Banco Itaú (ITAUCL) investor relations material

Executive summary

• Achieved above-industry loan and deposit growth, with strong commercial momentum and strategic repositioning, including the sale of the Colombian retail banking business and regulatory approval for the Klap acquisition.

• Recognized as the top research team in Chile and Latin America, reflecting strong advisory and analytical capabilities.

• Interim consolidated financial statements as of June 30, 2026, reviewed with no material misstatements by independent auditors.

• The bank operates in Chile, Colombia, Panama, with a branch in New York and a representative office in Lima.

• Total consolidated assets reached MCh$48,684,304 and consolidated equity MCh$4,392,571 as of June 30, 2026.

Financial highlights

• Consolidated loan portfolio reached CLP 30.8 trillion (MCh$30,811,607), up 3.4% quarter-over-quarter and 11.3% year-over-year.

• Consolidated recurring net income was CLP 108.9 billion, up 42.1% quarter-over-quarter and 10.3% year-over-year; net income for the first half of 2026 was MCh$179,724.

• Financial margin with clients in Chile increased 3.5% quarter-over-quarter to CLP 254.3 billion, but declined 3.2% year-over-year.

• Commissions and fees increased 17.1% quarter-over-quarter and 3.6% year-over-year in Chile, with insurance brokerage revenues up 47.5% quarter-over-quarter.

• Cost of credit remained stable at 1.0%, in line with guidance.

Outlook and guidance

• Loan growth in Chile exceeded guidance, reaching 9.6% year-over-year versus a 6%-8% target.

• Financial margin with clients slightly below guidance at 3.2% (guidance: 3.3%-3.5%), but expected to improve in the second half.

• Commissions and fees below full-year guidance, but a robust pipeline and improved momentum are expected to drive growth in the second half.

• Cost of credit risk guidance at 1.0%-1.1%, on track at 1.0%.

• S&P Global Ratings upgraded the bank’s long-term credit rating to “A-” with a stable outlook, citing strong capitalization and risk management.