<p>Intercorp Financial Services (IFS) 最近召开了第三季度财报电话会议。以下是会议的主要亮点。</p>
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<p>Intercorp Financial Services (IFS) 最近召开了财报电话会议，透露出总体积极的情绪。公司展示了强劲的财务表现和在高收益贷款及财富管理等关键领域的增长。尽管取得了这些成就，但也强调了如 Rutas de Lima 计提影响和养老金基金撤回可能带来的挑战。</p>
<h2>积极的秘鲁经济表现</h2>
<p>截至八月，秘鲁经济展现出韧性，累计增长达到 3.3%。对私人投资的预期乐观，预计到年底将增长 6.5%。这一经济背景为 IFS 的发展提供了有利环境。</p>
<h2>持续的盈利能力和核心业绩</h2>
<p>IFS 维持了强劲的核心业绩，实现了约 16% 的股本回报率 (ROE)。尽管受到 Rutas de Lima 计提的财务影响，但公司展现了维持盈利能力的能力。</p>
<h2>高收益贷款的增长</h2>
<p>公司报告高收益贷款同比增长 7%，仅在上个季度就增长了 3%。这一增长主要由消费者和小企业部门推动，这两个部门现在占贷款组合的 22%。</p>
<h2>财富管理的创纪录增长</h2>
<p>IFS 的子公司 Inteligo 在财富管理部门取得了显著增长，管理资产达到了创纪录的高点。这反映出客户对其服务的强大信任和参与度。</p>
<h2>收费收入增长</h2>
<p>IFS 的收费收入同比增长 8%，主要由于借记卡和信用卡活动的增加。这一收费收入的增长突显了公司金融服务的扩展。</p>
<h2>Rutas de Lima 计提影响</h2>
<p>与 Rutas de Lima 相关的 7800 万 PEN 的计提对 Interseguro 的业绩产生了显著影响。这突显了公司面临的一些财务挑战。</p>
<h2>企业贷款增长的挑战</h2>
<p>企业贷款增长遇到障碍，部分公司转向资本市场，贷款到期也造成了影响，这表明这是 IFS 可能面临的一个关注领域。</p>
<h2>养老金撤回的潜在影响</h2>
<p>公司预计养老金基金的撤回可能会对未来几个季度的消费者贷款发放产生负面影响，给未来的贷款增长带来挑战。</p>
<h2>前瞻性指导</h2>
<p>展望未来，IFS 对其前景保持乐观，得益于在有利经济环境下的强劲财务表现。公司报告净收入为 4.56 亿 PEN，并继续专注于数字卓越和维持在秘鲁市场的领导地位。凭借风险调整后的净利差改善以及在私人年金和人寿保险方面的强劲表现，IFS 为持续成功奠定了良好基础。</p>
<p>总之，Intercorp Financial Services 的财报电话会议描绘了强健的财务健康和战略增长的图景，尽管面临某些挑战。公司在高收益贷款和财富管理方面的强劲表现，加上秘鲁的积极经济环境，使其在未来增长中处于良好位置。然而，养老金基金撤回的潜在影响和企业贷款增长的挑战仍然是需要关注的领域。</p>

<p>Intercorp Financial Services (IFS) 举行了第三季度财报电话会议，展示了强劲的财务表现，收益率较高的贷款增长了 7%，财富管理业务创下了记录增长。尽管面临来自利马路线拨备和潜在养老金基金撤回的挑战，IFS 仍报告净收入为 4.56 亿秘鲁新索尔，股本回报率约为 16%。秘鲁积极的经济背景，预计私人投资增长 6.5%，支持 IFS 对未来增长的乐观展望，尽管企业贷款增长面临障碍</p>

<p>Intercorp Financial Services ((IFS)) has held its Q3 earnings call. Read on for the main highlights of the call.</p>
<div class="lb-trans"><p>Intercorp Financial Services (IFS) 最近召开了第三季度财报电话会议。以下是会议的主要亮点。</p>
</div><h3>Meet Your ETF AI Analyst</h3>
<div class="lb-trans"><h3>认识您的 ETF AI 分析师</h3>
</div><ul>
<li>Discover how TipRanks' <em>ETF</em> AI Analyst can help you make smarter investment decisions</li>
<li>Explore ETFs TipRanks' users love and see what insights the <strong><em>ETF</em> AI Analyst</strong> reveals about the ones you follow.</li>
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<div class="lb-trans"><ul>
<li>了解 TipRanks 的 <em>ETF</em> AI 分析师如何帮助您做出更明智的投资决策</li>
<li>探索 TipRanks 用户喜爱的 ETF，并查看 <strong><em>ETF</em> AI 分析师</strong> 对您关注的 ETF 的见解。</li>
</ul>
</div><p>Intercorp Financial Services (IFS) recently held its earnings call, revealing a generally positive sentiment. The company showcased strong financial performance and growth in key areas such as higher-yielding loans and wealth management. Despite these achievements, challenges like the Rutas de Lima provision impact and potential hurdles from pension fund withdrawals were also highlighted.</p>
<div class="lb-trans"><p>Intercorp Financial Services (IFS) 最近召开了财报电话会议，透露出总体积极的情绪。公司展示了强劲的财务表现和在高收益贷款及财富管理等关键领域的增长。尽管取得了这些成就，但也强调了如 Rutas de Lima 计提影响和养老金基金撤回可能带来的挑战。</p>
</div><h2>Strong Economic Performance in Peru</h2>
<div class="lb-trans"><h2>积极的秘鲁经济表现</h2>
</div><p>Peru’s economy demonstrated resilience with a cumulative growth of 3.3% as of August. The projections for private investment are optimistic, with an expected growth of 6.5% by the end of the year. This economic backdrop has provided a favorable environment for IFS to thrive.</p>
<div class="lb-trans"><p>截至八月，秘鲁经济展现出韧性，累计增长达到 3.3%。对私人投资的预期乐观，预计到年底将增长 6.5%。这一经济背景为 IFS 的发展提供了有利环境。</p>
</div><h2>Sustained Profitability and Core Results</h2>
<div class="lb-trans"><h2>持续的盈利能力和核心业绩</h2>
</div><p>IFS maintained robust core results, achieving a return on equity (ROE) of around 16%. This was despite the financial impact from the Rutas de Lima provision, showcasing the company’s ability to sustain profitability.</p>
<div class="lb-trans"><p>IFS 维持了强劲的核心业绩，实现了约 16% 的股本回报率 (ROE)。尽管受到 Rutas de Lima 计提的财务影响，但公司展现了维持盈利能力的能力。</p>
</div><h2>Growth in Higher-Yielding Loans</h2>
<div class="lb-trans"><h2>高收益贷款的增长</h2>
</div><p>The company reported a 7% year-over-year growth in higher-yielding loans, with a 3% increase in the last quarter alone. This growth was primarily driven by consumer and small business segments, which now make up 22% of the loan portfolio.</p>
<div class="lb-trans"><p>公司报告高收益贷款同比增长 7%，仅在上个季度就增长了 3%。这一增长主要由消费者和小企业部门推动，这两个部门现在占贷款组合的 22%。</p>
</div><h2>Record Growth in Wealth Management</h2>
<div class="lb-trans"><h2>财富管理的创纪录增长</h2>
</div><p>Inteligo, a part of IFS, achieved remarkable growth in its wealth management division, reaching record highs in assets under management. This reflects strong client trust and engagement in their services.</p>
<div class="lb-trans"><p>IFS 的子公司 Inteligo 在财富管理部门取得了显著增长，管理资产达到了创纪录的高点。这反映出客户对其服务的强大信任和参与度。</p>
</div><h2>Fee Income Growth</h2>
<div class="lb-trans"><h2>收费收入增长</h2>
</div><p>IFS experienced an 8% increase in fee income year-over-year, largely due to heightened debit and credit card activity. This growth in fee income underscores the company’s expanding financial services.</p>
<div class="lb-trans"><p>IFS 的收费收入同比增长 8%，主要由于借记卡和信用卡活动的增加。这一收费收入的增长突显了公司金融服务的扩展。</p>
</div><h2>Rutas de Lima Provision Impact</h2>
<div class="lb-trans"><h2>Rutas de Lima 计提影响</h2>
</div><p>A notable provision impact of PEN 78 million related to Rutas de Lima affected Interseguro’s results. This highlights some of the financial challenges faced by the company.</p>
<div class="lb-trans"><p>与 Rutas de Lima 相关的 7800 万 PEN 的计提对 Interseguro 的业绩产生了显著影响。这突显了公司面临的一些财务挑战。</p>
</div><h2>Challenges with Corporate Loan Growth</h2>
<div class="lb-trans"><h2>企业贷款增长的挑战</h2>
</div><p>Corporate loan growth encountered obstacles due to loan maturities and a shift by some companies towards capital markets, indicating a potential area of concern for IFS.</p>
<div class="lb-trans"><p>企业贷款增长遇到障碍，部分公司转向资本市场，贷款到期也造成了影响，这表明这是 IFS 可能面临的一个关注领域。</p>
</div><h2>Potential Impact of Pension Withdrawals</h2>
<div class="lb-trans"><h2>养老金撤回的潜在影响</h2>
</div><p>The company anticipates that pension fund withdrawals could negatively affect consumer loan disbursements in the upcoming quarters, posing a challenge to future loan growth.</p>
<div class="lb-trans"><p>公司预计养老金基金的撤回可能会对未来几个季度的消费者贷款发放产生负面影响，给未来的贷款增长带来挑战。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指导</h2>
</div><p>Looking ahead, IFS remains optimistic about its future, buoyed by strong financial performance in a favorable economic environment. The company reported a net income of PEN 456 million and continues to focus on digital excellence and maintaining its leadership in the Peruvian market. With a risk-adjusted NIM improvement and strong performance in private annuities and life insurance, IFS is well-positioned for continued success.</p>
<div class="lb-trans"><p>展望未来，IFS 对其前景保持乐观，得益于在有利经济环境下的强劲财务表现。公司报告净收入为 4.56 亿 PEN，并继续专注于数字卓越和维持在秘鲁市场的领导地位。凭借风险调整后的净利差改善以及在私人年金和人寿保险方面的强劲表现，IFS 为持续成功奠定了良好基础。</p>
</div><p>In conclusion, Intercorp Financial Services’ earnings call painted a picture of robust financial health and strategic growth, despite facing certain challenges. The company’s strong performance in higher-yielding loans and wealth management, coupled with a positive economic environment in Peru, positions it well for future growth. However, potential impacts from pension fund withdrawals and corporate loan growth challenges remain areas to watch.</p>
<div class="lb-trans"><p>总之，Intercorp Financial Services 的财报电话会议描绘了强健的财务健康和战略增长的图景，尽管面临某些挑战。公司在高收益贷款和财富管理方面的强劲表现，加上秘鲁的积极经济环境，使其在未来增长中处于良好位置。然而，养老金基金撤回的潜在影响和企业贷款增长的挑战仍然是需要关注的领域。</p>
</div>

Intercorp Financial Services 在财报电话会议中表现亮眼