| Estados Financieros Comparados |
Actualizado al 16 de mayo de 2025 |
|
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT
|
Diversas/ASSORTED
|
|
CIFRAS EXPRESADAS EN MILES DE SOLES
|
|
Empresa/Cuenta
|
Credicorp Ltd.
|
Intercorp Financial Serv.
|
JP Morgan Bco. de Inv.
|
Solución EAH
|
|
|
CIIU
|
6599
|
9199
|
6499
|
6592
|
|
|
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
|
|
|
|
DISPONIBLE / FUNDS AVAILABLE
|
399,817
|
399,943
|
218,275
|
181,971
|
42,746
|
74,836
|
4,274
|
996
|
|
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
0
|
75,809
|
17,604
|
0
|
0
|
|
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
0
|
124,709
|
156,529
|
377,966
|
247,993
|
0
|
0
|
|
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
1,232,139
|
1,262,327
|
40,295
|
39,966
|
0
|
0
|
0
|
0
|
|
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
686,418
|
695,652
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
0
|
0
|
0
|
0
|
0
|
0
|
57,116
|
60,403
|
|
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
0
|
0
|
0
|
0
|
5,339
|
28,415
|
0
|
0
|
|
|
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
0
|
0
|
45,876
|
54,218
|
0
|
0
|
0
|
0
|
|
|
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
0
|
0
|
417,979
|
1,726
|
3,237
|
31,145
|
0
|
0
|
|
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
PARTICIPACIONES / PROFIT SHARING
|
39,435,439
|
38,291,133
|
11,599,435
|
11,608,593
|
0
|
0
|
271
|
274
|
|
|
|
Subsidiarias / Subsidiaries
|
39,435,439
|
38,291,133
|
11,599,435
|
11,608,593
|
0
|
0
|
0
|
0
|
|
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
0
|
0
|
0
|
0
|
0
|
0
|
271
|
274
|
|
|
|
Otras / Other
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
0
|
0
|
0
|
0
|
728
|
618
|
0
|
0
|
|
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
0
|
0
|
0
|
0
|
166
|
170
|
0
|
0
|
|
|
|
PLUSVALIA / GOODWILL
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
434
|
466
|
|
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
0
|
0
|
1,999
|
3,353
|
485
|
493
|
|
|
|
ACTIVOS NO CORRIENTES MANTENIDOS PARA LA VENTA / NON-CURRENT ASSETS HELD FOR SALE
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
OTROS ACTIVOS / OTHER ASSETS (NET)
|
250,990
|
6,777
|
485
|
870
|
6,102
|
106,608
|
89
|
56
|
|
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
42,004,803
|
40,655,832
|
12,447,054
|
12,043,873
|
514,092
|
510,742
|
62,669
|
62,688
|
|
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
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.
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
1,796,058
|
1,829,657
|
1,043,619
|
1,069,661
|
0
|
0
|
40,426
|
40,664
|
|
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
0
|
0
|
0
|
0
|
42,014
|
10,187
|
0
|
0
|
|
|
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
0
|
0
|
14,971
|
11,368
|
0
|
0
|
0
|
0
|
|
|
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
41,725
|
40,925
|
452,494
|
18,203
|
120,252
|
14,405
|
1,225
|
312
|
|
|
|
PROVISIONES / PROVISIONS
|
0
|
0
|
44,802
|
29,406
|
0
|
0
|
0
|
0
|
|
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
0
|
0
|
13,305
|
14,979
|
0
|
0
|
|
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
234,554
|
189,735
|
0
|
0
|
5,264
|
147,495
|
0
|
0
|
|
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
2,072,337
|
2,060,317
|
1,555,886
|
1,128,638
|
180,835
|
187,066
|
41,651
|
40,976
|
|
|
|
Capital social / Capital stock
|
1,318,993
|
1,318,993
|
1,038,017
|
1,038,017
|
83,400
|
83,400
|
10,860
|
10,860
|
|
|
|
Capital adicional / Additional capital
|
384,542
|
384,542
|
532,771
|
532,771
|
0
|
0
|
-201
|
-201
|
|
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
-348,863
|
-206,997
|
0
|
0
|
0
|
0
|
|
|
|
Reservas / Reserves
|
32,291,005
|
26,651,390
|
9,100,000
|
8,300,000
|
80,649
|
80,649
|
10,038
|
10,038
|
|
|
|
Resultados Acumulados / Retained earnings
|
4,565,398
|
4,019,204
|
246,070
|
139,196
|
159,627
|
68,344
|
0
|
0
|
|
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
1,618,392
|
6,185,851
|
443,563
|
1,300,078
|
9,581
|
91,283
|
284
|
974
|
|
|
|
Ajustes al Patrimonio / Adjustments to equity
|
-245,864
|
35,535
|
-120,390
|
-187,830
|
0
|
0
|
37
|
41
|
|
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
39,932,466
|
38,595,515
|
10,891,168
|
10,915,235
|
333,257
|
323,676
|
21,018
|
21,712
|
|
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
42,004,803
|
40,655,832
|
12,447,054
|
12,043,873
|
514,092
|
510,742
|
62,669
|
62,688
|
|
|
|
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
|
|
|
|
TOTAL INGRESOS POR INTERESES / TOTAL INTEREST INCOME
|
21,312
|
18,725
|
1,633
|
1,793
|
5,203
|
4,448
|
1,243
|
1,347
|
|
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-13,143
|
-13,569
|
-14,621
|
-15,083
|
-240
|
-84
|
-626
|
-1,058
|
|
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
8,169
|
5,156
|
-12,988
|
-13,290
|
4,963
|
4,364
|
617
|
289
|
|
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
0
|
0
|
0
|
0
|
0
|
0
|
31
|
-10
|
|
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
8,169
|
5,156
|
-12,988
|
-13,290
|
4,963
|
4,364
|
648
|
279
|
|
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
0
|
0
|
0
|
0
|
6,406
|
6,827
|
0
|
0
|
|
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-295
|
-5
|
0
|
0
|
-50
|
-55
|
0
|
0
|
|
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
7,874
|
5,151
|
-12,988
|
-13,290
|
11,319
|
11,136
|
648
|
279
|
|
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
1,660,533
|
1,558,837
|
478,480
|
166,841
|
8,102
|
10,841
|
-2
|
2
|
|
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
1,668,407
|
1,563,988
|
465,492
|
153,551
|
19,421
|
21,977
|
646
|
281
|
|
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-622
|
-678
|
0
|
0
|
-4,914
|
-4,559
|
0
|
0
|
|
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-3,894
|
-3,814
|
-11,374
|
-6,804
|
-1,237
|
-1,273
|
-177
|
-179
|
|
|
|
Impuestos y Contribuciones / Taxes and levies
|
-442
|
-310
|
0
|
0
|
-348
|
-300
|
-33
|
-37
|
|
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
0
|
0
|
0
|
0
|
-67
|
-55
|
0
|
0
|
|
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
1,663,449
|
1,559,186
|
454,118
|
146,747
|
12,855
|
15,790
|
436
|
65
|
|
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
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
|
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
|
|
|
|
Deterioro de inversiones / Impairment of investments
|
14
|
4
|
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
|
|
|
|
Deterioro de activos intangibles / Impairment of intangible assets
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
Otras provisiones / Others Provisions
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
1,663,463
|
1,559,190
|
454,118
|
146,747
|
12,855
|
15,790
|
436
|
65
|
|
|
|
Otros ingresos y egresos / Other income and expenses
|
0
|
0
|
0
|
0
|
-18
|
18
|
-25
|
0
|
|
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
1,663,463
|
1,559,190
|
454,118
|
146,747
|
12,837
|
15,808
|
411
|
65
|
|
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-45,071
|
-43,104
|
-10,555
|
-6,588
|
-3,256
|
-4,046
|
-127
|
-18
|
|
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
1,618,392
|
1,516,086
|
443,563
|
140,159
|
9,581
|
11,762
|
284
|
47
|
|
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
|
|
Liquidez / Liquid Ratio
|
n.d.
|
|
n.d.
|
|
n.d.
|
|
n.d.
|
|
|
|
Disponible %
|
0.95
|
|
1.75
|
|
8.31
|
|
6.82
|
|
|
|
Solvencia / Solvency
|
0.06
|
|
0.15
|
|
1.10
|
|
1.99
|
|
|
|
Eficiencia y Gestión %
|
58.58
|
|
-.-
|
|
57.50
|
|
34.04
|
|
|
|
Intermediación Financiera %
|
100.00
|
|
100.00
|
|
44.89
|
|
102.05
|
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
3.85
|
|
3.56
|
|
1.86
|
|
0.45
|
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
4.05
|
|
4.07
|
|
2.87
|
|
1.35
|
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|