Slide 1: 4Q25 Earnings Conference Call
4Q25 Earnings Conference Call February 2026
Slide 2: Safe Harbor
Safe Harbor This material includes “forward-looking statements” within the meaning of Section 27A of the U.S. Securities Act of 1933 and Section 21E of the U.S. Securities Exchange Act of 1934. All statements other than statements of historical fact are forward-looking and may contain information ab
Slide 3: An Integrated Digital Ecosystem Driving Sustainable Growth and Outperforming the Macro
An Integrated Digital Ecosystem Driving Sustainable Growth and Outperforming the Macro Universal Banking Microfinance Insurance Investment Management & Advisory Enhanced customer experience Recovered profitability, while True product factory; leveraging Diversified portfolio and and strengthened dig
Slide 4: Agreement to Acquire 100% of Helm Bank: A Strategic Step to Reinforce Cross-Border Value Creation
Agreement to Acquire 100% of Helm Bank: A Strategic Step to Reinforce Cross-Border Value Creation 1 Context: Structural Migration of LatAm Assets To US • The U.S. as preferred jurisdiction for asset migration. • Florida as key hub for cross-border investment, banking and real estate. 2 Target Segmen
Slide 5: 4Q25 Results Underscore Strong Execution and Favorable Operating Momentum
4Q25 Results Underscore Strong Execution and Favorable Operating Momentum Innovation Portfolio 1 Solid Operating Performance Reinforced by Diversified Income Sources ROE 16.9% Risk-adj. Revenue Share1 8.1% 2 Higher Margins, Supported by Low-Cost Funding and Lower than Expected CoR Risk Adj. NIM 5.5%
Slide 6: 4Q25 Key Financial Highlights
4Q25 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 Contributions4 +3.6% +4.2% +5.2% 75.4% Universal
Slide 7: 2026: Third Consecutive Year Of GDP Growth Around 3.5%, With Domestic Demand Exceeding 4%
2026: Third Consecutive Year Of GDP Growth Around 3.5%, With Domestic Demand Exceeding 4% Copper & Gold price (USD per pound, as of 10-feb)2 Gold (LHS) Copper (RHS) GDP growth in selected periods 6,000 7 6 5,000 (% change) 1 5 4,000 4 3,000 3 GDP Domestic Demand 2,000 7.9 2 1,000 1 6.7 0 0 Jan-00 Ja
Slide 8: Fed Policy to Loosen Further, Peru Around Neutral Stance
Fed Policy to Loosen Further, Peru Around Neutral Stance 3.5 3.4 3.5 2.8 2.7 2.7 2.7 GDP 2.1 2.4 2.6 2.4 (YoY % change) 1 1.7 2024 2025F 2026F US Colombia Chile Peru Inflation CPI Rates Central Bank Policy Rates (YoY %change)2 (%)3 Peru 10.25 Colombia Chile 4.50 5.4 U.S. 4.25 3.75 2.8 2.7 1.7 Dec20
Slide 9: Universal Banking: Strong 2025 Profitability Anchored by Diversified Revenue Streams and Disciplined Risk Management
Universal Banking: Strong 2025 Profitability Anchored by Diversified Revenue Streams and Disciplined Risk Management 3Q25 4Q25 FY25 Risk-Adjusted NIM and Cost of Risk (%) ROE 1 25.6% 23.0% 24.7% 4.9% 5.0% 5.2% 5.2% 5.2% Risk-adjusted NIM 1.8% BCPʼs Drivers 1.3% 1.2% 1.3% 1.4% Cost of Risk 4Q24 1Q25
Slide 10: Yape: Ecosystem Scale and Monetization Momentum with Lending Now at 23% of Platform Revenue
Yape1: Ecosystem Scale and Monetization Momentum with Lending Now at 23% of Platform Revenue Active Users and Engagement Financial Results (S/) MAU (millions) Monthly Revenues/MAU # Monthly Monthly Expenditures/MAU Transactions/MAU 9.6 66 58 51 7.4 6.2 6.5 6.1 15.9 15.5 6.1 13.7 5.0 5.0 4.7 4.4 Dec2
Slide 11: Mibanco Peru: 4Q25 ROE Hits 20% on NIM Expansion and Improved Asset Quality, Amid Steady Economic Recovery
Mibanco Peru: 4Q25 ROE Hits 20% on NIM Expansion and Improved Asset Quality, Amid Steady Economic Recovery 3Q25 4Q25 FY25 Historical NPL Ratio (%) ROE 1 18.8% 20.0% 16.6% NPL Ratio 7.4% 6.1% 5.7% 5.3% Mibanco Peru Drivers 4Q22 4Q24 3Q25 4Q25 3Q25 4Q25 FY25 5.5% 4.7% 5.2% 4.8% Cost of Risk Loans2 13,
Slide 12: Grupo Pacifico: Achieved Sound 2025 Profitability, Demonstrating Sustainable ROE in the Low 20s
Grupo Pacifico: Achieved Sound 2025 Profitability, Demonstrating Sustainable ROE in the Low 20s 3Q25 4Q25 FY25 Grupo Pacifico's Drivers ROE 1 20.9% 18.6% 21.4% (% change) QoQ YoY YTD Insurance Underwriting -16.1% +10.9% +26.0% Results Grupo Pacificoʼs Insurance Service Results (S/ millions, %) Net I
Slide 13: IM & A: Strong AM and Capital Markets Activity Drive Strong Full Year Results
IM & A: Strong AM and Capital Markets Activity Drive Strong Full Year Results 3Q25 4Q25 FY25 IM & Advisory Drivers ROE 1 17.4% 14.3% 16.4% (in US$ millions) Dec24 Dec25 Variation WM AUMs2 19,392 24,026 +23.9% Income by Business2 (%, S/ millions) 297 290 269 AM AUMs2 25,863 34,830 +34.7% 35 41 38 Oth
Slide 14: Improved Funding Mix and Loan Growth Drive Resilient Margins
Improved Funding Mix and Loan Growth Drive Resilient Margins QoQ Assets Dynamics: Loan Portfolio Accelerates While Pension Liabilities: Low-cost Deposits Now at 61% of Total Funding Funds Withdrawals Boost Excess Liquidity after Pension Fund Withdrawals Interest Earning Asset (IEA) Structure Funding
Slide 15: Asset Quality Strengthened Further Amid a Steady Economic Recovery and Risk Management Measures
Asset Quality Strengthened Further Amid a Steady Economic Recovery and Risk Management Measures NPLs Contracted QoQ Across Segments Slight QoQ Increase in Provisioning Reflects Retail Banking Dynamics and Specific Impacts in Wholesale Banking Total NPLs1 Total Provisions³ (S/ millions) (S/ millions)
Slide 16: Revenue Diversification Supported Core Income Expansion, with Efficiency in Line with Guidance
Revenue Diversification Supported Core Income Expansion, with Efficiency in Line with Guidance Resilient Risk-Adjusted NIM Complemented Anual Operating Expenses Increased Driven by Core Business by Other Core Income Growth at BCP and Innovation Portfolio Initiatives Core Income Accumulated Operating
Slide 17: Delivered Remarkable 2025 Profitability, Supported by Broad-Based Business Strength
Delivered Remarkable 2025 Profitability, Supported by Broad-Based Business Strength Net Income and ROE Accumulated ROE Excluding 18.6% Banmedicaʼs (S/ millions, %) Results transaction Gain² Annual Results¹ 19.0% 17.0% 16.8% 16.5% 6,925 15.8% 5,501 13.9% 4,648 4,866 4,265 3,585 1.4% 347 2019 2020 202
Slide 18: 2025 Guidance Delivery and 2026 Outlook
2025 Guidance Delivery and 2026 Outlook 2025 Guidance FY25 Results 2026 Guidance Real GDP Growth around 3.0% +3.4% around 3.5% Loan Portfolio Growth1 around 6.5% +4.1%2 around 8.5% Net Interest Margin (NIM) 6.2% – 6.5% 6.3% 6.4% – 6.7% Cost of Risk 1.8% - 2.2% 1.6% 1.7% - 2.1% Risk-Adjust NIM 5.0% -
Slide 19: 4Q25 Closing Remarks
1 2 Entering 2026 with strong Profitable growth outlook momentum discipline, and for 2026 supported by conviction—ready to turn a resilient margins and positive cycle into sustainable improving asset quality 4Q25 long term value Closing Remarks 3 4 Disciplined execution Digital ecosystem scaling, ac
Slide 20: 4Q25 Earnings Conference Call
4Q25 Earnings Conference Call February 2026