| 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
|
Banco GNB Perú
|
Banco Pichincha
|
Banco Ripley Perú
|
Banco Santander Perú
|
Banco de Comercio
|
|
CIIU
|
6519
|
6519
|
6519
|
6519
|
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
|
696,570
|
622,733
|
1,776,899
|
1,681,025
|
222,992
|
188,670
|
3,224,438
|
1,566,011
|
323,080
|
313,491
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
15,004
|
0
|
0
|
20,003
|
37,072
|
5
|
532,147
|
0
|
0
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
0
|
0
|
0
|
0
|
0
|
542,558
|
96,269
|
56,741
|
44,111
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
1,049,840
|
939,151
|
412,703
|
449,921
|
125,310
|
156,802
|
646,471
|
896,036
|
0
|
0
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
263,242
|
268,516
|
646,541
|
647,562
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
3,798,374
|
3,760,652
|
7,278,613
|
7,679,361
|
1,274,629
|
1,281,756
|
5,143,923
|
5,439,470
|
1,644,926
|
1,651,990
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
2,231
|
409
|
0
|
0
|
0
|
0
|
199,184
|
297,129
|
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
|
5,007
|
4,626
|
43,050
|
44,454
|
22,974
|
23,242
|
523,786
|
146,616
|
4,645
|
2,789
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
983
|
121
|
7,007
|
2,934
|
0
|
0
|
6,444
|
6,788
|
6,010
|
6,184
|
|
PARTICIPACIONES / PROFIT SHARING
|
0
|
0
|
13
|
13
|
0
|
0
|
0
|
0
|
22,573
|
23,158
|
|
Subsidiarias / Subsidiaries
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
14,697
|
14,887
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
0
|
0
|
13
|
13
|
0
|
0
|
0
|
0
|
7,876
|
8,271
|
|
Otras / Other
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
9,014
|
8,623
|
73,611
|
74,683
|
6,637
|
6,826
|
11,031
|
11,627
|
27,547
|
27,916
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
4,667
|
4,461
|
41,163
|
41,584
|
55,784
|
55,944
|
22,417
|
22,131
|
12,326
|
11,668
|
|
PLUSVALIA / GOODWILL
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
31,234
|
30,861
|
101,469
|
104,070
|
14,263
|
12,638
|
134,628
|
133,420
|
13,252
|
13,208
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
53,631
|
54,971
|
111,844
|
116,131
|
59,561
|
65,705
|
30,687
|
38,778
|
17,074
|
17,074
|
|
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)
|
2,916
|
8,107
|
28,232
|
39,387
|
12,830
|
16,541
|
327,694
|
979,295
|
12,224
|
8,619
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
5,917,709
|
5,718,235
|
10,521,145
|
10,881,125
|
1,814,983
|
1,845,196
|
10,813,266
|
10,165,717
|
2,140,398
|
2,120,208
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
4,340,106
|
4,170,191
|
7,743,828
|
8,028,398
|
1,357,665
|
1,367,671
|
7,399,989
|
6,558,030
|
1,522,692
|
1,502,023
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
0
|
0
|
25,652
|
0
|
0
|
0
|
0
|
|
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG.
|
249,098
|
142,466
|
8,266
|
11,679
|
7,523
|
4,215
|
12,307
|
44,504
|
47
|
5,563
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
452,325
|
540,927
|
1,417,999
|
1,467,864
|
0
|
0
|
840,920
|
966,417
|
176,601
|
177,416
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
1,188
|
2,735
|
0
|
0
|
0
|
0
|
212,925
|
306,955
|
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
|
23,977
|
25,554
|
75,687
|
78,791
|
45,555
|
51,319
|
622,995
|
324,201
|
14,330
|
11,734
|
|
PROVISIONES / PROVISIONS
|
18,118
|
17,921
|
65,813
|
69,867
|
2,708
|
2,598
|
37,917
|
25,891
|
7,235
|
7,251
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
223
|
0
|
1,649
|
2,274
|
0
|
0
|
0
|
0
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
18,655
|
14,318
|
63,225
|
86,321
|
7,639
|
11,669
|
325,028
|
528,937
|
9,075
|
8,542
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
5,103,467
|
4,914,112
|
9,375,041
|
9,742,920
|
1,422,739
|
1,465,398
|
9,452,081
|
8,754,935
|
1,729,980
|
1,712,529
|
|
Capital social / Capital stock
|
646,022
|
646,022
|
1,296,707
|
1,296,707
|
413,057
|
413,057
|
715,964
|
715,964
|
371,986
|
365,644
|
|
Capital adicional / Additional capital
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Reservas / Reserves
|
156,607
|
111,406
|
11,255
|
11,255
|
0
|
0
|
561,468
|
442,607
|
35,696
|
34,992
|
|
Resultados Acumulados / Retained earnings
|
0
|
0
|
-176,339
|
-111,503
|
-33,301
|
-25,939
|
0
|
0
|
0
|
0
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
9,434
|
45,201
|
14,230
|
-58,613
|
12,491
|
-7,362
|
70,430
|
237,723
|
2,784
|
7,047
|
|
Ajustes al Patrimonio / Adjustments to equity
|
2,179
|
1,494
|
251
|
359
|
-3
|
42
|
13,323
|
14,488
|
-48
|
-4
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
814,242
|
804,123
|
1,146,104
|
1,138,205
|
392,244
|
379,798
|
1,361,185
|
1,410,782
|
410,418
|
407,679
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
5,917,709
|
5,718,235
|
10,521,145
|
10,881,125
|
1,814,983
|
1,845,196
|
10,813,266
|
10,165,717
|
2,140,398
|
2,120,208
|
|
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
|
101,769
|
107,647
|
239,364
|
267,453
|
108,626
|
120,306
|
149,804
|
195,002
|
56,971
|
63,151
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-57,415
|
-73,486
|
-93,503
|
-130,368
|
-17,152
|
-27,332
|
-64,536
|
-110,767
|
-17,462
|
-24,529
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
44,354
|
34,161
|
145,861
|
137,085
|
91,474
|
92,974
|
85,268
|
84,235
|
39,509
|
38,622
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-7,925
|
-2,135
|
-107,280
|
-191,614
|
-42,673
|
-89,165
|
-7,967
|
-45,254
|
-14,356
|
-13,619
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
36,429
|
32,026
|
38,581
|
-54,529
|
48,801
|
3,809
|
77,301
|
38,981
|
25,153
|
25,003
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
5,060
|
4,689
|
42,302
|
48,584
|
27,579
|
31,315
|
31,709
|
67,489
|
4,368
|
4,141
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-3,442
|
-3,452
|
-15,515
|
-17,981
|
-2,462
|
-2,665
|
-6,604
|
-6,158
|
-4,967
|
-5,026
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
38,047
|
33,263
|
65,368
|
-23,926
|
73,918
|
32,459
|
102,406
|
100,312
|
24,554
|
24,118
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
2,918
|
1,502
|
12,065
|
28,746
|
1,204
|
1,315
|
51,044
|
38,157
|
930
|
543
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
40,965
|
34,765
|
77,433
|
4,820
|
75,122
|
33,774
|
153,450
|
138,469
|
25,484
|
24,661
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-17,688
|
-15,096
|
-33,429
|
-42,818
|
-25,850
|
-24,745
|
-25,787
|
-25,949
|
-12,123
|
-12,646
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-12,289
|
-11,102
|
-28,715
|
-34,649
|
-33,300
|
-31,461
|
-19,269
|
-17,778
|
-7,017
|
-6,926
|
|
Impuestos y Contribuciones / Taxes and levies
|
-625
|
-553
|
-2,133
|
-1,852
|
-310
|
-335
|
-1,123
|
-1,207
|
-669
|
-480
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-1,207
|
-894
|
-3,881
|
-4,213
|
-5,037
|
-5,313
|
-3,650
|
-3,115
|
-1,430
|
-1,222
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
9,156
|
7,120
|
9,275
|
-78,712
|
10,625
|
-28,080
|
103,621
|
90,420
|
4,245
|
3,387
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
-177
|
-3,004
|
-232
|
-3,174
|
0
|
0
|
-12,026
|
1,804
|
32
|
-191
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
-205
|
-46
|
-2,344
|
-1,720
|
-415
|
-817
|
392
|
399
|
-146
|
-367
|
|
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others
|
-37
|
-489
|
3,273
|
-1,081
|
0
|
0
|
-344
|
0
|
-952
|
-907
|
|
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
|
0
|
0
|
0
|
0
|
|
Deterioro de activos intangibles / Impairment of intangible assets
|
0
|
0
|
0
|
0
|
0
|
612
|
0
|
0
|
0
|
0
|
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
-92
|
-82
|
-502
|
-415
|
-505
|
-944
|
0
|
0
|
-251
|
-30
|
|
Otras provisiones / Others Provisions
|
0
|
-1,187
|
-4
|
-53
|
0
|
0
|
0
|
0
|
-5
|
-783
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
8,645
|
2,312
|
9,466
|
-85,155
|
9,705
|
-29,229
|
91,643
|
92,623
|
2,923
|
1,109
|
|
Otros ingresos y egresos / Other income and expenses
|
2,129
|
-148
|
3,072
|
48,783
|
8,306
|
7,539
|
2,186
|
-171
|
161
|
-300
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
10,774
|
2,164
|
12,538
|
-36,372
|
18,011
|
-21,690
|
93,829
|
92,452
|
3,084
|
809
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-1,340
|
2,508
|
1,692
|
-747
|
-5,520
|
6,506
|
-23,399
|
-20,665
|
-300
|
0
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
9,434
|
4,672
|
14,230
|
-37,119
|
12,491
|
-15,184
|
70,430
|
71,787
|
2,784
|
809
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
|
Liquidez / Liquid Ratio
|
2.08
|
|
2.77
|
|
9.47
|
|
0.73
|
|
1.21
|
|
|
Disponible %
|
11.77
|
|
16.89
|
|
12.29
|
|
29.82
|
|
15.09
|
|
|
Solvencia / Solvency
|
6.36
|
|
7.17
|
|
3.44
|
|
7.40
|
|
4.24
|
|
|
Eficiencia y Gestión %
|
60.18
|
|
33.46
|
|
53.08
|
|
40.32
|
|
43.48
|
|
|
Intermediación Financiera %
|
93.40
|
|
84.06
|
|
75.17
|
|
81.55
|
|
92.64
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
0.16
|
|
0.14
|
|
0.69
|
|
0.65
|
|
0.13
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
1.16
|
|
1.24
|
|
3.18
|
|
5.17
|
|
0.68
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|