BAC Holding International Corp. (BVC:BHI)

BAC Holding International Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	2,982	3,049	2,732	2,306	1,881	1,692
Interest Income on Investments	348.33	354.82	366.91	327.1	209.52	175.46
Total Interest Income	3,330	3,404	3,099	2,633	2,090	1,868
Interest Paid on Deposits	856.61	899.04	790.64	613.54	459.28	470.39
Interest Paid on Borrowings	368.96	380.45	350.48	301.27	179.15	136.9
Total Interest Expense	1,226	1,279	1,141	914.81	638.43	607.29
Net Interest Income	2,105	2,125	1,958	1,718	1,452	1,260
Net Interest Income Growth (YoY)	5.35%	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	24.36	24.69	20.1	13.96	5.18	-4.44
Other Non-Interest Income	1,193	1,272	1,120	956.76	869.91	878.46
Total Non-Interest Income	1,218	1,297	1,140	970.72	874.23	873.8
Non-Interest Income Growth (YoY)	1.80%	13.77%	17.41%	11.04%	0.05%	8.11%
Revenues Before Loan Losses	3,322	3,421	3,098	2,689	2,326	2,134
Provision for Loan Losses	591.02	607.78	516.84	386.74	346.31	346.98
Revenue	2,731	2,814	2,581	2,302	1,980	1,787
Revenue Growth (YoY)	3.26%	9.00%	12.11%	16.29%	10.79%	10.80%
Salaries and Employee Benefits	718.33	739.92	711.9	651.88	543.18	501.77
Occupancy Expenses	128.15	134.42	145.63	132.39	115.48	117.43
Selling, General & Administrative	281.57	284.24	270.99	247.71	226.55	188.83
Other Non-Interest Expense	653.18	653.84	566.39	519.13	453.24	399.57
Total Non-Interest Expense	1,781	1,812	1,695	1,551	1,338	1,208
EBT Excluding Unusual Items	949.9	1,001	886.31	751.29	641.47	579.51
Pretax Income	949.9	1,001	886.31	751.29	641.47	579.51
Income Tax Expense	242.58	246.58	221.33	197.74	206.26	148.52
Earnings From Continuing Operations	707.32	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	-0.07	-0.06	-0.05
Net Income	707.25	754.55	664.91	553.47	435.15	448.27
Net Income to Common	707.25	754.55	664.91	553.47	435.15	448.27
Net Income Growth	2.71%	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	25.54%	24.63%	24.97%	26.32%	32.15%	25.63%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.