Estrictamente confidencial

Confidential

Corporate PresentationAugust 2018

• Founded in 1944

• In 2015, Inversiones La Construcción (ILC) acquires a controlling stake of 50.9%

• Main focus in commercial banking with more than 4,000 clients

• #1 in commercial loans growth through June 2018 (31% vs. June 2017)

I

• Iquique

• Iquique Zofri

II

• Antofagasta

IV

• La Serena

V

• Viña del Mar

RM

• 8 Branches

VI

• Rancagua

VIII

• Concepción

IX

• Temuco

BranchesOverview

Ownership Structure, June 2018

Source: Banco Internacional, SBIF; Banco Internacional analysis

(1) LTM

(2) Total Loans + Contingent

(3) Comercial Loans, May ‘18

(4) Press Relase, Feller Rate, May ‘17

(5) Press Relase, ICR, October‘17

48.8%

BI Holdco

Others

ILC Holdco

50.5%

0.7%

Selected Indicators, June 2018

A+ AA-(positive) (stable)

Rating

Total Assets

US$ 3,235 MM

Net Income(1)

US$ 21,5 MM

ROE(1)

13,9%

Total Loans(2)

US$ 2,161 MM

Market Share(3)

1.5%

Total Equity

US$ 261 MM

Total Equity / RWA

11.4 %

# Branches

16

2

Banco Internacional at a glance

(4) (5)

3

2017 / 2018 Highlights

• IT architecture and core successfully migrated in December 31st, 2017

• Relocation of corporate offices to state-of-the-art building

IT Transformation & New

Corporate Headquarters

• Consolidation of a new management team with proven track-record in

the Industry

• Organizational transformation that implied changes to 75% of mid and

upper-management

Consolidation of New

Management Team

• Return to debt capital markets after 8 years:

• June 2017: 5 year bond (US$ 79 million)

• March 2018: 5 year bond (US$ 45 million)

• May 2018: 30 year subordinated bond (US$ 45 million)

• June 2018: 5 year bond (US$ 16 million)

Successful

Bond Issuing

• In July 2017, Feller Rate improved our rating outlook from neutral to

positive

• In October 2017, ICR improved our rating to AA-

Credit Rating

Improvements

• In February 2018, a capital plan of US$ 100 million was approved

• In March 2018, a capital injection of US$ 17 million was completedCapital Plan

4

In 2015, we maintained gaps vs. Industry standards that are being hastily reduced through a successful turnaround plan…

Gaps to 2015

Risk – Loan Loss

Provision (5)

(% GOR)

Efficiency (6)

(% GOR)

Turnaround Plan Results December 2015 vs. June 2018

Source: Banco Internacional, SBIF; Banco Internacional analysis

(1) Banco de Chile, Santander, BCI, BancoEstado; (2) Itaú-CorpBanca, Scotiabank, BBVA; (3) Security, BICE; (4) Annualized Net Income / Equity; (5) Provision Expenses excl. recovers / Gross Operational

Results; (6) Non-interest Expenses/ Gross Operational Results; (7) Net Commissions / Generated Assets.

ROE (4)

0%

13%10%

16%12%13%10%

17%

Ø 13

+12%

39%

17%22%23% 18%13%24%20%

Ø 20

-54%

66%49%50%45% 55%47%51%46%

International(2) Peers(3)

-16%

Banco Internacional

Ø 50

Mega(1)

…and we are consolidating our position as one of the banks with brightest outlooks in the Chilean banking System

5

Ownership

Committed to

Long-term Vision

Effective

Implementation

of a Successful

and Coherent

Strategy

Efficiency

Upsides through

Digitization

Improvements in

Risk

Management

Corporate

Governance and

Consolidated

Management

Team

Solid Financials

B

C

D

A

6

LTM Net Income (1)

US$ 220 MM

Assets (1)

US$ 71.5 BnAFP Habitat, Confuturo

and Corpseguros

Rating:

AA+

Market Cap(2)

US$ 1.9 Bn

ROE (1)

18.1%

Consolidated Employees

12,500Aprox. In Chile and Peru

67.0%

International

InvestorsLocal Investors

17.5% 15.5%

(1) LTM September 2017 (2) Market Cap, December 2017;

Source: ILC; Banco Internacional analysis Ranking within their industry

11° 2° 2°

5°2°3°

ILC, our main shareholder, is a Chilean financial group with a successful track-record and proven financial stabilityA

7Source: Banco Internacional * Report directly to the Board

Governance is ensured through a reputable Board and a solid Management Team with extensive experience in the IndustryB

James Callahan

Chairman

Independent

Board Member

Andrés Solari

Vice - president

Pablo Ihnen Francisco Vial Andrés Navarro Fernando Lefort

Independent

Board Member

Carlos Brito Juan Antonio

Minassian

Independent

Board Member

Guillermo Larraín

Independent

Board Member

Hernán

Cerda

SME’s

Christian

Misle

Middle-

Market &

Corporate

Javier

Barrenechea

Treasury

Héctor

Neira

Commercial

CRO

Jorge

Garrao

Retail CRO

Ezequiel

Iturain

CFO

Natalia

Madrid

HR

Armando

Ariño

COO & CTO

Marco Bravo

Compliance

Sebastian

Salgó

Legal

Lorena

Bulnes

Comptroller*

Mario Chamorro

CEO

MsBA, Universidad de Chile

Masters in Economics, Universidad de Chile

MBA UCLA

2000-11 CEO CorpBanca

2014-15 CEO Tanner Servicios Financieros

2015 CEO Banco Internacional

Board Members

Management Team

11%Tier II (2)

CET1 (3)

YTD 18

11,4%

3,8%

7,6%

’17

10,5%

3,0%

7,5%

’16

13,9%

4,3%

9,6%

’15

14,8%

4,9%

9,9%

’14

12,5%

4,3%

8,3%

Liquid Assets

Cash & Equivalents

Total Loans, Net

Trading Assets

YTD 18

2.92%

18%

9%

71%

0%

’17

2.41%

21%

5%

73%

0%

’16

2.03%

8%8%

70%

11%

’15

1.8

Other Assets, Net (8)

2% 4%

73%

16%

’14

4%5%3%11%

70%

10%

1.8

9% 16%19% 16%

7%

Bonds

Banks

Deposits -

Wholesale

Deposits - Retail

Current Accounts

Equity

YTD 18

2.9

11%

4%

56%

6%6%

’17

2.4

8%4%

54%

8%6%

’16

2.05%

4%

61%

6%8%

’15

7%

6%8%

62%

8%8%

1.81.88%

8%

63%

8%

’14

8

Source: Banco Internacional, SBIF; Banco Internacional analysis

(1) Risk Weighted Assets; (2) Subordinated Bonds; (3) Core Equity Tier I; (5) High Quality Liquid Assets; (5) HQLA / Short-Term Liabilities; (6) Net of Other Liabilities; (7) Includes Other Assets net of Other Liabilities; (8) Net of

Other Liabilities

LiquidityJune 2018

Capital adequacyTotal Equity / RWA(1), June 2018

Assets(7)

US$ Bn, June 2018

Funding Mix(6)

US$ Bn, June 2018, excl. Other Liability

Key financials exhibit high levels of capital adequacy, liquidity and improvements in funding and asset mixes…C

232%

321%

81%

’15’14

Industria:

Ø 80%

RCL (5)

%

YTD 18’17’16

HQLA

(MM US$) (4)

563

418316

132

289

2014 2015 2016 2017

9

APositive

A+Neutral

A+Neutral

A+Positive

ANegative

ANeutral

A+Positive

AA-Neutral

Source: Feller Rate, ICR; Banco Internacional analysis

…which supported consistent improvements in credit ratings and outlooks since 2015C

CAGR

2010-2016

(%)

11,28,89,211,713,6

10Source: SBIF; Banco Internacional analysis

Market clients segmented by debt: Micro < US$ 21.000.; Small:

-1% 1%

7%

31%

25%

9%

3%

-10

0

10

20

30

40

jul-18ene-18jul-17ene-17jul-16ene-16jul-15ene-15jul-14ene-14jul-13ene-13

Banco

Internacional

Industry

1,541,43

1,131,03

0,8

1,0

1,2

1,4

1,6

1,03

+0,41+0,51 +0,11

Commercial Loans growth, real terms, 12 month moving average, %

Banco Internacional Commercial Loans Market Share, %

11Source: SBIF; Banco Internacional analysis

Note: Total market only considers assets in Chile

Through September 2017, we are the fastest-growing Bank in Chile at 20% CAGRD

Our business-model allows for diversification between strategic segments, revenue sources and high organic growth

Noninterest Revenue from Client ActivityUS$ MM, % GOR, June 2018

Breakdown of Assets by Segment%, June 2018

Breakdown of Loans by Product US$ Bn, % of total loans, EoY, June 2018

Client ActivityEoY, June 2018

Fees

+52%Treasury

Management

+11%

25

LTM

13.2%

’17

14.4%

7.2%

7

2.8%

7.4%2.6%

9

22

11.7%

14.8%

’16

3.6%

8.6%

’15’14

6

12Source: Banco Internacional, SBIF; Banco Internacional analysis

D

Retail

SMEs

Middle-Market & Corporate

GOR

3.8%

42.7%

53.5%43.1%

51.2%

5.7%

Assets

0,650,530,510,50 0,58

’15’14 ’17’16 YTD 18

Average Loans

(US$ MM)

3.176 3.374 3.779 4.3664.787

+17%

Clients

(commercial)

+9%

+11%

+22%

Others

Factoring

77%

2%11%

4%5%

2.1

YTD 18

76%

10%

5%

1.8 2%

Commercial

’17

7%

Leasing

’16

Trade

1.55%1%5%

13%

76%

’15

1.4

7%5% 5%

68%

14%

65%

1.36%5%

15%9%

’14

13

FinancialsBalance Sheet

Note: June’ 18

Source: Banco Internacional analysis

US$ MM 2014 2015 2016 2017 YTD 2018 Δ 15/14 Δ 16/15 Δ 17/16 Δ 18/17

ASSETS 1.896 1.928 2.155 2.587 3.235 32 227 432 648

Cash and Cash Equivalents 203 81 157 111 263 122- 77 47- 153

Total Loans, Net 1.279 1.328 1.429 1.746 2.057 50 100 318 311

Trading Assets 183 294 235 11 - 111 60- 224- 11-

Liquid Assets 55 33 165 479 512 22- 132 314 32

Derivatives, Net 1 3 6 17 18 2 3 11 1

Fixed Assets 22 25 22 4 4 3 3- 18- 0-

Other Assets, Net 76 55 34 31 44 20- 21- 3- 13

LIABILITIES AND SHAREHOLDER'S EQUITY 1.896 1.928 2.155 2.587 3.235 32 227 432 648

LIABILITIES 1.775 1.778 2.000 2.433 3.061 3 222 433 628

Current Accounts and Other Demand Deposits 144 145 126 185 184 2 19- 59 1-

Time Deposits 1.279 1.284 1.580 1.759 2.088 5 296 179 329

Banks 138 140 75 100 124 2 65- 25 24

Bonds 138 100 111 201 327 38- 11 90 126

SHAREHOLDER'S EQUITY 121 150 155 154 174 29 5 1- 21

14

FinancialsIncome Statement

Note: June’ 18

Source: Banco Internacional analysis

US$ MM 2014 2015 2016 2017 LTM Δ 15/14 Δ 16/15 Δ 17/16 Δ 18/17

Gross Operating Margin 63,2 67,3 75,8 83,2 82,2 4,1 8,5 7,4 1,1-

Loan Loss Provision, Net 14,5- 23,1- 11,1- 11,7- 11,9- 8,5- 11,9 0,5- 0,2-

Non-interest Expenses 46,4- 46,9- 47,7- 48,2- 45,4- 0,5- 0,8- 0,5- 2,8

Net Operating Margin 2,2 2,7- 16,9 23,3 24,9 4,9- 19,6 6,4 1,6

Other Non-operating Incoming 0,0 0,1 0,3 0,0- 0,0 0,0 0,2 0,3- 0,0

Income Before Taxes 2,2 2,6- 17,2 23,3 24,9 4,8- 19,8 6,1 1,6

Income Tax 1,5 2,8 2,1- 4,3- 4,9- 1,3 4,9- 2,2- 0,6-

Net Income 3,7 0,2 15,1 19,0 20,0 3,5- 15,0 3,9 1,0

US$ MM YTD 2014 YTD 2015 YTD 2016 YTD 2017 YTD 2018 Δ 15/14 Δ 16/15 Δ 17/16 Δ 18/17

Gross Operating Margin 41,0 40,2 43,3 48,2 47,6 0,9- 3,2 4,8 0,6-

Loan Loss Provision, Net 9,5- 15,6- 7,4- 7,2- 7,5- 6,2- 8,2 0,2 0,3-

Non-interest Expenses 25,2- 25,0- 27,4- 29,5- 26,9- 0,1 2,4- 2,1- 2,6

Net Operating Margin 6,4 0,5- 8,5 11,5 13,3 6,9- 9,0 3,0 1,7

Other Non-operating Incoming 0,0 0,0 0,0 0,0- 0,0 0,0 0,0- 0,1- 0,0

Income Before Taxes 6,4 0,4- 8,6 11,5 13,3 6,9- 9,0 2,9 1,8

Income Tax 1,3- 2,3 0,7- 2,1- 2,7- 3,5 3,0- 1,3- 0,7-

Net Income 5,2 1,8 7,8 9,4 10,5 3,3- 6,0 1,6 1,1

Ezequiel IturainCFO

eiturain@bancointernacional.cl – +56 2 2989 7215

Av. Apoquindo 6750, 16th Floor, Las Condes

Ma. Ignacia ErrázurizInvestor Relations

merrazuriz@bancointernacional.cl – +56 2 2989 7976

Av. Apoquindo 6750, 16th Floor, Las Condes