Banco De Credito E Inversiones · BCS:BCI
Banco De Credito E Inversiones — Q2 2026 Earnings Presentation
35 slides from Banco De Credito E Inversiones's earnings presentation, August 2026
Slide 1: 2Q 2026 Results
2Q 2026 This presentation includes references to certain non-GAAP measures. We believe these non- GAAP measures provide useful information to both management and investors. These non- GAAP measures should not be considered in isolation or as a substitute for measures of performance prepared in accor
Slide 2: Contents
Macro Overview Contents. Key Financial Results Closing Remarks & Guidance
Slide 3: US GDP grew 1.5% in Q2; Florida slightly underpacing the national average
US GDP grew 1,5% in Q2. Florida’s economic performance is slightly underpacing the national average. US & Florida. GDP Growth by Quarter US & Florida. Unemployment Rate (annualized QoQ, %) (%) Source: BEA, BLS, Bci Research
Slide 4: Inflation has increased in line with higher energy prices
Inflation has increased in line with higher energy prices. The Fed, with a cautious stance, will wait and see the impacts on the economy. US. Total & Core CPI US. Fed Funds Rate (%) (YoY, %) US. Yield Curve 4Q25 vs 3Q25 (%) Source: BEA, BLS, Federal Reserve, Bci Research
Slide 5: Peru's economic activity fluctuating around potential level
Peru’s economic activity is fluctuating around its potential level and monetary policy rate stands at 4,25%. Peru. Inflation and MPR (%) Peru. GDP Growth by Quarter and Forecast (YoY, %) Peru. Yield Curve 2Q26 vs 1Q26 (%) Source: BCRP, Bloomberg, Bci Research
Slide 6: In Chile, economic activity and labor market show weakness
In Chile, economic activity has shown signs of weakness, as well as the labor market. Chile. Labor Market Chile. Quarterly GDP Growth and Forecast (%) (YoY, %) Source: Central Bank of Chile, INE, Bci Research
Slide 7: Headline CPI will rise in line with energy prices
Headline CPI will rise in line with energy prices. Chile. Monetary Policy Rate & Projections (%) Chile. CPI, Components and Perspectives (YoY, %) Jan22 Jan23 Jan24 Jan25 Jan26 Jan27 Chile. Yield Curve 3Q25 vs 2Q25 (%) Source: Central Bank of Chile, INE, Bci Research
Slide 8: Contents
Macro Overview Contents. Key Financial Results Closing Remarks & Guidance
Slide 9: Consolidated Operation
Consolidated Operation. Financial highlights
Slide 10: Executive Summary
Executive Summary Consolidated Operations As of June 2026, we delivered a Net Income increasing 21% YoY, reflecting the strength of our diversified business model Financial Balance Sheet Key Results Composition Initiatives ● Net Income: Of US$699 million for 1H26 (+21% YoY). ● Corporate Evolution Pr
Slide 11: Financial Results 2Q 2026
Financial Results 2Q 2026 Consolidated Operations Note: Figures are converted to US$ using an FX of 922.21 (July 1st 2026)
Slide 12: Local Operation
Local Operation. Key financial results
Slide 13: Loan growth driven by commercial and consumer
Loan growth driven by commercial and consumer Local Operations Total loans (US$mm) Commercial & Interbank loans (US$mm) CAGR CAGR Financial System Consumer lending loans (US$mm) Mortgage loans (US$mm) CAGR CAGR Source: Financial Market Commission (CMF) as of June 2026 Note: Figures are converted to
Slide 14: Evolution of NIM and Fees
Local Evolution of NIM and Fees Operations NIM (%) Net Fees (US$mm) NIM: calculated as the average of the last 7 months for interest-earning assets. Interest-earning assets include total loans, trading portfolio financial assets, investments under agreements to resell, financial investments availabl
Slide 15: Operating Expenses
Operating Expenses Local Operations Local Efficiency Ratio Operating Expenses YoY as of June 2026 as of June 2026 Expenses Breakdown Operating Expenses YoY as of June 2026 Second quarter 2026 Efficiency ratio as calculated by the CMF (operating expenses excluding other operating expenses/gross opera
Slide 16: Sound Liquidity and Capital Ratios
Sound Liquidity and Capital Ratios Liabilities Breakdown (Local) Capital Ratio (Consolidated) Capital Ratios (Consolidated) CET1 increased by 16 bps year-on-year, reaching 11.26% as of June 2026. The improvement reflects internal capital generation outpacing the growth in risk-weighted asset associa
Slide 17: Trend of Risk Indicators: Total loans
Trend of Risk Indicators Local Operations Total loans Nota: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú **LLP = Loan loss provisions Figures are converted to US$ using an FX of 922.21 (July 1st 2026)
Slide 18: Trend of Risk Indicators: Commercial loans
Trend of Risk Indicators Local Operations Commercial loans Nota: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú * LLP = Loan loss provisions Figures are converted to US$ using an FX of 922.21 (July 1st 2026)
Slide 19: Trend of Risk Indicators: Mortgage loans
Trend of Risk Indicators Local Operations Mortgage loans Nota: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Figures are converted to US$ using an FX of 922.21 (July 1st 2026) * LLP = Loan loss provisions
Slide 20: Trend of Risk Indicators: Consumer loans
Trend of Risk Indicators Local Operations Consumer loans * LLP = Loan loss provisions Note: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Figures are converted to US$ using an FX of 922.21 (July 1st 2026)
Slide 21: Sustained growth across our international platform
Sustained growth across our international platform continues to strengthen our value proposition in the region 4 Years Total Assets: $6.7 B (+11.1% YoY). Total assets reached US$ 1.6 Bn, a +43.7% YoY growth, powered Net Income: $37.3M (+69.4% YoY) by a highly committed team of 95 full-time employees
Slide 22: Strategic execution drives sound results despite high volatility
Strategic execution drives sound results despite a Local Operations high volatility period Loan Growth Efficiency Net Income +5.47% 46.54% Market share of 15.32% ex. ~US$510 MM abroad operations (-400 bps YoY) (+14.84% YoY) Equivalent to a NIM Cost of Risk local ROAE* of: 4.13% 0.66% 17.49% (-13 bps
Slide 23: Key financial results
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Slide 24: Actual results as of June are better QoQ and YoY
Actual results as of June are overall better QoQ and YoY, reflecting disciplined execution and strategic focus Q2-2026 Q1-2026 YTD Jun 2026 YTD Jun 2025 Metric ($MM) QoQ Var YoY Var Actual Actual Actual Actual Loan balances $20,381 $20,158 $223 1.1% $20,381 $18,928 $1,454 7.7% The decline in DDAs Qo
Slide 25: CNB's client deposit growth outpacing the banking industry
CNB’s strong client deposit growth in 2026 is outpacing the banking industry (includes brokered) by nearly 1.9x Total Deposits ($MM) Banking Industry - Total Deposits ($B) $21,943 $22,072 $22,105 YTD client deposit growth $1,970 $1,187 +$1,526 Brokered deposits $2,551 (+8%) USA 4.23% $14,711 $15,726
Slide 26: Loans grew ~$223MM 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 27: 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 28: 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 ($23) $178 $84 $7 NIM expanded
Slide 29: Net interest income and margin increased for the tenth consecutive quarter
Both our net interest income and margin increased for the tenth consecutive quarter: In Q2-2026, our NIM expanded 3bps Net interest income ($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 +0.13 3.00 (+4%) $205 2.97 (+8
Slide 30: Our fee income is meaningfully higher and more diversified
Our fee income is meaningfully higher and more diversified Non-interest income mix – YTD Jun 2022 vs 2026 New fee initiatives to increase profitability and diversify fee mix 2022 2026 ▪ Treasury distribution desk Treasury Mgmt. Operating (swaps, options, FX, etc.) (TM) fees leases Operating 10% Trea
Slide 31: Second year of the 5-year Project Win strategy
We are continue generating strong, profitable, and diversified growth, in our second year of the 5-year Project Win strategy Key Objectives YTD June 2026 Accomplishments Increased client deposits by 16% (annualized) vs. 8% for the industry, positioning us as the leading deposit-gathering bank in Flo
Slide 32: Contents
Macro Overview Contents. Key Financial Results Closing Remarks & Guidance
Slide 33: 2Q26 Closing Remarks
2Q26 Closing Remarks Consolidated Operations ● We delivered a consolidated Net Income of US$ 699 million for the first half of the year, representing a 21% YoY increase, with CNB contributing USD 177M (up 47% YoY). ● Fee income increased by 10% YoY, fueled by higher Retail transactionality and stron
Slide 34: 2026 Guidance update
2026 Guidance update Loan growth: +6-7%. Chile (includes international NIM: Flat. and local Subsidiaries) Fee Income: Lower double digit. GDP 1.2% Inflation 4.1% Core Operating Expenses: -1%. Reinforcing our commitment with MPR 4.5% cost control. USD/CLP $905 Cost of Risk: Flat. CNB Loan Growth: +8-
Slide 35: Thank you
Thank you. 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”, “pla
Banco de Crédito e Inversiones (Bci) — Q2 2026 Earnings Presentation on 6ix