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  "documentTitle": "Bank of America | Results Presentation Deck | 36 slides",
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  "presentationDate": "2022-10-01 00:00:00",
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  "notes": "Includes both GAAP and FTE (Fully Taxable-Equivalent) adjustments.",
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      "text": "Net Interest Income (FTE, $B)",
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      "text": "Note: FTE stands for fully taxable-equivalent basis. GM stands for Global Markets. 1 Represent non-GAAP financial measures... 2 NII asset sensitivity represents banking book positions.",
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      "text": "Net interest income of $13.8B ($13.9B FTE) increased $2.7B YoY and $1.3B from 2Q22, driven by benefits from higher interest rates, including lower premium amortization expense, and higher loan balances. Premium amortization expense of $0.4B in 3Q22, $0.6B in 2Q22, and $1.4B in 3Q21. Net interest yield of 2.06% increased 38 bps YoY and 20 bps from 2Q22. Excluding Global Markets, net interest yield of 2.51%. As of September 30, 2022, a +100 bps parallel shift in the interest rate yield curve is estimated to benefit net interest income by $4.2B over the next 12 months.",
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