Rating Scale Peru Chile Colombia Brazil Mexico AA-/Aa3 *+7 - - PowerPoint PPT Presentation

Rating Scale Peru Chile Colombia Brazil Mexico AA-/Aa3 *+7 A+/A1 *+6 Moody's (estable) S&P (estable) A/A2 *+5 Fitch (estable) A-/A3 *+4 Moody's (estable) Moody's (negative) BBB+/Baa1 *+3 S&P(estable) Fitch (estable) S&P (negative) BBB/Baa2 *+2 Moody's (estable) Fitch (negative) Fitch (estable) BBB-/Baa3 *+1 S&P (estable) BB+/Ba1 *-1 BB/Ba2 *-2 Moody's (estable) BB-/Ba3

• 3

S&P (estable) Fitch (estable) B+/B1

• 4

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0.0 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0

3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19e

Non-primary GDP GDP

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Project Metal Investment (USD millions) State Quellaveco Copper

5,300

Mina Justa Copper

1,600

Toromocho Expansion Copper

1,360

Zafranal Copper

1,200

Los Chancas Copper, Molybdenum

2,800

Rio Blanco Copper

2,500

Pukaqaqa Copper

700

Yanacocha Sulfuros Copper

2,100

Haquira Copper

2,800

Magistral Copper

500

Pampas de Pongo Iron

2,500

Michiquillay Copper

2,500

Corani Silver

600

Tía María Copper

1,400

Galeno Copper

3,500

Conga Copper, Gold

4,800

Total 36,160

Project Investment (USD millions) State Major 12,500 El Niño Reconstruction 7,900 Southern Peruvian Pipeline 4,600 Airports 2,160 Jorge Chávez Expansion 1,500 Chinchero Airport 660 Irrigation 1,265 Majes Siguas II 550 Chavimochic III 715 Ports 840 Chancay Port - Phase I 420 San Martín General Port 260 Salaverry Port - Phase I 160 Railways 5,600 Line 2 Lima's Metro 5,600 Roads 2,400 Sol Highway 400 Lima Periferical Ring 2,000 Total 24,765

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• 2.0
• 1.0

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 15.0 16.0 17.0 18.0 19.0 20.0 21.0 22.0 23.0 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Others Detractions and Excise Tax increase Evasion and ellusion measures

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46

Advance on wages Consumer loans 43% 45% 23% 43%

▲ 135% YoY ▲ 4% YoY

YTD Sep18

Chart 4: Digital and Self-Served Sales Evolution (3)

(thousand of units, % of total units)

Chart 2: Digital Clients (1)

(% of total clients)

2016 2017 2018 Sep 19 21% 24% 31% 38%

+17pp

25%

2,404

6% 27%

1,905

12%

(1) Consumer Banking Customers who conducts 50% of their monetary transactions online; or conducts 50% of their non-monetary transactions online; or buys products online in the last 12 months (2) Off-branch: Digital (Yape, mobile banking and internet banking, office banking) Self-Served (POS, Call center, ATM, Kiosk) (3) Units of products sold through each channel type in Consumer Banking - Digital: mobile and internet banking - Self-Served: ATM and Kiosk

Chart 3: Off-Branch transactions (2)

(% of total transactions)

50% 47% 43% 39% 41% 46% 51% 57%

95% 93% 2016 96% 2017 92% 2018 YTD – Sep 19 Digital Self-Served Self-Served Digital 2.1 Millions 3.0 Millions

#1 in all customer segments Chart 1: Customer satisfaction evolution

YTD – Sep 18

+42%

% of digital sales by product YTD – Sep 19

YTD Sep19

47

0.17 0.21 0.27 0.38 0.70 1.09 1.48 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19

Yape total users

(millions of users) +35.5%

Next features…

Today

And more…

2021 Goal 10 million users

Payments Ecosystem

1 2 3 4 5 6 Payments P2P Payments P2MB (1) Landing QR code Yape Pre- payment Yape for business Nano Loans

2020 2021

(1) P2MB: Peer-to-Microbusiness

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