Quarterly figures Q2 2025 from $JPM (-0,06%)
📌 Complete overview
- Net profit15.0 billion US dollars
- Earnings per share (EPS)5.24 US dollars
- Return on equity (ROTCE)stable 21 %
- Share price on July 14288.70 US dollars
- Reaction to earnings (pre-market): -0,08 %
JPMorgan demonstrates with these figures continued strength in a difficult economic environment and builds on the already strong Q1 2025.
💼 Business development by segment
Consumer & Community Banking (CCB)
- Net profitUSD 5.2 billion (+23 % YoY)
- TurnoverUSD 18.8 bn (+6 % YoY)
- Drivers:
- Higher net interest income in the card business
- Non-interest income in Banking & Wealth Management
- Stronger leasing business in the automotive sector
Commercial & Investment Bank (CIB)
- Net profitUSD 6.7 billion (+13% YoY)
- TurnoverUSD 19.5 bn (+9 % YoY)
- Contribution to overall profitability remains substantial
Asset & Wealth Management
- Net profitUSD 1.5 bn (+17 % YoY)
- TurnoverUSD 5.8 billion
- Assets under Management (AUM)4.3 trillion USD
- Return on equity: 36 %
Corporate
- TurnoverUSD 1.5 billion (USD -8.6 billion YoY)
- Net profitUSD 1.7 billion
- Includes central control functions and treasury units
💵 Key financial figures & capital distribution
- Adjusted turnover45.7 billion USD
- ExpensesUSD 23.8 billion
- Adjusted cost/income ratio: 52 %
- Average loans1.4 trillion USD (+5 % YoY)
- Average deposits2.5 trillion USD (+6 % YoY)
- Dividend paymentUSD 3.9 billion (USD 1.40 per share)
- Share buybacksUSD 7.1 billion
- Payout ratio (12M rolling): 71 %
🧱 Balance sheet & liquidity ("Fortress strong")
- Balance sheet total4.6 trillion USD
- CET1 capitalUSD 284 billion
- CET1 ratio:
- 15.0 % (standardized approach)
- 15.1 % (advanced approach)
- Liquidity coverage ratio (LCR):
- Group: 113 %
- Bank: 120 %
- Surplus of high-quality liquid assets (HQLA)USD 274 billion
🔮 Outlook
- Net interest income (NII) full year 2025:
- New outlookUSD ~95.5 billion
- (previously: ~90 billion USD)
- Excluding Markets businessUSD ~92 billion
- Adjusted expenses 2025unchanged at ~95.5 bn USD
- Expected card default rate: ~3,6 %
✅ Conclusion
JPMorgan Chase shows operational strength and financial resilience in Q2 2025. With solid profitability in all segments, high capital distribution and increased annual guidance for interest income, the bank demonstrates stability and ability to grow - even in a challenging market environment. The robust balance sheet with a high CET1 ratio and strong liquidity underlines the "fortress" nature of the bank's structure.