- The report contains detailed information about Credicorp Ltd. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Credicorp Ltd.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Credicorp Ltd. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Credicorp Ltd. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Credicorp Ltd. business.
About Credicorp Ltd.
Credicorp Ltd., through its banking and non-banking subsidiaries, provides a range of financial services and products throughout Peru and in selected international markets.
The company engages principally in commercial banking, including trade finance, corporate finance and leasing services; insurance, including commercial property, transportation and marine hull, automobile, life, health and pension fund underwriting insurance; and investment banking, including brokerage, trust, custody and securitization services, asset management and proprietary trading, and investment.
The company conducts its commercial banking and investment banking activities primarily through Banco de Credito del Peru (BCP), a full service Peruvian commercial bank; Atlantic Security Holding Corporation (ASHC), a financial services company; and the pension fund business through Prima AFP. Its insurance activities are conducted through El Pacifico-Peruano Suiza Compania de Seguros y Reaseguros (PPS), a Peruvian insurance company.
BCP and Subsidiaries
BCPs activities include commercial banking, investment banking and retail banking. As of December 31, 2008, BCP had branch network of any commercial bank in Peru with 330 branches. BCP operates an agency in Miami and a branch in Panama.
Subsidiaries: BCPs corporate structure consists of a group of local subsidiaries offering specialized financial services, which complement BCPs commercial banking activities. In addition to its local subsidiaries, BCP has an agency in Miami and a branch in Panama, one subsidiary in Bolivia and an affiliate bank, Atlantic Security Bank, in the Cayman Islands. BCP and its principal subsidiaries as of December 31, 2008, included:
Banco de Credito de Bolivia (BCB) is BCPs commercial bank in Bolivia. BCP owns 96% of BCB and Credicorp holds the remaining interest. BCB has a network of 61 offices located throughout Bolivia. BCP targets middle- and small-sized clients and offers a range of corporate, personal banking, and leasing products.
Credibolsa Sociedad Agente de Bolsa (Credibolsa) is wholly owned by BCP. It is engaged in portfolio advisory and brokerage activities in the Lima Stock Exchange.
Credito Leasing S.A. (Credileasing) offers various financial leasing products and is 100% owned by BCP.
Credifondo Sociedad Administradora de Fondos Mutuos (Credifondo) is a mutual fund management company. Credifondo is 100% owned by BCP.
Creditítulos (Creditítulos) is 100% owned by BCP and serves as an asset securitization entity.
Inmobiliaria BCP is the real estate subsidiary of BCP. Inmobiliaria BCP is 100% owned by BCP.
Wholesale Banking Group
The Wholesale Banking Group provides its customers with short- and medium-term loans in local and foreign currencies, foreign trade-related financing and lease financing. The Wholesale Banking Group is divided into the following areas: Corporate Banking, which provides loans and other credit services; Middle Market Banking, which serves mid-sized companies; International Trade Finance, which manages BCPs relationship with financial institutions abroad; Corporate Finance, which provides underwriting and financial advisory services to corporate and middle market clients; Business Finance, which finances business projects and manages the financial leasing product; Institutional Banking, which focuses principally on serving non-profit organizations, state-owned companies and other major institutions; and Business Services, which develops transactional services.
Corporate Banking: The Corporate Banking Area is focused on serving large-sized companies. The Corporate Banking Area offers a range of products and tailors its product offerings to serve the requirements of each client. This Area is oriented to offering value-added products and services, particularly cash management services. The majority of financing is provided to fund sales, international trade and inventories. In general, the Corporate Banking Area grants short-term financing and it can provide longer term financing for companies in need of financing capital expenditures and fixed assets, among other purposes. The Are
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1. CREDICORP LTD. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. CREDICORP LTD. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. CREDICORP LTD. SWOT ANALYSIS
4. CREDICORP LTD. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. CREDICORP LTD. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Credicorp Ltd. Direct Competitors
5.2. Comparison of Credicorp Ltd. and Direct Competitors Financial Ratios
5.3. Comparison of Credicorp Ltd. and Direct Competitors Stock Charts
5.4. Credicorp Ltd. Industry Analysis
5.4.1. Banks and Thrifts Industry Snapshot
5.4.2. Credicorp Ltd. Industry Position Analysis
6. CREDICORP LTD. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. CREDICORP LTD. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. CREDICORP LTD. ENHANCED SWOT ANALYSIS2
9. PERU PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. CREDICORP LTD. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. CREDICORP LTD. PORTER FIVE FORCES ANALYSIS2
12. CREDICORP LTD. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Credicorp Ltd. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Credicorp Ltd. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Credicorp Ltd. Major Shareholders
Credicorp Ltd. History
Credicorp Ltd. Products
Revenues by Segment
Revenues by Region
Credicorp Ltd. Offices and Representations
Credicorp Ltd. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Credicorp Ltd. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Credicorp Ltd. Capital Market Snapshot
Credicorp Ltd. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Banks and Thrifts Industry Statistics
Credicorp Ltd. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Credicorp Ltd. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
Credicorp Ltd. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Credicorp Ltd. 1-year Stock Charts
Credicorp Ltd. 5-year Stock Charts
Credicorp Ltd. vs. Main Indexes 1-year Stock Chart
Credicorp Ltd. vs. Direct Competitors 1-year Stock Charts
Credicorp Ltd. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?