BCP's Retail Banking serves individuals and small-sized companies with a wide range of high value-proposition products with a market share of over 20%.

Banco de Crédito del Perú (BCP), was founded by a group of Italian-Peruvian businessmen on April 9, 1889, and called during its first 52 years "Banco Italiano" ("Italian Bank"), adopting a credit policy based on the principles that would guide institutional behavior in the future.

In order to achieve greater international presence, BCP opened branches in Nassau and New York, which made it the only Peruvian Bank present in two of the most important financial centers of the world.

Then, with the aim of improving its services, BCP established the National Network of Tele Process, which in late 1988 connected almost every office in the country with the central computer of Lima.

Later, in 2014, Edyficar bought and merged with Mibanco, which made it the leader in the micro-lending business in the Peruvian Financial System.