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

BVL:MIBANC1 Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	3,165	3,066	3,089	2,734	2,018
Interest Paid on Deposits	673.31	816.35	905.86	560.09	244.75
Net Interest Income	2,492	2,250	2,183	2,174	1,773
Net Interest Income Growth (YoY)	10.76%	3.06%	0.41%	22.61%	6.28%
Other Non-Interest Income	124.08	102.8	104.63	93.84	79.41
Total Non-Interest Income	124.08	102.8	104.63	93.84	79.41
Non-Interest Income Growth (YoY)	20.70%	-1.75%	11.50%	18.17%	-3.24%
Revenues Before Loan Losses	2,616	2,352	2,287	2,268	1,852
Provision for Loan Losses	519.1	725.82	818.96	488.17	446.65
Revenue	2,097	1,627	1,469	1,780	1,406
Revenue Growth (YoY)	28.90%	10.76%	-17.48%	26.59%	37.27%
Salaries and Employee Benefits	2.61	3.93	3.86	4.1	3.73
Occupancy Expenses	64.85	60.06	16.26	18.17	19.67
Amortization of Goodwill & Intangibles	-	-	35.5	27.04	21.52
Selling, General & Administrative	1,265	1,172	1,146	1,107	1,033
Other Non-Interest Expense	15.64	-8.08	-8.58	25.28	32.86
Total Non-Interest Expense	1,348	1,228	1,193	1,182	1,111
EBT Excluding Unusual Items	748.31	398.95	275.19	597.86	295.13
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	1,841	1,841	1,841	1,841	1,841
Diluted Shares Outstanding	1,841	1,841	1,841	1,841	1,841
Shares Change (YoY)	-	-	-	-	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	76.33%	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.