| 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
|
Financiera Proempresa
|
Financiera Qapaq
|
Fondo Mivivienda
|
ICBC Perú Bank
|
INTERBANK
|
|
CIIU
|
65994
|
6599
|
65994
|
6419
|
6519
|
|
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
|
129,449
|
127,371
|
78,643
|
91,467
|
1,174,105
|
1,157,058
|
925,549
|
1,451,706
|
11,885,053
|
11,600,003
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
215,028
|
220,060
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
50,902
|
8,538
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
0
|
0
|
0
|
0
|
253,167
|
305,381
|
229,919
|
159,073
|
7,627,494
|
7,378,569
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
10,918
|
9,903
|
8,866
|
7,923
|
44,939
|
47,484
|
223,416
|
187,548
|
3,773,134
|
3,796,852
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
470,855
|
489,739
|
188,166
|
188,917
|
15,805
|
16,767
|
1,013,470
|
897,525
|
47,329,307
|
47,190,332
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
0
|
0
|
0
|
0
|
268
|
0
|
0
|
142
|
74,659
|
73,167
|
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
0
|
0
|
0
|
0
|
51,896
|
23,810
|
0
|
0
|
0
|
16,247
|
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
1,039
|
1,193
|
2,016
|
1,371
|
11,340,471
|
11,331,646
|
2,603
|
2,359
|
414,750
|
640,685
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
4,040
|
3,857
|
452
|
809
|
0
|
0
|
0
|
0
|
5,382
|
7,409
|
|
PARTICIPACIONES / PROFIT SHARING
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
174,075
|
187,913
|
|
Subsidiarias / Subsidiaries
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
25,042
|
40,161
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
149,033
|
147,752
|
|
Otras / Other
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
9,990
|
10,525
|
11,394
|
11,655
|
1,852
|
1,861
|
2,265
|
2,376
|
360,966
|
324,208
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
1,730
|
1,730
|
363
|
354
|
12,666
|
12,938
|
22
|
0
|
575,364
|
602,599
|
|
PLUSVALIA / GOODWILL
|
0
|
0
|
4,842
|
4,842
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
5,495
|
4,569
|
3,986
|
3,675
|
36,007
|
36,401
|
12,095
|
15,305
|
544,158
|
655,272
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
6,564
|
7,027
|
15,662
|
16,322
|
54,586
|
65,130
|
4,924
|
5,003
|
78,517
|
93,370
|
|
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)
|
1,435
|
1,570
|
1,376
|
3,260
|
20,214
|
19,433
|
8,256
|
628
|
259,691
|
157,484
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
641,515
|
657,484
|
315,766
|
330,595
|
13,005,976
|
13,017,909
|
2,422,519
|
2,721,665
|
73,368,480
|
72,952,708
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
549,521
|
560,478
|
255,706
|
260,709
|
592
|
243
|
1,358,838
|
1,762,178
|
49,855,927
|
50,336,564
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
151,119
|
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
|
8,105
|
850,356
|
845,090
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
19,007
|
22,526
|
0
|
10,713
|
8,298,060
|
8,307,247
|
495,709
|
433,140
|
12,177,477
|
11,632,841
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
65,527
|
87,101
|
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
0
|
0
|
0
|
0
|
441,095
|
352,539
|
0
|
0
|
31,602
|
3,819
|
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
8,417
|
6,563
|
6,912
|
5,876
|
600,696
|
745,803
|
3,687
|
4,559
|
1,274,534
|
1,001,936
|
|
PROVISIONES / PROVISIONS
|
809
|
849
|
151
|
47
|
3,889
|
3,361
|
6,742
|
8,099
|
161,336
|
131,049
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
2,312
|
1,099
|
0
|
0
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
118
|
73
|
199
|
1,979
|
54,550
|
48,147
|
12,795
|
7,522
|
348,521
|
459,481
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
577,872
|
590,489
|
262,968
|
279,324
|
9,398,882
|
9,457,340
|
1,880,083
|
2,224,702
|
64,916,399
|
64,497,881
|
|
Capital social / Capital stock
|
77,715
|
77,715
|
101,605
|
91,105
|
3,562,560
|
3,562,560
|
364,780
|
364,780
|
6,734,235
|
6,314,084
|
|
Capital adicional / Additional capital
|
82
|
82
|
0
|
10,500
|
0
|
0
|
0
|
0
|
-15,523
|
-15,523
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
-18,387
|
-18,387
|
|
Reservas / Reserves
|
7,038
|
7,038
|
23
|
0
|
58,437
|
50,084
|
174,734
|
134,502
|
1,466,377
|
1,373,010
|
|
Resultados Acumulados / Retained earnings
|
-17,840
|
-15,891
|
-50,334
|
-37,435
|
74,734
|
-449
|
0
|
0
|
0
|
0
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
-3,352
|
-1,949
|
1,504
|
-12,899
|
20,896
|
83,527
|
4,389
|
10,112
|
341,268
|
933,670
|
|
Ajustes al Patrimonio / Adjustments to equity
|
0
|
0
|
0
|
0
|
-109,533
|
-135,153
|
-1,467
|
-12,431
|
-55,889
|
-132,027
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
63,643
|
66,995
|
52,798
|
51,271
|
3,607,094
|
3,560,569
|
542,436
|
496,963
|
8,452,081
|
8,454,827
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
641,515
|
657,484
|
315,766
|
330,595
|
13,005,976
|
13,017,909
|
2,422,519
|
2,721,665
|
73,368,480
|
72,952,708
|
|
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
|
34,163
|
34,811
|
22,156
|
26,971
|
198,279
|
204,369
|
28,635
|
35,607
|
1,417,693
|
1,482,462
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-9,068
|
-12,232
|
-3,341
|
-6,450
|
-111,116
|
-120,727
|
-16,896
|
-24,552
|
-473,664
|
-574,418
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
25,095
|
22,579
|
18,815
|
20,521
|
87,163
|
83,642
|
11,739
|
11,055
|
944,029
|
908,044
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-12,431
|
-6,350
|
-6,437
|
-10,527
|
349
|
-128
|
-4,083
|
2,677
|
-323,637
|
-531,314
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
12,664
|
16,229
|
12,378
|
9,994
|
87,512
|
83,514
|
7,656
|
13,732
|
620,392
|
376,730
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
810
|
1,179
|
1,019
|
957
|
1,166
|
1,652
|
5,380
|
6,080
|
307,892
|
274,132
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-2,265
|
-1,401
|
-1,194
|
-1,157
|
-386
|
-793
|
-108
|
-92
|
-138,191
|
-138,616
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
11,209
|
16,007
|
12,203
|
9,794
|
88,292
|
84,373
|
12,928
|
19,720
|
790,093
|
512,246
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
-4
|
103
|
3,526
|
2,462
|
-34,580
|
-29,568
|
481
|
1,415
|
163,671
|
109,881
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
11,205
|
16,110
|
15,729
|
12,256
|
53,712
|
54,805
|
13,409
|
21,135
|
953,764
|
622,127
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-9,325
|
-9,789
|
-8,369
|
-10,007
|
-8,403
|
-9,345
|
-5,229
|
-5,599
|
-181,144
|
-145,934
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-4,852
|
-4,218
|
-4,728
|
-5,906
|
-5,532
|
-5,332
|
-1,446
|
-1,395
|
-255,101
|
-245,640
|
|
Impuestos y Contribuciones / Taxes and levies
|
-111
|
-208
|
-89
|
-126
|
-139
|
-110
|
-437
|
-380
|
-8,152
|
-7,971
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-659
|
-426
|
-286
|
-589
|
-616
|
-544
|
-87
|
-92
|
-64,990
|
-66,929
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
-3,742
|
1,469
|
2,257
|
-4,372
|
39,022
|
39,474
|
6,210
|
13,669
|
444,377
|
155,653
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
0
|
0
|
0
|
0
|
0
|
307
|
-33
|
0
|
0
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
-92
|
-78
|
-93
|
3
|
-10,319
|
-10,895
|
0
|
0
|
-1,629
|
-2,412
|
|
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others
|
-147
|
-129
|
119
|
414
|
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
|
0
|
0
|
|
Deterioro de inversiones / Impairment of investments
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
-2,004
|
-166
|
|
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
|
-44
|
-89
|
-126
|
0
|
-508
|
-323
|
-241
|
0
|
-1,198
|
-3,607
|
|
Otras provisiones / Others Provisions
|
-15
|
0
|
0
|
0
|
-288
|
-117
|
64
|
98
|
-1,621
|
-2,107
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
-4,040
|
1,173
|
2,157
|
-3,955
|
27,907
|
28,139
|
6,340
|
13,734
|
437,925
|
147,361
|
|
Otros ingresos y egresos / Other income and expenses
|
235
|
-120
|
6
|
-178
|
217
|
227
|
343
|
10
|
4,677
|
-2,005
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
-3,805
|
1,053
|
2,163
|
-4,133
|
28,124
|
28,366
|
6,683
|
13,744
|
442,602
|
145,356
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
453
|
-411
|
-659
|
1,219
|
-7,228
|
-9,965
|
-2,294
|
-3,632
|
-101,334
|
-20,396
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
-3,352
|
642
|
1,504
|
-2,914
|
20,896
|
18,401
|
4,389
|
10,112
|
341,268
|
124,960
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
|
Liquidez / Liquid Ratio
|
857.28
|
|
20.13
|
|
n.d.
|
|
4.18
|
|
0.98
|
|
|
Disponible %
|
20.18
|
|
24.91
|
|
9.03
|
|
38.21
|
|
16.20
|
|
|
Solvencia / Solvency
|
6.82
|
|
2.59
|
|
2.60
|
|
3.48
|
|
7.92
|
|
|
Eficiencia y Gestión %
|
53.06
|
|
64.07
|
|
16.56
|
|
41.79
|
|
36.64
|
|
|
Intermediación Financiera %
|
97.03
|
|
95.58
|
|
99.31
|
|
83.34
|
|
81.94
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
-.-
|
|
0.48
|
|
0.16
|
|
0.18
|
|
0.47
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
-.-
|
|
2.85
|
|
0.58
|
|
0.81
|
|
4.04
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|