Slide 1: IFS Investor presentation
Slide 2: IFS at a glance
a IFS ata glance
Slide 3: Building financial well-being together
Building financial well-being together
Slide 4: wv wth
wv wth a, 16.3% To become aleading 1Q25 ROE digital player with profitable growth Ad 7 Mm n + 3 e 2x Unique customers YoY IFS net income G Growing in key businesses ~15% >30% MS retail deposits MS annuities ~21% “11% +16% MS consumer loans MS commercial loans YoY AUM WM
Slide 5: US$ 7.5 bn
S/49 bn S/462 MM US$ 7.5 System Life bn S/26 bn S/434 MM 4 Source: Company information and SBS as of March 2025 1) Figure converted to US dollars using an end of period exchange rate (Sol / US dollar) of 3.668 2) Excluding private annuities
Slide 6: Consistent growth throughout the years
Consistent growth throughout the years Business highlights Operating highlights e (S/ bn) 2019 Mar25 ra g Gross loans 38.3 44.7 2 Fs 2019 Mar25 Deposits 38.1 48.9 Assets 71.6 90.0 wn o r-4 > 33 Investment portfolio 20.0 25.8 § 5 a 2019 Mar25 AUMs 18.3 27.5
Slide 7: IFS is part of Intercorp Group
IFS is part of Intercorp Group Financials OFS CJ Interbank Dinterseguro C1 Interfondos INTELIGO GROUP izipay Retail #5 InRetail —_Financierdh! Osu —— InDigital plazovéa <PROMART makro Massy” Olnkafarma @ oumica surza Corporate services Education CORRIENTE ALTERNA— Colectivo23 0 2 idat —_zeceL v CHAM
Slide 8: Peruvian economy among the strongest in the region
Peruvian economy among the strongest in the region Solid and resilient financial performance
Slide 9: Peruvian economy among the strongest in the region
_— among the strongest 1 Peruvian economy in the region —_—_ i
Slide 10: Peru at a glance
Peru at a glance S a wv = oO PBI 2025E Debt to GDP Main export (%) products Copper 32% 3 e 2 % 3 % | Gold 20% [ "Agro 14% Population Loan penetration Risk Rating Net international z reserves (% of GDP) S&P BBB ro) j 34 Million Moody's Baal 28 % 3 = Fitch BBB - = 0 a ; } Li — “ = = = = =
Slide 11: Stable economic indicators with positive outlook
Stable economic indicators with positive outlook GDP growth YoY (%) 13.49 4.0% 9.0% ) 2.7% Ss = G = -10.9% 2018 =2019 2020 2021 2022 Domestic Demand YoY (%) 14.5% 41% 2.2% 2.4% Ss = e = -9.6% 2018 = 2019 2020 2021 2022 Source: Central Bank, MEF, INEl and Apoyo 2023 Feb-25 2.7% 3.3% 3.2% gp ap 2024 2
Slide 12: Peru is well positioned against LATAM peers
Peru is well positioned against LATAM peers Expected GDP 2025 growth (%) SS) Avg. inflation 2021-2024 (%) 3.3% Oppected (2.0% | 41% ) 5.1% | | 41% | | 3.9% 2.0' 2.0 2.0% % % 6.2% % 5.1% UW aa._G —— eo Peru Chile Brazil Mexico Colombia Peru Chile Brazil México Colombia Exchange rate evolution (Index
Slide 13: Opportunity: underpenetrated and profitable financial system in LATAM
Opportunity: underpenetrated and profitable financial system in LATAM Loans penetration (Loans to GDP) 88% 42% 42% 21% = oe Peru Chile Brazil Mexico Colombia Account ownership rate (% of adult population) 87% 84% 9, si Ba - a Peru Chile Brazil Mexico Colombia Source: The Global Findex 2021 and Centr
Slide 14: Consistent growth powered by new opportunities
_— Consistent growth powered by new opportunities —_—_ i
Slide 15: Stabilizing our credit cards and personal loans portfolio
Stabilizing our credit cards and personal loans portfolio with a better risk profile Credit cards and personal loans (S/ bn) (QoQ trend) Credit cards FA turnover 1924 2024 3Q24 4Q24 1925 Con. 7.9% 7.2% 5.3% 4.9% 41%
Slide 16: Market share in retail and consumer banking loans
48% 44% 46% _ = - EB B J ll O a . rT] Market share in retail and consumerbanking loans includes payroll deductible loan:
Slide 17: Deposits are key for our funding mix
Deposits are key for our funding mix Interbank total deposits (S/ bn) MS Total deposits MS Retail deposits Low-cost 13.3% 13.7% 13.4% 15.1% funding 28% 33% 36% 14.5% 13.5% Deci9 Mar24 Mar25 Deci9 Mar24 Mar25 49% 49% 28.3 MS Commercial deposits 44% 1% 1% cl oF 13.1% 12.4% 12.4% 56% Decl9 Dec24 Mar25
Slide 18: Improvement in funding mix
Improvement in funding mix Low-cost funding (%) Low-cost funding (S/bn) YoY CAGRvs19 35% 35% 22.0 +14% = +11% 32% 19.3 0% 472% Ps 7.0 +16% +10% 6.0 po Po — 1Q24 4Q24 1Q25 1Q24 1Q25 Retail Commercial gg Institutional gy Other 1) Low cost fundingas a % of total funding Low-cost funding includes retail
Slide 19: Growing market shares and stable performance of insurance investments
Slide 20: Driving expansion in strategic products
Driving expansion in strategic products Commercial loans (S/ bn) Consumer loans Small businesses FA % Med 01 0) O % % QoQ loans YoY loans -9% +18% YoY loans YoY deposits Mortgage loans (S/ bn) Long-term WM AUMs Insurance (2) 97 10.3 1924 1925 YoY CSM stock 1) Excluding payroll deductible loans 2) In
Slide 21: Driving innovation with a powerful digital platform
_— Driving innovation with a powerful digital platform —_—_
Slide 22: Our payments ecosystem continues to grow
Our payments ecosystem continues to +16>, <a ~20- YoY digital retail ; pai Yoy Plin g row customers i a active users Individuals pilin Merchants Businesses +2.8. \ \\ Gh +18, YoY IzipayYa . ¥ } ' YoY sales volume } Financeloans +18 - Vi _ ~40« YoY small \ j IBK share of businesses deposits Izipay fl
Slide 23: MS inflows and MS retail payroll deposits
~14>, Pa ~15% MS inflows MS retail payroll deposits
Slide 24: Interbank app
Dinterbank Hola £Qué haremos hoy? 6o0ce Bloquear Pagarcon Serviciosy Plineara tarjeta = QR’—recargas celular
Slide 25: Digital adoption in insurance & wealth management
Digital adoption in insurance & wealth management Digital self-service (%of digital self-service) © 65% 70% 1S) c o 27% =) a '-@ Dic-21 Mar-24. Mar-25 Digital transactions Interfondos (% of digital transactions) 40% 3496 38% Dic-21 Mar-24 Mar-25 24 SOAT digital sales (% of SOAT sales) 81% 83% 90% Di
Slide 26: Customer base continues growing across businesses
Customer base ~_ continues across businesses Banking (mn) Wealth management - customers (th) a : Ee Mar24 Mar25 Mar24 Mar25 Insurance — customers (mn) 412% vor 3.2 29 6 e 9 mn Unique clients IFS
Slide 27: Solid and resilient financial performance
_— 4 Solid and resilient financial performance —_—_ i
Slide 28: Resilience throughout the credit cycle
Resilience throughout the credit cycle “~ @ © 6 60 6 © Net income (S/. mn) 1 baie 1,678 14 ie 1,307 1,091 1,079 = = Lo 2018 2019 2020 2021 2022 2023 2024 Dividend per Share (US$) (ws) (ws) (18) Payout Ratio 61% 46% 85% 45% 31% 40% 32%
Slide 29: Telefonica impact
S/41mn Telefonica impact S/63mn Telefonica impact
Slide 30: Sustained growth in revenues over the years
Sustained growth in revenues over the years IFS revenues (S/ mn) NIM % 5.3% 4.5% 4.1% 5.0% 5.3% 5.1% 1 5.2% 5.1% 6,975 H 41 ; 5,922 Ge H 5,362 5,488 5,31 i ; i - a 7 2019 2020 2021 2022 2023 2024 H 3M24 3M25
Slide 31: IFS quarterly revenues
+14% YoY increase in revenues IFS quarterly revenues (S/ mn) 1,926 1,733 1924 4Q24 NIMIFS = 5.2% 5.1% NIMIBK 5.5% 5.3% 5.2% = 7 +14 Yor +3% QoQ 1,976 1Q24 4Q24 1Q25 Wealth management 1 29 85 . L] 5.1% 1Q24 4Q24 1Q25 +9 Yoy +1% QoQ +37% Yoy +28% QoQ +27% Yoy -34% QoQ
Slide 32: Maintaining a stable NIM
Maintaining a stable NIM Banking — Interest-earning assets (S/ bn) Yield on assets evolution 72.3 73.6 16% 17% 52.3 19% 2% 10.3% ooh 10.0% , ee 38% —e 8.7% —° 8.3% 8.1% 4Q19 4Q24 1925 mRetail Comercial j@ Financial investments Cash and due from banks 5.3% 5.3% 5.2% e ad 2 Funding breakdown (S/ bn) E
Slide 33: Cost of risk and NPL trends
IBK PDLs vs system Cost of risk (%) Total Total Commercial Commercial Retail Retail NPLs trend (Stage 3) 2.6% 2.5% 0.1% 0.3%
Slide 34: Insurance results by business unit
+27] >, YoY in annuities and individual life Long- term insurance (S/mn ° Short-term insurance (S/mn) +124% Conacek by business unit) ( ) +27% YoY (Insurance PAA net results) YoY 47% QoQ 123 +124% QoQ 55 55 956 891 755 1924 4Q24 1Q25 Results from investments (S/mn) +35% voy A494 ROI 5.0% 61% 6.2% +3
Slide 35: Wealth management fee income and AUMs
+6.0 5 year CARG growth in AUMs Fee income evolution (S/ mn) +20. voy Assets under management (US$ bn) +6.0% -2% QoQ 5Y CAGR 7,504 5,520 6,462 ~* 2019 Mar24 Mar25 gi Inteligo Bank = Interfondos MS Interfondos (%) 16.5% 16.4% 14.1% : ES 7 a Fees/ AuM 0.7% 0.7% 0.7% 2019 Mar24 Mar25 —_ -
Slide 36: Sound capitalization levels
Sound capitalization levels Banking System 14.1% 16.8% 17.3% TCR 15.2% 15.9% 17.2% 17% Reg. min 4Q19 4Q24 1Q25 Source: Companyinformationand ASBANC 1) Asof Nov24 CETI ratio 12.3% 11.3% 1.6% 6.8% Reg. min 4Q19 4Q24 1Q25 129.30% 1Q24 17.6% 1Q24 125.20% 4Q24 19.3% 4Q24 135.90% — 100% Reg. min, 1Q25 19.
Slide 37: Strong culture and corporate governance, with clear focus on ESG
_— Strong culture and corporate governance, with clear focus on ESG —_—_ i
Slide 38: Sustainability as part of our strategic pillars
Sustainability as part of our strategic pillars, positively impacting our stakeholders Foster respect Responsible 6 = S G for the environment social practices Sustainability culture Reinforce corporate Encourace CSA Score governance, F 4 ch inclusion, equality and 2024 transparency 5 4 A diversity a
Slide 39: Environmental and Social
Environmental Social Bei >iM = 2.5m >1,800 27. Entrepreneurs actively Trained by Peruviansaccesed inclusive using IzipayYA AprendeMas insurance through Rumbo & Vida Cash in 1Q25 reduction of carbon footprint 4. reduction of energy consumption
Slide 40: Strong corporate governance
Strong corp6rate governance BOD with independent members a 7 \ 4D) Vw ‘ws 1 Strong corporate governance Highly supervised related party exposure, well below regulatory limits Governance in accordance with NYSE and SEC Participation in S&P Global Corporate Sustainability Assessment Member of S&P/BVL
Slide 41: Guidance
GF sae ra | ( erat ws agg 0 OP" yam . hse Ml Guidance ar
Slide 42: Operating trends 1Q 2025
Operating trends 1Q 2025 Profitability Continued path to recovery IFS ROE 16.3% ~ ‘4. s¢ Revenues Slight recovery NIM IBK NIM 5.2%
Slide 43: Solid start to the year
Solid start to the year Growth in insurance and wealth management continues
Slide 44: Slide 44
Slide 45: Diversified business platform
Diversified business platform Net Income by segment (S/. bn) Banking Insurance Wealth management % of -@60600 6060 0 86 o & & & 1229 292 198 200 1011 1007 202 856 130 137 oe - § =z 2018 2019 2023 2024 2018 2019 2023 2024 2018 2019 2023 2024 RoE (20%) (73%) Payout ‘45%! (459%!
Slide 46: IFS P&L 1Q25
IFS P&L 1Q25 S| million sechg sechg 1924 4a24 1025 @0@ YoY Interest and similar income 1800.2 17265 17296 0.2% 39% Interest and similar expense 667.0 S754 -8707 0.8% 14.4% Net interest and similar income 1133.2 1511 1158.9 0.7% 2.3% Impairment loss on loans, net of recoveries 548.9 319.7 343.0 13% —
Slide 47: IFS statement of financial position 1Q25
IFS statement of financial position 1Q25 Intercorp Financial Services! Statement of financial position S| million séchg sch 1024 4a24 1025 @0@ YoY Assets Cash and due from banks and interbank funds 13,3612 128353 13,249.9 3.2% -0.8% Financial investments 265159 — 26,857.9 —-26,810.7 0.2% 11% Loans,
Slide 48: Banking P&L 1Q25
Banking P&L 1Q25 S} million Sechg sechg 1024 4a24 1025 @0@ YoY Interest and similar income ys104 1469.0 1442.2 1.8% 4.5% Interest and similar expense 7596.2 519 497.9 27% 716.5% Net interest and similar income 14.2 987.1 944.3 1.3% 3.3% Impairment loss on loans, net of recoveries 548.8 319.7 3428 1.
Slide 49: Banking statement of financial position 1Q25
Banking statement of financial position 1Q25 S| million séchg sch 1024 4a24 1025 @0@ YoY Assets Cash and due from banks and interbank funds 12,200.0 118866 = 12,1210 2.0% -0.6% Financialinvestments 118920 187.5 1,456.8 2.4% 3.7% Loans, net of unearned interest 467029 — 49,337.9 49,4317 0.2% 5.8% Imp
Slide 50: Insurance P&L 1Q25
Insurance P&L 1Q25 S} million sch séchg 1924 4Q24 1025 @o@ YoY Interest and similar income 2388 2126 258.2 215% 8.2% Interest and similar expenses 423 365 495 35.6% 17.0% Net Interest and similar income 196.4 17641 208.7 18.5% 6.3% Recovery (loss) due to impairment of financial investments 389 40 -5
Slide 51: Insurance statement of financial position 1Q25
Insurance statement of financial position 1Q25 S| million séchg sch 1024 4a24 1025 @0@ YoY Assets Cash and due from banks and interbank funds 539.4 203.9 442.2 nm. 18.0% Financialinvestments 12,4150 13,6695 13,5514 0.9% 9.2% Property, furniture and equipment, net 255 257 25.4 1% 0.2% Otherassets 2,2
Slide 52: Wealth Management P&L 1Q25
Wealth Management P&L 1Q25 S/ million %chg %chg 1924 4Q24 1Q25 QoQ YoY Interest and similar income 48.0 423 40.6 4.0% 15.5% Interest and similar expenses -27.6 -26.6 -23.8 10.4% 13.5% Net interest and similar income 20.5 15.7 16.7 7.0% 18.2% Impairment loss on loans, net of recoveries 0.2 0.0 0.2 nm
Slide 53: Wealth Management statement of financial position 1Q25
Wealth Management statement of financial position 1Q25 S| million séchg sch 1024 4a24 1025 @0@ YoY Assets Cash and due from banks and interbank funds 509.2 533.6 618.5 15.9% 21.5% Financialinvestments 2,084.5, 1986.4 2,018.6 16% -3.2% Loans, net of unearned interest 15184 16225 1613.2 0.6% 6.2% Impa
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