Banco de Credito e Inversiones : Accumulated and Consolidated Results as of November 30th

BANCO DE CREDITO E INVERSIONES AND SUBSIDIARIES

FINANCIAL INFORMATION

AS OF NOVEMBER 30, 2021

Shown below, are the cummulative and consolidated results of the Bank and subsidiaries as of and for the Period ended November, 2021. These results have already been delivered to the Financial Market Commission.

This data is provisional until it is officially published by the referred organization.

CONSOLIDATED STATEMENTS OF FINANCIAL POSITION				CONSOLIDATED STATEMENTS OF INCOME
(In millions of Chilean pesos -MCh$)				(In millions of Chilean pesos -MCh$)
ASSETS	MCh$				MCh$
Cash and deposits in banks	4,382,250			Interest income	2,106,903
Items in course of collection	528,716			Interest expense	(666,981)
Securities held for trading	880,186
Agreements to repurchase and securities lending	161,456			Net interest income	1,439,922
Derivative financial agreements and hedge accounting	6,267,375			Fee and commission income	427,586
Loans and receivables to banks, net	582,200			Fee and commission expense	(114,783)
Loans and receivables to customers, net	39,232,501
Financial investments available for sale	11,871,870			Net fee and commission income	312,803
Financial investments held to maturity	1,110,447			Net gain from financial operations	118,248
Investments in other companies	31,373			Foreign exchange results, net	28,075
Intangible assets	422,286			Other operating income	48,298
Property, plant and equipment, net	249,554
Right -of- use asset	189,014			Operating income	1,947,346
Current income tax	44,395
Deferred income taxes	279,570			Provisions for loan losses	(364,638)
Other assets	1,310,727
TOTAL ASSETS	67,543,920			OPERATING INCOME, NET OF ALLOWANCE FOR CREDIT RISK	1,582,708
LIABILITIES				Staff costs	(487,937)
Deposits and other on-demand liabilities	26,283,773			Administrative expenses	(294,051)
Items in course of collection	488,511			Depreciation and amortization	(97,398)
Liabilities under agreements to repurchase	276,899			Impairment of property, plant and equipment and intangible assets	(23)
Deposits and other term loans	11,144,463			Other operating expenses	(59,749)
Derivative financial agreements and hedge accounting	6,124,102
Bank borrowings	6,654,773			TOTAL OPERATING EXPENSES	(939,158)
Debt issued	8,720,934
Other financial liabilities	1,001,675			TOTAL NET OPERATING INCOME	643,550
Lease liabilities	173,829
Current income tax	170,363			Share of profit (loss) of investments accounted for using the equity method	932
Deferred income taxes	643			Profit before tax	644,482
Provisions	739,647
Other liabilities	1,383,882			Income tax expense	(170,704)
TOTAL LIABILITIES	63,163,494			Net income from continuing operations	473,778
				Net income from discontinued operations	0
SHAREHOLDERS' EQUITY
Attributable to equity holders of the Bank:				CONSOLIDATED PROFIT FOR THE PERIOD	473,778
Capital	3,862,386
Reserves	24			Attributable to:
Accumulated other comprehensive income	185,000			Equity holders of the Bank	473,628
Retained earnings:				Non-controlling interest	150
Net income from prior periods	0			Total	473,778
Profit or loss for the period	473,628
Less: Accrual for minimum dividends	(142,088)
TOTAL EQUITY OF EQUITY HOLDERS OF THE BANK	4,378,950
Non-controlling interest	1,476
TOTAL SHAREHOLDERS' EQUITY	4,380,426
TOTAL LIABILITIES AND SHAREHOLDER'S EQUITY	67,543,920

As of November 30, 2021, Banco de Crédito e Inversiones has constituted additional provisions with a charge to results in the line provision for loan losses of Ch$172,060 million (before taxes).

Alfredo Mendoza Osorio	Eugenio Von Chrismar
Accounting Officer	CEO