BVL:MIBANC1 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
Interest Income on Loans	2,990	3,066	3,089	2,734	2,018
Interest Income on Investments	175.23	-	-	-	-
Total Interest Income	3,165	3,066	3,089	2,734	2,018
Interest Paid on Deposits	463.72	816.35	905.86	560.09	244.75
Interest Paid on Borrowings	186	-	-	-	-
Total Interest Expense	649.72	816.35	905.86	560.09	244.75
Net Interest Income	2,515	2,250	2,183	2,174	1,773
Net Interest Income Growth (YoY)	11.81%	3.06%	0.41%	22.61%	6.28%
Income From Trading Activities	80.64	-	-	-	-
Gain (Loss) on Sale of Investments	-0.22	-	-	-	-
Other Non-Interest Income	40.42	102.8	104.63	93.84	79.41
Total Non-Interest Income	120.84	102.8	104.63	93.84	79.41
Non-Interest Income Growth (YoY)	17.55%	-1.75%	11.50%	18.17%	-3.24%
Revenues Before Loan Losses	2,636	2,352	2,287	2,268	1,852
Provision for Loan Losses	507.87	725.82	818.96	488.17	446.65
Revenue	2,128	1,627	1,469	1,780	1,406
Revenue Growth (YoY)	30.84%	10.76%	-17.48%	26.59%	37.27%
Salaries and Employee Benefits	926.09	3.93	3.86	4.1	3.73
Occupancy Expenses	64.85	18.3	16.26	18.17	19.67
Federal Deposit Insurance	20.57	-	-	-	-
Amortization of Goodwill & Intangibles	-	41.76	35.5	27.04	21.52
Selling, General & Administrative	341.65	1,172	1,146	1,107	1,033
Other Non-Interest Expense	25.38	-8.08	-8.58	25.28	32.86
Total Non-Interest Expense	1,379	1,228	1,193	1,182	1,111
EBT Excluding Unusual Items	749.58	398.95	275.19	597.86	295.13
Legal Settlements	-1.27	-	-	-	-
Other Unusual Items	-	-	-0.3	-4.24	-16.26
Pretax Income	748.31	398.95	274.89	593.62	278.87
Income Tax Expense	198.22	86.98	8.94	155.26	99.72
Net Income	550.09	311.97	265.94	438.36	179.15
Net Income to Common	550.09	311.97	265.94	438.36	179.15
Net Income Growth	76.33%	17.31%	-39.33%	144.69%	-
Basic Shares Outstanding	1,840	1,841	1,841	1,841	1,841
Diluted Shares Outstanding	1,840	1,841	1,841	1,841	1,841
Shares Change (YoY)	-0.04%	-	-	-	11.98%
EPS (Basic)	0.30	0.17	0.14	0.24	0.10
EPS (Diluted)	0.30	0.17	0.14	0.24	0.10
EPS Growth	76.41%	17.31%	-39.33%	144.69%	-
Dividend Per Share	-	-	0.244	-	-
Effective Tax Rate	26.49%	21.80%	3.25%	26.16%	35.76%

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