Bank of America Results Presentation Deck

Credit Risk Transformation Reflects Responsible Growth (EOP) Loan Mix¹ 33% $600 $400 $200 4Q09 $0 $1,003B Commercial Loan Portfolio ($B)¹ 67% Commercial U.S. commercial $328 22 69 29 207 >4x 56% -2x Consumer 3Q22 $1,032B $582 13 68 125 376 3Q22 44% Commercial real estate Consumer Loan Portfolio ($B)¹ Other $750 $500 $250 $0 9.2% $675 46 44 161 7.7% 154 7:3% 257 Residential mortgage Consumer vehicle lending 4Q09 4Q09 Non-U.S. commercial Note: Amounts may not total due to rounding. ¹4009 reflects December 31, 2009 information adjusted to include the January 1, 2010 adoption of FAS 166/167 as reported in our Securities and Exchange Commission (SEC) filings. 2 Nine-quarter loss rate from Comprehensive Capital Analysis and Review (CCAR) severely adverse scenario. (46%) (82%) Home equity Securities based lending Federal Reserve Stress Test Loan Loss Rates (%)² Peer 1 $451 56 87 27 Peer 2 229 3Q22 Consumer credit card Other consumer 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 BAC 6.4% 6.0% Peer 3 5.2% 30

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