Banco de Crédito del Perú (CREDITC1) Q3 2025 earnings summary

Executive summary

• Interim consolidated financial statements reviewed with no material misstatements found, prepared under Peruvian SBS standards for the nine months ended September 30, 2025.

• Main activities include commercial and consumer loans, deposits, and credit facilities, with operations primarily in Peru.

Financial highlights

• Net profit for the nine months ended September 30, 2025 was S/ 4,904.2 million, up from S/ 4,058.8 million in the same period of 2024.

• Total assets stood at S/ 207,614.9 million as of September 30, 2025, slightly down from S/ 208,943.3 million at December 31, 2024.

• Gross financial margin increased to S/ 10,129.4 million from S/ 9,791.5 million year-over-year.

• Net financial margin rose to S/ 8,440.7 million from S/ 7,165.7 million year-over-year.

• Earnings per share for the period were S/ 0.3765, up from S/ 0.3121 in 2024.

Outlook and guidance

• No significant acquisitions, incorporations, or mergers occurred during the period.

• Management and Board approved the interim statements, with no significant subsequent events identified up to November 14, 2025.