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	Sep '26 Sep 30, 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	3,462	3,165	3,066	3,089	2,734	2,018
Interest Paid on Deposits	661.72	673.31	816.35	905.86	560.09	244.75
Net Interest Income	2,762	2,492	2,250	2,183	2,174	1,773
Net Interest Income Growth	15.90%	10.76%	3.06%	0.41%	22.61%	6.28%
Gain (Loss) on Sale of Investments	0.24	-	-	-	-	-
Other Non-Interest Income	226.94	124.08	102.8	104.63	93.84	79.41
Total Non-Interest Income	172.63	124.08	102.8	104.63	93.84	79.41
Non-Interest Income Growth	43.16%	20.70%	-1.75%	11.50%	18.17%	-3.24%
Revenues Before Loan Losses	2,934	2,616	2,352	2,287	2,268	1,852
Provision for Loan Losses	586.2	519.1	725.82	818.96	488.17	446.65
Revenue	2,348	2,097	1,627	1,469	1,780	1,406
Revenue Growth	17.80%	28.90%	10.76%	-17.48%	26.59%	37.27%
Salaries and Employee Benefits	35.9	2.61	3.93	3.86	4.1	3.73
Occupancy Expenses	67.72	64.85	60.06	16.26	18.17	19.67
Amortization of Goodwill & Intangibles	-	-	-	35.5	27.04	21.52
Selling, General & Administrative	1,317	1,265	1,172	1,146	1,107	1,033
Other Non-Interest Expense	-1.51	15.64	-8.08	-8.58	25.28	32.86
Total Non-Interest Expense	1,420	1,348	1,228	1,193	1,182	1,111
EBT Excluding Unusual Items	928.46	748.31	398.95	275.19	597.86	295.13
Legal Settlements	1.04	-	-	-	-	-
Other Unusual Items	-	-	-	-0.3	-4.24	-16.26
Pretax Income	929.5	748.31	398.95	274.89	593.62	278.87
Income Tax Expense	245.73	198.22	86.98	8.94	155.26	99.72
Net Income	683.77	550.09	311.97	265.94	438.36	179.15
Net Income to Common	683.77	550.09	311.97	265.94	438.36	179.15
Net Income Growth	35.56%	76.33%	17.31%	-39.33%	144.69%	-
Basic Shares Outstanding	1,838	1,841	1,841	1,841	1,841	1,841
Diluted Shares Outstanding	1,838	1,841	1,841	1,841	1,841	1,841
Shares Change	-0.41%	-	-	-	-	11.98%
EPS (Basic)	0.37	0.30	0.17	0.14	0.24	0.10
EPS (Diluted)	0.37	0.30	0.17	0.14	0.24	0.10
EPS Growth	36.12%	76.33%	17.31%	-39.33%	144.69%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	0.205	0.205	-	0.244	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	26.44%	26.49%	21.80%	3.25%	26.16%	35.76%