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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 3Q 2025 Corporate Presentation Investor Relations Department | Investor_Relations_Bci@Bci.cl November 2025
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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
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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 September 2025 Diversified business model • Largest bank in Chile (total loans) • 3rd Largest Florida-based bank US$ 87.0 bn (+0.7% YoY) Total Assets US$ 60.3 bn (+6.3% YoY) Total Loans US$9.7 bn Market Cap1 US$797.3 mn Net Income YTD (ROAE 13.3%) Credit rating profile: Bci+Subsidiaries CNB Subsidiary diversification as of September 2025 Bci Miami Lider Bci Bci Peru Note: Figures are converted to US$ using an FX of 962.39 (October 1st 2025) 1 Bloomberg as of September 2025, consolidated figures (include City National Bank of Florida and Bci Peru) ~6MM Total Customers A2 A- A- Sao Paulo Bci Peru Bogota Mexico City City National Bank of Florida Chile Shanghai Bci Miami Bci Securities
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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$ 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, driven by 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.
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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
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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 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. 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 962.39 (October 1st 2025). 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
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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
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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 25.22% Private pension funds 11.18% 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 Juan Edgardo Goldenberg P . Vice 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
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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 18.3% 11,7%14.9% 15.9% 14.9% 14.7% 16,1% 10.1%14.5% 19.2% 16.1% 15,3% Deposits1 Loan breakdown1 Commercial MortgageConsumer 16.5% 13.1%15.3% 15.5% 16.1% 9.4% Chilean banking system benchmark In US$mm, as of September 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 962.39 (October 1st 2025) 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) 9.5% 8.6%
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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 962.39 (October 1st 2025); Including the subsidiary's operations abroad. CAGR CAGR CAGR
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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 1.13% 1.61% 0.85% 2.29% 0.98% 0.97% 13.25% 24.08% 12.40% 22.02% 11.24% 10.11% Consistent organic growth in Chile… Source: CMF as of September 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 September 2025 Return on average assets (ROAA)1 as of September 2025 +97 bps of market share
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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 30.9% 14.7% 16.9% 16.9% 6.2% 7.3% 23.1% 14.0% 16.7% 14.0% 8.8% 9.8% …with diversified funding cost Source: Company filings and CMF as of September 2025 Note: Figures are converted to US$ using an FX of 962.39 (October 1st 2025); Bci figures Including the subsidiary's operations abroad; 1 Considers all of the Company’s assets in Chile. Time Deposit market share as of September 2025 Checking accounts & demand deposits market share as of September 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
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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 September 2025 Figures are converted to US$ using an FX of 962.39 (October 1st 2025) 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
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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
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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 962.39 (October 1st 2025)
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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 September 2025 Operating Expense (3Q) 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 962.39 (October 1st 2025) Includes City National Bank of Florida and Bci Peru. Efficiency Ratio* Operating Expense (YTD) US$ million
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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 962.39 (October 1st 2025 ), Includes operations of CNB and Bci Peru. CAGR 2021-2024 Cash 4,628 4,423 3,761 3,665 -7.48% 3,401 3,273 -3.77% Securities 21,580 20,726 18,786 17,869 -6.10% 16,968 16,190 -4.58% Loans 49,073 48,854 52,107 57,735 5.57% 53,974 60,332 11.78% Other Financial Instruments 158 326 335 264 18.66% 254 329 29.47% Intangible Assets 515 427 464 521 0.38% 479 533 11.35% Other Assets 4,840 6,343 6,948 6,625 11.03% 6,816 6,344 -6.93% Total Assets 80,793 81,099 82,400 86,678 2.37% 81,892 87,001 6.24% Demand Deposits 32,311 25,065 24,741 28,292 -4.33% 25,430 28,551 12.27% Time Deposits 12,695 18,959 19,163 22,194 20.47% 20,897 21,823 4.43% Interbank Borrowings 8,145 6,921 7,404 2,466 -32.85% 2,647 3,078 16.30% Bonds Payable 8,679 8,424 8,430 8,224 -1.78% 9,009 8,555 -5.04% Other Liabilities 14,342 16,766 16,358 18,230 8.32% 17,031 17,216 1.08% Equity 4,621 4,963 6,304 7,271 16.31% 6,878 7,779 13.10% Total Liabilities & Equity 80,793 81,099 82,400 86,678 2.37% 81,892 87,001 6.24% %D2021 2022 3Q 2024* 3Q 2025*2023 2024US$ million (*)
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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 962.39 (October 1st 2025), Includes operations of CNB and Bci Peru. CAGR 2021-2024 Net Interest Income 1,660 2,400 2,100 2,335 12.05% 529.3 590.3 11.53% Net Fee Income 360 381 354 414 4.80% 107.4 116.9 8.78% Other Operating Income 226 23 164 94 -25.25% 14.9 54.2 264.7% Operating Income 2,020 2,805 2,619 2,844 12.08% 651.6 761.4 16.85% Credit Loss Expenses -416 -514 -415 -334 -7.08% -63.8 -63.1 -1.08% Operating Income, net of loan losses, interest and fees 1,830 2,314 2,368 2,604 12.49% 587.8 698.3 18.80% Total operating expenses -1,019 -1,343 -1,354 -1,390 10.90% -326.6 -386.1 18.23% Total Net Operating Income 750 948 850 1,120 14.30% 261.2 312.2 19.51% Income Tax Expense -209 -94 -141 -287 11.10% -42.6 -68.5 60.74% Consolidated Net Income 541 853 709 833 15.48% 218.6 243.7 11.48% US$ million (*) 2023*2022* 3Q 2024* 3Q 2025* %D2021* 2024
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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
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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 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 $634B (3.6%) YTD, but this includes brokered deposits. In other words, CNB’s deposit growth is outpacing the industry by more than 2x. In 2025, we have continued to expand our NIM, maintain a strong liquidity position, improve our capital ratios and our CRE portfolio remains well managed Client Deposits Liquidity NIM Profitability Capital CRE Our commercial real estate portfolio is well diversified by type and geography, maintains a low LTV of 47% and the Florida market is performing better than the U.S. as a whole. ROE excluding goodwill amortization continues to improve reaching 10.30% in Q3, increasing 693bps YoY Source: City National Bank of Florida
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000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Total Deposits ($MM) Banking Industry - Total Deposits ($B) Non-interest bearing deposits represent 22.5% 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% $19,305 18.99% YTD Client deposit growth
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000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 Loans to Deposits (%) Total Risk Based Capital Ratio (%) Tier 1 Leverage Ratio (%) Total Assets ($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-$100B) average 0.21% as of June-25 Our loan-to-deposit ratio remains low at 89.20% and capital ratios are strong
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000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 CRE by Property Type CRE loans are well diversified across various property types with low LTVs (47%), excellent asset quality and ACL ratios All CRE categories have strong LTVs of 55% or below with 61% full or partial recourse 19% of CRE loans are outside of FL, representing only ~9% of total loans & leases Our CRE portfolio outside of Florida is well diversified with largest exposure in growth States, mainly in the southeast with a weighted avg LTV of ~56% Source: City National Bank of Florida (as of September 30th, 2025) Property Type Commitment ($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%
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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) 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 $146.7 344.5% RATIOS (%) Q3 2024 Q4 2024 Q2 2025 Q3 2025 % Var QoQ YTD 2024 YTD 2025 % Var YoY Net Interest Margin (NIM) 2.11% 2.37% 2.59% 2.66% 7 bps 1.99% 2.60% 61 bps ROAA -0.37% 0.69% 0.97% 0.98% 0 bps 0.22% 0.93% 71 bps ROAA (excluding goodwill amort) -0.31% 0.74% 1.02% 1.03% 0 bps 0.28% 0.98% 70 bps ROAE -3.89% 7.08% 9.93% 9.80% -14 bps 2.36% 9.49% 713 bps ROAE (excluding goodwill amort) -3.32% 7.60% 10.46% 10.30% -16 bps 3.09% 10.01% 693 bps Core Efficiency Ratio 57.91% 47.11% 46.32% 47.30% 99 bps 57.43% 48.13% -930 bps Net income after taxes grew ~3% QoQ and 344% YoY ROA and ROE, excluding goodwill amortization, were 1.03% and 10.30% in Q3’25, respectively Source: City National Bank of Florida
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000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 YoY net income comparison: YTD September 2024 vs. 2025 ($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 +$147 (344%) NIM is 61bps higher YoY NIM expanded 7bps in Q3
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000,083,152 226,000,024 249,163,000 000,146,056 127-168-201 255-102-102 251-210-065 076-174-116 159-159-159 +83bps Both our net interest income and margin increased for the seventh consecutive quarter: In Q3- 2025, our NIM expanded 7bps Net interest income ($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%
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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 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
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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 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
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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”.