Banco De Credito E Inversiones · BCS:BCI
Banco De Credito E Inversiones — Q1 2026 Earnings Presentation
29 slides from Banco De Credito E Inversiones's earnings presentation, May 2026
Slide 1: 1Q 2026 Corporate Presentation
1Q 2026 Corporate Presentation Investor Relations Department | Investor_Relations_Bci@Bci.cl May 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 Geographic breakdown as of March 2026 • Largest bank in Chile by total loans and assets Percentage contribution across Chile, the US and Peru • 3rd Largest Florida-based bank US$ 92
Slide 4: Top 10th bank in Assets in Latin America & Caribbean
Top 10th bank in Assets in Latin America & Caribbean With a more than US$90 billion in assets, we have consolidated our position as the number 1 bank in Chile, reflecting our growth strategy and regional strength—a ranking we also hold when considering our credit rating in the 'A' family. 10th +2 RA
Slide 5: Executive Summary
Executive Summary Consolidated Operations Financial Key Balance Sheet Composition Results Initiatives ● Net Income: +5.3% Growth. ● Bci’s Group: Corporate Structure ● NIM (Consolidated): 3.31%, -41 ● Loans: +5.9%, driven by Commercial Evolution to further support growth. bps. CNB: +35 bps, highest i
Slide 6: Chilean financial system
Chilean financial system eA
Slide 7: Bci is part of a robust and highly regulated financial system
Bci is part of a robust and highly regulated financial system Chile: Quarterly % GDP growth and forecast (YoY)1 Banking system capitalization ratio (Basel III)2 Total loans in the banking system (US$Bn)3 Chilean banking regulation – upgrading to Basel III Solid regulatory framework: Rigorous supervi
Slide 8: Bci Consolidated
Bci Consolidated eA
Slide 9: An 89-year trajectory, supported by strong corporate governance
An 89-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 10: Bci maintains a relevant position in the market
Bci maintains a relevant position in the market Chilean banking system benchmark in US$ million, as of March 2026 Loan breakdown1 Assets1 Other Other banks (12) banks (12) 15.4% 16.3% 15.5% 16.0% 12.8% 9.7% 14.4% 14.8% 18.0% 15.6% 14.3% 11.5% 9.4% 15.4% % Market share in Chilean banking system Comme
Slide 11: Loan growth evolution
Loan growth evolution Total loans (US$mm) Commercial & Interbank loans (US$mm) CAGR CAGR 6,5% 5,9% 63.382 7,3% 5,9% 42.344 59.909 61.317 59.847 40.368 40.707 39.972 42.813 26.361 54.069 39.917 41.826 40.157 35.751 24.361 25.527 50.694 24.470 37.317 32.979 35.462 22.643 20.984 16.007 15.180 15.503 15
Slide 12: Consistent organic growth in Chile…
Consistent organic growth in Chile… Return on average Equity (ROAE) 1 Local loans market share (%) 2 as of March 2026 Chile 22,64% 20,10% 13,76% 10,52% 11,69% 9,19% +116 bps of market share Return on average assets (ROAA)1 as of March 2026 2,08% 1,56% 1,22% 1,05% 0,89% 0,73% Source: CMF as of March
Slide 13: …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 14: 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$ 241 Million in additional provisions. Our loan portfolio is well diversified by business lines, economic sectors, cu
Slide 15: 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 16: Financial Services: NPL's
Financial Services: NPL's Figures are converted to US$ using an FX of 927.46 (April 1st 2026)
Slide 17: Operating Expenses
Operating Expenses Efficiency Ratio* Operating Expense (YTD) Expense Breakdown US$ million as of March 2025 * Efficiency ratio as calculated by the CMF (operating expenses excluding other operating expenses/gross operating result). Note: Figures are converted to USD using an FX of 927.46 (April 1st
Slide 18: Balance sheet
Balance sheet CAGR US$ million (*) 2022 2023 2024 2025 1Q 2025 1Q 2026 %D 2022-2025 Cash 4,589 3,903 3,803 3,641 -7.42% 4,192 3,193 -23.83% Securities 21,507 19,493 18,542 16,231 -8.95% 16,826 18,142 7.82% Loans 50,694 54,069 59,909 61,317 6.55% 59,847 63,382 5.91% Other Financial Instruments 338 34
Slide 19: Financial results
Financial results CAGR US$ million (*) 2022* 2023 2024 2025 1Q 2025 1Q 2026 %D 2022-2025 Net Interest Income 2,490 2,179 2,423 2,560 0.92% 662.7 612.7 -7.54% Net Fee Income 396 367 430 508 8.71% 122.6 140.2 14.34% Other Operating Income 24 171 98 231 112.00% 66.3 57.0 -14.0% Operating Income 2,910 2
Slide 20: City National Bank
City y National V Bank
Slide 21: Actual results as of March are overall 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 $515 10.6% Client Depos
Slide 22: CNB's strong client deposit growth outpacing the banking industry
CNB’s strong client deposit growth in 2026 is outpacing the banking industry (includes brokered) by ~2x Total Deposits ($MM) Banking Industry - Total Deposits ($B) $22,072 Client deposit growth $21,943 $1.970 Brokered deposits $2.551 +$710 (+4%) USA 2.35% $14.711 Interest bearing deposits $14.502 DD
Slide 23: Total loans grew ~$522MM (3%) in Q1, 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 46% (+2%) (+3%) of total $27.990 $28.630 $19.636 $20.158 portfolio Much lower than Dec-25 Mar-26 Dec-25 Mar
Slide 24: 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 25: Net income after taxes grew 18% QoQ and 52% YoY
Net income after taxes grew 18% ($13MM) QoQ and 52% ($29MM) YoY. NIM expanded 6bps QoQ and 42bps YoY QoQ net income comparison: Q4-25 vs. Q1-26 ($MM) YoY net income comparison: YTD 2025 vs. YTD 2026 ($MM) +$13 +$29 (18%) (52%) $84 $4 ($4) $6 $7 ($5) $5 ($3) $3 ($13) $84 $72 $3 $2 NIM $36 expanded 8b
Slide 26: Net interest income and margin increased for ninth consecutive quarter
Both our net interest income and margin increased for the ninth consecutive quarter: In Q1-2026, our NIM expanded 8bps Net interest income ($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 2,97 $195 $197 +0.26 2,88 +$
Slide 27: Value Creation
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 28: Projecting our Future with Purpose
Projecting our Future with Purpose Solid Performance: Q1 net income of $310.6M (+5.3% YoY) backed by efficient management and prudent risk approach. Leveraging our Scale: With total assets of US$92.3 billion, Bci Stands as the 10th largest bank in Latin America, reflecting the opportunities of our d
Slide 29: Forward-looking statements disclaimer
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) — Q1 2026 Earnings Presentation on 6ix