BAC Holding International Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	3,080	3,049	2,732	2,306	1,881	1,692
Interest Income on Investments	360.42	354.82	366.91	327.1	209.52	175.46
Total Interest Income	3,440	3,404	3,099	2,633	2,090	1,868
Interest Paid on Deposits	886.68	899.04	790.64	613.54	459.28	470.39
Interest Paid on Borrowings	381.25	380.45	350.48	301.27	179.15	136.9
Total Interest Expense	1,268	1,279	1,141	914.81	638.43	607.29
Net Interest Income	2,172	2,125	1,958	1,718	1,452	1,260
Net Interest Income Growth (YoY)	8.71%	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	-0.02	0.31	-1.77	13.96	5.18	-4.44
Other Non-Interest Income	1,258	1,296	1,142	956.76	869.91	878.46
Total Non-Interest Income	1,258	1,297	1,140	970.72	874.23	873.8
Non-Interest Income Growth (YoY)	5.13%	13.77%	17.41%	11.04%	0.05%	8.11%
Revenues Before Loan Losses	3,430	3,421	3,098	2,689	2,326	2,134
Provision for Loan Losses	610.3	607.78	516.84	386.74	346.31	346.98
Revenue	2,820	2,814	2,581	2,302	1,980	1,787
Revenue Growth (YoY)	6.58%	9.00%	12.11%	16.29%	10.79%	10.80%
Salaries and Employee Benefits	742.69	739.92	711.9	651.88	543.18	501.77
Occupancy Expenses	133.36	134.42	145.63	132.39	115.48	117.43
Selling, General & Administrative	286.06	284.24	270.99	247.71	226.55	188.83
Other Non-Interest Expense	676.7	653.84	566.39	519.13	453.24	399.57
Total Non-Interest Expense	1,839	1,812	1,695	1,551	1,338	1,208
EBT Excluding Unusual Items	980.79	1,001	886.31	751.29	641.47	579.51
Pretax Income	980.79	1,001	886.31	751.29	641.47	579.51
Income Tax Expense	250.72	246.58	221.33	197.74	206.26	148.52
Earnings From Continuing Operations	730.08	754.62	664.98	553.54	435.21	430.99
Earnings From Discontinued Operations	-	-	-	-	-	17.33
Minority Interest in Earnings	-0.08	-0.07	-0.07	-0.07	-0.06	-0.05
Net Income	730	754.55	664.91	553.47	435.15	448.27
Net Income to Common	730	754.55	664.91	553.47	435.15	448.27
Net Income Growth	6.03%	13.48%	20.13%	27.19%	-2.93%	44.21%
Basic Shares Outstanding	43,220	43,220	43,220	43,220	43,220	43,284
Diluted Shares Outstanding	43,220	43,220	43,334	43,403	43,531	43,284
Shares Change (YoY)	-0.37%	-0.26%	-0.16%	-0.29%	0.57%	-
EPS (Basic)	0.02	0.02	0.02	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01	0.01
EPS Growth	8.28%	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	25.56%	24.63%	24.97%	26.32%	32.15%	25.63%