Banco de Crédito e Inversiones (BCI) investor relations material

Strategic positioning and business model

• Largest bank in Chile by total loans and assets, with a diversified business model and international presence, including City National Bank of Florida and Bci Peru.

• Maintains strong credit ratings (Moody's A2, S&P Global A-, Fitch A-) and a market cap of US $14.2 billion as of December 2025.

• Three strategic pillars: digital customer experience, sustainable growth with prudent risk, and international expansion.

• Shareholding structure includes a significant free float and private pension funds, with a board experienced across multiple sectors.

Financial performance and growth

• Achieved net income of US $1,098 million in 2025, up 24.3% YoY, with ROAE at 13.8%.

• Consolidated NIM reached 3.54%, with strong fee income growth (+18.2% YoY) and lower provision expenses (-2.8% YoY).

• Loan portfolio grew to US $56.8 billion (+2.4% YoY), with notable growth in local commercial loans and CNB's portfolio.

• CET1 ratio increased to 11.20%, maintaining a solid buffer above regulatory requirements.

• Operating income CAGR of 12% and net income CAGR of 17.6% from 2021 to 2025.

Asset quality and risk management

• Asset quality supported by proactive risk management, with additional provisions exceeding US $245 million.

• NPL ratio improved to 1.18% in 2025, with consumer and commercial loan NPLs also declining.

• The 20 largest loans account for less than 10% of total loans, indicating low concentration risk.

• Loan loss provisions as a percentage of average gross loans have decreased over recent years.