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ADMINISTRATIVE EXPENSES | 12 Months Ended
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Dec. 31, 2022
ADMINISTRATIVE EXPENSES [Abstract] |
ADMINISTRATIVE EXPENSES |
28 | ADMINISTRATIVE EXPENSES
This item consists of the following:
|  | 2022 |  |  | 2021 |  |  | 2020 |
|  |  | S/(000) |  |  |  | S/(000) |  |  |  | S/(000) |
Systems expenses (a) |  |  | 938,014 |  |  |  | 741,429 |  |  |  | 539,910 |
Publicity and loyalty programs (b) |  |  | 653,430 |  |  |  | 486,885 |  |  |  | 349,745 |
Consulting and professional fees |  |  | 338,269 |  |  |  | 312,978 |  |  |  | 219,671 |
Taxes and contributions |  |  | 305,486 |  |  |  | 289,484 |  |  |  | 266,704 |
Transport and communications |  |  | 229,110 |  |  |  | 208,244 |  |  |  | 169,616 |
Repair and maintenance |  |  | 137,946 |  |  |  | 123,232 |  |  |  | 118,369 |
Outsourcing |  |  | 118,778 |  |  |  | 99,440 |  |  |  | 69,379 |
Comissions by agents |  |  | 106,356 |  |  |  | 104,700 |  |  |  | 87,899 |
Lease |  |  | 91,680 |  |  |  | 86,417 |  |  |  | 70,404 |
Sundry supplies (c) |  |  | 87,848 |  |  |  | 57,093 |  |  |  | 67,537 |
Security and protection |  |  | 64,480 |  |  |  | 63,500 |  |  |  | 64,439 |
Insurance |  |  | 62,994 |  |  |  | 62,142 |  |  |  | 43,657 |
Subscriptions and quotes |  |  | 58,251 |  |  |  | 55,331 |  |  |  | 49,464 |
Electricity and water |  |  | 51,117 |  |  |  | 48,886 |  |  |  | 51,649 |
Electronic processing |  |  | 35,896 |  |  |  | 39,528 |  |  |  | 36,920 |
Cleaning |  |  | 20,435 |  |  |  | 20,105 |  |  |  | 22,900 |
Others (d) |  |  | 205,011 |  |  |  | 154,323 |  |  |  | 155,455 |
Total |  |  | 3,505,101 |  |  |  | 2,953,717 |  |  |  | 2,383,718 |
| (a) | The increase is mainly due to higher support expenses in Information technology, maintenance services and license renewal, as well as the increase in greater execution of strategic initiatives in software tools for digital transformation improvements.
| (b) | The increase is mainly due to higher marketing and advertising expenses; especially in Tenpo Prepago SpA and Tenpo Technology SpA to attract new customers and promote the use of their products. Additionally, the increase in expenses related to customer loyalty and acquisition programs, mainly in BCP.
| (c) | The increase is mainly due to the growth in the consumption of credit cards, such as Credimas, Amex and Visa with chip, as well as the greater consumption of the physical token for accessing platforms such as Internet Banking and Mobile Banking.
| (d) | The variation is mainly due to the increase in rates such as risk centers, growth in collections from alternative channels and other services.

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- Definition The disclosure of general and administrative expenses. [Refer: Administrative expenses] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2022-03-24 -Paragraph 10 -Subparagraph e -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2022-en-r&anchor=para_10_e&doctype=Standard -URIDate 2022-03-24 + Details
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