Management Presentation - Interbank, September 2021

IFS

Management

Presentation

September 2021

Safe Harbor for Forward-Looking Statements

This corporate presentation contains "forward looking statements" within the meaning of Section 21E of the Securities Exchange Act of 1934. All statements other than statements of historical facts included in this corporate presentation regarding Interbank's business, financial condition, results of operations and certain of Interbank's plans, objectives, assumptions, projections, expectations or beliefs and statements regarding other future events or prospects are forward-looking statements. These statements include, without limitation, those concerning: Interbank's strategy and Interbank's ability to achieve it; Interbank's recent developments; expectations regarding sales, profitability and growth; Interbank's possible or assumed future results of operations; capital expenditures and investment plans; adequacy of capital; and financing plans. In addition, this corporate presentation includes forward-looking statements relating to Interbank's potential exposure to various types of market risks, such as macroeconomic risk, Peru specific risks, foreign exchange rate risk, interest rate risks and other risks related to Interbank's financial performance. The words "aim," "may," "will," "expect," "is expected to," "anticipate," "believe," "future," "continue," "help," "estimate," "plan," "schedule," "intend," "should," "would be," "seeks," "estimates," "shall," or the negative or other variations thereof, as well as other similar expressions regarding matters that are not historical facts, are or may indicate forward-looking statements.

Interbank has based these forward-looking statements on its management's current views with respect to future events and financial performance. These views reflect the best judgment of Interbank's management but involve a number of risks and uncertainties which could cause actual results to differ materially from those predicted in Interbank's forward-looking statements and from past results, performance or achievements. Although we believe that the estimates reflected in the forward-looking statements are reasonable, such estimates may prove to be incorrect. By their nature, forward-looking statements involve risk and uncertainty because they relate to events and depend on circumstances that will occur in the future. There are a number of factors that could cause actual results and developments to differ materially from those expressed or implied by these forward-looking statements. These factors include, among other things:

Additionally, new risks and uncertainties can emerge from time to time, and it is not possible for Interbank to predict all future risks and uncertainties, nor can Interbank assess their potential impact. Accordingly, you should not place undue reliance on forward-looking statements as a prediction of actual results.

All forward-looking statements included in this corporate presentation are based on information available to Interbank on the date of this corporate presentation. Interbank undertakes no obligation to update publicly or revise any forward-looking statement, whether as a result of new information, future events or otherwise, except as may be required by applicable law. All other written and oral forward-looking statements attributable to Interbank or persons acting on Interbank's behalf are expressly qualified in their entirety by the cautionary statements contained throughout this corporate presentation.

Interbank prepares the financial information included in this presentation in accordance with accounting principles prescribed by the Peruvian Superintendency of Banks, Insurance and Private Pension Fund Administrators (Superintendencia de Banca, Seguros y AFPs, or "SBS") and the Peruvian Securities Commission (Superintendencia del Mercado de Valores, or "SMV") (altogether, "Peruvian SBS GAAP" or "Local GAAP"). All financial information in this presentation regarding the relative market position and financial performance relating to us, vis-a-vis the banking sector in Peru is based, out of necessity, on information obtained from SBS statistics. In addition, for certain financial information related to our compound annual growth rate we have included such information pursuant to Peruvian SBS GAAP in order to be able to show our growth over a certain number of years. Peruvian SBS GAAP differs in certain respects from IFRS. Consequently, information presented in this presentation in accordance with Peruvian SBS GAAP or based on information from the SBS or SMV may not be comparable with financial information prepared in accordance with IFRS.

1

Interbank

at a glance

Leading bank in Peru with strong financial performance

Financial highlights

As of June 30, 2021

Assets

S/ 68,621 mm

Gross loans

S/ 41,889 mm

Deposits

S/ 45,225 mm

ROE

11.7%

Efficiency ratio

43.0%

PDL ratio

3.0%

TCR ratio

16.5%

CET 1 ratio

11.5%

Leading position in the Peruvian financial system(1)

2

2

1

11.7%

22.0%

26.7%

Market share in

Market share in

ROE

consumer loans

payroll loans(2)

3

4

3

14.5%

195

1,586

Financial stores

Market share in

ATM

retail deposits

Source: Superintendencia de Banca, Seguros y AFP (SBS) and Interbank as of June 30, 2021.

3

1)

Ranking among four largest Peruvian banks.

2)

Payroll deductible loans to public sector employees.

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

Financial

Retail

services

US$ 7.2bn

Revenues in 2020

~3.7% of Peru 2020 GDP

Education

Other (1)

4

Source: Company information and BCRP.

1) Related companies excluding Aviva and Urbi.

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Disclaimer

Intercorp Financial Services Inc. published this content on 26 October 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 26 October 2021 21:07:06 UTC.