Caja Rural de Ahorro y Crédito Los Andes S.A. (BVL:CRANDEC1)
Peru · Delayed Price · Currency is PEN 1.320
0.00 (0.00%)
At close: Jun 2, 2026
BVL:CRANDEC1 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 | 189.69 | 186.9 | 172.36 | 158.09 | 133.77 | 99.7 |
Interest Income on Investments | -0.03 | - | - | - | - | - |
Total Interest Income | 189.67 | 186.9 | 172.36 | 158.09 | 133.77 | 99.7 |
Interest Paid on Deposits | 34.35 | 34.9 | 42.04 | 38.65 | 25.01 | 18.43 |
Interest Paid on Borrowings | -0.07 | - | - | - | - | - |
Total Interest Expense | 34.28 | 34.9 | 42.04 | 38.65 | 25.01 | 18.43 |
Net Interest Income | 155.39 | 152 | 130.33 | 119.44 | 108.76 | 81.28 |
Net Interest Income Growth (YoY) | 19.23% | 16.63% | 9.12% | 9.82% | 33.82% | -5.97% |
Gain (Loss) on Sale of Assets | 0.36 | 0.36 | 0.62 | 1.66 | 1.11 | 0.36 |
Gain (Loss) on Sale of Investments | -0.11 | -0.11 | -0.12 | - | - | - |
Other Non-Interest Income | 3.06 | 1.99 | 3.67 | 2.71 | 0.82 | -0.9 |
Total Non-Interest Income | 3.31 | 2.24 | 4.17 | 4.36 | 1.93 | -0.54 |
Non-Interest Income Growth (YoY) | -20.64% | -46.20% | -4.43% | 125.91% | - | - |
Revenues Before Loan Losses | 158.69 | 154.24 | 134.5 | 123.8 | 110.69 | 80.74 |
Provision for Loan Losses | 38.82 | 40.15 | 47.47 | 38.65 | 26.96 | 17.5 |
| 119.88 | 114.09 | 87.03 | 85.15 | 83.73 | 63.24 | |
Revenue Growth (YoY) | 37.74% | 31.09% | 2.20% | 1.69% | 32.41% | 71.24% |
Salaries and Employee Benefits | 2.19 | - | - | - | - | - |
Occupancy Expenses | 3.35 | 3.28 | 2.33 | 2.38 | 2.34 | 3.24 |
Federal Deposit Insurance | 0.51 | - | - | - | - | - |
Selling, General & Administrative | 94.26 | 92.5 | 82.99 | 74.05 | 75.14 | 67.68 |
Other Non-Interest Expense | 8.4 | 8.42 | 4.09 | 5.55 | 2.78 | 5.32 |
Total Non-Interest Expense | 108.68 | 104.18 | 89.43 | 81.9 | 80.14 | 76.23 |
EBT Excluding Unusual Items | 11.2 | 9.91 | -2.41 | 3.25 | 3.6 | -12.99 |
Legal Settlements | -0.11 | -0.15 | -0.16 | -0.09 | -0.17 | -0.42 |
Pretax Income | 11.09 | 9.76 | -2.5 | 3.17 | 3.61 | -13.41 |
Income Tax Expense | 8.14 | 7.74 | 1.96 | 2.14 | 1.1 | -3.74 |
Net Income | 2.95 | 2.01 | -4.45 | 1.02 | 2.51 | -9.67 |
Net Income to Common | 2.95 | 2.01 | -4.45 | 1.02 | 2.51 | -9.67 |
Net Income Growth | - | - | - | -59.39% | - | - |
Basic Shares Outstanding | 110 | 110 | 74 | 74 | 74 | 74 |
Diluted Shares Outstanding | 110 | 110 | 74 | 74 | 74 | 74 |
Shares Change (YoY) | 49.33% | 49.33% | - | - | - | - |
EPS (Basic) | 0.03 | 0.02 | -0.06 | 0.01 | 0.03 | -0.13 |
EPS (Diluted) | 0.03 | 0.02 | -0.06 | 0.01 | 0.03 | -0.13 |
EPS Growth | - | - | - | -59.39% | - | - |
Effective Tax Rate | 73.36% | 79.36% | - | 67.74% | 30.34% | - |