Commercial Banking

From startups to legacy brands, you're making your mark. We're here to help.

  • Innovation Economy
    Fueling the success of early-stage startups, venture-backed and high-growth companies.
  • Midsize Businesses
    Keep your company growing with custom banking solutions for middle market businesses and specialized industries.
  • Large Corporations
    Innovative banking solutions tailored to corporations and specialized industries.
  • Commercial Real Estate
    Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
  • Community Impact Banking
    When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.
  • International Banking
    Power your business' global growth and operations at every stage.

Key Links

Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment.

  • Asset Based Lending
    Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.
  • Equipment Financing
    Maximize working capital with flexible equipment and technology financing.
  • Trade & Working Capital
    Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.
  • Syndicated Financing
    Leverage customized loan syndication services from a dedicated resource.
  • Commercial Real Estate
    Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
  • Employee Stock Ownership Plans
    Plan for your business’s future—and your employees’ futures too—with objective advice and financing.

Key Links

Institutional Investing

Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

  • Institutional Investors
    Putting your 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.
  • Prime Services
    Helping hedge funds, asset managers and institutional investors 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.
  • Securities Services
    Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.

Key Links

Investment Banking

Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

  • Center for Carbon Transition
    J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
  • Corporate Finance Advisory
    Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.
  • Development Finance Institution
    Financing opportunities with anticipated development impact in emerging economies.
  • Sustainable Solutions
    Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.
  • Mergers and Acquisitions
    Bespoke M&A solutions on a global scale.
  • Capital Markets
    Holistic coverage across capital markets.

Key Links

Payments

Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

Key Links

Private Bank

A uniquely elevated private banking experience shaped around you.

  • Banking
    We have extensive personal and business banking resources that are fine-tuned to your specific needs.
  • Investing
    We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.
  • Lending
    We take a strategic approach to lending, working with you to craft the fight financing solutions matched to your goals.
  • Planning
    No matter where you are in your life, or how complex your needs might be, we’re ready to provide a tailored approach to helping your reach your goals.

Wealth Management

Whether you want to invest on your own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.


  • Invest on your own
    Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.
  • Work with our advisors
    When you work with our advisors, you'll get a personalized financial strategy and investment portfolio built around your unique goals-backed by our industry-leading expertise.
  • Expertise for Substantial Wealth
    Our Wealth Advisors & Wealth Partners leverage their experience and robust firm resources to deliver highly-personalized, comprehensive solutions across Banking, Lending, Investing, and Wealth Planning.

Key Links

For Companies and Institutions

  • Commercial Banking

    From startups to legacy brands, you're making your mark. We're here to help.

  • Institutional Investing

    Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

  • Payments

    Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

  • Credit & Financing

    Prepare for future growth with customized loan services, succession planning and capital for business equipment.

  • Investment Banking

    Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

Key Links

For Individuals

  • Private Bank

    A uniquely elevated private banking experience shaped around you.

  • Wealth Management

    Whether you want to invest on you own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.

Key Links

Who We Serve

Key Links

All Insights

Explore a variety of insights.

Key Links

Insights by Topic

Explore a variety of insights organized by different topics.

Key Links

Insights by Type

Explore a variety of insights organized by different types of content and media.  

Key Links

About Us

We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.

Key Links

The sustainable investment data landscape is fragmented and ever-changing, and it’s a challenge for investors to efficiently manage their data and comply with evolving regulatory requirements. Globally, ESG and sustainability considerations continue to influence operational objectives of institutional investors, their clients and regulators. To satisfy the complex demands of various stakeholders, investors require vast volumes of sustainable investment data from multiple providers, as well as advanced capabilities to achieve their desired outcomes.

Factors shaping the sustainable investment data landscape

Investors continue to face complex challenges with sustainable investment data.

To understand the scope of the ESG and sustainable investment data challenge facing asset managers and asset owners, let’s look at each of these in turn.


Over the past decade, worldwide sustainability regulations in finance have increased by 155%.1 This includes the European Union’s new Corporate Sustainability Reporting Directive (CSRD) law that took effect in January 2023, which will affect reporting beginning this year. Aimed at driving change in the business behavior of companies operating in the European Union, it includes US companies with EU subsidiaries that meet certain criteria and is not limited to publicly-traded companies. Twelve new European Sustainability Standards (ESRS) under CSRD will require comprehensive and granular disclosures across all sustainability topics,2 and it is expected that 10,000 non-EU businesses, including 3,000 US companies, will be affected by CSRD reporting requirements in 2024.3

Globally, the International Sustainability Standards Board (ISSB) issued inaugural voluntary global sustainability disclosure standards in 2023. Multiple jurisdictions have expressed their intent to adopt these standards into national law, including Australia, Canada, Hong Kong, Japan, Malaysia, New Zealand, Nigeria, Singapore, and the UK, among others.4

In the US, the Securities and Exchange Commission’s 2024 regulatory agenda includes the finalization of its promised climate disclosure regulation and updates to the names rule to include sustainable investing terms, as well as other ESG-related proposed rulemaking. In California, climate-related disclosure laws passed in 2023 begin taking effect this year, continuing through 2026.5 ‘Greenwashing,’ or a lack of transparency in sustainability reporting, continues to be a concern for both regulators and investors.

In complying with individual regulations, institutional investors face a bewildering array of requirements across jurisdictions. With more than 600 sustainable investment reporting standards in use today6, the need for harmonization or a more unified reporting methodology is becoming more apparent. Given the variability and complexity of regulation, investors rely on multiple sources of data to comply with existing requirements.


The volume of ESG and sustainable investment data continues to proliferate as reporting standards expand, making it difficult to manage efficiently. Asset managers are the heaviest spenders on sustainable investment data, representing 59% of all buyers, followed by insurers and other institutional investors.7 Two years ago, institutional investors were spending an average of $1.3 MM annually just to collect, analyze and report climate data to inform their investment decisions.8

To obtain the different data sets they use, investors are relying on multiple data providers – a costly proposition that adds more contradictory, unstructured and fragmented data to the mix. Worse, it creates an even higher cost base, since in-house reconciliation and analysis is needed to rationalize and curate the data into a usable state.
With data that is often unstandardized and delivered in different formats – such as unconnected software applications, APIs and even spreadsheets – it is a daunting, resource intensive, and costly task.

The current state of play

As asset managers and asset owners look to integrate sustainable investment data into their investment strategies to meet end investors’ demands and evolving regulatory and reporting requirements, they face some common challenges.

Institutional investors typically take one of two approaches to managing their sustainable investment data and generating insights. Some may rely on the data purchased and received from third-party vendors, which can have inconsistent disclosures in terms of information and reporting.

Others choose to cleanse data in house, hiring data scientists to perform analyses and to manually clean data from their multiple sources. This approach is not only time-consuming and resource-intensive, but it also adds onto the already high cost of procuring the data in the first place.

Furthermore, it creates new risk from having to handle ad-hoc structural and schema changes by data vendors. As investors note in different industry surveys, both options are problematic.

So, what’s an investor to do?

Investors are looking to technologies like the cloud and AI to power advanced analytics and cope with massive amounts of sustainable investment data. Cloud technology can handle vast volumes of data, providing the ability to scale quickly without increased operational costs. AI can accelerate analysis, but only if the underlying data is reliable.

As has been shown time after time, technology alone won’t solve data problems: outcomes are only as good as the data that feeds the technology. Instead, investors can establish a scalable and solid data foundation that will support analytics and operations today, enable cloud-based efficiency and scalability, and fuel AI-driven solutions.

Consistency in data and smoothly integrated analytics will allow institutional investors to meet regulatory and end-investor expectations. More importantly, it will enable them to capitalize on the sustainable investment evolution to capture operational efficiencies and improve decision making.

A sustainable investment data solution needs to solve the critical data issues faced by investors today: easily sourcing data from multiple providers, getting data into a consistent state for analysis, applying proprietary lenses into data to solve for corporate hierarchy nuances, and developing multiple screening rules and custom calculations to solve for the most complex use cases.

To make faster, more effective investment decisions, asset managers and asset owners benefit from access to clean data, with tools to ensure strong data governance, all accessible via modern channels.

Meeting institutional investors where they are

As a leading asset servicing provider, J.P. Morgan uses its expertise and deep understanding of complex client challenges to offer a better way to manage sustainable investment data. Fusion by J.P. Morgan, a cloud-native data technology solution, provides a managed data service, analytics and reporting capabilities.

The platform integrates sustainable investment data from multiple sources, normalizes it for consistency, and delivers tools for screening, hierarchy management and advanced calculations.

Fusion makes data accessible: Investors can integrate and consume it using API, Jupyter notebooks, and cloud providers such as Snowflake and Databricks. This not only addresses the transparency concerns common to investors, but also allows data to be utilized at every stage of the investment management process.

Understanding that different organizations are at different maturity stages in managing sustainable investment data or optimizing their investment practices, Fusion is a flexible solution that meets investors where they are. Its capabilities can be adopted on a modular basis, with a quick plug-and-play into any tech stack. Investors gain cost control with lower operating expenses and minimal capital outlay, since they only subscribe to the services that best suit their specific needs. Alternatively, Fusion solutions are available as an end-to-end managed service, allowing investors to offload their trickiest data problems and helping them to move faster and focus on what they do best.

Fusion by J.P. Morgan can help institutional investors immediately extract value from multiple providers of sustainable investment data.

Learn More

1 Mind the data gap, July 2023, ESG Book
2 Worldwide Impact of CSDR, are you ready? January 2024, and What US companies need to know about the EUs CSRD, PwC
3 ESG Trends 2024, February 2024, Wolters Kluwer
4 ESG Insights: 10 Things That Should Be Top of Mind in 2024, January 2024, Harvard Law School Forum on Corporate Governance
5  Ibid
6 ESG Trends 2024, February 2024, Wolters Kluwer
7 How ESG data markets have evolved for financial services, March 2023, EY
8 Survey reveals costs and benefits of climate-related disclosure for companies and investors, May 2022, ERM

 

Related insights

  • Securities Services

    Securities Services

    Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.

    Learn more

  • Securities Services

    Collateral Services Insights Podcast

    Hear the latest insights on topical issues and events in the collateral industry.

    Listen now

  • Securities Services

    J.P. Morgan Data and Analytics

    Access comprehensive market and pricing datasets, analytics and reporting tools, and data management solutions.

    Learn more

FOR INSTITUTIONAL & PROFESSIONAL CLIENTS ONLY—NOT INTENDED FOR RETAIL CUSTOMER USE

This is not a product of J.P. Morgan Research.
J.P. Morgan is a marketing name for the Securities Services businesses of JPMorgan Chase Bank, N.A. and its affiliates worldwide.

JPMorgan Chase Bank, N.A. is regulated by the Office of the Comptroller of the Currency in the U.S.A., by the Prudential
Regulation Authority in the U.K. and subject to regulation by the Financial Conduct Authority and to limited regulation by the Prudential Regulation Authority, as well as the regulations of the countries in which it or its affiliates undertake regulated activities. Details about the extent of our regulation by the Prudential Regulation Authority, or other applicable regulators are available from us on request.

J.P. Morgan and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only and is not intended to provide, and should not be relied on for, tax, Legal, regulatory or accounting advice. You should consult your own tax, Legal, regulatory and accounting advisors before engaging in any transaction.

This document is not intended as a recommendation or an offer or solicitation for the purchase or sale of any security or financial instrument. Rather, this document has been prepared exclusively for the internal use of the J.P. Morgan’s clients and prospective client to whom it is addressed (including the clients’ affiliates, the “Company”) in order to assist the Company in evaluating, on a preliminary basis, certain products or services that may be provided by J.P. Morgan.

This document is provided for informational purposes only and is incomplete without reference to, and should be viewed solely in conjunction with, the oral briefing provided by J.P. Morgan. Any opinions expressed herein may differ from the opinions expressed by other areas of J.P. Morgan.

This document may not be disclosed, published, disseminated or used for any other purpose without the prior written consent of J.P. Morgan. The statements in this material are confidential and proprietary to J.P. Morgan and are not intended to be legally binding. All data and other information (including that which may be derived from third party sources believed to be reliable) contained in this material are not warranted as to completeness or accuracy and are subject to change without notice.

J.P. Morgan disclaims any responsibility or liability to the fullest extent permitted by applicable law, whether in contract, tort (including, without limitation, negligence), equity or otherwise, for any loss or damage arising from any reliance on or the use of this material in any way. The information contained herein is as of the date and time referenced only, and J.P. Morgan does not undertake any obligation to update such information.

J.P. Morgan is the global brand name for JPMorgan Chase & Co. and its subsidiaries and affiliates worldwide. All product names, company names and logos mentioned herein are trademarks or registered trademarks of their respective owners. Access to financial products and execution services is offered through J.P. Morgan Securities LLC (“JPMS LLC”) and J.P. Morgan Securities plc (“JPMS plc”). Clearing, prime brokerage and brokerage custody services are provided by JPMS LLC in the U.S. and JPMS plc in the U.K. Bank custody services are provided by JPMorgan Chase Bank, N.A. JPMS LLC is a registered U.S. broker dealer affiliate of JPMorgan Chase & Co., and is a member of FINRA, NYSE and SIPC. JPMS plc is authorized by the PRA and regulated by the FCA and the PRA in the U.K. JPMS plc is exempt from the licensing provisions of the Financial and Intermediary Services Act, 2002 (South Africa). J.P. Morgan Securities (Asia Pacific) Limited is regulated by the HKMA. J.P. Morgan Europe Limited, Amsterdam Branch does not offer services or products to clients who are pension plans governed by the U.S. Employee Retirement Income Security Act of 1974 (ERISA). For additional regulatory disclosures regarding these entities, please consult: www.jpmorgan.com/
disclosures.

The products and services described in this document are offered by JPMorgan Chase Bank, N.A. or its affiliates subject to applicable laws and regulations and service terms. Not all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank, N.A. and/or its affiliates.

© 2024 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC.