Banco de Crédito e Inversiones (BCI) Corporate presentation summary

Market position and business overview

• Holds leading position in Chile by assets ($86.5bn, +6.2% YoY) and loans ($55.7bn, +11.1% YoY), with a diversified business model and international presence, including the third largest Florida-based bank.

• Serves approximately 6 million customers and maintains a strong credit rating (A2/A-/A- from Moody's, S&P, and Fitch).

• Net income YTD reached $445.6 million with a ROAE of 12.28%.

• Market share in local loans is 16.26%, leading among peers.

Financial performance and growth

• Total assets grew to $86.5bn (+6.17% YoY), and loans to $55.7bn (+11.1% YoY) as of June 2024.

• Consolidated net income for 2Q 2024 was $226 million, up 5.7% YoY.

• Net interest income increased, with NIM expanding 6bps QoQ to 1.96% and reaching the highest level since May 2023.

• Operating expenses rose 13.6% YoY, with an efficiency ratio of 45.0% as of June 2024.

Risk management and asset quality

• Asset quality supported by proactive risk management, with NPLs at 1.47% as of June 2024.

• Loan loss provisions/average gross loans at 3.65%, and the 20 largest loans account for less than 10% of the portfolio.

• Additional provisions exceed $360 million, and the loan portfolio is well diversified.

• CRE portfolio in Florida is well diversified, with low LTV (50%) and strong DSCR (1.8x).