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Debt overshadows US bank's profit | Debt overshadows US bank's profit |
(about 3 hours later) | |
Concerns about debt levels at Bank of America have overshadowed its better than expected profits for the first three months of 2009. | Concerns about debt levels at Bank of America have overshadowed its better than expected profits for the first three months of 2009. |
The US's largest bank set aside $13.4bn (£9.2bn) to cover credit losses, from the fourth quarter's $8.5bn. | The US's largest bank set aside $13.4bn (£9.2bn) to cover credit losses, from the fourth quarter's $8.5bn. |
Its shares sank 24% and the news dragged other banking stocks lower. | |
This was despite net income soaring to $4.2bn in the first three months of 2009 from $1.2bn a year earlier, beating analysts expectations. | This was despite net income soaring to $4.2bn in the first three months of 2009 from $1.2bn a year earlier, beating analysts expectations. |
Its results were inflated by its purchases of Merrill Lynch, which added $3.7bn in net income, and Countrywide, which boosted its mortgage arm. | Its results were inflated by its purchases of Merrill Lynch, which added $3.7bn in net income, and Countrywide, which boosted its mortgage arm. |
We understand that we continue to face extremely difficult challenges Ken LewisChief executive, Bank of America Check Bank of America shares | We understand that we continue to face extremely difficult challenges Ken LewisChief executive, Bank of America Check Bank of America shares |
Analysts said investors were looking beyond the bank's profit to the continuing concerns about the impact of the financial crisis on the banking system. | Analysts said investors were looking beyond the bank's profit to the continuing concerns about the impact of the financial crisis on the banking system. |
This sentiment pulled the Dow Jones index lower, with a knock-on effect on European markets. | This sentiment pulled the Dow Jones index lower, with a knock-on effect on European markets. |
'Healthy number' | 'Healthy number' |
Bank of America has received $45bn in government funds as part of the Treasury Department's $700bn financial rescue package. | Bank of America has received $45bn in government funds as part of the Treasury Department's $700bn financial rescue package. |
"We understand that we continue to face extremely difficult challenges," said Bank of America's chief executive Ken Lewis. | "We understand that we continue to face extremely difficult challenges," said Bank of America's chief executive Ken Lewis. |
Mr Lewis has been under intense pressure over the purchase of Merrill - which was approved before shareholders learned of huge losses at the investment bank, and before billions of dollars worth of bonuses were paid to Merrill employees. | Mr Lewis has been under intense pressure over the purchase of Merrill - which was approved before shareholders learned of huge losses at the investment bank, and before billions of dollars worth of bonuses were paid to Merrill employees. |
Bank of America also said that Countrywide and Merrill had contributed "outstanding performances". | Bank of America also said that Countrywide and Merrill had contributed "outstanding performances". |
Analyst Michael Holland of Holland and Company in New York said the headline figure was "a really really healthy number given where expectations were just a few months ago". | Analyst Michael Holland of Holland and Company in New York said the headline figure was "a really really healthy number given where expectations were just a few months ago". |
Improving reports | Improving reports |
The results beat analysts' forecasts and add to signs that the banking sector might be improving. | The results beat analysts' forecasts and add to signs that the banking sector might be improving. |
Last week rival Citigroup reported its first quarterly net profit in nearly two years. | Last week rival Citigroup reported its first quarterly net profit in nearly two years. |
Citi's results came soon after positive earnings reports from Wells Fargo, Goldman Sachs and JP Morgan. | Citi's results came soon after positive earnings reports from Wells Fargo, Goldman Sachs and JP Morgan. |
In January Bank of America was granted $20bn in fresh US government aid and $118bn worth of guarantees against bad assets. | In January Bank of America was granted $20bn in fresh US government aid and $118bn worth of guarantees against bad assets. |
It has also benefitted from selling shares it held in China Construction Bank. | It has also benefitted from selling shares it held in China Construction Bank. |