Banco Nacional de Credito CA (CAR:BNC) Net Loan: VES128,092 Mil (As of Dec. 2025)

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CAR:BNC Banco Nacional de Credito CA CAR:BNC
82 GF Score
Price VES240.00
GF Value VES70.56
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Banco Nacional de Credito CA Net Loan?

Banco Nacional de Credito CA CAR:BNC +0.84% 82 Net Loan is VES128,092 Mil as of Dec. 2025. GuruFocus rates CAR:BNC with a GF Score™ of 82/100 and a GF Value™ of VES70.56 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Banco Nacional de Credito CA's quarterly net loan increased from Dec. 2024 (VES22,222 Mil) to Jun. 2025 (VES36,511 Mil) and increased from Jun. 2025 (VES36,511 Mil) to Dec. 2025 (VES128,092 Mil).

Banco Nacional de Credito CA's annual net loan increased from Dec. 2023 (VES9,845 Mil) to Dec. 2024 (VES36,511 Mil) and increased from Dec. 2024 (VES36,511 Mil) to Dec. 2025 (VES128,092 Mil).

Banco Nacional de Credito CA Net Loan Historical Data

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The historical data trend for Banco Nacional de Credito CA's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banco Nacional de Credito CA Net Loan Chart

Banco Nacional de Credito CA Annual Data
Trend Dec15 Dec16 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 438.01 3,967.58 9,845.24 22,222.22 128,092.38

Banco Nacional de Credito CA Quarterly Data
Jun15 Dec15 Jun16 Dec16 Jun17 Jun18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9,845.24 10,542.92 22,222.22 36,511.40 128,092.38
CAR:BNC
82GF Score
Banco Nacional de Credito CA CAR:BNC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Nacional de Credito CA Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of VES128,092 Mil mean?
Banco Nacional de Credito CA (CAR:BNC) has a Net Loan of VES128,092 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Banco Nacional de Credito CA and its competitors.
Is Banco Nacional de Credito CA's Net Loan too high?
Banco Nacional de Credito CA's current Net Loan is VES128,092 Mil. Overall, Banco Nacional de Credito CA has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Nacional de Credito CA's Net Loan compare to USB and PNC?
Banco Nacional de Credito CA's Net Loan of VES128,092 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Banco Nacional de Credito CA and its competitors. Banco Nacional de Credito CA's current Net Loan is VES128,092 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Nacional de Credito CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Nacional de Credito CA (CAR:BNC) is currently considered Significantly Overvalued. The stock's GF Value™ is VES70.56, compared to a current price of VES240.00 — trading 240.1% above its estimated fair value. The current Net Loan is VES128,092 Mil. Banco Nacional de Credito CA's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Banco Nacional de Credito CA (CAR:BNC), the current Net Loan is VES128,092 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banco Nacional de Credito CA (CAR:BNC) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Nacional de Credito CA stock appears to be overvalued. The current stock price of VES240.00 is trading 240.1% above its estimated GF Value™ of VES70.56. GuruFocus considers Banco Nacional de Credito CA to be Significantly Overvalued.

Key valuation signals for CAR:BNC:

  • Net Loan: VES128,092 Mil
  • GF Value™: VES70.56 vs. price of VES240.00 (240.1% above fair value)
  • GF Score™: 82/100 with 3 warning signs

No single metric tells the full story. See the CAR:BNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banco Nacional de Credito CA Business Description

Address Francisco de Miranda Avenue between Los Cortijos Avenue, BNC Tower, Campo Alegre Urbanization, Chacao Municipality, Capital District, Caracas, VEN
Banco Nacional de Credito CA operates as a commercial bank in Venezuela. The group's business objective is to provide financial intermediation which consists of the procurement of funds for the purpose of granting credits and it also invests in securities.
82GF Score

Get the complete analysis for CAR:BNC

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

VES240.00
Price
VES70.56
GF Value