Banco De Credito E Inversiones · BCS:BCI
Banco De Credito E Inversiones — Q2 2025 Earnings Presentation
26 slides from Banco De Credito E Inversiones's earnings presentation, August 2025
Slide 1: 2Q 2025 Corporate Presentation
2Q 2025 Corporate Presentation Investor Relations Department | Investor_Relations_Bci@Bci.cl August 2025
Slide 2: Bci at a glance
Bci at a glance
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 2025 • Largest bank in Chile (total loans) • 3rd Largest Florida-based bank US$ 88.1bn US$ 59.9bn (+0.7% YoY) (+6.3% YoY) Total Assets Total Lo
Slide 4: Executive Summary
Executive Summary Consolidated Operations We achieved sound Net income in our first half of the year, increasing 26.6% YoY Financial Balance Sheet Key Results Composition Initiatives ● Record Net Income: US$571 ● Loans: +6.27% YoY. Driven by the ● Wholesale & Investment Banking, top millions for the
Slide 5: Chilean financial system
Chilean financial system
Slide 6: Bci is part of a robust and highly regulated financial system
Bci is part of a robust and highly regulated financial system Chile: Quarterly % GDP growth and forecast (YoY)1 Banking system capitalization ratio (Basel III)2 Total loans in the banking system (US$Bn)3 Chilean banking regulation – upgrading to Basel III CET1 capital declined by 2 basis points year
Slide 7: Bci Consolidated
Bci Consolidated
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 Drive sustainable growth, while People-centered culture focused on our to achieve competitive advantage maintaining 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$mm, as of June 2025 Loan breakdown1 Assets1 Other Other banks banks (12) (12) 15.1% 16.8% 15.3% 16.3% 13.3% 9.4% 13.8% 15.0% 18.5% 15.7% 14.9% 12.2% 9.5% 14.2% Commercial Consumer Mortgage Deposits1 Net income Con
Slide 10: Loan growth evolution
Loan growth evolution Total loans (US$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 USD/CLP of 933.42 (July 1st 2025); Including the subsi
Slide 11: Successful organic growth in Chile…
Successful organic growth in Chile… Return on average Equity (ROAE) 1 Local loans market share (%) 2 as of June 2025 Chile 24.45% 22.15% 13.27% 13.57% 10.99% 9.71% +50 bps of market share Return on average assets (ROAA)1 as of June 2025 2.30% 1.61% 1.12% 0.91% 0.94% 0.92% Source: CMF as of June 2025
Slide 12: …with diversified funding cost
…with diversified funding cost In terms of maturity, currency and geography Funding Sources Breakdown by type 1 Long term funding composed primarily of UF local bonds in the Chilean market, complemented by other international issuances, through our EMTN program in US dollars, Euros, Swiss Francs, Ja
Slide 13: Risk Evolution
Risk Evolution Highlights Loan loss provisions / Average Gross Loans Bci's asset quality is supported by proactive risk management and monitoring. We have a stock of over US$ 245 Million in additional provisions. Our loan portfolio is well diversified by business lines, economic sectors, and custome
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 USD/CLP of 933.42 (July 1st 2025)
Slide 16: Operating Expenses
Operating Expenses Operating Expense (2Q) Expense Breakdown US$ million as of June 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 to USD
Slide 17: Balance sheet
Balance sheet CAGR US$ million (*) 2021 2022 2023 2024 2Q 2024* 2Q 2025* %D 2021-2024 Cash 4,628 4,560 3,878 3,779 -6.53% 4,738 4,221 -10.90% Securities 21,580 21,370 19,369 18,423 -5.13% 18,264 16,768 -8.19% Loans 49,073 50,370 53,724 59,526 6.65% 56,371 59,906 6.27% Other Financial Instruments 158
Slide 18: Financial results
Financial results CAGR US$ million (*) 2021* 2022* 2023* 2024 2Q 2024* 2Q 2025* %D 2021-2024 Net Interest Income 1,711 2,474 2,165 2,408 12.05% 574.2 627.8 9.33% Net Service Fee Income 371 393 365 427 4.80% 110.1 131.2 19.12% Other Operating Income 233 24 170 97 -25.25% 60.4 54.3 -10.2% Operating In
Slide 19: City National Bank
City }y National V Bank
Slide 20: In 2025, we have continued to expand our NIM, maintain a strong liquidity position
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 Capital Investments CRE Client deposits Our CET 1 ratio 99% of our Our commercial We maintained Both our net have in
Slide 21: Client deposits have grown significantly more than 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 almost ~2x Total Deposits ($MM) Banking Industry - Total Deposits ($B) Excl. the $150MM outflow from parent +$670 company deposits,
Slide 22: Total loans have grown $730MM (4%) YTD while maintaining strong asset quality
Total loans have grown $730MM (4%) YTD while maintaining strong asset quality (nonaccrual ratio <1% in June) Total Assets ($MM) Total Loans & Leases ($MM) +$559 +$730 Non-owner (+2%) (+4%) occupied CRE represents 47% $26,480 $27,172 $27,039 $18,198 $18,752 $18,928 of total portfolio Dec-24 Mar-25 Ju
Slide 23: CRE loans are well diversified across various property types with low LTVs
CRE loans are well diversified across various property types with low LTVs (49%), strong DSCR (1.9x) and excellent asset quality and ACL ratios CRE by Property Type % % Full & On BS Commitment % Balance % % of WAvg WAvg % Accr Non- % In Partial Reserve Property Type ($M) Total ($M) Total RBC LTV % D
Slide 24: Net income after taxes grew ~20% QoQ and ~82% YoY
Net income after taxes grew ~20% QoQ and ~82% YoY Q2 Q1 Q2 $ Var % Var YTD YTD $ Var % Var INCOME STATEMENT ($ millions) 2024 2025 2025 QoQ QoQ 2024 2025 YoY YoY (+) Net Interest Income $119.3 $161.1 $167.4 $6.2 3.9% $237.0 $328.5 $91.5 38.6% (+) Non-Interest Income $23.4 $28.2 $31.3 $3.1 11.0% $55.
Slide 25: Both our net interest income and margin increased for the sixth consecutive quarter
Both our net interest income and margin increased for the sixth consecutive quarter: In Q2-2025, our NIM expanded 4bps (9bps on a normalized basis) Net interest income ($MM) Net Interest Margin (%) +$12 +$6 +76bps +$17 (+8%) (+4%) +0.18 +0.04 +$13 (+13%) +0.26 +$2 (+11%) $167 2.55 2.59 $161 +0.16 +$
Slide 26: Forward-looking statements
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 2025 Earnings Presentation on 6ix