Credicorp (BAP) investor relations material

Strategic positioning and market leadership

• Holds dominant market share across universal banking, microfinance, insurance, and investment management in Peru, with significant contributions to net income and assets from each segment.

• Maintains leading positions in underpenetrated financial markets, offering clear growth avenues in Peru and the broader Andean region.

• BCP is the top bank in Peru, with 76.8% of group net income and a 24.7% ROE in 2025.

• Mibanco leads microfinance in Peru, with a replicable model and strong ROE, targeting millions of unbanked individuals and businesses.

• Insurance and pension businesses rank #2 in Peru, the fastest-growing and least penetrated market in Latin America.

Digital transformation and innovation

• Integrated digital ecosystem drives efficiency, customer experience, and scalable growth across all business lines.

• Innovation portfolio targets a 10% risk-adjusted revenue contribution, with Yape reaching maturity and other initiatives scaling.

• Yape, the digital payments platform, has 15.9 million MAUs and is a key driver of ecosystem value and revenue.

• Technology investments and AI adoption have reduced transaction costs, improved uptime, and enhanced cybersecurity.

• Data, AI, and risk management are leveraged to build a scalable, efficient digital ecosystem.

Financial performance and growth

• Net income grew 26% in 2025 to S/ 7,083 million, with ROE rising to 19% and improved asset quality.

• Loan growth and fee income expansion are supported by enhanced financial access and digital channels.

• Maintains strong capital ratios and efficiency, with cost of risk and NPL ratios improving year-over-year.

• Delivered 114% net income growth from 2010 to 2025, outpacing Peru’s nominal GDP growth.

• Achieved high total shareholder returns, outperforming regional peers over 10, 20, and 30-year periods.