Investor Presentaiton
Key financial figures -IFS (IFRS)
S/mm
Balance Sheet
Total gross loans
Total assets
Total deposits
As and for the year ended December 31,
2014
2015
2016
2017
2017 vs. 2016
Growth/Avg.
2016 vs. 2015
23,197
26,758
27,907
29,189
4.6%
4.3%
40,376
50,001
51,714
60,679
17.3%
3.4%
23,381
28,488
30,098
32,608
8.3%
5.7%
4,302
4,461
4,998
5,837
16.8%
12.0%
Total equity
Income Statement
Net interest and similar income
2,040
2,421
2,623
2,689
2.5%
8.3%
Provision for loan losses, net of recoveries
(426)
(646)
(784)
(828)
5.7%
21.3%
Total other income
1,244
1,506
1,304
1,473
13.0%
-13.4%
Net Premiums
676
775
592
624
5.3%
-23.6%
Adjustment of technical reserves
(515)
(411)
(521)
(560)
7.4%
26.9%
Net claims and benefits incurred
(181)
(259)
(318)
(412)
29.6%
22.9%
Total premiums earned less claims and benefits
(20)
106
(247)
(412)
66.7%
n.m.
Total other expenses
(1,541)
(1,770)
(1,748)
(1,837)
5.1%
-1.2%
Total net profit
963
1,239
834
838
0.5%
-32.7%
Key Ratios
Net interest margin
5.7%
5.8%
5.6%
5.4%
-20 bps
-20 bps
ROAA
2.5%
2.8%
1.7%
1.6%
-10 bps
-110 bps
ROAE
24.6%
28.7%
17.4%
15.7%
-170 bps
n.m.
ROAE excluding discount rate impact on technical
23.1%
23.7%
19.8%
19.5%
-30 bps
-390 bps
reserves
Efficiency ratio
(1)
41.6%
36.7%
40.5%
39.8%
-70 bps
380 bps
Past-due-loan ratio
2.3%
2.2%
2.5%
2.7%
20 bps
30 bps
Source: Company information.
(1)
Efficiency ratio is calculated by dividing (x) salaries and employee benefits plus administrative expenses plus depreciation and
amortization by (y) net interest and similar income plus fee income plus other income plus net premiums earned.
Intercorp Financial Services
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