For Companies and Institutions Commercial Banking We provide tailored credit, financing, treasury and payment solutions for businesses of all sizes and commercial real estate. Backed by the strength and stability of J.P. Morgan, our dedicated experts deliver industry-specific guidance and services, empowering you to manage cash flow, seize growth opportunities and achieve your strategic goals. Commercial Banking Global Corporate Banking We help clients achieve their long-term strategic goals through financing, liquidity, payments, risk management and investment banking solutions. Global Corporate Banking Investment Banking Providing investment banking solutions, including M&A, capital raising and risk management, for a broad range of corporations, institutions and governments. Investment Banking Payments Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more. For Institutional Investors Asset Management Putting our long-tenured investment teams on the line to earn the trust of institutional investors. Asset Management Putting our long-tenured investment teams on the line to earn the trust of institutional investors. Markets Direct access to market leading liquidity harnessed through world-class research, tools, data, and analytics. Direct access to market leading liquidity harnessed through world-class research, tools, data, and analytics. Securities Services Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of a rapidly evolving market. Securities Services Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of a rapidly evolving market. Global Research Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice. Global Research Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice. Prime Services Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market. Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market. Global Liquidity Solutions Global short-term fixed income strategies designed to help clients manage liquidity through the cycle. Global Liquidity Solutions Global short-term fixed income strategies designed to help clients manage liquidity through the cycle. For Individuals Wealth Management With J.P. Morgan Wealth Management, you can invest on your own or work with an advisor to design a personalized investment strategy. We have opportunities for every investor. Wealth Management With J.P. Morgan Wealth Management, you can invest on your own or work with an advisor to design a personalized investment strategy. We have opportunities for every investor. Private Bank A uniquely elevated private banking experience shaped around you. A uniquely elevated private banking experience shaped around you. Personal Investing (UK only) Invest with J.P. Morgan Personal Investing, a platform for UK-based clients with the human expertise, intuitive app and tools to help you work towards your long-term goals. Personal Investing (UK only) Invest with J.P. Morgan Personal Investing, a platform for UK-based clients with the human expertise, intuitive app and tools to help you work towards your long-term goals. Why Wealth Management? Market Commentary Retirement Calculators Workplace Solutions Enhance your equity compensation offering with solutions designed to empower your employees and bring your reward strategy to life. Workplace Solutions Enhance your equity compensation offering with solutions designed to empower your employees and bring your reward strategy to life. INDUSTRIES WE SERVE Commercial Real Estate Consumer and Retail Diversified Industries Energy, Power & Renewables Financial Institutions Financial Sponsors Innovation Economy Media, Telecom and Entertainment Metals & Mining Explore a variety of insights. Global Research Insights by Topic Explore a variety of insights organized by different topics. Business Planning Corporate Responsibility Global Research Markets and Economy Securities Services Wealth Planning Global Research Insights by Type Explore a variety of insights organized by different types of content and media. Global Research We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries. News and Stories Events and Conferences Security and Resiliency Initiative Important notice Please be aware of scammers posing as J.P. Morgan offering fake investment products to the public that may include fixed rate bonds, term deposits or a J.P. Morgan Initial Coin Offering (ICO). J.P. Morgan does not accept deposits from or offer investment products to the general public (retail clients) in Australia or New Zealand. Remain alert and do not take any action in relation to these scams. In Australia contact ASIC ; in New Zealand contact FMA . With more than 100 years of history in Australia and New Zealand, we have long-established, deep client relationships and broad product capabilities. As one of the few full-service financial institutions in Australia and New Zealand, local corporations and institutions, multinationals, governments and private clients rely on us for market-leading financial services—a confidence bred from our strength and ability to deliver integrated services across the Commercial & Investment Bank and Asset & Wealth Management. We have operated in the Asia Pacific region for over 100 years, and today are present across 17 markets in the region. Clients rely on our global strength, local expertise and leadership across our lines of business. In Asia Pacific, we are committed to helping promote economic growth and economic inclusion through our key philanthropic initiatives in the areas of workforce readiness, small business development and financial capability. Our investments aim to increase the number of quality jobs created for the underserved individuals and communities, helping small businesses become more sustainable, as well as assisting marginalized people in gaining access to affordable financial products so that they can become more financially secure. This shared commitment to the community drives our Foundation’s giving and employee engagement and volunteering activities across the region. J.P. Morgan is a global leader in financial services, offering solutions to the world's most important corporations, governments and institutions in more than 100 countries. As announced in 2020, JPMorganChase will deploy $2 billion in philanthropic capital around the world by 2025. We also lead volunteer service activities for employees in local communities by utilizing our many resources, including those that stem from access to capital, economies of scale, global reach and expertise. Future of Superannuation Report Retirement in transition: decumulation, advice and trust Message from the CEO, Australia & New Zealand At J.P. Morgan, our global footprint is one of our greatest strengths. Our ability to leverage the breadth and depth of the firm's capabilities to serve our clients sets us apart. Our approach to business is to act locally and think globally to support our clients' global mindset. Our commitment to helping clients in Australia and New Zealand dates back to the 19th century. As a result of our enduring presence, we have built long-term and trusted relationships with local industry leaders, financial institutions, governments, regulators, family-owned businesses, and private clients. We have strong ties to the community and we are passionate about giving back, supporting non-profit organisations with philanthropic capital and through employee volunteering. We are focused on diversity, opportunity and inclusion and recruiting top talent, whether it is young individuals who join our internship programs or more experienced individuals wanting a career in the financial services sector. As we continue to grow and build our franchise, we strive to develop and retain talent, leverage our strength, global reach, expertise, and relationships, and continue providing our clients with the best solutions. Robert Bedwell , CEO of Australia & New Zealand Giving back to our local community Being a good corporate citizen and operating with integrity is central to how we do business. We believe that we have a responsibility to harness our business, talent and global presence to strengthen economies and communities. J.P. Morgan’s corporate responsibility initiatives in Australia and New Zealand focus on workforce readiness programs for underserved youth and aim to support the communities in which we live and work. We know that our strongest asset is the talent of our employees. The GoodWorks Program is an employee-led volunteer program that allows employees to identify opportunities where they can make a difference and create meaningful impact through local community service activities. J.P. Morgan has been a long-term supporter of the Art Gallery of New South Wales and provided free access to the public to the Brett Whiteley Studio, the workplace and home of Australian artist, Brett Whiteley (1939-1992) in Sydney’s Surry Hills for 20 years. In 2023, we became a major partner of The Tank Gallery Exhibition Series, held in The Tank Gallery, which was once used to fuel the naval fleets in WWII, that has been transformed into a spectacular art space and is one of the highlights of the Sydney Modern Project. The firm continues to acquire artworks to ensure that our local collection remains dynamic, and reflects our focus on diversity, opportunity and inclusion. The acquisitions represent younger, women, First Nations and LGBTQ+ artists, presenting a more contemporary view of art in Australia.

Australian Business Community Network - providing mentoring programs to improve the educational and career outcomes for disadvantaged youth. Graeme Dingle Foundation - supporting secondary school students in New Zealand with goal setting and employability skills. Indigenous Marathon Foundation (IMF) - a health promotion charity that uses running to celebrate Indigenous resilience and achievement and create inspirational Indigenous leaders. The IMF is the race beneficiary for the J.P. Morgan Corporate Challenge in Sydney. TAFE NSW - committed nearly $1 million to support underserved youth in south western Sydney in taking the first step to gaining the skills and knowledge they need to secure employment and be successful in a rapidly changing economy. Star Jam - inspiring young people with disabilities in New Zealand. Productivity Bootcamp - helping underserved youth in south western Sydney and equipping them with valuable skills in areas such as carpentry, plumbing, formwork, concreting, landscaping and more over an eight-week course. Australian Red Cross - committed over US$745,000 to immediate bushfire relief efforts following the 2019/2020 bushfires, as well as philanthropic capital for a community preparedness project with the Australian Red Cross to support long-term sustainability efforts. Culture of well-being J.P. Morgan provides various employee support programs to foster a better working environment and improve employee well-being. Employee Assistance Program and Work-Life Services: confidential professional counselling, consultation and referral services are available for employees and their family. Helping employees to prevent small issues from becoming big issues, supporting life’s challenges and helping people to thrive day to day. Flexible Work Arrangements: we recognise that employees may require flexibility in managing their professional and personal responsibilities, and workplace flexibility is an important aspect of the way we do business. Parental Program : a variety of benefits are available including paid parental leave, superannuation contributions paid for up to 52 weeks of parental leave as well as parental mentoring, which supports new parents and helps to facilitate connections and relationships. Personal Insurance Plans: we provide a comprehensive suite of personal insurance benefits designed to support employees and their loved ones. Our offerings include life and total and permanent disability coverage (irrespective of the superannuation fund employees choose) as well as salary continuance insurance. Private Health Insurance Reimbursement Program: provides an annual reimbursement for private health insurance to assist in supporting employees’ existing and future health care needs, family formation and changes needed to hospital or extras cover. Employees can also utilise the corporate discounts available through selected insurance providers. Salary Packaging Program: arrangements are available for laptops, iPads, mobile phones, taxi travel, car parking as well as novated leasing. Study Assistance Program: is available for work-related educational development programs that complement the role employees perform. Wellness Program : offers convenient on-site free flu vaccination, skin checks, breast and pectoral examinations, and other on-site health offerings such as pilates, yoga, and meditation classes, seated massage, and health appraisals. Lifestyle Benefits Program: offers exclusive discounts and savings across a wide range of products and services such as gym membership, insurance, travel, and entertainment from groceries and food, to name a few. Paid Gender Affirmation Leave: 20 days of paid leave for employees who are affirming their gender identity. Diversity, Opportunity & Inclusion (DOI) We are working hard to drive a diverse culture of respect, opportunity and inclusion across everything we do—from how we serve our clients and develop products and services, to the ways we help communities and support our employees. What problem can we solve together? What problem can we solve together? Asset Management At J.P. Morgan Asset Management, we believe investors deserve an expert global partner they can trust to step up and deliver strong outcomes. Commercial Banking We provide tailored credit, financing, treasury and payment solutions for businesses of all sizes and commercial real estate. Backed by the strength and stability of J.P. Morgan, our dedicated experts deliver industry-specific guidance and services, empowering you to manage cash flow, seize growth opportunities and achieve your strategic goals. Investment Banking Providing investment banking solutions, including M&A, capital raising and risk management, for a broad range of corporations, institutions and governments. Direct access to market leading liquidity harnessed through world-class research, tools, data and analytics. Let J.P. Morgan empower your business to thrive by unlocking value from innovative, end-to-end solutions and integrated platforms. Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market. A uniquely elevated private banking experience shaped around you. Securities Services Solutions Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets. Regulatory disclosures Australia: JPMCB Sydney Branch Prudential Standard CPS 511 Remuneration Disclosure Australia: Disclosure on Pre-Hedging Activity Australia: JPMSAL On-Market Buy Backs Whistleblower Policy Australia: J.P. Morgan Securities Australia Limited Research Independence Australia: Legal Entity Information New Zealand: Legal Entity Information Notice to Australian clients – ASIC Class Orders Australia: JPM-X General Disclosure Australia: Best Execution Disclosure Australia: Client Order Priority and Allocation Disclosure New Zealand disclosure statements In accordance with the Reserve Bank of New Zealand Act 1989, J.P. Morgan provides a Disclosure Statement so our customers, and other interested parties, can be kept up to date with our financial performance. The Disclosure Statement is a detailed disclosure of J.P. Morgan’s financial position. Copies of J.P. Morgan’s most recent Disclosure Statement will be provided at no charge immediately to any person requesting a copy where the request is made at the following location: JPMorgan Chase Bank, N.A., Ground Floor, 40 Bowen Street, Pipitea, Wellington, New Zealand. Disclosure Statement HY2026 Disclosure Statement FY2025 Disclosure Statement HY2025 Disclosure Statement FY2024 Disclosure Statement HY2024 Disclosure Statement FY2023 Disclosure Statement HY2023 Disclosure Statement FY2022 Disclosure Statement HY2022 Disclosure Statement FY2021 Disclosure Statement HY2021 Disclosure Statement FY2020 Disclosure Statement 2Q2020 New Zealand bank call reports Bank’s Call Report HY2026 Bank’s Call Report FY2025 Bank’s Call Report HY2025 Bank’s Call Report FY2024 Bank’s Call Report HY2024 Bank’s Call Report FY2023 Bank’s Call Report HY2023 Bank’s Call Report FY2022 Bank’s Call Report HY2022 Bank’s Call Report 4Q2021 Bank’s Call Report HY2021 Bank’s Call Report 4Q2020 Bank’s Call Report HY2020 New Zealand audited financials A copy of JPMCB’s audited financial statements is available on request by emailing jpm_rbnz_finance_aus@jpmorgan.com . Australia & New Zealand markets products disclaimers Sales and Trading Disclaimer For general inquiries regarding J.P. Morgan in Australia and New Zealand, please contact us at: Sydney, Australia: +612 9003 8888 Melbourne, Australia: +613 9633 4000 For general inquiries and global media contact information, please visit our Global Contacts . You're now leaving J.P. Morgan J.P. Morgan’s website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. J.P. Morgan isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the J.P. Morgan name.