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CLAIM #10450 · BK (BK) · 2025Q3 earnings call · Oct 16, 2025 · due Dec 31, 2026

So we've replicated that thinking in that model and that kind of proactive repositioning of the balance sheet for 2026. So we've done a lot of work and we've done a lot of positioning. And so to your specific, the latter part of your question, I would say Q4 is a good jumping-off point as a base case for 2026.

Dermot McDonogh · CFO

PENDING
graded after results covering Dec 31, 2026 are reported

How to check this claim

Look at: Net interest income (or net interest margin), quarterly run rate

It came true if: Q1 2026 NII/NIM approximately in line with (within ~2% of) Q4 2025 reported level, before other stated 2026 growth drivers

Where: Company quarterly earnings release / 10-Q net interest income disclosure

Verify independently

SEC filings for BK · Claim quote is verbatim from the 2025Q3 earnings call.