Estados Financieros Comparados Actualizado al 17 de marzo de 2026
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT Bancos Y Financieras/BANKS
CIFRAS EXPRESADAS EN MILES DE SOLES
Empresa/Cuenta Emp. C. Santander Consumo Financiera Confianza Financiera Efectiva Financiera Proempresa Financiera Qapaq
CIIU 6419 6599 6592 65994 6599
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024
DISPONIBLE / FUNDS AVAILABLE 23,389 10,804 348,614 312,240 100,387 80,008 81,048 127,371 75,969 91,467
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 0 0 0 0
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE 0 0 72,361 68,419 429,873 380,688 0 0 0 0
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS 0 0 0 0 0 0 12,868 9,903 4,972 7,923
CARTERA DE CREDITOS / LOANS PORTFOLIO 1,314,496 1,211,806 2,412,635 2,192,235 1,269,302 1,188,645 447,989 489,739 193,586 188,917
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes 0 0 0 0 0 0 0 0 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 27,802 46,104 13,912 11,665 53,307 36,288 1,015 1,193 1,290 1,371
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE 0 0 0 24 334 252 3,400 3,857 558 809
PARTICIPACIONES / PROFIT SHARING 7,614 7,909 50 49 0 0 0 0 0 0
Subsidiarias / Subsidiaries 7,614 7,909 0 0 0 0 0 0 0 0
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures 0 0 50 49 0 0 0 0 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) 624 1,104 20,504 19,171 2,048 2,200 8,429 10,525 15,944 11,655
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL 15,364 22,149 21,487 19,989 60,855 55,210 1,711 1,730 263 354
PLUSVALIA / GOODWILL 0 0 12,139 12,139 0 0 0 0 0 4,842
IMPUESTOS CORRIENTES / CURRENT TAX 5,118 12,367 0 13,509 0 651 5,668 4,569 4,206 3,675
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 6,201 3,821 34,636 28,523 19,311 21,409 6,636 7,027 15,871 16,322
ACTIVOS NO CORRIENTES MANTENIDOS PARA LA VENTA / NON-CURRENT ASSETS HELD FOR SALE 0 0 0 0 0 0 0 1,570 0 0
OTROS ACTIVOS / OTHER ASSETS (NET) 59,818 69,426 5,138 5,089 3,017 2,571 1,597 0 1,077 3,260
TOTAL DEL ACTIVO / TOTAL ASSETS 1,460,426 1,385,490 2,941,476 2,683,052 1,938,434 1,767,922 570,361 657,484 313,736 330,595
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC 0 0 1,828,381 1,586,289 1,018,108 898,215 483,507 560,478 239,636 260,709
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 0 37,067 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 59,227 57,003 11,578 3,851 0 0 0 0
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS 1,102,386 1,040,276 517,946 541,355 417,765 444,117 7,247 22,526 0 10,713
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES 0 0 0 0 0 0 0 0 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 62,170 82,907 37,805 30,318 68,388 49,861 8,470 6,563 6,161 5,876
PROVISIONES / PROVISIONS 997 404 12,250 6,553 1,051 1,102 671 849 151 47
IMPUESTOS CORRIENTES / CURRENT TAX 0 0 14,912 0 12,040 0 0 0 0 0
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 7,156 17,418 0 0 0 0 0 0 0 0
OTROS PASIVOS / OTHER LIABILITIES 18,409 13,208 6,331 5,376 4,215 6,369 56 73 123 1,979
TOTAL DEL PASIVO / TOTAL LIABILITIES 1,191,118 1,154,213 2,476,852 2,263,961 1,533,145 1,403,515 499,951 590,489 246,071 279,324
Capital social / Capital stock 172,983 172,983 289,648 285,105 264,443 264,443 77,715 77,715 101,605 91,105
Capital adicional / Additional capital 0 0 38,086 38,086 0 0 2,582 82 0 10,500
Acciones Propias en Cartera / Treasury shares 0 0 0 0 0 0 0 0 0 0
Reservas / Reserves 45,088 31,882 84,501 83,204 45,210 39,168 7,038 7,038 23 0
Resultados Acumulados / Retained earnings 0 0 0 0 0 244 -17,840 -15,891 -50,334 -37,435
Resultado Neto del Ejercicio / Net profits for fiscal year 51,237 26,412 52,390 12,696 95,645 60,424 915 -1,949 16,371 -12,899
Ajustes al Patrimonio / Adjustments to equity 0 0 -1 0 -9 128 0 0 0 0
TOTAL DEL PATRIMONIO / TOTAL EQUITY 269,308 231,277 464,624 419,091 405,289 364,407 70,410 66,995 67,665 51,271
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY 1,460,426 1,385,490 2,941,476 2,683,052 1,938,434 1,767,922 570,361 657,484 313,736 330,595
ESTADO DE RESULTADOS / INCOME STATEMENT 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024 31/12/2025 31/12/2024
TOTAL INGRESOS POR INTERESES / TOTAL INTEREST INCOME 211,366 222,815 594,335 548,570 525,566 474,559 138,283 141,858 98,743 95,872
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES -71,292 -77,131 -104,767 -127,050 -83,317 -85,022 -33,676 -46,756 -12,055 -21,160
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN 140,074 145,684 489,568 421,520 442,249 389,537 104,607 95,102 86,688 74,712
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans -38,510 -48,701 -128,134 -151,086 -159,949 -195,272 -38,196 -32,993 -27,300 -36,577
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN 101,564 96,983 361,434 270,434 282,300 194,265 66,411 62,109 59,388 38,135
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME 68,362 52,616 36,619 29,415 57,647 59,721 3,126 4,445 4,693 3,480
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES -53,881 -56,960 -19,240 -14,272 -7,450 -3,234 -6,822 -5,436 -5,674 -4,590
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES 116,045 92,639 378,813 285,577 332,497 250,752 62,715 61,118 58,407 37,025
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS 50,013 40,547 797 3,701 -23,311 -14,939 42 379 17,795 11,044
MARGEN OPERACIONAL / OPERATING MARGIN 166,058 133,186 379,610 289,278 309,186 235,813 62,757 61,497 76,202 48,069
Gastos de Personal y Directorio / Personnel and directors' expenses -27,328 -22,838 -214,829 -192,167 -124,917 -105,936 -39,718 -38,513 -34,066 -33,539
Gastos por Servicios Recibidos de Terceros / Third party service expenses -59,143 -68,036 -64,840 -61,575 -45,130 -43,173 -19,773 -19,457 -18,744 -21,338
Impuestos y Contribuciones / Taxes and levies -1,620 -2,996 -1,390 -1,193 -1,407 -1,481 -471 -560 -382 -418
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION -9,498 -5,345 -13,239 -12,128 -6,814 -5,514 -2,186 -2,390 -1,149 -1,680
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN 68,469 33,971 85,312 22,215 130,918 79,709 609 577 21,861 -8,906
Provisiones para créditos indirectos / Provisions for indirect loans 0 0 0 0 -14 -12 0 0 0 0
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable -95 -5,347 -2,026 -2,841 -70 -3,122 -725 -2,877 -134 -119
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 68 10 -204 285 -793 -439 89 402
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 -1
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 -4,842 -345
Provisiones para litigios y demandas / Provisions for litigation and complaints -832 0 -1,358 -719 0 0 -6 -55 -126 -38
Otras provisiones / Others Provisions 0 0 -930 -111 0 0 -226 0 0 0
RESULTADO DE OPERACIÓN / OPERATING PROFITS 67,542 28,624 81,066 18,554 130,630 76,860 -1,141 -2,794 16,848 -9,007
Otros ingresos y egresos / Other income and expenses 10,389 12,558 -6,295 -1,634 -149 1,779 1,235 185 -27 -1,604
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX 77,931 41,182 74,771 16,920 130,481 78,639 94 -2,609 16,821 -10,611
IMPUESTO A LA RENTA / INCOME TAX -26,694 -14,770 -22,381 -4,224 -34,836 -18,215 821 660 -450 -2,288
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) 51,237 26,412 52,390 12,696 95,645 60,424 915 -1,949 16,371 -12,899
INDICADORES FINANCIEROS / FINANCIAL RATIOS 31/12/2025 31/12/2025 31/12/2025 31/12/2025 31/12/2025
Liquidez / Liquid Ratio n.d. 312.10 n.d. 1,174.61 10.67
Disponible % 1.60 11.85 5.18 14.21 24.21
Solvencia / Solvency 5.46 6.62 4.95 5.90 2.42
Eficiencia y Gestión % 37.20 53.96 35.14 54.25 55.99
Intermediación Financiera % 72.86 95.15 90.14 96.94 95.49
Rentabilidad sobre Activos % / Return on Assets % 3.51 1.78 4.93 0.16 5.22
Rentabilidad de Patrimonio % / Return on Equity % 19.03 11.28 23.60 1.30 24.19
* Estados Financieros expresados en miles de US$