Mibanco Banco de la Microempresa S.A. (BVL:MIBANC1)

BVL:MIBANC1 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	3,080	3,066	3,089	2,734	2,018	2,046
Interest Paid on Deposits	718.3	816.35	905.86	560.09	244.75	377.79
Net Interest Income	2,383	2,250	2,183	2,174	1,773	1,668
Net Interest Income Growth (YoY)	6.51%	3.06%	0.41%	22.61%	6.28%	-15.00%
Gain (Loss) on Sale of Assets	-	-	-	-	-	10.52
Gain (Loss) on Sale of Equity Investments	-0.01	-	-	-	-	-0.02
Other Non-Interest Income	72.85	102.8	104.63	93.84	79.41	71.56
Total Non-Interest Income	120.56	102.8	104.63	93.84	79.41	82.07
Non-Interest Income Growth (YoY)	48.40%	-1.75%	11.50%	18.17%	-3.24%	-32.00%
Revenues Before Loan Losses	2,504	2,352	2,287	2,268	1,852	1,750
Provision for Loan Losses	510.08	725.82	818.96	488.17	446.65	726.25
Revenue	1,993	1,627	1,469	1,780	1,406	1,024
Revenue Growth (YoY)	33.65%	10.76%	-17.48%	26.59%	37.27%	-38.09%
Salaries and Employee Benefits	91.43	3.93	3.86	4.1	3.73	4.33
Occupancy Expenses	22.25	18.3	16.26	18.17	19.67	23.02
Amortization of Goodwill & Intangibles	41.76	41.76	35.5	27.04	21.52	18.23
Selling, General & Administrative	1,155	1,172	1,146	1,107	1,033	958.04
Other Non-Interest Expense	-21.88	-8.08	-8.58	25.28	32.86	20.34
Total Non-Interest Expense	1,289	1,228	1,193	1,182	1,111	1,024
EBT Excluding Unusual Items	704.22	398.95	275.19	597.86	295.13	0.13
Legal Settlements	-1.16	-	-	-	-	-
Other Unusual Items	-	-	-0.3	-4.24	-16.26	-30.68
Pretax Income	703.06	398.95	274.89	593.62	278.87	-30.55
Income Tax Expense	198.66	86.98	8.94	155.26	99.72	4.66
Net Income	504.4	311.97	265.94	438.36	179.15	-35.2
Net Income to Common	504.4	311.97	265.94	438.36	179.15	-35.2
Net Income Growth	90.48%	17.31%	-39.33%	144.69%	-	-
Basic Shares Outstanding	1,846	1,841	1,841	1,841	1,841	1,644
Diluted Shares Outstanding	1,846	1,841	1,841	1,841	1,841	1,644
Shares Change (YoY)	-1.26%	-	-	-	11.98%	-
EPS (Basic)	0.27	0.17	0.14	0.24	0.10	-0.02
EPS (Diluted)	0.27	0.17	0.14	0.24	0.10	-0.02
EPS Growth	92.92%	17.31%	-39.33%	144.69%	-	-
Dividend Per Share	-	-	0.244	-	-	-
Effective Tax Rate	28.26%	21.80%	3.25%	26.16%	35.76%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.