The Register · Peru
Who lends in Peru, and who owns them.
Loans and deposits of the multiple banks (empresas bancarias) in the SBS's monthly balance sheets; Banco de Crédito del Perú without its foreign branches, Jan 2023 to Aug 2026, read from the regulator's own files. The banks add up to the SBS's own Total Banca Múltiple column, in soles and in dollars, for loans, deposits and assets, every month; each bank's gross loans less provisions match its net-loans line.
US$118.9bnBank loans, all 20 banks, Aug 2026
69.5%Held by the three largest banks: Banco de Crédito del Perú, Banco BBVA Perú, Interbank
+10.2%Change in the system's loan book over twelve months at constant exchange rates
US$37,000Deposit insurance per depositor and per bank
All banks
20 banks, ranked by loans.
| # | Bank | Regional group | Loans, US$m | Share | 12 months | Deposits, US$m | 12 months | Trend |
|---|---|---|---|---|---|---|---|---|
| 1 | Banco de Crédito del Perú | Credicorp | 40,644 | 34.18% | +14.0% | 45,937 | +17.0% | |
| 2 | Banco BBVA Perú | BBVA | 25,978 | 21.84% | +12.3% | 26,457 | +13.5% | |
| 3 | Interbank | 15,982 | 13.44% | +8.4% | 16,964 | +16.6% | ||
| 4 | Scotiabank Perú | Scotiabank | 15,196 | 12.78% | +2.7% | 15,996 | +19.1% | |
| 5 | Banco Interamericano de Finanzas | 4,728 | 3.98% | +7.4% | 5,041 | +11.3% | ||
| 6 | Mibanco | Credicorp | 4,490 | 3.78% | +17.9% | 3,484 | +9.8% | |
| 7 | Banco Pichincha | 2,058 | 1.73% | -10.4% | 2,018 | -4.9% | ||
| 8 | Banco Santander Perú | Santander | 1,676 | 1.41% | -1.4% | 1,928 | +25.8% | |
| 9 | Compartamos Banco | 1,461 | 1.23% | +13.0% | 1,061 | +18.3% | ||
| 10 | Banco GNB | 1,307 | 1.10% | +6.2% | 1,340 | +3.1% | ||
| 11 | Banco Falabella Perú | 1,177 | 0.99% | +10.0% | 1,132 | +12.8% | ||
| 12 | Santander Consumer Bank | Santander | 787 | 0.66% | +13.8% | 450 | +21.4% | |
| 13 | Banco BCI Perú | 753 | 0.63% | +28.5% | 1,068 | +45.8% | ||
| 14 | Bancom | 548 | 0.46% | +4.5% | 430 | +3.6% | ||
| 15 | Citibank | 476 | 0.40% | -8.1% | 1,522 | +15.6% | ||
| 16 | Banco Ripley | 454 | 0.38% | +9.1% | 453 | +10.5% | ||
| 17 | Banco Efectiva | 429 | 0.36% | – | 379 | – | ||
| 18 | Alfin Banco | 340 | 0.29% | +23.4% | 372 | +18.7% | ||
| 19 | Banco ICBC | 327 | 0.27% | -1.6% | 543 | +16.0% | ||
| 20 | Bank of China | 108 | 0.09% | +87.4% | 580 | +12.2% |
Loans: Gross direct loans (current, refinanced and restructured, and past due), before provisions. Twelve-month changes at constant exchange rates. New in the last year: Banco Efectiva. Trend: quarter-ends in local currency as reported, latest month last.
Safety net and sources
What stands behind a deposit.
- S/ 123,000 per depositor and per bank, about US$36,585, for September to November 2026; the FSD re-sets the limit each quarter. It covers named deposits (demand, savings, term and CTS, with interest) of individuals and private non-profits; other companies are covered on demand deposits only (Fondo de Seguro de Depósitos; Ley 26702, art. 153).
Cobertura (monto máximo de cobertura, setiembre – noviembre 2026) · Fondo de Seguro de Depósitos · sha256 e0ac02f0b8a9 - SBS, thousands of soles; converted at each month's SBS accounting exchange rate (month-end, the rate the banks' dollar books are stated at; within 0.5% of the BCRP month-end interbank rate); twelve-month changes at constant exchange rates.
- Balance General por Empresa Bancaria, agosto 2026 · Superintendencia de Banca, Seguros y AFP · sha256 e3ba1f63e3aa
- Tipo de cambio fin de periodo, interbancario promedio (PN01216PM), ene 2023 - ago 2026 · Banco Central de Reserva del Perú · sha256 94892ecdfe25
- Plus 44 monthly SBS workbooks, Jan 2023 to Aug 2026, each locked by SHA-256 in the pipeline.