This is a comprehension question.
When I have an jpeg image (A4, 96DPI, 24 bits per pixel) which takes up 200KB at 90% quality level on the disk and I load it in WPF (e.g. with XAML).
<Image Source="MyJpeg.jpg"></Image>
WPF would have memory consumption for the image of not (only) 200KB but at least 8.27 x 11.69 X 96² X 24 / 8 / 1024 = 2610.26KB, right?
with:
Size of A4 = 8.27 inch x 11.69 inch
Pixels in the whole picture = [Size of A4] x 96²
Bits for the whole picture = [Pixels in the whole picture] x 24
Bytes for the whole picture = [Bits for the whole picture] / 8
The DPI is only useful when you want to know the physical size of your image on a physical display (screen, paper).
Your jpg image has a width and a height, in pixels. When used as an image source, it will get converted to a bitmap, whose size will roughly be, in bits :