Credicorp .(US:BAP)2025-11-14 14:30Financial Performance Highlights - Credicorp achieved a Return on Equity (ROE) of 19.6%[14] - Risk-Adjusted Net Interest Margin (NIM) increased by 9 basis points compared to 2Q25, reaching 5.5%[14] - The efficiency ratio for 3Q25 was 46.4%[14] - BCP's CET1 ratio stood at 13.17% in September 2025[14] - The coverage ratio was 110.1%[14] Loan Portfolio and Asset Quality - Total loans increased by 1.5% year-over-year[17] - FX Neutral Loan Growth was 7.0% year-over-year[17] - The NPL (Non-Performing Loan) ratio decreased by 105 basis points year-over-year to 4.8%[17] - The Cost of Risk (CoR) decreased by 71 basis points year-over-year to 1.7%[17] Income and Funding - Net Interest Income (NII) increased by 2.7% year-over-year[17] - Low-cost deposits constituted 58.1% of the funding base, an increase of 185 basis points year-over-year[17] - Fee income increased by 8.2% year-over-year[17] - Gains on FX transactions increased by 23.4% year-over-year[17] - Insurance underwriting results increased by 33.1% year-over-year[17] Yape Digital Platform - Yape's lending revenue share increased from 7% in 3Q24 to 20% in 3Q25[44] - Yape disbursed loans to 3.4 million clients in 3Q25[44]