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Sankey diagram of Bank of America Corporation. A complete text table follows the diagram.
Deposit and loan spreads supplied 52% of revenue while wealth fees, investment banking and trading broadened the earnings mix
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All flow values are directly reported. Noninterest revenue is shown in its three disclosed MD&A groupings; the flow uses net interest income rather than gross interest receipts because funding cost is intrinsic to a bank's revenue model.
Labels and narrative explain the filing. A category marked “arithmetic bridge” or “residual” is calculated from reported totals, rather than a separately reported line.
| Category | Stage | Value | Notes |
|---|---|---|---|
| Net interest income | 1 | $15.7B | 52% of revenue; up 9% |
| Fees & commissions | 1 | $10.5B | Wealth, banking, cards and service charges |
| Market making & similar | 1 | $3.6B | Trading and client facilitation |
| Other noninterest income | 1 | $341M | Down from prior-year leveraged-finance gains |
| Revenue, net of interest expense | 2 | $30.3B | Up 7% year over year |
| Income before tax | 3 | $10.4B | 34.4% pretax margin |
| Noninterest expense | 3 | $18.5B | People and technology dominate the cost base |
| Provision for credit losses | 3 | $1.3B | Down 10% year over year |
| Net income | 4 | $8.6B | Up 17% year over year |
| Income tax | 4 | $1.8B | 17.5% effective rate |
| Income to common shareholders | 5 | $8.2B | $1.11 diluted EPS |
| Preferred dividends & other | 5 | $429M | Claims senior to common equity |
| From | To | Value |
|---|---|---|
| Net interest income | Revenue, net of interest expense | $15.7B |
| Fees & commissions | Revenue, net of interest expense | $10.5B |
| Market making & similar | Revenue, net of interest expense | $3.6B |
| Other noninterest income | Revenue, net of interest expense | $341M |
| Revenue, net of interest expense | Income before tax | $10.4B |
| Revenue, net of interest expense | Noninterest expense | $18.5B |
| Revenue, net of interest expense | Provision for credit losses | $1.3B |
| Income before tax | Net income | $8.6B |
| Income before tax | Income tax | $1.8B |
| Net income | Income to common shareholders | $8.2B |
| Net income | Preferred dividends & other | $429M |