Bank of America (BAC): FY25 Q4 earnings call, Jan 14, 2026
On its Jan 14, 2026 earnings call (FY25 Q4), Bank of America said 7 of the 10 words Kalshi and Polymarket listed; Parrot’s count agreed with all 10 settlements. Quotes below are at most 25 words each, with timed clips.
UpdatedMarkets
10 words · 7 settled yes · our count agreed on 10 of 10- Kalshi: company speakers + operator
Kalshi - Polymarket: anyone
Polymarket
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 |
|---|---|---|---|---|---|---|---|
| Rate Cut | Yes | 5 | 8 | ✓ | 88%transcripts from the transcript model | Hear it 19:29, Rate Cut | – |
| Margin | Yes | 5 | 6 | ✓ | 73%n=1+tx from settlement history blended with transcripts | Hear it 5:50, Margin | – |
| Tariff | Yes | 4 | 4 | ✓ | 76%n=1+tx from settlement history blended with transcripts | Hear it 6:43, Tariff | – |
| Delinquency | Yes | 3 | 3 | ✓ | 68%transcripts from the transcript model | Hear it 7:47, Delinquency | – |
| Inflation | Yes | 2 | 2 | ✓ | 83%transcripts from the transcript model | Hear it 55:29, Inflation | – |
| Pipeline | Yes | 2 | 3 | ✓ | 60%transcripts from the transcript model | Hear it 32:13, Pipeline | – |
| CashPro | Yes | 1 | 1 | ✓ | 57%transcripts from the transcript model | Hear it 14:36, CashPro | – |
| Buyback | No | 0 | 0 | ✓ | 59%n=1+tx from settlement history blended with transcripts | – | |
| Recession | No | 0 | 0 | ✓ | 52%n=1+tx from settlement history blended with transcripts | – | |
| M&A | No | 0 | 0 | ✓ | 36%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 21, 2026 04:22 UTC.
Transcript
quotes of at most 25 wordsSpeaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.
7 matches for “Erica”; 5 quoted, at least 25 words apart.
…Zelle and the continued usage growth and also note the impact of Erica, our AI agent and its use both across our businesses and with…
…for. So as we told you at Investor Day, today's activity in Erica in our consumer business alone is worth thousands of teammates that we…
…I'm just looking at Slide 21 and your interactions in consumer with Erica took a dip down in the last year, even while your users…
…note is you use these technologies and combinations. So your point on Erica, I asked the same question, Mike, because it's pretty straightforward why would…
…can set up alerts which then has slowed down the need for Erica because the alerts are up to, I think, billions a quarter that…
Where the listed words were said
…belief today based on the latest interest rate curve, which includes 2 rate cuts in 2026. To reiterate our expectation from Investor Day, we expect…
…Global Wealth & Investment Management showed improved nominal profit growth, stronger pretax margin improvement and continue to draw net new assets within the combined consumer…
…commercial clients settled in during the year after tax policy being clear, tariffs became more understood, and they look forward and receive the benefits of…
…that broad base of the U.S. consumer were stable through the year. Delinquencies and charge-offs improved in 2025 consumer credit. Unemployment in the market remains…
…due to headcount because that's 60-plus percent of our expenses. We've absorbed inflation and everything while we're doing that. The expense growth Alastair just told…
…regulatory and tariff announcements around the globe uncertainty settling in and our pipeline remains strong. Noninterest expense grew 6% compared to last year as we…
…to offer clients value and access to our award-winning digital platform in CashPro. Consumer Banking reported its third consecutive quarter of year-over-year growth and low…
Agents: this page as TSV at /api/v1/appearances/bank-of-america:2026-01-14:earnings_call · words: /api/v1/brief?appearance=bank-of-america:2026-01-14:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP