Estados Financieros Comparados |
Actualizado al 25 de noviembre de 2021 |
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT
|
Diversas/ASSORTED
|
CIFRAS EXPRESADAS EN MILES DE SOLES
|
Empresa/Cuenta
|
Credicorp Ltd.
|
|
|
|
|
CIIU
|
6599
|
|
|
|
|
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION
|
30/09/2021
|
31/12/2020
|
|
|
|
|
|
|
|
|
Disponibles / Funds Available
|
44,498,074
|
36,720,772
|
|
|
|
|
|
|
|
|
Fondos interbancarios / Inter-Bank Funds
|
9,782
|
32,222
|
|
|
|
|
|
|
|
|
Inversiones a valor razonable con cambios en resultados / Investments in securities (net)
|
6,660,487
|
6,467,471
|
|
|
|
|
|
|
|
|
Inversiones disponibles para la venta
|
33,262,618
|
43,743,889
|
|
|
|
|
|
|
|
|
Inversiones a vencimiento
|
398,847
|
158,019
|
|
|
|
|
|
|
|
|
Derivados para negociación
|
2,132,355
|
1,186,401
|
|
|
|
|
|
|
|
|
Derivados de cobertura
|
106,879
|
28,096
|
|
|
|
|
|
|
|
|
Cartera de créditos (neto) / Loans portfolio (net)
|
58,387,418
|
55,726,691
|
|
|
|
|
|
|
|
|
Cuentas por cobrar por operaciones de seguros (neto) / Accounts receivable from insurance transactions (net)
|
801,531
|
937,223
|
|
|
|
|
|
|
|
|
Cuentas por cobrar a reaseguradores y coaseguradores (neto) / Accounts receivable from reinsurers and coinsurers (net)
|
1,097,493
|
919,419
|
|
|
|
|
|
|
|
|
Activos por reservas técnicas a cargo de reaseguradoras
|
0
|
0
|
|
|
|
|
|
|
|
|
Cuentas por cobrar (neto) / Accounts receivable (net)
|
3,538,839
|
1,578,253
|
|
|
|
|
|
|
|
|
Cuentas por cobrar diversas (neto) / Sundry accounts receivable (net)
|
2,555,337
|
2,394,302
|
|
|
|
|
|
|
|
|
Impuestos a las ganancias corrientes / Assets from income tax
|
391,148
|
303,838
|
|
|
|
|
|
|
|
|
Activos no corrientes mantenidos para la venta
|
0
|
0
|
|
|
|
|
|
|
|
|
Otros activos (netos) / Other assets (net)
|
2,632,612
|
2,256,838
|
|
|
|
|
|
|
|
|
TOTAL ACTIVO CORRIENTE / TOTAL CURRENT ASSETS
|
156,473,420
|
152,453,434
|
|
|
|
|
|
|
|
|
Cartera de créditos (neto) / Loans portfolio (net)
|
79,086,359
|
72,034,434
|
|
|
|
|
|
|
|
|
Cuentas por cobrar (neto) / Accounts receivable (net)
|
0
|
0
|
|
|
|
|
|
|
|
|
Cuentas por cobrar diversas (neto) / Sundry accounts receivable (net)
|
0
|
0
|
|
|
|
|
|
|
|
|
Bienes realizables, recibidos en pago, adjudicados / Realizable, received as payment, foreclosed
|
130,087
|
135,089
|
|
|
|
|
|
|
|
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Participaciones en asociadas y negocios conjuntos / Permanent investments in securities (net)
|
648,041
|
645,886
|
|
|
|
|
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|
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Inversiones a vencimiento
|
7,788,504
|
4,804,363
|
|
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|
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Propiedades de Inversión / Investment property
|
471,307
|
466,859
|
|
|
|
|
|
|
|
|
Inmuebles, mobiliario y equipo (neto) / Property, plant and equipment (net)
|
1,911,478
|
2,077,803
|
|
|
|
|
|
|
|
|
Activos intangibles (neto) distinto a la plusvalía / Intangible assets
|
1,856,020
|
1,818,398
|
|
|
|
|
|
|
|
|
Plusvalía / Capital gain
|
826,196
|
820,899
|
|
|
|
|
|
|
|
|
Impuestos a las ganancias diferidas / Assets from deferred income tax
|
1,574,116
|
1,693,655
|
|
|
|
|
|
|
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Otros activos (netos) / Other assets (net)
|
776,863
|
455,343
|
|
|
|
|
|
|
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TOTAL ACTIVO NO CORRIENTE / TOTAL NON-CURRENT ASSETS
|
95,068,971
|
84,952,729
|
|
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TOTAL ACTIVO / TOTAL ASSETS
|
251,542,391
|
237,406,163
|
|
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|
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Obligaciones con el público / Obligations with the public
|
151,383,706
|
141,163,903
|
|
|
|
|
|
|
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Fondos interbancarios / Inter-Bank Funds
|
77,478
|
0
|
|
|
|
|
|
|
|
|
Depósitos de Empresas del Sistema Financiero y Organismos Financieros Internacionales / Deposits from financial system companies and internat. financial org.
|
1,164,662
|
1,201,599
|
|
|
|
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Adeudados y Obligaciones Financieras / Financial debt and obligations
|
4,142,543
|
2,818,002
|
|
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|
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Derivados para negociación
|
1,967,853
|
1,059,240
|
|
|
|
|
|
|
|
|
Derivados de cobertura
|
31,730
|
145,973
|
|
|
|
|
|
|
|
|
Cuentas por pagar a intermediarios, comercializadores y auxiliares / Accounts payable to brokers and assistants
|
94,555
|
87,314
|
|
|
|
|
|
|
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Cuentas por pagar a asegurados / Accounts payable to insured
|
114,921
|
91,529
|
|
|
|
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|
|
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Cuentas por pagar a reaseguradores y coaseguradores (neto) / Accounts payable to reinsurers and coinsurers (net)
|
278,220
|
338,446
|
|
|
|
|
|
|
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Reservas técnicas por siniestros / Technical reserves for claims
|
2,542,437
|
2,014,264
|
|
|
|
|
|
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Cuentas por pagar / Accounts payable
|
4,416,644
|
2,049,742
|
|
|
|
|
|
|
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Cuentas por pagar diversas / Other accounts payable
|
24,242,207
|
27,923,617
|
|
|
|
|
|
|
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|
Provisiones / Provisions
|
608,146
|
536,863
|
|
|
|
|
|
|
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Impuestos a las ganancias corrientes / Liabilities form income tax
|
177,985
|
293,873
|
|
|
|
|
|
|
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Otros pasivos / Other Liabilities
|
2,320,607
|
1,269,845
|
|
|
|
|
|
|
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|
TOTAL PASIVO CORRIENTE / TOTAL CURRENT LIABILITIES
|
193,563,694
|
180,994,210
|
|
|
|
|
|
|
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|
Adeudos y obligaciones financieras / Financial debts and obligations
|
20,824,043
|
19,479,662
|
|
|
|
|
|
|
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Reservas técnicas por primas / Technical reserves for premiums
|
9,928,912
|
9,624,602
|
|
|
|
|
|
|
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|
Reservas técnicas por siniestros / Technical reserves for claims
|
41,340
|
36,210
|
|
|
|
|
|
|
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Cuentas por pagar / Accounts payable
|
0
|
0
|
|
|
|
|
|
|
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Cuentas por pagar diversas / Sundry accounts payable
|
0
|
0
|
|
|
|
|
|
|
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|
Provisiones / Provisions
|
584,795
|
514,382
|
|
|
|
|
|
|
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|
Impuestos a las ganancias diferidas / Liabilities from deferred income tax
|
117,300
|
105,529
|
|
|
|
|
|
|
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|
Otros pasivos / Other Liabilities
|
776,863
|
1,205,921
|
|
|
|
|
|
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TOTAL PASIVO NO CORRIENTE / TOTAL NON-CURRENT LIABILITIES
|
32,273,253
|
30,966,306
|
|
|
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TOTAL PASIVO / TOTAL LIABILITIES
|
225,836,947
|
211,960,516
|
|
|
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Capital social / Issued capital
|
1,318,993
|
1,318,993
|
|
|
|
|
|
|
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Prima de Emisión / Share premium
|
215,071
|
192,625
|
|
|
|
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Acciones en tesorería / Treasury shares
|
-207,745
|
-208,433
|
|
|
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Reservas / Reserves
|
21,350,150
|
21,429,635
|
|
|
|
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Resultados acumulados / Retained earnings
|
2,496,665
|
347,152
|
|
|
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|
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Ajustes al patrimonio / Unachieved earnings
|
19,435
|
1,865,898
|
|
|
|
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|
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Patrimonio Atribuible a los Propietarios de la Controladora / Equity attributable to controlling interest
|
25,192,569
|
24,945,870
|
|
|
|
|
|
|
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Participaciones No Controladoras / Non-controlling interest
|
512,875
|
499,777
|
|
|
|
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TOTAL PATRIMONIO / TOTAL EQUITY
|
25,705,444
|
25,445,647
|
|
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TOTAL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND EQUITY
|
251,542,391
|
237,406,163
|
|
|
|
|
|
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ESTADO DE RESULTADOS / INCOME STATEMENT
|
30/09/2021
|
30/09/2020
|
|
|
|
|
|
|
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|
INGRESOS DE ACTIVIDADES ORDINARIAS / INCOME FROM REGULAR ACTIVITIES
|
10,718,095
|
10,619,938
|
|
|
|
|
|
|
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COSTOS POR SERVICIOS Y VENTA DE BIENES / COSTS OF SERVICES AND PROPERTY SALES
|
-3,707,158
|
-3,557,142
|
|
|
|
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|
|
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|
MARGEN BRUTO / GROSS MARGIN
|
7,010,937
|
7,062,796
|
|
|
|
|
|
|
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|
Provisión para créditos / Provisions for loans
|
-1,085,441
|
-5,187,843
|
|
|
|
|
|
|
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|
MARGEN BRUTO DESPUÉS DE PROVISIONES / GROSS FINANCIAL MARGIN AFTER PROVISIONS
|
5,925,496
|
1,874,953
|
|
|
|
|
|
|
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|
Comisiones (netas) / Fees (net)
|
2,569,573
|
2,039,622
|
|
|
|
|
|
|
|
|
Ingresos (egresos) técnicos diversos (neto) / Sundry income (expenses)
|
-258,182
|
-286,748
|
|
|
|
|
|
|
|
|
Resultados por operaciones financieras (ROF)
|
866,162
|
844,599
|
|
|
|
|
|
|
|
|
Gastos de administración / Overheads
|
-5,213,697
|
-4,670,002
|
|
|
|
|
|
|
|
|
Gastos de ventas / Sales expenses
|
0
|
0
|
|
|
|
|
|
|
|
|
Valuación de activos y otras provisiones / Provisions and Depreciation and Amortization
|
0
|
-63,978
|
|
|
|
|
|
|
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
3,889,352
|
-261,554
|
|
|
|
|
|
|
|
|
Ingresos financieros / Financial income
|
0
|
0
|
|
|
|
|
|
|
|
|
Gastos financieros / Financial expenses
|
0
|
0
|
|
|
|
|
|
|
|
|
Otros Ingresos y gastos / Sundry income and expenses
|
-115,643
|
-283,270
|
|
|
|
|
|
|
|
|
Resultado antes de Impuesto a las Ganancias / PRE-INCOME TAX RESULT
|
3,773,709
|
-544,824
|
|
|
|
|
|
|
|
|
Gasto por Impuesto a las Ganancias / Income tax expenses
|
-1,189,127
|
213,151
|
|
|
|
|
|
|
|
|
Resultado Neto de Operaciones Continuadas / Net profit (loss) form continuing trades
|
2,584,582
|
-331,673
|
|
|
|
|
|
|
|
|
Ganancia (Pérdida) Neta del Impuesto a las Ganancias Procedente de Operaciones Discontinuadas / Net profit (loss) from income tax discontinued trades
|
0
|
0
|
|
|
|
|
|
|
|
|
Resultado Neto del Ejercicio / PERIOD'S NET PROFIT (LOSS)
|
2,584,582
|
-331,673
|
|
|
|
|
|
|
|
|
Resultado neto atribuible a: / Net profit (loss) attributable to:
|
0
|
0
|
|
|
|
|
|
|
|
|
Propietarios de la Controladora / Controlling interest
|
2,523,966
|
-306,510
|
|
|
|
|
|
|
|
|
Participaciones no Controladoras / Non-controlling interest
|
60,616
|
-25,163
|
|
|
|
|
|
|
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
30/09/2021
|
|
|
|
|
Liquidez / Liquid Ratio
|
0.81
|
|
|
|
|
|
Rotación en Activos / Gross Sales to Total Assets
|
0.04
|
|
|
|
|
|
Solvencia / Solvency
|
0.90
|
|
|
|
|
|
Deuda / Patrimonio / Debt / Equity
|
8.79
|
|
|
|
|
|
Rentabilidad de Capital % / Return on capital %
|
195.95
|
|
|
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
1.03
|
|
|
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
10.05
|
|
|
|
|
|
* Estados Financieros expresados en miles de US$
|
|
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|