Banco Itau Chile · BCS:ITAUCL
Banco Itau Chile — Itaú Chile — Q4 2025 Earnings Presentation
22 slides from Banco Itau Chile's earnings presentation, Mar 2, 2026
Slide 1: 4Q 2025 Results Conference Call
ItaúChile 4Q 2025 Results Conference Call March 2, 2026 ITAUCL ir.itau.cl /Itaú Chile /itauchile @itauchile
Slide 2: 4Q25 | Key Highlights
ItaúChile 4Q25 Results | Conference Call 4Q25 | Key Highlights Strong results driven Loan and deposits by income mix, growth outpacing improved cost of risk the industry and capital strength Acquisition of Klap Accelerating our enhances our strategic shift in payments and Colombia merchant offering
Slide 3: Corporate Governance
ItaúChile 4Q25 Results | Conference Call Corporate Governance Board Executive of Directors I Committee New Members New Members Gustavo Ortiz Adriano Fernandes Independent Director Chief Credit Risk Officer Since January 1, 2026 Since June 2025 Azucena Aberleche Eduardo Martins Alternate Director Chi
Slide 4: Highlights: Recognitions and Awards
ItaúChile 4Q25 Results | Conference Call Highlights Recognitions and Awards CLIENTS Continued leadership in client satisfaction, now According to Servitest by IPSOS NPS 2025 NPS 2025 NPS 2025 1 1 High Net Worth 1 Retail SMEs Enhancing our Individuals payments value 4th consecutive year 2nd consecuti
Slide 5: Hecho contigo
ItaúChile 4Q25 Results | Conference Call Brand Marketing campaigns We want to be present in our clients’ lives Hecho contigo campaign Paga tus compras con Itaú Hecho con paseítos. Hecho con beneficios. puntos desde la app. Hecho contigo. Hecho contigo. We understand our clients’ needs We also sponso
Slide 6: Colombia Retail Divestment
ItaúChile 4Q25 Results | Conference Call Colombia Retail Divestment • Sale of Itaú Colombia’s retail portfolio to Banco de Bogotá • Strategic refocus on scalable corporate and wholesale banking • Capital increase of up to US$100 million to support focused growth and competitiveness Colombia Sale of
Slide 7: 4Q25 | Loan Portfolio
G UIDANCE ItaúChile In line with the market 4Q25 Results | Conference Call 4Q25 | Loan Portfolio Results | 3.5% Loans Growth 3.5% 2024 vs. 2025 3-month growth (%) 2.5% 2024 vs. 2025 Regaining growth momentum in the 2nd half of the year 2.6% 0.3% Commercial Consumer Mortgage Dec-24 Mar-25 Jun-25 Sep-
Slide 8: 4Q25 | Funding and AuM
ItaúChile 4Q25 Results | Conference Call 4Q25 | Funding and AuM Demand deposits and AuM Demand deposits Evolution Top 1 in Demand Deposits 3 & 12 Volume Growth 3-month growth (%) months growth within Peer group 3-month % 7.9% System 4.3% 3.5% 7.9% 3.5% dec-24 dic-24 mar-25 jun-25 sept-25 dec-25 dic-
Slide 9: 4Q25 | Summary of main performance indicators
ItaúChile 4Q25 Results | Conference Call 4Q25 | Summary of main performance indicators 4Q’25 vs. 4Q’24 In Ch$ billion Credit Cost of Portfolio 28.9 trillion 24.2 trillion Credit 80.5 65.4 ▲3.6% ▲ 3.5 % ▲ 4.1% ▼ 3.8% Recurring Financial Margin with 329.3 260.3 Net Income 112.0 105.1 clients ▼ -1.8 %
Slide 10: 4Q25 | Financial margin with Clients
G UIDANCE ItaúChile Stable as interest rates decline 4Q25 Results | Conference Call 4Q25 | Financial margin with Clients Results | Financial margin with Clients In Ch$ billion -1.2% 0.3% 263.4 259.7 262.6 259.6 260.3 Increase of 0.3% due to • Higher commercial dynamism 4Q25 vs. 3Q25 • Positive effec
Slide 11: 4Q25 | Financial margin with the Market
ItaúChile 4Q25 Results | Conference Call 4Q25 | Financial margin with the Market Stabilization of the margin with the market Decrease of 5.9% due to • Higher comparative base supported by a client-driven treasury business 4Q25 vs. 3Q25 • Lower results in FX and Rates management • Lower positive resu
Slide 12: 4Q25 | Commissions and fees
G UIDANCE ItaúChile 10 % – 15% 4Q25 Results | Conference Call 4Q25 | Commissions and fees Results | 16% Commisions and fees In Ch$ billion 4Q25 3Q25 4Q24 2025 2024 In Ch$ billion Insurance Brokerage 12.8 8.2 55.5% 8.4 51.2% 37.2 31.4 18.7% 16.0% Credit Operations and Guarantees Provided 12.2 1
Slide 13: 4Q25 | Cost of Credit
G UIDANCE ItaúChile 1.0 % - 1.2 % 4Q25 Results | Conference Call 4Q25 | Cost of Credit 200% mar-24 Results | 1.1% jun-24 sep-24 dec-24 mar-25 190% 4.3% Cost of credit 1,1% | 2025 Non Performing Loans 180% Coverage Ratio1 1,3% | 2024 In Ch$ billion % % 3.8% 3.0% 170% 1.2% 2.9% 120.0 1.1% 1.1% 1.3% 2.
Slide 14: 4Q25 | Non-interest expenses
G UIDANCE ItaúChile Below inflation (3.5%) 4Q25 Results | Conference Call 4Q25 | Non-interest expenses Results | 4.0% In Ch$ billion 4Q25 3Q25 4Q24 2025 2024 Personnel 67.6 64.3 -5.1% 65.2 -3.7% 259.9 247.4 -5.0% Administrative 59.1 56.6 -4.4% 63.9 7.5% 232.6 223.9 -3.9% 4Q25 vs. 3Q25 Total Pe
Slide 15: 4Q25 | Colombia
ItaúChile 4Q25 Results | Conference Call 4Q25 | Colombia Our Transformation Plan continues underway… …while showing the lowest of Cost of Credit of the year… Branches and Headcount Cost of credit 7,000 In Ch$ billion 72 72 75 1.85 1.23 6,000 0.86 1.47 1.49 66 65 5,000 70 65 4,000 65 22,557 17,506 17
Slide 16: 4Q25 | Capital and Dividends
ItaúChile 4Q25 Results | Conference Call 4Q25 | Capital and Dividends CET1 Fully loaded Capital Ratio Dividends per Share and payout Evolution Information on peers and Itaú Chile as of dec′25 In Ch$ and in % 12.2% 1,400 70% 60% 11.7% 1,200 60% 11.4% 1,000 50% Proposed 800 40% 30% 30% 30% dividends 6
Slide 17: 4Q25 | Stock Performance
ItaúChile 4Q25 Results | Conference Call 4Q25 | Stock Performance Ch$ 22,487 Price to Tangible Book Value: 1,3x Feb 26, 2026 Ch$ 19,950 Price to Tangible Book Value: 1,1x We ended 2025 with a Dec 31, 2025 96.3% return, 115.4% outperforming the IPSA and our peers’ weighted average, 80.0% and deliveri
Slide 18: Chile | Macroeconomic Outlook
ItaúChile 4Q25 Results | Conference Call Chile | Macroeconomic Outlook GDP growth Inflation and Monetary Policy Rate Annual growth % Annual variation. % & eop % Inflation Policy Rate 2.3 2.6 2.5 4.5 4.25 4.25 20 21 22 23 24 25 26 27 3.5 2.8 3.0 20 21 22 23 24 25 26 27 Unemployment Fiscal Balance %.
Slide 19: Colombia | Macroeconomic Outlook
ItaúChile 4Q25 Results | Conference Call Colombia | Macroeconomic Outlook GDP growth Inflation and Monetary Policy Rate Annual growth. % Annual variation. % & eop % Inflation Policy Rate 12.0 10.75 9.25 2.6 2.3 2.3 20 21 22 23 24 25 26 27 6.7 5.7 5.1 20 21 22 23 24 25 26 27 Unemployment Fiscal Balan
Slide 20: Guidance 2026
ItaúChile 4Q25 Results | Conference Call Guidance 2026 Loan Growth Between 6% – 8% Financial Margin with Clients Between 3.3% – 3.5% Commissions and Fees Between 13% – 15% Expected Guidance (% growth) Chile 2026 Cost of Credit Risk1 Between 1.0% – 1.2% Non-interest expenses ~3% (% growth) Managerial
Slide 21: Disclaimers
ItaúChile 4Q25 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 Chile /itauchile @itauchile