Core Viewpoint - Credicorp Ltd. is set to hold its 2026 Annual General Meeting of Shareholders on March 31, 2026, where the Board of Directors will propose new candidates for election as part of a structured refreshment process aimed at enhancing expertise in technology, AI, and financial governance [1][2]. Board Composition and Nominees - The Board will propose the election of three new directors: María Inés Álvarez (Independent), Juan Paredes Manrique (Independent), and Manuel Romero Valdez (Non-Independent) [3]. - The new nominees are intended to succeed retiring directors Antonio Abruña Puyol, Alexandre Gouvêa, and Patricia Lizárraga Guthertz, while all other current directors will stand for re-election [3][9]. Nomination Process - The nomination process was overseen by the Compensation and Nominations Committee, ensuring compliance with the Company's Bye-laws and Corporate Governance Policies, including independence assessments and conflict-of-interest safeguards [4]. - The Audit Committee will remain composed entirely of independent directors, maintaining robust oversight of financial reporting and risk management [4]. New Director Profiles - **María Inés Álvarez**: A technology executive with over 30 years of experience in AI and cybersecurity, previously at Microsoft, enhancing the Board's oversight of digital transformation [5]. - **Juan Paredes Manrique**: An independent consultant with extensive experience in external audit and regulatory matters, reinforcing financial reporting and compliance oversight [6]. - **Manuel Romero Valdez**: Chairman of Grupo Romero with a background in corporate finance and strategy, contributing to long-term capital allocation and governance [7]. Continuity and Experience - The Board will also propose the re-election of existing directors, including Nuria Aliño Pérez and María Teresa Aranzabal Harreguy, who bring continuity and deep institutional knowledge [8]. - The Board emphasizes maintaining diversity, with women representing one-third of its composition [4]. Dividend Policy Update - The Board approved an update to the Company's dividend policy, maintaining a minimum payout of 25% of consolidated net profits, aligning with regulatory capital considerations [11]. Company Overview - Credicorp is the leading financial services holding company in Peru, with operations in multiple countries and a diversified business portfolio across Universal Banking, Microfinance, Insurance & Pension Funds, and Investment Management & Advisory [12].

Credicorp: Why Invest February 2026 OurPurpose Contribute to improving lives by driving the 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. 4Q25 | Credicorp: Why Invest 2 A Leading Financial Services GroupintheAndean Region,withDominantShare in Each ofitsBusinesses in Peru | | | | | Countries | | | Marketposition | | Net Income | TotalAssets | | --- | ...

Financial Performance - Credicorp Ltd reported a fourth-quarter net profit of $468.8 million, resulting in earnings per share of $5.88 [1] - For the full year, the company generated total profit of $1.94 billion, equating to $24.35 per share, with revenue reaching $6.55 billion [2] Loan Growth and Strategy - The strong financial results were driven by loan growth, particularly from robust retail momentum at BCP, with a target of double-digit growth in core segments [3] - Credicorp management projects loan growth of 8.5%, with net interest margin expected to remain stable in the mid-to-high 6% range [3] Company Focus and Outlook - CEO Gianfranco Ferrari emphasized that the company is entering 2026 in a stronger position than at the end of 2024, focusing on scaling and monetizing its digital ecosystem, expanding inclusion, and accelerating new revenue streams [4] - Credicorp is the largest financial holding company in Peru, providing a comprehensive suite of financial services across Latin America, with a primary focus on universal banking, insurance, and pensions [5]

Core Viewpoint - Emerging market stocks are experiencing a significant rally, driven by optimism surrounding artificial intelligence and increased investment in developing economies [1][2]. Group 1: Market Performance - The iShares MSCI Emerging Markets ETF has risen over 10% year to date, outperforming the S&P 500, which remains flat [2]. - Emerging market stocks rallied approximately 30% in dollar terms in 2025, with strong performance noted in Asian markets such as Taiwan and South Korea due to high demand for AI-related hardware [2][3]. - Goldman Sachs projects the MSCI Emerging Markets index to return nearly 30% in 2026, supported by strong earnings, a weakening US dollar, and favorable macroeconomic trends [3]. Group 2: Future Expectations - Analysts expect some of the favorable conditions from 2025 to continue into 2026, leading to good returns in emerging markets [4]. - The resilience of Chinese exports and the economic benefits from falling commodity prices are anticipated to support the ongoing rally [3]. Group 3: Stock Selection Methodology - The selection of the 10 best emerging market stocks was based on the iShares MSCI Emerging Markets ETF and Yahoo Finance stock screeners, focusing on companies with positive upside potential as of February 17 [6]. - Stocks were ranked according to the number of hedge fund holders, as research indicates that imitating top hedge fund picks can lead to market outperformance [7]. Group 4: Featured Stocks - ZTO Express (NYSE:ZTO) has an upside potential of 6.65% and is supported by a recent upgrade from Macquarie, citing preliminary fourth-quarter volume growth of 9% [9][10]. - Credicorp Ltd. (NYSE:BAP) shows an upside potential of 6.88%, with a fourth-quarter net profit of $468.8 million and a focus on loan growth driven by strong retail momentum [14][16].

Exhibit 99.1 | Earnings Release 4Q / 2025 4Q25 Consolidated Results Table of Contents | Operating and Financial Highlights | | 03 | | --- | --- | --- | | Senior Management Quotes | | 04 | | Fourth Quarter 2025 Earnings Conference Call | | 05 | | Summary of Financial Performance and Outlook | | 06 | | Financial Overview | | 12 | | Credicorp's Strategy Update | | 13 | | Analysis of 4Q25 Consolidated Results | | | | 01 | Loan Portfolio | 18 | | 02 | Deposits | 21 | | 03 | Interest Earning Assets and Funding | ...

Core Viewpoint - Investors are increasingly seeking growth stocks that demonstrate above-average growth potential, particularly in the financial sector, to achieve exceptional returns, although identifying such stocks can be challenging due to their inherent risks and volatility [1] Group 1: Growth Stock Identification - The Zacks Growth Style Score system aids in identifying promising growth stocks by analyzing real growth prospects beyond traditional metrics, with Credicorp (BAP) currently recommended due to its favorable Growth Score and top Zacks Rank [2] - Stocks with a Growth Score of A or B and a Zacks Rank of 1 (Strong Buy) or 2 (Buy) have historically outperformed the market [3] Group 2: Earnings Growth - Credicorp has a historical EPS growth rate of 34.2%, with projected EPS growth of 19.3% for the current year, significantly surpassing the industry average of 13.9% [4] Group 3: Asset Utilization - Credicorp's asset utilization ratio (sales-to-total-assets ratio) stands at 0.12, indicating that the company generates $0.12 in sales for every dollar in assets, which is more efficient than the industry average of 0.05 [5] Group 4: Sales Growth - The company is expected to achieve a sales growth rate of 11.6% this year, compared to the industry average of 4%, highlighting its strong sales growth potential [6] Group 5: Earnings Estimate Revisions - Recent upward revisions in current-year earnings estimates for Credicorp indicate a positive trend, with the Zacks Consensus Estimate increasing by 2.5% over the past month [8] Group 6: Overall Assessment - Credicorp has earned a Zacks Rank of 2 and a Growth Score of B, suggesting it is a solid choice for growth investors and a potential outperformer based on the discussed metrics [10]

Financial Data and Key Metrics Changes - The company closed the quarter with a 16.9% ROE and 19% for the full year, reflecting record high net income and diversification of revenue sources across various segments [16][45] - Net interest income increased by 4.2%, driven by loan portfolio growth and a contraction in interest expenses, resulting in a NIM of 6.6% [20][43] - The NPL ratio stood at 4.5%, indicating improved asset quality, while the cost of risk was 1.8% [19][42] Business Line Data and Key Metrics Changes - In Universal Banking, BCP reinforced its leadership in Peru, serving over 3.2 million loan clients and achieving a full-year ROE of 24.7% [9][25] - Microfinance, through Mibanco, delivered double-digit loan growth and improved profitability, with a NIM of 15.2% [10][34] - The insurance and pensions business, Grupo Pacífico, achieved a solid ROE of 21.4%, with net income rising 13% [36][37] Market Data and Key Metrics Changes - Peru's GDP grew around 3.5% in 2025, supported by strong domestic demand and high commodity prices [6][22] - In Colombia, GDP growth was around 2.7%, while inflation accelerated to 4.51% [8][24] - Chile's GDP also expanded around 2.7%, driven by investment, with inflation slightly above target [8] Company Strategy and Development Direction - The company aims to expand financial inclusion, deepen risk and capital discipline, scale AI and digital platforms, and build trust through operational excellence [13] - A strategic acquisition of Helm Bank for $180 million aims to enhance cross-border capabilities and strengthen the U.S. offering [14][15] - The company plans to continue investing in data transformation and disruptive initiatives to bolster long-term competitive positioning [47] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about Peru's economic stability and growth potential, expecting GDP growth around 3.5% in 2026 [22][46] - The company anticipates total loan growth of approximately 8.5% in 2026, driven primarily by retail banking [46] - Despite local political uncertainties, management believes the fundamentals are in place to support profitability levels [49] Other Important Information - Yape, the company's digital wallet, closed the year with nearly 16 million monthly active users, significantly contributing to revenue growth [12][31] - The company expects non-interest income growth to pick up in the low double digits in 2026, driven by increased activity and diversification efforts [47] Q&A Session Summary Question: Update on political outlook and upcoming elections - Management noted that López Aliaga is leading the polls with 12%, while Keiko Fujimori follows at 8%, with a significant portion of undecided voters [51][53] - The elections for Congress members will occur on April 12, 2026, which is expected to provide more political stability [56][57] Question: Expectations for operating expenses growth - Management indicated that operating expenses are expected to moderate compared to 2025, with a focus on achieving operational leverage from ongoing investments [60][62] Question: Yape's revenue contribution and cost of risk - Yape's lending now represents over 20% of revenue, with a shift towards multi-installment loans expected to maintain controlled provisioning levels [69][71]

Financial Data and Key Metrics Changes - The company closed the quarter with a 16.9% ROE and 19% for the full year, reflecting record high net income and diversification of revenue sources across various segments [18][46] - Net interest income increased by 4.2%, driven by loan portfolio growth and a contraction in interest expenses, resulting in a NIM of 6.6% [21][44] - The NPL ratio stood at 4.5%, indicating improved asset quality, while the cost of risk was 1.8% [21][43] Business Line Data and Key Metrics Changes - In Universal Banking, BCP reinforced its leadership in Peru, serving over 3.2 million loan clients and achieving a full-year ROE of 24.7% [10][27] - Microfinance, through Mibanco, delivered double-digit loan growth and improved profitability, with a NPA ratio of 5.3% [11][35] - Grupo Pacífico in Insurance and Pensions achieved a solid ROE of 21.4%, with net income rising 13% due to the full consolidation of the Banmédica transaction [38][40] Market Data and Key Metrics Changes - Peru's GDP grew around 3.5% in 2025, supported by strong domestic demand and high commodity prices [6][24] - Inflation in Peru closed at 1.5%, the lowest in seven years, while Colombia's inflation accelerated to 4.51% [25][26] - The mining investment pipeline for 2025 was estimated at $64 billion, up 17% from 2024, indicating a favorable investment climate [8] Company Strategy and Development Direction - The company aims to expand financial inclusion, deepen risk and capital discipline, scale AI and digital platforms, and build trust through operational excellence [15] - A strategic acquisition of Helm Bank for $180 million was announced to enhance cross-border capabilities and strengthen the U.S. offering [16][17] - The company expects to continue investing in data transformation and disruptive initiatives to bolster long-term competitive positioning [48] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in Peru's economic stability and growth potential, despite political uncertainties, with expectations for GDP growth around 3.5% in 2026 [24][50] - The company anticipates loan growth of approximately 8.5% in 2026, driven primarily by retail banking and Mibanco [47] - Management highlighted the importance of maintaining sound capital levels and improving operational efficiency, with an expected efficiency ratio between 45% and 46.5% in 2026 [48] Other Important Information - The company reported a risk-adjusted NIM of 5.28%, reflecting improved pricing and risk management capabilities [45] - Yape, the digital wallet initiative, closed the year with nearly 16 million monthly active users, significantly contributing to revenue growth [13][32] Q&A Session Summary Question: Update on political outlook and upcoming elections - Management noted that López Aliaga is leading the polls with 12%, while Keiko Fujimori follows at 8%, with a significant portion of undecided voters [54][55] Question: Expectations for operating expenses growth - Management expects operating expenses to moderate compared to 2025, with continued investments in innovation and core business [61][62] Question: Insights on Yape's lending and cost of risk - Management confirmed that Yape is shifting towards longer-duration loans, which should keep the cost of risk controlled while enhancing revenue [70][73] Question: Growth expectations amid election year - Management indicated that economic activity is performing well, with consumer confidence at its highest since early 2020, suggesting potential upside risks for growth [75][76]

Financial Data and Key Metrics Changes - The company closed the quarter with a 16.9% ROE and 19% for the full year, reflecting record high net income and diversification of revenue sources across various segments [17][21] - Net interest income increased by 4.2%, driven by loan portfolio growth and a contraction in interest expenses, resulting in a NIM of 6.6% [20][44] - The NPL ratio stood at 4.5%, indicating improved asset quality, while the cost of risk was 1.8% [19][43] Business Line Data and Key Metrics Changes - In Universal Banking, BCP reinforced its leadership with over 3.2 million loan clients and strong retail lending growth [9] - Microfinance saw double-digit loan growth and increased profitability, with Mibanco achieving a 20% profitability rate this quarter [10][34] - Grupo Pacífico's ROE was 21.4%, supported by strong commercial dynamics, although net income dropped 1% due to decreased insurance underwriting results [37][38] Market Data and Key Metrics Changes - Peru's GDP grew around 3.5% in 2025, with domestic demand expanding close to 6%, supported by strong commodity prices and investment flows [5][23] - In Colombia, GDP growth was around 2.7%, while inflation accelerated to 4.51% following a minimum wage increase [7][25] - Chile's GDP also expanded around 2.7%, driven by investment, while Bolivia faced a contraction in GDP [7][8] Company Strategy and Development Direction - The company aims to expand financial inclusion, deepen risk and capital discipline, scale AI and digital platforms, and build trust through operational excellence [13] - The acquisition of Helm Bank for $180 million aligns with the strategy to enhance cross-border capabilities and serve affluent clients in the U.S. [14][16] - The company plans to continue investing in data transformation and disruptive initiatives to bolster long-term competitive positioning [48] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in entering 2026 from a stronger position, with expectations of continued economic growth and improved governance [6][23] - The outlook for Peru's GDP growth in 2026 is revised to around 3.5%, with total loan book growth expected to be around 8.5% [46][47] - Despite local political uncertainties, the fundamentals are in place to support profitability levels around 19.5% ROE in 2026 [49] Other Important Information - Yape closed the year with nearly 16 million monthly active users, significantly contributing to the company's risk-adjusted revenue [12][33] - The efficiency ratio for the year stood at 46.6%, with operating expenses growing 12% due to investments in innovation and core businesses [45] Q&A Session Summary Question: Update on political outlook and upcoming elections - Management noted that López Aliaga is leading the polls with 12%, and there is a high level of undecided voters at around 42% [54][56] - The elections are scheduled for April 12, with expectations of a more stable political environment due to the return to a dual chamber system [56][57] Question: Expectations for OpEx growth and digital initiatives - Management expects OpEx growth to moderate compared to 2025, with a target of 42% in cost to income over the mid-term [61] - Non-credit-related revenues are anticipated to grow in the double digits, driven by digital initiatives [64] Question: Yape's lending and cost of risk - The shift towards multi-installment loans is expected to maintain a controlled cost of risk, with risk-adjusted NIM remaining comparable [72] - Management confirmed that digital initiatives are expected to become accretive to ROE starting this year [80]

Safe Harbor 4Q25 Earnings Conference Call February 2026 This material includes "forward-looking statements" within the meaning of Section 27A of the U.S. Securities Act of 1933 and Section 21E of the U.S. Securities Exchange Act of 1934. All statements other than statements of historical fact are forward-looking and may contain information about financial results, economic conditions, trends and known uncertainties. Forward-looking statements are not assurances of future performance. Instead, they are based ...