Banco Nacional de Crédito, C.A., Banco Universal (CCSE:BNC)
Venezuela · Delayed Price · Currency is VES 450.00
+10.00 (2.27%)
At close: Jul 23, 2026
CCSE:BNC Cash Flow Statement
Financials in millions VES. Fiscal year is January - December.
Millions VES. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 17,973 | 539.82 | 1,109 | 253.83 | 20.69 |
Depreciation & Amortization | 98.41 | 54.64 | 54.57 | 39.26 | 0.81 |
Other Amortization | 37.59 | 35.2 | 52.52 | 10.13 | 1 |
Gain (Loss) on Sale of Assets | - | - | 37.67 | - | - |
Gain (Loss) on Sale of Investments | 924.94 | 8.6 | 80.28 | -8.37 | -2.82 |
Total Asset Writedown | 120 | 10 | 0.1 | 0.18 | 0.2 |
Provision for Credit Losses | 2,258 | 177.56 | 145.32 | 44.4 | 5.24 |
Accrued Interest Receivable | -601.83 | -162.7 | -9.49 | -12.72 | -2.15 |
Change in Other Net Operating Assets | 8,707 | -3,957 | 22.98 | -1,527 | -92.78 |
Other Operating Activities | 4,452 | 111.55 | 294.47 | 70.54 | -6.52 |
Operating Cash Flow | 33,969 | -3,182 | 1,787 | -1,129 | -76.33 |
Operating Cash Flow Growth | - | - | - | - | - |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -526.2 | -250.07 | -367 | -588.53 | -40.77 |
Sale of Property, Plant and Equipment | - | - | - | - | 13.06 |
Investment in Securities | 1,942 | -635.26 | -120.25 | -31.78 | 3.81 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -45,845 | -3,786 | -4,305 | -1,172 | -134.75 |
Other Investing Activities | 1,837 | 337.75 | -84.5 | 196.65 | -10.01 |
Investing Cash Flow | -42,592 | -4,333 | -4,876 | -1,597 | -168.66 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | 1,661 | - | 1,188 | 239.68 | - |
Total Debt Issued | 1,661 | - | 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) | 1,661 | -334.46 | 1,188 | 133.87 | -4.94 |
Issuance of Common Stock | - | - | 67.87 | 82.82 | - |
Common Dividends Paid | -515.84 | - | - | - | - |
Net Increase (Decrease) in Deposit Accounts | 39,428 | 5,107 | 9,512 | 4,226 | 526.23 |
Other Financing Activities | 32.43 | -1.73 | -18.83 | 1.12 | 1.9 |
Financing Cash Flow | 40,605 | 4,771 | 10,748 | 4,444 | 523.19 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Foreign Exchange Rate Adjustments | 52,025 | 4,520 | 1,578 | 942.88 | 562.23 |
Net Cash Flow | 84,008 | 1,776 | 9,237 | 2,660 | 840.44 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 33,443 | -3,432 | 1,420 | -1,718 | -117.1 |
Free Cash Flow Growth | - | - | - | - | - |
Free Cash Flow Margin | 94.70% | -123.46% | 37.41% | -214.24% | -122.30% |
Free Cash Flow Per Share | 14.41 | - | 1.83 | -9.89 | -0.67 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | - | - | - | 0.13 | - |