J.P. MORGAN EUROPE LIMITED
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Cash
—
Latest balance sheet
Net assets
£2.6B
+11.5% highest in 3 filed years
Employees
703
-13.7% lowest in 3 filed years
Profit before tax
£159M
+329.4% highest in 3 filed years
Net assets
3-year trend · vs Industrials median
J.P. MORGAN EUROPE LIMITED·Industrials median
J.P. MORGAN EUROPE LIMITED·Industrials median
J.P. MORGAN EUROPE LIMITED·Industrials median
J.P. MORGAN EUROPE LIMITED·Industrials median
J.P. MORGAN EUROPE LIMITED·Industrials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £395,815,000 | £449,105,000 | +13.5% | |
| Fee & commission income | — | £46,450,000 | £52,507,000 | +13% | |
| Operating income | — | — | — | — | |
| Impairment losses | — | £200,000 | £3,131,000 | +1,465.5% | |
| Profit before tax | £8,595,000 | £37,020,000 | £158,964,000 | +329.4% | |
| Net profit | £9,522,000 | £26,775,000 | £114,294,000 | +326.9% | |
| Loans & advances to customers | — | £2,830,000 | £179,003,000 | +6,225.2% | |
| Customer deposits | — | £22,794,662,000 | £26,663,435,000 | +17% | |
| Total assets | £18,783,436,000 | £25,449,940,000 | £29,435,906,000 | +15.7% | |
| Total liabilities | — | £23,122,968,000 | £26,841,916,000 | +16.1% | |
| Equity | £1,429,544,000 | £2,326,972,000 | £2,593,990,000 | +11.5% | |
| Average employees | 802 | 815 | 703 | -13.7% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Net margin | 2.5% | 6.1% | — | |
| Gearing (liabilities / total assets) | 92.4% | 90.9% | 91.2% | |
| Current ratio | 1.10x | 1.12x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 3 times since incorporation
- J.P. MORGAN EUROPE LIMITED 2002-01-28 → present
- CHASE MANHATTAN INTERNATIONAL LIMITED 1996-07-15 → 2002-01-28
- CHEMICAL INVESTMENT BANK LIMITED 1992-06-19 → 1996-07-15
- MANUFACTURERS HANOVER LIMITED 1968-09-18 → 1992-06-19
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. We have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months.”
Significant events
- “Successful roll-out of its first credit card product, serving an additional need for its customer base.”
- “Became the Official Payment Provider of Transport for London ("TfL").”
- “Named Best Current Account Provider in 2025 for the third consecutive year at the British Bank Awards.”
- “Named Banking App of the Year for the second consecutive year at the MoneyfactsCompare.co.uk Awards 2025.”
- “Named a Which? recommended provider for its current account for the first time.”
- “Became the Official Banking Partner of the Home Nations Football Teams.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 77 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| O'MALLEY, Danielle | Secretary | 2025-07-23 | — | — |
| J.P. MORGAN SECRETARIES (UK) LIMITED | Corporate Secretary | 2002-01-17 | — | — |
| ADAMSON, Clive Peter | Director | 2020-04-06 | Mar 1956 | British |
| DI DONATO ROOS, Melissa | Director | 2022-01-04 | Sep 1972 | American,British |
| LITTELL-PAPE, Lorraine | Director | 2019-10-03 | Oct 1958 | American |
| MACFARLANE, Diane Vanessa | Director | 2024-02-27 | Oct 1977 | British |
| MELLING, Matthew Paul | Director | 2018-04-10 | Mar 1971 | British |
| MORGAN, Keith Charles William | Director | 2022-08-11 | Dec 1963 | British |
| O'DONOVAN, Mark William | Director | 2025-11-04 | Jul 1970 | American |
| WATTERS, Kevin Patrick | Director | 2024-04-15 | Dec 1968 | American |
Show 77 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ADESANYA, Abimbola | Secretary | 2017-09-06 | 2019-01-01 |
| CARROLL, Robert Courtney | Secretary | 2000-03-13 | 2002-12-12 |
| HARTE, Brian Arthur | Secretary | 1997-06-05 | 2001-04-30 |
| HORAN, Anthony James | Secretary | 2000-03-13 | 2004-01-02 |
| LAMB, James Christopher George | Secretary | — | 1993-10-28 |
| LYALL, Ian Robert | Secretary | 1993-10-28 | 2012-05-04 |
| OATES, Karen Ann | Secretary | 2001-09-26 | 2002-01-17 |
| PATEL, Hina | Secretary | 2019-01-01 | 2025-07-18 |
| ALLEN, Scott Ames | Director | 1995-08-23 | 1995-11-01 |
| ALLEN, Scott Ames | Director | 1992-09-01 | 1994-06-13 |
| ASPBURY, Herbert Francis | Director | — | 1993-02-19 |
| BAX, Matthew | Director | 2016-11-11 | 2017-03-16 |
| BINKS, Thomas Anthony | Director | 1992-06-18 | 1994-08-01 |
| BISCHOFF, Winfried Franz Wilhelm, Sir | Director | 2019-10-18 | 2023-04-25 |
| BOURGI, Ramy Saleh | Director | 2005-02-11 | 2005-10-26 |
| BROWN, James Thomas | Director | 2003-07-25 | 2011-12-31 |
| BURD, John Henry | Director | 1996-09-02 | 1997-05-06 |
| CASHEL, Thomas William | Director | — | 1995-09-05 |
| CAVIEZEL, Alexander Andrew | Director | 2007-01-23 | 2012-04-01 |
| CHATTWELL, Kevin Grant Christopher | Director | — | 1998-02-12 |
| DAVIES, Michael John | Director | 2013-03-21 | 2014-12-01 |
| DE ROTHSCHILD, Evelyn, Sir | Director | — | 1995-01-18 |
| DOHERTY, Ann Teresa | Director | 2015-02-20 | 2024-02-01 |
| DRYSDALE, William Dermot | Director | 1999-11-12 | 2001-09-26 |
| FAST, Jakub | Director | 2024-05-08 | 2026-02-06 |
| FOSS, Lawrence Wardwell | Director | 1992-06-18 | 1993-12-10 |
| GARVIN, Mark Stephen | Director | 1992-06-18 | 2020-06-23 |
| GILDEA, Richard Paul | Director | 2007-09-20 | 2008-11-17 |
| GOMEZ, Modesto | Director | 2002-11-05 | 2003-06-30 |
| GROPPI, Steven Berard | Director | 2005-02-25 | 2006-12-12 |
| HANNON, Bruce Gardner | Director | 1994-06-13 | 2000-12-29 |
| HOFFNER, Barry James | Director | 1995-09-06 | 1996-02-09 |
| HOOD, John Samuel, The Honourable | Director | 2001-03-14 | 2002-04-18 |
| HOOPER, Alison Louise | Director | 2009-10-01 | 2011-09-09 |
| HOPPE, Thomas Duncan | Director | 1994-11-22 | 1996-03-28 |
| HOPPE, Thomas Duncan | Director | 1992-07-14 | 1994-06-13 |
| IMBERT, Federico | Director | 1999-06-30 | 2001-01-12 |
| KANE, David Arthur | Director | 2014-02-19 | 2015-12-23 |
| KORABLINA, Elena | Director | 2012-06-25 | 2018-04-26 |
| KUROWSKI, Douglas Joseph | Director | 1996-08-08 | 1998-07-03 |
| LAKE, Marianne | Director | 2000-03-13 | 2004-04-14 |
| LAZELL, Brian Clive | Director | 1996-03-28 | 1998-03-26 |
| LEWIS, Sali Ann | Director | 2004-04-26 | 2007-06-22 |
| LIGHTE, Peter Rupert | Director | 2003-07-25 | 2006-12-12 |
| LOLLI, Ettore | Director | — | 1993-12-31 |
| LYALL, Ian Robert | Director | 2001-09-26 | 2003-07-25 |
| MCGILLICUDDY, John Francis | Director | — | 1993-12-31 |
| MEADOWS, Graham John | Director | 2007-08-02 | 2012-04-27 |
| MOHAN, Aditya | Director | 1998-06-18 | 2000-03-13 |
| MORAN, Jane Drury | Director | 2020-02-25 | 2024-04-16 |
| MOUCHEL, Frederic Marie Pierre | Director | 2012-07-04 | 2015-12-08 |
| MULLEY, Michael John | Director | 1993-02-19 | 1994-05-27 |
| MUNRO, Elizabeth Amstutz | Director | 2011-08-26 | 2012-10-30 |
| NOLAN, Elizabeth | Director | 2005-02-11 | 2009-09-22 |
| NORTH, Robert Charles | Director | 2012-06-28 | 2014-07-23 |
| PANZURES, Andrew Dennis | Director | 1996-07-11 | 2000-03-08 |
| PARTRIDGE, Fraser Charles | Director | 1999-02-11 | 2001-03-14 |
| PINTO, Daniel Eduardo | Director | 2003-07-25 | 2005-02-24 |
| PRIESTLEY, Robert Clive Ormsby | Director | 2000-05-23 | 2001-09-26 |
| RAGHAVAN, Viswas | Director | 2016-09-26 | 2020-06-23 |
| RENNOLDSON, Gordon Harry | Director | 2003-07-25 | 2007-05-18 |
| RIDLEY, Michael Howard | Director | 1998-07-02 | 2005-02-24 |
| SAUNDERS, Robin Idris | Director | 2008-11-27 | 2012-07-25 |
| SAWHNEY, Swapan | Director | 2014-12-22 | 2015-05-13 |
| SHOTTON, Paul Nigel | Director | 1997-09-18 | 2004-05-31 |
| SMITH, Richard John | Director | — | 1994-06-13 |
| SOMANI, Sanjiv Dwarka | Director | 2022-11-16 | 2023-08-06 |
| SPENCER, Patrick Henri | Director | 2000-02-11 | 2001-08-13 |
| STANDING, Robert Charles | Director | 1992-07-14 | 1998-07-07 |
| STEWARD, Andrew James King | Director | 1994-03-11 | 1996-08-08 |
| STEWARD, Andrew James King | Director | — | 1993-02-19 |
| SUGIURA, Binsuke | Director | — | 1992-10-07 |
| TAYLOR, Geoffrey Stephen | Director | 1996-03-07 | 1999-11-12 |
| VISWANATHAN, Sanoke | Director | 2020-06-23 | 2025-06-17 |
| WARD, Robert Gavan | Director | 2013-10-11 | 2015-03-24 |
| WELLS, Mark Andrew | Director | 1997-06-05 | 1998-10-30 |
| ZUTTER, John Daniel | Director | — | 1992-07-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| J.P. Morgan Capital Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-11-11 | Active |
| J.P. Morgan Securities Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2019-11-11 |
Filing timeline
Last 20 of 426 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-04-05 MA Memorandum articles
- 2024-04-05 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-07 | AA | accounts | Accounts with accounts type full | |
| 2026-04-22 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-04-20 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-02-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-20 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-08 | SH01 | capital | Capital allotment shares | |
| 2025-07-29 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-07-29 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-07-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-27 | AA | accounts | Accounts with accounts type full | |
| 2025-03-26 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-12-23 | CH01 | officers | Change person director company with change date | |
| 2024-07-05 | SH01 | capital | Capital allotment shares | |
| 2024-06-05 | AA | accounts | Accounts with accounts type full | |
| 2024-05-17 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-17 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-05 | MA | incorporation | Memorandum articles | |
| 2024-04-05 | RESOLUTIONS | resolution | Resolution | |
| 2024-03-15 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 2
- Officers appointed
- 2
- Officers resigned
- 2
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.