Bank of America Results Presentation Deck
Credit Card Days Past Due Trend
Credit Card 30+ Days Past Due ($MM)
$2,500
$2,000
$1,500
$1,000
$500
$0
$2,000
$1,500
$1,000
5-29 Days ($MM)
$2,500
$500
2.04%
$0
Sep-19
2.08%
Dec-19
ill
Mar-20
w
Jun-20
Sep-20
1.89%
Dec-20
Mar-21
$700
$600
$500
$400
$300
$200
$100
$0
Jun-21
30-59 Days ($MM)
Sep-19
Dec-19
Mar-20
Sep-21
Jun-20
Sep-20
Dec-20
Dec-21
Mar-21
Jun-21
Sep-21
Dec-21
Delinquency rate
Mar-22
Mar-22
Jun-22
Sep-22
Jun-22
1.38%
$500
$400
$300
60-89 Days ($MM)
$200
$100
Sep-22
$0
Beginning in 4Q20, we saw early stage
delinquencies recede below pre-pandemic levels
as expired deferrals worked through the
delinquency periods and payment rates increased,
fueled by stimulus payments
Sep-19
Dec-19
Late stage (90+ Days) credit card delinquencies
remain near multi-year lows, resulting in 3Q22
net charge-offs 54% lower than 3Q19
• 5-29 days and 30 days+ past due delinquency
rates are 19 bps and 66 bps lower than they were
in 3Q19, respectively
Mar-20
Jun-20
Sep-20
Dec-20
Mar-21
Jun-21
Sep-21
Dec-21
Mar-22
Jun-22
Sep-22
90+ Days ($MM)
$1,200
$1,000
$800
$600
$400
$200
$0
Jun-22
Sep-22
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