Slide 1: 3Q25 Earnings Conference Call
3Q25 Earnings Conference Call November 2025
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: Robust 3Q25 Results Underscore Strong Execution and Favorable Operating Momentum
Robust 3Q25 Results Underscore Strong Execution and Favorable Operating Momentum Innovation Portfolio Solid Operating Performance Reinforced ROE 1 by Diversified Income Sources 19.6% Risk-adj. Revenue Share1 7.4% Risk Adj. NIM Higher Margins, Supported by Low-Cost MS of Low-Cost Deposits2 2 Funding
Slide 4: 3Q25 Key Financial Highlights
3Q25 Key Financial Highlights 1 2 3 4 FX Neutral Loan Portfolio Higher NIM on Funding Growing Diversified Sources Diversified Business Expanded While Asset Tailwinds of Income and Solid Capital Base Quality Improved Total FX Neutral Loan NII Fee Income Earnings Contributions4 Loans1 Growth2 +1.5% +7
Slide 5: Peru: Private Spending Continues To Drive Economic Growth
Peru: Private Spending Continues To Drive Economic Growth GDP and Domestic Demand High-Frequency Economic Indicators 3Q25 (YoY % change)1 (YoY % change)2,3 40 24 GDP Domestic Demand 20 14 15 16 7.0 6.0 6.2 5.0 Terms Buying and Real Industrial Capital goods Light-vehicle Heavy-duty 4.0 of Trade* sell
Slide 6: Fed to Cut Rates Further, Peru Close to Neutral
Fed to Cut Rates Further, Peru Close to Neutral GDP 3.3 3.4 3.2 (YoY % change) 1 2.8 2.6 2.6 2.4 2.5 2.0 2.1 2.3 2024 1.6 2025F 2026F US Colombia Peru Chile Inflation CPI Rates Central Bank Policy Rates (YoY % change)2 (%)3 9.25 5.5 Peru 4.75 3.4 4.25 Colombia 3.0 4.00 Chile 1.4 U.S. Dec20 Jun21 Dec
Slide 7: Universal Banking: Profitability Bolstered by Resilient Risk-Adjusted NIM and Diversified Revenue
Universal Banking: Profitability was Bolstered by Resilient Risk-Adjusted NIM and Diversified Revenue Streams 3Q24 2Q25 3Q25 Risk-Adjusted NIM and Cost of Risk (%) ROE 1 24.6% 30.9% 25.6% 4.7% 4.9% 5.0% 5.2% 5.2% Risk-adjusted NIM 2.1% 1.3% 1.2% 1.3% BCPʼs Drivers 1.8% Cost of Risk 3Q24 4Q24 1Q25 2Q
Slide 8: Yape: Credicorp's Digital Platform for Ecosystem Monetization
Yape¹: Credicorpʼs Digital Platform for Ecosystem Monetization; Scaled Lending to 20% of Total Revenue Active Users and Engagement Financial Results (S/) MAU (millions) Monthly Revenues/MAU # Monthly Monthly Expenditures/MAU Transactions/MAU 7.4 58.5 54.5 6.5 6.1 6.2 44.1 4.6 15.5 14.9 5.0 5.0 4.7 4
Slide 9: Mibanco Peru: 3Q25 Profit Growth Fueled by Stronger NIM and Improved Risk Management
Mibanco Peruʼs: 3Q25 Profit Growth Fueled by Stronger NIM and Improved Risk Management, Amid an Ongoing Economic Recovery 3Q24 2Q25 3Q25 Historical NPL Ratio (%) 7.8% ROE 1 9.4% 16.3% 18.8% NPL Ratio 6.1% 6.1% 5.7% Mibanco Peru Drivers 4Q22 3Q24 2Q25 3Q25 3Q24 2Q25 3Q25 5.5% 6.2% 5.4% 5.2% Cost of R
Slide 10: Grupo Pacifico: Solid Underwriting Results Supports Profitability
Grupo Pacifico: Solid Underwriting Results Supports Profitability While the Impact of Credit Downgrades on a Couple of Assets Within the Investment Portfolio Dissipates 3Q24 2Q25 3Q25 Grupo Pacifico's Drivers ROE 1 24.3% 21.1% 20.9% (% change) QoQ YoY YTD Insurance Underwriting +6.9% +60.9% +31.7% R
Slide 11: IM & A: Strong Underlying Business Dynamics Offset Higher Operating Expenses
IM & A: Strong Underlying Business Dynamics Help to Offset Higher Operating Expenses ROE1 and Income by Business2 (%, S/ millions) IM & Advisory Drivers (in US$ millions) Sep24 Sep25 Variation 15.8% 15.5% 17.4% WM AUMs2 19,864 22,287 +12.2% 297 273 Quarterly ROE AM AUMs2 22,633 29,430 +30.0% 268 Oth
Slide 12: Balance Sheet Shift Toward Higher Yielding Assets and a Larger Low-Cost Funding Base
Balance Sheet Shift Toward Higher Yielding Assets and a Larger Low-Cost Funding Base Assets: Loan Growth Drove a Higher-Yielding Liabilities: Mix Shift Toward Lower-Cost Funding Sources IEA Mix Lowered Funding Cost Interest Earning Asset (IEA) Structure Funding Structure (S/ millions, %) (S/ million
Slide 13: Asset Quality Continued to Strengthen YoY Amid Economic Recovery
Asset Quality Continued to Strengthen YoY Amid Economic Recovery and Risk Management Measures NPL YoY Contraction Across Segments Provisioning Materially Contracted Over the LTM Following Successful Risk Management Measures Total NPLs1 Total Provisions³ (S/ millions) (S/ millions) 8,659 8,360 6,992
Slide 14: Diversified Revenues Streams Boosted Core Income, Efficiency Ratio Within Guidance Range
Diversified Revenues Streams Boosted Core Income, While the Efficiency Ratio Stands within Guidance Range Other Core Income Growth Complemented Higher Operating Expenses Increased YoY Driven by Core Business Risk-Adjusted NIM at BCP and Innovation Portfolio Initiatives Core Income Accumulated Operat
Slide 15: Delivered Remarkable 9M25 Profitability, Supported by Broad-Based Business Strength
Delivered Remarkable 9M25 Profitability, Supported by Broad-Based Business Strength Net Income and ROE (S/ millions, %) Annual Results¹ Accumulated 19.3% ROE Excluding Results Banmedicaʼs transaction Gain² 17.0% 16.8% 15.8% 16.5% 13.9% 5,501 20.1% 17.7% 4,866 4,648 4,265 5,338 1.4% 3,585 4,375 347 2
Slide 16: Our 2025 Guidance
Our 2025 Guidance 2025 Guidance 9M25 Results Real GDP Growth around 3.0% +3.4% Loan Portfolio Growth1 around 6.5% +4.4%2 Net Interest Margin (NIM) 6.2% – 6.5% 6.3% Cost of Risk 1.8% – 2.2% 1.6% Risk-Adjusted NIM 5.0% – 5.2% 5.3% Efficiency Ratio 45.0% – 47.0% 45.7% ROE around 19.0% 20.1%3 (1) Exclud
Slide 17: 3Q25 Closing Remarks
1 2 Strategy built to perform through cycles; Strong operating foundation diversification and and clear strategic direction. disciplined execution 3Q25 continue to drive results. Closing Remarks 3 4 Medium-term ROE target reaffirmed at ~19.5%, Executing with discipline to underpinned by an inclusive
Slide 18: 3Q25 Earnings Conference Call
3Q25 Earnings Conference Call November 2025