MARKETS / NYSE / Financials / Banks / BAP

NYSE · COMMERCIAL BANKS, NEC · LARGE CAP

Credicorp Ltd. BAP

10 fiscal years on record · PEN · FY2024 reported · SEC filings only

3 YEARS OF DIVIDEND GROWTH

Revenue

PEN 27.5B

▲ 7.0% YoY

Net income

PEN 5.5B

▲ 13.1% YoY

Free cash flow

PEN 14.2B

▲ 278.2% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Credicorp conducts its operations through four business lines: Universal Banking; Insurance and Pensions, which primarily serves the Peruvian market; Microfinance; and Investment Management and Advisory, which operates across Latin America. It has operations in Peru, Bolivia, Colombia, Chile, Panama and the United States. The Universal Banking LoB focuses on lending and transactional business, and covers retail banking, wholesale banking, treasury activities, and wholesale and retail banking in Bolivia. Its principal subsidiary, Banco de Crédito del Perú (BCP), has more than 135 years of operating history in the financial sector. As of December 31, 2025, BCP Stand-alone represented 75.6% of total assets and 65.2% of equity attributable to Credicorp's equity holders. Operations of BCP Stand-alone are mainly in Peru, with one agency in Miami and one branch in Panama. Banking activities in Bolivia are carried on through BCP Bolivia, a full-service commercial bank. Credicorp also operates a corporate venture capital platform focused on external innovation.

Written from the business description in CREDICORP LTD's annual report to the U.S. Securities and Exchange Commission, filed 27 April 2026. Every sentence was checked against that document before publication.

Growth

PEN 27.5B

Revenue, FY2024 · full 10-year series below

Revenue PEN B Net income PEN B

FY2024 · Revenue 27.5 · Net income 5.5

10B20B

2015201820212024

Compound annual growth

Revenue

+12.2%

+6.9%

Net income

+15.3%

+5.2%

EPS, diluted

+15.4%

+5.2%

Dividend / share

+91.3%

+11.8%

Returned to shareholders

+102.1%

+17.3%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +6.9% a year over the five years to FY2024 — but profit grew slower: net income at +5.2%, earnings per share at +5.2%.

The share count rose from 0.01B to 0.01B over the period.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2024 · ROE 16.5%

5%10%15%

201520192024

Three returns, three denominators.

Return on equity16.5%

Return on assets2.3%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDA·

Each PEN of equity produced 16 cents of profit this year.

Cash & shareholders

PEN 3.8B

returned in FY2024 · dividends + net buybacks

Free cash flow PEN B

FY2024 · FCF 14.2

5B10B

201520192024

Net buybacks PEN B Dividends PEN B

FY2024 · Dividends 3.7 · Net buybacks 0.1

2B3BDividendsNet buybacks

2015201620172018201920202021202220232024

Dividends paidPEN 3.7B

Net buybacksPEN 110.9M

Share of profit68.6%

Consecutive raises3 years

PEN 3.7B in dividends and PEN 110.9M in buybacks — 69% of the year's profit went back to shareholders.

Total assetsPEN 256.1B

EquityPEN 34.3B

CashPEN 47.6B

DepositsPEN 161.8B

Equity funds 13% of total assets.

The 10-year record

10 fiscal years

Every figure from documents filed with the SEC · PEN

row low → row highnegative—not applicable◌not available in our data

BAP, 10-year financial record
Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Revenue PEN B	27.5	25.7	20.9	19.5	18.4	19.7	18.0	17.6	16.8	15.8
Operating income PEN B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
EBITDA PEN B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Income tax PEN B	2.2	1.9	2.1	1.7	−0.1	1.6	1.5	1.4	1.3	1.2
Net income PEN B	5.5	4.9	4.6	3.6	0.3	4.3	4.0	4.1	3.5	3.1
Free cash flow PEN B	14.2	3.8	−1.3	3.9	12.6	6.8	−0.4	9.4	−1.5	−1.5
EPS, diluted PEN	69.09	61.08	58.32	44.99	4.36	53.53	49.99	51.35	44.15	38.84
Dividend / sh PEN	35.00	25.00	15.00	5.00	30.00	20.00	14.17	12.29	◌	◌
Payout %	67	41	26	11	690	37	28	24	19	17
ROE %	16.5	15.8	16.8	14.0	1.4	17.0	17.5	19.8	19.3	18.5
Shares out B	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	◌	◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 3 failures in 30 reconciliationsAUDITED

Reconciled in 7 of the 10 fiscal years we could check. Eight checks were skipped: the balance sheet is not tagged before 2015. Eight checks were skipped: EPS is not tagged before 2015.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency3 failures

ActivityCommercial Banks, NEC

Listed onNYSE

Incorporated innot stated in the filings

Fiscal year endsDecember 31

Data on record since2015