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Credicorp Ltd.: Business Overview, Financials & Competitive Analysis

Credicorp Ltd. scores 7/10 on the AskCyborg Cyborg Score (Strong). Diversified Latin American financial conglomerate with record 2025 earnings, improving asset quality, and digital-driven growth acceleration positioned for mid-20% ROE targets. BAP delivered 18.7% YoY profit growth, improved the NPL ratio to 4.8%, and expanded the net interest margin to 6.6% in Q3-2025. Credicorp delivered a 16.9% ROE in the.

What is Credicorp Ltd.'s industry? Credicorp Ltd. (credicorp.com.pe) operates in Financial Services - Regional Banking & Diversified Financial Conglomerates. AskCyborg classifies Credicorp Ltd. under Financial Services - Regional Banking & Diversified Financial Conglomerates in its company registry.

Credicorp Ltd. provides various financial, insurance, and health services and products in Peru and internationally, operating through Universal Banking; Insurance and Pensions; Microfinance; and Investment Management ...

7/ 10Strong

Cyborg Score thesis

Diversified Latin American financial conglomerate with record 2025 earnings, improving asset quality, and digital-driven growth...

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Industry Financial Services - Regional Banking & Diversified Financial Conglomerates
4 named competitors
4 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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What's in This Report
Credicorp Ltd. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Credicorp Ltd. Overview

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Credicorp Ltd. provides various financial, insurance, and health services and products in Peru and internationally, operating through Universal Banking; Insurance and Pensions; Microfinance; and Investment Management and Advisory segments. The company serves retail, commercial and corporate clients and is one of the largest financial conglomerates in Peru.

Strategic Profile

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The company ended 2025 with record high net income and improving asset quality, supported by a stronger-than-expected economic backdrop in Peru and continued growth across its banking, microfinance, insurance, and digital businesses. Digital platforms, especially Yape, are accelerating BAP's income diversification and cost efficiency.

Competitive Landscape

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Credicorp is a leading diversified financial services group in Latin America, focused on banking, microfinance, insurance, pensions and digital financial solutions. Primary competitors include Itaú Unibanco (Brazil), Banco Santander (Latin America), and emerging fintech players like Nu Holdings focusing on digital disruption.

Industry Context

Credicorp Ltd. operates in Financial Services - Regional Banking & Diversified Financial Conglomerates.

Key facts

Founded: 1995 · Headquarters: Lima, Peru · Market cap: $27.17B

What the analysts stress-tested

The top findings that survived the multi-agent debate for Credicorp Ltd..

  • Management's 2026 outlook targets total loan growth ~8.5% (double-digit excluding Bolivia), NIM 6.4–6.7%, cost of risk 1.7–2.1%, and ROE around 19.5%
  • Digital initiatives are expected to be ROE-positive beginning in 2026
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026Credicorp Secures Operating License for Tenpo Bank Chile
  • December 2025Credicorp's BCP to acquire Helm Bank USA for $180M
  • +2 moreTrack every material event for Credicorp Ltd. as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Itaú UnibancoMajor Brazilian financial conglomerate with regional presence→Banco SantanderGlobal banking leader with strong Latin America operations→YapeDigital fintech platform driving internal competition and innovation→Nu HoldingsDigital-first fintech disruptor in Latin America→

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Industry context

Credicorp Ltd. operates in Financial Services - Regional Banking & Diversified Financial Conglomerates. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Credicorp Ltd. do?+
Credicorp Ltd. provides various financial, insurance, and health services and products in Peru and internationally, operating through Universal Banking; Insurance and Pensions; Microfinance; and Investment Management ...
What is Credicorp Ltd.'s Cyborg Score?+
Credicorp Ltd. has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Credicorp Ltd.'s main competitors?+
Named competitors include Itaú Unibanco, Banco Santander, Yape, Nu Holdings. The full competitive landscape is in the AskCyborg report.
How can I get the full Credicorp Ltd. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Credicorp Ltd. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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