Results intelligence · Bank · North America

BAC

Bank of America

A reporting-period timeline of the company’s AI and machine-learning disclosures, grounded in official investor materials and exact source excerpts.

Risk and governanceProductivity and efficiencyProducts and use casesClient demandTalent and operating model

Reporting history

AI disclosures by reporting period

Documents with no explicit AI/ML evidence are shown as such. Silence is not interpreted as inactivity.

Quarterly reportFiled 31 Jul 2026

Bank of America quarterly report filed 31 Jul 2026

SEC EDGAR

Reporting period ended 30 Jun 2026

Primary source

Bank of America's quarterly report highlights potential risk factors associated with emerging technologies, specifically mentioning artificial intelligence. The firm notes risks related to the development, implementation, use, and management of these technologies, as well as uncertainty regarding the realization of expected benefits like cost savings and increased productivity.

Risk and governanceContinuing

Risk factors disclosed for emerging technologies and artificial intelligence

Bank of America identified risks concerning the development, implementation, use, and management of emerging technologies, including artificial intelligence. These risks encompass the potential inability to achieve expected benefits such as increased productivity and cost savings.

“the risks related to the development, implementation, use and management of emerging technologies, including artificial intelligence and the ability to achieve expected or potential benefits, such as increased productivity and cost savings;”

Context: Bank of America quarterly report filed 31 Jul 2026, risk disclosures

Earnings releaseFiled 14 Jul 2026

Bank of America results filing filed 14 Jul 2026

SEC EDGAR

Reporting period ended 14 Jul 2026

Primary source

Bank of America has approved over 300 AI and machine-learning use cases, including 114 live generative AI use cases with 34 fully deployed. The company is actively equipping its workforce with AI productivity tools, including wealth professionals, developers, and corporate banking staff, supported by the completion of over 600,000 AI training courses. Concurrently, the firm notes risk factors associated with the development, implementation, and management of emerging technologies like artificial intelligence.

Productivity and efficiencyExpanding

AI productivity tools deployed across multiple business segments to enhance capacity and efficiency

Bank of America has deployed various role-specific AI tools. This includes equipping more than 20,000 wealth professionals with AI for meeting-related activities, around 4,000 Corporate & Investment Banking professionals with AI for research and presentations, and approximately 19,000 developers with real-time coding assistance, which has increased productivity by over 20%. Additionally, the firm has approximately 200,000 active users generating over 400,000 prompts per day.

“ü >20K wealth professionals equipped with AI to assist with meeting-related activities to increase advisor capacity to serve additional clients ü ~4K Corporate & Investment Banking professionals using AI for research and presentation preparation to enhance client coverage and growth opportunities ü ~19K developers leveraging real-time coding assistance, increasing productivity >20%”

Context: Supplemental Business Segment Trends presentation slide

Products and use casesExpanding

Over 300 AI and machine learning use cases approved alongside generative AI rollouts

The bank has approved over 300 AI and machine learning use cases. Of these, 114 generative AI use cases are live, with 34 of them being fully deployed.

“>300 AI / machine learning use cases approved | 114 live generative AI use cases with 34 fully deployed”

Context: Supplemental Business Segment Trends presentation slide

Client demandExpanding

AI systems integrated into customer service and sales workflows

The bank has integrated multi-process AI-enabled systems into client-facing workflows. This includes approximately 5,000 call centre agents receiving automated real-time recommendations, and about 2,500 Global Payments Solutions representatives using AI to accelerate responses to client inquiries.

“ü ~5K call center agents receiving automated recommendations with real-time results ü ~2.5K Global Payments Solutions sales and servicing representatives using AI to expedite response time to client inquiries”

Context: Supplemental Business Segment Trends presentation slide

Talent and operating modelExpanding

Workforce reskilled with over 600,000 AI training courses completed

To support its front-line productivity efforts, Bank of America's workforce has completed over 600,000 AI training courses as part of its reskilling and training-at-scale initiative.

“Reskilling Workforce and Training at Scale >600K AI training courses completed”

Context: Supplemental Business Segment Trends presentation slide

Risk and governanceContinuing

Emerging technology risks highlighted around artificial intelligence implementation

Bank of America identified risks relating to the development, implementation, use, and management of emerging technologies, specifically pointing out artificial intelligence and the uncertainty of achieving expected benefits like cost savings and productivity.

“the risks related to the development, implementation, use and management of emerging technologies, including artificial intelligence and the ability to achieve expected or potential benefits, such as increased productivity and cost savings”

Context: Risk factors section

Quarterly reportFiled 1 May 2026

Bank of America quarterly report filed 1 May 2026

SEC EDGAR

Reporting period ended 31 Mar 2026

Primary source

Bank of America has highlighted risks associated with emerging technologies, including artificial intelligence, in its quarterly report. The company notes that these risks relate to the development, implementation, use, and management of AI. Specifically, these factors could impact the bank's ability to achieve potential benefits such as increased productivity and cost savings.

Risk and governanceContinuing

AI and emerging technologies identified as key operational risks

Bank of America disclosed risks associated with the development, implementation, use, and management of emerging technologies like artificial intelligence. These risks could potentially impact the bank's ability to achieve expected benefits, including cost savings and increased productivity.

“the risks related to the development, implementation, use and management of emerging technologies, including artificial intelligence and the ability to achieve potential benefits, such as increased productivity and cost savings;”

Context: Bank of America quarterly report, page 2

Earnings releaseFiled 15 Apr 2026

Bank of America results filing filed 15 Apr 2026

SEC EDGAR

Reporting period ended 15 Apr 2026

Primary source

Bank of America's results filing highlights risks associated with the development, implementation, use, and management of emerging technologies, specifically referencing artificial intelligence. These risks encompass the potential inability to realize projected benefits of the technology, such as cost savings and increased productivity.

Risk and governanceDirection not stated

Emerging technology and artificial intelligence identified as risk factors

Bank of America disclosed risk factors concerning the development, implementation, use, and management of emerging technologies, specifically artificial intelligence. The firm noted uncertainty regarding the ability to achieve expected benefits from these technologies, such as productivity improvements and cost reductions.

“the risks related to the development, implementation, use and management of emerging technologies, including artificial intelligence and the ability to achieve its potential benefits, such as increased productivity and cost savings”

Context: Risk factors, Results filing

Annual reportFiled 25 Feb 2026

Bank of America annual report filed 25 Feb 2026

SEC EDGAR

Reporting period ended 31 Dec 2025

Primary source

Bank of America is subject to rapidly evolving artificial intelligence-related laws, rules, and regulations across U.S. and non-U.S. jurisdictions. These regulations impose various obligations on the company, including AI governance, risk management, transparency, consumer disclosures, and enhanced compliance for systems deemed high risk.

Risk and governanceContinuing

Evolving AI regulations impose new governance and compliance obligations

Bank of America faces rapidly evolving AI-related laws, rules, and regulations in both U.S. and international jurisdictions, requiring adherence to obligations like governance, risk management, and restrictions on AI use.

“Artificial intelligence-related (AI) LRRs are also rapidly evolving in the U.S. and non-U.S. jurisdictions imposing various obligations, including AI governance and risk management, transparency and consumer disclosures, documentation and reporting requirements, AI use restrictions and enhanced compliance obligations for AI systems, including those categorized as high risk.”

Context: Item 1, Business - Regulatory Matters

Quarterly reportFiled 31 Oct 2025

Bank of America quarterly report filed 31 Oct 2025

SEC EDGAR

Reporting period ended 30 Sept 2025

Primary source

Bank of America's quarterly report identifies risks associated with the deployment of emerging technologies. Specifically, the corporation notes risks relating to the development, implementation, use, and management of artificial intelligence and machine learning.

Risk and governanceContinuing

Risk management includes emerging technologies such as artificial intelligence and machine learning

Bank of America has highlighted risk factors associated with the development, implementation, use, and management of emerging technologies, explicitly naming artificial intelligence and machine learning.

“the risks related to the development, implementation, use and management of emerging technologies, including artificial intelligence and machine learning”

Context: Forward-Looking Statements section