Key messages up 3% QoQ & 53% YoY 0% QoQ | +15% YoY IFS net profit +19% YoY +7% YoY quarterly efficiency levels improve to 34.8% C/I 45.3%(1) 37.5%(3) 34.8% 42.2% 40.1% 37.9% +8% QoQ | +3% YoY Banking System TCR Insurance 24.4% 19.1% 20.4% 4Q21 3Q22 4Q22 8.0% Reg. min. Financial highlights Guidance 4 Results by segment Financial highlights 1) IFS' ROE in FY21 would have resulted in 17.9%, when excluding gains in other income of S/ 136 million in wealth management 2) IFS' ROE in FY22 would have resulted in 17 ...