Below are the financial statements of Banco de Credito del Peru, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in millions of PEN | 2024 | 2023 |
|---|---|---|
| Financial incomes and expenses | — | — |
| Financial income | 14,450.78a | 13,529.94a |
| Financial expenses | -3,518.07a | -3,655.27a |
| Gross financial margin | 10,932.71a | 9,874.67a |
| Provision for credit losses on loan portfolio | -3,002.98a | -2,851.42a |
| Recovery of written-off loans | 279.69a | 213.58a |
| Provision for credit losses on loan portfolio, net of recoveries | -2,723.3a | -2,637.83a |
| Gross financial margin | 8,209.41a | 7,236.84a |
| Non-financial income | — | — |
| Commissions for banking services, net | 3,335.25a | 2,988.77a |
| Net result from derivatives instruments | 73.33a | 89.71a |
| Share in the results of investments in subsidiaries and associates | 302.03a | 244.86a |
| Net result on securities | -45.05a | -69.83a |
| Net gain on foreign exchange transactions | 1,157.58a | 988.26a |
| Other non-financial income | 267.09a | 324.96a |
| Operating expenses | — | — |
| Salaries and employee benefits | -2,615.49a | -2,255.25a |
| General and administrative expenses | -2,802.7a | -2,616.98a |
| Depreciation and amortization | -418.96a | -377.22a |
| Provision for goods received in payment or awarded | -15.84a | -20.54a |
| Taxes and contributions | -256.57a | -152.54a |
| Other operating expenses | -247.53a | -249.3a |
| Net gain from foreign exchange differences | 2.86a | 11.55a |
| Net result before income tax | 6,945.41a | 6,184.35a |
| Income tax | -1,728.71a | -1,519.84a |
| Net result after income tax | 5,216.69a | 4,664.51a |
| Financial income and expenses | — | — |
| Financial income | 17,446.99a | 16,526.93a |
| Financial expenses | -4,266.83a | -4,455.3a |
| Gross financial margin | 13,180.16a | 12,071.63a |
| Provision for credit losses on loan portfolio | -3,851.53a | -3,774.9a |
| Recovery of written-off loans | 402.38a | 313.41a |
| Provision for credit losses on loan portfolio, net of recoveries | -3,449.15a | -3,461.5a |
| Gross financial margin | 9,731.01a | 8,610.14a |
| Fees for banking services, net | 3,423.15a | 3,096.71a |
| Net result from derivatives instruments | 81.7a | 101.86a |
| Net result on securities | -30.01a | -80.52a |
| Net gain on foreign exchange transactions | 1,166.57a | 997.65a |
| Other non-financial income | 284.38a | 355.97a |
| Salaries and employee benefits | -3,445.64a | -3,071.11a |
| General and administrative expenses | -3,141.81a | -2,944.34a |
| Depreciation and amortization | -485.84a | -435.82a |
| Provision for goods received in payment and awarded | -15.85a | -20.52a |
| Taxes and contributions | -266.38a | -162.19a |
| Other operating expenses | -251.73a | -288.24a |
| Net loss from foreign exchange differences | -9.03a | -6.82a |
| Net result before income tax | 7,040.52a | 6,193.82a |
| Income tax | -1,814.21a | -1,527.75a |
| Net earnings | 5,226.31a | 4,666.07a |
| Attributable to | — | — |
| Equity shareholders of the Banco de Crédito del Perú | 5,210.95a | 4,653.04a |
| Non-controlling interest | 15.36a | 13.03a |
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