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Credicorp
Credicorp (BAP) investor relations material
Credicorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
Achieved record net income of S/6,925 million and ROE of 19.0% in 2025, supported by diversified revenue streams across banking, insurance, asset management, and digital platforms.
Peru's economy outperformed with 3.5% GDP growth, robust domestic demand, and record exports, supporting business momentum.
Strategic M&A included full ownership of the medical insurance business and the acquisition of Helm Bank in Florida for $180 million, enhancing cross-border capabilities.
Digital initiatives, especially Yape, scaled to 15.9 million monthly active users, with lending now 23% of platform revenue and significant growth in financial inclusion.
Entering 2026 with strong momentum, disciplined execution, and a focus on sustainable long-term value creation.
Financial highlights
Full-year ROE reached 19.0% (16.9% in Q4); net income for FY25 was S/6,925 million, with core income and fee income both rising year-over-year.
NIM for the year stood at 6.62%, with risk-adjusted NIM at 5.55%, both up year-over-year.
Efficiency ratio for 2025 was 46.6%, with guidance to improve further.
Loan growth was 3.8% (7.8% FX-neutral) at BCP and 11.2% at Mibanco; total loans reached S/149,985 million.
NPL ratio improved to 4.5%, with NPL coverage at 112.4% and cost of risk at 1.8%.
Outlook and guidance
2026 ROE expected around 19.5%, with loan book growth guided at 8.5%, mainly from retail banking and Mibanco.
NIM expected between 6.4% and 6.7%; risk-adjusted NIM between 5.3% and 5.6%.
Cost of risk guidance set at 1.7%–2.1%.
Efficiency ratio targeted at 45%–46.5% for 2026, with further improvement to 42% mid-term.
Real GDP growth expected at 3.5% in 2026, with domestic demand exceeding 4%.
Key drivers for 10% innovation revenue target by 2026
Most impactful factors for NPL ratio decline
Helm Bank niche strategy rationale and cross-border fit
Yape lending revenue share growth outlook
Helm Bank acquisition: cross-border value creation
Low-cost deposit growth: future strategy
Partial view of Summaries dataset, powered by Quartr API
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Next Credicorp earnings date
Q1 202615 May, 2026
Credicorp
Next Credicorp earnings date
Q1 202615 May, 2026
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Frequently asked questions
Credicorp Ltd. is a financial services holding company based in Peru, providing a wide range of financial, insurance, and health services and products primarily in Peru and also internationally. The company operates through several segments, including Universal Banking, which offers various credits and financial instruments alongside deposits and checking accounts to individuals and legal entities. Its Insurance and Pensions segment deals with issuing insurance policies covering commercial property, transport, marine vessels, automobiles, life, health, and pensions, as well as managing services for private pension funds. The Microfinance segment focuses on loans, deposits, and checking accounts for small and microenterprises, while the Investment Banking and Wealth Management segment offers brokerage and investment management services to corporations, institutional investors, governments, and foundations. The company is headquartered in Lima, Peru, and its shares are listed on the New York Stock Exchange.
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