Better Health for All

JPMorgan Chase has a $30 billion Racial Equity Commitment, which exceeded $32.6 billion by 2024, and includes healthcare initiatives

. Its $2.5 trillion Sustainable Development Target also supports healthcare for low-to-moderate income individuals and underserved communities . Morgan Health, JPMorgan Chase's healthcare arm, has invested nearly $250 million into healthcare companies as of July 2025 , and committed $14 million in grants globally to advance the healthcare workforce . These grants have supported over 6,000 individuals globally in earning credentials or obtaining employment by July 2025 . Morgan Health also participated in a $75 million financing round for Centivo , a company whose primary care-centered health plans reduced members' out-of-pocket costs by 71% in 2023 , saving an average of $1,200 per employee annually . JPMorgan Chase committed $1 million to Futuro Health for a Healthcare Workforce Resilience Initiative to build the workforce in rural, urban, and underserved regions . The company opened three on-site advanced primary care centers for over 20,000 employees in Columbus, Ohio, offering comprehensive health and wellness services . Morgan Health also invested $50 million in Vera Whole Health , which integrates physical, social, and mental health, targeting underserved populations . JPMorgan Chase and Kaiser Permanente partnered to provide healthcare services to 8,000 employees in California, focusing on health equity metrics . The company recognizes mental health disparities, particularly among LGBTQ+ individuals , and provides comprehensive mental health benefits and wellness programs for its employees . JPMorgan Chase states compliance with global data protection, privacy, and cybersecurity laws and advocates for data-focused policy reforms in healthcare .

Fair Money & Economic Opportunity

No specific, quantifiable evidence was found in the provided articles to score any of the Key Performance Indicators (KPIs) against the 'Fair Money & Economic Opportunity' ethical value. While the articles detail significant commitments and progress in areas such as affordable housing

, small business lending to minority communities , and financial literacy initiatives , they do not provide the necessary data points (e.g., percentage of total customers from underserved segments, share of total loan book, total number of branches, or annual pre-tax profit) to calculate the required percentages or directly match the quantitative and qualitative thresholds defined in the rubric for scoring.

Fair Pay & Worker Respect

JPMorgan Chase's CEO-to-median employee pay ratio was 348:1

, with the CEO's total compensation for the fiscal year ending 2024 reported as $37,683,462. Globally, women are paid 99% of what men are paid, considering role, tenure, seniority, and geography, based on 2023 data. In the U.S., employees who self-identified as other than White were paid on par with White employees, considering similar factors, also based on 2023 data. The company conducts periodic pay equity reviews. In 2024, a special award of $1,000 was granted to eligible employees globally earning less than $80,000 in total annual cash compensation , following a similar $850 award in 2023.

Fair Trade & Ethical Sourcing

JPMorgan Chase's total procurement spend in 2024 was approximately $23 billion.

Of this, approximately $2.5 billion was spent with Tier 1 small and/or diverse suppliers , and approximately $1.2 billion was spent with Tier 2 small and/or diverse suppliers. This totals approximately $3.7 billion directed to diverse suppliers, representing about 16.09% of the procurement budget.

Honest & Fair Business

JPMorgan Chase & Co. incurred $891.99 million in ethics-related regulatory fines and settlements over the past three years. This includes a $348.2 million fine for trade surveillance deficiencies

, a $290 million settlement related to facilitating Jeffrey Epstein's activities , a $151 million settlement for misleading disclosures , a $100 million penalty for trade reporting violations , and a $1.79 million fine from Singapore for client misconduct .

Kind to Animals

JPMorgan Chase provided substantial financing to companies involved in deforestation activities in the Brazilian Amazon, the Congo Basin, and Papua New Guinea.

In September 2024, a coalition of 105 organizations urged the company to stop financing large factory farms. A shareholder proposal in May 2023 to include animal welfare oversight in the Public Responsibility Committee Charter received only 3.43% votes in favor. In July 2019, the company suspended an advertising campaign featuring direct contact with captive elephants after discussions with World Animal Protection. As a financial services firm, most KPIs related to products, testing, and direct animal operations are not applicable.

No War, No Weapons

No specific, concrete data points were found in the provided articles to match the quantitative thresholds or precise qualitative descriptions for any of the KPIs under the 'No War, No Weapons' ethical value. While articles mention JPMorgan Chase's investments in defense-related sectors and AI firms

, and its general human rights statements and sanctions programs , the information does not provide the exact metrics, frequencies, percentages, or specific policy details required by the rubric's scoring tiers for direct assessment of any KPI.

Planet-Friendly Business

JPMorgan Chase's total financed and facilitated emissions, primarily Scope 3, were 142.7 million tCO2e as of December 31, 2024.

The company sourced 100% renewable electricity for its global electric power needs annually since 2020 , with 36% met by on-site generation and long-term contracts in 2023. In 2024, it purchased 367,311 tCO2e in verified carbon offsets, covering over 100% of its operational Scope 1 and 2 market-based emissions (106,830 tCO2e). These offsets are from registries including Verra - Verified Carbon Standard and Climate Action Reserve , and the company has agreements for engineered carbon removal. JPMorgan Chase's subsidiary, Campbell Global, manages approximately 1.4 million acres of forests , with 100% of its managed investments certified by an independent forest certification provider. The firm adheres to TCFD recommendations for its climate-related disclosures , integrating climate risk into its firmwide risk identification framework and using scenario analysis. As of December 31, 2024, $1 billion was financed or facilitated for adaptation and resilience, representing 0.32% of its cumulative $309 billion Green objective.

Respect for Cultures & Communities

JPMorgan Chase has been criticized for failing to implement safeguards in line with U.N. human rights principles for Indigenous rights, with a notable lack of consideration for free, prior, and informed consent (FPIC), as highlighted in a 2024 BankTrack report.

The company's board recommended against a shareholder proposal in 2024 requesting a report on the effectiveness of its Indigenous rights policies, despite 30.4% investor support. The bank stated it would not cease financing clients operating without Indigenous consent. Furthermore, in April 2024, JPMorgan Chase canceled a meeting with Indigenous leaders from Peru's Amazon region who sought to discuss investments linked to oil spills and Indigenous rights violations. This demonstrates a systematic dismissal of cultural incidents and a 0% participation rate in FPIC processes for affected communities in relevant instances. While the company states it has policies to manage environmental and social risks, including those related to Indigenous Peoples' rights, their implementation appears inconsistent.

Safe & Smart Tech

JPMorgan Chase experienced a data breach affecting over 451,000 retirement plan members

, with exposed data including names, addresses, Social Security numbers, and bank account details . The breach, caused by a third-party software configuration flaw , began in August 2021 and went undetected until February 2024 , indicating a critical vulnerability was unaddressed for over two and a half years. Notifications to affected users started in April 2024 . The company's cybersecurity investment is approximately 0.335% of its revenue, based on $600 million allocated to cybersecurity in 2023 and a 2024 technology budget of $17 billion representing 9.5% of revenue . JPMorgan Chase demonstrates a proactive approach to AI ethics and algorithmic harm prevention. In March 2025, the company invested $10 million in FairPlay to identify and correct biases in AI-driven lending systems . Additionally, in May 2024, it sought patents for AI technologies designed to reduce unconscious bias in hiring and internal communications . Its Anti-Money Laundering (AML) system, launched in 2021 , achieved a 95% reduction in false positives . The bank also emphasizes transparency in its AI model lifecycle and focuses on AI governance, including technology controls and risk management .

Zero Waste & Sustainable Products

JPMorgan Chase has implemented several waste reduction initiatives, including expanding a single-use paper cup reduction program globally, potentially saving 20 million cups annually

. The company eliminated nearly all single-use plastic bottles in U.S. and U.K. offices, diverting an estimated 3 million bottles annually , and is transitioning to biodegradable gloves in U.S. kitchens . A program to eliminate desk-side bins is estimated to remove 27 million waste bin liners annually . The company also reduced office paper use by 50% as of 2021 and diverted approximately 600 tons of e-waste from landfills in 2024 . JPMorgan Chase has set company-wide waste reduction targets, including a 90% reduction in office paper use by 2025 (from a 2017 baseline) and an annual recurring target to divert 100% of e-waste from landfills . The company established Supplier Environmental Sustainability Guidelines in early 2023 , includes ESG-related questions as standard in supplier requests for proposal , and conducts supplier control assessments to monitor compliance with these guidelines . There have been no waste disposal violations reported in the past three years.