| 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
|
Alfin Banco
|
BanBif
|
Banco BBVA Peru
|
Banco Bci Peru
|
Banco Falabella
|
|
CIIU
|
6419
|
6519
|
6519
|
6519
|
65197
|
|
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
|
308,300
|
242,045
|
4,617,793
|
3,876,187
|
10,681,552
|
13,526,288
|
1,292,163
|
334,704
|
802,011
|
784,742
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
20,003
|
3,001
|
0
|
20,005
|
50,006
|
0
|
0
|
32,655
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
0
|
5,225
|
0
|
4,405,908
|
4,105,896
|
155,355
|
40,489
|
0
|
0
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
69,653
|
198,475
|
2,393,213
|
2,471,251
|
11,668,095
|
11,336,273
|
543,205
|
605,731
|
478,363
|
485,428
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
0
|
0
|
812,762
|
831,496
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
725,368
|
689,961
|
13,619,281
|
13,806,562
|
73,690,007
|
74,074,772
|
1,561,296
|
1,431,543
|
3,199,300
|
3,265,576
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
0
|
0
|
69,036
|
48,536
|
950,101
|
995,396
|
57,308
|
35,634
|
0
|
0
|
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
0
|
0
|
10,906
|
3,912
|
35,456
|
10,180
|
0
|
0
|
0
|
0
|
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
21,713
|
22,890
|
56,744
|
51,190
|
1,360,779
|
220,758
|
5,718
|
1,825
|
145,017
|
168,325
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
0
|
0
|
23,995
|
34,050
|
41,032
|
58,808
|
0
|
0
|
0
|
0
|
|
PARTICIPACIONES / PROFIT SHARING
|
0
|
0
|
0
|
0
|
267,157
|
280,262
|
0
|
0
|
40,354
|
39,748
|
|
Subsidiarias / Subsidiaries
|
0
|
0
|
0
|
0
|
253,520
|
267,580
|
0
|
0
|
22,851
|
21,312
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
0
|
0
|
0
|
0
|
13,637
|
12,682
|
0
|
0
|
17,503
|
18,436
|
|
Otras / Other
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
38,421
|
38,233
|
127,330
|
128,980
|
1,159,754
|
1,202,028
|
5,475
|
5,665
|
31,110
|
32,696
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
3,807
|
4,098
|
81,992
|
82,685
|
421,589
|
433,803
|
35,342
|
37,720
|
76,372
|
79,793
|
|
PLUSVALIA / GOODWILL
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
6,873
|
5,998
|
192,751
|
300,009
|
542,639
|
695,418
|
11,839
|
7,143
|
2,090
|
4,333
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
68,349
|
69,346
|
135,830
|
137,662
|
788,424
|
807,792
|
10,444
|
9,088
|
59,550
|
69,211
|
|
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)
|
11,459
|
11,720
|
607,666
|
77,853
|
2,117,183
|
3,461,591
|
77,156
|
26,267
|
73,376
|
34,931
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
1,253,943
|
1,282,766
|
22,774,527
|
21,853,374
|
108,129,676
|
111,229,270
|
3,805,307
|
2,535,809
|
4,907,543
|
4,997,438
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
1,021,694
|
1,044,627
|
16,364,313
|
15,801,535
|
77,119,335
|
79,421,807
|
2,034,714
|
1,238,375
|
3,346,613
|
3,278,977
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
155,040
|
0
|
94,084
|
168,021
|
52,014
|
47,006
|
37,010
|
|
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG.
|
5,562
|
8,296
|
117,089
|
139,301
|
1,147,526
|
923,009
|
214,507
|
175,967
|
32,260
|
46,191
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
78,478
|
78,767
|
2,973,081
|
2,913,129
|
7,977,632
|
7,332,438
|
384,759
|
423,520
|
158,630
|
206,494
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
0
|
0
|
65,914
|
45,364
|
846,329
|
821,514
|
43,202
|
29,275
|
0
|
0
|
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
0
|
0
|
3,275
|
3,060
|
82,226
|
78,602
|
0
|
0
|
0
|
0
|
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
22,525
|
22,899
|
515,043
|
638,671
|
4,479,342
|
4,959,096
|
8,846
|
14,572
|
80,593
|
193,152
|
|
PROVISIONES / PROVISIONS
|
6,048
|
6,174
|
95,150
|
116,813
|
1,414,987
|
1,489,914
|
509
|
151
|
42,910
|
43,118
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
36,090
|
33,496
|
0
|
0
|
43
|
0
|
0
|
0
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
2,460
|
6,358
|
657,789
|
91,985
|
2,145,966
|
2,809,562
|
97,765
|
12,004
|
146,108
|
190,085
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
1,136,767
|
1,167,121
|
20,827,744
|
19,938,394
|
95,213,343
|
97,930,026
|
2,952,366
|
1,945,878
|
3,854,120
|
3,995,027
|
|
Capital social / Capital stock
|
272,178
|
272,178
|
1,601,478
|
1,461,418
|
9,649,414
|
8,894,852
|
609,923
|
609,923
|
807,927
|
807,927
|
|
Capital adicional / Additional capital
|
-43,030
|
-43,030
|
81,478
|
81,478
|
0
|
0
|
252,782
|
0
|
0
|
0
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Reservas / Reserves
|
0
|
0
|
198,125
|
178,116
|
2,621,262
|
2,432,622
|
920
|
0
|
184,105
|
105,827
|
|
Resultados Acumulados / Retained earnings
|
-113,502
|
-114,779
|
0
|
0
|
0
|
0
|
-21,076
|
-29,351
|
4,734
|
0
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
1,543
|
1,277
|
57,120
|
200,087
|
534,614
|
1,886,405
|
11,698
|
9,195
|
49,897
|
83,012
|
|
Ajustes al Patrimonio / Adjustments to equity
|
-13
|
-1
|
8,582
|
-6,119
|
111,043
|
85,365
|
-1,306
|
164
|
6,760
|
5,645
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
117,176
|
115,645
|
1,946,783
|
1,914,980
|
12,916,333
|
13,299,244
|
852,941
|
589,931
|
1,053,423
|
1,002,411
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
1,253,943
|
1,282,766
|
22,774,527
|
21,853,374
|
108,129,676
|
111,229,270
|
3,805,307
|
2,535,809
|
4,907,543
|
4,997,438
|
|
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
|
64,719
|
69,658
|
382,809
|
403,849
|
1,921,813
|
1,999,841
|
41,013
|
24,598
|
297,011
|
292,874
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-16,381
|
-17,124
|
-187,544
|
-248,618
|
-467,467
|
-559,201
|
-28,666
|
-13,685
|
-39,712
|
-54,493
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
48,338
|
52,534
|
195,265
|
155,231
|
1,454,346
|
1,440,640
|
12,347
|
10,913
|
257,299
|
238,381
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-22,540
|
-26,473
|
-60,323
|
-42,643
|
-418,828
|
-656,213
|
-1,448
|
1,357
|
-97,307
|
-183,581
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
25,798
|
26,061
|
134,942
|
112,588
|
1,035,518
|
784,427
|
10,899
|
12,270
|
159,992
|
54,800
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
10,489
|
13,824
|
56,600
|
54,732
|
466,407
|
442,287
|
10,246
|
5,425
|
77,322
|
77,123
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-2,118
|
-2,705
|
-26,210
|
-28,676
|
-176,561
|
-153,986
|
-403
|
-493
|
-6,924
|
-6,773
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
34,169
|
37,180
|
165,332
|
138,644
|
1,325,364
|
1,072,728
|
20,742
|
17,202
|
230,390
|
125,150
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
-180
|
-317
|
20,755
|
16,118
|
248,331
|
172,836
|
6,116
|
3,535
|
-19,358
|
-6,856
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
33,989
|
36,863
|
186,087
|
154,762
|
1,573,695
|
1,245,564
|
26,858
|
20,737
|
211,032
|
118,294
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-17,123
|
-15,841
|
-63,798
|
-58,440
|
-309,771
|
-291,158
|
-8,016
|
-6,469
|
-37,808
|
-34,325
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-11,577
|
-11,822
|
-25,868
|
-23,043
|
-376,123
|
-351,033
|
-5,003
|
-4,658
|
-97,287
|
-81,925
|
|
Impuestos y Contribuciones / Taxes and levies
|
-195
|
-155
|
-4,581
|
-5,188
|
-13,924
|
-13,242
|
-172
|
-159
|
-1,106
|
-1,721
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-1,186
|
-1,240
|
-10,967
|
-10,803
|
-75,397
|
-72,474
|
-3,133
|
-2,821
|
-8,136
|
-9,688
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
3,908
|
7,805
|
80,873
|
57,288
|
798,480
|
517,657
|
10,534
|
6,630
|
66,695
|
-9,365
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
49
|
-4,237
|
1,838
|
552
|
5,752
|
-367
|
0
|
0
|
-546
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
-87
|
-687
|
-747
|
-334
|
-20,730
|
-7,527
|
-792
|
-848
|
-2,685
|
-1,026
|
|
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
|
1,067
|
-2,818
|
-4,087
|
-10,506
|
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
|
0
|
0
|
|
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment
|
0
|
0
|
-225
|
0
|
-10,000
|
0
|
0
|
0
|
0
|
0
|
|
Deterioro de activos intangibles / Impairment of intangible assets
|
0
|
0
|
0
|
0
|
-4,511
|
-8,000
|
0
|
0
|
0
|
0
|
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
-1,154
|
-3,127
|
-177
|
-500
|
-8,494
|
-6,474
|
0
|
0
|
1,023
|
-13
|
|
Otras provisiones / Others Provisions
|
0
|
0
|
0
|
-296
|
-10,140
|
-34,489
|
-1
|
-9
|
-94
|
0
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
2,667
|
4,040
|
76,554
|
55,178
|
741,070
|
456,413
|
9,374
|
5,773
|
64,939
|
-10,950
|
|
Otros ingresos y egresos / Other income and expenses
|
-126
|
-3,229
|
-2,847
|
-3,615
|
11,197
|
-1,912
|
150
|
38
|
2,166
|
7,382
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
2,541
|
811
|
73,707
|
51,563
|
752,267
|
454,501
|
9,524
|
5,811
|
67,105
|
-3,568
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-998
|
-480
|
-16,587
|
-10,830
|
-217,653
|
-104,399
|
2,174
|
-29
|
-17,208
|
3,958
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
1,543
|
331
|
57,120
|
40,733
|
534,614
|
350,102
|
11,698
|
5,782
|
49,897
|
390
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
|
Liquidez / Liquid Ratio
|
4.15
|
|
1.09
|
|
0.40
|
|
1.89
|
|
840.68
|
|
|
Disponible %
|
24.59
|
|
20.28
|
|
9.88
|
|
33.96
|
|
16.34
|
|
|
Solvencia / Solvency
|
4.18
|
|
11.57
|
|
7.76
|
|
4.83
|
|
3.89
|
|
|
Eficiencia y Gestión %
|
49.36
|
|
37.84
|
|
36.96
|
|
70.99
|
|
42.26
|
|
|
Intermediación Financiera %
|
86.20
|
|
87.69
|
|
80.09
|
|
79.78
|
|
78.89
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
0.12
|
|
0.25
|
|
0.49
|
|
0.31
|
|
1.02
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
1.32
|
|
2.93
|
|
4.14
|
|
1.37
|
|
4.74
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|