Loans (Tables)

3 Months Ended

Mar. 31, 2016

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loan portfolio segment descriptions

The Firm’s loan portfolio is divided into three portfolio segments, which are the same segments used by the Firm to determine the allowance for loan losses: Consumer, excluding credit card; Credit card; and Wholesale. Within each portfolio segment, the Firm monitors and assesses the credit risk in the following classes of loans, based on the risk characteristics of each loan class:

Consumer, excluding credit card(a)	Credit card	Wholesale(f)
Residential real estate – excluding PCI • Home equity(b) • Residential mortgage(c) Other consumer loans • Auto(d) • Business banking(d)(e) • Student and other Residential real estate – PCI • Home equity • Prime mortgage • Subprime mortgage • Option ARMs	• Credit card loans	• Commercial and industrial • Real estate • Financial institutions • Government agencies • Other(g)

(a) Includes loans held in CCB, prime mortgage and home equity loans held in AM and prime mortgage loans held in Corporate.

(b) Includes senior and junior lien home equity loans.

(c) Includes Prime (including option adjustable rate mortgages (“ARMs”)) and subprime loans.

(d) Includes certain business banking and auto dealer risk-rated loans that apply the wholesale methodology for determining the allowance for loan losses; these loans are managed by CCB, and therefore, for consistency in presentation, are included with the other consumer loan classes.

(e) Predominantly includes Business Banking loans as well as deposit overdrafts.

(f) Includes loans held in CIB, CB, AM and Corporate. Excludes prime mortgage and home equity loans held in AM and prime mortgage loans held in Corporate. Classes are internally defined and may not align with regulatory definitions.

(g) Includes loans to: individuals; special-purpose entities (“SPEs”); holding companies; and private education and civic organizations. For more information on exposures to SPEs, see Note 16 of JPMorgan Chase’s 2015Annual Report

Schedule of loans by portfolio segment

The following tables summarize the Firm’s loan balances by portfolio segment.

March 31, 2016	Consumer, excluding credit card		Credit card(a)		Wholesale		Total
(in millions)
Retained	$	353,871	$	126,012	$	364,312	$	844,195	(b)
Held-for-sale	321		78		796		1,195
At fair value	—		—		1,923		1,923
Total	$	354,192	$	126,090	$	367,031	$	847,313
December 31, 2015	Consumer, excluding credit card		Credit card(a)		Wholesale		Total
(in millions)
Retained	$	344,355	$	131,387	$	357,050	$	832,792	(b)
Held-for-sale	466		76		1,104		1,646
At fair value	—		—		2,861		2,861
Total	$	344,821	$	131,463	$	361,015	$	837,299

(a) Includes billed finance charges and fees net of an allowance for uncollectible amounts.

(b) Loans (other than PCI loans and those for which the fair value option has been elected) are presented net of unearned income, unamortized discounts and premiums, and net deferred loan costs. These amounts were not material as of March 31, 2016, and December 31, 2015.

Schedule of retained loans purchased, sold and reclassified to held-for-sale

These tables exclude loans recorded at fair value.The Firm manages its exposure to credit risk on an ongoing basis. Selling loans is one way that the Firm reduces its credit exposures.

	2016									2015
Three months ended March 31, (in millions)	Consumer, excluding credit card			Credit card		Wholesale		Total		Consumer, excluding credit card			Credit card			Wholesale		Total
Purchases	$	1,265	(a)(b)	$	—	$	288	$	1,553	$	1,608	(a)(b)	$	—		$	208	$	1,816
Sales	760			—		1,664		2,424		1,736			—		(c)	2,449		4,185
Retained loans reclassified to held-for-sale	65			—		489		554		18			—			320		338

(a) Purchases predominantly represent the Firm’s voluntary repurchase of certain delinquent loans from loan pools as permitted by Ginnie Mae guidelines. The Firm typically elects to repurchase these delinquent loans as it continues to service them and/or manage the foreclosure process in accordance with applicable requirements of Ginnie Mae, the Federal Housing Administration (“FHA”), Rural Housing Services (“RHS”) and/or the U.S. Department of Veterans Affairs (“VA”).

(b) Excludes purchases of retained loans sourced through the correspondent origination channel and underwritten in accordance with the Firm’s standards. Such purchases were $8.7 billionand $11.2 billionfor the three months ended March 31, 2016and 2015, respectively.

(c) Prior period amounts have been revised to conform with current period presentation.

Schedule of gains/(losses) on loan sales by portfolio segment

The following table provides information about gains and losses, including lower of cost or fair value adjustments, on loan sales by portfolio segment.

	Three months ended March 31,
(in millions)	2016			2015
Net gains/(losses) on sales of loans (including lower of cost or fair value adjustments)(a)
Consumer, excluding credit card	$	53		$	91
Credit card	—			16
Wholesale	(2		)	(6		)
Total net gains on sales of loans (including lower of cost or fair value adjustments)	$	51		$	101

(a) Excludes sales related to loans accounted for at fair value.

Consumer, excluding credit card

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of loans by portfolio segment

The table below provides information about retained consumer loans, excluding credit card, by class.

(in millions)	March 31, 2016		December 31, 2015
Residential real estate –   excluding PCI
Home equity	$	43,932	$	45,559
Residential mortgage	176,106		166,239
Other consumer loans
Auto	62,937		60,255
Business banking	21,370		21,208
Student and other	9,783		10,096
Residential real estate – PCI
Home equity	14,522		14,989
Prime mortgage	8,594		8,893
Subprime mortgage	3,174		3,263
Option ARMs	13,453		13,853
Total retained loans	$	353,871	$	344,355

Consumer, excluding credit card | Residential real estate – PCI

Accounts, Notes, Loans and Financing Receivable [Line Items]

Certain loans acquired in transfer accretable yield movement roll forward

The table below sets forth the accretable yield activity for the Firm’s PCI consumer loans for thethree months endedMarch 31, 2016 and 2015, and represents the Firm’s estimate of gross interest income expected to be earned over the remaining life of the PCI loan portfolios. The table excludes the cost to fund the PCI portfolios, and therefore the accretable yield does not represent net interest income expected to be earned on these portfolios.

	Total PCI
(in millions, except ratios)	Three months ended March 31,
	2016			2015
Beginning balance	$	13,491		$	14,592
Accretion into interest income	(407		)	(436		)
Changes in interest rates on variable-rate loans	76			6
Other changes in expected cash flows(a)	(486		)	(128		)
Balance at March 31	$	12,674		$	14,034
Accretable yield percentage	4.35		%	4.14		%

(a) Other changes in expected cash flows may vary from period to period as the Firm continues to refine its cash flow model and periodically updates model assumptions. For the three months endedMarch 31, 2016 and 2015, other changes in expected cash flows were driven by changes in prepayment assumptions.

Consumer, excluding credit card | Residential real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of financing receivable credit quality indicators

The following table provides information by class for residential real estate – excluding retained PCI loans in the consumer, excluding credit card, portfolio segment.

Residential real estate – excluding PCI loans
(in millions, except ratios)	Home equity(g)						Residential mortgage(g)						Total residential real estate – excluding PCI
	Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015
Loan delinquency(a)
Current	$	42,765		$	44,299		$	167,044		$	156,463		$	209,809		$	200,762
30–149 days past due	626			708			3,596			4,042			4,222			4,750
150 or more days past due	541			552			5,466			5,734			6,007			6,286
Total retained loans	$	43,932		$	45,559		$	176,106		$	166,239		$	220,038		$	211,798
% of 30+ days past due to total retained loans(b)	2.66		%	2.77		%	0.93		%	1.03		%	1.27		%	1.40		%
90 or more days past due and government guaranteed(c)	$	—		$	—		$	5,555		$	6,056		$	5,555		$	6,056
Nonaccrual loans	2,153			2,191			2,423			2,503			4,576			4,694
Current estimated LTV ratios(d)(e)
Greater than 125% and refreshed FICO scores:
Equal to or greater than 660	$	129		$	165		$	55		$	58		$	184		$	223
Less than 660	30			32			63			77			93			109
101% to 125% and refreshed FICO scores:
Equal to or greater than 660	1,051			1,344			215			274			1,266			1,618
Less than 660	347			434			253			291			600			725
80% to 100% and refreshed FICO scores:
Equal to or greater than 660	4,096			4,537			2,873			3,159			6,969			7,696
Less than 660	1,260			1,409			895			996			2,155			2,405
Less than 80% and refreshed FICO scores:
Equal to or greater than 660	29,228			29,648			152,452			142,241			181,680			171,889
Less than 660	4,917			4,934			6,861			6,797			11,778			11,731
No FICO/LTV available	2,874			3,056			1,885			1,658			4,759			4,714
U.S. government-guaranteed	—			—			10,554			10,688			10,554			10,688
Total retained loans	$	43,932		$	45,559		$	176,106		$	166,239		$	220,038		$	211,798
Geographic region
California	$	8,618		$	8,945		$	51,353		$	47,263		$	59,971		$	56,208
New York	8,810			9,147			22,435			21,462			31,245			30,609
Illinois	3,292			3,420			12,181			11,524			15,473			14,944
Texas	2,437			2,532			9,711			9,128			12,148			11,660
Florida	2,418			2,409			7,532			7,177			9,950			9,586
New Jersey	2,514			2,590			5,872			5,567			8,386			8,157
Washington	1,398			1,451			4,483			4,176			5,881			5,627
Arizona	2,053			2,143			3,338			3,155			5,391			5,298
Michigan	1,296			1,350			2,016			1,945			3,312			3,295
Ohio	1,587			1,652			1,302			1,247			2,889			2,899
All other(f)	9,509			9,920			55,883			53,595			65,392			63,515
Total retained loans	$	43,932		$	45,559		$	176,106		$	166,239		$	220,038		$	211,798

(a) Individual delinquency classifications include mortgage loans insured by U.S. government agencies as follows: current included $3.1 billion and $2.6 billion; 30–149 days past due included $2.8 billion and $3.2 billion; and 150 or more days past due included $4.7 billion and $4.9 billion at March 31, 2016, and December 31, 2015, respectively.

(b) At March 31, 2016, and December 31, 2015, Residential mortgage loans excluded mortgage loans insured by U.S. government agencies of $7.5 billion and $8.1 billion, respectively. These amounts have been excluded from nonaccrual loans based upon the government guarantee.

(c) These balances, which are 90 days or more past due, were excluded from nonaccrual loans as the loans are guaranteed by U.S government agencies. Typically the principal balance of the loans is insured and interest is guaranteed at a specified reimbursement rate subject to meeting agreed-upon servicing guidelines. At March 31, 2016, and December 31, 2015, these balances included $3.2 billion and $3.4 billion, respectively, of loans that are no longer accruing interest based on the agreed-upon servicing guidelines. For the remaining balance, interest is being accrued at the guaranteed reimbursement rate. There were no loans not guaranteed by U.S. government agencies that are 90 or more days past due and still accruing at March 31, 2016, and December 31, 2015.

(d) Represents the aggregate unpaid principal balance of loans divided by the estimated current property value. Current property values are estimated, at a minimum, quarterly, based on home valuation models using nationally recognized home price index valuation estimates incorporating actual data to the extent available and forecasted data where actual data is not available. These property values do not represent actual appraised loan level collateral values; as such, the resulting ratios are necessarily imprecise and should be viewed as estimates. Current estimated combined loan-to-value (“LTV”) for junior lien home equity loans considers all available lien positions, as well as unused lines, related to the property.

(e) Refreshed FICO scores represent each borrower’s most recent credit score, which is obtained by the Firm on at least a quarterly basis.

(f) At March 31, 2016, and December 31, 2015, included mortgage loans insured by U.S. government agencies of $10.6 billion and $10.7 billion, respectively.

(g) Includes residential real estate loans to private banking clients in AM, for which the primary credit quality indicators are the borrower’s financial position and LTV.

Consumer, excluding credit card | Residential real estate | Residential real estate – PCI

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of financing receivable credit quality indicators

The table below sets forth information about the Firm’s consumer, excluding credit card, PCI loans.

(in millions, except ratios)	Home equity						Prime mortgage						Subprime mortgage						Option ARMs						Total PCI
	Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015
Carrying value(a)	$	14,522		$	14,989		$	8,594		$	8,893		$	3,174		$	3,263		$	13,453		$	13,853		$	39,743		$	40,998
Related allowance for loan losses(b)	1,708			1,708			938			985			—			—			49			49			2,695			2,742
Loan delinquency (based on unpaid principal balance)
Current	$	13,997		$	14,387		$	7,658		$	7,894		$	3,208		$	3,232		$	12,118		$	12,370		$	36,981		$	37,883
30–149 days past due	285			322			407			424			385			439			635			711			1,712			1,896
150 or more days past due	571			633			556			601			334			380			1,150			1,272			2,611			2,886
Total loans	$	14,853		$	15,342		$	8,621		$	8,919		$	3,927		$	4,051		$	13,903		$	14,353		$	41,304		$	42,665
% of 30+ days past due to total loans	5.76		%	6.22		%	11.17		%	11.49		%	18.31		%	20.22		%	12.84		%	13.82		%	10.47		%	11.21		%
Current estimated LTV ratios (based on unpaid principal balance)(c)(d)
Greater than 125% and refreshed FICO scores:
Equal to or greater than 660	$	116		$	153		$	9		$	10		$	7		$	10		$	16		$	19		$	148		$	192
Less than 660	67			80			21			28			41			55			28			36			157			199
101% to 125% and refreshed FICO scores:
Equal to or greater than 660	776			942			89			120			58			77			125			166			1,048			1,305
Less than 660	367			444			121			152			183			220			192			239			863			1,055
80% to 100% and refreshed FICO scores:
Equal to or greater than 660	2,421			2,709			667			816			285			331			817			977			4,190			4,833
Less than 660	1,039			1,136			523			614			572			643			902			1,050			3,036			3,443
Lower than 80% and refreshed FICO scores:
Equal to or greater than 660	6,891			6,724			4,264			4,243			907			863			7,081			7,073			19,143			18,903
Less than 660	2,322			2,265			2,453			2,438			1,676			1,642			4,058			4,065			10,509			10,410
No FICO/LTV available	854			889			474			498			198			210			684			728			2,210			2,325
Total unpaid principal balance	$	14,853		$	15,342		$	8,621		$	8,919		$	3,927		$	4,051		$	13,903		$	14,353		$	41,304		$	42,665
Geographic region (based on unpaid principal balance)
California	$	8,917		$	9,205		$	5,008		$	5,172		$	979		$	1,005		$	7,870		$	8,108		$	22,774		$	23,490
New York	767			788			559			580			386			400			785			813			2,497			2,581
Illinois	349			358			250			263			190			196			317			333			1,106			1,150
Texas	213			224			89			94			235			243			72			75			609			636
Florida	1,433			1,479			562			586			362			373			1,144			1,183			3,501			3,621
New Jersey	304			310			231			238			133			139			449			470			1,117			1,157
Washington	785			819			188			194			77			81			329			339			1,379			1,433
Arizona	273			281			139			143			74			76			199			203			685			703
Michigan	42			44			135			141			109			113			145			150			431			448
Ohio	16			17			43			45			61			62			55			61			175			185
All other	1,754			1,817			1,417			1,463			1,321			1,363			2,538			2,618			7,030			7,261
Total unpaid principal balance	$	14,853		$	15,342		$	8,621		$	8,919		$	3,927		$	4,051		$	13,903		$	14,353		$	41,304		$	42,665

(a) Carrying value includes the effect of fair value adjustments that were applied to the consumer PCI portfolio at the date of acquisition.

(b) Management concluded as part of the Firm’s regular assessment of the PCI loan pools that it was probable that higher expected credit losses would result in a decrease in expected cash flows. As a result, an allowance for loan losses for impairment of these pools has been recognized.

(c) Represents the aggregate unpaid principal balance of loans divided by the estimated current property value. Current property values are estimated, at a minimum, quarterly, based on home valuation models using nationally recognized home price index valuation estimates incorporating actual data to the extent available and forecasted data where actual data is not available. These property values do not represent actual appraised loan level collateral values; as such, the resulting ratios are necessarily imprecise and should be viewed as estimates. Current estimated combined LTV for junior lien home equity loans considers all available lien positions, as well as unused lines, related to the property.

(d) Refreshed FICO scores represent each borrower’s most recent credit score, which is obtained by the Firm on at least a quarterly basis.

Consumer, excluding credit card | Home equity | Residential real estate – PCI | Junior lien

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of financing receivable credit quality indicators

Approximately23%of the PCI home equity portfolio are senior lien loans; the remaining balance are junior lien HELOANs or HELOCs.The following tables set forth delinquency statistics for PCI junior lien home equity loans and lines of credit based on the unpaid principal balance as ofMarch 31, 2016, and December 31, 2015.

	Total loans				Total 30+ day delinquency rate
(in millions, except ratios)	Mar 31, 2016		Dec 31, 2015		Mar 31, 2016		Dec 31, 2015
HELOCs:(a)
Within the revolving period(b)	$	4,277	$	5,000	3.62	%	4.10	%
Beyond the revolving period(c)	6,598		6,252		4.02		4.46
HELOANs	554		582		4.87		5.33
Total	$	11,429	$	11,834	3.91	%	4.35	%

(a) In general, these HELOCs are revolving loans for a 10-year period, after which time the HELOC converts to an interest-only loan with a balloon payment at the end of the loan’s term.

(b) Substantially all undrawn HELOCs within the revolving period have been closed.

(c) Includes loans modified into fixed rate amortizing loans.

Consumer, excluding credit card | Mortgages

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of impaired financing receivables

The table below sets forth information about the Firm’s residential real estate impaired loans, excluding PCI loans. These loans are considered to be impaired as they have been modified in a troubled debt restructuring (“TDR”). All impaired loans are evaluated for an asset-specific allowance as described in Note 15 of JPMorgan Chase’s 2015Annual Report.

(in millions)	Home equity				Residential mortgage				Total residential real estate – excluding PCI
	Mar 31, 2016		Dec 31, 2015		Mar 31, 2016		Dec 31, 2015		Mar 31, 2016		Dec 31, 2015
Impaired loans
With an allowance	$	1,303	$	1,293	$	5,129	$	5,243	$	6,432	$	6,536
Without an allowance(a)	1,059		1,065		1,401		1,447		2,460		2,512
Total impaired loans(b)(c)	$	2,362	$	2,358	$	6,530	$	6,690	$	8,892	$	9,048
Allowance for loan losses related to impaired loans	$	167	$	138	$	90	$	108	$	257	$	246
Unpaid principal balance of impaired loans(d)	3,957		3,960		8,896		9,082		12,853		13,042
Impaired loans on nonaccrual status(e)	1,211		1,220		1,883		1,957		3,094		3,177

(a) Represents collateral-dependent residential mortgage loans that are charged off to the fair value of the underlying collateral less cost to sell. The Firm reports, in accordance with regulatory guidance, residential real estate loans that have been discharged under Chapter 7 bankruptcy and not reaffirmed by the borrower (“Chapter 7 loans”) as collateral-dependent nonaccrual TDRs, regardless of their delinquency status. At March 31, 2016, Chapter 7 residential real estate loans included approximately 12% of home equity and 16% of residential mortgages that were 30 days or more past due.

(b) At both March 31, 2016, and December 31, 2015, $3.8 billion of loans modified subsequent to repurchase from Government National Mortgage Association (“Ginnie Mae”) in accordance with the standards of the appropriate government agency (i.e., FHA, VA, RHS) are not included in the table above. When such loans perform subsequent to modification in accordance with Ginnie Mae guidelines, they are generally sold back into Ginnie Mae loan pools. Modified loans that do not re-perform become subject to foreclosure.

(c) Predominantly all residential real estate impaired loans, excluding PCI loans, are in the U.S.

(d) Represents the contractual amount of principal owed at March 31, 2016, and December 31, 2015. The unpaid principal balance differs from the impaired loan balances due to various factors, including charge-offs; net deferred loan fees or costs; and unamortized discounts or premiums on purchased loans.

(e) As of both March 31, 2016, and December 31, 2015, nonaccrual loans included $2.5 billion of TDRs for which the borrowers were less than 90 days past due. For additional information about loans modified in a TDR that are on nonaccrual status refer to the Loan accounting framework in Note 14 of JPMorgan Chase’s 2015Annual Report.

Schedule of impaired financing receivables, average recorded investment

The following table presents average impaired loans and the related interest income reported by the Firm.

Three months ended March 31,	Average impaired loans				Interest income on impaired loans(a)				Interest income on impaired loans on a cash basis(a)
(in millions)	2016		2015		2016		2015		2016		2015
Home equity	$	2,360	$	2,393	$	31	$	33	$	21	$	22
Residential mortgage	6,615		8,876		78		96		19		23
Total residential real estate – excluding PCI	$	8,975	$	11,269	$	109	$	129	$	40	$	45

(a) Generally, interest income on loans modified in TDRs is recognized on a cash basis until such time as the borrower has made a minimum of six payments under the new terms.

Troubled debt restructuring on financing receivables

The following table presents new TDRs reported by the Firm.

	Three months ended March 31,
(in millions)	2016		2015
Home equity	$	126	$	72
Residential mortgage	63		82
Total residential real estate – excluding PCI	$	189	$	154

Troubled debt restructuring on financing receivables nature and extent of modifications

The following table provides information about how residential real estate loans, excluding PCI loans, were modified under the Firm’s loss mitigation programs during the periods presented. This table excludes Chapter 7 loans where the sole concession granted is the discharge of debt.

Three months ended March 31,									Total residential real estate - excluding PCI
	Home equity				Residential mortgage
	2016		2015		2016		2015		2016		2015
Number of loans approved for a trial modification	1,049		510		580		667		1,629		1,177
Number of loans permanently modified	1,692		770		732		850		2,424		1,620
Concession granted:(a)
Interest rate reduction	66	%	76	%	74	%	68	%	68	%	72	%
Term or payment extension	90		84		89		82		90		83
Principal and/or interest deferred	16		29		23		30		18		30
Principal forgiveness	9		5		25		30		14		18
Other(b)	1		—		18		10		6		5

(a) Represents concessions granted in permanent modifications as a percentage of the number of loans permanently modified. The sum of the percentages exceeds 100% because predominantly all of the modifications include more than one type of concession. A significant portion of trial modifications include interest rate reductions and/or term or payment extensions.

(b) Represents variable interest rate to fixed interest rate modifications.

Troubled debt restructuring on financing receivables, financial effects of modifications and re-defaults

The following table provides information about the financial effects of the various concessions granted in modifications of residential real estate loans, excluding PCI, under the Firm’s loss mitigation programs and about redefaults of certain loans modified in TDRs for the periods presented. Because the specific types and amounts of concessions offered to borrowers frequently change between the trial modification and the permanent modification, the following table presents only the financial effects of permanent modifications. This table also excludes Chapter 7 loans where the sole concession granted is the discharge of debt.

Three months ended March 31, (in millions, except weighted-average data  and number of loans	Home equity				Residential mortgage				Total residential real estate – excluding PCI
	2016		2015		2016		2015		2016		2015
Weighted-average interest rate of loans with interest rate reductions – before TDR	5.03%		5.42%		5.51%		5.78%		5.28%		5.68%
Weighted-average interest rate of loans with interest rate reductions – after TDR	2.42		2.42		2.83		2.74		2.64		2.64
Weighted-average remaining contractual term (in years) of loans with term or payment extensions – before TDR	18		18		25		25		21		23
Weighted-average remaining contractual term (in years) of loans with term or payment extensions – after TDR	38		33		38		37		38		36
Charge-offs recognized upon permanent modification	$	1	$	1	$	1	$	2	$	2	$	3
Principal deferred	8		6		10		18		18		24
Principal forgiven	3		1		12		19		15		20
Balance of loans that redefaulted within one year of permanent modification(a)	$	10	$	5	$	26	$	35	$	36	$	40

(a) Represents loans permanently modified in TDRs that experienced a payment default in the periods presented, and for which the payment default occurred within one year of the modification. The dollar amounts presented represent the balance of such loans at the end of the reporting period in which such loans defaulted. For residential real estate loans modified in TDRs, payment default is deemed to occur when the loan becomes two contractual payments past due. In the event that a modified loan redefaults, it is probable that the loan will ultimately be liquidated through foreclosure or another similar type of liquidation transaction. Redefaults of loans modified within the last 12 months may not be representative of ultimate redefault levels.

Consumer, excluding credit card | Other Consumer

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of financing receivable credit quality indicators

The table below provides information for other consumer retained loan classes, including auto, business banking and student loans.

(in millions, except ratios)	Auto						Business banking						Student and other								Total other consumer
	Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016				Dec 31, 2015				Mar 31, 2016				Dec 31, 2015
Loan delinquency(a)
Current	$	62,343		$	59,442		$	21,047		$	20,887		$	9,186			$	9,405			$	92,576			$	89,734
30–119 days past due	585			804			202			215			366				445				1,153				1,464
120 or more days past due	9			9			121			106			231				246				361				361
Total retained loans	$	62,937		$	60,255		$	21,370		$	21,208		$	9,783			$	10,096			$	94,090			$	91,559
% of 30+ days past due to total retained loans	0.94		%	1.35		%	1.51		%	1.51		%	1.29		%	(d)	1.63		%	(d)	1.11		%	(d)	1.42		%	(d)
90 or more days past due and  still accruing (b)	$	—		$	—		$	—		$	—		$	269			$	290			$	269			$	290
Nonaccrual loans	102			116			290			263			196				242				588				621
Geographic region
California	$	7,578		$	7,186		$	3,644		$	3,530		$	1,023			$	1,051			$	12,245			$	11,767
New York	3,949			3,874			3,357			3,359			1,205				1,224				8,511				8,457
Illinois	3,914			3,678			1,511			1,459			651				679				6,076				5,816
Texas	6,768			6,457			2,569			2,622			814				839				10,151				9,918
Florida	3,066			2,843			951			941			501				516				4,518				4,300
New Jersey	2,032			1,998			492			500			347				366				2,871				2,864
Washington	1,162			1,135			269			264			206				212				1,637				1,611
Arizona	2,100			2,033			1,217			1,205			232				236				3,549				3,474
Michigan	1,528			1,550			1,359			1,361			396				415				3,283				3,326
Ohio	2,316			2,340			1,357			1,363			541				559				4,214				4,262
All other	28,524			27,161			4,644			4,604			3,867				3,999				37,035				35,764
Total retained loans	$	62,937		$	60,255		$	21,370		$	21,208		$	9,783			$	10,096			$	94,090			$	91,559
Loans by risk ratings(c)
Noncriticized	$	11,906		$	11,277		$	15,637		$	15,505		NA				NA				$	27,543			$	26,782
Criticized performing	218			76			799			815			NA				NA				1,017				891
Criticized nonaccrual	—			—			238			210			NA				NA				238				210

(a) Student loan delinquency classifications included loans insured by U.S. government agencies under the Federal Family Education Loan Program (“FFELP”) as follows: current included $3.8 billion and $3.8 billion; 30-119 days past due included $256 million and $299 million; and 120 or more days past due included $215 million and $227 million at March 31, 2016, and December 31, 2015, respectively.

(b) These amounts represent student loans, which are insured by U.S. government agencies under the FFELP. These amounts were accruing as reimbursement of insured amounts is proceeding normally.

(c) For risk-rated business banking and auto loans, the primary credit quality indicator is the risk rating of the loan, including whether the loans are considered to be criticized and/or nonaccrual.

(d) March 31, 2016, and December 31, 2015, excluded loans 30 days or more past due and still accruing, which are insured by U.S. government agencies under the FFELP, of $471 million and $526 million, respectively. These amounts were excluded as reimbursement of insured amounts is proceeding normally.

Schedule of impaired financing receivables

The table below sets forth information about the Firm’s other consumer impaired loans, including risk-rated business banking and auto loans that have been placed on nonaccrual status, and loans that have been modified in TDRs.

(in millions)	March 31, 2016		December 31, 2015
Impaired loans
With an allowance	$	545	$	527
Without an allowance(a)	31		31
Total impaired loans(b)(c)	$	576	$	558
Allowance for loan losses related to  impaired loans	$	114	$	118
Unpaid principal balance of impaired loans(d)	685		668
Impaired loans on nonaccrual status	445		449

(a) When discounted cash flows, collateral value or market price equals or exceeds the recorded investment in the loan, the loan does not require an allowance. This typically occurs when the impaired loans have been partially charged off and/or there have been interest payments received and applied to the loan balance.

(b) Predominantly all other consumer impaired loans are in the U.S.

(c) Other consumer average impaired loans were $571 million and $587 million for the three months ended March 31, 2016 and 2015, respectively. The related interest income on impaired loans, including those on a cash basis, was not material for the three months endedMarch 31, 2016 and 2015.

(d) Represents the contractual amount of principal owed at March 31, 2016, and December 31, 2015. The unpaid principal balance differs from the impaired loan balances due to various factors, including charge-offs; interest payments received and applied to the principal balance; net deferred loan fees or costs; and unamortized discounts or premiums on purchased loans.

Troubled debt restructuring on financing receivables

The following table provides information about the Firm’s other consumer loans modified in TDRs. New TDRs were not material for thethree months endedMarch 31, 2016 and 2015.

(in millions)	March 31, 2016		December 31, 2015
Loans modified in TDRs(a)(b)	$	369	$	384
TDRs on nonaccrual status	238		275

(a) The impact of these modifications was not material to the Firm for the three months endedMarch 31, 2016 and 2015.

(b) Additional commitments to lend to borrowers whose loans have been modified in TDRs as of March 31, 2016, and December 31, 2015, were immaterial.

Consumer, excluding credit card | Home equity

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of financing receivable credit quality indicators

The following table represents the Firm’s delinquency statistics for junior lien home equity loans and lines as ofMarch 31, 2016, and December 31, 2015.

	Total loans				Total 30+ day delinquency rate
(in millions, except ratios)	Mar 31, 2016		Dec 31, 2015		Mar 31, 2016		Dec 31, 2015
HELOCs:(a)
Within the revolving period(b)	$	15,136	$	17,050	1.38	%	1.57	%
Beyond the revolving period	11,986		11,252		2.85		3.10
HELOANs	2,266		2,409		2.87		3.03
Total	$	29,388	$	30,711	2.10	%	2.25	%

(a) These HELOCs are predominantly revolving loans for a 10-year period, after which time the HELOC converts to a loan with a 20-year amortization period, but also include HELOCs that allow interest-only payments beyond the revolving period.

(b) The Firm manages the risk of HELOCs during their revolving period by closing or reducing the undrawn line to the extent permitted by law when borrowers are experiencing financial difficulty or when the collateral does not support the loan amount.

Credit card

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of financing receivable credit quality indicators

The table below sets forth information about the Firm’s credit card loans.

(in millions, except ratios)	March 31, 2016			December 31, 2015
Loan delinquency
Current and less than 30 days  past due and still accruing	$	124,187		$	129,502
30–89 days past due and still accruing	885			941
90 or more days past due and still accruing	940			944
Total retained credit card loans	$	126,012		$	131,387
Loan delinquency ratios
% of 30+ days past due to total retained loans	1.45		%	1.43		%
% of 90+ days past due to total retained loans	0.75			0.72
Credit card loans by geographic region
California	$	18,105		$	18,802
Texas	11,517			11,847
New York	10,871			11,360
Florida	7,564			7,806
Illinois	7,319			7,655
New Jersey	5,603			5,879
Ohio	4,445			4,700
Pennsylvania	4,296			4,533
Michigan	3,365			3,562
Colorado	3,272			3,399
All other	49,655			51,844
Total retained credit card loans	$	126,012		$	131,387
Percentage of portfolio based on carrying value with estimated refreshed FICO scores(a)
Equal to or greater than 660	84.6		%	84.4		%
Less than 660	14.0			13.1
No FICO available	1.4			2.5

Schedule of impaired financing receivables

The table below sets forth information about the Firm’s impaired credit card loans. All of these loans are considered to be impaired as they have been modified in TDRs.

(in millions)	March 31, 2016		December 31, 2015
Impaired credit card loans with an allowance(a)(b)
Credit card loans with modified payment terms(c)	$	1,217	$	1,286
Modified credit card loans that have reverted to pre-modification payment terms(d)	164		179
Total impaired credit card loans(e)	$	1,381	$	1,465
Allowance for loan losses related to impaired credit card loans	$	427	$	460

(a) The carrying value and the unpaid principal balance are the same for credit card impaired loans.

(b) There were no impaired loans without an allowance.

(c) Represents credit card loans outstanding to borrowers enrolled in a credit card modification program as of the date presented.

(d) Represents credit card loans that were modified in TDRs but that have subsequently reverted back to the loans’ pre-modification payment terms.

At March 31, 2016, and December 31, 2015, $104 million and $113 million, respectively, of loans have reverted back to the pre-modification payment terms of the loans due to noncompliance with the terms of the modified loans. The remaining $60 million and $66 million at March 31, 2016, and December 31, 2015, respectively, of these loans are to borrowers who have successfully completed a short-term modification program. The Firm continues to report these loans as TDRs since the borrowers’ credit lines remain closed.

(e) Predominantly all impaired credit card loans are in the U.S.

Schedule of impaired financing receivables, average recorded investment

The following table presents average balances of impaired credit card loans and interest income recognized on those loans.

	Three months ended March 31,
(in millions)	2016		2015
Average impaired credit card loans	$	1,436	$	1,940
Interest income on impaired credit card loans	17		23

Troubled debt restructuring on financing receivables, financial effects of modifications and re-defaults

The following table provides information about the financial effects of the concessions granted on credit card loans modified in TDRs and redefaults for the periods presented.

(in millions, except weighted-average data)	Three months ended March 31,
	2016			2015
Weighted-average interest rate of loans – before TDR	15.48		%	15.16		%
Weighted-average interest rate of loans – after TDR	4.76			4.29
Loans that redefaulted within one year of modification(a)	$	19		$	22

(a) Represents loans modified in TDRs that experienced a payment default in the periods presented, and for which the payment default occurred within one year of the modification. The amounts presented represent the balance of such loans as of the end of the quarter in which they defaulted.

Wholesale

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of financing receivable credit quality indicators

The table below provides information by class of receivable for the retained loans in the Wholesale portfolio segment.

	Commercial  and industrial						Real estate						Financial institutions						Government agencies						Other(d)						Total retained loans
(in millions,  except ratios)	Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015
Loans by risk ratings
Investment-grade	$	63,651		$	62,150		$	77,064		$	74,330		$	21,558		$	21,786		$	11,457		$	11,363		$	95,963		$	98,107		$	269,693		$	267,736
Noninvestment-grade:
Noncriticized	47,501			45,632			17,652			17,008			6,943			7,667			449			256			11,861			11,390			84,406			81,953
Criticized performing	6,432			4,542			1,132			1,251			316			320			6			7			124			253			8,010			6,373
Criticized nonaccrual	1,722			608			253			231			11			10			—			—			217			139			2,203			988
Total noninvestment- grade	55,655			50,782			19,037			18,490			7,270			7,997			455			263			12,202			11,782			94,619			89,314
Total retained loans	$	119,306		$	112,932		$	96,101		$	92,820		$	28,828		$	29,783		$	11,912		$	11,626		$	108,165		$	109,889		$	364,312		$	357,050
% of total criticized exposure to total retained loans	6.83		%	4.56		%	1.44		%	1.60		%	1.13		%	1.11		%	0.05		%	0.06		%	0.32		%	0.36		%	2.80		%	2.06		%
% of criticized nonaccrual to total retained loans	1.44			0.54			0.26			0.25			0.04			0.03			—			—			0.20			0.13			0.60			0.28
Loans by geographic distribution(a)
Total non-U.S.	$	32,037		$	30,063		$	3,231		$	3,003		$	16,405		$	17,166		$	1,929		$	1,788		$	42,272		$	42,031		$	95,874		$	94,051
Total U.S.	87,269			82,869			92,870			89,817			12,423			12,617			9,983			9,838			65,893			67,858			268,438			262,999
Total retained loans	$	119,306		$	112,932		$	96,101		$	92,820		$	28,828		$	29,783		$	11,912		$	11,626		$	108,165		$	109,889		$	364,312		$	357,050
Loan delinquency(b)
Current and less than 30 days past due and still accruing	$	117,203		$	112,058		$	95,680		$	92,381		$	28,761		$	29,713		$	11,909		$	11,565		$	106,852		$	108,734		$	360,405		$	354,451
30–89 days past due and still accruing	360			259			161			193			32			49			1			55			936			988			1,490			1,544
90 or more days past due and still accruing(c)	21			7			7			15			24			11			2			6			160			28			214			67
Criticized nonaccrual	1,722			608			253			231			11			10			—			—			217			139			2,203			988
Total retained loans	$	119,306		$	112,932		$	96,101		$	92,820		$	28,828		$	29,783		$	11,912		$	11,626		$	108,165		$	109,889		$	364,312		$	357,050

(a) The U.S. and non-U.S. distribution is determined based predominantly on the domicile of the borrower.

(b) The credit quality of wholesale loans is assessed primarily through ongoing review and monitoring of an obligor’s ability to meet contractual obligations rather than relying on the past due status, which is generally a lagging indicator of credit quality. For further discussion, see Note 14 of JPMorgan Chase’s 2015Annual Report.

(c) Represents loans that are considered well-collateralized and therefore still accruing interest.

(d) Other includes: individuals; SPEs; holding companies; and private education and civic organizations. For more information on exposures to SPEs, see Note 16 of JPMorgan Chase’s 2015Annual Report

Schedule of impaired financing receivables

The table below sets forth information about the Firm’s wholesale impaired loans.

(in millions)	Commercial and industrial				Real estate				Financial institutions				Government  agencies				Other				Total retained loans
	Mar 31, 2016		Dec 31, 2015		Mar 31, 2016		Dec 31, 2015		Mar 31, 2016		Dec 31, 2015		Mar 31, 2016		Dec 31, 2015		Mar 31, 2016		Dec 31, 2015		Mar 31, 2016			Dec 31, 2015
Impaired loans
With an allowance	$	1,555	$	522	$	177	$	148	$	11	$	10	$	—	$	—	$	125	$	46	$	1,868		$	726
Without an allowance(a)	179		98		88		106		—		—		—		—		95		94		362			298
Totalimpaired loans	$	1,734	$	620	$	265	$	254	$	11	$	10	$	—	$	—	$	220	$	140	$	2,230	(c)	$	1,024	(c)
Allowance for loan losses related to impaired loans	$	491	$	220	$	20	$	27	$	3	$	3	$	—	$	—	$	51	$	24	$	565		$	274
Unpaid principal balance of impaired loans(b)	1,863		669		412		363		12		13		—		—		235		164		2,522			1,209

(a) When the discounted cash flows, collateral value or market price equals or exceeds the recorded investment in the loan, the loan does not require an allowance. This typically occurs when the impaired loans have been partially charged-off and/or there have been interest payments received and applied to the loan balance.

(b) Represents the contractual amount of principal owed at March 31, 2016, and December 31, 2015. The unpaid principal balance differs from the impaired loan balances due to various factors, including charge-offs; interest payments received and applied to the carrying value; net deferred loan fees or costs; and unamortized discount or premiums on purchased loans.

(c) Based upon the domicile of the borrower, largely consists of loans in the U.S.

Schedule of impaired financing receivables, average recorded investment

The following table presents the Firm’s average impaired loans for the periods indicated.

	Three months ended March 31,
(in millions)	2016		2015
Commercial and industrial	$	1,123	$	251
Real estate	233		268
Financial institutions	11		16
Government agencies	—		—
Other	181		107
Total(a)	$	1,548	$	642

(a) The related interest income on accruing impaired loans and interest income recognized on a cash basis were not material for the three months ended March 31, 2016 and 2015.

Wholesale | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of financing receivable credit quality indicators

The following table presents additional information on the real estate class of loans within the Wholesale portfolio segment for the periods indicated. For further information on real estate loans, see Note 14 of JPMorgan Chase’s 2015Annual Report.

(in millions, except ratios)	Multifamily						Commercial lessors						Commercial construction and development						Other						Total real estate loans
	Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015			Mar 31, 2016			Dec 31, 2015
Real estate retained loans	$	61,376		$	60,290		$	21,672		$	20,062		$	5,079		$	4,920		$	7,974		$	7,548		$	96,101		$	92,820
Criticized exposure	553			520			730			844			34			43			68			75			1,385			1,482
% of total criticized exposure to total real estate retained loans	0.90		%	0.86		%	3.37		%	4.21		%	0.67		%	0.87		%	0.85		%	0.99		%	1.44		%	1.60		%
Criticized nonaccrual	$	80		$	85		$	112		$	100		$	—		$	1		$	61		$	45		$	253		$	231
% of criticized nonaccrual loans to total real estate retained loans	0.13		%	0.14		%	0.52		%	0.50		%	—		%	0.02		%	0.76		%	0.60		%	0.26		%	0.25		%