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Credicorp
Credicorp (BAP) investor relations material
Credicorp Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary25 Feb, 2026
Strategic positioning and market leadership
Holds dominant market share across universal banking, microfinance, insurance, and investment management in Peru, with significant contributions to net income and assets from each segment.
Maintains leading positions in underpenetrated financial markets, offering clear growth avenues in Peru and the broader Andean region.
BCP is the top bank in Peru, with 76.8% of group net income and a 24.7% ROE in 2025.
Mibanco leads microfinance in Peru, with a replicable model and strong ROE, targeting millions of unbanked individuals and businesses.
Insurance and pension businesses rank #2 in Peru, the fastest-growing and least penetrated market in Latin America.
Digital transformation and innovation
Integrated digital ecosystem drives efficiency, customer experience, and scalable growth across all business lines.
Innovation portfolio targets a 10% risk-adjusted revenue contribution, with Yape reaching maturity and other initiatives scaling.
Yape, the digital payments platform, has 15.9 million MAUs and is a key driver of ecosystem value and revenue.
Technology investments and AI adoption have reduced transaction costs, improved uptime, and enhanced cybersecurity.
Data, AI, and risk management are leveraged to build a scalable, efficient digital ecosystem.
Financial performance and growth
Net income grew 26% in 2025 to S/ 7,083 million, with ROE rising to 19% and improved asset quality.
Loan growth and fee income expansion are supported by enhanced financial access and digital channels.
Maintains strong capital ratios and efficiency, with cost of risk and NPL ratios improving year-over-year.
Delivered 114% net income growth from 2010 to 2025, outpacing Peru’s nominal GDP growth.
Achieved high total shareholder returns, outperforming regional peers over 10, 20, and 30-year periods.
Innovation portfolio's ROE/C/I impact on Credicorp?
How does digital ecosystem reduce cost-to-serve?
Credicorp's TSR vs. LatAm peers over 10Y?
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Next Credicorp earnings date
Q1 202615 May, 2026
Credicorp
Next Credicorp earnings date
Q1 202615 May, 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.
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