| 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
|
Mibanco
|
Mitsui Auto Finance Perú
|
Santander Financiamientos
|
Scotiabank Perú
|
Total Serv. Fin. Emp. C.
|
|
CIIU
|
6519
|
6591
|
6419
|
6519
|
6591
|
|
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
|
1,833,225
|
1,091,436
|
33,208
|
35,752
|
50,910
|
16,324
|
13,114,169
|
10,902,789
|
11,456
|
15,444
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
30,016
|
0
|
0
|
0
|
0
|
0
|
74,213
|
0
|
0
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
0
|
0
|
0
|
6,987
|
0
|
1,459,041
|
909,330
|
0
|
0
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
2,850,156
|
2,409,440
|
0
|
0
|
0
|
0
|
6,314,827
|
4,613,692
|
0
|
0
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
62,973
|
142,231
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
11,221,182
|
12,171,136
|
1,427,053
|
1,313,417
|
306,405
|
282,127
|
45,393,303
|
49,154,600
|
397,581
|
342,915
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
9,125
|
23,973
|
0
|
0
|
0
|
0
|
190,183
|
431,155
|
0
|
0
|
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
0
|
937
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
39,106
|
29,481
|
12,634
|
18,115
|
3,087
|
1,694
|
1,004,047
|
1,343,512
|
5,619
|
8,924
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
1
|
12
|
0
|
0
|
0
|
0
|
30,557
|
38,410
|
2,888
|
4,286
|
|
PARTICIPACIONES / PROFIT SHARING
|
298
|
282
|
2,832
|
4,486
|
0
|
0
|
905,125
|
1,283,061
|
0
|
0
|
|
Subsidiarias / Subsidiaries
|
298
|
282
|
0
|
0
|
0
|
0
|
867,380
|
1,244,953
|
0
|
0
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
0
|
0
|
2,832
|
4,486
|
0
|
0
|
37,745
|
38,108
|
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)
|
112,513
|
120,316
|
6,144
|
6,587
|
1,569
|
1,534
|
276,743
|
294,845
|
15,168
|
15,234
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
169,677
|
156,885
|
13,884
|
14,436
|
16,278
|
8,356
|
200,887
|
173,724
|
7,114
|
7,041
|
|
PLUSVALIA / GOODWILL
|
139,180
|
139,180
|
0
|
0
|
0
|
0
|
287,074
|
287,074
|
0
|
0
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
103,105
|
119,014
|
1,616
|
3,786
|
2,025
|
856
|
268,170
|
228,610
|
10,539
|
4,262
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
93,956
|
120,661
|
0
|
1,783
|
19,273
|
14,317
|
571,977
|
424,514
|
2,969
|
2,606
|
|
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)
|
29,276
|
29,041
|
47,700
|
44,387
|
679
|
818
|
398,735
|
261,709
|
17,132
|
15,378
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
16,663,773
|
16,584,041
|
1,545,071
|
1,442,749
|
407,213
|
326,026
|
70,414,838
|
70,421,238
|
470,466
|
416,090
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
10,955,889
|
9,903,118
|
399
|
450
|
91,755
|
0
|
48,005,264
|
42,260,423
|
0
|
0
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
52,014
|
55,660
|
0
|
0
|
0
|
0
|
183,050
|
67,036
|
0
|
0
|
|
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG.
|
113,174
|
104,338
|
0
|
0
|
8,096
|
0
|
336,324
|
836,769
|
0
|
0
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
2,242,950
|
2,966,923
|
1,134,321
|
1,088,175
|
184,301
|
245,807
|
6,706,444
|
11,107,679
|
371,980
|
319,144
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
15,722
|
17,309
|
0
|
0
|
0
|
0
|
180,876
|
462,934
|
0
|
0
|
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
5,240
|
12,800
|
0
|
0
|
0
|
0
|
54
|
0
|
0
|
0
|
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
687,430
|
617,579
|
40,929
|
31,819
|
7,466
|
7,348
|
2,058,538
|
3,307,787
|
10,391
|
3,276
|
|
PROVISIONES / PROVISIONS
|
31,152
|
35,317
|
109
|
0
|
0
|
0
|
275,355
|
312,518
|
1,640
|
1,364
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
2,374
|
0
|
0
|
0
|
0
|
0
|
2,909
|
2,909
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
20,640
|
5,934
|
10,714
|
19,317
|
579
|
156
|
760,615
|
483,561
|
7,233
|
11,146
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
14,124,211
|
13,718,978
|
1,188,846
|
1,139,761
|
292,197
|
253,311
|
58,506,520
|
58,838,707
|
394,153
|
337,839
|
|
Capital social / Capital stock
|
1,840,606
|
1,840,606
|
234,218
|
202,238
|
173,692
|
117,922
|
8,226,779
|
8,226,779
|
66,829
|
66,829
|
|
Capital adicional / Additional capital
|
0
|
0
|
0
|
0
|
0
|
0
|
33,079
|
33,079
|
0
|
0
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
0
|
0
|
0
|
0
|
-2
|
-2
|
0
|
0
|
|
Reservas / Reserves
|
334,650
|
308,056
|
60,196
|
56,645
|
0
|
0
|
1,704,337
|
1,630,645
|
7,052
|
6,579
|
|
Resultados Acumulados / Retained earnings
|
57,604
|
451,978
|
8,438
|
8,574
|
-45,207
|
-22,315
|
1,083,138
|
1,083,138
|
114
|
114
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
311,969
|
265,941
|
53,373
|
35,531
|
-13,469
|
-22,892
|
957,613
|
736,925
|
2,318
|
4,729
|
|
Ajustes al Patrimonio / Adjustments to equity
|
-5,267
|
-1,518
|
0
|
0
|
0
|
0
|
-96,626
|
-128,033
|
0
|
0
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
2,539,562
|
2,865,063
|
356,225
|
302,988
|
115,016
|
72,715
|
11,908,318
|
11,582,531
|
76,313
|
78,251
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
16,663,773
|
16,584,041
|
1,545,071
|
1,442,749
|
407,213
|
326,026
|
70,414,838
|
70,421,238
|
470,466
|
416,090
|
|
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
|
3,124,155
|
3,136,150
|
266,689
|
226,562
|
90,269
|
71,937
|
5,043,177
|
5,150,368
|
68,062
|
66,274
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-789,640
|
-880,355
|
-81,437
|
-65,241
|
-17,261
|
-14,402
|
-1,863,261
|
-2,233,073
|
-28,987
|
-25,878
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
2,334,515
|
2,255,795
|
185,252
|
161,321
|
73,008
|
57,535
|
3,179,916
|
2,917,295
|
39,075
|
40,396
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-707,472
|
-810,409
|
-45,556
|
-44,485
|
-40,365
|
-27,111
|
-1,145,851
|
-1,014,065
|
-13,572
|
-7,861
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
1,627,043
|
1,445,386
|
139,696
|
116,836
|
32,643
|
30,424
|
2,034,065
|
1,903,230
|
25,503
|
32,535
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
122,258
|
110,830
|
38,544
|
31,006
|
11,400
|
6,920
|
939,255
|
920,816
|
17,433
|
14,510
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-58,904
|
-41,835
|
-1,758
|
-1,430
|
-4,225
|
-3,661
|
-420,937
|
-411,346
|
-7,221
|
-6,237
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
1,690,397
|
1,514,381
|
176,482
|
146,412
|
39,818
|
33,683
|
2,552,383
|
2,412,700
|
35,715
|
40,808
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
12,734
|
10,126
|
27,987
|
22,868
|
84
|
-66
|
399,944
|
422,939
|
398
|
-152
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
1,703,131
|
1,524,507
|
204,469
|
169,280
|
39,902
|
33,617
|
2,952,327
|
2,835,639
|
36,113
|
40,656
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-830,776
|
-815,868
|
-51,108
|
-44,969
|
-42,495
|
-45,922
|
-759,370
|
-735,511
|
-18,334
|
-16,583
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-344,826
|
-334,284
|
-76,346
|
-67,427
|
-11,817
|
-7,977
|
-730,407
|
-722,732
|
-8,167
|
-7,627
|
|
Impuestos y Contribuciones / Taxes and levies
|
-9,662
|
-9,473
|
-13,230
|
-12,511
|
-359
|
-101
|
-96,950
|
-95,214
|
-459
|
-387
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-60,060
|
-51,767
|
-2,749
|
-2,218
|
-1,956
|
-1,244
|
-65,737
|
-71,102
|
-2,017
|
-1,196
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
457,807
|
313,115
|
61,036
|
42,155
|
-16,725
|
-21,627
|
1,299,863
|
1,211,080
|
7,136
|
14,863
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
0
|
0
|
0
|
0
|
0
|
62,749
|
19,816
|
0
|
0
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
0
|
0
|
-817
|
248
|
0
|
0
|
-5,029
|
-4,524
|
-1,408
|
-1,650
|
|
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others
|
-11
|
-11
|
0
|
0
|
0
|
0
|
-14,664
|
-19,397
|
-3,799
|
-2,642
|
|
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
|
-1,652
|
0
|
0
|
0
|
-232,315
|
-231,315
|
0
|
0
|
|
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment
|
0
|
0
|
0
|
0
|
0
|
0
|
-159
|
-997
|
0
|
0
|
|
Deterioro de activos intangibles / Impairment of intangible assets
|
0
|
0
|
0
|
0
|
0
|
0
|
-8,047
|
-2,265
|
0
|
0
|
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
128
|
559
|
-39
|
-14
|
0
|
0
|
-5,803
|
-5,220
|
-407
|
-83
|
|
Otras provisiones / Others Provisions
|
0
|
0
|
0
|
0
|
0
|
0
|
-1,523
|
-94
|
1
|
0
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
457,924
|
313,663
|
58,528
|
42,389
|
-16,725
|
-21,627
|
1,095,072
|
967,084
|
1,523
|
10,488
|
|
Otros ingresos y egresos / Other income and expenses
|
-58,972
|
-38,778
|
19,852
|
9,713
|
-1,555
|
-8,132
|
43,117
|
44,305
|
2,049
|
-3,386
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
398,952
|
274,885
|
78,380
|
52,102
|
-18,280
|
-29,759
|
1,138,189
|
1,011,389
|
3,572
|
7,102
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-86,983
|
-8,944
|
-25,007
|
-16,571
|
4,811
|
6,867
|
-180,576
|
-274,464
|
-1,254
|
-2,373
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
311,969
|
265,941
|
53,373
|
35,531
|
-13,469
|
-22,892
|
957,613
|
736,925
|
2,318
|
4,729
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/12/2024
|
31/12/2024
|
31/12/2024
|
31/12/2024
|
31/12/2024
|
|
Liquidez / Liquid Ratio
|
23.87
|
|
n.d.
|
|
n.d.
|
|
0.69
|
|
n.d.
|
|
|
Disponible %
|
11.00
|
|
2.15
|
|
12.50
|
|
18.62
|
|
2.44
|
|
|
Solvencia / Solvency
|
6.49
|
|
4.04
|
|
1.68
|
|
5.89
|
|
5.33
|
|
|
Eficiencia y Gestión %
|
49.50
|
|
63.59
|
|
63.89
|
|
36.40
|
|
45.47
|
|
|
Intermediación Financiera %
|
98.01
|
|
82.04
|
|
90.17
|
|
83.70
|
|
77.75
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
1.87
|
|
3.45
|
|
-.-
|
|
1.36
|
|
0.49
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
12.28
|
|
14.98
|
|
-.-
|
|
8.04
|
|
3.04
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|