Deposits and obligations

12 Months Ended

Dec. 31, 2025

11.

Deposits and obligations

(a)

This caption is made up as follows:


	2025		2024
	S/(000)		S/(000)
Saving deposits		21,934,950		19,411,720
Time deposits (d)		19,243,949		19,891,128
Demand deposits		14,084,761		13,746,684
Compensation for service time		756,949		711,806
Other obligations		7,021		6,690
Total		56,027,630		53,768,028

(b)

Interest rates applied to deposits and obligations are determined based on the market interest rates.

(c)

As of December 31, 2025 and 2024, deposits and obligations of approximately S/22,138,836,000 and S/19,978,058,000, respectively, are covered by the Peruvian Deposit Insurance Fund. Likewise, at those dates, the coverage of the Deposit Insurance Fund by each client is up to S/116,700 and S/121,600, respectively.

(d)

The table below presents the balance of time deposits classified by maturity as of December 31, 2025 and 2024:


	2025		2024
	S/(000)		S/(000)
Within 1 month		7,030,403		7,744,887
Between 1 and 3 months		6,134,833		5,179,603
Between 3 months and 1 year		5,428,902		6,263,412
Between 1 and 5 years		353,762		413,031
More than 5 years		296,049		290,195
Total		19,243,949		19,891,128