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

CCSE:BNC 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	538,503	67,945	10,362	8,676	3,435	951.06
Investment Securities	11,023	7,428	5,507	604.86	1,591	19.74
Total Investments	11,023	7,428	5,507	604.86	1,591	19.74
Gross Loans	247,192	93,531	14,236	7,043	2,185	196.95
Allowance for Loan Losses	-10,571	-3,446	-431.4	-216.37	-59.19	-9.7
Net Loans	236,622	90,085	13,805	6,826	2,126	187.25
Property, Plant & Equipment	4,438	1,818	1,155	881.08	597.94	49.94
Accrued Interest Receivable	2,085	729.73	197.21	4.27	9	0.52
Other Receivables	9.21	414.21	1.5	722.04	145.96	21.99
Restricted Cash	129,720	63,339	4,620	4,196	200.06	23.95
Other Current Assets	-	1,755	-	325.47	101.47	15.68
Long-Term Deferred Tax Assets	-	230.53	-	7.08	5.21	0.14
Other Real Estate Owned & Foreclosed	20.73	33.17	58.05	-	8.38	5.9
Other Long-Term Assets	55,125	22,532	6,532	2,439	627.86	73.47
Total Assets	977,545	256,481	42,238	24,783	8,920	1,355

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	-	3,701	-	481.78	69.98	12.34
Accrued Expenses	70,593	1,146	4,282	91.15	59	2.97
Interest Bearing Deposits	43,577	20,663	3,384	3,456	937.87	128.72
Non-Interest Bearing Deposits	661,234	116,654	23,331	12,498	4,621	845.26
Total Deposits	704,810	137,318	26,715	15,954	5,559	973.98
Short-Term Borrowings	11,535	-	1,191	620.56	18.12	22.65
Current Income Taxes Payable	-	5,525	-	213.5	52.16	1.16
Accrued Interest Payable	343.85	42.99	30.53	34.92	3.05	1.94
Other Current Liabilities	385.33	1,050	22.89	1,656	342.73	46.74
Long-Term Debt	-	2,912	-	-	-	-
Long-Term Leases	-	-	-	14.32	1.19	-
Long-Term Unearned Revenue	-	653.07	-	44.19	29.62	0.62
Long-Term Deferred Tax Liabilities	-	57.96	-	20.62	3.39	-
Other Long-Term Liabilities	7.89	25,703	13.86	443.48	347.43	2.25
Total Liabilities	787,676	178,110	32,255	19,574	6,486	1,065

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	257.92	257.92	128.96	128.96	28.96	0.03
Additional Paid-In Capital	1,393	1,393	377.38	300	82.82	-
Retained Earnings	64,913	22,504	1,723	1,049	266.5	23.79
Comprehensive Income & Other	123,305	54,216	7,753	3,731	2,056	266.84
Shareholders' Equity	189,869	78,372	9,982	5,209	2,434	290.67
Total Liabilities & Equity	977,545	256,481	42,238	24,783	8,920	1,355

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	11,535	2,912	1,191	634.88	19.31	22.65
Net Cash (Debt)	527,268	66,975	12,804	8,042	4,816	937.56
Net Cash Growth	4018.14%	423.10%	59.22%	66.96%	413.72%	685.05%
Net Cash Per Share	-	28.85	-	10.39	27.72	5.40
Filing Date Shares Outstanding	-	773.76	-	773.76	173.76	173.76
Total Common Shares Outstanding	-	773.76	-	773.76	173.76	173.76
Book Value Per Share	-	101.29	-	6.73	14.01	1.67
Tangible Book Value	189,869	78,372	9,982	5,209	2,434	290.67
Tangible Book Value Per Share	-	101.29	-	6.73	14.01	1.67

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:

Jul 27, 2026

Data Sources Report a data error