| 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
|
Mibanco
|
Mitsui Auto Finance Perú
|
Santander Financiamientos
|
Scotiabank Perú
|
Total Serv. Fin. Emp. C.
|
|
CIIU
|
6519
|
6591
|
6419
|
6519
|
6591
|
|
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
|
1,901,904
|
1,833,225
|
38,078
|
33,208
|
32,573
|
50,910
|
13,698,900
|
13,114,169
|
9,373
|
11,456
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
30,004
|
0
|
0
|
0
|
0
|
0
|
192,025
|
0
|
0
|
0
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
0
|
0
|
0
|
12,966
|
6,987
|
1,850,116
|
1,459,041
|
0
|
0
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
3,056,280
|
2,850,156
|
0
|
0
|
0
|
0
|
6,144,948
|
6,314,827
|
0
|
0
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
61,942
|
62,973
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
11,594,301
|
11,221,182
|
1,435,440
|
1,427,053
|
295,473
|
306,405
|
45,993,979
|
45,393,303
|
384,733
|
397,581
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
13,792
|
9,125
|
0
|
0
|
0
|
0
|
180,592
|
190,183
|
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
|
33,555
|
39,106
|
23,510
|
12,634
|
2,659
|
3,087
|
1,050,646
|
1,004,047
|
5,603
|
5,619
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
0
|
1
|
0
|
0
|
0
|
0
|
28,753
|
30,557
|
2,879
|
2,888
|
|
PARTICIPACIONES / PROFIT SHARING
|
295
|
298
|
2,803
|
2,832
|
0
|
0
|
305,478
|
905,125
|
0
|
0
|
|
Subsidiarias / Subsidiaries
|
295
|
298
|
0
|
0
|
0
|
0
|
265,394
|
867,380
|
0
|
0
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
0
|
0
|
2,803
|
2,832
|
0
|
0
|
40,084
|
37,745
|
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)
|
108,653
|
112,513
|
5,715
|
6,144
|
1,453
|
1,569
|
271,197
|
276,743
|
15,331
|
15,168
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
163,181
|
169,677
|
13,918
|
13,884
|
16,726
|
16,278
|
204,000
|
200,887
|
6,791
|
7,114
|
|
PLUSVALIA / GOODWILL
|
139,180
|
139,180
|
0
|
0
|
0
|
0
|
287,074
|
287,074
|
0
|
0
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
70,215
|
103,105
|
0
|
1,616
|
2,526
|
2,025
|
325,949
|
268,170
|
8,831
|
10,539
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
88,874
|
93,956
|
0
|
0
|
19,039
|
19,273
|
462,089
|
571,977
|
2,969
|
2,969
|
|
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)
|
42,986
|
29,276
|
46,842
|
47,700
|
674
|
679
|
429,086
|
398,735
|
15,549
|
17,132
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
17,305,162
|
16,663,773
|
1,566,306
|
1,545,071
|
384,089
|
407,213
|
71,424,832
|
70,414,838
|
452,059
|
470,466
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
11,225,259
|
10,955,889
|
1,479
|
399
|
100,274
|
91,755
|
48,436,892
|
48,005,264
|
0
|
0
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
15,002
|
52,014
|
0
|
0
|
0
|
0
|
201,726
|
183,050
|
0
|
0
|
|
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG.
|
126,215
|
113,174
|
0
|
0
|
13,716
|
8,096
|
310,601
|
336,324
|
0
|
0
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
2,157,651
|
2,242,950
|
1,126,585
|
1,134,321
|
125,162
|
184,301
|
6,323,814
|
6,706,444
|
349,394
|
371,980
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
22,228
|
15,722
|
0
|
0
|
0
|
0
|
346,015
|
180,876
|
0
|
0
|
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
11,666
|
5,240
|
0
|
0
|
0
|
0
|
520
|
54
|
0
|
0
|
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
1,320,880
|
687,430
|
50,061
|
40,929
|
9,743
|
7,466
|
3,219,950
|
2,058,538
|
9,428
|
10,391
|
|
PROVISIONES / PROVISIONS
|
33,090
|
31,152
|
0
|
109
|
0
|
0
|
299,326
|
275,355
|
2,890
|
1,640
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
1,070
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
1,866
|
2,374
|
0
|
0
|
0
|
0
|
2,770
|
2,909
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
23,161
|
20,640
|
10,192
|
10,714
|
1,748
|
579
|
712,502
|
760,615
|
9,441
|
7,233
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
14,935,152
|
14,124,211
|
1,191,253
|
1,188,846
|
250,643
|
292,197
|
59,851,346
|
58,506,520
|
373,923
|
394,153
|
|
Capital social / Capital stock
|
1,840,606
|
1,840,606
|
282,253
|
234,218
|
173,692
|
173,692
|
8,226,779
|
8,226,779
|
66,829
|
66,829
|
|
Capital adicional / Additional capital
|
0
|
0
|
0
|
0
|
18,250
|
0
|
33,079
|
33,079
|
2,086
|
0
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
0
|
0
|
0
|
0
|
-2
|
-2
|
0
|
0
|
|
Reservas / Reserves
|
365,847
|
334,650
|
65,534
|
60,196
|
0
|
0
|
1,800,098
|
1,704,337
|
7,284
|
7,052
|
|
Resultados Acumulados / Retained earnings
|
57,684
|
57,604
|
8,438
|
8,438
|
-58,676
|
-45,207
|
1,083,138
|
1,083,138
|
114
|
114
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
110,406
|
311,969
|
18,828
|
53,373
|
182
|
-13,469
|
465,911
|
957,613
|
1,823
|
2,318
|
|
Ajustes al Patrimonio / Adjustments to equity
|
-4,533
|
-5,267
|
0
|
0
|
-2
|
0
|
-35,517
|
-96,626
|
0
|
0
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
2,370,010
|
2,539,562
|
375,053
|
356,225
|
133,446
|
115,016
|
11,573,486
|
11,908,318
|
78,136
|
76,313
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
17,305,162
|
16,663,773
|
1,566,306
|
1,545,071
|
384,089
|
407,213
|
71,424,832
|
70,414,838
|
452,059
|
470,466
|
|
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
|
763,556
|
789,976
|
69,763
|
62,452
|
21,618
|
24,352
|
1,198,905
|
1,246,065
|
18,900
|
16,257
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-163,363
|
-217,288
|
-20,021
|
-19,839
|
-3,556
|
-5,506
|
-407,256
|
-485,303
|
-7,403
|
-6,731
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
600,193
|
572,688
|
49,742
|
42,613
|
18,062
|
18,846
|
791,649
|
760,762
|
11,497
|
9,526
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-128,643
|
-187,408
|
-11,309
|
-16,881
|
-4,950
|
-9,469
|
-180,535
|
-302,036
|
-1,659
|
-3,213
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
471,550
|
385,280
|
38,433
|
25,732
|
13,112
|
9,377
|
611,114
|
458,726
|
9,838
|
6,313
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
35,974
|
32,018
|
10,603
|
8,235
|
3,013
|
2,076
|
235,049
|
225,217
|
5,362
|
4,045
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-14,536
|
-13,427
|
-439
|
0
|
-1,178
|
-1,069
|
-111,159
|
-98,243
|
-2,274
|
-1,808
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
492,988
|
403,871
|
48,597
|
33,967
|
14,947
|
10,384
|
735,004
|
585,700
|
12,926
|
8,550
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
-457
|
-759
|
9,549
|
4,695
|
121
|
-14
|
153,012
|
110,091
|
13
|
-12
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
492,531
|
403,112
|
58,146
|
38,662
|
15,068
|
10,370
|
888,016
|
695,791
|
12,939
|
8,538
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-239,489
|
-204,104
|
-13,377
|
-12,313
|
-10,372
|
-11,229
|
-199,048
|
-184,439
|
-4,609
|
-4,042
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-73,842
|
-83,034
|
-19,321
|
-18,275
|
-3,742
|
-3,819
|
-165,524
|
-177,526
|
-2,156
|
-1,748
|
|
Impuestos y Contribuciones / Taxes and levies
|
-2,342
|
-2,506
|
-2,871
|
-3,168
|
-74
|
-42
|
-24,991
|
-24,134
|
-121
|
-91
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-15,535
|
-14,687
|
-675
|
-680
|
-722
|
-312
|
-16,259
|
-17,126
|
-593
|
-329
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
161,323
|
98,781
|
21,902
|
4,226
|
158
|
-5,032
|
482,194
|
292,566
|
5,460
|
2,328
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
0
|
0
|
0
|
0
|
0
|
-24,289
|
4,751
|
0
|
0
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
0
|
0
|
-199
|
21
|
0
|
0
|
-423
|
-1,837
|
-685
|
-334
|
|
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others
|
-1
|
-3
|
0
|
0
|
0
|
0
|
-3,158
|
-4,297
|
-887
|
-828
|
|
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
|
0
|
0
|
|
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment
|
0
|
0
|
0
|
0
|
0
|
0
|
-233
|
0
|
0
|
0
|
|
Deterioro de activos intangibles / Impairment of intangible assets
|
0
|
0
|
0
|
0
|
0
|
0
|
-200
|
0
|
0
|
0
|
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
-24
|
296
|
-2
|
-275
|
0
|
0
|
-6,649
|
-3,149
|
-290
|
-18
|
|
Otras provisiones / Others Provisions
|
0
|
0
|
0
|
0
|
0
|
0
|
97
|
-72
|
1
|
1
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
161,298
|
99,074
|
21,701
|
3,972
|
158
|
-5,032
|
447,339
|
287,962
|
3,599
|
1,149
|
|
Otros ingresos y egresos / Other income and expenses
|
-12,766
|
-9,490
|
5,544
|
5,100
|
258
|
-872
|
45,751
|
1,376
|
-794
|
261
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
148,532
|
89,584
|
27,245
|
9,072
|
416
|
-5,904
|
493,090
|
289,338
|
2,805
|
1,410
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-38,126
|
-10,325
|
-8,417
|
-2,767
|
-234
|
1,098
|
-27,179
|
-59,122
|
-982
|
-474
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
110,406
|
79,259
|
18,828
|
6,305
|
182
|
-4,806
|
465,911
|
230,216
|
1,823
|
936
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
|
Liquidez / Liquid Ratio
|
27.43
|
|
n.d.
|
|
8,143.25
|
|
0.70
|
|
n.d.
|
|
|
Disponible %
|
10.99
|
|
2.43
|
|
8.48
|
|
19.18
|
|
2.07
|
|
|
Solvencia / Solvency
|
6.77
|
|
3.43
|
|
1.44
|
|
5.97
|
|
5.05
|
|
|
Eficiencia y Gestión %
|
50.90
|
|
59.63
|
|
67.00
|
|
35.67
|
|
39.09
|
|
|
Intermediación Financiera %
|
97.05
|
|
81.20
|
|
86.86
|
|
81.02
|
|
80.54
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
0.64
|
|
1.20
|
|
0.05
|
|
0.65
|
|
0.40
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
4.66
|
|
5.02
|
|
0.14
|
|
4.03
|
|
2.33
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|