Banco de Crédito e Inversiones (BCI) Corporate presentation summary

Financial performance highlights

• Net income reached US $571 million for 1H 2025, up 26.6% YoY, with consolidated NIM at 3.64% and fee growth of 22.8% YoY driven by funds management and higher card transactionality.

• Total assets stood at US $88.1 billion (+0.7% YoY), and total loans at US $59.9 billion (+6.3% YoY), with a CET1 ratio of 11.10% and capital adequacy ratio of 15.42%.

• Operating expenses increased 14.4% YoY to US $831 million YTD, with an efficiency ratio improving to 45.0% as of June 2025.

• Loan portfolio growth was led by commercial loans (+6.45% YoY), while consumer lending saw a slight decline and mortgage loans grew at a 6.2% CAGR.

• Net service fee income rose 19.12% YoY, and provision expenses decreased by 14.7% YoY due to active risk management.

Market position and business model

• Holds the largest market share in Chile by total loans and is the third largest Florida-based bank, with diversified operations in the US, Peru, and other international markets.

• Maintains a diversified funding base, with long-term funding primarily from local bonds and international issuances, and a strong presence in time and demand deposits.

• Market share in Chilean loans and deposits remains robust, with significant positions in commercial, consumer, and mortgage segments.

• City National Bank of Florida contributes over 40% of consolidated deposits and outpaces US industry deposit growth.

• Strategic focus on digital transformation, sustainable growth, and international expansion, supported by strong corporate governance.

Asset quality and risk management

• Asset quality remains strong, with NPL ratio at 1.18% as of 2Q25 and additional provisions exceeding US $245 million.

• Loan portfolio is well diversified, with the 20 largest loans accounting for less than 10% of total loans.

• CRE portfolio in the US is diversified by property type and geography, with low LTVs (49%) and strong DSCR (1.9x).

• Provision expenses declined 14.7% YoY, reflecting proactive risk management.

• NPL ratios for consumer, commercial, and mortgage loans all improved YoY.