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

CCSE:ABC.A Balance Sheet

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
Cash & Equivalents	7,604	3,153	2,275	875.73	205.36	18.86
Investment Securities	1,425	910.45	473.03	181.59	34.21	2.12
Total Investments	1,425	910.45	473.03	181.59	34.21	2.12
Gross Loans	4,961	1,775	1,449	306.51	26.73	20.47
Allowance for Loan Losses	-410.04	-74.94	-53.25	-7.18	-0.83	-0.44
Net Loans	4,551	1,700	1,396	299.33	25.9	20.03
Property, Plant & Equipment	322.32	279.39	40.85	3.15	1.93	0.08
Other Intangible Assets	36.54	30.18	1.98	2.74	-	-
Accrued Interest Receivable	25.63	13.79	11.75	2.04	0.13	0.04
Other Receivables	207.23	82.48	33.2	15.14	3.84	0.65
Restricted Cash	2,742	1,189	355.08	184.56	15.57	7.81
Other Current Assets	292.93	371.67	181.03	29.53	10.55	1.98
Other Real Estate Owned & Foreclosed	0.01	0.01	-	-	-	-
Other Long-Term Assets	279.4	153.1	95.66	24.27	7.82	1.74
Total Assets	17,486	7,883	4,863	1,619	306.97	53.32
Accounts Payable	223.96	82.19	50.86	29.12	6.73	3.02
Accrued Expenses	78.89	26.84	23.03	5.22	1.03	0.34
Interest Bearing Deposits	1,157	575.33	339.52	80.94	20.88	3.25
Non-Interest Bearing Deposits	11,840	5,521	3,535	1,048	216.3	30.35
Total Deposits	12,997	6,096	3,874	1,129	237.18	33.59
Short-Term Borrowings	0.82	207.04	126.85	44.5	-	1.48
Current Income Taxes Payable	52.09	4.48	2.49	11.47	0.3	0.12
Accrued Interest Payable	17.47	5.34	11.8	0.92	0.26	0.04
Other Current Liabilities	357.39	203.21	90.2	44.79	2.56	0.39
Long-Term Unearned Revenue	0	0	4.03	0.01	0.13	0.09
Long-Term Deferred Tax Liabilities	13.6	3	0.5	3.5	-	-
Other Long-Term Liabilities	39.49	8.2	2.76	4.12	14.28	2.57
Total Liabilities	13,781	6,637	4,187	1,272	262.47	41.65
Common Stock	9.98	9.98	0.08	0.07	-	-
Additional Paid-In Capital	-	-	-	-	6.57	0
Retained Earnings	1,088	489.38	264.48	105.08	18.62	2.16
Comprehensive Income & Other	2,607	747.03	411.42	241.37	19.32	9.51
Shareholders' Equity	3,705	1,246	675.99	346.52	44.5	11.67
Total Liabilities & Equity	17,486	7,883	4,863	1,619	306.97	53.32
Total Debt	0.82	207.04	126.85	44.5	-	1.48
Net Cash (Debt)	8,136	3,305	2,291	918.47	205.36	17.47
Net Cash Growth	350.64%	44.22%	149.46%	347.26%	1075.62%	2911.27%
Net Cash Per Share	48.89	19.86	14.37	6.83	1.54	0.12
Filing Date Shares Outstanding	166.4	166.4	166.4	139.7	133.5	148.8
Total Common Shares Outstanding	166.4	166.4	166.4	139.7	133.5	148.8
Book Value Per Share	22.27	7.49	4.06	2.48	0.33	0.08
Tangible Book Value	3,669	1,216	674.01	343.78	44.5	11.67
Tangible Book Value Per Share	22.05	7.31	4.05	2.46	0.33	0.08

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