4. Consider financial ratios for JPMorgan Chase & Co and its peer group: . The Bank of New York Mellon Bank of America, National Association Wells Fargo Bank, National Association PNC Bank, National Association U.S. Bank National Association Citibank, National Association Truist Bank . JPMorgan Chase peer group ROE 7.78% 5.55% ROA 0.69% 0.55% Equity Multiplier 11.2 10.2 Profit Margin 19.2% 15.1% Interest Expense/Total Operating Income 4.5% 7.0% Provision for loan & lease losses/Total Operating Income 14.9% 17.1% Non Interest Expense/Total Operating Income 56.5% 59.5% Income Taxes/Total Operating Income 5.6% 2.8% Asset Utilization 3.63% 3.62% Interest Income/Total Assets 1.96% 2.40% Noninterest Income/Total Assets 1.67% 1.22% Use the 'duPont' ratio analysis to explain the difference in ROE for JPMorgan Chase & Co and the peer group