CREDICORP LTD (BAP) Form 6-K — Nov 10, 2026
Credicorp delivered a strong 3Q26 with net profit attributable of S/1.93 billion, up 11.0% YoY, and a 19.9% ROE supported by 14.8% loan growth and a 6.93% net interest margin. Management reaffirmed its 2026 ROE guidance of around 19.5% and its medium-term ROE target of around 22%, citing stronger loan growth, improving NIM, and robust fee income led by BCP and the Yape platform. Provisions rose 37.4% YoY as the company pre-emptively strengthened El Niño-related reserves and moderated origination in vulnerable consumer and SME segments, though underlying credit trends remained healthy with the NPL ratio at 3.9%.
Key figures
- Eps
- 24.3
- Revenue
- 0
- Guidance
- Reaffirmed 2026 ROE guidance of around 19.5% and medium-term ROE of around 22%
- Net Income
- 1973899000
- Cash Position
- 89345000
- Nim
- 6.93%
- Roe 3q26
- 19.9%
- Npl ratio
- 3.9%
- Loans s000
- 166161042
- Cost of risk
- 2.0%
- Loan growth yoy
- 14.8%
- Efficiency ratio
- 45.1%
- Yape mau millions
- 17
- Yape loans s millions
- 2313
- Innovation revenue share
- 10.7%
- Net profit attributable yoy
- +11.0%
- Net profit attributable 3q26 s000
- 1929411
AI analysis
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.