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

BVL:MIBANC1 Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	1,829	1,862	1,782	1,046	1,831	1,101
Investment Securities	2,992	2,857	2,916	2,562	1,459	1,592
Trading Asset Securities	5.61	10.35	9.13	24.91	17.09	22.17
Total Investments	2,998	2,868	2,925	2,587	1,477	1,614
Gross Loans	15,394	13,475	12,132	13,165	13,966	13,432
Allowance for Loan Losses	-949.66	-866.49	-1,015	-1,095	-1,095	-1,234
Net Loans	14,445	12,609	11,116	12,070	12,872	12,198
Property, Plant & Equipment	101.24	104.47	112.51	120.32	115.01	125.25
Goodwill	139.18	139.18	139.18	139.18	139.18	139.18
Other Intangible Assets	206.54	182.59	169.68	156.88	141.09	119.07
Accrued Interest Receivable	174.88	134.23	105.2	94.84	106.78	52
Other Receivables	74.74	61.45	133.7	143.4	27.29	229.91
Restricted Cash	42.21	91.06	51.4	45.71	20.17	6.58
Other Current Assets	33.29	3.95	2.37	30.02	-	-
Long-Term Deferred Tax Assets	129.1	108.69	93.96	120.66	161.57	179.23
Other Real Estate Owned & Foreclosed	-	5.86	4.68	-	-	-
Other Long-Term Assets	27.49	7.77	4.86	30.7	9.71	14.86
Total Assets	20,200	18,205	16,664	16,584	16,917	15,803

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	97.53	37.21	36.55	52.77	49.5	95.95
Accrued Expenses	1.11	156.41	110.81	68.07	125.13	105
Interest Bearing Deposits	11,693	10,912	10,814	9,687	9,020	8,296
Non-Interest Bearing Deposits	87.6	80.69	80.18	49.75	154.09	69.63
Total Deposits	11,780	10,993	10,894	9,736	9,174	8,366
Short-Term Borrowings	22.46	20.22	20.96	30.11	51.8	22.54
Current Portion of Long-Term Debt	2,051	2,675	2,549	2,240	2,133	1,434
Current Income Taxes Payable	98.62	103.07	-	12.37	39.85	-
Accrued Interest Payable	150.96	96.33	166.11	262.77	140.74	59.94
Other Current Liabilities	299.38	56.18	119.75	61.59	8.88	2.62
Long-Term Debt	1,842	1,255	186.84	1,149	2,457	3,373
Other Long-Term Liabilities	975.64	44.94	40.12	105.59	102.75	131.12
Total Liabilities	17,319	15,437	14,124	13,719	14,283	13,591

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	1,841	1,841	1,841	1,841	1,841	1,715
Retained Earnings	1,044	916.01	704.22	1,026	805.13	503.42
Comprehensive Income & Other	-3.67	11.41	-5.27	-1.52	-11.83	-5.7
Shareholders' Equity	2,881	2,768	2,540	2,865	2,634	2,212
Total Liabilities & Equity	20,200	18,205	16,664	16,584	16,917	15,803

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	3,915	3,950	2,756	3,419	4,642	4,830
Net Cash (Debt)	347.14	-2,078	-965.44	-2,349	-2,794	-3,707
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	0.19	-1.13	-0.52	-1.28	-1.52	-2.01
Filing Date Shares Outstanding	1,841	1,841	1,841	1,841	1,841	1,841
Total Common Shares Outstanding	1,841	1,841	1,841	1,841	1,841	1,841
Book Value Per Share	1.57	1.50	1.38	1.56	1.43	1.20
Tangible Book Value	2,535	2,446	2,231	2,569	2,354	1,954
Tangible Book Value Per Share	1.38	1.33	1.21	1.40	1.28	1.06

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 5, 2026

Data Sources Report a data error