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Company Research27 Apr 2023
Earnings Season Recap #22
Bank Week: Citi, BofA, WF, MS, GS, and last but not least, Tesla
Bank of America (BAC) investor relations material
Bank of America Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary10 Dec, 2025
Macroeconomic and industry outlook
U.S. economic growth projected at 2.4% for next year, with increased certainty compared to six months ago.
Labor availability is a growing concern for businesses, especially in services and construction.
Consumer spending up 4.3% year-over-year in November, consistent with 2%+ GDP growth.
Credit quality remains strong across consumer, small business, and middle market segments.
Key risks include geopolitical events, rate structure missteps, and inflation, but outlook through 2026 remains positive.
Consumer and business trends
Consumer account balances remain elevated compared to pre-pandemic, except for the highest balance cohort.
Credit quality and FICO scores are strong; housing market slow due to rates, not credit issues.
Small and middle market businesses are healthy, with credit usage below pre-pandemic levels.
Growth strategy and competitive positioning
Emphasis on organic growth, with competitive moats in technology, global markets, and integrated business lines.
Consistent growth in primary checking accounts and commercial banking market share.
Wealth management targets increased net new assets from 2-3% to 4%, with renewed advisor recruitment.
Headcount stable since 2022, with redeployment toward client-facing and technology roles.
What's the key differentiator for wealth management growth?
How will AI impact the aggregate expense base?
How do rescinded lending rules impact commercial growth?
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Next Bank of America earnings date
Q4 202514 Jan, 2026
Next Bank of America earnings date
Q4 202514 Jan, 2026
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Frequently asked questions
One of the largest banks in the world
Bank of America is one of the largest banks in the world, with over 4,600 retail financial centers and a presence in more than 35 countries. The company offers a wide range of financial products and services to consumers, small businesses, and large corporations.
Operating one of the most popular banking apps
Bank of America generates the majority of its revenue from consumer banking, including mortgages, credit cards, and personal loans. The company's retail financial centers are a popular destination for consumers looking to manage their finances, and Bank of America's mobile banking app is one of the most popular in the industry.
Involved in large financial transactions
In addition to its consumer banking operations, Bank of America also offers a range of corporate and investment banking services, including investment banking, wealth management, and trading services. The company is a major player in the global financial markets and has been involved in some of the largest financial transactions in history, including the merger of AT&T and Time Warner.
Bank of America’s main competitors
The financial industry is highly competitive, with other public companies such as JPMorgan Chase, Citigroup, and Wells Fargo also offering similar services. Bank of America is known for its commitment to corporate social responsibility, including investments in renewable energy and affordable housing.
Interesting facts about Bank of America
Bank of America was originally founded in San Francisco in 1904 as the Bank of Italy, with a focus on serving immigrant communities.
The company was a major player in the development of the modern credit card industry, by launching the first general-purpose credit card in 1958.
Bank of America is also known for its iconic skyscraper, the Bank of America Tower, which is one of the tallest buildings in the United States. The tower is home to Bank of America's corporate headquarters and features a range of sustainable design features, including rainwater harvesting and energy-efficient lighting systems.
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