The 10Y-2Y spread is (https://home.treasury.gov/resource-center/data-chart-center/interest-rates/daily-treasury-rates) — that's normal curve territory, but the composition is what kills banks. JPM posted a net margin on in annual revenue, but the earnings trajectory is what matters: Q4 EPS of sits above Q3's $20.02 reported in the 4Q history, suggesting significant quarter-to-quarter volatility.

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