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CONSOLIDATED STATEMENT OF FINANCIAL POSITION - PEN (S/)
S/ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Cash and due from banks:    
Non-interest-bearing S/ 7,535,259 S/ 7,952,371
Interest-bearing 40,119,937 25,978,577
Total cash and due from banks 47,655,196 33,930,948
Cash collateral, reverse repurchase agreements and securities borrowing 1,033,177 1,410,647
Investments:    
At fair value through profit or loss 4,715,343 4,982,661
At fair value through other comprehensive income 34,208,187 32,774,078
At fair value through other comprehensive income pledged as collateral 5,934,451 4,269,862
Total at fair value through other comprehensive income investments 40,142,638 37,043,940
Amortized cost 7,904,517 7,924,830
Amortized cost pledged as collateral 1,063,360 2,264,097
Total investments at amortized cost 8,967,877 10,188,927
Loans, net:    
Loans 145,732,273 144,976,051
Allowance for loan losses [1] (7,994,977) (8,277,916)
Total loans, net 137,737,296 136,698,135
Financial assets designated at fair value through profit or loss 932,734 810,932
Reinsurance contract assets 841,170 872,046
Property, furniture and equipment, net 1,438,609 1,357,525
Due from customers on banker's acceptances 528,184 412,401
Intangible assets and goodwill, net 3,289,157 3,225,499
Right-of-use assets, net 402,538 499,715
Deferred tax assets, net 1,170,866 1,182,195
Other assets 7,234,155 6,224,617
Total assets 256,088,940 238,840,188
Deposits and obligations:    
Non-interest-bearing 47,160,191 42,234,498
Interest-bearing 114,681,875 105,470,496
Total deposits and obligations 161,842,066 147,704,994
Payables from repurchase agreements and securities lending 9,060,710 10,168,427
Due to banks and correspondents 10,754,385 12,278,681
Due from customers on banker's acceptances 528,184 412,401
Lease liabilities 404,817 512,579
Financial liabilities at fair value through profit or loss 151,485 641,915
Insurance contract liability 13,422,285 12,318,133
Bonds and notes issued 17,268,443 14,594,785
Deferred tax liabilities, net 59,025 107,517
Other liabilities 7,620,306 6,993,691
Total liabilities 221,111,706 205,733,123
Equity attributable to Credicorp's equity holders:    
Capital stock 1,318,993 1,318,993
Treasury stock (208,879) (208,033)
Capital surplus 176,307 228,239
Reserves 27,202,665 26,252,578
Other Reserves 214,627 295,783
Retained earnings 5,642,738 4,572,444
Total equity attributable to owners of parent 34,346,451 32,460,004
Non-controlling interest 630,783 647,061
Total equity 34,977,234 33,107,065
Total liabilities and equity S/ 256,088,940 S/ 238,840,188
[1] As of December 31, 2024, and 2023, the allowance for loan losses for direct loans, indirect loans and due from customers on banker’s acceptances, was determined under the expected credit loss model as established in IFRS 9. The movement in the allowance for loan losses is shown below for direct loans and indirect loans and due from customers on banker’s acceptances: