BVL:IFS Income Statement

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

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Jan '22 Jan 1, 2022
Interest Income on Loans	6,936	6,888	7,029	7,120	5,871	4,606
Interest Paid on Deposits	2,231	2,259	2,480	2,592	1,662	1,058
Net Interest Income	4,704	4,629	4,549	4,528	4,210	3,548
Net Interest Income Growth (YoY)	2.83%	1.76%	0.46%	7.56%	18.66%	2.16%
Gain (Loss) on Sale of Assets	41.33	41.33	12.25	34.07	30.96	11.85
Gain (Loss) on Sale of Investments	258.36	200.33	61.01	14.11	-112.78	344.62
Gain (Loss) on Sale of Equity Investments	7.61	7.61	7.45	-	18.69	33.38
Other Non-Interest Income	1,779	1,756	1,576	1,495	1,458	1,076
Total Non-Interest Income	2,086	2,005	1,657	1,543	1,395	1,466
Non-Interest Income Growth (YoY)	11.91%	20.99%	7.37%	10.62%	-4.86%	23.97%
Revenues Before Loan Losses	6,790	6,634	6,206	6,071	5,605	5,014
Provision for Loan Losses	977.99	1,137	1,720	1,982	830.55	381.58
Revenue	5,812	5,498	4,486	4,090	4,774	4,632
Revenue Growth (YoY)	18.03%	22.55%	9.69%	-14.34%	3.06%	104.83%
Salaries and Employee Benefits	1,162	1,116	955.25	897.28	870.48	807.38
Occupancy Expenses	455.01	450.27	413.06	379.04	336.23	279.69
Selling, General & Administrative	1,400	1,354	1,254	1,212	1,115	921.05
Other Non-Interest Expense	235.84	202.58	292.16	250.31	323.86	333.59
Total Non-Interest Expense	3,253	3,122	2,914	2,738	2,646	2,342
EBT Excluding Unusual Items	2,559	2,376	1,572	1,351	2,128	2,291
Asset Writedown	97.94	97.94	49.86	3.66	12.88	11.6
Pretax Income	2,657	2,473	1,622	1,355	2,141	2,302
Income Tax Expense	558.2	530.25	314.37	275.6	462.54	502.11
Earnings From Continuing Operations	2,099	1,943	1,307	1,079	1,678	1,800
Minority Interest in Earnings	-11.8	-10.73	-7.38	-6.55	-10.09	-10.02
Net Income	2,087	1,932	1,300	1,073	1,668	1,790
Net Income to Common	2,087	1,932	1,300	1,073	1,668	1,790
Net Income Growth	30.17%	48.64%	21.19%	-35.69%	-6.82%	367.09%
Basic Shares Outstanding	111	112	114	115	115	115
Diluted Shares Outstanding	111	112	114	115	115	115
Shares Change (YoY)	-2.40%	-2.25%	-0.63%	-0.35%	-0.00%	-0.02%
EPS (Basic)	18.77	17.30	11.38	9.33	14.45	15.51
EPS (Diluted)	18.77	17.30	11.38	9.33	14.45	15.51
EPS Growth	33.36%	52.07%	21.96%	-35.46%	-6.82%	367.20%
Dividend Per Share	-	6.056	3.772	3.713	4.495	6.985
Dividend Growth	-	60.56%	1.57%	-17.38%	-35.66%	150.94%
Effective Tax Rate	21.01%	21.44%	19.38%	20.34%	21.61%	21.81%