Credicorp Ltd.
Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current accounts, and various …
Banks - Regional
PE, Lima [HQ]
BAP/Financial Reporting
Income Statements
15 Sheets · Starting from 2009In Million PEN. Margins, Growth Rates In %
| Metric | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,993.00 | 5,717.00 | 8,889.00 | 7,536.00 | 8,501.00 | 10,436.00 | 11,845.00 | 12,513.00 | 13,356.00 | 13,487.00 | 14,822.00 | 13,600.00 | 14,434.00 | 17,343.00 | 19,535.00 | |
|
EPS
|
17.12 | 20.59 | 23.49 | 26.18 | 19.35 | 30.04 | 38.91 | 44.23 | 51.49 | 50.13 | 53.53 | 4.37 | 45.09 | 58.26 | 61.22 | |
| Diluted in mil. | 17.12 | 20.53 | 23.41 | 26.11 | 19.31 | 29.97 | 38.84 | 44.15 | 51.35 | 49.99 | 53.53 | 4.36 | 44.99 | 58.13 | 61.08 | |
|
Profit
|
4,993.00 | 6,707.00 | 7,251.00 | 7,536.00 | 8,575.00 | 10,592.00 | 11,845.00 | 12,513.00 | 13,356.00 | 13,487.00 | 14,822.00 | 13,600.00 | 14,434.00 | 17,343.00 | 16,182.00 | |
| Gross Margin | 100.00 | 117.32 | 81.57 | 100.00 | 100.87 | 101.49 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 82.84 | |
| Pre Tax | 1,911.00 | 2,194.00 | 2,457.00 | 2,761.00 | 2,453.00 | 3,389.00 | 4,360.00 | 4,891.00 | 5,574.00 | 5,592.00 | 5,975.00 | 224.00 | 5,332.00 | 6,855.00 | 6,848.00 | |
| Profit Margin | 38.28 | 38.38 | 27.64 | 36.65 | 28.86 | 32.48 | 36.81 | 39.09 | 41.74 | 41.46 | 40.31 | 1.65 | 36.95 | 39.53 | 35.06 | |
| ETR | 21.02 | 24.41 | 22.53 | 23.74 | 33.23 | 28.57 | 27.46 | 26.20 | 24.99 | 27.20 | 27.16 | -49.06 | 31.15 | 30.78 | 27.58 | |
| Net | 1,363.00 | 1,636.00 | 1,865.00 | 2,055.00 | 1,617.00 | 2,387.00 | 3,092.00 | 3,514.00 | 4,091.00 | 3,983.00 | 4,265.00 | 346.00 | 3,584.00 | 4,647.00 | 4,865.00 | |
| Profit Margin | 27.30 | 28.61 | 20.98 | 27.27 | 19.03 | 22.88 | 26.11 | 28.09 | 30.63 | 29.54 | 28.77 | 2.55 | 24.83 | 26.80 | 24.91 | |
| EBITDA | 3,292.00 | 3,593.00 | 4,102.00 | 4,801.00 | 5,004.00 | 5,980.00 | 7,248.00 | 8,117.00 | 8,870.00 | 8,974.00 | 6,527.00 | 913.00 | 5,935.00 | 10,920.00 | -315.00 | |
| EBITDA Margin | 65.93 | 62.84 | 46.15 | 63.71 | 58.87 | 57.31 | 61.19 | 64.87 | 66.41 | 66.54 | 44.04 | 6.72 | 41.12 | 62.97 | -1.61 | |
| Operating Income | 3,080.00 | 3,347.00 | 3,842.00 | 4,502.00 | 4,581.00 | 5,547.00 | 6,719.00 | 7,710.00 | 8,450.00 | 8,538.00 | 5,888.00 | 236.00 | 5,245.00 | 10,229.00 | 7,069.00 | |
| Operating Margin | 61.68 | 58.55 | 43.22 | 59.75 | 53.89 | 53.15 | 56.72 | 61.62 | 63.27 | 63.31 | 39.72 | 1.74 | 36.34 | 58.98 | 36.19 | |
| Interest Income | 3,809.00 | 4,147.00 | 4,834.00 | 6,020.00 | 7,362.00 | 8,578.00 | 10,022.00 | 10,765.00 | 10,977.00 | 11,498.00 | 12,356.00 | 11,522.00 | 11,809.00 | 14,982.00 | 18,752.00 | |
| Loss | -88.00 | -990.00 | -1,638.00 | -78.00 | -74.00 | -155.00 | -4,912.00 | -5,139.00 | -4,906.00 | -4,948.00 | -8,934.00 | -13,363.00 | -9,188.00 | -7,113.00 | -9,334.00 | |
| Cost of Revenue | - - | -990.00 | -1,638.00 | - - | -74.00 | -155.00 | - - | - - | - - | - - | - - | - - | - - | - - | -3,352.00 | |
|
Operating Expenses
|
-2,001.00 | -3,359.00 | -3,409.00 | -3,111.00 | -3,993.00 | -5,045.00 | -4,920.00 | -5,139.00 | -4,906.00 | -4,948.00 | -8,934.00 | -13,363.00 | -9,188.00 | -7,113.00 | -9,334.00 | |
| R&D | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| G&A | -2,044.00 | -2,928.00 | -2,616.00 | -3,376.00 | -4,153.00 | -4,589.00 | -4,874.00 | -5,200.00 | -5,399.00 | -4,754.00 | -4,884.00 | -4,736.00 | -5,766.00 | -6,036.00 | -6,678.00 | |
| SG&A | -2,044.00 | -2,928.00 | -2,616.00 | -3,376.00 | -4,153.00 | -4,589.00 | -4,874.00 | -5,200.00 | -5,399.00 | -4,754.00 | -4,884.00 | -4,736.00 | -5,766.00 | -6,690.00 | -7,398.00 | |
| S&M | - - | - - | - - | -157.00 | -295.00 | -310.00 | -222.00 | -300.00 | -304.00 | -336.00 | -374.00 | -349.00 | -486.00 | -653.00 | -720.00 | |
| Depreciation and Amortization | -206.00 | -235.00 | -246.00 | -282.00 | -345.00 | -433.00 | -400.00 | -407.00 | -426.00 | -436.00 | -639.00 | -676.00 | -690.00 | -690.00 | -667.00 | |
| Interest Expenses | -1,221.00 | -1,118.00 | -1,398.00 | -1,819.00 | -2,160.00 | -2,168.00 | -2,558.00 | -2,914.00 | -2,959.00 | -3,033.00 | -3,290.00 | -2,976.00 | -2,488.00 | -3,493.00 | -5,860.00 | |
| Other Expenses | -1,168.00 | -1,153.00 | -1,384.00 | -1,740.00 | -2,128.00 | -2,157.00 | -2,358.00 | -2,819.00 | -2,875.00 | -2,946.00 | -87.00 | -12.00 | -87.00 | -3,373.00 | -220.00 | |
|
WA Shares Outstanding
|
79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | |
| Diluted | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 |