Investor Presentaiton
Interbank has a solid and profitable profile among its peers (2016)
Interbank
>BCP>
Banco
+
Banco
Banco de Chile
Santander
DAVIVIENDA
Bancolombia
Santander
† Galicia
Country of Operation
0
0
NIM (1)
6.3%
7.6%
5.8%
4.7%
4.5%
3.6%
3.0%
3.0%
23.2%
23.5%
16.9%
18.6%
15.0%
31.6%
ROE (2)
13.8%
14.4%
ROAA (3)
3.1%
2.1%
2.4%
2.3%
2.1%
1.3%
1.1%
1.3%
62%
52%
55%
41%
41%
41%
37%
Efficiency (%) (4
25%
PDL Ratio (%) (5)
3.0%
3.4%
2.8%
1.7%
2.1%
2.9%
1.1%
1.6%
168%
161%
145%
189%
141%
Coverage Ratio (%) (6)
116%
105%
131%
15.9%
14.6%
16.5%
15.7%
15.0%
13.4%
13.4%
14.2%
Total Capital Ratio (%) (7)
Annual reports for the year ended December 31, 2016, available at the website of each financial institution or the applicable regulator. Information of each company presented under IFRS. The preparation of financial information under
IFRS requires that management make estimates and assumptions. Information under IFRS may not be comparable.
(1) Net interest margin calculated as (Interest income-Interest Expense) / Total Earning Assets (2016). (5) PDL ratio calculated as Past-due-loans / Total Loans (2016).
(2) ROE calculated as LTM Net Income / Average LTM Equity (2016).
(3) ROA calculated as LTM Net Income / Average LTM Total Assets (2016).
(4) Efficiency ratio calculated as LTM Operating Expenses / LTM Financial Income (2016).
(6) Coverage ratio calculated as Provisions / Past-due-loans (2016).
(7) Total Capital ratio calculated as Equity Capital / Total risk-
weighted assets (2016).
☐ Intercorp Financial Services
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