Rating Scale Peru Chile Colombia Brazil Mexico AA-/Aa3 *+7 Moody's (estable) A+/A1 *+6 S&P (estable) A/A2 *+5 Fitch (estable) A-/A3 *+4 Moody's (estable) Moody's (negative) S&P(estable) BBB+/Baa1 *+3 S&P (negative) Fitch (estable) Moody's (estable) BBB/Baa2 *+2 Fitch (estable) Fitch (negative) BBB-/Baa3 *+1 S&P (estable) BB+/Ba1 *-1 BB/Ba2 *-2 Moody's (estable) S&P (estable) BB-/Ba3 -3 Fitch (estable) B+/B1 -4
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 Non-primary GDP 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 GDP 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19e
Investment Investment Project State Project Metal State (USD millions) (USD millions) Major 12,500 5,300 Quellaveco Copper El Niño Reconstruction 7,900 1,600 Mina Justa Copper Southern Peruvian Pipeline 4,600 1,360 Toromocho Expansion Copper Airports 2,160 1,200 Zafranal Copper Jorge Chávez Expansion 1,500 2,800 Los Chancas Copper, Molybdenum Chinchero Airport 660 2,500 Rio Blanco Copper Irrigation 1,265 700 Pukaqaqa Copper Majes Siguas II 550 2,100 Yanacocha Sulfuros Copper Chavimochic III 715 2,800 Haquira Copper Ports 840 500 Magistral Copper Chancay Port - Phase I 420 2,500 Pampas de Pongo Iron San Martín General Port 260 2,500 Michiquillay Copper Salaverry Port - Phase I 160 600 Corani Silver Railways 5,600 1,400 Tía María Copper Line 2 Lima's Metro 5,600 3,500 Galeno Copper Roads 2,400 4,800 Conga Copper, Gold Sol Highway 400 Total 36,160 Lima Periferical Ring 2,000 Total 24,765
23.0 Others 22.0 Detractions and Excise Tax increase Evasion and ellusion measures 21.0 20.0 19.0 18.0 -1.0 17.0 -2.0 16.0 15.0 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Chart 3: Off-Branch transactions (2) Chart 1: Customer satisfaction evolution (% of total transactions) #1 in all customer segments 96% 95% 93% 92% 41% 46% 51% 57% 50% 47% 43% 39% YTD – Sep 19 2016 2017 2018 Digital Self-Served Chart 2: Digital Clients (1) Chart 4: Digital and Self-Served Sales Evolution (3) (% of total clients) (thousand of units, % of total units) +42% 3.0 Millions 2,404 % of digital sales by product 1,905 2.1 Millions YTD YTD 38% ▲ 135% Sep18 Sep19 12% 6% 31% YoY Advance on +17pp 23% 43% 24% wages 21% 25% 27% ▲ 4% Consumer 43% 45% YoY loans YTD – Sep 18 YTD – Sep 19 2016 2017 2018 Sep 19 Digital Self-Served (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 46
Yape total users 2021 Goal (millions of users) 10 million Payments Ecosystem users 1.48 +35.5% 1.09 0.70 0.38 0.27 0.21 0.17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 Next features… Today 2020 2021 1 2 3 4 5 6 And Payments Payments Landing Yape Pre- Yape for Nano P2MB (1) P2P QR code payment business Loans more… 47 (1) P2MB: Peer-to-Microbusiness
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