Slide 1: Banking Segment CJ Interbank
Banking Segment CJ Interbank May 2025
Slide 2: Interbank at a glance
Interbank at a glance
Slide 3: Interbank at a glance
Source: Superintendencia de Banca, Seguros y AFP (SBS) and Interbank as of March 31, 2025 2 1) Figure converted to US dollars using an end of period exchange rate (Sol / US dollar) of 3.668 2) Ranking among four largest Peruvian banks
Slide 4: IFS businesses overview
S/49 bn S/462 MM US$ 7.5 System Life bn S/26 bn S/434 MM 3 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 5: IFS is part of Intercorp Group
IFS is part of Intercorp Group Financials OFS CJ Interbank Ginterseguro C1 Interfondos iC INTELIGO GROUP izipay
Slide 6: Clear strategic vision
Clear strategic vision Best bank © Leading key segments with the best digital experience 2 Profitable Iw" Developing businesses to achieve a sustainable ROE through continuous innovation growth 3 Customer's Ss 2 Being the primary bank for our customers with preference a world-class NPS, anticipating
Slide 7: Key investment highlights
Key investment highlights Robust capital base ahead of Peruvian Economy Balanced portfolio 1 among the strongest 2 supporting growth in the region and profitability afi requirements Digital bank with distinctive leadership in Peru
Slide 8: Peruvian economy among the strongest in the region
1 Peruvian economy among the strongest in the region
Slide 9: PEN/USD exchange rate
PEN/USD exchange rate (29-Sep-23 = 100%)
Slide 10: Balanced portfolio supporting growth and profitability
2 Balanced portfolio supporting growth and profitability
Slide 11: Loan portfolio mix
Commercial Commercial Consumer Consumer 31% 35% Mar23 44% Mar24 S/ 46.1 48% S/ 48.9 bn bn 22% 22% Mortgages Mortgages Commercial Consumer Consumer 21% 21% Commercial Mar24 Mar25 S/ 345.8 S/ 354.2 bn bn 19% 60% 19% 60% Mortgages Mortgages Source: SBS as of March 2025 10 Note: Under Peruvian SBS GAAP
Slide 12: Asset quality and coverage
BBVA 4.5% 2.3% BBVA 3.6% BCP 3.8% 3.1% BCP 3.5% Scotiabank 5.2% 2.9%Scotiabank 4.2% Interbank 2.1% 3.3% Interbank 2.7% 177% 4.6% 4.7% 152% 149% 145% 153% 156% 142% 148% 157% 4.3% 138% 3.8% 3.7% 3.6% 2.7% 2.6% 2.6% 2.8% Source: SBS and Company information as of March 2025 1) Defined as allowance for
Slide 13: Funding structure
Other Bonds Demand 9% 3% Due to banks 24% 10% 38% Savings 80% Deposits 35% Time 12 Source: SBS and Company information as of March 2025 Note: Under Peruvian SBS GAAP
Slide 14: Improvement in funding mix
Improvement in funding mix Low-cost funding (%) “) Low-cost funding (S/bn) | (aos) YoY CAGRvs19 | (aos) 5bn 22.0 414% = +11% 19.3 +39% +72% 13 +16% +10% 6.0 +10% +10% 1.3 1924 4Q24 125 1924 1925 @ Retail g Commercial © Institutional gy Other 1) Low-cost fundingas a % of total funding Low-cost fundin
Slide 15: Stable NIM
Stable NIM Interest-earning assets (s/bn) Evolution of yield on assets and cost of funds (%) 65,8 70,1 68,3 70,9 -e-NIM -e- Yield on loans —»- Cost of funds 2023 2024 Mar-24 — Mar-25 _e e —_, 1) Cash and due from banks [ij Investments [jf Loans 78% 8.0% 8.0% 7.9% 75% Funding breakdown (S/ bn) @ (S/n
Slide 16: Efficiency and expenses
Source: Company information as of March 2025 1) Correspondent agents includes external network 2) Total expenses are defined as Administrative expenses + Depreciation + Amortization
Slide 17: Quarterly net profit recovery
Quarterly net profit recovery Net profit (S/ mn) Quarterly net profit (S/ mn) ROE 22.0% 17.6% 12.4% 11.9% 6.6% 8.7% 15.4% 16.5% 16.3% +2.7x 1,222 1,172 YoY 341 341 304 901 934 164 i 2019 2022 2023 2024 1Q24 2Q24 3Q24 4Q24 1Q25 16
Slide 18: Robust capital base ahead of Basel III requirements
3 Robust capital base ahead of Basel Ill requirements
Slide 19: Solid capitalization levels
Solid capitalization levels CETI ratio Banking Banking System 13.2% 13.7% 12.3% 14.3%" System cen TCR 12.3% 11.8% 1.3% 11.6% -- 78% regulatory minimum 2023 2024 1924 125 () As of Feb-25 Total capital ratio (TCR) 16.5% 15.5% 2023 17.4% 15.9% 2024 15.7% 15.1% 1Q24 18.2% * 17.2% 1Q25 _-. 13.0% regulato
Slide 20: Capital surplus
~360bps capital surplus ~350bps capital surplus CET1 actual CET1 required AT1 Conservation buffer Systemic buffer Total capital actual Conservation buffer Additional requirements Total capital required Systemic buffer 19 Source: SBS and company information as of Dec24
Slide 21: Digital bank with distinctive leadership in Peru
4 Digital bank with distinctive leadership in Peru
Slide 22: World-class digital experience
Through a world-class digital experience Digital customers Digital self-service NPS Retail (% of digital customers) (% of digital self-service) (Points— Retail Banking ) Mar-24 Dic-24 Mar-25 77 Digital sales _. Dinterbank (% of products sold digitally) Mar-24 Mar-25 Retail ma Commercial Qué haremos
Slide 23: Developing primary banking relationships
Developing primary banking relationships Primary banking relationships KPIs (Data as of Mar25) 14. =< BERS MS inflows MS retail payroll deposits IBK Plin Transactions (mn) “1.7; YoY PLIN transactions ———l 5 8 Sm NPS retail
Slide 24: IBK share of Izipay
IBKeshare of Izipar Sustained growth in float fror Izipay 3 «} OWS a Cash flow coming to IBK accounts ~30% Yo" Teese ND ie a os 452% YoY float in merchants’
Slide 25: Strong culture and corporate governance, with clear focus on ESG
2) Strong culture and corporate governance, with clear focus on ESG eo meee
Slide 26: Relevant committees
Relevant committees: - Audit - Executive - Integral Risk Committee - Corporate governance - Credit directive Highly supervised related party exposure, well below regulatory limits
Slide 27: IFS Sustainability update
IFS Sustainability update Environmental HE) Un 2.5mm 71,800 Entrepreneurs actively using IzipayYA Mi wr Pncurce Rm bo Ai M Insu! UI "epee & Vida Cash in 1Q25 27% reduction of Governance carbon footprint IFS Sustainability IFS Eco-efficiency | DJSI Yearbook 71 BY, Report Committee 2025 , Publication
Slide 28: Definitions
Definitions Concept Total revenues Efficiency ratio NIM NIM after provisions Interest earning assets Loan to deposit ratio Coverage ratio PDL ratio CETI ratio TCR ratio Cost of risk ROA ROE 27 De n Gross financial margin + fee income from financial services, net + gain on financial transactions (Adm
Slide 29: Slide 29
Slide 30: Appendix
Appendix 29
Slide 31: Maintaining leadership in strategic areas
Maintaining leadership in strategic areas | -5O0bps QoQ 20.5 Mar-24 Dec-24 Mar-24 MS Consumer loans (%) | -10bps QoQ 14.5 Mar-24 Dec-24 Mar-25 MS Retail deposits (%) 30 -30bps QoQ +10bps QoQ 14.6 18.2 z a o 7 a ; : Mar-24 Dec-24 Mar-25, Mar-24 Dec-24 Mar-25, MS Retail loans (%) MS Payroll inflow (%)
Slide 32: Retail customers reached 5.3 million
Retail customers reached 5.3 million +7% Yor 50 53 5.3 1Q24 4Q24 1Q25 Banking - retail customers (mn) ( (1) New methodology +16% voy 2.9 3.0 2.5 1Q24 4Q24 1Q25 Banking - digital customers (mn) +13% YoY 125 129 Z L 1Q24 4Q24 1Q25 Banking — commercial customers (th)
Slide 33: Deposit market share
bps bps 1Q24 4Q24 1Q25 QoQ YoY Retail deposits 15.1% 14.6% 14.5% -10 -60 Commercial deposits(2) 12.4% 12.6% 12.4% -20 0 Total deposits 13.7% 13.5% 13.4% -10 -30 32 1) Payroll deductible loans to public sector employees 2) Includes institutional and others 3) Based on SBS figures
Slide 34: Improving risk-adjusted NIM amid a lower yield on loans
Improving risk-adjusted NIM admist a lower yield on loans Interest-earning assets (s/bn) 50,2 1% 69% 2019 33 70,1 658 68,3 18% 13 17% 68% 67% 65% 2023 2024 =| = Mar-24 §) Cash and due from banks [lj Investments [lj Loans 70,9 16% 67% Mar-25 Evolution of yield on assets (%) -eNIM -@-Yield on loans —»
Slide 35: Decrease in cost of funds
80 bps decrease YoY in cost of funds Funding breakdown (S/ mn) Cost of funds and deposits (%) Ref. rate YoY -125bps (S/) -100bps (US$) %oflow 28% 33% 35% 32% 35% 4.0% 59,096 2777 | 61,460 -80bps YoY 5 -90bps 2.0% 2.5% 2019 2023 2024 Mar-24 Mar-25 1924 2Q24 3Q24 4Q24 1Q25 -e-Cost of funds =-e-Cost of
Slide 36: Manageable dollarization levels
Manageable dollarization levels Gross Loans by segment & percentage in S/ 92% 92% 93% 94% 94% 94% 95% 96% 96% 96% 89% oO 78% 7656 7% 73% 74% «73% «74% 74% 73% «75% 75% oo oI Oo 58% 52% 52% 52% 51% —gooy 2015 2016 «2017 2018 «2019-2020 2021 2022 2023 2024 Mar25 o-Total Loans % in S/ ~o- Retail % in S
Slide 37: Manageable dollarization levels
Manageable dollarization levels Total loans % PEN System 27% 73% 1Q19 1Q25 Retail loans breakdown Consumer Mortgages 13% i 99% 87% 95% 1Q19 1925 1a19 1925 36 Source: SBS Retail loans Commercial loans 50% 50% 1Q25 1Q19 1Q25 Commercial loans breakdown Corporate Medium ‘Small & Micro 53% 53% 47% 47% 1Q
Slide 38: Commercial and retail segment metrics
351 351 346 354 10,325 9,082 9,226 286 214 213 209 213 181 3,396 2,233 105 137 138 137 141 2019 2023 2024 3M24 3M25 2019 2023 2024 3M24 3M25 Commercial Retail 18.2% 3.8% 16.4% 15.7% 3.7% 14.6% 14.4% 3.4% 2.9% 2.0% 2019 2022 2023 Mar-24 Feb-25 * 2019 2023 2024 3M24 3M25 37