Banco Pichincha S.A.A. (BVL:BPICHC1)

Banco Pichincha Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	821.57	917.84	1,066	983.05	843.9	841.01
Interest Income on Investments	101.9	111.19	83.01	43.61	11.96	18.08
Total Interest Income	923.47	1,029	1,149	1,027	855.85	859.09
Interest Paid on Deposits	264.3	356.5	390.77	226.5	157.75	206.62
Interest Paid on Borrowings	101.23	109.99	132.88	116.93	110.5	112.28
Total Interest Expense	365.53	466.5	523.65	343.44	268.25	318.9
Net Interest Income	557.94	562.53	625.57	683.22	587.6	540.19
Net Interest Income Growth (YoY)	0.09%	-10.08%	-8.44%	16.27%	8.78%	-12.39%
Gain (Loss) on Sale of Assets	22.44	12.05	30.42	-0.99	-	-
Gain (Loss) on Sale of Investments	-0.67	-1.57	-0.96	-1.32	-1.32	-5.32
Gain (Loss) on Sale of Equity Investments	-0	-	-	-0.09	0.62	0.07
Other Non-Interest Income	133.6	128.22	181.77	127.1	130.53	116.96
Total Non-Interest Income	181.82	165.15	233.71	130.28	151.46	117.7
Non-Interest Income Growth (YoY)	-11.05%	-29.34%	79.38%	-13.98%	28.68%	-5.84%
Revenues Before Loan Losses	739.76	727.68	859.27	813.5	739.06	657.89
Provision for Loan Losses	459.6	605.32	485.2	401.22	442.22	292.22
Revenue	280.16	122.37	374.07	412.28	296.85	365.67
Revenue Growth (YoY)	82.27%	-67.29%	-9.27%	38.89%	-18.82%	-19.50%
Salaries and Employee Benefits	136.48	159.51	172.52	166.34	197.34	175.73
Occupancy Expenses	19.02	19.07	15.99	15.24	18.59	18.6
Selling, General & Administrative	112.73	123.49	143.91	157.85	183.73	172.76
Other Non-Interest Expense	13.77	11.78	45.57	65.49	46.08	24.21
Total Non-Interest Expense	275.87	317.87	378.88	410.84	448.29	393.34
EBT Excluding Unusual Items	4.3	-195.5	-4.8	1.44	-151.44	-27.67
Legal Settlements	-7.32	-12.26	-7.78	-0.95	-0.53	-0.52
Other Unusual Items	1.78	124.73	10.13	7.45	14.39	6.41
Pretax Income	-1.25	-83.02	-2.46	7.94	-137.58	-21.78
Income Tax Expense	-16.36	-24.41	-3.09	2.88	-33.46	0.32
Earnings From Continuing Operations	15.11	-58.61	0.63	5.06	-104.11	-22.09
Minority Interest in Earnings	-	-	-	-	6.34	-0.64
Net Income	15.11	-58.61	0.63	5.06	-97.77	-22.74
Net Income to Common	15.11	-58.61	0.63	5.06	-97.77	-22.74
Net Income Growth	-	-	-87.53%	-	-	-
Basic Shares Outstanding	-	1,257	1,188	1,024	882	861
Diluted Shares Outstanding	-	1,257	1,188	1,024	882	861
Shares Change (YoY)	-	5.85%	16.00%	16.05%	2.53%	21.59%
EPS (Basic)	-	-0.05	0.00	0.00	-0.11	-0.03
EPS (Diluted)	-	-0.05	0.00	0.00	-0.11	-0.03
EPS Growth	-	-	-89.25%	-	-	-
Effective Tax Rate	-	-	-	36.29%	-	-

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