FRA:9IFA Income Statement

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

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Jan '22 Jan 1, 2022	Dec '20 Dec 31, 2020
Interest Income on Loans	6,896	7,029	7,120	5,871	4,606	4,665
Interest Paid on Deposits	2,292	2,480	2,592	1,662	1,058	1,192
Net Interest Income	4,603	4,549	4,528	4,210	3,548	3,473
Net Interest Income Growth (YoY)	1.81%	0.46%	7.56%	18.66%	2.16%	1.44%
Gain (Loss) on Sale of Assets	15.74	12.25	34.07	30.96	11.85	12.96
Gain (Loss) on Sale of Investments	355.32	61.01	14.11	-112.78	344.62	318.36
Gain (Loss) on Sale of Equity Investments	7.37	7.45	-	18.69	33.38	9.07
Other Non-Interest Income	1,728	1,576	1,495	1,458	1,076	842.43
Total Non-Interest Income	2,107	1,657	1,543	1,395	1,466	1,183
Non-Interest Income Growth (YoY)	30.52%	7.37%	10.62%	-4.86%	23.97%	0.49%
Revenues Before Loan Losses	6,710	6,206	6,071	5,605	5,014	4,656
Provision for Loan Losses	1,228	1,720	1,982	830.55	381.58	2,394
Revenue	5,482	4,486	4,090	4,774	4,632	2,262
Revenue Growth (YoY)	33.10%	9.69%	-14.34%	3.06%	104.83%	-41.25%
Salaries and Employee Benefits	1,081	955.25	897.28	870.48	807.38	749.25
Occupancy Expenses	442.94	413.06	379.04	336.23	279.69	268.75
Selling, General & Administrative	1,300	1,254	1,212	1,115	921.05	711.04
Other Non-Interest Expense	235.68	292.16	250.31	323.86	333.59	226.53
Total Non-Interest Expense	3,060	2,914	2,738	2,646	2,342	1,956
EBT Excluding Unusual Items	2,422	1,572	1,351	2,128	2,291	306
Asset Writedown	48.39	49.86	3.66	12.88	11.6	4.61
Pretax Income	2,471	1,622	1,355	2,141	2,302	310.62
Income Tax Expense	498.57	314.37	275.6	462.54	502.11	-72.93
Earnings From Continuing Operations	1,972	1,307	1,079	1,678	1,800	383.55
Minority Interest in Earnings	-10.36	-7.38	-6.55	-10.09	-10.02	-0.29
Net Income	1,962	1,300	1,073	1,668	1,790	383.26
Net Income to Common	1,962	1,300	1,073	1,668	1,790	383.26
Net Income Growth	78.75%	21.19%	-35.69%	-6.82%	367.09%	-73.41%
Basic Shares Outstanding	113	114	115	115	115	115
Diluted Shares Outstanding	113	114	115	115	115	115
Shares Change (YoY)	-1.60%	-0.63%	-0.35%	-0.00%	-0.02%	2.36%
EPS (Basic)	17.42	11.38	9.33	14.45	15.51	3.32
EPS (Diluted)	17.42	11.38	9.33	14.45	15.51	3.32
EPS Growth	81.66%	21.96%	-35.46%	-6.82%	367.20%	-74.02%
Dividend Per Share	3.772	3.772	3.713	4.495	6.985	2.784
Dividend Growth	1.57%	1.57%	-17.38%	-35.66%	150.94%	-51.98%
Effective Tax Rate	20.18%	19.38%	20.34%	21.61%	21.81%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.