Credicorp Ltd. (BAP) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 3.96B | 3.94B | 2.79B | 3.59B | 3.55B | 3.61B | 3.58B | 3.46B | 3.42B | 3.34B | 3.24B | 3.19B | 3.13B | 3.24B | 2.87B | 2.62B | 2.43B | 2.47B | 2.43B | 2.3B |
| NII Growth % | 11.53% | 8.95% | -21.88% | 3.88% | 3.85% | 8.35% | 10.3% | 8.53% | 9.27% | 2.98% | 12.82% | 21.47% | 28.76% | 31.07% | 18.24% | 14.19% | -4.05% | 19.68% | 12.93% | 17.43% |
| Net Interest Margin % | 1.47% | 1.47% | 1.09% | 1.44% | 1.4% | 1.41% | 1.43% | 1.39% | 1.42% | 1.4% | 1.36% | 1.36% | 1.31% | 1.38% | 1.18% | 1.11% | 0.99% | 1.02% | 0.97% | 0.94% |
| Interest Income | 5.2B | 5.45B | 3.57B | 4.9B | 4.87B | 5B | 4.98B | 4.93B | 4.92B | 4.86B | 4.81B | 4.64B | 4.45B | 4.36B | 3.98B | 3.47B | 3.17B | 3.09B | 3.03B | 2.88B |
| Interest Expense | 1.25B | 1.51B | 776.19M | 1.31B | 1.32B | 1.38B | 1.41B | 1.47B | 1.5B | 1.52B | 1.57B | 1.45B | 1.32B | 1.12B | 1.11B | 851.01M | 740.64M | 613.91M | 599.29M | 582.54M |
| Loan Loss Provision | 481.23M | 408.84M | 394.2M | 575.16M | 581.89M | 1.13B | 868.08M | 1.09B | 814.7M | 1.35B | 917.64M | 804.25M | 727M | 866.48M | 459.98M | 363.29M | 257.59M | 126.78M | 165.02M | 363.38M |
| Non-Interest Income | 2.53B | 2.86B | 1.72B | 2.52B | 2.06B | 1.61B | 1.89B | 1.89B | 1.65B | 1.6B | 1.71B | 1.72B | 1.58B | 3.39B | 1.59B | 1.38B | 1.43B | 1.5B | 1.4B | 1.14B |
| Non-Interest Income % | 32.75% | 34.45% | 32.52% | 33.95% | 29.76% | 24.38% | 27.51% | 27.71% | 25.14% | 24.76% | 26.25% | 27.1% | 26.24% | 43.76% | 28.5% | 28.37% | 31.05% | 32.68% | 31.55% | 28.35% |
| Total Revenue | 7.74B | 8.31B | 5.29B | 7.42B | 6.93B | 6.61B | 6.87B | 6.81B | 6.57B | 6.46B | 6.52B | 6.36B | 6.03B | 7.75B | 5.57B | 4.85B | 4.59B | 4.58B | 4.43B | 4.02B |
| Revenue Growth % | 11.6% | 25.76% | -23.01% | 8.87% | 5.6% | 2.32% | 5.41% | 7.14% | 8.83% | -16.67% | 17.11% | 31.1% | 31.3% | 69.08% | 25.74% | 20.68% | 14.81% | 10.41% | 7.87% | 2.22% |
| Non-Interest Expense | 3.1B | 4.05B | 1.42B | 2.97B | 2.51B | 2.34B | 2.49B | 2.37B | 2.18B | 2.3B | 2.32B | 2.17B | 2.07B | 4.19B | 2.07B | 1.95B | 1.85B | 2.28B | 2.05B | 1.93B |
| Efficiency Ratio | 40.12% | 48.71% | 26.75% | 40.1% | 36.19% | 35.34% | 36.21% | 34.73% | 33.21% | 35.66% | 35.56% | 34.15% | 34.37% | 54.09% | 37.21% | 40.24% | 40.28% | 49.82% | 46.19% | 48.09% |
| Operating Income | 2.91B | 2.34B | 2.71B | 2.56B | 2.52B | 1.76B | 2.11B | 1.89B | 2.07B | 1.29B | 1.72B | 1.93B | 1.91B | 1.57B | 1.93B | 1.68B | 1.75B | 1.56B | 1.62B | 1.14B |
| Operating Margin % | 37.66% | 28.21% | 51.14% | 34.53% | 36.34% | 26.57% | 30.72% | 27.69% | 31.54% | 19.93% | 26.37% | 30.42% | 31.63% | 20.29% | 34.66% | 34.73% | 38% | 34.02% | 36.55% | 28.38% |
| Operating Income Growth % | 15.66% | 33.52% | 28.15% | 35.76% | 21.67% | 36.44% | 22.81% | -2.46% | 8.53% | -18.17% | -10.9% | 14.83% | 9.29% | 0.86% | 19.25% | 47.69% | 72.03% | 102.67% | 961.82% | 207.99% |
| Pretax Income | 2.9B | 2.34B | 2.51B | 2.56B | 2.52B | 1.76B | 2.11B | 1.89B | 2.07B | 1.29B | 1.72B | 1.93B | 1.91B | 1.57B | 1.93B | 1.68B | 1.75B | 1.56B | 1.62B | 1.14B |
| Pretax Margin % | 37.54% | 28.21% | 47.37% | 34.53% | 36.34% | 26.57% | 30.72% | 27.69% | 31.54% | 19.93% | 26.37% | 30.42% | 31.63% | 20.29% | 34.66% | 34.73% | 38% | 34.02% | 36.55% | 28.38% |
| Income Tax | 807.45M | 730.24M | 728.31M | 696.97M | 704.47M | 598.35M | 555.12M | 519.34M | 528.47M | 434.65M | 455.87M | 504.47M | 493.47M | 476.24M | 575.08M | 513.18M | 546M | 471.86M | 428.04M | 423.49M |
| Effective Tax Rate % | 27.8% | 31.15% | 29.05% | 27.21% | 27.96% | 34.08% | 26.29% | 27.53% | 25.52% | 33.78% | 26.51% | 26.08% | 25.87% | 30.28% | 29.8% | 30.47% | 31.28% | 30.26% | 26.45% | 37.13% |
| Net Income | 2.06B | 1.58B | 1.74B | 1.82B | 1.78B | 1.13B | 1.52B | 1.34B | 1.51B | 841.83M | 1.24B | 1.4B | 1.38B | 1.07B | 1.32B | 1.14B | 1.17B | 1.06B | 1.16B | 699.47M |
| Net Margin % | 26.62% | 18.97% | 32.86% | 24.56% | 25.64% | 17.05% | 22.17% | 19.65% | 23.03% | 13.04% | 18.99% | 22.04% | 22.95% | 13.83% | 23.76% | 23.56% | 25.51% | 23.14% | 26.28% | 17.4% |
| Net Income Growth % | 15.85% | 39.91% | 14.1% | 36.06% | 17.6% | 33.84% | 23.07% | -4.44% | 9.2% | -21.48% | -6.41% | 22.61% | 18.12% | 1.08% | 13.68% | 63.39% | 77.34% | 62.32% | 1012.46% | 212.75% |
| Net Income (Continuing) | 2.1B | 1.61B | 1.78B | 1.86B | 1.81B | 1.16B | 1.56B | 1.37B | 1.54B | 852.16M | 1.26B | 1.43B | 1.41B | 1.1B | 1.35B | 1.17B | 1.2B | 1.09B | 1.19B | 717.08M |
| EPS (Diluted) | 25.91 | 19.90 | 21.86 | 22.80 | 22.40 | 14.14 | 19.16 | 16.84 | 19.02 | 10.58 | 15.57 | 17.57 | 17.35 | 13.44 | 16.35 | 14.07 | 8.30 | 13.30 | 14.61 | 8.78 |
| EPS Growth % | 15.67% | 40.74% | 14.09% | 35.39% | 17.77% | 33.65% | 23.06% | -4.15% | 9.63% | -21.28% | -4.77% | 24.88% | 109.04% | 1.05% | 11.91% | 60.25% | 0% | 61.8% | 1006.82% | 212.85% |
| EPS (Basic) | 25.94 | 19.90 | 21.89 | 22.80 | 22.40 | 14.14 | 19.14 | 16.84 | 19.02 | 10.58 | 15.57 | 17.57 | 17.35 | 13.44 | 16.38 | 14.10 | 8.31 | 13.30 | 14.64 | 8.79 |
| Diluted Shares Outstanding | 79.48M | 79.75M | 79.45M | 79.91M | 79.37M | 79.67M | 79.43M | 79.31M | 79.47M | 79.42M | 79.53M | 79.75M | 79.56M | 79.77M | 79.56M | 79.75M | 79.59M | 79.75M | 79.65M | 79.75M |