← CREDICORP LTD
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | |||||||||||
| Net Income | — | — | — | — | — | — | $4.6b | $4.9b | $5.5b | $6.9b | |
| Net Income From Continuing Operations | — | — | — | — | — | — | $4.8b | $5.0b | $5.6b | $7.1b | |
| Net income for the period after the net change in assets and liabilities, and adjustments | — | — | — | — | — | — | — | $6.2b | $16.2b | $11.3b | |
| Depreciation | — | — | — | — | — | — | $643.6m | $667.1m | $722.6m | $901.9m | |
| Depreciation Amortization Depletion | — | — | — | — | — | — | $643.6m | $667.1m | $722.6m | $901.9m | |
| Depreciation and amortization | $407.1m | $420.0m | $429.1m | $455.0m | $497.9m | $522.0m | $532.2m | $511.2m | $570.8m | $746.2m | |
| Depreciation of investment properties | $4.4m | $6.4m | $7.4m | $6.7m | $7.0m | $6.9m | $7.1m | $8.1m | $9.1m | $8.8m | |
| Depreciation of right-of-use assets | — | — | $0 | $160.4m | $172.0m | $161.3m | $151.3m | $147.8m | $142.6m | $146.9m | |
| Deferred Income Tax | — | — | — | — | — | — | $113.1m | ($76.1m) | ($54.9m) | ($125.7m) | |
| Deferred Tax | — | — | — | — | — | — | $113.1m | ($76.1m) | ($54.9m) | ($125.7m) | |
| Deferred income tax | $28.2m | ($3.6m) | $91.1m | ($52.5m) | ($1.1b) | $547.4m | $113.1m | ($76.1m) | ($54.9m) | ($125.7m) | |
| Adjustments For Share-Based Payments | $73.9m | $62.0m | $65.5m | $120.1m | $103.6m | $74.0m | $88.7m | $83.3m | $104.8m | — | |
| Asset Impairment Charge | — | — | — | — | — | — | $0 | $72.0m | $27.3m | $0 | |
| Expense for share-based payment transactions | $73.9m | $62.0m | $65.5m | $120.1m | $103.6m | $74.0m | $88.7m | $83.3m | $104.8m | $149.0m | |
| Impairment loss on goodwill | $94k | $0 | $38.2m | $0 | $64.0m | $0 | $0 | $72.0m | $27.3m | $0 | |
| Proceeds From Sales Of Investments Other Than Investments Accounted For Using Equity Method | — | — | — | $0 | — | — | — | — | — | — | |
| Additional Financial Items | |||||||||||
| Acquisition of Pacifico EPS shares, net cash acquired | — | $-0.00 | $-0.00 | ($375,952,000.00) | $-0.00 | $-0.00 | $-0.00 | ($5,564,000.00) | $-0.00 | ($727,180,000.00) | |
| Beginning Cash Position | — | — | — | — | — | — | $39.3b | $34.1b | $33.9b | $47.6b | |
| Bonds and notes issued | $274.8m | $788.1m | ($1.3b) | $670.9m | ($96.2m) | ($90.2m) | ($298.6m) | ($2.2b) | $348.5m | ($4.1b) | |
| Cash Flow From Continuing Financing Activities | — | — | — | — | — | — | ($1.6b) | ($2.3b) | ($1.8b) | ($1.8b) | |
| Cash Flow From Continuing Investing Activities | — | — | — | — | — | — | ($1.1b) | ($1.3b) | $527.6m | ($1.6b) | |
| Cash Flow From Continuing Operating Activities | ($1.4b) | $9.3b | ($122.0m) | $6.9b | $12.7b | $4.0b | ($1.2b) | $4.1b | $14.5b | $8.6b | |
| Cash collateral, reverse repurchase agreements and securities borrowings | ($28.9m) | ($79.0m) | $3.6b | ($265.2m) | $2.1b | $783.0m | $622.6m | ($330.4m) | $383.4m | ($1.3b) | |
| Change In Other Current Assets | — | — | — | — | — | — | $1.0b | $189.9m | ($728.3m) | ($3.3b) | |
| Change In Other Current Liabilities | — | — | — | — | — | — | $3.1b | $2.6b | $2.4b | $5.2b | |
| Change In Other Working Capital | — | — | — | — | — | — | $2.9b | $105.7m | $9.5b | $18.9b | |
| Change In Receivables | — | — | — | — | — | — | — | $0 | $0 | ($1.6b) | |
| Change In Working Capital | — | — | — | — | — | — | ($7.7b) | ($3.2b) | $6.0b | $985.6m | |
| Changes In Cash | — | — | — | — | — | — | ($3.8b) | $560.3m | $13.2b | $5.2b | |
| Deposits and obligations | ($2.0b) | $12.8b | $5.6b | $7.5b | $25.9b | $2.5b | ($46.2m) | $2.3b | $13.3b | $17.2b | |
| Due to Banks and correspondents | ($188.7m) | $661.7m | $267.4m | $426.4m | ($3.1b) | $1.1b | $1.8b | $3.5b | ($1.6b) | $379.6m | |
| End Cash Position | — | — | — | — | — | — | $34.1b | $33.9b | $47.6b | $49.0b | |
| Financing Cash Flow | — | — | — | — | — | — | ($1.6b) | ($2.3b) | ($1.8b) | ($1.8b) | |
| Free Cash Flow | — | — | — | — | — | — | ($2.0b) | $2.9b | $13.4b | $7.3b | |
| Gain Loss On Investment Securities | — | — | — | — | — | — | ($5.5m) | ($425.1m) | ($362.3m) | ($400.7m) | |
| Gain Loss On Sale Of Business | — | — | — | — | — | — | — | $0 | $0 | ($235.5m) | |
| Gain Loss On Sale Of PPE | — | — | — | — | — | — | ($15.0m) | ($1.7m) | ($68.0m) | ($37.6m) | |
| Gain on remeasurement of previously held equity interest in Pacifico Entidad Prestadora de Salud | — | — | — | — | — | — | — | $0 | $0 | ($235.5m) | |
| Goodwill | $636.1m | $636.0m | $591.3m | $886.0m | $113.4m | $113.4m | $772.2m | $132.5m | $722.4m | — | |
| Intangible losses due to withdrawals and dismissed projects | — | — | $0 | $22.5m | $40.3m | $17.6m | $19.4m | $97.0m | $131.1m | $79.3m | |
| Interest Received Classified As Operating Activities | $10.6b | $10.9b | $11.5b | $12.3b | $11.2b | $11.6b | $14.7b | $18.7b | $19.9b | ($1.6b) | |
| Interest payments of leasing contracts | — | $0 | $0 | ($37.4m) | ($32.3m) | ($27.4m) | ($25.1m) | ($25.6m) | ($22.8m) | ($37.2m) | |
| Interest received | $10.6b | $10.9b | $11.5b | $12.3b | $11.2b | $11.6b | $14.7b | $18.7b | $19.9b | $20.0b | |
| Investing Cash Flow | — | — | — | — | — | — | ($1.1b) | ($1.3b) | $527.6m | ($1.6b) | |
| Investments at fair value through other comprehensive income | $0 | $0 | ($837.7m) | $771.7m | ($15.9b) | $7.5b | ($465.5m) | ($5.2b) | ($2.6b) | $1.5b | |
| Investments at fair value through profit or loss | ($1.7b) | ($16.4m) | $530.9m | ($206.5m) | ($2.2b) | $745.2m | $1.6b | ($456.6m) | $412.4m | ($204.9m) | |
| Issuance Of Capital Stock | — | — | — | — | — | $3.8m | $9.9m | $0 | $0 | — | |
| Loans | ($6.6b) | ($8.4b) | ($10.2b) | ($6.8b) | ($20.6b) | ($9.6b) | ($5.4b) | ($1.1b) | ($4.5b) | ($13.4b) | |
| Net Business Purchase And Sale | — | — | — | — | — | — | $0 | ($5.6m) | $0 | ($727.2m) | |
| Net Intangibles Purchase And Sale | — | — | — | — | — | — | ($703.7m) | ($828.8m) | ($801.3m) | ($984.0m) | |
| Net PPE Purchase And Sale | — | — | — | — | — | — | ($187.3m) | ($269.2m) | ($211.9m) | ($124.4m) | |
| Net gain from sale of foreclosed assets | ($1.4m) | ($2.5m) | $3.4m | $9.6m | ($728k) | ($2.9m) | ($11.4m) | $1.9m | ($27.2m) | ($30.1m) | |
| Net gain from sale of loan portfolio | — | — | — | — | — | — | — | ($83.5m) | ($21.3m) | ($1.8m) | |
| Net gain of trading derivatives | ($44.5m) | ($103.6m) | ($13.3m) | ($6.0m) | ($40.8m) | ($185.3m) | ($65.2m) | ($53.7m) | ($156.2m) | ($51.9m) | |
| Net gain on sale of securities | ($336.8m) | ($741.8m) | ($242.8m) | ($546.8m) | ($523.1m) | ($28.6m) | ($5.5m) | ($425.1m) | ($362.3m) | ($400.7m) | |
| Net result after income tax | $3.6b | $4.2b | $4.1b | $4.4b | $334.1m | $3.7b | $4.7b | $5.0b | $5.6b | $7.1b | |
| Operating Cash Flow | ($1.4b) | $9.3b | ($122.0m) | $6.9b | $12.7b | $4.0b | ($1.2b) | $4.1b | $14.5b | $8.6b | |
| Operating Gains Losses | — | — | — | — | — | — | ($115.7m) | ($562.1m) | ($635.0m) | ($757.6m) | |
| Other Non Cash Items | — | — | — | — | — | — | $16.0m | $327.1m | $528.9m | $157.5m | |
| Other assets | $1.5b | $425.2m | ($1.1b) | ($1.1b) | ($335.2m) | ($351.6m) | $300.7m | $520.3m | ($1.1b) | ($2.0b) | |
| Other liabilities | $1.1b | $1.7b | $1.5b | $1.6b | $1.3b | $1.3b | $2.4b | $2.6b | $2.4b | $5.2b | |
| Others | $60.6m | ($17.4m) | ($16.0m) | ($19.7m) | $33.8m | ($5.5m) | $45.4m | $3.0m | $145.5m | $65.0m | |
| Payables from repurchase agreements and securities lending | $518.8m | $1.6b | ($4.1b) | ($1.7b) | $20.2b | ($5.9b) | ($9.0b) | ($2.8b) | ($1.1b) | ($704.3m) | |
| Payments To Acquire Or Redeem Entitys Shares | $66.5m | $71.0m | — | — | — | — | — | — | — | — | |
| Principal payments of leasing contracts | — | $0 | $0 | ($147.8m) | ($163.4m) | ($155.1m) | ($156.5m) | ($157.4m) | ($152.7m) | ($152.9m) | |
| Proceeds From Borrowings Classified As Financing Activities | ($401.3m) | ($40.0m) | $0 | — | — | — | — | — | — | — | |
| Provision for credit losses on loan portfolio | $2.1b | $2.1b | $1.8b | $2.1b | $6.1b | $1.6b | $2.2b | $4.0b | $3.9b | $2.9b | |
| Provision for sundry risks | $28.1m | $29.0m | $42.2m | $27.3m | $140.9m | $70.8m | $43.8m | $95.9m | $315.2m | $149.7m | |
| Purchase Of Business | — | — | — | — | — | — | $0 | ($5.6m) | $0 | ($727.2m) | |
| Purchase Of Intangible Assets Classified As Investing Activities | $277.3m | $271.7m | $419.8m | $372.0m | $535.2m | $532.2m | $703.7m | $828.8m | $801.3m | $984.0m | |
| Purchase Of Intangibles | — | — | — | — | — | — | ($703.7m) | ($828.8m) | ($801.3m) | ($984.0m) | |
| Purchase Of PPE | — | — | — | — | — | — | ($192.7m) | ($322.4m) | ($310.1m) | ($284.7m) | |
| Purchase of intangible assets | ($277.3m) | ($271.7m) | ($419.8m) | ($372.0m) | ($535.2m) | ($532.2m) | ($703.7m) | ($828.8m) | ($801.3m) | ($984.0m) | |
| Purchase of non-controlling interest of subsidiaries | ($489.9m) | $0 | ($174.5m) | $0 | $0 | ($7.8m) | ($5.9m) | ($1.8m) | ($36.8m) | ($17.9m) | |
| Purchase of property, furniture and equipment | ($88.2m) | ($9.2m) | ($49.5m) | ($33.3m) | ($26.5m) | ($12.1m) | ($87.1m) | ($37.7m) | ($70.4m) | ($183.6m) | |
| Purchase of treasury stock | ($66.5m) | ($71.0m) | ($95.4m) | ($103.2m) | ($151.9m) | ($58.9m) | ($83.6m) | ($85.6m) | ($110.9m) | ($119.3m) | |
| Repurchase Of Capital Stock | — | — | — | — | — | — | ($83.6m) | ($85.6m) | ($110.9m) | ($119.3m) | |
| Sale Of PPE | — | — | — | — | — | — | $5.4m | $53.2m | $98.2m | $160.3m | |
| Sale of written off portfolio | — | — | $60.7m | $193.8m | $36.9m | $24.5m | $24.5m | $239.6m | $55.2m | $7.3m | |
| Short-term and low-value lease payments | — | $0 | $0 | ($63.0m) | ($74.0m) | ($86.4m) | ($106.4m) | ($108.4m) | ($118.2m) | ($143.9m) | |
| Stock Based Compensation | — | — | — | — | — | — | $81.7m | $83.3m | $104.8m | $149.0m | |
| Subordinated bonds, net | — | ($40.0m) | $0 | ($977.0m) | $684.2m | $183.2m | ($94.7m) | $62.0m | $2.3b | $1.8b | |
| Termination of the Joint Venture Agreement | — | — | — | — | — | — | — | $0 | $0 | ($180.0m) | |
| Profit or Loss | $3.6b | $4.2b | $4.1b | $4.4b | $334.1m | $3.7b | $4.7b | $5.0b | $5.6b | — | |
| Capital Expenditure | — | — | — | — | — | — | ($896.4m) | ($1.2b) | ($1.1b) | ($1.3b) | |
| Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities | $47.0m | $44.1m | $95.1m | $35.4m | $23.0m | $11.5m | $5.4m | $53.2m | $98.2m | $160.3m | |
| Net Investment Properties Purchase And Sale | — | — | — | — | — | — | ($87.5m) | ($37.7m) | ($23.3m) | ($182.3m) | |
| Net Investment Purchase And Sale | — | — | — | — | — | — | ($116.5m) | ($113.8m) | $1.6b | $424.7m | |
| Purchase Of Investment | — | — | — | — | — | — | ($1.1b) | ($1.4b) | ($176.6m) | ($435.2m) | |
| Purchase Of Investment Properties | — | — | — | — | — | — | ($87.5m) | ($37.7m) | ($70.4m) | ($183.6m) | |
| Purchase of investment at amortized cost | — | $0 | ($3.6b) | ($1.7b) | ($2.8b) | ($3.7b) | ($1.1b) | ($1.4b) | ($176.6m) | ($255.2m) | |
| Collections for maturities and coupons of investment at amortized cost | $0 | $0 | $296.0m | $3.3b | $1.6b | $590.6m | $1.0b | $1.2b | $1.7b | $859.9m | |
| Proceeds from sale of investment property | — | — | — | — | — | $0 | ($359k) | $0 | $47.1m | $1.3m | |
| Sale Of Investment | — | — | — | — | — | — | $1.0b | $1.2b | $1.7b | $859.9m | |
| Sale Of Investment Properties | — | — | — | — | — | $0 | — | $0 | $47.1m | $1.3m | |
| Net Issuance Payments Of Debt | — | — | — | — | — | — | ($251.2m) | ($95.3m) | $2.1b | $1.6b | |
| Net Long Term Debt Issuance | — | — | — | — | — | — | ($251.2m) | ($95.3m) | $2.1b | $1.6b | |
| Long Term Debt Payments | — | — | — | — | — | — | ($156.5m) | ($157.4m) | ($152.7m) | ($152.9m) | |
| Repayment Of Debt | — | — | — | — | — | — | ($156.5m) | ($157.4m) | ($152.7m) | ($152.9m) | |
| Common Stock Issuance | — | — | — | — | — | $3.8m | $9.9m | $0 | $0 | — | |
| Net Common Stock Issuance | — | — | — | — | — | — | ($73.7m) | ($85.6m) | ($110.9m) | ($119.3m) | |
| Common Stock Payments | — | — | — | — | — | — | ($83.6m) | ($85.6m) | ($110.9m) | ($119.3m) | |
| Cash Dividends Paid | — | — | — | — | — | — | ($1.2b) | ($2.0b) | ($3.7b) | ($3.2b) | |
| Common Stock Dividend Paid | — | — | — | — | — | — | ($1.2b) | ($2.0b) | ($3.7b) | ($3.2b) | |
| Dividends Paid Classified As Financing Activities | $184.7m | $298.1m | $343.5m | $481.2m | $702.1m | $96.5m | $318.5m | $540.4m | $740.0m | — | |
| Dividends Paid Ordinary Shares Per Share | $2.30 | $3.70 | $4.30 | $20.00 | $30.00 | $5.00 | $15.00 | $25.00 | $35.00 | — | |
| Dividends paid | ($653) | ($980) | ($1k) | ($2k) | ($2k) | ($399) | ($1k) | ($2k) | ($4k) | ($3k) | |
| Net Other Financing Charges | — | — | — | — | — | — | ($54.5m) | ($63.8m) | ($143.6m) | ($138.8m) | |
| Effect Of Exchange Rate Changes | — | — | — | — | — | — | ($1.3b) | ($760.7m) | $410.3m | ($3.8b) | |
| Effect of changes in exchange rate of cash and cash equivalents | ($454.1m) | ($784.7m) | $705.0m | ($294.9m) | $2.0b | $2.8b | ($1.3b) | ($760.7m) | $410.3m | ($3.8b) | |
| Net increase of cash and cash equivalents before effect of changes in exchange rate | ($5.0b) | $7.4b | ($1.8b) | $4.1b | $8.7b | ($220.0m) | ($3.8b) | $560.3m | $13.2b | $5.2b | |
| Cash and cash equivalents at the beginning of the period | $16.6b | $23.2b | $22.2b | $26.0b | $36.7b | $39.3b | $34.1b | $33.9b | $47.6b | $49.0b | |
| Change In Cash Supplemental As Reported | — | — | — | — | — | — | ($3.8b) | $560.3m | $13.2b | $5.2b | |
| Interest Paid Classified As Operating Activities | ($2.8b) | ($2.9b) | $3.0b | $3.2b | $3.0b | $2.2b | $2.8b | $5.1b | $5.9b | ($1.6b) | |
| Income taxes paid (refund), classified as operating activities | ($1.1b) | ($1.0b) | ($1.1b) | ($1.2b) | ($1.2b) | ($1.1b) | ($1.1b) | ($2.1b) | ($1.7b) | ($2.7b) | |
| Taxes Refund Paid | — | — | — | — | — | — | ($1.1b) | ($2.1b) | ($1.7b) | ($2.7b) |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.