Bank of America Details Strategy and Capital Priorities at Goldman Sachs 2025 Conference

At the Goldman Sachs 2025 U.S. Financial Services Conference, Bank of America executives outlined the firm’s strategic priorities, capital allocation approach and operating focus for the year ahead. Presenters emphasized a balanced agenda: drive sustainable revenue growth across consumer banking, wealth management and global markets while maintaining rigorous expense discipline and strong credit quality.

Leadership highlighted the continued importance of deposit stability and diversified funding as the firm navigates evolving interest-rate dynamics. Executives described efforts to optimize net interest income and expand fee-based businesses, including advisory, underwriting and investment services, to reduce earnings volatility. Technology and digital investments were presented as ongoing priorities to enhance client experience, increase efficiency and support scalable growth across retail and institutional channels.

On capital management, Bank of America reiterated its commitment to returning excess capital to shareholders through dividends and buybacks, while preserving a conservative buffer to support lending and risk-bearing activities. The speakers also addressed headwinds and opportunities in the macro environment—monitoring credit trends, inflationary pressures and regulatory developments—and stressed the bank’s preparedness to adjust actions in response to shifting market conditions.

Wealth management and asset servicing were framed as key long-term growth engines, with a focus on client retention, advisory penetration and cross-selling of bank capabilities. Mortgage and home-lending pipelines, alongside small business and commercial lending, were discussed within the context of credit performance and portfolio resilience. Risk management, compliance and capital planning were repeatedly referenced as foundational elements supporting strategic initiatives.

Overall, the presentation painted a picture of a large diversified bank positioning for steady, measured growth: investing in digital and client-facing capabilities, sustaining capital returns where prudent, and maintaining tight control over costs and credit. Executives conveyed confidence in the franchise’s ability to weather volatility while pursuing disciplined expansion across priority businesses.