| Summary of cash and due from banks |
(a)The detail of cash and due from banks is as follows:
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|
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2025 |
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|
2024 |
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|
|
S/(000) |
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|
S/(000) |
|
Cash and clearing (b) |
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|
2,348,756 |
|
|
|
2,853,187 |
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Deposits in the BCRP (b) |
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|
8,490,566 |
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|
|
7,333,818 |
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Deposits in banks (c) |
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|
1,508,621 |
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|
|
1,790,361 |
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Total cash and cash equivalent |
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|
12,347,943 |
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|
|
11,977,366 |
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Accrued interest |
|
|
12,096 |
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|
|
18,094 |
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Restricted funds (d) |
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1,675,910 |
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|
|
619,766 |
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Total |
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|
14,035,949 |
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|
|
12,615,226 |
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|
| Summary of legal reserve and restricted funds |
(b)In accordance with rules in force, Interbank is required to maintain a legal reserve to honor its obligations with the public. This reserve is comprised of funds kept in Interbank and in the BCRP and is made up as follows:
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2025 |
|
|
2024 |
|
|
|
S/(000) |
|
|
S/(000) |
|
Legal reserve (*) |
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|
|
|
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Deposits in the BCRP |
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6,149,956 |
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|
|
5,969,218 |
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Cash in vaults |
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|
2,056,545 |
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|
|
2,644,386 |
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Subtotal legal reserve |
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8,206,501 |
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|
|
8,613,604 |
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Non-mandatory reserve |
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|
|
|
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Overnight deposits in BCRP (**) |
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|
1,580,610 |
|
|
|
564,600 |
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Term deposits in BCRP (***) |
|
|
760,000 |
|
|
|
800,000 |
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Cash and clearing |
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|
292,157 |
|
|
|
208,548 |
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Subtotal non-mandatory reserve |
|
|
2,632,767 |
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|
|
1,573,148 |
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Cash balances not subject to legal reserve |
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|
54 |
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|
|
253 |
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Total |
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10,839,322 |
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|
|
10,187,005 |
|
(d)The Group maintains restricted funds related to:
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2025 |
|
|
2024 |
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S/(000) |
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|
S/(000) |
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Inter-bank transfers (*) |
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1,142,857 |
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|
|
596,648 |
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Repurchase agreements with the BCRP (**) |
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|
438,436 |
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|
|
- |
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Derivative financial instruments, Note 10(b)(i) and Note 29.1(g.2) |
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|
93,021 |
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|
21,568 |
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Others |
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|
1,596 |
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|
|
1,550 |
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Total |
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|
1,675,910 |
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|
619,766 |
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