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(Smart Money) — Investors may not reserve judgment. Bank of America and Citigroup are among the companies scheduled to release their quarterly results Friday. JPMorgan Chase was the first to release its earnings, beating Wall Street estimates as it wrote bad loans off its books. However, chief executive Jamie Dimon said returns in the firm’s consumer lending businesses were “still unacceptable” and that it’s “too early to say how much improvement we will see from here.”

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