| Fee income from financial services, net |
20.Fee income from financial services, net (a)This caption is comprised of the following:
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2025 |
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2024 |
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2023 |
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S/(000) |
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S/(000) |
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|
S/(000) |
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Income |
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Performance obligations at a point in time: |
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Accounts maintenance, carriage, transfers, and debit and credit card fees |
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797,419 |
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755,432 |
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747,568 |
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Income from services (acquirer and issuer role) (b) |
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718,192 |
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733,885 |
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738,177 |
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Banking service fees |
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241,186 |
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196,985 |
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208,420 |
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Brokerage and custody services |
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12,196 |
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8,116 |
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5,811 |
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Others |
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24,433 |
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30,370 |
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36,393 |
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Performance obligations over time: |
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Funds management |
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177,450 |
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158,928 |
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137,137 |
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Contingent loans fees |
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65,988 |
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67,045 |
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68,355 |
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Collection services |
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51,520 |
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55,978 |
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60,648 |
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Others |
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27,376 |
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18,694 |
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28,757 |
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Total (c) |
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2,115,760 |
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2,025,433 |
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2,031,266 |
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Expenses |
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Expenses for services (acquirer and issuer role) (b) |
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(346,441 |
) |
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(343,038 |
) |
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(339,846 |
) |
Credit cards |
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(162,571 |
) |
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(177,492 |
) |
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(199,464 |
) |
Credit card processing commissions |
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(114,604 |
) |
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(103,838 |
) |
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(85,741 |
) |
Local banks fees |
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(75,522 |
) |
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(71,564 |
) |
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(58,956 |
) |
Digital services fees |
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(71,059 |
) |
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(53,857 |
) |
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(19,451 |
) |
Credit life insurance premiums |
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(67,244 |
) |
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(71,239 |
) |
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(71,796 |
) |
Foreign banks fees |
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(27,809 |
) |
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(25,778 |
) |
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(26,285 |
) |
Registry expenses |
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(2,380 |
) |
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(1,865 |
) |
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(1,466 |
) |
Others |
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(28,499 |
) |
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(33,819 |
) |
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(49,799 |
) |
Total |
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(896,129 |
) |
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(882,490 |
) |
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(852,804 |
) |
Net |
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1,219,631 |
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1,142,943 |
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1,178,462 |
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(b)Corresponds to the management and operation of the shared service of transaction processing of credit and debit cards, for clients of Izipay. (c)Fee income by geographic distribution for the years ended December 31, 2025, 2024 and 2023 is presented below:
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2025 |
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2024 |
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2023 |
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S/(000) |
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S/(000) |
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|
S/(000) |
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Country |
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Peru |
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2,005,345 |
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1,919,295 |
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1,931,303 |
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Panama |
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110,415 |
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106,138 |
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|
99,963 |
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Total |
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2,115,760 |
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2,025,433 |
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2,031,266 |
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