Banco de Crédito e Inversiones (BCI) investor relations material

Strategic positioning and business model

• Maintains leadership as Chile's largest bank by assets and loans, with a diversified business model and international presence, including significant operations in Florida and Peru.

• Focuses on digital transformation, sustainable growth, and international expansion, supported by strong corporate governance and a people-centered culture.

• Strategic pillars include leveraging digital customer experience, prudent risk management, and disruptive innovation.

Financial performance and growth

• Achieved total assets of US$92.3 billion (+5.0% YoY) and total loans of US$63.4 billion (+5.9% YoY) as of March 2026.

• Consolidated net income reached US$310.6 million YTD, with ROAE at 13.8%.

• Net income grew 5.3% YoY, driven by loan and deposit growth, improved efficiency (46.5% ratio), and strong asset quality.

• Operating expenses decreased by 13.8%, and credit loss expenses dropped by 24.6%, reflecting disciplined cost control and risk management.

Asset quality and risk management

• Maintains robust asset quality with NPL ratios trending downward across commercial, consumer, and mortgage portfolios.

• Loan loss provisions and additional reserves exceed US$241 million, with the 20 largest loans accounting for less than 10% of the portfolio.

• Proactive risk management and diversified loan portfolio by business line, sector, and geography.