Intercorp Financial Services Inc. Q4 2025 Earnings Call Summary

Achieved record net income of 1,900,000,000.0 in 2025, driven by a 49% year-over-year increase and a recovering core banking business. Performance was bolstered by a favorable Peruvian macro environment, including 3.3% GDP growth, a 10% appreciation of the sol, and stable inflation. Interbank's record results were supported by a disciplined decrease in cost of risk and an optimized funding structure, despite liquidity headwinds from pension fund withdrawals. The insurance segment, Interseguro, lever ...