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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Bank of America
Bank of America (BAC) investor relations material
Bank of America Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary14 Jan, 2026
Executive summary
Full-year 2025 net income reached $30.5 billion, up 13% year-over-year, with EPS of $3.81, up 19% year-over-year.
Q4 2025 net income was $7.6 billion, up 12% year-over-year, with EPS of $0.98, up 18%.
Full-year 2025 revenue was $113.1 billion, up 7% year-over-year; Q4 2025 revenue was $28.4 billion, up 7%.
Operating leverage improved by 250 basis points for the year and 330 basis points in Q4; efficiency ratio improved to 61% in Q4 2025.
Balance sheet remained strong with CET1 ratio at 11.4% and average deposits surpassing $2 trillion, up 3% year-over-year.
Financial highlights
Net interest income for Q4 2025 was $15.8 billion, up 10% year-over-year; full-year NII grew 7%.
Noninterest income in Q4 2025 was $12.6 billion, up 4% year-over-year.
Provision for credit losses in Q4 2025 was $1.3 billion, down from $1.5 billion in Q4 2024 and flat sequentially.
Noninterest expense in Q4 2025 was $17.4 billion, up 4% year-over-year, mainly due to higher incentive and technology expenses.
Tangible book value per share rose 9% to $28.73 from Q4 2024.
Outlook and guidance
FY26 net interest income expected to grow 5–7% year-over-year, with Q1 NII projected to grow ~7% from Q1 2025.
Operating leverage target of ~200 basis points for 2026.
Effective tax rate expected to be ~20% for 2026.
Management expects continued economic growth in 2026, with focus on core growth and profitability.
Loan growth anticipated in the mid-single digits, led by commercial and supported by consumer.
Commercial NCOs decreased. What's the CRE office outlook?
Capital returns vs. CET1 trend: 2026 outlook?
NII drivers: How will rate changes impact 2026?
How does AI adoption impact headcount?
What is the CET1 deployment strategy?
How will stablecoins affect deposit base?
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Next Bank of America earnings date
Q1 202615 Apr, 2026
Bank of America
Next Bank of America earnings date
Q1 202615 Apr, 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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