Deposits

For further discussion on deposits, see Note 19 on page 296 of JPMorgan Chase’s 2012 Annual Report.

At March 31, 2013, and December 31, 2012, noninterest-bearing and interest-bearing deposits were as follows.



(in millions)	March 31, 2013		December 31, 2012
U.S. offices
Noninterest-bearing	$	363,780	$	380,320
Interest-bearing:
Demand^(a)	65,283		53,980
Savings^(b)	420,805		407,710
Time (included $5,724 and $5,140 at fair value)^(c)	85,246		90,416
Total interest-bearing deposits	571,334		552,106
Total deposits in U.S. offices	935,114		932,426
Non-U.S. offices
Noninterest-bearing	19,979		17,845
Interest-bearing:
Demand	198,769		195,395
Savings	1,122		1,004
Time (included $305 and $593 at fair value)^(c)	47,523		46,923
Total interest-bearing deposits	247,414		243,322
Total deposits in non-U.S. offices	267,393		261,167
Total deposits	$	1,202,507	$	1,193,593


(a)	Includes Negotiable Order of Withdrawal (“NOW”) accounts, and certain trust accounts.


(b)	Includes Money Market Deposit Accounts (“MMDAs”).


(c)	Includes structured notes classified as deposits for which the fair value option has been elected. For further discussion, see Note 4 on pages 214–216 of JPMorgan Chase’s 2012 Annual Report.