🟢 New in Current Filing Data quality is essential to JPMorganChase’s business and operations, and if JPMorganChase fails to maintain adequate data management processes, this could adversely affect its ability to effectively manage its businesses, comply with applicable laws, rules and regulations, or remain competitive. 🔒

🟢 New in Current Filing Market for registrant’s common equity 🔒

🟢 New in Current Filing Repurchases under the common share repurchase program 🔒

🟢 New in Current Filing Parts II and III 🔒

🟢 New in Current Filing Director and executive officer trading arrangements 🔒

🟢 New in Current Filing Parts III and IV 🔒

🟢 New in Current Filing Executive officers of the registrant 🔒

🟢 New in Current Filing Code of Conduct and Code of Ethics 🔒

🟢 New in Current Filing Insider Trading Policy 🔒

🟢 New in Current Filing Table of contents 🔒

🟢 New in Current Filing THREE-YEAR SUMMARY OF CONSOLIDATED FINANCIAL HIGHLIGHTS (unaudited) 🔒

🟢 New in Current Filing Pre-provision profit(a) 🔒

🟢 New in Current Filing Selected balance sheet data (period-end) 🔒

🟢 New in Current Filing FIVE-YEAR STOCK PERFORMANCE 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Capital ratios(a)(b) 🔒

🟢 New in Current Filing Firmwide overview 🔒

🟢 New in Current Filing Selected capital and other metrics 🔒

🟢 New in Current Filing Business segment highlights 🔒

🟢 New in Current Filing Credit provided and capital raised 🔒

🟢 New in Current Filing Recent events 🔒

🟢 New in Current Filing Full-year 2025 🔒

🟢 New in Current Filing Business Developments 🔒

🟢 New in Current Filing First Republic acquisition 🔒

🟢 New in Current Filing 2024 compared with 2023 🔒

🟢 New in Current Filing Certain components of other expense(b) 🔒

🟢 New in Current Filing 2024 compared with 2023 🔒

🟢 New in Current Filing Consolidated balance sheets analysis 🔒

🟢 New in Current Filing Total liabilities and stockholders’ equity 🔒

🟢 New in Current Filing Consolidated cash flows analysis 🔒

🟢 New in Current Filing Operating activities 🔒

🟢 New in Current Filing Investing activities 🔒

🟢 New in Current Filing Financing activities 🔒

🟢 New in Current Filing Non-GAAP financial measures 🔒

🟢 New in Current Filing Net interest income, net yield, and noninterest revenue excluding Markets 🔒

🟢 New in Current Filing Net yield on average interest-earning assets – managed basis 🔒

🟢 New in Current Filing Net yield on average interest-earning assets excluding Markets 🔒

🟢 New in Current Filing Noninterest revenue – reported(c) 🔒

🟢 New in Current Filing Memo: Total Markets net revenue(b) 🔒

🟢 New in Current Filing Calculation of certain U.S. GAAP and non-GAAP financial measures 🔒

🟢 New in Current Filing Book value per share (“BVPS”) 🔒

🟢 New in Current Filing Overhead ratio 🔒

🟢 New in Current Filing TCE, ROTCE and TBVPS 🔒

🟢 New in Current Filing Description of business segment reporting methodology 🔒

🟢 New in Current Filing Segment & Corporate Results – Managed Basis 🔒

🟢 New in Current Filing 2024 compared with 2023 🔒

🟢 New in Current Filing Total mortgage origination volume(e) 🔒

🟢 New in Current Filing Income before income tax expense 🔒

🟢 New in Current Filing Total Markets & Securities 🔒

🟢 New in Current Filing Banking & Payments Revenue by Client Coverage Segment: (a) 🔒

🟢 New in Current Filing 2024 compared with 2023 🔒

🟢 New in Current Filing Selected balance sheet data (average) 🔒

🟢 New in Current Filing Banking & Payments loans by client coverage segment (average)(b) 🔒

🟢 New in Current Filing Credit data and quality statistics 🔒

🟢 New in Current Filing Total allowance for credit losses 🔒

🟢 New in Current Filing Total investment banking fees 🔒

🟢 New in Current Filing Global investment banking fees(e) 🔒

🟢 New in Current Filing Markets revenue 🔒

🟢 New in Current Filing Loss days(b) 🔒

🟢 New in Current Filing AUC (period-end)(b)(in billions) 🔒

🟢 New in Current Filing The majority of AWM’s client assets are in actively managed portfolios. 🔒

🟢 New in Current Filing 2024 compared with 2023 🔒

🟢 New in Current Filing Total allowance for credit losses 🔒

🟢 New in Current Filing 2024 compared with 2023 🔒

🟢 New in Current Filing Total client assets(a) 🔒

🟢 New in Current Filing Assets under management rollforward 🔒

🟢 New in Current Filing Stock Plan Administration(b) 🔒

🟢 New in Current Filing Total net revenue (in millions)(a) 🔒

🟢 New in Current Filing Other Corporate includes staff functions and expense that is centrally managed as well as certain Firm initiatives and activities not solely aligned to a specific LOB. The major Other Corporate functions include Real Estate, Technology, Legal, Corporate Finance, Human Resources, Internal Audit, Risk Management, Compliance, Control Management, Corporate Responsibility and various Other Corporate groups. 🔒

🟢 New in Current Filing Total net revenue(a) 🔒

🟢 New in Current Filing 2024 compared with 2023 🔒

🟢 New in Current Filing Treasury and CIO overview 🔒

🟢 New in Current Filing Risk governance framework 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Three lines of defense 🔒

🟢 New in Current Filing Risk identification and ownership 🔒

🟢 New in Current Filing Risk appetite 🔒

🟢 New in Current Filing Risk governance and oversight structure 🔒

🟢 New in Current Filing Board oversight 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Management oversight 🔒

🟢 New in Current Filing Risk governance and oversight functions 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Management and oversight 🔒

🟢 New in Current Filing Capital risk management 🔒

🟢 New in Current Filing Capital management 🔒

🟢 New in Current Filing Capital planning and stress testing 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Contingency Capital Plan 🔒

🟢 New in Current Filing Regulatory capital 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Selected capital and RWA data 🔒

🟢 New in Current Filing December 31, 2024 🔒

🟢 New in Current Filing Risk-based capital metrics:(a) 🔒

🟢 New in Current Filing Leverage-based capital metrics:(a) 🔒

🟢 New in Current Filing Standardized/Advanced Tier 1 capital 🔒

🟢 New in Current Filing Standardized Total capital 🔒

🟢 New in Current Filing Advanced Tier 2 capital 🔒

🟢 New in Current Filing December 31, 2024 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Tier 1 capital 🔒

🟢 New in Current Filing Total leverage exposure 🔒

🟢 New in Current Filing Line of business and Corporate equity 🔒

🟢 New in Current Filing Total common stockholders’ equity 🔒

🟢 New in Current Filing Capital actions 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Other capital requirements 🔒

🟢 New in Current Filing U.S. broker-dealer regulatory capital 🔒

🟢 New in Current Filing Non-U.S. subsidiary regulatory capital 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Liquidity risk management 🔒

🟢 New in Current Filing Liquidity management 🔒

🟢 New in Current Filing Internal stress testing 🔒

🟢 New in Current Filing Contingency funding plan 🔒

🟢 New in Current Filing LCR and HQLA 🔒

🟢 New in Current Filing JPMorgan Chase Bank, N.A.: 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Liquidity sources 🔒

🟢 New in Current Filing Sources of funds 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Total short-term secured funding 🔒

🟢 New in Current Filing Common stockholders’ equity(f) 🔒

🟢 New in Current Filing Short-term funding 🔒

🟢 New in Current Filing Long-term funding 🔒

🟢 New in Current Filing Total long-term unsecured funding – maturities/redemptions 🔒

🟢 New in Current Filing Total long-term secured funding 🔒

🟢 New in Current Filing Credit ratings 🔒

🟢 New in Current Filing Organization and management 🔒

🟢 New in Current Filing Governance and oversight 🔒

🟢 New in Current Filing Credit risk management 🔒

🟢 New in Current Filing Risk identification and measurement 🔒

🟢 New in Current Filing Stress testing 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Risk monitoring and management 🔒

🟢 New in Current Filing Risk reporting 🔒

🟢 New in Current Filing Total assets acquired in loan satisfactions 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Maturities and sensitivity to changes in interest rates 🔒

🟢 New in Current Filing Consumer, excluding credit card 🔒

🟢 New in Current Filing Portfolio analysis 🔒

🟢 New in Current Filing Geographic composition and current estimated loan-to-value ratio of residential real estate loans 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Nonperforming assets 🔒

🟢 New in Current Filing Nonperforming assets(a) 🔒

🟢 New in Current Filing Nonaccrual loans 🔒

🟢 New in Current Filing Credit card 🔒

🟢 New in Current Filing Geographic and FICO composition of credit card loans 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Total wholesale credit portfolio 🔒

🟢 New in Current Filing Wholesale credit exposure – maturity and ratings profile 🔒

🟢 New in Current Filing December 31, 2024 🔒

🟢 New in Current Filing Wholesale credit exposure – industry exposures 🔒

🟢 New in Current Filing Wholesale credit exposure – industries(a) 🔒

🟢 New in Current Filing December 31, 2024 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Real Estate 🔒

🟢 New in Current Filing Total Real Estate Exposure(c) 🔒

🟢 New in Current Filing Consumer & Retail 🔒

🟢 New in Current Filing Total Consumer & Retail(c) 🔒

🟢 New in Current Filing Total Consumer & Retail 🔒

🟢 New in Current Filing Total Oil & Gas(b) 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Maturities and sensitivity to changes in interest rates 🔒

🟢 New in Current Filing Loans due after one year at variable interest rates(a) 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Lending-related commitments 🔒

🟢 New in Current Filing Receivables from customers 🔒

🟢 New in Current Filing Derivative contracts 🔒

🟢 New in Current Filing Exposure profile of derivatives measures 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Credit derivatives 🔒

🟢 New in Current Filing Credit portfolio management activities 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Total allowance for credit losses(c) 🔒

🟢 New in Current Filing Allocation of allowance for loan losses 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Investment securities risk 🔒

🟢 New in Current Filing Principal investment risk 🔒

🟢 New in Current Filing Market Risk Management 🔒

🟢 New in Current Filing Measures used to capture market risk 🔒

🟢 New in Current Filing Risk monitoring and control 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Related market risks 🔒

🟢 New in Current Filing Value-at-risk 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing CIB trading VaR by risk type(a) 🔒

🟢 New in Current Filing 2024 compared with 2023 🔒

🟢 New in Current Filing Daily Risk Management VaR 🔒

🟢 New in Current Filing VaR backtesting 🔒

🟢 New in Current Filing Distribution of Daily Backtesting Gains and Losses 🔒

🟢 New in Current Filing Other risk measures 🔒

🟢 New in Current Filing Stress testing 🔒

🟢 New in Current Filing Profit and loss drawdowns 🔒

🟢 New in Current Filing Structural interest rate risk management 🔒

🟢 New in Current Filing Key risk drivers and risk management process 🔒

🟢 New in Current Filing Earnings-at-Risk 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Parallel shift: 🔒

🟢 New in Current Filing Economic Value Sensitivity 🔒

🟢 New in Current Filing Non-U.S. dollar foreign exchange risk 🔒

🟢 New in Current Filing Other sensitivity-based measures 🔒

🟢 New in Current Filing Debt and equity(a) 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Organization and management 🔒

🟢 New in Current Filing Sources and measurement 🔒

🟢 New in Current Filing Stress testing 🔒

🟢 New in Current Filing Risk reporting 🔒

🟢 New in Current Filing Top 20 country exposures (excluding the U.S.)(a) 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Organization and management 🔒

🟢 New in Current Filing Governance and oversight 🔒

🟢 New in Current Filing Operational Risk Management Framework 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Subcategories and examples of operational risks 🔒

🟢 New in Current Filing Organization and management 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Governance and oversight 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Governance and oversight 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Allowance for credit losses 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Total assets measured at fair value on a recurring basis 🔒

🟢 New in Current Filing Total assets measured at fair value 🔒

🟢 New in Current Filing Goodwill impairment 🔒

🟢 New in Current Filing Credit card rewards liability 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Income taxes 🔒

🟢 New in Current Filing Litigation reserves 🔒

🟢 New in Current Filing Effects on financial statements 🔒

🟢 New in Current Filing Management’s discussion and analysis 🔒

🟢 New in Current Filing Effects on financial statements 🔒

🟢 New in Current Filing Management’s report on internal control over financial reporting 🔒

🟢 New in Current Filing Report of Independent Registered Public Accounting Firm 🔒

🟢 New in Current Filing Opinions on the Financial Statements and Internal Control over Financial Reporting 🔒

🟢 New in Current Filing Basis for Opinions 🔒

🟢 New in Current Filing Definition and Limitations of Internal Control over Financial Reporting 🔒

🟢 New in Current Filing PricewaterhouseCoopers LLP • 300 Madison Avenue • New York, NY 10017 🔒

🟢 New in Current Filing Report of Independent Registered Public Accounting Firm 🔒

🟢 New in Current Filing Critical Audit Matters 🔒

🟢 New in Current Filing Report of Independent Registered Public Accounting Firm 🔒

🟢 New in Current Filing Consolidated statements of income 🔒

🟢 New in Current Filing Consolidated statements of comprehensive income 🔒

🟢 New in Current Filing Consolidated balance sheets 🔒

🟢 New in Current Filing Total assets(a) 🔒

🟢 New in Current Filing Total liabilities(a) 🔒

🟢 New in Current Filing Consolidated statements of changes in stockholders’ equity 🔒

🟢 New in Current Filing Consolidated statements of cash flows 🔒

🟢 New in Current Filing Net cash (used in)/provided by investing activities 🔒

🟢 New in Current Filing Note 1 – Basis of presentation 🔒

🟢 New in Current Filing Consolidation 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Revenue recognition 🔒

🟢 New in Current Filing Use of estimates in the preparation of consolidated financial statements 🔒

🟢 New in Current Filing Foreign currency translation 🔒

🟢 New in Current Filing Offsetting assets and liabilities 🔒

🟢 New in Current Filing Statements of cash flows 🔒

🟢 New in Current Filing Equity Method and Joint Ventures: Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method 🔒

🟢 New in Current Filing Derivatives and Hedging: Fair Value Hedging – Portfolio Layer Method 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Financial Instruments – Credit Losses: Troubled Debt Restructurings (“TDRs”) 🔒

🟢 New in Current Filing Significant accounting policies 🔒

🟢 New in Current Filing Note 2 – Fair value measurement 🔒

🟢 New in Current Filing Valuation process 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Valuation model review and approval 🔒

🟢 New in Current Filing Fair value hierarchy 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Total trading assets(d) 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Level 3 valuations 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Average(i) 🔒

🟢 New in Current Filing Changes in and ranges of unobservable inputs 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Changes in level 3 recurring fair value measurements 🔒

🟢 New in Current Filing Total mortgage-backed securities 🔒

🟢 New in Current Filing Total trading assets – debt and equity instruments 🔒

🟢 New in Current Filing Liabilities:(a) 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Total mortgage-backed securities 🔒

🟢 New in Current Filing Total trading assets – debt and equity instruments 🔒

🟢 New in Current Filing Liabilities:(a) 🔒

🟢 New in Current Filing Total mortgage-backed securities 🔒

🟢 New in Current Filing Total trading assets – debt and equity instruments 🔒

🟢 New in Current Filing Liabilities:(a) 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Level 3 analysis 🔒

🟢 New in Current Filing fair value on a recurring basis 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Credit and funding adjustments – derivatives 🔒

🟢 New in Current Filing Valuation adjustments on fair value option elected liabilities 🔒

🟢 New in Current Filing Assets and liabilities measured at fair value on a nonrecurring basis 🔒

🟢 New in Current Filing Nonrecurring fair value changes 🔒

🟢 New in Current Filing Total nonrecurring fair value gains/(losses) 🔒

🟢 New in Current Filing Equity securities without readily determinable fair values 🔒

🟢 New in Current Filing Additional disclosures about the fair value of financial instruments that are not carried on the Consolidated balance sheets at fair value 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Note 3 – Fair value option 🔒

🟢 New in Current Filing Changes in fair value under the fair value option election 🔒

🟢 New in Current Filing Determination of instrument-specific credit risk for items for which the fair value option was elected 🔒

🟢 New in Current Filing Difference between aggregate fair value and aggregate remaining contractual principal balance outstanding 🔒

🟢 New in Current Filing All other performing loans(b) 🔒

🟢 New in Current Filing Structured note products by balance sheet classification and risk component 🔒

🟢 New in Current Filing Note 4 – Credit risk concentrations 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Wholesale(b) 🔒

🟢 New in Current Filing Total exposure(g) 🔒

🟢 New in Current Filing Note 5 – Derivative instruments 🔒

🟢 New in Current Filing Accounting for derivatives 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Foreign exchange contracts 🔒

🟢 New in Current Filing Total foreign exchange contracts 🔒

🟢 New in Current Filing Total derivative notional amounts 🔒

🟢 New in Current Filing Impact of derivatives on the Consolidated balance sheets 🔒

🟢 New in Current Filing Total fair value of trading assets and liabilities 🔒

🟢 New in Current Filing Derivatives netting 🔒

🟢 New in Current Filing U.S. GAAP nettable derivative receivables 🔒

🟢 New in Current Filing Net amounts 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing U.S. GAAP nettable derivative payables 🔒

🟢 New in Current Filing Total derivative payables recognized on the Consolidated balance sheets 🔒

🟢 New in Current Filing Net amounts 🔒

🟢 New in Current Filing Liquidity risk and credit-related contingent features 🔒

🟢 New in Current Filing Impact of derivatives on the Consolidated statements of income 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Credit derivatives 🔒

🟢 New in Current Filing Total credit derivatives and credit-related notes 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Protection sold – credit derivatives ratings(a)/maturity profile 🔒

🟢 New in Current Filing Note 6 – Noninterest revenue and noninterest expense 🔒

🟢 New in Current Filing Noninterest revenue 🔒

🟢 New in Current Filing Investment banking fees 🔒

🟢 New in Current Filing Principal transactions 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Trading revenue by instrument type 🔒

🟢 New in Current Filing Lending- and deposit-related fees 🔒

🟢 New in Current Filing Total lending- and deposit-related fees 🔒

🟢 New in Current Filing Asset management fees 🔒

🟢 New in Current Filing Commissions and other fees 🔒

🟢 New in Current Filing Mortgage fees and related income 🔒

🟢 New in Current Filing Card income 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Other income 🔒

🟢 New in Current Filing Other expense 🔒

🟢 New in Current Filing Note 7 – Interest income and interest expense 🔒

🟢 New in Current Filing Net interest income after provision for credit losses 🔒

🟢 New in Current Filing employee benefit plans 🔒

🟢 New in Current Filing Gains and losses 🔒

🟢 New in Current Filing Plan assumptions 🔒

🟢 New in Current Filing Investment strategy and asset allocation 🔒

🟢 New in Current Filing Fair value measurement of the plans’ assets and liabilities 🔒

🟢 New in Current Filing Defined benefit pension and OPEB plans assets and liabilities measured at fair value 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Changes in level 3 fair value measurements using significant unobservable inputs 🔒

🟢 New in Current Filing Estimated future benefit payments 🔒

🟢 New in Current Filing Note 9 – Employee share-based incentives 🔒

🟢 New in Current Filing Employee share-based awards 🔒

🟢 New in Current Filing RSUs, PSUs and SARs activity 🔒

🟢 New in Current Filing Compensation expense 🔒

🟢 New in Current Filing Total noncash compensation expense related to employee share-based incentive plans 🔒

🟢 New in Current Filing Tax benefits 🔒

🟢 New in Current Filing Note 10 – Investment securities 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Total held-to-maturity securities(c) 🔒

🟢 New in Current Filing AFS securities impairment 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing HTM securities – credit risk 🔒

🟢 New in Current Filing Allowance for credit losses on investment securities 🔒

🟢 New in Current Filing Selected impacts of investment securities on the Consolidated statements of income 🔒

🟢 New in Current Filing Contractual maturities and yields 🔒

🟢 New in Current Filing Note 11 – Securities financing activities 🔒

🟢 New in Current Filing Credit risk mitigation practices 🔒

🟢 New in Current Filing Liabilities 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing (in millions) 🔒

🟢 New in Current Filing Transfers not qualifying for sale accounting 🔒

🟢 New in Current Filing Note 12 – Loans 🔒

🟢 New in Current Filing Loan accounting framework 🔒

🟢 New in Current Filing Loans held-for-investment 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Loans held-for-sale 🔒

🟢 New in Current Filing Loans at fair value 🔒

🟢 New in Current Filing Loan classification changes 🔒

🟢 New in Current Filing Loan modifications 🔒

🟢 New in Current Filing Foreclosed property 🔒

🟢 New in Current Filing Loan portfolio 🔒

🟢 New in Current Filing credit card 🔒

🟢 New in Current Filing Gains and losses on sales of loans 🔒

🟢 New in Current Filing Consumer, excluding credit card loan portfolio 🔒

🟢 New in Current Filing Residential real estate 🔒

🟢 New in Current Filing Loan delinquency(a) 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Current estimated LTV ratios(e)(f)(g) 🔒

🟢 New in Current Filing Geographic region(h)(j) 🔒

🟢 New in Current Filing Loan modifications 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Concession granted:(a) 🔒

🟢 New in Current Filing Active and suspended foreclosure 🔒

🟢 New in Current Filing Auto and other 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Geographic region(c) 🔒

🟢 New in Current Filing Loan modifications 🔒

🟢 New in Current Filing Credit card loan portfolio 🔒

🟢 New in Current Filing Loan delinquency 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Geographic region(a) 🔒

🟢 New in Current Filing Loan modifications 🔒

🟢 New in Current Filing Term extension with a reduction in the weighted average contractual interest rate from 23.64% to 3.20% 🔒

🟢 New in Current Filing Wholesale loan portfolio 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Loans by geographic distribution(a) 🔒

🟢 New in Current Filing Nonaccrual loans 🔒

🟢 New in Current Filing Total nonaccrual loans(b) 🔒

🟢 New in Current Filing Loan modifications 🔒

🟢 New in Current Filing Year ended December 31, 2024 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Year ended December 31, 2024 🔒

🟢 New in Current Filing Note 13 – Allowance for credit losses 🔒

🟢 New in Current Filing Methodology for allowances for loan losses and lending-related commitments 🔒

🟢 New in Current Filing Allowance for credit losses and related information 🔒

🟢 New in Current Filing Allowance for lending-related commitments 🔒

🟢 New in Current Filing Allowance for loan losses by impairment methodology 🔒

🟢 New in Current Filing Total lending-related commitments 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Note 14 – Variable interest entities 🔒

🟢 New in Current Filing Significant Firm-sponsored VIEs 🔒

🟢 New in Current Filing Credit card securitizations 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Firm-sponsored mortgage and other securitization trusts 🔒

🟢 New in Current Filing Securitization-related(a) 🔒

🟢 New in Current Filing Transfers of securities to VIEs 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing U.S. GSEs and government agencies 🔒

🟢 New in Current Filing Multi-seller conduits 🔒

🟢 New in Current Filing Municipal bond vehicles 🔒

🟢 New in Current Filing Consolidated VIE assets and liabilities 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing VIEs sponsored by third parties 🔒

🟢 New in Current Filing Investments that qualify to be accounted for using proportional amortization: 🔒

🟢 New in Current Filing Loan securitizations 🔒

🟢 New in Current Filing Securitization activity 🔒

🟢 New in Current Filing All cash flows during the period:(a) 🔒

🟢 New in Current Filing Loans and excess MSRs sold to U.S. government-sponsored enterprises and loans in securitization transactions pursuant to Ginnie Mae guidelines 🔒

🟢 New in Current Filing Total proceeds received from loan sales(c) 🔒

🟢 New in Current Filing Loan delinquencies and liquidation losses 🔒

🟢 New in Current Filing Note 15 – Goodwill, mortgage servicing rights, and other intangible assets 🔒

🟢 New in Current Filing Mortgage servicing rights 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing CCB mortgage fees and related income 🔒

🟢 New in Current Filing Mortgage fees and related income 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Other intangible assets 🔒

🟢 New in Current Filing Note 16 – Premises and equipment 🔒

🟢 New in Current Filing Total premises and equipment 🔒

🟢 New in Current Filing Note 17 – Deposits 🔒

🟢 New in Current Filing Note 18 - Leases 🔒

🟢 New in Current Filing Firm as lessee 🔒

🟢 New in Current Filing Firm as lessor 🔒

🟢 New in Current Filing Note 19 – Accounts payable and other liabilities 🔒

🟢 New in Current Filing Total accounts payable and other liabilities 🔒

🟢 New in Current Filing Note 20 – Long-term debt 🔒

🟢 New in Current Filing Total long-term beneficial interests(e) 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Note 21 – Preferred stock 🔒

🟢 New in Current Filing SOFR + 2.58 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Redemptions 🔒

🟢 New in Current Filing Note 22 – Common stock 🔒

🟢 New in Current Filing Total issued – balance at January 1 🔒

🟢 New in Current Filing Total treasury – balance at December 31 🔒

🟢 New in Current Filing Note 23 – Earnings per share 🔒

🟢 New in Current Filing Net income applicable to common equity 🔒

🟢 New in Current Filing Total weighted-average diluted shares outstanding 🔒

🟢 New in Current Filing Note 24 – Accumulated other comprehensive income/(loss) 🔒

🟢 New in Current Filing Unrealized gains/(losses) on investment securities: 🔒

🟢 New in Current Filing Cash flow hedges: 🔒

🟢 New in Current Filing Defined benefit pension and OPEB plans, net change(e) 🔒

🟢 New in Current Filing Note 25 – Income taxes 🔒

🟢 New in Current Filing Effective tax rate and expense 🔒

🟢 New in Current Filing Results from U.S. and non-U.S. earnings 🔒

🟢 New in Current Filing Income before income tax expense 🔒

🟢 New in Current Filing Deferred taxes 🔒

🟢 New in Current Filing Net deferred tax assets 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Unrecognized tax benefits 🔒

🟢 New in Current Filing Tax examination status 🔒

🟢 New in Current Filing Restricted cash and other restricted assets 🔒

🟢 New in Current Filing Total restricted cash(a) 🔒

🟢 New in Current Filing Intercompany funds transfers 🔒

🟢 New in Current Filing Note 27 – Regulatory capital 🔒

🟢 New in Current Filing Risk-based capital metrics:(a) 🔒

🟢 New in Current Filing Risk-based capital metrics: (a) 🔒

🟢 New in Current Filing Leverage-based capital metrics: (a) 🔒

🟢 New in Current Filing other commitments 🔒

🟢 New in Current Filing Total consumer(c) 🔒

🟢 New in Current Filing Total wholesale(c) 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Other unfunded commitments to extend credit 🔒

🟢 New in Current Filing Standby letters of credit, other financial guarantees and other letters of credit 🔒

🟢 New in Current Filing Unsettled securities financing agreements 🔒

🟢 New in Current Filing Loan sales- and securitization-related indemnifications 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Other off-balance sheet arrangements 🔒

🟢 New in Current Filing Note 29 – Pledged assets and collateral 🔒

🟢 New in Current Filing Pledged assets 🔒

🟢 New in Current Filing Contingencies 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Note 31 – International operations 🔒

🟢 New in Current Filing Note 32 – Business segments & Corporate 🔒

🟢 New in Current Filing Consumer & Community Banking 🔒

🟢 New in Current Filing Commercial & Investment Bank 🔒

🟢 New in Current Filing Asset & Wealth Management 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Description of business segment reporting methodology 🔒

🟢 New in Current Filing Segment & Corporate results 🔒

🟢 New in Current Filing Segment & Corporate results and reconciliation(a) 🔒

🟢 New in Current Filing Income/(loss) before income tax expense/(benefit) 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing tax expense/(benefit) 🔒

🟢 New in Current Filing Note 33 – Parent Company 🔒

🟢 New in Current Filing Statements of income and comprehensive income 🔒

🟢 New in Current Filing Total liabilities(c) 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Note 34 – Business combinations 🔒

🟢 New in Current Filing Notes to consolidated financial statements 🔒

🟢 New in Current Filing Core deposit and customer relationship intangibles 🔒

🟢 New in Current Filing Indemnification assets - Shared-loss agreements 🔒

🟢 New in Current Filing Purchase Money Note and FHLB advances 🔒

🟢 New in Current Filing Unaudited pro forma condensed combined financial information 🔒

🟢 New in Current Filing Supplementary Information: Distribution of assets, liabilities and stockholders’ equity; interest rates and interest differentials 🔒

🟢 New in Current Filing Consolidated average balance sheets, interest and rates 🔒

🟢 New in Current Filing Interest rates and interest differential analysis of net interest income – U.S. and non-U.S. 🔒

🟢 New in Current Filing (Unaudited) 🔒

🟢 New in Current Filing Changes in net interest income, volume and rate analysis 🔒

🟢 New in Current Filing Glossary of Terms and Acronyms 🔒

🟢 New in Current Filing Expense categories: 🔒

🟢 New in Current Filing Glossary of Terms and Acronyms 🔒

🟢 New in Current Filing Origination date LTV ratio 🔒

🟢 New in Current Filing Current estimated LTV ratio 🔒

🟢 New in Current Filing Glossary of Terms and Acronyms 🔒

🟢 New in Current Filing Combined LTV ratio 🔒

🟢 New in Current Filing Mortgage origination channels: 🔒

🟢 New in Current Filing Mortgage product types: 🔒

🟢 New in Current Filing Glossary of Terms and Acronyms 🔒

🔴 No Match in Current Filing JPMorgan Chase’s businesses are highly regulated, and the laws, rules and regulations that apply to JPMorgan Chase have a significant impact on its business and operations. 🔒

🔴 No Match in Current Filing Differences and inconsistencies in financial services regulation and supervision can negatively impact JPMorgan Chase’s businesses, operations and financial results. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s businesses are highly regulated, and the laws, rules and regulations that apply to JPMorgan Chase have a significant impact on its business and operations. 🔒

🔴 No Match in Current Filing Differences and inconsistencies in financial services regulation and supervision can negatively impact JPMorgan Chase’s businesses, operations and financial results. 🔒

🔴 No Match in Current Filing Resolving regulatory investigations can subject JPMorgan Chase to significant penalties and collateral consequences, and could result in higher compliance costs or restrictions on its operations. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s operations and financial results can be negatively impacted in jurisdictions with less predictable legal and regulatory frameworks. 🔒

🔴 No Match in Current Filing Requirements for the orderly resolution of JPMorgan Chase could result in JPMorgan Chase having to restructure or reorganize its businesses and could increase its funding or operational costs or curtail its businesses. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s operations and financial results can be negatively impacted in jurisdictions with less predictable legal and regulatory frameworks. 🔒

🔴 No Match in Current Filing Requirements for the orderly resolution of JPMorgan Chase could result in JPMorgan Chase having to restructure or reorganize its businesses and could increase its funding or operational costs or curtail its businesses. 🔒

🔴 No Match in Current Filing Holders of JPMorgan Chase & Co.’s debt and equity securities will absorb losses if it were to enter into a resolution. 🔒

🔴 No Match in Current Filing Economic uncertainty or instability caused by political or geopolitical developments can negatively impact JPMorgan Chase’s businesses. 🔒

🔴 No Match in Current Filing Holders of JPMorgan Chase & Co.’s debt and equity securities will absorb losses if it were to enter into a resolution. 🔒

🔴 No Match in Current Filing Economic uncertainty or instability caused by political or geopolitical developments can negatively impact JPMorgan Chase’s businesses. 🔒

🔴 No Match in Current Filing Economic and market events and conditions can materially affect JPMorgan Chase’s businesses and investment and market-making positions. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s consumer businesses can be negatively affected by adverse economic conditions and governmental policies. 🔒

🔴 No Match in Current Filing Unfavorable market and economic conditions can have an adverse effect on JPMorgan Chase’s wholesale businesses. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s consumer businesses can be negatively affected by adverse economic conditions and governmental policies. 🔒

🔴 No Match in Current Filing Unfavorable market and economic conditions can have an adverse effect on JPMorgan Chase’s wholesale businesses. 🔒

🔴 No Match in Current Filing Changes in interest rates and credit spreads can adversely affect JPMorgan Chase’s earnings, its liquidity or its capital levels. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s results may be materially affected by market fluctuations and significant changes in the value of financial instruments. 🔒

🔴 No Match in Current Filing JPMorgan Chase can be negatively affected by adverse changes in the financial condition of clients, counterparties, custodians and CCPs. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s results may be materially affected by market fluctuations and significant changes in the value of financial instruments. 🔒

🔴 No Match in Current Filing JPMorgan Chase can be negatively affected by adverse changes in the financial condition of clients, counterparties, custodians and CCPs. 🔒

🔴 No Match in Current Filing JPMorgan Chase may suffer losses if the value of collateral declines in stressed market conditions. 🔒

🔴 No Match in Current Filing JPMorgan Chase could incur significant losses arising from concentrations of credit and market risk. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s ability to operate its businesses could be impaired if its liquidity is constrained. 🔒

🔴 No Match in Current Filing JPMorgan Chase may suffer losses if the value of collateral declines in stressed market conditions. 🔒

🔴 No Match in Current Filing JPMorgan Chase could incur significant losses arising from concentrations of credit and market risk. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s ability to operate its businesses could be impaired if its liquidity is constrained. 🔒

🔴 No Match in Current Filing Reductions in JPMorgan Chase’s credit ratings may adversely affect its liquidity and cost of funding. 🔒

🔴 No Match in Current Filing JPMorgan Chase & Co. is a holding company and depends on the cash flows of its subsidiaries to make payments on its outstanding securities. 🔒

🔴 No Match in Current Filing Reductions in JPMorgan Chase’s credit ratings may adversely affect its liquidity and cost of funding. 🔒

🔴 No Match in Current Filing Maintaining the required level and composition of capital may impact JPMorgan Chase’s ability to support business activities, meet evolving regulatory requirements and distribute capital to shareholders. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s businesses are dependent on the effectiveness of internal and external operational systems. 🔒

🔴 No Match in Current Filing Maintaining the required level and composition of capital may impact JPMorgan Chase’s ability to support business activities, meet evolving regulatory requirements and distribute capital to shareholders. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s businesses are dependent on the effectiveness of internal and external operational systems. 🔒

🔴 No Match in Current Filing A successful cyber attack affecting JPMorgan Chase could cause significant harm to JPMorgan Chase and its clients and customers. 🔒

🔴 No Match in Current Filing JPMorgan Chase can be negatively affected if it fails to identify and address operational risks associated with the introduction of or changes to products, services and delivery platforms or the adoption of new technologies. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s business and operations rely on its ability, and the ability of key external parties, to maintain appropriately-staffed workforces, and on the competence, trustworthiness, health and safety of employees. 🔒

🔴 No Match in Current Filing JPMorgan Chase faces substantial legal and operational risks in the processing and safeguarding of personal information. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s business and operations rely on its ability, and the ability of key external parties, to maintain appropriately-staffed workforces, and on the competence, trustworthiness, health and safety of employees. 🔒

🔴 No Match in Current Filing JPMorgan Chase faces substantial legal and operational risks in the processing and safeguarding of personal information. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s operations, results and reputation could be harmed by occurrences of extraordinary events beyond its control. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s acquisition of certain assets and liabilities of First Republic Bank may not result in all of the benefits anticipated. 🔒

🔴 No Match in Current Filing Enhanced regulatory and other standards for the oversight of vendors and other service providers can result in higher costs and other potential exposures. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s risk management framework and control environment may not be effective in identifying and mitigating every risk to JPMorgan Chase. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s acquisition of certain assets and liabilities of First Republic Bank may not result in all of the benefits anticipated. 🔒

🔴 No Match in Current Filing Enhanced regulatory and other standards for the oversight of vendors and other service providers can result in higher costs and other potential exposures. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s acquisition of certain assets and liabilities of First Republic Bank may not result in all of the benefits anticipated. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s risk management framework and control environment may not be effective in identifying and mitigating every risk to JPMorgan Chase. 🔒

🔴 No Match in Current Filing JPMorgan Chase could recognize unexpected losses, its capital levels could be reduced and it could face greater regulatory scrutiny if its models, estimations or judgments, including those used in its financial statements, are inadequate or incorrect. 🔒

🔴 No Match in Current Filing Lapses in controls over disclosure or financial reporting could materially affect JPMorgan Chase’s profitability or reputation. 🔒

🔴 No Match in Current Filing JPMorgan Chase could recognize unexpected losses, its capital levels could be reduced and it could face greater regulatory scrutiny if its models, estimations or judgments, including those used in its financial statements, are inadequate or incorrect. 🔒

🔴 No Match in Current Filing Lapses in controls over disclosure or financial reporting could materially affect JPMorgan Chase’s profitability or reputation. 🔒

🔴 No Match in Current Filing If JPMorgan Chase’s management fails to develop and execute effective business strategies, and to anticipate changes affecting those strategies, JPMorgan Chase’s competitive standing and results could suffer. 🔒

🔴 No Match in Current Filing JPMorgan Chase faces significant and increasing competition in the rapidly evolving financial services industry. 🔒

🔴 No Match in Current Filing If JPMorgan Chase’s management fails to develop and execute effective business strategies, and to anticipate changes affecting those strategies, JPMorgan Chase’s competitive standing and results could suffer. 🔒

🔴 No Match in Current Filing JPMorgan Chase faces significant and increasing competition in the rapidly evolving financial services industry. 🔒

🔴 No Match in Current Filing The effects of climate change could adversely affect JPMorgan Chase’s business and operations, both directly and as a result of impacts on its clients and customers. 🔒

🔴 No Match in Current Filing Conduct failure by JPMorgan Chase employees can harm clients and customers, impact market integrity, damage JPMorgan Chase’s reputation and trigger litigation and regulatory action. 🔒

🔴 No Match in Current Filing The effects of climate change could adversely affect JPMorgan Chase’s business and operations, both directly and as a result of impacts on its clients and customers. 🔒

🔴 No Match in Current Filing Conduct failure by JPMorgan Chase employees can harm clients and customers, impact market integrity, damage JPMorgan Chase’s reputation and trigger litigation and regulatory action. 🔒

🔴 No Match in Current Filing Damage to JPMorgan Chase’s reputation could harm its businesses. 🔒

🔴 No Match in Current Filing Failure to effectively manage potential conflicts of interest or to satisfy fiduciary obligations can result in litigation and enforcement actions, as well as damage JPMorgan Chase’s reputation. 🔒

🔴 No Match in Current Filing An outbreak or escalation of hostilities between countries or within a country or region could have a material adverse effect on the global economy and on JPMorgan Chase’s businesses within the affected region or globally. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s business and operations in certain countries can be adversely affected by local economic, political, regulatory and social factors. 🔒

🔴 No Match in Current Filing An outbreak or escalation of hostilities between countries or within a country or region could have a material adverse effect on the global economy and on JPMorgan Chase’s businesses within the affected region or globally. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s business and operations in certain countries can be adversely affected by local economic, political, regulatory and social factors. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s ability to attract and retain qualified and diverse employees is critical to its success. 🔒

🔴 No Match in Current Filing Unfavorable changes in immigration or travel policies could adversely affect JPMorgan Chase’s businesses and operations. 🔒

🔴 No Match in Current Filing JPMorgan Chase’s ability to attract and retain qualified and diverse employees is critical to its success. 🔒

🔴 No Match in Current Filing Unfavorable changes in immigration or travel policies could adversely affect JPMorgan Chase’s businesses and operations. 🔒

🔴 No Match in Current Filing JPMorgan Chase faces significant legal risks from litigation and formal and informal regulatory and government investigations. 🔒

🔴 No Match in Current Filing New York City, New York 🔒

🔴 No Match in Current Filing Other U.S. locations 🔒

🔴 No Match in Current Filing Europe, the Middle East and Africa (“EMEA”) 🔒

🔴 No Match in Current Filing Total Asia-Pacific, Latin America and Canada 🔒

🟡 Modified Failure to effectively manage potential conflicts of interest or to satisfy fiduciary obligations can result in litigation and enforcement actions, as well as damage JPMorganChase’s reputation. 🔒

🟡 Modified An outbreak or escalation of hostilities between countries or within a country or region could have a material adverse effect on the global economy and on JPMorganChase’s businesses within the affected region or globally. 🔒

🟡 Modified Holders of JPMorgan Chase & Co.’s debt and equity securities will absorb losses if it were to enter into a resolution. 🔒

🟡 Modified JPMorganChase’s ability to operate its businesses could be impaired if its liquidity is constrained. 🔒

🟡 Modified JPMorganChase’s business and operations rely on its ability, and the ability of key external parties, to maintain appropriately-staffed workforces, and on the competence, trustworthiness, health and safety of employees. 🔒

🟡 Modified Differences and inconsistencies in financial services regulation and supervision can negatively impact JPMorganChase’s businesses, operations and financial results. 🔒

🟡 Modified JPMorganChase’s results may be materially affected by market fluctuations and significant changes in the valuation of financial instruments. 🔒

🟡 Modified A successful cyber attack affecting JPMorganChase could cause significant harm to JPMorganChase and its clients and customers. 🔒

🟡 Modified Resolving regulatory investigations can subject JPMorganChase to significant penalties and collateral consequences, and could result in higher compliance costs or restrictions on its operations. 🔒

🟡 Modified JPMorganChase could recognize unexpected losses, its capital levels could be reduced and it could face greater regulatory scrutiny if its models, estimations or judgments, including those used in its financial statements, are inadequate or incorrect. 🔒

🟡 Modified JPMorganChase can be negatively affected if it fails to identify and address operational risks associated with the introduction of or changes to products, services and delivery platforms or the adoption of new technologies. 🔒

🟡 Modified Economic and market events and conditions can materially affect JPMorganChase’s businesses and investment and market-making positions. 🔒

🟡 Modified The effects of climate change could adversely affect JPMorganChase’s business and operations, both directly and as a result of impacts on its clients and customers. 🔒

🟡 Modified JPMorganChase could incur significant losses arising from concentrations of credit and market risk. 🔒

🟡 Modified JPMorganChase faces significant and increasing competition in the rapidly evolving financial services industry. 🔒

🟡 Modified JPMorganChase’s results or competitive standing could suffer if its management fails to develop and execute effective business strategies, and to anticipate changes affecting those strategies. 🔒

🟡 Modified Unfavorable market and economic conditions can have an adverse effect on JPMorganChase’s wholesale businesses. 🔒

🟡 Modified JPMorganChase’s businesses are dependent on the effectiveness of internal and external operational systems. 🔒

🟡 Modified JPMorganChase faces substantial legal and operational risks in the processing and safeguarding of personal information. 🔒

🟡 Modified JPMorganChase’s risk management framework and control environment will not be effective in identifying and mitigating every risk to JPMorganChase. 🔒

🟡 Modified Unfavorable changes in immigration or travel policies could adversely affect JPMorganChase’s businesses and operations. 🔒

🟡 Modified JPMorganChase can be negatively affected by adverse changes in the financial condition of clients, counterparties, custodians and CCPs. 🔒

🟡 Modified JPMorganChase’s businesses are highly regulated, and the laws, rules and regulations that apply to JPMorganChase have a significant impact on its business and operations. 🔒

🟡 Modified JPMorganChase’s consumer businesses can be negatively affected by adverse economic conditions and governmental policies. 🔒

🟡 Modified Conduct failure by JPMorganChase employees can harm clients and customers, impact market integrity, damage JPMorganChase’s reputation and trigger litigation and regulatory action. 🔒

🟡 Modified Enhanced regulatory and other standards for the oversight of vendors and other service providers can result in higher costs and other potential exposures. 🔒

🟡 Modified JPMorganChase’s business and operations in certain countries can be adversely affected by local economic, political, regulatory and social factors. 🔒

🟡 Modified Damage to JPMorganChase’s reputation could harm its businesses. 🔒

🟡 Modified JPMorganChase’s operations and financial results can be negatively impacted in jurisdictions with less predictable legal and regulatory frameworks. 🔒

🟡 Modified Maintaining the required level and composition of capital may impact JPMorganChase’s ability to support business activities, meet evolving regulatory requirements and distribute capital to shareholders. 🔒

🟡 Modified JPMorganChase’s operations, results and reputation could be harmed by occurrences of extraordinary events beyond its control. 🔒

🟡 Modified Lapses, weaknesses or deficiencies in controls over disclosure or financial reporting could materially affect JPMorganChase’s profitability or reputation. 🔒

🟡 Modified Changes in interest rates and credit spreads can adversely affect JPMorganChase’s earnings, its liquidity or its capital levels. 🔒

🟡 Modified Reductions in JPMorganChase’s credit ratings may adversely affect its liquidity and cost of funding. 🔒

🟡 Modified Requirements for the orderly resolution of JPMorganChase could result in JPMorganChase having to restructure or reorganize its businesses and could increase its funding or operational costs or curtail its businesses. 🔒

🟡 Modified JPMorganChase faces significant legal risks from litigation and formal and informal regulatory and government investigations. 🔒

🟡 Modified JPMorganChase’s ability to attract and retain qualified employees is critical to its success. 🔒

🟡 Modified Economic uncertainty or instability caused by political and geopolitical developments can negatively impact JPMorganChase’s businesses. 🔒

🟡 Modified JPMorganChase's businesses may be negatively impacted by governmental policies that either discourage or penalize business with certain industries or require specific business practices. 🔒

🟡 Modified Total Asia-Pacific, Latin America and Canada 🔒