Core Points - Credicorp Ltd. will release its 3Q25 earnings on November 13, 2025, after market close [1] - A conference call to discuss the results will take place on November 14, 2025, at 9:30 a.m. Lima time and Eastern Time [1] - Participants are encouraged to pre-register for the webcast to receive a conference passcode and unique PIN [2] - Those unable to pre-register can join the call via provided dial-in numbers [3] - A replay of the webcast will be available for one year on Credicorp's Investor Relations website [3] - Credicorp filed its Annual Report on Form 20-F for the fiscal year ended December 31, 2024, with the SEC on April 25, 2025 [3] - The 2024 Form 20-F includes audited consolidated financial statements under IFRS [3] - Credicorp is a leading financial services holding company in Peru with operations in multiple countries [4] - The company has a diversified business portfolio across four lines: Universal Banking, Microfinance, Insurance & Pension Funds, and Investment Management & Advisory [4] - Credicorp has a presence in Peru, Chile, Colombia, Bolivia, and Panama [4]

Core Viewpoint - IDFC First Bank has overcome the challenges posed by its microfinance portfolio, with expectations for improved net interest margins and steady growth in asset quality and credit costs [1][5]. Financial Performance - The bank's net interest margin (NIM) is currently at 5.59%, with expectations to exceed 5.8% in FY26 as fixed deposits reprice lower [8][13]. - The bank's gross and net NPAs have declined both year-on-year and sequentially, indicating a recovery in asset quality [5][10]. - Special Mention Account (SMA) numbers and slippages have consistently improved over the past six quarters, leading to a reduction in credit costs [2][5]. Deposit Growth - IDFC First Bank's deposit base has increased from ₹40,000 crore in December 2018 to ₹2.7 lakh crore, representing more than a sixfold rise [6][7]. - Annual deposit growth is approximately ₹45,000–50,000 crore, reflecting the trust built with customers [7]. CASA Ratio and Cost of Funds - The bank's CASA ratio remains robust at over 50%, supported by competitive savings rates, with a goal to stabilize it in the 45–50% range [9]. - The easing of deposit costs is expected to contribute positively to NIM and overall income growth [8][13]. Future Outlook - The bank anticipates that its microfinance book will stabilize by Q4 FY25, with growth resuming alongside the broader portfolio thereafter [12]. - The initial assessment of new Expected Credit Loss (ECL) norms and regulatory changes appears favorable, with a marginally positive impact expected [11].

Core Points - Credicorp Ltd. will enter a quiet period for its 3Q25 earnings release starting October 30, 2025, which will last until November 13, 2025 [1] - During the quiet period, the company will refrain from disclosing financial information or commenting on financial results [1] Company Overview - Credicorp is the leading financial services holding company in Peru, with operations in Chile, Colombia, Bolivia, and Panama [2] - The company has a diversified business portfolio organized into four main lines: Universal Banking, Microfinance, Insurance & Pension Funds, and Investment Management & Advisory [2] - Key subsidiaries include Banco de Crédito del Peru (BCP), Mibanco, Grupo Pacifico, and Credicorp Capital [2]

Core Viewpoint - The Peruvian Tax Authority (SUNAT) has cancelled a tax assessment and fine totaling approximately S/ 1.6 billion soles against Credicorp, allowing the company to challenge the resolutions through legal channels while maintaining its commitment to regulatory compliance [2][3]. Group 1: Tax Dispute Update - The total amount of the Tax Assessment Resolutions and Fine Resolutions issued by SUNAT on June 27, 2025, has been cancelled, resolving any potential misperception of outstanding obligations to the Peruvian State [2]. - Credicorp is exercising all legal rights available to challenge the Resolutions and remains confident in a favorable outcome, assessing the contingency as remote [3]. Group 2: Company Overview - Credicorp is the leading financial services holding company in Peru, with operations in Chile, Colombia, Bolivia, and Panama, and has a diversified business portfolio organized into four lines: Universal Banking, Microfinance, Insurance & Pension Funds, and Investment Management & Advisory [4].

Group 1 - Credicorp Ltd. will release its 2Q25 Earnings Report on August 14, 2025, after market close [1] - A conference call to discuss the earnings results will take place on August 15, 2025, at 10:30 a.m. ET [1] - The call will be hosted by key executives including the CEO, CFO, and heads of various divisions [1] Group 2 - Participants are encouraged to pre-register for the webcast presentation to gain immediate access [2] - Those unable to pre-register can dial in using provided toll-free and international numbers [3] - The webcast will be archived for one year on Credicorp's investor relations website [3] Group 3 - Credicorp is a leading financial services holding company in Peru with operations in Chile, Colombia, Bolivia, and Panama [4] - The company has a diversified business portfolio organized into four lines: Universal Banking, Microfinance, Insurance & Pension Funds, and Investment Management & Advisory [4]

Core Viewpoint - Credicorp Ltd. initiates legal action against the Peruvian Tax Administration (SUNAT) for disregarding legal norms and decisions made by SUNAT's Review Committee, which undermines legal certainty for companies operating in Peru [1][4]. Group 1: Legal Action and Tax Dispute - The legal action is in response to SUNAT's reopening of a case regarding transactions from 2018 and 2019, where Grupo Crédito S.A. purchased Banco de Crédito del Perú (BCP) shares from Credicorp Ltd. [2][4]. - SUNAT is seeking over S/. 1.5 billion in alleged unpaid income tax and accrued interest, despite the Review Committee's previous confirmation of the transactions' authenticity and compliance with tax laws [4]. Group 2: Compliance and Regulatory Framework - The transactions were communicated to the Superintendencia del Mercado de Valores (SMV), approved by the Superintendencia de Banca, Seguros y AFP (SBS), and registered with Registro Central de Valores y Liquidaciones (CAVALI), indicating full compliance with legal and regulatory requirements [3]. - Grupo Crédito S.A. reaffirms its commitment to regulatory and tax compliance, emphasizing the protection of its employees, clients, and investors [5]. Group 3: Company Overview - Credicorp is the leading financial services holding company in Peru, with operations in Chile, Colombia, Bolivia, and Panama, and has a diversified business portfolio across Universal Banking, Microfinance, Insurance & Pension Funds, and Investment Management & Advisory [6].