Banco De Credito E Inversiones · BCS:BCI
Banco De Credito E Inversiones — Q4 2025 Earnings Presentation
28 slides from Banco De Credito E Inversiones's earnings presentation, February 2026
Slide 1: 4Q 2025 Corporate Presentation
4Q 2025 Corporate Presentation Investor Relations Department | Investor_Relations_Bci@Bci.cl February 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 December 2025 as of December 2025 • Largest bank in Chile by total loans and assets • 3rd Largest Florida-based bank US$ 89.9 bn US$ 62.7 bn (-2.2%
Slide 4: Executive Summary
Executive Summary Consolidated Operations We achieved an excellent Net Income for the year, amounting to USD 1,098.2 million, driven by the successful advancement towards our strategic initiatives. Key Metric Key Balance Sheet Composition (YoY Comparison) Initiatives ● Loan Portfolio: reached US$ 56
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$Bn)3 Chilean banking regulation – upgrading to Basel III CET1 increased by 19 bps YoY, reaching 11.20
Slide 7: Bci Consolidated
Bci Consolidated eA
Slide 8: An 87-year trajectory, supported by strong corporate governance
An 87-year trajectory, supported by strong corporate governance and the same purpose to: “dare to make a difference” Three strategic pillars: Leverage digital customer experience to Drive sustainable growth, while maintaining People-centered culture focused on our clients achieve competitive advanta
Slide 9: Bci maintains a relevant position in the market
Bci maintains a relevant position in the market Chilean banking system benchmark In US$mm, as of December 2025 Loan breakdown1 Assets1 Other Other banks banks (12) (12) 15.2% 16.4% 15.6% 15.8% 13.1% 9.4% 14.1% 14.6% 18.2% 16.1% 14.4% 11,6% 9.8% 15.3% Commercial Consumer Mortgage Deposits1 Net income
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 907.13 (January 2nd 2026); Including the subsidiary's
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 December 2025 23,25% Chile 21,22% 13,77% 12,17% 10,77% 10,36% +87 bps of market share Return on average assets (ROAA)1 as of December 2025 2,21% 1,58% 1,20% 0,95% 1,01% 0,85% Source: CMF as of
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 our
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$ 245 Million in additional provisions. Our loan portfolio is well diversified by business lines, economic sectors, cu
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 907.13 (January 2nd 2026)
Slide 16: Operating Expenses
Operating Expenses Operating Expense (4Q) Expense Breakdown US$ million as of December 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
Slide 17: Balance sheet
Balance sheet CAGR US$ million (*) 2021 2022 2023 2024 2025 2021-2025 Cash 4,628 4,692 3,990 3,888 3,723 -5.29% Securities 21,580 21,989 19,930 18,957 16,595 -6.36% Loans 49,073 51,830 55,281 61,252 62,691 6.31% Other Financial Instruments 158 346 355 280 389 25.30% Intangible Assets 515 453 492 553
Slide 18: Financial results
Financial results CAGR US$ million (*) 2021* 2022* 2023 2024 2025 2021-2025 Net Interest Income 1,761 2,546 2,228 2,477 2,617 10.41% Net Fee Income 382 404 376 440 520 7.99% Other Operating Income 239 25 174 100 236 -0.38% Operating Income 2,143 2,975 2,778 3,017 3,372 12.00% Credit Loss Expenses -4
Slide 19: City National Bank
City }y National V Bank
Slide 20: In 2025, we achieved strong results, reflecting disciplined execution and strategic focus
In 2025, we achieved strong results, reflecting disciplined execution and strategic focus FY 2025 FY 2024 Metric ($MM) Var Actual Actual Loan balances $19,636 $18,198 $1,438 7.9% DDAs $4,890 $4,483 $407 9.1% Client Deposits $19,392 $17,977 $1,415 7.9% Net interest income $699 $519 $181 34.8% NIM 2.6
Slide 21: Our client deposit grew more than the industry in 2025
Our client deposit grew more than the industry in 2025, outpacing it by nearly ~2x Total Deposits ($MM) Banking Industry - Total Deposits ($B) +$1,084 +$835 (+5%) (+5%) FY2025 Client deposit $18.619 $21,955 $21,943 growth $17.784 $20,859 $2.650 $2.551 Brokered deposits $2.882 +$1,415 (+8%) $14.366 $
Slide 22: Total loans grew ~$1.4B (8%) in 2025, while maintaining strong asset quality
Total loans grew ~$1.4B (8%) in 2025, while maintaining strong asset quality and expanding capital ratios Total Assets ($MM) Total Loans & Leases ($MM) +$1,511 +$1,438 Non-owner (+6%) (+8%) occupied CRE represents 47% $27.771 $27.990 $19.583 $19.636 of total portfolio $26.480 $18.198 Dec-24 Sep-25 D
Slide 23: Net income after taxes grew 5% QoQ and ~195% YoY
Net income after taxes grew 5% QoQ and ~195% YoY Q4 Q3 Q4 $ Var % Var YTD YTD $ Var % Var INCOME STATEMENT ($ millions) 2024 2025 2025 QoQ QoQ 2024 2025 YoY YoY (+) Net Interest Income $149.3 $176.1 $194.8 $18.8 10.6% $518.7 $699.4 $180.7 34.8% (+) Non-Interest Income $25.6 $33.0 $29.2 -$3.8 -11.6%
Slide 24: Net income after taxes grew 5% QoQ and 195% YoY driven by higher net interest income
Net income after taxes grew 5% ($4MM) QoQ and 195% ($172MM) YoY primarily driven by higher net interest income QoQ net income comparison: Q3-25 vs. Q4-25 ($MM) YoY net income comparison: FY2024 vs. FY2025 ($MM) +$4 +$172 (5%) (195%) ($4) $61 ($61) $11 ($8) $19 ($8) $12 $261 ($9) $72 ($52) ($2) $68 $
Slide 25: Normalized net income almost doubled YoY, increasing 86% ($139MM)
Normalized net income almost doubled YoY, increasing 86% ($139MM) Normalized net income after taxes ($MM, as of FY 2025 & 2024) +$139 +$73 (+86%) (+82%) $21 $9 ($6) $161 $19 ($15) ($49) $35 ($49) Mainly driven by $300 2024 $65 consulting service, $88 FDIC special assessment fee, and BOLI restructure
Slide 26: Earnings continue in an upward trajectory
Earnings continue in an upward trajectory Quarterly normalized net income after taxes and ROE ($MM, %) Normalized ROE (%) Normalized net income after taxes ($) Net income is being normalized primarily for one-time expenses related to consulting and other strategic project fees, higher temporary qual
Slide 27: Net interest income and margin increased for the eight consecutive quarter
Both our net interest income and margin increased for the eight consecutive quarter: In Q4-2025, our NIM expanded 22bps33 Net interest income ($MM) Net Interest Margin (%) +$19 +105bps +$9 (+11%) +$6 +0.22 +$12 (+5%) +0.08 +0.07 +$17 (+4%) +0.13 (+8%) $195 +0.26 2,88 +$13 (+13%) $176 +0.16 2,66 +$2
Slide 28: 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) — Q4 2025 Earnings Presentation on 6ix