4Q23 Financial Results January 12, 2024

Agenda Page 1 4Q23 and FY23 Financial Results 1 2 Financial Outlook 10 3 Notes 13

Pretax Net income EPS FDIC special assessment in Corporate ($2,882) ($2,186) ($0.74) Net investment securities losses in Corporate ($743) ($563) ($0.19) 4Q23 Financial highlights 1 See note 4 on slide 13 2 - Absorbing Capacity for the current period. See note 1 on slide 14 3 Standardized risk- 4 Cash and marketable securities represents HQLA and unencumbered marketable securities. Estimated for the current period. See note 2 on slide 14 5 See note 3 on slide 13 6 See note 1 on slide 13 7 On May 1, 2023, JPMorgan Chase acquired certain assets and assumed certain liabilities of First relevant effects of the First Republic acquisition, as well as subsequent related business and activities, as applicable 8 Includes the net impact of employee issuances. Excludes excise tax and commissions cost 9 SIGNIFICANT ITEMS ($MM, EXCLUDING EPS) Balance sheet Loans: average loans of $1.3T up 17% YoY and 1% QoQ Ex. FR7, average loans of $1.2T up 4% YoY and 1% QoQ Deposits: average deposits of $2.4T flat YoY and up 1% QoQ Ex. FR, average deposits of $2.3T down 3% YoY and up 1% QoQ CET1 capital of $251B2 Standardized and Advanced CET1 capital ratios of 15.0%2 Capital distributed Common dividend of $3.1B or $1.05 per share $2.0B of common stock net repurchases8 Net payout LTM of 41%8,9 Income statement 4Q23 net income of $9.3B and EPS of $3.04 Excluding significant items5, 4Q23 net income of $12.1B, EPS of $3.97 and ROTCE of 19% Managed revenue of $39.9B6 Expense of $24.5B and managed overhead ratio of 61%6 ROTCE1 15% CET1 capital ratios2 Std. 15.0% | Adv. 15.0% Total Loss-Absorbing Capacity2 $514B Std. RWA3 $1.7T Cash and marketable securities4 $1.4T Average loans $1.3T 1

4Q23 Reported FR impact ex. FR 3Q23 4Q22 Net interest income $24.2 $1.3 $22.8 $1.4 $2.5 Noninterest revenue 15.8 0.5 15.2 (1.8) (0.0) Managed revenue1 39.9 1.9 38.1 (0.4) 2.5 Expense 24.5 0.9 23.6 2.7 4.6 Credit costs 2.8 0.1 2.6 1.2 0.3 Net income $9.3 $0.6 $8.7 ($3.4) ($2.3) Net income applicable to common stockholders $8.9 $0.6 $8.2 ($3.4) ($2.4) $3.04 $0.22 $2.82 ($1.15) ($0.75) ROE2 12% 1% 11% 16% 16% ROTCE2,3 15 1 14 20 20 1,2 61 (1) 62 54 53 Memo: NII excluding Markets 4 $23.6 $1.3 $22.2 $0.5 $2.2 NIR excluding Markets 4 10.6 0.5 10.0 (0.1) 0.1 Markets revenue 5.8 - 5.8 (0.8) 0.1 Managed revenue1 39.9 1.9 38.1 (0.4) 2.5 Adjusted expense 5 $24.3 $0.9 $23.4 $3.2 $4.4 Adjusted overhead ratio 1,2,5 61% (1)% 62% 53% 53% ex. FR $ O/(U) 4Q23 Financial results1 4Q23 Tax rate Effective rate: 17.8% Managed rate: 26.7%1,6 Note: Totals may not sum due to rounding 1 See note 1 on slide 13 2 Actual numbers for all periods, not over/(under) 3 See note 4 on slide 13 4 See note 2 on slide 13 5 See note 5 on slide 13 6 Reflects fully taxable- $B 4Q23 3Q23 4Q22 Net charge-offs $2.2 $1.5 $0.9 Reserve build/(release) 0.6 (0.1) 1.4 Credit costs $2.8 $1.4 $2.3 $B, EXCEPT PER SHARE DATA 4Q23 ROE O/H ratio CCB 33% 52% CIB 9% 62% CB 21% 35% AWM 28% 66% 2

FY2023 FY2022 ex. FR $ O/(U) Reported FR impact ex. FR Reported FY2022 Net interest income $89.7 $3.7 $86.0 $67.1 $18.9 Noninterest revenue 72.6 4.4 68.2 65.1 3.0 Managed revenue1 162.4 8.2 154.2 132.3 21.9 Expense 87.2 2.3 84.8 76.1 8.7 Credit costs 9.3 1.3 8.0 6.4 1.7 Net income $49.6 $4.1 $45.4 $37.7 $7.8 Net income applicable to common stockholders $47.8 $4.1 $43.7 $35.9 $7.8 $16.23 $1.39 $14.84 $12.09 $2.75 ROE2 17% 1% 16% 14% ROTCE2,3 21 2 19 18 1,2 54 (1) 55 58 Memo: NII excluding Markets 4 $90.0 $3.7 $86.3 $62.4 $24.0 NIR excluding Markets 4 44.5 4.4 40.1 40.9 (0.8) Markets revenue 27.8 - 27.8 29.0 (1.2) Managed revenue1 162.4 8.2 154.2 132.3 21.9 Adjusted expense 5 $85.7 $2.3 $83.4 $75.9 $7.5 Adjusted overhead ratio 1,2,5 53% (1)% 54% 57% FY23 ROE O/H ratio CCB 38% 50% CIB 13% 59% CB 20% 35% AWM 31% 64% $B FY2023 FY2022 Net charge-offs $6.2 $2.9 Reserve build/(release) 3.1 3.5 Credit costs $9.3 $6.4 FY23 Financial results1 Note: Totals may not sum due to rounding 1 See note 1 on slide 13 2 Actual numbers for all periods, not over/(under) 3 See note 4 on slide 13 4 See note 2 on slide 13 5 See note 5 on slide 13 6 Reflects fully taxable- $B, EXCEPT PER SHARE DATA FY23 Tax rate Effective rate: 19.6% Managed rate: 24.8%1,6 3

Fortress balance sheet Note: Totals may not sum due to rounding 1 Estimated for the current period. See note 1 on slide 14 2 3 4 See note 4 on slide 14 5 See note 4 on slide 13 6 Reflects Net Income Applicable to Common Equity 7 Excludes AOCI on cash flow hedges and DVA related to structured notes 8 Includes net share repurchases and common dividends 9 Primarily a reduction in CET1 capital deductions 10 Includes Loans and Commitments 4Q23 3Q23 4Q22 Risk-based capital metrics1 CET1 capital $251 $242 $219 15.0% 14.3% 13.2% 15.0 14.5 13.6 Basel III Standardized RWA $1,676 $1,692 $1,654 Leverage-based capital metric2 Firm SLR 6.1% 6.0% 5.6% Liquidity metrics3 Firm LCR 113% 112% 112% Bank LCR 129 123 151 Total excess HQLA $309 $252 $437 HQLA and unencumbered marketable securities 1,447 1,386 1,429 Balance sheet metrics Total assets (EOP) $3,875 $3,898 $3,666 Deposits (average) 2,372 2,356 2,380 Tangible book value per share5 86.08 82.04 73.12 4 $B, EXCEPT PER SHARE DATA 1,692 1,676 (4) (2) (10) 3Q23 Lending Market Risk Credit Risk ex. Lending 4Q23 STANDARDIZED CET1 RATIO (%)1 14.3% 15.0% (30 bps) (1 bps) 53 bps 30 bps 15 bps 3Q23 Net income AOCI Capital Distributions RWA Other 4Q23 6 7 8 9 Includes FDIC special assessment: (13 bps) STANDARDIZED RISK-WEIGHTED ASSETS ($B)1 10 4

Consumer & Community Banking1 KEY DRIVERS / STATISTICS ($B) DETAIL BY BUSINESS FINANCIAL PERFORMANCE (ex. FR)SELECTED INCOME STATEMENT DATA ($MM) KEY DRIVERS / STATISTICS ($B)3 Note: Totals may not sum due to rounding 1 See note 1 on slide 13; 2 See note 3 on slide 14 For additional footnotes see slide 15 CCB CIB CB AWM Corp. 4Q23 ex. FR $ O/(U) Reported FR impact ex. FR 3Q23 4Q22 Revenue $18,097 $1,091 $17,006 ($1) $1,213 Banking & Wealth Management2 10,877 745 10,132 (209) 550 Home Lending 1,161 346 814 (87) 230 Card Services & Auto 6,059 - 6,059 294 432 Expense2 9,336 599 8,737 215 825 Credit costs 2,189 15 2,174 726 329 Net charge-offs (NCOs) 1,638 2 1,636 237 791 Change in allowance 551 13 538 489 (462) Net income $4,788 $362 $4,425 ($882) ($131) 4Q23 ex. FR Reported FR impact ex. FR 3Q23 4Q22 Average equity $55.5 $3.5 $52.0 $52.0 $50.0 ROE 33% 0% 33% 40% 35% Overhead ratio 52 0 51 50 50 Average loans $571.2 $94.5 $476.7 $470.0 $448.5 Average deposits 1,092.4 42.9 1,049.6 1,076.8 1,142.5 Active mobile customers (mm)4 53.8 n.a. 53.8 53.2 49.7 Debit & credit card sales volume5 $441.0 $0.5 $440.5 $425.8 $411.1 4Q23 ex. FR Reported FR impact ex. FR 3Q23 4Q22 Banking & Wealth Management Business Banking average loans6 $19.5 - $19.5 $19.5 $20.5 Business Banking loan originations 1.1 - 1.1 1.3 1.1 Client investment assets (EOP) 951.1 144.6 806.5 741.7 647.1 Deposit margin 2.82% 0.03% 2.79% 2.85% 2.48% Home Lending Average loans $261.4 $91.1 $170.3 $172.9 $174.5 Loan originations7 7.2 0.4 6.8 10.3 6.7 Third-party mortgage loans serviced (EOP) 631.2 2.9 628.3 634.9 584.3 Net charge-off/(recovery) rate 0.01% (0.00)% 0.01% (0.04)% (0.08)% Card Services & Auto Card Services average loans $202.7 - $202.7 $195.2 $177.0 Auto average loans and leased assets 86.8 - 86.8 85.1 80.0 Auto loan and lease originations 9.9 - 9.9 10.2 7.5 Card Services net charge-off rate 2.79% - 2.79% 2.49% 1.62% Card Services net revenue rate 9.82 - 9.82 9.60 10.06 Card Services sales volume5 $307.2 - $307.2 $296.2 $284.8 Net income of $4.4B, down 3% YoY Revenue of $17.0B, up 8% YoY, predominantly driven by higher net interest income Expense of $8.7B, up 10% YoY, largely driven by higher compensation, including an increase in employees, primarily in bankers, advisors and technology, and wage inflation, as well as continued investments in marketing and technology Credit costs of $2.2B NCOs of $1.6B, up $791mm YoY, predominantly driven by continued normalization in Card Services Net reserve build of $538mm was driven by loan growth in Card Services Ex. FR: Average loans up 6% YoY and 1% QoQ Average deposits down 8% YoY and 3% QoQ EOP deposits down 7% YoY and 2% QoQ Active mobile customers up 8% YoY Debit & credit card sales volume up 7% YoY Client investment assets up 25% YoY and 9% QoQ 5

4Q23 3Q23 4Q22 Equity $108.0 $108.0 $103.0 ROE 9% 11% 12% Overhead ratio 62 63 61 Comp/revenue 31 29 29 IB fees ($mm) $1,654 $1,717 $1,467 Average loans 233.3 232.9 225.8 Average client deposits4 660.8 638.1 649.7 Merchant processing volume5 639 610 583 Assets under custody ($T) 32.4 29.7 28.6 Net charge-off/(recovery) rate6 0.25% 0.09% 0.02% Average VaR ($mm) $32 $38 $60 $ O/(U) 4Q23 3Q23 4Q22 Revenue $10,958 ($772) $360 Investment Banking revenue 1,576 (37) 187 Payments2 2,332 238 212 Lending 150 (141) (173) Total Banking 4,058 60 226 Fixed Income Markets 4,033 (481) 294 Equity Markets 1,778 (289) (153) Securities Services 1,191 (21) 32 Credit Adjustments & Other (102) (41) (39) Total Markets & Securities Services 6,900 (832) 134 Expense 6,774 (669) 279 Credit costs 210 395 69 Net income $2,524 ($568) ($790) Corporate & Investment Bank1 KEY DRIVERS / STATISTICS ($B)3 Net income of $2.5B, down 24% YoY; revenue of $11.0B, up 3% YoY Banking revenue IB revenue of $1.6B, up 13% YoY IB fees up 13% YoY, predominantly driven by higher debt and equity underwriting fees Payments revenue of $2.3B, up 10% YoY Excluding the net impact of equity investments, which included higher markdowns in the prior year, revenue was flat, as fee growth was predominantly offset by higher deposit-related client credits Lending revenue of $150mm, down 54% YoY, driven by mark-to-market losses on hedges of retained loans, partially offset by higher net interest income Markets & Securities Services revenue Markets revenue of $5.8B, up 2% YoY Fixed Income Markets revenue of $4.0B, up 8% YoY, driven by higher revenue in the Securitized Products Group7, partially offset by lower revenue in Rates Equity Markets revenue of $1.8B, down 8% YoY, driven by lower revenue in Derivatives and Cash Securities Services revenue of $1.2B, up 3% YoY Expense of $6.8B, up 4% YoY, predominantly driven by the timing of revenue-related compensation Credit costs were $210mm NCOs of $121mm Net reserve build of $89mm 1 See note 1 on slide 13 2 See note 3 on slide 14 For additional footnotes see slide 15 SELECTED INCOME STATEMENT DATA ($MM) FINANCIAL PERFORMANCE CCB CIB CB AWM Corp. 2 6

4Q23 ex. FR Reported FR impact ex. FR 3Q23 4Q22 Average equity $30.0 $1.5 $28.5 $28.5 $25.0 ROE 21% 1% 20% 23% 22% Overhead ratio 35 (3) 37 37 37 Payments revenue ($mm) $2,045 $65 $1,980 $2,045 $1,937 Investment Banking and Markets revenue, gross ($mm)4 $924 - $924 $821 $700 Average loans5 281.0 39.0 242.0 244.0 235.3 Average client deposits 267.8 5.7 262.1 262.1 278.9 Allowance for loan losses 5.0 0.7 4.3 4.2 3.3 Nonaccrual loans 0.8 0.1 0.7 0.9 0.8 Net charge-off/(recovery) rate6 0.18% (0.03)% 0.21% 0.08% 0.06% ALL/loans6 1.80 (0.01) 1.81 1.72 1.42 7 3 Commercial Banking1 KEY DRIVERS / STATISTICS ($B)2 Net income of $1.5B, up 4% YoY Revenue of $3.7B, up 7% YoY, largely driven by higher net interest income, where the impact of rates was partially offset by lower deposit balances Payments revenue of $2.0B, up 2% YoY, reflecting fee growth, largely offset by higher deposit-related client credits Investment Banking and Markets revenue, gross of $924mm, up 32% YoY, primarily reflecting increased capital markets and M&A activity Expense of $1.4B, up 9% YoY, driven by an increase in employees, including front office and technology investments, as well as higher volume-related expense, including the impact of new client acquisition Credit costs of $269mm NCOs of $127mm Net reserve build of $142mm, driven by a deterioration in the outlook related to commercial real estate valuations Average loans of $242B, up 3% YoY and down 1% QoQ C&I8 up 1% YoY and down 2% QoQ CRE8 up 4% YoY and flat QoQ Average deposits of $262B, down 6% YoY, primarily driven by lower non-operating deposits Flat QoQ, as client balances are seasonally higher at year- end Note: Totals may not sum due to rounding 1 See note 1 on slide 13 For additional footnotes see slide 15 FINANCIAL PERFORMANCE (ex. FR)SELECTED INCOME STATEMENT DATA ($MM) CCB CIB CB AWM Corp. 4Q23 ex. FR $ O/(U) Reported FR impact ex. FR 3Q23 4Q22 Revenue $4,016 $361 $3,655 ($10) $251 Middle Market Banking 1,898 75 1,823 40 204 Corporate Client Banking 1,164 2 1,162 (46) 53 Commercial Real Estate Banking 939 284 655 7 (11) Other 15 - 15 (11) 5 Expense 1,395 27 1,368 11 114 Credit costs 366 97 269 205 (15) Net income $1,653 $180 $1,473 ($217) $50 7

Asset & Wealth Management1 KEY DRIVERS / STATISTICS ($B)2 Net income of $925mm, down 18% YoY Revenue of $4.7B, up 2% YoY, driven by higher management fees on strong net inflows and higher average market levels, predominantly offset by lower net interest income on lower deposit margins and balances, partially offset by wider loan spreads Expense of $3.4B, up 11% YoY, largely driven by higher compensation, including performance-based incentives, continued growth in private banking advisor teams, the impacts of closing the J.P. Morgan Asset Management China acquisition and continued investments in Global Shares AUM of $3.4T and client assets of $5.0T were each up 24% YoY, driven by continued net inflows and higher market levels For the quarter, AUM had long-term net inflows of $12B and liquidity net inflows of $49B Average loans of $215B, up 1% YoY and up 2% QoQ Average deposits of $215B, down 9% YoY Up 7% QoQ, driven by inflows generated by targeted pricing and product offering initiatives Note: Totals may not sum due to rounding 1 See note 1 on slide 13 2 Actual numbers for all periods, not over/(under) SELECTED INCOME STATEMENT DATA ($MM) FINANCIAL PERFORMANCE (ex. FR) CCB CIB CB AWM Corp. 4Q23 ex. FR Reported FR impact ex. FR 3Q23 4Q22 Average equity $17.0 $1.0 $16.0 $16.0 $17.0 ROE 28% 6% 22% 26% 26% Pretax margin 34 5 28 31 33 Assets under management ("AUM") $3,422 - $3,422 $3,186 $2,766 Client assets 5,012 12 5,000 4,644 4,048 Average loans 227.0 11.7 215.3 210.8 214.2 Average deposits 226.6 11.2 215.4 202.0 237.0 4Q23 Reported FR impact ex. FR 3Q23 4Q22 Revenue $5,095 $432 $4,663 $94 $75 Asset Management 2,403 - 2,403 239 245 Global Private Bank 2,692 432 2,260 (145) (170) Expense 3,388 33 3,355 234 333 Credit costs (1) 13 (14) (32) (46) Net income $1,217 $292 $925 ($150) ($209) ex. FR $ O/(U) 8

Corporate1 FINANCIAL PERFORMANCE (ex. FR)SELECTED INCOME STATEMENT DATA ($MM) Revenue was $1.8B, up $597mm YoY Net interest income was $2.5B, up $1.2B YoY, driven by the impact of higher rates and balance sheet mix Noninterest revenue was a net loss of $687mm, compared with a net loss of $115mm in the prior year The current quarter included net investment securities losses of $743mm The prior year quarter included a $914mm gain on the sale of Visa B shares, largely offset by $874mm of net investment securities losses Expense of $3.4B, up $3.0B YoY, predominantly driven by the FDIC special assessment Note: Totals may not sum due to rounding 1 See note 1 on slide 13 CCB CIB CB AWM Corp. 4Q23 Reported FR impact ex. FR 3Q23 4Q22 Revenue $1,777 ($4) $1,780 $300 $597 Net interest income 2,445 (23) 2,468 482 1,170 Noninterest revenue (668) 19 (687) (181) (572) Expense 3,593 231 3,362 2,907 3,023 Credit costs (2) - (2) (49) 12 Net income/(loss) ($875) ($187) ($689) ($1,600) ($1,270) ex. FR $ O/(U) 9

Agenda Page 1 4Q23 and FY23 Financial Results 1 2 Financial Outlook 10 3 Notes 13

$94 ($8) $1.5 2023 4Q23 annualized Rate/reprice Balance sheet growth/mix 2024 outlook Rate / reprice2 Assumes 6 rate cuts in 2024 (4.0% FFTUB3 at YE) Deposit reprice and internal migration Note: Charts are not to scale; totals may not sum due to rounding 1 See note 2 on slide 13 2 Outlook is based on implied rate curve as of January 11, 2024 3 Federal Funds target upper bound (FFTUB) We expect ~$88B in NII ex. Markets for 2024, as loan growth partially offsets lower rates NII ex. Markets1 Markets NII 2Q23: $22 3Q23: $23 4Q23: $24 $97 4Q run rate $90 ~$90 Balance sheet growth / mix Loan growth including continued growth in credit card revolving balances Modest deposit attrition~ NII ex. Markets1: ~$88 NET INTEREST INCOME ($B) Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4Q2 Q3 Q4Q1 0.02% 0.97% 2.01% 0.25% 4.50% 5.50% FFTUB Cost of deposits 1Q23: $21 10

Our 2024 expense outlook is ~$90B Note: Totals may not sum due to rounding 1 See note 5 on slide 13 2 2023 FDIC special assessment 3 Represents a non- f $2.9B ADJUSTED EXPENSE1 ($B) $35 $38 $28 $29 $5 $6 $13 $14 $2 $2 2023 4Q23 annualized (ex. FDIC SA) 2024 CIB CB AWM Corp. ~$90 CCB 2024 DRIVERS Business-growth-driven hiring, primarily in front office Increase in technology spend associated with investments and higher business volumes, net of efficiencies Continued investments in the business Marketing Bankers, Advisors & Branches Higher market-dependent volume- and revenue-related expense Annualization of First Republic, with significantly lower 2024 exit run rate Residual inflationary pressures ~$86 FDIC SA2 $85.7 Q1 Q2 Q3 Q4 $21.43 11

Outlook1 1 See notes 1, 2 and 5 on slide 13 Expect FY2024 net interest income of ~$90B, market dependent Expect FY2024 net interest income excluding Markets of ~$88B, market dependent 1 Expect FY2024 Card Services NCO rate of < 3.50%3 FIRMWIDE Expect FY2024 adjusted expense of ~$90B, market dependent Adjusted expense excludes Firmwide legal expense2 12

Agenda Page 1 4Q23 and FY23 Financial Results 1 2 Financial Outlook 10 3 Notes 13

Notes on non-GAAP financial measures 1. rat Firmwide managed basis results are non-GAAP financial measures. The Firm also reviews the results of the lines of business on a definition of managed basis starts, in each case, with the reported U.S. GAAP results and includes certain reclassifications to present total net revenue for the Firm and each of the reportable business segments on a fully taxable-equivalent basis. Accordingly, revenue from investments that receive tax credits and tax-exempt securities is presented in the managed results on a basis comparable to taxable investments and securities. These financial measures allow management to assess the comparability of revenue from year-to-year arising from both taxable and tax-exempt sources. The corresponding income tax impact related to tax-exempt items is recorded within income tax expense. These adjustments have no impact on net income as reported by the Firm as a whole or by the lines of business. For a lement. There are no reclassifications associated with FR managed revenue 2. ews these metrics excluding CIB sactions, fees, commissions and other income, as well as net interest income. These metrics, which exclude Markets, are non-GAAP financial measures. Management reviews these metrics to assess the -liability management) and deposit-raising activities, apart from any volatility associated with Markets activities. In addition, management also assesses Markets business performance on a total revenue basis as offsets may occur across revenue lines. For example, securities that generate net interest income may be risk-managed by derivatives that are reflected at fair value in principal transactions revenue. Management believes these measures provide investors and analysts with alternative measures to analyze the revenue trends of the Firm. For a reconciliation of NII and NIR from reported to excluding Markets, refer to page 29 of the Earnings Release Financial Supplement. For additional information on Markets reven 2022 Form 10-K 3. Fourth-quarter 2023 net income, earnings per share and ROTCE excluding significant items are non-GAAP financial measures. Significant items collectively refer to the FDIC special assessment of $2.9B and net investment securities losses of $743mm. Excluding these significant items resulted in an increase of $2.7B (after tax) to reported net income from $9.3B to $12.1B; an increase of $0.93 per share to reported EPS from $3.04 to $3.97; and an increase of approximately 4% to ROTCE from esults 4. ach non-GAAP financial measures. nd identifiable intangible assets (other than TCE, refer to page 10 of the Earnings . ROTCE ex. FR uses the same -end divided by common shares at period-end. Book value per share was $104.45, $100.30 and $90.29 at December 31, 2023, September 30, 2023 and December 31, 2022, respectively. TCE, ROTCE and TBVPS are utilized by the Firm, as well as investors and analysts, 5. Adjusted expense and adjusted overhead ratio are each non-GAAP financial measures. Adjusted expense represents noninterest expense excluding Firmwide legal expense of $175mm, $665mm and $27mm for the three months ended December 31, 2023, September 30, 2023 and December 31, 2022, respectively; and $1.4B and $266mm for the full year 2023 and 2022, respectively. There was no legal expense excluded from FR adjusted expense for the three months ended December 31, a percentage of managed net revenue. Management believes this information helps investors understand the effect of these items on reported results and provides an alternate presentation of the 13

Additional notes 1. Reflects the Current Expected Credit Losses ("CECL") capital transition provisions. Beginning January 1, 2022, the $2.9B CECL capital benefit is being phased out at 25% per year over a three-year period. As of December 31, 2023 and September 30, 2023, CET1 capital and Total Loss-Absorbing Capacity reflected the remaining $1.4B CECL benefit; as of December 31, 2022, CET1 capital reflected a $2.2B benefit. Refer to Capital Risk Management on pages 48- Report on Form 10-Q for the quarterly period ended September 30, 2023 and on pages 86- -K for additional information 2. Total excess high- what is required to meet the estimated Firm and Bank total net cash outflows over a prospective 30 calendar-day period of significant stress under the LCR rule. HQLA and unencumbered marketable securities, includes end-of-period HQLA, excluding regulatory prescribed haircuts under the LCR rule where applicable, for both the Firm and the excess HQLA-eligible securities included as part of the excess liquidity at JPMorgan Chase Bank, N.A., which are not transferable to non-bank affilia LCR. Also includes other end-of-period unencumbered marketable securities, such as equity and debt securities. Does not include borrowing capacity at Federal Home Loan Banks and the discount window at the Federal Reserve Bank. Refer to Liquidity Risk Management on pages 54- Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2023 and on pages 97- -K for additional information 3. In the first quarter of 2023, the allocations of revenue and expense to CCB associated with a Merchant Services revenue sharing agreement were discontinued and are now retained in Payments in CIB. Prior-period amounts have been revised to conform with the current presentation 4. The 4Q22 prior-period amount has been revised to conform with the current presentation, which uses end-of-period HQLA and end-of-period unencumbered marketable securities. Previous presentations used average Firm HQLA (consistent with the LCR metric) and end-of-period unencumbered marketable securities 14

Additional notes on slides 5-7 Slide 5 Consumer & Community Banking 3. Actual numbers for all periods, not over/(under) 4. Users of all JPMorgan Chase mobile platforms who have logged in within the past 90 days. Excludes First Republic 5. Excludes Commercial Card 6. Includes the impact of loans originated under the PPP. For further information, refer to page 13 of the Earnings Release Financial Supplement 7. Firmwide mortgage origination volume was $8.6B, $13.0B and $8.5B for the three months ended December 31, 2023, September 30, 2023 and December 31, 2022, respectively Slide 6 Corporate & Investment Bank 3. Actual numbers for all periods, not over/(under) 4. Client deposits and other third-party liabilities pertain to the Payments and Securities Services businesses 5. Represents Firmwide merchant processing volume 6. Loans held-for-sale and loans at fair value were excluded when calculating the net charge-off/(recovery) rate 7. Securitized Products Group is comprised of Securitized Products and Tax Oriented Investments Slide 7 Commercial Banking 2. Actual numbers for all periods, not over/(under) 3. In the third quarter of 2023, certain revenue from CIB Markets products was reclassified from payments to investment banking. Prior-period amounts have been revised to conform with the current presentation 4. Includes gross revenues earned by the Firm that are subject to a revenue sharing arrangement between CB and the CIB for Investme s 2022 Form 10-K for discussion of revenue sharing 5. Includes the impact of loans originated under the PPP. For further information, refer to page 20 of the Earnings Release Financial Supplement 6. Loans held-for-sale and loans at fair value were excluded when calculating the net charge-off/(recovery) rate and loan loss coverage ratio 7. Note that FR net charge-offs were a net recovery of $1mm in CB in 4Q23; the FR impact to the net charge-off rate is negative due to the addition of FR loans to the overall denominator and the net recovery 8. and do not align with regulatory definitions 15

Forward-looking statements This presentation contains 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 & forth in the forward- materially from those described in the forward- Annual Report on Form 10-K for the year ended December 31, 2022, and Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2023, which have been filed with the Securities and Exchange - web.com/financial-information/sec- (www.sec.gov). JPMorgan Chase & Co. does not undertake to update any forward-looking statements. 16