{"product_id":"credicorp-business-model-canvas","title":"Credicorp Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp Business Model Canvas - Instant Strategic Snapshot + Editable Word \u0026amp; Excel\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore Credicorp's business model at a glance-its value propositions, key customer segments, channels, and revenue drivers-and unlock a ready-to-use, editable Canvas in Word and Excel to customize for benchmarking, investor decks, strategic planning, or regional rollouts across Peru and Latin America.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Strategic Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp sustains strategic alliances with international banks and regional partners to process cross-border transactions and trade finance, supporting Credicorp Capital's presence in Chile, Colombia, and Panama where it served over $4.2bn in client AUM in 2024. By linking with global banks and IFIs, Credicorp enables corporate clients' access to international capital markets and diverse instruments, contributing to a 12% YoY increase in cross-border transaction volume in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Digital Ecosystem Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp partners with fintechs and tech providers to power Yape; by 2024 Yape reached ~14 million users in Peru and processed over US$5.2 billion in annualized TPV (total payment volume), integrating utility bills, mobile top-ups, and e-commerce checkout to boost stickiness.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Reinsurance Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePacifico Seguros, within Credicorp, cedes roughly 25-35% of large industrial and commercial exposure to a panel of global reinsurers, giving capacity for policies exceeding S\/200m and protecting solvency ratios (SBS target \u0026gt;150%) during catastrophes; partnerships include real-time actuarial data sharing and joint risk models that helped keep combined ratios near 94% in 2024, supporting competitive premiums and steady balance-sheet capital.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail and Distribution Affiliates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCredicorp extends reach via retail chains and over 125,000 Agentes BCP (third-party agents) in pharmacies and grocery stores, avoiding branch costs while boosting financial inclusion in remote Peruvian and Andean communities.\u003c\/p\u003e\n\u003cp\u003eThese points handle cash deposits, withdrawals, and bill payments for roughly 6 million monthly transacting customers, forming a primary physical touchpoint that reduced branch cash transactions by about 38% in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e125,000+ Agentes BCP network\u003c\/li\u003e\n\u003cli\u003e~6 million monthly transacting customers (2024)\u003c\/li\u003e\n\u003cli\u003eLocated in pharmacies, groceries, retail chains\u003c\/li\u003e\n\u003cli\u003eSaved branch cash transactions by ~38% in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Regulatory Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCredicorp partners with Peru's SBS (Superintendencia de Banca, Seguros y AFP) and regional central banks via public-private programs to boost financial inclusion-supporting projects that reached ~2.3 million new accounts in 2024 and helped lower unbanked rates by ~1.8 percentage points nationwide.\u003c\/p\u003e\n\u003cp\u003eThese partnerships ensure compliance with evolving Basel III-aligned rules and enable Credicorp's role in national development lending; regulatory engagement supported a CET1 capital ratio of 16.2% at FY2024, aligning growth with macroeconomic policy.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2.3 million new accounts (2024)\u003c\/li\u003e\n\u003cli\u003e-1.8 pp unbanked rate (2024)\u003c\/li\u003e\n\u003cli\u003eCET1 ratio 16.2% (FY2024)\u003c\/li\u003e\n\u003cli\u003eActive SBS \u0026amp; central bank collaboration\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp scales cross‑border finance \u0026amp; Yape to $5.2B TPV, 14M users, $4.2B AUM\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCredicorp leverages banks, IFIs, fintechs, reinsurers, 125k+ Agentes BCP and regulators to scale cross-border finance, Yape payments, insurance capacity and inclusion-driving $4.2bn AUM (Credicorp Capital, 2024), ~14M Yape users, US$5.2bn TPV, 6M monthly transactors, 2.3M new accounts and CET1 16.2% (FY2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCredicorp Capital AUM\u003c\/td\u003e\n\u003ctd\u003e$4.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape users\u003c\/td\u003e\n\u003ctd\u003e~14M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape TPV\u003c\/td\u003e\n\u003ctd\u003e$5.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMonthly transactors\u003c\/td\u003e\n\u003ctd\u003e6M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNew accounts\u003c\/td\u003e\n\u003ctd\u003e2.3M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e16.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, investor-ready Business Model Canvas for Credicorp detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure, and risk factors tied to Peru and regional operations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Credicorp's business model with editable cells to quickly pinpoint banking, insurance, and asset management synergies and relieve strategic alignment pain points.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUniversal Banking Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe core activity is managing Banco de Credito del Peru (BCP), running lending, deposits, and payments while steering liquidity and interest‑rate spreads across a loan book of ~S\/120 billion (2024), with consumer and commercial loans ~65% of total assets.\u003c\/p\u003e\n\u003cp\u003eOperations prioritize high asset quality-NPL ratio 2.1% (2024)-while expanding credit in a recovering Peruvian economy, targeting mid-single-digit loan growth and stable ROE near 15%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Platform Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp invests heavily in continuous development and scaling of digital assets, led by the Yape ecosystem, funding software engineering, UX design, and embedding micro-loans and insurance; Yape had ~10.5M users and processed ~S\/40bn (Peruvian soles) in 2024 transactions, making digital development a primary driver for low-cost transactions and new-customer acquisition.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicrofinance Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThrough Mibanco, Credicorp provides specialized lending and services to micro and small enterprises, using a high-touch credit model that assesses informal cash flows and delivers financial education; Mibanco reported S\/6.2 billion in loans to MSEs in 2024, up 8% YoY. This labor-intensive, high-margin segment (net interest margin ~12% in 2024) differentiates Credicorp from commercial banks and drives client loyalty.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Banking and Asset Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCredicorp Capital runs advisory on M\u0026amp;A, capital markets issuance, and wealth management for HNWIs, generating fee income-2024 fees ~US$320m, with Andean market share ~45% in investment banking advisory in Peru and Colombia.\u003c\/p\u003e\n\u003cp\u003eThese services need advanced market analytics and regional regulatory expertise to deliver bespoke solutions that sustain recurring fee-based revenue.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 fees ~US$320m\u003c\/li\u003e\n\u003cli\u003eAndean IB advisory share ~45%\u003c\/li\u003e\n\u003cli\u003eFocus: M\u0026amp;A, ECM\/Debt, wealth mgmt\u003c\/li\u003e\n\u003cli\u003eRequires market intel + regulatory compliance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpacross credicorp risk management underwrites credit market and operational exposures using portfolio limits stress tests capital models in the group held a cet1 ratio of loan loss provisions pen to absorb shocks.\u003e\u003cpfor pacifico seguros actuarial underwriting sets premiums with loss-ratio targets near while firm-wide ai and analytics cut predicted default-rate error by improving risk-return across its multinational book.\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eGroup CET1 ≈ 14.6% (2024)\u003c\/li\u003e\n\u003cli\u003eLoan loss provisions PEN 4.2bn (2024)\u003c\/li\u003e\n\u003cli\u003ePacifico target loss ratio ~65%\u003c\/li\u003e\n\u003cli\u003eAI reduced default-rate error ~18%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pfor\u003e\u003c\/pacross\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp: Robust 2024 performance-strong CET1, digital scale via Yape, solid ROE\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: run BCP banking (loan book ≈ S\/120bn; NPL 2.1%; target mid-single-digit loan growth; ROE ~15%), scale digital payments via Yape (≈10.5M users; S\/40bn txns 2024), Mibanco MSE lending (S\/6.2bn loans; NIM ~12%), Credicorp Capital fees ≈US$320m (Andean IB share ~45%), group CET1 ≈14.6%; provisions PEN4.2bn.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book\u003c\/td\u003e\n\u003ctd\u003eS\/120bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL\u003c\/td\u003e\n\u003ctd\u003e2.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape users\/txns\u003c\/td\u003e\n\u003ctd\u003e10.5M \/ S\/40bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMibanco loans\u003c\/td\u003e\n\u003ctd\u003eS\/6.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees (Credicorp Capital)\u003c\/td\u003e\n\u003ctd\u003eUS$320m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e14.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe Business Model Canvas previewed here is the actual Credicorp document-you're not looking at a mockup or marketing sample, but a live snapshot of the file you'll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll get this exact, fully editable Business Model Canvas in its entirety, formatted and structured the same way for immediate use in presentations, analysis, or editing.\u003c\/p\u003e\n\u003cp\u003eWe share this preview for transparency: no hidden pages, no placeholders-what you see is what you'll download and own.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Physical and Digital Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp operates ~900 branches, ~45,000 banking agents and ~7,500 ATMs across Peru and Bolivia, paired with digital platforms that handled over 60 million monthly transactions on BCP and 120 million monthly on Yape in 2025; this hybrid footprint drives scale economics and creates a high barrier to entry for digital-only challengers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBCP and Mibanco rank among Peru's top bank brands, with Credicorp reporting 2024 net interest margin of 6.1% and deposits funding 68% of assets, reflecting low-cost funding driven by brand trust; brand strength helped sustain loan growth of 9.5% year-over-year in 2024. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCredicorp employs over 40,000 staff across Peru, Colombia, Chile and the U.S., including financial analysts, 600+ data scientists and specialized credit officers who know local credit cycles; Mibanco's 7,500 field officers (2024) are key to serving 1.8 million microfinance clients and reaching unbanked segments. Continuous training-~120,000 annual training hours group-wide in 2024-and retention programs keep product innovation and digital lending leadership intact.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Data and Analytics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCredicorp holds one of the largest consumer and credit-history datasets in the Andean region-over 25 million customer records and 12 years of transaction history-used with ML models to raise credit-scoring ROC AUC by ~6-10% and lift cross-sell ROI by ~15% in 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e25M+ customer records\u003c\/li\u003e\n\u003cli\u003e12 years transaction history\u003c\/li\u003e\n\u003cli\u003e6-10% AUC lift in scoring\u003c\/li\u003e\n\u003cli\u003e~15% cross-sell ROI gain (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital Base and Liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCredicorp maintains a CET1 ratio of 11.8% and total capital ratio of 17.6% at 2024 year-end, plus US$3.2bn in available liquidity and diversified funding from Peruvian deposits, international bond issuances, and syndicated loans, enabling large-scale lending and regulatory compliance in emerging markets.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCET1 11.8% (YE2024)\u003c\/li\u003e\n\u003cli\u003eTotal capital 17.6% (YE2024)\u003c\/li\u003e\n\u003cli\u003eAvailable liquidity US$3.2bn\u003c\/li\u003e\n\u003cli\u003eFunding: local deposits, international bonds, syndications\u003c\/li\u003e\n\u003cli\u003eSupports lending growth and volatility resilience\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp: 900 branches, 60M BCP \u0026amp; 120M Yape tx\/mo, US$3.2B liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCredicorp's key resources: ~900 branches, ~45,000 agents, ~7,500 ATMs; digital platforms: 60M monthly BCP transactions, 120M Yape (2025); 25M+ customer records, 12 years history; CET1 11.8%, total capital 17.6%, US$3.2bn liquidity (YE2024); 40,000+ employees incl. 600+ data scientists; Mibanco 7,500 officers serving 1.8M microclients.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e~900\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgents\u003c\/td\u003e\n\u003ctd\u003e~45,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\u003c\/td\u003e\n\u003ctd\u003e~7,500\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBCP tx\/month (2025)\u003c\/td\u003e\n\u003ctd\u003e60M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape tx\/month (2025)\u003c\/td\u003e\n\u003ctd\u003e120M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomer records\u003c\/td\u003e\n\u003ctd\u003e25M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 (YE2024)\u003c\/td\u003e\n\u003ctd\u003e11.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLiquidity\u003c\/td\u003e\n\u003ctd\u003eUS$3.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Integrated Financial Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp offers a one-stop-shop covering savings, lending, insurance, wealth and investment banking, letting customers manage finances in one ecosystem; as of 2024 Credicorp reported consolidated net income of US$902 million and total assets of US$64.2 billion, underscoring scale. The integration-notably Banco de Crédito del Perú (BCP) and Pacífico Seguros-reduces friction and cross-sells: 28% of retail customers held products in two+ segments in 2024, boosting revenue per client.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLeadership in Digital Convenience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThrough Yape, Credicorp delivers instant, fee-free mobile payments and lifestyle services, reaching over 10.5 million users in Peru by Dec 2025 and processing ~S\/120 billion in transactions in 2024; the app expands financial inclusion by onboarding previously unbanked users, prioritizing speed, simplicity, and 24\/7 availability for mobile-first consumers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Inclusion for Micro-Entrepreneurs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMibanco delivers tailored credit and savings for informal micro-entrepreneurs, offering flexible terms (avg loan size US$1,200 in 2024) and financial literacy programs that raised client repayment rates to 96% in 2024. By targeting Peru's base of the pyramid-over 2.5 million microenterprises nationally-Mibanco fuels scalable growth while securing a loyal, high-growth customer base.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Expertise in Investment Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCredicorp Capital blends local market knowledge with global investment-banking standards, advising corporate and institutional clients across Peru, Chile, and Colombia; in 2024 Credicorp reported Credicorp Capital revenue of US$612 million, with Andean deals comprising ~42% of origination volume.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDeep local insights + global standards\u003c\/li\u003e\n\u003cli\u003eNavigate Peru, Chile, Colombia regulations\u003c\/li\u003e\n\u003cli\u003ePreferred Andean exposure partner\u003c\/li\u003e\n\u003cli\u003e2024: Credicorp Capital revenue US$612M; 42% Andean deal share\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTrust and Stability in Emerging Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCredicorp offers depositors and long-term insurance policyholders the safety of a well-capitalized bank holding company that has operated across Peru and the region since 1889, with CET1 of 12.8% and consolidated total capital ratio of 18.6% as of 2025, helping clients weather volatile markets.\u003c\/p\u003e\n\u003cp\u003eIts multi-decade record of navigating recessions and a 2024 non-performing loan ratio of 2.9% reinforces Credicorp as a systemic pillar that prioritizes asset security and continuity of coverage.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFounded 1889; regional scale\u003c\/li\u003e\n\u003cli\u003eCET1 12.8% (2025)\u003c\/li\u003e\n\u003cli\u003eTotal capital ratio 18.6% (2025)\u003c\/li\u003e\n\u003cli\u003eNPL ratio 2.9% (2024)\u003c\/li\u003e\n\u003cli\u003eFocus: depositor \u0026amp; long-term policy safety\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp: 10.5M Yape users, US$902M net, US$64.2B assets - strong capital \u0026amp; 96% repayment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCredicorp bundles banking, insurance, wealth and payments (Yape), serving 10.5M Yape users (Dec 2025), consolidated net income US$902M (2024), assets US$64.2B (2024), Credicorp Capital revenue US$612M (2024), Mibanco avg loan US$1,200 and 96% repayment (2024); CET1 12.8% and total capital ratio 18.6% (2025), NPL 2.9% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape users (Dec 2025)\u003c\/td\u003e\n\u003ctd\u003e10.5M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet income (2024)\u003c\/td\u003e\n\u003ctd\u003eUS$902M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets (2024)\u003c\/td\u003e\n\u003ctd\u003eUS$64.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCredicorp Capital rev (2024)\u003c\/td\u003e\n\u003ctd\u003eUS$612M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMibanco avg loan (2024)\u003c\/td\u003e\n\u003ctd\u003eUS$1,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRepayment rate (2024)\u003c\/td\u003e\n\u003ctd\u003e96%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 (2025)\u003c\/td\u003e\n\u003ctd\u003e12.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal capital ratio (2025)\u003c\/td\u003e\n\u003ctd\u003e18.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL ratio (2024)\u003c\/td\u003e\n\u003ctd\u003e2.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Relationship Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp uses dedicated relationship managers for HNW (assets ≥US$1m) and large corporates, delivering bespoke financial planning and investment strategies; in 2024 its wealth-management AUM reached about US$8.2bn, and these high-touch teams helped maintain client retention above 92% in the private-banking segment. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated and Self-Service Digital Interaction\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe majority of Credicorp retail customers use highly automated digital channels-mobile apps and web-driving 78% of transactions in 2024 and reducing branch footfall by 42% year-over-year. AI-driven chatbots and intuitive interfaces resolve routine inquiries and end-to-end transactions 24\/7, lowering service costs and improving NPS; about 65% of customer contacts were fully self‑served in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity-Based Microfinance Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMibanco uses a field-based model: credit officers visit clients at work, building trust and capturing cashflow nuances digital data misses; this approach lowered 30-day portfolio-at-risk to 2.1% in 2024 and sustained a 68% five-year client retention rate.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmni-channel Support Systems\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCredicorp delivers consistent experiences across branches, call centers, and its Mi Banco and Bcp Mobile apps by using centralized CRM platforms that consolidate histories and enable smooth channel handoffs.\u003c\/p\u003e\n\u003cp\u003eThis reduces friction, lifted NPS by 6 points in 2024 at BCP (parent bank) and helped increase cross-sell rates by ~12% year-over-year, boosting fee income.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCentralized CRM: single view of customer\u003c\/li\u003e\n\u003cli\u003eOmni-channel: branch, phone, mobile\u003c\/li\u003e\n\u003cli\u003eNPS +6 points in 2024 (BCP)\u003c\/li\u003e\n\u003cli\u003eCross-sell +12% YoY\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFeedback-Driven Product Co-creation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCredicorp solicits user feedback via Yape and mobile apps, running quarterly NPS surveys and in-app polls; Yape reached 14.5 million users by Dec 2025 and a 2024 NPS of ~42, so iterations cut feature time-to-market by 30% and helped reduce digital churn from 6.8% to 4.9% year-over-year.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eYape users: 14.5M (Dec 2025)\u003c\/li\u003e\n\u003cli\u003eNPS: ~42 (2024)\u003c\/li\u003e\n\u003cli\u003eTime-to-market down 30%\u003c\/li\u003e\n\u003cli\u003eDigital churn fell 1.9 pp (6.8%→4.9%)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp: Digital-first scale + elite RM drives AUM $8.2B, NPS +6, cross-sell +12%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCredicorp combines high-touch RM service for HNW (AUM US$8.2bn; private-banking retention \u0026gt;92% in 2024) with digital-first retail (78% transactions via apps; 65% self‑served; digital churn 4.9% in 2024), unified by centralized CRM that raised BCP NPS +6 pts and cross-sell +12% YoY.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth AUM\u003c\/td\u003e\n\u003ctd\u003eUS$8.2bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eApp txns\u003c\/td\u003e\n\u003ctd\u003e78% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSelf‑serve\u003c\/td\u003e\n\u003ctd\u003e65% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS change\u003c\/td\u003e\n\u003ctd\u003e+6 pts (BCP, 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross‑sell\u003c\/td\u003e\n\u003ctd\u003e+12% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape users\u003c\/td\u003e\n\u003ctd\u003e14.5M (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile Applications and Super-Apps\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eYape and the BCP Mobile Banking app are Credicorp's primary channels, handling ~68% of transaction volume and 62% of digital logins in Q4 2025; together they onboarded 1.9 million net new customers in 2025, driving the majority of acquisitions. These platforms let users do transfers, loan and credit-card applications, and insurance purchases-BCP reported 24% of new retail loans and 30% of insurance premiums originated via apps in 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePhysical branches remain vital for Credicorp's complex advisory, high-value transactions, and clients preferring face-to-face service; as of 2024 Credicorp operated ~1,100 branches across Peru, Colombia, Bolivia, Ecuador and Panama, serving corporate and wealth segments where 62% of AUM-related transactions occur in-branch, and branches act as brand hubs providing local presence and security even as the network is being optimized.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBanking Agents (Agentes BCP)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eA network of over 18,000 Agentes BCP-third-party agents in local shops-serves as Credicorp's main physical touchpoint for the unbanked and underbanked, handling cash-in\/cash-out where branches aren't viable. In 2024 these agents processed roughly 45% of retail cash transactions for BCP, sustaining its c.30% share of Peru's retail banking market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Sales Force and Advisory Teams\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSpecialized sales teams and financial advisors drive Credicorp Capital and Pacífico corporate offerings through direct B2B engagement, delivering tailored solutions for institutions and large corporates; Credicorp Capital reported S\/2.1 bn in AUM advisory fees in 2024, underscoring scale.\u003c\/p\u003e\n\u003cp\u003eThis channel depends on deep technical expertise and long-term networks-over 120 senior advisors across the group manage relationship-led mandates and structured finance deals.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDirect B2B sales to institutions\u003c\/li\u003e\n\u003cli\u003eTailored corporate and structured solutions\u003c\/li\u003e\n\u003cli\u003e120+ senior advisors across group\u003c\/li\u003e\n\u003cli\u003eS\/2.1 bn AUM advisory fees in 2024\u003c\/li\u003e\n\u003cli\u003eRelies on technical expertise and networks\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOnline Portals and E-commerce Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCredicorp's web portals offer corporate cash management, trade finance, and online insurance brokerage; in 2024 these digital channels processed over USD 12.4 billion in transactions across corporate clients, up 18% year-on-year.\u003c\/p\u003e\n\u003cp\u003eCredicorp embeds payment gateways into third-party e-commerce sites, enabling merchants to accept local and international payments and contributing roughly 22% of its digital payments volume in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCorporate cash, trade, insurance tools: core portal services\u003c\/li\u003e\n\u003cli\u003e2024 digital transaction volume: USD 12.4B (+18% YoY)\u003c\/li\u003e\n\u003cli\u003eThird-party gateway share: ~22% of digital payments (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital apps drive 68% of transactions, 1.9M net adds in 2025; branches \u0026amp; agents hold key cash\/advisory roles\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDigital apps (Yape + BCP) drove ~68% of transactions and 62% of digital logins in Q4 2025, adding 1.9M net customers in 2025; apps originated 24% of new retail loans and 30% of insurance premiums. Branches (~1,100 in 2024) handle complex\/advisory work and 62% of AUM transactions; 18,000 Agentes BCP processed ~45% of retail cash in 2024. Corporate portals handled USD 12.4B of transactions in 2024; gateways = ~22% of digital payments (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eYear\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape + BCP apps\u003c\/td\u003e\n\u003ctd\u003e68% tx vol; 1.9M net adds; 24% loans; 30% premiums\u003c\/td\u003e\n\u003ctd\u003e2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e~1,100; 62% AUM tx\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgentes BCP\u003c\/td\u003e\n\u003ctd\u003e18,000 agents; 45% retail cash tx\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate portals\u003c\/td\u003e\n\u003ctd\u003eUSD 12.4B tx (+18% YoY)\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePayment gateways\u003c\/td\u003e\n\u003ctd\u003e~22% digital payments\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMass Market Retail Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment covers millions in Peru and Bolivia-over 8.5 million retail clients for BCP Group in 2024-needing basic accounts, savings and consumer credit, served mainly via digital channels and a 120,000-strong Agentes BCP network; strategy targets high-volume, low-cost transactions and inclusion through Yape, which had 13 million users in Peru by end-2024, boosting low-touch onboarding and small-ticket lending.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicro and Small Enterprises (MSEs)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTargeted mainly through Mibanco, Micro and Small Enterprises (MSEs) are informal entrepreneurs needing tailored microcredit, working capital, and working-capital insurance; Mibanco served ~1.9M clients and originated USD 2.1B in portfolio at YE 2024, driving ~28% of group loan growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate and Institutional Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThis segment covers large domestic and multinational firms needing syndicated loans, treasury management, and M\u0026amp;A advisory; Credicorp Capital and Banco de Crédito del Perú (BCP) wholesale banking serve them with integrated solutions and regional market access. In 2024 Credicorp reported S\/5.6 billion in wholesale loans and Credicorp Capital advised on deals worth US$1.2 billion, focusing on cross-border financing and complex transaction structuring.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-Net-Worth Individuals (HNWIs)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpwealthy individuals and families in peru the andean region seek private banking asset management estate planning from bcp credicorp capital with reporting s billion client assets under growth hnwi clients of year-over-year.\u003e\n\u003cpthese relationships offer dedicated advisors bespoke portfolios and access to exclusive regional international investments driving higher fee income longer client lifecycles.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClient AUM: S\/ 120+ billion (2024)\u003c\/li\u003e\n\u003cli\u003eHNWI growth: ~6% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eServices: private banking, asset mgmt, estate planning\u003c\/li\u003e\n\u003cli\u003eCoverage: Peru and Andean markets\u003c\/li\u003e\n\u003cli\u003eValue: personalized advice, exclusive deals\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthese\u003e\u003c\/pwealthy\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Policyholders\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eInsurance policyholders range from individuals buying life and health plans to businesses needing property and casualty cover, primarily served by Pacífico Seguros; they seek risk mitigation and financial security, with Pacífico reporting ~S\/3.2bn premiuns in 2024 and 18% YoY growth in life lines.\u003c\/p\u003e\n\u003cp\u003eBancassurance is folding these clients into Credicorp's banking ecosystem-about 22% of Pacífico's 2024 new policies originated via Credicorp channels, boosting cross-sell and retention.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eIndividual life\/health to corporate P\u0026amp;C\u003c\/li\u003e\n\u003cli\u003ePacífico Seguros ~S\/3.2bn premiums (2024)\u003c\/li\u003e\n\u003cli\u003eLife lines +18% YoY (2024)\u003c\/li\u003e\n\u003cli\u003e22% new policies via bancassurance (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarket Snapshot: Broad Growth - Retail, MSEs, Corporates, HNWI \u0026amp; Insurance Strength\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail (8.5M clients BCP 2024; Yape 13M users), MSEs (Mibanco ~1.9M clients; USD2.1B portfolio 2024), Corporates (wholesale loans S\/5.6B; Credicorp Capital deals US$1.2B 2024), HNWI (AUM S\/120+B; HNWI +6% YoY 2024), Insurance (Pacífico premiums S\/3.2B; life +18% YoY; 22% bancassurance new policies).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e8.5M clients; Yape 13M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMSEs\u003c\/td\u003e\n\u003ctd\u003e1.9M clients; USD2.1B portfolio\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\u003c\/td\u003e\n\u003ctd\u003eS\/5.6B wholesale loans; US$1.2B deals\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHNWI\u003c\/td\u003e\n\u003ctd\u003eAUM S\/120+B; +6% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance\u003c\/td\u003e\n\u003ctd\u003eS\/3.2B premiums; life +18%; 22% bancassurance\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnological Infrastructure and R\u0026amp;D\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAround 18-22% of Credicorp's annual operating expenses go to technological infrastructure and R\u0026amp;D, funding core banking upgrades, cloud spend, and cybersecurity; in 2024 Credicorp disclosed roughly US$180-220 million in IT-related investments, including salaries for ~1,200 developers and data scientists. Continuous tech spend sustains the bank's digital ecosystem and competitive edge, with cloud and security costs rising ~12% YoY.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Talent Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePersonnel costs-notably bank tellers, credit officers, financial advisors and executives-account for roughly 40-50% of Credicorp's operating expenses, with salary and benefits rising after 2023 when headcount and remote-service roles grew; Credicorp spent about PEN 1.2 billion on staff costs in 2024. The group invests in training and competitive pay-including certification stipends and performance bonuses-to support specialized microfinance and investment-banking skills and retain diverse talent.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Network Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpdespite digital growth credicorp still incurs sizeable costs running branches and atms across peru region-rent utilities guards atm hardware upkeep drove roughly s million soles in premises equipment expenses about of operating costs. the bank regularly trims repurposes outlets-closing optimize footprint improve cost-efficiency.\u003e\n\u003c\/pdespite\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCredicorp allocates significant marketing spend to boost brand reach and drive digital adoption, with Peru marketing expenses ~S\/520m (2024) and digital customer acquisition costs for Yape averaging about S\/20-40 per new user in 2024.\u003c\/p\u003e\n\u003cp\u003eAcquiring credit card customers involves promotions, advertising, and referral incentives, pushing CAC higher; maintaining market leadership requires steady multi-channel investment representing ~4-6% of operating expenses.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 Peru marketing spend ~S\/520m\u003c\/li\u003e\n\u003cli\u003eYape CAC ~S\/20-40 per user (2024)\u003c\/li\u003e\n\u003cli\u003eMarketing share of Opex ~4-6%\u003c\/li\u003e\n\u003cli\u003eCredit card promotions raise CAC materially\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Risk Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRegulatory compliance and risk management cost Credicorp roughly 9-11% of operating expenses; in 2024 compliance-related spend rose to about PEN 1.1 billion (~USD 290M) to cover capital buffers, AML protocols, and data-privacy controls across Peru, Colombia, and Panama.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMulti-jurisdiction legal \u0026amp; audit staff\u003c\/li\u003e\n\u003cli\u003eCapital requirement compliance (Basel III\/IV)\u003c\/li\u003e\n\u003cli\u003eAML systems \u0026amp; monitoring\u003c\/li\u003e\n\u003cli\u003eData privacy controls (PDPA\/GDPR-like)\u003c\/li\u003e\n\u003cli\u003eLicense \u0026amp; trust maintenance costs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp 2024 costs: Personnel 40-50%, IT 18-22%, Compliance 9-11%, Marketing 4-6%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCredicorp's 2024 cost structure: personnel 40-50% (PEN 1.2bn), IT\/R\u0026amp;D 18-22% (US$180-220m), premises 8% (S\/420m), compliance 9-11% (PEN 1.1bn), marketing ~4-6% (Peru S\/520m); Yape CAC S\/20-40.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCategory\u003c\/th\u003e\n\u003cth\u003eShare\u003c\/th\u003e\n\u003cth\u003e2024 amount\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e40-50%\u003c\/td\u003e\n\u003ctd\u003ePEN 1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT \/ R\u0026amp;D\u003c\/td\u003e\n\u003ctd\u003e18-22%\u003c\/td\u003e\n\u003ctd\u003eUS$180-220m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePremises \u0026amp; ATMs\u003c\/td\u003e\n\u003ctd\u003e8%\u003c\/td\u003e\n\u003ctd\u003eS\/420m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e9-11%\u003c\/td\u003e\n\u003ctd\u003ePEN 1.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e4-6%\u003c\/td\u003e\n\u003ctd\u003ePeru S\/520m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income (NII)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet Interest Income (NII) stems from the spread between interest on loans-consumer, corporate, microfinance-and interest on deposits; in 2024 Credicorp reported NII of US$3.1 billion, driven mainly by BCP and Mibanco, with NII sensitivity to Peru's central bank rate changes (2.75% in Dec 2024) and to portfolio quality where non-performing loan ratio rose to 3.8% in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFee and Commission Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp earns substantial fee and commission income from transaction fees, credit-card memberships, and banking service charges-accounting for about 22% of net operating income in 2024 (S\/2.1bn), plus asset-management fees, brokerage commissions and advisory fees via Credicorp Capital which contributed ~S\/550m in 2024; this stream is prioritized because it is less capital-intensive than lending and offers steadier margins.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRevenue comes from premiums collected by Pacifico Seguros across life, health and general lines; in 2024 Pacifico reported PEN 6.8 billion gross premiums written, driving a material share of Credicorp's insurance segment.\u003c\/p\u003e\n\u003cp\u003eProfitability hinges on underwriting discipline and claims control-Pacifico's combined ratio was ~92% in 2024-and bancassurance sales via Credicorp's bank branches now account for roughly 35% of insurance premium inflows.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Ecosystem Monetization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpas yape matures credicorp is shifting toward tech-led fees: empresa now earns commissions on merchant transactions and small-ticket digital loans while marketplace fees from third-party vendors monetize access to million users contributing a double-digit cagr in fintech revenue within the group non-bank segment.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003eYape users: 11+ million (2025)\u003c\/li\u003e\n\u003cli\u003eMerchant transactions: commission-based\u003c\/li\u003e\n\u003cli\u003eSmall-ticket loans: growing loan book\u003c\/li\u003e\n\u003cli\u003eMarketplace: vendor access fees\u003c\/li\u003e\n\u003cli\u003eFintech revenue: double-digit CAGR (recent years)\u003c\/li\u003e\n\n\u003c\/pas\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment and Trading Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group earns income from its own investment portfolio and trading in fixed income, FX, and equities, including gains from managing insurance float and proprietary trading desks; trading income is more volatile than net interest but boosted Credicorp's non-interest income, which reached PEN 5.2 billion in 2024 (≈US$1.4bn).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eIncludes insurance float and prop desks\u003c\/li\u003e\n\u003cli\u003eMarkets: fixed income, currency, equity\u003c\/li\u003e\n\u003cli\u003eVolatile vs interest income, high upside in Andean markets\u003c\/li\u003e\n\u003cli\u003eNon-interest income: PEN 5.2B in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp 2024: Strong NII US$3.1B, fees S\/2.1B, premiums PEN6.8B, Yape 11M\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCredicorp's 2024 revenues: NII US$3.1B (NPL 3.8%); fees\/commissions ~S\/2.1B (22% of NOI); insurance premiums PEN6.8B (combined ratio ~92%); non‑interest income PEN5.2B (~US$1.4B); Yape users 11M (2025) driving fintech double‑digit CAGR.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII\u003c\/td\u003e\n\u003ctd\u003eUS$3.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees\u003c\/td\u003e\n\u003ctd\u003eS\/2.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePremiums\u003c\/td\u003e\n\u003ctd\u003ePEN6.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon‑interest\u003c\/td\u003e\n\u003ctd\u003ePEN5.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape users\u003c\/td\u003e\n\u003ctd\u003e11M (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"4P Marketing Mix","offers":[{"title":"Default Title","offer_id":64254984683869,"sku":"credicorp-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1058\/5151\/9325\/files\/credicorp-canvas-business-model.webp?v=1776760227","url":"https:\/\/4pmarketingmix.com\/products\/credicorp-business-model-canvas","provider":"4P Marketing Mix","version":"1.0","type":"link"}