Banco de Crédito del Perú (CREDITC1) Q2 2025 earnings summary

Executive summary

• Net profit for the six months ended June 30, 2025, reached S/ 3,296.6 million, up from S/ 2,551.6 million in the same period of 2024, reflecting strong earnings growth.

• Total comprehensive income for the period was S/ 3,533.2 million, compared to S/ 2,586.4 million a year earlier.

• The interim financial statements received an unqualified review conclusion from the independent auditor.

Financial highlights

• Total assets as of June 30, 2025, were S/ 203,223.8 million, down from S/ 208,943.3 million at December 31, 2024.

• Net loans increased to S/ 125,115.4 million from S/ 124,051.8 million at year-end 2024.

• Deposits and obligations stood at S/ 146,659.2 million, slightly down from S/ 147,715.7 million at year-end.

• Gross financial margin for the six months was S/ 6,681.9 million, up from S/ 6,426.4 million in 2024.

• Net financial margin rose to S/ 5,552.2 million from S/ 4,508.5 million year-over-year.

• Earnings per share for the period were S/ 0.2532, up from S/ 0.1962 in 2024.

Outlook and guidance

• The bank continues to comply with all regulatory capital requirements and maintains a strong capital base to support future growth.

• No significant events or transactions occurred after the reporting period that would impact the financial statements.