Banco Nacional de Crédito, C.A., Banco Universal Ratios and Metrics

Market cap in millions VES. Fiscal year is January - December.

Millions VES. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Oct '24 Oct 24, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Debt / Equity Ratio	0.27	0.12	0.01	0.08	0.04	0.09	Upgrade
Debt / FCF Ratio	-1.92	0.45	-0.01	-0.19	-2.35	5.15	Upgrade
Return on Equity (ROE)	13.07%	29.01%	18.63%	-	13.92%	16.14%	Upgrade
Return on Assets (ROA)	2.88%	6.58%	4.94%	-	2.99%	3.85%	Upgrade
Payout Ratio	0.00%	-	-	-	0.00%	-	Upgrade
Buyback Yield / Dilution	-345.31%	-345.31%	-	0.00%	-16.36%	1.46%	Upgrade
Total Shareholder Return	-345.31%	-345.31%	-	0.00%	-16.36%	1.46%	Upgrade

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