美国银行Bank of America（BAC）2025年第二季度财务业绩演示报告「NYSE」（英文版）（34页）.pdf

1、Bank of America 2Q25 Financial ResultsJuly 16,2025Note:ROE stands for return on average common shareholders equity.ROTCE stands for return on average tangible common shareholders equity.ROA stands for return on average assets.1 Revenue,net of interest expense.2 Diluted earnings per share.3 End of pe

2、riod(EOP).4 CET1 stands for common equity tier 1 capital.CET1 ratio at June 30,2025,is preliminary.5 GLS stands for average Global Liquidity Sources.See note A on slide 30 for definition of Global Liquidity Sources.6 Represents a non-GAAP financial measure.For important presentation information,see

3、slide 33.2Q25 Highlights2Growth in earningsContinued balance sheet strengthHealthy returnsRevenue$26.5B1+4%YoYNet income$7.1B+3%YoYEPS$0.892+7%YoYDeposits$2.0T3+5%YoYCET1 11.5%well above reg.min.4Robust liquidityGLS$938B5ROE 10.0%ROTCE13.4%6ROA0.83%Added 175,000 net new checking accounts;26 consecut

4、ive quarters of net growth3rd consecutive quarter of QoQ average deposit growth Consumer investment assets of$540B,1 up 13%YoY;over 4MM accounts with$19B flows since 2Q24Grew Small Business loans 8%YoYNote:Balance sheet metrics are end of period unless otherwise noted.1 End of period.Consumer invest

5、ment assets include end of period client brokerage assets,deposit sweep balances,brokered certificates of deposit(CDs),and assets under management(AUM)in Consumer Banking.Global Wealth&Investment Management(GWIM)client balances include deposits,loans and leases,AUM,brokerage,and other assets.2 Inves

6、tment balances include AUM,brokerage,and other assets.3 Includes net client flows across Merrill,Private Bank,and Consumer Investments.4 Source:Dealogic as of June 30,2025.5 Includes loans to Global Commercial Banking clients,excluding commercial real estate and specialized industries.#3 investment