Intercorp Financial Services : Investor Presentation - IFS, January 2023

Investor Presentation

January 2023

Universal bank

with strategic focus on

retail

Advisory firm for the

emerging

wealthy

Insurance company

focused on

life & annuities

Pillar for building our

payments

ecosystem

Our transformation path to a digitally- driven organization

Prior to 2014	2015 - 2018	2019 - 2021	2022 onwards
1	2	3	4
Store-centric	Omnichannel	Digital	Two-tier
model	platform	first	digital strategy
focused on physical	with strong focus	with growth	to foster profitable
convenience	on building digital	through advanced	& sustainable growth
	capabilities	analytics
Physical	Digital	Physical	Digital
supports growth	supports physical	supports digital	only vision

Building a leading digital financial platform

Financial highlights

Four key businesses

99.3%

99.8%

100.0%

As of Sep22	S/ mn | US$ mn
Total assets (1)	88,707 | 22,283
Net profit (2)	1,268 | 319
ROE	18.2%
Efficiency ratio	36.6%

Universal bank with strategic focus on retail

#2 Consumer loans MS 21.5%

#3 Retail deposits

MS 14.8%

Capital ratio 15.2%

100.0%

Insurance company focused on life & annuities

#1 Annuities (3) MS 33.0%

#3 Total assets

Solvency ratio 128.6%

Pillar for building our payments ecosystem

Advisory firm for the emerging wealthy

US$ 5,524 mn AUM

Fees / Avg. AUM 0.8%

Capitalization ratio 19.1%

>900k merchants

	Source: Company information and SBS as of September 2022.
3	1)	Figure converted to US dollars using an end of period exchange rate (Sol / US dollar) of 3.981.
2)	Figure converted to US dollars using an average exchange rate (Sol / US dollar) of 3.814.
	3)	Excluding private annuities.

Intercorp Group: striving to make Peru the best place to raise a family in Latin America

Financial	Retail
services
US$ 8.5bn
	Revenues in 2021
	~3.9% of Peru 2021 GDP
Education	Other (1)

4	Source: Company information and BCRP.
1) Related companies excluding Aviva and Urbi.