Banco Itaú (ITAUCL) Investor presentation summary

Strategic positioning and business overview

• Operates as a universal bank and is a key part of Itaú Unibanco's internationalization, with a strong regional footprint in Chile and Colombia.

• Total assets reached Ch$48.7 trillion as of June 2026, with 206 branches and 6,395 employees.

• Loan portfolio stands at Ch$30.8 trillion, representing 11% of Itaú Unibanco's consolidated loans.

• Maintains a diversified loan book across commercial, mortgage, and consumer segments, with 83% of loans in Chile and 17% in Colombia.

• Recent divestment of Colombia retail operations to Banco de Bogotá, releasing MMUSD 1,185 in RWA and targeting a 10-15% ROE by 2028.

Financial performance and growth

• Achieved recurring net income of Ch$108.9 billion in 2Q26, up 42.1% QoQ and 10.3% YoY.

• Recurring ROTE reached 11.4%, with a 3.4 p.p. increase QoQ.

• Loan growth outpaced the industry, with commercial and mortgage segments showing strong performance.

• Financial margin with clients increased 3.5% QoQ, driven by higher loan volumes and improved funding mix.

• Cost of credit remained controlled at 1.1%, with NPLs and coverage ratios stable.

Funding, capital, and stock performance

• Demand and time deposits grew robustly, with top peer group performance in both categories.

• CET1 capital ratio stood at 11.5% in June 2026, above peer median, supporting sustainable growth.

• Stock delivered a 68.3% return over the last 12 months, outperforming IPSA and peers.

• Maintained the highest stock liquidity among Chilean banks, with ADTV above US$5 million.