美国银行Bank of America（BAC）2025年第三季度财务业绩演示报告「NYSE」（英文版）（30页）.pdf

1、Bank of America 3Q25 Financial ResultsOctober 15,2025Note:IB stands for investment banking.ROA stands for return on average assets.ROE stands for return on average common shareholders equity.ROTCE stands for return on average tangible common shareholders equity.1 End of period(EOP).2 CET1 stands for

2、 common equity tier 1 capital.CET1 ratio at September 30,2025,is preliminary.3 GLS stands for average Global Liquidity Sources.See note A on slide 26 for definition of Global Liquidity Sources.4 Revenue,net of interest expense.5 Diluted earnings per share.6 Operating leverage calculated as the year-

3、over-year percentage change in revenue,net of interest expense,less the percentage change in noninterest expense.7 Represents a non-GAAP financial measure.For important presentation information,see slide 29.3Q25 Highlights2Balance Sheet StrengthRevenue GrowthEarnings GrowthDeposits$2.0T1+4%YoYLoans$

4、1.2T1+8%YoYCET1 11.6%well above reg.min.2Robust liquidityGLS$961B3Revenue$28.1B4+11%YoYNet interest income+9%YoYSales&trading+9%YoYIB fees+43%YoY Asset mgmt.fees+12%YoYNet income$8.5B+23%YoYEPS$1.065+31%YoY Operating leverage65.6%Efficiency ratio62%ROA0.98%ROE 11.5%ROTCE15.4%7Note:Amounts may not to

5、tal due to rounding.1 For more information on reserve build(release),see note B on slide 26.2 Represent non-GAAP financial measures.For more information on pretax,pre-provision income and a reconciliation to the most directly comparable GAAP financial measure,see note C on slide 26.For important pre

6、sentation information,see slide 29.Summary Income Statement($B,except per share data)3Q252Q25Inc/(Dec)3Q24Inc/(Dec)Total revenue,net of interest expense$28.1$26.5$1.6 6%$25.3$2.7 11%Provision for credit losses 1.3 1.6 (0.3)(19)1.5 (0.2)(16)Net charge-offs 1.4 1.5 (0.2)(10)1.5 (0.2)(11)Reserve build(