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v3.23.1

INTEREST, SIMILAR INCOME AND SIMILAR EXPENSES | 12 Months Ended
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Dec. 31, 2022
INTEREST, SIMILAR INCOME AND SIMILAR EXPENSES [Abstract] |
INTEREST, SIMILAR INCOME AND SIMILAR EXPENSES |
22 | INTEREST, SIMILAR INCOME AND SIMILAR EXPENSES
This item consists of the following:
|  | 2022 |  |  | 2021 |  |  | 2020 |
|  | S/(000) |  |  | S/(000) |  |  | S/(000) |
Interest and similar income |  |  |  |  |  |  |  |  |  |  |  |
Interest on loans |  |  | 12,419,281 |  |  |  | 10,170,680 |  |  |  | 10,027,834 |
Interest on investments at fair value through other comprehensive income |  |  | 1,593,047 |  |  |  | 1,152,542 |  |  |  | 1,097,952 |
Interest on due from banks |  |  | 458,531 |  |  |  | 49,637 |  |  |  | 74,813 |
Interest on investments at amortized cost |  |  | 382,097 |  |  |  | 323,689 |  |  |  | 226,516 |
Interest on investments at fair value through profit or loss |  |  | 38,550 |  |  |  | 50,562 |  |  |  | 47,696 |
Dividends received |  |  | 29,226 |  |  |  | 40,637 |  |  |  | 25,603 |
Other interest and similar income |  |  | 90,550 |  |  |  | 62,659 |  |  |  | 47,234 |
Total |  |  | 15,011,282 |  |  |  | 11,850,406 |  |  |  | 11,547,648 |
Interest and similar expense |  |  |  |  |  |  |  |  |  |  |  |
Interest on deposits and obligations |  |  | (1,688,245 | ) |  |  | (865,474 | ) |  |  | (1,188,335 | )
Interest on bonds and notes issued |  |  | (728,218 | ) |  |  | (836,977 | ) |  |  | (905,574 | )
Interest on due to banks and correspondents |  |  | (683,078 | ) |  |  | (435,426 | ) |  |  | (557,141 | )
Deposit Insurance Fund |  |  | (230,255 | ) |  |  | (213,741 | ) |  |  | (183,132 | )
Interest on lease liabilities |  |  | (25,054 | ) |  |  | (27,374 | ) |  |  | (32,295 | )
Other interest and similar expense |  |  | (138,337 | ) |  |  | (111,810 | ) |  |  | (112,219 | )
Total |  |  | (3,493,187 | ) |  |  | (2,490,802 | ) |  |  | (2,978,696 | )
The increase in the financial margin during 2022 is mainly due to the increase in financial income as a result of the increase in interest rates that have been growing significantly during the year 2022, both in soles and in dollars, compared to the year 2021 with rates historically low. Likewise, this growth is partially offset by the increase in financial expenses that is affected by the same increase in market rates.

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