Banco del Caribe, C.A., Banco Universal (CCSE:ABC.A)

CCSE:ABC.A Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,425	559.47	571.09	89.39	14.51	4.61
Interest Income on Investments	67.15	42.62	27.33	18.95	1.13	0.07
Total Interest Income	1,492	602.09	598.43	108.34	15.64	4.68
Interest Paid on Deposits	265.32	125.72	103.64	14.75	4.07	0.29
Interest Paid on Borrowings	215.55	159.04	129.35	13.12	3.57	0.72
Total Interest Expense	480.87	284.76	232.98	27.86	7.64	1.01
Net Interest Income	1,011	317.33	365.44	80.48	8	3.67
Net Interest Income Growth (YoY)	283.98%	-13.17%	354.10%	906.01%	118.13%	2297.50%
Gain (Loss) on Sale of Investments	31	0.14	0.01	0.02	7.91	0
Gain (Loss) on Sale of Equity Investments	123.92	201.15	183.33	35.2	33.43	1.78
Other Non-Interest Income	2,728	1,473	787.01	157.01	37.31	2.09
Total Non-Interest Income	2,883	1,675	970.35	192.23	78.65	3.87
Non-Interest Income Growth (YoY)	118.90%	72.59%	404.79%	144.41%	1932.45%	3274.39%
Revenues Before Loan Losses	3,893	1,992	1,336	272.7	86.65	7.54
Provision for Loan Losses	189.37	34.44	29.89	4.06	0.01	0.28
Revenue	3,704	1,958	1,306	268.64	86.64	7.26
Revenue Growth (YoY)	139.69%	49.91%	386.11%	210.05%	1093.39%	2646.56%
Salaries and Employee Benefits	872.01	540.4	346.28	47.81	20.21	1.77
Federal Deposit Insurance	35.58	22.94	6.95	1.5	0.37	0.03
Selling, General & Administrative	1,529	948.19	554.28	109.31	39.41	2.93
Other Non-Interest Expense	651.95	367.76	193.27	29.69	23.77	0.84
Total Non-Interest Expense	3,100	1,886	1,103	188.73	84.05	5.17
EBT Excluding Unusual Items	603.97	72.02	202.74	79.92	2.6	2.09
Other Unusual Items	88.09	72.1	13.41	0.77	5.03	-0.01
Pretax Income	692.06	144.12	216.15	80.69	7.63	2.09
Income Tax Expense	65.25	6.15	5.94	14.97	-	-
Net Income	626.81	137.97	210.21	65.72	7.63	2.09
Net Income to Common	626.81	137.97	210.21	65.72	7.63	2.09
Net Income Growth	316.51%	-34.37%	219.88%	761.62%	265.16%	8781.42%
Basic Shares Outstanding	-	166	159	134	134	149
Diluted Shares Outstanding	-	166	159	134	134	149
Shares Change (YoY)	-	4.39%	18.62%	0.66%	-10.28%	-2.65%
EPS (Basic)	-	0.83	1.32	0.49	0.06	0.01
EPS (Diluted)	-	0.83	1.32	0.49	0.06	0.01
EPS Growth	-	-37.12%	169.67%	755.95%	307.03%	-100.00%
Dividend Per Share	-	-	-	0.143	-	-
Effective Tax Rate	9.43%	4.27%	2.75%	18.55%	-	-

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