Grade Scale Peru Chile Colombia Brazil Mexico
A+/A1 *+6
Moody's
(estable)
S&P (estable)
A/A2 *+5 Fitch (estable)
A-/A3 *+4Moody's
(estable)
Moody's
(negativo)
BBB+/Baa1 *+3S&P(estable)
Fitch (estable)S&P (negativo)
BBB/Baa2 *+2
Moody's
(estable)
Fitch
(negativo)
Fitch (estable)
BBB-/Baa3 *+1 S&P (estable)
BB+/Ba1 *-1
BB/Ba2 *-2Moody's
(estable)
BB-/Ba3 -3 S&P (positivo)
Fitch (estable)
0.0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
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
19
4Q
19
Non-primary GDP GDP
Project MetalInvestment 1/
(USD millions)State
Quellaveco Copper 3,888
Mina Justa Copper 703
Toromocho Expansion Copper 703
Corani Silver 585
Pampas de Pongo Iron 2,500
Pukaqaqa Copper 700
Coroccohyaco Integration Copper 590
Yanacocha Sulfuros Copper 2,100
Haquira Copper 2,824
Magistral Copper 480
Zafranal Copper 1,160
Los Chancas Copper, Molybdenum 2,800
Rio Blanco Copper 2,500
Michiquillay Copper 2,500
Tía María Copper 1,400
Galeno Copper 3,500
Conga Copper, Gold 4,800
Total 33,733
ProjectInvestment 1/
(USD millions)State
Major 12,500
El Niño Reconstruction 7,900
Southern Peruvian Pipeline 4,600
Airports 2,220
Jorge Chávez Expansion 1,500
Chinchero Airport 720
Irrigation 1,144
Majes Siguas II 429
Chavimochic III 715
Ports 1,672
Chancay Port 1,300
San Martín General Port 114
Salaverry Port - Phase I 258
Railways 3,733
Line 2 Lima's Metro 3,733
Roads 2,221
Sol Highway 221
Lima Periferical Ring 2,000
Total 23,490
-1.8-1.6 -1.3 -1.0
20
11
20
12
20
13
20
14
20
15
20
16
20
17
20
18
20
19
20
20
20
21
20
22
20
23
20
24
-15.0
-10.0
-5.0
0.0
5.0
10.0
15.0
20.0
25.0
20
11
20
12
20
13
20
14
20
15
20
16
20
17
20
18
20
19
20
20
46
30%
60%
15%
15%
7%
3.2%
FY 2018 FY 2019
Advance on wages Consumer loans Others
7.8%
Chart 1: Digital Clients (1)
(% of total clients)
2016 2017 2018 2019
21%24%
31%
41%
+20pp
(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) Total sales were 8.0 and 9.0 millions in 2018 and 2019, respectively. Digital sales include mobile and internet banking.
2.1 Millions
3.3 Millions
+57%
Chart 3: Digital Sales Evolution (2)
(thousand of units, % of total units)
1,180
4.4%
490
% of digital sales by product
FY
2019
Advance on
wages
Savings
account
opening
Consumer
Loans
0% 6%
25% 46%
FY
2018
44% 49%
Chart 4: Yape total users(millions of users)
0.17 0.21 0.270.38
0.70
1.09
1.481.95
1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
2021 Goal
10 million
users
+513%
1.3%
0.3%
6%
13%
2.0%
14% 17%
36%
FY 2017 FY 2018 FY 2019
Chart 2: EAP pre approved credits(% of clients that qualify for a credit)
▲ 2.4x
FY 19 / FY 18
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