Banco Pichincha Income Statement

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

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	732.37	783.54	917.84	1,066	983.05	843.9
Interest Income on Investments	95.63	95.02	111.19	83.01	43.61	11.96
Total Interest Income	828.01	878.56	1,029	1,149	1,027	855.85
Interest Paid on Deposits	177.6	245.99	356.5	390.77	226.5	157.75
Interest Paid on Borrowings	146.89	95.09	110.4	132.88	116.93	110.5
Total Interest Expense	324.48	341.08	466.9	523.65	343.44	268.25
Net Interest Income	503.53	537.48	562.13	625.57	683.22	587.6
Net Interest Income Growth (YoY)	-11.86%	-4.38%	-10.14%	-8.44%	16.27%	8.78%
Gain (Loss) on Sale of Assets	4.82	4.82	12.05	30.42	-0.99	-
Gain (Loss) on Sale of Investments	24.12	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	117.77	118.8	128.62	181.77	127.1	130.53
Total Non-Interest Income	165.45	166.51	165.55	233.71	130.28	151.46
Non-Interest Income Growth (YoY)	13.94%	0.58%	-29.16%	79.38%	-13.98%	28.68%
Revenues Before Loan Losses	668.98	704	727.68	859.27	813.5	739.06
Provision for Loan Losses	333.04	401.16	605.32	485.2	401.22	442.22
Revenue	335.94	302.84	122.37	374.07	412.28	296.85
Revenue Growth (YoY)	69.81%	147.49%	-67.29%	-9.27%	38.89%	-18.82%
Salaries and Employee Benefits	121.87	126.41	159.51	172.52	166.34	197.34
Occupancy Expenses	17.69	17.6	19.07	15.99	15.24	18.59
Selling, General & Administrative	93	97.45	120.74	143.91	157.85	183.73
Other Non-Interest Expense	42.09	8.81	11.78	45.57	65.49	46.08
Total Non-Interest Expense	269.45	242.08	315.12	378.88	410.84	448.29
EBT Excluding Unusual Items	66.49	60.76	-192.75	-4.8	1.44	-151.44
Legal Settlements	-16.36	-16.13	-15.01	-7.78	-0.95	-0.53
Other Unusual Items	4.44	4.92	124.73	10.13	7.45	14.39
Pretax Income	54.59	49.61	-83.02	-2.46	7.94	-137.58
Income Tax Expense	2.68	-5.45	-24.41	-3.09	2.88	-33.46
Earnings From Continuing Operations	51.91	55.06	-58.61	0.63	5.06	-104.11
Minority Interest in Earnings	-	-	-	-	-	6.34
Net Income	51.91	55.06	-58.61	0.63	5.06	-97.77
Preferred Dividends & Other Adjustments	0	0	-	-	-	-
Net Income to Common	51.91	55.06	-58.61	0.63	5.06	-97.77
Net Income Growth	-	-	-	-87.53%	-	-
Basic Shares Outstanding	1,349	1,333	1,257	1,188	1,024	882
Diluted Shares Outstanding	1,349	1,333	1,257	1,188	1,024	882
Shares Change (YoY)	6.86%	6.01%	5.85%	16.00%	16.05%	2.53%
EPS (Basic)	0.04	0.04	-0.05	0.00	0.00	-0.11
EPS (Diluted)	0.04	0.04	-0.05	0.00	0.00	-0.11
EPS Growth	-	-	-	-89.25%	-	-
Effective Tax Rate	4.92%	-	-	-	36.29%	-

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