INTRODUCTION

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 GLOSSARY

Content
INTRODUCTION........................................................................................................................ 1
GLOSSARY.................................................................................................................................. 2
BANK OF CREDIT OF PERU.......................................................................................... 4
DEFINITION................................................................................................................................ 4
MISSIONN ...................................................................................................................... 4
BUSINESS DESCRIPTION.............................................................................................. 5
Economic Group................................................................................................................... 5
Shareholder Compositiona........................................................................................................ 6

Competitive Position............................................................................................................. 8
Retail Banking................................................................................................................ 9
Distribution channelsn................................................................................................... 9
FINANCIAL ANALYSISO ..................................................................................................... 10
Profitability....................................................................................................................... 11
STRATEGIC PLAN........................................................................................................ 12
Principles:.............................................................................................................................. 12
Corporate Strategies: ................................................................................................ 13
General Objectives:........................................................................................................... 13
Specific objective:.............................................................................................................. 13
SWOT14
Fortresses: ......................................................................................................................... 14
Opportunities:................................................................................................................. 14
weaknesses....................................................................................................................... 14
Threats:.......................................................................................................................... 15
Target Markets:............................................................................................................ 15
Segments:........................................................................................................................... 15
Operational plan....................................................................................................................... 15
Product: Savings accounts, Checking accounts, and credit cardso .................. 15
Zero Balance Account BCP............................................................................................................. 16

Current account17
Square:29
Agencies:
ATMs........................................................................................................ 31
BCP Agents..................................................................................................................... 31
Online Bankingt 31
Telephone banking............................................................................................................... 31
Microfinance institutions................................................................................................................ 36
International Organizations and Non-Governmental Organizations (NGOs)..... 37
Central, Regional, and Local Government............................................................................... 37
BANK OF CREDIT OF PERU

DEFINITION
The Peruvian Banco de Crédito (BCP) is the largest bank in the country and forms
part of the local financial conglomerate Credicorp. BCP offers a wide range
of banking products and services for individuals, SMEs, and companies, such as
also for government entities, microfinance institutions, and organizations
international. Its wholesale banking division encompasses the operations of
business, corporate, and institutional banking. Their services and products
includes leasing, corporate financing, foreign trade and services for
companies. The bank also provides a range of retail banking services
such as mortgage loans, credit cards, savings products, and
products for SMEs including revolving credit, fixed credit, leasing and
financing of fixed assets. Their asset management solutions include
from trusts, custody services, portfolio management of
investments up to securities brokerage. The bank has a subsidiary in Bolivia
and branches in Miami, Florida (USA), Chile, and Panama.

MISSION
Promote the success of our clients with appropriate financial solutions
for your needs, facilitate the development of our collaborators, generate
value for our shareholders and support the sustained development of the country. To be the
Leading bank in all segments and products we offer.
BUSINESS DESCRIPTION

In the year 2002, the Bank underwent a corporate identity change with the
introduction of a new logo based on its attributes of solidity,
flexibility and trust.

In December 2002, the Bank of Credit of Peru, through an Offer

Acquisition Public, acquired 99.94% of the shares of
Banco Santander Central Hispano Peru, which included the Society
Mutual Fund Administrator and proceeded with its absorption merger.
same that culminated in March 2003 with the integration of the systems of
both entities.

In March 2003, the Banco de Crédito del Perú acquired 45% of the
shares of Solución Financiera de Crédito S.A., which belonged to the Bank of
Credit and Investments of Chile and other foreign shareholders, operation that
allowed him to reclaim his position as the sole shareholder of it. The process of
The absorption was completed in February 2004. This allowed the Bank
strengthen your strategy to focus on loans to small and micro enterprises,
for which it has a specialized area as well as an efficient structure of
costs that support growth and competitiveness in these segments.
In 2005, BCP acquired the credit portfolio (including interest) of
BankBoston N.A. Peru Branch, both locally and offshore for a
import equivalent to US$360 million.
As of July 2009, the assets and liabilities of Credileasing became part of
part of the bank accounts.

Economic Group
The Credit Bank offers specific products through its subsidiaries.
which together belong to the holding Credicorp.
Share Composition
The share capital of the Bank as of June 30, 2009 totaled S/.2,228.3 million,
with the following composition:

Credicorp Ltd. is a limited liability holding company incorporated

in Bermuda in 1995, primarily consisting of Banco de Crédito del Perú,
Peruvian Pacific Switzerland Insurance and Reinsurance Company, Atlantic Security
Holding Corporation and Grupo Crédito, shareholder of Prima AFP.
The Directory is composed of the following members:
The main executives of the Bank are:
The organizational model of the entity is based on four Management areas.
Control centers. As shown below:

Competitive Position
The business units of the Banco de Crédito del Perú are
oriented towards providing services to their clients through:

Wholesale Banking
composed of three business units, Business Banking, Corporate Banking,
and Institutional Banking, which aim to provide services to customers
corporate through four areas that complement the activities, such as
son

Leasing: specializes in the financing of medium and long-term operations

deadline for medium-sized companies, focused on business development of
financial leasing.

Corporate Finance: specialized unit in banking activities

investment and financing for large companies that offers three services
i) structuring of primary emissions, ii) medium-term loans and iii)
restructuring advisory, mergers and acquisitions.
International Business: manages business with the main ones
financial institutions of the world, seeking the best conditions for the
operations with the bank's clients and offers foreign trade services,
and Services for Companies: it is dedicated to the development and marketing of
transactional services such as collection, payments, provision of
information services and liquidity management for business clients and
institutional.

Retail Banking
provides services to individuals and small businesses with annual sales
less than US$1.5 million, with the aim of establishing profitable relationships
long-term relationships with clients through strategies aimed at satisfying the
specific needs of each segment. For better attention has
classified their clients into:

Consumer Banking serves about 2.5 million customers by offering them

credit products such as mortgage loans and credit cards,
in addition to savings products such as mutual funds, using a
cross-selling strategy of products.

Exclusive Banking manages a select group of individuals who are

keys for the Bank due to the high volume of active and passive business that
they generate.
Small Business Banking The bank offers a range of products that include
working capital with revolving and non-revolving credit products
financing of fixed assets and leasing operations,
discount of letters among others.
The Business Bank serves approximately 10,000 clients who invoice
annual sales between US$300 thousand and US$1 million.

Distribution channels aim to continue with the banking process

through the incorporation of segments currently not served by the
banking, as are the socioeconomic sectors C and D. The sales force is
find under the Commercial Division, while planning and management under the
Marketing Division.

Asset Management
is responsible for the functions of Trusts, Securities Custody,
Portfolio Management and Securities Intermediation.
It also analyzes the main macroeconomic variables and of
market in order to provide advice on operations in the market of
values.
As of June 2009, BCP has a network of 335 branches nationwide and 2
branches abroad, being the largest private network in the system
financial in which 16,433 employees work, also having a network
of 950 ATMs throughout Peru and 2,262 BCP agents.

FINANCIAL ANALYSIS

During the first months of 2009, the Peruvian economy began to feel
the effects of the international financial crisis, recording a
deceleration in various economic sectors. In that sense, the system
financial, after several periods of growth showed a reduction
significant in its growth rate.

In this context, the Credit Bank of Peru reported a decline in its

gross placements of 3% during the first half of 2009.
As of June 30, 2009, the Bank remains in first place within the
national banking system regarding public deposits, placements
gross and assets.
Profitability
As of June 30, 2009, BCP's net profit totaled S/.538.7 million.
18% lower than that recorded in the same period of 2008 due to
mainly from i) a greater accumulation of provisions due to deterioration
that shows the portfolio and ii) increase in income tax as
consequence of the lower investments in certificates of deposits of
BCR.
The following are the main profitability indicators of
Bank.

On the provisions side, by June 2009 they recorded an increase of

114% compared to the first half of 2008 due to growth in the
delinquent portfolio, going from representing 5% of financial income to
10%.
Operating expenses as of June 2009 were S/.756.4 million, 25%
higher than those recorded in the same period of the previous year, in line with the
growth of the network of agencies and other customer service channels of the Bank. The

efficiency ratio measured through the indicator operating expenses / income

financials rose from 48.7% to 53.7% between June 2008 and June 2009,
 similarly, the efficiency of the bank measured as gross placements / number of
personal decreased from S/.1.93 million to S/.1.91 million during that period.

As a consequence of the reduction in the benchmark rate established by the

BCR, the bank quickly adjusted its passive interest rates, which allowed it
it allowed to improve its spread from 59.0% to 64.4%. However, it is expected that in

In the coming months, the gross financial margin will face some pressure as
consequence of the lower active rates that will benefit the sector
corporate.

STRATEGIC PLAN

Mission: Serve the customer

To be a simple, transactional, profitable bank with personnel
highly skilled and motivated.

Values:
The client: We are devoted to our clients.

Ethics: We are an institution with integrity, with honest people.

responsible.

Our people: We have the best professionals, we encourage

its development and entrepreneurial potential.

- Innovation: We continuously innovate to respond to the

market requirements.

Principles:
Dedication
Accessibility
Flexibility
 Corporate Strategies:

Reach our customers

Have an attractive product offer
Expand the offer of transactional services
No compromises on service quality
Do not lose sight of the quality of the credit portfolio

General Objectives:

Be an organization with a horizontal and participative management style, that

involve our collaborators in an active way, and where the work of
direction is understood as the development of people that add value to them
same and to the organization.

Define quality based on the perception that our stakeholders have of it.
external and internal, in the search for balance between the orientation towards
client and business orientation. Be clear, transparent, and simple in
our prices and services and evolve from transactional banking.

Having a multidirectional communication, characterized by the

cordiality and warmth in the treatment and that, in turn, has channels
efficient and effective. Promote a teamwork style, with
continuous recognition.

Specific objective:

That the BCP focuses on an accelerated development process and

growth of Retail Banking, through an offer of
products, prices, and distribution channels suitable for
needs of our customers.
FODA

Strengths:
It is the first Peruvian Bank, with more than 120 years.

It has the largest attention chain nationwide.

It is a bank recognized worldwide for its solidity,
reliability, and a high level of customer service.
It has highly trained professionals.
It is the only Peruvian Bank with branches in Panama, Bolivia, and
US. (coming soon in Asia).
They provide practical and quick solutions to the needs of the
clients.
He is a pioneer in the launch of banking products and services.

Opportunities:
Creation of new alternatives regarding the channels of
attention.
Growth in placements and investments.
Staff dedication to facilitate the activity for the client
banking.
Continue with the extensive training of the staff.
Continue with motivation and creating an adequate atmosphere.
labor for the internal client.
Conduct research to create products that provide
better customer comfort.
Continue promoting the use of electronic banking.

Weaknesses:
Due to the large market share, the Quality of service,
is affected by congestion in the processes.
Threats:
New arrival of World Banks
Piracy of projects, products, and services that it offers.
Attacks against their private information networks.
Political Risk.
Global crises.

Target Markets:

The target market of BCP is the economically active population between the
18 and 68 years old.

Segments:

Directed to the general public, with the exception of people with

background of terrorism, drug trafficking, and money laundering.

Operational plan

Savings accounts, checking accounts, and credit cards

First BCP Account

First BCP Account, the ideal account to start saving. It opens without
minimum amount. Open it with ZERO soles.
We recommend this account, if you don't want to pay maintenance have the
your balance.
Monthly account maintenance: S/.0 or US$0 always, regardless of the balance
may you have.
Monthly maintenance of Credimás debit card: S/.0 or US$0 always.
Free operations at BCP Agents (deposits, withdrawals, and service payments):
All.
Free withdrawals at BCP ATMs: All.
Free operations in Phone Banking, Balance and movements module,
Internet Banking and Mobile Banking: All.
Free deposits at the counter per month: 1 deposit per month. In this way
you can save your money and bring it once a month to BCP. If you need to make
we recommend that you make more deposits through BCP Agents.
Free withdrawals at the window: None.
Cost per additional operation at the counter: S/.7 or US$ 2 per operation.
Tasa efectiva anual: 0.25% en soles y 0.125% en dólares.

Zero Balance BCP

If you want to save without paying maintenance and you maintain an average balance.
monthly greater than S/. 900 or US$300 this is the account for you. With this account
you will have access to a higher interest rate.

Account maintenance: S/7.00 or $2.00 per month only if your average balance
monthly is less than S/.900 or US$300. If what you want is an account that does not
I charged you a maintenance fee because your average monthly balance is less than S/.900.

With US$300, we recommend migrating to the First BCP Account.

Debit card maintenance: S/.0 or US$0 always.
Free operations at BCP Agents (deposits, withdrawals, and bill payments):
All.
Free operations at BCP ATMs: All.
Free operations in Telephone Banking, Balance Module and Banking by
Internet and Mobile Banking: All.
Free deposits at the counter per month: 10 deposits.
Free Withdrawals at the Counter: None.
Cost for additional counter operation: S/.3.5 or US$1 per operation.
Tasa efectiva anual: 0.5% en soles y 0.25% en dólares.
All deposits and withdrawals you want to make are free in our
ATMs and BCP Agents.

BCP Free Account

If you want to make more free transactions at the counter paying only S/.7 or
US$2 for maintenance, this is the account for you.

Free deposits at the counter per month: 10 deposits.

Free withdrawals at the counter per month: 10 withdrawals.

Free operations at BCP Agents (withdrawals, deposits, and payment of services):

All.
Free operations at BCP ATMs: All.
Free operations in Phone Banking, Balance Module, Banking by
Internet and Mobile Banking: All.
Cost for additional operation at the counter: S/.3.5 or US$1 per operation
Account maintenance: S/.7 or US$2.
Debit card maintenance: S/.0 or US$0 always.
Annual effective rate: 0.125% in soles and 0.125% in dollars.

Current account

The checking account gives you the option to make deposits in soles and dollars.
that allow you to manage your money and perform multiple
payment transactions.
We put all the advantages of a checking account at your disposal:
Our Credimás debit card allows you to carry out banking operations.
with the greatest agility and to shop at thousands of establishments.
Safely endorse the most accepted checks in the Peruvian market.
Pay for your services (electricity, water, landline and mobile phone, clubs, cable, etc.) with the

Automatic Debit. This automatically charges your account monthly and without
any cost.
Receive your monthly statement with detailed information about your
movements.
In addition, you can make your inquiries at any time through
our channels VíaBCP: Phone Banking VíaBCP 311-9898, ATMs
Automated ViaBCP, Balances and Movements ViaBCP and Online Banking
VíaBCP.
You have multiple free transactions per month: Up to 8 at the Counters
(includes: Cash Operation, Checks, Manual Charges).

Up to 15 at ATMs ViaBCP.
Up to 15 in Telephone Banking ViaBCP.
Up to 15 in Balances and Movements ViaBCP.
All in Internet Banking ViaBCP.

Term deposit

They are deposits in soles or dollars, for natural and legal persons, that
you keep in the bank for a set period of time, earning interest
higher than those of a Savings Account, according to the amount and time of
duration of the deposit, and also offering credit facilities when serving
as a guarantee of credits.

Foreign Currency Bank Certificate

Bearer instrument issued against the delivery of cash (dollars).

We offer you the following advantages:
Payment of interest rates and agreed until maturity.
It can be used as a means of payment (it is negotiable in the country and in the
foreigner). You can deposit it and withdraw it from custody at any of our
national agencies. We offer you the possibility to capitalize interests
in the same certificate or transfer them to other accounts upon maturity.
Acquire it at any of our offices, and upon expiration or cancellation.
you can deposit it into a checking or savings account.
It serves as collateral for loans.
Terms of 30, 60, 90, 180, and 360 days.

CTS

The CTS account consists of deposits that, by law, correspond to every worker.
as a social benefit, for the time of service provided to a company. The
deposit, made by the same company, serves as a precautionary fund in case
of cessation.

The Credit Bank has the necessary strength to provide you with more.
security for your CTS, in addition to giving you free access to your money.

It doesn't matter the currency in which you receive your salary, you are the one who decides if you receive

your CTS in an account in soles or dollars, as well as the bank where you want
open it.

You can choose to have your CTS in soles or dollars.

From the first day, the account earns interest month by month.
You have the ability to withdraw money whenever you wish at any of
our agencies at the national level or through ATMs.
You can make payments online and transfer money between accounts.
With the Credimás card, you will be able to obtain information about your balances and

movements through our VíaBCP service channels: ATMs

BCP Salary Account

Receive your salary through BCP and get the following benefits:
Better conditions in BCP Salary Account: Zero maintenance cost
5 withdrawals per month at counters for free
All your withdrawals at ATMs and BCP Agents are free
All your deposits at BCP Windows and Agents are free

The magazine Cuenta Sueldo BCP, with discount coupons of up to 50% on

restaurants, shops, travel agencies, etc.
Greater access and better conditions in our products, we demand
fewer requirements and we give you a higher amount and term for payment.

Special conditions with your CTS, if in addition to having your Salary Account,
if you have your CTS from BCP, you will have better interest rates on your CTS and better

discounts in our magazine.

Old Savings Accounts

The Master Account combines the benefits of a savings account with the
facilities of a dual currency checking account with preferential exchange rate and
it also allows you to make free transactions per month. It is the perfect account
for people who manage balances necessary to be profitable in this
product and that perform operations in soles and dollars. It is now a Plan of
Exclusive Savings that offers you multiple benefits:

Regardless of the account currency, you can carry out all your transactions in
soles and dollars.
It offers you an attractive interest rate, higher than that of all other Plans
of Savings.
It offers you an exclusive preferential exchange rate for operations.
made with the account.
You have two checkbooks (soles and dollars) regardless of the currency of the
account.
You can request an overdraft line, which must be approved by your
Business Executive. Only BEX clients can access this benefit.
You receive a complete statement monthly, detailing all
deposits, withdrawals, transfers, exchange rate, reconciliation
of checks, etc. Additionally, you can obtain information through
our channels of attention viaBCP: ATMs, Balances and
Movements, Telephone Banking 311-9898, Internet Banking and all our
network of offices.
You have multiple Free Transactions per month:

Up to 10 at the counter (5 in cash and 5 in checks)

Up to 15 at VíaBCP ATMs.
Up to 15 in Balances and Transactions via BCP.
Up to 15 in Phone Banking ViaBCP.
All in Internet Banking ViaBCP.

We show you some examples so you know how to calculate the interests of
a Master Account. Click here.

If you have a Master Account at BCP and want to switch to the Free Account
Zero Cost Account, request it at any of our offices.

Salary advance

The salary advance from BCP is the easiest way to get extra money.
for when you need it:

We advance you up to S/. 400 or US$ 140. This amount is subject to a

evaluation. The amount may vary monthly. The amount available as
Salary advance will be informed on the same screen of the ATM.
prior to its use.

We do not charge you interest, maintenance, or membership fees. We only charge you S/.
12 or US$ 4 each time you use the Salary Advance. If you do not use it, there is no charge.

any cost.
To make the payment you will not have to come to our offices, it is deducted
automatically from your next Salary payment.
The membership is one-time only, meaning you do not have to call to join each time.
that you want to make use of your Salary Advance.

To use your Salary Advance, you just need to approach any

BCP ATM (after registration) to withdraw your money. To see the
steps to follow at the ATM click here.

You can access your advance whenever you need it. The only condition for
having your advance available as many times as you want means not having any outstanding debt from

Advance on Salary, that is to say the BCP must have collected the previous debt of
I advance it to you so that you can use it again.

There are no partial provisions for the Salary Advance. It is all or nothing.
Once deposited in your account, you will be able to make partial withdrawals.

Credit cards

Description: the campaign consists of granting a loan in

cash at a preferential rate for BCP credit card customers
Visa or Amex. The Preferred Cash will be disbursed using the line
available credit that customers have on their credit cards.
The main attributes of the Preferential Cash product are:

Flexibility (the customer can choose the transaction currency)

Simplicity (no credit evaluations are necessary)
Speed (disbursement in a maximum of 1 business day through the APC Web)

Characteristics:
 The Preferred Cash rate is the same rate as purchases
of the client, that is, the same rate that is applied when the client
make any consumption.
Some customers will have a special rate (it should be indicated on the website
Preferential rate: Plan 45 Installments
The only financing option is fixed monthly payments.
The financing period is from 6 to 36 fixed monthly installments.
The maximum amount to request is 95% of the available credit line.
It is necessary to leave a small margin to avoid overdrawing.
client for maintenance expenses and interest in your next
account statement.
The minimum amounts of Preferred Cash are S/. 700 or $ 200
for classic clients and S/. 1,400 or $ 400 for Golds, Amex Green and
Platinum.
The minimum Behavior Score to request an EP is 580 or 0 (Not applicable)
Score 0 for Mass or Classic cards

Price

Available credit line on the cards, with a minimum of 700 soles.

interest rates revolve around the different types of loans offered by the
bank.

Mortgage credit

If you want to buy your home, country house or beach house; or acquire land, the
The Mortgage Credit from Banco de Crédito BCP is your best option!

Excellent interest rates.

Mortgage Credit in dollars and soles.
Loans from US$ 10,000 or S/.32,000.
We finance:
Home purchase: Up to 90% of the property's value
Land and Beach House (if the land can be mortgaged): Up to 80%
of the property's value.
Country house or beach: Up to 60% of the property's value.

The longest term on the market: Up to 25 years to pay off your loan.

You can choose different rate schemes according to your preferences: you can
fix the rate for a maximum of 10 years and then tie it to the Limabor index.

Debt cancellation insurance that pays off the outstanding debt in case of
death of the credit holder (or death of the spouse, if you choose the
Joint Life Insurance). In addition, Property Insurance that you
protect against any unforeseen damage such as fires, earthquakes, or breakages
pipelines.

Choose between paying 12 or 14 installments a year, and choose to request the period of
thank you that best suits you (from 1 to 6 months), whether it is about future goods or

finished goods.

Mortgage Loan with Remittances

If you have a relative who lives abroad (parents, siblings, children or

spouse), and you receive money from remittances regularly; now you will be able to acquire the

desired property with the Mortgage with BCP Remittances.

To access the credit, you only need to demonstrate good behavior.

payment, through the monthly receipt and savings of remittances in the Account
BCP Mortgage Savings
The monthly amount to be remitted to the BCP Mortgage Savings Account must be,
at least equal to the amount of the installment to be paid for the loan.

Furthermore:

Excellent interest rates.

Credits in Dollars.

We finance:
Home purchase*: Up to 70% of the property's value.
Housing construction: Up to 70% of the project's value.
Maximum financing amount: US$ 60,000
The maximum term of the market: Up to 25 years to repay your loan.
You can choose different rate schemes according to your preferences: you can
fix the rate for a maximum of 10 years and then tie it to the Limabor index.

For BCP Projects, the maximum amount to be financed is 80% with 12

savings months for clients with and without support.

Home Ownership Credit

Characteristics

It is a nationwide program created by the government in order to allow the

access to home ownership for thousands of Peruvian families. This program
it represents an ambitious vision of social development with great
repercussions on the country's progress.

Banco de Crédito shares this important initiative and provides all its support
through the granting of Mortgage Loans, making dreams come true
from the own house of a segment of the population that until now has
found unattended.
Home Credit in soles
 The government grants a housing family bonus of up to S/. 17,750
UIT)
Loans from S/. 10,000 and up to 60% of the value of the property.
Maximum financing amount: S/. 29,820
Between 10 and 20 years to pay.
Debt insurance that cancels the outstanding debt in case of
death of the credit holder (or death of the spouse, if you choose the
debt protection insurance joint). Furthermore, Property Insurance that
it protects you against any unforeseen damage such as fires, earthquakes, or breakages

of pipes.
Choose between paying 12 or 14 installments per year, and opt to request the period of
Choose the option that suits you best (from 1 to 6 months), only if it is about a future good.

The property to be financed must be newly built and the construction value
must not exceed 14 UIT (approximately S/. 49,700)
The first sale will be understood as the first transfer of the property.
that builders and/or promoters carry out. They are not within this
definition of transfers made between legal entities, due to not having
these are the conditions of Beneficiary, nor those that they carry out by advance of
legitimate or inheritance.

Only the purchase of properties intended for housing will be financed.

Mortgage Credit with Local Savings

If you carry out a lawful economic activity and cannot formally support it
your income, now you will be able to buy the desired property with this product.

To access credit, you just need to demonstrate good behavior of

payment, through the monthly deposit and the savings of it in the Savings Account
BCP Mortgage.

The amount to be deposited in the BCP Mortgage Savings Account must be as

minimum equal to the amount of the installment to be paid for the credit.
Furthermore:

Excellent interest rates.

Mortgage Credit with Local Savings in soles
We finance:
Home purchase*: Up to 70% of the property's value
Housing construction: Up to 70% of the project value.
Maximum financing amount: S/.157,500
The longest term on the market: Up to 25 years to repay your loan.
You can choose different rate schemes according to your preferences: you can
set the rate for a maximum of 10 years and then tie it to the Limabor index.

For BCP Projects, the maximum amount to be financed is 80% with 12 months.
savings for customers with and without support.

Mortgage Credit for Housing Expansion

If you want to remodel or expand your home, the Mortgage Credit from the Bank of
BCP Credit is your best option!

Excellent interest rates.

Mortgage Credit in dollars and soles.
Loans from US$ 10,000 or S/. 32,000
We finance up to 60% of the property's value.

The longest term on the market: Up to 25 years to pay off your loan.
You can choose different rate schemes according to your preferences: you can
fix the rate for a maximum of 10 years and then tie it to the Limabor index

Disability insurance that cancels the outstanding debt in case of

death of the credit holder (or death of the spouse, if you choose the
Joint Life Insurance). Additionally, Property Insurance that you
protects against any unforeseen damage such as fires, earthquakes, or breakages.
pipes.

Choose between paying 12 or 14 installments per year, and opt to request the period of
grace that suits you best (from 1 to 6 months).

New Mivivienda Credit.

It is a nationwide program created by the government in order to allow

access to home ownership for thousands of Peruvian families. This program
it represents an ambitious vision of social development with great
repercussions on the country's progress.

The Credit Bank shares this important initiative and provides all its support.
through the granting of Mortgage Loans, making the dream a reality
from the own house of a segment of the population that until now has
was found unattended.

Mortgage credit for small and medium-sized enterprises

This Mortgage Loan responds to the particular needs of the

small and medium business entrepreneurs like you. In this way,
having your own house will make it much easier for you

Excellent interest rates.

Mortgage Credit for Small and Medium Entrepreneurs in soles
Loans starting from S/. 32,000
We finance the purchase of homes and land* up to 80% of the value
of the property.
Terms of up to 15 years
You can choose different rate schemes according to your preferences: you can
fix the rate for a maximum of 10 years and then tie it to the indexLimabor.
Decreasing Term Life Insurance that cancels the outstanding debt in case of

death of the credit holder (or death of the spouse, if you choose the)
Joint Disbursement Insurance). Additionally, Property Insurance that you
protects against any unforeseen damage such as fires, earthquakes, or breakages
pipes.
Pay 12 installments a year, and choose to request a grace period of up to 2
months at the beginning of the credit.

The property serves as collateral for the mortgage loan.

(*) Located in urban areas and intended for housing.

Square:
Servicesthrough which the client has access:

Agencies:

Royal Plaza Chiclayo Office

300 Miguel de Cervantes Avenue - Chiclayo
(074)229412 / (074)229422
Mon - Sat 10:00 am to 8:00 pm.

Chiclayo Open Plaza Office

Av. Víctor Raúl Haya de la Torre No. 250
(074)236912 / (074)236726
Mon - Sat 10:00 am to 8:00 pm.

Chiclayo Office
Av. Balta 630
(074) 234-472
Mon - Thu 9:00 am to 6:30 pm.
Fri, 15 and 30 from 9:00 a.m. to 7:30 p.m.
From 9:00 am to 1:00 pm.
 Pedro Ruiz Office
Av. Pedro Ruiz 949
(074) 221-447
Mon - Fri 9:00 am to 6:30 pm.
From 9:00 am to 1:00 pm.

Santa Victoria Office

Av. Sesquicentennial 255
(074) 271-758
Mon - Fri 9:00 am to 6:30 pm.
From 9:00 am to 1:00 pm.

Moshoqueque Office
Av. Bolívar 350
(074) 250-922
Mon - Fri 9:00 am to 6:30 pm.
From 9:00 am to 1:00 pm.

Leonardo Ortiz Office

Urban Development Francisco Bolognesi Block M Lot 15
(074) 255-372
Mon - Sat 9:00 am to 6:00 pm.
From 9:00 am to 1:00 pm.

Lambayeque Office
Avenida Ramón Castilla No. 840

(074)283192 / (074)283273
From 9:00 am to 1:00 pm.
Mon - Fri 9:00 am to 6:30 pm.
ATMs
Located in central areas of the city.

BCP agents
Located in authorized stores, pharmacies, and warehouses. There is always an agent.
near your house.

Online Banking

Comfort for our customers. You will be able to carry out operations without moving from

your PC.
Safe and reliable operations.
24 hours of service 365 days a year (except for payments that do not
They can be carried out between 9 PM and 6 AM the following day.

Telephone banking

Through our Phone Banking ViaBCP, you can make inquiries,

transfers, payments and other transactions with just one call. Dial 311-
9898 at any time and carry out your transactions by choosing between the
options that the self-guided system indicates to you or, if you wish, you can be
attended by one of our service advisors.
You can also access Telephone Banking ViaBCP directly
checking the following options:

Card blocking
98 Technical Support Internet Banking ViaBCP
100 Balances ViaBCP
101 Movements ViaBCP
102 Transfers (only with Credimás card)
103 Payments (only with Credimás card)

Customers with Classic Visa Cards, Classic LANPASS, Classic Primax,

Gold, Primax Gold, Gold LANPASS, Visa Platinum, Visa Platinum LANPASS, Visa
LANPASS Signature and Amex Classic, Amex Green, Amex Gold, Amex
Gold LANPASS and Amex Platinum with good credit behavior. I don't know.
include Business Cards.

Promotion

Special sales promotions

Here are the offers provided by the BCP credit cards - the company gives
the following benefits for each month, for example:

Deductions from salary

Discounts of up to 50% on various products and establishments.

Discounts to pamper mom

Buying mom's gift with your BCP Credit Card you

we offer exclusive discounts and promotions on the brands that she
prefer
 Receive S/.370 discount on COSAS

From March 22 to May 22, by paying your annual subscription to

COSAS magazine with your BCP credit cards, receive a check of
S/370.00 discount.

BCP and Domino's Pizza invite you to enjoy your favorite pizza

Shopping at Domino's Pizza, with your Gold, Signature Credit Cards

With BCP Platinum, get discounts and special prices on your pizzas.

Sales forces

BCP Freedom Rewards Program

Your BCP Freedom Credit Card gives you the opportunity to have the
the most flexible rewards program on the market. You will be able to choose to redeem your

miles for Freedom Program rewards, LANPASS kilometers or money in

cash.

Visa Travel Experience

A set of exclusive travel packages for our select clients

BCP's Visa Platinum and Visa Signature, which offer unique experiences in
the best destinations in the world. Visit incredible places and enjoy them from
a way that we assure you will never forget.
 Advertising

They have a website with the latest information about their latest
promotions and the advertising they present on television. The channels
used for this are the open-chain ones, among them: América TV, ATV,
Panamericana, Red Global, Frecuencia Latina, among others on cable, that have
international reach.

They also adapt their television advertisements to radio. They also inform.
about all its benefits through dossiers in various newspapers
serious newspapers of the country, such as: El Comercio, La República, Perú 21, Expreso, etc.

Public relations

Schools

We provide comprehensive advisory in financing operations,

fund management and collection of pensions from the institutions
Promoters of Educational Centers and private Educational Centers.

Universities/Institutes

We serve public and private universities and institutes in the country with the
the purpose of providing them with investment alternatives for their surpluses, as well as

financing of loans to support them with their growth plans and

facilitate the collection of your pensions.

We also provide financing for postgraduate study credits

(master's degrees, specializations, etc.) in Peru or abroad. This credit gives you
offers the following advantages:
Special rates for being a loan for educational purposes.

Funding for part-time or full-time studies, both in

national universities as institutions abroad.

Financing of the amount corresponding to the value of your studies and expenses
for maintenance (in case of studying outside your city of
(origin). Grace period of up to 26 months for studies abroad and
up to 18 months for studies in Peru.

Prepayments at any time, for any amount, without any penalty.

and deducting the respective interests.

Debt cancellation insurance that pays off the outstanding debt in case of
deceased holder of the credit.

Pay 12 or 14 installments a year.

On the other hand, we serve religious entities of different faiths and to the
related companies that are responsible for management and administration
from religious training centers, religious venues, support centers for work
for the benefit of the community, educational centers, clinics, cemeteries, funds
of perpetuity, funeral homes and other related companies.
We provide comprehensive advice on financing, fund management,
improvement of transactional processes and investment of surpluses.

And something important is that BCP, always thinking about serving and providing a

customer satisfaction with our service has created promotions and

news about options and payment methods for your children's pension:
Every time you pay your children's pension, you can earn $700, accumulate.
options according to the payment method you use. There are three draws in
the year, with four winners per draw.
Microfinance institutions

We serve Financial Institutions, Edpymes, Municipal Savings Banks, Rural Banks,

Cooperatives. Entities that facilitate sustainable development by providing

financial services to entrepreneurs of rural and urban micro enterprises at the level
national.
Offering them comprehensive advice on surplus management, handling of
liquidity, improvement in transactional processes, derivatives operations and
financing.

And thinking about microentrepreneurs, we offer them an account of

savings where they will be able to have a better management of the money obtained and a
working capital, always in the immediacy.

Savings account description

Deposit in soles and dollars, which allows you to earn interest quickly and
safe. You can access the funds whenever you need them,
using any of our customer service channels throughout Peru.

Our savings accounts offer you:

Balances and Transactions: Check your balances and transactions instantly

and for free.

Phone Banking: Get balances, transactions, and inquiries 24/7

hours of the day 365 days a year.

Online Banking: Operate from the comfort of your office or home.

You will be able to check your balances and transactions (www.viabcp.com).

Working capital description

The most convenient options to meet your requirements
current financials. We provide you with short-term liquidity in soles and
dollars.

Our working capital financing offers you:

Immediate availability of funds.

Expired and prepaid interests.
It allows the company to adjust its payment according to income.
specific to the business sector.
Prepayment allowed.

International Organizations and Non-Governmental Organizations

(NGOs)

We are oriented towards international cooperation entities and to entities of

private character, with humanitarian and social purposes and objectives, oriented towards

specific themes such as: promotion and denunciation of rights abuses

humans, social housing, nutrition, health, humanitarian aid, protection of
environment, education, development cooperation, assistance to childhood,
and disaster risk management.
We provide advice on surplus management, handling of
liquidity, financing operations, administrative process improvement
operational, benefits for their workers through payroll, CTS
and personal loans.

Central, Regional and Local Government

We serve institutions in the public sector that, within the organization of

The Peruvian State is part of the Legislative, Executive, and Judicial Powers.
Likewise, we address autonomous constitutional bodies, bodies
supervisors Governments Regionals y Local Governments.
We provide comprehensive consulting in the management of surpluses, businesses
fiduciaries, liquidity management, improvement in transactional processes and
financing operations.
CONCLUSIONS

FIRST:
Over the years, the Banco de Crédito del Perú has been incorporating
various strategies that have allowed it to retain its customers, attract new ones
clients, enter international markets and connect with entities
important financials (New York Stock Exchange). The continuous improvements that

BCPs have been adopted in order to respond to the needs of

customers and adapting to changes have been reflected not only in being the largest
taxpayers for Credicorp have managed to decipher key points to provide
a flexible structure for the organization that responds quickly to the
environmental changes; a strong organizational culture that promotes
cooperation, harmony, and identification with the company's goals;
decentralization that allows empowering and providing trust to the
subordinates.

SECOND
The determining factor for their good performance within the industry is their
good relationship it maintains with its stakeholder group, as BCP is aware
of how fundamental it is for the development of their activities. On the side of
IBM has suppliers, a technology company of great significance.
that generates added value to the company's operations.

THIRD
In the case of employees, BCP provides them with opportunities so that they can

professionally develop. In the case of the BCP community, it has a

series of considerations to improve your quality of life. Finally, achieve a
results statement that satisfies its shareholders. Definitely BCP
it has the necessary competitive advantages to expand its operations
taking advantage of the opportunities of technological development and low

banking
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