Banco Itau Chile · BCS:ITAUCL
Banco Itau Chile — Q3 2025 Earnings Presentation
22 slides from Banco Itau Chile's earnings presentation, Nov 10, 2025
Slide 1: 3Q 2025 Results Conference Call
ItaúChile 3Q 2025 Results Conference Call November 10, 2025 ITAUCL ir.itau.cl /Itaú Chile /itauchile @itauchile
Slide 2: 3Q25 | Key Highlights
ItaúChile 3Q25 Results | Conference Call 3Q25 | Key Highlights Solid results with strong profitability and efficiency Excellent quarter in Chile, with RoTE of 14.5% and efficiency at 41.3%, reflecting disciplined cost control and a scalable business model. Loan growth accelerating above the industry
Slide 3: Chile: Economic backdrop in the quarter
ItaúChile 3Q25 Results | Conference Call 3Q25 | Chile: Economic backdrop in the quarter UF1 – ∆ value Banking Industry Loans 2 Quarterly (%) (12-month growth) 1,3% 1.2% 0,9% 1.0% 0.6% 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 5.3% Average Monetary Policy Interest Rate (MPR) Quarterly (%) sept-22 dic-22 mar-23 j
Slide 4: Chile | Macroeconomic Outlook
ItaúChile 3Q25 Results | Conference Call Chile | Macroeconomic Outlook GDP growth Inflation and Monetary Policy Rate Annual growth % Annual variation. % & eop % Inflation Policy Rate 2.5 2.2 4.50 4.25 3.9 3.0 15 16 17 18 19 20 21 22 23 24 25 26 15 16 17 18 19 20 21 22 23 24 25 26 Unemployment Fiscal
Slide 5: Colombia: Economic backdrop in the quarter
ItaúChile 3Q25 Results | Conference Call 3Q25 | Colombia: Economic backdrop in the quarter Monetary Policy Interest Rate (MPR) – Average Exchange Rate Quarterly change (%) COP$ / US$ 4,404 4,177 4,204 11.9% 4,085 10.9% 3,920 9.8% 9.5% 9.3% 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25
Slide 6: Colombia | Macroeconomic Outlook
ItaúChile 3Q25 Results | Conference Call Colombia | Macroeconomic Outlook GDP growth Inflation and Monetary Policy Rate Annual growth. % Annual variation. % & eop % Inflation Policy Rate 2.7 2.8 9.25 8.25 5.2 4.2 15 16 17 18 19 20 21 22 23 24 25 26 15 16 17 18 19 20 21 22 23 24 25 26 Unemployment Fi
Slide 7: Continuing to build a sustainable future
ItaúChile 3Q25 Results | Conference Call Key Capabilities We are continuing to build a sustainable future S&P Global CSA Score 81/100 Highest score in history and #1 Chilean Leader in Foreign Exchange for 2nd consecutive year Bank According to Global Finance Magazine Companies Top 4 Leader in Invest
Slide 8: 3Q25 | Financial Advisory & Deals
ItaúChile 3Q25 Results | Conference Call 3Q25 | Financial Advisory & Deals Corporate M&A US$ 123 mm US$ 71 mm US$ 68 mm Ranked: 1 Sales of Bretas stores in Acquisition Acquisition of transmission Minas Gerais, 100% of TENSA lines from MLP N° deals YtD : 3 2025 2025 2025 Deals value: MMUSD 262 M&A DC
Slide 9: Customer Centricity: An Alliance to enhance Investment access
ItaúChile 3Q25 Results | Conference Call 3Q25 | Customer Centricity An Alliance to enhance Investment access exclusive to our clients New global investment Real time access to opportunities to our portfolio and market clients information 100% online via App Levering Itaú Unibanco’s global platform P
Slide 10: Loan Portfolio
ItaúChile 3Q25 Results | Conference Call 3Q25 | Loan Portfolio Top 1 in Loans growth • Mortgage loans continue Loans Growth QoQ among peers System to outperform the 12-month growth (%) vs. 2Q25 vs. 2Q25 industry, in line with the Loans bank’s active participation 5.3% Growth +2.3% +1.2% in the FOGAE
Slide 11: Funding and AuM
ItaúChile 3Q25 Results | Conference Call 3Q25 | Funding and AuM Demand deposits and funding Individuals Demand deposits Evolution Top 2 in Demand Deposits Volume Growth 12-month growth (%) growth within Peer group 12-month % System 5.6% Total 4.4% 7.0% Demand 4.2% Deposits Individuals 5.6% 4.2% 1.9%
Slide 12: Summary of main performance indicators
ItaúChile 3Q25 Results | Conference Call 3Q25 | Summary of main performance indicators 3Q’25 vs. 3Q’24 In Ch$ billion Credit Cost of Portfolio 28.5 trillion 23.5 trillion Credit 83.8 61.3 ▲ 4.6 % ▲ 2.9 % ▼ 17.9% ▼ 23.2% Recurring Financial Margin with 328.5 259.6 Net Income 110.4 108.2 clients ▼ -2.
Slide 13: Financial margin with Clients
ItaúChile 3Q25 Results | Conference Call 3Q25 | Financial margin with Clients Financial margin with Clients In Ch$ billion -0.6% -1.2% Decrease of 1.2% due to Decline in spreads due to 261.3 263.4 259.7 262.6 259.6 • 3Q25 vs. 2Q25 • repricing of portfolio Offset by higher dynamism, higher accrual da
Slide 14: Financial margin with the Market
ItaúChile 3Q25 Results | Conference Call 3Q25 | Financial margin with the Market Strong recovery supported by client-driven treasury strategy and tailwind from rating upgrades Trading • Higher results in rates Quarterly evolution and FX management In Ch$ billion ALM 23.4 17.6 7.0 8.3 • Positive resu
Slide 15: Commissions and fees
ItaúChile 3Q25 Results | Conference Call 3Q25 | Commissions and fees Commisions and fees In Ch$ billion In Ch$ billion 3Q25 2Q25 3Q24 14.6% Insurance Brokerage 8.2 7.8 5.0% 6.8 21.2% Credit Operations and Guarantees Provided 10.9 12.8 -14.7% 9.9 10.0% Current Account Services and Overdraft Fees
Slide 16: Cost of Credit
ItaúChile 3Q25 Results | Conference Call 3Q25 | Cost of Credit 170% 5,0% Cost of credit Non Performing Loans 165% Coverage Ratio1 In Ch$ billion % % 4,5% 153% 160% 1.4% 3.19% 155% 2.93% 2.98% 4,0% 1.2% 1.1% 2.82% 2.76% 145% 1.0% 150% 1.0% 2.37% 142% 2.42% 2.27% 137% 145% 3,5% 79.8 2.25% 2.18% 2.16%
Slide 17: Non-interest expenses
ItaúChile 3Q25 Results | Conference Call 3Q25 | Non-interest expenses 3Q25 vs. 2Q25 • Personnel: Lower severance payments In Ch$ billion 3Q25 2Q25 3Q24 • Administrative: Lower marketing and net operational Personnel 64.3 65.0 1.0% 62.0 -3.8% losses Administrative 56.6 57.4 1.4% 53.8 -5.2% 3Q25 v
Slide 18: Colombia
ItaúChile 3Q25 Results | Conference Call 3Q25 | Colombia Financial Margin with Market continued its positive trend… …while the execution of our transformation plan remains underway… Financial Margin with Market1 2.400 72 72 72 In Ch$ billion 6,337 74 66 3,915 65 12.000 2.000 2.300 69 2,179 2,187 7.0
Slide 19: Capital and Liquidity
ItaúChile 3Q25 Results | Conference Call 3Q25 | Capital CET1 Fully loaded Capital Ratio Information on peers and Itaú Chile as of sept′25 11.9% Liquidity Coverage Ratio (LCR) 11.4% 207.0% 11,2% 184.2% 186.6% 185.8% 165.0% Peer A Peer C Itaú Itaú Chile Peer B 10,5% Chile Consolidated sept-24 oct-24 n
Slide 20: Guidance 2025
ItaúChile 3Q25 Results | Conference Call Guidance 2025 Expected Guidance 2025 As of Sept’25 FY’25 revised Loan Growth In line with the market Below guidance unchanged Financial Margin with Clients Stable as interest rates decline Above Guidance unchanged (Average rate) Commissions and Fees Between 5
Slide 21: Disclaimers
ItaúChile 3Q25 Results | Conference Call Disclaimers • This presentation is not an offer for sale of securities. This material has been prepared solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities and should not be treated as givin
Slide 22: ir.itau.cl
ITAUCL ir.itau.cl /Itaú /itauchile @itauchile Chile