Tearsheet · estados financieros consolidados
Banco de Crédito del Perú · consolidado
SERIE 2017–2025 · CONSOLIDADO · PEN — S/ (000) · NIIF · BANCA MÚLTIPLE
Balance General
| Cuenta | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Disponibles | 28,712,218 | 26,709,946 | 34,365,007 | 36,122,514 | 31,441,299 | 30,853,387 | 45,628,611 | 47,447,965 | +6.5% |
| Fondos interbancarios | 167,842 | 101,979 | 28,968 | 0 | 267,082 | 0 | 0 | 20,002 | -23.3% |
| Inversiones a valor razonable con cambios en resultados | 2,126,700 | 0 | 2,168,500 | 1,261,896 | 1,011 | 362,360 | 603,635 | 641,156 | -13.9% |
| Inversiones disponibles para la venta | 12,014,338 | 14,231,178 | 29,591,086 | 19,335,277 | 15,255,787 | 20,588,793 | 23,371,455 | 22,835,500 | +8.4% |
| Derivados para negociación | 413,582 | 731,164 | 869,696 | 1,351,352 | 1,004,034 | 746,416 | 656,679 | 1,081,708 | +12.8% |
| Derivados de cobertura | 202,640 | 99,171 | 28,096 | 86,268 | 150,762 | 78,151 | 53,822 | 11,270 | -30.3% |
| Cartera de créditos (neto) | 34,566,756 | 48,587,054 | 53,648,550 | 58,646,428 | 64,630,550 | 62,180,834 | 63,290,638 | 67,305,287 | +8.7% |
| Cartera de créditos vigentes | 30,774,458 | 44,259,881 | 47,477,432 | 51,459,211 | 56,907,611 | 54,015,822 | 56,071,597 | 60,962,987 | +8.9% |
| Cartera de créditos reestructurados | 121 | 124 | 0 | 0 | 0 | 0 | 0 | 0 | -100.0% |
| Cartera de créditos refinanciados | 892,644 | 1,163,864 | 1,624,381 | 1,753,625 | 2,066,472 | 2,339,799 | 2,149,248 | 1,851,519 | +9.5% |
| Cartera de créditos vencidos | 1,675,615 | 1,951,268 | 3,097,627 | 3,410,439 | 3,463,677 | 3,819,550 | 2,743,761 | 2,107,418 | +2.9% |
| Cartera de créditos en cobranza judicial | 1,223,918 | 1,211,917 | 1,449,110 | 2,023,153 | 2,192,790 | 2,005,663 | 2,326,032 | 2,383,363 | +8.7% |
| Cuentas por cobrar diversas (neto) | 594,890 | 859,976 | 800,885 | 653,002 | 762,321 | 1,389,859 | 1,392,517 | 1,620,697 | +13.3% |
| Impuestos a las ganancias corrientes | 0 | 0 | 259,498 | 216,606 | 0 | 0 | 0 | 0 | — |
| Otros activos (netos) | 146,417 | 924,864 | 863,724 | 877,754 | 745,959 | 951,347 | 815,548 | 1,348,612 | +32.0% |
| TOTAL ACTIVO CORRIENTE | 78,945,383 | 92,245,332 | 122,624,010 | 118,551,097 | 114,258,805 | 117,151,147 | 135,812,905 | 142,312,197 | +7.6% |
| Cartera de créditos (neto) | 52,672,788 | 51,749,076 | 63,732,820 | 67,820,512 | 63,317,549 | 61,404,955 | 60,761,195 | 63,215,161 | +2.3% |
| Bienes realizables, recibidos en pago, adjudicados | 59,383 | 86,436 | 57,583 | 35,462 | 24,833 | 12,576 | 67,213 | 31,450 | -7.6% |
| Participaciones en asociadas y negocios conjuntos | 37,015 | 31,207 | 13,771 | 28,443 | 28,770 | 21,074 | 28,061 | 28,902 | -3.0% |
| Inversiones a vencimiento | 4,078,908 | 3,456,144 | 4,934,031 | 7,679,342 | 9,254,469 | 9,025,012 | 7,796,254 | 7,799,409 | +8.4% |
| Inmuebles, mobiliario y equipo (neto) | 1,435,013 | 1,287,421 | 1,211,698 | 1,130,254 | 1,095,261 | 1,170,598 | 1,245,629 | 1,261,374 | -1.6% |
| Activo intangible (neto) distinto a la plusvalía | 884,976 | 1,129,008 | 1,269,595 | 1,383,405 | 1,568,252 | 1,775,265 | 1,920,459 | 2,121,900 | +11.6% |
| Plusvalía | 276,321 | 276,321 | 276,321 | 276,321 | 276,321 | 276,321 | 276,321 | 276,321 | +0.0% |
| Impuestos a las ganancias diferidas | 480,233 | 399,000 | 1,072,809 | 927,804 | 1,031,019 | 1,021,370 | 1,035,309 | 1,113,372 | +11.1% |
| TOTAL ACTIVO NO CORRIENTE | 59,924,637 | 58,414,613 | 72,568,628 | 79,281,543 | 76,596,474 | 74,707,171 | 73,130,441 | 75,847,889 | +3.0% |
| TOTAL ACTIVO | 138,870,020 | 150,659,945 | 195,192,638 | 197,832,640 | 190,855,279 | 191,858,318 | 208,943,346 | 218,160,086 | +5.8% |
| Cuentas Contingentes Deudoras | 53,783,183 | 113,999,977 | 114,975,862 | 137,028,235 | 138,699,400 | 138,553,318 | 139,595,137 | 133,234,517 | +12.0% |
| Cuentas de Orden Deudoras | 282,536,797 | 229,726,106 | 336,946,523 | 335,150,096 | 322,268,278 | 285,907,727 | 263,628,918 | 261,428,943 | -1.0% |
| Obligaciones con el público | 83,891,397 | 96,874,934 | 125,646,234 | 128,992,448 | 128,310,952 | 130,295,298 | 145,779,370 | 155,873,205 | +8.1% |
| Fondos interbancarios | 588,549 | 204,986 | 0 | 0 | 22 | 324,577 | 350,095 | 10,001 | -39.9% |
| Depósitos de empresas del sistema financiero y organismos financieros internacionales | 1,614,959 | 2,558,227 | 1,325,721 | 3,158,167 | 1,508,713 | 2,013,219 | 1,936,358 | 1,206,347 | -3.6% |
| Adeudados y obligaciones financieras | 4,600,965 | 7,137,763 | 2,531,358 | 3,248,264 | 5,734,692 | 9,345,726 | 7,405,211 | 3,891,395 | -2.1% |
| Derivados para negociación | 416,719 | 718,784 | 735,531 | 1,301,491 | 1,013,354 | 662,054 | 646,204 | 911,894 | +10.3% |
| Derivados de cobertura | 134,897 | 69,609 | 145,973 | 17,696 | 24,782 | 46,888 | 16,358 | 0 | -100.0% |
| Cuentas por pagar | 11,359,806 | 5,290,824 | 2,304,485 | 1,513,343 | 4,853,193 | 4,976,734 | 4,174,775 | 5,217,866 | -9.3% |
| Cuentas por pagar diversas | 543,914 | 625,541 | 821,193 | 686,810 | 978,460 | 1,795,757 | 1,990,092 | 1,934,471 | +17.2% |
| Impuestos a las ganancias corrientes | 0 | 221,602 | 86,493 | 0 | 598,247 | 181,422 | 342,242 | 265,932 | — |
| Otros pasivos | 717,603 | 636,130 | 466,063 | 651,249 | 831,152 | 983,424 | 1,231,204 | 1,496,160 | +9.6% |
| TOTAL PASIVO CORRIENTE | 103,868,809 | 114,338,400 | 134,063,051 | 139,569,468 | 143,853,567 | 150,625,099 | 163,871,909 | 170,807,271 | +6.4% |
| Adeudos y obligaciones financieras | 18,525,617 | 15,835,461 | 17,123,991 | 17,918,911 | 16,644,617 | 13,161,240 | 16,037,168 | 17,542,411 | -0.7% |
| Cuentas por pagar | 0 | 512,512 | 23,963,102 | 18,737,396 | 6,990,401 | 3,029,110 | 3,029,110 | 795,620 | — |
| Provisiones | 621,170 | 597,938 | 739,939 | 786,612 | 747,601 | 647,965 | 635,968 | 611,101 | -0.2% |
| Otros pasivos | 463,185 | 350,234 | 359,186 | 348,732 | 417,691 | 218,869 | 223,291 | 902,167 | +8.7% |
| TOTAL PASIVO NO CORRIENTE | 19,609,972 | 17,296,145 | 42,186,218 | 37,791,651 | 24,800,310 | 17,057,184 | 19,925,537 | 19,851,299 | +0.2% |
| TOTAL PASIVO | 123,478,781 | 131,634,545 | 176,249,269 | 177,361,119 | 168,653,877 | 167,682,283 | 183,797,446 | 190,658,570 | +5.6% |
| Capital social | 7,933,342 | 10,217,387 | 11,067,387 | 11,317,387 | 12,176,365 | 12,973,175 | 12,973,175 | 12,973,175 | +6.3% |
| Reservas | 3,885,494 | 4,695,118 | 6,166,670 | 6,435,542 | 6,477,156 | 6,265,744 | 5,799,125 | 5,800,275 | +5.1% |
| Resultados acumulados | 3,349,249 | 3,706,594 | 893,270 | 3,097,740 | 4,547,401 | 5,433,866 | 6,633,507 | 8,358,240 | +12.1% |
| Ajustes al patrimonio | 78,128 | 298,112 | 691,094 | (497,305) | (1,138,583) | (647,082) | (393,302) | 225,299 | +14.2% |
| Patrimonio Atribuible a los Propietarios de la Controladora | 15,246,213 | 18,917,211 | 18,818,421 | 20,353,364 | 22,062,339 | 24,025,703 | 25,012,505 | 27,356,989 | +7.6% |
| Participaciones no controladoras | 145,026 | 108,189 | 124,948 | 118,157 | 139,063 | 150,332 | 133,395 | 144,527 | -0.0% |
| TOTAL PATRIMONIO | 15,391,239 | 19,025,400 | 18,943,369 | 20,471,521 | 22,201,402 | 24,176,035 | 25,145,900 | 27,501,516 | +7.5% |
| TOTAL PASIVO Y PATRIMONIO | 138,870,020 | 150,659,945 | 195,192,638 | 197,832,640 | 190,855,279 | 191,858,318 | 208,943,346 | 218,160,086 | +5.8% |
| Cuentas Contingentes Acreedoras | 53,783,183 | 113,999,977 | 114,975,862 | 137,028,235 | 138,699,400 | 138,553,318 | 139,595,137 | 133,234,517 | +12.0% |
| Cuentas de Orden Acreedoras | 282,536,797 | 229,726,106 | 336,946,523 | 335,150,096 | 322,268,278 | 285,907,727 | 263,628,918 | 261,428,943 | -1.0% |
Estado de Resultados
| Cuenta | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|---|---|---|
| INGRESOS DE ACTIVIDADES ORDINARIAS | 9,782,231 | 10,967,124 | 10,271,433 | 9,777,661 | 13,002,030 | 16,526,934 | 17,446,993 | 17,474,451 | +7.5% |
| Ingresos por intereses | 9,782,231 | 10,967,124 | 10,271,433 | 9,777,661 | 13,002,030 | 16,526,934 | 17,446,993 | 17,474,451 | +7.5% |
| COSTOS OPERACIONALES | (2,661,717) | (2,828,004) | (2,422,347) | (1,871,900) | (2,776,800) | (4,455,300) | (4,266,834) | (3,773,230) | — |
| Gastos por intereses | (2,661,717) | (2,828,004) | (2,422,347) | (1,871,900) | (2,776,800) | (4,455,300) | (4,266,834) | (3,773,230) | — |
| MARGEN BRUTO | 7,120,514 | 8,139,120 | 7,849,086 | 7,905,761 | 10,225,230 | 12,071,634 | 13,180,159 | 13,701,221 | +8.5% |
| Provisión para créditos | (1,686,615) | (1,798,506) | (5,023,837) | (1,870,320) | (1,978,190) | (3,461,495) | (3,449,151) | (2,235,266) | — |
| MARGEN BRUTO DESPUÉS DE PROVISIONES | 5,433,899 | 6,340,614 | 2,825,249 | 6,035,441 | 8,247,040 | 8,610,139 | 9,731,008 | 11,465,955 | +9.8% |
| Comisiones (netas) | 2,337,106 | 2,609,684 | 2,248,910 | 2,718,530 | 3,034,281 | 3,096,714 | 3,423,153 | 3,601,034 | +5.6% |
| Resultado por operaciones financieras (ROF) | 793,476 | 898,575 | 813,186 | 938,980 | 977,967 | 1,012,167 | 1,209,234 | 1,560,015 | +8.8% |
| Gastos de administración | (4,416,497) | (4,989,142) | (4,741,918) | (5,441,498) | (6,096,723) | (6,592,928) | (7,355,520) | (7,759,469) | — |
| RESULTADO DE OPERACIÓN | 4,147,984 | 4,859,731 | 1,145,427 | 4,251,453 | 6,162,565 | 6,126,092 | 7,007,875 | 8,867,535 | +10.0% |
| Otros Ingresos y gastos | 40,764 | 122,134 | (173,502) | (55,105) | 8,503 | 67,729 | 32,646 | (49,819) | — |
| Resultado antes de impuesto a las ganancias | 4,188,748 | 4,981,865 | 971,925 | 4,196,348 | 6,171,068 | 6,193,821 | 7,040,521 | 8,817,716 | +9.8% |
| Gasto por impuesto a las ganancias | (1,140,199) | (1,334,880) | (155,139) | (1,151,815) | (1,668,871) | (1,527,751) | (1,814,210) | (2,318,670) | — |
| Resultado neto de operaciones continuadas | 3,048,549 | 3,646,985 | 816,786 | 3,044,533 | 4,502,197 | 4,666,070 | 5,226,311 | 6,499,046 | +9.9% |
| Resultado neto del ejercicio | 3,048,549 | 3,646,985 | 816,786 | 3,044,533 | 4,502,197 | 4,666,070 | 5,226,311 | 6,499,046 | +9.9% |
| Propietarios de la controladora | 3,025,954 | 3,627,575 | 819,927 | 3,036,113 | 4,480,438 | 4,653,039 | 5,210,948 | 6,471,618 | +10.0% |
| Participaciones no controladoras | 22,595 | 19,410 | (3,141) | 8,420 | 21,759 | 13,031 | 15,363 | 27,428 | +2.5% |
| Básica por acción común en operaciones continuadas | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | +4.7% |
| Ganancia (pérdida) básica por acción común | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | +4.7% |
| Diluida por acción común en operaciones continuadas | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | +4.7% |
| Ganancia (pérdida) diluida por acción común | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | +4.7% |
Flujo de Efectivo
| Cuenta | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Resultado neto del ejercicio | 3,048,549 | 3,646,985 | 816,786 | 3,044,533 | 4,502,197 | 4,666,070 | 5,226,311 | 6,499,046 | +9.9% |
| Depreciación y amortización del período | 351,297 | 380,530 | 400,138 | 409,429 | 418,722 | 435,817 | 485,842 | 626,561 | +7.5% |
| Gasto por impuesto a las ganancias | (1,140,199) | (1,334,880) | (155,139) | (1,151,815) | 1,668,871 | 1,527,751 | 1,814,210 | 2,318,670 | — |
| Valuación de inversiones financieras | 0 | 26,015 | 21,235 | 6,572 | 2,794 | 691 | 0 | 0 | — |
| Provisión para cartera de créditos y cuentas por cobrar | 1,947,263 | 1,798,506 | 5,023,837 | 1,870,320 | 1,978,190 | 3,461,495 | 3,449,151 | 2,235,266 | +1.7% |
| Provisiones | 1,336 | 939 | 17,028 | 2,890 | 3,433 | 8,351 | 2,046 | 477 | -12.1% |
| Otras provisiones | 0 | 3,579 | 19,858 | 14,807 | 14,954 | (20,523) | 15,853 | (22,725) | — |
| Pérdida (ganancia) en venta de Inversiones a valor razonable | (62,520) | (138,316) | (132,910) | 132,712 | 24,657 | (80,521) | 30,009 | (90,087) | — |
| Pérdida (ganancia) en venta de inmuebles, mobiliario y equipo (neto) | 0 | (19,772) | (12,576) | (6,410) | (12,804) | (1,745) | (53,072) | (36,199) | — |
| Pérdida (ganancia) en venta de activos intangibles | 0 | 0 | 0 | (3,576) | (2,961) | 0 | 0 | 4,140 | — |
| Otros | 955,668 | 1,452,414 | (578,968) | 1,813,796 | (1,217,847) | (1,270,000) | (1,352,600) | (1,789,182) | — |
| (Aumento) disminución en cuentas por cobrar y cuentas por cobrar diversas | 1,044,976 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -100.0% |
| (Aumento) disminución en otros activos | 232,112 | (640,856) | 2,076,119 | 35,593 | 883,282 | (1,471,715) | (1,247,365) | (4,305,564) | — |
| Aumento (disminución) en otros pasivos | 1,251,369 | 1,218,451 | 892,728 | 1,067,512 | 1,551,743 | 1,197,106 | 1,086,489 | 3,691,877 | +14.5% |
| Impuestos a las ganancias (pagados) reembolsados | (863,356) | (1,041,447) | (952,260) | (931,557) | (887,981) | (1,503,641) | (1,537,407) | (2,356,257) | — |
| Flujos de efectivo y equivalentes de efectivo neto de Actividades de Operación | 6,766,495 | 5,352,148 | 7,435,876 | 6,304,806 | 8,927,250 | 6,949,136 | 7,919,467 | 6,776,023 | +0.0% |
| Venta de inversiones financieras | 0 | 3,447,818 | 1,097,919 | 10,418,962 | 2,835,882 | 0 | 0 | 0 | — |
| Venta de inmuebles, mobiliario y equipo | 34,104 | 26,629 | 22,864 | 15,931 | 46,658 | 53,104 | 83,084 | 72,450 | +9.9% |
| Venta de otros activos | 0 | 0 | 0 | 18,931 | 5,313 | 0 | 0 | 6,392 | — |
| Compra de inversiones financieras | (3,708,603) | (1,688,443) | (19,044,026) | (2,784,228) | 0 | (3,516,853) | (27,088) | 2,178,110 | — |
| Compra de inmuebles, mobiliario y equipo | (131,359) | (128,087) | (77,852) | (78,686) | (134,374) | (264,612) | (257,259) | (174,584) | — |
| Compra de otros activos | (213,246) | (358,962) | (469,494) | (416,765) | (544,910) | (662,261) | (595,374) | (761,773) | — |
| Otros pagos relativos a la actividad de inversión | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 457,501 | — |
| Flujos de efectivo y equivalentes de efectivo neto de Actividades de Inversión | (4,019,104) | 1,298,955 | (18,470,589) | 7,174,145 | 2,208,569 | (4,390,622) | (796,637) | 1,778,096 | — |
| Emisión de pasivos financieros | 1,417,536 | (211,898) | (1,417,580) | (340,977) | (209,673) | (2,665,008) | 2,635,431 | 2,434,150 | +7.0% |
| Aumento (disminución) neto de depósitos, adeudos y obligaciones | 12,419,440 | 5,738,842 | 44,008,453 | (5,670,904) | (8,316,622) | 279,910 | 13,713,247 | 14,889,395 | +2.3% |
| Aumento (disminución) neto de Préstamos provenientes de bancos e instituciones financieras | 47,215 | 383,369 | (3,341,371) | 701,756 | 1,973,071 | 3,137,446 | (1,804,801) | 124,569 | +12.9% |
| Disminución (aumento) neto en la cartera de créditos | (7,383,860) | (6,425,959) | (19,427,190) | (8,115,371) | (5,101,842) | (448,582) | (3,812,259) | (13,539,213) | — |
| Otros pagos relativos a la actividad de financiamiento | 0 | 0 | 0 | 0 | 0 | 0 | 0 | (3,044,950) | — |
| Dividendos pagados | (1,462,734) | (2,047,475) | (1,303,739) | (42,056) | (2,121,115) | (2,690,410) | (4,478,340) | (4,746,885) | — |
| Otros pagos relativos a la actividad de financiamiento | 0 | 0 | 0 | 0 | 0 | 0 | (111,384) | (229,597) | — |
| Flujos de efectivo y equivalentes de efectivo neto de Actividades de Financiamiento | 5,037,597 | (2,563,121) | 18,518,573 | (13,467,552) | (13,776,181) | (2,386,644) | 6,141,894 | (4,112,531) | — |
| Aumento neto (disminución) en efectivo y equivalente de efectivo antes de las variaciones en el tipo de cambio | 7,784,988 | 4,087,982 | 7,483,860 | 11,399 | (2,640,362) | 171,870 | 13,264,724 | 4,441,588 | -6.8% |
| Efecto de las variaciones en el tipo de cambio en el efectivo y equivalente de efectivo | (545,572) | (348,567) | 1,903,232 | 2,317,912 | (1,371,627) | (833,406) | 573,700 | (4,079,861) | — |
| Aumento (Disminución) Neto de Efectivo y Equivalente al Efectivo | 7,239,416 | 3,739,415 | 9,387,092 | 2,329,311 | (4,011,989) | (661,536) | 13,838,424 | 361,727 | -31.2% |
| EFECTIVO Y EQUIVALENTE AL INICIO DEL EJERCICIO | 14,460,383 | 19,901,542 | 23,640,957 | 33,028,049 | 35,357,360 | 31,345,371 | 30,683,835 | 44,522,259 | +15.1% |
| EFECTIVO Y EQUIVALENTE AL FINALIZAR EL EJERCICIO | 21,699,799 | 23,640,957 | 33,028,049 | 35,357,360 | 31,345,371 | 30,683,835 | 44,522,259 | 44,883,986 | +9.5% |
Análisis vertical (% Activos / % Ingresos) — serie 2017–2025
| Cuenta | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Disponibles | 36.4% | 29.0% | 28.0% | 30.5% | 27.5% | 26.3% | 33.6% | 33.3% |
| Fondos interbancarios | 0.2% | 0.1% | 0.0% | 0.0% | 0.2% | 0.0% | 0.0% | 0.0% |
| Inversiones a valor razonable con cambios en resultados | 2.7% | 0.0% | 1.8% | 1.1% | 0.0% | 0.3% | 0.4% | 0.5% |
| Inversiones disponibles para la venta | 15.2% | 15.4% | 24.1% | 16.3% | 13.4% | 17.6% | 17.2% | 16.0% |
| Inversiones a vencimiento | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Derivados para negociación | 0.5% | 0.8% | 0.7% | 1.1% | 0.9% | 0.6% | 0.5% | 0.8% |
| Derivados de cobertura | 0.3% | 0.1% | 0.0% | 0.1% | 0.1% | 0.1% | 0.0% | 0.0% |
| Cartera de créditos (neto) | 43.8% | 52.7% | 43.8% | 49.5% | 56.6% | 53.1% | 46.6% | 47.3% |
| Cartera de créditos vigentes | 39.0% | 48.0% | 38.7% | 43.4% | 49.8% | 46.1% | 41.3% | 42.8% |
| Cartera de créditos reestructurados | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cartera de créditos refinanciados | 1.1% | 1.3% | 1.3% | 1.5% | 1.8% | 2.0% | 1.6% | 1.3% |
| Cartera de créditos vencidos | 2.1% | 2.1% | 2.5% | 2.9% | 3.0% | 3.3% | 2.0% | 1.5% |
| Cartera de créditos en cobranza judicial | 1.6% | 1.3% | 1.2% | 1.7% | 1.9% | 1.7% | 1.7% | 1.7% |
| Cuentas por cobrar por operaciones de seguros (neto) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cuentas por cobrar a reaseguradores y coaseguradores (neto) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Activos por reservas técnicas a cargo de reaseguradoras | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cuentas por cobrar (neto) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cuentas por cobrar diversas (neto) | 0.8% | 0.9% | 0.7% | 0.6% | 0.7% | 1.2% | 1.0% | 1.1% |
| Impuestos a las ganancias corrientes | 0.0% | 0.0% | 0.2% | 0.2% | 0.0% | 0.0% | 0.0% | 0.0% |
| Activos no corrientes mantenidos para la venta | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Otros activos (netos) | 0.2% | 1.0% | 0.7% | 0.7% | 0.7% | 0.8% | 0.6% | 0.9% |
| TOTAL ACTIVO CORRIENTE | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Cartera de créditos (neto) | 66.7% | 56.1% | 52.0% | 57.2% | 55.4% | 52.4% | 44.7% | 44.4% |
| Cuentas por cobrar (neto) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cuentas por cobrar diversas (neto) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Bienes realizables, recibidos en pago, adjudicados | 0.1% | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Participaciones en asociadas y negocios conjuntos | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Inversiones a vencimiento | 5.2% | 3.7% | 4.0% | 6.5% | 8.1% | 7.7% | 5.7% | 5.5% |
| Propiedades de Inversión | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Inmuebles, mobiliario y equipo (neto) | 1.8% | 1.4% | 1.0% | 1.0% | 1.0% | 1.0% | 0.9% | 0.9% |
| Activo intangible (neto) distinto a la plusvalía | 1.1% | 1.2% | 1.0% | 1.2% | 1.4% | 1.5% | 1.4% | 1.5% |
| Plusvalía | 0.4% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| Impuestos a las ganancias diferidas | 0.6% | 0.4% | 0.9% | 0.8% | 0.9% | 0.9% | 0.8% | 0.8% |
| Otros activos (netos) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| TOTAL ACTIVO NO CORRIENTE | 75.9% | 63.3% | 59.2% | 66.9% | 67.0% | 63.8% | 53.8% | 53.3% |
| TOTAL ACTIVO | 175.9% | 163.3% | 159.2% | 166.9% | 167.0% | 163.8% | 153.8% | 153.3% |
| Cuentas Contingentes Deudoras | 68.1% | 123.6% | 93.8% | 115.6% | 121.4% | 118.3% | 102.8% | 93.6% |
| Cuentas de Orden Deudoras | 357.9% | 249.0% | 274.8% | 282.7% | 282.1% | 244.1% | 194.1% | 183.7% |
| Obligaciones con el público | 106.3% | 105.0% | 102.5% | 108.8% | 112.3% | 111.2% | 107.3% | 109.5% |
| Fondos interbancarios | 0.7% | 0.2% | 0.0% | 0.0% | 0.0% | 0.3% | 0.3% | 0.0% |
| Depósitos de empresas del sistema financiero y organismos financieros internacionales | 2.0% | 2.8% | 1.1% | 2.7% | 1.3% | 1.7% | 1.4% | 0.8% |
| Adeudados y obligaciones financieras | 5.8% | 7.7% | 2.1% | 2.7% | 5.0% | 8.0% | 5.5% | 2.7% |
| Derivados para negociación | 0.5% | 0.8% | 0.6% | 1.1% | 0.9% | 0.6% | 0.5% | 0.6% |
| Derivados de cobertura | 0.2% | 0.1% | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cuentas por pagar a intermediarios, comercializadores y auxiliares | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cuentas por pagar a asegurados | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cuentas por pagar a reaseguradores y coaseguradores (neto) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Reservas técnicas por siniestros | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cuentas por pagar | 14.4% | 5.7% | 1.9% | 1.3% | 4.2% | 4.2% | 3.1% | 3.7% |
| Cuentas por pagar diversas | 0.7% | 0.7% | 0.7% | 0.6% | 0.9% | 1.5% | 1.5% | 1.4% |
| Provisiones | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Impuestos a las ganancias corrientes | 0.0% | 0.2% | 0.1% | 0.0% | 0.5% | 0.2% | 0.3% | 0.2% |
| Otros pasivos | 0.9% | 0.7% | 0.4% | 0.5% | 0.7% | 0.8% | 0.9% | 1.1% |
| TOTAL PASIVO CORRIENTE | 131.6% | 124.0% | 109.3% | 117.7% | 125.9% | 128.6% | 120.7% | 120.0% |
| Adeudos y obligaciones financieras | 23.5% | 17.2% | 14.0% | 15.1% | 14.6% | 11.2% | 11.8% | 12.3% |
| Reservas técnicas por primas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Reservas técnicas por siniestros | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Cuentas por pagar | 0.0% | 0.6% | 19.5% | 15.8% | 6.1% | 2.6% | 2.2% | 0.6% |
| Cuentas por pagar diversas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Provisiones | 0.8% | 0.6% | 0.6% | 0.7% | 0.7% | 0.6% | 0.5% | 0.4% |
| Impuestos a las ganancias diferidas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Otros pasivos | 0.6% | 0.4% | 0.3% | 0.3% | 0.4% | 0.2% | 0.2% | 0.6% |
| TOTAL PASIVO NO CORRIENTE | 24.8% | 18.8% | 34.4% | 31.9% | 21.7% | 14.6% | 14.7% | 13.9% |
| TOTAL PASIVO | 156.4% | 142.7% | 143.7% | 149.6% | 147.6% | 143.1% | 135.3% | 134.0% |
| Capital social | 10.0% | 11.1% | 9.0% | 9.5% | 10.7% | 11.1% | 9.6% | 9.1% |
| Prima de emisión | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Acciones en tesorería | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Reservas | 4.9% | 5.1% | 5.0% | 5.4% | 5.7% | 5.3% | 4.3% | 4.1% |
| Resultados acumulados | 4.2% | 4.0% | 0.7% | 2.6% | 4.0% | 4.6% | 4.9% | 5.9% |
| Ajustes al patrimonio | 0.1% | 0.3% | 0.6% | -0.4% | -1.0% | -0.6% | -0.3% | 0.2% |
| Patrimonio Atribuible a los Propietarios de la Controladora | 19.3% | 20.5% | 15.3% | 17.2% | 19.3% | 20.5% | 18.4% | 19.2% |
| Participaciones no controladoras | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| TOTAL PATRIMONIO | 19.5% | 20.6% | 15.4% | 17.3% | 19.4% | 20.6% | 18.5% | 19.3% |
| TOTAL PASIVO Y PATRIMONIO | 175.9% | 163.3% | 159.2% | 166.9% | 167.0% | 163.8% | 153.8% | 153.3% |
| Cuentas Contingentes Acreedoras | 68.1% | 123.6% | 93.8% | 115.6% | 121.4% | 118.3% | 102.8% | 93.6% |
| Cuentas de Orden Acreedoras | 357.9% | 249.0% | 274.8% | 282.7% | 282.1% | 244.1% | 194.1% | 183.7% |
| INGRESOS DE ACTIVIDADES ORDINARIAS | 100.0% | 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% | 100.0% |
| Ingresos por primas y aportes ganados (netos) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Ingresos de operación | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| COSTOS OPERACIONALES | -27.2% | -25.8% | -23.6% | -19.1% | -21.4% | -27.0% | -24.5% | -21.6% |
| Gastos por intereses | -27.2% | -25.8% | -23.6% | -19.1% | -21.4% | -27.0% | -24.5% | -21.6% |
| Siniestros y prestaciones Incurridas (neto) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Ajuste de reservas para riesgos catastróficos | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Costo de operación | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| MARGEN BRUTO | 72.8% | 74.2% | 76.4% | 80.9% | 78.6% | 73.0% | 75.5% | 78.4% |
| Provisión para créditos | -17.2% | -16.4% | -48.9% | -19.1% | -15.2% | -20.9% | -19.8% | -12.8% |
| MARGEN BRUTO DESPUÉS DE PROVISIONES | 55.5% | 57.8% | 27.5% | 61.7% | 63.4% | 52.1% | 55.8% | 65.6% |
| Comisiones (netas) | 23.9% | 23.8% | 21.9% | 27.8% | 23.3% | 18.7% | 19.6% | 20.6% |
| Ingresos (egresos) técnicos diversos (neto) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Resultado por operaciones financieras (ROF) | 8.1% | 8.2% | 7.9% | 9.6% | 7.5% | 6.1% | 6.9% | 8.9% |
| Gastos de administración | -45.1% | -45.5% | -46.2% | -55.7% | -46.9% | -39.9% | -42.2% | -44.4% |
| Gastos de ventas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Valuación de activos y otras provisiones | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| RESULTADO DE OPERACIÓN | 42.4% | 44.3% | 11.2% | 43.5% | 47.4% | 37.1% | 40.2% | 50.7% |
| Ingresos financieros | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Gastos financieros | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Otros Ingresos y gastos | 0.4% | 1.1% | -1.7% | -0.6% | 0.1% | 0.4% | 0.2% | -0.3% |
| Resultado antes de impuesto a las ganancias | 42.8% | 45.4% | 9.5% | 42.9% | 47.5% | 37.5% | 40.4% | 50.5% |
| Gasto por impuesto a las ganancias | -11.7% | -12.2% | -1.5% | -11.8% | -12.8% | -9.2% | -10.4% | -13.3% |
| Resultado neto de operaciones continuadas | 31.2% | 33.3% | 8.0% | 31.1% | 34.6% | 28.2% | 30.0% | 37.2% |
| Ganancia (Pérdida) neta del impuesto a las ganancias procedente de operaciones discontinuadas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Resultado neto del ejercicio | 31.2% | 33.3% | 8.0% | 31.1% | 34.6% | 28.2% | 30.0% | 37.2% |
| Propietarios de la controladora | 30.9% | 33.1% | 8.0% | 31.1% | 34.5% | 28.2% | 29.9% | 37.0% |
| Participaciones no controladoras | 0.2% | 0.2% | -0.0% | 0.1% | 0.2% | 0.1% | 0.1% | 0.2% |
| Básica por acción común en operaciones continuadas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Básica por acción común en operaciones discontinuadas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Ganancia (pérdida) básica por acción común | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Diluida por acción común en operaciones continuadas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Diluida por acción común en operaciones discontinuadas | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Ganancia (pérdida) diluida por acción común | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Ratios financieros — serie 2017–2025
Sin datos disponibles.
Memoria anual — pendiente (solo disponible para Alicorp por ahora, ver STATUS.md de valora-ai).