"Building the Future of Finance"
Table of Contents
1. Company Snapshot
🌍 Global HQ: 383 Madison Ave, New York City
🌐 Operational Reach:
- $3.9T in assets (Largest US bank)
- 4,800+ branches nationwide
- 60M+ US households served
📅 Founded: 1799 (as Manhattan Company)
🏦 Financial Power: - Market Cap: $570B (2024)
- CET1 Ratio: 15% (Well above requirements)
2. Core Philosophy
🧬 Business Model:
“Universal bank with fortress balance sheet”
🌟 Strategic Advantages:
- CEO Jamie Dimon’s Leadership (18+ years at helm)
- CCB-ICB-CIB Synergy (Cross-selling engine)
- Tech Spending ($15B/year – more than most tech firms)
Culture: 4.1/5 Glassdoor | “High-performance with intense accountability”
3. Leadership
| Role | Leader | Domain Mastery |
|---|---|---|
| Chairman & CEO | Jamie Dimon | Crisis Navigator |
| CFO | Jeremy Barnum | Capital Allocator |
| CTO | Lori Beer | Digital Transformer |
Notable Alumni:
- Mary Erdoes (Asset Management legend)
- Jes Staley (Ex-Barclays CEO)
4. Evolution Timeline
🏛️ 2008: Acquired Bear Stearns/WaMu during crisis
📱 2016: Launched Chase Mobile (Now 50M+ active users)
🌐 2021: Formed new Payments division
2024:
- Lead underwriter for 35% of US IPOs
- AI used across 400+ use cases
5. Business Architecture
💰 Revenue Mix:
- Consumer Banking (35%)
- Corporate & Investment Bank (45%)
- Commercial Banking (15%)
- Asset & Wealth Management (5%)
🆚 Competitive Positioning:
| Competitor | JPM’s Edge |
|---|---|
| Bank of America | Stronger investment bank |
| Goldman Sachs | Better retail deposit base |
| Citi | More stable leadership |
6. Strategic Battlegrounds
🚀 Growth Vectors:
- Payments modernization (Real-time rails)
- AI-driven banking (IndexGPT trademark)
- Main Street expansion (500 new branches)
💣 Key Risks:
- Commercial real estate exposure
- Regulatory “too big to fail” scrutiny
7. Financial Fortress
| Metric | Value | Peer Comparison |
|---|---|---|
| Revenue | $160B | 2x Goldman Sachs |
- Net Income | $49B | 1/3 of all big bank profits |
- ROTE | 20%+ | Industry leader |
8. SWOT Analysis
💪 Unrivaled Strengths:
- #1 in both retail and investment banking
- AA- credit rating (Higher than US government)
📉 Structural Vulnerabilities:
- Limited emerging markets presence
- $35B CRE loan book
🌱 White Space Opportunities:
- Blockchain-based settlement (JPM Coin)
- Healthcare banking expansion
☠️ Existential Threats:
- CBDC disruption
- Private credit market share gains
9. 2024 Game Changers
💡 Innovation:
- AI cash flow forecasting for 15,000 clients
- Biometric payment pilots
🌍 Expansion:
- UK digital retail bank launch
- Brazil wealth management push
10. Interview Playbook
💡 Must-Know:
- “Fortress Balance Sheet” principles
- How CIB-CCB cross-referrals work
🎯 Killer Questions:
“How should JPMorgan respond to private credit growth?”
“What’s your view on Dimon’s ‘economic hurricane’ warning?”
11. Why JPMorgan Wins
Core Advantages:
🔹 Crisis-Proof: Only major bank to stay profitable in 2008
🔹 Tech Spend: $15B budget rivals Google’s capex
🔹 Talent Magnet: 300K+ employees with elite retention