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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	186.9	172.36	158.09	133.77	99.7
Total Interest Income	186.9	172.36	158.09	133.77	99.7
Interest Paid on Deposits	34.9	42.04	38.65	25.01	18.43
Total Interest Expense	34.9	42.04	38.65	25.01	18.43
Net Interest Income	152	130.33	119.44	108.76	81.28
Net Interest Income Growth (YoY)	16.63%	9.12%	9.82%	33.82%	-5.97%
Gain (Loss) on Sale of Assets	0.36	0.62	1.66	1.11	0.36
Gain (Loss) on Sale of Investments	-0.11	-0.12	-	-	-
Other Non-Interest Income	1.99	3.67	2.71	0.82	-0.9
Total Non-Interest Income	2.24	4.17	4.36	1.93	-0.54
Non-Interest Income Growth (YoY)	-46.20%	-4.43%	125.91%	-	-
Revenues Before Loan Losses	154.24	134.5	123.8	110.69	80.74
Provision for Loan Losses	40.15	47.47	38.65	26.96	17.5
Revenue	114.09	87.03	85.15	83.73	63.24
Revenue Growth (YoY)	31.09%	2.20%	1.69%	32.41%	71.24%
Occupancy Expenses	3.28	2.33	2.38	2.34	3.24
Selling, General & Administrative	92.5	82.99	74.05	75.14	67.68
Other Non-Interest Expense	8.42	4.09	5.55	2.78	5.32
Total Non-Interest Expense	104.18	89.43	81.9	80.14	76.23
EBT Excluding Unusual Items	9.91	-2.41	3.25	3.6	-12.99
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.