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INTEREST, SIMILAR INCOME AND SIMILAR EXPENSES (Tables) | 12 Months Ended
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Dec. 31, 2021
INTEREST, SIMILAR INCOME AND SIMILAR EXPENSES [Abstract] |
Interest, Similar Income and Similar Expense |
| a) | This item consists of the following:
|  | 2021 |  |  | 2020 |  |  | 2019 |
|  | S/(000) |  |  | S/(000) |  |  | S/(000) |
Interest and similar income |  |  |  |  |  |  |  |  |  |  |  |
Interest on loans |  |  | 10,170,680 |  |  |  | 10,027,834 |  |  |  | 10,664,519 |
Interest on investments at fair value through other comprehensive income (i) |  |  | 1,152,542 |  |  |  | 1,097,952 |  |  |  | 1,070,469 |
Interest on investments at amortized cost (ii) |  |  | 323,689 |  |  |  | 226,516 |  |  |  | 194,803 |
Interest on investments at fair value through profit or loss |  |  | 50,562 |  |  |  | 47,696 |  |  |  | 46,170 |
Interest on due from banks (iii) |  |  | 49,637 |  |  |  | 74,813 |  |  |  | 320,713 |
Dividends received |  |  | 40,637 |  |  |  | 25,603 |  |  |  | 25,259 |
Other interest and similar income |  |  | 62,659 |  |  |  | 47,234 |  |  |  | 59,731 |
Total |  |  | 11,850,406 |  |  |  | 11,547,648 |  |  |  | 12,381,664 |
Interest and similar expense |  |  |  |  |  |  |  |  |  |  |  |
Interest on deposits and obligations (iv) |  |  | (865,474 | ) |  |  | (1,188,335 | ) |  |  | (1,458,910 | )
Interest on bonds and notes issued |  |  | (800,801 | ) |  |  | (883,913 | ) |  |  | (900,172 | )
Interest on due to banks and correspondents (v) |  |  | (435,426 | ) |  |  | (557,141 | ) |  |  | (590,908 | )
Deposit Insurance Fund |  |  | (213,741 | ) |  |  | (183,132 | ) |  |  | (151,626 | )
Interest on lease liabilities |  |  | (27,374 | ) |  |  | (32,295 | ) |  |  | (36,484 | )
Other interest and similar expense |  |  | (145,610 | ) |  |  | (131,490 | ) |  |  | (151,813 | )
Total |  |  | (2,488,426 | ) |  |  | (2,976,306 | ) |  |  | (3,289,913 | )
| (i) | The increase corresponds mainly to a higher yield on investments indexed by the Constant Updating Value (VAC), due to the increase in inflation, 6.43 percent in 2021 compared to 1.97 percent in 2020.
| (ii) | The variation corresponds mainly to the increase in nominal amounts, in sovereign bonds, generating a yield of S/130.2 million in these investments.
| (iii) | During the year 2021, the item suffered a decrease that is mainly due to a significant drop in the interest rate remunerated by the BCR to the ordinary reserve accounts. See Note 4.
| (vi) | The variation corresponds mainly to a decrease in interest on time and demand deposits as a result of lower rates offered in the market, as well as a reduction in CTS deposits after the government liberalized access to these funds.
| (v) | During the year 2021, the balance of loans from international funds and collateralized repurchase agreements have decreased; as well as interest rates that have generated a lower interest accrual in the 2021 period.

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