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	Jun '26 Jun 30, 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	689.86	783.54	917.84	1,066	983.05	843.9
Interest Income on Investments	97.61	95.02	111.19	83.01	43.61	11.96
Total Interest Income	787.48	878.56	1,029	1,149	1,027	855.85
Interest Paid on Deposits	223.55	245.99	356.5	390.77	226.5	157.75
Interest Paid on Borrowings	86.58	95.09	110.4	132.88	116.93	110.5
Total Interest Expense	310.13	341.08	466.9	523.65	343.44	268.25
Net Interest Income	477.35	537.48	562.13	625.57	683.22	587.6
Net Interest Income Growth	-15.94%	-4.38%	-10.14%	-8.44%	16.27%	8.78%
Gain (Loss) on Sale of Assets	14.54	4.82	12.05	30.42	-0.99	-
Gain (Loss) on Sale of Investments	24.16	24.16	-1.57	-0.96	-1.32	-1.32
Gain (Loss) on Sale of Equity Investments	-0.05	-	-	-	-0.09	0.62
Other Non-Interest Income	88.27	118.8	128.62	181.77	127.1	130.53
Total Non-Interest Income	145.69	166.51	165.55	233.71	130.28	151.46
Non-Interest Income Growth	-10.78%	0.58%	-29.16%	79.38%	-13.98%	28.68%
Revenues Before Loan Losses	623.04	704	727.68	859.27	813.5	739.06
Provision for Loan Losses	250.56	401.16	605.32	485.2	401.22	442.22
Revenue	372.49	302.84	122.37	374.07	412.28	296.85
Revenue Growth	44.23%	147.49%	-67.29%	-9.27%	38.89%	-18.82%
Salaries and Employee Benefits	123.33	126.41	159.51	172.52	166.34	197.34
Occupancy Expenses	18.17	17.6	19.07	15.99	15.24	18.59
Selling, General & Administrative	88.35	97.45	120.74	143.91	157.85	183.73
Other Non-Interest Expense	65.96	8.81	11.78	45.57	65.49	46.08
Total Non-Interest Expense	294.54	242.08	315.12	378.88	410.84	448.29
EBT Excluding Unusual Items	77.94	60.76	-192.75	-4.8	1.44	-151.44
Legal Settlements	-16.42	-16.13	-15.01	-7.78	-0.95	-0.53
Other Unusual Items	6.48	4.92	124.73	10.13	7.45	14.39
Pretax Income	68.07	49.61	-83.02	-2.46	7.94	-137.58
Income Tax Expense	14.71	-5.45	-24.41	-3.09	2.88	-33.46
Earnings From Continuing Operations	53.37	55.06	-58.61	0.63	5.06	-104.11
Minority Interest in Earnings	-	-	-	-	-	6.34
Net Income	53.37	55.06	-58.61	0.63	5.06	-97.77
Preferred Dividends & Other Adjustments	0	0	-	-	-	-
Net Income to Common	53.36	55.06	-58.61	0.63	5.06	-97.77
Net Income Growth	-	-	-	-87.53%	-	-
Basic Shares Outstanding	1,353	1,333	1,257	1,188	1,024	882
Diluted Shares Outstanding	1,353	1,333	1,257	1,188	1,024	882
Shares Change	4.66%	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%	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Effective Tax Rate	21.60%	-	-	-	36.29%	-