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OPERATING SEGMENTS (Tables) | 12 Months Ended
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Dec. 31, 2020
OPERATING SEGMENTS |
Schedule of breakdown of the group's total income, operating income and non-current assets form segemnt |
| (i) |  | The following table presents information recorded in the results and for certain items of the assets corresponding to the Group’s reportable segments (in millions of soles) as of December 31, 2020, 2019 and 2018:
|  |  |  |  |  | Net interest, |  |  |  | Provision for |  |  |  |  |  |  |  | Additions of |  |  |  |
|  | Income (*) |  | similar |  | Other |  | credit losses |  | Depreciation |  |  |  |  |  | fixed asset, |  |  |  |
|  |  |  | From other |  | income and |  | income, |  | on loan |  | and |  | Income |  |  |  | intangibles |  | Total |  | Total
2020 |  | External |  | segments (**) |  | expenses |  | net (***) |  | portfolio |  | amortization |  | tax |  | Net profit |  | and goodwill |  | assets |  | liabilities
Universal Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de Crédito del Perú |  | 10,775 |  | 412 |  | 6,092 |  | 2,795 |  | (4,637) |  | (428) |  | (51) |  | 619 |  | 464 |  | 180,766 |  | 164,632
Banco de Crédito de Bolivia |  | 773 |  | 7 |  | 330 |  | 103 |  | (252) |  | (23) |  | 139 |  | (74) |  | 16 |  | 12,472 |  | 11,781
Insurance and Pension funds |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pacífico Seguros y subsidiarias |  | 3,211 |  | 57 |  | 526 |  | 602 |  | — |  | (59) |  | (2) |  | 195 |  | 49 |  | 16,025 |  | 13,039
Prima AFP |  | 389 |  | 2 |  | (8) |  | 388 |  | — |  | (21) |  | (67) |  | 148 |  | 7 |  | 1,108 |  | 408
Microfinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mibanco |  | 1,972 |  | — |  | 1,550 |  | 24 |  | (1,118) |  | (86) |  | 142 |  | (379) |  | 51 |  | 15,649 |  | 13,540
Mibanco Colombia (****) |  | 238 |  | — |  | 165 |  | 28 |  | (75) |  | (14) |  | 19 |  | (51) |  | 13 |  | 1,208 |  | 993
Investment Banking and Wealth Management |  | 1,102 |  | 31 |  | 70 |  | 920 |  | — |  | (35) |  | (34) |  | (78) |  | 29 |  | 11,715 |  | 9,995
Other segments |  | (78) |  | 16 |  | 431 |  | (96) |  | 2 |  | (4) |  | (36) |  | (46) |  | 4 |  | 3,484 |  | 2,531
Eliminations |  | — |  | — |  | (585) |  | — |  | — |  | — |  | — |  | — |  | — |  | (5,021) |  | (4,958)
Total consolidated |  | 18,382 |  | 525 |  | 8,571 |  | 4,764 |  | (6,080) |  | (670) |  | 110 |  | 334 |  | 633 |  | 237,406 |  | 211,961
|  |  |  |  |  | Net interest, |  |  |  | Provision for |  |  |  |  |  |  |  | Additions of |  |  |  |
|  | Income (*) |  | similar |  | Other |  | credit losses |  | Depreciation |  |  |  |  |  | fixed asset, |  |  |  |
|  |  |  | From other |  | income and |  | income, |  | on loan |  | and |  | Income |  |  |  | intangibles |  | Total |  | Total
2019 |  | External |  | segments (**) |  | expenses |  | net (***) |  | portfolio |  | amortization |  | tax |  | Net profit |  | and goodwill |  | assets |  | liabilities
Universal Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de Crédito del Perú |  | 11,750 |  | 345 |  | 6,245 |  | 3,632 |  | (1,558) |  | (413) |  | (1,160) |  | 3,239 |  | 349 |  | 139,832 |  | 123,040
Banco de Crédito de Bolivia |  | 736 |  | 4 |  | 329 |  | 117 |  | (61) |  | (19) |  | (43) |  | 79 |  | 16 |  | 10,481 |  | 9,744
Insurance and Pension funds |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pacífico Seguros y subsidiarias |  | 3,224 |  | 23 |  | 493 |  | 346 |  | — |  | (58) |  | (6) |  | 381 |  | 45 |  | 13,785 |  | 10,964
Prima AFP |  | 457 |  | 3 |  | (1) |  | 457 |  | — |  | (20) |  | (85) |  | 197 |  | 8 |  | 909 |  | 211
Microfinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mibanco |  | 2,408 |  | 126 |  | 1,901 |  | 62 |  | (472) |  | (87) |  | (168) |  | 401 |  | 60 |  | 13,576 |  | 11,489
Mibanco Colombia (****) |  | 18 |  | — |  | 13 |  | 2 |  | (2) |  | (1) |  | 1 |  | (2) |  | 1 |  | 1,028 |  | 888
Edyficar S.A.S. (****) |  | 50 |  | — |  | 43 |  | 2 |  | (6) |  | (1) |  | (3) |  | 5 |  | 1 |  | 141 |  | 80
Investment Banking and Wealth Management |  | 968 |  | 6 |  | 69 |  | 885 |  | — |  | (22) |  | (16) |  | 230 |  | 236 |  | 9,423 |  | 7,950
Other segments |  | 63 |  | 100 |  | 443 |  | 561 |  | (1) |  | (3) |  | (143) |  | (178) |  | 87 |  | 2,998 |  | 992
Eliminations |  | — |  | — |  | (443) |  | (669) |  | — |  | — |  | — |  | — |  | — |  | (4,314) |  | (4,245)
Total consolidated |  | 19,674 |  | 607 |  | 9,092 |  | 5,395 |  | (2,100) |  | (624) |  | (1,623) |  | 4,352 |  | 803 |  | 187,859 |  | 161,113
(*) Corresponds to total interest and similar income, other income (includes income and expenses on commissions) and net earned premiums from insurance activities. (**) Corresponds to income derived from transactions with other segments, which were eliminated in the consolidated statement of income. (***) Corresponds to other income (include income and expenses for commissions) and insurance underwriting result. (****) Banco Compartir S.A. and Edyficar S.A.S merged in October 2020 to form Mibanco Colombia. See more detail in note 2 (a).
|  |  |  |  |  | Net interest, |  |  |  | Provision for |  |  |  |  |  |  |  | Additions of |  |  |  |
|  | Income (*) |  | similar |  | Other |  | credit losses |  | Depreciation |  |  |  |  |  | fixed asset, |  |  |  |
|  |  |  | From other |  | income and |  | income, |  | on loan |  | and |  | Income |  |  |  | intangibles |  | Total |  | Total
2018 |  | External |  | segments (**) |  | expenses |  | net (***) |  | portfolio |  | amortization |  | tax |  | Net profit |  | and goodwill |  | assets |  | liabilities
Universal Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de Crédito del Perú |  | 10,757 |  | 381 |  | 5,616 |  | 3,275 |  | (1,265) |  | (277) |  | (1,137) |  | 2,927 |  | 397 |  | 132,880 |  | 117,803
Banco de Crédito de Bolivia |  | 686 |  | 4 |  | 309 |  | 124 |  | (55) |  | (12) |  | (45) |  | 78 |  | 45 |  | 9,957 |  | 9,266
Insurance and Pension funds |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pacífico Seguros y subsidiarias |  | 2,700 |  | 21 |  | 446 |  | 667 |  | — |  | (51) |  | (4) |  | 353 |  | 85 |  | 12,224 |  | 9,591
Prima AFP |  | 371 |  | 2 |  | — |  | 371 |  | — |  | (18) |  | (58) |  | 140 |  | 9 |  | 875 |  | 241
Microfinance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mibanco |  | 2,468 |  | 88 |  | 1,956 |  | 156 |  | (491) |  | (49) |  | (193) |  | 462 |  | 50 |  | 13,220 |  | 11,322
Edyficar S.A.S. (****) |  | 44 |  | — |  | 40 |  | 1 |  | (4) |  | — |  | (4) |  | 5 |  | — |  | 119 |  | 62
Investment Banking and Wealth Management |  | 886 |  | (14) |  | 98 |  | 634 |  | — |  | (21) |  | (29) |  | 146 |  | 8 |  | 9,665 |  | 8,190
Other segments |  | 83 |  | 97 |  | 33 |  | 106 |  | — |  | (1) |  | (51) |  | (40) |  | 7 |  | 2,862 |  | 950
Eliminations |  | — |  | — |  | (9) |  | (454) |  | — |  | — |  | — |  | — |  | — |  | (4,539) |  | (4,428)
Total consolidated |  | 17,995 |  | 579 |  | 8,489 |  | 4,880 |  | (1,815) |  | (429) |  | (1,521) |  | 4,071 |  | 601 |  | 177,263 |  | 152,997
(*) Corresponds to total interest and similar income, other income (includes income and expenses on commissions) and net earned premiums from insurance activities. (**) Corresponds to income derived from transactions with other segments, which were eliminated in the consolidated statement of income. (***) Corresponds to other income (include income and expenses for commissions) and insurance underwriting result. (****) Banco Compartir S.A. and Edyficar S.A.S merged in October 2020 to form Mibanco Colombia. See more detail in note 2 (a).
| (ii) |  | The following table presents (in millions of soles) the distribution of the total revenue, operating revenue and non-current assets of the Group; all assigned based on the location of the clients and assets, respectively, at December 31, 2020, 2019 and 2018:
|  | 2020 |  | 2019 |  | 2018
|  |  |  |  |  | Total non |  |  |  |  |  |  |  | Total non |  |  |  |  |  |  |  | Total non |  |
|  | Total |  | Operating |  | current |  | Total |  | Total |  | Operating |  | current |  | Total |  | Total |  | Operating |  | current |  | Total
|  | income (*) |  | income (**) |  | assets (***) |  | liabilities |  | income (*) |  | income (**) |  | assets (***) |  | liabilities |  | income (*) |  | income (**) |  | assets (***) |  | liabilities
Peru |  | 16,452 |  | 8,413 |  | 3,825 |  | 187,291 |  | 17,990 |  | 9,105 |  | 3,925 |  | 142,161 |  | 16,472 |  | 8,474 |  | 3,145 |  | 135,422
Bermuda |  | (14) |  | (22) |  | 134 |  | 1,930 |  | 13 |  | 10 |  | 117 |  | 266 |  | 13 |  | 14 |  | 88 |  | 169
Panama |  | 18 |  | — |  | — |  | 491 |  | — |  | — |  | — |  | — |  | 2 |  | — |  | — |  | —
Cayman Islands |  | 340 |  | 39 |  | 32 |  | 6,913 |  | 354 |  | 88 |  | 20 |  | 5,008 |  | 285 |  | 134 |  | 3 |  | 5,465
Bolivia |  | 853 |  | 357 |  | 101 |  | 11,870 |  | 809 |  | 368 |  | 93 |  | 9,815 |  | 750 |  | 344 |  | 78 |  | 9,317
Colombia |  | 566 |  | 144 |  | 451 |  | 2,607 |  | 356 |  | 21 |  | 432 |  | 2,769 |  | 314 |  | (2) |  | 138 |  | 1,823
United States of America |  | 33 |  | — |  | 3 |  | 6 |  | 10 |  | (1) |  | 3 |  | 6 |  | 6 |  | — |  | — |  | 2
Chile |  | 134 |  | (2) |  | 171 |  | 853 |  | 142 |  | (2) |  | 209 |  | 1,088 |  | 153 |  | (6) |  | 84 |  | 799
Total consolidado |  | 18,382 |  | 8,929 |  | 4,717 |  | 211,961 |  | 19,674 |  | 9,589 |  | 4,799 |  | 161,113 |  | 17,995 |  | 8,958 |  | 3,536 |  | 152,997
(*) Including total interest and similar income, other income and net premiums earned from insurance activities. (**) Operating income includes the income from interest and similar expenses from banking activities and insurance underwriting result. (***) Non- current assets consist of property, furniture and equipment (fixed assets), intangible assets and goodwill and right-for-use assets, net.

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