Banco de Crédito e Inversiones (BCI) Corporate presentation summary

Financial performance highlights

• Net income reached US$699 million for 1H26, up 21% YoY, with strong contributions from international subsidiaries, especially CNB, which grew net income by 47% YoY to US$177 million.

• Total loans expanded 6.13% YoY to US$64.4 billion, maintaining leadership in Chile by assets and loans.

• Fee income rose 10% YoY, driven by retail transactionality and wholesale banking momentum.

• Efficiency ratio improved by 452 bps YoY to 45.6%, supported by a 2.5% decrease in operating expenses.

• CET1 ratio increased to 11.27%, 226 bps above regulatory requirements, reflecting strong internal capital generation.

Asset quality and risk management

• NPL ratio improved to 1.36% as of June 2026, with credit loss expenses dropping 14% YoY.

• Loan portfolio is well diversified by business line, sector, and geography; top 20 loans account for less than 10% of total.

• Additional provisions exceed US$239 million, supporting proactive risk management.

• Coverage ratio remains robust, and cost of risk continues to trend downward.

Market position and growth

• Largest bank in Chile by total loans and assets, with a 14.8% local loan market share and 24.5% ROAE as of June 2026.

• Maintains a leading position in demand deposits (30.8% market share) and time deposits (15.8%).

• International platform, including City National Bank of Florida, Bci Miami, and Bci Peru, continues to deliver sound results.