| Estados Financieros Comparados |
Actualizado al 10 de marzo de 2025 |
|
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT
|
Diversas/ASSORTED
|
|
CIFRAS EXPRESADAS EN MILES DE SOLES
|
|
Empresa/Cuenta
|
Credicorp Ltd.
|
Intercorp Financial Serv.
|
JP Morgan Bco. de Inv.
|
Solución EAH
|
|
|
CIIU
|
6599
|
9199
|
6499
|
6592
|
|
|
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
|
|
|
|
DISPONIBLE / FUNDS AVAILABLE
|
399,943
|
529,773
|
181,971
|
148,941
|
74,836
|
3,779
|
996
|
3,691
|
|
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
0
|
17,604
|
86,547
|
0
|
0
|
|
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
501,026
|
156,529
|
114,650
|
247,993
|
234,843
|
0
|
0
|
|
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
1,262,327
|
1,418,293
|
39,966
|
38,731
|
0
|
0
|
0
|
0
|
|
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
695,652
|
166,977
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
0
|
0
|
0
|
0
|
0
|
0
|
60,403
|
71,787
|
|
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
0
|
0
|
0
|
0
|
28,415
|
8,074
|
0
|
0
|
|
|
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
0
|
0
|
54,218
|
56,044
|
0
|
0
|
0
|
0
|
|
|
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
0
|
0
|
1,726
|
1,331
|
31,145
|
10,440
|
0
|
0
|
|
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
PARTICIPACIONES / PROFIT SHARING
|
38,291,133
|
36,150,565
|
11,608,593
|
10,694,384
|
0
|
0
|
274
|
260
|
|
|
|
Subsidiarias / Subsidiaries
|
38,291,133
|
36,150,565
|
11,608,593
|
10,694,384
|
0
|
0
|
0
|
0
|
|
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
0
|
0
|
0
|
0
|
0
|
0
|
274
|
260
|
|
|
|
Otras / Other
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
0
|
0
|
0
|
0
|
618
|
669
|
0
|
0
|
|
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
0
|
0
|
0
|
0
|
170
|
175
|
0
|
0
|
|
|
|
PLUSVALIA / GOODWILL
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
466
|
177
|
|
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
0
|
0
|
3,353
|
3,376
|
493
|
719
|
|
|
|
ACTIVOS NO CORRIENTES MANTENIDOS PARA LA VENTA / NON-CURRENT ASSETS HELD FOR SALE
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
OTROS ACTIVOS / OTHER ASSETS (NET)
|
6,777
|
99
|
870
|
762
|
106,608
|
259
|
56
|
96
|
|
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
40,655,832
|
38,766,733
|
12,043,873
|
11,054,843
|
510,742
|
348,162
|
62,688
|
76,730
|
|
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
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
|
0
|
0
|
0
|
0
|
|
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
1,829,657
|
1,829,724
|
1,069,661
|
1,052,011
|
0
|
0
|
40,664
|
53,428
|
|
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
0
|
0
|
0
|
0
|
10,187
|
68,643
|
0
|
0
|
|
|
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
0
|
0
|
11,368
|
10,286
|
0
|
0
|
0
|
0
|
|
|
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
40,925
|
36,882
|
18,203
|
12,041
|
14,405
|
46,377
|
312
|
284
|
|
|
|
PROVISIONES / PROVISIONS
|
0
|
0
|
29,406
|
30,288
|
0
|
0
|
0
|
0
|
|
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
0
|
0
|
14,979
|
701
|
0
|
0
|
|
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
189,735
|
218,825
|
0
|
0
|
147,495
|
48
|
0
|
0
|
|
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
2,060,317
|
2,085,431
|
1,128,638
|
1,104,626
|
187,066
|
115,769
|
40,976
|
53,712
|
|
|
|
Capital social / Capital stock
|
1,318,993
|
1,318,993
|
1,038,017
|
1,038,017
|
83,400
|
83,400
|
10,860
|
10,860
|
|
|
|
Capital adicional / Additional capital
|
384,542
|
384,542
|
532,771
|
532,771
|
0
|
0
|
-201
|
-201
|
|
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
-206,997
|
-84,309
|
0
|
0
|
0
|
0
|
|
|
|
Reservas / Reserves
|
26,651,390
|
25,905,526
|
8,300,000
|
6,000,000
|
80,649
|
80,649
|
10,038
|
10,038
|
|
|
|
Resultados Acumulados / Retained earnings
|
4,019,204
|
3,775,635
|
139,196
|
1,848,803
|
68,344
|
26,934
|
0
|
0
|
|
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
6,185,851
|
5,228,550
|
1,300,078
|
1,072,728
|
91,283
|
41,410
|
974
|
2,280
|
|
|
|
Ajustes al Patrimonio / Adjustments to equity
|
35,535
|
68,056
|
-187,830
|
-457,793
|
0
|
0
|
41
|
41
|
|
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
38,595,515
|
36,681,302
|
10,915,235
|
9,950,217
|
323,676
|
232,393
|
21,712
|
23,018
|
|
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
40,655,832
|
38,766,733
|
12,043,873
|
11,054,843
|
510,742
|
348,162
|
62,688
|
76,730
|
|
|
|
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
|
|
|
|
TOTAL INGRESOS POR INTERESES / TOTAL INTEREST INCOME
|
93,486
|
10,894
|
8,946
|
7,759
|
19,200
|
16,137
|
5,266
|
6,364
|
|
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-54,643
|
-56,260
|
-61,184
|
-60,904
|
-328
|
-394
|
-3,887
|
-4,059
|
|
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
38,843
|
-45,366
|
-52,238
|
-53,145
|
18,872
|
15,743
|
1,379
|
2,305
|
|
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
0
|
0
|
0
|
0
|
0
|
0
|
1,338
|
1,205
|
|
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
38,843
|
-45,366
|
-52,238
|
-53,145
|
18,872
|
15,743
|
2,717
|
3,510
|
|
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
0
|
0
|
0
|
0
|
48,558
|
16,087
|
0
|
0
|
|
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-84
|
-76
|
0
|
0
|
-265
|
-297
|
-1
|
-3
|
|
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
38,759
|
-45,442
|
-52,238
|
-53,145
|
67,165
|
31,533
|
2,716
|
3,507
|
|
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
6,311,844
|
5,508,610
|
1,413,784
|
1,188,087
|
76,041
|
44,308
|
-41
|
740
|
|
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
6,350,603
|
5,463,168
|
1,361,546
|
1,134,942
|
143,206
|
75,841
|
2,675
|
4,247
|
|
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-2,659
|
-2,778
|
0
|
0
|
-18,932
|
-18,382
|
0
|
0
|
|
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-12,814
|
-22,055
|
-35,618
|
-29,194
|
-5,451
|
-5,038
|
-713
|
-880
|
|
|
|
Impuestos y Contribuciones / Taxes and levies
|
-2,612
|
-531
|
0
|
0
|
-1,280
|
-1,302
|
-142
|
-170
|
|
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
0
|
0
|
0
|
0
|
-234
|
-176
|
0
|
0
|
|
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
6,332,518
|
5,437,804
|
1,325,928
|
1,105,748
|
117,309
|
50,943
|
1,820
|
3,197
|
|
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
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
|
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
|
|
|
|
Deterioro de inversiones / Impairment of investments
|
46
|
-16
|
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
|
|
|
|
Deterioro de activos intangibles / Impairment of intangible assets
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
Otras provisiones / Others Provisions
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
6,332,564
|
5,437,788
|
1,325,928
|
1,105,748
|
117,309
|
50,943
|
1,820
|
3,197
|
|
|
|
Otros ingresos y egresos / Other income and expenses
|
0
|
0
|
0
|
0
|
255
|
1,611
|
-318
|
61
|
|
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
6,332,564
|
5,437,788
|
1,325,928
|
1,105,748
|
117,564
|
52,554
|
1,502
|
3,258
|
|
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-146,713
|
-209,238
|
-25,850
|
-33,020
|
-26,281
|
-11,144
|
-528
|
-978
|
|
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
6,185,851
|
5,228,550
|
1,300,078
|
1,072,728
|
91,283
|
41,410
|
974
|
2,280
|
|
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/12/2024
|
31/12/2024
|
31/12/2024
|
31/12/2024
|
|
|
Liquidez / Liquid Ratio
|
n.d.
|
|
n.d.
|
|
n.d.
|
|
n.d.
|
|
|
|
Disponible %
|
0.98
|
|
1.51
|
|
14.65
|
|
1.59
|
|
|
|
Solvencia / Solvency
|
0.07
|
|
0.12
|
|
1.14
|
|
1.96
|
|
|
|
Eficiencia y Gestión %
|
46.46
|
|
-.-
|
|
38.26
|
|
61.96
|
|
|
|
Intermediación Financiera %
|
100.00
|
|
100.00
|
|
28.23
|
|
106.43
|
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
15.22
|
|
10.79
|
|
17.87
|
|
1.55
|
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
16.03
|
|
11.91
|
|
28.20
|
|
4.49
|
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|