Forward-looking statements - Investor Day presentations - Risk and uncertainty disclosure

Sep 24, 2026

Investor Day presentations include forward-looking statements under the Private Securities Litigation Reform Act of 1995, grounded in JPMorgan Chase & Co.’s management beliefs and expectations. The statements are subject to significant risks and uncertainties, and actual results may materially differ. Potential drivers of divergence are referenced via the company’s Annual Report on Form 10-K for the year ended December 31, 2024 and Quarterly Report on Form 10-Q for the quarter ended March 31, 2025.

LanguageEnglish

CategoryPresentations

FormatPDF

Pages153

Reading Time54 min

AccessFree to download

Forward-looking statements

Basis and limitations

Risks, uncertainties, and reference filings

No obligation to update

Operating model and strategic framework

Client franchises and principles

At-scale global diversification

Performance and growth track record

Revenue, net income, and ROTCE

Future focus and 2025 outlook

Regulatory, geopolitical, and economic uncertainties

Net interest income ex. markets

Forward-looking statements The Investor Day presentations contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of JPMorgan Chase & Co.’s management and are subject to significant risksand uncertainties. Actual results may differ from those set forth in the forward-looking statements. Factors that could cause JPMorgan Chase & Co.’s actual results to differ materially from those described in the forward-looking statements can be found in JPMorgan Chase & Co.’s Annual Report on Form 10-K for the year ended December 31, 2024 and Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2025, which have been filed with the Securities and Exchange Commission and are available on JPMorgan Chase & Co.’s website ([https://jpmorganchaseco.gcs-web.com/ir/sec-other-filings/overview](https://jpmorganchaseco.gcs-web.com/ir/sec-other-filings/overview) ), and on the Securities and Exchange Commission’s website ( [www.sec.gov](www.sec.gov)). JPMorgan Chase & Co. does not undertake to update any forward-looking statements. We have a proven operating model that is supported by a consistent strategic framework Complete Global Diversified At Scale Exceptional client franchises Unwavering principles ⚫ Customer centric and easy to do business with ⚫ Comprehensive set of products and services ⚫ Focus on safety and security ⚫ Powerful brands ⚫ Fortress balance sheet ⚫ Risk governance and controls ⚫ Culture and conduct ⚫ Operational resilience Long-term shareholder value ⚫ Continuously investing in the future while maintaining expense discipline ⚫ Focus on customer experience and innovation ⚫ Employer of choice for top talent from all backgrounds 1 Being complete, global, diversified and at scale enables us to meet clients’ and customers’ needs across the spectrum and through cycles AND OUR CLIENTS AND CUSTOMERS BENEFIT FROM A COMPLETE AND AT-SCALE OFFERING Consumer Banking Commercial Banking Business Banking Global Corporate Banking ECM Global Research International Consumer Initiatives9 Securities Services Global Private Bank Asset Management 2 We have leading client and customer centric franchises… Market share 2014 2024 CCB U.S. retail deposits 1 7.9% 11.3% | Credit card OS2 | 2019: 16.4% |
+90bps | 17.3% | | --- | --- | --- | --- | | Client investment assets3 | $213B |

+5.1x | $1.1T | 10-year total return> 2x peers 10 CIB AWM ⚫ \#1 retail deposit share in 22 of the top [125 U.S. markets](125 U.S. markets) | Investment Banking fees4 8.2% | | | | 9.2% | | --- | --- | --- | --- | --- | | Markets revenue5 8.7% | | | | 11.4% | | Treasury Services revenue6 2015: 4.6% | | | | 9.5% | | Securities Services revenue7 | 9.1% +160bps | | 10.7% | | | ⚫ Unrivaled scale, unique end-to-end capabilities | | | | | | Client assets8 | $2.3T |
+157% | $5.9T | | --- | --- | --- | --- | | Long-term fund AUM
outperforming over 10 years9 | 82% |

+300bps | 85% | | ⚫ 21 straight years of net positive total client asset flows | | | | For footnoted information, refer to slide 20 CCB AWM CIB \#1 U.S. retail deposits 1 [U.S.](U.S. credit card)[ credit card](U.S. credit card) issuer11 Primary Business Bank 12 \#1 IB fees4 Markets revenue5 \#1 Rated Private Bank in the World 15 Active flows 16 Treasury Services revenue6 Multifamily lender 13 Middle Market bookrunner 14 3 …which has led to strong absolute and relative performance over the last decade STRONG TRACK RECORD OF PERFORMANCE AND GROWTH TBVPS 1 ($) 10% compound annual growth rate since 2005 2x peers2 $16 $19 $27 $22 $23 $30 $39 $34 $51 $48 $45 $41 $97 $86 $54 $72 $66 $61 $56 $73 '05 '06 '07 '08 '09 '10 '11 '12 '13 '14 '15 '16 '17 '18 '19 '20 '21 '22 '23 '24 AND THIS YEAR WAS NO EXCEPTION

FAQs

What are forward-looking statements and how are they defined in the presentation?

The presentation states that Investor Day presentations contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, based on management beliefs and expectations.

Why might actual results differ from the forward-looking statements?

The document says statements are subject to significant risks and uncertainties, and actual results may differ materially due to factors referenced in the company’s filings.

Does JPMorgan Chase & Co. commit to updating forward-looking statements?

No. The presentation explicitly states that JPMorgan Chase & Co. does not undertake to update any forward-looking statements.

Sep 24, 2026

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