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Intercorp Financial Services (IFS) investor relations material
Intercorp Financial Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net profit for the first nine months of 2025 increased by 81% year-over-year, with Q3 net income at S/456 million and ROE at 17.4% (18.3% excluding Rutas de Lima one-off).
Strong business momentum driven by higher-yielding loans, improved risk-adjusted NIM, and double-digit growth in insurance and wealth management.
Digital transformation advanced, with 83% of retail clients using digital channels and digital sales at 68%.
Peru's economy grew 3.3% YTD, supported by consumption, private investment, and stable inflation.
Maintained prudent outlook amid global and political uncertainties, but expect continued growth due to strong fundamentals.
Financial highlights
Q3 net income reached S/456 million, up 17% year-over-year, with ROE around 16%.
Higher-yielding loans grew 7% year-over-year and 3% sequentially; total loan portfolio expanded over 5% year-over-year.
Fee income up 8% year-over-year, driven by retail and commercial banking activity.
Risk-adjusted NIM increased 40 bps in the quarter to 3.8%, with cost of risk at 2.1%.
Efficiency ratio improved to 36.7% for 9M25.
Outlook and guidance
Year-end ROE expected near 17%, subject to Rutas de Lima impact.
Loan growth for 2025 and 2026 projected to remain above system average, with consumer and credit card loans expected to outpace GDP growth.
NIM anticipated to recover slightly, supported by higher-yielding segments and lower funding costs.
Focus remains on efficiency, digital transformation, and sustainable growth across all segments.
Cost of risk expected to stay below guidance, offsetting margin pressures.
Expected recovery from Rutas de Lima impairment?
Impact of AFP withdrawals on retail loan growth?
Corporate loan growth outlook for 2026?
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Next Intercorp Financial Services earnings date
Q4 20256 Feb, 2026
Next Intercorp Financial Services earnings date
Q4 20256 Feb, 2026
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