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J.P. Morgan announces today that it has restructured its existing EU credit institutions into one legal entity, known as J.P. Morgan SE (JPMSE). This marks the conclusion of a firmwide project to deliver a more scalable, well capitalized, and simplified structure for EU-based clients to interact with. JPMSE offers products and services across J.P. Morgan’s businesses, including its Corporate & Investment Bank, Commercial Bank and Private Bank, and provides access to EU liquidity for clients operating globally.
The consolidation of the firm’s existing EU legal entity structure into JPMSE has been executed through a merger of J.P. Morgan Bank Luxembourg S.A. and J.P. Morgan Bank (Ireland) plc. into the German entity - J.P. Morgan AG. Following that process, J.P. Morgan AG has been converted into a “Societas Europaea,” a European public company.
JPMSE is headquartered in Frankfurt, Germany and has a branch network across the European Economic Area (EEA), with significant operations in Dublin, Luxembourg and Paris. Additionally, JPMSE maintains a London branch to service certain aspects of the firm’s private banking business. The combined unit is among the five largest banking legal entities in Germany, and among the top 20 under direct ECB supervision in the EU based on size of balance sheet. Its total capital base is around €34 billion. The reorganization of the firm’s EU legal entity structure sees no change to its existing office locations, and most EU based banking employees have realigned to it, including employees who moved to EU locations following Brexit.
Stefan Behr is CEO of JPMSE and is also a member of the firm’s Europe, Middle East and Africa (EMEA) Management Committee, which is chaired by Viswas Raghavan, CEO of J.P. Morgan in EMEA.
JPMSE is subject to prudential supervision by the European Central Bank, in cooperation with BaFin and Deutsche Bundesbank in Germany, and CSSF in Luxembourg. In certain respects, it is also subject to conduct of business supervision by the National Competent Authorities in the respective jurisdictions where it has established branches in the EEA. JPMSE London branch is authorized by the Prudential Regulation Authority (PRA) and is subject to regulation by the Financial Conduct Authority and the PRA. JPMSE takes its place in the bank chain under applicable US regulation as a subsidiary of J.P. Morgan Chase Bank. Rating agencies – Fitch, Moody’s and S&P - have affirmed no expected impact from the merger on JPMAG’s ratings, which have carried over to JPMSE, the renamed and surviving entity.
J.P. Morgan’s legal entities in the U.K., which include J.P. Morgan Securities plc. and J.P. Morgan Europe Ltd., remain unchanged.
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