Slide 1: Banking Segment
Banking Segment May 2026
Slide 2: Interbank at a glance
Key investment highlights Interbank at a glance
Slide 3: Interbank is a universal bank with a leading position in consumer finance
Interbank is a universal bank with a leading position in consumer finance Financial highlights Market leadership across key businesses As of March 31, 2026 S/ mn | US$ mn Assets (1) 78,647 | 22,517 Gross loans (1) 51,347 |14,701 14% 19% 11 % Deposits (1) 53,758 | 15,391 Market share in Market share
Slide 4: The cornerstone of IFS, a robust financial services platform
The cornerstone of IFS, a robust financial services platform IFS’ Key highlights as of 1Q25 Credit BB+ / BBB S&P / Fitch rating >$5.7bn Market cap Listed in NYSE: IFS Universal bank with Insurance company Advisory firm for the a balanced portfolio focused on life & annuities emerging wealthy Total A
Slide 5: IFS is part of Intercorp Group
IFS is part of Intercorp Group Financials Retail Education Health Entertainment Corporate services 3
Slide 6: Value-generating strategy
Value -generating strategy 1 Profitable growth Growing profitability by focusing on businesses key segments and Customer 2 centricity Centering the client by learning to understand and anticipate their needs 3 Delivering simple, frictionless experiences, enabled Digital by a world -class digital ban
Slide 7: Key investment highlights
Key investment highlights Peruvian economy Diversified banking Profitability driven 1 among the strongest in the region 2 businesses supporting continuous growth 3 by solid financial performance Strong culture and corporate 4 Innovative approach to deepen primary banking relationships 5 governance,
Slide 8: Key investment highlights
Key investment highlights 1 Peruvian economy among the strongest in the region 2 Diversified banking platform supporting continuous growth 3 Rebounding profitability driven by solid financial performance 4 Innovative approach to deepen primary banking relationships 5 Sound culture & corporate govern
Slide 9: Peru at a glance
Peru at a glance Population PBI 2026E Domestic demand Main export 2026E products 3.2% 5.8 % Copper Gold 32% 20% 34 Million Agro 14% Debt to GDP Risk Rating Net international Loans to GDP 2026E reserves to GDP S&P BBB - 31% Moody’s Fitch Baa1 BBB 28% 33% 6
Slide 10: Stable economic indicators, amid rising uncertainty
Stable economic indicators, amid rising uncertainty Resilient economic activity Stable interest rates (%) FEN probability Outlook (Jul -Sep , %) GDP growth YoY (%) 2025 3.4% 47 46 48 4.75 4.50 4.25 4.25 4.25 4.1% 21 3.8% 3.5% 4.50 4.50 2.8% 3.2% 4.25 2 3 3.75 3.75 Mar25 Jun25 Sep25 Dec25 May26 Jan-2
Slide 11: Ample opportunity in the financial sector
Ample opportunity in the financial sector Banking sector in its prime for expansion Large untapped banking opportunity present (2024 Account ownership in population 15+yrs | %) (Peru´s loan portfolio evolution | US$ bn) 85% 86% 106 59% 57% 53% 100 97 96 95 PERU MEXICO COLOMBIA CHILE BRAZIL 2022 2023
Slide 12: Key investment highlights
Key investment highlights 1 Peruvian economy among the strongest in the region 2 Diversified banking platform supporting continuous growth 3 Rebounding profitability driven by solid financial performance 4 Innovative approach to deepen primary banking relationships 5 Sound culture & corporate govern
Slide 13: Growing loan portfolio and gaining market share
Growing loan portfolio and gaining market share Interbank total loan breakdown Leading position in consumer loans – Market share (%) (1) +4.9% YoY Consumer Consumer 31% 30% 26% 31% Mar25 Mar26 48% 20% 19% 48% Commercial 48% Commercial S/ 48.9 S/ 51.3 13% bn bn 22% 22% 23% Mortgages BCP BBVA Interban
Slide 14: Strong PDL ratios
Strong PDL ratios PDL ratio evolution (%) PDL ratio vs. peers (%) Commercial loans Retail loans Total loans 3.7% 3.7% 3.3% 3.0% Scotiabank 4.8% Interbank 2.9% Scotiabank 3.8% BBVA 3.7% Scotiabank 2.5% BBVA 2.9% 2.7% 2.5% 2.7% 2.3% BCP 3.1% BCP 2.4% BCP 2.8% Interbank 1.6% BBVA 1.9% Interbank 2.3% 20
Slide 15: Diversified & growing funding base
Diversified & growing funding base (1) Funding base breakdown (%) Low -cost funding Other Bonds +390 bps 3% 9% Demand Due to Savings 25% 39.6% 40.1% 9% 36.2% 35.3% Banks 40% 9% 82% Deposits Time 82% 32% 2024 2025 1Q25 1Q26 Solid loan to deposit ratio (%) System avg . Fast growing deposit base Mar 20
Slide 16: Key investment highlights
Key investment highlights 1 Peruvian economy among the strongest in the region 2 Diversified banking platform supporting continuous growth 3 Rebounding profitability driven by solid financial performance 4 Innovative approach to deepen primary banking relationships 5 Sound culture & corporate govern
Slide 17: Stable NIM, strong risk-adjusted performance
Stable NIM, strong risk -adjusted performance Interest -earning assets (s/bn) Evolution of yield on assets and cost of funds (%) 70.1 71.7 73.0 78.4 17% 18% 17% 17% 16% 16% 16% 17% NIM Yield on loans Cost of funds Risk-adjusted NIM 67% 66% 68% 66% 10.5% 9.9% 9.9% 2024 2025 1Q25 1Q26 9.6% Loans Inves
Slide 18: Double digit growth in fee income
Double digit growth in fee income Fee income from financial services (S/ mn) Fee income as a % of operating revenues +30bps +10% YoY YoY 710 13.6% 13.6% 619 13.3% 12.7% 186 170 2024 2025 1Q25 1Q26 2024 2025 1Q25 1Q26 13
Slide 19: Efficiency remains a top priority
Efficiency remains a top priority Focus on efficiency ratio Banking expenses bridge (S/ mm) YoY +15% +13% +15% +14% 26 585 C/I 17 42.0% 39.9% 42.7% 31 ratio 40.2% 511 2024 2025 1Q25 1Q26 1Q25 Technology Personnel Others 1Q26 Total expenses (S/ mm) Optimizing key distribution channels (# of financial
Slide 20: Stronger profitability, with ROE at 19%
Stronger profitability, with ROE at 19% Net income (S/ mn) Return on equity (%) ROA 1.3% 2.0% 1.9% 2.4% +37% +310bps YoY YoY 19.2% 1,459 16.2% 16.1% 11.9% 934 467 341 2024 2025 1Q25 1Q26 2024 2025 1Q25 1Q26 15
Slide 21: Comfortable buffers ahead of Basel III requirements
Comfortable buffers ahead of Basel III requirements CET1 and regulatory requirements Total capital and regulatory requirements 11.7% 15.5% 14.2% 1.9% Buffer 13.6% 1.2% 3.3% Buffer 1.2% 9.0% 0.5% 8.4% 0.5% 0.5% 2.5% 1.9% 0.5% 2.5% 1.9% 1.5% 1.5% 13.6% 1,5% 1,5% 8.4% 10.0% 10.0% 4.5% 4.5% 4,5% 4,5% TC
Slide 22: Key investment highlights
Key investment highlights 1 Peruvian economy among the strongest in the region 2 Diversified banking platform supporting continuous growth 3 Rebounding profitability driven by solid financial performance 4 Innovative approach to deepen primary banking relationships 5 Sound culture & corporate govern
Slide 23: Integrated digital bank
Integrated digital bank Payments Virtual piggy bank 5.8 mm Total My customers finances Digital financing 84% Digital retail customers 100% Digital account Loyalty & promotions 75% Digital commercial customers Marketplace Source: Superintendencia de Banca, Seguros y AFP (SBS), Asociación de Bancos de
Slide 24: Creating stronger primary banking relationships by delivering a top digital experience
Creating stronger primary banking relationships by delivering a top digital experience +14% Digital customers (% of digital customers ) Retail Commercial YoY retail primary 75 84 72 banking customers 82 Mar25 Mar26 Mar25 Mar26 IBK Plin Transactions (mn) (1) +49 % YoY PLIN NPS Retail NPS Commercial (
Slide 25: Our payments ecosystem as a key driver of low-cost funding
Our payments Individuals ecosystem as a key driver of low-cost funding +84 % Digital retail +49 % YoY Plin customers transactions Small businesses Businesses +40 % YoY Small +16% Izipay flows to businesses ’ deposits IBK accounts 19
Slide 26: Key investment highlights
Key investment highlights 1 Peruvian economy among the strongest in the region 2 Diversified banking platform supporting continuous growth 3 Rebounding profitability driven by solid financial performance 4 Innovative approach to deepen primary banking relationships 5 Sound culture & corporate govern
Slide 27: Focus on building a sustainable business
Focus on building a sustainable business Environmental IFS CSA results 2025 • Sustainable loans for up to U$540mm 78 +10 • First financed -emissions baseline (18% commercial portfolio) 69 +8 62 61 78 • Climate -tech training to boost green -financing capabilities 53 +9 -1 68 62 61 53 Social 2021 202
Slide 28: Interbank culture: our way of working underpins our success
Interbank culture: our way of working underpins our success Our Strategic Values Our culture Our awards in 2025/2026 #1 Best places to work We have a value -driven From GPTW culture Integrity Courage #2 in Diversity & inclusion From GPTW #3 Best place for women One where everyone feels From GPTW the
Slide 29: Strong corporate governance
Strong corporate governance BOD with independent members Board of directors 5 Strong corporate governance Relevant committees: - Audit - Executive - Integral Risk Committee Independent - Corporate governance - Credit directive members Highly supervised related party exposure, well below 9 regulatory
Slide 30: Definitions
Definitions Concept Definition Total revenues Gross financial margin + fee income from financial services, net + gain on financial transactions Efficiency ratio (Administrative expenses + Depreciation + amortization) / (total revenues) NIM (Annualized gross financial margin) / (Average interest -ear
Slide 31: Appendix
Appendix 30
Slide 32: Solid capitalization levels
Solid capitalization levels CET1 ratio Total capital ratio (TCR) Banking Banking 13.2% 13.7% 14.3% System 16.5% 17.4% 18.1% System CET1 TCR 15.9% 16.0% 12.3% 12.5% 15.5% 11.8% 13.6% regulatory minimum 8.4% regulatory minimum 2023 2024 2025 2023 2024 2025 Source: SBS and company information as of Dec
Slide 33: Retail customers reached 5.6 million
Retail customers reached 5.6 million +6 % YoY +8 % YoY 142 143 5.6 5.5 132 5.3 1Q25 4Q25 1Q26 1Q25 4Q25 1Q26 Banking – retail customers (mn) (1) Banking – commercial customers (th) (1) New methodology 26
Slide 34: Manageable dollarization levels at Interbank
Manageable dollarization levels at Interbank Total loans Retail loans Commercial loans % PEN 73% 93% 94% 60% 59% 73% System 4% 4% 25% 27% 49% 53% 96% 96% 75% 73% 51% 47% 1Q25 1Q26 1Q25 1Q26 1Q25 1Q26 Retail loans breakdown Commercial loans breakdown Consumer Mortgages Corporate Medium Small & Micro
Slide 35: Overview of Peruvian banking system
Overview of Peruvian banking system Banking system gross loans (S/ bn) Banking system net profit (S/ mn) ROE 14.6% 19.0% 16.7% 19.6% 351 370 354 14,147 10,325 213 220 214 223 3,396 4,193 138 151 141 154 2024 2025 1Q25 1Q26 2024 2025 1Q25 1Q26 Commercial Retail Banking system TCR (%) Asset quality –
Slide 36: Banking Segment
Banking Segment May 2026