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1 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers Corporate Presentation 2014 Investor Presentation January 2026 Corporate Structure Evolution Proposal Group
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2 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers We are embarking in a transformative Corporate Structure Evolution with significant growth potential Context ⚫ Banco de Crédito e Inversiones (“Bci”) is in the process of adapting its corporate structure through the creation of a Holding company (“Bci Group”) that will act as the parent entity for all of Bci’s operations in Chile and abroad (the “Corporate Structure Evolution”) ⚫ As part of this restructuring process, Bci also plans to separate its main US-domiciled subsidiary, Bci Financial Group (100% owner of City National Bank of Florida, “CNB”) from its Chilean operations Corporate Structure Evolution rationale ⚫ Enable Bci’s growth potential both in Chile and abroad by placing the investment in CNB under Bci Group (entity without investment limitations in a single foreign country) ⚫ The Corporate Structure Evolution will also allow Bci to continue developing its long-term strategy by optimizing capital allocation among businesses and enhancing funding flexibility Course of business & considerations for stakeholders ⚫ The Corporate Structure Evolution will not affect Bci’s course of business; Bci will maintain its strategic focus across all lines of business ⚫ Bci will retain its ability to fulfill its commitments to all stakeholders ⚫ All of Bci’s shareholders will be offered to migrate to Bci Group, and consequently, all shareholders will benefit from the upside resulting from this Corporate Structure Evolution 2
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3 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers We have achieved remarkable milestones during the last decade, and now is the time to determine the corporate structure needed for our next wave of growth Bci has become the largest bank in Chile by total assets ⚫ More than US$88bn in consolidated assets ⚫ Sustained local growth and a successful international strategy ⚫ Conservative and responsible capital, provisions and risk strategy 1 International assets represent ~42% of the balance sheet ⚫ CNB has quadrupled since its acquisition in 2015, with assets worth ~US$28bn ⚫ Bci has reached ~US$1.4bn in assets in its new operation in Peru 2 Successful track-record of organic and inorganic growth execution ⚫ Proven organic and inorganic expansion ⚫ Successful integration of acquired operations 3 Source: Company information Notes: 1 International assets 2015 consider CNB´s total assets Evolution of Total Assets, US$bn International assets1 over total assets, % + ~2.1x +~26% 2015 M&A 2015 M&A 2019 M&A 2019 Organic growth 2016 Organic growth 2018 M&A International growth We are continuously looking for ways to maximize value for our shareholders ⚫ How do we sustain our leading position in Chile? ⚫ How do we maintain our growth trajectory in the US and Peru? ⚫ How do we strengthen our equity story to market stakeholders? ⚫ How do we increase the capital flexibility of Bci? Historical growth path Challenges for our future 16% 42% 2015 3Q25 41 87 2015 3Q25 3
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4 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers Current structure Proposed structure We are proposing separating Bci into two independent entities, organized under a listed holding company Overview of the proposed Corporate Structure Evolution Bci Group Bci Financial Group Bank Shareholders Bci Peru, Bci Securities, Bci Miami (branch), other local subsidiaries Consolidated Shareholders Bci Financial Group Bci Peru, Bci Securities, Bci Miami (branch), other local subsidiaries Notes: This is an illustrative, non-exhaustive representation that does not list every division and subsidiary of Bci New entity Domicile Chilean bank 4
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5 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers As a result of this Corporate Structure Evolution, we will have two robust business verticals with clearly-identified target markets Source: Company information; Figures as of 3Q25 Notes: Bci Bank includes other US subsidiaries outside of Bci FG and CNB (Bci Securities and Bci Miami), and Rep Offices in Brazil, Colombia, Mexico and China ● 3rd largest privately held bank in Chile by total loans ⚫ Fast growing bank in Peru ● 3rd Largest Florida based bank ● Relationship-based institution with ~80 years of tradition Chile “Bci Bank” (68% of assets) → LATAM FOCUSED “Bci FG” (32% of assets) → US FOCUSED A B C D E US$49bn assets US$1bn assets US$7bn assets US$2bn AUM US$28bn assets Fully digital bank Payments Consumer finance ⚫ Placement platform for LatAm Commercial & Private Bank clients ⚫ Investment Brokerage & Wealth Management Supporting products & services A B C E D Chile Perú Bci’s Corporate Structure Evolution as two separate, fully independent business platforms will help the market understand each bank’s strategy and market value ⚫ Both franchises will retain significant market share in their respective businesses ⚫ Different segment and country risk exposure ⚫ Independent & local peer set that can be used as a performance and valuation benchmark for each bank 5
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6 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers This Corporate Structure Evolution will trigger a series of benefits in the short and long term Further support growth in Chile and the US by optimizing capital allocation within the Bci Group 1 Add capital flexibility in the form of diversification of sources of capital and distribution mechanisms to shareholders 3 Maximize value to Bci shareholders, through a more streamlined corporate structure with better visibility on results by each bank 2 ⚫ Bci Group is not subject to the single foreign country investment limits that apply to Bci Bank ⚫ Determine internal capital requirements of Chile and US separately ⚫ Facilitate inorganic growth opportunities in the US and/or in LatAm ⚫ Align systemic risk of Bci Bank with other Chilean banks ⚫ Improve positioning of core markets ⚫ Benchmark each vertical with their respective peers ⚫ Mitigate contagion risk for depositors between markets ⚫ Additional funding capabilities through Bci Group debt ⚫ Unlock additional shareholder return mechanisms, such as buyback programs 6
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7 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers NET INTEREST MARGIN (NIM) We will crystalize each bank’s financial strength, operational scale and business models more effectively … Source: Company filings, CMF Notes: Considers 3Q25 LTM ratios calculated in local currency; Bci Bank includes other US subsidiaries outside of Bci FG and CNB (Bci Securities and Bci Miami); NIM calculated as net interest income over average interest earning assets (considered as per company methodology); Figures used for calculating the ratios shown for Bci Bank are computed as the difference between Bci and CNB; Total loans for Bci Bank in US$mm converted from CLP using spot rate as of 6/30/25 (931.62 CLP : 1 USD); 1 Normalized values EFFICIENCY RATIO ROAE TOTAL LOANS (US$MM) BCI BANK CNB Consolidated Bank 23.702 19.650 10.964 6.942 5.856 2.131 Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Consolidated + 58bps 2,5% 3,4% Peer Avg + 220bps Consolidated 10,4% 10,0% Peer Avg 1 120bps Consolidated 46,4% 58,7% Peer Avg 1 59.007 42.552 41.151 39.009 29.624 Peer 1 Peer 2 Peer 3 3,7% 4,3% 3,9% Peer Avg 49,9% 51,1% 41,4% Peer Avg 13,3% 15,5% 15,8% Peer Avg Bank Bank Bank 7
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8 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers Source: Company information Notes: Bci Bank includes other US subsidiaries outside of Bci FG and CNB (Bci Securities and Bci Miami) ... preserving our strong capital position in Chile Capital ratios to be in line with historical levels. Total Capital ratio actually increasing, while CET1 / Tier 1 Capital ratios expected to normalize quickly as Basel III is fully implemented https://www.bcentral.cl/documents/3352 8/5773323/recuadro-IV1-ief-1s-2024- evolucion-requerimientos.pdf/241a9f13- 6806-40dc-1d52- 71f93c5b1557?t=1715049550742 Regulatory requirement Tier 1 capital ratio (%) 10,2% 11,0% 11,2% 10,2% (4.6%) 0,4% 3,2% 21A-23A Avg 2024A 3Q25A Corporate Structure Evolution impact on regulatory capital – 3Q25 9.0% 10,7% 12,7% 12,7% 12,4% (4.6%) 0,4% 3,9% 21A-23A Avg 2024A 3Q25A 13,6% 15,5% 15,4% 16,3% (4.6%) 0,4% 5.1% 21A-23A Avg 2024A 3Q25A CET1 ratio (%) Bci consolidated regulatory capital ratios Historical figures Total capital ratio (%) Deconsolidation of CNB Book Value CNB goodwill, intangibles & deductions elimination CNB RWA deconsolidation Bci Bank 3Q25 PF Regulatory requirement 12.5% Deconsolidation of CNB Book Value CNB goodwill, intangibles & deductions elimination CNB RWA deconsolidation Bci Bank 3Q25 PF Deconsolidation of CNB Book Value CNB goodwill, intangibles & deductions elimination CNB RWA deconsolidation Bci Bank 3Q25 PF 8
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9 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers We have identified a clear and transparent execution process that will offer the same conditions to all Bci shareholders Preliminary step-by-step overview of the Corporate Structure Evolution process Notes: This is an illustrative, non-exhaustive representation that does not list every division and subsidiary of Bci; Alternatives to simplify the resulting corporate structure further may also be explored after the proposed Corporate Structure Evolution; While the Chilean bank will be listed, the aim is to have all of Bci’s liquidity at Bci Group 1 Bci Bank includes other US subsidiaries outside of Bci FG and CNB (Bci Securities and Bci Miami) Incorporation of Bci Group Register and list Bci Group & capital contribution of Bci shares Invitation to all Bci shareholders to subscribe to Bci Group Division Bci Group to be incorporated as a corporation Carve-out of US Banking Affiliates under a separate entity (“Bci 2”) as a result of Bci’s division Registration and listing of Bci Group in the CMF’s Registro de Valores & the Santiago Stock Exchange and capital contribution of Bci shares from EJY at Bci Group All shareholders will be invited to participate in the Corporate Evolution under the same terms, aiming to have all of Bci's liquidity at Bci Group Merger Merger of Bci 2 and Bci Group Consolidated Bci Group Shareholders Consolidated Bci Group Bci FG Shareholders Bci Group Consolidated Bci FG Shareholders Bci Group Bank1 US Banking Affiliates Bci FG 2 Shareholders Bci Group Bci FG Bank1 Shareholders Bci Peru, Bci Securities, Bci Miami (branch), other local subsidiares Bci FG Bci Peru, Bci Securities, Bci Miami (branch), other local subsidiares Bci Peru, Bci Securities, Bci Miami (branch), other local subsidiares Bci Peru, Bci Securities, Bci Miami (branch), other local subsidiares Bci Peru, Bci Securities, Bci Miami (branch), other local subsidiares New entity Domicile Listed entity Chilean bank 1 2 3 4 5 9
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10 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers We will maintain our ordinary course of business while we progress on this Corporate Structure Evolution (12 to 18 months) High-level timetable of the Corporate Structure Evolution Corporate Structure Evolution approval process with the CMF and FED 2026 2027 Outreach and continuous conversations with all shareholders and stakeholders throughout the Corporate Structure Evolution Today Creation of Bci Group Invitation for all shareholders to subscribe shares to Bci Group Division of Bci and subsequent merger of Bci Group and Bci 2 Regulatory approval Execution sequence Step # 1 Steps # 4 - 5Step # 3 Process expected to last 12 to 18 months in total Registration of Bci Group and capital contribution from EJY at Bci Group Step # 2 10
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11 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers This corporate evolution is a natural next step for Bci Strong rationale: enable growth, improve equity story, and increase the capital flexibility of Bci All shareholders will have access to the same benefits We will maintain our strong commitment to all stakeholders and employees 1 2 3 4 Closing Remarks 11
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January 2026Q&A
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13 COLOR PALETTE Text 64 64 64 Title bar/Bullets 89 168 15 ACCENTS 1 0 95 255 153 191 255 2 244 0 52 255 149 171 3 0 148 72 110 255 181 4 249 179 22 253 225 162 5 11 44 100 111 159 239 6 159 22 51 239 139 160 Hyperlink 30 124 153 146 213 234 Followed Hyperlink 249 179 22 253 225 162 Lines 64 64 64 Highlights 89 168 15 TABLE /Admin/ADVANCED GRAPHICS FILES/Cover and Template/2025/2025_11/4635865-001_Christofer_Rademacher_Covers Lest make a page just like this picture and edit the bullet pint with the text taht is profided in the next slide 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. • 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 not 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.