Financiera Confianza S.A.A. (BVL:FCONFIC1)

Financiera Confianza 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	573.25	539.71	549.43	514.53	431.18	438.87
Interest Income on Investments	7.19	8.86	11.68	9.23	1.42	1.71
Total Interest Income	580.43	548.57	561.12	523.76	432.6	440.58
Interest Paid on Deposits	83.57	93.85	92.15	69.29	63.36	67.75
Interest Paid on Borrowings	22.8	31.67	41.26	21.76	13.6	18.36
Total Interest Expense	106.37	125.52	133.4	91.05	76.96	86.11
Net Interest Income	474.06	423.05	427.71	432.7	355.65	354.48
Net Interest Income Growth (YoY)	13.71%	-1.09%	-1.15%	21.67%	0.33%	-3.08%
Trust Income	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Gain (Loss) on Sale of Assets	-	-	-	-51.65	-22.56	0.66
Other Non-Interest Income	22.56	21.54	23.37	15.36	17.39	18.13
Total Non-Interest Income	22.55	21.53	23.36	-36.3	-5.19	18.78
Non-Interest Income Growth (YoY)	8.69%	-7.84%	-	-	-	15.59%
Revenues Before Loan Losses	496.61	444.58	451.07	396.4	350.46	373.26
Provision for Loan Losses	138.25	153.93	157.42	90.63	120.45	120.97
Revenue	358.37	290.65	293.65	305.77	230.01	252.29
Revenue Growth (YoY)	26.79%	-1.02%	-3.96%	32.94%	-8.83%	-17.48%
Salaries and Employee Benefits	199.78	192.17	194.49	170.53	151.84	158.69
Occupancy Expenses	13.04	12.13	9.36	7.42	7.51	8.94
Federal Deposit Insurance	4.65	4.21	3.95	4.37	5.83	5.09
Selling, General & Administrative	65.7	61.58	63.9	60.17	56.09	55.33
Other Non-Interest Expense	3.09	-0.76	-0.13	-3.86	-1.01	2.81
Total Non-Interest Expense	286.26	269.33	271.56	238.62	220.28	230.86
EBT Excluding Unusual Items	72.11	21.33	22.1	67.15	9.73	21.42
Legal Settlements	-1.4	-0.72	-0.02	-1.9	-0.27	-0.36
Other Unusual Items	-15.88	-8.58	-6.9	-6.25	-3.18	-
Pretax Income	59.72	16.92	19.23	60.32	6.29	21.06
Income Tax Expense	17.78	4.22	7.21	17.51	3.14	6.81
Net Income	41.95	12.7	12.02	42.81	3.16	14.26
Net Income to Common	41.95	12.7	12.02	42.81	3.16	14.26
Net Income Growth	857.02%	5.63%	-71.92%	1256.89%	-77.87%	-68.74%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	0.08%	-0.01%	0.01%	-	0.00%	-0.01%
EPS (Basic)	7.78	2.36	2.23	7.94	0.59	2.65
EPS (Diluted)	7.78	2.36	2.23	7.94	0.59	2.65
EPS Growth	856.26%	5.64%	-71.93%	1256.89%	-77.87%	-68.74%
Dividend Per Share	1.272	1.272	1.004	3.575	-	-
Dividend Growth	26.77%	26.77%	-71.93%	-	-	-
Effective Tax Rate	29.77%	24.96%	37.49%	29.03%	49.86%	32.32%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.