The past year has required strength and resilience from so many. It has also shown that the work we do at JPMorgan Chase matters. For the customers and clients of the Firm, our work is impactful in good times—and is particularly important through challenging times. We strive to be resilient to crisis and to weather the pressure of each day while making strides toward our long-term eforts at sustainable growth and bring- ing value to our shareholders. JPMorgan Chase has worked to help our employees, customers and communities turn their aspirations into realities. Our longstanding commitment to integrity, fair- ness and responsibility continues to guide our work today as we help to power the global economy. We recognize the signifcant economic and societal opportuni- ties associated with a successful transition to a low-carbon economy. In 2022, we continued to act on our goal to align our fnancing of key sectors—Oil & Gas, Electric Power and Auto Manufacturing—with the goals of the Paris Agreement, and have established three new sectoral goals for Iron & Steel, Cement and Aviation. We are targeting $1 trillion by the end of 2030—as part of an overall $2. 5 trillion sustainable development target—to advance renewable energy and other innovative technologies. And we are minimizing the environ- mental impact of our physical operations across thousands of branches, as well as our data centers and corporate ofces.