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Banco Internacional del Peru
Banco Internacional del Peru (INTERBC1) investor relations material
Banco Internacional del Peru H1 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2024 earnings summary16 Jul, 2024
Executive summary
Net income for 2Q24 reached S/163.7 million, up S/38.7 million quarter-over-quarter, but down S/98.2 million year-over-year, driven by higher financial margin and service income, offset by increased provisions and administrative expenses.
Annualized ROE was 8.7% in 2Q24, above 1Q24 (6.6%) but below 2Q23 (14.8%).
Profitability improved sequentially, but annual performance was impacted by higher credit provisions and lower service income.
Financial highlights
Gross financial margin rose 3.0% quarter-over-quarter and 1.6% year-over-year, supported by lower financial expenses.
Net income for the first half of 2024 was S/288.7 million, down from S/575.9 million in the same period of 2023.
EPS for the first half of 2024 was S/0.049, compared to S/0.098 in 1H23.
Net interest margin (NIM) increased to 5.4% in 2Q24, up 30 bps quarter-over-quarter and 10 bps year-over-year.
Provisions for loan losses rose 1.0% quarter-over-quarter and 42.5% year-over-year, reaching S/536.8 million in 2Q24.
Administrative expenses increased 7.1% quarter-over-quarter and 1.7% year-over-year.
Outlook and guidance
The bank continues to focus on commercial loan growth, supported by government programs such as Impulso Myperu, while managing credit risk and maintaining strong capital ratios.
Regulatory capital requirements will increase to 10% by March 2025, but current capital ratios remain well above minimums.
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Frequently asked questions
Banco Internacional del Perú, also known as Interbank, is a Peru-based financial institution that provides a broad range of banking products and services to individuals, small and medium-sized enterprises, and corporate clients. The bank offers savings and checking accounts, personal and business loans, credit cards, mortgages, investment services, and insurance products. Interbank operates through a network of branches, ATMs, and digital platforms to support nationwide financial access. The company is headquartered in Lima, Peru, and its shares are listed on the BVL.