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Banco de Credito del Peru
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Banco de Credito del Peru Headquarters Calle Centenario 156, Urb. Santa Patricia; Lima; Lima; LIMA 12 |
Status: Listed Legal Form: Public Limited Company Operational Status: Operational Fiscal ID (ISIN CODE ): PEP120001008 Fiscal ID (RUC): 20100047218 Financial Auditors: Ernst & Young (2010) Incorporation Date: Total Employees: 15,322 Tel: +51-1-3132000 |
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Company Description |
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Banco de Credito del Peru, is the oldest commercial bank in Peru, founded as a company on April 3rd, 1889, under the name Banco Italiano, changing its name in 1942 by Banco de Credito del Peru. The Bank is the principal subsidiary of Credicorp Ltd, from the creation of this in 1995. Additional to its operations in Peru, the Bank has a subsidiary in Bolivia, and two branches in Miami and Panama. The Bank structures its business in four areas: (i) Corporate Banking, (ii) Banking Company, |
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Company Analysis |
| According to the Consolidated - Non-Audited financial statement for the third quarter of 2012, total net operating revenues increased with 22.28%, from PEN 1,195,676 thousands to PEN 1,462,114 thousands. Operating result increased from PEN 585,292 thousands to PEN 591,933 thousands which means 1.13% change. The results of the period decreased -4.84% reaching PEN 394,101 thousands at the end of the period against PEN 414,151 thousands last year. Return on equity (Net income/Total equity) went from 7.01% to 5.62%, the Return On Asset (Net income / Total Asset) went from 0.58% to 0.46% and the Net Profit Margin (Net Income/Net Sales) went from 34.64% to 26.95% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 1110.93% compared to 1113.56% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 0.88 to 0.90 when compared to the previous year. |
Key Executives |
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FULL COMPANY PROFILE
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2012 Q4 (cons) |
2012 Q3 (cons) |
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| Non-Audited | Non-Audited | |
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| BVL-EEFF2 | BVL-EEFF2 | |
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| Unit | Thousands | Thousands |
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Balance Sheet
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Total Assets |
90,650,142 |
84,962,544 |
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Current Assets |
59,012,719 |
55,463,311 |
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Total Liabilities |
83,321,526 |
77,946,226 |
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Shareholders Equity |
7,328,616 |
7,016,318 |
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Current Liabilities |
66,935,731 |
61,688,672 |
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| * All the accounts are in PEN. | ||
Income Statement
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Total Operating Revenue |
1,494,173 |
1,462,114 |
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Operational Profit (Loss) |
490,868 |
591,933 |
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Net Profit (Loss) |
364,218 |
394,101 |
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| * All the accounts are in PEN. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
0.4% |
0.46% |
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Return on Equity (ROE) |
4.97% |
5.62% |
| Efficiency Ratios | ||
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Current asset turnover |
0.88x |
0.90x |
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Asset Turnover |
0.02x |
0.02x |
| Valuation figures and ratios | ||
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EBITDA |
2,299,534 |
2,202,608 |
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Enterprise value |
83,089,292 |
80,888,714 |
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Enterprise Value / EBITDA |
36.13 |
36.72 |
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Bookvalue (BV) |
6,460,386 |
6,047,489 |
| Liquidity Ratios | ||
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Current Ratio |
88.16% |
89.91% |
| Leverage Ratios | ||
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Leverage ratio |
1,236.93% |
1,210.93% |
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Debt to equity |
1,136.93% |
1,110.93% |
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Debt to total assets |
91.92% |
91.74% |
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Long Term Debt to Capital |
69.1% |
69.85% |
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Debt / Enterprise Value |
100.28% |
96.36% |
| Market ratios | ||
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Price/Book Ratio |
0.16 |
0.16 |
| Trend Ratios | ||
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Net Income Trend |
107.25% |
95.16% |
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