Banco Nacional de Crédito, C.A., Banco Universal (CCSE:BNC)
Venezuela
· Delayed Price · Currency is VES 414.00
+2.00 (0.49%)
At close: Dec 5, 2025
CCSE:BNC Income Statement
Financials in millions VES. Fiscal year is January - December.
Millions VES. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 16,112 | 1,856 | 2,728 | 453.43 | 40.89 | 4.88 | Upgrade
|
| Interest Income on Investments | 542.54 | 167.63 | 77.76 | 42.2 | 5 | 0.71 | Upgrade
|
| Total Interest Income | 16,654 | 2,024 | 2,806 | 495.63 | 45.89 | 5.58 | Upgrade
|
| Interest Paid on Deposits | 913.24 | 441.53 | 475.41 | 73.04 | 9.56 | 0.35 | Upgrade
|
| Interest Paid on Borrowings | 543.88 | 355.39 | 453.51 | 74.06 | 9.61 | 0.24 | Upgrade
|
| Total Interest Expense | 1,457 | 796.92 | 928.92 | 147.1 | 19.16 | 0.6 | Upgrade
|
| Net Interest Income | 15,197 | 1,227 | 1,877 | 348.53 | 26.73 | 4.99 | Upgrade
|
| Net Interest Income Growth (YoY) | 927.10% | -34.65% | 438.54% | 1204.12% | 435.76% | 2631.90% | Upgrade
|
| Gain (Loss) on Sale of Investments | 133.85 | 0.02 | 24.27 | 5.89 | 6.03 | 0.34 | Upgrade
|
| Gain (Loss) on Sale of Equity Investments | 197.52 | - | 186.3 | 61.35 | - | - | Upgrade
|
| Other Non-Interest Income | 7,112 | 1,753 | 1,877 | 435.4 | 70.62 | 4.95 | Upgrade
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| Total Non-Interest Income | 7,443 | 1,753 | 2,087 | 502.64 | 76.65 | 5.29 | Upgrade
|
| Non-Interest Income Growth (YoY) | 201.72% | -16.02% | 315.25% | 555.78% | 1349.60% | 2899.42% | Upgrade
|
| Revenues Before Loan Losses | 22,640 | 2,980 | 3,964 | 851.17 | 103.37 | 10.28 | Upgrade
|
| Provision for Loan Losses | 1,322 | 199.71 | 167.56 | 49.26 | 7.62 | 0.56 | Upgrade
|
| Revenue | 21,318 | 2,780 | 3,797 | 801.91 | 95.75 | 9.72 | Upgrade
|
| Revenue Growth (YoY) | 465.55% | -26.78% | 373.45% | 737.50% | 885.45% | 2822.82% | Upgrade
|
| Salaries and Employee Benefits | 1,708 | 440.8 | 684.04 | 116.42 | 14.67 | 1.16 | Upgrade
|
| Federal Deposit Insurance | 182.77 | 54.18 | 26.28 | 4.76 | 0.52 | 0.03 | Upgrade
|
| Selling, General & Administrative | 5,653 | 1,641 | 1,495 | 368.36 | 59.89 | 3.06 | Upgrade
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| Other Non-Interest Expense | 1,633 | 152.65 | 365.85 | 64.54 | 11.3 | 1.21 | Upgrade
|
| Total Non-Interest Expense | 9,203 | 2,301 | 2,548 | 562.13 | 88.71 | 5.48 | Upgrade
|
| EBT Excluding Unusual Items | 12,115 | 479.19 | 1,249 | 239.78 | 7.04 | 4.24 | Upgrade
|
| Other Unusual Items | 112.07 | 145.63 | 103.54 | 67.15 | 17.33 | -0 | Upgrade
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| Pretax Income | 12,227 | 624.82 | 1,352 | 306.93 | 24.37 | 4.24 | Upgrade
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| Income Tax Expense | 2,692 | 84.99 | 243.54 | 53.1 | 3.67 | 1.21 | Upgrade
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| Net Income | 9,534 | 539.82 | 1,109 | 253.83 | 20.69 | 3.03 | Upgrade
|
| Net Income to Common | 9,534 | 539.82 | 1,109 | 253.83 | 20.69 | 3.03 | Upgrade
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| Net Income Growth | 994.19% | -51.31% | 336.82% | 1126.54% | 583.00% | 3062.66% | Upgrade
|
| Basic Shares Outstanding | 258 | - | 258 | 58 | 58 | 58 | Upgrade
|
| Diluted Shares Outstanding | 258 | - | 258 | 58 | 58 | 58 | Upgrade
|
| Shares Change (YoY) | - | - | 345.31% | - | - | 16.36% | Upgrade
|
| EPS (Basic) | 36.97 | - | 4.30 | 4.38 | 0.36 | 0.05 | Upgrade
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| EPS (Diluted) | 36.97 | - | 4.30 | 4.38 | 0.36 | 0.05 | Upgrade
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| EPS Growth | 994.19% | - | -1.91% | 1126.54% | 583.00% | 2618.97% | Upgrade
|
| Dividend Per Share | - | - | - | 0.263 | - | - | Upgrade
|
| Effective Tax Rate | 22.02% | 13.60% | 18.01% | 17.30% | 15.07% | 28.47% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.