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 Alfin Banco BanBif Banco BBVA Peru Banco Bci Peru Banco Falabella
CIIU 6419 6519 6519 6519 65197
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 242,045 184,471 3,876,187 2,880,734 13,526,288 9,421,531 334,704 400,308 784,742 365,097
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 3,001 0 20,005 17,009 0 35,019 32,655 37,107
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES 0 0 0 19,605 4,105,896 4,387,392 40,489 0 0 0
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE 198,475 118,569 2,471,251 2,501,716 11,336,273 10,755,072 605,731 240,254 485,428 436,846
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS 0 0 831,496 818,552 0 0 0 0 0 0
CARTERA DE CREDITOS / LOANS PORTFOLIO 689,961 677,163 13,806,562 13,387,455 74,074,772 70,617,356 1,431,543 923,647 3,265,576 3,406,914
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes 0 0 48,536 80,126 995,396 1,237,496 35,634 29,470 0 0
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes 0 0 3,912 0 10,180 0 0 0 0 0
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE 22,890 30,150 51,190 67,519 220,758 120,641 1,825 1,779 168,325 161,842
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE 0 0 34,050 42,111 58,808 118,776 0 0 0 0
PARTICIPACIONES / PROFIT SHARING 0 0 0 0 280,262 257,177 0 0 39,748 38,179
Subsidiarias / Subsidiaries 0 0 0 0 267,580 251,443 0 0 21,312 19,492
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures 0 0 0 0 12,682 5,734 0 0 18,436 18,687
Otras / Other 0 0 0 0 0 0 0 0 0 0
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET) 38,233 22,187 128,980 139,114 1,202,028 1,192,905 5,665 6,622 32,696 33,516
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL 4,098 5,626 82,685 67,516 433,803 398,527 37,720 42,385 79,793 93,605
PLUSVALIA / GOODWILL 0 0 0 0 0 0 0 0 0 0
IMPUESTOS CORRIENTES / CURRENT TAX 5,998 6,145 300,009 230,484 695,418 596,672 7,143 547 4,333 29,030
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 69,346 81,747 137,662 124,258 807,792 783,653 9,088 9,268 69,211 76,476
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) 11,720 16,705 77,853 743,373 3,461,591 4,508,552 26,267 5,288 34,931 40,568
TOTAL DEL ACTIVO / TOTAL ASSETS 1,282,766 1,142,763 21,853,374 21,102,563 111,229,270 104,412,759 2,535,809 1,694,587 4,997,438 4,719,180
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC 1,044,627 949,211 15,801,535 14,251,873 79,421,807 69,208,117 1,238,375 913,687 3,278,977 3,072,227
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 155,040 0 94,084 378,451 52,014 29,016 37,010 73,140
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. 8,296 0 139,301 110,081 923,009 1,665,432 175,967 2,227 46,191 11,181
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS 78,767 48,772 2,913,129 2,918,524 7,332,438 5,903,205 423,520 112,735 206,494 421,316
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES 0 0 45,364 74,883 821,514 1,076,972 29,275 40,550 0 0
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES 0 0 3,060 0 78,602 93,486 0 0 0 0
CUENTAS POR PAGAR / ACCOUNTS PAYABLE 22,899 12,912 638,671 1,125,550 4,959,096 8,692,475 14,572 13,829 193,152 74,331
PROVISIONES / PROVISIONS 6,174 6,010 116,813 92,441 1,489,914 1,252,398 151 90 43,118 41,599
IMPUESTOS CORRIENTES / CURRENT TAX 0 0 0 0 0 0 0 0 0 0
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 0 0 33,496 27,697 0 0 0 0 0 0
OTROS PASIVOS / OTHER LIABILITIES 6,358 5,843 91,985 759,986 2,809,562 3,773,374 12,004 124 190,085 111,190
TOTAL DEL PASIVO / TOTAL LIABILITIES 1,167,121 1,022,748 19,938,394 19,361,035 97,930,026 92,043,910 1,945,878 1,112,258 3,995,027 3,804,984
Capital social / Capital stock 272,178 209,148 1,461,418 1,335,507 8,894,852 8,147,211 609,923 609,923 807,927 807,927
Capital adicional / Additional capital -43,030 15,000 81,478 81,478 0 0 0 0 0 0
Acciones Propias en Cartera / Treasury shares 0 0 0 0 0 0 0 0 0 0
Reservas / Reserves 0 0 178,116 160,129 2,432,622 2,245,122 0 0 105,827 151,628
Resultados Acumulados / Retained earnings -114,779 -104,335 0 0 0 0 -29,351 -26,112 0 0
Resultado Neto del Ejercicio / Net profits for fiscal year 1,277 214 200,087 179,873 1,886,405 1,869,103 9,195 -3,238 83,012 -45,801
Ajustes al Patrimonio / Adjustments to equity -1 -12 -6,119 -15,459 85,365 107,413 164 1,756 5,645 442
TOTAL DEL PATRIMONIO / TOTAL EQUITY 115,645 120,015 1,914,980 1,741,528 13,299,244 12,368,849 589,931 582,329 1,002,411 914,196
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY 1,282,766 1,142,763 21,853,374 21,102,563 111,229,270 104,412,759 2,535,809 1,694,587 4,997,438 4,719,180
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 277,515 278,005 1,607,121 1,495,626 8,075,266 7,574,812 122,157 63,719 1,182,700 1,197,420
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES -72,010 -62,561 -896,292 -914,877 -2,246,080 -2,230,286 -75,222 -29,498 -190,429 -238,643
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN 205,505 215,444 710,829 580,749 5,829,186 5,344,526 46,935 34,221 992,271 958,777
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans -107,819 -145,025 -247,652 -143,842 -2,229,543 -1,964,303 -9,836 -15,888 -561,610 -738,626
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN 97,686 70,419 463,177 436,907 3,599,643 3,380,223 37,099 18,333 430,661 220,151
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME 45,709 62,703 229,170 207,396 1,806,356 1,691,831 28,567 19,147 314,154 317,421
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES -10,036 -8,571 -109,945 -98,131 -761,048 -698,693 -1,324 -532 -26,870 -42,473
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES 133,359 124,551 582,402 546,172 4,644,951 4,373,361 64,342 36,948 717,945 495,099
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS 11,228 13,971 90,296 55,531 957,534 855,743 9,070 7,796 -24,519 -9,107
MARGEN OPERACIONAL / OPERATING MARGIN 144,587 138,522 672,698 601,703 5,602,485 5,229,104 73,412 44,744 693,426 485,992
Gastos de Personal y Directorio / Personnel and directors' expenses -66,043 -70,171 -241,164 -224,507 -1,222,051 -1,116,128 -28,563 -19,994 -151,047 -152,839
Gastos por Servicios Recibidos de Terceros / Third party service expenses -47,395 -53,096 -97,326 -89,813 -1,391,973 -1,285,643 -22,208 -18,496 -391,228 -379,224
Impuestos y Contribuciones / Taxes and levies -722 -593 -19,053 -17,294 -55,254 -51,413 -781 -387 -4,419 -8,624
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION -4,513 -6,457 -43,092 -37,341 -268,643 -230,771 -11,967 -9,737 -38,114 -52,266
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN 25,914 8,205 272,063 232,748 2,664,564 2,545,149 9,893 -3,870 108,618 -106,961
Provisiones para créditos indirectos / Provisions for indirect loans -54 -72 -4,735 1,735 9,734 -18,499 -60 -92 150 1
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable -1,073 -508 -2,937 6,538 -53,014 -36,906 0 0 -8,173 -6,831
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 -10,417 6,009 -33,749 3,977 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 -1,328 0 -16 0 11,830 0 0 0 0
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment 0 0 -223 -63 -37,000 0 0 0 0 0
Deterioro de activos intangibles / Impairment of intangible assets 0 0 0 0 -29,713 -45,056 0 0 0 0
Provisiones para litigios y demandas / Provisions for litigation and complaints -8,846 -3,717 -1,758 -927 -58,453 -7,112 0 -25 -803 -433
Otras provisiones / Others Provisions 0 -3 -331 0 -61,117 -101,854 -27 0 -24 0
RESULTADO DE OPERACIÓN / OPERATING PROFITS 15,941 2,577 251,662 246,024 2,401,252 2,351,529 9,806 -3,987 99,768 -114,224
Otros ingresos y egresos / Other income and expenses -11,895 -2,166 -20,280 -17,889 17,240 68,602 1,411 -10 7,165 48,067
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX 4,046 411 231,382 228,135 2,418,492 2,420,131 11,217 -3,997 106,933 -66,157
IMPUESTO A LA RENTA / INCOME TAX -2,769 -197 -31,295 -48,262 -532,087 -551,028 -2,022 759 -23,921 20,356
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) 1,277 214 200,087 179,873 1,886,405 1,869,103 9,195 -3,238 83,012 -45,801
INDICADORES FINANCIEROS / FINANCIAL RATIOS 31/12/2024 31/12/2024 31/12/2024 31/12/2024 31/12/2024
Liquidez / Liquid Ratio 2.98 0.82 0.50 1.25 373.86
Disponible % 18.87 17.74 12.16 13.20 15.70
Solvencia / Solvency 4.29 12.16 8.65 3.19 4.37
Eficiencia y Gestión % 45.43 38.16 34.99 82.68 43.86
Intermediación Financiera % 89.14 88.50 81.58 80.30 78.64
Rentabilidad sobre Activos % / Return on Assets % 0.10 0.92 1.70 0.36 1.66
Rentabilidad de Patrimonio % / Return on Equity % 1.10 10.45 14.18 1.56 8.28
* Estados Financieros expresados en miles de US$