Estados Financieros Comparados Actualizado al 04 de marzo de 2022
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT Bancos Y Financieras/BANKS
CIFRAS EXPRESADAS EN MILES DE SOLES
Empresa/Cuenta INTERBANK Mibanco Mitsui Auto Finance Perú Scotiabank Perú Serv. Fin. Total Edpyme
CIIU 6519 6519 6591 6519 6591
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION 31/12/2021 31/12/2020 31/12/2021 31/12/2020 31/12/2021 31/12/2020 31/12/2021 31/12/2020 31/12/2021 31/12/2020
DISPONIBLE / FUNDS AVAILABLE 14,383,585 17,698,659 1,107,339 1,832,043 55,694 38,620 13,797,431 16,915,396 38,275 3,957
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 30,002 18,105 0 28,968 0 0 0 90,526 0 0
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES 33,441 190,331 0 0 0 0 91,430 2,535,318 0 0
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE 6,732,772 6,068,687 1,294,465 1,134,588 0 0 4,939,868 5,941,331 0 0
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS 3,280,899 2,692,166 293,713 296,571 0 0 0 0 0 0
CARTERA DE CREDITOS / LOANS PORTFOLIO 41,248,943 39,003,339 12,250,151 11,533,382 964,073 844,591 53,549,000 47,489,801 328,260 266,951
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes 318,329 237,730 23,354 10,494 0 0 412,815 189,557 0 0
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes 343,620 126,894 0 0 0 0 0 0 0 0
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE 154,437 209,976 63,814 61,017 9,259 8,061 1,024,525 1,020,535 6,188 4,727
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE 17,862 17,009 339 530 135 0 40,814 55,069 1,690 3,076
PARTICIPACIONES / PROFIT SHARING 120,002 88,432 284 238 0 0 1,549,354 1,518,206 22,125 20,827
Subsidiarias / Subsidiaries 20,109 17,975 284 238 0 0 1,431,016 1,427,798 22,125 20,827
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures 99,893 70,457 0 0 0 0 118,338 90,408 0 0
Otras / Other 0 0 0 0 0 0 0 0 0 0
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET) 368,630 381,142 125,244 145,966 1,204 1,523 280,260 295,553 15,373 15,724
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL 464,939 444,563 119,070 96,447 3,662 1,052 96,673 94,049 2,879 1,966
PLUSVALIA / GOODWILL 0 0 139,180 139,180 0 0 287,074 287,074 0 0
IMPUESTOS CORRIENTES / CURRENT TAX 240,428 135,865 168,046 148,591 11,420 4,482 380,196 108,346 3,465 3,890
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 212,572 358,910 179,232 161,377 0 0 320,065 441,117 1,562 1,792
ACTIVOS NO CORRIENTES MANTENIDOS PARA LA VENTA / NON-CURRENT ASSETS HELD FOR SALE 0 0 0 0 0 0 0 0 0 0
OTROS ACTIVOS / OTHER ASSETS (NET) 161,521 152,243 42,476 35,650 42,738 34,680 254,336 247,517 20,530 15,092
TOTAL DEL ACTIVO / TOTAL ASSETS 68,111,982 67,824,051 15,806,707 15,625,042 1,088,185 933,009 77,023,841 77,229,395 440,347 338,002
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC 43,942,457 43,290,599 8,317,358 8,508,814 368 227 45,719,517 45,257,106 8 312
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 28,971 0 0 0 0 0 108,670 0 0
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. 1,047,087 1,305,607 116,154 159,305 0 0 421,083 1,012,790 0 0
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS 15,055,290 15,858,001 2,601,743 1,829,698 757,595 676,128 12,494,965 12,659,214 319,557 237,974
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES 413,126 269,632 23,719 11,787 0 0 398,291 155,564 0 0
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES 0 0 0 0 0 0 0 26,077 0 0
CUENTAS POR PAGAR / ACCOUNTS PAYABLE 501,444 536,681 2,448,612 2,702,961 28,157 23,235 6,489,770 7,416,678 7,704 8,494
PROVISIONES / PROVISIONS 153,423 146,082 84,200 76,700 163 0 348,034 297,874 672 679
IMPUESTOS CORRIENTES / CURRENT TAX 3,344 0 0 0 9,905 715 0 0 0 0
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 0 0 0 0 12,185 0 0 0 1,978 655
OTROS PASIVOS / OTHER LIABILITIES 192,982 205,073 2,625 2,485 15,088 9,290 359,318 301,474 29,730 18,171
TOTAL DEL PASIVO / TOTAL LIABILITIES 61,309,153 61,640,646 13,594,411 13,291,750 823,461 709,595 66,230,978 67,235,447 359,649 266,285
Capital social / Capital stock 4,961,758 4,723,363 1,714,577 1,238,747 156,747 156,747 8,026,778 7,840,354 66,829 61,757
Capital adicional / Additional capital -15,523 -15,523 0 875,752 0 0 394,463 394,463 0 0
Acciones Propias en Cartera / Treasury shares -18,387 -18,387 0 0 0 0 -2 -2 0 0
Reservas / Reserves 1,045,939 1,019,451 246,306 246,306 46,276 18,110 1,383,913 1,357,281 4,888 4,325
Resultados Acumulados / Retained earnings 0 0 77,967 0 8,575 35,428 294,622 241,359 0 0
Resultado Neto del Ejercicio / Net profits for fiscal year 1,200,476 264,883 179,148 -35,204 53,126 13,129 1,041,796 266,321 8,981 5,635
Ajustes al Patrimonio / Adjustments to equity -371,434 209,618 -5,702 7,691 0 0 -348,707 -105,828 0 0
TOTAL DEL PATRIMONIO / TOTAL EQUITY 6,802,829 6,183,405 2,212,296 2,333,292 264,724 223,414 10,792,863 9,993,948 80,698 71,717
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY 68,111,982 67,824,051 15,806,707 15,625,042 1,088,185 933,009 77,023,841 77,229,395 440,347 338,002
ESTADO DE RESULTADOS / INCOME STATEMENT 31/12/2021 31/12/2020 31/12/2021 31/12/2020 31/12/2021 31/12/2020 31/12/2021 31/12/2020 31/12/2021 31/12/2020
TOTAL INGRESOS POR INTERESES / TOTAL INTEREST INCOME 3,510,790 3,865,088 2,085,391 2,074,917 154,777 125,091 3,071,878 3,690,950 37,808 33,012
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES -811,024 -983,877 -244,750 -377,787 -26,515 -26,452 -509,924 -872,020 -16,760 -14,823
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN 2,699,766 2,881,211 1,840,641 1,697,130 128,262 98,639 2,561,954 2,818,930 21,048 18,189
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans -432,112 -1,995,732 -446,647 -726,247 -8,912 -46,565 -713,244 -1,692,593 -6,687 -4,492
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN 2,267,654 885,479 1,393,994 970,883 119,350 52,074 1,848,710 1,126,337 14,361 13,697
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME 987,719 838,244 109,459 90,318 23,016 15,868 892,347 708,983 12,067 8,679
Ingresos por emisión de dinero electrónico 0 0 0 0 0 0 0 0 0 0
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES -432,768 -335,727 -53,800 -34,052 0 0 -350,632 -262,726 -4,596 -3,836
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES 2,822,605 1,387,996 1,449,653 1,027,149 142,366 67,942 2,390,425 1,572,594 21,832 18,540
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS 511,430 407,502 23,750 15,557 15,944 10,058 523,915 309,961 3,757 2,034
MARGEN OPERACIONAL / OPERATING MARGIN 3,334,035 1,795,498 1,473,403 1,042,706 158,310 78,000 2,914,340 1,882,555 25,589 20,574
Gastos de Personal y Directorio / Personnel and directors' expenses -615,470 -591,554 -760,234 -738,534 -34,306 -26,432 -790,446 -741,095 -6,974 -5,972
Gastos por Servicios Recibidos de Terceros / Third party service expenses -851,636 -691,622 -276,340 -223,836 -55,116 -35,341 -609,187 -579,972 -5,669 -4,074
Impuestos y Contribuciones / Taxes and levies -29,682 -27,275 -9,267 -8,074 -10,650 -6,890 -74,854 -78,008 -315 -211
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION -199,375 -180,991 -41,186 -41,243 -666 -740 -74,442 -66,456 -797 -844
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN 1,637,872 304,056 386,376 31,019 57,572 8,597 1,365,411 417,024 11,834 9,473
Provisiones para créditos indirectos / Provisions for indirect loans 0 0 0 0 0 0 -43,657 -25,793 0 0
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable -2,680 -2,373 0 -99 113 -56 -12,961 -31,242 -1,227 -1,993
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others 0 0 -191 -140 -55 0 -30,065 -20,956 -599 -593
Provisión para activos no corrientes mantenidos para la venta / Provisions for non-current assets held for sale 0 0 0 0 0 0 0 0 0 0
Deterioro de inversiones / Impairment of investments 0 0 0 -930 0 0 0 0 0 0
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment 0 0 0 0 0 0 -8 -11 0 0
Deterioro de activos intangibles / Impairment of intangible assets 0 0 0 0 0 0 0 -1,084 0 0
Provisiones para litigios y demandas / Provisions for litigation and complaints -5,641 -864 194 -1,698 -163 0 -187 -491 0 0
Otras provisiones / Others Provisions -9,792 -4,051 0 0 0 0 -1 0 1 0
RESULTADO DE OPERACIÓN / OPERATING PROFITS 1,619,759 296,768 386,379 28,152 57,467 8,541 1,278,532 337,447 10,009 6,887
Otros ingresos y egresos / Other income and expenses -35,224 -459 -107,509 -58,699 18,440 11,120 17,199 7,792 2,779 991
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX 1,584,535 296,309 278,870 -30,547 75,907 19,661 1,295,731 345,239 12,788 7,878
IMPUESTO A LA RENTA / INCOME TAX -384,059 -31,426 -99,722 -4,657 -22,781 -6,532 -253,935 -78,918 -3,807 -2,243
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) 1,200,476 264,883 179,148 -35,204 53,126 13,129 1,041,796 266,321 8,981 5,635
INDICADORES FINANCIEROS / FINANCIAL RATIOS 31/12/2021 31/12/2021 31/12/2021 31/12/2021 31/12/2021
Liquidez / Liquid Ratio 1.33 16.08 n.d. 0.74 n.d.
Disponible % 21.12 7.01 5.12 17.91 8.69
Solvencia / Solvency 10.21 6.93 4.06 7.04 5.01
Eficiencia y Gestión % 41.17 54.25 66.59 40.71 36.47
Intermediación Financiera % 78.66 99.91 78.87 77.16 71.80
Rentabilidad sobre Activos % / Return on Assets % 1.76 1.13 4.88 1.35 2.04
Rentabilidad de Patrimonio % / Return on Equity % 17.65 8.10 20.07 9.65 11.13
* Estados Financieros expresados en miles de US$