ADMINISTRATIVE EXPENSES (Tables)

12 Months Ended

Dec. 31, 2023

ADMINISTRATIVE EXPENSES [Abstract]

Components of administrative expenses

This item consists of the following:

			2022
	2023		(Restated)		2021
		S/(000)		S/(000)		S/(000)
IT expenses and systems outsourcing		1,080,001		908,339		741,429
Publicity and loyalty programs		720,718		652,587		486,885
Audit, consulting and professional fees		336,715		333,325		312,978
Taxes and contributions		264,326		280,171		289,484
Transport and communications		226,860		225,491		208,244
Repair and maintenance		157,127		136,105		123,232
Outsourcing		144,534		113,211		99,440
Sundry supplies		118,510		87,844		57,093
Comissions by agents		115,120		106,356		104,700
Short term, low value and variable income lease		108,357		91,680		86,417
Security and protection		64,432		64,480		63,500
Subscriptions and quotes		61,945		55,914		55,331
Electricity and water		56,359		50,566		48,886
Insurance		56,324		62,994		62,142
Electronic processing		39,764		35,896		39,528
Cleaning		22,677		20,435		20,105
Others		229,434		188,671		154,323
Total		3,803,203		3,414,065		2,953,717