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November 2025 This presentation includes references to certain non-GAAP measures. We believe these non-GAAP measures provide useful information to both management and investors. These non-GAAP measures should not be considered in isolation or as a substitute for measures of performance prepared in accordance with U.S. GAAP and may be different from non-GAAP measures used by other companies. In addition, these non- GAAP measures are not based on any comprehensive set of accounting rules or principles. Non-GAAP measures have limitations in that they do not reflect all of the amounts associated with our results of operations as determined in accordance with U.S. GAAP. These non-GAAP financial measures should only be used to evaluate our results of operations in conjunction with the most comparable U.S. GAAP financial measures. The 2023 financial guidance contained in this presentation reflects management’s current assumptions regarding numerous evolving factors that are difficult to accurately predict. [Reconciliations of forward- looking non-GAAP measures to the relevant forward-looking GAAP measures are not being provided, as we do not currently have sufficient data to accurately estimate the variables and individual adjustments for such guidance and reconciliations. The 2023 financial guidance includes forward-looking statements. 3Q 2025
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Macro Overview Financial Results City National Bank of Florida Contents. 2
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US GDP grew 3.8% in Q2 due a still resilient domestic demand. Florida’s economic performance is slightly outpacing the national average Source: BEA, BLS, Bci Research US & Florida. GDP Growth by Quarter (annualized QoQ, %) US & Florida. Unemployment Rate (%) 3
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US. Total & Core CPI (YoY, %) US. Fed Funds Rate (%) Source: BEA, BLS, Federal Reserve, Bci Research Tariffs, to date, have had a mild impact on inflation. Fed is expected to cut rates at a faster pace, in line with a weaker labor market US. Yield Curve 3Q25 vs 2Q25 (%) 4
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Peru’s economic activity has maintained resilient and monetary policy rate is close to its neutral level Peru. GDP Growth by Quarter and Forecast (YoY, %) Peru. Inflation and MPR (%) Source: BCRP, Bloomberg, Bci Research Peru. Yield Curve 3Q25 vs 2Q25 (%) 5
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Chile. Quarterly GDP Growth and Forecast (YoY, %) Chile. Labor Market (%) Source: Central Bank of Chile, INE, Bci Research In Chile, economic activity has shown higher dynamism than expected. Nevertheless, labor market is still weak 6
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CPI is expected to reach the Central Bank’s target at 2026 Chile. CPI, Components and Perspectives (YoY, %) Chile. Monetary Policy Rate & Projections (%) Chile. Yield Curve 3Q25 vs 2Q25 (%) Source: Central Bank of Chile, INE, Bci Research 7
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Macro Overview Financial Results City National Bank of Florida Contents. 8
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● Net Income: US$ 797 million for the 9M 2025 (+21.6% YoY). ○ CNB contributed US$ 189 million to consolidated Net Income. ● Strong NIM: Consolidated NIM stood at 3.53% (+16 bps YoY). CNB NIM, the highest in almost 3 years. ● Net Fee Income: +17.9% YoY growth, fueled by fees derived from fund management, credit card services and usage. ● Lower Provision Expenses: -11.5% YoY, as result of proactive risk management. ● Strategic Alliance: with Copec -the biggest gas station in Chile- was established to offer our cardholders exclusive benefits while promoting the use of Bci credit cards within their ecosystem. ● NPS: Customer satisfaction continues to improve, climbing to 72.7 points. ● Innovation Leadership: first place in the Banking category at the Most Innovative Companies Chile 2025 from ESE Business School. ● Sustainability: Recognized as one of the world's most sustainable banks, Bci is in the top 9% of its peers and a member of the Dow Jones Sustainability Best-in-Class Index. Balance Sheet Composition Key Metric (9M YoY Comparison) Key Initiatives Executive Summary We achieved a record Net Income for the first nine months of the year, amounting to USD 797.3 million, drivenby the successful advancement towards our strategic initiatives. Consolidated Operations Note: Figures are converted to US$ using an FX of 962.39 (October 1st 2025), and % variations consider 2Q25 against 3Q24. ● Loan Portfolio: +11.8% YoY, driven by exceptional performance in our commercial segment (+13.0%) both local and though our international operations. ● Capital Ratios: CET1 ratio of 11.20% above regulatory requirements. ● Liquidity: Liquidity levels remain strong, with an LCR of 180.3% and an NSFR of 105.7%. ● Deposit Base: Total demand deposits increased +12.3% YoY. CNB contributes over 40% of the consolidated deposit base and grew its own deposits at 5.2% YTD, nearly double the U.S. industry average. 9
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Financial Results 3Q 2025 Note: Figures are converted to US$ using an FX of 962.39 (October 1st 2025) Consolidated Operations 10
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Local Operation. 11
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CAGR Loan growth driven by mortgage & commercial loans Source: Financial Market Commission (CMF) as of September 2025 Note: Figures are converted to US$ using an FX of 962.39 (October 1st 2025); Exclude CorpBanca investments in Colombia and Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú CAGR CAGR CAGR Commercial & Interbank loans (US$mm)Total loans (US$mm) Consumer lending loans (US$mm) Mortgage loans (US$mm) Financial System Local Operations 12
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Evolution of NIM and Fees NIM: calculated as the average of the last 7 months for interest-earning assets. Interest-earning assets include total loans, trading portfolio financial assets, investments under agreements to resell, financial investments available for sale, and held-to-maturity securities. Note: Figures are converted to US$ using and FX of 962.39 (October 1st 2025). Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú NIM (%) Net Fees (US$mm) Local Operations 13
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Operating Expenses Efficiency ratio as calculated by the CMF (operating expenses excluding other operating expenses/gross operating result). Sin ce 1Q18, additional allowances are not included in the calculation. Note: Figures are converted to US$ using an FX of 962.39 (October 1st 2025). Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Local Efficiency Ratio as of September 2025 as of september 2025 Expenses Breakdown as of September 2025 Operating Expenses YoY Local Operations Third quarter 2025 Operating Expenses YoY 14
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CET1 decreased by 46 bps YoY, reaching 11.20% as of Sep-25, mainly due to higher regulatory deductions and the increase in Risk-Weighted Assets (RWA) in line with business expansion. Despite this, Bci maintains a solid buffer above regulatory minimums. Effective equity grew 7.02% YoY, driven by: ● Stronger earnings generation (+21.5% YoY), reinforcing the Bank’s capacity to generate capital organically. ● Improved valuation of available-for-sale financial instruments (–30.24% YoY reduction in losses), supported by the normalization of interest rates in the United States. Sound Liquidity and Capital Ratios Local Liquidity Coverage Ratio sep’25 = 180.1% Note: Figures are converted to US$ using an FX of 962.39 (October 1st 2025) Liabilities Breakdown (Local) Capital Ratios (Consolidated) BIS Ratio Basel III (Consolidated) 15
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Trend of Risk Indicators Nota: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Figures are converted to US$ using an FX of 962.39 (October 1st 2025) **LLP = Loan loss provisions Total loans Local Operations 16
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* LLP = Loan loss provisions Commercial loans Trend of Risk Indicators Nota: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Figures are converted to US$ using an FX of 962.39 (October 1st 2025) Local Operations 17
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* LLP = Loan loss provisions Mortgage loans Trend of Risk Indicators Nota: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Figures are converted to US$ using an FX of 962.39 (October 1st 2025) Local Operations 18
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* LLP = Loan loss provisions Consumer loans Trend of Risk Indicators Nota: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Figures are converted to US$ using an FX of 962.39 (October 1st 2025) Local Operations 19
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Our CET 1 ratio significantly exceeds the well capitalized threshold even if we apply our unrealized AFS and HTM losses to capital ~$1.2B of excess capital as of September. Earnings maintained their upward trend, improving 344% YoY and 3% QoQ. ROA excluding goodwill amortization for Q3 was 1.03%. Both our net interest income and margin increased for the seventh consecutive quarter: In Q3- 2025, our NIM expanded 7bps. Both our net interest income and margin are the highest in almost 3 years. We maintained ~$10B of available & committed liquidity sources, representing 35% of total assets and ~110% of our uninsured & uncollateralized deposits Client deposits have increased $1.3B through September (7%) including DDAs growing $456MM or 10%. The banking industry as a whole grew $634B (3.6%) YTD, but this includes brokered deposits. In other words, CNB’s deposit growth is outpacing the industry by more than 2x. In 2025, we have continued to expand our NIM, maintain a strong liquidity position, improve our capital ratios and our CRE portfolio remains well managed Client Deposits Liquidity NIM Profitability Capital CRE Our commercial real estate portfolio is well diversified by type and geography, maintains a low LTV of 47% and the Florida market is performing better than the U.S. as a whole. ROE excluding goodwill amortization continues to improve reaching 10.30% in Q3, increasing 693bps YoY Source: City National Bank of Florida 21
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Total Deposits ($MM) Banking Industry - Total Deposits ($B) Non-interest bearing deposits represent 22.5% of total deposits $4.483 $4.743 $4.939 $13.494 $14.176 $14.366 $2.882 $2.609 $2.650 Dec-24 Jun-25 Sep-25 Brokered deposits Interest bearing deposits Non-interest bearing deposits $20,859 $21,529 $21,955 +$456 (+10%) +$1,328 (+7%) +$1,095 (+5%) Cost of Client Deposits (QTD Avg) Non-Int Bearing / Total Deposits Client Deposits ($MM) Deposits in commercial banks across the industry grew $634B (+3.6%) YTD, but this includes brokered deposits While total deposits in the banking industry have increased this year (includes brokered), our client deposits have grown significantly more, outpacing the industry by more than 2x 2.72% 21.49% $17,977 Source: City National Bank of Florida 2.53% $18,920 22.03% $17.784 $18.273 $18.418 Dec-24 Jun-25 Sep-25 +$634 (+4%) YTD DDAs growth Wholesale Funding ratio 21.18% 18.80% 2.52% 22.50% $19,305 18.99% YTD Client deposit growth 22
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Loans to Deposits (%) Total Risk Based Capital Ratio (%) Tier 1 Leverage Ratio (%) Total Assets ($MM) Total Loans & Leases ($MM) 87.24% 10.57% 15.08% Total loans have grown ~$1.4B (7.6%) YTD while maintaining strong asset quality & expanding capital ratios Investment Portfolio ($MM) $6,654 OCI after tax ($MM) ($409) $18.198 $18.928 $19.583 Dec-24 Jun-25 Sep-25 +$1,385 (+8%) Non-Performing Assets Ratio (%) ACL Coverage Ratio (%) 0.46% 1.01% $26.480 $27.039 $27.771 Dec-24 Jun-25 Sep-25 +$1,291 (+5%) Source: City National Bank of Florida 87.92% 10.69% $6,571 ($359) 15.44% 0.52% 1.10% Non-owner occupied CRE represents 48% of total portfolio 89.20% 10.82% $6,520 ($305) 15.36% 0.80% 1.15% Net Charge-offs Ratio (%) 0.16% 0.06% 0.01% Peers group (Banks from $10B-$100B) average 0.21% as of June-25 Our loan-to-deposit ratio remains low at 89.20% and capital ratios are strong 23
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CRE by Property Type CRE loans are well diversified across various property types with low LTVs (47%), excellent asset quality and ACL ratios All CRE categories have strong LTVs of 55% or below with 61% full or partial recourse 19% of CRE loans are outside of FL, representing only ~9% of total loans & leases Our CRE portfolio outside of Florida is well diversified with largest exposure in growth States, mainly in the southeast with a weighted avg LTV of ~56% Source: City National Bank of Florida (as of September 30th, 2025) Property Type Commitment ($M) % Total Balance ($M) % Total % of RBC WAvg LTV % % Accr 30+ DPD % Non- Accrual % In Florida % Full & Partial Recourse On BS Reserve ($M) ACL % Retail 2,289 19% 2,166 23% 66% 55% 0.0% 1.1% 73% 58% 24.9 1.15% Office 1,340 11% 1,265 13% 39% 55% 0.0% 0.2% 91% 61% 15.7 1.24% Multifamily 1,571 13% 1,425 15% 44% 49% 0.0% 0.1% 79% 62% 18.0 1.26% Hotels 717 6% 701 7% 22% 41% 0.0% 0.0% 95% 51% 10.4 1.48% Industrial 741 6% 695 7% 21% 46% 0.0% 0.0% 91% 49% 7.6 1.09% Other 1,370 12% 1,169 12% 36% 43% 3.2% 0.5% 88% 48% 7.3 0.63% Total NOO CRE (excl. C&D) 8,028 68% 7,421 77% 228% 50% 0.5% 0.5% 83% 56% 83.9 1.13% REITs + NDFI 1,034 9% 443 5% 14% N/A 0.0% 0.1% 15% 57% 4.4 0.98% Construction & Land Development 2,704 23% 1,726 18% 53% 45% 0.4% 0.7% 91% 78% 16.2 0.94% Total CRE (incl. R EIT s) 11,765 100% 9,590 100% 294% 47% 0.5% 0.5% 81% 61% 104.5 1.09% 24
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INCOME STATEMENT ($ millions) Q3 2024 Q4 2024 Q2 2025 Q3 2025 $ Var QoQ % Var QoQ YTD 2024 YTD 2025 $ Var YoY % Var YoY (+) Net Interest Income $132.4 $149.3 $167.4 $176.1 $8.7 5.2% $369.4 $504.5 $135.1 36.6% (+) Non-Interest Income $28.4 $25.6 $31.3 $33.0 $1.7 5.5% $83.9 $92.6 $8.7 10.4% (=) Operating Income $160.8 $174.8 $198.7 $209.1 $10.4 5.2% $453.3 $597.1 $143.8 31.7% (-) Personnel Expenses $44.4 $37.3 $51.5 $53.1 $1.6 3.2% $132.4 $158.0 $25.6 19.3% (-) Occupancy & Equipment Expenses $7.5 $6.9 $7.4 $7.2 -$0.2 -3.0% $22.9 $21.4 -$1.4 -6.2% (-) Other Non-Interest Expenses $41.4 $38.0 $32.9 $38.7 $5.8 17.7% $105.2 $107.9 $2.6 2.5% (-) Non-Interest Expenses $93.3 $82.2 $91.8 $99.0 $7.2 7.9% $260.5 $287.3 $26.8 10.3% (=) Core Earnings $67.5 $92.7 $106.9 $110.1 $3.2 3.0% $192.8 $309.8 $117.0 60.7% (-) Provision Expense $29.1 $26.5 $13.4 $15.0 $1.6 11.6% $53.4 $43.5 -$9.9 -18.6% (-) Amortization Expense $4.7 $4.7 $4.7 $4.7 $0.0 0.0% $17.6 $14.0 -$3.6 -20.6% (+) Gain on Sale of Securities, CVA Adj & Marketable securities -$64.3 -$0.4 -$0.5 $0.2 $0.7 -151.4% -$64.3 -$0.2 $64.2 -99.7% (=) Net Income before Taxes -$30.5 $61.1 $88.3 $90.7 $2.4 2.7% $57.5 $252.2 $194.7 338.7% (-) Tax Expense -$6.3 $15.2 $22.3 $22.6 $0.4 1.7% $14.9 $62.9 $48.0 322.3% (=) Net Income after Taxes -$24.2 $45.9 $66.0 $68.0 $2.0 3.0% $42.6 $189.3 $146.7 344.5% RATIOS (%) Q3 2024 Q4 2024 Q2 2025 Q3 2025 % Var QoQ YTD 2024 YTD 2025 % Var YoY Net Interest Margin (NIM) 2.11% 2.37% 2.59% 2.66% 7 bps 1.99% 2.60% 61 bps ROAA -0.37% 0.69% 0.97% 0.98% 0 bps 0.22% 0.93% 71 bps ROAA (excluding goodwill amort) -0.31% 0.74% 1.02% 1.03% 0 bps 0.28% 0.98% 70 bps ROAE -3.89% 7.08% 9.93% 9.80% -14 bps 2.36% 9.49% 713 bps ROAE (excluding goodwill amort) -3.32% 7.60% 10.46% 10.30% -16 bps 3.09% 10.01% 693 bps Core Efficiency Ratio 57.91% 47.11% 46.32% 47.30% 99 bps 57.43% 48.13% -930 bps Net income after taxes grew ~3% QoQ and 344% YoY ROA and ROE, excluding goodwill amortization, were 1.03% and 10.30% in Q3’25, respectively Source: City National Bank of Florida 25
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YoY net income comparison: YTD September 2024 vs. 2025 ($MM) Net income after taxes grew 3% ($2MM) QoQ and 344% ($147MM) YoY primarily driven by higher net interest income Source: City National Bank of Florida QoQ net income comparison: Q2-25 vs. Q3-25 ($MM) $66 $9 Q2 2025 Actual Net interest income $2 Non- interest income ($7) Non- interest expense ($2) Provision expense $0 Intangibles & taxes Q3 2025 Actual $68 +$2 (3%) $43 $135 $69 YTD 2024 Actual Net interest income $9 Non- interest income ($27) Non- interest expense Provision expense Loss on investment repositioning & BOLI restructure ($49) Intangibles & taxes YTD 2025 Actual $189 $10 +$147 (344%) NIM is 61bps higher YoY NIM expanded 7bps in Q3 26
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+83bps Both our net interest income and margin increased for the seventh consecutive quarter: In Q3-2025, our NIM expanded 7bps Net interest income ($MM) Net Interest Margin (%) Cost of funds 3.19% 3.23% 3.20% Effective Fed Funds 5.33% 5.33% 5.33% Yield on earning assets 5.03% 5.12% 5.16% Source: City National Bank of Florida NIM expanded 7bps in Q3-2025, due to higher yield on earning assets (5bps) and lower cost of funds (2bps); in Sep-25 our NIM reached 2.72%, maintaining its upward trend 3.12% 5.24% 2.83% 5.26% 4.65% 5.21% 2.72% 5.27% 4.33% 2.64% 5.23% 4.33% $114 $118 $119 $132 $149 $161 $167 $176 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25Q4-23 Q1-24 +$4 (+4%) +$2 (+1%) +$13 (+11%) +$17 (+13%) +$12 (+8%) +$6 (+4%) +$9 (+5%) 1,83 1,90 1,96 2,11 2,37 2,50 2,59 2,66 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 2.55 Q4-23 +0.06 +0.06 +0.16 +0.26 +0.18 +0.04 +0.07 Normalized NIM as Q1 included a one-time loan mark income from a payoff 2.62% 4.30% 5.28% 27
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Earnings continue in an upward trajectory Source: City National Bank of Florida $39 $50 $61 $71 $76 6,3 7,7 9,6 10,7 10,9 0 2 4 6 8 10 12 14 16 0 10 20 30 40 50 60 70 80 Q3- 24 Q4- 24 Q1- 25 Q2- 25 Q3- 25 +7% Normalized ROE (%) Normalized net income after taxes ($) Quarterly normalized net income after taxes and ROE ($MM, %) Net income is being normalized primarily for a one-time gain on the sale of the drive-thru location as well as one-time expenses related to consulting and other strategic project fees, higher temporary qualitative factors for certain reserves, goodwill amortization, CVA adjustment, and the change in the value of equity securities 28
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Although we have just started our 5-year Project WIN journey, we are already delivering profitable and diversified growth Source: City National Bank of Florida Moderate Growth / Diversification Enhanced Profitability Scalability / Digital Experience Culture Preservation / Engagement Regulatory Excellence 1 2 3 4 5 Value Creation Key Objectives YTD Sep 2025 Accomplishments Increased client deposits growing by 10% (annualized) doubling the 5% from the industry. Loans growing at the same pace as deposits (~10% annually) Enhanced earnings, with ROE (excluding goodwill) of ~10% YTD, NIM improving 61bps YoY and efficiency ratio at 48.13% Increased automation across the bank (i.e. new credit process optimization, new WM platform, data and analytics, automation of manual processes, etc.) Engaged all employees in the execution and continued success of Project Win, with a strong and distinct leadership culture Strengthened our three lines of defense to maintain a robust internal control framework as we grow 29
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3Q25 Closing Remarks ● Consolidated Results: We achieved USD 797 million in net income for the first nine months of 2025, +21.6% increase compared to the same 9M of last year. ● YTD Income Drivers: Our results are supported by a 8.6% expansion of the financial margin, strong 17.9% YoY growth in net fee income, prudent risk management reflected on a 0.56% CoR and better net financial result. ● Strong Asset quality: Our active approach is reflected in an 11.53% year-over-year decrease in credit loss expenses and a total NPL ratio of 1.46%, highlighting the decrease in the consumer portfolio. ● Diversified Business: Our international operations, including Bci Peru, Bci Miami, and CNB (Florida), excelled. CNB, in particular, saw significant client deposit growth and its seventh consecutive quarter of Net Interest Margin expansion. ● Strengthened Financial Position: We expanded our commercial loan portfolio significantly above the system (+13% on a consolidated basis and +11% in the local operation), while total deposits are up 8.7%. Our strong capital position is reflected on a CET1 ratio of 11.2%. ● Commitment to Sustainability: We were recognized as Chile's most sustainable company by Merco ESG, affirming our dedication to responsible growth. We look forward to a positive 2025 year end, firmly stepping towards our 2026 strategic objectives.
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Thank you. This presentation contains forward-looking statements in various places throughout therein, related to, without limitation, our future business development. Forward-looking information is often, but not always, identified by the use of words such as “anticipate”, “believe”, “expect”, “plan”, “intend”, “forecast”, “project”, “may”, “will”, “should”, “could”, “estimate”, “predict” or similar words suggesting future outcomes or language suggesting an outlook. While these forward looking statements represent our judgment and future expectations concerning the development of our business, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from our plans, objectives, expectations, anticipations, estimates and intentions expressed in such forward-looking statements. The risk factors and other key factors that we have indicated in our past and future filings and reports, including those with local or foreign authorities, could adversely affect our business and financial performance. The information contained herein is subject to, and must be read in conjunction with, all other publicly available information, including relevant document published by Banco de Crédito e Inversiones (“Bci”) or any of its related companies. The forward-looking statements represent our views as of the date of this presentation and should not be relied upon as representing our views as of any date subsequent to the date of this presentation. We undertake no obligation to update any of these statements. Recipients of this presentation are not to construe the contents therein as legal, tax or investment advice and such recipients should consult their own advisors in this regard. Likewise, this presentation does not constitute or form any part of any offer, invitation or inducement to sell or issue, or any solicitation of any offer to purchase or subscribe for, any shares or other securities issued or related to Bci. Furthermore, any liability for losses arising from the use of material contained in this presentation, which is confidential and submitted to prior selected recipients only, is accepted by Bci or its executives, directors or related companies. This presentation may not be reproduced (in whole or in part) to any other person, without our prior written consent”. We have adopted IFRS 9 “Financial Instruments” (previously IAS 39). However, the Financial Market Commission (CMF, according to the Spanish acronym) excluded the application of the methodology to calculate the expected credit risk loss for loans, which will continue to be calculated using the expected loss models defined by the CMF, our local regulator. Besides this modification, there were other regulatory modifications that we disclosed in our annual financial statements concerning accounting criteria and the presentation of the financial statements. These modifications of our accounting policies and of the presentation of our financial statements require the 2021 figures to be stated off the books (pro forma) to comply with the comparability principle of the IFRS, due to the implementation as of January 2022 of the new accounting regulation requirements of the CMF in its Compendium of Accounting Regulations for Banks. Lastly, it should be indicated that besides issuing the consolidated financial statements of the Bank, we will also include a new financial report on management comments that will be published jointly on our website on August 12th, 2022. If you have any further queries about this new format, do not hesitate to contact the IR team.