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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Credicorp
Credicorp (BAP) investor relations material
Credicorp Corporate presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Corporate presentation summary28 Aug, 2026
Business overview and strategy
Holds leading market positions in universal banking, microfinance, insurance, pensions, and investment management in Peru, with expanding operations in Colombia and Bolivia.
Focuses on financial inclusion, digital transformation, and disciplined innovation to drive growth and societal impact.
Integrated digital ecosystem leverages platforms like Yape and Tenpo to enhance efficiency and customer experience.
Innovation portfolio targets a 10% risk-adjusted revenue contribution by 2026, with Yape reaching maturity.
Strategic priorities include scaling digital capabilities, unlocking synergies, and delivering resilient returns.
Financial performance and key metrics
Net income for June 2026 reached S/ 4,045 million, with total assets at S/ 282,917 million.
ROE improved to 21.2% in 1H26, with a risk-adjusted NIM of 5.7% and NPL ratio down to 4.1%.
Loan growth accelerated to 13.1% YoY, driven by retail and SME segments.
Efficiency ratio remained stable at 45.6%, reflecting ongoing investments in innovation and digitalization.
Capital ratios remain above regulatory requirements, supporting growth and resilience.
Segment highlights
Universal banking (BCP) leads in loans and deposits, with a 29% market share and 28.2% ROE.
Yape, the digital payments and lending platform, reached 16.7 million MAUs and contributed 8.9% of risk-adjusted revenue.
Mibanco is the top microfinance provider in Peru, with strong loan growth and 22.9% ROE.
Insurance and pensions businesses are #2 in Peru, with Pacifico and Prima AFP showing robust growth and profitability.
Investment management and advisory delivered a 23.5% ROE, with AUMs growing over 30% YoY.
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Latest events from Credicorp
- FY23 earnings grew despite rising credit costs; FY24 ROE guidance is ~17%.BAP
Q4 2023 - Q2 ROE reached 20.3%; medium-term outlook rose to ~22% amid El Niño risks.BAPQ2 2026
- Record Q1 2026 net income and 21.1% ROE, fueled by loan growth and digital innovation.BAPQ1 2026
- Market leader in Peru, driving growth and inclusion through digital innovation and strong returns.BAPInvestor presentation
- Record net income, 19% ROE, and digital expansion set a strong outlook for 2026.BAPQ4 2025
- ROE 19.6%, NIM 6.57%, net income up 14.1% YoY, digital and asset quality gains.BAPQ3 2025
- Digital innovation, ecosystem expansion, and financial inclusion drive sustainable growth and 19.5% ROE.BAPInvestor Day 2025
- ROE at 16.2%, NII up 8.2% YoY, Yape breakeven, and 2024 ROE guidance reaffirmed.BAPQ2 2024
- ROE hit 20.3% with record net income and asset quality; outlook remains positive but cautious.BAPQ1 2025
Next Credicorp earnings date
Q3 202610 Nov, 2026
Credicorp
Next Credicorp earnings date
Q3 202610 Nov, 2026
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Frequently asked questions
Credicorp Ltd. is a financial services holding company based in Peru, providing a wide range of financial, insurance, and health services and products primarily in Peru and also internationally. The company operates through several segments, including Universal Banking, which offers various credits and financial instruments alongside deposits and checking accounts to individuals and legal entities. Its Insurance and Pensions segment deals with issuing insurance policies covering commercial property, transport, marine vessels, automobiles, life, health, and pensions, as well as managing services for private pension funds. The Microfinance segment focuses on loans, deposits, and checking accounts for small and microenterprises, while the Investment Banking and Wealth Management segment offers brokerage and investment management services to corporations, institutional investors, governments, and foundations. The company is headquartered in Lima, Peru, and its shares are listed on the New York Stock Exchange.