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.
18 matches for “Leverage”; 5 quoted, at least 25 words apart.
…top line revenue and bottom line EPS, all driven by strong operating leverage. Our ROTC improved to 15.4%. This quarter's results provide good momentum as…
…year. EPS was $1.06, up 31% year over year. We drove operating leverage of 560 basis points in the quarter. The efficiency ratio fell below…
…earnings, up 28% year over year, with 600 basis points of operating leverage. This reflects strong revenue growth and disciplined expense management. This business is…
…significantly outpacing 5% expense growth and resulting in that strong 6% operating leverage. Of the $28.2 billion in total revenue and aggregated amount of $11.3…
…This is well above our October 1st 10% regulatory minimum. Our supplemental leverage ratio was 5.8% versus a minimum requirement of 5%, which leaves capacity…
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…
…to anyone in the industry. That is a winning combination. Our global wealth and management teams posted net income of nearly $1.3 billion, up 19%.…
…2000 plus college grads. And it's this disciplined approach that supports both efficiency and growth. So let's now move to credit and turn to slide…
…$3.4 trillion. That's down $38 billion from the second quarter. As good loan growth was offset by lower global markets assets and wholesale funding reductions.…
…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…
…over year increase in average loans. Finally, I'd highlight the continued digital momentum as shown on slide 22. New accounts are increasingly being opened digitally,…
…from 3.82% to 3.4%. Linked quarter. This contributed to an improved risk-adjusted margin on credit card approaching 7.5%. Finally, as shown on appendix, slide 20.…
…$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