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When Scharf arrived, Wells had three-quarters of JPMorgan’s revenues however 6% more employees. In Minneapolis, Des Moines, and a number of other different cities, its workforce was typically spread throughout a number of small and infrequently aging services. “We saw it at Citigroup, on the former JPMorgan, at Vacationers. At Wells, we had extra layers, the identical work being done in two businesses that could have been centralized, together with HR, legal, IT, and other areas,” he says. “Some individuals would say they’re loopy to compete with Amex and Chase, that have large expertise and interplay,” says Dimon. As a result, net interest revenue at Wells, a huge revenue line for banks, just about treaded water whereas that metric jumped for its opponents.