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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	44,346	18,263	3,153	2,275	875.73	205.36
Investment Securities	11,995	3,403	910.45	473.03	181.59	34.21
Total Investments	11,995	3,403	910.45	473.03	181.59	34.21
Gross Loans	45,290	19,714	1,775	1,449	306.51	26.73
Allowance for Loan Losses	-1,064	-693.41	-74.94	-53.25	-7.18	-0.83
Net Loans	44,226	19,021	1,700	1,396	299.33	25.9
Property, Plant & Equipment	1,144	780.42	279.39	40.85	3.15	1.93
Other Intangible Assets	389.55	208.44	30.18	1.98	2.74	-
Accrued Interest Receivable	327.02	111.52	13.79	11.75	2.04	0.13
Other Receivables	6,484	1,761	82.48	33.2	15.14	3.84
Restricted Cash	19,435	11,246	1,189	355.08	184.56	15.57
Other Current Assets	2,029	771.52	371.67	181.03	29.53	10.55
Other Real Estate Owned & Foreclosed	-	0	0.01	-	-	-
Other Long-Term Assets	2,144	726.58	153.1	95.66	24.27	7.82
Total Assets	132,520	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	1,387	617.85	82.19	50.86	29.12	6.73
Accrued Expenses	792.05	261.3	26.84	23.03	5.22	1.03
Interest Bearing Deposits	8,835	4,261	575.33	339.52	80.94	20.88
Non-Interest Bearing Deposits	82,580	32,701	5,521	3,535	1,048	216.3
Total Deposits	91,415	36,962	6,096	3,874	1,129	237.18
Short-Term Borrowings	2,588	2,852	207.04	126.85	44.5	-
Current Income Taxes Payable	282.27	432.09	4.48	2.49	11.47	0.3
Accrued Interest Payable	120.2	38.75	5.34	11.8	0.92	0.26
Other Current Liabilities	6,337	780.14	203.21	90.2	44.79	2.56
Long-Term Unearned Revenue	0	0	0	4.03	0.01	0.13
Long-Term Deferred Tax Liabilities	58	35.9	3	0.5	3.5	-
Other Long-Term Liabilities	517.92	322.44	8.2	2.76	4.12	14.28
Total Liabilities	103,497	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	Jun 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	6,691	3,160	489.38	264.48	105.08	18.62
Comprehensive Income & Other	22,182	10,679	747.03	411.42	241.37	19.32
Shareholders' Equity	29,023	13,989	1,246	675.99	346.52	44.5
Total Liabilities & Equity	132,520	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	2,588	2,852	207.04	126.85	44.5	-
Net Cash (Debt)	49,245	16,463	3,305	2,291	918.47	205.36
Net Cash Growth	505.27%	398.19%	44.22%	149.46%	347.26%	1075.62%
Net Cash Per Share	295.94	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	174.42	84.07	7.49	4.06	2.48	0.33
Tangible Book Value	28,633	13,781	1,216	674.01	343.78	44.5
Tangible Book Value Per Share	172.08	82.82	7.31	4.05	2.46	0.33

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Sep 5, 2026

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