Revenue distribution by sector:

• Lending: 45%
• Deposits and asset management: 30%
• Payment services and transaction services: 25%

TOP 3 markets and their percentage shares:

• Peru: 70%
• Chile: 15%
• Colombia: 10%

Banco de Crédito del Perú S.A. generates the majority of its revenue from lending, followed by deposits and asset management, as well as payment services. The Peruvian market dominates with a share of 70% of total revenue, highlighting the company's strong local presence and market leadership.

Chile and Colombia are also significant markets, accounting for 25% of the revenue together. These markets offer growth opportunities as the bank expands its services in the region.

Banco de Crédito del Perú S.A. is a bank and not a manufacturing company. Therefore, it does not produce physical products.

Banco de Crédito del Perú S.A. offers financial services, including loans, deposits, investment products, and other banking services. These services are mainly offered in Peru, where the bank is headquartered and conducts the majority of its business operations.

Strategy for Future Growth:

1. Digital Transformation: Banco de Crédito del Perú (BCP) is increasingly focusing on digitizing its services to enhance customer experience and operate more efficiently. This includes investments in mobile banking platforms and digital payment solutions.

2. Expansion of Credit Portfolio: The bank plans to expand its credit portfolio by targeting new customer segments and introducing tailored credit products. BCP sees growth potential, especially in the small and medium-sized enterprises (SMEs) sector.

3. Sustainable Financing: BCP is committed to supporting sustainable financing projects to take on both ecological and social responsibility. This includes investments in renewable energy and environmentally friendly projects.

BCP's strategy aims to strengthen its market position through technological innovations and a diversified product range while responding to societal and ecological challenges.

Imported raw materials/materials: No specific raw materials

Countries of origin: Not applicable

Banco de Crédito del Perú S.A. (BCP) is a financial institution and not a production or trading company that imports physical raw materials. As a bank, it is mainly active in the financial services sector and offers services such as loans, deposits, asset management, and other financial products.

Therefore, the question of imported raw materials or materials is not relevant for this institution. Instead, one could focus on the financial services and economic relationships of the bank.

Market share in Peru: Approx. 30% (2023)
Return on equity (ROE): 18.5% (2023)
Cost-to-income ratio: 40% (2023)

Banco de Crédito del Perú S.A. (BCP) has a significant competitive advantage in Peru as it holds the largest market share in the country's banking sector. With a market share of around 30%, BCP dominates the Peruvian banking market, which is attributed to a strong brand presence and an extensive branch network.

The return on equity of 18.5% in 2023 indicates that the company operates efficiently and is able to generate high profits from its equity. This is an indicator of strong financial performance and competitiveness.

The cost-to-income ratio of 40% suggests that BCP effectively controls its operating costs and keeps them low compared to its income. This is another indication of the company's efficiency and competitive advantage in the banking sector.

In summary, BCP benefits from a strong market position, high profitability, and operational efficiency, giving the company a significant competitive advantage in the Peruvian banking landscape.

Institutional Investor Share: Estimated at 45% (2025)
Insider Buys/Sells: No significant transactions in the last quarter (2025)

The institutional investor share of Banco de Crédito del Perú S.A. is approximately 45%, indicating a strong trust from institutional investors in the long-term stability and growth potential of the bank. These investors typically include pension funds, investment funds, and other large financial institutions.

Regarding insider activities, there were no significant purchases or sales of stocks by insiders in the last quarter. This could suggest that the management and other insiders currently do not expect significant changes in the value of the stocks or that they are satisfied with the current company strategy.

Market Share Banco de Crédito del Perú S.A.: 30% (estimated for 2025)

Top Competitors and Their Market Shares:

1. Banco de Crédito del Perú S.A.: 30%
2. BBVA Perú: 25%
3. Scotiabank Perú: 20%
4. Interbank: 15%
5. Banco Pichincha: 10%

Banco de Crédito del Perú S.A. is the leading player in the Peruvian banking market with an estimated market share of 30%. This is attributed to its strong brand presence, extensive branch network, and wide range of products.

The moat of Banco de Crédito del Perú S.A. mainly consists of its established market position, customer loyalty, and ability to offer innovative financial products. Compared to its competitors, the company has a significant advantage in customer reach and technological advancement.

BBVA Perú and Scotiabank Perú are strong competitors that also hold significant market shares. They heavily invest in digital transformation and customer service, strengthening their own moats. However, Banco de Crédito del Perú S.A. remains in an advantageous position due to its market leadership and innovation capabilities.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 15.4% (2024) Customer Growth: 5% (2024)

Banco de Crédito del Perú S.A. recorded a solid revenue growth of 8.5% in 2024, indicating strong operational performance and an effective market strategy. The profit growth of 10.2% shows that the company was able to successfully increase its profitability, attributed to efficient cost control and revenue growth.

The return on equity of 15.4% is an indicator of efficient capital utilization, pointing to a healthy financial base and good management practices. A customer growth of 5% suggests that the bank is able to expand its market share and attract new customers, promising future growth.

In summary, Banco de Crédito del Perú S.A. presents an attractive investment opportunity due to its strong financial performance and growth indicators. However, investors should also consider macroeconomic factors and regulatory developments in Peru that could impact future performance.

Dividend Yield: 4.5% (2024)

Banco de Crédito del Perú S.A. has regularly distributed dividends in recent years. The dividend yield was around 4.5% in 2024, which is considered attractive compared to other banks in the region.

The reliability of dividend payments is high as the company has a solid financial position and a strong market presence in Peru. Historically, the bank has pursued a consistent dividend policy, indicating stable profitability and good management.