Credicorp Ltd. (BAP) Q4 2025 Earnings Call Transcript
Seeking Alpha
February 13, 2026
AI-Generated Deep Dive Summary
Credicorp Ltd. (BAP) reported its Q4 2025 earnings on February 13, 2026, during a conference call that included key executives such as Gianfranco Piero Ferrari de Las Casas, Chief Executive Officer, and Alejandro Perez-Reyes, Chief Financial Officer. The company’s EPS of $5.93 fell short of expectations by $0.52, while its revenue of $1.78 billion (up 24.03% year-over-year) also missed estimates by $28.50 million. Despite these figures, Credicorp highlighted strong performance across its core businesses, driven by growth in retail and corporate banking, as well as asset management. The company emphasized its ability to navigate economic challenges through prudent risk management and innovation.
The earnings call provided insight into the financial institution’s strategic priorities, including investments in digital transformation and sustainability initiatives. Francesca Raffo, Chief Innovation Officer, discussed how these efforts aim to enhance customer experience and operational efficiency. Additionally, César Ríos, Chief Risk Officer, underscored the company’s focus on maintaining a strong capital position and robust risk management frameworks to ensure stability amid macroeconomic uncertainties.
Credicorp also highlighted its performance in key markets, with particular strength in Peru and other Latin American countries. The company’s diversified portfolio and geographic reach were cited as critical factors in achieving sustained growth. Analysts from leading financial institutions participated in the Q&A session, focusing on topics such as Credicorp’s competitive positioning, capital allocation strategies, and potential risks in its operating regions.
This earnings call underscores Credicorp’s ability to adapt to changing market dynamics while maintaining a focus on long-term value creation. For investors, the discussion provides valuable insights into the company’s strategic direction and financial resilience. As one of Latin America’s leading financial institutions, Credicorp’s performance continues to play a pivotal role in shaping the region’s financial landscape.
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Originally published on Seeking Alpha on 2/13/2026