| 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
|
Banco de Crédito
|
Banco de la Nación
|
Bank of China (Peru)
|
CMAC Arequipa
|
COFIDE
|
|
CIIU
|
6519
|
6519
|
6419
|
65197
|
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
|
43,923,142
|
29,881,665
|
14,576,739
|
22,238,546
|
2,105,585
|
1,119,615
|
732,047
|
816,160
|
498,694
|
716,876
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
55,660
|
0
|
0
|
56,474
|
186,098
|
0
|
46,017
|
0
|
0
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
603,635
|
362,360
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
20,518,164
|
18,175,618
|
7,601,024
|
4,573,623
|
165,836
|
174,884
|
780,343
|
540,631
|
4,370,914
|
4,121,924
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
7,733,281
|
8,882,781
|
5,309,497
|
5,446,229
|
130,400
|
51,496
|
136,708
|
154,918
|
121,158
|
25,027
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
113,618,387
|
112,372,799
|
17,723,480
|
12,474,830
|
209,680
|
202,900
|
8,932,908
|
8,131,807
|
4,978,677
|
4,678,753
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
648,941
|
726,204
|
0
|
0
|
0
|
0
|
0
|
0
|
7,656
|
1,165
|
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
53,822
|
78,093
|
0
|
0
|
0
|
0
|
28,415
|
24,592
|
0
|
0
|
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
1,354,549
|
1,362,385
|
472,205
|
330,179
|
789
|
625
|
17,961
|
13,504
|
972,335
|
1,127,592
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
67,212
|
12,564
|
0
|
0
|
0
|
0
|
1,198
|
915
|
0
|
0
|
|
PARTICIPACIONES / PROFIT SHARING
|
2,467,698
|
2,771,052
|
0
|
0
|
0
|
0
|
1,417
|
1,358
|
0
|
0
|
|
Subsidiarias / Subsidiaries
|
2,439,718
|
2,750,028
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
27,980
|
21,024
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Otras / Other
|
0
|
0
|
0
|
0
|
0
|
0
|
1,417
|
1,358
|
0
|
0
|
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
1,114,368
|
1,031,534
|
577,905
|
602,265
|
4,728
|
5,109
|
210,547
|
189,889
|
10,836
|
5,586
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
1,653,498
|
1,514,269
|
33,043
|
36,944
|
1,625
|
1,019
|
27,884
|
34,854
|
5,574
|
4,058
|
|
PLUSVALIA / GOODWILL
|
144,841
|
144,841
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
13,656
|
94,122
|
5,745
|
1,190
|
0
|
14,486
|
0
|
0
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
963,790
|
924,937
|
143,911
|
154,645
|
4,279
|
5,319
|
52,898
|
44,824
|
142,302
|
125,363
|
|
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)
|
899,526
|
933,451
|
124,485
|
405,800
|
2,641
|
501
|
518,083
|
72,432
|
18,052
|
13,498
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
195,764,854
|
179,230,213
|
46,575,945
|
46,357,183
|
2,687,782
|
1,748,756
|
11,440,409
|
10,086,387
|
11,126,198
|
10,819,842
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
135,221,227
|
121,016,203
|
40,301,231
|
41,881,109
|
2,363,291
|
1,470,031
|
8,188,885
|
7,129,993
|
15,767
|
51,234
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
298,081
|
354,593
|
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.
|
1,562,656
|
1,416,488
|
459,149
|
550,666
|
0
|
0
|
69,990
|
149,713
|
29,358
|
0
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
21,981,956
|
20,493,082
|
251,520
|
251,642
|
1,516
|
0
|
1,404,444
|
1,615,462
|
8,665,684
|
8,112,024
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
631,870
|
647,828
|
0
|
0
|
0
|
0
|
0
|
0
|
2,044
|
19,945
|
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
11,118
|
35,645
|
0
|
0
|
0
|
0
|
26,369
|
29,185
|
4,841
|
4,236
|
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
9,499,462
|
10,010,833
|
462,990
|
560,188
|
5,316
|
6,343
|
127,500
|
123,034
|
21,623
|
240,511
|
|
PROVISIONES / PROVISIONS
|
602,313
|
610,141
|
396,132
|
251,193
|
10,174
|
8,722
|
1,260
|
767
|
58,685
|
56,129
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
439,438
|
263,009
|
0
|
0
|
0
|
0
|
1,772
|
0
|
5,897
|
14,358
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
22,692
|
28,995
|
0
|
0
|
0
|
0
|
0
|
0
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
549,675
|
407,880
|
930,266
|
276,787
|
6,057
|
8,094
|
559,217
|
46,508
|
100,572
|
116,570
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
170,797,796
|
155,255,702
|
42,823,980
|
43,800,580
|
2,386,354
|
1,493,190
|
10,379,437
|
9,094,662
|
8,904,471
|
8,615,007
|
|
Capital social / Capital stock
|
12,973,175
|
12,973,175
|
2,100,000
|
2,000,000
|
265,200
|
265,200
|
760,873
|
729,419
|
1,970,375
|
1,896,287
|
|
Capital adicional / Additional capital
|
0
|
0
|
1,898
|
1,898
|
0
|
0
|
183
|
183
|
84
|
74,172
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Reservas / Reserves
|
5,799,123
|
6,265,742
|
700,000
|
560,000
|
0
|
0
|
198,567
|
187,465
|
21,513
|
14,327
|
|
Resultados Acumulados / Retained earnings
|
1,372,558
|
719,357
|
21,737
|
-1,004,948
|
-6,700
|
-24,807
|
0
|
0
|
218,927
|
218,927
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
5,216,692
|
4,664,508
|
1,393,315
|
1,652,355
|
39,984
|
18,107
|
101,222
|
74,010
|
71,048
|
71,862
|
|
Ajustes al Patrimonio / Adjustments to equity
|
-394,490
|
-648,271
|
-464,985
|
-652,702
|
2,944
|
-2,934
|
127
|
648
|
-60,220
|
-70,740
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
24,967,058
|
23,974,511
|
3,751,965
|
2,556,603
|
301,428
|
255,566
|
1,060,972
|
991,725
|
2,221,727
|
2,204,835
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
195,764,854
|
179,230,213
|
46,575,945
|
46,357,183
|
2,687,782
|
1,748,756
|
11,440,409
|
10,086,387
|
11,126,198
|
10,819,842
|
|
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
|
14,450,778
|
13,529,940
|
3,177,242
|
3,123,454
|
111,463
|
58,492
|
1,720,656
|
1,549,625
|
579,408
|
562,851
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-3,289,017
|
-3,441,175
|
-71,358
|
-67,417
|
-63,374
|
-24,891
|
-501,552
|
-494,878
|
-480,057
|
-474,704
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
11,161,761
|
10,088,765
|
3,105,884
|
3,056,037
|
48,089
|
33,601
|
1,219,104
|
1,054,747
|
99,351
|
88,147
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-2,664,735
|
-2,557,721
|
-197,828
|
-181,241
|
122
|
-4,579
|
-428,156
|
-310,224
|
-5,831
|
-19,886
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
8,497,026
|
7,531,044
|
2,908,056
|
2,874,796
|
48,211
|
29,022
|
790,948
|
744,523
|
93,520
|
68,261
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
3,735,321
|
3,338,092
|
815,871
|
781,302
|
16,663
|
14,168
|
66,822
|
53,188
|
70,672
|
71,602
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-629,123
|
-563,415
|
-346,610
|
-376,937
|
-200
|
-165
|
-69,176
|
-45,267
|
-11,198
|
-4,496
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
11,603,224
|
10,305,721
|
3,377,317
|
3,279,161
|
64,674
|
43,025
|
788,594
|
752,444
|
152,994
|
135,367
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
1,515,767
|
1,240,634
|
10,398
|
-59,083
|
2,636
|
-31
|
8,305
|
-529
|
34,784
|
39,678
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
13,118,991
|
11,546,355
|
3,387,715
|
3,220,078
|
67,310
|
42,994
|
796,899
|
751,915
|
187,778
|
175,045
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-2,615,491
|
-2,255,245
|
-831,953
|
-596,984
|
-13,171
|
-15,631
|
-404,878
|
-385,196
|
-46,078
|
-42,970
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-2,802,699
|
-2,616,978
|
-345,455
|
-350,736
|
-7,835
|
-7,720
|
-189,115
|
-196,140
|
-28,074
|
-28,727
|
|
Impuestos y Contribuciones / Taxes and levies
|
-256,572
|
-152,541
|
-133,761
|
-137,800
|
-1,358
|
-1,454
|
-6,634
|
-5,692
|
-3,986
|
-4,263
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-418,957
|
-377,222
|
-75,587
|
-73,313
|
-1,740
|
-2,561
|
-59,113
|
-53,615
|
-4,568
|
-2,442
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
7,025,272
|
6,144,369
|
2,000,959
|
2,061,245
|
43,206
|
15,628
|
137,159
|
111,272
|
105,072
|
96,643
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
-58,555
|
-80,112
|
-10,214
|
-1,191
|
-1,593
|
1,740
|
8
|
52
|
260
|
-20,333
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
-1,780
|
-6,365
|
45,644
|
-32,094
|
-6
|
1
|
-1,171
|
-2,188
|
2,867
|
-17,223
|
|
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others
|
-15,841
|
20,535
|
0
|
0
|
0
|
0
|
-695
|
-2,178
|
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
|
-12,136
|
68
|
0
|
0
|
0
|
0
|
0
|
0
|
-19,874
|
0
|
|
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
-751
|
-278
|
|
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
|
-17,690
|
-19,358
|
-218,363
|
-105,011
|
0
|
0
|
-1,077
|
-636
|
-2,757
|
-826
|
|
Otras provisiones / Others Provisions
|
-12,924
|
-8,387
|
-25,143
|
-57
|
0
|
0
|
0
|
0
|
-696
|
-424
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
6,906,346
|
6,050,750
|
1,792,883
|
1,922,892
|
41,607
|
17,369
|
134,224
|
106,322
|
84,121
|
57,559
|
|
Otros ingresos y egresos / Other income and expenses
|
39,060
|
133,602
|
-27,101
|
15,725
|
-22
|
699
|
7,915
|
-497
|
3,599
|
-31,398
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
6,945,406
|
6,184,352
|
1,765,782
|
1,938,617
|
41,585
|
18,068
|
142,139
|
105,825
|
87,720
|
26,161
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-1,728,714
|
-1,519,844
|
-372,467
|
-286,262
|
-1,601
|
39
|
-40,917
|
-31,815
|
-16,672
|
45,701
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
5,216,692
|
4,664,508
|
1,393,315
|
1,652,355
|
39,984
|
18,107
|
101,222
|
74,010
|
71,048
|
71,862
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/12/2024
|
31/12/2024
|
31/12/2024
|
31/12/2024
|
31/12/2024
|
|
Liquidez / Liquid Ratio
|
0.91
|
|
0.89
|
|
4.21
|
|
777.12
|
|
n.d.
|
|
|
Disponible %
|
22.44
|
|
31.30
|
|
78.34
|
|
6.40
|
|
4.48
|
|
|
Solvencia / Solvency
|
9.10
|
|
15.29
|
|
9.00
|
|
10.82
|
|
4.47
|
|
|
Eficiencia y Gestión %
|
39.25
|
|
32.49
|
|
37.11
|
|
48.69
|
|
45.64
|
|
|
Intermediación Financiera %
|
79.29
|
|
80.11
|
|
87.01
|
|
95.84
|
|
88.64
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
2.66
|
|
2.99
|
|
1.49
|
|
0.88
|
|
0.64
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
20.89
|
|
37.14
|
|
13.26
|
|
9.54
|
|
3.20
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|