Banco De Credito E Inversiones · BCS:BCI
Banco De Credito E Inversiones — Q1 2026 Earnings Presentation
32 slides from Banco De Credito E Inversiones's earnings presentation, May 2026
Slide 1: 1Q 2026 Conference Call Presentation
1Q 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
Macro Overview Contents. Financial Results City National Bank of Florida
Slide 3: US and Florida GDP growth and unemployment
US GDP grew 0,5% in Q4 due to the government shutdown. Florida’s economic performance is slightly outpacing the national average. US & Florida. GDP Growth by Quarter US & Florida. Unemployment Rate (annualized QoQ, %) (%) Source: BEA, BLS, Bci Research
Slide 4: Hormuz disruptions raise energy prices; Fed cautious
Disruptions in the Hormuz strait has increased 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 and monetary policy rate
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 1Q26 vs 4Q25 (%) Source: BCRP, Bloomberg, Bci Research
Slide 6: Chile economic activity and labor market 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, %) Chile. Yield Curve 3Q25 vs 2Q25 (%) Source: Central Bank of Chile, INE, Bci Research
Slide 8: Contents: Financial Results
Macro Overview Contents. Financial Results City National Bank of Florida
Slide 9: Executive Summary
Executive Summary Consolidated Operations Financial Balance Sheet Key Results Composition Initiatives ● Net Income: +5.3% Growth. ● Bci’s Group: Corporate Structure ● NIM (Consolidated): 3.31%, -41 ● Loans: +5.9%, driven by Evolution to further support growth. bps. CNB: +35 bps, highest in Commercia
Slide 10: Financial Results 1Q 2026 Consolidated
Financial Results 1Q 2026 Consolidated Operations Note: Figures are converted to US$ using an FX of FX of 927.46 (April 1st 2026)
Slide 11: Local Operation. Key financial results
Local Operation. Key financial results
Slide 12: 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 December 2025 Note: Figures are converted
Slide 13: Evolution of NIM and Fees
Local Evolution of NIM and Fees Operations NIM (%) Net Fees (US$mm) NIM: calculated as the average of the last 7 months for interest-earning assets. Interest-earning assets include total loans, trading portfolio financial assets, investments under agreements to resell, financial investments availabl
Slide 14: Operating Expenses
Operating Expenses Local Operations Local Efficiency Ratio as of March 2026 Expenses Breakdown Operating Expenses YoY as of March 2026 first quarter 2026 Efficiency ratio as calculated by the CMF (operating expenses excluding other operating expenses/gross operating result). Since 1Q18, additional a
Slide 15: Sound Liquidity and Capital Ratios
Sound Liquidity and Capital Ratios Liabilities Breakdown (Local) Capital Ratio (Consolidated) Capital Ratios (Consolidated) CET1 decreased by 22 bps year-on-year, reaching 10.81% as of March 2026, reflecting the impact of risk-weighted asset growth associated with business expansion, which more than
Slide 16: Trend of Risk Indicators: Total loans
Trend of Risk Indicators Local Operations Total loans Nota: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú **LLP = Loan loss provisions Figures are converted to US$ using an FX of 927.46 (April 1st 2026)
Slide 17: 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 927.46 (April 1st 2026)
Slide 18: 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 927.46 (April 1st 2026) * LLP = Loan loss provisions
Slide 19: Trend of Risk Indicators: Consumer loans
Trend of Risk Indicators Local Operations Consumer loans * LLP = Loan loss provisions Nota: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Figures are converted to US$ using an FX of 927.46 (April 1st 2026)
Slide 20: International platform continues to show traction
Our international platform continues to show traction, capitalizing on the region’s opportunities Main Figures as of March 2026: Bci Miami ● Total Assets: $7B (+21% YoY). ● Net Income: $24M. Bci Perú Client Banker Advisor ● Total Assets: US$ 1.5 bn (+42% YoY) ● Net Income: $7M (+119%). Bci Securitie
Slide 21: Key financial results
eA Ci Nations Bank Key financial results ph
Slide 22: Actual results as of March better QoQ and YoY
Actual results as of March are overall better QoQ and YoY, reflecting disciplined execution and strategic focus Metric ($MM) Q1-26 Actual Q4-25 Actual QoQ Var Q1-25 Actual YoY Var Loan balances $20,158 $19,636 $522 2.7% $18,752 $1,406 7.5% DDAs $5,391 $4,890 $501 10.2% $4,875 $515 10.6% Client Depos
Slide 23: CNB client deposit growth outpacing the banking industry
CNB’s strong client deposit growth in 2026 is outpacing the banking industry (includes brokered) by ~2x Total Deposits ($MM) Banking Industry - Total Deposits ($B) $21,943 $22,072 Client deposit growth Brokered deposits $2.551 $1.970 +$710 (+4%) USA 2.35% $14.502 $14.711 Interest bearing deposits DD
Slide 24: Total loans grew in Q1 with sound asset quality
Total loans grew ~$522MM (3%) in Q1, while maintaining sound asset quality and strong capital ratios Total Assets ($MM) Total Loans & Leases ($MM) Non-owner occupied CRE +$640 +$522 represents (+2%) (+3%) 46% of total $27.990 $28.630 $19.636 $20.158 portfolio Much lower Dec-25 Mar-26 Dec-25 Mar-26 t
Slide 25: Net income after taxes grew ~18% QoQ and ~52% YoY
Net income after taxes grew ~18% QoQ and ~52% YoY Q1 Q4 Q1 $ Var % Var YTD YTD % Var INCOME STATEMENT ($ millions) $ Var YoY 2025 2025 2026 QoQ QoQ 2025 2026 YoY (+) Net Interest Income $161.1 $194.8 $197.2 $2.4 1.2% $161.1 $197.2 $36.1 22.4% (+) Non-Interest Income $28.2 $29.2 $32.1 $2.9 9.8% $28.2
Slide 26: Net income growth QoQ and YoY bridge
Net income after taxes grew 18% ($13MM) QoQ and 52% ($29MM) YoY. NIM expanded 6bps QoQ and 42bps YoY QoQ net income comparison: Q4-25 vs. Q1-26 YoY net income comparison: YTD 2025 vs. YTD 2026 ($MM) ($MM) +$13 +$29 (18%) (52%) $84 ($3) $3 $4 ($4) $6 $7 ($5) $5 ($13) $84 $72 $3 $2 NIM $36 expanded 8b
Slide 27: Net interest income and margin increased ninth consecutive quarter
Both our net interest income and margin increased for the ninth consecutive quarter: In Q1-2026, our NIM expanded 8bps Net interest income ($MM) Net Interest Margin (%) +113bps +$19 +$2 +$17 +$9 (+11%) (+1%) +0.22 +0.08 (+13%) +$12 +$6 (+5%) +0.08 +0.07 (+8%) (+4%) +0.13 $195 $197 +0.26 2,88 2,97 +$
Slide 28: Fee income is higher and more diversified
Our fee income is meaningfully higher and more diversified New fee initiatives to Non-interest income mix – YTD Mar 2022 vs 2026 increase profitability and diversify fee mix 2022 2026 Treasury Mgmt. Operating • Insurance commissions (TM) fees leases • Treasury distribution desk Operating 12% (swaps,
Slide 29: 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 Mar 2026 Accomplishments Increased client deposits by 15% (annualized) vs. 9% for the industry, positioning us as the leading deposit-gathering bank in Flor
Slide 30: Contents: Closing Remarks & Guidance
Strategic Update Macroeconomic Overview Contents. Key Financial Results Closing Remarks & Guidance
Slide 31: 1Q26 Closing Remarks
1Q26 Closing Remarks ● We delivered a Net Income of US$310.6 million, closing as the #1 bank in the Chilean banking system.1 ● With total assets of US$92.3 billion, Bci stands as the #10 bank in Latin America, reflecting the opportunities of our diversified operation.2 ● We have continued increasing
Slide 32: 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 — Q1 2026 Earnings Presentation on 6ix