MisionProvide financial services to

low–income socioeconomic groups, satisfying

our customers needs efficiently and profitably.

As well as complying with our stockholders and

workers’ expectations.

VisionTo become the leader of financial services

that satisfies our customers by rendering

high quality, creative, innovative services

and products thus achieving the best

efficiency and profitability.

Principles• Customer service importance

• Team- work

• Foster creativity

• Search for efficiency

• Commitment with the company

Customers Information

Number of Costumers per Segment

Number of Costumers per Segment

Consumpt ion Micro-enterprise

90,000

80,000

70,000

60,000

50,000

40,000

30,000

20,000

10,000

0

1999 2000 2001 2002

69,000 54,000 47,000 40,700

41,00036,50026,00019,000

Customers Percentage per Segment

Customers Information

Customers Percentage per Segment

M icro-enterprises50 %

Consumption50%

Allocations Percentage per Product

Customers Information

Allocations Percentage per Product

C.L. ent15.5%

Depend

C.L. I ndependent77.3%

Credit Card5.9%

O ther1.3%

Customers Percentage per Product

Customers Information

Customers Percentage per Product

C.L. Dependent36.4%

C.L. I ndependent46.7%

O ther2.2%

Credit Card14.8%

Age Range Customers Allocations

Customers Information

Age Range Customers Allocations

0

15%

30%

Under 18

5%

10%

20%

18-25 26-35 36-45 46-55 56-70 71 and more

25%

35%

1.1

%

0.2

%

20

.5%

25

.3%

19

.7%

2.3

%

30

.9%

Customers Information

Micro Business - People Allocations per Sex

Micro Business - People Allocations per Sex

Female51.6%

M ale48.4%

Customers Information

Consumption Costumers Allocations per Sex

Consumption Costumers Allocations per Sex

Female38.4%

M ale61.6%

Customers and Debt Allocations Lima-Provinces

Customers Information

Customers and Debt Allocations Lima - Provinces

Lima

0

50%

70%

80%

100%

40%

60%

90%

30%

20%

10%

39.3%

60.7%

49.5%

50.5%

Balance of Debt Number ofCustomers

Customers Information

Customers Allocations per Instruction Level

Customers Allocations per Instruction Level

H I GH SCH O O L

ELEM ENTARY SCHO O L

UN I VERSI TY DEGREE

T ECH NI CAL T RAI N I NG

I LI T I RAT E

PO ST GRADUAT E

0% 20% 40% 60% 80% 100% 120%

96.6%

32.2%

1.7%

14.1%

1.1%35.8%

0.3%

16.4%

1.0%

0.2%

0.0%

0.5%

Consumption

M icro-enterprise