Source: FINANCIAL INSTITUTIONS IN LATIN AMERICA NET INCOME REPORT
Scope of Analysis and Data Coverage
As of November 2025, the Peruvian financial sector presents a broadly profitable profile across banks, financial institutions and cooperatives. According to the 2025 Latin America Financial Institutions Performance Report, which analyzes the financial statements of more than 2,000 institutions across 18 Latin American countries on a recurring basis, a total of 47 financial entities were surveyed in Peru during the period under review.
Profitability Across the Financial System
Out of the 47 institutions analyzed, 45 reported positive net results, representing 96% of the total sample. This exceptionally high share of profitable entities confirms the resilience of the Peruvian financial system and reflects a competitive environment in which sustained profitability has become a structural feature rather than an isolated outcome.
Aggregate Net Results of the Sector
The total net result of the Peruvian financial sector reached USD 4,256 million by the end of November 2025. Measured in local currency, this figure is equivalent to PEN 14,086 million. These results position Peru as one of the strongest profit-generating financial markets in Latin America, highlighting both the depth of the system and the scale of its leading institutions.
Industry Benchmark and Competitive Threshold
An industry benchmark net result of USD 59.5 million was calculated based on the performance of all competitors operating in the country. This benchmark is a comprehensive metric that goes beyond a simple average, as it incorporates the industry’s average and median results while also reflecting the distribution of profits across all competing institutions. By capturing both central tendency and profit concentration, the benchmark provides a more accurate representation of the sector’s underlying profitability dynamics and defines the level of performance required to stand out within the Peruvian financial market.
Leading Institutions by Net Result
Profit generation within the sector remains highly concentrated among a limited number of large institutions. Banco de Crédito del Perú leads the ranking with net earnings of USD 1,811 million, followed by BBVA Perú with USD 666 million. Scotiabank Perú reported net results of USD 398 million, closely followed by Interbank with USD 392 million, while Mibanco completed the top five with net earnings of USD 151 million.
Profit Concentration and Market Dominance
Taken together, the five institutions with the highest net results accounted for 80.3% of total profits generated by the Peruvian financial sector during the period analyzed. This concentration underscores the dominant role of the largest banking groups in shaping overall industry performance and competitive dynamics.
Second-Tier Institutions and Market Depth
Beyond the top tier, Citibank recorded net results of USD 121 million. Banco Santander Perú achieved earnings of USD 79 million, while Banco Interamericano de Finanzas reported USD 77 million. CMAC Huancayo posted net results of USD 70 million, Compartamos Banco reached USD 67 million, and Banco Falabella Perú closed the period with net earnings of USD 52 million. This group of institutions illustrates a diversified layer of profitable competitors contributing to the overall stability and depth of the market.
Outlook for the Peruvian Financial Sector
Overall, the November 2025 results confirm a Peruvian financial sector characterized by widespread profitability, a clearly defined industry benchmark, and a strong concentration of earnings among leading institutions. The data highlights a market where scale, efficiency and competitive positioning remain decisive factors in capturing a disproportionate share of industry profits, while a broad base of institutions continues to operate above break-even levels within an increasingly demanding competitive environment.