{"text_format":"1","workbook":"xlsx","n_sheets":33,"sheets":["Index","0. Overview BAP","0.1.Contribution BAP","0.2.ROAE","0.3. Strategy & Yape","1.1. Loans","1.2.Portfolio Quality ","2.Deposits","3.1.IEA","3.2. Funding","4.Net Interest Income","5.Provisions","6.1.Other Core Income","6.2.Other Non-Core Income ","7.Underwriting Results","8.Operating Expenses","9.Operating Efficiency","10.1.Regulatory Capital BAP","10.2.Regulatory Capital BCP","10.3.Regulatory Capital Mibanco","11.Economic Perspectives","Annexes >>","Hoja1","12.1.Physical Channels","12.5.1.Credicorp Consolidated ","12.5.2 Credicorp Stand-alone","12.5.3 BCP Consolidated","12.5.4 BCP Stand-alone","12.5.5 BCP Bolivia","12.5.6. Mibanco","12.5.7. Prima AFP ","12.5.8. Grupo Pacifico","12.5.9. IM & A"],"not_rendered":{"charts":0,"images":1,"macros":0,"external_links":16,"defined_names":43968,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

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[]
[]
["Credicorp Ltd. Financial Data 2Q25 "]
[]
[]
[null,"Index"]
[]
[null,"0. Overview BAP"]
[null,"0.1. Contribution BAP"]
[null,"0.2. ROAE "]
[null,"0.3. Strategy & Yape"]
[null,"1.1. Loans"]
[null,"1.2. Portfolio Quality"]
[null,"2. Deposits"]
[null,"3.1. IEAs"]
[null,"3.2. Funding"]
[null,"4. Net Interest Income"]
[null,"5. Provisions"]
[null,"6.1. Other Income - core"]
[null,"6.2. Other Income - non core"]
[null,"7. Underwriting result"]
[null,"8. Operating Expenses"]
[null,"9. Operating Efficiency"]
[null,"10.1. Regulatory Capital BAP"]
[null,"10.2. Regulatory Capital BCP"]
[null,"10.3. Regulatory Capital Mb"]
[null,"11. Economic Perspectives"]
[null,"12. Annexes"]

{"sheet":"0. Overview BAP","index":1,"n_rows":71,"n_cols":42,"rows_kept":71,"cut":false,"hidden":false,"merged":[[66,1,66,9],[67,1,67,9],[3,39,4,41],[70,1,70,9],[68,1,68,9],[3,2,4,17],[3,19,4,22],[3,24,4,33],[69,1,69,9],[57,1,57,9],[59,1,59,9],[60,1,60,9],[61,1,61,9],[62,1,62,9],[63,1,63,9],[64,1,64,9],[65,1,65,9]]}
[null,"Back to index"]
[]
[null,"(IFRS, under previous regulation)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"( IFRS, under current regulation as of January 2023)"]
[null,"Credicorp Ltd. ","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"S/000"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"2019","2020","2021","2022",null,"1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2022,2023,2024]
[null,"Net interest, similar income and expenses",2197168,2252403,2276400,2365050,2379527,1961350,2161905,2068560,2123383,2309042,2451099,2477234,2534090,2740440,3001426,3243018,null,9091751,8571342,9359604,11518095,null,2431707,2637106,2882400.7729700003,3140404,3132089,3204156,3254043,3347684,3426123,3468464,3590750,3629794,3572012,3615371,null,11091618,12937972,14115131]
[null,"Provision for credit losses on loan portfolio, net of  recoveries",-383211,-448294,-502772,-511659,-1341481,-2540457,-1305905,-732665,-557647,-363380,-164414,-126782,-257590,-363291,-459976,-730681,null,-1845936,-5920508,-1212223,-1811538,null,-257590,-363291,-459976,-730681,-726998,-804251,-917642,-1173454,-814699,-1093371,-868081,-743296,-581893,-575159,null,-1811538,-3622345,-3519447]
[null,"Net interest, similar income and expenses, after provision for credit losses on loan portfolio ",1813957,1804109,1773628,1853391,1038046,-579107,856000,1335895,1565736,1945662,2286685,2350452,2276500,2377149,2541450,2512337,null,7245815,2650834,8147381,9706557,null,2174117,2273815,2422424.7729700003,2409723,2405091,2399905,2336401,2174230,2611424,2375093,2722669,2886498,2990119,3040212,null,9280080,9315627,10595684]
[null,"Other income",1176337,1195115,1299256,1265545,958255,1015663,1102766,1329533,1194530,1191694,1238683,1304163,1242749,1203980,1310585,1350661,null,4897769,4406217,4929717,5108349,null,1239398,1197592,1301252.3034417732,1327862,1333275,1433786,1407362,1486823,1392559,1591330,1545345,1582732,1690216,1677373,null,5066096,5655825,6111966]
[null,"Insurance underwriting result",109111,118225,125151,142443,141926,135680,-4340,84867,-65247,-136335,70204,127657,141546,137042,198842,184168,null,496977,358133,-3721,661598,null,206667,194197,303760,136824,296341,296564,352551,287295,279062,315500,291775,312683,329134,350873,null,841448,1211100,1199020]
[null,"Medical services result","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-",null,"-","-","-","-",null,"-","-","-","-","-","-","-","-","-","-","-","-",42689,123319]
[null,"Total expenses",-1553976,-1582452,-1679234,-1885172,-1779306,-1628398,-1802009,-1981310,-1680271,-1860447,-1977185,-2223165,-1950182,-2054810,-2141519,-2474609,null,-6665048,-7191023,-7740561,-8620615,null,-1874519,-1981125,-2097590,-2363787,-2126908,-2195966,-2377167,-2661542,-2212482,-2395205,-2448229,-3026227,-2532874,-2630310,null,-8317013,-9334223,-10082143]
[null,"Profit before income tax ",1545429,1534997,1518801,1376207,358921,-1056162,152417,768985,1014748,1140574,1618387,1559107,1710613,1663361,1909358,1572557,null,5975513,224161,5332816,6855889,null,1745663,1684479,1929847.0764117735,1510622,1907799,1934289,1719147,1286806,2070563,1886718,2111560,1755686,2519284,2561467,null,6870611,6848329,7824527]
[null,"Income tax",-422165,-414466,-403221,-383250,-145746,414726,-55829,-103174,-337599,-423491,-428037,-471860,-546001,-513181,-575083,-476236,null,-1623182,109977,-1660987,-2110501,null,-546000,-513182,-575083,-476236,-493466,-504472,-455577,-434648.23401114997,-528466,-519344,-555117,-598348,-704469,-696969,null,-2110501,-1888451,-2201275]
[null,"Net profit",1123264,1120531,1115580,992957,213175,-641436,96588,665811,677149,717083,1190350,1087247,1164612,1150180,1334275,1096321,null,4352331,334138,3671829,4745388,null,1199663,1171297,1354764.0764117735,1034386,1414333,1429817,1263570,852157.76598885003,1542097,1367374,1556443,1157338,1814815,1864498,null,4760110,4959878,5623252]
[null,"Non-controlling interest",22397,21958,22545,20127,3901,-21046,-8018,12407,16351,17614,26651,26631,27786,28420,31855,24231,null,87027,-12756,87247,112292,null,27786,28420,31855,24231,30060,28550,25397,10331,30440,28278,32655,30625,37118,42483,null,112292,94338,121998]
[null,"Net profit attributable to Credicorp",1100867,1098573,1093035,972830,209274,-620390,104606,653404,660798,699469,1163699,1060616,1136826,1121760,1302420,1072090,null,4265304,346894,3584582,4633096,null,1171877,1142877,1322909.0764117735,1010155,1384273,1401267,1238173,841826.76598885003,1511657,1339096,1523788,1126713,1777697,1822015,null,4647818,4865540,5501254]
[null,"Dividends distribution, net of treasury shares effect (S/000)","-",1595229,"-",638100,"-",2392844,"-","-","-","-","-",398808,"-",1196422,"-","-",null,2233329,2392844,398808,1196422,null,"-",1196422,"-","-","-",1994037,"-","-","-",2791652,875991.90800000005,0,0,3181440,null,1196422,1994037,3667643.9079999998]
[null,"Net income / share (S/)",13.801989511928767,13.77322875886744,13.747138724688718,12.235316312413532,2.62,-7.78,1.3114853246439584,8.1919751932361535,8.2846765917258907,8.7695096700321677,14.589738263606771,13.297347370921139,14.252821211724878,14.063933022700486,16.328936356640963,13.441201285753603,null,53.644874858508366,4.3491424029887513,44.941271896285969,58.086891876819926,null,14.692268969158444,14.328684906918468,16.633507923554252,12.664698565242126,17.355158641004017,17.568218901476644,15.567607771415661,10.554303285536783,18.95222044046529,16.788757358941421,19.104311414914712,14.12603067305478,22.287665403166081,22.843297074557501,null,58.271467206623264,61.001128038219385,68.971319887376197]
[null,"Dividends per share (S/)","-",20,"-",8,"-",30,"-","-","-","-","-",5,"-",15,"-","-",null,"-",30,5,15,null,"-",15,"-","-","-",25,"-","-","-",35,11,0,0,39.886926861129147,null,15,25,45.982650721390897]
[null,"Loans",108350384,109381123,112209990,115609679,120708515,132741720,136148711,137659885,137031239,143091752,146551226,147597412,144621513,150370184,151392202,148626374,null,115609679,137659885,147597412,148626374,null,144621513,150370184,151392202,148626374,145165713,142845549,145129260,144976051,140798083,146946546,142568785,145732273,141196646,140961978,null,148626374,144976051,145732273]
[null,"Deposits and obligations",103727257,103157044,107391720,112005385,119563545,129664332,137202674,142365502,148626339,149161803,152548368,149596545.19144967,147915964,147440575,152792014,147020787,null,112005385,142365502,149596545.19144967,147020787,null,147915964,147440576,152792014,147020787,148623300,143387717,148466054,147704994,147857127,151971984,154435451,161842066,157619082,154723334,null,147020787,147704994,161842066]
[null,"Net equity",23692091,25221894,26000638,26237960,23205639,23396062,23594717,24945870,24529958,25073706,25192569,26496767,26872626,26175222,27109054,28988140,null,26237960,24945870,26496767,28988140,null,26818054,26167811,27292658,29003644,30359898,30027036,31267592,32460004,33853460,32413767,33462591,34346451,35843202,34459012,null,29003644,32460004,34346451]
[null,"Profitability"]
[null,"Net interest margin (1)",5.3921955728636894E-2,5.4713771313282894E-2,5.4020393244967324E-2,5.4872990013982395E-2,5.3499999999999999E-2,4.0300000000000002E-2,4.0507668455459236E-2,3.7254821957418187E-2,3.7283000972701423E-2,4.0115766802506989E-2,4.227635187248463E-2,4.2523503012933457E-2,4.4419672582328533E-2,4.9039409689832697E-2,5.3100000000000001E-2,5.7304045553706842E-2,null,5.3986130457363758E-2,4.3019510346234892E-2,4.10214806260049E-2,5.0681914184667665E-2,null,4.4587594766474822E-2,4.9229142675951028E-2,5.3252340688905948E-2,5.7501896055127122E-2,5.8443407206486907E-2,6.0173564450251009E-2,6.1082132191491924E-2,6.2040740011871001E-2,6.2994509953322259E-2,6.3270494082244777E-2,6.4315825069933288E-2,6.3353187919537257E-2,6.2199462133338906E-2,6.4243575784232509E-2,null,5.0878463674249343E-2,6.0058206269257466E-2,6.2852941772174875E-2]
[null,"Risk-adjusted Net interest margin ",4.4517355544797209E-2,4.3824132382275942E-2,4.2094454908455467E-2,4.3001672622145347E-2,2.3300000000000001E-2,-1.1900000000000001E-2,1.6038893567419985E-2,2.405950534613701E-2,2.7491666275464028E-2,3.3802643290377285E-2,3.944055286283113E-2,4.0347198812770803E-2,3.9904417220252994E-2,4.2538418540371659E-2,4.4965951820029611E-2,4.439293087311362E-2,null,4.3025101969898116E-2,1.3304518789374083E-2,3.5708522694355489E-2,4.2710785846321396E-2,null,4.0054152016763954E-2,4.2704489686242311E-2,4.5088471826240983E-2,4.4546823072139058E-2,4.5361404018428149E-2,4.5593885412580415E-2,4.4452137559090804E-2,4.1049519381044265E-2,4.8530099782981208E-2,4.4017714937149788E-2,4.9304687105620179E-2,5.0835471742410925E-2,5.2437594694655643E-2,5.4401786172589235E-2,null,4.2876422509671143E-2,4.3828813036988525E-2,4.7725036555965383E-2]
[null,"Funding cost (2) ",2.3832807863831816E-2,2.4635513773418202E-2,2.4570108101734232E-2,2.2944319169024473E-2,2.1299999999999999E-2,1.8599999999999998E-2,1.7418283739758532E-2,1.3406565651278155E-2,1.4255472969264077E-2,1.182164063123887E-2,1.2064449278453486E-2,1.2436820560385463E-2,1.3272963837700264E-2,1.5868915267252707E-2,8.69826850125998E-3,9.6720927822319513E-3,null,2.3641498680843146E-2,1.7849339812597821E-2,1.2869287859530048E-2,2.4458210653361744E-2,null,1.3228749357110431E-2,1.5796807391188914E-2,2.058918040333324E-2,2.3478858157903789E-2,2.6100000000000002E-2,2.9092022636944138E-2,3.1525015780470123E-2,3.0303626930011415E-2,2.9764419246515274E-2,2.8569521527335467E-2,2.6756289462401682E-2,2.561960463545012E-2,2.4228006542671578E-2,2.443728790019014E-2,null,1.8261276601944893E-2,2.9101777782064672E-2,2.7350248574375898E-2]
[null,"ROE",0.185,0.18,0.17071159231253932,0.14899999999999999,3.4000000000000002E-2,-0.107,1.7808783410435396E-2,0.10768786573132565,0.1068478147924642,0.1128,0.18520552427635578,0.16415238283763664,0.17040868030092304,0.169169539167734,0.19554286521599731,0.15289035669056816,null,0.17030000000000001,1.3554828294593363E-2,0.13936229861937868,0.16700382741916053,null,0.17040868030092304,0.17255575940028081,0.1979644472996383,0.14360000000000001,0.18656715550413916,0.18563843628822088,0.16160280536162475,0.1057,0.18236501440544542,0.16166012197854604,0.1850482383983644,0.13292776106360213,0.20261642275440292,0.20733515468901603,null,0.1681,0.15833775846116033,0.16469229155614218]
[null,"ROA",2.482201629579044E-2,2.4547453919875301E-2,2.3795945481424729E-2,2.0838624455729531E-2,4.0000000000000001E-3,-1.2E-2,1.846614760452825E-3,1.114351419637327E-2,1.0976501780869301E-2,1.1437846738509108E-2,1.8747770420352756E-2,1.7093299329311865E-2,1.8840245389495358E-2,1.8912105796116352E-2,2.1684562847293389E-2,1.7842465561492223E-2,null,2.3363684905994341E-2,1.5846673854829261E-3,1.4865984124516509E-2,1.923955468824368E-2,null,1.9421312417588519E-2,1.927223346766448E-2,2.208107535404065E-2,2.1498427527759302E-2,2.343413035159992E-2,2.3701903311210019E-2,2.0996505013390534E-2,1.4109847916772044E-2,2.5193657218464668E-2,2.1891143592911513E-2,2.4487031134989842E-2,1.7815148557385894E-2,2.7876614831977731E-2,2.895018013334634E-2,null,1.9659975696475988E-2,2.0118550733295815E-2,2.2225597408675597E-2]
[null,"Loan portfolio quality"]
[null,"Internal overdue ratio (3)",2.9101761189881892E-2,3.0035155151954328E-2,2.9822558579677264E-2,2.8500000000000001E-2,2.9700000000000001E-2,2.8899999999999999E-2,3.0428815444312213E-2,3.3965820907085602E-2,3.5528271038985496E-2,3.5322462191950801E-2,3.7349977543006022E-2,3.7610808514718402E-2,4.060944238634815E-2,4.0601506479502614E-2,4.1284365491955785E-2,3.9964266369036223E-2,null,2.8500000000000001E-2,3.3965820907085602E-2,3.7610808514718402E-2,3.9964266369036223E-2,null,4.060944238634815E-2,4.0601506479502614E-2,4.1284365491955785E-2,3.9964266369036223E-2,3.9881986457780148E-2,4.1859162164023744E-2,4.414233904313989E-2,4.2258614148622385E-2,4.4070372747901689E-2,4.240154783903529E-2,4.2269708618194367E-2,3.7213527850485116E-2,3.6873361708606021E-2,3.5784202744374091E-2,null,3.9964266369036223E-2,4.2258614148622385E-2,3.7213527850485116E-2]
[null,"Internal overdue ratio over 90 days",2.0893118466203814E-2,2.2200000000000001E-2,2.2633907355977183E-2,2.1457299453275014E-2,2.1299999999999999E-2,2.35E-2,2.52878495265372E-2,2.6949496474580507E-2,2.7652716472920457E-2,2.6678430386986092E-2,2.7647104091780166E-2,2.8480657644000637E-2,3.0592850359862082E-2,3.0566292317631267E-2,3.0831228413396413E-2,3.1087760872842287E-2,null,2.1457299453275014E-2,2.6949496474580507E-2,2.8480657644000637E-2,3.1087760872842287E-2,null,3.0592850359862082E-2,3.0566292317631267E-2,3.0831228413396413E-2,3.1087760872842287E-2,2.9415561786273869E-2,3.1938979071724521E-2,3.3590469626869179E-2,3.2290457408030791E-2,3.3400547079891707E-2,3.2398427384608276E-2,3.4029826374686434E-2,3.4029826374686434E-2,2.9978353735116342E-2,2.9592228054575113E-2,null,3.1E-2,3.2000000000000001E-2,3.0099999999999998E-2]
[null,"NPL ratio (4)",4.0901064088522288E-2,4.1121793931481208E-2,4.0745748217248752E-2,3.8800000000000001E-2,3.9E-2,3.78E-2,4.1736186543844693E-2,4.6058130878142166E-2,4.9772139913293788E-2,4.7902334720173106E-2,4.9625309855817923E-2,4.980303448681065E-2,5.2461579488523258E-2,5.1815072594444657E-2,5.3233342890408583E-2,5.4085232544258934E-2,null,3.8800000000000001E-2,4.6058130878142166E-2,4.980303448681065E-2,5.4085232544258934E-2,null,5.2461579488523258E-2,5.1815072594444657E-2,5.3233342890408583E-2,5.4085232544258934E-2,5.4493343066485678E-2,5.6449214248880795E-2,5.9667106412586962E-2,5.8854858724217834E-2,6.2236451045998974E-2,5.9789741502328339E-2,5.8639449021046224E-2,5.2580371130284916E-2,5.1047083653814267E-2,4.9601467709257031E-2,null,5.4085232544258934E-2,5.8854858724217834E-2,5.2580371130284916E-2]
[null,"Cost of risk (5)",1.4147102607407465E-2,1.6393834245055246E-2,1.7922539695440665E-2,1.77E-2,4.4499999999999998E-2,7.6600000000000001E-2,3.8367017664970769E-2,2.1289135901864223E-2,1.6277952503954227E-2,1.0157957951342996E-2,4.4875503122710101E-3,3.4358868026764587E-3,7.1245278702069727E-3,9.663908960270421E-3,1.21532210788223E-2,1.9664908194557715E-2,null,1.5966967610038948E-2,4.3008230030120977E-2,8.2130369602957543E-3,1.2188536605219206E-2,null,7.051973105437986E-3,9.7538391389377782E-3,1.2194389263610873E-2,1.9483620240901351E-2,1.9796258161303031E-2,2.2339431990683754E-2,2.5492285333888354E-2,3.2359393792690684E-2,2.2806794683524437E-2,3.0398371050046603E-2,2.3987151132939484E-2,2.0625550392534459E-2,1.6224032126925483E-2,1.630739452429425E-2,null,1.2188536605219206E-2,2.4985816450470155E-2,2.4212908330756983E-2]
[null,"Coverage ratio of IOLs",1.5421860485914727,1.4848510583119425,1.4875165439523019,1.554,1.657,2.1890000000000001,2.3308584634130565,2.1170507884221741,2.0015060132694313,1.8580322743583599,1.6583798665798268,1.5270967409549332,1.4068422283061857,1.3605490089195278,1.2847897108076616,1.3253773226590237,null,1.554,2.1170507884221741,1.5270967409549332,1.3253773226590237,null,1.4068422283061857,1.3605490328209651,1.2847897108076616,1.3253773226590237,1.3671913121295338,1.330600169415133,1.2575370199388263,1.3511684591838684,1.3199534764087939,1.3401290019766814,1.3689937227249505,1.4742143585756928,1.4871695290119171,1.5182936403148797,null,1.3253773226590237,1.3511684591838684,1.4742143585756928]
[null,"Coverage ratio of NPLs ",1.0972900362528957,1.0845278780457221,1.0887405732183164,1.1439999999999999,1.2609999999999999,1.675,1.699370926845476,1.5612307004163961,1.4287118908183143,1.3700850938860114,1.2481624992265543,1.1532498712044772,1.0890079744850221,1.0661056066386685,0.99640047235967533,0.97933816442188415,null,1.1439999999999999,1.5612307004163961,1.1532498712044772,0.97933816442188415,null,1.0890079744850221,1.0661056066386685,0.99640047235967533,0.97933816442188415,1.0006048872615294,0.98668881415173693,0.93033882202354123,0.97015790716603312,0.93467478844881635,0.95038957893423737,0.98682656003387492,1.0433687688226159,1.0742423668541197,1.0953491894430729,null,0.97933816442188415,0.97015790716603312,1.0433687688226159]
[null,"Operating efficiency"]
[null,"Operating income (6)",3768564,3832407,3896978,4073888,3968580,3213316,3684610,3793722,3871563,4147704,4307356,4414186,4376339,4649583,5024516,5219379,null,6785063,6782810,7685957,8564147,null,3799381,4044394,4456209,4530125,4602331,4715570,4844683,4893605,4933778,5143084,5211162,5396202,5340199,5529301,null,16830109,19056189,20684226]
[null,"Operating expenses (7)",1597816,1653563,1680417,1852620,1722183,1611543,1657965,1814552.2969208192,1704315.3022759804,1812099.6977240196,1986910.6213796013,2182631.7946203984,1945556,2071401,2146516,2400674,null,15571825,14660228,16739655,19269608,null,1795168,1928480,2026217,2243805,2038309,2103072,2243691,2395688,2112810,2270785,2313324,2612878,2442089,2441547,null,7993669,8780760,9309797]
[null,"Efficiency ratio (8) ",0.42398536949352594,0.43146852617689091,0.43121028653484827,0.45500000000000002,0.434,0.502,0.44997001039458723,0.47212737253810372,0.44036323314382331,0.43703070421611573,0.46128367378967516,0.49445809487864806,0.44470526620538309,0.44550253216256169,0.42817099199206449,0.45995395237632675,null,0.43570622024735295,0.46266742918322962,0.45914667894887917,0.44444400044630461,null,0.47248959764761683,0.47682792527137563,0.45469523534466177,0.49530752462680389,0.44288622439368225,0.445984684778298,0.45658021878210359,0.48955483738470923,0.42823369839502307,0.44152205174949505,0.44391711483926233,0.4842068551177291,0.45730299563742849,0.44156521773728724,null,0.47496246162160921,0.46078258354805363,0.4500916302113504]
[null,"Operating expenses / Total average assets",3.6027072107415972E-2,3.6948624757854744E-2,3.6720774986475892E-2,4.02E-2,3.5700000000000003E-2,3.0700000000000002E-2,2.9268118412896081E-2,3.0546753842045797E-2,2.8319958636668672E-2,2.9641181237310386E-2,3.2010157926761436E-2,3.5643870516593242E-2,3.2253421026941211E-2,3.4924924494424386E-2,3.5818804725549609E-2,3.9953682218255723E-2,null,4.955459962504296E-2,3.1897876607082778E-2,3.1875212993793013E-2,3.556377302880364E-2,null,2.9751005071400452E-2,3.2519770303793084E-2,3.3820200540155582E-2,3.8034067696887615E-2,3.4506198418114982E-2,3.5572670447896852E-2,3.8052611649133906E-2,4.015409666421025E-2,3.5212608153301524E-2,3.7131748774957396E-2,3.7174765247241032E-2,4.1322661816310183E-2,3.82833721919437E-2,3.884060025476891E-2,null,4.4385152875215932E-2,4.9373000472984596E-2,3.7620727790343346E-2]
[null,"Capital adequacy - BCP Stand-alone "]
[null,"Global Capital ratio (9)",0.15490000000000001,0.14949999999999999,0.1545005775154577,0.1447,0.13519999999999999,0.14799999999999999,0.1538686463376458,0.14932313231704408,0.16455703056947604,0.15339563408516005,0.15161071055457467,0.14944686773798918,0.15791935365406054,0.15233472139499904,0.14928271280693126,0.14427892467742351,null,0.1447,0.14932313231704408,0.15161071055457467,0.14928271280693126,null,0.15791935365406054,"n.a","n.a","n.a",0.16454381346365965,0.17201854558694107,0.1751223386844436,0.17457663768340836,0.16121449407886521,0.16239999999999999,0.18959999999999999,0.18709999999999999,0.16865446512220833,0.17334581242346941,null,"n.a",0.17457663768340836,0.18709999999999999]
[null,"Tier 1 ratio (10)",0.1173,0.1133,0.11786290898511437,0.11070000000000001,0.1033,0.10539999999999999,0.10700666026377194,0.10408039804873839,0.10593750241983886,0.10305819933772273,0.10000963512131503,9.937893726601181E-2,0.10738977955007797,0.10253824655652627,9.9418341515191813E-2,0.10015591880503193,null,0.11070000000000001,0.10408039804873839,9.937893726601181E-2,0.10015591880503193,null,0.10738977955007797,"n.a","n.a","n.a",0.11862985745261355,0.12752803428731313,0.13008835553958464,0.13090301664432163,0.11715822557531892,0.11899999999999999,0.13250000000000001,0.1308,0.11336064992633417,0.12241740904243538,null,"n.a",0.13090301664432163,0.1308]
[null,"Common equity tier 1 ratio (11) (12)",0.1139,0.1182,0.11946740395715255,0.1235,0.11890000000000001,"11,22%",0.11446782529403347,0.11396031879738219,0.11013421846595926,0.11206608021839114,0.11204773808841613,0.11912335924583917,0.11628521121918055,0.11568450086186452,0.11831344828873663,0.12588171400141879,null,0.1235,0.11396031879738219,0.11912335924583917,0.12588171400141879,null,0.11628521121918055,0.11563827110159278,0.11831344828873673,0.12588171400141879,0.11926381531193125,0.12793827110159278,0.13043822513146341,0.13201951536505252,0.1185622140741512,0.1205,0.13420000000000001,0.13320000000000001,0.11336064992633417,0.12241740904243538,null,0.12588171400141879,0.13201951536505252,0.13320000000000001]
[null,"Capital adequacy - Mibanco "]
[null,"Global Capital ratio (9)","-",0.14859403639453497,0.15335976254228761,0.14454145249574241,0.15936898546519021,0.15939999999999999,0.17687244843796252,0.19824985463490688,0.17830296774457305,0.17253625730829367,0.16736440716154047,0.16398917942624749,0.15610842784834159,0.14826538485451277,0.1461429288457182,0.14686138279558586,null,0.14454145249574241,0.17687244843796252,0.16398917942624749,0.14686138279558586,null,0.15609999999999999,"n.a","n.a","n.a",0.18761830641906233,0.18778187032867388,0.18778187032867388,0.2056,0.18033367156088634,0.1895,0.20219999999999999,0.19420000000000001,0.18528881601495673,0.19607709819166708,null,"n.a",0.2056,0.19420000000000001]
[null,"Tier 1 ratio (10)","-",0.11408281775028356,0.12714454780061712,0.1210728725704929,0.13825745030617856,0.13830000000000001,0.15471522037779947,0.17672569334964791,0.1448046710253742,0.14685109555237696,0.14250028977035961,0.13960517141091736,0.13240230497682046,0.12552051628375857,0.12358651469257893,0.12384010709316405,null,0.1210728725704929,0.15471522037779947,0.13960517141091736,0.12384010709316405,null,0.13239999999999999,"n.a","n.a","n.a",0.16399416560082572,0.16489222681324395,0.16489222681324395,0.18220640192959189,0.1568832572432336,0.16619999999999999,0.17849999999999999,0.17069999999999999,0.154764240275618,0.16478411689778877,null,"n.a",0.18220640192959189,0.17069999999999999]
[null,"Common equity tier 1 ratio (11)(12)","-",0.16036617863742147,0.15875221993684824,0.15700542346940422,0.15300706490861868,0.1454,0.16216931716025157,0.17696896644974613,0.14726254573114581,0.15158179446068071,0.15098699610325544,0.15235047221273912,0.15212280254991459,0.15247837947410203,0.15997619966926152,0.16458984449448522,null,0.15700542346940422,0.16216931716025157,0.15235047221273912,0.16458984449448522,null,0.14910000000000001,0.15015315034295287,0.15015315034295287,0.16458984449413397,0.16382801942852282,0.16589999999999999,0.16589999999999999,0.18371199623618084,0.16064494580469613,0.1673,0.1794,0.17530000000000001,0.154764240275618,0.16478411689778877,null,0.16458984449413397,0.1836799746635846,0.17530000000000001]
[null,"Employees (13)",34266,34963,35174,35846,34963,38219,37572,36806,36233,35776,35733,36358,36198,34398,35692,36968,null,35846,36806,36358,36968,null,36202,36087,35679,36968,37184,37380,37161,36947,35508,33461,38641,38758,46621,46423,null,36968,37074,38758]
[null,"Share Information"]
[null,"Issued Shares",94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,null,94382,94382,94382,94382,null,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,94382,null,94382,94382,94382]
[null,"Treasury Shares (14)",14621,14872,14872,14872,14872,14977,14977,14915,14872,14866,14866.23,14850.369000000001,14862,14849,14849,14849.223,null,14872,14915,14850.369000000001,14849.223,null,14862.26,14849.223,14849.223,14849.223,14886.647000000001,14828.880999999999,14846.787,14886.096,14908.3,14949,14948,14948,15016,15016,null,14849.223,14846.787,14948]
[null,"Outstanding Shares",79761,79510,79510,79510,79510,79405,79405,79467,79510,79516,79515.77,79531.630999999994,79520,79533,79533,79532.777000000002,null,79510,79467,79531.630999999994,79532.777000000002,null,79519.740000000005,79532.777000000002,79532.777000000002,79532.777000000002,79495.353000000003,79553.119000000006,79535.213000000003,79495.903999999995,79473.7,79433,79434,79434,79366,79366,null,79532.777000000002,79535.213000000003,79434]
[]
[]
[null,"(1) Net Interest Margin = Net Interest Income (Excluding Net Insurance Financial Expenses) / Average Interest Earning Assets"]
[null,"(2)  Funding Cost = Interest Expense (Does not include Net Insurance Financial Expenses) / Average Funding"]
[null,"(3)  Internal Overdue Loans: includes overdue loans and loans under legal collection, according to our internal policy for overdue loans. Internal Overdue Ratio: Internal overdue loans / Total loans"]
[null,"(4) Non-performing loans (NPL): Internal overdue loans + Refinanced loans. NPL ratio: NPL / Total loans."]
[null,"(5) Cost of risk = Annualized provision for loan losses, net of recoveries / Average Total loans."]
[null,"(6) Operating Income = Net interest, similar income and expenses + Fee Income+ Net gain on foreign exchange transactions + Net Gain From associates + Net gain on derivatives held for trading + Result on exchange differences + Insurance Underwriting Result + Medical services result."]
[null,"(7) Operating Expenses = Salaries and employee benefits + Administrative expenses + Depreciation and amortization + Association in participation + Acquisition cost\n"]
[null,"(8) Efficiency Ratio = Operating Expenses / Operating Income"]
[null,"(9) Regulatory Capital / Risk-weighted assets (legal minimum = 10% since July 2011)."]
[null,"(10)  Tier 1 = Capital + Legal and other capital reserves + Accumulated earnings with capitalization agreement + (0.5 x Unrealized profit and net income in subsidiaries) - Goodwill - (0.5 x Investment in subsidiaries) + Perpetual subordinated debt (the maximum amount that can be included is 17.65% of Capital + Reserves + Accumulated earnings with capitalization agreement + Unrealized profit and net income in subsidiaries - Goodwill)."]
[null,"(11) Common Equity Tier I = Capital + Reserves – 100% of applicable deductions (investment in subsidiaries, goodwill, intangibles and net deferred taxes that rely on future profitability) + retained earnings + unrealized gains."]
[null,"(12) Common Equity Tier I calculated based on IFRS Accounting"]
[null,"(13) Internal management figures. Since 1Q25, includes corporate health and medical services employees."]
[null,"(14) Consider shares held by Atlantic Security Holding Corporation (ASHC) and stock awards"]

{"sheet":"0.1.Contribution BAP","index":2,"n_rows":26,"n_cols":42,"rows_kept":26,"cut":false,"hidden":false,"merged":[[3,19,4,22],[3,2,3,17],[3,39,4,41]]}
[null,"Back to index"]
[]
[null,"(IFRS, under previous regulation)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(under IFRS17)"]
[null,"Earnings contribution *","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"S/000"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"2019","2020","2021","2022",null,"1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,"2022","2023","2024"]
[null,"Universal Banking"]
[null," BCP Stand-alone",815966,790383,831423,725464,142204,-528404,421769.7821907,570181,724546.83868289995,727577.16131710005,960660.75239519984,899413.81325640017,1034578.588602,1009693.3432871999,1123104.4206252003,993377.82543479977,null,3163236,605751,3312198,4160754.1779491999,null,1034579,1009693.3432871999,1123104.4206252003,993377.8254348,1212853,1163318.0231243998,1022936.9344271999,881642.96645879978,1263971.2705620001,1183086.6485412,1310903.4299244001,1131115.0828379998,1453721.1439139999,1614655.6996283999,null,4160754,4280751,4889076.4318655999]
[null," BCP Bolivia",12640,26806,25575,13487,6829,-39583,-20753,-20750,11453,15162,23121,22531,20474,16859,13921,16759,null,78508,-74257,72267,68013,null,20474,16859,13921,16759,20738,21602,21059,19652,20356,33038,16615,23502,24227,14230,null,68013,83051,93511]
[null,"Microfinance"]
[null," Mibanco (1)",99611,96906,95137,100034,33326,-271439,-154812.36628896522,22461,13738.277971368956,54057.729318238329,75223.476840118732,117195.20932291207,100644.30924629915,125133.47003398079,143769.67430229892,45909.071274121874,null,391688,-370465,260215,415456.52485670074,null,100644,125133.47003398079,143769.67430229892,45909.071274121903,22627,64882.746386349208,59035.985052359625,52693.627622015396,90510.930236241911,34919.366908699711,62404.354470295497,114385.20952100767,92285.895357615911,100259.76507994584,null,415457,199240,302219.86113624478]
[null," Mibanco Colombia",1825,1263,852,-307,-2365,-14096,-68382.690757300006,-12537,1358.1688830000001,5202.4629110000005,13161.486611,17113.612572999999,4312.4215510000004,9034.7756130000016,5227.2813720000013,-7077.4785359999996,null,3633,-97380,36836,11497,null,4312,9034.7756130000016,5227.2813720000013,-7077.4785359999996,-3674,-8551.8935247999998,-12272.738769199999,-104052,-15900,-8152,3359,13651,4871,12249,null,11497,-128551,-7042]
[null,"Insurance and Pensions"]
[null," Grupo Pacifico (2)",77157,97133,88949,113760,98661,99686,-14545,8528,-95573,-158052,63058,61617,71483,99928,157597,117580,null,376999,192330,-128950,446588,null,106134,120803,177852,56353,218904,204340,243531,134469,214294,191918,187149,167661,179835,220239,null,461142,801244,761022]
[null," Prima AFP",57000,50367,42394,46829,-4079,51232,38037,62951,34596,44301,31697,35463,24434,14093,30730,40254,null,196590,148141,146057,109511,null,24434,14093,30730,40254,39758,37413,31998,40380,37013,36904,34687,24322,24472,41158,null,109511,149549,132926]
[null,"Investment Management & Advisory"]
[null," Credicorp Capital",15419,10823,13010,4631,359,15616,26782,13140,11377,19071,11222,14581,11620,5187,18755,18786,null,43883,55897,56251,54348,null,11620,5187,18755,18786,11433,8463,-952,21578,16796,39246,22564,32369,32285,20995,null,54348,40522,110975]
[null," Atlantic Security Bank",49748,50592,43376,42824,-512,127105,-60949,70233,25324,45372,42889,-5946,23154,-674,9475,20235,null,186540,135877,107639,52190,null,23154,-674,9475,20235,32849,45137,26871,27972,29444,27636,29944,-2742,29758,29544,null,52190,132829,84282]
[null,"Others (3)",-28499,-25700,-47682,-73892,-65150,-60507,-62540.725144434778,-60803,-66022.285537268908,-53222.217031507273,-57333.715846318592,-101352.635152312,-153874.31939929919,-157494.58893418065,-200159.37629949918,-173733.41817292169,null,-175773,-248999,-277931,-685261.70280590071,null,-153474,-157252.58893418065,-199925.37629949918,-174441,-171215,-135336.87598594901,-154034.18071035953,-232508.594080815,-144828.200798242,-199500.01544989971,-143837.78439469554,-377550.29235900752,-63758.039271615795,-231315.46470834577,null,-685094,-693094.65845343785,-865716.29300184478]
[null,"Net profit attributable to Credicorp",1100867,1098573,1093034,972830,209273,-620390,104606,653404,660798,699469.1365148311,1163699,1060616.0000000002,1136826,1121760,1302420,1072089.9999999998,null,4265304,346895,3584582,4633095.9999999991,null,1171877,1142877,1322909,1010155.418172922,1384273,1401267,1238173,841827.00000000012,1511657,1339096,1523788,1126713,1777697,1822015,null,4647818,4865540.3415465625,5501254]
[]
[]
[null,"*Contributions to Credicorp reflect the eliminations for consolidation purposes (e.g. eliminations for transactions among Credicorp’s subsidiaries or between Credicorp and its subsidiaries)."]
[null,"(1) The figure is lower than the net income of Mibanco as Credicorp owns 99.924% of Mibanco (directly and indirectly). "]
[null,"(2) The contribution of Grupo Pacífico presented here is greater than the profit of Pacífico Seguros since it is including 100% of Crediseguros (including 48% under Grupo Crédito)."]
[null,"(3) Includes Grupo Credito excluding Prima, Servicorp and Emisiones BCP Latam, others of Atlantic Security Holding Corporation and others of Credicorp Ltd."]

{"sheet":"0.2.ROAE","index":3,"n_rows":22,"n_cols":42,"rows_kept":22,"cut":false,"hidden":false,"merged":[[3,2,4,17],[21,1,22,17],[23,1,25,17],[3,19,4,22],[3,39,4,41]]}
[null,"Back to index"]
[]
[null,"(IFRS, under previous regulation)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(IFRS, under current regulation as of June 2023)"]
[null,"ROAE","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"2019","2020","2021","2022",null,"1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,"2022","2023","2024"]
[null,"Universal Banking"]
[null," BCP Stand-alone",0.22500000000000001,0.2152,0.217,0.14699999999999999,3.4891409206243902E-2,-0.13637278313912291,0.11261027959099934,0.1474,0.18431334254984136,0.18140665249486829,0.23098358943773001,0.20705696840972299,0.23495661507673701,0.22837936748909426,0.24266510970374608,0.20413726226945611,null,0.20349999999999999,3.7699999999999997E-2,0.19686233902572037,0.21989799919024999,null,0.23499999999999999,0.22837936748909426,0.24266510970374608,0.2041,0.25159999999999999,0.24182637035122664,0.20024573344622382,0.16600000000000001,0.24721988387949873,0.23743784607450136,0.24548420027188922,0.20085136448428306,0.27105741079536477,0.30866174745548736,null,0.21990000000000001,0.20612144343913108,0.21985740759387873]
[null," BCP Bolivia",7.3999999999999996E-2,0.158,0.14399999999999999,-0.121,3.776754488145103E-2,-0.22496108732423584,-0.12021490738997581,-0.1208,6.4918253476220003E-2,8.17680824314167E-2,0.11525656499694362,0.10752530377353876,0.10085881969712551,8.3767474330404282E-2,6.5806212969676134E-2,7.7430503016435323E-2,null,0.11,-0.104,9.4738249648993786E-2,8.0279650283698906E-2,null,0.1009,8.3767474330404282E-2,6.5806212969676134E-2,7.7399999999999997E-2,9.6999999999999989E-2,0.10134219057135753,9.6554467202991226E-2,8.8400000000000006E-2,9.1088743396194757E-2,0.1404412647705523,6.8108428289900463E-2,9.5197396268984699E-2,0.11297384037962604,9.015401575002692E-2,null,8.0299999999999996E-2,9.5002233469324252E-2,9.8706776663396181E-2]
[null,"Microfinance"]
[null," Mibanco (1)",0.21299999999999999,0.2,0.187,4.8000000000000001E-2,6.4832542153723138E-2,-0.55964991413133647,-0.3583237822160284,4.8399999999999999E-2,2.6587027117517124E-2,0.10307187970233093,0.13939838553518338,0.20820829756054876,0.17060382925501841,0.20269187636982311,0.22118156244547271,6.813848281486605E-2,null,0.2011,-0.18060000000000001,0.11902230258726584,0.16519617607575215,null,0.1706,0.20269187636982311,0.22118156244547271,6.8099999999999994E-2,3.32E-2,9.5090972007078847E-2,8.3150393455643554E-2,7.2700000000000001E-2,0.13157719483427732,5.3863270367119381E-2,9.4275742045956665E-2,0.17294105820659197,0.14658560321167258,0.16349228906979937,null,0.16520000000000001,7.0532555285497803E-2,0.10912619931788066]
[null," Mibanco Colombia",null,null,null,-0.188,-3.1674229591293485E-2,-0.20138257793271594,-1.0745924915459004,-0.188,1.7743454239877745E-2,6.8830539726094209E-2,0.16430232702384451,0.20939655110477157,5.3754655961719404E-2,0.11389043741294222,6.877814369233394E-2,-9.4090243254612474E-2,null,-7.4499999999999997E-2,-0.30470000000000003,0.11664255881207691,3.6880386518870212E-2,null,5.3800000000000001E-2,0.11389043741294222,6.877814369233394E-2,-0.113602528608081,-4.7800000000000002E-2,-0.10775587133974054,-0.15049333844231264,-0.43848999688934198,-0.20400052780770578,-8.7218169208914814E-2,3.2000000000000001E-2,0.12905802723106657,4.5206281442095285E-2,0.11060147298794078,null,4.5482774833288685E-2,-0.43543995321822654,-1.9884044269217957E-2]
[null,"Insurance and Pensions"]
[null," Grupo Pacifico (2)",0.11799999999999999,0.13600000000000001,0.11,1.2E-2,0.14378287750462945,0.14485935765999405,-2.0745707744687179E-2,1.1900000000000001E-2,-0.14399427241271484,-0.28242885601272183,0.12586956054470957,0.11841163830523284,0.12799448858645601,0.18640175946959844,0.30109192361363457,0.21069922110473893,null,0.1399,6.7100000000000007E-2,-4.9404185602852452E-2,0.19245856723111765,null,0.13597960491055602,0.2286074234492623,0.32621990518883515,9.6799999999999997E-2,0.36520000000000002,0.32083848385183444,0.34675456729991871,0.17899999999999999,0.28915474825510201,0.26438150512269076,0.24330360451836375,0.20472097083450691,0.19310700388801746,0.21069230056227278,null,0.20760000000000001,0.29408534708955048,0.23718668994100425]
[null," Prima",0.376,0.33310000000000001,0.26,0.377,-2.6204127519473219E-2,0.35767388403629308,0.2463985100912974,0.37680000000000002,0.21291696893653064,0.28488518839456672,0.21429199202244531,0.25476613391332148,0.19815080067431609,0.13462484536722596,0.27873173884205693,0.33783951070593049,null,0.29530000000000001,0.21190000000000001,0.22915269341529404,0.20443056405967652,null,0.19819999999999999,0.13462484536722596,0.27873173884205693,0.33779999999999999,0.35859999999999997,0.36598903148099465,0.28850744418271779,0.33660000000000001,0.3141227067018304,0.320183586730306,0.27922945646573932,0.19657338213588271,0.22619282818444716,0.40088538026790299,null,0.2044,0.30003982501070864,0.27249432158290487]
[null,"Investment Management & Advisory"]
[null," Credicorp Capital",9.8000000000000004E-2,7.6700000000000004E-2,9.2999999999999999E-2,7.8E-2,2.3150219290291015E-3,0.10180104271751939,0.16270317393298564,7.8100000000000003E-2,6.7891077100262709E-2,9.6542228049437961E-2,7.1436301252140483E-2,9.5256138471237303E-2,7.826589186576928E-2,3.6487506001234543E-2,0.13708730590186252,0.13462589287473867,null,6.4899999999999999E-2,8.3799999999999999E-2,8.8221294281401325E-2,9.3254780234063528E-2,null,7.8299999999999995E-2,3.6487506001234543E-2,0.13708730590186252,0.1346,7.5199999999999989E-2,5.0954301884520443E-2,-5.4072705637448759E-3,0.11940000000000001,9.6333093638135775E-2,0.22559418511242776,0.1263422534600078,0.18033522105257294,0.17540344898542673,0.11185335197111898,null,9.3299999999999994E-2,6.2985100841910072E-2,0.15406935376947559]
[null," Atlantic Security Bank ",0.25900000000000001,0.25729999999999997,0.20300000000000001,0.32800000000000001,-3.3972980863656872E-3,0.73501157265182149,-0.29939885912180625,0.32769999999999999,0.11036706943702945,0.18876459186968869,0.17360295241188858,-2.5205542167142502E-2,0.10944936743640241,-3.6184980951211344E-3,5.3730551914842037E-2,0.11159074020203245,null,0.2606,0.17399999999999999,0.11802386047090467,6.2889860802409076E-2,null,0.1094,-3.6184980951211344E-3,5.3730551914842037E-2,0.1116,0.17149999999999999,0.22815419881669366,0.1378495728271513,0.14000000000000001,0.13761346222716339,0.13560594490456468,0.15147608114320329,-1.4364114857914048E-2,0.16513014375639448,0.16728858186348064,null,6.2899999999999998E-2,0.1673513175723986,0.10932538447170163]
[null,"Credicorp",0.185,0.18,0.17100000000000001,0.108,3.3860479414929333E-2,-0.10650073726974751,1.7808783410435396E-2,0.1077,0.1068478147924642,0.11280924504267981,0.18519973612555954,0.16415238283763664,0.17040868030092304,0.169169539167734,0.19554286521599731,0.15289035669056816,null,0.17030000000000001,1.3599999999999999E-2,0.13936229861937868,0.16700382741916053,null,0.17040868030092304,0.17255575940028081,0.1979644472996383,0.14360000000000001,0.18659999999999999,0.18563843628822088,0.16160280536162475,0.1057,0.182365014405445,0.16166012197854604,0.1850482383983644,0.13292776106360213,0.20261642275440292,0.20733515468901603,null,0.1681,0.15833775846116033,0.16469229155614218]
[]
[]
[null,"(1)  ROAE including goodwill of BCP from the acquisition of Edyficar.\n(2)  Figures include unrealized results that are considered in Pacifico’s Net Equity from the investment portfolio of Pacifico Vida."]

{"sheet":"0.3. Strategy & Yape","index":4,"n_rows":75,"n_cols":15,"rows_kept":75,"cut":false,"hidden":false,"merged":[[2,1,3,1],[2,2,2,11],[2,13,2,14],[16,1,16,11],[17,1,17,11],[24,1,24,11],[27,1,28,1],[27,2,27,5],[27,6,27,11],[18,1,18,11],[19,1,19,11],[20,1,20,11],[21,1,21,11],[22,1,22,11],[23,1,23,11],[27,13,27,14],[56,1,56,11],[66,13,66,14],[72,1,72,11],[73,1,73,11],[57,1,57,11],[74,1,74,11],[58,1,58,11],[59,1,59,11],[60,1,60,11],[62,1,62,11],[66,1,67,1],[66,2,66,5],[66,6,66,11]]}
["Back to index"]
[]
[null,"Core Businesses Transformation (1) ","Quarter",null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,"1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2023,2024]
[null,"Credicorp"]
[null,"Innovation Portfolio Risk-Adjusted Revenue Share (2)",1.8620278461997358E-2,2.2670711380068143E-2,2.9216292046442289E-2,3.410904366610322E-2,3.0830299674488058E-2,3.4196384878814282E-2,4.5232940483819803E-2,5.585221271440606E-2,5.3963464598761494E-2,6.2E-2,null,2.6114380019103847E-2,4.1987612008535048E-2]
[null,"BCP Individual"]
[null,"Digital clients (3)",0.60815615726613115,0.63495190245036104,0.65079943569009346,0.67640536866545053,0.70151773551170815,0.7227166714740243,0.74150929344545569,0.75807086354910758,0.77595783015173914,0.78800000000000003,null,0.63430646300000004,0.725059966]
[null,"Digital monetary transactions (4)",0.70003373568481508,0.74416401553846567,0.7780503476135322,0.80306367094150455,0.82380819674084904,0.84569746667133538,0.86388699385046763,0.87775948988900832,0.89405672289084959,0.9,null,0.75394170898681934,0.85911564287282594]
[null,"Cashless transactions (5)",0.50829327887704079,0.53349107593822476,0.55073761917772679,0.60417440949233858,0.58595650806548594,0.6064484596665054,0.62204215904026927,0.64884461109017777,0.6638459054395448,0.65663437141743242,null,0.53184752002078783,0.64982671647201662]
[null,"Mibanco"]
[null,"Disbursements through leads (6)",0.77200709163504777,0.74487868541885427,0.69814493347292739,0.7074913984360941,0.69066286465541937,0.68181770574015632,0.65880646789522623,0.65071011342784146,0.7,0.65,null,0.73464259556245493,0.67035951894631551]
[null,"Disbursements through alternative channels (7)",0.17092668708835326,0.16623860932149284,0.14703344310797245,0.13039804979362662,0.22400552037668453,0.22738618352994772,0.2260577915376677,0.24292197619393704,0.26,0.22694639128848737,null,0.15751596298461298,0.22892777210295598]
[null,"Relationship managers productivity (8)",28.029545905215151,26.727166957533449,22.073080660835764,21.577857956703379,25.03149766307661,21.855839037544079,23.636382113821139,24.541022592152199,28.202388180530257,25.9,null,24.618610619325288,23.72305586535537]
[null,"Pacifico"]
[null,"Digital Policies (thousands)",128.03,113.504,155.2286,273.70791512666688,529.51459999999997,581.97109999999998,650.30399999999997,712.1173,722.30790000000002,579.02589999999998,null,670.47051512666701,2473.9070000000002]
[null,"(1) Management figures. Figures for June 2024, March 2025, and June 2025."]
[null,"(2) As a percentage of Credicorp's total Risk-Adjusted Revenue."]
[null,"(3) Retail clients that made 70%, or more, of their transactions through digital channels in the last 6 months (including Yape)."]
[null,"(4) Monetary Transactions conducted through Mobile Banking, Internet Banking, Yape and Telecredito/Total Monetary Transactions in Retail Banking."]
[null,"(5) Amount transacted through Mobile Banking, Internet Banking, Yape y POS/Total amount transacted through Retail Banking."]
[null,"(6) Disbursements generated through leads/Total disbursements."]
[null,"(7) Disbursements conducted through alternative channels/Total disbursements. Figures differ from previously reported due to a methodological change."]
[null,"(8) Number of loans disbursed/Total relationship managers."]
[null,"(9) Number of insurance policies issued through digital channels."]
[]
[null,null,"(Under Previous Accounting Classifications)",null,null,null,"(Under New Accounting Classifications and Allocations)"]
[null,"Management KPI's (1)","Quarter",null,null,null,"Quarter",null,null,null,null,null,null,"Year"]
[null,null,"1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2023,2024]
[null,"Users"]
[null,"Users (millions)",12.304617,12.629308,13.429695000000001,14.240484,15.129688,15.873941,16.613156,17.310786,17.983221000000004,18.615642000000001,null,14.240484,17.310786]
[null,"Monthly Active Users (MAU) (millions) (2)",8.4005799999999997,8.9596560000000007,9.8371200000000005,10.717435,11.542527,12.265779,13.031725,13.745141,14.347254,14.946175999999999,null,10.717435,13.745141]
[null,"Revenue Generating MAU (millions) ",4.03775,5.1875530000000003,6.4871290000000004,7.8563879999999999,8.6338969999999993,9.4820030000000006,10.366845,11.380425000000001,11.975773,12.56156,null,7.8563879999999999,11.380425000000001]
[null,"Engagement"]
[null,"# Transactions (millions)",480.33342699999997,615.08057599999995,794.63675000000001,1027.9051899999999,1127.6907309999999,1400.6101120000001,1664.162521,1953.1486199999999,2025.371398,2384.912347,null,2917.9559429999999,6145.6119840000001]
[null,"# Transactions / MAU",21.186261305766983,24.63044596801484,29.051374385999154,35.301770339638168,36.034885255195853,40.161927831897181,44.115644475309296,50.984725074846452,52.057502501872484,54.473966451351835,null,35.301770339638168,50.984725074846452]
[null,"# Average Functionalities / MAU",1.6,1.8,2,2.2000000000000002,2.2200000000000002,2.33,2.4,2.5499999999999998,2.62,2.66,null,2.2000000000000002,2.5499999999999998]
[null,"Experience"]
[null,"NPS (3)",73,78,76,80,78.400000000000006,76.400000000000006,73.5,79,77,77,null,80,79]
[null,"Unit Economics"]
[null,"Monthly Indicators (4)"]
[null,"Revenues / MAU (S/)",1.8909331549728756,2.3318987478528124,2.8588862855232451,3.7738622337384866,3.4456264355078936,3.9273536861533018,4.6213673499740509,6.1443478516970007,6.2143812805536047,6.4532490221355623,null,3.7738622337384866,6.1443478516970007]
[null,"Expenses / MAU (S/)",-4.0999999999999996,-3.6,-3.8,-4.7112252633832403,-3.8850230269265613,-3.929675059697503,-4.1829475240455753,-5.0142907772109471,-4.7080626954165394,-4.3824925267268382,null,-4.7112252633832403,-5.0142907772109471]
[null,"Quarterly Indicators (5)"]
[null,"Revenues / MAU (S/)",1.9997600660788313,2.1883872654168779,2.8631904168382079,3.4747613933398505,3.2769709688023938,3.7713515610482751,4.6462995935026044,5.3258517435550994,5.5390933521209442,6.389765664911855,null,2.631524785418442,4.2551184667270929]
[null,"Expenses / MAU (S/)",-3.9637751847798617,-3.7661490902937764,-3.7199994339094107,-4.3478706279167314,-3.8262958201948991,-3.8662902693309449,-4.1238914944566307,-4.4692831318456268,-4.2290532914134928,-4.4515623675252023,null,-3.9494485842249452,-4.0714401789570251]
[null,"Drivers Monetization"]
[null,"Total TPV (S/, billions) (6)",24.046370969147993,29.422136634700003,37.282983206418194,47.115161322238997,50.473581064730197,62.141461464995004,76.90148049253979,90.290744813160373,91.564911967048076,103.3680752851199,null,137.86665213250518,279.80726783542536]
[null,"Total Revenue Generating TPV (S/, billions) (7)",0.53737316530200008,1.01844520598,1.8012361832982002,2.9097938772489997,3.7642844454517004,4.8877914821050998,6.2994389037297989,7.5745286701457406,8.701148797335291,10.147615082921128,null,6.2668484318291995,22.526043501432344]
[null,"Payments"]
[null,"# Bill Payments transactions (millions) ",0.64686399999999999,5.0993959999999996,10.587719999999999,18.050272,23.444623,28.647608999999999,34.589619999999996,40.456130999999999,45.009613000000002,50.142870000000002,null,34.384251999999996,127.13798299999999]
[null,"Financials"]
[null,"# Loans Disbursements (thousands) ",166.68899999999999,165.97200000000001,228.41300000000001,290.36500000000001,512.41999999999996,751.91600000000005,1295.521,2144.9580000000001,3100.44,3855.1480000000001,null,854.31600000000003,4704.8149999999996]
[null,"E-Commerce"]
[null,"GMV (S/, millions) (8)",10.755494373900007,25.470621211299985,39.540011835774131,47.289924417991443,59.070416886931547,75.008910168174467,111.75912224975339,120.38637364499108,124.56413744154747,129.10556861265826,null,123.05605183896559,366.22482294985059]
[null,"(1) Management Figures. "]
[null,"(2) Yape users that have made at least one outgoing transaction in the measurement month."]
[null,"(3) Net Promoter Score."]
[null,"(4) Monthly indicators consider the results of the last month of the quarter for the numerator and denominator."]
[null,"(5) Quarterly indicators are calculated using the sum of the three months in the period for numerator accounts, and the average of the denominator—based on the last month’s data from both the current and previous quarters."]
[null,"(6) Total Payment Volume."]
[null,"(7) Revenue Generating Total Payment Volume (TPV)."]
[null,"(8) Gross Merchant Volume includes the following functionalities: Yape Promos, Yape Store, Ticketing, Gaming, Delivery, Buses, Gas, Brand Solutions and Insurance."]
[]
[]
[null,null,"(Under Previous Accounting Classifications)",null,null,null,"(Under New Accounting Classifications and Allocations)"]
[null,"Financial Results (1)\nS/ millions",null,null,null,null,"Quarter",null,null,null,null,null,null,"Year"]
[null,null,"1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2023,2024]
[null,"Net Interest Income after Provisions (2)",27.533529354559207,34.533064318516942,46.144237428821462,54.789200803484107,50.652636106673278,56.233188438320859,70.150065593272998,88.312446345804361,93.004131559373519,123.92478623221119,null,163.00003190538172,265.34833648407147]
[null,"Other Income (3)",15.664394744278733,23.254763543367091,36.419551025093014,52.488146687168992,59.728349642581172,79.952777945279649,108.24225997361337,127.73418964505861,141.59496508311236,158.48518588996058,null,127.82685599990783,375.65757720653284]
[null,"Total Income",43.197924098837937,57.787827861884026,82.563788453914484,107.2773474906531,110.38098574925445,136.18596638360052,178.39232556688637,216.04663599086297,234.59909664248588,282.40997212217178,null,290.82688790528954,641.0059136906043]
[null,"Total Operating Expenses",-100.23647050031089,-98.784615048616942,-107.51948546073348,-137.52192654599341,-128.82539440936225,-139.52915808951872,-158.37242446037027,-181.25587558873994,-179.1400251254054,-196.57263354229497,null,-444.06249755565477,-607.98285254799111]
[null,"(1) Management figures. Beginning in 1Q25, reclassifications between Operating Expenses and Fee Income have been incorporated, along with new accounting allocations —primarily related to interest expenses associated with the Deposit Insurance Fund. Figures for prior periods have been restated for comparability and may differ from those previously reported."]
[null,"(2) Includes interest income, interest expense and net provisions."]
[null,"(3) Includes Other income recorded in BCP and in Yape Market. "]

{"sheet":"1.1. Loans","index":5,"n_rows":96,"n_cols":16,"rows_kept":96,"cut":false,"hidden":false,"merged":[]}
[null,"Back to index"]
[]
[null,"Total Loans\n(S/ millions) ","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"BCP Individual",120541.004,125535.209,126176.60051737,123707.60047648,119751.39907961001,117611.69469485,119635.05101442001,119425.13400000001,115355.73374974,121055.85139563,117687.023,120571.109,119378.598,120998.97500000001]
[null,"Mibanco",13983.905000000001,14434.897999999999,14228.231,14089.071,14006.154,14198.69,13562.314,13269.018,13080.143,12705.605,12118.953,12239.171,12525.099,12785.249]
[null,"Mibanco Colombia",1167.998,1194.203,1247.8140000000001,1227.903,1313.421,1475.2850000000001,1661.788,1737.0940000000001,1780.9870000000001,1757.1880000000001,1773.682,1794.549,1903.973,1976.163]
[null,"Bolivia",8890.9480000000003,9208.0570000000007,9642.982,9253.9079999999994,9362.1200000000008,9087.4,9598.393,9401.7999999999993,9739.0360000000001,10228.585999999999,9829.5660000000007,9938.9709999999995,6293.81,4189.04]
[null,"ASB ",2315.2199999999998,2359.7629999999999,2484.8130000000001,2446.0659999999998,2410.1790000000001,2220.5819999999999,2175.83,2150.0050000000001,2002.8530000000001,1953.028,1927.8019999999999,1801.615,1776.97,1558.925]
[null,"Others (1)",-2277.5620000000054,-2361.9459999999963,-2388.2385173700168,-2098.174476479966,-1677.5600796100334,-1748.1026948499784,-1504.1160144199966,-1007,-1160.6697497399873,-753.71222360403044,-768.24099999997998,-613.14199999999255,-681.80399999997462,-546.37400000001071]
[null,"Total Loans",144621.51300000001,150370.18400000001,151392.20199999999,148626.37400000001,145165.71299999999,142845.549,145129.26,144976.05100000001,140798.08300000001,146946.54617202596,142568.785,145732.27299999999,141196.64600000001,140961.978]
[]
[null,"Measured at End of Period. For consolidation purposes, loans generated in Foreign Currency (FC) are converted into Local Currency (LC)."]
[null,"(1) Includes eliminations for intercompany transactions"]
[]
[]
[null,"Total Loans\n(S/ millions) ","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"BCP Individual",120541.004,125535.209,126176.60051737,123707.60047648,119751.39907961001,117611.69469485,119635.05101442001,119425.13400000001,115355.73374974,121055.85139563,117687.023,120571.109,119378.598,120998.97500000001]
[null,"Wholesale Banking",55110.554172996999,58217.317916294029,58541.815807575003,56681.002427382031,53720.406905762,51990.849180341014,53005.679680068002,53234.60450321799,49737.369001910018,54319.527017722001,51662.553461194984,53524.77810209203,52602.32984472403,53025.225962158001]
[null,"   Corporate",31932.986188202012,34098.714128008993,34102.66896359899,33119.869964660029,32782.084159718004,30778.085833193003,30880.090993198999,31143.972534908979,29082.82966568401,32009.80122602799,31382.59501401399,31388.476569866016,31368.778246321013,30495.785534183004]
[null,"   Middle-Market",23177.567984794983,24118.603788285036,24439.146843976014,23561.132462721998,20938.322746043996,21212.763347148011,22125.588686869003,22090.631968309011,20654.539336226007,22309.725791694011,20279.958447180998,22136.301532226014,21233.551598403017,22529.440427975002]
[null,"Retail Banking",63552.412447695991,64888.079965810037,65121.681691507038,64706.572257916006,63630.605963185029,63411.269067766974,64082.119602892009,64219.878382643008,63626.018426370007,64827.428730166976,64384.125246218013,65013.985490527994,64875.429984416012,66176.376884868994]
[null,"   SME - Business",9403.0430360909959,9263.2714154660025,9102.0725961309963,8795.8519663789994,7960.0159260149976,7708.1446832849933,7779.3181805180011,7779.9168043690051,7391.1242793379997,7936.254272843993,7912.3137061240004,8184.621661115998,7711.3959708260018,7691.7364117339985]
[null,"   SME - Pyme",19240.047148111993,18913.867647953004,18338.257539099002,17474.724161282003,16617.576730302007,16491.491389615985,16698.066321104998,16651.974731781003,16370.75930095701,16368.921234160989,16268.201647996999,16163.108822459008,15921.753851051002,16090.775783310988]
[null,"   Mortgage",18931.801916804005,19396.405155353019,19798.967655184024,20002.181835512009,20219.981589360017,20421.732874099005,20798.984621983011,20995.004897272011,21158.516506978005,21554.400590363999,21613.749651089998,21838.121455903001,22114.538012756002,22824.041736701009]
[null,"   Consumer",11761.425010630004,12598.295567443,12916.215183214012,13150.123069904012,13248.67146454801,12967.344589840999,12934.885075686001,12771.420088337993,12746.948327481996,12900.278975878999,12708.759598157012,12866.064386636999,13172.604556086002,13445.722724360006]
[null,"   Credit Card",4216.0953360590011,4716.2401795950118,4966.1687178790044,5283.691224838989,5584.360252959993,5822.5555309259908,5870.8654035999934,6021.5618608829927,5958.6700116150005,6067.5736569189976,5881.1006428500023,5962.069164412992,5955.1375936970071,6124.1002287629944]
[null,"Others (1)",1878.0373793070175,2429.8111178959371,2513.1030182879622,2320.0257911819645,2400.3862106629822,2209.5764467420086,2547.2517314599972,1970.6511141390074,1992.346321459976,1908.8956477410247,1640.344292587004,2032.3454073799658,1900.8381708599627,1797.3721529730101]
[null,"Total Loans",144621.51300000001,150370.18400000001,151392.20199999999,148626.37400000001,145165.71299999999,142845.549,145129.26,144976.05100000001,140798.08300000001,146946.54617202596,142568.785,145732.27299999999,141196.64600000001,140961.978]
[]
[null,"Measured at End of Period"]
[null,"For consolidation purposes, loans generated in Foreign Currency (FC) are converted into Local Currency (LC)."]
[null,"(1) Includes other assets and accruals."]
[]
[]
[null,"Total Loans - Local Currency (LC)\n(S/ millions) ","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"BCP Individual",86873.044999999998,86420.555999999997,86580.952999999994,84601.735000000001,81726.201000000001,80470.327000000005,80402.082999999999,80376.259999999995,78691.381999999998,80749.285000000003,79916.040999999997,81743.682000000001,79701.967999999993,81216.846000000005]
[null,"Mibanco",13955.856,14408.526,14202.897000000001,14068.689,13985.027,14179.290999999999,13543.475,13251.936,13065.072,12691.424999999999,12106.493,12227.419,12514.700999999999,12776.027]
[null,"Mibanco Colombia",0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Bolivia",0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"ASB ",29.510999999999999,3.923,5.9390000000000001,0,0,0,0,0,0,0,0,0,0,0]
[null,"Others (1)",-2225.5910000000003,-2240.2649999999849,-2292.4789999999921,-1801.3469999999943,-1475.7489999999962,-1269.0770000000048,-997.79899999999907,-582.76999999998952,-766.14699999999721,-755.61500000000524,-924.82399999999325,-816.05299999999988,-572.59599999999045,-882.8520000000135]
[null,"Total Loans",98632.820999999996,98592.74,98497.31,96869.077000000005,94235.479000000007,93380.540999999997,92947.759000000005,93045.426000000007,90990.307000000001,92685.095000000001,91097.71,93155.047999999995,91644.073000000004,93110.020999999993]
[]
[null,"Measured at End of Period"]
[null,"(1) Includes eliminations for intercompany transactions"]
[]
[]
[]
[null,"Total Loans - Local Currency (LC)\n(S/ millions) ","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"BCP Individual",86873.044999999998,86420.555999999997,86580.952999999994,84601.735000000001,81726.201000000001,80470.327000000005,80402.082999999999,80376.259999999995,78691.381999999998,80749.285000000003,79916.040999999997,81743.682000000001,79701.967999999993,81216.846000000005]
[null,"Wholesale Banking",29621.758819757,28617.785037856007,28993.456963691999,27179.128336888003,25134.114408124002,24058.814168925004,23717.160671116988,23602.699073589007,22226.314368494001,23538.253718237,22866.680520569003,24245.325404069001,22208.891083483995,22474.543525661997]
[null,"   Corporate",16201.300658958999,15955.494536031001,16372.275023887005,15301.700670174007,15315.372891159004,14127.453888255999,14195.137100041995,13950.932499919003,12872.500504927999,14474.622152926995,14191.706881141001,14633.865995503002,13048.692934422996,13193.886634514001]
[null,"   Middle-Market",13420.458160798002,12662.290501825006,12621.181939804996,11877.427666713997,9818.7415169649976,9931.3602806690033,9522.0235710749948,9651.7665736700019,9353.8138635659998,9063.6315653100028,8674.9736394280026,9611.4594085659992,9160.1981490609996,9280.6568911479953]
[null,"Retail Banking",56897.010180862002,57494.629832769984,57044.372299126015,56871.681793648029,55999.41325549801,55792.067282486991,55994.612600979002,56252.732625315999,55818.955306178999,56733.146513908992,56487.647193015029,56853.177896228,56910.71547011799,58175.650790993983]
[null,"   SME - Business",6935.1199974070023,6451.1636753520006,5886.0278340700006,5495.2026777749988,4829.6889379229997,4503.2398521199993,4385.404773235,4398.9734658979978,4191.6136301700035,4683.0636600409998,4745.5958605839969,4836.0760751590005,4525.0216182229997,4471.3037551649968]
[null,"   SME - Pyme",19096.00174918399,18768.392953805986,18186.520471259999,17322.880201369011,16471.388259449006,16342.596026424986,16541.362549109996,16498.287700046003,16227.413183561002,16224.695580927993,16137.543710820994,16026.911213262005,15790.746959117994,15948.858532036995]
[null,"   Mortgage",17043.678766670007,17407.714037319998,17686.835985380014,17993.634433230014,18223.516568000003,18505.059960840001,18820.912601540003,19065.335802610007,19245.849642290006,19573.786147999996,19700.986049330015,19954.694681288998,20325.136342965994,21129.886417088001]
[null,"   Consumer",10311.010882327999,10961.865879871004,11200.683887159012,11594.606615734003,11769.519346084007,11530.392249178003,11342.947411514997,11191.979459325003,11145.040279137995,11208.62101336,11057.789893738007,11097.494851033,11328.797361983005,11516.983925981995]
[null,"   Credit Card",3511.1987852729985,3905.4932864209991,4084.3041212569979,4465.3578655400033,4705.3001440419976,4910.7791939239978,4903.9852655790055,5098.1561974369934,5009.0385710199935,5042.9801115799974,4845.7316785420144,4938.0010754849982,4941.0131878279981,5108.6181607220005]
[null,"Others (1)",354.27599938098865,308.14112937400932,543.12373718198796,550.92486946396821,592.67333637799311,619.44554858801712,690.30972790400847,520.82830109498173,646.11232532699069,477.88476785400417,561.71328641596483,645.17869970299944,582.36144639800477,566.65168334402551]
[null,"Total Loans",98632.820999999996,98592.74,98497.31,96869.077000000005,94235.479000000007,93380.540999999997,92947.759000000005,93045.426000000007,90990.307000000001,92685.095000000001,91097.71,93155.047999999995,91644.073000000004,93110.020999999993]
[]
[null,"Measured at End of Period"]
[null,"(1) Includes other assets and accruals."]
[]
[]
[null,"Total Loans - Foreign Currency (FC)\n(millions)* ","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"BCP Individual",33667.957999999999,39114.652999999998,39595.648000000001,39105.864999999998,38025.197999999997,37141.368000000002,39232.968000000001,39048.873,36664.351999999999,40306.565999999999,37770.982000000004,38827.425999999999,39676.629999999997,39782.127999999997]
[null,"Mibanco",28.048999999999999,26.372,25.334,20.382000000000001,21.126999999999999,19.399000000000001,18.838999999999999,17.082000000000001,15.071,14.18,12.46,11.752000000000001,10.398,9.2210000000000001]
[null,"Mibanco Colombia",1167.998,1194.203,1247.8140000000001,1227.903,1313.421,1475.2850000000001,1661.788,1737.0940000000001,1780.9870000000001,1757.1880000000001,1773.682,1794.549,1903.973,1976.163]
[null,"Bolivia",8890.9480000000003,9208.0570000000007,9642.982,9253.9079999999994,9362.1200000000008,9087.4,9598.393,9401.7999999999993,9739.0360000000001,10228.585999999999,9829.5660000000007,9938.9709999999995,6293.81,4189.04]
[null,"ASB ",2285.7089999999998,2355.84,2478.8739999999998,2446.0659999999998,2410.1790000000001,2220.5819999999999,2175.83,2150.0050000000001,2002.8530000000001,1953.028,1927.8019999999999,1801.615,1776.97,1558.925]
[null,"Others (1)",-51.969999999993888,-121.68099999999686,-95.760000000002037,-296.82699999999022,-201.81100000000151,-479.0260000000053,-506.31700000000274,-424.22899999999936,-394.52300000000832,1.9029999999984284,156.58299999999144,202.9120000000039,-109.20799999999872,336.4800000000032]
[null,"Total Loans",45988.692000000003,51777.444000000003,52894.892,51757.296999999999,50930.233999999997,49465.008000000002,52181.500999999997,51930.625,49807.775999999998,54261.451000000001,51471.074999999997,52577.224999999999,49552.572999999997,47851.957000000002]
[]
[null,"Measured at End of Period"]
[null,"(1) Includes eliminations for intercompany transactions"]
[]
[]
[]
[null,"Total Loans - Foreign Currency (FC)\n(millions)* ","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"BCP Individual",33667.957999999999,39114.652999999998,39595.648000000001,39105.864999999998,38025.197999999997,37141.368000000002,39232.968000000001,39048.873,36664.351999999999,40306.565999999999,37770.982000000004,38827.425999999999,39676.629999999997,39782.127999999997]
[null,"Wholesale Banking",25488.795349081462,29599.527398819177,29548.335853794364,29501.715494809661,28586.2924934742,27932.035007900478,29288.519004342503,29631.90542494852,27511.054629144099,30781.273294830338,28795.872936021311,29279.452694601321,30407.298336619933,30550.682433171816]
[null,"   Corporate",15731.685527902677,18143.214119758351,17730.393938295274,17818.153406543566,17466.711267343144,16650.631943892622,16684.953891872665,17193.040033797577,16210.329159669216,17535.179071782011,17190.888131627165,16754.610573413513,18333.944889467675,17301.898899345982]
[null,"   Middle-Market",9757.109821178783,11456.313279060825,11817.941915499088,11683.562088266095,11119.581226131057,11281.403064007856,12603.565112469838,12438.865391150941,11300.725469474884,13246.094223048329,11604.984804394144,12524.842121187807,12073.35344715226,13248.783533825834]
[null,"Retail Banking",6649.102636879732,7476.5439001683035,8083.8989729663408,7798.1502890220318,7539.7477820421236,7598.7193165672315,8017.4509604798732,7977.6651435005651,7788.1895839876697,8114.5942754170028,7839.5095978626396,8161.8470407002405,7910.5684501621681,7953.2915208925642]
[null,"   SME - Business",2409.6982404438299,2838.4318765206012,3159.6590561889088,3212.5380573314287,2988.0404539908118,3139.1161025872834,3244.7010220452926,3318.2843110354279,3112.046084976399,3205.0565668887111,3046.7743644815796,3287.5472272699681,3073.831239959256,3122.4082937244116]
[null,"   SME - Pyme",144.04539889628398,145.47469408965014,151.73706782070002,151.84395987646798,146.188470834252,148.89536318514396,156.703771969722,153.68703169986102,143.34611737388801,144.22565319581699,130.65793714923302,136.19760919541605,131.00689191052399,141.917251257012]
[null,"   Mortgage",1888.1231498143081,1988.6911172466746,2112.1316694259776,2008.5474019877556,1996.4650210369916,1916.6729130499925,1978.0720201523495,1929.6690944038055,1912.6668643599667,1980.6144420854371,1912.7636014955499,1883.4267743985724,1789.4016695634527,1694.1553193982338]
[null,"   Consumer",1502.3393076340496,1693.1993519583016,1778.5065958868829,1606.8875242765782,1529.9937405199264,1482.2586130493441,1671.0940250216204,1652.6190609198748,1670.4990925971913,1760.1040861849747,1713.9447479338889,1830.6073541371518,1902.2042550111439,1979.3286064223987]
[null,"   Credit Card",704.89654009126048,810.74686035307548,881.86458364387227,818.33334554980127,879.060095660142,911.77632469546802,966.88012129088975,923.40564544159565,949.63142468022522,1024.5935270620625,1035.3689468023881,1024.0680756991324,1014.124393717792,1015.4820500905082]
[null,"Others (1)",1530.0600140388051,2038.5817010125174,1963.4131732392998,1805.999216168304,1899.1577244836735,1610.613675532295,1926.9980351776248,1439.3024315509174,1365.1077868682332,1410.6984297526578,1135.5994661160512,1386.1262646984396,1358.7632132178987,1278.1540459356183]
[null,"Total Loans",45988.692000000003,51777.444000000003,52894.892,51757.296999999999,50930.233999999997,49465.008000000002,52181.500999999997,51930.625,49807.775999999998,54261.451000000001,51471.074999999997,52577.224999999999,49552.572999999997,47851.957000000002]
[]
[null,"Measured at End of Period"]
[null,"(1) Includes other assets and accruals."]

{"sheet":"1.2.Portfolio Quality ","index":6,"n_rows":21,"n_cols":28,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
[null,"Back to index"]
[]
[null,"Loan Portfolio Quality and Delinquency Ratios",null,null,null,null,null,null,null,null,null,null,null,"As of "]
[null,"S/ 000","Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Total loans (Quarter-end balance)",108350384,109381123,112209990,115609679,120708515,132741720,136148711,137659885,137031239,143091752,146551226,147597412,144621513,150370184,151392202,148626374,145165713,142845549,145129260,144976051,140798083,146946546,142568785,145732273,141196646,140961978]
[null,"Write-offs ",433231.3130962468,407347.66237784352,456932.20043713407,509571.00368245313,519866.13159784127,42103.613532522053,20248.953075796511,509000.60671335785,767136,742211.326,670273,683180.56185696565,378093.04461149022,413501,837923.63551385899,754326.00700764952,677147.59611435106,682153.9939609298,1018084,879400.59139457066,950433.47589669493,994556.04165410192,923946.13648514054,896713.66303787136,716584.90660352167,581373.23998964729]
[null,"Internal overdue loans (IOLs)",3153187,3285279,3346389,3297791,3579504,3842830,4142844,4675731,4868483,5054353,5473685,5551258,5872999,6105256,6250131,5939744,5789497,5979395,6406345,6126487,6205024,6230761,6026341,5423212,5206395,5044212]
[null,"Internal overdue loans over 90-days",2263777.4087706744,2431144.3691184525,2539750.5180751262,2480671.5019999999,2572477.642,3112919.9139999999,3442908.1170000001,3709864.585498658,3789286,3817463.3446838781,4051717,4203671.3603125112,4424384.3060258487,4596259,4667607.5598690491,4620461.1743096244,4270131,4562341,4874960,4681343,4702733,4760837,4851591,4383795,4232843,4171379]
[null,"Refinanced loans",1278459,1212669,1225691,1182797,1125394,1179031,1539484,1664626,1951855,1800076,1798965,1799541,1714074,1686186,1808982,2098748,2121068,2084124,2253098,2406058,2557749,2555135,2333814,2239445,2001282,1947709]
[null,"Non-performing loans (NPLs)",4431646,4497948,4572080,4480588,4704898,5021861,5682328,6340357,6820338,6854429,7272650,7350799,7587073,7791442,8059113,8038492,7910565,8063519,8659443,8532545,8762773,8785896,8360155,7662657,7207677,6991921]
[null,"IOL ratio",2.9101761189881892E-2,3.0035155151954328E-2,2.9822558579677264E-2,2.8500000000000001E-2,2.9654113464986295E-2,2.8949677614543493E-2,3.0428815444312213E-2,3.3965820907085602E-2,3.5528271038985496E-2,3.5322462191950801E-2,3.7349977543006022E-2,3.7610808514718402E-2,4.060944238634815E-2,4.0601506479502614E-2,4.1284365491955785E-2,3.9964266369036223E-2,3.9881986457780148E-2,4.1859162164023744E-2,4.414233904313989E-2,4.2258614148622385E-2,4.4070372747901689E-2,4.240154783903529E-2,4.2269708618194367E-2,3.7213527850485116E-2,3.6873361708606021E-2,3.5784202744374091E-2]
[null,"IOL over 90-days ratio",2.0893118466203814E-2,2.2226361390698581E-2,2.2633907355977183E-2,2.1457299453275014E-2,2.131148446321289E-2,2.3450953581134852E-2,2.52878495265372E-2,2.6949496474580507E-2,2.7652716472920457E-2,2.6678430386986092E-2,2.7647104091780166E-2,2.8480657644000637E-2,3.0592850359862082E-2,3.0566292317631267E-2,3.0831228413396413E-2,3.1087760872842287E-2,2.9415561786273869E-2,3.1938979071724521E-2,3.3590469626869179E-2,3.2290457408030791E-2,3.3400547079891707E-2,3.2398427384608276E-2,3.4029826374686434E-2,3.0081154364483151E-2,2.9978353735116342E-2,2.9592228054575113E-2]
[null,"NPL ratio ",4.0901064088522288E-2,4.1121793931481208E-2,4.0745748217248752E-2,3.8800000000000001E-2,3.8977349692356E-2,3.7831821073284269E-2,4.1736186543844693E-2,4.6058130878142166E-2,4.9772139913293788E-2,4.7902334720173106E-2,4.9625309855817923E-2,4.980303448681065E-2,5.2461579488523258E-2,5.1815072594444657E-2,5.3233342890408583E-2,5.4085232544258934E-2,5.4493343066485678E-2,5.6449214248880795E-2,5.9667106412586962E-2,5.8854858724217834E-2,6.2236451045998974E-2,5.9789741502328339E-2,5.8639449021046224E-2,5.2580371130284916E-2,5.1047083653814267E-2,4.9601467709257031E-2]
[]
[null,"Loan Portfolio Quality and Delinquency Ratios",null,null,null,null,null,null,null,null,null,null,null,"As of "]
[null,"S/ 000","Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Total loans (Quarter-end balance)",108350384,109381123,112209990,115609679,120708515,132741720,136148711,137659885,137031239,143091752,146551226,147597412,144621513,150370184,151392202,148626374,145165713,142845549,145129260,144976051,140798083,146946546,142568785,145732273,141196646,140961978]
[null,"Allowance for loan losses",4862801,4878150,4977809,5123962,5931772,8412544,9656383,9898760,9744298,9391151,9077449,8477308,8262383,8306500,8030104,7872402,7915350,7956184,8056216,8277916,8190343,8350024,8250023,7994977,7742792,7658595]
[null,"Non-performing loans (NPLs)",4431646,4497948,4572080,4480588,4704898,5021861,5682328,6340357,6820338,6854429,7272650,7350799,7587073,7791442,8059113,8038492,7910565,8063519,8659443,8532545,8762773,8785896,8360155,7662657,7207677,6991921]
[null,"Allowance for loan losses over Total loans",4.4880330096476628E-2,4.4597731913942777E-2,4.4361549270256595E-2,4.4321219852189023E-2,4.9141288831198032E-2,6.337528246582913E-2,7.0925262010009038E-2,7.1907367930751934E-2,7.1110048125595654E-2,6.5630274762447524E-2,6.1940450774529858E-2,5.7435343107506517E-2,5.7131078417081697E-2,5.5240339401327061E-2,5.3041728001287675E-2,5.2967732362225295E-2,5.4526305395544747E-2,5.5697808267025528E-2,5.5510625493439436E-2,5.7098506566439722E-2,5.8170841715224207E-2,5.6823547250984721E-2,5.7866965759720827E-2,5.4860717090441595E-2,5.4836939965273682E-2,5.4330927450521448E-2]
[null,"Coverage ratio of NPLs ",1.0972900362528957,1.0845278780457221,1.0887405732183164,1.1439999999999999,1.2607652705754726,1.6751845580751836,1.699370926845476,1.5612307004163961,1.4287118908183143,1.3700850938860114,1.2481624992265543,1.1532498712044772,1.0890079744850221,1.0661056066386685,0.99640047235967533,0.97933816442188415,1.0006048872615294,0.98668881415173693,0.93033882202354123,0.97015790716603312,0.93467478844881635,0.95038957893423737,0.98682656003387492,1.0433687688226159,1.0742423668541197,1.0953491894430729]

{"sheet":"2.Deposits","index":7,"n_rows":14,"n_cols":28,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[null,"Back to index"]
[]
[null,"Deposits",null,null,null,null,null,null,null,null,null,null,null,"As of "]
[]
[null,"S/ 000","Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Demand deposits",31695558,29863335,32626001,34213188,38746287,48926791,53574151,54530356,58074996,59998764,61112084,58629661,56923859,51554195,53512524,48467247,47483662,43930450,45120127,48229322,47384819,50657031,53149144,52590952,53992480,49237039]
[null,"Saving deposits",32968147,32604309,33681765,35179770,37872908,42562229,45999882,50069129,51013689,52687270,54365781,56945262,56454479,54936107,55154337,54769045,53418288,49456054,49395543,52375813,52238357,53015745,54474960,59757825,59969559,59086275]
[null,"Time deposits",31399811,32472216,33194331,34034037,35045214,30019871,29785440,29324090,31389760,30302103,31601351,29251493.191449672,30029261,35923266,39372047,38897010,43194573,45107429,49213763,42484664,43775526,43504883,42514849,45217785,39779546,42361180]
[null,"Severance indemnity deposits",7074344,7609448,7205449,7897199,7204922,7441044,7127617,7736747,7457440,5456510,4681224,4017065,3750593,4155932,3745597,3824629,3322691,3545001,3245358,3185603,3086767,3358408,2989705,2996020,2921196,3268583]
[null,"Interest payable ",589397,607736,684174,681191,694214,714397,715584,705180,690454,717156,787928,753064,757772,871076,1007509,1062856,1204086,1348783,1496744,1429592,1371658,1435917,1306793,1279484,956301,770257]
[null,"Low-cost Deposits (1)",64663705,62467644,66307766,69392958,76619195,91489020,99574033,104599485,109088685,112686034,115477865,115574923,113378338,106490302,108666861,103236292,100901950,93386504,94515670,100605135,99623176,103672776,107624104,112348777,113962039,108323314]
[null,"Total Deposits",103727257,103157044,107391720,112005385,119563545,129664332,137202674,142365502,148626339,149161803,152548368,149596545.19144967,147915964,147440576,152792014,147020787,148623300,143387717,148471535,147704994,147857127,151971984,154435451,161842066,157619082,154723334]
[]
[null,"(1) Includes Demand Deposits and Saving Deposits"]

{"sheet":"3.1.IEA","index":8,"n_rows":23,"n_cols":34,"rows_kept":23,"cut":false,"hidden":false,"merged":[[3,2,4,17],[15,2,16,17],[3,20,3,33],[15,20,15,33]]}
[null,"Back to index"]
[]
[null,"(Under IFRS 4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Under IFRS 17)"]
[null,"Interest Earning Assets","As of",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest Earning Assets","As of"]
[null,"S/000",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S/000"]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22",null,null,"Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Cash and due from banks",14816077,17298234,20004002,19671684,19162140,29425115,28219512,28544161,31831948,29058684,36137443,32392465,29560067,23644089,29067922,26627902,null,"Cash and due from banks",29563512,23831465,29330082,26897216,28158941,26036894,24907836,25978577,31134572,27157901,37007966,40119937,37521839,34206000]
[null,"Interbank Funds",288093,190415,254175,137722,376289,5403,2031,32221,63301,16790,9782,2943,3445,187376,262160,269314,null,"Total investments",48145429,45342775,46843270,45431224,47729504,48035351,51116913,52215528,52555386,52426146,53328873,53825858,55604610,51603447]
[null,"Total investments",34960529,34414427,33956227,33530531,36816653,41637044,51648986,55173742,59412732,54772644,48110456,48952540,48145429,45342775,46843270,45431054,null,"Cash collateral, reverse repurchase agreements and securities borrowing",1516855,2046209,1586967,1101856,1468180,1863243,1513622,1410647,1526232,1777491,1419305,1033177,1835893,4593501]
[null,"Cash collateral, reverse repurchase agreements and securities borrowing",4026447,4445749,3903051,4288524,4424345,2920789,2821116,2394302,1769690,1616654,2555337,1766948,1516855,2046209,1586967,1101856,null,"Total loans",144621513,150370184,151392202,148626374,145165713,142845549,145129260,144976051,140798083,146946546,142568785,145732273,141196646,140961978]
[null,"Financial assets designated at fair value through profit or loss",576618,588074,617387,620544,559321,662634,729059,823270,888420,921851,981508,987082,856337,765195,767425,768801,null,"Total interest earning assets",223847309,221590633,229152521,222056670,222522338,218781037,222667631,224580803,226014273,228308084,234324929,240711245,236158988,231364926]
[null,"Total loans",108350384,109381123,112209990,115609679,120708515,132741720,136148711,137659885,137031239,143091752,146551226,147597412,144621513,150370184,151392202,148626374]
[null,"Total interest earning assets",163018148,166318022,170944832,173858684,182047263,207392705,219569415,224627581,230997330,229478375,234345752,231699390,224703646,222355828,229919946,222825301]
[]
[]
[null,"Total Investments","As of",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Investments","As of"]
[null,"S/000",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S/000"]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22",null,null,"Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","2023-06-01","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Fair value through profit or loss investments",4136148,4024490,3808137,3850762,4185638,5118994,6658680,6467471,8083128,6791288,6661600,5928538,4628870,4187000,4550783,4198661,null,"Fair value through profit or loss investments",4628870,4187000,4550783,4199334,4080266,4508563,5558973,4982661,4448122,4282606,4642905,4715343,5149628,4819230]
[null,"Fair value through other comprehensive income investments",27184560,26800577,26794192,26202723,28388372,32213665,40712831,43743889,45681969,40273400,33261505,34758443,35452509,32955721,34263930,30786663,null,"Fair value through other comprehensive income investments",35452509,32955721,34263930,30786161,33395987,33344169,35475821,37043940,38047888,39156806,39832274,40142638,41705253,37852722]
[null,"Amortized cost investments",3639821,3589360,3353898,3477046,4242643,4304385,4277475,4962382,5647635,7707956,8187351,8265559,8064050,8200054,8028557,10445730,null,"Amortized cost investments",8064050,8200054,8028557,10445729,10253251,10182619,10082119,10188927,10059376,8986734,8853694,8967877,8749729,8931495]
[null,"Total investments",34960529,34414427,33956227,33530531,36816653,41637044,51648986,55173742,59412732,54772644,48110456,48952540,48145429,45342775,46843270,45431054,null,"Total investments",48145429,45342775,46843270,45431224,47729504,48035351,51116913,52215528,52555386,52426146,53328873,53825858,55604610,51603447]
[null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]

{"sheet":"3.2. Funding","index":9,"n_rows":16,"n_cols":37,"rows_kept":16,"cut":false,"hidden":false,"merged":[[13,34,13,36],[3,2,4,17],[13,2,13,17],[3,19,3,32],[13,19,13,32]]}
[null,"Back to index"]
[]
[null,"(Under IFRS 4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Under IFRS 17)"]
[null,"Funding","As of",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"As of"]
[null,"S/000"]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22",null,"Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Deposits and obligations",103727257,103157044,107391720,112005385,119563545,129664332,137202674,142365502,148626339,149161803,152548368,149596545.19144967,147915964,147440576,152792014,147020787,null,147915964,147440576,152792014,147020787,148623300,143387717,148471535,147704994,147857127,151971984,154435451,161842066,157619082,154723334]
[null,"Due to banks and correspondents",7219120,9222278,8624286,8841732,9854630,8374009,6601722,5978257,5305933,6239161,7466434,7212946,6362990,6456360,9002035,8937411,null,6362990,6456360,9002035,8937411,10199650,10062290,10493411,12278681,10684673,12620346,12704234,10754385,10899579,11152813]
[null,"BCRP instruments",4984192,6304186,4144908,4381011,5346373,19441733,25344724,25734963,24303193,23329990,20746109,19692474,17532350,16031618,14449597,11297659,null,17532350,16031618,14449597,11297658.642349999,9780540,11772772,9616150,7461674,6854368,5542892,4788939,6646830,7064476,5096459]
[null,"Repurchase agreements",2324385,2455665,2031025,1820911,1935879,2091798,1204487,1072920,1159587,1276678.3399999999,1330810.794,1296277,1218028,1340423,1182946,976020,null,1856645,2107245,2125983,1669066.3576500006,1905955,2534108,2121870,2706753,2636908,2146797,2594165,2413880,3094138,6168934]
[null,"Bonds and notes issued",15472882,15058760,17160564,14946363,15178148,17250531,16425832,16319407,17863198,16951481,17577630,17823145.808550328,16044671,16579674,17019694,17007194,null,16044671,16579674,17019694,17007194,14326930,14235697,14914632,14594785,17541121,17953508,16952011,17268443,14391733,12112403]
[null,"Total funding",133727836,136197933,139352503,141995402,151878575,176822403,186779439,191471049,197258250,196959113.34,199669351.794,195621388,189074003,187848651,194446286,185239071,null,189712620,188615473,195389323,185932117,184836375,181992584,185617598,184746887,185574197,190235527,191474800,198925604,193069008,189253943]
[]
[null,"Funding Cost","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2022,2023,2024]
[null,"Funding Cost","-","-","-","-",2.1344714030259303E-2,1.8599999999999998E-2,1.7418283739758532E-2,1.3406565651278155E-2,1.4267388716350369E-2,1.1833309350734974E-2,1.2100009005603263E-2,1.2364526424176733E-2,1.328596109954434E-2,1.5875087242368528E-2,2.0658855915371057E-2,2.3580029720075963E-2,null,1.5335763146972461E-2,1.7995110926113542E-2,2.3047267323400827E-2,2.0589173077591387E-2,2.6071520653167396E-2,2.9092022636944138E-2,3.1524545748300305E-2,3.0303661540333707E-2,2.9764419246515274E-2,2.8569521527335467E-2,2.6756289462401682E-2,2.561960463545012E-2,2.4228006542671578E-2,2.443728790019014E-2,null,2.3398408445092934E-2,2.9101777774281492E-2,2.7350248574375898E-2]

{"sheet":"4.Net Interest Income","index":10,"n_rows":53,"n_cols":117,"rows_kept":53,"cut":false,"hidden":false,"merged":[[38,112,39,112],[38,113,39,113],[38,115,39,115],[38,116,39,116],[3,65,3,78],[3,80,3,82],[26,104,26,106],[37,104,37,106],[27,105,28,105],[27,106,28,106],[38,99,39,99],[38,100,39,100],[38,102,39,102],[38,103,39,103],[38,109,39,109],[38,110,39,110],[38,105,39,105],[38,106,39,106],[38,90,39,90],[38,91,39,91],[38,93,39,93],[38,94,39,94],[38,96,39,96],[38,87,39,87],[38,58,39,58],[38,61,39,61],[37,23,37,25],[37,26,37,28],[37,29,37,31],[37,32,37,34],[37,35,37,37],[37,38,37,40],[26,44,26,46],[26,47,26,49],[26,51,26,53],[26,54,26,56],[37,41,37,43],[37,44,37,46],[37,47,37,49],[37,51,37,53],[37,54,37,56],[37,57,37,59],[38,45,39,45],[38,48,39,48],[38,52,39,52],[38,55,39,55],[27,45,28,45],[27,48,28,48],[38,97,39,97],[38,81,39,81],[38,82,39,82],[38,84,39,84],[38,85,39,85],[38,88,39,88],[38,72,39,72],[38,73,39,73],[38,75,39,75],[38,76,39,76],[38,78,39,78],[38,79,39,79],[37,108,37,110],[37,111,37,113],[37,114,37,116],[37,77,37,79],[37,80,37,82],[37,83,37,85],[37,86,37,88],[37,89,37,91],[37,92,37,94],[37,95,37,97],[37,98,37,100],[37,101,37,103],[37,60,37,62],[37,64,38,64],[37,65,37,67],[37,68,37,70],[37,71,37,73],[37,74,37,76],[38,66,39,66],[38,67,39,67],[38,69,39,69],[38,70,39,70],[27,99,28,99],[27,81,28,81],[27,82,28,82],[27,78,28,78],[27,79,28,79],[27,84,28,84],[27,85,28,85],[27,87,28,87],[27,88,28,88],[27,113,28,113],[27,115,28,115],[27,116,28,116],[37,2,37,4],[37,5,37,7],[37,8,37,10],[37,11,37,13],[37,14,37,16],[37,17,37,19],[37,20,37,22],[27,100,28,100],[27,102,28,102],[27,103,28,103],[27,109,28,109],[27,110,28,110],[27,112,28,112],[27,90,28,90],[27,91,28,91],[27,94,28,94],[27,52,28,52],[27,55,28,55],[27,58,28,58],[27,96,28,96],[27,97,28,97],[26,60,26,62],[26,64,27,64],[26,65,26,67],[26,68,26,70],[26,71,26,73],[26,74,26,76],[27,66,28,66],[27,67,28,67],[27,69,28,69],[27,70,28,70],[27,72,28,72],[27,73,28,73],[27,75,28,75],[27,76,28,76],[27,61,28,61],[26,108,26,110],[26,111,26,113],[26,114,26,116],[26,77,26,79],[26,80,26,82],[26,83,26,85],[26,86,26,88],[26,89,26,91],[26,92,26,94],[26,95,26,97],[26,98,26,100],[26,101,26,103],[26,57,26,59],[26,23,26,25],[26,26,26,28],[26,29,26,31],[26,32,26,34],[26,35,26,37],[26,38,26,40],[3,2,3,17],[26,2,26,4],[26,5,26,7],[26,8,26,10],[26,11,26,13],[26,14,26,16],[26,17,26,19],[26,20,26,22],[26,41,26,43],[3,19,3,22]]}
[null,"Back to index"]
[]
[null,"(Under IFRS 4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Under IFRS 17)"]
[null,"Net interest income ","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net interest income ","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"S/ 000","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"2019","2020","2021",2022,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S/ 000","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2022,2023,2024]
[null,"Interest income ",3001674,3083623,3123672,3172695,3163609,2727369,2953570,2703100,2816073,2891579,3051000,3091754,3172346,3488113,3988681,4362571,null,12381664,11547648,11850406,15011711,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest and similar income",3172346,3488113,3988684,4362139,4456106,4653246,4819101,4870042,4925926,4935238,4995971,5012121,4894790,4922292,null,15011282,18798495,19869256]
[null,"Interest on loans",2562286,2632649,2701117,2768468,2770351,2353285,2578362,2325836,2432761,2476187,2607349,2654383,2685552,2929782,3288864,3515083,null,10664520,10027834,10170680,12419281,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest on loans",2685552,2929782,3288864,3515083,3570952,3712845,3853361,3907705,3868792,3921374,3924222,3940002,3847640,3840725,null,12419281,15044864,15654390]
[null,"Dividends on investments",9667,8914,2915,3764,7879,4867,8871,3987,3221,11536,19668,6212,4320,13682,7498,3726,null,25260,25603,40637,29226,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Dividends on investments",4320,13682,7499,3725,6477,17492,10464,11647,10861,10136,13187,15285,25109,22923,null,29226,46080,49469]
[null,"Interest on deposits with banks",86699,85477,79723,68813,49113,9264,7981,8456,7896,6076,12185,23480,35351,47784,139077,236319,null,320712,74814,49637,458531,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest on deposits with banks",36834,50526,141896,238132,277371,286459,289934,279446,334459,319829,365361,386205,344622,342323,null,467388,1133211,1405854]
[null,"Interest on securities ",332788,341930,325311,311414,322734,350617,347309,351502,362964,382140,385874,395815,428456,482872,543325,559041,null,1311443,1372163,1526793,2013694,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest on securities ",438023,483936,533971,560287,585268,618952,641370,643737,683075,657897,667195,652155,657872,647186,null,2016217,2489327,2660322]
[null,"Other interest income",10234,14653,14606,20236,13532,9336,11047,13319,9231,15640,25924,11864,18667,13993,9917,48402,null,59729,47234,62659,90979,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other interest income",7617,10187,16454,44912,16038,17498,23972,27507,28739,26002,26006,18474,19547,69135,null,79170,85013,99220]
[null,"Interest expense",804506,831220,847272,807645,784309,766241,791665,634540,692690,582537,599901,614520,638256,748085,987255,1119137,null,3289913,2976306,2490802,3493358,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest and similar expenses",-740639,-851007,-1106283,-1221735,-1324017,-1449090,-1565058,-1522358,-1499803,-1466774,-1405221,-1382327,-1322778,-1306921,null,-3919664,-5860523,-5754125]
[null,"Interest on deposits ",353834,364997,372822,367257,364107,320169,258838,245221,222643,210275,209564,222992,258939,336953,510116,582237,null,1458910,1188335,865474,1688245,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest on deposits ",258939,336953,510116,582237,677088,777436,859659,827124,779526,738010,677509,655429,619613,541014,null,1688245,3141307,2850474]
[null,"Interest on borrowed funds",145303,152832,151221,141552,137126,157819,143739,118457,112228,101265,110308,111625,116231,141531,185891,239596,null,590908,557141,435426,683249,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest on borrowed funds",116231,141531,185891,239425,238933,296854,325619,297260,264884,267285,262319,286638,266202,265710,null,683078,1158666,1081126]
[null,"Interest on bonds and subordinated notes",226498,227869,236567,209238,198114,199347,301347,185104,266971,178664,189055,184797,165496,176941,188502,188983,null,900172,883912,836978,728218,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest on bonds and subordinated notes",179609,166118,211719,170772,182898,148992,149449,152960,196630,200739,200801,201053,168024,193125,null,728218,634299,799223]
[null,"Other interest expense",78871,85522,86662,89598,84962,88906,87741,85758,90848,92333,90974,95106,97590,92660,102746,108321,null,339923,346918,352924,393646,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other interest expense",84102,102445,80567,126532,109348,110642,113866,125581,136759,136054,136014,107119,133317,168017,null,393646,459437,515946]
[null,"Net interest income",2197168,2252403,2276400,2365050,2379300,1961128,2161905,2068560,2123383,2309042,2451099,2477234,2534090,2740028,3001426,3243434,null,9091751,8571342,9359604,11518353,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Financial result of the insurance and reinsurance activity, net",101758,103960,117990,102769,115750,115166,116465,119433,122004,124686,128578,132088,135622,139055,null,426477,466814,507356]
[null,"Risk-adjusted Net interest income",1813957,1804109,1773628,1853391,1037819,-579329,2179853.3576799999,2161800,1565736,1945662,2286685,2350452,2276500,2376737,2541450,2512753,null,7245815,2650834,8147381,9706815,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net interest, similar income and expenses",2431707,2637106,2882401,3140404,3132089,3204156,3254043,3347684,3426123,3468464,3590750,3629794,3572012,3615371,null,11091618,12937972,14115131]
[null,"Average interest earning assets",162988747,164668086,168631427,172401759,177868854,194719984,213481060,222098498,227812455.5,230237852.5,231912063.5,233016361.5,228195288.5,223529737,226137887,226372623.5,null,168409014,199243132.5,228157276,227256116,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Risk-adjusted Net interest income",2174117,2273815,2422425,2409723,2405091,2399905,2336401,2174230,2611424,2375093,2722669,2886498,2990119,3040212,null,9280080,9315627,10595684]
[null,"Net interest margin (1)",5.3921955728636894E-2,5.4713771313282894E-2,5.3997052399965752E-2,5.4866207348586216E-2,5.3506838246115872E-2,4.0286116703871548E-2,4.0507668455459236E-2,3.7254821957418187E-2,3.7283000972701423E-2,4.0115766802506989E-2,4.227635187248463E-2,4.2524636193840837E-2,4.4419672582328533E-2,4.9032008658427405E-2,5.3090192710609344E-2,5.7311417782813304E-2,null,5.3986130457363758E-2,4.3019510346234892E-2,4.10225970615112E-2,5.0684457706740002E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Average interest earning assets",227279808.5,222718971,225371577,225604595.5,222289504,220651687.5,220724334,223624217,225297538,227161178.5,231316507,237518087,238435116.5,233761957,null,226384489,223318736.5,232646024]
[null,"Risk-adjusted Net interest margin (1)",4.4517355544797209E-2,4.3824132382275942E-2,4.2071114063453902E-2,4.2995209798670227E-2,2.3338970857708457E-2,-1.1900761043612247E-2,1.6038893567419985E-2,2.405950534613701E-2,2.7491666275464028E-2,3.3802643290377285E-2,3.944055286283113E-2,4.034827399877669E-2,3.9904417220252994E-2,4.2531021275258783E-2,4.4953988625532702E-2,4.4400298254263067E-2,null,4.3025101969898116E-2,1.3304518789374083E-2,3.5709494533060604E-2,4.2713107883969995E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net interest margin (1)",4.4587594766474822E-2,4.9229142675951028E-2,5.3252340688905948E-2,5.7501896055127122E-2,5.8443407206486907E-2,6.0173063484955221E-2,6.1080859349200711E-2,6.2016843193686846E-2,6.2994509953322259E-2,6.3270494082244777E-2,6.4315825069933288E-2,6.3353187919537257E-2,6.2199462133338906E-2,6.4243575784232509E-2,null,5.0900000000000001E-2,6.002535304510824E-2,6.2852941772174875E-2]
[null,"Net provisions for loan losses / Net interest income",0.17441133313428922,0.19902921457660996,0.22086276577051484,0.21634172639056257,0.56381330643466565,1.2954060112343508,0.60405290704263137,0.35419083807092855,0.26262195750837225,0.1573726246642547,6.7077665977588019E-2,5.1178855126322344E-2,0.10164990193718455,0.13258660130480418,0.153252487317695,0.22528005811124877,null,0.20303415700671962,0.69073290973572166,0.12951648381705039,0.15727404777401768,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Risk-adjusted Net interest margin (1)",4.0054152016763954E-2,4.2704489686242311E-2,4.5088471826240983E-2,4.4546823072139058E-2,4.5361404018428149E-2,4.559350582804856E-2,4.4451211256118228E-2,4.1027095021645171E-2,4.8530099782981208E-2,4.4017714937149788E-2,4.9304687105620179E-2,5.0835471742410925E-2,5.2437594694655643E-2,5.4401786172589235E-2,null,4.2900000000000001E-2,4.3804837665289226E-2,4.7725036555965383E-2]
[null,"(1) Annualized",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net provisions for loan losses / Net interest income",0.10592970287949988,0.13776124281693644,0.15958084943767367,0.23267101939750426,0.23211281671753262,0.25100244807056837,0.28200057589896632,0.35052711068308717,0.23779035370300483,0.31523204507816716,0.24175478660446981,0.2047763592093656,0.16290342809598624,0.1590871310302594,null,0.1633,0.27997780486771806,0.24933859983304441]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(1) Annualized. For further detail on the NIM calculation due to IFRS17, please refer to Annex 12.7 of the Earnings Release."]
[]
[null,"Interest Income / IEA","1Q19",null,null,"2Q19",null,null,"3Q19",null,null,"4Q19",null,null,"1Q20",null,null,"2Q20",null,null,"3Q20",null,null,"4Q20",null,null,"1Q21",null,null,"2Q21",null,null,"3Q21",null,null,"4Q21",null,null,"1Q22",null,null,"2Q22",null,null,"3Q22",null,null,"4Q22",null,null,null,"2019",null,null,"2020",null,null,"2021",null,null,"2022",null,null,null,"Interest Income / IEA","1Q22",null,null,"2Q22",null,null,"3Q22",null,null,"4Q22",null,null,"1Q23",null,null,"2Q23",null,null,"3Q23",null,null,"4Q23",null,null,"1Q24",null,null,"2Q24",null,null,"3Q24",null,null,"4Q24",null,null,"1Q25",null,null,"2Q25",null,null,null,2022,null,null,2023,null,null,2024]
[null,"S/ millions","Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average",null,null,"Average","Income",null,"Average","Income",null,null,"Average","Income",null,"Average","Income",null,"Average","Income",null,"Average","Income",null,null,null,"Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields","Average","Income","Yields",null,"Average","Income","Yields","Average","Income","Yields","Average","Income","Yields"]
[null,null,"Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance","Income","Yields","Balance",null,"Yields","Balance",null,"Yields",null,"Balance",null,"Yields","Balance",null,"Yields","Balance",null,"Yields","Balance",null,"Yields",null,"S/ millions","Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,"Balance",null,null,null,"Balance",null,null,"Balance",null,null,"Balance"]
[null,"Cash and equivalents",14919,86,2.305784570011395E-2,16297,85,2.0862735472786404E-2,18874,80,1.695454063791459E-2,20034,68,1.3576919237296595E-2,19674,49,9.9623869065772093E-3,24484,10,1.6337199803953602E-3,28826,8,1.1101089294387012E-3,28399,9,1.2676502693756823E-3,30235.815500000001,7.895999999999999,1.0445889908277815E-3,30485.361499999999,6.0759999999999996,7.9723509265258339E-4,26697.488499999999,47.784000000000006,7.159325117791512E-3,34271.316500000001,23.48,2.7404841596908014E-3,30979.46,35.350999999999999,4.5644436668683059E-3,26697.488499999999,47.784000000000006,7.159325117791512E-3,26580.773499999999,139.077,2.0928962055976288E-2,28113.648999999998,236.31899999999999,3.3623383432011975E-2,null,17271,321,1.8586069133229112E-2,24193,74,3.058735998015955E-3,30485.895,49.637,1.6281955966849586E-3,29646.311999999998,458.53099999999995,1.5466713026564653E-2,null,"Cash and equivalents",30979.46,35.350999999999999,4.5644436668683059E-3,26697.488499999999,47.784000000000006,7.159325117791512E-3,26580.773499999999,141.89600000000002,2.135317845434408E-2,28113.648999999998,238.13199999999998,3.3881336428437304E-2,27528.0785,277.37100000000004,4.0303721162376085E-2,27097.9175,286.459,4.228502061090119E-2,25472.364999999998,289.93400000000003,4.5529184274801349E-2,25321.046000000002,279.44600000000003,4.4144463858246615E-2,28556,334,4.6785264042582993E-2,29146.236499999999,319.82900000000001,4.3893008279130653E-2,32083,365.13600000000002,4.550696630614344E-2,38564,386,4.003734052484182E-2,38821,345,3.5547770536565264E-2,35864,342,3.8144099933080523E-2,null,29647,468,1.5785745606638108E-2,26438,1133,4.2854981466071564E-2,33050,1406,4.2541603630862332E-2]
[null,"Other IEA",4603,10,8.6899847925266133E-3,4819,15,1.245071591616518E-2,4778,14,1.1720385098367517E-2,4715,20,1.6967126193001062E-2,4947,13,1.051142106327067E-2,4283,9,8.4053233714685965E-3,3567,11,1.233529576675077E-2,3384,13,1.5366430260047281E-2,2937.8409999999999,9.2309999999999999,1.2568413334826493E-2,2598.3074999999999,15.64,2.40772118003739E-2,2592.2979999999998,13.993,2.1591653428733891E-2,3139.2285000000002,11.864000000000001,1.5117090074838451E-2,2557.402,18.667000000000002,2.9196817707970824E-2,2592.2979999999998,13.993,2.1591653428733891E-2,2582.8979999999997,9.9169999999999998,1.5357942899797051E-2,2112.5245,48.401999999999994,9.1647694500111107E-2,null,4756,59,1.2405382674516401E-2,4063,47,1.1567807039133645E-2,2985.8010000000004,62.659000000000006,2.09856584547999E-2,2312.3434999999999,90.550000000000011,3.9159406896077512E-2,null,"Other IEA",1641.9014999999999,18.667000000000002,4.5476540462384626E-2,1781.5319999999999,13.993,3.1417903242826964E-2,1816.5879999999997,16.454000000000001,3.62305597086406E-2,1344.4114999999999,44.911999999999999,0.13362575372198171,1285.018,16.038,4.9923036097548827E-2,1665.7114999999999,17.498000000000001,4.2019281250084431E-2,1688.4324999999999,23.972000000000001,5.6791136157353053E-2,1462.1345000000001,27.506999999999998,7.5251626987804465E-2,1469,28,7.6242341729067395E-2,1651.8615,26.001999999999999,6.2964116543669069E-2,1598,26.120999999999999,6.5081351689612016E-2,1227,18,5.8679706601466992E-2,1434,19,5.2998605299860529E-2,3215,69,8.5847589424572324E-2,null,1434,79,5.5090655509065549E-2,1257,85,6.7621320604614163E-2,1222,100,8.1833060556464818E-2]
[null,"Investments",33912,343,4.0457655107336635E-2,34688,351,4.0475092250922509E-2,34186,328,3.8378283507868718E-2,33743,315,3.7341078149542128E-2,35174,331,3.7641439699778248E-2,39227,356,3.6301527009457768E-2,46644,356,3.0529114141154275E-2,53411,356,2.6661174664394976E-2,57293.237000000001,366.18500000000006,2.556567016801652E-2,57092.688000000009,393.67599999999999,2.7581535484894313E-2,46744.102000000006,496.55399999999997,4.2491264459417782E-2,48531.477500000008,402.02700000000004,3.3135360447247866E-2,48548.964000000007,432.77600000000001,3.5656867981776086E-2,46744.102000000006,496.55399999999997,4.2491264459417782E-2,46093.022500000006,550.82299999999998,4.7800987665757862E-2,46137.162000000004,562.76700000000005,4.8790777378114415E-2,null,33197,1337,4.0274723619604179E-2,44352,1398,3.1520562770562768E-2,52063.141000000003,1567.4300000000003,3.0106328006602602E-2,47191.881999999998,2042.9199999999998,4.328964884257E-2,null,"Investments",48548.984500000006,432.77600000000001,3.5656852925523085E-2,46744.102000000006,496.55399999999997,4.2491264459417782E-2,46093.022500000006,541.46999999999991,4.6989324685748249E-2,46137.247000000003,564.01199999999994,4.8898626309454477E-2,46580.364000000001,591.74499999999989,5.0814974309775669E-2,47882.427500000005,636.44399999999996,5.3167229251273852E-2,49576.131999999998,651.83400000000006,5.2592566116291616E-2,51666.220499999996,655.38400000000001,5.0739844614722696E-2,52385,694,5.2992268779230696E-2,52490.765999999996,668.0329999999999,5.0906706143324328E-2,52877,680.61400000000003,5.1515781908958523E-2,53578,667,4.97965582888499E-2,54715,683,4.9931463035730601E-2,53604,670,4.999626893515409E-2,null,47192,2046,4.3354805899304967E-2,48823,2536,5.1942731909141185E-2,53021,2710,5.1111823617057392E-2]
[null,"Loans",109555,2562,9.3542056501300722E-2,108866,2633,9.6742784707805923E-2,110796,2701,9.7512545579262783E-2,113909,2769,9.7235512558270204E-2,118159,2770,9.3771951353684449E-2,126725,2353,7.4271059380548426E-2,134445,2578,7.6700509502026851E-2,136904,2326,6.796003038625606E-2,137345.56200000001,2432.761,7.0850807687546535E-2,140061.49550000002,2476.1869999999999,7.0717137244903958E-2,147495.84850000002,2929.7820000000002,7.9453951546304025E-2,147074.31900000002,2654.3829999999998,7.2191610827720354E-2,146109.46250000002,2685.5520000000001,7.3521644773691497E-2,147495.84850000002,2929.7820000000002,7.9453951546304025E-2,150881.193,3288.8639999999996,8.7190827023749723E-2,150009.288,3515.0829999999996,9.3729742920984987E-2,null,113184,10665,9.4227099236641215E-2,126635,10028,7.918821810715837E-2,142628.64850000001,10170.68,7.1308815633908215E-2,148111.89299999998,12419.280999999999,8.3850666873861376E-2,null,"Loans",146109.46249999999,2685.5520000000001,7.3521644773691511E-2,147495.84850000002,2929.7820000000002,7.9453951546304025E-2,150881.193,3288.8639999999996,8.7190827023749723E-2,150009.288,3515.0829999999996,9.3729742920984987E-2,146896.0435,3570.9520000000002,9.7237527027063883E-2,144005.63099999999,3712.8449999999998,0.10313055049909819,143987.4045,3853.3609999999999,0.10704716883760482,145052.65549999999,3907.7049999999999,0.10775962664123719,142887,3869,0.10830936334306129,143872.31450000001,3921.3740000000003,0.10902372742463944,144757,3923.9700000000003,0.10842998956872552,144150,3940,0.10933055844606313,143464,3848,0.1072882395583561,141079,3841,0.10890352214007755,null,148112,12420,8.3855460732418716E-2,146801,15045,0.10248567789047759,145354,15655,0.10770257440455715]
[null,"Total IEA",162989,3001,7.3649141966635787E-2,164670,3084,7.4913463290216795E-2,168634,3123,7.4077588149483495E-2,172401,3172,7.359586081287231E-2,177954,3163,7.1097025073895495E-2,194719,2728,5.6039729045444978E-2,213482,2953,5.5330191772608464E-2,222098,2704,4.8699222865581863E-2,227812.45550000001,2816.0730000000003,4.944546151033432E-2,230237.85250000004,2891.5789999999997,5.0236378920360182E-2,223529.73700000002,3488.1130000000003,6.2418773391211033E-2,233016.34150000001,3091.7539999999999,5.307359956125652E-2,228195.28850000002,3172.346,5.5607563518998766E-2,223529.73700000002,3488.1130000000003,6.2418773391211033E-2,226137.88699999999,3988.6809999999991,7.0553078087264506E-2,226372.62349999999,4362.5709999999999,7.7086547525920243E-2,null,168408,12382,7.3523823096289964E-2,199243,11547,5.795435724216158E-2,228163.48550000001,11850.405999999999,5.1938223042266765E-2,227262.43049999999,15011.281999999999,6.6052633367396821E-2,null,"Total IEA",227279.80849999998,3172.346,5.5831550034062975E-2,227279.80849999998,3488.1130000000003,6.2645997048899796E-2,225371.57699999999,3988.6839999999997,7.0793026398355455E-2,225604.5955,4362.1389999999992,7.7341314618744092E-2,222289.50400000002,4456.1059999999998,8.0185630357068036E-2,220651.6875,4653.2459999999992,8.4354596200402934E-2,220724.334,4819.1009999999997,8.7332482335182843E-2,223502.05650000001,4870.0419999999995,8.7158786389063936E-2,225297,4925,8.7440134577912706E-2,227162.22949999999,4936,8.6915945448622564E-2,231315,4995.8410000000003,8.6393013855564929E-2,237519,5011,8.4389038350616161E-2,238434,4895,8.2119160857931334E-2,233762,4922,8.4222414250391425E-2,null,226385,15013,6.6316231199063547E-2,223319,18799,8.4180029464577574E-2,232647,19871,8.5412663821153936E-2]
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[]
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[null,"Bonds and Notes",15465,227,5.8713223407694796E-2,15265,228,5.9744513593187026E-2,16110,236,5.8597144630664184E-2,16053,209,5.2077493303432379E-2,15062,198,5.2582658345505247E-2,16214,199,4.9093376094732945E-2,16838,302,7.1742487231262614E-2,16372,185,4.5199120449548005E-2,17091.302499999998,266.971,6.248113623873898E-2,17407.339500000002,178.66399999999999,4.1054866540633617E-2,17264,189,4.3790546802594997E-2,17328.228999999999,184.797,4.2658023506037458E-2,16561.749500000002,165.49600000000001,3.9970656481671814E-2,16312.172500000001,176.941,4.3388702516479638E-2,16799.684000000001,188.50299999999999,4.4882510885323787E-2,17013.358500000002,188.983,4.4431674087159215E-2,null,15202,900,5.9202736482041836E-2,15633,884,5.6547047911469327E-2,16699.1175,836.97800000000007,5.0121091728350317E-2,17042.925500000001,728.21799999999985,4.2728462317106287E-2,null,"Bonds and Notes",16933.908404275164,173.791,4.1051597977493352E-2,16312.172500000001,166.11799999999999,4.0734733524918278E-2,16799.684000000001,211.71899999999999,5.0410233906780622E-2,17013.444,170.68,4.0128265623350569E-2,15660.112000000001,182.898,4.6716907260944233E-2,14274.363499999999,148.99199999999999,4.1750933412897887E-2,14575.164499999999,149.44900000000001,4.1014700039920651E-2,14754.708500000001,152.96,4.1467440715619697E-2,16068,197,4.904157331341797E-2,17747,200,4.5078041359102948E-2,17453,201,4.6066578811665614E-2,17110,201,4.6990064289888951E-2,15830,168,4.2451042324699935E-2,13252,193,5.825535768185934E-2,null,17415,728,5.5737391137907932E-2,15801,634,4.0124042782102395E-2,15931,800,5.021655891030067E-2]
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[]
[null,"NIM(1)",162989,2196,5.3893207517071703E-2,164670,2249,5.4630473067346814E-2,168634,2280,5.4081620551015806E-2,172401,2363,5.4825668064570392E-2,177954,2379,5.3474493408408916E-2,194719,1964,4.034531812509308E-2,213482,2160,4.0471796217011267E-2,222098,2070,3.7280839989554164E-2,227812.45550000001,2123.3830000000003,3.728300097270143E-2,230237.85250000004,2309.0419999999995,4.0115766802506968E-2,223529.73700000002,2453,4.227635187248463E-2,233016.34150000001,2477.2339999999999,4.2524639843768204E-2,228195.28850000002,2534.09,4.4419672582328533E-2,223529.73700000002,2740.0280000000002,4.9032008658427405E-2,226137.88699999999,3001.4259999999995,5.3090192710609337E-2,226372.62349999999,3243.4339999999997,5.7311417782813297E-2,null,168408,9092,5.3987934064890032E-2,199243,8571,4.3017822458003542E-2,228157.25599999999,9359.6039999999994,8.2045201315008795E-2,227256.11600000001,11518.352999999999,0.10136891541347999,null,"NIM(1)",227279.80849999998,2533.4650000000001,4.4587594766474829E-2,222718.97100000002,2637.1060000000007,4.7362036348488706E-2,225371.57699999999,2882.4013516399996,5.1158205307140388E-2,225604.5955,3139.9267248060773,5.5671325627869625E-2,222289.50400000002,3132.0889999999999,5.6360537832681468E-2,220651.6875,3204.155999999999,5.8085320557541606E-2,220724.334,3254.0429999999992,5.897026288003205E-2,223502.05650000001,3347.6839999999993,5.9913256323885312E-2,225297,3424,6.0790867166451393E-2,227162.22949999999,3469,6.108409849006171E-2,231315,3590.5380000000005,6.2089151157512491E-2,237519,3629,6.1115110791136712E-2,238434,3572,5.9924339649546625E-2,233762,3616,6.1874898400937704E-2,null,226385,11094,6.5340018110740555E-2,223319,12938,5.7935061503947269E-2,232647,14117,6.0679914204782352E-2]
[null,"NIM (LC)",0.54134941621827237,0.82468123861566489,8.2099870798105046E-2,0.54305580858687075,0.82836816362827925,8.3332401453732177E-2,0.53896011480484363,0.82061403508771935,8.2344009594331427E-2,0.5421546278733882,0.69614896318239528,7.0398425129456071E-2,0.54479247445969181,0.82345523329129888,8.0826835004332215E-2,0.56011483214272872,0.79429735234215881,5.721358822720396E-2,0.58819478925623703,0.86388888888888893,5.9441422644123949E-2,0.61054129258255363,0.89130434782608692,5.442477876106195E-2,0.61313832333456419,0.86917197698201387,5.2851597151892582E-2,0.59880914021294562,0.8254206722961297,5.5297057075689923E-2,0.58614820452278338,0.82322133867297886,6.0505431152401604E-2,0.5622718546544514,0.83187902313628848,6.2915039334836692E-2,0.57806321448218689,0.85136557896522991,6.5420838617755411E-2,0.58614820452278338,0.83670531833981232,6.9991415305606874E-2,0.56954607080059971,0.80685447517280129,7.521087717474334E-2,0.56370604151256842,0.77967025072808616,7.926827846728314E-2,null,0.54084722816018238,0.79124505059392869,7.8982905701393241E-2,0.5872577706619555,0.8434255046085638,6.1782628389754457E-2,0.59154976863852204,0.83658154768086335,5.8014984651139599E-2,0.56631574879155289,0.81613716822188032,7.3043121039648259E-2,null,"NIM (LC)",0.58038439433127198,0.85157560889927408,6.5421655946425267E-2,0.58826566462539909,0.84570699850517916,6.808897410131827E-2,0.57146722410341932,0.80686265244662958,7.2230993288004308E-2,0.56559753012655278,0.78737540494635838,7.7500749606060834E-2,0.56850964047317321,0.77434804694247206,7.676681148105105E-2,0.57304274638733499,0.76431078886296433,7.7472819360468528E-2,0.57656920373808895,0.76808112246826499,7.8557691620516734E-2,0.5756785217768231,0.77169171283789051,8.0313163762949405E-2,0.5801763893882298,0.77832943925233644,8.1553338637615519E-2,0.5741897752416627,0.7685211876621505,8.1757680026775484E-2,0.5568510472731989,0.7677671145661179,8.5606390907397065E-2,0.54736252678733066,0.76054009368972164,8.4917198040135686E-2,0.55626714310878478,0.76847704367301228,8.2784827305421721E-2,0.56537418399911021,0.77986725663716816,8.5349152183288812E-2,null,0.56847405967709874,0.82224625923922845,9.4508420490983777E-2,0.57408908332922859,0.76967073736280722,7.7672477672477674E-2,0.56188990186849608,0.76864772968761064,8.3008215908569327E-2]
[null,"NIM (FC)",0.45865058378172763,0.17531876138433522,2.060062872048693E-2,0.45694419141312931,0.1716318363717208,2.0519635856203075E-2,0.46103988519515637,0.17938596491228076,2.1042612576691069E-2,0.4578453721266118,0.30385103681760472,3.6385288789226304E-2,0.45520752554030819,0.17654476670870115,2.0739204503370121E-2,0.43988516785727122,0.20570264765784108,1.8866602844000276E-2,0.41180521074376292,0.1361111111111111,1.3376861215064893E-2,0.38945870741744637,0.10869565217391304,1.040486485236653E-2,0.38686167666543581,0.13082802301798596,1.260828250417385E-2,0.40119085978705427,0.17457932770387027,1.7456488421556237E-2,0.41385179547721651,0.17677866132702108,1.7593167442974796E-2,0.43772814534554866,0.16812097686371177,1.6332703453802559E-2,0.42193678551781311,0.14863442103476984,1.5647586423937692E-2,0.41385179547721651,0.16329468166018737,1.9346699307670974E-2,0.43045392919940045,0.19314552482719882,2.3821673909074054E-2,0.43629395848743169,0.22032974927191371,2.8942436778823532E-2,null,0.45915277183981756,0.20875494940607128,2.4545748464274167E-2,0.4127422293380445,0.15657449539143622,1.6318887105403961E-2,0.40845023136147812,0.16341845231913665,1.641289291772359E-2,0.43368425120844711,0.18386283177811968,2.1487955569362966E-2,null,"NIM (FC)",0.41961560566872796,0.14842439110072567,1.5771307154587862E-2,0.4117343353746008,0.15429300149482039,1.7748412306849599E-2,0.42853277589658079,0.19313734755337064,2.3056719659166447E-2,0.43440246987344722,0.21262459505364181,2.7249138503226432E-2,0.43149035952682674,0.22565195305752808,2.9474274816391529E-2,0.42695725361266496,0.23568921113703584,3.2064295113881487E-2,0.42343079626191105,0.23191887753173518,3.229882496885976E-2,0.42432147822317684,0.22830828716210977,3.2236626311940367E-2,0.41982361061177026,0.22167056074766356,3.2098112808584871E-2,0.42581022475833735,0.23147881233784953,3.3206517244231244E-2,0.4431489527268011,0.23223288543388199,3.2537914483888902E-2,0.45263747321266928,0.2394599063102783,3.2331876104548414E-2,0.44373285689121517,0.23152295632698769,3.1266245120556514E-2,0.43462581600088979,0.22013274336283187,3.1338891130818218E-2,null,0.43152594032290126,0.17775374076077158,2.6914795972334538E-2,0.42591091667077141,0.23032926263719278,3.1330824063755071E-2,0.43811009813150398,0.23135227031238931,3.204316899681138E-2]
[]
[null,"(1) Unlike the NIM figure calculated according to the formula in Appendix 12.8, the NIM presented in this table includes “Financial Expense associated with the insurance and reinsurance activity, net”.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(1) Unlike the NIM figure calculated according to the formula in Appendix 12.7, the NIM presented in this table includes “Financial Expense associated with the insurance and reinsurance activity, net”."]

{"sheet":"5.Provisions","index":11,"n_rows":10,"n_cols":35,"rows_kept":10,"cut":false,"hidden":false,"merged":[[3,2,3,21],[3,29,3,34]]}
[null,"Back to index"]
[]
[]
[null,"Loan Portfolio Provisions","Quarter ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"S/ 000","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,"2019","2020","2021","2022","2023","2024"]
[null,"Gross provision for credit losses on loan portfolio",-453285,-510045,-568034,-568727,-1388711,-2557658,-1348726,-785194,-622982,-441007,-265158,-229804,-350681,-447036,-545249,-815589,-802107,-886123,-1008750,-1260163,-910189,-1193548,-981870,-857694,-695733,-683965,null,-2100091,-6080289,-1558951,-2158555,-3957143,-3943301]
[null,"Recoveries of written-off loans",70074,61751,65262,57067,47230,17201,42821,52529,65335,77627,100744,103022,93091,83745,85273,84908,75109,81872,91108,86709,95490,100177,113789,114398,113840,108806,null,254154,159781,346728,347017,334798,423854]
[null,"Provision for credit losses on loan portfolio, net of  recoveries",-383211,-448294,-502772,-511660,-1341481,-2540457,-1305905,-732665,-557647,-363380,-164414,-126782,-257590,-363291,-459976,-730681,-726998,-804251,-917642,-1173454,-814699,-1093371,-868081,-743296,-581893,-575159,null,-1845937,-5920508,-1212223,-1811538,-3622345,-3519447]
[null,"Cost of risk (1)",1.3991562056013073E-2,1.6471442509236846E-2,1.8151341656016683E-2,1.7967193166275736E-2,4.5412703179341325E-2,8.0187954846441548E-2,3.8853149073200005E-2,2.2685901217021895E-2,1.6240699499267403E-2,1.0377727260523217E-2,4.5411492765414117E-3,3.5555830145863015E-3,7.051973105437986E-3,9.7538391389377782E-3,1.2194389263610873E-2,1.9483620240901351E-2,1.9796258161303031E-2,2.2339431990683754E-2,2.5492285333888354E-2,3.2359393792690684E-2,2.2806794683524437E-2,3.0398371050046603E-2,2.3987151132939484E-2,2.0625550392534459E-2,1.6224032126925483E-2,1.630739452429425E-2,null,1.6309092122475444E-2,5.121117929926957E-2,8.4991550628063343E-3,1.2230874667168018E-2,2.4675170853919206E-2,2.4212908330756983E-2]
[null,"(1) Provisions for credit losses on loan portfolio, net of annualized recoveries / Average Total Loans."]

{"sheet":"6.1.Other Core Income","index":12,"n_rows":25,"n_cols":35,"rows_kept":25,"cut":false,"hidden":false,"merged":[[24,1,24,6],[2,2,2,21],[9,2,9,21],[2,29,2,34],[9,29,9,34],[7,1,7,6],[22,1,22,6],[23,1,23,6]]}
[null,"Back to index"]
[]
[null,"Other Core Income (1)","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"(S/ 000)","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,"2019","2020","2021","2022","2023","2024"]
[null,"Fee income",782922,787250,815403,847206,760329,503488,775805,873156,830771,862411,876391,924161,891628,920950,934984,895295,881781,960550,975955,986173,856565,947228,982818,973338,994024,1024553,null,3232781,2912778,3493734,3642857,3804459,3759949]
[null,"Net gain on foreign exchange transactions ",178423,188358,188073,193528,166983,149308,155028,151464,179889,238440,246649,263017,259710,269059,262167,293215,248515,210944,208620,218047,305370,349349,319857,385230,343814,377016,null,748382,622783,922917,1084151,886126,1359806]
[null,"Total other income Core",961345,975608,1003476,1040734,927312,652796,930833,1024620,1010660,1100851,1123040,1187178,1151338,1190009,1197151,1188510,1130296,1171494,1184575,1204220,1228770,1366726,1281312,1327461,1337838,1401569,null,3981163,3535561,4416651,4726265,4690585,5119755]
[null,"(1) Beginning in 1Q25, accounting reclassifications have been incorporated affecting Fee Income, Net Gain on Foreign Exchange Transactions, and Net Gain on Derivatives Held for Trading. Prior periods have been restated for comparability and may differ from previously reported figures."]
[]
[null,"Fee Income by Subsidiary","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"(S/ 000)","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,"2019","2020","2021","2022","2023","2024"]
[null,"BCP Stand-Alone (1)",595712.47250000003,600784.45802999998,622749.54807000002,640298.36724999966,578583,379049,568394,636331,614423,637821,669583,719474,706861,727644,761968,741992,698207,723230,757688,748270,704628,742354,804058,809060,831427,853720,null,2459544.8458499997,2162357,2641301,2938465,2927395,3060101]
[null,"BCP Bolivia (2)",21974.878371857601,27033.628882905701,31827.258070751501,27268.932768231491,26350,24070,30190,35041,34532,30559,30494,26852,26244,25469,26296,24479,50134,95027,84941,104959,14868,21115,18380,14197,12844,14552,null,108104.69809374629,115651,122437,102488,335061,68560]
[null,"Mibanco",36605.218959999991,35170.076740000011,38384.492580000006,39560.043160000001,23533,639,3639,57091,17647,10726,18583,29776,24746,25381,22028,24799,28691,30984,26550,24402,24173,21773,18412,24108,28339,27633,null,149719.83144000001,84902,76732,96954,110627,88466]
[null,"Mibanco Colombia",null,null,null,2471.3629164475001,6475,4269,6151,11088,5436,5986,7463,8042,8530,9809,10230,9365,9074,10724,12670,10082,11250,11042,12333,11356,9126,12395,null,2471.3629164475001,27983,26927,37934,42550,45982]
[null,"Pacífico ",-1833.40599,-2302.6425499999996,-3131.33493,-3218.8144900000016,-2495,-2377,-2636,-3280,-3150,-2892,-3567,-3056,-2784,-2375,-2520,-2556,-3131,-3499,-2415,-2577,-3199,-2488,-3218,-3115,-3757,-6287,null,-10486.197960000001,-10788,-12665,-10235,-11622,-12020]
[null,"Prima",99757.561589999998,105866.59761,97098.650870000012,100566.62596999999,103233,72296,89242,87314,97600,97332,94620,88887,93154,98744,94010,85760,89496,88408,85485,87457,94528,99103,90748,88102,94072,97233,null,403289.43604,352085,378439,371668,350846,372480]
[null,"ASB",10270.673535181802,11915.486009532597,11923.379511555395,11549.544850469501,8412,6772,10024,6101,11858,21590,24545,27643,18785,18126,15593,12880,15254,16878,16428,10704,17062,15485,15760,15170,13826,12841,null,45659.083906739295,31309,85636,65384,59264,63477]
[null,"Credicorp Capital",94650.180823531104,90644.13380336859,96585.941791529796,113291.97409188328,104251.46283870449,86829.609013457928,133468.8416069448,150734.16656579665,135600.2087884158,147357.17895493735,124355.91253979906,128349.82659820473,118928.95339303941,120478.04660696059,118380,111981,107158,115900,110754,137092,128148,153482,141657,131199,136264,134297,null,395172.23051031277,475284.08002490387,535663.12688135693,469768,470904,554486]
[null,"Eliminations and Other (3)",-74215.57979057054,-81861.738525806693,-80034.935963836964,-84582.036517031491,-88013.462838704465,-68059.609013458015,-62666.841606944799,-107265.16656579636,-83175.208788415766,-86068.178954937379,-89685.912539798999,-101806.82659820467,-102836.95339303941,-102326.04660696059,-111001,-113405,-113102,-117102,-116146,-134216,-134893,-114638,-115312,-116739,-128117,-121831,null,-320694.29079724569,-326005.08002490364,-360736.12688135682,-429569,-480566,-481582]
[null,"Total Fee Income",782922,787250,815403,847206,760329,503487.99999999988,775806,873156,830771,862411,876391,924161,891628,920950,934984,895295,881781,960550,975955,986173,856565,947228,982818,973338,994024,1024553,null,3232781,2912779,3493734,3642857,3804459,3759950]
[]
[null,"(1) Beginning in 1Q25, accounting reclassifications related to credit card loyalty program expenses and Yape’s transactional fee expenses have been incorporated. These reclassifications affected Administrative and General Expenses as well as Fee Income. Prior periods have been restated for comparability and may differ from previously reported figures."]
[null,"(2) Beginning in 1Q25, reclassifications related to FX operations at BCP Bolivia have been incorporated. These reclassifications affected Fee Income and Net Gain on Derivatives Held for Trading, which are now consolidated into Net Gain on Foreign Exchange Transactions. Prior periods have been restated for comparability and may differ from previously reported figures."]
[null,"(3) Correspond mainly to the eliminations of bancassurance between Pacifico, BCP, and Mibanco."]

{"sheet":"6.2.Other Non-Core Income ","index":13,"n_rows":14,"n_cols":42,"rows_kept":14,"cut":false,"hidden":false,"merged":[[13,1,13,6],[3,24,3,37],[3,2,3,17],[3,19,3,22],[3,39,3,41],[12,1,12,6]]}
[null,"Back to index"]
[]
[null,"(IFRS 4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"( IFRS 17)"]
[null,"Other Non-Core Income","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"(S/ 000)","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"2019","2020","2021","2022",null,"1Q22","2Q22","3Q22",null,"1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2022,2023,2024]
[null,"Net Gain on Securities",113545,100987,150427,102011,-120633,280563,135957,162523,16287,-69947,5739,2550,-56866,-94180,-25459,77512,null,466970,458410,-45371,-98994,null,-56866,-94180,-25460,77512,70036,68603,53591,115825,61745,92711,120033,-47377,-28149,179174,null,-98993,308055,227112]
[null,"Net Gain from Associates (2)",14786,20478,21842,22738,19225,14906,11245,19296,29405,12302,19090,13224,24014,29219,25806,25422,null,79844,64672,74021,104461,null,24014,29219,25806,25422,27212,23689,32056,34132,32295,28728,35600,38560,24068,6556,null,104461,117089,135183]
[null,"Net Gain of Derivatives Held for Trading (3)",-2434,-724,2158,7043,35430,8358,-21297,18298,69723,52606,43365,46546,-5982,12304,53008,5857,null,6043,28927,221064,65187,null,-5982,12304,53008,5857,-6570,16671,38545,5019,39984,41748,-3499,77962,18499,21418,null,65187,53665,156195]
[null,"Net Gain from Exchange Differences",13490,63,-11775,17957,-20849,23845,6530,10278,-5536,32959,-4809,-22083,-17060,-17066,-4071,22039,null,19735,31666,-3215,-10682,null,-8363,-18441,-5917,33108,22963,2996,4564,15255,-5621,-7933,-6139,-21365,15959,10195,null,387,45778,-41058]
[null,"Other Non-operative Income",75605,98703,133128,74713,117770,35195,39498,94518,73991,62923,52258,76748,147902,84152,64890,32064,null,344229,286981,266567,290224,null,135257,78673,56664,-2548,89338,149671,89272,112372,102221,139499,96675,176384,322001,58461,null,268046,440653,514779]
[null,"Total Other Non-Core Income",214992,219507,295780,224462,30943,362867,171933,304913,183870,90843,115643,116985,92008,14429,114174,162894,null,916821,870656,513066,350196,null,88059,7575,104101,139351,202979,261630,218028,282603,230624,294753,242670,224164,352378,275804,null,339086,965240,992211]
[]
[null,"(1) Includes gains on other investments. Beginning in 1Q25, revenues from the EPS and Medical Services businesses are no longer reported under Net Gain from Associates. Instead, they are fully\nconsolidated into the Underwriting Insurance Result and the newly created Medical Services Result, respectively."]
[null,"(2) Beginning in 1Q25, accounting reclassifications related to FX operations at BCP Bolivia have been incorporated. These reclassifications affected Fee Income and Net Gain on Derivatives Held for\nTrading, which are now consolidated into Net Gain on Foreign Exchange Transactions. Figures for prior periods have been restated for comparability and may differ from those previously reported."]

{"sheet":"7.Underwriting Results","index":14,"n_rows":26,"n_cols":43,"rows_kept":26,"cut":false,"hidden":false,"merged":[[3,40,3,42],[21,24,24,24],[3,26,3,34],[20,2,20,17],[3,2,4,17],[3,19,4,22],[20,19,20,22],[5,24,8,24],[9,24,12,24],[13,24,16,24],[17,24,20,24],[3,24,3,25],[4,24,4,25]]}
[null,"Back to index"]
[]
[null,"(Under IFRS 4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Under IFRS 17)"]
[null,"Insurance underwriting result (1)","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,"Insurance Underwriting Result",null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"S/ 000",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S/ 000",null,"1Q22","2Q22","3Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2022,2023,2024]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"2019","2020","2021","2022",null,"Total","Income from Insurance Services ",829023.20803710027,844183.08615290001,885485.24406999908,956616.95508160593,945887.54886632087,923673.82612034515,1019609.8086449328,937922.7093841068,909138.44037631713,940939.13475820888,982532.08505873906,987907.71601815999,1185642.2658683187,null,3488429.0807255595,3843116.3424163377,982532.08505873906]
[null,"Net earned premiums ",584209,584579,604877,620578,627935,552061,595394,652670,643928,639944,675571,712087,690536,695547,751936,735276,null,2394243,2428060,2671530,2873295,null,null,"Expenses for Insurance Services",-530886.40689999983,-513555.42371000006,-496407.12106999982,-545165.76796051208,-550427.33309357776,-505411.80927689892,-633956.50927059201,-476213.89768269146,-496110.29637938517,-514732.85986558412,-569955.01654457825,-571801.410402523,-738807.62088830012,null,-2216750.6329755597,-2234961.4196015811,-569955.01654457836]
[null,"Net claims",-383817,-374688,-385487,-387426,-373502,-328783,-513091,-492737,-623353,-691335,-517951,-509279,-478506,-492258,-478039,-481087,null,-1531418,-1708113,-2341917,-1929890,null,null,"Reinsurance Results",-91469.801137100352,-136430.66244289972,-85318.122999999992,-115110.18712109372,-98896.215772743104,-87362.016843447316,-98358.299374341092,-182646.81170141531,-97528.121596931858,-134431.29696031896,-99894.068517208303,-86972,-95962.083250024501,null,-430230.44775000005,-397054.92281475739,-99894.068517208289]
[null,"Acquisition cost (2)",-91281,-91666,-94239,-88662,-112507,-87598,-86644,-75066,-85822,-84944,-87416,-75152,-70484,-66247,-75055,-70021,null,-365848,-361814,-333334,-281807,null,null,"Insurance Undewrwriting Result",206667.00000000003,194197.0000000002,303759.9999999993,296341.00000000012,296564,330899.99999999895,287294.99999999971,279062,315500.02240000013,291774.97793230577,312682.99999695248,329134.30561563699,350872.56172999414,null,841447.9999999993,1211099.9999999993,312682.99999695236]
[null,"Total insurance underwriting result",109111,118225,125151,144490,141926,135680,-4340,84867,-65247,-136335,70204,127657,141546,137042,198842,184168,null,496977,358133,-3721,661598,null,"P&C","Income from Insurance Services ",414407.65933285421,420248.24651620002,397394.52957463497,413898.40946484316,426952.84745693376,404637.83399714372,449798.69397962256,468361.18465448346,443326.6610191933,471143.85883580107,491960.60771932662,490041.0177825102,479994.26704099384,null,1669794.6109285199,1694725.2129119239,491925.9624123266]
[null,"Loss Ratio",0.65698577050336437,0.64095357513697893,0.63729816144439277,0.62429863772160787,0.59480997236975164,0.59555556360619566,0.86176716594389602,0.75495579695711457,0.96804766992583025,1.08030546422812,0.76668625503462995,0.71519210433556579,0.69294866596383098,0.70772787460804232,0.63574426546940166,0.65429444181504637,null,0.63962513412381283,0.70348879352240057,0.87662013902145963,0.67166441315632397,null,null,"Expenses for Insurance Services",-244717.26366141619,-212621.83606643305,-241181.59843167019,-286056.2842041477,-274128.84067476785,-256171.59528657817,-323691.0606429234,-237874.99305945419,-301960.67662212189,-278114.99237710133,-331518.00112196407,-325314.33024323307,-298680.30648196058,null,-981190.92148130341,-1138549.9207732226,-330976.06042196421]
[null,"Net earned premiums ","-","-","-","-","-","-","-","-",343158.07845999999,331824.96322979993,346985.67230999999,375453.83052999992,365491.83974000008,365452.10916549992,411041.59750999999,385804.78706999996,null,"-","-",1397422.5445298001,1527790.3334884001,null,null,"Reinsurance Results",-95787.985231715516,-133489.97365193977,-76890.160302996956,-83926.027615598447,-69240.87205486685,-64312.856890900875,-76769.114043361682,-152688.86921509492,-75561.531723349937,-120392.06014319015,-78366.287910264888,-72392.674582532796,-88692.535982255256,null,-398891.12099100638,-293072.96569218102,-83761.342782926586]
[null,"Net claims","-","-","-","-","-","-","-","-",-501713.09654,-546439.37646000006,-343268.76121999999,-350671.85991,-315718.30612999998,-335203.54804000002,-315333.76061,-309769.01793999999,null,"-","-",-1742093.0941300001,-1276024.6327200001,null,null,"Insurance Undewrwriting Result",73902.410439722458,74136.436797827206,79322.770839967823,43916.097645097019,83583.134727299053,84153.381819664675,49338.519293337478,77797.32237993434,65804.452673721476,72636.806315509602,82076.318687097664,92334.012956744336,92621.424576778008,null,289712.56845621008,263102.32644652028,77188.559207435857]
[null,"Loss Ratio","-","-","-","-","-","-","-","-",1.4620465844532984,1.6467699450374758,0.98928799836242431,0.93399462569068192,0.86381766103066082,0.91722975359323644,0.76715778286242287,0.80291647050972403,null,"-","-",1.246647337234833,0.83520925924858813,null,"Life","Income from Insurance Services ",393365.20159583981,411461.67887728778,480137.15352564794,521859.63075482752,491425.69404116191,487115.78388162819,534817.66854981519,438124.32896935055,456103.59894649987,453008.76204828511,471464.52554035757,332869.41796671844,330900.69541759824,null,1738360.5304518268,2033104.1625829295,471464.52554035757]
[null,"Net earned premiums ","-","-","-","-","-","-","-","-",284423.01927819999,291171.53511,310653.03552100004,318949.21257030003,308890.57376500004,313517.8963423,324127.4789524001,329815.10743240005,null,"-","-",1205196.8024795,1276351.0564921002,null,null,"Expenses for Insurance Services",-279549.78052471176,-305953.14919202816,-254322.42492134823,-257253.14915457353,-270662.71798962622,-243253.25588781328,-305082.59138908808,-232008.33845092147,-205295.34546023794,-234502.83745579151,-238148.80916042023,-112309.87997003488,-79017.497356763663,null,-1211960.7594721159,-1076250.2163637802,-238690.74986042024]
[null,"Net claims","-","-","-","-","-","-","-","-",-114131.5373904,-135982.18919,-164368.77957720001,-149749.37177210001,-156850.9250399,-153046.26559679999,-158037.49061569999,-165962.5747463,null,"-","-",-564231.87792969996,-633897.25599870004,null,null,"Reinsurance Results",6966.5062300249529,152.86152893964754,-14023.743948246694,-27177.747965581344,-23967.716851212659,-17270.16121431439,-14497.678588315935,-24308.100527787705,-18000.838801628652,-9363.8326329635602,-15603.894917024936,-13318.350632713789,-7588.3439569570501,null,-27066.374522450173,-82997.668723793817,-10176.897107024932]
[null,"Loss Ratio","-","-","-","-","-","-","-","-",0.40127391123278106,0.46701745463761796,0.52910727011418091,0.4695085169369827,0.50778799471954805,0.48815798837111202,0.48757819339010339,0.50319882566421315,null,"-","-",0.46816576078602512,0.49664804426212611,null,null,"Insurance Undewrwriting Result",120781.92730115299,105661.39121419928,211790.98465605301,237428.73363467265,196795.25920032302,226592.3667795005,215237.39857241118,181807.88999064139,232807.41468463329,209142.09195953002,217711.8214629124,207241.18736396977,244294.85410387753,null,499333.39645726077,873856.27749535546,222596.87857291239]
[null,"(1) Includes the results of the Life, Property & Casualty and Crediseguros business",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Crediseguros","Income from Insurance Services ",18911.040517879999,16866.661032119999,18886.321430000004,20858.914835385745,29578.419349591499,33904.355704728303,37123.527385815687,34386.590928600403,15982.9521563537,23489.213447820901,25302.896326857201,22862.378343227101,13261.123729394996,null,78118.031419999999,123614.82604764399,25302.896326857204]
[null,"(2) Includes net fees and underwriting expenses.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expenses for Insurance Services",-10544.061991816492,626.06128672737395,-4644.3283499999998,-1856.3344614857342,-10230.7977309777,-11261.185256898902,-11484.582833961489,-11549.7899271715,5934.7504550948997,-7096.7663755832,-5622.5161545790997,-5835.0738425231002,-4171.4815840002002,null,-19907.602629999998,-39207.067667781099,-5622.5161545790997]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Reinsurance Results",-5163.7444793658524,-3093.5503482015629,-4996.6980399999993,-4006.4115399139373,-7588.5740907036998,-7633.5071244522987,-9093.613067668899,-8469.2609932969008,-10116.6792446532,-11240.225340331001,-12331.5091831062,-8326.7852640300007,-3807.4655297551999,null,-19942.776759999997,-29975.900732813298,-12331.5091831062]
[null,"Acquisition cost","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Insurance Undewrwriting Result",3203.234046697653,14399.17197064581,9245.2950400000045,14996.168833986074,11759.047527910097,15009.663323377103,16545.331484185299,14367.540008132002,11801.0233667954,5152.2217319067004,7348.8709891718991,8700.5192366740011,5282.1766156395952,null,38267.652030000005,54431.85764704959,7348.8709891718991]
[null,"S/ 000","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"2019","2020","2021","2022",null,"EPS","Income from Insurance Services ","-","-","-","-","-","-","-","-","-","-","-",130126.66601,383265.07571,null,"-","-","-"]
[null,"Net fees",-60013,-58717,-65714.618602378498,-65316,-66650.492996402201,-49083.933539923324,-59653.089114659408,-63831.186135314849,-55604.844563498045,-53808.32167881533,-51617,-53808.32167881533,-39875.214334737087,-39352,-39875.214334737087,-39351.819476374483,null,-249761,-239218.70178629979,-109413,-79227,null,null,"Expenses for Insurance Services","-","-","-","-","-","-","-","-","-","-","-",-122892.78873,-357290.27899000002,null,"-","-","-"]
[null,"Underwriting expenses",-34576,-49237,-30038.582180132198,-35206,-46460.886943353602,-39189.250562954905,-27715.676100134893,-19628.116416538614,-31557.480868202398,-31841.579824007509,-33542,-31841.579824007509,-31286.2066095181,-27942,-31286.2066095181,-27943.355502994913,null,-149058,-132993.93002298201,-63399,-59230,null,null,"Reinsurance Results","-","-","-","-","-","-","-","-","-","-","-",-426.28726999999998,-1256.4282699999999,null,"-","-","-"]
[null,"Underwriting income",3308,16288,1513.9679599999995,11859.650439999999,604,674.97225000000003,724.99978999999962,8393,1339.9356299999999,705.52212999999983,-2257,705.52212999999983,677.79090999999994,1047,677.79090999999994,1047.37483,null,32971,10398.71717,2045,1725,null,null,"Insurance Undewrwriting Result","-","-","-","-","-","-","-","-","-","-","-",6807.5900100000008,24718.368449999984,null,"-","-","-"]
[null,"Acquisition cost",-91281,-91666,-94239.232822510705,-88662.349560000002,-112507.3799397558,-87598.21185287823,-86643.765424794299,-75066.302551853471,-85822.389801700454,-84944.379372822848,-87416,-84944.379372822848,-70483.630034255199,-66247,-70483.630034255199,-66247.800149369388,null,-365848,-361813.91463928175,-170767,-136732]

{"sheet":"8.Operating Expenses","index":15,"n_rows":34,"n_cols":43,"rows_kept":34,"cut":false,"hidden":false,"merged":[[13,2,13,17],[13,19,13,22],[34,24,35,43],[3,2,3,17],[3,19,3,22],[3,40,3,42],[13,40,13,42],[33,1,34,17]]}
[null,"Back to index"]
[]
[null,"(Under IFRS 4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Under IFRS 17)"]
[null,"Operating expenses","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,"Operating expenses","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"S/ 000","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,2019,2020,2021,2022,null,"S/ 000","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2022,2023,2024]
[null,"Salaries and employees benefits",834317,845835,845345,885526,891183,825997,803438,792336.29692081921,857559,882177,915563.64099999983,1013176.4590000003,977953,975420,1021946,1077461,null,3411023,3312954,3668476,4052780,null,"Salaries and employees benefits",939518,942159,984336,1036148,1029558,1054735,1061402,1119758,1107069,1141823,1155966,1271578,1361690,1262520,null,3902161,4265453,4676436]
[null,"Administrative, general and tax expenses ",538157,552653,570290,693458,539169,512595,585362,746592,580263.30227598024,672230.69772401976,802544.98037960147,898678.33562039817,724914,850560,866016,1063611,null,2354630,2383718,2953717,3505101,null,"Administrative, general and tax expenses ",696065,819100,869873,1029027,835060,871046,1007894,1089203,821748,947558,971449,1150867,869834,965994,null,3414065,3803203,3891622]
[null,"Depreciation and amortization ",131325,158663,165195,175168,169959,169310,166105,177156,166765,163869,170960,181660,164514,168845,173500,176645,null,632339,669914,683254,683504,null,"Depreciation and amortization ",151894,156892,162009,165694,161079,160549,159761,177618,175146,172204,179495,186625,203766,212662,null,636489,659007,713470]
[null,"Association in participation ",2736,4746,5348,9806,6430,17944,10566,9806,13906,8879,10426,13965,7691,10329,9999,12936,null,22636,52019,47176,40955,null,"Association in participation ",7691,10329,9999,12936,12612,16742,14634,9109,8847,9200,6414,3808,6799,371,null,40955,53097,28269]
[null,"Acquisition cost (1)",91281,91666,94239,88662,112507,87598,86643,88662,85822,84944,87416,75152,70484,66247,75055,70021,null,365848,361814,333334,281807,null,"Operating expenses ",1795168,1928480,2026217,2243805,2038309,2103072,2243691,2395688,2112810,2270785,2313324,2612878,2442089,2441547,null,7993670,8780760,9309797]
[null,"Operating expenses ",1597816,1653563,1680417,1852620,1722183,1611543,1657965,1814552.2969208192,1704315.3022759804,1812099.6977240196,1986910.6213796013,2182631.7946203984,1945556,2071401,2146516,2400674,null,6786476,6780419,7685957,8564147]
[null,"(1) The acquisition cost of Pacifico iIncludes net fees and underwriting expenses."]
[]
[null,"Administrative general, and tax expenses","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,"Administrative general, and tax expenses","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"S/000","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,2019,2020,2021,2022,null,"S/000","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2022,2023,2024]
[null,"IT expenses and IT third-party services",93904.881190000015,110388.62203999993,92009.351330000063,123422.14543999999,97440.51565999999,122458.26368000002,136335.78098999977,183675.43967000023,137033,163797,199660,240939,200757,236252,238753,262252,null,419725,539910,741429,938014,null,"IT expenses and IT third-party services",196985,207929,240603,262822,240932,256348,271304,311417,282905,294997,287372,386150,302029,324083,null,908339,1080001,1251424]
[null,"Advertising and customer loyalty programs",76389.011700000003,86545.502080000006,88042.014540000004,129946.47167999999,75607.589500000002,53729.511379999996,90918.412339999995,129489.48678000001,72326,105060,123603,185896,110497,156285,173728,212920,null,380923,349745,486885,653430,null,"Advertising and customer loyalty programs",110314.32785737478,156049,173517,212707,135767,174021,171902,239028,57734,134007,123174,163897,85390,112027,null,652587,720718,478812]
[null,"Taxes and contributions",66709,72172,70224,82516,68017,63344,59866,75477,68808,77406,80626,62644,74063,78510,51963,100950,null,291621,266704,289484,305486,null,"Taxes and contributions",67657.319677274907,72982,45461,94071,85073,20557,65606.149999999994,93089.85,92887,94448,90080,105296,83347,86321,null,280171,264326,382711]
[null,"Audit Services, Consulting and professional fees",42653.524285950298,45907.475714049702,71552,92916,40735,47632,49655,81649,41725,60470,114099,96684,52518,70654,74804,140293,null,253029,219671,312978,338269,null,"Audit Services, Consulting and professional fees",51692.366620205998,69239,73297,139097,51878,67017,112480,105340,58992,75845,101570,171101,71072,92086,null,333325,336715,407508]
[null,"Transport and communications",43708.553229999998,45194.091099999998,44911.956080000018,56231.399589999986,38343.354379999997,36489.599670000003,46075.420409999992,48707.625540000008,40382,47341,54312,66209,40164,49771,75269,63906,null,190046,169616,208244,229110,null,"Transport and communications",39117,48899,73494,63981,51036,57437,57518,60869,54064,60225,62568,67398,52810,58391,null,225491,226860,244255]
[null,"Repair and maintenance",24586.655069999986,10959.758120000079,28142.106809999954,23155.479999999981,24677.689585894899,33994.066507023002,32459.0370085084,27238.206898573699,27443,30602,32077,33109.918999999994,29939,40832,21955,45220,null,86844,118369,123232,137946,null,"Repair and maintenance",29913.013276999991,39173,30940,36079,25790,37555,44084,49698,32638,34598,36316,50981,31635,37886,null,136105,157127,154533]
[null,"Agents' Fees",18288,20655,22435,24992,21429,19076,22270,25124,25036,25218,26486,27960,27018,26091,25574,27673,null,86370,87899,104700,106356,null,"Agents' Fees",27018.3822,26091,25574,27673,26152,27747,29310,31911,27388,29375,29957,31436,26102,28067,null,106356,115120,118156]
[null,"Services by third-party",9464.3772599999975,14545.573680000001,14261.981779999998,21946.067280000003,10084.8709384304,14026.747086524296,17859.608804895804,27407.773170149499,19045.302275980201,24657.976801580004,26819.701302041198,28917.019620398598,18411,33791,29929,36647,null,60218,69379,99440,118778,null,"Services by third-party",22925.212010986193,18621,36327,35338,27511,27661,45426,43936,28415,35950,36689,6220,21436,26634,null,113211,144534,107274]
[null,"Leases of low value and short-term",22418,8162,10030,30971,21303,13601.25647,13266.274460000001,22233.469069999999,20902,20145,21565,23805,20931,22610,22142,25997,null,71581,70404,86417,91680,null,"Leases of low value and short-term",20930.549713438602,22610,24171,23968,25116,25282,27754,30205,30465,31002,26378,36936,33177,34937,null,91680,108357,124781]
[null,"Miscellaneous supplies",17655.245149651601,18698.754850348399,19403,18793,23639,9908,12679,21311,14819,14171,13068,15035,19077,20657,25266,22848,null,74550,67537,57093,87848,null,"Miscellaneous supplies",19077.377337836002,20656,25266,22845,32993,27837,27091,30589,18653,24700,23552,24864,19383,18192,null,87844,118510,91769]
[null,"Security and protection",17036.516252431698,17233.483747568302,15838,16316,15978.829015101699,15823.170984898301,16101,16536,15959,15692,15468,16381,15476,15798,16841,16365,null,66424,64439,63500,64480,null,"Security and protection",15475.832473863898,15798,16841,16365,15789,16004,16064,16575,15903,16544,16909,16614,16946,16940,null,64480,64432,65970]
[null,"Subscriptions and quotes",9570,9781,11920,13252,10752,12219,12263,14230,13183,13902,13363,14883,13437,15968,14013,14833,null,44523,49464,55331,58251,null,"Subscriptions and quotes",13011.919577249699,14877,13703,14322,13086,16024,14391,18444,17172,24220,18349,14261,18330,19773,null,55914,61945,74002]
[null,"Electricity and water",12176.763266652701,14177.236733347299,13571,15027,11812.957325371801,13133.042674628199,12171,14532,10691,12709,11102,14384,10677,13567,11867,15006,null,54952,51649,48886,51117,null,"Electricity and water",10549.511630597899,13426,11742,14848,11497,14954,13592,16316,11736,13614,11857,15053,10275,12513,null,50566,56359,52260]
[null,"Electronic processing",5610.3994192629998,6851.6005807370002,6520,9235,8637,6840,8824,12619,9968,11123,10863,7574,7693,8208,7770,12225,null,28217,36920,39528,35896,null,"Electronic processing",7692.5077350602987,8208,7770,12225,8730,9791,9959,11284,7748,6016,7578,8124,7635,7762,null,35896,39764,29466]
[null,"Insurance",2186.0941927275999,2198.9058072724001,19114,7374,4909.6067809789001,3195.3932190210999,20392,15160,8274,4166,36358,13344,8916,4888,40561,8629,null,30873,43657,62142,62994,null,"Insurance",8290.8441586596,6550,39524,8629,8750,5022,38034,4518,5172,7370,28296,14312,11719,16441,null,62994,56324,55150]
[null,"Cleaning",5477.8327983914996,5297.1672016085004,4880,5790,5518.4977984254992,5521.5022015745008,6705,5155,5282,5206,4630,4987,4506,5203,5358,5368,null,21445,22900,20105,20435,null,"Cleaning",4506.1445956764001,5203,5358,5368,5162,5463,5930,6122,5744,5629,5761,8415,6558,7014,null,20435,22677,25549]
[null,"Others (1)",70322.379250627826,64584.595279372181,38059.589459999988,26809.436010000005,63217.979935674695,39701.869206452713,33372.263629209454,19162.887228663138,49966,39985,18446,45926.396999999997,71459,50850,30223,52479,null,199776,155455,154323,205011,null,"Others (1)",50908,72789,26285,38689,69798,82326,57449,19861,74132,59018,65043,29809,71990,66927,null,188671,229434,228002]
[null,"Total ",538157.2330656962,553352.7669343038,570914,698692.99999999977,542103.89091987791,510693.42308012221,591212.79764261341,739707.88835738669,580842.30227598012,671650.97680158005,802545.70130204118,898678.33562039863,725539,849935,866016,1063611,null,2361117,2383718,2953717,3505101,null,"Total ",696065.30886522413,819100,869873,1029027,835060,871046,1007894.15,1089202.8500000001,821748,947558,971449,1150867,869834,965994,null,3414065,3803203,3891622]
[null,"(1) Others consists mainly of security and protection services, cleaning service, representation expenses, electricity and water utilities, insurance policiy expenses, subscription expenses and commission expenses."]

{"sheet":"9.Operating Efficiency","index":16,"n_rows":38,"n_cols":42,"rows_kept":38,"cut":false,"hidden":false,"merged":[[37,1,37,8],[9,1,9,17],[15,1,16,1],[15,8,16,8],[15,24,16,24],[15,2,16,2],[15,3,16,3],[15,4,16,4],[15,5,16,5],[15,6,16,6],[15,7,16,7],[3,2,4,17],[3,19,4,22],[3,40,3,41],[10,1,10,22],[11,1,11,17],[15,29,16,29],[15,30,16,30],[15,31,16,31],[15,25,16,25],[15,26,16,26],[15,27,16,27],[15,28,16,28]]}
[null,"Back to index"]
[]
[null,"(Under IFRS 4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Under IFRS 17)"]
[null,"Operating efficiency","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,"Operating efficiency",null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,"Year"]
[null,"S/000",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S/000"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,2019,2020,2021,2022,null,null,"1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2023,2024]
[null,"Operating expenses (1)",1597816,1653563,1680417,1852620,1722183,1611543,1657964,1791120,1704894,1812674,1986913,2182630,1946181,2071401,2151352,2400674,null,6785063,6782810,7685957,8564147,null,"Operating expenses (1)",1795168,1928479,2026217,2243805,2038309,2103072,2243691,2395688,2112810,2270785,2313324,2612878,2442089,2441547,null,8780760,9601950]
[null,"Operating income (2)",3768564,3832407,3896978,4073888,3968580,3213316,3684610,3793722,3871563,4147704,4307356,4414186,4376339,4649583,5024516,5219379,null,15571825,14660228,16739655,19269608,null,"Operating income (2)",3799381,4044394,4456209,4530125,4602331,4715570,4844683,4893605,4933778,5143084,5211162,5396202,5340199,5529301,null,19056189,20976379]
[null,"Efficiency ratio (3)",0.42399999999999999,0.43099999999999999,0.43121028653484827,0.45475476989058117,0.4339544623013773,0.50152023641621302,0.44997001039458723,0.47212737253810372,0.44036323314382331,0.43703070421611573,0.46128367378967516,0.49445809487864806,0.44470526620538309,0.44550253216256169,0.42817099199206449,0.45995395237632675,null,0.436,0.46266742918322962,0.45914667894887917,0.44443804980360785,null,"Efficiency ratio (3)",0.47248959764761683,0.47682767801554449,0.45469523534466177,0.49530752462680389,0.44288622439368225,0.44598468477829828,0.46312441907963842,0.48955483738470923,0.42823369839502307,0.44152205174949505,0.44391711483926233,0.4842068551177291,0.45730299563742849,0.44156521773728724,null,0.46078258354805363,0.4577505965162052]
[null,"(1) Operating expenses = Salaries and employees benefits + Administrative expenses + Depreciation and amortization + Association in participation + Acquisition cost.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(1) Operating expenses = Salaries and employees benefits + Administrative expenses + Depreciation and amortization + Association in participation "]
[null,"(2) Operating income = Net interest, similar income and expenses + Fee income + Net gain on foreign exchange transactions  + Net gain from associates +  Net gain on derivatives held for trading + Net gain from exchange differences + Net premiums earned",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(2) Operating income = Net interest, similar income and expenses + Fee income + Net gain on foreign exchange transactions  + Net gain from associates +  Net gain on derivatives held for trading + Net gain from exchange differences + Insurance Underwriting Results + Medical Services Results"]
[null,"(3) Operating expenses / Operating income.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(3) Operating expenses / Operating income."]
[]
[]
[]
[null,"Reported efficiency ratio per subsidiary (1)","BCP Stand-alone","BCP Bolivia","Mibanco Peru ","Mibanco Colombia","Pacífico","Prima AFP","Credicorp",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Reported efficiency ratio per subsidiary (1)","BCP Stand-alone","BCP Bolivia","Mibanco Peru ","Mibanco Colombia","Pacífico","Prima AFP","Credicorp"]
[]
[null,"1Q19",0.38100000000000001,0.61799999999999999,0.54728532892020343,"-",0.39,0.41599999999999998,0.42399999999999999,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1Q22",0.40619533804130986,0.5988039169179683,0.52986053880940809,0.78971832838787948,6.8157805923810877E-2,0.5449147464182601,0.41025716031715059]
[null,"2Q19",0.40160523190960301,0.61672306567455426,0.52545829750750706,"-",0.38563029396485304,0.4058180029343334,0.43146852617689102,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2Q22",0.41496009798297612,0.57990589628849698,0.50361459851948309,0.75762264620145614,0.33856387048818348,0.52579882374340625,0.47682767801554449]
[null,"3Q19",0.40557791876982369,0.56788156287353153,0.50705157586018523,"-",0.38958833702605822,0.44005856978760927,0.43121028653484805,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3Q22",0.38849932863019249,0.61310288544671498,0.49613665847300842,0.80265197938661903,0.24199868443884859,0.50209879839786387,0.45469523534466177]
[null,"4Q19",0.43383449256901857,0.60091693518957812,0.53954777364847106,"-",0.44671896658631033,0.45096684946327786,0.45475530189468083,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4Q22",0.41884227896986087,0.64501047468192729,0.5229791630730416,0.93265504623982953,0.53678051969276031,0.46131503425291615,0.49530752462680389]
[null,"1Q20",0.38824216673714096,0.5636157942661626,0.55623392553317774,0.88479473127583885,0.40562908214787358,0.40643396793684355,0.43378538419283474,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1Q23",0.36801226727492703,0.60232524667764786,0.54124701456565782,0.9322701860507745,0.2174007171368649,0.49585688415738355,0.44288612816285311]
[null,"2Q20",0.430360395688276,0.50957207750248346,10.276059903719945,0.97383975191497252,0.40000310343465578,0.57259984928409946,0.50152023641621302,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2Q23",0.37296260590006064,0.6066747024257948,0.52370254929452664,0.88829574650299747,0.28351725482550205,0.49769811826755467,0.44598468477829828]
[null,"3Q20",0.40772678771636561,0.51233227839824236,0.58676803096497276,1.1325379750961602,0.35403987065445797,0.4932965707392728,0.44997001039458728,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3Q23",0.37296260590006064,0.65328369905956107,0.51378831708310857,0.85953517198636509,0.24744849435441371,0.51585448432063885,0.45658021878210359]
[null,"4Q20",0.41433556798140131,-1.4078279294766722,0.55741488099518233,0.95388961568359787,0.39709060289325171,0.45634402136836139,0.47212672090186841,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4Q23",0.41803856829503633,0.59000152906429315,0.52905451331048881,0.9819986293993832,0.3489625217884712,0.54226012208225693,0.48955483738470923]
[null,"1Q21",0.4016897019839234,0.59720244102583453,0.62003127373030309,0.7806198354514331,0.37429843018287046,0.46542069667660535,0.44036349143743747,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1Q24",0.35063904216553876,0.58055864125350798,0.5326055610610374,0.85536259389255376,0.27680511646498784,0.50395482593527707,0.42823366930318685]
[null,"2Q21",0.40286671854684497,0.58857480865403577,0.5559712837837838,0.73860504201680677,0.36630783610958401,0.44899689466372478,0.43703046311887256,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2Q24",0.37065480317780475,0.58198268822472643,0.51009760762252643,0.78901242642249836,0.27527702221654282,0.521495308182085,0.44152244062123036]
[null,"3Q21",0.45281127606852467,0.53048105114561839,0.49677527203175353,0.86265655997394364,0.32336424202800995,0.51141464665897141,0.46128367378967516,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3Q24",0.3640742745391185,0.80300000000000005,0.54200000000000004,0.72,0.255,0.50700000000000001,0.44391730673504298]
[null,"4Q21",0.47445527500133505,0.699777967817102,0.55566817489472264,0.67113864071018758,0.35233863812192129,0.6121898722458804,0.49445813014475387,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4Q24",0.4369329530661526,0.62972224757384931,0.52230814496637157,0.69457001925671158,0.29614500448255293,0.64182392079387784,0.48420675953323461]
[null,"1Q22",0.40619533804130986,0.5988039169179683,0.52986053880940809,0.78971832838787948,0.36130514503351119,0.5449147464182601,0.4447052662053832,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1Q25",0.37690362108728559,0.696236084113801,0.52876598337696035,0.70646581238384032,0.31520985084980924,0.54407970634504454,0.45730291000337064]
[null,"2Q22",0.41496009798297612,0.57990589628849698,0.50361459851948309,0.75409973929862917,0.34604431439994637,0.52579882374340625,0.44550253216256164,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2Q25",0.38348512598999296,0.67295979609075152,0.51992869347951276,0.65487051722927925,0.37506967281645393,0.51351129531977757,0.44156521773728724]
[null,"3Q22",0.38849932863019249,0.61310288544671498,0.49613665847300842,0.80562827225130895,0.33841912742542624,0.50209879839786387,0.42817099199206449]
[null,"4Q22",0.41884227896986087,0.64501047468192729,0.5229791630730416,0.93265504623982953,0.36706867880119748,0.46131503425291615,0.45995395237632675,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(1) Operating expenses / Operating income."]
[null,"2019",0.40895946565312835,0.60023920833711664,0.52976884092554544,null,0.35428003711506328,0.47478946325729798,0.44591984967074161]
[null,"2020",0.40945939891901456,0.87809789846363728,0.62635544002952481,0.9745259717119088,0.38955536198008589,0.47320743934901321,0.43607319849698517]
[null,"2021",0.43435559617037245,0.6031937548764158,0.55415412926423668,0.76339375332113124,0.35374776355319715,0.50652575421040114,0.45870498388647785]
[null,2022,0.4071977025125893,0.60899117105687339,0.51284090500133961,0.81871383458372127,0.35308048530710712,0.50951767066540088,0.44471662600636008]
[null,"(1) (Salaries and employees benefits + Administrative, general and tax expenses + Depreciation and amortization + Acquisition cost + Association in participation) / (Net interest income + Fee income + Net gain on foreign exchange transactions  + Net gain from associates +  Net gain on derivatives held for trading + Result on exchange differences + Net premiums earned)."]

{"sheet":"10.1.Regulatory Capital BAP","index":17,"n_rows":43,"n_cols":30,"rows_kept":43,"cut":false,"hidden":false,"merged":[[3,24,3,29],[32,1,32,17],[34,1,34,17],[38,1,38,17],[32,23,32,24],[33,23,33,24],[34,23,34,24],[35,23,36,24]]}
[null,"Back to index"]
[]
[]
[null,"Regulatory Capital and Capital Adequacy Ratios","As of",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regulatory Capital and Capital Adequacy Ratios","As of"]
[null,"S/000",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S/000"]
[null,null,"Mar 19","Jun 19","Set 19","Dec 19","Mar 20","Jun 20","Set 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23",null,null,"Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"Capital Stock",1318992.8800799998,1318992.8800799998,1318992.8800799998,1318992.8800799998,1318993,1318993,1318992.8800799998,1318992.8800799998,1318992.8800799998,1318992.8800799998,1318992.8800799998,1318993,1318992.8800799998,1318992.8800799998,1318992.8800799998,1318993,1318992.8800799998,1318992.8800799998,1318992.8800799998,1318992.8800799998,null,"Capital Stock",1318992.88008,1318992.88008,1318992.88008,1318992.88008,1318992.88008,1318992.88008]
[null,"Treasury Stocks",-207896.91670999999,-207838.50121000002,-207838.50121000002,-207838.5012,-209309,-209309,-209305.39173,-208433.40763,-207839.50290999998,-207755.56891,-207745.42306,-207538,-207700.07642999999,-207517.88443000001,-207517.88443000001,-207518,-208040.89231999998,-208035.03631999998,-208033.19131999998,-208033.19131999998,null,"Treasury Stocks",-208343.35318999999,-208917.86518999998,-208901,-208879,-209845,-209845]
[null,"Capital Surplus",222348.86438000001,227379.85780000003,222604.67109999998,226036.83655000001,165188,160430,157766.72944999998,192624.56177999999,224591.3444,224103.15440999999,215071.45426,228857,227361.07091000001,231179.07859000002,225832.40542999998,231556,226188.95397,231018.64040999999,225338.44448000001,228239.34550999998,null,"Capital Surplus",201965.29875999998,172302.1747589123,179026.99999999965,176307.00000000035,124147.9999999998,133387.00000000061]
[null,"Legal and Other capital reserves (1)",19408876.251740001,19423324,19416912,19437645,21360272,21381402,21405739.999999996,21429635,21707165.999999996,21725663,21350149.999999996,21364272,21292613.999999996,23666822.999999996,23687946,23702590,23603000.999999996,26221577,26239162.000000004,26252578,null,"Legal and Other Capital reserves",26213431.779537007,28008037.043112893,27187346,27202664.999999996,32792830,29602851]
[null,"Minority interest (2)",357832.69019182544,357067.01807498763,357157.26880290022,393018.72375165805,386326,418868,421250,443402.00000000006,456849,429448,423896.56158457207,420062,493113,490576,488486,430709,514951,207919.46251393732,210282.66026370018,205547.91247575259,null,"Minority interest",522308.98575104109,518837.83399124024,479027,467916,476695,474990]
[null,"Loan loss reserves (3)",1575956.3112022409,1608214.7279025337,1633134.6219141104,1690509.6619804045,1728836,1876506,1818719.5413499055,1838144.8740893144,1809048.123345572,1913044.9043309982,1993306.1237356267,2001065,1971343.4861854922,2074630.1822482119,2139970.6397433765,2128732,1908631.8075872564,1903624.7826854647,1946059.0847361267,1969000.9775617642,null,"Current and Accumulated Earnings (1)",2639191.3687344086,3914338.6794703756,5432237.3738890737,6592461.870848882,3410504.7104499643,5123469.4999144953]
[null,"Perpetual subordinated debt",580650.00000000012,575225.00000000012,592025.00000000012,0," -   "," -   "," -   ","-",0,0,0,0,0,0,0," -   ",0,0,"-",0,null,"Unrealized Gains or Losses (2)",-991282.70078240847,-936472.09991815407,-227246.99963649371,-504015.93614965526,-462799.89683583175,-246715.56920231774]
[null,"Subordinated Debt",4777810.814857143,4735573.0643265303,4778364.8401632654,4409839.894530612,4568131,4698109,5241952.8906326536,5491480.1551516037,7118127.7575422749,5979618.5859941691,6393705.6201399416,6125315,5695192.1314169094,5863208.1797376098,6015765.3729504375,5770557,5649060.3132478138,5595445.6726997085,5844106.1296384847,5720210.0097900871,null,"Goodwill",-768869.08262762683,-763671.23978335981,-734431,-722361,-1698492,-1692823]
[null,"Investments in equity and subordinated debt of financial and insurance companies",-615275.36649020389,-777011.30422269343,-775047.78854353225,-700858.81351969554,-630805,-674492,-699066.13402254018,-715613.94072329742,-735021.43234480906,-717710.97157232999,-727585.31241893547,-712518,-727620.12286362622,-829315.23636578466,-868747.33394705364,-889246,-1002770.142000271,-1265051.8295740192,-1259626.3905012961,-1235433.9990607169,null,"Intangible Assets (3)",-1935419.2201325183,-2151836.4587326017,-2050645.9325993503,-2396686.9333116626,-2590376.5932265837,-2655439.8671243675]
[null,"Goodwill",-602485.24184945843,-601332.81651225477,-621686.1634881146,-834881.39318121411,-819338,-851731,-790335,-820899,-812242,-813492,-826196,-796859,-809980,-802622,-788179,-772213,-802366,-830725,-842678,-798482,null,"Deductions in Common Equity Tier 1 instruments (4)",-699843.09785647003,-685465.69263232162,-678924.12758762727,-673951.66403335938,-38573.278660096832,-73487.606727808568]
[null,"Current year Net Loss",0,0,0,0," -   ",-411117,-306510,"-",0,0,0,"-   ",0,0,0,null,0,0,"-",0,null,"Perpetual subordinated debt",0,0,0,0,0,0]
[null,"Deduction for subordinated debt limit (50% of Tier I excluding deductions) (4)",0,0,0,0," -   "," -   "," -   ","-",0,0,0,"-   ",0,0,0,null,0,0,"-",0,null,"Subordinated Debt",5733691.3449446075,5896956.9974402329,7939610.0097900871,8047314.3141924199,7892454.3948982554,7240644.6495128088]
[null,"Deduction for Tier I Limit (50% of Regulatory capital) (4)",0,0,0,0," -   "," -   "," -   ","-",0,0,0,"-   ",0,0,0,null,0,0,"-",0,null,"Loan loss reserves (5)",1946564.143748418,2041564.1267242243,1967573.6544110402,2033378.8973283221,1972284.7412721631,1972667.4098936915]
[null,"Total Regulatory Capital (A)",26816810.287401546,26659593.926239111,26714618.828818627,25732464.288991764,27868294,27707660,28359205.515760012,28969333.122747626,30879672.170113035,29851911.984332841,29933595.904321201,29741649,29253316.369298767,31805954.199860033,32012549.079826757,31714160,31207648.920564793,33174766.572495095,33473603.617377013,33452619.935036883,null,"Deductions in Tier 2 instruments (6)",-945602.8563619483,-973281.21633167367,-1525607.5557685138,-1322351.8858130798,-751235.64646334178,-1289380.2698276942]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Regulatory Capital (A)",33026784.749742724,36151385.162989758,39078056.302578218,40010789.543141864,42236587.311514534,39699311.126518808]
[null,"Tier 1 (5)",14827120.592847265,14746303.786121387,14739047.261013018,14010215.139240596,15271365,14833795,14987233.150788726,15312787.063868353,15357748.005397594,15337347.979793832,15305133.816655103,15352163,15402883.813128185,16973919.456057105,16961209.734106474,16914873,16906309.870729867,17834543.031896934,17821986.598253049,17876444.947215393,null,"Total Regulatory Common Equity Tier 1 Capital (B)",26292132.117411643,29186401.035156984,30696480.194145601,31252448.217434198,33123083.821807452,31775379.336940002]
[null,"Tier 2 (6) + Tier 3 (7)",11989689.442814281,11913290.140117718,11975571.567805609,11722249.149751168,12596929,12873865,13371972.364971289,13656546.058879269,15357748.005397594,14514564.004539004,14628462.087666102,14389486,13850432.556170592,14832034.743802927,15051339.345720286,14799287,14301339.049834935,15340223.540598165,15651617.019123964,15576174.987821493,null,"Total Regulatory Tier 1 Capital (C)",26292132.117411643,29186145.255156983,30696480.194145601,31252448.217434198,33123083.821807452,31775379.336940002]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Regulatory Capital Requirement (D)",25901090.456368703,27146595.115032885,27276453.643472824,29124775.222027257,30571363.280745052,29484939.751083668]
[null,"Financial Consolidated Group (FCG) Regulatory Capital Requirements (8)",19595888.519500293,19877961.299474042,20170802.235829502,20750934.800930828,19925877,19619598,18607278.661285076,20136257.621765956,20121083.288510717,17894229.953905158,18710798.500881255,18530113,18372066.975737356,19270915.608262144,20973716.259995058,22506113,20915784.747786663,21863219.228254411,22387961.439688884,24780032.354852803,null,"Total Regulatory Common Equity Tier 1 Capital Requirement (E)",13351145.025413264,13975807.503287958,13968157.698344816,15445078.606139913,15997613.728198295,15535243.762113325]
[null,"Insurance Consolidated Group (ICG) Capital Requirements (9)",1019983.8719465,1090628.0789710667,1139616.6711905471,1199849.6807245128,1243035,1232497,1241464.8683459975,1304266.3368819368,1362246,1325595.4660449929,1418922,1430567,1450871.3437077301,1512297.023175539,1558334,1562893,1406416.7156437722,1532424.93,1550764.8428099009,1593589.7628823952,null,"Total Regulatory Tier 1 Capital Requirement (F)",16336792.591470711,17108445.437229492,17131012.851205926,18681850.15004918,19424644.569077246,18788044.388601169]
[null,"FCG Capital Requirements related to operations with ICG",-216359.689664,-235271.52421039998,-236035.95753380001,-329262.2652356,-503013,-500356,-477399.80313140003,-467302.75919020001,-467302.75919020001,-471393.88482669997,-503808.67382350005,-513262,-446149.13768869999,-449113.46062099992,-465142.81488179998,-471371,-518975.30000920006,-625441.06174389995,-680628.27517040004,-652893.13838679995,null,"Regulatory Capital Ratio (A) / (D)",1.2751117488809014,1.3317097414905752,1.4326663140803675,1.3737716167121332,1.3815735635877469,1.3464267338399336]
[null,"ICG Capital Requirements related to operations with FCG ",0,0,0,0," -   "," -   "," -   ","-",0,0,0,"-   ",0,0,0,null,0,0,"-",0,null,"Regulatory Common Equity Tier 1 Capital Ratio (B) / (E)",1.9692791942088737,2.0883333752479514,2.1976040689877836,2.0234567278285231,2.0705015375776226,2.0453737207801277]
[null,"Total Regulatory Capital Requirements (B)",20399512.701782793,20733317.854234707,21074382.949486252,21621522.216419742,20665899,20351739,19371343.726499673,20973221.19945769,21016026.529320516,18748431.535123449,19625911.827057756,19447418,19376789.181756385,20334099.170816682,22066907.445113257,23597635,21803226.163421236,22770203.096510511,23258098.007328384,25720728.979348399,null,"Regulatory Tier 1 Capital Ratio (C) / (F)",1.609381521507381,1.7059495769057629,1.7918660420586132,1.6728775772431685,1.7052092615654455,1.6912552833981134]
[null,"Regulatory Capital Ratio (A) / (B)",1.3145809255070058,1.2858334644589449,1.2676346867593518,1.1901319449862835,1.35,1.36,1.4639771982862033,1.3812534015278823,1.4693392267577914,1.5922351652941233,1.5252079071838331,1.5293366451011645,1.5097091729129881,1.5641683426776858,1.4507039175947591,1.3439550192212057,1.4313317069068034,1.4569376668220875,1.4392236031867194,1.3006093241718206]
[null,"Required Regulatory Capital Ratio (10)",1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(1) Earnings include Banco de Crédito del Perú and Mibanco Perú. Losses include all subsidiaries."]
[null,"(1) Legal and other capital reserves include restricted capital reserves (PEN 14,745 million) and optional capital reserves (PEN 6,661 million).",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(2) Gains include Investment Grade Government Bonds and Peruvian Central Bank Certificates of Deposits. Losses include all bonds."]
[null,"(2) Minority interest includes Tier I (PEN 421 million)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(3) Different to Goodwill. Includes Diferred Tax Assets."]
[null,"(3) Up to 1.25% of total risk-weighted assets of Banco de Crédito del Perú, Solución Empresa Administradora Hipotecaria, Mibanco and ASB Bank Corp.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(4) Investments in Equity."]
[null,"(4) Tier II + Tier III can not be more than 50% of total regulatory capital.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(5) Up to 1.25% of total risk-weighted assets of Banco de Crédito del Perú, Solución Empresa Administradora Hipotecaria, Mibanco and Atlantic Security Bank."]
[]
[null,"(5) Tier I = capital + restricted capital reserves + Tier I minority interest - goodwill - (0.5 x investment in equity and subordinated debt of financial and insurance companies)+ perpetual subordinated debt.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(6) Investments in Tier 2 Subordinated Debt."]
[null,"(6) Tier II = subordinated debt + TierII minority interest tier + loan loss reserves - (0.5 x  investment in equity and subordinated debt of financial and insurance companies)."]
[null,"(7) Tier III = Subordinated debt covering market risk only. "]
[null,"(8) Includes regulatory capital requirements of the financial consolidated group."]
[null,"(9) Includes regulatory capital requirements of the  insurance consolidated group."]
[null,"(10) Regulatory Capital / Total Regulatory Capital Requirements (legal minimum = 1.00)."]

{"sheet":"10.2.Regulatory Capital BCP","index":18,"n_rows":67,"n_cols":31,"rows_kept":67,"cut":false,"hidden":false,"merged":[[3,21,4,30],[21,21,21,30],[28,21,28,30],[3,2,4,18],[66,1,66,17],[63,1,63,17],[55,1,55,17],[56,1,56,17],[57,1,57,17],[58,1,58,17],[59,1,59,17],[60,1,60,17],[61,1,61,17],[62,1,62,17],[65,1,65,17],[64,1,64,17]]}
[null,"Back to index"]
[]
[null,"(Under previous regulation)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Under current peruvian regulation as of January 2023)"]
[null,"Capital Stock","As of",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regulatory Capital","As of"]
[null,"S/000",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," (S/ thousand)"]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23",null,null,"Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Capital Stock",10217386.717,10217386.717,10217386.717010001,10217386.717,10217387,11067387,11067386.717,11067386.717,11317386.717,11317386.717,11317386.71699,11317386.717020001,12176364.760009998,12176364.76,12176364.76,12176364.760009998,12973174.634020001,null,"Capital Stock",12973174.634020001,12973174.634000001,12973174.633990001,12973174.634000001,12973175,12973174.633990001,12973174.634000001,12973174.633990001,12973174.634000001,12973174.634020001]
[null,"Legal and Other capital reserves",4695118.4215200003,4695118.4215200003,4695118.4215200003,4695118.4215399995,4695118,6164175,6164175.0761399996,6166670.1523000002,6707503.3176899999,6707830.731660001,6707830.7316200007,6707830.7316399999,7516510.3336600009,7516896.7645399999,7516896.7645100001,6759526.8764699996,7038881.1541099995,null,"Reserves",7038881.1541100005,7039359.3542499999,7039792.5408699997,6590920.6985399993,6590921,6591330.1807899997,6591330.1808099998,6124301.7074199999,6124301.70744,6125451.8901500003]
[null,"Accumulated earnings with capitalization agreement","-","-",850000,850000,850000," -   "," -   ","-","-","-","-","-","-","-","-","-","-",null,"Accumulated earnings",2050746.1590099996,3346790.4103899999,4474350.7072299998,5383865.0684600007,2644894,3920794.8823799998,5426132.3533600001,6589251.6683200002,3418149.44521,5129249.5846199999]
[null,"Loan loss reserves (1)",1284021.0867599999,1298103.7515499999,1320345.09378,1367259.2169899999,1383834,1603535,1565703.6001600001,1595915.74449,1609750.0467900001,1676768.18196,1720950.8891800002,1735371.6237300001,1707458.3176199999,1797357.8014400001,1845015.5193699999,1838177.6975999998,1634875.6958299999,null,"Loan loss reserves (1)",1634875.6958299999,1625734.9133900001,1667750.4065999999,1695577.33,1662636,1749877.63417,1689306.92084,1757255.8545200001,1740157.7821899999,1757305.03256]
[null,"Perpetual subordinated debt",580650.00000000012,575225.00000000012,592025.00000000012,"-"," -   "," -   "," -   ","-","-","-","-","-","-","-","-","-","-",null,"Perpetual subordinated debt","-",0,"-",0,0,0,0,0,0,0]
[null,"Subordinated Debt",4236504.6720000003,4197063.2480000006,4319204.432,3980903.568,4128099,4248967,4787488.8090000004,4817188.3049999997,6276991.0209999997,5223300,5595900.0000000009,5397450,5007300,5163750,5374349.9999999991,5148900,5078700,null,"Subordinated Debt",5078700,4897800,5120550,5007150,5019300,5171850,7232550,7339800,7152600,6552700]
[null,"Investment in subsidiaries and others, net of unrealized profit and net income",-1722979.2448199999,-1722979.2436700002,-1722979.24367,-1580582.7636200003,-1937102,-1934790,-1934790.35497,-2314790.3541099993,-2281859.3412399995,-2263859.3412600001,-2263804.7708499995,-2263804.77085,-2432571.0485300003,-2436524.7128300001,-2436524.7147600004,-2436524.7147600004,-2838433.7347400002,null,"Unrealized Profit or Losses",-1046284.3501699977,-834410.50988000073,-916336.70297999494,-668716.76031999756,-691921,-621417.39288999746,-322210.36898999661,-413657.73927000258,-341946.98076999886,-200968.69505999796]
[null,"Investment in subsidiaries and others",-1812954.8024499998,-1903858.2904800002,-2006573.7438000001,-1965036.9212200004,-2008782,-2020533,-2018037.20774,-2297879.1981599992,-2295242.7601599996,-2326240.8262,-2377058.1715499996,-2435661.31201,-2535289.4251500005,-2674646.01119,-2774129.3607900003,-2844247.8299600002,-2895934.0590300001,null,"Investment in subsidiaries and others, net of unrealized profit and net income in subsidiaries",-2613562.8868,-2667540.0323099997,-2714749.2971499995,-2772785.8399499995,-2416070,-2465969.4695799998,-2537005.4263400002,-2477731.8568500001,-2310402.0956000001,-2380842.3003699998]
[null,"Unrealized profit and net income in subsidiaries",89975.55763000001,180879.04681,283594.50013,384454.15760000004,71680,85742,83246.852769999983,-16911.15595,13383.418919999998,62381.484940000002,113253.4007,171856.54115999999,102718.37662,238121.29835999999,337604.64603,407723.1152,57500.324290000004,null,"Intangibles",-934718.04270393227,-1036166.7467401844,-1124983.0115531988,-1294278.8893102172,-1209735,-1303791.7293399998,-1330134.96401,-1515213.6930999998,-1509700.5734999999,-1549091.3396400001]
[null,"Goodwill",-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083,-122083,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,null,"Goodwill",-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999,-122083.18850999999]
[null,"Total Regulatory Capital - SBS",19168618.463950001,19137834.70589,20149017.232129999,19408001.971399996,19215253,21027190,21527880.65882,21210287.376170002,23507688.572730001,22539343.100850001,22956180.378430001,22772151.113030002,23852979.174249995,24095761.42464,24354019.140609998,23364361.430809993,23765114.560709998,null,"Total Regulatory Capital",24059729.174786068,25222658.834589817,26397466.088496804,26792823.052909784,25893765.551010005,25893765.551010005,29601060.141160004,30255097.386520006,27124250.730459996,28284895.617770001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tier 1 Common Equity (2)",17346153.47895607,18699123.921199821,19609165.681896806,20090095.722909786,18972037.916840006,18972037.916840006,20679203.220320005,21158041.531999998,18231492.948269997,19974890.585210003]
[null,"Off-balance sheet",84074345,84178682,88421907,86273789,88189663,87017934,85546759,90253383,94853451,96842778,100119715,94628498,87775815,91019217,94156153,93211649,91770539,null,"Regulatory Tier 1 Capital (3)",17346153.47895607,18699123.921199821,19609165.681896806,20090095.722909786,18972037.916840006,18972037.916840006,20679203.220320005,21158041.531999998,18231492.948269997,19974890.585210003]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regulatory Tier 2 Capital (4)",6713575.6958299996,6523534.9133900004,6788300.4066000003,6702727.3300000001,6921727.6341699995,6921727.6341699995,8921856.9208400007,9097055.8545200005,8892757.7821900006,8310005.0325600002]
[null,"Regulatory Tier 1 Capital (2)",14509582.327599999,14504157.328174999,15370957.328185,14850130.568220001,14671871,14971384,14971384.142825,14783879.219415002,15133633.649320001,15142961.063279999,15142988.348435003,15142988.348485002,16220723.526684996,16219133.125405001,16219133.124409996,16219133.124449996,17094342.766109999]
[null,"Regulatory Tier 2 Capital (3)",4659036.1363499993,4633677.377715,4778059.9039449999,4557871.4031799994,4543382,6055806,6556496.5159950005,6426408.1567550004,8374054.9234100003,7396382.0375699997,7813192.0299950019,7629162.7645450011,7632255.6475649998,7876628.2992350003,8134886.0162000004,7145228.3063599989,6670771.7945999997,null,"Total risk-weighted assets","As of"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," (S/ thousand)","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Total risk-weighted assets - SBS (4)",123718427.21442905,128023739.46456322,130413863.53467903,134128850.15176992,142084684,142071064,139910769.16072762,142042877.39649171,142854355.6685355,146936014.41314113,151415294.43704152,152376235.49898833,151045319.16019952,158176423.62807402,163140250.35241207,161938838.14318451,159163097.93826997,null,"Market risk-weighted assets",1715933.6834488444,2307252.2749925638,2576734.2842897442,2680009.8977020127,3032546,3300703.3731486071,4301156.370982633,3922295.2013320266,3903493.4632355575,4400225.6930314647]
[null,"Credit risk-weighted assets",112023536.9816,115994875.68339999,118791052.72450005,122233928.64949992,129331389,128282795,125256288.01304999,125874293.59021005,126638686.65612002,132013902.54231001,135576213.96759999,137707534.61105999,135397191.69812998,142632376.20254001,146511610.11474001,145968019.99019,142566175.84226999,null,"Credit risk-weighted assets",129623884.80217999,128912503.94188002,132297591.50114001,134427146.36267,131793619,138806587.41763002,133937441.63312,139402972.32644001,138028766.07372001,139386096.27308998]
[null,"Market risk-weighted assets (5)",2528029.0768290465,2701436.3723632214,2143263.0249789855,2263835.2503700005,3074766,4010627,4701577.4930776218,4859240.847581666,4708618.6438454809,3127460.2675311002,3792119.0483715339,2408770.4184658369,2231891.0689620236,1868920.6565739971,2618693.0281620757,1560281.0129420196,1715933.683,null,"Operational risk-weighted assets",14880988.41271,15407799.251219999,15862960.427170001,16365973.98457,16842059,17335422.956300002,17871736.547499999,18409113.420030002,18895090.695400003,19384020.728240002]
[null,"Operational risk-weighted assets",9166861.1560000014,9327427.4087999985,9479547.7851999998,9631086.2519000005,9678529,9777642,9952903.6546,11309342.958700001,11507050.36857,11794651.6033,12046961.42107,12259930.469462499,13416236.3931075,13675126.768959999,14009947.20951,14410537.140052497,14880988.413000001,null,"Total",146220806.89833885,146627555.46809259,150737286.21259975,153473130.24494201,151668224,159442713.74707863,156110334.55160266,161734380.94780204,160827350.23235556,163170342.69436145]
[]
[null,"Total capital requirement - SBS",120622866.72434154,16265477.16814632,16547821.673147904,16982136.394306991,16411339,16077302,15355746.746436764,16359369.937859174,16509727.274533551,13925638.273197912,14356116.724262154,14433033.048427634,14355690.512737352,15023680.4772866,16360962.216120111,17730538.764815606,17312243.896608919,null,"Capital requirement","As of"]
[null,"Credit risk capital requirement",123718427.21442905,11599487.56834,11879105.272450006,12223392.864949994,12933139,12828280,12525628.801305,12587429.359021006,12663868.665612003,10561112.203384802,10846097.117408,11016602.7688848,10831775.335850399,11410590.096203201,12453486.859752903,12407281.699166151,12118124.946592949,null," (S/ thousand)","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Market risk capital requirement ",3491859.0560199996,270143.63723632216,214326.30249789858,226383.52503700007,307477,401063,470157.74930776219,485924.08475816663,470861.8643845481,312746.02675311005,379211.90483715339,240877.04184658371,223189.10689620237,186892.06565739971,261869.30281620758,156028.10129420197,171593.3683,null,"Market risk-weighted assets",171589.07861791897,230725.22749925865,257673.428428977,268000.98977020395,303255,330070.33731486404,430115.6370982505,392229.5201331909,390349.34632355574,440022.56930314651]
[null,"Operational risk capital requirement ",396298.56593249994,932742.74087999994,947954.77852000005,963108.62519000005,967853,977764,995290.36546,1130934.2958700003,1150705.0368570001,1179465.1603300001,1204696.1421070001,1225993.0469462499,1341623.6393107502,1367512.676896,1400994.7209510002,1441053.7140052498,1488098.8413000002,null,"Credit risk capital requirement",11018030.2081853,11602125.354770001,11906783.235100001,12098443.17264,11861426,12492592.867590001,12724056.955149999,13243282.37101,13802876.60737,13938609.62731]
[null,"Additional capital requirements","-",3463103.22169,3506435.3196800002,3569251.3791299998,2202871,1870195,1364669.8303639998,2155082.1982100001,2224291.70768,1872314.8827299997,1926111.5599099998,1949560.1907499998,1959102.43068,2058685.6385299999,2244611.3325999998,3726175.2503500003,3534426.7404159694,null,"Operational risk capital requirement ",1488061.6397304998,1540779.9251224999,1586296.0427167497,1636597.3984574999,1684206,1733542.2956302497,1787173.6547502498,1840911.3420032496,1889509.06953975,1938402.0728237501]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Additional capital requirements",3534426.7404159694,3494024.8876080448,3595809.693843706,5383836.7534477254,5418896,5709467.5657067942,5647686.4191168388,6882642.4559635948,7057150.3206888177,7142932.6083716657]
[null,"Common Equity Tier 1 - Basel IFRS (6)","-",14682446.348889999,15048138.08918,15842022.061129998,16146039,15266427,15256857.776570002,15292574.503940001,14897431.838700002,15557626.451650001,16090388.372420002,17024607.78345,16477381.576559996,17160381.866059996,18084114.240970001,18949687.136969998,17588721.381510001,null,"Total",16212107.666949689,16867655.394999802,17346562.400089435,19386878.314315427,19267782,20265673.066241909,20589032.66611534,22359065.689110033,23139885.343922123,23459966.877808563]
[null,"Capital and reserves","-",14912505.138520001,14912505.138529999,14912505.13854,14912505,17231562,17231561.793140002,17234056.8693,17512647.645910002,17512975.059880003,17512975.059830002,17512975.059880003,19180632.704889998,19181019.135759998,19181019.135729998,18423649.247699998,19499813.399350002]
[null,"Retained earnings","-",2377669.5206600004,2809594.5723899999,3622886.1854099999,4273266,742390,785734.48241000006,832931.26140999992,723679.52310000011,1522686.93894,2580201.4613600001,3615645.6846000007,1740667.9013699999,2897372.0881399997,4187467.9943500003,5249494.7595300004,2746521.7790199998]
[null,"Unrealized gains (losses)","-",230992.55508000002,297781.07587,298111.89240000001,-20316,330343,326616.27355000004,691093.77424000006,-68242.32759999999,-123541.92029000001,-583177.97811000003,-495370.73867000005,-780063.1409,-1089746.8504600001,-1274917.9370899999,-549318.88114999991,-467040.53311000002,null,"[1] Up to 1.25% of total risk-weighted assets. "]
[null,"Goodwill and intangibles","-",-934862.57489000005,-965168.95380999998,-1026444.2340000001,-1010634,-1017336,-1069017.5647899997,-1167628.20285,-1179721.56748,-1230017.0211799995,-1228407.4178400002,-1302414.1618200003,-1266217.7645699997,-1312577.9396899999,-1355923.7645900003,-1472073.1840899999,-1454205.1123299999,null,"[2] Common Equity Tier 1 = Capital Stock + Reserves + Accumulated earnings – Unrealized profits or losses - 100% deductions (investment in subsidiaries, goodwill, intangible assets and deferred tax assets based on future returns)."]
[null,"Investments in subsidiaries ","-",-1903858.2904800002,-2006573.7438000001,-1965036.9212200004,-2008782,-2020533,-2018037.20774,-2297879.1981599992,-2090931.4352299997,-2124476.6057000002,-2191202.7528200001,-2306228.06054,-2397638.1242299997,-2515684.5676900004,-2653531.1874300004,-2702064.8050199999,-2736368.15142,null,"[3] Regulatory Tier 1 Capital = Common Equity Tier 1 + Tier 1 Subordinated Debt (Perpetual)."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"[4] Regulatory Tier 2 Capital = Subordinated Debt + Loan loss reserves.  "]
[null,"Risk-Weighted Assets  - Basel IFRS (7)","-",124260802.5991707,125960199.94355173,128238693.61155969,135790140,136054845,133285119.52926262,134192100.06888196,135266151.12182015,138825471.7335678,143602973.580093,142915779.8372333,141697997.56825957,148337778.51149401,152849185.80715221,150535661.8893545,160419724.45514748]
[null,"Total risk-weighted assets ","-",128023739.46456322,130413863.53467903,134128850.15176992,142084684,142071064,139910769.16072762,142042877.39649171,142854355.66853547,146936014.41314113,151415294.43704152,152376235.49898833,151045319.16019952,158176423.62807402,163140250.35241207,161938838.14318451,159163097.93826997]
[null,"  (-) RWA Intangible assets, excluding goodwill.","-",4168753.1241600201,4846465.4121997887,6330168.1855702177,6802121,6841476,7924480.0350000001,9264962.6218797434,9387482.5904000159,10013814.850799624,10137458.872399783,10993752.602150036,10798885.964599948,11347689.822760018,11847403.768479886,13065877.300519997,0]
[null,"  (+) RWA Deferred tax assets generated as a result of temporary differences in income tax, in excess of 10% of CET1","-",405816.25876750017,392801.82107250014,440011.64535999979,507578,825258,1298830.4035349998,1414185.2942700002,1280594.6494374997,1383156.2798184231,1711120.0809999998,1001470.725625,882434.67009000003,884457.05350000004,909119.05135999992,917316.59696999996,0,null,"Capital ratios"]
[null,"  (+) RWA Deferred tax assets generated as a result of past losses","-","-",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,"Regulatory Tier 1 ratio",0.11862985745261355,0.12752803428731313,0.13008835553958464,0.13090301664432163,0.11715822557531892,0.11898968269528477,0.13246530589865876,0.130819689715995,0.11336064992633417,0.12241740904243538]
[null,"  (+) IFRS Adjustments (11)","-",0,0,0,0,0,0,0,518683.39424720034,520115.89140788419,614017.93445125804,531826.21477000066,569129.70257000416,624587.65267999843,647220.17186001176,745384.44972000434,1256626.5168774989,null,"Regulatory Global Capital ratio",0.16454381346365965,0.17201854558694107,0.1751223386844436,0.17457663768340836,0.16121449407886521,0.16240168611332634,0.18961627509276333,0.18706657922216613,0.11336064992633417,0.12241740904243538]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Common Equity Tier 1 ratio IFRS (9)(12)",0.11926381531193125,null,null,null,null,null,null,null,0.16865446512220833,0.17334581242346941]
[]
[null,"Capital ratios"]
[null,"Regulatory Tier 1 ratio (8)",0.11727907195628957,0.11329271734161248,0.11786290898511437,0.11071540948436322,0.1033,0.10539999999999999,0.10700666026377194,0.10408039804873839,0.10593750241983886,0.10305819933772273,0.10000963512131503,9.937893726601181E-2,0.10738977955007797,0.10253824655652627,9.9418341515191813E-2,0.10015591880503193,0.10740142022581071]
[null,"Common Equity Tier 1 ratio (9)(12)",0.11393124052453596,0.11815830931215945,0.11946740395715257,0.12353542924506186,0.11890000000000001,"11,22%",0.11446782529403347,0.11396031879738219,0.11013421846595926,0.11206608021839114,0.11204773808841613,0.11912335924583917,0.11628521121918055,0.11568450086186452,0.11831344828873663,0.12588171400141879,0.11926381531193125]
[null,"Regulatory Global Capital ratio (10)  ",0.15493745673574486,0.14948660917053844,0.1545005775154577,0.14469669984823838,0.13519999999999999,0.14799999999999999,0.1538686463376458,0.14932313231704408,0.16455703056947604,0.15339563408516005,0.15161071055457467,0.14944686773798918,0.15791935365406054,0.15233472139499904,0.14928271280693126,0.14427892467742351,0.14931296807207844]
[null,"Risk-weighted assets / Regulatory capital ",6.4542172116943943,6.689562399928227,6.472467715532976,6.9110076528962008,7.39,6.76,6.4990498311502858,6.696886038238147,6.0769205456572672,6.5190903637116158,6.5958400718663883,6.6913413117041953,6.332346079573048,6.564491606657632,6.6986992746662466,6.9310192201375491,6.6973419182000722]
[]
[null,"(1) Up to 1.25% of total risk-weighted assets."]
[null,"(2) Regulatory Tier 1 Capital = Capital + Legal and other capital reserves + Accumulated earnings with capitalization agreement + (0.5 x Unrealized profit and net income in subsidiaries) -  Goodwill - (0.5 x Investment in subsidiaries)  + Perpetual subordinated debt (maximum amount that can be included is 17.65% of Capital + Reserves + Accumulated earnings with capitalization agreement + Unrealized profit and net income in subsidiaries - Goodwill)."]
[null,"(3) Regulatory Tier 2 Capital = Subordinated debt + Loan loss reserves + Unrestricted Reserves + (0.5 x Unrealized profit and net income in subsidiaries) - (0.5 x Investment in subsidiaries)."]
[null,"(4) Since July 2012, Total  Risk-weighted assets = Credit risk-weighted assets * 1.00 + Capital requirement to cover market risk * 10 + Capital requirement to cover operational risk * 10 * 1.00 (since July 2014)"]
[null,"(5) It includes capital requirement to cover price and rate risk."]
[null,"(6) Common Equity Tier I = Capital + Reserves – 100% of applicable deductions (investment in subsidiaries, goodwill, intangibles and net deferred taxes that rely on future profitability) + retained earnings + unrealized gains. Figures differ from previously reported cause current calculations are based on IFRS figures."]
[null,"(7) Adjusted Risk-Weighted Assets =  Risk-weighted assets  - ( RWA Intangible assets, excluding goodwill, + RWA Deferred tax assets generated as a result of temporary differences in income tax, in excess of 10% of CET1, + RWA Deferred tax assets generated as a result of past losses). Figures differ from previously reported cause current calculations are based on IFRS figures."]
[null,"(8) Regulatory Tier 1 Capital /  Total Risk-weighted assets"]
[null,"(9) Common Equity Tier I / Adjusted Risk-Weighted Assetsd Risk-Weighted Assets"]
[null,"(10) Total Regulatory Capital / Total Risk-weighted assets (legal minimum = 10% since July 2011)"]
[null,"(11) Adjustments for differences in balance assets under Local Accounting (which regulatory Rwas are calculated) and IFRS in the Right of  use account (lease). As of March 2022, the 'Right of Use' account increased to S/ 364M, explained the 64% of the adjustment. The rest adjustments correspond to differences in stock of provisions and Deferred Taxes."]
[null,"(12) Common Equity Tier I calculated based on IFRS Accounting"]

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[null,"Back to index"]
[]
[]
[null,"(Under previous regulation)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(Under current peruvian regulation as of January 2023)"]
[null,"Regulatory Capital and Capital Adequacy Ratios - SBS","As of",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"As of"]
[null,"S/000",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regulatory Capital"]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22",null," (S/ thousand)","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"Capital Stock",0,1173726.10326,1331484.21826,1331484.21826,1331484,1714369,1714368.5412600001,2114499.8121199994,1714577.0349999999,1714577.0349999999,1714577.0349999999,1714577.0349999999,1840606.3130000001,1840606.3130000001,1840606.3130000001,1840606.3130000001,null,"Capital Stock",1840606.3130000001,1840606.3130000001,1840606.3130000001,1840606.3130000001,1840606.3130000001,1840606.3130000001,1840606,1840606.3130000001,1840606.3130000001,1840606.3130000001]
[null,"Legal and Other capital reserves",0,207128.71451000002,207128.71451000002,207128.71451000002,207129,246305,246305.30802999999,246305.30802999999,246305.30802999999,246305.30802999999,246305.30802999999,246305.30802999999,264220.50734000001,264220.50734000001,264220.50734000001,264220.50734000001,null,"Reserves",308055.96045000001,308055.96045000001,308055.96045000001,308055.96045000001,334650.01791999995,334650.01792000001,334650,334650.01792000001,365846.95094000001,365846.95094000001]
[null,"Accumulated earnings with capitalization agreement",0,0,0,0,156000," -   "," -   ",0,4.8881352500000004,46524.328179999997,94945.318499999994,143318.38834,0,0,0,0,null,"Accumulated earnings",556971.96161,611151.17044000002,669894.25060999999,717918.95877999999,310119.26357999997,356449.2231,424627,369573.47798000003,168090.06140000001,238272.25605]
[null,"Loan loss reserves (1)",0,130046.26011999998,131240.69211999996,137997.25432999997,141004,144980,127730.07562,133220.61859999999,139072.95139999999,138555.06604999999,146213.35407999999,155005.7372,163710.78608999998,173947.21030999997,176520.15561999998,183154.74015999999,null,"Loan loss reserves (1)",168964.83893312505,170901.02447,163157.70538999996,157368.00815000001,154451.94214,150126.61381000001,143193,144751.17822999999,149412.05994000004,153732.14608000001]
[null,"Perpetual subordinated debt",0,null,null,null," -   "," -   "," -   ","-","-","-","-","-","-","-","-","-",null,"Perpetual subordinated debt",0,0,0,0,0,0,0,0,0,0]
[null,"Subordinated Debt",0,242009,154000,130000,130000,130000,130000,130000,285000,185000,185000,185000,185000,179000,179000,179000,null,"Subordinated Debt",179000,173000,173000,173000,173000,167000,167000,167000,267000,261000]
[null,"Investment in subsidiaries and others, net of unrealized profit and net income",0,0,0,0," -   "," -   "," -   ","-",0,0,0,0,0,0,0,0,null,"Unrealized Profit or Losses",-15467.42175,-4727.2935200000002,-13583.678370000001,-1694.861169999999,-4984.1599299999998,-600.29813999999988,6366,-3728.1322599999999,-4036.6937800000001,3034.9003099999995]
[null,"Investment in subsidiaries and others",0," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   ",null,"Investment in subsidiaries and others, net of unrealized profit and net income in subsidiaries",-280.70588000000004,-275.20236,-276.20566999999994,-282.28940999999998,-283.41823999999997,-287.81228000000004,-293,-298.18309000000005,-295.00846000000001,-148.32701999999998]
[null,"Unrealized profit and net income in subsidiaries",0," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   ",null,"Intangibles",-135201.91042,-138239.22616000002,-140573.29962999999,-156884.33362999998,-150274.39300000001,-123177.43221954998,-128688,-136691.44606000002,-119758.83007,-124514.86806000001]
[null,"Goodwill",0,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180,-139180,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33346999998,null,"Goodwill",-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33346999998,-139180.33347000001,-139180,-139180.33347000001,-139180.33347000001,-139180.33347000001]
[null,"Accumulated Losses",0," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   "," -   ",null,"Total Regulatory Capital",2763468.7024731254,2821292.4128500004,2861100.7123100003,2898907.4227000005,2518105.2319999998,2585586.2917204499,2648281,2576682.8922500005,2527684.5194999999,2598649.0378299998]
[null,"Total Regulatory Capital - SBS",0,1613729.7444200001,1684673.2914200001,1667429.85363,1826436,2096473,2079223.5914400001,2449641.8971599997,2245779.84909525,2191781.4037899999,2247860.6821400002,2305026.1350999996,2314357.2729600002,2318593.6971800001,2321166.64249,2327801.2270300002,null,"Tier 1 Common Equity (2)",2415503.8635400003,2477391.3883800004,2524943.0069200005,2568539.4145500003,2190653.2898599999,2268459.6779104499,2338088,2264931.7140200003,2111272.4595599999,2183916.8917499995]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regulatory Tier 1 Capital (3)",2415503.8635400003,2477391.3883800004,2524943.0069200005,2568539.4145500003,2190653.2898599999,2268459.6779104499,2338088,2264931.7140200003,2111272.4595599999,2183916.8917499995]
[null,"Regulatory Tier 1 Capital (2)",0,1238938.2561899999,1396696.3711900001,1396696.3712000002,1552693,1818754,1818754.3566299998,2183682.11937,1823858.6623500001,1865494.8552800003,1913912.30669,1962285.37653,1962906.4343500002,1962906.4343500002,1962906.4343500002,1962906.4343500002,null,"Regulatory Tier 2 Capital (4)",347964.83893312514,343901.02447,336157.70538999996,330368.00815000001,327451.94214,317126.61381000001,310193,311751.17822999996,416412.05994000006,414732.14607999998]
[null,"Regulatory Tier 2 Capital (3)",0,374791.48822999996,287976.92023000005,270733.48242999997,273743,277719,260469.23480999999,265959.77779000002,426804.43385999993,326286.54850999994,333948.37544999993,342740.75856999995,351450.83860999998,355687.26283000002,358260.20814,364894.79268000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total risk-weighted assets","As of"]
[null,"Total risk-weighted assets - SBS (4)","-",10859989.967130002,10985106.285330001,11535997.6314,13030959,13154838,11755497.30782,12356336.410290001,12595302.689029999,12703309.078240002,13430936.244229997,14055964.809169998,14825319.20191,15638132.254909996,15882852.908610003,15850328.947740003,null," (S/ thousand)","Mar 23","Jun 23","Sep 23","Dic 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"Credit risk-weighted assets",0,10108443.557330001,10203773.326730002,10759342.963099999,10929378,11052499,9736476.3139199987,10314642.275590001,10530894.151429998,10662694.282440001,11320727.053529996,12017913.073169999,12747978.85541,13605109.718009995,13811479.672910003,14345663.022340003,null,"Market risk-weighted assets",141441.02344000002,181226.66510000001,163852.83240000001,220327,252255.383,249119.7892,238117,241964.4675,225498.31090000001,193276.38430000001]
[null,"Market risk-weighted assets (5)",0,95837.452900000004,105055.83,78798.632299999997,152782,160484,114638.3121,134862.01309999998,184495.07860000004,170320.4332,229234.5245,149356.94080000001,177097.25659999999,105570.1985,115614.4814,96802.938099999985,null,"Credit risk-weighted assets",13160337.023019999,13372354.411370002,12799766.024530001,12349400,12151596.077910002,11811649.750939999,11263844,11419696.498939998,11793101.98333,12139569.74839]
[null,"Operational risk-weighted assets",0,655708.95689999999,676277.12859999994,697856.03599999996,1948798,1941855,1904382.6817999999,1906832.1216,1879913.459,1870294.3625999999,1880974.6662000001,1888694.7952000001,1900243.0899,1927452.3384000002,1955758.7542999999,1407862.9872999999,null,"Operational risk-weighted assets",1427428.04871,1470725.6253,1522681.4892999998,1527140,1559737.3143,1584652.5290000001,1594338,1605950.3822000001,1623262.0364999999,920354.07170000009]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",14729206.095169999,15024306.701770002,14486300.34623,14096867,13963588.775210002,13645422.069139998,13096299,13267611.348639999,13641862.330730001,13253200.204389999]
[null,"Total capital requirement",0,1474499.7717330002,1487011.4035530002,1550779.17521,1448821,1462850,1176549.7307819999,1236633.641029,1399941.8398929997,1384066.0291639999,1463847.7444429998,1533787.233217,1618510.021371,1708934.0330109997,1744815.0024910003,1950544.920990047]
[null,"Credit risk capital requirement",0,1010844.3557330001,1020377.3326730002,1075934.2963099999,1092938,1105250,973647.63139199989,1031464.227559,1053089.4151429997,1066269.4282440001,1132072.7053529997,1201791.3073169999,1274797.8855409999,1360510.9718009995,1381147.9672910003,1434566.3022340003,null,"Capital requirement","As of"]
[null,"Market risk-weighted assets ",0,9583.7452900000008,10505.583000000001,7879.8632299999999,15278,16048,11463.83121,13486.201309999999,18449.507860000005,17032.043320000001,22923.452450000001,14935.694080000001,17709.72566,10557.019850000001,11561.44814,9680.2938099999992,null," (S/ thousand)","Mar 23","Jun 23","Sep 23","Dic 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"Operational risk capital requirement ",0,65570.895690000005,67627.71286,69785.603600000002,194880,194185,190438.26817999998,190683.21216,187991.34590000001,187029.43625999999,188097.46662000002,188869.47951999999,190024.30898999999,192745.23384000003,195575.87542999999,140786.29872999998,null,"Market risk-weighted assets",14144.102344000003,18122.666510000003,16385.283240000001,22032.7,25225.5383,24911.978920000001,23812,24196.446749999999,22549.83109,19327.638429999999]
[null,"Additional capital requirements",0,388500.77502,388500.77502,397179.41207000002,145725,147366,1000,1000,140411.57099000001,113735.12134000001,120754.12002,128190.75230000001,135978.10118,145120.80752000003,156529.71163000001,365512.02621604683,null,"Credit risk capital requirement",1118628.6469567001,1203511.8970233002,1215977.77233035,1111446,1093643.6470119001,1063048.4775799999,1070065,1084871.1674000002,1179310.1983399999,1213956.9748399998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Operational risk capital requirement ",142742.804871,147072.56253,152268.14892999997,152714,155973.73142999999,158465.25289999999,159434,160595.03821999999,162326.20365000001,92035.407170000006]
[null,"Common Equity Tier 1 - Basel IFRS (6)",0,1703865.2555199997,1703865.2555199997,1748169.2458313331,1653165,1819014,1790674.791895,2097426.9223799994,1741594.3105049995,1827004,1919613.3353299997,2030024.5217499994,2133203,2254710.7308000005,2392636.0348100001,2431336.76192,null,"Additional capital requirements",398602.64123832004,405891.38508004509,399691.17104300245,568058.97579608043,164046.54705000002,159457.27163999999,160510,184428.09846000001,176896.52974999999,182093.54622999998]
[null,"Capital and reserves",0,1380854.8177700001,1380854.8177700001,1538612.9327700001,1538613,1960674,1960673.84929,2360805.1201499994,2489011.2472699997,2489011,2489011.2472699997,2489011.2472699997,2632956,2632955.7245800002,2632955.7245800002,2632955.7245800002,null,"Total",1674118.1954100202,1774598.5111433452,1784322.3755433524,1854251.6757960804,1438889.4637918998,1405882.9810399998,1413821,1454090.75083,1541082.7628299999,1507413.5666699999]
[null,"Retained earnings",0,520041.09606000001,520041.09606000001,422060.91651999997,329218,70284,73928.053140000004,-35203.508119999999,-371756.908,-316452,-239537.09275000001,-119674.10037,-160683,-32701.286789999991,114341.10065000004,161295.22694999998]
[null,"Unrealized gains (losses)",0,2091.3918800000001,2091.3918800000001,4208.666940000001,5549,11181,8213.6161199999988,7690.7981600000003,2040.9920199999999,697,-6760.5570700000007,-6547.8715400000001,-8191,-13045.216539999999,-16074.09266,-12686.14594,null,"[1] Up to 1.25% of total risk-weighted assets. "]
[null,"Goodwill and intangibles",0,-198922.34589999999,-198922.34589999999,-216488.5461186672,-219993,-222904,-229447.17639000001,-235865.48780999999,-322049.89024000004,-321948,-323100.26212000003,-332764.75360999996,-330879,-332498.49044999992,-338586.69776000001,-350228.04367000004,null,"[2] Common Equity Tier 1 = Capital Stock + Reserves + Accumulated earnings – Unrealized profits or losses - 100% deductions (investment in subsidiaries, goodwill, intangible assets and deferred tax assets based on future returns)."]
[null,"Excess DT of 10% CET1 Basilea",0,-199.70428999999999,-199.70428999999999,-224.72427999999999,"                -  ","                -  ",-22693.550264999983,"                -  ",-55651.130545000015,-24304,-17190.602650000015,null,"                -  ","                -  ","                -  ",null,null,"[3] Regulatory Tier 1 Capital = Common Equity Tier 1 + Tier 1 Subordinated Debt (Perpetual)."]
[null,"Investments in subsidiaries ","-",null,null,null,-223,-221,null,null,0,0,0,null,null,null,null,null,null,"[4] Regulatory Tier 2 Capital = Subordinated Debt + Loan loss reserves.  "]
[]
[null,"Adjusted Risk-Weighted Assets  - Basel IFRS (7)",0,10624841.659240002,10732859.396850001,11134451.327867666,12447266,12512838,11042007.34918,11851947.62933537,11826457.989423817,12052925,12713765.985629875,13324701.212053444,14022901,14787084.821969504,14956199.983226199,14772094.653758937,null,"Capital ratios "]
[null,"Total risk-weighted assets ",0,10859989.967130002,10985106.285330001,11535997.6314,13030959,13154838,11755497.30782,12356336.410290001,12595302.689029999,12703309,13430936.244229997,14055964.80917,14825319,15638132.254909996,15882852.908610003,15850328.947740003,null,"Common Equity Tier 1 ratio",0.16399416560082572,0.16489222681324395,0.17429867851505002,0.18220640192959189,0.1568832572432336,0.16624327678663145,0.17853043825587672,0.17071134015786255,0.154764240275618,0.16478411689778877]
[null,"  (-) RWA Intangible assets, excluding goodwill.",0,235148.30789000003,252246.88847999991,401546.30353233492,583693,642000,713489.95864000008,746453.65671463183,840797.45279719017,836447,1049844.3382500003,1175375.92175,1166501,1199442.9625399997,1280505.3493000001,1408551.27422,null,"Tier 1 Capital ratio",0.16399416560082572,0.16489222681324395,0.17429867851505002,0.18220640192959189,0.1568832572432336,0.16624327678663145,0.17853043825587672,0.17071134015786255,0.154764240275618,0.16478411689778877]
[null,"  (+) RWA Deferred tax assets generated as a result of temporary differences in income tax, in excess of 10% of CET1",0,"-","-"," -   "," -   "," -   ","-",242064.87576,226263.55180874997,232440,238754.52286249999,224039.71492500001,161572,169071.87693,169071.87693,159880.33335,null,"Regulatory Global Capital ratio",0.18761830641906233,0.18778187032867388,0.19750389291456255,0.20564196446628888,0.18033367156088634,0.18948379013998548,0.20221598483663208,0.19420849952121369,0.18528881601495673,0.19607709819166708]
[null,"  (+) IFRS Adjustments",0,"-","-"," -   "," -   "," -   ","-","-",280073.10284519201,269854,-22981.458487620577,188455.06285844385,168871,157644.74006950855,171773.91782869585,158795.92498893544]
[null,"  (+) RWA for Market Risk difference (exchange risk) for temporary difference",0,0,0,"-","-","-","-","-",0,25202,37182.074674999996,31617.546849999995,33640,21678.912599999989,13006.629157500001,11640.721900000002]
[null,"  (-) RWA assets that exceed 10% of CET1 SBS",0,0,null,"-","-","-","-","-",426731.63779557974,352031,80965.755129999816,0,0,0,0,0]
[null,"  (-) RWA difference between excees SBS and Basel methodology",0,0,0,"-","-","-","-","-",7652.2636673550614,-10598,1246.8145300000665,0,0,0,0,0]
[]
[null,"Capital ratios"]
[null,"Regulatory Tier 1 ratio (8)",0,0.11408281775028356,0.12714454780061712,0.1210728725704929,0.1192,0.13830000000000001,0.15471522037779947,0.17672569334964791,0.1448046710253742,0.14685109555237696,0.14250028977035961,0.13960517141091736,0.13240230497682046,0.12552051628375857,0.12358651469257893,0.12384010709316405]
[null,"Common Equity Tier 1 ratio (9)(11)",0,0.16036617863742147,0.15875221993684824,0.15700542346940422,0.1328,0.1454,0.16216931716025157,0.17696896644974613,0.14726254573114581,0.15158179446068071,0.15098699610325544,0.15235047221273912,0.15212280254991459,0.15247837947410203,0.15997619966926152,0.16458984449448522]
[null,"Regulatory Global Capital ratio (10)  ",0,0.14859403639453497,0.15335976254228761,0.14454145249574241,0.14019999999999999,0.15939999999999999,0.17687244843796252,0.19824985463490688,0.17830296774457305,0.17253625730829367,0.16736440716154047,0.16398917942624749,0.15610842784834159,0.14826538485451277,0.1461429288457182,0.14686138279558586]
[null,"Risk-weighted assets / Regulatory capital ",0,6.7297451786347615,6.5206152084661628,6.9184305452406871,7.13,6.27,5.6537918077769307,5.0441398902490029,5.6084316074455058,5.7958832282606307,5.9749860616110446,6.0979633137913227,6.4058040541635215,6.744662626285038,6.8426163886156353,6.8091419334644625]
[]
[null,"(1) Up to 1.25% of total risk-weighted assets."]
[null,"(2) Regulatory Tier 1 Capital = Capital + Legal and other capital reserves + Accumulated earnings with capitalization agreement + (0.5 x Unrealized profit and net income in subsidiaries) -  Goodwill - (0.5 x Investment in subsidiaries)  + Perpetual subordinated debt (maximum amount that can be included is 17.65% of Capital + Reserves + Accumulated earnings with capitalization agreement + Unrealized profit and net income in subsidiaries - Goodwill)."]
[null,"(3) Regulatory Tier 2 Capital = Subordinated debt + Loan loss reserves + Unrestricted Reserves + (0.5 x Unrealized profit and net income in subsidiaries) - (0.5 x Investment in subsidiaries)."]
[null,"(4) Since July 2012, Total  Risk-weighted assets = Credit risk-weighted assets * 1.00 + Capital requirement to cover market risk * 10 + Capital requirement to cover operational risk * 10 * 1.00 (since July 2014)"]
[null,"(5) It includes capital requirement to cover price and rate risk."]
[null,"(6) Common Equity Tier I = Capital + Reserves – 100% of applicable deductions (investment in subsidiaries, goodwill, intangibles and net deferred taxes that rely on future profitability) + retained earnings + unrealized gains."]
[null,"(7) Adjusted Risk-Weighted Assets =  Risk-weighted assets  - ( RWA Intangible assets, excluding goodwill, + RWA Deferred tax assets generated as a result of temporary differences in income tax, in excess of 10% of CET1, + RWA Deferred tax assets generated as a result of past losses). Figures differ from previously reported cause current calculations are based on IFRS figures."]
[null,"(8) Regulatory Tier 1 Capital /  Total Risk-weighted assets"]
[null,"(9) Common Equity Tier I / Adjusted Risk-Weighted Assetsd Risk-Weighted Assets"]
[null,"(10) Total Regulatory Capital / Total Risk-weighted assets (legal minimum = 10% since July 2011)"]
[null,"(11) Common Equity Tier I calculated based on IFRS Accounting"]

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[null,"Back to index"]
[]
[]
[null," ",2019,2020,2021,2022,2023,2024,2025]
[]
[null,"GDP (US$ Millions)",236517.49630949,209722.55853082601,229791.49611685699,248403.12357429601,272221.34890892199,295160.36734752503,319636.84992729512]
[null,"Real GDP (% change)",2.2404198261899921,-10.93761741958069,13.366839971497029,2.8099921871960589,-0.4031185461340101,3.3319029941819309,3.2486368897709212]
[null,"GDP per capita (US$)",7361,6428,6956,7438,8072,8671,9305.2279316355107]
[null,"Domestic demand (% change)",2.8112923520883726,-9.2851746778241875,13.869962003552061,2.3871931569849636,-1.0540580273872564,3.9728439885938371,4.8033017452822548]
[null,"Gross fixed investment (as % GDP)",22.14280423644729,20.642258930761955,24.684513247015285,24.839889959548962,22.481117904675653,22.104545676923191,22.74010478994224]
[null,"Financial system loan without Reactiva (% change) (1)",6.4,-4.3,12.6,9.6999999999999993,2.8,1.3,7]
[null,"Inflation, end of period (2)",1.9000915791624635,1.9732322294607343,6.4303871634072465,8.4591620000000063,3.2448888991439588,1.9663027014282335,2]
[null,"Reference Rate, end of period",2.25,0.25,2.5,7.5,6.75,5,4.25]
[null,"Exchange rate, end of period",3.31,3.6179999999999999,3.9910000000000001,3.81,3.7069999999999999,3.7570000000000001,3.65]
[null,"Exchange rate, (% change) (3)",1.7804154302670697E-2,-9.3051359516616264E-2,-0.10309563294637926,4.535204209471317E-2,2.7034120734908244E-2,-1.3487995683841377E-2,2.8480170348682492E-2]
[null,"Fiscal balance (% GDP)",-1.5916949073831508,-8.7106622473447626,-2.4854980402089497,-1.677904233682173,-2.7447094729454942,-3.4582185556383092,-2.8]
[null,"Public Debt (as % GDP)",26.150468998556342,33.950221340665841,35.309561170894824,33.341152358586676,32.359804094804637,32.098447519606957,32]
[null,"Trade balance (US$ Millions)",6892.8231520348563,8097.5883864346688,15114.699675101831,10330.588681369933,17149.876194019096,24080.575890999855,28500]
[null,"(As % GDP)",2.9142973604859224E-2,3.8610955555572472E-2,6.5775713768865832E-2,4.1587998301801182E-2,6.2999747311357962E-2,8.1584719884316731E-2,8.9163686873033055E-2]
[null,"Exports",47995.150309630299,42821.588343901371,63113.901287430839,66339.2306694203,67107.543530058363,76171.929544073791,86000]
[null,"Imports",41102.327157595442,34723.999957466702,47999.201612329009,56008.641988050367,49957.667336039267,52091.353653073937,57500]
[null,"Current account balance (As % GDP)",-7.0092653684371122E-3,7.5018310412211494E-3,-2.2152450226268983E-2,-4.0145009330337975E-2,3.2338139335240769E-3,2.164923561830712E-2,1.7999999999999999E-2]
[null,"Net international reserves (US$ Millions)",68315.894679999998,74706.911240000001,78495.490170000005,71883.365300000005,71033,78987,86000]
[null,"(As % GDP)",0.28884076546542953,0.35621781349295922,0.34159440839395688,0.28938188967056239,0.26093838813415676,0.26760706632066172,0.26905533582739799]
[null,"(As months of imports)",19.945117292671544,25.817386705969895,19.624198953302031,15.401201546433471,17.062365908047209,18.195802825793283,17.947826086956521]
[null,"Source: INEI, BCRP and SBS."]
[null,"(1) Financial System, Current Exchange Rate"]
[null,"(2) Inflation target: 1% - 3%"]
[null,"(3) Negative % change indicates depreciation."]
[null,"(4) Grey area indicate estimates by BCP Economic Research as of August 2025."]

{"sheet":"Annexes >>","index":21,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"Hoja1","index":22,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"12.1.Physical Channels","index":23,"n_rows":21,"n_cols":28,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
[null,"Back to index"]
[]
[]
[]
[null,"BCP Stand-alone's Physical Channels","As of"]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"Branches",405,403,404,404,404,403,393,388,388,363,359,357,351,342,339,339,333,327,323,321,319,319,319,319,319,319]
[null,"ATMs",2244,2261,2266,2285,2290,2291,2299,2317,2306,2291,2248,2222,2241,2228,2287,2287,2313,2349,2363,2431,2422,2430,2451,2473,2473,2449]
[null,"Agentes BCP",6759,6940,7051,7187,6869,6939,6997,7003,6860,6818,6998,8054,7838,8773,9348,9348,9899,10215,10101,10684,9978,10116,10112,10600,10600,10330]
[null,"Total BCP's Network",9408,9604,9721,9876,9563,9633,9689,9708,9554,9472,9605,10633,10430,11343,11974,11974,12545,12891,12787,13436,12719,12865,12882,13392,13392,13098]
[]
[]
[]
[null,"Credicorp Physical Point of Contact (1)","As of"]
[null,"(Units)","Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 25","Jun 25"]
[null,"Branches (2)",785,783,784,781,783,781,770,765,760,730,721,717,706,691,681,678,665,669,661,659,655,650,648,648,648,649]
[null,"ATMs",2543,2561,2569,2586,2597,2599,2609,2627,2616,2596,2554,2532,2551,2540,2598,2595,2626,2663,2677,2746,2737,2745,2766,2787,2768,2763]
[null,"Agentes",7122,7328,7489,7633,7424,7522,7661,7667,7710,7669,7896,9622,8916,9863,10970,10935,11589,11570,11452,12034,11697,11861,11857,12434,11683,12386]
[null,"Total ",10450,10672,10842,11000,10804,10902,11040,11059,11086,10995,11171,12871,12173,13094,14249,14208,14880,14902,14790,15815,15089,15256,15271,15869,15099,15798]
[null,"(1) Includes physical point of contact of BCP Stand-alone, BCP Bolivia and Mibanco Peru"]
[null,"(2) Includes Banco de la Nacion branches."]

{"sheet":"12.5.1.Credicorp Consolidated ","index":24,"n_rows":80,"n_cols":85,"rows_kept":80,"cut":false,"hidden":false,"merged":[[7,1,7,2],[7,21,7,22],[79,46,79,54],[50,1,50,3],[51,1,51,3],[52,1,52,3],[53,1,53,3],[58,1,58,3],[59,1,59,3],[60,1,60,3],[77,1,77,3],[78,46,78,54],[59,21,59,39],[58,21,58,39],[57,21,57,39],[75,21,75,23],[76,21,76,23],[77,21,77,23],[31,1,31,3],[32,1,32,3],[37,1,37,3],[41,2,41,3],[42,2,42,3],[33,1,33,3],[34,1,34,3],[55,21,55,23],[41,22,41,23],[42,22,42,23],[48,21,48,23],[49,21,49,23],[50,21,50,23],[38,1,38,3],[40,1,40,3],[44,1,44,3],[45,1,45,3],[49,1,49,3],[43,2,43,3],[46,2,46,3],[47,2,47,3],[48,2,48,3],[39,1,39,3],[23,2,23,3],[25,2,25,3],[13,1,13,3],[15,1,15,3],[14,1,14,3],[16,1,16,3],[24,2,24,3],[18,1,18,3],[44,21,44,23],[36,21,36,23],[37,22,37,23],[38,22,38,23],[39,22,39,23],[40,22,40,23],[36,1,36,3],[26,1,26,3],[27,1,27,3],[28,1,28,3],[29,1,29,3],[30,1,30,3],[30,21,30,23],[31,22,31,23],[32,22,32,23],[33,22,33,23],[6,21,6,23],[6,1,6,3],[19,21,19,23],[20,21,20,23],[21,22,21,23],[22,22,22,23],[14,21,14,23],[15,21,15,23],[16,21,16,23],[17,21,17,23],[18,21,18,23],[19,1,19,3],[20,1,20,3],[21,1,21,3],[22,1,22,3],[9,21,9,23],[9,1,9,3],[11,2,11,3],[12,2,12,3],[10,22,10,23],[11,22,11,23],[7,4,7,19],[8,1,8,3],[10,1,10,3],[85,1,85,19],[56,21,56,23],[51,21,51,23],[53,21,53,23],[78,1,78,2],[70,1,70,3],[72,1,72,3],[68,1,68,3],[69,1,69,3],[73,1,73,3],[74,1,74,3],[75,1,75,3],[76,1,76,3],[67,1,67,3],[81,1,81,19],[82,1,82,19],[83,1,83,19],[79,1,79,19],[84,1,84,19],[54,1,54,3],[55,1,55,3],[56,1,56,3],[57,1,57,3],[80,1,80,19],[3,1,3,19],[4,1,4,19],[12,22,12,23],[13,21,13,23],[5,1,5,19],[35,1,35,3],[10,46,10,48],[15,46,15,48],[16,46,16,48],[17,46,17,48],[8,46,8,48],[24,47,24,48],[26,46,26,48],[27,46,27,48],[7,24,7,39],[7,41,7,44],[25,47,25,48],[28,46,28,48],[18,46,18,48],[19,46,19,48],[20,46,20,48],[21,46,21,48],[22,46,22,48],[17,1,17,3],[26,22,26,23],[27,22,27,23],[29,21,29,23],[45,21,45,23],[46,21,46,23],[47,22,47,23],[35,21,35,23],[7,46,7,47],[7,64,7,65],[9,46,9,48],[11,47,11,48],[12,47,12,48],[13,46,13,48],[14,46,14,48],[23,47,23,48],[25,22,25,23],[23,22,23,23],[24,22,24,23],[16,64,16,66],[18,64,18,66],[19,64,19,66]]}
[null,"Back to index"]
[]
[]
[null,"Credicorp Ltd. And Subsidiaries",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Credicorp Ltd. and Subsidiaries",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Credicorp Ltd. and Subsidiaries",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Credicorp Ltd. and Subsidiaries"]
[null,"Consolidated Statement of Financial Position",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Consolidated Statement of Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Consolidated Statement of Financial Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Consolidated Statement of Income"]
[null,"(In S/  thousands, IFRS)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(In S/ Thousands, IFRS)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"( IFRS, under current regulation as of January 2023)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"( IFRS, under current regulation as of January 2023)"]
[]
[null,"S/ 000",null,null,"As of",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S/ 000",null,null,"As of",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,"S/ 000",null,null,null,null,null,null,null,"As of ",null,null,null,null,null,null,null,null,null,"S/ 000",null,null,null,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,"Year"]
[null,null,null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22",null,null,null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22",null,"2019","2020","2021","2022",null,null,null,null,"Mar 22","Jun 22","Sep 22","Dic 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25",null,null,null,null,"1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2022,2023,2024]
[null,"ASSETS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest income and expense",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ASSETS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest income and expense"]
[null,"Cash and due from banks",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest and dividend income",null,3001674,3083623,3123672,3172695,3163609,2727369,2953570,2703100,2816073,2891579,3051000,3091754,3172346,3488113,3988681,4362142,null,12381664,11547648,11850406,15011282,null,"Cash and due from banks",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest and similar income",null,3172346,3488113,3988684,4362139,4456106,4653246,4819101,4870042,4925926,4935238,4995971,5012121,4894790,4922292,null,15011282,18798495,19869256]
[null,null,"Non-interest bearing",null,7015680,6350168,6138225,6177356,6787357,6685864,6916416,8176612,7281695,8883164,8360631,6925332,6748517,7017129,6919212,7286624,null,null,"Interest expense (1)",null,-804506,-831220,-847272,-807645,-784082,-766019,-791665,-633880,-692690,-582537,-599901,-614520,-638256,-748085,-987222,-1119124,null,-3289913,-2976306,-2490802,-3493187,null,null,"Non-interest bearing",null,6748517,7017129,6919212,7286624,6946112,7154236,8047624,7952371,8024262,7705769,7222945,7535259,7015098,7266155,null,null,"Interest and similar expenses",null,-740639,-851007,-1106283,-1221735,-1324017,-1449090,-1565058,-1522358,-1499803,-1466774,-1405221,-1382327,-1322778,-1306921,null,-3919664,-5860523,-5754125]
[null,null,"Interest bearing",null,15104170,17488649,20258177,19809406,19538429,29430518,28221543,28576382,31895249,29075474,36147225,32395408,29563512,23831465,29330082,26897216,null,null,"Net interest income",null,2197168,2252403,2276400,2365050,2379527,1961350,2161905,2069220,2123383,2309042,2451099,2477234,2534090,2740028,3001459,3243018,null,9091751,8571342,9359604,11518095,null,null,"Interest bearing",null,29563512,23831465,29330082,26897216,28158941,26036894,24907836,25978577,31134572,27157901,37007966,40119937,37521839,34206000,null,null,"Net interest, similar income and expenses",null,2431707,2637106,2882401,3140404,3132089,3204156,3254043,3347684,3426123,3468464,3590750,3629794,3572012,3615371,null,11091618,12937972,14115131]
[]
[null,"Total cash and due from banks",null,null,22119850,23838817,26396402,25986762,26325786,36116382,35137959,36752994,39176944,37958638,44507856,39320740,36312029,30848594,36249294,34183840,null,"Gross provision for credit losses on loan portfolio",null,null,-453285,-510045,-568034,-568727,-1388711,-2557658,-1348726,-785194,-622982,-441007,-265158,-229804,-350681,-447036,-545249,-815589,null,-2100091,-6080289,-1558951,-2158555,null,"Total cash and due from banks",null,null,36312029,30848594,36249294,34183840,35105053,33191130,32955460,33930948,39158834,34863670,44230911,47655196,44536937,41472155,null,"Gross provision for credit losses on loan portfolio",null,null,-350681,-447036,-545249,-815589,-802107,-886123,-1008750,-1260163,-910189,-1193548,-981870,-857694,-695733,-683965,null,-2158555,-3957143,-3943301]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Recoveries of written-off loans",null,null,70074,61751,65262,57068,47230,17201,42821,52529,65335,77627,100744,103022,93091,83745,85273,84908,null,254155,159781,346728,347017,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Recoveries of written-off loans",null,null,93091,83745,85273,84908,75109,81872,91108,86709,95490,100177,113789,114398,113840,108806,null,347017,334798,423854]
[null,"Cash collateral, reverse repurchase agreements and securities borrowing",null,null,4026447,4445749,3903051,4288524,4424345,2920789,2821116,2394302,1769690,1616654,2555337,1766948,1516855,2046209,1586967,1101856,null,"Provision for credit losses on loan portfolio, net of recoveries",null,null,-383211,-448294,-502772,-511659,-1341481,-2540457,-1305905,-732665,-557647,-363380,-164414,-126782,-257590,-363291,-459976,-730681,null,-1845936,-5920508,-1212223,-1811538,null,"Cash collateral, reverse repurchase agreements and securities borrowing",null,null,1516855,2046209,1586967,1101856,1468180,1863243,1513622,1410647,1526232,1777491,1419305,1033177,1835893,4593501,null,"Provision for credit losses on loan portfolio, net of recoveries",null,null,-257590,-363291,-459976,-730681,-726998,-804251,-917642,-1173454,-814699,-1093371,-868081,-743296,-581893,-575159,null,-1811538,-3622345,-3519447]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0]
[null,"Fair value through profit or loss investments",null,null,4136148,4024490,3808137,3850762,4185638,5118994,6658680,6467471,8083128,6791288,6661600,5928538,4628870,4187000,4550783,4199334,null,"Risk-adjusted net interest income",null,null,1813957,1804109,1773628,1853391,1038046,-579107,856000,1336555,1565736,1945662,2286685,2350452,2276500,2376737,2541483,2512337,null,7245815,2650834,8147381,9706557,null,"Fair value through profit or loss investments",null,null,4628870,4187000,4550783,4199334,4080266,4508563,5558973,4982661,4448122,4282606,4642121,4715343,5149628,4819230,null,"Net interest, similar income and expenses, after provision for credit losses on loan portfolio \n",null,null,2174117,2273815,2422425,2409723,2405091,2399905,2336401,2174230,2611424,2375093,2722669,2886498,2990119,3040212,null,9280080,9315627,10595684]
[null,"Fair value through other comprehensive income investments",null,null,27184560,26800577,26794192,26202723,28388372,32213665,40712831,43743889,45681969,40273400,33261505,34758443,35452509,32955721,34263930,30786161,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fair value through other comprehensive income investments",null,null,35452509,32955721,34263930,30786161,33395987,33344169,35475821,37043940,38047888,39156806,39833059,40142638,41705253,37852722]
[null,"Amortized cost investments",null,null,3639821,3589360,3353898,3477046,4242643,4304385,4277475,4962382,5647635,7707956,8187351,8265559,8064050,8200054,8028557,10445729,null,"Non-financial income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amortized cost investments",null,null,8064050,8200054,8028557,10445729,10253251,10182619,10082119,10188927,10059376,8986734,8853694,8967877,8749729,8931495,null,"Other income"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fee income ",null,782922,787250,815403,847206,760329,503488,775805,873155,830771,862411,876391,924161,891031,920492,934244,894552,null,3232781,2912778,3493734,3640319,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fee income ",null,891628,920950,934984,895295,881781,960550,975955,986173,856565,947228,982818,973338,994024,1024553,null,3642857,3804459,3759949]
[null,"Loans",null,null,108350384,109381123,112209990,115609679,120708515,132741720,136148711,137659885,137031239,143091752,146551226,147597412,144621513,150370184,151392202,148626374,null,null,"Net gain on foreign exchange transactions ",null,178423,188358,188073,193528,166983,149308,155028,151464,179889,238440,246649,263017,259710,269059,262167,293215,null,748382,622783,922917,1084151,null,"Loans",null,null,144621513,150370184,151392202,148626374,145165713,142845549,145129260,144976051,140798083,146946546,142568785,145732273,141196646,140961978,null,null,"Net gain on foreign exchange transactions ",null,259710,269059,262167,293215,248515,210944,208620,218047,305370,349349,319857,385230,343814,377016,null,1084151,886126,1359806]
[null,null,"Current",null,105197197,106095844,108863601,112311888,117129011,128898890,132005867,132984154,132162756,138037399,141077541,142046154,138748514,144264928,145142071,142686630,null,null,"Net gain on sales of securities ",null,113545,100987,150427,102011,-120633,280563,135957,162523,16287,-69947,5739,2550,-56866,-94180,-25459,77512,null,466970,458410,-45371,-98993,null,null,"Current",null,138748514,144264928,145142071,142686630,139376216,136866154,138722915,138849564,134593059,140715785,136542444,140309061,135990251,135917766,null,null,"Net loss on securities ",null,-56866,-94180,-25460,77513,70036,68603,53591,115825,61745,92711,120033,-47377,-28149,179174,null,-98993,308055,227112]
[null,null,"Internal overdue loans",null,3153187,3285279,3346389,3297791,3579504,3842830,4142844,4675731,4868483,5054353,5473685,5551258,5872999,6105256,6250131,5939744,null,null,"Net gain from associates ",null,14786,20478,21842,22738,19225,14906,11245,19297,29405,12302,19090,13224,24014,29219,25806,25422,null,79844,64672,74021,104461,null,null,"Internal overdue loans",null,5872999,6105256,6250131,5939744,5789497,5979395,6406345,6126487,6205024,6230761,6026341,5423212,5206395,5044212,null,null,"Net gain from associates ",null,24014,29219,25806,25422,27212,23689,32056,34132,32295,28728,35600,38560,24068,6556,null,104461,117089,135183]
[null,null,"Less - allowance for loan losses ",null,-4862801,-4878150,-4977809,-5123962,-5931772,-8412544,-9656383,-9898760,-9744298,-9391151,-9077449,-8477308,-8262383,-8306500,-8030104,-7872402,null,null,"Net gain on derivatives held for trading ",null,-2434,-724,2158,7043,35430,8358,-21297,18298,69723,52606,43365,46546,-5982,12304,53008,5857,null,6043,40789,221064,65187,null,null,"Less - allowance for loan losses ",null,-8262383,-8306500,-8030104,-7872402,-7915350,-7956184,-8056216,-8277916,-8190343,-8350024,-8250023,-7994977,-7742792,-7658595,null,null,"Net gain (loss) on derivatives held for trading ",null,-5982,12304,53008,5857,-6570,16671,38545,5019,39984,41748,-3499,77962,18499,21418,null,65187,53665,156195]
[null,"Loans, net",null,null,103487583,104502973,107232181,110485717,114776743,124329176,126492328,127761125,127286941,133700601,137473777,139120104,136359130,142063684,143362098,140753972,null,null,"Net gain from exchange differences ",null,13490,63,-11775,17745,-20849,23845,6530,11152,-5536,32959,-4809,-22083,-17060,-17066,-4071,22039,null,19520,19804,-3215,-16158,null,"Loans, net",null,null,136359130,142063684,143362098,140753972,137250363,134889365,137073044,136698135,132607740,138596522,134318762,137737296,133453854,133303383,null,null,"Net gain (loss) from exchange differences",null,-8363,-18441,-5917,33108,22963,2996,4564,15255,-5621,-7933,-6139,-21365,15959,10195,null,387,45778,-41058]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other non-financial income ",null,75605,98703,133128,75274,117770,35195,39498,94517,73991,62923,52258,76748,147902,84152,64491,32064,null,344229,286981,266567,329382,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Others",null,135257,78673,56664,-2548,89338,149671,89272,112372,102221,139499,96675,176384,322001,58461,null,268046,440653,514779]
[null,"Financial assets designated at fair value through profit or loss ",null,null,576618,588074,617387,620544,559321,662634,729059,823270,888420,921851,981508,987082,856337,765195,767425,768801,null,null,"Total non-financial income",null,1176337,1195115,1299256,1265545,958255,1015663,1102766,1330406,1194530,1191694,1238683,1304163,1242749,1203980,1310186,1350661,null,4897769,4406217,4929717,5108349,null,"Financial assets designated at fair value through profit or loss ",null,null,856337,765195,767425,768801,795225,789845,797545,810932,868239,891335,900107,932734,871626,904621,null,null,"Total other income",null,1239398,1197584,1301252,1327862,1333275,1433124,1402603,1486823,1392559,1591330,1545345,1582732,1690216,1677373,null,5066096,5655825,6111966]
[null,"Accounts receivable from reinsurers and coinsurers",null,null,805009,862521,779961,791704,787672,817773,833039,919419,981379,1043042,1097493,1198379,1166096,1105527,1063972,1106674,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,"-"]
[null,"Premiums and other policyholder receivables",null,null,845702,884572,793858,838731,822669,799644,801480,937223,827807,780824,801531,921103,873505,816076,803886,913124,null,"Insurance underwriting result",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property, plant and equipment, net ",null,null,1864825,1837436,1786136,1824931,1786992,1749132,1752950,1857240,1815570,1792615,1836732,1841147,2681862,2646168,null,"Insurance underwriting result"]
[null,"Property, plant and equipment, net ",null,null,2262407,2235241,2230152,2250013,2203086,2104654,2073864,2077803,1996860,1944127,1911478,1895196,1864825,1837436,1786136,1824931,null,null,"Net earned premiums",null,584209,584579,604877,620578,627935,552061,595394,652669,643928,639944,675571,712087,690536,695547,751936,735276,null,2394243,2428060,2671530,2873295,null,"Due from customers on acceptances",null,null,524448,743925,697119,699678,496170,226161,325771,412401,322346,473382,466957,528184,639749,559370,null,null,"Insurance Service Result",null,309258,320290,422963,249836,406877,393487,417014,385043,458997,407666,419805,407149,416106,446835,null,1302347,1602421,1693617]
[null,"Due from customers on acceptances",null,null,611142,534637,434457,535222,555598,331591,256238,455343,532584,558934,776863,532404,524448,743925,697119,699678,null,null,"Net claims",null,-383817,-374688,-385487,-387426,-373502,-328783,-513091,-492738,-623353,-691335,-517951,-509278,-478506,-492258,-478039,-481087,null,-1531418,-1708113,-2341917,-1929890,null,"Investments in associates",null,null,629009,636217,660849,726993,660741,675623,707457,748663,691908,712728,729770,763918,1002,43199,null,null,"Reinsurance Result",null,-102591,-126093,-119203,-113012,-110536,-96923,-86114,-97748,-179935,-92166,-128030,-94466,-86972,-95962,null,-460899,-391321,-494597]
[null,"Investments in associates",null,null,574283,576333,603487,628822,618310,626992,627786,645886,620603,627683,648041,658697,629009,636217,660849,726993,null,null,"Acquisition cost (1)",null,-91281,-91666,-94239,-88662,-112507,-87598,-86643,-75065,-85822,-84944,-87416,-75152,-70484,-66247,-75055,-70021,null,-365848,-361814,-333334,-281807,null,"Intangible assets and goodwill, net",null,null,2703238,2729609,2767341,2899429,2942367,3046846,3118496,3225499,3161382,3295236,3167296,3289157,4420422,4444424,null,null,"Total insurance underwriting result",null,206667,194197,303760,136824,296341,296564,330900,287295,279062,315500,291775,312683,329134,350873,null,841448,1211100,1199020]
[null,"Intangible assets and goodwill, net",null,null,2050664,2061611,2099563,2552274,2424404,2474740,2474665,2639297,2599291,2647676,2682216,2710080,2703238,2729593,2767341,2899429,null,null,"Total insurance underwriting result",null,109111,118225,125151,144490,141926,135680,-4340,84866,-65247,-136335,70204,127657,141546,137042,198842,184168,null,496977,358133,-3721,661598,null,"Reinsurance contract assets ",null,null,2058568,1930298,760116,744008,1971470,780587,803868,872046,957474,959661,880563,841170,1126512,949932]
[null,"Other assets (1)",null,null,5219974,5539096,6565418,5350496,7507302,8681365,7780221,6825759,8109764,8455556,9995835,6783467,6949490,7645232,7327839,6364696,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other assets (1)",null,null,6901336,7598783,7268200,6279425,8132168,8063007,8293532,6658149,7506630,12278373,8480513,7641103,9049787,8897012,null,"Medical services result"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sale of medical services",null,"-","-","-","-","-","-","-","-","-","-","-","-",78121,473746,null,"-","-","-"]
[null,"Total Assets",null,null,177540208,180484051,185612144,187859340,197821889,221502784,231676741,237406163,244203015,245028230,251542391,244846740,237900391,236580463,243916196,236775218,null,null,"Salaries and employee benefits",null,-834317,-845835,-845345,-885526,-891183,-825997,-803438,-792335,-857559,-882177,-915564,-1013176,-977953,-975420,-1021946,-1077461,null,-3411023,-3312954,-3668476,-4052780,null,"Total Assets",null,null,237871204,236542725,242748815,235414157,238338233,233310290,238458658,238840188,241171741,248067159,249759790,256088940,254222254,249417212,null,null,"Cost of sales of medical services",null,"-","-","-","-","-","-","-","-","-","-","-","-",-35432,-350427,null,"-","-","-"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Administrative, general and tax expenses ",null,-538157,-552653,-570290,-693458,-542104,-510694,-591212,-749393,-580842,-672805,-802547,-898677,-725539,-850560,-868805,-1063611,null,-2361117,-2386108,-2953717,-3505101,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,"Total medical services result",null,null,"-","-","-","-","-","-","-","-","-","-","-","-",42689,123319,null,"-","-","-"]
[null,"LIABILITIES AND EQUITY",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Depreciation and amortization ",null,-131325,-158663,-165195,-175168,-169959,-169310,-166105,-158494,-166765,-163869,-170960,-181660,-164514,-168845,-173500,-176645,null,-624439,-669915,-683254,-683504,null,"LIABILITIES AND EQUITY"]
[null,"Deposits and obligations",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Impairment loss on goodwill",null,0,0,0,0,0,0,-63978,0,0,0,0,0,0,0,0,0,null,0,-63978,null,null,null,"Deposits and obligations",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total expenses"]
[null,null,"Non-interest bearing",null,26856618,25339482,26707196,28316170,32231854,41310487,45680396,47623119,48469215,52879988,54546530,51851206,50939859,46043988,46625814,43346151,null,null,"Association in participation ",null,-2736,-4746,-5348,-9806,-6430,-17944,-10566,-17079,-13906,-8879,-10426,-13965,-7691,-10329,-9999,-12936,null,-22636,-52019,-47176,-40955,null,null,"Non-interest bearing",null,50939859,46043989,46625814,43346151,41596964,39475762,40363636,42234498,41706139,43190989,47436563,47160191,49620679,45734508,null,null,"Salaries and employee benefits",null,-939518,-942159,-984336,-1036148,-1029558,-1054735,-1061402,-1119758,-1107069,-1141823,-1155966,-1271578,-1361690,-1262520,null,-3902161,-4265453,-4676436]
[null,null,"Interest bearing",null,76870639,77817562,80684524,83689215,87331691,88353845,91522278,94742383,100157124,96281815,98001838,97745339.191449672,96976105,101396587,105332186,103674636,null,null,"Other expenses ",null,-47441,-20555,-93056,-123261,-169630,-104453,-166710,-265255,-61199,-132717,-77688,-115687,-74485,-49244,-66903,-143956,null,-245833,-706049,-387938,-338275,null,null,"Interest bearing",null,96976105,101396587,106166200,103674636,107026336,103911955,108107899,105470496,106150988,108780995,106998888,114681875,107998403,108988826,null,null,"Administrative, general and tax expenses ",null,-696065,-819100,-869873,-1029027,-835060,-871046,-1007894,-1089203,-821748,-947558,-971449,-1150867,-869834,-965994,null,-3414065,-3803203,-3891622]
[null,null,"Total deposits and obligations",null,103727257,103157044,107391720,112005385,119563545,129664332,137202674,142365502,148626339,149161803,152548368,149596545.19144967,147915964,147440575,151958000,147020787,null,null,"Total expenses",null,-1553976,-1582452,-1679234,-1887219,-1779306,-1628398,-1802009,-1982556,-1680271,-1860447,-1977185,-2223165,-1950182,-2054398,-2141153,-2474609,null,-6665048,-7191023,-7740561,-8620615,null,null,"Total deposits and obligations",null,147915964,147440576,152792014,147020787,148623300,143387717,148471535,147704994,147857127,151971984,154435451,161842066,157619082,154723334,null,null,"Depreciation and amortization ",null,-151894,-156892,-162009,-165694,-161079,-160549,-159761,-177618,-175146,-172204,-179495,-186625,-203766,-212662,null,-636489,-659007,-713470]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","",null,null,null,null,null,"Impairment loss on goodwill",null,"-",0,null,0,0,0,null,-71959,0,0,-23046,-4300,0,null,null,0,-71959,-27346]
[null,"Payables from repurchase agreements and securities lending",null,null,8806221,10448517,7684690,7678016,8254726,22437742,27778922,27923617,26657010,25963227,23363030,22013866,19388995,18138863,16575580,12966725,null,"Profit before income tax ",null,null,1545429,1534997,1518801,1376207,358921,-1056162,152417,769271,1014748,1140574,1618387,1559107,1710613,1663361,1909358,1572557,null,5975513,224161,5332816,6855889,null,"Payables from repurchase agreements and securities lending",null,null,19388995,18138863,16575580,12966725,11686495,14306880,11738020,10168427,9491276,7689689,7383104,9060710,10158614,11265393,null,null,"Association in participation ",null,-7691,-10329,-9999,-12936,-12612,-16742,-14634,-9109,-8847,-9200,-6414,-3808,-6799,-371,null,-40955,-53097,-28269]
[null,null,"BCRP instruments",null,4984192,6304186,4144908,4381011,5346373,19441733,25344724,25734963,24303193,23329990,20746109,19692474,17532350,16031618,14449597,11297658.642349999,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BCRP instruments",null,17532350,16031618,14449597,11297658.642349999,9780540,11772772,9616150,7461674,6854368,5542892,4788939,6646830,7064476,5096459,null,null,"Other expenses ",null,-79351,-52637,-71373,-119982,-88599,-92232,-106778,-193895,-99672,-124420,-111859,-409049,-90785,-188763,null,-323343,-481504,-745000]
[null,null,"Repurchase agreements with third parties",null,2324385,2455665,2031025,1820911,1935879,2091798,1204487,1072920,1159587,1276678.3399999999,1330810.794,1296277,1218028,1340423,1182946,976020.2585130462,null,null,"Income tax",null,-422165,-414466,-403221,-383250,-145746,414726,-55829,-103460,-337599,-423491,-428037,-471860,-546001,-513181,-575083,-476236,null,-1623182,109977,-1660987,-2110501,null,null,"Repurchase agreements with third parties",null,1218028,1340423,1182946,976020.2585130462,1206574,1276709,1266852,2608631,2527339,2077638,2517833,2298494,2872797,5974353,null,null,"Total expenses",null,-1874519,-1981117,-2097590,-2363787,-2126908,-2195304,-2350469,-2661542,-2212482,-2395205,-2448229,-3026227,-2532874,-2630310,null,-8317013,-9334223,-10082143]
[null,null,"Repurchase agreements with customers",null,1497644,1688666,1508757,1476094,972474,904211,1229711,1115734,1194230,1356558.6600000001,1286110.206,1025115,638617,766822,943037,693046.09913695441,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Repurchase agreements with customers",null,638617,766822,943037,693046.09913695441,699381,1257399,855018,98122,109569,69159,76332,115386,221341,194581,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net profit",null,null,1123264,1120531,1115580,992957,213175,-641436,96588,665811,677149,717083,1190350,1087247,1164612,1150180,1334275,1096321,null,4352331,334138,3671829,4745388,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Profit before income tax ",null,null,1745663,1684479,1929847,1510622,1907799,1934289,1719435,1286806,2070563,1886718,2111560,1755686,2519284,2561467,null,6870611,6848329,7824527]
[null,"Due to banks and correspondents",null,null,7219120,9222278,8624286,8841732,9854630,8374009,6601722,5978257,5305933,6239161,7466434,7212946,6362990,6456360,9002035,8937411,null,"Non-controlling interest",null,null,22397,21958,22545,20127,3901,-21046,-8018,12407,16351,17614,26651,26631,27786,28420,31855,24231,null,87027,-12756,87247,112292,null,"Due to banks and correspondents",null,null,6362990,6456360,9002035,8937411,10199650,10062290,10493411,12278681,10684673,12620346,12704234,10754385,10899579,11152813]
[null,"Bonds and notes issued",null,null,15472882,15058760,17160564,14946363,15178148,17250531,16425832,16319407,17863198,16951481,17577630,17823145.808550328,16044671,16579674,17853708,17007194,null,"Net profit attributable to Credicorp",null,null,1100867,1098573,1093035,972830,209274,-620390,104606,653404,660798,699469,1163699,1060616,1136826,1121760,1302420,1072090,null,4265304,346894,3584582,4633096,null,"Bonds and notes issued",null,null,16044671,16579674,17019694,17007194,14326930,14235697,14914632,14594785,17541121,17953508,16952011,17268443,14391733,12112403,null,null,"Income tax",null,-546000,-513182,-575083,-476236,-493466,-504472,-455865,-434648.23401114997,-528466,-519344,-555117,-598348,-704469,-696969,null,-2110501,-1888451.23401115,-2201275]
[null,"Banker’s acceptances outstanding",null,null,611142,534637,434457,535222,555598,331591,256238,455343,532584,558934,776863,532404,524448,743925,697119,699678,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Banker’s acceptances outstanding",null,null,524448,743925,697119,699678,496170,226161,325771,412401,322346,473382,466957,528184,639749,559370]
[null,"Reserves for property and casualty claims",null,null,1465338,1525832,1547981,1576228,1637791,1791871,1982653,2050474,2248082,2492303,2583777,2555580,2475580,2551089,2608744,2643176,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Insurance contract liability",null,null,12399125,12015617,10773031,11154008,12634605,11567408,11653015,12318133,12343975,12814831,13289394,13422285,13874732,13804935,null,"Net profit",null,null,1199663,1171297,1354764,1034386,1414333,1429817,1263570,852157.76598885003,1542097,1367374,1556443,1157338,1814815,1864498,null,4760110,4959877.76598885,5623252]
[null,"Accounts payable to reinsurers",null,null,280663,302079,220731,216734,198473,221118,222194,338446,290866,317185,278220,463825,414506,343959,328031,420094,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Financial liabilities at fair value through profit or loss",null,null,232185,527541,333453,191010,417146,413665,455350,641915,309228,811015,698747,151485,736192,840022,null,"Non-controlling interest",null,null,27786,28420,31855,24231,30060,28550,25397,10331,30440,28278,32655,30625,37118,42483,null,112292,94338,121998]
[null,"Financial liabilities at fair value through profit or loss",null,null,517255,548367,417695,493700,533146,480952,352889,561602,772385,313256,879177,337909,232185,527541,333453,191010,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other liabilities",null,null,7655867,7926902,7694342,7842131,9019443,8471819,8499868,7613787,8185785,10707332,9752701,8084148,9487673,9884442,null,"Net profit attributable to Credicorp",null,null,1171877,1142877,1322909,1010155,1384273,1401267,1238173,841826.76598885003,1511657,1339096,1523788,1126713,1777697,1822015,null,4647818,4865539.76598885,5501254]
[null,"Other liabilities",null,null,8093950,6607565,8072467,6445645,9984867,8235529,7675618,6343266,7326432,7789038,10434536,7294149,7656939,7927550,7780443,7961651]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Liabilities",null,null,210524245,209829458,214887268,205818944,207403739,202671637,206551602,205733123,206735531,215042087,215682599,221111706,217807354,214342712]
[null,"Total Liabilities",null,null,153432221,154817871,159152000,161113030,174099078,197626694,207609937,211960516,219184441,219451302,225836947,217809301,210498860,209859785,216238253,207195509]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net equity",null,null,26818054,26167811,27292658,29003644,30359898,30027036,31267592,32460004,33853460,32413767,33462591,34346451,35843202,34459012]
[null,"Net equity",null,null,23692091,25221894,26000638,26237960,23205639,23396062,23594717,24945870,24529958,25073706,25192569,26496767,26872626,26175222,27109054,28988140,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Capital stock",null,null,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993]
[null,"Capital stock",null,null,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Treasury stock",null,null,-207700,-207518,-207518,-207518,-208041,-208035,-208033,-208033,-208343,-208918,-208901,-208879,-209845,-209845]
[null,"Treasury stock",null,null,-207897,-207839,-207839,-207839,-209309,-209309,-209305,-208433,-207840,-207756,-207745,-207534,-207700,-207518,-207518,-207518,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Capital surplus",null,null,227361,231179,225832,231556,226189,231019,225338,228239,201965,172303,179027,176307,124149,133388]
[null,"Capital surplus",null,null,222349,227380,222605,226037,165188,160430,157767,192625,224591,224103,215071,228853,227361,231179,225832,231556,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                                                                                                    ",null,null,null,null,null,null,null,null,null,"Reserves",null,null,21292614,23666823,23687946,23659626,23603001,26221577,26239162,26252578,26213432,28008038,27187346,27202665,32792830,29602851]
[null,"Reserves",null,null,19408876,19423324,19416912,19437645,21360272,21381402,21405740,21429635,21707166,21725663,21350150,21364272,21292614,23666823,23687946,23659626,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Unrealized gains and losses ",null,null,-159962,-782829,-996001,-276172,-244725,-13015,-29526,295783,243405,267987,470550,214627,33460,19199]
[null,"Unrealized gains and losses ",null,null,1128884,1541235,1844990,1088189,359565,1151939,1224135,1865898,840581,677159,19435,235902,-449414,-1098325,-1482023,-650116,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Retained earnings",null,null,4346748,1941163,3263406,4277159,5664481,2476497,3721658,4572444,6084008,2855364,4515576,5642738,1783615,3594426]
[null,"Retained earnings",null,null,1820886,2918801,3404977,4374935,210930,-407393,-302613,347152,646467,1335544,2496665,3556281,4690772,2264070,3565824,4635599,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Non-controlling interest",null,null,528905,545456,568889,591569,574596,611617,639464,647061,582750,611305,614600,630783,571698,615488]
[null,"Non-controlling interest",null,null,415896,444286,459506,508350,517172,480028,472087,499777,488616,503222,512875,540672,528905,545456,568889,591569,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Net Equity",null,null,27346959,26713267,27861547,29595213,30934494,30638653,31907056,33107065,34436210,33025072,34077191,34977234,36414900,35074500]
[null,"Total Net Equity",null,null,24107987,25666180,26460144,26746310,23722811,23876090,24066804,25445647,25018574,25576928,25705444,27037439,27401531,26720678,27677943,29579709,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total liabilities and equity",null,null,237871204,236542725,242748815,235414157,238338233,233310290,238458658,238840188,241171741,248067159,249759790,256088940,254222254,249417212]
[null,"Total liabilities and equity",null,null,177540208,180484051,185612144,187859340,197821889,221502784,231676741,237406163,244203015,245028230,251542391,244846740,237900391,236580463,243916196,236775218,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,null,null,null,0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Off-balance sheet",null,null,142337944,142573498,151545926,150977864,154477055.43690756,144709112,151484019,149769480,162365717,164970468,155876986,151223851,144439635,144197254]
[null,"Off-balance sheet",null,null,121965125,125418778,133337813,125344301,131725399,129132266,131512273,133568004,150250539,149828527,154907974,151136879,142337944,142573498,151545926,150977864,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total performance bonds, stand-by and L/Cs.",null,null,21196817,21331467,21399132,20928054,18731789,18654864,18945883,20051616,20466103,20671941,20206333,22139322,20843657,21026042]
[null,"Total performance bonds, stand-by and L/Cs.",null,null,18784417,19666170,20416414,21081035,20426402,19271152,18519960,20973810,21761484,22723385,22665879,22914343,21196817,21331467,21399132,20928054,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Undrawn credit lines, advised but not committed",null,null,80155277,84820503,87600569,86597041,87232214.480129853,85762478,88183227,87091701,88546531,90965846,88226431,85269774,79021358,75858566]
[null,"Undrawn credit lines, advised but not committed",null,null,76521908,76368545,80887384,75613805,79703253,80651014,81926284,86074859,90946335,91280633,94165966,88382322,80155277,84820503,87600569,86597041,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total derivatives (notional) and others",null,null,40985850,36421528,42546225,43452769,48513051.956777714,40291770,44354909,42626163,53353083,53332681,47444222,43814755,44574620,47312646]
[null,"Total derivatives (notional) and others",null,null,26658800,29384063,32034015,28649461,31595744,29210100,31066029,26519335,37542720,35824509,38076129,39840214,40985850,36421528,42546225,43452769]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(1) Includes mainly accounts receivables from brokerage and others."]
[null,"(1) Includes mainly accounts receivables from brokerage and others.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"* Due to reclassifications, the Balance Sheet may differ from those reported in previous quarters."]

{"sheet":"12.5.2 Credicorp Stand-alone","index":25,"n_rows":63,"n_cols":35,"rows_kept":63,"cut":false,"hidden":false,"merged":[[39,29,39,34]]}
[null,"Back to index"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Credicorp Ltd."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Separate Statement of Financal Position"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"(In S/ thousands, IFRS)"]
[]
[null,"S/ 000",null,null,null,null,null,null,null,null,null,null,null,null,"As of "]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 24","Jun 25"]
[null,"ASSETS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"."]
[null,"Cash and cash equivalents",794477,577299,560164,139900,1817197,1817197,1842421,1114167,800622,1019773,598770,179104,168634,115612,125092,136399,131218,122665,79883,529773,510036,265981,594754,399943,399817,141342]
[null,"At fair value through profit or loss",2038,1959,1891,"-",0,0,0,234825,583176,520413,1091138,1050218,947826,938816,967331,958939,949378,937921,937279,501026,0,0,0,null,0,0]
[null,"Fair value through other comprehensive income investments ",591978,561781,528791,521939,469393,469393,459217,463421,490778,397551,342485,346979,343373,332280,313739,306343,318962,317479,303303,1418293,1427450,1455030,1279564,1262327,1232139,109057]
[null,"In subsidiaries and associates investments ",25033370,25995314,27590609,29806937,27118956,27118956,27361569,29118425,28688953,29354310,29862234,31168827,31647183,31251710,32308088,33878317,35207564,34755621,36167571,36150565,37392797,36415839,37481263,38291133,39435439,38318421]
[null,"Investments at amortized cost",0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,166977,640723,668698,629491,695652,686418,0]
[null,"Other assets",812449,45935,41633,970,91,91,300,191,137049,345,328,172,106,230,4,117,69217,197,324,99,294639,1560,856336,6777,250990,9359]
[]
[null,"Total Assets",27234312,27182288,28723088,30469746,29405637,29405637,29663507,30931029,30700578,31292392,31894955,32745300,33107122,32638648,33714254,35280115,36676339,36133883,37488360,38766733,40265645,38807108,40841408,40655832,42004803,38578179]
[]
[null,"LIABILITIES AND NET SHAREHOLDERS' EQUITY"]
[]
[null,"Due to banks, correspondents and other entities",null,null,null,0,0,0,0,0,0,0,471912,0,0,240996,256528,0,"-","-",30165,30866,0,0,0,null,0,0]
[null,"Bonds and notes issued",null,null,null,0,1756654,1756654,1795528,1794879,1875925,1914141,2066412,1980311,1850185,1901462,1993778,1898066,1885839,1803725,1851185,1798858,1816584,1859959,1814219,1829657,1796058,0]
[null,"Other liabilities",2047537,158384,936343,207598,102383,102383,99861,110827,133300,149936,143382,159403,195286,164451,206576,220623,267558,161170,206963,255707,296682,214061,1294018,230660,276279,150294]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"Total Liabilities",2047537,158384,936343,207598,1859037,1859037,1895389,1905706,2009225,2064077,2681706,2139714,2045471,2306909,2456882,2118689,2153397,1964895,2088313,2085431,2113266,2074020,3108237,2060317,2072337,150294]
[]
[null,"NET EQUITY"]
[null,"Capital stock",1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993,1318993]
[null,"Treasury stock",-171,-62,-62,-62,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Capital Surplus",381343,387429,387429,387429,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542,384542]
[null,"Reserve",19093318,19093318,19093318,19093318,21070409,21070409,21070409,21070409,21417403,21417403,20945491,20945491,20945491,23300350,23300350,23300350,23300350,25905604,25905576,25905526,25910975,27689804,26651433,26651390,32291005,28465226]
[null,"Unrealized results",910658,1320093,1627108,866271,935610,935610,1020916,1666481,652340,495986,-281545,62163,-638233,-1285376,-1661404,-835079,-592006,-362199,-215370,68056,17616,40503,292640,35535,-245864,-323985]
[null,"Retained earnings",3482634,4904133,5359959,8596199,3837046,3837046,3973258,4584898,4918075,5611391,6845768,7894397,9050858,6613230,7914891,8992620,10111063,6922048,8006306,9004185,10520253,7299246,9085563,10205055,6183790,8583109]
[]
[null,"Total net equity",25186775,27023904,27786745,30262148,27546600,27546600,27768118,29025323,28691353,29228315,29213249,30605586,31061651,30331739,31257372,33161426,34522942,34168988,35400047,36681302,38152379,36733088,37733171,38595515,39932466,38427885]
[]
[null,"Total Liabilities And Equity",27234312,27182288,28723088,30469746,29405637,29405637,29663507,30931029,30700578,31292392,31894955,32745300,33107122,32638648,33714254,35280115,36676339,36133883,37488360,38766733,40265645,38807108,40841408,40655832,42004803,38578179]
[]
[null,"S/ 000",null,null,null,null,null,null,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2019,2020,2021,2022,2023,2024]
[null,"Interest income"]
[]
[null,"Net share of the income from investments in subsidiaries and associates",1426595,1116264,1256989,1008961,653661,-608651,450420,370086,676484,725297,1256878,1092707,1236032,1425812,1379036,1115614,1439211,1804873,1288466,906901,1557394,1899078,1735379,1121288,1660468,2490226,null,4808809,865516,3751366,5156494,5439451,6313139]
[null,"Interest and similar income",11023,9319,4420,1934,765,174,7439,2881,3038,7062,13909,308,298,7056,307,1040,300,8996,429,1170,18725,28052,22290,24419,21312,19281,null,26696,11259,24317,8701,10895,93486]
[null,"Net gain on financial assets at fair value through profit or loss ",0,0,0,0,0,0,0,1198,-4494,4898,3860,-2258,-26898,-41316,-10214,32597,3759,22618,8845,32430,1234,0,0,0,0,0,null,0,1198,2006,-45831,67652,1234]
[null,"Net gain on subsidiaries sale",1437,348198,0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,349635,0,0,0,0,0]
[null,"Total income",1439055,1473781,1261409,1010895,654426,-608477,457859,374165,675028,737257,1274647,1090757,1209432,1391552,1369129,1149251,1443270,1836487,1297740,940501,1577353,1927130,1757669,1145707,1681780,2509507,null,5185140,877973,3777689,5119364,5517998,6407859]
[]
[null,"Interest and similar expense",0,0,0,0,0,-1855,1855,-28424,-13363,-14357,-15161,-15018,-13651,-14778,-19155,-20550,-13796,-14156,-13880,-14444,-13565,-13508,-13527,-13637,-13129,-11388,null,0,-28424,-57899,-68134,-56276,-54237]
[null,"Administrative and general expenses",-16906,-23418,-19629,-3182,-5574,-5766,-4827,-2973,-4761,-3832,-4367,-7601,-4259,-3766,-5908,-9422,-4407,-7584,-4097,-9274,-4802,-5115,-4034,-4134,-4958,-5211,null,-63135,-19140,-20561,-23355,-25362,-18085]
[null,"Total expenses",-16906,-23418,-19629,-3182,-5574,-7621,-2972,-31397,-18124,-18189,-19528,-22619,-17910,-18544,-25063,-29972,-18203,-21740,-17977,-23718,-18367,-18623,-17561,-17771,-18087,-16599,null,-63135,-47564,-78460,-91489,-81638,-72322]
[]
[null,"Operating income",1422149,1450363,1241780,1007713,648852,-616098,454887,342768,656904,719068,1255119,1068138,1191522,1373008,1344066,1119279,1425067,1814747,1279763,916783,1558986,1908507,1740108,1127936,1663693,2492908,null,5122005,830409,3699229,5027875,5436360,6335537]
[]
[null,"Net gain (losses) from exchange differences",696,-1799,-483,334,-231,-3842,-549,-38,-1268,-15,-415,-142,-145,-752,31,85,-158,-3284,1383,510,93,-2830,-119,175,65,-3468,null,-1252,-4660,-1840,-781,-1549,-2681]
[null,"Other, net",-184,-266,-58,-6,-73,-44,-6,-4,-5,-10,-6,-8,232,-13,231,106,102,99,2665,111,111,-29,-367,-7,-295,-121,null,-514,-127,-29,556,2977,-292]
[]
[null,"Profit before income tax",1422661,1448298,1241239,1008041,648548,-619984,454332,342726,655631,719043,1254698,1067988,1191609,1372243,1344328,1119470,1425011,1811562,1283811,917404,1559190,1905648,1739622,1128104,1663463,2489319,null,5120239,825622,3697360,5027650,5437788,6332564]
[null,"Income tax",-28347,-28185,-30304,-36630,-32986,0,-238,0,-19229,-19546,-20079,-19228,-42000,-42290,-42000,-42000,-46795,-47093,-46850,-68500,-43104,-51879,-43118,-8612,-45071,-52310,null,-123466,-33224,-78082,-168290,-209238,-146713]
[null,"Net income",1394314,1420113,1210935,971411,615562,-619984,454094,342726,636402,699497,1234619,1048760,1149609,1329953,1302328,1077470,1378216,1764469,1236961,848904,1516086,1853769,1696504,1119492,1618392,2437009,null,4996773,792398,3619278,4859360,5228550,6185851]
[]
[null,"Double Leverage Ratio",0.99390930359285778,0.96193777183341089,0.99294138266284881,0.98495774325074348,0.98447561586547883,0.98447561586547883,0.98535914461325758,1.0032076128834122,0.99991635110411137,1.0043107171932422,1.0222154338259328,1.0184032091396649,1.0188506399740309,1.030330308460059,1.0336149820912648,1.0216182199161159,1.0198309286618736,1.0171685798830215,1.0216814401404608,0.9855311297292555,0.98009083522681506,0.99136339966844067,0.99332396421175417,0.9921135396172327,0.98755331063200558,0.99715144354158447,null,0.98495774325074348,1.0032076128834122,1.0184032091396649,1.0216182199161159,0.9855311297292555,0.9921135396172327]

{"sheet":"12.5.3 BCP Consolidated","index":26,"n_rows":147,"n_cols":35,"rows_kept":147,"cut":false,"hidden":false,"merged":[[2,1,2,20],[3,1,3,20],[4,1,4,20],[72,1,72,20],[145,1,145,20],[146,1,146,20],[68,1,68,21],[69,1,69,21],[119,29,119,34],[115,8,115,13],[116,8,116,13],[76,29,76,34],[73,1,73,20],[74,1,74,20],[142,1,142,20],[143,1,143,20],[144,1,144,20],[70,1,70,2]]}
[null,"Back to index"]
[]
[null,"Banco de Credito del Peru"]
[null,"Consolidated Statement of Financial Position "]
[null,"(In S/  thousands, IFRS)"]
[]
[]
[null,"S/ 000",null,null,null,null,null,null,null,null,null,null,null,null,"As of "]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 24","Jun 25"]
[null,"ASSETS"]
[null,"Cash and due from banks"]
[null,"Non-interest bearing",5816012,5039035,4778987,4608148,4957324,5041371,5097856,5814295,5227840,6919815,6157037,4895726,4959579,5236507,5458040,5780728,5456302,5300381,6041081,6025352,5842595,5464859,5134613,5430818,5330664,5990377]
[null,"Interest bearing",14327957,16660085,19146069,19148673,18437537,26863958,26887477,27257699,30566460,26482164,33783609,30481516,28253501,22383291,28265953,25594929,26924509,25182623,23912271,24668794,30040974,26093132,36092693,39106465,35977823,32653406]
[null,"Total cash and due from banks",20143969,21699120,23925056,23756821,23394861,31905329,31985333,33071994,35794300,33401979,39940646,35377242,33213080,27619798,33723993,31375657,32380811,30483004,29953352,30694146,35883569,31557991,41227306,44537283,41308487,38643783]
[]
[null,"Cash collateral, reverse repurchase agreements and securities borrowing",3103156,3255249,2969737,3045261,3324737,1987570,1767692,1345981,772790,544937,1027761,344460,202127,542521,308959,244017,232059,537814,207284,100211,415202,839649,622399,19151,776081,574653]
[]
[null,"Fair value through profit or loss investments ",598964,516973,182957,242,883548,1630272,1874577,2168500,3549042,2118559,1406424,1261896,729168,163187,307513,1011,39638,221253,1229265,362360,465261,439004,704968,603635,537503,617368]
[null,"Fair value through other comprehensive income investments",16114399,15626554,14934297,14263353,16062998,18724601,27515047,29604474,31556758,25716257,18191125,19339377,20202882,17868118,18277389,15260159,17702831,17169798,19717481,20592731,21739359,22661943,22888341,23375769,24940660,21881734]
[null,"Amortized cost investments",3370918,3347118,3293125,3455877,4223311,4280002,4251291,4933333,5466463,7366267,7597755,7677804,7538562,7630677,7500013,9831983,9661389,9611227,9450388,9557451,9389695,8321181,8178619,8277440,8134166,8262941]
[]
[null,"Loans",99021030,99791392,102338510,104886920,110087710,121391338,124515950,125716877,124970804,130864182,133369027,134734202,132578949,138012365,138419933,136046442,132290495,130175792,131843710,131767137,127359955,132958919,129063925,132053791,131470639,133011844]
[null,"Current",96026987,96649966,99151976,101730830,106693682,117707704,120522261,121179978,120335694,126045797,128090680,129311792,126930472,132146911,132426874,130396010,126846139,124488630,125761669,125948604,121494564,127103518,123400733,126990918,126570181,128218187]
[null,"Internal overdue loans",2994043,3141426,3186534,3156090,3394028,3683634,3993689,4536899,4635110,4818385,5278347,5422410,5648477,5865454,5993059,5650432,5444356,5687162,6082041,5818533,5865391,5855401,5663192,5062873,4900458,4793657]
[null,"Less - allowance for loan losses",-4619470,-4637969,-4734401,-4761111,-5571581,-7910329,-9078981,-9266046,-9090737,-8797871,-8474947,-7937985,-7769920,-7813526,-7541660,-7408223,-7450091,-7504879,-7570703,-7772720,-7663849,-7799646,-7714711,-7443523,-7323541,-7310931]
[null,"Loans, net",94401560,95153423,97604109,100125809,104516129,113481009,115436969,116450831,115880067,122066311,124894080,126796217,124809029,130198839,130878273,128638219,124840404,122670913,124273007,123994417,119696106,125159273,121349214,124610268,124147098,125700913]
[null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Property, furniture and equipment, net (1)",2020366,1978509,1974925,1996773,1926344,1837161,1819367,1789869,1729286,1681651,1634143,1628645,1593758,1558507,1500806,1536875,1489392,1460108,1449222,1559485,1512734,1490388,1479708,1496066,1643626,1604393]
[null,"Due from customers on acceptances",611142,534637,434457,535222,555598,331591,256238,455343,532584,558934,776863,532404,524448,743925,697119,699678,496170,226161,325771,412401,322346,473382,466957,528184,639749,559370]
[null,"Investments in associates",0,0,0,0,0,0,0,0,0,18901,23944,27928,31859,26411,29953,28578,18246,16670,17941,21426,23270,26754,29053,29368,24738,22452]
[null,"Other assets (2)",4244196,4641232,5198766,4992105,5937221,7295908,6515998,5882200,6455086,6772279,7473795,6321863,6100840,7018343,6645503,5662055,6873005,7653151,7736054,6510227,6955937,11820436,7959779,7500552,8045520,6811768]
[null,null,0,0,0,0,0,0,0,0,0," "," "," ",0,0,0,0]
[null,"Total Assets",144608670,146752815,150517429,152171463,160824747,181473443,191422512,195702525,201736376,200246075,202966536,199307836,194945753,193370326,199869521,193278232,193733945,190050099,194359765,193804855,196403479,202790001,204906344,210977716,210197628,204679375]
[null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,null,null,null,0,0]
[null,"Liabilities and Equity"]
[null,"Deposits and obligations"]
[null,"Non-interest bearing ",28436099,23243024,24483137,26372428,29496275,44355291,49111613,43740097,44470186,45881848,47262689,44598038,45297294,40994205,42200017,39399007,37978204,36484571,36743810,39377289,38519886,41187095,45310064,44280933,46181912,44615769]
[null,"Interest bearing ",64385457,69210922,71620420,73060735,76834615,70151519,73488701,83231861,88611086,86547213,86404649,87552576,85125304,88145130,91406523,90420659,93952305,91074922,95597397,92931227,94436692,96391919,95985178,103434795,100410686,102043442]
[null,"Total deposits and obligations",92821556,92453946,96103557,99433163,106330890,114506810,122600314,126971958,133081272,132429061,133667338,132150614,130422598,129139335,133606540,129819666,131930509,127559493,132341207,132308516,132956578,137579014,141295242,147715728,146592598,146659211]
[]
[null,"Payables from repurchase agreements and securities lending",6634166,8019941,5721581,5803336,6781667,20912125,25869675,26267587,24839353,23879115,21308690,20250739,18064487,16578846,15001393,11843594,10318686,12310396,10155810,8005844,7388795,6095858,5621745,7203885,7892912,5968190]
[null,"BCRP instruments",4984192,6304186,4144908,4381011,5346373,19441733,25344725,25734963,24303193,23329990,20746109,19692474,17532350,16031618,14449597,11297659,9780540,11772771,9616150,7461674,6854368,5542892,4788939,6646830,7064476,5096459]
[null,"Repurchase agreements with third parties",1649974,1715755,1576673,1422325,1435294,1470392,524950,532624,536160,549125,562581,558265,532137,547228,551796,545935,538146,537625,539660,544170,534427,552966,832806,557055,828436,871731]
[null,"Due to banks and correspondents",7307596,9280977,8714198,8865310,9035804,8205084,6410499,5843676,5040881,5636702,6973909,6684191,5872463,5963573,8563079,8539195,9647935,9704721,10116035,11870116,10160253,12141299,12210085,10165266,10314235,10402291]
[null,"Bonds and notes issued",14808551,14429601,16546780,14312926,14570806,14964339,14081882,13811673,15301214,14368316,14838736,14482984,13575977,14093426,14518870,13840114,10972861,10804531,11250454,10961427,13833480,14284148,13351992,13627208,10759498,10170286]
[null,"Banker’s acceptances outstanding",611142,534637,434457,535222,555598,331591,256238,455343,532584,558934,776863,532404,524448,743925,697119,699678,496170,226161,325771,412401,322346,473382,466957,528184,639749,559370]
[null,"Financial liabilities at fair value through profit or loss",177013,70459,13977,0,9131,108189,116523,205898,461069,84071,484531,0,0,210393,140146,7669,193031,138339,42768,91966,0,468746,354562,0,367988,387867]
[null,"Other liabilities (3)",5619291,4309665,4849909,4251420,4708160,5378042,4753222,3811752,4197747,4261450,5287243,4444071,6211275,5512852,5102548,5256079,8245729,5925279,5741077,4995178,9283873,7978251,6110653,5585850,10599135,5604105]
[null,"Total Liabilities",127979315,129099226,132384459,133201377,141992056,164406180,174088353,177367887,183454120,181217649,183337310,178545003,174671248,172242350,177629695,170005995,171804921,166668920,169973122,168645448,173945325,179020698,179411236,184826121,187166115,179751320]
[]
[null,"Net equity",16520005,17539343,18013914,18853621,18714668,16963220,17238491,18217739,18165016,18908512,19505851,20633464,20140022,20987313,22091980,23121902,21777751,23226061,24228926,24998419,22315713,23624852,25347135,26007483,22896863,24790836]
[null,"Capital stock",9924006,9924006,9924006,9924006,9924006,10774006,10774006,10774006,11024006,11024006,11024006,11024006,11882984,11882984,11882984,11882984,12679794,12679794,12679794,12679794,12679794,12679794,12679794,12679794,12679794,12679794]
[null,"Reserves",4476247,4476256,4476256,4476256,4476256,5945313,5945313,5947808,6488641,6488969,6488969,6488969,7297648,7298035,7298035,6540665,6820019,6820497,6820930,6372059,6372059,6372468,6372468,5905440,5905440,5906590]
[null,"Unrealized gains and losses",120338,235391,296915,296456,-22277,333548,330977,697475,-68242,-123542,-583178,-495371,-780063,-1089747,-1274918,-549319,-467041,-274021,-373385,-108012,-159740,-95961,223921,82590,141193,284780]
[null,"Retained earnings",1999414,2903690,3316737,4156903,4336683,-89647,188195,798450,720611,1519079,2576054,3615860,1739453,2896041,4185879,5247572,2744979,3999791,5101587,6054578,3423600,4668551,6070952,7339659,4170436,5919672]
[]
[null,"Non-controlling interest",109350,114246,119056,116465,118023,104043,95668,116899,117240,119914,123375,129369,134483,140663,147846,150335,151273,155118,157717,160988,142441,144451,147973,144112,134650,137219]
[]
[null,"Total Net Equity",16629355,17653589,18132970,18970086,18832691,17067263,17334159,18334638,18282256,19028426,19629226,20762833,20274505,21127976,22239826,23272237,21929024,23381179,24386643,25159407,22458154,23769303,25495108,26151595,23031513,24928055]
[]
[null,"Total liabilities and equity",144608670,146752815,150517429,152171463,160824747,181473443,191422512,195702525,201736376,200246075,202966536,199307836,194945753,193370326,199869521,193278232,193733945,190050099,194359765,193804855,196403479,202790001,204906344,210977716,210197628,205066221]
[]
[null,"Off-balance sheet",109963761,112550680,119919107,114045218,119606613,115150387,114983316,114520519,130403638,131540506,139250038,136495830,131406579,130782706,139052767,137999722,142247161,142443947,141192730,138140917,151059953,152205005,144241520,139066953,136896925,139056539]
[null,"Total performance bonds, stand-by and L/Cs.",16877145,17678879,18482396,18886474,18238079,17490615,16977684,19477129,20320600,21228772,20761917,21203561,19638213,19490337,20443858,19737892,17932260,17955475,18226797,19328506,19720490,20008285,19593247,21683478,20571287,20908399]
[null,"Undrawn credit lines, advised but not committed",67926878,67316327,70846512,67865642,71174841,70509409,68867418,70391997,73973965,75964511,80631043,75333998,70893784,74845631,76051652,75276664,76157911,76331482,79083109,76719565,78799124,79567802,77964739,74193794,72392139,71484467]
[null,"Total derivatives (notional) and others",25159738,27555474,30590199,27293102,30193693,27150363,29138214,24651393,36109073,34347223,37857078,39958271,40874582,36446738,42557257,42985166,48156990,48156990,43882824,42092846,52540339,52628918,46683534,43189681,43933499,46663673]
[]
[]
[null,"(1) Right of use asset of lease contracts is included by application of IFRS 16."]
[null,"(2) Mainly includes intangible assets, other receivable accounts, trading derivatives receivable accounts and tax credit."]
[null,"(3) Mainly includes other payable accounts, trading derivatives payable accounts and taxes for payable."]
[]
[null,"Banco de Credito del Peru"]
[null,"Consolidated Statement of Income "]
[null,"(In S/ thousands, IFRS)"]
[]
[null,"S/ 000",null,null,null,null,null,null,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2019,2020,2021,2022,2023,2024]
[null,"Interest income and expense"]
[null,"Interest and similar income",2656215,2727447,2780173,2808740,2763923,2325119,2553354,2456757,2407997,2446731,2542011,2626005,2712960,2988885,3462081,3821770,3902810,4066734,4227671,4265959,4278901,4321539,4363712,4381994,4260384,4309923,null,10972575,10099153,10022744,12985696,16463174,17346146]
[null,"Interest and similar expenses (1)",-690156,-720921,-756146,-694009,-660975,-636539,-655594,-498254,-555008,-438943,-443398,-459334,-494035,-590599,-799839,-913761,-994837,-1112623,-1216744,-1153770,-1119658,-1101415,-1040332,-1025087,-975337,-953011,null,-2861232,-2451362,-1896683,-2798234,-4477974,-4286492]
[null,"Net interest income",1966059,2006526,2024027,2114731,2102948,1688580,1897760,1958503,1852989,2007788,2098613,2166671,2218925,2398286,2662242,2908009,2907973,2954111,3010927,3112189,3159243,3220124,3323380,3356907,3285047,3356912,null,8111343,7647791,8126061,10187462,11985200,13059654]
[]
[null,"Provision for credit losses on loan portfolio",-437214,-494492,-557416,-541714,-1340975,-2425753,-1250211,-735523,-585257,-480116,-249273,-224506,-340235,-400124,-522071,-783402,-782079,-864243,-961880,-1160527,-844152,-1117597,-935374,-786209,-648883,-633987,null,-2030836,-5752462,-1539152,-2045832,-3768729,-3683332]
[null,"Recoveries of written-off loans",69836,60861,64728,58614,43954,16184,40126,47591,61096,73023,93671,95748,86428,77244,78403,79076,69693,77154,85160,81398,90798,95174,107848,108560,108978,105024,null,254039,147855,323538,321151,313405,402380]
[null,"Provision for credit losses on loan portfolio, net of recoveries",-367378,-433631,-492688,-483100,-1297021,-2409569,-1210085,-687932,-524161,-407093,-155602,-128758,-253807,-322880,-443668,-704326,-712386,-787089,-876720,-1079129,-753354,-1022423,-827526,-677649,-539905,-528963,null,-1776797,-5604607,-1215614,-1724681,-3455324,-3280952]
[]
[null,"Risk-adjusted net interest income",1598681,1572895,1531339,1631631,805927,-720989,687675,1270571,1328828,1600695,1943011,2037913,1965118,2075406,2218574,2203683,2195587,2167022,2134207,2033060,2405889,2197701,2495854,2679258,2745142,2827949,null,6334546,2043184,6910447,8462781,8529876,9778702]
[]
[null,"Non-financial income"]
[null,"Fee income ",632326,635782,661070,680506,602585,379933,572044,694348,631778,648980,688357,749416,731705,753835,784132,766959,727489,754473,784742,773261,729700,764394,822829,833341,860089,881866,null,2609684,2248910,2718531,3036631,3039965,3150264]
[null,"Net gain on foreign exchange transactions",170019,184131,184383,197954,177407,143905,152862,180363,173465,240553,234313,239930,242504,243566,246518,271267,242569,246228,240236,268615,261882,291722,299425,313538,305799,349277,null,736487,654537,888261,1003855,997648,1166567]
[null,"Net gain (loss) on securities",5870,20431,85506,22004,-31791,72350,73630,11194,42112,-130474,-30017,-7511,-1898,-2611,-5587,-9162,-2584,-29111,-2166,10759,-10530,33920,24114,-19571,11361,121126,null,133811,125383,-125890,-19258,-23102,27933]
[null,"Net gain (loss) on derivatives held for trading ",12670,12918,2762,-3866,-568,34979,12502,5538,12320,31844,462,27477,-10978,-19037,17037,17756,22288,38344,16774,21750,17957,21197,13639,24881,14635,30207,null,24484,52451,72103,4778,99156,77674]
[null,"Net gain (loss) from exchange differences",10861,4618,-11517,15997,-19548,8495,1151,3996,-2821,56816,11037,-4593,-17051,9043,10962,3265,4308,5663,-9335,8795,6525,723,-10714,-1989,784,7541,null,19959,-5906,60439,6219,9431,-5455]
[null,"Others",50785,47128,75755,35914,92808,21512,36309,29187,58392,41734,31437,33562,120328,46354,36947,8861,71278,118211,54370,101244,56939,74705,19336,95118,23975,30424,null,209582,179816,165125,212490,345103,246098]
[null,"Total other income ",882531,905008,997959,948509,820893,661174,848498,924626,915246,889453,935589,1038281,1064610,1031150,1090009,1058946,1065348,1133808,1084621,1184424,1062473,1186661,1168629,1245318,1216643,1420441,null,3734007,3255191,3778569,4244715,4468201,4663081]
[]
[null,"Total expenses"]
[null,"Salaries and employee benefits",-626768,-638802,-638819,-665450,-657774,-589893,-568595,-534217,-603175,-632636,-629810,-715877,-694339,-688691,-732377,-768578,-750010,-774886,-757403,-788885,-795569,-821206,-850918,-973566,-979534,-951711,null,-2569839,-2350479,-2581498,-2883985,-3071184,-3441259]
[null,"Administrative expenses ",-459366,-503987,-431272,-553842,-404917,-378687,-450406,-578252,-433717,-516669,-634281,-694702,-532560,-638366,-641330,-810500,-645130,-667935,-767623,-874101,-630015,-712685,-726190,-899653,-628741,-732854,null,-1948467,-1812262,-2279369,-2622756,-2954789,-2968543]
[null,"Depreciation and amortization (2)",-71354,-63593,-145052,-143026,-133928,-134137,-129157,-126974,-127578,-125592,-131420,-137757,-126426,-130253,-133638,-139688,-134268,-133876,-132205,-146657,-142270,-140270,-146719,-154731,-168136,-176020,null,-423025,-524196,-522347,-530005,-547006,-583990]
[null,"Other expenses",-31090,-27943,-39507,-56693,-151363,-77386,-86663,-135309,-49176,-59093,-50893,-65712,-49556,-52035,-48213,-76514,-43942,-49267,-78749,-124472,-52973,-63530,-62292,-104374,-53526,-57092,null,-155233,-450721,-224874,-226318,-296430,-283169]
[null,"Total expenses",-1188578,-1234325,-1254650,-1419011,-1347982,-1180103,-1234821,-1374752,-1213646,-1333990,-1446404,-1614048,-1402881,-1509345,-1555558,-1795280,-1573350,-1625964,-1735980,-1934115,-1620827,-1737691,-1786119,-2132324,-1829937,-1917677,null,-5096564,-5137658,-5608088,-6263064,-6869409,-7276961]
[]
[null,"Profit before income tax ",1292634,1243578,1274648,1161129,278838,-1239918,301352,820445,1030428,1156158,1432196,1462146,1626847,1597211,1753025,1467349,1687585,1674866,1482848,1283369,1847535,1646671,1878364,1792252,2131848,2330713,null,4971989,160717,5080928,6444432,6128668,7164822]
[]
[null,"Income tax ",-355078,-334458,-324546,-315972,-97582,422109,-31731,-209212,-274798,-356194,-371383,-416361,-466694,-434823,-455802,-403338,-422491,-416753,-378054,-327708,-462579,-399971,-472791,-517677,-549462,-576345,null,-1330054,83584,-1418736,-1760657,-1545006,-1853018]
[]
[null,"Net profit",937556,909120,950102,845157,181256,-817809,269621,611233,755630,799964,1060813,1045785,1160153,1162388,1297223,1064011,1265094,1258113,1104794,955661,1384956,1246700,1405573,1274575,1582386,1754368,null,3641935,244301,3662192,4683775,4583662,5311804]
[null,"Non-controlling interest",-4931,-4844,-4729,-4991,-1534,14266,8220,-978,-580,-2742,-3838,-5979,-5157,-6426,-7385,-2318,-1112,-3301,-2998,-2670,-4630,-1749,-3172,-5867,-4721,-5135,null,-19495,19974,-13139,-21286,-10081,-15418]
[null,"Net profit attributable to BCP Consolidated",932625,904276,945373,840166,179722,-803543,277841,610255,755050,797222,1056975,1039806,1154996,1155962,1289838,1061693,1263982,1254812,1101796,952991,1380326,1244951,1402401,1268708,1577665,1749233,null,3622440,264275,3649053,4662489,4573581,5296386]
[]
[null,"(1) Financing expenses related to lease agreements are included according to the application of IFRS 16."]
[null,"(2) The effect of the application of IFRS 16 is included, which corresponds to a greater depreciation for the asset for right-of-use."]
[null,null,null,null,null,null,null,null,"Banco de Credito del Peru and Subsidiaries"]
[null,null,null,null,null,null,null,null,"Selected Financial Indicators"]
[]
[]
[null,"%",null,null,null,null,null,null,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2019,2020,2021,2022,2023,2024]
[null,"Profitability"]
[null,"ROAA (1)(2)",2.5782919820188859E-2,2.477108065443916E-2,2.5383293748669204E-2,2.2205400256313339E-2,5.0000000000000001E-3,-1.9E-2,5.9608693953790435E-3,1.2999999999999999E-2,1.5198310947422834E-2,1.5865807037432088E-2,2.0971070272402765E-2,2.0678543250575256E-2,2.3436610998105588E-2,2.381486757853259E-2,2.6240229922579541E-2,2.1603948986578591E-2,2.612800475267733E-2,2.6156626772112494E-2,2.2929609259637496E-2,1.9640965631329482E-2,2.8299262238978058E-2,2.4948721408238009E-2,2.7517887349847441E-2,2.4398664549334152E-2,2.9959180399512453E-2,3.3698729214446985E-2,null,5.8000000000000003E-2,2E-3,1.7999999999999999E-2,2.3752697204731166E-2,2.3631003997777345E-2,2.6162026237197065E-2]
[null,"ROAE (1)(2)",0.22273279375734401,0.21240007295500782,0.21272267685630039,0.18231020869716405,3.7999999999999999E-2,-0.18,6.4988730838148753E-2,0.13800000000000001,0.16602371095866708,0.17203045795911304,0.22012079179863012,0.20723941103628699,0.22661707169212855,0.224855220986237,0.23952816495851034,0.18785257147351339,0.22521011465277915,0.22305879333066275,0.18574165480770957,0.15487180641426412,0.23338920740659033,0.21679332851043517,0.22909440043753992,0.19763877904806926,0.25808177167079938,0.29344808605674177,null,0.20200000000000001,1.4E-2,0.188,0.21311621527745878,0.19008938032645292,0.20767737412667706]
[null,"Net interest margin (1)(2)",5.7539873280719536E-2,5.8216324190511357E-2,5.7406570935348677E-2,5.88109320389009E-2,5.6500000000000002E-2,4.1200000000000001E-2,4.1980064269165472E-2,4.1500000000000002E-2,3.8214903709639189E-2,4.118806861111033E-2,4.3218795516558613E-2,4.4530982357021076E-2,4.6299436899015334E-2,5.1013068817091112E-2,5.6094449388038349E-2,6.1211850757602583E-2,6.2231050157304083E-2,6.3915955537326749E-2,6.5231780583697607E-2,6.6676235260853395E-2,6.7135956917458856E-2,6.7663119551087822E-2,6.8370914474019037E-2,6.6972851838822428E-2,6.4846086524222829E-2,6.7333706551768721E-2,null,5.8400000000000001E-2,4.5499999999999999E-2,4.2200000000000001E-2,5.3499153898863255E-2,6.4087312916160211E-2,6.6889412604638862E-2]
[null,"Risk adjusted NIM (1)(2)",4.6787966259554767E-2,4.5635175042653006E-2,4.343268194029324E-2,4.5375860974073728E-2,2.1600000000000001E-2,-1.7600000000000001E-2,1.5214917258858093E-2,2.6915831201688504E-2,2.7404930124610791E-2,3.2836900850817537E-2,4.0014330939255625E-2,4.1884655237525166E-2,4.1003574631913751E-2,4.4145205826746178E-2,4.6746196234834322E-2,4.6386209572620282E-2,4.6985916802886982E-2,4.6886282133748153E-2,4.6237628060790417E-2,4.3556733495115685E-2,5.1126697203155366E-2,4.6179372440485297E-2,5.1346466661542862E-2,5.3453238076592448E-2,5.4188483651307913E-2,5.672364605011028E-2,null,4.5600000000000002E-2,1.2200000000000001E-2,3.5900000000000001E-2,4.4442042888736752E-2,4.5610989582822566E-2,5.0084912878687847E-2]
[null,"Funding Cost (1)(2)(3)",2.2526861708756625E-2,2.3467830538194796E-2,2.4074318513236534E-2,2.1730150714840475E-2,1.9900000000000001E-2,1.72E-2,1.6006900769275651E-2,1.17E-2,1.2644077254722434E-2,9.9035040490652159E-3,1.0027259671618542E-2,1.0488358707946181E-2,1.1573156937027625E-2,1.4158347122847017E-2,1.8961109520724252E-2,2.1773552059762016E-2,2.4345005282146392E-2,2.753598732014538E-2,3.0020579094336652E-2,2.8225976825027685E-2,2.7351676424370315E-2,2.6346534951733037E-2,2.4294094779194579E-2,2.3351089503960764E-2,2.2024632865367252E-2,2.2009494585446803E-2,null,2.2700000000000001E-2,1.6299999999999999E-2,1.09E-2,1.6576670760321602E-2,2.7372443611032849E-2,2.5077617755840664E-2]
[]
[null,"Quality of loan portfolio"]
[null,"IOL ratio",3.0236435633925439E-2,3.1479929651647712E-2,3.1137193613625994E-2,3.0090405934314782E-2,3.0800000000000001E-2,3.0345114080545021E-2,3.2099999999999997E-2,3.61E-2,3.7089542930363158E-2,3.6819738803701076E-2,3.9577007636113291E-2,4.0245237805319842E-2,4.2604629487596857E-2,4.2499481839906157E-2,4.3296213703556699E-2,4.153311117096322E-2,4.1154551579839507E-2,4.3688322633750519E-2,4.6130687614904041E-2,4.4157694645820526E-2,4.6053651636419002E-2,4.4039174235464412E-2,4.3878969278208453E-2,3.8339474858393126E-2,3.727416278854475E-2,3.6039324437904946E-2,null,3.0099999999999998E-2,3.61E-2,4.02E-2,4.153311117096322E-2,4.4157694645820526E-2,3.8339474858393126E-2]
[null,"NPL ratio",4.2896745250882572E-2,4.3409687837303645E-2,4.2931321426899802E-2,4.1153483327663741E-2,4.0899999999999999E-2,3.9854085648845884E-2,4.4200000000000003E-2,4.9000000000000002E-2,5.1117601001910817E-2,5.0265896590711123E-2,5.2672103341355254E-2,5.3253815696255064E-2,5.5205760230985085E-2,5.4414547638322111E-2,5.6079665098161841E-2,5.6713241527551313E-2,5.693325208156489E-2,5.9359490451644029E-2,6.2683430252379879E-2,6.1903712759578289E-2,6.55591390559144E-2,6.2686640826254011E-2,6.134349315658888E-2,5.4602786829497381E-2,5.1815074847244028E-2,5.0045189960677486E-2,null,4.1200000000000001E-2,4.9000000000000002E-2,5.33E-2,5.6713241527551313E-2,6.1903712759578289E-2,5.4602786829497381E-2]
[null,"Coverage of IOLs",1.5428869926049826,1.4763897032748823,1.4857525449281257,1.508547284773248,1.6419999999999999,2.1474253413884226,2.2730000000000001,2.0419999999999998,1.9612775101346032,1.8258962287156382,1.6056062627182335,1.4639219461457176,1.3755778770100329,1.3321263793049949,1.2583990913488421,1.3110896653565602,1.3684062908450514,1.3196175878232412,1.2447635588119186,1.3358556185897716,1.3066220137753817,1.3320430146457944,1.3622548908813263,1.4702172067124732,1.4944605177720123,1.5251260154825428,null,1.5089999999999999,2.0419999999999998,1.464,1.3110896653565602,1.3358556185897716,1.4702172067124732]
[null,"Coverage of NPLs",1.0875278058854951,1.0706514216757654,1.0775853879116279,1.1030123454804115,1.2390000000000001,1.6350611462534475,1.649,1.5049999999999999,1.4230496929574989,1.3374678814820187,1.2064278297065598,1.1063223560749307,1.0615918617212343,1.0404328129682179,0.97154495997849477,0.96015729941836236,0.98916090719846317,0.97123271260150512,0.91606025156526483,0.95290414527622402,0.91786920800722527,0.93579865881967872,0.97442022666507688,1.0323164604975656,1.0750686896566302,1.0982975851196173,null,1.103,1.5049999999999999,1.1060000000000001,0.96015729941836236,0.95290414527622402,1.0323164604975656]
[null,"Cost of risk (4)",1.4840403094171006E-2,1.7381499197846643E-2,1.925718871615387E-2,1.8423650918532073E-2,4.7100000000000003E-2,7.939838343325617E-2,3.8899999999999997E-2,2.1899999999999999E-2,1.6777070586822825E-2,1.2443221476752133E-2,4.6668106831131038E-3,3.8225780266245984E-3,7.657535435734975E-3,9.3580020891606344E-3,1.282092803787154E-2,2.0708398974520776E-2,2.1540020694608482E-2,2.3990555404168917E-2,2.6768083850491405E-2,3.274915302423366E-2,2.3258208665969175E-2,3.1420633757043681E-2,2.5265766522250252E-2,2.0761486746460358E-2,1.6390283056489298E-2,1.5999940532923689E-2,null,1.6899999999999998E-2,4.4600000000000001E-2,8.9999999999999993E-3,1.2677148881262179E-2,2.5803949053651614E-2,2.4872568013737835E-2]
[]
[null,"Operating efficiency"]
[null,"Oper. expenses as a percent. of total income - reported (5)",0.41458271772086386,0.42418867957700052,0.4247674977496963,0.45330184253134936,0.41799999999999998,0.48891610988695405,0.43548673378597019,0.436,0.43650203112682651,0.42696085474087075,0.46014220606690492,0.48706644214462796,0.42757665227535896,0.43043182001439589,0.40510324005728737,0.43323812901458109,0.39169114615213219,0.39429066431864007,0.40986643728557354,0.43245200866986411,0.37550628013700549,0.38950643996500828,0.39778220601808467,0.44799961472850508,0.39773179644963208,0.40221881476578231,null,0.42899999999999999,0.442,0.45400000000000001,0.42396020210767021,0.40746488215529958,0.41068731910752676]
[null,"Oper. expenses as a percent. of av. tot. assets (1)(2)(5)",3.1999378417724982E-2,3.3123993722094049E-2,3.2626626438071682E-2,3.6005761321429658E-2,3.0599999999999999E-2,2.58E-2,2.4634774567597297E-2,2.5600000000000001E-2,2.3439477053103064E-2,2.5372192180598451E-2,2.7687844316952676E-2,3.0791640885340813E-2,2.7461005561067956E-2,3.0023170892184457E-2,3.0665152811942785E-2,3.497447434222014E-2,3.1614695162421207E-2,3.2866337715697219E-2,3.4488833942906229E-2,3.7296402555717714E-2,3.2143936648611059E-2,3.355005649341794E-2,3.5314937031783941E-2,3.8999731831770738E-2,3.3733281534849488E-2,3.5843909928215303E-2,null,3.3300000000000003E-2,2.75E-2,2.7300000000000001E-2,3.0753745443661541E-2,3.3961592246055453E-2,3.5989651104125484E-2]
[]
[]
[]
[]
[null,"(1) Ratios are annualized."]
[null,"(2) Averages are determined as the average of period-beginning and period-ending balances."]
[null,"(3) The funding costs differs from previously reported due to a methodoloy change in the denominator, which no longer includes the following accounts: acceptances outstanding, reserves for property and casualty claims, reserve for unearned premiums, reinsurance payable and other liabilities."]
[null,"(4) Cost of risk: Annualized provision for loan losses / Total loans."]
[null,"(5) Total income includes net interest income, fee income, net gain on foreign exchange transactions, result on exchange difference and net gain on derivatives. Operating expenses\nincludes Salaries and social benefits, administrative, general and tax expenses and depreciation and amortization"]

{"sheet":"12.5.4 BCP Stand-alone","index":27,"n_rows":152,"n_cols":37,"rows_kept":152,"cut":false,"hidden":false,"merged":[[74,1,74,21],[75,1,75,21],[35,1,35,3],[77,31,77,36],[126,31,126,36],[77,4,77,29],[4,1,4,21],[67,1,67,21],[10,1,10,3],[14,1,14,3],[5,1,5,21],[66,1,66,21],[7,1,7,3],[6,1,6,21],[33,1,33,3],[8,4,8,29],[157,2,157,21],[149,2,149,21],[150,2,150,21],[151,2,151,21],[153,2,153,21],[154,2,154,21],[146,2,146,21],[39,56,39,72],[147,2,147,21],[148,2,148,21],[124,2,124,31],[123,2,123,31],[49,1,49,3],[116,1,117,21],[88,1,88,3],[115,1,115,21],[78,1,78,3],[57,1,57,3],[59,1,59,3],[76,1,76,3],[68,1,68,2],[73,1,73,21]]}
[null,"Back to index"]
[]
[]
[]
[null,"BANCO DE CREDITO DEL PERU "]
[null,"STATEMENT OF FINANCIAL POSITION"]
[null,"(In S/  thousands, IFRS)"]
[]
[null,"S/000",null,null,"As of"]
[null,null,null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 24","Jun 25"]
[null,"ASSETS"]
[null,"Cash and due from banks"]
[null,null,"Non-interest bearing",null,"-",4632855,4286798,4091155,4320100,4402832,4571558,5322420,4774267,6413791,5666863,4366498,4429348,4596609,4880450,5070067,4832635,4634064,5281567,5236016,5150933,4832098,4561696,4792810,4776238,5338286]
[null,null,"Interest bearing",null,"-",16130654,18753012,18538123,18202901,26045808,25949154,25948221,29710731,25585201,32819306,29965362,27448742,21860250,27042976,24573419,26052997,24308715,23133255,24554369,29572183,25834580,35307925,38063318,34709343,31838979]
[null,"Total cash and due from banks",null,null,"-",20763509,23039810,22629278,22523001,30448640,30520712,31270641,34484998,31998992,38486169,34331860,31878090,26456859,31923426,29643486,30885632,28942779,28414822,29790385,34723116,30666678,39869621,42856128,39485581,37177265]
[]
[null,"Cash collateral, reverse repurchase agreements and securities borrowing",null,null,"-",3255249,2969737,3045261,3324737,1987570,1767692,1345981,772790,544937,1027761,344460,202127,542521,308959,244017,232059,537814,207284,100211,415202,839649,622399,19151,776081,574653]
[]
[null,"Fair value through profit or loss investments ",null,null,"-",516973,182957,242,883548,1630272,1874577,2168500,3549042,2118559,1406424,1261896,729168,163187,307513,1011,39638,221253,1229265,362360,465261,439004,704968,603635,537503,617368]
[null,"Fair value through other comprehensive income investments",null,null,"-",16132624,13580329,12996039,16692311,17562854,26341443,28452224,30302999,24477519,16931666,18041469,18749758,16569716,16799789,14098087,16582128,15738281,18068208,18178514,18996635,19504805,19855738,20521337,21877682,19097277]
[null,"Amortized cost investments",null,null,"-",3059858,3010520,3169697,3942806,3995043,3958403,4636804,5174978,7071197,7307678,7384150,7249994,7331851,7206315,9534621,9369229,9467981,9310033,9415232,9250403,8258140,8116588,8214476,8072234,8169062]
[]
[null,"Loans",null,null,"-",90645086,93045627,95548693,100730089,111821212,113384719,113464992,112597400,118872541,121459651,122752170,120541004,125535209,126176601,123707601,119751399,117611694,119635051,119425134,115355734,121055851,117687023,120571109,119378598,120998975]
[null,null,"Current",null,"-",88060593,90428840,92974533,97920461,108857750,110133503,109850172,109158605,115221323,117256286,118242794,115852249,120657794,121124754,118841510,115009487,112818171,114403780,114445408,110365981,116139749,112874488,116314563,115180766,116868257]
[null,null,"Internal overdue loans",null,"-",2584493,2616787,2574160,2809628,2963462,3251216,3614820,3438795,3651218,4203365,4509376,4688755,4877415,5051847,4866091,4741912,4793523,5231271,4979726,4989753,4916102,4812535,4256546,4197832,4130718]
[null,null,"Less - allowance for loan losses",null,"-",-3716743,-3796429,-3811601,-4507844,-6438182,-7255183,-7434988,-7218294,-7124855,-6976762,-6786094,-6616033,-6636936,-6450828,-6402939,-6404541,-6410732,-6534389,-6764601,-6689926,-6809141,-6768497,-6513398,-6453864,-6418672]
[null,"Loans, net",null,null,"-",86928343,89249198,91737092,96222245,105383030,106129536,106030004,105379106,111747686,114482889,115966076,113924971,118898273,119725773,117304662,113346858,111200962,113100662,112660533,108665808,114246710,110918526,114057711,112924734,114580303]
[]
[null,"Property, furniture and equipment, net (1)",null,null,"-",1579335,1577866,1547298,1523405,1447090,1447497,1429864,1386433,1359061,1328385,1332705,1314065,1291209,1241975,1281645,1238722,1217932,1213395,1300690,1262342,1250424,1246350,1271219,1428475,1395819]
[null,"Due from customers on acceptances",null,null,"-",534637,434457,535222,555598,331591,256238,455343,532584,558934,776863,532404,524448,743925,697119,699678,496170,226161,325771,412401,322346,473382,466957,528184,639749,559370]
[null,"Investments in associates",null,null,null,"-",2150825,2110564,"-",1862221,1691592,2098825,2106918,2142791,2214558,2333611,2429540,2541615,2683038,2730184,2736368,2800043,2851285,2917670,2570974,2613220,2682807,2612080,2431259,2478728]
[null,"Other assets (2)",null,null,"-",3981275,4482612,4107523,5123191,6486760,5610989,4964018,5485436,5836135,6576750,5492025,5360983,6295694,6044500,5071892,6203938,7015286,7119911,5776165,6647263,10988530,7227029,6788659,7642354,6772832]
[null,null,null,null,null,null,null,null,null,null,null,null," "," "]
[null,"Total Assets",null,null,"-",136751803,140678311,141878216,150790842,171135071,179598679,182852204,189175284,187855811,190539143,187020656,182363144,180834850,186938407,180609283,181130742,177368492,181840636,180914161,183319350,189280542,191710983,197472580,195815652,191422677]
[]
[null,"Liabilities and Equity"]
[null,"Deposits and obligations"]
[null,null,"Non-interest bearing ",null,"-",27437778,30099692,31885834,35761340,44355685,49107276,43733838,44464518,45880454,47272754,44590124,45294239,40978979,42188122,39395493,37968322,36465910,36740398,39385047,38529409,41171770,45296819,44267223,46158361,44639208]
[null,null,"Interest bearing ",null,"-",56859259,57774137,59035217,62258736,62066600,65263615,74612197,80288334,78320355,77851798,79200967,76416598,79282172,82294328,81232946,84477317,81295129,85638878,83047645,84392216,85955135,85282102,92516659,89206307,91339219]
[null,null,"Total deposits and obligations",null,"-",84297037,87873829,90921051,98020076,106422285,114370891,118346035,124752852,124200809,125124552,123791091,121710837,120261151,124482450,120628439,122445639,117761039,122379276,122432692,122921625,127126905,130578921,136783882,135364668,135978427]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"Payables from repurchase agreements and securities lending",null,null,"-",7807525,5663472,5744528,6722157,20656894,24169302,23736011,22313686,21394306,19109582,18042526,16093566,14886829,13608037,10879734,9578869,11759891,9926108,7583520,6816019,5526878,5122666,6711406,7070379,5227145]
[null,null,"BCRP instruments",null,"-",6091769,4086799,4322203,5286863,19186502,23644352,23203388,21777527,20845181,18547001,17484261,15561430,14339601,13056240,10333799,9040723,11222266,9386448,7039350,6281592,4973913,4289860,6154351,6241943,4355414]
[null,null,"Repurchase agreements with third parties",null,"-",1715756,1576673,1422325,1435294,1470392,524950,532623,536159,549125,562581,558265,532137,547228,551797,545935,538146,537625,539660,544170,534427,552965,832806,557055,828436,871731]
[null,"Due to banks and correspondents",null,null,"-",8673491,8134607,8186521,8229065,7062622,5349981,4910261,4288270,4830856,6191543,5842071,4905616,4946046,7270985,7251352,8535930,8670982,9030671,10497414,8830355,10892721,11160491,8962379,9007034,8935346]
[null,"Bonds and notes issued",null,null,"-",14165988,16371246,14180646,14435544,14831741,13946887,13678986,15010690,14179541,14652059,14294675,13319276,13833991,14066770,13287386,10396500,10152890,10549221,10350260,13316718,13711522,13045879,13317657,10350044,9772249]
[null,"Banker’s acceptances outstanding",null,null,"-",534637,434457,535222,555598,331591,256238,455343,532584,558934,776863,532404,524448,743925,697119,699678,496170,226161,325771,412401,322346,473382,466957,528184,639749,559370]
[null,"Financial liabilities at fair value through profit or loss",null,null,"-",70459,13977,"-",9131,108189,116523,205898,461069,84071,484531,0,0,210393,140146,7669,193031,138339,42768,91966,0,468746,354562,0,367988,387867]
[null,"Other liabilities (3)",null,null,"-",3663557,4172530,3456215,4103298,4756793,4148198,3299330,3648048,3695174,4690015,3884639,5668164,4963871,4579331,4731200,7705309,5432431,5356302,4544335,8792640,7451061,5629964,5157194,10113925,5766446]
[null,"Total Liabilities",null,null,"-",119212694,122664118,123024183,132074869,154170115,162358020,164631864,171007199,168943691,171029145,166387406,162221907,159846206,164844838,157485458,159351448,154141733,157610117,155912588,160999703,165651215,166359440,171460702,172913787,166626850]
[]
[null,"Net equity",null,null,"-",17539109,18014193,18854033,18715973,16964956,17240659,18220340,18168085,18912120,19509998,20633250,20141237,20988644,22093569,23123825,21779294,23226759,24230519,25001573,22319647,23629323,25351543,26011878,22901866,24795827]
[null,"Capital stock",null,null,"-",9924006,9924006,9924006,9924006,10774006,10774006,10774006,11024006,11024006,11024006,11024006,11882984,11882984,11882984,11882984,12679794,12679794,12679794,12679794,12679794,12679794,12679794,12679794,12679794,12679794]
[null,"Reserves",null,null,"-",4476256,4476256,4476256,4476256,5945313,5945313,5947808,6488641,6488969,6488968,6488969,7297648,7298035,7298035,6540665,6820019,6820497,6820930,6372059,6372059,6372468,6372468,5905440,5905440,5906590]
[null,"Unrealized gains and losses",null,null,"-",235391,296915,296456,-22277,333548,330977,697475,-68242,-123542,-583178,-495371,-780063,-1089747,-1274918,-549319,-467041,-274021,-375086,-109202,-161369,-97152,222730,81399,140002,282927]
[null,"Retained earnings",null,null,"-",2903456,3317016,4157315,4337988,-87911,190363,801051,723680,1522687,2580202,3615646,1740668,2897372,4187468,5249495,2746522,4000489,5104881,6058922,3429163,4674213,6076551,7345245,4176630,5926516]
[]
[null,"Total Net Equity",null,null,"-",17539109,18014193,18854033,18715973,16964956,17240659,18220340,18168085,18912120,19509998,20633250,20141237,20988644,22093569,23123825,21779294,23226759,24230519,25001573,22319647,23629323,25351543,26011878,22901866,24795827]
[]
[null,"Total liabilities and equity",null,null,"-",136751803,140678311,141878216,150790842,171135071,179598679,182852204,189175284,187855811,190539143,187020656,182363144,180834850,186938407,180609283,181130742,177368492,181840636,180914161,183319350,189280538,191710983,197472580,195815653,191809521]
[]
[null,"Off-balance sheet",null,null,"-",110145630,117936663,112104535,116914484,113527769,112924725,112868480,117468548,119457875,135953567,133169883,127873817,131117219,135853514,134450003,138810501,129969150,138269632,134844989,147001354,147994313,140242082,135041209,133060043,135664961]
[null,"Total performance bonds, stand-by and L/Cs.",null,null,"-",17679494,18482892,18886836,18238441,17490977,16978003,19477403,20320875,21229047,20762191,21203561,19638213,19490337,20443858,19738086,17932454,17955670,18226992,19328506,19720490,20008285,19593247,21683478,20571287,20908399]
[null,"Undrawn credit lines, advised but not committed",null,null,"-",65955854,69496193,66842575,69951222,69526957,68568756,70775980,74532576,75613731,79357524,73424937,68137602,71528880,73712295,73473563,73838085,73510275,76290046,74091027,75957799,77032694,75257883,71516643,69917928,68251113]
[null,"Total derivatives (notional) and others",null,null,"-",26510282,29957578,26375124,28724821,26509835,27377966,22615097,22615097,22615097,35833852,38541385,40098002,40098002,41697361,41238354,47039962,38503205,43752594,41425456,51323065,50953334,45390952,41841088,42570828,46505449]
[]
[null,"(1) Right of use asset of lease contracts is included by application of IFRS 16."]
[null,"(2) Mainly includes intangible assets, other receivable accounts, trading derivatives receivable accounts and tax credit."]
[null,"(3) Mainly includes other payable accounts, trading derivatives payable accounts and taxes for payable."]
[]
[]
[]
[]
[null,"BANCO DE CREDITO DEL PERU "]
[null,"STATEMENT OF INCOME"]
[null,"(In S/ thousands, IFRS)"]
[]
[null,"S/000",null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2019,2020,2021,2022,2023,2024]
[null,"Interest income and expense"]
[null,null,"Interest and similar income",null,2084753,2150148,2201538,2222330,2179313,1968404,2055845,1994352,1939749,1930221,1996856,2059066,2120216,2340804,2772379,3119180,3205509,3323237,3450119,3507996,3522708,3565956,3616878,3639485,3519001,3535213,null,8658769,8197914,7925892,10352579,13486861,14345027]
[null,null,"Interest and similar expenses (1)",null,-588884,-619047,-632121,-575223,-562729,-546174,-572948,-424178,-492099,-382994,-393036,-399009,-414863,-481139,-661526,-751858,-817056,-912744,-1002366,-936600,-911699,-904173,-856286,-857707,-814465,-783739,null,-2415275,-2106029,-1667138,-2309386,-3668766,-3529865]
[null,null,"Net interest, similar income and expenses",null,1495869,1531101,1569417,1647107,1616584,1422230,1482897,1570174,1447650,1547227,1603820,1660057,1705353,1859665,2110853,2367322,2388453,2410493,2447753,2571396,2611009,2661783,2760592,2781778,2704536,2751474,null,6243494,6091885,6258754,8043193,9818095,10815162]
[]
[null,"Provision for credit losses on loan portfolio",null,null,-330881,-372789,-425527,-429442,-1151580,-2017137,-853111,-614866,-435378,-337668,-103385,-161595,-202768,-268439,-412876,-564240,-532192,-657546,-733594,-922169,-657384,-844236,-714464,-616654,-467002,-441020,null,-1558639,-4636694,-1038026,-1448323,-2845501,-2832738]
[null,"Recoveries of written-off loans",null,null,54244,44810,48257,43673,34422,14089,33342,38392,50025,55807,70441,68765,56125,51155,53547,53602,47417,53892,59331,52943,55320,64914,79057,80396,84839,81258,null,190984,120245,245038,214429,213583,279687]
[null,"Provision for credit losses on loan portfolio, net of recoveries",null,null,-276637,-327979,-377270,-385769,-1117158,-2003048,-819769,-576474,-385353,-281861,-32944,-92830,-146643,-217284,-359329,-510638,-484775,-603654,-674263,-869226,-602064,-779322,-635407,-536258,-382163,-359762,null,-1367655,-4516449,-792988,-1233894,-2631918,-2553051]
[]
[null,"Risk-adjusted net interest income",null,null,1219232,1203122,1192147,1261338,499426,-580818,663128,993700,1062297,1265366,1570876,1567227,1558710,1642381,1751524,1856684,1903678,1806839,1773490,1702170,2008945,1882461,2125185,2245520,2322373,2391712,null,4875839,1575436,5465766,6809299,7186177,8262111]
[]
[null,"Other income"]
[null,null,"Fee income ",null,595713,600784,622750,640298,578583,379049,568394,636331,614424,637821,669583,719473,706861,727644,761968,741992,698207,723231,757688,748269,704628,742354,804059,809060,831427,853720,null,2459545,2162357,2641301,2938465,2927395,3060101]
[null,null,"Net gain on foreign exchange transactions",null,168246,182415,182241,195254,174787,142210,151694,179165,172489,238775,231547,237450,238738,240387,242395,267859,239547,244314,238376,266027,259059,289381,297478,311657,303693,347077,null,728156,647856,880261,989379,988264,1157575]
[null,null,"Net gain (loss) on securities",null,-88608,115776,81550,21921,-37980,-22406,174600,11196,41963,-79648,-30044,115361,90463,112761,132170,37096,26998,36377,54382,63754,77981,66080,73084,88641,100397,215491,null,130639,125410,47632,372490,181511,305786]
[null,null,"Net gain (loss) from associates",null,189202,0,98309,97515,41237,-166973,-254578,27656,14110,1969,73843,-7952,5701,7421,2958,-864,-7269,-1355,817,-1373,-535,2647,3078,88,1509,1352,null,385026,-352658,81970,15216,-9180,5278]
[null,null,"Net gain (loss) on derivatives held for trading ",null,12151,11711,964,-5436,-1309,34437,11496,4410,11828,31076,4260,26429,-9976,-16568,15290,9957,20553,36271,3288,29594,18725,17151,13899,23551,13752,35945,null,19390,49034,73593,-1297,89706,73326]
[null,null,"Net gain (loss) from exchange differences",null,11931,4652,-15129,1639,-12182,10806,2637,4966,-3052,55219,7277,-1993,-10017,7249,10109,4812,4691,7961,5587,-13,8988,6109,-10324,-1525,1549,1622,null,3093,6227,57451,12153,18226,3248]
[null,null,"Others",null,42323,44783,80150,27640,72083,19983,36864,31447,49931,41143,32642,34444,110750,45276,36792,9937,66439,113963,52781,59169,44339,72302,18406,94340,23180,27968,null,194896,160377,158160,202755,292352,229387]
[null,null,"Total other income",null,930958,960121,1050835,978831,815219,397106,691107,895171,901692,926356,989108,1123212,1132520,1124170,1201682,1070789,1049166,1160762,1112919,1165427,1113185,1196024,1199680,1325812,1275507,1483175,null,3920745,2798603,3940368,4529161,4488274,4834701]
[]
[null,"Total expenses"]
[null,null,"Salaries and employee benefits",null,-437743,-444732,-446561,-458095,-447977,-400800,-386520,-366503,-418397,-444587,-449094,-512934,-501213,-487698,-536526,-564902,-546048,-563407,-552835,-592595,-588744,-623526,-640392,-762850,-745935,-721895,null,-1787131,-1601800,-1825012,-2090339,-2254885,-2615512]
[null,null,"Administrative expenses",null,-383990,-442448,-467914,-558600,-364477,-342849,-411350,-520291,-379632,-461866,-580194,-621878,-463927,-575071,-571621,-736377,-571780,-599803,-690092,-794793,-555189,-637878,-644392,-820566,-562439,-655997,null,-1852952,-1638967,-2043570,-2346996,-2656468,-2658025]
[null,null,"Depreciation and amortization (2)",null,-58677,-50595,-56590,-60225,-103286,-109693,-105744,-105542,-103864,-104592,-111360,-117924,-105859,-109824,-113129,-119047,-112872,-112661,-111147,-123363,-119026,-117218,-123740,-131376,-145142,-152670,null,-226087,-424265,-437740,-447859,-460043,-491360]
[null,null,"Other expenses",null,-20955,-25716,-39893,-52211,-137514,-68142,-73863,-105980,-42193,-50764,-37124,-48719,-43686,-46381,-43590,-59997,-37748,-44011,-65529,-81869,-45954,-57643,-57047,-106338,-48353,-51591,null,-138775,-385499,-178800,-193654,-229157,-266982]
[null,null,"Total expenses",null,-901365,-963491,-1010958,-1129131,-1053254,-921484,-977477,-1098316,-944086,-1061809,-1177772,-1301455,-1114685,-1218974,-1264866,-1480323,-1268448,-1319882,-1419603,-1592620,-1308913,-1436265,-1465571,-1821130,-1501869,-1582153,null,-4004945,-4050531,-4485122,-5078848,-5600553,-6031879]
[]
[null,"Profit before income tax ",null,null,1248825,1199752,1232024,1111038,261391,-1105196,376758,790555,1019903,1129913,1382212,1388984,1576545,1547577,1688340,1447150,1684396,1647719,1466806,1274977,1813217,1642220,1859294,1750202,2096011,2292734,null,4791639,323508,4921012,6259612,6073898,7064933]
[]
[null,null,"Income tax",null,-315685,-294965,-286138,-270739,-80773,302083,-98485,-179868,-264385,-332152,-324697,-353540,-420120,-391499,-398244,-385123,-420795,-393752,-362413,-320936,-431670,-397170,-456956,-481509,-517741,-542848,null,-1167527,-57043,-1274774,-1594986,-1497896,-1767305]
[]
[null,"Net profit attributable to BCP Stand-alone",null,null,933140,904787,945886,840299,180618,-803113,278273,610687,755518,797761,1057515,1035444,1156425,1156078,1290096,1062027,1263601,1253967,1104393,954041,1381547,1245050,1402338,1268693,1578270,1749886,null,3624112,266465,3646238,4664626,4576002,5297628]
[]
[]
[]
[null,"(1) Financing expenses related to lease agreements are included according to the application of IFRS 16."]
[null,"(2) The effect of the application of IFRS 16 is included, which corresponds to a greater depreciation for the asset for right-of-use."]
[]
[]
[]
[]
[]
[]
[null,null,"BANCO DE CRÉDITO DEL PERÚ "]
[null,null,"SELECTED FINANCIAL INDICATORS"]
[]
[null,null,"%",null,null,null,null,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,"2019","2020","2021","2022",2023,2024]
[null,null,"Profitability"]
[null,null,"ROAA (1)(2)",null,"-",0.22934679235759525,4.8001339632221654E-2,2.3800000000000002E-2,4.2425520800057126E-2,-1.8771441652658094E-2,6.0000000000000001E-3,1.35E-2,1.6246498430782619E-2,1.692721922577765E-2,2.235790913850294E-2,2.1939708681749773E-2,2.5045494686014927E-2,2.5464413770963725E-2,2.8062856130944835E-2,2.3115955374389648E-2,2.7944975124054906E-2,2.7982586986503855E-2,2.4596100952657025E-2,2.1039909167514307E-2,3.034420410592039E-2,2.6732160190749598E-2,2.9446072169473734E-2,2.6079066180099017E-2,3.2104087812604126E-2,3.6172873569586185E-2,null,4.9000000000000002E-2,0.04,1.9716169496729226E-2,2.5376747131576789E-2,2.531510508260398E-2,2.7993098894253866E-2]
[null,null,"ROAE (1)(2)",null,"-",3.1220423384595276E-2,0.21283783992834196,0.182,5.831881434555073E-3,-0.18006549100781541,6.5000000000000002E-2,0.13800000000000001,0.16610073120779478,0.17211576904712367,0.220188798545671,0.20634982002452815,0.22689187971880553,0.22486386478968903,0.23955983876687115,0.188,0.22512502973345794,0.2228974844783656,0.18617047526408911,0.1550274939560258,0.23356067320326906,0.2167709091193992,0.22904257697194294,0.19760257012475863,0.25813112976998859,0.29349612359658567,null,0.20200000000000001,1.4E-2,0.18769117602774929,0.21320556732825491,0.1901699389582191,0.20769533901950685]
[null,null,"Net interest margin (1)(2)",null,"-",4.858671253895986E-2,4.8432801769670984E-2,4.9799999999999997E-2,4.7017709645191696E-2,3.7342103251024203E-2,3.5299999999999998E-2,3.5999999999999997E-2,3.233845984055686E-2,3.4308687438593451E-2,3.5677862593891524E-2,3.681836046855444E-2,3.846621496076779E-2,4.2883571859915974E-2,4.8269460630991017E-2,5.4110076611258169E-2,5.5515368329432706E-2,5.6731967692880456E-2,5.7684305711551712E-2,5.9823690719738989E-2,6.0311658439000604E-2,6.0842936461089701E-2,6.1650172845311449E-2,6.0099825361452426E-2,5.7952614730868948E-2,6.0035256454795419E-2,null,4.8300000000000003E-2,3.9399999999999998E-2,3.5184643677913567E-2,4.5711873494712459E-2,5.7009211378300222E-2,6.0038676319290454E-2]
[null,null,"Risk adjusted NIM (1)(2)",null,"-",3.820152830446507E-2,3.6790099564746492E-2,3.8100000000000002E-2,1.4512337813469991E-2,-1.5249970627854407E-2,1.5800000000000002E-2,2.2800000000000001E-2,2.3730217161084539E-2,2.8058614921678101E-2,3.4945005100349133E-2,3.4759486344174424E-2,3.5158512003965373E-2,3.7873038227240204E-2,4.0052584790241624E-2,4.2438381210032801E-2,4.4247630307415631E-2,4.2524716634413137E-2,4.1794470004277329E-2,3.9601092804227009E-2,4.6404590969521008E-2,4.3029223273827875E-2,4.7460118184166011E-2,4.851406540911915E-2,4.9763651779962371E-2,5.21854988584343E-2,null,3.8300000000000001E-2,1.03E-2,3.0726727578181682E-2,3.8699284534844808E-2,4.1726860821257011E-2,4.586581394185766E-2]
[null,null,"Funding Cost (1)(2)(3)",null,"-",3.4637306532248315E-2,2.1704918160845705E-2,3.0800000000000001E-2,2.8703347146791656E-2,1.5809341953877596E-2,2.29E-2,1.0699999999999999E-2,1.2037764888660494E-2,9.2574633651448801E-3,9.537299875182011E-3,9.7602524208526276E-3,1.0436816255947043E-2,1.241820034882739E-2,1.6888789829470105E-2,1.9310895081252277E-2,2.1572161613036142E-2,2.4396623955477172E-2,2.6709276032993855E-2,2.4749201534533732E-2,2.4091249068455653E-2,2.3398200648706149E-2,2.1598431990754417E-2,2.1068493097940184E-2,1.9891231622345969E-2,1.9489614054935676E-2,null,3.2500000000000001E-2,2.23E-2,1.0334301036441495E-2,1.4708655804712195E-2,2.4223408583220623E-2,2.2295817304825206E-2]
[]
[null,null,"Quality of loan portfolio"]
[null,null,"IOL ratio",null,"-",2.8512224038267225E-2,2.8123696775131626E-2,2.69E-2,2.7892638911497437E-2,2.6501787514161445E-2,2.87E-2,3.1899999999999998E-2,3.054062527198674E-2,3.0715402979397909E-2,3.4607089394650077E-2,3.6735611272696853E-2,3.8897593718399757E-2,3.8852964350423791E-2,4.0037906869911641E-2,3.9335424506372896E-2,3.9597967452555609E-2,4.0757197154221755E-2,4.372690909790309E-2,4.169747048389328E-2,4.3255353045562522E-2,4.0610197354277407E-2,4.0892656448621355E-2,3.5303200205283006E-2,3.5164024961995284E-2,3.4138454478643311E-2,null,2.69E-2,3.1899999999999998E-2,3.6735611272696853E-2,3.9335424506372896E-2,4.169747048389328E-2,3.5303200205283006E-2]
[null,null,"NPL ratio",null,"-",4.0352280520314136E-2,3.9937935619048494E-2,3.7999999999999999E-2,3.7882235448933238E-2,3.5923495904426429E-2,4.07E-2,4.5100000000000001E-2,4.5395839160406903E-2,4.5029918851570608E-2,4.8558392002954136E-2,5.0441372215741687E-2,5.2179070934235794E-2,5.132895806235524E-2,5.3403858986342485E-2,5.5335468806076031E-2,5.6136352982648664E-2,5.7325542619675221E-2,6.1161715892109246E-2,6.0412031859223204E-2,6.3880916400739993E-2,6.026048257675707E-2,5.9140760149910494E-2,5.2207963020394876E-2,5.0261329086810018E-2,4.8514096916936693E-2,null,3.7999999999999999E-2,4.5100000000000001E-2,5.0441372215741687E-2,5.5335468806076031E-2,6.0412031859223204E-2,5.2207963020394876E-2]
[null,null,"Coverage of IOLs",null,"-",1.4380936609230515,1.4507978677668454,1.4810000000000001,1.6044273476773439,2.1725205182317167,2.2320000000000002,2.0569999999999999,2.0990765660645661,1.9513639010324775,1.6598039903743786,1.5048853766019954,1.4110425901971846,1.3607486752716347,1.2769246574569657,1.315828043495282,1.3506241786013744,1.3373737854183656,1.2491016045622565,1.3584283552950505,1.3407328980011637,1.385069105563717,1.4064307064779789,1.5302073559172156,1.53742789134963,1.5538877260563417,null,1.4810000000000001,2.0569999999999999,1.5048853766019954,1.315828043495282,1.3584283552950505,1.5302073559172156]
[null,null,"Coverage of NPLs",null,"-",1.0161321273430408,1.0216301539537198,1.0489999999999999,1.1813376939917604,1.6027303494490495,1.57,1.4510000000000001,1.4121803232860872,1.3310467819679832,1.1829260134682491,1.0959829555858969,1.0518807715458298,1.0300057076161369,0.95733513430613015,0.93536127523679224,0.9527154762159693,0.95084328120212391,0.89303171959871996,0.93761167281036051,0.90784350179060203,0.93341319752308605,0.97247122886165427,1.0347313611994207,1.0756212326839083,1.0934414690171776,null,1.0489999999999999,1.4510000000000001,1.0959829555858969,0.93536127523679224,0.93761167281036051,1.0347313611994207]
[null,null,"Cost of risk (4)",null,"-",1.4473106683356227E-2,1.6218709558483604E-2,1.61E-2,4.4362434743803317E-2,7.1651807887755672E-2,2.8899999999999999E-2,2.0299999999999999E-2,1.3689587859044703E-2,9.4844780006847831E-3,1.0849364288063037E-3,3.0249567074863118E-3,4.8661615594308471E-3,6.9234440833248626E-3,1.139130384404633E-2,1.6511127719629773E-2,1.6192712704759298E-2,2.0345336500986699E-2,2.2736261259406271E-2,2.9088106114734689E-2,2.0514925519889149E-2,2.6371702554255114E-2,2.1291760105057629E-2,1.8005950025688736E-2,1.2741436740914365E-2,1.1973230181391466E-2,null,1.9099999999999999E-2,5.3100000000000001E-2,6.4600731701932443E-3,9.9742779750453658E-3,2.1650050715302082E-2,2.1275758231563302E-2]
[]
[null,null,"Operating efficiency",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Oper. expenses as a percent. of total income - reported (5)",null,"-",0.40236404834160922,0.41142585742230781,0.434,0.38833102823906795,0.42908848452179582,0.40799999999999997,0.41399999999999998,0.40203170454028775,0.40278783706582716,0.45326997516776363,0.47426683263825159,0.40707551885073084,0.41605257210089353,0.38886523817787283,0.41873534394161221,0.368214081303889,0.37281424317777384,0.39208642571946389,0.41803896067959823,0.35063941714785135,0.37065460387022187,0.37631603163622046,0.43693320786860551,0.37690362108728559,0.38348512598999296,null,0.40899999999999997,0.40899999999999997,0.43448346140186617,0.40336295282708828,0.38831691090537029,0.39314024294269762]
[null,null,"Oper. expenses as a percent. of av. tot. assets (1)(2)(5)",null,"-",3.0880304827489956E-2,2.8001718659856803E-2,3.0700000000000002E-2,2.7436737159871584E-2,2.1205922618599517E-2,2.06E-2,2.1899999999999999E-2,1.9394115307952729E-2,2.1452766382571178E-2,2.4115501286520857E-2,2.6499999999999999E-2,2.3195364821088527E-2,2.5828182299927571E-2,2.656584679293307E-2,3.09E-2,2.7217336538858258E-2,2.8471380220578102E-2,3.0156783682410253E-2,3.3317293297385968E-2,2.7739545359954536E-2,2.9600051521217294E-2,3.1170477972335589E-2,3.5249011426014297E-2,2.956642735465104E-2,3.1639104328175072E-2,null,2.7699999999999999E-2,2.2700000000000001E-2,2.3300000000000001E-2,2.6599999999999999E-2,2.9715339761713103E-2,3.2005946747759639E-2]
[]
[]
[null,null,"(1) Ratios are annualized."]
[null,null,"(2) Averages are determined as the average of period-beginning and period-ending balances."]
[null,null,"(3) The funding costs differs from previously reported due to a methodoloy change in the denominator, which no longer includes the following accounts: acceptances outstanding, reserves for property and casualty claims, reserve for unearned premiums, reinsurance payable and other liabilities."]
[null,null,"(4) Cost of risk: Annualized provision for loan losses / Total loans."]
[null,null,"(5) Total income includes net interest income, fee income, net gain on foreign exchange transactions, result on exchange difference and net gain on derivatives. Operating expenses\nincludes Salaries and social benefits, administrative, general and tax expenses and depreciation and amortization"]

{"sheet":"12.5.5 BCP Bolivia","index":28,"n_rows":56,"n_cols":35,"rows_kept":56,"cut":false,"hidden":false,"merged":[[34,29,34,34]]}
[null,"Back to index"]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"BCP Bolivia"]
[null,null,null,null,null,null,null,null,null,"Statement of Financial Position"]
[null,null,null,null,null,null,null,null,null,"(In S/  thousands, IFRS)"]
[]
[null,"S/000",null,null,null,null,null,null,null,null,null,null,null,null,"As of"]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 24","Jun 25"]
[null,"ASSETS",null,null,null,null,null,null,0,0,0,0,0,0,0,0]
[null,"Cash and due from banks",1170662.245750254,1437174.6774911387,1458634.47814275,1641784.2521808257,2080340.9774920447,1902834.8497625401,2184964.4173900802,2325205.4218484634,2124586.3884585807,2228226.4844544246,2625522.8977075447,2374837.7853729674,2220656.8251514952,2308216.5396926715,1984367.3491454632,1945703.9676569635,1979855.5004030424,2220057.8887075367,2514710.1416955516,2552099.1146080084,2374484.1118042078,2385328.200374308,2215684,2216270,1646883,1218865]
[null,"Investments",1467973.6823221548,1214420.2630934285,1293203.153518945,1267784.5111428387,1406482.5539949134,1410359.1679918508,1282579.0308628106,1483228.9187100932,1568082.83679393,1671904.3567429301,1794095.7296399297,1778291.761556613,1598725.1244180526,1562065.1287175319,1548423.6482091474,1526953.9572065689,1668326.4655471034,1459846.2718539324,1530566.0991247192,1522672.6289003142,1578839.4898029875,1495590.8730494722,1405967,1739760,1248084,685760]
[null,"Total loans",7275812.021286035,7277055.3765533566,7653370.0606123907,7619923.0323678395,7945254.4411644032,8374582.7871030318,8449616.9895493314,8838281.261490006,8822908.8632639442,9197758.923867587,9919102.3817938101,9596816.1243559103,8890947.9929392692,9208057.4831390567,9642981.9595445152,9253907.9186398238,9362119.877024062,9087399.5406150073,9598392.8834478147,9401799.9981121495,9739036.3208658211,10228585.983395165,9829567,9938971,6293810,4189040]
[null,"Current",7095956.3978543952,7115507.1943211472,7479263.4409520887,7464400.1576647777,7775929.792910872,8221416.6619134396,8321906.1898206677,8703786.0825043954,8435718.8674032893,9045299.6934714075,9782779.8179643638,9471576.6239341721,8688238.9425580427,8987381.2656635307,9411839.8388474192,8997604.1407410689,9108055.363433741,8815935.8097754773,9299718.6657760255,9112231.4982613139,9434678.1297103371,9891230.354156753,9504083,9609399,6075092,4050247]
[null,"Internal overdue loans",155155.0271808629,139486.97166458869,155533.15007800001,133219.3836348654,147421.30104675569,128441.46702600789,100875.3942542255,89481.427947922493,188432.45636669392,112004.59095208861,95751.056694238505,89849.99335266641,170937.4736940609,191007.05403660767,203914.82988385673,231246.6437133936,228195.18621860881,242399.43014880992,251779.10013784739,240528.03996466703,250051.34246821894,282933.79584026471,270433,266296,174431,110562]
[null,"Refinanced",24700.596250777402,22061.210567620201,18573.469582302299,22303.491068196101,21903.347206774903,24724.658163584001,26835.4054744366,45013.751037689297,198757.5394939617,40454.639444090128,40571.507135206404,35389.507069072097,31771.5766871669,29669.1634389172,27227.290813238898,25057.134185361097,25869.327371712199,29064.3006907206,46895.117533941899,49040.459886169498,54306.848687264704,54421.833398147202,55051,63276,44287,28231]
[null,"Allowance for loan losses",-235076.59299217339,-231813.9629653036,-235398.01794949968,-231884.78974141279,-263746.2964944783,-376246.52761559258,-434471.46895874181,-614337.15769216034,-487160.8371216986,-433952.68918955972,-467582.79598747229,-448075.27433302673,-404078.46738663409,-413446.06508967839,-414696.9823636685,-397602.44667923346,-392762.44609319069,-362495.40443953156,-377841.82234098989,-351687.6341858845,-352327.07883233024,-365685.958642221,-357720,-366704,-226534,-153555]
[null,"Net loans",7040735.4282938614,7045241.4135880526,7417972.0426628906,7388038.2426264267,7681508.1446699249,7998336.2594874389,8015145.5205905894,8223944.1037978455,8335748.0261422452,8763806.2346780282,9451519.5858063381,9148740.8500228841,8486869.5255526341,8794611.4180493783,9228284.977180846,8856305.4719605912,8969357.4309308715,8724904.136175476,9220551.0611068252,9050112.3639262654,9386709.2420334909,9862900.0247529447,9471846,9572267,6067276,4035485]
[null,"Property, plant and equipment, net",45073.580018475506,45862.430242523908,49972.108466614212,49297.343056471502,51638.862714480303,50949.575455121005,50678.386346621097,54897.722743525097,55179.1702322044,56091.196875467998,61985.772140485104,67169.836086350304,62644.813163213301,64017.446991851997,66016.331367594801,63956.886686680591,63691.627309041505,60510.484788731694,65193.810118763096,66128.614178193006,65712.361717232387,67288.532661228601,130797,132210,81105,52161]
[null,"Other assets",123196.86845245279,101709.3849685108,113728.7652154497,134023.87628496232,138719.8025530164,175573.37767390852,192488.7673473224,385143.86130447767,386072.5269326244,393291.96716124821,414891.63518148026,430775.39616172394,368349.61813644564,350794.93186872033,316285.96365755331,304873.08384511148,290841.82694043068,262197.44062286569,270614.34638668515,309864.54800731805,339171,370700.35571714205,264972,314226,210298,194583]
[null,"Total assets",9847641.8048371971,9844408.1693836544,10333510.548006648,10480928.225291526,11358690.341424379,11538053.230370861,11725856.122537425,12472420.028404403,12469668.948559586,13113320.239912098,14348015.620475778,13799815.629200539,12737245.90642184,13079705.465320153,13143378.269560605,12697793.367355915,12972072.851130489,12727516.222148543,13601635.458432546,13500877.2696201,13744914.747392759,14181807.986555096,13489266,13974733,9253646,6186854]
[]
[null,"LIABILITIES AND NET SHAREHOLDERS' EQUITY"]
[null,"Deposits and obligations",8728072.790942071,8589044.5780908372,8985603.2844212838,8965775.8955488447,9769903.4889342077,9990772.9116299301,10023972.707248596,10722703.438451521,10691223.606833635,11057286.479704965,12114177.792850811,11554074.823980074,10678175.226433899,10955468.3711551,11173681.97756719,10985891.734518165,10836041.232248062,10637386.332858099,11422220.594427701,11482143.353775481,11727803,12327705.785613252,11704551,12145811,7971085,5195468]
[null,"Due to banks and correspondents",29033.945517267399,27150.669974633398,29500.850622898197,42434.895622694698,55691.353535784197,54570.589271860503,83659.520073816195,78187.064433093401,89702.144599495688,119795.37239379161,89696.902632773796,106430.1714043195,89938.315112297001,86638.687567760906,86985.656675756196,77909.216812930594,81653.013950705397,81339.222310050507,91032.695909618793,78295.891346201402,76650,1.7874399999999999E-4,2032,0]
[null,"Bonds and subordinated debt",103558.82738838141,102966.02533139031,105677.80474600909,103916.0948477521,106703.3405982883,111239.075279349,110625.1151916595,168936.39696914921,173207.8510694053,178578.28059195288,191218.32192775351,185591.7790536877,171787.49465666991,178395.157562637,101756.96061059549,99065.211106062503,94606.643497321609,154264.00566988142,162809.0964282885,161916.33924519341,161970,167651.64284031812,162042,157253,97465,64048]
[null,"Other liabilities",320460.60950900696,434668.29237321892,478254.50390176178,632328.10294561472,716331.9831624853,683891.55014777335,824117.38103604631,811552.99489535345,795200.15263449203,994580.23285328003,1111165.6058860929,1119145.1089640553,1007946.1509458097,1038526.6616197636,909267.54347510624,675099.25635000551,1109657.1433565903,999370.11550242035,1035891.1559164104,889949.10447088641,879270,703718.10895044403,651779,665519,475663,374043]
[null,"Total liabilities",9181126.1733567268,9153829.5657700803,9599036.4436919522,9744454.988964906,10648630.166230766,10840474.126328913,11042374.723550119,11781379.894749118,11749333.755137028,12350240.365543991,13506258.623297431,12965241.883402137,11947847.187148675,12259028.877905263,12271692.138328647,11837965.418787163,12121958.033052679,11872359.676340451,12711953.542682018,12612304.688837761,12845693.10523162,13199075.537582757,12520404,12968583,8544213,5633559]
[]
[null,"Net equity",666515.63101130712,690578.60346982675,734474.10434921668,736473.23637975787,710060.17540971062,697579.10417114,683481.39911747002,691040.13378848333,720335.19356521918,763079.8745313792,841756.99731755548,834573.74602055072,789398.71941989195,820676.58751037775,871686.1313539471,859827.9486411002,850114.81816557702,855156.54594573076,889681.915800335,888572.58091210062,899221.64228046103,982732.44909522438,968862,1006150,709433,553295]
[]
[null,"TOTAL LIABILITIES AND NET SHAREHOLDERS' EQUITY",9847641.804368034,9844408.1692399066,10333510.548041169,10480928.225344663,11358690.341640476,11538053.230500054,11725856.122667588,12472420.028537601,12469668.948702248,13113320.24007537,14348015.620614987,13799815.629422687,12737245.906568568,13079705.46541564,13143378.269682594,12697793.367428264,12972072.851218257,12727516.222286182,13601635.458482353,13500877.269749861,13744914.747512082,14181807.986677982,13489266,13974733,9253646,6186854]
[]
[null,"S/000","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,"2019","2020","2021","2022","2023","2024"]
[null,"Net interest income",null,81048.299514296988,84320.992811780307,85969.712761861767,86645.654913023289,83163.657945856219,91255.387632728991,-79372.570013310193,75189.078095973484,79896.661190454703,97602.539611770786,83841.968164649428,81156.920423972886,82085.753259327699,82406.521013633872,78976.502502586009,82670.151661309283,82279.374249321452,83227.290461001307,84160.405996738016,86848,91048,87688,87812,71066,41983,null,329032.79742178548,181692.13047829832,336530.24706284842,324625.69719952048,332337.22236837004,353396]
[null,"Provision for loan losses, net of recoveries ",-14559.599063007301,-13459.379828749901,-8865.6889424383007,-23776.794891744197,-36009.867852835603,-100706.51618836752,-71995.883425505279,-36599.027357782841,-23581.381283058501,49115.769629338203,-23161.291410604499,-7908.3150342827012,2858.1724915974,-31509.131799197596,-6341.6046251812022,-17126.126534108505,-3349.1799861918998,4336.5399707830002,-11497.067128921401,-27530.334561125197,-14653,-23466,-10542,-25027,-5743,-11042,null,-60661.462725939702,-245311.29482449123,-5535.2180986075009,-54976.862958487305,-38040.0417054555,-73688]
[null,"Net interest income after provisions",63134.193270839103,67588.919685547095,75455.303869342009,62192.91787011757,50635.787060187686,-17542.858242511298,19259.504207223712,-115971.59737109303,51607.696812914983,129012.43081979291,74441.24820116628,75933.653130366729,84015.092915570291,50576.621460130104,157221.83681242555,61850.3759684775,79320.971675117384,86615.91422010446,71730.223332079913,56630.071435612816,72195,67582,77146,62785,65323,30941,null,268371.33469584578,-63619.164346192905,330995.02896424092,269648.83424103318,294297.18066291453,279708]
[null,"Non-financial income",29012.260901737696,30231.847816049911,34035.595362011489,28622.375526493404,26452.168189575495,24950.914680230002,27560.961223159404,31186.766814382314,35623.2570496521,37598.496698652401,44902.458398176881,48201.891207136046,39644.500906626192,43982.486646813792,86685.074610479802,46134.198435919803,45305.703570142898,57443.902693416312,59540.885901561276,48426.628038725285,62748,91766,36365,85923,60815,30938,null,121902.07960629251,110150.81090734722,166326.10335361742,176801.75969321339,210717.12020384576,276802]
[null,"Total expenses",-72995.092760331594,-60149.428679251701,-66523.421271985586,-69054.735849818884,-64024.824467655097,-55333.842222353604,-61479.661986952189,-79517.303837803804,-64742.772687874603,-127984.57824830021,-78514.465336339897,-90747.465479853388,-72562.666601145596,-44295.62005506891,-138412.99495772328,-84186.268001503908,-92548.632097027192,-92554.588530813198,-91978.335811104596,-82729.567789421082,-101422,-98349,-77107,-114966,-93862,-44737,null,-268722.67856138776,-260355.6325147647,-361989.28175236809,-266894.88301429612,-359811.12422836607,-391844]
[null,"Translation result",-6.8533527904999998,-0.58581265269999949,-6.7223827898000001,34.604856495599996,-27.478012976999999,38.416020045799996,-92.683689301099989,215.49508810619997,-12.299689296299999,20.955386558799997,-88.82464870470001,10.0644523051,17.002090792099999,-41.342896935399999,-52.3575367535,188.21068447889999,-50.961084595199999,-58.707474647300003,-30.779542362599997,190.04477360600001,-163,-236,849,1281,3768,2934,null,20.443308262599999,133.7494058739,-70.104499137100007,94.510250790000001,49.5966720009,1731]
[null,"Income taxes",-6504.8366125363,-10864.191218051401,-17385.874812375299,-8308.5311364163972,-6206.8887719515005,8304.9816109953008,-6164.591637746099,143500.23002330138,-11022.6658251472,-23485.881393275897,-17619.263673009202,-10866.468568414099,-30639.872397314801,-33363.5591994071,-71046.245949472199,-7227.8227463106959,-11289.5796148187,-29843.936213868605,-18203.466627841994,-2864.840689855002,-13002,-27725,-20638,-11521,-11817,-5846,null,-43063.433779379397,139433.73122459909,-62994.279459846402,-111637.62789519,-62201.823146384297,-72886]
[null,"Net income",12639.671446918415,26806.561791641197,25574.880764202815,13486.631266871289,6828.7639971795834,-39582.388153593798,-20916.471883616268,-20586.409283106943,11453.215660248981,15161.423263427994,23121.152941289361,22531.674741540381,20474.056914528177,16858.585955532486,34395.312978956368,16758.694341061608,20737.502448819188,21602.584694191668,21058.527252331991,19652.33576866801,20356,33038,16615,23502,24227,14230,null,78507.745269633713,-74256.505323137389,72267.466606506758,68012.593275550433,83050.950164010836,93511]
[]
[null,"Efficiency ratio",0.61814977416661132,0.61672306567455426,0.56788156287353153,0.60091693518957812,0.5636157942661626,0.50957207750248346,0.51233227839824236,"N.A.",0.59720244102583453,0.58857480865403577,0.53048105114561839,0.70215140734055403,0.5988039169179683,0.57990589628849698,0.61310288544671498,0.63433584061415538,0.59316122324928511,0.6066747024257948,0.65328369905956107,0.59000152906429315,0.58055864125350798,0.58197888630484207,0.8029013797080875,0.62972224757384931,0.696236084113801,0.67294982365667877,null,0.60023920833711664,0.87809789846363728,0.59636166802199686,0.60899117105687339,0.61321152687766967,0.63939234665801248]
[null,"ROAE",7.4481676022563989E-2,0.15802328893919629,0.14357296750570636,7.5605557641369975E-2,3.7766228925092883E-2,-0.22495756535228342,-0.12116179897294603,-0.11860074364722598,6.4919460831009371E-2,8.1764968359837181E-2,0.11525733660220046,0.1075285403245551,0.10085913326849591,8.3765453121194267E-2,0.16259073824097284,7.7429087223406717E-2,9.7020802573627787E-2,0.10134497135803237,9.6552329463249528E-2,8.841180294496899E-2,9.1093257762730181E-2,0.14044551567147762,6.8108428289900463E-2,9.5197396268984699E-2,0.112973840379626,9.0154015750026906E-2,null,0.1099923081776546,-0.10403616088637523,9.4738868809390586E-2,0.18043261306789216,9.5002233469324252E-2,9.8706776663396181E-2]
[null,"L/D ratio",0.8336103737398729,0.84724852809774243,0.85173691942102081,0.84988997284114942,0.81323776126995762,0.83823172252813949,0.84294094131353658,0.82425866874169129,0.82524780957948551,0.83182785765292078,0.81880112306487474,0.81880112306487474,0.83262802907838263,0.84049875105140726,0.86300844957859191,0.86300844957859191,0.86397972067164064,0.85428875630329448,0.84032634496048553,0.81881924902293723,0.83042288413541543,0.82972340200819739,0.83980726813014872,0.81830443434365974,0.78958008853248962,0.80628732580010121]
[null,"IOL ratio",2.1324771273219138E-2,1.9168051422834457E-2,2.0322178183757509E-2,1.7483035336312101E-2,1.8554635617830585E-2,1.5337058608317711E-2,1.1938457610444398E-2,1.0124301920307662E-2,2.1357180413737752E-2,1.217737841132626E-2,9.6531977399473626E-3,9.6531977399473626E-3,1.922601210015069E-2,2.0743468900619063E-2,2.1146449380424707E-2,2.1146449380424707E-2,2.4374307231274765E-2,2.6674234918959563E-2,2.6231380940035708E-2,2.5583190454270911E-2,2.5675162739919717E-2,2.7661085931092771E-2,2.7512198655342601E-2,2.6793115705841176E-2,2.7714691101256631E-2,2.6393159291866395E-2]
[null,"NPL ratio",2.4719663304309771E-2,2.2199663720124559E-2,2.274901360857115E-2,2.0410032232928449E-2,2.1311419226080253E-2,1.8289403673394902E-2,1.5114389194991628E-2,1.5217345432491685E-2,4.388461921813603E-2,1.6575693237681727E-2,1.3743437519070327E-2,1.3743437519070327E-2,2.2799486684907937E-2,2.3965556023038164E-2,2.3969983731880133E-2,2.3969983731880133E-2,2.7137498443470104E-2,2.9872542703361614E-2,3.1117106925977724E-2,3.0799261833795756E-2,3.1251366267461007E-2,3.2981648664445577E-2,3.3112750541300549E-2,3.3159569536926913E-2,3.4751287376009125E-2,3.3132412199453815E-2]
[null,"Coverage of IOLs",1.5151078070976494,1.6619040488076908,1.5134909685263069,1.7406234994824377,1.7890650443440961,2.9293228762281815,4.3070113596164958,6.865526978958135,2.5853340051656089,3.8744187671306127,4.883317345317689,4.883317345317689,2.3638963338714274,2.1645591424620312,2.0336774063949465,2.0336774063949465,1.7211688493591975,1.4954466032242497,1.5006877939198449,1.4621481729845158,1.4090189452876478,1.2924788908875187,1.3227675616511299,1.3770541052062366,1.2987026388657978,1.3888587398925489]
[null,"Coverage of NPLs",1.3070294300890821,1.4349524690540614,1.3520337044552495,1.4910011802710594,1.5576367600041887,2.4564604422150627,3.4019947403182185,4.5677262361789319,1.2581958271902798,2.8463523530972541,3.4299736071019891,3.4299736071019891,1.9933913489639357,1.8735415615664772,1.7941212147443937,1.7941212147443937,1.5459161948390796,1.3353364124130906,1.2650634034846531,1.2145231071993223,1.1576066919531052,1.0839776394654077,1.0990401985965517,1.1126673382447538,1.0357355133093755,1.1063598308272031]
[null,"Branches",56,56,56,54,55,55,54,54,55,48,43,45,45,45,45,45,46,46,46,46,46,46,46,46,46,46]
[null,"Agentes",363,388,438,446,555,583,664,851,850,851,876,1011,1078,1090,1177,1355,1355,1355,1351,1350,1350,1350,1541,1350,1848,2056]
[null,"ATMs",299,300,303,301,307,308,310,310,310,305,306,310,310,312,311,312,313,314,314,315,315,315,314,315,314,314]
[null,"Employees",1663,1713,1732,1745,1748,1692,1659,1650,1618,1564,1575,1568,1586,1604,1622,1696,1690,1729,1732,1726,1719,1745,1791,1745,1859,1897]

{"sheet":"12.5.6. Mibanco","index":29,"n_rows":60,"n_cols":35,"rows_kept":60,"cut":false,"hidden":false,"merged":[[37,2,37,16],[7,2,7,16],[37,29,37,34]]}
[null,"Back to index"]
[]
[]
[null,null,null,null,null,null,null,null,null,"Mibanco"]
[null,null,null,null,null,null,null,null,null,"Statement of Financial Position"]
[null,null,null,null,null,null,null,null,null,"(In S/  thousands, IFRS)"]
[]
[null,"S/000","As of"]
[null,null,"Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dec 24","Mar 24","Jun 25"]
[null,"ASSETS"]
[null,"Cash and due from banks",1013958.9553799999,1021867.04342,1138735.7129300002,1146596.4930799999,919001.05105000001,1516398.77899,1532886.3393299999,1861010.8222000001,1373259.3770399999,1477526.5960899999,1577390.54935,1107338.78568,1400084.6195499999,1242266.8446099998,1869624.02678,1850880.53247,1733555.59286,1605461.92245,1618194,1121452.2306600001,1250746,1017485,1590356,1833225,1931908,1668841]
[null,"Investments",1910966.73169,1807916.5317800001,1608428.39705,1521121.40864,1744787.5167,1419390.24541,1453377.3840699999,1435435.5918399999,1528707.65325,1533808.00434,1525591.91365,1591562.2021900001,1746228.3288199999,1597228.22539,1771297.7940699998,1459433.6097800001,1412862.5118399998,1574763.4406099999,1789628,2556435.8200100004,2882015,3220179,3094635,2917396,3124911,2878335]
[null,"Total loans",10192327.25492,10256643.41144,10348630.07016,10728371.5184,10732068.15172,10773465.595719999,12146974.55789,12928787.017669998,12990370.37152,13039315.99274,13288671.542369997,13512891.971789999,13983905.464329999,14434897.821729999,14228230.93778,14089071.090329999,14006154.173250003,14198690.17271,13562314,13269017.524969999,13080143,12705605,12118953,12239171,12525099,12785249]
[null,"Current",9534597.7575100008,9591920.4507299997,9680998.5133299995,10055026.885840001,10061078.456010001,9963250.8413399998,11271599.350889999,11904708.031059999,11724304.623569999,11824809.67691,12172178.826049998,12544853.189819999,12965841.34193,13379070.92433,13213978.61603,13228543.40928,13204562.808780001,13220656.77722,12622778,12333980.04173,12106939,11672954,11168560,11330124,11719353,12004020]
[null,"Internal overdue loans",539298.66376999998,548278.34702999995,560695.16723999998,572042.85596000007,574898.53088999994,710550.55520000006,732963.59081999992,913273.48506999994,1187277.10348,1158977.2955800002,1067141.7935800001,905081.86082000006,951029.47898999997,979685.09629000002,933424.94489000004,776022.69583999994,696786.70074999996,887987.26471999998,845479,834355.87582000007,870892,934676,846455,802133,698528,659287]
[null,"Refinanced",118430.83364,116444.61368000001,106936.38959000001,101301.7766,96091.164819999991,99664.199180000011,142411.61618000001,110805.50154000001,78788.644469999999,55529.020250000001,49350.922740000002,62956.921150000002,67034.64340999999,76141.80111,80827.376860000004,84504.985209999999,104804.66372,90046.130769999989,94057,100681.60742,102312,97975,103938,106914,107218,121942]
[null,"Allowance for loan losses",-908750.98600000003,-909003.70377999998,-925705.14719000005,-937075.17723000003,-1051740.7487999999,-1460508.4475400001,-1807821.6389900001,-1821546.0164699999,-1862738.87796,-1662457.1630200001,-1487787.2643900001,-1145702.00627,-1146067.1571900002,-1168604.23676,-1083337.1886800001,-998261.14639999997,-1040486.71196,-1090403.83207,-1031937,-1002846.59589,-968082,-984286,-940310,-924703,-864812,-887976]
[null,"Net loans",9283576.2689200006,9347639.7076600008,9422924.9229699988,9791296.3411699999,9680327.4029200003,9312957.1481799986,10339152.9189,11107241.001199998,11127631.493559999,11376858.82972,11800884.277979996,12367189.965519998,12837838.307139998,13266293.584969999,13144893.7491,13090809.94393,12965667.461290002,13108286.340639999,12530377,12266170.929079998,12112061,11721319,11178643,11314468,11660287,11897273]
[null,"Property, plant and equipment, net",185619.61221000002,187951.00377000001,177728.40478000001,176459.79366,166018.11556999999,163286.94224999999,158792.76394,165559.06784999999,151052.19391,148899.34888000001,145752.9852,144236.69427000001,139875.18111,136398.97538999998,132814.85212999998,133756.00982000001,131163.97318999999,130977.00854000001,131899,139064.28511000003,135215,132122,132430,131261,127401,126975]
[null,"Other assets",978521.04811999854,840950.06237999978,902203.5001699999,1106183.3176400014,1018840.3739600008,996259.22471000208,1073138.9069600003,1080246.6185800035,1120806.831250001,1075525.69732,1035652.7537900019,952302.70907000103,854943.93590000318,823400.5983200022,689100.34868000075,691092.64843999734,753988.73436000128,724568.96168000204,709774,815262.82026999933,810313,890770,795856,750972,719368,715448]
[null,"Total assets",13372642.616319999,13206324.34901,13250020.937899999,13741657.354190001,13528974.460200001,13408292.339540001,14557348.313200001,15649493.101670001,15301457.549010001,15612618.47635,16085272.479969999,16162630.356729999,16978970.37252,17065588.22868,17607730.77076,17225972.744439997,16997238.273540001,17144057.673920002,16779872,16898386.085129999,17190351,16981875,16791920,16947322,17563875,17286872]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"LIABILITIES AND NET SHAREHOLDERS' EQUITY",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"Deposits and obligations",8426560.0631499998,8216878.1240400001,8279991.8659600001,8558303.0511700008,8366713.6748900004,8137844.3214600002,8289195.7264999999,8661124.1026399992,8371899.9647200005,8292913.2618900007,8620049.6226100009,8426058.1418900006,8782960.1915499996,8956908.8648400009,9185352.5486599989,9315188.3466400001,9577205.7442099992,9858344.2646000013,10036767,9999229.6446800008,10118296,10531506,10800163,11060598,11330151,10836660]
[null,"Due to banks and correspondents",1705071.54161,1823461.06473,1920244.36739,2124954.2690300001,2235744.3158499999,2403370.1641899999,2138329.3732400001,1362274.91982,1423122.17356,1898920.82054,2232496.5941599999,2413663.0269400002,2952091.6484699999,3014402.6807399997,3315936.48911,3074233.9525700002,2759825.8390900004,2696599.2141300002,2466913,2411642.0167700001,2428683,2107877,1958657,1985746,1763462,2309869]
[null,"Bonds and subordinated debt",367578.53534,263613.07422000001,175534.21169,132279.96794,135262.21037000002,132598.56426000001,134994.78644,132687.39423000001,290524.04164000001,188775.13634,186676.91515000002,188309.53330000001,256701.23897999999,259435.57888999998,452099.86744999996,552727.97407,576360.09352999995,651640.59927999997,701233,611166.21935000003,516761,572626,306113,309551,409454,398037]
[null,"Other liabilities",939018.42009999976,867815.48785999976,740736.76431000233,839841.93538999744,670370.81320999935,885695.49858999904,2307484.5350900004,3383479.6024300009,3096616.0378199993,3058752.483500001,2803335.7506200001,2771810.3792200014,2523135.6218500007,2247631.8829399999,1923119.13301,1502257.6655599996,1282571.2110200003,1059119.2190499995,644094,879725.4777999986,1494825,1097220,983614,923059,1577966,1207564]
[null,"Total liabilities",11438228.5602,11171767.750849999,11116507.209350001,11655379.22353,11408091.014319999,11559508.5485,12870004.42127,13539566.01912,13182162.217739999,13439361.702270001,13842558.882540001,13799841.081350001,14514888.700850001,14478379.007409999,14876508.03823,14444407.93884,14195962.88785,14265703.29706,13849007,13901763.3586,14558565,14309229,14048547,14278954,15081033,14752130]
[]
[null,"Net equity",1934414.0561300002,2034556.5981400001,2133513.72847,2086278.1306700001,2120883.4458900001,1848783.7910499999,1687343.8919600002,2109927.0825499999,2119295.3312999997,2173256.77409,2242713.5974499998,2362789.2753600003,2464081.6717300001,2587209.2212499999,2731222.7325399998,2781564.80559,2801275.3856899999,2878354.3768600002,2930865,2996622.7265300001,2631786,2672646,2743373,2668368,2482842,2534742]
[]
[null,"TOTAL LIABILITIES AND NET SHAREHOLDERS' EQUITY",13372642.61633,13206324.348989999,13250020.937820001,13741657.3542,13528974.460209999,13408292.33955,14557348.31323,15649493.101670001,15301457.549039999,15612618.476360001,16085272.47999,16162630.356710002,16978970.372579999,17065588.228659999,17607730.770769998,17225972.744429998,16997238.273539998,17144057.673919998,16779872,16898386.085129999,17190351,16981875,16791920,16947322,17563875,17286872]
[]
[]
[]
[]
[]
[null,"S/000","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2019,2020,"2021","2022",2023,2024]
[null,"Net interest income",467941.57248000009,473888.69426999992,478188.8208499999,478516.28160000016,485079.04673999996,265258.63421000011,413163.90706999996,386544.89586000011,403407.33963999996,458761.92875000002,493183.25939999998,505000.61523,512222.24398999999,537262.05466999998,550121.22455000004,539510.49025000003,518763,542880,560302,538522,546271,556858,562421,574720,579900,604031,null,1898535.3692000001,1550046.4838800002,1860353.1430200001,2139116.01346,2160467,2240270]
[null,"Provision for loan losses, net of recoveries ",-90492.296670000011,-105549.81652999997,-115457.72838,-96591.716600000029,-179839.48329000003,-406603.90372999996,-385891.73242000007,-117945.90719000006,-138718.10008999999,-124450.94747,-122711.25700999999,-40057.624650000034,-105337.00797000001,-105521.84050000001,-84931.909179999973,-194244.62660000002,-227369,-184516,-201899,-208880,-150725,-242774,-192435,-141899,-158212,-169741,null,-408091.55817999999,-1090281.0266300002,-425937.92922000005,-490035.38425,-822663,-727833]
[null,"Net interest income after provisions",377449.27581000008,368338.87773999997,362731.09246999992,381924.56500000012,305239.5634499999,-141345.26951999986,27272.174649999884,268598.98867000005,264689.23954999994,334310.98128000001,370472.00238999998,464942.99057999998,406885.23601999995,431740.21416999999,465189.31537000008,345265.86365000001,291394,358364,358403,329642,395546,314084,369986,432821,421688,434290,null,1490443.8110200001,459765.45724999998,1434415.2138,1649080.6292100002,1337804,1512437]
[null,"Non-financial income",45214.092629999992,43963,43853.012539999996,50043.730100000001,47350.497230000001,4214.55602,7020.07233,60427.527459999998,28141.855909999998,14987.354480000002,18476.644420000001,34246.342100000002,37656.59057,27855.254830000002,29960.890360000001,37339.157310000002,36703,39885,32441,56230,40687,26399,30861,32748,32815,37492,null,183708.34577000001,119012.65304,95852.196909999999,133587,165258,130695]
[null,"Total expenses",-280395.81559000001,-273787.20472999994,-268765.62390999997,-283887.84663999989,-294967.00713999994,-258434.9794500001,-257772.66265999991,-277168.95217000012,-268750.62601999997,-271464.77038,-269221.18973000004,-314635.3137900001,-288029.10668999999,-290292.61922999995,-291817.20798000001,-316253.24981000007,-302982,-306677,-314071,-324854,-311728,-301850,-320796,-312016,-327944,-335792,null,-1107470.5094499998,-1088343.60142,-1124071.89992,-1186391.9338999998,-1248582,-1246390]
[null,"Translation result",-202.98815999999999,-78.650590000000022,-591.12135999999987,3202.2210699999996,-6512,-2245,-1472,-937,197,1565,3730,-2578,-7037,1853,883,-1584,-366,-2279,-714,-454,-972,-85,-337,-466,-749,-79,null,2329.4609599999994,-11166,2914,-5885,-3813,-1860]
[null,"Income taxes",-40154.961470000002,-39293.729239999993,-39895.034200000002,-48939.913680000005,-17015.935679999999,120107.71849000001,66567.570759999988,-27941.658310000003,-10222.164429999999,-24093.38997,-46542.817250000007,-62113.026509999989,-46540.385409999995,-43173.893409999997,-57173.610340000007,-17813.644819999994,-1607,-22934,-15680,-6670,-30960,-2834,-15890,-36098,-31423,-33369,null,-168283.63859000002,141717.69525999998,-142971.39815999998,-164701.53397999998,-46892,-85782]
[null,"Net income",101909.60322000002,99142.32414000007,97332.325539999991,102342.75585,34095.11785999994,-277702.97445999994,-158384.84492000006,22978.905649999939,14055.305009999958,55305.175409999982,76914.639829999956,119862.99237999989,102935.33448999998,127981.95636000004,147042.38741000008,46954.126329999934,23142,66359,60379,53894,92573,35714,63824,116989,94387,102542,null,400727.00875000039,-379013.79587000003,266138.11262999999,425689.16133000038,203775,309100]
[]
[null,"Efficiency ratio",0.54700000000000004,0.52300000000000002,0.507519935987925,0.54,0.55600000000000005,0.93700000000000006,0.58699999999999997,0.55700000000000005,0.63900000000000001,0.5559712837837838,0.49677527203175353,0.55600000000000005,0.52986053880940809,0.504,0.49613665847300842,0.52300000000000002,0.54428409375079267,0.52669064498192919,0.51378831708310857,0.53219779677969181,0.53260463018956306,0.51010020951645807,0.54201342189655144,0.52230901320371759,0.52876848759248918,0.51992869347951276,null,0.53126519660885363,0.63118257594211591,0.55400000000000005,0.51300000000000001,0.52670069975695233,0.52670720943989169]
[null,"ROAE",0.21270317051898699,0.19983483432075899,0.18681527397194947,0.19400000000000001,6.5000000000000002E-2,-0.55900000000000005,-0.35832381433733917,4.8000000000000001E-2,2.7E-2,0.10307202357112093,0.13933882161582686,0.20822221296648458,0.17060311100640788,0.20253314383508325,0.22097528691553373,6.8106056590951369E-2,3.3161616668219041E-2,9.3469485418853943E-2,8.3150592188037664E-2,7.2732332477087464E-2,0.13157963467118328,5.3862882962775277E-2,9.427588788000929E-2,0.17294101842641768,0.14658614189675823,0.16349223052369427,null,0.20498046803072262,-0.18064488305097054,0.12127231665357724,0.1641958088811501,7.0532492193054297E-2,0.10912638696160329]
[null,"ROAE incl. Goowdill",0.197934799551367,0.18644340553786384,0.17489176931114628,0.182,6.0999999999999999E-2,-0.52200000000000002,-0.33177149053670602,4.4999999999999998E-2,2.5000000000000001E-2,9.781323094901917E-2,0.13222405958711572,0.19615173495267901,0.16327803232607091,0.19351930933238096,0.2115175382156495,6.478426709545422E-2,3.1559972341775988E-2,8.9064114142374237E-2,7.9282739377526112E-2,6.9420295273950133E-2,0.12460155420706052,5.1131045674552483E-2,8.9587984752847877E-2,0.16433500311756657,0.13894192340360387,0.15475147095165243,null,0.19131550909702122,-0.16930793154885385,0.113916872121907,0.155678490447127,6.7234790056872829E-2,0.10392715886313574]
[null,"L/D ratio",1.2095478081847226,1.2482409081171946,1.2498357773398798,1.2535629381496758,1.2827101020474563,1.3238721668967912,1.4653984486163043,1.4927377629572554,1.5516633531531292,1.5723444320419997,1.5416003531481317,1.6037026738055478,1.592163138549094,1.61159369147917,1.5490130468487766,1.5124837594305802,1.4624468292035566,1.440271286091682,1.351263210553757,1.3270039789544847,1.2927219769346037,1.2064376168042823,1.1221083422537235,1.1065559927229975,1.1054662025245736,1.1798145369514224]
[null,"IOL ratio",5.2912220171273623E-2,5.3455923642471981E-2,5.4180617476775945E-2,5.3320567336701714E-2,5.3568289239559336E-2,6.5953759158267719E-2,6.0341246894594629E-2,7.0638760142139642E-2,9.1396709218004926E-2,8.8883289294108131E-2,8.0304625648808706E-2,6.6979138345032399E-2,6.8008860716047892E-2,6.7869208939962303E-2,6.5603724663442969E-2,5.5079762949923741E-2,4.9748609941819372E-2,6.2540083199133317E-2,6.2340320390753379E-2,6.2880004058317535E-2,6.6581262624800408E-2,7.3564068771223415E-2,6.9845555139953094E-2,6.5538180649653471E-2,5.5770257783990369E-2,5.1566222918302179E-2]
[null,"NPL ratio",6.4531826830079783E-2,6.4809015390803665E-2,6.4514003525461591E-2,6.2762986106993129E-2,6.252193763813009E-2,7.5204654173850624E-2,7.2065286942698412E-2,7.9209208505822956E-2,9.746186688608309E-2,9.3141873124802724E-2,8.4018384588718395E-2,7.1638164797802925E-2,7.280256041467581E-2,7.3144050649986594E-2,7.1284499540759605E-2,6.1077673292501238E-2,5.7231368051119905E-2,6.888194499586929E-2,6.9275493842717403E-2,7.0467725397183406E-2,7.4403167339113521E-2,8.1275232466301292E-2,7.8422038603499819E-2,7.4273576208715442E-2,6.4330509483398093E-2,6.1103933134192379E-2]
[null,"Coverage of IOLs",1.6850607039285452,1.657923769384718,1.6509954094071246,1.6381205839157,1.8294371828917373,2.0554602861845739,2.4664548984861678,1.9945241444630173,1.5689167023436819,1.4344173689684212,1.3941795489040283,1.2658545661626663,1.2050805811057841,1.1928365973774877,1.1606044970307352,1.2863813800180672,1.4932643100679903,1.2279498540036224,1.2205353415046383,1.2019410720927783,1.1115978411317604,1.0530772160620365,1.1108800822252807,1.1528050834462613,1.2380491547940813,1.3468732130316539]
[null,"Coverage of NPLs",1.3816485190013064,1.3674925608242572,1.3865509167741656,1.3916724540705381,1.5674469451980373,1.8026189225073095,2.0651963004362313,1.7787163297821864,1.4712813145574206,1.3688336909832106,1.332554384495942,1.1835290358289652,1.125731800162296,1.106814232179268,1.0681140831019253,1.1600569840843937,1.2980263486844748,1.1148942736497272,1.0983474821614074,1.0725202078691374,0.9947370581177829,0.95316423457683186,0.98939070468742929,1.017222431843458,1.0733059798000859,1.1366398328787077]
[null,"Branches (1)",324,324,324,323,325,324,323,323,317,319,318,315,310,304,297,297,296,292,292,292,290,285,283,283,283,284]
[null,"Employees",10699,11545,11355,11553,11656,11388,11133,10781,10483,10057,9874,9878,9810,9593,9596,9725,9904,10094,9940,9842,9485,10107,10101,10101,9679,9756]
[]
[null,"(1) Includes Banco de la Nacion branches."]

{"sheet":"12.5.7. Prima AFP ","index":30,"n_rows":68,"n_cols":105,"rows_kept":68,"cut":false,"hidden":false,"merged":[[36,1,36,22],[4,2,4,17],[34,86,34,87],[53,86,53,87],[5,75,5,84],[34,75,34,84],[53,75,53,84]]}
[null,"Back to index"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Statement of Financial Position"]
[null,"(IFRS, under regulation as of December 2022)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(In S/ thousands, IFRS)"]
[null,"S/ 000","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","2019","2020","2021","2022",2023,2024,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"As of"]
[null,"Income from commissions",99757.561589999998,105866.59760999998,97098.650870000012,100566.62597000002,103232.95315,72296.066669999986,89242.011529999989,87314.05508000002,97600.172299999991,97331.346209999989,94620.461300000024,89170.293459999986,93191.853839999996,98749.245819999982,93922.113440000016,87868.147899999982,89531.743900000001,88459.165180000011,85494.526459999965,87477.303560000029,94613.156690000003,99138.042069999996,403289.43604000006,352085.08642999997,378722.27327000001,373731.36099999998,350962.73910000001,193751.19876,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S/000","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Administrative and sale expenses",-37291.887569999999,-38358.275009999998,-33616.808700000001,-39638.94206999999,-35807.070820000001,-30128.542160000001,-36957.655129999999,-33669.943049999994,-38877.596210000003,-38412.046159999998,-42006.279790000001,-45100.507580000005,-43799.768930000006,-45786.018649999998,-40561.055139999997,-34261.799279999999,-38986.081330000001,-38279.240270000002,-37755.572520000002,-41048.730080000001,-41497.629950000002,-44957.421650000004,-148905.91334999999,-136563.21116000001,-164396.42973999999,-164408.64199999999,-156069.62419999999,-86455.051600000006,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cash and due from banks ",149731,41279,79046,109574,107025,55243,144402,123278,132293,5582]
[null,"Depreciation and amortization",-4472.5737899999995,-4725.1694299999999,-8189.76656,-5801.4763199999998,-6099.9211299999997,-6126.0646100000004,-5982.1657900000009,-5794.8807699999998,-5923.2867200000001,-5541.2894800000004,-5845.0062500000004,-6144.0022200000003,-6214.5504300000002,-6246.5470099999993,-6448.5545400000001,-5603.3690200000001,-6193.5061599999999,-6261.6598799999992,-6429.0794800000021,-6388.4099800000013,-6606.0904599999994,-6560.2673099999993,-23188.986100000002,-24003.032300000003,-23453.584670000004,-24513.021000000001,-25272.655500000004,-13166.357769999999,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Non-interest bearing",8177,5480,4691,6176,5975,8333,4555,3779,2244,3876]
[null,"Operating income",57993.100229999996,62783.153169999983,55292.075610000014,55126.207580000031,61325.961199999991,36041.459899999987,46302.190609999991,47849.23126000003,52799.289369999984,53378.010569999991,46769.175260000025,37925.783659999979,43177.534479999988,46716.680159999982,46912.503760000021,48002.979599999984,44352.156410000003,43918.26503000001,41309.874459999963,40040.163500000024,46509.436280000002,47620.353109999996,231194.53659000003,191518.84297,190872.25885999997,184809.69799999997,169620.45939999999,94129.789389999991,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest bearing",141554,35799,74355,103398,101050,46910,139847,119499,130049,1706]
[null,"Other income and expenses, net (profitability of lace)*",17711.968758435367,8107.5628799999977,4500.4073300000027,8991.4324999999953,-44933.030270000003,24020.130420000009,4854.7411799999991,36424.730199999998,-1554.0048700000002,6577.3715999999995,-2371.4753900000001,8749.5020000000022,-4132.7082199999986,-17121.223149999998,-1469.3116999999979,4402.0661799999953,8742.0862300000008,6684.5739599999997,4314.6299099999997,13653.119450000002,5056.9186599999985,3901,39311.371468435362,20366.571530000001,11401.393340000002,-18852.836569999999,33394.409549999997,8957.9186599999994,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fair value through profit or loss investments ",310474,316130,318904,333577,366671,374810,317682,306759,302482,361646]
[null,"Income tax",-18828.879738435367,-20494.822260000004,-17096.991269999995,-17415.040889999993,-20155.170429999998,-8759.2076499999985,-12917.797570000004,-21189.920279999998,-16227.393390000001,-16133.630580000001,-13591.792899999997,-10400.242310000005,-13193.984420000001,-16032.46825,-14762.157880000002,-12302.493559999999,-13295.184659999999,-13498.959380000002,-13031.029009999998,-12847.96574,-14297.358369999998,-14265.510270000001,-73835.734158435356,-63022.095929999996,-56353.059179999997,-55759.444430000003,-52673.138789999997,-28562.868640000001,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fair value through other comprehensive income investments",2373,1136,978,687,1703,1035,1171,1218,1968,1405]
[null,"Net income before translation results",56876.189249999996,50395.893789999987,42695.491670000018,46702.599190000037,-3762.2395000000106,51302.382669999999,38239.134219999985,63084.041180000022,35017.891109999982,43821.751589999985,30805.906970000029,36275.043349999978,25850.841839999986,13562.988759999984,30681.034180000021,40102.552219999983,39799.057980000005,37103.879610000011,32593.475359999968,40845.317210000023,37268.996570000003,37255.842839999998,196670.17390000005,148863.31857,145920.59301999997,110197.41699999997,150341.73016000001,74524.83941,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property, plant and equipment, net ",14889,13396,12945,9700,9255,8704,7638,7347,6233,5751]
[null,"Translations results ",123.59135000000001,-28.614339999999999,-301.06734999999998,125.23483999999999,-316.81478999999996,-70.254590000000022,-201.92202,-133.76211999999998,-422.22811999999999,479.30450000000002,891.18045000000006,-812.06346000000008,-1416.3808999999999,529.49860999999987,49.293670000000041,151.21962000000002,-41.302309999999999,309.79206999999997,-595.55417999999997,-465.85428999999999,-256.48055999999997,-351.05559000000005,-80.855499999999978,-722.75351999999998,136.19336999999996,-686.36899999999991,-792.91870999999992,-607.53615000000002,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other Assets",313119,261712,272962,287191,297719,227174,260067,219369,214822,212969]
[null,"Net income ",56999.780599999998,50367.279449999987,42394.42432000002,46827.834030000035,-4079.0542900000105,51232.128080000002,38037.212199999987,62950.279060000023,34595.662989999983,44301.056089999984,31697.087420000029,35462.979889999981,24434.460939999986,14092.487369999984,30730.32785000002,40253.771839999987,39757.755670000006,37413.671680000014,31997.921179999968,40379.46292000002,37012.516010000007,36904.787249999994,196589.31840000005,148140.56505,146056.78638999996,109511.04799999998,149548.81145000001,73917.303260000001,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Assets",790586,633653,684835,740729,782373,666966,730960,657971,657798,587353]
[null,"ROAE (1)",0.37590000000000001,0.33310000000000001,0.26047374040805027,0.27343232006969498,-2.6200000000000001E-2,0.35770000000000002,0.24640000000000001,0.37677732985701212,0.21290000000000001,0.28488554231252422,0.21429263946295243,0.25476599678008294,0.19815132064864491,0.13461996021954714,0.27873484139694427,0.33783775304173302,0.35862562232646389,0.36599586890568708,0.2885067877660219,0.33661828897616214,0.31411867821388606,0.32019044322788631,0.29533660400182321,0.21191421629185664,0.22915238474680943,0.20443074062949038,0.30003966935034559,0.3018337757018737,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Due to banks and correspondents",2,10,22,7,2,6,6,22,29,11]
[null,"(*) The net profitability of lace and mutual funds is being presented net of taxes, for which the retroactive change was made (it was presented gross before)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lease payable",10677,9197,8823,6254,5958,5172,4203,3723,2745,2401]
[null,"(1) Net shareholders' equity includes unrealized gains from Prima's investment portfolio.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other liabilities",389802,196754,216412,234396,333846,182283,212464,178674,265049,153573]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Liabilities",400481,205961,225257,240657,339806,187461,216673,182419,267823,155985]
[null,"(IFRS, under regulation as of December 2022)"]
[null,"Funds under management","Mar 19","% share","Jun 19","% share","Sep 19","% share","Dec 19","% share","Mar 20","% share","Jun 20","% share","Sep 20","% share","Dec 20","% share","Mar 21","% share","Jun 21","% share","Sep 21","% share","Dec 21","% share","Mar 22","% share","Jun 22","% share","Jun 22","% share","Sep 22","% share","Dec 22","% share","Dec 22","% share","2023-03-01","% share","Jun 23","% share","Sep 23","% share","Dec 23","% share","Mar 24","% share","Jun 24","% share",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Capital stock",40505,40505,40505,40505,40505,40505,40505,40505,40505,40505]
[null,"Fund 0",629.21851435629992,1.2401818681503135E-2,690.64321963869997,1.3352485404457482E-2,712.7011438211,1.3558268216997384E-2,750.67863621909999,1.3847377267893542E-2,775.88540205679999,1.6556097463653156E-2,931.74146987899996,2.0110448786600361E-2,1029.5412058039101,2.2257715690032227E-2,1084.1230862279999,2.1774102775564543E-2,1108.730658036,2.3003622213384155E-2,1174.7692925450001,2.4934794694800626E-2,1205.3408171602,3.1130817747744267E-2,1277.4508548413999,3.1836992814959018E-2,1239.8523947936001,3.1380867079713513E-2,1325.4426068303001,3.6028559221861309E-2,1325.4426068303001,3.6028559221861309E-2,1321.2928245755002,4.2961245296599018E-2,1349.5398648081,4.237229253556897E-2,1349.5398648081,4.237229253556897E-2,1403.4770515109999,4.2622974598808178E-2,1439.7921974229998,4.248057412929683E-2,1482.5440268085999,4.2780001961016598E-2,1555.1930917105999,4.2201890792606077E-2,1625.244697933,4.2642567858131745E-2,1696.1520364119999,4.6314164590908626E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Reserves",20243,20243,20243,20243,20243,20243,20243,20243,20243,20243]
[null,"Fund 1",5586.4380343761004,0.11010799904491321,5773.5465652979001,0.11162231678090605,6090.6406608062998,0.11586699475438278,6418.0658506749996,0.11839071325128454,5842.3576380772001,0.12466614556365058,7277.6708629590003,0.15707922412670677,7280.6530661452798,0.15740089378694352,7817.0217375789998,0.15700120851136548,7494.8742028819997,0.15550147680171589,7155.5143245479994,0.15187771909817332,6393.7859041048996,0.16513485718316243,6286.0093057963995,0.15666170823319231,5959.7106126413,0.15084125122812561,5522.1310581524003,0.15010414244590228,5522.1310581524003,0.15010414244590228,5077.8370514871003,0.16510360087301834,5315.9789942824,0.1669089020135788,5315.9789942824,0.1669089020135788,5532.5927230759999,0.16802238329963251,5847.6647875825993,0.17253334053122379,5899.1596323204003,0.17022500247919972,6384.5982767213,0.17325316108013727,6540.4976502192003,0.17160715259070555,6486.7885991399999,0.17712456690057252,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other reserves",1,176,64,178,297,330,425,459,445,681]
[null,"Fund 2",37431.6517522055,0.73777320181833239,38467.218030750097,0.74370232371842293,39302.916856542601,0.74768995822618467,40656.984872849796,0.74997819432425095,35335.697519034402,0.75400471580012163,33352.612072816999,0.71987350426383823,33162.373114887603,0.71693941751615642,35731.603833130997,0.71765247330479376,34376.677415831,0.71323733541016132,33756.786054757998,0.71649687744920099,26698.145831887199,0.68954365459334954,27836.004077100697,0.69373679499384855,27386.747522925103,0.69316306309643794,25567.2467729175,0.69497619870608107,25567.2467729175,0.69497619870608107,20516.750393845901,0.66709296377378657,21383.8085905191,0.67139994656692092,21383.8085905191,0.67139994656692092,22255.820370370999,0.67589937811998901,23007.203030053301,0.67881962103648019,23644.2209550509,0.68227303913610804,25292.256097922302,0.68633344337268121,26240.324591417499,0.68848390856590402,24895.569411991997,0.67978428500457644]
[null,"Fund 3",7088.6789373496995,0.13971698045525111,6792.5371068175,0.13132287409621349,6459.5360564488001,0.12288477880243515,6385.1599441547996,0.11778371515657088,4910.0866525679003,0.10477304117257451,4769.1877799140002,0.10293682282285464,4782.9073501765097,0.10340197300686792,5156.8154597810008,0.10357221540827623,5217.8079088439999,0.10825756557473862,5026.5844377599997,0.10669060875782496,4421.2997287319004,0.11419067047574363,4725.269347060801,0.11776450395800023,4923.5089926039,0.12461481859572296,4373.8448725364005,0.11889109962615527,4373.8448725364005,0.11889109962615527,3839.5788759673001,0.12484219005659597,3800.2559467866004,0.11931885888393133,3800.2559467866004,0.11931885888393133,3735.8223087439997,0.11345526398157028,3598.2952223338002,0.10616646430299916,3629.1468876767999,0.10472195642367561,3619.2182589975,9.8211504754575393E-2,3707.1326064813998,9.7266370985258713E-2,3544.2391997770001,9.6776983503942315E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Retained earnings",289597,289597,289597,289597,344509,344510,344510,281419,304310,304309]
[null,"Total S/ Millions",50735.987238287606,0.99999999999999978,51723.944922504197,0.99999999999999989,52565.794717618803,1,54210.889303898701,1,46864.027211736306,0.99999999999999978,46331.212185568998,1,46255.474737013297,1,49789.564116718997,1,48198.090185592999,1,47113.654109611001,0.99999999999999989,38718.572281884204,0.99999999999999978,40124.733584799294,1.0000000000000002,39509.819522963902,1,36788.665310436605,0.99999999999999989,36788.665310436605,1,30755.459145875804,0.99999999999999978,31849.5833963962,1,31849.5833963962,1,32927.712453701999,1,33892.9552373927,1,34655.071501856699,1,36851.265725351703,1,38113.199546051095,1,36622.749247321,0.99999999999999978,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net Income for the Period",39759,77171,109169,149549,37013,73917,108604,132926,24472,65630]
[null,"Source: SBS.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Liabilities and Equity",790586,633653,684835,740729,782373,666966,730960,657971,657798,587353]
[null,"(IFRS, under regulation as of December 2022)"]
[null,"Main indicators and market share","Prima \n1Q19","System       1Q19","% share \n1Q19","Prima \n2Q19","System       2Q19","% share \n2Q19","Prima \n3Q19","System       3Q19","% share \n3Q19","Prima \n4Q19","System       4Q19","% share \n4Q19","Prima \n1Q20","System       1Q20","% share \n1Q20","Prima \n2Q20","System       2Q20","% share \n2Q20","Prima \n3Q20","System       3Q20","% share \n3Q20","Prima \n4Q20","System       4Q20","% share \n4Q20","Prima \n1Q21","System       1Q21","% share \n1Q21","Prima \n2Q21","System       2Q21","% share \n2Q21","Prima \n3Q21","System       3Q21","% share \n3Q21","Prima \n4Q21","System       4Q21","% share \n4Q21","Prima \n1Q22","System       1Q22","% share \n1Q22","Prima \n2Q22","System       2Q22","% share \n2Q22","Prima \n3Q22","System       \n3Q22","% share \n3Q22","Prima \n4Q22","System       \n4Q22","% share \n4Q22","Prima \n4Q22","System       \n4Q22","% share \n4Q22","Prima \n1Q23","System       \n1Q23","Prima \n2Q23","System       \n2Q23","% share \n2Q23","Prima \n3Q23","System       \n3Q23","% share \n3Q23","Prima \n4Q23","System       \n4Q23","% share \n4Q23","Prima \n1Q24","System \n1Q24","% share\n1Q24","Prima \n2Q24","System \n2Q24","% share\n2Q24"]
[null,"Affiliates ",2260041,7131902,0.31689176323510893,2334751,7224167,0.32318618880211381,2343978,7331986,0.31969209979397123,2355005,7426667,0.31710119761664285,2365347,7521916,0.31446070389512459,2364850,7576582,0.31212623317480098,2362074,7672933,0.30784499226045631,2360161,7780721,0.30333448532597429,2357334,7878727,0.29920239652928704,2354819,7946062,0.29635044377957281,2351087,8120364,0.28952975507009293,2349596,8251977,0.28473128318219987,2349153,8387918,0.28006389666661025,2347956,8529346,0.27527972250158456,2346509,8684144,0.27020613660943438,2344701,8816304,0.26595056159587965,2344701,8816304,0.26595056159587965,2343434,8905304,2343434,9063654,0.26315036522054719,2342210,9183319,0.25505048882653431,2342422,9285783,0.25225896405289677,2342539,9409604,0.24895192188746731,2342823,9556177,0.24516320700213065]
[null,"New affiliations (1)",117519,117519,1,68300,96917,0.70472672492957888,0,112487,0,0,111398,"-",0,100553,"-",0,55288,0,0,100149,0,0,113328,0,0,102645,0,0,71738,0,0,139360,0,0,138417,0,0,93252,0,null,144713,"-",null,158592,"-",0,136632,"-",0,136632,"-",0,91429,0,118899,0,0,123295,0,0,107451,0,0,128591,0,0,151765,0,null,null,null,null,"Statement in Income"]
[null,"Funds under management (S/ Millions) ",50735.987238287606,162263.0458267513,0.31267739971095182,51723.944922504103,165754.60805410909,0.31205132412137399,52565.794717618803,169231.04069888999,0.31061556142734037,54210.889303898795,174823.17190546001,0.31008983942480284,46864.027211736298,154043.79368033601,0.30422535106468612,46331.212185568998,152384.408198966,0.30404168466550097,46255.474737013297,152297.19856379268,0.30371848709770116,49789.564116718997,164874.56526928701,0.30198450582961961,48198.090185592999,160128.07075375499,0.30099713284944302,47113.654109610994,158147.60371269603,0.29790937708548237,38718.572281884204,129169.37011683499,0.29975041487670695,40124.733584799302,133310.243312757,0.30098762546448377,39509.819522963895,132214.26811671301,0.29883173794893564,36788.665310436598,122770.573422834,0.29965377113400615,30755.459145875804,103105.69160953601,0.29829060516220135,31849.5833963962,105862.75923638199,0.30085729510676135,31849.5833963962,105862.75923638199,0.30085729510676135,32382.300152719698,107712.000289199,32382.300152719698,112827.620839019,0.30063781255362021,34655.071501856597,115564.720347949,0.29987587386111514,36851.265725351703,122806.226500921,0.30007652523282552,38113.199546051197,126616.779119211,0.301012234011791,36622.749247319996,122496.41620665499,0.29896996484808469,null,null,null,null,"(In S/ thousands, IFRS)"]
[null,"Collections  (S/ Millions)",1524.5050439199999,4023,0.37894731392493164,1337.4923091199998,3715.5725517000001,0.35996936959501757,967,2898,0.33367839889579021,660.90580442999999,1982.3280070799999,0.33339881294595869,1001.9949022799999,3088.5063933700003,0.32442701249735179,348.58428043999999,1071.9471030799998,0.32518794951581209,848.26101031000007,2756.9574588099999,0.30768012310068049,635.15,2009.14,0.31613028459938081,958.94592180999985,3380.7521257000003,0.28364869299947437,643.52254299000003,2171.8540503499999,0.29630100737491766,1015.5896765100001,3591.27036503,0.28279399022677487,1073.01433516,3646.9500561899999,0.29422238271093498,1030,3536,0.29128959276018102,1053.9771077400001,3665.9010041300003,0.28750833875562665,981.73273550999988,3641.4333068199994,0.26960063601091461,1004.7177248,3620.1149438699999,0.2775375203213658,1004.7177248,3620.1149438699999,0.2775375203213658,663.9738102,2365.1081518399997,663.9738102,3708.0536703499997,0.28073718729667552,997.21742365999989,3689.96929421,0.2702508731508288,1030.0963930600001,3783.0867315500009,0.27228992253052325,693.53071748000002,2592.95177079,0.26746765030214986,1104.9374112999999,4129.4074184500005,0.26757771741368769]
[null,"Voluntary contributions (S/ Millions)",1025.8245099999999,2209.8229299999998,0.46421118003332512,999.51921000000004,2031.9115200000001,0.49191079442278074,1026.4059999999999,2112.2370000000001,0.48593315996263675,1063.98316,2213.0942599999998,0.48076721323202931,976.81478000000004,2056.8632400000001,0.47490506952713102,1012.6695,2130.2577299999998,0.47537416986629127,1116.0503900000001,2419.0661500000001,0.46135587900314345,1110.5767599999999,2388.3555000000001,0.46499642117766798,1245.1299400000003,2956.4316600000002,0.42115972334026491,1144.3586699999998,2666.0453600000001,0.4292345085981582,1034.70947,2595.5318200000002,0.39865027353045512,1039.4340500000001,2686.8145199999999,0.38686483278347034,980,2600,0.37692307692307692,820.30592000000001,2179.7172999999998,0.37633592209411748,810.49900000000002,2213.5035600000001,0.36616114590753129,781.10135000000014,2109.7154300000002,0.37024014655853377,781.10135000000014,2109.7154300000002,0.37024014655853377,799.92782000000011,2087.1260600000005,799.92782000000011,1983.7831200000001,0.38326761154043559,813.80039999999997,2009.22075,0.40503284668944417,853.73463000000004,2008.3268599999999,0.41996001780471193,911.57566000000008,2086.2582400000001,0.43694286858754361,975.60927000000004,2124.9779600000002,0.45911500653870307]
[null,"RAM (S/ Millions) (2)",2794.2190000000001,7936.0010000000002,0.35209408365749956,2933.415,7772.1570000000002,0.3774261122105485,2846.8993055555602,7310.0319922417802,0.38071349366081786,2891.8191892361101,7417.7398432890504,0.38985179452638608,1418.796875,4481.9314744782696,0.31655925198302115,1058.359375,3234.5536167738201,0.32720415253330054,1243.53125,3954.68887407273,0.31444477419012518,1277.203125,4082.7169641680398,0.31283165994835588,1318.796875,4354.2092342937804,0.30287861791600351,1379.0851532812501,4478.5615164548835,0.3079303808185489,1315.76623875,4321.6753602913441,0.30445744510094302,1322.9665064062499,4335.8089563467101,0.30512564546223969,1376,4571,0.30102822139575586,1468.0742562500002,4732.9524013236432,0.31018149598111966,1409.16175734375,4537.5078021178351,0.31055853098170721,1339.82363296875,4451.6761565624083,0.30097059755653116,1339.82363296875,4451.6761565624083,0.30097059755653116,1381.5650000000001,4590.2454710390994,1381.5650000000001,4818.4190773754299,0.30097845719071176,1383.0107585937501,4570.7433249167098,0.30257895932472906,1399.3689265625001,4581.0628032866216,0.30244043916919749,1459.2509,4786.9640333159341,0.30483849259029749,1538.969425,5012.6441837754301,0.3070174878921641,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S/000","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2023,2024]
[null,"Source: SBS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Financial income",2398,1465,1271,1768,1647,816,1429,1786,1481,557,null,6902,5678]
[null,"(1) As of June 2019, another AFP has the exclusivity of affiliations.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Financial expenses",-737,-691,-507,-1277,-467,-779,-1055,-1782,-453,-518,null,-3212,-4083]
[null,"(2) Prima AFP estimate: Average of aggregated income for flow during the last 4 months, excluding special collections and voluntary contribution fees. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest income, net",1661,774,764,491,1180,37,374,4,1028,39,null,3690,1595]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fee income ",89496,88408,85484,87458,94527,99103,90748,88102,94072,97233,null,350846,372480]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net gain (loss) on securities ",9669,5656,2774,14673,6548,3516,2579,-2115,-7380,8618,null,32772,10528]
[null,"(IFRS, under regulation as of December 2022)",null,null,null,null,null,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net gain (loss) from exchange differences",-41,310,-596,-466,-257,-351,110,-32,250,202,null,-793,-530]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other income",237,816,3710,760,175,1210,124,5628,206,463,null,5523,7137]
[null,"Total assets",982263.90966,868192.49676000001,937572.89942000003,982591.28139000013,973862.10236999998,951560.41061000014,1015828.0855800001,1107706,1016649.9884699999,867604.77676000004,796553.35829999985,839772.25737000001,872172.71876000008,694432.11113999994,734765.80729999999,734966.85537360876,790585.84301999991,633654.04365999997,684835.17995999998,740728.51502000005,782372.22773999989,690377.21883999999,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Salaries and employee benefits",-19960,-19485,-21931,-24498,-22962,-22740,-22384,-29371,-23431,-24878,null,-85874,-97457]
[null,"Total liabilities",402446.19528999995,238247.36889000001,265446.55056,284643.04622000002,426509.78214999993,353018.95030999999,379393.58747000003,407536,416932.53215000004,223284.20356999998,257554.24326000002,265185.40476,460278.70382000005,268858.20351000002,278344.59561999998,238178.16389,400482.94922999997,205962.13902000003,225256.68086000002,240656.772,339805.82181999995,210872.48832999999,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Administrative expenses",-19027,-18794,-15825,-16550,-18535,-22218,-17272,-20545,-21577,-18206,null,-70196,-78570]
[null,"Net shareholders' equity",579817.71439999994,629945.12789,672126.34903000004,697948.23522000003,547352.32030999998,598541.46033000003,636434.49814000004,700170,599717.45635999995,644320.57323999982,538999.11517999996,574586.85274999996,411894.01893999998,425573.90762999991,456421.21179999999,496788.69148360874,390102.8900399835,427691.51385567547,459578.31928114989,500071.56885334826,442566.19393000001,479504.73055999994,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Depreciation and amortization",-6194,-6262,-6429,-6388,-6606,-6560,-6603,-6612,-6870,-6970,null,-25273,-26381]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other expenses",-1419,-664,-2252,-53,-329,-604,-245,-71,-165,-594,null,-4388,-1249]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Profit before income tax ",54422,50759,45699,55427,53741,51393,47431,34988,36133,55907,null,206307,187553]
[null,"(IFRS, under regulation as of December 2022)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income tax",-14663,-13347,-13701,-15047,-16728,-14489,-12744,-10666,-11661,-14749,null,-56758,-54627]
[null,"Nominal profitability over the last 12 months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net profit",39759,37412,31998,40380,37013,36904,34687,24322,24472,41158,null,149549,132926]
[null,null,"Mar 19 / Mar 18","Jun 19 / Jun 18","Set 19 / Set 18","Dic 19 / Dic 18","Mar 20 / Mar 19","Jun 20 / Jun 19","Sep 20 / Sep 19","Dic 20 / Dic 19","Mar 21 / Mar 20","Jun 21 / Jun 20","Sep 21 / Sep 20","Dec 21 / Dec 20","Mar 22 / Mar 21","Jun 22 / Jun 21","Sep 22 / Sep 21","Dec 22 / Dec 21","Dec 22 / Dec 21","Mar 23 / Mar 22","Jun 23 / Jun 22","Sep 23 / Sep 22","Dec 23 / Dec 22","Mar 24 / Mar 23","Jun 24 / Jun 23"]
[null,"Fund 0",3.7749999999999999E-2,0.04,4.2273999999999999E-2,4.3610647147912518E-2,4.3099999999999999E-2,4.1000000000000002E-2,3.4966999999999998E-2,2.9899999999999999E-2,2.1899999999999999E-2,1.4675000000000001E-2,9.9880000000000004E-3,7.3439999999999998E-3,1.2187999999999999E-2,2.2499999999999999E-2,3.7268958669128827E-2,5.2027000000000004E-2,5.2027000000000004E-2,6.4089000000000007E-2,7.2332000000000007E-2,7.7946000000000001E-2,8.3930000000000005E-2,8.3391000000000007E-2,7.8600000000000003E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Selected Ratios"]
[null,"Fund 1",2.5484E-2,0.1019,0.120313,0.15272012027074378,3.32E-2,4.6100000000000002E-2,4.9528999999999997E-2,9.9099999999999994E-2,0.1547,9.6404000000000004E-2,4.2411999999999998E-2,-2.2131000000000001E-2,-3.9641999999999997E-2,-8.9068999999999995E-2,-8.4305833014402753E-2,-5.2906000000000002E-2,-5.2906000000000002E-2,1.0016000000000001E-2,0.124822,0.14283299999999999,0.163691,0.122532,6.7799999999999999E-2]
[null,"Fund 2",1.2045999999999999E-2,5.5899999999999998E-2,7.5098999999999999E-2,0.13077285471027222,-1.77E-2,1.6E-2,3.2288999999999998E-2,8.8900000000000007E-2,0.224,0.272928,0.11680099999999999,6.3500000000000001E-2,1.0678E-2,-7.0139000000000007E-2,-8.0736835372827609E-2,-7.0195999999999995E-2,-7.0195999999999995E-2,-2.1893000000000003E-2,7.8211000000000003E-2,0.101618,0.103341,8.7423000000000001E-2,8.0100000000000005E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"Fund 3",-6.4089999999999998E-3,-1.72E-2,-7.6880000000000004E-3,5.7455436816905348E-2,-0.1181,-8.4400000000000003E-2,-3.9239000000000003E-2,3.0099999999999998E-2,0.28599999999999998,0.17154800000000001,0.23128099999999999,0.18860299999999999,0.116051,-2.7057000000000001E-2,-7.0855795636342367E-2,-8.1812999999999997E-2,-8.1812999999999997E-2,-0.111613,1.207E-3,3.0165000000000001E-2,4.9921E-2,0.10116799999999999,0.1263,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2023,2024]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ROE",0.35861823241360569,0.36598813642016292,0.28850744418271779,0.33662272703589852,0.31410539984023578,0.32020059171084253,0.27922945646573932,0.19657338213588271,0.22619282818444716,0.40088489218268131,null,0.30003982501070864,0.27249432158290487]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net Interest Margin",1.529351510303672E-2,7.6684343365541084E-3,8.1787550414691781E-3,4.7217213607404739E-3,1.0415759458574536E-2,3.3177161559326594E-4,3.3943838376504329E-3,3.6110167607599835E-5,9.5408688873008067E-3,3.9036303762499125E-4,null,8.6606808609514772E-3,3.6872644889844419E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Efficiency Ratio",0.49585688415738355,0.49770929245072187,0.515860506929121,0.54224249282717785,0.50396010560281612,0.52150058711584402,0.50705352347338073,0.64182392079387784,0.54409019402202408,0.51351656356119135,null,0.51263770590513447,0.54185707210643963]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Operating Expenses / Total Average Assets",0.23692407731758733,0.25018817053305625,0.2680947660541726,0.26620219520287774,0.2526636465104064,0.28436706965524949,0.26472932043613179,0.32559140806850734,0.31542314798418264,0.32159312404680235,null,0.24577317519756806,0.28942324259901525]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Key indicators and Market Share"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Prima"," System"," Share %"," Prima"," System"," Share %"," Prima"," System"," Share %"," Prima"," System"," Share %"," Prima"," System"," Share %"," Prima"," System"," Share %"," Prima"," System"," Share %"," Prima"," System"," Share %"," Prima"," System"," Share %"," Prima"," System"," Share %"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1Q23","1Q23","1Q23","2Q23","2Q23","2Q23","3Q23","3Q23","3Q23","4Q23","4Q23","4Q23","1Q24","1Q24","1Q24","2Q24","2Q24","2Q24","3Q24","3Q24","3Q24","4Q24","4Q24","4Q24","1Q25","1Q25","1Q25","2Q25","2Q25","2Q25"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AUMs (S/ Millions)",36622.749247319996,122496.41620665499,0.29896996484808469,36622.749247319996,122496.41620665499,0.29896996484808469,36622.749247319996,122496.41620665499,0.29896996484808469,36622.749247319996,122496.41620665499,0.29896996484808469,36622.749247319996,122496.41620665499,0.29896996484808469,36622.749247319996,122496.41620665499,0.29896996484808469,32142.253270975998,106728.771854547,0.3011582791824905,32142.253270975998,106728.771854547,0.3011582791824905,32142.253270975998,106728.771854547,0.3011582791824905,32943.378954189,113513.082244445,0.29021658387574223]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Affiliates (S/ Millions)",2342823,9556177,0.24516320700213065,2342823,9556177,0.24516320700213065,2342823,9556177,0.24516320700213065,2342823,9556177,0.24516320700213065,2342823,9556177,0.24516320700213065,2342823,9556177,0.24516320700213065,2341483,9677410,0.24195347722169464,2341483,9677410,0.24195347722169464,2341483,9677410,0.24195347722169464,2339871,10049438,0.23283600535671747]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Collections (S/ Millions)",1104.9374112999999,4129.4074184500005,0.26757771741368769,1104.9374112999999,4129.4074184500005,0.26757771741368769,1104.9374112999999,4129.4074184500005,0.26757771741368769,1104.9374112999999,4129.4074184500005,0.26757771741368769,1104.9374112999999,4129.4074184500005,0.26757771741368769,1104.9374112999999,4129.4074184500005,0.26757771741368769,694.44506027,2659.6637583499996,0.26110257662826497,694.44506027,2659.6637583499996,0.26110257662826497,694.44506027,2659.6637583499996,0.26110257662826497,1121,4348,0.25781968721251147]

{"sheet":"12.5.8. Grupo Pacifico","index":31,"n_rows":80,"n_cols":45,"rows_kept":80,"cut":false,"hidden":false,"merged":[[60,2,60,17],[60,19,60,22],[56,1,56,21],[57,1,57,21],[49,1,50,20],[13,27,13,37],[13,41,13,43],[3,2,3,17],[11,2,11,17],[11,19,11,22],[4,26,4,39]]}
[null,"Back to index"]
[]
[null,"(IFRS 4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(IFRS 17)"]
[null,"GRUPO PACIFICO *","As of "]
[null,"S/000","Mar 19","Jun 19","Sep 19","Dec 19","Mar 20","Jun 20","Sep 20","Dec 20","Mar 21","Jun 21","Sep 21","Dec 21","Mar 22","Jun 22","Sep 22","Dec 22",null,null,null,null,null,null,"GRUPO PACIFICO *",null,"As of "]
[null,"Total Assets",12695204,13154757,13154757,13838009,13729726,14509571,15115751,16021597,15743014,15775105,15949391.471811762,16487225,15630799,15229244.364114482,15302437.073670199,15899565,null,null,null,null,null,null,"S/000",null,"Mar 22","Jun 22","Sep 22","Dic 22","Mar 23","Jun 23","Sep 23","Dec 23","Mar 24","Jun 24","Sep 24","Dic 24","Mar 25","Jun 25"]
[null,"Total Investments (1)",9264180,9642535,9642535,10758564,10586838,11089545,11625405,12348185,12210160,12102502,12129220.172304412,12491114,11951579,11573076.547791565,11776123.288053181,12126609,null,null,null,null,null,null,"Total Assets",null,15600881.629084557,15190772.325959696,14134049.845955739,15895360.510160364,16302041,15402511.139529275,15796121.224492012,16549171.227402793,16811859,17027499,17683826,17890138,20203139,20049143]
[null,"Total Liabilities",8710591,8946136,8946136,9953455,9980047,10635795,11098905,11694653,11826778,12173277,12531003.382423464,12543226,11962492,11707216.532149313,11715963.595531177,11997576,null,null,null,null,null,null,"Total Investments (1)",null,10525651.66605,10221404.55202,11776123.288135739,10736289.248440001,11191968,13020927.963287093,13429862.396253493,12704842.445376016,12485676.871674327,12823140,13550847,13898637,14117211,14228488]
[null,"Net equity",2663129,"3,097,078",3097078,2801556,"2,724,095",2821972,2829498,2971337,"2,374,371","2,125,685",1895642.8391804001,"2,280,033","2,205,194",2101532.0005969871,2104226.8910147692,"2,381,740",null,null,null,null,null,null,"Total Liabilities",null,13433886.163419999,13081833.437510001,11829292.321019998,13486188.553838801,13857430,12693382.056872116,12822134.777726458,13443687.921379875,13920330,14044909,14442027,14504765,16280582,16007803]
[null,"*Financial statements without consolidation adjustments.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net equity",null,2149889.9124899996,2093388.47169,2304757.5241757394,2390599.3801418259,2431696,2709129.0830871593,2973986.4486755533,3086571.07241775,2878536.2657410367,2967599,3226717,3369625,3177756,3341104]
[null,"(1) Excluding investments in real estate.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"*Financial statements without consolidation adjustments."]
[null,"GRUPO PACIFICO *","Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,"(1) Excluding investments in real estate."]
[null,"S/000","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"2019","2020","2021","2022"]
[null,"Net earned premiums",588942,592546,615145,630804,640707,560754,602361,657373,"651,51","643,97",677203.50617772201,714026,692774,697921.31705655844,753089.06232389435,737505,null,2427437,2461195,2686710,2881289,null,"GRUPO PACIFICO *",null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,"Net claims",386521,-379718,"-392,52",-395718,-383525,-335152,-517735,-495532,-627791,"-691,45",-517950.37798708328,-509279,-478506,-492257.25614231743,-478039.55293103273,-481087,null,-1554477,-1731944,-2346469,-1929890,null,"S/000",null,"1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,2022,2023,2024,2025]
[null,"Net fees",134507,-138357,-147821,-152229,-156165,"-118,75",-123463,-173855,"-142,7","-144,59",-149569.78000765044,-165647,"-149,16",-152233.36829221321,-160757.96770379069,-158535,null,-572.91399999999999,-572234,-602506,-620686,null,"Insurance Service Result",null,209092,216436,280438,146137,296390,275200,324995,255887,341794,286987,308072,293055,279931,342243,null,852103,1152472,1229908,279931]
[null,"Net underwriting expenses",37011,-33761,-30293,-26644,-50159,-40105,-26991,-11234,-30218,-31136,-35798.209527271902,-18792,-30608,-26895.980672994905,-31316.943124556179,-31181,null,-127.71,-128488,-115944,-120003,null,"Reinsurance Result",null,-102591,-126093,-119203,-113012,-114009,-96697,-118588,-96996,-180053,-95236,-151920,-102995,-94861,-107333,null,-460899,-426290,-530204,-94861]
[null,"Underwriting result",30902,"40,71",44512,56213,50858,66746,-65828,-23247,-149198,-223206,-26114.861344283607,20309,34499,26534.711949032891,82974.598564514745,66702,null,172.33600000000001,28529,"-378,21","210,71",null,"Insurance underwriting result",null,106501,90343,161235,33125,182381,178503,206407,158891,161741,191751,156152,190060,185070,234910,null,391204,726182,699704,185070]
[null,null," ",null," "," ",null,null," "," ",null,null,null,null,null,null,null,null,null," "," ",null,null,null,"Sale of medical services ",null,"-","-","-","-","-","-","-","-","-","-","-","-",78267,474732,null,"-","-","-",78267]
[null,"Net financial income",143356,150249,126226,158259,135099,137648,149354,137684,149457,159184,182019.44206780283,163616,148315,182955.41472229836,187361.9270016384,193128,null,578.09,559784,654276,711761,null,"Cost of sales of medical services ",null,"-","-","-","-","-","-","-","-","-","-","-","-",-35393,-351512,null,"-","-","-",-35393]
[null,null," ",null," "," ",null,null," "," "," "," ",null," "," ",null,null," ",null," "," "," "," ",null,"Medical services result",null,"-","-","-","-","-","-","-","-","-","-","-","-",42874,123220,null,"-","-","-",42874]
[null,"Total expenses","107,45",-107614,-104421,-118004,-105254,-112832,"-105,64","-119,9",-108836,-103844,-111326.25029524096,-131029,"-121,72",-118352.08442930979,-123397.23237377463,-167812,null,-437.49,-443626,-455035,-531281,null,"Interest income",null,170571,190279,197607,198145,189963,209170,195214,183933,219545,197175,209425,208159,238213,234866,null,756602,778280,834304,238213]
[null,null," ",null," "," ",null,null," "," "," "," ",null," "," ",null,null," ",null," "," "," "," ",null,"Interest Expenses",null,-108711,-111525,-125706,-109852,-122178,-121295,-123388,-126386,-129114,-131448,-135554,-138943,-145698,-156502,null,-455794,-493247,-535059,-145698]
[null,"Other income",7098,8772,14208,13776,8339,11435,9972,16424,3241,10177,16412.996496284897,"17,65",12339,6109.3871231145986,6493.7417384809996,19891,null,43.854999999999997,"46,17",47481,44833,null,"Net Interest Income",null,61860,78754,71901,88293,67785,87875,71826,57547,90431,65727,73871,69216,92515,78364,null,300808,285033,299245,92515]
[null,"Traslations results",-501,-478,1621,-925,"1,59",151,"-1,5",-2276,566,-92,546.9574662867999,-1559,-5416,-287.40461047660028,1603.4551820050001,-373,null,-283,-2036,-537,-4473,null,"Fee Income and Gain in FX",null,-2863,-2338,-2556,-2628,-3184,-3463,-2561,-2743,-3262,-2262,-4676,-4065,-4151,-6397,null,-10385,-11951,-14265,-4151]
[null,"EPS business deduction",8918,12758,14702,17263,17186,16806,9417,16625,23377,"8,8",12993.539572862999,8785,14653,17941.396155475799,17392.8015388231,23417,null,53.640999999999998,60034,53956,73404,null,"Other Income No Core:",null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,0,0,0]
[null,"Medical Assistance insurance deduction",2736,-4746,-5348,-9806,"-6,43",-17944,-10566,-17079,-13906,-8879,-10425.633119999999,-13965,-7691,-10328.911420000002,-9999.0248899999933,-12936,null,-22.635999999999999," ",-47176,-40955,null,"Net gain (loss) from exchange differences",null,3360,-1700,-206,10768,-1343,-4334,20672,893,-182,-1817,191,1151,-351,488,null,12222,15888,-657,-351]
[null,"Income tax",1517,-1359,-1491,-1654,"-1,55",-1125,86,391,-1399,-2029,-332.76077854489995,-1486,-2684,-3509.8484207232,-3027.9029400858008,-3096,null,-6.0209999999999999,-2197,-5247,-12318,null,"Net loss on securities and associates",null,-10387,7747,5448,17574,30090,21537,27460,39232,23222,24856,29761,-15450,-34396,-15390,null,20382,118319,62389,-34396]
[null,null," ",null," "," ",null,null," "," "," "," ",null," "," ",null,null," ",null," "," "," "," ",null,"Other Income not operational",null,11313,18029,14248,-11517,12501,23676,25779,32649,29751,44208,26028,52455,26264,34343,null,32073,94605,152442,26264]
[null,"Income before minority interest","78,07",98293,90008,115121,99838,100884,-14705,8621,-96698,-159887,63773.430065168046,62321,72294,101062.66106941205,159402.36382160179,118922,null,381.49200000000002,194639,-130491,"451,68",null,"Other Income",null,1423,21738,16934,14197,38064,37421,71350,70031,49529,64985,51305,34089,-12634,13043,null,54292,216866,199908,-12634]
[null,"Non-controlling interest",2592,-2454,-2525,-2594,-2523,-1848,1496,-921,"-1,73",-659,-1244.8580435685999,-760,-1348,-1763.0438731163999,-1430.8422238188004,-1535,null,-10.164999999999999,-3796,-4394,-6077,null,"Operating expenses",null,-58769,-61945,-59968,-82114,-64268,-72707,-79355,-85485,-76174,-75397,-64307,-84895,-105415,-161499,null,-262796,-301815,-300773,-105415]
[null,null," ",null," "," ",null,null," "," "," "," ",null," "," ",null,null," ",null," "," "," "," ",null,"Other expenses",null,-984,-3203,-7182,6582,654,-21293,-19594,-35317,-4979,-29351,-24098,-25602,-3837,-25822,null,-4787,-75550,-84030,-3837]
[null,"Net income",75478,95839,87482,112527,97315,99036,-13209,7701,-98428,-160546,62528.572021599444,"61,56",70946,99299.617196295643,157971.52159778299,117386,null,371.327,190843,-134885,445603,null,"Total Expenses",null,-59753,-65148,-67150,-75532,-63614,-94000,-98949,-120802,-81153,-104748,-88404,-110498,-109252,-187321,null,-267583,-377365,-384803,-109252]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income tax",null,-2684,-3510,-3027.9029499999992,-3096,-3200,-3116,-4307.4810499054993,-29667,-3795,-23596,-3615,-13274,-16052,-37568,null,-12317.90295,-40290.481049905502,-44280,-16052]
[null,"Ratios"," "," "," "," "," "," "," ",null," "," ",null,null," ",null,null,null,null," ",null,null,null,null,"Net income",null,107347,122177,179892,56987,221416,206683,246327,136000,216753,194119,189308,169594,182521,224649,null,466403,810426,769774,182521]
[null,"Ceded","12.2%","18.5%","14.4%","16.5%","13.0%","17.8%","12.4%","20.6%","18.2%","15.5%",0.16809239193888451,"21.4%","21.5%",0.14213717446130478,0.15360782767388198,"21.5%",null,"15.5%","16.2%","18.2%","18.4%",null,"*Financial statements without consolidation adjustments."]
[null,"Loss ratio (1)","65.6%","64.1%","63.8%","62.7%","59.9%","59.8%","86.0%","75.4%","96.4%","-107.4%",-0.76483711803340082,"-71.3%","69.1%",-0.70531912998213475,-0.63477160517494513,"-65.2%",null,"-64.0%","70.4%","-87.3%","-67.0%"]
[null,"Fees + underwriting expenses, net / net earned premiums","29.1%","29.0%","29.0%","28.4%","32.2%","28.3%","25.0%","28.2%","26.5%",null,-0.27372567897821143,"-25.8%","25.9%",-0.2566612375742805,-0.25504939646266939,"-25.7%",null,"-28.9%","28.5%","-26.7%","-25.7%"]
[null,"Operating expenses / net earned premiums ","18.2%","18.2%","17.0%","18.7%","16.4%","20.1%","17.5%","18.2%","16.7%","-16.1%",-0.16439113099633751,"-18.4%","17.6%",-0.16957797610832787,-0.16385476638446117,"-22.8%",null,"-18.0%","18.0%","-16.9%","-18.4%"]
[null,"ROAE (2)(3) ","11.8%","13.7%","11.0%","14.8%","14.5%","14.6%","-2.1%","1.2%","-14.5%","-28.4%",0.12580952262000614,"11.8%","12.9%",0.18631716189865957,0.30083238510870042,"21.0%",null,"14.1%","6.7%","-4.9%","19.2%"]
[null,"Return on written premiums","8.4%","10.2%","10.1%","11.7%","10.6%","12.3%","-1.5%","0.7%","-9.8%","-17.0%",5.6337070231899489E-2,"4.8%","6.0%",9.6929814212438722E-2,0.14299689668020604,"9.7%",null,"10.1%","5.2%","-10.5%","20.1%"]
[null,"Combined ratio of Life (4)","87.3%","115.1%","114.6%","115.4%","87.6%","122.1%","143.4%","135.6%","133.4%","143.3%",0.95117536813778003,"96.7%","89.6%",0.89843250365737193,0.79562701594602347,"84.6%",null,"115.4%","135.6%","96.7%","84.6%"]
[null,"Combined ratio of P&C (5)","104.4%","97.5%","97.9%","94.1%","94.4%","79.8%","84.8%","81.4%","85.5%","88.9%",0.9413334603012824,"87.0%","94.4%",0.89925040168943804,0.91150144627249607,"93.1%",null,"94.1%","81.4%","87.0%","93.1%"]
[null,"Equity requirement ratio (7)","-","1.45x","1.17x","1.38","1.27x","1.35x","1.33x",1.34,1.25,1.22,1.1949377423033611,"1.18","1.24",1.18,1.1499999999999999,"1.15",null,"1.38","1.34","1.18","1.15"]
[]
[null,"*Financial statements without consolidation adjustments."]
[null,"(1) Net claims / Net earned premiums."]
[null,"(2) Includes unrealized gains."]
[null,"(3) Annualized and average are determined as the average of period beginning and period ending."]
[null,"(4) (Net claims / Net earned premiums) + Reserves / Net earned premiums) + [(Acquisition cost + total expenses) / Net earned premiums] - (Net Financial Income without real state sales, securities sales, impairment loss and fluctuation / Net earned premiums)."]
[]
[null,"(5) (Net claims / Net earned premiums) + [(Acquisition cost + total expenses) / Net earned premiums]."]
[null,"(6) Excluding investments in real estate."]
[null,"(7) Support to cover credit risk, market risk and operational risk."]
[]
[]
[null,"Corporate health insurance and Medical services"]
[null,"(in thousands S/)"]
[]
[]
[null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[null,null,"1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22",null,"2019","2020","2021","2022"]
[null,"Results"]
[null,"Net earned premiums",258455.38162,264725.38259999995,275950.64024000004,279049.65770999982,278256.44465000002,266614.49787000002,285898.76141000004,288741.6442499999,277944.46193999995,288351.53161000006,301597.9855200001,303539.33929999988,314362,315592.4656099999,331322.75724000006,320372,null,1078181.0621699998,1119511.34818,1171433.31837,1281649.22285]
[null,"Net claims ",-233596.98989,-225704.22248000003,-233948.83992000011,-228399.56420999975,-213978.05145999999,-173710.76535,-243095.79744999995,-223321.90077000007,-215638.35821999999,-273350.19080999994,-259819.97405999998,-271099.72580000013,-276082,-266259.02585999994,-276094.12841999996,-258466,null,-921649.61649999989,-854106.51503000001,-1019908.24889,-1076901.1542799999]
[null,"Net fees",-11878.69029,-11697.321740000001,-12364.60816,-12335.205529999999,-12117.963170000001,-11454.685659999997,-12185.044130000002,-11583.38147,-12309.43777,-12231.049639999997,-12836.228519999993,-13613.418780000015,-13671,-13394.743120000001,-14323.403309999994,-14511,null,-48275.825720000001,-47341.074430000001,-50990.134710000006,-55900.146429999993]
[null,"Net underwriting expenses",-2911.8497000000007,-2492.0798800000002,-2485.725550000001,-1693.0842499999972,-2845.4729799999996,-2929.3259500000013,-2646.3235599999989,-1997.2191699999985,-2877.0109400000001,-2412.4522699999998,-2566.1431099999991,-2281.8586500000019,-3263,-2504.6713999999997,-2652.1667799999996,-3176,null,-9582.7393799999991,-10418.341659999998,-10137.464970000001,-11595.838179999999]
[null,"Underwriting result ",10067.851740000004,24831.758499999916,27151.46660999993,36621.803720000098,49314.95704000003,78519.720910000033,27971.596270000067,51839.142839999811,47119.655009999959,357.8388900001155,26375.639830000146,16544.336069999714,21346,33434.025229999963,38253.058730000106,44219,null,98672.88056999995,207645.41705999995,90397.469799999933,137252.08396000008]
[]
[null,"Net financial income",1504.7815900000001,1070.1576999999993,1612.0005599999995,1573.1531300000006,532.10600000000022,1990.2680699999987,1657.9330900000004,1670.9204900000013,1187.7282100000004,1903.6860799999984,1774.5870600000017,1350.9342099999994,1883,1758.9388999999996,2748.7464599999976,2639,null,5760.0929799999994,5851.2276500000007,6216.9355599999999,9029.6853599999977]
[null,"Total expenses",-17535.497009999999,-18203.252779999995,-18352.491649999996,-20714.54196000001,-19659.054430000004,-19766.621149999984,-18340.132260000013,-28515.106329999988,-20708.533959999997,-19179.398680000002,-22725.320550000011,-25499.110329999989,-18870,-20251.136840000014,-20826.205279999995,-24389,null,-74805.7834,-86280.914169999989,-88112.363519999999,-84336.342120000016]
[null,"Other income",1011.8292400000003,620.87925999999993,251.38315000000034,905.18631999999957,243.72463999999962,161.83920999999924,513.20800000000031,2280.0328300000006,-417.06000000000051,-12.679209999998875,-7.8587500000002706,3939.5961999999995,1226,40.223459999998568,-2854.108070000002,2767,null,2789.2779700000001,3198.8046799999997,3501.9982399999999,1179.1153899999965]
[null,"Traslations results",-16.701280000000224,-196.91170000000511,1030.351250000007,-715.92433000000165,919.0790800000002,1385.7822099999996,775.86293000000114,270.83784000000014,1384.9884299999999,3005.2927600000016,5087.0042599999942,-2818.0315499999851,-4397,1784.0230299999976,2045.9423100000001,-2843,null,100.81394,3351.5620600000011,6659.2539000000106,-3410.0346600000021]
[null,"Income tax",1615,-2670.2374399999999,-3716.3586400000004,-5803.5683599999984,-9825.2590199999995,-19698.617290000002,-3655.0303399999975,-9023.0802300000068,-8645.3670099999999,3502.82521,-8175.33133,-118.30645000000004,-424000,-6113.7171300000009,-12191.103839999996,-3977,null,-10575.164439999999,-42201.986880000004,-13436.17958,-446281.82097]
[]
[null,"Net income before Medical services",-3352.7357199999951,5452.3935399999173,7976.3512799999389,11866.108520000093,21525.553310000025,42592.371960000077,8923.4376900000425,18522.747439999803,19921.410679999964,-10422.43494999989,2328.7205200001299,-6600.5818500002606,763000,10652.356649999947,7176.3303100001067,18416,null,21942.117619999954,91564.110399999947,5227.114399999944,799244.68696000008]
[]
[null,"Net income of Medical services",21108.301600000003,19982.999759999995,21341.145600000003,22576.68005000001,12764.578669999999,-9168.6080199999997,9936.3903100000007,14647.161050000001,26749.65209,27938.972830000002,23575.136750000005,24088.048879999988,28460,25075.720889999997,27598.493239999996,28336,null,85009.127010000011,28179.522010000001,102351.81054999999,109470.21412999999]
[]
[null,"Net income",17755.565880000009,25435.393299999909,29317.496879999948,34442.788570000106,34290.13198000002,33423.763940000077,18859.828000000052,33169.908489999798,46671.06276999996,17516.53788000012,25903.857270000139,17487.467029999723,29222,35728.07753999994,34774.823550000103,46752,null,106951.24462999997,119743.63240999995,107578.92494999994,146476.90109000006]

{"sheet":"12.5.9. IM & A","index":32,"n_rows":23,"n_cols":36,"rows_kept":23,"cut":false,"hidden":false,"merged":[[21,1,21,17],[22,1,22,17],[20,1,20,17]]}
[null,"Back to index"]
[]
[null,"(IFRS, under regulation as of December 2022)"]
[null,"Investment Management & Advisory*",null,null,null,null,null,null,null,null,null,null,"Quarter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year"]
[]
[null,"S/000","1Q19","2Q19","3Q19","4Q19","1Q20","2Q20","3Q20","4Q20","1Q21","2Q21","3Q21","4Q21","1Q22","2Q22","3Q22","4Q22","1Q23","2Q23","3Q23","4Q23","1Q24","2Q24","3Q24","4Q24","1Q25","2Q25",null,"2019","2020","2021","2022",2023,2024,2025]
[null,"Net interest income",-9091,-6206,-9271,-14922,13735,17534,17786,19349,23087,23055,14290,14681,19340,18930,19025,22012,22042,21206,20100,18757,6460,5278,9934,-15640,10441,13978,null,-39490,68404,75113,79307,82105,6032,10441]
[null,"Non-financial income",151689,139041,141907,162573,133318,282425,170987,302575,178065,213732,217358,184296,179997,146646,177191,190667,192785,207535,182989,226078,233390,255814,241628,214144,264926,232110,null,595210,889305,793451,694501,809387,944976,264926]
[null,"Fee income",94650,90644,96586,113292,112658,93602,143492,156753,147594,168937,149029,155193,137586,138468,133374,124761,122861,133448,127085,147019,145099,168823,157828,145476,150272,147138,null,395172,506505,620753,534189,530413,617226,150272]
[null,"Net gain on foreign exchange transactions",10125,9041,11469,2746,-5406,8209,8846,-21862,12288,-2498,-3033,9485,8160,12338,2503,9758,16084,12836,11709,14844,12638,19083,19448,15356,15069,21497,null,33381,-10213,18927,32759,55473,66525,15069]
[null,"Net gain on sales of securities",50485,47452,32455,28974,-25193,178536,58045,101559,-44052,44184,34790,-6334,10696,-15406,12745,42349,51902,64116,28120,64928,54569,45641,72105,15289,41192,64298,null,159366,312947,28588,50384,209066,187604,41192]
[null,"Derivative Result",-15470,-13806,123,11086,35957,-26746,-33610,13027,56265,21640,42607,19062,4997,31345,35975,-11908,-28858,-21679,21771,-16731,22028,20551,-17139,53081,3864,-8789,null,-18067,-11372,148677,60409,-45497,78521,3864]
[null,"Result from exposure to the exchange rate",1688,-1075,389,4947,170,15601,5306,5671,-1001,-24660,-10599,-12397,10557,-28225,-15651,19483,22997,8513,-7650,9470,-12973,-4378,6061,-21323,12599,4870,null,5949,26748,-60445,-13836,33330,-32613,12599]
[null,"Other income",10211,6785,885,1528,15132,13223,-11092,47427,6971,6129,4564,19287,8001,8126,8245,6224,7799,10301,1954,6548,12029,6094,3325,6265,41930,3096,null,19409,64690,36951,30596,26602,27713,41930]
[null,"Operating expenses (1)",-122277,-118246,-114119,-139549,-144873,-149884,-208324,-225503,-156685,-162087,-166716,-189766,-162258,-160877,-159294,-163684,-163109,-167982,-175514,-192097,-180091,-172693,-187915,-145999,-202074,-183696,null,-494191,-728584,-675254,-646113,-698702,-686698,-202074]
[null,"Operating income ",20321,14589,18517,8102,2180,150075,-19551,96421,44467,74700,64932,9211,37079,4699,36922,48995,51718,60759,27575,52738,59759,88399,63647,52505,73293,62392,null,61529,229125,193310,127695,192790,264310,73293]
[null,"Income taxes",-4750,-3394,-5559,-3396,-2301,-7242,-14397,-12595,-7137,-9314,-9284,347,-1548,273,-7929,-12803,-7611,-8840,-4937,-10006,-10943,-23942,-11053,-22722,-11098,-11686,null,-17099,-36535,-25388,-22007,-31394,-68660,-11098]
[null,"Non-controlling interest ",152,372,-52,75,32,112,219,453,629,943,1537,923,757,459,763,-2829,-175,-1681,-3281,-6818,2576,-2426,86,156,152,167,null,547,816,4032,-850,-11955,392,152]
[null,"Net income",15419,10823,13010,4631,-153,142721,-34167,83373,36701,64443,54111,8635,34774,4513,28230,39021,44282,53600,25919,49550,46240,66883,52508,29627,62043,50539,null,43883,191774,163890,106538,173351,195258,62043]
[]
[]
[null,"*Includes ASB and Credicorp Capital. Does not include Wealth Management at BCP."]
[null,"(1) Includes: Salaries and employees benefits + Administrative expenses + Assigned expenses + Depreciation and amortization + Tax and contributions + Other expenses. "]