Credicorp Ltd. (BAP) Q4 2025 Earnings Call Transcript

Operator

Good morning, everyone. I would like to welcome you to the Credicorp Limited Fourth Quarter 2025 Conference Call. A slide presentation will accompany today’s webcast, which is available in the Investors section of Credicorp’s website. Today’s conference call is being recorded.

[Operator Instructions]

Now it is my pleasure to turn the conference over to Credicorp’s IRO, Milagros Cig�e�as. You may begin.

Milagros Cigüeñas
Head of Investor Relations

Thank you, and good morning, everyone. Speaking on today’s call will be Gianfranco Ferrari, our Chief Executive Officer; and Alejandro Perez-Reyes, our Chief Financial Officer. Participating in the Q&A session will also be Francesca Raffo, Chief Innovation Officer; Cesar Rios, Chief Risk Officer; Eduardo Montero, Head of Insurance and Pensions; and [ Jose Navire ], Mibanco, Chief Financial Officer. Before we proceed, I would like to make the following — sorry, and also here in the Q&A session will be Diego Cavero, BCP CEO or Head of Universal Banking.

Before we proceed, I would like to make the following safe harbor statement. Today’s call will contain forward-looking statements, which are based on management’s current expectations and beliefs and are subject to a number of risks and