Slides
Page 1
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 4Q 2025 Corporate Presentation Investor Relations Department | Investor_Relations_Bci@Bci.cl February 2026
Page 2
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Bci at a glance
Page 3
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Leading financial institution in Chile by Assets and Loans Profitable and financially sound as of December 2025 Diversified business model • Largest bank in Chile by total loans and assets • 3rd Largest Florida-based bank US$ 89.9 bn (-2.2% YoY) Total Assets US$ 62.7 bn (+2.3% YoY) Total Loans US$14.2 bn Market Cap1 US$1,098 mm Net Income YTD (ROAE 13.8%) Credit rating profile: Bci+Subsidiaries CNB Subsidiary diversification as of December 2025 Bci Miami Lider Bci Bci Peru Note: Consolidated figures (include City National Bank of Florida and Bci Peru), all converted to US$ using an FX of 907.13 (January 2nd 2026). 1 Bloomberg as of December 2025. ~6MM Total Customers A2 A- A- Sao Paulo Bci Peru Bogota Mexico City City National Bank of Florida Chile Shanghai Bci Miami Bci Securities
Page 4
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 ● Net Income: US$ 1,098,2 million for 2025 (+24.3% YoY). ○ CNB contributed US$ 260.9 million to consolidated Net Income. ● Strong NIM: Consolidated NIM stood at 3.54% (+9 bps YoY). CNB NIM, the highest in almost 3 years. ● Net Fee Income: +18.2% YoY growth, fueled by fees derived from fund management, credit card services and usage. ● Lower Provision Expenses: -2.8% YoY, as result of proactive risk management. ● Retail Ecosystem: MACHBANK evolution drove a 511% surge in savings accounts. Lider Bci grew its portfolio in 12.4%. ● Customer Experience: Achieved NPS of 74 points (+6.6 points YoY), driven by the "New Experience" branch model and hyper-personalization engines. ● Innovation & Tech: Issued Chile's first Digital Bond. Successful deployment of GenAI (Gemini) with >80% internal adoption in the first month. ● Sustainability & Culture: Recognized as Top Employer for the 3rd consecutive year. Validated Net-Zero targets for power generation, cement, and maritime sectors, reinforcing our ESG leadership. Balance Sheet Composition Key Metric (YoY Comparison) Key Initiatives Executive Summary We achieved an excellent Net Income for the year, amounting to USD 1,098.2 million, driven by the successful advancement towards our strategic initiatives. Consolidated Operations Note: Figures are converted to US$ using an FX of 907.13 (January 2nd 2026), and % variations consider 2Q25 against 3Q24. ● Loan Portfolio: reached US$ 56.8 billion (+2.4% YoY). Highlights include strong traction in Local Commercial loans (+6.6% ex-FX) and CNB’s portfolio expansion (+7.9% in USD). ● Capital: CET1 ratio of 11.20%, increasing +19 bps YoY, maintaining a significant buffer above regulatory requirements. ● Liquidity: LCR of 226.1% and an NSFR of 108.9%, reflecting prudent balance sheet management. ● Deposit Base: CNB client deposits grew 8.0% YoY (doubling the US industry pace. Local funding remains diversified with demand deposits representing 18.4% of liabilities.
Page 5
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Chilean financial system
Page 6
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 CET1 increased by 19 bps YoY , reaching 11.20% as of Dec-25, reflecting active capital management that offset higher regulatory deductions and maintained a solid buffer above regulatory minimums. Effective equity grew 2.31% YoY , driven by: Stronger earnings generation (+24.25% YoY), reinforcing the Bank’s capacity to generate capital organically. Improved valuation of available-for-sale financial instruments (60.24% YoY reduction in losses), supported by the normalization of interest rates in the United States. Bci is part of a robust and highly regulated financial system (1) Source: Bci Research - Financial Market Commission (CMF). (2) Source: CMF. Tier I and Tier II calculated as core capital and supplementary capital as % of total risk weighted assets respectively. (3) Source: Figures exclude CNB (City National Bank) and Itau Corpbanca operations in Colombia, and are converted to US$ using an FX of 907.13 (January 2nd 2026). Total loans in the banking system (US$Bn)3 Chilean banking regulation – upgrading to Basel III Banking system capitalization ratio (Basel III)2 Chile: Quarterly % GDP growth and forecast (YoY)1
Page 7
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Bci Consolidated
Page 8
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 An 87-year trajectory, supported by strong corporate governance and the same purpose to: “dare to make a difference” • Best-in-class customer experience through digital transformation. • Drive selective growth in line with defined risk-appetite. • Optimize capital structure. • Further deploy our international business. • Promote disruptive innovation and boost collaboration. • Strive to create sustainable value for all our stakeholders. Leverage digital customer experience to achieve competitive advantage Three strategic pillars: Drive sustainable growth, while maintaining prudent risk People-centered culture focused on our clients and supported by Bci values Shareholding agreement 63.60% Free float 24.63% Private pension funds 11.77% Long-term support from its founding and controlling shareholders Board of Directors areas of expertise vary across academics, economics, politics, banking, technology and more Ignacio Yarur A. President Diego Yarur A. Director José Pablo Arellano M. Director Klaus Schmidt-Hebbel D. Independent Director Claudia Manuela Sánchez M. Director Hernán Orellana H. Director Mauricio Larraín G. Independent Director Jorge Becerra U. Director
Page 9
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Net income Consolidated (YTD)2 Assets1 18.2% 11,6%14.6% 16.1% 14.4% 15.3% 16,5% 10.0%14.1% 19.2% 15.4% 15,8% Deposits1 Loan breakdown1 Commercial MortgageConsumer 16.4% 13.1%15.2% 15.6% 15.8% 9.4% Chilean banking system benchmark In US$mm, as of December 2025 1. Bci figures exclude CNB (City National Bank), Bci Perú and Itau Corpbanca figures exclude Colombia operations 2. Bci figures include CNB (City National Bank), Bci Perú and Itau Corpbanca figures include Colombia operations Note: Figures are converted to US$ using an FX of 907.13 (January 2nd 2026) Source: Company filings and Financial Market Commissionof Chile (CMF) % Market share in Chilean banking system Bci maintains a relevant position in the market Other banks (12) 14.1% Other banks (12) 9.8% 9.0%
Page 10
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 CAGR Loan growth evolution Total loans (US$mm) Consumer lending loans (US$mm) Mortgage loans (US$mm) Commercial & Interbank loans (US$mm) Source: Financial Market Commission (CMF). Note: Figures are converted to US$ using an FX of 907.13 (January 2nd 2026); Including the subsidiary's operations abroad. CAGR CAGR CAGR
Page 11
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 1,20% 1,58% 0,85% 2,21% 0,95% 1,01% 13,77% 23,25% 12,17% 21,22% 10,77% 10,36% Consistent organic growth in Chile… Source: CMF as of December 2025 1 Figures Including the subsidiary's operations abroad; 2 Bci figures exclude CNB (City National Bank) and Itau Corpbanca figures exclude Colombia operations; Local loans market share (%) 2 Chile Return on average Equity (ROAE) 1 as of December 2025 Return on average assets (ROAA)1 as of December 2025 +87 bps of market share
Page 12
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 29,7% 15,6% 16,9% 16,9% 0,0% 7,6% 22,2% 14,5% 16,8% 13,5% 0,1% 10,2% …with diversified funding cost Source: Company filings and CMF as of December 2025 Note: Figures are converted to US$ using an FX of 907.13 (January 2nd 2026); Bci figures Including the subsidiary's operations abroad; 1 Considers all of the Company’s assets in Chile. Time Deposit market share as of December 2025 Checking accounts & demand deposits market share as of December 2025 In terms of maturity, currency and geography Image result for logo bbva Image result for logo scotiabank Image result for logo bbva Image result for logo scotiabank Our long-term funding is built on a strong foundation of local inflation-indexed (UF) bonds in the Chilean market. This is strategically complemented by international issuances through our EMTN program, providing access to diverse capital markets in key currencies like the US Dollar, Euro, Swiss Franc, and others. This diversified approach ensures the Bank optimizes all financing opportunities while actively managing interest rate risk. The long-term debt matches our long-term residential mortgage portfolio. Short-term funding coming from commercial paper program managed out of its Miami branch which provides an additional source of US dollar funding. Funding Sources Breakdown by type 1
Page 13
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Asset quality evolution Source: CMF. Figures as of December 2025 Figures are converted to US$ using an FX of 907.13 (January 2nd 2026) NPLs (Delinquency +90 days / Loans at amortized cost) Loan loss provisions / Average Gross Loans System Bci's asset quality is supported by proactive risk management and monitoring. We hold a stock of over US$ 245 Million in additional provisions. Our loan portfolio is well diversified by business lines, economic sectors, customers and geography. In terms of loan portfolio concentration, the 20 largest loans account for less than 10% of the bank’s total loans. Highlights Note: NPLs Including the subsidiary's operations abroad Portfolio with delinquency of 90 days or more on loans at amortized cost Note: Including the subsidiary's operations abroad
Page 14
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 NPL Ratio (NPLs/Total Loans)* NPL Ratio (Commercial Loans) NPL Ratio (Consumer Loans) NPL Ratio (Mortgage Loans) NPLs Consumer Loans excluding Lider Bci Evolution of NPL's Note: Includes Bci subsidiary in USA (CNB) and Bci Peru. *Does not include Interbank loans
Page 15
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Financial Services: NPL's Figures are converted to US$ using an FX of 907.13 (January 2nd 2026)
Page 16
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Expense Breakdown as of December 2025 Operating Expense (4Q) US$ million Operating Expenses * Efficiency ratio as calculated by the CMF (operating expenses excluding other operating expenses/gross operating result). Note: Figures are converted to USD using an FX of 907.13 (January 2nd 2026) Includes City National Bank of Florida and Bci Peru. Efficiency Ratio* Operating Expense (YTD) US$ million
Page 17
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Balance sheet Figures are converted to US$ using an FX of 907.13 (January 2nd 2026 ), Includes operations of CNB and Bci Peru. CAGR 2021-2025 Cash 4,628 4,692 3,990 3,888 3,723 -5.29% Securities 21,580 21,989 19,930 18,957 16,595 -6.36% Loans 49,073 51,830 55,281 61,252 62,691 6.31% Other Financial Instruments 158 346 355 280 389 25.30% Intangible Assets 515 453 492 553 562 2.21% Other Assets 4,840 6,730 7,371 7,028 5,956 5.33% Total Assets 80,793 86,040 87,420 91,958 89,916 2.71% Demand Deposits 32,311 26,592 26,248 30,016 29,580 -2.18% Time Deposits 12,695 20,114 20,330 23,546 22,032 14.78% Interbank Borrowings 8,145 7,343 7,856 2,616 2,745 -23.80% Bonds Payable 8,679 8,937 8,943 8,725 8,994 0.89% Other Liabilities 14,342 17,788 17,354 19,341 18,356 6.36% Equity 4,621 5,266 6,689 7,714 8,209 15.45% Total Liabilities & Equity 80,793 86,040 87,420 91,958 89,916 2.71% US$ million (*) 2023 2024 20252021 2022
Page 18
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Financial results Figures are converted to US$ using an FX of 907.13 (January 2nd 2026), Includes operations of CNB and Bci Peru. CAGR 2021-2025 Net Interest Income 1,761 2,546 2,228 2,477 2,617 10.41% Net Fee Income 382 404 376 440 520 7.99% Other Operating Income 239 25 174 100 236 -0.38% Operating Income 2,143 2,975 2,778 3,017 3,372 12.00% Credit Loss Expenses -442 -546 -440 -354 -344 -6.03% Operating Income, net of loan losses, interest and fees 1,941 2,455 2,513 2,763 3,028 11.76% Total operating expenses -1,081 -1,425 -1,437 -1,474 -1,742 12.67% Total Net Operating Income 796 1,005 902 1,188 1,286 12.74% Income Tax Expense -222 -100 -149 -305 -188 -4.13% Consolidated Net Income 574 905 752 884 1,098 17.62% 2025US$ million (*) 20232022*2021* 2024
Page 19
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159
Page 20
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 In 2025, we achieved strong results, reflecting disciplined execution and strategic focus Source: City National Bank of Florida Metric ($MM) FY 2025 Actual FY 2024 Actual Var Loan balances $19,636 $18,198 $1,438 7.9% DDAs $4,890 $4,483 $407 9.1% Client Deposits $19,392 $17,977 $1,415 7.9% Net interest income $699 $519 $181 34.8% NIM 2.67% 2.09% 0.59% Net income after tax $261 $88 $172 194.9% Normalized ROE 11.02% 6.57% 4.45%
Page 21
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Total Deposits ($MM) Banking Industry - Total Deposits ($B) Non-interest bearing deposits represent 22.28% of total deposits $4.483 $4.939 $4.890 $13.494 $14.366 $14.502 $2.882 $2.650 $2.551 Dec-24 Sep-25 Dec-25 Brokered deposits Interest bearing deposits Non-interest bearing deposits $20,859 $21,955 $21,943 +$407 (+9%) +$1,415 (+8%) +$1,084 (+5%) Cost of Client Deposits (QTD Avg) Non-Int Bearing / Total Deposits Client Deposits ($MM) Deposits in commercial banks across the industry grew $835B (+4.7%) in 2025, but this includes brokered deposits Our client deposit grew more than the industry in 2025, outpacing it by nearly ~2x 2.72% 21.49% $17,977 Source: City National Bank of Florida 2.52% $19,305 22.50% $17.784 $18.619 Dec-24 Dec-25 +$835 (+5%) FY2025 DDAs growth Wholesale Funding ratio 21.18% 18.99% 2.28% 22.28% $19,392 19.21% FY2025 Client deposit growth
Page 22
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Our loan-to-deposit ratio remains low at 89.49% and capital ratios are strong Loans to Deposits (%) Total Risk Based Capital Ratio (%) Tier 1 Leverage Ratio (%) Total Assets ($MM) Total Loans & Leases ($MM) 87.24% 10.57% 15.08% Total loans grew ~$1.4B (8%) in 2025, while maintaining strong asset quality and expanding capital ratios Investment Portfolio ($MM) $6,654 OCI after tax ($MM) ($409) $18.198 $19.583 $19.636 Dec-24 Sep-25 Dec-25 +$1,438 (+8%) $26.480 $27.771 $27.990 Dec-24 Dec-25Sep-25 +$1,511 (+6%) Source: City National Bank of Florida 89.20% 10.82% $6,520 ($305) 15.36% Non-owner occupied CRE represents 47% of total portfolio 89.49% 10.92% $6,474 ($285) 15.50% Much lower than peers, which averaged 0.21% (banks with assets between $10- $100B) Non-Performing Assets Ratio (%) Net Charge-offs Ratio (%) 0.46% 0.16% 0.80% 0.02% 0.71% 0.06% Non-Performing Loans Ratio (%) 0.58% ACL Coverage Ratio (%) 1.01% 1.15% 1.11% 1.05% 0.94%
Page 23
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 INCOME STATEMENT ($ millions) Q4 2024 Q3 2025 Q4 2025 $ Var QoQ % Var QoQ YTD 2024 YTD 2025 $ Var YoY % Var YoY (+) Net Interest Income $149.3 $176.1 $194.8 $18.8 10.6% $518.7 $699.4 $180.7 34.8% (+) Non-Interest Income $25.6 $33.0 $29.2 -$3.8 -11.6% $109.4 $121.7 $12.3 11.3% (=) Operating Income $174.8 $209.1 $224.0 $14.9 7.1% $628.1 $821.1 $193.0 30.7% (-) Personnel Expenses $37.3 $53.1 $54.2 $1.1 2.0% $169.7 $212.2 $42.5 25.0% (-) Occupancy & Equipment Expenses $6.9 $7.2 $9.1 $1.9 26.5% $29.7 $30.6 $0.8 2.8% (-) Other Non-Interest Expenses $38.0 $38.7 $44.1 $5.5 14.2% $143.2 $152.0 $8.8 6.1% (-) Non-Interest Expenses $82.2 $99.0 $107.5 $8.4 8.5% $342.6 $394.7 $52.1 15.2% (=) Core Earnings $92.7 $110.1 $116.5 $6.5 5.9% $285.5 $426.4 $140.9 49.4% (-) Provision Expense $26.5 $15.0 $4.0 -$11.0 -73.3% $79.9 $47.5 -$32.4 -40.6% (-) Amortization Expense $4.7 $4.7 $4.6 $0.0 -0.9% $22.2 $18.6 -$3.7 -16.5% (+) Gain on Sale of Securities, CVA Adj & Marketable securities -$0.4 $0.2 -$7.5 -$7.7 -3171.0% -$64.7 -$7.7 $57.1 -88.1% (=) Net Income before Taxes $61.1 $90.7 $100.4 $9.8 10.8% $118.6 $352.6 $234.1 197.5% (-) Tax Expense $15.2 $22.6 $28.9 $6.2 27.5% $30.1 $91.8 $61.7 204.9% (=) Net Income after Taxes $45.9 $68.0 $71.6 $3.5 5.2% $88.5 $260.9 $172.4 194.9% RATIOS (%) Q4 2024 Q3 2025 Q4 2025 % Var QoQ YTD 2024 YTD 2025 % Var YoY Net Interest Margin (NIM) 2.37% 2.66% 2.88% 22 bps 2.09% 2.67% 59 bps ROAA 0.69% 0.98% 1.01% 3 bps 0.34% 0.95% 61 bps ROAA (excluding goodwill amort) 0.74% 1.03% 1.06% 3 bps 0.40% 1.00% 60 bps ROAE 7.08% 9.80% 9.85% 5 bps 3.60% 9.58% 598 bps ROAE (excluding goodwill amort) 7.60% 10.30% 10.32% 2 bps 4.28% 10.10% 581 bps Core Efficiency Ratio 47.11% 47.30% 47.89% 59 bps 54.57% 48.06% -650 bps Net income after taxes grew 5% QoQ and ~195% YoY ROA and ROE, excluding goodwill amortization, were 1.06% and 10.32% in Q4’25, respectively Source: City National Bank of Florida
Page 24
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 YoY net income comparison: FY2024 vs. FY2025 ($MM) Net income after taxes grew 5% ($4MM) QoQ and 195% ($172MM) YoY primarily driven by higher net interest income Source: City National Bank of Florida QoQ net income comparison: Q3-25 vs. Q4-25 ($MM) NIM is 59bps higher YoY $68 $19 $11 Q3 2025 Actual Net interest income ($4) Non- interest income ($8) Non- interest expense Provision expense ($8) Gain /Loss on Sale of Securities expense ($9) Intangibles & taxes $3 BOLI tax penalty Q4 2025 Actual $72 +$4 (5%) NIM expanded 22bps in Q4 $88 $32 $61 2024 Actual Net interest income $12 Non- interest income ($52) Non- interest expense Provision expense Gain /Loss on Sale of Securities expense ($61) Intangibles & taxes ($2) BOLI restructure & tax penalty 2025 Actual $261 $181 +$172 (195%)
Page 25
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Normalized net income almost doubled YoY , increasing 86% ($139MM) Source: City National Bank of Florida 20242025 $261 $300 Net income 2025 actual $24 One-timers expense $8 Investment Repositioning $9 Goodwill amortization $3 BOLI tax penalty ($5) Tax impact Normalized NI 2025 actual +$39 (+15%) $88 $161 $65 $19 Net income 2024 actual Investment repositioning One-timers expense $9 Goodwill amortization ($6) Net gain on BciCapital sale ($15) Tax impact Normalized NI 2024 actual +$73 (+82%) Normalized net income after taxes ($MM, as of FY 2025 & 2024) $161 $300 $21 $35 Normalized NI 2024 actual $181 Net interest income Non- interest income ($49) Non- interest expense Provision expense ($49) Tax impact Normalized NI 2025 actual +$139 (+86%) NIM was 59bps higher YoY Mainly driven by consulting service, FDIC special assessment fee, and BOLI restructure Mainly driven by consulting service and other one-timers
Page 26
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 26 Earnings continue in an upward trajectory Source: City National Bank of Florida $50 $61 $72 $78 $89 7,7 9,6 10,8 11,2 12,3 0 2 4 6 8 10 12 14 16 0 10 20 30 40 50 60 70 80 90 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 +$11 (+14%) Normalized ROE (%) Normalized net income after taxes ($) Quarterly normalized net income after taxes and ROE ($MM, %) Net income is being normalized primarily for one-time expenses related to consulting and other strategic project fees, higher temporary qualitative factors for certain reserves and goodwill amortization
Page 27
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 +105bps Both our net interest income and margin increased for the eight consecutive quarter: In Q4-2025, our NIM expanded 22bps33 Net interest income ($MM) Net Interest Margin (%) Source: City National Bank of Florida NIM expanded 22bps in Q4-2025, due to lower cost of funds (22bps), while yield on earning assets remained stable (1bp higher). In December alone our NIM reached 2.95%, maintaining its upward trend $114 $118 $119 $132 $149 $161 $167 $176 $195 Q1-24 Q2-24 Q3-24 Q4-24 Q2-25Q1-25 Q4-25Q3-25Q4-23 +$4 (+4%) +$2 (+1%) +$13 (+11%) +$17 (+13%) +$12 (+8%) +$6 (+4%) +$9 (+5%) +$19 (+11%) 1,83 1,90 1,96 2,11 2,37 2,50 2,59 2,66 2,88 Q1-24 Q2-24 Q3-24 Q4-24 Q2-25Q1-25 Q4-25Q3-25Q4-23 +0.06 +0.06 +0.16 +0.26 +0.13 +0.08 +0.07 +0.22 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% 3.12% 5.24% 2.83% 5.26% 4.65% 5.21% 2.72% 5.27% 4.33% 2.64% 5.23% 4.33% 2.62% 4.29% 5.28% 2.40% 3.90% 5.29%
Page 28
000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 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”.