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

CCSE:BNC Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	539.82	1,109	253.83	20.69	3.03
Depreciation & Amortization	54.64	54.57	39.26	0.81	0.03
Other Amortization	35.2	52.52	10.13	1	0.05
Gain (Loss) on Sale of Assets	-	37.67	-	-	-
Gain (Loss) on Sale of Investments	8.6	80.28	-8.37	-2.82	-0.2
Total Asset Writedown	10	0.1	0.18	0.2	0
Provision for Credit Losses	177.56	145.32	44.4	5.24	0.27
Accrued Interest Receivable	-162.7	-9.49	-12.72	-2.15	-0.27
Change in Other Net Operating Assets	-3,957	22.98	-1,527	-92.78	-0.84
Other Operating Activities	111.55	294.47	70.54	-6.52	1.52
Operating Cash Flow	-3,182	1,787	-1,129	-76.33	3.59
Operating Cash Flow Growth	-	-	-	-	2284.33%
Capital Expenditures	-250.07	-367	-588.53	-40.77	-4.39
Sale of Property, Plant and Equipment	-	-	-	13.06	-
Investment in Securities	-635.26	-120.25	-31.78	3.81	1.98
Net Decrease (Increase) in Loans Originated / Sold - Investing	-3,786	-4,305	-1,172	-134.75	-10.92
Other Investing Activities	337.75	-84.5	196.65	-10.01	-0.79
Investing Cash Flow	-4,333	-4,876	-1,597	-168.66	-14.13
Long-Term Debt Issued	-	1,188	239.68	-	-
Total Debt Issued	-	1,188	239.68	-	-
Long-Term Debt Repaid	-334.46	-	-105.81	-4.94	-
Total Debt Repaid	-334.46	-	-105.81	-4.94	-
Net Debt Issued (Repaid)	-334.46	1,188	133.87	-4.94	-
Issuance of Common Stock	-	67.87	82.82	-	-
Common Dividends Paid	-	-	-	-	-0
Net Increase (Decrease) in Deposit Accounts	5,107	9,512	4,226	526.23	38.65
Other Financing Activities	-1.73	-18.83	1.12	1.9	1.46
Financing Cash Flow	4,771	10,748	4,444	523.19	40.11
Foreign Exchange Rate Adjustments	4,520	1,578	942.88	562.23	102.12
Net Cash Flow	1,776	9,237	2,660	840.44	131.68
Free Cash Flow	-3,432	1,420	-1,718	-117.1	-0.8
Free Cash Flow Margin	-123.46%	37.41%	-214.24%	-122.30%	-8.25%
Free Cash Flow Per Share	-	5.51	-29.66	-2.02	-0.01
Cash Interest Paid	-	-	0.13	-	-

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