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  "documentTitle": "Bank of America | Results Presentation Deck | 36 slides",
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  "authorName": "Bank of America",
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  "presentationDate": "2022-10-01 00:00:00",
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  "notes": "The slide uses a combination of area charts to visualize delinquency volumes over time, with a callout box summarizing key performance drivers and metrics.",
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      "kind": "callout",
      "text": "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. 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",
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      "text": "60-89 Days ($MM)",
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      "text": "Credit Card 30+ Days Past Due ($MM)",
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      "kind": "title",
      "text": "Credit Card Days Past Due Trend",
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