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Visual21 Nov 2025
Data center suppliers
Credicorp (BAP) investor relations material
Credicorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Strategy centers on digital ecosystem expansion, business synergies, and disciplined execution for sustainable growth and impact.
Delivered robust 3Q25 results, highlighting strong execution, diversified income, and favorable operating momentum.
Net income rose 14.1% YoY to S/1,738.7 million, with ROE at 19.6% for 3Q25, reflecting strong performance across all business lines and a growing innovation portfolio.
Innovation portfolio contributed 7.4% of risk-adjusted revenues, advancing toward a 10% target for 2026.
Yape, the digital payments platform, reached 15.5 million monthly active users, contributing 6.6% of risk-adjusted revenues, with lending now 20% of Yape revenues.
Financial highlights
ROE reached 19.6% for the quarter and 20.1% for 9M25, with NIM at 6.57% (+14bps YoY).
Net interest income rose 2.7% YoY, total loans grew 4.4% YoY (FX neutral: 7.0%), and fee income increased 8.2% YoY.
NPL ratio improved to 4.8% (-105bps YoY), cost of risk fell to 1.7% (-71bps YoY).
Efficiency ratio at 45.7% for 9M25, within guidance.
Insurance underwriting result up 33.1% YoY, mainly from Life business and Banmedica consolidation.
Outlook and guidance
2025 guidance: real GDP growth around 3.0%-3.4%, loan portfolio growth ~6.5%, NIM 6.2%-6.6%, cost of risk 1.8%-2.2%, efficiency ratio 45%-47%, ROE around 19%.
Medium-term ROE target reaffirmed at ~19.5%.
Fee income and insurance underwriting results expected to grow at low double digits.
Efficiency ratio expected to remain in line with guidance, with continued investment in innovation and digital capabilities.
Yape's contribution to 2028 ROE target?
Mibanco's drivers for sustained ROE growth?
Regional political shifts and investment strategy
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Q4 202513 Feb, 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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