Insurers.global
Illustrated portrait of Peru; geographic and cultural interpretation, not regulator premises.
← The regulatory atlasCOUNTRY PERSPECTIVE / Peru

Integrated banking, insurance and pensions supervisor

PeruSBS

Insurance supervision in Peru.

AI-generated country illustrationSources checked

01 / The institution

Superintendencia de Banca, Seguros y AFP

The law establishes the financial and insurance supervisory framework and the organic mandate of the superintendency. The official library provides dated consolidated versions.

How it is structured

Integrated banking, insurance and pensions supervisor

Institutional source ↗

The legal foundations

Mandate, written into law.

Establishing legislation and the rules governing insurance may be different instruments.

02 / Market signals

The numbers, with context.

Figures retain the reporting period and accounting basis of their source. They are snapshots, not live indicators or directly comparable country rankings.

2025PEN 24bn

Net insurance premiums

Rounded annual total, compared with PEN 22bn in 2024.

Pages 44–45 ↗
2025PEN 89bn

Insurance-system assets

Year-end 2025 balance-sheet total.

Pages 44–45 ↗

Insurance penetration. A current premium-to-GDP ratio has not been independently verified for this profile. No estimate is substituted.

03 / The report notebook

A dated view of the market.

What we noted in the regulator’s publications. Each entry separates the period covered, publication date when known, and our review date.

ReviewedNOTE 01

2025

SBS Annual Report 2025 ↗

Insurance-system assessment on pages 44–45 reviewed. Premiums retain SBS’s net-premium definition rather than being relabelled as gross written premiums.

Claims ratio

39.4%

The ratio declined from 43.08% in 2024; the solvency indicator was 1.29 times capital requirements.

SBS Annual Report 2025Pages 44–45 · Country illustration
Read the original publication ↗

04 / Official contacts

Reach the institution.

Public institutional channels, checked 17 September 2026.

Research trail

Sources you can follow.

Independent editorial research by Insurers Global. Source dates do not certify that a law includes every subsequent amendment.

  1. Leyes principales de los sistemas supervisados ↗Checked
  2. Institutional website — contact route ↗Checked
  3. SBS Annual Report 2025 ↗Checked

Country scenes are AI-generated illustrations made with OpenAI image tools, not official regulator photographs or endorsements. Quotations remain searchable text. Report figures and directory verification are maintained separately.