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

BVL: MIBANC1 Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	1,286	1,046	1,831	1,101	1,826	1,062
Investment Securities	3,050	2,555	1,459	1,592	1,435	1,522
Trading Asset Securities	22.18	24.91	17.09	22.17	10.49	12.97
Total Investments	3,072	2,580	1,477	1,614	1,446	1,535
Gross Loans	12,023	13,165	13,966	13,432	12,985	10,630
Allowance for Loan Losses	-1,052	-1,095	-1,095	-1,234	-1,479	-952.62
Net Loans	10,970	12,070	12,872	12,198	11,506	9,678
Property, Plant & Equipment	113.68	120.32	115.01	125.25	137.86	156.35
Goodwill	139.18	139.18	139.18	139.18	139.18	139.18
Other Intangible Assets	159.5	156.88	141.09	119.07	104.55	77.31
Accrued Interest Receivable	133.4	101.53	106.78	52	27.16	100.38
Other Receivables	169.41	143.4	27.29	229.91	209.39	121.16
Restricted Cash	119.82	45.71	20.17	6.58	5.56	2.27
Other Current Assets	219.9	30.02	-	-	30.5	98.67
Long-Term Deferred Tax Assets	101.44	120.66	161.57	179.23	161.38	156.86
Other Real Estate Owned & Foreclosed	0	-	-	-	0.53	0.62
Other Long-Term Assets	6.17	6.91	9.71	14.86	2.95	2.71
Total Assets	16,490	16,584	16,917	15,803	15,625	13,146
Accounts Payable	74.45	52.77	49.5	95.95	58.62	60.86
Accrued Expenses	8.16	80.44	125.13	105	68.59	112.49
Interest Bearing Deposits	10,591	9,687	9,020	8,296	8,502	8,382
Non-Interest Bearing Deposits	56.11	49.75	154.09	69.63	66.87	47.53
Total Deposits	10,647	9,736	9,174	8,366	8,569	8,429
Short-Term Borrowings	33.29	30.11	51.8	22.54	11.79	10.22
Current Portion of Long-Term Debt	2,401	2,240	2,133	1,434	1,173	1,404
Current Income Taxes Payable	21.34	-	39.85	-	9.42	12.8
Accrued Interest Payable	173.59	262.77	140.74	59.94	91.96	128.96
Other Current Liabilities	111.65	5.93	8.88	2.62	2.35	5
Long-Term Debt	306.24	1,149	2,457	3,373	3,188	912.25
Other Long-Term Liabilities	110.79	161.25	102.75	131.12	118.59	105.58
Total Liabilities	13,887	13,719	14,283	13,591	13,292	11,181
Common Stock	1,841	1,841	1,841	1,715	1,239	1,239
Additional Paid-In Capital	-	-	-	-	875.75	92.74
Retained Earnings	759.28	1,026	805.13	503.42	211.1	629.19
Comprehensive Income & Other	2.92	-1.52	-11.83	-5.7	7.69	4.21
Shareholders' Equity	2,603	2,865	2,634	2,212	2,333	1,965
Total Liabilities & Equity	16,490	16,584	16,917	15,803	15,625	13,146
Total Debt	2,741	3,419	4,642	4,830	4,373	2,326
Net Cash (Debt)	1,256	-2,349	-2,794	-3,707	-2,536	-80.47
Net Cash Per Share	0.67	-1.28	-1.52	-2.01	-1.54	-0.05
Filing Date Shares Outstanding	1,841	1,841	1,841	1,841	1,644	1,644
Total Common Shares Outstanding	1,841	1,841	1,841	1,841	1,644	1,644
Book Value Per Share	1.41	1.56	1.43	1.20	1.42	1.20
Tangible Book Value	2,304	2,569	2,354	1,954	2,090	1,748
Tangible Book Value Per Share	1.25	1.40	1.28	1.06	1.27	1.06

Source: S&P Capital IQ. Banks template. Financial Sources.