Banco Provincial, S.A. Banco Universal (CCSE:BPV)

CCSE:BPV Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	29,878	4,157	2,106	485.3	173.83	10.39
Interest Income on Investments	626.96	239.93	107.65	16.69	3.55	1.07
Total Interest Income	30,505	4,397	2,214	501.99	177.38	11.46
Interest Paid on Deposits	737.53	363.31	91.2	29.51	11.31	0.75
Interest Paid on Borrowings	729.4	135.32	10.61	2.39	4.12	0.82
Total Interest Expense	1,467	498.62	101.81	31.9	15.44	1.57
Net Interest Income	29,038	3,898	2,112	470.09	161.94	9.89
Net Interest Income Growth (YoY)	889.60%	84.55%	349.33%	190.28%	1538.08%	2652.64%
Gain (Loss) on Sale of Investments	2.43	9.52	4.37	93.55	0	-0
Gain (Loss) on Sale of Equity Investments	18.21	120.29	13.32	1.77	1.98	0.12
Other Non-Interest Income	12,185	4,322	1,435	332.91	159.1	8.97
Total Non-Interest Income	12,205	4,452	1,453	428.23	161.08	9.09
Non-Interest Income Growth (YoY)	258.29%	206.38%	239.32%	165.85%	1671.12%	1182.76%
Revenues Before Loan Losses	41,244	8,350	3,565	898.32	323.02	18.98
Provision for Loan Losses	1,083	231.39	85.68	17.79	10.06	0.68
Revenue	40,161	8,119	3,480	880.53	312.96	18.3
Revenue Growth (YoY)	548.22%	133.32%	295.18%	181.35%	1609.71%	1662.22%
Salaries and Employee Benefits	3,852	1,550	505.51	125.61	49.67	2.83
Federal Deposit Insurance	-	-	-	-	-	0.18
Selling, General & Administrative	8,432	2,679	912.59	206.31	81.97	6.99
Other Non-Interest Expense	1,224	1,179	382.78	72.56	82.08	2.39
Total Non-Interest Expense	13,541	5,412	1,804	404.53	212.71	12.39
EBT Excluding Unusual Items	26,619	2,707	1,676	475.99	100.25	5.91
Legal Settlements	-1.95	-5.64	-3.07	-6.13	-0.82	-0.07
Other Unusual Items	-7.97	-2.91	-1.9	0.37	-0.24	-0.01
Pretax Income	26,609	2,698	1,671	470.24	99.18	5.84
Income Tax Expense	5,381	495.33	176.59	88.19	23.08	0
Net Income	21,229	2,203	1,494	382.05	76.11	5.84
Net Income to Common	21,229	2,203	1,494	382.05	76.11	5.84
Net Income Growth	1096.34%	47.41%	291.11%	402.00%	1203.77%	1600.86%
Basic Shares Outstanding	-	4,389	2,442	2,442	1,572	2,442
Diluted Shares Outstanding	-	4,389	2,442	2,442	1,572	2,442
Shares Change (YoY)	-	79.73%	0.01%	55.34%	-35.63%	-
EPS (Basic)	-	0.50	0.61	0.16	0.05	0.00
EPS (Diluted)	-	0.50	0.61	0.16	0.05	0.00
EPS Growth	-	-17.98%	291.07%	223.17%	1925.73%	1607.14%
Dividend Per Share	0.079	0.079	0.118	0.070	-	-
Dividend Growth	-33.00%	-33.00%	70.26%	-	-	-
Effective Tax Rate	20.22%	18.36%	10.57%	18.75%	23.27%	0.02%

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