Banco De Credito E Inversiones · BCS:BCI
Banco De Credito E Inversiones — Q2 2026 Earnings Presentation
29 slides from Banco De Credito E Inversiones's earnings presentation, August 2026
Slide 1: 2Q 2026 Corporate Presentation
2Q 2026 Corporate Presentation Investor Relations Department | Investor_Relations_Bci@Bci.cl August 2026
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 June 2026 • Largest bank in Chile by total loans and assets as of June 2026 • 3rd Largest Florida-based bank US$ 93.4 bn US$ 64.3 bn (+4.7% YoY) (+6
Slide 4: Executive Summary
Executive Summary Consolidated Operations As of June 2026, Net Income increased 21% YoY, reflecting the strength of our diversified business model Financial Balance Sheet Key Results Composition Initiatives ● Net Income: Of US$699 million for 1H26 (+21% YoY). ● Corporate Evolution Proposal: ● Loans:
Slide 5: Chilean financial system
Chilean financial system eA
Slide 6: Bci is part of a robust and highly regulated financial system
Bci is part of a robust and highly regulated financial system Chile: Quarterly % GDP growth and forecast (YoY)1 Banking system capitalization ratio (Basel III)2 Total loans in the banking system (US$Bn)3 Chilean banking regulation – upgrading to Basel III CET1 increased by 16 bps year-on-year, reach
Slide 7: Bci Consolidated
Bci Consolidated eA
Slide 8: An 89-year trajectory, supported by strong corporate governance
An 89-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 achieve competitive advantage prude
Slide 9: Bci maintains a relevant position in the market
Bci maintains a relevant position in the market Chilean banking system benchmark in US$ million, as of June 2026 Loan breakdown1 Assets1 Other Other banks (12) banks (12) 15.3% 16.3% 15.4% 15.9% 12.6% 9.8% 14.7% 14.8% 18.1% 15.8% 14.2% 11.2% 10.2% 15.5% % Market share in Chilean banking system Comme
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 922.21 (July 1st 2026); Including the subsidiary's ope
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 June 2026 Chile 24.47% 21.45% 14.80% 12.49% 12.30% 9.43% +107 bps of market share Return on average assets (ROAA)1 as of June 2026 2.22% 1.71% 1.32% 1.12% 0.87% 0.89% Source: CMF as of June 202
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 o
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$ 239 Million in additional provisions. • Our loan portfolio is well diversified by business lines, economic secto
Slide 14: Credit Risk Trends
Credit Risk Trends Cost of Risk (quarterly) NPL Ratio Coverage Ratio NPL Breakdown Source: CMF. Figures as of June 2026 Figures are converted to US$ using an FX of 922.21 (July 1st 2026)
Slide 15: 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 16: Financial Services: NPL's
Financial Services: NPL's Figures are converted to US$ using an FX of 922.21 (July 1st 2026)
Slide 17: Operating Expenses
Operating Expenses Efficiency Ratio* Operating Expense (YTD) Expense Breakdown US$ million as of June 2026 * Efficiency ratio as calculated by the CMF (operating expenses excluding other operating expenses/gross operating result). Note: Figures are converted to USD using an FX of 922.21 (July 1st 20
Slide 18: Balance sheet
Balance sheet Figures are converted to US$ using an FX of 922.21 (July 1st 2026), Includes operations of CNB and Bci Peru.
Slide 19: Financial results
Financial results Figures are converted to US$ using an FX of 922.21 (July 1st 2026), Includes operations of CNB and Bci Peru.
Slide 20: City National Bank
City y National V Bank
Slide 21: Actual results as of June are overall better QoQ and YoY
Actual results as of June are overall better QoQ and YoY, reflecting disciplined execution and strategic focus Q2-2026 Q1-2026 YTD Jun 2026 YTD Jun 2025 Metric ($MM) QoQ Var YoY Var Actual Actual Actual Actual Loan balances $20,381 $20,158 $223 1.1% $20,381 $18,928 $1,454 7.7% The decline in DDAs Qo
Slide 22: CNB's strong client deposit growth in 2026 is outpacing the banking industry
CNB’s strong client deposit growth in 2026 is outpacing the banking industry (includes brokered) by nearly 1.9x Total Deposits ($MM) Banking Industry - Total Deposits ($B) $21,943 $22,072 $22,105 YTD client deposit growth $1,187 Brokered deposits $2,551 $1,970 +$1,526 (+8%) USA 4.23% $14,711 $15,726
Slide 23: Loans grew ~$223MM (1%) in Q2, maintaining sound asset quality
Loans grew ~$223MM (1%) in Q2, increasing $745MM (4%) YTD, maintaining sound asset quality and strong capital ratios Total Assets ($MM) Total Loans & Leases ($MM) +$1,122 +$745 (+4%) QoQ growth (+4%) QoQ growth $27,990 $28,630 $29,112 +$482 $19,636 $20,158 $20,381 +$223 (+2%) (+1%) Non-owner occupie
Slide 24: Net income after taxes grew 11% QoQ and 46% YoY
Net income after taxes grew 11% QoQ and 46% YoY Q2 Q4 Q1 Q2 $ Var % Var YTD YTD $ Var % Var INCOME STATEMENT ($ millions) 2025 2025 2026 2026 QoQ QoQ 2025 2026 YoY YoY (+) Net Interest Income $167.4 $194.8 $197.2 $204.5 $7.3 3.7% $328.5 $401.8 $73.3 22.3% (+) Non-Interest Income $31.3 $29.2 $32.1 $3
Slide 25: Net income after taxes grew 11% QoQ and 46% YoY. NIM expanded
Net income after taxes grew 11% ($9MM) QoQ and 46% ($56MM) YoY. NIM expanded 3bps QoQ and 41bps YoY QoQ net income comparison: Q1-26 vs. Q2-26 YoY net income comparison: YTD Jun 2025 vs. YTD ($MM) 2026 ($MM) +$9 +$56 (11%) (46%) $2 ($0) ($3) $93 $8 $4 ($1) $0 ($13) $11 $7 ($23) $178 $84 NIM expanded
Slide 26: Net interest income and margin increased for the tenth consecutive quarter
Both our net interest income and margin increased for the tenth consecutive quarter: In Q2-2026, our NIM expanded 3bps Net interest income ($MM) Net Interest Margin (%) +$7 +117bps +$19 +$2 (+4%) +0.03 (+1%) +0.22 +0.08 +$17 +$9 (+11%) (+13%) +$6 (+5%) +0.08 +0.07 +$12 $205 +0.13 3.00 (+4%) 2.88 2.9
Slide 27: Our fee income is meaningfully higher and more diversified
Our fee income is meaningfully higher and more diversified Non-interest income mix – YTD Jun 2022 vs 2026 New fee initiatives to increase profitability and diversify fee mix 2022 2026 ▪ Treasury distribution desk Treasury Mgmt. Operating (swaps, options, FX, etc.) (TM) fees leases Operating 10% Trea
Slide 28: Projecting our Future with Purpose
Projecting our Future with Purpose Consolidated Operations Sound Performance: Net Income of US$ 699 million for the first half of the year, representing a 21% YoY increase, with CNB contributing USD 177M (+47% YoY). Diversified Revenues: Fee income increased by 10% YoY, fueled by higher Retail trans
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) — Q2 2026 Earnings Presentation on 6ix