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

CCSE:ABC.A Cash Flow Statement

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

Operating Activities

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
Net Income	6,587	2,957	137.97	210.21	65.72	7.63
Depreciation & Amortization	123.14	70.55	22	4.56	0.58	0.15
Other Amortization	472.66	104.4	13.98	4.5	0.98	-
Provision for Credit Losses	508.83	360.27	34.44	29.89	4.06	0.01
Accrued Interest Receivable	-285.86	-125	0.06	-5.31	-4	-0.35
Change in Other Net Operating Assets	-3,107	-1,325	-156.96	-128.64	-5.5	3.38
Other Operating Activities	1,384	337.84	-423.97	-51.99	15.27	18.97
Operating Cash Flow	2,554	1,399	-565.55	-120.12	41.9	-11.25
Operating Cash Flow Growth	-	-	-	-	-	-

Investing Activities

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
Capital Expenditures	-945.03	-571.56	-260.56	-42.26	-1.79	-3.64
Cash Acquisitions	-	-	-	-	-	9.72
Investment in Securities	-1,294	221.09	-90.52	44.71	-25.83	-5.89
Income (Loss) Equity Investments	-3,127	-981.5	-193.08	-183.33	-35.2	-41.25
Net Decrease (Increase) in Loans Originated / Sold - Investing	-30,799	-12,210	239.11	-1,171	-155.61	-3.82
Other Investing Activities	1,095	166.2	57.87	-11.9	6.76	-
Investing Cash Flow	-31,944	-12,395	-54.09	-1,180	-176.47	-3.64

Financing Activities

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
Short-Term Debt Issued	-	3,201	-	317	66.18	0.01
Total Debt Issued	3,374	3,201	-	317	66.18	0.01
Short-Term Debt Repaid	-	-	-176.2	-	-	-1.45
Total Debt Repaid	-	-	-176.2	-	-	-1.45
Net Debt Issued (Repaid)	3,374	3,201	-176.2	317	66.18	-1.44
Issuance of Common Stock	571.25	137.77	59.91	24.11	-	6.57
Common Dividends Paid	-599.04	-166.4	-	-19.97	-	-
Total Dividends Paid	-599.04	-166.4	-	-46.24	-	-
Net Increase (Decrease) in Deposit Accounts	50,624	16,988	1,542	1,623	301.37	204.02
Other Financing Activities	102.74	33.4	-6.46	10.88	0.66	-
Financing Cash Flow	54,073	20,194	1,419	1,928	368.21	209.15

Net Cash Flow

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
Foreign Exchange Rate Adjustments	28,752	15,968	912.51	941.22	605.72	-
Net Cash Flow	53,435	25,167	1,712	1,569	839.36	194.26

Free Cash Flow

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
Free Cash Flow	1,609	827.79	-826.11	-162.38	40.11	-14.89
Free Cash Flow Growth	-	-	-	-	-	-
Free Cash Flow Margin	5.78%	8.15%	-42.20%	-12.43%	14.93%	-17.19%
Free Cash Flow Per Share	9.67	4.97	-4.96	-1.02	0.30	-0.11

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
Cash Interest Paid	-	-	11.52	-	0.05	-

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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