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

CCSE:BNC Cash Flow Statement

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

Operating Activities

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
Net Income	56,901	17,973	539.82	1,109	253.83	20.69
Depreciation & Amortization	264.18	98.41	54.64	54.57	39.26	0.81
Other Amortization	95.56	37.59	35.2	52.52	10.13	1
Gain (Loss) on Sale of Assets	-12.44	-	-	37.67	-	-
Gain (Loss) on Sale of Investments	2,809	924.94	8.6	80.28	-8.37	-2.82
Total Asset Writedown	46.85	120	10	0.1	0.18	0.2
Provision for Credit Losses	8,552	2,258	177.56	145.32	44.4	5.24
Accrued Interest Receivable	-2,319	-601.83	-162.7	-9.49	-12.72	-2.15
Change in Other Net Operating Assets	-2,442	8,707	-3,957	22.98	-1,527	-92.78
Other Operating Activities	13,822	4,452	111.55	294.47	70.54	-6.52
Operating Cash Flow	77,717	33,969	-3,182	1,787	-1,129	-76.33
Operating Cash Flow Growth	-	-	-	-	-	-

Investing Activities

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
Capital Expenditures	-3,076	-526.2	-250.07	-367	-588.53	-40.77
Sale of Property, Plant and Equipment	-	-	-	-	-	13.06
Investment in Securities	3,052	1,942	-635.26	-120.25	-31.78	3.81
Net Decrease (Increase) in Loans Originated / Sold - Investing	-154,415	-45,845	-3,786	-4,305	-1,172	-134.75
Other Investing Activities	4,625	1,837	337.75	-84.5	196.65	-10.01
Investing Cash Flow	-149,814	-42,592	-4,333	-4,876	-1,597	-168.66

Financing Activities

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
Long-Term Debt Issued	-	1,661	-	1,188	239.68	-
Total Debt Issued	10,595	1,661	-	1,188	239.68	-
Long-Term Debt Repaid	-	-	-334.46	-	-105.81	-4.94
Total Debt Repaid	214.95	-	-334.46	-	-105.81	-4.94
Net Debt Issued (Repaid)	10,810	1,661	-334.46	1,188	133.87	-4.94
Issuance of Common Stock	-	-	-	67.87	82.82	-
Common Dividends Paid	-515.84	-515.84	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	457,084	39,428	5,107	9,512	4,226	526.23
Other Financing Activities	353.25	32.43	-1.73	-18.83	1.12	1.9
Financing Cash Flow	467,732	40,605	4,771	10,748	4,444	523.19

Net Cash Flow

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
Foreign Exchange Rate Adjustments	193,019	52,025	4,520	1,578	942.88	562.23
Net Cash Flow	588,653	84,008	1,776	9,237	2,660	840.44

Free Cash Flow

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
Free Cash Flow	74,641	33,443	-3,432	1,420	-1,718	-117.1
Free Cash Flow Growth	-	-	-	-	-	-
Free Cash Flow Margin	65.92%	94.70%	-123.46%	37.41%	-214.24%	-122.30%
Free Cash Flow Per Share	28.92	1.29	-	0.55	-2.96	-0.20

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
Cash Interest Paid	-	-	-	-	0.13	-

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:

Sep 28, 2026

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