Message from Our Chairman & CEO This past year has brought disruption and stress for so many as the world grapples with war in Ukraine, economic volatility, climate change and an ongoing pandemic. It has also shown what companies like ours can and must do to serve our customers, clients and communities: run a healthy and vibrant company and bring together the best of our business to help address significant economic and societal challenges. Throughout this period of uncertainty, JPMorgan Chase has led with a tireless focus on doing the right thing, even when it’s not easy or expedient. We are leveraging capital and expertise across our company to support a greener future for the planet and advance racial equity. This is a pivotal time for society – government, business and community leaders must move from empty statements and lofty intentions to tangible actions. That is why our company is beginning to implement ambitious targets and commitments to help drive equity and create a more resilient world. A responsible approach to energy and climate, especially during a time of war, is to immediately help provide energy security around the globe while remaining focused on accelerating the development of affordable, reliable and lower-carbon energy solutions. We have a goal to reduce the carbon intensity of our financing portfolios, starting with oil & gas, electric power and automotive manufacturing, and targeting $1 trillion by 2030 – as part of an overall $2.5 trillion sustainable development target – to advance renewable energy and other innovative technologies. And we are minimizing the environmental impact of our physical operations across thousands of branches, as well as our data centers and corporate offices. We are also making progress in implementing our $30 billion commitment to help close the racial wealth gap. Financing affordable places for people to live, expanding access to services through local community branches, and supporting Minority Depository Institutions and Community Development Financial Institutions are a few examples of how we’re putting this commitment to work. Because racial equity, like climate, requires a coordinated government response, we are advocating for policies that diversify the appraisal industry, help Americans with no credit file gain access to credit and provide access to affordable small business loans. Finally, we can only run a strong company and tackle these challenges if we have exemplary people. I am so proud of how hard our employees have worked through these tough times and the continued steps we’ve taken to cultivate a diverse and inclusive workplace and support our customers and communities. There is no doubt we – both as a company and society – have a long way to go. We may not get it right every time, but we strive every day to do the right thing. Moments of crisis are also moments of opportunity. In this year’s ESG report, I invite you to read about the work we do every day to drive lasting change. Jamie Dimon Chairman & CEO, JPMorgan Chase & Co. 2 INTRODUCTION Message from Our Chairman & CEO Company at a Glance Our Approach to ESG Feature: Our $2.5 Trillion Sustainable Development Target ENVIRONMENTAL SOCIAL GOVERNANCE ESG REPORT APPENDICES