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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	451,397	67,945	10,362	8,676	3,435	951.06
Investment Securities	13,307	7,428	5,507	604.86	1,591	19.74
Total Investments	13,307	7,428	5,507	604.86	1,591	19.74
Gross Loans	353,138	93,531	14,236	7,043	2,185	196.95
Allowance for Loan Losses	-15,158	-3,446	-431.4	-216.37	-59.19	-9.7
Net Loans	337,979	90,085	13,805	6,826	2,126	187.25
Property, Plant & Equipment	5,791	1,818	1,155	881.08	597.94	49.94
Accrued Interest Receivable	2,628	729.73	197.21	4.27	9	0.52
Other Receivables	13.06	414.21	1.5	722.04	145.96	21.99
Restricted Cash	167,279	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	14.51	33.17	58.05	-	8.38	5.9
Other Long-Term Assets	115,177	22,532	6,532	2,439	627.86	73.47
Total Assets	1,093,586	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	Sep 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	118,368	1,146	4,282	91.15	59	2.97
Interest Bearing Deposits	60,977	20,663	3,384	3,456	937.87	128.72
Non-Interest Bearing Deposits	617,103	116,654	23,331	12,498	4,621	845.26
Total Deposits	678,080	137,318	26,715	15,954	5,559	973.98
Short-Term Borrowings	13,102	-	1,191	620.56	18.12	22.65
Current Income Taxes Payable	-	5,525	-	213.5	52.16	1.16
Accrued Interest Payable	682.07	42.99	30.53	34.92	3.05	1.94
Other Current Liabilities	155.09	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	42,698	25,703	13.86	443.48	347.43	2.25
Total Liabilities	853,085	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	2,579	257.92	128.96	128.96	28.96	0.03
Additional Paid-In Capital	-	1,393	377.38	300	82.82	-
Retained Earnings	63,719	22,504	1,723	1,049	266.5	23.79
Comprehensive Income & Other	174,203	54,216	7,753	3,731	2,056	266.84
Shareholders' Equity	240,501	78,372	9,982	5,209	2,434	290.67
Total Liabilities & Equity	1,093,586	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	13,102	2,912	1,191	634.88	19.31	22.65
Net Cash (Debt)	438,295	66,975	12,804	8,042	4,816	937.56
Net Cash Growth	-	423.10%	59.22%	66.96%	413.72%	685.05%
Net Cash Per Share	169.83	2.59	-	3.12	8.31	1.62
Filing Date Shares Outstanding	2,581	2,581	-	2,581	579.55	579.55
Total Common Shares Outstanding	2,581	2,581	-	2,581	579.55	579.55
Book Value Per Share	93.19	30.37	-	2.02	4.20	0.50
Tangible Book Value	240,501	78,372	9,982	5,209	2,434	290.67
Tangible Book Value Per Share	93.19	30.37	-	2.02	4.20	0.50

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

Oct 20, 2026

Data Sources Report a data error