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BAP FINANCIAL STATEMENTS

Credicorp Ltd — balance sheet, income statement and cash flow trends

BAPCredicorp Ltd

🇺🇸 USA · US · Financial Services · Banks - Regional

Value itDuel
PriceFinancialsPeers

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income
010 B20 B30 B202120222023202420252026

Profit Funnel

Q1 2026 · TTM
Revenue28.8 B PENGross Profit22.1 B PEN · 77%Operating Income10.5 B PEN · 37%Pre-tax Income10.3 B PEN · 36%Net Income7.2 B PEN · 25%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue28.8 B PEN+12.6%
Gross Profit22.1 B PEN+17.3%
Operating Income10.5 B PEN+14.6%
EBITDA11.2 B PEN+58.2%
Net Income7.2 B PEN+24.8%

Peer Comparison· Banks - Regional

CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
BAP———25.0%
Industry median—67.2%20.4%20.6%

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
0100 B200 B202120222023202420252026

Capital Structure

Q1 2026
Total Assets269.9 B
  • Equity38.8 B PEN14%
  • Current Liabilities11.5 B PEN4%
  • Long-term Liabilities219 B PEN81%

Key Figures

YoY change
Total Assets269.9 B PEN+6.2%
Total Liabilities230.5 B PEN+5.8%
Total Equity38.8 B PEN+8.2%
Cash & ST Investments43.3 B PEN-49.8%
Total Debt31.4 B PEN-11.5%
Net Debt-11.9 B PEN—

Peer Comparison· Banks - Regional

CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
BAP3.9180.9%-1.0614.4%
Industry median0.3138.0%-0.5811.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
-5 B05 B10 B202120222023202420252026

Cash Flow Bridge

Q1 2026 · TTM
02.5 B5 B7.5 B6.9 B PENOperating-663.8 M PENInvesting1 B PENFinancing7.3 B PENNet Change

Key Figures

YoY change
Operating Cash Flow6.9 B PEN+219.5%
Capital Expenditures270.4 M PEN-31.4%
Free Cash Flow6.7 B PEN—
Dividends Paid-3.2 B PEN-170.1%

Peer Comparison· Banks - Regional

CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
BAP24.1%23.2%0.9%96.4%
Industry median23.6%22.1%1.5%111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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