BVL:IFS Income Statement

Financials in millions PEN. Fiscal year is January - December.

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	4,629	4,549	4,528	4,210	3,548
Net Interest Income Growth	1.76%	0.46%	7.56%	18.66%	2.16%
Non-Interest Income	1,313	1,094	1,157	1,285	641.23
Non-Interest Income Growth	20.00%	-5.39%	-9.96%	100.35%	-18.38%
Revenues Before Loan Losses	5,943	5,643	5,685	5,494	4,189
Provision for Credit Losses	1,137	1,720	1,982	830.55	381.58
Revenue	4,806	3,923	3,703	4,664	3,807
Revenue Growth (YoY)	22.50%	5.95%	-20.60%	22.49%	104.22%
Compensation Expenses	1,116	955.25	897.28	870.48	807.38
Selling, General & Admin	1,437	1,337	1,289	1,180	965.51
Other Non-Interest Expenses	610.76	608.02	564.03	576.87	489.88
Total Non-Interest Expense	3,163	2,900	2,750	2,627	2,263
Pretax Income	1,643	1,023	952.83	2,037	1,545
Provision for Income Taxes	530.25	314.37	275.6	462.54	502.11
Net Income	1,932	1,300	1,073	1,668	1,790
Minority Interest in Earnings	10.73	7.38	6.55	10.09	10.02
Net Income to Common	1,932	1,300	1,073	1,668	1,790
Net Income Growth	48.64%	21.19%	-35.69%	-6.82%	367.09%
Shares Outstanding (Basic)	112	114	115	115	115
Shares Outstanding (Diluted)	112	114	115	115	115
Shares Change (YoY)	-2.25%	-0.63%	-0.35%	-0.00%	-0.02%
EPS (Basic)	17.30	11.38	9.33	14.45	15.51
EPS (Diluted)	17.30	11.38	9.33	14.45	15.51
EPS Growth	52.07%	21.97%	-35.46%	-6.82%	367.17%
Free Cash Flow	1,527	2,805	2,728	-1,147	1,259
Free Cash Flow Growth	-45.57%	2.85%	-	-	-90.28%
Free Cash Flow Per Share	13.67	24.55	23.72	-9.94	10.90
Dividends Per Share	-	3.772	3.713	4.495	-
Dividend Growth	-	1.57%	-17.38%	-	-
Profit Margin	80.87%	66.65%	58.29%	71.96%	94.56%
FCF Margin	31.77%	71.50%	73.66%	-24.60%	33.06%
EBITDA	450.27	413.06	379.04	336.23	279.69
EBITDA Margin	9.37%	10.53%	10.24%	7.21%	7.35%
Effective Tax Rate	32.28%	30.73%	28.92%	22.71%	32.51%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.