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

CCSE:ABC.A Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	47,896	18,263	3,153	2,275	875.73	205.36
Investment Securities	29,921	3,403	910.45	473.03	181.59	34.21
Total Investments	29,921	3,403	910.45	473.03	181.59	34.21
Gross Loans	67,145	19,714	1,775	1,449	306.51	26.73
Allowance for Loan Losses	-1,508	-693.41	-74.94	-53.25	-7.18	-0.83
Net Loans	65,637	19,021	1,700	1,396	299.33	25.9
Property, Plant & Equipment	1,366	780.42	279.39	40.85	3.15	1.93
Other Intangible Assets	-	208.44	30.18	1.98	2.74	-
Accrued Interest Receivable	424.78	111.52	13.79	11.75	2.04	0.13
Other Receivables	75.59	1,761	82.48	33.2	15.14	3.84
Restricted Cash	16,246	11,246	1,189	355.08	184.56	15.57
Other Current Assets	-	771.52	371.67	181.03	29.53	10.55
Other Real Estate Owned & Foreclosed	13.15	0	0.01	-	-	-
Other Long-Term Assets	12,952	726.58	153.1	95.66	24.27	7.82
Total Assets	174,532	56,293	7,883	4,863	1,619	306.97

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	617.85	82.19	50.86	29.12	6.73
Accrued Expenses	-	261.3	26.84	23.03	5.22	1.03
Interest Bearing Deposits	65,947	4,261	575.33	339.52	80.94	20.88
Non-Interest Bearing Deposits	68,293	32,701	5,521	3,535	1,048	216.3
Total Deposits	134,240	36,962	6,096	3,874	1,129	237.18
Short-Term Borrowings	1,451	2,852	207.04	126.85	44.5	-
Current Income Taxes Payable	-	432.09	4.48	2.49	11.47	0.3
Accrued Interest Payable	156.57	38.75	5.34	11.8	0.92	0.26
Other Current Liabilities	88.32	780.14	203.21	90.2	44.79	2.56
Long-Term Unearned Revenue	-	0	0	4.03	0.01	0.13
Long-Term Deferred Tax Liabilities	-	35.9	3	0.5	3.5	-
Other Long-Term Liabilities	2,788	322.44	8.2	2.76	4.12	14.28
Total Liabilities	138,723	42,303	6,637	4,187	1,272	262.47

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	149.76	149.76	9.98	0.08	0.07	-
Additional Paid-In Capital	-	-	-	-	-	6.57
Retained Earnings	5,376	3,160	489.38	264.48	105.08	18.62
Comprehensive Income & Other	30,282	10,679	747.03	411.42	241.37	19.32
Shareholders' Equity	35,809	13,989	1,246	675.99	346.52	44.5
Total Liabilities & Equity	174,532	56,293	7,883	4,863	1,619	306.97

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	1,451	2,852	207.04	126.85	44.5	-
Net Cash (Debt)	46,446	16,463	3,305	2,291	918.47	205.36
Net Cash Growth	276.30%	398.19%	44.22%	149.46%	347.26%	1075.62%
Net Cash Per Share	279.12	98.94	19.86	14.37	6.83	1.54
Filing Date Shares Outstanding	166.4	166.4	166.4	166.4	139.7	133.5
Total Common Shares Outstanding	166.4	166.4	166.4	166.4	139.7	133.5
Book Value Per Share	215.20	84.07	7.49	4.06	2.48	0.33
Tangible Book Value	35,809	13,781	1,216	674.01	343.78	44.5
Tangible Book Value Per Share	215.20	82.82	7.31	4.05	2.46	0.33

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 20, 2026

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