Credicorp Ltd. (BVL:BAP)

Credicorp Income Statement

Financials in millions PEN. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	19,817	19,869	18,798	15,011	11,850	11,548
Interest Paid on Deposits	5,312	5,754	5,861	3,920	2,491	2,979
Net Interest Income	14,505	14,115	12,938	11,092	9,360	8,569
Net Interest Income Growth (YoY)	4.86%	9.10%	16.65%	18.50%	9.23%	-5.75%
Income From Trading Activities	156.2	156.2	53.67	65.19	221.06	56.24
Gain (Loss) on Sale of Assets	111.1	111.1	85.17	33.69	31.78	39.56
Gain (Loss) on Sale of Investments	278.51	362.3	425.14	5.47	28.65	523.08
Other Non-Interest Income	7,897	6,974	6,303	5,803	4,644	4,177
Total Non-Interest Income	8,442	7,603	6,867	5,908	4,926	4,796
Non-Interest Income Growth (YoY)	16.26%	10.72%	16.24%	19.93%	2.71%	-11.10%
Revenues Before Loan Losses	22,947	21,718	19,805	16,999	14,286	13,365
Provision for Loan Losses	2,503	3,519	3,622	1,812	1,212	5,921
Revenue	20,444	18,199	16,183	15,188	13,073	7,444
Revenue Growth (YoY)	19.24%	12.46%	6.55%	16.17%	75.61%	-41.11%
Salaries and Employee Benefits	4,606	4,572	4,182	3,820	3,594	3,208
Occupancy Expenses	713.47	713.47	659.01	636.49	683.25	669.92
Selling, General & Administrative	4,747	3,906	3,622	3,216	2,738	2,222
Other Non-Interest Expense	626.09	812.5	649.96	559.67	606.6	863.49
Total Non-Interest Expense	10,781	10,032	9,166	8,273	7,670	7,015
EBT Excluding Unusual Items	9,663	8,167	7,016	6,914	5,404	429.04
Legal Settlements	-315.21	-315.21	-95.87	-43.85	-70.82	-140.9
Pretax Income	9,343	7,825	6,848	6,871	5,333	224.16
Income Tax Expense	2,728	2,201	1,888	2,111	1,661	-109.98
Earnings From Continuing Operations	6,615	5,623	4,960	4,760	3,672	334.14
Minority Interest in Earnings	-150.03	-122	-94.34	-112.29	-87.25	12.76
Net Income	6,465	5,501	4,866	4,648	3,585	346.89
Net Income to Common	6,465	5,501	4,866	4,648	3,585	346.89
Net Income Growth	23.94%	13.07%	4.68%	29.66%	933.34%	-91.87%
Basic Shares Outstanding	79	79	79	80	79	79
Diluted Shares Outstanding	80	80	80	80	80	80
Shares Change (YoY)	-0.11%	-0.05%	-0.05%	0.03%	0.07%	-0.08%
EPS (Basic)	81.43	69.24	61.22	58.44	45.09	4.37
EPS (Diluted)	81.27	69.09	61.08	58.32	44.99	4.36
EPS Growth	24.08%	13.11%	4.73%	29.63%	931.88%	-91.86%
Dividend Per Share	40.000	40.000	35.000	25.000	15.000	5.000
Dividend Growth	14.29%	14.29%	40.00%	66.67%	200.00%	-83.33%
Effective Tax Rate	29.20%	28.13%	27.57%	30.72%	31.15%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.