IFS Income Statement

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

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Interest Income	4,629	4,549	4,528	4,210	3,548
Net Interest Income Growth	1.76%	0.46%	7.56%	18.66%	2.16%
Non-Interest Income	2,456	1,910	1,745	1,654	1,671
Non-Interest Income Growth	28.53%	9.50%	5.46%	-1.00%	17.54%
Revenues Before Loan Losses	7,085	6,460	6,273	5,864	5,219
Provision for Credit Losses	1,137	1,720	1,982	830.55	381.58
Revenue	5,948	4,739	4,291	5,033	4,837
Revenue Growth (YoY)	25.51%	10.45%	-14.75%	4.06%	93.46%
Compensation Expenses	1,116	955.25	897.28	870.48	807.38
Selling, General & Admin	1,437	1,337	1,289	1,180	965.51
Other Non-Interest Expenses	922.32	825.33	749.92	842.48	761.96
Total Non-Interest Expense	3,475	3,118	2,936	2,893	2,535
Pretax Income	2,473	1,622	1,355	2,141	2,302
Provision for Income Taxes	530.25	314.37	275.6	462.54	502.11
Net Income	1,932	1,300	1,073	1,668	1,790
Minority Interest in Earnings	10.73	7.38	6.55	10.09	10.02
Net Income to Common	1,932	1,300	1,073	1,668	1,790
Net Income Growth	48.64%	21.19%	-35.69%	-6.82%	367.09%
Shares Outstanding (Basic)	112	114	115	115	115
Shares Outstanding (Diluted)	112	114	115	115	115
Shares Change (YoY)	-2.25%	-0.63%	-0.35%	-0.00%	-0.02%
EPS (Basic)	17.30	11.38	9.33	14.45	15.51
EPS (Diluted)	17.30	11.38	9.33	14.45	15.51
EPS Growth	52.07%	21.97%	-35.46%	-6.82%	367.17%
Shares Outstanding	111.08	113.29	114.48	115.42	115.42
Free Cash Flow	1,529	2,805	2,728	-1,147	1,259
Free Cash Flow Growth	-45.49%	2.85%	-	-	-90.28%
Free Cash Flow Per Share	13.69	24.55	23.72	-9.94	10.90
Dividends Per Share	-	3.772	3.713	4.495	-
Dividend Growth	-	1.57%	-17.38%	-	-
Profit Margin	32.67%	27.59%	25.15%	33.34%	37.22%
FCF Margin	25.71%	59.19%	63.57%	-22.79%	26.02%
EBITDA	450.27	413.06	379.04	336.23	279.69
EBITDA Margin	7.57%	8.72%	8.83%	6.68%	5.78%
Effective Tax Rate	21.44%	19.38%	20.34%	21.61%	21.81%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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