Summary
Credicorp Ltd. (BAP) Q1 2025 Earnings Call Transcript
Credicorp Ltd. (NYSE:BAP ) Q1 2025 Earnings Conference Call May 16, 2025 10:30 AM ET Company Participants Milagros Ciguenas - Investor Relations Gianfranco Ferrari - Chief Executive Officer Alejandro Perez-Reyes - Chief Financial Officer Cesar Rios - Chief Risk Officer Francesca Raffo - Chief Innovation Officer Conference Call Participants Brian Flores - Citibank Renato Meloni - Autonomous Research Tito Labarta - Goldman Sachs Yuri Fernandes - JPMorgan Carlos Gomez-Lopez - HSBC Andres Soto - Santander Operator Good morning, everyone.
Credicorp: Peru's Leading Financial Group, Long Runway For Growth
Credicorp's BCP dominates Peru's banking sector, boasting superior ROE due to its large market share and low-cost deposit base. Peru's economy, driven by commodity exports and largely under-banked, provides a significant runway for banking sector expansion. Credicorp's income mainly stems from banking and insurance, with both divisions showing strong ROE, despite temporary ROE drags from digital initiatives.
Are Investors Undervaluing Credicorp (BAP) Right Now?
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Bapcor Limited Dividends
 BAP In 9 months Estimated | Annual | $10.84 Per Share |
| BAP 2 months ago Paid | Annual | $10.84 Per Share |
| BAP 10 months ago Paid | Other | $2.9 Per Share |
| BAP 17 May 2024 Paid | Annual | $0.94 Per Share |
| BAP 18 May 2023 Paid | Annual | $0.68 Per Share |
| BAP 19 May 2022 Paid | Annual | $0.4 Per Share |
Bapcor Limited Earnings
| 14 Aug 2025 (In 2 weeks) Date | | 5.59 Cons. EPS | - EPS |
| 14 Aug 2025 (In 2 weeks) Date | | 5.04 Cons. EPS | - EPS |
| 16 May 2025 Date | | 5.44 Cons. EPS | 6.06 EPS |
| 10 Feb 2025 Date | | 4.34 Cons. EPS | 3.79 EPS |
| 7 Nov 2024 Date | | 4.57 Cons. EPS | 4.99 EPS |
| BAP In 9 months Estimated | Annual | $10.84 Per Share |
| BAP 2 months ago Paid | Annual | $10.84 Per Share |
| BAP 10 months ago Paid | Other | $2.9 Per Share |
| BAP 17 May 2024 Paid | Annual | $0.94 Per Share |
| BAP 18 May 2023 Paid | Annual | $0.68 Per Share |
| BAP 19 May 2022 Paid | Annual | $0.4 Per Share |
| 14 Aug 2025 (In 2 weeks) Date | | 5.59 Cons. EPS | - EPS |
| 14 Aug 2025 (In 2 weeks) Date | | 5.04 Cons. EPS | - EPS |
| 16 May 2025 Date | | 5.44 Cons. EPS | 6.06 EPS |
| 10 Feb 2025 Date | | 4.34 Cons. EPS | 3.79 EPS |
| 7 Nov 2024 Date | | 4.57 Cons. EPS | 4.99 EPS |
Bapcor Limited (BAP) FAQ
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Bapcor Limited Profile
| Banks - Regional Industry | Financial Services Sector | Gianfranco Piero Dario Ferrari de Las Casas CEO | CXA Exchange | BMG2519Y1084 ISIN |
| PE Country | 38,758 Employees | 19 May 2025 Last Dividend | 16 Apr 2014 Last Split | 25 Oct 1995 IPO Date |
Overview
Credicorp Ltd. is a multifaceted financial institution that has been serving individuals and entities since its foundation in 1889. With its headquarters in Lima, Peru, the company extends its offerings across various segments including financial, insurance, and health services not only within Peru but also on an international scale. Credicorp's mission revolves around providing comprehensive financial solutions through its diversified segments to cater to the evolving needs of its clients, thereby contributing to financial inclusivity and economic growth in the regions it operates.
Products and Services
Universal Banking
This segment caters to both individual and corporate clients, offering an array of financial products and services. These include the provision of credits and financial instruments, alongside a variety of deposit products and checking accounts. The aim is to facilitate seamless banking experiences, fostering economic activities through accessible financial support.
Insurance and Pensions
Credicorp's Insurance and Pensions segment focuses on underwriting a wide range of insurance policies. These policies cover losses related to commercial property, transport, marine vessels, automobiles, life, health, and pensions. Additionally, it offers management services for private pension funds, assisting clients in securing their financial future through prudent risk management and retirement planning solutions.
Microfinance
Targeted towards empowering small and microenterprises, the Microfinance segment is dedicated to the provision of tailored financial solutions such as loans, deposits, and checking accounts. This initiative underscores Credicorp’s commitment to financial inclusion, aiming to stimulate business growth and entrepreneurship at the grassroots level.
Investment Banking and Equity Management
This segment is engineered to cater to the complex financial needs of corporations, institutional investors, governments, and foundations. It includes a spectrum of services such as brokerage, investment management, the structuring and placement of issues in the primary market, negotiation of transactions in the secondary market, along with the structuring of securitization processes for corporate customers. Furthermore, it encompasses the management of mutual funds, thereby providing a comprehensive suite of investment banking solutions tailored to sophisticated investors.
Contact Information
