| Estados Financieros Comparados |
Actualizado al 25 de noviembre de 2021 |
|
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT
|
Bancos Y Financieras/BANKS
|
|
CIFRAS EXPRESADAS EN MILES DE SOLES
|
|
Empresa/Cuenta
|
INTERBANK
|
Mibanco
|
Mitsui Auto Finance Perú
|
Scotiabank Perú
|
Serv. Fin. Total Edpyme
|
|
CIIU
|
6519
|
6519
|
6591
|
6519
|
6591
|
|
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION
|
30/09/2021
|
31/12/2020
|
30/09/2021
|
31/12/2020
|
30/09/2021
|
31/12/2020
|
30/09/2021
|
31/12/2020
|
30/09/2021
|
31/12/2020
|
|
DISPONIBLE / FUNDS AVAILABLE
|
17,426,886
|
17,698,659
|
1,577,391
|
1,832,043
|
52,299
|
38,620
|
11,983,028
|
16,915,396
|
9,448
|
3,957
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
18,105
|
0
|
28,968
|
0
|
0
|
80,002
|
90,526
|
0
|
0
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
78,953
|
190,331
|
0
|
0
|
0
|
0
|
1,781,706
|
2,535,318
|
0
|
0
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
6,490,523
|
6,068,687
|
1,230,904
|
1,134,588
|
0
|
0
|
4,661,519
|
5,941,331
|
0
|
0
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
2,752,972
|
2,692,166
|
290,108
|
296,571
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
39,913,252
|
39,003,339
|
11,771,261
|
11,533,382
|
949,737
|
844,591
|
53,917,786
|
47,489,801
|
339,209
|
266,951
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
556,858
|
237,730
|
78,584
|
10,494
|
0
|
0
|
850,397
|
189,557
|
0
|
0
|
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
427,287
|
126,894
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
556,341
|
209,976
|
38,871
|
61,017
|
10,027
|
8,061
|
1,223,247
|
1,020,535
|
6,789
|
4,727
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
13,592
|
17,009
|
389
|
530
|
0
|
0
|
44,813
|
55,069
|
1,406
|
3,076
|
|
PARTICIPACIONES / PROFIT SHARING
|
107,591
|
88,432
|
276
|
238
|
0
|
0
|
1,470,468
|
1,518,206
|
20,981
|
20,827
|
|
Subsidiarias / Subsidiaries
|
17,395
|
17,975
|
276
|
238
|
0
|
0
|
1,360,513
|
1,427,798
|
20,981
|
20,827
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
90,196
|
70,457
|
0
|
0
|
0
|
0
|
109,955
|
90,408
|
0
|
0
|
|
Otras / Other
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
365,232
|
381,142
|
126,610
|
145,966
|
1,282
|
1,523
|
286,535
|
295,553
|
15,572
|
15,724
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
448,482
|
444,563
|
106,976
|
96,447
|
2,740
|
1,052
|
92,888
|
94,049
|
2,496
|
1,966
|
|
PLUSVALIA / GOODWILL
|
0
|
0
|
139,180
|
139,180
|
0
|
0
|
287,074
|
287,074
|
0
|
0
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
199,564
|
135,865
|
174,922
|
148,591
|
0
|
4,482
|
325,842
|
108,346
|
4,281
|
3,890
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
333,044
|
358,910
|
208,194
|
161,377
|
11,548
|
0
|
347,222
|
441,117
|
1,773
|
1,792
|
|
ACTIVOS NO CORRIENTES MANTENIDOS PARA LA VENTA / NON-CURRENT ASSETS HELD FOR SALE
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
OTROS ACTIVOS / OTHER ASSETS (NET)
|
222,989
|
152,243
|
37,731
|
35,650
|
39,448
|
34,680
|
201,993
|
247,517
|
22,216
|
15,092
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
69,893,566
|
67,824,051
|
15,781,397
|
15,625,042
|
1,067,081
|
933,009
|
77,554,520
|
77,229,395
|
424,171
|
338,002
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
45,466,644
|
43,290,599
|
8,410,140
|
8,508,814
|
768
|
227
|
45,402,457
|
45,257,106
|
0
|
312
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
100,003
|
28,971
|
15,000
|
0
|
0
|
0
|
0
|
108,670
|
0
|
0
|
|
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG.
|
1,118,413
|
1,305,607
|
229,139
|
159,305
|
0
|
0
|
478,579
|
1,012,790
|
0
|
0
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
15,127,598
|
15,858,001
|
2,404,009
|
1,829,698
|
753,855
|
676,128
|
14,460,989
|
12,659,214
|
308,008
|
237,974
|
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
619,466
|
269,632
|
65,204
|
11,787
|
0
|
0
|
676,655
|
155,564
|
0
|
0
|
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
0
|
0
|
0
|
0
|
0
|
0
|
2,024
|
26,077
|
0
|
0
|
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
796,133
|
536,681
|
2,416,131
|
2,702,961
|
29,406
|
23,235
|
5,376,480
|
7,416,678
|
7,523
|
8,494
|
|
PROVISIONES / PROVISIONS
|
154,124
|
146,082
|
71,823
|
76,700
|
0
|
0
|
378,311
|
297,874
|
961
|
679
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
7,204
|
0
|
0
|
0
|
6,974
|
715
|
0
|
0
|
0
|
0
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
0
|
0
|
11,142
|
0
|
0
|
0
|
654
|
655
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
243,954
|
205,073
|
13,482
|
2,485
|
14,308
|
9,290
|
344,998
|
301,474
|
29,792
|
18,171
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
63,633,539
|
61,640,646
|
13,624,928
|
13,291,750
|
816,453
|
709,595
|
67,120,493
|
67,235,447
|
346,938
|
266,285
|
|
Capital social / Capital stock
|
4,961,758
|
4,723,363
|
1,714,577
|
1,238,747
|
156,747
|
156,747
|
8,026,779
|
7,840,354
|
66,829
|
61,757
|
|
Capital adicional / Additional capital
|
-15,523
|
-15,523
|
0
|
875,752
|
0
|
0
|
394,463
|
394,463
|
0
|
0
|
|
Acciones Propias en Cartera / Treasury shares
|
-18,387
|
-18,387
|
0
|
0
|
0
|
0
|
-2
|
-2
|
0
|
0
|
|
Reservas / Reserves
|
1,045,939
|
1,019,451
|
246,306
|
246,306
|
46,276
|
18,110
|
1,383,913
|
1,357,281
|
4,889
|
4,325
|
|
Resultados Acumulados / Retained earnings
|
0
|
0
|
82,796
|
0
|
8,575
|
35,428
|
294,622
|
241,359
|
0
|
0
|
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
733,266
|
264,883
|
118,682
|
-35,204
|
39,030
|
13,129
|
720,971
|
266,321
|
5,515
|
5,635
|
|
Ajustes al Patrimonio / Adjustments to equity
|
-447,026
|
209,618
|
-5,892
|
7,691
|
0
|
0
|
-386,719
|
-105,828
|
0
|
0
|
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
6,260,027
|
6,183,405
|
2,156,469
|
2,333,292
|
250,628
|
223,414
|
10,434,027
|
9,993,948
|
77,233
|
71,717
|
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
69,893,566
|
67,824,051
|
15,781,397
|
15,625,042
|
1,067,081
|
933,009
|
77,554,520
|
77,229,395
|
424,171
|
338,002
|
|
ESTADO DE RESULTADOS / INCOME STATEMENT
|
30/09/2021
|
30/09/2020
|
30/09/2021
|
30/09/2020
|
30/09/2021
|
30/09/2020
|
30/09/2021
|
30/09/2020
|
30/09/2021
|
30/09/2020
|
|
TOTAL INGRESOS POR INTERESES / TOTAL INTEREST INCOME
|
2,568,329
|
2,912,685
|
1,483,551
|
1,615,695
|
112,406
|
88,530
|
2,258,967
|
2,917,562
|
27,256
|
24,459
|
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-595,364
|
-770,619
|
-178,761
|
-299,525
|
-19,913
|
-19,731
|
-373,210
|
-720,569
|
-12,330
|
-11,094
|
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
1,972,965
|
2,142,066
|
1,304,790
|
1,316,170
|
92,493
|
68,799
|
1,885,757
|
2,196,993
|
14,926
|
13,365
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-575,519
|
-1,430,495
|
-313,790
|
-433,487
|
-3,078
|
-31,111
|
-585,052
|
-1,267,561
|
-5,334
|
-3,743
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
1,397,446
|
711,571
|
991,000
|
882,683
|
89,415
|
37,688
|
1,300,705
|
929,432
|
9,592
|
9,622
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
727,020
|
613,712
|
72,445
|
28,952
|
16,559
|
10,952
|
660,946
|
525,872
|
8,231
|
5,928
|
|
Ingresos por emisión de dinero electrónico
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-324,698
|
-241,991
|
-43,148
|
-21,206
|
0
|
0
|
-264,248
|
-193,055
|
-3,510
|
-2,904
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
1,799,768
|
1,083,292
|
1,020,297
|
890,429
|
105,974
|
48,640
|
1,697,403
|
1,262,249
|
14,313
|
12,646
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
413,662
|
304,356
|
26,800
|
12,732
|
10,978
|
6,125
|
356,826
|
339,103
|
2,869
|
1,697
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
2,213,430
|
1,387,648
|
1,047,097
|
903,161
|
116,952
|
54,765
|
2,054,229
|
1,601,352
|
17,182
|
14,343
|
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-455,721
|
-421,914
|
-556,162
|
-576,878
|
-25,480
|
-19,786
|
-545,024
|
-557,546
|
-5,219
|
-4,344
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-632,247
|
-522,299
|
-192,065
|
-156,376
|
-39,794
|
-24,063
|
-446,752
|
-427,688
|
-3,205
|
-2,948
|
|
Impuestos y Contribuciones / Taxes and levies
|
-22,395
|
-19,907
|
-7,066
|
-5,900
|
-7,740
|
-4,452
|
-56,196
|
-58,586
|
-194
|
-157
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-143,895
|
-129,303
|
-30,603
|
-31,037
|
-506
|
-533
|
-55,485
|
-47,614
|
-586
|
-660
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
959,172
|
294,225
|
261,201
|
132,970
|
43,432
|
5,931
|
950,772
|
509,918
|
7,978
|
6,234
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
0
|
0
|
0
|
0
|
0
|
-17,308
|
1,746
|
0
|
0
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
-2,107
|
-1,819
|
0
|
-433
|
0
|
13
|
-11,630
|
-24,150
|
-824
|
-1,304
|
|
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others
|
0
|
0
|
-141
|
-95
|
0
|
0
|
-22,226
|
-20,254
|
-424
|
-564
|
|
Provisión para activos no corrientes mantenidos para la venta / Provisions for non-current assets held for sale
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Deterioro de inversiones / Impairment of investments
|
0
|
0
|
0
|
-930
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment
|
0
|
0
|
0
|
0
|
0
|
0
|
-9
|
-11
|
0
|
0
|
|
Deterioro de activos intangibles / Impairment of intangible assets
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
-523
|
0
|
0
|
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
-3,116
|
0
|
53
|
-297
|
-223
|
0
|
345
|
-657
|
0
|
0
|
|
Otras provisiones / Others Provisions
|
-2,795
|
-3,693
|
0
|
0
|
0
|
0
|
-1
|
0
|
0
|
0
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
951,154
|
288,713
|
261,113
|
131,215
|
43,209
|
5,944
|
899,943
|
466,069
|
6,730
|
4,366
|
|
Otros ingresos y egresos / Other income and expenses
|
-6,352
|
6,511
|
-73,119
|
-25,292
|
12,602
|
7,724
|
4,161
|
5,271
|
983
|
454
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
944,802
|
295,224
|
187,994
|
105,923
|
55,811
|
13,668
|
904,104
|
471,340
|
7,713
|
4,820
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-211,536
|
-42,303
|
-69,312
|
-31,995
|
-16,781
|
-4,285
|
-183,133
|
-87,564
|
-2,198
|
-1,223
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
733,266
|
252,921
|
118,682
|
73,928
|
39,030
|
9,383
|
720,971
|
383,776
|
5,515
|
3,597
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
30/09/2021
|
30/09/2021
|
30/09/2021
|
30/09/2021
|
30/09/2021
|
|
Liquidez / Liquid Ratio
|
1.38
|
|
19.01
|
|
n.d.
|
|
0.66
|
|
n.d.
|
|
|
Disponible %
|
24.93
|
|
10.00
|
|
4.90
|
|
15.45
|
|
2.23
|
|
|
Solvencia / Solvency
|
10.59
|
|
6.95
|
|
4.02
|
|
7.13
|
|
4.84
|
|
|
Eficiencia y Gestión %
|
41.47
|
|
55.33
|
|
67.42
|
|
39.26
|
|
34.51
|
|
|
Intermediación Financiera %
|
78.09
|
|
100.05
|
|
79.40
|
|
77.25
|
|
74.74
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
1.05
|
|
0.75
|
|
3.66
|
|
0.93
|
|
1.30
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
11.71
|
|
5.50
|
|
15.57
|
|
6.91
|
|
7.14
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|