nOther expense (a) 2,702 2,586 1,639 1,741 1,613 4 68 6,927 4,624 50\\nTOTAL NONINTEREST EXPENSE 21,757 20,822 20,107 19,022 19,1784 1362,686 57,11810\\nIncome before income tax expense 16,733 17,586 15,967 13,237 12,001(5) 3950,286 32,92953\\nIncome tax expense 3,582 3,114 (d) 3,345 2,229 2,264 15 58 10,041 (d) 6,261 60\\nNET INCOME $ 13,151 $ 14,472 $ 12,622 $ 11,008 $ 9,737(9) 35$ 40,245 $ 26,66851\\nNET INCOME PER COMMON SHARE DATA\\nBasic earnings per share $ 4.33 $ 4.76 $ 4.11 $ 3.58 $ 3.13 (9) 38 $ 13.20 $ 8.53 55\\nDiluted earnings per share 4.33 4.75 4.10 3.57 3.12 (9) 39 13.18 8.51 55\\nFINANCIAL RATIOS\\nReturn on common equity (b) 18 % 20 % 18 % 16 % 15 % 19 % 14 %\\nReturn on tangible common equity (b)(c) 22 25 23 20 18 23 17\\nReturn on assets (b) 1.36 1.51 1.38 1.16 1.01 1.42 0.92\\nEffective income tax rate 21.4 17.7 (d) 20.9 16.8 18.9 20.0 19.0\\nOverhead ratio 55 50 52 55 59 52 61\\nOn May 1, 2023, JPMorgan Chase acquired certain assets and assumed certain liabilities of First Republic Bank from the FDIC. Refer to page 30 for additional information.\\n(a) Included Firmwide legal expense of $665 million, $420 million, $176 million, $27 million and $47 million for the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, respectively, and $1,261 million and $239\\nmillion for the nine months ended September 30, 2023 and September 30, 2022 respectively.\\n(b) Ratios are based upon annualized amounts.\\n(c) Refer to page 29 for further discussion of ROTCE.\\n(d) Income taxes associated with the First Republic acquisition are reflected in the estimated bargain purchase gain, resulting in a reduction in the Firm’s effective tax rate of 3.4 percentage points in the second quarter of 2023.\\nPage 4', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='301c95f2-3db4-4524-b1c9-d5117bf51deb', embedding=None, metadata={'page_label': '6', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCONSOLIDATED BALANCE SHEETS\\n(in millions)\\nSep 30, 2023\\nChange\\nSep 30, Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Sep 30,\\n2023 2023 2023 2022 2022 2023 2022\\nASSETS\\nCash and due from banks $ 24,921 $ 26,064 $ 25,098 $ 27,697 $ 24,654 (4)% 1 %\\nDeposits with banks 486,448 469,059 520,902 539,537 619,533 4 (21)\\nFederal funds sold and securities purchased under\\nresale agreements 350,059 325,628 317,111 315,592 301,878 8 16\\nSecurities borrowed 188,279 163,563 195,917 185,369 193,216 15 (3)\\nTrading assets:\\nDebt and equity instruments 534,923 572,779 519,618 382,919 413,953 (7) 29\\nDerivative receivables 67,070 64,217 59,274 70,880 92,534 4 (28)\\nAvailable-for-sale (“AFS”) securities 197,119 203,262 197,248 205,857 188,140 (3) 5\\nHeld-to-maturity (”HTM”) securities 388,261 408,941 412,827 425,305 430,106 (5) (10)\\nInvestment securities, net of allowance for credit losses 585,380 612,203 610,075 631,162 618,246 (4) (5)\\nLoans 1,310,059 1,300,069 1,128,896 1,135,647 1,112,633 1 18\\nLess: Allowance for loan losses 21,946 (a) 21,980 (a) 20,053 19,726 18,185 — 21\\nLoans, net of allowance for loan losses 1,288,113 1,278,089 1,108,843 1,115,921 1,094,448 1 18\\nAccrued interest and accounts receivable 127,752 111,561 115,316 125,189 143,905 15 (11)\\nPremises and equipment 29,677 29,493 28,266 27,734 27,199 1 9\\nGoodwill, MSRs and other intangible assets 64,910 64,238 62,090 60,859 60,806 1 7\\nOther assets 150,801 151,346 181,795 182,884 183,512 — (18)\\nTOTAL ASSETS $ 3,898,333 $ 3,868,240 $ 3,744,305 $ 3,665,743 $ 3,773,8841 3\\nLIABILITIES\\nDeposits $ 2,379,526 $ 2,398,962 $ 2,377,253 $ 2,340,179 $ 2,408,615 (1) (1)\\nFederal funds purchased and securities loaned or sold\\nunder repurchase agreements 268,750 266,272 246,396 202,613 239,939 1 12\\nShort-term borrowings 45,470 41,022 42,241 44,027 47,866 11 (5)\\nTrading liabilities:\\nDebt and equity instruments 165,494 132,264 145,153 126,835 133,175 25 24\\nDerivative payables 41,963 46,545 44,711 51,141 56,703 (10) (26)\\nAccounts payable and other liabilities 292,070 286,934 275,077 300,141 300,016 2 (3)\\nBeneficial interests issued by consolidated VIEs 24,896 19,647 14,903 12,610 12,079 27 106\\nLong-term debt 362,793 (b) 364,078 (b) 295,489 295,865 287,473 — 26\\nTOTAL LIABILITIES 3,580,962 3,555,724 3,441,223 3,373,411 3,485,8661 3\\nSTOCKHOLDERS’ EQUITY\\nPreferred stock 27,404 27,404 27,404 27,404 32,838 — (17)\\nCommon stock 4,105 4,105 4,105 4,105 4,105 — —\\nAdditional paid-in capital 89,899 89,578 89,155 89,044 88,865 — 1\\nRetained earnings 327,044 317,359 306,208 296,456 288,776 3 13\\nAccumulated other comprehensive income/(loss) (“AOCI”) (17,104) (14,290) (14,418) (17,341) (19,134) (20) 11\\nTreasury stock, at cost (113,977) (111,640) (109,372) (107,336) (107,432) (2) (6)\\nTOTAL STOCKHOLDERS’ EQUITY 317,371 312,516 303,082 292,332 288,0182 10\\nTOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 3,898,333 $ 3,868,240 $ 3,744,305 $ 3,665,743 $ 3,773,8841 3\\nOn May 1, 2023, JPMorgan Chase acquired certain assets and assumed certain liabilities of First Republic Bank from the FDIC. Refer to page 30 for additional information.\\n(a) Includes an addition to the allowance for loan losses of $1.1 billion associated with the First Republic acquisition.\\n(b) Includes a five-year $50 billion Purchase Money Note issued to the FDIC, as well as FHLB advances associated with the First Republic acquisition.\\nPage 5', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='c4c17bbb-94a2-482a-a338-85e5bdbaf522', embedding=None, metadata={'page_label': '7', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCONDENSED AVERAGE BALANCE SHEETS AND ANNUALIZED YIELDS\\n(in millions, except rates)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\nAVERAGE BALANCES 3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nASSETS\\nDeposits with banks $ 456,954 $ 495,018 $ 505,662 $ 595,631 $ 652,321 (8)% (30)% $ 485,700 $ 696,096 (30)%\\nFederal funds sold and securities purchased under resale agreements 309,848 326,563 313,187 306,173 322,053 (5) (4) 316,520 307,478 3\\nSecurities borrowed 188,279 191,393 192,843 192,412 204,479 (2) (8) 190,822 209,932 (9)\\nTrading assets - debt instruments 383,576 391,945 357,682 302,825 283,414 (2) 35 377,829 276,464 37\\nInvestment securities 606,593 611,552 622,050 625,388 647,165 (1) (6) 613,342 663,622 (8)\\nLoans 1,306,322 1,238,237 1,129,624 1,126,002 1,112,761 5 17 1,225,375 1,091,663 12\\nAll other interest-earning assets (a) 80,156 89,072 95,709 116,640 122,756 (10) (35) 88,255 132,135 (33)\\nTotal interest-earning assets 3,331,728 3,343,780 3,216,757 3,265,071 3,344,949— —3,297,843 3,377,390(2)\\nTrading assets - equity and other instruments 173,998 169,558 152,081 126,138 129,221 3 35 165,292 145,712 13\\nTrading assets - derivative receivables 66,972 63,339 64,526 78,476 83,950 6 (20) 64,955 78,650 (17)\\nAll other noninterest-earning assets 267,079 274,711 276,613 285,586 284,127 (3) (6) 272,766 284,904 (4)\\nTOTAL ASSETS $ 3,839,777 $ 3,851,388 $ 3,709,977 $ 3,755,271 $ 3,842,247— —$ 3,800,856 $ 3,886,656(2)\\nLIABILITIES\\nInterest-bearing deposits $ 1,694,758 $ 1,715,699 $ 1,670,036 $ 1,695,233 $ 1,728,852 (1) (2) $ 1,693,588 $ 1,766,672 (4)\\nFederal funds purchased and securities loaned or\\nsold under repurchase agreements 254,105 263,718 252,310 247,934 239,582 (4) 6 256,717 241,019 7\\nShort-term borrowings (b) 37,837 35,335 38,763 39,843 45,797 7 (17) 37,308 48,159 (23)\\nTrading liabilities - debt and all other interest-bearing liabilities (c) 288,007 293,269 277,576 256,533 278,049 (2) 4 286,324 271,891 5\\nBeneficial interests issued by consolidated VIEs 21,890 15,947 13,483 12,312 11,039 37 98 17,137 10,836 58\\nLong-term debt 315,267 294,239 249,336 246,978 253,012 7 25 286,522 251,125 14\\nTotal interest-bearing liabilities 2,611,864 2,618,207 2,501,504 2,498,833 2,556,331— 22,577,596 2,589,702—\\nNoninterest-bearing deposits 660,983 671,715 650,443 684,921 716,518 (2) (8) 661,086 730,816 (10)\\nTrading liabilities - equity and other instruments 29,508 28,513 29,769 35,415 36,985 3 (20) 29,262 40,415 (28)\\nTrading liabilities - derivative payables 46,754 46,934 49,357 56,988 56,994 — (18) 47,672 57,523 (17)\\nAll other noninterest-bearing liabilities 178,466 180,730 180,303 191,929 189,637 (1) (6) 179,826 183,988 (2)\\nTOTAL LIABILITIES 3,527,575 3,546,099 3,411,376 3,468,086 3,556,465(1) (1)3,495,442 3,602,444(3)\\nPreferred stock 27,404 27,404 27,404 28,415 32,838 — (17) 27,404 33,065 (17)\\nCommon stockholders’ equity 284,798 277,885 271,197 258,770 252,944 2 13 278,010 251,147 11\\nTOTAL STOCKHOLDERS’ EQUITY 312,202 305,289 298,601 287,185 285,7822 9305,414 284,2127\\nTOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 3,839,777 $ 3,851,388 $ 3,709,977 $ 3,755,271 $ 3,842,247— —$ 3,800,856 $ 3,886,656(2)\\nAVERAGE RATES (d)\\nINTEREST-EARNING ASSETS\\nDeposits with banks 4.58 % 4.20 % 3.87 % 3.14 % 1.83 % 4.21 % 0.83 %\\nFederal funds sold and securities purchased under resale agreements 5.06 4.63 4.06 2.95 1.74 4.58 1.02\\nSecurities borrowed 4.39 3.91 3.61 2.84 1.50 3.97 0.55\\nTrading assets - debt instruments 4.32 4.12 4.15 3.75 3.36 4.20 3.01\\nInvestment securities 3.23 3.01 2.79 2.36 1.84 3.01 1.59\\nLoans 6.79 6.59 6.37 5.83 5.00 6.60 4.45\\nAll other interest-earning assets (a) 9.42 8.85 7.50 5.76 3.57 8.54 2.09\\nTotal interest-earning assets 5.32 5.01 4.68 4.03 3.05 5.01 2.38\\nINTEREST-BEARING LIABILITIES\\nInterest-bearing deposits 2.53 2.24 1.85 1.37 0.73 2.21 0.32\\nFederal funds purchased and securities loaned or\\nsold under repurchase agreements 5.50 5.17 4.51 3.15 1.98 5.07 0.97\\nShort-term borrowings (b) 5.38 4.87 4.40 3.60 1.98 4.88 1.07\\nTrading liabilities - debt and all other interest-bearing liabilities (c) 3.39 3.25 2.88 2.38 1.49 3.18 0.84\\nBeneficial interests issued by consolidated VIEs 5.38 4.95 4.43 3.74 2.24 5.00 1.36\\nLong-term debt 5.33 5.28 5.39 4.87 3.77 5.33 2.68\\nTotal interest-bearing liabilities 3.32 3.04 2.64 2.04 1.26 3.01 0.68\\nINTEREST RATE SPREAD 2.00 1.97 2.04 1.99 1.79 2.00 1.70\\nNET YIELD ON INTEREST-EARNING ASSETS 2.72 2.62 2.63 2.47 2.09 2.66 1.85\\nMemo: Net yield on interest-earning assets excluding Markets (e) 3.89 3.83 3.80 3.41 2.81 3.84 2.34\\n(a) Includes brokerage-related held-for-investment customer receivables, which are classified in accrued interest and accounts receivable, and all other interest-earning assets, which are classified in other assets, on the Consolidated Balance Sheets.\\n(b) Includes commercial paper.\\n(c) All other interest-bearing liabilities include brokerage-related customer payables.\\n(d) Interest includes the effect of related hedging derivatives. Taxable-equivalent amounts are used where applicable.\\n(e) Net yield on interest-earning assets excluding Markets is a non-GAAP financial measure. Refer to page 29 for further discussion of this measure.\\nPage 6', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='f9b02be5-2068-4b68-92b1-e188ab5a1653', embedding=None, metadata={'page_label': '8', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nRECONCILIATION FROM REPORTED TO MANAGED BASIS\\n(in millions, except ratios)\\nThe Firm prepares its Consolidated Financial Statements using accounting principles generally accepted in the U.S. (“U.S. GAAP”). That presentation, which is referred to as “reported” basis, provides the reader with an understanding of the Firm’s results that can be tracked\\nconsistently from year-to-year and enables a comparison of the Firm’s performance with other companies’ U.S. GAAP financial statements. In addition to analyzing the Firm’s results on a reported basis, management reviews Firmwide results, including the overhead ratio, on a\\n“managed” basis; these Firmwide managed basis results are non-GAAP financial measures. The Firm also reviews the results of the lines of business on a managed basis. Refer to the notes on Non-GAAP Financial Measures on page 29 for additional information on\\nmanaged basis.\\nThe following summary table provides a reconciliation from reported U.S. GAAP results to managed basis.\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nOTHER INCOME\\nOther income - reported $ 614 $ 3,292 $ 1,007 $ 1,392 $ 900 (81)% (32)% $ 4,913 $ 2,930 68 %\\nFully taxable-equivalent adjustments (a) 682 990 867 898 663 (31) 3 2,539 2,250 13\\nOther income - managed $ 1,296 $ 4,282 $ 1,874 $ 2,290 $ 1,563(70) (17)$ 7,452 $ 5,18044\\nTOTAL NONINTEREST REVENUE\\nTotal noninterest revenue - reported $ 17,148 $ 19,528 $ 17,638 $ 14,355 $ 15,198 (12) 13 $ 54,314 $ 47,630 14\\nFully taxable-equivalent adjustments 682 990 867 898 663 (31) 3 2,539 2,250 13\\nTotal noninterest revenue - managed $ 17,830 $ 20,518 $ 18,505 $ 15,253 $ 15,861(13) 12$ 56,853 $ 49,88014\\nNET INTEREST INCOME\\nNet interest income - reported $ 22,726 $ 21,779 $ 20,711 $ 20,192 $ 17,518 4 30 $ 65,216 $ 46,518 40\\nFully taxable-equivalent adjustments (a) 130 104 120 121 112 25 16 354 313 13\\nNet interest income - managed $ 22,856 $ 21,883 $ 20,831 $ 20,313 $ 17,6304 30$ 65,570 $ 46,83140\\nTOTAL NET REVENUE\\nTotal net revenue - reported $ 39,874 $ 41,307 $ 38,349 $ 34,547 $ 32,716 (3) 22 $ 119,530 $ 94,148 27\\nFully taxable-equivalent adjustments 812 1,094 987 1,019 775 (26) 5 2,893 2,563 13\\nTotal net revenue - managed $ 40,686 $ 42,401 $ 39,336 $ 35,566 $ 33,491(4) 21$ 122,423 $ 96,71127\\nPRE-PROVISION PROFIT\\nPre-provision profit - reported $ 18,117 $ 20,485 $ 18,242 $ 15,525 $ 13,538 (12) 34 $ 56,844 $ 37,030 54\\nFully taxable-equivalent adjustments 812 1,094 987 1,019 775 (26) 5 2,893 2,563 13\\nPre-provision profit - managed $ 18,929 $ 21,579 $ 19,229 $ 16,544 $ 14,313(12) 32$ 59,737 $ 39,59351\\nINCOME BEFORE INCOME TAX EXPENSE\\nIncome before income tax expense - reported$ 16,733 $ 17,586 $ 15,967 $ 13,237 $ 12,001 (5) 39 $ 50,286 $ 32,929 53\\nFully taxable-equivalent adjustments 812 1,094 987 1,019 775 (26) 5 2,893 2,563 13\\nIncome before income tax expense - managed $ 17,545 $ 18,680 $ 16,954 $ 14,256 $ 12,776(6) 37$ 53,179 $ 35,49250\\nINCOME TAX EXPENSE\\nIncome tax expense - reported $ 3,582 $ 3,114 $ 3,345 $ 2,229 $ 2,264 15 58 $ 10,041 $ 6,261 60\\nFully taxable-equivalent adjustments 812 1,094 987 1,019 775 (26) 5 2,893 2,563 13\\nIncome tax expense - managed $ 4,394 $ 4,208 $ 4,332 $ 3,248 $ 3,0394 45$ 12,934 $ 8,82447\\nOVERHEAD RATIO\\nOverhead ratio - reported 55%50%52%55%59% 52%61%\\nOverhead ratio - managed 53 49 51 53 57 51 59\\n(a) Predominantly recognized in CIB, CB and Corporate.\\nPage 7', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='aee1fd5f-c094-4a7c-badf-f20038bbfc2b', embedding=None, metadata={'page_label': '9', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nSEGMENT RESULTS - MANAGED BASIS\\n(in millions)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nTOTAL NET REVENUE (fully taxable-equivalent (“FTE”))\\nConsumer & Community Banking $ 18,362 $ 17,233 $ 16,456 $ 15,793 (a) $ 14,281 (a) 7 % 29 % $ 52,051 $ 39,021 (a) 33 %\\nCorporate & Investment Bank 11,730 12,519 13,600 10,598 (a) 11,925 (a) (6) (2) 37,849 37,504 (a) 1\\nCommercial Banking 4,031 3,988 3,511 3,404 3,048 1 32 11,530 8,129 42\\nAsset & Wealth Management 5,005 4,943 4,784 4,588 4,539 1 10 14,732 13,160 12\\nCorporate 1,558 3,718 985 1,183 (302) (58) NM 6,261 (1,103) NM\\nTOTAL NET REVENUE $ 40,686 $ 42,401 $ 39,336 $ 35,566 $ 33,491(4) 21$ 122,423 $ 96,71127\\nTOTAL NONINTEREST EXPENSE\\nConsumer & Community Banking $ 9,105 $ 8,313 $ 8,065 $ 7,912 (a) $ 7,983 (a) 10 14 $ 25,483 $ 23,296 (a) 9\\nCorporate & Investment Bank 7,443 6,894 7,483 6,495 (a) 6,682 (a) 8 11 21,820 20,855 (a) 5\\nCommercial Banking 1,375 1,300 1,308 1,254 1,180 6 17 3,983 3,465 15\\nAsset & Wealth Management 3,138 3,163 3,091 3,022 3,028 (1) 4 9,392 8,807 7\\nCorporate 696 1,152 160 339 305 (40) 128 2,008 695 189\\nTOTAL NONINTEREST EXPENSE $ 21,757 $ 20,822 $ 20,107 $ 19,022 $ 19,1784 13$ 62,686 $ 57,11810\\nPRE-PROVISION PROFIT/(LOSS)\\nConsumer & Community Banking $ 9,257 $ 8,920 $ 8,391 $ 7,881 $ 6,298 4 47 $ 26,568 $ 15,725 69\\nCorporate & Investment Bank 4,287 5,625 6,117 4,103 5,243 (24) (18) 16,029 16,649 (4)\\nCommercial Banking 2,656 2,688 2,203 2,150 1,868 (1) 42 7,547 4,664 62\\nAsset & Wealth Management 1,867 1,780 1,693 1,566 1,511 5 24 5,340 4,353 23\\nCorporate 862 2,566 825 844 (607) (66) NM 4,253 (1,798) NM\\nPRE-PROVISION PROFIT $ 18,929 $ 21,579 $ 19,229 $ 16,544 $ 14,313(12) 32$ 59,737 $ 39,59351\\nPROVISION FOR CREDIT LOSSES\\nConsumer & Community Banking $ 1,446 $ 1,862 $ 1,402 $ 1,845 $ 529 (22) 173 $ 4,710 $ 1,968 139\\nCorporate & Investment Bank (185) 38 58 141 513 NM NM (89) 1,017 NM\\nCommercial Banking 90 1,097 417 284 618 (92) (85) 1,604 984 63\\nAsset & Wealth Management (13) 145 28 32 (102) NM 87 160 96 67\\nCorporate 46 (243) 370 (14) (21) NM NM 173 36 381\\nPROVISION FOR CREDIT LOSSES $ 1,384 $ 2,899 $ 2,275 $ 2,288 $ 1,537(52) (10)$ 6,558 $ 4,10160\\nNET INCOME/(LOSS)\\nConsumer & Community Banking $ 5,895 $ 5,306 $ 5,243 $ 4,556 $ 4,344 11 36 $ 16,444 $ 10,360 59\\nCorporate & Investment Bank 3,092 4,092 4,421 3,314 3,522 (24) (12) 11,605 11,611 —\\nCommercial Banking 1,935 1,208 1,347 1,423 946 60 105 4,490 2,790 61\\nAsset & Wealth Management 1,417 1,226 1,367 1,134 1,219 16 16 4,010 3,231 24\\nCorporate 812 2,640 244 581 (294) (69) NM 3,696 (1,324) NM\\nTOTAL NET INCOME $ 13,151 $ 14,472 $ 12,622 $ 11,008 $ 9,737(9) 35$ 40,245 $ 26,66851\\n(a) In the first quarter of 2023, the allocations of revenue and expense to CCB associated with a Merchant Services revenue sharing agreement were discontinued and are now retained in Payments in CIB. Prior-period amounts have been revised to conform with the current\\npresentation.\\nPage 8', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='73cc8894-4b6f-4def-b145-950cde30bf18', embedding=None, metadata={'page_label': '10', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCAPITAL AND OTHER SELECTED BALANCE SHEET ITEMS\\n(in millions, except ratio data)\\nSep 30, 2023\\nChange NINE MONTHS ENDED SEPTEMBER 30,\\nSep 30, Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Sep 30, 2023 Change\\n2023 2023 2023 2022 2022 2023 2022 2023 2022 2022\\nCAPITAL (a)\\nRisk-based capital metrics\\nStandardized\\nCET1 capital $ 241,825 (c) $ 235,827 $ 227,144 $ 218,934 $ 209,661 3 % 15 %\\nTier 1 capital 268,573 (c) 262,585 253,837 245,631 236,363 2 14\\nTotal capital 300,855 (c) 295,281 286,398 277,769 268,076 2 12\\nRisk-weighted assets 1,693,420 (c) 1,706,927 1,647,363 1,653,538 1,678,498 (1) 1\\nCET1 capital ratio 14.3 % (c) 13.8 % 13.8 % 13.2 % 12.5 %\\nTier 1 capital ratio 15.9 (c) 15.4 15.4 14.9 14.1\\nTotal capital ratio 17.8 (c) 17.3 17.4 16.8 16.0\\nAdvanced\\nCET1 capital $ 241,825 (c) $ 235,827 $ 227,144 $ 218,934 $ 209,661 3 15\\nTier 1 capital 268,573 (c) 262,585 253,837 245,631 236,363 2 14\\nTotal capital 287,548 (c) 281,953 273,122 264,583 256,157 2 12\\nRisk-weighted assets 1,671,770 (c) 1,694,714 1,633,774 1,609,773 1,609,968 (1) 4\\nCET1 capital ratio 14.5 % (c) 13.9 % 13.9 % 13.6 % 13.0 %\\nTier 1 capital ratio 16.1 (c) 15.5 15.5 15.3 14.7\\nTotal capital ratio 17.2 (c) 16.6 16.7 16.4 15.9\\nLeverage-based capital metrics\\nAdjusted average assets (b) $3,785,634 (c) $3,796,579 $3,656,598 $3,703,873 $3,791,804 — —\\nTier 1 leverage ratio 7.1 % (c) 6.9 % 6.9 % 6.6 % 6.2 %\\nTotal leverage exposure $4,498,879 (c) $4,492,761 $4,327,863 $4,367,092 $4,460,636 — 1\\nSLR 6.0 % (c) 5.8 % 5.9 % 5.6 % 5.3 %\\nTotal Loss-Absorbing Capacity (“TLAC”)\\nEligible external TLAC $ 496,174 (c) $ 493,760 $ 488,245 $ 486,044 $ 473,241 — 5\\nMEMO: CET1 CAPITAL ROLLFORWARD\\nStandardized/Advanced CET1 capital, beginning balance $ 235,827 $ 227,144 $ 218,934 $ 209,661 $ 207,436 4 14 $ 218,934 $ 213,942 2 %\\nNet income applicable to common equity 12,765 14,099 12,266 10,652 9,305 (9) 37 39,130 25,429 54\\nDividends declared on common stock (3,080) (2,948) (2,963) (2,972) (2,974) (4) (4) (8,991) (8,921) (1)\\nNet purchase of treasury stock (2,337) (2,268) (2,036) 96 58 (3) NM (6,641) (2,017) (229)\\nChanges in additional paid-in capital 321 423 111 179 251 (24) 28 855 450 90\\nChanges related to AOCI applicable to capital:\\nUnrealized gains/(losses) on investment securities (1,950) 757 2,212 1,865 (2,145) NM 9 1,019 (13,629) NM\\nTranslation adjustments, net of hedges (340) 70 197 711 (581) NM 41 (73) (1,322) 94\\nFair value hedges (5) 11 (21) (101) 38 NM NM (15) 199 NM\\nDefined benefit pension and other postretirement employee\\nbenefit plans (21) (6) (55) (324) (1,004) (250) 98 (82) (917) 91\\nChanges related to other CET1 capital adjustments 645 (c) (1,455) (1,501) (833) (723) NM NM (2,311) (c) (3,553) 35\\nChange in Standardized/Advanced CET1 capital 5,998 (c) 8,683 8,210 9,273 2,225 (31) 170 22,891 (c) (4,281) NM\\nStandardized/Advanced CET1 capital, ending balance$ 241,825 (c) $ 235,827 $ 227,144 $ 218,934 $ 209,661 3 15 $ 241,825 (c) $ 209,661 15\\n(a) The capital metrics reflect the CECL capital transition provisions. Beginning January 1, 2022, the $2.9 billion CECL capital benefit is being phased out at 25% per year over a three-year period. As of September 30, 2023, June 30, 2023 and March 31, 2023, CET1 capital reflected\\nthe remaining $1.4 billion CECL benefit; as of December 31, 2022 and September 30, 2022, CET1 capital reflected a $2.2 billion benefit. Refer to Capital Risk Management on pages 48-53 of the Firm’s Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2023\\nand pages 86-96 of the Firm’s 2022 Form 10-K for additional information.\\n(b) Adjusted average assets, for purposes of calculating the leverage ratios, includes quarterly average assets adjusted for on-balance sheet assets that are subject to deduction from Tier 1 capital, predominantly goodwill, inclusive of estimated equity method goodwill, and other\\nintangible assets.\\n(c) Estimated.\\nPage 9', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='7babdac6-1da2-4a73-b5a8-a5b6ca542758', embedding=None, metadata={'page_label': '11', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCAPITAL AND OTHER SELECTED BALANCE SHEET ITEMS, CONTINUED\\n(in millions, except ratio data)\\nSep 30, 2023\\nChange NINE MONTHS ENDED SEPTEMBER 30,\\nSep 30, Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Sep 30, 2023 Change\\n2023 2023 2023 2022 2022 2023 2022 2023 2022 2022\\nTANGIBLE COMMON EQUITY (period-end) (a)\\nCommon stockholders’ equity $ 289,967 $ 285,112 $ 275,678 $ 264,928 $ 255,180 2 % 14 %\\nLess: Goodwill 52,492 52,380 52,144 51,662 51,461 — 2\\nLess: Other intangible assets 3,309 3,629 2,191 1,224 1,205 (9) 175\\nAdd: Certain deferred tax liabilities (b) 3,025 3,097 2,754 2,510 2,509 (2) 21\\nTotal tangible common equity $ 237,191 $ 232,200 $ 224,097 $ 214,552 $ 205,0232 16\\nTANGIBLE COMMON EQUITY (average) (a)\\nCommon stockholders’ equity $ 284,798 $ 277,885 $ 271,197 $ 258,770 $ 252,944 2 13 $ 278,010 $ 251,147 11 %\\nLess: Goodwill 52,427 52,342 51,716 51,586 51,323 — 2 52,164 50,739 3\\nLess: Other intangible assets 3,511 2,191 1,296 1,217 1,208 60 191 2,342 1,076 118\\nAdd: Certain deferred tax liabilities (b) 3,080 2,902 2,549 2,508 2,512 6 23 2,846 2,504 14\\nTotal tangible common equity $ 231,940 $ 226,254 $ 220,734 $ 208,475 $ 202,9253 14$ 226,350 $ 201,83612\\nINTANGIBLE ASSETS (period-end)\\nGoodwill $ 52,492 $ 52,380 $ 52,144 $ 51,662 $ 51,461 — 2\\nMortgage servicing rights 9,109 8,229 7,755 7,973 8,140 11 12\\nOther intangible assets 3,309 3,629 2,191 1,224 1,205 (9) 175\\nTotal intangible assets $ 64,910 $ 64,238 $ 62,090 $ 60,859 $ 60,8061 7\\n(a) Refer to page 29 for further discussion of TCE.\\n(b) Represents deferred tax liabilities related to tax-deductible goodwill and to identifiable intangibles created in nontaxable transactions, which are netted against goodwill and other intangibles when calculating TCE.\\nPage 10', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='e7b110c2-6bb5-44b8-bdb6-1701a61ba64b', embedding=None, metadata={'page_label': '12', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nEARNINGS PER SHARE AND RELATED INFORMATION\\n(in millions, except per share and ratio data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nEARNINGS PER SHARE\\nBasic earnings per share\\nNet income $ 13,151 $ 14,472 $ 12,622 $ 11,008 $ 9,737 (9)% 35 % $ 40,245 $ 26,668 51 %\\nLess: Preferred stock dividends 386 373 356 356 432 3 (11) 1,115 1,239 (10)\\nNet income applicable to common equity 12,765 14,099 12,266 10,652 9,305(9) 3739,130 25,42954\\nLess: Dividends and undistributed earnings allocated to\\nparticipating securities 80 88 73 54 50 (9) 60 241 134 80\\nNet income applicable to common stockholders $ 12,685 $ 14,011 $ 12,193 $ 10,598 $ 9,255(9) 37$ 38,889 $ 25,29554\\nTotal weighted-average basic shares outstanding 2,927.5 2,943.8 2,968.5 2,962.9 2,961.2 (1) (1) 2,946.6 2,966.8 (1)\\nNet income per share $ 4.33 $ 4.76 $ 4.11 $ 3.58 $ 3.13(9) 38$ 13.20 $ 8.5355\\nDiluted earnings per share\\nNet income applicable to common stockholders$ 12,685 $ 14,011 $ 12,193 $ 10,598 $ 9,255 (9) 37 $ 38,889 $ 25,295 54\\nTotal weighted-average basic shares outstanding 2,927.5 2,943.8 2,968.5 2,962.9 2,961.2 (1) (1) 2,946.6 2,966.8 (1)\\nAdd: Dilutive impact of unvested performance share units\\n(“PSUs”), nondividend-earning restricted stock units\\n(“RSUs”) and stock appreciation rights (“SARs”) 4.6 4.5 4.2 4.2 4.2 2 10 4.4 4.1 7\\nTotal weighted-average diluted shares outstanding 2,932.1 2,948.3 2,972.7 2,967.1 2,965.4(1) (1)2,951.0 2,970.9(1)\\nNet income per share $ 4.33 $ 4.75 $ 4.10 $ 3.57 $ 3.12(9) 39$ 13.18 $ 8.5155\\nCOMMON DIVIDENDS\\nCash dividends declared per share $ 1.05 (c) $ 1.00 $ 1.00 $ 1.00 $ 1.00 5 5 $ 3.05 $ 3.00 2\\nDividend payout ratio 24 % 21 % 24 % 28 % 32 % 23 % 35 %\\nCOMMON SHARE REPURCHASE PROGRAM (a)\\nTotal shares of common stock repurchased 15.6 16.7 22.0 — — (7) NM 54.3 23.1 135\\nAverage price paid per share of common stock $ 151.46 $ 137.20 $ 133.67 $ — $ — 10 NM $ 139.87 $ 135.20 3\\nAggregate repurchases of common stock 2,364 2,293 2,940 — — 3 NM 7,597 3,122 143\\nEMPLOYEE ISSUANCE\\nShares issued from treasury stock related to employee\\nstock-based compensation awards and employee stock\\npurchase plans 0.6 0.5 10.0 1.2 0.6 20 — 11.1 12.1 (8)\\nNet impact of employee issuances on stockholders’ equity (b) $ 368 $ 467 $ 1,028 $ 273 $ 304 (21) 21 $ 1,863 $ 1,545 21\\n(a) The Firm is authorized to purchase up to $30 billion of common shares under its current repurchase program. In the second half of 2022, as a result of the expected increases in regulatory capital requirements, the Firm temporarily suspended share repurchases. In the first quarter\\nof 2023, the Firm resumed repurchasing shares under its common share repurchase program.\\n(b) The net impact of employee issuances on stockholders’ equity is driven by the cost of equity compensation awards that is recognized over the applicable vesting periods. The cost is partially offset by tax impacts related to the distribution of shares and the exercise of SARs.\\n(c) On September 19, 2023, the Board of Directors declared a quarterly common stock dividend of $1.05 per share.\\nPage 11', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='682c1c8c-3112-4062-abd2-87f5c2417d05', embedding=None, metadata={'page_label': '13', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCONSUMER & COMMUNITY BANKING\\nFINANCIAL HIGHLIGHTS\\n(in millions, except ratio data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nINCOME STATEMENT\\nREVENUE\\nLending- and deposit-related fees $ 836 $ 841 $ 823 $ 834 $ 822 (1)% 2 % $ 2,500 $ 2,482 1 %\\nAsset management fees 891 (d) 816 (d) 676 662 662 9 35 2,383 (d) 2,072 15\\nMortgage fees and related income 417 274 223 90 313 52 33 914 1,146 (20)\\nCard income 626 483 739 694 (f) 613 (f) 30 2 1,848 1,775 (f) 4\\nAll other income (a) 1,212 (d) 1,129 (d) 1,162 1,189 (f) 1,302 (f) 7 (7) 3,503 (d) 3,942 (f) (11)\\nNoninterest revenue 3,982 3,543 3,623 3,469 3,71212 711,148 11,417(2)\\nNet interest income 14,380 (d) 13,690 (d) 12,833 12,324 10,569 5 36 40,903 (d) 27,604 48\\nTOTAL NET REVENUE 18,362 17,233 16,456 15,793 14,2817 2952,051 39,02133\\nProvision for credit losses 1,446 (d) 1,862 (d) 1,402 1,845 529 (22) 173 4,710 (d) 1,968 139\\nNONINTEREST EXPENSE\\nCompensation expense 3,975 3,628 3,545 3,339 3,345 10 19 11,148 9,753 14\\nNoncompensation expense (b) 5,130 4,685 4,520 4,573 (f) 4,638 (f) 9 11 14,335 13,543 (f) 6\\nTOTAL NONINTEREST EXPENSE 9,105(d)8,313(d)8,065 7,912 7,98310 1425,483(d)23,2969\\nIncome before income tax expense 7,811 7,058 6,989 6,036 5,76911 3521,858 13,75759\\nIncome tax expense 1,916 1,752 1,746 1,480 (f) 1,425 (f) 9 34 5,414 3,397 (f) 59\\nNET INCOME $ 5,895 $ 5,306 $ 5,243 $ 4,556 $ 4,34411 36$ 16,444 $ 10,36059\\nREVENUE BY LINE OF BUSINESS\\nBanking & Wealth Management $ 11,345 (e) $ 10,936 (e) $ 10,041 $ 9,582 (f) $ 7,960 (f) 4 43 $ 32,322 (e) $ 20,477 (f) 58\\nHome Lending 1,252 (e) 1,007 (e) 720 584 920 24 36 2,979 (e) 3,090 (4)\\nCard Services & Auto 5,765 5,290 5,695 5,627 5,401 9 7 16,750 15,454 8\\nMORTGAGE FEES AND RELATED INCOME DETAILS\\nProduction revenue 162 102 75 43 93 59 74 339 454 (25)\\nNet mortgage servicing revenue (c) 255 172 148 47 220 48 16 575 692 (17)\\nMortgage fees and related income $ 417 $ 274 $ 223 $ 90 $ 31352 33$ 914 $ 1,146(20)\\nFINANCIAL RATIOS\\nROE 41 % 38 % 40 % 35 % 34 % (f) 40 % 27 %\\nOverhead ratio 50 48 49 50 56 49 60\\n(a) Primarily includes operating lease income and commissions and other fees. For the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, operating lease income was $685 million, $704 million, $741 million,\\n$777 million and $854 million, respectively, and $2.1 billion and $2.8 billion for the nine months ended September 30, 2023 and 2022 , respectively.\\n(b) Included depreciation expense on leased assets of $458 million, $445 million, $407 million, $463 million and $605 million for the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, respectively, and $1.3\\nbillion and $2.0 billion for the nine months ended September 30, 2023 and 2022, respectively.\\n(c) Included MSR risk management results of $111 million, $25 million, $(12) million, $(98) million and $54 million for the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and Septem ber 30, 2022, respectively, and $124 million and\\n$191 million for the nine months ended September 30, 2023 and 2022 , respectively.\\n(d) Includes First Republic. Refer to page 30 for additional information.\\n(e) Banking & Wealth Management and Home Lending included revenue associated with First Republic of $1.0 billion and $351 million, respectively, for the three months ended September 30, 2023, $596 million and $235 million, respectively, for the three months ended June 30,\\n2023, and $1.6 billion and $586 million, respectively, for the nine months ended September 30, 2023.\\n(f) In the first quarter of 2023, the allocations of revenue and expense to CCB associated with a Merchant Services revenue sharing agreement were discontinued and are now retained in Payments in CIB. Prior-period amounts have been revised to conform with the current\\npresentation.\\nPage 12', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='deaef65a-c1ff-4b94-9c1a-143f9a58324d', embedding=None, metadata={'page_label': '14', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCONSUMER & COMMUNITY BANKING\\nFINANCIAL HIGHLIGHTS, CONTINUED\\n(in millions, except headcount data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nSELECTED BALANCE SHEET DATA (period-end)\\nTotal assets $ 626,196 $ 620,193 $ 506,382 $ 514,085 $ 500,752 1 % 25 % $ 626,196 $ 500,752 25 %\\nLoans:\\nBanking & Wealth Management (a) 30,574 (d) 30,959 (d) 28,038 29,008 30,230 (1) 1 30,574 (d) 30,230 1\\nHome Lending (b) 261,858 (d) 262,432 (d) 172,058 172,554 174,618 — 50 261,858 (d) 174,618 50\\nCard Services 196,955 191,353 180,079 185,175 170,462 3 16 196,955 170,462 16\\nAuto 74,831 73,587 69,556 68,191 67,201 2 11 74,831 67,201 11\\nTotal loans 564,218 558,331 449,731 454,928 442,5111 28564,218 442,51128\\nDeposits 1,136,884 (e) 1,173,514 (e) 1,147,474 1,131,611 1,173,241 (3) (3) 1,136,884 (e) 1,173,241 (3)\\nEquity 55,500 55,500 52,000 50,000 50,000 — 11 55,500 50,000 11\\nSELECTED BALANCE SHEET DATA (average)\\nTotal assets $ 622,760 $ 576,417 $ 506,775 $ 504,859 $ 498,858 8 25 $ 569,076 $ 494,704 15\\nLoans:\\nBanking & Wealth Management 30,686 (f) 30,628 (f) 28,504 29,412 30,788 — — 29,947 (f) 32,264 (7)\\nHome Lending (c) 264,041 (f) 229,569 (f) 172,124 174,487 176,852 15 49 222,248 (f) 176,891 26\\nCard Services 195,245 187,028 180,451 177,026 168,125 4 16 187,629 158,721 18\\nAuto 74,358 71,083 68,744 67,623 66,979 5 11 71,416 68,258 5\\nTotal loans 564,330 518,308 449,823 448,548 442,7449 27511,240 436,13417\\nDeposits 1,143,539 (g) 1,157,309 (g) 1,112,967 1,142,523 1,174,227 (1) (3) 1,138,050 (g) 1,169,474 (3)\\nEquity 55,500 54,346 52,000 50,000 50,000 2 11 53,962 50,000 8\\nHeadcount 141,125 137,087 135,983 135,347 133,803 3 5 141,125 133,803 5\\n(a) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022 included $129 million, $163 million, $205 million, $350 million and $791 million of loans, respectively, in Business Banking under the Paycheck Protection Program (“PPP”).\\nRefer to pages 108-109 of the Firm’s 2022 Form 10-K for further information on the PPP.\\n(b) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, Home Lending loans held-for-sale and loans at fair value were $4.1 billion, $3.9 billion, $4.2 billion, $3.0 billion and $4.1 billion, respectively.\\n(c) Average Home Lending loans held-for sale and loans at fair value were $5.7 billion, $5.3 billion, $3.5 billion, $4.5 billion and $5.9 billion for the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, respectively,\\nand $4.8 billion and $8.3 billion for the nine months ended September 30, 2023 and 2022, respectively.\\n(d) At September 30, 2023, included $3.1 billion and $91.2 billion for Banking & Wealth Management and Home Lending, respectively, and $3.4 billion and $91.3 billion at June 30, 2023, respectively, associated with First Republic.\\n(e) Includes First Republic. Refer to page 30 for additional information.\\n(f) Average Banking & Wealth Management and Home Lending loans associated with First Republic were $3.2 billion and $91.1 billion, respectively, for the three months ended September 30, 2023, $2.7 billion and $57.2 billion, respectively, for the three months ended June 30,\\n2023, and $2.0 billion and $49.8 billion, respectively, for the nine months ended September 30, 2023.\\n(g) Average deposits associated with First Republic were $66.7 billion and $47.2 billion for the three months ended September 30, 2023 and June 30, 2023, respectively, and $38.2 billion for the nine months ended September 30, 2023.\\nPage 13', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='ecb93a5d-5f04-4f1c-b7a6-aa21b32b5ad8', embedding=None, metadata={'page_label': '15', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCONSUMER & COMMUNITY BANKING\\nFINANCIAL HIGHLIGHTS, CONTINUED\\n(in millions, except ratio data) QUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nCREDIT DATA AND QUALITY STATISTICS\\nNonaccrual loans (a)(b) $ 3,690 $ 3,823 $ 3,835 $ 3,899 $ 3,936 (3)% (6)% $ 3,690 $ 3,936 (6)%\\nNet charge-offs/(recoveries)\\nBanking & Wealth Management 88 92 79 95 105 (4) (16) 259 275 (6)\\nHome Lending (16) (28) (18) (33) (59) 43 73 (62) (196) 68\\nCard Services 1,227 1,124 922 725 592 9 107 3,273 1,678 95\\nAuto 100 63 69 58 41 59 144 232 86 170\\nTotal net charge-offs/(recoveries) $ 1,399 $ 1,251 $ 1,052 $ 845 $ 67912 106$ 3,702 $ 1,843101\\nNet charge-off/(recovery) rate\\nBanking & Wealth Management (c) 1.14 % 1.20 % 1.12 % 1.28 % 1.35 % 1.16 % 1.14 %\\nHome Lending (0.02) (0.05) (0.04) (0.08) (0.14) (0.04) (0.16)\\nCard Services 2.49 2.41 2.07 1.62 1.40 2.33 1.41\\nAuto 0.53 0.36 0.41 0.34 0.24 0.43 0.17\\nTotal net charge-off/(recovery) rate 0.99 0.98 0.96 0.75 0.62 0.98 0.58\\n30+ day delinquency rate\\nHome Lending (d)(e) 0.59 % 0.58 % 0.81 % 0.83 % 0.78 % 0.59 % 0.78 %\\nCard Services 1.94 1.70 1.68 1.45 1.23 1.94 1.23\\nAuto 1.13 0.92 0.90 1.01 0.75 1.13 0.75\\n90+ day delinquency rate - Card Services 0.94 0.84 0.83 0.68 0.57 0.94 0.57\\nAllowance for loan losses\\nBanking & Wealth Management $ 686 $ 731 $ 720 $ 722 $ 722 (6) (5) $ 686 $ 722 (5)\\nHome Lending 573 (f) 777 (f) 427 867 667 (26) (14) 573 (f) 667 (14)\\nCard Services 11,901 11,600 11,400 11,200 10,400 3 14 11,901 10,400 14\\nAuto 742 717 716 715 715 4 4 742 715 4\\nTotal allowance for loan losses $ 13,902 $ 13,825 $ 13,263(g)$ 13,504 $ 12,5041 11$ 13,902 $ 12,50411\\n(a) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, nonaccrual loans excluded mortgage loans 90 or more days past due and insured by U.S. government agencies of $123 million, $139 million, $164 million, $187 million and\\n$219 million, respectively. These amounts have been excluded based upon the government guarantee. In addition, the Firm’s policy is generally to exempt credit card loans from being placed on nonaccrual status as permitted by regulatory guidance.\\n(b) Generally excludes loans that were under payment deferral programs offered in response to the COVID-19 pandemic.\\n(c) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022 included $129 million, $163 million, $205 million, $350 million and $791 million of loans, respectively, under the PPP. Given that PPP loans are guaranteed by the SBA, the\\nFirm does not expect to realize material credit losses on these loans. Refer to pages 108-109 of the Firm’s 2022 Form 10-K for further information on the PPP.\\n(d) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, the principal balance of loans under payment deferral programs offered in response to the COVID-19 pandemic was $89 million, $177 million, $353 million, $449 million and\\n$454 million in Home Lending, respectively. Loans that are performing according to their modified terms are generally not considered delinquent.\\n(e) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, excluded mortgage loans 30 or more days past due and insured by U.S. government agencies of $175 million, $195 million, $219 million, $258 million and $284 million,\\nrespectively. These amounts have been excluded based upon the government guarantee.\\n(f) At September 30, 2023 and June 30, 2023, included $396 million and $377 million allowance, respectively, associated with First Republic.\\n(g) On January 1, 2023, the Firm adopted the Financial Instruments - Credit Losses: Troubled Debt Restructurings accounting guidance. The adoption of this guidance resulted in a net decrease in the allowance for loan losses of $591 million, driven by residential real estate and\\ncredit card. Refer to Credit-related information on pages 27-28, and Note 1 of the Firm’s Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2023 for further information.\\nPage 14', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='32b41a34-1ee5-43c4-b74f-25459633f843', embedding=None, metadata={'page_label': '16', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCONSUMER & COMMUNITY BANKING\\nFINANCIAL HIGHLIGHTS, CONTINUED\\n(in millions, except ratio data and where otherwise noted)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nBUSINESS METRICS\\nNumber of:\\nBranches 4,863 4,874 4,784 4,787 4,802 — % 1 % 4,863 4,802 1 %\\nActive digital customers (in thousands) (a) 66,765 (f) 65,559 (f) 64,998 63,136 61,985 2 8 66,765 (f) 61,985 8\\nActive mobile customers (in thousands) (b) 53,221 (f) 51,963 (f) 50,933 49,710 48,904 2 9 53,221 (f) 48,904 9\\nDebit and credit card sales volume (in billions) $ 426.3 $ 424.0 $ 387.3 $ 411.1 $ 395.8 1 8 $ 1,237.6 $ 1,144.3 8\\nTotal payments transaction volume (in trillions) (c) 1.5 (f) 1.5 (f) 1.4 1.4 1.4 — 7 4.4 (f) 4.2 5\\nBanking & Wealth Management\\nAverage deposits $ 1,127,807 (g) $ 1,142,755 (g) $ 1,098,494 $ 1,126,420 $ 1,156,933 (1) (3) $ 1,123,126 (g) $ 1,152,233 (3)\\nDeposit margin 2.92 % 2.83 % 2.78 % 2.48 % 1.83 % 2.84 % 1.46 %\\nBusiness Banking average loans $ 19,520 $ 19,628 $ 19,884 $ 20,467 $ 21,263 (1) (8) $ 19,676 $ 22,936 (14)\\nBusiness Banking origination volume 1,321 1,275 1,027 1,081 977 4 35 3,623 3,201 13\\nClient investment assets (d) 882,253 892,897 690,819 647,120 615,048 (1) 43 882,253 615,048 43\\nNumber of client advisors 5,424 5,153 5,125 5,029 5,017 5 8 5,424 5,017 8\\nHome Lending (in billions)\\nMortgage origination volume by channel\\nRetail $ 6.8 (h) $ 7.3 (h) $ 3.6 $ 4.6 $ 7.8 (7) (13) $ 17.7 (h) $ 33.9 (48)\\nCorrespondent 4.2 3.9 2.1 2.1 4.3 8 (2) 10.2 24.8 (59)\\nTotal mortgage origination volume (e) $ 11.0 $ 11.2 $ 5.7 $ 6.7 $ 12.1(2) (9)$ 27.9 $ 58.7(52)\\nThird-party mortgage loans serviced (period-end) 637.8 604.5 575.9 584.3 586.7 6 9 637.8 586.7 9\\nMSR carrying value (period-end) 9.1 8.2 7.7 8.0 8.1 11 12 9.1 8.1 12\\nCard Services\\nSales volume, excluding commercial card (in billions) $ 296.2 $ 294.0 $ 266.2 $ 284.8 $ 272.3 1 9 856.4 779.9 10\\nNet revenue rate 9.60 % 9.11 % 10.38 % 10.06 % 9.92 % 9.69 % 9.79 %\\nNet yield on average loans 9.54 9.31 9.89 9.78 9.81 9.58 9.76\\nAuto\\nLoan and lease origination volume (in billions) $ 10.2 $ 12.0 $ 9.2 $ 7.5 $ 7.5 (15) 36 $ 31.4 $ 22.9 37\\nAverage auto operating lease assets 10,701 11,015 11,538 12,333 13,466 (3) (21) 11,081 14,908 (26)\\n(a) Users of all web and/or mobile platforms who have logged in within the past 90 days.\\n(b) Users of all mobile platforms who have logged in within the past 90 days.\\n(c) Total payments transaction volume includes debit and credit card sales volume and gross outflows of ACH, ATM, teller, wires, BillPay, PayChase, Zelle, person-to-person and checks.\\n(d) Includes assets invested in managed accounts and J.P. Morgan mutual funds where AWM is the investment manager. Refer to AWM segment results on pages 21-23 for additional information. At September 30, 2023 and June 30, 2023, included $140.6 billion and $150.9 billion\\nof client investment assets associated with First Republic, respectively.\\n(e) Firmwide mortgage origination volume was $13.0 billion, $13.0 billion, $6.8 billion, $8.5 billion and $15.2 billion for the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, respectively, and $32.8 billion and\\n$73.3 billion for the nine months ended September 30, 2023 and 2022, respectively.\\n(f) Excludes First Republic.\\n(g) Included $66.7 billion and $47.2 billion for the three months ended September 30, 2023 and June 30, 2023, respectively, and $38.2 billion for the nine months ended September 30, 2023, associated with First Republic.\\n(h) Included $730 million and $1.1 billion for the three months ended September 30, 2023 and June 30, 2023, respectively, and $1.9 billion for the nine months ended September 30, 2023, associated with First Republic.\\nPage 15', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='cbd271e8-88a4-40ab-81be-0ffd884d5d98', embedding=None, metadata={'page_label': '17', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text=\"JPMORGAN CHASE & CO.\\nCORPORATE & INVESTMENT BANK\\nFINANCIAL HIGHLIGHTS\\n(in millions, except ratio data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nINCOME STATEMENT\\nREVENUE\\nInvestment banking fees (a) $ 1,717 $ 1,557 $ 1,654 $ 1,467 $ 1,762 10 % (3)% $ 4,928 $ 5,462 (10)%\\nPrincipal transactions 5,918 6,697 7,408 4,397 5,258 (12) 13 20,023 15,529 29\\nLending- and deposit-related fees 556 533 539 548 589 4 (6) 1,628 1,871 (13)\\nCommissions and other fees 1,174 1,219 1,234 1,200 1,198 (4) (2) 3,627 3,858 (6)\\nCard income 374 400 315 353 (d) 293 (d) (7) 28 1,089 896 (d) 22\\nAll other income 131 396 373 147 (d) 181 (d) (67) (28) 900 474 (d) 90\\nNoninterest revenue 9,870 10,802 11,523 8,112 9,281(9) 632,195 28,09015\\nNet interest income 1,860 1,717 2,077 2,486 2,644 8 (30) 5,654 9,414 (40)\\nTOTAL NET REVENUE (b) 11,730 12,519 13,600 10,598 11,925(6) (2)37,849 37,5041\\nProvision for credit losses (185) 38 58 141 513 NM NM (89) 1,017 NM\\nNONINTEREST EXPENSE\\nCompensation expense 3,425 3,461 4,085 3,091 3,311 (1) 3 10,971 10,827 1\\nNoncompensation expense 4,018 3,433 3,398 3,404 (d) 3,371 (d) 17 19 10,849 10,028 (d) 8\\nTOTAL NONINTEREST EXPENSE 7,443 6,894 7,483 6,495 6,6828 1121,820 20,8555\\nIncome before income tax expense 4,472 5,587 6,059 3,962 4,730(20) (5)16,118 15,6323\\nIncome tax expense 1,380 1,495 1,638 648 (d) 1,208 (d) (8) 14 4,513 4,021 (d) 12\\nNET INCOME $ 3,092 $ 4,092 $ 4,421 $ 3,314 $ 3,522(24) (12)$ 11,605 $ 11,611—\\nFINANCIAL RATIOS\\nROE 11 % 15 % 16 % 12 % 13 % 14 % 14 %\\nOverhead ratio 63 55 55 61 56 58 56 (d)\\nCompensation expense as percentage of total net revenue 29 28 30 29 28 29 29\\nREVENUE BY BUSINESS\\nInvestment Banking $ 1,613 $ 1,494 $ 1,560 $ 1,389 $ 1,713 8 (6) $ 4,667 $ 5,121 (9)\\nPayments 2,094 2,451 2,396 2,120 (d) 2,039 (d) (15) 3 6,941 5,459 (d) 27\\nLending 291 299 267 323 323 (3) (10) 857 1,054 (19)\\nTotal Banking 3,998 4,244 4,223 3,832 4,075(6) (2)12,465 11,6347\\nFixed Income Markets 4,514 4,567 5,699 3,739 4,469 (1) 1 14,780 14,878 (1)\\nEquity Markets 2,067 2,451 2,683 1,931 2,302 (16) (10) 7,201 8,436 (15)\\nSecurities Services 1,212 1,221 1,148 1,159 1,110 (1) 9 3,581 3,329 8\\nCredit Adjustments & Other (c) (61) 36 (153) (63) (31) NM (97) (178) (773) 77\\nTotal Markets & Securities Services 7,732 8,275 9,377 6,766 7,850(7) (2)25,384 25,870(2)\\nTOTAL NET REVENUE $ 11,730 $ 12,519 $ 13,600 $ 10,598 $ 11,925(6) (2)$ 37,849 $ 37,5041\\n(a) Includes CB's share of revenue from investment banking products sold to CB clients through the CIB that is subject to a revenue sharing arrangement which is reported as a reduction in All other income.\\n(b) Includes tax-equivalent adjustments, predominantly due to income tax credits and other tax benefits related to alternative energy investments; income tax credits and amortization of the cost of investments in affordable housing projects; and tax-exempt income from municipal\\nbonds of $643 million, $953 million, $839 million, $854 million and $626 million for the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, respectively, and $2.4 billion and $2.1 billion for the nine months ended\\nSeptember 30, 2023 and 2022, respectively.\\n(c) Consists primarily of centrally managed credit valuation adjustments (“CVA”), funding valuation adjustments (“FVA”) on derivatives, other valuation adjustments, and certain components of fair value option elected liabilities, which are primarily reported in principal transactions\\nrevenue. Results are presented net of associated hedging activities and net of CVA and FVA amounts allocated to Fixed Income Markets and Equity Markets.\\n(d) In the first quarter of 2023, the allocations of revenue and expense to CCB associated with a Merchant Services revenue sharing agreement were discontinued and are now retained in Payments in CIB. Prior-period amounts have been revised to conform with the current\\npresentation.\\nPage 16\", start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='b212ce39-59f2-4b55-91c0-467c49e9a3c7', embedding=None, metadata={'page_label': '18', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCORPORATE & INVESTMENT BANK\\nFINANCIAL HIGHLIGHTS, CONTINUED\\n(in millions, except ratio and headcount data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nSELECTED BALANCE SHEET DATA (period-end)\\nTotal assets $1,446,231 $1,432,054 $1,436,237 $1,334,296 $1,384,618 1 % 4 % $1,446,231 $1,384,618 4 %\\nLoans:\\nLoans retained (a) 194,255 194,450 187,133 187,642 180,604 — 8 194,255 180,604 8\\nLoans held-for-sale and loans at fair value (b) 39,069 38,959 38,335 42,304 40,357 — (3) 39,069 40,357 (3)\\nTotal loans 233,324 233,409 225,468 229,946 220,961— 6233,324 220,9616\\nEquity 108,000 108,000 108,000 103,000 103,000 — 5 108,000 103,000 5\\nSELECTED BALANCE SHEET DATA (average)\\nTotal assets $1,423,182 $1,461,857 $1,429,662 $1,384,255 $1,403,247 (3) 1 $1,438,210 $1,413,662 2\\nTrading assets - debt and equity instruments 522,845 533,082 488,767 406,692 386,895 (2) 35 515,023 405,655 27\\nTrading assets - derivative receivables 65,774 63,094 64,016 77,669 83,084 4 (21) 64,301 77,846 (17)\\nLoans:\\nLoans retained (a) 193,683 189,153 185,572 182,873 176,469 2 10 189,499 169,175 12\\nLoans held-for-sale and loans at fair value (b) 39,227 38,132 42,569 42,895 45,150 3 (13) 39,964 48,176 (17)\\nTotal loans 232,910 227,285 228,141 225,768 221,6192 5229,463 217,3516\\nDeposits 726,617 722,818 699,586 707,541 721,690 1 1 716,439 750,538 (5)\\nEquity 108,000 108,000 108,000 103,000 103,000 — 5 108,000 103,000 5\\nHeadcount 74,900 74,822 74,352 73,452 71,797 — 4 74,900 71,797 4\\nCREDIT DATA AND QUALITY STATISTICS\\nNet charge-offs/(recoveries) $ 45 $ 56 $ 50 $ 7 $ 17 (20) 165 $ 151 $ 75 101\\nNonperforming assets:\\nNonaccrual loans:\\nNonaccrual loans retained (c) 978 924 832 718 583 6 68 978 583 68\\nNonaccrual loans held-for-sale and loans at fair value (d) 801 818 808 848 824 (2) (3) 801 824 (3)\\nTotal nonaccrual loans 1,779 1,742 1,640 1,566 1,4072 261,779 1,40726\\nDerivative receivables 293 286 291 296 339 2 (14) 293 339 (14)\\nAssets acquired in loan satisfactions 126 133 86 87 85 (5) 48 126 85 48\\nTotal nonperforming assets 2,198 2,161 2,017 1,949 1,8312 202,198 1,83120\\nAllowance for credit losses:\\nAllowance for loan losses 2,414 2,531 2,454 2,292 2,032 (5) 19 2,414 2,032 19\\nAllowance for lending-related commitments 1,095 1,207 1,301 1,448 1,582 (9) (31) 1,095 1,582 (31)\\nTotal allowance for credit losses 3,509 3,738 3,755 3,740 3,614(6) (3)3,509 3,614(3)\\nNet charge-off/(recovery) rate (a)(e) 0.09 % 0.12 % 0.11 % 0.02 % 0.04 % 0.11 % 0.06 %\\nAllowance for loan losses to period-end loans retained (a) 1.24 1.30 1.31 1.22 1.13 1.24 1.13\\nAllowance for loan losses to period-end loans retained,\\nexcluding trade finance and conduits (f) 1.74 1.86 1.81 1.67 1.49 1.74 1.49\\nAllowance for loan losses to nonaccrual loans retained (a)(c) 247 274 295 319 349 247 349\\nNonaccrual loans to total period-end loans 0.76 0.75 0.73 0.68 0.64 0.76 0.64\\n(a) Loans retained includes credit portfolio loans, loans held by consolidated Firm-administered multi-seller conduits, trade finance loans, other held-for-investment loans and overdrafts.\\n(b) Loans held-for-sale and loans at fair value primarily reflect lending related positions originated and purchased in CIB Markets, including loans held for securitization.\\n(c) Allowance for loan losses of $182 million, $145 million, $153 million, $104 million and $111 million were held against these nonaccrual loans at September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, respectively.\\n(d) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, nonaccrual loans excluded mortgage loans 90 or more days past due and insured by U.S. government agencies of $65 million, $76 million, $99 million, $115 million and $143\\nmillion, respectively. These amounts have been excluded based upon the government guarantee.\\n(e) Loans held-for-sale and loans at fair value were excluded when calculating the net charge-off/(recovery) rate.\\n(f) Management uses allowance for loan losses to period-end loans retained, excluding trade finance and conduits, a non-GAAP financial measure, to provide a more meaningful assessment of CIB’s allowance coverage ratio.\\nPage 17', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='3a14ff79-758b-41d2-8a12-d6e6039ce768', embedding=None, metadata={'page_label': '19', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text=\"JPMORGAN CHASE & CO.\\nCORPORATE & INVESTMENT BANK\\nFINANCIAL HIGHLIGHTS, CONTINUED\\n(in millions, except where otherwise noted)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nBUSINESS METRICS\\nAdvisory $ 767 $ 540 $ 756 $ 738 $ 848 42 % (10)% $ 2,063 $ 2,313 (11)%\\nEquity underwriting 274 318 235 250 290 (14) (6) 827 784 5\\nDebt underwriting 676 699 663 479 624 (3) 8 2,038 2,365 (14)\\nTotal investment banking fees $ 1,717 $ 1,557 $ 1,654 $ 1,467 $ 1,76210 (3)$ 4,928 $ 5,462(10)\\nClient deposits and other third-party liabilities (average) (a) 638,119 647,479 633,729 649,694 669,215 (1) (5) 639,792 700,095 (9)\\nMerchant processing volume (in billions) (b) 610.1 600.1 558.8 583.2 545.4 2 12 1,769.0 1,575.2 12\\nAssets under custody (“AUC”) (period-end) (in billions) $ 29,725 $ 30,424 $ 29,725 $ 28,635 $ 27,157 (2) 9 $ 29,725 $ 27,157 9\\n95% Confidence Level - Total CIB VaR (average)\\nCIB trading VaR by risk type: (c)\\nFixed income $ 49 $ 57 $ 56 $ 66 $ 64 (14) (23)\\nForeign exchange 17 12 10 11 9 42 89\\nEquities 7 8 7 13 11 (13) (36)\\nCommodities and other 10 12 15 18 14 (17) (29)\\nDiversification benefit to CIB trading VaR (d) (48) (48) (44) (50) (47) — (2)\\nCIB trading VaR (c) 35 41 44 58 51(15) (31)\\nCredit Portfolio VaR (e) 15 14 11 10 10 7 50\\nDiversification benefit to CIB VaR (d) (12) (11) (10) (8) (8) (9) (50)\\nCIB VaR $ 38 $ 44 $ 45 $ 60 $ 53(14) (28)\\n(a) Client deposits and other third-party liabilities pertain to the Payments and Securities Services businesses.\\n(b) Represents Firmwide merchant processing volume.\\n(c) CIB trading VaR includes substantially all market-making and client-driven activities, as well as certain risk management activities in CIB, including credit spread sensitivity to CVA. Refer to VaR measurement on pages 133–135 of the Firm’s 2022 Form 10-K for further information,\\nand pages 84–86 of the Firm’s Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2023 for further information.\\n(d) Diversification benefit represents the difference between the portfolio VaR and the sum of its individual components. This reflects the non-additive nature of VaR due to imperfect correlation across CIB risks.\\n(e) Credit Portfolio VaR includes the derivative CVA, hedges of the CVA and hedges of the retained loan portfolio, which are reported in principal transactions revenue. This VaR does not include the retained loan portfolio, which is not reported at fair value. In the first quarter of 2022,\\nin line with the Firm's internal model governance, the credit risk component of CVA related to certain counterparties was removed from Credit Portfolio VaR due to the widening of the credit spreads for those counterparties to elevated levels. The related hedges were also removed\\nto maintain consistency. This exposure is now reflected in other sensitivity-based measures.\\nPage 18\", start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='3431090f-8f5b-4c0d-9384-daec5b0bc2fc', embedding=None, metadata={'page_label': '20', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCOMMERCIAL BANKING\\nFINANCIAL HIGHLIGHTS\\n(in millions, except ratio data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nINCOME STATEMENT\\nREVENUE\\nLending- and deposit-related fees $ 410 (e) $ 249 $ 227 $ 243 $ 288 65 % 42 % $ 886 (e) $ 1,000 (11)%\\nCard income 198 201 173 171 177 (1) 12 572 514 11 %\\nAll other income 364 385 381 315 371 (5) (2) 1,130 1,093 3\\nNoninterest revenue 972 835 781 729 83616 162,588 2,607(1)\\nNet interest income 3,059 (e) 3,153 (e) 2,730 2,675 2,212 (3) 38 8,942 (e) 5,522 62\\nTOTAL NET REVENUE (a) 4,031 3,988 3,511 3,404 3,0481 3211,530 8,12942\\nProvision for credit losses 90 (e) 1,097 (e) 417 284 618 (92) (85) 1,604 (e) 984 63\\nNONINTEREST EXPENSE\\nCompensation expense 730 (e) 656 641 607 577 11 27 2,027 (e) 1,689 20\\nNoncompensation expense 645 644 667 647 603 — 7 1,956 1,776 10\\nTOTAL NONINTEREST EXPENSE 1,375 1,300 1,308 1,254 1,1806 173,983 3,46515\\nIncome before income tax expense 2,566 1,591 1,786 1,866 1,25061 1055,943 3,68061\\nIncome tax expense 631 383 439 443 304 65 108 1,453 890 63\\nNET INCOME $ 1,935 $ 1,208 $ 1,347 $ 1,423 $ 94660 105$ 4,490 $ 2,79061\\nREVENUE BY PRODUCT\\nLending $ 1,662 (e) $ 1,480 (e) $ 1,222 $ 1,185 $ 1,176 12 41 $ 4,364 (e) $ 3,339 31\\nPayments (b) 2,045 2,188 1,972 1,937 1,568 (7) 30 6,205 3,754 65\\nInvestment banking (b)(c) 290 273 306 248 274 6 6 869 816 6\\nOther 34 47 11 34 30 (28) 13 92 220 (58)\\nTOTAL NET REVENUE (a) $ 4,031 $ 3,988 $ 3,511 $ 3,404 $ 3,0481 32$ 11,530 $ 8,12942\\nInvestment Banking and Markets revenue, gross (d) $ 821 $ 767 $ 881 $ 700 $ 761 7 8 $ 2,469 $ 2,278 8\\nREVENUE BY CLIENT SEGMENT\\nMiddle Market Banking $ 1,876 (f) $ 1,916 (f) $ 1,681 $ 1,619 $ 1,366 (2) 37 $ 5,473 (f) $ 3,515 56\\nCorporate Client Banking 1,208 1,229 1,176 1,109 1,052 (2) 15 3,613 2,809 29\\nCommercial Real Estate Banking 921 (f) 806 (f) 642 666 624 14 48 2,369 (f) 1,795 32\\nOther 26 37 12 10 6 (30) 333 75 10 NM\\nTOTAL NET REVENUE (a) $ 4,031 $ 3,988 $ 3,511 $ 3,404 $ 3,0481 32$ 11,530 $ 8,12942\\nFINANCIAL RATIOS\\nROE 25 % 16 % 18 % 22 % 14 % 20 % 14 %\\nOverhead ratio 34 33 37 37 39 35 43\\n(a) Total net revenue included tax-equivalent adjustments from income tax credits related to equity investments in designated community development entities and in entities established for rehabilitation of historic properties, as well as tax-exempt income related to municipal financing\\nactivities of $103 million, $89 million, $82 million, $100 million and $80 million for the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, respectively, and $274 million and $222 million for the nine months ended\\nSeptember 30, 2023 and 2022, respectively.\\n(b) In the third quarter of 2023, certain revenue from CIB Markets products was reclassified from payments to investment banking. Prior-period amounts have been revised to conform with the current presentation.\\n(c) Includes CB’s share of revenue from Investment Banking and Markets’ products sold to CB clients through the CIB which is reported in All other income.\\n(d) Includes gross revenues earned by the Firm that are subject to a revenue sharing arrangement between CB and the CIB for Investment Banking and Markets’ products sold to CB clients. This includes revenues related to fixed income and equity markets products. Refer to page 61\\nof the Firm’s 2022 Form 10-K for discussion of revenue sharing.\\n(e) Includes First Republic. Refer to page 30 for additional information.\\n(f) Middle Market Banking and Commercial Real Estate Banking included $93 million and $273 million, respectively, for the three months ended September 30, 2023, $48 million and $130 million, respectively, for the three months ended June 30, 2023, and $141 million and $403\\nmillion, respectively, for the nine months ended September 30, 2023, associated with First Republic.\\nPage 19', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='82eb7ecd-3a46-421e-aeff-fb6dddf0bfb8', embedding=None, metadata={'page_label': '21', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCOMMERCIAL BANKING\\nFINANCIAL HIGHLIGHTS, CONTINUED\\n(in millions, except headcount and ratio data) QUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nSELECTED BALANCE SHEET DATA (period-end)\\nTotal assets $ 300,367 $ 305,280 $ 261,181 $ 257,106 $ 247,485 (2)% 21 % $ 300,367 $ 247,485 21 %\\nLoans:\\nLoans retained 281,389 (d) 282,124 (d) 238,752 233,879 231,829 — 21 281,389 (d) 231,829 21\\nLoans held-for-sale and loans at fair value 915 1,540 1,538 707 137 (41) NM 915 137 NM\\nTotal loans $ 282,304 $ 283,664 $ 240,290 $ 234,586 $ 231,966— 22$ 282,304 $ 231,96622\\nEquity 30,000 30,000 28,500 25,000 25,000 — 20 30,000 25,000 20\\nPeriod-end loans by client segment\\nMiddle Market Banking (a) $ 78,955 (e) $ 79,885 (e) $ 73,329 $ 72,625 $ 71,707 (1) 10 $ 78,955 (e) $ 71,707 10\\nCorporate Client Banking 59,645 60,511 58,256 53,840 52,940 (1) 13 59,645 52,940 13\\nCommercial Real Estate Banking 143,413 (e) 142,897 (e) 108,582 107,999 107,241 — 34 143,413 (e) 107,241 34\\nOther 291 371 123 122 78 (22) 272 291 78 272\\nTotal loans (a) $ 282,304 $ 283,664 $ 240,290 $ 234,586 $ 231,966— 22$ 282,304 $ 231,96622\\nSELECTED BALANCE SHEET DATA (average)\\nTotal assets $ 301,964 $ 290,875 $ 255,468 $ 253,007 $ 246,318 4 23 $ 282,939 $ 239,772 18\\nLoans:\\nLoans retained 281,602 (f) 270,091 (f) 236,808 234,654 227,539 4 24 262,998 (f) 218,255 21\\nLoans held-for-sale and loans at fair value 1,378 726 1,155 673 1,589 90 (13) 1,087 1,578 (31)\\nTotal loans $ 282,980 $ 270,817 $ 237,963 $ 235,327 $ 229,1284 24$ 264,085 $ 219,83320\\nDeposits 262,148 275,196 265,943 278,876 281,276 (5) (7) 267,748 299,337 (11)\\nEquity 30,000 29,505 28,500 25,000 25,000 2 20 29,341 25,000 17\\nAverage loans by client segment\\nMiddle Market Banking $ 78,774 (g) $ 78,037 (g) $ 73,030 $ 72,109 $ 70,002 1 13 $ 76,635 (g) $ 66,387 15\\nCorporate Client Banking 60,816 59,159 56,581 55,137 52,432 3 16 58,868 48,645 21\\nCommercial Real Estate Banking 142,955 (g) 133,394 (g) 108,143 107,831 106,546 7 34 128,292 (g) 104,659 23\\nOther 435 227 209 250 148 92 194 290 142 104\\nTotal loans $ 282,980 $ 270,817 $ 237,963 $ 235,327 $ 229,1284 24$ 264,085 $ 219,83320\\nHeadcount 17,281 15,991 15,026 14,687 14,299 8 21 17,281 14,299 21\\nCREDIT DATA AND QUALITY STATISTICS\\nNet charge-offs/(recoveries) $ 53 $ 100 $ 37 $ 35 $ 42 (47) 26 $ 190 $ 49 288\\nNonperforming assets\\nNonaccrual loans:\\nNonaccrual loans retained (b) 889 1,068 918 766 836 (17) 6 889 836 6\\nNonaccrual loans held-for-sale and loans\\nat fair value 24 — — — — NM NM 24 — NM\\nTotal nonaccrual loans 913 1,068 918 766 836(15) 9 913 8369\\nAssets acquired in loan satisfactions 47 — — — 7 NM NM 47 7 NM\\nTotal nonperforming assets 960 1,068 918 766 843(10) 14 960 84314\\nAllowance for credit losses:\\nAllowance for loan losses 4,721 4,729 3,566 3,324 3,050 — 55 4,721 3,050 55\\nAllowance for lending-related commitments 845 801 966 830 864 5 (2) 845 864 (2)\\nTotal allowance for credit losses 5,566(h)5,530(h)4,532 4,154 3,9141 425,566(h)3,91442\\nNet charge-off/(recovery) rate (c) 0.07 % 0.15 % 0.06 % 0.06 % 0.07 % 0.10 % 0.03 %\\nAllowance for loan losses to period-end loans retained 1.68 1.68 1.49 1.42 1.32 1.68 1.32\\nAllowance for loan losses to nonaccrual loans retained (b) 531 443 388 434 365 531 365\\nNonaccrual loans to period-end total loans 0.32 0.38 0.38 0.33 0.36 0.32 0.36\\n(a) As of September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, total loans included $48 million, $65 million, $88 million, $132 million, and $205 million of loans, respectively, under the PPP, of which $43 million, $60 million, $80 million,\\n$123 million, and $187 million, were in Middle Market Banking, respectively. Refer to pages 108-109 of the Firm’s 2022 Form 10-K for further information on the PPP.\\n(b) Allowance for loan losses of $164 million, $205 million, $170 million, $153 million and $150 million was held against nonaccrual loans retained at September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, respectively.\\n(c) Loans held-for-sale and loans at fair value were excluded when calculating the net charge-off/(recovery) rate.\\n(d) Includes First Republic. Refer to page 30 for additional information.\\n(e) As of September 30, 2023, included $6.1 billion and $32.7 billion for Middle Market Banking and Commercial Real Estate Banking, respectively, and as of June 30, 2023, included $6.2 billion and $33.3 billion, respectively, associated with First Republic.\\n(f) Average loans retained associated with First Republic were $39.0 billion and $28.6 billion for the three months ended September 30, 2023 and June 30, 2023, respectively, and $22.7 billion for the nine months ended September 30, 2023.\\n(g) Average Middle Market Banking and Commercial Real Estate Banking loans associated with First Republic were $6.2 billion and $32.8 billion respectively, for the three months ended September 30, 2023, $4.4 billion and $24.2 billion, respectively, for the three months ended June\\n30, 2023, and $3.5 billion and $19.1 billion, respectively, for the nine months ended September 30, 2023.\\n(h) As of September 30, 2023 and June 30, 2023, included $630 million and $608 million allowance, respectively, for First Republic.\\nPage 20', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='58f76123-e54d-468f-a64e-704b6f6e813e', embedding=None, metadata={'page_label': '22', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nASSET & WEALTH MANAGEMENT\\nFINANCIAL HIGHLIGHTS\\n(in millions, except ratio and headcount data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nINCOME STATEMENT\\nREVENUE\\nAsset management fees $ 2,988 $ 2,930 $ 2,761 $ 2,742 $ 2,803 2 % 7 % $ 8,679 $ 8,499 2 %\\nCommissions and other fees 177 196 181 234 241 (10) (27) 554 697 (21)\\nAll other income 266 (a) 232 (a) 391 82 82 15 224 889 (a) 253 251\\nNoninterest revenue 3,431 3,358 3,333 3,058 3,1262 1010,122 9,4497\\nNet interest income 1,574 (a) 1,585 (a) 1,451 1,530 1,413 (1) 11 4,610 (a) 3,711 24\\nTOTAL NET REVENUE 5,005 4,943 4,784 4,588 4,5391 1014,732 13,16012\\nProvision for credit losses (13) (a) 145 (a) 28 32 (102) NM 87 160 (a) 96 67\\nNONINTEREST EXPENSE\\nCompensation expense 1,777 1,746 1,735 1,649 1,649 2 8 5,258 4,687 12\\nNoncompensation expense 1,361 1,417 1,356 1,373 1,379 (4) (1) 4,134 4,120 —\\nTOTAL NONINTEREST EXPENSE 3,138 (a) 3,163 3,091 3,022 3,028(1) 49,392 8,8077\\nIncome before income tax expense 1,880 1,635 1,665 1,534 1,61315 175,180 4,25722\\nIncome tax expense 463 409 298 400 394 13 18 1,170 1,026 14\\nNET INCOME $ 1,417 $ 1,226 $ 1,367 $ 1,134 $ 1,21916 16$ 4,010 $ 3,23124\\nREVENUE BY LINE OF BUSINESS\\nAsset Management $ 2,164 $ 2,128 $ 2,434 $ 2,158 $ 2,209 2 (2) $ 6,726 $ 6,660 1\\nGlobal Private Bank 2,841 (a) 2,815 (a) 2,350 2,430 2,330 1 22 8,006 (a) 6,500 23\\nTOTAL NET REVENUE $ 5,005 $ 4,943 $ 4,784 $ 4,588 $ 4,5391 10$ 14,732 $ 13,16012\\nFINANCIAL RATIOS\\nROE 32 % 29 % 34 % 26 % 28 % 32 % 25 %\\nOverhead ratio 63 64 65 66 67 64 67\\nPretax margin ratio:\\nAsset Management 29 27 37 27 31 31 31\\nGlobal Private Bank 44 37 33 39 40 38 34\\nAsset & Wealth Management 38 33 35 33 36 35 32\\nHeadcount 28,083 26,931 26,773 26,041 25,769 4 9 28,083 25,769 9\\nNumber of Global Private Bank client advisors 3,443 3,214 3,189 3,137 3,110 7 11 3,443 3,110 11\\n(a) Includes First Republic. Refer to page 30 for additional information.\\nPage 21', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='44ef4821-a461-4ed3-8367-aa349835ee12', embedding=None, metadata={'page_label': '23', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nASSET & WEALTH MANAGEMENT\\nFINANCIAL HIGHLIGHTS, CONTINUED\\n(in millions, except ratio data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nSELECTED BALANCE SHEET DATA (period-end)\\nTotal assets $ 249,866 $ 247,118 $ 232,516 $ 232,037 $ 232,303 1 % 8 % $ 249,866 $ 232,303 8%\\nLoans 228,114 (a) 222,493 (a) 211,140 214,006 214,989 3 6 228,114 (a) 214,989 6\\nDeposits 215,152 199,763 225,831 233,130 242,315 8 (11) 215,152 242,315 (11)\\nEquity 17,000 17,000 16,000 17,000 17,000 — — 17,000 17,000 —\\nSELECTED BALANCE SHEET DATA (average)\\nTotal assets $ 245,616 $ 238,987 $ 228,823 $ 230,149 $ 232,748 3 6 $ 237,870 $ 233,209 2\\nLoans 223,760 (b) 219,469 (b) 211,469 214,150 216,714 2 3 218,278 (b) 216,065 1\\nDeposits 201,975 211,872 224,354 236,965 253,026 (5) (20) 212,652 269,754 (21)\\nEquity 17,000 16,670 16,000 17,000 17,000 2 — 16,560 17,000 (3)\\nCREDIT DATA AND QUALITY STATISTICS\\nNet charge-offs/(recoveries) $ 1 $ 2 $ (2) $ (2) $ (13) (50) NM $ 1 $ (5) NM\\nNonaccrual loans 621 615 477 459 467 1 33 621 467 33\\nAllowance for credit losses:\\nAllowance for loan losses 642 649 526 494 461 (1) 39 642 461 39\\nAllowance for lending-related commitments 32 39 19 20 21 (18) 52 32 21 52\\nTotal allowance for credit losses 674(c)688(c)545 514 482(2) 40674(c)48240\\nNet charge-off/(recovery) rate — % — % — % — % (0.02) % — % — %\\nAllowance for loan losses to period-end loans 0.28 0.29 0.25 0.23 0.21 0.28 0.21\\nAllowance for loan losses to nonaccrual loans 103 106 110 108 99 103 99\\nNonaccrual loans to period-end loans 0.27 0.28 0.23 0.21 0.22 0.27 0.22\\n(a) Includes First Republic. Refer to page 30 for additional information.\\n(b) Included $13.0 billion and $9.7 billion for the three months ended September 30, 2023 and June 30, 2023, respectively, and $7.6 billion for the nine months ended September 30, 2023, associated with First Republic.\\n(c) At September 30, 2023 and June 30, 2023, included $115 million and $146 million allowance, respectively, associated with First Republic.\\nPage 22', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='9567e464-f71e-4881-b741-5ecd8a5bf6b8', embedding=None, metadata={'page_label': '24', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nASSET & WEALTH MANAGEMENT\\nFINANCIAL HIGHLIGHTS, CONTINUED\\n(in billions)\\nSep 30, 2023\\nChange NINE MONTHS ENDED SEPTEMBER 30,\\nSep 30, Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Sep 30, 2023 Change\\nCLIENT ASSETS 2023 2023 2023 2022 2022 2023 2022 2023 2022 2022\\nAssets by asset class\\nLiquidity $ 867 $ 826 $ 761 $ 654 $ 615 5 % 41 % $ 867 $ 615 41 %\\nFixed income 707 718 682 638 612 (2) 16 707 612 16\\nEquity 780 792 733 670 609 (2) 28 780 609 28\\nMulti-asset 626 647 627 603 577 (3) 8 626 577 8\\nAlternatives 206 205 203 201 203 — 1 206 203 1\\nTOTAL ASSETS UNDER MANAGEMENT 3,186 3,188 3,006 2,766 2,616— 223,186 2,61622\\nCustody/brokerage/administration/deposits 1,458 1,370 1,341 1,282 1,207 6 21 1,458 1,207 21\\nTOTAL CLIENT ASSETS (a) $ 4,644 $ 4,558 $ 4,347 $ 4,048 $ 3,8232 21$ 4,644 $ 3,82321\\nAssets by client segment\\nPrivate Banking $ 888 $ 881 $ 826 $ 751 $ 698 1 27 $ 888 $ 698 27\\nGlobal Institutional 1,424 1,423 1,347 1,252 1,209 — 18 1,424 1,209 18\\nGlobal Funds 874 884 833 763 709 (1) 23 874 709 23\\nTOTAL ASSETS UNDER MANAGEMENT $ 3,186 $ 3,188 $ 3,006 $ 2,766 $ 2,616— 22$ 3,186 $ 2,61622\\nPrivate Banking $ 2,249 $ 2,170 $ 2,090 $ 1,964 $ 1,848 4 22 $ 2,249 $ 1,848 22\\nGlobal Institutional 1,514 1,497 1,417 1,314 1,261 1 20 1,514 1,261 20\\nGlobal Funds 881 891 840 770 714 (1) 23 881 714 23\\nTOTAL CLIENT ASSETS (a) $ 4,644 $ 4,558 $ 4,347 $ 4,048 $ 3,8232 21$ 4,644 $ 3,82321\\nAssets under management rollforward\\nBeginning balance $ 3,188 $ 3,006 $ 2,766 $ 2,616 $ 2,743 $ 2,766 $ 3,113\\nNet asset flows:\\nLiquidity 40 60 93 33 (36) 193 (88)\\nFixed income 1 37 26 8 9 64 5\\nEquity 16 20 22 9 6 58 26\\nMulti-asset 1 3 (2) (7) (5) 2 (2)\\nAlternatives 2 1 1 — 2 4 8\\nMarket/performance/other impacts (62) 61 100 107 (103) 99 (446)\\nEnding balance $ 3,186 $ 3,188 $ 3,006 $ 2,766 $ 2,616 $ 3,186 $ 2,616\\nClient assets rollforward\\nBeginning balance $ 4,558 $ 4,347 $ 4,048 $ 3,823 $ 3,798 $ 4,048 $ 4,295\\nNet asset flows 132 112 152 70 (15) 396 (21)\\nMarket/performance/other impacts (46) 99 147 155 40 200 (451)\\nEnding balance $ 4,644 $ 4,558 $ 4,347 $ 4,048 $ 3,823 $ 4,644 $ 3,823\\n(a) Includes CCB client investment assets invested in managed accounts and J.P. Morgan mutual funds where AWM is the investment manager.\\nPage 23', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='4ef9fc7d-315b-40d2-93f4-f7180d2fb529', embedding=None, metadata={'page_label': '25', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text=\"JPMORGAN CHASE & CO.\\nCORPORATE\\nFINANCIAL HIGHLIGHTS\\n(in millions, except headcount data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nINCOME STATEMENT\\nREVENUE\\nPrincipal transactions $ 128 $ 113 $ 82 $ (7) $ (76) 13 % NM $ 323 $ (220) NM\\nInvestment securities losses (669) (900) (868) (874) (959) 26 30 % (2,437) (1,506) (62)%\\nAll other income 116 (e) 2,767 (e) 31 766 (h) (59) (96) NM 2,914 (e) 43 NM\\nNoninterest revenue (425) 1,980 (755) (115) (1,094)NM 61 800 (1,683)NM\\nNet interest income 1,983 (e) 1,738 (e) 1,740 1,298 792 14 150 5,461 (e) 580 NM\\nTOTAL NET REVENUE (a) 1,558 3,718 985 1,183 (302)(58) NM6,261 (1,103)NM\\nProvision for credit losses 46 (243) 370 (14) (21) NM NM 173 36 381\\nNONINTEREST EXPENSE 696 (e) 1,152 (e) 160 339 305(40) 1282,008 (e) 695189\\nIncome/(loss) before income tax expense/(benefit) 816 2,809 455 858 (586)(71) NM4,080 (1,834)NM\\nIncome tax expense/(benefit) 4 169 (g) 211 277 (292) (98) NM 384 (g) (510) NM\\nNET INCOME/(LOSS) $ 812 $ 2,640 $ 244 $ 581 $ (294)(69) NM$ 3,696 $ (1,324)NM\\nMEMO:\\nTOTAL NET REVENUE\\nTreasury and Chief Investment Office (“CIO”) 1,640 1,261 1,106 603 (180) 30 NM 4,007 (1,042) NM\\nOther Corporate (82) (e) 2,457 (e) (121) 580 (122) NM 33 2,254 (e) (61) NM\\nTOTAL NET REVENUE $ 1,558 $ 3,718 $ 985 $ 1,183 $ (302)(58) NM$ 6,261 $ (1,103)NM\\nNET INCOME/(LOSS)\\nTreasury and CIO 1,129 1,057 624 531 (68) 7 NM 2,810 (728) NM\\nOther Corporate (317) (e) 1,583 (e) (380) 50 (226) NM (40) 886 (e) (596) NM\\nTOTAL NET INCOME/(LOSS) $ 812 $ 2,640 $ 244 $ 581 $ (294)(69) NM$ 3,696 $ (1,324)NM\\nSELECTED BALANCE SHEET DATA (period-end)\\nTotal assets $ 1,275,673 $ 1,263,595 $ 1,307,989 $ 1,328,219 $ 1,408,726 1 (9) $ 1,275,673 $ 1,408,726 (9)\\nLoans 2,099 2,172 2,267 2,181 2,206 (3) (5) 2,099 2,206 (5)\\nDeposits (b) 20,363 21,083 19,458 14,203 14,449 (3) 41 20,363 14,449 41\\nHeadcount 47,280 45,235 44,743 44,196 42,806 5 10 47,280 42,806 10\\nSUPPLEMENTAL INFORMATION\\nTREASURY and CIO\\nInvestment securities losses $ (669) $ (900) $ (868) $ (874) $ (959) 26 30 $ (2,437) $ (1,506) (62)\\nAvailable-for-sale securities (average) 201,875 198,620 202,776 195,788 209,008 2 (3) 201,087 254,798 (21)\\nHeld-to-maturity securities (average) (c) 402,816 410,594 417,350 427,802 436,302 (2) (8) 410,200 406,915 1\\nInvestment securities portfolio (average) $ 604,691 $ 609,214 $ 620,126 $ 623,590 $ 645,310(1) (6)$ 611,287 $ 661,713(8)\\nAvailable-for-sale securities (period-end) 195,200 (f) 201,211 (f) 195,228 203,981 186,441 (3) 5 195,200 (f) 186,441 5\\nHeld-to-maturity securities (period-end) (c) 388,261 408,941 412,827 425,305 430,106 (5) (10) 388,261 430,106 (10)\\nInvestment securities portfolio, net of allowance for credit losses\\n(period-end) (d) $ 583,461 $ 610,152 $ 608,055 $ 629,286 $ 616,547(4) (5)$ 583,461 $ 616,547(5)\\n(a) Included tax-equivalent adjustments, predominantly driven by tax-exempt income from municipal bonds, of $57 million, $45 million, $56 million, $58 million and $59 million for the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and\\nSeptember 30, 2022, respectively, and $158 million and $177 million for the nine months ended September 30, 2023 and 2022 respectively.\\n(b) Predominantly relates to the Firm's international consumer initiatives.\\n(c) In January 2023, upon adoption of the Derivatives and Hedging: Fair Value Hedging - Portfolio Layer Method accounting guidance, the Firm elected to transfer $7.1 billion of HTM securities to AFS. The transferred securities were placed in a closed AFS securities portfolio as part of\\na portfolio layer method hedge. During 2022, the Firm transferred $78.3 billion of investment securities from AFS to HTM for capital management purposes. At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, the estimated fair\\nvalue of the HTM securities portfolio was $348.7 billion, $375.3 billion, $382.0 billion, $388.6 billion and $389.8 billion, respectively. Refer to Note 1 of the Firm’s Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2023 for additional information on the portfolio\\nlayer method.\\n(d) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, the allowance for credit losses on investment securities was $87 million, $74 million, $61 million, $67 million and $52 million, respectively.\\n(e) Includes First Republic. Refer to page 30 for additional information.\\n(f) At September 30, 2023 and June 30, 2023, included AFS securities of $22.9 billion and $25.8 billion, respectively, associated with First Republic.\\n(g) Income taxes associated with the First Republic acquisition are reflected in the estimated bargain purchase gain.\\n(h) Included a $914 million gain on sale of Visa B shares.\\nPage 24\", start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='301399ad-ce2e-4d49-8bee-ef9010269f50', embedding=None, metadata={'page_label': '26', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCREDIT-RELATED INFORMATION\\n(in millions)\\nSep 30, 2023\\nChange\\nSep 30, Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Sep 30,\\n2023 2023 2023 2022 2022 2023 2022\\nCREDIT EXPOSURE\\nConsumer, excluding credit card loans (a)\\nLoans retained $ 397,054 $ 396,195 $ 300,447 $ 300,753 $ 301,403 — % 32 %\\nLoans held-for-sale and loans at fair value 11,715 12,009 10,986 10,622 12,393 (2) (5)\\nTotal consumer, excluding credit card loans 408,769 408,204 311,433 311,375 313,796— 30\\nCredit card loans\\nLoans retained 196,935 191,348 180,079 185,175 170,462 3 16\\nTotal credit card loans 196,935 191,348 180,079 185,175 170,4623 16\\nTotal consumer loans 605,704 599,552 491,512 496,550 484,2581 25\\nWholesale loans (b)\\nLoans retained 671,952 668,145 604,324 603,670 596,208 1 13\\nLoans held-for-sale and loans at fair value 32,403 32,372 33,060 35,427 32,167 — 1\\nTotal wholesale loans 704,355 700,517 637,384 639,097 628,3751 12\\nTotal loans 1,310,059 1,300,069 1,128,896 1,135,647 1,112,6331 18\\nDerivative receivables 67,070 64,217 59,274 70,880 92,534 4 (28)\\nReceivables from customers (c) 43,376 42,741 43,943 49,257 54,921 1 (21)\\nTotal credit-related assets 1,420,505 1,407,027 1,232,113 1,255,784 1,260,0881 13\\nLending-related commitments\\nConsumer, excluding credit card 48,313 50,846 37,568 33,518 34,868 (5) 39\\nCredit card (d) 898,903 881,485 861,218 821,284 798,855 2 13\\nWholesale 531,568 541,089 484,539 471,980 (h) 472,950 (2) 12\\nTotal lending-related commitments 1,478,784 1,473,420 1,383,325 1,326,782 1,306,673— 13\\nTotal credit exposure $ 2,899,289 (g) $ 2,880,447 (g) $ 2,615,438 $ 2,582,566 $ 2,566,7611 13\\nMemo: Total by category\\nConsumer exposure (e) $ 1,552,920 $ 1,531,883 $ 1,390,298 $ 1,351,352 $ 1,317,981 1 18\\nWholesale exposure (f) 1,346,369 1,348,564 1,225,140 1,231,214 1,248,780 — 8\\nTotal credit exposure $ 2,899,289 $ 2,880,447 $ 2,615,438 $ 2,582,566 $ 2,566,7611 13\\n(a) Includes scored loans held in CCB, scored mortgage and home equity loans held in AWM, and scored mortgage loans held in CIB and Corporate.\\n(b) Includes loans held in CIB, CB, AWM, Corporate as well as risk-rated loans held in CCB, including business banking and J.P. Morgan Wealth Management loans held in Banking & Wealth Management, and auto dealer loans for which the wholesale methodology is applied when\\ndetermining the allowance for loan losses.\\n(c) Receivables from customers reflect held-for-investment margin loans to brokerage clients in CIB, CCB and AWM; these are reported within accrued interest and accounts receivable on the Consolidated balance sheets.\\n(d) Also includes commercial card lending-related commitments primarily in CB and CIB.\\n(e) Represents total consumer loans and lending-related commitments.\\n(f) Represents total wholesale loans, lending-related commitments, derivative receivables, and receivables from customers.\\n(g) As of September 30, 2023 and June 30, 2023, includes credit exposure associated with First Republic consisting of $103.3 billion and $104.6 billion in the Consumer credit portfolio, respectively, and $95.2 billion and $98.2 billion in the Wholesale credit portfolio, respectively.\\n(h) Prior-period amount has been revised to conform with the current presentation.\\nPage 25', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='8250cee3-1aea-43ee-91ff-e4616b9f21bc', embedding=None, metadata={'page_label': '27', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCREDIT-RELATED INFORMATION, CONTINUED\\n(in millions, except ratio data)\\nSep 30, 2023\\nChange\\nSep 30, Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Sep 30,\\n2023 2023 2023 2022 2022 2023 2022\\nNONPERFORMING ASSETS (a)\\nConsumer nonaccrual loans\\nLoans retained $ 3,766 $ 3,784 $ 3,843 $ 3,874 $ 3,917 — % (4)%\\nLoans held-for-sale and loans at fair value 408 481 452 451 461 (15) (11)\\nTotal consumer nonaccrual loans 4,174 4,265 4,295 4,325 4,378(2) (5)\\nWholesale nonaccrual loans\\nLoans retained 2,907 2,593 2,211 1,963 1,882 12 54\\nLoans held-for-sale and loans at fair value 439 415 389 432 414 6 6\\nTotal wholesale nonaccrual loans 3,346 3,008 2,600 2,395 2,29611 46\\nTotal nonaccrual loans (b) 7,520 7,273 6,895 6,720 6,6743 13\\nDerivative receivables 293 286 291 296 339 2 (14)\\nAssets acquired in loan satisfactions 318 279 232 231 230 14 38\\nTotal nonperforming assets 8,131 7,838 7,418 7,247 7,2434 12\\nWholesale lending-related commitments (c) 387 332 401 455 470 17 (18)\\nTotal nonperforming exposure $ 8,518 $ 8,170 $ 7,819 $ 7,702 $ 7,7134 10\\nNONACCRUAL LOAN-RELATED RATIOS\\nTotal nonaccrual loans to total loans 0.57 % 0.56 % 0.61 % 0.59 % 0.60 %\\nTotal consumer, excluding credit card nonaccrual loans to\\ntotal consumer, excluding credit card loans 1.02 1.04 1.38 1.39 1.40\\nTotal wholesale nonaccrual loans to total\\nwholesale loans 0.48 0.43 0.41 0.37 0.37\\n(a) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022, nonperforming assets excluded mortgage loans 90 or more days past due and insured by U.S. government agencies of $188 million, $215 million, $263 million, $302 million and\\n$362 million, respectively. These amounts have been excluded based upon the government guarantee. In addition, the Firm’s policy is generally to exempt credit card loans from being placed on nonaccrual status as permitted by regulatory guidance. Refer to Note 12 of the Firm’s\\n2022 Form 10-K for additional information on the Firm’s credit card nonaccrual and charge-off policies.\\n(b) Generally excludes loans that were under payment deferral or other assistance, including amendments or waivers of financial covenants, in response to the COVID-19 pandemic.\\n(c) Represents commitments that are risk rated as nonaccrual.\\nPage 26', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='03ed49cc-e827-4695-8875-e2baab01d018', embedding=None, metadata={'page_label': '28', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCREDIT-RELATED INFORMATION, CONTINUED\\n(in millions, except ratio data)\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nSUMMARY OF CHANGES IN THE ALLOWANCES\\nALLOWANCE FOR LOAN LOSSES\\nBeginning balance $ 21,980 $ 20,053 $ 19,139 (c) $ 18,185 $ 17,750 10 % 24 % $ 19,139 $ 16,386 17 %\\nNet charge-offs:\\nGross charge-offs 1,869 1,776 1,451 1,210 1,104 5 69 5,096 3,116 64\\nGross recoveries collected (372) (365) (314) (323) (377) (2) 1 (1,051) (1,150) 9\\nNet charge-offs 1,497 1,411 1,137 887 727 6 106 4,045 1,966 106\\nProvision for loan losses 1,479 3,317 (b) 2,047 2,426 1,165 (55) 27 6,843 (b) 3,763 82\\nOther (16) 21 4 2 (3) NM (433) 9 2 350\\nEnding balance $ 21,946 $ 21,980 $ 20,053 $ 19,726 $ 18,185— 21$ 21,946 $ 18,18521\\nALLOWANCE FOR LENDING-RELATED COMMITMENTS\\nBeginning balance $ 2,186 $ 2,370 $ 2,382 $ 2,551 $ 2,222 (8) (2) $ 2,382 $ 2,261 5\\nProvision for lending-related commitments (107) (188) (b) (13) (169) 328 43 NM (308) (b) 289 NM\\nOther (4) 4 1 — 1 NM NM 1 1 —\\nEnding balance $ 2,075 $ 2,186 $ 2,370 $ 2,382 $ 2,551(5) (19)$ 2,075 $ 2,551(19)\\nALLOWANCE FOR INVESTMENT SECURITIES $ 117 $ 104 $ 90 $ 96 $ 6113 92$ 117 $ 6192\\nTotal allowance for credit losses (a) $ 24,138 $ 24,270 $ 22,513 $ 22,204 $ 20,797(1) 16$ 24,138 $ 20,79716\\nNET CHARGE-OFF/(RECOVERY) RATES\\nConsumer retained, excluding credit card loans 0.17 % 0.14 % 0.18 % 0.16 % 0.10 % 0.16 % 0.07 %\\nCredit card retained loans 2.49 2.41 2.07 1.62 1.40 2.33 1.41\\nTotal consumer retained loans 0.93 0.91 0.89 0.70 0.56 0.91 0.53\\nWholesale retained loans 0.06 0.10 0.06 0.03 0.04 0.07 0.03\\nTotal retained loans 0.47 0.47 0.43 0.33 0.27 0.46 0.25\\nMemo: Average retained loans\\nConsumer retained, excluding credit card loans $ 396,788 $ 359,543 $ 300,585 $ 301,093 $ 301,347 10 32 $ 352,670 $ 298,840 18\\nCredit card retained loans 195,232 187,027 180,451 177,026 168,125 4 16 187,624 158,721 18\\nTotal average retained consumer loans 592,020 546,570 481,036 478,119 469,472 8 26 540,294 457,561 18\\nWholesale retained loans 667,825 647,474 601,401 599,817 590,490 3 13 639,125 576,025 11\\nTotal average retained loans $1,259,845 $1,194,044 $1,082,437 $1,077,936 $1,059,9626 19$1,179,419 $1,033,58614\\n(a) At September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022 and September 30, 2022 excludes an allowance for credit losses associated with certain accounts receivable in CIB of $17 million, $18 million, $20 million, $21 million and $30 million, respectively, and at\\nMarch 31, 2023, excludes an allowance for credit losses associated with certain other assets in Corporate of $241 million.\\n(b) Included $1.2 billion of provision for credit losses associated with First Republic.\\n(c) On January 1, 2023, the Firm adopted the Financial Instruments - Credit Losses: Troubled Debt Restructurings accounting guidance. The adoption of this guidance eliminated the existing accounting and disclosure requirements for trouble debt restructurings (“TDRs”), including the\\nrequirement to measure the allowance using a discounted cash flow (“DCF”) methodology. The Firm elected to apply its portfolio-based allowance approach to substantially all its non-collateral dependent modified loans to troubled borrowers, resulting in a net decrease in the\\nbeginning balance of the allowance for loan losses of $587 million, predominantly driven by residential real estate and credit card. Refer to Note 1 of the Firm’s Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2023 for further information.\\nPage 27', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='3784df21-70ea-45f0-a995-d51f5ebe265c', embedding=None, metadata={'page_label': '29', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nCREDIT-RELATED INFORMATION, CONTINUED\\n(in millions, except ratio data)\\nSep 30, 2023\\nChange\\nSep 30, Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Sep 30,\\n2023 2023 2023 2022 2022 2023 2022\\nALLOWANCE COMPONENTS AND RATIOS\\nALLOWANCE FOR LOAN LOSSES\\nConsumer, excluding credit card\\nAsset-specific (a) $ (942) $ (971) $ (1,030) $ (624) (e) $ (702) 3 % (34)%\\nPortfolio-based 2,796 3,019 2,696 2,664 (e) 2,521 (7) 11\\nTotal consumer, excluding credit card 1,854 (d) 2,048 (d) 1,666 2,040 1,819(9) 2\\nCredit card\\nAsset-specific (a) — — — 223 218 — NM\\nPortfolio-based 11,900 11,600 11,400 10,977 10,182 3 17\\nTotal credit card 11,900 11,600 11,400 11,200 10,4003 14\\nTotal consumer 13,754 13,648 13,066 13,240 12,2191 13\\nWholesale\\nAsset-specific (a) 732 478 437 467 450 53 63\\nPortfolio-based 7,460 7,854 6,550 6,019 5,516 (5) 35\\nTotal wholesale 8,192 (d) 8,332 (d) 6,987 6,486 5,966(2) 37\\nTotal allowance for loan losses 21,946 21,980 20,053 19,726 18,185— 21\\nAllowance for lending-related commitments 2,075 2,186 2,370 2,382 2,551 (5) (19)\\nAllowance for investment securities 117 104 90 96 61 13 92\\nTotal allowance for credit losses $ 24,138 $ 24,270 $ 22,513 $ 22,204 $ 20,797(1) 16\\nCREDIT RATIOS\\nConsumer, excluding credit card allowance, to total\\nconsumer, excluding credit card retained loans 0.47 % 0.52 % 0.55 % 0.68 % 0.60 %\\nCredit card allowance to total credit card retained loans 6.04 6.06 6.33 6.05 6.10\\nWholesale allowance to total wholesale retained loans 1.22 1.25 1.16 1.07 1.00\\nWholesale allowance to total wholesale retained loans,\\nexcluding trade finance and conduits (b) 1.33 1.36 1.26 1.17 1.08\\nTotal allowance to total retained loans 1.73 1.75 1.85 1.81 1.70\\nConsumer, excluding credit card allowance, to consumer,\\nexcluding credit card retained nonaccrual loans (c) 49 54 43 53 46\\nTotal allowance, excluding credit card allowance, to retained\\nnonaccrual loans, excluding credit card nonaccrual loans (c) 151 163 143 146 134\\nWholesale allowance to wholesale retained nonaccrual loans 282 321 316 330 317\\nTotal allowance to total retained nonaccrual loans 329 345 331 338 314\\n(a) On January 1, 2023, the Firm adopted the Financial Instruments – Credit Losses: Troubled Debt Restructurings accounting guidance under which it elected to change from an asset-specific allowance approach to its non-DCF, portfolio-based allowance approach for modified loans\\nto troubled borrowers for all portfolios except collateral-dependent loans and nonaccrual risk-rated loans, for which the asset-specific allowance approach will continue to apply.\\n(b) Management uses allowance for loan losses to period-end loans retained, excluding CIB’s trade finance and conduits, a non-GAAP financial measure, to provide a more meaningful assessment of the wholesale allowance coverage ratio.\\n(c) Refer to footnote (a) on page 26 for information on the Firm’s nonaccrual policy for credit card loans.\\n(d) At September 30, 2023 and June 30, 2023, included $396 million and $667 million and $377 million and $695 million of Consumer and Wholesale, respectively, associated with First Republic.\\n(e) Prior-period amounts have been revised to conform with the current presentation.\\nPage 28', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='ba2749ae-f086-4b01-ba32-4775fd698222', embedding=None, metadata={'page_label': '30', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nNON-GAAP FINANCIAL MEASURES\\nNon-GAAP Financial Measures\\n(a) In addition to analyzing the Firm’s results on a reported basis, management reviews Firmwide results, including the overhead ratio, on a“managed” basis; these Firmwide managed\\nbasis results are non-GAAP financial measures. The Firm also reviews the results of the lines of business on a managed basis. The Firm’s definition of managed basis starts, in each\\ncase, with the reported U.S. GAAP results and includes certain reclassifications to present total net revenue for the Firm and each of the reportable business segments on an FTE\\nbasis. Accordingly, revenue from investments that receive tax credits and tax-exempt securities is presented in the managed results on a basis comparable to taxable investments and\\nsecurities. These financial measures allow management to assess the comparability of revenue from year-to-year arising from both taxable and tax-exempt sources. The corresponding\\nincome tax impact related to tax-exempt items is recorded within income tax expense. These adjustments have no impact on net income as reported by the Firm as a whole or by the\\nlines of business.\\n(b)Pre-provision profitis a non-GAAP financial measure which represents total net revenue less total noninterest expense. The Firm believes that this financial measure is useful in\\nassessing the ability of a lending institution to generate income in excess of its provision for credit losses.\\n(c)TCE, ROTCE, and TBVPSare each non-GAAP financial measures. TCE represents the Firm’s common stockholders’ equity (i.e., total stockholders’ equity less preferred stock) less\\ngoodwill and identifiable intangible assets (other than MSRs), net of related deferred tax liabilities. ROTCE measures the Firm’s net income applicable to common equity as a\\npercentage of average TCE. TBVPS represents the Firm’s TCE at period-end divided by common shares at period-end. TCE, ROTCE, and TBVPS are utilized by the Firm, as well as\\ninvestors and analysts, in assessing the Firm’s use of equity.\\n(d) The ratio of the wholesale and CIB’sallowance for loan losses to period-end loans retained, excluding trade finance and conduits, is calculated excluding loans accounted for at\\nfair value, loans held-for-sale, CIB’s trade finance loans and consolidated Firm-administered multi-seller conduits, as well as their related allowances, to provide a more meaningful\\nassessment of the respective allowance coverage ratio.\\n(e) In addition to reviewing net interest income (“NII”), net yield, and noninterest revenue (“NIR”) on a managed basis, management also reviews these metricsexcluding CIB Markets\\n(“Markets”, which is composed of Fixed Income Markets and Equity Markets), as shown below. Markets revenue consists of principal transactions, fees, commissions and other income,\\nas well as net interest income.These metrics, which exclude Markets, are non-GAAP financial measures. Management reviews these metrics to assess the performance of the Firm’s\\nlending, investing (including asset-liability management) and deposit-raising activities, apart from any volatility associated with Markets activities. In addition, management also\\nassesses Markets business performance on a total revenue basis as offsets may occur across revenue lines. For example, securities that generate net interest income may be risk-\\nmanaged by derivatives that are reflected at fair value in principal transactions revenue. Management believes these measures provide investors and analysts with alternative measures\\nto analyze the revenue trends of the Firm. For additional information on Markets revenue, refer to page 70 of the Firm’s 2022 Form 10-K.\\nQUARTERLY TRENDS NINE MONTHS ENDED SEPTEMBER 30,\\n3Q23 Change 2023 Change\\n(in millions, except rates) 3Q23 2Q23 1Q23 4Q22 3Q22 2Q23 3Q22 2023 2022 2022\\nNet interest income - reported $ 22,726 $ 21,779 $ 20,711 $ 20,192 $ 17,518 4 % 30 % $ 65,216 $ 46,518 40 %\\nFully taxable-equivalent adjustments 130 104 120 121 112 25 16 354 313 13\\nNet interest income - managed basis (a) $ 22,856 $ 21,883 $ 20,831 $ 20,313 $ 17,630 4 30 $ 65,570 $ 46,831 40\\nLess: Markets net interest income (317) (487) (105) 315 707 35 NM (909) 4,474 NM\\nNet interest income excluding Markets (a) $ 23,173 $ 22,370 $ 20,936 $ 19,998 $ 16,9234 37$ 66,479 $ 42,35757\\nAverage interest-earning assets $3,331,728 $3,343,780 $3,216,757 $3,265,071 $3,344,949 — — $3,297,843 $3,377,390 (2)\\nLess: Average Markets interest-earning assets 970,789 1,003,877 982,572 939,420 952,488 (3) 2 985,703 957,837 3\\nAverage interest-earning assets excluding Markets $2,360,939 $2,339,903 $2,234,185 $2,325,651 $2,392,4611 (1)$2,312,140 $2,419,553(4)\\nNet yield on average interest-earning assets - managed basis 2.72 % 2.62 % 2.63 % 2.47 % 2.09 % 2.66 % 1.85 %\\nNet yield on average Markets interest-earning assets (0.13) (0.19) (0.04) 0.13 0.29 (0.12) 0.62\\nNet yield on average interest-earning assets excluding Markets 3.89 3.83 3.80 3.41 2.81 3.84 2.34\\nNoninterest revenue - reported $ 17,148 $ 19,528 $ 17,638 $ 14,355 $ 15,198 (12) 13 $ 54,314 $ 47,630 14\\nFully taxable-equivalent adjustments 682 990 867 898 663 (31) 3 2,539 2,250 13\\nNoninterest revenue - managed basis $ 17,830 $ 20,518 $ 18,505 $ 15,253 $ 15,861 (13) 12 $ 56,853 $ 49,880 14\\nLess: Markets noninterest revenue 6,898 7,505 8,487 5,355 6,064 (8) 14 22,890 18,840 21\\nNoninterest revenue excluding Markets $ 10,932 $ 13,013 $ 10,018 $ 9,898 $ 9,797(16) 12$ 33,963 $ 31,0409\\nMemo: Markets total net revenue $ 6,581 $ 7,018 $ 8,382 $ 5,670 $ 6,771(6) (3)$ 21,981 $ 23,314(6)\\n(a) Interest includes the effect of related hedges. Taxable-equivalent amounts are used where applicable.\\nPage 29', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n'),\n",
       " Document(id_='9f64801d-f6ec-44ce-aa60-ac760f5c326e', embedding=None, metadata={'page_label': '31', 'file_name': '/home/tarush/Desktop/work/NEU/GenAIClass/FinGenInsights/dataset/data1.pdf', 'file_path': 'dataset/data1.pdf', 'file_type': 'application/pdf', 'file_size': 677266, 'creation_date': '2024-02-16', 'last_modified_date': '2024-02-16'}, excluded_embed_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], excluded_llm_metadata_keys=['file_name', 'file_type', 'file_size', 'creation_date', 'last_modified_date', 'last_accessed_date'], relationships={}, text='JPMORGAN CHASE & CO.\\nSUPPLEMENTAL INFORMATION ON FIRST REPUBLIC\\n(in millions)\\nTHREE MONTHS ENDED SEPTEMBER 30, 2023 THREE MONTHS ENDED JUNE 30, 2023 NINE MONTHS ENDED SEPTEMBER 30, 2023\\nCCB CB AWM CORP Total CCB CB AWM CORP Total CCB CB AWM CORP Total\\nSELECTED INCOME STATEMENT DATA\\nREVENUE\\nAsset management fees $ 142 $ — $ — $ — $ 142 $ 107 $ — $ — $ — $ 107 $ 249 $ — $ — $ — $ 249\\nAll other income 191 144 203 81 (a) 619 105 — 174 2,762 (a) 3,041 296 144 377 2,843 (a) 3,660\\nNoninterest revenue 333 144 203 81 761 212 — 174 2,762 3,148 545 144 377 2,843 3,909\\nNet interest income 1,022 222 233 (3) 1,474 619 178 129 (29) 897 1,641 400 362 (32) 2,371\\nTOTAL NET REVENUE 1,355 366 436 78 2,235 831 178 303 2,733 4,045 2,186 544 739 2,811 6,280\\nProvision for credit losses (2) 26 (31) — (7) 408 608 146 — 1,162 406 634 115 — 1,155\\nNoninterest expense 583 18 17 240 858 37 — — 562 599 620 18 17 802 1,457\\nNET INCOME 589 245 342 (99) 1,077 293 (327) 119 2,301 2,386 882 (82) 461 2,202 3,463\\nSELECTED BALANCE SHEET DATA (period-end)\\nLoans $ 94,333 $ 38,729 $ 12,026 $ — $ 145,088 (b) $ 94,721 $ 39,500 $ 13,696 $ — $ 147,917 (b) $ 94,333 $ 38,729 $ 12,026 $ — $ 145,088 (b)\\nDeposits 63,945 — — — 63,945 68,351 — — — 68,351 63,945 — — — 63,945\\nAll references to “excludes First Republic”, “includes First Republic” or “associated with First Republic” refer to the effects of the First Republic acquisition, as well as subsequent related business and activities, as applicable.\\n(a) On May 1, 2023, JPMorgan Chase acquired certain assets and assumed certain liabilities of First Republic Bank from the FDIC, resulting in a preliminary estimated bargain purchase gain of $2.7 billion recorded in other income. The bargain purchase gain generally represents the\\nexcess of the estimated fair value of the net assets acquired over the purchase price and is subject to change for up to one year from the acquisition date, as permitted by U.S. GAAP, and as the settlement with the FDIC is finalized. For the three months ended September 30,\\n2023, measurement period adjustments of $100 million were recorded, resulting in an estimated bargain purchase gain of $2.8 billion for the nine months ended September 30, 2023.\\n(b) Excludes $1.9 billion of loans transferred to the CIB as part of the First Republic acquisition.\\nPage 30', start_char_idx=None, end_char_idx=None, text_template='{metadata_str}\\n\\n{content}', metadata_template='{key}: {value}', metadata_seperator='\\n')]"
      ]
     },
     "execution_count": 24,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "data"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 25,
   "metadata": {},
   "outputs": [],
   "source": [
    "index = VectorStoreIndex.from_documents(data)\n",
    "qe = index.as_query_engine()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 16,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/markdown": [
       "<b>This document is an earnings release financial supplement for the third quarter of 2023 by JPMorgan Chase & Co. It includes consolidated financial highlights, statements of income, balance sheets, segment results, capital and other selected balance sheet items, earnings per share information, business segment results, credit-related information, non-GAAP financial measures, and supplemental information on First Republic.</b>"
      ],
      "text/plain": [
       "<IPython.core.display.Markdown object>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    }
   ],
   "source": [
    "response = qe.query(\"What is this document about?\")\n",
    "from IPython.display import display, Markdown\n",
    "\n",
    "display(Markdown(f\"<b>{response}</b>\"))"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 22,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/markdown": [
       "<b>- Total net revenue decreased by 3% from the previous quarter but increased by 22% compared to the same quarter last year.\n",
       "- Total noninterest expense increased by 4% from the previous quarter and 13% compared to the same quarter last year.\n",
       "- Net income decreased by 9% from the previous quarter but showed a significant increase of 35% compared to the same quarter last year.\n",
       "- Earnings per share (EPS) decreased by 9% from the previous quarter but increased by 38% compared to the same quarter last year.\n",
       "- Market capitalization decreased by 1% from the previous quarter but showed a substantial increase of 37% compared to the same quarter last year.\n",
       "\n",
       "Important tabular data for visualization:\n",
       "1. Quarterly Trends for Total Net Revenue, Total Noninterest Expense, and Net Income for the specified quarter and the previous quarters.\n",
       "2. Earnings per Share (EPS) data for Basic and Diluted EPS for the specified quarter and the previous quarters.\n",
       "3. Market Capitalization data for the specified quarter and the previous quarters.</b>"
      ],
      "text/plain": [
       "<IPython.core.display.Markdown object>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    }
   ],
   "source": [
    "response = qe.query(\"Based on document provide me insights as Bullet points about financial status of the speicif quarter. Also give me important tabular data I can plot for visualization.\")\n",
    "from IPython.display import display, Markdown\n",
    "\n",
    "display(Markdown(f\"<b>{response}</b>\"))"
   ]
  }
 ],
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  "language_info": {
   "codemirror_mode": {
    "name": "ipython",
    "version": 3
   },
   "file_extension": ".py",
   "mimetype": "text/x-python",
   "name": "python",
   "nbconvert_exporter": "python",
   "pygments_lexer": "ipython3",
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