Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES ...

| --- | --- | --- | |-------|-------|-------| | | | | | | | | Intercorp Financial Services 1 Financial highlights 2 Key messages 3 Guidance 4 Results by segment 4Q22 recurring earnings of S/ 403 mm, up 3% QoQ & 53% YoY IFS net profit (S/ mn) ROE 10.9% 26.5% | 17.1%(1) 16.5% 613 223 Extraord. income 403 264 391 4Q21 3Q22 4Q22 27.8%(2) 21.4% 20.2% ROE 467(2) 366 365 Banking(3) 4Q21 3Q22 4Q22 0% QoQ | -22% YoY Insurance 5.7% 46.8% 13.8% 100 32 13 4Q21 3Q22 4Q22 -68% QoQ | +2x YoY ROE 25.5% 23.6% 22.3% n.m. n.m ...

Intercorp Financial Services Inc. (NYSE:IFS) Q4 2022 Earnings Conference Call February 15, 2023 10:00 AM ET Company Participants Rafael Borja - InspIR Group Luis Felipe Castellanos - Chief Executive Officer Michela Casassa - Chief Financial Officer Bruno Ferreccio - Chief Executive Officer, Inteligo Gonzalo Basadre - Chief Executive Officer, Interseguro Carlos Tori - Executive Vice President, Payments Conference Call Participants Ernesto Gabilondo - Bank of America Yuri Fernandes - JPMorgan Andres Soto - Sa ...