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

CCSE:BNC Ratios and Metrics

Market cap in millions VES. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 20, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Debt / Equity Ratio	0.03	0.03	0.12	0.12	0.01	0.08
Debt / FCF Ratio	0.08	0.08	-	0.45	-	-
Net Debt / Equity Ratio	-0.86	-0.86	-1.28	-1.54	-1.98	-3.23
Net Debt / FCF Ratio	-2.01	-2.01	3.73	-5.66	2.80	8.01
Return on Equity (ROE)	40.68%	40.68%	7.11%	29.01%	18.63%	12.43%
Return on Assets (ROA)	12.03%	12.03%	1.61%	6.58%	4.94%	2.67%
Payout Ratio	2.87%	2.87%	-	-	-	-
Buyback Yield / Dilution	-	-	-	-345.31%	-	0.00%

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