CREDICORP LTD's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters.
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and similar income | $19.9B | $19.9B | $18.8B | $15.0B |
| Interest and similar expenses | ($5.2B) | ($5.8B) | ($5.9B) | ($3.5B) |
| Net interest, similar income and expenses | $14.7B | $14.1B | $12.9B | $11.5B |
| Provision for credit losses on loan portfolio | ($2.9B) | ($3.9B) | ($4.0B) | ($2.2B) |
| Recoveries of written-off loans | $467.2M | $423.9M | $334.8M | $347.0M |
| Provision for credit losses on loan portfolio, net of recoveries | ($2.4B) | ($3.5B) | ($3.6B) | ($1.8B) |
| Net interest, similar income and expenses, after provision for credit losses on loan portfolio | $12.3B | $10.6B | $9.3B | $9.7B |
| Commissions and fees | $4.2B | $4.1B | $3.8B | $3.6B |
| Net gain on foreign exchange transactions | $1.5B | $1.4B | $886.1M | $1.1B |
| Net gain on securities | $400.7M | $362.3M | $425.1M | $5.5M |
| Net gain on derivatives held for trading | $51.9M | $156.2M | $53.7M | $65.2M |
| Net exchange difference result | $42.0M | ($41.1M) | $45.8M | ($16.2M) |
| Others | $584.6M | $514.8M | $440.7M | $329.4M |
| Total other income | $6.8B | $6.4B | $5.7B | $5.1B |
| Insurance service result | $1.8B | $1.7B | $1.6B | — |
| Reinsurance result | ($458.8M) | ($494.6M) | ($391.3M) | — |
| Total insurance and reinsurance result | $1.4B | $1.2B | — | — |
| Total income | $28.6B | — | — | — |
| Cost of sales of medical services and medicines | ($972.7M) | — | — | — |
| Total medical services results | $414.6M | — | — | — |
| Salaries and employee benefits | ($5.4B) | ($4.7B) | ($4.3B) | ($4.1B) |
| Administrative expenses | ($4.1B) | ($4.2B) | ($3.8B) | ($3.5B) |
| Depreciation and amortization | ($746.2M) | ($570.8M) | ($511.2M) | ($532.2M) |
| Impairment loss on goodwill | $0 | ($27.3M) | ($72.0M) | $0 |
| Depreciation of right-of-use assets | ($146.9M) | ($142.6M) | ($147.8M) | ($151.3M) |
| Others | ($568.4M) | ($773.3M) | ($534.6M) | ($379.2M) |
| Total other expenses | ($11.0B) | ($10.4B) | ($9.3B) | ($8.6B) |
| Net result before income tax | $9.9B | $7.8B | $6.8B | $6.9B |
| Tax expense (income) | ($2.9B) | ($2.2B) | ($1.9B) | ($2.1B) |
| Credicorp’s equity holders | $6.9B | $5.5B | $4.9B | $4.6B |
| Non-controlling interest | $157.3M | $122.0M | $94.3M | $112.3M |
| Net result after income tax | $7.1B | $5.6B | $5.0B | $4.7B |
| Basic (in sol per share) | $87.25 | $69.24 | $61.22 | $58.26 |
| Diluted (in sol per share) | $87.08 | $69.09 | $61.08 | $58.13 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Non-interest-bearing | $7.6B | $7.5B | $8.0B | $7.3B |
| Interest-bearing | $41.4B | $40.1B | $26.0B | $26.9B |
| Total cash | $49.0B | $47.7B | $33.9B | $34.2B |
| Cash collateral, reverse repurchase agreements and securities borrowing | $2.2B | $1.0B | $1.4B | $1.1B |
| At fair value through profit or loss | $5.0B | $4.7B | $5.0B | $4.2B |
| At fair value through other comprehensive income | $33.0B | $34.2B | $32.8B | $29.7B |
| At fair value through other comprehensive income pledged as collateral | $6.0B | $5.9B | $4.3B | $1.1B |
| Total | $39.0B | $40.1B | $37.0B | $30.8B |
| Amortized cost | $8.5B | $7.9B | $7.9B | $6.9B |
| Amortized cost pledged as collateral | $323.5M | $1.1B | $2.3B | $3.5B |
| Total investments at amortized cost, net | $8.8B | $9.0B | $10.2B | $10.4B |
| Loans, net of unearned income | $150.0B | $145.7B | $145.0B | $148.6B |
| Allowance for loan losses | ($7.7B) | ($8.0B) | ($8.3B) | ($7.9B) |
| Total loans, net | $142.3B | $137.7B | $136.7B | $140.8B |
| Financial assets designated at fair value through profit or loss | $992.4M | $932.7M | $810.9M | $768.8M |
| Reinsurance contract assets | $708.6M | $841.2M | $872.0M | — |
| Property, furniture and equipment, net | $2.1B | $1.4B | $1.4B | $1.3B |
| Intangible assets and goodwill, net | $4.8B | $3.3B | $3.2B | $2.9B |
| Right-of-use assets, net | $603.4M | $402.5M | $499.7M | $543.8M |
| Deferred tax assets, net | $1.4B | $1.2B | $1.2B | $1.1B |
| Other assets | $10.1B | $7.2B | $6.2B | $5.9B |
| Total assets | $267.4B | $256.1B | $238.8B | $236.8B |
| Non-interest-bearing | $52.2B | $47.2B | $42.2B | $43.3B |
| Interest-bearing | $118.2B | $114.7B | $105.5B | $103.7B |
| Total | $170.4B | $161.8B | $147.7B | $147.0B |
| Payables from repurchase agreements and securities lending | $8.2B | $9.1B | $10.2B | $13.0B |
| Due to banks and correspondents | $10.7B | $10.8B | $12.3B | $8.9B |
| Due from customers on banker’s acceptances | $345.9M | $528.2M | $412.4M | $699.7M |
| Lease liabilities | $612.3M | $404.8M | $512.6M | $578.1M |
| Financial liabilities at fair value through profit or loss | $1.1B | $151.5M | $641.9M | $191.0M |
| Insurance contract liability | $14.3B | $13.4B | $12.3B | — |
| Bonds and notes issued | $14.0B | $17.3B | $14.6B | $17.0B |
| Deferred tax liabilities, net | $376.9M | $59.0M | $107.5M | $71.8M |
| Other liabilities | $8.3B | $7.6B | $7.0B | $7.3B |
| Total liabilities | $228.3B | $221.1B | $205.7B | $207.2B |
| Capital stock | $1.3B | $1.3B | $1.3B | $1.3B |
| Treasury stock | -209.8M | -208.9M | -208.0M | -207.5M |
| Capital surplus | $148.7M | $176.3M | $228.2M | $231.6M |
| Reserves | $29.6B | $27.2B | — | $23.7B |
| Other Reserves | $544.8M | $214.6M | — | ($650.1M) |
| Retained earnings | $6.9B | $5.6B | $4.6B | $4.6B |
| Total equity attributable to owners of parent | $38.4B | $34.3B | $32.5B | $29.0B |
| Non-controlling interest | $729.2M | $630.8M | $647.1M | $591.6M |
| Total equity | $39.1B | $35.0B | $33.1B | $29.6B |
| Total liabilities and equity | $267.4B | $256.1B | $238.8B | $236.8B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net result after income tax | $7.1B | $5.6B | $5.0B | $4.7B |
| Provision for credit losses on loan portfolio | $2.9B | $3.9B | $4.0B | $2.2B |
| Depreciation and amortization | $746.2M | $570.8M | $511.2M | $532.2M |
| Depreciation of right-of-use assets | $146.9M | $142.6M | $147.8M | $151.3M |
| Depreciation of investment properties | $8.8M | $9.1M | $8.1M | $7.1M |
| Provision for sundry risks | $149.7M | $315.2M | $95.9M | $43.8M |
| Deferred income tax | ($125.7M) | ($54.9M) | ($76.1M) | $113.1M |
| Net gain on sale of securities | ($400.7M) | ($362.3M) | ($425.1M) | ($5.5M) |
| Impairment loss on goodwill | $0 | $27.3M | $72.0M | $0 |
| Net gain of trading derivatives | ($51.9M) | ($156.2M) | ($53.7M) | ($65.2M) |
| Net gain from sale of property, furniture and equipment | ($37.6M) | ($68.0M) | ($1.7M) | ($14.2M) |
| Net gain from sale of foreclosed assets | ($30.1M) | ($27.2M) | $1.9M | ($11.4M) |
| Expense for share-based payment transactions | $149.0M | $104.8M | $83.3M | $88.7M |
| Net gain from sale of loan portfolio | ($1.8M) | — | — | — |
| Intangible losses due to withdrawals and dismissed projects | $79.3M | $131.1M | $97.0M | $19.4M |
| Gain on remeasurement of previously held equity interest in Pacifico Entidad Prestadora de Salud | ($235.5M) | — | — | — |
| Others | $65.0M | $145.5M | $3.0M | $45.4M |
| Loans | ($13.4B) | ($4.5B) | ($1.1B) | ($5.4B) |
| Investments at fair value through profit or loss | ($204.9M) | $412.4M | ($456.6M) | $1.6B |
| Investments at fair value through other comprehensive income | $1.5B | ($2.6B) | ($5.2B) | ($465.5M) |
| Cash collateral, reverse repurchase agreements and securities borrowings | ($1.3B) | $383.4M | ($330.4M) | $622.6M |
| Sale of written off portfolio | $7.3M | $55.2M | $239.6M | $24.5M |
| Income taxes paid (refund), classified as operating activities | ($1.6B) | — | — | — |
| Other assets | ($2.0B) | ($1.1B) | $520.3M | $300.7M |
| Deposits and obligations | $17.2B | $13.3B | $2.3B | ($46.2M) |
| Due to Banks and correspondents | $379.6M | ($1.6B) | $3.5B | $1.8B |
| Payables from repurchase agreements and securities lending | ($704.3M) | ($1.1B) | ($2.8B) | ($9.0B) |
| Bonds and notes issued | ($4.1B) | $348.5M | ($2.2B) | ($298.6M) |
| Short-term and low-value lease payments | ($143.9M) | ($118.2M) | ($108.4M) | ($106.4M) |
| Other liabilities | $5.2B | $2.4B | $2.6B | $2.4B |
| Net income for the period after the net change in assets and liabilities, and adjustments | $11.3B | — | — | — |
| Income tax paid | ($2.7B) | ($1.7B) | ($2.1B) | ($1.1B) |
| Net cash flow from operating activities | $8.6B | $14.5B | $4.1B | ($1.1B) |
| Proceeds from sale of property, furniture and equipment | $160.3M | $98.2M | $53.2M | $5.4M |
| Proceeds from sale of investment property | $1.3M | $47.1M | $0 | — |
| Collections for maturities and coupons of investment at amortized cost | $859.9M | $1.7B | $1.2B | $1.0B |
| Purchase of property, furniture and equipment | ($284.7M) | ($310.1M) | ($322.4M) | ($192.7M) |
| Purchase of investment property | ($183.6M) | ($70.4M) | ($37.7M) | ($87.1M) |
| Purchase of intangible assets | ($984.0M) | ($801.3M) | ($828.8M) | ($703.7M) |
| Purchase of investment at amortized cost | ($255.2M) | ($176.6M) | ($1.4B) | ($1.1B) |
| Acquisition of Pacifico EPS shares, net cash acquired | -$727180000.00 | $0.00 | -$5564000.00 | — |
| Termination of the Joint Venture Agreement | ($180.0M) | — | — | — |
| Net cash flows from investing activities | ($1.6B) | $527.6M | ($1.3B) | ($1.1B) |
| Dividends paid | ($3.2B) | ($3.7B) | ($2.0B) | ($1.2B) |
| Dividends paid to non-controlling interest of subsidiaries | ($120.9M) | ($106.8M) | ($62.1M) | ($48.6M) |
CREDICORP LTD score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.