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Bank of America | 10-K: FY2023 Annual Report
Bank of America | 10-K: FY2023 Annual Report
美國銀行 | 10-K:2023財年年報
牛牛AI助理已提取核心訊息
Bank of America Corporation reported its financial performance for the year, with a net income of $26.5 billion, or $3.08 per diluted share, compared to $27.5 billion, or $3.19 per diluted share in the previous year. The decrease in net income was primarily due to higher noninterest expense and provision for credit losses, partially offset by higher net interest income. Net interest income increased by $4.5 billion to $56.9 billion, driven by benefits from higher interest rates and loan growth, partially offset by higher funding costs and lower deposits. Noninterest income decreased by $838 million to $41.7 billion, with service charges and investment and brokerage services seeing declines, while market making and similar activities increased. The provision for credit losses rose by $1.9 billion to $4.4 billion, driven by consumer...Show More
Bank of America Corporation reported its financial performance for the year, with a net income of $26.5 billion, or $3.08 per diluted share, compared to $27.5 billion, or $3.19 per diluted share in the previous year. The decrease in net income was primarily due to higher noninterest expense and provision for credit losses, partially offset by higher net interest income. Net interest income increased by $4.5 billion to $56.9 billion, driven by benefits from higher interest rates and loan growth, partially offset by higher funding costs and lower deposits. Noninterest income decreased by $838 million to $41.7 billion, with service charges and investment and brokerage services seeing declines, while market making and similar activities increased. The provision for credit losses rose by $1.9 billion to $4.4 billion, driven by consumer portfolio credit card loan growth and asset quality, partially offset by improved macroeconomic conditions benefiting the commercial portfolio. Noninterest expense increased by $4.4 billion to $65.8 billion, primarily due to investments in technology and higher FDIC expense, including a $2.1 billion estimated special assessment amount. The effective tax rate was 6.4 percent, down from 11.1 percent, driven by recurring tax preference benefits and charges related to the FDIC special assessment and BSBY's future cessation. Total loans and leases increased by $8.0 billion, with commercial loans and leases seeing a slight increase and consumer loans excluding loans accounted for under the fair value option increasing by 1.85 percent. The allowance for credit losses increased to $14.6 billion, reflecting a reserve build in the consumer portfolio driven by credit card loan growth and asset quality.
美國銀行公司公佈了去年的財務表現,其淨利潤爲265億美元,每股攤薄收益爲3.08美元,相比前一年的275億美元或每股攤薄收益爲3.19美元略有下降。淨利潤下降主要是由於非利息支出和信貸損失準備金增加,部分抵消了利息淨收益的增加。利息淨收益增加了4500萬美元至569億美元,受益於較高的利率和貸款增長,部分抵消了較高的融資成本和較低的存款。非利息收入減少了83800萬美元至417億美元,其中服務費用、投資和證券業務出現下降,而市場做市商和類似活動則有所增加。信貸損失準備金增加了19億美元至44億美元,主要是由消費貸款組合的信用卡貸款增長和資產質量所致,部分抵消了受益於商業貸款組合的宏觀經濟條件改...展開全部
美國銀行公司公佈了去年的財務表現,其淨利潤爲265億美元,每股攤薄收益爲3.08美元,相比前一年的275億美元或每股攤薄收益爲3.19美元略有下降。淨利潤下降主要是由於非利息支出和信貸損失準備金增加,部分抵消了利息淨收益的增加。利息淨收益增加了4500萬美元至569億美元,受益於較高的利率和貸款增長,部分抵消了較高的融資成本和較低的存款。非利息收入減少了83800萬美元至417億美元,其中服務費用、投資和證券業務出現下降,而市場做市商和類似活動則有所增加。信貸損失準備金增加了19億美元至44億美元,主要是由消費貸款組合的信用卡貸款增長和資產質量所致,部分抵消了受益於商業貸款組合的宏觀經濟條件改善。非利息支出增加了44億美元至658億美元,主要是由於科技投資和較高的聯邦存款保險公司(FDIC)費用,包括21億美元的特別評估金額。有效稅率爲6.4%,低於11.1%,主要是由於經常性稅收優惠和與FDIC特別評估以及BSBY未來停止相關的費用。貸款和租賃總額增加了80億美元,其中商業貸款和租賃略有增加,消費貸款(不包括根據公允價值選項覈算的貸款)增長1.85%。信貸損失撥備增加至146億美元,這反映了由信用卡貸款增長和資產質量所致的消費貸款組合儲備增加。
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譯文內容由第三人軟體翻譯。
牛牛AI助手部分由第三方人工智慧模型基於資訊內容自動產生,只对除中国内地以外的地区提供。
以上內容僅用作資訊或教育之目的,不構成與富途相關的任何投資建議。富途竭力但無法保證上述全部內容的真實性、準確性和原創性。
風險及免責聲明
牛牛AI助手部分由第三方人工智慧模型基於資訊內容自動產生,只对除中国内地以外的地区提供。
以上內容僅用作資訊或教育之目的,不構成與富途相關的任何投資建議。富途竭力但無法保證上述全部內容的真實性、準確性和原創性。
我知道了
風險及免責聲明
牛牛AI助手部分由第三方人工智慧模型基於資訊內容自動產生,只对除中国内地以外的地区提供。
以上內容僅用作資訊或教育之目的,不構成與富途相關的任何投資建議。富途竭力但無法保證上述全部內容的真實性、準確性和原創性。
我知道了