美国银行三季度净利69亿美元 含12亿美元监管和解费用 调整后净利81亿美元、每股收益1.08美元
Charlotte——美国银行（Bank of America，纽约证券交易所代码：BAC）10月14日公布2026年第三季度业绩。该行向证券交易委员会（SEC）提交的8-K文件及随附业绩公告显示，截至2026年9月30日的季度净利为69亿美元、摊薄每股收益0.91美元。业绩中包含一笔12亿美元的监管和解费用，折合每股0.17美元；剔除该项后，调整后净利为81亿美元、调整后每股收益1.08美元。去年同期净利为83亿美元、每股收益1.04美元。
当季营收（扣除利息支出后）为300亿美元，同比增长3%；净利息收入164亿美元，同比增长8%（按完全应税等值口径为166亿美元），净息差升至2.16%，上升15个基点。信贷损失拨备为13亿美元，与去年同期大体持平。非利息费用为197亿美元，效率比率66%；剔除和解费用后，调整后非利息费用为185亿美元、调整后效率比率62%。资产负债表方面，平均存款余额2.02万亿美元，同比增2%；平均贷款与租赁余额1.23万亿美元，增6%，为连续第十个季度环比增长；普通股一级资本（CET1）为1,980亿美元，CET1比率10.9%。该行当季向股东返还83亿美元，其中普通股股息22亿美元、普通股回购60亿美元；每股账面价值升至39.26美元，同比增4%。
分业务看，消费者银行净利35亿美元、营收116亿美元，同比增4%，当季新增支票账户逾20万个，为连续第31个季度净增长，信用卡贷款平均余额1,060亿美元、增5%。全球财富与投资管理净利15亿美元、营收71亿美元，同比增13%，资产管理费增16%至45亿美元，客户余额达5.1万亿美元、增9%。全球银行净利20亿美元，全行投行费用18亿美元，同比降11%。全球市场净利12亿美元，销售与交易收入51亿美元，同比降5%，其中股票收入增11%至25亿美元，固定收益、货币与大宗商品（FICC）收入降17%至26亿美元。
董事长兼首席执行官 Brian Moynihan 表示，团队实现了有机增长，商业贷款在每个客户分部都有增长，客户存款、财富资金流入与消费者活跃度支撑了稳健的盈利。执行副总裁兼首席财务官 Alastair Borthwick 表示，净利息收入同比增长8%、资产管理费增长17%，资产质量继续改善，流动性与资本保持强劲。
Bank of America Posts $6.9 Billion in Third-Quarter Net Income; Adjusted Profit $8.1 Billion, or $1.08 a Share, After $1.2 Billion Regulatory Settlement Charge
CHARLOTTE, N.C. — Bank of America Corporation (NYSE: BAC) on October 14 reported financial results for the third quarter ended September 30, 2026, posting net income of $6.9 billion, or $0.91 per diluted share, according to its Form 8-K filed with the U.S. Securities and Exchange Commission (SEC) and the accompanying earnings release. Results include a regulatory settlement charge of $1.2 billion, or $0.17 per share; excluding the charge, adjusted net income was $8.1 billion, or adjusted EPS of $1.08. In the year-ago quarter, net income was $8.3 billion, or $1.04 per share.
Revenue, net of interest expense, was $30.0 billion, up 3% from a year earlier. Net interest income rose 8% to $16.4 billion ($16.6 billion on a fully taxable-equivalent basis), and the net interest yield increased 15 basis points to 2.16%. The provision for credit losses was $1.3 billion, relatively flat to the year-ago quarter. Noninterest expense was $19.7 billion, for an efficiency ratio of 66%; excluding the settlement charge, adjusted noninterest expense was $18.5 billion and the adjusted efficiency ratio was 62%. Average deposit balances rose 2% to $2.02 trillion, and average loans and leases rose 6% to $1.23 trillion, the 10th consecutive quarter of sequential average growth. Common equity tier 1 capital was $198 billion, for a CET1 ratio of 10.9%. The bank returned $8.3 billion to shareholders in the quarter — $2.2 billion in common stock dividends and $6.0 billion in common stock repurchases — and book value per common share rose 4% to $39.26.
By segment, Consumer Banking earned $3.5 billion on revenue of $11.6 billion, up 4%, adding more than 200,000 net new checking accounts in its 31st consecutive quarter of net growth, with average credit card loans of $106 billion, up 5%. Global Wealth and Investment Management earned $1.5 billion on revenue of $7.1 billion, up 13%, as asset management fees rose 16% to $4.5 billion and client balances reached $5.1 trillion, up 9%. Global Banking earned $2.0 billion, with total corporation investment banking fees of $1.8 billion, down 11%. Global Markets earned $1.2 billion, with sales and trading revenue of $5.1 billion, down 5%; equities revenue rose 11% to $2.5 billion, while fixed income, currencies and commodities (FICC) revenue fell 17% to $2.6 billion.
Chair and CEO Brian Moynihan said the team delivered organic growth, with commercial lending growing in every client segment, supported by growth in client deposits, wealth flows and consumer activity. Executive Vice President and CFO Alastair Borthwick said net interest income grew 8% from a year earlier and asset management fees rose 17%, while asset quality continued to improve and liquidity and capital remained strong.
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图片来源：图：位于 Charlotte 的美国银行企业中心，美国银行总部大楼（资料图）。图片来源：jbarreiros 摄，CC BY-SA 2.0，经 Wikimedia Commons。Photo: The Bank of America Corporate Center in Charlotte, the bank's headquarters (file photo). Source: jbarreiros, CC BY-SA 2.0, via Wikimedia Commons.
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