Interbank: 60 days of strong purchases and payments are coming. What unusual liquidity will people receive?

Lima, November 11, 2025.- Listed companies reveal their third-quarter results, allowing investors to assess whether expectations were met. IFS, Intercorp’s financial holding, reported a recovery in consumer credit, while emphasizing the need to monitor the international environment and local political evolution. In a conference with investors, Interbank CEO Carlos Tori noted expectations of “a lot of consumption and transactions” for the remainder of the year, supported by CTS availability, Christmas bonuses and the new AFP fund withdrawal, whose first and largest installment will be disbursed between late November and mid-December.

IFS recorded an 80% profit increase in the first nine months of the year, driven mainly by lower provisions as customers improved their payment capacity and by greater economic activity reflected in increased credit payments and purchases. Interbank’s loan portfolio grew 7% year-on-year as of September, with mortgages expanding 7%, small-business loans 33%, and consumer lending showing recent acceleration.

Regarding the Peruvian economy, the company sees the beginning of a recovery stage but stresses the need to grow 5% or 6% annually to significantly reduce poverty. Sectors such as fishing, agriculture, mining and some services show greater dynamism, while tourism, commerce and construction still lag despite their potential. For the Christmas campaign, consumer confidence has been improving. Liquidity from AFP withdrawals may temporarily reduce credit demand, but dynamism is expected to return once these funds are used.

Castellanos highlighted the evolution toward digital banking: 83% of Interbank customers operate exclusively through digital channels, and over 85% of them use the app. Digital sales represent 70% of product placements, and Plin-Whatsapp payments and a new investment section in the app reinforce the ecosystem. Interseguro’s premiums increased 58% year-on-year, while Inteligo’s assets under management grew 13%, with significant progress in digitalized insurance services.