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 Financiera Proempresa Financiera Qapaq Fondo Mivivienda ICBC Perú Bank INTERBANK
CIIU 65994 6599 65994 6419 6519
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 127,371 107,605 91,467 95,148 1,157,058 3,069,470 1,270,180 899,854 11,473,735 8,596,040
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 0 0 0 0 0 0 220,060 524,915
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES 0 0 0 0 0 0 0 0 8,538 0
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE 0 0 0 9 305,381 0 209,401 149,698 7,378,569 8,568,966
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS 9,903 8,851 7,923 4,942 47,484 52,919 179,497 178,565 3,796,852 3,391,081
CARTERA DE CREDITOS / LOANS PORTFOLIO 489,739 552,383 188,917 284,171 16,767 21,271 998,431 1,043,823 47,190,332 44,734,494
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes 0 0 0 0 0 0 0 0 73,167 99,726
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes 0 0 0 0 23,810 59,474 0 0 16,247 2,982
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE 1,193 2,302 1,371 2,298 11,331,646 10,843,558 1,003 952 640,685 241,545
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE 3,857 2,587 809 1,563 0 0 0 0 7,409 16,119
PARTICIPACIONES / PROFIT SHARING 0 0 0 0 0 0 0 0 187,913 166,434
Subsidiarias / Subsidiaries 0 0 0 0 0 0 0 0 40,161 32,129
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures 0 0 0 0 0 0 0 0 147,752 134,305
Otras / Other 0 0 0 0 0 0 0 0 0 0
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET) 10,525 13,803 11,655 13,428 1,861 1,370 2,305 2,459 324,208 334,321
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL 1,730 1,238 354 268 12,938 8,813 23 0 602,599 598,164
PLUSVALIA / GOODWILL 0 0 4,842 5,187 0 0 0 0 0 0
IMPUESTOS CORRIENTES / CURRENT TAX 4,569 6,128 3,675 3,069 36,401 31,366 9,899 11,657 579,337 354,589
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 7,027 4,534 16,322 18,610 65,130 61,191 6,413 6,090 93,370 184,833
ACTIVOS NO CORRIENTES MANTENIDOS PARA LA VENTA / NON-CURRENT ASSETS HELD FOR SALE 1,570 0 0 0 0 0 0 0 0 0
OTROS ACTIVOS / OTHER ASSETS (NET) 0 2,250 3,260 2,506 19,433 7,473 2,163 476 233,419 175,934
TOTAL DEL ACTIVO / TOTAL ASSETS 657,484 701,681 330,595 431,199 13,017,909 14,156,905 2,679,315 2,293,574 72,826,440 67,990,143
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC 560,478 572,165 260,709 358,276 243 234 1,665,777 1,414,461 50,336,564 44,067,300
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 0 0 0 0 0 0 0 119,712
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. 0 0 0 0 0 0 10,003 0 845,090 2,029,193
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS 22,526 46,186 10,713 10,976 8,307,247 8,883,130 446,369 368,869 11,632,841 12,922,521
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES 0 0 0 0 0 0 0 0 87,101 100,783
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES 0 0 0 0 352,539 354,493 0 0 3,819 34,315
CUENTAS POR PAGAR / ACCOUNTS PAYABLE 6,563 13,097 5,876 7,065 745,803 1,365,276 6,044 7,631 875,668 620,945
PROVISIONES / PROVISIONS 849 807 47 1,031 3,361 2,720 6,735 8,045 131,049 131,244
IMPUESTOS CORRIENTES / CURRENT TAX 0 0 0 0 0 0 0 0 0 0
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 0 0 0 0 0 0 1,769 1,037 0 0
OTROS PASIVOS / OTHER LIABILITIES 73 482 1,979 181 48,147 50,728 7,578 7,823 459,481 251,288
TOTAL DEL PASIVO / TOTAL LIABILITIES 590,489 632,737 279,324 377,529 9,457,340 10,656,581 2,144,275 1,807,866 64,371,613 60,277,301
Capital social / Capital stock 77,715 77,715 91,105 76,105 3,562,560 3,479,607 364,780 364,780 6,314,084 5,910,627
Capital adicional / Additional capital 82 82 10,500 15,000 0 0 0 0 -15,523 -15,523
Acciones Propias en Cartera / Treasury shares 0 0 0 0 0 0 0 0 -18,387 -18,387
Reservas / Reserves 7,038 7,038 0 0 50,084 40,867 134,502 80,407 1,373,010 1,283,157
Resultados Acumulados / Retained earnings -15,891 -1,800 -37,435 -20,895 -449 -490 0 0 0 -1,964
Resultado Neto del Ejercicio / Net profits for fiscal year -1,949 -14,091 -12,899 -16,540 83,527 92,169 40,232 54,095 933,670 900,498
Ajustes al Patrimonio / Adjustments to equity 0 0 0 0 -135,153 -111,829 -4,474 -13,574 -132,027 -345,566
TOTAL DEL PATRIMONIO / TOTAL EQUITY 66,995 68,944 51,271 53,670 3,560,569 3,500,324 535,040 485,708 8,454,827 7,712,842
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY 657,484 701,681 330,595 431,199 13,017,909 14,156,905 2,679,315 2,293,574 72,826,440 67,990,143
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 141,858 136,375 95,871 119,631 812,089 831,304 155,762 152,151 5,913,208 5,957,524
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES -46,756 -47,144 -21,159 -26,517 -476,611 -455,819 -104,382 -78,450 -2,124,356 -2,278,370
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN 95,102 89,231 74,712 93,114 335,478 375,485 51,380 73,701 3,788,852 3,679,154
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans -32,993 -39,161 -36,577 -46,128 1,140 3,312 250 -3,149 -1,769,217 -1,777,064
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN 62,109 50,070 38,135 46,986 336,618 378,797 51,630 70,552 2,019,635 1,902,090
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME 4,445 2,692 3,480 5,162 4,814 6,236 24,990 28,931 1,162,997 1,163,448
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES -5,436 -5,141 -4,590 -10,610 -1,870 -2,258 -422 -436 -544,161 -509,738
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES 61,118 47,621 37,025 41,538 339,562 382,775 76,198 99,047 2,638,471 2,555,800
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS 379 547 11,044 4,902 -121,139 -128,646 6,647 3,889 475,190 429,041
MARGEN OPERACIONAL / OPERATING MARGIN 61,497 48,168 48,069 46,440 218,423 254,129 82,845 102,936 3,113,661 2,984,841
Gastos de Personal y Directorio / Personnel and directors' expenses -38,513 -39,861 -33,539 -42,631 -35,537 -34,207 -22,617 -24,945 -645,971 -618,489
Gastos por Servicios Recibidos de Terceros / Third party service expenses -19,457 -17,594 -21,338 -20,733 -24,662 -22,649 -6,716 -5,752 -1,023,204 -983,290
Impuestos y Contribuciones / Taxes and levies -560 -402 -418 -439 -477 -621 -1,707 -1,822 -30,994 -30,291
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION -2,390 -1,664 -1,680 -2,534 -3,060 -1,994 -396 -395 -261,581 -235,588
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN 577 -11,353 -8,906 -19,897 154,687 194,658 51,409 70,022 1,151,911 1,117,183
Provisiones para créditos indirectos / Provisions for indirect loans 0 0 0 0 0 0 1,292 3,703 0 0
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable -2,877 -1,758 -119 -278 -36,077 -64,908 0 0 -6,462 -4,284
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others -439 -647 402 -332 0 0 0 0 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 0 0 -1 0 0 0 0 0 -131 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 -345 0 0 0 0 0 0 0
Provisiones para litigios y demandas / Provisions for litigation and complaints -55 -261 -38 -23 -1,295 -780 0 0 -3,475 -820
Otras provisiones / Others Provisions 0 0 0 0 -437 -392 54 -128 -7,154 -3,055
RESULTADO DE OPERACIÓN / OPERATING PROFITS -2,794 -14,019 -9,007 -20,530 116,878 128,578 52,755 73,597 1,134,689 1,109,024
Otros ingresos y egresos / Other income and expenses 185 -322 -1,604 -910 3,116 2,182 -171 -446 22,080 17,499
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX -2,609 -14,341 -10,611 -21,440 119,994 130,760 52,584 73,151 1,156,769 1,126,523
IMPUESTO A LA RENTA / INCOME TAX 660 250 -2,288 4,900 -36,467 -38,591 -12,352 -19,056 -223,099 -226,025
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) -1,949 -14,091 -12,899 -16,540 83,527 92,169 40,232 54,095 933,670 900,498
INDICADORES FINANCIEROS / FINANCIAL RATIOS 31/12/2024 31/12/2024 31/12/2024 31/12/2024 31/12/2024
Liquidez / Liquid Ratio 445.35 28.53 n.d. 5.85 0.94
Disponible % 19.37 27.67 8.89 47.41 15.75
Solvencia / Solvency 6.97 3.07 2.62 4.29 8.37
Eficiencia y Gestión % 58.03 68.83 18.63 40.94 35.69
Intermediación Financiera % 96.84 98.08 99.03 86.26 83.30
Rentabilidad sobre Activos % / Return on Assets % -.- -.- 0.64 1.50 1.28
Rentabilidad de Patrimonio % / Return on Equity % -.- -.- 2.35 7.52 11.04
* Estados Financieros expresados en miles de US$