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    Renato Maloney

    Senior Analyst specializing in Latin American financials at Autonomous Research

    Renato Maloney is a Senior Analyst specializing in Latin American financials at Autonomous Research, where he covers prominent regional banking and financial companies such as Credicorp and BCP. He joined Autonomous after beginning his career in 2004 at Constellation Asset Management in Brazil, and has since established a strong track record in LatAm equities research. Known for his detailed modeling and market insights, Maloney is recognized for engaging directly with corporate management and has contributed to coverage generating above-average transaction volumes and robust risk-adjusted returns. He holds professional credentials pertinent to research analyst roles, though specific FINRA registrations and securities licenses are not publicly listed.

    Renato Maloney's questions to CREDICORP (BAP) leadership

    Renato Maloney's questions to CREDICORP (BAP) leadership • Q3 2024

    Question

    Renato Maloney asked whether the positive impact of excess system liquidity on asset quality and funding costs is a short-lived event and how this reconciles with growth expectations for next year.

    Answer

    Chief Financial Officer Alejandro Perez-Reyes explained that while the pension fund withdrawal effect is temporary, the improvement in asset quality is supported by sustainable fundamentals like a 5% rise in formal employment. Chief Executive Officer Gianfranco Piero Ferrari de Las Casas added that expected growth in private investment provides confidence for improved loan book performance and growth in the coming year.

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