Brian Moynihan

speaker

391 appearances 9 recordings 3 series first heard Dec 2025 last heard 3 Jun

Brian Moynihan’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 9 in all, peaking in Jan 2026 with 7.

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Bloomberg Talks · Bank of America CEO Brian Moynihan Talks 2026 Outlook, AI & More · 23 Dec 2025 podcast

It's been growing with the market.

And now

because of some dynamics and repricing balance sheet we'll get more earnings left out of it like we did in the third quarter but that that organic growth engine more customers and more of these customers been driving a bank of america and our team just need to do more of that and they know that how sensitive is your performance at bank of america to what the fed does on interest rates i mean if it actually cuts faster than people think or doesn't cut as fast

Look, at the end of the day, if our team predicts and most of the economists out there predict that the Fed funds rate will go from where it is now down closer to three percent.

And the debate might be two and three quarters, three, three and a quarter.

But it's a debate that nominal rate environment from, say, three percent Fed funds rate to maybe a four or four and a half percent 10 year Treasury rate.

That's a good normal scenario.

interest rate curve where banks can do well and our bank can do very well we have a. Two trillion dollars of positive set up a trillion of those are low interest no interest accounts and if the nominal rate environments sits in around two three percent it's a very good environment for a company grow.

its earning streams while it's growing its customer and its balances and its deposits and loans.

Yeah, so each year we have about $13 billion in total tech spending, about nine or so of it is the running the environment, protecting the environment, and sort of what they call the infrastructure, both the systems and protecting those systems and new software purchases.

About $4 billion is what we call initiatives.

And that's the new products, new services, the things my teammates love to talk about.

And what do we get for it?

How do we measure it?

We literally look at every project.

we do and say, what's the payback in terms of additional revenue or additional expense or expense taken out of either reducing work or simplicity in the systems environment.

So we measured all that.

It's got to be above our cost of capital.

That's a technical way to measure.

But what you really see is that deployment of

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