Consumer Banking — Provision for Credit Losses
Business Segments · Provision for Credit LossesBank of America Consumer Banking — Provision for Credit Losses increased by 5.6% to $1.07B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 15.0%, from $1.25B to $1.07B. Over 4 years (FY 2021 to FY 2025), Consumer Banking — Provision for Credit Losses shows an upward trend with a 44.5% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
An increase often signals deteriorating credit quality or a more conservative economic outlook, while a decrease suggests improved borrower health.
Detailed definition
An expense charged to the income statement to maintain the allowance for loan and lease losses at a level considered ade...
Peer comparison
A critical risk metric for all lending institutions; highly comparable across the banking sector.
bac_segment_consumer_banking_provision_for_credit_lossesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$697.00M | $247.00M | $0.00 | -$52.00M | $350.00M | $738.00M | $944.00M | $1.09B | $1.27B | $1.40B | $1.41B | $1.15B | $1.28B | $1.30B | $1.25B | $1.29B | $1.28B | $1.01B | $1.07B |
| QoQ Change | — | +135.4% | -100.0% | — | +773.1% | +110.9% | +27.9% | +15.4% | +16.3% | +10.3% | +0.6% | -18.1% | +11.4% | +1.6% | -3.7% | +3.0% | -0.8% | -21.3% | +5.6% |
| YoY Change | — | — | — | — | +150.2% | +198.8% | — | >999% | +262.0% | +89.3% | +48.8% | +5.6% | +1.1% | -6.8% | -10.7% | +12.3% | +0.1% | -22.5% | -15.0% |
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Frequently Asked Questions
- What is Bank of America's consumer banking — provision for credit losses?
- Bank of America (BAC) reported consumer banking — provision for credit losses of $1.07B in Q4 2025.
- How has Bank of America's consumer banking — provision for credit losses changed year-over-year?
- Bank of America's consumer banking — provision for credit losses decreased by 15.0% year-over-year, from $1.25B to $1.07B.
- What is the long-term trend for Bank of America's consumer banking — provision for credit losses?
- Over 4 years (2021 to 2025), Bank of America's consumer banking — provision for credit losses has grown at a 44.5% compound annual growth rate (CAGR), from -$1.07B to $4.65B.
- What does consumer banking — provision for credit losses mean?
- The amount set aside to cover expected losses from bad loans.