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

CCSE:BNC 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	16,112	1,856	2,728	453.43	40.89	4.88
Interest Income on Investments	542.54	167.63	77.76	42.2	5	0.71
Total Interest Income	16,654	2,024	2,806	495.63	45.89	5.58
Interest Paid on Deposits	913.24	441.53	475.41	73.04	9.56	0.35
Interest Paid on Borrowings	543.88	355.39	453.51	74.06	9.61	0.24
Total Interest Expense	1,457	796.92	928.92	147.1	19.16	0.6
Net Interest Income	15,197	1,227	1,877	348.53	26.73	4.99
Net Interest Income Growth (YoY)	927.10%	-34.65%	438.54%	1204.12%	435.76%	2631.90%
Gain (Loss) on Sale of Investments	133.85	0.02	24.27	5.89	6.03	0.34
Gain (Loss) on Sale of Equity Investments	197.52	-	186.3	61.35	-	-
Other Non-Interest Income	7,112	1,753	1,877	435.4	70.62	4.95
Total Non-Interest Income	7,443	1,753	2,087	502.64	76.65	5.29
Non-Interest Income Growth (YoY)	201.72%	-16.02%	315.25%	555.78%	1349.60%	2899.42%
Revenues Before Loan Losses	22,640	2,980	3,964	851.17	103.37	10.28
Provision for Loan Losses	1,322	199.71	167.56	49.26	7.62	0.56
Revenue	21,318	2,780	3,797	801.91	95.75	9.72
Revenue Growth (YoY)	465.55%	-26.78%	373.45%	737.50%	885.45%	2822.82%
Salaries and Employee Benefits	1,708	440.8	684.04	116.42	14.67	1.16
Federal Deposit Insurance	182.77	54.18	26.28	4.76	0.52	0.03
Selling, General & Administrative	5,653	1,641	1,495	368.36	59.89	3.06
Other Non-Interest Expense	1,633	152.65	365.85	64.54	11.3	1.21
Total Non-Interest Expense	9,203	2,301	2,548	562.13	88.71	5.48
EBT Excluding Unusual Items	12,115	479.19	1,249	239.78	7.04	4.24
Other Unusual Items	112.07	145.63	103.54	67.15	17.33	-0
Pretax Income	12,227	624.82	1,352	306.93	24.37	4.24
Income Tax Expense	2,692	84.99	243.54	53.1	3.67	1.21
Net Income	9,534	539.82	1,109	253.83	20.69	3.03
Net Income to Common	9,534	539.82	1,109	253.83	20.69	3.03
Net Income Growth	994.19%	-51.31%	336.82%	1126.54%	583.00%	3062.66%
Basic Shares Outstanding	258	-	258	58	58	58
Diluted Shares Outstanding	258	-	258	58	58	58
Shares Change (YoY)	-	-	345.31%	-	-	16.36%
EPS (Basic)	36.97	-	4.30	4.38	0.36	0.05
EPS (Diluted)	36.97	-	4.30	4.38	0.36	0.05
EPS Growth	994.19%	-	-1.91%	1126.54%	583.00%	2618.97%
Dividend Per Share	-	-	-	0.263	-	-
Effective Tax Rate	22.02%	13.60%	18.01%	17.30%	15.07%	28.47%

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