Financial Data and Key Metrics Changes - The company reported a record net income of PEN 1.9 billion, marking a 49% increase compared to the prior year [10][12] - Return on equity (ROE) was strong at 16.8%, with an adjusted ROE of 18.5% excluding the Rutas de Lima impairment [10][20] - Risk-adjusted net interest margin (NIM) increased by 50 basis points to 4% in the last quarter, with a low cost of risk at 2.1% [12][13] Business Line Data and Key Metrics Changes - Interbank achieved a record net income of PEN 1.4 billion, supported by a decrease in cost of risk and an increase in risk-adjusted NIM [7][10] - Interseguro's written premiums grew by 61% year-over-year, driven by private annuities [12][13] - Inteligo reported a 68% increase in revenues, achieving an ROE of 21.5% [17][20] Market Data and Key Metrics Changes - The Peruvian economy is expected to grow by 3.3% in 2025, driven by consumption-related sectors and private investment [4][14] - The Peruvian sol appreciated by approximately 10% over the year, with inflation remaining stable around 1.5% [6][15] - Private investment is projected to grow by 9.5% for the full year, supported by a rebound in mining investment [15][16] Company Strategy and Development Direction - The company remains committed to a focus on profitable growth, prioritizing digital excellence and customer relationships [8][9] - Investments in technology and innovation are key to maintaining competitive advantage and enhancing customer experiences [9][22] - The company aims to strengthen its position in the Peruvian market while managing risks prudently [6][9] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the company's outlook, citing resilience in downturns and a solid foundation for long-term growth [9][10] - The company anticipates continued growth in higher-yielding loans and a gradual increase in cost of risk as the consumer and small business portfolios expand [29][51] - Management remains cautious due to political cycles and global market volatilities, but expects to maintain a stable growth trajectory [15][16] Other Important Information - The company made a PEN 205 million impairment related to Rutas de Lima, with no further material impairments expected [18][19] - The cost-to-income ratio stands at 36.8%, reflecting ongoing strategic investments [22][30] Q&A Session Summary Question: Impact of Rutas de Lima on future results - Management indicated that they expect no further material impacts from Rutas de Lima, having provisioned around 80% of the expected impairment [45][49] Question: Loan growth and asset quality expectations - Management expects continued growth in higher-yielding loans, with a slight increase in cost of risk anticipated as these loans grow [46][51] Question: Operating expenses growth outlook - Management indicated that operating expenses will likely grow in line with previous years as they continue to invest in technology and strengthen teams [47] Question: Long-term ROE targets - Management targets a midterm ROE of 18%, with potential for 20% as the higher-yielding loan book recovers [56][70]

Financial Data and Key Metrics Changes - The company reported a record net income of PEN 1.9 billion, marking a 49% increase compared to the prior year [11][19] - Return on equity (ROE) was strong at 16.8%, with an adjusted ROE of 18.5% excluding the Rutas de Lima impairment [14][22] - Risk-adjusted net interest margin (NIM) increased by 50 basis points to 4% in the last quarter, with a low cost of risk at 2.1% [14][28] Business Line Data and Key Metrics Changes - Interbank achieved a record net income of PEN 1.4 billion, supported by a decrease in cost of risk and an increase in risk-adjusted NIM [7][19] - The insurance segment, Interseguro, grew its written premiums by 61% year-over-year, driven by private annuities [14][15] - Inteligo, the wealth management segment, reported a double-digit growth in assets under management, reaching new record highs [9][39] Market Data and Key Metrics Changes - The Peruvian economy is projected to grow by 3.3% in 2025, supported by strong private investment and consumption [5][15] - The Peruvian sol appreciated by approximately 10% over the year, with inflation remaining stable [6][17] - Private investment is expected to grow by 9.5% in 2025, driven by mining and non-mining sectors [17][18] Company Strategy and Development Direction - The company is focused on profitable growth, prioritizing digital excellence and deepening primary customer relationships [10][34] - Investments in technology, including GenAI, are key to maintaining competitive advantage and enhancing customer experiences [10][25] - The strategy includes leveraging synergies between business segments to enhance value propositions, particularly in the payments ecosystem [9][34] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the company's outlook, citing resilience in the platform and a solid foundation for long-term decision-making [10][19] - The company remains cautious due to political cycles and global market volatilities, but expects to maintain profitability and market leadership [5][17] - Future growth is anticipated to be driven by higher-yielding loans and continued investment in technology [14][28] Other Important Information - The company made a PEN 205 million impairment related to Rutas de Lima, with no further material impairments expected [20][48] - The cost-to-income ratio stands at 36.8%, reflecting ongoing strategic investments [25][42] Q&A Session Summary Question: Impact of Rutas de Lima on 2026 - Management expects no further material impacts from Rutas de Lima, with 80% of provisions already accounted for [48][51] Question: Loan Growth and Asset Quality - Loan growth is expected to continue, particularly in higher-yielding segments, with a projected cost of risk around 2.5% [53][54] Question: Operating Expenses Growth - Operating expenses are expected to grow similarly to 2025 as the company continues to invest in technology and strengthen teams [49][50] Question: Sustainable ROE - Management targets a midterm ROE of 18%, with potential for higher returns depending on market conditions and growth in higher-yielding loans [57][58]

3Q25 IFS earnings presentation is.com.pe 3Q25 k ey messages 1 3 Business momentum remains strong +81% YoY net profit 9M25 ~16% ROE IFS 3Q25 4 Strengthening primary banking relationships +6 % +13% YoY retail primary banking customers Insurance & WM core businesses growing double digit YoY written premiums +58 % YoY AUMs WM 2 2 Higher yielding loans accelerate Improving risk - adjusted NIM 3.8 % 2.1% CoR banking 3Q25 Risk-adjusted NIM 3Q25 1) 3Q25E internal estimate . GDP for Jul25 -Aug25 is 3.3% 5.00 4.75 4. ...