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

CRANDEC1 Balance Sheet

Financials in millions PEN. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Mar 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	42.55	46.83	26.28	29.59	25.39	67.93
Investment Securities	6.88	4.68	5.06	2.41	6.49	5.72
Trading Asset Securities	-	-	-	-	-	2.09
Total Investments	6.88	4.68	5.06	2.41	6.49	7.81
Gross Loans	589	561.21	521.38	457.78	403.96	457.23
Allowance for Loan Losses	-59.6	-51.4	-53.96	-65.57	-77.86	-71.17
Net Loans	529.4	509.81	467.43	392.2	326.09	386.06
Property, Plant & Equipment	11.26	11.14	9.23	8.79	11.79	14.49
Goodwill	2.27	2.27	2.27	2.27	2.27	2.27
Other Intangible Assets	3.19	2.75	0.74	0.38	0.89	1.71
Accrued Interest Receivable	8.4	8.2	11.57	8.43	11.33	9.6
Other Receivables	9.32	5.3	3.91	0.49	0.17	3.92
Restricted Cash	41.97	33.01	27.24	21.96	73.07	28.06
Other Current Assets	13.17	15.75	13.35	14.65	13.67	0.49
Long-Term Deferred Tax Assets	13.45	13.89	16.08	17.17	13.4	5.87
Other Real Estate Owned & Foreclosed	0.11	0.11	0.07	0.15	0.23	0.31
Other Long-Term Assets	-	1.2	0.97	0.3	0.19	2.39
Total Assets	681.98	654.95	584.21	498.79	484.98	530.92
Accounts Payable	3.33	2.65	1.5	1.92	1.7	4.8
Accrued Expenses	5.35	1.67	3.24	2.8	2.64	-
Interest Bearing Deposits	584.74	560.89	476.22	385.25	370.1	420.31
Non-Interest Bearing Deposits	0.96	0.5	0.34	0.19	0.2	0.12
Total Deposits	585.7	561.38	476.56	385.44	370.29	420.43
Current Portion of Long-Term Debt	-	6.37	12.92	8.09	21.59	-
Current Income Taxes Payable	-	0.87	0.76	0.71	0.62	-
Other Current Liabilities	0.2	0.41	1	1.36	0.21	-
Long-Term Debt	5.71	1.88	3.12	16.48	2.24	-
Long-Term Unearned Revenue	0.18	-	-	-	-	-
Other Long-Term Liabilities	3.35	2.61	9.03	8.42	2.45	2.94
Total Liabilities	603.81	577.85	508.13	425.23	401.75	428.16
Common Stock	73.82	73.82	73.82	73.82	73.82	55.64
Additional Paid-In Capital	34.18	34.18	34.18	34.18	34.18	52.36
Retained Earnings	-29.83	-30.89	-31.91	-34.43	-24.76	-5.24
Shareholders' Equity	78.17	77.1	76.08	73.57	83.23	102.76
Total Liabilities & Equity	681.98	654.95	584.21	498.79	484.98	530.92
Total Debt	5.71	8.26	16.03	24.57	23.84	-
Net Cash (Debt)	43.4	42.94	14.99	7.11	7.73	74.66
Net Cash Growth	181.90%	186.41%	110.96%	-8.01%	-89.65%	129.91%
Net Cash Per Share	0.59	0.58	0.20	0.10	0.10	1.34
Filing Date Shares Outstanding	73.82	73.82	73.82	73.82	73.82	55.64
Total Common Shares Outstanding	73.82	73.82	73.82	73.82	73.82	55.64
Book Value Per Share	1.06	1.04	1.03	1.00	1.13	1.85
Tangible Book Value	72.7	72.08	73.07	70.91	80.07	98.78
Tangible Book Value Per Share	0.98	0.98	0.99	0.96	1.08	1.78

Source: S&P Capital IQ. Banks template. Financial Sources.