BAC Holding International Corp. (BVC:BHI)

BAC Holding International Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,990	2,732	2,306	1,881	1,692	1,769
Interest Income on Investments	357.05	366.91	327.1	209.52	175.46	158.02
Total Interest Income	3,347	3,099	2,633	2,090	1,868	1,927
Interest Paid on Deposits	897.44	790.64	613.54	459.28	470.39	511
Interest Paid on Borrowings	373.7	350.48	301.27	179.15	136.9	156.93
Total Interest Expense	1,271	1,141	914.81	638.43	607.29	667.93
Net Interest Income	2,076	1,958	1,718	1,452	1,260	1,259
Net Interest Income Growth (YoY)	9.45%	13.96%	18.35%	15.21%	0.08%	-3.01%
Gain (Loss) on Sale of Assets	-	-	-	-0.85	-0.23	4.19
Gain (Loss) on Sale of Investments	0.13	-1.77	13.96	5.18	-4.44	-15.6
Other Non-Interest Income	1,276	1,156	956.76	869.91	878.46	819.64
Total Non-Interest Income	1,276	1,154	970.72	874.23	873.8	808.22
Non-Interest Income Growth (YoY)	13.91%	18.91%	11.04%	0.05%	8.11%	-4.02%
Revenues Before Loan Losses	3,352	3,113	2,689	2,326	2,134	2,068
Provision for Loan Losses	590.65	516.84	386.74	346.31	346.98	454.57
Revenue	2,761	2,596	2,302	1,980	1,787	1,613
Revenue Growth (YoY)	9.49%	12.74%	16.29%	10.79%	10.80%	-8.29%
Salaries and Employee Benefits	737.36	711.9	651.88	543.18	501.77	519.54
Occupancy Expenses	144.43	145.63	132.39	115.48	117.43	127.57
Selling, General & Administrative	280.2	270.99	247.71	226.55	188.83	148.43
Other Non-Interest Expense	653.66	580.93	519.13	453.24	399.57	380.26
Total Non-Interest Expense	1,816	1,709	1,551	1,338	1,208	1,176
EBT Excluding Unusual Items	945.83	886.31	751.29	641.47	579.51	437.16
Pretax Income	945.83	886.31	751.29	641.47	579.51	437.16
Income Tax Expense	229.83	221.33	197.74	206.26	148.52	131.77
Earnings From Continuing Operations	715.99	664.98	553.54	435.21	430.99	305.39
Earnings From Discontinued Operations	-	-	-	-	17.33	5.51
Minority Interest in Earnings	-0.07	-0.07	-0.07	-0.06	-0.05	-0.06
Net Income	715.92	664.91	553.47	435.15	448.27	310.84
Net Income to Common	715.92	664.91	553.47	435.15	448.27	310.84
Net Income Growth	11.84%	20.13%	27.19%	-2.93%	44.21%	-22.66%
Basic Shares Outstanding	43,220	43,220	43,220	43,220	43,284	43,284
Diluted Shares Outstanding	43,270	43,334	43,403	43,531	43,284	43,284
Shares Change (YoY)	-0.45%	-0.16%	-0.29%	0.57%	-	55791.24%
EPS (Basic)	0.02	0.02	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01	0.01
EPS Growth	13.15%	21.33%	27.12%	-7.63%	-11.06%	-99.86%
Dividend Per Share	0.007	0.007	0.002	0.008	-	-
Dividend Growth	259.69%	259.69%	-76.17%	-	-	-
Effective Tax Rate	24.30%	24.97%	26.32%	32.15%	25.63%	30.14%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.