Banco Pichincha Income Statement

Financials in millions PEN. Fiscal year is January - December.

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	783.54	917.84	1,066	983.05	843.9
Interest Income on Investments	95.02	111.19	83.01	43.61	11.96
Total Interest Income	878.56	1,029	1,149	1,027	855.85
Interest Paid on Deposits	245.99	356.5	390.77	226.5	157.75
Interest Paid on Borrowings	95.09	110.4	132.88	116.93	110.5
Total Interest Expense	341.08	466.9	523.65	343.44	268.25
Net Interest Income	537.48	562.13	625.57	683.22	587.6
Net Interest Income Growth (YoY)	-4.38%	-10.14%	-8.44%	16.27%	8.78%
Gain (Loss) on Sale of Assets	4.82	12.05	30.42	-0.99	-
Gain (Loss) on Sale of Investments	24.16	-1.57	-0.96	-1.32	-1.32
Gain (Loss) on Sale of Equity Investments	-	-	-	-0.09	0.62
Other Non-Interest Income	118.8	128.62	181.77	127.1	130.53
Total Non-Interest Income	166.51	165.55	233.71	130.28	151.46
Non-Interest Income Growth (YoY)	0.58%	-29.16%	79.38%	-13.98%	28.68%
Revenues Before Loan Losses	704	727.68	859.27	813.5	739.06
Provision for Loan Losses	401.16	605.32	485.2	401.22	442.22
Revenue	302.84	122.37	374.07	412.28	296.85
Revenue Growth (YoY)	147.49%	-67.29%	-9.27%	38.89%	-18.82%
Salaries and Employee Benefits	126.41	159.51	172.52	166.34	197.34
Occupancy Expenses	17.6	19.07	15.99	15.24	18.59
Selling, General & Administrative	97.45	120.74	143.91	157.85	183.73
Other Non-Interest Expense	8.81	11.78	45.57	65.49	46.08
Total Non-Interest Expense	242.08	315.12	378.88	410.84	448.29
EBT Excluding Unusual Items	60.76	-192.75	-4.8	1.44	-151.44
Legal Settlements	-16.13	-15.01	-7.78	-0.95	-0.53
Other Unusual Items	4.92	124.73	10.13	7.45	14.39
Pretax Income	49.61	-83.02	-2.46	7.94	-137.58
Income Tax Expense	-5.45	-24.41	-3.09	2.88	-33.46
Earnings From Continuing Operations	55.06	-58.61	0.63	5.06	-104.11
Minority Interest in Earnings	-	-	-	-	6.34
Net Income	55.06	-58.61	0.63	5.06	-97.77
Preferred Dividends & Other Adjustments	0	-	-	-	-
Net Income to Common	55.06	-58.61	0.63	5.06	-97.77
Net Income Growth	-	-	-87.53%	-	-
Basic Shares Outstanding	1,333	1,257	1,188	1,024	882
Diluted Shares Outstanding	1,333	1,257	1,188	1,024	882
Shares Change (YoY)	6.01%	5.85%	16.00%	16.05%	2.53%
EPS (Basic)	0.04	-0.05	0.00	0.00	-0.11
EPS (Diluted)	0.04	-0.05	0.00	0.00	-0.11
EPS Growth	-	-	-89.25%	-	-
Effective Tax Rate	-	-	-	36.29%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.