BVL:MIBANC1 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	Dec '21 Dec 31, 2021
Interest Income on Loans	3,252	3,165	3,066	3,089	2,734	2,018
Interest Paid on Deposits	662.78	673.31	816.35	905.86	560.09	244.75
Net Interest Income	2,577	2,492	2,250	2,183	2,174	1,773
Net Interest Income Growth (YoY)	13.20%	10.76%	3.06%	0.41%	22.61%	6.28%
Gain (Loss) on Sale of Investments	0.22	-	-	-	-	-
Gain (Loss) on Sale of Equity Investments	0	-	-	-	-	-
Other Non-Interest Income	177.89	124.08	102.8	104.63	93.84	79.41
Total Non-Interest Income	143.12	124.08	102.8	104.63	93.84	79.41
Non-Interest Income Growth (YoY)	34.18%	20.70%	-1.75%	11.50%	18.17%	-3.24%
Revenues Before Loan Losses	2,720	2,616	2,352	2,287	2,268	1,852
Provision for Loan Losses	509.86	519.1	725.82	818.96	488.17	446.65
Revenue	2,211	2,097	1,627	1,469	1,780	1,406
Revenue Growth (YoY)	28.79%	28.90%	10.76%	-17.48%	26.59%	37.27%
Salaries and Employee Benefits	-1.56	2.61	3.93	3.86	4.1	3.73
Occupancy Expenses	66.29	64.85	60.06	16.26	18.17	19.67
Amortization of Goodwill & Intangibles	-	-	-	35.5	27.04	21.52
Selling, General & Administrative	1,292	1,265	1,172	1,146	1,107	1,033
Other Non-Interest Expense	7.98	15.64	-8.08	-8.58	25.28	32.86
Total Non-Interest Expense	1,365	1,348	1,228	1,193	1,182	1,111
EBT Excluding Unusual Items	845.43	748.31	398.95	275.19	597.86	295.13
Legal Settlements	-0.23	-	-	-	-	-
Other Unusual Items	-	-	-	-0.3	-4.24	-16.26
Pretax Income	845.2	748.31	398.95	274.89	593.62	278.87
Income Tax Expense	223.53	198.22	86.98	8.94	155.26	99.72
Net Income	621.67	550.09	311.97	265.94	438.36	179.15
Net Income to Common	621.67	550.09	311.97	265.94	438.36	179.15
Net Income Growth	81.18%	76.33%	17.31%	-39.33%	144.69%	-
Basic Shares Outstanding	1,840	1,841	1,841	1,841	1,841	1,841
Diluted Shares Outstanding	1,840	1,841	1,841	1,841	1,841	1,841
Shares Change (YoY)	0.02%	-	-	-	-	11.98%
EPS (Basic)	0.34	0.30	0.17	0.14	0.24	0.10
EPS (Diluted)	0.34	0.30	0.17	0.14	0.24	0.10
EPS Growth	81.15%	76.33%	17.31%	-39.33%	144.69%	-
Dividend Per Share	0.205	0.205	-	0.244	-	-
Effective Tax Rate	26.45%	26.49%	21.80%	3.25%	26.16%	35.76%