BVL:CRANDEC1 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	184.31	172.36	158.09	133.77	99.7
Interest Income on Investments	2.59	-	-	-	-
Total Interest Income	186.9	172.36	158.09	133.77	99.7
Interest Paid on Deposits	34.74	42.04	38.65	25.01	18.43
Interest Paid on Borrowings	0.12	-	-	-	-
Total Interest Expense	34.86	42.04	38.65	25.01	18.43
Net Interest Income	152.04	130.33	119.44	108.76	81.28
Net Interest Income Growth (YoY)	16.66%	9.12%	9.82%	33.82%	-5.97%
Gain (Loss) on Sale of Assets	-	0.62	1.66	1.11	0.36
Gain (Loss) on Sale of Investments	-	-0.12	-	-	-
Other Non-Interest Income	6.99	3.67	2.71	0.82	-0.9
Total Non-Interest Income	6.99	4.17	4.36	1.93	-0.54
Non-Interest Income Growth (YoY)	67.65%	-4.43%	125.91%	-	-
Revenues Before Loan Losses	159.03	134.5	123.8	110.69	80.74
Provision for Loan Losses	40.15	47.47	38.65	26.96	17.5
Revenue	118.88	87.03	85.15	83.73	63.24
Revenue Growth (YoY)	36.59%	2.20%	1.69%	32.41%	71.24%
Salaries and Employee Benefits	65.78	-	-	-	-
Occupancy Expenses	3.28	2.33	2.38	2.34	3.24
Federal Deposit Insurance	5.04	-	-	-	-
Selling, General & Administrative	26.73	82.99	74.05	75.14	67.68
Other Non-Interest Expense	8.06	4.09	5.55	2.78	5.32
Total Non-Interest Expense	108.86	89.43	81.9	80.14	76.23
EBT Excluding Unusual Items	10.01	-2.41	3.25	3.6	-12.99
Asset Writedown	-0.11	-	-	-	-
Legal Settlements	-0.15	-0.16	-0.09	-0.17	-0.42
Pretax Income	9.76	-2.5	3.17	3.61	-13.41
Income Tax Expense	7.74	1.96	2.14	1.1	-3.74
Net Income	2.01	-4.45	1.02	2.51	-9.67
Net Income to Common	2.01	-4.45	1.02	2.51	-9.67
Net Income Growth	-	-	-59.39%	-	-
Basic Shares Outstanding	110	74	74	74	74
Diluted Shares Outstanding	110	74	74	74	74
Shares Change (YoY)	49.33%	-	-	-	-
EPS (Basic)	0.02	-0.06	0.01	0.03	-0.13
EPS (Diluted)	0.02	-0.06	0.01	0.03	-0.13
EPS Growth	-	-	-59.39%	-	-
Effective Tax Rate	79.36%	-	67.74%	30.34%	-

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