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 Mitsui Auto Finance Perú Santander Consumer Bank Santander Financiamientos Scotiabank Perú Total Serv. Fin. Emp. C.
CIIU 6591 65197 6419 6519 6591
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 31,002 33,208 267,668 291,759 66,238 50,910 14,189,340 13,114,169 14,684 11,456
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 10,001 0 0 0 26,003 0 0 0
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES 0 0 0 0 17,629 6,987 1,452,255 1,459,041 0 0
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE 0 0 116,987 156,171 0 0 7,092,350 6,314,827 0 0
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS 0 0 0 0 0 0 0 0 0 0
CARTERA DE CREDITOS / LOANS PORTFOLIO 1,572,416 1,427,053 2,115,908 2,064,414 307,643 306,405 44,834,690 45,393,303 357,334 397,581
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes 0 0 0 0 0 0 300,884 190,183 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 17,471 12,634 21,849 23,291 4,408 3,087 1,467,108 1,004,047 4,062 5,619
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE 40 0 28 0 0 0 25,808 30,557 1,289 2,888
PARTICIPACIONES / PROFIT SHARING 6,657 2,832 0 0 0 0 334,633 905,125 0 0
Subsidiarias / Subsidiaries 6,657 0 0 0 0 0 293,203 867,380 0 0
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures 0 2,832 0 0 0 0 41,430 37,745 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) 5,922 6,144 13,287 12,057 1,094 1,569 286,588 276,743 15,081 15,168
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL 13,965 13,884 14,788 1,190 22,136 16,278 206,040 200,887 5,671 7,114
PLUSVALIA / GOODWILL 0 0 0 0 0 0 287,074 287,074 0 0
IMPUESTOS CORRIENTES / CURRENT TAX 0 1,616 0 22,195 4,033 2,025 264,057 268,170 0 10,539
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 0 0 89,768 105,155 18,076 19,273 466,049 571,977 2,966 2,969
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) 60,734 47,700 35,246 28,079 2,687 679 491,636 398,735 14,252 17,132
TOTAL DEL ACTIVO / TOTAL ASSETS 1,708,207 1,545,071 2,685,530 2,704,311 443,944 407,213 71,724,515 70,414,838 415,339 470,466
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC 453 399 1,279,466 1,277,546 120,729 91,755 49,885,009 48,005,264 0 0
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 0 0 0 0 0 183,050 0 0
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. 0 0 0 0 14,171 8,096 335,754 336,324 0 0
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS 1,173,992 1,134,321 436,099 577,221 156,454 184,301 5,745,489 6,706,444 317,464 371,980
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES 0 0 0 0 0 0 465,762 180,876 0 0
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES 0 0 0 0 0 0 11,939 54 0 0
CUENTAS POR PAGAR / ACCOUNTS PAYABLE 65,604 40,929 89,004 51,731 15,570 7,466 2,582,898 2,058,538 8,151 10,391
PROVISIONES / PROVISIONS 219 109 13,801 5,307 0 0 352,044 275,355 1,962 1,640
IMPUESTOS CORRIENTES / CURRENT TAX 17,962 0 9,006 0 0 0 0 0 1,445 0
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 2,371 2,374 0 0 0 0 0 0 3,866 2,909
OTROS PASIVOS / OTHER LIABILITIES 8,500 10,714 19,254 29,108 2,082 579 619,291 760,615 4,514 7,233
TOTAL DEL PASIVO / TOTAL LIABILITIES 1,269,101 1,188,846 1,846,630 1,940,913 309,006 292,197 59,998,186 58,506,520 337,402 394,153
Capital social / Capital stock 282,253 234,218 528,769 528,769 191,942 173,692 8,226,779 8,226,779 68,915 66,829
Capital adicional / Additional capital 0 0 812 812 0 0 33,079 33,079 0 0
Acciones Propias en Cartera / Treasury shares 0 0 0 0 0 0 -2 -2 0 0
Reservas / Reserves 65,534 60,196 185,069 185,069 0 0 1,800,098 1,704,337 7,284 7,052
Resultados Acumulados / Retained earnings 8,438 8,438 23,468 0 -58,676 -45,207 173 1,083,138 -6,026 114
Resultado Neto del Ejercicio / Net profits for fiscal year 82,881 53,373 97,526 46,935 1,675 -13,469 1,476,803 957,613 7,764 2,318
Ajustes al Patrimonio / Adjustments to equity 0 0 3,256 1,813 -3 0 189,399 -96,626 0 0
TOTAL DEL PATRIMONIO / TOTAL EQUITY 439,106 356,225 838,900 763,398 134,938 115,016 11,726,329 11,908,318 77,937 76,313
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY 1,708,207 1,545,071 2,685,530 2,704,311 443,944 407,213 71,724,515 70,414,838 415,339 470,466
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 294,177 266,689 683,688 696,217 91,583 90,269 4,736,545 5,043,177 73,440 68,062
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES -78,099 -81,437 -79,757 -112,600 -13,592 -17,261 -1,548,297 -1,863,177 -28,986 -28,987
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN 216,078 185,252 603,931 583,617 77,991 73,008 3,188,248 3,180,000 44,454 39,075
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans -34,966 -45,556 -218,118 -313,665 -29,066 -40,365 -720,989 -1,145,851 -3,259 -13,572
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN 181,112 139,696 385,813 269,952 48,925 32,643 2,467,259 2,034,149 41,195 25,503
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME 41,883 38,544 90,542 93,325 16,484 11,400 970,139 939,255 20,289 17,433
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES -2,039 -1,758 -24,037 -15,301 -4,509 -4,225 -407,970 -420,937 -8,837 -7,221
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES 220,956 176,482 452,318 347,976 60,900 39,818 3,029,428 2,552,467 52,647 35,715
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS 43,762 27,987 2,788 1,780 202 84 544,230 563,216 -12 398
MARGEN OPERACIONAL / OPERATING MARGIN 264,718 204,469 455,106 349,756 61,102 39,902 3,573,658 3,115,683 52,635 36,113
Gastos de Personal y Directorio / Personnel and directors' expenses -59,118 -51,108 -136,357 -104,085 -40,880 -42,495 -808,775 -759,370 -19,461 -18,334
Gastos por Servicios Recibidos de Terceros / Third party service expenses -78,871 -76,346 -171,730 -169,601 -16,045 -11,817 -750,597 -730,407 -10,281 -8,167
Impuestos y Contribuciones / Taxes and levies -15,426 -13,230 -4,027 -5,113 -287 -359 -100,977 -96,950 -496 -459
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION -2,801 -2,749 -2,566 -3,591 -2,851 -1,956 -68,404 -65,737 -2,423 -2,017
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN 108,502 61,036 140,426 67,366 1,039 -16,725 1,844,905 1,463,219 19,974 7,136
Provisiones para créditos indirectos / Provisions for indirect loans 0 0 0 0 0 0 -66,560 62,749 0 0
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable -2,277 -817 -1,480 -2,370 0 0 -2,389 -5,029 -2,396 -1,408
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others -30 0 -7 -28 0 0 -13,531 -14,664 -1,878 -3,799
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 -1,734 -1,652 -165 35 0 0 -441 -395,671 0 0
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment 0 0 0 0 0 0 -2,026 -159 0 0
Deterioro de activos intangibles / Impairment of intangible assets 0 0 0 0 0 0 -1,516 -8,047 0 0
Provisiones para litigios y demandas / Provisions for litigation and complaints -110 -39 -246 124 0 0 -6,294 -5,803 -556 -407
Otras provisiones / Others Provisions -22 0 0 0 0 0 -509 -1,523 0 1
RESULTADO DE OPERACIÓN / OPERATING PROFITS 104,329 58,528 138,528 65,127 1,039 -16,725 1,751,639 1,095,072 15,144 1,523
Otros ingresos y egresos / Other income and expenses 15,873 19,852 -1,056 -945 1,833 -1,555 87,586 43,117 -2,142 2,049
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX 120,202 78,380 137,472 64,182 2,872 -18,280 1,839,225 1,138,189 13,002 3,572
IMPUESTO A LA RENTA / INCOME TAX -37,321 -25,007 -39,946 -17,247 -1,197 4,811 -362,422 -180,576 -5,238 -1,254
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) 82,881 53,373 97,526 46,935 1,675 -13,469 1,476,803 957,613 7,764 2,318
INDICADORES FINANCIEROS / FINANCIAL RATIOS 31/12/2025 31/12/2025 31/12/2025 31/12/2025 31/12/2025
Liquidez / Liquid Ratio n.d. 22.26 n.d. 0.65 n.d.
Disponible % 1.81 9.97 14.92 19.78 3.54
Solvencia / Solvency 3.65 2.59 1.61 5.98 4.43
Eficiencia y Gestión % 60.08 43.80 60.68 37.86 44.39
Intermediación Financiera % 83.59 88.43 83.33 81.75 80.19
Rentabilidad sobre Activos % / Return on Assets % 4.85 3.63 0.38 2.06 1.87
Rentabilidad de Patrimonio % / Return on Equity % 18.87 11.63 1.24 12.59 9.96
* Estados Financieros expresados en miles de US$