Banco Nacional de Crédito, C.A., Banco Universal (CCSE: 2BNC)

Banco Nacional de Crédito, C.A., Banco Universal Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	8,396	8,676	3,435	951.06	121,242,329	1,942,975
Investment Securities	925.17	604.86	1,591	19.74	1,651,563	554,837
Total Investments	925.17	604.86	1,591	19.74	1,651,563	554,837
Gross Loans	7,933	7,043	2,185	196.95	45,182,143	964,495
Allowance for Loan Losses	-253.82	-216.37	-59.19	-9.7	-1,898,508	-69,707
Net Loans	7,679	6,826	2,126	187.25	43,283,635	894,788
Property, Plant & Equipment	946.7	881.08	597.94	49.94	4,547,738	129,912
Accrued Interest Receivable	50.94	4.27	9	0.52	160,979	3,746
Other Receivables	0.93	722.04	145.96	21.99	2,837,383	194,214
Restricted Cash	4,811	4,196	200.06	23.95	13,335,367	959,006
Other Current Assets	-	325.47	101.47	15.68	1,271,957	63,211
Long-Term Deferred Tax Assets	-	7.08	5.21	0.14	-	-
Other Real Estate Owned & Foreclosed	70.49	-	8.38	5.9	303,718	0
Other Long-Term Assets	4,807	2,439	627.86	73.47	8,641,820	161,096
Total Assets	27,687	24,783	8,920	1,355	197,575,705	4,915,176
Accounts Payable	-	481.78	69.98	12.34	2,926,338	133,283
Accrued Expenses	2,775	91.15	59	2.97	770,007	6,743
Interest Bearing Deposits	2,668	3,456	937.87	128.72	28,118,647	1,342,914
Non-Interest Bearing Deposits	15,107	12,498	4,621	845.26	107,929,374	1,735,850
Total Deposits	17,775	15,954	5,559	973.98	136,048,022	3,078,764
Short-Term Borrowings	1,527	620.56	18.12	22.65	1,840,000	106,776
Current Income Taxes Payable	-	213.5	52.16	1.16	831,629	19,069
Accrued Interest Payable	32.26	34.92	3.05	1.94	22,503	1,695
Other Current Liabilities	9.22	1,656	342.73	46.74	11,304,684	367,995
Long-Term Leases	-	14.32	1.19	-	47,028	792.1
Long-Term Unearned Revenue	-	44.19	29.62	0.62	80,771	5,126
Long-Term Deferred Tax Liabilities	-	20.62	3.39	-	348,591	3,978
Other Long-Term Liabilities	9.78	443.48	347.43	2.25	1,003,908	17,422
Total Liabilities	22,128	19,574	6,486	1,065	155,223,480	3,741,642
Common Stock	128.96	128.96	28.96	0.03	5,792	0.06
Additional Paid-In Capital	-	300	82.82	-	0.32	0.39
Retained Earnings	-	1,049	266.5	23.79	3,122,310	98,165
Comprehensive Income & Other	5,429	3,731	2,056	266.84	39,224,122	1,075,369
Shareholders' Equity	5,558	5,209	2,434	290.67	42,352,225	1,173,534
Total Liabilities & Equity	27,687	24,783	8,920	1,355	197,575,705	4,915,176
Total Debt	1,527	634.88	19.31	22.65	1,887,028	107,568
Net Cash (Debt)	6,868	8,042	4,816	937.56	119,427,391	2,181,864
Net Cash Growth	-2.18%	66.96%	413.71%	-100.00%	5373.64%	8213.96%
Net Cash Per Share	0.05	0.06	0.17	0.03	4123.92	87.67
Filing Date Shares Outstanding	128,960	128,960	28,960	28,960	28,960	28,960
Total Common Shares Outstanding	128,960	128,960	28,960	28,960	28,960	28,960
Book Value Per Share	0.04	0.04	0.08	0.01	1462.46	40.52
Tangible Book Value	5,558	5,209	2,434	290.67	42,352,225	1,173,534
Tangible Book Value Per Share	0.04	0.04	0.08	0.01	1462.46	40.52

Source: S&P Capital IQ. Banks template. Financial Sources.