BAC Holding International Corp. (BVC:BHI)

BAC Holding International Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	3,049	2,732	2,306	1,881	1,692
Interest Income on Investments	354.82	366.91	327.1	209.52	175.46
Total Interest Income	3,404	3,099	2,633	2,090	1,868
Interest Paid on Deposits	899.04	790.64	613.54	459.28	470.39
Interest Paid on Borrowings	380.45	350.48	301.27	179.15	136.9
Total Interest Expense	1,279	1,141	914.81	638.43	607.29
Net Interest Income	2,125	1,958	1,718	1,452	1,260
Net Interest Income Growth (YoY)	8.50%	13.96%	18.35%	15.21%	0.08%
Gain (Loss) on Sale of Assets	-	-	-	-0.85	-0.23
Gain (Loss) on Sale of Investments	24.69	20.1	13.96	5.18	-4.44
Other Non-Interest Income	1,272	1,120	956.76	869.91	878.46
Total Non-Interest Income	1,297	1,140	970.72	874.23	873.8
Non-Interest Income Growth (YoY)	13.77%	17.41%	11.04%	0.05%	8.11%
Revenues Before Loan Losses	3,421	3,098	2,689	2,326	2,134
Provision for Loan Losses	607.78	516.84	386.74	346.31	346.98
Revenue	2,814	2,581	2,302	1,980	1,787
Revenue Growth (YoY)	9.00%	12.11%	16.29%	10.79%	10.80%
Salaries and Employee Benefits	739.92	711.9	651.88	543.18	501.77
Occupancy Expenses	134.42	145.63	132.39	115.48	117.43
Selling, General & Administrative	284.24	270.99	247.71	226.55	188.83
Other Non-Interest Expense	653.84	566.39	519.13	453.24	399.57
Total Non-Interest Expense	1,812	1,695	1,551	1,338	1,208
EBT Excluding Unusual Items	1,001	886.31	751.29	641.47	579.51
Pretax Income	1,001	886.31	751.29	641.47	579.51
Income Tax Expense	246.58	221.33	197.74	206.26	148.52
Earnings From Continuing Operations	754.62	664.98	553.54	435.21	430.99
Earnings From Discontinued Operations	-	-	-	-	17.33
Minority Interest in Earnings	-0.07	-0.07	-0.07	-0.06	-0.05
Net Income	754.55	664.91	553.47	435.15	448.27
Net Income to Common	754.55	664.91	553.47	435.15	448.27
Net Income Growth	13.48%	20.13%	27.19%	-2.93%	44.21%
Basic Shares Outstanding	43,220	43,220	43,220	43,220	43,284
Diluted Shares Outstanding	43,220	43,334	43,403	43,531	43,284
Shares Change (YoY)	-0.26%	-0.16%	-0.29%	0.57%	-
EPS (Basic)	0.02	0.02	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
EPS Growth	14.87%	21.33%	27.12%	-7.63%	-11.06%
Dividend Per Share	-	0.007	0.002	0.008	-
Dividend Growth	-	259.69%	-76.17%	-	-
Effective Tax Rate	24.63%	24.97%	26.32%	32.15%	25.63%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.