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JPMorganChase Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary9 Dec, 2025
Consumer and economic environment
Consumer and small business financial health remains resilient, with stable cash buffers and healthy credit metrics across asset classes.
Spending is solid, but consumers are becoming more discerning, trading down, and being more promotion-aware.
Labor market demand is weakening, and consumer sentiment is low, making the environment more fragile.
Unemployment is expected to rise slightly next year, likely impacting consumption.
Divergence in spend growth between income bands is present but within normal historical trends.
Credit trends and charge-offs
Early-stage delinquencies in card and auto are stable or improving, with 30+ day card delinquencies down year-over-year.
2022 and 2023 auto loan vintages are normalizing, and 2024-2025 vintages look healthy.
Home lending delinquencies are up slightly but from a low base.
Small business delinquencies remain stable post-tariff changes, with businesses adapting through margin management and supply chain adjustments.
Card charge-off expectations for 2025 have been revised down to 3.3%, with a range of 3.6%-3.9% for 2026 depending on unemployment.
Financial performance and expenses
Fourth quarter investment banking fees are expected to be up low single digits year-over-year; markets revenue up low teens.
2025 firm-wide expenses are projected at $105 billion, driven mainly by volume/growth, strategic investments, and inflationary pressures.
Growth and volume-related expenses are the largest driver, followed by strategic investments in branches, technology, and marketing.
How has the 2026 charge-off outlook shifted?
Detail strategic investment returns for CCB
How will merchants react to new card flexibilities?
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Next JPMorganChase earnings date
Q4 202513 Jan, 2026
Next JPMorganChase earnings date
Q4 202513 Jan, 2026
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Frequently asked questions
One of the oldest and largest financial institutions in the world
JP Morgan Chase is a multinational investment bank and financial services company headquartered in New York City. The company was formed in 2000 through the merger of J.P. Morgan & Co. and Chase Manhattan Corporation.
The investment banking division
JPMorgan Chase generates a big part of its revenue through its investment banking services, which include advising on mergers and acquisitions, underwriting securities offerings, and managing assets for institutional and retail clients. The company's investment banking division is consistently ranked among the top performers in the industry, with JP Morgan Chase serving as a trusted advisor to some of the largest corporations in the world.
Retail services
JP Morgan Chase also operates a consumer banking division, offering a range of retail services such as checking and savings accounts, credit cards, mortgages, and auto loans. The company has a significant presence in the United States, with over 4,700 branches and 16,000 ATMs across the country.
Wealth management services to individuals and institutions
JP Morgan Chase's asset management division offers wealth management services to individuals and institutions. The company manages a wide range of assets, including equities, fixed income securities, and alternative investments. JP Morgan Chase's asset management division is one of the largest in the world, with over $3 trillion in assets under management.
JP Morgan Chase’s main competitors
JP Morgan Chase operates in a highly competitive financial services industry, with other public companies such as Bank of America, Wells Fargo, and Citigroup also offering similar services. JP Morgan Chase is known for its strong brand reputation and its focus on innovation, with the company investing heavily in technology to improve its services and stay ahead of the competition.
Interesting facts about JP Morgan Chase
JP Morgan Chase has a long history and a significant impact on the financial industry. The company's namesake, John Pierpont Morgan, was one of the most influential financiers in history, playing a pivotal role in the development of the modern financial system.
JP Morgan Chase has also been involved in some of the most significant financial transactions in history, including the financing of the construction of the Titanic and the merger of Exxon and Mobil.
The company is known for its corporate social responsibility initiatives, including investments in affordable housing and small business development.
JP Morgan Chase is also a significant employer, with over 250,000 employees worldwide. The company has been recognized for its commitment to diversity and inclusion, and its efforts to create a more equitable workplace.
Despite facing criticism over issues such as its role in the 2008 financial crisis and its ties to fossil fuel companies, JP Morgan Chase remains a leader in the financial services industry and continues to shape the future of finance through its innovative approach to technology and sustainability.
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