Estados Financieros Comparados Actualizado al 10 de marzo de 2025
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT Bancos Y Financieras/BANKS
CIFRAS EXPRESADAS EN MILES DE SOLES
Empresa/Cuenta Crediscotia Financiera Emp. C. Santander Consumo Financiera Confianza Financiera Efectiva Financiera OH
CIIU 65197 6419 6599 6592 6599
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023
DISPONIBLE / FUNDS AVAILABLE 291,759 215,350 10,804 114,679 312,240 284,410 80,008 169,245 289,970 366,987
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 74,541 0 0 0 0 0 0 0 0
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES 0 0 0 0 0 0 0 0 0 0
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE 156,171 202,788 0 0 68,419 78,301 380,688 27,807 0 0
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS 0 0 0 0 0 0 0 0 0 0
CARTERA DE CREDITOS / LOANS PORTFOLIO 2,064,414 2,239,810 1,211,806 1,275,912 2,192,235 2,198,479 1,188,645 1,113,578 1,424,791 1,484,196
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes 0 0 0 0 0 0 0 0 0 0
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes 0 0 0 0 0 0 0 0 0 0
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE 23,291 22,663 46,104 34,058 11,665 17,066 36,288 39,775 152,501 144,783
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE 0 99 0 0 24 0 252 402 0 0
PARTICIPACIONES / PROFIT SHARING 0 0 7,909 9,525 49 51 0 0 0 0
Subsidiarias / Subsidiaries 0 0 7,909 9,525 0 0 0 0 0 0
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures 0 0 0 0 49 51 0 0 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) 12,057 13,966 1,104 1,296 19,171 21,176 2,200 2,096 8,814 7,157
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL 1,190 1,347 22,149 18,687 19,989 16,397 55,210 50,399 18,195 14,529
PLUSVALIA / GOODWILL 0 0 0 0 12,139 12,139 0 0 0 0
IMPUESTOS CORRIENTES / CURRENT TAX 22,195 33,145 12,367 21,226 13,509 13,443 651 12,031 20,561 12,489
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 105,155 113,594 3,821 3,650 28,523 30,786 21,409 25,009 43,835 42,881
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) 28,079 30,003 69,426 65,917 5,089 3,367 2,571 2,840 8,907 4,632
TOTAL DEL ACTIVO / TOTAL ASSETS 2,704,311 2,947,306 1,385,490 1,544,950 2,683,052 2,675,615 1,767,922 1,443,182 1,967,574 2,077,654
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC 1,277,546 1,550,950 0 0 1,586,289 1,438,247 898,215 543,284 1,244,602 954,202
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 0 0 37,067 0 0 0 0 0
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. 0 0 0 0 57,003 80,046 3,851 5,133 0 0
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS 577,221 536,186 1,040,276 1,263,425 541,355 698,875 444,117 487,911 321,309 740,137
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES 0 0 0 0 0 0 0 0 0 0
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES 0 0 0 0 0 0 0 0 0 0
CUENTAS POR PAGAR / ACCOUNTS PAYABLE 51,731 50,508 82,907 39,658 30,318 37,722 49,861 46,836 70,844 89,186
PROVISIONES / PROVISIONS 5,307 6,130 404 299 6,553 5,201 1,102 795 2,710 3,093
IMPUESTOS CORRIENTES / CURRENT TAX 0 0 0 0 0 0 0 0 0 0
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 0 0 17,418 17,417 0 0 0 0 0 0
OTROS PASIVOS / OTHER LIABILITIES 29,108 25,859 13,208 14,222 5,376 3,606 6,369 7,043 1,980 2,654
TOTAL DEL PASIVO / TOTAL LIABILITIES 1,940,913 2,169,633 1,154,213 1,335,021 2,263,961 2,263,697 1,403,515 1,091,002 1,641,445 1,789,272
Capital social / Capital stock 528,769 528,769 172,983 172,983 285,105 282,721 264,443 264,443 422,540 322,540
Capital adicional / Additional capital 812 812 0 0 38,086 38,086 0 0 0 30,008
Acciones Propias en Cartera / Treasury shares 0 0 0 0 0 0 0 0 0 0
Reservas / Reserves 185,069 185,069 31,882 26,817 83,204 78,978 39,168 34,311 20,408 20,408
Resultados Acumulados / Retained earnings 0 0 0 0 0 0 244 5,023 -84,574 0
Resultado Neto del Ejercicio / Net profits for fiscal year 46,935 61,326 26,412 10,129 12,696 12,019 60,424 48,568 -32,245 -84,574
Ajustes al Patrimonio / Adjustments to equity 1,813 1,697 0 0 0 114 128 -165 0 0
TOTAL DEL PATRIMONIO / TOTAL EQUITY 763,398 777,673 231,277 209,929 419,091 411,918 364,407 352,180 326,129 288,382
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY 2,704,311 2,947,306 1,385,490 1,544,950 2,683,052 2,675,615 1,767,922 1,443,182 1,967,574 2,077,654
ESTADO DE RESULTADOS / INCOME STATEMENT 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023
TOTAL INGRESOS POR INTERESES / TOTAL INTEREST INCOME 696,217 708,983 222,815 222,901 548,570 561,115 474,558 453,881 482,025 530,571
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES -112,600 -141,235 -77,131 -97,783 -127,050 -134,140 -85,021 -72,641 -101,366 -117,153
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN 583,617 567,748 145,684 125,118 421,520 426,975 389,537 381,240 380,659 413,418
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans -313,665 -293,615 -48,701 -75,521 -151,086 -155,138 -195,271 -218,817 -284,303 -377,436
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN 269,952 274,133 96,983 49,597 270,434 271,837 194,266 162,423 96,356 35,982
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME 93,325 101,000 52,616 51,411 29,415 30,762 59,721 65,943 211,679 218,895
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES -15,301 -19,300 -56,960 -51,298 -14,272 -13,954 -3,234 -2,019 -5,253 -4,118
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES 347,976 355,833 92,639 49,710 285,577 288,645 250,753 226,347 302,782 250,759
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS 1,780 1,384 40,547 43,003 3,701 3,343 -14,939 -20,916 745 1,169
MARGEN OPERACIONAL / OPERATING MARGIN 349,756 357,217 133,186 92,713 289,278 291,988 235,814 205,431 303,527 251,928
Gastos de Personal y Directorio / Personnel and directors' expenses -104,085 -95,939 -22,838 -21,603 -192,167 -194,489 -105,936 -94,355 -70,306 -79,517
Gastos por Servicios Recibidos de Terceros / Third party service expenses -169,601 -190,949 -68,036 -55,715 -61,575 -63,895 -43,173 -39,503 -223,030 -244,474
Impuestos y Contribuciones / Taxes and levies -5,113 -4,716 -2,996 -2,325 -1,193 -1,320 -1,481 -1,325 -5,158 -5,053
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION -3,591 -4,526 -5,345 -4,381 -12,128 -9,355 -5,514 -5,532 -12,402 -10,800
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN 67,366 61,087 33,971 8,689 22,215 22,929 79,710 64,716 -7,369 -87,916
Provisiones para créditos indirectos / Provisions for indirect loans 0 308 0 0 0 0 -12 -1 0 0
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable -2,370 -2,584 -5,347 -66 -2,841 -2,304 -3,122 -90 -8,613 -10,039
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others -28 -132 0 0 10 23 285 148 0 0
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 35 86 0 0 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 0 0 0 0
Deterioro de activos intangibles / Impairment of intangible assets 0 0 0 0 0 0 0 0 0 0
Provisiones para litigios y demandas / Provisions for litigation and complaints 124 -861 0 0 -719 -19 0 0 -405 -365
Otras provisiones / Others Provisions 0 0 0 0 -111 -83 0 0 0 0
RESULTADO DE OPERACIÓN / OPERATING PROFITS 65,127 57,904 28,624 8,623 18,554 20,546 76,861 64,773 -16,387 -98,320
Otros ingresos y egresos / Other income and expenses -945 17,880 12,558 7,198 -1,634 -1,319 1,778 1,302 -16,812 -5,859
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX 64,182 75,784 41,182 15,821 16,920 19,227 78,639 66,075 -33,199 -104,179
IMPUESTO A LA RENTA / INCOME TAX -17,247 -14,458 -14,770 -5,692 -4,224 -7,208 -18,215 -17,508 954 19,605
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) 46,935 61,326 26,412 10,129 12,696 12,019 60,424 48,567 -32,245 -84,574
INDICADORES FINANCIEROS / FINANCIAL RATIOS 31/12/2024 31/12/2024 31/12/2024 31/12/2024 31/12/2024
Liquidez / Liquid Ratio 29.68 n.d. 125.20 n.d. 16.25
Disponible % 10.79 0.78 11.64 4.53 14.74
Solvencia / Solvency 2.72 5.63 6.15 4.62 3.71
Eficiencia y Gestión % 40.79 38.87 57.41 34.50 52.02
Intermediación Financiera % 88.29 77.37 95.18 88.53 71.21
Rentabilidad sobre Activos % / Return on Assets % 1.74 1.91 0.47 3.42 -.-
Rentabilidad de Patrimonio % / Return on Equity % 6.15 11.42 3.03 16.58 -.-
* Estados Financieros expresados en miles de US$