Bank of America Corp (BAC) operating KPIs

BACNYSENational Commercial BanksFiscal year ends December 31Also trades as BAC.PB, BAC.PE, BAC.PK, BAC.PL, BAC.PM, BAC.PN, BAC.PO, BAC.PP, BAC.PQ, BAC.PS, BACRP, BML.PG, BML.PH, BML.PJ, BML.PL, MER.PK

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 30, 2026Score 12/303% below fair value

$50.01−1.13 (-2.21%)

Close on Oct 30, 2026Market cap $349.71BP/E 11.9Yield 2.16%

KPIs

Operating metrics that drive Bank of America's business · fiscal year ends December 31

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Metric	Q3 2026 2026-09-30	Q2 2026 2026-06-30	Q1 2026 2026-03-31	Q4 2025 2025-12-31	Q3 2025 2025-09-30	Q2 2025 2025-06-30	Q1 2025 2025-03-31	Q4 2024 2024-12-31	Q3 2024 2024-09-30	Q2 2024 2024-06-30	Q1 2024 2024-03-31	Q4 2023 2023-12-31

Active Digital Banking Users (Consumer Banking)6	50,381.00	49,834.00	49,986.00	49,323.00	49,198.00	48,998.00	49,028.00	48,150.00	47,830.00	47,304.00	47,079.00	46,265.00
Active Mobile Banking Users	42,596.00	42,056.00	41,766.00	41,427.00	41,258.00	40,840.00	40,492.00	39,958.00	39,638.00	38,988.00	38,544.00	37,927.00
Consumer Households Actively Using Digital Platforms	80.00	80.00	79.00	79.00	79.00	79.00	78.00	78.00	77.00			75.00
Total Consumer Digital Logins	4.20	4.40	4.30	4.30	4.20	4.10	4.00	3.90	3.60	3.50	3.40
Active Erica Virtual Financial Assistant Users	24.20	24.60	21.30
Digitally-Enabled Consumer Sales Volume	2.30	2.20	2.00	1.90	2.00	1.90	2.00
Digitally-Enabled Sales Share of Total Consumer Sales	71.00	70.00	71.00	69.00	66.00	65.00	65.00	61.00	54.00	53.00	50.00	49.00
Active Zelle P2P Payment Users4	25.70	25.50	25.00	25.00	24.70	24.30	23.90	23.70	23.20	22.60	21.90	21.50
Quarterly Zelle Transactions Sent & Received	500.00	495.00	460.00	474.00	459.00	446.00	416.00	424.00	400.00	382.00	348.00	342.00
Quarterly Zelle Dollar Payment Volume	164.00	160.00	147.00	144.00	143.00	139.00	130.00	127.00		115.00	106.00	101.00
Total Consumer Payments Volume (ACH, BillPay, Zelle, Wires, Card, P2P)	1.20	1.20	1.10	1.20	1.10	1.20	1.10	1.10	1.10
Combined Credit and Debit Card Spend	266.00	266.00	245.00	255.00	245.00	244.00	228.00	241.00	232.00	234.00	219.00	229.00
Total Consumer Checking Accounts2	38.90	38.70	38.50	38.40	38.40	38.20	38.00	37.80	37.60	37.20	36.90	36.70
Primary Checking Accounts Share of Total Consumer Checking	92.00	92.00	91.00	92.00	92.00	92.00	92.00	92.00	92.00	92.00	92.00	92.00
Enrolled Preferred Rewards / BofA Rewards Clients	17.60	13.30	11.40	11.40	11.30	11.20	11.10	11.20	11.20
Total Retail Financial Centers (Branches)2	3,531	3,530	3,540	3,628	3,649	3,664	3,681	3,700	3,741	3,786	3,804	3,845
Total Branded ATMs	14,965	14,939	14,902	14,909	14,920	14,904	14,866	14,893	14,900	14,972	15,028	15,168
Total Corporation Full-Time Equivalent Employees (Headcount)	209,911	211,304	212,134	213,207	213,384	213,388	212,732	213,193	213,491	212,318	212,335	212,985
GWIM — Merrill Wealth Management Digital Household Adoption Rate9	87.00	87.00	88.00	86.00	85.00	86.00	87.00	85.00	84.00	85.00	86.00	83.00
Merrill Mobile Channel Household Adoption Rate	67.00	67.00	67.00	65.00	64.00	64.00	64.00	63.00	62.00
Merrill eDelivery Household Adoption Rate	86.00	85.00	85.00	84.00	84.00	83.00	83.00	82.00	82.00	81.00	80.00	80.00
Merrill Automated Check Deposits Share	76.00	76.00	76.00	77.00	76.00	76.00	75.00	76.00	75.00	75.00		75.00
Merrill Eligible Client Accounts Opened Digitally	81.00	83.00	82.00	80.00	79.00	78.00	79.00	77.00	75.00	75.00	76.00	72.00
Bank of America Private Bank Digital Relationship Adoption Rate	93.00	94.00	94.00	93.00	93.00	93.00	93.00		92.00	92.00	92.00	92.00
Private Bank Mobile Relationship Adoption Rate	78.00	77.00	77.00	77.00	76.00	76.00	76.00
Private Bank eDelivery Relationship Adoption Rate	53.00	54.00	53.00	52.00	52.00	51.00	51.00
Private Bank Automated Check Deposits Share	78.00	77.00	78.00	77.00	77.00	77.00	76.00		76.00	76.00	76.00
Private Bank Eligible Accounts Opened Digitally	56.00	53.00	50.00
Global Banking — Digitally Active Relationship Clients Share3	86.00	86.00	86.00	86.00	86.00	86.00	86.00	86.00	87.00	87.00	87.00
CashPro App Total Mobile Sign-Ins	3.00	2.90	2.70	2.60	2.40	2.30	2.20	2.10	2.04	1.87	1.75
CashPro App Mobile Payment Approvals Value	358.00	346.00	324.00	336.00	299.00			284.00	283.00	253.00	246.00	245.00
CashPro Chat Interactions Supported by Erica Technology	41.10	40.10	38.70	39.70	39.20	37.60	33.50	32.50			30.00

Net Interest Yield on Average Interest-Earning Assets (FTE NIM)4	2.16	2.08	2.07	2.08	2.01	1.94	1.99	1.97	1.92	1.93	1.99	1.97
Net Interest Rate Spread (Yield on IEA − Rate Paid on IBL)	1.44	1.39	1.38	1.33	1.24	1.17	1.20	1.09	0.97	0.95	1.02	1.01
Impact of Noninterest-Bearing Sources on Net Interest Yield	0.72	0.69	0.69	0.75	0.77	0.77	0.79	0.88	0.95	0.98	0.97	0.96
Yield on Total Average Interest-Earning Assets (FTE)6	4.47	4.39	4.38	4.50	4.64	4.60	4.67	4.91	5.14	5.15	5.12	5.02
Yield on Total Loans and Leases10	5.36	5.24	5.29	5.45	5.60	5.58	5.65	5.80	5.93	5.89	5.87	5.78
Yield on Residential Mortgage Loans	3.64	3.57	3.54	3.52	3.52	3.46	3.36	3.32	3.29	3.21	3.17	3.12
Yield on Home Equity Loans	5.58	5.48	5.31	5.59	5.86	5.80	5.74	6.09	6.48	6.38	6.14	6.34
Yield on Credit Card Loans	10.93	10.81	11.10	11.18	11.52	11.41	11.49	11.44	11.64	11.48	11.22	10.98
Yield on Direct/Indirect and Other Consumer Loans	5.13	5.11	5.17	5.34	5.49	5.47	5.43	5.57	5.74	5.54	5.45	5.31
Yield on Total Consumer Loans	5.69	5.60	5.65	5.71	5.82	5.74	5.74	5.77	5.85	5.71	5.61	5.52
Yield on U.S. Commercial Loans	5.14	5.01	5.02	5.17	5.33	5.36	5.34	5.45	5.44	5.49	5.55	5.42
Yield on Non-U.S. Commercial Loans	4.92	4.73	4.75	5.29	5.45	5.42	6.01	6.55	7.05	7.09	6.98	6.99
Yield on Commercial Real Estate Loans	5.62	5.62	5.67	5.93	6.23	6.23	6.29	6.69	7.31	7.24	7.33	7.33
Yield on Direct Lease Financing	5.13	5.06	5.74	5.46	5.37	5.33	5.46	5.39	5.30	5.22	5.41	5.14
Yield on Total Commercial Loans	5.14	5.01	5.04	5.27	5.45	5.46	5.59	5.82	5.99	6.02	6.06	5.98
Yield on Total Debt Securities	2.75	2.74	2.77	2.88	2.97	2.96	2.95	2.99	3.08	2.98	2.92	2.68
Yield on Federal Funds Sold and Securities Borrowed/Purchased under Agreements to Resell	4.61	4.50	4.52	4.64	4.76	4.65	4.75	5.88	6.40	6.52	6.83	6.84
Yield on Trading Account Assets	5.34	5.16	5.08	5.01	5.35	5.27	5.31	5.11	5.09	5.05	4.93	5.05
Yield on Other Interest-Earning Assets	7.27	7.60	7.20	7.68	7.89	7.89	8.63	9.61	10.62	11.04	10.10	9.43
Yield on Time Deposits Placed and Other Short-Term Investments	2.93	3.15	2.98	3.31	3.59	3.43	4.04	4.54	4.29	4.55	4.80	5.48
Rate Paid on Total Average Interest-Bearing Liabilities5	3.03	3.00	3.00	3.17	3.40	3.43	3.47	3.82	4.17	4.20	4.10	4.01
Rate Paid on Total Interest-Bearing Deposits4	2.03	1.98	1.99	2.20	2.40	2.38	2.42	2.62	2.85	2.78	2.65	2.54
Rate Paid on Total U.S. Interest-Bearing Deposits	2.01	1.97	1.97	2.14	2.35	2.32	2.33	2.52	2.74	2.67	2.53	2.43
Rate Paid on U.S. NOW and Money Market Deposit Accounts	1.87	1.82	1.81	1.97	2.19	2.13	2.10	2.29	2.52	2.44	2.34	2.05
Rate Paid on U.S. Consumer CDs, IRAs, Time and Regular Savings	2.64	2.62	2.72	2.88	2.99	3.09	3.27	3.46	3.62	3.60	3.43	3.55
Rate Paid on Non-U.S. Interest-Bearing Deposits	2.23	2.11	2.11	2.80	2.94	3.11	3.42	3.81	4.16	4.12	4.11	3.94
Rate Paid on Federal Funds Purchased and Securities Loaned/Sold under Agreements to Repurchase	4.81	4.70	4.52	4.73	4.85	4.78	4.87	5.90	6.43	6.68	6.92	7.08
Rate Paid on Short-Term Borrowings and Other Interest-Bearing Liabilities	4.35	4.34	4.55	4.97	5.28	5.45	5.91	6.65	7.41	7.64	7.15	6.67
Rate Paid on Trading Account Liabilities	5.22	5.32	5.71	5.06	5.08	5.04	5.34	4.44	4.04	4.03	4.24	4.67
Rate Paid on Long-Term Debt	4.95	4.85	4.86	5.14	5.40	5.49	5.56	5.90	6.32	6.40	6.35	6.24
Net Interest Income — Fully Taxable-Equivalent (FTE) Basis3	16,610.00	16,160.00	15,907.00	15,915.00	15,387.00	14,815.00	14,588.00	14,513.00	14,114.00	13,862.00	14,190.00	14,091.00
Net Interest Income — GAAP Basis	16,449.00	15,997.00	15,745.00	15,750.00	15,233.00	14,670.00	14,443.00	14,359.00	13,967.00	13,702.00	14,032.00	13,946.00
Total Interest Income — FTE Basis6	34,418.00	33,995.00	33,521.00	34,426.00	35,520.00	35,018.00	34,211.00	36,131.00	37,638.00	37,014.00	36,443.00	35,774.00
Interest Income on Total Loans and Leases (FTE)10	16,536.00	15,913.00	15,534.00	16,076.00	16,251.00	15,702.00	15,272.00	15,745.00	15,782.00	15,400.00	15,295.00	15,284.00
Interest Income on Residential Mortgage	2,153.00	2,106.00	2,084.00	2,076.00	2,070.00	2,031.00	1,916.00	1,892.00	1,872.00	1,824.00	1,803.00	1,790.00
Interest Income on Home Equity	385.00	370.00	352.00	377.00	390.00	379.00	366.00	394.00	418.00	405.00	390.00	411.00
Interest Income on Credit Card	2,914.00	2,794.00	2,822.00	2,902.00	2,932.00	2,846.00	2,838.00	2,903.00	2,924.00	2,825.00	2,786.00	2,778.00
Interest Income on Direct/Indirect and Other Consumer	1,531.00	1,484.00	1,453.00	1,519.00	1,525.00	1,484.00	1,432.00	1,490.00	1,512.00	1,428.00	1,399.00	1,386.00
Interest Income on Total Consumer Loans	6,983.00	6,754.00	6,711.00	6,874.00	6,917.00	6,740.00	6,552.00	6,679.00	6,726.00	6,482.00	6,378.00	6,365.00
Interest Income on U.S. Commercial Loans	6,281.00	6,034.00	5,776.00	5,934.00	5,953.00	5,709.00	5,427.00	5,541.00	5,358.00	5,267.00	5,236.00	5,176.00
Interest Income on Non-U.S. Commercial Loans	2,033.00	1,940.00	1,851.00	2,038.00	2,121.00	2,016.00	2,058.00	2,187.00	2,222.00	2,170.00	2,170.00	2,208.00
Interest Income on Commercial Real Estate	1,038.00	985.00	963.00	1,005.00	1,044.00	1,023.00	1,020.00	1,129.00	1,275.00	1,285.00	1,311.00	1,351.00
Interest Income on Direct Lease Financing	201.00	200.00	233.00	225.00	216.00	214.00	215.00	209.00	201.00	196.00	200.00	184.00
Interest Income on Total Commercial Loans	9,553.00	9,159.00	8,823.00	9,202.00	9,334.00	8,962.00	8,720.00	9,066.00	9,056.00	8,918.00	8,917.00	8,919.00
Interest Income on Total Debt Securities (FTE)	5,956.00	6,051.00	6,307.00	6,773.00	6,975.00	6,932.00	6,786.00	6,734.00	6,859.00	6,352.00	6,162.00	5,445.00
Interest Income on Fed Funds Sold & Securities Resell Agreements	4,214.00	4,185.00	3,857.00	3,763.00	3,802.00	4,094.00	3,774.00	4,381.00	5,196.00	5,159.00	5,175.00	5,124.00
Interest Income on Trading Account Assets (FTE)	3,193.00	3,097.00	3,232.00	3,009.00	3,222.00	3,081.00	3,034.00	2,703.00	2,749.00	2,542.00	2,482.00	2,474.00
Interest Income on Other Interest-Earning Assets	2,349.00	2,441.00	2,427.00	2,578.00	2,484.00	2,277.00	2,443.00	2,808.00	2,815.00	2,940.00	2,682.00	2,282.00
Interest Income on Time Deposits Placed & Other Short-Term Investments	90.00	93.00	77.00	85.00	88.00	89.00	92.00	112.00	108.00	123.00	116.00	115.00
Total Interest Expense5	17,808.00	17,835.00	17,614.00	18,511.00	20,133.00	20,203.00	19,623.00	21,618.00	23,524.00	23,152.00	22,253.00	21,683.00
Interest Expense on Total Interest-Bearing Deposits4	7,605.00	7,372.00	7,301.00	8,268.00	8,932.00	8,681.00	8,632.00	9,524.00	10,125.00	9,655.00	9,138.00	8,724.00
Interest Expense on U.S. Interest-Bearing Deposits	6,860.00	6,703.00	6,629.00	7,354.00	8,004.00	7,737.00	7,645.00	8,419.00	8,970.00	8,565.00	8,071.00	7,714.00
Interest Expense on U.S. NOW and Money Market Deposits	5,198.00	5,042.00	4,940.00	5,508.00	6,063.00	5,739.00	5,526.00	6,153.00	6,603.00	6,300.00	6,121.00	4,868.00
Interest Expense on U.S. Time and Savings Deposits	1,662.00	1,661.00	1,689.00	1,846.00	1,941.00	1,998.00	2,119.00	2,266.00	2,367.00	2,265.00	1,950.00	2,846.00
Interest Expense on Non-U.S. Interest-Bearing Deposits	745.00	669.00	672.00	914.00	928.00	944.00	987.00	1,105.00	1,155.00	1,090.00	1,067.00	1,010.00
Interest Expense on Fed Funds Purchased & Repo Agreements	4,092.00	4,135.00	4,287.00	4,197.00	4,800.00	4,946.00	4,629.00	5,387.00	6,193.00	6,171.00	6,026.00	5,883.00
Interest Expense on Short-Term Borrowings & Other IBL	2,239.00	2,472.00	2,223.00	2,275.00	2,372.00	2,489.00	2,334.00	2,606.00	2,747.00	2,899.00	2,509.00	2,506.00
Interest Expense on Trading Account Liabilities	797.00	756.00	745.00	602.00	672.00	676.00	707.00	567.00	538.00	540.00	546.00	557.00
Interest Expense on Long-Term Debt	3,075.00	3,100.00	3,058.00	3,169.00	3,357.00	3,411.00	3,321.00	3,534.00	3,921.00	3,887.00	4,034.00	4,013.00
Average Interest-Earning Assets — Total8	3,058,359.00	3,106,726.00	3,099,977.00	3,038,880.00	3,040,188.00	3,050,206.00	2,966,843.00	2,928,730.00	2,917,697.00	2,887,935.00	2,860,583.00	2,829,765.00
Average Total Loans and Leases2	1,226,018.00	1,216,519.00	1,189,528.00	1,170,895.00	1,153,035.00	1,128,453.00	1,093,738.00	1,081,009.00	1,059,728.00	1,051,472.00	1,047,890.00	1,050,705.00
Average Total Consumer Loans4	488,028.00	483,381.00	480,227.00	478,406.00	472,807.00	470,288.00	461,507.00	461,074.00	458,104.00	455,768.00	456,456.00	458,726.00
Average Residential Mortgage Loans	236,433.00	236,187.00	236,089.00	235,813.00	235,301.00	235,130.00	228,638.00	227,990.00	227,800.00	227,567.00	227,748.00	228,975.00
Average Home Equity Loans	27,370.00	27,099.00	26,884.00	26,798.00	26,413.00	26,190.00	25,849.00	25,767.00	25,664.00	25,529.00	25,522.00	25,756.00
Average Credit Card Loans	105,802.00	103,640.00	103,087.00	102,992.00	100,966.00	100,013.00	100,173.00	100,938.00	99,908.00	98,983.00	99,815.00	100,389.00
Average Direct/Indirect and Other Consumer Loans	118,423.00	116,455.00	114,167.00	112,803.00	110,127.00	108,955.00	106,847.00	106,379.00	104,732.00	103,689.00	103,371.00	103,606.00
Average Total Commercial Loans4	737,990.00	733,138.00	709,301.00	692,489.00	680,228.00	658,165.00	632,231.00	619,935.00	601,624.00	595,704.00	591,434.00	591,979.00
Average U.S. Commercial Loans	485,010.00	482,510.00	466,097.00	455,781.00	443,274.00	427,194.00	411,783.00	404,606.00	391,728.00	386,232.00	379,566.00	379,215.00
Average Non-U.S. Commercial Loans	164,025.00	164,502.00	158,080.00	152,913.00	154,458.00	149,044.00	138,853.00	132,833.00	125,377.00	123,094.00	125,024.00	125,371.00
Average Commercial Real Estate Loans	73,346.00	70,280.00	68,829.00	67,312.00	66,494.00	65,847.00	65,751.00	67,064.00	69,404.00	71,345.00	71,986.00	73,140.00
Average Direct Lease Financing	15,609.00	15,846.00	16,295.00	16,483.00	16,002.00	16,080.00	15,844.00	15,432.00	15,115.00	15,033.00	14,858.00	14,253.00
Average Total Debt Securities	861,088.00	880,724.00	914,990.00	933,012.00	932,588.00	933,065.00	923,747.00	895,903.00	883,562.00	852,427.00	842,483.00	802,657.00
Average Fed Funds Sold & Securities Resell Agreements	362,890.00	373,297.00	346,289.00	321,873.00	316,603.00	353,331.00	322,012.00	296,204.00	323,119.00	318,380.00	304,821.00	297,149.00
Average Trading Account Assets	237,502.00	240,768.00	258,038.00	238,209.00	239,048.00	234,282.00	231,437.00	210,380.00	214,980.00	202,295.00	202,461.00	194,551.00
Average Other Interest-Earning Assets	128,190.00	128,879.00	136,534.00	133,120.00	124,965.00	115,831.00	114,695.00	116,207.00	105,496.00	107,093.00	106,737.00	95,971.00
Average Time Deposits Placed & Short-Term Investments	12,164.00	11,839.00	10,470.00	10,277.00	9,716.00	10,405.00	9,202.00	9,824.00	10,031.00	10,845.00	9,728.00	8,370.00
Memo: Average Cash and Due from Banks	26,266.00	26,656.00	25,877.00	25,668.00	24,963.00	24,781.00	23,700.00	24,354.00	23,435.00	24,208.00	24,185.00	24,690.00
Memo: Average Total Consolidated Assets	3,471,861.00	3,531,568.00	3,512,490.00	3,427,791.00	3,433,447.00	3,430,280.00	3,349,011.00	3,315,578.00	3,293,900.00	3,272,956.00	3,245,247.00	3,213,159.00
Average Interest-Bearing Liabilities — Total7	2,334,616.00	2,384,816.00	2,379,960.00	2,317,953.00	2,349,391.00	2,360,525.00	2,287,996.00	2,254,925.00	2,244,932.00	2,217,992.00	2,184,991.00	2,144,823.00
Average Total Interest-Bearing Deposits2	1,485,388.00	1,489,699.00	1,490,591.00	1,491,608.00	1,478,715.00	1,459,953.00	1,447,965.00	1,445,689.00	1,413,708.00	1,396,294.00	1,386,854.00	1,362,298.00
Average Total U.S. Interest-Bearing Deposits2	1,352,724.00	1,362,961.00	1,361,544.00	1,361,891.00	1,353,406.00	1,338,032.00	1,331,232.00	1,330,186.00	1,303,181.00	1,289,798.00	1,282,481.00	1,260,532.00
Average U.S. NOW and Money Market Deposits	1,103,073.00	1,108,939.00	1,109,607.00	1,107,741.00	1,095,931.00	1,078,771.00	1,068,521.00	1,069,361.00	1,043,182.00	1,036,834.00	1,054,122.00	942,561.00
Average U.S. Consumer CDs, IRAs, Time and Regular Savings	249,651.00	254,022.00	251,937.00	254,150.00	257,475.00	259,261.00	262,711.00	260,825.00	259,999.00	252,964.00	228,359.00	317,971.00
Average Non-U.S. Interest-Bearing Deposits	132,664.00	126,738.00	129,047.00	129,717.00	125,309.00	121,921.00	116,733.00	115,503.00	110,527.00	106,496.00	104,373.00	101,766.00
Memo: Average Noninterest-Bearing Deposits	536,695.00	533,251.00	526,338.00	520,915.00	512,719.00	513,808.00	510,367.00	512,261.00	507,040.00	513,631.00	520,608.00	542,713.00
Average Fed Funds Purchased & Repo Agreements	337,187.00	353,243.00	384,213.00	351,973.00	392,431.00	414,655.00	385,091.00	363,419.00	383,334.00	371,372.00	350,507.00	329,696.00
Average Short-Term Borrowings and Other IBL	204,194.00	228,651.00	198,232.00	181,742.00	178,368.00	183,008.00	160,226.00	155,956.00	147,579.00	152,742.00	141,091.00	149,273.00
Average Trading Account Liabilities	60,534.00	57,026.00	52,927.00	47,160.00	52,452.00	53,805.00	53,678.00	50,873.00	52,973.00	53,895.00	51,757.00	47,294.00
Average Long-Term Debt	247,313.00	256,197.00	253,997.00	245,470.00	247,425.00	249,104.00	241,036.00	238,988.00	247,338.00	243,689.00	254,782.00	256,262.00
Memo: Average Total Shareholders' Equity	300,881.00	300,984.00	302,501.00	303,873.00	300,381.00	295,329.00	294,187.00	293,398.00	293,431.00	291,943.00	291,074.00	288,618.00

Consumer Banking — Total Revenue (FTE)11	11,572.00	11,336.00	11,049.00	11,201.00	11,166.00	10,813.00	10,493.00	10,646.00	10,418.00	10,206.00	10,166.00	10,329.00
Consumer Banking Net Interest Income (FTE)	9,431.00	9,206.00	8,993.00	9,090.00	8,988.00	8,726.00	8,505.00	8,485.00	8,278.00	8,118.00	8,197.00	8,268.00
Consumer Banking Noninterest Income3	2,141.00	2,130.00	2,056.00	2,111.00	2,178.00	2,087.00	1,988.00	2,161.00	2,140.00	2,088.00	1,969.00	2,061.00
Card Income	1,332.00	1,346.00	1,273.00	1,341.00	1,403.00	1,415.00	1,297.00	1,397.00	1,402.00	1,361.00	1,272.00	1,324.00
Service Charges	641.00	639.00	638.00	638.00	645.00	627.00	618.00	622.00	631.00	614.00	578.00	588.00
All Other Consumer Income	168.00	145.00	145.00	132.00	130.00	45.00	73.00	142.00	107.00	113.00	119.00	149.00
Consumer Banking Provision for Credit Losses	1,045.00	1,160.00	1,132.00	1,066.00	1,009.00	1,282.00	1,292.00	1,254.00	1,302.00	1,281.00	1,150.00	1,405.00
Consumer Banking Noninterest Expense	5,833.00	5,801.00	5,837.00	5,729.00	5,575.00	5,567.00	5,826.00	5,631.00	5,534.00	5,464.00	5,475.00	5,234.00
Consumer Banking Income Before Income Taxes	4,694.00	4,375.00	4,080.00	4,406.00	4,582.00	3,964.00	3,375.00	3,761.00	3,582.00	3,461.00	3,541.00	3,690.00
Consumer Banking Income Tax Expense	1,173.00	1,094.00	1,020.00	1,102.00	1,145.00	991.00	844.00	940.00	895.00	866.00	885.00	922.00
Consumer Banking Net Income	3,521.00	3,281.00	3,060.00	3,304.00	3,437.00	2,973.00	2,531.00	2,821.00	2,687.00	2,595.00	2,656.00	2,768.00
Consumer Banking Net Interest Yield	3.76	3.68	3.66	3.64	3.59	3.51	3.48	3.42	3.35	3.29	3.31	3.28
Consumer Banking Efficiency Ratio (FTE)	50.40	51.18	52.82	51.15	49.92	51.48	55.53	52.89	53.12	53.54	53.86	50.71
Consumer Banking Return on Average Allocated Capital	31.00	29.00	27.00	30.00	31.00	27.00	23.00	26.00	25.00	24.00	25.00	26.00
Consumer Banking Average Allocated Capital	45,500.00	45,500.00	45,500.00	44,000.00	44,000.00	44,000.00	44,000.00	43,250.00	43,250.00	43,250.00	43,250.00	42,000.00
Consumer Banking — Average Total Deposits7	948,635.00	956,957.00	950,809.00	945,394.00	947,414.00	951,986.00	947,550.00	942,302.00	938,364.00	949,180.00	952,466.00	959,247.00
Average Checking Deposits	561,088.00	567,531.00	560,652.00	555,202.00	553,438.00	556,030.00	551,555.00	547,060.00	542,267.00	549,514.00	548,604.00	551,890.00
Average Money Market Savings Deposits	225,660.00	229,194.00	229,315.00	228,437.00	232,892.00	238,285.00	241,423.00	242,257.00	248,200.00	257,023.00	266,056.00	277,912.00
Average CDs and IRAs	107,788.00	104,768.00	105,954.00	107,364.00	105,633.00	100,957.00	98,023.00	96,630.00	90,172.00	82,566.00	76,621.00	66,758.00
Average Regular Savings	50,561.00	51,807.00	51,256.00	50,843.00	51,840.00	53,077.00	52,985.00	52,812.00	54,128.00	56,285.00	57,401.00	58,975.00
Average Non-U.S. and Other Consumer Deposits	3,538.00	3,657.00	3,632.00	3,548.00	3,611.00	3,637.00	3,564.00	3,543.00	3,597.00	3,792.00	3,784.00	3,712.00
Period-End Consumer Banking Total Deposits	949,142.00	953,195.00	973,306.00	956,265.00	949,100.00	954,373.00	972,064.00	952,311.00	944,358.00	952,473.00	978,761.00	969,572.00
Consumer Deposit Net Interest Spread — Total5	3.13	3.08	3.01	2.97	2.94	2.91	2.85	2.81	2.81	2.77	2.69	2.83
Checking Deposit Net Interest Spread	3.22	3.15	3.07	3.02	2.96	2.90	2.81	2.75	2.71	2.62	2.50	2.47
Money Market Savings Net Interest Spread	3.70	3.64	3.59	3.56	3.52	3.45	3.38	3.32	3.32	3.28	3.20	3.64
Regular Savings Net Interest Spread	3.53	3.46	3.39	3.33	3.28	3.21	3.13	3.05	2.98	2.90	2.80	2.90
CDs and IRAs Net Interest Spread	1.28	1.31	1.24	1.25	1.37	1.49	1.57	1.63	1.85	2.00	2.04	2.25
Other Deposits Net Interest Spread	3.63	3.57	3.68	4.27	4.13	4.18	4.26	4.43	5.07	5.18	5.19	5.21
Consumer Banking — Average Total Loans and Leases5	320,953.00	321,056.00	322,164.00	322,678.00	320,297.00	319,142.00	315,038.00	316,069.00	313,781.00	312,254.00	313,038.00	313,438.00
Period-End Consumer Banking Loans and Leases	321,968.00	322,271.00	321,196.00	325,871.00	321,905.00	320,908.00	318,337.00	318,754.00	316,097.00	312,801.00	311,725.00	315,119.00
Average Consumer Banking Interest-Earning Assets	994,343.00	1,002,799.00	996,431.00	989,897.00	992,007.00	996,193.00	992,252.00	985,990.00	982,058.00	992,304.00	995,556.00	1,000,032.00
Period-End Consumer Banking Interest-Earning Assets	994,547.00	999,457.00	1,019,832.00	998,969.00	994,931.00	999,094.00	1,016,785.00	995,369.00	988,856.00	995,348.00	1,022,320.00	1,009,360.00
Average Consumer Banking Total Assets	1,032,792.00	1,041,292.00	1,034,670.00	1,027,783.00	1,029,529.00	1,033,776.00	1,029,320.00	1,023,388.00	1,019,085.00	1,029,777.00	1,033,101.00	1,038,418.00
Period-End Consumer Banking Total Assets	1,034,324.00	1,039,051.00	1,058,618.00	1,039,346.00	1,032,826.00	1,037,407.00	1,054,637.00	1,034,370.00	1,026,293.00	1,033,960.00	1,060,482.00	1,049,830.00
U.S. Credit Card — Purchase Volumes9	100,878.00	101,877.00	92,972.00	99,622.00	95,116.00	94,814.00	88,208.00	95,962.00	92,592.00	93,296.00	87,011.00	92,759.00
Debit Card Purchase Volumes	164,779.00	164,189.00	151,934.00	155,070.00	150,048.00	149,288.00	140,197.00	144,895.00	139,352.00	140,346.00	132,407.00	136,183.00
New U.S. Credit Card Accounts Opened	1,016.00	999.00	884.00	855.00	929.00	834.00	913.00	901.00	970.00	951.00	998.00	889.00
U.S. Credit Card Period-End Loans	107,342.00	105,659.00	102,833.00	106,027.00	102,109.00	101,209.00	99,731.00	103,566.00	100,842.00	99,450.00	98,453.00	102,200.00
U.S. Credit Card Gross Interest Yield	11.47	11.36	11.64	11.76	12.17	12.06	12.12	12.15	12.49	12.32	12.24	11.97
U.S. Credit Card Risk-Adjusted Margin	6.74	6.47	6.69	7.02	7.48	7.07	6.68	7.12	7.22	6.75	6.81	7.18
U.S. Credit Card Net Charge-Offs	859.00	919.00	924.00	882.00	880.00	954.00	1,001.00	963.00	928.00	955.00	899.00	777.00
U.S. Credit Card Net Charge-Off Ratio	3.22	3.55	3.64	3.40	3.46	3.82	4.05	3.79	3.70	3.88	3.62	3.07
U.S. Credit Card 90+ Days Past Due Outstandings	1,211.00	1,241.00	1,341.00	1,352.00	1,259.00	1,257.00	1,334.00	1,401.00	1,306.00	1,257.00	1,299.00	1,224.00
U.S. Credit Card 90+ Days Past Due Ratio	1.13	1.17	1.30	1.27	1.23	1.24	1.34	1.35	1.30	1.26	1.32	1.20
Consumer Investment Assets (Merrill Edge Self-Directed & Guided)	664,439.00	639,517.00	573,254.00	599,110.00	580,391.00	539,727.00	497,680.00	517,835.00	496,582.00	476,116.00	456,391.00	424,410.00
First Mortgage Loan Originations — Total Corporation2	6,853.00	8,259.00	6,432.00	8,463.00	6,751.00	6,604.00	4,508.00	6,585.00	5,348.00	5,728.00	3,443.00	3,932.00
First Mortgage Loan Originations — Consumer Banking	2,727.00	3,497.00	3,066.00	4,176.00	3,052.00	3,052.00	1,857.00	3,184.00	2,684.00	2,696.00	1,688.00	1,753.00
Home Equity Loan Originations — Total Corporation	2,974.00	2,899.00	2,462.00	2,620.00	2,800.00	2,766.00	2,214.00	2,311.00	2,289.00	2,393.00	1,891.00	2,255.00

GWIM Total Client Balances (EOP)7	5,056,787.00	4,934,396.00	4,572,406.00	4,751,394.00	4,640,799.00	4,395,231.00	4,157,194.00	4,252,106.00	4,193,941.00	4,011,885.00	3,973,390.00	3,789,374.00
Assets Under Management (AUM, EOP)3	2,370,848.00	2,327,766.00	2,115,782.00	2,177,708.00	2,109,946.00	1,986,523.00	1,855,657.00	1,882,211.00	1,861,124.00	1,758,875.00	1,730,005.00	1,617,740.00
Beginning Assets Under Management	2,327,766.00	2,115,782.00	2,177,708.00	2,109,946.00	1,986,523.00	1,855,657.00	1,882,211.00	1,861,124.00	1,758,875.00	1,730,005.00	1,617,740.00	1,496,601.00
AUM Net Client Flows	19,980.00	13,673.00	20,372.00	20,209.00	23,517.00	14,314.00	23,957.00	22,493.00	21,289.00	10,790.00	24,655.00	8,443.00
AUM Net Market Valuation / Other	23,102.00	198,311.00	-82,298.00	47,553.00	99,906.00	116,552.00	-50,511.00	-1,406.00	80,960.00	18,080.00	87,610.00	112,696.00
Brokerage and Other Client Assets (EOP)	2,164,406.00	2,094,157.00	1,946,617.00	2,067,937.00	2,040,748.00	1,932,182.00	1,821,203.00	1,888,334.00	1,856,806.00	1,779,881.00	1,758,642.00	1,688,923.00
Client Deposits (EOP)	279,723.00	278,155.00	287,719.00	289,854.00	278,931.00	275,778.00	285,063.00	292,278.00	283,432.00	281,283.00	298,039.00	299,657.00
Client Loans and Leases (incl. Margin Loans, EOP)	286,092.00	279,618.00	266,657.00	263,819.00	255,381.00	243,409.00	236,641.00	234,208.00	230,062.00	227,657.00	222,528.00	222,287.00
Less: Managed Deposits in Assets Under Management	-44,282.00	-45,300.00	-44,369.00	-47,924.00	-44,207.00	-42,661.00	-41,370.00	-44,925.00	-37,483.00	-35,811.00	-35,824.00	-39,233.00
By Business: Merrill Wealth Management Client Balances (EOP)1	4,240,601.00	4,132,451.00	3,815,389.00	3,992,312.00	3,896,124.00	3,695,213.00	3,486,594.00	3,578,513.00	3,527,319.00	3,371,418.00	3,339,693.00	3,182,735.00
Merrill Wealth Management AUM Balances	1.90	1.80	1.70	1.70	1.70	1.60	1.50	1.50	1.50	1.40	1.40	1.30
By Business: Bank of America Private Bank Client Balances (EOP)1	816,186.00	801,945.00	757,017.00	759,082.00	744,675.00	700,018.00	670,600.00	673,593.00	666,622.00	640,467.00	633,697.00	606,639.00
Bank of America Private Bank AUM Balances	488.00	486.00	451.00	455.00	447.00	423.00	400.00	404.00	403.00	385.00	380.00	360.00
GWIM — Total Revenue (FTE)14	7,118.00	6,871.00	6,712.00	6,618.00	6,312.00	5,937.00	6,016.00	6,002.00	5,762.00	5,574.00	5,591.00	5,227.00
Merrill Wealth Management Revenue	5,905.00	5,711.00	5,579.00	5,494.00	5,261.00	4,942.00	5,019.00	5,007.00	4,789.00	4,623.00	4,647.00	4,326.00
Bank of America Private Bank Revenue	1,213.00	1,160.00	1,133.00	1,124.00	1,051.00	995.00	997.00	995.00	973.00	951.00	944.00	901.00
GWIM Net Interest Income (FTE)	1,963.00	1,888.00	1,862.00	1,870.00	1,800.00	1,762.00	1,765.00	1,753.00	1,709.00	1,693.00	1,814.00	1,711.00
GWIM Noninterest Income2	5,155.00	4,983.00	4,850.00	4,748.00	4,512.00	4,175.00	4,251.00	4,249.00	4,053.00	3,881.00	3,777.00	3,516.00
Investment and Brokerage Services Income	4,956.00	4,793.00	4,671.00	4,563.00	4,334.00	4,033.00	4,089.00	4,057.00	3,874.00	3,707.00	3,600.00	3,328.00
All Other GWIM Income	199.00	190.00	179.00	185.00	178.00	142.00	162.00	192.00	179.00	174.00	177.00	188.00
GWIM Provision for Credit Losses	17.00	11.00	2.00	-3.00	4.00	20.00	14.00	3.00	7.00	7.00	-13.00	-26.00
GWIM Noninterest Expense	5,048.00	4,976.00	4,938.00	4,747.00	4,622.00	4,593.00	4,659.00	4,438.00	4,340.00	4,199.00	4,264.00	3,894.00
GWIM Income Before Income Taxes	2,053.00	1,884.00	1,772.00	1,874.00	1,686.00	1,324.00	1,343.00	1,561.00	1,415.00	1,368.00	1,340.00	1,359.00
GWIM Income Tax Expense	513.00	471.00	443.00	469.00	421.00	331.00	336.00	390.00	354.00	342.00	335.00	340.00
GWIM Net Income	1,540.00	1,413.00	1,329.00	1,405.00	1,265.00	993.00	1,007.00	1,171.00	1,061.00	1,026.00	1,005.00	1,019.00
GWIM Pretax Margin	29.00	27.00	26.00	28.00	27.00	22.00	22.00	26.00	25.00	25.00	24.00	26.00
GWIM Efficiency Ratio (FTE)	70.91	72.41	73.58	71.75	73.22	77.36	77.44	73.93	75.32	75.34	76.27	74.41
GWIM Return on Average Allocated Capital	28.00	26.00	24.00	28.00	26.00	20.00	21.00	25.00	23.00	22.00	22.00	22.00
GWIM Net Interest Yield	2.49	2.42	2.37	2.39	2.33	2.31	2.26	2.21	2.20	2.15	2.23	2.10
GWIM Average Allocated Capital	22,250.00	22,250.00	22,250.00	19,750.00	19,750.00	19,750.00	19,750.00	18,500.00	18,500.00	18,500.00	18,500.00	18,500.00
GWIM — Average Loans and Leases7	278,642.00	270,257.00	262,150.00	256,968.00	245,523.00	237,377.00	232,326.00	228,779.00	225,355.00	222,776.00	218,616.00	219,425.00
GWIM Period-End Loans and Leases	283,377.00	276,980.00	264,070.00	261,303.00	252,986.00	241,142.00	234,304.00	231,981.00	227,318.00	224,837.00	219,844.00	219,657.00
GWIM Average Total Deposits	278,937.00	281,593.00	286,578.00	279,456.00	276,534.00	276,825.00	286,399.00	285,023.00	279,999.00	287,678.00	297,373.00	292,478.00
GWIM Period-End Total Deposits	279,723.00	278,155.00	287,719.00	289,854.00	278,931.00	275,778.00	285,063.00	292,278.00	283,432.00	281,283.00	298,039.00	299,657.00
GWIM Average Interest-Earning Assets	312,385.00	313,639.00	318,978.00	309,916.00	306,384.00	306,490.00	316,887.00	315,071.00	309,231.00	317,250.00	327,692.00	322,827.00
GWIM Period-End Interest-Earning Assets	315,159.00	311,564.00	321,554.00	320,899.00	310,732.00	305,793.00	315,663.00	323,496.00	314,594.00	310,055.00	329,515.00	330,653.00
GWIM Average Total Assets	326,364.00	328,688.00	333,409.00	324,446.00	320,484.00	320,224.00	330,607.00	329,164.00	322,924.00	330,958.00	341,119.00	336,067.00
GWIM Period-End Total Assets	328,816.00	327,667.00	336,511.00	335,495.00	325,605.00	320,820.00	329,816.00	338,367.00	328,831.00	324,476.00	343,718.00	344,626.00

Total Corporation Investment Banking Fees (Excl. Self-Led)6	1,799.00	2,138.00	1,841.00	1,666.00	2,013.00	1,428.00	1,523.00	1,654.00	1,403.00	1,561.00	1,568.00	1,145.00
Total Corporation Advisory Fees	471.00	558.00	553.00	590.00	583.00	333.00	384.00	556.00	387.00	374.00	373.00	389.00
Total Corporation Debt Issuance Underwriting Fees	958.00	1,113.00	986.00	810.00	1,109.00	837.00	942.00	765.00	780.00	880.00	885.00	589.00
Total Corporation Equity Issuance Underwriting Fees	395.00	535.00	353.00	297.00	362.00	328.00	272.00	364.00	270.00	357.00	363.00	199.00
Total Investment Banking Fees Including Self-Led	1,824.00	2,206.00	1,892.00	1,697.00	2,054.00	1,498.00	1,598.00	1,685.00	1,437.00	1,611.00	1,621.00	1,177.00
Less: Self-Led Investment Banking Fees	-25.00	-68.00	-51.00	-31.00	-41.00	-70.00	-75.00	-31.00	-34.00	-50.00	-53.00	-32.00
Global Banking Segment Share of Investment Banking Fees3	971.00	1,154.00	1,047.00	973.00	1,155.00	767.00	847.00	985.00	783.00	835.00	850.00	690.00
Global Banking Advisory Fees	422.00	517.00	497.00	541.00	536.00	291.00	339.00	514.00	351.00	322.00	317.00	350.00
Global Banking Debt Issuance Fees	397.00	417.00	420.00	321.00	472.00	346.00	409.00	320.00	332.00	363.00	383.00	265.00
Global Banking Equity Issuance Fees	152.00	220.00	130.00	111.00	147.00	130.00	99.00	151.00	100.00	150.00	150.00	75.00
Global Banking — Total Revenue (FTE)13	6,205.00	6,236.00	6,287.00	6,238.00	6,189.00	5,689.00	5,992.00	6,096.00	5,655.00	5,970.00	6,027.00	5,928.00
Business Lending Revenue — Total3	2,179.00	2,061.00	2,277.00	2,263.00	2,236.00	2,202.00	2,112.00	2,352.00	2,405.00	2,565.00	2,404.00	2,548.00
Commercial Banking Lending Revenue	1,112.00	1,118.00	1,137.00	1,181.00	1,135.00	1,141.00	1,109.00	1,280.00	1,246.00	1,247.00	1,280.00	1,251.00
Corporate Banking Lending Revenue	1,017.00	893.00	1,092.00	1,031.00	1,045.00	1,006.00	949.00	1,015.00	1,102.00	1,260.00	1,065.00	1,235.00
Business Banking Lending Revenue	50.00	50.00	48.00	51.00	56.00	55.00	54.00	57.00	57.00	58.00	59.00	62.00
Global Transaction Services (GTS) Revenue	3,040.00	2,920.00	2,885.00	2,943.00	2,739.00	2,649.00	2,680.00	2,698.00	2,580.00	2,561.00	2,666.00	2,659.00
Global Banking Net Interest Income (FTE)	3,259.00	3,198.00	3,230.00	3,238.00	3,141.00	3,081.00	3,151.00	3,270.00	3,230.00	3,275.00	3,460.00	3,435.00
Global Banking Noninterest Income3	2,946.00	3,038.00	3,057.00	3,000.00	3,048.00	2,608.00	2,841.00	2,826.00	2,425.00	2,695.00	2,567.00	2,493.00
Investment Banking Fees (Segment Income Statement)	971.00	1,154.00	1,047.00	973.00	1,155.00	767.00	847.00	985.00	783.00	835.00	850.00	690.00
Service Charges	930.00	932.00	904.00	885.00	863.00	864.00	826.00	808.00	802.00	775.00	750.00	749.00
All Other Global Banking Income	1,045.00	952.00	1,106.00	1,142.00	1,030.00	977.00	1,168.00	1,033.00	840.00	1,085.00	967.00	1,054.00
Global Banking Provision for Credit Losses	210.00	215.00	185.00	243.00	269.00	277.00	154.00	190.00	229.00	235.00	229.00	-239.00
Global Banking Noninterest Expense	3,250.00	3,199.00	3,223.00	3,118.00	3,044.00	3,070.00	3,184.00	2,951.00	2,991.00	2,899.00	3,012.00	2,781.00
Global Banking Income Before Income Taxes	2,745.00	2,822.00	2,879.00	2,877.00	2,876.00	2,342.00	2,654.00	2,955.00	2,435.00	2,836.00	2,786.00	3,386.00
Global Banking Income Tax Expense	755.00	776.00	792.00	791.00	791.00	644.00	730.00	812.00	670.00	780.00	766.00	914.00
Global Banking Net Income	1,990.00	2,046.00	2,087.00	2,086.00	2,085.00	1,698.00	1,924.00	2,143.00	1,765.00	2,056.00	2,020.00	2,472.00
Global Banking Net Interest Yield	1.83	1.86	1.91	1.86	1.87	1.94	2.10	2.12	2.21	2.36	2.49	2.45
Global Banking Efficiency Ratio (FTE)	52.36	51.30	51.27	50.01	49.16	53.98	53.14	48.39	52.90	48.55	49.98	46.92
Global Banking Return on Average Allocated Capital	15.00	15.00	16.00	16.00	16.00	13.00	15.00	17.00	14.00	17.00	17.00	20.00
Global Banking Average Allocated Capital	54,250.00	54,250.00	54,250.00	50,750.00	50,750.00	50,750.00	50,750.00	49,250.00	49,250.00	49,250.00	49,250.00	49,250.00
Global Banking — Average Total Loans and Leases9	418,883.00	413,364.00	396,988.00	386,319.00	388,482.00	387,864.00	378,733.00	375,345.00	371,216.00	372,738.00	373,608.00	374,862.00
Average U.S. Commercial Loans	260,864.00	260,750.00	249,606.00	242,890.00	244,131.00	242,431.00	235,518.00	234,533.00	230,051.00	228,189.00	226,470.00	225,070.00
Average Non-U.S. Commercial Loans	87,763.00	84,824.00	80,905.00	78,363.00	79,811.00	80,672.00	78,141.00	74,632.00	73,077.00	74,227.00	76,284.00	78,483.00
Average Commercial Real Estate Loans	54,403.00	51,696.00	49,922.00	48,313.00	48,256.00	48,397.00	48,939.00	50,452.00	52,672.00	54,984.00	55,683.00	56,735.00
Average Lease Financing	15,853.00	16,094.00	16,555.00	16,752.00	16,282.00	16,364.00	16,135.00	15,727.00	15,415.00	15,336.00	15,170.00	14,573.00
Period-End Global Banking Total Loans and Leases	428,146.00	412,294.00	406,982.00	388,998.00	386,828.00	390,691.00	384,208.00	379,473.00	375,159.00	372,421.00	373,403.00	373,891.00
Global Banking Reservable Criticized Utilized Exposure	16,850.00	18,639.00	20,576.00	21,010.00	22,637.00	24,298.00	24,446.00	23,574.00	24,934.00	22,619.00	22,530.00	21,597.00
Global Banking Reservable Criticized Utilized Ratio	3.71	4.27	4.79	5.11	5.55	5.90	6.04	5.90	6.30	5.75	5.70	5.46
Global Banking Nonperforming Loans, Leases and Foreclosed Properties	2,450.00	2,577.00	2,550.00	2,620.00	2,395.00	3,114.00	2,987.00	2,970.00	2,780.00	2,731.00	3,075.00	2,673.00
Global Banking Nonperforming Ratio	0.57	0.63	0.63	0.68	0.62	0.80	0.78	0.79	0.75	0.74	0.83	0.72
Global Banking — Average Total Deposits7	668,588.00	651,867.00	647,583.00	656,120.00	631,560.00	603,410.00	575,185.00	581,950.00	549,629.00	525,357.00	525,699.00	527,597.00
Average Interest-Bearing Deposits	511,953.00	498,484.00	493,498.00	502,455.00	483,285.00	453,768.00	422,300.00	425,165.00	395,459.00	367,779.00	362,100.00	351,007.00
Average Noninterest-Bearing Deposits	156,635.00	153,383.00	154,085.00	153,665.00	148,275.00	149,642.00	152,885.00	156,785.00	154,170.00	157,578.00	163,599.00	176,590.00
Period-End Global Banking Total Deposits	683,867.00	662,867.00	647,018.00	641,211.00	640,801.00	643,529.00	591,619.00	578,159.00	556,953.00	522,525.00	527,113.00	527,060.00
Average Global Banking Interest-Earning Assets	704,930.00	689,980.00	685,393.00	690,069.00	665,143.00	638,259.00	608,793.00	613,204.00	580,859.00	557,684.00	557,749.00	557,147.00
Period-End Global Banking Interest-Earning Assets	719,228.00	695,499.00	681,219.00	671,354.00	671,971.00	673,069.00	622,078.00	605,499.00	585,788.00	552,407.00	556,115.00	552,453.00
Average Global Banking Total Assets	769,684.00	754,368.00	749,898.00	754,999.00	730,206.00	703,326.00	673,883.00	678,826.00	647,109.00	623,993.00	622,990.00	624,093.00
Period-End Global Banking Total Assets	784,081.00	761,395.00	745,299.00	734,710.00	737,640.00	739,214.00	687,169.00	670,505.00	650,558.00	619,798.00	623,023.00	621,751.00

Sales and Trading Revenue — Total (Reported GAAP/FTE)7	5,075.00	7,098.00	6,387.00	4,516.00	5,362.00	5,328.00	5,665.00	4,104.00	4,930.00	4,679.00	5,092.00	3,619.00
Fixed Income, Currencies and Commodities (FICC) Sales & Trading Revenue	2,565.00	3,476.00	3,545.00	2,501.00	3,092.00	3,195.00	3,479.00	2,462.00	2,934.00	2,742.00	3,231.00	2,079.00
Equities Sales & Trading Revenue	2,510.00	3,622.00	2,842.00	2,015.00	2,270.00	2,133.00	2,186.00	1,642.00	1,996.00	1,937.00	1,861.00	1,540.00
Sales and Trading Revenue Excluding Net DVA — Total2	5,055.00	7,155.00	6,324.00	4,533.00	5,348.00	5,379.00	5,646.00	4,123.00	4,938.00	4,680.00	5,177.00	3,751.00
FICC Sales & Trading Revenue Excluding Net DVA	2,548.00	3,536.00	3,496.00	2,517.00	3,078.00	3,249.00	3,464.00	2,480.00	2,942.00	2,737.00	3,307.00	2,206.00
Equities Sales & Trading Revenue Excluding Net DVA	2,507.00	3,619.00	2,828.00	2,016.00	2,270.00	2,130.00	2,182.00	1,643.00	1,996.00	1,943.00	1,870.00	1,545.00
By Income Line: Sales & Trading Net Interest Income	1,868.00	1,765.00	1,692.00	1,612.00	1,340.00	1,119.00	1,034.00	876.00	744.00	612.00	512.00	432.00
By Income Line: Sales & Trading Market Making and Other	2,554.00	4,421.00	3,721.00	2,001.00	3,140.00	3,299.00	3,622.00	2,381.00	3,348.00	3,217.00	3,830.00	2,428.00
By Income Line: Sales & Trading Commissions	684.00	728.00	760.00	628.00	614.00	642.00	626.00	554.00	561.00	517.00	494.00	486.00
By Income Line: Sales & Trading Other Income	-31.00	184.00	214.00	275.00	268.00	268.00	383.00	293.00	277.00	333.00	256.00	273.00
Global Markets Average Daily 99% Value-at-Risk (VaR)	51.00	49.00	47.00	50.00	66.00	84.00	91.00	75.00	78.00	90.00	80.00	79.00
Global Markets — Total Segment Revenue (FTE)10	5,867.00	8,022.00	7,109.00	5,304.00	6,225.00	5,982.00	6,585.00	4,838.00	5,630.00	5,460.00	5,884.00	4,088.00
Global Markets Net Interest Income (FTE)	2,008.00	1,911.00	1,861.00	1,750.00	1,484.00	1,267.00	1,189.00	1,026.00	898.00	770.00	681.00	598.00
Global Markets Noninterest Income4	3,859.00	6,111.00	5,248.00	3,554.00	4,741.00	4,715.00	5,396.00	3,812.00	4,732.00	4,690.00	5,203.00	3,490.00
Investment and Brokerage Services	683.00	729.00	760.00	628.00	614.00	642.00	627.00	555.00	562.00	516.00	495.00	486.00
Investment Banking Fees (Global Markets Share)	767.00	965.00	762.00	656.00	834.00	666.00	681.00	639.00	589.00	719.00	708.00	439.00
Market Making and Similar Activities	2,554.00	4,422.00	3,721.00	2,001.00	3,141.00	3,300.00	3,622.00	2,381.00	3,349.00	3,218.00	3,830.00	2,428.00
All Other Global Markets Income	-145.00	-5.00	5.00	269.00	152.00	107.00	466.00	237.00	232.00	237.00	170.00	137.00
Global Markets Provision for Credit Losses	3.00	-11.00	27.00	12.00	9.00	22.00	28.00	10.00	7.00	-13.00	-36.00	-60.00
Global Markets Noninterest Expense	4,195.00	4,484.00	4,370.00	3,906.00	3,895.00	3,806.00	3,811.00	3,505.00	3,443.00	3,486.00	3,492.00	3,271.00
Global Markets Income Before Income Taxes	1,669.00	3,549.00	2,712.00	1,386.00	2,321.00	2,154.00	2,746.00	1,323.00	2,180.00	1,987.00	2,428.00	877.00
Global Markets Income Tax Expense	434.00	923.00	705.00	402.00	673.00	625.00	796.00	384.00	632.00	576.00	704.00	241.00
Global Markets Net Income	1,235.00	2,626.00	2,007.00	984.00	1,648.00	1,529.00	1,950.00	939.00	1,548.00	1,411.00	1,724.00	636.00
Global Markets Efficiency Ratio (FTE)	71.51	55.90	61.47	73.64	62.58	63.61	57.88	72.43	61.17	63.81	59.38	80.00
Global Markets Return on Average Allocated Capital	9.00	20.00	15.00	8.00	13.00	13.00	16.00	8.00	14.00	13.00	15.00	6.00
Global Markets Average Allocated Capital	53,500.00	53,500.00	53,500.00	49,000.00	49,000.00	49,000.00	49,000.00	45,500.00	45,500.00	45,500.00	45,500.00	45,500.00
Global Markets — Average Total Trading-Related Assets13	729,338.00	746,938.00	729,973.00	666,609.00	676,621.00	700,413.00	668,237.00	620,903.00	645,607.00	639,763.00	629,826.00	615,414.00
Average Trading Account Securities	361,207.00	371,536.00	387,514.00	357,802.00	361,610.00	343,971.00	346,590.00	326,572.00	325,236.00	321,204.00	323,210.00	309,051.00
Average Reverse Repurchase Agreements	164,491.00	168,093.00	157,053.00	132,317.00	138,908.00	169,064.00	143,605.00	123,473.00	150,751.00	139,901.00	134,081.00	133,209.00
Average Securities Borrowed	152,239.00	159,969.00	140,148.00	135,904.00	135,615.00	146,889.00	136,800.00	132,334.00	133,588.00	139,705.00	134,852.00	129,365.00
Average Derivative Assets	51,401.00	47,340.00	45,258.00	40,586.00	40,488.00	40,489.00	41,242.00	38,524.00	36,032.00	38,953.00	37,683.00	43,789.00
Period-End Total Trading-Related Assets	681,904.00	733,711.00	727,035.00	670,949.00	638,176.00	670,649.00	660,267.00	580,557.00	653,798.00	619,122.00	629,082.00	542,544.00
Average Global Markets Loans and Leases	200,645.00	204,994.00	201,237.00	197,822.00	190,994.00	176,368.00	159,625.00	152,426.00	140,806.00	135,106.00	133,756.00	133,631.00
Period-End Global Markets Loans and Leases	210,590.00	198,678.00	205,941.00	202,733.00	196,759.00	187,357.00	166,348.00	157,450.00	148,447.00	138,441.00	135,267.00	136,223.00
Average Global Markets Deposits	38,309.00	38,129.00	39,752.00	37,875.00	37,588.00	38,040.00	38,809.00	36,958.00	34,952.00	31,944.00	32,585.00	31,950.00
Period-End Global Markets Deposits	38,449.00	38,146.00	38,012.00	40,614.00	36,883.00	38,232.00	38,268.00	38,848.00	35,142.00	33,151.00	34,847.00	34,833.00
Average Global Markets Interest-Earning Assets	869,392.00	885,914.00	874,270.00	820,324.00	813,197.00	825,835.00	767,592.00	714,762.00	728,186.00	706,383.00	692,851.00	667,094.00
Period-End Global Markets Interest-Earning Assets	825,364.00	873,890.00	866,402.00	814,196.00	793,246.00	806,289.00	761,826.00	687,678.00	742,221.00	701,978.00	698,279.00	637,955.00
Average Global Markets Total Assets	1,091,797.00	1,120,548.00	1,101,576.00	1,026,282.00	1,024,300.00	1,022,955.00	969,282.00	918,582.00	924,041.00	908,469.00	895,323.00	867,953.00
Period-End Global Markets Total Assets	1,052,335.00	1,106,999.00	1,091,745.00	1,032,858.00	997,908.00	1,017,594.00	959,477.00	876,548.00	958,172.00	887,108.00	902,686.00	817,588.00

Consolidated Noninterest Income — Total3	13,509.00	15,561.00	14,527.00	12,617.00	13,807.00	12,773.00	13,804.00	12,116.00	12,246.00	12,603.00	12,831.00	8,013.00
Total Fees and Commissions4	10,797.00	11,080.00	10,549.00	10,181.00	10,337.00	9,469.00	9,415.00	9,543.00	9,119.00	8,969.00	8,660.00	8,019.00
Card Income — Total2	1,561.00	1,583.00	1,493.00	1,566.00	1,629.00	1,646.00	1,518.00	1,622.00	1,618.00	1,581.00	1,463.00	1,519.00
Interchange Fees	894.00	947.00	865.00	934.00	990.00	1,036.00	916.00	1,029.00	1,030.00	1,023.00	931.00	1,010.00
Other Card Income	667.00	636.00	628.00	632.00	639.00	610.00	602.00	593.00	588.00	558.00	532.00	509.00
Service Charges — Total2	1,676.00	1,706.00	1,674.00	1,649.00	1,632.00	1,615.00	1,561.00	1,554.00	1,552.00	1,507.00	1,442.00	1,446.00
Deposit-Related Service Charges	1,322.00	1,336.00	1,306.00	1,284.00	1,267.00	1,265.00	1,228.00	1,216.00	1,198.00	1,172.00	1,122.00	1,116.00
Lending-Related Service Charges	354.00	370.00	368.00	365.00	365.00	350.00	333.00	338.00	354.00	335.00	320.00	330.00
Investment and Brokerage Services — Total2	5,761.00	5,653.00	5,541.00	5,300.00	5,063.00	4,780.00	4,813.00	4,713.00	4,546.00	4,320.00	4,187.00	3,909.00
Asset Management Fees	4,630.00	4,427.00	4,312.00	4,193.00	3,972.00	3,698.00	3,738.00	3,702.00	3,533.00	3,370.00	3,270.00	3,012.00
Brokerage Fees	1,131.00	1,226.00	1,229.00	1,107.00	1,091.00	1,082.00	1,075.00	1,011.00	1,013.00	950.00	917.00	897.00
Investment Banking Fees — Total3	1,799.00	2,138.00	1,841.00	1,666.00	2,013.00	1,428.00	1,523.00	1,654.00	1,403.00	1,561.00	1,568.00	1,145.00
Underwriting Income	975.00	1,220.00	951.00	752.00	992.00	806.00	770.00	763.00	742.00	869.00	901.00	478.00
Advisory Services	471.00	558.00	553.00	590.00	583.00	333.00	384.00	556.00	387.00	374.00	373.00	389.00
Syndication Fees	353.00	360.00	337.00	324.00	438.00	289.00	369.00	335.00	274.00	318.00	294.00	278.00
Market Making and Similar Activities	2,360.00	4,177.00	3,637.00	2,074.00	3,203.00	3,153.00	3,584.00	2,503.00	3,278.00	3,298.00	3,888.00	998.00
Other Income	352.00	304.00	341.00	362.00	267.00	151.00	805.00	70.00	-151.00	336.00	283.00	-1,004.00
Consolidated Noninterest Expense — Total7	19,722.00	18,627.00	18,531.00	17,437.00	17,337.00	17,183.00	17,770.00	16,787.00	16,479.00	16,309.00	17,237.00	17,731.00
Compensation and Benefits	10,969.00	10,987.00	11,334.00	10,602.00	10,523.00	10,332.00	10,889.00	10,245.00	9,916.00	9,826.00	10,195.00	9,460.00
Occupancy and Equipment	1,967.00	1,914.00	1,900.00	1,884.00	1,872.00	1,836.00	1,856.00	1,824.00	1,836.00	1,818.00	1,811.00	1,794.00
Information Processing and Communications	2,008.00	1,924.00	2,018.00	1,913.00	1,827.00	1,819.00	1,894.00	1,884.00	1,784.00	1,763.00	1,800.00	1,690.00
Product Delivery and Transaction Related	1,170.00	1,327.00	1,126.00	1,011.00	1,025.00	974.00	914.00	903.00	849.00	891.00	851.00	882.00
Marketing	669.00	736.00	533.00	563.00	572.00	563.00	506.00	510.00	504.00	487.00	455.00	455.00
Professional Fees	606.00	573.00	583.00	682.00	606.00	640.00	652.00	744.00	723.00	654.00	548.00	550.00
Other General Operating Expense	2,333.00	1,166.00	1,037.00	782.00	912.00	1,019.00	1,059.00	677.00	867.00	870.00	1,577.00	2,900.00
All Other Segment — Total Revenue (FTE)13	-643.00	-744.00	-723.00	-829.00	-698.00	-833.00	-694.00	-953.00	-1,105.00	-745.00	-647.00	-3,468.00
All Other Net Interest Income (FTE)	-51.00	-43.00	-39.00	-33.00	-26.00	-21.00	-22.00	-21.00	-1.00	6.00	38.00	79.00
All Other Noninterest Income	-592.00	-701.00	-684.00	-796.00	-672.00	-812.00	-672.00	-932.00	-1,104.00	-751.00	-685.00	-3,547.00
All Other Provision for Credit Losses	-6.00	-9.00	-9.00	-10.00	4.00	-9.00	-8.00	-5.00	-3.00	-2.00	-11.00	24.00
All Other Noninterest Expense	1,396.00	167.00	163.00	-63.00	201.00	147.00	290.00	262.00	171.00	261.00	994.00	2,551.00
All Other Loss Before Income Taxes	-2,033.00	-902.00	-877.00	-756.00	-903.00	-971.00	-976.00	-1,210.00	-1,273.00	-1,004.00	-1,630.00	-6,043.00
All Other Income Tax Benefit	-680.00	-610.00	-978.00	-624.00	-800.00	-948.00	-924.00	-942.00	-923.00	-719.00	-878.00	-2,292.00
All Other Segment Net Loss	-1,353.00	-292.00	101.00	-132.00	-103.00	-23.00	-52.00	-268.00	-350.00	-285.00	-752.00	-3,751.00
All Other Average Loans and Leases	6,895.00	6,848.00	6,989.00	7,108.00	7,739.00	7,702.00	8,016.00	8,390.00	8,570.00	8,598.00	8,872.00	9,349.00
All Other Period-End Loans and Leases	7,179.00	7,396.00	6,846.00	6,795.00	7,422.00	6,958.00	7,428.00	8,177.00	8,779.00	8,285.00	8,917.00	8,842.00
All Other Average Deposits	87,614.00	94,404.00	92,207.00	93,678.00	98,338.00	103,500.00	110,389.00	111,717.00	117,804.00	115,766.00	99,339.00	93,739.00
All Other Period-End Deposits	87,577.00	92,761.00	91,608.00	90,785.00	96,493.00	99,701.00	102,550.00	103,871.00	110,467.00	121,059.00	107,736.00	92,705.00
All Other Average Total Assets	251,224.00	286,672.00	292,937.00	294,281.00	328,928.00	349,999.00	345,919.00	365,618.00	380,741.00	379,759.00	352,714.00	346,628.00
All Other Period-End Total Assets	228,148.00	264,079.00	264,013.00	269,329.00	309,170.00	325,763.00	317,940.00	341,509.00	360,063.00	392,554.00	343,975.00	346,356.00

Period-End Total Loans and Leases2	1,251,260.00	1,217,619.00	1,205,035.00	1,185,700.00	1,165,900.00	1,147,056.00	1,110,625.00	1,095,835.00	1,075,800.00	1,056,785.00	1,049,156.00	1,053,732.00
Total Consumer Loans (incl. Fair Value Option)7	490,949.00	487,757.00	480,036.00	483,591.00	475,766.00	472,773.00	468,001.00	464,996.00	460,251.00	456,944.00	454,272.00	459,965.00
Residential Mortgage Loans	236,522.00	236,316.00	236,176.00	236,302.00	235,429.00	235,313.00	235,246.00	228,199.00	227,842.00	227,870.00	227,435.00	228,403.00
Home Equity Loans	27,417.00	27,114.00	26,762.00	26,823.00	26,482.00	26,142.00	25,666.00	25,737.00	25,483.00	25,442.00	25,185.00	25,527.00
Credit Card Loans	107,342.00	105,659.00	102,833.00	106,027.00	102,109.00	101,209.00	99,731.00	103,566.00	100,841.00	99,450.00	98,453.00	102,200.00
Direct/Indirect Consumer Loans	119,356.00	118,327.00	113,954.00	114,130.00	111,412.00	109,730.00	106,984.00	107,122.00	105,695.00	103,834.00	102,849.00	103,468.00
Other Consumer Loans	156.00	182.00	153.00	144.00	169.00	165.00	153.00	151.00	161.00	117.00	115.00	124.00
Total Consumer Loans Excluding Fair Value Option	490,793.00	487,598.00	479,878.00	483,426.00	475,601.00	472,559.00	467,780.00	464,775.00	460,022.00	456,713.00	454,037.00	459,722.00
Consumer Loans Measured at Fair Value	156.00	159.00	158.00	165.00	165.00	214.00	221.00	221.00	229.00	231.00	235.00	243.00
Total Commercial Loans and Leases (incl. Fair Value Option)7	760,311.00	729,862.00	724,999.00	702,109.00	690,134.00	674,283.00	642,624.00	630,839.00	615,549.00	599,841.00	594,884.00	593,767.00
U.S. Commercial Loans (Excl. Small Business)	472,395.00	456,632.00	451,951.00	436,242.00	429,202.00	415,423.00	393,413.00	386,990.00	379,563.00	369,139.00	362,744.00	358,931.00
U.S. Small Business Commercial Loans	23,945.00	23,637.00	23,167.00	22,500.00	22,428.00	22,108.00	21,482.00	20,865.00	20,893.00	20,395.00	19,931.00	19,197.00
Non-U.S. Commercial Loans	170,299.00	159,894.00	160,722.00	155,045.00	148,707.00	148,675.00	141,327.00	137,518.00	127,738.00	122,183.00	123,073.00	124,581.00
Commercial Real Estate Loans	75,222.00	71,097.00	69,615.00	68,748.00	66,986.00	65,676.00	65,539.00	65,730.00	68,420.00	70,284.00	71,652.00	72,878.00
Direct/Indirect Lease Financing	15,265.00	15,402.00	15,945.00	16,241.00	16,282.00	15,752.00	15,698.00	15,708.00	14,992.00	14,874.00	14,781.00	14,854.00
Total Commercial Loans Excluding Fair Value Option	757,126.00	726,662.00	721,400.00	698,776.00	683,605.00	667,634.00	637,459.00	626,811.00	611,606.00	596,875.00	592,181.00	590,441.00
Commercial Loans Measured at Fair Value	3,185.00	3,200.00	3,599.00	3,333.00	6,529.00	6,649.00	5,165.00	4,028.00	3,943.00	2,966.00	2,703.00	3,326.00
Total Committed Commercial Credit Exposure by Industry28	1,527,133.00	1,477,282.00	1,456,765.00	1,427,688.00	1,375,792.00	1,345,944.00	1,291,390.00	1,286,588.00	1,263,436.00	1,222,145.00	1,217,172.00	1,214,112.00
Committed: Asset Managers and Funds	257,435.00	244,880.00	242,756.00	234,323.00	223,876.00	210,455.00	190,223.00	193,947.00	178,572.00	174,326.00	172,321.00	169,318.00
Committed: Finance Companies	135,102.00	129,861.00	130,766.00	129,652.00	121,131.00	119,835.00	109,820.00	101,828.00	105,676.00	89,871.00	89,253.00	89,119.00
Committed: Capital Goods	118,771.00	119,644.00	112,724.00	108,722.00	106,394.00	104,108.00	101,909.00	98,780.00	97,693.00	92,243.00	94,710.00	97,044.00
Committed: Real Estate	106,632.00	99,742.00	97,921.00	99,454.00	97,680.00	96,793.00	95,300.00	95,981.00	97,860.00	97,266.00	99,338.00	100,269.00
Committed: Healthcare Equipment and Services	72,654.00	74,237.00	72,982.00	71,944.00	68,106.00	66,644.00	65,887.00	65,819.00	64,800.00	62,557.00	61,827.00	61,766.00
Committed: Individuals and Trusts	66,819.00	66,984.00	60,264.00	59,713.00	56,245.00	50,167.00	50,091.00	50,353.00	49,583.00	46,069.00	44,587.00	43,938.00
Committed: Materials	62,261.00	61,528.00	62,554.00	61,872.00	60,707.00	62,004.00	61,164.00	58,128.00	56,501.00	56,069.00	54,935.00	55,296.00
Committed: Consumer Services	57,498.00	56,212.00	55,913.00	55,291.00	55,297.00	55,174.00	52,708.00	53,054.00	53,770.00	51,504.00	51,724.00	49,105.00
Committed: Retailing	57,082.00	56,795.00	54,295.00	55,313.00	55,603.00	54,041.00	53,773.00	53,471.00	55,240.00	53,432.00	53,193.00	54,523.00
Committed: Food, Beverage and Tobacco	55,497.00	53,498.00	49,940.00	51,016.00	51,328.00	50,436.00	50,875.00	54,370.00	53,632.00	49,745.00	48,283.00	49,426.00
Committed: Government and Public Education	52,585.00	50,651.00	52,863.00	50,898.00	51,589.00	50,402.00	52,009.00	48,204.00	47,706.00	47,840.00	47,041.00	45,873.00
Committed: Commercial Services and Supplies	50,269.00	49,700.00	45,869.00	46,058.00	46,191.00	45,806.00	45,275.00	43,451.00	42,362.00	42,292.00	41,480.00	41,473.00
Committed: Utilities	48,481.00	46,788.00	44,913.00	43,554.00	44,483.00	43,748.00	42,774.00	42,107.00	40,807.00	39,416.00	39,298.00	39,481.00
Committed: Energy	42,453.00	40,347.00	42,721.00	39,122.00	36,055.00	35,790.00	35,560.00	35,510.00	35,580.00	37,122.00	37,978.00	36,996.00
Committed: Transportation	42,173.00	38,852.00	37,832.00	37,707.00	36,736.00	35,831.00	35,836.00	35,743.00	35,834.00	34,860.00	35,924.00	36,267.00
Committed: Media	37,900.00	35,445.00	46,086.00	43,691.00	24,995.00	23,854.00	22,911.00	24,023.00	23,648.00	24,302.00	24,998.00	24,908.00
Committed: Technology Hardware and Equipment	36,125.00	35,373.00	31,820.00	30,519.00	30,031.00	31,429.00	28,358.00	30,093.00	29,504.00	29,585.00	29,605.00	29,160.00
Committed: Software and Services	34,170.00	33,089.00	34,947.00	32,070.00	32,158.00	30,458.00	25,229.00	27,383.00	28,023.00	26,734.00	25,257.00	22,381.00
Committed: Global Commercial Banks	31,804.00	27,074.00	27,790.00	25,327.00	28,344.00	27,339.00	24,341.00	25,220.00	24,330.00	24,819.00	25,667.00	25,684.00
Committed: Insurance	26,667.00	25,075.00	23,995.00	23,762.00	23,525.00	23,077.00	22,050.00	23,445.00	18,506.00	20,115.00	19,423.00	19,322.00
Committed: Pharmaceuticals and Biotechnology	26,528.00	26,820.00	24,615.00	23,325.00	22,463.00	22,150.00	21,911.00	21,717.00	20,497.00	20,920.00	20,428.00	22,169.00
Committed: Vehicle Dealers	25,974.00	25,049.00	25,081.00	24,669.00	24,665.00	24,496.00	23,542.00	23,855.00	23,424.00	23,546.00	23,370.00	22,570.00
Committed: Consumer Durables and Apparel	21,861.00	21,888.00	21,722.00	23,299.00	21,516.00	22,264.00	21,292.00	21,823.00	22,197.00	21,201.00	20,771.00	20,732.00
Committed: Automobiles and Components	17,514.00	16,291.00	16,257.00	17,284.00	17,052.00	17,355.00	17,270.00	16,268.00	16,798.00	16,192.00	15,724.00	16,459.00
Committed: Telecommunication Services	17,184.00	17,141.00	15,896.00	15,686.00	15,628.00	16,312.00	17,824.00	18,759.00	18,156.00	17,685.00	17,186.00	17,269.00
Committed: Food and Staples Retailing	11,772.00	11,703.00	11,157.00	10,836.00	11,250.00	12,488.00	12,594.00	12,777.00	13,609.00	12,911.00	13,200.00	12,496.00
Committed: Financial Markets Infrastructure (Clearinghouses)	9,767.00	8,368.00	8,784.00	8,336.00	8,671.00	9,431.00	6,676.00	6,413.00	5,104.00	5,156.00	5,008.00	6,503.00
Committed: Religious and Social Organizations	4,155.00	4,247.00	4,302.00	4,245.00	4,073.00	4,057.00	4,188.00	4,066.00	4,024.00	4,367.00	4,643.00	4,565.00
Total Utilized Commercial Credit Exposure by Industry31	889,737.00	847,046.00	843,133.00	808,389.00	795,675.00	780,004.00	740,783.00	739,503.00	716,984.00	697,813.00	695,753.00	696,299.00
Utilized: Asset Managers and Funds	168,022.00	158,972.00	157,305.00	149,178.00	145,980.00	133,225.00	116,857.00	118,123.00	110,334.00	106,806.00	104,602.00	103,138.00
Utilized: Finance Companies	100,138.00	92,461.00	95,327.00	94,444.00	85,106.00	87,100.00	77,795.00	74,975.00	71,809.00	60,950.00	60,501.00	62,906.00
Utilized: Real Estate	74,731.00	70,197.00	70,282.00	69,939.00	69,485.00	69,699.00	68,311.00	69,841.00	72,076.00	71,734.00	72,992.00	73,150.00
Utilized: Capital Goods	56,350.00	56,536.00	57,647.00	54,293.00	54,930.00	55,105.00	52,912.00	51,367.00	51,380.00	48,192.00	49,292.00	49,698.00
Utilized: Individuals and Trusts	52,513.00	51,250.00	45,685.00	43,556.00	42,112.00	36,754.00	35,181.00	35,457.00	34,995.00	34,124.00	32,800.00	32,481.00
Utilized: Healthcare Equipment and Services	39,308.00	39,552.00	36,833.00	35,417.00	36,812.00	36,898.00	36,501.00	35,964.00	34,584.00	34,369.00	35,013.00	35,037.00
Utilized: Government and Public Education	33,645.00	34,112.00	35,316.00	33,874.00	32,253.00	32,747.00	32,872.00	32,682.00	31,954.00	31,755.00	31,453.00	31,051.00
Utilized: Consumer Services	30,645.00	29,019.00	30,043.00	29,757.00	30,481.00	29,936.00	29,144.00	28,391.00	28,258.00	27,525.00	29,287.00	27,355.00
Utilized: Materials	30,078.00	30,374.00	30,743.00	29,094.00	29,167.00	29,640.00	28,434.00	26,797.00	25,583.00	25,662.00	25,257.00	25,223.00
Utilized: Global Commercial Banks	28,173.00	24,268.00	24,815.00	22,377.00	24,329.00	23,509.00	20,802.00	22,641.00	20,922.00	21,621.00	22,816.00	22,749.00
Utilized: Retailing	28,014.00	26,404.00	27,372.00	25,648.00	27,022.00	26,763.00	26,606.00	24,449.00	26,952.00	25,016.00	25,399.00	24,561.00
Utilized: Commercial Services and Supplies	27,566.00	27,640.00	25,013.00	24,680.00	24,662.00	24,953.00	25,724.00	24,409.00	23,465.00	23,282.00	23,073.00	22,642.00
Utilized: Transportation	25,966.00	25,826.00	24,512.00	24,772.00	23,532.00	24,424.00	23,426.00	24,135.00	24,214.00	23,798.00	23,868.00	24,200.00
Utilized: Food, Beverage and Tobacco	25,614.00	24,802.00	24,922.00	25,561.00	25,087.00	25,149.00	25,209.00	25,763.00	23,986.00	24,317.00	23,624.00	23,865.00
Utilized: Utilities	20,721.00	20,560.00	19,604.00	18,670.00	19,390.00	19,280.00	18,822.00	18,186.00	17,472.00	17,426.00	17,571.00	18,610.00
Utilized: Vehicle Dealers	19,888.00	19,833.00	19,414.00	19,222.00	19,113.00	18,618.00	18,050.00	18,194.00	17,681.00	18,179.00	17,365.00	16,283.00
Utilized: Energy	17,108.00	14,425.00	15,544.00	13,199.00	12,553.00	13,771.00	13,968.00	13,857.00	14,033.00	12,332.00	12,143.00	12,450.00
Utilized: Software and Services	16,470.00	16,308.00	17,555.00	15,317.00	14,620.00	11,326.00	11,169.00	11,158.00	11,411.00	10,901.00	9,904.00	9,830.00
Utilized: Technology Hardware and Equipment	16,042.00	14,155.00	12,767.00	11,488.00	10,269.00	10,638.00	9,758.00	11,526.00	11,156.00	11,033.00	11,363.00	11,951.00
Utilized: Media	15,029.00	12,303.00	13,868.00	11,324.00	10,812.00	11,343.00	10,120.00	12,130.00	11,897.00	12,626.00	12,944.00	13,033.00
Utilized: Insurance	13,332.00	12,432.00	12,156.00	11,443.00	11,411.00	11,055.00	10,820.00	12,640.00	8,281.00	9,903.00	8,499.00	9,371.00
Utilized: Consumer Durables and Apparel	9,812.00	9,838.00	9,642.00	9,612.00	9,592.00	10,244.00	9,615.00	8,987.00	9,380.00	8,803.00	8,948.00	9,184.00
Utilized: Pharmaceuticals and Biotechnology	9,211.00	8,397.00	7,359.00	7,166.00	7,097.00	7,301.00	7,704.00	7,378.00	5,229.00	6,778.00	7,202.00	6,852.00
Utilized: Telecommunication Services	8,687.00	6,784.00	6,946.00	6,525.00	7,025.00	7,049.00	9,320.00	8,571.00	8,708.00	9,165.00	9,396.00	9,224.00
Utilized: Automobiles and Components	7,551.00	7,348.00	7,772.00	8,129.00	7,888.00	8,109.00	8,136.00	8,172.00	8,359.00	8,044.00	7,508.00	7,049.00
Utilized: Financial Markets Infrastructure (Clearinghouses)	6,721.00	5,013.00	6,561.00	6,101.00	6,437.00	6,355.00	3,956.00	4,219.00	2,880.00	2,953.00	2,687.00	4,229.00
Utilized: Food and Staples Retailing	6,212.00	5,936.00	5,872.00	5,313.00	6,103.00	6,645.00	7,129.00	7,206.00	7,666.00	7,956.00	7,512.00	7,423.00
Utilized: Religious and Social Organizations	2,190.00	2,301.00	2,258.00	2,290.00	2,407.00	2,368.00	2,442.00	2,285.00	2,319.00	2,563.00	2,734.00	2,754.00
Memo: Total Commercial Reservable Criticized Utilized Exposure	19,906.00	22,074.00	24,339.00	24,748.00	26,332.00	27,904.00	27,652.00	26,495.00	27,439.00	24,761.00	24,529.00	23,300.00
Memo: Commercial Reservable Criticized Utilized Ratio	2.49	2.89	3.21	3.37	3.67	3.98	4.12	4.01	4.25	3.94	3.93	3.74
Memo: Total Commercial Criticized Utilized Ratio	2.50	2.90	3.20	3.36	3.62	3.88	4.35	4.16	4.45	4.14	4.13	4.00

Total Nonperforming Loans, Leases and Foreclosed Properties (NPAs)3	5,649.00	5,870.00	5,933.00	5,905.00	5,470.00	6,104.00	6,201.00	6,120.00	5,824.00	5,691.00	6,034.00	5,630.00
Total Nonperforming Loans and Leases (NPLs)2	5,544.00	5,751.00	5,831.00	5,804.00	5,347.00	5,981.00	6,083.00	5,975.00	5,629.00	5,473.00	5,883.00	5,485.00
Total Consumer Nonperforming Loans3	2,610.00	2,590.00	2,680.00	2,576.00	2,531.00	2,564.00	2,613.00	2,647.00	2,677.00	2,671.00	2,697.00	2,712.00
Residential Mortgage NPLs	2,076.00	2,049.00	2,103.00	2,008.00	1,972.00	2,008.00	2,036.00	2,052.00	2,089.00	2,097.00	2,112.00	2,114.00
Home Equity NPLs	366.00	371.00	391.00	392.00	386.00	393.00	410.00	409.00	413.00	422.00	438.00	450.00
Direct/Indirect Consumer NPLs	168.00	170.00	186.00	176.00	173.00	163.00	167.00	186.00	175.00	152.00	147.00	148.00
Total Commercial Nonperforming Loans5	2,934.00	3,161.00	3,151.00	3,228.00	2,816.00	3,417.00	3,470.00	3,328.00	2,952.00	2,802.00	3,186.00	2,773.00
U.S. Commercial NPLs (Excl. Small Business)	1,702.00	1,674.00	1,488.00	1,404.00	1,131.00	1,277.00	1,157.00	1,204.00	699.00	700.00	720.00	636.00
U.S. Small Business Commercial NPLs	36.00	45.00	53.00	51.00	49.00	39.00	31.00	28.00	26.00	22.00	20.00	16.00
Non-U.S. Commercial NPLs	249.00	312.00	334.00	80.00	107.00	102.00	111.00	8.00	85.00	90.00	157.00	175.00
Commercial Real Estate NPLs	888.00	1,068.00	1,191.00	1,596.00	1,470.00	1,964.00	2,145.00	2,068.00	2,124.00	1,971.00	2,273.00	1,927.00
Direct/Indirect Lease Financing NPLs	59.00	62.00	85.00	97.00	59.00	35.00	26.00	20.00	18.00	19.00	16.00	19.00
Nonperforming Loans and Leases as % of Total Loans	0.44	0.47	0.49	0.49	0.46	0.52	0.55	0.55	0.53	0.52	0.56	0.52
Nonperforming Assets as % of Total Loans, Leases and Foreclosed Properties	0.45	0.48	0.49	0.50	0.47	0.54	0.56	0.56	0.54	0.54	0.58	0.54
Loans 30+ Days Past Due and Still Accruing — Total4	6,660.00	5,992.00	7,218.00	6,888.00	6,540.00	6,047.00	6,488.00	6,612.00	6,509.00	5,651.00	5,829.00	5,920.00
Credit Card 30+ Days Past Due and Still Accruing	2,488.00	2,352.00	2,512.00	2,604.00	2,464.00	2,388.00	2,497.00	2,638.00	2,563.00	2,415.00	2,446.00	2,419.00
FHA/VA Fully-Insured Home Loans 30+ Days Past Due	415.00	420.00	458.00	450.00	439.00	419.00	460.00	488.00	463.00	466.00	476.00	527.00
Other Loans 30+ Days Past Due and Still Accruing	3,757.00	3,220.00	4,248.00	3,834.00	3,637.00	3,240.00	3,531.00	3,486.00	3,483.00	2,770.00	2,907.00	2,974.00
Loans 90+ Days Past Due and Still Accruing — Total3	1,904.00	1,862.00	2,017.00	2,121.00	2,098.00	1,751.00	1,867.00	1,931.00	2,147.00	1,800.00	1,872.00	1,756.00
Credit Card 90+ Days Past Due and Still Accruing	1,211.00	1,241.00	1,341.00	1,351.00	1,260.00	1,257.00	1,334.00	1,401.00	1,306.00	1,257.00	1,299.00	1,224.00
FHA/VA Fully-Insured Home Loans 90+ Days Past Due	218.00	219.00	240.00	207.00	201.00	196.00	234.00	229.00	215.00	211.00	230.00	252.00
Other Loans 90+ Days Past Due and Still Accruing	475.00	402.00	436.00	563.00	637.00	298.00	299.00	301.00	626.00	332.00	343.00	280.00
Total Net Charge-Offs (NCOs)4	1,349.00	1,412.00	1,409.00	1,287.00	1,367.00	1,525.00	1,452.00	1,466.00	1,534.00	1,533.00	1,498.00	1,192.00
Total Net Charge-Off Ratio (Annualized % of Average Loans)	0.44	0.47	0.48	0.44	0.47	0.55	0.54	0.54	0.58	0.59	0.58	0.45
Total Consumer Net Charge-Offs9	997.00	1,040.00	1,059.00	992.00	978.00	1,059.00	1,119.00	1,107.00	1,044.00	1,059.00	1,028.00	913.00
Total Consumer NCO Ratio	0.81	0.86	0.89	0.82	0.82	0.90	0.98	0.96	0.91	0.93	0.91	0.79
Credit Card Net Charge-Offs	859.00	919.00	924.00	882.00	880.00	954.00	1,001.00	963.00	928.00	955.00	899.00	777.00
Credit Card NCO Ratio	3.22	3.55	3.64	3.40	3.46	3.82	4.05	3.79	3.70	3.88	3.62	3.07
Direct/Indirect Consumer Net Charge-Offs	61.00	56.00	74.00	63.00	55.00	47.00	70.00	67.00	56.00	51.00	65.00	49.00
Direct/Indirect Consumer NCO Ratio	0.20	0.19	0.26	0.22	0.20	0.17	0.27	0.25	0.21	0.20	0.26	0.19
Other Consumer Net Charge-Offs	82.00	70.00	63.00	57.00	55.00	66.00	60.00	87.00	67.00	67.00	74.00	93.00
Home Equity Net Charge-Offs / (Recoveries)	-5.00	-6.00	-7.00	-8.00	-11.00	-10.00	-12.00	-9.00	-5.00	-14.00	-13.00	-17.00
Home Equity NCO Ratio	-0.08	-0.09	-0.09	-0.12	-0.17	-0.15	-0.19	-0.14	-0.07	-0.23	-0.20	-0.26
Residential Mortgage Net Charge-Offs / (Recoveries)		1.00	5.00	-2.00	-1.00	2.00		-1.00	-2.00		3.00	11.00
Total Commercial Net Charge-Offs11	352.00	372.00	350.00	295.00	389.00	466.00	333.00	359.00	490.00	474.00	470.00	279.00
Total Commercial NCO Ratio	0.19	0.20	0.20	0.17	0.23	0.29	0.22	0.23	0.33	0.32	0.32	0.19
Commercial Real Estate Net Charge-Offs	105.00	2.00	56.00	46.00	120.00	202.00	123.00	117.00	171.00	272.00	304.00	115.00
Commercial Real Estate NCO Ratio	0.56	0.01	0.33	0.27	0.72	1.24	0.75	0.70	0.98	1.53	1.70	0.62
Total Commercial & Industrial (C&I) Net Charge-Offs	116.00	233.00	139.00	116.00	135.00	129.00	77.00	119.00	195.00	84.00	57.00	68.00
Total C&I NCO Ratio	0.07	0.15	0.09	0.08	0.09	0.09	0.06	0.09	0.16	0.07	0.05	0.06
U.S. Commercial (Excl. Small Business) Net Charge-Offs	80.00	180.00	132.00	92.00	135.00	129.00	70.00	100.00	135.00	87.00	66.00	67.00
U.S. Commercial (Excl. Small Business) NCO Ratio	0.07	0.16	0.12	0.09	0.13	0.13	0.07	0.10	0.15	0.10	0.07	0.07
U.S. Small Business Commercial Net Charge-Offs	132.00	137.00	143.00	130.00	134.00	134.00	133.00	123.00	124.00	118.00	108.00	97.00
U.S. Small Business Commercial NCO Ratio	2.22	2.35	2.55	2.29	2.41	2.48	2.57	2.37	2.40	2.35	2.22	1.99
Non-U.S. Commercial Net Charge-Offs	36.00	53.00	7.00	24.00			7.00	19.00	60.00	-3.00	-9.00	1.00
Non-U.S. Commercial NCO Ratio	0.09	0.13	0.02	0.06			0.02	0.06	0.19	-0.01	-0.03
By Segment: Consumer Banking Net Charge-Offs7	1,139.00	1,183.00	1,208.00	1,133.00	1,122.00	1,200.00	1,262.00	1,246.00	1,175.00	1,188.00	1,144.00	1,023.00
Consumer Banking NCO Ratio	1.41	1.48	1.52	1.39	1.39	1.51	1.62	1.57	1.49	1.53	1.47	1.30
GWIM Net Charge-Offs	13.00	9.00	13.00	5.00	8.00	10.00	9.00	10.00	10.00	11.00	17.00	12.00
GWIM NCO Ratio	0.02	0.01	0.02	0.01	0.01	0.02	0.02	0.02	0.02	0.02	0.03	0.02
Global Banking Net Charge-Offs	209.00	231.00	164.00	160.00	250.00	303.00	187.00	220.00	358.00	346.00	350.00	160.00
Global Banking NCO Ratio	0.20	0.23	0.17	0.17	0.26	0.32	0.20	0.23	0.39	0.38	0.38	0.17
All Other Net Charge-Offs / (Recoveries)	-12.00	-11.00	-9.00	-11.00	-12.00	-13.00	-12.00	-12.00	-10.00	-14.00	-13.00	-11.00
All Other NCO Ratio	-0.74	-0.61	-0.58	-0.63	-0.61	-0.68	-0.62	-0.59	-0.44	-0.66	-0.59	-0.48
Total Allowance for Credit Losses (ACL — Loans + Unfunded Commitments)5	14,184.00	14,264.00	14,309.00	14,380.00	14,361.00	14,434.00	14,366.00	14,336.00	14,351.00	14,342.00	14,371.00	14,551.00
Allowance for Loan and Lease Losses (ALLL) — Total2	13,005.00	13,114.00	13,148.00	13,203.00	13,252.00	13,291.00	13,256.00	13,240.00	13,251.00	13,238.00	13,213.00	13,342.00
Total Consumer ALLL10	8,170.00	8,246.00	8,271.00	8,380.00	8,452.00	8,578.00	8,552.00	8,570.00	8,593.00	8,514.00	8,476.00	8,520.00
Credit Card ALLL	7,012.00	7,060.00	7,095.00	7,197.00	7,272.00	7,456.00	7,434.00	7,515.00	7,492.00	7,341.00	7,296.00	7,346.00
Credit Card ALLL % of Loans	6.53	6.68	6.90	6.79	7.12	7.37	7.45	7.26	7.43	7.38	7.41	7.19
Direct/Indirect Consumer ALLL	663.00	681.00	705.00	713.00	713.00	712.00	710.00	700.00	730.00	751.00	751.00	715.00
Direct/Indirect Consumer ALLL % of Loans	0.56	0.58	0.62	0.63	0.64	0.65	0.66	0.65	0.69	0.72	0.73	0.69
Residential Mortgage ALLL	313.00	313.00	303.00	294.00	321.00	290.00	290.00	264.00	280.00	283.00	292.00	339.00
Residential Mortgage ALLL % of Loans	0.13	0.13	0.13	0.12	0.14	0.12	0.12	0.12	0.12	0.12	0.13	0.15
Home Equity ALLL	128.00	128.00	114.00	122.00	87.00	56.00	50.00	29.00	29.00	64.00	63.00	47.00
Home Equity ALLL % of Loans	0.47	0.47	0.43	0.46	0.33	0.21	0.19	0.11	0.11	0.25	0.25	0.19
Other Consumer ALLL	54.00	64.00	54.00	54.00	59.00	64.00	68.00	62.00	62.00	75.00	74.00	73.00
Total Consumer ALLL % of Loans	1.66	1.69	1.72	1.73	1.78	1.82	1.83	1.84	1.87	1.86	1.87	1.85
Total Commercial ALLL9	4,835.00	4,868.00	4,877.00	4,823.00	4,800.00	4,713.00	4,704.00	4,670.00	4,658.00	4,724.00	4,737.00	4,822.00
U.S. Commercial ALLL	3,100.00	3,035.00	3,051.00	2,967.00	2,896.00	2,816.00	2,739.00	2,637.00	2,567.00	2,586.00	2,596.00	2,600.00
U.S. Commercial ALLL % of Loans	0.62	0.63	0.64	0.65	0.64	0.64	0.66	0.65	0.64	0.66	0.68	0.69
Commercial Real Estate ALLL	854.00	908.00	939.00	1,007.00	1,045.00	1,082.00	1,204.00	1,219.00	1,287.00	1,279.00	1,292.00	1,342.00
Commercial Real Estate ALLL % of Loans	1.14	1.28	1.35	1.46	1.56	1.65	1.84	1.85	1.88	1.82	1.80	1.84
Non-U.S. Commercial ALLL	827.00	868.00	837.00	801.00	813.00	773.00	720.00	778.00	766.00	822.00	812.00	842.00
Non-U.S. Commercial ALLL % of Loans	0.49	0.54	0.52	0.52	0.55	0.52	0.51	0.57	0.60	0.67	0.66	0.68
Lease Financing ALLL	54.00	57.00	50.00	48.00	46.00	42.00	41.00	36.00	38.00	37.00	37.00	38.00
Lease Financing ALLL % of Loans	0.36	0.37	0.32	0.29	0.28	0.27	0.27	0.23	0.25	0.25	0.25	0.26
Total Commercial ALLL % of Loans	0.64	0.67	0.68	0.69	0.70	0.71	0.74	0.75	0.76	0.79	0.80	0.82
Reserve for Unfunded Lending Commitments	1,179.00	1,150.00	1,161.00	1,177.00	1,109.00	1,143.00	1,110.00	1,096.00	1,100.00	1,104.00	1,158.00	1,209.00
ALLL as % of Total Loans and Leases	1.04	1.08	1.09	1.12	1.14	1.17	1.20	1.21	1.24	1.26	1.26	1.27
ALLL Coverage of Nonperforming Loans and Leases	235.00	228.00	225.00	228.00	248.00	222.00	218.00	222.00	235.00	242.00	225.00	243.00
ALLL Coverage of Annualized Net Charge-Offs(×)	2.43	2.32	2.30	2.59	2.44	2.17	2.25	2.27	2.17	2.15	2.19	2.82

Common Equity Tier 1 (CET1) Capital Ratio — Standardized Approach9	10.90	11.20	11.20	11.40	11.60	11.50	11.80	11.90	11.80	11.90	11.90	11.80
CET1 Capital Ratio — Advanced Approaches	12.00	12.50	12.50	12.80	13.10	13.00	13.30	13.50	13.50	13.50	13.40	13.40
Tier 1 Capital Ratio — Standardized Approach	12.20	12.60	12.60	12.80	13.10	12.90	13.00	13.20	13.20	13.50	13.60	13.50
Tier 1 Capital Ratio — Advanced Approaches	13.50	14.00	14.10	14.50	14.80	14.50	14.60	15.00	15.00	15.30	15.40	15.30
Total Capital Ratio — Standardized Approach	14.20	14.70	14.50	14.70	15.00	14.80	15.00	15.10	14.90	15.10	15.20	15.20
Total Capital Ratio — Advanced Approaches	15.10	15.60	15.50	15.90	16.30	16.10	16.20	16.40	16.30	16.40	16.60	16.60
Tier 1 Leverage Ratio	6.60	6.60	6.50	6.80	6.80	6.70	6.80	6.90	6.90	7.00	7.10	7.10
Supplementary Leverage Ratio (SLR)	5.50	5.50	5.50	5.70	5.80	5.70	5.70	5.90	5.90	6.00	6.00	6.10
Tangible Common Equity Ratio	6.00	6.00	6.00	6.20	6.20	6.10	6.20	6.30	6.20	6.20	6.10	6.20
Common Equity Ratio	7.90	7.90	7.90	8.10	8.10	8.00	8.20	8.30	8.20	8.20	8.10	8.30
Common Equity Tier 1 (CET1) Capital — Standardized7	198,407.00	201,581.00	199,695.00	201,410.00	202,875.00	201,200.00	201,177.00	201,083.00	199,805.00	198,119.00	196,625.00	194,928.00
CET1 Capital — Advanced Approaches	198,407.00	201,581.00	199,695.00	201,410.00	202,875.00	201,200.00	201,177.00	201,083.00	199,805.00	198,119.00	196,625.00	194,928.00
Tier 1 Capital — Standardized	223,370.00	226,568.00	224,671.00	227,382.00	228,829.00	224,684.00	221,666.00	223,458.00	222,942.00	224,641.00	225,021.00	223,323.00
Tier 1 Capital — Advanced Approaches	223,370.00	226,568.00	224,671.00	227,382.00	228,829.00	224,684.00	221,666.00	223,458.00	222,942.00	224,641.00	225,021.00	223,323.00
Tier 2 Capital Instruments	21,924.00	22,348.00	19,518.00	19,627.00	20,502.00	20,634.00	20,650.00	18,592.00	16,201.00	13,583.00	14,185.00	15,340.00
Qualifying Allowance for Credit Losses in Tier 2 Capital	14,240.00	14,318.00	14,359.00	14,431.00	14,420.00	14,499.00	14,442.00	13,558.00	13,575.00	13,564.00	13,592.00	12,920.00
Total Regulatory Capital — Standardized	259,252.00	262,752.00	258,316.00	261,232.00	263,433.00	259,508.00	256,466.00	255,363.00	252,381.00	251,434.00	252,400.00	251,399.00
Total Regulatory Capital — Advanced Approaches	248,413.00	252,284.00	247,594.00	250,347.00	252,730.00	249,000.00	245,995.00	244,809.00	241,794.00	241,423.00	242,576.00	241,449.00
Risk-Weighted Assets (RWA) — Standardized Approach3	1,823,896.00	1,792,202.00	1,778,126.00	1,772,941.00	1,750,950.00	1,748,273.00	1,711,025.00	1,695,743.00	1,688,751.00	1,661,439.00	1,657,660.00	1,651,232.00
Risk-Weighted Assets (RWA) — Advanced Approaches	1,650,419.00	1,612,592.00	1,593,984.00	1,570,022.00	1,546,142.00	1,546,112.00	1,513,856.00	1,489,896.00	1,482,451.00	1,468,729.00	1,462,660.00	1,458,746.00
Adjusted Quarterly Average Assets (Leverage Denominator)	3,392,241.00	3,452,090.00	3,432,747.00	3,348,087.00	3,356,512.00	3,353,376.00	3,272,037.00	3,239,641.00	3,217,562.00	3,196,465.00	3,168,595.00	3,135,468.00
Total Supplementary Leverage Exposure	4,083,134.00	4,121,831.00	4,086,677.00	3,986,002.00	3,976,630.00	3,956,615.00	3,859,796.00	3,818,346.00	3,787,646.00	3,756,535.00	3,723,890.00	3,676,365.00
Return on Average Tangible Common Shareholders' Equity (ROTCE)5	12.60	17.03	16.00	13.97	15.29	13.61	13.97	13.02	12.49	13.47	12.79	5.92
Return on Average Common Shareholders' Equity (ROCE)	9.41	12.71	11.95	10.45	11.40	10.12	10.37	9.64	9.22	9.89	9.37	4.33
Return on Average Total Shareholders' Equity (ROE)	9.14	12.09	11.51	9.98	11.01	9.74	10.15	9.23	9.10	9.37	9.19	4.32
Return on Average Assets (ROA)	0.79	1.03	0.99	0.89	0.96	0.84	0.89	0.82	0.81	0.84	0.82	0.39
Consolidated Efficiency Ratio — FTE Basis	65.48	58.72	60.89	61.11	59.39	62.28	62.59	63.04	62.51	61.62	63.79	80.22
Consolidated Efficiency Ratio — GAAP Basis	65.83	59.02	61.22	61.47	59.70	62.61	62.91	63.41	62.86	62.00	64.17	80.75
Book Value per Share of Common Stock (BVPS)7	39.26	39.34	38.66	38.44	37.72	36.92	36.17	35.58	35.14	34.19	33.52	33.34
Tangible Book Value per Share of Common Stock (TBVPS)	29.14	29.37	28.84	28.73	28.16	27.49	26.90	26.37	26.03	25.17	24.61	24.46
Period-End Common Shareholders' Equity	271,753.00	276,098.00	275,672.00	277,251.00	276,445.00
Period-End Tangible Common Shareholders' Equity	201,760.00	206,090.00	205,651.00	207,214.00	206,392.00
Average Common Shareholders' Equity	275,885.00	275,988.00	276,753.00	277,881.00	275,149.00
Average Tangible Common Shareholders' Equity	205,882.00	205,972.00	206,723.00	207,834.00	205,094.00
Period-End Tangible Assets	3,357,711.00	3,429,183.00	3,426,165.00	3,341,701.00	3,333,096.00	3,370,739.00	3,278,965.00	3,191,210.00	3,253,817.00	3,187,781.00	3,203,755.00	3,110,007.00
Period-End Common Equity Market Capitalization	376,802.00	399,884.00	347,583.00	396,686.00	378,125.00	351,904.00	315,482.00	334,497.00	305,090.00	309,202.00	298,312.00	265,840.00

Average Global Liquidity Sources (GLS) — Total Consolidated2	914.00	947.00	960.00	975.00	961.00	938.00	942.00	953.00	947.00	909.00	909.00	897.00
10-Q/10-K Average Global Liquidity Sources — Total2		947.00	960.00	975.00	961.00	938.00	942.00	953.00	947.00	909.00	909.00	897.00
Average GLS Held at Bank Entities (BANA & Bank Subsidiaries)		759.00	778.00	789.00	768.00	749.00	763.00	777.00	769.00	745.00	747.00	735.00
Average GLS Held at Parent & Nonbank Entities		188.00	182.00	186.00	193.00	189.00	179.00	176.00	178.00	164.00	162.00	162.00
Pledged Collateral Borrowing Capacity at FHLBs & FRB Discount Window		357.00	342.00	343.00	330.00	335.00	333.00	328.00	334.00	317.00	326.00	312.00
Basel 3 Pillar 3 — Average U.S. Liquidity Coverage Ratio (LCR)2		112.00	111.70	112.00	112.80	114.40	112.40	113.00	115.20	112.50	113.10	114.60
Total Eligible High-Quality Liquid Assets (HQLA, Weighted)3		683,634.00	672,532.00	666,846.00	664,482.00	644,708.00	629,059.00	622,720.00	610,228.00	592,095.00	585,708.00	590,331.00
Total Eligible HQLA (Unweighted)		693,778.00	675,247.00	667,451.00	665,376.00	645,206.00	629,106.00	622,762.00	610,306.00	592,146.00	585,736.00	590,350.00
Total Level 1 Liquid Assets (Weighted)2		626,155.00	657,147.00	663,413.00	659,417.00	641,887.00	628,795.00	622,478.00	609,785.00	591,806.00	585,546.00	590,227.00
Eligible Reserve Bank Cash Balances		251,059.00	241,712.00	227,036.00	260,330.00	270,532.00	268,437.00	314,857.00	318,079.00	343,726.00
Eligible Level 1 Securities		375,095.00	415,435.00	436.00	399,086.00	371,355.00	360,358.00	307,621.00	291,706.00	248,080.00
Eligible Level 2A Liquid Assets (Weighted)		57,480.00	15,385.00	3,432.00	5,065.00	2,821.00	264.00	242.00	443.00	289.00	162.00	104.00
Total Adjusted Net Cash Outflow Amount (Weighted)4		610,614.00	602,288.00	595,224.00	589,190.00	563,466.00	559,816.00	551,320.00	529,758.00	526,150.00	517,640.00	515,171.00
Retail Funding Cash Outflow (Weighted)		88,511.00	87,832.00	86,504.00	85,074.00	86,755.00	87,699.00	84,334.00	83,639.00	82,553.00	81,946.00	81,011.00
Unsecured Wholesale Funding Cash Outflow (Weighted)		303,751.00	306,002.00	296,989.00	287,168.00	275,068.00	269,235.00	267,500.00	257,075.00	248,674.00	245,791.00	248,891.00
Secured Wholesale Funding & Asset Exchange Outflow (Weighted)		275,628.00	252,524.00	238,501.00	242,572.00	233,433.00	222,469.00	214,886.00	205,064.00	207,207.00	198,179.00	188,575.00
Total Cash Inflow (Weighted)		285,056.00	268,160.00	253,701.00	246,651.00	243,279.00	226,944.00	214,354.00	206,381.00	199,117.00	190,036.00	181,585.00
Basel 3 Pillar 3 — Average U.S. Net Stable Funding Ratio (NSFR)2		117.10	119.00	119.80	119.80	120.30	119.80	119.00	120.80	118.80	119.80	119.80
Total Available Stable Funding (ASF, Weighted)5		1,973,940.00	1,941,889.00	1,918,611.00	1,896,786.00	1,867,688.00	1,813,748.00	1,799,732.00	1,798,350.00	1,794,931.00	1,790,639.00	1,769,680.00
Capital and Securities ASF (Weighted)		621,418.00	616,514.00	605,462.00	605,977.00	596,378.00	580,599.00	576,146.00	582,048.00	575,002.00	581,546.00	571,526.00
Retail Funding ASF (Unweighted Carrying Value)		1,057,570.00	272,940.00	264,760.00	271,938.00	265,775.00	252,470.00	249,915.00	259,880.00	254,426.00	260,538.00	254,380.00
Stable Retail Deposits (Unweighted Carrying Value)		744,792.00	739,820.00	656,138.00	657,942.00	665,725.00	662,405.00	659,983.00	660,924.00	673,472.00	678,230.00	684,184.00
Wholesale Funding ASF (Weighted)		454,225.00	448,764.00	446,753.00	433,431.00	425,528.00	404,803.00	400,011.00	386,682.00	388,608.00	380,656.00	377,268.00
Operational Deposits ASF (Weighted)		250,590.00	245,916.00	248,392.00	237,081.00	226,062.00	220,972.00	223,300.00	211,930.00	206,644.00	204,306.00	205,057.00
Total Adjusted Required Stable Funding (RSF, Weighted)3		1,685,468.00	1,631,554.00	1,601,449.00	1,583,216.00	1,552,740.00	1,514,265.00	1,512,331.00	1,488,642.00	1,511,502.00	1,495,280.00	1,477,089.00
Total HQLA RSF (Weighted)		82,946.00	80,892.00	80,420.00	82,549.00	86,033.00	84,161.00	83,978.00	85,561.00	91,453.00	87,561.00	86,546.00
Loans and Securities RSF (Weighted)		1,172,435.00	1,137,867.00	1,122,064.00	1,110,335.00	1,075,213.00	1,047,104.00	1,044,576.00	1,022,777.00	1,024,895.00	1,027,710.00	1,018,892.00
Retail Mortgages RSF (Weighted)		175,595.00	174,962.00	173,092.00	173,103.00	172,761.00	166,761.00	166,285.00	166,326.00	166,415.00	167,287.00	173,029.00
Total Debt Securities — Amortized Cost6	846,975.00	871,670.00	903,699.00	927,362.00	938,745.00	933,391.00	942,286.00	920,993.00	896,017.00	882,214.00	913,352.00	875,275.00
Total Debt Securities — Fair Value	738,149.00	787,153.00	820,000.00	845,405.00	851,180.00	837,109.00	842,967.00	809,155.00	807,323.00	767,687.00	800,867.00	773,449.00
Total Debt Securities — Gross Unrealized Gains	324.00	743.00	598.00	992.00	631.00	687.00	565.00	424.00	728.00	245.00	355.00	206.00
Total Debt Securities — Gross Unrealized Losses	-109,150.00	-85,260.00	-84,297.00	-82,949.00	-88,196.00	-96,969.00	-99,884.00	-112,262.00	-89,422.00	-114,772.00	-112,840.00	-102,032.00
Available-for-Sale (AFS) Debt Securities — Amortized Cost3	333,627.00	350,914.00	371,444.00	388,611.00	393,024.00	381,405.00	379,224.00	349,928.00	318,873.00	295,023.00	316,418.00	270,482.00
AFS Debt Securities — Fair Value	328,814.00	348,540.00	368,963.00	386,798.00	390,293.00	378,033.00	376,249.00	346,432.00	315,719.00	291,295.00	313,073.00	266,649.00
AFS Debt Securities — Gross Unrealized Gains	250.00	621.00	478.00	790.00	467.00	374.00	449.00	364.00	508.00	183.00	265.00	150.00
AFS Debt Securities — Gross Unrealized Losses	-5,063.00	-2,995.00	-2,959.00	-2,603.00	-3,198.00	-3,746.00	-3,424.00	-3,860.00	-3,662.00	-3,911.00	-3,610.00	-3,983.00
Held-to-Maturity (HTM) Debt Securities — Amortized Cost3	496,426.00	505,828.00	514,763.00	522,685.00	531,449.00	541,322.00	550,756.00	558,713.00	567,589.00	577,402.00	586,899.00	594,591.00
HTM Debt Securities — Fair Value	392,513.00	423,734.00	433,611.00	442,430.00	446,544.00	448,179.00	454,408.00	450,548.00	481,887.00	466,636.00	477,748.00	496,597.00
HTM Debt Securities — Gross Unrealized Gains	1.00	1.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00
HTM Debt Securities — Gross Unrealized Losses	-103,914.00	-82,095.00	-81,154.00	-80,257.00	-84,907.00	-93,145.00	-96,350.00	-108,166.00	-85,703.00	-110,766.00	-109,151.00	-97,994.00
Total Debt Securities Carried at Fair Value — Amortized Cost3	350,549.00	365,842.00	388,936.00	404,677.00	407,296.00	392,069.00	391,530.00	362,280.00	328,428.00	304,812.00	326,453.00	280,684.00
Total Debt Securities Carried at Fair Value — Fair Value	345,636.00	363,419.00	386,389.00	402,975.00	404,636.00	388,930.00	388,559.00	358,607.00	325,436.00	301,051.00	323,119.00	276,852.00
Debt Securities Carried at Fair Value — Gross Unrealized Gains	323.00	742.00	596.00	990.00	629.00	685.00	563.00	423.00	727.00	245.00	355.00	206.00
Debt Securities Carried at Fair Value — Gross Unrealized Losses	-5,236.00	-3,165.00	-3,143.00	-2,692.00	-3,289.00	-3,824.00	-3,534.00	-4,096.00	-3,719.00	-4,006.00	-3,689.00	-4,038.00
Total Off-Balance Sheet Credit Extension Commitments (Note 12)2		1,218,148.00	1,197,771.00	1,193,176.00	1,149,378.00	1,131,181.00	1,112,287.00	1,100,172.00	1,098,307.00	1,073,245.00	1,069,423.00	1,054,265.00
Total Legally Binding Lending Commitments5		728,721.00	712,012.00	716,250.00	675,732.00	662,610.00	647,588.00	643,987.00	643,924.00	620,607.00	618,300.00	613,937.00
Commercial & Consumer Loan Commitments		643,886.00	627,534.00	633,176.00	594,354.00	580,612.00	565,231.00	561,539.00	561,235.00	539,042.00	536,196.00	532,380.00
Home Equity Lines of Credit (HELOC) Commitments		42,300.00	42,972.00	43,082.00	43,506.00	43,767.00	44,193.00	44,280.00	44,728.00	45,275.00	45,545.00	45,127.00
Standby Letters of Credit and Financial Guarantees		40,542.00	39,619.00	38,116.00	35,988.00	36,223.00	36,214.00	36,045.00	35,854.00	34,066.00	34,052.00	34,045.00
Commercial Letters of Credit		839.00	750.00	748.00	728.00	854.00	770.00	950.00	917.00	1,039.00	1,291.00	1,175.00
Other Legally Binding Commitments		1,154.00	1,137.00	1,128.00	1,156.00	1,154.00	1,180.00	1,173.00	1,190.00	1,185.00	1,216.00	1,210.00
Unused Credit Card Lines of Credit		489,427.00	485,759.00	476,926.00	473,646.00	468,571.00	464,699.00	456,185.00	454,383.00	452,638.00	451,123.00	440,328.00

Common Stock Repurchases — Total Shares Repurchased (Monthly & Quarterly)5		112,332.00	174,889.00	117,434.00	109,255.00	123,970.00	134,056.00	78,407.00	89,824.00	92,739.00	98,622.00	28,340.00
Shares Repurchased Under Publicly Announced Programs		112,161.00	139,771.00	117,249.00	108,385.00	123,771.00	102,524.00	78,224.00	88,192.00	92,538.00	72,550.00	28,167.00
Weighted-Average Price Paid per Repurchased Share		53.55	51.78	53.81	48.88	42.84	44.59	45.19	40.05	37.82	34.38	28.79
Period-End Common Shares Issued and Outstanding	6,922.70	7,018.00	7,129.90	7,212.50	7,329.40	7,436.70	7,560.10	7,610.90	7,688.80	7,774.80	7,866.90	7,895.50
Average Basic Common Shares	7,052.50	7,151.20	7,256.10	7,364.90	7,466.00	7,581.20	7,677.90	7,738.40	7,818.00	7,897.90	7,968.20	7,990.90
Average Diluted Common Shares	7,222.20	7,294.20	7,417.50	7,546.90	7,627.10	7,651.60	7,770.80	7,843.70	7,902.10	7,960.90	8,031.40	8,062.50

Bank of America, National Association (BANA — FDIC Cert #3510, FFIEC 031 Call Report) — Total Assets16		2,654,645.00	2,672,192.00	2,636,823.00	2,651,090.00	2,665,555.00	2,615,296.00	2,589,060.00	2,565,878.00	2,550,584.00	2,550,363.00	2,540,116.00
BANA Total Loans and Leases (Gross)6		1,211,486.00	1,204,693.00	1,180,073.00	1,161,439.00	1,142,921.00	1,108,634.00	1,097,653.00	1,077,665.00	1,054,531.00	1,047,500.00	1,050,030.00
BANA Real Estate Secured Loans		340,754.00	338,502.00	337,884.00	333,841.00	333,726.00	332,587.00	325,481.00	326,206.00	324,765.00	325,273.00	326,966.00
BANA Commercial & Industrial (C&I) Loans		323,453.00	314,153.00	307,488.00	307,017.00	307,142.00	296,731.00	295,382.00	337,138.00	327,219.00	327,109.00	320,815.00
BANA Consumer Loans to Individuals2		152,464.00	153,490.00	155,736.00	151,826.00	150,897.00	149,120.00	154,118.00	185,416.00	183,214.00	181,715.00	186,210.00
BANA Credit Card Loans		105,659.00	102,833.00	106,027.00	102,109.00	101,209.00	99,731.00	103,566.00	100,841.00	99,450.00	98,453.00	102,200.00
BANA Automobile Loans		37,479.00	38,878.00	39,980.00	39,839.00	39,644.00	39,209.00	40,335.00	40,156.00	38,999.00	39,587.00	39,398.00
BANA Net Loans and Leases		1,198,387.00	1,191,560.00	1,166,885.00	1,148,203.00	1,129,643.00	1,095,391.00	1,084,434.00	1,064,437.00	1,041,322.00	1,034,335.00	1,036,752.00
BANA Allowance for Credit Losses on Loans		13,099.00	13,133.00	13,188.00	13,236.00	13,278.00	13,243.00	13,219.00	13,228.00	13,209.00	13,165.00	13,278.00
BANA Noncurrent Loans and Leases (90+ DPD or Nonaccrual)		7,853.00	8,224.00	8,326.00	7,847.00	8,087.00	8,411.00	8,543.00	8,506.00	7,830.00	7,986.00	7,239.00
BANA Total Investment Securities		835,065.00	864,213.00	889,828.00	902,165.00	900,014.00	907,704.00	886,098.00	863,957.00	849,966.00	881,435.00	842,091.00
BANA Trading Account Assets		133,102.00	129,653.00	130,212.00	119,717.00	126,147.00	126,097.00	114,329.00	112,377.00	105,408.00	104,959.00	91,535.00
BANA Cash and Balances Due from Depository Institutions		214,606.00	226,409.00	217,128.00	232,923.00	244,293.00	254,852.00	271,902.00	279,852.00	308,640.00	301,246.00	322,796.00
BANA Total Deposits5		2,121,804.00	2,128,004.00	2,101,968.00	2,094,732.00	2,109,261.00	2,071,624.00	2,055,465.00	2,017,820.00	2,018,886.00	2,048,157.00	2,031,779.00
BANA Domestic Office Deposits		1,983,484.00	1,991,308.00	1,961,689.00	1,956,667.00	1,975,044.00	1,942,170.00	1,926,068.00	1,892,511.00	1,901,769.00	1,929,388.00	1,909,516.00
BANA Foreign Office Deposits		138,320.00	136,696.00	140,279.00	138,065.00	134,217.00	129,454.00	129,397.00	125,309.00	117,117.00	118,769.00	122,263.00
BANA Core Deposits		1,855,116.00	1,864,127.00	1,836,995.00	1,827,174.00	1,842,513.00	1,811,544.00	1,793,763.00	1,755,945.00	1,757,911.00	1,802,524.00	1,805,951.00
BANA Estimated FDIC-Insured Deposits		1,164,835.00	1,192,837.00	1,172,090.00	1,162,629.00	1,171,392.00	1,198,245.00	1,186,899.00	1,178,293.00	1,193,114.00	1,207,690.00	1,192,157.00
BANA Total Brokered Deposits		80,767.00	80,892.00	79,906.00	84,222.00	90,009.00	89,503.00	91,730.00	95,612.00	107,411.00	90,310.00	70,857.00
BANA Total Bank Equity Capital		240,789.00	241,710.00	246,250.00	251,567.00	250,540.00	246,924.00	245,482.00	243,688.00	239,356.00	237,333.00	236,206.00
BANA Total Unused Loan Commitments1		1,174,007.00	1,155,117.00	1,152,030.00	1,110,373.00	1,092,421.00	1,073,729.00	1,061,089.00	1,059,799.00	1,036,410.00	1,032,354.00	1,017,342.00
BANA Unused Credit Card Lines		489,427.00	485,759.00	476,926.00	473,644.00	468,571.00	463,812.00	455,269.00	454,383.00	452,638.00	451,123.00	440,328.00
BANA Quarterly / Annual Net Income (Call Report)5		7,530.00	7,417.00	7,844.00	7,986.00	7,417.00	7,133.00	6,923.00	7,057.00	6,807.00	6,410.00	4,591.00
BANA Net Interest Income2		15,313.00	15,071.00	15,408.00	15,061.00	14,817.00	14,523.00	14,659.00	14,507.00	14,192.00	14,674.00	14,613.00
BANA Total Interest Income		24,935.00	24,647.00	25,798.00	26,714.00	26,192.00	25,732.00	27,080.00	27,801.00	27,237.00	26,906.00	26,620.00
BANA Total Interest Expense		9,622.00	9,576.00	10,390.00	11,653.00	11,375.00	11,209.00	12,421.00	13,294.00	13,045.00	12,232.00	12,007.00
BANA Total Noninterest Income		8,236.00	8,145.00	10,534.00	7,001.00	6,833.00	7,587.00	6,144.00	6,264.00	6,310.00	5,959.00	4,421.00
BANA Total Noninterest Expense		12,668.00	12,579.00	11,933.00	11,779.00	11,687.00	12,640.00	11,620.00	11,515.00	11,351.00	12,340.00	13,084.00
BANA Provision for Credit Losses		1,371.00	1,337.00	1,301.00	1,293.00	1,592.00	1,490.00	1,456.00	1,552.00	1,530.00	1,335.00	1,095.00
BANA Loan & Lease Net Charge-Offs		1,412.00	1,410.00	1,287.00	1,368.00	1,524.00	1,453.00	1,466.00	1,538.00	1,533.00	1,499.00	1,196.00
BANA Net Interest Margin (YTD Annualized)		2.53	2.50	2.50	2.48	2.46	2.46	2.50	2.50	2.50	2.54	2.71
BANA Return on Assets (YTD Annualized)		1.13	1.12	1.15	1.14	1.11	1.10	1.06	1.06	1.04	1.01	1.16
BANA Return on Equity (YTD Annualized)		12.31	12.16	12.24	12.09	11.75	11.59	11.31	11.30	11.12	10.83	12.48
BANA Efficiency Ratio (YTD)		53.91	54.10	52.27	54.76	55.50	57.08	56.52	56.77	57.50	59.71	56.54
BANA Basel 3 Capital (Note 16 / Call Report) — CET1 Ratio (Standardized)15		12.10	12.17	12.47	13.03	13.25	13.36	13.46	13.40	13.53	13.50	13.45
BANA CET1 Capital Ratio (Advanced Approaches)		14.80	14.90	15.60	16.30	16.50	16.60	16.90	16.80	16.90	16.90	16.80
BANA Tier 1 Capital Ratio (Standardized)		12.10	12.20	12.50	13.00	13.30	13.40	13.50	13.40	13.50	13.50	13.50
BANA Tier 1 Capital Ratio (Advanced Approaches)		14.80	14.90	15.60	16.30	16.50	16.60	16.90	16.80	16.90	16.90	16.80
BANA Total Capital Ratio (Standardized)		13.10	13.20	13.50	14.10	14.30	14.50	14.50	14.50	14.60	14.60	14.50
BANA Total Capital Ratio (Advanced Approaches)		15.30	15.30	16.00	16.70	17.00	17.10	17.30	17.20	17.40	17.40	17.20
BANA Tier 1 Leverage Ratio		7.11	7.14	7.36	7.54	7.59	7.61	7.63	7.64	7.63	7.61	7.59
BANA Supplementary Leverage Ratio (SLR)		5.90	5.90	6.20	6.30	6.40	6.40	6.40	6.40	6.50	6.50	6.40
BANA CET1 Capital		186,728.00	186,870.00	190,831.00	196,596.00	196,227.00	193,808.00	194,341.00	191,412.00	190,106.00	188,744.00	187,621.00
BANA Tier 1 Capital		186,728.00	186,870.00	190,831.00	196,596.00	196,227.00	193,808.00	194,341.00	191,412.00	190,106.00	188,744.00	187,621.00
BANA Total Regulatory Capital (Standardized)		202,413.00	202,601.00	206,640.00	212,398.00	212,106.00	209,624.00	209,256.00	206,410.00	205,041.00	203,699.00	201,932.00
BANA Total Regulatory Capital (Advanced Approaches)		192,214.00	192,149.00	196,006.00	201,942.00	201,829.00	199,393.00	198,923.00	196,057.00	195,264.00	194,099.00	192,175.00
BANA Risk-Weighted Assets (Standardized)		1,543,623.00	1,535,559.00	1,530,099.00	1,508,741.00	1,480,582.00	1,450,318.00	1,443,806.00	1,428,201.00	1,405,567.00	1,398,085.00	1,394,763.00
BANA Risk-Weighted Assets (Advanced Approaches)		1,259.00	1,253.00	1,227.00	1,207.00	1,188.00	1,165.00	1,151.00	1,137.00	1,124.00	1,118.00	1,114.00
BANA Adjusted Quarterly Average Assets		2,625.00	2,619.00	2,592.00	2,606.00	2,584.00	2,545.00	2,546.00	2,507.00	2,492.00	2,481.00	2,471.00
BANA Supplementary Leverage Exposure		3,161.00	3,148.00	3,101.00	3,104.00	3,063.00	3,020.00	3,015.00	2,974.00	2,944.00	2,926.00	2,910.00
BANA Full-Time Equivalent Employees		133,777	136,056	136,379	135,643	135,643	137,585	137,857	136,723	134,314	137,557	135,461
BANA Domestic Branches		3,598	3,610	3,613	3,626	3,640	3,656	3,675	3,712	3,743	3,752	3,790
BANA Foreign Branches		229	229	229	229	229	229	229	229	229	229	229
U.S. Broker-Dealer Subsidiaries (SEC Rule 15c3-1) — BofA Securities, Inc. (BofAS) Regulatory Net Capital4		21.10	20.40	23.00	18.60	20.20	17.40	21.00	18.90	19.30	20.30	19.40
BofAS Tentative Net Capital		25.80	24.90	28.20	24.00	25.10	20.30	23.60	21.80	22.00	22.60	21.40
BofAS Minimum Required Net Capital		5.40	4.80	5.10	5.10	5.00	4.50	4.50	4.80	4.10	4.30	4.60
Merrill Lynch, Pierce, Fenner & Smith (MLPF&S) Regulatory Net Capital		11.40	11.30	8.10	7.20	7.10	7.40	7.20	6.70	4.20	6.40	5.80
MLPF&S Minimum Required Net Capital		227.00	190.00	175.00	174.00	162.00	158.00	155.00	160.00	158.00	148.00	134.00
Merrill Lynch International (MLI — UK Broker-Dealer & UK Pillar 3 KM1) — Total Capital Resources1		34.30	34.10	33.40	33.40	33.40	33.60	33.80	33.70	33.80	33.80	33.90
MLI Minimum Pillar 1 Capital Requirement		14.00	13.30	13.20	14.00	14.00	12.50	11.00	13.10	12.10	12.80	11.40
BofA Securities Europe SA (BofASE — France Statutory & EU Pillar 3 KM1) — Total Assets2
BofASE Total Capital Resources (USD, SEC 10-Q/10-K)		11.60	11.70	11.80	12.40	12.30	11.30	10.90	10.20	9.80	9.90	9.60
BofASE Minimum Pillar 1 Requirement (USD, SEC 10-Q/10-K)		4.40	4.10	4.00	3.80	4.10	3.60	3.30	3.40	3.50	3.80	3.60

U.S. Commercial Banks — Delinquency Rate on All Loans8		1.38	1.46	1.50	1.44	1.44	1.53	1.55	1.49	1.43	1.43	1.42
U.S. Commercial Banks — Credit Card Loans Delinquency Rate		2.85	2.91	2.95	2.99	3.04	3.05	3.08	3.20	3.22	3.17	3.10
U.S. Commercial Banks — Commercial Real Estate (CRE) Delinquency Rate		1.53	1.56	1.58	1.57	1.57	1.57	1.56	1.51	1.42	1.21	1.16
U.S. Commercial Banks — Single-Family Residential Mortgage Delinquency Rate		1.86	1.88	1.79	1.78	1.78	1.77	1.77	1.74	1.73	1.71	1.70
U.S. Commercial Banks — Business (C&I) Loans Delinquency Rate		1.27	1.33	1.34	1.33	1.29	1.28	1.27	1.18	1.15	1.11	1.02
U.S. Commercial Banks — Net Charge-Off Rate on All Loans		0.55	0.57	0.61	0.59	0.60	0.64	0.68	0.64	0.65	0.63	0.63
U.S. Commercial Banks — Credit Card Net Charge-Off Rate		3.82	3.82	4.09	4.18	4.19	4.44	4.57	4.69	4.56	4.40	4.18
Fed SLOOS — Net % of Domestic Banks Tightening C&I Loans to Large/Middle-Market Firms	0.00	8.10	5.30	6.50	9.50	18.50	6.20	0.00	7.90	15.60	14.50	33.90
Fed SLOOS — Net % of Domestic Banks Tightening Credit Card Loans	6.70	2.00	0.00	4.20	10.40	5.60	9.40	18.40	20.00	21.20	22.90	28.90

Operating Segments (DB `segment_values` + Supplemental) — Consumer Banking Net Income7	3,521.00	3,281.00	3,060.00	3,304.00	3,437.00	2,973.00	2,531.00	2,821.00	2,687.00	2,595.00	2,656.00	2,768.00
Global Wealth & Investment Management (GWIM) Net Income	1,540.00	1,413.00	1,329.00	1,405.00	1,265.00	993.00	1,007.00	1,171.00	1,061.00	1,026.00	1,005.00	1,019.00
Global Banking Net Income	1,990.00	2,046.00	2,087.00	2,086.00	2,085.00	1,698.00	1,924.00	2,143.00	1,765.00	2,056.00	2,020.00	2,472.00
Global Markets Net Income	1,235.00	2,626.00	2,007.00	984.00	1,648.00	1,529.00	1,950.00	939.00	1,548.00	1,411.00	1,724.00	636.00
Consumer Banking Total Assets (DB + Supplemental)	1,034,324.00	1,039,051.00	1,058,618.00	1,039,346.00	1,032,826.00	1,037,407.00	1,054,637.00	1,034,370.00	1,026,293.00	1,033,960.00	1,060,482.00	1,049,830.00
GWIM Total Assets (DB + Supplemental)	328,816.00	327,667.00	336,511.00	335,495.00	325,605.00	320,820.00	329,816.00	338,367.00	328,831.00	324,476.00	343,718.00	344,626.00
Global Banking Total Assets (DB + Supplemental)	784,081.00	761,395.00	745,299.00	734,710.00	737,640.00	739,214.00	687,169.00	670,505.00	650,558.00	619,798.00	623,023.00	621,751.00
Global Markets Total Assets (DB + Supplemental)	1,052,335.00	1,106,999.00	1,091,745.00	1,032,858.00	997,908.00	1,017,594.00	959,477.00	876,548.00	958,172.00	887,108.00	902,686.00	817,588.00
Consolidated Income Statement (GAAP) — Total Revenue, Net of Interest Expense12	29,958.00	31,558.00	30,272.00	28,367.00	29,040.00	27,443.00	28,247.00	26,475.00	26,213.00	26,305.00	26,863.00	21,959.00
Total Revenue, Net of Interest Expense — FTE Basis	30,119.00	31,721.00	30,434.00	28,532.00	29,194.00	27,588.00	28,392.00	26,629.00	26,360.00	26,465.00	27,021.00	22,104.00
Net Interest Income — GAAP2	16,449.00	15,997.00	15,745.00	15,750.00	15,233.00	14,670.00	14,443.00	14,359.00	13,967.00	13,702.00	14,032.00	13,946.00
Total Interest Income — GAAP5	34,257.00	33,832.00	33,359.00	34,261.00	35,366.00	34,873.00	34,066.00	35,977.00	37,491.00	36,854.00	36,285.00	35,629.00
Interest and Fees on Loans and Leases (GAAP)	16,487.00	15,863.00	15,483.00	16,015.00	16,191.00	15,651.00	15,223.00	15,690.00	15,725.00	15,338.00	15,240.00	15,227.00
Interest on Debt Securities (GAAP)	5,942.00	6,032.00	6,291.00	6,755.00	6,958.00	6,913.00	6,767.00	6,712.00	6,833.00	6,325.00	6,137.00	5,417.00
Federal Funds Sold and Securities Resell Agreements (GAAP)	4,214.00	4,185.00	3,857.00	3,763.00	3,802.00	4,094.00	3,774.00	4,381.00	5,196.00	5,159.00	5,175.00	5,124.00
Trading Account Assets Interest Income (GAAP)	3,156.00	3,063.00	3,198.00	2,979.00	3,195.00	3,057.00	3,008.00	2,679.00	2,726.00	2,516.00	2,455.00	2,452.00
Other Interest Income (GAAP)	4,458.00	4,689.00	4,530.00	4,749.00	5,220.00	5,158.00	5,294.00	6,515.00	7,011.00	7,516.00	7,278.00	7,409.00
Total Interest Expense — GAAP4	17,808.00	17,835.00	17,614.00	18,511.00	20,133.00	20,203.00	19,623.00	21,618.00	23,524.00	23,152.00	22,253.00	21,683.00
Interest Expense on Deposits (GAAP)	7,605.00	7,372.00	7,301.00	8,268.00	8,932.00	8,681.00	8,632.00	9,524.00	10,125.00	9,655.00	9,138.00	8,724.00
Interest Expense on Short-Term Borrowings (GAAP)	6,331.00	6,607.00	6,510.00	6,472.00	7,172.00	7,435.00	6,963.00	7,993.00	8,940.00	9,070.00	8,535.00	8,389.00
Interest Expense on Trading Account Liabilities (GAAP)	797.00	756.00	745.00	602.00	672.00	676.00	707.00	567.00	538.00	540.00	546.00	557.00
Interest Expense on Long-Term Debt (GAAP)	3,075.00	3,100.00	3,058.00	3,169.00	3,357.00	3,411.00	3,321.00	3,534.00	3,921.00	3,887.00	4,034.00	4,013.00
Total Noninterest Income — GAAP	13,509.00	15,561.00	14,527.00	12,617.00	13,807.00	12,773.00	13,804.00	12,116.00	12,246.00	12,603.00	12,831.00	8,013.00
Total Noninterest Expense — GAAP	19,722.00	18,627.00	18,531.00	17,437.00	17,337.00	17,183.00	17,770.00	16,787.00	16,479.00	16,309.00	17,237.00	17,731.00
Pretax, Pre-Provision Income (PTPI)	10,236.00	12,931.00	11,741.00	10,930.00	11,703.00	10,260.00	10,477.00	9,688.00	9,734.00	9,996.00	9,626.00	4,228.00
Provision for Credit Losses — GAAP	1,269.00	1,366.00	1,337.00	1,308.00	1,295.00	1,592.00	1,480.00	1,452.00	1,542.00	1,508.00	1,319.00	1,104.00
Income Before Income Taxes — GAAP	8,967.00	11,565.00	10,404.00	9,622.00	10,408.00	8,668.00	8,997.00	8,236.00	8,192.00	8,488.00	8,307.00	3,124.00
Income Tax Expense — GAAP	2,034.00	2,491.00	1,820.00	1,975.00	2,076.00	1,498.00	1,637.00	1,430.00	1,481.00	1,685.00	1,654.00	4,378.00
Consolidated Net Income — GAAP2	6,933.00	9,074.00	8,584.00	7,647.00	8,332.00	7,170.00	7,360.00	6,806.00	6,711.00	6,803.00	6,653.00	3,144.00
Preferred Stock Dividends	392.00	326.00	429.00	328.00	429.00	291.00	406.00	266.00	516.00	315.00	532.00	306.00
Net Income Applicable to Common Shareholders	6,541.00	8,748.00	8,155.00	7,319.00	7,903.00	6,879.00	6,954.00	6,540.00	6,195.00	6,488.00	6,121.00	2,838.00
Diluted Earnings per Common Share (EPS)	0.91	1.21	1.11	0.98	1.04	0.90	0.89	0.83	0.78	0.82	0.76	0.35
Basic Earnings per Common Share (EPS)	0.93	1.22	1.12	0.99	1.06	0.91	0.91	0.85	0.79	0.82	0.77	0.36
Regular Cash Dividends Paid per Common Share	0.32	0.28	0.28	0.28	0.28	0.26	0.26	0.26	0.26	0.24	0.24	0.24
Consolidated Balance Sheet & Cash Flows — Total Assets (EOP)18	3,427,704.00	3,499,191.00	3,496,186.00	3,411,738.00	3,403,149.00	3,440,798.00	3,349,039.00	3,261,299.00	3,324,293.00	3,257,996.00	3,273,803.00	3,180,515.00
Cash and Cash Equivalents (EOP)	249,643.00	229,745.00	242,479.00	231,845.00	246,507.00	266,011.00	273,579.00	290,114.00	295,589.00	320,632.00	313,404.00	333,073.00
Federal Funds Sold and Securities Borrowed/Purchased under Agreements to Resell (EOP)	347,125.00	412,415.00	383,264.00	316,578.00	325,800.00	352,392.00	328,365.00	274,709.00	337,706.00	337,752.00	316,093.00	280,624.00
Trading Account Assets (EOP)	332,475.00	358,748.00	364,221.00	366,954.00	335,566.00	356,584.00	339,614.00	314,460.00	342,135.00	306,466.00	318,364.00	277,354.00
Derivative Assets (EOP)	53,148.00	45,336.00	48,315.00	40,881.00	42,115.00	42,711.00	36,206.00	40,948.00	34,182.00	35,956.00	36,236.00	39,323.00
Total Debt Securities (EOP)2	842,034.00	869,218.00	901,127.00	925,635.00	936,050.00	930,216.00	939,279.00	917,284.00	892,989.00	878,417.00	909,982.00	871,407.00
Debt Securities Carried at Fair Value (AFS + Other, EOP)	345,636.00	363,419.00	386,389.00	402,975.00	404,636.00	388,930.00	388,559.00	358,607.00	325,436.00	301,051.00	323,119.00	276,852.00
Held-to-Maturity (HTM) Debt Securities at Amortized Cost (EOP)	496,398.00	505,799.00	514,738.00	522,660.00	531,414.00	541,286.00	550,720.00
Total Loans and Leases (EOP)	1,251,260.00	1,217,619.00	1,205,035.00	1,185,700.00	1,165,900.00	1,147,056.00	1,110,625.00	1,095,835.00	1,075,800.00	1,056,785.00	1,049,156.00	1,053,732.00
Allowance for Loan and Lease Losses (EOP)	-13,005.00	-13,114.00	-13,148.00	-13,203.00	-13,252.00	-13,291.00	-13,256.00	-13,240.00	-13,251.00	-13,238.00	-13,213.00	-13,342.00
All Other Assets of Consolidated VIEs (EOP)	25,160.00	25,639.00	23,966.00	24,852.00	23,795.00	24,001.00	23,804.00	24,119.00	24,902.00	24,838.00	24,424.00	23,773.00
Goodwill (EOP)		69,021.00	69,021.00	69,021.00	69,021.00	69,021.00	69,021.00	69,021.00	69,021.00	69,021.00	69,021.00	69,021.00
Intangible Assets (EOP)		1,800.00	1,800.00	1,800.00	1,900.00	1,900.00	1,900.00	2,000.00	1,900.00	2,000.00	2,000.00	2,000.00
Premises and Equipment, Net (EOP)		12,788.00	12,539.00	12,516.00	12,348.00	12,254.00	12,151.00	12,168.00	12,033.00	11,917.00	11,901.00	11,855.00
Operating Lease Right-of-Use Assets (EOP)		11,202.00	10,773.00	8,395.00	8,286.00	8,240.00	8,583.00	8,527.00	8,614.00	8,707.00	8,988.00	9,150.00
Total Liabilities (EOP)8	3,130,955.00	3,198,097.00	3,195,518.00	3,108,495.00	3,100,712.00	3,142,777.00	3,055,090.00	2,967,336.00	3,027,781.00	2,964,104.00	2,980,251.00	2,890,306.00
Total Deposits (EOP)4	2,038,758.00	2,025,124.00	2,037,663.00	2,018,729.00	2,002,208.00	2,011,613.00	1,989,564.00	1,965,467.00	1,930,352.00	1,910,491.00	1,946,496.00	1,923,827.00
U.S. Noninterest-Bearing Deposits (EOP)	534,129.00	529,985.00	529,194.00	517,834.00	510,208.00	514,530.00	513,905.00	507,561.00	498,263.00	503,037.00	524,982.00	530,619.00
U.S. Interest-Bearing Deposits (EOP)	1,357,525.00	1,357,513.00	1,372,969.00	1,361,177.00	1,354,445.00	1,363,483.00	1,346,423.00	1,329,014.00	1,308,856.00	1,291,853.00	1,304,508.00	1,273,904.00
Non-U.S. Noninterest-Bearing Deposits (EOP)	14,545.00	14,358.00	14,924.00	14,216.00	14,690.00	14,440.00	16,105.00	16,297.00	15,457.00	14,573.00	16,502.00	16,427.00
Non-U.S. Interest-Bearing Deposits (EOP)	132,559.00	123,268.00	120,576.00	125,502.00	122,865.00	119,160.00	113,131.00	112,595.00	107,776.00	101,028.00	100,504.00	102,877.00
Federal Funds Purchased and Securities Loaned/Sold under Agreements to Repurchase (EOP)	315,418.00	332,218.00	353,020.00	344,716.00	342,588.00	399,460.00	376,070.00	331,758.00	397,958.00	368,106.00	329,658.00	283,887.00
Trading Account Liabilities (EOP)	109,805.00	123,162.00	129,833.00	105,996.00	117,322.00	107,426.00	105,470.00	92,543.00	98,316.00	100,345.00	114,326.00	95,530.00
Derivative Liabilities (EOP)	49,246.00	42,577.00	43,938.00	42,076.00	40,157.00	41,693.00	35,365.00	39,353.00	43,131.00	40,508.00	40,401.00	43,432.00
Short-Term Borrowings (EOP)	62,230.00	59,979.00	57,630.00	48,088.00	54,200.00	47,891.00	41,470.00	43,391.00	38,440.00	40,429.00	38,895.00	32,098.00
Long-Term Debt (EOP)	318,687.00	339,863.00	325,964.00	317,816.00	311,484.00	313,418.00	304,146.00	283,279.00	296,927.00	290,474.00	296,346.00	302,204.00
All Other Liabilities of Consolidated VIEs (EOP)	14,634.00	14,539.00	12,743.00	12,644.00	13,422.00	13,221.00	12,687.00	11,807.00	12,437.00	12,502.00	11,562.00	11,432.00
Operating Lease Liabilities (EOP)		11,926.00	11,471.00	9,086.00	8,955.00	8,892.00	9,196.00	9,135.00	9,247.00	9,310.00	9,592.00	9,782.00
Total Shareholders' Equity (EOP)2	296,749.00	301,094.00	300,668.00	303,243.00	302,437.00	298,021.00	293,949.00	293,963.00	296,512.00	293,892.00	293,552.00	290,209.00
Retained Earnings (EOP)		274,520.00	267,765.00	261,693.00	258,141.00	252,180.00	247,315.00	240,753.00	237,954.00	233,597.00	228,902.00	224,672.00
Accumulated Other Comprehensive Income / (Loss) (EOP)		-12,033.00	-10,978.00	-10,526.00	-11,745.00	-12,504.00	-13,271.00	-15,285.00	-14,334.00	-17,629.00	-18,057.00	-17,788.00
Operating Cash Flow3		29,043.00	41,770.00	-22,945.00	46,874.00	-9,132.00	-2,184.00	25,914.00	-37,276.00	18,096.00	-15,539.00	32,724.00
Stock-Based Compensation		1,118.00	1,032.00	969.00	1,018.00	1,015.00	999.00	891.00	832.00	845.00	865.00	728.00
Depreciation and Amortization		612.00	605.00	594.00	584.00	571.00	565.00	559.00	549.00	543.00	538.00	527.00
Deferred Income Taxes		511.00	101.00	550.00	-206.00	-9.00	-40.00	101.00	-345.00	-371.00	-512.00	428.00
Investing Cash Flow		-16,757.00	-66,451.00	-1,172.00	1,943.00	-56,918.00	-89,010.00	9,410.00	-27,258.00	-1,523.00	-71,322.00	-64,183.00
Financing Cash Flow3		-24,731.00	35,915.00	10,047.00	-67,990.00	55,059.00	72,832.00	-36,768.00	36,779.00	-8,300.00	68,658.00	11,291.00
Proceeds from Issuance of Long-Term Debt		41,846.00	35,520.00	24,012.00	18,929.00	23,286.00	33,640.00	14,090.00	12,220.00	14,711.00	15,662.00	12,441.00
Retirement / Repayment of Long-Term Debt		27,223.00	24,777.00	18,138.00	21,929.00	19,631.00	16,333.00	17,700.00	16,569.00	19,535.00	16,607.00	12,404.00
Common Stock Repurchased (Cash Flow Statement)		6,006.00	7,240.00	6,310.00	5,300.00	5,302.00	4,521.00	3,535.00	3,534.00	3,535.00	2,500.00	811.00
Net Change in Cash and Cash Equivalents		-12,734.00	10,634.00	-14,662.00	-19,504.00	-7,568.00	-16,535.00	-5,475.00	-25,043.00	7,228.00	-19,669.00	-18,653.00

Italic numbers are calculated by StockData from reported figures (hover for the formula). Numbers with a dotted underline are read from the text of earnings releases and presentations; hover to see the exact sentence. Tick a row to add it to the chart above (up to 8 lines).

Methodology and excluded metrics

Bank of America Corporation's latest reported quarter is Q3 2026 (ended September 30, 2026, Form 8-K Earnings Release, Presentation & Supplemental Information Package filed October 14, 2026). Series sourced exclusively from Form 10-Q footnotes (Note 12 off-balance sheet commitments, Note 16 BANA & broker-dealer capital, Part II Item 2 monthly share repurchases), Basel 3 Pillar 3 LCR/NSFR disclosures, and FFIEC 031 Call Reports run through Q2 2026 (June 30, 2026), their latest published filing date.
Core banking metrics (Consolidated Average Balance Sheet, FTE interest income/expense and annualized yields/rates across all earning asset and interest-bearing liability categories, Net Interest Yield / NIM, Basel 3 Standardized and Advanced capital ratios and RWA, SLR, and TCE/BVPS) and segment operational KPIs across Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, Global Markets, and All Other are extracted from 33 SEC Form 8-K Exhibit 99.3 Supplemental Information Packages (4Q16–3Q26), the January 6, 2026 Form 8-K tax-related equity investment reclassification supplement, and Form 10-K Table 8 (FY2020–FY2025), covering 44 consecutive quarters (FY2015Q4–FY2026Q3).
Digital banking and client engagement metrics (50.4M active digital users, 42.6M active mobile users, 25.7M active Zelle users, 500M quarterly Zelle transactions / $164B volume, 24.2M active Erica users, 38.9M consumer checking accounts with 92% primary, 17.6M Preferred/BofA Rewards clients, Merrill & Private Bank digital adoption, CashPro mobile sign-ins & payment approvals, and Global Markets 99% VaR) are extracted from 23 Quarterly Earnings Releases (1Q21–3Q26) and Supplemental packages.
Monthly credit card securitization metrics (ending/beginning/average principal and finance charge receivables, Series 2001-D annualized gross/net portfolio yield, base rate, monthly and 3-month average excess spread, principal payment rate, annualized gross/net charge-off rates, average net loss per defaulted account, 30–180+ day delinquency buckets, investor/transferor interest, and Class A/B/C notes) are extracted from 57 consecutive monthly SEC Form 10-D filings by BA Credit Card Trust / BA Master Credit Card Trust II (CIK 0001128250) from January 2022 through September 2026.
Self-reported subsidiary disclosures cover six principal operating subsidiaries: (1) lead U.S. national bank Bank of America, National Association (BANA, FDIC Cert #3510) quarterly FFIEC 031 Call Reports (FY2011Q3–FY2026Q2) and SEC Note 16 Basel 3 capital; (2) U.S. institutional broker-dealer BofA Securities, Inc. (BofAS) and (3) retail wealth broker-dealer Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) SEC Rule 15c3-1 net capital (FY2020–FY2026Q2); (4) EU bank Bank of America Europe DAC (Ireland) statutory financials and EU Pillar 3 KM1 metrics (FY2020–FY2025); (5) UK broker-dealer Merrill Lynch International (MLI) SEC capital and UK Pillar 3 KM1 metrics (FY2020–FY2026Q2); (6) French investment firm BofA Securities Europe SA (BofASE) statutory financials and EU Pillar 3 KM1 metrics (FY2020–FY2026Q2); and (7) Dutch issuance vehicle Merrill Lynch B.V. audited IFRS financials (FY2020–FY2025).
Parent Company Information in Form 10-K Note 25 represents a non-operating bank holding company (Bank of America Corporation parent only) whose income consists primarily of intercompany dividends from Bank of America, N.A. and nonbank subsidiaries; under Step 3 rules, consolidated − standalone parent subtraction is not applicable.
All numbers are as published by Bank of America Corporation, its subsidiaries, or the external regulatory/statistical agency (FDIC/FFIEC, SEC EDGAR, Federal Reserve). The only calculated cells are Q4 = full year (10-K) − nine months (10-Q) and cash flow statement quarterly splits from cumulative YTD figures in PostgreSQL DB rows (displayed with the derivation formula).

Not shown because recent periods are missing (5)

Digital Banking, Zelle, Erica, CashPro & Client Network Scale (Tier 1 Core) › Total Consumer Checking Accounts › Small Business Checking Accounts
Asset Quality — Nonperforming Loans (NPL/NPA), Delinquencies (30+/90+ DPD), Net Charge-Offs & Allowance (ACL) › Total Net Charge-Offs (NCOs) › Total Consumer Net Charge-Offs › Residential Mortgage NCO Ratio
Asset Quality — Nonperforming Loans (NPL/NPA), Delinquencies (30+/90+ DPD), Net Charge-Offs & Allowance (ACL) › Total Net Charge-Offs (NCOs) › By Segment: Consumer Banking Net Charge-Offs › Global Markets NCO Ratio
BA Credit Card Trust / BA Master Credit Card Trust II — Monthly Securitization Performance (Form 10-D) › Trust Total Delinquency Rate (30+ Days Past Due) › Trust 60+ Days Delinquency Rate
BA Credit Card Trust / BA Master Credit Card Trust II — Monthly Securitization Performance (Form 10-D) › Trust Total Delinquency Rate (30+ Days Past Due) › Trust 60+ Days Delinquency Rate (3-Month Rolling Average)

Data updated 2026-10-26.

Every KPI on its own page

Full history, chart, sources and a citation for each metric

Bank of America Corp (BAC) operating KPIs

KPIs

Every KPI on its own page

Digital Banking, Zelle, Erica, CashPro & Client Network Scale (Tier 1 Core)

Net Interest Income (NII), Net Interest Yield (NIM) & Average Balance Sheet Yields/Rates (Tier 1 Core)

Consumer Banking — Deposits by Product, Credit/Debit Cards, Consumer Investments & Mortgage Originations (Tier 1 Core)

Global Wealth & Investment Management (GWIM — Merrill Wealth Management & Private Bank, Tier 1 Core)

Global Banking — Investment Banking Fees, Business Lending & Global Transaction Services (Tier 1 Core)

Global Markets — Sales & Trading Revenue (FICC & Equities, Reported & ex-DVA), Trading Assets & VaR (Tier 1 Core)

All Other Segment & Consolidated Fee / Noninterest Expense Breakdown

Consolidated Loans by Product & Commercial Credit Exposure Across 28 Industries

Asset Quality — Nonperforming Loans (NPL/NPA), Delinquencies (30+/90+ DPD), Net Charge-Offs & Allowance (ACL)

Basel 3 Regulatory Capital (Standardized & Advanced), RWA, Leverage, Book Value & Returns

Liquidity (GLS, Pillar 3 LCR & NSFR), Debt Securities (AFS/HTM), Uninsured Deposits & Off-Balance Sheet Commitments

Monthly Common Share Repurchases, Executive Pay vs Performance (DEF 14A) & Facilities

BA Credit Card Trust / BA Master Credit Card Trust II — Monthly Securitization Performance (Form 10-D)

Principal Operating Subsidiaries — Self-Reported Financials & Regulatory Capital (BANA, BofAS, MLPF&S, Europe & UK)

U.S. Commercial Banking Industry Benchmarks & Interest Rate Environment (Federal Reserve H.8, H.15, Call Reports & SLOOS)

Consolidated Financial Statements & Segment / Geographic Context (PostgreSQL DB + Supplemental)