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Rating Scale Peru Brazil Chile Colombia México
AA- / Aa3 *+7
A+ / A1 *+6
Moody's
(stable)
S&P (stable)
A / A2 *+5 Fitch (stable)
A- / A3 *+4Moody's
(stable)
Moody's
(negative)
BBB+ / Baa1 *+3S&P (stable)
Fitch (stable)
S&P
(negative)
BBB / Baa2 *+2
Moody's
(stable)
Fitch
(negative)
Fitch (stable)
BBB- / Baa3 *+1 S&P (stable)
BB+ / Ba1 *-1
BB / Ba2 *-2Moody's
(stable)
BB- / Ba3 *-3S&P (stable)
Fitch (stable)
3.3
6.1
4.9
1.2
8.8
0.9 0.7
3.4
1.52.2
0.3
4.6
8.2
5.5
4.3
-3.0
1H
04
1H
05
1H
06
1H
07
1H
08
1H
09
1H
10
1H
11
1H
12
1H
13
1H
14
1H
15
1H
16
1H
17
1H
18
1H
19
Project MetalInvestment
(USD millions)State
Quellaveco Copper 5,300
Mina Justa Copper 1,600
Toromocho Expansion Copper 1,300
Zafranal Copper 1,200
Los Chancas Copper, Molybdenum 2,800
Rio Blanco Copper 2,500
Pukaqaqa Copper 700
Magistral Copper 500
Pampas de Pongo Iron 2,500
Michiquillay Copper 2,500
Corani Silver 600
Tía María Copper 1,400
Galeno Copper 3,500
Conga Copper, Gold 4,800
Total 31,200
ProjectInvestment
(USD millions)State
Major 12,500
El Niño Reconstruction 7,900
Southern Peruvian Pipeline 4,600
Airports 2,160
Jorge Chávez Expansion 1,500
Chinchero Airport 660
Irrigation 1,265
Majes Siguas II 550
Chavimochic III 715
Ports 770
Chancay Port - Phase I 420
San Martín General Port 250
Salaverry Port - Phase I 100
Railways 5,600
Line 2 Lima's Metro 5,600
Roads 2,400
Sol Highway 400
Lima Periferical Ring 2,000
Total 24,695
-2.0
-1.0
20
11
20
12
20
13
20
14
20
15
20
16
20
17
20
18
20
19
20
20
20
21
15.0
16.0
17.0
18.0
19.0
20.0
21.0
22.0
23.0
20
13
20
14
20
15
20
16
20
17
20
18
20
19
20
20
20
21
20
22
20
23
Others
Detractions and Excise Tax increase
Evasion and ellusion measures
46
Digital
Personal loan
Yape
Digital letter of
guarantee
BCP refreshes
its image
Project Samay
starts
Samay´s rollout:
Purpose, Aspiration and
Cultural Principles
Discovered our
main strategic
weakness:
Customer
Experience
Set up our Innovation
Center to create a
distinctive
experience via digital
Set up our Big
Data Center of
Excellence
Lauched a
group of
initiatives to
start cultural
change
Self-service
account
openingWOW!
DIGITAL
TRANSFORMATION
Transform plans
into realityIncorporated new
workstreams:
Digital Risk, Digital
Operations,
Distribution model
and Governance
2014 2015 2016 2017 2018 Q2 2019
Defined
objectives and
key results for
2021
Q1 2019
1st Bank in customer
satisfaction –
Consumer segment
Launched
Agile @
Scale
workstream
Samay´sbehaviors
rollout
First Alliance
with a startup
- Rankmi
Savings and credit cards
digital onboarding
>1MM Yape
users
47
BCP’s Wow! Key Results
60% customer
satisfaction
Cost/Income
ratios
improvement to
mid-thirties
70% of sales
served digitally
Duplicate
cross-sell for all
customers
Pre-approve
50% of EAP
Source: Credicorp ltd earnings conference call presentation as of June 30, 2019; BCP’s transformation program September 2018
(1) Consumer Banking Customers who buy online or make 50% of their monetary transactions online or 50% of their non-monetary transactions online in the last 12 months.
(2) Off-branch: Digital (Yape, mobile banking and internet banking, office banking) Self-Served (POS, Call center, ATM, Kiosk).
Scalable Digital Platforms that Continue to be Developed for Current and Future Client Needs
BCP is focused in boosting digital
experience, adoption and
customer satisfaction, creating the Wow!
experience in their multiple digital banking
platforms
0.2 0.2 0.3 0.4
0.7
1.1
1Q18 2Q18 3Q18 4Q18 1Q19 2Q19
Yape! users (million)
The Yape! success story
51% 38%
40% 58%
2Q16 2Q19
Self-served
Strong Digital Clients Evolution (% of Total Clients)(1) Off-Branch transactions (% of total transactions)(2)
21% 24%31% 34%
2016 2017 2018 2Q19
91% 96%+13%
#1 in
employee
experience
▪
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▪
▪
▪
▪
▪
53
Customer
Consumer segment
54
Digital Journeys▪ Yape
▪ Digital labs
▪ Digital Marketing
Customer
Experience▪ Customer journeys
▪ Data architecture
▪ Advanced Analytics
▪ Big Data labs
Data & Analytics
▪ Next-gen architecture
▪ IT infrastructure optimisation
▪ Cloud, APIs, and Ecosystems
▪ EfficiencyIT
Culture & Leadership
▪ Change Management
▪ Talent strategy
▪ Communication
Digital Risk
▪ Digital Risk capabilities
▪ Cybersecurity program
Digital Ops
▪ Digitization and automation of
operating processes
Distribution model
▪ Distribution model transformation Governance
▪ Capex and Opex governance
Agile @ Scale
▪ Agile organisation
´