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	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	17,474	17,447	16,527	13,002	9,778
Interest Paid on Deposits	3,773	4,267	4,455	2,777	1,872
Net Interest Income	13,701	13,180	12,072	10,225	7,906
Net Interest Income Growth (YoY)	3.95%	9.18%	18.06%	29.34%	0.72%
Income From Trading Activities	165.98	81.7	101.86	4.8	72.1
Gain (Loss) on Sale of Assets	43.4	85.01	167.33	35.65	27.1
Gain (Loss) on Sale of Investments	90.09	-30.01	-80.52	-24.66	-132.71
Other Non-Interest Income	5,089	4,784	4,280	4,216	3,738
Total Non-Interest Income	5,388	4,920	4,469	4,232	3,705
Non-Interest Income Growth (YoY)	9.51%	10.11%	5.60%	14.22%	13.27%
Revenues Before Loan Losses	19,090	18,101	16,540	14,457	11,610
Provision for Loan Losses	2,235	3,449	3,461	1,978	1,870
Revenue	16,854	14,651	13,079	12,479	9,740
Revenue Growth (YoY)	15.04%	12.03%	4.81%	28.12%	59.78%
Salaries and Employee Benefits	3,817	3,386	3,023	2,841	2,533
Occupancy Expenses	626.56	485.84	435.82	418.72	409.43
Selling, General & Administrative	3,107	3,202	2,992	2,629	2,303
Other Non-Interest Expense	462.71	436.81	386.67	385.21	216
Total Non-Interest Expense	7,991	7,526	6,817	6,288	5,476
EBT Excluding Unusual Items	8,864	7,126	6,261	6,191	4,264
Asset Writedown	-45.9	-84.98	-67.43	-19.43	-17.63
Other Unusual Items	-	-	-	-	-50.11
Pretax Income	8,818	7,041	6,194	6,171	4,196
Income Tax Expense	2,319	1,814	1,528	1,669	1,152
Earnings From Continuing Operations	6,499	5,226	4,666	4,502	3,045
Minority Interest in Earnings	-27.43	-15.36	-13.03	-21.76	-8.42
Net Income	6,472	5,211	4,653	4,480	3,036
Net Income to Common	6,472	5,211	4,653	4,480	3,036
Net Income Growth	24.19%	11.99%	3.85%	47.57%	270.29%
Basic Shares Outstanding	12,973	12,973	12,973	12,973	12,973
Diluted Shares Outstanding	12,973	12,973	12,973	12,973	12,973
EPS (Basic)	0.50	0.40	0.36	0.35	0.23
EPS (Diluted)	0.50	0.40	0.36	0.35	0.23
EPS Growth	24.19%	11.99%	3.85%	47.57%	270.30%
Dividend Per Share	-	0.402	0.344	0.266	0.105
Dividend Growth	-	16.90%	29.34%	152.90%	-
Effective Tax Rate	26.30%	25.77%	24.67%	27.04%	27.45%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.