XML 191 R162.htm IDEA: XBRL DOCUMENT v3.23.1
ADMINISTRATIVE EXPENSES (Details) - PEN (S/)
S/ in Thousands
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Administrative Expenses [Abstract]      
Systems expenses [1] S/ 938,014 S/ 741,429 S/ 539,910
Publicity and loyalty programs [2] 653,430 486,885 349,745
Consulting and professional fees 338,269 312,978 219,671
Taxes and contributions 305,486 289,484 266,704
Transport and communications 229,110 208,244 169,616
Repair and maintenance 137,946 123,232 118,369
Outsourcing 118,778 99,440 69,379
Commissions by agents 106,356 104,700 87,899
Lease 91,680 86,417 70,404
Sundry supplies [3] 87,848 57,093 67,537
Security and protection 64,480 63,500 64,439
Insurance 62,994 62,142 43,657
Subscriptions and quotes 58,251 55,331 49,464
Electricity and water 51,117 48,886 51,649
Electronic processing 35,896 39,528 36,920
Cleaning 20,435 20,105 22,900
Others [4] 205,011 154,323 155,455
Total S/ 3,505,101 S/ 2,953,717 S/ 2,383,718
[1] The increase is mainly due to higher support expenses in Information technology, maintenance services and license renewal, as well as the increase in greater execution of strategic initiatives in software tools for digital transformation improvements.
[2] The increase is mainly due to higher marketing and advertising expenses; especially in Tenpo Prepago SpA and Tenpo Technology SpA to attract new customers and promote the use of their products. Additionally, the increase in expenses related to customer loyalty and acquisition programs, mainly in BCP.
[3] The increase is mainly due to the growth in the consumption of credit cards, such as Credimas, Amex and Visa with chip, as well as the greater consumption of the physical token for accessing platforms such as Internet Banking and Mobile Banking.
[4] The variation is mainly due to the increase in rates such as risk centers, growth in collections from alternative channels and other services.