Credicorp Ltd. (BAP) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, everyone. I would like to welcome you to the Credit Core Limited fourth quarter 2025 conference call. A slide presentation will accompany today's webcast, which is available in the investor section of Credit Core's website. Today's conference call is being recorded. As a reminder, all participants will be in listen-only mode. There will be an opportunity for you to ask questions at the end of today's presentation. If you would like to ask a question, please signal by pressing star 1 on your telephone keypad. If you have connected to the call using the HD web phone on your computer, please use the keypad on your computer screen. If you are using a speaker phone, please make sure your mute function is turned off to allow your signal to reach our equipment. Now, it is my pleasure to turn the conference over to Credit Corp's IRO, Milagro Siguenas. You may begin. Thank you, and good morning, everyone. Speaking on today's call will be Gianfranco Ferrari, our Chief Executive Officer, and Alejandro Perez Reyes, our Chief Financial Officer. Participating in the Q&A session will also be Francesca Rappo, Chief Innovation Officer, Cesar Rios, Chief Risk Officer, Eduardo Montero, Head of Insurance and Pensions, and Jose Benavidez, MiBanco Chief Financial Officer. Before we proceed, I would like to make the following And sorry, and also here in the Q&A session, it will be Diego Cabrera, BCP CEO, or head of Universal Banking. Before we proceed, I would like to make the following safe harbor statement. Today's call will contain forward-looking statements, which are based on management, current expectations and beliefs, and are subject to a number of risks and uncertainties. And I refer you to the forward-looking statement section of our earnings relief and recent findi...