Brian Flores

Carlos Gomez-Lopez

Yuri Fernandes

Andrés Soto

Renato Meloni

Tito Labarta

Alonso Aramburú

Ernesto María Gabilondo Márquez

Lindsey Shema

Nicolas Riva

Renato Maloney

Thiago Bovolenta Batista

- Credicorp has delivered a **14.1% annualized Total Shareholder Return (TSR)** since its inception 30 years ago, driven by strategic pillars of purpose, innovation, culture, and governance, with a strong emphasis on digital capabilities and AI.  **[0001001290_2174238_2]** **[0001001290_2174238_20]** 
- The digital platform **Yape** is a significant growth driver, boasting **15.3 million active users** as of August this year and processing **56.8 million transactions monthly**.  **[0001001290_2174238_20]** **[0001001290_2174238_21]**  Yape is expanding its lending business to the informal segment and is successfully pursuing international expansion, including in Bolivia.  **[0001001290_2174238_10]** **[0001001290_2174238_30]** 
- Credicorp's insurance arm, Pacifico, aims to double its client base to **15 million by 2030** and increase its contribution to Credicorp's net income from **8% (end of 2024) to 10%**.  **[0001001290_2174238_9]** 
- The company has demonstrated its ability to **decouple from macro-economic cycles**, achieving **19% annual growth** from 2021 to 2025, significantly outpacing Peru's nominal GDP growth of 6% over the same period.  **[0001001290_2174238_21]** 
- Innovation initiatives, including **Tempo** (a neobank in Chile) and **Tiva** (a wealthtech with over **$1 billion in assets under management**), are projected to contribute **10% of risk-adjusted revenue by 2026**.  **[0001001290_2174238_22]**

Credicorp Highlights 30 Years of Growth and Future Digital Expansion

- Credicorp highlighted **Peru's strong macro performance** from 2004-2024, including a **4.2% GDP Growth CAGR** and **2.5% average inflation**, outperforming other LatAm countries and the USA.  **[0001001290_2173672:4]** 
- The company's BCP loan portfolio has shifted significantly towards retail, from **30% in 2004 to 56% in 2024**, with digital payments and digital clients also seeing substantial growth.  **[0001001290_2173672:6]** 
- Yape, a key digital platform, anticipates multiplying revenues **3X by 2028** and aims to increase disbursed clients to **8 million** by the same year, up from approximately **3 million** in June 2025.  **[0001001290_2173672:10]** 
- Credicorp is committed to **financial inclusion**, targeting **8.0 million** financially included Peruvians by 2028, an increase from **6.1 million** as of June 2025.  **[0001001290_2173672:13]** 
- The company is heavily investing in **digital transformation**, data, and AI capabilities to enhance customer experience, automate services, and drive growth across its businesses, including deploying AI in customer engagement, sales, and productivity.  **[0001001290_2173672:15]** **[0001001290_2173672:16]**

Credicorp Outlines Growth Strategy and Digital Transformation at Investor Day 2025

- Credicorp Ltd. held its Investor Day 2025 on **October 9, 2025**, outlining strategic priorities focused on accelerating digital transformation, integrating sustainability, and ensuring top talent.  **[1001290_0001140361-25-037765_ef20056796_6k.htm:1]** **[1001290_0001140361-25-037765_ef20056796_6k.htm:4]** **[1001290_0001140361-25-037765_ef20056796_6k.htm:6]** 
- The company targets expanding financial inclusion to **8.0 million Peruvians by 2028**, up from **6.1 million as of June 2025**.  **[1001290_0001140361-25-037765_ef20056796_6k.htm:8]** **[1001290_0001140361-25-037765_ef20056796_6k.htm:9]** 
- Key growth initiatives include multiplying Yape's revenues **3x by 2028** and Bancassurance contributing **10% of Credicorp's Net Income by 2027**.  **[1001290_0001140361-25-037765_ef20056796_6k.htm:8]** 
- Credicorp has delivered a **30-year average annualized Total Shareholder Return (TSR) of 13.5%**, surpassing regional peers, and achieved **19.0% Net Income growth** from 2021-2025 (annualized).  **[1001290_0001140361-25-037765_ef20056796_6k.htm:13]** 
- Enhanced risk capabilities have resulted in an **80% increase in origination volumes for SME digital products** and a **46% reduction in BCP provisions** in one year.  **[1001290_0001140361-25-037765_ef20056796_6k.htm:11]**

Credicorp Ltd. Hosts Investor Day 2025, Outlines Strategic Growth Initiatives

CREDICORP (BAP)