| Estados Financieros Comparados |
Actualizado al 16 de mayo de 2025 |
|
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT
|
Bancos Y Financieras/BANKS
|
|
CIFRAS EXPRESADAS EN MILES DE SOLES
|
|
Empresa/Cuenta
|
Emp. C. Santander Consumo
|
Financ Santander Consumer
|
Financiera Confianza
|
Financiera Efectiva
|
Financiera OH
|
|
CIIU
|
6419
|
65197
|
6599
|
6592
|
6599
|
|
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION
|
31/03/2025
|
31/12/2024
|
31/03/2025
|
31/12/2024
|
31/03/2025
|
31/12/2024
|
31/03/2025
|
31/12/2024
|
31/03/2025
|
31/12/2024
|
|
DISPONIBLE / FUNDS AVAILABLE
|
73,082
|
10,804
|
270,201
|
291,759
|
288,311
|
312,240
|
223,530
|
80,008
|
347,990
|
289,970
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
0
|
0
|
155,663
|
156,171
|
79,172
|
68,419
|
301,647
|
380,688
|
0
|
0
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
1,201,790
|
1,211,806
|
2,066,146
|
2,064,414
|
2,214,882
|
2,192,236
|
1,211,022
|
1,188,645
|
1,448,135
|
1,424,791
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
36,440
|
46,104
|
14,558
|
23,291
|
14,800
|
11,665
|
37,157
|
36,288
|
149,509
|
152,501
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
0
|
0
|
0
|
0
|
21
|
24
|
518
|
252
|
0
|
0
|
|
PARTICIPACIONES / PROFIT SHARING
|
7,151
|
7,909
|
0
|
0
|
49
|
49
|
0
|
0
|
0
|
0
|
|
Subsidiarias / Subsidiaries
|
7,151
|
7,909
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
0
|
0
|
0
|
0
|
49
|
49
|
0
|
0
|
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)
|
971
|
1,104
|
11,469
|
12,057
|
18,046
|
19,171
|
2,224
|
2,200
|
10,184
|
8,814
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
19,875
|
22,149
|
1,304
|
1,190
|
19,987
|
19,989
|
55,809
|
55,210
|
22,752
|
18,195
|
|
PLUSVALIA / GOODWILL
|
0
|
0
|
0
|
0
|
12,139
|
12,139
|
0
|
0
|
0
|
0
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
11,432
|
12,367
|
15,620
|
22,195
|
7,649
|
13,509
|
0
|
651
|
21,140
|
20,561
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
3,821
|
3,821
|
99,599
|
105,155
|
31,183
|
28,523
|
21,656
|
21,409
|
38,957
|
43,835
|
|
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)
|
60,781
|
69,426
|
25,610
|
28,079
|
6,196
|
5,089
|
3,293
|
2,571
|
7,380
|
8,907
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
1,415,343
|
1,385,490
|
2,660,170
|
2,704,311
|
2,692,435
|
2,683,053
|
1,856,856
|
1,767,922
|
2,046,047
|
1,967,574
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
0
|
0
|
1,316,215
|
1,277,546
|
1,649,711
|
1,586,289
|
927,718
|
898,215
|
1,282,844
|
1,244,602
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
0
|
20,000
|
37,067
|
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
|
75,862
|
57,003
|
10,572
|
3,851
|
0
|
0
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
1,046,187
|
1,040,276
|
470,356
|
577,221
|
473,969
|
541,355
|
476,676
|
444,117
|
349,347
|
321,309
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
103,178
|
82,907
|
75,361
|
51,731
|
28,042
|
30,318
|
46,978
|
49,861
|
73,518
|
70,844
|
|
PROVISIONES / PROVISIONS
|
594
|
404
|
9,970
|
5,307
|
10,312
|
6,553
|
719
|
1,102
|
2,752
|
2,246
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
2,263
|
0
|
0
|
0
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
17,418
|
17,418
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
21,800
|
13,208
|
19,624
|
29,108
|
6,521
|
5,377
|
6,261
|
6,369
|
2,354
|
2,444
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
1,189,177
|
1,154,213
|
1,891,526
|
1,940,913
|
2,264,417
|
2,263,962
|
1,471,187
|
1,403,515
|
1,710,815
|
1,641,445
|
|
Capital social / Capital stock
|
172,983
|
172,983
|
528,769
|
528,769
|
285,105
|
285,105
|
264,443
|
264,443
|
422,540
|
422,540
|
|
Capital adicional / Additional capital
|
0
|
0
|
812
|
812
|
38,086
|
38,086
|
0
|
0
|
0
|
0
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Reservas / Reserves
|
45,088
|
31,882
|
185,069
|
185,069
|
83,204
|
83,204
|
39,168
|
39,168
|
20,408
|
20,408
|
|
Resultados Acumulados / Retained earnings
|
0
|
0
|
23,468
|
0
|
12,696
|
0
|
60,668
|
244
|
-116,819
|
-84,574
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
8,095
|
26,412
|
28,426
|
46,935
|
8,926
|
12,696
|
21,355
|
60,424
|
9,103
|
-32,245
|
|
Ajustes al Patrimonio / Adjustments to equity
|
0
|
0
|
2,100
|
1,813
|
1
|
0
|
35
|
128
|
0
|
0
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
226,166
|
231,277
|
768,644
|
763,398
|
428,018
|
419,091
|
385,669
|
364,407
|
335,232
|
326,129
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
1,415,343
|
1,385,490
|
2,660,170
|
2,704,311
|
2,692,435
|
2,683,053
|
1,856,856
|
1,767,922
|
2,046,047
|
1,967,574
|
|
ESTADO DE RESULTADOS / INCOME STATEMENT
|
31/03/2025
|
31/03/2024
|
31/03/2025
|
31/03/2024
|
31/03/2025
|
31/03/2024
|
31/03/2025
|
31/03/2024
|
31/03/2025
|
31/03/2024
|
|
TOTAL INGRESOS POR INTERESES / TOTAL INTEREST INCOME
|
51,087
|
59,166
|
165,264
|
178,829
|
142,751
|
138,655
|
125,338
|
114,310
|
118,910
|
127,590
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-17,211
|
-18,968
|
-21,664
|
-33,832
|
-26,416
|
-35,337
|
-21,307
|
-19,266
|
-19,531
|
-29,394
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
33,876
|
40,198
|
143,600
|
144,997
|
116,335
|
103,318
|
104,031
|
95,044
|
99,379
|
98,196
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-10,183
|
-16,808
|
-52,346
|
-102,950
|
-34,787
|
-48,392
|
-38,232
|
-64,485
|
-53,981
|
-104,615
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
23,693
|
23,390
|
91,254
|
42,047
|
81,548
|
54,926
|
65,799
|
30,559
|
45,398
|
-6,419
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
16,175
|
11,530
|
22,199
|
25,072
|
8,473
|
7,327
|
13,493
|
15,805
|
52,077
|
51,343
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-14,676
|
-13,459
|
-5,238
|
-4,190
|
-4,441
|
-3,201
|
-1,771
|
-652
|
-1,434
|
-1,116
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
25,192
|
21,461
|
108,215
|
62,929
|
85,580
|
59,052
|
77,521
|
45,712
|
96,041
|
43,808
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
9,918
|
7,905
|
38
|
241
|
47
|
911
|
-5,311
|
-4,263
|
135
|
405
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
35,110
|
29,366
|
108,253
|
63,170
|
85,627
|
59,963
|
72,210
|
41,449
|
96,176
|
44,213
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-6,020
|
-5,518
|
-32,394
|
-22,146
|
-50,950
|
-45,065
|
-29,507
|
-21,793
|
-20,875
|
-16,681
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-16,704
|
-16,822
|
-33,678
|
-46,204
|
-16,829
|
-14,585
|
-11,499
|
-10,343
|
-52,667
|
-58,722
|
|
Impuestos y Contribuciones / Taxes and levies
|
-453
|
-808
|
-989
|
-1,555
|
-324
|
-266
|
-292
|
-366
|
-1,307
|
-1,177
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-2,426
|
-980
|
-688
|
-964
|
-2,941
|
-2,714
|
-1,446
|
-1,880
|
-4,876
|
-2,713
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
9,507
|
5,238
|
40,504
|
-7,699
|
14,583
|
-2,667
|
29,466
|
7,067
|
16,451
|
-35,080
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
0
|
-2,905
|
-400
|
-666
|
-1,187
|
-1,168
|
180
|
-1,175
|
-884
|
-2,952
|
|
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
|
-13
|
25
|
0
|
-615
|
-18
|
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
|
-166
|
-75
|
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
|
0
|
0
|
|
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
|
-190
|
0
|
-250
|
105
|
-282
|
-123
|
0
|
0
|
-205
|
-78
|
|
Otras provisiones / Others Provisions
|
0
|
0
|
0
|
0
|
-170
|
-45
|
0
|
0
|
0
|
0
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
9,317
|
2,333
|
39,688
|
-8,348
|
12,969
|
-4,003
|
29,031
|
5,874
|
15,362
|
-38,110
|
|
Otros ingresos y egresos / Other income and expenses
|
3,246
|
3,700
|
148
|
-228
|
-822
|
3,849
|
-251
|
646
|
-1,381
|
-1,016
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
12,563
|
6,033
|
39,836
|
-8,576
|
12,147
|
-154
|
28,780
|
6,520
|
13,981
|
-39,126
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-4,468
|
-2,159
|
-11,410
|
3,030
|
-3,221
|
335
|
-7,425
|
-278
|
-4,878
|
8,388
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
8,095
|
3,874
|
28,426
|
-5,546
|
8,926
|
181
|
21,355
|
6,242
|
9,103
|
-30,738
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
|
Liquidez / Liquid Ratio
|
n.d.
|
|
27.43
|
|
250.92
|
|
n.d.
|
|
21.11
|
|
|
Disponible %
|
5.16
|
|
10.16
|
|
10.71
|
|
12.04
|
|
17.01
|
|
|
Solvencia / Solvency
|
5.45
|
|
2.65
|
|
6.15
|
|
4.85
|
|
3.86
|
|
|
Eficiencia y Gestión %
|
39.56
|
|
39.61
|
|
54.97
|
|
35.83
|
|
52.15
|
|
|
Intermediación Financiera %
|
72.46
|
|
88.09
|
|
94.91
|
|
90.44
|
|
70.11
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
0.57
|
|
1.07
|
|
0.33
|
|
1.15
|
|
0.44
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
3.58
|
|
3.70
|
|
2.09
|
|
5.54
|
|
2.72
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|