Credicorp Balance Sheet Health
Financial Health criteria checks 4/6
Credicorp has total assets of PEN249.8B and total equity of PEN34.1B. Total deposits are PEN153.1B, and total loans are PEN132.9B.
Key information
7.3x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | S/153.13b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 5.9% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | S/21.79b |
Recent financial health updates
No updates
Recent updates
Credicorp: New Growth Engines Emerge
Nov 27Credicorp: Yape Growth Is A Tailwind
Aug 22Credicorp: Stay Upbeat On Peru's Premier Financial Group
Jun 24Credicorp: No Stopping Peru's Financial Champion Into 2024
Mar 13Here's Why Credicorp (NYSE:BAP) Has Caught The Eye Of Investors
Feb 04
Credicorp: Looking Through The Near-Term Headwinds
Nov 30Credicorp: Still Cheaply Priced Relative To Its Fundamentals
Aug 02Credicorp Executing Well, But Macro Risk Remains High
Feb 13Credicorp GAAP EPS of S/16.33, Net interest income of S/3B
Dec 16Credicorp Remains A Well-Run House In A Tricky Neighborhood
Aug 23Credicorp stock gains after Credit Suisse upgrades on Peru's economic outlook
Jul 19Credicorp Shaking Off The Pandemic And Getting Back To Business As Usual
Mar 12Good Execution At Credicorp Canceled Out By Political Risk
Sep 02Credicorp Ltd. 2020 Q3 - Results - Earnings Call Presentation
Nov 09Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BAP's Assets to Equity ratio (7.3x) is low.
Allowance for Bad Loans: BAP has a low allowance for bad loans (99%).
Low Risk Liabilities: 71% of BAP's liabilities are made up of primarily low risk sources of funding.
Loan Level: BAP has an appropriate level of Loans to Assets ratio (53%).
Low Risk Deposits: BAP's Loans to Deposits ratio (87%) is appropriate.
Level of Bad Loans: BAP has a high level of bad loans (5.9%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/31 05:28 |
| End of Day Share Price | 2025/01/31 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Credicorp Ltd. is covered by 23 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Roberto de Aguiar Attuch | Barclays |
| Ernesto Gabilondo Márquez | BofA Global Research |
| Gustavo Schroden | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |