XML 101 R72.htm IDEA: XBRL DOCUMENT v3.23.1
OPERATING SEGMENTS (Tables)
 12 Months Ended
Dec. 31, 2022
OPERATING SEGMENTS [Abstract]  
Breakdown of Assets Corresponding to Group's Reportable Segments and Distribution of Total Revenue, Operating Revenue and Non-current Assets from Segment
  (i)
The following table presents information recorded in the results and for certain items of the assets corresponding to the Group’s reportable segments (in millions of soles) as of December 31, 2022, 2021 and 2020:

   
Income (*)
                                                        
2022
  
External
    
From other
segments (**)
    
Net interest,
similar
income and
expenses
    
Other
income,
net (***)
    
Provision for
credit losses
on loan
portfolio
    
Depreciation
and
amortization
    
Income
tax
    
Net profit
    
Additions of
fixed asset,
intangibles
and goodwill
    
Total
assets
    
Total
liabilities
  
Universal Banking
                                                                  
Banco de Crédito del Perú
    
13,510
      
518
      
7,828
      
3,139
      
(1,448
)
    
(452
)
    
(1,625
)
    
4,258
      
590
      
177,907
      
157,485
  
Banco de Crédito de Bolivia
    
865
      
9
      
325
      
167
      
(69
)
    
(24
)
    
(112
)
    
68
      
15
      
12,698
      
11,838
  
      14,375       527       8,153       3,306       (1,517 )     (476 )     (1,737 )     4,326       605       190,605       169,323  
Insurance and Pension funds
                                                                                        
Pacífico Seguros y subsidiarias
    
3,763
      
63
      
727
      
620
      
–
      
(50
)
    
(12
)
    
452
      
80
      
15,905
      
13,504
  
Prima AFP
    
354
      
4
      
–
      
354
      
–
      
(23
)
    
(48
)
    
110
      
29
      
735
      
238
  
      4,117       67       727       974       –       (73 )     (60 )     562       109       16,640       13,742  
Microfinance
                                                                                        
Mibanco
    
2,750
      
–
      
2,139
      
31
      
(597
)
    
(76
)
    
(165
)
    
425
      
96
      
17,226
      
14,444
  
Mibanco Colombia (****)
    
375
      
–
      
236
      
45
      
(45
)
    
(13
)
    
(7
)
    
14
      
8
      
1,530
      
1,290
  
      3,125       –       2,375       76       (642 )     (89 )     (172 )     439       104       18,756       15,734  
Investment Banking and Wealth Management
    
923
      
90
      
98
      
666
      
–
      
(41
)
    
(15
)
    
21
      
41
      
14,051
      
10,670
  
Other segments
    
453
      
41
      
165
      
748
      
–
      
(4
)
    
(127
)
    
(603
)
    
61
      
3,476
      
2,606
  
Eliminations
    
–
      
–
      
–
      
–
      
–
      
–
      
–
      
–
      
–
      
(6,774
)
    
(4,901
)
                                                                                         
Total consolidated
    
22,993
      
725
      
11,518
      
5,770
      
(2,159
)
    
(683
)
    
(2,111
)
    
4,745
      
920
      
236,754
      
207,174
  

   
Income (*)
                                                        
2021
  
External
    
From other
segments (**)
    
Net interest,
similar
income and
expenses
    
Other
income,
net (***)
    
Provision for
credit losses
on loan
portfolio
    
Depreciation
and
amortization
    
Income
tax
    
Net profit
    
Additions of
fixed asset,
intangibles
and goodwill
    
Total
assets
    
Total
liabilities
  
Universal Banking
                                                                  
Banco de Crédito del Perú
    
11,146
      
368
      
6,192
      
3,262
      
(1,034
)
    
(441
)
    
(1,275
)
    
3,391
      
449
      
184,740
      
166,411
  
Banco de Crédito de Bolivia
    
891
      
10
      
337
      
157
      
(17
)
    
(23
)
    
(63
)
    
72
      
27
      
13,800
      
12,965
  
      12,034       378       6,529       3,419       (1,051 )     (464 )     (1,338 )     3,463       476       198,540       179,376  
Insurance and Pesion funds
                                                                                        
Pacífico Seguros y subsidiarias
    
3,544
      
64
      
610
      
228
      
–
      
(57
)
    
(5
)
    
(130
)
    
81
      
16,491
      
14,194
  
Prima AFP
    
407
      
1
      
(4
)
    
406
      
–
      
(21
)
    
(65
)
    
146
      
12
      
840
      
265
  
      3,951       65       606       634       –       (78 )     (70 )     16       93       17,331       14,459  
Microfinance
                                                                                        
Mibanco
    
2,114
      
–
      
1,860
      
(12
)
    
(504
)
    
(78
)
    
(143
)
    
266
      
50
      
16,163
      
13,800
  
Mibanco Colombia (****)
    
302
      
–
      
229
      
35
      
(4
)
    
(14
)
    
(16
)
    
43
      
8
      
1,393
      
1,159
  
      2,416       –       2,089       23       (508 )     (92 )     (159 )     309       58       17,556       14,959  
Investment banking and wealth management
    
866
      
73
      
89
      
767
      
1
      
(45
)
    
(25
)
    
147
      
11
      
14,744
      
12,990
  
Other segments
    
182
      
33
      
47
      
80
      
(1
)
    
(4
)
    
(69
)
    
(263
)
    
2
      
3,377
      
2,634
  
Eliminations
    
–
      
–
      
–
      
–
      
–
      
–
      
–
      
–
      
–
      
(6,701
)
    
(6,609
)
Total consolidated
    
19,452
      
549
      
9,360
      
4,923
      
(1,559
)
    
(683
)
    
(1,661
)
    
3,672
      
640
      
244,847
      
217,809
  


(*)
Comprising total interest and similar income, other income (includes income and expenses on commissions) and net earned premiums from insurance activities.

(**)
Comprising income derived from transactions with other segments, which were eliminated in the consolidated statement of income.

(***)
Comprising other income (include income and expenses for commissions) and insurance underwriting result.

 
  
Income (*)
                                                        
2020
  
External
    
From other segments (**)
    
Net interest,
similar
income and
expenses
    
Otros
income,
net (***)
    
Provision for
credit losses
on loan
portfolio
    
Depreciation y
amortization
    
Income
tax
    
Net profit
    
Additions of
fixed asset,
intangibles
and goodwill
    
Total
assets
    
Total
liabilities
  
Universal Banking
                                                                  
Banco de Crédito del Perú
    
10,808
      
412
      
5,992
      
2,797
      
(4,637
)
    
(428
)
    
(51
)
    
619
      
464
      
180,766
      
164,632
  
Banco de Crédito de Bolivia
    
773
      
7
      
330
      
103
      
(252
)
    
(23
)
    
139
      
(74
)
    
16
      
12,472
      
11,781
  
      11,548       419       6,322       2,898       (4,889 )     (451 )     88       545       480       193,238       176,413  
Insurance and pension funds
                                                                                        
Pacífico Seguros y subsidiarias
    
3,211
      
57
      
526
      
602
      
–
      
(59
)
    
(2
)
    
195
      
49
      
16,025
      
13,039
  
Prima AFP
    
389
      
2
      
(8
)
    
388
      
–
      
(21
)
    
(67
)
    
148
      
7
      
1,108
      
408
  
      3,600       59       518       990       –       (80 )     (69 )     343       56       17,133       13,447  
Microfinance
                                                                                        
Mibanco
    
1,972
      
–
      
1,506
      
24
      
(1,118
)
    
(86
)
    
142
      
(379
)
    
51
      
15,649
      
13,540
  
Mibanco Colombia (****)
    
238
      
–
      
165
      
28
      
(75
)
    
(14
)
    
19
      
(51
)
    
13
      
1,208
      
993
  
      2,210       –       1,671       52       (1,193 )     (100 )     161       (430 )     64       16,857       14,533  
Investment Banking and Wealth Management
    
1,102
      
31
      
70
      
920
      
–
      
(35
)
    
(34
)
    
(78
)
    
29
      
11,715
      
9,995
  
Other segments
    
(78
)
    
16
      
(12
)
    
(96
)
    
2
      
(4
)
    
(36
)
    
(46
)
    
4
      
3,484
      
2,531
  
Eliminations
    
–
      
–
      
–
      
–
      
–
      
–
      
–
      
–
      
–
      
(5,021
)
    
(4,958
)
                                                                                         
Total consolidated
    
18,415
      
525
      
8,569
      
4,766
      
(6,080
)
    
(670
)
    
110
      
334
      
633
      
237,406
      
211,961
  


(*)
Comprising total interest and similar income, other income (includes income and expenses on commissions) and net earned premiums from insurance activities.

(**)
Comprising income derived from transactions with other segments, which were eliminated in the consolidated statement of income.

(***)
Comprising other income (including income and expenses for commissions) and insurance underwriting result.
  (****)
Banco Compartir S.A. and Edyficar S.A.S merged in October 2020 to form Mibanco Colombia.

  (ii)
The following table shows (in millions of soles) the distribution of the total revenue, operating revenue and non-current assets of the Group; all assigned based on the location of the clients and assets, respectively, as of December 31, 2022, 2021 and 2020:

   
2022
    
2021
    
2020
  
   
Total
income (*)
    
Operating
income (**)
    
Total non
current
assets (***)
    
Total
liabilities
    
Total
income (*)
    
Operating
income (**)
    
Total non
current
assets (***)
    
Total
liabilities
    
Total
income (*)
    
Operating
income (**)
    
Total non
current
assets (***)
    
Total
liabilities
  
Peru
    
16,127
      
11,518
      
4,325
      
181,210
      
17,330
      
8,682
      
3,773
      
188,505
      
16,485
      
8,411
      
3,825
      
187,291
  
Bermuda
    
5,151
      
(28
)
    
134
      
2,123
      
18
      
(17
)
    
134
      
2,174
      
(14
)
    
(22
)
    
134
      
1,930
  
Panama (****)
   
295
      
105
      
3
      
8,384
      
309
      
103
      
30
      
10,389
      
261
      
(73
)
    
32
      
7,321
  
Cayman Islands    
72
      
72
      
–
      
139
      
17
      
–
      
–
      
88
      
97
      
112
      
–
      
83
  
Bolivia
    
960
      
377
      
113
      
11,885
      
978
      
373
      
121
      
13,012
      
853
      
357
      
101
      
11,870
  
Colombia
    
193
      
132
      
22
      
2,283
      
601
      
213
      
415
      
2,610
      
566
      
144
      
451
      
2,607
  
United States of America
   
8
      
–
      
5
      
15
      
33
      
1
      
1
      
5
      
33
      
–
      
3
      
6
  
Chile
    
187
      
4
      
119
      
1,132
      
166
      
1
      
131
      
1,026
      
134
      
(2
)
    
171
      
853
  
Others
     –       –       3       3       –       –       –       –       –       –       –       –  
Total consolidated
    
22,993
      
12,180
      
4,724
      
207,174
      
19,452
      
9,356
      
4,605
      
217,809
      
18,415
      
8,927
      
4,717
      
211,961
  


(*)
Including total interest and similar income, other income and net premiums earned from insurance activities.

(**)
Operating income includes the income from interest and similar expenses from banking activities and insurance underwriting result.

(***)
Non-current assets consist of property, furniture and equipment (fixed assets), intangible assets and goodwill and right-for-use assets, net.

(****)
In August 2021, the merger by absorption between ASB Bank Corp. and Atlantic Security Bank (absorbed entity) was carried out. See more detail in Note 2(a).