Credicorp (NYSE:BAP) 2025 Investor Day October 09, 2025 09:00 AM ET Company ParticipantsCésar Ríos - Chief Risk OfficerFrancesca Raffo - Chief Innovation OfficerGianfranco Ferrari - CEORaimundo Morales - Vice ChairmanLuis Romero - Executive ChairmanRaimundo Morales - CEOAlejandro Perez-Reyes - CFOMónica Rivas - Division Manager of Bancassurance and Credicorp EcosystemsMilagros Cigüeñas - Head of Investor RelationsAndre Resende - CTONone - TranslatorGiovanni Terzano - Head of Products, Digital Channels, and ...

Core Viewpoint - *ST Panda received an administrative regulatory decision from the China Securities Regulatory Commission due to significant discrepancies between its 2024 performance forecast and the annual report, leading to warnings and a commitment to improve information disclosure quality [3][4]. Company Overview - *ST Panda was established on December 12, 1999, with a registered capital of 166 million RMB, and is primarily engaged in fireworks sales, internet financial lending, and small loan issuance [3]. - The company has 14 subsidiaries, including Panda Capital Management Co., Ltd. and several fireworks companies [4]. Financial Performance - The company's revenue for 2022, 2023, and 2024 was 329 million RMB, 228 million RMB, and 324 million RMB, reflecting year-on-year changes of 13.86%, -30.66%, and 41.82% respectively [4]. - The net profit attributable to the parent company for the same years was 90.36 million RMB, -212 million RMB, and -474 million RMB, with year-on-year changes of 25.56%, -335.01%, and -123.42% respectively [4]. - The asset-liability ratios for the years were 20.48%, 25.03%, and 81.18% [4]. Risk Factors - The company has a total of 111 internal risks, 75 external risks, 12 historical risks, and 98 warning risks according to Tianyancha [5].

Core Insights - AML Go (Pty) Ltd, a subsidiary of UPAY Inc., presented at the MicroFinance South Africa (MFSA) Virtual Workshop on FICA Compliance, highlighting its role in AML compliance solutions [1][5] - The workshop attracted over 380 delegates, including compliance officers and representatives from the Financial Intelligence Centre, focusing on practical insights for the credit and microfinance sector [2][3] AML Go's Contributions - AML Go demonstrated its intelligent compliance engine, showcasing how it simplifies regulatory processes for accountable institutions in the microfinance sector [4] - The company emphasizes the importance of technology-enabled compliance tools to meet regulatory standards effectively [3][5] Industry Context - The workshop addressed key areas of the Financial Intelligence Centre Act (FICA), including Risk Management and Compliance Programs, Customer Due Diligence, and employee screening procedures [8] - There is a growing need for automated solutions that can perform client screening, risk profiling, and generate audit-friendly reports [9]