Bank of America (BAC): FY26 Q2 earnings call, Jul 14, 2026
On its Jul 14, 2026 earnings call (FY26 Q2), Bank of America said 12 of the 31 words Kalshi and Polymarket listed; Parrot’s count agreed with all 31 settlements. Quotes below are at most 25 words each, with timed clips.
UpdatedMarkets
31 words · 12 settled yes · our count agreed on 31 of 31- 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 |
|---|---|---|---|---|---|---|---|
| Growth 5+ times | Yes | 90 | 90 | ✓ | 96%transcripts from the transcript model | Hear it 1:15, Growth 5+ times | – |
| Invest / Investment 5+ times | Yes | 31 | 31 | ✓ | 91%transcripts from the transcript model | Hear it 2:30, Invest / Investment 5+ times | – |
| AI / Artificial Intelligence 5+ times | Yes | 27 | 27 | ✓ | 75%transcripts from the transcript model | Hear it 3:40, AI / Artificial Intelligence 5+ times | – |
| Hike | Yes | 5 | 6 | ✓ | 18%transcripts from the transcript model | Hear it 12:39, Hike | – |
| Merrill | Yes | 3 | 3 | ✓ | 78%transcripts from the transcript model | Hear it 3:18, Merrill | – |
| Delinquency | Yes | 2 | 2 | ✓ | 78%n=2+tx from settlement history blended with transcripts | Hear it 14:50, Delinquency | – |
| Pipeline | Yes | 2 | 3 | ✓ | 76%n=2+tx from settlement history blended with transcripts | Hear it 45:47, Pipeline | – |
| Inflation | Yes | 1 | 1 | ✓ | 89%n=2+tx from settlement history blended with transcripts | Hear it 5:01, Inflation | – |
| Rate Cut / Cut Rate | Yes | 1 | 1 | ✓ | 88%transcripts from the transcript model | Hear it 58:13, Rate Cut / Cut Rate | – |
| Expansion | Yes | 1 | 1 | ✓ | 60%transcripts from the transcript model | Hear it 42:38, Expansion | – |
| World Cup | Yes | 1 | 1 | ✓ | 30%transcripts from the transcript model | Hear it 16:04, World Cup | – |
| Iran | Yes | 1 | 1 | ✓ | 13%n=1+tx from settlement history blended with transcripts | Hear it 45:37, Iran | – |
| Tariff | No | 0 | 0 | ✓ | 81%n=3+tx from settlement history blended with transcripts | – | |
| Basel 3 | No | 0 | 0 | ✓ | 67%n=1+tx from settlement history blended with transcripts | – | |
| Buyback | No | 0 | 0 | ✓ | 58%n=3+tx from settlement history blended with transcripts | – | |
| M&A / Merger | No | 0 | 0 | ✓ | 56%n=1+tx from settlement history blended with transcripts | – | |
| CashPro | No | 0 | 0 | ✓ | 46%n=2+tx from settlement history blended with transcripts | – | |
| Trump / President | No | 0 | 0 | ✓ | 44%transcripts from the transcript model | – | |
| Disruption | No | 0 | 0 | ✓ | 39%transcripts from the transcript model | – | |
| Trump | No | 0 | 0 | ✓ | 39%transcripts from the transcript model | – | |
| Ecosystem | No | 0 | 0 | ✓ | 29%transcripts from the transcript model | – | |
| Recession | No | 0 | 0 | ✓ | 21%n=3+tx from settlement history blended with transcripts | – | |
| Cryptocurrency | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – | |
| Deteriorating | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – | |
| Disappointing | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – | |
| Gross margin | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – | |
| Monetize | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – | |
| Pivot | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – | |
| Subscriber | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – | |
| Synergy | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – | |
| Oil | No | 0 | 0 | ✓ | 13%n=1+tx from settlement history blended with transcripts | – |
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.
9 matches for “Efficiency”; 5 quoted, at least 25 words apart.
…to $1.21 a share. Our results show organic growth, operating leverage, and efficiency ratio improvement in every business segment. Along the bottom of slide two,…
…every business segment. Each segment generated operating leverage. Each segment improved its efficiency ratio. Each segment demonstrated the benefits of its scale. Together, those results…
…investments, we generated 660 basis points of operating leverage and improved our efficiency ratio to 59%, highlighting the performance of the franchise and the return…
…our fifth consecutive quarter of positive operating leverage, maintained a strong 51% efficiency ratio, and delivered a 29% return on allocated capital. With regard to…
…representing 70% of total sales. New AI capabilities have improved service, increased efficiency, and allowed teammates to focus on higher-value client interactions. Finally, consumers remain…
Where the listed words were said
…We generated return on tangible common equity of 17%. In short, organic growth was broad-based and coupled with operating leverage, which translated into stronger returns…
…businesses delivered exceptional results, translating into 22% non-interest income growth. Wealth management, investment banking, and markets all benefit from healthy client activity in favorable…
…invest in a franchise, our brand, our people, our technology, and our AI-enabled productivity. Asset quality also remains stable and consistent with the strong underwriting…
…in the second half of the year, and it's based on the current forward curve, which has one 25 basis points rate hike in September.
…of our integrated wealth and banking model. At the same time, both Merrill and the Private Bank continue to attract talented advisors who are drawn…
…billion, and both were largely unchanged from Q1. Consumer card charge-offs and delinquencies improved both year-over-year and quarter-over-quarter. Commercial credit also remained solid, with CRE…
…that could affect the market's perception, IPOs, et cetera. Right now, the pipelines are feeling very good about that. The loan growth, deposit growth Alastair…
…consumer, ongoing AI-driven investments across the board, and easing energy costs, though inflation and tighter monetary policy remain key risks. Before I turn it over…
…is probably pretty stable here. It could even go down with the rate cut in fourth quarter, but it'll be flat to slightly down is…
…growth for the second half of the year, but not much NIM expansion? I guess we're just trying to think about the jumping off point…
…also launched one of our largest consumer marketing campaigns around the FIFA World Cup. We expanded our financial center network in new and growth markets,…
Agents: this page as TSV at /api/v1/appearances/bank-of-america:2026-07-14:earnings_call · words: /api/v1/brief?appearance=bank-of-america:2026-07-14:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP