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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	17,329	16,527	13,002	9,778	10,271	10,967
Interest Paid on Deposits	4,394	4,455	2,777	1,872	2,422	2,828
Net Interest Income	12,935	12,072	10,225	7,906	7,849	8,139
Net Interest Income Growth (YoY)	9.08%	18.06%	29.34%	0.72%	-3.56%	7.40%
Income From Trading Activities	101.86	101.86	4.8	72.1	52.43	24.54
Gain (Loss) on Sale of Assets	170.48	170.48	38.61	27.1	48.39	19.77
Gain (Loss) on Sale of Investments	-80.52	-80.52	-24.66	-132.71	132.91	138.32
Other Non-Interest Income	4,665	4,280	4,213	3,738	3,037	3,579
Total Non-Interest Income	4,856	4,472	4,232	3,705	3,271	3,761
Non-Interest Income Growth (YoY)	12.66%	5.67%	14.22%	13.27%	-13.04%	8.27%
Revenues Before Loan Losses	17,792	16,543	14,457	11,610	11,120	11,900
Provision for Loan Losses	3,802	3,461	1,978	1,870	5,024	1,799
Revenue	13,990	13,082	12,479	9,740	6,096	10,102
Revenue Growth (YoY)	6.16%	4.83%	28.12%	59.78%	-39.66%	5.84%
Salaries and Employee Benefits	3,033	3,023	2,841	2,533	2,277	2,513
Occupancy Expenses	435.82	435.82	418.72	409.43	400.14	380.53
Selling, General & Administrative	3,304	2,993	2,630	2,303	1,870	1,890
Other Non-Interest Expense	586.55	380.94	363.9	216	430.29	309.76
Total Non-Interest Expense	7,339	6,813	6,268	5,476	4,997	5,097
EBT Excluding Unusual Items	6,651	6,269	6,211	4,264	1,098	5,004
Asset Writedown	-67.43	-67.43	-19.43	-17.63	-40.34	-22.49
Other Unusual Items	-7.78	-7.78	-20.18	-50.11	-86.1	-
Pretax Income	6,576	6,194	6,171	4,196	971.93	4,982
Income Tax Expense	1,608	1,528	1,669	1,152	155.14	1,335
Earnings From Continuing Operations	4,968	4,666	4,502	3,045	816.79	3,647
Minority Interest in Earnings	-12.97	-13.03	-21.76	-8.42	3.14	-19.41
Net Income	4,955	4,653	4,480	3,036	819.93	3,628
Net Income to Common	4,955	4,653	4,480	3,036	819.93	3,628
Net Income Growth	3.12%	3.85%	47.57%	270.29%	-77.40%	8.28%
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)	-	-	-	0.00%	-0.00%	0.00%
EPS (Basic)	0.38	0.36	0.35	0.23	0.06	0.28
EPS (Diluted)	0.38	0.36	0.35	0.23	0.06	0.28
EPS Growth	3.05%	3.85%	47.57%	270.29%	-77.40%	8.28%
Dividend Per Share	-	-	0.207	0.105	-	0.101
Dividend Growth	-	-	97.34%	-	-	-13.29%
Effective Tax Rate	24.45%	24.67%	27.04%	27.45%	15.96%	26.79%

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