Caja Rural de Ahorro y Crédito Los Andes S.A. (BVL:CRANDEC1)

BVL:CRANDEC1 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	183.23	172.36	158.09	133.77	99.7	109.18
Interest Income on Investments	0.34	-	-	-	-	-
Total Interest Income	183.57	172.36	158.09	133.77	99.7	109.18
Interest Paid on Deposits	36.15	42.04	38.65	25.01	18.43	22.74
Interest Paid on Borrowings	-0.16	-	-	-	-	-
Total Interest Expense	35.99	42.04	38.65	25.01	18.43	22.74
Net Interest Income	147.58	130.33	119.44	108.76	81.28	86.44
Net Interest Income Growth (YoY)	20.43%	9.12%	9.82%	33.82%	-5.97%	-21.98%
Gain (Loss) on Sale of Assets	0.62	0.62	1.66	1.11	0.36	0.18
Gain (Loss) on Sale of Investments	-0.13	-0.12	-	-	-	-0.76
Other Non-Interest Income	3.72	3.67	2.71	0.82	-0.9	-2.09
Total Non-Interest Income	4.21	4.17	4.36	1.93	-0.54	-2.67
Non-Interest Income Growth (YoY)	-13.64%	-4.43%	125.91%	-	-	-
Revenues Before Loan Losses	151.79	134.5	123.8	110.69	80.74	83.76
Provision for Loan Losses	42.28	47.47	38.65	26.96	17.5	46.84
Revenue	109.51	87.03	85.15	83.73	63.24	36.93
Revenue Growth (YoY)	22.60%	2.20%	1.69%	32.41%	71.24%	-43.63%
Salaries and Employee Benefits	4.47	-	-	-	-	-
Occupancy Expenses	3.01	2.33	2.38	2.34	3.24	3.89
Federal Deposit Insurance	1.52	-	-	-	-	-
Selling, General & Administrative	84.88	82.99	74.05	75.14	67.68	60.97
Other Non-Interest Expense	8.59	4.09	5.55	2.78	5.32	-0.85
Total Non-Interest Expense	102.45	89.43	81.9	80.14	76.23	64
EBT Excluding Unusual Items	7.06	-2.41	3.25	3.6	-12.99	-27.07
Legal Settlements	-0.14	-0.16	-0.09	-0.17	-0.42	-0.01
Pretax Income	6.99	-2.5	3.17	3.61	-13.41	-27.08
Income Tax Expense	3.63	1.96	2.14	1.1	-3.74	-7.56
Net Income	3.35	-4.45	1.02	2.51	-9.67	-19.52
Net Income to Common	3.35	-4.45	1.02	2.51	-9.67	-19.52
Net Income Growth	77.30%	-	-59.39%	-	-	-
Basic Shares Outstanding	110	74	74	74	74	74
Diluted Shares Outstanding	110	74	74	74	74	74
Shares Change (YoY)	49.33%	-	-	-	-	32.68%
EPS (Basic)	0.03	-0.06	0.01	0.03	-0.13	-0.26
EPS (Diluted)	0.03	-0.06	0.01	0.03	-0.13	-0.26
EPS Growth	18.73%	-	-59.39%	-	-	-
Effective Tax Rate	52.03%	-	67.74%	30.34%	-	-

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