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Banco Itaú Chile (ITCLY) Q4 2025 Earnings Call Transcript

Seeking Alpha

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Banco Itaú Chile reported Q4 2025 recurring net income of CLP 430 billion, an 11.8% YoY increase, capping a year of strong profitability and disciplined growth. CEO Andre Gailey highlighted a reinforced capital position and solid operational performance, emphasizing the bank’s managerial model for risk allocation and shareholder value alignment. CFO Emiliano Muratore noted cost efficiency improvements and stable asset quality, with NPL ratios remaining below industry averages despite economic headwinds. The bank’s digital transformation initiatives, including AI-driven risk assessment, contributed to a 9% reduction in operating expenses compared to 2024. Analysts from BTG Pactual and CrediCorp Capital questioned growth strategies in Chile’s evolving regulatory landscape, with management reaffirming conservative lending policies.

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SA Transcripts158.74K FollowersFollow5ShareSaveComments Banco Itaú Chile (ITCLY) Q4 2025 Earnings Call March 2, 2026 9:00 AM EST Company Participants Matias ValenzuelaAndre Carvalho Gailey - Chief Executive OfficerEmiliano Muratore Raccio - Chief Financial OfficerAndrés Perez Conference Call Participants Alonso Aramburú - Banco BTG Pactual S.A., Research DivisionDaniel Mora - CrediCorp Capital, Research Division Presentation Operator Ladies and gentlemen, thank you for standing by, and welcome to the Banco Itaú Chile Fourth Quarter 2025 Financial Results Conference Call. This presentation and the 4Q '25 Earnings Release are available on our Investor Relations website. [Operator Instructions] We are having some technical issues. Please hold. [Technical Difficulty] Matias Valenzuela Good morning, everyone, and thank you for joining our Fourth Quarter 2025 Conference Call. My name is Matias Valenzuela, Head of Planning and Corporate Strategy at Itaú Chile. I'm here today with our CEO, Andre Gailey; our CFO, Emiliano Muratore; and our Chief Economist, Andrés Perez. We are pleased to present our results for the Fourth Quarter of 2025. Before we begin, I would like to remind you that this presentation may include forward-looking statements. Actual results may differ materially from those discussed. As always, we report under our managerial model, which reflects how we allocate capital, manage risk and evaluate performance internally. This framework provides a transparent and consistent view of underlying earnings quality and align management decisions with shareholder value. For more details, please refer to our management commentary report. With that, I will now turn it over to our CEO, Andre Gailey, to continue the presentation. Good morning, Andre.

Andre Carvalho GaileyChief Executive Officer Thank you, Matias. Good morning, everyone, and thank you for joining us today. We delivered a strong fourth quarter, closing 2025 with solid profitability, disciplined growth and a reinforced capital position. For the full year, recurring net income reached CLP 430 billion, up 11.8% year-on-year with an RoTE

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