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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 38
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