Tearsheet · estados financieros consolidados
Banco BBVA Perú y Subsidiarias · consolidado
SERIE 2018,2020–2025 · CONSOLIDADO · PEN — S/ (000) · NIIF
Estado de resultados (EGP)
calculado| Cuenta | 2018 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR '18-25 |
|---|---|---|---|---|---|---|---|---|
| Ingresos de actividades ordinarias | 4,483,439 | 4,298,555 | 4,236,841 | 5,739,163 | 7,585,895 | 8,083,186 | 7,967,004 | +8.6% |
| Ingresos por intereses | 4,483,439 | 4,298,555 | 4,236,841 | 5,739,163 | 7,585,895 | 8,083,186 | 7,967,004 | +8.6% |
| Ingresos por primas y aportes ganados | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n.a. |
| Costos operacionales | (1,319,288) | (1,054,376) | (634,973) | (1,125,846) | (2,228,895) | (2,233,177) | (1,897,179) | -5.3% |
| Gastos por intereses | (1,319,288) | (1,054,376) | (634,973) | (1,125,846) | (2,228,895) | (2,233,177) | (1,897,179) | -5.3% |
| Siniestros y prestaciones incurridas | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n.a. |
| Margen bruto | 3,164,151 | 3,244,179 | 3,601,868 | 4,613,317 | 5,357,000 | 5,850,009 | 6,069,825 | +9.8% |
| Provisión para créditos | (744,119) | (1,751,212) | (752,691) | (984,612) | (1,963,483) | (2,235,226) | (1,492,965) | -10.5% |
| Margen bruto después de provisiones | 2,420,032 | 1,492,967 | 2,849,177 | 3,628,705 | 3,393,517 | 3,614,783 | 4,576,860 | +9.5% |
| Comisiones netas | 813,435 | 811,479 | 873,397 | 893,408 | 1,013,670 | 1,076,438 | 1,197,749 | +5.7% |
| Resultado por operaciones financieras | 581,371 | 659,712 | 709,063 | 620,496 | 846,939 | 931,246 | 903,460 | +6.5% |
| Gastos de administración | (1,553,155) | (1,707,448) | (1,805,002) | (2,146,352) | (2,474,631) | (2,695,459) | (2,953,697) | -9.6% |
| Valuación de activos y otras provisiones | (214,439) | (348,485) | (363,608) | (334,641) | (419,960) | (529,291) | (433,368) | -10.6% |
| Resultado de operación | 2,047,244 | 908,225 | 2,263,027 | 2,661,616 | 2,359,535 | 2,397,717 | 3,291,004 | +7.0% |
| Otros ingresos y gastos | (10,540) | (20,842) | (10,805) | 14,006 | 74,027 | 26,591 | (4,773) | +10.7% |
| Resultado antes de impuestos | 2,036,704 | 887,383 | 2,252,222 | 2,675,622 | 2,433,562 | 2,424,308 | 3,286,231 | +7.1% |
| Impuesto a las ganancias | (567,778) | (239,167) | (691,722) | (753,863) | (559,826) | (541,536) | (895,320) | -6.7% |
| Resultado neto del ejercicio | 1,468,926 | 648,216 | 1,560,500 | 1,921,759 | 1,873,736 | 1,882,772 | 2,390,911 | +7.2% |
Situación financiera (BGP)
condensado| Cuenta | 2018 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR '18-25 |
|---|---|---|---|---|---|---|---|---|
| Total activo corriente | 47,733,938 | 64,836,037 | 61,924,496 | s.d. | 66,299,635 | 68,942,358 | 65,486,180 | +4.6% |
| Total activo no corriente | 27,248,780 | 42,501,231 | 39,571,259 | s.d. | 38,024,167 | 42,246,634 | 46,850,167 | +8.0% |
| Total activo | 74,982,718 | 107,337,268 | 101,495,755 | s.d. | 104,323,802 | 111,188,992 | 112,336,347 | +5.9% |
| Total pasivo corriente | 58,884,962 | 91,977,281 | 86,793,404 | s.d. | 88,166,008 | 90,638,339 | 89,734,615 | +6.2% |
| Total pasivo no corriente | 7,745,543 | 5,998,131 | 4,533,622 | s.d. | 3,788,126 | 7,250,307 | 7,610,103 | -0.3% |
| Total pasivo | 66,630,505 | 97,975,412 | 91,327,026 | s.d. | 91,954,134 | 97,888,646 | 97,344,718 | +5.6% |
| Total patrimonio | 8,352,213 | 9,361,856 | 10,168,729 | s.d. | 12,369,668 | 13,300,346 | 14,991,629 | +8.7% |
Flujo de efectivo (EFE)
resumen| Cuenta | 2018 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR '18-25 |
|---|---|---|---|---|---|---|---|---|
| Actividades de operación | 2,371,192 | 14,459,661 | 4,922,419 | (1,501,881) | (826,228) | 493,578 | (65,873) | n.a. |
| Actividades de inversión | (190,616) | (148,365) | (231,501) | (84,668) | (347,392) | (263,671) | (266,360) | -4.9% |
| Actividades de financiamiento | (3,909,311) | (46,964) | (17,099,503) | (26,315) | 2,428,826 | 5,348,433 | (2,080,640) | +8.6% |
| Aumento neto de efectivo | (1,329,036) | 15,503,138 | (11,444,944) | (2,237,001) | 963,051 | 5,677,130 | (3,295,052) | -13.8% |
Estado de resultados — análisis vertical (% de ingresos)
common size| Cuenta | 2018 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Ingresos de actividades ordinarias | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Ingresos por intereses | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Ingresos por primas y aportes ganados | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Costos operacionales | -29.4% | -24.5% | -15.0% | -19.6% | -29.4% | -27.6% | -23.8% |
| Gastos por intereses | -29.4% | -24.5% | -15.0% | -19.6% | -29.4% | -27.6% | -23.8% |
| Siniestros y prestaciones incurridas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Margen bruto | 70.6% | 75.5% | 85.0% | 80.4% | 70.6% | 72.4% | 76.2% |
| Provisión para créditos | -16.6% | -40.7% | -17.8% | -17.2% | -25.9% | -27.7% | -18.7% |
| Margen bruto después de provisiones | 54.0% | 34.7% | 67.2% | 63.2% | 44.7% | 44.7% | 57.4% |
| Comisiones netas | 18.1% | 18.9% | 20.6% | 15.6% | 13.4% | 13.3% | 15.0% |
| Resultado por operaciones financieras | 13.0% | 15.3% | 16.7% | 10.8% | 11.2% | 11.5% | 11.3% |
| Gastos de administración | -34.6% | -39.7% | -42.6% | -37.4% | -32.6% | -33.3% | -37.1% |
| Valuación de activos y otras provisiones | -4.8% | -8.1% | -8.6% | -5.8% | -5.5% | -6.5% | -5.4% |
| Resultado de operación | 45.7% | 21.1% | 53.4% | 46.4% | 31.1% | 29.7% | 41.3% |
| Otros ingresos y gastos | -0.2% | -0.5% | -0.3% | 0.2% | 1.0% | 0.3% | -0.1% |
| Resultado antes de impuestos | 45.4% | 20.6% | 53.2% | 46.6% | 32.1% | 30.0% | 41.2% |
| Impuesto a las ganancias | -12.7% | -5.6% | -16.3% | -13.1% | -7.4% | -6.7% | -11.2% |
| Resultado neto del ejercicio | 32.8% | 15.1% | 36.8% | 33.5% | 24.7% | 23.3% | 30.0% |
Situación financiera — análisis vertical (% de activo total)
common size| Cuenta | 2018 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Total activo corriente | 63.7% | 60.4% | 61.0% | s.d. | 63.6% | 62.0% | 58.3% |
| Total activo no corriente | 36.3% | 39.6% | 39.0% | s.d. | 36.4% | 38.0% | 41.7% |
| Total activo | 100.0% | 100.0% | 100.0% | s.d. | 100.0% | 100.0% | 100.0% |
| Total pasivo corriente | 78.5% | 85.7% | 85.5% | s.d. | 84.5% | 81.5% | 79.9% |
| Total pasivo no corriente | 10.3% | 5.6% | 4.5% | s.d. | 3.6% | 6.5% | 6.8% |
| Total pasivo | 88.9% | 91.3% | 90.0% | s.d. | 88.1% | 88.0% | 86.7% |
| Total patrimonio | 11.1% | 8.7% | 10.0% | s.d. | 11.9% | 12.0% | 13.3% |
Ratios financieros — serie 2018–2025
calculados| Ratio | 2018 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Margen bruto | 70.57% | 75.47% | 85.01% | 80.38% | 70.62% | 72.37% | 76.19% |
| Margen operativo | 45.66% | 21.13% | 53.41% | 46.38% | 31.10% | 29.66% | 41.31% |
| Margen neto | 32.76% | 15.08% | 36.83% | 33.49% | 24.70% | 23.29% | 30.01% |
| ROA prom. | 1.96% | 0.71% | 1.49% | 1.89% | 1.80% | 1.75% | 2.14% |
| ROE prom. | 17.59% | 7.32% | 15.98% | 18.90% | 15.15% | 14.67% | 16.90% |
| Razón corriente | 0.81x | 0.70x | 0.71x | s.d. | 0.75x | 0.76x | 0.73x |
| Pasivo / patrimonio | 7.98x | 10.47x | 8.98x | s.d. | 7.43x | 7.36x | 6.49x |
ROE/ROA sobre promedio del año y el inmediato anterior disponible en la serie (no siempre año calendario consecutivo — falta 2019). Márgenes sobre ingresos del ejercicio.
Pendiente
El pipeline de memoria anual aún no procesó esta empresa
Por ahora solo Alicorp tiene la memoria anual estructurada (accionistas, directorio, segmentos de venta, contexto de sector). El pipeline sigue en curso — ver PLAN.md del repo valora-ai.
Mock estático para validación visual. Datos extraídos de los EEFF consolidados auditados publicados en la SMV (información pública), serie 2018,2020–2025 (2019 sin dato en la caché). CAGR calculado entre el primer y último año disponible. El procesamiento es automático y puede contener errores — no usar como fuente única para decisiones de inversión.