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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	559.5	539.71	549.43	514.53	431.18	438.87
Interest Income on Investments	7.69	8.86	11.68	9.23	1.42	1.71
Total Interest Income	567.2	548.57	561.12	523.76	432.6	440.58
Interest Paid on Deposits	86.38	93.85	92.15	69.29	63.36	67.75
Interest Paid on Borrowings	25.06	31.67	41.26	21.76	13.6	18.36
Total Interest Expense	111.44	125.52	133.4	91.05	76.96	86.11
Net Interest Income	455.76	423.05	427.71	432.7	355.65	354.48
Net Interest Income Growth (YoY)	8.96%	-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	21.68	21.54	23.37	15.36	17.39	18.13
Total Non-Interest Income	21.67	21.53	23.36	-36.3	-5.19	18.78
Non-Interest Income Growth (YoY)	-2.92%	-7.84%	-	-	-	15.59%
Revenues Before Loan Losses	477.43	444.58	451.07	396.4	350.46	373.26
Provision for Loan Losses	140.07	153.93	157.42	90.63	120.45	120.97
Revenue	337.36	290.65	293.65	305.77	230.01	252.29
Revenue Growth (YoY)	23.22%	-1.02%	-3.96%	32.94%	-8.83%	-17.48%
Salaries and Employee Benefits	203.59	192.17	194.49	170.53	151.84	158.69
Occupancy Expenses	12.58	12.13	9.36	7.42	7.51	8.94
Federal Deposit Insurance	4.48	4.21	3.95	4.37	5.83	5.09
Selling, General & Administrative	64.48	61.58	63.9	60.17	56.09	55.33
Other Non-Interest Expense	3.31	-0.76	-0.13	-3.86	-1.01	2.81
Total Non-Interest Expense	288.4	269.33	271.56	238.62	220.28	230.86
EBT Excluding Unusual Items	48.96	21.33	22.1	67.15	9.73	21.42
Legal Settlements	-1.37	-0.72	-0.02	-1.9	-0.27	-0.36
Other Unusual Items	-8.58	-8.58	-6.9	-6.25	-3.18	-
Pretax Income	43.91	16.92	19.23	60.32	6.29	21.06
Income Tax Expense	12.74	4.22	7.21	17.51	3.14	6.81
Net Income	31.17	12.7	12.02	42.81	3.16	14.26
Net Income to Common	31.17	12.7	12.02	42.81	3.16	14.26
Net Income Growth	7652.74%	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)	1.11%	-0.01%	0.01%	-	0.00%	-0.01%
EPS (Basic)	5.75	2.36	2.23	7.94	0.59	2.65
EPS (Diluted)	5.75	2.36	2.23	7.94	0.59	2.65
EPS Growth	7569.51%	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	29.02%	24.96%	37.49%	29.03%	49.86%	32.32%

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