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2Q26 CorporatePresentation 2Q26 Corporate Presentation August 2026
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LinesofBusiness Subsidiaries A Leading Financial Services Group in the Andean Region, with Dominant Share in Each of its Businesses in Peru A LeadingFinancialServicesGroupintheAndeanRegion,withDominantShare in EachofitsBusinessesin Peru Net IncomeJun26 S/4,045M TotalAssets Jun 26 S/282,917 M (1) As a percentage to Credicorpʼs Earnings Contribution based on the total of our 8 main subsidiaries: BCP, BCP Bolivia, Mibanco, Mibanco Colombia, Pacifico Seguros, Prima AFP, Credicorp Capital and ASB Bank Corp. (2) BCP Stand-alone in Loans and Deposits in the Peruvian Financial System, as of Jun 2026. (3) Mibanco in Assets in the Microfinance sector, as of Jun 2026. (4) Grupo Pacifico in terms of Net Earned Premiums; Prima AFP in terms of AUMs, both as of Jun 2026. (5) Credicorp Capital SAB in terms of traded volume for equity transactions in the BVL secondary market, as of Jun 2026. Marketposition inPeru NetIncome Contribution1 Countries ofOperations Corporate VentureCapital TotalAssets Contribution UniversalBanking # 1 2 86.3% 80.5% Microfinance # 1 3 8.6% 8.0% # 1 5 2.9%InvestmentManagement &Advisory 3.6% Insuranceand Pensions # 2 4 12.6% 7.8% 22Q26 | Corporate Presentation
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Our Purpose Contribute to improving lives by driving the changes that our countries need. OurPurpose Contributeto improvinglives by drivingthe changes that our countries need. OurVision We are a leading team in Latin America that generates the right impact on society, inspired to deliver innovative financial solutions that improve people’s lives. 2Q26 | Corporate Presentation 3
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Strengthening Core Businesses and Leading in Innovation Through a Unified Digital Ecosystem StrengtheningCoreBusinessesandLeadinginInnovationThrough a Unified Digital Ecosystem Reinforcing Leadership Position of Core Businesses and Operating as a Top Player Leveraging Innovation By anticipating evolving market needs, we continuously optimize our business portfolio, embracing agility and a self-disruptive mindset that drives us to outperform ourselves. ComplementingCore Businesses Witha DisciplinedInnovationPortfolio Acquiring/SMEServices NeobankModel InsurTech Wealth Tech Integrating Digital Capabilities to Improve Efficiency and Enhance Customer Experience Evolving OurMicrofinance Model to Build a More Resilient and Sustainable Business LeveragingProduct Capabilities and Digital Ecosystem for Mass Distribution Consolidating Our Diversified Portfolio and Strategic Transformation 1 2 3 4 42Q26 | Corporate Presentation
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A Disciplined Innovation Portfolio as a Growth Avenue, Targeting a 10% Risk-adjusted Revenue Contribution by 2026 A DisciplinedInnovationPortfolioasa Growth Avenue, Targetinga 10% Risk-adjustedRevenue Contribution by 2026 Yapereaches maturity and exits the innovation portfolio Other relevant initiatives exit the innovation portfolio ~81%of portfolio netrevenueby2026 Andothermid-stage initiatives Investment Appetite ROE ≤-150 bps C / I ≤+350 bps InnovationPortfolio 52Q26 | Corporate Presentation
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Our North Stars Serve as Foundation to Achieve Strong Performance And Driver Our Long-Term Ambitions 6 CustomerExperience Developing new solutions for changing customer needs Growth Penetrating untapped segments Efficiency More cost-efficient and digital distribution 2Q26 | Corporate Presentation
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Why Invest in Credicorp? WhyInvestinCredicorp? 2 ScalinganIntegratedDigitalEcosystem 1 PrioritizingLeadingMarketPositionsinan UnderpenetratedRegionwithClearGrowthAvenues 3 UnlockingSynergiesbyLeveragingShared CapabilitiesAcrosstheEcosystem 4 DeliveringStrong,ResilientReturnsAcross EconomicCycles StrategicPrioritiesAs Anchors Talent SustainabilityInnovation 72Q26 | Corporate Presentation
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Unlocking Financial Access Where Itʼs Needed Most UnlockingFinancialAccess WhereItʼsNeededMost1 PeruʼsSocialIndicators (2025) Poverty (%of Population) 25.7% Economically Active Population (Millionpeople) 26.8 70.2%Informality (%of employed labor force) 50.5%MiddleClass (%of Population) UntappedPotential forFinancialServices inPeru OpportunitiesinPeruʼs UnpenetratedBusinesses (1)Total system -wide balances (Banks and non -bank financial institutions). (2) Measured as average monthly cashless payments val ue. (3) Figures for 2025. Source: Ministry of Production, INEI SMEs Loans As % of GDP 9.1% 7MUnbanked Micro Entrepreneurs 2.5% +9.3% Insurance Penetration3 USD Premiums CAGR 2018 – 2025 Loans1 Deposits1 Cashless2 (%of GDP) Dec 25 Dec 25 2024 35% 39% 28% 42% 44% 34% 56% 54% 46% 84% 65% 72% 82Q26 | Corporate Presentation
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ConsumerLoans1 PaymentsRevenue /MAU(S /)2 Insurance1 Remittances2SMELoans1 BCP Mass Consumers BCP Mass Consumer Loan Clients ~15% . 16Million Anual Revenue Pool (TAM S/) Credicorp 2024 Revenues ~3% ~1,400MillionSME (<S/60K Loans) Balance BCP+Mibanco Market Share ~26% S/26Billion BCP Individual Clients BCP Insured Clients ~12… . +18Million +RiskadjustedNIM +Feeincome GrowthOpportunity Loans Feesand 24.1 OtherIncome 3.1 . Enhancing Financial Access To Support the Expansion of Our Credit Portfolio While Strengthening Fees and Other Income Growth EnhancingFinancialAccess ToSupporttheExpansionof Our CreditPortfolioWhileStrengtheningFeesandOtherIncomeGrowth 1 (1)Data as of June 2025. (2) Data as of December 2024 9 ~12% 2Q26 | Corporate Presentation
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Why Invest in Credicorp? WhyInvestinCredicorp? 2 ScalinganIntegratedDigitalEcosystem 1 PrioritizingLeadingMarketPositionsinan UnderpenetratedRegionwithClearGrowthAvenues 3 UnlockingSynergiesbyLeveragingShared CapabilitiesAcrosstheEcosystem 4 DeliveringStrong,ResilientReturnsAcross EconomicCycles StrategicPrioritiesAs Anchors Talent SustainabilityInnovation 102Q26 | Corporate Presentation
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Digital Ecosystem Expansion Fueling Strong Client Growth and Engagement DigitalEcosystemExpansionFueling StrongClientGrowth andEngagement 2 Numberof BCP Clients1 InMillions MarketShareof Low-CostDeposits (Jun-26) 41.4% +287bpssince 2018 2019 2020 20221 2022 2024 202520232018 17.8 19.7 15.1 12.7 10.89.68.57.4 (1) Including Yape . CredicorpData Marketplace Wealth Management Products Credit Cards and Consumer Loans Neobank Acquiring Business Pension Fund SME Loans Health Insurance 112Q26 | Corporate Presentation
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Strengthening our Ecosystem Through the Virtuous Financial Inclusion Cycle StrengtheningourEcosystemThroughtheVirtuousFinancial InclusionCycle 2 Digital Service Model Lower Cost-to-Serve Expand distribution with all Credicorp and third-party channels HigherValue Experience Deepens relationship More Engagement Increases use MoreAccess &Usage More clients, higher usage Virtuous Cycle of Financial Inclusion (1)Number of financially included clients through BCP since 2020: (i) New clients with savings accounts or affiliated to Yape. (ii) New clients without debt in the financial system or BCP products in the last twelve months. (iii) Clients with three monthly average transactions in the last three months. (2) Includes the direct expense of physical, alternative and digital service channels, annualized and allocated to consumers in the Consumer segment Ambition 6.6M 8.0 M 2025 2028 Financially Included Peruvians¹ 122Q26 | Corporate Presentation BCP Consumer NPS (points) +16 pts 2025 vs 2021
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Source: Management Figures Payments: Monthly Revenue- Generating Transactions per MAU 7.3 10% -60% TAM penetration of main Payments products BCP Yape Fee Income: Payments and Transactional Services (S/ millions) Providing Access to +19 M Clients across Credicorpʼs Ecosystem… Yape: Revenue Growth Fueled by Wider Adoption of New Payment Features and Increased Transaction Volumes 13 Opportunity Ambition WhereWeareSo Far 1,363 90 2023 1,406 332 2024 1,453 1,738 1.2x 3x 2028 2 2Q26 | Corporate Presentation Mar 24 Jun 24 Sep 24 Dec 24 Mar 25 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26
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2 Source: Management Figures Market Share for Loan Disbursements Tickets between S/ 2,000 - S/ 10,000 10% 5.6 +8 Million Pre-Approved Clients Disbursed Clients (million) Yape: Lending Growth Potential Powered by Transactional Data 14 Opportunity Ambition WhereWeareSo Far 2028 Multiply Revenues 3x Pre-approved individual clients 8M 2Q26 | Corporate Presentation Jun 23 Sep 23 Dec 23 Mar 24 Jun 24 Sep 24 Dec 24 Mar 25 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26
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Digital Ecosystem at Work: Unlocking Scalable Growth AcrossBusinesses Digital Ecosystem at Work: Unlocking Scalable Growth Across Businesses 2 BancassuranceEcosystem ProductFactory Tailored Design Experimentation Mindset New Core Technologies APIs as Tech Enablers Mass Distribution LeveragingtheCredicorp Ecosystem 152Q26 | Corporate Presentation
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2 Bancassurance: Leveraging Credicorp'sEcosystem to Capture Growth Opportunities Opportunity 2021 2024 1,567 956 1.6x 3x 2028 Ambition OptionalMandatory WhereWeareSo Far PacificoPremiums (S/ millions) 578 750 817 378 2030 MostProtectedCountryinLatam 2x #Clients 2027 Bancassurance 10% of CredicorpʼsNetIncome PotencialtoAccess +18M Clients InsurancePenetration¹ 2.5% 3.7% 5.3% 16 (1)As of Dec -25. 2Q26 | Corporate Presentation
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2 Opportunity SupplyChainFinance: FactoringPenetration,2024¹ (%of GDP) 2021 2024 3,215 4,006 1,433 306 3,520 5,440 1.5x 6x 2030 SME Factoring WhereWeareSo Far Loans¹:SMEs areleading growthinSCF (S/ millions) 4% 14% 17% +6x Loan Portfolio Confirming+Factoring Seamless digital platform SMEs ERP Integration Data capabilities One-Stop-Shop solution (1) Sources: CAVALI, ACHEF, Asociación Española de Factoring, Management Figures. Ambition 2030 17 Supply Chain Finance: Capturing Growth Potential Across Segments Supply Chain Finance: Capturing Growth Potential Across Segments 2Q26 | Corporate Presentation
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Why Invest in Credicorp? WhyInvestinCredicorp? 2 ScalinganIntegratedDigitalEcosystem 1 PrioritizingLeadingMarketPositionsinan UnderpenetratedRegionwithClearGrowthAvenues 3 UnlockingSynergiesbyLeveragingShared CapabilitiesAcrosstheEcosystem 4 DeliveringStrong,ResilientReturnsAcross EconomicCycles StrategicPrioritiesAs Anchors Talent SustainabilityInnovation 182Q26 | Corporate Presentation
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Parenting Advantage: Using Data, AI, and Risk Management to Build a Scalable Digital Ecosystem ParentingAdvantage:UsingData,AI,andRisk Management toBuilda ScalableDigital Ecosystem 3 Strengtheningtechcapabilities toaccelerategrowth ScalingAItotransform thewayweoperate RiskManagement as competitiveedge Enhancing Customer Experience Boosting Operational Efficiency Enabling Smarter Decisions Accuracy and Speed Alternative Data Sources Cybersecurity Reinforcement Simplify and Modernize One Way of Working “Business-in-a-box” models Centralized Functions Tapping into Start-up Technologies 19 Use cases Use cases 2Q26 | Corporate Presentation
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Technology Investments Drive Scalable Growth and Boost Operating Income TechnologyInvestmentsDrive ScalableGrowthandBoost OperatingIncome 3 BCP:Costper transaction(inS/) BCP:Big8 Uptime( % ) 201920182017 2020 2021 2022 2023 2024 2025 13.7 14.5 15.6 14.7 16.7 16.8 1 9 . 1 20.7 22.4 3.9% 3.8% 4.4% 5.7% 6.2% 7.6% 7.8% 8 . . 3 % 8.5% Cybersecurity Risk (vulnerabilityexposure) -80%2025 vs 20233 Operating Income (S/Billions) ITOPEX (%ofOperating Income) +4.1pp Change since2019 +1.4x -93% -5.3pp 0.03 99.9 0.12 99.6 0.42 94.6 OperatingIncomeandITOpex (As %of Operating Income)1 202Q26 | Corporate Presentation
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Improvement in Risk Capabilities Significantly Benefited Credit Decisions Improvement in Risk Capabilities Significantly Benefited Credit Decisions 3 ReductionTTM inBCPʼs consumerloanmodelTTM¹ (weeks) Increaseinoriginationvolumes forSME digitalproducts (S/ millions) DropinBCP Provisions (S/ millions) Dec -24 Dec-25 16 28 Jun-25 Jun-26 2 724 742 Jun-25 Jun-26 2,621 1,308 -43% 21 +100% -3% 2Q26 | Corporate Presentation (1) Time to Market. (2) Figures for 2026 include the effect of El Niño Phenomenon.
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Why Invest in Credicorp? WhyInvestinCredicorp? 2 ScalinganIntegratedDigitalEcosystem 1 PrioritizingLeadingMarketPositionsinan UnderpenetratedRegionwithClearGrowthAvenues 3 UnlockingSynergiesbyLeveragingShared CapabilitiesAcrosstheEcosystem 4 DeliveringStrong,ResilientReturnsAcross EconomicCycles StrategicPrioritiesAs Anchors Talent SustainabilityInnovation 222Q26 | Corporate Presentation
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Net Income (S/ Millions) Nominal GDP Growth 1,614 1,950 2,080 1,538 3,092 3,515 4,092 3,984 4,265 4,648 4,866 5,501 2010 2011 2012 2013 2014 2016 2017 347 2,388 2024 2025202320222021 3,585 2015 202020192018 NI Growth Credicorp: 11.4% Nominal GDP Growth Perú: 7.0% Credicorp: 17.9% Perú: 5.9% 2010 - 2019 3.0x 1.6x 21.7% 3.9% With Peruʼs Growth Moderating, We Turned Our Focus to Decoupling from the Macro WithPeruʼsGrowth Moderating,WeTurnedOurFocus toDecouplingfromtheMacro 4 6,925 23 2021 - 2025 2Q26 | Corporate Presentation
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Strengthening our Risk-Adjusted Revenue Through Diversification Strengthening our Risk-Adjusted Revenue Through Diversification 4 RevenueStreamsEvolution(S/ Millions) 83 2000 FX Income 19x 1,542 2025 Fees 8x 547 4,200 2000 2025 Insurance 2x 841 2022 1,389 2025 Others1 Insurance FX Income Fees Risk-Adjusted NII 2000 2025202420182006 2012 23% 41% 24% 48% 43% 6% 26% 25% 54% 6% 24% 16% 22% 61% 8% 7% 21% 62% 9% 7% 20.0 17.2 13.0 7.5 3.3 1.7 12x CredicorpRiskAdjustedRevenue:Upward trend reflects resiliencethrough the cycles and diversificationof revenuestreams (S/ Billions) Howdidwedoit? 24 Synergies Data &Analytics Pricing TalentDisruption Data from 2022 onwards under IFRS 17 | (1) Others include: Net Gain from Associates, Net Gain of Derivatives Held for Trading and Net Gain from Exchange Differences. In 2025 we add MedicalServices result 2Q26 | Corporate Presentation
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IndexedTotalShareholderReturn (100=Oct95 PE CO; Jan97 CH; Jun97 BR; Jun09 MX) 7,347% 2,665% 1,658% 1,225% 641% Credicorp ColombianPeers ChileanPeers BrazilianPeers MexicanPeers AverageAnnualizedTSR Perfomance( % ) 12.7% 15.3% 11.4% 4.6% 8.2% 10Y 20Y 15.6% 8.2% 11.3% 5.9% 14.3% 8.6% 30Y Captured and Multiplied the Value of Peruʼs Transformation Delivering Strong Total Shareholder Returns (TSR) CapturedandMultipliedtheValueof PeruʼsTransformation Delivering StrongTotalShareholderReturns(TSR) 4 252Q26 | Corporate Presentation Oct-95 Feb-97 Jun-98 Oct-99 Feb-01 Jun-02 Oct-03 Feb-05 Jun-06 Oct-07 Feb-09 Jun-10 Oct-11 Feb-13 Jun-14 Oct-15 Feb-17 Jun-18 Oct-19 Feb-21 Jun-22 Oct-23 Feb-25 Jun-26 Credicorp Colombian Peers Mexican Peers Chilean Peers Brasilian Peers
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Structural Drivers Supporting a Medium-Term ROE of Around 22% Structural Drivers Supporting a Medium-Term ROE of Around 22% 4 262Q26 | Corporate Presentation A strongfoundationthatenablessustainable, long-termreturnsacross cycles Stronger Risk Management Framework Enhanced Technological Capabilities Sound Governance with Disciplined Capital Allocation OperatingLeverage CoreBusinessesGrowth InnovationPortfolio EcosystemMonetization
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Recap of Key Investment Drivers Recapof KeyInvestmentDrivers 2 ScalinganIntegratedDigitalEcosystem 1 PrioritizingLeadingMarketPositionsinan UnderpenetratedRegionwithClearGrowthAvenues 3 UnlockingSynergiesbyLeveragingShared CapabilitiesAcrosstheEcosystem 4 DeliveringStrong,ResilientReturnsAcross EconomicCycles StrategicPrioritiesAs Anchors Talent SustainabilityInnovation 272Q26 | Corporate Presentation
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StrategicPriorities as Anchors AcceleratingDigital Transformation and Innovationat Credicorp and ItsSubsidiaries Integrating Sustainability, at the Core of OurBusiness Ensuring theBest Talent Througha Compelling Value Proposition 282Q26 | Corporate Presentation
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StrategicPerformanceActivity Financial Performance Confidence Disciplined Innovation Portfolio Management Ensures it is Well-diversified, Aligned with Our Strategic Goals and within Our Financial Limits Disciplined Innovation Portfolio Management Ensures it is Well -diversified, Aligned with Our Strategic Goals and within Our Financial Limits 29 Proper diversification in our prioritized innovation domains ~21% Percentage of initiatives in Horizon 3 2 Right initiative volume and speed, with healthy kill rates ~17 months average time initiatives remain in the PMF stage 1 Return and progress towards North Star, while complying with limits 9.9 % North star contribution (risk-adjusted revenues)3 Measures the overall health of the portfolio based on past performances and future challenges (1) Considers the last 10 initiatives that have gone through the Product Market Fit (PMF) stage, plus those currently delayed. (2) Horizon 3 corresponds to “Transformative tech” initiatives. (3) As of 2Q26. North Star defined as Innovation Portfolio risk-adjusted revenues / BAP total net revenues. (4) As of 2Q26. Includes the most advanced initiatives in PMF stage and all initiatives in Acceleration and escalation stages. Source: Management Figures ~61% of initiatives with high probability of success in their respective stages4 2Q26 | Corporate Presentation
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Our Innovation Strategy Has Clear Goals, Domains and Priorities Our Innovation Strategy Has Clear Goals, Domains and Priorities NorthStar:10%ofBAPʼsrisk-adjusted revenuesby2026 What North Star and goals Where Domains and horizons Examples Portfolio with +45 initiatives 1 Gain and defend marketpenetrationby disruptingourselves before other players do 2 Expand our TAM and cover white spaces 3 Accelerate adoption of key capabilities 30 Horizon1 Close to Core E.g. Payments Horizon2 New value pools E.g Insurtech in Chile & Colombia Horizon3 TransformativeTech E.g Cognitive AI 2Q26 | Corporate Presentation
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Ensuring the Best Talent Through a Compelling Value Proposition Upskilling + Reskilling Learning Chapters: Data & Analytics 2023: 88% of participants significantly enhanced their knowledge Cybersecurity 2024: 66% of participants significantly enhanced their knowledge Artificial Intelligence 2025: 97% significantly of participants enhanced their knowledge (1) Includes roles as Analytics Translator, Data Scientist, Lean Agile Coach, Data Engineer, among others, (2) Employees in IT, D&A, Cybersecurity, Agility, Digital Marketing, CRM, Pricing, Innovation and Strategic Design + 50 0 Employees developed in specialized corporate profiles1 (during 2025) + 3 5 0 % Increase in digital talent2 at BCP (2021 - 2024) 2Q26 | Corporate Presentation 3 1
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FinancialEducation Sustainablefinance FinancialInclusion People financiallyincluded1 (Million) Peopleprotectedthrough inclusiveinsurance (Million) 20232022 1,8 2024 3,0 2025 2022 20232020 2021 0,5 6,6 20252024 Peoplewhoreceivedfinancialeducation2 (thousand, not exhaustive) +US$3.4 billion in sustainable financing disbursements3 2023 2024 2025 214 345 715 115 296 574 272 369 138 423 1,164 Embedding Sustainability at the Core of Our Business Strategy 3 2 (1) Number of financially included clients through BCP since 2020: (i) New clients with savings accounts or affiliated to Yape, (ii) New clients without debt in the financial system or BCP products in the last twelve months, (iii) Clients with three monthly average transactions in the last three months. (2) Includes several training programs: BCP through ABC from BCPʼs Cambio de Comportamiento; Pacifico through Certificates of ABC from Pacífico, Comunidad Segura and Protege 365; Mibanco through Academia del Progreso; Prima through ABC de la Cultura Previsional. (3) The sustainable finance indicator reflects market standards and includes credit disbursements as well as the structuring of products with a sustainable label (social or green). Figure for 2025. 518 2Q26 | Corporate Presentation
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3 3 Financial Inclusion and Education Health insurance & quality healthcare Trust in Credicorp and its Subsidiaries Trust in the Private Sector Support to MSMEs¹ Sustainable Finance Resilience Our Sustainability Strategy 2025 -2030 Finance for the future Inclusion Country vision Trust Impact Plan (1)MSMEs: Micro, Small and Medium Enterprises OurVisionis toContinueGeneratingImpactThroughThreeStrategicPillarswith an Overarching“CountryVision”Approach 2Q26 | Corporate Presentation
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LOB Summary August 2026
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BCP is the #1 Bank in Peru with Unparalleled Customer Reach and Diversified Sources of Revenue 1H26 Assets (S/Millions) 218,335 Loans 1 (S/Millions) 134,207 Portfolio Mix 1 Wholesale Retail Net Income Contribution (S/Millions,%) ROE 28.2% 43% 55% 3,395 76.0% (1)Measured in end-of-period balances, excluding accruals. (2) Average monthly cashless payments value [ 2024 ] %Cashless2/GDP 28 34 46 72 2.6X [ Dec -25] %Deposits/GDP 44 39 54 65 Peru is an Attractive Market to Grow with Financial Products 1.5X 352Q26 | Corporate Presentation
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36 1H26 MAU 1 • 16.7 million Financials E-Commerce • 12 million disbursed loans • 52% of Yape’s Revenue 2 • S/343 million of GMV 3 • 3% of Yape’s Revenue 2 Contribution • 8.9% of Credicorp’s Risk - adjusted Revenue 2 Payments • 139 million bill payments trxs • 45% of Yape’s Revenue 2 (# Monthly Transactions / MAU) 69 10% -60% TAM penetration of main Payments products Lending: Disbursed Clients (million) 5.6 +8 Million Pre-Approved Clients Payments: Monthly Transactions per MAU Yape Builds Long-Term Value Across the Ecosystem, Unlocking Further Growth Opportunities (1) Monthly Active Users. (2) As of 2Q26, Lending represents 28% of Yape’sRevenue. (3) Gross Merchant Volume. 2Q26 | Corporate Presentation Jun 23 Dec 23 Jun 24 Dec 24 Jun 25 Dec 25 Jun 26 Jun 23 Dec 23 Jun 24 Dec 24 Jun 25 Dec 25 Jun 26
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Mibancois the #1 Peruvian Microfinance with a Replicable Business Model in an Untapped Region 1H26 Assets (S/Millions) Loans 1 (S/Millions) Net Income Contribution (S/Millions,%) ROE 19,169 3,546 14,698 2,951 296 50 6.6% 1.1% 21.7% 18.4% (1 )Measured in end-of-period balances. Significant Untapped Potential US$12.8 Bn Microfinance sector size ~12 M M unbankedbusinesses andindividuals (6-8MM served by informal lenders +family / friends) 1.5x Size of the economy vs. Peru ~7 M M unbankedbusinesses and individuals 9 9 %of businesses are Micro and Small +86% of Total employment generated by Micro and Small Businesses Peru Colombia 372Q26 | Corporate Presentation
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The Insurance and Pension Businesses Rank #2 in Premiums and AUMs in Peru, the Fastest Growing and Least Penetrated Market in LatAm 1H26 Assets (S/ Millions) 21,434 1H26 AuMs (S/ Millions) 34,869 78.5% Flow 17.4% Balance 4.1% Voluntary Commissions (S/ Millions) 186.1 Affiliates (Thousands) 2,365 ROE Net Income Contribution (S/ Millions,%) 92.7 2.1% 42.8% Insurance Underwriting Results 1 (S/ Millions) Net Income Contribution (S/ Millions,%) 316.9 417.7 9.4% ROE 18.6% Peru is the highest growing & least penetrated insurance market in Latin America +9.3%2 +6.8%3 +0.5%3 2.5%2 3.7%2 5.3%2 US$ Premium CAGR 19-25 Insurance Penetration (1) Includes Crediseguros. (2) As of Dec 2025. (3) As of Dec 2024. Medical Services (S/ Millions) 257.3 38 2Q26 | Corporate Presentation
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In IM & A, our Diversified Portfolio have Delivered Solid and Sustainable Results ESG Practices Promoting and financing sustainable investments Building long-term relationships based on equality and respect Enhancing our communities’ experience with the financial system WM AuMs (US$ Millions) 27,418 AM AuMs (US$ Millions) 38,768 Net Income Contribution (S/Millions) 118.4 ROE 19.3%1 1H26 Internal Management Figures (includes Credicorp Capital, ASB Bank Corp.,and BCP Private Banking). Capital Markets Leading Positions 35% Wealth Management32% Asset Management 21% % of Credicorp Capital’s 2Q26 Revenues Focus on Recurring & Scalable Business Our Regional Presence Capital Markets (Sales + Trading) #1 #1 Fixed Income Fixed Income & Equity 392Q26 | Corporate Presentation
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2Q26 Quarterly Results August 2026
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2Q26 Key Financial Highlights 2Q26KeyFinancialHighlights TotalLoans1 + 1 3 . 1 % YoY NPLRatio 4 . 1 % -91bpsYoY CoR 1 . 9 % +24bpsYoY 1 LoanGrowth WithLowerNPLs NII +13.3% YoY Low-Cost Deposits2 62.4%of FundingBase +520bpsYoY NIM 6.6% +21bpsYoY 2 FundingMixSupports NIMExpansion FeeIncome +15.9% YoY GainsonFX Transactions +29.8% YoY Ins.UnderwritingResults -1 7 . 9 % YoY 3 OtherCore Income BoostsRevenueGrowth 1 1 . 7 % -86bps YoY 15.9% -83bps YoY CET14 76.3%Universal Banking 3.4%Investment Management&Advisory 12.2%Insurance&Pensions 8 . 1 %Microfinance EarningsContributions3 4 DiversifiedEarnings andSolidCapitalBase (1)Measured in quarter-end balances. (2) Includes demand deposits and savings deposits. (3) %Earnings Contribution based on the total of our 8 main subsidiaries: BCP, BCP Bolivia, Mibanco, Mibanco Colombia, Pacifico, Prima AFP, Credicorp Capital and ASB Bank Corp. (4) CET1 Ratio calculated under IFRS accounting. 2Q26 | Corporate Presentation 41
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2Q26: Strong Domestic Demand and Renewed Confidence Ahead of New Administration 2Q26:StrongDomesticDemandandRenewedConfidenceAheadofNewAdministration GDPand DomesticDemandGrowth (YoY%change)1 High-FrequencyEconomicIndicators2Q26 (YoY%change)2 (1)Source: BCRP and estimate from BCP Econ. Research Department. (2) Sources: SUNAT, Asocem, BCRP, etc. (3) Source: BCRP. (*) Apr/May-26. (**)In real terms, adjusted for inflation. 15 34 18 43 22 44 57 Domestic VAT revenue Domestic cement consumption Terms of Trade* Capital goods imports Heavy-duty vehicles sales Light-vehicle sales Transactions with BCP cards** 12mInvestmentExpectations (pessimistic <50 <optimistic)3 1.9 5.0 2.9 6.0 6.2 5.6 6.0 4.8 6.6 1.5 3.9 4.1 4.4 4.1 2.8 3.8 3.2 3.5 3.0 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 5.0 2Q26E GDPDomestic Demand 6770 65 60 55 50 45 40 35 3Q13 1Q14 3Q14 1Q15 3Q15 1Q16 3Q16 1Q1 7 3Q17 1Q18 3Q18 1Q19 3Q19 1Q20 3Q20 1Q2 1 3Q21 1Q22 3Q22 1Q23 3Q23 1Q24 3Q24 1Q2 5 3Q25 1Q2 6 Jul-26 2Q26 | Corporate Presentation 42
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GDP (YoY%change)2 Higher Oil Prices Add Inflation Pressures as Central Banks Await Clearer Signals HigherOilPricesAddInflationPressuresas CentralBanksAwaitClearerSignals 2025 2024 2026E ChileUS 2.6 1 . 1 2.3 2.4 Peru 3.23.43.5 2 . 1 2.8 Colombia 1.5 2.6 2.5 U.S. 12.00 Peru Colombia Chile (1)Source: Forecasts from BCP for Peru, Credicorp Capital for Colombia and Chile, and IMF for the US. (2) Source: Bloomberg. (3) Source: Central Banks. InflationCPIRates (YoY%change)2 3.5 3.4 6.0 4.1 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26 Jul26 CentralBankPolicyRates ( % ) 3 4.50 4.25 3.75 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26 Aug26 2Q26 | Corporate Presentation 43
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Universal Banking: Sustained Returns Driven by Loan Growth, Transactional Income and Risk Discipline UniversalBanking:SustainedReturnsDrivenbyLoanGrowth, TransactionalIncomeandRiskDiscipline Risk-AdjustedNIMandCost of Risk (%) ROE1 30.9% 30.5% 29.2% 2Q25 1Q26 2Q26 Loans2 S/Million 120,999 128,142 2Q25 1Q26 2Q26 134,207 Efficiency Ratio3 38.0% 38.6% NIM 6.0% 6.0% 6 . 1 % BCPʼs Drivers 6M25 6M26 1 . 3 % 1 . 2 % 5.0% 1 . 3 % 1.4% 5.2% 5.2% 5.2% 0.8% 5.5% 1.4% 5.2% Risk-adjusted NIM Cost of Risk OtherCoreIncome3 /AverageTotalAssets (%) 2Q261Q264Q253Q252Q251Q25 3Q25 2Q261Q264Q251Q25 2Q25 2.31% 2.57% 2.56%2.59% 2.52% 2.48% (1)Earnings contribution / Equity contribution. (2) Measured in quarter-end balances. (3) Includes Fee Income and Gains on FX Transactions. 2Q26 | Corporate Presentation 44
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(1) Effective on 2021, local GAAP require financial institutions to include the non-revolving line usage from credit cards into the Consumer segment. For comparative purposes between competitors and segments, the market share of the Credit Card segment is now fully included in the Consumer market share. Source: SBS and ASBANC 30% Dec 22 SME - Business Mortgage Consumer and Credit Cards (1) Wholesale TotalLoans (%) BCP BBVA Peru Scotiabank Peru Interbank 29% Dec 23 29% Dec 24 SME - Pyme BCP, Leading the Market Across Loan Products 36% 20% 20% 11% 37% 18% 19% 12% 38% 19% 16% 13% 37% 20% 14% 14% 38% 20% 13% 14% 38% 21% 13% 14% 29% Dec 25 33% 26% 14% 14% 32% 23% 17% 15% 32% 24% 17% 15% 32% 25% 16% 15% 33% 26% 15% 16% 33% 26% 15% 15% 35% 31% 13% 6% 36% 34% 11% 7% 34% 35% 11% 7% 34% 35% 10% 9% 35% 34% 11% 10% 36% 35% 11% 9% 18% 11% 7% 2% 19% 13% 6% 3% 20% 12% 6% 2% 20% 10% 5% 2% 20% 10% 5% 2% 20% 10% 5% 3% 20% 9% 13% 18% 20% 12% 12% 18% 20% 14% 12% 18% 20% 15% 12% 19% 20% 17% 12% 19% 22% 17% 11% 18% 29% Dec 19 45 2Q26 | Corporate Presentation 30% Jun 26
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BCP Continues to be the Undisputable Market Leader Across Deposits 46 Source: SBS and ASBANCSource: SBS and ASBANC TotalDeposits (%) Savings Deposits Demand Deposits BCP BBVA Peru Scotiabank Perú Interbank Time Deposits 33% Dec 22 32% Dec 23 32% Dec 24 Severance Indemnity Deposits 33% Jun 26 13% 14% 39% 20% 11% 16% 41% 19% 11% 15% 41% 19% 9%14% 41%38% 9%14% 42% 18% 8%14% 38% 20% 12% 15% 37% 20% 12% 16%21% 19% 22% 19% 12% 42% 22% 14% 11% 41% 22% 14% 12% 40% 23% 14% 10% 36% 24% 15% 10% 40% 24% 15% 9% 41% 25% 13% 10% 44% 21% 15% 10% 39% 16% 7% 9% 34% 15% 6% 8% 34% 14% 6% 8% 33% 13% 5% 8% 34% 14% 5% 8% 34% 14% 5% 8% 33% 15% 7% 9% 33% 15% 6% 9% 34% 11% 18% 14% 10% 9% 18% 16% 10% 11% 19% 16% 10% 12% 19%18% 9%12% 19% 15% 10% 13%14% 13% 12% 12% 15% 9% 10% 10% 15% 11% 15% 30% Dec 19 Demand Deposits BCP BBVA Peru Scotiabank Perú Interbank 2Q26 | Corporate Presentation 33% Dec 25
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Payments Revenue Generating Trxs(million) 257 337 364 2Q25 1Q26 2Q26 YapeʼsRisk-Adj. RevenueShare 53% 47% 45% Lending Disbursed Clients (million) 3.9 5.7 6.4 2Q25 1Q26 2Q26 YapeʼsRisk-Adj. RevenueShare 19% 23% 28% LoanPortfolio (S/ million) Yape1: Scaling Profitability with Growing Lending and Ecosystem Contribution Yape1: ScalingProfitabilitywithGrowingLendingandEcosystemContribution (1)Management Figures. (2) MAU= Monthly Active Users. Monthly indicators consider the results of the last month of the quarter. 2Q25 3Q25 4Q25 1Q26 2Q26 MonetizationProgress (S/) 5.3% 6.4% 7.2% 8.0% 8.9% Jun25 Sep25 Dec25 Jun26Mar26 6.05.96.1 4.4 5.0 6.5 7.4 9.6 10.3 1 1 . 1 Monthly Expenditures/MAU2Monthly Revenues/MAU2 Credicorpʼs Risk-Adjusted Revenue Contribution 445 585 810 1,143 1,817 +4X 2Q26 | Corporate Presentation 47
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Mibanco Peru: Loan Growth, Improved Asset Quality and Diversified Revenues Drive Strong Results MibancoPeru:LoanGrowth,ImprovedAssetQualityandDiversifiedRevenues DriveStrongResults (1)Earnings contribution / Equity contribution. (2) Measured in quarter-end balances. (3) Management figures as of June 2026. HistoricalNPLRatio (%) 2Q25 1Q26 2Q264Q22 6 . 1 % 6 . 1 % 4.8%4.9% NPL Ratio Low-costFundingandFee+FXIncome 5.5 % 5.4% 4.8 % 5.1%Cost of Risk Risk- AdjustNIM 8.1% 10.3% 11.3% 11.2% Fees+FX ³ (%of Risk-adjusted Revenues) 8.2% +136bpsYoY ROE1 16.3% 21.9% 22.9% 2Q25 1Q26 2Q26 Loans2 S/Million 12,785 14,080 2Q25 1Q26 2Q26 14,698 Efficiency Ratio 52.4% 48.0% NIM 14.4% 14.9% 15.2% MibancoʼsDrivers Low-cost Funding³ (%of TotalFunding) 6.3% +93bpsYoY 6M25 6M26 2Q26 | Corporate Presentation 48
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Grupo Pacifico: Strong Business Fundamentals Continue to Support Profitability at Sustainable Levels GrupoPacifico:StrongBusinessFundamentalsContinuetoSupport Profitability atSustainableLevels GrupoPacificoʼsKeyRevenueDrivers DirectPremiums2 (S/ million) Experience,Efficiency&Growth + 2 0 %YoY OptionalRetailPremiums3 Growth Strengthened retailchannels 3.1M+ ( + 9 . 7 %YoY) IncludedClients4 Expanded insuranceinclusion (1)Earnings contribution / Equity contribution. (2) Management figures. (3) Includes optional direct premiums sold through bancassurance, alliances, e-commerce, telemarketing, and embedded channels. (4) Includes clients with inclusive insurance (less than S/40), belonging to mass segments according to Pacíiico's segmentation. GrupoPacificoʼsNetIncome (S/ millions,%) 2Q261Q262Q25 224225 218 Net Income ROE1 2 1 . 1 % 1 8 . 9 % 1 9 . 1 % 1Q26 1,852 2Q25 1,653 2Q26 1,905 Crediseguro Corporate Health P&C Life 2Q26 | Corporate Presentation 49
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We Maintain our Strong Market Share Across P&C and Health Businesses in the Insurance Industry, While AUMs Market Share Remained Resilient in Pension Funds Industry 50 Insurance Industry Pension Funds Industry Prima AFP Profuturo Integra Habitat 35% 22% 30% 13% 28% 18% 37% 17% 27% 18% 40% 16% 26% 18% 42% 15% 24% 21% 39% 17% 31% 25% 37% 7% 30% 22% 36% 11% 30% 21% 35% 14% 29% 20% 35% 17% 28% 19% 34% 19% Pacifico Rimac Others Dec 19 Dec 23 Dec 24 Dec 25 44% 41% 15% 44% 37% 19% 44% 38% 19% 42% 38% 20% 42% 37% 21% Jun 26 23% 36% 42% 20% 38% 42% 21% 39% 40% 22% 36% 42% 23% 33% 44% 29% 26% 46% 28% 21% 51% 27% 19% 55% 23% 23% 54% 23% 23% 54% HealthP & CLifeCollectionsAUMs 2Q26 | Corporate Presentation
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IM Advisory: Profitability Improves Driven by Structural AUM Growth and a Favorable Trading Backdrop IM&Advisory:ProfitabilityImprovesDrivenbyStructuralAUM Growth anda FavorableTradingBackdrop (1)(Net income from Credicorp Capital, ASB Bank Corp, and BCPʼs Private Banking) / (Net equity from Credicorp Capital, ASB Bank Corp., and Economic Capital assigned to BCPʼs Private Banking). (2) Internal management figures. These figures may differ from the amounts reported in previous quarters due to updates in the scope for comparability purposes. (3) Others include Trust and Security Services and Treasury. WM AUMs2 Jun 25 21,120 27,418 +29.8% Jun 26 Variation AM AUMs2 26,990 38,768 +43.6% IM&AdvisoryDrivers (inUS$ millions) IncomebyBusiness2 (%,S/ millions) Wealth Management Asset Management Capital Markets Others3 308 366 273 90 61 97 41 112 62 100 35 1Q262Q25 2Q26 30 80 57 98 ROE1 15.5% 15.8% 23.5% 2Q25 1Q26 2Q26 512Q26 | Corporate Presentation
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(1)Includes Cash and due from banks; Inter-bank funds; and Cash collateral, reverse repos and securities borrowing. (2) Other Loans includes BCP Bolivia, ASB and Government Programs loans. (3) Includes Repurchase agreements and BCRP instruments. (4) Includes Time deposits, Severance indemnity deposits and Interest payable. (5) Includes Demand deposits and Savings deposits. FundingStructure (S/ millions,%) 189,254 209,717 FundingCost 217,042 57.2% 24.1% 6.4% 5.9% 6.4% 63.9% 20.9% 4.9% 7.0% 3.2% 62.4% 21.1% 5.4% 6.8% 4.3% 2.4% 2.1% 2.2% 1Q262Q25 2Q26 Low-Cost deposits 5 Other deposits4 Bonds and Notes issued Due to banks and correspondents Others3 Interest-Earning Asset (IEA)Structure (S/ millions,%) 231,365 255,522 259,603 Retail + Microfinance Loans Wholesale +Other Loans2 Investments Cash and Others1 8.4% 8.3 % 8.4% 1Q262Q25 2Q26 33.8% 26.0% 22.5% 17.7% 34.4% 26.5% 2Q26 | Corporate Presentation 52 22.3% 16.8% 22.5% 16.1% 35.5% 25.9% YieldonIEA Balance Sheet Momentum Reflects Loan Growth Acceleration and Resilient Funding Dynamics BalanceSheetMomentumReflectsLoanGrowthAcceleration andResilientFundingDynamics Assets Dynamics:LoanGrowthDrivesIEAExpansion, Complementedby HigherInvestmentBalances Liabilities:StrongLow-Cost DepositBase SupportsFundingCost Advantage
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Asset Quality Improves Further; El Niño-Related Provisions Reflect Current Risk Assessment AssetQualityImprovesFurther;ElNiño-RelatedProvisionsReflectCurrentRiskAssessment TotalNPLs1 (S/ millions) Asset QualityImproveson StrongerOriginations andRepayments ProvisioningReflectsHealthyCredit Trends and Current ElNiñoRiskAssessment TotalProvisions3 (S/ millions) NPLRatio BCP Mibanco Others4 Jun 24 Jun 25 Mar 26 Jun 26 6,992 6,524 6,458 8,786 5.0%6.0% 4.3% 4.1% CoverageRatio 109.5% 95.0% 113.8% 117.3% 2.6% 7.5% 3.0% 0.8 % 4.8 % 1.3% 1.4% 5.1% 1.9% 1.2% 5.4% 1.6% Cost of Risk BCP Mibanco Credicorp BCP Mibanco BCP Bolivia Others2 (1)Figures in quarter-end balances. (2) Includes Mibanco Colombia, ASB Bank Corp., and Others. (3) Based on currently available information, approximately S/106 million additional provisions related to El Niño risk were registered in 2Q26. (4) Includes BCP Bolivia, Mibanco Colombia, ASB Bank Corp., and Others 1,093 575 2Q24 2Q26 | Corporate Presentation 53 2Q25 1Q26 2Q26 482 731
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Core Income Growth Supports Efficiency Amid Strategic Investments CoreIncomeGrowthSupportsEfficiencyAmidStrategicInvestments OperatingExpenses (S/ millions) 4,926 5,589 1H25 1H26 Core Business Opex InnovationPortfolio Opex Efficiencyratio (%) +26bps +13.5% 45.6% 1H26 45.3% 1H25 +10.4% CoreIncome (S/ millions) NIM Risk-Adjusted NIM 5,017 5,561 5,774 3,615 1,025 377 3,963 1,149 449 4,097 1,188 489 6.4% 5.4% 6.6% 5.8% 6.6% 5.5% 1Q262Q25 2Q26 + 1 5 . 1 % Net Interest Income Fees FX Transactions CoreIncomeIncreasedDrivenbyMarginExpansion andTransactionalGrowth 2Q26 | Corporate Presentation 54 OperatingExpensesReflectCoreBusinessatBCP andInnovationPortfolioInitiatives 4,256 669 4,698 891
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Strong 1H26 Profitability Supported by Broad-Based Earnings Momentum Strong1H26ProfitabilitySupportedbyBroad-BasedEarningsMomentum (1)Measured in end-of-period balances. FirstHalfResults 20.9% 21.2% 3,600 4,045 1H25 1H26 NetIncomeandROE (S/ millions,%) AnnualResults¹ 2022 2023 2024 20252021 16.8% 16.5% 19.0% 15.8% 13.9% 1 7 . 0 % 20202019 4,866 5,501 6,925 4,648 4,265 1 . 4 % 347 3,585 Net Income ROE 2Q26 | Corporate Presentation 55
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Historical Consolidated Performance Metrics August 2026
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94,3 Credicorp Key Financial Metrics CredicorpKeyFinancialMetrics 4,760 4,648 4,960 4,866 5,623 5,501 16,8% 1.9% 1.8% 5.1% 4.3% 15.8% 2.1% 2.9% 6.0% 4.4% 16.5% 2.2% 2.7% 6.3% 4.8% 94,382 79,533 14,849 15 1,196 94,382 79,496 14,886 25 1,994 94,382 79,434 14,948 46 3,668 148,626 148,172 144,976 144,273 145,732 142,550 47.5% 4.4% 46.1% 3.7% 45.0% 3.8% 10.0% 12.6% 14.4% 13.1% 13.2% 17.5% 13.1% 13.3% 18.7% 12.4% 16.5% 14.7% 18.2% 18.4% 20.7% 17.1% 17.5% 19.4% 4.0% 3.1% 5.4% 1.2% 132.5% 97.9% 4.2% 3.2% 5.9% 2.5% 135.1% 97.0% 3.7% 3.0% 5.3% 2.4% 147.4% 104.3% Results Net Income(S/ Millions) Net Income attributable to Credicorp (S/ Millions) 4,352 4,265 ROE 17.0% ROA 2.3% Profitability Funding Cost 2.4% NIM, interest earning assets 5.4% Risk-adjusted NIM 4.3% Loangrowth Quarter-end balances (S/ Millions) 115,610 Average daily balances (S/ Millions) 110,800 Internaloverdue ratio 2.9% Internal overdue ratio over 90 days 2.1% NPL 3.9% Loanportfolioquality Cost of risk 1.6% Coverage of internal overdue loans 155.4% Coverage of NPLs 114.4% Efficiency Efficiency ratio 43.6% Operating expenses / Total average assets 5.0% Tier 1Ratio 11.1% BCP Stand-aloneCapitalRatios Common Equity Tier 1Ratio 12.4% BIS Ratio - Global Capital Ratio 14.5% Tier 1Ratio 12.1% MibancoCapitalRatios Common Equity Tier 1Ratio 15.7% BIS Ratio - Global Capital Ratio 14.5% Issued Shares (Thousands) 94,382 Outstanding Shares (Thousands) 79,510 ShareInformation Treasury Shares (Thousands) 14,872 Dividends per Share (S/) 30 Dividends distribution,net of treasury shares effect (S/ millions) 398,808 SummaryResults 2019 2022 % Change Jun 26/ Jun 252025 Year 2023 2024 UnderIFRS4 UnderIFRS17andnewRegulatoryCapitalRatios 57 7,083 6,925 19.0% 2.6% 2.3% 6.3% 5.3% 149,985 145,850 3.2% 2.7% 4.5% 1.6% 159.3% 112.4% 46.6% 4.0% 13.7% 14.0% 19.4% 17.4% 17.3% 21.3% 94,382 79,366 15,016 40 3,181 12.4% 12.4% 22bps 9 bps -30 bps 31 bps 33 bps 13.1% 8.4% -75 bps -67 bps -91 bps -4 bps 1635 bps 777 bps 27 bps 16 bps -84 bps -86bps -6 bps -16 bps -83bps 100 bps 0.0% 0.1% -0.4% 24.7% 25.1% 2Q26 | Corporate Presentation Jun 25 Jun 26 3,679 3,600 20.9% 2.9% 2.4% 6.3% 5.3% 140,962 145,647 3.6% 3.0% 5.0% 1.6% 151.8% 109.5% 45.3% 3.9% 12.2% 12.6% 17.3% 16.5% 16.7% 19.6% 94,382 79,366 15,016 40 3,181 4,136 4,045 21.2% 2.9% 2.1% 6.6% 5.7% 159,434 157,877 2.8% 2.3% 4.1% 1.6% 168.2% 117.3% 45.6% 4.1% 11.4% 11.7% 17.3% 16.3% 15.9% 20.6% 94,382 79,419 14,963 50 3,979
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(1) Loans in End-of-Period Balances (2) Figures reported under IFRS4. (3) Figures reported under IFRS17 (4) Includes BCP Bolivia, ASB and Mibanco Colombia (3) (3) (3)(2) Loan Mix Shift Towards Retail Drive Risk-Adjusted Margin Growth 47 53 54 54 53 58 49 64 65 70 66 7411 13 12 14 13 15 9 14 15 13 9 13 2019 2023 2024 2025 Jun 25 Jun 26 116 145 146 150 141 159 Others Mibanco BCP - Retail BCP - Wholesale 4.2% 2.5% 6.0% 4.4% 5.9% 3.7% 2.4% 6.3% 4.8% 5.3% 3.2% 1.6% 6.3% 5.3% 4.5% Internal Overdue ratio Cost of Risk NIM Risk Adjusted NIM NPL2.9% 1.6% 5.4% 4.3% 3.9% (4) Loans (1) 58 (3) 2Q26 | Corporate Presentation (3) 3.6% 1.6% 6.3% 5.3% 5.0% 2.8% 1.6% 6.6% 5.7% 4.1%
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Evolution of Assets Structure (S/millions) & ROAAInterest Earning Assets Structure (S/259,604 million as of Jun 2026) Cash and due from banks (June 2026): 16.5% non-interest-bearing 83.5% interest bearing (1) Figures reported under IFRS4. (2) Under IFRS17. Return on Assets Maintains an Upward Trend 15.6% 22.5% 61.4% 0.5% 16.7% 2.3% 3.5% 7.5% 13.2% 17.8% 61.5% 2019 5.2% 12.3% 19.3% 63.1% 2022 6.0% 11.5% 21.9% 60.7% 2023 6.0% 16.1% 21.0% 56.9% 2024 7.9% 16.3% 19.8% 56.1% 2025 187,859 235,414 238,840 256,089 267,363 (2)(1) (2) (2)(2) Cash and due from banks Total Investments Loans Cash collateral, reverse repurchase agreements and securities borrowing Fair value through other comprehensive income investments Fair value through profit or loss investments Amortized cost investments Other Assets Other Interest Earning Assets Total Investments Total Loans 2.0% 2.0% 2.2% 2.6%2.3% 592Q26 | Corporate Presentation 8.9% 15.3% 20.3% 55.5% Jun 25 8.2% 14.8% 20.7% 56.4% Jun 26 254,073 282,917 2.8% 2.8%
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YoY Loan Growth Boosted by an Expansion in Retail Loans and Dynamism on Wholesale Lending, both Supported by a Strong Economy Total Loans by Segment1 (End of Period) (1) Figures measured at End of Period. (2) CAGR calculation is based on figures shown. (3) Includes other assets and accruals. (4) Includes eliminations for intercompany transactions 602Q26 | Corporate Presentation % change 2022 2023 2024 2025 Jun 25 Jun 26 Jun 25 Jun 26 BCP Stand-alone 123,708 119,425 120,571 125,201 0.4% 120,999 134,207 10.9% 85.8% 84.2% 32.9% Wholesale Banking 56,681 53,235 53,525 54,142 -1.5% 53,025 58,148 9.7% 37.6% 36.5% 57.6% Corporate 33,120 31,144 31,388 31,958 -1.2% 30,496 33,545 10.0% 21.6% 21.0% 56.7% Middle - Market 23,561 22,091 22,136 22,184 -2.0% 22,529 24,603 9.2% 16.0% 15.4% 58.8% Retail Banking 64,707 64,220 65,014 69,501 2.4% 66,176 74,081 11.9% 46.9% 46.5% 12.1% SME - Business 8,796 7,780 8,185 8,434 -1.4% 7,692 7,440 -3.3% 5.5% 4.7% 41.9% SME - Pyme 17,475 16,652 16,163 16,735 -1.4% 16,091 18,244 13.4% 11.4% 11.4% 0.9% Mortgage 20,002 20,995 21,838 23,822 6.0% 22,824 24,998 9.5% 16.2% 15.7% 7.4% Consumer 13,150 12,771 12,866 14,074 2.3% 13,446 16,543 23.0% 9.5% 10.4% 14.3% Credit Card 5,284 6,022 5,962 6,437 6.8% 6,124 6,857 12.0% 4.3% 4.3% 16.6% Others (3) 2,320 1,971 2,032 1,558 -12.4% 1,797 1,978 10.0% 1.3% 1.2% - Mibanco 14,089 13,269 12,239 13,607 -1.2% 12,785 14,698 15.0% 9.1% 9.2% 0.1% Mibanco Colombia 1,228 1,737 1,795 2,315 23.5% 1,976 2,951 49.3% 1.4% 1.9% 100.0% Bolivia 9,254 9,402 9,939 7,553 -6.5% 4,189 6,584 57.2% 3.0% 4.1% 100.0% ASB Bank Corp. 2,446 2,150 1,802 1,462 -15.8% 1,559 1,428 -8.4% 1.1% 0.9% 100.0% Others (4) -2,098 -1,007 -613 -153 -58.2% -546 -434 -20.6% -0.4% -0.3% - Total Loans BAP 148,626 144,976 145,732 149,985 0.3% 140,962 159,434 13.1% 100.0% 100.0% 33.9% % Part. in Total Loans% CAGR (2) % Dollarization Level TOTAL LOANS Expressed in S/ million TOTAL LOANS Expressed in S/ million Jun 26 / Jun 25
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Dollarization Fell 9 bps YoY, Mainly Driven by Growth in Retail Loans Evolution of the Dollarization Level of Total Loans1 (%) (1) Figures measured at End of Period. (2) The FC share of Credicorp’sloan portfolio is calculated including BCP Bolivia and ASB Bank Corp, however the chart shows only the loan books of BCP Stand-alone and Mibanco 612Q26 | Corporate Presentation
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Our Low-cost Deposit Base Represents a Key Competitive Advantage *Figures differ from previously reported due to alinement with audited financial statements. Funding Structure (S/209,042 millions as of June 2026) Evolution of Funding Structure (millions) (1) Includes Demand and Saving Deposits. (2) Includes Time Deposits, Severance indemnity deposits, and Interest Payable. (3) Includes Due to Banks and correspondents and Repurchase agreements. (4) Figures reported under IFRS4. (5) Figures reported under IFRS17. 62.4% of total funding were low-cost deposits in Jun-26 Vs. 61.4% in 2025 (5) (5) (5)(4) 83.9% 6.8% 1.9% 2.0% 5.4% 35.6% 38.8% 23.2% 1.9% 0.5% Demand deposits Saving deposits Time deposits Severance indemnity deposits (CTS) Others Total deposits BCRP instruments Repurchase agreements Due to banks and correspondents Bonds and subordinated debt 30.0% 48.9% 8.1% 4.0% 7.9% 25.5% 54.5% 6.6% 3.3% 8.7% 24.9% 56.5% 7.0% 2.3% 22.4% 61.4% 9.2% 2.7%6.9% 6.4% 24.5% 57.2% 7.4% 1.9% 6.8% 21.5% 62.4% 141,995 184,747 198,926 203,346 7.5% 217,042 2019 2023 2024 189,254 Jun 25 Jun 26 3.1% 10.5% 2025 Others BCRP instruments Bonds and notes issued Other Deposits Low-Cost Deposits 2.91% 2.74% 2.31% (5) (1) (2) (3) 2.36% 622Q26 | Corporate Presentation 2.43% 2.13% Funding cost (%) (5)
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(2) Funding Cost Declined Due to Lower Interest Rates and a More Favorable Mix Funding Cost by CurrencyFunding Cost by Subsidiaries (1) Figures reported under IFRS4. (2) Figures reported under IFRS17. 6.70% 3.15% 2.42% 2.91% 2023 6.02% 3.24% 2.22% 2.74% 2024 4.74% 2.51% 1.88% 2.52% 2025(1) (2)(2) (2)(2) (2)(1) (2) 4.24% 3.10% 2.09% 2.36% 2019 2.36% 2.23% 2.51% 2019 0.5 0.6 0.7 0.8 0.9 1.0 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8 1.9 2.0 2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.8 2.9 3.0 3.1 3.2 3.3 3.4 2.91% 3.34% 2.48% 2023 2.74% 2.67% 2.80% 2024 2.31% 2.38% 2.26% 2025 63 (2) Mibanco BCP Bolivia BCP Stand-alone Credicorp Total FC LC 2Q26 | Corporate Presentation 4.93% 2.92% 1.95% 2.44% Jun 25 4.46% 3.78% 1.64% 2.15% Jun 26 0.5 0.6 0.7 0.8 0.9 1.0 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8 1.9 2.0 2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.8 2.73% 2.71% 2.76% Jun 25 2.47% 2.43% 2.52% Jun 26(2) (2)
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The L/D ratio has decreased over the years due to higher low-cost deposits, driven by our comprehensive in our transactional offer Mix of Deposits Deposits by currency 50.7% 49.3% 2019 50.2% 49.8% 2022 50.9% 49.1% 2023 53.2% 46.8% 2024 57.4% 42.6% 2025 LC FC 7.1% 30.5% 31.4% 29.3% 2019 33.0% 37.3% 26.5% 2.6% 2022 32.7% 35.5% 28.8% 2.2% 2023 32.5% 36.9% 27.9% 0.8% 2024 33.5% 39.8% 24.3% 0.6% 2025 112,005 147,021 147,705 161,842 167,209 Demand Saving Deposits Time Deposits Severance indemnity deposits 103.22% 101.09% 98.15% 90.05% 88.02% Loan/Deposit 642Q26 | Corporate Presentation 31.8% 35.6% 38.2% 38.8% 27.4% 23.2% 2.1% Jun 25 1.9% Jun 26 153,953 181,239 54.8% 45.2% Jun 25 55.7% 44.3% Jun 26 91.11% 87.54%
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Dollarization Fell in Low-Cost Deposits Due To a Context of High Liquidity and Improvements in Our Transactional Offerings Breakdown by Deposit Type and currency Loan / Deposit Ratio by currency Local Currency Foreign Currency 50% 47% 46% 58% 61% 63% 46% 53% 57% 73% 77% 79% 50% 53% 54% 42% 39% 37% 54% 47% 43% 27% 23% 21% Jun 24 Jun 25 Jun 26 Jun 24 Jun 25 Jun 26 Jun 24 Jun 25 Jun 26 Jun 24 Jun 25 Jun 26 LC FC 2023 2024 2025 70.3% 4.3% 71.6% 65.6% 2.6% 69.4% 68.7% 1.8% 71.3% Demand Savings Time Severance Indemnity 82.6% 13.9% 81.1% 20192023 2024 2025 120.2% 138.1% 123.7% 105.3% 115.2% 108.2% 96.9% 128.3% 100.4% 123.5% 131.0% 124.8% 2019 BCP Stand-alone Mibanco BAP 652Q26 | Corporate Presentation 106.0% 123.3% 109.7% Jun 25 97.5% 134.2% 102.5% Jun 26 67.1% 2.0% 68.5% Jun 25 66.4% 1.5% 68.8% Jun 26
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Over Half of Credicorp’s Total Deposits Come from Individual Customers, Showing a Steady Increase in Savings Deposits Over Time TotalDeposits Demand Deposits Saving Deposits Time Deposits 50.7% 51.6% 52.5% 55.0% 53.0% 52.3% 49.3% 48.4% 47.5% 45.0% 47.0% 47.7% 2019 2023 2024 2025 Jun 25 Jun 26 96,773 130,058 145,652 154,839 100 100 5.5% 6.1% 8.6% 10.6% 6.9% 7.5% 94.5% 93.9% 91.4% 89.4% 93.1% 92.5% 2019 2023 2024 2025 Jun 25 Jun 26 29,608 43,487 47,651 50,002 100 100 95.4% 95.4% 95.8% 96.1% 95.6% 96.0% 4.6% 2019 4.6% 2023 4.2% 2024 3.9% 2025 4.4% Jun 25 4.0% Jun 26 32,885 49,505 56,907 65,323 100 100 31.1% 41.5% 39.1% 38.3% 39.5% 36.7% 68.9% 58.5% 60.9% 61.7% 60.5% 63.3% 2019 2023 2024 2025 Jun 25 Jun 26 26,383 33,881 38,098 36,321 100 100 Individuals Companies 662Q26 | Corporate Presentation
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Downward Trend in NPL Ratios Mainly Driven by a Positive Economic Backdrop, an Uptick in the Quality of Origination, and Improvements in Risk Management Non-Performing Loans (NPL) Ratio by Segment 2022 2023 2024 2025 13.9% 6.1% 4.1% 5.4% 2.8% 2.9% 14.3% 7.0% 5.2% 5.9% 3.1% 3.1% 12.4% 7.4% 4.8% 5.3% 3.3% 2.5% 11.3% 5.3% 4.2% 4.5% 3.7% 1.6% SME Mibanco Individuals Credicorp BCP Bolivia Wholesale 672Q26 | Corporate Presentation 12.5% 6.1% 4.6%5.0% 3.3% 1.8% Jun 25 10.3% 4.8% 3.5% 4.1% 3.7% 1.6% Jun 26
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Lower Cost of Risk Reflects Improved Payment Performance Across Most Segments and Subsidiaries Evolution of Credicorp’s Cost of Risk by Subsidiary (Total Cost of Risk and Total Loans Coverage Ratio) 4.4% 5.3% 5.7% 5.5% 5.1% Allowance for loan losses/ Total Loans 3.9% 1.5% 1.6% 0.8% 2019 3.6% 1.0% 1.2% 0.6% 2022 6.0% 2.2% 2.5% 0.4% 2023 5.7% 2.1% 2.4% 0.8% 2024 5.1% 1.3% 1.6% 0.2% 2025 68 Mibanco BCP Stand-alone Credicorp BCP Bolivia 2Q26 | Corporate Presentation 5.4% 4.8% 5.1% 1.2% 1.6% 0.5% Jun 25 5.0% 1.1% 1.6% 0.9% Jun 26
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Lower NPL Ratio YoY Due to Debt Repayments From Specific Corporate Clients in Real State Sector Wholesale Banking Collateral level: 27%* *Collateral levels as of Dec 2025. 692Q26 | Corporate Presentation
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NPL Ratio Drop Reflect Better Vintages and Tighter Risk Admission Standards *Collaterallevelsas of Dec 2025. SME – Business Collateral level: 70%* 702Q26 | Corporate Presentation
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Lower NPL Ratio Supported by a Reduction in Structural Risk, Improvements in Vintages, and Lower Default Levels *Collaterallevelsas of Dec 2025. SME – Pyme Collateral level: 32%* 712Q26 | Corporate Presentation
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NPL Ratio Improved Due to Lower Delinquency and Stronger Collection Management *Loan-to-Valueas of Dec 2025. Mortgage Loan-to-Value: 71%* 722Q26 | Corporate Presentation
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Lower NPL Ratio Supported by Better Origination Quality, More Effective Collection Efforts, and Higher System Liquidity Consumer 732Q26 | Corporate Presentation
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NPL Ratio Decreased As NPL Volumes Fell due to Improvements in Originations and Collections Management Mibanco Collateral level: 5%* *Collaterallevelsas of Dec 2025. 742Q26 | Corporate Presentation
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BCP Bolivia’s NPL Ratio Increased by Unfavorable an Unfavorable Macroeconomic Environment BCP Bolivia 752Q26 | Corporate Presentation
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Resilient NIM Bolstered by Lower Funding Cost and a Higher-yielding Mix of Interest-Earning Assets Historical NIM & Risk-Adjusted NIM Historical NIM by subsidiaries Net Interest Income (1) Figures reported under IFRS 4 (2) Figures reported under IFRS17 5.09% 4.29% 2022 6.00% 4.38% 2023 6.29% 4.77% 2024 6.27% 5.28% 2025 (1) (2) (2) (2) Net Interest Margin Risk-adjusted NIM 4.57% 2.75% 13.24% 2022 5.70% 2.90% 13.19% 2023 6.01% 2.99% 13.83% 2024 5.84% 2.03% 14.59% 2025 BCP BCP Bolivia Mibanco (1) (2) (2) (2) (2) 5.40% 4.30% 2019 4.83% 3.63% 14.75% 2019 76 (2) 2Q26 | Corporate Presentation 6.42% 5.44% Jun 25 6.63% 5.49% Jun 26 (2) (2) 6.00% 2.57% 14.38% Jun 25 6.13% 2.94% 15.15% Jun 26 (2) (2) Net interest income S/ Millions 2019 2023 2024 2025 2T25 2T26 LC FC Interest income 12,382 18,798 19,869 2,580 647 674 72% 28% Interest expense 3,290 5,861 5,754 2,381 541 566 50% 50% Net interest income 9,092 12,938 14,115 199 106 109 79% 21% Net provisions for loan losses 1,846 3,622 3,519 2,406 575 731 Risk-adjusted Net interest income 7,246 9,316 10,596 -2,207 -469 -622 % As of Jun 26% change 27.1% 32.7% IFRS 4 2.6% 4.5% 4.2% 2T26 / 2T25 IFRS 17
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Strong Fee Income and FX Gains Highlight the Consistent Execution of Our Diversification and Decoupling Strategy Other Income (S/ Millions) (1) Beginning in 1Q25, accounting reclassifications have been incorporated affecting Fee Income, Net Gain on Foreign ExchangeTransactions, and Net Gain on Derivatives Held for Trading. Prior periods have been restated for comparability and may differ from previously reported figures. (2) Figures reported under IFRS 4. (3) Figures reported under IFRS 17. (4) Others includes Net gain on securities, Net gain from associates, Net gain on derivatives held for trading, Net gain fromexchange difference, Other non-financial income Fee income Net gain on foreign exchange transactions Others (3) (3) (3)(2) (3) 4 1 19% 15% 66% 2019 7% 21% 72% 2022 17% 16% 67% 2023 16% 22% 62% 2024 16% 23% 62% 2025 4,902 5,066 5,656 6,112 6,821 772Q26 | Corporate Presentation 16% 22% 61% Jun 25 18% 24% 58% Jun 26 1,677 2,043
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Efficiency Remains on Track Within Guidance, While Investing for Future Competitiveness (1) Includes Net earned premiums, Net gain on foreign exchange transactions, Net gain from associates, Net gain on derivatives an d Result on Exchange difference. (2) Other operating expenses includes Depreciation and amortization, Association in participation and Acquisition cost. (3) Figures reported under IFRS 4. (4) Figures reported under IFRS 17 (*) Figures differ from previously reported due to alignment with audited financial statements. Operating Income and Expenses (S/ Million) Fee income and other operating income (1) Net interest income Salaries and employes benefits and administrative expenses Other operating expenses (2) Efficiency ratio 87% 13% 92% 8% 92% 8% 91% 9% 91% 9% 91% 9% -6,609 -8,781 -9,310 -10,427 -4,926 -5,589 (4) (4)(3) (4) (4) -18.0 -17.5 -17.0 -16.5 -16.0 -15.5 -15.0 -14.5 -14.0 -13.5 -13.0 -12.5 -12.0 -11.5 -11.0 -10.5 -10.0 -9.5 -9.0 -8.5 -8.0 -7.5 -7.0 -6.5 -6.0 -5.5 -5.0 -4.5 -4.0 -3.5 -3.0 -2.5 -2.0 -1.5 -1.0 -0.5 0.0 41.6% 58.4% 32.1% 67.9% 31.8% 68.2% 34.3% 65.7% 33.9% 66.1% 34.3% 65.7% 15,573 19,056 20,684 22,398 10,870 12,260 2019 2023 2024 2025 Jun 25 78 42.4% 46.1% 45.0% 46.6% 2Q26 | Corporate Presentation 45.3% 45.6% (4)Jun 26
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Efficiency ratio by subsidiary (%) IncomeandExpensesAnnualGrowth(%) Operating Income Operating Expenses 21% 13% 2022 15% 10% 2023 9% 7% 2024 6% 11% 2025 -10 -5 0 5 108% 6% 2019 16% 7% 2022 2% 4% 2023 2% 2% 2024 12% 8% 2025 -10 -8 -6 -4 -2 0 2 4 6 8 10 12 0% 10% 2019 Efficiency Evolution was Driven Mainly by the Core Businesses at BCP Stand-alone, Mibanco and Pacifico, as Well as Our Innovation Portfolio Initiatives 792Q26 | Corporate Presentation 7% 13% Jun 25 13% 15% Jun 26 8% 9% Jun 25 18% 8% Jun 26 BCP Stand-alone BCP Bolivia Mibanco - Peru Pacifico 2019 40.7% 60.0% 53.0% 40.2% 2020 40.9% 87.8% 62.6% 39.0% 2021 43.4% 60.3% 55.4% 35.4% 2022 40.7% 60.9% 51.3% 34.3% 2023 38.8% 61.3% 52.7% 26.5% 2024 38.1% 63.9% 52.7% 27.6% 2025 39.7% 67.8% 50.9% 38.3% Jun 25 38.0% 68.8% 52.4% 34.9% Jun 26 38.6% 60.8% 48.0% 39.8%
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Credicorp’s Capital Position Maintains a Significant Buffer over Regulatory Requirements Compliance with Capital Requirement (S/ Thousands)⁽⁶⁾ Regulatory Capital Requirement Breakdown Jun 26 (1) For a more detailed breakdown of Credicorp’s Regulatory capital, refer to Credicorp’s Quarterly Earning Releases. (2) Tier I = capital + restricted capital reserves + Tier I minority interest - goodwill - (0.5 x investment in equity and subordinated debt of financial and insurance companies)+ perpetual subordinated debt. (3) Tier II = Subordinated debt + Tier II minority interest tier + loan loss reserves - (0.5 x investment in equity and subordinated debt of financial and insurance companies). (4)Tier III = Subordinated debt covering market risk only. (5) Includes: ASB, BCP Bolivia, Edyficar, Solución EAH, AFP Prima, Credicorp Ltd, Grupo Credito, Credicorp Capital and others. (6) Legal minimum = 100% / Internal limit = 105%. 2.05 1.93 1.751.69 1.61 1.461.35 1.35 1.26 Jun 25 Mar 26 Jun 26 Regulatory Common Equity Tier 1 Capital Ratio Regulatory Tier 1 Capital Ratio Regulatory Capital Ratio Capital Coverage Ratios 5 78.14% 6.70% 9.20% 5.96% Grupo Pacífico BCP Stand-alone Mibanco Others ⁽ ⁾ 802Q26 | Corporate Presentation Jun 25 Mar 26 Jun 26 Total Regulatory Capital (A) 39,699,311 45,685,787 44,308,224 Total Regulatory Capital Requirement (D) 29,484,940 33,801,576 35,232,602 Regulatory Capital Ratio (A) / (D) 1.35 1.35 1.26
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E-mail:investorrelations@credicorpperu.com https://credicorp.gcs-web.com/ Contact Information Investor Relations 812Q26 | Corporate Presentation
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2Q26 Corporate Presentation August 2026