CCSE:BNC Income Statement

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

Millions VES. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	26,894	1,856	2,728	453.43	40.89
Interest Income on Investments	1,522	167.63	77.76	42.2	5
Total Interest Income	28,416	2,024	2,806	495.63	45.89
Interest Paid on Deposits	973.12	441.53	475.41	73.04	9.56
Interest Paid on Borrowings	532.68	355.39	453.51	74.06	9.61
Total Interest Expense	1,506	796.92	928.92	147.1	19.16
Net Interest Income	26,911	1,227	1,877	348.53	26.73
Net Interest Income Growth (YoY)	2093.80%	-34.65%	438.54%	1204.12%	435.76%
Gain (Loss) on Sale of Investments	1.73	0.02	24.27	5.89	6.03
Gain (Loss) on Sale of Equity Investments	-	-	186.3	61.35	-
Other Non-Interest Income	10,774	1,753	1,877	435.4	70.62
Total Non-Interest Income	10,776	1,753	2,087	502.64	76.65
Non-Interest Income Growth (YoY)	514.75%	-16.02%	315.25%	555.78%	1349.60%
Revenues Before Loan Losses	37,687	2,980	3,964	851.17	103.37
Provision for Loan Losses	2,372	199.71	167.56	49.26	7.62
Revenue	35,315	2,780	3,797	801.91	95.75
Revenue Growth (YoY)	1170.36%	-26.78%	373.45%	737.50%	885.45%
Salaries and Employee Benefits	2,987	440.8	684.04	116.42	14.67
Federal Deposit Insurance	181.3	54.18	26.28	4.76	0.52
Selling, General & Administrative	8,919	1,641	1,495	368.36	59.89
Other Non-Interest Expense	2,241	152.65	365.85	64.54	11.3
Total Non-Interest Expense	14,341	2,301	2,548	562.13	88.71
EBT Excluding Unusual Items	20,973	479.19	1,249	239.78	7.04
Other Unusual Items	1,332	145.63	103.54	67.15	17.33
Pretax Income	22,305	624.82	1,352	306.93	24.37
Income Tax Expense	4,332	84.99	243.54	53.1	3.67
Net Income	17,973	539.82	1,109	253.83	20.69
Net Income to Common	17,973	539.82	1,109	253.83	20.69
Net Income Growth	3229.38%	-51.31%	336.82%	1126.54%	583.00%
Basic Shares Outstanding	-	-	258	58	58
Diluted Shares Outstanding	-	-	258	58	58
Shares Change (YoY)	-	-	345.31%	-	-
EPS (Basic)	-	-	4.30	4.38	0.36
EPS (Diluted)	-	-	4.30	4.38	0.36
EPS Growth	-	-	-1.91%	1126.54%	583.00%
Dividend Per Share	-	-	0.300	0.263	-
Dividend Growth	-	-	13.98%	-	-
Effective Tax Rate	19.42%	13.60%	18.01%	17.30%	15.07%

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