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美国银行Bank of America(BAC)2025年第二季度财报(10-Q)「NYSE」(英文版)(393页).pdf

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1、UNITED STATESSECURITIES AND EXCHANGE COMMISSIONWashington,D.C.20549FORM 10-Q(Mark One)QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF 1934For the Quarterly Period Ended June 30,2025or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF 1

2、934For the transition period from toCommission file number:1-6523Exact name of registrant as specified in its charter:Bank of America CorporationState or other jurisdiction of incorporation or organization:DelawareIRS Employer Identification No.:56-0906609Address of principal executive offices:Bank

3、of America Corporate Center100 N.Tryon StreetCharlotte,North Carolina 28255Registrants telephone number,including area code:(704)386-5681Former name,former address and former fiscal year,if changed since last report:Securities registered pursuant to Section 12(b)of the Act:Title of each classTrading

4、 Symbol(s)Name of each exchange on which registeredCommon Stock,par value$0.01 per shareBACNew York Stock ExchangeDepositary Shares,each representing a 1/1,000th interest in a shareBAC PrENew York Stock Exchange of Floating Rate Non-Cumulative Preferred Stock,Series EDepositary Shares,each represent

5、ing a 1/1,000th interest in a shareBAC PrBNew York Stock Exchange of 6.000%Non-Cumulative Preferred Stock,Series GGDepositary Shares,each representing a 1/1,000th interest in a shareBAC PrKNew York Stock Exchange of 5.875%Non-Cumulative Preferred Stock,Series HH7.25%Non-Cumulative Perpetual Converti

6、ble Preferred Stock,Series LBAC PrLNew York Stock ExchangeDepositary Shares,each representing a 1/1,200th interest in a shareBML PrGNew York Stock Exchangeof Bank of America Corporation Floating RateNon-Cumulative Preferred Stock,Series 1Title of each classTrading Symbol(s)Name of each exchange on w

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1. **财务表现**:2025年Q2净收入71.16亿美元,同比增3.2%;上半年净收入145.12亿美元,同比增6.9%。净利息收入146.7亿美元(Q2)和291.13亿美元(H1),主要受存款成本下降和贷款增长驱动。 2. **业务 segments**: - **Consumer Banking**:净收入29.73亿美元(Q2),贷款余额3,209亿美元,存款9,543亿美元。 - **Global Wealth & Investment Management**:净收入9.93亿美元(Q2),管理资产4.4万亿美元。 - **Global Banking/Markets**:非利息收入117.93亿美元(Q2),投资银行费下降但交易收入部分抵消。 3. **风险与资本**:信贷损失准备金15.92亿美元(Q2),主要受信用卡组合影响;CET1资本率11.5%,符合监管要求。 4. **关键指标**:效率比率64.93%,ROE 9.98%, tangible book value每股27.71美元。
美股财报亮点? 银行股投资价值? 经济影响几何?
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