Slide 1: 2Q26 Earnings Conference Call
2Q26 Earnings Conference Call August 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: 2Q26 Results Underscore Strong Execution, Strong Profitability and Favorable Operating Momentum
2Q26 Results Underscore Strong Execution, Strong Profitability and Favorable Operating Momentum Innovation Portfolio 1 Solid Operating Performance Reinforced by Diversified Income Sources ROE 20.3% Risk-adj. Revenue Share1 9.9% Low-Cost Deposits / 2 Higher Margins, Supported by Low-Cost Funding and
Slide 4: Scaling our Ecosystem Advantage
Structural Drivers Supporting a Medium-Term ROE of Around 22% Core Businesses Growth Innovation Portfolio Ecosystem Monetization Operating Leverage A strong foundation that enables sustainable, long-term returns across cycles Scaling our Ecosystem Advantage Enhanced Stronger Risk Sound Governance Te
Slide 5: 2Q26 Key Financial Highlights
2Q26 Key Financial Highlights 1 2 3 4 Loan Growth Funding Mix Supports Other Core Income Diversified Earnings With Lower NPLs NIM Expansion Boosts Revenue Growth and Solid Capital Base Total Loans1 NII Fee Income Earnings Contributions3 +13.1% +13.3% +15.9% 76.3% Universal Banking YoY YoY YoY 12.2%
Slide 6: 2Q26: Strong Domestic Demand and Renewed Confidence Ahead of New Administration
2Q26: Strong Domestic Demand and Renewed Confidence Ahead of New Administration High-Frequency Economic Indicators 2Q26 (YoY % change)2 GDP and Domestic Demand Growth 44 57 (YoY % change)1 22 Domestic Demand GDP 18 43 34 15 6.6 6.0 6.2 6.0 5.6 Domestic VAT revenue Domestic cement consumption Terms o
Slide 7: Higher Oil Prices Add Inflation Pressures as Central Banks Await Clearer Signals
Higher Oil Prices Add Inflation Pressures as Central Banks Await Clearer Signals 3.5 3.4 3.2 2.8 2.6 2.6 2.5 GDP 2.1 2.3 2.4 2024 (YoY % change)2 1.1 1.5 2025 2026E US Chile Colombia Peru Inflation CPI Rates Central Bank Policy Rates (YoY % change)2 (%)3 12.00 Peru Colombia Chile 6.0 4.50 4.1 4.25 U
Slide 8: Managing El Niño Risk from a Position of Strength
Managing El Niño Risk from a Position of Strength Potential Peru Impact Mitigation Playbook 2027 GDP1 Growth ~3% Concentrated impact primarily in Monitor & Anticipate Preventive Actions Base Scenario fishing, agriculture and primary manufacturing, and in consumer Portfolio geolocation, climate-risk
Slide 9: Universal Banking: Sustained Returns Driven by Loan Growth, Transactional Income and Risk Discipline
Universal Banking: Sustained Returns Driven by Loan Growth, Transactional Income and Risk Discipline 2Q25 1Q26 2Q26 Risk-Adjusted NIM and Cost of Risk (%) ROE 1 30.9% 30.5% 29.2% 5.0% 5.2% 5.2% 5.2% 5.5% 5.2% Risk-adjusted NIM 1.3% 1.2% 1.3% 1.4% 1.4% BCPʼs Drivers 0.8% Cost of Risk 1Q25 2Q25 3Q25 4
Slide 10: Yape: Scaling Profitability with Growing Lending and Ecosystem Contribution
Yape : Scaling Profitability with Growing Lending and Ecosystem Contribution 1 Monetization Progress Loan Portfolio (S/) (S/ million) 5.3% 6.4% 7.2% 8.0% 8.9% +4X 11.1 10.3 9.6 7.4 6.5 1,817 6.1 5.9 6.0 1,143 5.0 810 4.4 445 585 Jun25 Sep25 Dec25 Mar26 Jun26 2Q25 3Q25 4Q25 1Q26 2Q26 Monthly Revenues
Slide 11: Mibanco Peru: Loan Growth, Improved Asset Quality and Diversified Revenues Drive Strong Results
Mibanco Peru: Loan Growth, Improved Asset Quality and Diversified Revenues Drive Strong Results 2Q25 1Q26 2Q26 Historical NPL Ratio (%) ROE 1 16.3% 21.9% 22.9% NPL Ratio 6.1% 6.1% 4.9% 4.8% Mibancoʼs Drivers 4Q22 2Q25 1Q26 2Q26 2Q25 1Q26 2Q26 5.5% 5.4% 4.8% 5.1% Cost of Risk Loans2 12,785 14,080 14,
Slide 12: Grupo Pacifico: Strong Business Fundamentals Continue to Support Profitability at Sustainable Levels
Grupo Pacifico: Strong Business Fundamentals Continue to Support Profitability at Sustainable Levels Grupo Pacificoʼs Key Revenue Drivers Direct Premiums2 Grupo Pacificoʼs Net Income (S/ million) (S/ millions, %) 1,852 1,905 1,653 Crediseguro 21.1% 18.9% 19.1% Corporate Health P&C 225 218 224 Life 2
Slide 13: IM & Advisory: Profitability Improves Driven by Structural AUM Growth and a Favorable Trading Backdrop
IM & Advisory: Profitability Improves Driven by Structural AUM Growth and a Favorable Trading Backdrop 2Q25 1Q26 2Q26 IM & Advisory Drivers ROE 1 15.5% 15.8% 23.5% (in US$ millions) Jun 25 Jun 26 Variation WM AUMs2 21,120 27,418 +29.8% Income by Business2 (%, S/ millions) 366 AM AUMs2 26,990 38,768
Slide 14: Balance Sheet Momentum Reflects Loan Growth Acceleration and Resilient Funding Dynamics
Balance Sheet Momentum Reflects Loan Growth Acceleration and Resilient Funding Dynamics Assets Dynamics: Loan Growth Drives IEA Expansion, Liabilities: Strong Low-Cost Deposit Base Complemented by Higher Investment Balances Supports Funding Cost Advantage Interest-Earning Asset (IEA) Structure Fundi
Slide 15: Asset Quality Improves Further; El Niño-Related Provisions Reflect Current Risk Assessment
Asset Quality Improves Further; El Niño-Related Provisions Reflect Current Risk Assessment Asset Quality Improves on Stronger Originations Provisioning Reflects Healthy Credit Trends and Repayments and Current El Niño Risk Assessment Total NPLs1 Total Provisions3 (S/ millions) (S/ millions) 8,786 1,
Slide 16: Core Income Growth Supports Efficiency Amid Strategic Investments
Core Income Growth Supports Efficiency Amid Strategic Investments Core Income Increased Driven by Margin Expansion Operating Expenses Reflect Core Business at BCP and Transactional Growth and Innovation Portfolio Initiatives Core Income Operating Expenses (S/ millions) (S/ millions) +13.5 % +15.1% 5
Slide 17: Strong 1H26 Profitability Supported by Broad-Based Earnings Momentum
Strong 1H26 Profitability Supported by Broad-Based Earnings Momentum Net Income and ROE First Half Results (S/ millions, %) 20.9% 21.2% Annual Results¹ 19.0% 17.0% 16.8% 16.5% 15.8% 13.9% 6,925 5,501 4,866 4,648 4,265 4,045 3,585 3,600 1.4% 347 2019 2020 2021 2022 2023 2024 2025 1H25 1H26 ROE Net In
Slide 18: 2026 Guidance Reaffirmed; Medium-Term ROE Outlook Raised
2026 Guidance Reaffirmed; Medium-Term ROE Outlook Raised 2026 Guidance 1H26 Results 2026 Revised Guidance Real GDP Growth around 3.5% +3.0% around 3.5% Loan Portfolio Growth1 around 8.5% +13.1% around 12.0% Net Interest Margin (NIM) 6.4% – 6.7% 6.6% 6.4% – 6.7% Cost of Risk 1.7% - 2.1% 1.6% 1.7% - 2
Slide 19: 2Q26 Closing Remarks
1 2 Greater confidence Well-positioned in Peruʼs for sustainable growth medium-term and ~22% outlook medium-term ROE 2Q26 Closing Remarks 3 4 Strong franchise, Purpose-led growth broader digital advancing financial capabilities and inclusion and Peruʼs more scalable model future 2Q26 | Earnings Conf
Slide 20: 2Q26 Earnings Conference Call
2Q26 Earnings Conference Call August 2026