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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,433	1,433	1,046	1,831	1,101	1,826
Investment Securities	2,877	2,877	2,555	1,459	1,592	1,435
Trading Asset Securities	9.13	9.13	24.91	17.09	22.17	10.49
Total Investments	2,886	2,886	2,580	1,477	1,614	1,446
Gross Loans	12,132	12,132	13,165	13,966	13,432	12,985
Allowance for Loan Losses	-1,015	-1,015	-1,095	-1,095	-1,234	-1,479
Net Loans	11,116	11,116	12,070	12,872	12,198	11,506
Property, Plant & Equipment	112.51	112.51	120.32	115.01	125.25	137.86
Goodwill	139.18	139.18	139.18	139.18	139.18	139.18
Other Intangible Assets	169.68	169.68	156.88	141.09	119.07	104.55
Accrued Interest Receivable	141.32	141.32	101.53	106.78	52	27.16
Other Receivables	142.21	142.21	143.4	27.29	229.91	209.39
Restricted Cash	400.38	400.38	45.71	20.17	6.58	5.56
Other Current Assets	28.58	28.58	30.02	-	-	30.5
Long-Term Deferred Tax Assets	93.96	93.96	120.66	161.57	179.23	161.38
Other Real Estate Owned & Foreclosed	0	0	-	-	-	0.53
Other Long-Term Assets	0.69	0.69	6.91	9.71	14.86	2.95
Total Assets	16,664	16,664	16,584	16,917	15,803	15,625
Accounts Payable	83.25	83.25	52.77	49.5	95.95	58.62
Accrued Expenses	17.19	17.19	80.44	125.13	105	68.59
Interest Bearing Deposits	10,828	10,828	9,687	9,020	8,296	8,502
Non-Interest Bearing Deposits	77.5	77.5	49.75	154.09	69.63	66.87
Total Deposits	10,906	10,906	9,736	9,174	8,366	8,569
Short-Term Borrowings	20.96	20.96	30.11	51.8	22.54	11.79
Current Portion of Long-Term Debt	1,933	1,933	2,240	2,133	1,434	1,173
Current Income Taxes Payable	-	-	-	39.85	-	9.42
Accrued Interest Payable	163.46	163.46	262.77	140.74	59.94	91.96
Other Current Liabilities	135.8	135.8	5.93	8.88	2.62	2.35
Long-Term Debt	802.14	802.14	1,149	2,457	3,373	3,188
Other Long-Term Liabilities	62.53	62.53	161.25	102.75	131.12	118.59
Total Liabilities	14,124	14,124	13,719	14,283	13,591	13,292
Common Stock	1,841	1,841	1,841	1,841	1,715	1,239
Additional Paid-In Capital	-	-	-	-	-	875.75
Retained Earnings	369.57	369.57	1,026	805.13	503.42	211.1
Comprehensive Income & Other	329.38	329.38	-1.52	-11.83	-5.7	7.69
Shareholders' Equity	2,540	2,540	2,865	2,634	2,212	2,333
Total Liabilities & Equity	16,664	16,664	16,584	16,917	15,803	15,625
Total Debt	2,756	2,756	3,419	4,642	4,830	4,373
Net Cash (Debt)	1,198	1,198	-2,349	-2,794	-3,707	-2,536
Net Cash Per Share	0.65	0.65	-1.28	-1.52	-2.01	-1.54
Filing Date Shares Outstanding	1,841	1,841	1,841	1,841	1,841	1,644
Total Common Shares Outstanding	1,841	1,841	1,841	1,841	1,841	1,644
Book Value Per Share	1.38	1.38	1.56	1.43	1.20	1.42
Tangible Book Value	2,231	2,231	2,569	2,354	1,954	2,090
Tangible Book Value Per Share	1.21	1.21	1.40	1.28	1.06	1.27

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