{"product_id":"credicorp-business-model-canvas","title":"Credicorp Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp Business Model Canvas: Quick Snapshot + Editable Word\/Excel Download\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eDiscover Credicorp’s strategic engine with our concise Business Model Canvas snapshot—highlighting its value propositions, customer segments, and revenue levers—and unlock the full downloadable Canvas for a complete, editable breakdown in Word and Excel to use for benchmarking, investor decks, or strategic planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Strategic Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp sustains strategic alliances with international banks and regional partners to process cross-border transactions and trade finance, supporting Credicorp Capital’s presence in Chile, Colombia, and Panama where it served over $4.2bn in client AUM in 2024. By linking with global banks and IFIs, Credicorp enables corporate clients’ access to international capital markets and diverse instruments, contributing to a 12% YoY increase in cross-border transaction volume in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Digital Ecosystem Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp partners with fintechs and tech providers to power Yape; by 2024 Yape reached ~14 million users in Peru and processed over US$5.2 billion in annualized TPV (total payment volume), integrating utility bills, mobile top-ups, and e-commerce checkout to boost stickiness.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Reinsurance Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePacifico Seguros, within Credicorp, cedes roughly 25–35% of large industrial and commercial exposure to a panel of global reinsurers, giving capacity for policies exceeding S\/200m and protecting solvency ratios (SBS target \u0026gt;150%) during catastrophes; partnerships include real-time actuarial data sharing and joint risk models that helped keep combined ratios near 94% in 2024, supporting competitive premiums and steady balance-sheet capital.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail and Distribution Affiliates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCredicorp extends reach via retail chains and over 125,000 Agentes BCP (third-party agents) in pharmacies and grocery stores, avoiding branch costs while boosting financial inclusion in remote Peruvian and Andean communities.\u003c\/p\u003e\n\u003cp\u003eThese points handle cash deposits, withdrawals, and bill payments for roughly 6 million monthly transacting customers, forming a primary physical touchpoint that reduced branch cash transactions by about 38% in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e125,000+ Agentes BCP network\u003c\/li\u003e\n\u003cli\u003e~6 million monthly transacting customers (2024)\u003c\/li\u003e\n\u003cli\u003eLocated in pharmacies, groceries, retail chains\u003c\/li\u003e\n\u003cli\u003eSaved branch cash transactions by ~38% in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Regulatory Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCredicorp partners with Peru’s SBS (Superintendencia de Banca, Seguros y AFP) and regional central banks via public-private programs to boost financial inclusion—supporting projects that reached ~2.3 million new accounts in 2024 and helped lower unbanked rates by ~1.8 percentage points nationwide.\u003c\/p\u003e\n\u003cp\u003eThese partnerships ensure compliance with evolving Basel III-aligned rules and enable Credicorp’s role in national development lending; regulatory engagement supported a CET1 capital ratio of 16.2% at FY2024, aligning growth with macroeconomic policy.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2.3 million new accounts (2024)\u003c\/li\u003e\n\u003cli\u003e-1.8 pp unbanked rate (2024)\u003c\/li\u003e\n\u003cli\u003eCET1 ratio 16.2% (FY2024)\u003c\/li\u003e\n\u003cli\u003eActive SBS \u0026amp; central bank collaboration\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp scales cross‑border finance \u0026amp; Yape to $5.2B TPV, 14M users, $4.2B AUM\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCredicorp leverages banks, IFIs, fintechs, reinsurers, 125k+ Agentes BCP and regulators to scale cross-border finance, Yape payments, insurance capacity and inclusion—driving $4.2bn AUM (Credicorp Capital, 2024), ~14M Yape users, US$5.2bn TPV, 6M monthly transactors, 2.3M new accounts and CET1 16.2% (FY2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCredicorp Capital AUM\u003c\/td\u003e\n\u003ctd\u003e$4.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape users\u003c\/td\u003e\n\u003ctd\u003e~14M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape TPV\u003c\/td\u003e\n\u003ctd\u003e$5.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMonthly transactors\u003c\/td\u003e\n\u003ctd\u003e6M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNew accounts\u003c\/td\u003e\n\u003ctd\u003e2.3M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e16.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, investor-ready Business Model Canvas for Credicorp detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure, and risk factors tied to Peru and regional operations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Credicorp’s business model with editable cells to quickly pinpoint banking, insurance, and asset management synergies and relieve strategic alignment pain points.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUniversal Banking Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe core activity is managing Banco de Credito del Peru (BCP), running lending, deposits, and payments while steering liquidity and interest‑rate spreads across a loan book of ~S\/120 billion (2024), with consumer and commercial loans ~65% of total assets.\u003c\/p\u003e\n\u003cp\u003eOperations prioritize high asset quality—NPL ratio 2.1% (2024)—while expanding credit in a recovering Peruvian economy, targeting mid-single-digit loan growth and stable ROE near 15%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Platform Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredicorp invests heavily in continuous development and scaling of digital assets, led by the Yape ecosystem, funding software engineering, UX design, and embedding micro-loans and insurance; Yape had ~10.5M users and processed ~S\/40bn (Peruvian soles) in 2024 transactions, making digital development a primary driver for low-cost transactions and new-customer acquisition.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicrofinance Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThrough Mibanco, Credicorp provides specialized lending and services to micro and small enterprises, using a high-touch credit model that assesses informal cash flows and delivers financial education; Mibanco reported S\/6.2 billion in loans to MSEs in 2024, up 8% YoY. This labor-intensive, high-margin segment (net interest margin ~12% in 2024) differentiates Credicorp from commercial banks and drives client loyalty.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Banking and Asset Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCredicorp Capital runs advisory on M\u0026amp;A, capital markets issuance, and wealth management for HNWIs, generating fee income—2024 fees ~US$320m, with Andean market share ~45% in investment banking advisory in Peru and Colombia.\u003c\/p\u003e\n\u003cp\u003eThese services need advanced market analytics and regional regulatory expertise to deliver bespoke solutions that sustain recurring fee-based revenue.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 fees ~US$320m\u003c\/li\u003e\n\u003cli\u003eAndean IB advisory share ~45%\u003c\/li\u003e\n\u003cli\u003eFocus: M\u0026amp;A, ECM\/Debt, wealth mgmt\u003c\/li\u003e\n\u003cli\u003eRequires market intel + regulatory compliance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpacross credicorp risk management underwrites credit market and operational exposures using portfolio limits stress tests capital models in the group held a cet1 ratio of loan loss provisions pen to absorb shocks.\u003e\u003cpfor pacifico seguros actuarial underwriting sets premiums with loss-ratio targets near while firm-wide ai and analytics cut predicted default-rate error by improving risk-return across its multinational book.\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eGroup CET1 ≈ 14.6% (2024)\u003c\/li\u003e\n\u003cli\u003eLoan loss provisions PEN 4.2bn (2024)\u003c\/li\u003e\n\u003cli\u003ePacifico target loss ratio ~65%\u003c\/li\u003e\n\u003cli\u003eAI reduced default-rate error ~18%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pfor\u003e\u003c\/pacross\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredicorp: Robust 2024 performance—strong CET1, digital scale via Yape, solid ROE\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: run BCP banking (loan book ≈ S\/120bn; NPL 2.1%; target mid-single-digit loan growth; ROE ~15%), scale digital payments via Yape (≈10.5M users; S\/40bn txns 2024), Mibanco MSE lending (S\/6.2bn loans; NIM ~12%), Credicorp Capital fees ≈US$320m (Andean IB share ~45%), group CET1 ≈14.6%; provisions PEN4.2bn.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book\u003c\/td\u003e\n\u003ctd\u003eS\/120bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL\u003c\/td\u003e\n\u003ctd\u003e2.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYape users\/txns\u003c\/td\u003e\n\u003ctd\u003e10.5M \/ S\/40bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMibanco loans\u003c\/td\u003e\n\u003ctd\u003eS\/6.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees (Credicorp Capital)\u003c\/td\u003e\n\u003ctd\u003eUS$320m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e14.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe Business Model Canvas previewed here is the actual Credicorp document—you’re not looking at a mockup or marketing sample, but a live snapshot of the file you’ll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you’ll get this exact, fully editable Business Model Canvas in its entirety, formatted and structured the same way for immediate use in presentations, analysis, or editing.\u003c\/p\u003e\n\u003cp\u003eWe share this preview for transparency: no hidden pages, no placeholders—what you see is what you’ll download and own.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56748668780921,"sku":"credicorp-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/credicorp-business-model-canvas.png?v=1772210409","url":"https:\/\/growthsharematrix.com\/products\/credicorp-business-model-canvas","provider":"Growth Share Matrix","version":"1.0","type":"link"}