Now, on -- first on Page 6 to 10, let's talk about our growing customer base and sustainable earnings. On Slide 6, the continuous growth of customer base at IFS or 15% year-over-year in banking, 17% in insurance, 10% in wealth management and 53% in payment merchants. Luis Felipe Castellanos Intercorp Financial Services will discuss its second quarter 2023 earnings. We are very pleased to have with us Mr. Luis Felipe Castellanos, Chief Executive Officer, Intercorp Financial Services, Ms. Michela Casassa, Chi ...

Exhibit 99.1 Intercorp Financial Services Inc. Second Quarter 2023 Earnings Lima, Peru, August 9, 2023. Intercorp Financial Services Inc. (Lima Stock Exchange/NYSE: IFS) announced today its unaudited results for the second quarter 2023. These results are reported on a consolidated basis under IFRS in nominal Peruvian soles. Intercorp Financial Services: 2Q23 earnings of S/ 331 mm, up 7% QoQ and 47% YoY Banking: 2Q23 profitability affected by rising cost of risk in retail Insurance: 2Q23 earnings of S/ 87.9 ...

Intercorp Financial Services Inc. (NYSE:IFS) Q1 2023 Earnings Conference Call May 11, 2023 10:00 AM ET Company Participants Rafael Borja – InspIR Group Luis Felipe Castellanos – Chief Executive Officer Michela Casassa – Chief Financial Officer JuanPablo Segura – Chief Financial Officer, Interseguro Carlos Tori – Executive Vice President of Payments Conference Call Participants Ernesto Gabilondo – Bank of America Juan Recalde – Scotiabank Yuri Fernandes – JPMorgan Carlos Gomez – HSBC Operator Good morning, a ...

Earnings Presentation 1Q23 Results 2 impacted by CoR and investment results +3% QoQ | -20% YoY 1Q23 recurring earnings of S/ 308 mm impacted by CoR and investment results • Solid capitalization levels after Basel III changes and dividend distribution at banking Insurance Payments | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |-----------|-------|-------|-------|-----------|------------|-----------|-------|----------------|-------|----------| | | | | | | | | | | | | | | 22.4% | 16.7% | ...

Financial Performance - Intercorp Financial Services reported a net profit of S/ 266.9 million in 1Q23, a decrease of 30.5% QoQ and 44.1% YoY[6]. - Interbank's net profit for 1Q23 was S/ 250.2 million, a decrease of 31.4% QoQ and 22.4% YoY, primarily due to an increase in impairment loss on loans of S/ 89.5 million[35]. - The net profit for the period ended March 31, 2023, was S/(000) 266,914, a decrease of 44.1% compared to S/(000) 477,845 in the same period last year[182]. - The net profit for the period was S/(000) 265,093, compared to S/(000) 475,390 in the previous period[184]. - Net profit for the period decreased to S/266.914 million in Q1 2023 from S/477.845 million in Q1 2022, representing a decline of 44.1%[187]. Revenue and Income - Recurring revenues grew 21% YoY, with banking NIM reaching 5.5%[3]. - Net fee income from financial services surged 54.9% YoY, reflecting strong performance across various segments[22]. - Net fee income from financial services was S/ 39.6 million in 1Q23, an increase of S/ 2.2 million, or 5.9% QoQ, mainly driven by higher fees from funds management[158]. - Net interest and similar income grew by 14.9% YoY, attributed to a 37.1% increase in interest and similar income, despite a more than two-fold increase in interest and similar expense[82]. - The payments acquirer segment generated S/ 170.3 million in income in 1Q23, a decrease of 5.9% QoQ but an increase of 24.0% YoY[174]. Impairment and Losses - Impairment loss on loans increased by S/ 218.0 million YoY, primarily due to higher provisions in the retail and commercial loan books[21]. - The impairment loss on loans increased by 32.2% QoQ to S/ 367.7 million, significantly impacting overall profitability[34]. - Impairment loss on loans, net of recoveries increased by 32.2% QoQ and more than two-fold YoY, with an annualized ratio of impairment loss on loans to average loans at 3.2% in 1Q23, up from 2.5% in 4Q22 and 1.4% in 1Q22[94][96]. - The company reported an impairment loss on loans of S/(000) 367,611 for Q1 2023, significantly higher than S/(000) 149,595 in Q1 2022[181]. Assets and Liabilities - Total assets increased by 0.6% YoY to S/ 88,016.2 million as of March 31, 2023[5]. - Total liabilities increased by 1.0% YoY to S/ 78,879.7 million, with deposits and obligations rising by 2.7%[5]. - The equity attributable to IFS's shareholders decreased to S/(000) 9,084,625 as of March 31, 2023, from S/(000) 9,348,528 at the end of 2022[180]. - The balance of rescheduled loans as of March 31, 2023, was S/5,069.584 million, slightly up from S/5,048.978 million as of December 31, 2022[200]. Capital and Ratios - The company maintained solid capitalization levels after Basel III changes, with an annualized ROAE of 11.5% in 1Q23[8]. - The ratio of regulatory capital to risk-weighted assets was 15.2% as of March 31, 2023, slightly above the 15.1% reported at the end of 2022, but below the 15.5% registered a year earlier[110]. - Total regulatory capital decreased by 5.3% QoQ, attributed to dividend distributions and unrealized losses on investments, while risk-weighted assets decreased by 5.9% QoQ[112][111]. Insurance Performance - Insurance earnings were S/ 31.3 million in 1Q23, with a ROE of 40.5% post-IFRS17 adoption[2]. - Interseguro's profits reached S/ 31.3 million in 1Q23, an increase of S/ 17.8 million QoQ, but a decrease of S/ 81.9 million YoY, primarily due to improvements in insurance results[121]. - Insurance income was S/ 275.5 million in 1Q23, an increase of S/ 29.1 million, or 11.8% QoQ, but a decrease of S/ 30.6 million, or 10.0% YoY[138]. - Insurance expenses were S/ 366.8 million in 1Q23, a decrease of S/ 30.6 million, or 7.7% QoQ, but an increase of S/ 48.8 million, or 15.3% YoY[141]. Cash Flow and Investments - Net cash provided by operating activities was S/2,637 million in Q1 2023, a turnaround from a net cash used of S/(1,854.830) million in Q1 2022[188]. - Cash and cash equivalents at the end of the period decreased to S/11,929.297 million in Q1 2023 from S/13,286.242 million in Q1 2022, a decline of 10.2%[188]. - The purchase of investments at fair value through other comprehensive income and at amortized cost increased to S/(1,782.926) million in Q1 2023 from S/(992.876) million in Q1 2022, a rise of 79.5%[188]. Other Key Metrics - The effective tax rate rose from 16.6% in 1Q22 to 28.1% in 1Q23, influenced by a lower translation result and higher rates in the banking business[24]. - The efficiency ratio improved to 39.1% in 1Q23 from 41.7% in 1Q22, and would have been 36.9% excluding the impairment on interest on loans of S/ 70.0 million[107]. - The average cost of funding increased by 180 basis points, from 1.8% in 1Q22 to 3.6% in 1Q23, resulting in a net interest margin of 5.1% in 1Q23, which is 60 basis points higher than the 4.5% reported in 1Q22[93].

[Filing Information](index=1&type=section&id=Filing%20Information) This section details the filing of Form 6-K by Intercorp Financial Services Inc. and provides investor relations contact information [General Filing Information](index=1&type=section&id=General%20Filing%20Information) This section details the filing of Form 6-K by Intercorp Financial Services Inc. on April 25, 2023, indicating its status as a foreign private issuer - Intercorp Financial Services Inc. filed Form 6-K on April 25, 2023, as a foreign private issuer[1](index=1&type=chunk) [Investor Relations Contact](index=2&type=section&id=Investor%20Relations%20Contact) Inquiries regarding the filing can be directed to Ernesto Ferrero, IFS's Investor Relations Officer - Ernesto Ferrero is the Investor Relations Officer for inquiries, reachable at eferrerom@intercorp.com.pe[4](index=4&type=chunk) [Material Event Notification](index=2&type=section&id=Material%20Event%20Notification) This section covers the board's approval and filing of the 2022 Annual Report and its accessibility to the public [Board Approval and Filing of 2022 Annual Report](index=2&type=section&id=Board%20Approval%20and%20Filing%20of%202022%20Annual%20Report) IFS's Board of Directors unanimously approved the 2022 Annual Report on Form 20-F, its filing with the SEC, and the accompanying audited consolidated financial statements prepared under PCAOB rules - IFS's Board of Directors unanimously approved the 2022 Annual Report on Form 20-F, its filing, and the 2022 audited consolidated financial statements prepared under PCAOB rules and auditing standards on April 24, 2023[2](index=2&type=chunk)[5](index=5&type=chunk) [Access to 2022 Annual Report](index=2&type=section&id=Access%20to%202022%20Annual%20Report) The 2022 Annual Report is accessible on the SEC's website (www.sec.gov) and IFS's investor relations section (www.ifs.com.pe) Shareholders can also request a free hard copy - The 2022 Annual Report can be accessed on the SEC's website (www.sec.gov) and IFS's website (www.ifs.com.pe) under the 'Investor Relations' section[2](index=2&type=chunk) - Shareholders may receive a hard copy of the 2022 Annual Report, including audited consolidated financial statements, free of charge by requesting it from IFS' Investor Relations Office[2](index=2&type=chunk) - URLs mentioned are intended to be inactive textual references only and are not incorporated into this Form 6-K[3](index=3&type=chunk) [Signatures](index=3&type=section&id=Signatures) This section confirms the authorization and signatory details for the report [Authorization and Signatory](index=3&type=section&id=Authorization%20and%20Signatory) The report was duly signed on behalf of Intercorp Financial Services Inc. by Michela Casassa Ramat, Chief Financial Officer, on April 25, 2023, confirming authorization - The report was signed on behalf of Intercorp Financial Services Inc. by Michela Casassa Ramat, Chief Financial Officer, on April 25, 2023[7](index=7&type=chunk)[9](index=9&type=chunk)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES ...

Key messages up 3% QoQ & 53% YoY 0% QoQ | +15% YoY IFS net profit +19% YoY +7% YoY quarterly efficiency levels improve to 34.8% C/I 45.3%(1) 37.5%(3) 34.8% 42.2% 40.1% 37.9% +8% QoQ | +3% YoY Banking System TCR Insurance 24.4% 19.1% 20.4% 4Q21 3Q22 4Q22 8.0% Reg. min. Financial highlights Guidance 4 Results by segment Financial highlights 1) IFS' ROE in FY21 would have resulted in 17.9%, when excluding gains in other income of S/ 136 million in wealth management 2) IFS' ROE in FY22 would have resulted in 17 ...

Financial Data and Key Metrics Changes - Reported earnings for Q4 2022 reached PEN 403 million, a 3% increase quarter-on-quarter and over 50% growth year-on-year [11] - Full-year reported earnings totaled PEN 1,671 million, or PEN 1,448 million when excluding one-off items [12] - Return on Equity (ROE) for Q4 was 16.5%, with banking and payments showing strong ROE at 20.2% and 22.3% respectively [11][33] - Cost of funds increased to 3.2% in Q4, up 40 basis points quarter-on-quarter and 160 basis points year-on-year [65] Business Line Data and Key Metrics Changes - Banking revenues grew 7% in Q4, with net interest income increasing by 23% and fee income by 12% [73][88] - Wealth Management showed a recovery with a positive result of PEN 56 million in Q4, but still below sustainable profitability [28][101] - The payments business, particularly Izipay, saw acquiring fees up 8% quarter-on-quarter and 32% year-on-year, with strong growth in merchants and transactional volumes [29][102] Market Data and Key Metrics Changes - The Peruvian economy is expected to grow less than 2% in 2023, with inflation remaining high at 8.5% as of December [62][82] - Credit and debit card purchases increased by 7% quarter-on-quarter and 28% year-on-year, reflecting a growing market share [83][87] - The loan-to-deposit ratio for the company stands at 101%, better than the system average of 107% [65] Company Strategy and Development Direction - The company is focusing on a two-tier digital strategy to enhance customer experience and operational efficiency [58][112] - There is an emphasis on sustainability and ESG practices, with a goal to improve corporate sustainability assessment scores [56][105] - The company aims to leverage data and analytics to increase its customer base and enhance profitability [59][100] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the challenging macroeconomic environment and political instability in Peru, which may impact consumer payment capacity [40][62] - The company expects an increase in the cost of risk due to economic conditions and has adjusted its credit underwriting standards [70][90] - Despite challenges, management remains optimistic about the fundamentals of the Peruvian market and the growth potential in digital payments [62][100] Other Important Information - The efficiency ratio for Q4 was 34.8%, returning to pre-pandemic levels, with a full-year efficiency ratio of 36.1% [74][76] - The company has made significant progress in digital transformation, with 71% of customers interacting with the bank digitally [14][97] - The company plans to implement changes to capital ratio calculations in line with new regulations starting January 2023 [84] Q&A Session Summary Question: What are the expectations for the cost of risk in 2023? - Management indicated that the cost of risk is expected to increase due to a mix change and deteriorating macroeconomic variables, particularly affecting the consumer segment [37][40][48] Question: How will the digital initiatives translate into efficiencies and higher ROE? - Management emphasized that the digital strategy is focused on profitability and efficiency, with expectations for improved ROE as digital initiatives mature [114] Question: Can you break down the ROE guidance for different banking units? - Management provided insights into expected ROE across banking, insurance, and payments, indicating a cautious but optimistic outlook [117]

Earnings Presentation 3Q22 Results Intercorp Financial Services 1 Financial highlights 2 Key messages 3 Results by segment 3Q22 earnings of S/ 613 million, with recurring earnings of S/ 391 million | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |-------|----------------|---------------|-------|-----------|------------|-------|----------|-------|----------------|-----------|----------|-------|------------| | | | | | | | | | | | | | | | | | IFS net profit | (S/ mn) | | 2 ...