Consumer & Community Banking Commercial Banking About This Report CCB ofers products and services to consumers and small businesses through bank CB provides comprehensive fnancial solutions, including lending, payments, invest- This ESG Report is designed to consolidate and summarize our branches, ATMs, digital (including mobile and online) and telephone banking. CCB is ment banking and asset management products across three primary client seg- work on ESG topics that are important to our business and organized into Banking & Wealth Management (including Consumer Banking, J.P. ments: Middle Market Banking, Corporate Client Banking and Commercial Real Estate stakeholders, and guide readers to where they can access Morgan Wealth Management and Business Banking), Home Lending (including Home Banking. Middle Market Banking covers small and midsized companies, local govern- more detailed information about specifc topics of interest. All Lending Production, Home Lending Servicing and Real Estate Portfolios) and Card ments and nonproft clients. Corporate Client Banking covers large corporations. data in this report is as of December 31, 2022, unless other- Services & Auto. Banking & Wealth Management ofers deposit, investment and Commercial Real Estate Banking covers investors, developers, and owners of multi- wise noted. lending products, cash management, payments and services. Home Lending family, ofce, retail, industrial and afordable housing properties. This report has also been informed by the Global Reporting includes mortgage origination and servicing activities, as well as portfolios consist- INTRODUCTION Initiative ("GRI") and relevant Sector Standards, as well as the ing of residential mortgages and home equity loans. Card Services issues credit Asset & Wealth Management Sustainability Accounting Standards Board ("SASB") reporting cards and ofers travel services. Auto originates and services auto loans and leases. Message from Our Chairman standards. Our ESG Report Appendices (see pages 63–69) on AWM, with client assets of $4.0 trillion, is a global leader in investment and wealth Company at a Glance GRI and SASB map our Firm’s disclosures related to these Corporate & Investment Bank management. Asset Management ofers multi-asset investment management solu- frameworks’ indicators and recommendations. Our Approach to ESG tions across equities, fxed income, alternatives and money market funds to institu- Our Firm communicates information about our ESG practices Feature: $2.5T Sustainable CIB, which consists of Banking and Markets & Securities Services, ofers a broad tional and retail investors providing for a broad range of clients’ investment needs. Development Target and performance through a number of channels—including suite of investment banking, market-making, prime brokerage, lending, and trea- The Global Private Bank provides retirement products and services, brokerage, cus- our Annual Report and Proxy Statement, ESG and Climate sury and securities products and services to a global client base of corporations, tody, estate planning, lending, deposits and investment management to high net ENVIRONMENTAL reports, regulatory flings, our website, press releases, direct investors, fnancial institutions, merchants, and government and municipal entities. worth clients. The majority of AWM’s client assets are in actively managed portfolios. conversations with stakeholders, and various other reports Banking ofers a full range of investment banking products and services in all major SOCIAL and presentations. We maintain a dedicated ESG Information capital markets, including advising on corporate strategy and structure, capital-rais- Corporate page on our website to facilitate access to information that we ing in equity and debt markets, as well as loan origination and syndication. Banking publish on these topics. GOVERNANCE also includes Payments, which provides payments services enabling clients to man- The Corporate segment consists of Treasury and Chief Investment Ofce (“CIO") and age payments and receipts globally, and cross-border fnancing. Markets & Securi- Other Corporate. Treasury and CIO is predominantly responsible for measuring, mon- APPENDICES ties Services includes Markets, a global market-maker across products, including itoring, reporting and managing the Firm’s liquidity, funding, capital, structural inter- cash and derivative instruments, which also ofers sophisticated risk management est rate and foreign exchange risks. Other Corporate includes staf functions and solutions, prime brokerage, and research. Markets & Securities Services also expense that is centrally managed as well as certain Firm initiatives and activities includes Securities Services, a leading global custodian which provides custody, fund not aligned to a specifc LOB. The major Other Corporate functions include Real accounting and administration, and securities lending products principally for asset Estate, Technology, Legal, Corporate Finance, Human Resources, Internal Audit, Risk managers, insurance companies and public and private investment funds. Management, Compliance, Control Management, Corporate Responsibility and vari- ous Other Corporate groups. Information about JPMorgan Chase’s fnancial performance is available in our quar- terly earnings materials, as well as quarterly and annual reports on Form 10-Q and Form 10-K, respectively. 4