Banco de Crédito del Perú S.A. (BVL:CREDITC1)

Banco de Crédito del Perú 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	17,408	17,447	16,527	13,002	9,778	10,271
Interest Paid on Deposits	3,972	4,267	4,455	2,777	1,872	2,422
Net Interest Income	13,436	13,180	12,072	10,225	7,906	7,849
Net Interest Income Growth (YoY)	6.60%	9.18%	18.06%	29.34%	0.72%	-3.56%
Income From Trading Activities	81.7	81.7	101.86	4.8	72.1	52.43
Gain (Loss) on Sale of Assets	55.37	90.35	170.48	35.65	27.1	48.39
Gain (Loss) on Sale of Investments	-30.01	-30.01	-80.52	-24.66	-132.71	132.91
Other Non-Interest Income	5,106	4,784	4,280	4,216	3,738	3,037
Total Non-Interest Income	5,213	4,926	4,472	4,232	3,705	3,271
Non-Interest Income Growth (YoY)	9.87%	10.16%	5.67%	14.22%	13.27%	-13.04%
Revenues Before Loan Losses	18,649	18,106	16,543	14,457	11,610	11,120
Provision for Loan Losses	2,661	3,449	3,461	1,978	1,870	5,024
Revenue	15,988	14,657	13,082	12,479	9,740	6,096
Revenue Growth (YoY)	19.62%	12.04%	4.83%	28.12%	59.78%	-39.66%
Salaries and Employee Benefits	3,370	3,386	3,023	2,841	2,533	2,277
Occupancy Expenses	485.84	485.84	435.82	418.72	409.43	400.14
Selling, General & Administrative	3,516	3,202	2,992	2,629	2,303	1,870
Other Non-Interest Expense	416.32	442.15	389.82	385.21	216	430.29
Total Non-Interest Expense	7,804	7,531	6,821	6,288	5,476	4,997
EBT Excluding Unusual Items	8,184	7,126	6,261	6,191	4,264	1,098
Asset Writedown	-91.16	-84.98	-67.43	-19.43	-17.63	-40.34
Other Unusual Items	-	-	-	-	-50.11	-86.1
Pretax Income	8,093	7,041	6,194	6,171	4,196	971.93
Income Tax Expense	2,122	1,814	1,528	1,669	1,152	155.14
Earnings From Continuing Operations	5,971	5,226	4,666	4,502	3,045	816.79
Minority Interest in Earnings	-20.81	-15.36	-13.03	-21.76	-8.42	3.14
Net Income	5,950	5,211	4,653	4,480	3,036	819.93
Net Income to Common	5,950	5,211	4,653	4,480	3,036	819.93
Net Income Growth	30.09%	11.99%	3.85%	47.57%	270.29%	-77.40%
Basic Shares Outstanding	12,973	12,973	12,973	12,973	12,973	12,973
Diluted Shares Outstanding	12,973	12,973	12,973	12,973	12,973	12,973
Shares Change (YoY)	0.07%	-	-	-	-	-
EPS (Basic)	0.46	0.40	0.36	0.35	0.23	0.06
EPS (Diluted)	0.46	0.40	0.36	0.35	0.23	0.06
EPS Growth	30.40%	11.99%	3.85%	47.57%	270.30%	-77.40%
Dividend Per Share	0.366	0.402	0.344	0.266	0.105	-
Dividend Growth	6.43%	16.90%	29.34%	152.90%	-	-
Effective Tax Rate	26.22%	25.77%	24.67%	27.04%	27.45%	15.96%

Updated Feb 26, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.