Rating Scale Peru Chile Colombia Brazil Mexico

AA-/Aa3 *+7

A+/A1 *+6Moody's (estable)

S&P (estable)

A/A2 *+5 Fitch (estable)

A-/A3 *+4 Moody's (estable) Moody's (negative)

BBB+/Baa1 *+3S&P(estable)

Fitch (estable)S&P (negative)

BBB/Baa2 *+2Moody'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

0.0

1.0

2.0

3.0

4.0

5.0

6.0

7.0

8.0

3Q

13

4Q

13

1Q

14

2Q

14

3Q

14

4Q

14

1Q

15

2Q

15

3Q

15

4Q

15

1Q

16

2Q

16

3Q

16

4Q

16

1Q

17

2Q

17

3Q

17

4Q

17

1Q

18

2Q

18

3Q

18

4Q

18

1Q

19

2Q

19

3Q

19e

Non-primary GDP GDP

Project MetalInvestment

(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

ProjectInvestment

(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

-2.0

-1.0

20

11

20

12

20

13

20

14

20

15

20

16

20

17

20

18

20

19

20

20

20

21

15.0

16.0

17.0

18.0

19.0

20.0

21.0

22.0

23.0

20

13

20

14

20

15

20

16

20

17

20

18

20

19

20

20

20

21

20

22

20

23

Others

Detractions and Excise Tax increase

Evasion and ellusion measures

46

Advance on

wages

Consumer

loans43% 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-ServedDigital

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

0.170.21 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

1 2 3 4 5 6

Payments

P2P

QR code in

the starting

screen

Yape Pre-

payment

Yape for

business

Nano

Loans

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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