1. Venezuela Stocks

  2. •

    Finance

  3. •

    Major banks
Banco Nacional de Credito, C.A.

Banco Nacional de Credito, C.A.

BBVCA:BNC
255.98
VES
+6.21
(+2.49%)
138.58BMarket Cap
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.93
1.22
- -
3.08
106.29
0.01
0.03
0.03
0.05
0.12
0.04
0.04
0.09
- -
Basic EPS, GAAP
0.24
0.29
- -
0.66
40.84
0.01
- -
0.01
- -
0.05
0.01
0.01
0.04
- -
Free Cash Flow per Basic Share
-0.2
- -
- -
-0.22
- -
- -
- -
- -
-0.03
-0.28
- -
-0.05
0.08
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
87.56
102.75
0.08
0.09
0.13
0.22
0.5
0.11
0.15
0.1
0.36
Tangible Book Value per Share
- -
- -
- -
86.9
102.75
0.08
0.09
0.13
0.22
0.5
0.11
0.15
0.1
0.36
Basic Weighted Avg Shares
503
362
278
227
241
266
290
290
290
290
1,290
1,290
2,581
1,721
Sales/Revenue/Turnover
467
443
- -
700
25,645
4
8
8
14
36
56
57
220
- -
Operating Margin (%)
112.14
153.19
- -
484.4
27.08
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
20
- -
- -
18
- -
- -
- -
- -
- -
2
1
1
1
- -
Net Income, GAAP
121
107
- -
150
9,852
4
1
2
1
13
10
10
102
- -
Effective Tax Rate (%)
0.33
0.72
0.16
19.77
- -
3.13
25.74
30.01
16.86
17.03
17.15
13.6
19.74
- -
Profit Margin (%)
25.8
24.04
23.78
21.37
38.42
103.61
16.66
30.04
6
36.8
17.82
18.14
46.35
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
300
83
- -
2
2
5
10
38
23
- -
19
Total Equity
- -
- -
- -
19,870
24,791
21
26
38
63
145
146
192
266
305
Return on Invested Capital (%)
- -
- -
- -
26.22
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
1.48
- -
0.03
5.15
7.26
1.55
11.86
5.86
5.21
42.42
- -
Return on Common Equity (%)
- -
- -
- -
1.51
44.12
0.03
5.41
7.72
1.66
12.7
6.83
6.15
44.56
- -

Capital Structure

USD

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,581
2,581
860
Market Capitalization
238
468
223

Working Capital

USD

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
445
1,075
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2,341,530,761,560.92%
53.01%
38.33%
Free Cash Flow
- -
48.04%
-419.6%
Net Income, GAAP
83,046,843,179.99%
453.28%
881.84%
Sales/Revenue/Turnover
92,394,468,175.77%
113.82%
284.25%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
57
2025
- -
- -
- -
- -
220
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.01
2025
- -
- -
- -
- -
0.04
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Garcia Jorge Luis Nogueroles
Sector
Finance
Industry
Major banks
Address
Caracas Venezuela
IPO Date
Jun 10, 2005
Website
bnc.com.ve
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Business
Banco Nacional de Crédito, C.A. Banco Universal is a Venezuela-based financial institution primarily engaged in the provision of commercial, retail, and corporate banking products and financial services to individual consumers, small and medium-sized enterprises (SMEs), and corporate entities across Venezuela. Founded in 2001 and headquartered in Caracas, Venezuela, the bank operates across retail banking, commercial banking, treasury, and corporate financial services divisions. Its core product and service offerings include deposit and liquid asset management, comprising domestic currency demand accounts, interest-bearing savings accounts, term deposits, and multi-currency foreign exchange custody accounts in United States Dollars and Euros; lending and credit solutions, including commercial working capital lines, promissory notes, syndicated loans, letters of credit, trade financing, agricultural credits, vehicle financing, and personal consumer loans; payment processing and cash management solutions, comprising Mastercard and Maestro-branded debit and credit cards, point-of-sale (POS) acquiring networks, contactless payment processing, mobile interbank payment systems (Pago Móvil BNC), automated payroll processing, supplier payment management, and utility billing collection services; treasury and foreign exchange operations, featuring foreign currency exchange desks (mesas de cambio), securities custody, and corporate trust administration services; and digital banking infrastructure, provided through the BNCNET online banking platform and the BNC App mobile application. In recent operational developments, the bank expanded its nationwide market share, physical branch network, and deposit portfolio through the acquisition and full structural integration of the Venezuelan banking assets and client accounts of Banco Occidental de Descuento (BOD). Additionally, the company has broadened its digital ecosystem by deploying next-generation contactless POS terminals, upgrading multi-currency point-of-sale settlement mechanisms for retail merchants, expanding automated corporate treasury interfaces, and enhancing real-time foreign currency exchange transaction capabilities.