| Disclosure of fee and commission income (expense) |
(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) |
|
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 |
|
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 |
|
(b)Corresponds to the management and operation of the shared service of transaction processing of credit and debit cards, for clients of Izipay.
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| Disaggregation of revenue from contracts with customers explanatory |
(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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