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 Alfin Banco BanBif Banco BBVA Peru Banco Bci Peru Banco Falabella
CIIU 6419 6519 6519 6519 65197
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 266,473 242,045 5,286,952 3,876,187 12,259,098 13,526,288 1,427,025 334,704 805,642 784,742
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 56,733 3,001 0 20,005 71,017 0 15,002 32,655
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES 0 0 0 0 3,368,715 4,105,896 67,469 40,489 0 0
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE 39,924 198,475 2,393,443 2,471,251 11,638,840 11,336,273 828,676 605,731 452,895 485,428
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS 0 0 900,219 831,496 0 0 0 0 0 0
CARTERA DE CREDITOS / LOANS PORTFOLIO 937,930 689,961 13,727,188 13,806,562 78,225,677 74,074,772 2,506,007 1,431,543 3,530,914 3,265,576
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes 0 0 120,500 48,536 1,066,635 995,396 65,966 35,634 0 0
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes 0 0 15,481 3,912 40,840 10,180 0 0 0 0
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE 21,778 22,890 103,433 51,190 2,437,415 220,758 2,610 1,825 114,812 168,325
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE 0 0 37,525 34,050 18,837 58,808 0 0 0 0
PARTICIPACIONES / PROFIT SHARING 0 0 0 0 263,230 280,262 0 0 43,560 39,748
Subsidiarias / Subsidiaries 0 0 0 0 250,368 267,580 0 0 23,012 21,312
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures 0 0 0 0 12,862 12,682 0 0 20,548 18,436
Otras / Other 0 0 0 0 0 0 0 0 0 0
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET) 44,594 38,233 125,301 128,980 1,189,250 1,202,028 9,692 5,665 41,529 32,696
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL 3,085 4,098 80,917 82,685 498,050 433,803 28,669 37,720 64,342 79,793
PLUSVALIA / GOODWILL 0 0 0 0 0 0 0 0 0 0
IMPUESTOS CORRIENTES / CURRENT TAX 7,718 5,998 115,420 300,009 0 695,418 10,913 7,143 0 4,333
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 33,459 69,346 151,829 137,662 817,172 807,792 13,576 9,088 46,688 69,211
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) 10,581 11,720 106,286 77,853 537,830 3,461,591 85,948 26,267 108,105 34,931
TOTAL DEL ACTIVO / TOTAL ASSETS 1,365,542 1,282,766 23,221,227 21,853,374 112,361,589 111,229,270 5,117,568 2,535,809 5,223,489 4,997,438
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC 1,088,864 1,044,627 15,848,775 15,801,535 82,586,301 79,421,807 2,906,971 1,238,375 3,436,436 3,278,977
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 86,010 155,040 0 94,084 12,401 52,014 168,029 37,010
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. 5,253 8,296 130,030 139,301 834,142 923,009 278,895 175,967 30,589 46,191
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS 94,821 78,767 3,295,037 2,913,129 7,869,656 7,332,438 748,702 423,520 120,935 206,494
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES 0 0 87,261 45,364 1,061,790 821,514 44,536 29,275 0 0
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES 0 0 1,509 3,060 197,816 78,602 0 0 0 0
CUENTAS POR PAGAR / ACCOUNTS PAYABLE 29,168 22,899 1,234,077 638,671 2,517,588 4,959,096 191,124 14,572 62,434 193,152
PROVISIONES / PROVISIONS 5,415 6,174 177,061 116,813 1,530,292 1,489,914 1,606 151 55,582 43,118
IMPUESTOS CORRIENTES / CURRENT TAX 0 0 0 0 111,886 0 0 0 4,719 0
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 0 0 35,531 33,496 0 0 0 0 0 0
OTROS PASIVOS / OTHER LIABILITIES 6,014 6,358 123,356 91,985 661,522 2,809,562 32,339 12,004 143,022 190,085
TOTAL DEL PASIVO / TOTAL LIABILITIES 1,229,535 1,167,121 21,018,647 19,938,394 97,370,993 97,930,026 4,216,574 1,945,878 4,021,746 3,995,027
Capital social / Capital stock 2,146,827 272,178 1,601,479 1,461,418 9,649,414 8,894,852 862,705 609,923 807,927 807,927
Capital adicional / Additional capital -1,892,679 -43,030 81,478 81,478 0 0 0 0 0 0
Acciones Propias en Cartera / Treasury shares 0 0 0 0 0 0 0 0 0 0
Reservas / Reserves 0 0 198,125 178,116 2,622,072 2,432,622 920 0 184,105 105,827
Resultados Acumulados / Retained earnings -126,131 -114,779 0 0 0 0 -21,076 -29,351 4,734 0
Resultado Neto del Ejercicio / Net profits for fiscal year 8,000 1,277 276,285 200,087 2,390,979 1,886,405 37,405 9,195 178,723 83,012
Ajustes al Patrimonio / Adjustments to equity -10 -1 45,213 -6,119 328,131 85,365 21,040 164 26,254 5,645
TOTAL DEL PATRIMONIO / TOTAL EQUITY 136,007 115,645 2,202,580 1,914,980 14,990,596 13,299,244 900,994 589,931 1,201,743 1,002,411
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY 1,365,542 1,282,766 23,221,227 21,853,374 112,361,589 111,229,270 5,117,568 2,535,809 5,223,489 4,997,438
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 296,883 277,515 1,540,146 1,607,121 7,961,099 8,075,266 200,138 122,157 1,200,303 1,182,700
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES -58,541 -72,010 -722,488 -896,292 -1,898,152 -2,246,080 -131,941 -75,222 -149,508 -190,429
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN 238,342 205,505 817,658 710,829 6,062,947 5,829,186 68,197 46,935 1,050,795 992,271
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans -91,135 -107,819 -202,250 -247,652 -1,492,848 -2,229,543 -13,383 -9,836 -416,529 -561,610
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN 147,207 97,686 615,408 463,177 4,570,099 3,599,643 54,814 37,099 634,266 430,661
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME 47,850 45,709 231,416 229,170 1,907,044 1,806,356 29,661 28,567 332,315 314,154
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES -28,270 -10,036 -107,847 -109,945 -754,859 -761,048 -930 -1,324 -31,132 -26,870
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES 166,787 133,359 738,977 582,402 5,722,284 4,644,951 83,545 64,342 935,449 717,945
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS 5,104 11,228 93,675 90,296 931,205 957,534 30,009 9,070 -40,107 -24,519
MARGEN OPERACIONAL / OPERATING MARGIN 171,891 144,587 832,652 672,698 6,653,489 5,602,485 113,554 73,412 895,342 693,426
Gastos de Personal y Directorio / Personnel and directors' expenses -78,464 -66,043 -274,865 -241,164 -1,328,286 -1,222,051 -37,121 -28,563 -168,555 -151,047
Gastos por Servicios Recibidos de Terceros / Third party service expenses -49,159 -47,395 -107,727 -97,326 -1,542,870 -1,391,973 -26,751 -22,208 -445,033 -391,228
Impuestos y Contribuciones / Taxes and levies -990 -722 -18,369 -19,053 -56,316 -55,254 -1,397 -781 -5,169 -4,419
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION -4,989 -4,513 -42,764 -43,092 -270,178 -268,643 -13,268 -11,967 -36,576 -38,114
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN 38,289 25,914 388,927 272,063 3,455,839 2,664,564 35,017 9,893 240,009 108,618
Provisiones para créditos indirectos / Provisions for indirect loans -137 -54 651 -4,735 -24,776 9,734 -1,530 -60 -1 150
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable -146 -1,073 4,891 -2,937 -36,069 -53,014 -637 0 -5,765 -8,173
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 -6,050 -10,417 -16,323 -33,749 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 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 -225 -223 -18,602 -37,000 0 0 0 0
Deterioro de activos intangibles / Impairment of intangible assets 0 0 0 0 -22,811 -29,713 -160 0 0 0
Provisiones para litigios y demandas / Provisions for litigation and complaints -4,347 -8,846 -3,889 -1,758 -28,134 -58,453 0 0 736 -803
Otras provisiones / Others Provisions 0 0 -983 -331 -21,946 -61,117 -4 -27 -1,904 -24
RESULTADO DE OPERACIÓN / OPERATING PROFITS 33,659 15,941 383,322 251,662 3,287,178 2,401,252 32,686 9,806 233,075 99,768
Otros ingresos y egresos / Other income and expenses -2,400 -11,895 -21,127 -20,280 -9,619 17,240 493 1,411 7,036 7,165
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX 31,259 4,046 362,195 231,382 3,277,559 2,418,492 33,179 11,217 240,111 106,933
IMPUESTO A LA RENTA / INCOME TAX -23,259 -2,769 -85,910 -31,295 -886,580 -532,087 4,226 -2,022 -61,388 -23,921
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) 8,000 1,277 276,285 200,087 2,390,979 1,886,405 37,405 9,195 178,723 83,012
INDICADORES FINANCIEROS / FINANCIAL RATIOS 31/12/2025 31/12/2025 31/12/2025 31/12/2025 31/12/2025
Liquidez / Liquid Ratio 4.06 1.04 0.40 2.20 605.75
Disponible % 19.51 22.77 10.91 27.88 15.42
Solvencia / Solvency 0.57 11.68 7.93 4.88 4.05
Eficiencia y Gestión % 42.49 38.35 36.65 79.50 46.34
Intermediación Financiera % 86.72 87.99 80.75 86.91 77.96
Rentabilidad sobre Activos % / Return on Assets % 0.59 1.19 2.13 0.73 3.42
Rentabilidad de Patrimonio % / Return on Equity % 5.88 12.54 15.95 4.15 14.87
* Estados Financieros expresados en miles de US$