美国银行 2024年度报告

Washington, D.C. 20549 FORM10-K (Mark One)☑ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934For the Fiscal Year EndedDecember31, 2024 ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934For the transition period fromto Commission file number:1-6523 Exact name of registrant as specified in its charter: Bank of America Corporation State or other jurisdiction of incorporation or organization:DelawareIRS Employer Identification No.:56-0906609Address of principal executive offices:Bank of America Corporate Center100 N. Tryon StreetCharlotte,North Carolina28255Registrant’s telephone number, including area code:(704)386-5681Securities registered pursuant to section12(b) of the Act: Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes☐No☑ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes☐No☑ Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject tosuch filing requirements for the past 90 days.Yes☑No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required tosubmit such files).Yes☑No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting companyor an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and“emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☑Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying withany new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of itsinternal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firmthat prepared or issued its audit report.☑ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant includedin the filing reflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation. received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b)☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No☑ As of June30, 2024, the aggregate market value of the registrant’s common stock (Common Stock) held by non-affiliates was approximately$309,201,944,388. At February24, 2025, there were7,604,677,274shares of Common Stock outstanding. Documents incorporated by reference:Portions of the definitive proxy statement relating to the registrant’s 2025 annual meeting of shareholdersare incorporated by reference in this Form 10-K in response to Items 10, 11, 12, 13 and 14 of Part III. Table of Contents Part IPageItem 1.Business2Item 1A.Risk Factors8Item 1B.Unresolved Staff Comments23Item 1C.Cybersecurity23Item 2.Properties23Item 3.Legal Proceedings23Item 4.Mine Safety Disclosures23Part IIItem 5.Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of EquitySecurities24Item 6.[Reserved]24Item 7.Management’s Discussion and Analysis of Financial Condition and Results of Operations25Item 7A.Quantitative and Qualitative Disclosures about Market Risk86Item 8.Financial Statements and Supplementary Data86Item 9.Changes in and Disagreements with Accountants on Accounting and Financial Disclosure172Item 9A.Controls and Procedures172Item 9B.Other Information172Item 9C.Disclosure Regarding Foreign Jurisdictions that Prevent Inspections172Part IIIItem 10.Directors, Executive Officers and Corporate Governance172Item 11.Executive Compensation173Item 12.Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters174Item 13.Certain Relationships and Related Transactions, and Director Independence174Item 14.Principal Accounting