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

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.