Intercorp Financial Services Inc 2025年年度报告和过渡报告

Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act:None(Title of Class) Indicate the number of outstanding shares of each of the issuer’s classes of capital or common stock as of theclose of the period covered by the annual report: Common shares outstanding as of December 31, 2024: 113,288,457 Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the SecuritiesAct. ☒Yes☐No If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reportspursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934. ☐Yes☒No Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d)of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that theregistrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90days. ☒Yes☐No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required tobe submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months(or for such shorter period that the registrant was required to submit such files) ☒Yes☐No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-acceleratedfiler, or an emerging growth company. See definition of “large accelerated filer,” “accelerated filer,” and“emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☒Accelerated filer☐Non-accelerated filer☐Emerging growth company☐ If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate bycheck mark if the registrant has elected not to use the extended transition period for complying with any new orrevised financial accounting standards† provided pursuant to Section 13(a) of the Exchange Act.☐ † The term “new or revised financial accounting standard” refers to any update issued by the FinancialAccounting Standards Board to its Accounting Standards Codification after April 5, 2012. Indicate by check mark whether the registrant has filed a report on and attestation to its management’sassessment of the effectiveness of its internal control over financial reporting under Section 404(b) of theSarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its auditreport.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financialstatements of the registrant included in the filing reflect the correction of an error to previously issued financialstatements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysisof incentive-based compensation received by any of the registrant’s executive officers during the relevantrecovery period pursuant to §240.10D-1(b).☐ Indicate by check mark which basis of accounting the registrant has used to prepare the financial statementsincluded in this filing: U.S. GAAP☐ International Financial Reporting Standards as issuedOtherby the International Accounting Standards Board☒ If “Other” has been checked in response to the previous question, indicate by check mark which financialstatement item the registrant has elected to follow. ☐Item 17☐Item 18 If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act). ☐Yes☒No Indicate by check mark whether the registrant has filed all documents and reports required to be filed by Sections12, 13 or 15(d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a planconfirmed by a court.☐Yes☐No TABLE OF CONTENTS PagePART I12ITEM 1.IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS12ITEM 2.OFFER STATISTICS AND EXPECTED TIMETABLE12ITEM 3.KEY INFORMATION12A.[RESERVED]12B.Capitalization and Indebtedness12C.Reasons for the Offer and Use of Proceeds12D.Risk Factors12ITEM 4.INFORMATION ON THE COMPANY39 A.History and Development of the Company39B.Business Overview41C.Organizational Structure120D.Property, Plants and Equipment120ITEM 4A.UNRESOLVED STAFF COMMENTS137ITEM 5.OPERATING AND FINANCIAL REVIEW AND PROSPECTS137A.Operating Results137B.Liquidity and Capital Resources166C.Research and Development, Patents and Licenses, etc.174D.Trend Information174E.Critical Accounting Estimates176ITEM 6.DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES176A.Directors and Senior Management176B.Compensation186C.Board Practices186D.Employees189E.Share Ownership189F. Disclosure of a Registrant’s Action to Recover Erroneously Awarded Compensation189 ITEM 7.MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS A.Major Shareholders189B.Related Party Transactions190C.Interests of Experts and Counsel195ITEM