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 Fondo Mivivienda ICBC Perú Bank INTERBANK InFinance XP Mibanco
CIIU 65994 6419 6519 6599 6519
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 1,498,193 1,157,058 1,023,718 1,270,180 12,896,712 11,600,003 461,104 289,970 1,953,012 1,833,225
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 0 0 40,006 220,060 0 0 0 0
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES 0 0 0 0 702 8,538 0 0 0 0
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE 294,317 305,381 202,852 209,401 8,108,179 7,378,569 0 0 2,755,629 2,850,156
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS 39,190 47,484 182,300 179,497 3,845,736 3,796,852 0 0 101,198 62,973
CARTERA DE CREDITOS / LOANS PORTFOLIO 79,737 16,767 1,057,900 998,431 48,883,855 47,190,332 1,699,616 1,424,791 12,740,582 11,221,182
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes 0 0 0 0 108,717 73,167 0 0 10,354 9,125
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes 25,405 23,810 0 0 0 16,247 0 0 0 0
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE 11,083,304 11,331,646 987 1,003 299,583 564,752 121,685 152,501 68,396 39,106
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE 1 0 0 0 11,546 7,409 0 0 0 1
PARTICIPACIONES / PROFIT SHARING 0 0 0 0 251,701 187,913 0 0 216 298
Subsidiarias / Subsidiaries 0 0 0 0 115,841 40,161 0 0 216 298
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures 0 0 0 0 135,860 147,752 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) 4,161 1,861 2,279 2,305 433,023 324,208 9,722 8,814 104,470 112,513
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL 9,858 12,938 116 23 601,181 602,599 51,120 18,195 182,591 169,677
PLUSVALIA / GOODWILL 0 0 0 0 0 0 0 0 139,180 139,180
IMPUESTOS CORRIENTES / CURRENT TAX 0 36,401 1,093 9,899 221,503 655,272 17,222 20,561 0 103,105
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 73,035 65,130 6,358 6,413 62,079 93,370 29,241 43,835 119,650 93,956
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) 8,812 19,433 8,966 2,163 285,971 233,417 13,007 8,907 40,547 29,276
TOTAL DEL ACTIVO / TOTAL ASSETS 13,116,013 13,017,909 2,486,569 2,679,315 76,050,494 72,952,708 2,402,717 1,967,574 18,215,825 16,663,773
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC 238 243 1,442,452 1,665,777 53,257,915 50,336,564 1,552,561 1,244,602 10,921,509 10,955,889
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 0 0 55,019 0 0 0 10,001 52,014
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. 0 0 51,252 10,003 446,343 845,090 0 0 175,777 113,174
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS 8,199,567 8,307,247 399,673 446,369 11,017,732 11,632,841 383,812 321,309 2,929,251 2,242,950
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES 0 0 0 0 68,814 87,101 0 0 3,504 15,722
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES 615,063 352,539 0 0 112,925 3,819 0 0 16,711 5,240
CUENTAS POR PAGAR / ACCOUNTS PAYABLE 475,441 745,803 7,348 6,044 727,914 823,735 87,583 70,844 1,232,661 687,430
PROVISIONES / PROVISIONS 4,436 3,361 10,037 6,735 112,874 131,049 3,675 2,246 38,300 31,152
IMPUESTOS CORRIENTES / CURRENT TAX 11,718 0 0 0 0 0 0 0 114,034 0
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 0 0 1,460 1,769 0 0 0 0 0 0
OTROS PASIVOS / OTHER LIABILITIES 72,981 48,147 8,163 7,578 433,898 637,682 1,083 2,444 6,054 20,640
TOTAL DEL PASIVO / TOTAL LIABILITIES 9,379,444 9,457,340 1,920,385 2,144,275 66,233,434 64,497,881 2,028,714 1,641,445 15,447,802 14,124,211
Capital social / Capital stock 3,637,734 3,562,560 364,780 364,780 6,734,235 6,314,084 445,740 422,540 1,840,606 1,840,606
Capital adicional / Additional capital 0 0 0 0 -15,354 -15,523 0 0 0 0
Acciones Propias en Cartera / Treasury shares 0 0 0 0 -18,556 -18,387 0 0 0 0
Reservas / Reserves 58,437 50,084 174,734 134,502 1,466,377 1,373,010 20,408 20,408 365,847 334,650
Resultados Acumulados / Retained earnings -409 -449 0 0 0 0 -116,819 -84,574 73 57,604
Resultado Neto del Ejercicio / Net profits for fiscal year 120,572 83,527 25,291 40,232 1,458,505 933,670 24,674 -32,245 550,091 311,969
Ajustes al Patrimonio / Adjustments to equity -79,765 -135,153 1,379 -4,474 191,853 -132,027 0 0 11,406 -5,267
TOTAL DEL PATRIMONIO / TOTAL EQUITY 3,736,569 3,560,569 566,184 535,040 9,817,060 8,454,827 374,003 326,129 2,768,023 2,539,562
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY 13,116,013 13,017,909 2,486,569 2,679,315 76,050,494 72,952,708 2,402,717 1,967,574 18,215,825 16,663,773
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 811,026 812,089 114,828 155,762 5,762,344 5,913,208 497,314 482,025 3,164,862 3,124,155
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES -443,406 -476,611 -60,883 -104,382 -1,881,457 -2,124,356 -84,029 -101,366 -649,862 -789,640
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN 367,620 335,478 53,945 51,380 3,880,887 3,788,852 413,285 380,659 2,515,000 2,334,515
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans -3,984 1,140 -9,292 250 -1,093,964 -1,769,217 -225,068 -284,303 -507,418 -707,472
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN 363,636 336,618 44,653 51,630 2,786,923 2,019,635 188,217 96,356 2,007,582 1,627,043
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME 26,351 4,814 22,702 24,990 1,257,711 1,162,997 226,401 211,679 149,237 122,258
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES -2,371 -1,870 -512 -422 -547,746 -544,161 -21,927 -5,253 -56,629 -58,904
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES 387,616 339,562 66,843 76,198 3,496,888 2,638,471 392,691 302,782 2,100,190 1,690,397
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS -146,091 -121,139 5,521 6,647 635,851 475,190 2,352 745 8,025 12,734
MARGEN OPERACIONAL / OPERATING MARGIN 241,525 218,423 72,364 82,845 4,132,739 3,113,661 395,043 303,527 2,108,215 1,703,131
Gastos de Personal y Directorio / Personnel and directors' expenses -45,746 -35,537 -23,177 -22,617 -773,622 -645,971 -87,081 -70,306 -926,089 -830,776
Gastos por Servicios Recibidos de Terceros / Third party service expenses -24,082 -24,662 -5,834 -6,716 -1,110,743 -1,023,204 -233,131 -223,030 -341,649 -344,826
Impuestos y Contribuciones / Taxes and levies -511 -477 -1,647 -1,707 -32,740 -30,994 -5,576 -5,158 -10,813 -9,662
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION -3,567 -3,060 -366 -396 -275,579 -261,581 -19,286 -12,403 -64,848 -60,060
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN 167,619 154,687 41,340 51,409 1,940,055 1,151,911 49,969 -7,370 764,816 457,807
Provisiones para créditos indirectos / Provisions for indirect loans 0 0 -3,461 1,292 0 0 0 0 0 0
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable 11,502 -36,077 0 0 -9,537 -6,462 -2,483 -8,613 -450 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 -1 -11
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 -2,457 -131 0 0 -220 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 -1,420 -1,295 0 0 -104 -3,475 -1,585 -405 -1,273 128
Otras provisiones / Others Provisions -1,818 -437 -311 54 -1,210 -7,154 0 0 0 0
RESULTADO DE OPERACIÓN / OPERATING PROFITS 175,883 116,878 37,568 52,755 1,926,747 1,134,689 45,901 -16,388 762,872 457,924
Otros ingresos y egresos / Other income and expenses 145 3,116 -77 -171 -2,682 22,080 -6,633 -16,811 -14,564 -58,972
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX 176,028 119,994 37,491 52,584 1,924,065 1,156,769 39,268 -33,199 748,308 398,952
IMPUESTO A LA RENTA / INCOME TAX -55,456 -36,467 -12,200 -12,352 -465,560 -223,099 -14,594 954 -198,217 -86,983
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) 120,572 83,527 25,291 40,232 1,458,505 933,670 24,674 -32,245 550,091 311,969
INDICADORES FINANCIEROS / FINANCIAL RATIOS 31/12/2025 31/12/2025 31/12/2025 31/12/2025 31/12/2025
Liquidez / Liquid Ratio n.d. 3.30 1.01 27.75 25.55
Disponible % 11.42 41.17 16.96 19.19 10.72
Solvencia / Solvency 2.54 3.56 8.08 4.35 7.00
Eficiencia y Gestión % 18.65 40.21 38.56 52.16 49.37
Intermediación Financiera % 96.84 83.54 82.12 69.35 95.92
Rentabilidad sobre Activos % / Return on Assets % 0.92 1.02 1.92 1.03 3.02
Rentabilidad de Patrimonio % / Return on Equity % 3.23 4.47 14.86 6.60 19.87
* Estados Financieros expresados en miles de US$