美国银行Bank of America（BAC）2025年第四季度及全年业绩报告「NYSE」（英文版）（19页）.pdf

1、14Q25 Financial Highlights2,3(B)4Q25 Business Segment Highlights1,2,3,4(B)Consumer Banking Net income of$3.3 billion Revenue of$11.2 billion,up 5%Average deposits of$945 billion were modestly higher and up 31%from pre-pandemic levels(4Q19);#1 in U.S.Consumer Deposits5 Average loans and leases of$323

2、 billion,up$7 billion,or 2%Average Small Business loans grew 6%;#1 Small Business Lender for 18 consecutive quarters6 Combined credit/debit card spend of$255 billion,up 6%Client Highlights Added 680,000 net new consumer checking accounts in 2025;completed 28 consecutive quarters of net growth 38.4 m

3、illion consumer checking accounts;92%are primary7 4 million small business checking accounts$599 billion in consumer investment assets,up 16%8$1.2 trillion in payments,up 5%9 4.3 billion digital logins;69%of total sales were digitally-enabledGlobal Wealth and Investment Management Net income of$1.4

4、billion Revenue of$6.6 billion,up 10%.The increase was driven primarily by higher asset management fees,up 13%to$4.1 billion,reflecting higher market valuations and strong assets under management(AUM)flows Client balances of$4.8 trillion,up 12%,driven by higher market valuations and positive net cli

5、ent flows Average loans and leases of$257 billion,up$28 billion,or 12%Client Highlights Added 21,000 net new relationships across Merrill and Private Bank in 2025$2.2 trillion of AUM balances,up 16%86%of Merrill and Private Bank clients digitally activeGlobal Banking Net income of$2.1 billion Total

6、Corporation investment banking fees(excl.self-led)of$1.7 billion,up 1%#3 investment banking fee ranking for 202512$656 billion in average deposits,up 13%10%improvement in treasury service charges Global Markets Net income of$1.0 billion Sales and trading revenue of$4.5 billion,up 10%,including and e