| 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
|
CRAC Los Andes
|
Caja Cusco
|
Caja Huancayo
|
Citibank Perú
|
Compartamos Banco
|
|
CIIU
|
|
6599
|
65994
|
65197
|
6711
|
|
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
|
140,749
|
54,712
|
468,880
|
585,387
|
816,842
|
955,417
|
2,187,992
|
2,058,247
|
357,340
|
396,253
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
0
|
0
|
0
|
0
|
0
|
872,615
|
988,736
|
0
|
0
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
166
|
201
|
623,886
|
321,039
|
465,603
|
394,832
|
2,850,146
|
2,237,696
|
405,522
|
367,428
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
6,665
|
6,585
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
573,013
|
562,551
|
5,450,731
|
5,117,239
|
8,214,701
|
8,219,153
|
1,553,559
|
1,596,965
|
3,904,658
|
3,989,961
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
0
|
0
|
0
|
0
|
0
|
0
|
49,942
|
56,646
|
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
|
5,709
|
5,218
|
17,840
|
16,001
|
25,984
|
27,297
|
31,772
|
23,352
|
22,512
|
52,885
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
109
|
109
|
1
|
0
|
745
|
865
|
0
|
0
|
0
|
0
|
|
PARTICIPACIONES / PROFIT SHARING
|
0
|
0
|
1,825
|
1,749
|
4,554
|
4,554
|
0
|
0
|
19,089
|
19,209
|
|
Subsidiarias / Subsidiaries
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
19,089
|
19,209
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Otras / Other
|
0
|
0
|
1,825
|
1,749
|
4,554
|
4,554
|
0
|
0
|
0
|
0
|
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
10,466
|
10,829
|
105,305
|
104,207
|
92,594
|
90,672
|
29,686
|
30,648
|
55,252
|
57,291
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
7,366
|
6,681
|
10,011
|
5,626
|
15,124
|
17,876
|
2,510
|
2,490
|
48,742
|
48,714
|
|
PLUSVALIA / GOODWILL
|
2,272
|
2,272
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
6,859
|
7,038
|
0
|
15,475
|
9,862
|
25,189
|
119,694
|
112,098
|
0
|
8,387
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
11,456
|
11,938
|
58,330
|
43,502
|
60,228
|
53,908
|
542
|
4,746
|
54,621
|
44,245
|
|
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)
|
11,345
|
10,391
|
20,721
|
23,995
|
22,217
|
20,126
|
3,004,730
|
2,055,199
|
40,994
|
35,596
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
776,175
|
678,525
|
6,757,530
|
6,234,220
|
9,728,454
|
9,809,889
|
10,703,188
|
9,166,823
|
4,908,730
|
5,019,969
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
647,857
|
556,508
|
5,262,673
|
4,692,237
|
7,228,536
|
7,312,289
|
4,701,241
|
4,391,930
|
2,975,430
|
2,937,987
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
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
|
796
|
44,164
|
34,707
|
37,287
|
1,427,015
|
1,019,596
|
7
|
11
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
3,883
|
4,461
|
590,019
|
681,135
|
1,306,300
|
1,319,265
|
118,364
|
64,222
|
802,716
|
1,002,147
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
0
|
0
|
0
|
0
|
0
|
0
|
107,536
|
61,953
|
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
|
10,873
|
7,295
|
114,950
|
133,499
|
125,984
|
100,686
|
76,217
|
280,591
|
115,975
|
99,287
|
|
PROVISIONES / PROVISIONS
|
562
|
321
|
3,827
|
2,617
|
2,298
|
2,943
|
15,794
|
14,124
|
1,147
|
1,000
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
27,005
|
0
|
0
|
0
|
0
|
0
|
5,238
|
0
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
3,383
|
3,422
|
0
|
0
|
0
|
0
|
0
|
0
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
2,778
|
870
|
20,056
|
30,905
|
13,158
|
15,959
|
2,983,119
|
2,145,327
|
15,743
|
19,979
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
665,953
|
569,455
|
6,022,709
|
5,587,979
|
8,710,983
|
8,788,429
|
9,429,286
|
7,977,743
|
3,916,256
|
4,060,411
|
|
Capital social / Capital stock
|
73,817
|
73,817
|
502,999
|
479,917
|
797,668
|
797,668
|
443,175
|
443,175
|
749,670
|
749,670
|
|
Capital adicional / Additional capital
|
70,593
|
70,593
|
49,115
|
23,253
|
84,189
|
0
|
17,130
|
17,130
|
93,491
|
449
|
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Reservas / Reserves
|
0
|
0
|
141,936
|
131,060
|
111,309
|
98,837
|
269,214
|
269,214
|
116,119
|
105,659
|
|
Resultados Acumulados / Retained earnings
|
-35,340
|
-30,890
|
0
|
0
|
0
|
0
|
421,291
|
2
|
0
|
0
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
1,152
|
-4,450
|
42,770
|
15,035
|
24,065
|
124,724
|
91,950
|
421,289
|
33,016
|
103,503
|
|
Ajustes al Patrimonio / Adjustments to equity
|
0
|
0
|
-1,999
|
-3,024
|
240
|
231
|
31,142
|
38,270
|
178
|
277
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
110,222
|
109,070
|
734,821
|
646,241
|
1,017,471
|
1,021,460
|
1,273,902
|
1,189,080
|
992,474
|
959,558
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
776,175
|
678,525
|
6,757,530
|
6,234,220
|
9,728,454
|
9,809,889
|
10,703,188
|
9,166,823
|
4,908,730
|
5,019,969
|
|
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
|
45,052
|
42,394
|
286,383
|
260,399
|
428,371
|
392,985
|
96,412
|
112,957
|
407,171
|
375,408
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-8,854
|
-11,191
|
-68,907
|
-80,077
|
-97,601
|
-128,224
|
-6,771
|
-7,604
|
-53,125
|
-74,169
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
36,198
|
31,203
|
217,476
|
180,322
|
330,770
|
264,761
|
89,641
|
105,353
|
354,046
|
301,239
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-10,467
|
-8,120
|
-48,146
|
-68,812
|
-137,241
|
-119,012
|
-638
|
-9,850
|
-132,744
|
-127,127
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
25,731
|
23,083
|
169,330
|
111,510
|
193,529
|
145,749
|
89,003
|
95,503
|
221,302
|
174,112
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
2,250
|
2,061
|
14,253
|
11,102
|
23,522
|
21,586
|
49,726
|
47,962
|
41,909
|
37,210
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-1,372
|
-1,190
|
-9,612
|
-9,069
|
-18,951
|
-16,759
|
-8,075
|
-3,520
|
-15,426
|
-12,251
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
26,609
|
23,954
|
173,971
|
113,543
|
198,100
|
150,576
|
130,654
|
139,945
|
247,785
|
199,071
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
-104
|
18
|
392
|
331
|
562
|
311
|
51,630
|
42,473
|
-276
|
756
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
26,505
|
23,972
|
174,363
|
113,874
|
198,662
|
150,887
|
182,284
|
182,418
|
247,509
|
199,827
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-15,643
|
-14,545
|
-78,860
|
-63,737
|
-113,064
|
-96,608
|
-27,362
|
-32,063
|
-136,254
|
-119,489
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-5,851
|
-6,343
|
-31,395
|
-24,539
|
-43,288
|
-43,493
|
-27,307
|
-16,613
|
-49,711
|
-42,485
|
|
Impuestos y Contribuciones / Taxes and levies
|
-124
|
-125
|
-1,742
|
-1,447
|
-1,775
|
-1,648
|
-4,135
|
-4,955
|
-719
|
-662
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-746
|
-628
|
-3,760
|
-3,396
|
-8,175
|
-5,551
|
-1,171
|
-1,218
|
-8,847
|
-6,819
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
4,141
|
2,331
|
58,606
|
20,755
|
32,360
|
3,587
|
122,309
|
127,569
|
51,978
|
30,372
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
0
|
-17
|
-3
|
298
|
78
|
-2,443
|
642
|
0
|
0
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
0
|
0
|
-267
|
7
|
-54
|
-29
|
-270
|
-62
|
-766
|
-1,923
|
|
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
|
-16
|
-1
|
0
|
-49
|
-256
|
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
|
-35
|
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
|
0
|
0
|
0
|
0
|
0
|
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
-171
|
-82
|
-203
|
-39
|
-626
|
-187
|
-3
|
-19
|
-266
|
-122
|
|
Otras provisiones / Others Provisions
|
0
|
0
|
0
|
0
|
0
|
0
|
-648
|
-31
|
0
|
0
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
3,935
|
2,233
|
58,118
|
20,720
|
31,929
|
3,193
|
118,945
|
128,099
|
50,946
|
28,327
|
|
Otros ingresos y egresos / Other income and expenses
|
-2,301
|
-725
|
117
|
-378
|
1,054
|
953
|
1,644
|
-5,249
|
-3,635
|
290
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
1,634
|
1,508
|
58,235
|
20,342
|
32,983
|
4,146
|
120,589
|
122,850
|
47,311
|
28,617
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-482
|
-445
|
-15,465
|
-5,307
|
-8,918
|
-2,269
|
-28,639
|
-36,657
|
-14,295
|
-6,647
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
1,152
|
1,063
|
42,770
|
15,035
|
24,065
|
1,877
|
91,950
|
86,193
|
33,016
|
21,970
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
31/03/2025
|
|
Liquidez / Liquid Ratio
|
255.91
|
|
111.21
|
|
115.78
|
|
0.48
|
|
7.51
|
|
|
Disponible %
|
18.13
|
|
6.94
|
|
8.40
|
|
20.44
|
|
7.28
|
|
|
Solvencia / Solvency
|
9.02
|
|
9.34
|
|
9.58
|
|
13.24
|
|
4.52
|
|
|
Eficiencia y Gestión %
|
56.16
|
|
47.96
|
|
44.56
|
|
40.68
|
|
47.53
|
|
|
Intermediación Financiera %
|
100.11
|
|
95.22
|
|
94.57
|
|
65.24
|
|
91.41
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
0.15
|
|
0.63
|
|
0.25
|
|
0.86
|
|
0.67
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
1.05
|
|
5.82
|
|
2.37
|
|
7.22
|
|
3.33
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|