Banco de Crédito del Perú (CREDITC1) Q4 2025 earnings summary

Executive summary

• Maintains leading market share in Peru with 37.1% in loans and 42% in low-cost deposits, serving 19.1 million clients and achieving 80% digital client penetration.

• Demonstrates robust financial performance with net income doubling over the past decade and a 26.2% ROE for 2025.

• Strategy centers on digital transformation, customer experience, and sustainable growth, with 81% of sales and 90% of monetary transactions now digital.

Financial highlights

• Net income reached S/ 6.5bn in 2025, up 2.1x from 2015, with net interest income at S/ 13.7bn and NIM at 7.1%.

• Efficiency ratio improved to 42.2% in 2025, and cost of deposits declined to 0.95%.

• Asset quality strengthened: NPL ratio at 2.4%, PDL ratio at 2.2%, and NPL coverage ratio at 145.6%.

• Maintains a solid capital base with CET1 at 13.08%, well above regulatory requirements.

Outlook and guidance

• Focus remains on expanding financial inclusion, digitalization, and sustainable finance.

• Committed to long-term ambitions in financial education, SME support, and green financing.