Slide 1: Banking Segment
Banking Segment CJ Interbank August 2025
Slide 2: Interbank at a glance
Interbank at a glance
Slide 3: Leading bank in Peru with solid financial performance
Leading bank in Peru with solid financial performance… Financial highlights (2) Leading position in the Peruvian banking system As of June 30, 2025 S/ mn | US$ mn Assets (1) 75,009 | 21,177 Gross loans (1) 50,073 | 14,137 15% 21% 11 % Deposits (1) 52,069 | 14,700 Market share in Market share in Mark
Slide 4: Leading financial digital platform with strategic focus on key businesses
Leading financial digital platform with strategic focus on key businesses Banking Insurance Wealth management Universal bank with distinctive focus Insurance company focused Advisory firm for the on a balanced portfolio on life & annuities emerging wealthy Interfondos Commercial Retail Life 32% Inte
Slide 5: IFS is part of Intercorp Group
IFS is part of Intercorp Group Financials Retail Education Health Entertainment Corporate services
Slide 6: Clear strategic vision
Clear strategic vision 1 Best bank Leading key segments with the best digital experience Profitable 2 growth Developing businesses to achieve a sustainable ROE through continuous innovation Customer’s 3 preference Being the primary bank for our customers with a world -class NPS , anticipating their
Slide 7: Key investment highlights
Key investment highlights Robust capital Peruvian Economy Balanced portfolio 1 among the strongest in the region 2 supporting growth and profitability 3 base ahead of Basel III requirements Strong culture and corporate 4 Digital bank with distinctive leadership in Peru 5 governance, with clear focus
Slide 8: Peruvian economy among the strongest in the region
1 Peruvian economy among the strongest in the region
Slide 9: Peru at a glance
Peru at a glance Population PBI 2025E Domestic demand Main export 2025E products 3.1% 4.4% Copper Gold 32% 20% 34 Million Agro 14% Debt to GDP Risk Rating Net international Loans to GDP reserves to GDP S&P BBB 33% Moody’s Fitch Baa1 BBB 28% 33%
Slide 10: Peruvian economy: persistent positive macro indicators
Peruvian economy: persistent positive macro indicators Improved economic activity Better employment Decreasing interest rates GDP growth YoY (%) Lima Metropolitana Reference rate (%) 2025(E) 10.9 10.2 Last update : 3.1% 9.1 7.6 7.7 BCRP: 4.25% 5.75 FED: 4.25% 5.25 3.8% 4.2% 3.9% 2.2 5.00 3.6% 6.0 5.
Slide 11: Balanced portfolio supporting growth and profitability
2 Balanced portfolio supporting growth and profitability
Slide 12: Balanced portfolio
Balanced portfolio Interbank total loan breakdown Leading position in consumer loans – Market share (%) (1) Consumer Consumer 33% 26% 30% 20% 18% Jun24 46% Commercial Jun25 S/ 48.0 S/ 50.1 48% Commercial 14% bn bn 21% 22% Mortgages Mortgages BCP Interbank BBVA Scotiabank Banking system total loan br
Slide 13: Strong PDL ratios
Strong PDL ratios PDL ratio evolution (%) PDL ratio vs. peers (%) Interbank System Commercial loans Retail loans Total loans 4.3% 4.4% 3.7% 3.5% BBVA BBVA 4.2% 2.2% BBVA 3.4% 3.0% BCP BCP 3.7% 3.1% BCP 3.4% 3.5% 3.4% Scotiabank Scotiabank 4.9% 2.8%Scotiabank 4.0% 2.6% 2.7% 2.6% Interbank 1.8% 3.3% I
Slide 14: Diversified funding base
Diversified funding base Significant deposits base Growing deposit franchise Bonds Other Demand 9% 3% Due to banks 11% 23% 7.4% 6.1% 5.5% 6.3% 39% Savings 80% Deposits 35% Time CAGR 2019-Jun25 Jun25 YoY Interbank System Solid loan to deposit ratio (%) System average MS Retail deposits 94% 13.5% 15.1
Slide 15: Improvement in funding mix
Improvement in funding mix Low -cost funding (%) (1) Low -cost funding (S/bn) YoY CAGR vs 19 4Q19 4Q19 28% S/12.5 bn 22.1 +12% +11% 34% 19.7 32% 2.1 +113% +n.m.% 1.0 6.7 +7% +8% 6.3 12.6 +8% +10% 11.7 2Q24 2Q25 2Q24 2Q25 Retail Commercial Institutional Other 1) Low cost funding as a % of total fundi
Slide 16: Stable NIM
Stable NIM Interest -earning assets (s/bn) Evolution of yield on assets and cost of funds (%) 70,1 72,4 65,8 67,8 17% 18% 17% NIM Yield on loans Cost of funds Risk-adjusted NIM 14% 50,2 16% 17% 16% 18% 20% 11% 67% 65% 67% 68% 69% 2019 1 2023 2 2024 3 Jun24 4 Jun25 5 10.5% 10.4% Cash and due from ban
Slide 17: Continuous focus on efficiency
Continuous focus on efficiency Total expenses (S/ mm) Banking expenses bridge (S/ mm) C/I 40.6% 41.4% YoY +8% +23% +1% +10% 38.3% 39.2% 40.2% ratio +23 +70 +5 1,868 1,962 1,570 1,060 962 1,060 1H24 Technology Personnel Mktg & others 1H25 962 1,598 2019 4,149 2019 255 2019 1,698 7,625 Jun25 148 Jun25
Slide 18: 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% 15.5% 6.6% 8.7% 15.4% 16.5% 15.1% +2x 1,222 1,172 341 YoY 341 327 304 901 934 669 164 2019 2022 2023 2024 1H25 2Q24 3Q24 4Q24 1Q25 2Q25 17
Slide 19: Robust capital base ahead of Basel III requirements
3 Robust capital base ahead of Basel III requirements
Slide 20: Solid capitalization levels
Solid capitalization levels CET1 ratio Total capital ratio (TCR) Banking Banking 13.2% 13.7% 11.7% 13.6%* System 16.5% 17.4% 15.9% 17.7% * System CET1 TCR 16.9% 12.3% 15.5% 15.9% 11.8% 11.7% 15.0% 11.2% 13.0% regulatory minimum 7.8% regulatory minimum 2023 2024 Jun24 Jun25 2023 2024 Jun24 Jun25 (*)
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% 16,9% ~270bps capital surplus ~270bps capital 14,2% surplus 13,6% 9,0% 1,2% 8,4% 0,5% 1,2% 0,5% 0,5% 0,5% 1,9% 2,5% 2,5% 1,9% 1,5% 1,5% 10,0% 10,0% 4,5% 4,5% CET1 Jun2
Slide 22: Digital bank with distinctive leadership in Peru
4 Digital bank with distinctive leadership in Peru
Slide 23: Through a 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 ) 80 83 77 78 61 55 56 Jun24 Jun25 Jun24 Jun25 Jun24 Dec24 Jun25 Digital sales (% of products sold digitally) 71 74 69 71 Hola
Slide 24: Developing primary banking relationships
Developing primary banking relationships +10 % Primary banking relationships KPIs (Data as of Jun25) YoY retail primary banking customers ~14 % ~15% MS inflows MS retail payroll deposits IBK Plin Transactions (mn) (1) ~1.5x YoY PLIN transactions 105 162 >26 % 56 MS credit NPS retail 2Q24 2Q25 cards
Slide 25: Our payments ecosystem continues to grow
Individuals Our payments ecosystem continues to grow 83 % Digital retail +13% YoY Plin customers active users Merchants Businesses +1.7x YoY IzipayYa +20 % YoY Sales volume Finance loans +20 % YoY Small ~ 39 % IBK share of businesses deposits Izipay flows
Slide 26: Strong culture and corporate governance, with clear focus on ESG
5 Strong culture and corporate governance, with clear focus on ESG
Slide 27: Strong corporate governance
Strong corporate governance BOD with independent members Board of directors 6 Strong corporate governance Relevant committees: - Audit - Executive - Integral Risk Committee Independent - Corporate governance - Credit directive members Highly supervised related party exposure, well 11 below regulator
Slide 28: IFS Sustainability update
IFS Sustainability update Environmental Social +USD 401 mn Sustainable loans >1.2M Entrepreneurs actively Great Place To Work 2025 using IzipayYA Interbank #2 Interbank #3 33 Financial stores obtained iREC certificates for Governance renewable energy use 100 % Equator Principles Report of agricultur
Slide 29: 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
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Slide 31: Appendix
Appendix 30
Slide 32: Maintaining leadership in strategic areas
Maintaining leadership in strategic areas -80 bps QoQ -90bps QoQ -50bps QoQ 21.8 20.5 18.8 18.2 17.9 19.7 14.1 14.0 13.5 Jun24 Mar25 Jun25 Jun24 Mar25 Jun25 Jun24 Mar25 Jun25 MS Consumer loans (%) MS Retail loans (%) MS Payroll inflow (%) 0bps QoQ +2 0 bps QoQ +190bps QoQ 15.0 14.5 14.5 11.1 18.4 10
Slide 33: Retail customers reached 5.3 million
Retail customers reached 5.3 million + 4 % YoY + 11% YoY +12% YoY 2.8 3.0 3.1 135 5.3 5.3 129 5.1 121 2Q24 1Q25 2Q25 2Q24 1Q25 2Q25 2Q24 1Q25 2Q25 Banking – retail customers (mn) (1) Banking – digital customers (mn) Banking – commercial customers (th) (1) New methodology
Slide 34: Expanding market share in loans & deposits
Expanding market share in loans & deposits Breakdown of loans (S/ mn) Funding structure (S/ mn) %chg %chg %chg %chg 2Q24 1Q25 2Q25 QoQ YoY 2Q24 1Q25 2Q25 QoQ YoY Consumer loans Deposits 48,503.4 50,706.3 52,069.1 2.7% 7.4% Credit cards & other loans 8,871.5 8,497.7 8,544.0 0.5% -3.7% (1) Retail 25,3
Slide 35: 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) Evolution of yield on assets (%) NIM NIM on loans Risk-Adjusted NIM 72,4 70,1 67,8 65,8 17% 17% 14% 18% 50,2 16% 17% 16% 18% 8.0% 8.0% 7.9% 7.6% 7.5% 20% 11% 5.2% 5.3% 5.2% 5.1% 5.0% 68% 67% 65% 67% 69% 3.2% 3
Slide 36: 40 bps decrease YoY in cost of funds
40 bps decrease YoY in cost of funds Funding breakdown (S/ mn) Cost of funds and deposits (%) Ref. rate YoY - 125bps (S/) -100bps (US$) % of low - 28% 33% 35% 32% 34% cost funding 3.6% 62,777 64,745 3.5% 59,096 61,542 7% 9% 7% 7% 3.2% 3.2% 3.2% -40bps 11% 15% 11% 10% 45,215 15% 14% YoY 13% 3.2% 8% 4
Slide 37: Manageable dollarization levels
Manageable dollarization levels Gross Loans by segment & percentage in S/ Currency mix Jun25 92% 92% 93% 94% 94% 94% 95% 96% 96% Gross Loans Total Assets 89% 78% 76% 73% 74% 73% 74% 74% 73% 75% 74% USD USD 71% 64% 26% 33% 58% 52% 52% 52% 51% 50% 52% 49% 44% S/ S/ 74% 67% 2015 2016 2017 2018 2019 202
Slide 38: Manageable dollarization levels
Manageable dollarization levels Total loans Retail loans Commercial loans % PEN 69% 73% 90% 94% 57% 60% System 7% 3% 26% 26% 50% 50% 93% 96% 74% 74% 50% 50% 2Q19 2Q25 2Q19 2Q25 2Q19 2Q25 Retail loans breakdown Commercial loans breakdown Consumer Mortgages Corporate Medium Small & Micro 96% 95% 85% 9
Slide 39: Overview of Peruvian banking system
Overview of Peruvian banking system Banking system gross loans (S/ bn) Banking system net profit (S/ mn) ROE 17.3% 14.4% 14.6% 12.6% 18.4% 351 351 355 363 10,325 9,082 9,226 286 7,072 214 213 217 217 181 4,405 105 137 138 137 145 2019 2023 2024 1H24 1H25 2019 2023 2024 1H24 1H25 Commercial Retail Ba