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Credicorp

BAP · Financials

Last earnings Aug 17, 2026

Key results

Revenuequarter

10%

Progress in decoupling strategy with 6.2% of risk-adjusted revenues from the innovation portfolio and on track to reach 10% target by 2026.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

Net incomequarter

36.1%

2Q25 OPERATING AND FINANCIAL HIGHLIGHTS Net Income attributable to Credicorp increased 36.1% YoY and 2.5% QoQ to S/1,822.0 million, translating into an ROE of 20.7%.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

| Earnings Release 2Q / 2025 Analysis of 2Q25 Consolidated Results Net Earnings Attributable to Credicorp In 2Q25, net earnings attributable to Credicorp totaled S/1,822.0 million (+2.5% QoQ and +36.1% YoY).

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

Net incomeytd

26.3%

YTD, net earnings attributable to Credicorp increased 26.3%.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

The Loan business, nevertheless, is gainingnoteworthy traction, and increased its share of total revenue from 4% in 2Q24 to 18% in 2Q25.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

AI analysis

Q2 2025 · reported Aug 18, 2025

Based on: Earnings release (6-K exhibit) + parent 6-K — transcript not held

Headline figures

MetricQ2 2025Prior qtrYear ago
Revenue10%——
Net income36.1%——

EX-99 · Aug 18, 2025

Guidance · company-stated

No guidance located in the held release

Outlook statement

“Outlook We reaffirm our 2026 ROE guidance of around 19.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

NPL Ratio contracted across segments, improving 102 bps YoY to 5.0%, driven by debt repayments at BCP Stand-alone and a drop in overdue loans at BCP and Mibanco.

At BCP Stand-alone , the decline was driven primarily by Wholesale Banking , which reported debt repayment by an overdue client.

Company-stated claims

Aug 17, 2026

Historical · quadrupled · revenue

“Loans quadrupled YoY, hitting S/1.8 billion, with the Lending business accounting for 28% of Yape s Risk-Adjusted Revenues.”

EX-99 · Aug 17, 2026
General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Reports Financial and Operating Results for 2Q25 Strong contributions from Universal Banking and Insurance & Pensions, continued recovery in Microfinance, and higher fee-based and transactional income reinforce our diversified platform

Based on: Earnings release (6-K exhibit) + parent 6-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

NPL Ratio contracted across segments, improving 102 bps YoY to 5.0%, driven by debt repayments at BCP Stand-alone and a drop in overdue loans at BCP and Mibanco.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

At BCP Stand-alone , the decline was driven primarily by Wholesale Banking , which reported debt repayment by an overdue client.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

At BCP Stand-alone , the decrease was fueled mainly by Wholesale Banking, which was impacted primarily by debt repayment, and by Retail Banking , led by: (i) SME-Pyme, due to a reduction in overdue loans; and (ii) Consumer and Credit Cards .

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

(10) Tier 1 = Capital + Legal and other capital reserves + Accumulated earnings with capitalization agreement + (0.5 x Unrealized profit and net income in subsidiaries) - Goodwill - (0.5 x Investment in subsidiaries) + Perpetual subordinated debt (the maximum amount that can be included is 17.65% of Capital + Reserves + Accumulated earnings with capitalization agreement + Unrealized profit and net income in subsidiaries - Goodwill).

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

(ii) New clients without debt in the financial system or BCP products in the last twelve months.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

IEA Interest earning assets As of % change S/000 Jun 24 Mar 25 Jun 25 QoQ YoY Cash and due from banks 27,157,901 37,521,839 34,206,000 -8.8% 26.0% Total investments 52,426,146 55,604,610 51,603,447 -7.2% -1.6% Cash collateral, reverse repurchase agreements and securities borrowing 1,777,491 1,835,893 4,593,501 150.2% 158.4% Loans 146,946,546 141,196,646 140,961,978 -0.2% -4.1% Total interest earning assets 228,308,084 236,158,988 231,364,926 -2.0% 1.3% IEA dropped 2.0% QoQ and rose 1.3% YoY.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

Strategy & priorities

Progress in decoupling strategy with 6.2% of risk-adjusted revenues from the innovation portfolio and on track to reach 10% target by 2026.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

Operating expenses during this period increased 11.4% YoY, driven mainly by the core business at BCP Stand-alone and investments in our innovation portfolio initiatives.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

Efficiency Operating expenses rose 11.4% YTD, fueled mainly by core business at BCP Stand-alone and innovation initiatives at the Credicorp level.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

Microfinance Profitability at Mibanco rose YoY, driven mainly by a rebound in disbursements; strengthened risk management; and effective interest-rate strategies.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

| Earnings Release 2Q / 2025 Analysis of 2Q25 Consolidated Results Main Strategic Milestones at Credicorp Strategy at Credicorp Credicorp is redefining financial services in Latin America through a long-term strategy anchored in innovation, inclusion, and digital transformation.

SEC original ↗Credicorp — Earnings release (6-K exhibit)EX-99Aug 18, 2025

Documents

Earnings deck slides

0 decks with slide view

Credicorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Credicorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Credicorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Credicorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Credicorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Credicorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Credicorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Credicorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Credicorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

66 documents

Earnings releases

12 documents

Presentations

9 documents

Transcripts

0 documents

No transcripts for Credicorp are held in this edition of the library.

Mentioned by

8 companies

Other tracked companies whose held documents mention Credicorp by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.