Credicorp Ltd 2025年年度报告和过渡报告

FORM20-F ☐REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THESECURITIES EXCHANGE ACT OF 1934OR☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934For the fiscal year endedDecember 31, 2024OR☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934OR☐SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIESEXCHANGE ACT OF 1934Date of event requiring this shell company report ______________For the transition period from ________ to _______Commission file number1-14014 CREDICORP LTD. (Exact name of registrant as specified in itscharter) BERMUDA(Jurisdiction of incorporation or organization) Of our subsidiaryBanco de Credito del Peru:Calle Centenario 156La Molina15026Lima,Peru(Address of principal executive offices) Alejandro Pérez-ReyesChief Financial OfficerCredicorp LtdBanco de Credito del Peru:Calle Centenario 156La Molina15026Lima,PeruPhone (+511)313 2000 Securities registered or to be registered pursuant to Section 12(b) of the Act. Securities registered or to be registered pursuant to Section 12(g) of the Act.None Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act.None Indicate the number of outstanding shares of each of the issuer’s classes of capital or common stock as of the close of the period covered by theannual report. Common Shares, par value $5.00 per share94,382,317 Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or15(d) of the Securities Exchange Act of 1934. Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Actof 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has beensubject to such filing requirements for the past 90 days. Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant toRule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant wasrequired to submit such files). Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging growthcompany. See the definitions of “large accelerated filer,” “accelerated filer,” and “emerging growth company” in Rule 12b-2 of the ExchangeAct If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registranthas elected not to use the extended transition period for complying with any new or revised financial accounting standards†provided pursuantto Section 13(a) of the Exchange Act☐ † The term “new or revised financial accounting standard” refers to any update issued by the Financial Accounting Standards Board to its AccountingStandards Codification after April 5, 2012. Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of itsinternal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accountingfirm that prepared or issued its audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrantincluded in the filing reflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive basedcompensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing: If “Other” has been checked in response to the previous question, indicate by check mark which financial statement item the registrant haselected to follow. Item 17☐Item 18☐ CONTENTCONTENT2PRESENTATIONOF FINANCIAL INFORMATION10CAUTIONARY STATEMENT WITH RESPECT TO FORWARD-LOOKING STATEMENTS12PART I14ITEM 1. IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS14ITEM 2. OFFER STATISTICS AND EXPECTED TIMETABLE14ITEM 3. KEY INFORMATION143. ASelected Financial Data143. BCapitalization and Indebtedness173. CReasons for the Offer and Use of Proceeds173. DRisk Factors17Macroeconomic Risks19Legal and Regulatory Risks35Industry and Market Risks40Business Performance Risks46Operational Risks51Environmental, Social and Governance Risks52ITEM 4. INFORMATION ON THE COMPANY544. AHistory and development of the Company544.