Credicorp Ltd (NYSE:BAP) Q3 2019 Earnings Conference Call November 8, 2019 9:30 AM ET Company Participants Walter Bayly - CEO Gianfranco Ferrari - Deputy CEO, Head of Universal Banking Reynaldo Llosa - Chief Risk Officer Cesar Rios - CFO Guillermo Garrido Lecca - CEO, Health Insurance and Business Alvaro Correa - Deputy CEO, Head of Insurance and Pension Funds Conference Call Participants Jorg Friedemann - Citibank Jason Mollin - Scotiabank Ernesto Gabilondo - Bank of America Merrill Lynch Gabriel Nobrega - ...

Credicorp Ltd (NYSE:BAP) Q2 2019 Results Conference Call August 9, 2019 10:30 AM ET Company Participants Walter Bayly - Chief Executive Officer César Ríos - Chief Financial Officer Alvaro Correa - Deputy Chief Executive Officer Gianfranco Ferrari - Deputy Chief Executive Officer Reynaldo Llosa - Chief Risk Officer Conference Call Participants Ernesto Gabilondo - Bank of America Jason Mollin - Scotiabank Andres Soto - Santander Alonso Garcia - Credit Suisse Gabriel Nobrega - Citi Carlos Gomez Lopez - HSBC Yu ...

Credicorp Ltd. (NYSE:BAP) Q1 2019 Earnings Conference Call May 3, 2019 10:30 AM ET Company Participants Gianfranco Ferrari - Deputy Chief Executive Officer Alvaro Correa - Deputy Chief Executive Officer César Ríos - Chief Financial Officer Reynaldo Llosa - Chief Risk Officer Francesca Raffo - Head of Central Transformation Conference Call Participants Jorg Friedemann - Citibank Domingos Falavina - JPMorgan Ernesto Gabilondo - Bank of America Andres Soto - Santander Jason Mollin - Scotiabank Alonso García - ...

业绩总结 - 2019年第一季度净收入为11.01亿索尔，ROAE为18.5%[9] - 贷款组合季度末余额为1084亿索尔，较上季度下降2.2%[9] - 净利息收入为21.89亿索尔，净利息收益率(NIM)为5.37%[9] - 2019年第一季度贷款损失准备金为3.83亿索尔，风险成本为1.41%[9] - 1Q19净利息收入为S/ 2,189百万，环比下降2.5%，同比增长7.1%[21] - 1Q19的效率比率为42.1%[74] - 1Q19的资本充足率（CET1）为11.39%[74] 用户数据 - 微型金融部门的ROAE为21.3%[6] - 总贷款同比增长7.2%，达到S/ 7,229百万[12] - 1Q19本币贷款的利息收入同比增长19.9%[21] - 1Q19的外币贷款利息收入同比增长，受利率上升影响[21] 市场展望 - 公司预计未来的财务状况将受到多种因素的影响，包括通货膨胀率、经济增长和货币贬值等[77] - 公司对未来的贷款增长、风险成本和净利差等财务指标进行了预期[76] - 公司警告实际结果可能与预期结果有显著差异，特别是在秘鲁经济和政治环境变化的情况下[77] - 公司预计未来市场条件和信贷市场的波动将影响其财务状况[76] 新产品与技术研发 - 公司关注客户保留、增长和产品开发的战略，以提升市场地位和财务结果[76] 负面信息 - 公司面临的市场竞争加剧和金融服务需求下降可能对其运营产生不利影响[77] - 公司将继续监测与索赔、诉讼和环境成本相关的潜在财务影响[76] 其他策略 - 公司将持续评估流动性，以确保在未来一年内能够支持业务运营[76] - 公司未对未来的前瞻性声明承担公开修订的义务，可能会因业务战略或资本支出计划的变化而调整[78] - 公司强调不应过度依赖前瞻性声明，因为这些声明仅反映截至声明日的信息[78]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F ¨ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ¨ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of ...

业绩总结 - 2018年净收入为39.84亿索尔，同比下降2.6%[8] - 2018年净利息收入为84.89亿索尔，同比增长5.2%[8] - 2018年非金融收入同比下降5.9%[32] 用户数据 - 2018年贷款组合季度末余额为1108亿索尔，较2017年增长10.2%[8] - 2018年贷款总额同比增长10.8%[13] - 2018年平均日贷款余额为1039亿索尔，同比增长9.2%[8] 未来展望 - 预计2019年净利息收益率（NIM）将达到5.4%至5.7%[51] - 预计2019年贷款利息收入将继续增长[20] - 预计2019年平均每日贷款增长将为8%至10%[51] 新产品和新技术研发 - 2018年贷款组合的外币化比例为40.8%[59] 财务健康指标 - 2018年ROAE为17.5%，较2017年下降230个基点[8] - 2018年资本充足率（BIS比率）为14.17%，较2017年下降86个基点[8] - 2018年净贷款损失准备金为15.32亿索尔，同比下降14.4%[8] - 2018年成本风险为1.38%，预计2019年将为1.3%至1.5%[51] - 2018年效率比率为44.1%，较2017年改善40个基点[8] - 预计2019年效率比率将保持稳定[51] - 2018年资本充足率（CET1）为11.55%，预计2019年每季度不低于11%[51]

Credicorp, Ltd. (NYSE:BAP) Q4 2018 Earnings Conference Call January 7, 2019 9:30 AM ET Company Participants Cesar Rios – Chief Financial Officer Francesca Raffo – Head-Transformation at BCP Walter Bayly – Chief Executive Officer Gianfranco Ferrari – Deputy Chief Executive Officer Conference Call Participants Philip Finch – UBS Ernesto Gabilondo – Bank of America Andres Soto – Santander Jason Mollin – Scotiabank Carlos Gomez – HSBC Alonso Aramburú – BTG Miguel Tola – CAPIA Operator Good morning, everyone. I ...