Slide 1: 1Q26 Corporate Presentation
Corporate Presentation 1Q26 Corporate Presentation May 2026
Slide 2: Our Purpose and Vision
Our Purpose Contribute to improving lives by driving the changes that our countries need. Our Purpose Contribute to improving lives by driving the changes that our countries need. Our Vision We are a leading team in Latin America that generates the right impact on society, inspired to deliver innova
Slide 3: A Leading Financial Services Group in the Andean Region
A Leading Financial Services Group in the Andean Region, with Dominant Share in Each of its Businesses in Peru A Leading Financial Services Group in the Andean Region, with Dominant Share in Each of its Businesses in Peru Countries Market position Net Income Total Assets Lines of Business Subsidiari
Slide 4: Strengthening Core Businesses and Leading in Innovation Through a Unified Digital Ecosystem
Strengthening Core Businesses and Leading in Innovation Through a Unified Digital Ecosystem Strengthening Core Businesses and Leading in Innovation Through a Unified Digital Ecosystem Reinforcing Leadership Position of Core Businesses Complementing Core Businesses and Operating as a Top Player Lever
Slide 5: A Disciplined Innovation Portfolio as a Growth Avenue
A Disciplined Innovation Portfolio as a Growth Avenue, Targeting a 10% Risk-adjusted Revenue Contribution A Disciplined Innovation Portfolio as a Growth Avenue, Targeting a 10% Risk-adjusted Revenue Contribution Innovation Portfolio Investment Appetite Other Yape reaches relevant maturity and exits
Slide 6: Our North Stars Serve as Foundation for Long-Term Ambitions
Our North Stars Serve as Foundation to Achieve Strong Performance And Driver Our Long-Term Ambitions Customer Experience Efficiency Growth Developing new More cost-efficient Penetrating untapped solutions for changing and digital segments customer needs distribution 1Q26 | Corporate Presentation 6
Slide 7: Why Invest in Credicorp?
Why Invest in Credicorp? Why Invest in Credicorp? Prioritizing Leading Market Positions in an 1 Underpenetrated Region with Clear Growth Avenues 2 Scaling an Integrated Digital Ecosystem Unlocking Synergies by Leveraging Shared 3 Capabilities Across the Ecosystem Delivering Strong, Resilient Returns
Slide 8: Unlocking Financial Access Where It's Needed Most
Unlocking Financial Access Where Itʼs Needed Most 1 Unlocking Financial Access Where Itʼs Needed Most Peruʼs Social Indicators Untapped Potential Opportunities in Peruʼs (2024) for Financial Services in Peru Unpenetrated Businesses Poverty (%of Population) 27.6% (%of GDP) Loans1 Dec 25 Deposits1 Dec
Slide 9: Enhancing Financial Access to Support Credit Portfolio Expansion
Enhancing Financial Access To Support the Expansion of Our Credit Portfolio While Strengthening Fees and Other Income Growth 1 Enhancing Financial Access To Support the Expansion of Our Credit Portfolio While Strengthening Fees and Other Income Growth Growth Opportunity Loans Fees and Other Income C
Slide 10: Why Invest in Credicorp?
Why Invest in Credicorp? Why Invest in Credicorp? Prioritizing Leading Market Positions in an 1 Underpenetrated Region with Clear Growth Avenues 2 Scaling an Integrated Digital Ecosystem Unlocking Synergies by Leveraging Shared 3 Capabilities Across the Ecosystem Delivering Strong, Resilient Returns
Slide 11: Digital Ecosystem Expansion Fueling Strong Client Growth and Engagement
Digital Ecosystem Expansion Fueling Strong Client Growth and Engagement 2 Digital Ecosystem Expansion Fueling Strong Client Growth and Engagement Credit Cards Number of BCP Clients1 and Consumer Acquiring Pension Loans SuperApp Business Fund InMillions 19.7 17.8 15.1 12.7 9.6 10.8 8.5 7.4 Credicorp
Slide 12: Strengthening our Ecosystem Through the Virtuous Financial Inclusion Cycle
Strengthening our Ecosystem Through the Virtuous Financial Inclusion Cycle 2 Strengthening our Ecosystem Through the Virtuous Financial Inclusion Cycle More Access &Usage Ambition 2025 2028 More clients, higher usage Financially More Digital Included Peruvians¹ 6.6M 8.0 M Engagement Service Increase
Slide 13: Yape: Revenue Growth Fueled by Wider Adoption of New Payment Features
2 Yape: Revenue Growth Fueled by Wider Adoption of New Payment Features and Increased Transaction Volumes Opportunity Ambition Where We are So Far Fee Income: Payments and Payments: Monthly Revenue- Providing Access to Transactional Services Generating Transactions per MAU +19 M Clients (S/ millions
Slide 14: Yape: Lending Growth Potential Powered by Transactional Data
2 Yape: Lending Growth Potential Powered by Transactional Data Opportunity Ambition Where We are So Far Market Share for Loan Disbursed Clients Disbursements (S/ millions) 2028 Multiply Revenues Tickets between +7 Million S/ 2,000 - S/ 10,000 3x Pre-Approved Clients 10% Pre-approved 4.9 individual c
Slide 15: Digital Ecosystem at Work: Unlocking Scalable Growth Across Businesses
Digital Ecosystem at Work: Unlocking Scalable Growth Across Businesses 2 Digital Ecosystem at Work: Unlocking Scalable Growth Across Businesses Bancassurance Ecosystem Mass Distribution Leveraging the Credicorp Ecosystem Product Factory Tailored Design Experimentation Mindset APIs as Tech Enablers N
Slide 16: Bancassurance: Leveraging Credicorp's Ecosystem to Capture Growth
Bancassurance: Leveraging Credicorp's Ecosystem to 2 Capture Growth Opportunities Opportunity Ambition Where We are So Far Pacifico Premiums (S/ millions) 2030 Potencial to Access +18M Most Protected Country in Latam 1.6x Clients 2x 1,567 #Clients 2028 Insurance Penetration¹ 817 956 3x 2027 2.5% Ban
Slide 17: Supply Chain Finance: Capturing Growth Potential Across Segments
Supply Chain Finance: Capturing Growth Potential Across Segments 2 Supply Chain Finance: Capturing Growth Potential Across Segments Opportunity Ambition Where We are So Far Supply Chain Finance: 2030 Loans¹: SMEs are leading Factoring Penetration, 2024¹ growth in SCF (% of GDP) (S/ millions) One-Sto
Slide 18: Why Invest in Credicorp?
Why Invest in Credicorp? Why Invest in Credicorp? Prioritizing Leading Market Positions in an 1 Underpenetrated Region with Clear Growth Avenues 2 Scaling an Integrated Digital Ecosystem Unlocking Synergies by Leveraging Shared 3 Capabilities Across the Ecosystem Delivering Strong, Resilient Returns
Slide 19: Parenting Advantage: Using Data, AI, and Risk Management
Parenting Advantage: Using Data, AI, and Risk Management to Build a Scalable Digital Ecosystem 3 Parenting Advantage: Using Data, AI, and Risk Management to Build a Scalable Digital Ecosystem Strengthening tech capabilities Scaling AI to transform Risk Management to accelerate growth the way we oper
Slide 20: Technology Investments Drive Scalable Growth and Boost Operating Income
Technology Investments Drive Scalable Growth and Boost Operating Income 3 Technology Investments Drive Scalable Growth and Boost Operating Income Change since 2019 Operating Income and IT Opex Cybersecurity Risk (vulnerability exposure) (As %of Operating Income)1 -80% 2025 vs 20233 22.4 20.7 19.1 +1
Slide 21: Improvement in Risk Capabilities Significantly Benefited Credit Decisions
Improvement in Risk Capabilities Significantly Benefited Credit Decisions 3 Improvement in Risk Capabilities Significantly Benefited Credit Decisions Reduction TTM in BCPʼs Increase in origination volumes Sharp drop in BCP consumer loan model TTM¹ for SME digital products Provisions (weeks) (S/ mill
Slide 22: Why Invest in Credicorp?
Why Invest in Credicorp? Why Invest in Credicorp? Prioritizing Leading Market Positions in an 1 Underpenetrated Region with Clear Growth Avenues 2 Scaling an Integrated Digital Ecosystem Unlocking Synergies by Leveraging Shared 3 Capabilities Across the Ecosystem Delivering Strong, Resilient Returns
Slide 23: Decoupling from the Macro as Peru's Growth Moderates
With Peruʼs Growth Moderating, We Turned Our Focus to Decoupling from the Macro 4 With Peruʼs Growth Moderating, We Turned Our Focus to Decoupling from the Macro 6,925 21.7% 5,501 4,866 4,648 4,092 4,265 3,984 3,515 3,585 3,092 2,388 3.9% 1,950 2,080 1,614 1,538 Net Income (S/ Millions) 347 Nominal
Slide 24: Strengthening our Risk-Adjusted Revenue Through Diversification
Strengthening our Risk-Adjusted Revenue Through Diversification 4 Strengthening our Risk-Adjusted Revenue Through Diversification Revenue Streams Evolution (S/ Millions) Credicorp Risk Adjusted Revenue: Upward trend reflects resilience through the cycles and diversification of revenue streams FX Inc
Slide 25: Delivering Strong Total Shareholder Returns (TSR)
Captured and Multiplied the Value of Peruʼs Transformation Delivering Strong Total Shareholder Returns (TSR) 4 Captured and Multiplied the Value of Peruʼs Transformation Delivering Strong Total Shareholder Returns (TSR) Indexed Total Shareholder Return (100=Oct95 PE CO; Jan97 CH; Jun97 BR; Jun09 MX)
Slide 26: Medium Term ROE Expectations Driven by Capability Building and Innovation
Medium Term ROE Expectations Driven by Capability Building and and Innovation 4 Medium Term ROE Expectations Driven by Capability Building and and Innovation Early Investments Capability Building Scaling Adoption Long-term &Capability Building &Scaling Adoption &Monetizing Ambitions 2017 - 20191 202
Slide 27: Recap of Key Investment Drivers
Recap of Key Investment Drivers Recap of Key Investment Drivers Prioritizing Leading Market Positions in an 1 Underpenetrated Region with Clear Growth Avenues 2 Scaling an Integrated Digital Ecosystem Unlocking Synergies by Leveraging Shared 3 Capabilities Across the Ecosystem Delivering Strong, Res
Slide 28: Strategic Priorities as Anchors
Strategic Priorities as Anchors Accelerating Digital Ensuring Integrating Transformation the Best Talent Sustainability, and Innovation at Credicorp Through a Compelling at the Core of and Its Subsidiaries Value Proposition Our Business 1Q26 | Corporate Presentation 28
Slide 29: Disciplined Innovation Portfolio Management
Disciplined Innovation Portfolio Management Ensures it is Well-diversified, Aligned with Our Strategic Goals, and within Our Financial Limits Disciplined Innovation Portfolio Management Ensures it is Well-diversified, Aligned with Our Strategic Goals, and within Our Financial Limits Activity Strateg
Slide 30: Our Innovation Strategy Has Clear Goals, Domains and Priorities
Our Innovation Strategy Has Clear Goals, Domains and Priorities Our Innovation Strategy Has Clear Goals, Domains and Priorities North Star: 10%of BAPʼs revenues after provisions by 2026 1 2 3 What Gain and defend Expand our TAM Accelerate North Star and goals market penetration by and cover adoption
Slide 31: Ensuring the Best Talent Through a Compelling Value Proposition
Ensuring the Best Talent Through a Compelling Value Proposition Learning Chapters: Upskilling +5,000 Data & Analytics 2023: 88% of participants Digital Talent1 in our companies significantly enhanced their knowledge (As of August, 2025) + Cybersecurity 2024: 66% of participants significantly enhance
Slide 32: Embedding Sustainability at the Core of Our Business Strategy
Embedding Sustainability at the Core of Our Business Strategy Financial Inclusion Financial Education People financially included1 People who received financial education2 (Million) (thousand, not exhaustive) 6,6 1,164 715 574 518 423 369 345 0,5 296 272 214 2023 138 115 2024 2020 2021 2022 2023 202
Slide 33: Three Strategic Pillars with an Overarching Country Vision Approach
Our Vision is to Continue Generating Impact Through Three Strategic Pillars with an Overarching “Country Vision” Approach Financial Inclusion Health insurance Inclusion and Education & quality healthcare Impact Plan Finance Trust in Credicorp Trust in the Support Sustainable Trust for the to MSMEs¹
Slide 34: LOB Summary
LOB Summary May 2026
Slide 35: BCP is the #1 Bank in Peru with Unparalleled Customer Reach
BCP is the #1 Bank in Peru with Unparalleled Customer Reach and Diversified Sources of Revenue 1Q26 Peru is an Attractive Market to Grow with Financial Products Assets 214,082 %Cashless2/GDP %Deposits/GDP (S/Millions) [ 2024 ] [ Dec-25] Loans1 128,142 (S/Millions) 28 39 Portfolio Mix 1 Wholesale 45%
Slide 36: Yape Builds Long-Term Value Across the Ecosystem
Yape Builds Long-Term Value Across the Ecosystem, Unlocking Further Growth Opportunities 1Q26 Payments: Monthly Transactions per MAU (# Monthly Transactions / MAU) MAU 1 • 16.4 million 66.5 10%-6 0 % TAM penetration of main Payments products Payments • 67 million bill payments trxs • 47% of Yape’s R
Slide 37: Mibanco is the #1 Peruvian Microfinance with a Replicable Business Model
Mibanco is the #1 Peruvian Microfinance with a Replicable Business Model in an Untapped Region 1Q26 Significant Untapped Potential Peru Colombia Assets 19,110 3,138 (S/Millions) ~7 M M unbanked businesses ~12 M M unbanked businesses and individuals Loans1 14,080 2,618 and individuals (6-8MM served b
Slide 38: Insurance and Pension Businesses Rank #2 in Premiums and AUMs in Peru
The Insurance and Pension Businesses Rank #2 in Premiums and AUMs in Peru, the Fastest Growing and Least Penetrated Market in LatAm 1Q26 1Q26 Peru is the highest growing & least penetrated Assets 21,109 insurance market in Latin America AuMs 31,610 (S/ Millions) (S/ Millions) 79.0% Flow Insurance US
Slide 39: In IM & A, our Diversified Portfolio Delivered Solid Results
In IM & A, our Diversified Portfolio have Delivered Solid and Sustainable Results Focus on Recurring & 1Q26 Scalable Business Our Regional Presence WM AuMs 25,332 Wealth 36% Management (US$ Millions) AM AuMs 35,864 (US$ Millions) 32% Capital Markets Net Income (Sales + Trading) Capital Markets Leadi
Slide 40: 1Q26 Quarterly Results
1Q26 Quarterly Results May 2026
Slide 41: 1Q26 Key Financial Highlights
1Q26 Key Financial Highlights 1Q26 Key Financial Highlights 1 2 3 4 Loan Portfolio Expanded Higher NIM on Funding Growing Diversified Diversified Business While Asset Quality Improved Tailwinds Recurring Sources of Income and Solid Capital Base Total Loans1 NII Fee Income Earnings Contributions3 +8.
Slide 42: 1Q26: Domestic Demand Growth Above 5% For Sixth Consecutive Quarter
1Q26: Domestic Demand Growth Above 5% For Sixth Consecutive Quarter 1Q26: Domestic Demand Growth Above 5%For Sixth Consecutive Quarter High-Frequency Economic Indicators 1Q26 (YoY %change)2 GDP and Domestic Demand Growth 36 37 37 (%change)1 23 18 Domestic Demand GDP 14 9 6.2 6.1 6.0 5.7 5.4 Buying a
Slide 43: Higher Oil Prices Reinforce Caution Among Central Banks
Higher Oil Prices Reinforce Caution Among Central Banks Higher Oil Prices Reinforce Caution Among Central Banks 3.5 3.4 2.8 2.6 2.4 2.6 2.5 3.2 GDP 2.1 2.3 1.9 2024 (YoY %change)1 1.7 2025 2026E US Colombia Chile Peru Inflation CPI Rates Central Bank Policy Rates (YoY %change)2 (%)3 11.25 Peru Colom
Slide 44: Universal Banking: Strong Profitability Supported by Loan Growth
Universal Banking: Strong Profitability Supported by Loan Growth, a Disciplined Approach to Risk and Diversified Revenues Universal Banking: Strong Profitability Supported by Loan Growth, a Disciplined Approach to Risk and Diversified Revenues 1Q25 4Q25 1Q26 Risk-Adjusted NIM and Cost of Risk (%) RO
Slide 45: BCP, Leading the Market Across Loan Products
BCP, Leading the Market Across Loan Products Total Loans 29% 30% 29% 29% 29% 30% (%) Dec 19 Dec 22 Dec 23 Dec 24 Dec 25 Mar 26 36% 37% 38% 37% 38% 38% Wholesale 20% 20% 18% 19% 19% 16% 20% 20% 20% 11% 12% 13% 14% 14% 13% 14% 13% 14% 33% 32% 32% 32% 33% 33% 26% 23% 24% 25% 26% 26% Mortgage 14% 14% 17
Slide 46: BCP Continues to be the Undisputable Market Leader Across Deposits
BCP Continues to be the Undisputable Market Leader Across Deposits 30% 33% 32% 32% 33% 33% Total Deposits (%) Dec 19 Dec 22 Dec 23 Dec 24 Dec 25 Mar 26 38% 39% 41% 41% 41% 41% Savings 21% 20% 19% 19% 19% 18% 16% Deposits 13% 14% 11% 11% 15% 9% 14% 9% 14% 9% 14% 42% 41% 40% 39% 39% 36% Demand 22% 19%
Slide 47: Yape: Monetization and Operating Leverage Reinforce Earnings Potential
Yape1: Monetization and Operating Leverage Reinforce its Long-Term Earnings Potential Yape1:Monetization and Operating Leverage Reinforce its Long-Term Earnings Potential Active Users and Engagement Financial Results (S/) MAU (millions) Monthly Revenues/MAU2 # Monthly Monthly Expenditures/MAU2 Trans
Slide 48: Mibanco Peru: Stronger Profitability Reflects Disciplined Growth
Mibanco Peru: Stronger Profitability Reflects Disciplined Growth, Solid Margins and a More Dynamic Economic Backdrop Mibanco Peru: Stronger Profitability Reflects Disciplined Growth, Solid Margins and a More Dynamic Economic Backdrop 1Q25 4Q25 1Q26 Historical NPL Ratio (%) ROE1 14.7% 20.0% 21.7% NPL
Slide 49: Grupo Pacifico: Delivered Strong 1Q26 Profitability
Grupo Pacifico: Delivered Strong 1Q26 Profitability, On The Back Of Sound Commercial Dynamics in the Life Business Grupo Pacifico: Delivered Strong 1Q26 Profitability, On The Back Of Sound Commercial Dynamics in the Life Business 1Q25 4Q25 1Q26 Grupo Pacifico's Drivers ROE1 19.3% 18.6% 18.9% (% chan
Slide 50: Market Share Across P&C, Health and Pension Funds
We Maintain our Strong Market Share Across P&C and Health Businesses in the Insurance Industry, While AUMs Market Share Remained Resilient in Pension Funds Industry Dec 19 Dec 23 Dec 24 Dec 25 Mar 26 44% 41% 44% 44% 42% 42% 37% 38% 38% 37% Health 19% 20% 20% 15% 19% 45% Pacifico 42% 38% 42% 39% 40%
Slide 51: IM&Advisory: Strong Capital Markets, Wealth and Asset Management Activity
IM Advisory: Strong Capital Markets, Wealth and Asset Management Activity Drove Sound Results IM&Advisory: Strong Capital Markets, Wealth and Asset Management Activity Drove Sound Results 1Q25 4Q25 1Q26 IM&Advisory Drivers ROE1 16.4% 14.3% 15.7% (in US$ millions) Mar 25 Mar 26 Variation WM AUMs2 19,
Slide 52: Historical Consolidated Performance Metrics
Historical Consolidated Performance Metrics May 2026
Slide 53: Credicorp Key Financial Metrics
Credicorp Key Financial Metrics Credicorp Key Financial Metrics Under IFRS4 Under IFRS 17and new Regulatory Capital Ratios Year % Change Summary Results 2019 2022 2023 2024 2025 1Q25 1Q26 1Q26/1Q25 Net Income (S/ Millions) 4,352 4,760 4,960 5,623 7,083 1,815 2,110 16.3% Results Net Income attributat
Slide 54: Loan Mix Shift Towards Retail Sustain Margins While Risk Metrics Improve
Loan Mix Shift Towards Retail Sustain Margins While Risk Metrics Continue to Improve 6.3% 6.3% 6.6% 6.0% 6.2% 5.4% 5.3% 5.3% 5.9% 5.2% 5.8% Internal Overdue ratio 4.4% 4.3% 5.1% Cost of Risk 4.8% 4.5% 4.2% NIM 3.9% 4.3% 3.7% Risk Adjusted NIM 3.2% 3.7% 2.9% NPL 2.5% 2.9% 2.4% 1.6% 1.6% 1.6% 1.3% 150
Slide 55: Return on Assets Maintains an Upward Trend
Return on Assets Maintains an Upward Trend Interest Earning Assets Structure Evolution of Assets Structure (S/millions) & ROAA (S/255,522 million as of Mar 2026) 2.8% 3.0% 0.9% 2.3% 2.6% 2.0% 2.0% 2.2% 16.8% 278,514 267,363 256,089 254,073 8.3% 7.9% 235,414 238,840 6.0% 7.1% 17.1% 5.2% 6.0% 16.2% 16
Slide 56: YoY Evolution in Loans Impacted by Non-Cash Accounting Adjustment
YoY Evolution in Loans Impacted by a Non-Cash Accounting Adjustment at BCP Bolivia and by Sol Appreciation. Adjusting For These Effects, Loan Book Rose 9.1% YoY Total Loans by Segment1 (End of Period) TOTAL LOANS TOTAL LOANS % change (2) % Part. in Total Loans % Dollarization Expressed in S/ million
Slide 57: Dollarization Fell YoY, Mainly Driven by Growth in Retail Loans
Dollarization Fell 10 bps YoY, Mainly Driven by Growth in Retail Loans Evolution of the Dollarization Level of Total Loans1 (%) (1) Figures measured at End of Period. (2) The FC share of Credicorp’sloan portfolio is calculated including BCP Bolivia and ASB Bank Corp., however the chart shows only th
Slide 58: Our Low-cost Deposit Base Represents a Key Competitive Advantage
Our Low-cost Deposit Base Represents a Key Competitive Advantage Funding Structure Evolution of Funding Structure (millions) (S/209,464 millions as of March 2026) 2.91% 2.74% Funding cost (%) 7.0% 2.36% 2.31% 2.42% 2.11% 4.9% 1.7% 1.1% 0.5% 1.7% 22.9% 209,464 35.0% 198,926 203,346 193,069 184,747 (1
Slide 59: Funding Cost Declined Due to Lower Interest Rates
Funding Cost Declined Due to Lower Interest Rates and a More Favorable Mix Funding Cost by Subsidiaries Funding Cost by Currency 3.4 3.3 6.70% 3.34% 3.2 3.1 3.0 2.91% 2.9 2.80% 2.8 6.02% 2.7 2.74% 2.51% 2.48% 2.6 2.67% 2.43% 4.91% 2.5 2.38% 2.5 2.4 2.42% 2.4 2.29% 2.36% 2.3 2.31% 2.42% 2.3 2.2 2.11%
Slide 60: The L/D Ratio Has Decreased Over the Years
The L/D ratio has decreased over the years due to higher low-cost deposits, driven by improvements in our transactional offer that attracted inflows from AFP withdrawals Mix of Deposits Deposits by currency 103.22% 101.09% 98.15% 90.05% 88.02% 89.58% 85.55% 112,005 147,021 147,705 161,842 167,209 15
Slide 61: Dollarization Fell in Low-Cost Deposits
Dollarization Fell in Low-Cost Deposits Due To Pension Funds Inflows and Improvements in Our Transactional Offerings Breakdown by Deposit Type and currency 28% 25% 23% 42% 39% 36% 54% 49% 48% 55% 48% 48% 72% 75% 77% 58% 61% 64% 46% 51% 52% 45% 52% 52% Mar 24 Mar 25 Mar 26 Mar 24 Mar 25 Mar 26 Mar 24
Slide 62: Over Half of Total Deposits Come from Individual Customers
Over Half of Credicorp’s Total Deposits Come from Individual Customers, Showing a Steady Increase in Savings Deposits Over Time Total Deposits Demand Deposits 96,773 130,058 145,652 154,839 143,936 161,956 29,608 43,487 47,651 50,002 47,913 54,744 49.3% 48.4% 47.5% 45.0% 46.6% 44.6% 93.9% 91.4% 89.4
Slide 63: Downward Trend in NPL Ratios
Downward Trend in NPL Ratios Mainly Driven by a Favorable Economic Outlook and Fortified Risk Management Non-Performing Loans (NPL) Ratio by Segment 14.3% 13.9% 12.6% 12.4% 11.3% 11.1% SME Mibanco Individuals Credicorp BCP Bolivia 7.4% Wholesale 7.0% 6.4% 6.1% 5.9% 5.4% 5.2% 5.3% 5.3% 5.1% 4.9% 4.5%
Slide 64: Lower Cost of Risk Reflects Improved Payment Performance
Lower Cost of Risk Reflects Improved Payment Performance Across Most Segments Evolution of Credicorp’s Cost of Risk by Subsidiary (Total Cost of Risk and Total Loans Coverage Ratio) Allowance for 4.4% 5.3% 5.7% 5.5% 5.1% 5.5% 4.9% loan losses/ Total Loans Mibanco BCP Stand-alone 6.0% 5.7% BCP Bolivi
Slide 65: Wholesale Banking NPL Ratio
Lower NPL Ratio YoY Due to Debt Repayments From Specific Corporate Clients in Real State and Commercial Sectors Wholesale Banking Collateral level: 27%* *Collateral levels as of Dec 2025. 1Q26 | Corporate Presentation 65
Slide 66: SME – Business NPL Ratio
NPL Ratio Edged Higher YoY Mainly Due to a Decline in Loan Volumes SME – Business Collateral level: 70%* *Collateral levels as of Dec 2025. 1Q26 | Corporate Presentation 66
Slide 67: SME – Pyme NPL Ratio
Lower NPL Ratio YoY as Repayments by Clients in the Judicial Recovery Stage Reduced NPL Volumes SME – Pyme Collateral level: 32%* *Collateral levels as of Dec 2025. 1Q26 | Corporate Presentation 67
Slide 68: Mortgage NPL Ratio
NPL Ratio Improved YoY Driven Mainly by Higher Loan Disbursements Amid Improvements in the Economic Environment and Lower Interest Rates Mortgage Loan-to-Value: 71%* *Loan-to-Value as of Dec 2025. 1Q26 | Corporate Presentation 68
Slide 69: Consumer NPL Ratio
Lower NPL Ratio YoY as Debt Amortizations Fueled by High Liquidity Reduced NPL Volumes Consumer 1Q26 | Corporate Presentation 69
Slide 70: Mibanco NPL Ratio
NPL Ratio Decreased YoY As NPL Volumes Fell due to Improvements in Risk and Collections Management Mibanco Collateral level: 5%* *Collateral levels as of Dec 2025. 1Q26 | Corporate Presentation 70
Slide 71: BCP Bolivia's NPL Ratio Decreased YoY
BCP Bolivia’s NPL Ratio Decreased YoY as its Loan Portfolio Edged Higher BCP Bolivia 1Q26 | Corporate Presentation 71
Slide 72: Resilient NIM Bolstered by Lower Funding Cost
Resilient NIM Bolstered by Lower Funding Cost, While Risk-Adjusted NIM Maintains an Upward Trend Historical NIM & Risk-Adjusted NIM Historical NIM by subsidiaries 14.75% 14.59% 14.93% 13.83% 13.94% 6.58% 13.24% 13.19% 6.29% 6.27% 6.22% 6.00% 5.40% 5.09% 5.81% 5.28% 5.24% 4.77% 5.70% 6.01% 5.84% 5.80
Slide 73: Strong Fee Income and FX Gains Highlight Diversification Strategy
Strong Fee Income and FX Gains Highlight the Consistent Execution of Our Diversification and Decoupling Strategy 1 Other Income (S/ Millions) 6,821 6,112 16% 5,656 16% 5,066 17% 4,902 23% 7% 19% 22% 21% 16% Others 4 15% 1,856 Net gain on foreign exchange transactions 1,690 Fee income 14% 21% 24% 62%
Slide 74: In Insurance, Life Results Decreased Due to Higher Expenses
In Insurance, Life Results Decreased Due to Higher Expenses Mainly in Group Life and Lower Income from Disability and Survivorship (D&S) Income from Insurance Services Expenses from the Insurance Services (S/ Millions) (S/ Millions) 1,211 2,033 77 1,076 1,820 261 0 1,737 329 41 214 911 101 336 164 3
Slide 75: In Insurance, P&C Results Decreased Due to Lower Commercial Lines Income
In Insurance, P&C Results Decreased Due to Lower Income in Commercial Lines Income from Insurance Services Expenses from Insurance Services (S/ Millions) (S/ Millions) 1,960 1,212 1,875 1,139 1,150 46 172 1,695 431 155 1,660 402 59 58 981 18 376 507 512 490 453 553 463 391 446 534 Personal Lines 102
Slide 76: Efficiency Remains on Track Within Guidance
Efficiency Remains on Track Within Guidance, While Investing for Future Competitiveness Operating Income and Expenses (S/ Million) 46.6% 45.7% 45.8% 46.1% 42.4% 45.0% Fee income and other 0.0 operating income (1) 22,398 -0.5 -1.0 -1.5 20,684 -2.0 -2.5 19,056 -3.0 -3.5 34.3% -4.0 -4.5 31.8% -5.0 15,5
Slide 77: Efficiency Evolution Driven Mainly by Core Businesses
Efficiency Evolution was Driven Mainly by the Core Businesses at BCP Stand-alone, Mibanco and Pacifico, as Well as Our Innovation Portfolio Initiatives Efficiency ratio by subsidiary (%) BCP Stand-alone BCP Bolivia Mibanco - Peru Pacifico 2019 40.7% 60.0% 53.0% 40.2% 2020 40.9% 87.8% 62.6% 39.0% 202
Slide 78: Credicorp's Capital Position Maintains a Significant Buffer
Credicorp’s Capital Position Maintains a Significant Buffer over Regulatory Requirements Capital Coverage Ratios Regulatory Capital Requirement Breakdown Mar 26 9.11% 6.31% 2.07 2.00 6.74% 1.93 1.71 1.67 1.61 1.38 1.35 1.35 Regulatory Common Equity Tier 1 Capital Ratio Regulatory Tier 1 Capital Rati
Slide 79: Contact Information Investor Relations
Contact Information Investor Relations E-mail: investorrelations@credicorpperu.com https://credicorp.gcs-web.com/ 1Q26 | Corporate Presentation 79
Slide 80: 1Q26 Corporate Presentation
1Q26 Corporate Presentation May 2026