[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Wall St Engine [@wallstengine](/creator/twitter/wallstengine) on x 73.6K followers Created: 2025-07-16 10:51:49 UTC $BAC | Bank of America Q2'25 Earnings Highlights 🔹 Revenue: $26.5B (Est. $26.6B) 🟡; +4% YoY 🔹 EPS: $XXXX (Est. $0.85) 🟢; +7% YoY 🔹 NII: $14.67B (Est. $14.59B) 🟢; +7% YoY Guidance: 🔸 Expects to deliver operating leverage in H2 2025 🔸 Reaffirmed Q4 Net Interest Income outlook: $15.5B–$15.7B Consumer Banking 🔹 Revenue: $10.8B; UP +6% YoY 🔹 Net Income: $3.0B 🔹 Average Loans: $319B; UP +2% YoY 🔹 Credit/Debit Card Spend: $244B; UP +4% YoY 🔹 Consumer Investment Assets: $540B; UP +13% YoY Global Wealth & Investment Management (GWIM) 🔹 Revenue: $5.94B (Est. $5.96B)🟡; UP +7% YoY 🔹 Net Income: $1.0B 🔹 Asset Management Fees: $3.6B; UP +9% YoY 🔹 Client Balances: $4.4T; UP +10% YoY 🔹 AUM: $2.0T; UP +13% YoY Global Banking 🔹 Revenue: $5.69B; DOWN -X% YoY 🔹 Net Income: $1.7B 🔹 Investment Banking Fees: $1.43B (Est. $1.27B) 🟢 🔹 Average Deposits: $603B; UP +15% YoY Global Markets 🔹 Trading Revenue (ex-DVA): $5.38B (Est. $4.94B) 🟢; +15% YoY 🔹 FICC (ex-DVA): $3.25B (Est. $2.96B) 🟢; +19% YoY 🔹 Equities (ex-DVA): $2.13B (Est. $2.06B) 🟢; +10% YoY 🔹 Net Income: $1.5B 🔹 Total Revenue: $6.0B; UP +10% YoY Other Metrics 🔹 Loans $1.15T, (Est. $1.12T) 🟡 🔹 Total deposits $2.01T, (Est. $1.99T) 🟡 🔹 Net Interest Income (FTE): $14.82B (Est. $14.84B) 🟡 🔹 CET1 Ratio (Standardized): XXXX% (Est. 11.7%) 🔴 🔹 Net Income: $7.1B; UP +3% YoY 🔹 Provision for Credit Losses: $1.59B; UP from $1.48B QoQ 🔹 Net Charge-Offs: $1.53B; Flat QoQ 🔹 Noninterest Expense: $17.2B; UP +5% YoY 🔹 Book Value/Share: $37.13; UP +8% YoY 🔹 Tangible Book Value/Share: $27.71; UP +9% YoY 🔹 ROE: 10.0%; ROTCE: XXXX% 🔹 Returned $7.3B to shareholders; includes $5.3B in buybacks CEO Commentary 🔸 “We delivered another solid quarter, with earnings per share up X% from last year.” 🔸 “Consumers remained resilient, with healthy spending and asset quality.” 🔸 “We saw good momentum in our markets businesses.” 🔸 “Returned XX% more capital to shareholders YTD vs. last year.” XXXXX engagements  **Related Topics** [bac](/topic/bac) [$319b](/topic/$319b) [$30b](/topic/$30b) [$108b](/topic/$108b) [banking](/topic/banking) [$157b](/topic/$157b) [$155b](/topic/$155b) [h2](/topic/h2) [Post Link](https://x.com/wallstengine/status/1945436200560689398)
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Wall St Engine @wallstengine on x 73.6K followers
Created: 2025-07-16 10:51:49 UTC
$BAC | Bank of America Q2'25 Earnings Highlights
🔹 Revenue: $26.5B (Est. $26.6B) 🟡; +4% YoY 🔹 EPS: $XXXX (Est. $0.85) 🟢; +7% YoY 🔹 NII: $14.67B (Est. $14.59B) 🟢; +7% YoY
Guidance: 🔸 Expects to deliver operating leverage in H2 2025 🔸 Reaffirmed Q4 Net Interest Income outlook: $15.5B–$15.7B
Consumer Banking 🔹 Revenue: $10.8B; UP +6% YoY 🔹 Net Income: $3.0B 🔹 Average Loans: $319B; UP +2% YoY 🔹 Credit/Debit Card Spend: $244B; UP +4% YoY 🔹 Consumer Investment Assets: $540B; UP +13% YoY
Global Wealth & Investment Management (GWIM) 🔹 Revenue: $5.94B (Est. $5.96B)🟡; UP +7% YoY 🔹 Net Income: $1.0B 🔹 Asset Management Fees: $3.6B; UP +9% YoY 🔹 Client Balances: $4.4T; UP +10% YoY 🔹 AUM: $2.0T; UP +13% YoY
Global Banking 🔹 Revenue: $5.69B; DOWN -X% YoY 🔹 Net Income: $1.7B 🔹 Investment Banking Fees: $1.43B (Est. $1.27B) 🟢 🔹 Average Deposits: $603B; UP +15% YoY
Global Markets 🔹 Trading Revenue (ex-DVA): $5.38B (Est. $4.94B) 🟢; +15% YoY 🔹 FICC (ex-DVA): $3.25B (Est. $2.96B) 🟢; +19% YoY 🔹 Equities (ex-DVA): $2.13B (Est. $2.06B) 🟢; +10% YoY 🔹 Net Income: $1.5B 🔹 Total Revenue: $6.0B; UP +10% YoY
Other Metrics 🔹 Loans $1.15T, (Est. $1.12T) 🟡 🔹 Total deposits $2.01T, (Est. $1.99T) 🟡 🔹 Net Interest Income (FTE): $14.82B (Est. $14.84B) 🟡 🔹 CET1 Ratio (Standardized): XXXX% (Est. 11.7%) 🔴 🔹 Net Income: $7.1B; UP +3% YoY 🔹 Provision for Credit Losses: $1.59B; UP from $1.48B QoQ 🔹 Net Charge-Offs: $1.53B; Flat QoQ 🔹 Noninterest Expense: $17.2B; UP +5% YoY 🔹 Book Value/Share: $37.13; UP +8% YoY 🔹 Tangible Book Value/Share: $27.71; UP +9% YoY 🔹 ROE: 10.0%; ROTCE: XXXX% 🔹 Returned $7.3B to shareholders; includes $5.3B in buybacks
CEO Commentary 🔸 “We delivered another solid quarter, with earnings per share up X% from last year.” 🔸 “Consumers remained resilient, with healthy spending and asset quality.” 🔸 “We saw good momentum in our markets businesses.” 🔸 “Returned XX% more capital to shareholders YTD vs. last year.”
XXXXX engagements
