Welcome to our dedicated page for Credicorp SEC filings (Ticker: BAP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Credicorp Ltd. (BAP) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a foreign private issuer. Credicorp submits annual reports on Form 20-F and current reports on Form 6-K under the Securities Exchange Act of 1934, documenting material events affecting its multi-line financial services operations in Peru and other markets.
Through its Form 6-K filings, Credicorp reports material events and clarifications involving its subsidiaries and business environment. Examples include notifications of tax assessment and fine resolutions issued to Grupo Credito S.A. by the Peruvian tax authority (SUNAT), explanations of the underlying share transactions involving Banco de Crédito del Perú, and statements that the company intends to contest these resolutions using available legal channels. Other 6-Ks address clarifications of media articles about dividend distributions, emphasizing the distinction between ordinary and extraordinary dividends and the impact of specific cash outflows.
Credicorp’s filings also cover capital markets and rating information, such as a Form 6-K reporting that Fitch Ratings affirmed its long-term foreign currency rating and maintained a stable outlook, while noting that such ratings are not recommendations to buy or sell securities. Additional filings relate to strategic and investor relations events, including Investor Day presentations and the disclosure of PowerPoint materials used at those events, where Credicorp outlines its strategic priorities, digital transformation themes, and ecosystem approach.
Another key area in Credicorp’s filings is transaction-related disclosure. A Form 6-K dated December 29, 2025, describes a stock purchase agreement under which its subsidiary Banco de Crédito del Perú agreed to acquire 100% of the shares of Helm Bank USA, a Florida state-chartered community bank, subject to regulatory approvals in the United States and Peru and customary closing conditions.
On Stock Titan, these filings are supplemented with AI-powered summaries that highlight the main points of each document, helping readers quickly identify items related to tax matters, ratings, acquisitions, investor presentations, and other material developments. Users can also review historical Form 20-F references mentioned in press releases for more detailed consolidated financial and risk information.
Credicorp Ltd. reported strong financial and operating results for 4Q25 and full-year 2025, highlighted by higher profitability, solid growth and better asset quality. Net profit attributable to Credicorp reached S/1,587.0 million in 4Q25 (down 8.7% QoQ but up 40.9% YoY), while full-year net income rose 25.9% to S/6,925.4 million, driving a 2025 ROE of 19.0% (16.9% in 4Q25).
Total loans grew 3.6% QoQ and 2.9% YoY, or 8.5% YoY on a FX‑neutral, Bolivia‑adjusted basis, led by retail and microfinance. Deposits increased 7.6% QoQ and 5.3% YoY, with low‑cost deposits up 11.1% and representing 73.0% of total deposits, supporting a lower funding cost of 2.3%.
Risk indicators improved meaningfully: the NPL ratio fell to 4.5% (down 26 bps QoQ and 71 bps YoY) and cost of risk declined to 1.6% for 2025. Risk‑adjusted net interest margin reached a record 5.55% in 4Q25, supported by loan mix and better credit performance.
Other income was robust, with other core income up 13.7% YoY and 12.2% for the year. The innovation portfolio contributed 8.1% of risk‑adjusted revenue in 4Q25, driven by platforms such as Yape, whose total income nearly doubled in 2025 and monthly revenue per active user rose to S/9.6.
Operating expenses increased 12.0% in 2025, reflecting investments in core businesses and digital initiatives; the efficiency ratio stood at 46.6%, slightly above the prior year but within company guidance. Capital levels remained strong, with robust regulatory ratios at BCP and Mibanco.
Strategically, Credicorp completed the full acquisition of Banmédica, consolidating health insurance and medical services, and signed an agreement to acquire 100% of Helm Bank in the U.S. to reinforce cross‑border capabilities. Management targets an ROE of around 19.5% for 2026, supported by faster retail loan growth, higher margins and a controlled cost of risk.
Dodge & Cox has updated its ownership in Credicorp Ltd. common shares, reporting beneficial ownership of 3,870,940 shares, or 4.1% of the class. It holds sole voting power over 3,748,155 shares and sole dispositive power over 3,870,940 shares, with no shared voting or dispositive power.
The filing indicates ownership of 5 percent or less of the class and states that the securities were acquired and are held in the ordinary course of business, not for the purpose of changing or influencing control of Credicorp Ltd.
Credicorp Ltd. describes its response to Peru’s securities regulator over a long‑running dispute about how a prior sanction was handled and disclosed. The Superintendency of the Securities Market (SMV) had earlier fined Credicorp 510 UIT (about S/1.9 million) for very serious violations linked to undisclosed political campaign contributions in 2011 and 2016, a fine Credicorp paid in 2021 and reported in its 2021 consolidated financial statements. Credicorp then filed an administrative court action seeking to annul the SMV’s deemed resolution that rejected its appeal. A Supreme Court civil chamber later issued an appellate decision upholding a 2023 first‑instance judgment that rejected Credicorp’s claim. Credicorp told the SMV it has not treated that appellate decision as a material event because it can still file a cassation appeal with another Supreme Court chamber and believes the case is not yet final. The company is assessing whether to pursue that cassation remedy and reiterates its view that only a final, unappealable judgment would require market disclosure as a material event under Peruvian securities rules.
Credicorp Ltd. filed a Form 6-K as a foreign private issuer to report a material event decided by its Board of Directors on January 29, 2026. The Board established that shareholders officially registered as of Friday, February 13, 2026 will be entitled to attend and vote at a referenced shareholders’ meeting. The company also states that the information in this Form 6-K is not deemed filed for purposes of Section 18 of the Exchange Act and is not incorporated by reference into Securities Act or Exchange Act filings.
Credicorp Ltd. reports that the Chilean Financial Market Commission (CMF) has granted operating authorization to Tenpo Bank Chile, a Credicorp subsidiary. This authorization allows Tenpo Bank Chile to operate as a bank that engages exclusively in banking activities under Chilean regulation. The CMF’s decision was notified on January 19, 2026, and the authorization requires that Tenpo Bank Chile begin operations within a maximum period of one year from that notification date. This step marks Credicorp’s formal regulatory clearance to launch its banking operations in the Chilean market through Tenpo Bank Chile.
Credicorp Ltd., through its subsidiary Banco de Crédito del Perú (BCP), has agreed to acquire 100% of the shares of Helm Bank USA from the Wilde family under a Stock Purchase Agreement. BCP will pay a purchase price of US$180,000,000, subject to a customary price adjustment as of the closing date.
Helm Bank is a Florida-chartered community bank supervised by the Florida Office of Financial Regulation and is a member of the FDIC. As of the end of September 2025, Helm Bank reported a loan portfolio of US$648.2 million, total assets of US$1,141.8 million, and shareholders’ equity of US$106.8 million, giving a sense of the scale of the institution being acquired.
The transaction will close only after required regulatory approvals in the United States (OFR and Federal Reserve) and in Peru (SBS) are obtained and other customary conditions are met. Once these conditions are satisfied or waived, the closing date is expected to occur within a few business days or another period agreed between BCP and the sellers.
Credicorp presented an Investor Day roadmap titled "Greater than the Sum of its Parts," outlining growth built on digital scale, data/AI, risk integration and an innovation portfolio. The group reported 6.1M financially included clients as of June 2025 and targets 8.0M by 2028, while disclosing an ambition to multiply Yape revenues 3x by 2028. Management highlighted tech investments that increased data volume to ~3.8 PB in 2025E, a Data Marketplace for ~2,000 users, broad AI deployments (customer bots, GenIA, Github Copilot) and improved risk time-to-market (consumer loan model TTM down 43%). Financial KPIs cited include operating income evolution toward ~S/19.4B (2025 annualized) and continued diversification of risk-adjusted revenue. The presentation reiterates forward-looking caution and lists macro, regulatory and execution risks that could affect outcomes.
Credicorp Ltd. notifies investors that a published headline stating the company "will not distribute dividends to shareholders" is misleading. The company clarifies that the correct point is that no extraordinary cash dividend will be distributed for the remainder of the year, because extraordinary dividends are paid only when there is a cash surplus and there is currently no such surplus. The notice was made under Peruvian disclosure rules and includes an English translation of the original Spanish article.