Credicorp Ltd. (BVL:BAP)

Credicorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	14,716	14,115	12,938	11,092	9,360
Net Interest Income Growth	4.26%	9.10%	16.65%	18.50%	9.23%
Non-Interest Income	10,473	9,297	8,469	7,210	4,930
Non-Interest Income Growth	12.65%	9.77%	17.47%	46.25%	3.43%
Revenues Before Loan Losses	25,190	23,412	21,407	18,302	14,289
Provision for Credit Losses	5,280	7,463	7,579	3,970	2,771
Revenue	19,910	15,949	13,828	14,331	11,518
Revenue Growth (YoY)	24.83%	15.34%	-3.51%	24.43%	763.07%
Compensation Expenses	5,435	4,676	4,265	3,902	3,668
Selling, General & Admin	4,984	4,897	4,462	4,051	3,637
Other Non-Interest Expenses	109.56	306.02	215.24	-96.6	435.11
Total Non-Interest Expense	10,988	9,880	8,943	7,856	7,741
Pretax Income	9,948	7,825	6,848	6,871	5,333
Provision for Income Taxes	2,865	2,201	1,888	2,111	1,661
Net Income	6,925	5,623	4,960	4,760	3,672
Minority Interest in Earnings	157.28	-	-	-	-
Net Income to Common	6,925	5,623	4,960	4,760	3,672
Net Income Growth	23.16%	13.38%	4.20%	29.64%	998.90%
Shares Outstanding (Basic)	79	79	79	80	79
Shares Outstanding (Diluted)	80	80	80	80	80
Shares Change (YoY)	-0.11%	-0.05%	-0.05%	0.03%	0.07%
EPS (Basic)	87.25	69.24	61.22	58.44	45.09
EPS (Diluted)	87.08	69.09	61.08	58.32	44.99
EPS Growth	26.04%	13.11%	4.73%	29.63%	931.88%
Free Cash Flow	-2,269	14,142	3,720	-1,431	3,853
Free Cash Flow Growth	-	280.18%	-	-	-69.32%
Free Cash Flow Per Share	-28.53	177.62	46.70	-17.96	48.36
Dividends Per Share	-	39.900	35.000	25.000	15.000
Dividend Growth	-	14.00%	40.00%	66.67%	200.00%
Profit Margin	63.48%	28.88%	28.42%	29.49%	28.84%
FCF Margin	-10.17%	72.64%	21.32%	-8.87%	30.27%
EBITDA	901.95	722.57	667.12	643.6	690.56
EBITDA Margin	4.04%	3.71%	3.82%	3.99%	5.42%
Effective Tax Rate	28.80%	28.13%	27.58%	30.72%	31.15%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.