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Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Bank of America (BAC) investor relations material
Bank of America Investor Day 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Day 2025 summary5 Nov, 2025
Financial Performance and Guidance
Achieved 11% revenue growth, 600 bps operating leverage, and 31% EPS growth in Q3 2025, with strong credit performance and disciplined expense management.
Net interest income (NII) is expected to grow 6-7% in 2025 and compound at 5-7% annually over the next five years, driven by organic growth and a significant fixed-rate asset repricing tailwind.
Non-interest income is up 8% year-over-year in 2025, with investment and brokerage services up 12%, sales and trading up 11%, and investment banking up 10%.
Efficiency ratio is targeted to fall below 60% in the near term, with further improvement expected as NII growth drops to the bottom line.
Medium-term targets include 4-5% growth in deposits and loans, 12%+ EPS growth, and return on tangible common equity (ROTCE) of 16-18%.
Strategic Priorities, Direction, and Growth Initiatives
Focused on organic growth by deepening existing client relationships, adding new clients, and gaining market share across all eight lines of business.
Emphasizes a client-focused model leveraging integrated, world-class businesses and platforms, with responsible growth defined by market leadership, customer focus, risk framework adherence, and sustainability.
Leveraging technology and AI to drive efficiency, productivity, and client experience, with $13 billion annual tech spend and $4 billion dedicated to new initiatives.
Expanding into new markets, targeting 30%+ client share in every market, and scaling workplace benefits and employee banking programs.
Investing in high-growth areas such as cards, wealth management, and business banking, with ambitious targets for penetration and asset growth.
Business Performance and Segment Highlights
Consumer Banking reported $41.4B in 2024 revenue (+5% YoY), $10.8B net income (+13% YoY), and 27 consecutive quarters of net operating account growth.
Global Wealth & Investment Management achieved $22.9B in 2024 revenue (+8% YoY), $4.3B net income (+6% YoY), and $4.6T in client balances (+11% YoY).
Global Banking posted $24.0B in 2024 revenue (+4% YoY), $8.1B net income (-4% YoY), and 15% YoY deposit growth.
Global Markets delivered $21.8B in 2024 revenue (+11% YoY), $5.6B net income (+9% YoY), and 14 consecutive quarters of YoY sales & trading revenue growth.
International business expects to grow revenues by $4B and pre-tax profits by $2B, targeting 18% ROAC.
AI's impact on headcount and efficiency
Market expansion's impact on deposit growth
Merrill's NII contribution to pretax margin
AI's impact on efficiency and reinvestment
Business Banking's 30% market share strategy
Local market integration's competitive edge
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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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