3Q26 Earnings Release

Di.egg RoggliD. Fernando^J Sebastian De! Juan Carlos Be Omar Solano Pia Noblecilla

investorrelations@credte

Operating and Financial Highlights 03

Senior Management Quotes 05

Third Quarter 2026 Earnings Conference Call 06

Summary of Financial Performance and Outlook 07

Financial Overview 12

Credicorp's Strategy Update 13

Analysis of 3Q26 Consolidated Results 17

1. Loan Portfolio 17

2. Deposits 20

3. Interest Earning Assets and Funding 23

4. Net Interest Income (NII) 24

5. Portfolio Quality and Provisions 27

6. Other Income 31

7. Insurance Underwriting Results and the Medical Services 34

8. Operating Expenses 37

9. Operating Efficiency 39

1. Regulatory Capital 40

2. Economic Outlook 42

3. Appendix 46

‌Credicorp Ltd. Reports Financial and Operating Results for 3Q26

3Q26 ROE of 19.9%, supported by loan growth, healthy asset quality and diversified revenues; FY26 guidance of ~19.5% and the medium-term expectation of ~22% reaffirmed.

Loans up 14.8% YoY and the NPL ratio improved -91 bps to 3.9%; CoR was 2.0%, including additional El Niño provisions, reflecting the updated quarter-end El Niño assessment, while NPL coverage rose to 120.9%.

Core income reached a new quarterly high, up 18.0% YoY, with Risk-Adjusted NIM improving to 5.7% on margin expansion and transactional deposits growth.

Innovation Portfolio contributed 10.7% of Credicorp's risk-adjusted revenues, while Yape's contribution rose to 9.8% as monetization accelerated.

Efficiency improved -26 bps YoY to 45.4% in 9M26, reflecting operating leverage alongside continued strategic investment.

Lima, Peru - November 9, 2026 - Credicorp Ltd. ("Credicorp" or "the Company") (NYSE: BAP | BVL: BAP), the leading financial services holding company in Peru with a presence in Chile, Colombia, Bolivia, and Panama today reported its unaudited results for the three- and nine-months ended September 30, 2026. Financial results are expressed in Soles and are presented in accordance with IFRS.

3Q26 OPERATING AND FINANCIAL HIGHLIGHTS

• Net income attributable to Credicorp reached S/1,929.4 million, up 11.0% YoY and down 2.6% QoQ, resulting in ROE of 19.9%, driven by accelerating loan growth, healthy asset quality and diversified revenue growth fueled by strong transactional activity and continued investment in digital capabilities.

• Total loans measured in quarter-end balances increased 14.8% YoY (15.2% FX-neutral) and 4.2% QoQ (4.0% FX-neutral). YoY growth was led by BCP's Retail Banking, particularly Consumer and SME-Pyme, followed by Wholesale Banking, and to a lesser extent Mibanco. QoQ expansion reflected growth in BCP's same segments and at Mibanco, where disbursements reached a record high in September.

• Total Deposits increased 14.3% YoY (14.8% FX-neutral) but declined 0.6% QoQ (0.9% FX-neutral). YoY growth was supported mainly by low-cost deposits, which represented 73.2% of total deposits and 62.0% of the funding base. The sequential decline reflected the normalization of a temporary Wholesale demand deposit recorded at 2Q26-end and partial migration from demand to time deposits.

• Net Interest Income (NII) increased 17.7% YoY and 6.0% QoQ, primarily driven by loan growth at BCP and Mibanco, particularly in higher-yielding segments. Net Interest Margin (NIM) expanded 36 bps YoY to 6.9%, as the yield on interest-earning assets rose to 8.8% and growth in low-cost deposits reduced the funding cost to 2.2%.

• Asset Quality continued to improve, with the NPL ratio declining -91 bps YoY and -15 bps QoQ to 3.9%. Performance registered stronger origination, monitoring and collections capabilities, particularly at BCP Stand-alone, reflecting positive payment behavior and healthy vintages.

• Provisions increased 37.4% YoY and 13.3% QoQ, reflecting additional provisioning after the El Niño risk assessment evolved to a "Very Strong" base scenario at quarter-end, with a Cost of Risk standing at 2.0%. YoY, underlying provisions increased alongside loan growth at BCP and Mibanco, reflecting a greater contribution from higher-yielding portfolios. Cost of Risk stood at 2.0%, NPL coverage strengthened to 120.9%, while Risk-Adjusted NIM improved 13 bps to 5.7%.

• Other Core Income increased 18.8% YoY and 3.2% QoQ, rising to 29.3% of total risk-adjusted income as Credicorp continues to diversify revenues. Growth was led by increases of 20.4% and 14.3% in fee income and FX gains, respectively.

• Insurance Underwriting Result declined 6.7% YoY, reflecting a tough comparison in Life's D&S line following SISCO reserve releases in 3Q25, partially offset by stronger P&C results. QoQ, results increased 25.8% driven by higher

  premiums and lower claims in Life and P&C, together with Corporate Health revenue growth from new accounts and renewals. Medical Services maintained solid commercial performance and disciplined expense management.

• Yape further consolidated its position as Peru's leading digital ecosystem, as deeper day-to-day engagement translated into continued monetization gains. MAU rose 9.8% YoY to 17.0 million, while transactions grew 35.1% YoY, averaging 71 per MAU per month. Revenue per MAU rose to S/11.9, nearly twice expenses per MAU of S/6.1, raising Yape's contribution to Credicorp's risk-adjusted revenues to 9.8%, from 6.4% in 3Q25. Meanwhile, loans nearly quadrupled YoY to S/2.3 billion, with lending representing 31% of Yape's risk-adjusted revenues.

• Efficiency Ratio improved 26 bps YoY to 45.4% in 9M26, remaining within 2026 guidance. Operating expenses increased 13.6% YoY for the first nine months this year, mainly reflecting continued investment in BCP's commercial, technology and risk-management capabilities, and higher variable compensation aligned with stronger results. Innovation portfolio expenses rose 32.5%, supporting continued growth in risk-adjusted revenues.

• Solid capital base, with IFRS CET1 ratios at 11.9% for BCP Stand-alone and 15.1% for Mibanco.

‌SENIOR MANAGEMENT QUOTES

Gianfranco Ferrari, CEO

"Credicorp delivered another strong quarter, reflecting solid performance across our businesses and a broader earnings base. Our innovation portfolio contributed 10.7% of risk-adjusted revenues, already exceeding our year-end target. Peru's economy continues to build momentum, supported by domestic demand, private investment and a strong macro backdrop. However, the expected intensity of El Niño has increased, shifting our quarter-end base case to a Very Strong scenario. We prepared early by strengthening contingency plans and moderating origination in vulnerable consumer and SME segments and stand ready to support families, businesses and communities through potential disruptions. Our results reinforce our confidence in Credicorp's ability to fulfill that responsibility while generating sustainable returns, with a medium-term ROE of around 22%. At our November 17 Strategic Update, we will discuss how the capabilities of our integrated ecosystem can support our next phase of growth, operating leverage and sustainable returns."

Credicorp delivered a 19.9% ROE in the third quarter, supported by accelerating loan growth, robust revenues and healthy underlying credit trends. Importantly, this result includes provisions based on our quarter-end assessment of El Niño risk. Loan growth in higher-yielding segments supported net interest income and margins, while our investments in digital capabilities fueled strong transactional activity driving low-cost funding advantage and fee income. Core income growth also supported improved efficiency, demonstrating the increasing scalability of our business model. Asset quality remained sound, supported by improved origination and collection capabilities, while our robust capital position provides capacity to absorb potential volatility. As we enter the final quarter, we remain focused on profitable growth and disciplined risk management. We remain on track to deliver our 2026 ROE guidance of around 19.5%.

Ignacio Belaunde, CFO

Date: Tuesday, November 10th, 2026

Time: 9:30 am E.T. (9:30 am Lima, Perú)

Hosts: Gianfranco Ferrari - Chief Executive Officer; Ignacio Belaunde - Chief Financial Officer; Francesca Raffo - Chief Innovation Officer; Cesar Rios - Chief Risk Officer; Diego Cavero - Head of Universal Banking and CEO of BCP; Eduardo Montero - Head of Insurance and Pensions and CEO of Pacífico; Rocio Benavides - CFO of Mibanco and the Investor Relations Team.

To pre-register for the listen-only webcast presentation use the following link:

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Callers who pre-register will be given a conference passcode and unique PIN to gain immediate access to the call and bypass the live operator. Participants may pre-register at any time, including up to and after the call start time.

Those unable to pre-register may dial in by calling:

1 844 435 0321 (U.S. toll free)

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The webcast will be archived for one year on our investor relations website at: https://credicorp.gcs-web.com/events-and-presentations/upcoming-events

For a full version of Credicorp´s Second Quarter 2026 Earnings Release, please visit: https://credicorp.gcs-web.com/company-reports/quarterly-materials

| Earnings Release 3Q / 2026

Analysis of 3Q26 Consolidated Results

Third Quarter 2026 Earnings Conference Call

Total loans (measured in quarter-end balance) expanded 4.2% QoQ and 14.8% YoY.

If we exclude the exchange rate effect, total loans rose 4.0% QoQ and 15.2% YoY.

QoQ growth was driven mainly by: (i) an uptick in loans in Consumer and SME-Pyme at BCP; (ii) an increase in short-term loan issuances in Wholesale Banking at BCP; and (iii) loan growth at Mibanco, with loan disbursement volumes reaching a record high in September.

YoY, the evolution was driven mainly by: (i) expansion in most Retail Banking segments at BCP; (ii) growth in short and long term lending in Wholesale Banking at BCP; and (iii) solid loan growth at Mibanco.

The total deposit balance (measured in quarter-end balances) dropped 0.6% QoQ, but rose 14.3% YoY.

The QoQ decline mainly reflected the normalization of a temporary Wholesale deposit. YoY, growth was spurred by expansion in the balance for low-cost deposits, which represented 73.19% of total deposits at the end of September (+281 bps YoY). This evolution attests to the strength of our transactional proposition and our capacity to capture deposits in a high-liquidity environment.

At BCP, the Liquidity Coverage Ratio (RCL) in PEN at 30 days stood at 162.7% under regulatory standards and 142.3% by stricter internal standards. The LCR in USD at 30 days stood at 144.0% under regulatory standards and 110.5% under stricter internal standards.

Loans (S/ millions)

144,752

159,434 166,161

Sep 25 Jun 26 Sep 26 Loans in Quarter-End Balance (EOP)

Deposits (S/ millions)

182,121 181,019

158,430

▲

4.2%

QoQ

▲

14.8%

YoY

▼

-0.6%

73.2%

70.4%

QoQ

▲

14.3%

YoY

Sep 25 Jun 26 Sep 26

Others Non-Core (Time Severance Indemnity Deposits) Low Cost (Demand and Saving Deposits)

QoQ, Net Interest Income (NII) increased 6.0%. This result was mainly driven by an increase in Income and Similar Interest, which rose on the back of an increase in interest on Loans after volumes ticked up at BCP and Mibanco. Growth in NII was partially offset by an increase in Interest and similar expenses, which grew alongside growth in time deposits.

YoY, NII increased 17.7%. This evolution was mainly triggered by an increase in Interest and similar income, which rose alongside an uptick in loans (through the same drivers seen QoQ). This uptick was partially offset by Interest and similar expenses, which ticked

NII & NIM

(S/ millions)

6.57% 6.63%

6.93%

3,688

4,097

4,341

▲

6.0%

QoQ

▲

17.7%

YoY

up on the back of growth in time deposits. In this context, NIM rose 36 bps YoY to stand at 6.93% at the end of 3Q26.

3Q25 2Q26 3Q26

Net Interest Income

Net Interest Margin

Asset quality continued to evolve favorably, backed by improvements in the origination and heightened capacities for monitoring, collections and recovery.

QoQ, NPLs rose 0.4%, which was driven by loan growth at BCP Stand-alone's retail portfolio and Mibanco. The latter was attenuated by the favorable evolution of Wholesale Banking at BCP Stand-alone.

YoY, the NPL portfolio dropped 7.0%. This evolution was attributable to BCP Stand-alone, which registered improvements in payment dynamics and better performance for recent vintages in Retail Banking.

In a context of solid loan growth, Credicorp's NPL ratio dropped -15 bps QoQ to stand at 3.9%.

Provisions rose 13.3% QoQ and 37.4% YoY, partially driven by our

Total NPL (S/ millions)

4.8% 4.1% 3.9%

6,970 6,458 6,481

3Q25 2Q26 3Q26

NPL Ratio Total NPL

Cost of Risk (%)

▲

0.4%

QoQ

▼

-7.0%

YoY

risk assessment of the El Niño Phenomenon, with a "Very Strong" event becoming our base-case scenario at quarter-end. The Cost of Risk (CoR) for the period stood at 2.0%.

Underlying provisions were relatively stable QoQ, as higher provisions in BCP Retail Banking and Mibanco were offset by improved performance in BCP Wholesale Banking.

110.1% 117.3% 120.9% NPL Coverage Ratio

5.8%

5.2%

5.1%

Mibanco

YoY, underlying provisions increased, driven primarily by BCP Standalone and, to a lesser extent, Mibanco. In both cases, higher provisions mainly reflected loan growth.

1.7% 1.9% 2.0%

1.3% 1.4% 1.6%

3Q25 2Q26 3Q26

Credicorp

BCP Stand-alone

Other Core income rose 3.2% QoQ and 18.8% YoY, mainly driven by higher fee income as transaction volumes increased. FX gains normalized QoQ after two strong quarters, while increasing YoY on

Other Income (S/ millions)

2,042

1,654

197

1,892

161

1,458

1,731

Total Core

▼ ▲

-7.4% 3.2%

QoQ QoQ

higher transaction volumes and improved pricing. ▲ ▲

14.4% 18.8%

YoY YoY

3Q25 2Q26 3Q26

Non-Core (Net gain on Securities, Investment in associates, Net gain on derivatives, Exchange difference and others)

Core (Fees and Net gain on FX operations)

The Insurance Underwriting Result (IUR) increased 25.8% QoQ,

Insurance Underwriting Result*

(S/ millions)

1210

fueled by (i) Life, which reported growth in premiums and a reduction in claims for the business's main products; (ii) Corporate Health, which reported growth in revenues from new accounts and renewals; and (iii) P & C, which reported an uptick in total premiums and a drop in claims. YoY, the IUR fell (-6.7%). This evolution was driven by Life, mainly through the D&S line, which reported a base effect associated with releases of reserves for SISCO claims in 3Q25. The drop in Life's result was partially offset by an uptick for P & C, which was driven by growth in premium production and a drop in

388

288

362

▲

25.8%

QoQ

▼

-6.7%

YoY

the loss ratio for Medical Assistance.

Medical Services continues to report solid commercial results, while maintaining disciplined expense management.

3Q25 2Q26 3Q26

Life P&C

Corporate Health Crediseguros

Operating expenses increased 13.6% for the first nine months of the year, fueled primarily by an increase in Administrative Expenses, and secondarily, an uptick in the Employee Salaries and Benefits line. Administrative Expenses increased mainly due to higher technology costs at BCP, reflecting greater cloud usage and other IT-related services as transaction volumes grew. Employee Salaries and Benefits increased as BCP continued to strengthen its technology, commercial and risk management capabilities, and due to higher variable compensation at BCP and Mibanco, in line with improved results. Expenses for our innovation portfolio increased 32.5%, supporting continued growth in risk-adjusted revenues.

Operating Income rose 14.3% YTD. In this context, the Efficiency Ratio stood at 45.4% for the first nine months of the year, in line with this year's guidance.

In 3Q26, net earnings attributable to Credicorp stood at S/1,929.4 million (-2.6% QoQ and +11.0% YoY), which translated into an ROE of 19.9% for the quarter. This evolution was backed by solid results in all our lines of business. For the first nine months of the year, Credicorp reported net attributable earnings of S/5,974.5 million (+11.9% YTD). This evolution was supported by the strength of our integrated business ecosystem and favorable economic conditions. In this context, ROE stood at 20.4% for the first nine months this year.

Efficiency Ratio 45.7% 45.4%

9M25 9M26

Efficiency Ratio

Net Income & ROE (S/ millions)

19.6% 20.3% 19.9%

1,738.7 1,981.9 1,929.4

3Q25 2Q26 3Q26

Net Income ROE

▼

-2.6%

QoQ

▲

11.0%

YoY

(S/ million)

1,651.5

27.3

137.2

28.4

239.3

29.8

20.4

24.6

1,929.4

-229.3

BCP Standalone (1)

BCP Bolivia Mibanco (2) Mibanco

Colombia

Grupo Pacifico (3)

Prima AFP Credicorp Capital

ASB Bank Corp.

Eliminations & Others (4)

1. In BCP Stand-alone, the figure is lower than the net profit since the contribution eliminates investment gains in other subsidiaries of Credicorp (Mibanco)

2. In Mibanco, the figure is less than the net profit because Credicorp owns (directly and indirectly) 99.921% of Mibanco.

3. The contribution for Grupo Pacifico presented here is greater than the profit of Pacifico Seguros since 100% of Crediseguros is being included (including 48% under Grupo Crédito).

Solid performance is driven by growth, diversified revenue streams and disciplined risk management

BCP continued to report solid profitability, which was supported by loan growth; an increase in the margin; higher transactional income; and healthy underlying credit trends. Growth was led by Retail Banking, while NIM increased on the back of a drop in the funding cost and an increase in the share of higher-yield assets. Asset quality continued to improve due to improvements in origination and collections capacities. Provisions increased, partly reflecting additional provisions following our assessment of El Niño risk as of quarter-end. Underlying credit trends remain healthy, within expectations.

Loan Growth, efficiency gains and disciplined risk management fuel profitability

Mibanco continued to evolve positively, backed by loan growth, an uptick in the margin, operating leverage and disciplined risk management. Provisions trended upwards reflecting our reassessment of El Niño risk at quarter end, while the performance of the underlying credit remained healthy. Growth in fee income from insurance, which rose alongside loan expansion, contributed to revenue diversification and the efficiency ratio continued to improve. Mibanco Colombia registered solid performance, supported by growth in the client base; disciplined risk management; and improvements in commercial productivity.

Sustained profitability supported by business fundamentals

Grupo Pacífico maintained robust profitability, driven mainly by growth in the Life Business, which was led by Annuities and Individual Life. Corporate Health also contributed to expansion through an increase in both premium production and the client base. Medical Services, in turn, remained stable. These results were partially offset by a drop in P & C's performance, which was mainly attributable to the Commercial Lines and Cars.

Recurring Revenue Growth Underpins Profitability

Investment Management and Advisory's profitability remained resilient, bolstered by the favorable performance of its recurring businesses. YoY, the Capital Markets business was the main revenue contributor this quarter, where expansion was led by an uptick in volumes of FX transactions. Asset and Wealth Management acted as secondary driver, buoyed by expansion in assets under management (AUMs). This evolution was more than offset by an uptick in operating expenses.

Outlook

We reaffirm our 2026 ROE guidance of around 19.5%. This outlook is supported by stronger loan growth, NIM and risk-adjusted NIM trending toward the high end of guidance, and stronger fee income.

We reaffirm our medium-term ROE guidance of around 22%.

| Earnings Release 3Q / 2026

Analysis of 3Q26 Consolidated Results

Financial Overview

1. Net Interest Margin = Net Interest Income (Excluding Net Insurance Financial Expenses) / Average Interest Earning Assets

2. Funding Cost = Interest Expense (Does not include Net Insurance Financial Expenses) / Average Funding

3. Internal Overdue Loans: includes overdue loans and loans under legal collection, according to our internal policy for overdue loans. Internal Overdue Ratio: Internal overdue loans / Total loans

4. Non-performing loans (NPL): Internal overdue loans + Refinanced loans. NPL ratio: NPL / Total loans.

5. Cost of risk = Annualized provision forloan losses, net of recoveries/ Average Total loans.

6. Operating Income = Net interest, similar income and expenses + Fee Income+ Net gain on foreign exchange transactions + Net Gain From associates + Net gain on derivatives held for trading + Result on exchange differences + Insurance Underwriting Result + Medical services result.

   on exchange differences + Insurance Underwriting Result + Medical services result."

7. Operating Expenses = Salaries and employee benefits + Administrative expenses + Depreciation and amortization + Association in participation + Acquisition cost.

8. Efficiency Ratio = Operating Expenses / Operating Income.

9. Regulatory Capital / Risk-weighted assets (legal minimum = 10% since July 2011).

10. Tier 1 = Capital + Legal and other capital reserves + Accumulated earnings with capitalization agreement + (0.5 x Unrealized profit and net income in subsidiaries) - Goodwill -(0.5 x Investment in subsidiaries) + Perpetual subordinated debt (the maximum amount that can be included is 17.65% of Capital + Reserves + Accumulated earnings with capitalization agreement + Unrealized profit and net income in subsidiaries - Goodwill)

11. Common Equity Tier I = Capital + Reserves - 100% of applicable deductions (investment in subsidiaries, goodwill, intangibles and net deferred taxes that rely on future profitability) + retained earnings + unrealized gains

12. Common Equity Tier I calculated based on IFRS Accounting.

13. Internal management figures. Since 1Q25, it has included corporate health and medical services employees.

14. Considers shares held by Atlantic Security Holding Corporation (ASHC) and stock award.

We invite you to learn more about the evolution of our strategy execution and our outlook at our Strategic Update event, which will be held on November 17, 2026 at 9:00 a.m. EST/PET. You can register here: Strategic Update 2026.

Credicorp has strengthened its leadership in the Andean region through a strategy anchored in digital transformation and innovation, talent development, and the integration of sustainability into the core of its business. The company has transitioned into an integrated financial ecosystem-one where the whole is increasingly greater than the sum of its parts

-supported by four differentiated growth levers:

1. Prioritizing Leading Market Positions in Underpenetrated Markets with Clear Growth Avenues

   Credicorp holds leading positions across mature core businesses in markets that remain structurally underpenetrated. In Peru, low levels of financial inclusion and insurance coverage, together with high informality, continue to create significant room to expand access to financial, payment, insurance, and remittance products and services. This provides a long runway for sustainable growth.

2. Scaling an Integrated Digital Ecosystem

   Backed by its innovation portfolio, Credicorp has evolved into an integrated financial ecosystem. The combination of complementary capabilities differentiated distribution channels, and a broad client base allow us to strengthen engagement, accelerate product adoption through cross-selling, and deepen integration across businesses. We will continue to broaden access to financial products and services to advance financial inclusion, with the ambition of incorporating 8 million people into the financial system by 2028.

3. Unlocking Synergies by Leveraging Shared Capabilities Across the Ecosystem

   Shared capabilities in technology, data, analytics, artificial intelligence, and risk management constitute a competitive advantage to accelerate value creation at scale. These capabilities strengthen decision-making, enable more personalized customer experiences, generate productivity gains and accelerate innovation, supporting further monetization across the ecosystem.

4. Delivering Strong, Resilient Returns Across Economic Cycles

   With decades of disciplined execution, Credicorp has demonstrated its capacity to generate value across economic cycles. The combination of market knowledge and leadership, business diversification, and ecosystem-based competitive advantages strengthen our resilience and supports a sustainable trajectory of profitable growth and long-term value creation.

   Main KPIs in Credicorp's Strategy

   Core Businesses Transformation (1)	Quarter 3Q25 2Q26	3Q26	Sep 25	Up to	Sep 26
   Credicorp Innovation Portfolio Risk-Adjusted Revenue Share (2) Total loan disbursements for MSMEs (S/ million) Disbursements of sustainable financings (USD million)	7.4% 9.9% 11,812 9,419 2,130 1,861	10.7% 14,682 2,602	6.3% 23,471 4,077	9.9% 28,692 5,197
   BCP Stand-alone Active lending clients (millions) (3) Consumer NPS Cashless transactions (4)	2.8 4.1 n.a. 55 65% 69%	4.3 52 68%	2.8 4.3 n.a. 52 65% 68%
   Mibanco Share of Low-Cost Deposits / Total Funding (5) Share of Other Income / Total Risk-Adjusted Revenue	6.0% 6.3% 6.8% 8.2%	6.2% 8.7%	6.0% 6.8%	6.2% 8.1%
   Pacifico Insured Clients (millions) (6) Digital Policies (thousands) (7)	n.a. 7.3 582 575	7.4 576	n.a. 7.4 1,884 1,884

   1. Management figures, may differ from previously reported. Figures for September 2025, June 2026, and September 2026.

   2. As a percentage of Credicorpʼs total Risk-Adjusted Revenue.

   3. Consumer clients with an outstanding loan. Source: SBS.

   4. Amount transacted through Mobile Banking, Internet Banking, Yape y POS/Total amount transacted through Retail Banking.

   5. Includes low-cost funding products (Ahorro Negocio, Ahorro, Cuenta Premio, and Demand Deposits) as a proportion of total funding

   6. Includes natural and legal clients. New methodological adjustments since 4Q25, related to customers with loan life insurance.

   7. Number of insurance policies issued through digital channels.

Credicorp's innovation portfolio complements and expands the Group's core businesses through scalable digital

platforms and a disciplined investment strategy to create value. This portfolio diversifies revenue streams; broadens our value proposition; and establishes new avenues for growth by leveraging the ecosystem's capacities and competitive advantages.

The portfolio invests in verticals with high potential for growth, including Neobanking, Services for SME-Pymes, Acquiring, InsurTech, WealthTech and Health, where we drive initiatives in different stages of maturity. The Innovation Committees governs the portfolio through a formal process to evaluate and prioritize initiatives with differentiated value propositions. These initiatives seek to generate relevant changes in the business model and/or present significant potential to generate exponential growth. This framework allows us to allot capital dynamically; conduct follow-up with defined milestones; and re-allot resources to opportunities with higher potential to create value. The initiatives advance through five stages of development: origination, incubation, product-market fit, acceleration and scaling. Once operating maturity is achieved, initiatives can graduate and integrate in the Group's core businesses.

Initiatives can incubate within core businesses or be channeled through Krealo, our Corporate Venture Capital arm, which establishes outside-in innovation through strategic investments and acquisitions that strengthen and expand current and future lines of business. The portfolio is managed with explicit financial appetites, which consider an impact on ROE of 150 bps and 350 bps on the efficiency ratio. Additionally, in 3Q26, we reached our ambition of representing 10% of the Group's risk-adjusted income.

Within the innovation portfolio, we created a Neobanking unit that integrates Yape, Yape Bolivia, Tenpo and iO under a common operating model. The value hypothesis behind this unit entails accelerating efforts to build a more integrated digital system by capturing shared capacities, products and data to capture efficiencies; develop synergies; and scale the value proposition over time in the most disciplined manner possible. Neobanking brings together scalable digital platforms with high potential for financial inclusion, monetization and regional expansion, which strengthens the Group's long-term growth thesis.

1. Yape: scaling profitability with a larger contribution from loans and the ecosystem

   Main Management Indicators

   Management KPI's (1)	3Q25	Quarter 2Q26	3Q26	Change % QoQ YoY		Sep 25	Up to Sep 26	Change % Sep 26 / Sep 25
   Users
   Users (millions)	18.7	19.8	20.0	0.9%	6.7%	18.7	20.0	6.7%
   Monthly Active Users (MAU) (millions) (2)	15.5	16.7	17.0	2.1%	9.8%	15.5	17.0	9.8%
   Revenue Generating MAU (millions)	13.2	14.6	14.9	1.9%	12.8%	13.2	14.9	12.8%
   Engagement
   # Transactions (millions)	2,640	3,381	3,568	5.5%	35.1%	7,050	9,955	41.2%
   # Revenue Generating Transactions (millions)	283	364	395	8.3%	39.2%	769	1,096	42.5%
   # Transactions / MAU	58	69	71	3.6%	21.4%	58	71	21.4%
   # Average Functionalities / MAU	2.7	2.9	2.9	-%	7.4%	2.7	2.9	7.4%
   Experience NPS (3)	76	78	77	-1 p	1 p	76	77	1 p
   Unit Economics
   Monthly Indicators (4)
   Revenues / MAU (S/)	7.4	11.1	11.9	7.0%	60.6%	7.4	11.9	60.6%
   Expenses / MAU (S/)	-5.0	-6.0	-6.1	1.5%	20.9%	-5.0	-6.1	20.9%
   Quarterly Indicators (5)
   Revenues / MAU (S/)	7.4	10.7	12.0	11.8%	61.5%	6.5	10.8	67.0%
   Expenses / MAU (S/)	-4.8	-5.9	-6.0	3.1%	26.1%	-4.5	-5.8	27.8%
   Drivers Monetization
   Total TPV (S/, billions) (6)	113.9	139.7	148.5	6.3%	30.4%	308.8	418.0	35.3%
   Total Revenue Generating TPV (S/, billions) (6)	12.8	18.1	18.2	0.5%	42.0%	33.1	52.8	59.5%
   Payments
   # Bill Payments transactions (millions)	56	72	78	8.3%	39.1%	151	217	43.7%
   Financials
   # Loans Disbursements (thousands)	4,196	6,376	6,682	4.8%	59.3%	11,151	18,792	68.5%
   E-Commerce
   GMV (S/, millions) (7)	174.1	167.2	173.2	3.6%	-0.5%	426.1	516.1	21.1%

   1. Management Figures.

   2. Yape users that have made at least one outgoing transaction in the measurement month.

   3. Net Promoter Score.

   4. Monthly indicators consider the results of the last month of the quarter for the numerator and denominator.

   5. Quarterly indicators are calculated using the sum of the three months in the period for numerator accounts, and the average of the denominator-based on last month's data from both the current and previous quarters.

   6. Total Payment Volume.

   7. Gross Merchant Volume, includes the following functionalities: Yape Promos, Yape Store, Ticketing, Gaming, Delivery, Buses, Gas, Brand Solutions and Insurance.

   Main Financial Results

   Financial Metrics (1) S/ millions	Sep 25	Quarter Jun 26	Sep 26	Change % QoQ YoY	Sep 25	Up to	Sep 26	Change % Sep 26 / Sep 25
   Loans (quarter-end balances)	584.5	1,817.0	2,313.0	27.3%	295.7%	584.5	2,313.0	295.7%
   Risk-Adjusted Net Interest Income (2)	146.4	276.1	323.0	17.0%	120.6%	363.3	835.0	129.8%
   Other Income (3)	195.2	256.9	282.7	10.1%	44.9%	495.8	775.0	56.3%
   Total Risk-Adjusted Revenues	341.6	533.0	605.7	13.6%	77.3%	859.1	1,610.0	87.4%
   Total Operating Expenses	-220.1	-290.9	-306.4	5.3%	39.2%	-596.9	-862.1	44.4%

   1. Management figures.

   2. Includes interest income, interest expense and net provisions.

   3. Includes Other Income recorded in BCP and in Yape Market.

   Scale and engagement strengthen Yape's relevance in the day-to-day

   Yape has consolidated its role as a platform for daily use with 17.0 million MAU at the end of 3Q26. Growth is increasingly fueled by deeper relations with users: transactions increased 35.1% YoY, outpacing the pace of growth of MAU (+9.8% YoY) by three-fold with solid feature adoption and satisfaction levels.

   This recurrence is the base of this model: each interaction generates data on users' habits and needs, which improves knowledge of the client and risk assessment while broadening financial product offerings. The opportunity remains significant: revenue-generating transactions per MAU increased to 7.7 (vs 6.2 in 3Q25), while credit penetration (MAUs with an active loan) continued to expand, reaching 18.7% (vs 9.9% in 3Q25).

   Growing monetization and operating leverage

   7.4

   5.0

   9.6

   6.1

   10.3

   11.1

   11.9

   5.9

   6.0

   6.1

   In 3Q26, monetization continues to strengthen, where growth in revenues (77.3% YoY) outpaced the increase reported for expenses (39.2% YoY), elevating operating leverage. The uptick in transactionality and in the contribution of loans lifted monthly revenue per MAU to nearly twice the level of monthly expenses per MAU (stable at ~S/6 over the past four quarters), while the

   proportion of revenue generating MAUs increased to

   88% (vs 85% in 3Q25). This evolution strengthened our capacity to transform scale and recurrence into profitability, leading us to post a contribution of 9.8% to Credicorp's risk-adjusted revenues (vs 6.4% in 3Q25).

   3Q25 4Q25 1Q26 2Q26 3Q26

   Monthly Revenues / MAU Monthly Expenditures / MAU

   Payments are the key driver of activation and client knowledge

   In 3Q26, the Payments business represented 44% of Yape's revenues. Growth was driven mainly by Bill, QR/ POS and Checkout Payments, while emerging use cases such as remittances continued to gain traction and delivered strong growth. In Bill Payments, the number of transactions rose 39.1%, driven by higher average ticket sizes and stronger adoption across specific categories, such as education. In QR/POS and Checkout Payments, the transactions level increased on the back of seasonal factors and sports events.

   6.4% 7.2% 8.0% 8.9% 9.8%

   341

   146

   181

   13

   399

   13

   180

   207

   471

   13

   236

   533

   16

   276

   16

   323

   222

   241

   266

   605

   3Q25 4Q25 1Q26 2Q26 3Q26

   Payments (S/ millions) Financials (S/ millions)

   E-Commerce (S/ millions)

   % Share Credicorp Risk Adjusted Revenues

   Interoperability continues to expand use cases and facilitate the shift from cash to digital payments. Going forward, this dynamic will be complemented by TAPP, which is expected to be implemented starting in 2027, further expanding opportunities for Yape within the payments ecosystem. In this context, Yape will seek to leverage the depth of its user relationships, the quality of its experience, and the frequency of user engagement.

   Loans accelerate financial inclusion with a scalable digital proposition

   In 3Q26, the financial business, comprising of Floating and Lending, represented 53% of Yape's total revenues. Within this business, Lending continued to lead growth and accounted for 31% of Yape's revenues at quarter-end (vs 20% in 3Q25).

   As of 3Q26, the loan portfolio reached nearly four times the balance recorded in 3Q25, while the cumulative number of borrowers who have received at least one

   loan reached 6.3 million (vs. 3.5 million in 3Q25). Portfolio growth was concentrated in Multicuota and SME loans, which together account for nearly ~80% of the portfolio. This evolution reflects the growing share

   585 810 1,143

   1,817 2,313

   of larger-ticket and longer-tenure loans, while Single-installment loans continues to serve as an entry product that enables Yape to assess customers' repayment behavior and progressively deepen the lending relationship.

   Sep 25 Dec 25 Mar 26 Jun 26 Sep 26

   Loans Portfolio (S/ millions)

   Average tickets and loan terms are: (i) Mono: ~S/230 and 1 month; (ii) Multi: ~S/900 and 10 months; and (iii) SME-Pyme:

   ~S/3,100 and 10 months.

   Growing contribution and strategic relevance for Credicorp

   Yape continued to contribute value to Credicorp's ecosystem by leveraging its scale, recurrence of use and client knowledge. Through its transversal distribution platform, Yape has strengthened cross-selling capacities; extended the Group's reach to new segments; and accelerated adoption of financial products and services. This advance has consolidated Yape's role as one of the main drivers of long-term growth, supported by its capacity to scale product distribution and services within the ecosystem.

2. Yape Bolivia: leader in QR transactions in the Financial System

Main management indicators

1. Management figures.

2. Yape users that have made at least one outgoing transaction in the measurement month.

3. Net Promoter Score

Yape Bolivia represents one of the first tests of Yape's regional scalability. It leverages BCP Bolivia's capacities to modernize daily payments and expand financial inclusion in a market with significant opportunities for digitalization. As of 3Q26, Yape reached 4.8 million users, representing approximately 67% of Bolivia's economically active population (EAP), with MAUs accounting for 52% of total users (vs. 49% in 3Q25). Yape Bolivia led the QR transactions market with a share of 26.5% (vs 24.7% in 3Q25). These results, which indicate accelerated adoption, consolidate Yape's role as a relevant actor in the digital payments markets and are proof that the model can be replicated in markets with high levels of informality and intensive use of cash.

Executive Summary

• Total loans expanded 4.2% QoQ and 14.8% YoY. If we exclude the exchange rate effect, total loans increased 4.0% QoQ and 15.2% YoY.

• QoQ, loan growth was driven primarily by (i) an increase in Consumer and SME-Pyme loans at BCP, which was in line with commercial strategies; (ii) an uptick in loans in Wholesale Banking, mainly for short-term loans; and (iii) loan expansion at Mibanco, where the disbursed amount hit a record high in September.

• YoY, total loans increased 15.2% with a neutral exchange rate, fueled primarily by: (i) growth in most segments of Retail Banking at BCP, which was led by Consumer and SME-Pyme; (ii) expansion in wholesale at BCP for both short and long-term loans and; (iii) solid growth at Mibanco thanks to good commercial performance, which was anchored in disciplined strategies for pricing and risk management.

  Loan Evolution in Quarter-end balances

  This quarter, total loans in quarter-end balances increased 4.2% and 14.8%, QoQ and YoY respectively. If we exclude the exchange rate effect, loans in quarter-end balances rose 4.0% QoQ and 15.2% YoY.

  Total Loans (S/ millions)	Sep 25	As of Jun 26	Sep 26	% Change QoQ YoY		USD/PEN Neutral Volume Change QoQ YoY		USD/PEN Neutral % Change QoQ YoY
  BCP Stand-alone	123,089	134,207	141,044	5.1%	14.6%	6,527	18,454	4.9%	15.0%
  Mibanco	13,096	14,698	15,544	5.8%	18.7%	846	2,448	5.8%	18.7%
  Mibanco Colombia	2,158	2,951	3,340	13.2%	54.7%	366	1,217	12.4%	56.4%
  BCP Bolivia	5,505	6,584	5,368	-18.5%	-2.5%	-1,252	-80	-19.0%	-1.4%
  ASB Bank Corp.	1,422	1,428	1,607	12.5%	13.0%	168	202	11.7%	14.2%
  Others(1)	-519	-434	-742	71.0%	43.0%	-311	-218	71.7%	42.1%
  Total Loans	144,752	159,434	166,161	4.2%	14.8%	6,344	22,024	4.0%	15.2%

  For consolidation purposes. Loans generated in Foreign Currency (FC) are converted into Local Currency (LC).

  (1) Includes eliminations for intercompany transactions.

  QoQ, the upward trajectory of loans with a neutral exchange rate was spurred mainly by the evolution at BCP Standalone (+4.9%), and to a lesser extent at Mibanco (+5.8%) and Mibanco Colombia (+12.4%); the combined impact of these prints was partially offset by a decline in the quarter-end balance at BCP Bolivia (-19.0%). At Mibanco, the disbursed amount hit a record high in September. At Mibanco Colombia, loan growth remained solid, where disbursement rates ticked up and we remained focused on maintaining healthy levels of risk.

  YoY, the evolution of loans with a neutral exchange rate was driven mainly by the prints at BCP Stand-alone (+15.0%), followed by Mibanco (+18.7%) and Mibanco Colombia (+56.4%); loans at BCP Bolivia, in contrast, contracted (-1.4%). At Mibanco, the evolution reflected strong commercial performance and was fueled by a strategy to grow in small tickets by leveraging pricing and risk management. At Mibanco Colombia, the upward trajectory of loans was driven by the same factors that drove the QoQ print.

  Next, we will analyze the dynamics by segment at BCP Stand-alone:

  | Earnings Release 3Q / 2026

  Analysis of 3Q26 Consolidated Results

  QoQ: Total Loans by Segment at BCP Stand-Alone (in Quarter-end Balances)

  Total Loans (S/ millions)	Jun 26	As of	Sep 26	QoQ Change Volume %	Balance in USD/PEN Neutral Jun 26 Sep 26		QoQ Change in USD/PEN Neutral Volume %
  BCP Stand-alone	134,207	141,044	6,838	5.1%	134,207	140,734	6,527	4.9%
  Wholesale Banking	58,148	59,372	1,224	2.1%	58,148	59,140	992	1.7%
  Corporate	33,545	34,416	872	2.6%	33,545	34,280	735	2.2%
  Middle - Market	24,603	24,956	353	1.4%	24,603	24,860	257	1.0%
  Retail Banking	74,081	78,354	4,272	5.8%	74,081	78,294	4,213	5.7%
  SME - Business	7,440	7,821	382	5.1%	7,440	7,798	358	4.8%
  SME - Pyme	18,244	19,361	1,118	6.1%	18,244	19,360	1,117	6.1%
  Mortgage	24,998	25,766	768	3.1%	24,998	25,755	758	3.0%
  Consumer	16,543	18,310	1,767	10.7%	16,543	18,293	1,750	10.6%
  Credit Card	6,857	7,095	237	3.5%	6,857	7,087	230	3.4%
  Others(1)	1,978	3,318	1,341	67.8%	1,978	3,301	1,323	66.9%

  For consolidation purposes. Loans generated in Foreign Currency (FC) are converted into Local Currency (LC). Larger contraction in volume

  (1) Includes other assets and accruals. Larger expansion in volume

  QoQ, total loans in quarter-end balances at BCP Stand-alone rose 4.9% with a Neutral exchange rate. This growth was led mainly by Retail Banking (+5.7%), followed by Wholesale Banking (+1.7%). In Retail Banking, the uptick was driven by Individuals and SME-Pyme, with noteworthy contributions from:

• Consumer, which registered significant growth in personal loans in 3Q26 after a commercial strategy effectively targeted segments with potential growth

• SME-Pyme, which reported an increase in disbursements of working capital loans, mainly through pilot programs and Yape loans for small businesses.

In Wholesale Banking, loan expansion was fueled primarily by Corporate Banking (+2.2%) and to a lesser extent by Middle Market Banking (+1.0%), where growth was driven mainly by an uptick in short-term loans. Medium and longterm loans also contributed to Wholesale Banking, albeit to a lesser extent, due to a favorable macroeconomic environment.

YoY: Total Loans by Segment at BCP Stand-Alone (in Quarter-end balances)

For consolidation purposes. Loans generated in Foreign Currency (FC) are converted into Local Currency (LC). Larger contraction in volume

(1) Includes other assets and accruals. Larger expansion in volume

YoY, total loans in quarter-end balances at BCP Stand-alone increased 15.0% with a Neutral exchange rate. This growth was driven mainly by Retail Banking (+15.4%), followed by Wholesale Banking (+12.0%). In Retail Banking, most segments reported expansion. Consumer (+33.1%) and SME-Pyme (+17.7%) led growth, which was fueled by the same factors in play QoQ and by an uptick in economic activity. The increase registered in Mortgage (+10.3%) was primarily attributable to operating improvements, which reduced origination times, and secondarily to a rebound in the underlying demand for this product.

In Wholesale Banking, growth was fueled mainly by Middle Market Banking (+14.9%) and Corporate Banking (+10.0%).

Both the Middle Market and Corporate segments have benefited from stronger economic activity.

YoY evolution of Loan Dollarization (in Quarter-end balances)

FC Total Portfolio Participation

-Credicorp: 34.4% in Sep 26 and 34.2% in Sep 25

-BCP Stand-alone: 32.8% in Sep 26 and 32.8% in Sep 25

1%

99%

1%

99%

7%

LC FC

(1) Participation in FC loans at the Credicorp level considers BCP Stand-alone, Mibanco, Mibanco Colombia, BCP Bolivia and ASB

YoY, the dollarization level of total loans rose 15 bps. This evolution was propelled by growth in FC loans (+15.3%), mainly in Wholesale Banking, and was offset by growth in LC loans (+14.5%), which was fueled primarily by the SME-Pyme and Consumer segments.

Loan Evolution in Average Daily Balances

Total loans in average daily balances (ADB) rose 1.7% and 9.4%, QoQ and YoY, respectively. It is important to note that the figures for loans are derived from internal management balances.

For more details on loan dynamics in ADB, see Annex 12.1.

‌02 Deposits

Executive Summary

• Total deposits slightly declined QoQ and increased 14.3% YoY.

• QoQ, the decline was mainly driven by the normalization of wholesale deposit balances at BCP Stand-alone, which partially shifted toward Time Deposits. Higher Savings Deposits, supported by inflows from the July statutory bonus, also partially offset the decline.

• YoY, growth was spurred by an increase in Savings Deposits and Demand Deposits, which was driven by fund inflows from pension withdrawals.

• Growth over both periods was attributable to our ongoing efforts to strengthen our transactional offerings. It is also important to mention that at the end of 3Q26, 73.19% of Total deposits were Low-Cost (Demand + Savings).

1. Includes Demand Deposits and Saving Deposits

   QoQ, our balance for Total Deposits fell 0.6%. This result was mainly fueled by:

   • A 6.5% reduction in the balance for Demand Deposits. This evolution was mainly driven by a drop in FC volumes at BCP Stand-alone, which was triggered mainly by the normalization of wholesale deposit balances at BCP Stand-alone, which partially shifted toward Time Deposits.

     The drop in Demand Deposits was partially offset by:

   • Time Deposits, which were up 5.4%. This evolution was driven mainly by an uptick in captures of wholesale clients in the LC portfolio at BCP Stand-alone, which was in line with our funding strategy, and secondarily by fund migration from Demand Deposits, as previously explained.

   • Savings deposits, which rose 1.7% on the back of growth in LC balances in Individuals after statutory bonuses were paid in July. This uptick attests to the strength of our transactional offering, which has allowed us to continue capturing deposits in a high-liquidity environment.

     YoY, our balance for Total Deposits rose 14.3%. This evolution was fueled mainly by:

   • Growth of 18.6% in Savings Deposits and 19.1% in Demand Deposits. The uptick in these Low-cost Deposits was fueled by an increase in LC volumes at BCP Stand-alone, which continued to capture surplus liquidity from the 8th pension fund withdrawal that began in November 2025.

Growth in Low-cost Deposits was thanks to our sustained efforts to strengthen our differentiated transactional offering. These initiatives are supported by investments in digital infrastructure and stronger client relations, both of which have helped us capture deposits in a high-liquidity environment. At the end of September 2026, Low-Cost Deposits represented 73.2% of total deposits, up 281 bps YoY.

| Earnings Release 3Q / 2026

Analysis of 3Q26 Consolidated Results

Deposit Dollarization Level

Deposits by Currency (measured at quarter-end balances)

Sep 25 Jun 26 Sep 26

LC FC

At the end of September 2026, the dollarization level of Total Deposits dropped 145 bps QoQ to stand at 42.9%, which is still below the average for the last 4 years (47.6%). This decline was mainly driven by higher Savings Deposits, supported by increased liquidity from July bonus payments, as well as lower FC Demand Deposits from wholesale clients, partially offset by an increase in FC Time Deposits.

57.1%

55.7%

55.4%

YoY, the dollarization level declined 178 bps. This evolution was fueled mainly by an uptick in liquidity in LC from Individuals, which was associated with inflows from pension fund withdrawals, and LC funds from SMEs, supported by higher business activity.

Deposits by Currency and Type (measured at quarter-end balance)

LC FC

Loan / Deposit Ratio (L/D ratio)

128.4% 130.5%

120.2%

QoQ, the L/D ratio rose 438 bps at BCP Stand-alone, driven by growth in Retail loans, which rose on the back of better prints in both Consumer and SME-Pyme. At Mibanco, the ratio increased 209 bps as loan growth continued to gain traction. This growth was partially offset by an increase in Savings Deposits, which was driven by our efforts to capture higher balances in a context of ample liquidity.

91.4%

90.3%

87.5%

84.5%

91.8%

88.9%

YoY, the L/D ratio fell 143 bps at BCP Stand-alone. This evolution was mainly fueled by growth in Low-cost deposits, which rose on the back of an increase in wholesale and retail deposit captures in a high liquidity environment. At Mibanco the ratio increased 1,035 bps, after loans expanded through the same factors that

Sep 25 Jun 26 Sep 26

BCP Mibanco Credicorp

In this context, the L/D ratio at Credicorp stood at 91.8%.

L/D Ratio Local Currency

spurred growth QoQ. The positive evolution of loans was partially offset by an increase in Savings Deposits, which was also triggered by the same factors that drove the uptick seen QoQ.

L/D Ratio Foreign Currency

134.2%

136.1%

125.7%

108.6%

106.1%

102.5% 105.4%

100.7%

97.5%

70.0% 68.8% 73.6%

69.3% 66.4% 71.7%

1.7% 1.5% 1.4%

Sep 25 Jun 26 Sep 26

BCP Mibanco Credicorp

Sep 25 Jun 26 Sep 26

BCP Mibanco Credicorp

1. Interest-Earning Assets (IEA) and Funding

   Executive Summary

   • QoQ, IEA remained relatively stable (+0.4%) after expansion in the loan balances at BCP (in both Retail and Wholesale) and Mibanco outstripped the drop registered in the balance for Cash and Due to Banks. Funding fell (-1.6%), driven mainly by a subordinated bond scheduled call at BCP and, to a lesser extent, by a reduction in the balance of BCRP instruments.

   • YoY, IEA rose 10.8%, fueled primarily by loan growth in Retail and Wholesale Banking at BCP. The uptick in total investments, which was part of a strategy to capitalize on surplus liquidity, was a secondary driver of growth in IEA. On the Funding side, (+ 11.2% YoY), growth in deposits was the primary driver of expansion and was partially offset by a drop in the balance for BCRP instruments.

     1. IEA

        Interest Earning Assets S/000	Sep 25	As of Jun 26	Sep 26	QoQ	% Change	YoY
        Cash and due from banks	35,862,184	40,553,153	33,981,593	-16.2%	-5.2%
        Total investments	51,186,579	58,430,063	58,604,281	0.3%	14.5%
        Cash collateral, reverse repurchase agreements and securities borrowing	3,404,639	1,185,971	1,888,940	59.3%	-44.5%
        Total loans	144,752,254	159,434,397	166,161,042	4.2%	14.8%
        Total interest earning assets	235,205,656	259,603,584	260,635,856	0.4%	10.8%

        QoQ, IEA rose 0.4%. This evolution was fueled mainly by growth in the balance for Total Loans, which increased 4.2% on the back of the dynamics explained in Chapter 1. Loan Portfolio. The increase in the balance for Cash collateral, reverse repurchase agreements and securities borrowing was a secondary driver of IEA expansion over the period. These dynamics were partially offset by a reduction in the balance for Cash and due to banks, which was impacted by movements by Corporate clients at BCP.

        YoY, IEA rose 10.8%, spurred primarily by growth in Loans, which was led by BCP Stand-alone (both Retail Banking and Wholesale Banking) and by Mibanco. The uptick in the balance for Total Investments also contributed to IEA expansion, albeit to a lesser extent, under a strategy to capitalize on surplus liquidity. These dynamics were partially offset by a drop in the balances for Cash and due from banks and Cash collateral, reverse repurchase agreements and securities borrowing.

     2. Funding

     Funding S/000	Sep 25	As of Jun 26	Sep 26	QoQ	% Change	YoY
     Deposits and obligations	158,430,455	182,120,766	181,018,857	-0.6%	14.3%
     Due to banks and correspondents	11,241,079	11,755,256	11,260,498	-4.2%	0.2%
     BCRP instruments	6,643,892	4,043,986	3,204,454	-20.8%	-51.8%
     Repurchase agreements with clients and third parties	3,537,281	4,332,500	4,877,233	12.6%	37.9%
     Bonds and notes issued	12,209,724	14,789,015	13,273,001	-10.3%	8.7%
     Total funding	192,062,431	217,041,523	213,634,043	-1.6%	11.2%

     QoQ, Funding dropped -1.6%. This evolution was fueled primarily by a reduction in the balance for Bonds and notes issued, which reflected the scheduled call of a subordinated bond at BCP. The balance for Deposits and obligations remained relatively stable over the period, where the decrease in Low-cost deposits was offset by an increase in Time Deposits.

     YoY, Funding rose 11.2%, spurred mainly by growth in the balance for Deposits and obligations, which rose on the back of an uptick in low-cost deposits (through inflows from pension fund withdrawals and greater dynamism in the economy). The increase in the deposit and obligations line was partially offset by a reduction in the balance for BCRP instruments.

2. Net Interest Income (NII)

   Executive Summary

   • NII increased +6.0% QoQ. This evolution, which was driven mainly by an uptick in interest on loans, accompanied loan growth in Retail Banking at BCP and Mibanco and was partially offset by growth in interest on deposits and interest on due to banks and correspondents.

   • YoY, NII rose 17.7%, propelled by a rise in Interest and Similar income, which ticked up through an increase in the loan volume. The rise in Interest and Similar income was partially offset by an increase in Interest and Similar Expenses.

   • NIM expanded 36 bps YoY to stand at 6.93%. This growth was driven mainly by an increase in the IEA yield and a drop in the funding cost. Risk-adjusted NIM stood at 5.66% (+13 bps YoY), as margin expansion more than offset the higher cost of risk.

     Net Interest Income / Margin S/000	3Q25	Quarter 2Q26	3Q26	% Change QoQ YoY		Up to Sep 25 Sep 26		% Change Sep 26 / Sep 25
     Interest and Similar Income	4,987,693	5,413,885	5,717,687	5.6%	14.6%	14,804,775	16,343,984	10.4%
     Interest and Similar Expenses	(1,299,864)	(1,316,934)	(1,376,563)	4.5%	5.9%	3,929,563	3,943,182	0.3%
     Interest Expense (excluding Net Insurance Financial Expenses)	(1,158,420)	(1,147,859)	(1,208,903)	5.3%	4.4%	(3,513,442)	(3,443,529)	-2.0%
     Net Insurance Financial Expenses	(141,444)	(169,075)	(167,660)	-0.8%	18.5%	(416,121)	(499,653)	20.1%
     Net Interest, similar income and expenses	3,687,829	4,096,951	4,341,124	6.0%	17.7%	10,875,212	12,400,802	14.0%
     Balances
     Average Interest Earning Assets (IEA)	233,285,291	257,562,678	260,119,720	1.0%	11.5%	237,958,451	253,498,885	6.5%
     Average Funding	190,658,187	213,379,275	215,337,783	0.9%	12.9%	195,494,018	208,490,118	6.6%
     Yields
     Yield on IEAs	8.55%	8.41%	8.79%	38 bps	24 bps	8.30%	8.60%	30 bps
     Cost of Funds(1)	2.43%	2.15%	2.25%	10 bps	-18 bps	2.40%	2.20%	-20 bps
     Net Interest Margin (NIM)(1)	6.57%	6.63%	6.93%	30 bps	36 bps	6.33%	6.79%	46 bps
     Risk-Adjusted Net Interest Margin(1)	5.53%	5.49%	5.66%	17 bps	13 bps	5.34%	5.71%	37 bps
     Peru's Reference Rate	4.25%	4.25%	4.25%	0 bps	0 bps	4.25%	4.25%	0 bps
     FED funds rate	4.25%	3.75%	4.00%	25 bps	-25 bps	4.25%	4.00%	-25 bps

     (1) For further details on the NIM and Cost of Funds calculation, please refer to Annex 12.8.

     QoQ, Net Interest Income (NII) rose 6.0%. This result was driven mainly by growth in Interest and Similar income as Interest on loans ticked up alongside growth in volumes in Retail banking at BCP and at Mibanco. The improvement in Interest and similar income was partially offset by growth in Interest and similar expenses. The aforementioned increase was driven by an uptick in funding costs, which rose alongside an increase in time deposits.

     YoY, NII increased 17.7%. This evolution was driven mainly by growth in Interest and Similar Income, which was fueled by the uptick in interest on loans that accompanied a rise in loans volumes at BCP and Mibanco. Interest and similar expenses were up this quarter, which partially offset the increase in Interest and similar income. Growth in the former was due primarily to an uptick in interest expenses, related to an increase in time deposits and secondarily, by higher expenses for interest on bonds and subordinated debt.

     YTD, NII rose 14.0%. This result was fueled by an increase in Interest and Similar Income, which was driven by the same dynamics that drove the YoY evolution. Meanwhile, Interest and Similar Expenses remained relatively stable, as the decline in Interest on due to banks and correspondents was offset by higher Net Insurance Financial Expenses.

     Net Interest Margin

     NIM rose (+36 bps YoY) to stand at 6.93% at the end of 3Q26. This expansion was driven mainly by growth in the IEA yield (+24 bps YoY), which increased on the back of an uptick in loans' share of the IEA mix. The funding cost, which dropped (-18 bps YoY) this quarter due to a rise in low-cost deposits' share of the mix, also contributed to

     6.11% 6.20% 6.30% 6.33%

     6.43%

     6.34% 6.22%

     6.42% 6.57% 6.62% 6.58% 6.63%

     5.81%

     6.93%

     5.66%

     NIM's evolution. Risk-adjusted NIM, in turn, stood at 5.66% at the end of 3Q26 (+13 bps YoY), as margin expansion more than offset the higher cost of risk.

     4.45%

     4.10%

     4.85%

     4.40%

     4.93%

     5.08% 5.24%

     5.44% 5.53% 5.55%

     5.49%

     3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26

     Dynamics of the Net Interest Margin by Currency

     NIM Risk-adjusted NIM

     Interest Income / IEA S/ millions	Average Balance	3Q25 Income	Yields	Average Balance	2Q26 Income	Yields	Average Balance	3Q26 Income	Yields
     Total (LC + FC)
     Cash and equivalents	35,034	316	3.6%	41,767	321	3.1%	37,267	271	2.9%
     Other IEA	3,999	68	6.8%	1,698	23	5.4%	1,537	23	6.0%
     Investments	51,396	643	5.0%	57,968	699	4.8%	58,517	758	5.2%
     Loans	142,857	3,961	11.1%	156,129	4,371	11.2%	162,798	4,665	11.5%
     Total IEA	233,286	4,988	8.6%	257,562	5,414	8.4%	260,119	5,717	8.8%
     IEA (LC)	56.7%	71.4%	10.8%	56.5%	72.3%	10.8%	57.7%	73.1%	11.1%
     IEA (FC)	43.3%	28.6%	5.7%	43.5%	27.7%	5.3%	42.3%	26.9%	5.6%

     Interest Expense / Funding S/ millions	Average Balance	3Q25 Expense	Yields	Average Balance	2Q26 Expense	Yields	Average Balance	3Q26 Expense	Yields
     Total (LC + FC)
     Deposits	156,577	565	1.4%	180,500	566	1.3%	181,570	601	1.3%
     BCRP + Due to Banks	17,067	253	5.9%	14,175	224	6.3%	15,132	232	6.1%
     Bonds and Notes	12,161	165	5.4%	14,770	195	5.3%	14,031	193	5.5%
     Others	4,853	317	26.1%	3,933	332	33.8%	4,605	349	30.3%
     Total Funding	190,658	1,300	2.7%	213,378	1,317	2.5%	215,338	1,375	2.6%
     Funding (LC)	52.6%	52.8%	2.7%	53.4%	52.5%	2.4%	53.8%	52.1%	2.5%
     Funding (FC)	47.4%	47.2%	2.7%	46.6%	47.5%	2.5%	46.2%	47.9%	2.6%

     NIM(1)	233,286	3,688	6.3%	257,562	4,097	6.4%	260,119	4,342	6.7%
     NIM (LC)	56.7%	77.9%	8.7%	56.5%	78.7%	8.9%	57.7%	79.7%	9.2%
     NIM (FC)	43.3%	22.1%	3.2%	43.5%	21.3%	3.1%	42.3%	20.3%	3.2%

     (1) Unlike the NIM figure calculated according to the formula in Appendix 12.8, the NIM presented in this table includes "Financial Expense associated with the insurance and reinsurance activity, net".

     QoQ Analysis

     QoQ, Net Interest Income (NII) rose 6.0%. This evolution was driven by growth in NII in LC and, to a lesser extent, in FC. IEA in LC represented 57.7% of total IEA at the end of 3Q26 and accounted for 73.1% of interest income generated this quarter.

     Dynamics in Local Currency (LC)

     NII in LC increased 7.4% QoQ. This evolution was driven by an uptick in interest income, which was positively impacted by an increase in interest on loans after loan volumes at BCP and Mibanco rose. Interest expenses, in turn, grew due to an increase in expenses for deposits, which rose on the back of growth in time deposits' share of the funding mix.

     Dynamics in Foreign Currency (FC)

     NII in FC increased 0.8% QoQ. This print was driven mainly by (i) an increase in interest on Loans, after the loan volume rose, mainly through Wholesale Banking at BCP and (ii) growth in interest on securities. Interest expenses, in turn, rose this quarter, driven mainly by an increase in expenses for deposits, mainly through Wholesale Banking at BCP.

     YoY Analysis

     YoY, NII increased 17.7%. This evolution was mainly fueled by growth in NII in LC and to a lesser extent, in FC.

     Dynamics in Local Currency (LC)

     NII in LC rose 20.5% YoY on the back of an increase in interest income, which was partially offset by an uptick in interest expenses. These results were driven by the following dynamics:

     The rise in Interest income was mainly fueled by an uptick in interest on Loans, which rose alongside growth in volumes at BCP and Mibanco. Interest on securities, which increased through a strategy to take advantage of market opportunities, also contributed to this dynamic, albeit to a lesser extent. In this scenario, the IEA yield in LC increased 38 bps to stand at 11.1%.

     Interest expenses this quarter rose, impacted by an increase in LC time deposits' share of the funding mix. An uptick in interest on bonds and subordinated debt was a secondary contributor to growth in expenses this quarter. In this context, the cost of funding in LC dropped 27 bps to stand at 2.5%.

     Dynamics in Foreign Currency (FC)

     NII in FC rose 8.0% YoY due to the following dynamics:

     Interest income rose, driven mainly by growth in interest on Loans, which ticked up alongside an increase in loan volumes in Wholesale Banking at BCP. IEA in FC increased 8.9% over the period. In this context, the IEA yield dropped 7 bps to stand at 5.6%.

     Interest expenses in FC increased 7.3%, driven by higher expenses for deposits and to a lesser extent, for interest on bonds and subordinated debt. Total Funding in FC increased 10.0% over the period. In this context, the funding cost in FC dropped 7 bps to stand at 2.6%.

     YTD Analysis

     YTD, NII increased 14.0%, on the back of growth in both LC and FC.

     Dynamics in Local Currency (LC)

     NII in LC rose 16.1%. This evolution was driven primarily by an uptick in interest income and secondarily, by a drop in interest expenses. The rise in interest income YTD was fueled mainly by an increase in income from Loans, which rose on the back of the same dynamics seen YoY, while the reduction in expenses was driven mainly by a drop in interest expenses for Due to banks and secondarily, by growth in low-cost deposits' share of the funding mix.

     Dynamics in Foreign Currency (FC)

     NII in FC increased 6.7%. This print was fueled mainly by growth in interest income, after income from loans rose on the back of an uptick in loan volumes. Expenses were relatively stable given that the uptick in interest on deposits was offset by a drop in interest on Due to banks.

3. Portfolio Quality and Provisions

   Executive Summary

   • As of Sep 26, Credicorp's NPL ratio improved to 3.9%, down -15 bps QoQ and -91 bps YoY. QoQ, loan growth outpaced higher NPLs in BCP Retail Banking and Mibanco, partly offset by lower NPLs in BCP Wholesale Banking. YoY, the improvement reflected loan growth and lower NPLs, mainly at BCP Stand-alone, supported by improved origination, monitoring and collections.

   • Provisions rose 13.3% QoQ and 37.4% YoY, which led the Cost of Risk (CoR) to stand at 2.0%. This quarter included additional provisions for El Niño risk, based on a "Very Strong" event as our base scenario, at quarter-end. QoQ, underlying provisions were relatively stable, as higher provisions in BCP Retail and Mibanco were offset by improved performance in BCP Wholesale. YoY, the increase in underlying provisions was mainly driven by a higher share of retail loans in the portfolio mix, while overall portfolio quality remained healthy.

     Portfolio indicators continued to evolve positively and transversally across segments. This evolution was supported by enhancements in risk management, as we leverage data, analytics and more sophisticated tools to bolster origination, monitoring and collections.

     1. Portfolio Quality

        Total Portfolio Quality (in quarter-end balances)

        Loan Portfolio quality and Delinquency ratios S/000	Sep 25	As of Jun 26	Sep 26	QoQ	% Change	YoY
        Total loans (Quarter-end balance)	144,752,254	159,434,397	166,161,042	4.2%	14.8%
        Write-offs	713,933	535,949	595,093	11.0%	-16.6%
        Internal overdue loans (IOLs)	4,953,303	4,504,185	4,543,621	0.9%	-8.3%
        Internal overdue loans over 90-days	4,142,080	3,657,815	3,689,841	0.9%	-10.9%
        Refinanced loans	2,016,442	1,953,602	1,936,937	-0.9%	-3.9%
        Non-performing loans (NPLs)	6,969,745	6,457,787	6,480,558	0.4%	-7.0%
        IOL ratio	3.4%	2.8%	2.7%	-10 bps	-69 bps
        IOL over 90-days ratio	2.9%	2.3%	2.2%	-7 bps	-64 bps
        NPL ratio	4.8%	4.1%	3.9%	-15 bps	-91 bps

        QoQ, NPL balance increased 0.4%, as overdue loan growth was partially offset by a reduction in the refinanced portfolio. Write-offs rose 11.0%, driven mainly by BCP Stand-alone.

        QoQ, the slight increase in the NPL portfolio was driven mainly by Retail at BCP Stand-alone and by Mibanco. At BCP, the uptick was fueled primarily by the SME-PYME and Consumer segments, where the higher-yield segments continued to grow within a controlled risk parameter. At Mibanco, the NPL portfolio rose alongside an increase in the loan volume. The aforementioned was partially offset by a reduction in refinancing in Corporate Banking and a drop in NPLs in Middle Market Banking at BCP Stand-alone.

        YoY, the NPL portfolio dropped -7.0% on the back of the evolution at BCP Stand-alone. Write-offs fell -16.6%, positively impacted by an improvement in collections.

        YoY, the trends remained positive, backed by a sustained reduction in the NPL portfolio. Performance was driven by BCP Stand-alone, primarily through an uptick in payment performance and the solid evolution of recent vintages in Retail and secondarily, thanks to favorable dynamics in Wholesale. The aforementioned was partially offset by an increase in NPL balances at BCP Bolivia, Mibanco Colombia and Mibanco.

        | Earnings Release 3Q / 2026

        Analysis of 3Q26 Consolidated Results

        NPL Ratio for Total Loans

        5.7%

        5.3%

        The NPL Ratio at Credicorp dropped -15 bps QoQ to stand at 3.9%, supported by loan growth and positive asset quality trends across the portfolio.

        4.8%

        4.5%

        4.9% 4.8% 4.8%

        4.3%

        Mibanco

        BCP Stand-alone

        If we analyze the QoQ evolution of the NPL Ratio by subsidiary, we find:

        4.7%

        4.5%

        4.2%

        4.1%

        3.9%

        4.5%

        3.9%

        BCP Bolivia

        • BCP Stand-alone: The NPL Ratio dropped -22 bps, supported by loan growth and healthy asset quality. The NPL portfolio increased in Retail Banking, although

          3.6% 3.7%

          3.4%

          3.7%

          3.7%

          Credicorp

          this increase was partially offset by a reduction in Wholesale Banking.

          Sep 25 Dec 25 Mar 26 Jun 26 Sep 26

          The slight increase in the NPL portfolio was concentrated in vintages associated with digital pilots in SME-Pyme and Consumer, conducted under our experimentation approach. Early-stage delinquency remains concentrated in specific vintages originated during the first half of the year, which retain higher recovery potential, while continuous monitoring has enabled timely corrective actions. This was partially offset by improvements in Wholesale Banking, mainly reflecting repayments from clients in the Construction and Real Estate sectors.

        • Mibanco: loan growth outpaced the increase in NPLs, which led the ratio to stand at 4.8% (-2 bps QoQ). Credit deterioration remained below our initial expectations, supported by better recoveries and improvements in risk models and credit guidelines.

        12.7%

        NPL Ratio for Total Loans at BCP (1)

        The NPL Ratio at Credicorp dropped -91 bps YoY, driven by lower NPL balances and loan growth, reflecting healthy

        10.5%

        12.0%

        9.9%

        11.7%

        10.8%

        10.7%

        9.9%

        SME - Pyme

        SME - Business

        portfolio quality trends across the portfolio.

        If we analyze the YoY evolution of the NPL Ratio by

        4.9%

        4.3%

        4.1%

        3.5%

        3.6%

        3.5%

        3.2%

        4.4%

        3.2%

        3.1%

        4.1%

        3.1%

        3.0%

        5.8% 5.6%

        10.2% 9.8%

        Consumer

        Credit Card

        1.9%

        1.6%

        1.7%

        1.6%

        1.4%

        Mortgage

        Wholesale

        Subsidiary, we see:

        • BCP Stand-alone: The NPL Ratio fell -103 bps, led by Retail Banking, which reported a sustained reduction in the NPL portfolio and loan expansion. The improvement reflects the continued strengthening of risk management capabilities, through adjustments in

        Sep 25 Dec 25 Mar 26 Jun 26 Sep 26

        (1) It corresponds to management information by segment in BCP Stand-Alone.

        origination, advanced analytics tools, and targeted actions in response to early signs of deterioration. In SMEs, the NPL balance also declined supported by improvements in the early detection of vulnerable portfolios and judicial recoveries in SME-Pyme.

        In Individuals, the reduction in the NPL balance was mainly driven by Mortgages, followed by Consumer Loans and Credit Cards, also supported by improved collections processes, including earlier detection and the assignment of specialized contact channels based on customer profiles. In Wholesale Banking, the evolution reflected the same factors discussed in the QoQ analysis.

        • Mibanco: The NPL ratio dropped -88 bps YoY, driven mainly by loan growth. The NPL portfolio, in turn, increased slightly, reflecting sustained improvements in origination and collections management.

        • Mibanco Colombia: The NPL ratio decreased -52 bps YoY, due to higher loan volumes. The increase in NPL levels was driven by loan growth and specific impacts from extraordinary climatic and physical events during the quarter.

        • BCP Bolivia: The NPL ratio rose 91 bps YoY. This increase in NPLs was mainly driven by the implementation of regulatory measures for loan reprogramming and refinancing, which have temporarily impacted portfolio quality.

     2. Provisions and Cost of Risk of the Total Portfolio

     Loan Portfolio Provisions S/000	3Q25	Quarter 2Q26	3Q26	% Change QoQ YoY		Up to Sep 25 Sep 26	% Change Sep 26 / Sep 25
     Gross provision for credit losses on loan portfolio	(720,445)	(854,827)	(982,850)	15.0%	36.4%	(2,100,143) (2,449,688)	16.6%
     Recoveries of written-off loans	117,527	123,619	154,714	25.2%	31.6%	340,173 408,256	20.0%
     Provision for credit losses on loan portfolio, net of recoveries	(602,918)	(731,208)	(828,136)	13.3%	37.4%	(1,759,970) (2,041,432)	16.0%
     Cost of risk (1)	1.7%	1.9%	2.0%	16 bps	34 bps	1.6% 1.7%	10 bps

     The uptick in provision expenses 3Q26 was fueled by both additional El Niño provisions, reflecting our quarter-end risk assessment, as well as loan growth in retail segments, particularly in higher-yield portfolios. As a result, expenses rose 13.3% QoQ and 37.4% YoY. In this scenario, the Cost of Risk (CoR) stood at 2.0%.

     QoQ, underlying provisions remained relatively stable. At BCP Stand-alone, provisions increased in Individuals, mainly due to loan growth and higher provisions associated with specific Consumer and Yape pilots, partially offset by lower provisions in Credit Cards and Mortgages. In SMEs, the increase was driven by loan growth and, in particular, by recent SME Working Capital vintages, with greater penetration into higher-risk segments. In line with our experimentation approach, origination criteria were proactively adjusted for certain pilots, while overall portfolio quality remains healthy. These increases were offset by improved risk performance in Wholesale Banking. At Mibanco, provisions increased in line with loan growth.

     YoY, underlying provisions increased mainly at BCP Standalone and Mibanco. At BCP, the increase was led by SME-Pyme, reflecting loan growth and greater penetration into new segments. Despite this growth, 3Q26 originations showed healthy performance, with risk indicators trending downward. Yape also contributed to the increase, mainly reflecting loan growth and higher

     5.2%

     Cost of Risk by Subsidiary

     5.8%

     4.8% 4.8% 5.1%

     Mibanco

     provisions associated with the Multicuota and SME-Pyme pilots. At Mibanco, the increase was mainly driven by loan growth.

     1.7% 1.8%

     1.3% 1.4%

     1.3%

     0.8%

     1.9% 2.0%

     1.4% 1.6%

     Credicorp

     BCP Stand-alone

     3Q25 4Q25 1Q26 2Q26 3Q26

     QoQ Cost of Risk Evolution YoY Cost of Risk Evolution*

     +16 bps QoQ in the Cost of risk

     1.9% 0.1% 0.1%

     2.0%

     +34 bps YoY in the Cost of risk

     -%

     2Q26 BCP

     Stand-Alone

     Mibanco Others (1) 3Q26

     3Q25 BCP

     1.7%

     0.2%

     0.1%

     2.0%

     -%

     Stand-Alone

     Mibanco Others (1) 3Q26

     (1) Others include BCP Bolivia, Mibanco Colombia, ASB and eliminations. (1) Others include BCP Bolivia, Mibanco Colombia, ASB and eliminations.

     YTD Cost of Risk Evolution

     +10bps YTD in the Cost of Risk

     0.2%

     -0.4%

     1.6%

     0.3% 1.7%

     Sep 25 BCP

     Stand-Alone

     Mibanco Others (1) Sep 26

     (1) NPL Coverage Ratio (in Quarter-end balances)

     Loan Portfolio Quality and Delinquency Ratios S/000	Sep 25	As of Jun 26	Sep 26	QoQ	% Change	YoY
     Total loans (Quarter-end balance)	144,752,254	159,434,397	166,161,042	4.2%	14.8%
     Allowance for loan losses	7,674,040	7,575,313	7,837,815	3.5%	2.1%
     Non-performing loans (NPLs)	6,969,745	6,457,787	6,480,558	0.4%	-7.0%
     Allowance for loan losses over Total loans	5.3%	4.8%	4.7%	-3 bps	-58 bps
     Coverage ratio of NPLs	110.1%	117.3%	120.9%	363 bps	1083 bps

     Allowance for loan losses

     (in S/ millions)

     7,674 7,670 7,425 7,575 7,838

     QoQ, the allowance for loan losses increased 3.5%, while YoY increased 2.1%, mostly reflecting El Niño related provisions.

     Sep 25 Dec 25 Mar 26 Jun 26 Sep 26

     BCP Stand-alone Mibanco BCP Bolivia Others (1)

     (1) Others include Mibanco Colombia, ASB and

     eliminations.

     The NPL Coverage Ratio at Credicorp stood at 120.9% at the end of 3Q26.

     QoQ, the coverage ratio increased 363 bps, driven by a NPL portfolio that remained relatively stable and an increase in allowances for loan losses. YoY, the

     NPL Coverage Ratio

     142.2%

     149.2%

     coverage ratio improved significantly (+1083 bps). This evolution was driven mainly by a drop in the NPL portfolio and an increase in provisions at BCP Stand-

     121.0%

     127.1%

     137.4%

     115.8%

     120.7%

     alone, where improvements implemented since 2024 for origination, monitoring and early recovery, coupled

     112.2% 112.2%

     109.6%

     117.3%

     120.9%

     with a more favorable macroeconomic environment,

     110.1%

     112.4% 113.8%

     fueled an upward trajectory.

     Sep 25 Dec 25 Mar 26 Jun 26 Sep 26

     Mibanco Credicorp BCP Stand-Alone

4. Other Income

   Executive Summary

   • Other Core Income rose 3.2% QoQ and 18.8% YoY. QoQ growth was driven by higher fee income, supported by stronger transactional activity across BCP's core banking businesses and Yape, partially offset by the normalization of FX gains following a strong 2Q26. YoY growth reflected positive contributions from both fee income and FX gains.

   • Other Non-Core Income dropped QoQ (-56.0%) and YoY (-18.3%). QoQ results mainly reflected the normalization of gains on securities following a strong 2Q26 and base effects in Other Non-Operating Income, partially offset by improved results from derivatives held for trading. YoY, results were mainly affected by lower gains on securities.

1. Other Income

   Other Income (S/ 000)	3Q25	Quarter 2Q26	3Q26	% Change QoQ YoY		Up to Sep 25 Sep 26		% Change Sep 26 / Sep 25
   Other Core Income	1,457,604	1,677,087	1,731,093	3.2%	18.8%	4,197,011	5,006,348	19.3%
   Other Non-Core Income	196,587	365,115	160,586	-56.0%	-18.3%	824,769	783,857	-5.0%
   Total Other Income	1,654,191	2,042,202	1,891,679	-7.4%	14.4%	5,021,780	5,790,205	15.3%

   Other Income dropped 7.4% QoQ while increasing 14.4% YoY and 15.3% YTD. Solid growth in Core income, supported by strong transactional activity, was offset by lower Other non-core income reflecting non-recurring factors.

   1. Other Core Income

      Other Core Income (1) (S/ 000)	3Q25	Quarter 2Q26	3Q26	% Change QoQ YoY		Up to Sep 25 Sep 26		% Change Sep 26 / Sep 25
      Fee Income	1,063,032	1,187,608	1,280,004	7.8%	20.4%	3,081,609	3,616,896	17.4%
      Net Gain on Foreign Exchange	394,572	489,479	451,089	-7.8%	14.3%	1,115,402	1,389,452	24.6%
      Total Other Core Income	1,457,604	1,677,087	1,731,093	3.2%	18.8%	4,197,011	5,006,348	19.3%

      Other core income increased 3.2% QoQ, 18.8% YoY and 19.3% YTD. It represented 29.3% of Credicorp's total risk-adjusted income in 3Q26, up from 28.8% in 2Q26 and 27.8% in 3Q25, reflecting the growing contribution of recurring, transaction-driven revenues to Credicorp's income mix.

      • QoQ growth was driven by Fee Income, which increased +7.8% and is discussed in the following section. This increase was partially offset by a 7.8% decline in Net Gain on Foreign Exchange Transactions, mainly reflecting the normalization of FX activity at BCP Stand-alone following the elevated transaction volumes registered amid electoral volatility in 2Q26. Furthermore, lower FX gains at BCP Bolivia also contributed to the decline, reflecting changes in the exchange rate environment and Central Bank intervention during September.

        • YoY, growth was driven primarily by a +20.4% increase in Fee Income and, to a lesser extent, by a 14.3% increase in Net Gain on Foreign Exchange Transactions. At BCP Stand-alone, FX gains rose 16.3%, supported by higher transaction volumes and better pricing management. This positive performance was partially offset by lower FX gains at BCP Bolivia reflecting the same exchange-rate dynamics described in the QoQ analysis.

        • YTD, Other Core Income increased 19.3%, supported by growth in both Fee Income and Net Gain on Foreign Exchange Transactions, which rose 17.4% and 24.6%, respectively. Fee-income growth was driven primarily by BCP Stand-alone, while the increase in FX gains reflected higher transaction volumes and better pricing management at BCP Stand-alone, together with a stronger contribution from Credicorp Capital's Capital Markets business.

| Earnings Release 3Q / 2026

Analysis of 3Q26 Consolidated Results

At the end of 3Q26, Other Core Income as a percent of

2.10% 2.23% 2.31% 2.37% 2.34% 2.39% 2.43%

2,042 1,892

1,118

1,149

489

1,188

average assets stood at 2.43% compared with 2.39% in 2Q26 and 2.31% in 3Q25.

1,690 1,677 1,654

197

395

1,063

352 276

344 377

365

1,025

Fee Income by Subsidiary

1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26

Other Core Income / Avg Assets Other Non-Core Income FX Transactions Fee Income

(1) Correspond mainly to the eliminations of bancassurance between Pacifico, BCP, and Mibanco.

Fee income increased 7.8% QoQ, 20.4% YoY and 17.4% YTD, driven primarily by BCP Stand-alone. Credicorp Capital and the Mibanco operations also contributed to growth, particularly YoY and YTD.

• QoQ, growth was driven primarily by BCP Stand-alone, where fee income increased 10.3%, Credicorp Capital and the Mibanco operations also contributed positively, although to a lesser extent. The drivers of BCP Stand-alone's performance are discussed in the following section.

• YoY and YTD, BCP Stand-alone remained the principal contributor to fee-income growth. Credicorp Capital also reported higher fee income from its Capital Markets and Investment Funds businesses. Within Capital Markets, Sales and Corporate benefited from higher transaction levels amid global market volatility. Mibanco Peru and Mibanco Colombia provided an additional contribution, supported by higher disbursements and the resulting increase in commissions.

Fee Income at BCP Stand-alone

Compositions of Fee Income at BCP Stand-alone (*)

(*) Management figures.

1. Includes fees from credit and debit card activity, payments, Culqi and collections.

2. Beginning in 3Q26, accounting reclassifications associated with Yape's transactional fee expenses have been incorporated. These reclassifications affected Administrative and General Expenses and Fee Income. Figures for prior periods have been restated for comparability and may differ from those previously reported.

3. Corresponds to fees from Account maintenance, interbank transfers, national transfers, and international transfers.

4. Corresponds to fees from retail and wholesale loan disbursements.

5. Use of third-party networks, other services to third parties, and Commissions in foreign branches.

Fee Income at BCP Stand-alone increased 10.3% QoQ, 22.6% YoY and 17.4% YTD, driven by continued transactional growth across core banking businesses and the integration of Culqi's merchant payment platform. Recurring transactional fee growth was mainly attributable to:

• QoQ, growth was driven primarily by Payments and Transactional Services, reflecting higher credit- and debit-card purchase and processed volumes, particularly in July during the World Cup, lower loyalty-program expenses Liability and Transactional Accounts also contributed, through higher interbank and international transfer volumes. Yape maintained its positive momentum, reflecting higher transaction volumes across Checkout, Service payments and Merchant QR Payments. Service Payments benefited from the education enrollment cycle, while Merchant QR Payments were supported by stronger consumption and retail campaigns during the quarter.

• YoY, growth was broad-based. Payments and Transactional Services benefited from higher card activity, network-usage income and services provided to third parties, while Yape´s monetized functionalities continued to expand across its user and merchant ecosystem. Higher transfer volumes and loan origination also supported growth in Liability and Transactional Accounts, Loan Disbursements and associated insurance commissions.

• YTD, growth was led by Yape, reflecting the continued expansion of its monetized functionalities and higher TPV through Yape Business, which translated into higher fee income. Wealth Management and Corporate Finance provided an additional contribution, reflecting greater institutional activity in capital markets.

07

Executive Summary

• QoQ, the IUR increased 25.8% due to (i) Life, where growth was led by Group Life, which reported a drop in claims and a seasonal increase in premiums, and by Credit Life, which reported growth in premiums through Bancassurance (up on the back of loan growth) and Alliances, (ii) Corporate Health, which registered growth in revenues from new accounts and renewals, and (iii) P&C, where Medical Assistance reported an uptick in premiums through the Brokers and Bancassurance channels and a drop in claims.

• YoY, the IUR dropped 6.7% due to the evolution of Life, particularly of D&S, where a base effect was reported for reserve releases for SISCO in 3Q25. This impact was partially mitigated by the positive evolution of P&C, which was driven mainly by Medical Assistance, where premiums were up and claims were down.

• YTD, the IUR fell 11.1%, driven by Life, due to a drop in the result for the D&S line (through the same dynamics seen YoY). This contraction was partially offset by the evolution of Credit Life, Individual Life and Annuities, where the policy base continues to expand through issuances in Bancassurance and Retail, thereby establishing these as a source of structural growth for the business.

The Insurance Underwriting Result comprises three main businesses, each of which plays a differentiated strategic role. The main contributor to the result is Life, where optional insurance products distributed through bancassurance and other Credicorp channels offer key opportunities for growth. P&C's result combines high-growth retail products, which are also distributed through Credicorp channels, with Commercial Lines, which primarily serve corporate clients. Corporate Health, in turn, benefits from its integration with our own network of hospitals and outpatient service centers, which are reported under Medical Services. This integration puts our business in a differentiated position to serve a market where private healthcare remains underdeveloped.

Our primary avenue for growth is retail, given that insurance penetration in Peru remains below the Latin American average. Our goal is to close this gap by distributing Life and P&C products across Credicorp's ecosystem, which includes BCP, Mibanco, and Yape, and by forging alliances with third parties.

Insurance Underwriting Result by Business

1068

186

227

949

388

288

362

3Q25 2Q26 3Q26 Sep 25 Sep 26

Life P&C

Corporate Health Crediseguros

Life Insurance

Credit Life is the main driver of the Insurance Underwriting result in Life, followed by Individual Life. Credit Life products, which are linked to loans, benefit from premiums distributed through bancassurance channels and alliances. Individual Life products are distributed through the same channels and include protection and savings options within the retail segment. The Group Life, D&S, Annuities and Personal Accidents lines are secondary contributors to the evolution of the Life line.

QoQ, the Insurance Underwriting Result rose 22.4%, driven mainly by Credit Life, which reported sustained growth in premium turnover in Bancassurance and Alliances. Group Life's result was bolstered by a drop in claims from Supplementary Insurance for High Risk Occupations (SCTR), while Individual Life continued to register solid results on the back of our strategy to expand placements of optional protection and savings policies in the retail segment.

YoY, the Insurance Underwriting Result dropped 12.6%. This evolution was fueled mainly by D&S, which registered a base effect for releases of claims registered in 3Q25, and secondarily by Group Life, which reported an uptick in claims.

YTD, the Insurance Underwriting Result decreased, driven by inflation-related increases in claims expenses in Group Life (which was offset by the evolution of the Net Interest Income line) and by a drop in claims releases in D&S. The combined impact of the aforementioned drivers was partially offset by Credit Life, which reported growth in premiums in all channels.

P&C Insurance

Personal Lines and Medical Assistance are the main contributors to P&C earnings; Vehicles (Cars and SOAT) are secondary contributors. These businesses benefit from distribution through the bancassurance and broker channels, respectively. Commercial Lines, which serve mainly corporate clients, present different dynamics for claims, premiums, and reinsurance and complement P&C's offerings.

QoQ and YoY, the Insurance Underwriting Result rose +41.2% and +20.9%, respectively, driven by (i) Medical Assistance, which reported an uptick in premiums for indemnity and comprehensive health products and a drop in claims due to IBNR reserve releases, (ii) Personal Lines, which registered growth in sales of Card Protection and Home Insurance policies. The aforementioned was partially offset by the results for Commercial Lines and Vehicles, which were impacted by a drop in premiums due to a reduction in the exchange rate and high competition in the market.

YTD, the Insurance Underwriting Result dropped 0.9% due to the evolution in Commercial Lines and Vehicles, which reported a drop in premiums due to a reduction in the exchange rate and an uptick in claims. The aforementioned was

partially offset by the result for Medical Assistance, which reported growth in sales of individual insurance products and comprehensive health plans.

Corporate Health

The Corporate Health business continued to deliver favorable results, both QoQ and YoY, driven primarily by premium growth, which rose on the back of an expanding customer base and issuances of new accounts for regular and optional plans. In addition, disciplined claims management throughout the year led to a lower claims levels, further supporting earnings growth in the business.

QoQ and YoY, Medical Services Results increased 2.2% and 10.0%, respectively. The improvement in results was driven by

(i) higher sales revenue, in line with an increase in outpatient visits and hospital admissions. This uptick was partially offset by (ii) higher costs, mainly reflecting increases in material costs and medical professional fees.

YTD, results rose 35.8%. When interpreting these results, it is important to note that 1Q26 contemplates three months of reporting, whereas 1Q25 includes only one month because Pacifico Salud was consolidated in March.

The Medical Services business continues to demonstrate solid commercial dynamics and cost control.

▲

2.2%

QoQ

▲

10.0%

YoY

▲

35.8% YTD

3Q25 2Q26 3Q26 Sep 25 Sep 26

Medical Services Result

1. Operating Expenses

   Executive Summary

   • Operating expenses increased 13.6% YTD, driven mainly by core business at BCP and by initiatives in the Innovation portfolio at the Credicorp level.

   • Core business expenses rose primarily through BCP, which was impacted by (i) higher administrative expenses, which increased due to growth in spending for the use of cloud infrastructure and other IT-related services, and (ii) an increase in expenses for Employee salaries and benefits, which rose on the back of initiatives to develop commercial, technological and transactional capacities and through growth in provisions for variable compensation.

   • Expenses for innovation initiatives at the Credicorp level increased 32.5% YTD.

     Total operating expenses

     Operating expenses S/ 000	3Q25	Quarter 2Q26	3Q26	% Change QoQ YoY		Up to Sep 25 Sep 26		% Change Sep 26 / Sep 25
     Salaries and employees benefits	1,341,137	1,475,704	1,548,820	5.0%	15.5%	4,007,293	4,483,945	11.9%
     Administrative and general expenses	1,068,459	1,114,932	1,207,786	8.3%	13.0%	2,904,287	3,384,384	16.5%
     Depreciation and amortization	219,800	235,204	240,861	2.4%	9.6%	636,228	717,433	12.8%
     Association in participation	65	155	124	-20.0%	90.8%	7,235	452	-93.8%
     Operating expenses	2,629,461	2,825,995	2,997,591	6.1%	14.0%	7,555,043	8,586,214	13.6%

     The analysis of expenses will be based on YTD movements to eliminate seasonal effects between quarters. Operating expenses rose 13.6%, driven primarily by:

   • The increase in Administrative Expenses was driven by BCP Stand-alone, Mibanco and Pacifico. In BCP Standalone, transactions through digital channels rose, which generated higher expenses for use of cloud infrastructure and other IT-related services. Mibanco reported an uptick in expenses that was fueled primarily by strategic project roll-outs to develop technological and distribution capacities. At Pacifico, expenses rose due to the company's consolidation of the health business, which began in March 2025.

   • The uptick in Employee Salaries and Benefits, which was driven mainly by: (i) BCP Stand-alone, which registered an increase in hiring associated with projects focused on the development of commercial, technological and transactional capacities and growth in provisions to cover variable compensation, which rose alongside an increase in results; and (ii) Mibanco, where higher expenses were fueled mainly by an uptick in provisions for variable compensation, which was attributable to the positive evolution of results.

     | Earnings Release 3Q / 2026

     Analysis of 3Q26 Consolidated Results

     Administrative Expenses

     Administrative and General Expenses	3Q25	Quarter 2Q26	3Q26	% Change QoQ YoY		Up to Sep 25 Sep 26		% Change Sep 26 / Sep 25
     IT expenses and IT third-party services	336,894	433,286	432,553	-0.2%	28.4%	963,006	1,257,970	30.6%
     Advertising and Loyalty programs	133,510	130,559	153,714	17.7%	15.1%	330,927	407,262	23.1%
     Taxes and contributions	90,710	103,586	109,501	5.7%	20.7%	260,378	323,255	24.1%
     Audit Services, Consulting and professional fees	120,177	89,752	113,650	26.6%	-5.4%	283,335	291,227	2.8%
     Transport and communications	64,565	66,737	67,239	0.8%	4.1%	175,766	182,491	3.8%
     Repair and maintenance	43,719	36,933	45,754	23.9%	4.7%	113,240	111,068	-1.9%
     Agents' Fees	27,807	24,545	23,834	-2.9%	-14.3%	81,976	72,453	-11.6%
     Services by third-party	27,766	29,484	30,682	4.1%	10.5%	75,836	83,594	10.2%
     Leases of low value and short-term	34,858	46,250	38,468	-16.8%	10.4%	102,972	126,047	22.4%
     Miscellaneous supplies	16,993	18,984	14,315	-24.6%	-15.8%	54,568	50,071	-8.2%
     Security and protection	16,888	17,586	17,727	0.8%	5.0%	50,774	53,320	5.0%
     Subscriptions and quotes	20,774	21,542	22,993	6.7%	10.7%	58,877	65,384	11.1%
     Electricity and water	11,390	13,471	12,271	-8.9%	7.7%	34,178	35,919	5.1%
     Electronic processing	8,935	10,903	12,440	14.1%	39.2%	24,332	33,410	37.3%
     Insurance	34,401	(3,152)	10,000	-417.3%	-70.9%	62,561	29,950	-52.1%
     Cleaning	6,474	7,604	7,952	4.6%	22.8%	20,046	22,719	13.3%
     Others	72,598	66,862	94,693	41.6%	30.4%	211,515	238,244	12.6%
     Total	1,068,459	1,114,932	1,207,786	8.3%	13.0%	2,904,287	3,384,384	16.5%

     YTD, administrative expenses rose 16.5%. This uptick was fueled mainly by BCP Stand-alone, which reported higher expenses for IT and IT third-party services, and Advertising and Loyalty programs. Mibanco and Pacifico were secondary contributors to growth.

     Core operating expenses and the Innovation Portfolio

     Operating Expenses (1) S/ 000	3Q25	Quarter 2Q26	3Q26	% Change QoQ YoY		Up to Sep 25 Sep 26		% Change Sep 26 / Sep 25
     Operating Expenses Ex Innovation	2,264,046	2,367,855	2,514,471	6.2%	11.1%	6,520,543	7,215,164	10.7%
     Innovation Portfolio (2)	365,415	458,140	483,120	5.5%	32.2%	1,034,500	1,371,050	32.5%
     Total Operating Expenses	2,629,461	2,825,995	2,997,591	6.1%	14.0%	7,555,043	8,586,214	13.6%

     1. Management figures.

     2. Includes innovation portfolio initiatives in subsidiaries and Krealo.

     YTD, the 13.6% rise in operating expenses was driven mainly by core businesses at BCP Stand-alone and by the innovation portfolio at the Credicorp level. Expenses for innovation portfolio initiatives represented 16.0% of total expenses, ticking up 32.5% YTD, supporting continued growth in risk-adjusted revenues.

     Growth in core business expenses at BCP Stand-alone was fueled by:

   • Core business expenses, excluding IT

     Spending for Employee Salaries and Benefits was up, driven by (i) an uptick in initiatives to develop commercial, technological and transactional capacities, and (ii) an increase in provisions for variable compensation, which rose alongside an uptick in results.

   • Technology expenses (IT)

     Fueled by an increase in spending for licenses and outsourced IT services, driven by increased hiring of specialized personnel.

     | Earnings Release 3Q / 2026

     Analysis of 3Q26 Consolidated Results

     08. Operating Expenses

2. Operating Efficiency

Executive Summary

YTD, the efficiency ratio stood at 45.4% (-26 bps), remaining within the guidance range, as operating income, driven primarily by net interest income, grew at a faster pace than operating expenses, which were associated with BCP's core business and initiatives within its innovation portfolio.

Efficiency ratio (1) reported by subsidiary

(1) Operating expenses / Operating income (under IFRS 17). Operating expenses = Salaries and employee benefits + Administrative expenses + Depreciation and amortization + Association in participation + Acquisition cost. Operating income = Net interest, similar income, and expenses + Fee income + Net gain on foreign exchange transactions + Net gain from associates +Net gain on derivatives held for trading + Net gain from exchange differences + Insurance Underwriting Results + Results for Medical Services

This analysis will be based on YTD movements to eliminate seasonal effects between quarters.

The efficiency ratio evolved as expected and remained within the guidance range, reaching 45.4% (-26 bps). This performance was supported by higher operating revenues, driven by growth in net interest income and other core income, which offset higher expenses associated with the expansion of BCP Individual's core business and investments in Credicorp's innovation portfolio. These investments are aimed at strengthening capabilities, and securing sustainable competitive advantages over the long term.

1. Regulatory Capital

   Executive Summary

   • At the end of 3Q26, the regulatory capital ratio stood at 123%, above the regulatory minimum.

   • The IFRS CET1 ratio at BCP Stand-alone reported a drop of -125 bps YoY to stand at 11.92%, which is above our internal appetite of 11%. This decline was fueled by an increase in risk-weighted assets (RWA) for credit risk, which rose on the back of growth in the retail portfolio. Said growth was offset by an increase in Retained Earnings, which was driven by business expansion.

   • The IFRS CET1 ratio at Mibanco dropped -201 bps YoY to stand at 15.14%, which was above our internal appetite of 15%. This ratio's decline was fueled by an increase in RWAs, which was in turn driven by portfolio growth. The uptick in RWAs was partially offset by an increase in Retained Earnings, which rose on the back of business expansion.

   1. Regulatory Capital at Credicorp Capital analysis of Financial Group.

At the end of 3Q26, the Regulatory Capital Ratio stood

at 123%, above the minimum required. The reduction of 293 bps QoQ was driven by: (i) an increase in capital requirements to cover loan growth at BCP Stand-alone and Mibanco; (ii) a decrease in the balance for subordinated debt, after the execution of a scheduled call of a bond at BCP; and (iii) a drop in unrealized gains driven by the fixed income portfolio. These impacts were partially offset by an increase in retained earnings, which was driven by business expansion.

207%

Capital Coverage Ratios

171%

175%

176%

134%

146%

126%

147%

123%

Sep 25 Jun 26 Sep 26

Regulatory Common Equity Tier 1 Capital Ratio Regulatory Tier 1 Capital Ratio

Regulatory Capital Ratio

YoY, the ratio fell 1141 bps. This evolution was fueled mainly by an increase in regulatory capital requirements and secondarily, by a decrease in Unrealized Profit, both of which were driven by the same dynamics that drove the QoQ results. The reduction in Unrealized gains was offset by an uptick in Reserves, which was driven by earnings capitalization in 2025, and by growth in the balance for Subordinated Debt, which was triggered by issuances at subsidiaries throughout the year.

The dynamics explained, related to the increase of regulatory capital requirements to cover loan growth, the drop in unrealized gains and the increase in retained earnings, also impacted the evolution of the Regulatory Tier 1 ratio, which stood at 147% (+80 bps QoQ, -2458 bps YoY), and the Regulatory CET 1 ratio, which situated at 176% (+82 bps QoQ,

-3187 bps YoY).