Banco De Credito E Inversiones · BCS:BCI
Banco De Credito E Inversiones — Q3 2025 Earnings Presentation
29 slides from Banco De Credito E Inversiones's earnings presentation, November 2025
Slide 1: 3Q 2025 Corporate Presentation
3Q 2025 Corporate Presentation Investor Relations Department | Investor_Relations_Bci@Bci.cl November 2025
Slide 2: Bci at a glance
Bci at a glance eA
Slide 3: Leading financial institution in Chile by Assets and Loans
Leading financial institution in Chile by Assets and Loans Profitable and financially sound Diversified business model Subsidiary diversification as of September 2025 as of September 2025 • Largest bank in Chile (total loans) • 3rd Largest Florida-based bank US$ 87.0 bn US$ 60.3 bn (+0.7% YoY) (+6.3
Slide 4: Executive Summary
Executive Summary Consolidated Operations We achieved a record Net Income for the first nine months of the year, amounting to USD 797.3 million, driven by the successful advancement towards our strategic initiatives. Key Metric Key Balance Sheet Composition (9M YoY Comparison) Initiatives ● Net Inco
Slide 5: Chilean financial system
Chilean financial system eA
Slide 6: Bci is part of a robust and highly regulated financial system
Bci is part of a robust and highly regulated financial system Chile: Quarterly % GDP growth and forecast (YoY)1 Banking system capitalization ratio (Basel III)2 Total loans in the banking system (US$Bn)3 Chilean banking regulation – upgrading to Basel III CET1 decreased by 46 bps YoY, reaching 11.20
Slide 7: Bci Consolidated
Bci Consolidated eA
Slide 8: An 87-year trajectory, supported by strong corporate governance
An 87-year trajectory, supported by strong corporate governance and the same purpose to: “dare to make a difference” Three strategic pillars: Leverage digital customer experience to Drive sustainable growth, while maintaining People-centered culture focused on our clients achieve competitive advanta
Slide 9: Bci maintains a relevant position in the market
Bci maintains a relevant position in the market Chilean banking system benchmark In US$mm, as of September 2025 Loan breakdown1 Assets1 Other Other banks banks (12) (12) 15.3% 16.5% 15.5% 16.1% 13.1% 9.4% 14.1% 14.9% 18.3% 15.9% 14.9% 11,7% 9.5% 14.7% Commercial Consumer Mortgage Deposits1 Net incom
Slide 10: Loan growth evolution
Loan growth evolution Total loans (US$mm) Commercial & Interbank loans (US$mm) CAGR CAGR Consumer lending loans (US$mm) Mortgage loans (US$mm) CAGR CAGR Source: Financial Market Commission (CMF). Note: Figures are converted to US$ using an FX of 962.39 (October 1st 2025); Including the subsidiary's
Slide 11: Consistent organic growth in Chile…
Consistent organic growth in Chile… Return on average Equity (ROAE) 1 Local loans market share (%) 2 as of September 2025 Chile 24.08% 22.02% 13.25% 12.40% 11.24% 10.11% +97 bps of market share Return on average assets (ROAA)1 as of September 2025 2.29% 1.61% 1.13% 0.98% 0.97% 0.85% Source: CMF as o
Slide 12: …with diversified funding cost
…with diversified funding cost In terms of maturity, currency and geography Funding Sources Breakdown by type 1 Our long-term funding is built on a strong foundation of local inflation-indexed (UF) bonds in the Chilean market. This is strategically complemented by international issuances through our
Slide 13: Asset quality evolution
Asset quality evolution Highlights Loan loss provisions / Average Gross Loans Bci's asset quality is supported by proactive risk management and monitoring. We hold a stock of over US$ 245 Million in additional provisions. Our loan portfolio is well diversified by business lines, economic sectors, cu
Slide 14: Evolution of NPL's
Evolution of NPL's NPL Ratio (NPLs/Total Loans)* NPL Ratio (Commercial Loans) NPL Ratio (Consumer Loans) NPL Ratio (Mortgage Loans) NPLs Consumer Loans excluding Lider Bci Note: Includes Bci subsidiary in USA (CNB) and Bci Peru. *Does not include Interbank loans
Slide 15: Financial Services: NPL's
Financial Services: NPL's Figures are converted to US$ using an FX of 962.39 (October 1st 2025)
Slide 16: Operating Expenses
Operating Expenses Operating Expense (3Q) Expense Breakdown US$ million as of September 2025 Operating Expense (YTD) Efficiency Ratio* US$ million * Efficiency ratio as calculated by the CMF (operating expenses excluding other operating expenses/gross operating result). Note: Figures are converted t
Slide 17: Balance sheet
Balance sheet CAGR US$ million (*) 2021 2022 2023 2024 3Q 2024* 3Q 2025* %D 2021-2024 Cash 4,628 4,423 3,761 3,665 -7.48% 3,401 3,273 -3.77% Securities 21,580 20,726 18,786 17,869 -6.10% 16,968 16,190 -4.58% Loans 49,073 48,854 52,107 57,735 5.57% 53,974 60,332 11.78% Other Financial Instruments 158
Slide 18: Financial results
Financial results CAGR US$ million (*) 2021* 2022* 2023* 2024 3Q 2024* 3Q 2025* %D 2021-2024 Net Interest Income 1,660 2,400 2,100 2,335 12.05% 529.3 590.3 11.53% Net Fee Income 360 381 354 414 4.80% 107.4 116.9 8.78% Other Operating Income 226 23 164 94 -25.25% 14.9 54.2 264.7% Operating Income 2,0
Slide 19: City National Bank
City }y National V Bank
Slide 20: In 2025, we have continued to expand our NIM, maintain strong liquidity
In 2025, we have continued to expand our NIM, maintain a strong liquidity position, improve our capital ratios and our CRE portfolio remains well managed Client Deposits Liquidity NIM Profitability Capital CRE Client deposits have Earnings maintained Our CET 1 ratio Our commercial real We maintained
Slide 21: Client deposits have grown more than twice the industry
While total deposits in the banking industry have increased this year (includes brokered), our client deposits have grown significantly more, outpacing the industry by more than 2x Total Deposits ($MM) Banking Industry - Total Deposits ($B) +$634 +$1,095 (+4%) (+5%) $18,273 $18,418 $21,955 $17,784 $
Slide 22: Total loans have grown ~$1.4B (7.6%) YTD with strong asset quality
Total loans have grown ~$1.4B (7.6%) YTD while maintaining strong asset quality & expanding capital ratios Total Assets ($MM) Total Loans & Leases ($MM) +$1,291 Non-owner +$1,385 occupied CRE (+5%) (+8%) represents 48% $27,039 $27,771 $18,928 $19,583 of total portfolio $26,480 $18,198 Dec-24 Jun-25
Slide 23: CRE loans are well diversified across various property types
CRE loans are well diversified across various property types with low LTVs (47%), excellent asset quality and ACL ratios CRE by Property Type % % Full & On BS Commitment % Balance % % of WAvg % Accr Non- % In Partial Reserve Property Type ($M) Total ($M) Total RBC LTV % 30+ DPD Accrual Florida Recou
Slide 24: Net income after taxes grew ~3% QoQ and 344% YoY
Net income after taxes grew ~3% QoQ and 344% YoY Q3 Q4 Q2 Q3 $ Var % Var YTD YTD % Var INCOME STATEMENT ($ millions) $ Var YoY 2024 2024 2025 2025 QoQ QoQ 2024 2025 YoY (+) Net Interest Income $132.4 $149.3 $167.4 $176.1 $8.7 5.2% $369.4 $504.5 $135.1 36.6% (+) Non-Interest Income $28.4 $25.6 $31.3
Slide 25: Net income growth primarily driven by higher net interest income
Net income after taxes grew 3% ($2MM) QoQ and 344% ($147MM) YoY primarily driven by higher net interest income QoQ net income comparison: Q2-25 vs. Q3-25 ($MM) YoY net income comparison: YTD September 2024 vs. 2025 ($MM) +$2 +$147 (3%) (344%) $2 ($7) $68 ($49) $66 $9 $69 ($2) $0 $189 NIM $9 expanded
Slide 26: Net interest income and margin increased for the seventh consecutive quarter
Both our net interest income and margin increased for the seventh consecutive quarter: In Q3- 2025, our NIM expanded 7bps Net interest income ($MM) Net Interest Margin (%) +$6 +$9 +83bps +$12 +$17 (+4%) (+5%) +0.18 +0.04 +0.07 (+8%) +$13 (+13%) $176 +0.26 $167 +0.16 2.59 2.66 +$2 (+11%) $161 2.55 +$
Slide 27: Earnings continue in an upward trajectory
Earnings continue in an upward trajectory Quarterly normalized net income after taxes and ROE ($MM, %) Normalized ROE (%) Normalized net income after taxes ($) Net income is being normalized primarily for a one-time gain on the sale of the drive-thru location as well as one-time +7% expenses related
Slide 28: Value Creation
Although we have just started our 5-year Project WIN journey, we are already delivering profitable and diversified growth Key Objectives YTD Sep 2025 Accomplishments Increased client deposits growing by 10% (annualized) doubling the 5% from 1 Moderate Growth / Diversification the industry. Loans gro
Slide 29: Forward-looking statements disclaimer
This presentation contains forward-looking statements in various places throughout therein, related to, without limitation, our future business development. Forward-looking information is often, but not always, identified by the use of words such as “anticipate”, “believe”, “expect”, “plan”, “intend
Banco de Crédito e Inversiones (Bci) — Q3 2025 Earnings Presentation on 6ix