Banco Nacional de Crédito, C.A., Banco Universal (CCSE:BNC)

CCSE:BNC 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	17,917	10,362	8,676	3,435	951.06	121.24
Investment Securities	2,625	5,507	604.86	1,591	19.74	1.65
Total Investments	2,625	5,507	604.86	1,591	19.74	1.65
Gross Loans	16,526	14,236	7,043	2,185	196.95	45.18
Allowance for Loan Losses	-513.85	-431.4	-216.37	-59.19	-9.7	-1.9
Net Loans	16,012	13,805	6,826	2,126	187.25	43.28
Property, Plant & Equipment	1,192	1,155	881.08	597.94	49.94	4.55
Accrued Interest Receivable	498.17	197.21	4.27	9	0.52	0.16
Other Receivables	-348.58	1.5	722.04	145.96	21.99	2.84
Restricted Cash	8,488	4,620	4,196	200.06	23.95	13.34
Other Current Assets	-	-	325.47	101.47	15.68	1.27
Long-Term Deferred Tax Assets	-	-	7.08	5.21	0.14	-
Other Real Estate Owned & Foreclosed	51.83	58.05	-	8.38	5.9	0.3
Other Long-Term Assets	7,037	6,532	2,439	627.86	73.47	8.64
Total Assets	53,473	42,238	24,783	8,920	1,355	197.58
Accounts Payable	-	-	481.78	69.98	12.34	2.93
Accrued Expenses	5,152	4,282	91.15	59	2.97	0.77
Interest Bearing Deposits	3,446	3,384	3,456	937.87	128.72	28.12
Non-Interest Bearing Deposits	29,418	23,331	12,498	4,621	845.26	107.93
Total Deposits	32,864	26,715	15,954	5,559	973.98	136.05
Short-Term Borrowings	945.52	1,191	620.56	18.12	22.65	1.84
Current Income Taxes Payable	-	-	213.5	52.16	1.16	0.83
Accrued Interest Payable	17.49	30.53	34.92	3.05	1.94	0.02
Other Current Liabilities	1,595	22.89	1,656	342.73	46.74	11.3
Long-Term Leases	-	-	14.32	1.19	-	0.05
Long-Term Unearned Revenue	-	-	44.19	29.62	0.62	0.08
Long-Term Deferred Tax Liabilities	-	-	20.62	3.39	-	0.35
Other Long-Term Liabilities	18.56	13.86	443.48	347.43	2.25	1
Total Liabilities	40,593	32,255	19,574	6,486	1,065	155.22
Common Stock	12,880	128.96	128.96	28.96	0.03	0.01
Additional Paid-In Capital	-	377.38	300	82.82	-	-
Retained Earnings	-	1,723	1,049	266.5	23.79	3.12
Comprehensive Income & Other	-	7,753	3,731	2,056	266.84	39.22
Shareholders' Equity	12,880	9,982	5,209	2,434	290.67	42.35
Total Liabilities & Equity	53,473	42,238	24,783	8,920	1,355	197.58
Total Debt	945.52	1,191	634.88	19.31	22.65	1.89
Net Cash (Debt)	16,972	9,171	8,042	4,816	937.56	119.43
Net Cash Growth	147.10%	14.04%	66.96%	413.72%	685.05%	5373.65%
Net Cash Per Share	-	-	31.18	83.16	16.19	2.06
Filing Date Shares Outstanding	-	-	257.92	57.92	57.92	57.92
Total Common Shares Outstanding	-	-	257.92	57.92	57.92	57.92
Book Value Per Share	-	-	20.20	42.02	5.02	0.73
Tangible Book Value	12,880	9,982	5,209	2,434	290.67	42.35
Tangible Book Value Per Share	-	-	20.20	42.02	5.02	0.73

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