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
|
Banco de Crédito
|
Banco de la Nación
|
Bank of China (Peru)
|
CMAC Arequipa
|
COFIDE
|
CIIU
|
6519
|
6519
|
6419
|
65197
|
6599
|
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
|
39,596,832
|
32,560,867
|
24,497,030
|
25,873,987
|
235,855
|
45,942
|
1,317,739
|
1,164,058
|
2,462,806
|
1,997,354
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
15,000
|
28,968
|
0
|
0
|
41,378
|
28,971
|
0
|
0
|
0
|
0
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
1,406,424
|
2,168,500
|
0
|
93,818
|
0
|
0
|
0
|
0
|
0
|
0
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
16,928,273
|
28,452,180
|
7,680,874
|
6,035,472
|
79,585
|
0
|
221,063
|
466,719
|
4,386,630
|
4,795,635
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
7,308,461
|
4,637,459
|
2,429,957
|
2,411,146
|
55,992
|
184,934
|
43,024
|
4,565
|
0
|
0
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
114,175,304
|
106,566,857
|
6,814,015
|
8,045,308
|
42,301
|
0
|
5,681,747
|
5,120,551
|
4,674,976
|
5,558,630
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
1,796,641
|
862,027
|
0
|
0
|
0
|
0
|
0
|
0
|
4,135
|
5,432
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
106,879
|
28,096
|
0
|
0
|
0
|
0
|
17,086
|
15,294
|
0
|
74
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
1,369,916
|
742,884
|
333,870
|
357,227
|
1,300
|
523
|
4,911
|
5,297
|
875,371
|
47,764
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
38,722
|
57,053
|
0
|
0
|
0
|
0
|
5,083
|
7,707
|
0
|
0
|
PARTICIPACIONES / PROFIT SHARING
|
2,110,917
|
2,288,707
|
0
|
0
|
0
|
0
|
1,239
|
1,238
|
0
|
0
|
Subsidiarias / Subsidiaries
|
2,086,595
|
2,275,077
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
24,322
|
13,630
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Otras / Other
|
0
|
0
|
0
|
0
|
0
|
0
|
1,239
|
1,238
|
0
|
0
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
971,076
|
1,046,139
|
582,227
|
613,659
|
6,583
|
7,112
|
145,580
|
142,618
|
3,975
|
4,554
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
1,072,560
|
1,045,545
|
39,411
|
39,315
|
1,639
|
1,474
|
13,478
|
11,938
|
1,204
|
1,930
|
PLUSVALIA / GOODWILL
|
144,841
|
144,841
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
123,114
|
96,211
|
448
|
399
|
10,326
|
23,980
|
18,638
|
19,393
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
1,082,496
|
942,790
|
138,850
|
120,729
|
1,986
|
426
|
93,700
|
61,918
|
12,036
|
0
|
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)
|
846,185
|
952,089
|
530,510
|
600,602
|
487
|
813
|
24,165
|
17,888
|
18,326
|
15,583
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
188,970,527
|
182,525,002
|
43,169,858
|
44,287,474
|
467,554
|
270,594
|
7,579,141
|
7,043,771
|
12,458,097
|
12,446,349
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
122,165,712
|
117,284,195
|
40,296,605
|
39,664,885
|
214,838
|
12,331
|
5,403,544
|
5,088,354
|
27,386
|
34,808
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
28,968
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG.
|
2,958,840
|
1,061,837
|
339,638
|
677,059
|
0
|
0
|
71,107
|
86,152
|
0
|
175,914
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
20,843,602
|
18,560,279
|
256,611
|
251,677
|
0
|
0
|
645,306
|
461,143
|
9,052,092
|
9,158,529
|
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
1,673,239
|
726,569
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
31,730
|
145,973
|
0
|
0
|
0
|
0
|
15,010
|
18,626
|
2,832
|
0
|
CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
21,019,371
|
24,896,314
|
361,395
|
455,171
|
4,076
|
2,340
|
500,053
|
556,683
|
1,107,924
|
742,635
|
PROVISIONES / PROVISIONS
|
666,806
|
660,732
|
130,113
|
116,307
|
5,423
|
548
|
5,005
|
5,014
|
41,469
|
40,612
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
136,551
|
133,731
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
19,291
|
0
|
0
|
0
|
0
|
0
|
0
|
199,132
|
OTROS PASIVOS / OTHER LIABILITIES
|
301,073
|
268,322
|
383,243
|
748,397
|
2,023
|
0
|
87,311
|
11,582
|
10,519
|
16,363
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
169,796,924
|
163,766,920
|
41,786,896
|
41,913,496
|
226,360
|
15,219
|
6,727,336
|
6,227,554
|
10,242,222
|
10,367,993
|
Capital social / Capital stock
|
11,317,387
|
11,067,387
|
1,200,000
|
1,200,000
|
265,200
|
265,200
|
625,270
|
595,256
|
1,896,287
|
1,896,287
|
Capital adicional / Additional capital
|
0
|
0
|
1,898
|
1,461
|
0
|
0
|
183
|
183
|
38,377
|
21,760
|
Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Reservas / Reserves
|
6,707,831
|
6,166,670
|
420,000
|
420,000
|
0
|
0
|
190,611
|
185,314
|
6,835
|
4,790
|
Resultados Acumulados / Retained earnings
|
1,288
|
42
|
231,415
|
2,518
|
-9,826
|
-5,301
|
0
|
0
|
218,882
|
0
|
Resultado Neto del Ejercicio / Net profits for fiscal year
|
2,005,926
|
832,889
|
307,359
|
658,292
|
-13,886
|
-4,524
|
36,447
|
35,311
|
32,865
|
20,458
|
Ajustes al Patrimonio / Adjustments to equity
|
-858,829
|
691,094
|
-777,710
|
91,707
|
-294
|
0
|
-706
|
153
|
22,629
|
135,061
|
TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
19,173,603
|
18,758,082
|
1,382,962
|
2,373,978
|
241,194
|
255,375
|
851,805
|
816,217
|
2,215,875
|
2,078,356
|
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
188,970,527
|
182,525,002
|
43,169,858
|
44,287,474
|
467,554
|
270,594
|
7,579,141
|
7,043,771
|
12,458,097
|
12,446,349
|
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
|
5,773,378
|
6,317,565
|
950,312
|
1,032,301
|
989
|
2,573
|
794,914
|
723,171
|
308,969
|
324,386
|
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-1,107,198
|
-1,542,081
|
-47,102
|
-51,066
|
-60
|
0
|
-118,831
|
-153,720
|
-291,847
|
-210,904
|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
4,666,180
|
4,775,484
|
903,210
|
981,235
|
929
|
2,573
|
676,083
|
569,451
|
17,122
|
113,482
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-1,493,980
|
-3,068,543
|
-21,021
|
-21,033
|
-299
|
0
|
-253,901
|
-201,249
|
-337,910
|
-117,456
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
3,172,200
|
1,706,941
|
882,189
|
960,202
|
630
|
2,573
|
422,182
|
368,202
|
-320,788
|
-3,974
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
2,123,500
|
1,684,015
|
519,297
|
401,017
|
1,685
|
0
|
34,428
|
28,173
|
71,103
|
39,724
|
Ingresos por emisión de dinero electrónico
|
0
|
0
|
28
|
28
|
0
|
0
|
0
|
0
|
0
|
0
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-349,216
|
-281,292
|
-231,729
|
-197,528
|
-27
|
-6
|
-25,145
|
-20,901
|
-10,491
|
-11,297
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
4,946,484
|
3,109,664
|
1,169,757
|
1,163,691
|
2,288
|
2,567
|
431,465
|
375,474
|
-260,176
|
24,453
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
812,881
|
759,427
|
50,743
|
248,964
|
2,278
|
5,803
|
4,772
|
3,888
|
438,396
|
9,226
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
5,759,365
|
3,869,091
|
1,220,500
|
1,412,655
|
4,566
|
8,370
|
436,237
|
379,362
|
178,220
|
33,679
|
Gastos de Personal y Directorio / Personnel and directors' expenses
|
-1,312,250
|
-1,235,886
|
-422,383
|
-417,499
|
-8,058
|
-3,201
|
-228,269
|
-200,935
|
-25,854
|
-25,276
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-1,358,170
|
-1,085,957
|
-232,428
|
-203,711
|
-4,924
|
-4,470
|
-116,044
|
-98,904
|
-18,226
|
-14,397
|
Impuestos y Contribuciones / Taxes and levies
|
-143,753
|
-121,233
|
-77,606
|
-61,494
|
-1,017
|
-139
|
-3,399
|
-3,303
|
-3,378
|
-3,228
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-261,327
|
-252,650
|
-48,396
|
-66,883
|
-1,147
|
-379
|
-26,378
|
-24,940
|
-2,095
|
-1,472
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
2,683,865
|
1,173,365
|
439,687
|
663,068
|
-10,580
|
181
|
62,147
|
51,280
|
128,667
|
-10,694
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
37,102
|
-53,277
|
-2,817
|
-2,667
|
-4,847
|
0
|
-20
|
8
|
1,725
|
12,474
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
-2,659
|
-5,956
|
-10,642
|
-29
|
-15
|
0
|
-1,328
|
-986
|
-367
|
-1,855
|
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others
|
-10,086
|
-16,063
|
0
|
0
|
0
|
0
|
-2,264
|
-1,619
|
78
|
0
|
Provisión para activos no corrientes mantenidos para la venta / Provisions for non-current assets held for sale
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Deterioro de inversiones / Impairment of investments
|
-3,279
|
-4,267
|
0
|
0
|
0
|
0
|
0
|
0
|
593
|
-5
|
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Deterioro de activos intangibles / Impairment of intangible assets
|
0
|
0
|
-33
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
-1,917
|
-4,887
|
-39,046
|
-21,319
|
0
|
0
|
-977
|
-168
|
-547
|
-391
|
Otras provisiones / Others Provisions
|
-6,275
|
-4,978
|
-241
|
-31
|
0
|
-38
|
0
|
0
|
-827
|
-2,221
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
2,696,751
|
1,083,937
|
386,908
|
639,022
|
-15,442
|
143
|
57,558
|
48,515
|
129,322
|
-2,692
|
Otros ingresos y egresos / Other income and expenses
|
-12,270
|
-140,494
|
7,202
|
8,549
|
-4
|
0
|
-4,065
|
-2,981
|
-41,697
|
659
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
2,684,481
|
943,443
|
394,110
|
647,571
|
-15,446
|
143
|
53,493
|
45,534
|
87,625
|
-2,033
|
IMPUESTO A LA RENTA / INCOME TAX
|
-678,555
|
-157,751
|
-86,751
|
-104,342
|
1,560
|
-39
|
-17,046
|
-15,178
|
-54,760
|
12,503
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
2,005,926
|
785,692
|
307,359
|
543,229
|
-13,886
|
104
|
36,447
|
30,356
|
32,865
|
10,470
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
30/09/2021
|
30/09/2021
|
30/09/2021
|
30/09/2021
|
30/09/2021
|
Liquidez / Liquid Ratio
|
0.75
|
|
1.28
|
|
5.59
|
|
2,409.03
|
|
n.d.
|
|
Disponible %
|
20.95
|
|
56.75
|
|
50.44
|
|
17.39
|
|
19.77
|
|
Solvencia / Solvency
|
9.42
|
|
25.79
|
|
0.85
|
|
8.25
|
|
5.38
|
|
Eficiencia y Gestión %
|
43.08
|
|
47.20
|
|
573.49
|
|
50.85
|
|
50.20
|
|
Intermediación Financiera %
|
73.22
|
|
64.35
|
|
37.04
|
|
96.32
|
|
91.31
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
1.06
|
|
0.71
|
|
-.-
|
|
0.48
|
|
0.26
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
10.46
|
|
22.22
|
|
-.-
|
|
4.28
|
|
1.48
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|