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JPM US​
HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings

Jpmorgan Chase & Co(JPM US)

$345.00+2.180.63%(Market Open · 20:06:44 UTC)
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Doc SearchProfileEntity StructureFinancialsChartingShort InterestEmployees

Overview

ProfileEntity Structure

Documents

SEC Filings
Logo
  • Home
  • AI Agent
  • Annotations
  • Files
  • Pricing and plans
  • BlogAboutContact us
    APIMCP
    Terms of servicePrivacy policy
  • Get the full experience

    We save the real magic for signed-in users.

JPM US​
HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings

Jpmorgan Chase & Co(JPM US)

$345.00+2.180.63%(Market Open · 20:06:44 UTC)
Ask AI
Doc SearchProfileEntity StructureFinancialsChartingShort InterestEmployees

Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

FinancialsChartingShort InterestEmployees

Financials & Metrics

FinancialsChartingShort InterestEmployees

Jpmorgan Chase & Co — Company Profile

JPMorgan Chase & Co. operates as a bank and financial holding company in the United States, rest of North America, Europe, the Middle East, Africa, the Asia Pacific, Latin America, and the Caribbean. It operates in three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, and cash management; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, payment solutions, travel services, merchant offers, lifestyle benefits, auto loans, and leases to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking, market-making, financing, custody, and securities products and services; corporate strategy and structure advisory, equity and debt market capital-raising, and loan origination and syndication services; cash and derivative instruments, risk management solutions, prime brokerage, clearing, and research; and fund services, liquidity and trading services, and data solutions products for large corporations, financial institutions, merchants, start-ups, small and midsized companies, local governments, municipalities, nonprofits, and commercial real estate clients. In addition, the company offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; retirement products and services, estate planning, lending, deposits, and investment management products to high-net-worth clients; and financial transaction processing. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Sector
Financials
Industry
Banks
Exchange
UN
CEO
Jamie Dimon
Headquarters
New York, NY, US
IPO Date
Mar 17, 1980
Employees
320,560
Website
www.jpmorganchase.com

Key Metrics

Price
$332.38
Market Cap
$890.62B
Revenue (TTM)
$0.00
Net Income (TTM)
$0.00
EPS (TTM)
0.00
P/E (TTM)
15.12
P/B (TTM)
2.45
Dividend Yield
0.00%
ROE (TTM)
0.00%
ROA (TTM)
0.00%

Jpmorgan Chase & Co — Company Profile

JPMorgan Chase & Co. operates as a bank and financial holding company in the United States, rest of North America, Europe, the Middle East, Africa, the Asia Pacific, Latin America, and the Caribbean. It operates in three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, and cash management; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, payment solutions, travel services, merchant offers, lifestyle benefits, auto loans, and leases to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking, market-making, financing, custody, and securities products and services; corporate strategy and structure advisory, equity and debt market capital-raising, and loan origination and syndication services; cash and derivative instruments, risk management solutions, prime brokerage, clearing, and research; and fund services, liquidity and trading services, and data solutions products for large corporations, financial institutions, merchants, start-ups, small and midsized companies, local governments, municipalities, nonprofits, and commercial real estate clients. In addition, the company offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; retirement products and services, estate planning, lending, deposits, and investment management products to high-net-worth clients; and financial transaction processing. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Sector
Financials
Industry
Banks
Exchange
UN
CEO
Jamie Dimon
Headquarters
New York, NY, US
IPO Date
Mar 17, 1980
Employees
320,560
Website
www.jpmorganchase.com

Key Metrics

Price
$332.38
Market Cap
$890.62B
Revenue (TTM)
$0.00
Net Income (TTM)
$0.00
EPS (TTM)
0.00
P/E (TTM)
15.12
P/B (TTM)
2.45
Dividend Yield
0.00%
ROE (TTM)
0.00%
ROA (TTM)
0.00%
Operating Margin
0.00%
Beta
0.00

Dividends

Last Dividend
$0.00
Last Yield
0.00%

Summary

JPMorgan Chase & Co. operates as a bank and financial holding company in the United States, rest of North America, Europe, the Middle East, Africa, the Asia Pacific, Latin America, and the Caribbean. It operates in three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, and cash management; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, payment solutions, travel services, merchant offers, lifestyle benefits, auto loans, and leases to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking, market-making, financing, custody, and securities products and services; corporate strategy and structure advisory, equity and debt market capital-raising, and loan origination and syndication services; cash and derivative instruments, risk management solutions, prime brokerage, clearing, and research; and fund services, liquidity and trading services, and data solutions products for large corporations, financial institutions, merchants, start-ups, small and midsized companies, local governments, municipalities, nonprofits, and commercial real estate clients. In addition, the company offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; retirement products and services, estate planning, lending, deposits, and investment management products to high-net-worth clients; and financial transaction processing. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Website
www.jpmorganchase.com
Location
New York, NY, US
Phone212 270 6000
Employees320,560
CEOJamie Dimon
Sector
Financials
Industry
Banks
IPO DateMar 17, 1980

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

SEC Filings(171K)

Expand
  • 424B2PRICING SUPPLEMENT04:58PM
  • 424B2PRICING SUPPLEMENT04:52PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:48PM
  • 424B2PRICING SUPPLEMENT04:48PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:36PM
  • 424B2AMENDED & RESTATED PRICING SUPPLEMENT04:32PM
  • Form 4Petno Douglas B04:32PM
  • 424B2PRICING SUPPLEMENT04:29PM
  • FWPFACT SHEET04:25PM
  • 424B2PRICING SUPPLEMENT04:23PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:20PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:16PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:13PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:13PM
  • 424B2PRICING SUPPLEMENT04:10PM
  • 424B2PRICING SUPPLEMENT04:10PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT03:33PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT03:24PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT03:22PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT03:16PM

News

  • JPMorganChase Declares Preferred Stock Dividends04:20PM
  • JPMorgan Stock Slid After Reports That Senate Democrats Plan a New Investigation Into Jamie Dimon's Bank Over Its Jeffrey Epstein Relationship. Here's Why That Political Risk Could Weigh on JPM Shares.01:00PM
  • 4 Closed-End Fund Buys In The Month Of October 202611:06AM
  • How Much Tax Does a 70-Year-Old Owe Diversifying $500,000 in JPMorgan Stock?09:02AM
  • 3 Legacy Financial Dividend Stocks That Never Go Out of Style08:47AM
  • What If the Fed Doubles the Rate Hike in December? These 5 Dividend Stocks Could Prosper08:13AM
  • 3 Dividend Stocks Built for a Market Priced Like It's 199904:44AM
  • Ethic Inc. Acquires 96,664 Shares of JPMorgan Chase & Co. $JPM04:39AM
  • JPMorgan Chase & Co. $JPM Holdings Lowered by Candriam S.C.A.04:39AM
  • 1,659 JPMorgan Chase & Co. $JPM Shares Sold by Carret Asset Management LLC03:57AM
  • JPMorgan Chase & Co. $JPM Stock: Carnegie Lake Advisors LLC Trims Position03:57AM
  • JPMorgan Chase & Co. $JPM Stake Increased by Brighton Jones LLC03:57AM
  • Inflation Stays Hot: 3 Financial Stocks to Watch as Fed Rate Risks Rise12 Nov
  • America’s Biggest Bank Turned $1,000 Into $5,559 in Ten Years, Beating the S&P 500 by $1,51912 Nov
  • Adam Back Says Bitcoin Could Reach $1 Million by Late 2028. What Would Have to Happen First?12 Nov
  • JPMorgan Chase & Co. (JPM) Up 2.4% Since Last Earnings Report: Can It Continue?12 Nov
  • MSCI Is Removing Strategy, Holder of 850,364 Bitcoin, From Its Indexes. Will Saylor Have to Sell BTC?12 Nov
  • Jamie Dimon Warned the American Dream Was “Slipping Out of Reach.” $19 Trillion in Debt May Explain Why12 Nov
  • Micron Is Back Above $800 After Its Best Day Since July12 Nov
  • JPMorgan Chase & Co. $JPM Shares Acquired by Ashton Thomas Private Wealth LLC12 Nov

Key Stats

Trading

Px/Chg 1D$332.38 / -0.24%
52 Wk H$0.00
52 Wk L$0.00
Avg Volume0.00
Beta0.00
Mkt Cap890.62B

Float

Shrs Out/Float2.68B / 2.67B
Short Float0.00%
Days to Cover0.00
Stock Repurchased$0.00

Current Valuation

EV1.83T
EV/EBITDA21.86
EV/Sales6.43
P/B2.45
P/S3.12
FCF Yield-23.78%
ROE0.00%
ROA0.00%
Current Ratio0.00

Estimates

P/E15.12
Est P/E0.00
Est EPS0.00
Est PEG0.00

Valuation

Metric5Yr AvgMay '23Apr '24Apr '25Apr '26Oct '26
PRICE-BASED RATIOS
Price / Earnings31.0810.9411.3712.0267.0654.00
Price / Sales6.462.682.382.6012.5512.09
Price / Book Value2.001.411.722.042.412.45
Price / Free Cash Flow5.743.8543.43-16.732.37-4.21
ENTERPRISE VALUE METRICS
Enterprise Value1,072,778.3414,683.9619,772.21,004,892.41,492,589.51,831,953.5
Enterprise Value / Sales11.072.702.623.7121.4424.87
Enterprise Value / EBITDA37.147.798.9712.1076.6580.20
Enterprise Value / EBIT41.778.9810.0613.3886.9889.46

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue21.8%127,238.0153,824.0236,273.0270,789.0279,745.0
Gross Income6.4%130,905.0121,392.0145,670.0158,785.0167,607.0
EBITDA4.8%67,494.053,217.069,124.083,019.081,416.0
EBIT5.1%59,562.046,166.061,612.075,081.072,595.0
Net Income4.2%48,334.037,676.049,552.058,471.057,048.0
EPS (Diluted)6.9%15.3612.0916.2319.7520.05
BALANCE SHEET
Cash & ST Inv2.1%1,361,956.01,124,045.01,228,249.01,367,721.01,479,747.0
Total Assets4.3%3,743,567.03,665,743.03,875,393.04,002,814.04,424,900.0
Total Liabilities4.2%3,449,440.03,373,411.03,547,515.03,658,056.04,062,462.0
Total Shareholder Equity5.4%294,127.0292,332.0327,878.0344,758.0362,438.0
CASH FLOW
Net Operating Cash Flow6.6%78,084.0107,119.012,974.0-42,012.0100,867.0
Cap Ex—-----
Free Cash Flow6.6%78,084.0107,119.012,974.0-42,012.0100,867.0

Enterprise Value Bridge

Millions USD13 Nov '26
Price (As of 13 Nov '26)346.22
Basic Shares2,679.51
Market Cap927,700.0
Diluted Shares2,683.00
Fully Diluted Shares Outstanding2,683.00
Fully Diluted Market Cap928,908.3
+Consolidated Debt1,234,891.0
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-326,271.0
−Short-term Investments-2,376,958.0
+Total Preferred21,040.0
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value1,857,360.0

Segment data

Revenue

by Products and services

  • Commercial And Investment Bank42%
  • Consumer & Community Banking41%
  • Asset And Wealth Management Segment13%
  • Segment Reporting, Reconciling Item, Corporate Nonsegment4%

Revenue

by Geography

  • North America77%
  • Emea13%
  • Asia Pacific8%
  • Latin America2%

Related companies

China Construction Bank Corporation

CICHY US

Bank Of America Corp /DE/

BAC US

Industrial & Commercial Bank of China Ltd.

IDCBY US

Wells Fargo & Company/mn

WFC US

Bank of China Limited

BACHY US

Toronto Dominion Bank

TD US

UBS Group AG

UBS US

Capital One Financial Corp

COF US

Bank Of Nova Scotia /

BNS US

Bank of Communications Co., Ltd.

BCMXY US

Pnc Financial Services Group, Inc.

PNC US

National Australia Bank Limited

NABZY US

Operating Margin
0.00%
Beta
0.00

Dividends

Last Dividend
$0.00
Last Yield
0.00%

Summary

JPMorgan Chase & Co. operates as a bank and financial holding company in the United States, rest of North America, Europe, the Middle East, Africa, the Asia Pacific, Latin America, and the Caribbean. It operates in three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, and cash management; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, payment solutions, travel services, merchant offers, lifestyle benefits, auto loans, and leases to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking, market-making, financing, custody, and securities products and services; corporate strategy and structure advisory, equity and debt market capital-raising, and loan origination and syndication services; cash and derivative instruments, risk management solutions, prime brokerage, clearing, and research; and fund services, liquidity and trading services, and data solutions products for large corporations, financial institutions, merchants, start-ups, small and midsized companies, local governments, municipalities, nonprofits, and commercial real estate clients. In addition, the company offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; retirement products and services, estate planning, lending, deposits, and investment management products to high-net-worth clients; and financial transaction processing. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Website
www.jpmorganchase.com
Location
New York, NY, US
Phone212 270 6000
Employees320,560
CEOJamie Dimon
Sector
Financials
Industry
Banks
IPO DateMar 17, 1980

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

SEC Filings(171K)

Expand
  • 424B2PRICING SUPPLEMENT04:58PM
  • 424B2PRICING SUPPLEMENT04:52PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:48PM
  • 424B2PRICING SUPPLEMENT04:48PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:36PM
  • 424B2AMENDED & RESTATED PRICING SUPPLEMENT04:32PM
  • Form 4Petno Douglas B04:32PM
  • 424B2PRICING SUPPLEMENT04:29PM
  • FWPFACT SHEET04:25PM
  • 424B2PRICING SUPPLEMENT04:23PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:20PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:16PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:13PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT04:13PM
  • 424B2PRICING SUPPLEMENT04:10PM
  • 424B2PRICING SUPPLEMENT04:10PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT03:33PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT03:24PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT03:22PM
  • 424B2PRELIMINARY PRICING SUPPLEMENT03:16PM

News

  • JPMorganChase Declares Preferred Stock Dividends04:20PM
  • JPMorgan Stock Slid After Reports That Senate Democrats Plan a New Investigation Into Jamie Dimon's Bank Over Its Jeffrey Epstein Relationship. Here's Why That Political Risk Could Weigh on JPM Shares.01:00PM
  • 4 Closed-End Fund Buys In The Month Of October 202611:06AM
  • How Much Tax Does a 70-Year-Old Owe Diversifying $500,000 in JPMorgan Stock?09:02AM
  • 3 Legacy Financial Dividend Stocks That Never Go Out of Style08:47AM
  • What If the Fed Doubles the Rate Hike in December? These 5 Dividend Stocks Could Prosper08:13AM
  • 3 Dividend Stocks Built for a Market Priced Like It's 199904:44AM
  • Ethic Inc. Acquires 96,664 Shares of JPMorgan Chase & Co. $JPM04:39AM
  • JPMorgan Chase & Co. $JPM Holdings Lowered by Candriam S.C.A.04:39AM
  • 1,659 JPMorgan Chase & Co. $JPM Shares Sold by Carret Asset Management LLC03:57AM
  • JPMorgan Chase & Co. $JPM Stock: Carnegie Lake Advisors LLC Trims Position03:57AM
  • JPMorgan Chase & Co. $JPM Stake Increased by Brighton Jones LLC03:57AM
  • Inflation Stays Hot: 3 Financial Stocks to Watch as Fed Rate Risks Rise12 Nov
  • America’s Biggest Bank Turned $1,000 Into $5,559 in Ten Years, Beating the S&P 500 by $1,51912 Nov
  • Adam Back Says Bitcoin Could Reach $1 Million by Late 2028. What Would Have to Happen First?12 Nov
  • JPMorgan Chase & Co. (JPM) Up 2.4% Since Last Earnings Report: Can It Continue?12 Nov
  • MSCI Is Removing Strategy, Holder of 850,364 Bitcoin, From Its Indexes. Will Saylor Have to Sell BTC?12 Nov
  • Jamie Dimon Warned the American Dream Was “Slipping Out of Reach.” $19 Trillion in Debt May Explain Why12 Nov
  • Micron Is Back Above $800 After Its Best Day Since July12 Nov
  • JPMorgan Chase & Co. $JPM Shares Acquired by Ashton Thomas Private Wealth LLC12 Nov

Key Stats

Trading

Px/Chg 1D$332.38 / -0.24%
52 Wk H$0.00
52 Wk L$0.00
Avg Volume0.00
Beta0.00
Mkt Cap890.62B

Float

Shrs Out/Float2.68B / 2.67B
Short Float0.00%
Days to Cover0.00
Stock Repurchased$0.00

Current Valuation

EV1.83T
EV/EBITDA21.86
EV/Sales6.43
P/B2.45
P/S3.12
FCF Yield-23.78%
ROE0.00%
ROA0.00%
Current Ratio0.00

Estimates

P/E15.12
Est P/E0.00
Est EPS0.00
Est PEG0.00

Valuation

Metric5Yr AvgMay '23Apr '24Apr '25Apr '26Oct '26
PRICE-BASED RATIOS
Price / Earnings31.0810.9411.3712.0267.0654.00
Price / Sales6.462.682.382.6012.5512.09
Price / Book Value2.001.411.722.042.412.45
Price / Free Cash Flow5.743.8543.43-16.732.37-4.21
ENTERPRISE VALUE METRICS
Enterprise Value1,072,778.3414,683.9619,772.21,004,892.41,492,589.51,831,953.5
Enterprise Value / Sales11.072.702.623.7121.4424.87
Enterprise Value / EBITDA37.147.798.9712.1076.6580.20
Enterprise Value / EBIT41.778.9810.0613.3886.9889.46

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue21.8%127,238.0153,824.0236,273.0270,789.0279,745.0
Gross Income6.4%130,905.0121,392.0145,670.0158,785.0167,607.0
EBITDA4.8%67,494.053,217.069,124.083,019.081,416.0
EBIT5.1%59,562.046,166.061,612.075,081.072,595.0
Net Income4.2%48,334.037,676.049,552.058,471.057,048.0
EPS (Diluted)6.9%15.3612.0916.2319.7520.05
BALANCE SHEET
Cash & ST Inv2.1%1,361,956.01,124,045.01,228,249.01,367,721.01,479,747.0
Total Assets4.3%3,743,567.03,665,743.03,875,393.04,002,814.04,424,900.0
Total Liabilities4.2%3,449,440.03,373,411.03,547,515.03,658,056.04,062,462.0
Total Shareholder Equity5.4%294,127.0292,332.0327,878.0344,758.0362,438.0
CASH FLOW
Net Operating Cash Flow6.6%78,084.0107,119.012,974.0-42,012.0100,867.0
Cap Ex—-----
Free Cash Flow6.6%78,084.0107,119.012,974.0-42,012.0100,867.0

Enterprise Value Bridge

Millions USD13 Nov '26
Price (As of 13 Nov '26)346.22
Basic Shares2,679.51
Market Cap927,700.0
Diluted Shares2,683.00
Fully Diluted Shares Outstanding2,683.00
Fully Diluted Market Cap928,908.3
+Consolidated Debt1,234,891.0
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-326,271.0
−Short-term Investments-2,376,958.0
+Total Preferred21,040.0
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value1,857,360.0

Segment data

Revenue

by Products and services

  • Commercial And Investment Bank42%
  • Consumer & Community Banking41%
  • Asset And Wealth Management Segment13%
  • Segment Reporting, Reconciling Item, Corporate Nonsegment4%

Revenue

by Geography

  • North America77%
  • Emea13%
  • Asia Pacific8%
  • Latin America2%

Related companies

China Construction Bank Corporation

CICHY US

Bank Of America Corp /DE/

BAC US

Industrial & Commercial Bank of China Ltd.

IDCBY US

Wells Fargo & Company/mn

WFC US

Bank of China Limited

BACHY US

Toronto Dominion Bank

TD US

UBS Group AG

UBS US

Capital One Financial Corp

COF US

Bank Of Nova Scotia /

BNS US

Bank of Communications Co., Ltd.

BCMXY US

Pnc Financial Services Group, Inc.

PNC US

National Australia Bank Limited

NABZY US