v3.26.1
OPERATING SEGMENTS (Tables)
 12 Months Ended
Dec. 31, 2025
Disclosure of operating segments [abstract]  
Schedule of Information About Segment Assets and Revenue
(i)The following table presents information recorded in the results and for certain items of the assets corresponding to the Group’s reportable segments (in millions of soles) as of December 31, 2025, 2024 and 2023:
Income (*)
2025ExternalFrom other
segments
(**)		Net interest,
similar
income and
expenses		Other
income, net
(***)		Provision
for credit
losses on
loan
portfolio		Depreciation and
amortization and
right in use		Income taxNet profit
(loss)		Additions of
fixed asset,
intangibles
and
goodwill		Total
assets		Total
liabilities
Universal Banking
Banco de Crédito del Perú19,528 723 11,137 5,240 (1,927)(621)(2,158)6,042 859 202,206 176,582 
Banco de Crédito de Bolivia683 22 215 186 (24)(22)(34)86 26 10,062 10,034 
20,211 745 11,352 5,426 (1,951)(643)(2,192)6,128 885 212,268 186,616 
Insurance, Medical Services and Pension funds
Pacífico Seguros and subsidiaries2,374 1,235 298 1,456 – (41)(150)854 731 20,625 16,496 
Prima AFP407 4 1 403 – (29)(60)147 15 682 231 
2,781 1,239 299 1,859 – (70)(210)1,001 746 21,307 16,727 
Microfinance
MiBanco3,301 150 2,480 138 (749)(93)(158)453 120 18,355 15,568 
MiBanco Colombia670 1 430 56 (93)(20)(31)47 13 2,858 2,369 
3,971 151 2,910 194 (842)(113)(189)500 133 21,213 17,937 
Investment Management and Advisory1,405 538 54 1,010 – (42)(54)225 30 8,226 6,682 
Other segments455 216 101 304 (80)(25)(216)(766)54 6,446 2,410 
Eliminations(268)– – (168)– – (4)(5)– (2,097)(2,106)
Total consolidated28,555 2,889 14,716 8,625 (2,873)(893)(2,865)7,083 1,848 267,363 228,266 
(*)Corresponds to total interest and similar income, other income, the result of the insurance and reinsurance service and medical services results.
(**)Corresponds to income derived from transactions with other segments, which were eliminated in the consolidated statement of income.
(***)Corresponds to other income (include income and expenses for commissions) result of the insurance and reinsurance service and medical services results..
Income (*)
2024ExternalFrom other
segments
(**)		Net interest,
similar
 income and
expenses		Other
income, net
(***)		Provision
for credit
losses on
loan
portfolio		Depreciation and
amortization
and
right in use		Income taxNet profit
(loss)		Additions of
fixed asset,
intangibles
and
goodwill		Total assetsTotal
liabilities
Universal Banking
Banco de Crédito del Perú19,176 647 10,815 4,831 (2,831)(492)(1,767)5,003 722 194,921 171,451 
Banco de Crédito de Bolivia924 25 353 164 (84)(30)(73)4 84 12,996 12,954 
20,100 672 11,168 4,995 (2,915)(522)(1,840)5,007 806 207,917 184,405 
Insurance and Pension funds
Pacífico Seguros and subsidiaries1,769 541 299 935 – (2)(44)770 122 17,777 14,355 
Prima AFP385 6 2 379 – (27)(55)133 12 658 182 
2,154 547 301 1,314 – (29)(99)903 134 18,435 14,537 
Microfinance
MiBanco3,195 146 2,243 125 (851)(93)(85)308 85 16,979 14,279 
MiBanco Colombia574 1 326 60 (118)(19)(1)(10)10 2,323 1,900 
3,769 147 2,569 185 (969)(112)(86)298 95 19,302 16,179 
Investment Management and Advisory
1,317 527 36 945 (30)(43)(69)196 36 8,466 6,907 
Other segments388 132 41 264 (29)(7)(83)(779)40 6,341 3,286 
Eliminations(256)– – (100)– – (24)(2)– (4,372)(4,202)
Total consolidated27,472 2,025 14,115 7,603 (3,943)(713)(2,201)5,623 1,111 256,089 221,112 
(*)Corresponds to total interest and similar income, other income, the result of the insurance and reinsurance service.
(**)Corresponds to income derived from transactions with other segments, which were eliminated in the consolidated statement of income.
(***)Corresponds to other income (include income and expenses for commissions) result of the insurance and reinsurance service.
Income (*)
2023ExternalFrom other
segments
(**)		Net interest,
similar
income and
expenses		Other
income, net
(***)		Provision
for credit
losses on
loan
portfolio		Depreciation and
amortization
and
right in use		Income taxNet profit
(loss)		Additions of
fixed asset,
intangibles
and
goodwill		Total assetsTotal
liabilities
Universal Banking
Banco de Crédito del Perú17,802 686 9,818 4,315 (2,846)(460)(1,498)4,379 894 178,053 155,908 
Banco de Crédito de Bolivia820 19 332 110 (50)(28)(62)3 16 12,631 12,593 
18,622 705 10,150 4,425 (2,896)(488)(1,560)4,382 910 190,684 168,501 
Insurance and Pension funds
Pacífico Seguros and subsidiaries1,730 528 285 952 – (4)(40)819 79 16,586 13,435 
Prima AFP386 7 4 379 – (25)(57)150 17 741 240 
2,116 535 289 1,331 – (29)(97)969 96 17,327 13,675 
Microfinance
MiBanco3,236 187 2,165 155 (923)(87)(47)202 129 16,931 13,902 
MiBanco Colombia489 1 255 45 (125)(15)26 (145)44 2,164 1,892 
3,725 188 2,420 200 (1,048)(102)(21)57 173 19,095 15,794 
Investment Management and Advisory1,210 518 82 809 – (50)(31)161 16 10,104 8,394 
Other segments278 105 (3)216 (13)10 (179)(609)19 4,947 2,670 
Eliminations(286)– – (114)– – – – – (3,317)(3,301)
Total consolidated25,665 2,051 12,938 6,867 (3,957)(659)(1,888)4,960 1,214 238,840 205,733 
(*)Corresponds to total interest and similar income, other income, the result of the insurance and reinsurance service.
(**)Corresponds to income derived from transactions with other segments, which were eliminated in the consolidated statement of income.
(***)Corresponds to other income (include income and expenses for commissions) result of the insurance and reinsurance service.
(ii)The following table presents (in millions of soles) the distribution of the total revenue, operating revenue and non-current assets of the Group; all assigned based on the location of the clients and assets, respectively, as of December 31, 2025, 2024 and 2023:
202520242023
Total
income (*)		Operating
income (**)		Total non
current
assets (***)		Total
liabilities		Total
income (*)		Operating
income (**)		Total non
current
assets (***)		Total
liabilities		Total
income (*)		Operating
income (**)		Total non
current
assets (***)		Total
liabilities
Peru29,685 13,936 6,686 207,828 24,573 13,358 4,459 196,497 22,588 11,922 4,648 180,268 
Bermuda125 17 38 277 (767)(636)5 1,917 150 (45)– 2,086 
Colombia1,360 361 405 4,593 1,265 240 339 3,402 854 199 193 4,060 
Bolivia735 211 152 10,176 1,065 346 201 13,121 1,028 328 122 12,784 
Panama 404 131 18 3,963 356 129 29 4,758 384 174 31 5,580 
Chile234 77 102 2,382 208 16 88 1,132 129 2 75 778 
United States of America42 – 7 20 38 – 9 17 29 – 14 19 
Cayman Islands532 574 30 76 734 662 – 268 503 358 – 154 
Others (****)(4,562)(591)(1)(1,049)– – – – – – – 4 
Total consolidated28,555 14,716 7,437 228,266 27,472 14,115 5,130 221,112 25,665 12,938 5,083 205,733 
(*)As of December 31, 2025, it includes the total of interest and similar income, other income, insurance and reinsurance results, and medical services results. As of December 31, 2024 and 2023,
it includes the total of interest and similar income, other income, and insurance and reinsurance results.
(**)Operating income includes the income from interest and similar expenses from banking.
(****)Non-current assets consist of property, furniture and equipment, intangible assets and goodwill and right-for-use assets, net.
(****)Includes other countries such as Mexico, adjustments and eliminations.