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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	3,182	559.47	571.09	89.39	14.51	4.61
Interest Income on Investments	78.24	42.62	27.33	18.95	1.13	0.07
Total Interest Income	3,260	602.09	598.43	108.34	15.64	4.68
Interest Paid on Deposits	452.75	125.72	103.64	14.75	4.07	0.29
Interest Paid on Borrowings	379.85	159.04	129.35	13.12	3.57	0.72
Total Interest Expense	832.61	284.76	232.98	27.86	7.64	1.01
Net Interest Income	2,428	317.33	365.44	80.48	8	3.67
Net Interest Income Growth (YoY)	1381.21%	-13.17%	354.10%	906.01%	118.13%	2297.50%
Gain (Loss) on Sale of Investments	32.03	0.14	0.01	0.02	7.91	0
Gain (Loss) on Sale of Equity Investments	451.56	201.15	183.33	35.2	33.43	1.78
Other Non-Interest Income	4,058	1,473	787.01	157.01	37.31	2.09
Total Non-Interest Income	4,541	1,675	970.35	192.23	78.65	3.87
Non-Interest Income Growth (YoY)	499.03%	72.59%	404.79%	144.41%	1932.45%	3274.39%
Revenues Before Loan Losses	6,969	1,992	1,336	272.7	86.65	7.54
Provision for Loan Losses	247.13	34.44	29.89	4.06	0.01	0.28
Revenue	6,722	1,958	1,306	268.64	86.64	7.26
Revenue Growth (YoY)	646.90%	49.91%	386.11%	210.05%	1093.39%	2646.56%
Salaries and Employee Benefits	1,545	540.4	346.28	47.81	20.21	1.77
Federal Deposit Insurance	62.24	22.94	6.95	1.5	0.37	0.03
Selling, General & Administrative	2,542	948.19	554.28	109.31	39.41	2.93
Other Non-Interest Expense	938.07	367.76	193.27	29.69	23.77	0.84
Total Non-Interest Expense	5,104	1,886	1,103	188.73	84.05	5.17
EBT Excluding Unusual Items	1,618	72.02	202.74	79.92	2.6	2.09
Other Unusual Items	143.29	72.1	13.41	0.77	5.03	-0.01
Pretax Income	1,761	144.12	216.15	80.69	7.63	2.09
Income Tax Expense	239.95	6.15	5.94	14.97	-	-
Net Income	1,521	137.97	210.21	65.72	7.63	2.09
Net Income to Common	1,521	137.97	210.21	65.72	7.63	2.09
Net Income Growth	1122.14%	-34.37%	219.88%	761.62%	265.16%	8781.42%
Basic Shares Outstanding	166	166	159	134	134	149
Diluted Shares Outstanding	166	166	159	134	134	149
Shares Change (YoY)	-	4.39%	18.62%	0.66%	-10.28%	-2.65%
EPS (Basic)	9.14	0.83	1.32	0.49	0.06	0.01
EPS (Diluted)	9.14	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	2.000	-	-	0.143	-	-
Effective Tax Rate	13.62%	4.27%	2.75%	18.55%	-	-

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