Exhibit 99.1 Annual and Sustainability Report 2022 1 Annual Report | --- | --- | --- | |--------------------------------------------------------|-------|-------| | Letter from the Chairman of t h e B o a r d | 3 | | | O u r P u r p o s e, Visio n a n d Valu e s | 7 | | | S t a t e m e n t o f r e s p o n sibilit y | 8 | | | C r e dic o r p a t a gla n c e | 9 | | | G r o u p D e s c rip tio n | 1 1 | | | O u r b u sin e s s e s in 2 0 2 2 | 1 8 | | | | | | | E c o n o mic E n vir o n m e n t | 2 1 | | | E c ...

Financial Data and Key Metrics Changes - Credicorp reported a net income growth of almost 30% for the full year, with a return on equity (ROE) of 16.7% [10] - The structural non-performing loan (NPL) ratio edged up to 4.95%, while the structural cost of risk increased by 85 basis points to 2.06% [15][36] - The company maintained a strong capital base and a diversified business portfolio, with a coverage level of 112.2% for structured and non-performing loans [17][36] Business Line Data and Key Metrics Changes - BCP achieved an ROE of 22% for the year, while Mibanco is on track to deliver expected ROEs [11] - Pacifico reached an ROE of 19.2%, showing improvement in its business performance [11] - The investment banking and wealth management business faced challenges, requiring a strategic review to enhance ROEs [11][30] Market Data and Key Metrics Changes - Peru's GDP is expected to grow around 2% in 2023, with social unrest impacting the economic outlook [19][40] - Inflation in the U.S. is trending downward, positively affecting metal prices, which is crucial for Peru's exports [18] - The Central Bank of Peru is likely to maintain high interest rates due to ongoing political and social challenges [19][40] Company Strategy and Development Direction - Credicorp is focusing on sustainability as a core part of its business strategy, aiming to drive financial inclusion and education in the Andean region [7][8] - The company is investing significantly in digital transformation and disruptive initiatives to enhance its competitive position [41] - A strategic review of the investment banking and wealth management business is underway to identify growth opportunities and efficiencies [30] Management's Comments on Operating Environment and Future Outlook - Management expressed concerns about the political turmoil and social unrest in Peru, which pose near-term headwinds [12] - Despite challenges, the company remains optimistic about its ability to navigate volatility and achieve sustainable growth [10][40] - The guidance for 2023 includes expectations for structural loan portfolio growth of 6% to 10% and a return on equity around 17.5% [41] Other Important Information - Yape, a digital payment platform, has over 11 million users, with significant growth in transactional volume [24] - Mibanco's structural NPL ratio dropped to 5% due to write-offs, but profitability decreased due to increased provisions [26] - Grupo Pacifico's net income decreased 25.4% quarter-over-quarter, but showed recovery in the Life and Property & Casualty businesses [28] Q&A Session Summary Question: On operating expenses and digital investment strategy - Management believes the current digital strategy is appropriate and sees a faster path to monetization due to reduced competition [46][47] Question: On asset quality and provision charges - Management indicated that the cost of risk guidance reflects uncertainty in the macroeconomic environment and a shift towards retail lending [49][50] Question: On ROE guidance for 2023 - Management explained that the guidance for ROE at 17.5% considers various factors, including the expected cost of risk and growth in retail lending [52][54] Question: On deposits and funding breakdown - Management discussed the impact of the pandemic on deposit structures and the expected normalization of funding sources, with Yape contributing to deposit growth [71][74]

Credicorp Ltd (NYSE:BAP) Q3 2022 Earnings Conference Call November 4, 2022 10:30 AM ET Company Participants Milagros Ciguenas - Head, IR Gianfranco Ferrari - CEO Francesca Raffo - Chief Innovation Officer Cesar Rios - CFO & Head, Finance Reynaldo Llosa - Chief Risk Officer Conference Call Participants Jason Mollin - Scotiabank Ernesto Gabilondo - Bank of America Merrill Lynch Thiago Batista - UBS Daer Labarta - Goldman Sachs Carlos Gomez - HSBC Sergey Dubin - Harding Loevner Andres Soto - Santander Yuri Fer ...

Financial Performance - Core income increased by 17.5% year-over-year, with a return on equity (ROE) of 19.6%[9] - Net Interest Income (NII) increased by 22.5% year-over-year, and fees increased by 6.6% year-over-year[48] - The Common Equity Tier 1 (CET1) ratio for BCP was 11.8% and for Mibanco was 16.0%[9,48] - Earnings contribution was 75.7% from Universal Banking, 9.9% from Microfinance, 12.5% from Insurance & Pensions, and 1.9% from IB & WM[48] Digitalization and Customer Engagement - BCP's digital clients represent 63% of their client base[9,36] - Digital clients have 2.8 products compared to 1.6 products for non-digital clients[32] - Digital monetary transactions are 19.2 times higher for digital clients compared to non-digital clients[32] - Yape has over 10 million users and aims for 150 billion S/ in annual volume transacted by 2024[43,45] Risk Management and Asset Quality - Structural Non-Performing Loan (NPL) coverage ratio was 113.3%[9] - Structural Cost of Risk (CoR) was 1.22%[9] - Structural loans increased by 10.8% year-over-year[48]

Financial Performance & Strategy - Credicorp's strategy is validated by key 2Q22 indicators and financial performance[8] - Credicorp remains focused on driving sustainable growth, highlighting consolidated profitability and building disruptors[11] - Credicorp is rearming its appetite for strengthening and consolidating leading core businesses[13] - Core income increased by 15% year-over-year[9] - Return on Equity (ROE) reached 16.9%[9] Key Business Units - Banco de Credito del Peru (BCP) standalone contributed 78.9% to earnings[42] with an ROE of 17.8%[43] - BCP's digital clients represent 58% of total clients[9, 43], with digital sales increasing by 37%[43] - Yape has over 9 million users and is evolving into a super app[45] - Microfinance, including Mibanco, contributed 10.5% to earnings[26] - Insurance & Pensions contributed 8.9% to earnings[27] Financial Metrics & Outlook - Structural loans increased by 14.1% year-over-year[25] - Net Interest Income (NII) increased by 18.7% year-over-year[26] - The structural cost of risk was 1.08%[26] - The company anticipates real GDP growth of 2.5% for the year[9]

Credicorp Ltd. (NYSE:BAP) Q2 2022 Results Conference Call August 12, 2022 10:30 AM ET Company Participants Milagros Cigüeñas - IRO Gianfranco Ferrari - CEO Cesar Rios - CFO Francesca Raffo - Chief Innovation Officer Reynaldo Llosa - Chief Risk Officer Diego Cavero - Head, Universal Banking Cesar Rivera - Head, Insurance and Pensions Conference Call Participants Ernesto Gabilondo - Bank of America Jason Mollin - Scotiabank Andres Soto - Santander Alonso Garcia - Credit Suisse Tito Labarta - Goldman Sachs Thi ...

Credicorp Ltd (NYSE:BAP) Q1 2022 Earnings Conference Call May 6, 2022 10:30 AM ET Company Participants Milagros Ciguenas - Head, IR Gianfranco Ferrari - CEO Cesar Rios - CFO & Head, Finance Reynaldo Llosa - Chief Risk Officer Conference Call Participants Ernesto Gabilondo - Bank of America Merrill Lynch Jason Mollin - Scotiabank Daer Labarta - Goldman Sachs Group Carlos Gomez - HSBC Geoffrey Elliott - Autonomous Research Yuri Fernandes - JPMorgan Chase & Co. Olavo Duarte - UBS Alonso Aramburú - BTG Alonso G ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of ...