During the close of fiscal year 2025, Caja Huancayo consolidated its position as a benchmark in the Peruvian microfinance sector thanks to impeccable strategic management. In a press conference held on January 29 at the Hotel Los Delfines, the leaders of this financial institution presented the most important points that keep them at the top.
The central manager of Administration, Rafael Camayo Piñas, announced that there is a net profit of S/ 278 million. This historical result placed Caja Huancayo in first place in profitability of assets (ROA) and equity (ROE) of the Municipal Savings and Credit Bank (CMAC) system.
Along these lines, Camayo Piñas pointed out that the institution managed to position itself in 7th place in the ranking of profits of the entire financial system. Administration expenses were below the goal programmed in the annual budget, achieving savings of S/ 24 million. This discipline in spending allowed the entity to climb positions in efficiency, occupying second place in the system.
Likewise, the central Business Manager, Ramiro Arana Pacheco, highlighted that the balance of placements reached the historic figure of S/ 9,393 million. This growth of 8.66% compared to the previous year reflects the trust placed by thousands of entrepreneurs throughout the country. The institution not only grew in volume, but also in its exclusive client base, leading the CMAC ranking with more than 282,177 clients in this category.
For her part, the central manager of Operations and Finance, Carmen Terrazos Guerra, reported exceptional performance in attracting resources from the public. Total deposits amounted to S/ 8,087 million, achieving first place in annual growth within the municipal savings bank system.
This increase was driven by savings strategies with efficient rates that prioritized liquidity and solvency. As a result, the institution achieved a global capital ratio of 14.88%, far exceeding the regulatory limit of 10%. This patrimonial robustness was strengthened by the total reinvestment of profits from strategic partners such as IDB Invest.
Finally, the internal career line was consolidated with unprecedented results. At the end of 2025, 91% of administrators and 86% of organic unit heads come from internal promotions.
