Bank of America (BAC): FY25 Q3 earnings call, Oct 15, 2025
On its Oct 15, 2025 earnings call (FY25 Q3), Bank of America said 12 of the 14 words Kalshi listed; Parrot’s count agreed with all 14 settlements. Quotes below are at most 25 words each, with timed clips.
UpdatedMarkets
14 words · 12 settled yes · our count agreed on 14 of 14- Kalshi: company speakers + operator
Kalshi
backtest The probabilities on settled rows are a walk-forward backtest: the model as of before each event, computed after Parrot went live; they were not published at the time.
| Word | Result | Our count | All speakers | Agrees | Probability | Clip | Market |
|---|---|---|---|---|---|---|---|
| Trading | Yes | 12 | 13 | ✓ | 91%transcripts from the transcript model | Hear it 2:47, Trading | – |
| Wealth | Yes | 11 | 12 | ✓ | 93%transcripts from the transcript model | Hear it 2:01, Wealth | – |
| Efficiency | Yes | 11 | 14 | ✓ | 85%transcripts from the transcript model | Hear it 2:19, Efficiency | – |
| Loan Growth | Yes | 8 | 11 | ✓ | 92%transcripts from the transcript model | Hear it 3:57, Loan Growth | – |
| Digital | Yes | 8 | 8 | ✓ | 91%transcripts from the transcript model | Hear it 4:38, Digital | – |
| Consecutive | Yes | 5 | 5 | ✓ | 80%transcripts from the transcript model | Hear it 2:49, Consecutive | – |
| Commercial Real Estate | Yes | 4 | 4 | ✓ | 81%transcripts from the transcript model | Hear it 7:02, Commercial Real Estate | – |
| Momentum | Yes | 3 | 3 | ✓ | 73%transcripts from the transcript model | Hear it 1:36, Momentum | – |
| Margin | Yes | 3 | 5 | ✓ | 59%transcripts from the transcript model | Hear it 24:13, Margin | – |
| Dividend | Yes | 2 | 2 | ✓ | 84%transcripts from the transcript model | Hear it 2:28, Dividend | – |
| Tariff | Yes | 2 | 2 | ✓ | 62%transcripts from the transcript model | Hear it 17:09, Tariff | – |
| Guidance | Yes | 1 | 2 | ✓ | 86%transcripts from the transcript model | Hear it 47:28, Guidance | – |
| Buyback | No | 0 | 0 | ✓ | 73%transcripts from the transcript model | – | |
| Recession | No | 0 | 0 | ✓ | 69%transcripts from the transcript model | – |
Market prices are mid quotes from Kalshi and Polymarket, shown for context, may be delayed by several minutes and are not a signal. Quotes as of Oct 20, 2026 15:46 UTC.
Transcript
quotes of at most 25 wordsSpeaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.
2 matches for “Delinquency”; 2 quoted, at least 25 words apart.
…not expect much change in total net charge-offs given the steady consumer delinquency trends, stability of CNI and reductions in CRE exposures. On slide 12.…
…net charge-offs improved on a linked quarter basis. Following a decline in delinquencies. The largest component of consumer losses is credit card, and our loss…
Where the listed words were said
…$2 billion, up 43% year over year. Our team in sales and trading grew revenue 8%, marking our 14th consecutive quarter of year over year…
…only in lending and deposits, but also across the markets, businesses and wealth management, global markets and global banking. Before I turn it over to,…
…We drove operating leverage of 560 basis points in the quarter. The efficiency ratio fell below 62%. The return on assets reached 98 basis points.…
…assets, lending in this business was particularly strong, with $12 billion in loan growth in this quarter. GWIM also opened another 32,000 banking accounts and…
…This quarter, I also, as usual, commend you to look at the digital slides in the appendix on slides 20, 22 and 24. They show…
…We grew another 212,000 net new checking accounts, extending our string of consecutive growth to 27 quarters. This includes the fourth consecutive quarter of increased…
…modest reserve release as a result of both credit card and commercial real estate improvement. The strong asset quality reflects the continued strength of our…
…operating leverage. Our ROTC improved to 15.4%. This quarter's results provide good momentum as we finish 2025 and head into 2026. We have been demonstrating…
…300 basis points of operating leverage, which contributed to a 27% pre-tax margin, an improvement of over 200 basis points to. Merrill and the private…
…$7.4 billion of capital back to shareholders, with $2.1 billion in common dividends paid and $5.3 billion of shares repurchased. Tangible book value per share…
…the second half of 2025. Despite all the uncertainties we've experienced around tariffs and rates, we've seen good performance against our expectations. And even with…
…activity growth. So we feel good about it. We'll give you more guidance. But at the end of the day, it'll be a result of,…
Agents: this page as TSV at /api/v1/appearances/bank-of-america:2025-10-15:earnings_call · words: /api/v1/brief?appearance=bank-of-america:2025-10-15:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP