JPM · 10-Q · 2026Q3 · Full report
Credit Portfolio Growth and Quality
JPMORGAN CHASE & CO · 2026-11-03 · Importance 53 · Surprise 40 · No source text
Total credit portfolio exposure increased to $3.674 trillion at September 30, 2026 from $3.416 trillion at December 31, 2025, while total loans rose to $1.585 trillion from $1.493 trillion. Net charge-offs for the third quarter of 2026 were $2.204 billion, down from $2.593 billion a year earlier, and the net charge-off rate declined to 0.59% from 0.76%. Wholesale credit exposure increased to $1.729 trillion from $1.544 trillion; loans grew by $95.5 billion and lending-related commitments by $38.9 billion, reflecting higher client demand, particularly in CIB and AWM. Wholesale nonperforming exposure decreased by $447 million, while criticized exposure increased to $52.1 billion from $48.5 billion, or 3.3% of wholesale credit exposure versus 3.4%.
Key facts
- Total credit portfolio exposure was $3,674,437 million at September 30, 2026, compared with $3,415,849 million at December 31, 2025. source
- Total loans were $1,584,641 million at September 30, 2026, compared with $1,493,429 million at December 31, 2025. source
- JPMorgan Chase & Co.'s retained loans at period-end were $1.497159 trillion at September 30, 2026, compared with $1.369785 trillion at September 30, 2025. source
- At September 30, 2026, CCB total loans were $593.720 billion versus $580.478 billion in 2025; Card Services loans were $252.684 billion versus $235.491 billion. source
- At September 30, 2026, CIB total loans were $674.871 billion versus $594.073 billion in 2025, including $599.834 billion of retained loans and $75.037 billion of loans held-for-sale and loans at fair value. source
- JPMorganChase’s loans, net of allowance for loan losses, were $1.558 trillion at September 30, 2026, compared with $1.468 trillion at December 31, 2025. source
- During the first nine months of 2026, JPMorganChase provided and renewed approximately $2.9 trillion of total credit and capital raised, including loans and commitments. source
- From December 31, 2025 to September 30, 2026, loans increased from $1,493,429 million to $1,584,641 million. source
Impact estimates
| metric | direction | stage | expected | basis |
|---|---|---|---|---|
| assets | positive | realized | +2.5% | JPMorgan Chase & Co.'s retained loans at period-end were $1.497159 trillion at September 30, 2026, compared with $1.369785 trillion at… |
| assets | positive | realized | +1.6% | At September 30, 2026, CIB total loans were $674.871 billion versus $594.073 billion in 2025, including $599.834 billion of retained loans… |