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

BVL:CRANDEC1 Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	21.92	21.22	29.95	46.83	26.28	29.59
Investment Securities	3	9.41	6.79	4.68	5.06	2.41
Total Investments	3	9.41	6.79	4.68	5.06	2.41
Gross Loans	701	665.08	609.07	561.21	521.38	457.78
Allowance for Loan Losses	-63.01	-58.93	-55.81	-51.4	-53.96	-65.57
Net Loans	637.99	606.15	553.26	509.81	467.43	392.2
Property, Plant & Equipment	9.86	9.68	10.83	11.14	9.23	8.79
Goodwill	2.27	2.27	2.27	2.27	2.27	2.27
Other Intangible Assets	9.16	8.1	6.68	2.75	0.74	0.38
Accrued Interest Receivable	-	10.67	9.29	8.2	11.57	8.43
Other Receivables	5.17	1.55	5.22	5.3	3.91	0.49
Restricted Cash	88.01	47.61	24.76	33.01	27.24	21.96
Other Current Assets	16.47	18.69	16.26	15.75	13.35	14.65
Long-Term Deferred Tax Assets	3.34	4.2	11.94	13.89	16.08	17.17
Other Real Estate Owned & Foreclosed	-	-	0.11	0.11	0.07	0.15
Other Long-Term Assets	-	0.52	1.17	1.2	0.97	0.3
Total Assets	797.18	740.08	678.53	654.95	584.21	498.79

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	3.94	0.58	0.81	-	1.5	1.92
Accrued Expenses	8.84	3.2	2.46	-	3.24	2.8
Interest Bearing Deposits	666.88	612.31	555.2	560.89	476.22	385.25
Non-Interest Bearing Deposits	0.21	0.34	0.76	0.5	0.34	0.19
Total Deposits	667.09	612.65	555.97	561.38	476.56	385.44
Current Portion of Long-Term Debt	-	-	4.46	6.37	12.92	8.09
Current Income Taxes Payable	-	1.16	0.95	-	0.76	0.71
Other Current Liabilities	0.58	0.45	0.23	-	1	1.36
Long-Term Debt	-	-	-	1.88	3.12	16.48
Long-Term Unearned Revenue	0.38	-	-	-	-	-
Other Long-Term Liabilities	1.12	10.96	4.58	8.21	9.03	8.42
Total Liabilities	681.99	629	569.46	577.85	508.13	425.23

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	110.23	110.23	73.82	73.82	73.82	73.82
Additional Paid-In Capital	34.18	34.18	70.59	34.18	34.18	34.18
Retained Earnings	-29.22	-33.33	-35.34	-30.89	-31.91	-34.43
Shareholders' Equity	115.19	111.08	109.07	77.1	76.08	73.57
Total Liabilities & Equity	797.18	740.08	678.53	654.95	584.21	498.79

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	-	-	4.46	8.26	16.03	24.57
Net Cash (Debt)	24.86	30.54	32.08	42.94	14.99	7.11
Net Cash Growth	-	-4.79%	-25.29%	186.41%	110.96%	-8.01%
Net Cash Per Share	0.23	0.28	0.43	0.58	0.20	0.10
Filing Date Shares Outstanding	110.23	110.23	73.82	73.82	73.82	73.82
Total Common Shares Outstanding	110.23	110.23	73.82	73.82	73.82	73.82
Book Value Per Share	1.04	1.01	1.48	1.04	1.03	1.00
Tangible Book Value	103.76	100.71	100.12	72.08	73.07	70.91
Tangible Book Value Per Share	0.94	0.91	1.36	0.98	0.99	0.96

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 6, 2026

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