JPMorgan Chase & Co., the third- biggest U.S. bank, will post lower earnings from investment banking and credit cards in the second quarter as the U.S. recession is ``just starting,'' Chief Executive Officer Jamie Dimon said. Dimon, speaking at a conference in New York sponsored by UBS AG, said the capital markets crisis sparked by last year's collapse of the subprime mortgage market is about 75 percent finished. Dimon also said the integration of Bear Stearns Cos. was ``proceeding well,'' and his New York-based bank should be judged on the acquisition in a year. Once the fifth-biggest U.S. securities firm, Bear Stearns was forced to agree to the takeover on March 16 after customers and lenders fled because of speculation that the company faced a cash shortage http://www.bloomberg.com/apps/news?pid=20601087&sid=a86ynXFIA0.I&refer=home