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November 2026 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 2026 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 2026
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Macro Overview Key Financial Results Closing Remarks & Guidance Contents.
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Source: BEA, BLS, Bci Research US & Florida. Unemployment Rate (%) US & Florida. GDP Growth by Quarter (annualized QoQ, %) U.S. GDP grew 3.4% in Q3, driven by the AI cycle and resilient consumption. The labor market remains stable.
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US. Yield Curve (%) Second-Round inflation pressures drive Fed toward additional rate hikes US. Total & Core CPI (YoY, %) US. Fed Funds Rate (%) Source: BEA, BLS, Federal Reserve, Bci Research
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Peru’s economic activity is fluctuating around its potential level and monetary policy rate stands at 4,25%. Peru. GDP Growth by Quarter and Forecast (YoY, %) Peru. Inflation and MPR (%) Source: BCRP, Bloomberg, Bci Research Peru. Yield Curve 3Q26 vs 2Q26 (%)
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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 signs of weakness, as well as the labor market.
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Headline CPI will rise in line with energy prices. Chile. CPI, Components and Perspectives (YoY, %) Chile. Monetary Policy Rate & Projections (%) Chile. Yield Curve 3Q26 vs 2Q26 (%) Source: Central Bank of Chile, INE, Bci Research
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Macro Overview Key Financial Results Closing Remarks & Guidance Contents.
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Consolidated Operation. Financial highlights
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● Net Income: Of US$897 million for September 2026 (+14% YoY). ● NIM: Stood at 3.61%, driven by inflation indexation income. ● Fees: +11%, highlighting credit card growth and transactionality in Retail, Sales & Trading in Wholesale, and asset management. ● Efficiency Ratio: Improved 505 bps YoY, reaching 45.24% , with Operating Expenses decreased by 4.3% YoY. ● Credit Loss Expenses: US$ 259.3 million, an improvement of 8.0%, reflecting strong asset quality. Balance Sheet Composition Financial Results Key Initiatives Consolidated Operations ● Corporate Evolution: Progressing according to plan, marked by the controlling shareholder transfer of a 42.94% stake to Bci Group S.A. ● Funding Diversification: Successful bond issuance in the Mexican market. ● International Platform: Sound financial results across CNB, Bci Miami, and Bci Peru. ● Customer Experience: NPS reached 76 as of September. ● Sustainability & ESG: MSCI World Selection "AA" rating. Executive Summary As of September 2026, we delivered a Net Income increasing 14% YoY, reflecting the strength of our diversified business model ● Loans: Total loans grew by 7.2% YoY, driven by our continued leadership in the Commercial segment and strong momentum in the Consumer portfolio. ● Deposits: Strong momentum in demand deposits +10.18% YoY. ● Liquidity: Continues well above regulatory requirements. ● Capital: CET1 Ratio of 11.01% (-19 bps YoY), driven byinternal capital generation and 201 bps over regulatory requirements. Note: Figures are converted to US$ using an FX of 972.6 (October 1st 2026);
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Financial Results 3Q 2026 Consolidated Operations Note: Figures are converted to US$ using an FX of 972.6 (October 1st 2026);
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Local Operation. Key financial results
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CAGR Loan growth driven by commercial and consumer Source: Financial Market Commission (CMF) as of September 2026 Note: Figures are converted to US$ using an FX of 972.6 (October 1st 2026); 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
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Evolution of NIM and Fees NIM: calculated as the average of the last 10 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 an FX of 972.6 (October 1st 2026). Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú NIM (%) Net Fees (US$mm) Local Operations
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Operating Expenses Efficiency ratio as calculated by the CMF (operating expenses excluding other operating expenses/gross operating result). Sin ce 1Q18, additional allowances are not included in the calculation. Note: Figures are converted to US$ using an FX of 972.6 (October 1st 2026). Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Local Efficiency Ratio as of September 2026 Expenses Breakdown as of September 2026 Local Operations Third quarter 2026 Operating Expenses YoY Operating Expenses YoY as of September 2026
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CET1 decreased by 19 bps year-on-year, reaching 11.01% as of September 2026. This variation was mainly driven by growth in risk-weighted assets (+6.82% YoY), which outpaced CET1 capital growth (+4.95% YoY). Capital generation was partially offset by higher regulatory deductions following the full phase-in of Basel III transitional arrangements and the depreciation of available-for-sale debt securities, driven by higher U.S. Treasury yields, which negatively impacted the CET1 ratio by 34 bps year-on-year. Sound Liquidity and Capital Ratios Liquidity Coverage Ratio Sep’26 = 216.4% Note: Figures are converted to US$ using an FX of 972.6 (October 1st 2026) Liabilities Breakdown (Local) Capital Ratios (Consolidated) Capital Ratio (Consolidated) Net Stable Funding Ratio Sep’26 = 111.3%
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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 972.6 (October 1st 2026) **LLP = Loan loss provisions Total loans Local Operations
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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 972.6 (October 1st 2026) Local Operations
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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 972.6 (October 1st 2026) Local Operations
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* LLP = Loan loss provisions Consumer loans Trend of Risk Indicators Note: Excludes Bci subsidiary in USA (CNB and Bci Securities) and Bci Perú Figures are converted to US$ using an FX of 972.6 (October 1st 2026) Local Operations
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+40.3% Fee Income YoY +18.5% Loans YoY City National Bank +46.9% Net Income YoY NIM > 3.00% Bci Perú +54.0% Net Income YoY > USD $1,000M in loans Bci Miami +14.0% Operational Income YoY +10.9% YoY in Assets Bci Securities ~$2.4B Assets Under Management International Platform Local Operations Solid performance across our subsidiaries & business unites While maintaining relevance, we continue to deliver growth across key metrics in all the segments we operate +20.5% Loans YoY+38.0% Net Income YoY Corredor de Bolsa Seguros Factoring Asset Management +21.0% Net Income YoY x4.3 credit cards Reaching 65,461 as of september
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Key financial results
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Metric ($MM) Q3 2026 Q2 2026 Var YTD 2026 YTD 2025 Var Loan balances $20,916 $20,381 $535 2.6% $20,916 $19,583 $1,333 6.8% DDAs $4,992 $5,192 ($200) -3.8% $4,992 $4,939 $53 1.1% Client Deposits $21,251 $20,918 $332 1.6% $21,251 $19,305 $1,946 10.1% Net interest income $222 $205 $17 8.3% $623 $505 $119 23.6% NIM 3.16% 3.00% 0.16% 3.04% 2.60% 0.44% Net income after tax $100 $93 $7 7.5% $278 $189 $89 46.9% ROE (excl. goodwill amortization) 13.08% 12.66% 0.42% 12.54% 9.94% 2.60% Actual results as of September are overall better QoQ and YoY, reflecting disciplined execution and strategic focus Source: City National Bank of Florida
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Total Deposits ($MM) Banking Industry - Total Deposits ($B) Non-interest bearing deposits represent 21.98% of total deposits Cost of Client Deposits (QTD Avg) Non-Int Bearing / Total Deposits Client Deposits ($MM) CNB deposits have grown ~1.7x times greater than market YTD CNB’s strong client deposit growth in 2026 is outpacing the banking industry (includes brokered) by ~1.7x 2.28% $19,392 22.28% Wholesale Funding ratio 19.21% 2.19% 23.49% $20,918 16.01% USA CNB 5.65% 9.58% 1.7x $4,890 $5,192 $4,992 $14,502 $15,726 $16,258 $2,551 $1,187 $1,459 Dec-25 Jun-26 Sep-26 Brokered deposits Interest bearing deposits Non-interest bearing deposits $21,943 $22,105 $22,709 +$1,859 (+10%) +$103 (+2%) YTD client deposit growth YTD DDA growth 2.23% 21.98% $21,251 15.61% Source: City National Bank of Florida
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Total assets approaching $30B and our capital ratios are strong Loans to Deposits (%) Total Risk Based Capital Ratio (%) Tier 1 Leverage Ratio (%) Total Assets ($MM) Total Loans & Leases ($MM) Loans grew ~$535MM (3%) in Q3, increasing $1.3B (7%) YTD, maintaining sound asset quality and strong capital ratios Investment Portfolio ($MM) OCI after tax ($MM) Dec-25 Jun-26 Sep-26 Resi & Other C&I CRE $19,636 $20,381 $20,916 $9,310 (47%) $6,128 (31%) $4,197 (21%) $4,352 (21%) $6,387 (31%) $9,643 (47%) $4,395 (21%) $6,717 (32%) $9,804 (47%) +$535 (+3%) +$1,280 (+7%) Non-Performing Assets Ratio (%) Net Charge-offs Ratio (%) $27,990 $29,112 $29,533 Dec-25 Jun-26 Sep-26 +$420 (+1%) +$1,543 (+6%) 89.49% 10.94% $6,474 ($285) 15.48% 0.71% 0.06% 92.20% 11.38% $6,739 ($284) 15.67% 0.75% 0.09% Non-Performing Loans Ratio (%) Much lower than peers, which averaged 0.24% (banks with assets between $10B- $100B) in June ACL Coverage Ratio (%) 1.11% 1.09% 0.94% 0.81% 92.10% 11.46% $6,687 ($392) 15.77% 0.72% 0.12% 1.09% 0.76% QoQ growth QoQ growth Source: City National Bank of Florida
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INCOME STATEMENT ($ millions) Q3 2025 Q4 2025 Q2 2026 Q3 2026 $ Var QoQ % Var QoQ YTD 2025 YTD 2026 $ Var YoY % Var YoY (+) Net Interest Income $176.1 $194.8 $204.5 $221.6 $17.1 8.3% $504.5 $623.4 $118.8 23.6% (+) Non-Interest Income $33.0 $29.2 $35.7 $33.1 -$2.7 -7.5% $92.6 $100.8 $8.3 9.0% (=) Operating Income $209.1 $224.0 $240.3 $254.7 $14.4 6.0% $597.1 $724.2 $127.1 21.3% (-) Personnel Expenses $53.1 $54.2 $62.8 $63.2 $0.4 0.6% $158.0 $190.6 $32.7 20.7% (-) Occupancy & Equipment Expenses $7.2 $9.1 $6.6 $7.7 $1.1 17.0% $21.4 $20.4 -$1.1 -5.0% (-) Other Non-Interest Expenses $38.7 $44.1 $32.0 $27.3 -$4.7 -14.6% $107.9 $89.0 -$18.9 -17.5% (-) Non-Interest Expenses $99.0 $107.5 $101.4 $98.2 -$3.2 -3.1% $287.3 $300.0 $12.7 4.4% (=) Core Earnings $110.1 $116.5 $138.9 $156.4 $17.5 12.6% $309.8 $424.2 $114.4 36.9% (-) Provision Expense $15.0 $4.0 $8.6 $15.2 $6.6 76.6% $43.5 $32.7 -$10.8 -24.9% (-) Amortization Expense $4.7 $4.6 $4.5 $4.4 -$0.1 -2.1% $14.0 $13.4 -$0.5 -3.8% (+) Gain on Sale of Securities, CVA Adj & Marketable securities $0.2 -$7.5 -$0.2 $0.0 $0.2 -92.9% -$0.2 -$2.7 -$2.5 1412.3% (=) Net Income before Taxes $90.7 $100.4 $125.6 $136.8 $11.2 8.9% $252.2 $375.4 $123.2 48.9% (-) Tax Expense $22.6 $28.9 $32.2 $36.4 $4.2 13.0% $62.9 $97.4 $34.5 54.9% (=) Net Income after Taxes $68.0 $71.6 $93.4 $100.5 $7.0 7.5% $189.3 $278.0 $88.7 46.9% RATIOS (%) Q3 2025 Q4 2025 Q2 2026 Q3 2026 % Var QoQ YTD 2025 YTD 2026 % Var YoY Net Interest Margin (NIM) 2.66% 2.88% 3.00% 3.16% 16 bps 2.60% 3.04% 44 bps ROAA 0.98% 1.01% 1.31% 1.36% 5 bps 0.93% 1.29% 37 bps ROAA (excluding goodwill amort) 1.02% 1.05% 1.35% 1.40% 5 bps 0.97% 1.34% 36 bps ROAE 9.80% 9.85% 12.27% 12.71% 43 bps 9.49% 12.16% 267 bps ROAE (excluding goodwill amort) 10.23% 10.25% 12.66% 13.08% 42 bps 9.94% 12.54% 260 bps Core Efficiency Ratio 47.30% 47.89% 42.23% 38.58% -365 bps 48.13% 41.58% -655 bps Net income after taxes grew 7.5% QoQ and ~47% YoY ROA and ROE, excluding goodwill amortization, were 1.40% and 13.08% in Q3’26, respectively Source: City National Bank of Florida
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YoY net income comparison: YTD Sep 2025 vs. YTD Sep 2026 ($MM) Net income after taxes grew 8% ($7MM) QoQ and 47% ($89MM) YoY. NIM expanded 16bps QoQ (8bps normalized) and 44bps YoY Source: City National Bank of Florida QoQ net income comparison: Q2-26 vs. Q3-26 ($MM) $93 $17 Q2 2026 Actual Net interest income ($3) Non- interest income $3 Non- interest expense ($7) Provision expense $0 Gain on sale of securities, CVA adj & marketable securities ($1) Intangibles & taxes ($3) BOLI tax penalty Q3 2026 Actual $100 +$7 (8%) NIM expanded 16bps in Q3 (8bps, normalizin g for one- timers) $189 $119 2025 Actual Net interest income $8 Non-interest income ($13) Non-interest expense $11 Provision expense ($37) Intangibles & taxes 2026 Actual $278 +$89 (47%) NIM is 44bps higher YoY
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+132bps Both our net interest income and margin increased for the eleventh consecutive quarter: In Q3-26, our NIM expanded 16bps Net interest income ($MM) Net Interest Margin (%) NIM expanded 16bps in Q3 2026 (8bps excluding one-time income from interest recovered from non-accruals and prepayment penalty fees), driven by an 18bps increase in earning asset yields, partially offset by a 2bps rise in cost of funds 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% 2.27% 5.23% 3.64% 2.27% 3.63% 5.27% $114 $118 $119 $132 $149 $161 $167 $176 $195 $197 $205 $222 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q3-26Q2-26Q1-26Q4-25Q4-23 +$4 +$2 +$13 +$17 +$12 +$6 +$9 +$19 +$2 +$7 +$17 1.83 1.90 1.96 2.11 2.37 2.55 2.59 2.66 2.88 2.97 3.00 3.08 Q4-24 Q1-25 Q2-25 Q4-25Q3-25 Q3-26Q2-26Q1-24 Q1-26Q4-23 Q2-24 Q3-24 3.16 +0.06 +0.06 +0.16 +0.26 +0.18 +0.04 +0.07 +0.22 +0.08 +0.03 +0.16 2.29% 5.45% 3.67% Source: City National Bank of Florida
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Our fee income is meaningfully higher and more diversified Non-interest income mix – YTD Sep 2022 vs 2026 33% 41% 26% Treasury Mgmt. (TM) fees Non-TM fees Operating leases $71MM 2022 2026 34% 56% 10% Treasury Mgmt. (TM) fees Non-TM fees Operating leases $101MM Fees as a % of avg. assets 0.42% 0.47% +0.05% New fee initiatives to increase profitability and diversify fee mix ▪ Treasury distribution desk (swaps, options, FX, etc.) ▪ Capital market capabilities ▪ Wealth Management enhanced offering ▪ Residential secondary market ▪ Sale of SBA loans ▪ Insurance commissions, etc… Source: City National Bank of Florida
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We continue generating strong, profitable, and diversified growth, in our second year of the 5-year Project Win strategy Moderate Growth & Enhanced Profitability Market Share Opportunity Scalability / Digital Experience Culture Preservation / Engagement Regulatory Excellence 1 2 3 4 5 Value Creation Key Objectives YTD September 2026 Accomplishments Increased client deposits by 13% (annualized) vs. 8% for the industry, positioning us as the leading deposit-gathering bank in Florida. Loans growing at 9% annually and funded by client deposit growth. ROE of ~13% YTD, with NIM expanding 44bps YoY Higher loan diversification (C&I represent 32% of total loans vs. 31% a year ago). Additionally, our fee income is meaningfully higher and more diversified AI strategy initiative to deliver enterprise-wide impact (i.e. credit delivery optimization, processes automation, agent for pre-call and post-client calls, client concierge center, data and analytics, etc.) High employee engagement and disciplined execution continue in our year two of Project WIN. Strong and distinct leadership culture Strengthened our three lines of defense to maintain a robust internal controls framework as we grow Source: City National Bank of Florida
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Macro Overview Key Financial Results Closing Remarks & Guidance Contents.
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● We delivered consolidated Net Income of US$897 million, up 14% YoY, reflecting the strength of our diversified business model. ● Total Loans grew 7.2% YoY, remaining the largest bank by total assets and loans in Chile.* ● Fee income increased ~11% YoY, supported by cards, Wholesale Sales, and asset management. ● Efficiency Ratio improved 505 bps to 45.24%, with operating expenses down 4.3% YoY. ● Asset quality remain sound, supported by stable NPL trend and proactive portfolio management. ● Our international platform continues to deliver solid results, positioning us to capitalize on the region's opportunities. ● We maintain a solid liquidity and capital position, with CET1 at 11.01% and a 201-bps buffer over the regulatory minimum. ● Customer experience and sustainability remain sound, with NPS at 76 and an MSCI “AA” ESG rating. Consolidated Operations3Q26 Closing Remarks Note: Figures are converted to US$ using an FX of 972.6 (October 1st 2026), and considers operations at the consolidated leve l. *CMF data as of September 2026, consolidated system figures.
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2026 Guidance (November) Loan growth: +6-7%. NIM: Flat. Fee Income: Lower double digit. Core Operating Expenses: -1%, reinforcing commitment. Cost of Risk: Flat. Loan Growth: +8-10%. NIM: 3.00% levels - Driven by deposit and loan growth. Net Income: ~47%. Income before taxes: Strong >20% growth. Tax expenses: Impacted by one-off effect of approved tax reform, and exchange rate sensitivity due to monetary correction. ROAE: Maintaining 15% level. Chile (includes international and local Subsidiaries) GDP 0.2% Inflation 5.1% MPR 4.5% USD/CLP $940 CNB GDP 2.1% Inflation 3.4% FFR 3.75% Consolidated Notes: Percentages consider full year-over-year (YoY) variations. CNB figures consider US GAAP. Macro indicators are based on Bci Estudios.
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Bci Corporate Structure Evolution has executed in accordance with the announced timeline and achieved key milestones through 2026 Note: Illustrative, non-exhaustive overview of key milestones; timing and next steps remain subject to change and applicable regulatory requirements 1 2 3 4 5 Regulatory-dependent steps already completed Division milestone expected to be completed by 1H27 at which point Bci Group shareholders will begin to capture tangible benefits from the corporate structure evolution Regulatory advancement: Approval process completed in the CMF, FED, and SBS Constitution & listing of Bci Group: Successful constitution, incorporation, and securities registration with the Registro de Valores Governance establishment: Provisional board designation at Bci Group and appointment of José Luis Ibaibarriaga as CFO of Bci Group Capital contribution: EJY contributed 93 million shares—equivalent to 42.94% of Bci’s capital—to Bci Group Capital increase: Bci Group approved issuance of incremental shares to be paid only in the form of Bci shares, through either a tender offer (OPA) or capital contribution (complementary, not excluent) by Bci shareholders INCORPORATION Bci Group Incorporated and regulatory approvals CONTRIBUTION EJY contributed Bci shares to Bci Group INVITATION All Bci shareholders invited to subscribe to Bci Group DIVISION Separation of CNB from Chilean bank MERGER Final corporate structure simplification Ticker code: Bci Group shares were officially registered for trading on the local stock exchanges under the ticker BCIGROUP
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Thank you. This presentation contains forward-looking statements in various places throughout, 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 documents 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, no liability for losses arising from the use of material contained in this presentation 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, in accordance with the accounting regulation requirements of the CMF in its Compendium of Accounting Regulations for Banks. If you have any further queries, do not hesitate to contact the IR team.