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About IFS | Strategy | Strengths | History

About Intercorp Financial Services

IFS is a leading provider of financial services in the fast-growing, underpenetrated and profitable Peruvian financial system. Through one of the largest distribution networks in Peru (as measured by the number of financial stores, ATMs, correspondent agents and sales force), IFS provides a wide range of products spanning banking, insurance and wealth management services to individual and commercial clients.

Our main subsidiaries are Interbank, a universal bank, Interseguro, an insurance company, and Inteligo, a wealth management services provider. We operate our subsidiaries through a coordinated strategy, focusing on specific businesses which we believe offer high growth opportunities. We are the second largest provider of consumer loans (retail loans other than mortgages) in Peru in terms of total loans outstanding, the leading provider of annuities in terms of premiums, and have a leading and fast-growing wealth management business.

Inteligo was acquired by IFS effective on August 1, 2014. We believe that Inteligo strengthens our position as a leading provider of diversified financial services in Peru, since it complements our banking and insurance segments with a rapidly growing and highly profitable wealth management business. Inteligo benefits from a recurring source of fee income from financial advisory services.

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We aim to maintain our leadership position as one of the fastest growing and most profitable providers of financial services in Peru. We aim to provide the best customer experience to our customers based on convenient, agile and friendly service, which we believe leads to new customers and to increased satisfaction, cross-selling and retention of our existing customers.

>Leverage our leading market positions in our key businesses to benefit from the significant growth potential of the financial sector.

>Provide the most convenient, agile and friendly customer service experience through continuous innovation

>Further develop our customer-centric vision with advanced CRM and analytics

>Leverage existing operating capacity to generate additional revenue with low additional marginal cost

>Actively pursue cross-selling opportunities to leverage our customer base across IFS and Intercorp Peru

>Continue focusing on maintaining a highly motivated team with a strong culture aligned to our strategy

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>Leading financial services provider focused on highly attractive businesses

>Outstanding track record of growth supported by our increased market share and high profitability
>Convenient, extensive and innovative distribution network with a customer-oriented approach
>Sound risk management resulting in strong asset quality and high investment returns
>Affiliation with the Intercorp Peru group
>Experienced management team with proven ability to foster a merit-based culture and a highly-motivated work force


IFS is a corporation (sociedad anónima) organized under the laws of Panama in 2006. We are the majority owner and controlling shareholder of our subsidiaries, Interbank, Interseguro and Inteligo, which comprise our banking, insurance and wealth management segments, respectively. We are responsible for coordinating, supervising and establishing their strategy and management policies. In 2007, we conducted an initial public offering of our common shares publicly in Peru and privately outside of Peru.

Interbank is an open-stock corporation (sociedad anónima abierta). Interbank was incorporated in Lima, Peru in 1897 and formerly conducted business under the names “Banco Internacional del Perú S.A.” and “Interbanc”. In August 1994, as part of the government’s privatization efforts, 91% of Interbank’s share capital was acquired by Corporación Interbank, which subsequently transferred its holdings in Interbank to the Rodríguez-Pastor family through Intercorp Peru, a limited liability company organized under the laws of the Commonwealth of The Bahamas that is listed on the Lima Stock Exchange. After Interbank’s acquisition by Intercorp Peru in 1994, Interbank began conducting business under the name “Interbank” as part of a rebranding and modernization effort, and has become a leading universal bank in Peru.

Interseguro is a corporation (sociedad anónima) that was incorporated in 1998 by Intercorp Peru, pursuant to an agreement between Intercorp Peru and The Bankers Trust Company (“Bankers Trust”) (at the time the controlling shareholder of Consorcio Nacional de Seguros S.A.A., the largest insurer in Chile) to benefit from the expansion of the insurance business in Peru. In connection with the sale of Bankers Trust to Deutsche Bank AG in 1999, Bankers Trust’s interest in Interseguro was sold to a group of Chilean investors, and in 2000 Intercorp Peru acquired the portion of Interseguro that it did not own.

Inteligo was incorporated under the laws of the Republic of Panama in 2006. Inteligo Bank is a corporation that was incorporated in 1995 in The Bahamas and formerly conducted business under the names of Interbank Overseas Ltd. and Blubank Ltd. It is licensed by the Central Bank of The Bahamas to conduct various types of banking, trust, financing, investment and financial advisory services activities. Inteligo SAB is a corporation (sociedad anónima) that started operations in 1993. It is organized under the laws of Peru, and is licensed by the SMV to operate in Peru and conduct brokerage, custody, portfolio management and advisory services.

On July 18, 2014, the board of directors of IFS approved the acquisition of Inteligo, effective on August 1, 2014. This reorganization entailed the acquisition of 100% of Intercorp Peru’s shares in Inteligo by IFS in exchange for 19.5 million IFS common shares.

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