# BCP (Banco de Crédito del Perú)

> Source: https://docs.barcoder.ai/docs/wallets/bcp-peru
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [BCP — official](https://www.viabcp.com/)

## Overview

**BCP (Banco de Crédito del Perú)** is **Peru's largest bank by total assets + Peru's largest integrated financial services provider** <sup>[1][1], [2][2], [Peru report](https://docs.barcoder.ai/docs/payments/PE)</sup>. **Dec 2025**: BCP total assets S/ 203,228 million (~ USD 54 billion) + Banca Móvil BCP mobile app + **Yape (Peruvian super-app subsidiary; 19.1M+ active users end-2025; 20M+ users some 2025 sources; Peru's 3rd most-used app after WhatsApp + Facebook)** + 2022-2025 Yape financial inclusion: 1.3M+ people accessed first credit product through Yape (41% women).

**Distinctive BCP positioning** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **Peru's largest bank by total assets** + **largest integrated financial services provider in Peru**
- **Credicorp subsidiary** (Credicorp = Peru's largest financial holding; NYSE: BAP)
- **Dec 2025**: S/ 203,228M (USD 54B+) total assets
- **[Yape](https://docs.barcoder.ai/docs/standards/yape) (BCP Peruvian super-app subsidiary)**: 19.1M+ active users end-2025 + Peru's 3rd most-used app after WhatsApp + Facebook
- **2022-2025 Yape financial inclusion**: 1.3M+ people accessed first credit product through Yape (41% women) — distinctive Peruvian banking financial inclusion innovation
- **1889 Banco Italiano founding in Lima, Peru** + **1942 renamed BCP** — distinctive Peruvian banking heritage (Peru's oldest banking heritage by some rankings)
- **McKinsey "digital rocketship" BCP transformation case study** — distinctive Peruvian banking digital transformation

## History

**1889 — Banco Italiano founded in Lima, Peru** by Italian immigrants — distinctive Peruvian-Italian banking heritage.

**1942 — Banco Italiano renamed Banco de Crédito del Perú (BCP)** — distinctive Peruvian banking brand consolidation.

**1995 — Credicorp Ltd founded as Peru's largest financial holding** (NYSE: BAP; BCP becomes Credicorp subsidiary).

**2010 — Banca Móvil BCP mobile banking app launches**.

**2017 — Yape launches** as BCP Peruvian P2P payment app — distinctive Peruvian super-app emergence.

**Dec 2025**: BCP total assets S/ 203,228M (USD 54B+) + Yape 19.1M+ active users + 1.3M+ Peruvian first-credit-product Yape financial inclusion <sup>[1][1], [2][2], [3][3]</sup>.

## Ownership & operator

**Operating entity**: **Banco de Crédito del Perú (BCP)** (Credicorp subsidiary).

**Parent**: **Credicorp Ltd** (NYSE: BAP) — Peru's largest financial holding; Romero family + Peruvian institutional + Peruvian retail public float + ADR holders.

**Regulator**: **SBS (Superintendencia de Banca, Seguros y AFP del Perú)** + **BCRP (Banco Central de Reserva del Perú)**.

## Technical integration

Banca Móvil BCP mobile banking app (iOS + Android) + viabcp.com online + BCP cards (Visa + Mastercard + American Express) + BCP branch network; **[Yape](https://docs.barcoder.ai/docs/standards/yape) (BCP Peruvian super-app subsidiary)** distinctive Peruvian super-app + Peruvian CCE ACH + Peruvian QR + BIM Peruvian mobile money interconnect.

**Yape distinctive features**: Peruvian P2P + Peruvian merchant QR + Peruvian utility bill payments + Yape Promos + Yape Tarjeta + Yape Vende + first-credit-product Peruvian financial inclusion.

## Users & growth

**Dec 2025**: BCP total assets S/ 203,228M (USD 54B+) + Yape 19.1M+ active users end-2025 (20M+ some 2025 sources) + 1.3M+ Peruvian first-credit-product Yape financial inclusion (41% women; since 2022).

## Use cases

Peruvian retail + private + corporate + investment + insurance banking via Banca Móvil BCP + viabcp.com online + cards + branches; **Yape Peruvian super-app**: distinctive Peruvian super-app + Peruvian P2P + Peruvian merchant QR + Peruvian utility bill payments + Yape Promos + Yape Tarjeta + Yape Vende + **first-credit-product Peruvian financial inclusion** (1.3M+ since 2022; 41% women).

## Implementations & partners

**Operator**: BCP (Banco de Crédito del Perú); Credicorp parent (NYSE: BAP); Romero family + Peruvian institutional.

**Credicorp Group sister entities**: **BCP Bolivia** + **Mibanco** (Peruvian microfinance + Bolivian microfinance via Mibanco Bolivia) + **Pacífico Seguros** (Peruvian insurance) + **Prima AFP** (Peruvian pension) + **Credicorp Capital** (Peruvian investment banking) + **[Yape](https://docs.barcoder.ai/docs/standards/yape)** (BCP Peruvian super-app subsidiary).

**Major Peruvian banking competitors**: [BBVA Peru](https://docs.barcoder.ai/docs/wallets/bbva-peru) (BBVA Peruvian subsidiary) + [Interbank (Peru)](https://docs.barcoder.ai/docs/wallets/interbank-peru) (post-1994 Banco Internacional del Perú reprivatisation) + [Scotiabank Peru](https://docs.barcoder.ai/docs/wallets/scotiabank-peru) (post-2006 Scotiabank Banco Wiese Sudameris acquisition) + [Mibanco](https://docs.barcoder.ai/docs/wallets/mibanco) (Credicorp microfinance subsidiary; sister entity).

**Regulators**: SBS + BCRP.

## Fun facts

- **Peru's largest bank by total assets** + **largest integrated financial services provider in Peru**.
- **Dec 2025**: S/ 203,228M (USD 54B+) total assets.
- **[Yape](https://docs.barcoder.ai/docs/standards/yape) (BCP Peruvian super-app subsidiary)**: 19.1M+ active users end-2025 + Peru's 3rd most-used app after WhatsApp + Facebook.
- **2022-2025 Yape financial inclusion**: 1.3M+ Peruvians accessed first credit product through Yape (41% women).
- **1889 Banco Italiano founding in Lima, Peru** + **1942 renamed BCP** — distinctive Peruvian banking heritage (Peru's oldest banking heritage by some rankings).
- **McKinsey "digital rocketship" BCP transformation case study** — distinctive Peruvian banking digital transformation.
- **Credicorp subsidiary** (NYSE: BAP; Peru's largest financial holding).

## Comparison

| Feature | BCP | [BBVA Peru](https://docs.barcoder.ai/docs/wallets/bbva-peru) (BBVA Peruvian subsidiary rival) | [Interbank (Peru)](https://docs.barcoder.ai/docs/wallets/interbank-peru) (Peru #3 + Intercorp Peruvian conglomerate rival) | [Scotiabank Peru](https://docs.barcoder.ai/docs/wallets/scotiabank-peru) (post-2006 Banco Wiese Sudameris acquisition rival) | [Mibanco](https://docs.barcoder.ai/docs/wallets/mibanco) (Credicorp Peruvian microfinance sister entity) |
|---|---|---|---|---|---|
| Operator | **BCP (Banco de Crédito del Perú) (Credicorp subsidiary; NYSE: BAP)** | BBVA Continental → BBVA Perú (BBVA Group subsidiary) | Banco Internacional del Perú S.A.A. (BVL: INTERBANK; Intercorp parent) | Scotiabank Perú S.A.A. (BNS Canada subsidiary) | Mibanco - Banco de la Microempresa S.A. (Credicorp microfinance subsidiary) |
| Type | **Peru #1 by total assets + Credicorp subsidiary + S/ 203,228M (USD 54B+) total assets (Dec 2025) + Yape 19.1M+ active users + Peru's largest integrated financial services provider** | Peru #2 + BBVA Peruvian subsidiary + BBVA app | Peru #3 + Intercorp Peruvian conglomerate parent + Interbank app | Peru #4 + Scotiabank Canadian subsidiary | Peru's largest microfinance bank + Credicorp microfinance subsidiary |
| Country | PE | PE | PE | PE | PE + BO |
| Distinctive | **1889 Banco Italiano founding in Lima by Italian immigrants; 1942 BCP renaming; 1995 Credicorp founding; Yape 19.1M+ active users + 1.3M+ first-credit-product Peruvian financial inclusion (41% women since 2022); McKinsey "digital rocketship" BCP transformation case study; Credicorp Ltd NYSE: BAP listing** | 1951 Banco Continental founding; 1995 BBVA Continental acquisition; renamed BBVA Perú post-2018 BBVA global brand consolidation | 1897 Banco Internacional del Perú founding; 1994 Intercorp reprivatisation acquisition | 1885 Banco del Callao founding; 2006 Scotiabank Banco Wiese Sudameris acquisition + Banco Sudamericano merger | 1998 Mibanco founding; 2014 Credicorp Mibanco acquisition; 2024 Mibanco Bolivia entry |

## Status

**Active, Peru's largest bank by total assets + Peru's largest integrated financial services provider** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **BCP (Banco de Crédito del Perú)** since 1889 Banco Italiano founding + 1942 BCP renaming + 1995 Credicorp consolidation.
- **Dec 2025: S/ 203,228M (USD 54B+) total assets**.
- **Yape (BCP Peruvian super-app subsidiary): 19.1M+ active users end-2025 + 1.3M+ first-credit-product Peruvian financial inclusion**.
- **SBS + BCRP regulated**.

## Sources

[1]: https://en.wikipedia.org/wiki/Banco_de_Cr%C3%A9dito_del_Per%C3%BA "Banco de Crédito del Perú — Wikipedia"
[2]: https://www.viabcp.com/ "BCP — official"
[3]: https://en.wikipedia.org/wiki/Yape_(payment) "Yape (payment) — Wikipedia"
[4]: https://www.mckinsey.com/capabilities/tech-and-ai/how-we-help-clients/rewired-in-action/bcp-taking-banking-to-new-heights-on-a-digital-rocketship "BCP digital banking transformation case study — McKinsey"
[pe-cro]: https://docs.barcoder.ai/docs/payments/PE

- [1] [Banco de Crédito del Perú — Wikipedia][1]
- [2] [BCP — official][2]
- [3] [Yape (payment) — Wikipedia][3]
- [4] [BCP digital banking transformation case study — McKinsey][4]
- <sup>[Peru report](https://docs.barcoder.ai/docs/payments/PE)</sup> In-corpus: `reports/countries/PE-peru.md`

## Source

Biography extracted from [bcp-peru.md](https://docs.barcoder.ai/source/wallets/bcp-peru). See `matrix.md` for standards-support matrix if present.