美国银行因反洗钱失职被罚12亿美元，第三季度利润大幅下滑

美国银行因未能有效检测和报告可疑金融活动，被美国财政部罚款12.1亿美元1。这笔罚款是美国财政部历史上第三大罚款1，针对该行违反反洗钱法和制裁法规的行为34。根据调查，美国银行未报告超过50亿美元的可疑活动，其中涉及国家安全风险的金额达10亿美元1。

这笔罚款对美国银行的财务业绩造成重大冲击。该行第三季度净利润同比下跌17%345，下滑幅度与交易和投资银行业务收入下降相关3。罚款和业务疲软的双重打击也导致美国银行股价创2025年以来最差单日表现4。

Bank of America has been penalized $1.21 billion by the U.S. Department of the Treasury for failures in detecting and reporting suspicious financial activity 1. The fine represents the third-largest penalty ever issued by the Treasury Department 1. The bank failed to report more than $5 billion in suspicious transactions, including $1 billion involving national security risks 1.

The violation encompassed breaches of both anti-money laundering and sanctions regulations 34. This substantial penalty has directly impacted the bank's financial performance, contributing to a 17% decline in third-quarter net profit 345. Weakness in trading and investment banking revenue, combined with the fine, has weighed significantly on the bank's results 35. Bank of America's stock experienced its worst single day in 2025 following the announcement of the penalty and earnings report 4.