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

Executive summary

• Strong profitability in 3Q25 driven by diversified revenue streams, digital innovation, and stable asset quality amid economic expansion.

• Maintains leading market share in loans and deposits, with robust digital client growth and innovation in digital banking.

• Interim consolidated financial statements reviewed with no material misstatements, 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.

• Solid capital base and efficient funding structure underpin performance.

Financial highlights

• Net income reached PEN 1,507 million in 3Q25, down from PEN 1,718 million in 2Q25.

• 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.

• ROE at 25.7%, a decrease of 4.1pp QoQ, but remains industry-leading.

• NIM improved to 7.1%, up 10bps QoQ, supported by diversified loan expansion.

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

Outlook and guidance

• Economic growth in Peru expected to rebound to 3.3% in 2025, with inflation moderating to 2.0%.

• Monetary policy rate projected to decline, supporting lending activity.

• 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.