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Banco de Crédito del Perú
Banco de Crédito del Perú (CREDITC1) investor relations material
Banco de Crédito del Perú Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Apr, 2026
Executive summary
Achieved net income of S/6.478 billion in 2025, up 24.2% year-over-year, with ROAE at 24.78% and ROAA at 3.24%.
Total revenue reached S/16.933 billion, with market shares of 33.43% in loans and 36.18% in deposits.
Over 16 million customers served, with 15.9 million active Yape users and 20,700 employees.
Digital transformation and AI adoption drove operational efficiency and customer experience improvements.
Financial highlights
Total assets grew to S/203.2 billion, net loans to S/118.3 billion, and deposits to S/146.1 billion as of December 2025.
Net interest margin was 5.8%, and efficiency ratio stood at 39.8%.
Loan portfolio quality improved, with overdue portfolio ratio at 3.12% and non-performing loans at 4.49%.
Operating income rose 2.5% year-over-year, while provisions for doubtful receivables decreased 37%.
Outlook and guidance
Peru’s economy is projected to grow by 3.5% in 2026, with continued focus on digitalization, financial inclusion, and sustainable finance.
The bank aims to maintain leadership through innovation, customer-centricity, and prudent risk management.
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Latest events from Banco de Crédito del Perú
- Net profit increased to S/ 4,904.2 million, with strong capital and asset quality maintained.CREDITC1
Q3 20257 Dec 2025 - Net profit surged 29% to S/ 3,296.6 million in H1 2025, with robust capital and asset quality.CREDITC1Q2 20252 Oct 2025
- Q1 2025 net profit rose 24% YoY, with strong capital, liquidity, and digital transformation.CREDITC1Q1 202525 Aug 2025
- Net profit surged to S/ 4,058.8 million, supported by strong capital and asset growth.CREDITC1Q3 202413 Jun 2025
- Net profit reached S/2,551.6 million in H1 2024, with assets up and capital ratios strong.CREDITC1Q2 202413 Jun 2025
- Record profitability, digital expansion, and strong capital position drive 2024 outperformance.CREDITC1Q4 20245 Jun 2025
Next Banco de Crédito del Perú earnings date
Q1 202622 May, 2026
Banco de Crédito del Perú
Next Banco de Crédito del Perú earnings date
Q1 202622 May, 2026
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